Well, didn't realize you needed me to point out that after some arbitrary math, your main theme was out of 10,000,000 people there were, essentially, 500 cars to choose from... So, here's another example for you, and let me know if you need more explanation (this area is in the Midwest... Around 11,000,000 people of the 200 mile radius):

Here's another resource you can use if you're looking for an affordable car under $12,500. I'm sure we could find more 😉

Nobody likes hearing the truth. The more defensive the argument, the less you have to stand on.

Generational relative hardship is a thing.

Every generation has had to adapt, period. You can CHOOSE to overcome challenges or let them defeat you. You can CHOOSE to take out a school loan and either have a well thought out plan or fall flat on your face because due diligence wasn't paid to increase your knowledge in how the area of study will translate into the workforce. You can CHOOSE to take on mountains of debt to "survive" and think 40 hours a week is all the time there is to work. You can CHOOSE to have a child, two, three, four. All choices have risks and consequences. You can CHOOSE to "buy" that $1500 phone when you live paycheck to paycheck. You can CHOOSE to pursue a career in gaming, social media, and the so called "influencer." But with those choices, you accept the risk, responsibility, and the ownership of them.

Learn what accountability means in your OWN life. Once the problem is everything else's fault - its time to look at the common denominator.

The only one you have to look at in the mirror is yourself. Do something about it.

I'd feel sorry if most understood what sacrifice actually means. If you want to get out of debt, make actual sacrifices instead of blaming it on everything else. Nothing comes easy. Gen Z people have a sense of entitlement and "don't understand how to manage money."

How bout stop being children and educate yourselves on what it means to budget (oh, you weren't taught how to do it in school? Pull up your favorite media consuming app and look it up); what the dollar's actual value is; what it means to not eat fucking fast food every day (know how to make a sandwich and pack some fruits, meal prep?). How about stop relying on credit thinking its your money while paying the banks the interest you accrue by keeping a balance on your cards (look on your latest credit card and see how much money you've given to the banks just to have a "sense of security" through credit, hah) Or buying a vehicle that's 30% or more of your net income. COME ON!

Stop blaming the world and make it yours.

Or join the military, its actually got all of the facets of turning children into adults... You'll earn financial freedom through many sacrifices. It definitely will flush out the wannabes and "cant-get-rights."

Or, you know, just blame everything else and get nowhere. 👍