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The Grinch Stealing the Future of Gen Y and Z

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Re: The Grinch Stealing the Future of Gen Y and Z

#71
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post #7

Earlier quoted context omitted.

You probably could too if you accepted the living standards of the 1960s and lived in a low cost of living area. I know people that happily make some version of that tradeoff, though I wouldn't personally.

"Living standards" is such a weaselly term here. Yeah maybe you can afford a dishwasher and a car and nice clothes, but what about when you step outside your door? Being in a city with interesting things to do is an intangible good that many people like, compared to being in a smaller town with fewer amenities (nevermind well-paid jobs). It used to be affordable, now it's expensive. That's a regression no matter how…

> Being in a city with interesting things to do is an intangible good that many people like, compared to being in a smaller town with fewer amenities (nevermind well-paid jobs).

As someone who lives in a small town in the middle of nowhere, I'd argue that the well-paid jobs part is our biggest struggle. We might be somewhat unique compared to some other small towns, but we have a lot going on - theater, live music, civic groups, outdoor recreation, surprisingly good restaurants - there's plenty to do here, but there's also no question that our largest growing demographic group is people who made their money elsewhere. As both you and the poster below you comment though - neither the big city nor small towns offer much of a refuge for people these days; our system is squeezing every bit of "value" out of workers, to our detriment

Re: The Grinch Stealing the Future of Gen Y and Z

#72

Earlier quoted context omitted.

I get the bait and switch feeling, I really do. But in reality that "paying in" is just a tax I've paid, and it's not unusual to get less than I was promised for a tax I've paid. Certainly I desire efficiency for my tax payments, but getting bent out of shape when that doesn't happen is just no way to live.

>But in reality that "paying in" is just a tax I've paid, and it's not unusual to get less than I was promised for a tax I've paid. Yeah, don't get me wrong. Taxes are taxes, and you just have to pay it. I have no problem with paying a tax to support elderly and disabled folks right now. But the thought of it still being solvent 30 years from now with the direction our country is heading is totally absurd. I fully ex…

But that's the thing, there is no such thing as "solvent"; there is no "account" to be solvent or insolvent. It would be like talking about whether the military is "solvent"; it's just not a thing. The only question is whether spending on a line item in the budget - whether that's the military or social security or whatever else - is or isn't appropriated by Congress.

Or if you insist on thinking in these "solvency" terms, then note that social security has never been "solvent". From day one, people who never "payed in" to the "account" received payments "from" it. That was possible for the same reason it is possible today for social security to pay out more than it brings in: it isn't its own account, its just one line item of spending coming out of the US treasury.

And there just is no political mechanism by which social security payments will fail to be appropriated. If some coalition gains enough control to pass and sign the legislation necessary to eliminate social security, they will be blamed for it by the electorate and will lose power for a generation. No political party wants to sign its own death warrant.

This all does assume the continued existence of the federal government as currently constituted, which is not a guarantee. So if what you're really saying is that you think the US system will collapse at some point before you retire, then that is actually more plausible, I think, than social security being eliminated by legislation under the current system.

But personally I also think it's very unlikely that the US system will collapse before I retire. It's just more likely than the wholesale elimination of social security :)

Re: The Grinch Stealing the Future of Gen Y and Z

#73

And yet home ownership rate is higher today than it was at any time between (1965-1997) with an upward trend. If housing was so easily affordable back "then", why didn't everybody buy a house? Source: https://fred.stlouisfed.org/series/RHORUSQ156N

Note that's the somewhat unintuitive "proportion of households that is owner-occupied". Kids moving back in with their parents after college, for instance, would still count as owner occupied.

Average household sizes are also shrinking and are significantly smaller than 1965:

https://www.statista.com/statistics/183648/average-size-of-h...

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