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Why Gen Z’s 'career minimalism' is the future of work

Every generation could learn from the workforce's youngest.

Gen Z employees.

Forget the corner office. Gen Z is rewriting the rules of professional success—and their approach might save us all from burnout.

While previous generations dutifully climbed the corporate ladder rung by rung, Gen Z is choosing to do things differently. These youngsters, born between 1997 and 2012, embrace a clear philosophy: work should fund your life, not consume it. It's a simple dogma. This emerging trend, dubbed "career minimalism," goes beyond the corporate buzzword, representing a fundamental shift that challenges what we thought we knew about ambition, success, and the definition of "making it" in today's economy.

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The great corporate ladder exodus

The statistics are striking: 68% of Gen Z workers claim that they would not pursue management roles unless they came with higher pay or a better title. This isn't laziness—it's a well-thought-out strategy. Generation Z watched Millennials sacrifice their twenties to corporate culture, only to face economic uncertainty, housing crises, and unprecedented stress levels.

Gen Z is boldly saying "No thanks" to that traditional blueprint.

Janel Abrahami, Glassdoor’s Career Pivot Strategist, puts it perfectly. "Gen Z is more willing to embrace a flex mindset than older generations," Abrahami tells Upworthy. "While past generations often prioritized climbing the corporate ladder, Gen Z is looking for the career equivalent of a lily pad: a sustainable route where they can jump to whatever opportunity best fits their needs at the moment. That could mean taking a pay cut for more free time, accepting a lower title for a more creative role, or switching to an industry they see as more stable—since 70% of Gen Z questions their job security as AI advances in the workplace, many are proactively moving toward sectors like skilled trades, healthcare, and education."

young, gen z, working, professionals, career Person with pink hair typing on laptop. Photo credit: Canva

This lily pad mentality represents a profound shift in how an entire generation views professional growth. Instead of linear progression within a single company, Gen Z sees their careers as a series of strategic moves that prioritize personal fulfillment, financial stability, and—crucially—time for the things that actually matter to them.

Generation side hustle

Despite the moniker "career minimalism," 57% of Gen Z employees have at least one side hustle—more than any generation before them. Is it about the money? Not exactly. For Gen Z, side hustles are where their ambition thrives.

Nearly half (49%) of Gen Z side hustlers say their primary motivation is to be their own boss, while 42% are driven by the desire to pursue their passions. These numbers tell a story about a generation that refuses to wait for opportunities. When their 9-to-5 doesn't provide creative fulfillment or meaningful impact, they create it themselves.

A teacher in Iowa sums it up, saying, "I always joke that I don't dream of labor… If people were truly passionate about their job, it wouldn't pay anything. Passion is for your 5-9 after the 9-5."

- YouTube www.youtube.com

Similarly, a research analyst echoes this sentiment, saying, "While having a job that you're passionate about is really cool, it's important to have other interests that are not tied to your work life."

The broader statistics are even more telling: 66% of Gen Z and Millennials have started or plan to start side hustles, with 65% intending to continue their entrepreneurial ventures through 2025. Meaning, this isn't a phase—it's a fundamental reimagining of how work fits into a fulfilling life. The pattern is clear: younger generations are diversifying their income streams and refusing to put all their professional eggs in one corporate basket.

Work-life balance as a non-negotiable priority

While older generations might view work-life balance as a nice idea, Gen Z regards it as essential infrastructure for a sustainable life. Thirty-two percent of Gen Z rank work-life balance as the most critical aspect of a job, compared to 28% of Millennials and 25% of Gen X. More significantly, they're willing to prioritize this balance over higher compensation—a move that would have been unthinkable to previous generations entering the workforce.

"Employers may be surprised by the changing attitudes of Gen Z in the workplace," says Abrahami. "However, this doesn't mean that Gen Z is abandoning work; instead, they are redefining ambition through career minimalism. If Gen Z feels unsupported in achieving the work-life balance they seek, they may become less motivated or start looking for opportunities that align better with their values and lifestyles."

young, gen z, working, professionals, career Young working professionals. Photo credit: Canva

Gen Z is working smarter, not harder: Seventy-three percent of Gen Z employees want permanent flexible work alternatives, and they're not just asking—they're demanding. Companies that fail to adapt are losing talent rapidly. Research shows that 72% of Gen Z workers have considered leaving a job because of inflexible policies. Meanwhile, organizations offering flexible work arrangements see 78% higher retention rates among Gen Z employees. When companies listen to their employees' preferences, everyone wins.

Empathy is the key to Gen Z's management style

As Gen Z enters management roles—they make up over 10% of managers in 2025—this generation is bringing a different leadership philosophy to the table. Gone are the days of barking orders, wielding fear, and pitting direct reports against each other: Gen Z leaders prioritize emotional intelligence, collaboration, and authentic connection with their teams.

Gen Z managers focus on:

Transparent, honest communication over corporate speak
Continuous feedback loops instead of annual performance reviews
Collaborative decision-making that includes team input
Mental health support as a fundamental management responsibility

Seventy-seven percent of Gen Z consider organizational values when choosing an employer, and as they move into leadership roles, they ensure those values are lived, not just posted on company websites.

The companies (already) getting it right

Innovative organizations understand the importance of the Gen Z workforce, with many getting a head start on adapting to their preferences. The results speak for themselves. Goldman Sachs moved to a flexible dress code in 2019, General Motors eliminated its 10-page dress code in favor of a simple "dress appropriately" policy, and companies like Google offer flexible time off and comprehensive mental health support. Other companies, such as Microsoft, have introduced therapy stipends and on-demand counseling sessions to cater to Gen Z's work values.

Canva provides a standout example: through initiatives like "Force for Good," the company encourages employees to contribute over 10,000 hours annually to community projects. This commitment to purpose-driven work has helped Canva achieve a 92% employee satisfaction rate.

- YouTube www.youtube.com

These changes aren't just nice-to-haves—they're competitive advantages. Companies that embrace Gen Z-friendly policies are seeing measurable improvements in engagement, retention, and overall performance.

What every generation can learn from career minimalism

Gen Z's approach to work is not radical; it's rational. After watching previous generations sacrifice their health, relationships, and personal fulfillment for corporate success that often proved fleeting, Gen Z chose a different path.

These lessons are valuable for everyone, regardless of age:

Boundaries create sustainability. Gen Z's insistence on work-life balance is a nugget of wisdom. By setting clear boundaries, they dodge the burnout that has plagued older generations and create space for long-term productivity and creativity.

Diversification reduces risk. While previous generations sought security in a single employer, Gen Z believes that proper security comes from multiple income streams and transferable skills. Their side hustles are money-generating insurance policies against rapidly changing industries and A.I.

Values-driven work increases engagement. When work aligns with personal values, engagement and performance naturally increase. Gen Z's demand for meaningful work benefits everyone by forcing companies to clarify their purpose and impact.

Flexibility enhances productivity. The data is precise: flexible work arrangements lead to higher retention, better performance, and increased job satisfaction across all generations.

For Abrahami, the way Gen Z operates in the workplace feels like a breath of fresh air, and she encourages managers to get to know their Gen Z direct reports. "Gen Z’s habits will continue to shape our workforce, so it's important employers take the time to truly understand them," Abrahami notes. "Their approach isn’t about laziness; rather, it’s a new representation of how they define success. They want sustainable careers that align with their goals, whether that means prioritizing a job that prevents burnout or one that provides security from layoffs. Older generations have much to learn from Gen Z, and we’re likely to start to see these values become more widely accepted."

young, gen z, working, professionals, career Gen Z coworkers.Photo credit: Canva

The future of work belongs to Gen Z

Gen Z's philosophy in the workplace offers a compelling answer to the age-old question: "What if there's a better way?" Their formula is refreshingly simple: stable jobs for security, side hustles for passion, and strict boundaries for sustainability.

As workplace dynamics continue to evolve, the rise of career minimalism—fueled by Gen Z's values—will reshape not only how we define professional success but also how we experience fulfillment. The future of work may belong not to the climbers, but to those content to hop from lily pad to lily pad with purpose and self-awareness.

The corner office can keep its view. Gen Z has found something better: a career that actually fits their life, instead of consuming it. And honestly? The rest of us should take notes.

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Culture

Woman reveals take-home pay from $95k salary and it explains why everything is broken

It sounds like a lot, but viewers couldn't believe how fast her paycheck disappeared.

Canva Photos

A woman breaks down her $95k paychecks and people are surprised by what's left.

More money, more problems? Maybe not, but definitely some problems. Big ones. Making six figures ($100,000 per year or more) used to really mean something in America. It was a big milestone in someone's life and career, signaling, at least from the outside, that they had made it. They were officially a success. Six figures never necessarily meant that you were rich, but it definitely set you up for a very comfortable life. You could afford a home, a couple of kids, yearly vacations, the works.

My, how things have changed.

One woman recently took to social media to share exactly how far her near-six-figure salary goes, and it's not nearly as far as it used to be.

Kait Alayna, who posts on TikTok about personal finance, budgeting, and all things money, shared a video recently breaking down her $95,500 annual salary. (It's not six figures, but it's pretty close.)

"[My net paycheck] can seem kind of low for my salary," she says in the video, responding to a commenter. "So here's the breakdown of gross to net so you can see where all the funds are going."

In captions on the video, she shows that her gross paycheck is $3,979. $399.91 goes to her 401k contribution. Seventy-five dollars go to a health savings account, and she pays another $68.88 per pay period for health, dental, and vision insurance. A chunky $882.30 is taken out of her paychecks for taxes.

That leaves her with just $2,553 in her pocket per pay period. That's about $5,000 in monthly take-home pay.

For Alayna's next trick, we get to watch it all disappear!

@kaitalayna
Replying to @Faith Hainey my semi-monthly gross paycheck -> net paycheck breakdown #paytransparency #salarytransparency #paycheckbreakdown #PersonalFinance

Five thousand dollars per month is nothing to sneeze at, of course! By all accounts, Alayna is doing great in her life and career.

But it vanishes from bank accounts faster than ever in the year 2025. In another video, she breaks down her monthly budget, which she shares with her fiancé:

Rent is $1780, and the total of all of their "essential" costs like groceries, gas, car insurance, cell phones, etc. is a whopping $4600 per month. Again, some of these costs are shared between two people, but that's nearly all of Alayna's paycheck swallowed up right off the bat!

Crucially, they're spending an extra $700 per month on paying off debt like student loans, on top of the $550 mandatory payments. Together, they own over $60,000 in student loan and other debts. We don't know the terms of their loans, but it often takes people decades (or even a lifetime) to pay down balances like that.

Commenters could relate to Alayna's situation:

"I have the same salary, nearly the same deductions, and I take home $2200. We are in such a hard spot" one user wrote.

"I made $100k a year and only being home like $2400. FSA, 403b, retirement pension, taxes, college savings. Sometimes I’m like where is my money?!" one added.

"I make $145k and my take home after insurance, taxes, 401k, etc is $3800 bi monthly, I cry when I think about it" someone wrote.

"Mine is about the same. Once rent and car payment is taken out, just enough for groceries and like one night out," a commenter said.

"My salary is $95,481 and my net is super close to yours. It just doesn’t go as far as it used to!" added another.

"Money doesn’t buy what it used to. All of the necessities are priced up," someone summed up.

@kaitalayna
new month new budget 🫶 #budget #payday #salarytransparency #monthlybudget #financialliteracy #personalfinance

Making nearly six figures per year puts people like Alayna in a comfortable and enviable position. But the hype still doesn't match the reality in 2025.

Though it's enough for a comfortable life, it's still very difficult at that salary level to save for a house, travel regularly, retire early, or even have a family—you know, the fundamental promises America was built on. Alayna and her fiancé have to be extremely disciplined with putting money aside to ensure they can withstand emergency costs and go on the occasional vacation.

Fortune writes that, "A six-figure salary used to be considered wealthy—but now, most of these earners are struggling to stay afloat amid raging living costs and salary deflation. That’s because households making $100,000 annually are still considered 'middle-class' in every U.S. state."

Even earning $200,000 per year isn't considered upper-class in many places. Fortune adds that over half of Americans earning a six figure salary still described themselves as living paycheck to paycheck, and that number is growing every year.

Why? It's because this whole time that we've been thinking people who make six figures are "rich," the cost of living has been accelerating upward at breakneck speed. Groceries are about 25% more expensive than they were just a few years ago. In the last 10 years, the median home price has gone by over $131,000. The average cell phone bill, with smartphones now being a near-necessity to be a participant in modern society, is now about $141 per month. The federal minimum wage has not changed in that time, nor has it since 2009.

It's time to reset our expectations of what a living wage really is, and even who we consider to be rich. If someone who makes the coveted $100,000 per year is still living paycheck to paycheck, living and dying by the budget spreadsheet, and devoting a huge chunk of salary to paying off debts, what hope does anyone else have?

Alayna writes that she's thankful for her job, and she's making it her mission to help others with smart budgeting and money decisions. But until a carton of eggs becomes affordable again, almost everyone's going to have a tough time getting ahead.

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Education

Frugal people share 15 silly money-saving tips guaranteed to save you a few bucks

Simple changes can really bring down your electric bill.

via Unsplash

Hand holding an unplugged electric cord and hand holding rolled up money.

Most adults periodically examine their lives to try to figure out where they can save money. It might be cutting one of the streaming services we're not using or dialing back the Starbucks PSLs. However, the people on the subreddit r/frugal take saving money to a whole new level.

A recent thread posted by u/Jskyesthelimit was chock-full of solid gold advice for anyone looking to trim the budget but who doesn't want to put in a lot of work. (Yeah, yeah — we all know meal-prepping is effective, but who's got the time? We're looking for easy wins, here.)

The prompt, "What's the little effortless, stupid thing you do that TECHNICALLY saves you money?", got some responses and tips you've probably never thought of.

They're small, they're silly — but they do add up.

1. Spend more time outside

"if i go outside and play all day, i don't have consumerist urges to buy stupid shit." - looney417

Can't spend money if you don't go into a store!

It's a good idea to get away from your phone or laptop for a while, too. If you're not careful, you can buy a hundred dollars worth of junk on Amazon before you even realize what's happening.

2. Time your dishwasher runs

"When our dishwasher is full and ready to be started, I set an alarm on my watch for 9pm. I start the dishwasher when the alarm goes off since the electricity rate goes down after 9pm." - misterfuss

dishes, dishwasher, clean dishes, unload dish, money hacks, kitchen hacks A half loaded dishwashervia Nathan Dumloa/Unsplash

Did you know that electricity costs more during "peak hours"? Where I live, power can cost up to 4x as much from 2-7pm versus off-peak hours.

Most people run the dishwasher at night anyway, but you should look up your own local peak hours. Starting the nightly load at 9 instead of 8 every night could actually save you a couple of bucks a month.

I like that you can program a Google Nest to do this for you. It knows how expensive electricity is at different times, and will manage your supercooling for you.3. Fill a large water bottle at work before you leave.

u/MrPerfectionisback swears by this one.

Getting a gigantic, high-quality water bottle could be a great investment if you're able to top it off at the office every day and bring your water bill down a smidge.

4. Use less laundry detergent

Most of us approach laundry detergent with a "fill 'er up" attitude. But, usually, you can get away with even just one tablespoon if your clothes aren't that dirty. and using less will help your clothes last longer.

u/jbblue48089 also recommends using solid bar shampoo and dish soap, which have a longer lifespan than liquid soaps.

5. Re-wear clothes (other than socks and underwear)

Another option from u/ztreHdrahciR — don't wash your clothes at all! At least not right away.

Chances are you can get a few wears out of jeans or even t-shirts and save on laundry costs, to the tune of a few dollars per year.

6. Make your own doggie poo bags

"Use used food bags to pick up the dogs poop." - bezere

Poop bags are expensive! You could easily spend $20-50 per year, depending on what brand you use.

Next time you pack a sandwich for lunch, save that plastic baggie and use it for pick-up duty later on.

7. Charge your phone at work (or wherever there's an outlet)

A good one from u/runmemymo.

Never pass up a chance for free electric!

If you don't work in an office, just carry your phone charger with you. Lots of restaurants and even public spaces have outlets so you can get a little free juice.

8. Poo at work (or wherever there's a bathroom)

u/larkfor says they save a ton of money each year on water and toilet paper by doing their business at work or the office.

Never pass up a chance for free water and toilet paper!

9. Cut sponges in half

sponge, cleaning, money hacks, house keeping, soap, domestic labor A yellow soapy sponge.via Pille R. Priske/Unsplash

u/plaincheeseburger recommends turning one sponge into two.

It will still work exactly the same and last twice as long.

10. Repair old dog toys

I love this one from u/pdxarchitecht!

My dogs love immediately ripping the stuffing out of new toys, which doesn't feel like a great value for my money.

The hack? Put the stuffing back in and add a stitch or two to close it up and save yourself $10 or more.

11. Twist the stems off of peppers if paying by weight

This ingenious and petty tip comes from u/casterix75.

Not all supermarkets charge by weight for bell peppers (or similar produce), but if they do, why pay for the stem? Twist it off and save yourself a few cents at the checkout.

12. Save the cold water when running a shower or bath

An old science teacher taught me this one in high school, recommended in this thread by u/smartquokka.

Put a bucket in the shower or bath to collect the cold water while it's heating up. Use that to water plants, fill the dog bowls, or flush the toilet.

13. Unplug everything at night

via Canva/Photos

Many people recommended this — it's an r/frugal staple.

Appliances on standby still use power, so unplug as many things as possible before going to bed. u/Larkfor estimates this saves them $10 a month or so on power.

14. Library card

Yes. And take advantage of audiobooks, ebooks, and even streaming. My library has many great movies, shows, and lecture series (I love The Great Courses).

15. Credit card points

[I] Use my CC that gets rewards points for all purchases and bills that I can.

My entire family is going in a trip in a few months, and we booked all our flights together, 4.5k of airfare. I very generously offered to put all the airfare on my (2% cash back) card. My entire family paid me back their portion that week, and now I get the $90 in cash back!

These tips are so small they're almost microscopic, but you know what? Most of them are so easy you'd barely notice a difference in your lifestyle and routine. And all together, you could save yourself a decent chunk of money every year by making a few simple changes.

Thanks to the thrifty people of Reddit for sharing their hacks with the rest of us!

This article originally appeared last year.

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Pop Culture

From pest control to pet cremation, these 18 industries are surprisingly booming

These jobs aren't going anywhere anytime soon.

Photo credit: Canva

Would you work in these industries if you knew they'd provide security?

So many of us are either looking for extra easy ways to make income, or searching for more lucrative and secure career paths to pivot to altogether. But with so much "advancement" being thrown at us, it’s hard to know if a path we are considering will even be around long enough for us to pursue it, and which ones will go the way of the robots.

After all, according to a study from Microsoft, dozens of jobs are highly at risk of being replaced by AI, particularly those involving language, analysis, and communication, such as translators, historians, writers (rest assured…a bot did not write this piece…yet!).

However, when someone on Reddit asked, “What industry is booming way more than people think?” people gave a ton of insight into which jobs might have actual potential. Many prospects are in utilities—things to do with essential services like electricity, natural gas, water, etc.—which makes a lot of sense. But there are also some rather surprising niche sectors in there as well.

Of course, take this all with a grain of salt, but perhaps a quick scroll could provide you with some inspiration about thinking outside the box when it comes to making money moves.

Check out these surprisingly “booming” industries…

1. Wastewater treatment

“S*** doesn’t go away.”

“I work in the Civil Engineering industry. Wastewater treatment is not only a booming industry, but it’s insanely hard to find wastewater engineers! I think they’ve got like a .5% unemployment rate or something insane, maybe even lower.”

“Civil 3D designer here working on water projects. Between raw water pipelines and treatment facilities, I feel pretty damn secure in my career. Water always needs to be moved somewhere.”

“Environmental & Safety Director here. Can confirm. We pay wastewater operators very well in our company and they can be tough to come by!”

@mywowscotland What happens when you flush the 🚽? Claire is a Waste Water Treatment Operator and she shows what a day in her life looks like working for @scottishwater From testing samples to analysing data and, of course, feeding the fish, Claire shows how her job plays an important part in keeping our water safe. #careers #ScottishWater #ditl ♬ cool water - dayaway

2. Electricity storage

“Grid-scale battery storage, used to store excess electricity from wind and solar farms for use during peak demand. This industry is huge and is growing exponentially, especially as the cost of batteries continues to drop and demand increases.”

“I used to develop BESS systems [Battery Energy Storage Systems] for a renewables developer...We are in need of a lot of electrical & civil engineers, accountants, and people to build the damn things.”

“Energy, particularly electricity, due to AI demand. Electricity demand has been pretty slow and steady the past couple of decades due to better efficiency, but now AI has caused a huge spike.”

3. Data centers

“I worked for a utility company near Atlanta and all in just about 3-5 years the data centers became the largest load on electricity by a long shot. Before it was hospitals and shopping centers but the data centers started pulling WAY more load.”

“I work for a major transformer supplier as an engineer, and I design the pad-mounted ones. We are pumping out transformers as fast as we physically can, but our order backlog is so long that it is being measured in YEARS. Imagine ordering a PS5 and the projected shipping date is 2-4 years later.”

“Doing some data center work one day. Ask what the 8 smaller buildings outside are for, cuz they look like generator houses. They were way bigger than the mines, and there were 8 of them. The utility literally cannot supply them with enough power, so they’re just gonna make their own. Blew my mind.”

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4. E-Commerce packaging

“Packaging in general with e-commerce. Problem is it’s almost at a commodity level, so it’s a price and cost over design and performance.”

5. Pest Control

“Pest control, quietly, has a 5-11% growth year over year."

@pestworld Is pest control the right career path for you? There is no experience needed. You can learn everything on the job! #pestcontroljobs #highschoolgraduation #careergoals #helppeople #entryleveljobs ♬ Where We've Been (Vocalese Only) - The Young Ebenezers

6. HVAC (Heating, Ventilation, and Air Conditioning) Installation

“More areas where you used to get by just fine with an open window and a box fan are getting unbearably hot in the summers.”

“I’ve installed 3 for myself and a bunch for other, have the vacuum pump and the electrical needed is super easy too, but with a certification I can charge a lot more. I even use real wood trim to cover the line sets instead of that crap plastic.”

“Hand over fist money to be had in NYC doing that.”

- YouTube youtube.com

7. Creating mobile games

“$92.5 billion made in 2024, half of the entire video game industry.”

“The bored SAHM in her 40s that's spending money on Candy Crush when she wants a break from watching Bravo isn't going to take up console/PC gaming looking for something more complex and engaging, the simple phone screen game is plenty. Or the 8 year old that can get his hands on mom's credit card through her phone game but can't get his hands on a gaming PC.”

“94% of kids today prefer mobile for gaming compared to any console or PC.”

- YouTube youtube.com

8. Loneliness Remedies

"Any industry that fills the void left by having a partner and friends. People are lonelier than ever. So pets, porn, entertainment/distractions, dumb*** consumables (looking at you, labubu)."

9. Debt Collection

"I'm in the legal services industry related to debt collection. Bankruptcy filings are up double-digits each month, year over year. And they have been for approx. 12 out of the last 18 months. If you're a new attorney, it's a great field to get into because it's only getting busier and it's cyclical; Once this wave passes it'll be another 6 or 8 years and there's going to be another wave. Ride those waves to retirement!"

10. Pet cremation

“I never thought I'd do this because when my pets have died I've always just taken them to the veterinarian with my parents and idk what he does with them, but we lost our almost 15yo dog who belonged to my late mom so I thought it made sense to cremate him and spread his ashes in the same place we spread our mom's.”

“Just had to do this for the first time. It's awful, but I'm thankful to have something to hold instead of burying her”

- YouTube youtube.com

11. Any and all pet care, actually

“If you know how to source it you’ll make bank selling in western markets.”

“It’s catching on in the East, too. I went to a restaurant in downtown Tokyo and there were dogs in strollers and dresses all over. In fact, my baby’s stroller company makes doggy strollers. For over ¥80,000! ($550 USD). “

“People have so much information and most pet owners want their pet to live a long happy life and will spend on them. People didn’t used to care less, but the information and supplies just weren’t there. Despite the world going to shit in so many ways we’re in a golden age of pet ownership, and if anything the stress of life is making people more fixated on their animal companions as therapy and comfort creatures.”

@craftersclub.uk Making one of my best sellers 🐶 #sublimation #smallbusiness #petproducts #tutorial ♬ original sound - Crafters Club

12. Sports betting

“As a big sports fan, I can’t believe how out of control it’s become. 10 years ago, it felt like it was a niche thing that your weird uncle did; now, you cannot go anywhere that has sports and not have it be a massive point of discussion. A large group of people, mostly men, are completely incapable of watching a sport now without having money on something or yammering about their parlay.”

13. Making board games

“Plastic minis and war games. Seriously, Games Workshop [board game company] generates more revenue for the British economy than the entire fishing industry. It’s actually mad how much people will pay for that stuff when it’s so very cheap to make.”

14. Digital therapy

“Mental health and wellness technology, e.g., digital therapy apps, telepsychiatry, and wellness platforms.”

“Good one. I work for a behavioral health company that is fully telehealth…We book out several weeks with 40 full time providers.”

15. Selling secondhand clothes

“The second-hand clothing resale industry. Everyone talks about fast fashion, but Vinted and thrift stores are quietly driving a huge economy.”

@caroline.shops Replying to @AlternativeAmy some top tips on how to shift stuff on Vinted! 💰 💕 #vinted #vintedseller #vintedtips #vintedhacks #vintedhacksandtips #reselling #resellercommunity #makingmoneyonline ♬ original sound - CAROLINE | THE THRIFTER

16. …or secondhand cars…

“The used car market. I work on the back end in the commercial lending side for car dealerships. The tariffs (or threat of) on new cars have pushed used car prices towards ridiculous numbers. I occasionally show up at auctions to gauge market trends, and a 2017 VW Jetta with 133k miles hammered at $11k. Plus auction fees and transport, it’ll be $12k, and that’s before the dealer has done any repairs or made a dollar of profit. Pre-COVID, an 8-year-old Jetta would be $2k tops. But people keep paying it. My market share has risen about 40% since January.”

17. Storage Rentals

“We’re basically paying rent for our junk to live a better life than we do.”

“At my old company shortly after we'd all gone remote in 2020, a group of a few employees all quit at the same time to form a partnership and buy this little chain of storage units from an old guy who wanted to retire. Most of us thought they were insane for giving up great stable corporate careers to own some storage units. They're laughing at us now, in five years they've grown it several times over into one of the largest storage businesses in the metro area of millions of people.”

18. Mortuary Services

"Dead people. There are more dead people than ever."

"A family member is a Mortician by education, and though he has since retired out, he made great money doing it."

@retseleve #foryoupage #foryouofficial #mortician #embalmer #mortuaryschool #mortuaryscience #funeral ♬ Romantic Classical Piano Solo - FREDERIC BOUCHAL

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Community

36 middle class money-saving hacks that frugal folks swear by to keep spending in check

"The savings definitely add up."

Image via Canva/bogdankosanovic

Middle class people share their best money-saving hacks.

People who earn a middle class income understand that paying attention to every penny that comes in and goes out is a smart money strategy. According to Pew Research, the median household income for middle class people in the United States in 2022 ranged from $56,600 to $169,800.

And frugal middle class people are full of money-saving tips and hacks. To boost their savings, middle class people offered their best money-saving habits to those looking to boost their savings accounts.

From grocery shopping, cooking habits, and bills, they shared their best financial wisdom. These are 36 middle-class money saving hacks that can help everyone save more money.

saving money, save money, money, putting money away, money Saving money gif Giphy

"For me, it’s the simple habits passed down from family. Cooking at home instead of eating out, carrying a water bottle instead of buying one, and reusing jars or old cloth as cleaning rags. Even shopping during discount seasons instead of impulse buying has been a huge saver. These little things may not look like much, but over time they add up and keep life grounded." - NoMedicine3572

"Cooking beans and legumes from dry buying in bulk." - LiterallyKath

"I have an old Toyota is pretty messed up now, but it makes me laugh because it looks kind of like shit lol. But I don't have a car payment and I still get 25 miles per gallon or so. I'll drive that thing into the ground. As long as the car has air-conditioning music and drives decent, I don't really care." - renerdrat

"Stop being snobby about your cell phone service and go to cheaper ones that use the same towers. Mint Mobile has blown me away ... had it for 2 years now, can't believe I was paying AT&T $100/month before. Now I pay $25/month and everything works the same." - mordiaken & wezvidz

"I’ll add to this. We don’t need a new phone every year. Still rocking my 13 mini. Not planning to buy a new one anytime soon." - no_car1799

"Take Amazon off your phone- all orders need to be done on a laptop. Pay for groceries in cash- it tends to take down impulsive purchases. Coffee at home. Make your own cold brew. End of each quarter is use up what is in the fridge and pantry- only purchase are for what completes a meal. Talk about a budget each month. Actively look at places to cut." - Door_Number_Four

- YouTube www.youtube.com

"Look at the grocery store flyers and plan your meal prep around what's on sale that week. Base most of your meals on canned goods, frozen veggies, and tofu/inexpensive protein options. Wash/clean whatever you can using baking soda and or vinegar. Don't bother with paper towel use rags. Don't impulse buy research beforehand. Get a library card and use that sucker. Ensure your hobbies aren't too expensive for your lifestyle. Find weekend activities that are basically free. Don't attempt to keep up with other people in order to maintain some weird social status. Keep it simple when it comes to hygiene showers everyday and have your staple products you know work well for your hair skin and teeth and buy them in bulk when they go on sale. Look at your wardrobe and figure out what you actually need to replace before you go clothes shopping (write a specific list before you leave your place). Find frugal friends ;). " - RangerAndromeda

"Buying a sewing kit and learning basic hand sewing can help save pieces of clothing that need minor fixes for almost no additional investment. I can replace buttons, hem slacks, and reattach zippers with the same needles and thread I've had since 2016." - Iceonthewater

"Pack your lunch at home. Don’t eat out. I have a mini fridge under my desk. I’ll bring 2-3 lunches at a time, plus they are healthy." - smack4u & wpbth

"Door Dash [don't do it]. A $20 meal now costs $50 with tip and delivery." - Cucharamama

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"Learn how to fix simple shit safely. Leak under the sink? It’s 150+ just to have a plumber come out to look at it. Half the time it’s just a twist or swapping out a standard part that costs $5. And if you can’t fix it yourself you can still call the pro. It’s the same with most shit, I’ve learned with YouTube videos how to fix most of my appliances, change out outlets (TURN OFF THE BREAKER FIRST I KNOW) and repair a lot of things around my home that would cost me $100s of dollars for just a few bucks. Also, if you know handy people just ask them how. I had a sprinkler line split and it would have cost me $1000s for a professional repair. My neighbor works on gas lines for the city and he came over with a bag of spare joinings and told me to go grab some pvc and that blue glue shit they use. Cost me $20 bucks and half a case of modelo (we split it while he stood there watching me dig it up and then directing me how to cut out the compromised piece and fix it)." - JoefromOhio

"Buying popcorn in bulk and popping it on the stovetop, instead of prepackaged popcorn." - CBased64Olds

"Evaluation of my bills regularly- and tracking that the expected amounts are deducted. Example: my Comcast bill is normally $70/mo. $77 came out. The following month the invoice said $95 would be deducted. These companies creep up the bill and if you aren’t watching it will climb. In my experience, Comcast has been the worst offender of this. I called them and was refunded and my bill is back to $70. Also price shopping. I pay $15/mo for my phone service (Visible by Verizon- my service is better than when I was paying $179/mo T-Mobile or $250/mo att!) and $2.17 for Disney + Hulu. I use alternate suppliers for my electric. My bill was almost $300/mo, now it’s down to $110-$120/mo. Your bill is still generated through the regular electric company. You are just buying the electric from a cheaper supplier. I check/switch providers for any and every service every 3-6mo for the best savings. I was with AT&T for 20 years. Then I asked myself why am I loyal to them? Or any company? Bc it’s just easier. But now I view comparing prices for these things as a side hustle. Some of my bills are so low (like my cell bill or my streaming) that I don’t price shop them anymore. It’s a small time investment for thousands saved. I like to keep my money!" - Thor_StrngstAvenger

"Automation. You gotta find your number and then give yourself a little cushion and then the rest of your money needs to be automated out. Basically you learn to live on the money in your checking account. People who don't do this usually never realize that they can easily live on less." - scottie2haute

- YouTube www.youtube.com

"When I see something I like my first thought is 'but what am I gonna do with it?' If the answer is primarily 'Idk, I just think it’s neat', then I don’t buy it." - DeepDot7458

"Sounds silly, but we got my husband a nice cooler for Christmas, and I’ve taken to packing it when I go on outings/errands with the kids. “Mom’s random bag of shelf-stable snacks” doesn’t have as much appeal as that Chick-Fil-A sign, and I found myself easily convinced to order nuggets for myself, a medium fry or Mac and cheese for each of the kids, etc. $30 later, we’re satiated, but I’m kicking myself. Turns out turkey subs, chips, and snackle boxes with fruit, cubed cheese, crackers, mini pepperoni, etc ARE more appetizing than CFA, especially when they help pack the cooler." - Snoo-669

"IMO, it's not the habits around the small spends. It's the habits around the big spends. I focus on keeping my housing, transportation, food, and utility costs down -- in that order. Making my own coffee at home is trivial in comparison. But I do that too. And shop at Aldi. I keep a mental list of the good price on all the things I buy and try to always hit those prices and stock up when they do." - Cannelli10

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Realtor's raw, emotional take on why nobody can afford a house is beautifully devastating

"Corporations should not be allowed to buy single family dwellings."

@zacharyloft/TikTok

Realtor Zachary Loft discusses why it's impossible for young people to afford a home right now.

We’ve heard plenty of people lament the fading American Dream of being able to buy a home. But hearing that lamentation from the very people who sell that dream…it hits a bit different.

Delaware-based realtor and realty coach Zachary Loft (@zacharyloft) has had a very successful, very profitable career. In a recent TikTok video, he shared that he’s been able to make upwards of $400,000 in one year, essentially erasing any worries about money.

But over the past six or so years, Loft said that, along with his success, he had a “VIP front row seat to watching the American Dream get sifted away from the working class,” causing him to become disillusioned and fill with despair.

@zacharyloft Long one. Save for later. Rant #housing ♬ original sound - Delaware Realtor Zach

Getting passionate, Loft recalled how he once encouraged and educated people on making that potentially life-changing investment of a first-time home. However, in his own research, what he continued to find were legislative measures to “undo” the average person’s ability to attain this goal.

He cited the removal of 1933’s The Glass-Steagall Act, which prohibited commercial banks to merge with investment banks and insurance companies, as well as the “shifting tax brackets” brought on by the Reagan administration, the “skyrocketing” rise of private equity and “Wallstreet landlords.”

- YouTube www.youtube.com

“I look at the infestation of institutional investors buying up and banking on asset inflation that is housing, that is shelter, keeping normal everyday people out of having a roof in exchange for billionaires having bigger accounts,” he said, blaming their “egos” and a “lust for power.”

This greed, Loft argues, lines affluent pockets all while "draining" the income opportunities for the working, middle class. All of these revelations made him “not want to sell homes anymore” by 2022.

“I think I speak for a lot of people in their mid-20s right now that feel like ‘what if I do the work and the opportunity's just not there?” Loft said quietly.

Now, even more than selling homes, he wants “change.” And this call to action stuck a chord with many, many viewers.

“We’re so close to massive class consciousness. Keep pressing,” one person urged.

Another said, “Keep getting angry and loud at the systems. We gotta change it.”

“Dude, you have me in tears here” commented a third. “Your soul level conviction, altruism, and empathy touched me. You really, truly care. You are an incredible person. Please keep this up.”

Yet another hailed Loft's words as "slam poetry," saying it was "beautiful, even if every awful, devastating part is true."

While there is certainly truth to Loft’s findings, an article from journalist Derek Thompson suggests the well known housing crisis has less to do with private equity firms and more about the lack of new single family developments due to over-regulation and restrictive zoning laws that aren't set up to meet increasing populations.

To that end, several states are trying to make single family housing development easier. California’s governor Gavin Newsom recently signed into a law some groundbreaking reforms to boost housing production and infrastructure statewide and improve affordability. Similarly, cities like Minneapolis, Arlington, and Gainesville have also reformed and/or eliminated their single-family zoning laws.

There has also been an uptick in Real Estate Investment Trusts (REITs) that focus on investing in, developing, and managing properties that are specifically designed to serve low- and middle-income families. As explained by Sortis Capital, these REITs partner with governments, nonprofits, and private developers to provide housing at below-market rents, filling a gap that traditional market-rate housing developers cannot. Heavy hitters include Community Development Trust (CDT), Housing Partnership Equity Trust (HPET), and Reven Housing REIT.

- YouTube www.youtube.com

That’s not to say this isn’t still a very real and prevalent issue, nor that we will make much headway without addressing the overarching wealth and power imbalance in our country (i.e., billionaires). But, as many pointed out, true change happens when we speak up, together.

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5 pieces of financial advice from older generations that are officially obsolete

The economic landscape has changed. A lot.

Photo credit: Canva

What made financial sense decades ago doesn't necessarily make sense now.

Economics can be complicated, but there's one simple truth that's undeniable—today's financial landscape looks vastly different than it used to. Not only has the economy shifted in ways that make basic living more expensive, but the way money even works has changed a lot in just one generation.

Cash is out. Crypto is in (maybe, sometimes, depending on who you ask), and credit cards have become the standard form of payment for everyone. No one balances a checkbook anymore, and young people don't even know what that means. Sewing your own clothes used to be a way to save money, but now the cost of patterns and fabric have made sewing a somewhat expensive hobby, not a frugal hack.

A lot of the financial wisdom previous generations held dear simply doesn't apply anymore, as evidenced by people's responses to a question, "What financial advice from our parents' generation is officially dead?"

from Frugal

Here were some of the most common responses:

1. Get a college degree because it'll guarantee you a good job

"My parents didn’t say this but plenty in their generation did: “It doesn’t matter what your degree is in, just get a degree and there will be plenty of jobs available when you graduate.”

"The Millennial experience was being told we have to go to college; find something you enjoy doing and expect jobs in it; don’t worry about loans, there’s plenty of money out there. And then being yelled at and mocked when we come out with debt, dumb degrees and shitty jobs."

"My parents told me to just get a college degree and not worry about finding the perfect major. For them, just having a college degree opened doors. My advice to my son will be to be very intentional in the degree he chooses. Today you need to make sure your college degree will lead to employment."

college, graduation, diploma, jobs, college degree A college diploma isn't the golden ticket it used to be. Photo credit: Canva

Current reality: With the cost of college tuition skyrocketing over the past few decades and wages not keeping up with cost of living expenses, "college will guarantee financial comfort" simply isn't true anymore. A college degree might result in a well-paying job, but it might not. Indeed reports that Bureau of Labor Statistics data shows that "on average, those with four-year degrees still earn more than their trade school-educated counterparts," but with trade jobs being in high demand and some of them earning high salaries, college isn't necessarily the best path to financial success for everyone.

2. Keep a stash of cash under your mattress or in a shoebox

"The old classic 'shoebox under the bed' has been dead for a while, but people still do it. If you want to keep a couple hundred bucks in cash for an emergency, knock yourself out.

But my mother in law has like 20k stashed in my wife's childhood room and has had it there for years and years. Absolutely kills me but she won't even consider any other options."

"I had a friend who had $15k in cash stashed in her house, and then she got robbed. Of course, the thieves found the cash. Guess what homeowners' insurance doesn't reimburse you for when your house gets robbed? They paid her back $1000 of the $15k and that was it."

cash, money, stash of cash, money under mattress, savings People. used to keep money under their mattress "just in case." That's not really the best advice these days. Photo credit: Canva

"Back when I was doing finance at a car dealership I had a couple come into my office, finish all the paperwork, and then set $27,000 in a plastic shopping bag on my desk. I about crapped my pants. They had been carrying this bag of money throughout the sales process. I advised them to never do that again. They just hated banks."

"That 20k invested in an S&P index fund at a yearly average return of 10% would be $134,550.00 after 20 years. Left in a shoebox it’s…. 20k."

Current reality: A federally-insured bank is the safest place to keep your money. The need for actual cash has become less and less relevant as credit and debit cards are accepted almost everywhere, and keeping a large amount of cash around is risky. If cash is stolen, there's nothing you can do about it. If someone steals from your bank account, there are protections in place. Plus, keeping lots of liquid cash means missing out on investment returns.

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3. Be loyal to your company—it'll pay off

"'Loyalty pays off in the end' and 'Don’t change workplaces; try to stay at one place for your entire career' also 'Only change positions if it’s a vertical move. Don’t change positions if it’s a lateral move.' None of this is true any longer."

"A lot of people believed this at my last job. So much so that many stayed on for 20+ years. Earlier this year, this group became known as ‘highly tenured’ and was offered a voluntary retirement package. In many individual instances (such as mine) it wasn’t exactly ‘voluntary’. Maybe loyalty meant something at one time but definitely not anymore!"

"'Stick it out and put in your time' at a job you hate. The implication being, of course, that if you work hard for an employer and stay the course, you’ll be better for it. Those days are over.

company man, loyalty, jobs, working, employment Company loyalty doesn't pay like it used to. Giphy

Current reality: Millennials and Gen Z have gained a reputation for "job hopping," whereas previous generations were rewarded by staying with the same company long-term. But even in 2014, Forbes reported that “staying employed at the same company for over two years on average is going to make you earn less over your lifetime by about 50% or more.” Current wisdom says that job hopping will help you earn more.

4. You shouldn't be living with your parents after college

"I feel like the conventional wisdom about moving out on your own has changed since I was a kid. When I was growing up it was understood if you were still living at home past your early 20s/college graduation that meant you were failing at life. These days I know people in their 40s still living at home because they can't afford to move out in today's environment."

"Yup. I know a few people who have adult kids living with them because they can’t afford to live on their own after college. Rentals in my state are absolutely insane, and when you combine that with college loan repayments? Forget it."

"As someone who is living at home in her thirties the stigma has dropped like a rock since COVID. I was given more shit for living at home at 22 than I was at 32. My parents had a car accident this year and the doctors were over the moon there was an adult kid at home to sort everything out."

"That's one practice I am grateful my immigrant parents never assimilated, and the fact I have a good relationship with them. Their was no expectation to move out until I was engaged / married. Multi-generation households make so much sense when it comes to saving money and pooled resources."

living at home, multigenerational household, living with parents, new economy, cost of living Lots of adults are living at thome after college. Giphy

Current reality: According to data from Sallie Mae, 64% of college grads are still living with their parents within the first two years of graduation, and 35% are still at home between three and five years post-grad. Living at home has become a financially wise and socially acceptable decision—it no longer means you're a lazy loser without the ability to support yourself.

5. Stay away from stocks (or even 401Ks)

"The advice from my depression-era parents. Stay away from stocks, they will always crash and you will lose your shirt. Guaranteed."

"My boomer mother: 'Putting your money in a 401k is gambling. You might as well take it to the casino or throw it away.'"

"My grandmother refused to try to understand why we had 401ks that were invested in stocks. 'All those Wall Street crooks do is steal your money!' She also couldn't understand why we didn't just keep all our money in a savings account in the bank, even when we explained that our bank savings account was only giving us .03% interest."

"That was also the advice I got from basically all my coworkers when I first started work after college in 2009 regarding a 401k. I had enough sense and luck to ignore them and still contribute, but I did put less in than I could have. I don't think I would have been able to retire yet, but would have been much closer than I am now."

401K, investing, investments, retirement, savings Investing for the future looks a bit different now than it did a couple of generations ago. Photo credit: Canva

Current reality: Some people who advise against investing in the market came from the Great Depression or felt the sting of some other major downswings in the stock market during their lives. For sure, all kinds of investments are risky to varying degrees, but in the absence of pensions, if you ever want to retire, investing is pretty much the only way to do it. The stock market isn't the only way, of course, but it does have an average 10% return overall over the past century. And 401Ks aren't necessarily tied to the stock market; there are lots of safer ways to invest your retirement funds these days.

One commenter wrote of our elders' financial advice that's aged like milk, "Almost all of it. Because the world their advice is based in no longer exists." That's really the crux of it. We can look to our parents and grandparents for all kinds of wisdom born of experience, but when it comes to financial advice, best to look to the experts who have a better understanding of our current economic landscape.

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