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PostPosted: Fri Feb 09, 2018 11:54 pm 
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according to consumer advisory firm, Distill.

Mostly due to student debt.

https://www.bloomberg.com/news/articles/2018-02-09/millennials-spending-weighed-down-by-student-debt-expert-warns


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PostPosted: Sat Feb 10, 2018 7:43 am 
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Frugal isn't a synonym for broke. Frugal implies they have a choice.

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PostPosted: Sat Feb 10, 2018 7:45 am 
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awesome guy wrote:
Frugal isn't a synonym for broke. Frugal implies they have a choice.

I agree with you. Those with student debt are frugal, those without buy $12 martinis.


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PostPosted: Sat Feb 10, 2018 8:08 am 
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133743Hokie wrote:
awesome guy wrote:
Frugal isn't a synonym for broke. Frugal implies they have a choice.

I agree with you. Those with student debt are frugal, those without buy $12 martinis.
The ones without student debt and don't buy the martini are frugal.

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PostPosted: Sat Feb 10, 2018 8:50 am 
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I’m fortunate to have left college with no student loan debt. I don’t necessarily buy a lot of things, but for the things I do buy, I’ll pay a premium for higher quality. I’m not ever going to buy a boat or motorcycle because I don’t want to be the person who buys those and then only use them a handful of times. Same with my golf clubs. They’re almost 20 years old, but are still in good condition and functional. I’m not good enough nor play enough to warrant me updating my clubs every few years. The house we just bought, food, clothes, and travel are the type of things I’ll happily spend a little more on.


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PostPosted: Sat Feb 10, 2018 5:23 pm 
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I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


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PostPosted: Sat Feb 10, 2018 5:33 pm 
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Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


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PostPosted: Sat Feb 10, 2018 6:13 pm 
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Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


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You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

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PostPosted: Sat Feb 10, 2018 6:34 pm 
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Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


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Millennial couple sells everything, buys sailboat, sinks it and everything they own in 29 minutes.

https://www.thesun.co.uk/news/5547149/c ... -days-sea/

Image

Image

_________________
“At the core of liberalism is the spoiled child — miserable, as all spoiled children are, unsatisfied, demanding, ill-disciplined, despotic and useless. Liberalism is a philosophy of sniveling brats.”

― P.J. O'Rourke


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PostPosted: Sat Feb 10, 2018 6:42 pm 
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USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


Sent from my iPhone using Tapatalk


Millennial couple sells everything, buys sailboat, sinks it and everything they own in 29 minutes.

https://www.thesun.co.uk/news/5547149/c ... -days-sea/

Image

Image
Damn, "something" was the seafloor. Doubt they had enough sense(or cents) to run a chart plotter and sounder. That's the 4th millennial I know doing(or did in this case) this trip. At least the others have 40+ft boats, even if they're going broke on repairs. They don't comprehend how expensive a boat is to maintain and 30 year old boats need a lot of maintenance.

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PostPosted: Sat Feb 10, 2018 9:29 pm 
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USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


Sent from my iPhone using Tapatalk


You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

I think you are reading the women wrong. At 18 they want a career and persue a degree. At 22, with degree in hand, they are anxiuos to get started on that career and advance. However, by late 20s or early 30s they see there is more to life than work and career. They're wired differently than men. What they want is different, and the reality is they don't know it until it hits them up side the head at that point in time. IIWIi. They don't enter college and persue advanced degrees with the intent to walk away. It just happens often because it's who they are.


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PostPosted: Sat Feb 10, 2018 9:54 pm 
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133743Hokie wrote:
USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


Sent from my iPhone using Tapatalk


You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

I think you are reading the women wrong. At 18 they want a career and persue a degree. At 22, with degree in hand, they are anxiuos to get started on that career and advance. However, by late 20s or early 30s they see there is more to life than work and career. They're wired differently than men. What they want is different, and the reality is they don't know it until it hits them up side the head at that point in time. IIWIi. They don't enter college and persue advanced degrees with the intent to walk away. It just happens often because it's who they are.


I think we agree on that, my point is that it doesn't make sense for them to do so in many respects.

_________________
“At the core of liberalism is the spoiled child — miserable, as all spoiled children are, unsatisfied, demanding, ill-disciplined, despotic and useless. Liberalism is a philosophy of sniveling brats.”

― P.J. O'Rourke


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PostPosted: Sat Feb 10, 2018 10:08 pm 
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133743Hokie wrote:
USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


Sent from my iPhone using Tapatalk


You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

I think you are reading the women wrong. At 18 they want a career and persue a degree. At 22, with degree in hand, they are anxiuos to get started on that career and advance. However, by late 20s or early 30s they see there is more to life than work and career. They're wired differently than men. What they want is different, and the reality is they don't know it until it hits them up side the head at that point in time. IIWIi. They don't enter college and persue advanced degrees with the intent to walk away. It just happens often because it's who they are.
The lucky or unsuccessful ones figure it out in their 20s or early 30s. The ones with some kind of career, slow learning, etc figure it out in their late 30s or early 40s and end up marrying a blue collar type/marrying down in hopes of kicking out a kid before infertility hits. They're set up for failure and depression early on by following feminist dreams. Nature is very cruel to them, the ones that make it to 50 without kids are a giant weeping ball of regret. They're also typically the successful career types and then that whole world falls apart too as it's not what they want. It's a form of abuse to down play or dismiss children when guiding young women.

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PostPosted: Sun Feb 11, 2018 7:05 am 
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USN_Hokie wrote:
133743Hokie wrote:
USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


Sent from my iPhone using Tapatalk


You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

I think you are reading the women wrong. At 18 they want a career and persue a degree. At 22, with degree in hand, they are anxiuos to get started on that career and advance. However, by late 20s or early 30s they see there is more to life than work and career. They're wired differently than men. What they want is different, and the reality is they don't know it until it hits them up side the head at that point in time. IIWIi. They don't enter college and persue advanced degrees with the intent to walk away. It just happens often because it's who they are.


I think we agree on that, my point is that it doesn't make sense for them to do so in many respects.

In hindsight, yes. But at the time the career is what they want. Their priorities change over time more then mens do.


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PostPosted: Sun Feb 11, 2018 11:44 am 
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Women also find the reality of the workplace to be nothing like the fantasy. A woman at work once told me, “There is no such thing as the girl’s club at work”.

I used to work with a guy who in his younger days was ceo of a big private equity company. Very rich, powerful and a little sadistic. He put the reality of corporate life best, “competitors are an annoyance, but the real battle is always internal”. So true. It is a dogfight every day. The knives in my back are very real. I think women see this and are like “Peace out”.


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PostPosted: Sun Feb 11, 2018 4:42 pm 
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Bay_area_Hokie wrote:
Women also find the reality of the workplace to be nothing like the fantasy. A woman at work once told me, “There is no such thing as the girl’s club at work”.

I used to work with a guy who in his younger days was ceo of a big private equity company. Very rich, powerful and a little sadistic. He put the reality of corporate life best, “competitors are an annoyance, but the real battle is always internal”. So true. It is a dogfight every day. The knives in my back are very real. I think women see this and are like “Peace out”.


Sent from my iPad using Tapatalk


Just took over a new plant. Fired one of the maintenance guys and his brother quit the next day. Everything else I've had to deal with has been cake. People are always the biggest issue. Two immediate relatives should never report to the same person.


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PostPosted: Sun Feb 11, 2018 4:49 pm 
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ElbertoHokie wrote:
Bay_area_Hokie wrote:
Women also find the reality of the workplace to be nothing like the fantasy. A woman at work once told me, “There is no such thing as the girl’s club at work”.

I used to work with a guy who in his younger days was ceo of a big private equity company. Very rich, powerful and a little sadistic. He put the reality of corporate life best, “competitors are an annoyance, but the real battle is always internal”. So true. It is a dogfight every day. The knives in my back are very real. I think women see this and are like “Peace out”.


Sent from my iPad using Tapatalk


Just took over a new plant. Fired one of the maintenance guys and his brother quit the next day. Everything else I've had to deal with has been cake. People are always the biggest issue. Two immediate relatives should never report to the same person.
You'll be looking again in 3 months.

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PostPosted: Sun Feb 11, 2018 5:05 pm 
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awesome guy wrote:
ElbertoHokie wrote:
Bay_area_Hokie wrote:
Women also find the reality of the workplace to be nothing like the fantasy. A woman at work once told me, “There is no such thing as the girl’s club at work”.

I used to work with a guy who in his younger days was ceo of a big private equity company. Very rich, powerful and a little sadistic. He put the reality of corporate life best, “competitors are an annoyance, but the real battle is always internal”. So true. It is a dogfight every day. The knives in my back are very real. I think women see this and are like “Peace out”.


Sent from my iPad using Tapatalk


Just took over a new plant. Fired one of the maintenance guys and his brother quit the next day. Everything else I've had to deal with has been cake. People are always the biggest issue. Two immediate relatives should never report to the same person.
You'll be looking again in 3 months.



Nah. Big raise. Easy manager to deal with. I'll be here for a while.


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PostPosted: Sun Feb 11, 2018 5:07 pm 
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ElbertoHokie wrote:
awesome guy wrote:
ElbertoHokie wrote:
Bay_area_Hokie wrote:
Women also find the reality of the workplace to be nothing like the fantasy. A woman at work once told me, “There is no such thing as the girl’s club at work”.

I used to work with a guy who in his younger days was ceo of a big private equity company. Very rich, powerful and a little sadistic. He put the reality of corporate life best, “competitors are an annoyance, but the real battle is always internal”. So true. It is a dogfight every day. The knives in my back are very real. I think women see this and are like “Peace out”.


Sent from my iPad using Tapatalk


Just took over a new plant. Fired one of the maintenance guys and his brother quit the next day. Everything else I've had to deal with has been cake. People are always the biggest issue. Two immediate relatives should never report to the same person.
You'll be looking again in 3 months.



Nah. Big raise. Easy manager to deal with. I'll be here for a while.
Doubt they agree. "New sheriff in town" bit will get you the door.

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PostPosted: Sun Feb 11, 2018 5:27 pm 
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awesome guy wrote:
ElbertoHokie wrote:
awesome guy wrote:
ElbertoHokie wrote:
Bay_area_Hokie wrote:
Women also find the reality of the workplace to be nothing like the fantasy. A woman at work once told me, “There is no such thing as the girl’s club at work”.

I used to work with a guy who in his younger days was ceo of a big private equity company. Very rich, powerful and a little sadistic. He put the reality of corporate life best, “competitors are an annoyance, but the real battle is always internal”. So true. It is a dogfight every day. The knives in my back are very real. I think women see this and are like “Peace out”.


Sent from my iPad using Tapatalk


Just took over a new plant. Fired one of the maintenance guys and his brother quit the next day. Everything else I've had to deal with has been cake. People are always the biggest issue. Two immediate relatives should never report to the same person.
You'll be looking again in 3 months.



Nah. Big raise. Easy manager to deal with. I'll be here for a while.
Doubt they agree. "New sheriff in town" bit will get you the door.


I got told by HR: "They should have been fired years ago." I've got a guy that retired 4 months ago asking to come back now that those two are gone. My boss fully agreed with the decision. Weak leadership before me.

You're a quality internet troll though.


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PostPosted: Sun Feb 11, 2018 5:28 pm 
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ElbertoHokie wrote:
awesome guy wrote:
ElbertoHokie wrote:
awesome guy wrote:
ElbertoHokie wrote:
Bay_area_Hokie wrote:
Women also find the reality of the workplace to be nothing like the fantasy. A woman at work once told me, “There is no such thing as the girl’s club at work”.

I used to work with a guy who in his younger days was ceo of a big private equity company. Very rich, powerful and a little sadistic. He put the reality of corporate life best, “competitors are an annoyance, but the real battle is always internal”. So true. It is a dogfight every day. The knives in my back are very real. I think women see this and are like “Peace out”.


Sent from my iPad using Tapatalk


Just took over a new plant. Fired one of the maintenance guys and his brother quit the next day. Everything else I've had to deal with has been cake. People are always the biggest issue. Two immediate relatives should never report to the same person.
You'll be looking again in 3 months.



Nah. Big raise. Easy manager to deal with. I'll be here for a while.
Doubt they agree. "New sheriff in town" bit will get you the door.


I got told by HR: "They should have been fired years ago." I've got a guy that retired 4 months ago asking to come back now that those two are gone. My boss fully agreed with the decision. Weak leadership before me.

You're a quality internet troll though.
Uh huh. That's what they always tell the Patsy.

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PostPosted: Mon Feb 12, 2018 9:58 am 
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133743Hokie wrote:
USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


Sent from my iPhone using Tapatalk


You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

I think you are reading the women wrong. At 18 they want a career and persue a degree. At 22, with degree in hand, they are anxiuos to get started on that career and advance. However, by late 20s or early 30s they see there is more to life than work and career. They're wired differently than men. What they want is different, and the reality is they don't know it until it hits them up side the head at that point in time. IIWIi. They don't enter college and persue advanced degrees with the intent to walk away. It just happens often because it's who they are.


how dare you say men and women are different, you are on the list!


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PostPosted: Mon Feb 12, 2018 10:23 am 
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cwtcr hokie wrote:
133743Hokie wrote:
USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


Sent from my iPhone using Tapatalk


You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

I think you are reading the women wrong. At 18 they want a career and persue a degree. At 22, with degree in hand, they are anxiuos to get started on that career and advance. However, by late 20s or early 30s they see there is more to life than work and career. They're wired differently than men. What they want is different, and the reality is they don't know it until it hits them up side the head at that point in time. IIWIi. They don't enter college and persue advanced degrees with the intent to walk away. It just happens often because it's who they are.


how dare you say men and women are different, you are on the list!

[Gulp!] Not "The List"! Please, no.


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PostPosted: Mon Feb 12, 2018 10:41 am 
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133743Hokie wrote:
cwtcr hokie wrote:
133743Hokie wrote:
USN_Hokie wrote:
Bay_area_Hokie wrote:
I make financial products for Millenials so I am in their heads all day. Yes, they are generally very frugal and many call themselves minimalists. The really funny thing you get from them in interviews is how many of them plan on checking out once they get a little money in the bank and get their loans paid off. That is probably just youth talking BUT I hear this a lot. I always want to ask them, “Why did you get a grad degree and $200k in debt if your end goal was to be a bohemian”?


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You could ask the same question of most women who go to college and then decide to have kids (and stop working).

Had one female employee with double engineering degrees from VT tell me she was working until she pays off her student loans....

Have another with an engineering degree from the academy and a Masters from MIT. She went part time and is now checking out to spend more time with the kids.

I could go on and on. It used to be that women went to college in order to find higher status men (and that's legitimate argument...not going to find good men waiting tables at Dennys). But today, women are told to whore themselves out in college and settle down in their 30s.

I think you are reading the women wrong. At 18 they want a career and persue a degree. At 22, with degree in hand, they are anxiuos to get started on that career and advance. However, by late 20s or early 30s they see there is more to life than work and career. They're wired differently than men. What they want is different, and the reality is they don't know it until it hits them up side the head at that point in time. IIWIi. They don't enter college and persue advanced degrees with the intent to walk away. It just happens often because it's who they are.


how dare you say men and women are different, you are on the list!

[Gulp!] Not "The List"! Please, no.


you are the next one behind doritos :lol:


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