Hello everyone. It is I, Chelsea Fagan, founder and CEO of the Financial Diet and person who loves talking about money.

And welcome to this week's episode of the Financial Confessions. And before we get started, I want to thank HelloFresh for supporting this episode of the financial confessions.

Go to hellofresh.com slash TFC16 and use code TFC 16 for up to 16 free meals and three free gifts.

And today I wanted to talk about a topic that comes up kind of peripherally in a lot of our other conversations and interviews,

especially when they intersect with things like policy and politics, but also kind of unsurprisingly when we talk about things

like the crypto phenomenon.

Often what we're talking about, even

when we're just talking about basic everyday personal finance

choices are the context in which we live.

And in the case of Millennials and Gen Z,

an increasingly bleak financial and economic landscape

in which to navigate.

A lot of the things that were possible, if not easy,

for our parents' generation, are pretty

inaccessible to young people today.

That's things like affordable education,

being able to enter into the housing market,

being able to support a family on a single income,

having strong well-protected union jobs,

having comprehensive benefits, and all of the other things

that used to be the hallmark of America's world-class,

middle class.

...