Goldie you're not Nick. I'm not Nick. Consider me a poor man's Nick

Hanauer in the sense that compared to Nick I'm really, really poor.

But I do work here.

I'm working a lot of the stuff that Nick works on,

so Annie, I will try to answer our listeners' questions.

Thank you so much for your sacrifice today, Goldie. I'm so happy that you agreed to do this.

So let's start. Who have we heard from?

All right, here's the first one.

Hi, this is Austin from New Hampshire. I love the show. Thank you so much for you guys are doing. It's great.

Sometimes I hear this phrase where millennials or whomever, if they just stop buying copies, stop doing this or that, that things get better for them.

At what point is that a legitimate argument?

Just some part of it must be budgeting, but is the suggestion really that people are supposed to stop participating in the economy in order for things get better?

It seems like a disingenuous argument, but sometimes these arguments sound like they have some legitimacy to them. Like maybe if I budget

better things would be better. But when is it budget and when is it something that's

greater? I guess that's my question. Thanks so much for your help. Keep up the great work.

Thanks for your question, Austin. You know, if it walks like it's disingenuous and it quacks like it's disingenuous, it's disingenuous. This argument that the problem with

millennials is that they're spending too much money on lattes and avocado toast, well

that's just an excuse to explain why millennials are being underpaid, why their

student debt is so high, why essentially boomers like me have screwed the younger generation.

Of course, budgeting matters.

I'm a really cheap person, so I tend to use the free coffee

in the office rather than buying something that tastes good, but that's just me.

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