Tag Archives: millenials

Everything You Think About Conservative Millennials Is Wrong

 

millenial cat

Millennial:
noun

  1. a person reaching young adulthood around the year 2000; a Generation Yer.
    “the industry brims with theories on what makes millennials tick”
Unless you live in the stone age, you probably hear this term daily, but the majority of people associate it with the lazy working class of twenty-somethings who likely have no direction in life and whom also lack respect for anyone who would identify as a baby boomer. Don’t lie. You know that’s how you think of them us. Those kids you don’t want on your lawn.
But they we are an integral part of the political game. As cliché as it sounds, they we are the future and at some point, the baby boomers will have to stop shunning them us. We see the world differently, but somewhere in the mix of labeling and the desire to be right because you’re older, you stopped listening and wrote us off as “not conservative enough”.

Allow me to offer a few examples.

Immigration
Last week, I attended a Peach Pundit Immigration forum where the diverse panel actually included ‘one of us’. Chairman of the Georgia College Republicans, Will Kremer, made a point that resonated with me immensely. “When you talk about immigration reform, and you refer to these people as ‘invaders’, it turns us off. We grew up with these people, we went to school with them.”
It’s true. Right, wrong or indifferent, current protocol puts these children, sometimes anchor babies, in school with us millennials and so we don’t see them or their families as the delinquents society is painting them to be. We see them as humans first. It doesn’t mean we don’t want tighter immigration policy, that we don’t want to secure the border or enforce the laws on the books. Maybe our view could open your mind a little bit when it comes to discussion because we see it differently.

Next, consider gay marriage. I challenge you to find one millennial -liberal, conservative, libertarian or independent who lists gay marriage as their number one issue. I would put money on the fact that it isn’t even in the top 5. You think it’s the demise of our country, we care about our national debt, the student loan crisis and whether or not we will have a job post-college/grad school. We may have our personal views on it, but it’s not what’s driving us to the polls.millennials_and_cause_infographic
Also, we don’t see the over-criminalization of drugs as an abuse of power because we are all a bunch of pot heads. We see it for what it is: a pathway of destroying lives of youthful and first time offenders who will likely never “re-offend.” This has become a taboo talking point. Stop shutting us down as druggie good-for-nothings because we don’t think a marijuana offense should ruin a career path. We just see it differently.
Finally, we don’t really like war. Not because we don’t want the strongest military in the world or we’re any less patriotic, but because as a nation, we choose poorly and you’re going to die and we will have to pay for it. And much to your denial, we are pro-life.

I’m not saying that millennials are right about everything. Most of us know we still have a lot to learn. But our hearts and minds are still open so we see things differently. We grew up differently. We have a different level of compassion and we have different reasons for supporting candidates. We tend to pick issues over party affiliation, but only because you’re alienating us. We aren’t going anywhere, I promise, so we at least deserve a seat at the table.

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I Can Spend! Spend! Spend!

shopping-bags

When I was 18, I applied for a credit card because I was told that’s how you build credit. “No credit is worse than bad credit” they say. So I applied and received a $500 credit line on the first try! I was ecstatic. I filled up on a tank of gas using my card and the next month they raised it to $1,000 with a “Congrats!” letter. This was excellent news considering that was about the amount I made monthly at my rinky-dink church job while in college. Even though I was an adult and knew everything at a mere 18 years old, my mom always cautioned “Don’t run it up! But don’t pay the whole thing off either. Just keep a “very, very low” balance”. So I did. I was truly careful, I even consulted with a company like the North Shore Advisory Inc to get up to date advice on how to most efficiently build credit and rewards. I was ahead of the curve in responsibility.

Over the next year or so, I made a valiant effort to ‘make smart decisions’ with my $1,000.00 credit line and didn’t use it much at all. Fast forward to age 20 and my car unexpectedly needs new tires. (I am a female and don’t normally give any vehicle the attention it needs. Truth is, it probably needed tires for a while) I put a whopping $700 on the card and the next  month, I had a big credit increase –$4,000! Congrats!! Paid off the tires completely and it doubled again…$8,000 with yet another congratulatory letter.

I’m not sharing this credit information because I’m proud. I’m sharing it because I am absolutely appalled. I managed to hold steady at the $8,000 limit for a couple of years but yesterday I logged in to pay my bill and found that my limit had been extended to a colossal (to me!) $11,200. I am 25 years old. I have no business having a line of credit like that. Whether I’m making $25,000 or $100,000 a year, we are talking about AT LEAST 10% of income dedicated to credit card debt. With so many people my age unemployed, a majority of millennials carrying a massive amount of student loan debt and  the whole ‘well, we don’t really give a rootie-pa-tootie about personal responsibility”…we are headed down a dark road of personal and economic destruction and everywhere we turn, there is a crutch to put of the debt for just a little while.

Now, I will say, I struggled with this internally because I certainly don’t want younger people to be discriminated against or denied anything because of their age, but there has to be some benchmark for credit. It’s just like the mortgage bubble and the student loan bubble. Not everyone needs a credit card. Not everyone needs the same credit line. Not everyone needs the same perks. In that capacity, the responsibility is on the company. Stricter income-to-debt ratios? Or maybe don’t increase the credit limit unless someone asks? I never once asked for a credit line increase, the company just did it for me. And for goodness sakes…can we please stop rewarding people for spending on someone elses dollar? My credit score went up over 50 points when I took out my student loans.

I don’t want more regulation for private companies who are lending out the credit, but it comes back around when we, as taxpayers, have to bail them out again- not to mention, we don’t know where this ‘loaned’ money is actually coming from.  We preach and preach and preach about the national debt and say ‘Americans live off of what they earn, why won’t the government?” but in reality, we’re perpetuating a cycle of transferring debt to different boiling pots that are all about to overflow. Credit cards aren’t sexy and neither is debt. It’s time we start characterizing spending a little differently and stop being so careless.