In 1995, President Bill Clinton remarked, “America has always been a land of opportunity, a land where, if you work hard, you can get ahead.” It was an inspirational claim, and as a millennial, someone born between 1981-96, it was ingrained in my head. Go to college, get a job, and everything will be okay as long as you work hard and with purpose.

I’d love for that to be true, but the numbers tell a different story.

According to the 2025 National Association of Realtors’ Home Buyers and Sellers Generational Trends Report, 43% of younger millennials carry a median student debt of $30,000 with around 29% of older millennials having a median debt of $35,000. That’s on top of the average millennial’s credit card debt of $6,691, per Experian.

Retirement? Seventy-five is optimistic. The Ameri

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