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Lucky for me my parents were both "I didn't save anything for retirement, my kids will take care of me when I'm older", so I don't have to suffer through this.
For most people the answer is... Yes, to live the the same standard. This generation barely affording one car while the previous generation had multiple...
I don't know what you think 50$ a month compounds to, but I've done the math and I'll need to put away 7-800 per month to save enough to cover rent/food for a reasonable amount of time 40 years from now.
Sounds pretty selfish to have your kids in debt instead of using the wealth you've accrued to avoid your family paying interest to the bank. Pretty dumb way to hamstring your family's ability to accrue generational wealth. Like damn I guess you actively dislike your kids and grandkids.
I make less than $18 per hour and I can still afford rent without roommates, buying my own car, buying my own food and STILL afford my own monthly services.
Is it cheap? Of course not. Am I saving money? Barely. But here's the thing you're not considering:
In about 20 years When all the Boomer/Z generations are retired and not working to earn money, where do you think all that money is going to be? If you think they will have all the money while our generation is running the government, then you sir/ma'am lack foresight into the future.
The money isn't going to magically disappear, it will still be there and you will still be working to earn your fair share. It isn't going anywhere.
Save your money now, so you don't have to ask your parents for money later.
TLDR: Grow up and quit relying on your parents for everything. There's a reason we become "adults" when we turn 18.
On the books of corporations, who will continue to fight tooth and nail to frustrate worker attempts to "earn their fair share"
Good job lucking into a low cost of living area. Check how much margin you could have moving to a higher col area to get a higher paying job. You might be able to contribute less to savings! Very lateral.
I worked and rented from the time I was 18, and took on debt to be able to eat. This is instead of living with my parents who were and continue to be over housed, or attending college to get a higher paying job sooner.
I will not be surprised if they cash out, hand the asset to a corp, and go ahead and burn the money on luxuries they don't really care about.
Corps design their services to exploit their customers. Banking, transportation, housing, all of them. If you are old enough to retire and you are still dancing to that same marketing jingle y'all got some problems.
Once again. They earned that money themselves. You can't blame our parents on what million dollars corporations are making. Out parents are not all part of the 1%, they earned their living just as much as you need to earn your own. If you want more money, get a better job, or start your own business. We have the resources necessary to do just that, right at our fingertips, literally.
It's the amount of effort your putting in that makes a difference. But please, go ahead and keep living off your parents income. Might as well move back in and live in their basement too, so you can spend all your time on the internet, squalling over how much your parents are not giving you money.
Oh and by the way, just remember that when you were a kid, they bought your clothes, they paid your rent, they bought your food, and they paid for your schooling. And you have the audacity to ask them for more.
I forgot they have no choice about what products they buy or who they voted for for the last decades.
If you could read, I never have. If I was able to take advantage of things they had and did not utilise, like spare rooms, I would have a higher level of income and savings right now.
I did not have a choice to do better things, they had the choice to provide or deny these things.
They did the minimum needed to stay out of jail. Neglecting children you choose to keep is a crime.
And yet, you're still here. Your still alive. If you're not living off your parents income and yet believe your obligated to some of that money, you're part of the problem. Where do you think that money comes from?
The only thing your proving to me right now is that you don't want to put in the effort to make more money.
And just an FYI: there are people in our generation that DO make a decent living, working good paying jobs, and NOT living off thier parents money. And do you know what they're doing right now? I'll tell you what, they're NOT bitching about wanting their parents money, because they have the skills necessary to get it themselves.
You tell me congratulations on living in low income? It wasn't that hard, a simple Google search is all it takes to find out where the low income housing is. And although I DO live in low income housing, I pay full price for it, because I make too much money. Let me reiterate that: $18 an hour is too much money to qualify for low income housing. But, my apartment is a studio that is about 35x35 sqf. You're damn right it's cheap, because I don't need a 4 bedroom 3 bath house to get by. I get by just fine living with my cat. I put my money into my 401K just like my parents did, and guess what? It worked out for them, and they lived during the Great Recession. They lived a life just as hard as yours.
Look, I'm not saying there aren't greedy, shity parents out there who don't give a damn about their childrens future. They obviously exist.
But blaming an entire generation(s) on the problems of ours is not going to fix said problems. They aren't going to give us the money, no matter how much we beg, just like their parents didn't do for them. The only thing we can do is stop looking at the past, and focus on the future.
I know it looks bleak and the grass is always greener on the other side, but the world is not going to end because our parents decided to splurge on themselves. There are 3rd world countries out there that make even less than any of us do, and they're surviving. What right do you have to ask someone else for money if you aren't willing to earn it yourself?
I make great money, around 90k, probably 95 next year. I put over 500$/month to my RRSP.
I wasted a ton of money on the way here. A utilitarian solution would have been, don't waste that money.
It's not about entitlement, it's about being smart. My kids, nieces and nephews will have savings from an early age and will not waste money paying interest if I play my cards right. I think it's my responsibility to make sure the resources we have are utilised in the best way, being I want all of us to be happy and successful.
Parents say they want their children to be successful, it's a clown choice to do nothing to support that when there's the option to do something.
I'm glad you feel that way. And I'm happy you make a decent living. You're living the life I want to live. If I had the money to support my family that way, I would. But I don't have that kind of money. And I STILL feel that I am not obligated to any of my parents money. My parents did more than give me money, my parents taught me how to wipe my but, pay a bill, and have a good work ethic. And I believe I will never make an income of 90k. Not for lack of effort, but because I like the job I have, despite it not (nor will it ever) pay well.
But that's just the way the world works. Some people get better jobs and save it for themselves, and some people save it for their family. I wish everyone could live the latter life, but that's just not a sane way of thinking.
I won't ask my parents for money, just like I would never ask you for a hand out. I will earn my way in life, and if that means I'll never make enough to live comfortably, then I guess that's the hand I've been delt. But not matter what happens, I'll always be proud to tell everyone: hey, I live on my own. Hey, I bought that car with my own money. No my parents didn't give me any of it.
Maybe I'm just too conceited to ask for money, but I want to live my life the way I want, and that's by earning everything I have. On my own. With my own efforts. And if you think that's a horrible way of living, then maybe I am wrong for thinking that way. Maybe I should tell my parents I deserve their money. But I won't, and probably never will, and I believe wholeheartedly that my way of thinking is the right way.
Obviously parents are entitled to spend their own money but generally if kids are struggling parents want to help.
Your post makes it sound like the current young working generation has the same lived experience as people who are retired. That's just not the case at all. It's much harder for the average person to save up money and buy a house now than it was in the past.