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Months ago, I received this reader question: \u201cIt feels like I\u2019ve done everything right, and yet I can barely make ends meet. Has life always been this\u2026hard?\u201d\xa0\nThis stuck with me for a long time. They weren't the first to ask this, or the second or third. And ultimately, this question became the focus of this special two-part series.\nBecause when I first started writing about personal finance in 2018, I believed the rules of the game were fixed, simple, and universally applicable. I had the tonic that was going to make my generation rich, because I figured the things that worked for me would work for everyone.\nThe perilous two years that followed\u2014aka the pandemic\u2014opened my eyes to just how complex life is in the 21st century, particularly for those coming of age in it\u2014and this mini-series is my attempt at making sense of the world around us politically, economically, and culturally. (And yes, the financial implications at the collective and individual levels.)\xa0I'm also joined by Malcolm Harris, author of Kids These Days (https://www.littlebrown.com/titles/will-collyer/kids-these-days/9781478992332/), which I quote throughout the episode.\nListen to part two here: https://link.chtbl.com/O11nOQjn.\n\u2014\nMentioned in the Episode\n\nAnne Helen Petersen's Budget Culture and the Dave Ramseyfication of Money: https://annehelen.substack.com/p/budget-culture-and-the-dave-ramseyfication?s=r\n\n\nD\u0113mos research in 2008: https://www.demos.org/research/economic-state-young-america\n\nJacqui Shine of the Los Angeles Book Review: https://lareviewofbooks.org/article/wont-get-fooled-again-malcolm-harriss-kids-these-days-human-capital-and-the-making-of-millennials/\n\n\nRichard Fry of the Pew Research Center: https://www.pewresearch.org/social-trends/2014/05/14/section-1-student-debt-and-overall-economic-well-being/\n\n\n\u2014\n\ufeffFollow Along\n- Listen to Money with Katie here: https://www.podpage.com/money-with-katie-show/\n- Read Money with Katie: https://moneywithkatie.com/\n\nFollow Money with Katie!\n- Instagram: https://www.instagram.com/moneywithkatie/\n- Twitter: https://twitter.com/moneywithkatie\n- TikTok: https://www.tiktok.com/@moneywithkatie\n\xa0\nSubscribe to Morning Brew\n- Sign up for free today: https://bit.ly/morningbrewyt\n\nFollow The Brew!\n- Instagram: https://www.instagram.com/morningbrew/\n- Twitter: https://twitter.com/MorningBrew\n- TikTok: https://www.tiktok.com/@morningbrew\nLearn more about your ad choices. Visit megaphone.fm/adchoices