Boomer budgeting tips collide with millennial money challenges in this candid conversation about debt, savings, housing costs, and the rise of gig-work income. Whether saving for a first home or paying off old credit cards, this episode bridges the generation gap with actionable insights for any age, complete with tried-and-true tactics Boomers still swear by, tech-savvy hacks Millennials can’t live without.
0:00 - Do Boomers Have It Easier? Debunking Generational Money Myths
3:10 - Why Millennials Lead Insolvency Filings & Credit-Card Debt
6:00 - “Credential Creep”: Rising Education Costs and Student Loans
9:00 - Buying a Home: 1980s Down Payment vs. 2020s Reality
13:00 - Starting Adulthood in Debt: How Timing Shapes Finances
16:00 - Shifting Attitudes: From Debt-Free Dreams to “Normal” Borrowing
18:00 - Gig Economy 101: Income Streams Boomers Never Faced
19:30 - Interest-Rate Shocks: Then (18%) vs. Now (Variable & Rising)
22:00 - 31 Flavours of Credit: BNPL, Lines of Credit, & More
25:00 - Boomer Money Rules That Still Work Today
28:00 - Reverse Mentorship: What Millennials Can Teach Boomers
Joe Debtor Study
https://hoyes.info/joe-debtor-study
Student Loan Debt Help Ontario
https://hoyes.info/student-loan-rules-ontario
Free Credit Rebuilding Course and learning resources
https://hoyes.info/credit-rebuilding-course-free
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