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November 28, 2025 14 mins
Friendships don’t always end because of drama, sometimes, life just costs more than your budget can handle. In this episode, Patty & the crew talk about the uncomfortable reality of when one friend’s lifestyle becomes too expensive for the other to maintain. From pricey dinners to destination birthdays to a “soft life” that comes with a heavy bill, we’re asking: Can the friendship survive when the finances don’t match?
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Episode Transcript

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Speaker 1 (00:00):
Whether it's life, relationships, politics, or current events, nothing is
off limits. This is the Patty and the Millennials podcast,
powered by Independence Blue Cross, helping to bridge the gap
between baby boomers, gen X and millennials.

Speaker 2 (00:21):
We always have a great conversation. Welcome to Patty and
the Millennials. I'm Patty Jackson. I am a broadcast veteran
in Philadelphia and I've gathered the best voices from millennials
to Gen X, the gen y. I'm the baby boomer.
We have great conversation men and women. Toya and Dexter
are here, the trifecta in the building and it is

(00:44):
so good to have you guys here dealing with the
stress of life. A lot of young people on Toya,
We're going to start with you. A lot of friendships
are hanging on by a thread. And you know why
they're afraid to say, I don't have the money to
go hang out or to go to a happy hour

(01:07):
every week. I can't hang like you can because I
just don't have the money to blow.

Speaker 3 (01:16):
Your thoughts.

Speaker 4 (01:18):
I mean, times are tough right now. If these are
your real friends.

Speaker 5 (01:22):
Your real friends kind of understand your situation. They know,
so if you can't make it because of your finances,
especially in this day and age.

Speaker 4 (01:31):
Don't hide it because we're all going through it. But
if these people start to fall by the wayside because
you are trying to watch your spending, then baby, God
done did to work for you.

Speaker 5 (01:42):
You ain't got to worry about them. They're not your friends.
Be cause to me a real friendship to sign up.
I hate them friends where.

Speaker 4 (01:49):
Every time you go out it involves money.

Speaker 6 (01:51):
Like trick.

Speaker 7 (01:52):
Can we go for a little walk or something.

Speaker 8 (01:53):
Can we go for a little chat, a little daytime thing.
Let's go a little hike, a little something.

Speaker 4 (01:58):
Let's just sit in the house, have a glass of
wine and really, key, key and connect. You should not.

Speaker 5 (02:04):
Have to bake the break, bake, break the bank to
be able to spend that quality time with your friends.
So I say, in this season.

Speaker 4 (02:12):
If your friends is acting up on you.

Speaker 8 (02:13):
Take it as a gifts.

Speaker 9 (02:14):
They're no longer friends.

Speaker 4 (02:15):
Find you some good, real friends out there and save
you a coin.

Speaker 2 (02:18):
But we all know Toya the friend who comes up
short when it comes to pay the bill.

Speaker 5 (02:25):
Yeah, sorry, and I ain't never going out with you.

Speaker 4 (02:27):
Good economy or bad economy. Bye, We're done.

Speaker 3 (02:30):
Dexter, Martin Luther Dexter.

Speaker 8 (02:35):
So this this comes from this still from college from
me because like in college, we were all pretty much
in the same tax record. We were all pulling in
zero dollars and zero cents, and somehow we still managed
to pull our money together the crumbs that we had
to buy alcohol. Sorry mam, I use your money to

(02:55):
buy alcohol. So we would pull that money together and
we would buy alcohol and we just enjoyed it with
each other. I carry that into my adult life. I
like to go out with people who I know are
in the same not tax bracket, but like you know,
we kind of make them out about the same, like
we know where where each other's at. Like I know
that they can afford this, and I can afford it.

(03:16):
Not saying that I don't go out with people who
make less or more than me, but I could it.
I compartmentalize it. Like everybody can't go everywhere. There are
some situations where like some people just are not invited
because I know you don't have it, or you're not
inbody because you do too much.

Speaker 9 (03:32):
So like you just gotta you know, just set make
your friends out.

Speaker 8 (03:35):
Everybody can't go.

Speaker 3 (03:38):
Friendships and finances. Is it hard?

Speaker 2 (03:41):
A lot of young people are finding it very hard
to keep up with their friends because they don't have
it every week to go to the happy hour or
to go to brunch. The finances are not there, and
a lot of friendships are hanging on the string. Austin
Vanelle is here you representation millennials. How was it for you?

(04:03):
Is it difficult?

Speaker 10 (04:05):
I mean, listen, times are hard. Everybody is struggling right now.
I feel like a lot of young people around my age,
like millennials and gen z, they're always on TikTok and
Instagram and they see all these reels and videos of
all these flashy places, and there's these clubs and these
bars and restaurants, and you feel pressured to like do
that or else you feel like you're not actually like
living your life, which is not true. But if you

(04:27):
want to stay connected to your friends, it doesn't have
to be like a big elaborate plan. Just be like, hey,
I'm watching Dancing with the Stars. You want to come over,
or like let's have a game night. Like it doesn't
have to be anything elaborate, just something nice and easy
at home where you can just chill and relax.

Speaker 3 (04:44):
Fel guilty because they can't keep up.

Speaker 10 (04:47):
You shouldn't feel guilty. Everybody's on the same boat. Everybody
is struggling right now. If you feel like you're alone
in the struggle, just you're not. Don't feel alone.

Speaker 2 (04:58):
This is the podcast Conversation and Patty and the Millennials
gen Z.

Speaker 3 (05:02):
We got Rhys.

Speaker 2 (05:02):
Green in the building just out of school at Change
Joe's University. A recent survey came out about millennials and
it could be affecting you guys as well. How friendships
are changing if the finances don't add up, Like a
lot of people don't want admit I don't have the

(05:23):
money to go to the sip and dip or the
happy hour or the center city dips, or some people
just don't have the finances to go out like that
all the time to the brunches. Do you see where
friendships could change because of the finances.

Speaker 9 (05:45):
Yes, I've seen it myself, because you know, we get
to a certain age where we now have jobs and
we are getting money that people start to think, oh,
because of that, we could just go to Jamaica randomly
out of blom Like, No, that's not how that works.
But I've You don't only see people get upset of oh,
I'm done and getting this person because they never have
the money to go out. What does that have to

(06:06):
do with the friendship, especially if I expressed to you
that my funds is well shakey. Now, why are you
even thinking to put something like this? But yes, it
has to be a gen Z millennial thing. I couldn't
believe it that you call me your friend, but you're
mad at me because I don't have the money to
pay for something.

Speaker 2 (06:22):
Bedroom broadcaster Uncle O is joining us the podcast conversation
Patty and the Millennials.

Speaker 3 (06:28):
Oh, I have a question for you. Should friendships be based.

Speaker 2 (06:34):
On if you're in the same financial mode? And I
say this because there was there was millennials are complaining about, well,
the friendship changed because I don't have the money to
go to happy hour. I don't have the money go
to brunch every weekend.

Speaker 11 (06:52):
You simply just have to stop inviting people through events,
or or if you invite them, let them know, you know,
if you come, you gotta pay so that they know
in advance that they can't go to this event if
they can't afford it, or you know, just ask, just
ask people, yo, can you afford to be here? I

(07:13):
don't want to go anywhere, to be totally honest with
Bill splitters, because I end up paying too much. You know,
if I if I've only had wings and everybody else
ate steaks, then I got to pay for everybody else's
steak then er, No, I don't want to do that.

Speaker 3 (07:29):
Comedian magician Derek Lee is joining us.

Speaker 2 (07:33):
And the reason story came out about millennials and their
friendships are changing because their finances don't add up. Everybody
can't go to brunch every weekend, or go to the
happy hour or do this or do that, and friendships
are suffering. Your thoughts and do you think that you
should keep the friendships within the same financial range.

Speaker 12 (07:57):
Well, yes, but I appreciate shate the young millennials.

Speaker 7 (08:02):
That's fine.

Speaker 12 (08:03):
To save it's going to be very hard out here.
And I think it looks ridiculous for somebody to have
a six hundred dollars purse and they can't even put
six hundred dollars in the purse. So if you can't
hang out with certain people, that's fine. These millennials need
to realize things are changing and being African American, you
better get you a house, You better own a home.
You better tell these young brothers twenty one twenty two,

(08:24):
if they live with their mother and they move in
with their girlfriend, consider themselves still homeless because you still
ain't got nothing, because the woman will put you out
whenever you feel like it. So yeah, we need to
focus on your finances.

Speaker 8 (08:35):
We need to stop spending so.

Speaker 12 (08:37):
Much money on so many clothes and start saving more.
So if they don't want you hanging out with them
because they can't afford stake forty eight and all you
can afford is apple Bee's, that's fine. I've been to
State forty eight. I don't never see no Indians or
Asians in there. I just see a whole lot of
black people. They can't afford it.

Speaker 2 (08:54):
Friendships and finances should it change as your money changes.
This is the podcast conversation Patty and the Millennials, and
we've got author Kim Reid. Optimists Always when there was
an article about millennials having a hard time with friendships
because sometimes some didn't have it to go to happy

(09:15):
hour every weekend, brunch every weekend, the finances just weren't there,
which is changing friendships and relationships. Should your finances be
a factor in friendships.

Speaker 6 (09:30):
No, they shouldn't. Now. So I understand what you're saying
because I read I saw this. I think on the
news as well, they were talking about this, Patty. I
think that you don't choose your friends based upon finances.
You know, I know that I don't pay. I've choosed
my friendships based upon heart, based upon a whole host
of other characteristics. Right, you know, trust all of those things. However,

(09:54):
what's been happening is, you know, times are changing. People
are losing their jobs, government workers are going back. I
have some friends that are government workers. Some of them
still haven't been paid yet, hopefully this Friday that they
will be. And so there's just and just life. Right.
You go to the grocery store, you put two things
on the conveyor belt and she says fifty two dollars,

(10:16):
and you're like, what you know? So I understand that,
you know, times are differently changing, But as it relates
to friendships for me, when I know that I'm saving
for something, or i have something to do, or I've
got a lot of moving products right now, like I
still didn't rent my condo, you know, I've got stuff
going on right, But do I so do I go

(10:37):
with go out with my friends that we're not in
the same tax bracket. No, I don't, because you know,
I know the type of things that they're going to
be doing. Right, And so some of us too, people
have pride, right, they don't want to tell their friends, hey, listen,
I'm struggling right now, or can you you know, can
you get me on this? And I got you next time? Right?

(10:58):
It all depends on the dynamic of I think at
the end of the day, if you are real friends,
through the thick and the sin, everybody will ride with
each other whatever, whenever, whatever the storm, And that's what
type of friends. That's what type of friends you want.
Don't be ashamed if you if you're going through a

(11:19):
spell right now, financially things are not right, or life
is lifing, or whatever you have going on, maybe you're
saving for something, you're in school, whatever the case may be.
Don't let that change who you are and don't feel
insecure about that. And don't let social media be that
measuring stick of what wealth is because you will be

(11:42):
very disappointed and you will be sad that you held
yourself to an unrealistic standard. So Patty, as it relates
to my friends and you know us. I mean, listen,
we rock however, you know, but I know that that's
not reality for a lot of people. And that's unfortunate
because your friends should be there with you through the
sick and the sin.

Speaker 2 (12:06):
A recent story came out about millennials and how friendships
are changing because they may not be in the same
financial bracket as someone else. Everybody can't go to the
happy hour every weekend or go to brunch every weekend
because their finances don't add up, and they're finding that

(12:26):
their friendships with people are changing. Is it the whole
thing about trying to keep up with the Joneses most
Shane loren is here, Mo, Do you think.

Speaker 3 (12:38):
Friendships should just align with your financial bracket?

Speaker 7 (12:44):
No, let me just say this. I'm gonna correct you
on something you said.

Speaker 13 (12:47):
Millennials, Patty, this is happening with good and grown adults. Okay,
have you been watching the news and these housewives, the
Real Housewives of Potomac or really the real housewives?

Speaker 7 (12:59):
All these housewives and these people.

Speaker 13 (13:01):
Who are purporting to be something that they're not, Like,
they got all this money to wear, all this fancy
jewelry and purses.

Speaker 7 (13:09):
And all the things, and they're committing crimes to be.

Speaker 13 (13:12):
Able to keep up with the jones So I don't
think it's just the millennials.

Speaker 7 (13:16):
It is people overall who are living well beyond their means,
trying to act.

Speaker 13 (13:20):
Like they have more than they have when they don't.

Speaker 7 (13:23):
And I think that what you should your friend circle
should align with who you are authentically.

Speaker 13 (13:27):
If you look at my friend circle, girl, I got
friends that got millions of dollars, and I got friends
that ain't got two dollars who worried about their snap
benefits being cut off. Do you know what I'm saying, Like,
that's what makes the world go around to me is
when you live authentically.

Speaker 7 (13:41):
In your own truth and not try to keep up
with the Joneses, because this is it's.

Speaker 13 (13:47):
A facade, and at some point the facade of come
crashing down, and that's what's happening.

Speaker 7 (13:52):
I think millennials.

Speaker 13 (13:54):
Might be a little more I almost would have been
here to say that they might be a little more
authentic in who they are than the grown folks because
they're out there hustling, being entrepreneurs, understanding what it's like
to make their own money.

Speaker 7 (14:10):
Right, and they're able to buy nicer things because they're out.

Speaker 14 (14:13):
There hustling, not just working or relying on the nine
to five. And the older people who don't understand that
kind of hustle, who's still trying to keep up with
the Joneses, they're the ones I believe, and I can
be wrong, but they're in my opinion, they are the
ones who are trying to live a life that they
really can't underwrite financially.

Speaker 2 (14:35):
What a conversation and thanks so much for joining us,
Patty and the Millennials. Where the gen Y disease, the millennials,
baby boomers, gen X, all of us men, women, We
come together to have fascinating conversation.

Speaker 3 (14:49):
You can find us where podcasts Live.

Speaker 2 (14:52):
Thanks so much for joining us, Patty and the Millennials,
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