Personal finance – Coldstreams

Sat. Dec 6th, 2025

Business Demographics Economy Finance Gen Z/Generational issues Media Nation of Idiots Personal finance

Gen Z: In 2019, the average age of Gen Z was 14 years old

2025 December 3

This 2019 journalism'ish says Abercrombie was targeting Gen Z consumers with buy now, pay later ... who averaged 14 years old in 2019.

Demographics Doomerism Economy Finance Gen Z/Generational issues Personal finance

Update: 60-70% of consumers are “paycheck-to-paycheck” every year

2025 December 3

In 2025, per Fortune, 40% of those earning $500,000 or more per year are living paycheck-to-paycheck which points to a spending problem as we have supersized or upscaled our lifestyles.

Economy Personal finance

Economy: SNAP benefits program

2025 November 26

SNAP benefits were in the news during the Federal government shutdown. Here's some data on SNAP benefits in the various states.

Demographics Doomerism Economy Finance Gen Z/Generational issues Nation of Idiots Personal finance Stupidity

Social: X has become the Daily Doomer!

2025 November 25

"Expert" says 75-85% of US households live in poverty. This is what passes for expertise in 2025!

Demographics Economy Gen Z/Generational issues Personal finance

Personal finance: 30-year mortgage rates, since 1970

2025 November 24

Demographics Economy Gen Z/Generational issues Personal finance

Social Security: Less than 1 in 4 rely solely on Social Security

2025 November 21

A majority of Social Security recipients have a pension, retirement accounts, interest/dividend/rental income, and 1//3 have a working spouse.

Demographics Economy Gen Z/Generational issues Personal finance Public Health/Nutrition

Economy: The real reason people are falling behind on payments and debt? Living for the present?

2025 November 18

Post Covid there has been increase in "living for the present" as people realized they might be postponing experiences for a future that does not come.

Demographics Doomerism Economy Finance Gen Z/Generational issues Personal finance

Economy: Vox says Gen Z isn’t having the worst possible time in history

2025 November 18

Social media says Gen Z is screwed and they are going through the worst time in history. Vox, though, says this is not true.

Education Finance Personal finance

Personal finance: Perhaps this blog should focus on making wise economic choices?

2025 November 18

The past few days, I've encountered people making poor economic decisions - that seem obvious, but for whatever reason, they were not obvious to the individuals.

Automation Business Emerging Technology Finance Innovation Personal finance Software Software/Tech

Early spreadsheet and productivity software products

2025 November 10

Early spreadsheets and integrated productivity software suites. I created one of those on this list.

You missed

AI Automation Doomerism Economy Emerging Technology Gen Z/Generational issues

Gen Z: In 2019, the average age of Gen Z was 14 years old

Update: 60-70% of consumers are “paycheck-to-paycheck” every year

Economy: SNAP benefits program

Social: X has become the Daily Doomer!

Personal finance: 30-year mortgage rates, since 1970

Social Security: Less than 1 in 4 rely solely on Social Security

Economy: The real reason people are falling behind on payments and debt? Living for the present?

Economy: Vox says Gen Z isn’t having the worst possible time in history

Personal finance: Perhaps this blog should focus on making wise economic choices?

Early spreadsheet and productivity software products

You missed

AI, Economy: How many jobs lost due to AI?

Economy: Home ownership near all time highs

Health: The ACA architect’s prior failed health insurance program

Education: The NYC-based New School drastically cutting programs

Coldstreams

Category: Personal finance

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