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# The Millennial Money Whisperer

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<!-- video src="https://cdn.jwplayer.com/manifests/RY9NNwJM.m3u8" -->
## Video: The Millennial Money Whisperer

[Watch (HLS stream): The Millennial Money Whisperer](https://cdn.jwplayer.com/manifests/RY9NNwJM.m3u8) (3:28)

![The Millennial Money Whisperer](https://cdn.jwplayer.com/v2/media/RY9NNwJM/poster.jpg?width=720)

_Published 2018-04-25. Money explains why a 72-year-old is the financial it-girl for millennials._


---

Jul 27, 2023 11:51 PM UTC

---

## More From This Series

[All Videos](https://time.com/video/)

[What Millennial Women Need to Know About Money](/video/lXN5b5cz/)

### What Millennial Women Need to Know About Money

[3 Things Millennials Need to Know About Money](/video/bDLe68ba/)

### 3 Things Millennials Need to Know About Money

[Millennial Money Myths: Saving](/video/BU0wOBwc/)

### Millennial Money Myths: Saving

---


## Transcript

[ MUSIC ] While Cardi- B may be the soundtrack for millennials making their money moves, this generation's financial guru has more in common with the golden girl, than the golden rapper. [ MUSIC ]. The seventy two year old co- author of nineteen ninety two bestseller, Your Money or Your Life sent Money Mag audiences a buzz this month at their unlikely cover girl. Vicky Robin has re- emerged as a celebrity of sorts thanks to an impassioned Reddit community centered around financial independence and early retirement. With more than 350, 000 subscribers from around the world, this mostly millennial movement is breaking financial norms and re- imaging their relationships with money all together.

Despite stereotypes, millennial money habits are just as good, if not better than other generations Approximately 1 in 6 have $ 100, 000 or more in savings. And almost half have $ 15, 000 or more in savings. Unsurprisingly Robin's words have found a new life amongst a post- recession generation where no one gets to work 40 years with a pension to show for it. So for this do it yourself generation that can learn anything on YouTube, they're blowing up the entire concept of a career retirement and starting from scratch. Robin's advice isn't about becoming rich. It's about figuring out how much enough for you.

This perspective could mean opting out of the traditional workforce decades earlier than expected or at the very least allowing for some major saving. This is like not rocket science. Basically it's easier to balance sheet and get in the present. You know how much do you have, how much do you owe? I mean money is simply something you trade your life energy for. It induces this desire to pay attention to the flow of money in your life. Not because your financial planner told you but because You're starting to value your life more than you're valuing money. So the next layer of financial independence is simply getting out of debt.

And then, sort of the bottom tier of it is you save enough money that you can invest and you can free up your time for what matters more to you In your job. And while millenials are saddled with debt due to the increasing cost of higher ed, they are still finding ways to save. Robin shares her top money saving tips. Inappropriate use of credit card is, the thing I see that gets people in the most trouble. We are not in a consumer society where we have to have people buy more than they need with money they don't have In order for industry to continue and so that's a problem. That's a problem, but it doesn't mean that you should have to participate.

Just think about saving up for things. Anything that you wanna buy, take a look at where you can get it for the best amount of money and very often most of the stuff I buy is used. I let somebody else take the sort of 50 % hit of buying it fresh off the rack and smelling like the department store. A resource shared is a price halved really. The goal is to support the greatest financial freedom and have people think critically about what they really want. Once investment income exceeds expenses, you're at the highly anticipated crossover point where folks have enough of a passive income to ensure their dreams are within reach.

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