The Millennial Legacy

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The Psychology of Spending: Behavioral Finance and Why Budgeting Feels So Personal

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Budgeting should be simple. Money in, money out, don’t spend more than you earn—right?

But for most people, it’s not that simple at all. You set a budget with the best intentions, only to blow it the next weekend. You feel guilty after buying something you don’t need, or worse—you justify it because “you deserve it.”

This isn’t a failure of discipline. It’s behavioral finance in action—the study of how our emotions, habits, and thought patterns influence financial decisions in ways that often defy logic.

Understanding the psychology of spending doesn’t just help you save more. It helps you make peace with the part of your brain that doesn’t always do what’s “best”—and build a system that works with your emotions, not against them.

Behavioral Finance 101: The Brain Behind the Budget

Behavioral finance is a field that blends psychology and economics. It explains why people don’t always act in their own financial best interest—even when they know what they should do.

Classic examples include:

  • Keeping a low-interest savings account while carrying high-interest credit card debt
  • Overspending on experiences to avoid FOMO
  • Avoiding your bank app when you already know you went over budget

One famous concept is mental accounting—the way we assign different values to money based on where it comes from. (Ever notice how easily you spend a tax refund vs. your paycheck?)

📊 A 2022 Morning Consult study found that 59% of U.S. adults have made purchases they later regretted, and more than half say their financial decisions are “at least somewhat emotional.”

In short: humans are emotional creatures. And when it comes to money, we don’t check our emotions at the door.

Why Spending Feels So Personal (and Emotional)

A Capital One and Decision Lab study found that 77% of Americans feel anxious about their financial situation, even among those earning $100,000 or more [https://www.capitalone.com/about/newsroom/americans-financial-wellness-report/].

One major driver? Emotional spending—using purchases to regulate mood, cope with stress, or create a sense of control.

📊 In 2023, Bankrate reported that 49% of Americans admitted to buying something to “feel better” in response to stress, sadness, or boredom [https://www.bankrate.com/banking/savings/impulse-buying-survey/].

Examples:

  • After a tough day, you order takeout instead of cooking
  • You buy a new outfit to feel more confident at an event
  • You “celebrate” payday with an online shopping spree

This is the psychology of spending in action. And it’s completely normal.

How Your Money Mindset Is Formed

Your money mindset is the mental framework you use to interpret what money means to you. It’s shaped by:

  • Childhood experiences
  • Your parents’ attitudes toward debt and saving
  • Cultural and generational influences
  • Life events, like job loss or financial windfalls
  • 📊 According to a 2023 Credit Karma survey, 69% of Americans say their financial habits are directly influenced by their parents, and nearly 1 in 3 Millennials say they were never taught how to budget.
  • This is why some people avoid checking their balance entirely—it’s not just disorganization, it’s emotional discomfort rooted in learned beliefs.

Common Traps in Our Spending Habits

Spending habits are often driven by deep behavioral patterns. Behavioral finance research has identified several traps:

🔹 The Pain of Paying

Paying with cash is more “painful” than paying with a card.
📊 In a well-known MIT study, people were willing to pay up to 100% more for the same product when using credit instead of cash.

🔹 Present Bias

We heavily discount the future and prioritize short-term gratification.
📊 The American Psychological Association notes that 80% of people say they know saving for the future is important—but only 50% are actively doing it.

🔹 Lifestyle Creep

As income increases, so does spending.
📊 A 2023 LendingClub study showed that 60% of Americans making over $100,000 still live paycheck to paycheck [https://www.lendingclub.com/company/press-releases].

These patterns aren’t personal flaws. They’re predictable human responses.

How Different Generations Experience the Psychology of Spending

While the core emotional drivers behind money behaviors are universal, the way we experience them often reflects the generation we belong to.

🔹 Baby Boomers (born ~1946–1964)

Boomers tend to value security and long-term financial stability, shaped by the post-war economy and the rise of employer pensions.
They’re less likely to use budgeting apps but may be more disciplined with savings. However, rising healthcare costs and supporting adult children can lead to late-life emotional spending or financial anxiety.

🔹 Gen X (born ~1965–1980)

Often called the “forgotten generation,” Gen Xers came of age during economic uncertainty and tend to be financially cautious—but carry high debt loads.
📊 According to Experian, Gen X carries the highest average credit card debt of any generation (~$8,134 in 2023).
They are particularly vulnerable to present bias—balancing college savings, retirement, and daily life expenses at once.

🔹 Millennials (born ~1981–1996)

Millennials came of age during the Great Recession and student loan crisis, which heavily shaped their money mindset.
📊 72% of Millennials say financial stress affects their mental health (CNBC + Acorns, 2023).
They’re highly digital but also more prone to emotional spending and lifestyle creep, driven by social media comparisons and a desire for experiences.

🔹 Gen Z (born ~1997–2012)

The youngest generation is incredibly financially aware—but not immune to impulse. They favor loud budgeting and transparency, often talking openly about money online.
📊 54% of Gen Zers report tracking their spending weekly, but 39% say they’ve made purchases they instantly regretted, often influenced by TikTok or influencer trends (Morning Consult, 2023).

How to Make Budgeting Feel Less Emotional

Budgeting often fails because it becomes a battlefield of shame and restriction. But what if it became a tool for financial mindfulness instead?

Here’s how to shift the script:

✅ Use Categories That Reflect Your Values

Instead of “Entertainment,” try “Things That Make Me Feel Alive.” Labeling expenses in a value-based way makes spending more intentional.

✅ Track First, Then Judge

Track your spending for a month without changing anything. Awareness is the first step—guilt comes second (and usually isn’t helpful).

✅ Make Room for Emotions

Don’t eliminate emotional spending. Plan for it. Allocate money toward “joy,” “comfort,” or “celebration” so that you can embrace your feelings without sabotaging your finances.

✅ Use the Right System

Choose a method that matches your personality. If you’re detail-oriented, try zero-based budgeting. If you prefer flexibility, the 50/30/20 rule offers structure without rigidity.

Final Thought: Rational Money Is Still Emotional

The biggest lie in personal finance is that money is just numbers. In reality, it’s identity. It’s power. It’s safety. It’s emotion.

“Your spending is a reflection of your inner world—not just your outer income.”

Behavioral finance helps explain why we behave the way we do—and how we can build habits that honor our emotions without being ruled by them.

So the next time your budget feels “off,” don’t just tweak the numbers. Look deeper. Ask yourself what you’re feeling—not just what you’re buying.

That’s not weakness. That’s self-awareness.

Why I Track Every Dollar—A Practical Approach to Money Management

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I don’t track my spending because I’m broke.
I track it because I’m deliberate.

At some point in my late 20s, after paying off a small mountain of student loans and getting my first “real” job, I stopped living paycheck to paycheck. And yet, something strange happened: I still had no idea where my money went. I’d check my bank account mid-month and think, “Did I really spend that much already?”

That’s when I started tracking every dollar—not just budgeting, but actively managing my money like it was a system to understand, not just survive.

This article isn’t about financial emergencies or scraping by. It’s about money management as a mindset—even when you’re “doing fine.”

The Psychological Case for Tracking Your Spending

Before we talk spreadsheets or apps, let’s talk about your brain.

A 2023 study from the National Endowment for Financial Education found that 65% of Americans say money is their top source of stress—more than work, health, or relationships. But here’s the twist: those who actively track their expenses report significantly lower stress levels, regardless of income.

This isn’t about how much you earn. It’s about how in control you feel.

“Tracking your spending isn’t about restriction—it’s about clarity,”says psychologist and financial behavior expert Dr. Brad Klontz. “Most financial anxiety comes from the unknown.”

When you track every dollar, that fog starts to lift. You begin to see where you overspend without guilt, where your values align (or don’t), and where a little change could free up a lot of room.

Where the Money Goes: Americans are Still Guessing

According to a 2023 Intuit Mint survey, 62% of U.S. adults admit they don’t know exactly how much they spent last month. Yet most believe they’re “good with money.”

The average U.S. household spends:

  • $7,000/year on food outside the home
  • $2,200/year on subscriptions (streaming, gyms, apps, etc.)
  • $5,500/year on transportation (gas, insurance, rideshares)

(Source: Bureau of Labor Statistics, Consumer Expenditure Survey)

These numbers might sound familiar—or shocking. But unless you’re tracking it, how would you really know?

The First Month I Tracked Every Dollar: What I Learned

Let’s be honest: tracking every transaction sounds tedious. I thought so too.

But here’s what I found after 30 days of writing down every cent:

  • I spent $130 on coffee—but only drank half of it
  • I was still being charged $24/month for a digital newspaper I didn’t read
  • My “miscellaneous” category—everything from takeout to last-minute gifts—was eating up 18% of my budget

I wasn’t broke. I just wasn’t paying attention.

Once I saw the pattern, I didn’t feel the need to cut everything—I just made better decisions. I kept the coffee (with joy), canceled the newspaper, and gave “misc” an actual limit.

Budgeting vs Tracking: What’s the Difference?

Many people confuse budgeting with tracking. They’re related—but not the same.

BudgetingTracking
Planning where money should goSeeing where money actually goes
Often monthly, forward-lookingDaily or weekly, backward-looking
Can be rigid or idealisticUsually reality-based and revealing

Tracking is the diagnostic tool. Budgeting is the treatment plan.

How I Track (Without Going Crazy)

There are endless ways to do this—apps, spreadsheets, journals. What matters is consistency, not complexity. Here are a few methods worth trying:

1. Spreadsheet Simplicity

A basic Excel or Google Sheets setup can work wonders.
Just four columns: Date, Category, Amount, Notes.

2. Budgeting Apps

Some top-rated tools for expense tracking and money management include:

  • YNAB (You Need A Budget) – great for zero-based budgeting
  • Tiller – syncs your spending into Google Sheets
  • Copilot – beautifully designed and AI-assisted
  • Monarch Money – built for households
  • Lunch Money – perfect for tech-savvy solo users

Most offer free trials. Find the one that feels natural.

3. The Notebook Method

Old school? Yes. But writing down what you spend with your hand makes it real. Even just for a week.

Budgeting Styles That Actually Work

If you’re tracking consistently, you’ll naturally start to budget more intentionally. Here are a few of the most effective methods:

🔹 Zero-Based Budgeting

Every dollar gets assigned a job—nothing left unallocated. It’s structured, but powerful.

🔹 50/30/20 Rule

Popularized by Sen. Elizabeth Warren:

  • 50% to needs
  • 30% to wants
  • 20% to savings or debt

Great for people who want structure without micromanaging.

🔹 Cash Stuffing (Envelope Method)

Yes, it’s made a comeback—especially among Gen Z. Physical cash is divided into categories. No envelope = no spending.

Each method has trade-offs. Try one. Tweak it. Make it yours.

The Rise of Loud Budgeting (and Why It Matters)

One of the biggest trends in 2024? Loud budgeting.

Popularized on TikTok, it’s the opposite of “treat culture.” Loud budgeting means saying things like:

  • “I’m skipping dinner out—I’m tracking my goals this month.”
  • “Not in my budget, but let’s find something else.”

It’s about normalizing financial boundaries, not pretending you’re endlessly available for $17 cocktails and group trips.

Loud budgeting makes it socially acceptable to care about your finances—out loud.

Why I Still Track, Even When Things Are Fine

These days, my finances are in better shape than ever. But I still track every dollar. Why?

  • Because I value clarity
  • Because I want to be aligned with how I spend
  • Because money, left unmanaged, tends to evaporate

Most importantly, I track because I want my spending to reflect my priorities—not my impulses.

“Money management is less about control and more about awareness. It’s not about deprivation. It’s about direction.”

Final Thought: You Don’t Need a Crisis to Be Intentional

There’s a myth that only broke people budget. Or that tracking is for people in “fix-it” mode.

But what if it’s just… wise?

You don’t wait until your car is falling apart to check the oil. You don’t wait until you’re injured to start exercising. So why wait until money is tight to understand where it’s going?

Start small. Track for a week. Then two. Then a month. You might be surprised—not by how much you’re spending, but by how much better you feel once you know.

That’s not about control. That’s about peace of mind.

Average Retirement Savings by Age: Are You on Track at 30, 40, or 50?

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Why These Numbers Stress People Out

“How much to save for retirement?” This is a question most people don’t ask out loud—but think about all the time. You might see a headline claiming you need six figures saved by your 30s and wonder if you’re hopelessly behind. Or maybe you’re doing okay, but you’re still unsure if it’s enough.

According to the Federal Reserve’s 2023 Survey of Consumer Finances, nearly 1 in 4 U.S. adults have no retirement savings at all. For Americans between 35 and 44, the average retirement savings by age is about $60,000—a number that might feel encouraging or terrifying, depending on your own situation.

But numbers without context don’t help much. This guide unpacks the most widely accepted savings benchmarks, explains how everyday people are actually doing, and offers real, actionable steps—whether you’re ahead, behind, or just getting started.

Why Do These Benchmarks Exist in the First Place?

The idea of having a certain amount set aside by a certain age isn’t new—it comes from the financial planning industry, where firms like Fidelity, Vanguard, and others aim to provide simple goals to help individuals gauge progress.

They’re based on some core assumptions:

  • You’ll retire around age 65–67
  • You’ll want to replace about 70–80% of your pre-retirement income
  • You’ll live until your mid-80s or beyond
  • Your investments will grow by 5–7% annually, adjusted for inflation

These assumptions lead to the common advice that your retirement savings plan should be structured around certain income multiples at key age milestones.

The Most Commonly Cited Retirement Benchmarks by Age

AgeRecommended Savings Target
301x your annual salary
403x your salary
506x your salary
608–10x your salary

Example:
If you make $60,000/year. Your recommended savings target is:

  • By 30: $60,000
  • By 40: $180,000
  • By 50: $360,000
  • By 60: $480,000 to $600,000

On paper, these numbers make sense—especially when thinking about the power of compound interest over time. But in practice, not everyone has the stability, income, or early start to hit those targets.

What the Average American Has Saved (And Why It’s Less Than You Think)

Here’s a look at the average retirement savings by age, using the latest available data:

Age RangeMedian Savings (Households)
25–34$18,880
35–44$60,000
45–54$100,000
55–64$134,000

(Sources: Federal Reserve; Transamerica Institute)

Keep in mind: these are median numbers, meaning half of people have less than this. It’s far below the benchmarks from financial institutions. But this doesn’t mean people are lazy or irresponsible.

The gap exists for many reasons:

  • Stagnant wage growth over the past two decades
  • Student loan debt delaying saving for retirement
  • Rising housing and healthcare costs
  • Job instability, gig work, and caregiving duties

In fact, 27% of Americans over age 45 now expect to either work past 70 or never fully retire. Not because they want to—but because the systems built for previous generations don’t align with today’s economic reality.

Why It’s Okay If You’re “Behind” the Average Retirement Savings for Your Age

Let’s be clear: falling short of these benchmarks doesn’t mean you’ve failed. Many people make up ground later in life, especially as expenses like childcare and rent decrease, or income increases with experience.

Plus, most retirement calculators and plans don’t account for:

  • Spouses or partners with income
  • Pensions, inheritances, or other assets
  • Changes in retirement age or lifestyle expectations

In other words, a retirement savings plan should be tailored—not templated. If you’re saving steadily now, that consistency will matter far more than whether you hit a target by your 35th birthday.

What To Do If You’re Feeling Behind

It’s never too late to start. And it’s never too early to adjust. Whether you’re 32 or 52, the same principles apply: focus on small wins, automate progress, and let time work in your favor.

1. Define What Retirement Means to You

Does it mean fully stopping work at 65? Working part-time until 70? Moving somewhere cheaper? You can’t figure out how much to save for retirement if you don’t know what you’re saving toward.

2. Use Simple Tools to Estimate Your Gap

A calculator from Vanguard, Empower, or NerdWallet can give you a clear (and quick) picture. This step alone removes a lot of the guesswork from saving for retirement.

3. Automate Your Contributions

One of the most effective ways to start or scale up is to automate. If you’re wondering how to save for retirement, start by removing the decision fatigue: let it happen in the background.

4. Start Small—and Then Grow

A $100 monthly contribution may not feel like much, but with compounding, it grows significantly over time. As you earn more, aim to increase your contributions by 1–2% annually. That slow ramp-up can double your results over a decade.

5. Take Advantage of Employer Matching

It’s shocking how many people leave this on the table. If your employer offers a match on a 401(k), always try to contribute at least enough to get the full benefit. It’s free money toward your future.

Beyond Retirement: Building a Bigger Financial Picture

A healthy retirement savings plan is just one part of your financial life. You might also be:

  • Paying off student loans
  • Raising kids
  • Starting a business
  • Supporting family
  • Saving for a home

None of these goals exist in isolation—and sometimes saving for the future takes a back seat to urgent needs today. That’s okay. The goal is to stay aware and intentional. Even when you’re not saving as much as you’d like, the habit of checking in regularly builds lifelong financial resilience.

Final Thoughts: Progress Over Perfection

When you Google “how much to save for retirement,” you’ll get articles filled with numbers, acronyms, and panic-inducing charts. But here’s the truth: no number defines your worth, and no missed target means you’re too far gone.

“Benchmarks are helpful—but they don’t know your story. The best savings plan is one you can actually stick to.”

Whether you’re just getting started, catching up, or cruising steadily ahead, your path is still valid. Stay consistent. Stay informed. And most of all—stay kind to yourself.

Millennials FAQ: Frequently Asked Questions about The Millennial Generation

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Who are the Millennials?

Millennials, also known as Generation Y, are individuals born roughly between 1981 and 1996.

What is a Millennial?

It is a person born between 1981 and 1996.

Why are Millennials called that?

They are called that because they came of age at the turn of the millennium, around the year 2000. The term refers to their coming-of-age years coinciding with the transition to the new millennium.

What is a Millennial vs Gen Y?

Millennials are often referred to as Gen Y. The terms are interchangeable, both describing the generation born roughly between 1981 and 1996. Gen Y comes after Gen X and before Gen Z.

What is the Millennial generation birth years range?

The birth years for the this generation typically range from 1981 to 1996, although some definitions may slightly vary depending on the source.

What is the age range for Millennials in 2025?

As of 2025, they are between the ages of 29 and 44.

How old is the youngest Millennial in 2025?

In 2025, the youngest Millennial will be 29 years old, as they were born in 1996, which is the last year of this generation.

How old is the oldest Millennial in 2025?

​In 2025, the oldest Millennials, born in 1981, will be 44 years old. ​

What generation comes before Millennials?

The generation before Millennials is Generation X, which includes individuals born between 1965 and 1980.

What generation comes after Millennials?

The generation that comes after Millennials is Generation Z (Gen Z). This generation generally includes individuals born between 1997 and the early 2010s.

Is someone born in 1987 a millennial or Gen Z?

If you were born in 1987, you are part of the Millennial generation.

Is someone born in 1996 a Millennial?

Yes, individuals born in 1996 are considered Millennials.

What are Millennials known for?

They are known for their technological fluency, progressive values, and focus on work-life balance. They prioritize experiences over material goods and are often seen as socially conscious, seeking to make a positive impact on the world.

What are the Characteristics of Millennials?

They are often described as tech-savvy, diverse, and highly educated. They tend to value experiences over material possessions and prioritize work-life balance. They are known for their creativity, adaptability, and desire for meaningful work.

Am I Gen Z or Millennial?

If you were born between 1997 and the early 2010s, you are part of Gen Z. If you were born between 1981 and 1996, you are a Millennial.

Am I a Millennial or Gen X?

If you were born between 1965 and 1980, you’re part of Generation X. If you were born between 1981 and 1996, you’re a Millennial.

10 Awesome Gifts for Millennials – Grown-Up, But Still Young at Heart

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Ah, millennials. The generation that came of age in the 2000s, survived the financial crisis, and witnessed the evolution of technology—from flip phones to smart devices that now run our lives. They’re tech-savvy, a little nostalgic for the good old days of dial-up internet (especially the geriatric millennial), and love to tweet, stream, and make TikToks about their pet fish. So, what do you get them for a gift that’s not another avocado toast-themed mug? Whether it’s for a birthday, the holidays, or just because you’re tired of hearing them complain about the cost of their student loans, here are 10 gift ideas that will hit the mark.

1. A Smart Home Assistant (That Actually Works)

Remember when millennials thought having a “smart home” meant a Roomba vacuuming your living room while you played on your Nintendo Switch? Well, those days are over. Enter the world of Alexa, Google Nest, and Apple HomePod—smart home assistants that do everything from ordering pizza to controlling the thermostat without requiring an IT degree.

Gift a smart assistant to your millennial friend or family member who still hasn’t figured out how to turn off the kitchen light. The only downside? It might start asking, “What’s the weather like today?” every five minutes, but at least it’s doing the heavy lifting. And if you want to get extra fancy, grab them some smart lights or a smart thermostat to complete the “I’m living in the future” vibe.

2. A Plant They Won’t Kill (Hopefully)

Millennials love plants—like, really love them. They love posting pics of their monstera plants on Instagram, captioning them with hashtags like #PlantParenthood, #BotanicalBabes, and #PlantGoals. But let’s be real, some of them are still struggling to keep their aloe vera alive after two weeks of neglect.

This is where self-watering plants come in. Choose a low-maintenance plant (like a snake plant or pothos) that requires minimal effort. If your recipient can keep this one alive, maybe they’re ready for a dog? But no promises. You can also gift a quirky plant subscription box that delivers new plants right to their door each month, because who doesn’t want a fresh new plant to forget about in their living room?

3. An Online Course for That Side Hustle

Every millennial knows the side hustle life. Whether it’s selling homemade candles on Etsy, freelancing as a graphic designer, or trying to make money by reviewing tech gadgets on YouTube, millennials are huge fans of the gig economy and are always looking for the next gig. A thoughtful gift would be an online course that helps them level up their hustle.

From photography workshops on Skillshare to business strategy courses on MasterClass, there’s no shortage of learning opportunities. Bonus points if you gift them a course that matches their weird niche interest, like underwater basket weaving or how to optimize a TikTok bio. They’ll thank you when they’re rolling in the dough from their latest venture.

4. A Memory Jar (For All Their Old-Fashioned Feelings)

Sure, millennials are all about the latest tech and gadgets, but they’re also a little nostalgic, often reflecting on simpler times. A memory jar is a fun, low-tech gift that taps into their sentimental side.

Get them a cute jar (or even a mason jar, because we know millennials love a good DIY project) and a pack of colorful pens. The idea? They can write down happy memories, funny moments, or things they’re grateful for throughout the year and open them when they need a pick-me-up. Bonus points if they share these memories on Instagram stories, because let’s face it, they’re probably going to.

5. A Sustainable Water Bottle (That’s Actually Cool)

Millennials care about the planet—just ask them about climate change, and they’ll talk your ear off for hours. One way to help them reduce their carbon footprint (and stay hydrated in the process) is by gifting a sustainable water bottle.

Gone are the days of flimsy plastic bottles—they’re now all about sleek, reusable ones. Whether it’s a Hydro Flask, S’well bottle, or even a Customizable Yeti, there’s something for every personality. And don’t forget to include a quirky bottle sleeve with a fun slogan like “This bottle will outlast your last relationship” or “Hydrated, but still emotionally unavailable.”

6. A Retro-Inspired Record Player

Some millennials are feeling a little nostalgic for their high school days when vinyl records were the coolest way to listen to music (before Spotify and Apple Music took over). Enter the retro-inspired record player—perfect for adding a touch of vintage flair to any millennial’s home.

They can spin some classic vinyl (or just pretend to, because let’s be real, it’s more about the aesthetics than the sound quality). Throw in a couple of records from their favorite artists, and you’ve got yourself the perfect gift. It’s also a great excuse for them to post an artsy picture of their record collection on Instagram, because, you know, millennials.

7. A Customizable Neon Sign

Want to give a gift that screams “I’m a millennial, but I have style”? A customizable neon sign is the way to go. Whether it’s their favorite quote, their name, or even just a funky shape like a cactus or a flamingo, a neon sign will instantly make their space feel more like them.

Plus, it’s the perfect addition to their TikTok or Instagram videos. Imagine the aesthetic possibilities—it’s like a living room makeover, but better.

8. A “One Line a Day” Journal

Millennials love to reflect and share their thoughts, but sometimes they don’t have the time for a full-blown diary. Enter the One Line a Day Journal, the perfect gift for the overworked millennial who still wants to keep track of their feelings (without committing to pages of writing).

This journal offers a quick prompt for every day of the year—just a single line to sum up their day. By the end of the year, they’ll have a cute little book full of memories, reflections, and probably a ton of complaints about work. It’s a thoughtful and easy way to encourage a little self-care in a busy life.

9. An Instant Polaroid Camera

Who needs digital photos when you can instantly print your memories? Millennials are all about that vintage aesthetic, which is why an instant Polaroid camera is the perfect gift. They can take quirky, candid photos with their friends (or just their dog) and stick them on their fridge or plaster them all over their social media accounts.

It’s fun, it’s retro, and it doesn’t require them to scroll through their camera roll for hours trying to find that one pic they posted five years ago. Instant gratification? Yes, please.

10. A “Mindful Morning” Kit

Finally, give the gift of peace and zen in a chaotic world. Create a personalized “Mindful Morning” kit with everything they need to start their day right. Think a cozy robe, a calming candle, a luxurious tea blend, and maybe even a journal for a quick morning reflection.

Throw in a motivational quote or two (because who doesn’t love a good #MondayMotivation?) and you’ve got yourself the perfect gift for a millennial who needs a little self-care before diving into another day of hustle.

So, there you have it—10 gift ideas that are millennial-approved and will probably make them want to send you a thank-you note via Instagram DM. Whether you go techy, sentimental, or a little quirky, these gifts will help you win the title of Best Gift Giver. Now go forth, my friend, and make a millennial’s day!

Geriatric Millennial? Apparently That’s a Thing – And There Are More Millennial Surprises

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Ah, Millennials – that magical generation born between 1981 and 1996 who get a bad rap for being lazy, avocado-obsessed, and addicted to their phones. But guess what? They’re not all the same! In fact, Millennials come in all shapes, sizes, and life stages, and it’s time we break down the different types of Millennials that exist in this beautiful, digital-driven world. Strap in, grab your avocado toast, and let’s dive into the four types of Millennials: the “Geriatric Millennials,” the “Great Recession Millennials,” the “Peak Millennials,” and the “Cusper Millennials.”

The Geriatric Millennial (1981 to 1984)

“We remember the dial-up internet days and like it that way.”

First off, let’s talk about the “Geriatric Millennials.” No, they’re not literally ancient – but they do remember a time when the internet was a luxury and not a basic human right. These are the Millennials who were born between 1981 and 1984, and they’re often the forgotten middle child of the Millennial group. You know, they’re not quite Gen X, but not entirely the full digital natives either.

Geriatric Millennials had to earn their internet privileges. Remember the good ol’ days of dial-up internet, where you’d hear that iconic screeching sound and, if you were lucky, you could check your email… after waiting for 20 minutes? Yeah, that was their reality.

They also remember playing outside, riding bikes, and the thrill of getting their first mobile phone – a big, chunky Nokia (no, not an iPhone). These folks straddle the line between the pre-internet world and the fully digital one, so while they might not be completely tech-averse, they also aren’t about to spend their entire day scrolling through TikTok like some of their younger Millennial counterparts. You can probably catch them on Facebook (yes, it’s still a thing for them) but they may just still prefer the feel of a paper book over an e-reader.

In short: Geriatric Millennials are the group that remembers what life was like before the internet took over, but they’ve adapted quite well to the new world. They’re the “in-betweeners” who know how to live offline, but also wouldn’t mind skipping the dial-up nostalgia.

The Great Recession Millennial (1985 to 1989)

“We entered the workforce during a global financial meltdown. Nothing like a little economic chaos to shape your worldview!”

Next up, we’ve got the Great Recession Millennials, born between 1985 and 1989. Now, these guys and gals didn’t just live through the 2008 financial crash—they came of age during it. If anyone understands the phrase “welcome to the real world,” it’s the Great Recession Millennials. They entered adulthood right when the job market was in the toilet, student loans were skyrocketing, and “getting a decent job” was basically like finding a unicorn.

While other Millennials may have had some hope for financial stability, the Great Recession Millennials learned quickly that adulthood is really just a series of low-paying jobs, overpriced avocado toast, and trying to avoid being buried under credit card debt. They were the ones who put off buying houses, delayed starting families, and spent their 20s scraping by – but hey, at least they could finally get a decent Wi-Fi connection.

A defining trait of the Great Recession Millennials? Financial caution. Unlike some of their younger counterparts who came into a booming economy, this group is much more likely to prioritize saving money, seeking stability, and questioning whether a daily $5 coffee is truly necessary (even though they secretly still buy one every day).

In short: The Great Recession Millennials are the hard-working, pragmatic bunch who may be financially cautious, but hey—they’ve learned to hustle and make do with what they’ve got. If you’re wondering where all the coupon clippers went, you’ve found them right here.

The Peak Millennial (1990 to 1993)

“We were raised on the internet, but we also remember a world without smartphones. It’s the best of both worlds!”

Ah, the Peak Millennials – born between 1990 and 1993, this group is often considered the “prime” Millennial generation. They’re the ones who got to experience the rise of the internet, but also remember a time when you had to actually talk to people face-to-face (shocking, I know). These folks were young enough to catch the tail end of pre-digital life but old enough to jump straight into the social media revolution when it kicked off in the early 2000s.

Peak Millennials were the first to really embrace social media platforms like Facebook and MySpace (yes, MySpace was a thing, don’t fight it), and they were part of the wave that saw the birth of the smartphone. They were the last group to use flip phones and the first to have real touchscreens. This generation knows the joy of having a solid, pre-smartphone childhood, but they also know the allure of sending endless selfies on Instagram, snapping TikToks, and posting updates on Twitter.

They’re the ones who shaped digital culture and watched the world change in real-time, from the rise of YouTube influencers to the explosion of meme culture. They’re also probably still the most active on Facebook, ironically, but that’s just a product of their loyalty to platforms that were once cool.

In short: Peak Millennials are the perfect balance of old-school and new-school. They know how to survive a weekend without Wi-Fi but also understand the power of a perfectly curated Instagram feed. They’re like the cool older siblings of social media.

The Cusper Millennial (1994 to 1996)

“We grew up with smartphones, but we don’t totally get the Gen Z vibe. We’re in between, and we like it that way!”

Finally, we have the Cusper Millennials. Born between 1994 and 1996, these Millennials are often referred to as being on the cusp of Gen Z. They’re the ones who got to experience the first wave of social media, but they didn’t grow up with it in the same way that Gen Z did. Cusper Millennials still remember a time when social media wasn’t completely ubiquitous (remember the Facebook invite to your birthday party days?) but were also fully plugged into the digital age by their teen years.

Unlike their older Millennial siblings, the Cusper group was often seen as “young enough” to fit in with Gen Z but just “old enough” to feel like they’ve had some Millennial experiences. They don’t feel fully like Millennials, but they don’t feel like Gen Z either. This identity crisis gives them a unique perspective on how technology has shaped their lives. They still enjoy a good Facebook scroll but also know the superiority of TikTok dances.

In short: Cusper Millennials are the digital bridge. They’re not quite Gen Z, but they’re not entirely Millennials either. They get to enjoy the perks of both worlds, but they’re stuck in that awkward “too old for TikTok, too young for Facebook” situation. But don’t worry—there’s no crisis here. They’re thriving.

As you can see, Millennials are far from being a monolith. Whether you’re a Geriatric Millennial, a Great Recession Millennial, a Peak Millennial, or a Cusper Millennial, each type has unique experiences and outlooks shaped by the world they grew up in. So, which one are you?

Millennials and Quiet Vacationing: The New Way to “Take a Break” Without Taking a Break

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Ah, millennials—the generation that witnessed the rise of the internet, made avocado toast a cultural staple, and, apparently, pioneered a new way to take a vacation. Gone are the days when a “vacation” meant packing your bags, booking flights, and getting away from work for a week or two. Now, we have “quiet vacationing,” the latest trend among millennials who want the relaxation of a holiday without having to deal with the actual “vacation” part. It’s work, but not as we know it—and it’s changing the way we think about time off.

But before you start picturing millennials lounging on a beach with a laptop, trying to write that email while sipping a coconut drink, let’s break down what quiet vacationing really is, why millennials are into it, and whether or not it’s a sustainable trend.

Quiet Vacationing: Not Just for Millennials

Now, while millennials may have been the pioneers of this trend, the practice of quiet vacationing isn’t limited to them. It’s actually a growing movement that spans several generations, especially as remote work and flexible schedules have become more mainstream. Workers across age groups are increasingly choosing to blend vacation time with work time, seeking peace and relaxation without fully disconnecting from their professional responsibilities.

Quiet vacationing is essentially when workers take a break from the usual grind but still manage to handle some work duties in a more relaxed, remote setting. This could mean booking a serene retreat, a cozy cabin, or a secluded beach destination where you can work on your laptop for a few hours, but the rest of the time is spent recharging. It’s a flexible, hybrid approach to time off that lets you enjoy a vacation-like atmosphere without fully stepping away from work.

As Generation Z, Generation X, and even Baby Boomers adopt remote work practices, the trend of quiet vacationing has become more accessible to a wider group of people. These workers no longer need to fully disconnect from their jobs to get some time away; they can blend work and relaxation into one seamless experience.

However, millennials have embraced this trend more than most, and here’s why it’s closely associated with them.

Why Quiet Vacationing is Closely Associated with Millennials

Remote Work Culture: Millennials were among the first to champion remote work. They came of age during the rise of the internet and digital tools that made it easier to work from anywhere. While younger generations like Gen Z are also tech-savvy and drawn to this lifestyle, millennials were the ones who first pushed for flexible work arrangements, freelancing, the gig economy and side hustles. After the pandemic shifted many work environments to remote, millennials were quick to incorporate quiet vacationing into their lifestyle, blending the need for rest with their drive for productivity.

Work-Life Balance: Millennials are known for valuing a healthy work-life balance more than previous generations. For them, work isn’t just about earning a paycheck; it’s about integrating personal fulfillment and well-being. Quiet vacationing allows millennials to combine the best of both worlds: they can unwind in a peaceful destination, practice self-care, and still get some work done, all without feeling the pressure of traditional office hours or the anxiety of asking for time off.

Reluctance to Ask for PTO: Millennials often feel uncomfortable requesting paid time off (PTO). Why? It’s a generational thing—many millennials grew up during the 2008 financial crisis, when job security was a big concern, and the pressure to constantly hustle was ingrained in their professional identity. In a world where they already juggle work, side projects, and personal commitments, the idea of taking time off can feel like a risk. Quiet vacationing offers a workaround: they get the time away they need without explicitly asking for time off, avoiding any potential negative perceptions about their work ethic.

Digital Connectivity: The internet revolutionized work for millennials. They are the first generation to truly embrace the gig economy, remote work, and freelancing, where digital tools allow for flexibility and constant connectivity. This makes it easier for them to hop on a video call or shoot off an email while lounging on the beach or hiking in the mountains. For millennials, working remotely from a peaceful retreat is an ideal way to stay productive while still carving out time for personal enjoyment.

Why Other Generations Are Joining the Trend

While millennials may have spearheaded the quiet vacationing movement, it’s not just them who are benefiting from it. Gen Z, Gen X, and even Baby Boomers are starting to embrace the idea of blending work and relaxation as remote work becomes more accessible.

Generation Z: The younger generation has grown up with technology and social media, and they’re more comfortable with the idea of working remotely. Many Gen Z workers are already freelancing or working from home, so the idea of combining work with a vacation is appealing to them as well. They may take this trend even further by spending their time traveling while still earning an income.

Generation X: For Gen X, the appeal of quiet vacationing often lies in their growing desire for work-life balance as they juggle the pressures of mid-career responsibilities and family life. Many Gen Xers are in leadership roles where they have more control over their work schedules, making it easier for them to take remote vacations without the need for formal PTO requests.

Baby Boomers: While less likely to adopt quiet vacationing at the same rate as younger generations, some Baby Boomers are still finding ways to work remotely or enjoy flexible retirement schedules. As they transition into semi-retirement, many are discovering the benefits of a slower-paced lifestyle and may use quiet vacationing as a way to recharge while still handling light work duties.

The Employer’s Perspective on Quiet Vacationing

From an employer’s standpoint, quiet vacationing can be a double-edged sword. Some employers embrace the flexibility of remote work and recognize that allowing workers to blend productivity with rest can boost morale. This flexibility can lead to higher job satisfaction, lower stress, and ultimately better performance.

However, not all employers are comfortable with the lack of transparency. Accountability can become a concern, as employers may be unsure how much work is actually being done when employees are away. Additionally, some employers worry that work-life boundaries could blur, leading to burnout if employees don’t truly disconnect.

Are Employers Always Aware?

Employers aren’t always aware of when an employee is quietly vacationing. Many workers are discreet about blending work and leisure, responding to emails or attending meetings while away. However, as remote work becomes more common, employers may start to notice patterns and questions may arise. Some companies are already embracing more transparent policies, offering flexibility while ensuring that employees are upfront about their schedules.

Is Quiet Vacationing Sustainable?

You may be wondering: Is quiet vacationing sustainable in the long run? After all, it’s easy to imagine working remotely from a tropical destination for a week or two, but can it be a viable long-term solution?

Experts have mixed opinions on this. On one hand, quiet vacationing allows workers to maintain productivity while taking time for themselves. It’s especially beneficial for people who crave balance and don’t want to be tied to a rigid work schedule. However, it’s important to be cautious about slipping into the trap of never fully unplugging. The whole point of a vacation is to recharge, and if you’re constantly checking emails or hopping onto Zoom calls, you might not be getting the rest you need.

To make quiet vacationing sustainable, experts recommend setting clear boundaries. Work for a couple of hours in the morning, take your meetings, and then spend the rest of the day enjoying the tranquility of your surroundings. Don’t let your vacation become just another extension of your workday.

Should You Try Quiet Vacationing?

If you’re a remote worker—or just someone with a flexible job—quiet vacationing might be the perfect way to take a break without falling behind on your responsibilities. It’s a chance to enjoy a change of scenery, decompress, and still manage your work duties without the pressure of taking time off.

However, if you do decide to give quiet vacationing a try, transparency with your employer is key. Be open about your plans and establish clear expectations with your boss about your availability and work commitments. Clear communication ensures that you’re on the same page, avoiding potential misunderstandings about your productivity or availability during your time away.

Whether you’re a millennial embracing the trend or someone from another generation looking to work while you unwind, quiet vacationing is here to stay. It’s about finding that perfect balance between work and relaxation, so long as everyone involved is informed and aligned on expectations.

Talk the Talk: A Guide to Millennial Slang Words and Phrases

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If you were born between the early ‘80s and mid-‘90s, congratulations—you might be a millennial. And if you’ve ever uttered the words “Can’t even,” or “That’s so extra,” you’re definitely fluent in a language that once ruled Tumblr, Facebook, and the golden age of memes. Millennial slang phrases and words were born at the intersection of dial-up internet and the dawn of the smartphone, raised on AIM (AOL Instant Messenger) away messages and nurtured by Vine, BuzzFeed quizzes, and binge-worthy Netflix shows.

While Gen Z may have taken the social media mic today, millennials walked so Gen Zs could run. So whether you’re here for a trip down memory lane or just want to know what we were saying before TikTok became a thing, here’s your ultimate list of millennial slang that still has us feeling some type of way.

The Most Popular Slang Phrases Millennials Use

  1. Adulting – Pretending you’ve got it all together. Like paying rent. Or doing laundry.
  2. Basic – Someone who’s painfully predictable (Pumpkin Spice Latte, anyone?).
  3. FOMO – Fear of missing out on all the fun while you sit at home in your PJs.
  4. YOLO – You Only Live Once (aka the battle cry for every impulsive decision).
  5. Ghosting – Disappearing from someone’s life without explanation. Boo.
  6. On fleek – Perfectly styled or executed. Usually eyebrows.
  7. Bae – Before anyone else. Or just… anyone you’re into.
  8. Bye Felicia – A sassier way to say “get lost,” made iconic by the movie Friday.
  9. Lit – Amazing, exciting, popping off (mostly parties, sometimes brunch).
  10. Slay – To absolutely kill it, especially in a fierce outfit or bold move.
  11. Totes – Short for totally. Bonus: “totes adorbs.”
  12. Humblebrag – Bragging… but with fake modesty.
  13. Squad – Your tight-knit group of friends. Think Taylor Swift circa 2014.
  14. Throw shade – Subtly (or not so subtly) insulting someone.
  15. Thirsty – Desperate for attention (or affection).
  16. Can’t even – Complete emotional overload. Usually means you literally can’t function.
  17. Turnt – Wild, hyped up, usually with the help of alcohol or loud music.
  18. Zero chill – Lacking any ounce of subtlety or calm.
  19. I’m dead – Something’s so funny, you’ve metaphorically died laughing.
  20. AF – As f***. Used for emphasis (e.g., “Hungry AF”).
  21. No chill – When someone is being dramatic or extra. See also: zero chill.
  22. Extra – Over the top in a way that is not at all necessary.
  23. Side hustle – Your freelance gig, Etsy shop, or ride-share route to supplement your income.
  24. Shook – Shocked, amazed, or emotionally rattled.
  25. Woke – Originally meaning socially aware, now occasionally used sarcastically.
  26. #Blessed – Used to express gratitude or mock how often others express gratitude.
  27. Low-key / High-key – Quietly into something vs. very obviously into something.
  28. Throwback / TBT – A nostalgic nod to the past, usually shared on a Thursday.
  29. Cray / Cray-cray – Crazy, but with more drama.
  30. Hangry – So hungry you’re angry.
  31. Feels – Deep emotions. Usually triggered by music, movies, or old Facebook albums.
  32. Savage – Someone who says or does something brutally honest.
  33. Clapback – A quick, witty comeback (and usually brutal).
  34. Deadass – Seriously. No joke. For real.
  35. Mood – A vibe, a whole mood, a general statement of relatability.
  36. Netflix and chill – Not just watching Netflix. You know what it means.
  37. Adult beverage – A classy way to say “I need a drink.”
  38. All the things – Everything you want or need at once. (e.g., “Give me coffee, a nap, and a puppy. All the things.”).
  39. Obvi – Short for “obviously.” Used when something is a no-brainer.
  40. Ugh, same – A highly relatable response that means “I feel that on a spiritual level.”

Millennial slang wasn’t just a phase—it was a whole cultural vibe. These phrases weren’t just words; they were survival tools in the wild world of dating apps, group chats, and mid-2000s pop culture. While Gen Z might be busy inventing new ways to say “I’m tired of this,” we’ll always have on fleek brows, FOMO-filled weekends, and lit squad goals burned into our collective memory.

So if you’re still dropping the occasional “totes” or saying “I’m dead” during a Zoom call, don’t worry—you’re not out of touch. You’re just keeping the millennial flame alive. And honestly? That’s pretty savage.

Millennials, Gen Z, and the Decline in US Birth Rate

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The number of births in the United States has been steadily declining for over a decade. According to CDC data, in 2007, the country recorded over 4.3 million births—the highest number on record. By 2023, that number had dropped to about 3.6 million. During the same period, the U.S. crude birth rate—the number of births per 1,000 people—also declined significantly, falling from 14.3 in 2007 to around 12.0 in 2023. While many factors are at play, one of the biggest influences is the changing perspective of each generation regarding how many children they want to have. From the post-war Baby Boom to today’s Gen Z, Americans’ attitudes about family size have evolved dramatically—and those views have helped shape the nation’s fertility trends.

Family Size Ideals: From Large Families to the Two-Child Norm

In the early-to-mid 20th century, large families were common. In 1936, Gallup found the average ideal number of children was about 3.6. This lined up with the Baby Boom era (1946–1964), when U.S. fertility peaked—hitting 3.7 children per woman in 1957. But by the 1970s, ideals had shifted. The rise of the birth control pill, more women entering the workforce, and evolving gender norms led many Baby Boomers to want smaller families. By 1978, the average ideal number of children had dropped to around 2.5, where it has remained fairly stable ever since.

Even today, most Americans say they want kids. Gallup reported in 2013 that over 90% of adults had or wanted children, and that number hasn’t changed much. The ideal family size remains around two or slightly more. But recent surveys show a renewed interest in larger families: as of 2023, 45% of Americans said the ideal number of kids is three or more—the highest percentage in 50 years.

The Reality: Americans Have Fewer Children Than They Say They Want

Despite these ideals, the number of children people actually have is much lower. The U.S. total fertility rate (TFR)—the average number of children a woman is expected to have in her lifetime—has dropped significantly. In 2007, the TFR was about 2.1 (replacement level). By 2023, it had fallen to just 1.62.

This gap between “desired” and “actual” children is common across generations. While most people still say they want two or more kids, economic pressures, delayed marriage, and lifestyle choices have led to fewer births. Let’s take a quick look at how each generation has shaped these trends.

Baby Boomers: From Boom to Bust

Born between 1946 and 1964, Baby Boomers were the product of the post-WWII birth surge. But when it came time for them to start families, they chose smaller households. Influenced by rising inflation, new career opportunities for women, and changing social norms, Boomers helped bring the TFR down to 1.8 by the mid-1970s. Women born in the mid-1950s had about two children on average—lower than their parents’ generation.

Generation X: Stability and Moderation

Gen X (born 1965–1980) came of age during the 1980s and 1990s and maintained the two-child ideal. Many started families a little later than their Boomer parents, but most still had kids in their 20s or early 30s. Their childbearing helped stabilize the U.S. birth rate for a while, with total births hovering between 3.9 and 4.1 million per year through the 1990s and early 2000s. The TFR stayed close to 2.0—roughly replacement level.

Millennials: Delay, Debt, and Decline

Millennials (born 1981–1996) have had a big impact on birth trends. The Great Recession (2007-2009) hit just as many were starting adulthood, and the long recovery left many facing student debt, job insecurity, and rising housing costs. As a result, they delayed marriage and children. The average age at first birth rose to 27.3 by 2021—a record high, compared to around 22 in 1980 and just over 21 in 1970.

While Millennials still say they want about 2–3 children, many haven’t reached that number. By the time the oldest Millennials hit their early 40s, they were on track to have fewer children than Gen X. In fact, about 15% may never have kids at all—higher than previous generations. Between 2007 and 2020, U.S. births fell every year, dropping by more than 700,000 annually. Millennials were the primary drivers of this decline.

Gen Z: Cautious and Concerned

The oldest members of Gen Z (born 1997–2012) are just entering their prime childbearing years. Early signs suggest they’re even more cautious about starting families. In a 2023 poll, nearly 25% of Gen Z adults said they don’t plan to have children at all. Top reasons include financial concerns, climate change, and general uncertainty about the future.

That said, Gen Z is still young, and many may change their minds. Around 45% still say three or more children is ideal, and it’s possible that if economic conditions improve, they’ll start families later—just as Millennials have begun to do in their 30s. For now, though, the trend is clear: young adults are having fewer kids, later in life.

U.S. Birth Statistics

Annual number of births in the United States (2007 – 2023)

YearNumber of Births
20074,316,233
20084,247,694
20094,131,019
20103,999,386
20113,953,590
20123,952,841
20133,932,181
20143,988,076
20153,978,497
20163,945,875
20173,855,500
20183,791,712
20193,747,540
20203,613,647
20213,664,292
20223,667,758
20233,596,017

Source: CDC data

Annual U.S. crude birth rate (2007 – 2023)

YearCrude Birth Rate (per 1,000 population)
200714.3
200814.0
200913.5
201013.0
201112.7
201212.6
201312.4
201412.5
201512.4
201612.2
201711.8
201811.6
201911.4
202010.9
202111.0
202211.0
202310.9

Source: CDC data

What Comes Next: The Future of U.S. Birth Rate

Looking ahead, the choices of future generations—particularly the younger half of Gen Z and the emerging Generation Alpha—will play a crucial role in shaping the trajectory of the U.S. birth rate. While current trends suggest continued delays in starting families and smaller household sizes, much will depend on the social and economic environment they inherit. If housing remains unaffordable, childcare costs stay high, and work-life balance is elusive, birth rates could remain low or decline further. But with meaningful policy shifts and cultural changes that support young families, these generations could stabilize or even modestly reverse the current trend. Their views on parenthood, shaped by today’s uncertainty but also new opportunities, will determine whether the U.S. continues its path of demographic contraction—or enters a new chapter of renewal.

Gen Z Takes Over TikTok – A Generational Breakdown of the Most Popular TikTok Accounts

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When it comes to TikTok, one thing is crystal clear: Generation Z has firmly taken the reins. As the platform continues to soar in popularity, the youngest generation in the digital age, born roughly between 1997 and 2012, is shaping the app’s content and driving its viral trends. Whether it’s viral dance moves, hilarious skits, or heartwarming moments, Gen Z has made TikTok their own playground.

Unlike platforms like X and Instagram, where Millennials dominate, TikTok has become a space where Gen Z excels. While Millennials thrive on X with personal branding and global influence, and are also dominating Instagram, TikTok’s fast-paced, short-form videos are the perfect fit for Gen Z’s creativity and quick consumption habits. This generational difference in platform dynamics showcases how each generation has found its own niche in the social media landscape.

Of the top 10 most-followed TikTok accounts, a significant 70% of the creators belong to Generation Z. These young content creators have mastered the art of using short-form video content to capture attention and build massive followings. But what makes TikTok so appealing to this generation? And how are the content creators shaping the platform? Let’s break it down from a generational perspective and explore which creators belong to which generation and the type of content they’re producing.

Generational Breakdown of the Top 10 Most-Followed Accounts on TikTok:

  • Generation Z (born between 1997 and 2012): 7 accounts
  • Millennials (born between 1981 and 1996): 2 accounts
  • Generation X (born between 1965 and 1980): 1 account
  • Baby Boomers (born between 1946 and 1964): 0 accounts – Looks like TikTok hasn’t quite caught the attention of the Baby Boomers just yet! Guess they’re still figuring out how to send a text.

With these stats, it’s clear that Generation Z dominates the platform, but Millennials and even a member of Generation X have still found their place among the most-followed accounts. Let’s take a closer look at the creators who are making waves on TikTok, starting with the Gen Z leaders.

1. Khaby Lame: The King of Simplicity (Gen Z)

Born in 2000, Khaby Lame is the epitome of Gen Z’s humor, with over 162 million followers. His no-nonsense reaction videos have made him an internet sensation, simplifying absurdly complicated life hacks with just a gesture and a look of exasperation. His minimalist approach has made him a global icon, with his content consistently striking a chord with viewers who value authenticity and simplicity.

Khaby’s most-watched video showcases his signature style: simplifying the overly complex task of opening a banana by demonstrating the simple way of peeling it from the bottom. This video perfectly captures why his straightforward, humorous take on everyday tasks has earned him millions of fans.

2. Charli D’Amelio: The Dance Queen (Gen Z)

Charli D’Amelio, born in 2004, is arguably the most famous Gen Z TikTok personality. With 157 million followers, she became a star after posting viral dance videos, particularly to trending songs. Her content is fun, energetic, and always in sync with the latest trends. Charli exemplifies Gen Z’s penchant for fast-paced, highly engaging content that often incorporates viral challenges and collaborative trends. Her success highlights the rise of internet fame and the potential for a single viral moment to transform a young creator into a mainstream influencer.

3. MrBeast: The Gen Z Entrepreneur (Gen Z)

Born in 1998, MrBeast (Jimmy Donaldson) is a standout Gen Z creator who has mastered the TikTok game, amassing 115 million followers with his elaborate challenges, philanthropy, and creative video stunts. His content is centered around generosity, as he often gives away massive amounts of money to participants or random strangers. MrBeast’s TikTok is an extension of his larger YouTube success, where his content is designed to entertain, surprise, and give back. His entrepreneurial mindset and attention to viral content make him one of the most influential creators on the platform.

4. Bella Poarch: The Lip Sync Legend (Gen Z)

Bella Poarch, born in 1997, quickly became a TikTok sensation after her lip-sync videos, particularly her iconic video to the song “Sophie Aspin Send,” garnered millions of views. With over 94 million followers, Bella’s account focuses on fun, catchy, and often humorous content, including lip syncs, challenges, and personal moments. Bella represents Gen Z’s love for creative self-expression through viral music and short, impactful videos that often go beyond mere entertainment to create cultural moments.

5. Addison Rae: The Gen Z Star with Hollywood Dreams (Gen Z)

Addison Rae, born in 2000, has over 88 million followers on TikTok and is a true Gen Z influencer. Initially famous for her dance moves and lip-sync videos, Addison has branched out into acting and music. She embodies Gen Z’s tendency to leverage social media success into other career opportunities, particularly in the entertainment industry. Her content is diverse, featuring lifestyle vlogs, dance videos, and collaborations with other influencers, showcasing her ability to evolve with the trends while staying true to her roots.

6. Kimberly Loaiza: The Rising Star (Gen Z)

Born in 1997, Kimberly Loaiza has become one of TikTok’s biggest stars, with 83 million followers. Known for her beauty and lifestyle content, it’s her ability to share relatable family moments, fashion tips, and trends that has really connected with her audience. Although she’s officially part of Gen Z, Kimberly is close in age to Millennials, which gives her a unique ability to appeal to both generations. She effortlessly blends her personal life with her brand, offering followers a sense of being part of her world. Whether it’s a casual outfit or a peek into her everyday life, her content resonates with fans across the age spectrum, making her one of the most engaging influencers on the platform.

7. Zach King: The Master of Illusion (Millennial)

Born in 1990, Zach King is the first Millennial to make an appearance on the list, and he’s certainly made his mark with his mind-bending “magic vines” and visual illusions. With 82 million followers, Zach has turned short-form video content into an art form, showcasing jaw-dropping tricks that leave viewers amazed. His videos demonstrate the creative potential of TikTok, where visual effects and innovation come together to captivate audiences. Zach’s success is a prime example of how Millennials have mastered the art of blending technology and storytelling, using the platform to craft visually compelling narratives that continue to spark wonder and creativity.

8. Dwayne “The Rock” Johnson: The Gen X Entertainer (Gen X)

Dwayne Johnson, born in 1972, represents a rare but important presence from Generation X on TikTok, with 77 million followers. The Rock has used TikTok to share behind-the-scenes glimpses of his life, promote his projects, and connect with his massive fan base. His content is a blend of fitness motivation, personal anecdotes, and brand promotion. While he is older than most of the top influencers, his ability to adapt to TikTok’s fast-paced environment demonstrates that even Gen X can thrive on the platform.

9. Dominik Lipa: The Gen Z Creator with a Diverse Fanbase (Gen Z)

Dominik Lipa, born in 2001, represents the new wave of Gen Z influencers. With over 77 million followers, his content spans various genres, from dancing and lip-syncing to more intimate vlogs. Dominik’s ability to evolve and create relatable content that resonates with his primarily young audience shows how TikTok is being used by Gen Z to share their lives in a creative and impactful way.

10. CZN Burak: The Chef Who Captivates the World (Millennial)

CZN Burak, born in 1996, is a Turkish chef who has gained a huge following on TikTok, amassing 75 million followers. His content features cooking tutorials with a signature twist—he engages his audience with his infectious personality, often smiling directly at the camera while preparing dishes. CZN Burak represents the Millennial generation’s flair for creativity and social media branding, using TikTok to promote his culinary skills and entertain a global audience.

As Gen Z continues to dominate TikTok, one question remains: Will the next generation, Generation Alpha (Gen A), take over the platform, or will they shift their attention to something new? With Gen A growing up in a world even more saturated with technology and new platforms, it will be interesting to see if they reinvent how we engage with social media or perhaps dominate a completely new platform we haven’t yet imagined. Only time will tell!