Caroline Melear

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Caroline Melear

Caroline Melear

@CarolineMelear

Financial Services Public Policy @RSI | Former Equity Analyst | Columnist @conservateurmag | Contributor @YoungVoicesOrg

West Palm Beach, FL Katılım Ağustos 2018
1.1K Takip Edilen1.1K Takipçiler
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R Street Institute
Illinois’ new interchange fee law may sound narrow, but its practical effects could be anything but. By banning interchange fees on the tax and tip portion of card transactions, the state is creating new complexity for everyday payments that the current system is not built to handle. 🔗 Read the full piece by @CarolineMelear here: bit.ly/42qPkAh
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Nick Gray
Nick Gray@nickgraynews·
I think you can tell a lot about how someone spends money and thinks about money by how they use paper towels.
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Rusty Shackleford
Rusty Shackleford@Gr33nOnions·
Shit like this is so dumb because you're not buying one sandwich at a time. It doesn't matter how many $2 sandwiches I can make, I'm still buying $100 worth of groceries. That's not insignificant
Joel Berry@JoelWBerry

A little-known hack: 2 slices of Aldi wheat bread: $0.17 3 oz of Aldi deli turkey: $0.86 1 slices Aldi cheddar: $0.15 1 condiment of your choice: $0.02 1 apple: $0.53 1 hard boiled egg: $0.14 5 carrot sticks: $0.17 Cold water from the tap: $0.01 Total: $2.05 You can do this.

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Caroline Melear
Caroline Melear@CarolineMelear·
@ByuSome @Skiffer09 That’s weak & dumb. Also there are other financial priorities besides owning a home so it’s even more dumb
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Some.BYU.Dude
Some.BYU.Dude@ByuSome·
@Skiffer09 They're not frugal, but most of them don't see a reason to be frugal. So many of them have just given up the idea of even owning a home.
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Some.BYU.Dude
Some.BYU.Dude@ByuSome·
I absolutely agree that Gen Z is eating out too much and gets DoorDash at horribly high rates (statistically true), but none of it matters when housing is astronomical 🤷🏼‍♂️ Boomers are often so out of touch. You know the average mortgage payment in 1972 for the average house with the average interest rate? $151.37. You know what it was in 2023? $2,330.40. The average person buying the average home with the average income in 1972 spent 18.7% of their income on their mortgage and needed 54% of their yearly income for a 20% down payment. The same for 2023 is 49% of their income and 134% of their yearly income for a 20% down payment. But sure... eating out and avocado toast or something. I'm 36. My wife and mine's retirement is set and our house will be paid off in a few years. I worked really hard to get us this life. It's largely due to the fact that I bought a house before housing was stupid. I feel for Gen Z and everyone after them. While yes, they eat out too much, that isn't the reason they are poor. They're poor because housing is completely unaffordable due to no fault of their own.
Cernovich@Cernovich

Boomers and Gen X packed lunches. Not sure why this stuff enrages zoomers. Boomers lived frugally. Going out to lunch was a big deal. Most didn't have long lunch breaks, especially blue collar. You didn't DoorDash, dinners were made at home. I don't even DoorDash in 2026.

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Caroline Melear
Caroline Melear@CarolineMelear·
I have enough self awareness to know I'm not naturally frugal. A guardrail I had when I was a young(er) professional was a portion of every paycheck automatically went into saving & investment accts. If you want to live well & own things, start by making better choices
Meg Brock@MegEBrock

Has everyone forgotten that young people have always been more likely to eat out/spend disposable income? This just seems like a very normal difference that would occur between a person in their 20’s vs 60’s in any modern generation? Gen Z is still likely to pay 3x to 5x more for a house.

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Caroline Melear
Caroline Melear@CarolineMelear·
@JordanBVide0s @LouisvilleGun It not being singularly about sodas is kind of the point. It’s about thought processes and patterns of behavior. It’s no coincidence that the people who own houses are the ones advocating for more frugality
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Jordan B
Jordan B@JordanBVide0s·
@LouisvilleGun If you think this is singularly about sodas then idk what to tell you other than just go turn on your FoxNews
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Caroline Melear
Caroline Melear@CarolineMelear·
@LibertyJen the thing is, the expensive lunch is just an example. If you're willing to spend nearly $30 on lunch everyday, you're almost certainly engaged in all sorts of other bad financial habits. It's a mindset of thinking you deserve it.
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LibertyJ
LibertyJ@LibertyJen·
The divide on X today: Everyone who owns a home: “There’s nothing wrong with making your own lunch, I brown bag all the time and rarely eat out.” Renters, criers, basement dwellers, people upset they can’t possibly “ever” buy a home: “I HAVE to spend $28 every day at Chipotle, why do you want me to STARVE?”
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Caroline Melear
Caroline Melear@CarolineMelear·
@BowTiedNiners you've got some truth in here but it's overshadowed by claiming we have to work twice as hard. I literally don't know anyone who works twice as hard as their parents. Life is just across the board far easier than it used to be
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AeroNiners 🇺🇸
AeroNiners 🇺🇸@BowTiedNiners·
I don’t think packing a lunch is going to close this gap Boomers are so out of touch it isn’t even funny We literally have to work twice as hard to live in a worse America
AeroNiners 🇺🇸 tweet media
Cernovich@Cernovich

Boomers and Gen X packed lunches. Not sure why this stuff enrages zoomers. Boomers lived frugally. Going out to lunch was a big deal. Most didn't have long lunch breaks, especially blue collar. You didn't DoorDash, dinners were made at home. I don't even DoorDash in 2026.

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Caroline Melear
Caroline Melear@CarolineMelear·
@abysstoabyss Yes you can hire this service in Palm Beach I heard some moms on my son's tball team discussing it. $4k all in lmao
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taoki
taoki@justalexoki·
being a woman must be so embarrassing. like what do you mean you can't open a jar. how are you alive
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Bob Golen
Bob Golen@BobGolen·
I've never found a windshield wiper setting that truly satisfied me.
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Caroline Melear
Caroline Melear@CarolineMelear·
Yeah this wasn’t a cultural gap with gaming lmao you can’t “call” a pick six In addition to the majority of men, any woman who went to a halfway decent football school know this
James Surowiecki@JamesSurowiecki

I still don't understand how Tim Walz could possibly have tweeted that AOC could "call a mean pick six." He was actually a football coach, right? He is, presumably, a Vikings fan. But no one who has any familiarity with football would ever say that. So what the hell happened?

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