Ramit Sethi

I did talk about victim culture, which when I initially wrote it in 2007, was a fine thing to say.

Now it has become right-coded.

But I never said that you're a victim because you're complaining about social structures.

No.

There is an amount of personal responsibility that we have to take with our money.

So we cannot simply say, life is too hard.

I'm not going to read a single book about money or watch a free YouTube video.

Somebody solve it for me.

That's not going to happen.

We've got to take personal responsibility.

You know, this is such a great question.

No, I would not look at them and say, you're not making the right moves.

I think, first of all, we need to acknowledge, for example, the jobs, even for college-educated graduates...

are scarce and the pay is not what they need to do to survive.

And housing, of course, is the biggest one of all.

We have systematically made it more expensive by letting people who bought a house and then pulled up the drawbridges around them, not allowing more housing to be built.

We have a policy decision to let wealthy, typically older people

Protect their house value while younger people cannot afford a basic house.

And if you take a look at some young person and they're like, hey, I can barely afford my housing and I already live with a roommate.

It's not fair to tell them, oh, you're not doing enough.