WEEKLY BOOT SEQUENCE // CDT
S.H.A.R.D.//> [status]: Legacy series restored. [query]: Can it sustain momentum like the fast-rising arena chaos of THE FINALS? Testing Live. Sat AM protocol resumes; questionable NHTSA compliance, maximum velocity, minimal survival instincts.
@MissusMummyVT best of luck and wishes moving forward, this is literally the first time I'm hearing of you, but regardless nothing wrong with want to move away from past history to make progress in bettering yourself, your community, and your journey.
WEEKLY BOOT SEQUENCE // CDT
This week I’m building, breaking, and probably falling into lava. Leave your build ideas, create tips, and DDO farming routes below, and we'll explore them live!!
1. Inflation and Wage Stagnation
- The CPI Inflation Calculator shows $3,870 in 1989 equals $10,058.91 today (July 2025). That’s a 160% price increase over 36 years. Back in 1989, a typical household could live on that $3,870 because wages matched the cost of living. Today, the median U.S. household income is around $74,580 (per 2023 Census data, adjusted slightly for 2025 estimates), and after taxes, that’s closer to $55,000-$60,000. Even a $120,000 post-tax income (which is rare—requiring a pre-tax salary of $160,000+ in many states) doesn’t stretch as far as $3,870 did back then because wages haven’t kept up. The Economic Policy Institute notes that real wage growth (adjusted for inflation) has been flat for the bottom 90% since the 1970s, while costs have soared.
2. Housing Costs and Mortgage Rates
- In 1989, the average home price was about $120,000, with mortgage rates around 10% (per Freddie Mac archives). Today, the average home price is over $400,000 (per 2025 National Association of Realtors data), and with interest rates hovering between 6.5% and 8% (per recent Bankrate updates), monthly payments are crushing. A $400,000 loan at 7% over 30 years means a monthly payment of about $2,600—half the 1989 budget—before property taxes and insurance. Boomers often locked in lower rates later (e.g., 4-6% in the 2000s), while today’s buyers face rates double that, making homeownership a pipe dream for many.
3. Cars and Debt Payments
- The average car payment in 2025 is $745/month for a new car (per LendingTree, Q1 2025), up from maybe $200-$300 in 1989 (adjusted for inflation, that’s $500-$750 today). Add in auto loan debt averaging $26,144 for used cars (Experian data), and you’re looking at significant monthly burdens. Total U.S. household debt hit $17.5 trillion in 2025 (Federal Reserve), with younger generations carrying more student and credit card debt than Boomers ever did.
4. College Pricing Explosion- convincing brainwashing that college is necessary
- In 1989, average annual college tuition was about $3,000 for public universities (College Board data, adjusted). Today, it’s over $10,000/year, and with room and board, you’re looking at $25,000+. State funding per student has stagnated (e.g., $11,040 in 2022-23, per College Board), shifting costs to students. Boomers often paid for college with summer jobs; now, students graduate with $37,000 in debt on average (per 2025 Education Data Initiative), a burden Boomers rarely faced.
5. The Big Picture
- Boomers benefited from a post-WWII economic boom, low competition for jobs, and affordable education and housing. The new generation faces a gig economy, automation, and costs that outpace income growth. Studies from the National Bureau of Economic Research show housing and healthcare costs have risen 300-400% since 1989, while median wages grew only 20-30% in real terms. That $120,000 post-tax income? After housing, cars, debt, and tuition, it’s barely scraping by—unlike the Boomer era, where $3,870 covered a comfortable life.
Imagine the Boomers got a free ice cream sundae every day in 1989 for $3.87—it was cheap, and they had pocket money left. Today, that same sundae costs $10.06, but your allowance is only $6! You’re told, “Just work harder and get $12!”—but even then, half your money goes to rent that’s triple what they paid, your car payment eats another chunk, and college loans (which they didn’t have) are like a bill for a house you’ll never own. Meanwhile, mortgage rates are like paying 7% interest on that sundae—insane! Boomers had it easy with low prices and good jobs waiting; we’re stuck running on a treadmill that keeps speeding up, getting screwed while they sip their free coffee from the past.
The Bottom Line
The new generation’s getting a raw deal, and the numbers prove it.
@natsuko_vtuber As someone that had one and then turned it into not being a long distance. They can absolutely work, inheritantly require way more work to have a functional relationship.