Millennials and Gen Z are not broke because of laziness but a broken system. Here is what is actually going on and what you can do about it.

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What You'll Learn in This Episode

- Why the American Dream playbook is broken and what replaces it
- Why luxuries got cheaper while necessities got unaffordable
- Why two EMTs could build a life in 1996 and cannot today
- The three-tier middle class divide and why your neighbor pays $55K less than you
- Whether buying a home in 2026 still makes sense and the two questions to ask first
- What is actually happening with Social Security and what to do about it
- The one lever that matters most when the system is working against you

Start Here
Join the community built to help you master your money, stay accountable, and reach financial freedom.

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Tool/s Mentioned

- Trulia - https://www.trulia.com
- Zillow - https://www.zillow.com
- Uber - https://www.uber.com

Watch Next

https://youtu.be/WhfXVmC2DC0
https://youtu.be/36HG6VHnA08
https://youtu.be/ffKv6M69SRI
https://youtu.be/BWocw8B-xnY
https://youtu.be/ccXY6vTNJu0

Connect with Freddie Smith

- TikTok β†’ https://www.tiktok.com/@fmsmith319
- Instagram β†’ https://www.instagram.com/fmsmith319/
- Linktree β†’ https://linktr.ee/Freddiemsmith
- Spotify β†’ https://open.spotify.com/show/2MyR1MAPyqDf6OwCrNwR4b
- YouTube β†’ https://www.youtube.com/playlist?list=PLVcu9rrANHgA6WY_tH1vtpA8V6uX1BI3C

Book β†’ Generation F*cked: How Millennials and Gen Z Were Robbed of the American Dream and How We Can Fix Our Futures
- Amazon: https://www.amazon.com/Generation-cked-Millennials-American-Futures/dp/1637748825
- Simon & Schuster: https://www.simonandschuster.com/books/Generation-F*cked/Freddie-Smith/9781637748824
- Audible: https://www.audible.com/pd/Generation-F-cked-Audiobook/B0G16V72GG

Connect with Andrew

- Instagram β†’ https://instagram.com/mastermoneyco
- Website β†’ https://mastermoney.co
- TikTok β†’ https://tiktok.com/@mastermoneyco
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- LinkedIn β†’ https://www.linkedin.com/in/andrew-giancola-45027b340
- YouTube β†’ https://www.youtube.com/@mastermoneyco/

Question for you:
Do you think the American Dream is still achievable for your generation, or has the system changed too much? Drop your honest take in the comments below.