I work at a fancy coffee shop in a high-income town. My hubby and I moved here for a sweet, permanent dream job (for him), which meant I had to leave my career behind, so I have down-graded to "barista". Whatever, its just supplemental income, so I enjoy it.
Anyways, I work with a variety of 21-35 year olds (I am 24), and it seems to me that I am the only one who GETS personal finance. Here are a few gems I have heard from my workplace.
35-year-old fella:
"I pretty much plan on working until the day I die"
"Oh yeah, I have tried the whole "6-month buffer" thing and "IRA" thing, but it never works out. They just end up getting spent."
"You shouldn't chase money. I have seen bad things happen to people who chase money"
"There is no sense in trying to invest. The stock market is going to crash again and you will lose everything anyways"
21-year-old girl:
"What? Paychecks aren't coming today? Doesn't she know that we live paycheck to paycheck!?" (I think she assumes I do too...)
"I don't have a bank account." (said proudly)
Gets trashed/high every night
22-year old fella - works 2 jobs, lives w/ parents, somehow has no money
"I just bought new tires, new headlights, and sweet new rims for my car. Ugh, I don't know how I'm gonna pay this all off..."
"I take my girlfriend out to dinner about three times a week" (high end restaurants!)
"I think I'm going to buy a macbook with my next paycheck"
These are just the tip of the iceberg. Everyone in my workplace seriously lives from paycheck to paycheck, even though we all make $12-$15 an hour when tips are included. We might each get $20 in cash tips after a busy 6-hour shift, and most everyone will blow it on buying a fancy coffee/sandwich/dessert combo, or some beers. If only they knew how much those tips could accumulate to over a few months if deposited immediately into a jar in their closet, like I do ; )