‘They are awful’: Dave Ramsey rips millennials and Gen Z for wanting homes without working

Core Insights - The article discusses the financial challenges faced by Millennials and Gen Z, emphasizing the importance of budgeting and financial planning to improve their financial situations [2][4][5] - It highlights the alarming rise in household debt, particularly credit card debt, which reached $1.23 trillion, increasing by $24 billion from the previous quarter [3] - The article also presents various financial tools and platforms, such as Rocket Money and SoFi, that can assist individuals in managing their finances and investing [6][12] Financial Challenges - Total household debt reached $18.59 trillion in Q3 2025, indicating a significant financial burden on American households [3] - Gen Z's purchasing power is reported to be 86% less than that of Baby Boomers at the same age, reflecting economic difficulties faced by younger generations [4] Budgeting and Financial Tools - Dave Ramsey advocates for creating a budget as a crucial step for financial improvement, criticizing the reliance on credit cards for rewards [2][5] - Rocket Money offers features like subscription tracking and budgeting tools to help users manage their finances effectively [6] Investment Opportunities - The article discusses various investment platforms, such as SoFi and Moby, which provide tools and expert guidance for individuals looking to invest [11][14] - Lightstone DIRECT offers accredited investors access to multifamily rental investments, emphasizing a streamlined approach to real estate investing [20][23]