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Millennial Money Chatter: Money Sense For Us

The following is an excerpt from @Picksuppennies, self-described as "a married #millennial living a more purposeful life one cent at a time." Follow Penny on Twitter or stay in tune with her generation's conversations about financial topics at

You know FOMO and YOLO and adulting. You’re probably familiar with regifting. But what about degifting and frugle and debth? It turns out, that as we sort through our money, millennials are creating new language right alongside of it.

Why the need for the new vocabulary? Our generation is looking at money differently. Sometimes we’re confronting new issues. Other times, we’re confronting age-old issues in new ways. And when an entire generation is faced with unprecedented money obstacles, it’s going to take some new words to sort through the numbers and the emotions behind them. Because when it comes to millennial money, some of it is good, some of it’s bad, and some even gets a little ugly.

The Research

First things first. Let’s talk research. How do I know all this? Besides (being really smart) spending all my time on TwitterFilene Research Institute sent me their Millennial Money Chatter findings, a summary of an online ethnography that looked at semiotics, syntax, and other things that I haven’t thought about since I was an English undergrad. See? Smart. But seriously. The report analyzes the way millennials talk about money online* with words, hashtags, and emojis. And it turns out, we’re talking about everything from being good grown-ups to drowning in debt.

*They’re reading our tweets, guys! We’re basically famous! Now when do we get to be rich?

The Good

Adulting – We’re adulting! We made it. And we’re totally owning it. We have jobs, we pay bills, we rent, we buy. We are officially grown-ups. Merriam-Webster says the use of adult as a verb showed a six-time increase in 2016 compared to 2015. Why shouldn’t we make a little noise? We’re figuring life out and doing awesome things.

Degifting – An example of our awesomeness? We’re not just big on DIY. We’re not just stretching our dollars with staycations. We do both of those things, and we also degift. Instead of just regifting, many millennials are pausing or stopping the gift exchange. Some of us are trying to stretch our dollars further. Some of us are looking to minimalism and meaningful experiences. And most millennials are taking a long, hard look at the consumerism that literally crushed my closet.

>> Continue reading this post on to learn about "The Bad" and "The Ugly" and to participate in the conversation being had on how millennials talk about money matters.

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