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Oh sure, I absolutely get the reasoning behind it. I'm just agog to hear it happening as I've never before heard of such a thing.

It does track that the millennials would have trouble making significant down payments for things like an established 30+ year old human in a career would. No one just out of the house has ever really been able to just walk out and get into their dream place, not that they necessarily should. The problem is, with increasing wealth disparity, that barrier to entry is only growing.

I've spoken about my brother previously here at Runaway Central, the 20 year old that has no ambition. He has such a defeatist attitude that he really doesn't think he could make it on his own in the current world even if he was gung-ho about trying to make it, so why even try? I've been trying to divine some way of being able to help him, but my resources myself are stretched so thin even with a job that pays roughly double median local wage helping to pay off my sister's student loans (which is another significant sign of the times) that I'm not entirely sure how to instill that level of confidence in him. I'd offered to pay for classes a while back, but it hasn't amounted to much. It probably doesn't help that my mother is batshit insane and mental illness runs on that side of the family. Sometimes I wonder about him with relation to that.

Personally, I can't bring myself to hate the millennials. I just pity them. Pretty much all the evils ascribed to them aren't magically their faults. Remember, if you're 40+, it's basically your generation that had the responsibility to raise them. If they're fucked up, you fucked them up. Rather than alienating and villainizing people, a more productive thing would be to stop and evaluate the situation and say, "Well, yeah, sure, they're all fucked. How do we fix that?" No one seems to be doing that though.

As an aside, I'd consider $1200 (I think that's what the article said) upfront to be fairly reasonable plus or minus a couple hundred bucks, but I suppose the Chicago area is naturally going to have a much higher cost of living than St. Louis would.