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That's because, taken together, the two primary Social Security funds are set to only be able to pay out full benefits through 2035; the Old-Age and Survivors Insurance Trust Fund, one of the main funds comprising Social Security, will start getting depleted in 2033. AdvertisementIn other words, the moment that today's older Gen Xers are ready to retire, their Social Security benefits could start to shrink. Gen Xers — born from 1965 to 1980 — have been deemed the country's "neglected middle child" by the Pew Research Center. And among the different generations, Gen Xers were the most likely to report that they were feeling financially insecure. That could set the stage for the new crop of Gen X retirees to arrive in an already-precarious retirement economy.

Persons: —, Gen X, Xers, Gen Xers —, YouGov —, Gen Xers, X, Gen Zers, Gen, Michele Raneri, aren't, Xer Organizations: Service, Gen, Social Security, Insurance Trust Fund, Business, Security, Pew Research Center, of Congress, Millennials, TransUnion, Survey, Alliance, Lifetime, Income

☆ A Gen Xer struggles to afford housing and groceries, but her income is about $100 too high to get help
▼ + stars: | 2024-05-08 | by ( Allie Kelly | ) www.businessinsider.com time to read: +4 min

The couple is part of a growing number of Americans who live above the federal poverty line but struggle to afford basic necessities. The poverty line isn't adjusted to reflect cost-of-living differences in individual cities or states and is set at $20,440 a year for a family of two. Binkley is trying to "make ends meet," hopes to leave Minnesota one dayPrimarily, Binkley said she struggles with her rent and utility bills. AdvertisementFor food, Binkley said she is especially thankful for her local food pantries, where she often goes to pick up canned goods. "That is one thing that keeps driving me to make my payments, get things caught up, and set a little bit aside each week or each month, Binkley said.

Persons: —, Melinda Binkley, she's, Binkley, doesn't, ALICE, She's Organizations: Service, Business, Survey, United Way's, Medicare Locations: Stillwater , Minnesota, Minnesota, Idaho

☆ A Florida Gen Xer who earned over $300,000 secretly working multiple remote jobs shares why he's 'far from rich'
▼ + stars: | 2024-05-07 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

A Florida-based Gen Xer made over $300,000 in 2023 secretly working multiple remote tech jobs. AdvertisementIn 2021, Robert was making roughly $180,000 a year from his tech job, but when his workflow slowed, he feared a layoff may be coming soon. AdvertisementThe Gen Xer, a Florida resident, is among the "overemployed" Americans who are secretly working multiple remote jobs to boost their incomes. Aside from family and travel, Robert said he spends most of his money on food and his home. Are you working multiple remote jobs at the same time and willing to provide details about your pay and schedule?

Persons: Xer, —, Robert, who've, hasn't, it's, He's, he's Organizations: Service, BI, Business Locations: Florida, Yellowstone, Las Vegas

☆ A California Gen Xer who made over $1 million secretly working 2 remote jobs said it allowed him to travel the world, max out his 401(k), and send his kids to private school
▼ + stars: | 2024-05-02 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

A California-based Gen Xer began secretly working two remote tech jobs in 2020. He made over $1 million in 2022, which allowed him to travel and send his kids to private school. In 2022, Dave earned over $1 million across his two remote jobs, including sales commissions, according to documents viewed by Business Insider. Last, he said people shouldn't feel bad about secretly working multiple jobs. AdvertisementAre you working multiple remote jobs at the same time and willing to provide details about your pay and schedule?

Persons: Xer, —, Dave, he's, who've, he'd, hasn't, jugglers, didn't Organizations: Service, Business Locations: California, America, Europe

☆ Gen Xer Got $250K in Student Loans Forgiven After Decades of Payments
▼ + stars: | 2024-04-21 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +6 min

Joel Lambdin finished graduate school in 1998 — but as a professional musician, he was hardly making enough money to pay off his student loans and his other bills. So Lambdin, now 49, said his only option to make ends meet was to put his student loans on forbearance — in which he was not making payments, but interest was still accumulating. But he grew to realize that the only way he could make a significant dent in his student loans was by switching careers. The Biden-Harris Administration has forgiven your federal student loan(s) listed below with Aidvantage in full." When it comes to student-loan forgiveness, some borrowers told BI that their servicer made a mistake with the forgiveness, reinstating their payments months later.

Persons: Joel Lambdin, Lambdin, Aidvantage, Harris, I've, servicers, he's Organizations: Service, Business, Public, BI, Harris Administration, Education Department, The Education Department Locations: forbearance, India

☆ 6 people who made up to $500,000 a year secretly working multiple remote jobs share why they don't feel guilty — and why there's nothing wrong with 'overemployment'
▼ + stars: | 2024-04-13 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +8 min

Read previewIf you could double your income by secretly working multiple remote jobs, would you do it? The share of US remote job postings on LinkedIn fell from over 20% in April 2022 to about 10% in December 2023. AdvertisementWilliam, a Texas-based tech worker in his 30s who told Business Insider he earned over $500,000 in 2022 secretly working multiple remote roles, agreed with this line of thinking. Steven said he didn't feel guilty about job juggling because he was still able to complete all the duties and tasks assigned to him. AdvertisementAre you working multiple remote jobs at the same time and willing to provide details about your pay and schedule?

Persons: —, jugglers, shouldn't, they're, There's, Joseph, hadn't, Joseph isn't, Robert, John, he'd, there's, it's, Steven, overemployment, William, Justin, Xer Organizations: Service, Business, LinkedIn, Amazon, Google, Elon Locations: Florida, California, Asia, Texas

☆ Don't secretly work multiple jobs if you want to advance in your career, overemployed workers say
▼ + stars: | 2024-03-30 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

Some people have made as much as $500,000 a year secretly working multiple remote jobs. "There is a certain level you cannot be at to perform well on multiple jobs," Robert said. AdvertisementBut life is full of tradeoffs, and that's as true as ever for the people secretly working multiple remote jobs. Overemployment can provide workers with valuable experienceNot every overemployed worker agrees that working multiple jobs is bad for career advancement. AdvertisementAre you working multiple remote jobs at the same time and willing to provide details about your pay and schedule?

Persons: —, Robert, who've, They've, jugglers, William, John, he's, Justin, wasn't, I'm Organizations: Service, Business Locations: Florida, Texas, California

☆ I'm Gen X, but sometimes I wish I wasn't. I admire Gen Z for speaking up in the workplace.
▼ + stars: | 2024-03-24 | by ( Hady Mendez | ) www.businessinsider.com time to read: +6 min

It's just that Gen Z has so much more going for it. Gen Z cares about a company's commitment to DEI — to the point that they'll decide where to work based on that investment. Gen Z demands what they need and want. Gen Z boldly leverages social media to record their #TechLayoffs, talk about #QuietQuitting, and encourage each other to #ActYourWage. I love the perspective Gen Z brings to the future of work and appreciate their thoughtful contributions.

Persons: It's, Meatloaf, Gen Z, pissing, Gen, —, Gen Zers, Gen X, I've, Roe, Wade, Millennials, I'm, Hady Mendez Organizations: Service, Benetton, Business, Latina Locations: Latina

☆ A Gen Xer who made over $300,000 secretly working 3 jobs at the same time says overemployment allowed his partner to stop working and paid for a $20,000 cruise
▼ + stars: | 2024-03-02 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

A Florida Gen Xer made over $300,000 secretly working three jobs in the tech industry. AdvertisementAfter being laid off from his tech job in 2019, Robert wanted two things: job stability and multiple sources of income. By 2021, he'd found a remote job that he said paid $180,000 a year and had a part-time gig that was bringing in an additional $2,000 a month. He went looking for other remote jobs and landed one that paid $190,000 a year. Robert said his overemployment journey likely wouldn't have happened if the pandemic hadn't led more companies to adopt remote working arrangements.

Persons: Xer, —, Robert, he'd, Overemployment, Robert's, overemployment, COVID Organizations: Service, BI Locations: Florida

☆ Meet the typical overemployed worker: A male millennial making six figures annually across multiple tech jobs — who's fighting burnout for the extra income
▼ + stars: | 2024-02-23 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

Who are these overemployed workers? AdvertisementOveremployed workers tend to be male millennials in tech or IT jobsNearly all of the overemployed workers Business Insider has spoken with have been men. "In the IT world, we never really work a full 40 hours a week," a former overemployed worker previously told BI. The typical overemployed worker is making between $100,000 and $500,000 across up to four jobsFor most overemployed workers, job juggling isn't worth the stress unless they're very well compensated. One millennial earned over $500,000 across four non-simultaneous jobs, while another worker earned over $820,000 across three roles.

Persons: —, Louis Fed, Zers, Xers, Zer, Xer, overemployment Organizations: Service, Business, of Labor Statistics, WomenTech Network Locations: St

☆ What I got wrong about loyalty at work
▼ + stars: | 2024-02-12 | by ( Aki Ito | ) www.businessinsider.com time to read: +8 min

In the story, I wrote that people seem to divide into two groups when it comes to the decline of workplace loyalty . To my surprise, a lot of older readers took issue with getting lumped into the pro-loyalty camp. Someone else wrote, more gently, "While I feel you're spot on with most of your facts you've got gen x all wrong." They added: "My generation leads in workplace dissatisfaction and realized 2 decades ago that there was no more corporate loyalty." There isn't a generational divide over workplace loyalty, these readers were telling me.

Persons: Gen Xers, Gen Zers, I'd, Readers, X, Gabriel, he'd, I'm, they've, I've, —, Gen, isn't, Aki Ito Organizations: Business Locations: American, America, TikTok

☆ A Gen Xer moved from California to Colombia after overcoming a rare disease. The cost of living is much cheaper, and life is more peaceful.
▼ + stars: | 2024-02-10 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +8 min

Andy Wiesmann, 62, settled in Medellín, Colombia, after spending much of his life in California's Inland Empire. He couldn't afford an apartment in California, and he decided to move out of the country to preserve his health and happiness. Leaving California for MexicoWiesmann grew up about 60 miles east of Los Angeles and spent most of his life there. His relationship ended amid his hospital stay, and he moved back to California — though he didn't have any place to stay. Wiesmann said he has little intention of leaving Colombia except for vacations to see his kids in California and New York.

Persons: Andy Wiesmann, Wiesmann, I've, Mexico Wiesmann, he's, he'll, they're Organizations: Service, Golden State, Business, US Locations: Medellín, Colombia, Inland, Golden, California, Mexico, Los Angeles, East, Africa, Virginia, United States, Cabo San Lucas, cafés, Bogota, New York, South America

☆ DINKs, Couples With No Kids, Are Living the New American Dream
▼ + stars: | 2024-02-07 | by ( Juliana Kaplan | Bartie Scott | ) www.businessinsider.com time to read: +12 min

DINKs are proudly emerging as an aspirational class for young people — and they're ready to live it up. So when she set up her dating profile, Johnson included in her bio that she didn't want to have kids of her own. Amy Blackstone, the author of the 2019 book " Childfree by Choice ," said that the financial gap between DINKs and couples with kids wasn't solely because of the choice about children. DINKs, GINKs, " rich aunties ," and DINKWADs — DINKs with a dog — have become aspirational identities for younger generations. There are the DINKs who can seize the American dream and the parents who are struggling to stay afloat in a country without guaranteed paid leave or affordable childcare .

Persons: Elizabeth Johnson, Johnson, DINK, DINKs, they've, there's, Amy Blackstone, it's, Alex Killingsworth, Killingsworth, Marcia Drut, Davis, Drut, Blackstone, she'd, Gen Z, That's, X didn't, Zachary P, Neal, Jennifer Watling Neal, millennials —, I've, Marcia, she's Organizations: of, Johnsons, Minneapolis townhome, Federal, Consumer Finances, Broadway Locations: Florida, Swiss, Hawaii, Oregon, Canada, Alaska, Dominican Republic, of America, Minneapolis, Texas, New York, Michigan, Drut

☆ The Florida city with cheaper homes and fun perks luring residents from Miami and New York
▼ + stars: | 2024-02-06 | by ( Jordan Pandy | ) www.businessinsider.com time to read: +6 min

About 730,000 people moved to Florida between July 2021 and July 2022, according to the latest census data available. The typical mover to Florida is not a baby boomer, but a millennial or a Gen Xer from New York and California, according to Business Insider's Noah Sheidlower. "When it comes to people who can't get a starter home in South Florida, they're coming to Orlando," Smith said. "But if you move to Orlando, Florida, with $750,000 or $800,000, you're like, 'I get a yard? AdvertisementMore than 140,000 of the nearly 739,000 people who moved to Florida between 2021 and 2022 came from California and New York , according to Census data.

Persons: —, Noah Sheidlower, Freddie Smith, Shay Walker, Smith, Redfin, Orlando, jodi jacobson, Jenna Clark, Mark Kaley, Joe Raedle Organizations: Service, Business, Orlando, Walt Disney, University of Florida's, Economic, Business Research, Insurance, Disney, Census Bureau, Department of Housing, Urban Locations: Florida, New York, California, Cities, South Florida, Miami, Fort Lauderdale, Orlando, Los Angeles, Orange County, New York City, Central Florida, Orlando , Florida

☆ Gen X and boomers love Temu. I asked them why.
▼ + stars: | 2024-02-04 | by ( Katie Notopoulos | ) www.businessinsider.com time to read: +6 min

Recent research showed that boomers and Gen Xers shopped more frequently on Temu than younger people. I was surprised when I read a research study recently that said that Gen X and boomer Temu shoppers tended to spend slightly more per order and placed orders more often than younger shoppers. AdvertisementSo I asked readers who were boomers or Gen Xers to write in and tell me: Why do they love Temu so much? The Gen X and boomers denied this — most of them said they ignored the annoying roulette wheels. —LanieA variety of items bought by a Gen Xer on Temu Kristy MeeksA crafter who gets jewelry-making supplies:I shop on Temu mostly for jewelry, crafting and jewelry supplies.

Persons: Gen Xers, —, fanny, Elsa, X, Temu, Xers, Tyrone A, I'm, They're, it's, — Linda, Kristy Meeks, Lydia, I've, Randy, Bill Craft supples, Bill Eldridge The Organizations: Service, Amazon Locations: Temu, Toronto, China

☆ A Gen Xer with paralysis says he has no choice but to drive for Uber and Lyft to earn a paycheck — here's how he makes it work
▼ + stars: | 2024-01-25 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +7 min

The Portland, Oregon-based Uber and Lyft driver had been in construction his whole life until experiencing a major stroke a decade ago. "I get to thinking there's got to be something I can do besides this, but there's really not," Robert said. Robert is one of many gig drivers with disabilities who told BI they rely on gig driving to make ends meet and have few other options that accommodate their medical needs. Many Americans with disabilities are looking to gig driving for the flexibility it provides and the limited barriers to entry, though many including Robert said the work is unsustainable long-term. He relearned to drive with one leg and arm, and he realized he could take up gig driving to help supplement his SSDI benefits.

Persons: Robert, there's, Uber, he's, wouldn't, It's, Lyft, they're, I've Organizations: Service, BI, Research Locations: Portland , Oregon, Oregon, Washington

☆ Why do boomers and Gen Xers love Temu so much? I truly want to know.
▼ + stars: | 2024-01-23 | by ( Katie Notopoulos | ) www.businessinsider.com time to read: +3 min

A research firm reports that boomers and Gen Xers are among Temu's most highly engaged shoppers. Boomers and Gen X shopped on the Chinese discount app more often and spent more than other generations. AdvertisementWhy, exactly, are boomers and Gen X loving Temu so much? Millennial shoppers purchased 3.3 orders on average, Gen X purchased 4.5, and baby boomers bought a whopping 5.6. That means among people who shopped at Temu, the average boomer placed twice as many orders as the average Gen Z shopper.

Persons: Gen Xers, Gen X, I'm, —, Gen, Z, boomer, boomers, Temu, cheapo, Stanley, Xer Organizations: Boomers, Service, Facebook, Bloomberg, Gen X

☆ A Gen Xer who moved to Phoenix from Kansas said while he's paying more for his house and summers are brutal, there's much more to do
▼ + stars: | 2024-01-21 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +6 min

He settled in Overland Park, Kansas, a city near Kansas City with about 200,000 residents. Ty, who asked to use just his first name for privacy reasons, settled on Phoenix, and moved there in 2023. While Kansas has an income tax of 5.7% on income above $30,000, Arizona has an income tax of 2.5%. While Florida has no income tax, he was drawn in more by the Phoenix area. He's noticed many new residents in Phoenix who have moved from neighboring states, which he didn't observe as much in Kansas.

Persons: Ty, Phoenix, Zillow, there's, it's, he's, I'm Organizations: Service, Business, Phoenix Locations: Ohio , Florida , Kentucky, West Virginia, Indiana, Overland Park , Kansas, Kansas City, Kansas, Phoenix, Arizona, California, Ohio, Florida, Kentucky, Indianapolis, Park , Kansas, Nashville, Tampa . Phoenix, While Kansas, Scottsdale, Phoenix —, Flagstaff, He's

☆ How unregulated radio stations out of Mexico fueled the country music boom in America
▼ + stars: | 2024-01-19 | by ( Yoonji Han | ) www.businessinsider.com time to read: +8 min

Known as "border radio," the unregulated American radio industry sprung up on Mexico's northern border in the 1930s. Michael Ochs Archives/Getty ImagesIn the years that followed, other border radio stations sprung up in Mexico. Hank Thompson, another country music star who grew up in Waco in the 30s, said border radio stations were the only stations where one could listen to country music most of the time. But the legacy of border radio stations continued to live on in the country music they helped popularize, as well as its cousin genres. According to American honky-tonk star Webb Pierce, country music "might not have survived if it hadn't been for border radio."

Persons: —, Bill Crawford, Crawford, weren't, Will Horwitz, Horwitz's, Jimmie Rodgers, Carter, Michael Ochs, Jesus Christ, Dallas Turner, John Romulus Brinkley, Brinkley, Pope Brock, Minerva, Minnie, Jones, Patsy Montana, Slim Rinehart, Johnny Cash, Waylon Jennings, Hank Thompson, Lydia Mendoza, Rosa Dominguez, Mexican Nightingale, Dominguez, Maybelle, Webb Pierce, It's Organizations: Service, Business, Amazing Broadcasters, American Airwaves, Keystone, Gamma, Getty Images, US, charlatans, Houston, Country, Michael Ochs Archives, Kansas he'd, The Kansas State Medical Board, Federal Radio Commission, Soibelman, Tejano, Getty, Thunderbirds, ZZ Locations: American, West, Mexico, Canada, United States, Mexican, France, Tamaulipas, KFKB, Kansas, New York, Waco, South Dakota

☆ A Gen Xer explains how driving for Uber and Lyft has helped him socialize and earn extra income after an injury forced him out of the workforce
▼ + stars: | 2024-01-10 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +5 min

Read previewThere are some months when Jason McConahy, a part-time Lyft driver in Las Vegas, drives as few as 10 hours. That's because the 48-year-old gets more out of ride-hailing than some supplemental income and flexible working hours ; it's provided him with a valuable source of social interaction . This story is available exclusively to Business Insider subscribers. Several Uber and Lyft drivers have told Business Insider they've faced everything from rude comments to harassment while working. While he loves the social interaction and flexibility of ride-hailing, he said he doesn't think it's sustainable as a full-time job.

Persons: —, Jason McConahy, it's, they've, McConahy, Uber, Lyft, I've, It's Organizations: Service, Business Locations: Las Vegas, Spokane , Washington, —

☆ 14 things you won't believe happened 30 years ago
▼ + stars: | 2024-01-04 | by ( Gabbi Shaw | ) www.businessinsider.com time to read: +1 min

Thirty years ago, the world was a very different place. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementIf you're anything like the average Gen Xer or millennial, thinking about events from 30 years ago might take you back to the '70s. Take a trip down memory lane to see what else happened 30 years ago.

Persons: —, Xer, Steven Spielberg, Oscar Organizations: MLB, Service

☆ Nobody is talking about Gen X. Gen Xers say they like it that way.
▼ + stars: | 2023-12-04 | by ( Aimee Pearcy | ) www.businessinsider.com time to read: +4 min

Everyone's talking about boomers, millennials, and Gen Zers, but Gen X is often left out of the conversation. Many Gen Xers say they like it this way, and they just want to be left alone. Lee questioned why Gen X hadn't been criticized for "not saving the planet," and for failing to fulfill their promises. Gen X viewers immediately began weighing in, and some jumped to defend themselves. It's been viewed more than 300,000 times and has reignited discussion around why Gen X is seemingly ignored in conversations about generational strife.

Persons: Gen Zers, They're, —, X's, TikToker Bryan Lee, Gen Xers —, Lee, Gen X hadn't, Gen, GenX, TikToker @heatherlynntx, It's, Jon Wellington, Xer, they've, Wellington, Xers, they're, TikToker @stygian_strategies, X, Cassandra Carr, Gen Xers, Millennials, — Cassandra Carr 🥄♿ Organizations: Service, Wellington

☆ A new era for the market means a new way to think about investing
▼ + stars: | 2023-12-04 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementThe market volatility in the wake of the pandemic gave people visions of getting rich overnight, but true investing is a long-term play. As a result, a new market regime means new investing strategies will be necessary, James and Will write. Setting aside recency bias, it's been relatively easy to generate good returns in the market over the past 10 years. AI names may have commanded the market's attention lately, but another corner of the market is seeing impressive gains: stocks tied to digital assets.

Persons: —, Liam Eisenberg, Insider's James Faris, Will Edwards, Let's, James, Will, Spencer Platt, that's, Arantza Pena Popo, bitcoin, Alyssa Powell, Prasad Kalyanaraman, Cybertruck, Elon Musk's Cybertruck, Jay, Tyra Banks, Blake Snell, Thomas Carlyle, I'd, Dan DeFrancesco, Naga Siu, Hallam Bullock, Lisa Ryan Organizations: Service, Business, Getty, Marathon Digital, Oxford Dictionary Locations: America, Europe, EU, New York City, San Diego, London, New York

☆ A Gen Xer making $344,000 secretly working 3 jobs got laid off from 2 of them. He said that's exactly why he was overemployed.
▼ + stars: | 2023-12-03 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +5 min

A 48-year-old began secretly working three full-time remote jobs last year, earning a combined $344,000. He was laid off from two of his jobs in October — and said this is why he sought out extra job security. Last year, Joseph earned a combined $344,000 working three full-time remote jobs at the same time, according to documents viewed by Business Insider. While working three jobs has been life-changing for him and his family financially, he said balancing emails and meetings — and keeping his other jobs a secret — was becoming unsustainable. Joseph said he managed to juggle three jobs for over a year by blocking off his work calendars to prevent meeting overlaps.

Persons: —, Joseph, it's, he's, BI's Aki Ito Organizations: Service, Business Locations: Texas

☆ A Florida Gen Xer who met his wife driving for Uber and Lyft details all the reasons he can no longer make a living and what he's doing instead to boost his income
▼ + stars: | 2023-12-02 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +7 min

A Gen Xer is transitioning away from driving for Uber and Lyft to start his own travel agency. He's hoping to land more stable gig work so he no longer needs to work 70-80 hours a week. AdvertisementCharles, 43, met his wife while driving for Uber. Charles, who asked to just use his first name to avoid professional repercussions, said while he's met all sorts of cool people over the years through driving, he's struggled to make ends meet. He's also considered a seven-passenger vehicle that could qualify for more expensive Uber rides.

Persons: Uber, He's, —, Charles, he's, I've, he'd, it's Organizations: Service, Uber, Google, Business Locations: Orlando, Pensacola , Florida, Tampa, Florida

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