via Cleo


Seemingly every day, TikTok excavates a new defining difference between Gen Z and millennials.

Officially, millennials were born between 1981 and 1996, and Gen Z includes anyone born between 1997 and 2012. Though the "Zillennials" born between '94 and 2000 straddle this divide, the commonly cited factors that distinguish the two include: relationship to technology, use of social media, and memories/experiences of key events like 9/11 and the 2008 recession.


On social media platforms like TikTok and Instagram, more whimsical differences emerge. Social and cultural norms always shift with the times, and certain trends are sure signs of which group a person belongs to.

Popular examples — some of which have caused internet outcries and viral trends (who remembers the "Proud to Be a Millennial" song) — are Gen Z versus Millennial preferences for mom jeans over skinny jeans and middle parts over side parts.

But one thing that unites them: similar attitudes towards money.

Both came (or are coming) of age during various crises — for many millennials, the great recession was a formative experience on their lives and career trajectories, and many Gen Zers have had their emergent professional lives rocked by the pandemic.

Add to all this the crippling load of student loan debt that both carry and the threat of the climate crisis putting a question mark over the task of future planning, learning to manage money is notoriously tricky for both factions — but they're increasingly empowering themselves using the internet.

According to Kasasa* , both generations are turning to personalized, tailored banking services. No one ever taught them to balance a checkbook (literally … what even is that?), but they're empowering themselves with digital banking.

"Millennials … seek digital tools to help manage their debt and see their banks as transactional as opposed to relational," according to Kasasa, and Gen Z are into "learning about personal finance. They have a strong appetite for financial education and are opening savings accounts at younger ages than prior generations."

With an appetite to learn about and confront the abysmal financial foundations, they have been handed, digital banking tools are attractive to both Gen Z and Millennials — bonus points if they are easy to use with a no-nonsense interface.

Enter: Cleo.

According to their website, Cleo is an app which integrates all your accounts and, like a really financially savvy and brutally honest friend, tells you what's going on in your wallet.

Cleo is like the coolest finance major you'll ever meet. You can text her all your questions about your spending, your habits, and your current balances, and she'll give it to you straight.

She'll also tell you when you're running low — like when you should probably skip that Starbucks stop so you'll have money left for the subway home — and keeps you on track of your goals.

Here are some of our favorite features of Cleo that make her universally likable:

1. It's like talking to a friend

Above anything, Cleo is accessible. Anyone can (and everyone should) talk to her about money to demystify their finances. Cleo answers questions in a super easy-to-understand vernacular and talks to you like a friend — the kind of friend who isn't afraid to roast you when you're being shortsighted.

2. Autosave makes saving easy

Budgeting doesn't have to be boring. Saving money should be fun. After all, you're stacking up cash to live an awesome life — whether it's a sick vacation you want to take and post all over Instagram or a house in your dream neighborhood — so shouldn't you be excited about it? Well, it can be hard to drum up any verve for putting your money away, but Cleo uses autosave so you don't see the money it's saving for you until you've reached your goals

3. She breaks it down super simply

The key to getting good with money is looking at the big picture. Cleo categorizes your spending into parts so you know how much is going where. And it doesn't have to be intimidating. Sometimes all you need is a calculator and Cleo.


* https://www.kasasa.com/articles/generations/gen-x-...

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Over the past month, both Haiti and Afghanistan have been pummeled by tragic disasters that left devastation in their wake.

In Haiti, a 7.2 magnitude earthquake erupted, leading over to 2,189 deaths and counting. A few hours later, in Afghanistan, Kabul fell to the Taliban just after U.S. troops had pulled out after 20 years of war.

In many ways, these disasters are both chillingly connected to US interference. The United States invaded Haiti in 1915, ostensibly promising to restore order after a presidential assassination but really intending to preserve the route to the Panama Canal and to defend US creditors, among other reasons.

But the US forces soon realized that they were not able to control the country alone, and so formed an army of Haitian enlistees, powered by US air power and intended to quell Haitian insurrection against US controls. Then, in 1934, the US pulled out on its own, disappointed with how slow progress was going. Haiti's institutions were never really able to rebuild themselves, leaving them immensely vulnerable to natural disasters.

Something similar happened in Afghanistan, where the US sent troops and supported an insurgent Afghan army – only to pull out, abandoning the country they left in ruins, with many Afghans supporting the Taliban.

In both cases, defense contractors benefited by far the most from the conflict, making billions in profits while civilians faced fallout and devastation. While the conflicts and circumstances are extremely different and while the US is obviously not solely to blame for either crisis, it's hard not to see the US-based roots of these disasters.

Today, in Haiti and Afghanistan, civilians are facing unimaginable tragedy.

Here are charities offering support in Afghanistan:

1. The International Rescue Committee is looking to raise $10 million to deliver aid directly to Afghanistan

2. CARE is matching donations for an Afghanistan relief fund. They are providing food, shelter, and water to families in need; a donation of $89.50 covers 1 family's emergency needs for a month.

3. Women for Women International is matching donations up to 500,000 for Afghan women, who will be facing unimaginable horrors under Taliban control.


4. AfghanAid offers support for people living in remote regions of Afghanistan.

5. VitalVoices supports female leaders and changemakers and survivors of gender-based violence around the world.

Here are charities offering support in Haiti:

1. Partners in Health has been working with Haiti for a long time, and they work with the Department of Health rather than around them, which is extremely important in a charity.

2. Health Equity International helps run Saint Boniface Hospital, a hospital in Haiti close to the earthquake's epicenter.

3. SOIL is an organization based Haiti, "a local organization with a track record of supporting after natural disasters." They are distributing hygiene kits and provisions on the ground to hospitals and to victims of the earthquake.

4. Hope for Haiti has been working in emergency response in Haiti for three decades, and their team is comprised of people who live and work in Haiti. They focus on supporting children and people in need across Haiti.

via Tiffany & Co.

When the new Tiffany's campaign was unveiled, reactions were mixed.

Tiffany's, the iconic jewelry brand which does not (despite what some might be misled to believe) in fact serve breakfast, featured Jay Z, Beyoncé, and a rare Basquiat painting in their recent campaign.

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Road trips can be a lot of fun — but they can also drain your wallet quickly if you aren't careful.

From high gas costs and park admission fares to lodging and the price of eating out every night, the expenses can add up quickly. But at the same time, it's very possible to do road trips cheaply and efficiently. Without the headache of worrying about how much money you're leaking, you can enjoy the open road a whole lot more. Here's how to save money on a road trip.

1. Prepare Your Budget, Route, and Packing List in Advance

If you want to save money on a road trip, be sure you're ready to go. Try to count up all your expenses before you hit the road and create a budget. It's also a good idea to plan your route in advance so you don't end up taking unnecessary, gas-guzzling detours. And finally, be sure to pack in advance so you don't find yourself having to buy tons of things you forgot along the way.

2. Book Cheap Accommodations — Or Try Camping

All those motel rooms can add up surprisingly quick, but camping is often cheap or free, and it's a great way to get intimate with the place you're visiting. You can check the Bureau of Land Management's website for free campsites. Freecampsite.com also provides great information on If you don't have a tent or don't want to camp every night, try booking cheap Airbnbs or booking hotels in advance, making sure to compare prices.

Camping camping road tripConde Nast Traveler

If you're planning on sleeping in your car, a few tips: WalMart allows all-night parking, as do many 24-hour gyms. (Buying a membership to Planet Fitness or something like it also gives you a great place to stop, shower, and recharge while on the road).

3. Bring Food From Home

Don't go on a road trip expecting to subsist on fast food alone. You'll wind up feeling like shit, and it'll drain your pocketbook stunningly quickly. Instead, be sure to bring food from home. Consider buying a gas stove and a coffee pot for easy on-the-go meals, and make sure you bring substantial snacks to satiate midday or late night cravings so you can avoid getting those late night Mickey D's expeditions.

Try bringing your own cooler, filling it with easy stuff for breakfast and lunch — some bread and peanut butter and jelly will go a long way. Bring your own utensils, plates, and napkins, and avoid buying bottled water by packing some big water jugs and a reusable water bottle. Alternatively, try staying at hotels or Airbnbs with kitchens so you can cook there.

4. Avoid Tolls

Apps like Google Maps and Waze point out toll locations, so be sure to avoid those to save those pennies. (If it takes you too far off route, you might have to bite the bullet and drive across that expensive bridge).

You can also save on parking fees by using sites like Parkopedia.

Road Trip Road TripThe Orange Backpack


5. Save on Gas

Gas can get pricy incredibly fast, so be sure that you're stopping at cheap gas stations. Free apps like GasBuddy help you find the most affordable gas prices in the area. Also, try going the speed limit on the highways — anything faster will burn through your tank. Be sure that you don't wait till you arrive at touristy locations or big cities to fill up.

6. Get a National Park Pass

All those parks can get really expensive really fast. If you're planning on visiting three or more parks, it's a great idea to get an America the Beautiful National Parks Pass. For $80 you can get into every National Park for one year.