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Millennials And Gen Z Are Both Living In A Digital Age

Millennials grew up during a time when the digital age didn't exist, but we watched it unfold and change the way the world communicates. The internet launched in 1993 and connected people to each other in a way no one could've expected (via NPR).

I remember when MySpace, X (formerly Twitter), Instagram, LTK, Snapchat, and more popular apps launched — literally started from the beginning. Growing during as the digital age became what we know it as today, I can confidently say that Millennials and Gen Z are still finding our footing with all of the technology — and constant connection — at our disposal.

We both watched as social media and the algorithm change the way we think. We saw the rise of content creators and heavy politicized messages filtered to us. We doom scrolled and curated and shared and liked and kept trying to find the balance that would finally feel just right.

We're all in this very online experience together at the end of the day.

Millennials And Gen Z Value Flexibility

Going from my 20sto my 30s has seriously made me realize the flexibility I crave as a Millennial. It seems like I was born to look at certain parts of traditional ideals and go, "That's not going to work for me." It's even more evident now that I'm older and have found that my approach to my career and family life doesn't completely match what I was taught. And it's not that different for Gen Z either — check it out!

Approach To Careers

Over 80% of both Millennials and Gen Z believe it's important to work somewhere that gives us a sense of purpose. According to Deloitte, both generations also value work/life balance that doesn't require us to pretend that we don't have a life or other obligations outside of our jobs.

As a mom, this was one of the biggest issues I faced because I realized how much society doesn't make room for working parents. The amount of times I heard a random stranger say, "Parents should plan for one person to be at home" as if that solves the problem is ridiculous.

Whether we have families to raise, hobbies to juggle, or anything in between, it's clear that Millennials and Gen Z crave balance in their careers.

Views Of The Nuclear Family

Speaking of motherhood, I like to think Millennials and Gen Z aren't so different when it comes to our perspective of the nuclear family. Studies via Pew Research Center show we're not as judgmental about single-parent homes than prior generations, and that only 44% of Millennials were married in 2019.

This idea that families are supposed to look a certain way in order to be legit is something Millennials and Gen Z continue to raise their eyebrows at — and even scoffed at — but not because we don't value family. We're just less likely to stress ourselves out believing we're failing or behind because we don't have or want the traditional nuclear family model. Both generations approach relationships and family on our own terms.

Millennials And Gen Z Gravitate Towards The Same Pop Culture

Did you know almost half of Millennials love listening to music in our spare time (via Spotify), while 43% of Gen Z loves to stream it (via EMarketer) as well? It seems like music still makes the world go around.

Besides that, Millennials and Gen Z are still the driving force behind what's considered in or out in pop culture. Gen Z is usually regarded as being tastemakers on TikTok, but reporting from Ad Newsshows that Millennials are "...2.3 times more likely to be the ones fueling this online content engine by posting videos and tagging brands."

Basically, we're both moving the pop culture needle forward, consuming and driving the trends across platforms! So remind me, how different are we again?

Millennials And Gen Z Value Diversity And Inclusivity

I grew up during a time where certain internal biases were stated as facts and it was always handful of weird pills to swallow. I couldn't understand why I'd hear "Love thy neighnor" in church only to watch some of the same people blatantly treat the LGBTQ+ community in hellish ways. We could talk about what's in the Bible all day long, but I've never been a fan of picking and choosing who's worthy of being treated with love and respect.

It's clear I'm not the only one who rejects those notions, though. First of all, more young adults are identifying as queer than ever. In 2022, 19.7% of Gen Z and 11.2% of Millennials identified as part of the LGBT community compared to 3.3% of Generation X and 2.7% of Baby Boomers (Gallup).

Outside of sexual identity, there's also the racial aspect of how accepting Millennials and Gen Z are. According to reporting from Built In, 48% of Gen Z are racially diverse, and Millennials are 19% more racially diverse than Baby Boomers. This leads me to believe that both generations know that the world doesn't look a singular way — and therefore respect and understand that diversity even more than previous generations.

These shared qualities and values are just another way that Gen Z and Millennials are more similar than they are different at the end of the day. But in the ways we are different — well both generations would know how to celebrate that diversity, now wouldn't they? 😉

Millennials And Gen Z Aren't Fans Of Injustice

Compared to prior generations, Millennials and Gen Z have found ways to speak out against injustice. Both generations believe that systemic racism is still an issue in society (via Forbes) with 92% of Gen Z willing to be a part of public protests (via Oliver Wyman Forum). Despite the higher number of Gen Z that are actively participating in protests, Millennials have changed their tune.

Social justice organization, Points of Light discovered that 50% more of Millennials believe in civic engagement now that we're living in a post-pandemic era, which isn't hard to believe. We're in the midst of a great political, racial, and social reckoning that's causing more younger people to speak up than before.

A part of me is keeping hope alive that this Millennials vs. Gen Z debate doesn't take away from all of the ways we can align to continue changing outdated ideals and policies. It seems like together, we can create a positive change in the world around us.

Cindy Belardo, 26, and Drew Jarvis, 23, might have come up with the Sunny Cup from opposite sides of the country, but both knew they needed to find a solution for traditional menstrual cups that just weren’t meeting their respective needs.

“I had not learned about menstrual cups before, and was so intrigued,” said Belardo. “But, the learning curve was something that was not ideal for me, and I really wanted to make it work. I knew that others would run into the same problem.”

Menstrual cups were downright frustrating to use.

“When I went to try menstrual cups, I was a little bit intimidated, but I was very willing to at least give it a shot. I spent an hour in the bathroom trying to put it in. I was laughing and crying, like “what the hell is this thing?” said Jarvis. “I ultimately realized, there's not really been much innovation with a period cup in years.”

That’s why they’re not only providing better solutions with Sunny, but working toward a more sustainable, more effective, and overall more inclusive approach to periods.

One menstruator will use an average of 9,120 tamponsor pads in their lifetime. More often than not, these single-use products (which are 90% plastic, BTW) end up in landfills, taking anywhere from 500 to 800 years to decompose, though plastic never truly decomposes.

In addition to the raw materials used to make tampons and pads themselves, manufacturing practices suck up energy and water sources, contributing to carbon emissions.

Menstrual cups can be reused for up to a decade with a lot less of an impact on the environment, but a very slim percentage of menstruators are actually using them. The Sunny Cup is reusable for up to a year, replacing an average of 225 tampons that one person can potentially use per year.

“I mean, billions of pads are going into landfills. You're not supposed to flush them, obviously, but people do,” said Jarvis. “After five years of prototyping, research, and development, we finally came up with a design that we feel will help beginner menstrual cup users switch to this really cool, sustainable option that saves you money and saves disposables from going into landfills.”

There’s a bias for tampons and pads because they offer convenience at the tear of a wrapper – but convenience isn't the only factor driving it. Many menstruators simply do not have the luxury of choice when it comes to period products.

This fact became a reality for Belardo in 2018 when she began working with menstruators in India through a research grant. Her team had the opportunity to survey 200 first-time menstrual cup users on their experience with the device.

“One important takeaway was the taboo around periods and the female body. That was not unique to the individuals we surveyed in India – it's here in the US and globally,” said Belardo. “It became very apparent that period poverty is a worldwide issue that needs to be addressed.”

Medical News Today defines period poverty as “the social, economic, political, and cultural barriers to menstrual products, education, and sanitation.” It’s estimated that 500 millionmenstruators around the world lack proper access to a few or all three of these things. Though not exclusively tied to a specific demographic, period poverty is most commonly present in low income, impoverished, and food insecure communities.

“Unfortunately, [period poverty] is everywhere. I think we don't really realize that where there's food insecurity, there’s poverty,” said Jarvis. “That can be in any community. You may not know those people are dealing with those circumstances.”

Period poverty can put a lot of stress on menstruators, depending on their situation. For those without proper access to period products, scarcity can cause physical stress. For those living in poverty, affording period products in the first place can cause financial stress. For those shamed for having a period, the embarrassment can cause emotional stress.

“When you don't have access to period products, a lot of young menstruators will miss school, which is driving a gap in education, and then ultimately leading into a gap in income for people with periods, which is disproportionately women, and is even more challenging for women menstruators of color,” expressed Jarvis. “Of course, that's no place that we should be living in.”

Societal stigmas and myths surrounding menstruation further the divide between menstruators and access to period-related resources. The belief that periods are gross, unnatural, or perverted comes from a lack of education and understanding, according to Belardo.

“We understand that periods are a bodily process that have been punished, stigmatized, and shamed by society, and we committed to educating and working with our community to co-create solutions to unmet needs,” said Belardo. “The only way we are going to see change is if we can shift society's understanding.”

Sunny is combatting period poverty in the states and abroad by simply normalizing periods. In addition to their menstrual cup, they’ve created a graphic novel for young people that aims to educate about periods. They continue to have candid conversations surrounding periods, sexual health, and period poverty through their social media channels. Sunny is also dedicated to donating products and resources to those who need them through Period.org, a non-profit that advocates for menstruators.

In addition to these things, Jarvis and Belardo are ensuring their efforts with Sunny are oriented towards menstruators of all backgrounds in order to serve the community at large.

“It's vital to openly combat the stigma associated with our bodies in order to advocate and sustain our community's mental health. Part of that is being inclusive,” said Belardo. “Truly including everyone in this conversation, cis and trans men, cis and trans women, non-binary folks, menstruators and non-menstruators, lower-income countries and higher-income countries, people of color, et cetera, so that we can normalize our bodies.”

“We've had people get frustrated by that at times. But the reality is, we're a period care company, and we are addressing people with periods and we're not going to exclude anyone from that,” said Jarvis. “We knew that it was going to be political because we wanted to include everybody with a period. We realized that while we are passionate about earth-friendly products, inclusive education, and global impact, we were always going to be more than just a period product.”

1. Talking About Money Can Expose Hidden Feelings

It's impossible to know how someone feels every second of the day, but we probably all think we have a good understanding of the people we're close to. But people are capable of hiding how they feel about something or burying their discomfort until certain situations 'expose' them. Why does it seem like money has a way of doing this?

Both Irwin and Dunlap agree that "money is taboo," leading people to avoid conversations about it. "Data tells us that we are more likely to talk about any other taboo topic—sex, politics, religion, even death—before we’ll talk about money," says Dunlap. West agrees and says, "Money is like that one friend who’s incredibly helpful but totally untrustworthy—everyone likes what they bring to the table, but no one wants to talk about them directly." Did you think of someone specific? It's okay because I did too!

The problem is that money can make "hidden insecurities come out, old sibling rivalries rear their heads," and more, according to West. "Even something like 'who paid for what' can suddenly become a life-or death conversation," she says. It's strange because Irwin says a Wells Fargo study shows that "many Americans across all ages are worried about money," proving we're all thinking about it, despite our avoidance issues.

2. And Money Can Also Create Unease In Conversations

"When we don’t have open conversations about money, we’re left to navigate it on our own, which can keep us feeling underpaid, overworked, or unsure about our financial situation," Dunlap points out. She feels "discussing money requires a huge amount of vulnerability" which "isn't easy for everyone." You may have seen how other topics are swept under the rug by family members or friends based on reasons they're not ready to talk about.

Though Irwin believes saying something like saying, "'Here's what's keeping me up at night' or 'here's what my goals are' could strengthen connections," Dunlap knows that "shame, comparison, or fear of judgement" can cause people to remain tight-lipped about their finances.

If you've experienced a weird moment because of money or had to be the unfortunate witness of an awkward conversation, my apologies. It's not fun no matter who's involved because, unfortunately, "money carries layers of emotions, like pride and insecurity, that turn simple conversations into potential minefields," says West.

Dunlap says there's a silver lining if people are willing to be open, however. "The key is respecting each person’s comfort level, and encouraging openness if they're willing to meet you there. It’s not going to be perfect at first, but by starting to share more about your own financial experiences, you can start to break the cycle of shame and fear around money. You might be surprised at how quickly others are willing to open up too."

3. Making Assumptions About Other’s Money Status And Financial Situation Can Lead To Disrespecting Boundaries

No one's saying you should never lend friends money, but being mindful about the decision is worth noting. West feels "it's complicated" while Dunlap believes the issue "can be tricky." There's a chance a low-key loan becomes an expectation that you should dish out money every time someone needs help, even if you're trying to maintain your own bills. "Lending money to a friend is like sharing your Netflix password—simple in theory, but one wrong move, and things get weird," West forewarns.

Dunlap also says, "When you lend money to someone close to you, there's always the chance that you won’t get it back. You want to be mentally prepared for that! Otherwise, it can strain your finances and your relationship. The emotional toll can be just as heavy, as unpaid loans can lead to resentment or awkwardness." It's not unusual to hear about certain friends being unreliable in more ways than one after you've let them borrow something. Unfortunately, Irwin indicates this happens because some people "don't expect to give something back that they've borrowed."

Because of this, Dunlap thinks "it's best to avoid loans if possible." Should you decide to move forward with helping out a friend who's in a bind, make sure you're both in agreement about repayment and what to expect moving forward. West says "having clear terms" or "gifting a small amount if you can afford it" is like "buying their friendship insurance." The latter is something Dunlap agrees with because it "helps prevent resentment if they can't pay you back as planned." Plus, she feels it also "keeps the loan within an amount you're okay with potentially losing."

4. Lending Money Is A Slippery Slope That Can Lead To Distrust And Resentment

It's amazing how money can lead to a friendship breakup if boundaries aren't created or respected. "Money is a sneaky little devil who can push everyone’s buttons. It can cause resentment if one person feels taken advantage of or someone’s 'casual loan' becomes an epic saga of unpaid IOUs," West says. Not only that, but Dunlap knows "money can strain relationships between friends and family by highlighting differences in how we value it, expect to use it, or feel about sharing it."

Friends and family members shouldn't take each other's kindness for granted, but human nature is fickle at times. That's not an indicator that someone you love is a "bad" person, but they may feel like you owe them your time and money. However, Irwin says this isn't "de facto that that person is entitled." Still, Dunlap is more than aware how this can play out. "For example, it can lead to resentment if one person is always the one picking up the tab, while another might feel uncomfortable or indebted because they’ve been helped financially," she says.

On the other hand, it can show up a little differently in families. She adds, "Issues like unequal inheritance or constant requests for financial help can lead to deep emotional tension. Money can also become a tool for power imbalances, where one person feels in control and the other feels dependent, and that can mess with trust and respect."

When certain negative patterns show up in relationships, it can make people decide to take a step back from being available. "And once distrust settles in, it’s hard to shake; nobody wants to be 'that friend' who’s forever dodging a Venmo request or getting side-eye from relatives at every family BBQ," West points out. How many times have you built up a wall with the people you love because of repeated unreliability or the expectation that you're supposed to help them whenever they ask? If you didn't hesitate to think of a moment, you're living proof that distrust can affect even the closest relationships.

Dunlap says, "When money becomes a main factor in a relationship, it can overshadow the connection, making it difficult to maintain genuine trust and understanding. You can avoid this by having open conversations with friends and family about your financial situation. Clear communication can help keep the focus on the relationship, not the money."

5. You Can Worry You're Not A Good Friend Or Family Member For Setting Money Boundaries

Worrying about how other people feel can keep us from setting boundaries. There's a difference between being an empath and a people pleaser, but it's easy to blur the lines. You can absolutely empathize with someone's hardship while knowing you're not in the position to lend the amount they may be looking for. I'm a huge fan of saying that two things can be true at once — because they can.

Irwin says you need to "address the conversation head on" if a friend does ask you for a loan. Your response may depend on if their ask was "emotionally-charged or "in an uncomfortable environment," but Irwin doesn't recommend ignoring it. If you're not in the space to respond, here's what she suggests saying in a "timely" fashion:

1. "Hey, I need time to think about this. Let me get back to you."
2. "We can help you, but here are our boundaries."
3. "We see and understand you, but we're unable to help because we're trying to pay off debt or save for _______."

Yes, Financial Boundaries Are Essential

Don't think you need to create financial boundaries for yourself and your friends? Think again. West says, "Establishing some ground rules is a lifesaver—think of it adding airbags to the friendship. Setting boundaries early on, like when you’re still in the happy, non-monetary part of the relationship, can protect both sides if things get sticky."

Here's how she advises you proceed with creating boundaries:

1. Keep it light and be honest; you’re not making a prenuptial agreement here, just letting them know you’d like to avoid “financial fireworks” later.
2. Say, “I’m your friend, not your ATM.” It’s funny but helps set the tone that your wallet isn’t a free-for-all.
3. Set a gift cap, such as, "I'm happy to chip in for brunch or a birthday, but let’s not get into home-loan territory.”
4. If you do lend, draw up a repayment plan. Think of it as adulting with a side of accountability to avoid “accidentally” becoming their financial fairy godmother.
5. Limit talk of big financial choices unless you’re genuinely invested together. After all, nobody needs to know how much their friend spends on avocado toast or scented candles, let alone home renos.
6. A little humor and some boundaries go a long way. You’ll save yourself a lot of awkwardness and keep the friendships intact, one “non-loaned” dollar at a time!

Tori says, "It's so important to have transparent conversations about money, set clear boundaries, and ensure that relationships are prioritized in any money exchange." Here are a few things you can try:

1. Communicate about your budget with a “gratitude sandwich.” Say you’re invited to an outing—a dinner, or a sports game—that isn’t within your budget right now. You can respond with the “gratitude sandwich.” The “pieces of bread” are positive, and the “meat” is the money thing you’re scared to say. Thank that person for the invite, let them know it’s not within budget right now, and then offer a cheaper alternative, reassuring them that you’d really love to see them. Offering an alternative reminds that person that declining their invitation isn’t about them, and you still care about them. In doing so, you prioritize your budget AND your relationship in the process.When in doubt, remember that no is a complete sentence. You don’t need to overcomplicate things, and sometimes a simple “no” is all you need.
2. Set expectations early. When planning trips with friends, discuss the budget and how costs will be split upfront. Having these conversations ensures that everyone is on the same page and helps avoid any misunderstandings. It creates a supportive, stress-free environment where everyone can enjoy the experience together without any added worries!

The Final Verdict:

Once you've weighed your options and considered what you need, you can decide to loan your friend money. However, Irwin wants you to consider being formal about it. "You can absolutely draft a promissory note or loan agreement so that your friend knows how serious you are about your boundaries. If you want, you can also put an interest rate on it," she says.

It's not to hurt your friend's feelings, but it is a boundary you can put in place so they think to themselves, "This is truly a loan because I'm borrowing money with the intent to pay it back," Irwin says. It could change the dynamics of your friendship, but it's more about being "purposeful about the language being used" so you and your friend can both move in the "right direction," according to Irwin.

If the idea of creating a 'loan agreement' sounds icky to you, Dunlap wants you to seriously consider it as "an extra bit of protection." She says all you need to do, again, is "try setting up a simple contract to outline repayment terms" because it "can help both of you stay on the same page and avoid misunderstandings down the road."

Her ultimate piece of advice? "Only lend what you're comfortable giving and potentially losing, and keep open communication to maintain trust and respect in the relationship."