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4 Best Cities for Millennials Paying Off College Debt

4 Best Cities for Millennials Paying Off College Debt

We millennials are a diverse group, and nobody knows this better than we do. Even so, there are some things that we can all unite around, things that every one of us gets. These Millennial factors are making a huge difference in our moving trends. Here’s what Millennials are thinking about in a move and which cities provide the best environments for emerging adults.

Paying Student Loans

Student debt seems to be the one unavoidable facet of Millennial life. Some people like to write the growing debt off as the laziness of our generation, but we know better. We know that we’re out there busting our asses and looking for the most effective ways to get our debt paid off, and fast.

Turns out, this is having a huge impact on the cities that we like too. Millennials are loving these often overlooked cities with lots of great employment opportunities and a low cost of living; the perfect storm for quick loan repayment.

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Raising a Family

It’s tough to raise a family these days and nobody knows that better than new parents. Choosing the best city to raise a family in is hard work. Aspiring parents should focus on cities that offer good schools, quality children’s healthcare, and tons of other parents in the exact same situations that you’re in. And don’t stop at high school education when looking for a city with good local education facilities. We know all too well that having to look out of state for a good university can be financially devastating.

Although we don’t think of it as having a huge direct impact, a city that’s easy on parents is critical as well. Look for cities that will treat you right and avoid triggering that ‘angry mom’ gene.

Cities with Culture

All those student loans weren’t for naught. Millennials are by far the most educated generation ever and our taste for culture is reflected in that. We’re not satisfied with earning a paycheck and then plopping down in front of the tv. Millennials love food, wine, music, and everything else that goes into a highly cultured city. We’re not afraid to move into a fixer-upper, if it means living in a city with a well-established cultural base.

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Unfortunately many of us have seen firsthand that our top cities for culture, like New York or Washington D.C., are way out of our budget. Meanwhile, the cheapest cities aren’t always the most family-friendly. The best cities for Millennials have to bring it all together into a well-wrapped package. Taking everything above into account, here are my top four cities for those of our generation.

1. Houston

This is no shocker. Ranking well in all three of our factors, Houston is quickly becoming a top city for young people. Its prime gulfside location keeps a steady flow of unique culture coming into the city, not to mention loads of great fish to fuel our shared craving for late night sushi. There can’t be any other city in the world, where you can get incredibly fresh sushi and authentic Texas barbeque on the same block.

On top of that Houston had a remarkable 3.7% unemployment rate in 2015, almost two percentage points below the national average.

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2. Dallas

It seems fair to say that Texas, once the paradigm of rural America, is making a name for itself in in the urban domain. First Houston and now Dallas, another hub of culture and beautiful mixing place for North and Central America. Add to that Dallas’s award-winning schools and its healthy 3.8% unemployment and you’ve got another great match.

3. Boise

I’ve gotta throw in a little hometown pride here. Boise isn’t quite the metropolis that popular Northwest cities like Seattle and Vancouver are, but it’s also not so remarkably unaffordable. Millennials are starting to realize this and Boise is growing like crazy, creating interest in new commerce centers and bringing great culture into the city. Local entrepreneurs are also taking advantage of the boom with popular destinations like the Boise Fry Company.

If that’s not enough, Boise beats every other city on this list with a whopping 2.6% unemployment and tons of affordable housing.

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4. Philadelphia

The only Eastern city on this list, Philly sets itself apart from its neighbors with affordable housing. It packs all the cultural punch of New York or Boston without the huge price tag. There’s absolutely no doubt that Millennials are already making their mark in Philadelphia and taking advantage of a world class city, at a discount.

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Last Updated on February 15, 2019

Why Is Goal Setting Important to a Truly Fulfilling Life?

Why Is Goal Setting Important to a Truly Fulfilling Life?

In Personal Development-speak, we are always talking about goals, outcomes, success, desires and dreams. In other words, all the stuff we want to do, achieve and create in our world.

And while it’s important for us to know what we want to achieve (our goal), it’s also important for us to understand why we want to achieve it; the reason behind the goal or some would say, our real goal.

Why is goal setting important?

1. Your needs and desire will be fulfilled.

Sometimes when we explore our “why”, (why we want to achieve a certain thing) we realize that our “what” (our goal) might not actually deliver us the thing (feeling, emotion, internal state) we’re really seeking.

For example, the person who has a goal to lose weight in the belief that weight loss will bring them happiness, security, fulfillment, attention, popularity and the partner of their dreams. In this instance, their “what” is weight-loss and their “why” is happiness (etc.) and a partner.

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Six months later, they have lost the weight (achieved their goal) but as is often the case, they’re not happier, not more secure, not more confident, not more fulfilled and in keeping with their miserable state, they have failed to attract their dream partner.

After all, who wants to be with someone who’s miserable? They achieved their practical goal but still failed to have their needs met.

So they set a goal to lose another ten pounds. And then another. And maybe just ten more. With the destructive and erroneous belief that if they can get thin enough, they’ll find their own personal nirvana. And we all know how that story ends.

2. You’ll find out what truly motivates you

The important thing in the process of constructing our best life is not necessarily what goals we set (what we think we want) but what motivates us towards those goals (what we really want).

The sooner we begin to explore, identify and understand what motivates us towards certain achievements, acquisitions or outcomes (that is, we begin moving towards greater consciousness and self awareness), the sooner we will make better decisions for our life, set more intelligent (and dare I say, enlightened) goals and experience more fulfilment and less frustration.

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We all know people who have achieved what they set out to, only to end up in the same place or worse (emotionally, psychologically, sociologically) because what they were chasing wasn’t really what they were needing.

What we think we want will rarely provide us with what we actually need.

3. Your state of mind will be a lot healthier

We all set specific goals to achieve/acquire certain things (a job, a car, a partner, a better body, a bank balance, a title, a victory) because at some level, most of us believe (consciously or not) that the achievement of those goals will bring us what we really seek; joy, fulfilment, happiness, safety, peace, recognition, love, acceptance, respect, connection.

Of course, setting practical, material and financial goals is an intelligent thing to do considering the world we live in and how that world works.

But setting goals with an expectation that the achievement of certain things in our external, physical world will automatically create an internal state of peace, contentment, joy and total happiness is an unhealthy and unrealistic mindset to inhabit.

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What you truly want and need

Sometimes we need to look beyond the obvious (superficial) goals to discover and secure what we really want.

Sadly, we live in a collective mindset which teaches that the prettiest and the wealthiest are the most successful.

Some self-help frauds even teach this message. If you’re rich or pretty, you’re happy. If you’re both, you’re very happy. Pretty isn’t what we really want; it’s what we believe pretty will bring us. Same goes with money.

When we cut through the hype, the jargon and the self-help mumbo jumbo, we all have the same basic goals, desires and needs:

Joy, fulfilment, happiness, safety, peace, recognition, love, acceptance, respect, connection.

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Nobody needs a mansion or a sport’s car but we all need love.

Nobody needs massive pecs, six percent body-fat, a face lift or bigger breasts but we all need connection, acceptance and understanding.

Nobody needs to be famous but we all need peace, calm, balance and happiness.

The problem is, we live in a culture which teaches that one equals the other. If only we lived in a culture which taught that real success is far more about what’s happening in our internal environment, than our external one.

It’s a commonly-held belief that we’re all very different and we all have different goals — whether short term or long term goals. But in many ways we’re not, and we don’t; we all want essentially the same things.

Now all you have to do is see past the fraud and deception and find the right path.

Featured photo credit: Unsplash via unsplash.com

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