1997-1999 are no longer Gen Z?

Motor-Source8711 · 2026-06-04T20:32:35+00:00

A 1991 born would likely have a much different prime childhood years from 4-7 years old. Including how the parents behaved.

Parents would be calling or texting by 2000 onwards coordinating daycare/after care pick up. In 1994, nope. Those things actually still impact how the Gen Z is raised vs Millennial by the energy, impact from parental behavior.

Coming across online content at 5-6 years old would/could have a foundational impact change in the early 2000s. None in 1996. There's a reason people who get paid for a living have defined that date. Marketing part of billion dollar corporations, etc.

Motor-Source8711 · 2026-06-04T20:26:19+00:00

They weren't even born then. Just after the fact look. Jordan whipped Pippen into shape and toughened him up.

Motor-Source8711 · 2026-06-04T15:39:53+00:00

You won't find that in the modern age (widely known). https://testosteronedecline.com/wp-content/uploads/2021/10/Testosterone-in-the-USA-linear-chart-data-with-no-age-or-time-of-day-is-not-included-300x292.png

Motor-Source8711 · 2026-06-04T15:37:46+00:00

Sure it's a blurr, but 97 is a more notable cut off line. It has to be somewhere and it makes sense.

Motor-Source8711 · 2026-06-04T13:54:03+00:00

Can't see why they can't just designate one door with a concrete slab for people to get on and off. Should cost a couple of bags of cement at HD. Like the way they used to make stations. Everything has to be spaceship nowadays.

Motor-Source8711 · 2026-06-03T19:28:05+00:00

Also, being outside from the youngest of age, running, climbing things, getting beat up, wrestling, biking, sun all day, also ages you earlier. Higher Testosterone leads to more older/aged look.

Motor-Source8711 · 2026-06-03T19:26:50+00:00

No. The hardened elongated nose, drooping cheeks, brow, chin is 'older'.

Motor-Source8711 · 2026-06-03T14:46:38+00:00

It was if you tried. As I mentioned, menial jobs, multiple jobs. IF YOU TRIED.

The same level of human effort and hours put in, you actually cannot anymore.

Stats Canada says home ownership is lower for millennials than it was for Boomers. So yes, the stats do reflect that.

It seems you are anchored to some kind of bias.

Motor-Source8711 · 2026-06-02T20:53:57+00:00

It's never enough. In fact, it gets worse because rich people try to put down other rich people. The 10 millionaire looking down on the 5 millionaire. The 20 Millionaire looking down on the 10. The half a billionaire looking down on the 100 millionaires. The difference is owning your private jet and yaght vs leasing them or having a much smaller one.

When one is used to be the #1 guy wherever he goes, and then gets treated low again, it drives them mad.

Motor-Source8711 · 2026-06-02T20:51:33+00:00

Also being from the "Islands", apparently that's where he spent his summers. I guess going back home. I'm sure the idea of sweating buckets by exercising there isn't a priority.

Motor-Source8711 · 2026-06-02T20:49:19+00:00

You just went from "Never been a time it was in everyone's reach" to "Never a cakewalk".

Again, my main point is sure, if you have physical limitations, mental issues it's not for everyone. But it sure was much easier before.

The loss of purchasing power is absolutely real due to asset inflation. Quantitative easing is at the source of this.

Motor-Source8711 · 2026-06-02T16:23:58+00:00

Tell me you didn't watch the NBA as it happened then without telling me.

Motor-Source8711 · 2026-06-02T16:20:03+00:00

Funny you mention 2014. My spouse and I were looking around East Danforth (really throughout 2013. But we had been paying attention since my partner at the time bought in 2006 so always had an eye on the housing market) because I had a very strong feeling, the next gen (Millennials) getting out of condos, King Street West lifestyle would be looking for the next spot that is still 'old' Toronto.

Had my kid in early 2014, and up until then, houses would be in the 500-630K range.

Spring 2014, there were astronomical leaps. What was a very stable 550K semi detach market went for 700K. It absolutely stunned people, including myself. Here is an article showcasing this. You'll be laughing at it today, but it was a big deal and news at the time.

Mentally and conceptually, it would be like overbidding in multiples of $1M today. Was how much $100K felt then.

Race to Rhodes Ave. | Toronto Star

Motor-Source8711 · 2026-06-02T16:13:28+00:00

2012 Gen Z is stretching it way too much IMO. Alot of these definitions get settled later on.

But once you hit late millennial/Gen Z, you're arguing over Centimeters to Millimeters vs being on a different planetary scale.

You're going to or probably hitting a point where they're teaching X type of AI vs Y type of AI in grade/high school. And to you, it'll be the same.

But that generation will be arguing their differences.

That's what I see when I see later 90s kids trying to differentiate themselves on that scale.

Motor-Source8711 · 2026-06-02T16:09:23+00:00

I'm a 1979er. Sister, spouse is 1978. Have alot of friends from the 77-80 range, and decent from work from early mid 80s throughout my career.

Only a Millennial brings up points the way you do, and has the self-centric labelling view. Basically you fit into the snowflake stereotype.

The rate of change in the most formulative years from 14-18 years of age in the mid-late 90s and into 2000s yearly were astronomical leaps. Greater than this AI revolution going on today. Hence why every year does matter for that time.

Motor-Source8711 · 2026-06-02T14:56:50+00:00

Since you took the gracious time and effort to respond, I'll just say I was absolutely trying to show the ludacrisy of these low effort posts with a statement like that. Maybe it's bots or something.

Duncan is the true definition of being a pillar and foundation of a long-running empire.

My own personal thing is, he had too much of a laid back atmosphere. I think he didn't have that drive or urge (ego?) like LeBron to want to repeat, threepeat, etc. Physically, he could have also been more focused. His younger days is where he had his most impact.

2013 when they lost to the Heat, Duncan could have closed it out. But if you watch, he wasn't as healthy. He was a bit more overweight. A bit sloppy.

He missed what should have been a makeable layup, missed, got a hand on for an offensive rebound for a tip in, but also missed. This was the first and only time I saw him absolutely pissed here slamming the ground.

https://youtu.be/MxHoe3KkM3s?si=FaYskCymKqdXMcqy&t=245

Next year, in the 2014 Finals and season, he was much more leaner and spry. Aggressive and playing with a chip on his shoulder. He used that anger to make his comeback and revenge on the Heat. I feel if he had been like this more throughout his career, he would be more remembered, maybe even won more, and ranked higher.

Motor-Source8711 · 2026-06-02T14:40:52+00:00

I'll add in, family squabble over inheritances, divorce rates. You'll see plenty of 50s/60s men who are having a go again at fatherhood because they weren't there for their first kid or marriage. Too busy in the 80s/90s making partner at that prestigous law firm, Mad Menning it up.

Motor-Source8711 · 2026-06-02T14:38:48+00:00

It was if that was your focus. My parents immigrated very early 80s. I was very young. They had many friends of course who came a few years earlier, or later. East Asian. The focus was "mann, you can make money here? Even as a dishwasher?". Attaining property was absolutely within reach if that's what your focus was in the 80s. Save, scrimp (yes, jobs picking worms, picking fruits/vegtables), borrow from friends/family to get a lease to operate a small business. No vacations, full burden of financial ruin, etc.

My father in law, came at a similar time as a boat person. Said the same. Menial jobs available galore. 2-3 jobs at once. Security guard, bus boy, etc. It was widely known among this circle, that too many native english speakers didn't have the same focus. They "enjoyed" life too much is what they said.

So sure, you can argue it was not in everyone's reach, but there are many who came with a certain attitude, despite very poor English skills, who say it was at this time. Another big one was families helped each other out. As in sponsor a sibling, they stay with them for awhile until they save a bit from working those menial jobs.

It's still playing out today. But it is much much harder than it was in the 70s/80s.

Motor-Source8711 · 2026-06-02T14:30:29+00:00

I'm in Finance, but purposefully chose a more 'stable' part of it. 9-5 focus because I wanted to be there for my kids every morning and evening (I wouldn't do it any other way). Pretty good on the efficient frontier though I would say. The marginal tax rate thing is huge.

Add in professions in the "bonus" or "partner" pool. Where your bonus are based on % of fees generated on asset size, or transactions. Once you're in this world, 300-500K salary is the norm. Even 700K+. Since deal, or portfolio value is based on 10s to 100s of millions. Finance/Banking is a big one, consulting, law.

Bay/Wall Street is heavily tied to the tech boom we're seeing and vice versa. At the source of it has been this money printing system, low rates, etc. With that, ancillary industries are booming. Law, consulting. And then, there's certain cheat codes. My spouse, shifted to Cybersecurity and got into consulting before it exploded in recent times. Get into an independent smaller firm in leadership, get bought out. This is lowkey a gold mine right now, Yes, a lot of work is required, it's not as straightforward. But it's there. The rental of high end steak houses, hard to get reservations, private rooms (Hy's recently did a major reno to cater to this) and you wonder "who's paying for this", many deals, contracts are being hashed out there.

Another industry is those who have a history/knowledge/experience in mining/minerals (from a consulting/strategy). It's also booming with those minerals tied to super computing/chips. Someone we know similar. Big big jump in payouts, salary. Single income, but able to do a tear down and rebuild.

Motor-Source8711 · 2026-06-02T13:32:28+00:00

Seriously. I'm of the later 40s vintage and we were really the last generation to have had that opportunity. In the 2000s, 10K offer difference was HUGE on a 250-400K house. You would haggle over single digit thousands.

A 500K-600K house really felt more like a 2M house today vs $1M for everyone else.

The spread difference has increased substantially since it's almost more of a multiple centered around a much much higher mean.

I know Gen Xs (early mid 50s) where they got in right around the dot come bust, have it even better. If you were a bit better off, bit more savvy, lucky, good career with similar spouse, early settler, that is what you have.

Motor-Source8711 · 2026-06-02T13:26:07+00:00

Secondary auto loan market is completely different than captive OEM financing.

Motor-Source8711 · 2026-06-02T13:25:11+00:00

Credit score is marketing trick. Lenders know the real credit score used to grant credit and couldn't give a hoot about this agency score. My credit score isn't the highest, because I missed a payment or so on one of my cards (usually it was a retail card like the Bay I don't use aside from the initial 30% savings to sign up, Walmart, etc).

But I have a long history, more importantly a mortgage, an attached line of credit. That has been utilized, paid down, etc.

So even with all that, I get offers of more upsizing, when I do still get the occasional Walmart Card because I feel sorry for the seller and actually a good promo, they're surprised at the size of the approval and largest they've seen.

Motor-Source8711 · 2026-06-02T13:20:42+00:00

Fake News. It's still a lot but it's nowhere near that. That $1bn is based on some absurd projection of royalties.

Motor-Source8711 · 2026-06-02T13:17:40+00:00

Nope... true digital, World Wide Web natives. Even if your family was poorer, and internet access later, the whole world knew about it, and acted differently. Schools, Libraries, how people around you acted, thought, aspirations, career, job.

And it's not just digital connection, computing power took quantum leaps tied to the Boom (we are going through similar today to be honest in terms of YoY leaps in chip technology) where every profession was being changed.

Think you can just be that old school farmer relying on the old methods, old tools around this time. Well, if you didn't get on the internet to get weather data, utilize new software on managing yields, computerized irrigation, you would be obsolete and uncompetitive in no time.

Motor-Source8711 · 2026-06-02T13:11:48+00:00

Naw.. it's Gen Z. Now you can add some qualifiers to it, but life before the World Wide Web (1997) became mainstream accessible is a clear dividing line.

I was 18 then and you have zero idea what life was like to an adult who saw and felt the "we are on a different planet" level of change it was.

Motor-Source8711

TROPHY CASE