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To The Class Of 2020 – Things Are Going To Be Bad, But You Might Come Out Better For It

Last Updated on August 28, 2021May 28, 2020 Leave a Comment
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

I recently watched a video on YouTube from CNBC Make It entitled “What It’s Like To Graduate Into A Recession” and it got me thinking about my own experience graduating into a terrible recession. These students from the class of 2020 described the troubles they were facing. Many of them were moving back home with their parents. They had no money. They were unemployed. And perhaps most devastating for them, employers had rescinded their job offers.

It’s a testament to how good the economy has been that these kids already had jobs waiting for them. When I graduated from college in 2009, no one I knew had job offers. At that point, the financial crisis was in full force. Lehman Brothers had collapsed a year earlier. The S&P 500 had dropped nearly 50% over the past 18 months. Most of us ended up moving back home, grabbing whatever low-wage jobs we could get. If we were lucky, we got unpaid internships to try to make our resumes look better. And I thought this was all completely normal for a new college graduate – after all, I’d never graduated from college before. 

Anyway, I can old-man shake my fist at these young rugrats and tell them how much harder things were in my day and how I had to trudge 2-miles to class up snow-covered hills with no iPhones, or Uber, or Spotify to listen to. But this isn’t a competition about who had it worse. 

The truth is, we’re in the same boat. In 2009, I dealt with a world that ruined my start into adulthood (or whatever you call those first few years out of college). It was tough being in the class of 2009. It’s just as tough being someone in the class of 2020. But there can be benefits too.

The Things That Will Be Bad About Graduating In 2020

First, let’s get into the bad stuff. Things are going to be rough for these new young people entering the world. Here are some of the negative impacts that will result from graduating in 2020 – some obvious, some perhaps less obvious.

You’ll be unemployed or underemployed.

Unless you get lucky, more likely than not, if you’re in the class of 2020, you’re going to end up being unemployed, or at best, underemployed. Interestingly, underemployment is going to look very different right now. You’re probably not going to have an easy time grabbing a job as a waiter or bartender or barista or lifeguard at a pool.

Instead, the new path to underemployment is going to be doing things like working in a grocery store or packing boxes at an Amazon warehouse or doing stuff in the gig economy (relying on the gig economy might not be the worst thing though – more on my take on that in the next section). My guess is that if the economy continues to drag on, you’re going to see companies start pushing unpaid internships. The people that don’t need the money will take these internships too, if for no other reason than to avoid the resume gap.

A lot of you are going to end up with massive student loan debt.

When you’re unemployed or underemployed, a natural instinct is to ride things out in school. This is essentially what I did in 2009 – I didn’t have a real job and didn’t have any real prospects, so I took the LSAT and went off to law school. Law school is one of those professional programs that a lot of people stumble into simply because there aren’t any prerequisites to get in – you can literally study anything in college and still go to law school. 

Even though I had a 50% scholarship, I still had to take out $87,000 worth of student loans. Most of my classmates came out with much more than that. By the time I got out of school, the recession was subsiding. But now instead of having no money, I now had no money and was in the hole for almost 100 grand.

Law school and other graduate school applications reached their peak in the years right around the financial crisis. I’m willing to bet that in the coming years, law school and business school applications will see another peak as more people apply to them in order to ride out the downturn.

I like school – if I could, I’d be a student forever. But going to grad school just to avoid a recession is likely going to be a mistake. The problem is, most people in a recession head off to grad school for the wrong reasons – not a passion for anything, but really just because it’s something they think they can do. Along the way, they take out six-figures worth of student loans, then find out years later that it wasn’t worth it.

My advice, if you’re going to go to grad school, you better really have a good reason to go.

You’re going to hit life milestones later.

This is a common talking point whenever you talk about millennials and younger generations – how we’re hitting life milestones later. In the past, people would talk about all the traditional markers of adulthood that people are supposed to check off. Things like getting your first job, buying a house, having kids, etc.

A lot of these life milestone things, I think, aren’t really that important – more a product of an earlier generation that didn’t have as many options. Even with a good economy, many of us would choose to push these life milestones back simply because they’re less important to us. Still, if these life milestones are things you care about, it’s likely you’ll be behind on them simply because your adult life started later.

Your lifetime earnings are going to be lower – and you might never catch up. 

When I graduated from college in 2009, I found myself with a very skewed view of what I thought was a good salary. In bad times, salaries – especially starting salaries – see marked declines. And those first numbers you see impact you for the rest of your life. I remember being excited for the chance to get a job paying $15 per hour (or about $31,000 per year). One of my best friends – any Ivy league graduate – got a job paying around $40,000 per year. We all thought he had hit the jackpot. 

Studies show that graduating into a recession has large, negative, and persistent consequences. This all makes logical sense. Your starting salary is likely to be lower. You have to take out more student loans and get more education just to get the same jobs that others were able to get before. This lower starting salary means that your future salaries will be lower too – based around the base salary you began with. The impact of this lower starting salary extends far into your working career, to the point that you might never catch up to peers that graduated in more fortunate times. 

The Class Of 2020 Has Things That Previous Generations Didn’t Have 

That concludes the doom and gloom portion of this post, and while there are real issues for this class, I’m optimistic about some of the things that exist today that didn’t exist when I was a 22-year old college graduate in 2009. 

The first is the internet. Of course, the internet did exist during the financial crisis, but it really wasn’t the same thing as it is today. I didn’t get high-speed internet until I was in high school. By the time I graduated from college, high-speed internet had really only existed in my life for 6 or 7 years. The things that are ubiquitous today – sites like YouTube, Facebook, Twitter – were still in their infancy and people were still figuring out how these sites worked. Netflix wasn’t even a streaming service yet – I’d go over to friend’s houses to watch DVDs that came in the mail.

Given how new the internet really was just a decade or so ago, the idea that you could somehow make a living for yourself using the internet wasn’t a reality for most people. Only the most forward-thinking people could really understand what you could do with it. Contrast that with this new crop of graduates and what they have to work with. They might not be able to get jobs – but they have far more opportunities to create their own jobs.

Smartphones are another technology that didn’t exist during the financial crisis – at least not at the level it is at today. We kind of take it for granted that phones really only become a big deal in the past 5-7 years. I didn’t get my first smartphone until 2013! 

The smartphone might go down as the most important invention in the past 100 years, literally putting the entire world into your pocket. And when you have the world in your pocket like this, you have many more opportunities to create something and get it out there.

The last big thing that this new generation has that I didn’t have is the ability to earn money via on-demand gig economy or sharing economy apps. When I graduated from college, my only option to make money was to find a job that paid me a set hourly wage – typically somewhere close to minimum wage. There was no way I could increase my hourly earnings except by trying to find another job that paid me more (which isn’t easy to do when you’re in a recession). These jobs also had no flexibility. I had to work based on a schedule, which meant I couldn’t use my time in the way I thought would be best.

The gig economy changes that completely. It’s possible to work in small chunks, whenever you want. If you’re good at what you do, you can increase your earnings as well. I’ve always considered myself better than most people at earning money with gig economy apps, and part of the reason is that I’ve been doing them for a long time and know the best way to use them to earn the most money. A lot of people think of apps like Uber and Doordash as time-for-money type jobs, but that’s not exactly right. You’re not exactly trading hours for dollars.

The point is, even though times are tough, those of you in the class of 2020 have more opportunities than people had in earlier generations. The entire world is literally at your fingertips. You don’t need to wait for someone to pick you. As Seth Godin says, you can pick yourself.

Potential Benefits With Graduating In Tough Times 

I wrote about this in another post last year when I was reflecting on the possible benefits of graduating during the financial crisis. As bad as things will be, I do think that graduating during the financial crisis is partially what set me up on the path to financial independence. Think of these benefits that come with graduating during tough times:

1. You’ll be scrappier. I define scrappiness as the ability to make things work, no matter the situation. Those of us that graduated during the financial crisis really didn’t have a lot of choices. We had to figure something out or we were going nowhere. If you’re graduating now, you’re going to get much better at making things work.

2. You’ll be much more humble – and perhaps happier because of it. I’ve always thought there’s a lot of benefit in understanding how to be humble and becoming a big shot right out of the gate can really take away that sense of humbleness. I know that I had this issue when I landed my first real job as a big shot lawyer at a large law firm. My sense of self became tied to my job and the prestige that I thought it gave me. All I did was compare myself to others.

Doing these gig economy jobs helped me to see things differently. It humbled me and gave me more of a level head. After all, it’s hard to be full of yourself when you’re out there being a simple deliveryman.

You should be confident in your abilities. But being successful with money often requires being happy with the things you have and not necessarily always striving for more. Getting knocked to the ground early on might be a good thing – at least in this sense.

3. You’ll have less lifestyle inflation. Lifestyle inflation is the big killer when it comes to money. When times are good, it’s easy to see how fast your lifestyle can inflate. But if you have to move back home and work jobs that are beneath what you thought you’d be doing, you’re probably going to be less likely to fall into the lifestyle inflation trap. This can have huge benefits for your life going forward.

4. You might be more inclined to make the move towards self-employment and entrepreneurship. I think one of the best ways to create a lifestyle you love is through self-employment and entrepreneurship. A lot of financial independence rhetoric seems to focus on grinding through a job you aren’t very fond of for a decade or more, then once you’ve set aside a large enough nest egg, quit that job and do the thing you really want to do.

That just seems backward to me. Work is such a big part of our life. You shouldn’t just tolerate it. Instead of running towards financial independence, why not create your own financial independence?

In a world with no jobs, the class of 2020 might have no options but to try to make something of their own. I think this could be a huge benefit. Back in 2009, I wish I had realized the opportunity I had in front of me to take a chance creating something out of nothing. The time to take risks is when you’re young. And there’s probably nothing less risky than a 22-year old trying to create something for themselves.

5. You’ll discover the worst-case scenario isn’t as bad as you thought it would be. One of the things most of us do is we assume the worst-case scenario when it comes to our decisions. The truth is, though, very few decisions or actions in our lives are truly life-ruining.

If you feel like you have to go to grad school right now or that you can’t risk taking a few years to try to create something of your own, just take a step back and realize how long life really is. You most likely aren’t going to end up homeless or in the streets. Things might be tough, but whatever you think is the worst thing that can happen, more likely than not, it won’t really happen.

Final Thoughts 

To the class of 2020. This sucks. That’s probably the most succinct way to describe the situation that you’re entering into. I feel for you. But remember that life is long. You have so much time on your side.

A year ago, I wrote about the benefits of graduating during the financial crisis. I said that I couldn’t read the future, but eventually, there was going to be another class of graduates that enters into a job market at the absolute worst time. It won’t be a happy time. But even during the crappiest times, there are benefits that’ll make you stronger. I have no doubt that this class, like the class of 2009, will do some great things.

This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

More Recommended Ebike/Scooters

Check out these other ebikes and scooters I've reviewed:

  • Urban Arrow Ebike – Last year, I made one of the largest purchases I’ve ever made – I bought a $9,000 electric cargo bike from Urban Arrow. In my Urban Arrow review, I will discuss what it is and why I decided to buy this bike, as well as discuss how impactful a bike like this can be on your journey to financial independence.
  • Troxus Explorer Step-Thru Ebike – The Troxus Explorer Step-Thru is a fat-tire ebike that I’ve had the pleasure of riding for a while now. It has amazing power, great looks, and awesome range. If you’re looking for a great fat-tire ebike that offers a lot for the price, the Troxus Explorer Step-Thru is definitely one for you to consider. Check out my Troxus Explorer Step-Thru Review.
  • Hovsco HovBeta Ebike – The HovBeta is a folding ebike with great specs and a lot of interesting features, and importantly, it’s sold at a good price point. I’ve had a blast commuting with it and using it to do deliveries with DoorDash, Uber Eats, and Grubhub. Check out my Hovsco HovBeta Ebike Review.
  • Vanpowers Manidae Ebike – The Vanpowers Manidae is a fat tire ebike that I’ve been riding as my primary winter commuting bike and have also been using it to do food delivery with apps like DoorDash, Uber Eats, and Grubhub. After clocking in a decent number of miles with this ebike, I wanted to write a post sharing what my experience with the Vanpowers Manidae ebike has been like. Check out my Vanpowers Manidae Review.
  • Sohamo S3 Step-Thru Folding EBike Review – A Great Value Folding Ebike – The Sohamo S3 Step-Thru Folding Ebike is an entry-level folding ebike that offers a lot of value for the price point. I’ve been riding the Sohamo S3 for a while now, putting the bike through its paces, and I have to say, this bike has exceeded all of my expectations. Check out my Sohamo Review.
  • KBO Flip Ebike – The KBO Flip is an excellent bike. I’ve had a great time riding it and think it’s a versatile bike that can be used for a lot of purposes and can fit a variety of lifestyles. It’s worked out great for me as a general commuter bike and as a food delivery bike. Check out my KBO Flip Review.
  • Hiboy P7 Commuter Ebike – The Hiboy P7 is an excellent electric commuter bike that’s offered at an affordable price point. The range and speed of this bike are both very good, so you won’t have any trouble getting anywhere you need to go with it. As a food delivery vehicle, this is also good – with how much range it offers, you’ll be able to work all day on a single charge. Check out my Hiboy P7 Commuter Electric Bike Review.
  • Himiway Escape Ebike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
  • Espin Sport Ebike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
  • Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
  • Varla Falcon Scooter – The Varla Falcon is an excellent scooter that offers a good amount of power at a lower price point compared to more powerful scooters. It’s not exactly an entry-level scooter, nor is it a high-powered scooter. I think it fits somewhere in-between those two categories – an intermediate scooter if I had to give it a category. Check out my Varla Falcon Review.
  • Hiboy S2 Scooter – The Hiboy S2 is an excellent entry-level commuter scooter that's perfect for someone looking to save some money in transportation costs and improve their commute. Check out my Hiboy S2 Review.
  • Hiboy S2R Scooter – The Hiboy S2R is one of the more interesting electric scooters I’ve been able to test out. It’s not a high-powered scooter, but for an everyday transport option, it’s very useful, especially given some of the unique features that it has. Indeed, for the price, the Hiboy S2R might be the best value scooter I’ve used. Check out my Hiboy S2R Review.
  • Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.

More Recommended Investing App Bonuses

For additional investing app bonuses, be sure to check out the ones below:

  • M1 Finance ($100) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
  • SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with just $10 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.
  • Webull (20 free stock shares) – Webull's current promotion gives you 20 free shares valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free shares using Webull.
  • Moomoo (15 free stocks) – Moomoo is a free investing app currently offering 2 different referral bonuses if you open an account using a referral link. Read my Moomoo referral bonus guide for more information.
  • Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
  • Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.

More Recommended Bank Account Bonuses

If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.

  • Upgrade ($200) – Upgrade is a free checking account that’s currently offering a $200 referral bonus if you open an account and complete a direct deposit. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Here’s a post I wrote with more details: Upgrade $200 Referral Bonus – Step By Step Directions.
  • Ally Bank ($100) – Of all the banks out there, Ally is, without a doubt, my favorite. At the moment, Ally is offering $100 to customers who open an eligible Ally account and meet the requirements. Here are the step-by-step directions to earn your Ally Bank referral bonus.
  • Fairwinds Credit Union ($175) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
  • Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
  • US Bank Business ($900) – This is a fairly easy bank bonus to earn, since there are no direct deposit requirements. In addition, you can open the Silver Business Checking account, which comes with no monthly fees. Check out how to earn this big bonus here.
  • GO2Bank ($50) - GO2Bank is an easy bank bonus that I recommend people take advantage of if they have an easy way of meeting the direct deposit requirement. I like that it’s easy to open the account and that the bonus pays out quickly. Check out my step-by-step guide on how to earn your GO2Bank $50 referral bonus.
  • Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link. Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
  • Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
  • Varo ($25) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $25 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.
financial panther

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

  • SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $300 if you complete a direct deposit.
  • 5% Savings Accounts. I'm currently getting 5.24% interest on my savings through a company called Raisin. Opening a Raisin account takes minutes to complete, it's free, and all of your funds are FDIC-insured. I explain how it works, why I'm now using it to store my emergency fund and any other cash savings I have, and why I recommend everyone check it out in this review.
  • US Bank Business. US Bank is currently offering new business customers a $900 signup bonus after opening a new account and meeting certain requirements.
  • M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account.
  • Empower. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

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