13 Things Millennials Do With Their Money (Instead of Buying $19 Avo Toast)

Let’s talk about how out of touch Avocado Toast man really is when it comes to millennials and money. I've compiled a short list of what millennials are doing with their hard-earned cash instead.

  1. Pay off student loans

  2. Save for a down payment

  3. Contribute to an emergency fund

  4. Travel the world

  5. Buy groceries

  6. Save for retirement

  7. Invest in the stock market

  8. Donate to causes we believe in

  9. Buy stationary to write thank-you notes to mentors

  10. Pay Wi-Fi bill for our online side-hustles

  11. Attend networking events

  12. Purchase best-selling self-development books

  13. Buy a toaster to make avocado toast at home 

What would you add to this list? Comment below! And if you're looking for a way to better manage your finances — complete with cash back and bill negotiation — download the free Trim app! 


I get asked all the time: what are your favorite money management tools?

Charlie: My go-to (free!) budgeting tool that tracks your spending and progress towards goals.

Ebates: Gives you free cash back on almost all your favorite stores via a desktop plug-in.

Trim: You remember that time where I talked about how you should be negotiating all of your bills? (You should.) I know it's scary — that's where Trim comes in. Trim will negotiate cable and phone bills FOR YOU.

Status: Wanna see if you’re on track when it comes to your monthly spending and total savings? This (again, free) tool compares your financial numbers to others in your age group, city, etc.

Personal Capital: The tool I check daily, Personal Capital is the best tool for tracking your net worth and your progress towards goals like saving, debt payoff, and (yes!) $100K.

The $100K Club Facebook Group: Need some honest money conversations in your life? Join my free community to get your burning questions answered.

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