<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>huehehue</author><text>They only need enough of an analysis to get a catchy article heading. Every day it&amp;#x27;s either &amp;quot;millennials are rich&amp;quot; or &amp;quot;millennials are poor&amp;quot;.&lt;p&gt;Millennials are poor: ~10% have $15k saved up
&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.cnbc.com&amp;#x2F;2018&amp;#x2F;02&amp;#x2F;09&amp;#x2F;a-growing-percentage-of-millennials-have-absolutely-nothing-saved.html&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.cnbc.com&amp;#x2F;2018&amp;#x2F;02&amp;#x2F;09&amp;#x2F;a-growing-percentage-of-mill...&lt;/a&gt;&lt;p&gt;Millennials are rich: ~47% have $15k saved up
&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.sfgate.com&amp;#x2F;personal-finance&amp;#x2F;article&amp;#x2F;Millennials-saving-more-salary-savings-generation-12522722.php&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.sfgate.com&amp;#x2F;personal-finance&amp;#x2F;article&amp;#x2F;Millennials-...&lt;/a&gt;&lt;p&gt;Avoid articles that stereotype &lt;i&gt;any&lt;/i&gt; generation, because they&amp;#x27;re garbage that distort the truth to push agendas and generate clicks.</text><parent_chain><item><author>esotericn</author><text>I think the term &amp;quot;poorer&amp;quot;, and the monetary analysis done here, is too high level to extract real meaning.&lt;p&gt;The average young person&amp;#x2F;couple that I know are able to do and buy far more than their parents (e.g. eat out, order takeaway, take holidays, go to bars, buy things for hobbies, buy clothes, ...).&lt;p&gt;They just don&amp;#x27;t own property and have no path that leads there.&lt;p&gt;In some sense you could say that they have higher incomes whilst having lower wealth, but that doesn&amp;#x27;t really capture it.&lt;p&gt;Housing just went bonkers which makes retirement impossible.</text></item></parent_chain></comment><story><title>Fed Says Millennials Are Just Like Their Parents, Only Poorer</title><url>https://www.bloomberg.com/news/articles/2018-11-29/fed-says-millennials-are-just-like-their-parents-only-poorer</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>jandrese</author><text>One of the things I&amp;#x27;ve been contemplating is how student debt is a retirement issue.  Especially with Social Security in a bind with all of the Baby Boomer retirements it&amp;#x27;s really important for people to take charge of their retirement early, but they can&amp;#x27;t if they are saddled with school debt.  It adds up in a hurry too.&lt;p&gt;Assumption:
Average student loan debt in the US is $25,000 with a 6.8% interest rate, with a 10 year repayment plan.  Graduation age is 21 and retirement age is 65.  Market return rate is 7%.&lt;p&gt;If you took that student loan money and instead invested it in the market after the 10 year loan period you would have $49,673.  Leave it in the account until retirement and it grows to $495,642.&lt;p&gt;Of course half a million bucks won&amp;#x27;t be worth as much in 2062, but the difference between having the loan and not is substantial.  This is one of those cases where subsidies up front can save a whole lot of money in the long run.</text><parent_chain><item><author>esotericn</author><text>I think the term &amp;quot;poorer&amp;quot;, and the monetary analysis done here, is too high level to extract real meaning.&lt;p&gt;The average young person&amp;#x2F;couple that I know are able to do and buy far more than their parents (e.g. eat out, order takeaway, take holidays, go to bars, buy things for hobbies, buy clothes, ...).&lt;p&gt;They just don&amp;#x27;t own property and have no path that leads there.&lt;p&gt;In some sense you could say that they have higher incomes whilst having lower wealth, but that doesn&amp;#x27;t really capture it.&lt;p&gt;Housing just went bonkers which makes retirement impossible.</text></item></parent_chain></comment><story><title>Fed Says Millennials Are Just Like Their Parents, Only Poorer</title><url>https://www.bloomberg.com/news/articles/2018-11-29/fed-says-millennials-are-just-like-their-parents-only-poorer</url></story>