Generation F*cked

Our economic system has changed, and younger generations are being locked out of the opportunities our parents once had. Generation F****cked* exposes how the system broke, why the old rules no longer work, and what Millennials and Gen Z can do to reclaim their financial futures.

Cancel your subscriptions. Make coffee at home. Go to college. Don’t rent. Buy a house to build equity. That advice was built for a different economy—but today, it simply doesn’t hold up. With rising inflation, unaffordable housing, stagnant wages, and crushing student debt, these old “rules of success” have become nearly impossible to follow, leaving younger generations searching for new strategies that actually work.

Drawing on Freddie Smith’s relatable personal account and data-driven insights, Generation F*cked explores the ugly reality of how the American Dream—a house, kids, and a comfortable retirement—became an economic impossibility for most under-45s. With frank, solutions-oriented advice, this modern guide to our financially f*cked situation will prepare you to:

• Understand how the economy became so unequal and recognize the institutions that profit from the increasing costs of living
• Discuss the generational wealth divide with older generations in way that encourages empathy, patience, and productive problem-solving
• Decide if renting or homeownership is a better fit for your lifestyle—and take meaningful steps towards clearing debt, investing, and saving for your ideal home
• Secure your retirement without betting on social security or sacrificing your work–life balance
• Staying educated, advocate for change, and set the groundwork for a more realistic definition of success

The current system isn’t sustainable. By combining the big-picture problem with actionable, ground-level solutions, Generation F*cked shows the path to a better, brighter, and more equal economic future—offering a survival guide for generations to come.