Name: 想像22歲時，世界正分崩離析！ (Imagine being 22 while the world is collapsing)
Uploaded: 2026-02-26T08:24:08.000Z
Duration: 38 min 29 s

And the funniest part is when you're a kid you can't wait to grow up.

而且最有趣的是，小時候你總是等不及長大。

Now I trade all my adulthood for a Capri sun and a nap after recess.

現在我願意用我所有的成年時光，換取一杯 Capri Sun 和午休後的補眠。

反身代名詞

People don't have hope for the future is because it seems like we are trying to destroy ourselves as a species from the inside out.

人們對未來沒有希望，是因為我們似乎正試圖從內部瓦解我們這個物種。

Life has gotten so expensive that it's not even worth trying to be frugal anymore.

生活變得太貴了，節儉已經不划算了。

The older I get, the more I realize that everyone is just like in massive debt and they don't seem to care about it.

我越長越大，越發現大家好像都背負著巨額債務，而且他們似乎不在乎。

I got laid off from my corporate job yesterday and I think that this is the reality for a lot of Americans right now.

我昨天被公司裁員了，我想這對很多美國人來說是現在的現實。

I was like, oh, 37 years until I retire, I could do this.

我當時想，哦，還有 37 年才退休，我應該可以做到。

Maxwell House, the coffee company has announced that they are rebranding to a new name, Maxwell Apartment.

Maxwell House 這家咖啡公司宣佈他們將重新品牌化，換一個新名字，叫做 Maxwell Apartment。

Society will be really fractured and a lot of people will be heavily depressed.

社會將會非常分裂，很多人會非常沮喪。

A lot of tech companies are going to leverage this for profit.

很多科技公司會利用這一點來獲利。

I have my rights and I to keep on figuring and figuring and turning more tripula trees into thieves and nothing is going to stop me.

我有我的權利，我會繼續摸索、摸索，把更多的 tripula trees 變成小偷，沒有什麼能阻止我。

By now it's pretty much old news that Gen Z's future is bleak to say the least.

到現在 pretty much 都是舊新聞了，Z 世代的未來至少可以說是黯淡無光的。

Yet conversations keep circulating about how they're ever going to navigate it.

然而，關於他們要如何應對，討論一直在流傳。

And that's because they're in a really unique situation.

那是因為他們處於一個非常獨特的情況。

Sure, every generation had anxieties in their youth about their future, but

當然，每個世代年輕時都會對未來感到焦慮，但

none of them have gone so far as to collectively completely lose hope in all that is good.

沒有一個世代像他們這樣，集體對所有美好的事物徹底絕望。

Like since the pandemic, their path into adulthood has been plagued, pun intended, by a cost of living crisis, a housing crisis, a job crisis, and

就像自從疫情以來，他們進入成年的道路就一直被生活成本危機、住房危機、就業危機所困擾，而且

as a cherry on top fears of a global war.

But the question I want to ask today is whether the world Gen Z is experiencing right now really reflects the future they're heading toward or if we've just overburdened them with worst case fears of the future.

但我今天想問的問題是，Z 世代現在所經歷的世界，是否真的反映了他們走向的未來，還是我們只是讓他們背負了對未來的最壞情況的恐懼。

And the reason I say that is because if we know anything about it's that they're not going to just sit back quietly and let the world burn around them.

我這麼說是因為，如果我們對他們有任何瞭解的話，那就是他們不會默默地坐視世界在他們周圍燃燒。

Just look at how they were the first generation to really push back against toxic workplaces and refuse to be underpaid and overworked.

看看他們是如何成為第一個真正反抗有毒工作場所、拒絕低薪和過勞的世代。

Or how they unapologetically redefine traditional life milestones that had a chokehold on humanity for centuries.

或者他們是如何毫不猶豫地重新定義幾個世紀以來一直束縛著人類的傳統人生里程碑。

So that is what we're going to get into the storms Gen Z faces ahead and whether their resilience will be enough to carry them through foreign.

所以，這就是我們要深入探討的 Z 世代將面臨的風暴，以及他們的韌性是否足以讓他們挺過難關。

Now, before we get into it, I want to say that this is not an exhaustive list of all of Gen Z's problems, but

不過，在我們深入探討之前，我想先說這並不是 Z 世代所有問題的詳盡列表，而是

With that, this isn't a pull yourself up by your bootstraps kind of propaganda, but

所以，這不是那種要你自力更生的宣傳，而是

rather a dissection of what options there are given this depressing situation.

對這種令人沮喪的狀況下，有哪些選擇的剖析。

When adults used to say, you're gonna see one day.

以前大人們會說，總有一天你會明白的。

I see why my parents used to just sit in silence after work, staring at the wall.

我現在知道為什麼我爸媽以前下班後就只是默默地坐著，盯著牆壁了。

I used to think adults were being dramatic.

Every day is a new episode of why Is this My Problem?

每天都是「為什麼這是我的問題？」的新一集。

You start saying stuff like, these weeks are flying by, and

你開始會說，這些禮拜過得好快，然後

that's how you know your soul has clocked in permanently.

這就代表你的靈魂已經永久打卡上班了。

So to start off strong, we need to talk about Gen Z's debt problem, because it is a big one.

所以，為了有個好的開始，我們要來聊聊 Z 世代的債務問題，因為這真的很嚴重。

A recent poll showed that Gen Z's average personal debt was 94,000, far above millennials and Gen X, which is also adjusted for inflation.

最近一項民調顯示，Z 世代的平均個人債務是 94,000，遠高於千禧世代和 X 世代，這也已經考慮了通貨膨脹的因素。

Well, at this point, most of us are familiar with the players in the game that quietly siphon money out of our wallets.

嗯，到這個階段，我們大多都熟悉那些默默從我們錢包裡掏錢的玩家了。

Companies like Klarna and Afterpay have perfected this model on top of everything in our lives, slowly converting into subscription models.

Klarna 和 Afterpay 這類公司已經把這個模式做到完美，而且我們生活中的一切，都慢慢轉變成訂閱制了。

你知道嗎，我們在一部 Toyota 2025 裡，

we noticed that on the screen, you can't use navigation unless you pay a subscription fee for it, right?

然後我們發現螢幕上，除非你付訂閱費，不然你無法使用導航，對吧？

Like, you can't just hook your phone up and use navigation on your phone.

就像，你不能只是把手機接上去，然後用手機的導航。

So we looked at the subscription fees, and it's 15amonth.

所以我們看了看訂閱費，一個月是 15 美元。

It's also 15amonth to stream music to the actual screen in your car.

而且一個月也要 15 美元才能在車子的螢幕上串流音樂。

And then, just as Gen Z was entering adulthood, they were faced with this dumpster fire of an economy.

而且就在 Z 世代剛成年時，他們就面臨了經濟的爛攤子。

Meaning that unless you're making an above average salary or are partnered up with someone who's also making an average income, there's a good chance you're struggling to pay for rent and groceries.

這意味著，除非你的薪水高於平均，或是跟一個收入也平均的人組隊，否則你很有可能在付房租和買菜上苦苦掙扎。

And I think this is something that most of us know by now, right?

我想這件事現在我們大多數人都知道了，對吧？

Like, it's not just that young people are spending too much money on Matcha Lattes, it's their basic necessities that are becoming too expensive.

不是說年輕人花太多錢在抹茶拿鐵上，而是他們的基本開銷變得太貴了。

And so they're succumbing to Debt as a last resort.

所以他們最後只能選擇背負債務。

Because what else do you do when you already don't have a lot of disposable income and an unexpected expense comes up?

因為當你本來就沒有多少可支配所得，又突然出現一筆意外支出時，你還能做什麼呢？

Well, you don't have much other choice than putting it on credit.

嗯，除了刷信用卡，你也沒有太多其他選擇了。

I just need somebody else to tell me that they're living paycheck to paycheck and putting themselves into credit card debt out of necessity, not because of fun.

我只想聽到別人說，他們是為了生活所需而過著月光族的生活，並且不得不背負信用卡債，而不是因為好玩。

我很喜歡我的工作，收入也很不錯。

We have no kids, me and my fiance, and we're still barely scraping by.

我們沒有小孩，我和我未婚夫，而且我們還是勉強度日。

Our bills are paid, but we can't save any money, we can't go on vacation.

我們的帳單都付清了，但我們存不了錢，也沒辦法去度假。

I mean, we do little things here and there, but

我是說，我們偶爾會做些小事，

realistically we don't really do anything and we still live paycheck to paycheck.

但實際上我們什麼都沒做，而且我們還是月光族。

A recent study found that one in four Gen Z respondents would max out their credit cards to bail themselves out of a tough financial situation.

最近一項研究發現，四分之一的 Z 世代受訪者會刷爆信用卡來擺脫財務困境。

Also, it is important to clarify that yes, there is a group of Gen zers that are just bad with money and accrue debt like they're investing in their real life animal Crossing island, except they don't have the luxury of paying it back with bells to a cutesy pixelated raccoon dog.

另外，要澄清的是，確實有一群 Z 世代的人就是理財不當，積欠債務就像在投資他們的現實生活動物森友會島嶼一樣，只是他們沒有機會用遊戲裡的鈴錢來還給可愛的像素化浣熊狗。

I think people forget that every generation has a subgroup of people who don't give an F and will never get it together.

我覺得大家忘了，每個世代都有那麼一群人，他們根本不在乎，也永遠不會把事情處理好。

The difference here is that Gen Z was dealt a sabotaged hand from the start, leaving them just trying to stay above water.

這裡的差別是 Z 世代一開始就拿到一副爛牌，只能拼命想辦法維持生計。

The issue isn't that Gen Z is reckless or bad with money.

問題不在於 Z 世代魯莽或不擅長理財。

The issue is that they're operating in an economy fundamentally different from previous generations.

問題在於他們所處的經濟環境，跟前幾代人根本不一樣。

As you can expect, one of the byproducts of this is that a lot of Gen Z has just given up because they don't have hope that things will get better.

你可以想像，這其中一個結果就是，很多 Z 世代已經放棄了，因為他們不覺得事情會有好轉的希望。

The veil of the optimistic future sold to them in childhood has been lifted and they're left empty handed and in a constant state of money dysphoria.

小時候被灌輸的樂觀未來的美好憧憬已經破滅，他們兩手空空，長期處於金錢焦慮之中。

What that means is that many of them jump on short lived financial trends using coping mechanisms like little treat culture and just overall feeling chronically behind.

這代表很多人會追逐短暫的金融趨勢，用一些應對機制，像是小確幸文化，還有整體上總覺得自己一直落後。

You want a crashing out video about cost of living?

你想要一個關於生活成本的崩潰影片嗎？

So last month our water bill was pretty high.

所以上個月我們家的水費帳單 pretty high。

我就想說，好，我來研究一下。

We did everything right for the entire month.

我們整整一個月都做對了所有事情。

We turned off the sink while we were doing our dishes.

我們洗碗的時候會關掉水龍頭。

我洗澡的時候甚至還用了計時器。