Our economic system has changed, and younger generations are being locked out of the opportunities our parents once had. Generation Fcked* 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. Today, those choices come with far less certainty.

With rising inflation, unaffordable housing, stagnant wages, and crushing student debt, the traditional ‘rules of success’ for many working- and middle-class young adults no longer lead to the outcomes once promised. This leaves younger generations searching for strategies that actually work in today’s world.

Drawing on Freddie Smith’s personal journey and data-driven insights, Generation Fcked* explores the uncomfortable reality of how the American Dream—homeownership, family, and a secure retirement—has become increasingly difficult for people under forty-five. With a frank, solutions-oriented approach, this modern guide to our financially f*cked reality will help you:

• Understand how the economy became so unequal and which institutions profit as the cost of living rises
• Talk about the generational wealth divide with older generations in ways that encourage empathy, understanding, and productive conversation
• Decide whether renting or homeownership makes sense for your life, and take meaningful steps toward clearing debt, investing, and saving
• Build a retirement plan without relying on Social Security or sacrificing your work–life balance
• Stay informed, advocate for change, and redefine success on realistic, modern terms