Tag Archives: Millennials

Tad Hopp accumulated $100,000 of college debt, now he wants a taxpayer bailout

Brain vs Heart, from: theawkwardyeti.com
Brain vs Heart, from: theawkwardyeti.com

Here’s an interesting editorial from a “Christian” left blog. (H/T Acton Institute via Lindsay)

The author, Tad Hopp is graduating a PCUSA seminary – an extremely liberal, left-wing denomination.

He writes:

I graduated college in 2007.

[…] I majored in English, not exactly what most people consider a ‘marketable’ or ‘practical’ degree…

[…]I went to a somewhat expensive private school…

[…]I did what many students in their last year of high school do: I went to the school where I felt I was being called…

[…]I do not regret my four years at my undergraduate institution one bit.

[….]When I graduated college, I owed nearly $50,000 in student loan debt and was unemployed for almost six months before I finally found a low-paying office job.

[…]“Can’t find a job? Well, you should have majored in something more ‘practical’, like economics or business or medicine.” Yeah, that would be great…if those were the subjects where my skills and passions lie. They’re not.

[…]I felt called to go to seminary.

[…]I will graduate seminary with close to six figures worth of student loan debt.

Let’s take stock of what he’s said so far:

  • he studied English, a language that he already spoke, which has one of the lowest employment rates
  • he was warned by people who knew something about earning and saving money not to study English
  • he went to a school he couldn’t afford to go to, and he graduated with $50,000 in debt
  • he went to seminary, another subject that doesn’t pay, and added another $50,000 or so of debt
  • he says that he doesn’t have to study subjects that lead to a career because he isn’t “passionate” about them
  • he “followed his heart” by going to the school that he had mystical, emotional, intuitions about = “calling”

My advice to Tad at this point would be for him to take the Bible seriously when it says this:

2 Thessalonians 3:10:

10 For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either.

And 1 Timothy 5:8:

8 But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.

The Bible is giving us the goal of working. So what should we do to be able to reach that goal? Why should anyone hire us? What is working really about? It’s those kinds of questions that should guide what we study in school, and what jobs we pursue.

We know what careers have the highest starting salaries and mid-career salaries:

Starting and Mid-Career salaries by profession (click for larger image)
Starting and Mid-Career salaries by profession (click for larger image)

(Source)

Why do some people get paid more than others? The answer is supply and demand. Prices are a way of determining what is most valued by your fellow man. Business owners pay more to people who offer their customers more value. If you really want to serve your neighbor, you have to learn something they really want, but can’t easily obtain. And then you will be paid more. You can’t do what makes you happy. You have to do what makes customers happy. That’s how the free market works – you make money when you provide something of value to others. You make money when you serve others. This is something that is very hard for self-centered, feelings-driven young progressives to grasp. But it’s something older Americans all know.

More Tad:

Is the PCUSA doing anything to address this crisis?

[…]What has our government done to address this issue?

[…]I, like so many in my generation, voted for Obama…

[…]It seems to me that we’ve bought into the lie that student loan debt is brought on by the individual person…

[…]You know what I think might stimulate the economy? Automatically cancelling every single outstanding student loan!

He insists that the results of his own choices aren’t his fault. But didn’t he make the choices about what to study? Didn’t he make the choice to follow his heart? Didn’t he disregard the advice of people who urged him to be practical? Who is to blame, if not he, himself?

Tad needs to push away all his friends who told him to “follow his heart” and stick close by his friends who told him to focus on providing value to others. Don’t look for advice from dreamers, look for advice from doers. Dreamers talk. But doers have demonstrated the ability to create plans that work to achieve results.

By the way, some of you might be wondering how serious this person was about his Christianity. Well, in another post, he comes out as gay. So clearly the Bible is being interpreted in a way where feelings are overturning the plain meanings of words. People who read the Bible closely never come away with the message that they should follow their hearts.

My conversation about morality with an atheist millennial man

This is one of the memes from the Wintery Knight facebook page
A meme that was posted on the WK Facebook page, by the new meme admin

I spent some time talking to an atheist millennial recently. He considers himself a moral person, and he is very helpful to others. I asked him to define morality, and he said that morality was feeling good, and helping other people to feel good. I was trying to think of a way to punch a hole in his feelings-based utilitarianism. How could I show him that happy feelings are not a good basis for morality?

Now, you’re probably thinking that abortion is the most obvious example of something that is morally wrong – it’s just killing a baby because adults don’t want to take responsibility for their foolish pursuit of pleasure. But atheists typically don’t think of unborn children as people. They usually believe in naturalistic evolution, and they are committed to a view of reality where the universe is an accident, human beings are accidents, there are no objective human rights, and biological evolution progresses because the strong survive while the weak die. So you aren’t going to be able to generate a moral standard that includes compassion for weak unborn children on that scenario. If the rule is “let’s do what makes us happy”, and the unborn child can’t voice her opinion, then the selfish grown-ups win.

Instead, I decided to focus on fatherlessness. I asked him whether he thought that fatherlessness harmed children. Surprisingly, he said that it didn’t, and that he had a relative who was doing a great job raising fatherless kids. I asked him if he had ever looked at the research on what father absence does to children. He hadn’t. Then I asked him if a system of sexual rules based on “me feeling good, and other people around me feeling good”, was likely to protect children. He went silent.

Well, that was the end of that conversation. And I think it was a nice window into how millennials – who are absolutely clueless about what research says about sex, dating, marriage and parenting – think about relationships. They’re making decisions based on their feelings, then acting surprised when their “common sense” decisions based on happiness “in the moment” blow up in their faces, and destroy the lives of their children, including their unborn children.

Unfortunately, young people are having children outside of a marriage commitment more and more.

Out-of-wedlocks births rising as cohabitation replaces marriage
Out-of-wedlocks births rising as cohabitation replaces marriage

Far-left Bloomberg News reports:

Forty percent of all births in the U.S. now occur outside of wedlock, up from 10 percent in 1970, according to an annual report released on Wednesday by the United Nations Population Fund (UNFPA), the largest international provider of sexual and reproductive health services. That number is even higher in the European Union.

The EU has a higher rate of fatherless births because they have high taxes and big government to allow women to have children without having to commit to a husband:

The EU likely sees more births out of wedlock because many member countries have welfare systems that support gender-balanced child care, said Michael Hermann, UNFPA’s senior adviser on economics and demography, in an interview. Public health care systems, paid paternal leave, early education programs and tax incentives give unwed parents support beyond what a partner can provide.

More welfare and more government services make it easier for women to pursue relationships with men who aren’t interested in marriage. Hot bad boys who give them all the tingles. Big government makes those boring, predictable marriage-ready men dispensable. Big government also makes it much harder for a man who does marry to afford a stay-at-home mother for his kids, because he has to pay higher taxes for big government.

More:

The data show such births in the U.S. and EU are predominantly to unmarried couples living together rather than to single mothers, the report says.

[…]Jones also noted that the rise in births outside of marriage is closely correlated to delays in childbearing. “Women are claiming their ground professionally,” she said. “Delaying motherhood is a rational decision when you consider the impact it can have on your career, and that’s contributing to this trend.”

[….]The traditional progression of Western life “has been reversed,” said John Santelli, a professor in population, family health and pediatrics at Columbia’s Mailman School of Public Health. “Cohabiting partners are having children before getting married. That’s a long-term trend across developing nations.”

Regardless of marital status, more couples are choosing not to have kids at all. The U.S. fertility rate hit a historic 30-year low last year, according to the Centers for Disease Control and Prevention. Hermann said the rise in births outside of wedlock has actually mitigated the decline in fertility, which “would be much steeper if women weren’t having children outside marriage.”

What’s interesting about this anti-marriage article is that they have nothing to say about the research showing that cohabitation – and also marriages that occur after a period of cohabitation – are inferior to no-cohabitation marriages. People who are serious about self-control, and who are serious about committing through thick and thin, tend to have longer lasting marriages. But we don’t prioritize chastity, fidelity and self-sacrificial commitment anymore, because that relationships that require self-denial make us unhappy.

The article concludes: “We can’t go back to the ’50s”. Right. Because if feelings-based “morality” is assumed, then any choice between adult happiness and children’s happiness will favor the adults. Today’s young people carefully AVOID any evidence that contradicts their new “happiness-morality”. They act surprised when their unstable relationships dissolve, leaving children separated from their fathers. Marriage requires that both partners have a system of morality that puts the commitment above happy feelings. People have to be accustomed to doing things that feel bad, just because they are good and moral things to do according to an objective standard of morality. The new atheist morality of happy feelings doesn’t develop the character needed for commitment.

If you ask an atheist millennial, they think they are doing a great job of being “moral”. They don’t see the messes they are making for children as something that they are causing themselves, with their own foolish feelings-based decision-making. They think they know everything about relationships through their feelings. They think that they are exempt from the patterns of cause and effect in the peer-reviewed research.

New study: decline in mainline church attendance linked to progressive theology

Church attendance for progressive denominations in free fall
Church attendance for progressive denominations in free fall

This study was reported in the Weekly Standard, of all places.

Excerpt:

A literal reading of scripture and faith in an interventionist God strengthen church attendance. According to a new academic study of what drives a mainline Protestant church to die out or succeed, preaching these two theological precepts makes all the difference.

The forthcoming article, entitled “Theology Matters,” confirms a truth universally acknowledged, or reasonably intuited anyway. The Christ-optional, Gospel-as-metaphor, liberal-progressive mainline Protestantism borne of our secular age keeps so loose a lock on wandering souls that they wander away—choosing boozy brunch, perhaps, over pew-sitting.

The authors, Drs. David Haskell, Kevin Flatt and Stephanie Burgoyne, used five years’ data gathered from 2,255 attendees of Anglican, Lutheran, Presbyterian and United Church of Canada parishes across the province of Ontario. (The United Church of Canada boasts an ongoing, unsurprising self-parody in an atheist minister no one seems to have ginned up the nerve to defrock.)

Approximately half of the authors’ subjects belong to growing parishes within these three mainline denominations, the other half to shrinking ones. Their most striking survey result finds churchgoers at shrinking parishes more doctrinally committed than their ministers.

That’s true about the atheist woman who is leading one of the denominations into decline:

An ordained minister with the United Church of Canada is resisting efforts to oust her from the pulpit because she is an atheist.

“I don’t believe in … the god called God,” Gretta Vosper told the Globe and Mail. “Using the word gets in the way of sharing what I want to share.”

She said that she believes the Bible is “mythology,” and denies that Jesus is the Son of God.

The United Church of Canada has majored in progressive politics . Progressive politics is more important to them than apologetics and theology. From what I’ve read, their ministers are more likely to affirm the writings of progressive atheists like John Dominic Crossan and Marcus Borg as “infallible” than the Christian Scriptures. We have similar problems in the USA with ELCA, PCUSA, ECUSA, and other far left denominations.

Church attendance by denomination, ages 23-35
Church attendance by denomination, ages 23-35

Mainline Roman Catholicism, which focuses less on the Bible and more on political goals like Obamacare, climate change alarmism and amnesty is also in decline. They are declining faster than any other denomination.

Here’s a quote from the study that breaks down the theology by change in church attendance:

When asked to agree or disagree with the statement “Jesus rose from the dead with a real, flesh-and-blood body leaving behind an empty tomb” 93% of growing church pastors agreed, 83% of growing church attendees agreed, 67% of declining church attendees agreed, and just 56% of declining church pastors agreed.

When asked if “God performs miracles in answer to prayer” 100% of the growing church pastors agreed, 90% of the growing church attendees agreed, 80% of the declining church attendees agreed, and just 44% of the declining church pastors agreed.

I think the problem is that when a minister quotes the Bible and espouses traditional theology, people can sense that this teaching is from God, because it is at odds with their selfish desires. They understand the authenticity of it, because it calls them higher. Progressives like Greta Vosper tell people that their current sinfulness is just fine, since the goal of spirituality is to look inside yourself for guidance so that you feel good. But does sinfulness really deliver results over the long term? We were designed by God for righteousness, not selfishness. I am pretty sure that Jesus knows a little more about human nature than Greta Vosper does.

Consider the words of Daniel 2:

1 In the second year of his reign, Nebuchadnezzar had dreams; his mind was troubled and he could not sleep.

2 So the king summoned the magicians, enchanters, sorcerers and astrologers to tell him what he had dreamed. When they came in and stood before the king,

3 he said to them, “I have had a dream that troubles me and I want to know what it means.”

4 Then the astrologers answered the king, “May the king live forever! Tell your servants the dream, and we will interpret it.”

5 The king replied to the astrologers, “This is what I have firmly decided: If you do not tell me what my dream was and interpret it, I will have you cut into pieces and your houses turned into piles of rubble.

6 But if you tell me the dream and explain it, you will receive from me gifts and rewards and great honor. So tell me the dream and interpret it for me.”

7 Once more they replied, “Let the king tell his servants the dream, and we will interpret it.”

8 Then the king answered, “I am certain that you are trying to gain time, because you realize that this is what I have firmly decided:

9 If you do not tell me the dream, there is only one penalty for you. You have conspired to tell me misleading and wicked things, hoping the situation will change. So then, tell me the dream, and I will know that you can interpret it for me.”

10 The astrologers answered the king, “There is no one on earth who can do what the king asks! No king, however great and mighty, has ever asked such a thing of any magician or enchanter or astrologer.

11 What the king asks is too difficult. No one can reveal it to the king except the gods, and they do not live among humans.”

12 This made the king so angry and furious that he ordered the execution of all the wise men of Babylon.

13 So the decree was issued to put the wise men to death, and men were sent to look for Daniel and his friends to put them to death.

14 When Arioch, the commander of the king’s guard, had gone out to put to death the wise men of Babylon, Daniel spoke to him with wisdom and tact.

15 He asked the king’s officer, “Why did the king issue such a harsh decree?” Arioch then explained the matter to Daniel.

16 At this, Daniel went in to the king and asked for time, so that he might interpret the dream for him.

17 Then Daniel returned to his house and explained the matter to his friends Hananiah, Mishael and Azariah.

18 He urged them to plead for mercy from the God of heaven concerning this mystery, so that he and his friends might not be executed with the rest of the wise men of Babylon.

19 During the night the mystery was revealed to Daniel in a vision. Then Daniel praised the God of heaven

20 and said:

“Praise be to the name of God for ever and ever;
wisdom and power are his.

21 He changes times and seasons;
he deposes kings and raises up others.
He gives wisdom to the wise
and knowledge to the discerning.

22 He reveals deep and hidden things;
he knows what lies in darkness,
and light dwells with him.

23 I thank and praise you, God of my ancestors:
You have given me wisdom and power,
you have made known to me what we asked of you,
you have made known to us the dream of the king.”

24Then Daniel went to Arioch, whom the king had appointed to execute the wise men of Babylon, and said to him, “Do not execute the wise men of Babylon. Take me to the king, and I will interpret his dream for him.”

25 Arioch took Daniel to the king at once and said, “I have found a man among the exiles from Judah who can tell the king what his dream means.”

26 The king asked Daniel (also called Belteshazzar), “Are you able to tell me what I saw in my dream and interpret it?”

27 Daniel replied, “No wise man, enchanter, magician or diviner can explain to the king the mystery he has asked about,

28 but there is a God in heaven who reveals mysteries. He has shown King Nebuchadnezzar what will happen in days to come. Your dream and the visions that passed through your mind as you were lying in bed are these:

29 “As Your Majesty was lying there, your mind turned to things to come, and the revealer of mysteries showed you what is going to happen.

30 As for me, this mystery has been revealed to me, not because I have greater wisdom than anyone else alive, but so that Your Majesty may know the interpretation and that you may understand what went through your mind.

People can see right through progressive “spirituality”. They see that this is man-made humanism designed to make people feel better. They know that this is just one person’s opinion, and not from God. The blind leading the blind, as the Bible says. Greta Vosper isn’t deriving her worldview from a truth-centered investigation of science, history or logic. It’s feelings all the way down, and that’s not useful to people who are looking for objective truth and purpose.

Millennial snowflakes want socialism, but most of them cannot even define it

Millennials love socialism and communism
Millennials love socialism and communism

I like to make fun of millennials on this blog, because in my interactions with them, I find that they have great confidence and self-esteem in their own opinions, even though they have seldom done any study of the issues they’re confident about.

Campus Reform has a good example of millennial ignorance:

More than four-in-ten U.S. millennials would prefer to live under socialism than capitalism, according to a new survey by the Victims of Communism Memorial Foundation.

When given the choice to pick a preferred system of government, 44 percent of millennials responded that they would rather live in a socialist country while another seven percent opted for a communist state. Capitalism, on the other hand, was preferred by 42 percent of millennial respondents, with the remaining 14 percent split evenly between fascism and communism.

According to the study, pro-socialist sentiment is much higher among millennials when compared to the rest of the country, noting that 59 percent of Americans say they would rather reside in a capitalist country, with only 35 percent of respondents signaling a preference for a socialist state.

Millennials were also about twice as likely as the general population to say they would prefer living in a fascist or communist country, with about seven percent choosing each option.

“The percentage of Millennials who would prefer socialism to capitalism is a full ten points higher than that of the general population,” the foundation observed in its report. “It seems that the majority of America’s largest generation would prefer to live in a socialist or communist society than in a free enterprise system that respects the rule of law, private property, and limited government.”

The survey also found that millennials, along with most other Americans, “either don’t know the definition of communism or misidentify it.”

[…]Consistent with the other findings, the survey also revealed that millennials are least opposed to communist ideology when compared to other age groups.

Let’s just take one example of this millennial ignorance.

The Daily Signal posted an article about a survey from last year on millennial attitudes towards communism.

Look at this:

The survey also revealed a general lack of historical knowledge, especially among young adults. According to the report, one-third (32 percent) of millennials believed that more people were killed under George W. Bush than under Joseph Stalin.

Bush killed more people than Stalin? First of all, Bush’s war was to liberate Iraq from radical Islam. You can see what happened when we pulled our forces out under Obama. Raped Yazidi sex-slaves, for one thing. Stalin killed people who disagreed with him – like the Ukrainian farmers I blogged about before. The number of war deaths in Iraq numbers in the tens of thousands, and most of those casualties are enemy casualties. I like dead terrorists, so that’s not a liability for me. The number of deaths under Stalin is somewhere around 40 million, most of those were innocent people.

Here are the brilliant millennials saying what they’ve been taught to say so that people will be impressed:

They’re just idiots. I wouldn’t trust them to spit on the pavement.

There is some hope, though, that when millennials start paying taxes they flip their voting to free enterprise policies.

The Charlotte Observer explains:

There is some evidence that this generation’s views on activist government will stick. However, there is more reason to expect that support for their Scandinavian version of socialism may wither as they age, make more money and pay more in taxes.

The expanded social welfare state Sanders thinks the United States should adopt requires everyday people to pay considerably more in taxes. Yet millennials become averse to social welfare spending if they foot the bill. As they reach the threshold of earning $40,000 to $60,000 a year, the majority of millennials come to oppose income redistribution.

Millennials wouldn’t be the first generation to flip-flop. In the 1980s, 52 percent of baby boomers supported bigger government, and so did Generation Xers (53 percent) in the 1990s. Yet, both baby boomers and Gen Xers grew more skeptical of government over time and by about the same magnitude. Today, only 25 percent of boomers and 37 percent of Gen Xers continue to favor larger government.

Yeah, growing up has a way of making people into Republicans. That might be an argument for getting kids out of school and into work sooner, so that they grow up faster, and have grown-up beliefs about economics and taxation. I don’t even consider someone to be a grown-up until they’ve worked 5 years in the private sector. I’m really not sure why millennials think that their opinions are correct given that lack of life experience at grown-up tasks. Going to school and working in the public sector or not-for-profit sector are not grown-up tasks.

Reversing the American trend of borrowing and spending too much

Average college debt is now up to $35,000 and usually for a useless non-STEM degree
Average debt is now up to $35,000, often for a useless non-STEM degree

First, the problem, using this article from New Zealand. It is authored by a self-made millionaire to young people.

Excerpt:

A young property tycoon has hit out at Generation Y claiming they need to stop travelling and spending money on overpriced food if they want to save for their first home.

Tim Gurner, 35, is worth nearly half a billion dollars since buying his first investment property at the age of 19.

The Melbourne millionaire believes it’s time his generation change their spending and lifestyle habits.

“When I was trying to buy my first home, I wasn’t buying smashed avocado for $19 and four coffees at $4 each,” he told Channel Nine’s 60 Minutes program.

“We’re at a point now where the expectations of younger people are very, very high. They want to eat out every day, they want travel to Europe every year.

“This generation is watching the Kardashians and thinking that’s normal – thinking owning a Bentley is normal.”

And how did the millennials respond? With immature, ignorant rebellion:

Gurner’s comments have been met with a backlash on social media will many criticising how he started out in the property – with a loan from his grandfather.

One social media comment read: “Maybe the new home buyers would stand more of a chance if they were given 34K by their grandad… that’s a fair few smashed avos.’

Another added: ‘Nice if you can get it,’ while one commented: ‘Much like Trump’s dad gave him a “small loan of $1Mil.’

Of course, the average college graduate HAS actually borrowed that much money (see graphic above), but they just preferred to blow it all on alcohol, birth control and a degree in English literature.

Speaking of a degree in English literature…

This woman complained to her boss because she wasn’t making enough money. She graduated with a non-STEM degree (English literature), and lives in one of the most expensive cities in America. (The cities that are all run by leftist Democrats who love to spend money on public works and welfare). She didn’t even have roommates to split the rent!

I see this in so many young people – complete disregard for the future in order to have fun, thrills and frivolous travel right now. And all their same-age friends support their decision-making. Young people don’t listen to grown-ups who have experience and real achievements. They listen to their friends. I know one woman who literally flew off to be a missionary in Europe for two years, on the advice of two Christian students, neither of which had ever worked a full-time job or saved money. They were proudly living off their parent’s incomes into their late-20s, and she looked to them for advice on education, career and finances.

Low-income earners can still save money

You don’t have to have a great job to make choices that lead to growing your wealth.

Here is an article from Business Insider about how to build wealth on a minimum wage salary.

Excerpt:

Here are the key expenses that someone on minimum wage can consider cutting, to make an immediate impact:

  • Moving to a more affordable city can cut living expenses considerably. It’s hard to accumulate wealth in Manhattan or San Francisco, but is much more likely in Buffalo or Memphis.
  • Eliminate commuting. Cars are expensive, and it is possible to get a place close enough to work to bike.
  • Cut some wires, particularly cable. After all, it’s 2017 – just go with internet and Netflix.
  • Don’t eat out, unless it’s absolutely necessary.
  • Skip most purchases of new clothes. Instead, make thrift stores your new best friend, and don’t be afraid to mend holes in clothing.
  • Cut expensive activities, and rediscover that the best things in life are free. Playing many sports can be free (or cheap), and public libraries are free (or cheap).

Once that’s done – it’s all about investing in yourself.

The Obama administration set interest rates low for the last eight years, encouraging people to borrow more and more money – money that they could not pay back. Thankfully, the private sector has ways of encouraging people to save money.

This article is from the far-left The Atlantic.

Excerpt:

Late last summer, Dawn Paquin started keeping her money on a prepaid debit card from Walmart instead of in a traditional checking account. The wages from her factory job—she works from 9 p.m. to 5 a.m., inspecting blades on industrial bread-slicing machines—now go directly onto the Visa-branded card, which she can use like a regular debit card, though unlike most debit cards, it is not linked to a checking or savings account.

[…]The card is more convenient, Paquin said, and she doesn’t have to worry about monthly statements; she tracks her money, and pays all her bills, with the card’s associated phone app.

[…]In a 2015 Federal Reserve Board survey, 46 percent of respondents reported that they would have trouble coming up with $400 in an emergency; living paycheck to paycheck is now a commonplace middle-class experience. So while Paquin noticed that her Walmart MoneyCard app asked her from time to time whether she wanted to “stash” some money, she didn’t bother to figure out what that actually meant, let alone respond.

Then, late last year, she got an email saying that a “prize savings” feature had been added to her card. If she kept some of her balance in a virtual “vault,” meaning that it would not show up in her available funds, she would be eligible to win a cash prize in a monthly drawing—up to $1,000. Every dollar in the MoneyCard Vault would equal an entry in that month’s drawing. This caught her interest. A prize would go a long way toward her being able to buy a car. It also made her focus on what all those “stash” requests were about. “Oh, cool, this can work as a savings account, too,” she remembers realizing. So when she got paid, she started setting aside “10 bucks, 20 bucks, whatever I could.”’

[…]The program was launched to a limited number of MoneyCard holders in August, offering 500 prizes a month—one for $1,000, the rest $25 each. In December, the company reported that the number of Vault users had grown more than 130 percent, to more than 100,000, and that the average savings had grown from $413 to $572, a 38 percent increase.

Paquin actually did end up winning the $1000 prize for stashing some of her earnings. And she saved most of it, of course. Because she learned from the incentives.