{"id":1326,"date":"2022-08-29T06:00:47","date_gmt":"2022-08-29T13:00:47","guid":{"rendered":"https:\/\/humanitywealth.com\/uncategorized\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/"},"modified":"2022-08-29T22:54:18","modified_gmt":"2022-08-30T05:54:18","slug":"4-ways-millennials-can-creatively-budget-to-fight-inflation","status":"publish","type":"post","link":"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/","title":{"rendered":"4 Ways Millennials Can Creatively Budget To Fight Inflation"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Much attention has been focused on the millennials in recent years, specifically on their new-age hardships and criticisms from baby boomers. If you were born in the 80s or 90s, you\u2019re a member of this group, nestled between generation X and gen Y. Finding success with money can feel like an uphill battle for many millennials\u2014are you one of them?\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/humanitywealth.com\/subscription-based-financial-planning\/the-rise-of-subscription-based-financial-planning-for-millennials-how-to-help-improve-your-financial-well-being-one-month-at-a-time\/\" target=\"_blank\" rel=\"noopener\"><b><i>Nevertheless, millennials can find a way to break through financial barriers with an affordable financial advisor in the Bay Area at Humanity Wealth.<\/i><\/b><\/a><b><i>\u00a0<\/i><\/b><\/p>\n<p><span style=\"font-weight: 400;\">By leveraging their greatest strength, creativity, the millennial generation has encouraged the use of social media, revolutionized business, and created an entirely new job category: the influencer. Discover viable financial strategies millennials can use to keep their finances under control, start some basic investing, and create a budget that works.<\/span><\/p>\n<p><b>This article answers pertinent questions about budgeting for millennials, including:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How can you have fun while applying discipline to your spending habits?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What should you consider before making a large purchase?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What\u2019s wrong with leaving all of your money in a savings account?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What are two basic forms of investment every young adult should know?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How can a wealth management advisor in San Ramon, CA help you financially?<\/span><\/li>\n<\/ul>\n<h3><a href=\"https:\/\/info.humanitywealth.com\/subscription-based-financial-planning\" target=\"_blank\" rel=\"noopener\"><b><i>Consider connecting with our advisors at Humanity Wealth through subscription-based financial planning. We serve both new investors and high-net-worth individuals.<\/i><\/b><\/a><b><i>\u00a0<\/i><\/b><\/h3>\n<h3><\/h3>\n<h2><b>1. Have fun but spend with discipline<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Everyone has their own concept of fun; the trick is to live a fun life while not feeling broke because living paycheck-to-paycheck is stressful, right? Achieving financial stability begins with having a bit of discipline in your spending habits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re the type to spend every penny as soon as you have it, it\u2019s going to take some changes in your mentality towards money to improve your finances. It\u2019s not that you can\u2019t ever spend money, but having some degree of financial discipline will keep you from wasting it on every misguided impulse. To build wealth, it\u2019s crucial to decide which types of spending you\u2019ll avoid so you can make more significant purchases in the future.\u00a0<\/span><\/p>\n<h3><b>Choose experiences over products.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">One of the best ways to fight inflation is to spend on experiences, not things. As you get older, your priorities change\u2014you start to care a lot more about experiences than material goods. Unlike most products, experiences are often remembered for a lifetime and can help you grow your network or learn new skills.\u00a0<\/span><\/p>\n<p><b>Here are some creative examples of choosing experiences over spending money on things:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Going out to the beach with friends instead of shopping at the mall\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Volunteering at an animal shelter instead of buying a puppy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taking cooking classes instead of buying fancy kitchenware<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take a date on a hike and picnic instead of an expensive restaurant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Go for a long hike instead of buying a treadmill<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Workout outside to avoid spending on a gym membership<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Learn to cook your favorite foods instead of buying fast food<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Save your money for an adventurous trip that you\u2019ll remember forever<\/span><\/li>\n<\/ul>\n<h3><b>Carefully consider big purchases.<\/b><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1770 alignleft\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_481231826-1400x938.jpeg\" alt=\"\" width=\"385\" height=\"258\" srcset=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_481231826-1400x938.jpeg 1400w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_481231826-500x335.jpeg 500w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_481231826-768x515.jpeg 768w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_481231826-1536x1029.jpeg 1536w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_481231826-2048x1373.jpeg 2048w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_481231826-1600x1072.jpeg 1600w\" sizes=\"(max-width: 385px) 100vw, 385px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Buying something expensive because you want it often results in buyer\u2019s remorse or overspending because you don\u2019t have enough information about what it will cost you in the long run. When buying big items, consider carefully if the purchase is necessary and does not negatively impact your budget.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If it does not fit within your financial goals and plans for the future, then put off buying it until later, when you can afford to pay cash upfront. Before making a big purchase, take the time to confirm that it will benefit your life in meaningful ways. For example, buying a house, moderately priced vehicles, and spending on education are often wise investments for millennials.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ultimately, developing the discipline to control your spending habits can put you in a prime position to begin making smart investments. It\u2019s this type of mindset that can take people from living paycheck-to-paycheck to building real wealth. Better yet, work with a financial planner to help hold you accountable.\u00a0<\/span><\/p>\n<h2><b>2. Implement basic investment strategies\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Since millennials and other young people have the advantage of time on their side, this is a perfect time to start making basic short and long-term investments. Even if you can just throw a hundred dollars into a Roth IRA or a CD at your local bank, it\u2019s worthwhile.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Investing in a tax-deferred account can be highly beneficial. These types of accounts are widely available to anyone, regardless of how much cash you have to invest.\u00a0<\/span><\/p>\n<h3><b>Here\u2019s the problem with keeping money in your savings account.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Before you acquire knowledge of money and investing, having money in your savings account seems like a smart strategy. While the savings account will keep your money secure, it\u2019s not ideal while we\u2019re in a period of high inflation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Essentially, if the low-interest rate associated with your savings account is less than the current rate of inflation, you\u2019re losing money. Since inflation is at a staggering 8.6%, the highest it\u2019s been since 1981, your money is likely losing value if it\u2019s sitting in a savings account.<\/span><\/p>\n<h3><b>Explore these basic investment options for millennials.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Consider these fundamental investment options that will help you begin building wealth:\u00a0<\/span><\/p>\n<h4><b>Certificate of Deposit<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Available at your local bank, a certificate of deposit (CD) is a great way to start your investment journey. This type of investment is considered short-term since you\u2019re lending your money for less than five years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before putting money into a CD, it\u2019s important to figure out how much you can part with and for how long. Once it\u2019s invested, there\u2019s typically a penalty for withdrawing it early, so it\u2019s wise only to put in an amount you can forget about for the duration of the investment.\u00a0<\/span><\/p>\n<h4><b>Traditional or Roth IRA<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If your job provides a 401(k), that\u2019s ideal, but an IRA is a viable alternative for those who don&#8217;t. <\/span><strong><a href=\"https:\/\/millennialmoney.com\/start-investing\/#:~:text=The%20differences%20between,cost%20investment%20options.\" target=\"_blank\" rel=\"noopener\">IRA stands for an individual retirement account<\/a><\/strong><span style=\"font-weight: 400;\">, and there are two types with different rules that apply to each.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Young investors may be better suited for a Roth IRA since you can take the money out without penalty. If you happen to pay high taxes, a traditional IRA offers the advantage of allowing you to reduce your tax burden, so it\u2019s crucial to review each type before investing.\u00a0<\/span><\/p>\n<h2><b>3. Consider a side hustle for additional income<\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1771\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/adobestock_267953177_optimized-500x333.jpeg\" alt=\"\" width=\"385\" height=\"257\" srcset=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/adobestock_267953177_optimized-500x333.jpeg 500w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/adobestock_267953177_optimized-1400x933.jpeg 1400w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/adobestock_267953177_optimized-768x512.jpeg 768w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/adobestock_267953177_optimized-1536x1024.jpeg 1536w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/adobestock_267953177_optimized-2048x1365.jpeg 2048w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/adobestock_267953177_optimized-1600x1067.jpeg 1600w\" sizes=\"(max-width: 385px) 100vw, 385px\" \/>What do you love to do that brings you joy? One of the greatest ways to make more room in your budget is to expand it. By <\/span><a href=\"https:\/\/millennialmoney.com\/best-side-hustles\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><strong>starting a side hustle<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, you can potentially build alternate sources of income that can help you in a variety of ways.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The goal of a side hustle is not to replace your regular job. In fact, there are many ways that having a second source of income can actually help you in your day-to-day life and career goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, while you might be able to get by without the extra money from a side hustle at first, it can be nice to have it later on when things get tight or if you need some extra cash for something important like an emergency fund or school tuition.<\/span><\/p>\n<h3><b>The many benefits of a side hustle.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Aside from generating additional income from your side hustle, it may also provide social and marketability benefits as well. The people you get to know, the followers you acquire, or the new skills you develop may be useful in other aspects of your life.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whatever your passion is, you can try to teach, write about it, or create content for it online. This has the intrinsic value of working on something you enjoy, but it can also lead to new forms of expertise and legitimate job opportunities in the future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even if your side hustle isn\u2019t necessarily a passion, having that extra income can enable you to do the things you want to do in life. It can simply be a smaller job you use for additional income.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, dedicating weekends to freelance writing or driving for UberEats may give you the money to buy the DJ equipment you always wanted, thereby expanding your opportunities. Whether you\u2019re pursuing a passion in your spare time, expanding your network, or creating new income streams, all are ways to improve your marketability vastly.\u00a0\u00a0<\/span><\/p>\n<h2><b>4. Get help when you need it as you need it<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You don&#8217;t have to do everything on your own, and this is especially true when it comes to managing your money. Our financial services firm in San Ramon is unique in that we provide financial planning support no matter how much money you have \u2013 through a convenient subscription!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think again if you\u2019re <\/span><strong><a href=\"https:\/\/humanitywealth.com\/financial-planning\/subscription-based-financial-advisors-versus-robo-advisors\/\" target=\"_blank\" rel=\"noopener\">considering a robo advisor versus a financial advisor<\/a><\/strong><span style=\"font-weight: 400;\">. You can finally have a professional on your side to help with <\/span><strong><a href=\"https:\/\/info.humanitywealth.com\/free-budget-reconciliation-worksheet\" target=\"_blank\" rel=\"noopener\">budgeting<\/a><\/strong><span style=\"font-weight: 400;\">, <\/span><strong><a href=\"https:\/\/humanitywealth.com\/college-saving\/top-5-myths-and-realities-about-529-college-saving-plans\/\" target=\"_blank\" rel=\"noopener\">education planning<\/a><\/strong><span style=\"font-weight: 400;\">, <\/span><strong><a href=\"https:\/\/info.humanitywealth.com\/tax-planning-worksheet-humanity-free-offer\" target=\"_blank\" rel=\"noopener\">tax planning<\/a><\/strong><span style=\"font-weight: 400;\">, <\/span><strong><a href=\"https:\/\/humanitywealth.com\/retirement-planning\/is-subscription-based-retirement-planning-right-for-me\/\" target=\"_blank\" rel=\"noopener\">retirement planning<\/a><\/strong><span style=\"font-weight: 400;\">, and more without being required to have a million dollars in assets to manage. We have an <\/span><strong><a href=\"https:\/\/humanitywealth.com\/pricing\/\" target=\"_blank\" rel=\"noopener\">affordable pricing plan<\/a><\/strong><span style=\"font-weight: 400;\"> for every budget.<\/span><\/p>\n<h2><b>Humanity Wealth Advisors is here to help millennials like you to get ahead<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you need advice regarding your investment opportunities, feel free to call <\/span><strong><a href=\"https:\/\/humanitywealth.com\/what-we-do\/\" target=\"_blank\" rel=\"noopener\">our team of experienced advisors<\/a><\/strong><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our financial advisors in San Ramon and Newark provide affordable financial planning for millennials and beyond. We provide a wide range of financial services that can give you confidence that your money is in the right place for your unique situation. <\/span><a href=\"https:\/\/humanitywealth.com\/about-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><strong>Connect with us at your convenience<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> to learn more about us and how we can help.\u00a0<\/span><\/p>\n<h3><b><i>Need help budgeting and investing in the Bay Area? Our professionals at Humanity look forward to meeting you and your loved ones. Consider a subscription to our services when you\u2019re ready to take your portfolio to the next level.\u00a0<\/i><\/b><\/h3>\n<p><a href=\"https:\/\/info.humanitywealth.com\/free-ebook-5-easy-steps-to-start-retirement-planning-now\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-1360 aligncenter\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2021\/12\/Untitled-design-1400x522.png\" alt=\"eBook Offer: 5 Easy Steps to Start Retirement Planning Now\" width=\"1400\" height=\"522\" srcset=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2021\/12\/Untitled-design-1400x522.png 1400w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2021\/12\/Untitled-design-500x187.png 500w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2021\/12\/Untitled-design-768x287.png 768w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2021\/12\/Untitled-design-1536x573.png 1536w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2021\/12\/Untitled-design-2048x764.png 2048w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2021\/12\/Untitled-design-1600x597.png 1600w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/a><\/p>\n<p><em><span style=\"font-weight: 400;\">Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All investing involves risk including loss of principal. No strategy assures success or protects against loss. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 \u00bd may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 \u00bd or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Much attention has been focused on the millennials in recent years, specifically on their new-age hardships and criticisms from baby boomers. If you were born in the 80s or 90s, you\u2019re a member of this [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[39],"tags":[73,74,75,76,77,57],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 Ways Millennials Can Creatively Budget To Fight Inflation<\/title>\n<meta name=\"description\" content=\"This article covers budgeting for millennials during inflation, including how to boost income, save money, and make meaningful investments.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 Ways Millennials Can Creatively Budget To Fight Inflation\" \/>\n<meta property=\"og:description\" content=\"This article covers budgeting for millennials during inflation, including how to boost income, save money, and make meaningful investments.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/\" \/>\n<meta property=\"og:site_name\" content=\"Humanity Wealth Advisors\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-29T13:00:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-30T05:54:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_246874657-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Harry Sherdil\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Harry Sherdil\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/\",\"url\":\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/\",\"name\":\"4 Ways Millennials Can Creatively Budget To Fight Inflation\",\"isPartOf\":{\"@id\":\"https:\/\/humanitywealth.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_246874657-scaled.jpeg\",\"datePublished\":\"2022-08-29T13:00:47+00:00\",\"dateModified\":\"2022-08-30T05:54:18+00:00\",\"author\":{\"@id\":\"https:\/\/humanitywealth.com\/#\/schema\/person\/ddb5f1da0f50d1162bfbe63975838d09\"},\"description\":\"This article covers budgeting for millennials during inflation, including how to boost income, save money, and make meaningful investments.\",\"breadcrumb\":{\"@id\":\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/humanitywealth.com\/financial-planning\/4-ways-millennials-can-creatively-budget-to-fight-inflation\/#primaryimage\",\"url\":\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_246874657-scaled.jpeg\",\"contentUrl\":\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/08\/AdobeStock_246874657-scaled.jpeg\",\"width\":2560,\"height\":1707,\"caption\":\"Great proposition. 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