It's a bit like some ex-religious folks I know who can only rant about how bad the people in their old faith were, and little else.
I think the suggestion to save for a near-term goal like vacation fun is more beneficial than telling her to plan for college, much less retirement.
Yeah, I do usually have more luck with near term goals. I don't think I would dream of trying for anything further out. She would laugh me out of town.
Sorry about the comments here turning into a resumption of my feud with the BPC spammers.
There have been complaints around legacy social media that Gen X and Millennials are the only ones who know how to use technology. We set up VCRs and learned computers in the 80s and 90s. We grew up with the early web and learned hard lessons about what to trust. We saw the emergence of Photoshop and parody news our elders took at face value. Now we see a younger generation who grew up with the idea of replacing phones and tablets every couple years, and believe artificial intelligence is actually smart and trustworthy.
You do have done good points but none more so than the AI one. They really do think that of AI. There is no inherent or instinctive or even learned distrust of them.
The tech stuff is where I struggle with their lack of understanding. Even the switch it off and on again joke is beyond them!
Even making sure things are plugged in isn't crazy. I've seen cables jostled loose enough to not work but still pass a cursory visual inspection. Whenever a computer would fail to turn on at the library, my first check was what kids had potentially been meddling with the day before.
I am forever following let's back to their origin and saying... I mean you have checked it's plugged in haven't you? The answer is always yes of course but the reality is no they haven't!