If you’re a parent, you’ll probably know first-hand that millennial finances aren’t anything like our own.

Millennials spend completely differently than we do. They also have huge debts that many of us don’t have to worry about.

For instance, a study of millennials found that around four in ten (39%) of those ages 25 to 37 have a bachelor’s degree or higher. If your child is younger than this, they’re even more likely to rack up the debts involved with further education.

In a hilarious video online, one man documents exactly what millennial finances are like today.

In a mock interview setting, Trey Kennedy questions a millennial (played by himself) about his financial situation.

Every answer that Trey the millennial comes up with is hilariously accurate, and somehow manages to roast and sympathize with millennials at the same time.

The video starts with Trey as a financial advisor welcoming Trey the millennial to his “office”.

Maybe not all of us would be desperate enough to send our kids to a financial advisor, but many of us have certainly considered it.

So when Trey sits down and informs his financial advisor that “my dad made me do this, he said he’s not paying my phone bill”, we’re instantly laughing.

The conversation kicks off when Trey the financial advisor asks Trey the millennial what he does.

Trey the millennial is fully prepared with his answer, explaining that he has a “great GPA, resume – strategic communications”. But, he adds, he could barely find a job, and he hates the one he has now. Despite earning 34k.

Trey the financial advisor swiftly moves onto the subject of college loans, and his millennial client laughs in despair and says that he’s “feeling the burn”, but adds, “I’ll pay those later, though.”

So far, Trey has already managed to paint a picture of most millennials today – but it’s about to get funnier.

Trey the financial advisor asks Trey the millennial about his expenses. We’d expect the usual answers here: car insurance, rent, phone bill, and so on.

Which is why it’s so funny when Trey answers, in a very blasé manner:

“Oh, daily Starbucks. You know, I already had mine. And then Samuel’s food, vitamins, medicine, shots…”

Samuel, of course, isn’t Trey’s child – it’s his fluffy little corgi.

When pressed about his monthly expenses, we finally think Trey the millennial will come up with something a little more standard. But no – he mentions all his subscriptions, including Netflix, Spotify Premium, Hulu, Amazon Prime, and iCloud storage.

Ask your millennial child about their monthly subscriptions and it’s very likely that they’ll come out with a similar list, if not the exact same one. We’d never consider these the most important monthly expenses – how times have changed!

Throughout the conversation, Trey the millennial makes hilarious references to his parents.

They still pay his phone bill and he uses their password for cable TV. His dad even dealt with his home’s mortgage. It might sound like an exaggeration, but we all know it’s based on fact!

There are so many funny moments in this video, from when the financial advisor asks Trey if he’s “depositing things” and he starts talking about “emotional deposits”, to when the topic of 401ks is brought up and Trey says, “Are we supposed to be adding them up? I’ve done, like, a bunch of 5ks.”

If you haven’t seen it yet, this mock interview will have you in stitches!

Trey is certainly a talented young man to have pulled off such a realistic impression of a typical millennial’s financial situation.

You can watch the full video below.

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Article Sources:

Trey Kennedy/ YouTube

Pew Research

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By Laura Shallcross

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Laura Shallcross is a contributor at SBLY Media.