Luckily, there’s greener grass on the other side of the luxury apartment complex …

There’s nothing more sobering than being read aloud your net worth when applying for a loan. As you struggle to find “assets” that might be considered “collateral” on a loan for a new 2000 Carrolla, the reality sets in that the zeros trailing it somehow got lost in the high stakes game of life.

Don’t worry, you’re not alone. Most millennials have net worths somewhere between Cool Ranch Doritos and becoming a government liability.

Financial website The College Investor calculated the average millennial net worth (assets minus liabilities) to determine how fucked the country’s future really is and which financial bubble will bring down the economy next. 

Because the average millennial carries around $30,000 in student debt, the website calculated liabilities primarily on student loan debt, a financial burden which has almost doubled within the current generation. Graduates in the Class of 2016 are saddled with $37,172 in student loan debt, on average, while those in the Class of 2003 had an average of $18,271 to pay back upon graduation. 

It’s a daunting chart of financial predicaments, but there’s greener grass on the other side of the luxury apartment complex. Interests rates are poised to remain low for the foreseeable future and the job market appears to be gaining steam. Combine those facts with the amazing number of likes you receive on your Facebook posts and there appears to be light at the end of the tunnel.

If you're wondering how much you should have shoved away for a rainy day, advisors recommend $10,400+, which is equivalant to your annual salary from that really cool startup making apps for dogs to use. Seriously though, here's how you can save money to achieve this goal. You can thank us later.