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Experts say those feeling the pain of the financial crisis the most are millennials. The generation has missed major milestones that past generations enjoyed in their 30’s and 40’s as a result of dealing with two major financial crises over the past decade.However, it may not be all gloom and doom for millennials. The economic cycles the generation has experienced early on could lead them to understand the economy and markets better, potentially leveraging that to greater future gains.Many millennials graduated and entered the workforce during the 2008 Great Recession. They were just hitting their prime, and then, this pandemic and a second major financial crisis hit.“It just feels not only like we can’t catch a break, but we can’t even get started without something coming along and taking away a lot of what we worked for,” said Erin Lowry.Erin Lowry is an author and wrote the books “Broke Millennial” and “Broke Millennial Takes on Investing”.“The big thing to consider for your financial future is this will be temporary,” said Lowry. "We are going to get through this just like we got through ’08.”Surveys conducted by the Urban Institute show at least 1 in 3 millennials are struggling financially right now, and millennials as a whole have less acclimated wealth at this stage in life than the prior generation. To change that, even during this recession, Lowry believes there are a few key things millennials can do.“You do want to think about doing, and I hesitate to say it like this, but the least damage currently,” said Lowry.She recommends minimizing the amount of debt you may need to take on to get through this economic downturn. Also, protect your credit scores as much as possible by making on-time payments.Pay the minimum if needed or contact your lenders to work out agreements that will not show missed payments on your credit report. In the future, you’ll want a healthy credit score to be able to qualify for mortgage loans or auto loans at a lower interest rate.Lastly, try to still contribute to your retirement plan even if it’s a little bit. If you are in a position where every penny counts right now, think about a time in the near future when you can start to again invest. That is important because, historically, the market will rebound.To recover on a better financial footing, you want to buy when the market is low, or down, and reap the gains as the economy recovers.“After 2008, we went on to have one of the longest bull runs in stock market history,” said Lowry. "We don’t know what is going to happen after the coronavirus recession, but you don’t want to miss out on potentially huge returns.”The possible advantage of going through two recessions early in life may be a better understanding of the economy and a stronger desire to understand the market, along with learning how to use the downturn as an opportunity for future gains. 2896

FALLBROOK, Calif. (KGTV) -- A tortoise is recovering after falling 10 feet from a wall Sunday, cracking its shell.The tortoise was found by a good Samaritan after falling from a 10-foot wall while being chased by a dog, according to the County News Center.The 70-pound tortoise was taken to a veterinary hospital where animal services were called.Officials say that’s when they learned it would cost several thousand dollars to fix the 35 to 40-year-old tortoise.“We have a donor-driven Spirit fund that we can use for severe medical cases such as this one,” said County Animal Services Director Dan DeSousa. “This tortoise will get the extensive, aggressive care and long-term observation that he needs to regain his health and hopefully live to a great, old age.”The tortoise underwent surgery Tuesday, where veterinarians put screws into the shell then used ties on the screws to hold the broken pieces together.Veterinarians then used the same paste material that dentures are made from to seal the cracks.For more information or to donate to the Spirit fund, click here. 1098

ESCONDIDO, Calif. (KGTV) -- A North County family is raising money for an Escondido Police officer with a brain tumor. According to the family, Brett Byler was found to have a large brain tumor on February 16. The family said in a GoFundMe that Byler had surgery Thursday to remove 80 percent of the tumor. Byler is scheduled to undergo chemotherapy for the remainder of the tumor. The family says Byler is a former Marine and has been a police officer since 2009 with the Department of Defense and San Diego Police. Click here for the GoFundMe. 554

Fall foliage has officially started here in the United States, and Roadtrippers has created a gorgeous map to show where and when to see the autumn colors.Leaves are changing in Vermont, and other areas will begin seeing the same soon. 248

ESCONDIDO, Calif. (KGTV) — A 19-year-old’s call for help on social media after experiencing homelessness ended with an overwhelming amount of support from the community.Caleb Dershem recently moved to Escondido from Ohio in March.“I wanted to get more experience, try new things,” he said.He had a job driving for DoorDash and a roof over his head, but after some struggles, he ended up without a home in June, sleeping in his car.The car that became his shelter was stolen last week. In need of a place to rest his head, Dershem took to Facebook to post in the Escondido Friends group.“My car I have been sleeping in has been stolen, and I need a place to stay for the night while I wait till morning for the shelter resources to open. If anyone knows any safe places, let me know, please. I’m 19 and from Ohio,” he wrote.Moments later, dozens of North County residents reached out to Dershem offering advice."It's overwhelming to find out how many good people are actually out there," he said. "All I asked for was a place to stay for the night."There was one stranger, a man named Mike Shaw, who would answer Dershem’s call for help.“Our goal is to get some information from him, find out where he is, find out briefly what’s going on,” said Shaw. “And we put him in a hotel.”But the help didn’t end there. Shaw is the Executive Director of Southern California Youth Emergency Services, or SoCalYes.The nonprofit provides help for youth in situations like Dershem’s.“We focus on street outreach and education, focusing on youth that are 12 to 24 years old on the streets homeless,” he explained.Less than a week later, Shaw helped Dershem secure a one-bedroom apartment, next they’re working on full-time employment and replacing his stolen car.“Get him stable, get him some counseling, get him a vehicle and get him employed,” said Shaw speaking of the next steps. “Make him a productive member of our society and our community.”Dershem said he's ready to get back on track.“Mike’s been great to me, helping me with a plan to get myself together, and I appreciate him a lot,” said Dershem.It was an act of kindness that possibly changed Dershem’s life. Shaw wants other young people in situations like Dershem’s to know that resources are available at SoCalYes.“It was like a breath of fresh air, but it was new air, it wasn’t the air I was breathing before,” said Dershem.After overwhelming support from the community asking how they can help Dershem, Shaw started a GoFundMe page for those who would like to donate. 2529

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