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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

Electra and Violet are new moms to an adopted chick. The same-sex Gentoo penguin couple lives at the Valencia Aquarium in Spain.In a social media post, the facility says “Although same-sex couples are common in more than 450 species in both zoos and nature, it's the first time this has happened in our aquarium. So... Welcome to the world little one!”The pair started building a nest together out of stones and acting like they were getting ready for a baby. So, the aquarium let them “adopt” another couple’s extra egg according to a statement. They were able to incubate and hatch the egg this month.Electra and Violet will raise the chick until it becomes independent, which is about 75 days. 704

ESCONDIDO, Calif. (KGTV) - An Escondido CrossFit class got quite a nasty surprise when they went outside for their workout, Wednesday. They found human feces.The owner of Boombox CrossFit North, Brittani Ramirez, said she was in shock when she heard over the phone, "I didn't believe her; I was like no, we get dogs back there all the time, like I'm sure it was just a stray dog."When she looked back at their security footage, it showed a man walking up to the back door, wiggling the handle, then walking to the corner of the lot, pulling down his pants and defecating.The footage showed it was 3:30 p.m., just an hour before class started."One of my amazing members Lacey stepped in, she gloved up, got some trash bags, she got some bleach, and Katie, one of my coaches, the two of them handled the business," Ramirez said.A health concern for everyone involved. Ramirez said this isn't her first unpleasant experience with homeless, she said they've been stopping in over the three years Boombox has been open."They walk in and they see it's obviously very different in here but still a lot of them are mentally ill or on drugs so they don't quite understand," Ramirez said before she bought the building, it was a redevelopment center for homeless and convicts. The former facility was there for more than 30 years.Ramirez hopes the city can do something to help them. At the gym, she's planning to lock the gate each day to make sure there is no more unwanted surprises.The Deputy City Manager, William Wolfe, said the city's reunited 50-60 homeless people with their families who are now caring for them. He said he is meeting with local business owners Thursday night to talk about forming a homeless task force. He said the city already has a Quality of Life Team, made up of local leaders to address these issues and seek out solutions. If a business owner has an issue with homeless, Wolfe said they should call him.Ramirez opened Boombox after rediscovering her love for fitness. She played basketball, volleyball and softball in her youth and after having children she wanted to rekindle that fire. Her gym is named after their empowering music that is often flowing through the open doors.Ramirez said the gym is a labor of love, adding members helped her paint the gym and build equipment. 2313

ENCINITAS, Calif. (KGTV) -- A popular Encinitas cafe was destroyed and nearby residences were evacuated following a blaze early Monday morning.Crews were called around 12:15 a.m. to a commercial building fire at 698 N Coast Highway 101, about three blocks from the coastline.Witnesses reported hearing an explosion then seeing the building fully engulfed almost instantly. "I heard a really loud pop and then I heard some yelling," said Matt Prior, a nearby resident. He thought the noise was gunfire until he realized the popular Mozy Cafe was engulfed in flames."I went outside and saw like a really big orange glow," said Prior.Flames were still raging an hour after the first units arrived. More firefighting units were called to the scene and crews evacuated nearby residential buildings.No injuries were reported.In total, Mozy Cafe and three other businesses resided in the destroyed commercial building. Firefighters remained on the scene as of 6 a.m. to monitor hot spots. The cause of the fire is under investigation but officials say it does not seem suspicious.The owners of the four businesses say they want to rebuild and have created a GoFundMe to raise money. 1185

Elon Musk's young startup, Neuralink, wants to one day implant computer chips inside people's brains. The goal is to develop implants that can treat neural disorders — and that may one day be powerful enough to put humanity on a more even footing with possible future superintelligent computers. In a video live demonstration on YouTube Friday explicitly aimed at recruiting new employees, Musk showed a prototype of the device, which is meant to be implanted in the human skull. Ultra-thin wires hanging from the device would go directly into the brain. 562