• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.

Millennial Finances And Social Media

Recently Charles Schwab completed its 2019 Modern Wealth Survey. After polling individuals 23 to 38 years of age, the study concluded that millennials are farther into debt than previous generations, they are living paycheck to paycheck, and spending is out of control.

The study found that two thirds of millennials say that money is a major source of stress. Almost two-thirds of millennials say they’re living paycheck to paycheck and only 38% feel financially stable. Yet millennials also say they spend an average of $478 a month on “nonessential” purchases, such as dining out, entertainment, luxury items and vacations.

Spending is also far more encouraged, and much easier to do with social media and technology at our finger tips. Gone are the days where we needed to make the decision to get in the car and go shopping. Last year e-commerce sales grew 15% with over 72% of those transactions being made from a smart phone or tablet. Internet retailers were the reason for $517.36 billion dollars in consumer spending in 2018.

Seeing the lifestyles of our friends on social media has spurred a whole new level of “keeping up with the Joneses”. That’s because a majority of social media users are paying more attention to how their friends spend than how they save. How many of your friends are posting about how big their savings account balance is this month versus how many are posting photos of their latest vacation or fancy dinner?

For more information contact your Modesto bankruptcy attorney at (209) 438-4990.

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