On generations.

Every cost suppliers have offloaded compounds downward. The youngest carry the most.

When a corporation transfers a cost (a carbon emission, a data extraction, a contingent liability, a debt) onto its customers, the cost does not disappear. It accumulates. And it lands hardest on the people who did not buy anything yet. Pick a generation. See what they pay.

Showing costs borne by
Adults aged 20 to 29

You inherit the bill.

You are the first generation in modern memory expected to be financially worse off than your parents. The system you are entering charges more for everything that used to be standard, while paying you less for the work that funds it.

What you pay
$21K¹
Education

Average student loan balance for Gen Z borrowers. After inflation adjustment, 13% higher than Millennials carried at the same age.

All-time
high²
Housing

Median monthly mortgage payment as a share of household income has never been higher. Homeownership among under-35 lags every prior generation at the same age.

85%³
Climate anxiety

Of people aged 16 to 25 are worried about climate change. Nearly half say it affects their daily lives. The warming is real. The contracts to slow it were signed before they could vote.

3.5hrs
Attention extracted

Average daily time on social media. The largest commercial extraction of attention in human history. The platforms that monetized it are richer than entire countries.

94%
Mental health

Of young people in the Blue Shield of California NextGen Mental Health Survey report regular mental health challenges. Up from 87% just two years earlier.

Your leverage

You are the largest single buyer cohort entering its peak spending years. The suppliers that have been extracting cost from you for two decades cannot afford to lose you. Aggregated, this generation has more bargaining power than any reform mechanism ever proposed.

Teenagers, 13 to 19

You are the product.

The platforms designed for your attention know more about you than your parents do. Your mental health, sleep, and self-image have been measurably degraded by services that you do not pay for in money. You pay for them in something else.

What you pay
95%
Exposure

Of teenagers aged 13 to 17 use a social media platform. One third report using social media "almost constantly." The brain is still forming. The algorithms are not.

Mental health risk

The risk of experiencing symptoms of depression and anxiety for teens spending more than three hours daily on social media. The US Surgeon General has issued a formal warning.

46%
Body image

Of teens 13 to 17 say social media makes them feel worse about their bodies. This is the product working as designed.

Sleep

Of adolescents use screens until midnight or later, during the developmental window when their brains most need sleep.

43%
Climate burden

Of teens say worrying about climate change negatively affects their mental health. They will live through every consequence of every emission accumulated to date.

Your leverage

The platforms that monetize you cannot operate without your time. The advertisers that fund the platforms cannot operate without your future purchases. You are the customer twice over, treated as a resource. The terms can be rewritten.

Children, 12 and under

You are inheriting a world.

A child under 13 cannot vote, cannot sign a contract, cannot opt out of the digital, environmental, or economic systems built before they were born. And yet they bear the largest accumulated cost of any decision made in the last fifty years.

What you pay
92%
Climate exposure

Of today's five-year-olds will face unprecedented exposure to heatwaves over their lifetimes under the more pessimistic warming scenarios. The comparable share for a Boomer was 16%.

100%
Microplastic exposure

Microplastics have now been detected in human placentas, breast milk, and the blood of every population tested. Children born today are pre-polluted. The long-term effects are not yet known.

Biodiversity loss

The average decline in monitored wildlife populations since 1970. A child today inherits a natural world fundamentally less alive than the one their grandparents grew up in.

Before
consent¹¹
Data extraction

Photos shared by parents. Apps installed by schools. Algorithms trained on their behaviour. The average child has thousands of data points captured before they can read.

11%
Cascading mental health

Of adolescents globally show problematic social media use, up from 7% just four years ago. The age of first exposure is dropping, and the effects are now reaching children.

The leverage point

A child cannot sign a contract. But a parent can sign one on their behalf. The single most powerful act of procurement a parent can perform is to set the terms with every supplier their child interacts with, before the supplier sets them first.

Children born today

You inherit everything.

A baby born this week will live to roughly 2100. Every emission, every debt, every data extraction, every plastic particle, every contract signed without their input is part of the world they will pay for. The bill is already being written.

What you pay
2.5°C¹²
Climate locked in

The minimum global warming a child born today is on track to live through. Most of the emissions causing it have already happened, before this child took a breath.

In utero¹³
Body burden

Microplastics cross the placenta. Children born today carry detectable plastic particles before they have inhaled their first breath of open air.

Inherited assets

The median net worth of households under 35 across most developed economies, adjusted for housing costs, has fallen behind every prior generation at the same age.

Before
birth¹¹
Digital identity

Pregnancy apps, hospital systems, and social media have already constructed a profile of this child. They will be born into a digital identity they did not create and cannot delete.

The forecast

Of adults globally believe today's children will grow up worse off financially than their parents. Three in four parents already expect this child to inherit a worse economy than the one that produced them.

The leverage point

Every decision adults are making now will be paid for by a person currently asleep, weighing seven pounds, with no say. Parents have one tool. The right to sign the terms with every supplier this child will encounter, before the suppliers write their own.


The cost of being young is the largest invoice ever written. It is also unsigned.

The pattern is the same across every generation on this page. A supplier produced a benefit, kept the profit, and offloaded the cost to a person who could not yet refuse it. The child does not know they are paying. The teen has no procurement tool. The young adult inherits the bill. Every generation since the 1970s has paid more for less.

Supplierism activates in two places. First, individuals who set terms with the suppliers they already buy from. Second, parents who set terms with the suppliers that touch their children, beginning with privacy, and beginning on day one.

This is the missing infrastructure of citizenship. The publication explains how it gets built.

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The framework in action

Build your terms for the next generation.

Generate the procurement terms that hold suppliers accountable for the world being handed to children growing up now. The selections that follow are pre-set for a household focused on children's safety and climate. Adjust freely.

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References
1
Education Data Initiative, Student Loan Debt by Generation, 2024. educationdata.org
2
Federal Reserve Survey of Consumer Finances and Freddie Mac, compiled in A Wealth of Common Sense analysis. awealthofcommonsense.com
3
Global survey of 10,000 youth aged 16 to 25, published in The Lancet Planetary Health, 2021, and confirmed by subsequent surveys.
4
US Department of Health and Human Services, Surgeon General's Advisory on Social Media and Youth Mental Health. hhs.gov
5
Blue Shield of California NextGen Mental Health Survey, 2025. edsource.org
6
Surgeon General's Advisory on Social Media and Youth Mental Health, US Department of Health and Human Services. hhs.gov
7
Medium analysis of teen concerns 2025, drawing on Pew Research and youth mental health surveys. medium.com
8
Thiery et al., Climate Change Will Cause a Lifetime of Extreme Heat for Today's Children, Nature, May 2025. scientificamerican.com
9
PMC review, Microplastics, environment and child health. ncbi.nlm.nih.gov
10
WWF Living Planet Report. Average decline in monitored wildlife populations from 1970 to present.
11
Compiled from multiple sources on children's digital footprints, including AVG Digital Diaries research and academic surveys of parental sharing behaviour.
12
IPCC AR6 Synthesis Report, 2023, projecting warming under current policy trajectories.
13
ESG Institute review of plastic pollution and reproductive health research, citing Shanna Swan and UN Environment Programme 2023 assessment. the-esg-institute.org
14
St. Louis Federal Reserve, Assets and Debt across Generations. stlouisfed.org
15
Pew Research Center, Around the World, Many Think the Next Generation Will Be Worse Off Financially. pewresearch.org