How Do You Segment Millennials? Based On Technology.

Author: #NAMB Guest Author, Entertainment

How do you define a millennial? How do you segment millennials?

It seems like almost every article on millennials cites a slightly different range of birth years. Strauss and Howe, the gentlemen who coined pop generational theory as we know it, defined millennials as those born between 1982 and 2004.

For the purposes of this article, a millennial is anyone born between 1981 and 2000, as it’s a neat 20 years, and because I think the turn of a millennium should start a new generation.

Do a Google search of ‘millennial’ and you’ll come across articles that perpetuate all sorts of generalizations. Millennials are lazy and entitled. Millennials value making a difference above all else. The reality is you can find millions of millennials who fit these generalizations, and millions who don’t.

However, one thing that many millennial articles do touch on is that during the boom of the millennial generation, social media, and technology in general, took off in full force. But, not all millennials grew up with each form of technology and social media. The technology that we’ve grown up with has helped each segment of the millennial generation. It’s shaped our likes and dislikes, what types of media we’ve had access to, and even some of our personality traits.

Since demographics are typically the dojo of the marketer, the blogosphere is overflowing with articles on how millennials are “killing” virtually every industry. But, how can an 18-year-old and a 35-year-old possibly share the same characteristics when they’ve never occupied any stage of life at the same time?

To accurately analyze millennials, or any generation for that matter, you have to segment the generation into subgroups of three to five years. For instance:

  1. Pre-Millennials: 1981 to 1983
  2. First Wave Millennials: 1984 to 1988
  3. Second Wave Millennials: 1989 to 1993
  4. Third Wave Millennials: 1994 to 1997
  5. Post-Millennials: 1998 to 2000

Pre-millennials and post-millennials are the transitional subgroups. Pre-millennials have more in common with late Gen-Xers than third wave millennials. Post-millennials have more in common with early Gen-Zers than they do with first wave.

Since one of the most-perpetuated millennial generalizations is that millennials are “digital natives,” the focus of my analysis is on 25 of the most significant technological milestones between 1995 and 2016. This range of years was chosen because it is when millennials ‘grew up,’ and it is during this time that our psychosocial makeup develops.

Pre-Millennials (1981-1983)

Age in 2017/2018: 34-36 

Pre-millennials were 12-14 when the world wide web went mainstream in 1995, and 14-16 when AIM launched in 1997. The internet as we know it didn’t really take shape until pre-millennials were in college. This subsection experienced their entire pre-pubescent childhood without the internet.

Pre-millennials were 16-18 when Napster launched in 1999. They, along with the youngest third of Gen X, were the first digital music pirates. Pre-millennials were a driving force behind Napster’s growth, as well as the normalization of music pirating.

Speaking of music, pre-millennials were 18-20 when the first iPod launched in 2001. They can remember burning CDs to listen to in their Sony Discman. They played a large role in the mass adoption of the iPod.

Pre-millennials tend to not have the social media obsession that is typically assigned to millennials, as they were 20-22 when MySpace launched and 21-23 when Facebook first launched to college students. They were also 28-30 when Snapchat was released, and tend to not have the affinity for Snapchat typically associated with millennials.

First Wave Millennials (1984-1988)

Age in 2017/2018: 29-33 

First wave millennials were 7-11 when the world wide web went mainstream. This subsection has memories of dial-up and pre-Google internet, as well as memories of a pre-internet childhood.

This subsection has inklings of digital nativity but are not the true digital natives. First wave millennials were 11-15 when Napster launched and 13-17 when the first iPod launched. Their adolescence was shaped by the ability to carry their entire music library in their pockets.

Three-fifths of first wavers were in college when Facebook launched to college students in 2004. They were the first adopters of Facebook and the start of the “Social Media-savvy” millennials. They were out of college by the time Instagram and Snapchat launched. First wavers may use these platforms now, but they were not the millennials behind their popularity explosion.

Second Wave Millennials (1989-1993)

Age in 2017/2018: 24-28

Second wave millennials were 2-6 when the World Wide Web went mainstream. They most likely do have some vague memories of life before the internet. It is in this subsection that the transformation from digital trailblazers to digital natives is complete.

Let’s look at music streaming as an example. Second wavers were 6-10 when Napster launched and were not a part of Napster’s growth. They were, however, big users of P2P services like Kazaa and Limewire. Pirating music was normal to them.

Second wave millennials were huge users of AIM in their pre-teen years, and they were 10-14 when MySpace launched in 2003. They were avid users of MySpace before Facebook opened up to high school students in 2005. Many were heavy users of Facebook in high school, and they are the first subsection to have every person they’ve known since high school as a Facebook friend.

This subsection has a large number of Apple loyalists among its ranks. They were 14-18 when the iPhone first launched, 15-19 when the App Store launched, and 19-23 when iMessage launched. Many got their first iPhone late in high school or early in college. They were 17-21 when Instagram launched and 18-22 when Snapchat launched, and were the trailblazers of the “selfie.”

Third Wave Millennials (1994-1997)

Age in 2017/2018: 20-23

Third wave millennials are the start of the true digital natives, as the oldest were only one year old when the World Wide Web went mainstream. They were only newborns and toddlers during all of the major digital milestones of the 90’s and do not have memories of a pre-internet childhood. They also don’t have memories of pre-MP3 world. They were 4-7 when the first iPod launched, and many most likely never have burned a CD or used a cassette.

When it comes to social media, third wavers were 6-9 when MySpace launched and 9-12 when Facebook launched to everyone 13 and up. Third wavers had Facebook accounts all throughout middle school and high school.

Third wave millennials were 10-13 when the iPhone launched and 11-14 when the App Store launched. Most third wavers probably got a Smartphone as their first cellphone in high school. They were 13-16 when Instagram launched and 14-17 when Snapchat launched, so they played a huge role in the growth of these two platforms. They were 15-18 when iMessage was released and played a huge role in the popularity of group messaging apps like WhatsApp.

Post-Millennials (1998-2000)

Age in 2017/2018: 17-19 

Post-millennials were unborn when the World Wide Web went mainstream and for most of the digital milestones of the ‘90s. To post-millennials, the internet was never “new” technology. They have always known the internet as a normal part of life, and they grew up in an era where buying and selling things on the internet became normalized. They were also never exposed to the pains of dial up internet, as WiFi went mainstream when they were 3-5.

Post-millennials were 1-3 when the iPod launched and grew up in a world where MP3 players were the norm. CDs to them are a foreign technology. Mobile music streaming services like Pandora and Spotify became the new normal for the music industry as post-millennials were in their teens.

When it comes to social media, post-millennials were 6-8 when Facebook launched to Everyone over 13, 5-7 when YouTube launched, 10-12 when Instagram launched, and 11-13 when Snapchat launched. Post-millennials had social media since they were preteens and have experienced their teen years in the age of social video. In this sense, they relate more to the oldest members of Gen Z than the oldest millennials.


If you were waiting for me to tell you how each of these millennial subgroups thinks and feels, then I’m sorry to disappoint you.

I think assigning psychosocial characteristics to a group based purely on demographic information such as birth year is utterly useless. Instead, what I hope to have accomplished with this article is a crack in the cognitive armor of those who have gotten all of their information regarding millennials from those on Madison Avenue. This chart gives you a method for taking a deeper look at the events that actually shaped the psychosocial development of millennials. With that being said, this is not meant to be anything but a conversation starter.

Am I missing any events that you felt had a huge impact on you growing up? I’m always down for a chat on Twitter (@BPucino).

About the Author:


Brett Pucino is a multi-passionate millennial blogger who loves to write about entrepreneurship, career advice, branding, and personal development. He is a regular contributor for and, and is in the process of becoming a career coach under the guidance of Jay R. Lang of



How to Make the Frightening Transition From College to Adult Life

Adulting, Author: #NAMB Guest Author

Making the transition from college life to adult life can be difficult, especially if you were one of the partiers who stayed up all night and then crammed for the exams in the final hours. Adult life may seem like it is fun, but it’s filled with responsibilities, stress and sometimes even anxiety as you learn to handle all types of situations on your own. But, there are some ways to make transitioning from college life to adult life just a little bit easier for you.

Cut back on parties
In your college days, you may have partied from dusk till dawn, but those days are now just a distant memory. As you enter adult life, you do not want to party that entire time because, after all, you do have to wake up and go to work in the morning. While you do not have to stop partying altogether, you should at least not party throughout the week. Save it for the weekend when you can go out and enjoy the company of your friends. While there is nothing wrong with enjoying a cold one on Wednesday night, you should do so in moderation to ensure that you can still handle your responsibilities in the morning. You’ll save money, too!

Get on a routine
Not everyone can be on the same routine, so you need to figure out what works for you and stick to it. While you do not have to plan your day down to every minute of every hour, you should have an idea of when you need to do things. For example, you go to bed every night between 9:00 and 10:00 p.m. and you wake up every morning between 6:00 and 7:00 a.m. The more you stick to a routine, the more time you will have throughout your day. Make sure you plan for time to exercise, laundry and other activities that may be part of your daily life.

Keep your home free from clutter
If you have a lot of clutter in your home, it can cause you to feel anxious and distract you from the things that you need to do. Take some time to clean up that clutter and keep your home as organized as possible. The less clutter the better. If you never knew that clutter could affect you, a 2011 study out of the Princeton University Neuroscience Institute showed that when people are surrounded by stuff they do not want or need, it has a negative effect on the brain’s ability to process information and focus.

Turn off the electronics
From smartphones to TVs, electronics exist in just about every home. While you may have been stuck to the side of your phone in college, now that you have transitioned into the adult world, you need to make sure you unplug these devices and take time for yourself. Too much time on electronic devices can negatively impact your mind and ability to focus on the things you need to. Step away every day for about an hour or two and do something that you want to do. Some great activities to consider include walking, heading to the gym, reading a book or even interacting with your friends in a face-to-face setting.

Get your student debt under control
Did you know that the average graduate in the Class of 2017 has over $20,000 in student debt? If you are anything like me, you are probably trying to wrap your head around your student loan bill. Student loans can be complicated. But the first thing you should do is create a spreadsheet where you document the different types of student loans you have. Do you have federal student loans? What about private student debt? What is your interest rate? In your spreadsheet, you should outline the type of student loan, interest rate, monthly payment and total interest cost. Next, setup auto-pay so that you never make a late payment. Lastly, don’t be afraid to prepay student debt. Both federal and private educational loans do not have prepayment fees.

You’ll have to take care of yourself
In your college life, you were used to your friends waking you up, having someone always by your side and being able to eat ramen noodles in your dorm. Now that you no longer live in your dorm room, you are responsible for yourself and taking care of yourself. This means that you will need to grocery shop and cook food day in and out to make sure you receive your nutrients and stay hydrated. In addition, you will have to worry about waking yourself up for work in the morning because there will be no one else nearby to do it for you. The things that you were once used to in college are now going to be things that you must do on your own.

Once you graduate college, a lot is going to change as you transition into the real world. It is important that you not only understand what to expect, but that you are ready to make the changes necessary to help you grow and prosper in your new adult life. One of the most important things to keep in mind is that you will be responsible for your actions and also responsible for making sure that you show up to work every day and handle all of your obligations — something you may not have needed to do in college.


About the Author:

Lauren Davidson is a millennial transitioning from college to adult life, working to pay down her student loan debt through freelancing.


Meet the Millennials Leading a Tech Revolution in Nigeria’s Oil-Rich Delta

Author: #NAMB Guest Author, Real Life Stories

One of my favorite gifts was an autographed copy of The Fourth Industrial Revolution written by Professor Klaus Schwab, founder of the World Economic Forum.

Prof. Schwab always speaks very passionately when he describes the transition the world is currently undergoing; in the book he describes it as something the world has never experienced before. In his words, “We stand on the brink of a technological revolution that will fundamentally alter the way we live, work, and relate to one another. In its scale, scope, and complexity, the transformation will be unlike anything humankind has experienced before.”

Can we already see that transformation happening? Yes, shopping online is the new norm in Nigeria. When I wrote my UTME (Unified Tertiary Matriculation Exam) in 2008 I wrote with paper and pencil.

The peculiarity with the Fourth Industrial Revolution is that it will happen very fast and you might wake up one morning to find out that the world is totally different from what it was the night before. One of my favorite quotes from an article describing the digital revolution in The Economist puts it succinctly;

“The stone age didn’t end for lack of stones…”

For the Niger Delta, the world’s third largest delta, popular for being one of the major oil producing regions in the world, I keep asking; how would the tech revolution hit the region? Would we still be holding on to crude oil and one day wake up to realize nobody wants to buy our oil?

These are the questions that set me on the journey to discover what the tech future could hold for the Niger Delta and its people.

The Journey
In February 2017 I got the rare privilege to work with Stakeholder Democracy Network on a research project to access the tech ecosystem in three Niger Delta States namely; Rivers, Cross River, and Akwa Ibom States.

My friend and I travled for over 12 hours through Uyo, Calabar and Port Harcourt to speak with the people who are; starting hubs and co-working spaces, building apps, and organizing events and meetups to encourage the development of tech solutions to problems facing various communities in the Niger Delta.

This journey transformed me as you will see in the documentary. It gave me hope. It increased my belief in the region and its emerging millennials who are taking their destiny into their hands and making their voices heard in the conversations that matter.

This journey also increased my belief in myself.

The Workflow
I couldn’t believe that I actually shot, edited and completely produced a documentary with my mobile phone. Like, are you guys kidding me? I had never ever shot a documentary in my life prior to this time! I’m serious — I didn’t even know what I was doing.

RTE Journalist, Glen Mulcahy predicts that by 2021 the media will be dominated by mobile, and over 500 media professionals gathered in Galway for the 2017 Mobile Journalism Conference (MoJoCon). I myself got involved with New Media (and the internet in general) through my mobile phone not because it was classy but because that was all I had. I went on to produce an interview series out of curiosity that has now featured over 120 leaders and experts from around the world.

The idea of producing this with my phone didn’t seem very alien to me — even if this was my first shot.

I used my Infinix Hot Note 2 Android mobile phone alongside the following apps; Cinema FV-5, Camera FV-5, Wavepad, Sound Recorder for Android and KineMaster.

The Documentary
Too much talk right? Now see what I eventually made:

This is not an all-encompassing story. For want of time I couldn’t feature everyone from the Tech space in the Niger Delta who is doing amazing work. However, there will be sequels and you can follow me on Twitter and Facebook if you have story ideas or suggestions on how I can make these videos better. It’s been very fun experimenting film making with mobile.

Please don’t tell me to buy a better camera!


About the Author: 


Ebenezar Wikina hails from Kono in Khana Local Government Area of Rivers State, Nigeria. He is a digital journalist who is passionate about the role of new media in advancing the work of diplomacy and sustainable development. Ebenezar currently serves as Digital Communications/Research Officer at the Government of Rivers State Sustainable Development Goals Office. He contributes regularly on various local and international platforms such as; The Huffington Post, Ventures Africa, UNICEF Voices of Youth, City News Port Harcourt; and his writing has been featured on the United Nations Website, the World Economic Forum Blog, Agenda, CNBC Africa, to mention a few.On his globally-read interview column, The Stroll, which he started in 2013 with his mobile phone, Ebenezar has engaged over 120 global leaders and change makers around the world. In November 2014, Ebenezar organized TEDxYouth@OrdinanceRoad, the only TEDxYouth event in West Africa that year, and has previously volunteered for TEDxStadiumRoad, TEDxPortHarcourt and TEDxPortHarcourt Salon. In June 2015 he was one of the outstanding 80 youths and Global Shapers from around Africa selected to represent their hubs and countries at the 25th Anniversary of the World Economic Forum on Africa which held in Cape town, South Africa, where he was also a speaker at a public session on “technology and media consumption.” In June 2016, Ebenezar was elected Curator of the Port Harcourt Global Shapers Hub which has one mandate, to #ShapePortHarcourt. Connect with Ebenezar on Twitter @EbenezarWikina

Pulling Out of the Paris Climate Accord is Trump’s Scariest Move

Author: #NAMB Guest Author, Current Events/Politics

We knew he was unfit. We knew he was scary, and a demagogue, and someone whose interest in holding office had everything to do with his ego and nothing to do with public service. And on Thursday, Donald Trump made the scariest move of his young presidency.

Ever since the revelations about James Comey’s firing and the investigation into Russia’s influence in the election, I’ve told anyone who will listen that the impeachment and potential removal of Trump from office would give way to someone (Mike Pence) whose right-leaning agenda is far more dangerous, but who had a much smaller chance of getting us in to World War III.

And what Trump did — starting the process of removing the United States from the Paris Climate Accord — is arguably more dangerous than World War III. Unless it devolved into nuclear war, a potential third World War wouldn’t lead to the end of the world as we know it. Climate change, though? That’s irreversible. And eventually, it will lead to the end of the world as we know it.

The sight of Trump on the White House lawn on Thursday afternoon, gleefully announcing he was putting America first by pulling out of the Paris Climate Accord — as dozens of sleazy constituents cheered and clapped — was sickening. These people were cheering and clapping about the denial of scientific evidence. They were celebrating something that could imperil the human race.

And why was Trump doing this? As he said, it was to put America — specifically cities like Pittsburgh — first. To bring back jobs to regions the Paris Climate Accord negatively impacted. So, how did the mayor of Pittsburgh, Bill Peduto, respond?

He tweeted the following:


Shortly after Peduto’s tweet, the Governor’s of New York, Washington, and California announced the formation of the United States Climate Alliance.

All of the issues the citizens of the United States have marched about since Trump took office have been of importance. But this? This supersedes everything. If we don’t stop global warming, we won’t have a globe.

The good news? As the New York Times points out, what Trump did is not something that will go into effect immediately. Rather, it will take roughly four years to go into effect. Translation? We can prevent it by voting this incompetent excuse for a human being out of office in just under three and a half years (if he’s still in office by then).

There were many who predicted Trump would govern as a centrist once he took office, that the insane promises he made while campaigning would fade away. Those people were wrong. Now, it’s time for us to continue to fight back against this wannabe dictator before he does irreversible damage to this country and the rest of the world.


Disclaimer: The political views presented in this article do not necessarily reflect the views of Not Another Millennial Blog. 

3 Ways Millennials Can Learn About Personal Finance for Free

Adulting, Author: #NAMB Guest Author

When it comes to money, millennials know that they owe a lot of it — especially when it comes to student loans. More so than any other generation, millennials are feeling the squeeze of student loan debt, with the average borrower in 2016 having nearly $28,000 in loans. In fact, the national student loan debt now stands at $1.4 trillion (up from $260 billion in 2004), and is predicted to continue growing.

Student loan debt can largely be attributed to the ballooning cost of college tuition and fees, which has far outpaced the rate of inflation.  But it can also be chalked up to the number of American college students who willingly sign up for substantial debt, seemingly without any real idea of what the loan documents mean or how difficult it will be to repay these loans.

Money makes the world go round, and yet so many Americans know so little about it. Financial literacy appears to be largely unimportant in the United States, with only 17 states requiring students to take a course in personal finance in order to graduate.

This leaves many millennials in the difficult position of learning about how money works after they’re already out in the real world — with a job, bills and student loan payments.  If they haven’t been fortunate enough to learn about personal finance from their families or in high school or college, how can they learn about it now?

Luckily, there are some great free options available for millennials who want to learn about personal finance, and they don’t even require you to leave your home. With a laptop and a strong internet connection, you can take advantage of these courses and learning modules to take control of your finances and be on your way to financial security.

Family Finance Course
This course is offered through Utah State University. Over the span of 14 units, students are taught the basics of personal finance, including budgeting, taxes, debt, major purchases, mortgages and even creating a financial file. Each unit takes approximately 100 minutes to complete, and includes an action step at the end to help you work towards the ultimate goal: coming up with a financial plan of your own.

Free Personal Finance Course
The University of Arizona offers a free 15-unit course for all to take. It covers variety of topics through a series of posts, organized in a way that helps you go from more basic concepts of financial literacy to more complex issues. At the end of each lesson is a quiz to test you on what you have learned. With this course, you don’t have to enroll and can move at your own pace, making it ideal for anyone who wants to learn more about personal finance without being tied down to more specific course requirements.

Fundamentals of Personal Finance
The University of California-Irvine offers this course, which is aimed at individuals who want to get their finances in shape but cannot afford a personal financial planner. It has eight general topics: goals, figuring out where you are financially, taxation, keeping bad things from interrupting your goals, investing, funding retirement, college planning and estate planning basics. Each of these eight objectives or goals has between one and six lessons, and you can choose among the different topics. The lessons are all available online, and the entire course will take approximately 25 to 30 hours to complete.


Each of these courses each are geared towards general personal finance issues. There are other specific free online courses on topics such as credit, retirement, buying a home and more.  They are typically offered through universities, and are offered free of charge for all learners — including millennials.

Financial literacy is a skill that is valuable at all stages of life, from high school to college and beyond. It can assist you in choosing a college that helps you avoid going into significant student loan debt, in living within your means while in school, and in paying back your loans quickly after you have graduated. Financial literacy is also the key to reaching your other goals after you are out of undergraduate or graduate school, such as saving for retirement, buying a house, or even getting married or having kids. With a wealth of free online courses and other options available, there is no excuse for not learning as much as possible about the world of personal finance — and taking charge of your finances.


About the Author: 

Drew Cloud is a journalist who typically writes about student loans, personal finance and education. He always had a knack for reporting throughout high school and college where he picked up his topics of choice. Since his graduation from college, Drew wanted to funnel his creative energy into an independent, authoritative news outlet covering an exclusive and developing industry. Thus, the Student Loan Report was born. You can reach out to him at