Why Lease to Own to Millennials


Originally ghost written for the Road Runner newsletter published Fall 2018.

When it comes to selling to the Millennial audience, many businesses are discovering they are unable to provide them with the right lending option for myriad reasons. Millennials are walking away from larger purchases and many brick and mortar stores are seeing a decline in business especially when it comes to this demographic. Understanding this audience and what they need to purchase large ticket items will increase sales and improve revenue.

Who are Millennials?

Millennials make up the largest portion of the population in U.S. history. Millennials are those born between 1982 and 2004. According to the U.S. Census Bureau, they now number 75.4 million, surpassing the 74.9 million Baby Boomers (ages 51-69). 1 Millennials are often divided into two groups, young Millennials (20-23) and older Millennials (32-35). Since they make up such a large portion of the population, it is imperative that retailers understand this demographic and cater to their needs.

Roadblocks to a Millennial Purchase

Millennials have several roadblocks when it comes to making larger purchases. Their average salary is 20% less than the previous generation, and their median net worth is 56% less. 2 Sadly, at the same time, college costs have increased dramatically, and the average student loan debt is $29,400. 3 This creates a generation saddled with debt and an inability to purchase larger ticket items.

In 2009, the Credit Card Accountability and Disclosure (CARD) Act was passed making it more difficult for younger Millennials to obtain credit cards. It restricted credit card companies from marketing to college students on campus and prevented them from giving incentives for signing up if they were under the age of 21. The change in marketing as well as other restrictions created under the same act, make qualifying for a credit card problematic at best. 4

As a result, the percentage of Americans under 35 with one or more credit cards is at the lowest since 1989, according to the Federal Reserve. The financial crisis also affected how Millennials view credit and many refrain from having credit cards altogether to avoid overspending. 5 The outcome is a generation that often has little to no credit history or poor credit.

One study shows that “two-thirds of consumers under 30 have subprime or non-prime credit scores and one-third of Millennials don’t have any credit history.” 6 If they need to purchase a large ticket item, many Millennials won’t qualify for traditional lending options that rely heavily on FICO scores. Retailers have felt the effects and watched as sales decline on larger ticket items. Few Options Available Millennials are left with few valid options when it comes to lending. Most companies haven’t kept up with their changing needs, and as a result, Millennials end up using less than optimal solutions, such as cash advance options, which only furthers their debt cycle. Many leasing companies have popped up over the years, but lack the stability or technology to cater to the needs of this demographic.

Why Lease-to-Own is the Perfect Solution for Millennials

An ideal solution to the difficulties posed by the Millennial generation is a lease-to-own option that allows those with less-than perfect credit greater purchasing power with an approval process designed to address their needs and concerns. Lease-to-own offers an alternative to traditional lending or finance, while offering Millennials flexibility

An ideal solution should provide the following:

• Mobile friendly

• No debt cycle

• An underwriting process that doesn’t solely rely on consumer credit

• Fixed term

• Flexible payments

• Ability to terminate

• Technology-based

• Early buyout options available

• Instant decisions

Progressive Leasing is at the forefront of understanding the Millennials and addressing their needs when it comes to making larger purchases.

To learn more about Progressive Leasing’s services, visit …


1. Millennials overtake Baby Boomers as America’s largest generation | Pew Research Center, Millennials overtake Baby Boomers as America’s largest generation,

2. Millennials earn 20% less than Boomers did at same stage of life 3. Survey: More Millennials Say No to Credit Cards |, More millennials say ‘no’ to credit cards, finance/credit-cards/more-millennials-say-no-to-credit-cards-1.aspx.

4. Student card survey: Offers fewer but more generous, Student card survey: Offers fewer but more generous, php,

5. How Millennials Became Spooked by Credit Cards, https://, NATHANIEL POPPER, AUG. 14, 2016.

6. Why millennials are often denied credit, Why millennials are often denied credit, http://www.cnbc. com/2016/10/24/why-millennials-are-often-denied-credit.html, Jessica Dickler

3 Negative Effects of the Financial Crisis

Writing PLain 7.jpeg

Copy created for the Progressive Leasing website published as part of a B2B marketing initiative. 

The year 2008 marked the beginning of a financial crisis that still affects Young Millennials today. It began when the housing bubble began its steep decline in 2006-2007. Shortly after, default rates on adjustable-rate mortgages and subprime mortgages began to increase drastically. These changes in the housing market affected retailers across the U.S. as well. They saw a decline in purchases of larger ticket items and fewer qualified for traditional financing options. 

The financial crisis that began in 2008 changed the opinions of many Young Millennials. They experienced the negative fallout themselves or by watching their parents and are hesitant to use credit and often fear debt. Bankrate's survey suggests this fear is not unfounded. 

1. Credit issues

  • Only 40 percent pay off their balances each month.  

  • They are more likely to miss payments completely.

  • A recent survey conducted by Bankrate suggests 63% of millennials don't have a credit card at all. 1

  • They defer major purchasing milestones like buying a home or a car.2

The recession caused many Americans born roughly between 1981 and 1996 to defer major adult milestones like purchasing a home or car purchases and delaying marriage.3 This also affects merchants selling larger ticket items often purchased by homeowners such as home furnishings and appliances. 

2. Weak job market

Lingering weakness in the millennial job market is not just a transient problem. The fact that millennials entered the job market at the worst time in modern history, not to mention the fact that employment opportunities continue to be below pre-recession levels, mean the financial crisis has left an indelible mark.4 Young millennials have less disposable income as a result and continue to struggle financially. 

3. Lower Income

The Federal Reserve’s 2013 Survey of Consumer Finances found that the median incomes of households headed by 18- to 33-year-olds fell 19% between 2007 and 2013, compared with the same age cohort in 2007. Across all age brackets, median incomes fell a more modest 12%. This comes despite the fact the millennial generation is the best-educated in American history.5

What does this mean for retailers?

Recently, Experian conducted a study that shows that 47% of YM will most likely use alternative lenders over traditional lending. They also discovered that 57% are also willing to use alternative and innovative companies and/or services. This data is crucial in understanding how to meet the needs of Young Millennials who often don't pursue traditional lending options due to credit problems but still want to purchase more expensive items.6

They may feel as though their hands are tied and may even avoid purchasing items they need but feel they can't afford. Retailers that provide alternate solutions may be able to drastically increase their revenue by tapping into this market. One alternate solution a retailer might consider is a lease-to-own option that allows a consumer with bad credit or no credit history to qualify for a larger ticket item. 

To learn more about how your retail store can solve lending problems for Young Millennials, download the full white paper here. 


  1. Why millennials are often denied credit, Having little or no credit history often stands in their way.,, Jessica Dickler, Tuesday, 25 Oct 2016 | 9:30 AM ET

  2. This Is What the Recession Did to Millennials, This Is What the Recession Did to Millennials,

  3. This Is What the Recession Did to Millennials, This Is What the Recession Did to Millennials,

  4. This Is What the Recession Did to Millennials, This Is What the Recession Did to Millennials,

  5. This Is What the Recession Did to Millennials, This Is What the Recession Did to Millennials,

  6. Millennials and Credit: Survey Results,

Product Information webPage

Copy created for a product page information for King Fisher Media.


High T Black is a natural testosterone booster scientifically formulated with a select combination of nutrients to help men build muscle mass, increase testosterone naturally, and recover more quickly from strenuous workouts. It was developed by experienced professionals to benefit men.

It is known as our “Hardcore Formulation” as it helps you rebound faster after a hard day. Since testosterone production begins to slow after the age of 30, it was developed with the intent of boosting your health in areas where age naturally takes its toll.

With a healthy diet and exercise, High T Black is scientifically formulated to benefit your overall well-being by increasing the following:

  • Testosterone

  • Sexual drive and libido

  • Strength and stamina

  • Energy and vitality

  • Muscle mass

How Does High T Black Work?

High T Black offers a unique combination of natural, high quality ingredients. These ingredients are shown to help with endurance and reduce your recovery period. High T Black contains high quality ingredients such as NO3X Nitric Oxide Booster and Raspberry Ketones.

Increased Testosterone Levels

Beginning at age 30, testosterone production rapidly begins to decrease, leading to a natural decline in a man’s testosterone levels, often leaving him with less energy, lower sex drive, and reduced strength and stamina. High T Black is formulated with the herb Fenugreek. This well-known, versatile herb is known to naturally aid in testosterone production and increases a person’s overall sexual drive and/or desire. It also supports the immune system and muscle mass.

Increased Sex Drive and Libido

High T Black contains a proprietary blend of high quality ingredients meant to increase testosterone production, including Fenugreek, Trigonella Foenum-graecum, and Rhodiola Rosea. As your testosterone levels increase, you’ll start to notice a change in your libido after taking High T Black for at least eight weeks.

You will have much more energy after a long day, allowing you to continue to enjoy the remainder of your day. Your sexual desires will not only increase, but you’ll also find it easier to act on those desires once you have incorporated this supplement into your diet.

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As you age, it becomes more difficult to maintain the strength you once had in your prime. With High T Black, you’ll bounce back faster after a hard workout, as well as maximize your strength during exercise.

High T Black features NO3X, a specialized blend of nutrients that work together to boost the body’s production of nitric oxide. This increases blood flow to the skeletal muscles, speeding the delivery of nutrients and oxygen to muscles during and after a workout. When used in correlation with resistance training, the hardcore formulation in High T Black will help improve endurance and strength, and increase exercise capacity.

Increased Energy and Vitality

High T Black also contains vitamins B12 and B6. Vitamin B12 naturally increases energy and is beneficial if you lack motivation or weakness. Vitamin B6 aids in the production of serotonin, which is essential in heightening your mood. This natural supplement also helps you rebound faster after a workout, allowing you to achieve your performance goals.  By including these ingredients regularly, energy and vitality can be increased.

Increased Muscle Mass

High T Black contains ingredients that aid in the delivery of nutrients to muscle, resulting in an increase of muscle size and strength. By increasing the amount of nutrition muscles receive, muscles grow more quickly, strength is increased, and recovery time is reduced. Taking this product for at least eight weeks while incorporating a healthy diet into your lifestyle and increasing your strength training will allow you to easily increase your muscle mass. As you become stronger, you’ll find that each workout becomes less of a challenge.

Key Ingredients Offer Proven Benefits

  • NO3X NitricOxide Booster is a specialized blend of nutrients formulated to increase nitric oxide production in the body.

  • Arginine Alpha-Ketoglutarate (AAKG) is a precursor to nitric oxide production. It improves muscle endurance, increases strength during strength training, and improves exercise capacity.

  • L-Citrulline-Malate is a non-essential amino acid that supports exercise recovery and cardiovascular health. It helps increase nitric oxide production and remove ammonia from the body, which helps increase blood flow, so nutrients and oxygen are transported more easily. It also helps reduce lactic acid production.

  • CarnoSyn Beta Alanine is a non-essential amino acid used to synthesize carnosine. Low carnosine levels can lead to more muscle fatigue during exercise. It increases physical endurance and buffers lactic acid production.

  • Caffeine Anhydrous is a dehydrated form of caffeine. This dehydrated state has greater effects on physical performance.  It increases endurance, while also enhancing muscular and neuromuscular performance. Consumption before a workout can also significantly alleviate muscle soreness.

  • Eurycoma Longifolia helps increase testosterone levels, improve sexual desire and libido, and increase overall male virility.

  • Razberi-K (Raspberry Ketone) is composed of ketones specifically found in red raspberries.  It helps improve metabolic efficiency — so the body is better able to absorb dietary fats and increase the breakdown of stored fat, making it easier to better balance weight.

  • Rhodiola Rosea strengthens resistance to mental and physical fatigue and improves sexual function. It helps moodiness and depression, and is also known to prevent an increase in appetite and weight gain that can be brought on by stress.

  • Fenugreek Extract supports libido and testosterone function—promoting healthy testosterone levels. Additionally it helps with muscle strength, energy, and well-being.

  • Tribulus Terrestris helps to reduce inflammation.  It also aids in cardiovascular function and helps maintain healthy cholesterol levels.

  • Trigonella Foenum-graecum (Fenugreek) offers anti-inflammatory and analgesic properties for improved muscle health; it also aids in decreasing post-workout recovery time.

  • Vitamin B6 helps to relieve stress and maintain healthy hormone levels. It is essential for protein metabolism and muscle health.

  • Vitamin B12 is imperative for healthy neurological function and overall health. It can help improve mood swings, decrease fatigue, and improve muscle weakness.

  • Vitamin E is an antioxidant that helps blood circulation and benefits testosterone production. As an antioxidant, it lowers inflammation in the hypothalamic-pituitary-gonadal area, thus stabilizing testosterone and other hormone levels.

  • Zinc has been proven to help sustain healthy testosterone levels. Sufficient levels of this trace element have also been known to improve sperm count and increase sex drive.

Start Building Muscle Mass with High T Black!

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The statements on this website have not been evaluated by the FDA. The FDA only evaluates food and drugs, not supplements. These products are intended to support general wellbeing and are not intended to diagnose, treat, cure, or prevent any disease. The information provided on this site is for informational purposes only and should not replace any knowledge obtained from a health care professional. You should consult a physician before starting any diet, exercise, or supplement, or if you suspect you might have a health problem. As with any supplement, your results may vary based upon your body type.



Brand Ambassador Webpage

Copy created for the HighT Ambassador program. Published as part of a website rewrite which focused on simple, clear, inviting language for customers and brand fans.

High T is a brand of all-natural supplements developed by King Fisher Media, LLC and is one of the fastest growing supplement brands in the US. We’re looking for ambassadors to join our team and grow with us.

To join, you must:

  • Be active on social media.
  • Be passionate about health & fitness, our vision, and of course about our brand.
  • Be willing to represent our brand and help with promotion on social media.
  • Be willing to write a product review during the 90-day period

In exchange, you’ll get:

  • Affiliation to a leading supplement brand.
  • The chance to become a sponsored athlete if you show dedication and generate enough sales (we’re looking to offer sponsorship to our most successful ambassadors).
  • 90 days of free product and 15% Off additional purchases made during the 90 days
  • Your own unique link and a discount code to promote us.
  • 10% commission on any orders placed within 30 days of someone following your unique link or using your discount code which can be used toward future product purchase or paid via gift card.
  • A weekly email to update your statistics and track sales

To Apply:

Please email the following information to us at

  1. First and last name
  2. Email address
  3. Links to your social media pages
  4. Why do you want to become an ambassador for High T Products?
  5. Why should we accept you?
  6. Why are you passionate about our brand?
  7. Which product are you most interested in? (Excluding KF Naturals and the IQ product lines.)

Health & Wellness Newsletter

Copy created for the Delta Member Services Newsletter funnel. 

Many people discount the importance of their environment when battling illness. The focus is on treating the illness and not the surroundings of the individual. However, studies show that your healing environment may have a significant impact on your recovery.

What is healing?

The stress of illness can be minimized through healing environments. The word healing means to make whole and is derived from the Anglo-Saxon word haelen. Making a body whole consists of addressing mind, body and spirit. Eliminating the environmental stress of a traditional hospital setting is often helpful for those battling illness.

In order to elevate healing, a more holistic approach is necessary. This allows a patient to move towards wholeness regardless of the disease. Often, this shift in attitude allows a patient to experience a full recovery from illness. Humans are complex and providing a cohesive healing experience is the ultimate in health restoration.

What should a successful healing environment consist of?

An optimal healing environment takes three things into consideration: the larger physical environment, the social environment, and your natural environment. Elements such as light, space, and aromas are also considered in creating a space conducive to optimal healing. When patients experience calm surroundings, their bodies are able to heal in many ways.

There is another aspect of the healing environment which is often overlooked, and that is the internal environment. This is the thoughts, emotions, and beliefs of the individual experiencing illness. The complexity of the mind can have a positive or negative outcome on the patient’s experience. By fostering a positive thought process and beliefs, much can be done to improve healing in the body.

Why is nature important?

Studies have shown that nature is a key element in an optimal healing environment. A person’s stress is reduced tremendously when in nature. It improves the cohesion of the mind, body, and spirit allowing for further health recovery. It facilitates healing through calm, restorative spaces. Interacting with the natural environment has aided many pursuing recovery from a large variety of illnesses.

Receiving support

Another important aspect of health restoration consists of supportive care from both clinicians and families alike. They help support both the emotional environment as well as the physical one. Anyone dealing with chronic disease understands how important it is to have well trained staff and loved ones available to provide empathy as well as treatment. They can also help a patient choose the appropriate environment best suited for recovery.

What options are available for an optimal healing environment?

While hospitals are beginning to understand the importance of the external environment for healing, they are often stressful and lack the ideal surroundings for true relaxation. Those suffering from chronic illness often choose to receive treatment at home and create a sanctuary, if possible. For others, they may choose options such as the Delta Member Retreat.

This type of setting is ideal for those seeking a full health recovery as it incorporates each of the important aspects of an optimal healing environment. However, no matter where you choose to receive treatment, make certain to take into consideration all of the aspects that will provide you the most success and recovery.