It’s like an electric dog fence for humans with credit card debt.

“Treat yo self” is the millennial mantra.

Millennials grew up during one of the worst recessions in American history. Many were formed by memories of unemployed parents or foreclosed homes. After scrimping and slumming through college, eating ramen noodles and Bagel Bites, it’s easy for millennials to fall into a pattern of reckless spending once they finally get that first paycheck.

From student loans to credit card debt, millennials are on the brink of being the most in-debt generation of Americans. Luckily, there is a Pavlovian method to get them to improve their financial habits. It’s an electric-shock wristband that’s here to discourage spending and build up savings.

When Baby Boomers were in their twenties, they spent money on houses and cars. Today, millennials spend their hard-earned dollars on retail and fast food.

The Chicago Maroon

According to CNBC, millennials are spending more than EVER and making poor financial decisions along the way, such as failing to build up good credit scores. What is the number-one item twentysomethings overspend on? Coffee. It’s not a Starbucks addiction; it’s a Starbucks LIFESTYLE.

These frivolous spending habits put many twentysomethings in a bind, leaving them with a choice between paying for a night of tacos and tequila, or paying their utilities bill.


Not to mention: Student loans are literally the devil and parents are cutting their recent grads off at RAPID rates. The first season of “Girls” is the most accurate representation of millennial financial decisions and struggles.

The solution to this financial crisis? Pavlok, a Fitbit-like device that helps people break bad habits, especially overspending.


The wristband connects with the wearer’s bank and helps them set financial goals.

Live Smart

For example, spending only $50 at Chipotle per month, spending $0 at Starbucks, etc.

To hold people accountable to their financial goals, every time someone overspends, she or he gets shocked by the wristband.


This induces a Pavlovian response: For Pavlov’s dog, every time the bell rang, it meant the dog was getting food. For the millennial, every time they get shocked, it means they’ve spent too much.

Pavlok isn’t JUST for people with spending problems. It can help fix most bad habits.

Tech Crunch

The other habits Pavlok can help with are overeating, smoking, nail-biting, oversleeping, procrastinating, and basically any impulsive bad habit there is.

The shock isn’t dangerous, just mildly painful enough to encourage the wearer to cease and desist.

Daily Dot

The shock levels increase as the user breaks her or his goals. The highest level is 340 volts (keep in mind it takes like 10,000 volts to kill a person, so this voltage is totally safe). The mind eventually associates overspending with pain, and then the person won’t want to overspend in order to avoid pain.