Generation Z (born 1997–2012) is the first fully digital-native generation, entering adulthood with new financial challenges and opportunities. Many are just starting their careers, yet nearly seven in ten are already saving for retirement through employer plans, apps, or other accounts. They are beginning to save earlier than prior generations, often in their late teens or early twenties.

Despite these early habits, Gen Z faces significant obstacles such as student loan debt, rising housing costs, and concerns about the future of Social Security. Many expect to rely primarily on self-funded savings and investments for retirement. Their entrepreneurial spirit has also led to side hustles, freelance work, and gig economy participation to supplement income.

Gen Z is distinguished by its interest in socially responsible and sustainable investing, aligning financial choices with personal values. While retirement confidence is still developing, this generation has the potential to build a strong financial foundation through consistent saving, financial literacy, and long-term planning.

Gen Z is entrepreneurial and resourceful, with many pursuing side hustles, freelance work, or gig economy opportunities to supplement income. They are also highly values-driven, showing a strong interest in sustainable and socially responsible investing. With proper planning, guidance, and discipline, Gen Z has the potential to build a strong financial foundation that reflects both their goals and their values.

Source: Adapted from Transamerica Retirement Survey of Workers, 19th Annual Report (2019).

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