Money Guy Show The #1 Financial Fear Plaguing Gen X & Gen Z (& How to Beat It)
Nov 26, 2025
Explore the financial fears uniting Gen X and Gen Z, with many feeling underprepared for their futures. Discover key insights into retirement shortfalls and the stark realities of savings across generations. Learn essential steps to build financial confidence and the importance of starting early. The hosts also dive into listener questions about HSA changes, choosing financial advisors, and managing underwater car loans. Lastly, get tips on saving effectively while navigating various income situations.
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Shared Financial Fear Across Generations
- Gen X and Gen Z share one dominant fear: feeling underprepared for their financial future.
- Economic realities and lack of early financial education amplify that anxiety across both generations.
Gen X Facing Retirement Reality
- Half of Gen Xers feel unprepared for retirement with many having little or no savings.
- The shift from pensions to 401(k)s left Gen X responsible for retirement outcomes they weren't fully trained to manage.
Prioritize Financial Education
- Educate yourself using reliable financial resources to improve decision-making.
- Consistent learning reduces mistakes and helps you navigate future financial choices more confidently.