Savings & Retirement

Budgeting Tips for Gen Z as Cost of Living Eats Into Savings

While some traditional financial guidelines seem impossible to follow, advisers offer ways to control expenses and build savings.

Photographer: Gabby Jones/Bloomberg
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Gen Z is struggling to save.

A higher cost of living, coupled with lower starting wages and student debt, is making it challenging for many to budget. This can delay important financial milestones like buying a house and saving for retirement. And it increasingly means young people are relying on the bank of mom and dad for longer, or even “doom spending” to soothe their economic despair.