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Gen Z’s Mindset on Retirement Financial Planning
What does retirement and financial planning look like when you're 25? And, why should young people start caring about it now?
In this episode of #GenZ, Dr. Meghan Grace is joined by Zechariah Schaefer, founder of Ascent Personal Finance, to explore what financial planning and retirement preparation actually means for Gen Z. This conversation dives into how today's Gen Z professionals are redefining success, blending purpose with planning, and seeking financial strategies that truly fit the life they want to live today and in the future.
Zechariah shares his personal story—from growing up around Wall Street to launching his own advice-only wealth firm designed specifically for high-earning Gen Z and Millennial clients. Together, Meghan and Zechariah uncover how young people today are navigating wealth-building with intentionality, flexibility, and a healthy skepticism of outdated financial norms.
You’ll leave feeling empowered to reflect honestly on your finances and your future. Zechariah leaves us with simple, practical insights:
Money is your story. It’s not just numbers. It’s about aligning dollars with your values and the life you want.
Rent or buy? Do the math. Owning a house isn’t always best. In many places, renting saves money and reduces stress.
401(k)s and IRAs are buckets. They’re not investments. They’re tools with tax benefits. Use them in the right order.
DIY or hire? Test yourself. Do you have the time, talent, and desire to manage your money? If not, find help. And if you hire, make sure they review your tax return.
Start simple. Spend less than you earn. Pay off high-interest debt. If possible, save about 15% of income and use tax-advantaged accounts first. Make sure your money is invested and diversified, not just sitting in cash.
Connect with Zechariah on LinkedIn
Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Investment advisory services offered through Focus Financial. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
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By WRKdefined Podcast Network
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What does retirement and financial planning look like when you're 25? And, why should young people start caring about it now?
In this episode of #GenZ, Dr. Meghan Grace is joined by Zechariah Schaefer, founder of Ascent Personal Finance, to explore what financial planning and retirement preparation actually means for Gen Z. This conversation dives into how today's Gen Z professionals are redefining success, blending purpose with planning, and seeking financial strategies that truly fit the life they want to live today and in the future.
Zechariah shares his personal story—from growing up around Wall Street to launching his own advice-only wealth firm designed specifically for high-earning Gen Z and Millennial clients. Together, Meghan and Zechariah uncover how young people today are navigating wealth-building with intentionality, flexibility, and a healthy skepticism of outdated financial norms.
You’ll leave feeling empowered to reflect honestly on your finances and your future. Zechariah leaves us with simple, practical insights:
Money is your story. It’s not just numbers. It’s about aligning dollars with your values and the life you want.
Rent or buy? Do the math. Owning a house isn’t always best. In many places, renting saves money and reduces stress.
401(k)s and IRAs are buckets. They’re not investments. They’re tools with tax benefits. Use them in the right order.
DIY or hire? Test yourself. Do you have the time, talent, and desire to manage your money? If not, find help. And if you hire, make sure they review your tax return.
Start simple. Spend less than you earn. Pay off high-interest debt. If possible, save about 15% of income and use tax-advantaged accounts first. Make sure your money is invested and diversified, not just sitting in cash.
Connect with Zechariah on LinkedIn
Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Investment advisory services offered through Focus Financial. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
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