GoKawiilU.S. Bank study: Gen Z begins intentional wealth-building at 19, vs 32 for Boomers
A U.S. Bank survey finds Gen Z respondents report starting intentional wealth-building activities—like investing, retirement contributions or saving for long-term goals—at an average age of 19, compared with 25 for millennials, 29 for Gen X and 32 for Boomers. Separately, Northwestern Mutual's 2026 Progress & Planning Study found sizable shares of Gen Z have delayed milestones such as having children (24%), buying a home (31%) and marriage (20%) due to financial constraints. The U.S. Bank survey also found Gen Z and millennials more likely than older generations to view the stock market as a realistic wealth path and to be open to newer assets like cryptocurrency.