Gen Z, Loud Budgeting & the New Rules of Adulting

In this episode, Shari sits down with Holly O’Neill, who has a front-row view of the financial behavior of 69 million clients, to unpack what Gen Z is really doing with their money and why it matters for every generation.

From the rising cost of living and the true price of “adulting” to real-time balance checking, early saving habits, and the viral trend of loud budgeting, this conversation breaks down how 18- to 28-year-olds are navigating financial stress in a high-cost, digital-first world.

You’ll hear what the data actually says about Gen Z and budgeting, saving, investing, dating, financial independence, and family support — and why this generation may be more proactive and financially aware than they get credit for.

Holly also shares practical strategies that work at any age, including how to use the 50/30/20 budget, build an emergency fund, automate your savings, and control impulse spending without feeling deprived.

If you’ve ever wondered whether Gen Z is behind or ahead financially, how their money mindset is reshaping relationships and long-term goals, and what their habits can teach you about reducing financial stress and building a life you can actually afford, this episode is your roadmap.

If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step.

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