Gen Z’s Money Problem Is Worse Than You Think | Gen Z Money Habits Explained | With Claer Barrett

#genzmoney #studentdebt #sidehustle #fintok #personalfinance #costoflivingcrisis #genzworkforce #investingforbeginners #housingcrisis #financialliteracy #futureofwork #moneytalks Gen Z money, student debt, side hustles, investing, buy now pay later, housing crisis and financial anxiety — are Gen Z financially savvy or financially screwed? This week on It’s All Relative, I sit down with Financial Times columnist Clare Barrett to unpack one of the defining generational questions of our time: What happens when an entire generation grows up expecting economic instability? Unlike millennials, who came of age during a consumer boom, Gen Z were shaped by the aftermath of the 2008 financial crisis, stagnant wages, unaffordable housing, and the collapse of the old promise that hard work guarantees security. And it’s changed how they think about money completely. In this episode, we explore: 00:00 Intro 02:34 Meet Clare Barrett 03:40 Student Debt Reality Check 05:15 Savvy Workplace Power 06:19 Side Hustles New Normal 08:44 Tuition Fees And Career ROI 10:27 Deposit Versus Debt 13:19 Happiness Curve Flattening 14:20 Is University Still Worth It 16:43 Gen Z Investing Boom 22:15 Trading Apps And FinTok Risks 23:44 Finance Influencers Rules 24:21 Brands Chase Gen Z 25:32 How Gen Z Learns Investing 26:29 Frictionless Spending Debt 28:07 Buy Now Pay Later Reality 30:04 Housing Dream Slips Away 31:11 Renting Landlord Ethics 31:54 Help To Rent Debate 33:49 Shared Ownership Pitfalls 36:45 Money Talks Relationships 38:10 Protect Yourself Legally 40:59 Gen Z Money Openness 43:50 Savvy Or Screwed Finale 44:29 Episode Wrap And Outro 🔔 Subscribe to the Channel A weekly show unpacking generational change, money, work, technology and modern life. Subscribe so you don’t miss the next episode. 🌍 Find Claer Barrett here Website: https://www.claerbarrett.com/ Financial Times Column: https://www.ft.com/claer-barrett Instagram: https://www.instagram.com/claerb/?hl=en LinkedIn:   / claer-barrett-74088414   📚 Buy Inheritocracy My book on inheritance, wealth and the Bank of Mum and Dad: 👉 https://www.amazon.co.uk/Inheritocrac... 🌍 Find Me Here Website: https://www.elizafilby.com Instagram:   / drelizafilby   LinkedIn:   / elizafilby