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How Gen Z is rewriting the rules of financial stability

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For a lot of Gen Zers, financial stability doesn’t mean a steady 9-to-5 and a mortgage—it looks more like a side hustle, an emergency fund, and some savings tucked in a high-yield account. Our latest report, Gen Z & Insurance: Rewriting the Rules of Financial Stability, explores how today’s young adults are navigating a perfect storm of economic uncertainty, rapid technological change, and declining trust in institutions—and what the insurance industry must do to stay relevant in their lives. Based on a national survey of 500 Gen Zers and in-depth qualitative interviews, the report sheds light on a generation working to build financial stability on their own terms—turning to side hustles, emergency funds, and DIY strategies as traditional institutions fall short. The findings reveal a growing gap between what Gen Z is doing to manage risk and create stability, and the limited role insurance currently plays in that effort. “There are a lot of assumptions being made about Gen Z right now

Report: How Gen Z is rewriting the rules of financial stability and what it means for insurance - Cake & Arrow Insights - June 3, 2025 Report: How Gen Z is rewriting the rules of financial stability and what it means for insurance Our new report explores what Gen Z needs to build security—and what insurers can do to help. by Cake & Arrow For a lot of Gen Zers, financial stability doesn’t mean a steady 9-to-5 and a mortgage—it looks more like a side hustle, an emergency fund, and some savings tucked in a high-yield account. Our latest report , Gen Z & Insurance: Rewriting the Rules of Financial

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