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☆ I'm a Gen Zer who was unprepared for life after college. Here are 5 things I wish I knew before graduation.
▼ + stars: | 2023-04-29 | by ( Rachel Bernstein | ) www.businessinsider.com time to read: +6 min

She had no idea what to expect from post-grad life other than what she saw in movies and heavily-edited Insta posts. Making older friends, traveling solo, and making the best of an "in between" job have helped her navigate the past year. These days, I don't think that I'm an expert on post-grad life. But as I talked to them more, I slowly found the value in making friends older than myself. A solo trip can be transformative.

☆ I'm a Gen Zer who turned my neuroscience degree into a non-traditional career. I'm earning less as a founder but feel my work has purpose.
▼ + stars: | 2023-04-24 | by ( Alexandra York | ) www.businessinsider.com time to read: +4 min

Her degrees in neuroscience and psychology led her to job offers in tech and consulting. But feeling unexcited to pursue those career paths, she declined the offers to instead build a brand she felt had meaning. As a Gen Zer, I never wanted a linear career pathI studied psychology and neuroscience at Virginia Tech. I combined my studies in psychology and neuroscience to post content about mental health, mindfulness, motivation, and personal development. If you're a Gen Zer who turned down a job offer, we want to hear from you.

☆ 3 in 4 managers say Gen Z is the most 'challenging' generation to work with — and 40% of the group flagged a lack of technological skills, effort, and motivation: survey
▼ + stars: | 2023-04-20 | by ( Huileng Tan | ) www.businessinsider.com time to read: +2 min

The managers said Gen Zers lack technological skills, effort, and motivation. It's so bad that 27% said they've fired a Gen Z employee within the first month. About 40% of that group said it's because people in this age group lack technological skills. The same proportion of managers also felt Gen Z employees — those born between 1997 and 2012 — lack motivation and get "easily distracted." The tensions between the generations are so bad that some managers who found Gen Z challenging to work with said they fired a Gen Zer promptly after hiring.

☆ 12% of managers say they've fired a Gen Z employee in their first week of work — and being too easily offended is often to blame, new survey finds
▼ + stars: | 2023-04-19 | by ( Aaron Mcdade | ) www.businessinsider.com time to read: +3 min

Nearly 75% of managers in a recent survey said Gen Z is more difficult to work with than other generations. About 12% and 16% of that group said they have fired a Gen Zer in their first week or month of work, respectively. She continued: "We know that with remote work and education, communication skills do not develop as well and people tend to work more independently. About 20% of these managers said they have fired a Gen Z worker in their first week of work and 27% within their first month. "GenZers could benefit from developing their communication skills to build stronger relationships with colleagues and client.

☆ I'm a Gen Zer who went undercover for 3 weeks as a Gen Xer on TikTok – a lot of their jokes went over my head
▼ + stars: | 2023-04-13 | by ( Jordan Hart | ) www.businessinsider.com time to read: +5 min

Gen Z keeps it painfully realA lot of the time, Gen Z is the butt of its own jokes. One "Gen X Thought of the Day" installment, receiving more than three million views, says that Gen X adults "refuse to grow up" because they were forced to be independent at a very young age. The sentiment is something Gen Z could understand possibly more than Gen Xers realize. Access to the internet and widespread information pushed many to mature faster as Gen Z learned at a quicker rate than others. Now, at the end of my time on Gen X TikTok, I've learned a lot more about the generation that raised me and my millennial siblings.

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☆ Wall Street wants to lend to Hollywood, and that could be bad news for the rest of us
▼ + stars: | 2023-03-30 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +6 min

Today, we've got stories on an upheaval within BlackRock's communications department, a debate over the merits of the man bun on Wall Street, and why I'm not intimidated by Gen Z anymore. Insider's Rebecca Ungarino and Reed Alexander have a story on private lenders looking to make investments in media and entertainment. Hollywood has long represented an interesting investment opportunity for Wall Street, but lending to the industry is an interesting twist. As Reed pointed out in a follow-up story, Wall Street is keen to apply artificial-intelligence tools to identify projects worth greenlighting. And here's more on why Wall Street is so high on the entertainment industry leveraging AI.

☆ Gen Z job seekers are rattling older managers by asking about work-life balance in the first interview
▼ + stars: | 2023-03-29 | by ( Alexandra York | Josée Rose | ) www.businessinsider.com time to read: +8 min

Many Gen Z job seekers are asking about work-life balance during interviews. There wasn't a big focus on work-life balance when many of today's managers started working more than a decade ago. Gen Zers need to know the industry before asking about work-life balanceSome industries invite questions of work-life balance, according to Gen Zers and hiring managers who spoke with Insider. "If you were to directly ask, 'Can you describe the work-life balance for analysts at your firm?' Mary Cooney, the founder of the professional-development platform Generation IQ, said it's time to move on from this stigma of work-life balance.

☆ Israel's 'Handmaids' become a defining image of the mass protests against Netanyahu's judicial reforms
▼ + stars: | 2023-03-19 | by ( Bethany Dawson | ) www.businessinsider.com time to read: +5 min

Women dressed as "Handmaids" are at the forefront of mass protests against the Netanyahu government. Netanyahu's plans to lessen the power of the Israeli supreme court. The protests in Tel Aviv and other Israeli cities oppose Prime Minister Netanyahu's plans to lessen the power of the Israeli Supreme Court in favor of elected officials. Israeli protesters wearing costumes from ''The Handmaid's Tale'' particiapte in a rally against Israeli Goverment's judicial overhaul bills at Haogen Junctions on March 16, 2023. Gili Yaari/NurPhoto via Getty ImagesPeople around the world are also voicing concerns about Netanyahu's plans.

☆ Flip phones had a glow-up, but Gen Zers say they're not catching the vibe
▼ + stars: | 2023-03-16 | by ( Kate Duffy | ) www.businessinsider.com time to read: +5 min

Tech-savvy Gen Zers don't seem too hyped about the latest foldable phones. But this age group, born between 1997 and 2015, appears unfazed by the latest foldable phones. Over the past few years, flip phones have had a glow-up. Advertisements of the latest flip phones regularly flash up on television, flood the billboards in public places, and appear in pop-up stores in malls for passersby to play with. Foldable phones are late to the partyThey've been around for nearly 30 years, but flip phones have "missed the boat" in the mass market, Atwal said.

☆ I'm a millennial who manages Gen Z workers. The hardest thing about it is dealing with all their 'feelings about work.'
▼ + stars: | 2023-02-20 | by ( Rebecca Knight | ) www.businessinsider.com time to read: +4 min

Gen Z, made up of those born from about 1996 to 2012, is hitting the workplace. One of them shared her experience with and observations of Gen Zers with Insider's Rebecca Knight. For many Gen Zers, a new crop of workers born from about 1996 to 2012, that's not possible. I'm a new mom, and the way Gen Z sets boundaries around work is inspiring and empowering. I'm mirroring Gen Z now.

☆ I've been 'code-switching' my entire career, but experts say that shouldn't be a workplace norm—here's why
▼ + stars: | 2023-02-16 | by ( Ashton Jackson | ) www.cnbc.com time to read: +7 min

I started working at age 15 and since then, I've had two personas: workplace me and the real me. Here's how code-switching impacts Black professionals, and why experts say it shouldn't be a workplace norm. There's an expectation that you must speak standard English in order to navigate this world, navigate society, get a job, or get into school. "When I think of code-switching, I think of the words 'standard English.' I think of how the English language has basically been oppressed and pushed onto people," Cornell tells CNBC Make It.

☆ Why now is the best time for Gen Zers to launch a business, and how they're taking advantage of the opportunity to change the workforce
▼ + stars: | 2023-01-05 | by ( Alexandra York | ) www.businessinsider.com time to read: +6 min

Here's why now is the best time for Gen Zers to start their own businesses. It helps that some successful Gen Zers are earning more than America's top CEOs. Here's why now is the best time to start a business for young people and two Gen Z entrepreneurs who have done it. New ventures in copywriting, social media management, and virtual assisting have been among some of the most successful, Mawhinney said. With this in mind, young founders have the opportunity to build brands that new workers resonate with.

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☆ I work with Gen Zers entering the job market. Yes, they want more money — but there's more to it than that.
▼ + stars: | 2022-12-20 | by ( Alli Hoff Kosik | ) www.businessinsider.com time to read: +7 min

Williams said Gen Z job seekers have higher demands because they have more access to company data. For Gen Z, we can't overestimate the impact of the pandemic, social unrest, and an ever-increasing attachment to technology. Gen Z professionals certainly have higher expectations than those that came before themIt's about more than just salary. When making their ask, a Gen Z job candidate is likely to include their expectations about time off, remote work, and access to other corporate resources. Companies must address these questions in order to effectively negotiate with and bring Gen Zers into their organizations.

☆ I work with Gen Zers entering the job market. They're demanding more money, benefits, and opportunities and employers should actually be thrilled about it.
▼ + stars: | 2022-12-20 | by ( Alli Hoff Kosik | ) www.businessinsider.com time to read: +7 min

Williams said Gen Z job seekers have higher demands because they have more access to company data. For Gen Z, we can't overestimate the impact of the pandemic, social unrest, and an ever-increasing attachment to technology. Gen Z professionals certainly have higher expectations than those that came before themIt's about more than just salary. Companies must address these questions in order to effectively negotiate with and bring Gen Zers into their organizations. Gen Zers ask them because they're savvy, ambitious, and motivated.

☆ Gen Z employees are using new slang in the workplace and it's confusing their colleagues. Here's a breakdown of the jargon.
▼ + stars: | 2022-12-14 | by ( Jordan Hart | ) www.businessinsider.com time to read: +4 min

Gen Z employees are learning what they should and shouldn't say at work amid a generational language barrier. A human resources professional told Insider Gen Z should be mindful when bringing new sayings to the workplace. Zachary Timms, a 25-year-old project engineer, told Insider he's in a unique position as an elder Gen Zer. Kevon Martin, assistant human resources manager for Hyatt Regency Houston, told Insider there's a time and a place for slang. Below is a list of phrases a Gen Z colleague might use and what they (usually) mean.

Gen Z is more likely to donate credit card rewards to charity. Millennials are more likely to save their credit card rewards for "the next big thing," while Gen Z is using their rewards in smaller increments. Gen Z is donating card rewards to charity, particularly environmental causes and womens' shelters. In general, Gen Z is showing overall smarter credit card behavior compared to how millennials were spending at that age. Gen Zers, at least the ones old enough to own a credit card, are doing more research and being more selective in their credit card use.

☆ Gen Z wants equality, diversity, and flexibility at work, but it may cause them to sacrifice financial security
▼ + stars: | 2022-12-06 | by ( Alexandra York | Jacob Zinkula | ) www.businessinsider.com time to read: +5 min

Some Gen Zers are focusing on a company's mission and job security during their job searches. As a recession looms, Gen Zers might want to consider their financial futures when applying for their next role. Additionally, over half of Gen Z could enter retirement without sufficient savings due to savings challenges and rising costs, Boston University economist Laurence Kotlikoff previously told Insider. In fact, the typical annual salary for Gen Z employees was $32,500 in 2021, according to research from the personal finance site GoBankingRates. To be sure, plenty of Gen Zers understand the financial pressures to come and are prioritizing salary in their job search.

☆ Gen Z wants security more than a dream job. A look at their finances shows why.
▼ + stars: | 2022-12-05 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +4 min

It has some Gen Zers focusing on job security over the pursuit of their dream job. The environment has some Gen Zers prioritizing job security. But it's easier to not worry about job security when one's finances are strong and the risk of unemployment is low. It may be wise for Gen Z in particular to prioritize job security, as young Americans are among the individuals hardest hit by economic downturns. If security is what Gen Zers value, then many should be well positioned — at least in the short term — to retain their jobs.

☆ Gen Zers are taking on more debt, roommates, and jobs as their economy gets worse and worse
▼ + stars: | 2022-12-04 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +7 min

Gen Zers are taking on credit-card debt — and missing their payments — at a rising rate. Amounts of credit-card debt and delinquency rates are on the rise, especially among 18- to 29-year-olds. But if a recession comes, Gen Zers could be among the hardest hit due to mounting debt, few savings, and vulnerability to layoffs. US credit-card debt overall rose $38 billion between July and September of this year, per the New York Fed. For older Gen Zers, the delinquency rate rose to over 6%, though still below the roughly 9% pre-pandemic rate.

☆ I'm a Gen-Zer living in NYC and these are the ways I use TikTok as a one-stop-shop to plan my day
▼ + stars: | 2022-11-26 | by ( Jordan Hart | ) www.businessinsider.com time to read: 1 min

#TikTokMadeMeBuyIt: Moving to a brand new place at 23 can be overwhelming. I wasn't sure how I was going to move all of my clothes from Texas, but I found out about "moving bags" from TikTok. Moving bags (the blue ones pictured) are large water-resistant carriers that fit just as much as a cardboard box of the same size, but they have handles and back straps for easy transportation. You can use them as luggage on an airplane, too. Jordan Hart/Insider

An excellent credit score allows you to borrow money at lower interest rates and provides other benefits. The five credit score categories for FICO and VantageScore are as follows:Credit score category FICO VantageScore Poor/Very Poor 300-579 300-499 Fair/Poor 580-669 500-600 Good/Fair 670-739 601-660 Very good/Good 740-799 661-780 Exceptional/Excellent 800-850 781-850While a low credit score will hinder your borrowing efforts, having an excellent credit score comes with a wide range of benefits and possibilities. LendingTree found that people with excellent credit scores keep a credit utilization rate of 5.7% on an average credit limit of $58,514 spread over an average of 7.9 accounts. Keep credit inquiries to a minimumWhen we apply for credit — whether it's for a new credit card, a mortgage, or an auto loan — and a lender issues a credit check, it will appear on our credit report and may influence our credit score. Though you don't necessarily need an excellent credit score, it can certainly help you lead an easier financial life.

☆ How Gen Z is rewriting dating, marriage and family plans for their 20s: 'I have so much stuff I have to worry about'
▼ + stars: | 2022-10-18 | by ( Jennifer Liu | ) www.cnbc.com time to read: +5 min

It's an interesting trend for today's Gen Z students who are short-term anxious but long-term confident about their work and lives, says Christine Cruzvergara, chief education strategy officer at Handshake, the job-search platform for college students. Pragmatic goals around career, self-discovery and funSome Gen Zers are trading traditional life milestone goals for ones they have more control over. Speaking as a recent grad, Jade Walters agrees that taking control of her career means de-prioritizing other life goals. The 23-year-old is a Howard University grad who in her final months of school launched the Ninth Semester, an early-career resource for Gen Z professionals. Jade Walters, 23, works a corporate job in Chicago and runs the Ninth Semester, an early-career resource for Gen Z professionals.

☆ I got assigned a new boss at work and I'm having a hard time adjusting. What should I do?
▼ + stars: | 2022-10-17 | by ( Rebecca Knight | ) www.businessinsider.com time to read: +5 min

I like my new boss fine as a person, but as my manager, I miss my old boss. I realize my old boss is not coming back, but my new setup still feels temporary. Over the course of your career you're going to have lots of different bosses. Done well, managing up will make your and your boss's work lives easier, not to mention improve your chances of getting recognition, raises, and promotions. "Right now, you're adjusting to the loss of your old boss," she said.

☆ Over half of Gen Z and millennials could face a retirement crisis as inflation rises and homeownership falls, says a Boston University economist
▼ + stars: | 2022-10-11 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +5 min

Over half of Gen Z and millennials could enter retirement with insufficient savings, says a Boston University economist. As of 2017, roughly half of all retirement age Americans had no personal retirement savings, per a January Census Bureau report. While the expectation that young Americans will live longer than the generations before them is a positive development, this also raises the total cost of retirement. "The retirement age will rise and it's been rising," he said, pointing to BLS projections of older workers' labor force participation. To prepare for retirement, Kotlikoff says Gen Zers should be saving 15% of what they earn after taxes, although he adds that that "may well be on the low side."

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