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Why Gen Z's idea of 'financial success' is so vastly different than every other generation

A salary of nearly $600,000? Are they serious?

young woman getting onto a private jet
Photo credit: Canva

Gen Z's financial expectations are miles above the rest of us.

Have you ever thought about what threshold of income or net worth would make you feel successful financially? Not merely getting by or making ends meet, but like you've achieved a level of wealth that feels comfortable and secure? That number depends on a lot of factors, of course, depending on whether you have a family, the cost of living in your area and more. But as a survey of over 2,200 American adults shows, it also depends on your generation.

Averaging the numbers overall, Americans said a salary of $270,214 a year and a net worth north of $5.36 million would spell financial success for them, according to research from Empower. But those numbers are greatly skewed by the lofty ambitions of Gen Z, who say they'd need a whopping $587,797 a year salary to feel successful. Compared to Boomers with $99,874, Gen X with $212,321 and Millennials with $180,865, Gen Z's "financially successful" salary (as well as their response of $9.47 million for net worth) seems extraordinarily out of touch.

media.giphy.com

Keep in mind, these numbers come from Gen Zers who are 18 years and older, so it's not like it's skewed by a bunch of 13-year-olds who have zero concept of money management. But how did young adults end up having such high expectations of what financial success means?

Here are a few possibilities:

Gen Z has been bombarded with aspirational content their whole lives

Instagram, TikTok, YouTube—these social media platforms include countless accounts designed to make us drool over aesthetics. Luxury travel. Beautiful homes. Fashionistas flashing name brand everything. The kind of content that used to be confined to "Lifestyles of the Rich and Famous" (yes, I'm dating myself) has moved into the mainstream and is now portrayed as a normalized ideal.

For older generations, "financially successful" generally meant being able to afford a nice house in a nice neighborhood, two new cars, a vacation every year and a solid retirement plan. It meant being able to send your kids to college and pay for a beautiful wedding without going into debt. It meant not worrying about money, but it didn't mean being able to afford all manner of luxury. Perhaps Gen Z sees success differently due to what they've seen on social media—and due to being the most marketed to generation in the least traditional ways.

via GIPHY

Gen Z is influenced by influencers who've gotten rich young

In past generations, wealth came with age and experience. Sure, there have always been people born into generational wealth, but if we were talking $600,000 a year salaries, we'd be talking CEOs and hedge fund managers and heart surgeons other careers that take some time to build.

But Gen Zers see YouTube creators and Twitch streamers their own age making millions doing things they believe they can do themselves. That's got to skew your perception of what's possible and what's a reasonable amount of money you can expect to make. It's entirely possible that a lot of these young adults simply don't realize what a normal salary is. Considering the fact that their "financially successful" amount is nine times the 2023 national average yearly wage, there does seem to be a disconnect between their perception and reality.

Gen Z grew up hearing repeated messages of financial uncertainty

Gen Zers are familiar with financial crises. They just started coming along when 9/11 happened, and they were still little when the housing market crashed. They've grown up hearing their parents talk about financial upheaval and hearing politicians use the economy as a weaponized talking point. The COVID-19 pandemic threw even more economic uncertainty on an already teetery foundation, right when a lot of Gen Zers were just starting to make their own money. Toss in the bonkers cost of college tuition, unaffordable housing and post-pandemic inflation and it's not hard to see why young adults just starting out might be under the impression that they need a megaton of money to feel financially secure.

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Oddly enough, they're quite confident that they'll get there

One might assume that these sky high Gen Z dreams of financial success would feel out of reach for these young folks, but according to Empower, 71% of Gen Z respondents said they expected to achieve financial success in their lifetimes—more than any other generation. Is that an admirable sense of optimism or the hubris of youth? Are they setting themselves up for success or disappointment with such expectations? Hard to say.

We live in unprecedented and unpredictable times, so anything is possible. And if you're going to have high expectations, you might as well have the confidence to match them. We olders might roll our eyes at Gen Z's standard being so much higher than our own, but maybe they're onto something. (After all, a good chunk of them seem to be getting by without driver's licenses, so who knows what else they're capable of.) Dreaming big has its merits, so more power to you, Gen Z. Only time will tell if reality has other plans.

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ReSurge International
ReSurge International
Health

She was 15 when men threw acid in her face. They told her she’d be ashamed forever.

ReSurge International helped Muskan Khatun reconstruct her body, and now she’s using her voice to advocate for burn and gender-based violence survivors.

ReSurge International

Muskan Khatun was only 15 when she survived an acid attack in Nepal.

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When Muskan Khatun was 15 years old, a group of young men started teasing her on her way to school in Nepal. She found it disturbing and uncomfortable, but they wouldn’t stop.

“I finally told my family,” Muskan says. “My dad confronted them, scolded them, and even slapped one of them. After that, they stopped bothering me for about three months.

“Then, one day, when I was heading to school, I saw them again. This time, they had a jug of acid. They tried to make me drink it, but I refused. In anger, they threw the acid on my face, hands, and chest.”

The attackers were arrested, and good samaritans nearby got Muskan to Kirtipur Hospital, where she was treated by local ReSurge surgeon and Country Director, Dr. Shankar Man Rai and his team. Resurge International is a non-profit organization that provides free reconstructive surgical care and trains surgical teams in low-income countries around the world to increase access to care for people who need it, like Muskan. ReSurge’s team in Nepal has treated 141 intentional burn attacks like Muskan’s over the last seven years.

ReSurge helped Muskan take her life back. But that was only the beginning of her story.

ReSurge International

One teen’s perseverance created historic change in the law.

“As I learned more about the laws in my country, I realized the justice system didn’t provide enough protection or punishment for such crimes,” Muskan says.” It felt like a bigger hurt than the acid attack itself. That’s when I decided to raise my voice and work towards changing the laws to ensure justice for others like me.”

Muskan wrote to the Prime Minister just days after her attack, but got no response. So she took her voice to the public. For two years, she courageously shared her story and advocated for better laws.

Finally, the Prime Minister invited her to his residence. He listened to her experiences and legal ideas, and in just 15 days, he passed a law specifically targeting acid attacks. The law also passed in Nepal’s parliament in record time.

“This was the first time in Nepal that a law was passed so swiftly,” Muskan says. “The new law was very strict, including a life sentence for offenders, marking the most severe punishment in Nepal for such crimes.” In 2021 Muskan was awarded the prestigious International Women of Courage (IWOC) Award by the U.S. Secretary of State for her work to end acid attacks.

Muskan Khutan's awardsMuskan has won multiple awards for her advocacy work.Resurge International

Muskan is not alone. Acid attack survivors around the world have raised their voices to get laws changed—but that’s not the only battle they’re fighting.

Constructing laws is one thing. Reconstructing your burned body is another.

Chemical burns leave survivors with painful scar contractures that restrict movement over the affected areas, forcing them to also relive their trauma every time they look in the mirror or field questions from people about what happened to them. However, burn scars require specialized surgical care, which often isn’t readily available or affordable in most low-income countries.

That’s where ReSurge International comes in.

With a conservative estimate of 10,000 acid attacks each year (many countries don’t keep official records of acid attacks and an estimated 40% of attacks go unreported, according to Acid Survivors Trust International), the surgical needs just for intentional burn victims is significant. Additionally, with 80% of acid attack survivors being women, the gender-based violence aspect of the issue cannot be ignored.

But there’s a gap in surgery accessibility between people in high-income nations, where plastic surgery is often viewed as elective and cosmetic, and those in low-income countries, where it more often addresses critical medical needs.

One way ReSurge is closing that gap is by training the next generation of reconstructive surgeons across Africa, Asia and Latin America, in countries where acid attacks are high. Rather than only sending in surgeons from the outside, ReSurge trains and funds local surgeons, anesthesiologists, nurses, and occupational therapists, focusing on capacity building and prioritizing locally-led solutions with an extra emphasis on training women to close the gender gap in medicine and surgery. Just last year, ReSurge transformed the lives of over 25,000 patients and trained more than 5,000 medical professionals, with 85% of their surgeries being conducted by local partners.

Raising awareness is another way ReSurge is working to ‘close the gap.’

Seeing a potential for a powerful partnership, Resurge orchestrated the first face-to-face meeting between Muskan and fellow acid attack survivor and Woman of Courage Award Winner, Natalia Ponce de León from Colombia, in June of 2024. Like Muskan, Natalia has worked tirelessly to advocate for survivors’ rights and successfully inspired change to her country’s laws. She currently runs a foundation to ensure survivors of chemical attacks get the medical, psychological and legal care they need and deserve. Through the power of mentorship and mutual support, these two remarkable women will be able to increase their reach and amplify the impact of the incredible work they’re already doing.

Muskan Khutan and Natalia Ponce de Le\u00f3nMuskan and Natalia are working together to advocate for acid attack survivors.ReSurge International

Preventing more attacks like the ones that changed Muskan and Natalia’s lives requires a multi-faceted approach, as does care for survivors who are living with the aftermath of such violence. Survivor advocates and organizations like ReSurge International working together to ensure that care is accessible for all is a reminder of what humans can do when we set our sights on solutions and keep striving to implement them in the most effective way possible.


Interested in helping? This giving season, ReSurge is matching every gift for twice the impact. To make a gift to support patients like Muskan, read their stories, and learn more about how ReSurge International is closing the gap to reconstructive surgery, visit resurge.org/closing-the-gap

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Joy

A toddler kept tapping a woman's arm on a plane. Her response holds a lesson for us all.

"These are the types of people we need on airplanes."

@Cosmic-Chen/Reddit

What do you do when a little hand comes out of nowhere to feel your arm?

Being locked in a metal box with 150 random people all hurtling through the air at 30,000 feet is quite the social experiment, but one many of us do willingly in this age of air travel. One of the most notable parts of that experiment is that you never know who's going to sit near you on an airplane. Will you get the quiet reader? The Chatty Cathy? The cougher who doesn't cover their mouth? The sweet-but-over-perfumed old lady? The parent with a baby who screams from takeoff to landing?

Flying can feel like a game of roulette, especially when you find yourself sitting near one of the most unpredictable forces on Earth—a toddler. Tiny tots might can for the most delightful trip ever or the most annoying one, but as one couple demonstrates, the difference sometimes comes down to our own attitude.

A video shared on Reddit reads, "We were on the plane when this baby's hand kept reaching out and touching my arm from behind…" At first, we see a zoomed in shot of a woman's next to the window as a little hand reaches around the side of her seat and taps her on the back of the arm, repeatedly and enthusiastically. Then the camera pants to the woman's face and the face of the man with her, and their expressions say it all.

Clearly, the child is enjoying the feel of the woman's skin on the back of her arm. Tap tap tap, rub rub, squeeze, tap tap. No hesitation, zero sense of decorum, just a totally oblivious toddler sensory experience. A little annoying? Probably. Pure and wholesome and worthy of a laugh? Absolutely.

This woman could have asked the parent to stop their child from touching her (and she may have eventually). Not everyone finds small children cute and some people have sensory issues of their own that make such encounters more bothersome than it would be for others. But assuming the toddler arm massage was temporary and that the parents saw what was happening and stopped it, the reaction of the couple is a perfect example of finding the joy in life and rolling with the punches.

As the post reads, "Those small hands are a sign of absolute tenderness," and people are loving the immediate mirthful reaction the pair had to the wee one's curious little fingers.

"Nothing cuter than seeing a baby flailing their arms and slapping things because they are happy. They have no control. They just know they’re happy."

'The baby slaps 'yep this is good arm' tap tap."

"My grandma had the softest bat wings in the world. I used to love to touch them. I’m sure she was self conscious about it but I loved them lol."

"As a parent I would be horrified to discover my kid was doing this but so relieved that they were such good sports about it. These are the types of people we need on airplanes."

"Same, I’m always concerned how my kid behaves on a plane ride (and he freaking loves being on a plane) but I find most people to be such good sports around him. Love when it works out that way. Though I 10/10 would have snatched that hand away soon as I noticed 😂😂😂."

"The people laughing were so kind! I can imagine some people would lose it if a child did this but they just enjoyed it. 🥰"

"Seriously! Seeing the humor in everyday life says a lot about their temperament. They seem like great folks."

Some people shared their own stories of toddlers similarly pawing at perfect strangers. It's helpful to remember that these little ones have only been on the planet for a hot minute and they barely have anything figured out yet. The nuances of what and whom to touch and not to touch takes a while, as does having the impulse control to not just reach out and feel whatever looks soft or interesting in the moment.

"Oh my gosh, that reminded me of a time when my son was small, maybe 18 months? We were in line at a restaurant and he was toddling around my legs and holding on to my finger while I chatted with my sister and mom. I felt him let go, and looked down to see where he was off to. He was standing by a lady a couple of people ahead of me who was wearing fishnet tights. He was rubbing her leg with his tiny baby hands and looked just MESMERIZED. I, on the other hand, was absolutely mortified and grabbed him up, apologizing all over the place, but luckily she was very cool about it and was just laughing.

Little kids like to just touch stuff to learn more about the world around them, but parents need to be constantly paying attention so their kid doesn't accidentally harass someone!"

"A little kid of around that age did this to me at restaurant once- he walked up to me, rubbed my bare forearm, and then gave me that same mesmerized look and tapped me with his hand a couple times. I didn't think too much of it (was more puzzled/confused than anything), but his mom had to pick him up and apologized anyway. Kids are funny haha."

"Yes this is so adorable. The last time I took a flight with a kid sitting behind me he was kicking my seat for like two hours before I politely turned around and gave a look to his mother and said 'hey my little friend. I know this flight is long and you wanna get out of this seat but do you mind not kicking my seat anymore?' Then I gave him a piece of paper and some (like 5 out of my 50) colored pencils and asked him if he could make me a secret drawing and pass it to me quietly and I’d make him one. I’m an artist and I always carry watercolors and colored pencils and sketch books on flights. We ended up passing drawing back and forth for the rest of the remaining 5 hour flight. He didn’t kick my seat again… I suspect it was the poignant look I gave mom. But so he was engaged. Every 20 minutes or so I’d feel a little tap on my arm and a folded up little drawing would appear. I still have them in the pocket of a moleskin somewhere."

Here's to grownups joyfully embracing the reality of co-existing with small children, in all their curious, sensory-driven, hands-on glory.

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Family of 7 takes in 82-year-old widower neighbor as their new 'grandpa'

"You get many chances to talk to people. If you don't take a chance, you may miss a friend."

via USA Today

Paul Callahan, 82, with the Caraballo family.

South West News Service reports that when Sharaine, 32, and Wilson Caraballo, 42, moved their family of seven into a new home in Pawtucket, Rhode Island, last year, they weren’t sure how they’d be received. "Our biggest fear moving into a new neighborhood was, 'What if our neighbors don't like us?' What if, because we have a lot of kids, they make a lot of noise and we come from a big family, so what if there's any conflict with the neighbors?" Sharaine told USA Today. "We're the only Black family in our neighborhood."

But all that fear quickly dissipated when their new neighbor, Paul Callahan, 82, showed up with a ladder and offered to help the family spruce up their new home.

“He was coming over with tools. He’d bring screwdrivers and teach Wilson how to fix up the garage, and Wilson followed all his advice,” Sharaine told South West News Service. The recently-widowed octogenarian soon became a fixture at the Caraballo house. Now, he stops by nearly every day and can always be found at the family’s cookouts.

Callahan has become a great friend to the family’s children, whom he entertains with stories from his past. "The kids run up to him like that's their grandfather," Sharaine said. "Paul is definitely a family member. He's no longer considered a neighbor."

Callahan believes that it’s all about taking the time to be friendly.

"You get many chances to talk to people. If you don't take a chance, you may miss a friend," Callahan said. "It doesn't hurt to be nice. That's the other thing, it costs you nothing, but a lot of times, you get a better return."

This article originally appeared last year.

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28-year-old buys cruise ship apartment because it's less than renting and he can see the world

An all-expenses-paid life for about $50,000 a year? Sounds like a deal.

via Pixabay

A cruise ship floating on azure waters.

Living the rest of your life on a cruise ship seems like the dream of the ultra-rich. You wake up every morning and have an all-you-can-eat breakfast. Spend the afternoon hanging out by the pool or touring a fantastic city such as Rome or Dubrovnik. At night, have a drink in the lounge watching a comedian or a jazz band, then hit the sack and do it all over again the next day. Seems too good to be true for the average person, right? Think again.

Twenty-eight-year-old Austin Wells of San Diego told CNBC that he can make it happen because it’s cheaper than living onshore in Southern California and he gets to see the world. “The thing that most excites me is I don’t have to upend my daily routine, in order to go see the world,” Wells told CNBC.


“I’m going from this model where you want to go somewhere, you pack a bag, you get on a flight, you rent a room, to now my condo, my gym, my doctors and dentists, all of my grocery stores travel the world with me,” he added.

Wells purchased an apartment on the MV Narrative, which is currently being built in Croatia and sets sail in 2025.

The rough math for Wells' dream makes perfect sense. He purchased a 12-year lease on the ship for $300,000. That comes to about $2,100 a month if he didn’t have to take out a loan. By comparison, most apartments in San Diego cost more than $2,100 per month in rent.

The ship charges an additional $2,100 a month for all-inclusive services, which include food, drinks, alcohol, gym membership, routine healthcare check-ups, onboard entertainment and laundry.

So, it could cost Wells as little as $4,200 a month to live an all-expenses-paid life. Plus, there’s no need to pay for a car or waste time shopping for groceries or traveling anywhere. It’s all on the ship.

Wells can work from the ship because his job with Meta is fully remote.

"What I'm probably most excited about is going to places that ships can only uniquely go,” he told CNBC, adding that cruise ships can travel to “unique ecological parts of the world or beautiful dive spots that are a few miles off land or caves to dive through and the ship will do a number of overnight stays in those areas."

Wells isn’t the only person who’s decided to live on a permanent vacation. Upworthy spoke with a couple in their 50s earlier this year who live on cruise ships because it’s cheaper than their mortgage.

Richard Burk and his wife, Angelyn, are living their best life hopping from ship to ship for around $100 a night, depending on the cruise. "Cruise costs vary quite a bit, our goal is to average about $100 per night, for the couple, or less across an entire calendar year," Richard told Upworthy.

The Burks keep the costs of cruising down through loyalty memberships. “We love to travel and we were searching for a way to continuously travel in our retirement that made financial sense,” Angelyn told 7 News.

People like Wells and the Burks may be outliers in society. They’ve chosen to give up the comforts of home for the comfort of living a life being catered to 24/7. While most of us probably won’t opt to make the big leap and live life out at the sea, their stories are a wonderful reminder that with a little creative thinking, we can create the perfect lives for ourselves whether on land or at sea.

This article originally appeared two years ago.

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Mom offers a tour of her 'average middle-class house' and it's just what people needed to see

“Let’s normalize ‘average’ because there is nothing wrong with it."

@steph_murphy/TikTok

Stephanie Murphy shares her "average" home in viral TikTok video.

Sure, it’s lovely to see pristine, perfectly curated homes that look like they belong in Architectural Digest. A little inspo never hurt anyone. But as we all know, the spotless life is simply not an achievable reality, especially for those with busy lives and limited budgets (read: most of us).

But you know what? Maybe even the messy homes deserve some love. The ones with constant junk piles and unfinished projects and dirty dishes and misplaced toys. The homes that will never grace the cover of a magazine but still do a wonderful job of containing all the moments life has to offer—the big, small, extraordinary, mundane and everywhere in between. Cause at the end of the day, isn’t that a home’s true purpose anyway?

Stephanie Murphy, a mom and TikTok creator, seems to think so. Murphy recently took viewers on an “average house tour,” and it was the exact opposite of aspirational.

Highlighted in Murphy’s tour are the pantry door that’s remained unpainted for three years, blinds held together with binder clips, air conditioners held in place by duct tape, a full dish rack tray that’s “a permanent fixture” on their countertops, and not one but two junk drawers (honestly, that’s a little low by my count).

@steph_murphy

Lets normalize “average” because there is nothing wrong with it. Everywhere you look on social media you see big gorgeous houses in perfect condition and its hard not to compare yours to them. But its not the norm and half the time its staged. Our house is lived in, and its filled with love and tons of memories and at the end of the day thats all that matters.

♬ vampire - Olivia Rodrigo

You’ll also notice a fridge that is covered in her kid’s artwork and school pictures. Not in any cohesive way, but merely thrown on randomly, as nature intended.

Meanwhile, in the master bedroom, Murphy and her husband’s bed have two separate blankets because neither of them like to share. A genius idea, and just another example of how we really, really don’t need to continue with marital sleeping norms that don’t actually feel comfortable. Another way is possible!

As for why Murphy decided to showcase her “average, middle-class house,” it’s all in the caption of her video:

“Let’s normalize ‘average’ because there is nothing wrong with it. Everywhere you look on social media, you see big gorgeous houses in perfect condition and it’s hard not to compare yours to them. But it’s not the norm and half the time it's staged. Our house is lived in, and it’s filled with love and tons of memories and at the end of the day that's all that matters."

Judging from the comments sections of this now-viral post, it seems like other people are ready for more average content.

“This is awesome!” one person wrote. “I’m constantly feeling inadequate when people have a perfect house that looks like nobody lives there!”

“I feel seen,” added another.

Hear, hear. No need to feel inadequate about having a home that’s lived in. Imperfection has its own kind of beauty.


This article originally appeared last year.

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Woman who lives on a cruise ship for free shares the 4 things she can’t do

Living on a ship isn’t perfect. It’s just close to perfect.

via Pixabay/Pexels

A beautiful ocean liner

Upworthy has covered a few stories about people who decided to live permanently on cruise ships because it's cheaper than living on land or in a nursing home. These stories have connected with millions because they say a lot about the modern cost of living but are also aspirational.

Christine Kesteloo has become popular on TikTok with over 680,000 followers because she shares what living on a cruise ship is really like. Kesteloo is the wife of the ship’s Staff Chief Engineer, so she gets to live on the boat for free. She only has to pay for alcohol and soda, which she gets for half off.

“I live on a cruise ship for half the year with my husband, and it's often as glamorous as it sounds,” she told Insider. “After all, I don't cook, clean, make my bed, do laundry or pay for food.“

Kesteloo’s life seems pretty stress-free. After all, she's basically on a permanent vacation. However, even though she lives on a cruise ship as a “wife on board,” there are a few things she either can’t or shouldn’t do.

She shared these four things in a TikTok video with nearly 10 million views.

@dutchworld_americangirl

I go through four things I can, and cannot do it while living on the cruise ship with my husband #weliveonacruiseship #4things #alaskacruise #cruiseship #cruiseshiplife #cruise #alaska #caribbeancruise #cruiselife #livingstsea #getreadywithme

1. No gambling

Kesteloo says she cannot sit at a slot machine and “play my heart out until I win.” She believes it would “look a little weird if I, as the wife of the staff chief engineer, won a big jackpot.”

2. Can’t leave the ship with the guests

When the ship arrives at a destination, she can't get off with the guests. She must wait about an hour and exit the vessel with the crew. When returning to the ship, she also has to be on time. “No, they will not wait for us,” she says. And the same goes for her husband, if they “miss the ship, someone else will take over the role.”

3. Sit in a crowded pool

Although Kesteloo has access to the pool, gym, and all the ship’s amenities, she’s cautious not to interfere with the guests' good time. She’ll exit the pool if it’s busy because “it’s just the right thing to do.”

4. Must have international traveler insurance

She must have insurance in case of a misfortune on the ship. But as a citizen of the Netherlands, they already have coverage and just have to pay a few extra dollars a month.

Some of the most popular commenters on the video were from women regretting that they married men who aren’t chief engineers on cruise ships or those who want to know where to find a single one.

"OK, can you explain how to marry a cruise ship engineer?" one female commentator wrote.

"How. in. the. H E double hockey sticks do I become the wife of a cruise ship engineer???? I don’t have to work AND cruise for free!" Cute_n_catchy added.

"Does he have any single friends with same job??? Asking for me." Hannah LaCaze asked.


This article originally appeared last year.

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