<p>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:</p><p><br></p><p>00:00 Intro02:34 Meet Clare Barrett03:40 Student Debt Reality Check05:15 Savvy Workplace Power06:19 Side Hustles New Normal08:44 Tuition Fees And Career ROI10:27 Deposit Versus Debt13:19 Happiness Curve Flattening14:20 Is University Still Worth It16:43 Gen Z Investing Boom22:15 Trading Apps And FinTok Risks23:44 Finance Influencers Rules24:21 Brands Chase Gen Z25:32 How Gen Z Learns Investing26:29 Frictionless Spending Debt28:07 Buy Now Pay Later Reality30:04 Housing Dream Slips Away31:11 Renting Landlord Ethics31:54 Help To Rent Debate33:49 Shared Ownership Pitfalls36:45 Money Talks Relationships38:10 Protect Yourself Legally40:59 Gen Z Money Openness43:50 Savvy Or Screwed Finale44:29 Episode Wrap And Outro</p><p><br></p><p>🔔 Follow this ChannelA weekly show unpacking generational change, money, work, technology, and modern life.Follow so you don’t miss the next episode.🌍 Find Claer Barrett here<a href="https://www.claerbarrett.com/" target="_blank" rel="noopener noreferer">Website</a><a href="https://www.ft.com/claer-barrett" target="_blank" rel="noopener noreferer">Financial Times Column</a><a href="https://www.instagram.com/claerb/?hl=en" target="_blank" rel="noopener noreferer">Instagram</a><a href="https://www.linkedin.com/in/claer-barrett-74088414/" target="_blank" rel="noopener noreferer">LinkedIn</a>📚 Buy Inheritocracy<a href="https://www.amazon.co.uk/Inheritocracy-Time-Talk-Bank-Mum/dp/1911709809" target="_blank" rel="noopener noreferer">My book on inheritance, wealth and the Bank of Mum and Dad</a>🌍 Find Me Here<a href="https://www.elizafilby.com" target="_blank" rel="noopener noreferer">Website</a><a href="https://www.instagram.com/drelizafilby" target="_blank" rel="noopener noreferer">Instagram</a><a href="https://www.linkedin.com/in/elizafilby" target="_blank" rel="noopener noreferer">LinkedIn</a></p>