Soft Saving Explained: Why Gen Z Is Spending Now and Skipping Retirement (2026 Reality Check)
Maya, 26, just spent $3,200 on a trip to Bali. Her 401(k)? Still at $0. When her millennial coworker asked, “But what about retirement?” Maya just shrugged: “I’ll probably die before 67 anyway. Might as well live now.” This is soft saving – the controversial Gen Z money trend that’s dividing families, financial advisors, and…