For Gen Z, it’s Covid, AI and major economic change,” Kobliner says. “I can definitely say that Gen Z has it harder than any generation I’ve written for,” she says. Kobliner is determined to help young adults navigate today’s obstacles so they can still come out ahead. More young adults move back home than in the past, so there’s less stigma around it. Likewise, online gambling, sports betting and prediction websites are sucking up a lot of money from Gen Z, she adds.