Gen Z is shunning impulse spending in favor of long-term goals. 5 A new nationwide survey of 2,000 Gen Z Americans revealed one in three identify as planners who budget, track spending and plan ahead. When it comes to food, nearly half (45%) mostly cook at home, versus a small number who often order takeout (9%). For fitness, nearly half (45%) rely on free or low-cost workouts such as outdoor activities or YouTube videos. Koldo_Studio – stock.adobe.com“It’s time to retire the Gen Z caricature,” said Vishal Kapoor, SVP of Product at Affirm.