The Saving Sage

Tips for Gen Z to Navigate Financial Advice Online: How to Filter the Noise and Focus on What Really Builds Wealth

Gen Z is navigating finances in a digital age, relying heavily on social media for advice, but much of it’s misleading. To build wealth, forget quick hacks and follow solid principles: spend less, focus on your career, prioritize health, and be patient. Real wealth takes time, effort, and smart decisions.

07/21/25

How Gen Z Can Achieve Homeownership with Family Support

Gen Z faces challenges in homeownership due to high prices and mortgage rates. Many seek familial financial assistance for down payments, prompting considerations of pros and cons, including relationship dynamics and tax implications. Establishing clear terms is crucial to avoid conflict. Alternatives for solo savings strategies also exist, ensuring paths to homeownership remain viable.

07/18/25

Top 5 Life Milestones Gen Z Is Postponing

Generation Z is delaying significant life milestones such as homeownership, marriage, parenthood, car purchases, and career advancement due to financial pressures like high costs and debt. Acknowledging this shift, many are strategically reassessing timelines and prioritizing financial stability, recognizing that it’s wise to adapt rather than rush into commitments.

07/17/25

“Babe, Let’s Talk About Money”: Having the Tough Financial Talk Before Before Tying the Knot

So, getting hitched is awesome, but money chat is key! Before you say “I do,” get real about finances—talk debts, savings, and money habits. Set goals, budget together, and figure out how to handle debts and insurance. Open up about dealbreakers and keep the convo going. It’s all about trust!

07/16/25

Living with Parents: The Smart Financial Move for Gen Z

More Gen Z adults are living at home with their parents—about 68% of them, the highest since the Great Depression. This trend, driven by rising costs and student debt, often gets a bad rap, but can be a financial strategy. With tips on budgeting and investing, it’s about planning for a stable future.

07/15/25

Impact of DoE Cuts on Gen Z Student Loan Borrowers

The potential downsizing of the U.S. Department of Education poses significant risks for Gen Z students and borrowers. Planned staffing cuts could lead to fewer repayment options, slower customer service, reduced loan forgiveness paths, and diminished oversight of loan servicers. Staying informed and proactive is essential for navigating these challenges effectively.

07/15/25

Budgeting Tips for Big Life Expenses

Big purchases are exciting milestones—but they can also be financial minefields if you don’t plan carefully. Whether you’re preparing to buy a home, finance a car, plan a wedding, or take a well-deserved vacation, the key is to budget wisely and save with intention. In this guide, we’ll break down simple frameworks and rules of…

07/10/25

Mastering Student Loans: A Comprehensive Guide

Student loans can be a headache, but knowing your options helps. You’ve got federal loans, which are usually friendlier with lower rates and forgiveness, and private ones with stricter terms. Keep track of your balances, consider repayment strategies like avalanche or snowball, and don’t forget to celebrate your progress!

07/09/25

Simplified Budgeting: Reddit’s Most Recommended Strategies

If you’re trying to budget, Reddit’s got some solid ideas. The popular methods include the 50/30/20 rule, Zero-Based Budgeting, and the Envelope System. Each has its vibe, whether you want simplicity or detailed tracking. Check out these options to find what feels best for managing your cash!

07/08/25

A Simple Guide to Emergency Savings

Life can throw unexpected challenges your way, so having an emergency fund is crucial. It’s your financial cushion for surprises like job loss or medical bills. Aim for 3-6 months of expenses, depending on your stability. Start small, automate savings, and adjust as life changes. Build that peace of mind!