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Generation Z is the youngest adult generation in the U.S. today, giving Gen Zers (ages 18-28) ample time to get financially prepared for retirement. But for many, it doesn’t appear to be a priority, at least not yet.

Fewer than 1 in 5 Gen Zers (18%) say they’ve contributed to a retirement account in 2025, according to NerdWallet’s Financial Goals Midyear Check-In Report . This could be attributed to several factors — like a lack of urgency, know-how or extra funds to get started.

But another NerdWallet survey on retirement, conducted

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