Oyin Adedoyin
speaker
1,572 appearances
36 recordings
1 series
first heard Mar 2023
last heard Feb 2025
Oyin Adedoyin’s voice in public audio — every appearance, attributed to the second.
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Appearances
WSJ Your Money Briefing · How Some People Work Mini-Retirements Into Their Career · 4 Sep 2024
podcast
They're not even thinking about retirement.
They're just thinking, I know that maybe by the time I retire, I won't have the energy to backpack across Europe or hike the continental U.S.
And so they want to do things that might take a little bit more energy now while they're working and have the money and could potentially recoup those losses later.
They say that people should be maxing out as much as they can contribute to their retirement account.
So that might look like putting anything from 15% of your take-home pay into that retirement account.
And this has a couple of benefits.
One, if your employer offers a 401k match, then that could really boost some of those savings.
Another is that for a lot of young people especially, they get to benefit from compound interest, which means that the more money you're putting into a retirement account early, the more that money has potential to grow decades later.
Well, they're definitely not naive.
They know that they're going to have to make some sacrifices later on to take these long stretches of time off.
A lot of the people I spoke with said that they're willing to delay homeownership.
They're willing to even work a few more years into their retirement if it means getting some of that break now.
A lot of the people I spoke with have lost loved ones early before they were able to use their retirement.
And so seeing that, they have this idea that tomorrow isn't promised.
I'm going to at least enjoy some of the hard-earned money that I've made.
Not all Gen Z are cash strapped and spending like there's no tomorrow.
A lot of Gen Z are pretty tech savvy and they're more involved in their finances than ever before.
how they were able to invest their money.
How they're planning to save for retirement.
That helped people's credit scores go up.
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