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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WSJ Your Money Briefing · How Some in Gen Z Enter Adulthood With High Credit Scores · 23 Jul 2024 podcast

They should also check their own track record. matched

Make sure that they've got no missed payments on that credit card. matched

Make sure that their utilization is pretty low so that it can actually benefit their kid later on instead of harm them. matched

It's really an opportunity for financial literacy for a lot of parents. matched

I spoke with one mother who is getting ready to put her 17-year-old son on as an authorized user, but she wants to make sure that he takes an online financial literacy course so that matched

At the same time that he has access to this card, he also is having access to the financial information in real time to be able to use it properly. matched

And she doesn't plan on giving him this card anytime soon. matched

But once he turns 18 and is able to get his own account started, she feels like he'll then be equipped with the knowledge that he needs. matched

WSJ Your Money Briefing · Mastering Your First Budget: Balancing Expenses, Student Loans and Fun · 30 Jun 2024 podcast

a lot of their necessary expenses like rent and groceries and even student loans have returned and in some cases even gotten higher than they used to be.

And so that's really causing them to put on more credit card debt, potentially take out more loans and just spend more money overall.

At the same time, their wages aren't keeping up with inflation.

So they've got less money, but more debt.

One of the things we're seeing on social media is an increase in talking about money, particularly with Gen Z. So that's how the whole concept of loud budgeting came up.

It's basically making people feel better about not having the finances to afford big trips or really extravagant purchases.

And so it basically makes it cool to say no purely because you don't have the finances for it.

Yeah, where it used to be a little taboo to say that you couldn't afford something, now that's the only reason you need to give.

It's been effective.

I talked to one young woman who was turning 30, and she wanted to plan this extravagant trip to Europe for her 30th birthday.

But at the last minute, she texted a group chat and said, listen, guys, I just don't have the funds for it.

Let's just all go to a bar instead.

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