Generation X and Generation Z grew up in remarkably different worlds. One remembers typewriters, paper assignments, and life before regular internet access. The other has never known a world without smartphones, social media, and instant access to nearly unlimited information.

How have those different experiences shaped the way each generation thinks about money, work, technology, and the future?

In this episode of Coasting in Retirement, Josh Null is joined by his son and the show’s producer, Payton Null, for a candid conversation across generations. Josh asks Payton to share both his personal perspective and what he believes other members of Generation Z may think about several topics frequently discussed on the show.

Their conversation explores cryptocurrency, online influence, annuities, artificial intelligence, higher education, and the changing workplace. They also discuss the future of Social Security and whether younger adults believe they will have the same opportunities to build wealth and enjoy a better life than the generations before them.

Are young people more trusting of technology because they were raised with it? Are they more vulnerable to financial trends promoted online, or better equipped to recognize them? And how might artificial intelligence change the skills tomorrow’s professionals need?

Listen to the full episode for Josh and Payton’s perspectives on where our financial and technological world may be heading next.



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