Genz gave up. They can't gain wealth traditionally, saving's means nothing. They rent everything. Their apartment is rented, their furniture is still sitting on a 30% apr credit card, both cars are financed and every second of entertainment takes time or money from them. GenZ owns nothing, they know savings has no power. Their work doesn't give them usable benefits or retirement. The best they get is a 401k match so they max that out and call it a day. If they save every dollar at the end of the month in a 10 years they can make a $80k down payment on a 40 year mortgage (just became popular in my area) and continue to rent but possibly someday they can make some tiny amount of money back on that $500,000 2 bedroom 1 bath 1960s home. They're hoping to hit the lotto because they don't have any other chance of getting out. My friends are just defeated. They know they will be working until they die so I think they just want to take a chance while they can still afford to. This is devils advocate. Yes gambling is an addiction and I've known some who have it bad, but plenty just throw $100/week at the lotto, scratch offs or kalshi, and go to bed.