8 in 10 Gen Z and millennials have two jobs to make ends meet, Goldman Sachs finds, as the affordability crisis ‘crowds out’ any retirement hopes

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  "company": {
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    "url": "https://fortune.com/2026/10/01/two-jobs-affordability-goldman-sachs-retirement-survey/",
    "title": "8 in 10 Gen Z and millennials have two jobs to make ends meet, Goldman Sachs finds, as the affordability crisis ‘crowds out’ any retirement hopes",
    "author": "Eleanor Pringle",
    "excerpt": "In this economy, for Gen Z and Millennials, retirement seems like a long way off. Inflated prices have led the majority of young people to find additional work, according to a new study from Goldman Sachs , with many expecting to delay major financial milestones such as buying a home or building retirement savings as a result. However, there is light at the end of the tunnel. Goldman Sachs’s latest retirement survey, released this week, also shows that 44% of respondents did so earlier than planned: 45% of retirees who spoke to the Wall Street bank said they stopped working between one and three years earlier than expected, 26% between four and five years earlier, and 14% between six and 10 years’ sooner than originally estimated. Younger generations (Gen Z are aged 14 to 29, and millennials are 30 to 45) aren’t alone in their concern: Across the income spectrum and age groups, Americans feel less prepared for retirement. Goldman found respondents were less likely this year (58%) to say they were on track for their retirement goals, compared to last year (68%). The caution comes amid a complex economic picture for consumers: Mortgage rates remain significantly elevated compared to the past few decades, and house prices remain unaffordable for many. Pair that with inflation at 3.4% - after years of COVID-induced price shocks - and now concern over the security of the jobs...",
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    "article_sentence": "Goldman Sachs’s latest retirement survey, released this week, also shows that 44% of respondents did so earlier than planned: 45% of retirees who spoke to the Wall Street bank said they stopped working between one and three years earlier than expected, 26% between four and five years earlier, and 14% between six and 10 years’ sooner than originally estimated."
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