Generation Z Faces Gaps in Fertility Knowledge and Retirement Savings

A University of Tampa survey of 212 women aged 18‑27 found that Generation Z participants often lack detailed understanding of fertility. While most know when fertility peaks, only about half could identify the age at which it begins to decline. Awareness of IVF success rates was low—29 % correctly cited the rate for women around age 35 and 48 % for age 44—and just 27 % accurately estimated miscarriage frequency. Despite these gaps, three‑quarters expressed a desire for children, and 69 % reported worry about their future fertility.

A separate 2024 study by Edward Jones highlighted a substantial retirement‑savings shortfall among Generation Z. High housing and food costs, student‑loan debt, and limited financial‑literacy prevent roughly 60 % of young workers from contributing to retirement accounts. Many lack employer‑matched 401(k) contributions, and the shift to defined‑contribution plans places the savings burden on employees. New legislation such as the SECURE 2.0 Act allows student‑loan payments to count toward employer matching, aiming to ease the savings gap.

Both studies underscore the need for better education and policy support to address health and financial preparedness among today’s young adults.