
How Gen Z is thinking about AI at work
Gen Z workers are approaching generative AI with a mix of caution and optimism.
Why it matters: Today's young workers are starting their careers during a massive technological revolution.
The big picture: Employers and HR pros say they're willing to take chances on otherwise less qualified candidates if they have AI experience, Christine Cruzvergara, chief education strategy officer at entry-level job platform Handshake, tells Axios.
Gen Z "is likely to be the generation that is going to help teach the rest of the workforce GenAI," Cruzvergara adds. "They're more comfortable with it, they don't mind experimenting with it."
The share of job descriptions on Handshake mentioning generative AI more than tripled from 2023 to 2024 — but still represented fewer than 1% of listings in April 2024.
Case in point: Avalon Fenster, 23, taught herself how to use AI in her personal and professional life — then wound up showing her older coworkers the lay of the land during internships.
Fenster now runs a platform called Internship Girl, which uses AI to help provide career resources to about 350,000 young women from more than 100 countries.
She promotes AI to level the professional playing field, especially for first-generation college students or non-native English speakers.
Threat level: Fenster, now a law student, is concerned about AI's impact on critical thinking skills, and wants companies and schools to provide AI literacy training.
"Even as a young person who is native to these tools, even as someone who advocates for them, I do have concerns over the way that it impacts our ability to think independently, formulate ideas, communicate ideas," she says.
AI's environmental toll is a turnoff for other young people.
"I personally took a stand to not use AI because of the climate impact," says Katya Danziger, a 25-year-old computer science student and research assistant at Parsons, who stopped using AI chatbots about six months ago.
Each time you ask ChatGPT a question Axios' Scott Rosenberg reports, you're using much more energy than you would for a Google query.
Career impact is also a Gen Z concern.
In a recent Pew survey, 35% of U.S. workers between 18 and 29 said they think AI will lead to fewer job opportunities.
Yes, but:"Sometimes having a little bit of nervousness around the fact that it might impact your career is not a bad thing," Cruzvergara says.
"It keeps you on your toes a little bit, and makes it so that you're ready and nimble."
Go deeper: AI jobs on the rise, new LinkedIn report finds

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CNET
15 minutes ago
- CNET
ChatGPT Built a Budget for Me ASAP, but It Has Several Limitations
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Read more: How to Create and Master Your 2025 Budget Building a budget with ChatGPT These are the steps I took to test ChatGPT's budget-making abilities. 1. State your monthly income, expenses and savings goals To get started, you'll need to give ChatGPT your monthly financial numbers: take-home income, expenses and savings goals. I already have a budget I made using Rocket Money, so to see how ChatGPT builds a budget from scratch, I had it create one for a hypothetical person. My prompt: "My monthly income after taxes is $3,500. Each month, I spend $1,000 on rent, $15 on renters insurance, $100 on utilities, $300 on my car payment, $150 on car insurance, $100 on gas, $200 on my student loans, $40 on my phone bill, $300 on groceries, $100 on personal items and $100 on dining out. I'd also like to put some money toward savings." The result: Screenshot by Kelly Ernst/CNET ChatGPT ran the numbers and told me I'd have $1,095 left each month. I'd intentionally left my savings goals vague to see what ChatGPT would recommend. It suggested ways to allocate this amount toward savings, including building an emergency fund, contributing to retirement savings, paying down debt and making extra student loan payments. It also showed me how I could split my $1,095 between these savings buckets. 2. Clarify and adjust I'd also intentionally left some spending categories out of my initial prompt -- something someone creating a budget for the first time might easily do -- to see if ChatGPT would catch them. It didn't. So I asked it to help me. My prompt: "Have I missed any other common budget categories?" The result: Screenshot by Kelly Ernst/CNET ChatGPT generated a list of potential additions and asked if I wanted it to create a revised budget with placeholders for these categories. The revised budget, including estimates for savings goals and budget categories ChatGPT recommended adding, left me with $5 remaining. That's not a ton of wiggle room, but I could always ask the AI to tweak things to give me a bigger cushion. Pro tip To avoid forgetting expenses, review your bank and credit card statements from the past 12 months to spot your regular monthly, seasonal and annual expenses. 3. Import the data into a spreadsheet There are several ways to track your spending and monitor how well you're sticking to your budget, including budgeting apps and the old paper-and-pencil method. One easy -- and free -- method is to create a spreadsheet, which ChatGPT can also help you with. My prompt: "Create a Google spreadsheet for my budget." The result: ChatGPT created some code I could copy and paste into Google Sheets. Screenshot by Kelly Ernst/CNET It also provided instructions on how to format it. Screenshot by Kelly Ernst/CNET I followed these instructions, but all the data showed up in column A of the spreadsheet, and I couldn't figure out what to do next. I had to ask ChatGPT how to fix this. Screenshot by Kelly Ernst/CNET It was more work than I was hoping to do, and I still had to make some formatting changes to the spreadsheet so it was easier to read. But in the end, I did have a working budget I could adjust as needed. Pros and cons of creating a budget with ChatGPT Using ChatGPT to create a budget was fairly simple. It required some fine-tuning on my part, but overall, the AI's recommendations made sense and were easy to understand. That said, it's not for everyone, and it has its pitfalls. Here's what you should keep in mind. Pros It's free. ChatGPT doesn't cost anything, and neither does Google Sheets if you choose to move your budget numbers there. ChatGPT doesn't cost anything, and neither does Google Sheets if you choose to move your budget numbers there. You can keep it simple. ChatGPT's initial budget suggestions are basic, which can make budgeting more approachable if you're a beginner. You're free to dive deeper into any answer, but you can also use it to create a basic budget to get started. ChatGPT's initial budget suggestions are basic, which can make budgeting more approachable if you're a beginner. You're free to dive deeper into any answer, but you can also use it to create a basic budget to get started. It can help you customize your budget. ChatGPT can suggest everything from how to save on utilities to how much to put toward retirement at various ages. But you need to ask it to do so. It probably won't offer these tips unprompted. Cons Its answers are only as good as your prompts. If you don't word your prompts correctly or you provide incomplete or inaccurate information, ChatGPT's answers won't be as helpful as they could be. For instance, when I omitted some common budget categories, it identified them only when I asked it to. It didn't automatically alert me that I may have left something out. Many budgeting apps offer preset categories you can use as guidance. If you don't word your prompts correctly or you provide incomplete or inaccurate information, ChatGPT's answers won't be as helpful as they could be. For instance, when I omitted some common budget categories, it identified them only when I asked it to. It didn't automatically alert me that I may have left something out. Many budgeting apps offer preset categories you can use as guidance. It's more work on your part. Budgeting apps can import your bank account transactions, sort them into common categories and suggest monthly spending limits based on your past spending. With ChatGPT, you must enter your numbers yourself. And if you move your budget to a spreadsheet, you'll need to manually track each transaction and sort it into the right category, which can be tedious. Budgeting apps can import your bank account transactions, sort them into common categories and suggest monthly spending limits based on your past spending. With ChatGPT, you must enter your numbers yourself. And if you move your budget to a spreadsheet, you'll need to manually track each transaction and sort it into the right category, which can be tedious. It's not suitable for ongoing budget maintenance. ChatGPT can generate your budget, but it won't track your transactions. And if you want to adjust your budget categories, you'll need to do it manually on your spreadsheet or ask the bot to generate a new budget. (Thankfully, ChatGPT saves your previous chats if you're logged in, so you can ask it to tweak the information in your initial chat rather than having to enter everything all over again.) If you want ongoing help managing and maintaining your budget, you're better off with a budgeting app. ChatGPT can generate your budget, but it won't track your transactions. And if you want to adjust your budget categories, you'll need to do it manually on your spreadsheet or ask the bot to generate a new budget. (Thankfully, ChatGPT saves your previous chats if you're logged in, so you can ask it to tweak the information in your initial chat rather than having to enter everything all over again.) If you want ongoing help managing and maintaining your budget, you're better off with a budgeting app. Its answers may vary. I created a couple of budgets in ChatGPT to see how consistent its suggestions were, and its answers differed from chat to chat. If the initial answer ChatGPT gives you is confusing, seems incomplete or doesn't feel right to you, ask it to restate it. I created a couple of budgets in ChatGPT to see how consistent its suggestions were, and its answers differed from chat to chat. If the initial answer ChatGPT gives you is confusing, seems incomplete or doesn't feel right to you, ask it to restate it. Your information is not confidential. Anything you tell ChatGPT could be used to train the AI model, which means it could become publicly available. In addition, ChatGPT is susceptible to hackers and information leaks and doesn't have the security measures you'll find with reputable budgeting apps. You can disable chat history to prevent your info from being used to train the bot, but OpenAI still saves it for up to 30 days. Pro tip Don't give ChatGPT any sensitive financial details, such as your Social Security number or bank account number. If you wouldn't want to see certain personal information published online, don't enter it into your prompts. Tips for using ChatGPT to build a budget AI is powerful, but you need to know how to use it for the best results. Here are some best practices for creating a budget with ChatGPT. Double-check everything. Make sure your prompts have the correct information and that ChatGPT's answers make sense. Do the numbers add up? Do the recommendations seem reasonable? A quick Google search of your question can help you compare ChatGPT's advice against reputable sources. Make sure your prompts have the correct information and that ChatGPT's answers make sense. Do the numbers add up? Do the recommendations seem reasonable? A quick Google search of your question can help you compare ChatGPT's advice against reputable sources. Be specific. The more information the chatbot has, the more fitting its answers will be for your financial situation. Including details like your age, where you live and the hobbies you prioritize spending on can help it customize its recommendations. The more information the chatbot has, the more fitting its answers will be for your financial situation. Including details like your age, where you live and the hobbies you prioritize spending on can help it customize its recommendations. Clarify. Don't hesitate to ask ChatGPT to clarify or reword its answers. It doesn't always state information in a way that's easy to understand. 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Forbes
15 minutes ago
- Forbes
19 Future Challenges For Leaders And How To Face Them Today
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Miami Herald
23 minutes ago
- Miami Herald
Bank of America predicts major housing market changes are coming soon
Homebuyers have faced an unpredictable housing market over the past few years. Rising home prices and stubborn mortgage rates have prompted many Americans to delay their plans for homeownership as they wait for housing conditions to improve. Broad economic uncertainty and the ongoing housing market gridlock have dampened buyer confidence, leaving the outlook for 2025 up in the air. Although housing inventory is finally increasing, weak demand could suppress housing sales. Don't miss the move: SIGN UP for TheStreet's FREE daily newsletter Sticky mortgage rates have shattered expectations for a strong housing rebound this year, but the overall market outlook is on the upswing from increased inventory and price deceleration. Though the second half of the year remains uncertain, many experts believe housing conditions will improve, potentially bringing an end to years of stagnation. Bank of America anticipates a few crucial shifts to watch this year. Image source: Acker/Bloomberg via Getty Images Following years of stagnation in the housing market, 2025 was anticipated to bring notable improvements. However, persistent inflation, trade tensions, recession concerns, and financial instability have kept mortgage rates elevated, constraining home sales. Housing affordability is one of the biggest barriers to homeownership, and elevated mortgage rates and inflated home prices have made saving for a down payment and finding a home within budget more difficult. Bank of America recently released its 2025 Homebuyer Insights Report, and it found that buyers are softening on the housing market outlook, but still holding out for better conditions. More than half of prospective homebuyers believe the housing market is in a better position than it was a year ago. And while 75% of buyers expect mortgage rates and housing prices to improve in the next year, they are also holding off on purchasing a home until then. More on homebuying: The White House will take surprising approach to curb mortgage ratesHousing expert reveals surprising ways to reduce your mortgage rateDave Ramsey predicts major mortgage rate changes are coming soonWarren Buffett's Berkshire Hathaway sounds the alarm on the 2025 housing market Younger generations in particularly would be encouraged to buy a home if mortgage rates fell below 6%. Head of Consumer Lending Matt Vernon notes that despite a challenging market, most buyers are planning to purchase a home in the future. "The uncertainty among homebuyers is real, but so is their resilience," he said. "Buyers are navigating a complex environment with rising costs, fluctuating rates, and mixed signals, but many are still planning ahead." First-time homeowners - predominantly Gen Z and Millennials - have struggled to buy a home amid rising prices and heightened competition. The average first-time homeowner age skyrocketed to 38 in 2024 as younger buyers were increasingly priced out of the housing market. In order to afford a home, younger buyers have been encouraged to lower their expectations and make concessions on their homeownership plans. Related: Fannie Mae predicts major mortgage rate changes are coming soon Over 90% of Gen Z and Millennial buyers noted that they purchased a home outside of their ideal neighborhood, and 30% of Gen Z buyers had to get a second job to help save for their down payment. "Even with the challenges they face, younger generations still understand the long-term value owning a home offers them, and many are doing what it takes to get there," Vernon continued. "They are finding creative ways to afford down payments and working hard to improve their financial futures." Though the housing market has been difficult for younger homebuyers to navigate, many remain hopeful that the market will turn around soon - and are finding innovative ways to tackle homeownership in the meantime. Related: Veteran fund manager unveils eye-popping S&P 500 forecast The Arena Media Brands, LLC THESTREET is a registered trademark of TheStreet, Inc.