The aging population is facing a financial literacy crisis that jeopardizes economic stability as seniors struggle with complex financial decisions. As financial literacy declines, especially among women, the consequences extend beyond households, affecting public safety nets and economic growth. Policymakers and fintech innovators are urged to address these gaps through education and supportive tools to transform this demographic challenge into an opportunity for economic resilience.

Generation Z's financial habits, characterized by prioritizing immediate needs over savings, have drawn criticism for their potential long-term impact on wealth accumulation. However, this behavior presents opportunities for fintech firms to create solutions that encourage better financial planning through micro-investment platforms, gamified financial literacy, and ethical robo-advisors. By leveraging behavioral economics, these companies can help shift Gen Z from "Reactors" to "Planners," promoting healthier financial habits.