How did two Gen Z women become so fired up about retirement?
In this installment of “Spilling the Tea,” Kayla and Hayden from the ValuTeachers' marketing team share the inspiration that crossed generations - and has given them a strong head start on securing their financial futures.

Kayla starts by sharing a story about her grandfather. "He's the most frugal man I've ever met," she says warmly. A former plant pathologist, "he did such a good job at saving and contributing to his retirement plan." The results are clear today: "He has never once really complained about finances, which to me has always been something to aspire to. Even though you’re getting older and can have more health expenses, you’re not as worried as you could be, because you thought about saving early on."
Hayden inherited a similar perspective: "My grandfather and grandmother never did anything too elaborate. If they wanted a vacation, they would go two hours away and just visit family." But their prudent saving led to an unexpected transformation in retirement. “After they retired, all of a sudden they would go on these fun trips out of the country," Hayden recalls. Curious about this change, she asked her grandfather about it.

"I'll tell you, Hayden," her grandfather explained, "I started as soon as I got a job." Despite modest beginnings in the military and court system, Hayden's grandparents prioritized saving: "As soon as they got married at 21 years old, they put money aside, here and there.
No matter how small the amount, it meant they were thinking about their futures."
Looking toward the future, Kayla shares her perspective: "I'm currently not a mother. I have no plans to be one any time soon, but I do think about getting married and all those fun things... these future hypothetical people that I'm going to love someday, we want them to be financially stable."

Their message is clear: it's never too early to start planning for retirement, and even small contributions can grow into "a great big bucket that'll allow you to do great big things," concludes Kayla.
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