Gen Z faces a double disruption: AI-driven technological change and institutional instability Three distinct Gen Z cohorts have emerged, each with different relationships to digital reality A version of the barbell strategy is splitting career paths between "safety seekers" and "digital gamblers" Our fiscal reality is quite stark right now, and that is shaping how young people see opportunities

When I talk to young people from New York or Louisiana or Tennessee or California or DC or Indiana or Massachusetts about their futures, they're not just worried about finding jobs, they're worried about whether or not the whole concept of a "career" as we know it will exist in five years.

When a main path to financial security comes through the algorithmic gods rather than institutional advancement (like when a single viral TikTok can generate more income than a year of professional work) it fundamentally changes how people view everything from education to social structures to political systems that they’re apart of.

Gen Z 1.0: The Bridge Generation: This group watched the digital transformation happen in real-time, experiencing both the analog and internet worlds during formative years. They might view technology as a tool rather than an environment. They're young enough to navigate digital spaces fluently but old enough to remember alternatives. They (myself included) entered the workforce during Covid and might have severe workplace interaction gaps because they missed out on formative time during their early years. Gen Z 1.5: The Covid Cohort: This group hit major life milestones during a global pandemic. They entered college under Trump but graduated under Biden. This group has a particularly complex relationship with institutions. They watched traditional systems bend and break in real-time during Covid, while simultaneously seeing how digital infrastructure kept society functioning. Gen Z 2.0: The Digital Natives: This is the first group that will be graduate into the new digital economy. This group has never known a world without smartphones. To them, social media could be another layer of reality. Their understanding of economic opportunity is completely different from their older peers.

Gen Z 2.0 doesn't just use digital tools differently, they understand reality through a digital-first lens. Their identity formation happens through and with technology.

Technology enables new forms of value exchange, which creates new economic possibilities so people build identities around these possibilities and these identities drive development of new technologies and the cycle continues.

different generations don’t just use different tools, they operate in different economic realities and form identity through fundamentally different processes. Technology is accelerating differentiation. Economic paths are becoming more extreme. Identity formation is becoming more fluid.

I wrote a very long piece about why Trump won that focused on uncertainty, structural affordability, and fear - and that’s what the younger Gen Z’s are facing. Add AI into this mix, and the rocky path gets rockier. Traditional professional paths that once promised stability and maybe the ability to buy a house one day might not even exist in two years. Couple this with increased zero sum thinking, a lack of trust in institutions and subsequent institutional dismantling, and the whole attention economy thing, and you’ve got a group of young people who are going to be trying to find their footing in a whole new world. Of course you vote for the person promising to dismantle it and save you.

the concept of file folders and directories, essential to previous generations’ understanding of computers, is gibberish to many modern students.

The impact is particularly noticeable among Generation Z and millennials, the first generations to come of age with the possibility of knowing where their peers are at all times. It has changed how friends communicate with one another and blurred lines of privacy. Friends now, sometimes unwittingly yet obsessively, check one another’s locations and bypass whole conversations — about where somebody is, what they are doing or how their days are going — when socializing. All of that information can be gleaned from Find My.

Although Find My is not marketed as a social experience, sharing locations has become a test of sorts, much like being included on a close friends list on Instagram or on a private story on Snapchat can signal closer friendships.

With Find My, “you aren’t actively choosing to do something as you reach a certain location because you’re constantly sharing your location,” said Michael Saker, a senior lecturer in digital sociology at City, University of London. As a result, “there’s an intimacy that’s intertwined with that act,” he added. “There’s a verification of being friends.”