The pace of change has accelerated far beyond anything earlier generations knew or understood -- even the childhood of millennials occurred in a world that was far different from that of children and teens today.

Take Gen Z freshmen at colleges across the U.S.

The Marist College Mindset List, a quick field guide, if you will, to this year's incoming class of 2023, says "Born in 2001, they have lived in a world in which shedding shoes at airport security... is routine," and Jeopardy host Alex Trebek "has never had a mustache."

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

BenefitsPRO editors