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October 8, 2025 • 48 mins

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Gen Z gets written off as entitled and spend-happy - Maddie Borge proves otherwise. At 24, she lays out a disciplined, practical approach to money in a world where the old ā€œdegree → job → houseā€ promise no longer holds. We discuss why renting in cities like London can be precarious, how that instability reshapes goals, and the trade-offs between owning and investing. Maddie shares the systems that actually move the needle - pay yourself first, ring-fence essentials, use high-yield savings and index funds/ISAs, audit subscriptions and day-to-day leaks, and gamify progress so it sticks. We also talk balance: enjoying small luxuries without derailing a deposit, and why building a portable career or business can be a smarter path than climbing a broken ladder. This isn’t ā€œlazy Gen Zā€; it’s thoughtful, disciplined, and quietly ambitious.


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