According to Fortune, research from Northwestern University and the University of Chicago shows that as housing prices continue to rise and the barriers to homeownership increase, some Generation Z individuals are abandoning their homeownership goals and shifting towards increased consumption, reduced savings, and greater work effort, while also showing a preference for high-risk investments. The study points out that when young renters believe that saving alone makes homeownership unattainable in the foreseeable future, their risk appetite increases, with cryptocurrencies listed as one of the typical high-risk investment categories. Related research also indicates that the proportion of Generation Z holding cryptocurrencies has surpassed the proportion holding retirement accounts.