Goldman Sachs analysts Robert Boroujerdi and Christopher Wolf described Generation Z as "more conservative, more money-oriented, more entrepreneurial and pragmatic about money compared with Millennials." In 2018, as the number of robots at work continued to increase, the global unemployment rate fell to 5.2%, the lowest in 38 years. Current trends suggest that developments in artificial intelligence and robotics will not result in mass unemployment but can actually create high-skilled jobs. However, in order to take advantage of this situation, one needs a culture and an education system that promote lifelong learning. Honing skills that machines have not yet mastered, such as teamwork and effective communication, will be crucial.