“Essentially those with an external locus think the outside world controls their destiny, and that they are almost powerless to change their fate. No Zer says outright, “I feel as though there is an external locus of control over my life.” Instead, the thinking develops on a much deeper level due to the struggles currently enveloping society. One small example of this is McKinsey’s American Opportunity Survey, which shows generation Z’s financial trepidation. Nearly 23% of the ~25,000 respondents queried say they don’t expect ever to retire. Only 41% ever hope to own a home15”