Goldman Sachs’ 10th annual intern survey offers a revealing look into the mindset of the next generation of Wall Street professionals, drawing insights from around 2,100 summer analysts and associates selected from a record 360,000 applicants. The survey captures how Gen Z interns navigate technology, spending habits, work-life balance, and long-term life goals. AI use is nearly universal among the interns, with 97% reporting they use AI tools in their personal lives—up from 86% the previous year. Most use AI for writing support (31%), fact-checking (19%), and seeking advice (16%). While 84% believe AI will have a net positive impact, 98% agree it should be heavily or somewhat regulated. Concerns center on data privacy, with 54% cautious about sharing sensitive information and 37% worried about how AI tools store or use their data. Over half also oppose AI involvement in creative fields like art, music, and literature. Despite their tech-savviness, the interns value human connection. A majority say they want more in-person collaboration and are actively trying to unplug—74% use do not disturb features to limit screen time, up from 65% in 2023. They also anticipate AI will eventually replace traditional search engines, with 77% believing this shift is likely. When it comes to money, 98% prefer paying in full rather than using buy now, pay later services. Digital wallets are the preferred payment method for 57%, a significant increase from 49% in 2024. Only 2% still use cash. Despite the rise of e-commerce, 59% favor in-person shopping. Dining out and wellness are top spending categories, with 37% spending on food and takeout and 15% on fitness and self-care. Outside work, spending time with friends and family is the top way to unwind, followed by exercise and sports. Their reading list blends classics like "1984" and "The Great Gatsby" with finance staples such as "Rich Dad Poor Dad," "How to Win Friends and Influence People," and "The Psychology of Money." Career-wise, mentorship is highly valued—84% expect to be paired with a mentor early in their jobs. Most plan to stay in their first role for two to five years. In terms of communication, 47% prefer face-to-face interactions over digital tools like Teams, a clear preference for in-person connection. Looking ahead, the interns are ambitious in both personal and professional life. A record 97% expect to buy a home, up from 85% last year. Similarly, 96% anticipate getting married or entering a formal relationship, up from 92% in 2024. Over half say they expect to meet their partner in person, not online. The most dramatic shift comes in family planning—87% now plan to have children, a sharp increase from 61% the year before. The survey paints a picture of a generation that is deeply immersed in technology yet values human connection, financial responsibility, and long-term life goals. They are not just future bankers—they are shaping the future of work, life, and leadership.