Gen Z and Millennials are too burdened by unemployment and student loans to eat

Even a quick casual lunch can be too much of a financial burden for younger generations.

Chipotle CEO Scott Boatwright said young diners between the ages of 25 and 35 are cutting back on lunch at the Mexican-inspired fast-casual chain. But these millennial and Gen Z customers don’t like Chipotle over other fast food places; they stopped eating less often altogether.

“This group faces several headwinds, including unemployment, higher student loan repayments and slower real wage growth,” Boatwright told investors during the company’s earnings presentation on Wednesday. “We’re not losing them to competitors. We’re losing them to groceries and food at home.”

Boatwright noticed that Chipotle customers who make less than $100,000 — about 40% of Chipotle’s customer base — are also pulling back.

“They’re feeling the squeeze, we’re also feeling their pull,” he concluded.

Chipotle cut its same-store sales forecast for the third straight quarter as quarterly revenue missed expectations and traffic fell 0.8 percent, its third straight decline.

Other fast food chains have seen the emergence of a two-tiered economy in which high-income earners pay for their meals while low-income earners tighten their belts. This includes McDonald’s, which is largely supported by customers willing to spend more money at the chain.

“There’s a lot of commentary, ‘What’s the state of the economy, how is it doing right now?'” McDonald’s CEO Chris Kempczinski said. CNBC last month. “And what we’re seeing is this two-tiered economy. If you’re upper-income, you’re making more than $100,000, that’s fine. … What we’re seeing with middle- and lower-income consumers is really a different story.”

Fast-food restaurants have also gone to great lengths to appeal to Gen Z diners, including McDonald’s adult-oriented Happy Meals, Taco Bell’s customizable drinks and KFC spinoff Saucy Chicken Tenders. Chipotle has made similar attempts with limited-time new seasonings, but with success.

“We found in our research that over 90% of Gen Z consumers say they would visit a restaurant just for the new sauce,” Boatwright said Wednesday.

Chipotle did not immediately respond Fortunerequest for comment.

In an affordability crisis, it may take more than Chipotle’s Adobo Ranch or Red Chimichurri to attract young customers to stores more often. Gen Z in particular have switched from dining out to cheaper menu options, such as sharing appetizers and ordering kids’ meals, to save money.

Dining out comes at the expense of Gen Z and millennials trying to pay the bills. in August a Redfin study of 4,000 U.S. homeowners and renters found that 40% of Gen Z and millennial renters ate less to make their monthly payments. More than 20% reported skipping meals altogether to make ends meet.

The installation data may support Boatwright’s suspicions about Gen Z’s financial burden. According to the latest FICO report, Gen Z’s credit scores have seen their steepest annual decline since 2020, due in part to student loan repayments. And in addition to struggling with a stubbornly expensive housing market, younger generations are also struggling to get or keep jobs in order to advance their careers.

A JPMorgan Chase Institute report released Wednesday found that young people aged 25 to 29 had the slowest income growth in a decade. According to data from the Federal Reserve Bank of St. Louis, the unemployment rate for 16-24-year-olds rose in August. was about 10.5 percent, nearly three times higher than their millennial and Gen X counterparts.

A JPMorganChase report notes that in an era of “job hanging” with a low labor market and low hiring and anxiety about artificial intelligence displacing entry-level workers, Gen Z is missing out on a key period of career advancement that comes from changing jobs to earn more money. This reduces their purchasing power and makes it clear that their concerns are not limited to whether they want carnitas or chicken on burrito bowls.

“We’re already seeing young people struggle to get on the home ownership ladder,” said George Eckerd, director of wealth and markets research at JPMorganChase Institute. Fortune. “They’re putting off buying a home because they have to move up the career ladder to afford all that, and the career ladder is getting shallower.”

This story originally appeared on Fortune.com

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