Around two-thirds of respondents said they didn't have a formal financial plan.Maria Korneeva/Getty Images Many young people said they delayed financial planning because of time constraints, a survey found. Charles Schwab, a financial-services firm, surveyed 1,000 Americans for their views on wealth. Gen Zers' and millennials' attitudes often contrasted with those of boomers, the survey found. Many Gen Zers and millennials are delaying making financial plans because they're time-consuming and complicated, a survey has found.The survey was conducted for financial-services company Charles Schwab by Logica Research.