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Is the Crypto Market Bouncing Back? Here's What You Need to Know

Is the Crypto Market Bouncing Back? Here's What You Need to Know

This story is part of Power Money Moves, CNET's coverage of smart money decisions for today's changing world.

In July, the cryptocurrency market bounced back to a $1 trillion market capitalization (the total dollar market value of crypto today) for the first time in recent months. But while the market looks healthier than just a couple of weeks ago, it's still far from last November's peak, which reached $3 trillion. In an economy with high inflation and recession risks looming, is crypto still a worthy investment?

After bullish highs in 2021, cryptocurrency dropped to pessimistic lows this year, tumbling into bear market territory which investors are dubbing another "crypto winter." The $2 trillion crypto market crash wiped out investor gains, cost thousands of people their jobs and obliterated once staple digital currencies, including the crypto token luna, which lost all of its value following stablecointerraUSD's collapse in May. 

While crypto is starting to trend upward, volatile highs and lows are nothing new in the crypto markets -- and skeptics have long characterized crypto as an empty bubble destined to burst. Critics have called bitcoin, stablecoins and NFTs simply a new digital version of an old con primed to swindle and scam. But investors see the world of digital coinage as a step forward, a kind of "Money 2.0" that will democratize finance and power the metaverse. Amid the seesawing prices and teetering sentiments, one thing hasn't changed: Cryptocurrency remains controversial, risky and wildly volatile. 

Read more: The World's Biggest NFT Festival vs. the Crypto Crash of 2022

In simple terms, cryptocurrency is a digital token, ownership of which is recorded on a blockchain, a distributed software ledger that no one controls. This is designed to make it more secure, in theory. bitcoin and ethereum are the two most widely known cryptocurrencies, but more than 18,000 tokens are traded under different names (dogecoin is one famous example). 

Despite gyrating prices and a relative lack of regulation, cryptocurrency is seen by many as the next financial frontier. Developments like President Joe Biden's desire to explore a digital US dollar to multimillion-dollar Super Bowl ads underscore a growing desire from powerful government and corporate institutions to quickly legitimize crypto in much the same way as stocks and bonds.

But it's worth considering whether cryptocurrency is a smart investment for you... especially in light of the current downturn and the ever-present potential for a major crash (in crypto and the US economy, generally).

"Cryptocurrency is one of those categories of investing that doesn't have those traditional investor protections," said Gerri Walsh, senior vice president of investor education at the Financial Industry Regulatory Authority. "They're outside the realm of securities trading. It's an area that's in flux, as far as regulations go."

Professionals caution that investors shouldn't put more than they can afford to lose into crypto, which offers few safeguards, plenty of pitfalls and a spotty track record. If you're thinking about adding crypto to your portfolio, here are five key questions to consider before you begin.

What are the risks of investing in crypto?

Before investing in crypto, you should know there's almost no protection for crypto investors. And since this virtual currency is extremely volatile and driven by hype, that's a problem. It's easy to get caught up in tweets, TikToks and YouTube videos touting the latest coin -- but the adrenaline rush of a market spike can easily be washed away with a dramatic crash.

You should be on the lookout for crypto scams. One often-used scheme is a pump and dump, in which scammers encourage people to buy a certain token, causing its value to rise. When it does, the scammers sell out, often pushing the price down for everyone else. These scams are prominent, and they took in more than $2.8 billion in crypto in 2021.

From the US government's current policy perspective, you're on your own. At this time, the government provides no deposit protection for crypto as it does for bank accounts. This may change following Biden's March executive order, which directed government agencies to investigate the risks and potential benefits of digital assets.

So far as we can tell, only one company offers crypto insurance: Breach Insurance, with a Crypto Shield offering that promises to cover your accounts from hacks. Other companies, such as Coincover, provide theft protection, which alerts you if there's suspicious activity on your account. Coincover maintains an insurance-backed guarantee that if its technology fails, it will pay you back up to the amount you're eligible for, which depends on the level of protection the wallet you use offers. (Neither Coincover nor Breach Insurance will cover you against scams.)

Despite all the hype, scams, periodic crashes (and persistent risks) in this market, Cesare Fracassi, who runs the Blockchain Initiative at the University of Texas, Austin, still thinks crypto has a viable future.

"I think crypto holds a possible solution to some of the problems of the traditional financial sector," Fracassi said. "The current, traditional financial system is noninclusive, it's slow and expensive and incumbents, including large banks and financial institutions, basically have a lot of control. I think crypto is a venue through which you can actually break the system."

How do I start investing in cryptocurrency?

If you're considering buying crypto now, as prices have dipped, it's worth noting that there's no guarantee the market will recover. But the simplest way to get your feet wet with crypto investments is to use US dollars to buy a cryptocurrency using a popular exchange like Coinbase, Binance or FTX. A handful of well-known payment apps — including Venmo, PayPal and Cash App — will let you buy and sell cryptocurrency, though they generally have limited functionality and higher fees. 

Whether you're using Coinbase, Binance, Venmo or PayPal, you'll be required to provide some sensitive personal and financial information... including an official form of identification. (So much for bitcoin's reputation for anonymous transactions.) 

Once your account is set up, it's simple to transfer money into it from your bank. And the barrier to entry is quite low: The minimum trade amount is $2 on Coinbase and $15 on Binance.

Read more: Best Bitcoin and Crypto Wallets for 2022

What percentage of my portfolio should be in crypto?

Crypto is so new, there isn't enough data yet to decide how much of your portfolio "should" be in cryptocurrency, according to Fracassi.

"We need decades of returns in order to understand whether a specific asset is good in a portfolio," Fracassi said. "We know that on average stocks return about 6% more than bonds. That's because we've had 60 to 100 years to see the average returns on stocks and bonds."

Like all investment decisions, how much you pour into crypto will depend on your risk tolerance. But investment professionals suggest that investors keep their exposure low, even for those who are all in on the technology. Anjali Jariwala, a certified financial planner and founder of Fit Advisors, recommends that clients allocate no more than 3% of their portfolio to crypto.

If I make money on crypto trades, do I have to pay taxes?

Yes. Whether you're buying, selling or exchanging crypto, the IRS wants to know about it. Your tax liability depends on your particular situation, but crypto investments are broadly treated like other investments, including stocks and bonds. 

You don't need to report crypto on your tax return if you didn't sell or exchange it for another type of crypto. Buying and holding also doesn't need to be reported. If you did sell or exchange crypto, though, you'll need to report any gains or losses realized, just like you would for stocks and bonds. 

Adding crypto trades won't make your tax return any easier. But popular tax software like TurboTax, CoinTracker and Koinly now connect with wallets and exchanges to automatically track your cryptocurrency holdings, sales and transfers.

Is there a way to learn about crypto without investing in the currencies themselves?

Buying tokens is the most straightforward approach to experimenting with cryptocurrencies. But other opportunities exist for exploring the crypto world while potentially protecting your money from seesawing swings. 

Here are a handful of alternatives:

Buy shares of crypto companies. Many companies in the crypto space are publicly traded. Buying shares of Coinbase Global or PayPal Holdings rather than of the coin itself allows you to benefit from the business proceeds of these companies, which are in part generated by crypto. You can also buy shares of companies that make crypto-related hardware, such as Nvidia and AMD.

Invest in crypto ETFs or derivatives.Specialized exchange-traded funds, or ETFs, are available for crypto. ETFs are baskets of securities, such as stocks, commodities and bonds, that follow an index or sector, in this case, crypto. Futures and options are also available for some crypto products, though these advanced types of investment vehicles come with their risks.

Get a job in crypto.LinkedIn, Indeed and Monster list thousands of jobs in crypto. Whether you've got a traditional finance background or you're a software engineer, there's a boom in the blockchain labor market. There's also Cryptocurrency Jobs, a job board dedicated to blockchain careers.

Whether you'll plunge into crypto waters is ultimately up to you, but bear in mind it isn't the only place to start your investing journey. And beyond crypto, there are other digital assets to consider, too, including NFTs. But if you do take the plunge, be sure to invest in a good wallet to keep your digital currency safe.

Read more: Air Travel Is More Expensive in 2022: Here Are Smart Ways to Save Money When You Fly 

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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5 Best Online Therapy Services for 2022

5 Best Online Therapy Services for 2022

The destigmatization of mental health has come leaps and bounds over the years, but access to traditional resources hasn't followed suit. As per a study, up to 70% of the people who need mental health care don't have access to it. Enter online therapy. It helps bridge the gap and offers resources to those who otherwise can't get help, whether because of location, finances or scheduling conflicts. 

There are plenty of reasons traditional therapy may not be the best option for you. The convenience and flexibility of online therapy are quickly making it one of the most popular ways to connect with mental health professionals. If you're considering giving online therapy a try or just interested in learning more, here are our top six choices for the best online therapy. 

But not all online therapy platforms are created equal. Below, a primer on five popular HIPAA-compliant therapy services that only employ licensed and trained mental health professionals. 

Read more: Best Mental Health Apps  

BetterHelp

BetterHelp is one of the largest, reputable online therapy platforms that gives you access to over 12,000 experienced mental health professionals. You can feel confident about the therapist you work with through BetterHelp therapists, thanks to experience requirements and a thorough vetting process. Every therapist has a minimum of three years and 1,000 hours of hands-on experience. 

After you sign up and complete the questionnaire, you'll be matched with a therapist, generally within a day. BetterHelp therapists specialize in various areas, including anxiety, depression, substance abuse and eating disorders. You can message your therapist from anywhere, anytime. However, that doesn't mean you will always get an immediate response. Given they are real people, they aren't available 24/7. 

The cost of online therapy with BetterHelp ranges from $60 to $90/week. You are billed monthly. According to the website, pricing is based on your location, preferences and therapist availability. Some users did note frustrations with customer service and technical issues with the BetterHelp app. 

BetterHelp best features:

• You can participate in video calls, instant messages, text and live therapy sessions with your counselor. 
• On the website, you have access to blog articles and educational content.

Things to consider:

• BetterHelp doesn't accept insurance, so what you see is what you'll pay. Financial assistance may be available through BetterHelp for qualified individuals. The initial questionnaire determines the eligibility for financial assistance, as it asks about employment and financial troubles. 
• You get talk therapy with BetterHelp; counselors do not diagnose or prescribe medication. 

Talkspace

Talkspace is one of the most versatile online therapy platforms with several communication methods, therapy options and price points. With Talkspace, you get message-based therapy that's a great option for those who feel comfortable sharing through video or have a changing schedule that cannot commit to weekly sessions. 

Starting Talkspace is simple. Once you sign up, you complete an assessment that includes the payment plan options. Talkspace has three therapy subscription options. Messaging therapy which includes text, video and audio messaging with a therapist, starts at $69/week. Live therapy starts at $99/week and includes four 45-minute live therapy sessions each month. The last subscription option combines the two. Starting at $129/week, it includes four live sessions and text, video and audio messaging. Talkspace notes that pricing is based on where you live and the network of available therapists. 

After you select which plan you want, a consultation therapist selects a list of matched therapists that you can choose from. 

Talkspace best features:

• Those with an employee assistance program through their employer may have coverage. 
• A psychiatrist through Talkspace Psychiatry has the ability to prescribe medication and help you manage it. These services cost $249 for the initial consultation and $120 for your follow-up sessions. 
• TalkSpace has a network of over 3,000 mental health professionals. 

Things to consider:

• While still more affordable than traditional therapy, Talkspace doesn't offer sliding scale payments. However, Talkspace does offer the occasional discount. 
• Your therapist may not reply immediately to messages; it typically takes a day. 
• Recent user reviews note that customer service and insurance claims with TalkSpace can be frustrating. 

Cerebral

Cerebral takes the spot for the best online therapy platform for medication management, thanks to its all-in-one approach to mental health. You have access to talk therapy and medication with a licensed psychiatrist. Those who manage their prescriptions through Cerebral will be shipped directly to your home. 

There are three membership plans. Medication and care counseling includes evaluation, diagnosis and prescription from a psychiatrist, medication delivery and weekly video/phone sessions. This plan is $85/month. Mediation and therapy costs $325/month and includes everything the first plan does, though you can chat with your therapist anytime. The final is therapy, which does not include any medication though weekly meetings with your therapist. It costs $259/month. 

Cerebral subscriptions are about average compared to competitors for out-of-network providers. However, if you have an insurance plan that Cerebral accepts, the price can be as low as $30/month, plus a copay.

Cerebral best features: 

• Membership plans are FSA/HSA eligible. 
• Cerebral is a one-stop shop that offers therapy, psychiatry and medication management. 
• All therapists and psychiatrists are board-certified and licensed. 

Things to consider:

• Cerebral is not available in all states. Treatment for disorders also varies by state. 
• When signing up, you have to add a payment method before an appointment. This may result in your card being charged if you do not match with a therapist within the time period provided. However, since Cerebral recently started issuing refunds for this. 
• User reviews are typically positive at 4.3 on Google Play and 4.6 on the App Store. 

Amwell

Most online therapy platforms don't accept insurance, making counseling unattainable for many. Amwell is the best online therapy platform that takes insurance because of its large network of accepted health plans. 

After signing up with Amwell, you will choose a licensed therapist and schedule your first session. You can choose your therapist based on what they specialize in, allowing you to find the best fit for your needs. Each therapist has a bio on their profile. 

Amwell offers fewer communication options than competitors because it is not a subscription-based therapy. You only have access to virtual video sessions that you schedule. This tends to be the best for people who only have sessions with a therapist and have a schedule that requires flexibility. Most users comment that while the app may not be the most modern, it is typically easy to use. 

The cost of your sessions is based on the therapist or psychiatrist and their experience level. Typically, sessions cost between $109 to $129. Your health insurance plan will determine how much you pay out of pocket.

Amwell's best features:

• You can schedule a session with a psychiatrist for medication.
• Amwell accepts many types of insurance providers. 
• Amwell also offers a variety of services competitors don't have, like breastfeeding support or stress management. 

Things to consider:

• Amwell doesn't do subscription plans; you are charged by session. 
• Since it doesn't have messaging or phone call options, Amwell is not a good choice for crisis situations. 

Pride Counseling

The LGBTQIA+ community struggles with mental health issues at a disproportionately high rate. And traditional counseling options aren't always helpful. A survey of LBGTQ+ people found that 50% had experienced harsh language, scapegoating problems on their sexual orientation or outright denial of care. 

Pride Counseling, a subsidiary of BetterHelp, offers inclusive and accessible virtual counseling specialized for the LGBTQIA+ community to address struggles like gender identity, stigma, eating disorders and stress. Every therapist you encounter when using Pride Counseling has extensive experience working with the LGBTQIA+ community. 

At the start, you are asked several questions, including your pronouns, how you identify and your sexual orientation, to ensure you at matched with the best therapist. Pride Counseling also has taken steps to ensure security and anonymity are valued -- you can pick a "nickname" instead of your full name. 

You have unlimited messaging to contact your therapist at any time. Unlike other options, your counselor cannot diagnose conditions or prescribe medication. Costs range from $60 to $90/week with a billing cycle of every four weeks.  

Pride Counseling's best features:

• All therapists have experience working with the LGBTQIA+ community. Requirements are at least three years and 1,000 hours of experience to become a Pride Counseling therapist.
• Price Counseling has positive reviews from users, with a 4.5 on Google Play and 4.6 on the App Store. 

Things to consider:

• Unfortunately, Pride Counseling does not accept insurance. 
• Pride Counseling is only for adults. 
• The website, while straightforward, doesn't offer any additional resources like blog articles for those seeking an answer to a specific question. 

ReGain

ReGain, a sister site to BetterHelp, is a virtual therapy platform with experts specializing in relationships, intimacy and family issues. That's why it's our choice for the best online therapy for couples counseling. All therapists through ReGain are licensed and hold titles like licensed marriage and family therapists or clinical social workers.  

The sign-up process is similar to the other options on the list -- you fill out a questionnaire and are matched with a therapist. You can have both couples sessions and individual sessions with your therapist. You have access to 24/7 chat messaging, phone and video sessions. Unique to ReGain, there is a one-week free trial when you sign up.  

Another benefit that ReGain offers that alternatives do not is the wealth of educational information available on the website. ReGain offers dozens of articles and advice on relationships, regardless if you are signed up. This is not a standard feature in the virtual therapy space. 

ReGain online therapy costs between $60 to $90/week; you'll be billed every four weeks.  

ReGain's best features:

• You don't have to pay double for having both partners in the session. 
• All therapists through ReGain specialize in relationships and family issues.
• ReGain has a 4.5 rating on Google Play and 4.8 on the App Store. User reviews are generally positive.  

Things to consider:

• ReGain doesn't support three-way video conferencing; you and your partner have to be in the same room for your video sessions. 
• Typically it is not covered by insurance. 

How we chose the best online therapy platforms

Many criteria were considered when choosing the best online therapy platforms. The most important being the therapist's qualifications and credibility, pricing, ease of use, customer reviews, accessibility and insurance coverage. 

All of the selections on the list have positive user reviews, are easy to use and more affordable than traditional therapy. 

What is online therapy?

Online therapy brings the expertise of mental health professionals to the comfort of your home through phone calls, messages and video conferencing. Each online mental health service will vary in what they offer. For example, some services won't be able to diagnose or prescribe medication as a traditional therapy option could. 

Online therapy isn't for everyone. But it's a good option for people who have inconsistent schedules, tight budgets or aren't comfortable meeting with a therapist face to face. Research has shown that virtual therapy can be as effective as in-office meetings for some. 

Online therapy benefits: 

• Virtual therapy is more affordable and accessible than traditional therapy options. However, not all platforms accept insurance. 
• It's convenient. You can schedule your sessions around work, childcare or other life events that may get in the way.
• Being at your home when you're working in sessions can be more comfortable than going into an office. 

Read more: Tips to Find the Right Therapist For You

Is online therapy secure?

Privacy is one of the most important concerns when seeking online therapy. The American Psychological Association provides specific guidelines that therapists should follow for virtual sessions. One of the most important guidelines states that all online therapy platforms must comply with the Health Insurance Portability and Accountability Act (HIPAA). Whether through video or chat or text, all communication is covered under HIPAA. 

Some virtual counseling platforms take extra levels of precaution and allow you to delete messages after reading. It's important to read the privacy policies of each platform before signing up. This information is often found in the frequently asked questions section of the website. 

How to choose the best online therapy

Finding your ideal match can be difficult with so many options available to you. All platforms will vary in strengths and weaknesses, so it's important to know what your most important needs are. When you're looking for the best online therapy, you'll want to keep a few things in mind:

• Your goal: The first thing you want to check is that the platform includes the issue you want help with. Some platforms are specialized, like in the case of ReGain and couples counseling. 
• The therapists' credentials: You should be able to find the credentials and experience requirements for the platform's therapist. This is often located in the FAQ section of the website. You typically also want a service that allows you to change therapists. 
• User reviews: User reviews can serve as a gauge of the satisfaction of the platform. Did people find the website or app easy to use? What were their favorite features? Were there any pain points you need to watch for?
• Your budget and insurance: The unfortunate truth is that money is one of the main reasons people do not get the help they need. The subscription options and cost should be clearly stated on the website. You also should be able to find insurance coverage. 

Read more: How Cognitive Behavioral Therapy Can Reshape the Way You Think

More support for your mental health

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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Quiet Quitting: The Work-Life Debate Is Having Another Viral Moment

Quiet Quitting: The Work-Life Debate Is Having Another Viral Moment

Months after "the Great Resignation" entered the collective vocabulary, the question of what, exactly, a person owes their employer is having yet another viral moment. 

At the end of July, @zaidlepppelin posted on TikTok about a phrase called "quiet quitting." It's the idea of meeting the requirements of a job and stopping there. The video has since racked up more than 3.4 million views, while the hashtag has more than 21 million views from other TikTokers chiming in with their views on the broader idea, and even the term itself.

The concept is reigniting another debate over work-life balance, with proponents saying it's just a necessary call for boundaries while critics bemoan a perceived lack of initiative and slacker mentality. 

As always, it's not clear cut. Here's what you need to know about quiet quitting. 

What is quiet quitting?

Quiet quitting is the idea of doing your job and nothing more. In the original viral TikTok, @zaidlepppelin described it like this: "You're still performing your duties but you're no longer subscribing to the hustle culture mentality that work has to be your life. The reality is it's not, and your worth as a person is not defined by your labor."

@zaidleppelin On quiet quitting #workreform♬ original sound - ruby

Is quiet quitting new?

In a word, no. 

"It's popular now because of the hashtag," said Jha'nee Carter, who goes by @_thehrqueen on TikTok where she talks about leadership and employee advocacy.

Although the phrase "quiet quitting" has only gained traction in the last few weeks, the struggle to find a balance between work and personal life is far older. The National Labor Union first (if unsuccessfully) asked Congress to establish the eight-hour work day in 1866. 

A century later, American pop group The Vogues sang about the bliss of being off the clock in their 1965 song Five O'Clock World: "It's a five o'clock world when the whistle blows. No one owns a piece of my time."

These days, you're more apt to hear about achieving a healthy "work-life balance." 

The trend shows up globally at times, too. In July 2021, Brookings wrote about the "lying-flat" movement in China, where a culture that prioritizes overwork started to clash with a feeling of stagnation among workers, particularly among younger people. In April of that year, the concept went viral.

"For some, 'lying flat' promises release from the crush of life and work in a fast-paced society and technology sector where competition is unrelenting. For China's leadership, however, this movement of passive resistance to the national drive for development is a worrying trend," the article said, also explaining that China has aimed to "end its reliance on imported technology," hence driving a particular pressure in the tech sector. 

What's the controversy?

Some of the controversy around quiet quitting surrounds the question of whether this is a healthy approach to your job, or whether you're being a slacker. 

"The tether to the workplace … the expectations and exploitation of employers is so extreme now, that just doing your job is considered quitting," said Leigh Henderson. You might have run into Henderson on TikTok as @hrmanifesto, where she uses her more than 15 years of experience in the corporate world to talk about everything from dealing with your toxic job to interviewing for a new one.

She was initially confused by the idea of quiet quitting, thinking how is that "different from just work life balance, creating boundaries, having priorities, and just having a life?" Henderson says it should the be responsibility of employers to keep their employees engaged.

And on TikTok, people have questioned whether anyone should be expected to put in more work than they're being compensated for. 

@hrmanifesto ✨New Trend Alert✨Loud Failing #insanity#quietquitting#loudfailing#employee#engagement#nightmare#corporate#victimblaming#hr#hrmanifesto#greenscreen @wsj @zaidleppelin ♬ original sound - HRManifesto

Not everyone sees it that way. Kevin O'Leary from ABC's Shark Tank took to TikTok to say, "Quiet quitting is a really bad idea. If you're a quiet quitter, you're a loser." O'Leary did not immediately respond to a request for comment. In a video on CNBC, he said you're hired at a company to make the business work, and you should go above and beyond because you want to – and that's how to get ahead.

@kevinolearytv What are your thoughts on quiet quitting? #kevinoleary#quietquitting#entrepreneur#career#careeradvice♬ original sound - Mr. Wonderful

TikTokers have pointed out that to the ears of an employer, quiet quitting could sound like suddenly getting less out of their employees, regardless of whether those employees were getting paid to do the extra work anyway.

What's more, the term itself – quitting – has a negative connotation. Henderson thinks of it as "quiet survival," and it's something she's done in her own career. In a follow up TikTok, Henderson said, "I was saving myself from the toxic work environment and protecting myself from the toxic work environment that my employer not only established and facilitated but continually benefited from." 

Why are people talking about quiet quitting now?

The easy answer is that this particular TikTok went viral at the end of July. But circumstances have been ripe for this for much longer, according to Matt Walden, managing partner at Infinity Consulting Solutions, who has been working in the recruiting space for more than two decades. He pins some of this moment to burnout. 

For one, Walden looks to the pandemic – as employees shifted to remote work, often it could be more difficult to compartmentalize work and home life. It's easy to keep your laptop open and answer a few extra emails while cooking dinner, perhaps. 

"Work from home was a blessing for many. And for others, it had people working more than they've ever worked, unknowingly, in isolation," Walden said. 

Quiet quitting also comes in the wake of the Great Resignation, the term for the phenomenon of American workers quitting their jobs in record numbers, often to pursue better pay, benefits and flexibility, or even just to dodge going back to an office. A July report from McKinsey called it the "quitting trend that just won't quit." Although open jobs in the US fell to 10.7 million in June from 11.25 in May, the report said it's likely openings won't return to a more normal range for a while.

Another possible facet is a backlash to hustle culture – the mentality that calls for optimizing every minute of your life for productivity and glorifies non-stop work. 

Henderson also pointed out that there's a whopping four generations in the workforce now, bringing with them different perspectives, attitudes and experiences which inform their relationship with work. 

"Make no mistake that Gen Z employees watched those Gen X parents stick the finger right to corporate America," Henderson said.

Who is quiet quitting?

While there are no numbers on quiet quitting, Walden said he wouldn't characterize this as a tidal wave trend. Though Gen Z is being largely associated with quiet quitting, demographic breakdowns from the Great Resignation show they're not the only generation reappraising work. 

And not everyone has the luxury of quiet quitting. 

"In order to climb that corporate ladder as a person of color, I believe that it's a necessity to go above and beyond," Carter said, talking about how those in minority groups, like people of color, don't always have the same resources available to them, so upping their skills, getting in the right rooms with the right people to network, and the like takes more work. She also says it takes learning to advocate for yourself in order to not end up burned out and exploited. 

@_thehrqueen Can quietly quitting destroy your career? ✨ #hrqueen#quietquitting#iquit#corporateamerica#mentorforu#youngprofessionals#hrlife#hrtok#careertips#careeradvice#careeradvicedaily#leadershipdevelopment#ReTokforNature♬ Level Up - Kwe the Artist

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Hey, Gen Z: Here's What Millennials Say About Riding Out a Recession

Hey, Gen Z: Here's What Millennials Say About Riding Out a Recession

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

I'm officially one year away from graduating college, and I have no idea what comes next. A job, hopefully. Grad school, maybe? For me, college has been about preparing to enter the workforce, armed with all the skills I need to succeed. Now that it's time to start actually applying for jobs and planning for long-term financial stability, it's pretty scary.

Entering the job market comes with endless challenges, even in a healthy economy. And regardless of the debate over whether we're in an official recession, the past few months have demonstrated how difficult it can be to remain financially stable during a shaky economy. Inflation is at a historic high, and wages are not keeping up with the cost of living. Higher interest rates are also making homes, cars and other big-ticket items more expensive and inaccessible.

And that makes the idea of entering the job market all the more terrifying.

Older generations who have already lived through recessions may be more prepared. Millennials, those born roughly between 1981 and 1996, are feeling some déjà vu. Many in this cohort entered the job market just as the Great Recession was taking place, and the years that followed altered the course of their career and financial trajectory in major ways. 

I caught up with five millennials who completed their undergraduate studies between late 2007 and 2009 and managed to navigate the last economic downturn. I wanted to learn how they were impacted, from layoffs and tightening budgets to career pivots, and what skills they developed that were most important for staying afloat. Each had a unique experience that affected their approach to finances today. Now, as they reflect on that time, they see the hard-won lessons and share their best advice with the next generation. 

What stood out was the power of investing for the future, such as taking advantage of employee-match programs and routinely contributing to 401(k)s and Roth IRAs. The millennials I spoke with all encouraged Gen Zers to invest early in their careers. And they each had more nuggets of wisdom to hand down to us -- including how to make the most of the first few years out of college, how to talk money with employers, discuss finances with partners and build successful careers in unexpected ways. 

Here's what they shared via email. 

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Embrace career uncertainty and be flexible 

Katie Oelker, St. Paul, Minnesota

Katie Oelker worked in the auditing department of a bank after college while living with her parents, mainly to build some savings and pay off private student loans. That ultimately allowed her to afford going back to school to get her master's in education. 

Since Oelker didn't want to have a career in banking or auditing, she always took advantage of different learning opportunities, like training sessions or conferences, that were offered through her job. "If you don't like what you're doing post-graduation or even if you do, there are always educational opportunities to pursue that can help you further your career down the line," she told me by email. 

That career-building focus came in handy when she decided to pivot once again, this time to become a certified Business Education instructor. After teaching courses ranging from personal finance to marketing at two different high schools, she now runs her own business as a freelance writer and money coach. Having flexibility in her vision allowed her to navigate the recessionary job market and explore new industries.

"I've never been afraid to open new doors and try new things when it comes to career and educational opportunities, and it has paid off," she said. 

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Talk about money with your partner, even if it's hard

Jared and Katie Pogue, Atlanta, Georgia

Before getting married, Jared and Katie Pogue learned that they needed to find productive ways to talk about money, especially how to afford building a family. The two had radically different outlooks on financial planning, which caused anxiety. Katie said she had many long-term goals, while Jared described his approach as "ignorant optimism."

They developed a routine to talk about money. They set a time limit for one day a week and slowly worked through their finances. They were eventually able to align their goals, which helped them make big financial decisions, including how to finance a house, when to have children and if they should go back to school. They came up with a division of labor, with Jared taking care of the daily and monthly payments, and Katie overseeing more long-term planning. Neither one could do their part alone.

"Once we started making tangible progress and got on the same page, our financial conversations were much more fruitful," said Jared. 

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Negotiate for more, despite your doubts

Sara Gifford, Hyattsville, Maryland

Sara Gifford's first full-time job out of college wasn't her ideal choice. But with the tightening labor market, she felt compelled to accept an offer from the company she had interned with. 

"I settled for a job where I was expected to work 60-plus hours a week for laughably low pay, and I didn't negotiate my salary or benefits because I felt the employer held all the power," she said. Accepting such low compensation at her first job made it harder to move her salary benchmark forward in future negotiations.

Though recessions put more pressure on workers to avoid asking for higher pay, Gifford said that shouldn't discourage you from negotiating other benefits, such as commuting stipends, paid vacation and flexible or remote working hours. If the employer's not agreeable to any perks, it might be a sign to keep looking. "If the company pulls the offer, that's such a red flag."

Though she regrets not asking for better pay, she's proud that she took advantage of opportunities to network and learn new skills. It all came in handy when she decided to leave and build her career. Today Gifford runs her own marketing strategy company.

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Identify your money priorities 

Adam Eisenberg, Huntington Woods, Michigan

Adam Eisenberg is still working at the company that offered him his first job in sales logistics. After college, he got his money goals in order, which for him meant immediately prioritizing payments toward his student loans -- instead of moving out of his parents' house. 

"I put my commission checks toward paying off my debt. It took four years to do it, and the first three I was living at my parents house, but it was worth it." While everyone's priorities are different, identifying them early on can help you better decide where your money should go.

In fact, Eisenberg originally had a second job offer he was considering, and took a similar approach when comparing his options -- he prioritized what mattered most to him. A higher commission rate, he decided, would ultimately be more beneficial for him, even if the base salary was lower. Another appealing component was the company's potential for growth. 

Eisenberg said that those entering the job market should expand beyond their normal job research to "make sure the foundation is there for future success." 

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Budgets can be your calm in the storm

Jonathan Schrull, Indianapolis, Indiana

At the end of 2008, Jonathan Schrull was laid off from his second job after graduating. He was unemployed for six months before securing a new job and felt as though he had to put off beginning his long-term career and delay savings and investing. That, according to him, cost "a lot of money in the long run." 

Looking back, he found that maintaining a budget helped alleviate some of the stress. "Seeing the figures in front of me made the situation more tangible and easy to understand," he said. Having a way to track his spending, even without any income, helped him find new opportunities to reduce his expenses. Looking at his whole financial picture, not just income, was important, because "the numbers don't lie."

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20 spooky games for Halloween on Apple Arcade

20 spooky games for Halloween on Apple Arcade

Halloween is almost here, and spooky mysteries with a dash of suspense are a satisfying October staple. Apple Arcade -- Apple's $5 per month mobile gaming subscription -- has almost 220 games in its catalog, including plenty of spooky titles. 

We picked out 20 games that are perfect for getting into the spooky season spirit. Here's what to play: 

Bleak Sword

Developer: Devolver Digital

Bleak Sword on Apple Arcade. 

Screenshot/Devolver

Bleak Sword is a dark retro fantasy action game full of evil creatures you must slay in order to break a legendary curse. Dodge, roll and parry against randomly generated enemies across nine chapters of swaps, forests and castles.

The Bradwell Conspiracy

Developer: Bossa Studios and A Brave Plan

Bossa Studios

The Bradwell Conspiracy is a narrative-driven first-person game where you have to uncover the truth behind the explosion that destroyed the Bradwell Electronics facility. At the start of the game, you wake up in the rubble with only a computerized voice in your "smart glasses" to guide you. The glasses guide eventually connects you to another person trapped inside the facility, and you must try to escape together. 

Castlevania: Grimoire of Souls

Developer: Konami Digital Entertainment 

Castlevania: Grimoire of Souls on Apple Arcade

Apple

Dracula is quintessentially Halloween. Castlevania: Grimoire of Souls is a side-scroller action game that features a number of characters from the original gothic fantasy series and its creators, Ayami Kojima and Michiru Yamane. The game is set after Dracula has been sealed away, and you can play as Alucard, Charlotte, Maria, Simon Belmont and more as you battle your way through Dracula's army.

Cozy Grove

Developer: Spry Fox

Cozy Grove on Apple Arcade.

Apple

Cozy Grove is like a haunted version of Animal Crossing , and it's adorable. In the game, you're a Spirit Scout tasked with bringing peace to the adorably haunted island of Cozy Grove. Explore the island, collect resources and craft items to survive, tend your fire -- Flamey -- and try to help the lost forest ghosts. The more you help, the more the island heals -- the environment becomes colorized and flowers grow.

Creaks

Developer: Amanita Design

Creaks on Apple Arcade.

Apple

Creaks is an intricate puzzle platformer game that seeks to solve the mystery of what exactly goes bump in the night. In the game, you're spending a quiet evening in your room when the light starts flickering and the ground trembles. The wallpaper pulls back to reveal a secret door, and someone, or something, is making noise in there. Grab your flashlight and explore a mysterious subterranean world of bird people. Lurking in the shadows are deadly, shape-shifting monsters. But don't worry -- when you shine a light on them, they transform into harmless furniture.

Don't Starve: Pocket Edition

Developer: Klei

Don't Starve: Pocket Edition on Apple Arcade

Screenshot by CNET

Don't Starve: Pocket Edition puts you in the role of Wilson, a scientist, transported to a mysterious, unexplored wilderness full of unidentified creatures, dangers and surprises. You must help Wilson fight off enemies, research, navigate the environment, craft resources, gather items, solve the mystery of the strange land and ultimately survive. 

The Get Out Kids

Developer: Frosty Pop

The Get Out Kids on Apple Arcade.

Screenshot by CNET

The Get Out Kids mixes mystery with nostalgia, taking players back to 1984. Molly, Salim and Molly's dog Moses sneak out one night to catch a late showing of the Ghostblasters movie at the local drive-in. Along the way, they have to navigate creepy woods and sneak past the surly cemetery groundskeeper. When Moses goes missing suddenly and suspiciously, Molly and Salim begin an adventure to find out what happened to their canine friend. This narrative-driven game includes puzzles, hidden object searches and more. 

Hitchhiker

Developer: Versus Evil and Mad About Pandas

Hitchhiker on Apple Arcade. 

Hitchhiker/Screenshot by Shelby Brown/CNET

Hitchhiker is a mystery game where you play as a hitchhiker with no memory of your past or destination. By catching rides with five strangers across a landscape of rolling hills, you must try and figure out who you are as well as find a mysterious missing friend. Everyone has a story to tell, but not everything is what it seems. Search the vehicles for clues and choose your words carefully to bring hidden parts of your identity to light -- and prepare for the dangers ahead. The longer you're on the road, the more your grasp on reality loosens.

Inmost

Developer: Hidden Layer Games and Chucklefish Games

Inmost on Apple Arcade. 

Hidden Layer Games

Inmost, a hidden-object platformer, immediately drops players into a creepy world inside a mysterious house. You'll play as multiple characters whose storylines are more connected than they might seem at first. Navigate a strange castle and dodge menacing shadows on your path to find answers.

Jenny LeClue

Developer: Joe Russ and Ben Tillet

Jenny LeClue on Apple Arcade.

Jenny LeClue/Twitter

Jenny LeClue envelops players in a mystery-adventure-thriller narrative, guided by choices you make. The game is set in the seemingly idyllic town of Arthurton, where you play as Jenny, a kid sleuth who is eager to prove her worth as a detective. When your mother is accused of murder, you set out to prove the truth. As you seek out answers, you quickly realize that nothing and no one in Arthurton are what they seem. 

Layton's Mystery Journey

Developer: Level 5

Layton's Mystery Journey on Apple Arcade. 

Apple/Screenshot by CNET

Layton's Mystery Journey sets up a Sherlock Holmes meets Studio Ghibli environment to tell the story of Katrielle Layton -- a young detective out to unravel the mystery of her father's disappearance. Visit the crime scene, investigate with your magnifying glass, interview witnesses and suspects, collect clues and solve puzzles to crack the case. The puzzles in the game start off simple, and you can use coins to get clues if you get stuck. The more difficult a puzzle is, the higher its coin value. Earning coins also grants you access to end-game bonuses that help you solve your case. 

Murder Mystery Machine

Developer: Blazing Griffin

Murder Mystery Machine on Apple Arcade. 

Apple Arcade

In Murder Mystery Machine, you're a detective out to prove yourself when a murder case comes across your desk. Explore the crime scene, collect evidence, interview suspects and make deductions to solve the case. You can get hints from your partner if you get stuck, but he's a bit surly. The game releases mysteries in episodes, and the first one is about a murdered politician. Fans of detective procedurals like Law & Order might like this game.

Necrobarista

Developer: Route 59

Necrobarista on Apple Arcade.

Apple/Screenshot by Shelby Brown/CNET

Anime-style supernatural game Necrobarista tells the story of Maddy Xiao -- a barista and amateur necromancer -- is the new owner of the Terminal, a coffee shop that welcomes the dead to walk among the living for one night. Under the tutelage of coffee expert and necromancer Chay Wu, Maddy must navigate the Council of Death's rules, the ethics of life and death, and what it means to let go. 

Neo Cab

Developer: Chance Agency

Neo Cab on Apple Arcade.

Apple/Screenshot by Shelby Brown/CNET

Neo Cab is a survival game for the digital age embroiled in a mystery. You play as Lina, the last human taxi driver in a world overcome by automation. When you move to Los Ojos to reconnect with your best friend, Savy, she vanishes. With no other options, you must keep taking passengers to earn money and get information about Savy's disappearance. This becomes increasingly difficult as you progress. Keep an eye on your Feelgrid bracelet to stay in tune with your emotions and ultimately remain human in this tech-noir game. 

Neversong

Developer: Serenity Forge

Neversong on Apple Arcade.

Apple/Screenshot by Shelby Brown/CNET

Neversong is a side-scroller style puzzle game where you play as young Peet, who, upon waking from a coma, finds himself in a nightmare. With his girlfriend nowhere to be found, Peet must navigate the frightening halls of Blackfork Asylum and try to understand the sometimes-violent behavior of adults. The more he explores, the more the secrets of his past unfurl. Neversong has six levels to explore, including Red Wind Field and Blackfork Asylum, which are all packed with bosses to defeat. Armed with a baseball bat, his childhood friends and his pet bird, Peet will set out to learn the truth about his coma.

Nuts

Developer: Noodlecake 

Nuts on Apple Arcade.

Apple

Nuts is a surveillance mystery game that's lightheartedly reminiscent of Firewatch. The squirrel population in Melmoth Forest is acting suspiciously and it's up to you, as a field researcher, to get to the bottom of it. Pack up your map, cameras, motion sensors, thermal imaging tech and GPS for the weirdest surveillance mission ever. Along the way, you'll be tasked with missions: Placing cameras, observing footage, tracking the squirrels' movements and more. The whole time, you're in communication with Professor Nina Scholz. With all that gear, plus your logic and wit, will you be able to uncover a bigger conspiracy?

The Room Two

Developer: Fireproof Games

The Room Two on Apple Arcade

Screenshot by CNET

The Room Two is a gorgeous 3D mystery puzzle game. You must follow a trail of letters left behind by a mysterious scientist with the initials A.S. The game is intricate and requires a tactile approach to solving in-depth, multistep puzzles.

Survival Z

Developer: Ember Entertainment

Survival Z on Apple Arcade.

Apple

Survival Z is a fun tower-defense-style strategy game that drops you into a world crippled by a zombie outbreak. You play as Megan, a loner mechanic who's savvy with a crossbow. When she meets Marcus, another survivor with intel on a diner potentially stocked with supplies, the pair head off on a journey, salvaging and upgrading equipment and battling waves of zombies along the way. 

Tangle Tower

Developer: SFB Games

Tangle Tower on Apple Arcade.

Apple Arcade

In this clever, colorful game, Detective Grimoire and his sardonic partner Sally are on the hunt for the murderer of Freya Fellow in the mysterious Tangle Tower. The clues come pouring in long before you cross the first threshold to find out that the prime suspect is a painting. Investigate, explore, gather evidence, question suspects and solve puzzles to discover the truth. 

World's End Club

Developer: IzanagiGames

World's End Club on Apple Arcade

Apple

World's End Club  is perhaps the darkest game on Apple Arcade so far. In the game, a busload of ragtag students known as the Go-Getters Club are on a field trip when a mysterious meteor causes the bus to crash. The kids awaken in a creepy theme park under the sea called World's End Land, and try to regroup. Suddenly, a floating harlequin named Pielope appears, and commands them to play a Game of Fate. As the stakes get higher, friendships are put to the test. Pielope's psychotic game sends the Go-Getter's Club on a dangerous adventure. 

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