Ms. Sacks, on the other hand, has never worked in finance. In fact, despite growing up in an environment where she might have learned, until two years ago, she didn’t even know the difference between a traditional retirement account and a Roth.

She grew up on the Upper East Side of Manhattan; her father worked at Goldman Sachs. But wealth management, as she saw it, was the domain of men. “I’ve always been creative and had a big sense of humor,” she said in a recent phone interview, “and those aren’t qualities you think of when you think of an ideal worker at an investment bank.”

After graduating from Wesleyan in 2013, Ms. Sacks worked as a page for the “Late Show,” worked the front desk at the fitness studio SLT and nannied. She was living month to month with nearly no savings.

Then, in 2017, she was accepted to a residency at Above Average Productions, the digital content arm of Lorne Michaels’s production company. The job would pay her an annual salary of $43,000 plus benefits, like a 401(k).

All of a sudden, Ms. Sacks said, “I was being faced with the financial decisions of a full-time employee,” like how much federal income tax she’d like to have withheld from her paycheck and whether she would be interested in putting some of her money in a growth account.