How Gen Z is Shaping Money and Finance

Gen Z (born 1997–2012) grew up in recessions, pandemics, rising costs. They approach money different — smarter in many ways.

1. Prioritise Financial Security  

Saw parents struggle with debt/job loss. Value emergency funds, side hustles, multiple streams.

2. Invest Early  

Start with apps like Robinhood or Acorns. Index funds or crypto common — even small amounts.

3. Debt Aversion Strong  

Avoid credit cards or carry minimal. Student loans burden — seek scholarships, trades over expensive college.

4. Side Hustles Normal  

Gig apps, freelancing, content creation standard. Multiple incomes essential, not optional.

5. Digital Natives  

Budgeting (YNAB), investing (Wealthfront), crypto (Coinbase) via apps. TikTok/YouTube teach finance fast.

6. Sustainability Matters  

Prefer ethical/ESG investing. Companies with social responsibility win their money.

7. Open About Money  

Talk debt, salaries, investments on social. Reduces stigma around struggles.

8. Challenges Real  

High housing, stagnant wages, inflation. Many live with parents longer, delay milestones.

9. Influence Growing  

Early investing, multiple incomes, digital tools becoming mainstream.

10. Prove New Paths Work  

Financial success without traditional routes. Discipline, education, adaptability enough.