Financial Futures of Gen Z

01

Financial

Futures

of Gen Z

02

03

04

Socioeconomic Precarity

01

Financial

Futures

of Gen Z

02

03

04

Socioeconomic Precarity

1

Cross-generational Welfare Decline and Weakening Purchasing Power

Gen Z faces significant economic pressures, marked by declining purchasing power, inflation in basic necessities and assets, and the potential to be the first generation whose level of well-being is not better than that of their parents' generation.

Show Signals

1

Cross-generational Welfare Decline and Weakening Purchasing Power

Gen Z faces significant economic pressures, marked by declining purchasing power, inflation in basic necessities and assets, and the potential to be the first generation whose level of well-being is not better than that of their parents' generation.

Show Signals

2

Structural Inequality and the Crisis of Trust in the System

Uncertainty also stems from structural inequalities in access to infrastructure, education, and justice. There's a strong perception that the existing system—from laws and regulations to education—doesn't favor the broader community, eroding trust and widening the gap between the rich and the poor.

Show Signals

2

Structural Inequality and the Crisis of Trust in the System

Uncertainty also stems from structural inequalities in access to infrastructure, education, and justice. There's a strong perception that the existing system—from laws and regulations to education—doesn't favor the broader community, eroding trust and widening the gap between the rich and the poor.

Show Signals

3

Shifting Aspirations from Asset Ownership to Experiences and Mental Well-Being

In response to economic uncertainty and the difficulty of owning assets, Gen Z has shifted their priorities. They now value short-term experiences (like concerts and travel) and mental health over long-term asset ownership (like homes and cars). Instant gratification, even if funded by debt, has become a crucial coping mechanism.

Show Signals

3

Shifting Aspirations from Asset Ownership to Experiences and Mental Well-Being

In response to economic uncertainty and the difficulty of owning assets, Gen Z has shifted their priorities. They now value short-term experiences (like concerts and travel) and mental health over long-term asset ownership (like homes and cars). Instant gratification, even if funded by debt, has become a crucial coping mechanism.

Show Signals

4

Debt Normalization and Shifting Financial Behavior

Economic pressures are changing the way Gen Z manages their finances. Debt, especially consumer debt through digital means such as Buy Now Pay Later platforms, has become commonplace for survival, seeking pleasure, and even maintaining mental health. As a result, the concept of saving has been eroded and replaced by digging deep into the debt cycle.

Show Signals

4

Debt Normalization and Shifting Financial Behavior

Economic pressures are changing the way Gen Z manages their finances. Debt, especially consumer debt through digital means such as Buy Now Pay Later platforms, has become commonplace for survival, seeking pleasure, and even maintaining mental health. As a result, the concept of saving has been eroded and replaced by digging deep into the debt cycle.

Show Signals

5

The Dominance of Non-Standard Work and the Loss of Safety Nets

The employment landscape is shifting fundamentally toward uncertainty. "Partner" status and gig work are becoming dominant, eliminating social security benefits like insurance. At the same time, automation and AI are increasingly threatening junior-level positions, exacerbating career uncertainty.

Show Signals

5

The Dominance of Non-Standard Work and the Loss of Safety Nets

The employment landscape is shifting fundamentally toward uncertainty. "Partner" status and gig work are becoming dominant, eliminating social security benefits like insurance. At the same time, automation and AI are increasingly threatening junior-level positions, exacerbating career uncertainty.

Show Signals

6

The Emergence of a New 'Life Tax': Shifting Risk from the State to the Individual

People now face an new costs for survival that needs to be paid out of their own pockets. These costs include protection from digital and environmental threats, as well as the costs of continually upgrading skills to stay relevant—risks previously borne by governments or corporations.

Show Signals

6

The Emergence of a New 'Life Tax': Shifting Risk from the State to the Individual

People now face an new costs for survival that needs to be paid out of their own pockets. These costs include protection from digital and environmental threats, as well as the costs of continually upgrading skills to stay relevant—risks previously borne by governments or corporations.

Show Signals