2025年美国Z世代财务健康观察报告_15页_4mb

2025 Better Money Habits® Gen Z Financial Health Summary

Core Content

The 2025 Better Money Habits® report provides an in-depth look at the financial attitudes and behaviors of adult Gen Z (ages 18-28) in the United States. It highlights the challenges this generation faces in managing their finances, despite their forward-thinking approach to financial independence and planning.

Main Financial Challenges

• High Cost of Living: The high cost of living is a top barrier to financial success for Gen Z. Over half (51%) of Gen Z cited it as a major issue, and 35% found their monthly expenses to be higher than expected.
• Financial Stress: A third (33%) of Gen Z reported being financially stressed, with the top causes being economic instability (52%), not making efficient progress toward financial goals (40%), and insufficient income to cover basic needs (36%).
• Housing Costs: Housing is a significant concern, with 28% of Gen Z citing it as a top barrier. About half (50%) do not pay for their own housing, and among those who do, 31% or more of their monthly paycheck goes toward housing expenses.
• Income Shortfalls: Many Gen Z individuals feel they are behind financially compared to their parents. 30% of Gen Z feel they don't make enough money to live the life they want, and 27% believe they will be better off financially than their parents.

Financial Behaviors and Actions

• Budgeting and Saving: Over half (51%) of Gen Z put money toward savings in the last year. However, only 18% save a fixed percentage of their paycheck every month. 36% said they do not have enough emergency savings to cover three months of expenses.
• Debt Management: 24% of Gen Z paid off debt in the last year, and 21% reported not being able to save as a top barrier to financial success.
• Investing: Only 21% of Gen Z invested in the stock market in the past year, up from previous years. 33% said they are not on track to start investing in the next five years, but 38% want to do so.
• Financial Actions in Response to Stress: When stressed, 90% of Gen Z take action, such as checking their account balances, making budgets, and paying bills. However, 33% avoid financial actions, and 30% tend to splurge on non-essential purchases.

Financial Priorities

• Retirement Planning: 43% of Gen Z are not on track to save for retirement in the next five years, but 27% listed it as a top financial priority. Only 19% contribute to a 401(k), and 14% to an IRA or Roth IRA.
• Career Advancement: Advancing in their career or increasing their salary is a top priority for Gen Z, indicating a desire for better financial stability.
• Education: Furthering their education is also a key financial goal, showing the importance of long-term financial planning.

Financial Independence and Support

• Financial Assistance: 45% of Gen Z receive financial support, with 39% coming from parents or family. This is a slight decrease from 2024, indicating a trend toward greater financial independence.
• Non-student Support: Non-students are more likely to receive financial help (27%) than students (33%).
• Use of Funds: Assistance is often used for everyday expenses such as groceries (55%), phone plans (50%), rent/utilities (47%), and health insurance (39%).

Financial Transparency and Social Behavior

• Transparency in Relationships: Gen Z is open and transparent about their financial limits with friends. Two-thirds (67%) are not pressured by friends to spend beyond their means.
• Social Spending: About a quarter (24%) of Gen Z pass on social events to manage expenses. Over half (53%) spend nothing on romantic dates, with 28% spending less than $100 per month.
• Partner Selection Criteria: Financial responsibility, behaviors, and security are key attributes Gen Z looks for in a potential partner. Women place more importance on financial responsibility, behaviors, and knowledge than men.

Methodology

• The survey was conducted online from April 4–25, 2025, by Ipsos.
• It included 1,069 general population adults (18+) and 915 Gen Z adults (18–28).
• The survey was in English and Spanish and used a probability-based panel representative of the adult US population.
• The margin of error for the general population sample is ±3.1 percentage points, and for Gen Z sample is ±3.5 percentage points at the 95% confidence level.
• Data was weighted to match national population benchmarks for gender, age, race/ethnicity, education, region, household income, language proficiency, and Hispanic origin.