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- Behavioral
North AmericaWestern Europe
Finance / Spending Monitor Report
Young consumers are navigating a tough financial moment. Many Gen Z and Millennials say they feel financially stressed and are tryin to stretch their budgets, but that doesn’t mean they’re ignoring their finances. From budgeting and cutting back on spending to embracing trends like “soft saving,” young people are finding ways to balance financial responsibility with enjoying their lives now. At the same time, everyday costs are forcing tradeoffs, shaping what they prioritize, where they pull back, and the small indulgences they refuse to give up.
YPulse’s 2026 Finance / Spending Monitor report reveals how young people are thinking about money right now and what brands need to understand about how they’re spending.
Download the full report for further insights
- How Gen Z and Millennials feel about their current financial standing
- How young people feel about saving and spending their money
- What they're cutting back on and the small splurges they can't give up
Report length: 22 pages, North America report is based on surveys of 1500 13-39-year-olds in the U.S. and Canada, fielded Februrary 2026. Western Europe report is based on a survey of 2500 13-39-year-olds in the U.K., Italy, Spain, France, and Germany, fielded in February 2026
Additional survey content for Pro users:
Full list of open end responses, how much money they make, monthly expenses, how they’re using BNPL payments (and how they feel about them), their views on debt, and more.
The Data File also includes data split by the following demographics: Gender & Generation, Age Groups, Academic Status, Race, POC, Country, Urban/Rural Status, LGBTQ+, and Parent.