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Personal Finance and Services Report

Download the full report for further insights

Questions about young consumers’ financial outlooks are frequent these days, as brands try to get a grasp on the economy. YPulse’s research shows that there are clear upward trajectories when it comes to these generations’ finances: Gen Z and Millennials’ employment status has surpassed its pre-pandemic numbers, and they’re more likely to be financially independent than ever before. But despite this positive momentum, young people are more worried about finances compared to last year. Stress about debt, immediate financial priorities, and the potential recession are all creating shifts in their spending.

This year’s Personal Finance and Services report explores not only how young people feel about money but how those feelings, thoughts, and behaviors have changed over the past two years—and their views on the recession.

Download the full report for insights on: 

  • Year over year data on Gen Z and Millennials’ employment status and how their feelings about money
  • What young consumers consider to be financially stable, and if they are independent of their parents
  • Their thoughts on a recession, and if we went into recession, what they would be willing to cut back on

Report length: 16 pages

North America report is based on a survey of 1500 13-39-year-olds in the U.S. and Canada, fielded in August 2022 

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 August 2022

Additional survey content for Pro users: What they turn to for financial advice, if they have a budget that they stick to, and how debt has impacted their lives and relationships. 

Recent years' reports on this topic

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North America
Western Europe