Questions about young consumers’ financial outlooks are frequent these days, as their grasp on the economy is conflicting in every headline. Are they optimistic and spending? Are they totally hopeless with no savings? YPulse research shows that these generations’ financial reality is a mixed bag: Gen Z adults are more likely to be financially independent than Millennials were at their age, but they’re less likely to have any savings. And worries about debt, paying their bills on just one income, and inflation (which they don’t feel is improving) are all creating shifts in their spending. (But they’re still making room in their budgets for a little treat.)
YPulse’s 2025 Finance / Spending Monitor report delves into how young consumers are managing their money, what their financial priorities are right now, and what they’ll continue to indulge on regardless of budget.
Report length: 21 pages, North America report is based on surveys of 1500 13-39-year-olds in the U.S. and Canada, fielded February 2025. 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 2025
