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Z世代:最注重物质享乐的一代人

Z世代:最注重物质享乐的一代人

Chloe Berger 2022-09-18
在物质享乐的激励下,Z世代比其他任何一代人都更能在财务上取得成功。

图片来源:XAVIER LORENZO—GETTY IMAGES

在麦当娜经典歌曲的世代重复乐段中,“我们生活在物质至上的世界中,而Z世代是物质女孩的典型代表。”

美国银行(Bank of America)最新发布的《更好的金钱习惯》(Better Money Habits)报告对1,000多名成年人进行了调查,结果显示,在轻松购买物质商品的欲望驱使下,45%的Z世代在财务上取得成功。Z世代是最有可能在欲望驱使下这样做的一代人——只有34%的千禧一代和30%的X世代和婴儿潮一代会在欲望驱使下这样做。

梦想能够拥有一辆豪华跑车或名牌手袋是20多岁年轻人理想主义人生阶段的象征,在这个阶段,身无分文的年轻人设想着未来的富裕生活。但这也是Z世代在当今经济环境下苦苦挣扎的一个标志——在负担房租和食物等生活必需品已经如此艰难的情况下,未来有一天,有足够的可支配收入购买奢侈品就像白日梦一样。

由于Z世代中年龄最大的人刚刚开始职业生涯,许多人的薪水只是入门级。大多数仍然在上学的人可能根本没有薪水。这意味着创纪录的高通胀对这一代人的打击要比那些储蓄多年的老年人更大。

大多数Z世代(73%)告诉美国银行,当前的经济环境给储蓄带来了挑战,许多人认为当前的经济环境和通货膨胀是财务压力的主要来源。超过一半的Z世代(59%)表示,通货膨胀使他们更难为未来的财务里程碑储蓄。住房和租金成本飙升是痛点之一,40%的人称这削弱了他们支付日常必需品的能力。

43%的人认为通货膨胀使偿还债务变得更加困难。几乎一半的Z世代都有债务,这让他们很难为投资、创建应急基金或为退休储蓄等长期目标做准备。他们非常想还清债务,根据报告,他们表示可以一年不吃比萨和巧克力,或者一个月不玩手机。

相反,他们在面对经济挑战时更加务实:四分之三的人在做兼职赚外快,超过三分之一的人在考虑转行,以应对财务问题。这解释了为什么Z世代的跳槽率远高于其他世代,而他们跳槽最主要的动机是追求更高的薪水。

但不仅仅是购买奢侈品的梦想助长了他们对金钱的追求。根据美国银行的报告,四分之三的Z世代只想获得“财务安全感”。

他们决心实现自己的财务目标:三分之二的人积极为未来储蓄,58%的人对财务状况感到乐观。也许有朝一日,他们能够犒劳自己,给自己买一套房,或者与此同时,穿上从旧货店买来的婴儿T恤度过难关。(财富中文网)

译者:中慧言-王芳

在麦当娜经典歌曲的世代重复乐段中,“我们生活在物质至上的世界中,而Z世代是物质女孩的典型代表。”

美国银行(Bank of America)最新发布的《更好的金钱习惯》(Better Money Habits)报告对1,000多名成年人进行了调查,结果显示,在轻松购买物质商品的欲望驱使下,45%的Z世代在财务上取得成功。Z世代是最有可能在欲望驱使下这样做的一代人——只有34%的千禧一代和30%的X世代和婴儿潮一代会在欲望驱使下这样做。

梦想能够拥有一辆豪华跑车或名牌手袋是20多岁年轻人理想主义人生阶段的象征,在这个阶段,身无分文的年轻人设想着未来的富裕生活。但这也是Z世代在当今经济环境下苦苦挣扎的一个标志——在负担房租和食物等生活必需品已经如此艰难的情况下,未来有一天,有足够的可支配收入购买奢侈品就像白日梦一样。

由于Z世代中年龄最大的人刚刚开始职业生涯,许多人的薪水只是入门级。大多数仍然在上学的人可能根本没有薪水。这意味着创纪录的高通胀对这一代人的打击要比那些储蓄多年的老年人更大。

大多数Z世代(73%)告诉美国银行,当前的经济环境给储蓄带来了挑战,许多人认为当前的经济环境和通货膨胀是财务压力的主要来源。超过一半的Z世代(59%)表示,通货膨胀使他们更难为未来的财务里程碑储蓄。住房和租金成本飙升是痛点之一,40%的人称这削弱了他们支付日常必需品的能力。

43%的人认为通货膨胀使偿还债务变得更加困难。几乎一半的Z世代都有债务,这让他们很难为投资、创建应急基金或为退休储蓄等长期目标做准备。他们非常想还清债务,根据报告,他们表示可以一年不吃比萨和巧克力,或者一个月不玩手机。

相反,他们在面对经济挑战时更加务实:四分之三的人在做兼职赚外快,超过三分之一的人在考虑转行,以应对财务问题。这解释了为什么Z世代的跳槽率远高于其他世代,而他们跳槽最主要的动机是追求更高的薪水。

但不仅仅是购买奢侈品的梦想助长了他们对金钱的追求。根据美国银行的报告,四分之三的Z世代只想获得“财务安全感”。

他们决心实现自己的财务目标:三分之二的人积极为未来储蓄,58%的人对财务状况感到乐观。也许有朝一日,他们能够犒劳自己,给自己买一套房,或者与此同时,穿上从旧货店买来的婴儿T恤度过难关。(财富中文网)

译者:中慧言-王芳

In a generational riff on a Madonna classic, “We are living in a material world, and Gen Z is a material girl.”

The desire to easily afford material goods is driving 45% of the generation to achieve financial success, according to Bank of America’s new Better Money Habits report that surveyed over 1,000 adults. They’re the generation most likely to feel this way—only 34% of millennials and 30% of Gen X and boomers each feel similarly.

Dreaming of being able to own a fancy sports car or designer handbag is partly emblematic of the idealistic twentysomething life stage, in which typically broke young adults envision a future rich life. But it’s also a sign of how much Gen Z is struggling in today’s economy—when affording the necessities of life like rent and food is already so out of reach, being able to one day have enough discretionary income to buy the wants of life seems like a pipe dream.

With the eldest of Gen Z just beginning their careers, many are on entry-level salaries. Most, still in school, are likely earning no salary at all. It means that record-high inflation has hit the generation harder than older individuals who have been saving for years.

The majority of Gen Zers (73%) told Bank of America that the economic environment has made it challenging to save, with many citing the economy and inflation as a top financial stressor. More than half of Gen Zers (59%) said that inflation made it more difficult to save for future financial milestones. The soaring cost of housing and rent is a particular pain point, with 40% saying it’s dampened their ability to afford day-to-day necessities.

And 43% said inflation made paying down debt harder. Almost half of the generation has debt, making it a struggle to prepare for long-term goals such as investing, creating an emergency fund, or saving for retirement. They want to pay it off so badly that, per the report, they would give up pizza and chocolate for a year or their cell phone for a month.

Instead, they’re being more practical about their economic challenges: Three-fourths are taking on side gigs to earn extra cash and more than one-third are considering changing careers in order to manage their financial worries. It explains why Gen Z is job-hopping at much higher rates than other generations, with a better salary the top motivator.

But it’s not just dreams of being able to buy luxury goods fueling their quest for money. Three-quarters of Gen Zers just want to achieve “financial peace of mind,” per the Bank of America report.

They’re determined to reach their financial goals: Two-thirds are actively saving for the future, and 58% are feeling financially optimistic. Maybe one day they’ll be able to treat themselves to a house or, in the meantime, tide themselves over with thrifted baby tees.

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