Z一代, 或gen z, refers to the demographic born between the mid-to-late 90s to the early 2010s. 这一代人见证了许多重大的历史事件, from the release of the first-ever iPhone to a global recession and a life-threatening pandemic. 在所有这些塑造文化的时刻, the most prominent outcome distinguishing Z一代 from previous generations is the advancement of technology and digital media. 现在, 科技已经融入了学校, 工作场所, 杂货店, and other institutions to stay current with the latest digital trends.    

Even our credit union provides a wealth of financial resources online for people of all ages. 在元素, we want to ensure everyone feels supported no matter where they are in their financial journey. This article explores Gen Z’s financial habits while providing insight into spending, 借款, 以及在数字时代的储蓄.  

z世代如何对待金钱?    

千禧一代的, 也被称为Y世代, witnessed the rise of the Internet era and embraced new social media platforms and online services. 与此形成鲜明对比的是, Z世代将这些工具无缝地融入了他们的日常生活, 创造获得财富的新途径. There are numerous ways to make money online; many have even left their traditional corporate jobs to become their own boss. 根据 三星解决明天的问题, 50%的Z世代渴望成为企业家, 21%的人对人工智能工作感兴趣. 而一些年轻人则全身心地投入到网络事业中, 还有一些人只是为了增加收入而在网上演出. The recent surge in layoffs and inflation has prompted more adults to seek multiple streams of income.    

另外, Gen Z’s heavy use of social media has created an environment that promotes unrealistic lifestyles. There is an abundance of content on these platforms that glorifies owning material things and living a life of luxury, 几乎不知道如何才能负担得起. 随着收入的增加, Gen Z could feel pressured to live up to the social status portrayed online, 哪些会导致不健康的理财习惯.      

你在财务上的成功是我们元素的首要任务. 如果你是Z世代，或者你有Z世代的朋友或家人, consider reviewing the following tips and tools for navigating finances with confidence!    

充填 & 增加你的钱    

There will be countless opportunities to explore, take risks, and learn lessons during your twenties. While prioritizing finances may not be at the top of every Gen Zer’s list, 这一点不应被忽视. It’s possible to secure your financial future while enjoying the present. The key is understanding the potential of saving and investing early on.    

Here are a few special accounts that 元素 offers to help members stow and grow their funds:    

高息支票帐户 

Setting up a checking account that pays you back is a great way to maximize your finances. 拥有高息支票账户, 你可以每月积累利息, 给你额外的钱，只是因为你用了借记卡! 阅读更多关于元素高息支票账户.      

高收益储蓄帐户 

A 高收益储蓄帐户 is an NCUA-insured account that also grows your money over time. These accounts give you more dividends on your money than many other types of accounts  with easy online access to manage your funds. 阅读更多关于元素的高收益储蓄.

存款证明   

证书 typically offer higher returns than most regular savings accounts. 有了这些账户, 你选择术语, 但你必须等到期限结束后才能获得资金. This can help you save for upcoming purchases, such as a new car or a down payment on a home. If you prefer an account that will allow you to predict your savings balance accurately, 这个帐户可能是你的正确选择! 阅读更多关于元素证书的信息.    

不确定你需要什么样的账户? 做一个简单的测试 to determine which 元素 account will help you reach your goals.    

用信用卡借钱 & 贷款    

现在 that we’ve addressed checking and savings accounts, let’s pivot to 借款. 借钱的方式有很多种, 每种选择对你和你的财务状况都有不同的结果. Some people prefer the convenience of using debit cards for purchases, while others opt for credit cards to build credit and enjoy cashback rewards.   

Much like credit cards, loans are another way people can borrow money. 贷款 can help cover larger expenses such as college tuition, a new vehicle, or your first home. Securing a loan is a significant step in a young person's financial journey that comes with responsibility. Although loans can help strengthen your credit score, it’s best to ask for only what you need.  

我如何获得个人贷款?

你可以在当地的金融机构贷款. 考虑以下建议来增加你被批准的机会:     

• Maintain a good credit score by paying down debt and making timely payments.   
• 考虑一个共同签署人加入你的贷款申请.     
• Build a relationship with your local credit union to receive the best rates and fewer fees.    

 对贷款感兴趣? 安排约会 与我们的贷款专家为您找到正确的选择!

Z世代的储蓄策略    

Managing your expenses can become challenging when a single tap on your phone grants access to your credit and debit cards. 消费和储蓄是长期的责任, and it’s essential to have effective methods to achieve your financial goals. The internet is buzzing with dozens of budgeting and saving strategies to keep you on track toward financial success. Here are some of gen z’s favorite ways to save and grow their money:      

桶保存  

储蓄和预算不需要有限制性. When you set goals around what you want, you can save and spend with intention. Consider using savings accounts as multiple "buckets" for different saving goals. 汽车mating transfers to these dedicated accounts can bring you peace of mind and make your financial journey more rewarding.   

50/30/20法则 

The 50/30/20 rule is a simple budgeting formula for allocating income: 50% for needs, 想要的30%, 20%用于储蓄. You can even find personalized videos on social media featuring real people applying this rule to their income.   

信封挑战  

尝试这个简单的挑战，让储蓄变得有趣! Gather 100 envelopes and number each one, then set aside the dollar amount of the envelope. 例如，1美元放在信封1中，2美元放在信封2中，以此类推. After 100 days and 100 filled envelopes, you’ll have more than $5,000 saved. Be sure to deposit the cash you accumulate into your savings account regularly.     

不管你是一代人还是另一代人, our credit union experts are always here to provide trusted advice and guidance. 你想开一个新账户吗? 你对我们的贷款计划有什么问题吗?Contact 利记app官网 for support in all aspects of your financial life.