Primary Research: Interviews
Over the course of two weeks, I conducted one-hour interviews with twelve Gen Z (between 18 and 26 years old) participants to better understand how they handle money and the stress that comes with it. I recruited through close contacts, creating a balanced mix: three college women, three women out of college, three college men, and three men out of college. Each conversation focused on how they manage finances, who they turn to for advice, how money affects their daily lives and gambling.
Several patterns emerged from the interviews. Most participants rely heavily on their families for financial guidance, showing that parental advice continues to shape habits into young adulthood. Many track spending informally, often by reviewing bank statements or keeping it in memory rather than using structured tools. While participants feel somewhat comfortable managing daily expenses, nearly all described stress and anxiety around money, particularly related to long-term goals, debt, or unexpected costs.
These findings suggest that Gen Z could benefit from tools that simplify financial management, increase transparency, and reduce stress. Solutions that promote regular tracking, offer guidance, and build confidence may help them feel more in control while gradually gaining independence.
Interview Guide:
