{"id":376926,"date":"2025-11-14T10:18:40","date_gmt":"2025-11-14T03:18:40","guid":{"rendered":"https:\/\/unair.ac.id\/secure-wallet-for-peaceful-life-how-gen-z-manages-their-money\/"},"modified":"2025-12-24T09:12:56","modified_gmt":"2025-12-24T02:12:56","slug":"secure-wallet-for-peaceful-life-how-gen-z-manages-their-money","status":"publish","type":"post","link":"https:\/\/unair.ac.id\/en\/secure-wallet-for-peaceful-life-how-gen-z-manages-their-money\/","title":{"rendered":"Secure wallet for peaceful life: How Gen Z manages their money"},"content":{"rendered":"\n<p>UNAIR NEWS &#8211; Gen Z is navigating a wave of challenges fueled by rapid advancements in financial technology. Limited financial literacy among young people increases their vulnerability to poor financial decisions.<\/p>\n\n<p><strong>Financial challenges facing Gen Z<\/strong><\/p>\n\n<p>Many members of Gen Z lack strong financial knowledge, engage in doom spending, fall victim to illegal investments and predatory online loans, adopt overly consumerist lifestyles, and struggle with the allure of instant gratification.<\/p>\n\n<p><strong>Why financial planning matters<\/strong><\/p>\n\n<p>Financial planning plays a critical role in maintaining financial stability. It helps improve financial understanding and awareness, set priorities and long-term goals, prevent common financial missteps, and keep cash flow organized and manageable.<\/p>\n\n<p><strong>Stages of ideal financial planning<\/strong><\/p>\n\n<p>Reaching optimal financial health involves several key stages based on the hierarchy of financial needs: managing cash flow (covering basic needs like food, housing, and clothing), establishing financial security (building emergency savings and obtaining insurance), accumulating wealth (saving and investing for the long term), achieving financial freedom (planning for retirement and education), and ultimately entering the legacy stage (estate planning and charitable giving).<\/p>\n\n<p>Read also:<br\/><br\/><a href=\"https:\/\/unair.ac.id\/en\/category\/infographics\/\">Other Infographics<\/a><br\/><br\/>FEB collaborates with Mandiri Tunas Finance to strengthen Gen Z\u2019s financial planning knowledge<\/p>\n","protected":false},"excerpt":{"rendered":"<p>UNAIR NEWS &#8211; Gen Z is navigating a wave of challenges fueled by rapid advancements in financial technology. Limited financial literacy among young people increases their vulnerability to poor financial decisions. Financial challenges facing Gen Z Many members of Gen Z lack strong financial knowledge, engage in doom spending, fall victim to illegal investments and [&hellip;]<\/p>\n","protected":false},"author":84,"featured_media":382197,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[54],"tags":[14173,168],"class_list":["post-376926","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-infographics","tag-unair-infographic","tag-universitas-airlangga-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Secure wallet for peaceful life: How Gen Z manages their money - 51动漫 Official Website<\/title>\n<meta name=\"description\" content=\"Gen Z is navigating a wave of challenges fueled by rapid advancements in financial technology. 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