The strategic generation? Gen Z is shunning impulse spending in favor of long-term goals.

A new nationwide survey of 2,000 Gen Z Americans revealed one in three (33%) identify as planners who budget, track spending and plan ahead, while one in four (25%) call themselves value-seekers who research and compare before making purchases.

That’s compared to just one in eight (12%) who rated themselves primarily as spontaneous purchasers, buying what they want when they want.

Contrary to stereotypes that paint Gen Z as frivolous spenders, the data revealed a generation that’s thoughtful, intentional and grounded in practicality. Conducted by Talker Research on behalf of Affirm, the survey found that today’s young adults are focused on building financial stability.

Nearly two-thirds (64%)

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