Bangkok: Over the years, the start of the new year has often been accompanied by similar financial advice: be mindful of spending, reduce extravagance, and accelerate savings. While this advice is well-intentioned, for many Gen Z, especially first-jobbers or those just beginning to earn a living, the first question they face isn't "how to save money," but rather "where will the money come from?"

According to Thai News Agency, the financial context in which Gen Z is growing up is distinctly different from previous generations. The cost of living is rising faster than income, while expectations for financial security are being accelerated. A 2025 report by Deloitte and Ernst and Young (EY) identifies the cost of living and financial security as top concerns for this generation. This phenomenon is defined as the Financial Anxiety Generation, referring to those still in the process of establishing their lives but facing financial challenges at the same level as those who are already financially secure. In this context, traditional financial advice may no longer be sufficient. KTC has compiled three financial frameworks that Gen Z cannot overlook to avoid decisions that may create long-term burdens.

For Gen Z, money doesn't just mean a bank balance; it's about "time" for financial growth. Those starting their careers between the ages of 22 and 25, while not yet having a lump sum of money, have the advantage of a longer investment horizon. If they begin saving and investing consistently, even small amounts today can grow into a substantial sum in the future. Therefore, the meaning of "money is time" isn't about having more, but about starting earlier.

The root cause of financial anxiety isn't starting late, but rather rushing into commitments that are difficult to escape, especially fixed expenses exceeding 40-50% of income from the start of one's working life. Whether it's housing, a car, or long-term mortgage payments, this can limit room for adjustment when income is unstable. Flexibility is therefore a crucial resource, just as important as having sufficient cash.

For those starting out, a 6-9 month savings plan might seem like a distant goal, but having at least 30-60 days without having to make decisions under financial pressure is a starting point for achieving financial security. This period could come from reducing fixed expenses or generating short-term supplemental income. With more time, financial decisions will shift from "I have to choose now" to "Let me think about it first."

The Financial Anxiety Generation doesn't reflect a lack of financial management skills among young people, but rather that financial regulations are changing faster than the ability of those just starting their careers to adapt. In a world where the cost of living is high and uncertainty is commonplace, understanding the relationship between money, time, and decision-making is just as crucial as the actual amount of money one has, and may be Gen Z's most significant financial advantage in the long run.