Rethinking Money: Why a New Financial Playbook Is Emerging for Young Americans
Financial Literacy Month Survey Findings Summary
A new survey of 2,000 Gen Z and Millennial adults — conducted in partnership between Beyond Finance and Operation HOPE — makes one thing clear: the desire for financial success hasn’t gone anywhere. But the path to get there is more broken than ever. 7 in 10 say wealth-building opportunities are becoming less achievable, and for millions of young Americans, long-term planning has been replaced by day-to-day survival.
The American Dream Is Still Alive, Just Harder to Reach
A growing share of Gen Z adults and Millennials feel the financial system is working against them, not for them. Over half say their generation was set up for financial failure (57%), and 68% believe they’ve been financially set back compared to previous generations. Yet the cornerstone of the dream itself hasn’t shifted — homeownership is still the #1 marker of financial success, with nearly half ranking it first. The desire for stability is there. The system to support it isn’t.
That’s Where We Come In.
Beyond Finance and Operation HOPE are constantly working to meet each generation where they are. We are proud to have offerings that redefine the financial literacy space, addressing the new rules, new playbooks, and the constantly-shifting economic environment. To examine your money mindset further, explore a free tips guide from Beyond Finance and then take Operation HOPE’s quizzes, AI video training, and micro-courses.
