As the oldest millennials have reached their forties, 这一代人正在买房, 偿还学生贷款, 组建自己的家庭. But while millennials might get some teasing for their "avocado toast" tastes and penchant for convenience, these 30-to-40-year-olds represent a powerful economic force. What are millennials spending their money on now, and what might they do to help increase their assets over the next few decades?
千禧一代在什么地方花钱?
The millennial generation was born between 1981 and 1996 and they already face financial obstacles.1 From graduating just before the Great Recession to taking on unprecedented amounts of student loan debt, millennials have to manage some serious economic issues.
Generally, millennials tend to prioritize convenience, spending more than other generations on:
- 网上购物
- 债务偿还
- 外出就餐
- 流媒体服务
- 具有社会意识的产品和服务
- 经历和旅行
Millennials prize the value of their time and tend to pay more for convenience, from online shopping and Instacart to streaming services, 这可能会让他们的生活更轻松.
What Should Millennials Do With Their Money?
怀着对便利的热爱, there are a few key things that millennials may do now to potentially help make their financial lives easier in the future.
建立坚实的财务基础
Once you 不 living paycheck-to-paycheck, it might be challenging to decide how to allocate extra funds. By creating a list of financial needs and prioritizing them, you may better assess your overall financial situation.
Some of the questions you may want to ask yourself during this process include:
- How would you cover expenses in an emergency?
- Are you taking advantage of any 401(k) match your employer offers?
- Do you have high-interest debt that you should pay down?
- What are your financial 目标 over the next five to 10 years?
It is important to have a source of funds you can use to pay for a sudden vehicle, 回家修理, 或者突发健康事件. It's also a good idea to pay off any high-interest debt you have before you begin investing your excess cash. By taking stock of your overall financial situation, you will be better able to set your 目标.
考虑你的未来
For many millennials, the idea of FIRE (Financial Independence, Retire Early) is appealing. Instead of working well into your 60s or 70s, you may be able to retire early and do all those things you want to do in retirement. Even if you 不 sure the FIRE lifestyle is a good option, planning for an earlier-than-expected retirement may help you if you have to leave a job before your expected retirement date.
By running the various scenarios available to you, you may have a better idea of your options. 通过与金融专业人士交谈, you might design a path forward toward your 目标 over the next 20, 30, 或者40年. 每个人都有自己的风险承受能力, 目标, 和偏好, so there is no one-size-fits-all answer to a millennial's financial needs. 要求免费咨询, either in-person or virtual with a Financial Advisor at 元素财富管理.
脚注
1) A Look at How Millennials Spend Their Money, U.S. 新闻与世界报道
重要的信息披露
The opinions voiced in this material are for general information only and 不 intended to provide specific advice or recommendations for any individual.
Investing involves risks including possible loss of principal.
All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.
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