Gen Z wants to get rich quickly, creating a challenge for healthy finances

The promise of getting rich quickly can make disciplined money management harder for Generation Z, according to Indonesian investment specialist Syanne Gracetine Polii.

Financial content on social media often presents investment as a route to financial freedom with results that appear possible in a short period. Syanne said that exposure can make the slower process of building wealth through consistency and long-term planning seem less attractive to young investors.

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We have to acknowledge that today we are competing in an era in which young people are focused on getting rich quickly.

She said members of Generation Z need to consider the consequences of each financial decision, both for current needs and for their future circumstances. Her advice is to examine the trade-off between spending money on immediate wants and allocating it toward longer-term financial goals.

Syanne described this as a “pain and gain” approach. Young people, she said, must recognize what they give up when choosing present consumption over future planning. “The question of choosing between the present and the future is actually about two things that both have to be pursued, paid for gradually, and each requires sacrifice,” she said at a financial discussion in Jakarta.

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The question of choosing between the present and the future is actually about two things that both have to be pursued, paid for gradually, and each requires sacrifice.