Report 07 · Annual

Gen Z Money Report

30%of non-retired 18–24-year-olds were paying into a pension. Here’s the full picture, and our own survey is coming next.

First edition built from national data · Our own hype.finance survey opens soon

Money confidence and resilience, UK adults

% of adults, FCA Financial Lives 2024

Low financial resilience

24%

Lack confidence managing money

22%

Savings under £1,000

21%

Used BNPL in a year

20%

No cash savings

10%

TL;DRAbout a quarter of adults would struggle with a money shock. If that’s you, you’re far from alone.

12%of 18–24s used high-cost credit — the highest of any age group.FCA Financial Lives 2024

63%of 20–24-year-olds live at home with parents.Resolution Foundation

71%of UK adults hold a savings product; 35% hold investments.FCA Financial Lives 2024

TL;DRYoung adults use more high-cost credit than any other age group, and fewer of them pay into a pension.

Your 5-minute move

Start with what’s left after the essentials. It’s the number every other money decision builds on.

Receipts · checked 9 November 2026