Bank of America: more than half of the $ 0 generation z to be released monthly

The recent report of Bank of America Better Money Habits revealed that out of 915 adults in the United States questioned, 53% of them spent $ 0 each month to go out together. In addition, a third of respondents said they had spent less than $ 100 per month on dates. This shortage of meeting spending was almost identical between the sexes.

Generation Z, whose education was marked by the 2008 financial crisis, a pandemic and now economic concerns, has developed omnipresent financial anxiety, setting high objectives of retirement savings and investing in the stock market earlier than previous generations. But the pressure to find financial security noted that love for love is not a priority.

“Instead of spending big to go out with in particular, Gen Z chooses to be really intentional with their money,” said Ryan Viktorin, vice-president and financial consultant at Fidelity Investments, told Fidelity Investments Fortune. “They go for low -cost meeting places and jump for fanciful dinners and also have real conversations on money very early.”

“It is not that they are not interested in going out together, so to speak, but it is that we see many of them by really thinking in advance,” she added.

While generation Z can already think of their long -term finances, the delivery of the safeguard objectives they have set for themselves are another story. According to Bofa, more than half of adults in generation Z have the impression that they do not earn enough money to give the life they plan for themselves. Although 42% said they saw retirement savings as a means of reaching financial independence, only 25% have contributed to a retirement account in the past 12 months. Will Smayda, head of Bofa’s financial centers, said that the inability to see the materialization of progress towards these objectives is to store the anxiety of the young generation.

“The moral of history is that” adults “proves to be more expensive and more difficult than most of the Gen Z had planned it,” said Smayda Fortune.

Gen z soure on occasional meetings

In generations, economic pessimism has killed mood regarding meetings. A survey in 2024 Lendingtree with more than 2,000 American consumers revealed that among respondents who came out together, 65% said that inflation had an impact on their life of meetings. About a quarter said he tried to spend less on dates, and one in five respondents said they took fewer dates to spend less.

Viktorin said that the desire to keep finances in check led generation Z to “go out with a goal”, intentionally out rather than keep things relaxed. Combined with a decreased interest in one night stands, it is not surprising that the young generation also had dating applications, despite the best efforts of companies to wrapping them.

Dating sites have introduced a myriad of automated tools to increase the commitment of young users. In January, Hinge introduced a “fast feedback” feature that uses AI to push users to improve the rapid responses of their dating profiles. Bumble also has conversation prompts fed in AI and photo selection features.

According to a survey carried out by Bloomberg Intelligence, around 50% of users of 1,000 meeting applications said that AI had not made a difference in the way they made their profiles or discussed with their matches. Meeting applications feel the pressure of the disengagement of Gen Z. Despite the first signs of a turnaround, Match Group, which owns Tinder and Hinge, dismissed 13% of its staff in May as a paid user and the profits fell in the first quarter of 2025. Bumble also dismissed 30% of its team in June.

Why go out with a “little treat”?

The disgust for generation Z for meetings of meetings and occasional adventures does not fully grasp their philosophy around expenses. Despite economic anxieties, generation Z is not opposed to discretionary expenses, kissing the “Little Treatle” culture to drop pieces of payroll checks on cups of coffee, skin care or travel. It is not because Gen Z does not spend dates that they do not spend.

“If Gen Z eats frequently and travels, we wonder if they spend more time with a group of friends or family members, as opposed to (romantic experiences),” said Smayda.

Beyond financial concerns, part of the reluctance of young people to spend on meetings could also be because it is simply not a priority. Bobbi Rebell, a certified financial planner and expert in consumer finance in Badcredit.org, said that Gen Z’s opening of anxiety admission around their finances is part of wider values ​​shared by the generation on mental health, including an increased thrust to maintain a balance between professional and private life. This system of multifaceted values ​​which prioritizes financial independence can also focus on the need to find a life partner, she said, even if it is something that Gen Z finally wants.

“They have less social pressure to be part of what I call a” permanent “relationship – to get married to younger ages than previous generations,” said Rebell Fortune. “They do not have this social pressure to be in a relationship engaged at the same level as there were years.”