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All Journal Review of Management, Accounting, and Business Studies
Kofler, Maximilian
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Economics, Econometrics & Finance

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Love of money, FOMO, and self-control in Gen Z financial planning Kofler, Maximilian
Review of Management, Accounting, and Business Studies Vol. 6 No. 2 (2025): Accepted Issue
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v6i2.7325

Abstract

Personal financial planning is becoming increasingly important as people become more aware of the need for effective financial management to achieve financial stability and prepare for a better future. This study examines the influence of love of money, Fear of Missing Out (FOMO), and self-control on Generation Z’s personal financial planning, with financial literacy serving as a moderating variable. Using a quantitative approach, data were collected through a structured questionnaire. The study involved 100 Generation Z respondents selected using the Slovin formula. Data were analyzed using SmartPLS 3.0 with path analysis. The findings indicate that love of money, FoMO, and self-control each have a positive influence on personal financial planning. In addition, financial literacy significantly moderates the relationships between love of money and personal financial planning, FoMO and personal financial planning, and self-control and personal financial planning. Based on these results, it is recommended that Generation Z strengthen their financial literacy and develop personal financial plans regularly to support more focused and effective financial management.
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