Pengaruh Gaya Hidup Terhadap Kondisi Keuangan Pribadi pada Generasi Z

Mutia Sirwaty
Wa Ode Rayyani

JEBD
Vol. 3 No. 1 (2025): Juli - September

This study aims to analyze the influence of lifestyle on the personal financial conditions of Generation Z, individuals born between 1997 and 2012. The research employs a quantitative method by distributing questionnaires to 34 respondents aged 18–27 years, and the data are analyzed using simple linear regression. The results indicate that lifestyle has a significant effect on personal financial conditions, as demonstrated by the t-calculated value (3.047) > t-table (2.037) and a significance level of 0.005 < 0.05. The higher the level of a consumptive lifestyle, the greater the likelihood of disturbances in personal financial conditions. These findings emphasize the importance of financial literacy education to help Generation Z manage their finances wisely.