<![CDATA[Generation Z in major Indonesian cities shows relatively adequate financial literacy, yet the rapid growth of the coffee shop industry remains accompanied by recurring and partly unplanned consumption patterns. This study explores how financial literacy and coffee shop lifestyle interact to shape the consumptive behavior of Generation Z in Semarang, a secondary city rarely covered by qualitative research on this topic. Using a qualitative case study approach with a phenomenological orientation, the study involved six purposively selected informants: three university students, two young Generation Z workers with varying visit frequency and spending levels, and one coffee shop manager as a business-side triangulation source. Data were collected through semi-structured interviews and analyzed thematically, with trustworthiness maintained through source triangulation, triangulation across four theoretical lenses, and member checking with all informants. Findings indicate that informants' financial literacy was polarized between those with systematic budgeting discipline and those who relied on rough estimates, and that strong financial literacy curbs impulsive purchases but does not reduce visit frequency, as coffee shops function as a third place for work, study, and socializing. Consumptive behavior emerges most vulnerably during add-on ordering moments triggered by social pressure or FOMO and eased by digital payment methods that obscure awareness of cumulative spending. These findings suggest that financial literacy interventions should target micro decision moments at the point of transaction rather than general financial knowledge alone, offering practical insight for Generation Z, coffee shop operators, and financial education institutions.]]>
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