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Avocado toast, specialty coffee, budget flights, festivals, fast fashion followed by slow fashion—there are a million reasons cited why Generation Z, and those immediately before and after them, will supposedly never be able to afford a home. In recent years, this has been the dominant narrative on front pages, at panel discussions, and in numerous market research studies. Many believed that the spending habits of new generations would prevent them from ever reaching the financial milestones of their parents. But is that really the case?
An increasing number of sources confirm that young people are actually managing their money in a completely different way. Technology, which this generation grew up with, plays a central role. Access to information, a variety of financial services, and their natural ability to navigate the digital space give young people an undeniable advantage in protecting and building their assets more efficiently than ever before.
How to actually achieve this—strategies for saving and investing, when and how to enter the stock or crypto markets, and how to stay safe from increasingly sophisticated financial scams - will be the main themes of Money Motion Day0. The organizing team of the region's largest FinTech conference, supported by Zagrebačka banka, has prepared a unique program open to the public on Tuesday, March 10th, starting at 4:00 PM at HNK2. Admission is free, and the registration form is available on the official website at www.day0.hr.
Below, we bring you the five most important reasons why young people have the opportunity to become the most financially independent generation yet.
1. Investing has never been easier
The key barriers to entering the market for stocks, ETFs, gold, and crypto assets have officially been dismantled. Today, you can start investing with just a few euros in your account. An increasing number of platforms offer commission-free trading with no minimum deposit requirements, while fractional shares allow investors to buy into high-quality companies with small amounts. This is a game-changer. Gen Z is starting to invest earlier, leveraging the power of a long-term investment horizon and compound interest. Instead of following their parents' path of first buying and paying off a property before they start investing, today’s youth can start investing early and potentially use those returns to pay off a home later.
2. Everything we need to know is already accessible
There are no more "hidden" financial tricks known and understood only by a wealthy few. Everything is out in the open; the only question is how willing we are to seek it out and whether we can distinguish quality, verified financial advice from the nonsense of self-proclaimed "finfluencers," unverified sources, and potential scams. The information monopoly no longer exists—but neither does overnight wealth.
3. Income no longer recognizes national borders
Digital skills, remote work, and global platforms mean that young people can tap into global labor demands through freelancing, project-based engagements, or micro-services. Earning income from stronger international markets changes the equation for saving and investing, even when real estate prices and the cost of living rise faster than local wages.
