Money is a universal concern, but how different generations approach it can vary significantly. 

In a thought-provoking discussionRec-Create facilitated an insightful discussion on financial habits across generations, featuring three adults from different age groups: Lounell (35), Ryan (28), and Christian (21).

Lounell, a 35 year old freelance makeup artist, stressed practicality in finances and disagreed with the notion that travel should be reserved for the wealthy.

“Hindi naman kailangan Japan agad, ganon,” she said, “Punta ka muna sa mga pinakamalalapit. Hanapin mo lang yung pasok sa budget. Tapos at the same time, ma-eenjoy mo.”

Ryan, a 28 year old forester, echoed this sentiment, adding, “Hanggang bata pa, hanggang may energy pa, tintry ko nang gumala. Parang yun kasi yung… Something to look forward.”

On the other hand, when it comes to budgeting in relationships, the trio agreed on its importance.

“Ang saya na lahat tayo agree dito. Responsible adulting,” Lounell remarked.

She then stated, “Kailangan talaga may pera ka, ‘pag ka pumasok ka sa relasyon. Hindi pwedeng mahal-mahalan lang, di ba?”

Christian humorously chimed in, saying, “Hindi ka mapapakain ng I Love You,” highlighting the practical realities of financial stability in partnerships.

When it came to making decisions on passion and work, their perspectives diverged.

Lounell stressed the need for balance, saying, “At the end of the day, kailangan talaga may kita kayo habang ginagawa niyo yung passion niyo.”

Christian, however, prioritized fulfillment, stating, “I disagree… Iba kasi yung feeling, kapag yung fulfillment din kapag, mahal mo yung ginagawa mo.”

Meanwhile, Ryan shared his personal experience of leaving a stable job for a work-from-home role that allowed him to pursue his passions.

“Sabi nga nila diba, work pays the bill, passion pays the soul,” he said.

The discussion on savings and luxuries further highlighted generational differences.

“Kung wala ka pang ipon, bakit hindi bakit ‘di mo nalang ilagay muna yung money mo? Kitita ka naman eventually, kaysa dun sa mga bagay na nagdi-depreciate over time.” Lounell advised.

Ryan echoed her statement, emphasizing living within one’s means while Christian took a more lenient stance.

“If you deserve it, you deserve it,” he said.

Despite different viewpoints, the participants found common ground.

Lounell reflected, “Parang iisa lang naman yung mga, ano natin, parang, struggles, diba? Gusto lang naman natin mag trabaho, sumuccess para, makapag provide tayo and at the same time, mabigyan natin, kung ano yung deserve natin sa sarili natin.”

Ryan appreciated the diversity of priorities, noting, “Ang ganda nga ng dynamics natin. Parang, iba iba tayo ng priorities, pero parang, same-same tayo na, se-set tayo ng mga time sa mga things na nagmamatter sa atin.”

Meanwhile the youngest of the participants, Christian, expressed gratitude for the opportunity to learn from his older counterparts.

“I really learned a lot discussing this, kasi parang nakulong ako parang sa sarili ko na parang ito yung goal, ganito dapat, ganyan ganyan,” he said.

While age and life stage influence how adults approach money, the conversation demonstrated that shared values can bridge generational gaps. 

It is a reminder that, regardless of age, open dialogue and mutual understanding can lead to wiser financial decisions and a more harmonious approach to money.

Sources: (1)

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