Global surveys have shown that both Generation Z and millennials are very worried about increasing living costs and the problem of housing affordability. They often experience flat wages, find it hard to pay for basic expenses, and are uncertain due to rapid technological changes such as AI impacting entry-level jobs. Financial anxiety is made worse by social comparison and a condition known as ‘money dysmorphia’, which can increase stress even in people who are objectively in a secure financial position. On the positive side, recent developments indicate that young people are becoming more optimistic and their mental health is improving. The document emphasizes the need to tell the difference between real financial hardship and anxiety that is caused by one's own perceptions and media influences.