The 2025 Guide to Financial Planning for Gen Z: Crypto, ESG, and Digital Tools

Financial planning isn’t just about retirement anymore. For Gen Z—the digital-native generation born between 1997 and 2012—building wealth looks radically different than it did even a decade ago. With crypto wallets replacing cash envelopes, ESG investing overtaking traditional portfolios, and AI-powered financial apps putting personal finance on autopilot, 2025 is the year to rethink everything you thought you knew about money.

Whether you're just starting your first job, launching a side hustle, or trying to make sense of your student loans, here's your guide to financial planning in the digital-first world of 2025.