Proactively building a separate financial foundation before marriage
The trend of pre-marital financial accumulation is increasingly attracting the attention of many Gen Z women, reflected in proactively managing income and building a personal financial foundation early on.
Instead of completely relying on family or future husbands, many young people choose to accumulate small amounts each month to create a "safe private fund" for themselves.
Nguyen Le Vy - a student in Hanoi - said that she maintains the habit of saving regularly every month. After about a year, the accumulated money is enough for Vy to buy gold as a form of asset preservation.
“Every month, I have my own savings. Because I live with my family, I can completely balance my personal finances. I usually deduct more than half of my monthly income to save,” Le Vy shared.
Not only Le Vy's case, Tran Minh Ngoc (24 years old, working in Hanoi) also chose a similar accumulation method, depositing savings at banks for 6 months to 1 year to make a reserve fund.
''I feel that, in reality, many women when entering marriage but not having their own assets, will make them more passive in financial decisions as well as married life later'', Minh Ngoc confided.
Financial accumulation is a step forward in self-reliance thinking
According to Ms. Do Thu Hong - FIDT Financial Advisor, the trend of pre-marital financial accumulation clearly reflects the change in the thinking of Gen Z women, from dependence to proactively building a foundation for themselves.
Looking at it from the perspective of financial planning, this is a clear step forward in self-reliant thinking, not pragmatic. The previous generation often entered marriage with the expectation that it was a financial support, but with Gen Z women, it is reversing: They want to build their own support first," the expert said.
According to experts, this approach is similar to investment, when not putting all resources into one channel but knowing how to allocate risks. Marriage is still an important part of life but is no longer the "unique financial plan".
''From a psychological perspective, having a separate financial foundation helps women enter relationships with a more proactive, less dependent state and have a more sober decision-making ability. This contributes to creating balance in marriage, instead of creating financial dependence pressure,'' the expert said.
Experts also emphasize that to balance finance and marriage, Gen Z women should approach in two layers: Safety and connection.
In which, the safe class includes a 6- 12-month expenditure reserve fund, personal assets and the ability to generate stable income. This is the foundation to help each person not be dependent.
''However, the new layer of connection is the decisive factor in the quality of marriage, including frank exchanges about finance, unifying life values and jointly building a common plan'', the expert said.
According to experts, balance is not a choice between independence or connection, but a combination of both safety and connection. With a solid financial foundation and clear sharing with the partner, finance will become a supporting tool, rather than a barrier in the journey to building a sustainable marriage.
