Gen Z with accumulation options before marriage
No longer placing all their faith in a perfect marriage, many Gen Z women are choosing a more realistic path, which is to actively accumulate finances before entering family life.
For them, money is not only a means of survival but also a safe zone to protect themselves in uncertain situations.
Ms. Ngo Thu Trang (27 years old, Hanoi) said that she started saving from her final year of university. After starting work, Ms. Trang maintained the habit of deducting 30% of her monthly income for savings.
I don't want to enter marriage with empty hands. Having my own financial resources, I feel more confident, more proactive and not completely dependent on my husband," Ms. Trang shared.
Similarly, Ms. Dao Minh Anh (26 years old, Ho Chi Minh City) also considers building a financial foundation as a prerequisite before thinking about marriage. She invests in safe channels such as savings and insurance, and also learns more about spending management.
Love is very important, but I think financial stability is what keeps a marriage long-lasting, avoiding conflicts leading to broken relationships," Ms. Minh Anh said.
Financial preparation helps love become more sustainable
According to Ms. Do Thu Hong - Financial Advisor of FIDT Investment Consulting and Asset Management Joint Stock Company - the fact that young women focus on accumulation is not a sign of losing faith in marriage, but a positive change in thinking.
Preparing yourself for a financial stepping stone to have freedom and independence is very necessary. Then, the relationship is no longer dependent but simply coming together for love," Ms. Hong said.
According to Ms. Do Thu Hong, this independence helps couples build healthier relationships, where both share responsibilities instead of being dependent on one side.
From another perspective, Mr. Nguyen Quang Huy (CEO of the Faculty of Finance - Banking, Nguyen Trai University) believes that the trend of self-reliance makes financial preparation an inevitable requirement for both men and women.
Only when we are financially independent can we be truly free. A solid financial foundation will create conditions to take better care of each other, helping to enrich material and spiritual life," Mr. Huy analyzed.
This expert also emphasized that financial accumulation is not a solution to all problems in marriage, but plays an important role in reducing pressure and conflict.
When everyone has their own resources, they will be more confident in making decisions and less bound by economic factors," Mr. Huy said.
In general, the trend of Gen Z women accumulating finances before marriage reflects a clear shift in social thinking. Financial preparation does not lose the value of love, but on the contrary, helps love become more sustainable when not dominated by material pressure.
