Stat: Vibe-based budgeting is shaping young consumers’ spending habits

US – Amid economic uncertainty, Gen Z and Millennials are turning to vibe-based budgeting – adjusting spending based on how the economy feels rather than what’s in their bank accounts. According to Intuit Credit Karma, 44% of Americans engage in vibe-based budgeting, rising to 56% of Gen Z and 57% of Millennials. 

After surveying a small sample of 1,058 US adults aged 18 and over in June 2025, Intuit Credit Karma found that just over a quarter (26%) said their personal financial situation had the greatest influence on how they perceive the state of the economy. Some 16% cited news outlets as the main factor shaping their economic outlook, while social media also played a role (15%), particularly among Gen Z respondents (29%). 

But this trend isn’t just about fear – it reflects a growing desire for control, with young people using news and social media to guide how they manage their money. As explored in our Cultural Capital report, Gen Z’s financial decisions are driven by emotion, identity and community – challenging traditional financial systems. 

Fintech brands are responding with tools that meet these evolving needs. From Klarna’s flexible payment plans to TikTok’s loud budgeting trend, the focus is shifting to financial tools that are emotionally intuitive and socially informed.