{"id":482495,"date":"2025-10-08T08:36:12","date_gmt":"2025-10-08T08:36:12","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/482495\/"},"modified":"2025-10-08T08:36:12","modified_gmt":"2025-10-08T08:36:12","slug":"aviva-study-finds-25-34s-are-the-uks-most-goal-oriented-and-confident-when-it-comes-to-finances","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/482495\/","title":{"rendered":"Aviva study finds 25\u201334s are the UK\u2019s most goal-oriented and confident when it comes to finances"},"content":{"rendered":"<p>     <img class=\"pullout-image\" src=\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2025\/10\/happy-businesswoman-2880x1620.jpg\" decoding=\"async\" loading=\"lazy\" alt=\"\"\/>         <\/p>\n<blockquote class=\"blockquote-quote__wrapper\">\n<ul class=\"a-list-unordered\">\n<li>Majority (85%) of 25\u201334-year-olds are confident they will reach their financial goals vs 59% across all other age groups<\/li>\n<li>More than two thirds (67%) of this younger cohort \u2018review or adjust their goals\u2019 monthly or more often vs 49% all age groups<\/li>\n<li>25\u201334-year-old savers are most likely to be develop strategies to stay on track &#8211; automatic transfers to savings (50%), use budgeting apps (39%) and sharing experiences and goals with peers (31%)<\/li>\n<li>Fear of loss (29%),\u00a0lack of knowledge (22%), and\u00a0feeling overwhelmed by options (12%)\u00a0are the biggest psychological barriers to investing more confidently across all age groups<\/li>\n<\/ul>\n<\/blockquote>\n<p class=\"max-6 desktop-max-8\"><strong>New research from Aviva has revealed that UK adults are increasingly motivated by personal values when it comes to their financial planning, with\u00a0providing for their family (44%),\u00a0financial independence (43%), and\u00a0security (31%) emerging as the top drivers. \u00a0Among 25\u201334-year-olds, these motivators are even more apparent, with\u00a0more than half (58%)\u00a0citing family security and\u00a053%\u00a0financial independence &#8211; making them one of the most financially goal-oriented age groups.<\/strong><\/p>\n<p class=\"max-6 desktop-max-8\">The study, which surveyed more than 2,000 nationally representative UK adults, found that\u00a0the majority (85%)<a href=\"#references\" name=\"_ftnref1\" title=\"Go to references\">[1]<\/a><a\/> <a id=\"reference-one\"\/>of 25\u201334-year-olds\u00a0feel confident in their ability to reach their financial goals, compared to 59%\u00a0across all other age groups. This confidence is backed by action as\u00a0more than two thirds (67%)<a title=\"Go to references\" href=\"#references\">[2]<\/a><a id=\"reference-two\"\/><a\/> of this younger cohort \u2018review or adjust their financial goals\u2019 monthly or more often, compared to half (49%)<a title=\"Go to references\" href=\"#references\">[2]<\/a> of all survey respondents, and more than a third (37%)\u00a0follow \u2018strict budgets, and track every expense they incur\u2019 versus 28% overall.<\/p>\n<p class=\"max-6 desktop-max-8\">Very few (5%) 25\u201334-year-olds \u201cset and forget\u201d their financial goals by \u2018never or rarely\u2019 reviewing them, in comparison to 19% of the total sample.\u00a0\u00a0<\/p>\n<blockquote class=\"blockquote-quote__wrapper\">\n<p>It\u2019s encouraging to see such strong engagement with financial planning across the UK, especially among younger adults. The 25\u201334-year-old age group is clearly motivated by a desire to support their families and gain financial independence.\u00a0<\/p>\n<\/blockquote>\n<p class=\"max-6 desktop-max-8\">The research also reveals that the 25\u201334-year-old savers are most likely to be developing strategies to help them stay on track financially. They automatically transfer money into savings each month (50%), use budgeting apps (39%) and sharing experiences and goals with peers (31%) A further three in ten who have financial habits (59%)\u00a0say that setting clear, achievable goals helped them form better financial habits.<\/p>\n<p class=\"max-6 desktop-max-8\"><strong>Michele Golunska, Managing Director, Wealth and Advice at Aviva, said:<\/strong><br \/>\u201cIt\u2019s encouraging to see such strong engagement with financial planning across the UK, especially among younger adults. The 25\u201334-year-old age group is clearly motivated by a desire to support their families and gain financial independence. They\u2019re not only setting goals but actively reviewing them, using digital tools and peer support groups to stay on track. These habits all help to lay the foundation for their long-term financial wellbeing.\u201d<\/p>\n<p class=\"max-6 desktop-max-8\">When it comes to emotional drivers, more than half (53%) of 25\u201334-year-olds\u00a0say\u00a0confidence\u00a0influences their investment decisions, followed by\u00a0excitement (43%) and hope (41%). However, the biggest psychological barriers to investing more confidently across the broader population were\u00a0fear of loss (29%),\u00a0lack of knowledge (22%), and\u00a0feeling overwhelmed (12%).\u00a0\u00a0<strong\/><\/p>\n<p class=\"max-6 desktop-max-8\"><strong>Dr. Eliza Filby, historian and expert on generational change, comments:<\/strong><br \/>\u201cThis generation has grown up in the shadow of economic instability &#8211; from the 2008 financial crisis through Covid and the cost-of-living challenges of today. As a result, they\u2019ve become financially pragmatic and digitally confident. Their motivations are deeply personal: family support, independence, and emotional drivers like confidence and hope. They\u2019re not just reacting to financial pressures &#8211; they\u2019re actively reshaping how they think about money and their futures.\u201d<\/p>\n<p class=\"max-6 desktop-max-8\">Overall, the research found that forming good financial habits has a profound impact on the wellbeing of individuals \u2013 most (81%)<a href=\"#references\" name=\"_ftnref3\" title=\"Go to references\">[3]<\/a>\u00a0<a id=\"reference-three\"\/>\u00a0agree it gives them greater control over life and allows for better life planning. Three quarters (75%)<a title=\"Go to references\" href=\"#references\">[3]\u00a0<\/a>say it improves their mood and reduces their stress and anxiety, and 3 out of 5 (61%)<a title=\"Go to references\" href=\"#references\">[3]<\/a> even report improved sleep quality.<\/p>\n<p class=\"max-6 desktop-max-8\">As financial pressures change, Aviva\u2019s findings underline the importance of tailored support and education &#8211; particularly as we navigate a more complex financial landscape.<\/p>\n<p> Top tips in forming good financial habits and staying on track: <\/p>\n<p class=\"max-6 desktop-max-8\">1.\u00a0Set clear and achievable goals:<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>59% of 25\u201334-year-olds say this helped them form better savings habits.<\/li>\n<li>Break goals into short-term and long-term targets (e.g. savings for a holiday vs. retirement).<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">2.\u00a0Automate your savings:<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>31% of people stay on track by automatically transferring money into savings or investments \u2013 rising to 50% of 25-34 year olds.<\/li>\n<li>Set up standing orders or direct debits to make your saving effortless.<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">3.\u00a0Use budgeting apps and tools:<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>39% of 25\u201334-year-olds say apps help them stay disciplined.<\/li>\n<li>Consider apps that allow you to track spending, set limits, and picture your progress.<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">4.\u00a0Review your goals regularly:<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>Nearly half (49%) of people with good habits review their goals monthly or more often, moving to 67% of 25\u201334-year-olds.<\/li>\n<li>Schedule a monthly \u201cmoney check-in\u201d to review and adjust plans to stay motivated.<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">5.\u00a0Learn from previous mistakes:<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>51% of people say past financial mistakes helped them improve their future decisions.<\/li>\n<li>Reflect on what did and didn\u2019t work and use those lessons to build better habits.<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">6.\u00a0Seek advice and support:<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>47% of young adults say financial coaching helped them stick to their goals.<\/li>\n<li>Talk to a financial adviser or join peer support groups.<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">7.\u00a0Track every expense:<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>Almost 4 in 10 (37%) of 25\u201334-year-olds follow strict budgets and track spending.<\/li>\n<li>Use spreadsheets or apps to monitor where your money goes.<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">8.\u00a0Understand your emotional drivers<\/p>\n<ul class=\"max-6 desktop-max-8\">\n<li>Confidence, hope, and excitement are key motivators &#8211; especially for younger adults.<\/li>\n<li>Recognise how emotions influence your decisions both positively and negatively and build strategies to manage them.<\/li>\n<\/ul>\n<p class=\"max-6 desktop-max-8\">-ends-<\/p>\n<p> References:<a id=\"references\"\/> <\/p>\n<p class=\"max-6 desktop-max-8\">1. Combines \u2018 Very confident\u2019 and \u2018Somewhat confident\u2019\u00a0<a title=\"Go back to reference one\" href=\"#reference-one\">[\u2191]\u00a0<\/a><\/p>\n<p class=\"max-6 desktop-max-8\">2. Combines Monthly, weekly and daily<a title=\"Go back to reference two\" href=\"#reference-two\">\u00a0[\u2191]\u00a0<\/a><\/p>\n<p class=\"max-6 desktop-max-8\">3. Combines \u2018Strongly agree\u2019 and \u2018agree\u00a0<a title=\"Go back to reference three\" href=\"#reference-three\">[\u2191]<\/a><\/p>\n<p> Methodology<strong>:\u00a0<\/strong> <\/p>\n<p class=\"max-6 desktop-max-8\">Research was led by Censuswide \u2013 using a sample of 2,000 general UK consumers, between 30.07.2025-01.08.2025. Censuswide abides by and employs members of the Market Research Society and follows the MRS code of conduct and ESOMAR principles.<\/p>\n<p> Enquiries:  <\/p>\n","protected":false},"excerpt":{"rendered":"Majority (85%) of 25\u201334-year-olds are confident they will reach their financial goals vs 59% across all other age&hellip;\n","protected":false},"author":2,"featured_media":482496,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4],"tags":[748,393,4884,1144,712,16,15,1764],"class_list":{"0":"post-482495","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uk","8":"category-united-kingdom","9":"tag-britain","10":"tag-england","11":"tag-great-britain","12":"tag-northern-ireland","13":"tag-scotland","14":"tag-uk","15":"tag-united-kingdom","16":"tag-wales"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@uk\/115337638791889517","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/482495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=482495"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/482495\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/482496"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=482495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=482495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=482495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}