Why save when you can earn more later? That’s the most common thing you’ll hear from Gen Z professionals in 2025. And they’re not wrong, entirely. - You can earn. - You can borrow. - You can swipe now and pay later. - You can get a raise, change careers, or move countries. Money is fluid. Access is easy. But here’s the other truth: - The habit of saving might be the only thing saving you. Let’s break this down: In 2025, over 62% of Gen Z in Tier 1 cities say they don’t save regularly, because they believe future income will solve today’s expenses. - Fixed deposits among <30 age group are down 14% YoY - BNPL (Book now pay later) users in India have crossed 170 million, mostly in their 20s - Nearly 46% say they can’t rely on their families in a financial emergency This isn’t just about spending. It’s about a mindset shift. Your parents weren’t rich. But they were rarely financially helpless. They had something that’s undervalued today: (Liquidity. Discipline. And sleep.) They saved first, spent later. We earn first, swipe instantly, and figure it out later. Saving money isn’t about hoarding cash. It’s about buying back your control. - To say no to a toxic job - To help someone you love - To take a break without panic - To live slower, better, freer That’s the irony. The generation that talks the most about freedom often has the least of it, because they’re one EMI away from crisis. So if you’re earning in 2025: - Yes, spend. - Yes, invest. - Yes, live your life. But save, not just for a future you, But to protect the present you from falling apart. Because the economy won’t save you. And sometimes, even your income can’t. Only your habit will.