Financial Planning for Digital Generation

Perencanaan finansial di era digital membutuhkan kejelian dalam membaca peluang dan disesuaikan dengan kemampuan finansial untuk menjaga agar generasi milenial memiliki simpanan

1. BEYOND
THE SCROLL :
UNIVERSITAS MERDEKA MALANG
Presented By:
Yuntawati Fristin
Agung Suwandaru
Ginanjar Indra Kusuma Nugraha
Anandhayu Mahatma Ratri
Muhammad Rizki Firdaus
Cahya Nova Kurniawan

FINANCIAL PLANNING FOR
THE DIGITAL GENERATION

2. In the digital age, every click is a
trace, and every purchase is a
reflection of the soul. Be wise in
spending, as the ease of transactions
can obscure the true value of what
we have and what we really need.
PROLOGUE

3. DIGITAL SHOPPING HABITS
Seamless transactions: Easy online payments,
digital wallets, and one-click purchases
Oversubscribed: Monthly costs for streams, apps,
and services add up quickly
Social media pressure: Influencers and targeted
ads drive impulse purchases.
"Doom spending": Emotional spending to cope
with stress or uncertainty.
Digital Influence

4. DIGITAL SHOPPING HABITS
Money is invisible: Digital transactions feel less
tangible than cash, leading to overspending.
Pay Later: Easy credit can lead to debt
accumulation.
FOMO (Fear Of Missing Out): Social media trends
encourage unnecessary purchases.
Lack of financial literacy: Many Gen Z lack
financial management education
Digital Influence

5. “WEALTH IS THE
ABILITY TO
FULLY EXPERIENCE
LIFE”
-Henry David Thoreau-

6. MONETIZING DIGITAL SKILLS
Freelance Writing/Editing: Creation
Content for blogs, websites, and businesses.
Social Media Management: Helping brands build
their online presence.
Graphic Design/Video Editing: Create visual
content for various platforms.

7. Tutor Online:
Share academic knowledge in the subjects you are
proficient in.
E-commerce/Dropshipping:
Sell products online without
manage inventory.
Content Creation (YouTube, TikTok):
Build an audience and monetize through
advertising, sponsorships.
MONETIZING DIGITAL SKILLS

8. BUDGETING IN THE
DIGITAL AGE
The 50/30/20 rule:
50% for needs, 30% for
wants, 20% for savings
Strategy
Every Ringgit has a task
and must be productive,
not just consumptive
Use the app to create a
virtual expense envelope
Zero-Based
udgeting
Digital Budget
System

YNAB SPLIWISE GOODBUDGET MINT

10. INVESTING 101 FOR GEN-Z
Power of Compounding: Money makes
money over time.
Beat Inflation: Protect your money's
purchasing power.
Achieve Financial Goals: Save for asset
purchases, retirement, or financial
freedom.
Why Invest Early On?

11. •Start Small, Start Now: Even a few dollars saved or invested regularly make a
difference.
Automate Your Savings: Set up automatic transfers to your savings or investment
accounts.
Educate Yourself Continuously: Read books, follow financial blogs reputable, and
attend workshops.
PLAN
FINANCIAL ACTION
•Build an Emergency Fund: Target 3-6 months of living expenses in a segregated
account that is easily accessible.
Track Your Spending: Use a budgeting app to understand where your money is going.
Diversify Income Stream: Explore side hustles to supplement your main income.
Seek Professional Advice: Feel free to consult a financial advisor for personalized
guidance.

13. Thank You!
For Your Attention
UNIVERSITAS MERDEKA MALANG
Dr. Yuntawati Fristin, S.Sos., M.Ab