Financial Literacy for Generation Z

A Practical Guide to Managing Your Financial Life

by Kenneth O. Doyle, PhD


The U.S. ranks 14th in financial literacy, behind China, Russia, and others.

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Cover image for Financial Literacy for Generation Z

September 2019


Pages 167
Volumes 1
Size 6 1/8x9 1/4
Topics Business/Finance, Investments and Banking

This indispensable resource explains principles of financial planning and financial psychology to help teens and young adults make good financial decisions now and achieve their financial goals.

Financial literacy for savvy teens and young adults means meeting them where they are, which is in high school and college. It also means understanding how they differ from their Gen X and elder millennial parents. For example, they tend to be debt-averse, thrifty, and responsible but may err on the side of taking too little risk, such as not investing early enough. This book uses economics and psychology to help Generation Z students make better decisions throughout their lives and especially in their formative years.

Financial Literacy for Generation Z addresses decisions students have to make while still in school, after graduation, and later, with the greatest emphasis on the decisions closest at hand to them. It encompasses not just money talk—for example, how much to contribute to your 401(k)—but also decisions that are directly connected to money, such as choosing a major and a career, building a credit record, and managing your first real income.


  • Honors the range of financial goals from simply being comfortable through becoming rich
  • Provides case illustrations of how young people of different personality types engage the financial world
  • Offers references to information on modern and reputable websites including and
  • Includes plenty of "street smart" advice
Author Info

Kenneth O. Doyle, PhD, is associate professor on the advertising and public relations faculty in the School of Journalism and Mass Communication, University of Minnesota–Twin Cities. A licensed psychologist and retired financial planner, his principal professional effort is to blend financial planning and financial psychology. He teaches a popular course on the Symbolic Meanings of Money and Property and is author of The Symbolic Meanings of Money and Property: In Search of a Talisman and coauthor, with Larry K. Houk, JD, of Peace of Mind for Your Aging Parents: A Financial, Legal, and Psychological Toolkit for Adult Children, Advisors, and Caregivers.



"The book is unique, treating money management behavior as a tool of communication and applying psychological theories to form money personality types. It is appealing to the 20-something with its comprehensive topics, conversational style, cases demonstrating money personalities, various money management apps, and new terminology."—Jing Jian Xiao, Professor of Consumer Finance, University of Rhode Island and author of Consumer Economic Wellbeing

"This book is a wonderful addition to the literature on financial literacy. Too many people in the U.S. lack a basic understanding of financial topics and decision making. Reading this book would go a long way in helping them make better, more informed decisions."—Beth C. Gamel, CPA/PFS, AEP®, Managing Director, Argent Wealth Management

"As a member of Generation Z, you're comfortable with the internet and social media. This book takes you from there, into the financial opportunities and challenges you will likely face in the world. Best of all, it tells you not only what to expect, but why." —Houston D. Smith, Jr., CPA/PFS

"Financial Literacy for Generation Z takes a holistic approach to helping the next generation make better financial decisions through a mix of financial literacy and the psychology of choice in financial decision-making. Theoretically grounded but accessible to a broad audience, this book is an ideal way to help younger generations towards a path to financial wellness."—Dr. Charles R. Chaffin, CFP Board

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