Gen Z - The poorest generation EVER

[@Rubitonyourface]

12 young people between 23 and 27 across 6 cities? That’s a really poor sample size. Not to mention this won’t result in understanding any sort of inference.

[@Prasaddongare]

It's a biased and sponsored video 😅

[@raviteja5125]

and he gave a long pause like 12 young people, as if its 12,000 young people.

[@arjitchauhan2229]

When i hear this thing... I'm be like he's gonna say he's kidding or just doing some parody... Issey acha aur large survey to kisi telegram ya discord pe karlete sir 😬...

[@Kulhad_ki_chai]

Yes his analysis is poor and his personality….. gonna be kind here and leave it blank

[@RamaRao-j7f]

I am thinking u r also ended like the people mentioned in video 🥱🥱🥱

[@riteshgarg]

7/10 iphones on EMIs is a strong indicator of something is seriously wrong

[@jobhi23]

I was in right direction. I saved like 30% of my salary in mutual fund and got like 48% returns . But then wedding season came, and my savings went from superhero to zero-hero 😂

[@yuvrajguptaofficial888]

Same happened with my bhaiya

[@kaifjamal6265]

If you don't mind asking did you regret that decision coz I'm gonna have to make a similar one soon lol

[@wreckball2315]

30% is very less. Minimum 70%. I save 80%.

[@jobhi23]

@@wreckball2315 that means your salary is for yourself only, no one depending on you.

[@jobhi23]

@@kaifjamal6265 yes I regret, but no choice, marriage also compulsory

[@AshishChavan2904]

Buy assets, not liabilities

[@Zero1byZerodha]

💯

[@aryankumar87771]

*build assets

[@kamalk0107]

Remember this channel is also an advertisement that wants us to save money so that we can invest in markets via Zerodha 🙏

[@ToonXTech]

@@kamalk0107 they never said to buy from them.. they advertise the Ideas to save ourselves.. and it's our choice.. maybe sponsorship to make content by them but so far they doing best..

[@DheerajThukral]

And what's wrong in that?

[@advaithrajendra]

When you use 100% of your brain, you get these thoughts 🤣🤣

[@madking3]

Long term investment cost 0% brokerage except yearly mantainance. If u don't want to u zerodha u can u other u have a choice.

[@SaikatSaha-yk1yq]

Nothing wrong, Invest Money and increase Indian Economy even if you are investing 2k everymonth

[@sibasankarbadatya7936]

I am not them and I am 27 I have around 4 L in stocks 1 L in Index fund MF 70K in NPS 3 L in PPF 1 L in FD 1 L in Saving Account

[@prggamingofficial1700]

Don't you think that,this should be here? Think more you 27 yrs old

[@sibasankarbadatya7936]

@@prggamingofficial1700 didn't get your question.

[@me23xfhg]

he is talking about gen Z who always copies west trying to impress everyone but spouse.

[@USBEN.]

Why reveal holdings? Targeting risk.

[@samgarg5228]

I guess we should not share this info online. M I wrong?.

[@AmanXdeep]

Thanks for this content-nobody really talks about this. Somehow, we all get lowkey tricked into buying more.

[@QuirkyAvik]

many people talk about this

[@ladhkay]

Only idiots do

[@snowymuffin]

The editing of this video is incredibly satisfying to watch and appears professionally done! ✨

[@Zero1byZerodha]

Kudos to the team 👏

[@faihan988]

0:12 wow! A grand total of twelve people. Such a large pool of people to reliably conclude gen Z is poor.

[@shomubhattacharjee5660]

Make it 1200, the result won't change. Every single statistical data is indicating the same

[@lifedose1000]

I wonder why everyone is interested in genZ tho

[@shubhamgarg09]

Because they are the latest generation to join workforce​@@lifedose1000

[@dashder12]

@@lifedose1000 because gen z is the new generation in terms of coming to workforce. aka genz are new adults and their spending habits and social habits will dictate more or less current india's future prospects and how this would impact upcoming generations

[@4rocraagas3]

​@@shomubhattacharjee5660 the sample size is really important in getting an accurate result. Trust me, I've studied that stuff all my life

[@greeshmganesh628]

Which is why I don't buy OTT subscriptions. Pirate everything guys.

[@Poeticnight191]

🤣😂🤣😂

[@kshitizsingh3954]

😂

[@anshul2675]

I am watching this on modded youtube which doesn't show me add and also have background play

[@kkviks]

lol

[@armankhan487]

Link?

[@08pkz]

One of the best edited video, loved each part of it. May the upcoming generation learn from these mistakes and make better choices going ahead! Thank YOu for leading a change! 💯

[@karan-cz2jy]

Just recently came across your one of videos. That effort you put in for research and data made me a subscriber. And I found your videos are so detailed, understandable and relatable. Thanks for the efforts. Whatever you are believed to do while creating this channel is working now. Yes, your videos are shaking our belief factors in a good way and making changes. Keep empowering society.

[@chandrasekharravenur8047]

☠️ Don't trust his words , he is tricking you to save money from over spending Thanks & Regards All e-commerce,fast delivery apps

[@maitri653]

😂

[@Zero1byZerodha]

😂😜

[@rounakUWU]

Personal Finance & Financial discipline should be a mandatory subject in today's education system🙏thank you for such valuable content

[@yasabhishek]

I just love you guys, your content is amazing. Nothing like it. No BS, No promotion, just straight to the point. LOVE YOU GUYS, KEEP MAKING SUCH VIDEOS :)

[@poojabennabhaktula4883]

Zero1 trying to educate me more than my Btech Degree ever did. Kudos!

[@Zero1byZerodha]

😅😜

[@biswajitbiswas8873]

I am from 1984. Didn't know what to do in life. Spent week with RS 250 in hostel life. Got nokia in 3rd year college. I am a Doctor 🙏.

[@damndozer]

Rich old guy you are

[@abhijeet3135]

You were rich.

[@anandmishra-wl3ks]

where are you from?

[@Son_OfKing]

@damndozer old?

[@AbhishekSharma-yw8vv]

The sad part is, this video won't get the views and appreciation it deserves, because people don't want to admit to their mistakes especially when it comes to financial decisions. This video reminds me of a very famous quote from a movie - "We buy things we don't need, to impress people we don't like, with the money we don't have".

[@AshishChavan2904]

Movie name please

[@AbhishekSharma-yw8vv]

@AshishChavan2904 Fight Club (hollywood one) trust me this movie could change the way you live life.

[@vikashprasad23]

This movie and the Truman show

[@AbhishekSharma-yw8vv]

@@vikashprasad23 thanks for suggestion

[@ramakantabehera5074]

​@@AbhishekSharma-yw8vv 1st rule tod diya😂

[@Mr.NadeemKhan]

Much Appreciated - Awesome content. this is the video that needs to be displayed at billboard 👍🏻

[@glenrodrigues6629]

Start using ad blockers. Saves lives.

[@anantharao5237]

Extremely well articulated video. Saving is easy when there are less opportunities to spend!!

[@yogesharora8421]

Thank you for this video! Appreciate your efforts to save our generation. Please keep this series continued, love it.

[@Zero1byZerodha]

🙌

[@Pankaj1205]

Thanks god , no AD in this video . 😅

[@gshrout]

I don't know. Mine is premium.

[@mwase7782]

​@gshrout nobody asked you man 😊

[@ashishIMpro]

Thank my ad blocker. No ad anywhere on phone. Lol

[@shubhamtariyal439]

@@gshrout This is exactly the type of expenses he was talking about in the video. The Irony.

[@gshrout]

@@shubhamtariyal439 okay mine is premium but i have the justification for my membership cause first of all i got discount of 10-20 % as i earn some rewards from google opinion rewards. With the premium i watch and listen to youtube and music ad free not to flex anybody that i use premium. I have a proper budget for my entertainment needs not like mindless expenses.

[@binayakcreations]

Totally agree! Social media, easy credit, and rising living costs make it hard to save or get ahead. Financial education is key for us to break the cycle.

[@TheGuhan1804]

Nice touch to go ad-free on this video if that was intentional :-P Also the bgm crescendo at the end! Appreciate the efforts behind :)

[@ashishsarpe6805]

I don't know how to thank you for such honest and awesome content . It's need of the hour!

[@arjunrebel4946]

Kudos for showing the dark reality of High-Fi life of this Generation. This is happening with almost 90% of the youth across the world.

[@GamerAshish14]

I dont use any social media except youtube (use with premium) . not aware of any trends and have no peer pressure. I save almost 90 percent of my income. just leave social media, you won't miss much after some time.

[@divvidgamer2832]

Best channel i came across in 2024 so far. Really the content helped a lot & guided in taking the next step more clearly. Thanks to the team for making such useful content.

[@sayandutta8440]

EMIs are really good if used properly. People can buy for example 100K iphone if their income is sufficient to afford it but if their investments are earning an average 12-14% each year then its better to take some no cost EMI for example 6 months instead of paying lumpsum. It hold even in larger things, if you are buying a car worth 20 lac then first thing is you should be capable to afford it after maintaining all present expenses and saving activities. Then if you are gaining 12-14% yearly on your investments then instead of lumpsum take a loan for car and invest that amount properly, you can get lower rates for good credit score. EMIs are good but the user needs to be disciplined. Older people were disciplined in managing their finance, people now are opposite indulging into impulse buying of expensive things when they see others around.

[@kavitaiyer9971]

We also pay more taxes than our parents and we are taxed on several instances of purchasing so....

[@LifeGeneralist]

Most of this inflation is due to iPhone sales, other products and services have minor upstep in costs anyway which replaces other traditional products and services

[@basimarahman]

I Hope to reach this video in GenZ algo. and this was very much alarming, eye opening educative, informative also the boom of fintech can also be studied. very well presented

[@aayushmaurya2223]

25 year old self employed, don't have a credit card (neither I will ever have one). Never took money on credit. Waited 1.5 years to buy myself a phone worth 150k without emi or sacrificing on savings and my longterm portfolio investments, waited and budget another 4 months before buying high end ear buds and watch. Living life the "old" way, life style inflation (luxury spend) only after asset inflation (portfolio investments).

[@sachin-j6r3u]

I'll not call it prudent either because if it takes 1.5 yrs of savings for just a phone..it simply means you didn't effort it.

[@nayan.j]

Credit cards are good. Use it wisely.

[@aayushmaurya2223]

@@nayan.j Completely agreed. But it is way too convenient to fall down the pit of pay later. So I avoid it.

[@aayushmaurya2223]

@@sachin-j6r3u And before you ask how (or maybe someone else does): SIP into ETFs (for portfolio) and buying bonds and liquidbees with the leftover money for any luxury that I want in the future which accumulates interest until I actually withdraw and buy that liability with full payment.

[@aayushmaurya2223]

@@sachin-j6r3u No I did not spend all of savings on the phone. I invest for my longterm portfolio, keep aside my emergency fund and then the leftover I save (in bonds or liquidbees) until I actually go ahead and buy any luxury that I want.

[@Chets]

Superb, I see u as a finance influencer but I see you using iPhone and watch ultra, I feel like buying for my self as well.

[@LokendraSingh-ug3xq]

Lmao

[@yogesharora8421]

Sure, if you are earning as good as him at this point of time, the whole point is this + somewhat rationale decisions for buying.

[@adityantamarapu6239]

Buy it without credit 😂

[@chotatothefirst]

Think for yourself. There is nothing wrong with buying what you can afford. The keyword being "afford".

[@aravindv9291]

Finally a no BS video from this guy

[@rubyciide5542]

Im earning 2x less than my dad with 2x more graduations than him, he is foing agriculture in a village 💀💀💀

[@dsbond3759]

How much you earn

[@albertnewtonify]

What is "foing"?

[@chotatothefirst]

@@albertnewtonify doing

[@milap8989]

Ig this resonates with the quote: "jhukne vale bahut hain, sirf jhuka ne vala chaiye"

[@SAGAR1BHANDARI481]

salute to your presentation,

[@rushikeshganne]

Very well said Sir. Adding to inflation, taxes (both direct and indirect) are heavily imposed on us which is taking away our future power of buying.

[@comicalchef]

I recently subscribed to your channel. I think it's the best buy, free of cost.

[@harshitagupta9804]

I think people need to understand that instagram and scrollable media is not really bringing any value to our lives and we are just wasting a significant amount of our time which we don't have in abundance. I'm 23 now and i don't believe that 2025 is coming soon and i used to write 2013 as a date on my homework. Those days were so good without phones

[@pritesh-og]

Oh maaan, the first 40 seconds absolutely hooked me into watchign this entire video - too good!!

[@Gaumukh]

I heard stories from my dadi ma how she restarted her life after India’s partition. At that time, she started her life all over with 8 kids. What I learned 1. You don’t need as much is advertise on media 2. All you need to cover body : few clothes. 3. Do not need to shop every year for objects and clothes 4. Save money 5. Live with in your chadar 6. Grass is always greener on the other side, so do what you have to do for your life 7. My dadi Ma’s favorite line, kisi da karza nayi dena asi”

[@SKEngineer995]

So true 😮 Naa kisi to lena, naa kisi daa dena. Khaane ko roti, pehn de liye kapde, rehne de lyi mkaan.

[@Gaumukh]

@ yes! Do you remember that show where this guy was given an opportunity to get any land he wanted on one condition , he had to cover the ground by foot at sunrise and come back to the same starting point by sunset. He covers so much land by midafternoon, but he gets greedy and keeps running to get more and more. By the time he turns around and starts to make it back, his body just gives up and he dies. Then the show ends with the following , all he needed was “ do bheega zameen “

[@SaadGolandaz]

Syia earning 75k pm at age of 26 is good. Meanwhile here I’m stuck at 25k pm at age of 26. Not sure what the heck am I doing wrong

[@tomshaji]

Depends on the job you do

[@ashraf_isb]

the background music was so cool, thanks for the information btw

[@gunaalangunaalan9520]

dude your vids are awesome

[@cyclonous6240]

Older generation had money in their hand so whenever they tried to pay anything, They knew something physical (actual cash) going out of their hand in order to get something. This logic made them spend on only necessary things and prevented them from overspending. It wasn't like they didn't have spare money. They definately did. Today we just pay for the stuff in a single click and on EMIs so we don't "feel" money going out of our pocket as every money is in the bank account. For us, it is just a number increasing and decreasing at the end of the month. For the older generation it was actual money they used to feel. Even I think twice before spending money by cash than UPI or credit cards.

[@Zero1byZerodha]

True! Back then, giving cash felt real-you’d actually feel the money leaving. With UPI and credit cards, it’s just a tap, and the pain only hits later when you check your balance.

[@abhilashkumarpanda7064]

Now that's what I call real content.Great one.

[@entername3840]

The issue with companies are if the people buy overpriced products in EMI the companies will increase the cost down the line because people are purchasing overpriced products... Now if the people doesnt purchase overpriced products and the sales are low then the companies will rethink their pricing strategy. It's just that gen z just goes into debt and is just making things expensive.. 😢

[@Sahil-g7h-w2y]

Wow, so we all Gen-Z are responsible for whole crime, war, inflation, price hike, and all such? Sir you dropped this 👑 Stop blaming us and stop licking arses of crony capitalist.

[@geek_for_life]

Thanks 🙏🏻 ZeroOne Team for Awareness 🔥 Videos like these for Gen Z!!

[@ladhkay]

No. Her story is not my story. I hate clutter so hate buying anything unnecessary, just makes my apartment look smaller Show me all the ads in the world and I still wont buy it

[@ShashankAtree]

The content we need ❤

[@shakirkhan2087]

Great video. It was fun to watch and learn

[@shubhamagarwal8981]

Extremely insightful and relatable, can we have the link to studies and research papers mentioned

[@KrishnarajSooji]

Sir, keep creating such informative and education videos. I watch your videos and truly appreciate your efforts and effective ways to impart the knowledge on audience. Kudos!

[@venbas2]

My college going kid has spent 10K in a month on Google playstore itself whilst claiming its for project work!!! Cut off the pocket money... but to think of the distractions the Gen Z has is truly mind boggling 😢

[@GoofyRecaps]

Thats such a poor sample rate

[@sudeepkolavi3391]

Never hesitate to tell the hard truths. I really appreciate zero1. Thank you every one for priceless and life-saving content. One more thing in need to mention Pratheek sir has transformed too well in his fitness💪👏.

[@Zero1byZerodha]

Yes he did lose 6 kgs, another 2 to go! Thank you for the love ❤️

[@rohan4600]

I saw my father saving money and investing it. Thank you bapu😁

[@JohnnySimp]

Thank god to my common sense that i quit social media (except KZbin). These companies doesn’t have any ways convince me to buy something unless “They make me an offer I can’t refuse”.😂

[@AshishKumarSahu.]

This is why I love your videos.

[@champ_champ]

Man that was so insightful, although we all know what is right or wrong

[@Srimudit]

11 lacs is a lot of money. And the scary part is it is consumption and not some investment. No body in their right minds should spend more than 60% of their salary on discretionary spending.

[@sha.shankz]

man I tell you, I went to sketchers yesterday n the employees all had latest iPhones n Apple Watches, krazy stuff i phone used to be a luxury but now

[@dhruvhsachdev]

I think everything adds up, they target us with tempting advertisement, then we have credit card which incentivise us to spend through milestone benefits.

[@Toomuch_xan]

Thanks for the enlightenment! 😊

[@Zero1byZerodha]

🙌

[@sunilkumarkatta9062]

Thank you ❤

[@Autolayout]

Those animations are amazing. I loved the style. Give your animator a kudos from me. 🎉

[@mohitmittal6776]

Love this series !!

[@ankitmehta1379]

There are also scams happening on BNPL platforms, also a reason why transactions growing, Stay safe guys ✌🏻

[@somaskhan]

Plz add education loan also into it. Nowa days 10lac education loan is so normal...and this goes to 20 30 50 lac as well...

[@praneetpawar4784]

Damn, the thumbnail was really good !! Made me click it and hooked on for the whole video.

[@sonam_19]

Same here!

[@stevenclive8910]

I'm 28 now, but since I spend wisely I have a backup saving for about 2 years.... Though I'll admit it might be coz of salary discrepancy now a days.

[@vedant6603]

Most of them are probably earning for themselves not like us who are 23 and giving all our money at home. These statistics is not correct i am from genz too so many of my office mates who are around same age and fully contributing so we don't even buy neceesary things sometimes.

[@inderjanakarajan9389]

Need more detailed video regarding this. Maybe a series!

[@ToonXTech]

Seriously even after i well planned with my budget there is still getting big holes for unnecessary spends (I can't able to escape from that trap and consumption) currently my budget is save: 40% (MF+ physical gold) Needs:30% wants: 30% Some times my needs going to 45-50% (God damn infaction on food and unnecessary needs (maybe wants)) Hope time decides whats going to happens with my gen z life😂...

[@apoorvamishra7456]

Explained wonderfully, recommend making a financial goal planning video, keeping in mind GenZ needs & desires.

[@pratikdugam5612]

Guilty of all of these mistakes and more. Anyways it's a very paowefull message. Thanks for coming out with such great content

[@pokerboy72]

It is not entirely the mistake of the generation. I remember in the '90s my father was just a day-to-day wage worker. He could have a house. Have two kids feed three mouths at house thereafter sent me to a CBSE school. And today the inflation is so much getting a proper housing or even meeting the smallest of luxuries. Your salary is nothing considering this expenditure.

[@AjayVenkateshS.R-ei1rj]

Actual and harsh truth

[@AjayVenkateshS.R-ei1rj]

Real truth revealed

[@AjayVenkateshS.R-ei1rj]

The prices have gone up, indicating private sector companies greed for money that like you said, even basic things are expensive 😮

[@sreesanthsasidharan3841]

The older generations didn't have to live with crazy rents, taxes, inflation and low pay.

[@at_the_rate]

Can we get the link to the wallpaper used in the monitor.😅

[@paggi93]

I wanted it too!

[@yogeshjani2714]

Exactly my thoughts

[@randomstranger7989]

Bus yahi bolna hai prateek ji ka, zyada dekha dekhi pe mat jao. Wallpaper toh theek hai, isse zyada nahi 😂

[@anveshverma4116]

I literally wrote the same lol

[@sanjay.k4482]

Take a screenshot and search in google lens. Done

[@radha_the_Artist]

i'm a 1990 kid didn't have much access to internet during college time! used to spend 1500 in a month in hostel time! am a doctor now and persuing master's degree! but i also have that sexier chart of ott and online shopping

[@ritakalpachakraborty4815]

Great content!

[@CubeTitles]

Good work ❤ Keep Enlightening everyone ❤

[@suparnasarkar4282]

GenZ be like 1. iPhone kharid lete hai 2. High end dresses kharid lete hai 3. Relationship me aaye to high end restaurants/ CCD me jaate hai, starbucks me jaate hai 4. Wedding me pre wedding, events kar lete hai.... Boom! Salary ka paisa EMI me bye bye ho raha hai!😅 Maximum brilliant students ko bhi nehi pata assets aur luxury items me difference kya hota hai!😢 School level se hi awareness create karna chahiye. Money management is very important!

[@avishekm1985]

I have been using credit card for last 15 years but till now my bank was not able to charge me a single rupee till date. In addition I got cashbacks, offers etc. We should always know how much we can leverage. Budgeting is very important in one's life. If I want to make a big ticket purchase, I always brood over it for a month. If I still think, then I buy it. And segmental inflation is much much more higher than even 12%. And with rupee depriciating, inflation will bite us like never before. Before I bought my Google Pixel 7 a few years back I thought over it for more than a month, deciding whether I can afford it.

[@shadesofsayan]

Criticising Credit Cards is a popular trend, because People can't critcise their indiscipline and forgetfulness. Here's what everyone needs to know: If you are paying in cash upfront, then you are paying more!

[@avishekm1985]

@@shadesofsayan exactly

[@saurabhthakur100]

If you use a credit card, you end up buying things you don't need. Because of offers, to get points, to get lounge access, and so on. No one can escape the credit card trap!

[@shadesofsayan]

@@saurabhthakur100 There comes the indiscipline part, it has nothing to do with Credit Cards as a rational financial instrument.

[@arunchakravarthya]

The one video i needed to share in my family whatsapp group to all my 6 teen niece and nephews.. I know they're gonna hate me

[@balsara675]

Dint like the tee. Very colourful

[@viratforever21]

People not able to keep money calmly has always been there its just easier to purchase things today

[@jagadeeshr91]

also pls talk about previous generation's financial mistakes and its burden on us😑

[@sumanmaiti9097]

"This video is amazing, but it would be even more helpful if you could create one explaining how to figure out what we can truly afford mathematically, especially based on current salaries and expenses. A step-by-step strategy for managing finances during a quarter-life crisis-budgeting, saving, and prioritizing-would be a game-changer for so many of us. If you think this would help you too, please like this comment so the creator can prioritize it and make it happen faster!"

[@ullaslr7961]

Hello ChatGPT.. 😅

[@sumanmaiti9097]

Hi, human Tumhe dekh ke laga evolution ka process abhi bhi beta version mein hai 🔥 , 😂 ( just kidding brother don't take it seriously ❤) ​@@ullaslr7961

[@sumanmaiti9097]

Hi, human Tumhe dekh ke laga evolution ka process abhi bhi beta version mein hai 🔥 ( just kidding brother don't take it seriously) ​@@ullaslr7961

[@HaemantIsher]

amazing video graphics!!

[@AbhishekSingh-jk8si]

Only impulse buying. Add Income tax and GST and inflation which is taking maximum share of our income

[@vijayabv]

Delayed Gratification is the secret of financial freedom. I Love The Marshmallow Experiment .

[@sssurajcr7]

Very well explained 👏🏻

[@Zero1byZerodha]

Thanks a tonne ❤

[@RajveerSingh-vf7pr]

Hey zerodha, tell me this. Imagine you got your bonus of 50k, and you have it in your bank account. Whenever you want to make any purchases, you do it from this but make sure that every month end, you recover the difference from your salary... Fundamentally, how is this different than BNPL?

[@gadgettrendsarkar2050]

8:55 I loved this part so bad!!

[@amanmeshram-m4o]

For this generation saving should be deducted similar like interest or SIP as soon as salary dropped in the account .....this generation should learn delayed gratification .

[@kushagrahans94]

Very useful economic analysis backed by rigorous data.