"we don't feel financially secure…"

is what half of 23,000 Gen Zs told Deloitte's survey.

this anxiety isn't just about money. it's about trust, a lack of trust, really.

when trust breaks, it all runs downhill.

where does all our money go?

why aren't banks more helpful?

why are they raking massive profits?

who set this up system?

how do I even start to understand it?

wait, are the skills and school I'm taking right now even going to matter?

—> we eventually end up at the big question: can we even trust ourselves with money?

when your finances are shaky, everything crumbles

• your ability to focus on classes? —> gone

• your confidence in job interviews? —> tanking

• your mental well-being? —> taking hit after hit

financial anxiety isn't a money problem, it's an everything problem.

it's the invisible hand working against us. it shapes how we study, how we experience college, how we plan our careers, even how we imagine our future.

can you really plan a career when you can’t plan for rent?

nobody prepared you for this. financial skills aren't taught in class. you remember a “financial literacy” video or presentation in your campus welcome email but you never clicked the link.

most of the advice you get is either too basic —> "yo, just budget."

or too much —> "spice up your retirement portfolio with a sprinkling of low-cap stocks."

nothing fits your actual reality:

• managing student loans

• part-time gigs

• random income streams

• trying to save something, anything, for an emergency fund

all of this weighs you down while you’re supposed to be building your future.

do you see how financial literacy may be the skill gap holding you back?

how do fix this? can we fix this?

the answer is complicated. but on a personal level, it starts with a mind shift.

change the way you think about money, then you can learn to manage it.

money is the foundation, not the goal

the survey suggests financial skills and career planning work hand in hand. it also suggests Gen Z isn't overly obsessed with getting rich. Gen Z is after what Deloitte calls the trifecta:

money, meaning, and well-being

its starting to fit together.

it's hard to build meaningful career skills when you're stressed about buying groceries. so if you can remove this stress, things start getting clearer.

manage your money + fix the stress —> find your zen

the data proves it. students with positive mental well-being are 50% more likely to feel their work (internships, summer jobs, career plans) contributes meaningfully to society.

when a negative mindset creeps, that sense of purpose disappears.

3-part plan for dealing with money stress

#1 - your prep: change your money mindset

money shouldn't be your end goal, its just part of the equation. build a productive money mindset. start looking at money as part of a bigger plan. it helps you focus on your end goals. the small sacrifices you may have to make feel easier to manage because you are working for the things that actually matter.

#2- your play: sort your finances now, don't wait for…

the foundation you build now, right now, will open up more opportunities. it can allow you to take unpaid internships, negotiate harder on salary, or explore your preferred career path instead of the easy one.

there's no shame in prioritizing financial skills as a student. getting your money sorted isn't shallow, it's strategic.

#3 - your move: just start

treat financial clarity like a musical instrument. just pick it up and start playing. you don't need to know the theory before you start. learn by doing.

you just need:

1 - a little curiosity

2 - the ability to see where your money comes from

3- a way to track where your money goes.

that's it. you'll get better and you'll start to see your actual spending patterns. they're probably different from what you think. soon, you'll be able to make informed decisions based on data.

no panic, no guesswork. just facts. clarity.

the big picture is not about perfection. it's about having enough visibility and control to stop money stress from hijacking your focus.

when you see clearly —> you can act intentionally.
when you act intentionally —> you start building real financial security.
when you have the foundation —> you can afford the mental space to focus on what you really want.

your next move?

stop treating financial skills separate from your education and career prep. they're all needed to get you to where you wan to be. stop waisting time and energy by constantly worrying about rent, groceries, or whether you can afford to go out with friends.

when you have clarity, you'll know the answer and you can focus on the important things.

start today. start now.

you're not bad with money

you're just navigating a tough landscape with tools that were designed for other generations.

we don't live in spreadsheets

nobody does. this is why we don't use what's already out there. it's time to find something built for the way you live your life. something that's on your side and can help you build that trust.

clear, easy, and relevant. if you want to get good with money, make it about you.

it's time for Copi.