8 Financial Moves More Millennials Are Making in 2025

Millennials are taking a fresh approach to money in 2025. They’re making choices that fit today’s economy instead of following outdated advice. Many are switching up how they save, invest, and spend. Essentially focusing less on rules and more on what actually works. Here are eight financial moves they’re making right now.

Prioritizing Financial Education

Millennials are prioritizing financial education, and it’s paying off. More and more are taking online courses, listening to finance podcasts, and reading books about money. By educating themselves on budgeting, investing, and debt management, they’re becoming more confident in making money decisions that benefit their future.

Switching to High-Interest Savings Accounts

With rising inflation, millennials are increasingly moving away from traditional savings accounts that offer little return. Instead, they’re opening high-interest savings accounts that help their money grow more efficiently. These accounts offer higher interest rates than standard savings accounts, helping millennials combat inflation and build their emergency funds faster.

Investing in Real Estate Sooner

Real estate investing is no longer reserved for older generations. Millennials are jumping into the housing market earlier, especially in areas with growing job markets and affordable properties. Whether it’s buying a home to live in or investing in rental properties, millennials are finding ways to build wealth through real estate earlier in life than past generations.

Using Investment Apps to Get Started

With the rise of investment apps, millennials are becoming more comfortable with investing, even if they don’t have much experience. Apps like Robinhood, Acorns, and Betterment allow millennials to start investing with small amounts of money and even automate their investments. These platforms make it easy to dive into stocks, ETFs, and other investment options without the need for a financial advisor.

Seeking Work-Life Balance While Earning More

Work-life balance is a major priority for millennials, and they’re negotiating better pay while maintaining flexibility. Many millennials are switching to freelance work, side hustles, or remote jobs that offer more autonomy over their schedules. By finding income streams that align with their personal values, they’re able to earn more while also maintaining a healthy balance between work and personal life.

Rethinking Retirement Savings

Millennials are rethinking how they save for retirement. While some continue to rely on 401(k)s, others are exploring alternative retirement accounts like Roth IRAs and Solo 401(k)s for side hustlers. Many millennials are also making retirement contributions earlier, recognizing that the earlier they save, the more they’ll benefit from compound interest. They’re focusing on building long-term wealth, not just getting by in their later years.

Cutting Back on Expensive Habits

Millennials are paying closer attention to how daily habits affect their money. Instead of spending on takeout or random subscriptions, they’re shifting how they spend. More are cooking at home, skipping impulse buys, and using apps to track their budget. These small changes help them stay on track and build better habits that last.

Diversifying Investment Portfolios

Rather than sticking to just stocks and bonds, millennials are diversifying their investment portfolios to include a variety of asset classes. They’re investing in real estate, cryptocurrency, peer-to-peer lending, and even collectibles like art and rare items. By spreading their investments across different areas, they’re protecting themselves from market volatility and setting themselves up for long-term growth.

Protecting Their Finances With Insurance

In 2025, millennials are getting smarter about protecting their financial futures. They’re more likely to invest in insurance plans, such as life, health, and disability insurance, to safeguard their incomes and assets. They’re also increasingly aware of the importance of renters’ insurance, especially for those living in cities. Insurance provides peace of mind and financial security, making it a smart investment in the long run.

The New Financial Mindset

Millennials are showing that managing money doesn’t have to be overwhelming. They’re learning more, starting to invest earlier, and staying open to new ways to grow their income. These simple steps are helping them build a stronger financial future. And if you haven’t started yet, there’s still time to make progress.

13 Smart Money Goals Most People Are Overlooking

When you think of financial goals, the usual ideas—paying off debt, saving for retirement, and buying a home—probably come to mind. But there’s so much more to financial health than the obvious. Some goals fly under the radar but can make a significant impact on your long-term stability and peace of mind. Here are 13 often-overlooked financial goals that will help you gain control over your money and future. 13 Smart Money Goals Most People Are Overlooking