More than 50% of Gen Z and millennials are budgeting their spending based on how the economy feels|Giphy
Forget spreadsheets—Americans are now budgeting based on vibes. A report from Intuit Credit Karma reveals 44% of adults are practicing “vibe-based budgeting,” adjusting their spending based on how the economy feels.
Gen Z and millennials are leading the trend, with over half in each group saying headlines and social media are driving their money decisions.
Even though 72% report stable or improved cash flow, nearly half say the constant doom-and-gloom related to tariffs, layoffs, recession fears, and economic uncertainty makes them second-guess their financial health.
Many are reacting by cutting back—45% have slashed nonessential expenses, while 38% are avoiding new debt.
But there’s a silver lining: those adjusting their budgets feel more confident, with 38% expecting better finances in the year ahead.
Vibes might not pay the bills, but they’re definitely shaping how Americans approach their wallets.