哪怕最強大(或最節儉)的人,也可能因為手機購物吃虧。可能因為在Facebook Marketplace上詢問1英里范圍內能不能買到椅子,也可能因為搶購某個網紅戴著看起來很可愛的耳環,或者老大不小了還買史萊姆起泡膠玩具,人們總會以某種方式遭遇網絡購物陷阱,其中年輕用戶受影響尤為嚴重。
成長過程中與網絡接觸更多的幾代人發現,自己最容易受網絡購物吸引。Bankrate針對3500多人的一項新調查顯示,大多數Z世代(60%)和千禧一代(61%)承認,過去一年中曾經因為社交媒體沖動購物。老一輩也很難拒絕最新廣告里小工具或新奇海報的誘惑,不過他們自認為受影響較小;42%的X一代和34%的嬰兒潮一代承認今年曾經在網絡上沖動購物。
“年輕人尤其容易被體驗左右,”Bankrate高級行業分析師泰德·羅斯曼告訴《財富》雜志。“盡管我們沒追問受訪者沖動購物的種類,不過我估計旅行、餐飲、音樂會門票和體育賽事等體驗型商品是消費主力,”他還補充說,婚禮和派對等活動的服裝和相關支出可能也會起到一定推動作用。
盡管沖動購物絕非個例,不少購物者還是會后悔一瞬間的選擇。不過沖動購物最少消費也最低的人后悔的可能性反而最高:嬰兒潮一代平均每年在社交媒體上沖動購物花費418美元,后悔的比例達62%。與此同時,千禧一代花費最多,為1016美元,后悔的比例最低(55%)。Z世代支出位居第二,為844美元,后悔比例略高于千禧一代(58%)。
沖動消費加重負擔
這并非年輕一代第一次公開承認社交網絡導致的額外經濟壓力。2023年德勤(Deloitte)第12次Z世代和千禧一代的年度調查顯示,超過一半的Z世代和千禧一代承認,社交媒體經常鼓勵購買超出承受能力的東西。與此同時有報道稱人們對財務非常焦慮,也很擔心當今的生活成本。
其實沖動購物可能屬于年輕一代的及時行樂文化,這種文化主要因為年輕一代成長于資本主義后期和氣候變化的當下,希望借此暫時擺脫對生存和財務的恐懼。與沉重的學生貸款和買房的巨大壓力相比,網絡上的小額購物簡直不值一提——或許這也是霉運總相隨的千禧一代內疚感最低的原因。
不過網絡購物有時會出現更陰險的轉變,影響人們的心理健康和財務狀況。德勤調查發現,網購行為使Z世代和千禧一代陷入了焦慮的漩渦,去年Bankrate的另一項研究發現,商業推廣社交媒體帖子刺激的沖動消費會讓消費者對自身財務感覺很差。
Bankrate最新調查得出的結果也很類似,Z世代和千禧一代最可能認為社交媒體宣揚不切實際的生活方式,帖子內容是為了讓某人看起來比實際更成功。各世代生人當中都超過一半承認該點,不過只有12%的受訪者承認自己也要為相關行為負責任。千禧一代和Z世代在社交媒體上看到其他帖子后,對自身財務狀況不滿的可能性最高,并表示社交媒體對自己理財方式存在負面影響。
盡管廣告可能看起來有趣又勵志,但社交媒體對人們錢包的影響可沒什么“點贊”或“點亮紅心”之說。(財富中文網)
譯者:馮豐
審校:夏林
哪怕最強大(或最節儉)的人,也可能因為手機購物吃虧。可能因為在Facebook Marketplace上詢問1英里范圍內能不能買到椅子,也可能因為搶購某個網紅戴著看起來很可愛的耳環,或者老大不小了還買史萊姆起泡膠玩具,人們總會以某種方式遭遇網絡購物陷阱,其中年輕用戶受影響尤為嚴重。
成長過程中與網絡接觸更多的幾代人發現,自己最容易受網絡購物吸引。Bankrate針對3500多人的一項新調查顯示,大多數Z世代(60%)和千禧一代(61%)承認,過去一年中曾經因為社交媒體沖動購物。老一輩也很難拒絕最新廣告里小工具或新奇海報的誘惑,不過他們自認為受影響較小;42%的X一代和34%的嬰兒潮一代承認今年曾經在網絡上沖動購物。
“年輕人尤其容易被體驗左右,”Bankrate高級行業分析師泰德·羅斯曼告訴《財富》雜志。“盡管我們沒追問受訪者沖動購物的種類,不過我估計旅行、餐飲、音樂會門票和體育賽事等體驗型商品是消費主力,”他還補充說,婚禮和派對等活動的服裝和相關支出可能也會起到一定推動作用。
盡管沖動購物絕非個例,不少購物者還是會后悔一瞬間的選擇。不過沖動購物最少消費也最低的人后悔的可能性反而最高:嬰兒潮一代平均每年在社交媒體上沖動購物花費418美元,后悔的比例達62%。與此同時,千禧一代花費最多,為1016美元,后悔的比例最低(55%)。Z世代支出位居第二,為844美元,后悔比例略高于千禧一代(58%)。
沖動消費加重負擔
這并非年輕一代第一次公開承認社交網絡導致的額外經濟壓力。2023年德勤(Deloitte)第12次Z世代和千禧一代的年度調查顯示,超過一半的Z世代和千禧一代承認,社交媒體經常鼓勵購買超出承受能力的東西。與此同時有報道稱人們對財務非常焦慮,也很擔心當今的生活成本。
其實沖動購物可能屬于年輕一代的及時行樂文化,這種文化主要因為年輕一代成長于資本主義后期和氣候變化的當下,希望借此暫時擺脫對生存和財務的恐懼。與沉重的學生貸款和買房的巨大壓力相比,網絡上的小額購物簡直不值一提——或許這也是霉運總相隨的千禧一代內疚感最低的原因。
不過網絡購物有時會出現更陰險的轉變,影響人們的心理健康和財務狀況。德勤調查發現,網購行為使Z世代和千禧一代陷入了焦慮的漩渦,去年Bankrate的另一項研究發現,商業推廣社交媒體帖子刺激的沖動消費會讓消費者對自身財務感覺很差。
Bankrate最新調查得出的結果也很類似,Z世代和千禧一代最可能認為社交媒體宣揚不切實際的生活方式,帖子內容是為了讓某人看起來比實際更成功。各世代生人當中都超過一半承認該點,不過只有12%的受訪者承認自己也要為相關行為負責任。千禧一代和Z世代在社交媒體上看到其他帖子后,對自身財務狀況不滿的可能性最高,并表示社交媒體對自己理財方式存在負面影響。
盡管廣告可能看起來有趣又勵志,但社交媒體對人們錢包的影響可沒什么“點贊”或“點亮紅心”之說。(財富中文網)
譯者:馮豐
審校:夏林
Shopping while scrolling has likely hit even the strongest (or most frugal) of us at one point. Whether we’re asking if every chair within a 1-mile radius on Facebook Marketplace is “still available,” snagging those earrings that looked cute on some influencer, or buying slime as an adult, the online shopping bug finds us all in some form or another—hitting younger audiences especially hard.
The generations who grew up a bit more plugged in find themselves most vulnerable to the pull of online shopping. The majority of Gen Zers (60%) and millennials (61%) admit to impulse shopping because of social media in the past year, according to a new Bankrate survey that polled more than 3,500 people. Older generations aren’t immune to the siren’s call of the latest advertised gadget or novelty poster either, but say they’re less affected by it; 42% of Gen Xers and 34% of baby boomers admitted to impulse shopping online this year.
“Young adults are especially likely to be swayed by experiences,” Bankrate senior industry analyst Ted Rossman tells Fortune. “While we didn’t specifically ask about the types of impulse purchases respondents made, I suspect experiences such as travel, dining, concert tickets, and sporting events were key contributors,” he says, adding that he suspects clothing and related-spending for events like weddings and parties also played a role.
While no one seems to be alone in their impulse purchases, many shoppers are regretting their split-second choices. But it’s those who impulse shop the least—and who spend the least—who are most likely to have buyer’s remorse: Boomers, who spend an average $418 a year on social-media impulse purchases, at 62%. Meanwhile, millennials spend the most at $1,016, but are the least regretful (55%). Gen Z spends the next highest amount—$844—but is more regretful than millennials (58%).
Impulse spending weighs everyone down
This isn’t the first time younger generations have opened up about feeling extra financial pressure from their social feeds. More than half of Gen Zers and almost as many millennials admitted that social media encourages them to buy things they can’t afford, according to Deloitte’s 12th annual 2023 Gen Z and Millennial survey. That’s despite reporting high financial anxiety and concerns about today’s cost of living.
These impulse purchases could be part of the treat culture younger generations have developed in order to starve away the existential and financial dread of growing up during late-stage capitalism and climate change. In comparison to the overwhelming burden of student loans and the daunting task of homeownership, these minor purchases can often be a drop in the bucket—perhaps that’s why the perpetually unlucky millennials feel the least guilty.
But online shopping can take a more sinister turn at times, impacting our mental health and finances. The Deloitte survey found that this financial behavior was sending Gen Z and millennials into an anxiety spiral, and a separate Bankrate study from last year found that impulse spending from a sponsored social media post made consumers feel negatively about their finances.
Bankrate’s most recent survey yielded similar results, with Gen Z and millennials most likely to feel that social media promotes unrealistic lifestyles and that posts are made to make someone look more successful than they are. It’s a sentiment that more than half of all generations acknowledged, although only 12% of respondents admit that they are responsible for the same behavior. Millennials and Gen Zers were also the most likely to feel negatively about their financial situation after seeing others’ posts on social media and to say that social media has a negative impact on the way they manage their money.
While a sponsored ad can seem fun and inspirational, there’s not much to “like” or “heart” about the way social media weighs on our wallets.