There are several reasons why young people face difficulties saving money, and here are some possible reasons:
1. Employment opportunities and salary levels: In modern society, young people face competitive pressures and instability in the job market. Many young people face difficulties in finding employment, low salaries, and uncertain job prospects, which makes it more difficult to save money.
2. High cost of living: The cost of living is constantly rising, including things like rent, food, transportation, and healthcare. Young people have to pay high rents, school fees and daily expenses, making it more difficult to save.
3. Student Loans and Debt: Many young people face huge amounts of student loans and debt after completing their education. These loans are highly repayment-stressed, making it difficult for them to save with less disposable income.
4. Consumer attitudes and Xi: Some young people may tend to pursue instant gratification and have a higher demand for consumer goods and experiences. They may be more inclined to spend money on eating, drinking, and being merry rather than saving.
5. Lack of financial literacy and planning: Many young people lack knowledge and planning when it comes to financial management, and don't know how to manage their finances properly. They may not have established a savings Xi or investment philosophy.
These factors also have intertwined influences. However, despite the difficulties, there are steps young people can take to improve their savings, such as budgeting for their own situation, controlling spending, seeking better career opportunities and upgrading their skills, and learning Xi and practicing effective money management. Building a sense of savings and developing good financial Xi are important for young people's future financial stability and goal achievement.