American parents educate their children to be independent from an early age. Most American students have to pay for their own living expenses after they turn 18. If they live in their parents' house, they also need to pay a certain amount of "rent" to their parents. In this case, most American college students rely on part-time jobs to earn living expenses. Although college tuition in the United States is very expensive, college students can easily obtain loans from banks. 80% of the American students I know rely on loans to maintain their studies. Therefore, the first money American college students earn after graduation is usually used to pay off student loans.

John, a graduate student in the Department of Economics from Denver, said that after a few years after graduating from college, when their lives are stable, young Americans usually make some venture investments, but the capital invested is generally very small. For himself, he usually divides his money into two parts, with only 20% used for risk investment, buying stocks or funds, and the rest is deposited in the bank for conservative spending. John is 31 years old and has just started a family. He, who once worked in a bank, said that many young people in the United States usually consider their "future value" when investing. In other words, they will comprehensively consider their own knowledge and economic development trends to make an estimate of their future "earning ability." Young people with higher estimates are more likely to make risky investments.

American economists’ prediction that “the U.S. economy will go downhill” has a certain impact on young people’s investment confidence. Noel, a 27-year-old from Hawaii, is currently studying for an MBA at a university in the United States. His plan after graduation is to manage his parents' family hotel. He believes that although the U.S. economy is stable, it will soon go downhill, so he will invest his money in real estate to "preserve its value."

Andree, a 26-year-old German, said that after young Germans have “spare money”, they usually go to banks for financial management advice. Because of the high risk of stocks, Germans are not very keen on investing in stocks, and most of them invest their money in safer government bonds. But what is interesting is that young Germans rarely invest in real estate that is safer than government bonds. None of the young people Andree knew owned property. He explained that the reason for this may be to add more possibilities to life, because there will be less possibility of mobility after owning a property. In a country like Germany with a relatively sound social welfare system, residents also have a strong awareness of insurance. According to Andree, the vast majority of young Germans have pension funds and plan for their retirement decades in advance.

Although compared to the United States and Europe, Thailand and China are geographically close and have many cultural similarities. But young Thai people also have their own characteristics in financial management. Thailand's stock market is not very popular among young people. They prefer to invest in real estate and cars. If they invest in stocks, they will also tend to be long-term, buying shares of large companies and collecting dividends. J works for a foreign company in Thailand. The 24-year-old spends most of her salary on food and clothing. At the beginning of this year, because the price of gold was trending very well, she used the money she saved to buy gold bars at her mother's suggestion. According to J, investing in gold bars is also another hobby of young people in Thailand.