It’s always time to fill your financial cup. In a world shaped by rapid technological change, global challenges, and economic uncertainty, Gen Z (born mid-1990s to early 2010s) and Gen Alpha (early 2010s onward) must take a new approach to financial wellness. For today’s youth, money is more than numbers—it’s about freedom, values, and long-term security.

Filling Your Financial Cup

“Young people today are digitally fluent and socially aware,” says Bertie Nel, Head of Financial Planning and Advice at Momentum. “They want financial independence and purpose. Ethical investing, side hustles, and value-driven money decisions are important to them.”

A Self-Care Essential for Gen Z and Alpha

But financial conversations are still taboo in many South African homes. Nel warns this silence could be holding young people back. With rising living costs, limited job security, and minimal financial education, Gen Z and Alpha face unique challenges their parents didn’t.

Why Financial Self-Care Matters

One of the biggest myths is that financial advisers are only for the wealthy. Nel dispels this, saying: “Financial advisers are not just for retirement planning. They help young professionals, freelancers, and side hustlers build confidence and clarity.”

Professional Advice is for Everyone

Modern advisers act as financial coaches, guiding clients to align their money with their values, dreams, and lifestyle.

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10 Money Moves to Fill Your Financial Cup

Here are Nel’s top 10 tips to help Gen Z and Alpha take control:

1. Track Your Spending – Use apps or spreadsheets to understand where your money goes.

2. Build an Emergency Fund – Save 3–6 months of expenses for unexpected events.

3. Smart Debt Management – Focus on high-interest debt but don’t ignore the rest.

4. Invest Early – Start small and let compound interest work its magic.

5. Financial Education – Learn via books, podcasts, and workshops.

6. Set Clear Goals – Define short- and long-term money targets.

7. Grow Your Credit Score – Pay bills on time and manage debt wisely.

8. Spend Mindfully – Choose needs over wants and save where possible.

9. Side Hustles – Leverage digital skills for extra income.

10. Insure What Matters – Protect your income, health, and assets.

Financial Wellness is True Self-Care

In a fast-paced world, it’s easy to focus on quick wins, but true self-care includes financial empowerment. “Filling your financial cup is a daily act of self-respect,” Nel concludes. “It’s time we treat money with the same care we give our mental and physical health.”

READ MORE: Why Adult Children Are Cutting Their Parents Out of Their Lives