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Gen Z Universe (#MoneyMood)

 

“Girl Math, Boy Math & Broke Math: Why Gen Z’s Financial Strategy Is Pure Vibes”

By: Ms. Delulu, CPA (Certified Public Aesthetics)

Let’s talk money, babes — or lack thereof.
Because according to my bank account, I'm broke.
But according to my lifestyle? I’m Beyoncé’s secret niece.

Welcome to Gen Z Math — where the numbers don’t math, but the outfit ate.

Girl Math:

  • If I paid for it last week, it’s basically free today.
  • If I return something, that’s income.
  • $50 on nails isn’t “spending,” it’s “maintenance.”
  • Coffee is $7, but therapy? Girl be serious.
  • If my man pays for it, I saved money. Period.

Girl Math says I deserve that $300 skincare haul because Mercury was in retrograde and my man didn’t text back fast enough. Emotional distress = financial permission.

Boy Math:

  • Boy math is thinking a $100 haircut and $400 rims on a $2,000 car is a flex.
  • It’s buying a PS5 but sharing a Netflix account with your ex's cousin.
  • It’s saying “I don't believe in labels” but tracking your sneaky link’s every Instagram like.
  • And let’s not forget: “I’ll invest in crypto,” but can't invest in deodorant.

Boy math is buying bottle service for strangers but ghosting you over a “busy week.” The delusion is gender-neutral, but these numbers? They don’t even make decimals anymore.

Broke Math (aka Gen Z’s official currency):

  • Klarna, AfterPay, and Zip are our sugar daddies.
  • “I got it on sale” = “I didn’t really buy it.”
  • “I only have $23 but payday is in 6 days” = I’m basically rich.
  • “If I ignore my bank notifications, they can’t hurt me.”
  • “I just need to go viral once and I’ll be up.”

Financial planning? No baby, we’re manifesting. I lit a candle, meditated to SZA, and told the universe I want a Chanel bag. That’s budgeting in 2025.

We don’t need traditional financial advice — we need vibes, alignment, and someone to send a little “Just because” Cash App. Stability is cute, but have you ever swiped your card and prayed? That’s character development, baby.

Ms. Delulu’s Bottom Line:

We’re not reckless — we’re romantic with money.
We spend for the plot.
We shop for serotonin.
And if that bill collector wants their coin, tell them to wait until I hit a million on TikTok.

Get your money up, honey — or find someone that has.
Either way, make sure your outfit screams “rich,” even if your wallet’s whisperin’ “help.”

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