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在社交媒體購(gòu)物的千禧一代和Z世代都后悔了

CHLOE BERGER
2023-09-27

人們總會(huì)以某種方式遭遇網(wǎng)絡(luò)購(gòu)物陷阱,其中年輕用戶受影響尤為嚴(yán)重,。

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與其他幾代人相比,,Z世代和千禧一代更容易在社交媒體上沖動(dòng)購(gòu)物,。圖片來(lái)源:GETTY IMAGES

哪怕最強(qiáng)大(或最節(jié)儉)的人,也可能因?yàn)槭謾C(jī)購(gòu)物吃虧,??赡芤?yàn)樵贔acebook Marketplace上詢問(wèn)1英里范圍內(nèi)能不能買到椅子,也可能因?yàn)閾屬?gòu)某個(gè)網(wǎng)紅戴著看起來(lái)很可愛(ài)的耳環(huán),,或者老大不小了還買史萊姆起泡膠玩具,,人們總會(huì)以某種方式遭遇網(wǎng)絡(luò)購(gòu)物陷阱,其中年輕用戶受影響尤為嚴(yán)重,。

成長(zhǎng)過(guò)程中與網(wǎng)絡(luò)接觸更多的幾代人發(fā)現(xiàn),,自己最容易受網(wǎng)絡(luò)購(gòu)物吸引,。Bankrate針對(duì)3500多人的一項(xiàng)新調(diào)查顯示,大多數(shù)Z世代(60%)和千禧一代(61%)承認(rèn),,過(guò)去一年中曾經(jīng)因?yàn)樯缃幻襟w沖動(dòng)購(gòu)物,。老一輩也很難拒絕最新廣告里小工具或新奇海報(bào)的誘惑,不過(guò)他們自認(rèn)為受影響較??;42%的X一代和34%的嬰兒潮一代承認(rèn)今年曾經(jīng)在網(wǎng)絡(luò)上沖動(dòng)購(gòu)物。

“年輕人尤其容易被體驗(yàn)左右,,”Bankrate高級(jí)行業(yè)分析師泰德·羅斯曼告訴《財(cái)富》雜志,。“盡管我們沒(méi)追問(wèn)受訪者沖動(dòng)購(gòu)物的種類,,不過(guò)我估計(jì)旅行,、餐飲、音樂(lè)會(huì)門票和體育賽事等體驗(yàn)型商品是消費(fèi)主力,,”他還補(bǔ)充說(shuō),,婚禮和派對(duì)等活動(dòng)的服裝和相關(guān)支出可能也會(huì)起到一定推動(dòng)作用。

盡管沖動(dòng)購(gòu)物絕非個(gè)例,,不少購(gòu)物者還是會(huì)后悔一瞬間的選擇,。不過(guò)沖動(dòng)購(gòu)物最少消費(fèi)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(dòng)購(gòu)物花費(fèi)418美元,后悔的比例達(dá)62%,。與此同時(shí),,千禧一代花費(fèi)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(dòng)消費(fèi)加重負(fù)擔(dān)

這并非年輕一代第一次公開承認(rèn)社交網(wǎng)絡(luò)導(dǎo)致的額外經(jīng)濟(jì)壓力。2023年德勤(Deloitte)第12次Z世代和千禧一代的年度調(diào)查顯示,,超過(guò)一半的Z世代和千禧一代承認(rèn),,社交媒體經(jīng)常鼓勵(lì)購(gòu)買超出承受能力的東西。與此同時(shí)有報(bào)道稱人們對(duì)財(cái)務(wù)非常焦慮,,也很擔(dān)心當(dāng)今的生活成本,。

其實(shí)沖動(dòng)購(gòu)物可能屬于年輕一代的及時(shí)行樂(lè)文化,這種文化主要因?yàn)槟贻p一代成長(zhǎng)于資本主義后期和氣候變化的當(dāng)下,,希望借此暫時(shí)擺脫對(duì)生存和財(cái)務(wù)的恐懼,。與沉重的學(xué)生貸款和買房的巨大壓力相比,網(wǎng)絡(luò)上的小額購(gòu)物簡(jiǎn)直不值一提——或許這也是霉運(yùn)總相隨的千禧一代內(nèi)疚感最低的原因,。

不過(guò)網(wǎng)絡(luò)購(gòu)物有時(shí)會(huì)出現(xiàn)更陰險(xiǎn)的轉(zhuǎn)變,,影響人們的心理健康和財(cái)務(wù)狀況,。德勤調(diào)查發(fā)現(xiàn),網(wǎng)購(gòu)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(xiàng)研究發(fā)現(xiàn),,商業(yè)推廣社交媒體帖子刺激的沖動(dòng)消費(fèi)會(huì)讓消費(fèi)者對(duì)自身財(cái)務(wù)感覺(jué)很差。

Bankrate最新調(diào)查得出的結(jié)果也很類似,,Z世代和千禧一代最可能認(rèn)為社交媒體宣揚(yáng)不切實(shí)際的生活方式,,帖子內(nèi)容是為了讓某人看起來(lái)比實(shí)際更成功。各世代生人當(dāng)中都超過(guò)一半承認(rèn)該點(diǎn),,不過(guò)只有12%的受訪者承認(rèn)自己也要為相關(guān)行為負(fù)責(zé)任。千禧一代和Z世代在社交媒體上看到其他帖子后,,對(duì)自身財(cái)務(wù)狀況不滿的可能性最高,,并表示社交媒體對(duì)自己理財(cái)方式存在負(fù)面影響。

盡管廣告可能看起來(lái)有趣又勵(lì)志,,但社交媒體對(duì)人們錢包的影響可沒(méi)什么“點(diǎn)贊”或“點(diǎn)亮紅心”之說(shuō),。(財(cái)富中文網(wǎng))

譯者:馮豐

審校:夏林

哪怕最強(qiáng)大(或最節(jié)儉)的人,也可能因?yàn)槭謾C(jī)購(gòu)物吃虧,??赡芤?yàn)樵贔acebook Marketplace上詢問(wèn)1英里范圍內(nèi)能不能買到椅子,也可能因?yàn)閾屬?gòu)某個(gè)網(wǎng)紅戴著看起來(lái)很可愛(ài)的耳環(huán),,或者老大不小了還買史萊姆起泡膠玩具,,人們總會(huì)以某種方式遭遇網(wǎng)絡(luò)購(gòu)物陷阱,其中年輕用戶受影響尤為嚴(yán)重,。

成長(zhǎng)過(guò)程中與網(wǎng)絡(luò)接觸更多的幾代人發(fā)現(xiàn),,自己最容易受網(wǎng)絡(luò)購(gòu)物吸引。Bankrate針對(duì)3500多人的一項(xiàng)新調(diào)查顯示,,大多數(shù)Z世代(60%)和千禧一代(61%)承認(rèn),,過(guò)去一年中曾經(jīng)因?yàn)樯缃幻襟w沖動(dòng)購(gòu)物。老一輩也很難拒絕最新廣告里小工具或新奇海報(bào)的誘惑,,不過(guò)他們自認(rèn)為受影響較?。?2%的X一代和34%的嬰兒潮一代承認(rèn)今年曾經(jīng)在網(wǎng)絡(luò)上沖動(dòng)購(gòu)物,。

“年輕人尤其容易被體驗(yàn)左右,,”Bankrate高級(jí)行業(yè)分析師泰德·羅斯曼告訴《財(cái)富》雜志?!氨M管我們沒(méi)追問(wèn)受訪者沖動(dòng)購(gòu)物的種類,,不過(guò)我估計(jì)旅行、餐飲,、音樂(lè)會(huì)門票和體育賽事等體驗(yàn)型商品是消費(fèi)主力,,”他還補(bǔ)充說(shuō),,婚禮和派對(duì)等活動(dòng)的服裝和相關(guān)支出可能也會(huì)起到一定推動(dòng)作用。

盡管沖動(dòng)購(gòu)物絕非個(gè)例,,不少購(gòu)物者還是會(huì)后悔一瞬間的選擇,。不過(guò)沖動(dòng)購(gòu)物最少消費(fèi)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(dòng)購(gòu)物花費(fèi)418美元,后悔的比例達(dá)62%,。與此同時(shí),,千禧一代花費(fèi)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(dòng)消費(fèi)加重負(fù)擔(dān)

這并非年輕一代第一次公開承認(rèn)社交網(wǎng)絡(luò)導(dǎo)致的額外經(jīng)濟(jì)壓力。2023年德勤(Deloitte)第12次Z世代和千禧一代的年度調(diào)查顯示,,超過(guò)一半的Z世代和千禧一代承認(rèn),,社交媒體經(jīng)常鼓勵(lì)購(gòu)買超出承受能力的東西。與此同時(shí)有報(bào)道稱人們對(duì)財(cái)務(wù)非常焦慮,,也很擔(dān)心當(dāng)今的生活成本,。

其實(shí)沖動(dòng)購(gòu)物可能屬于年輕一代的及時(shí)行樂(lè)文化,這種文化主要因?yàn)槟贻p一代成長(zhǎng)于資本主義后期和氣候變化的當(dāng)下,,希望借此暫時(shí)擺脫對(duì)生存和財(cái)務(wù)的恐懼,。與沉重的學(xué)生貸款和買房的巨大壓力相比,網(wǎng)絡(luò)上的小額購(gòu)物簡(jiǎn)直不值一提——或許這也是霉運(yùn)總相隨的千禧一代內(nèi)疚感最低的原因,。

不過(guò)網(wǎng)絡(luò)購(gòu)物有時(shí)會(huì)出現(xiàn)更陰險(xiǎn)的轉(zhuǎn)變,,影響人們的心理健康和財(cái)務(wù)狀況。德勤調(diào)查發(fā)現(xiàn),,網(wǎng)購(gòu)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(xiàng)研究發(fā)現(xiàn),商業(yè)推廣社交媒體帖子刺激的沖動(dòng)消費(fèi)會(huì)讓消費(fèi)者對(duì)自身財(cái)務(wù)感覺(jué)很差,。

Bankrate最新調(diào)查得出的結(jié)果也很類似,,Z世代和千禧一代最可能認(rèn)為社交媒體宣揚(yáng)不切實(shí)際的生活方式,帖子內(nèi)容是為了讓某人看起來(lái)比實(shí)際更成功,。各世代生人當(dāng)中都超過(guò)一半承認(rèn)該點(diǎn),,不過(guò)只有12%的受訪者承認(rèn)自己也要為相關(guān)行為負(fù)責(zé)任。千禧一代和Z世代在社交媒體上看到其他帖子后,,對(duì)自身財(cái)務(wù)狀況不滿的可能性最高,,并表示社交媒體對(duì)自己理財(cái)方式存在負(fù)面影響。

盡管廣告可能看起來(lái)有趣又勵(lì)志,,但社交媒體對(duì)人們錢包的影響可沒(méi)什么“點(diǎn)贊”或“點(diǎn)亮紅心”之說(shuō),。(財(cái)富中文網(wǎng))

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 “l(fā)ike” or “heart” about the way social media weighs on our wallets.

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