Cultivating Visionary and Financially Literate Generations: Pathway to Socioeconomic Resilience Among Youth

Adebayo Oluwatosin; Didit Darmawan

Authors

Adebayo Oluwatosin Obafemi Awolowo University, Nigeria
Didit Darmawan Universitas Sunan Giri Surabaya

Keywords:

youth, vision, financial literacy, personal failure, self-development, financial management, motivation

Abstract

This literature-based study examines the close relationship between the lack of vision among today’s youth and their low enthusiasm for financial literacy, revealing significant threats to personal and social stability. The shift toward an instant-gratification lifestyle and the neglect of future-oriented thinking frequently led to failures in self-management and financial planning. Young people who do not prioritize clear life goals are more vulnerable to impulsive decisions and financial instability, thereby increasing their risk of repeated setbacks. The loss of focus on long-term objectives, compounded by weak financial insight, has adverse consequences for personal development, mental health, and career progression. Moreover, this situation limits their ability to adapt to rapid changes in the labor market and technological advancements, making it increasingly difficult for them to overcome social and economic barriers. Addressing these issues requires the integration of visionary values and financial literacy into both formal education and family environments. Governments, educational institutions, and families must play an active role in establishing accessible, motivating learning systems that nurture forward-thinking and sound financial practices. By fostering this synergy, young generations can be better equipped to make strategic life decisions, build resilience, and achieve sustainable well-being.

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