What is the definition of financial goals? How to measure young adults’ financial goals?

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Financial goals are specific objectives that individuals set to achieve desired financial outcomes, guiding their saving, spending, and investment decisions. These goals can be categorized as short-term (e.g., saving for a vacation), medium-term (e.g., buying a car), or long-term (e.g., retirement planning) and help individuals maintain financial discipline and direction.

To measure young adults' financial goals, researchers can utilize surveys that assess goal clarity, prioritization, and progress tracking. Additionally, interviews can provide qualitative insights into their motivations, challenges, and strategies for achieving these financial objectives.