Financial attitudes of young Poles reflected in new report
The 2025 Young Money Matters report by Cook Communications explores the financial attitudes and behaviors of Poles aged 18–35. Home ownership remains the top financial priority, with 17% citing it as their main goal and 13% already holding a mortgage. However, high property prices and limited rental options make ownership difficult—purchasing an average apartment requires 7.9 annual salaries (8.9 in Warsaw). Consequently, 73% believe the state should provide greater housing support.
Economic pressures are prompting 68% of young Poles to consider moving abroad for better income or career growth. Despite their ambitions, financial stability remains a challenge: one-third (33%) have savings covering only a month or less of expenses, and 44% rely on family support. Average savings equal 2.4 months’ salary, while living costs continue to rise.
Young Poles prefer traditional savings accounts (52%), though interest in credit cards (41%) and cryptocurrencies (19%) is growing. Investment in stocks (13%) and funds (10%) remains limited. Financial education is weak—only 10% learned about money management in school, relying instead on the internet, social media, and parents.
Cook Communications’ CEO Joe Cook notes that while young Poles remain ambitious, improved housing policy, education, and savings tools are vital to their financial future.
(WBJ)
