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Financial Landscape of Beauty and Wellness Students and Graduates

To better understand the financial behaviors, challenges, literacy, and emotional well-being of students and graduates from beauty and wellness programs in the U.S. This study will help us understand each generation, including Gen Z but not limited to it, providing data-driven insights to support educational content, resources, and policy recommendations aimed at improving financial literacy and confidence within the beauty and wellness industry.
SECTION 1: Demographics
Please select the option that best describes you:
1.I am currently enrolled in a school for one of the following programs(Required.)
2.If you answered "graduate" for question 1 please share what year you graduated and from which program(s)(Required.)
3.If you answered "graduate" for question 1 please describe what you are currently doing for work (check all that apply if you have more than 1 job).
4.What is your gender?
5.What is your ethnicity?
6.What is your highest level of education completed?
7.What is your current employment status?
8.What is your approximate annual income before taxes?
9.What year were you Born?
SECTION 2: Financial Independence & Support
10.Are you currently financially independent from your parents or guardians?
11.Do you receive any financial assistance from your family for the following expenses? (Select all that apply)
12.At what age did you begin managing your own personal finances (e.g., paying bills, budgeting)?
13.Do you currently live with your parents or guardians?
SECTION 3: Financial Behaviors & Habits
14.Do you actively use a budget to manage your finances?
15.Do you feel a sense of money anxiety? That is, feeling a sense of fear, angst, or dread when discussing the topic of finance and money?
16.Which financial tools do you use regularly? (Select all that apply)
17.How often do you check your bank or financial accounts?
18.What best describes your saving habits?
19.What percentage of your income do you save or invest each month?
20.Do you have an emergency fund?
An emergency fund is money set aside, usually enough to cover 3 to 6 months of your essential living expenses that you can easily access in case of unexpected events like job loss, medical emergencies, or urgent repairs.
21.Do you feel in control of your day-to-day financial decisions?
SECTION 4: Debt & Credit Use
22.Do you currently carry any of the following types of debt? (Select all that apply)
23.What is your total non-mortgage debt (excluding housing)?
24.Have you ever missed or been late on a loan or credit card payment?
25.Do you regularly use Buy Now, Pay Later services for purchases?
26.What is one area where you frequently spend more money than you'd like?
27.Do you understand how interest and Annual Percentage Rate work when using credit cards or loans?
SECTION 5: Financial Literacy & Confidence
28.On a scale of 1–10, how would you rate your overall financial literacy?
Financial literacy means the ability to understand and manage your money effectively. This includes how to save, budget, spend wisely, and make informed financial decisions.
0
10
29.What are your biggest financial concerns for when you graduate? (Select all that apply)
30.Have you ever received any formal financial education?
31.How confident are you when making the following financial decisions? (1 being not confident at all, 10 highly confident)
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2
3
4
5
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8
9
10
Budgeting
Choosing a bank account
Maintaining a good credit score
Paying back student loans
Understanding & Paying Taxes
Investing for the future/Retirement
Getting out of debt
32.Where do you usually turn for financial advice? (Select all that apply)
SECTION 6: Financial Wellness & Mental Health
33.How often do you feel stressed about money?
34.Have you ever delayed medical care or other essential needs because of finances?
35.Have financial issues ever affected your academic or job performance?
36.What are the top 3 words you associate with “money”?
37.What financial goal feels most urgent to you right now?
38.Would you be interested in financial coaching, mentorship, or group learning?
End of Survey

Thank you for your participation. Your responses will help us build more relevant and effective resources for Gen Z’s financial success.
Current Progress,
0 of 38 answered