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Our research examines the financial goals, knowledge, self-esteem, attitudes and strategies of young people studying in Hungarian higher education ( N  = 2557) by classifying youngsters into three groups. Anxious unwary: they are characterized by both living for the day and anxiety, they choose external control strategies, (advantageous marriage, wealthy family). Prudent risk-averse: who are thoughtful, frugal, avoid taking risks. They choose an internal control strategy: budgeting and hard work. Consciously confident: their knowledge and skills are outstanding, their confidence is realistic. They are entrepreneurial and risk-taking choosing long-term, internal control strategies to achieve their financial goals that help them grow their income.

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The Anxious Unwary, Prudent Risk-Averse, and Consciously Confident – Financial Goals, Competencies and Strategies of Young People Studying in Higher Education