Hmm I don't think it's crazy that they fail because (I agree with you) we seldom look at the underlying explanations - why is it so hard to keep to a resolution, for example. I also think we set unrealistic expectations without proper strategizing - like "I'm gonna lose weight!". And the thought begins and ends there often, then we're disappointed we're not Kate Moss or whatever on Jan 3rd and give up. How? How much weight per, say, week? How will you maintain it? We fall short on that.

I'm (at least) trying to look after my money better too. Doing the savings account thing, though here it feels like a scam. Maybe it's different in other parts of the world, but the return on these is so pitiful, you're only making bank (moderately) if you put in a lot of money to begin with, which not everyone can.

As to why Gen Z fails to save money (I only started the video, but iz long, will come back later 'cause it seems interesting though), I do think they're being told to spend more. Increasingly, our value system is being tied to spending and materialism, and I think for a teenager, it's very tempting to assert themselves by buying shit they don't really need or trying to follow a certain glam lifestyle they've seen online. Idk I'm sure that's oversimplifying it, but it's the best I got for now. :)

Thanks for the food for thought!