The Influence of Economic Status, Financial Literacy, Financial Management on Z Generation’s Lifestyle using Consumptive Behavior as Moderation Variable

With the existence of internet technology and wireless telecommunication networks, it is easier for humans to connect. The generation that most exposed changes in information Z generation. Generation or Gen also known as iGeneration, net are generations born between 1996 2012. Today's lifestyle has become an individual group identity. People's interest various goods influenced by their they buy reflect lifestyle. This type research uses quantitative research. population this study Surabaya. sampling technique purposive using Lameshow formula. sem analysis (structural equation modelling) based on components variants, namely partial least squares (pls), smart pls 3.0 software which consists inner model outer model. Financial literacy a significant effect with support negative influence directions. Consumptive behavior does not moderate financial towards direction support. significantly moderates management positive direction. economic status influences. Economic unidirectional influence.