A 2024 survey conducted by SberInsurance of Life and cited by News sheds light on the money expectations of Russian students. The study reveals that many students aim for a monthly salary around 100,000 rubles in the current year. This figure reflects a notable shift in earnings ambitions when compared with prior years and signals changing perceptions of what constitutes a sustainable early career income.
Over the course of 2023, respondents showed growing optimism about earning potential, with the average dream salary rising by roughly a quarter. In that year, the same group of students had estimated their ideal income at about 80,700 rubles per month, illustrating a measurable surge in financial goals among the younger generation. This progression suggests that students are calibrating their expectations to align with evolving economic conditions and job market realities, including inflation, cost of living, and regional differences in compensation.
Financial independence stands out as a central motivator among students. A striking majority, around 88 percent, define a decent salary as the key to achieving personal financial autonomy. This emphasis on self-sufficiency highlights how money is seen not merely as funds for consumption but as a gateway to freedom, decision-making power, and long-term security for many young adults.
Beyond earnings, a significant portion of students looks to financial instruments as a practical path to freedom. Deposits, savings accounts, and life insurance programs are commonly viewed as essential components of a balanced strategy to build wealth and manage risk. This trend reflects a broader awareness of the importance of savings discipline, diversification of assets, and protective coverage that can withstand unexpected events.
Entrepreneurship and real estate also feature prominently in the plans of Russian students. About 34 percent see starting their own business as a route to improved financial well-being, while 23 percent express interest in owning rental real estate. These figures suggest a preference for asset-building strategies that can generate passive income or scalable revenue streams, even as students balance academic commitments with practical investment steps.
Questions about pensions and long-term financial planning have surfaced in conversations among young people. Prior surveys indicated a lack of clear understanding regarding how pension systems operate and how they fund future retirement. The new data appear to reflect a continuing need for accessible information on pension concepts, retirement planning, and the potential impact of demographic trends on future benefits. This gap underscores the importance of education and transparent communication from financial institutions and policymakers to help students make informed choices about saving for retirement and securing a stable financial future.