Spending habits among Gen Z have become a major talking point again after a recent viral video featuring Muhammad Noor bin Zakaria, known online as MadNor. His blunt advice about overspending, impulse buying, and financial discipline has sparked widespread discussion—especially as young Malaysians face new economic pressures moving into 2026.

While the delivery may be blunt, the message is clear:

Financial discipline is becoming increasingly important — especially as we move into 2026.

This blog post breaks down MadNor’s key points and reframes them into practical, relevant insights for today’s youth and TVET students.

Why is this conversation still relevant in 2026?

Because the financial landscape keeps changing, and not always in our favour. In 2026, young Malaysians are facing:

• Rising cost of living

• AI-driven online advertising that encourages impulsive purchases

• Subscription-based spending becoming the norm

• BNPL platforms becoming more accessible — and more tempting

• Increasing pressure to maintain a “soft life” lifestyle for comfort and self-care

In short, the challenges are more complex now than they were a few years ago.

So yes — the conversation triggered by MadNor’s video matters.

What MadNor Highlighted: His Core Messages

1. “Control your spending.”

His biggest concern is the habit of small, frequent, unnecessary purchases. These expenses seem harmless, but they accumulate quickly and quietly.

2. “Set goals before you spend.”

He emphasises the importance of saving for meaningful milestones — education, career development, transportation, or long-term security — instead of chasing every new trend.

3. “Avoid loans for lifestyle.”

With BNPL and micro-loans becoming more common, it’s easy to fall into debt for momentary pleasures. His message is simple: short-term satisfaction should not create long-term financial strain in your spending habits.

4. “Discipline is protection, not punishment.”

Financial discipline isn’t about limiting enjoyment. It’s about safeguarding the future.

Why This Hits Hard for Gen Z and TVET Students

Students today live in a digital world designed to influence behaviour. Algorithms track preferences, emotional patterns, and spending habits — often pushing users to buy things they didn’t plan for.

Combine this with lifestyle pressure, social comparison, and financial uncertainty, and it’s no surprise many young people feel overwhelmed.

But the good news?

Spending habits can be learned, strengthened, and adapted — just like any skill.

Turning MadNor’s Message Into Practical 2026 Tips

1. The RM50 Rule: Turn impulse into savings

Every time you make an unplanned purchase, set aside RM10–RM50 into your savings.

This builds awareness and turns impulsive behaviour into positive action.

2. Create a “soft life” budget, not a free-for-all

Enjoying comfort is valid — but structure helps.

A simple budgeting formula for 2026:

• 50% essentials

• 30% lifestyle

• 20% savings

This way, enjoyment doesn’t derail long-term progress.

3. Prioritise skills over possessions

Trends fade quickly, but skills open opportunities.

Investing in:

• short courses

• certifications

• practical training

• entrepreneurship tools

…provides a return on investment far more valuable than impulse purchases.

4. Use BNPL responsibly (or not at all)

If BNPL must be used, follow the 1–1 rule:

• Only one BNPL commitment at a time

• Pay it off within one salary cycle

This prevents accumulating hidden debt.

5. Build a “Starter Life Plan” for your future

Students — especially those in TVET programmes — benefit from outlining:

• Education pathways

• Expected expenses

• Emergency funds

• Career goals

• Monthly commitments

Planning creates stability, which reduces financial stress.

Conclusion: The message is uncomfortable, but necessary

MadNor’s viral video may have sparked debate, but the essence is constructive:

young people deserve guidance, not judgement.

Gen Z is not “lazy” or “careless” — they are navigating a world where spending is encouraged at every turn. With proper financial habits and self-awareness, they can take control before external forces take control of them.

At FAME, we believe in empowering our students not only with technical skills, but also with the mindset and financial literacy needed for a stable future.

2026 belongs to those who plan for it.