This report shines a light on young people’s relationship with money. It also provides insights into how this relationship intersects with matters of family, employment and the pandemic. The findings will be of interest to young people, those supporting young people, financial service providers, and governments at state and federal levels.

This report explores the use of Buy Now, Pay Later (BNPL) among Good Shepherd clients, the impacts being seen from its use, and the role of BNPL in exploiting financial insecurity.

The findings in this report signal directions for policy development that will alleviate economic disadvantage and contribute to a fairer future for the Life Chances participants and their families, and all Australians.

As Australia reopens, it is easy to feel that the worst of the COVID-19 crisis is over. However, this analysis suggests recovery for many will be slow, with ongoing struggles making ends meet.

This third paper in the 'Financial Lives in Uncertain Times' series explores trends in financial wellbeing during the fleeting period of recovery between the pandemic-related lockdowns of 2020 and 2021.