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@article{190539,
        author = {Dr.Sarika Wagh and Ms. Sanika Kulkarni},
        title = {A Study of Saving, Spending and Investment Behaviour in Transitional Millennials Dink Vs Non-Dink Couples},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {2384-2389},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190539},
        abstract = {India has a huge population of Millennials. With rapid urbanization we witness a change in family structure in current times majorly among millennials. As millennials transition through different phases of life including career growth, marriage and parenthood. These factors impact their saving, spending and investment behaviour. The paper is a comparative study of saving, spending and investment of two subgroups of the Millennial population- the DINK’s and the Non-DINK’s, between the age group of 29-35 years (referred as Transitional Millennials) in this paper. Researching on this contemporary topic will enhance the understanding on future patterns in saving, spending and investment behaviour. The significance of study is that financial approach of both the groups have an impact on economy.  Therefore, for the present study survey method was found fit for data collection. The sampling technique used is convenient sampling. To draw inferences from the data collected independent t-test was run. The findings of the study exhibit significant observations such as DINK couples exhibit very different financial behaviour compared to Non-DINK couples.  DINK couples save significantly more compared to Non-DINK couples, they (DINK) have high risk appetite compared to Non-DINK’s and they spend more on discretionary items compared to Non-DINK couples. This study is useful for financial planners, investment consultants, policymakers and businesses so that they can offer tailor-made customized products to cater to the needs of both the segments.},
        keywords = {DINK’s, Non-DINK’s, millennials, saving, spending and investment behaviour.},
        month = {January},
        }