Value-semantic attitude to money: gender aspect

The article analyzes the gender aspect of the attitude to money and the choice of financial strategies of behavior. Many problems related to finance are not related to money as such, but to the attitude of individuals towards it. Despite the presence of common characteristics of the value-semantic attitude to the phenomenon of money among men and women, they perceive some phenomena of economic reality differently. There are certain developments in psychology and social sciences on this topic, but the gender characteristics of money perception are still poorly understood. The article provides a brief description of the results of foreign and domestic research in this area, as well as data from a survey of students of Lomonosov Moscow State University conducted by the author in May-June 2023. The analysis of the sociological survey data showed that girls tend to worry more about money issues and they are more often dissatisfied with their financial situation. This also causes a difference in the financial strategies of boys and girls. The student youth expresses a desire to increase their income, but the desire to maintain the available income is more typical of the male part of the student body, and the mood to increase existing savings is female. For young men, money is important as the main condition for success and self-realization. For girls, money is more a means to achieve a sense of freedom and security. These features also affect the financial practices of the respondents. For example, the practice of income-expenditure management is more typical for male students. To a lesser extent, girls have a point of view that making money requires a significant return in captivity of efforts, therefore, in order to earn a lot, you need to work more. When asked by students about choosing a financial strategy for behavior, the most popular answer was the statement «it is better to work less and earn more».