澳大利亚研究显示，老一代澳大利亚人每年为年轻一代提供超过1400亿澳元的日常财务支持，超过1200万澳大利亚人以某种形式支持年轻的成年家庭成员。1这一现象被称为"助推经济"，反映出年轻一代面临的日益加剧的财务压力。
在住房市场中，代际财务援助的角色尤为突出。1接受调查的房屋业主中，30%表示获得了家庭购房帮助，而四年前这一比例仅约10%。1与此相关，8%的受调查房屋业主表示家人为其全额购买了房产。1十分之一的澳大利亚人表示，需要依靠继承才能实现购买房产等重大财务目标。1
年长一代提供的支持涵盖多个方面：42%以现金形式提供帮助，34%用于购买日用品，33%用于支付餐饮消费，30%购买衣服，19%帮助偿还债务，19%支付休闲旅游费用，14%购买汽车。1展望未来，澳大利亚60岁以上人群可能在20年内向年轻一代转移约3.5万亿澳元。1
Australian research has uncovered a substantial informal financial transfer system, with older generations providing more than $140 billion annually in everyday financial support to younger Australians, a phenomenon researchers term the "booster economy."1 Over 12 million Australians contribute in some form to supporting younger adult family members.1
The scale of assistance in home purchases has grown notably, with 30 percent of surveyed homeowners reporting they received family help to buy property, compared to approximately 10 percent four years ago, according to Finder research.1 An additional 8 percent of surveyed homeowners stated that family members fully funded their property purchase.1 This shift reflects mounting financial pressures faced by younger Australians in an increasingly expensive housing market.
The financial support takes diverse forms. Forty-two percent of recipients report receiving direct cash gifts, while other common forms of assistance include paying for groceries (34 percent), restaurant meals (33 percent), clothing (30 percent), leisure activities (19 percent), and vehicles (14 percent).1 Nineteen percent of younger family members have also received help repaying debt.1
One in ten Australians indicate they would need to receive an inheritance to achieve major financial goals such as home ownership.1 Looking ahead, older Australians aged 60 and above are projected to transfer approximately $3.5 trillion to younger generations over the next two decades.1
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