The management of Argentina’s money has undergone several changes in recent months. The “normalization” of the macroeconomy and a stabilization of the price update in the economy affected consumption habits and the management of domestic budgets. According to a private study Households’ ability to save has “shrinked” in recent months.
A new study about brain network, The consulting firm specializing in financial services with 25 years of experience analyzes these dynamics using a sample of 500 people from middle and middle to high socioeconomic levels who own at least one bank account or digital wallet. The work carried out in November 2025 draws an accurate map of how they save, invest and make economic decisionsArgentines aged 21 to 65.
However, one of the main results of the work is that More than 80% of respondents said they believe it is important to save every month, while only 13% said they manage to do so regularly. 56.2% said they “barely” cover their monthly expenses and at the same time more than half said their ability to save had decreased in the last semester.
The consultancy stressed that the decline in annual inflation, which was above triple digits two years ago, is changing the perception of savings for many households. “Saving used to mean consuming: bringing forward purchases or expenses that would mean higher costs in a few months. “This flies in the face of the traditional idea of savings, which means sacrificing current consumption to improve future prosperity.”
The report also found a relative financial knowledge among respondents (more than 60% said their understanding of investing is medium or low), which in turn is linked to a position more defensive or conservative in terms of money management. Among those who manage to save, over 70% say they do so to protect themselves against eventualities, and only 13% say they do so purely out of habit to save money or increase their wealth.
That is, the higher the income level, the greater the ability to save, and in return this sector has a higher knowledge of investments, which allows it to make “riskier” bets with a higher return. At the other extreme, the majority of the population has less and less savings because they have less scope to allocate money for savings and investments and because they have little knowledge.
“The context and economic history characterize people’s habits and choices in terms of savings and investments, in frameworks of greater or lesser uncertainty, protection against inflation, evolution of currency value and other aspects that have always influenced the decisions of Argentines. The market has managed to approach in a much simpler way, both in terms of usability and in the communication format of the solutions, which has allowed its expansion and a greater interest in new solutions,” said Lionel Holzman, CCO & Value Offering Head of Brain Network.
Although the dollar is still a psychological – and often functional – thermometer for the Argentine saver. The report reveals an interesting nuance: only 35% consider it the only safe alternative. This means that two out of three Argentines no longer see it as the exclusive option.
Part of this change is related to the proliferation of new tools and the greater ease of use of platforms that allow diversification without advanced technical knowledge. Other money management tools include paid accounts, fixed-term accounts, and dollar accounts; at the same time from other modalities that have greater growth potential, such as funds, bonds/stocks and cryptocurrencies.
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