"Moneymaxxing," a movement aimed at financial improvement, encourages people to maximize their budgets by trimming recurring expenses, redeeming rewards points — a related trend known as "pointsmaxxing" — and stashing extra cash in a high‑yield savings account. It's a "cultural shift," Sun said, one that's "not about living with less, but rather it's about seeking more for yourself." 'Frugality made cool again'Moneymaxxing is "frugality made cool again — I love it," said Brad Klontz, a Boulder, Colorado-based psychologist and certified financial planner. Over half of millennials and 72% of Gen Zers still rely on their parents for financial support, according to Northwestern Mutual's 2026 Planning and Progress study. "Instead of jumping from one money trend to the next in search of a quick fix, moneymaxxing focuses on creating everyday habits to create long-term financial success," she said.