I'm a 21-year old student living in Scotland. I have no student debt, and my $900 monthly budget pays for my fitness club, nights out, and frequent travel.

• Joshua is a 21-year-old from Berlin who lives in Glasgow, Scotland to attend school. 
• He shared his monthly budget, including groceries, a fitness center, and clubbing with friends.
• Help from his parents and no student debt give him flexibility with his expenses.

Welcome to Gen Z Dollars, a series covering what Gen Zers earn, save, and spend. We asked Joshua, a 21-year-old Berlin resident who attends the University of Glasgow, about his biggest spending categories and cost differences between Europe and America.

Occupation: Student and university employee

Monthly income: £700 (about $900), plus a £200 (about $250) stipend from his parents