学生的生活费问题表面上只属于经济领域，但实际上涉及到学生的人生观、价值观和世界观的表征与形成。学生的种种观念通过生活费的收入/分配/支出得到表征或是区分，在此过程中又因互动的结果产生了观念的变化。从“零花钱”到“生活费”，从与家人的共同生活到自立生活，这之间便有一个“生活的形成过程”。然而大多数研究者在研究学生的经济行为时，都将学生看作是一个“消费者”，并以此作为其基本预设。本文就此提出一个“持家者”的预设，也就是从学生的成长过程着手，将其看作是从原生家庭分离、初次面临独力料理生活这一考验的人，尤为注意其独立过程。为此，共选取了12位在读本科学生作为访谈对象，展开深度访谈。

On the surface, the issue of students' living expenses only belongs to the economic field, but in reality, it involves the representation and formation of students' outlook on life, values, and worldview. The various concepts of students are characterized or differentiated through the income/distribution/expenditure of living expenses, and in this process, changes in concepts occur as a result of interaction. From 'pocket money' to 'living expenses', from living together with family to living independently, there is a' process of life formation 'between them. However, most researchers view students as a "consumer" when studying their economic behavior, and use this as their basic premise. This article proposes a hypothesis of "homekeeper", which starts from the growth process of students, viewing them as individuals who have separated from their original family and are facing the test of independent living for the first time, paying particular attention to their independent process. For this purpose, a total of 12 undergraduate students were selected as interviewees for in-depth interviews.