Employees increasingly face financial challenges due to limited resources and rising living costs, making personal financial management knowledge essential. This study examines the influence of education, financial literacy, income, and lifestyle on the financial management of millennial employees in Denpasar City. Using a mixed-methods approach, quantitative analysis is applied to test the proposed model, while qualitative insights enrich interpretation. The findings aim to provide deeper understanding of key factors shaping millennial employees’ financial practices and to serve as a basis for developing more effective financial literacy programs. Ultimately, this research seeks not only to advance knowledge in financial management but also to support the financial well-being of employees in the workplace.
Sudarmini et al. (Sun,) studied this question.