Income Stability and Financial Resilience as Determinants of Well-Being Among Cruise Line Employees

This study examined income stability and financial resilience as determinants of well-being among cruise line employees residing in Pampanga, Philippines. A descriptive-correlational design was used with 128 respondents who met the study eligibility criteria and were selected through purposive screening followed by simple random sampling. Data were gathered through a structured online questionnaire containing demographic items and modified assessment scales for income stability, financial resilience, and employee well-being, rated on a four-point Likert scale. Descriptive statistics and correlational analysis were used to summarize respondent perceptions and test the relationships among the variables. Income stability obtained a general mean of 2.93 (Agree), while financial resilience likewise obtained 2.93 (Agree). Employee well-being yielded a general mean of 3.02 (Agree). Income stability was moderately and positively associated with well-being (r = .430, p < .001), and financial resilience showed a stronger moderate positive association with well-being (r = .534, p < .001). The findings indicate that employees who experience greater financial security and demonstrate stronger saving, budgeting, and long-term planning behaviors also tend to report better well-being. The study supports organizational strategies that combine competitive and dependable compensation, financial education, and psychosocial support to strengthen both financial resilience and employee well-being in the cruise line sector.