Resumen

RAMIREZ ARELLANO, Miguel Angel; OROSCO FABIAN, Jhon Richard; LEONARDO AGUILAR, Teodoro Edgardo  y  CARDENAS TAPIA, Victor Renzo. Millennials and finance: relationship between financial behavior and financial well-being in urban contexts. Impulso [online]. 2025, vol.5, n.11, pp.408-421.  Epub 02-Jul-2025. ISSN 2959-9040.  https://doi.org/10.59659/impulso.v.5i11.152.

In urban contexts, millennials face financial challenges marked by early indebtedness, job insecurity and low financial education, which limits their economic and emotional well-being. The objective was to determine the association between financial behavior and financial wellbeing in urban millennials, considering attitudinal dimensions towards money management, savings, credit and perception of control, ability to deal with unexpected events, freedom of decision and goal fulfillment. A quantitative, basic, correlational and cross-sectional non-experimental design approach was applied, with a probability sample of 369 individuals. The CFPB Financial Well-Being Scale and the Financial Behavior Attitudes Scale (Rodriguez-Chavez and Martins, 2022), both validated (coefficients > 0.90), were used. The results showed a significant positive correlation (Tau-b Kendall = 0.341; p < .001), highlighting the relationship between goal fulfillment and freedom to make financial decisions. It is concluded that financial education and the strengthening of attitudinal skills are essential to promote financial stability and autonomy in urban environments.

Palabras clave : Millennials; Financial behavior; Financial well-being; Financial education; Urban youth.

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