<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2959-9040</journal-id>
<journal-title><![CDATA[Revista Impulso]]></journal-title>
<abbrev-journal-title><![CDATA[Impulso]]></abbrev-journal-title>
<issn>2959-9040</issn>
<publisher>
<publisher-name><![CDATA[Universidad Privada Domingo Savio]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2959-90402025000300408</article-id>
<article-id pub-id-type="doi">10.59659/impulso.v.5i11.152</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Los millennials y las finanzas: relación entre conducta y bienestar financiero en contextos urbanos]]></article-title>
<article-title xml:lang="en"><![CDATA[Millennials and finance: relationship between financial behavior and financial well-being in urban contexts]]></article-title>
<article-title xml:lang="pt"><![CDATA[Millennials e finanças: relação entre comportamento financeiro e bem-estar financeiro em contextos urbanos]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ramírez Arellano]]></surname>
<given-names><![CDATA[Miguel Angel]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Orosco Fabian]]></surname>
<given-names><![CDATA[Jhon Richard]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Leonardo Aguilar]]></surname>
<given-names><![CDATA[Teodoro Edgardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cardenas Tapia]]></surname>
<given-names><![CDATA[Victor Renzo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional del Centro del Perú  ]]></institution>
<addr-line><![CDATA[Tarma ]]></addr-line>
<country>Peru</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>07</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>07</month>
<year>2025</year>
</pub-date>
<volume>5</volume>
<numero>11</numero>
<fpage>408</fpage>
<lpage>421</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_arttext&amp;pid=S2959-90402025000300408&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_abstract&amp;pid=S2959-90402025000300408&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_pdf&amp;pid=S2959-90402025000300408&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN En contextos urbanos, los millennials enfrentan retos financieros marcados por endeudamiento temprano, precariedad laboral y baja educación financiera, lo que limita su bienestar económico y emocional. El objetivo fue determinar la asociación entre conducta financiera y bienestar financiero en millennials urbanos, considerando dimensiones actitudinales hacia el manejo del dinero, ahorro, crédito y percepción de control, capacidad de afrontar imprevistos, libertad de decisión y cumplimiento de metas. Se aplicó un enfoque cuantitativo, de tipo básico, nivel correlacional y diseño no experimental transversal, con muestra probabilística de 369 individuos. Se utilizaron la Escala de Bienestar Financiero del CFPB y la Escala de Actitudes hacia la Conducta Financiera (Rodríguez-Chávez y Martins, 2022), ambas validadas (coeficientes &gt; 0.90). Los resultados mostraron correlación positiva significativa (Tau-b Kendall = 0.341; p &lt; .001), destacando la relación entre cumplimiento de metas y libertad de decisión económica. Se concluye que la educación financiera y el fortalecimiento de habilidades actitudinales son esenciales para promover estabilidad y autonomía financiera en entornos urbanos.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT 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 &gt; 0.90), were used. The results showed a significant positive correlation (Tau-b Kendall = 0.341; p &lt; .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.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[RESUMO Em contextos urbanos, os millennials enfrentam desafios financeiros marcados por endividamento precoce, precariedade laboral e baixa literacia financeira, o que limita o seu bem-estar económico e emocional. O objetivo foi determinar a associação entre comportamentos financeiros e bem-estar financeiro em millennials urbanos, considerando dimensões atitudinais face à gestão do dinheiro, poupança, crédito e perceção de controlo, capacidade de lidar com imprevistos, liberdade de decisão e cumprimento de objetivos. Foi aplicado um desenho quantitativo, básico, correlacional, não experimental e transversal, com uma amostra probabilística de 369 indivíduos. Foram utilizadas a Escala de Bem-Estar Financeiro do CFPB e a Escala de Atitudes de Comportamento Financeiro (Rodríguez-Chávez e Martins, 2022), ambas validadas (coeficientes &gt; 0,90). Os resultados mostraram uma correlação positiva significativa (Tau-b Kendall = 0,341; p &lt; 0,001), evidenciando a relação entre o cumprimento de objectivos e a liberdade para tomar decisões financeiras. Conclui-se que a educação financeira e o reforço das competências atitudinais são essenciais para promover a estabilidade financeira e a autonomia em meio urbano.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Millennials]]></kwd>
<kwd lng="es"><![CDATA[Conducta financiera]]></kwd>
<kwd lng="es"><![CDATA[Bienestar financiero]]></kwd>
<kwd lng="es"><![CDATA[Educación financiera]]></kwd>
<kwd lng="es"><![CDATA[Juventud urbana]]></kwd>
<kwd lng="en"><![CDATA[Millennials]]></kwd>
<kwd lng="en"><![CDATA[Financial behavior]]></kwd>
<kwd lng="en"><![CDATA[Financial well-being]]></kwd>
<kwd lng="en"><![CDATA[Financial education]]></kwd>
<kwd lng="en"><![CDATA[Urban youth]]></kwd>
<kwd lng="pt"><![CDATA[Millennials]]></kwd>
<kwd lng="pt"><![CDATA[Comportamento financeiro]]></kwd>
<kwd lng="pt"><![CDATA[Bem-Estar financeiro]]></kwd>
<kwd lng="pt"><![CDATA[Educação financeira]]></kwd>
<kwd lng="pt"><![CDATA[Juventude urbana]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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