<![CDATA[Riset ini dirancang untuk membedah dampak gaya hidup dan literasi keuangan terhadap perilaku konsumtif pada mahasiswa STIE STEKOM Kartasura, dengan menempatkan Fear of Missing Out (FoMO) sebagai variabel moderasi. Menggunakan metode kuantitatif berbasis survei kuesioner, sampel penelitian mencakup 89 mahasiswa yang dijaring lewat teknik purposive sampling dari total populasi sebanyak 846 orang. Data yang terkumpul dianalisis menggunakan regresi linear berganda dan Moderated Regression Analysis (MRA). Hasil uji statistik membuktikan bahwa perilaku konsumtif dipengaruhi secara positif dan signifikan oleh gaya hidup ( ; ) maupun literasi keuangan ( ; ). Selain itu, FoMO terkonfirmasi valid memoderasi dampak gaya hidup ( ; ) serta literasi keuangan ( ; ) terhadap tindakan konsumtif tersebut. Secara teoritis, studi ini memberikan kontribusi ilmiah dengan menunjukkan bahwa tekanan psikologis di dunia digital seperti FoMO dapat mendegradasi peran literasi keuangan dalam mengontrol sifat konsumtif. Secara praktis, studi ini merekomendasikan adanya program intervensi ganda yang mengombinasikan pendidikan keuangan dan pengelolaan kesehatan mental bagi mahasiswa di era digital. This research was designed to examine the impact of lifestyle and financial literacy on consumer behavior among STIE STEKOM Kartasura students, by placing Fear of Missing Out (FoMO) as a moderating variable. Using a quantitative method based on a questionnaire survey, the research sample included 89 students recruited through purposive sampling techniques from a total population of 846 people. The collected data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results of statistical tests proved that consumer behavior was positively and significantly influenced by lifestyle (t=5.835; "sig"=0.000) and financial literacy (t=6.568; "sig"=0.000). In addition, FoMO was confirmed to be valid in moderating the impact of lifestyle (t=4.109; "sig"=0.000) and financial literacy (t=2.409; "sig"=0.018) on these consumer actions. Theoretically, this study makes a scientific contribution by demonstrating that psychological stress in the digital world, such as FoMO, can undermine the role of financial literacy in controlling consumer behavior. Practically, this study recommends a dual intervention program combining financial education and mental health management for students in the digital age. ]]>
