<![CDATA[Nowadays, we cannot imagine economic growth without financial literacy, because modern economic life increasingly requires individuals to make complex decisions about payments, savings, borrowing, insurance, digital finance, pensions, and risk management. This article examines financial literacy as a key factor in both personal and national economic growth. Using a structured literature review, the paper synthesizes foundational and recent scholarship on financial knowledge, financial behavior, household resilience, entrepreneurship, financial inclusion, digital capability, and macroeconomic development, with specific attention to the institutional context of Uzbekistan. The review shows that financial literacy matters at the personal level because it improves budgeting, saving, debt management, long-term planning, and the capacity to use formal financial services to support upward mobility. At the national level, its importance operates through wider and better use of financial institutions, more efficient savings mobilization, stronger consumer confidence, improved allocation of household and small-business finance, and greater resilience in an increasingly digital financial environment. The article, however, argues that financial literacy is not a stand-alone solution. Its developmental effect depends on the availability of trustworthy products, inclusive infrastructure, consumer protection, and institutions capable of translating knowledge into meaningful opportunity. The article concludes that the strongest policy approach is not isolated classroom instruction but a broad ecosystem strategy that combines school-based education, adult learning, digital safeguards, behavioral design, and partnerships among regulators, banks, employers, and educational institutions. For Uzbekistan, the next phase should focus on moving from awareness-building toward deeper financial capability that supports saving, productive borrowing, entrepreneurship, and secure participation in digital finance.]]>
