<![CDATA[This study aims to evaluate the influence of financial literacy and lifestyle on the financial management behavior of employees at Perumda Tirta Mangkaluku Kota Palopo. Using a quantitative approach through surveys, data were collected randomly from employees using a questionnaire covering the three variables. The results of multiple regression analysis indicate that both financial literacy and lifestyle have a significant and positive effect on financial management behavior. These findings highlight the importance of improving financial literacy and promoting a positive lifestyle among employees, which contributes not only to their personal financial well-being but also to overall company performance. Based on these results, it is recommended that Perumda Tirta Mangkaluku Kota Palopo develop more relevant and effective financial education programs and foster a work environment that supports healthy living and prudent financial management.]]>
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