<![CDATA[DFL is an important understanding and skill that Gen Z must have in order to manage finances regularly and make rational purchases. However, the FOMO attitude can influence consumption decisions and encourage irrational purchases. This study aims to analyze the influence of DFL and FOMO on Gen Z's consumptive behavior, including the moderating effect of FOMO on the relationship between the two. The method used in this study is a quantitative method, with primary and secondary data sources. Consisting of 378 respondent samples determined using the Isaac and Michael formula. Data collection through distributing questionnaires tested through validity and reliability. The results show that the higher the DFL possessed by students, the higher the consumptive behavior in online shopping. Among high school students, the influence of FOMO attitudes increases consumptive behavior among Gen Z’s, the influence of DFL, which is moderated by FOMO attitudes, cannot moderate the influence of DFL on consumer behavior among high Gen Z’s. These findings imply the importance of the ability to manage DFL and self-control to carry out rational purchasing activities.]]>
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