<![CDATA[This study examines the impact of financial planning and e-wallet usage on personal financial management, with lifestyle serving as a mediating variable. The research was conducted using a quantitative approach among 150 active e-wallet users in Cirebon, selected through purposive sampling, and the data were collected via questionnaires and analyzed using the SEM-PLS method. The study's results indicate that financial planning and the use of e-wallets have a positive, significant effect on personal financial management. Lifestyle has a significant effect on personal financial management but does not mediate the relationship between financial planning or e-wallet usage and personal financial management. These results indicate that personal financial management is more directly shaped by financial planning, while lifestyle changes resulting from e-wallet usage have not contributed to improving financial management quality. Therefore, the study highlights the importance of increasing awareness of sound financial planning and the responsible use of e-wallets, particularly among young people, to prevent excessive consumerist behavior that may negatively affect personal financial management.]]>
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