<![CDATA[Objectives: To examine the partial and simultaneous effects of K-fashion lifestyle and consumptive expenditure on university students’ saving ability in Indonesia. Methods: Descriptive causal quantitative research involving 150 students selected through purposive sampling, analyzed using multiple linear regression. Research Gap/Novelty: Integrates Korean Wave-driven fashion lifestyles and consumptive expenditure to explain students’ saving behavior and financial independence. Results: K-fashion lifestyle and consumptive expenditure negatively and significantly influenced saving ability, both partially and simultaneously. The regression model explained 8.4% of the variation in students’ saving ability. Conclusion: Fashion-oriented lifestyles and excessive consumption undermine students’ saving ability, emphasizing the importance of financial literacy, responsible consumption, and effective personal financial management.]]>
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