<![CDATA[This study is intended to explore and demonstrate the influence of a hedonistic lifestyle and spiritual intelligence on the way accounting students at four public universities in Surabaya manage their finances. The object of the study is active accounting students with a total population of 5,057 students. Using proportionate stratified random sampling and the slovin approach with an error tolerance level of 5%, 371 respondents were selected. The study utilized primary information gathered through a digitally distributed questionnaire employing a four-level response scale, whereas supporting data regarding the student population were sourced from PDDIKTI. This study applies a quantitative-based design and utilizes Partial Least Squares–Structural Equation Modeling (PLS-SEM) through WarpPLS 8.0, with the Theory of Planned Behavior serving as the underlying conceptual foundation. The findings reveal that both hedonistic lifestyle tendencies and spiritual intelligence are positively associated with the way students manage their finances, with hedonistic lifestyle exerting the most dominant influence. The model shows that hedonistic lifestyle and spiritual intelligence together account for 14.6 percent of the changes observed in financial management. The study recommends an integrative educational approach combining affective control and spiritual values to cultivate sustainable financial behavior among university students in metropolitan settings.]]>
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