<![CDATA[The purpose of this study was to examine the influence of financial literacy (X1) and work environment (X2) on the personal financial management (Y1) of Millennials in Surabaya, with self-control (M1) as a moderating factor. The findings indicate that the work environment (X2) has a positive effect on financial management (Y1), and this effect is strengthened by self-control (M1). Financial literacy (X1) has a negative effect on financial management (Y1). Self-control (M1) is unable to moderate (strengthen/weaken) this effect. The research model strongly explains the independent variable (96%), but only explains 5.4% of the variation in personal financial management. The implication is that psychological and cultural factors in the workplace are more influential than financial knowledge for Millennials. A contextual and interactive financial literacy education strategy, accompanied by self-control training, is needed so that knowledge can be applied in managing personal finances. ]]>
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