<![CDATA[This research examines the financial behavior of students at the Indonesian Christian University of Maluku (UKIM) regarding mental accounting in daily life, influenced by lifestyle and perceptions of happiness. Using a qualitative phenomenological approach, data were collected through interviews, categorized by themes, and analyzed. The researchers used key informants for this study, namely 8 students from the Indonesian Christian University of Maluku.Using triangulation techniques to increase validity and reliability. Findings indicate that mental accounting affects financial decision-making and income management among students in boarding houses. It contributes to a sense of happiness as students manage their finances from their parents, showing wise application of mental accounting in financial decisions.]]>
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