<![CDATA[This study aims to determine the influence of financial literacy and lifestyle on the saving behavior of students at SMK Negeri 2 Tondano. This study employs a quantitative method using a survey approach. Research data were collected from respondents through the distribution of questionnaires as the primary data collection instrument. The population in this study consists of all 160 eleventh-grade students at SMK Negeri 2 Tondano, while the sample comprises 114 students, determined using the Slovin formula. The results of the study indicate that financial literacy has a positive and significant effect on students’ saving behavior. Lifestyle also has a positive and significant effect on students’ saving behavior. Financial literacy and lifestyle together have a positive and significant effect on students’ saving behavior at SMK Negeri 2 Tondano. This suggests that the better students’ understanding of finance and the healthier their lifestyle, the higher their saving behavior.]]>
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