<![CDATA[Managing personal finances is a vital skill, especially for postgraduate students who typically bear greater financial responsibilities than undergraduates. This study examines how Financial Literacy, Fear of Missing Out (FOMO), Self-Control, and Peer Influence affect the Personal Financial Management of Master of Management students at the Faculty of Economics and Business, Universitas Negeri Jakarta. Using a quantitative causal-associative design, data were collected via questionnaires from the 2024/2025 cohort. Through the Slovin formula, 93 respondents were drawn from a population of 121 using proportional purposive sampling. Data were analyzed using classical assumption tests, multiple linear regression, partial t-tests, and the coefficient of determination in SPSS. Results show Financial Literacy has a significant positive effect on financial management, while FOMO shows no significant effect. Self-Control and Peer Influence both show significant negative effects, contrary to expectations. Together, the four variables explain 41.5% of the variance (Adjusted R² = 0.415), with the negative Self-Control finding highlighting a need for further psychosocial research.]]>
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