<![CDATA[The purpose of this study is to examine the consumer lifestyle, savings level, and personal financial management of students. This study uses a quantitative approach, with data collected through a structured questionnaire. The population consisted of 1,199 students from the Faculty of Economics and Business, Muhammadiyah University of Palopo (classes of 2022, 2023, and 2024). Using the Slovin formula and random sampling, 93 respondents were selected. Data analysis was carried out using SPSS, including reliability and validity tests, multiple linear regression, coefficient of determination (R2 ) , partial tests (t-tests), and simultaneous tests (F). The results showed that a consumer lifestyle did not have a significant positive effect on financial management, while the savings level had a significant positive effect on financial management.]]>
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