“…Some study mentions that the financial behaviors that occur in students are more emphasized in saving behavior, spending behavior, and how students plan their finances (López-Medina et al, 2022). However, another opinion states that financial behavior is not only influenced by saving behavior, spending behavior, and financial planning but also by cash flow management, credit management, investment, and insurance (Farida et al, 2021;Sam et al, 2022). Meanwhile, other sources stated that financial behavior is influenced by financial literacy and numeracy ability described through sub-indicators, namely parents' educational background, children's experiences knowing money, financial education from the family, financial education from school, and the quality of education in schools.…”