“…According to (PwC, 2020), (PwC, 2014) employee financial wellness survey, financial wellness is significantly correlated with financial literacy for decision-making and financial behavior towards savings, investments, credit, and others. Multiple reports and research (Botha & New, 2021), (OECD, 2020), (Heath et al, 2018), (Gautam & Andersen, 2016) (Brüggen et al, 2017), (CFPB, 2017), (Coşkuner, 2016), (CFPB, 2015) examined financial wellness with multiple corresponding constructsfinancial behavior, financial attitude, financial knowledge, financial solvency, income, education, and individual characteristics.…”