ENHANCING YOUTH FINANCIAL LITERACY TO IMPROVE PERSONAL FINANCE MANAGEMENT AND FINANCIAL WELLBEING

The modern financial landscape exposes youth to challenges in managing digital payments, savings, and investment decisions. This study examines effective strategies for enhancing youth financial literacy and its role in improving personal finance management. A qualitative synthesis of recent educational practices was conducted, focusing on curriculum integration, extracurricular activities, parental involvement, and digital learning tools. Findings indicate that early exposure to structured financial education fosters responsible financial behavior, strengthens personal wellbeing, and reduces vulnerability to debt. Promoting youth financial literacy thus emerges as a strategic investment in long-term economic stability and sustainable development.