SELF CONTROL MEMODERASI FOMO DAN DOOM SPENDING TERHADAP PERILAKU KEUANGAN

This study investigates the effects of fear of missing out (FoMO) and doom spending on financial management behavior, examining self-control as a moderating variable among digital natives in Semarang Regency. Utilizing a quantitative design with purposive sampling, data were gathered from 203 respondents aged 15–45 years using a 1–5 Likert scale and evaluated via Moderated Regression Analysis (MRA) in SmartPLS. The empirical findings reveal that FoMO exerts a significant positive effect on financial management behavior, suggesting that FoMO within this demographic manifests predominantly as a social rather than consumptive drive. In contrast, doom spending demonstrates no statistically significant impact on financial management behavior. Self-control exhibits a substantial positive influence, emerging as the most prominent determinant of sound financial habits. Moreover, self-control significantly moderates specifically attenuating the detrimental effect of doom spending on financial management behavior, yet it fails to moderate the impact of FoMO. With the structural model exhibiting robust predictive relevance, this study highlights the necessity of fostering self-control through financial literacy programs and emotional regulation initiatives to optimize financial behaviors among digital natives.