Abstract :
Financial behavior is very necessary for individuals as an individual's ability to manage
and also use their daily financial resources. Good financial behavior can increase individual
financial capabilities, minimize financial risks, and accumulate wealth within a certain period
of time so as to increase personal financial stability. This research aims to analyze the influence
of financial literacy, financial inclusion and lifestyle on financial planning in the people of
Surabaya. The number of respondents for this research was 150 respondents with the criteria
of having a total income of IDR 4,000,000 per month, individuals aged 20-65 years and
domiciled in the city of Surabaya. The sampling technique in the research used purposive
sampling technique. The analysis technique used in this research is PLS-SEM (Partial Least
Square Structural Equation Model) with the Warp PLS 8.0 program. The results of this study
explain that financial literacy has no effect on financial behavior, financial inclusion has a
significant positive effect on financial behavior, and lifestyle has a significant negative effect
on financial behavior