This research was carried out with a unique unitary test to find out the influence of financial literacy on financial behavior.To find out the influence of the hedonistic lifestyle on financial behavior. And to find out the influence financial self-efficacy on financial behavior. This research method uses quantitative, data collection carried out by distributing questionnaires via Google Foirm, the sample collection technique used namely purposive sampling. The results in this research show that there is a significant influence Between Financial Literacy and Financial Behavior. There is a significant influence between Gaiya Life Hedonism with Financial Behavior. There was a significant influence between Finaincial Seilf Efficacy and Financial Behavior.