Name: M K Lodi & Sania Patro
Country: India

Year: 2026
Volume: Volume No: 13, Issue No: 1, Year: 2026
Page Number: 302-310
DOI: https://doi.org/10.5281/zenodo.19753554

ABSTRACT
In today’s world, managing money has become both easier and more complicated at the same time. Young adults, especially those in their early twenties and thirties, are now
exposed to many financial choices, earning their first salary, paying their own expenses, and thinking about saving or investing for the future. While this stage of life brings excitement and independence, it can also feel confusing and overwhelming. Many young people are unsure about how to handle their money or where to invest, and this is where financial
literacy becomes very important.

This study tries to understand how financial literacy affects the way young adults
make investment decisions. It is based on information collected from different research
papers, journals, and reports. By looking at these studies together, a clear pattern can be seen. People who understand financial concepts are more careful and thoughtful when investing. They do not rush into decisions. Instead, they compare options, think about risks, and plan for the future. On the other hand, those with less knowledge often feel confused and may make decisions without proper understanding, which can lead to mistakes or losses.

Keywords: Financial Literacy, Investment Decision-Making, Young Adults, Risk
Awareness, Personal Finance