This research has the objective to explore the relationship between financial literacy, financial attitude, as well as consumptive behavior. The conduct of data analysis was with the use of SEM-PLS with the SmartPLS3 application and implemented a quantitative approach with a causal associative research design. The findings revealed that financial literacy significantly influences financial attitude, consumptive behavior, as well as financial management behavior. With a positive financial attitude, individuals have the capability of planning and managing their finances more maturely, while more strategic consumptive behavior can drive individuals to make more informed financial decisions. On top of direct effects, financial attitude and consumptive behavior also serve as mediators that strengthen the relationship between financial literacy with financial management behavior. Good financial literacy can shape more positive financial attitudes and wiser consumption behavior, which ultimately contributes to more effective and responsible financial management. This research’s implications suggest that digital and interactive financial education strategies must be optimized to help millennials develop prudent financial attitudes, planned consumption patterns, and more responsible financial management.