• Nihma Nishirin. V

This study investigates the relationship between financial independence and self-esteem among young adults. Using a quantitative, correlational design, the research examined this relationship and explored potential gender differences within a sample of 100 young adults aged 18-25 (50 males, 50 females), selected via convenience sampling. Financial independence was indirectly measured using the InCharge Financial Distress/Financial Well-Being Scale (IFDFW), and self-esteem was assessed using the Rosenberg Self-Esteem Scale (RSES). Data analysis using Pearson’s correlation revealed a statistically significant, strong negative correlation (r = -.882, p < .01), indicating a powerful positive relationship where higher financial well-being is strongly associated with higher self-esteem. Independent samples t-tests found no statistically significant gender differences in levels of either financial independence or self-esteem. The findings confirm that financial independence is a critical correlate of psychological well-being for young adults, with low financial independence potentially undermining self-esteem. The absence of gender differences suggests that financial and self-concept challenges are shared generational experiences, highlighting the need for inclusive interventions aimed at fostering financial literacy and autonomy to support holistic development in this population.

Financial independence, Self-esteem, Young adults, Financial well-being, Gender differences.

"RELATIONSHIP BETWEEN FINANCIAL INDEPENDENCE AND SELF ESTEEM AMONG YOUNG ADULTS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.b402-b407, January-2026, Available :http://www.jetir.org/papers/JETIR2601158.pdf

"RELATIONSHIP BETWEEN FINANCIAL INDEPENDENCE AND SELF ESTEEM AMONG YOUNG ADULTS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. ppb402-b407, January-2026, Available at : http://www.jetir.org/papers/JETIR2601158.pdf