AbstractThe main objective of this study is to examine the direct and indirect effects of parental influence, peer influence, financial awareness through spending behavior, and saving behavior on reaction to indebtedness, and future orientation among tertiary students in Peninsular Malaysia. The underlying theories used in this study were the Theory of Reasoned Action, Self-Awareness Theory, and Consumer Involvement Theory. The snowball sampling technique was used to collect data for this study. All the collected data were analyzed using Statistical Package for the Social Science (SPSS) software version 16 and Smart PLS 3.0. This study utilized Partial Least Squares Structural Equation Modelling (PLS-SEM) to examine the relationship between variables with a sample of 1,800. This study indicated that most respondents reported low financial knowledge but moderate financial awareness. Furthermore, the PLS-SEM bootstrapping results revealed a significant negative relationship between financial awa.....