Generasi Milenial Menuju Financial Freedom:Faktor Frugal Living dan Literasi Keuangan Digital

Economic uncertainty in Indonesia has encouraged individuals to adopt more meaningful lifestyles and developprudent financial mindsets. Achieving financial freedom has become a major goal for many people, particularlyamong the millennial generation. Factors such as a frugal living lifestyle and digital financial literacy areconsidered important in supporting the achievement of financial freedom. However, the rapid expansion of digitaleconomic services has also increased the tendency of millennials toward consumptive and impulsive financialbehavior. This study aims to examine the influence of frugal living and digital financial literacy on financialfreedom among millennials in Banten Province. This research employs a quantitative approach using the Slovinformula to determine the sample size. The population consists of millennials residing in Banten Province, with atotal sample of 400 respondents. The findings indicate that frugal living does not have a significant effect onmillennials’ financial freedom. In contrast, digital financial literacy has a significant positive effect on financialfreedom. These findings highlight the importance of strengthening digital financial literacy to support effectivefinancial management and the achievement of long-term financial goals through the optimal use of digitalfinancial technologies