زهرا نادری نوبندگانی

Objectives: This study aims to examine the effects of financial anxiety and financial optimism on life satisfaction among accounting students. Given the increasing financial pressures faced by university students, understanding the psychological dimensions of financial behavior is essential for improving their overall well-being. Methodology/Design/Approach: The statistical population comprised undergraduate accounting students, from which 113 participants were selected through a simple random sampling method. Data were collected using standardized questionnaires and analyzed through Pearson correlation and simultaneous linear regression to test the hypothesized relationships. Findings: The results indicate a significant negative relationship between financial anxiety and life satisfaction, and a significant positive relationship between financial optimism and life satisfaction. Furthermore, both financial anxiety and financial optimism jointly and significantly predict students’ life satisfaction. Innovation: This study contributes to the literature by integrating psychological and financial perspectives to explain students’ life satisfaction. The findings emphasize the need for educational institutions to incorporate financial management training and psychological counseling into academic programs to promote financial well-being and emotional resilience among students.