Financial Wellbeing and Financial Resilience: Insights from Personal Experiences and Gender Differences

This study examined the relationship between perceptions of financial health indica-tors, lived experiences, and actions taken to address economic crises, while also ex-ploring potential gender differences. A non-experimental, quantitative, cross-sectional design was applied to a sample of 499 working professionals who had graduated from universities in Veracruz and were employed in either the public or private sector. A 24-item Likert-scale instrument was used to assess financial health perceptions, per-sonal experiences, and crisis-related actions. Reliability was confirmed with Cronbach’s alpha and McDonald’s omega values above 0.7. Data were analyzed using Exploratory Factor Analysis with Varimax rotation, Structural Equation Modeling, and Bayesian analysis to assess gender differences. A four-factor structure explained 64.86% of the variance. Moderate correlation was observed between financial wellbe-ing and resilience (r = 0.32), a weaker correlation between wellbeing and experiences (r = 0.18), and a strong correlation between experiences and actions in crises (r = 0.47). No significant gender differences were found. Findings highlight strategies for man-aging financial crises, maintaining credit health, and improving resilience, proposing a refined three-factor model linking experiences and actions to financial outcomes.