Financial literacy has a big impact on how people handle their money. A study looked at data from China in 2015 and 2017 to see how financial knowledge affects behavior. They found that knowing more about money helps people make better financial choices. People who pay more attention to their finances are more likely to have bank accounts, invest in stocks, and make smart money moves in risky situations. Financial literacy also helps people access specific financial info, like insurance and credit cards. The study showed that the effects of financial knowledge on behavior vary between urban and rural areas, men and women, and different education levels. Overall, improving financial literacy through training can help people make better financial decisions.