The study looked at how financial knowledge and attitudes affect the financial well-being of small business owners in Sidoarjo. They found that having good financial knowledge and positive attitudes towards money management can lead to better financial outcomes. The study surveyed 100 small business owners and used a statistical analysis method to draw conclusions. The results showed that financial literacy and attitudes have a direct impact on financial management behavior, which in turn affects financial well-being. In simple terms, knowing how to handle money and having a positive attitude towards finances can help small business owners improve their financial situation.