The study explores the effects of financial literacy, spending behavior, and health behavior on an individual’s financial goals and investment decisions by using the Theory of Planned Behavior (TPB) as a base framework. The research underscores the importance of how responsible financial behaviors contribute to personal and financial well-being. A conceptual model adapted from prior research and the Theory of Planned Behaviour assesses the roles of attitudes, subjective norms, and perceived behavioral control in shaping financial goals. The data is collected from working and non-working professionals and  analyzed to explore the patterns that support financial stability and promote financial goals and investment decisions. Findings show that financial literacy and calculative balanced spending significantly enhance financial goals and achievement, while health behaviors contribute indirectly. The study findings will help to make policies for financial literacy that encourage sustainable financial practices for financial security.