The study examines what influences personal financial health in Kathmandu, Nepal, where finding financial education and resources is a big challenge. Within a positivist and deductive approach, the study applies a quantitative, causal-comparative research design to discover the links between people’s financial knowledge, behavior, attitudes, stress, satisfaction and their financial well-being. Since not much research exists in Nepal on this topic, exploratory factors were added to the study. The questionnaire, designed to provide structured data, was handed to 425 people in both rural and urban locations. After the data was cleaned, 404 usable responses were studied using statistics to evaluate five hypotheses. The study revealed that financial knowledge, attitude, stress and satisfaction make a meaningful difference in people’s financial well-being, while financial behavior did not. Of all the variables examined, financial satisfaction was the most important indicator of a person’s financial well-being. The study points out that, in addition to understanding finances and what to do, feelings and thoughts are important for healthy finances. These findings support behavioral finance ideas and imply that actions to raise financial happiness and decrease financial stress can help people feel better. The findings of this study provide a rare addition to financial well-being research in Nepal and suggest useful directions for policymakers, financial educators and institutions. Through exploring many influences on financial health, this research backs strategies that help improve the financial strength and empower individuals in such areas.