Financial literacy is progressively seen as a key part of individual financial well-being. It affects both short-term spending choices and long-term saving and investment strategies. However, we do not fully understand how formal education develops financial knowledge and influences consumer behaviour, especially in emerging economies. This study will explore the connection between education levels, financial literacy, and consumer decision-making. It will focus on spending discipline, saving habits, and investment choices. The research will take a quantitative approach. It will use descriptive statistics and inferential analyses to evaluate how different levels of education lead to variations in financial behaviour. We expect that people with higher education will show greater financial literacy, adopt more responsible spending habits, and engage more in wealth-building activities like regular saving and productive investing. On the other hand, those with lower education levels might display less financial awareness, rely on informal financial services, and be more affected by short-term spending pressures.  By showing how financial literacy connects education and behaviour, this study aims to provide useful insights for policymakers, educators, and financial institutions. We expect the findings to help create targeted financial education programs that can improve consumer skills, reduce financial risks, and promote lasting economic well-being