The research objectives aim to study the factors contributing to financial distress among young Malaysian working adults. The research focuses on the factors contributing to financial distress among young Malaysian working adults. The geographical focus is located in Malaysia. 14 The target sample is young Malaysian working adults. The unit of analysis is young working individuals. The research methodology approach uses using analysis approach, particularly in a quantitative method, and this research makes use of primary data. Raosoft calculator determines the sample size, and the Statistical Package for Social Sciences (SPSS) software version 24.0 is used for data collection. The results show that spending and investing have a significant positive relationship with financial distress, saving behaviour has a negative relationship with financial distress, and financial literacy 55 has no significant relationship with financial distress. The findings of this research provide an understanding of the mentality of Malaysian young working adults in saving, spending and investing, and how they behave accordingly.