<p>Evidence highlights the role of financial socialization in enhancing people’s financial capability and well-being, but the literature on the underlying intrahousehold drivers of financial socialization is underdeveloped. This study applied multilevel modeling approaches to large nationwide data on Ghanaian youth and their caregivers to assess the predictive role of the type of caregiver-child relationship, financial literacy, and money management behavior on family financial socialization practices. Financial socialization was measured from the perspectives of caregivers (i.e., intentional financial conversations) and children (i.e., financial decision-making, visits to financial institutions, and learning about money). The results indicate that living with biological parents (compared to kin or fictive kin) is the strongest driver of family financial socialization, followed by caregivers’ money management behavior and financial literacy. These findings underscore the need for targeted interventions to support non-biological children and promote equitable financial socialization for all children. The findings also suggest that financial literacy policies and programming should consider contextual factors that foster inclusive financial capability among all children in diverse household structures.</p>