<p>Financial well-being is increasingly recognized as a cornerstone of personal financial security and overall quality of life. This study develops and empirically tests an integrated model to examine its key determinants in Vietnam, including family financial socialization, financial literacy, financial capability, financial management behavior, financial inclusion, and propensity to plan. Data were collected from 615 Vietnamese adults with practical experience in household financial management, banking, and digital transactions. Structural equation modeling revealed that family financial socialization exerts a strong influence on financial capability, which subsequently enhances financial well-being. Financial literacy affects financial well-being both directly and indirectly through financial management behavior, while financial inclusion promotes responsible financial practices and directly improves well-being outcomes. Furthermore, propensity to plan strengthens the impact of financial literacy on financial management behavior, indicating that financial knowledge is most effective when coupled with clear planning intentions. The proposed model demonstrates strong explanatory power, confirming the robustness of the measurement scales. Theoretically, this study advances understanding by applying family financial socialization theory to explain how family-based financial learning shapes financial literacy, capability, management behavior, and ultimately well-being through mediating and moderating mechanisms. Practically, the results suggest that policies should promote family-centered financial education, strengthen practice-based financial literacy programs, expand inclusive financial systems, and leverage digital tools to foster disciplined and sustainable financial planning.</p>