This study aims to determine the factors that influence financial well-being moderated by financial parenting and social media intensity. This research is a quantitative study with non-probability sampling research techniques with purposive sampling method. The respondents in this study were 384 people who had used BNPL services as a payment method when shopping. The T&C variable does not exhibit a statistically significant influence on financial well-being. While the planning and budgeting variable can significantly affect financial well-being. Impulsive buying variables significantly affect compulsive buying and compulsive buying significantly affect financial well-being. Meanwhile, the moderating variables—financial parenting and social media intensity—do not significantly moderate the effect of compulsive buying on financial well-being.