The study examines the relationship between financial diligence, risk tolerance, and financial situation assessment, as well as their correlations with various socio-demographic factors. The authors used the 2022 Hungarian dataset from the OECD’s (Organisation for Economic Co-operation and Development) recurring international financial literacy survey for their analysis. The results indicate that respondents generally monitor their finances carefully, tend to avoid risks, and report low levels of satisfaction. A moderately strong positive relationship exists between the dimensions of financial behavior. This suggests that both diligence and appropriate risk management are crucial for financial awareness and contribute to financial satisfaction. Through cluster analysis, ten well-distinguished groups were identified differing in financial behavior and attitudes. Differences between the clusters highlight that socio-demographic factors – such as age, income, type of residence, and employment status – fundamentally influence individuals' financial decision-making.