The purpose of the study is to reveal the role of demographic factors in the strategies for managing financial problems, based on the data of the OECD’s 2022 financial culture survey in Hungary. The focus of the analysis was age, gender, type of residence, income and differences between regions. The research used multivariate statistical methods such as canonical correlation analysis and Ridge regression to identify relationships between demographic factors and financial behavior. The results showed that region and age are the most significant determining factors in the choice of financial strategies, while education and income have a smaller impact. Budapest residents showed higher financial awareness and more diversified strategies, compared to the more traditional approach of rural residents. Based on the results, it is recommended to develop targeted financial education programs that take into account demographic and regional differences, thereby supporting the increase of financial stability.