This qualitative research uses a phenomenological approach to explore the role of housewives in Makassar in family financial management. The results revealed that they play a very strategic role, especially in the midst of the city's evolving economic dynamics. Housewives are faced with various challenges, such as unstable income, consumptive culture, and social demands, all of which affect their spending and saving patterns.
By prioritising basic needs, children's education and social solidarity, many housewives successfully combine traditional and modern values in managing their family finances. While they are beginning to utilise financial technology and digital services, many still face barriers due to limited digital literacy.
Therefore, improving financial education is crucial so that they can better budget, manage debt and capitalise on investment opportunities. This is expected to support the economic stability of families as well as improve the overall well-being of the community.