Abstract
Financial stress is common life difficulty that helps people become more resilient and motivated to effectively accomplish their financial goals. However, excessive financial stress can harm well-being, potentially leading to depression symptoms. Thus, this study aims to explore how financial stress impacts depression symptoms in Malaysian working adults. A total of 210 respondents had participated voluntarily in this research. This study used quantitative research methods, including correlational and cross-sectional designs. It measured financial stress using the Affective, Physical, Relational (APR) Financial Stress Scale (24 items) as the independent variable and assessed depression symptoms with the Patient Health Questionnaire (PHQ-9) as the dependent variable. SPSS analysis of the data shows a moderate level of financial stress. Additionally, affective reactions, interpersonal behavior, and physiological responses related to financial stress significantly contribute to depression symptoms in working adults in Malaysia. The results highlight how crucial it is for Malaysian working individuals to manage their financial stress in order to lessen the symptoms of depression. It is advised that more thought and investigation be done.