This study examines the relationship between financial well-being (FWB)—defined as current money management stress and future financial security—and Schwartz's basic human values using data from the European Social Survey (ESS) and the Cronos-2 Panel. We hypothesize that: (1) individuals prioritizing security and conformity values will report lower money management stress and higher future financial security; (2) those emphasizing hedonism and stimulation will experience higher stress and lower financial security; (3) self-direction and achievement values will be associated with proactive financial behaviors, enhancing FWB. These hypotheses aim to clarify how personal values shape financial attitudes and well-being.