Abstract: This seminar presents two studies on the determinants of financial resilience and subjective financial well-being. The first examines how different dimensions of financial knowledge—objective, digital, and subjective—affect financial behaviour and financial resilience. Using data from a nationally representative sample of 1,096 adults from the 2022 UNSA Survey of Adult Financial Literacy in Bosnia and Herzegovina, the analysis applies regression and mediation techniques. The results show that the effect of objective financial knowledge on financial resilience is primarily transmitted through financial behaviour, subjective financial knowledge, and digital financial knowledge, highlighting the importance of behavioural and confidence-related channels. The second study focuses on the measurement and determinants of subjective financial well-being. It proposes a refined conceptual framework incorporating socio-economic conditions, capabilities, and digital inclusion, and provides evidence from an emerging economy in comparison with OECD/INFE benchmarks. The findings suggest that debt is not the main channel shaping subjective financial well-being; instead, financial resilience and perceived financial control play a more central role. Overall, the research underscores the need for integrated policy approaches combining financial education, digital and financial inclusion, and labour market policies to enhance financial well-being.