The interest in financial well-being has been growing rapidly in recent years. However, the impact of financial risk tolerance on financial well-being, particularly in terms of stress in money management and future financial security, remains less explored. This study aims to assess the relationship between these two variables within the context of youth in Sabah, Malaysia. Additionally, it examines financial behavior as a potential mediator in this relationship. The study employs a Partial Least Squares Structural Equation Modeling (PLS-SEM) approach using SmartPLS software version 4.0 for data analysis. Data collection is expected to involve 300 respondents aged 15 to 30 years, representing Sabahan youth. The findings are anticipated to provide valuable insights for government agencies addressing financial well-being, serve as a foundation for future research to further explore this area, and act as a wake-up call for youth to enhance their financial literacy and improve their personal financial practices.