Youth are the catalyst for national development. The rise and fall of a country depends on quality youth in leading the country and is a determinant of the direction of national development and progress. This study aims to identify aspects of the level of financial involvement and quality of human capital among youth in Malaysia. This study was conducted as a survey using a questionnaire instrument involving 847 youth of various ethnicities, namely Malays, Chinese and Indians, in Peninsular Malaysia. The sample was selected according to geographical zones (north, south, central and east) in a stratified and simple random manner. The data was analyzed using Statistical Package for the Social Sciences (SPSS) version 26 software to produce descriptive statistical analysis. The study found that the level of financial involvement of ethnic youth was at a moderately high level, while the level of human capital quality in terms of personal financial stability was moderately high. This finding highlights that ethnic youth generally demonstrate a fairly strong level of financial involvement and stability, suggesting that while they possess a good foundation in managing personal finances, there is still room for improvement to reach a high or optimal level of financial capability. Therefore, this study shows the need to increase involvement in economic activities to increase income, which can have a positive impact on individuals' ability to manage urban life more effectively.

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