Which of the following is likely to influence someone’s financial wellness the most?
1. Employment status and income level
2. Level of debt and ability to manage it
3. Saving and investment habits
4. Access to financial resources and support
5. Education and knowledge about personal finance
Employment status and income level are likely to influence someone's financial wellness the most, as they determine the individual's ability to meet basic needs, save for the future, and build financial security. Additionally, level of debt and ability to manage it, as well as saving and investment habits, play significant roles in shaping financial wellness. Access to financial resources and support, as well as education and knowledge about personal finance, also contribute to financial wellness but may not have as direct an impact as employment status and income level.