Which of the following is likely to influence someone’s financial wellness the most? Personality and attitude, knowledge and skills, opportunities available to them, race and gender.

Knowledge and skills is likely to influence someone's financial wellness the most. Having the necessary knowledge and skills to make informed financial decisions, manage money effectively, and plan for the future can greatly impact an individual's financial well-being. This includes understanding basic financial concepts, budgeting, saving, investing, and managing debt. Personality and attitude, opportunities available to them, and race and gender can also play a role in an individual's financial wellness, but having the knowledge and skills to navigate financial matters is crucial.