One major challenge is that employment alone is insufficient to guarantee financial stability without proper money management. Workers with substantial incomes may have very minimal savings because they haven't prioritized saving or investing. This demonstrates that financial literacy isn't just about being able to use financial products, but also about understanding how to set aside, save, and invest from an early age.

Furthermore, the decline in financial literacy rates in certain groups also reinforces the importance of education. One study found that Indonesian migrant workers with low financial literacy were more likely to use their income for short-term consumption rather than saving or investing for the long term.

In conclusion, having a job is important, but changing financial behavior is equally crucial. Workers must prioritize saving, even if the amount is small, and increase their financial knowledge to optimize every rupiah earned. Without it, even a plentiful salary can remain vulnerable.