What does financial wellness primarily focus on?

Financial wellness primarily emphasizes future financial satisfaction, which encompasses having a clear understanding of one's financial situation and the ability to manage finances effectively for long-term stability and peace of mind. This involves not only the current assessment of one’s financial health but also planning and strategies to achieve financial goals, ensuring individuals can enjoy financial security and well-being in the future.

Considering the other options, effective time management relates more to productivity and organization, and while it can indirectly affect financial situations, it does not directly pertain to financial wellness. Investment strategies are a component of financial planning but are not the sole focus of financial wellness. Reducing expenses is important for managing finances but is just one aspect of achieving overall financial satisfaction and does not capture the broader perspective of financial wellness, which includes income, savings, investment, and overall financial health.