Individuals’ financial well-being has been recognised as an important concern to reach individuals’ general well-being and societal welfare. In this context, understanding how individuals can ensure a good state of financial well-being is a critical question. However, previous studies have not paid enough attention to underlying the mechanisms by which individuals achieve financial well-being. The purpose of this paper is to explore the influence of attitude to money on individuals’ financial well-being, placing the emphasis on the intervention of financial planning horizon, risk tolerance and individuals’ actual financial behaviour. Using Structural Equation Modelling and Process Procedure for SPSS, empirical evidence for a sample of 8554 Spanish individuals largely supports the proposed hypotheses. Indeed, it suggests that individuals’ attitude to money influences actual financial behaviour, besides planning horizon and risk tolerance, that both exert an influence over actual financial behaviour, and this, ultimately, influences individuals’ financial well-being. This study ends up by presenting the main implications of these findings.