I think the main factor is desire, but at least if it is implemented well it is a solution in managing finances, especially for individuals and if for example we are married. On the other hand, although not in all places, the phenomenon of economic inequality and also access to financial resources can also be an important and very pronounced factor in individual financial difficulties and cannot be denied either.
If you look at the desire to manage finances, almost everyone wants a good way to do it because it has become a very good initial solution for everyone. But in terms of managing finances between unmarried people and married people, it will certainly never be the same and will always give rise to differences even though every decision taken is for the good.
The difference that we can see in the way of managing finances between unmarried and married people is in the way they meet their daily needs which are very common, they must always be there and must not be late. Because married people will prioritize the amount of savings they save for themselves rather than what they consume each day.