This study examined the factors related to the financial saving behaviors of adult learners based on their financial education levels, family characteristics and account ownership from adolescence to adulthood. Students were administered surveys containing thirty-six questions regarding financial management behaviors, knowledge, and experiences. Four saving behaviors were used in the analysis of the responses from the various groups. The data from the study indicated statistically significant differences between financial education groups and specific family characteristics on both positive and negative saving behaviors. In addition, significant differences were found between adolescent account groups and one of the saving behaviors. Overall, the study implied that financial education and certain family characteristics positively influence the saving behaviors of individuals.