This study analyzes the relationship between financial discipline and discretionary spending among employed youth in Amravati. With the rise of digital payments, social media influence, and easy credit access, managing non-essential expenses has become challenging. The research uses a descriptive design and is based on primary data collected from 200 respondents aged 22–30 through a structured questionnaire. The findings show that while youth actively spend on lifestyle activities like travel and dining, they maintain financial discipline mainly through mental budgeting and impulse control. Statistical results confirm a significant negative relationship between financial discipline and discretionary spending. However, digital payment convenience and social media advertising increase spending tendencies. The study highlights the need for practical financial discipline and behavioural strategies to promote better financial management among youth.