The relevance of this research lies in the fact that it investigates psychological characteristics as predictors of economic behavior, specifically personal financial management and risky economic decisions. The purpose of this study is to examine 1) the characteristics of economic behavior concerning tolerance to uncertainty, 2) the impact of dispositional variables in economic behavior decisions made by individuals with various levels of the Dark Triad traits (Machiavellianism, narcissism, and psychopathy), and different levels of materialism. The methodological basis of the research is the theory of psychological traits. Economic behavior and decision-making were analyzed using the perspective theory and an economic-psychological approach.  

Two studies are presented, one using correlational method and the other using quasi-experimental design. The research was conducted online, with diagnostic methods including a survey and resolution of situational tasks. The research sampling consists of undergraduate students.  

Principal findings. Tolerance to ambiguity and the level of Dark Triad traits raise the chance of making risky economic decisions in actual behavior. With varying degrees of tolerance to uncertainty and the Dark Triad traits, framing has the same influence on economic decision-making. While the combination of the Dark Triad traits and materialism contributes to disparities in personal financial management, an inclination toward materialism is more predictive of economic behavior. Economic behavior varies according to the mix of materialistic orientation and the Dark Triad. The findings of the study can serve as the basis for additional research into economic behavior and the creation of practical programs to develop and prevent dangerous economic behavior.