The role of financial literacy with regards to sound personal finance management practice is a question many struggles with. Young Adults in nowadays are easy to access the financial products. So that the young adults are important to have knowledge of the financial literacy to capable of managing their personal finance better than their counterparts in other industries. The main research question is “What is the structural relationship among all the variables and how Financial Literacy Factor, Financial Product Knowledge Factor, Family and Peer Factor will effect on the Personal Financial Management of Young Adult”. The sample data are collected in Bangkok, Thailand. The Factor Analysis statistical method is employed to analyze the collected data with the purpose of analyze the factors that Effect and Influences on The Personal Financial Management of The Young Adult. This present research is using the (CFA) Confirmatory Factor Analysis because the measurement model in the Structural Equation Modeling (SEM) is used for (CFA) Confirmatory Factor Analysis using Amos followed by the specification and estimation of the models. SEM is a powerful quantitative data analytical technique, which can be estimates and tests the theoretical relationship between/ among latent variables and/or observed variables and it is also combines the regression and factor analysis. The present research show that the Financial literacy does not affect Personal Financial Management of Young Adult. This result is contrary to the previous research papers showing that Financial literacy path to Personal Financial Management is significant. Financial literacy does affect Financial Product Knowledge of Young Adult. This significant effect of Financial literacy path to Financial Product Knowledge is a new discovery and could be considered as a major contribution from this paper.