This article explores how Tongans honour anga faka- Tonga, balancing cultural obligations to their fāmili, kolo, siasi and fonua with their own financial well- being. Utilising the Kakala framework and drawing on narratives gathered from talanoa with 13 Aotearoa New Zealand- based Tongans between 20 and 60 years of age, three key themes were identified: (1) financial decisions were driven by Tongan values and Christian beliefs, (2) cultural and religious expectations and practices both promote and demote well- being, and (3) an overall sense of well- being can be achieved by balancing personal finances with religious and cultural obligations. Excerpts from talanoa elucidate how culturally embedded value systems and faith- based beliefs have crucial implications for financial decision- making among participants. Recommendations for culturally relevant financial capability education are offered, taking into account the unique nature of Tongan culture and communities in Aotearoa.