The primary aim of this investigation is to enhance the financial acumen of individuals in Saudi Arabia, facilitating optimal personal growth through the application of data-driven spreadsheet modelling. The research encompasses two distinct approaches. Firstly, probit models were constructed to examine the interplay between demographics, the utilization of data analysis, and model complexity in achieving financial goals. Secondly, sensitivity analysis was employed to elucidate the predictions of the spreadsheet model under various assumptions. The findings indicate that heightened usage of data analysis and increased complexity of the model positively impact the likelihood of attaining individual financial goals, demonstrating a collaborative effect. The synergy of data and complexity enhances financial goals, as evidenced by a clear teamwork effect. The robustness and efficacy of the model across diverse scenarios were affirmed through sensitivity analysis, underscoring the research's generalizability and reliability. This study furnishes a framework and tools for spreadsheet-based personal finance data modelling, streamlining the evaluation of financial health. The results underscore the necessity for an active, data-driven wealth management strategy that transcends mere awareness. Users are encouraged to assess the effects of financial decisions and model assumptions strategically in planning their finances. The research contributes to the realm of data-driven financial decisions, rendering spreadsheet modelling more accessible for personal finance. The investigation further explores the interaction effects of financial analysis and model uncertainty. This acknowledgment underscores dynamic interactions and inherent uncertainties, enhancing the theoretical understanding of how data-driven approaches can empower individuals to make sound financial decisions. Ultimately, this research serves as a practical guide for individuals, offering actionable financial advice, bridging the gap between theory and the application of data-driven strategies to simplify financial concepts and improve overall financial well-being.