This research contributes to a better understanding of the factors influencing investment decisions based on income level and financial literacy in stock purchases. The findings of this study can serve as a guideline for investors and market participants in making investment decisions through stock purchases. Moreover, the research findings provide insights for the government and capital market regulators in developing financial literacy programs and enhancing public participation in stock investments. Using a quantitative approach, the research team investigated professional workers in diverse Indonesian regions and private institutions. These individuals had investment income and were familiar with stock options. The researchers gathered 239 valid data points through purposive random sampling. The research affirms that both income level and financial literacy significantly impact the rise in stock-purchasing investments. Notably, financial literacy yields a more substantial effect, influencing investment decisions through a better understanding of economic aspects, including risk assessment and potential gains. Enhanced financial literacy empowers rational evaluation, proactive management of threats, and alignment of investment strategies with financial goals. These findings underscore the pivotal role of financial literacy in fostering informed and strategic investment choices, including stock purchases.