Personal finance skills have the most significant impact on an individual’s career education quality of life number of dependents

Personal finance skills most greatly affect one's quality of life. The other answers listed, often correlate, but are secondary to and can help increase one's quality of life. The ability to be financial responsible while balancing with foresight and careful risk evaluation allow individual's to pursue better education, which can lead to better career, which allow more dependents, in the way of a spouse and offspring. All of which can improve or assure one's high quality of life.