diff --git a/backend/server3.js b/backend/server3.js
index 968677e..88eaf44 100644
--- a/backend/server3.js
+++ b/backend/server3.js
@@ -360,6 +360,63 @@ app.post('/api/premium/career-history', authenticatePremiumUser, async (req, res
   }
 });
 
+app.get('/api/premium/financial-profile', authenticatePremiumUser, async (req, res) => {
+  try {
+    const row = await db.get(`SELECT * FROM financial_profile WHERE user_id = ?`, [req.userId]);
+    res.json(row || {});
+  } catch (error) {
+    console.error('Error fetching financial profile:', error);
+    res.status(500).json({ error: 'Failed to fetch financial profile' });
+  }
+});
+
+app.post('/api/premium/financial-profile', authenticatePremiumUser, async (req, res) => {
+  const {
+    currentSalary, additionalIncome, monthlyExpenses, monthlyDebtPayments,
+    retirementSavings, retirementContribution, emergencyFund,
+    inCollege, expectedGraduation, partTimeIncome, tuitionPaid, collegeLoanTotal
+  } = req.body;
+
+  try {
+    // Upsert-style logic: Check if exists
+    const existing = await db.get(`SELECT id FROM financial_profile WHERE user_id = ?`, [req.userId]);
+
+    if (existing) {
+      await db.run(`
+        UPDATE financial_profile SET
+          current_salary = ?, additional_income = ?, monthly_expenses = ?, monthly_debt_payments = ?,
+          retirement_savings = ?, retirement_contribution = ?, emergency_fund = ?,
+          in_college = ?, expected_graduation = ?, part_time_income = ?, tuition_paid = ?, college_loan_total = ?,
+          updated_at = CURRENT_TIMESTAMP
+        WHERE user_id = ?
+      `, [
+        currentSalary, additionalIncome, monthlyExpenses, monthlyDebtPayments,
+        retirementSavings, retirementContribution, emergencyFund,
+        inCollege ? 1 : 0, expectedGraduation, partTimeIncome, tuitionPaid, collegeLoanTotal,
+        req.userId
+      ]);
+    } else {
+      await db.run(`
+        INSERT INTO financial_profile (
+          id, user_id, current_salary, additional_income, monthly_expenses, monthly_debt_payments,
+          retirement_savings, retirement_contribution, emergency_fund, in_college, expected_graduation,
+          part_time_income, tuition_paid, college_loan_total
+        ) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+      `, [
+        uuidv4(), req.userId, currentSalary, additionalIncome, monthlyExpenses, monthlyDebtPayments,
+        retirementSavings, retirementContribution, emergencyFund,
+        inCollege ? 1 : 0, expectedGraduation, partTimeIncome, tuitionPaid, collegeLoanTotal
+      ]);
+    }
+
+    res.status(200).json({ message: 'Financial profile saved.' });
+  } catch (error) {
+    console.error('Error saving financial profile:', error);
+    res.status(500).json({ error: 'Failed to save financial profile.' });
+  }
+});
+
+
 // Retrieve career history
 app.get('/api/premium/career-history', authenticatePremiumUser, async (req, res) => {
   try {
diff --git a/src/components/FinancialProfileForm.js b/src/components/FinancialProfileForm.js
index 834b41c..b0fbd64 100644
--- a/src/components/FinancialProfileForm.js
+++ b/src/components/FinancialProfileForm.js
@@ -1,5 +1,7 @@
 import React, { useState, useEffect } from "react";
 import { useLocation, useNavigate } from 'react-router-dom';
+import authFetch from '../utils/authFetch.js';
+
 
 export default function FinancialProfileForm() {
     const location = useLocation();
@@ -27,23 +29,36 @@ export default function FinancialProfileForm() {
   useEffect(() => {
     console.log("✅ selectedCareer in useEffect:", selectedCareer);
   }, [selectedCareer]);
-  
+
   // Fetch existing data on mount
   useEffect(() => {
-    async function fetchProfile() {
-      try {
-        const res = await fetch(`/api/premium/financial-profile?user_id=${userId}`);
-        if (res.ok) {
-          const data = await res.json();
+  async function fetchFinancialProfile() {
+    try {
+        const res = await authFetch("/api/premium/financial-profile", {
+            method: "GET",
+            headers: {
+              "Authorization": `Bearer ${localStorage.getItem('token')}`
+            }
+          });
+          
+      if (res.ok) {
+        const data = await res.json();
+        if (data && Object.keys(data).length > 0) {
           setFormData((prev) => ({ ...prev, ...data }));
+        } else {
+          console.log("No existing financial profile. Starting fresh.");
         }
-      } catch (err) {
-        console.error("Failed to fetch financial profile", err);
+      } else {
+        console.warn("Response not OK when fetching financial profile:", res.status);
       }
+    } catch (err) {
+      console.error("Failed to fetch financial profile", err);
     }
+  }
+
+  fetchFinancialProfile();
+}, [userId]);
 
-    fetchProfile();
-  }, [userId]);
 
   const handleChange = (e) => {
     const { name, value, type, checked } = e.target;
@@ -56,7 +71,7 @@ export default function FinancialProfileForm() {
   const handleSubmit = async (e) => {
     e.preventDefault();
     try {
-      const res = await fetch("/api/premium/financial-profile", {
+      const res = await authFetch("/api/premium/financial-profile", {
         method: "POST",
         headers: { "Content-Type": "application/json" },
         body: JSON.stringify({ user_id: userId, ...formData })
diff --git a/user_profile.db b/user_profile.db
index 5b5debd..4e9e72c 100644
Binary files a/user_profile.db and b/user_profile.db differ