Her finances could have been railroaded.

A Far Rockaway woman who accidentally left $12,000 cash in a backpack on the Long Island RailRoad was joyful after being reunited with the dough.

Juliet Barton boarded the train in Babylon Monday with much of her life savings stuffed into the backpack to “protect” it — and panicked when she realized she had left it behind when she transferred before her final destination of Rockville Centre.

“That’s when I realized, ‘I don’t have my bag,’” Barton told Newsday.

She approached LIRR workers, who told her to go to Penn Station, where she filled out paperwork about her missing item — then went home to pray.

“I didn’t tell them about the money yet,” Barton recalled.

The next day she returned to Penn and revealed her secret to LIRR senior terminal manager John Persico.

“I said . . . ‘Did you know that I left $12,000 in there?’” she said.“He looked at me so concerned. Right away, I feel that love — like, he’s going to help me now.”

 A worker then came out and gave her the backpack, which had been found and turned in by the Babylon train’s conductor.

“Not a single dollar was missing,” MTA chairman and chief executive Janno Lieber said during a news conference Thursday with Barton and the transit workers who Lieber said who “showed kindness and concern when faced with a passenger who was going through that kind of stressful situation.”

“I was so grateful,” she said during the event at the MTA’s Jamaica headquarters.

She called the transit workers who helped her track down the cash the “best [on] Long Island . . . not because of the money, but because of what they did.”