id	sid	eid	entity	type
abr-209	1	1	1	CARDINAL
abr-209	1	2	kenneth white	PERSON
abr-209	1	3	ph.d	ORG
abr-209	2	1	university of georgia kim love	ORG
abr-209	2	2	ph.d	NORP
abr-209	3	1	k.r.	GPE
abr-209	3	2	erin bruce university	PERSON
abr-209	3	3	ph.d	ORG
abr-209	3	4	lmft kansas state university	ORG
abr-209	3	5	eun jin kwak university	PERSON
abr-209	3	6	georgia	GPE
abr-209	3	7	john grable	PERSON
abr-209	3	8	ph.d	ORG
abr-209	3	9	cfp® university of georgia	ORG
abr-209	5	1	1,379	CARDINAL
abr-209	5	2	73	CARDINAL
abr-209	6	1	29%	PERCENT
abr-209	6	2	only 0.5%	PERCENT
abr-209	11	1	gilbert	PERSON
abr-209	11	2	2010	DATE
abr-209	14	1	december 2017	DATE
abr-209	14	2	over 50%	PERCENT
abr-209	14	3	only 33.5%	PERCENT
abr-209	15	1	12.7%	PERCENT
abr-209	15	2	only 5.0%	PERCENT
abr-209	15	3	u.s. department of labor	ORG
abr-209	15	4	bureau of labor statistics	ORG
abr-209	16	1	2018	DATE
abr-209	16	2	u.s.	GPE
abr-209	16	3	2017	DATE
abr-209	17	1	2019	DATE
abr-209	17	2	9	CARDINAL
abr-209	17	3	1-16 2	QUANTITY
abr-209	17	4	millions of dollars	MONEY
abr-209	22	1	annual	DATE
abr-209	22	2	88,890	MONEY
abr-209	22	3	bls	PRODUCT
abr-209	23	1	10-year	DATE
abr-209	23	2	15%	PERCENT
abr-209	23	3	bls, 2017a	ORG
abr-209	25	1	2018a	DATE
abr-209	30	1	cfp board,	ORG
abr-209	30	2	2018a	DATE
abr-209	30	3	the bureau of labor statistics	ORG
abr-209	30	4	only 23.4%	PERCENT
abr-209	30	5	3.5%	PERCENT
abr-209	31	1	u.s.	GPE
abr-209	33	1	lahey & quistnewins	ORG
abr-209	33	2	2011	DATE
abr-209	34	1	weekly	DATE
abr-209	34	2	1,714	MONEY
abr-209	34	3	953	MONEY
abr-209	34	4	bls	ORG
abr-209	35	1	cfp board	ORG
abr-209	35	2	2018a	DATE
abr-209	35	3	bls	ORG
abr-209	35	4	2017b	DATE
abr-209	35	5	bls, 2018	ORG
abr-209	36	1	2018	DATE
abr-209	37	1	one	CARDINAL
abr-209	45	1	3	CARDINAL
abr-209	47	1	the cfp board	ORG
abr-209	48	1	cfp board	ORG
abr-209	48	2	two	CARDINAL
abr-209	48	3	2014	DATE
abr-209	48	4	2018	DATE
abr-209	49	1	two	CARDINAL
abr-209	49	2	first	ORDINAL
abr-209	49	3	second	ORDINAL
abr-209	49	4	zhang et al.	PERSON
abr-209	49	5	2017	DATE
abr-209	51	1	first	ORDINAL
abr-209	52	1	day	DATE
abr-209	53	1	the united states	GPE
abr-209	53	2	2015	DATE
abr-209	54	1	the cfp board	ORG
abr-209	54	2	2018a)1	CARDINAL
abr-209	54	3	three	CARDINAL
abr-209	55	1	first	ORDINAL
abr-209	56	1	59%	PERCENT
abr-209	56	2	2018	DATE
abr-209	56	3	3%	PERCENT
abr-209	56	4	2018b	DATE
abr-209	57	1	second	ORDINAL
abr-209	58	1	2018b	DATE
abr-209	58	2	56%	PERCENT
abr-209	58	3	78%	PERCENT
abr-209	59	1	cfp board (	ORG
abr-209	60	1	eisenberg	PERSON
abr-209	60	2	2018	DATE
abr-209	60	3	cfp board’s	ORG
abr-209	60	4	cfp board	ORG
abr-209	60	5	2018a	DATE
abr-209	61	1	third	ORDINAL
abr-209	61	2	2018a).2	CARDINAL
abr-209	62	1	1 the 2018a	DATE
abr-209	62	2	cfp board study	ORG
abr-209	62	3	100,000	MONEY
abr-209	62	4	the ages of 20 and 54	DATE
abr-209	64	1	2,276	CARDINAL
abr-209	64	2	the united states	GPE
abr-209	65	1	2	CARDINAL
abr-209	66	1	4	CARDINAL
abr-209	69	1	the past decade	DATE
abr-209	70	1	april 2017	DATE
abr-209	70	2	the cfp board	ORG
abr-209	71	1	cfp board’s	ORG
abr-209	71	2	2013	DATE
abr-209	72	1	cfp board	ORG
abr-209	73	1	2014	DATE
abr-209	73	2	cfp	ORG
abr-209	73	3	41%	PERCENT
abr-209	73	4	2016	DATE
abr-209	73	5	cfp board	ORG
abr-209	73	6	2014	DATE
abr-209	75	1	kurlowicz, 2014	ORG
abr-209	76	1	2018	DATE
abr-209	76	2	garmhausen	PERSON
abr-209	76	3	2016	DATE
abr-209	76	4	kurlowicz, 2014	ORG
abr-209	76	5	43%	PERCENT
abr-209	76	6	40%	PERCENT
abr-209	76	7	cfp board	ORG
abr-209	76	8	2014	DATE
abr-209	77	1	bisco	ORG
abr-209	77	2	& mulholland	ORG
abr-209	77	3	2018	DATE
abr-209	77	4	cfp board,	ORG
abr-209	77	5	2018a	DATE
abr-209	79	1	more than half	CARDINAL
abr-209	79	2	2014	DATE
abr-209	79	3	aum	ORG
abr-209	79	4	2014	DATE
abr-209	79	5	2018	DATE
abr-209	80	1	jaekel & st-onge	ORG
abr-209	80	2	2016	DATE
abr-209	82	1	one	CARDINAL
abr-209	82	2	2000	DATE
abr-209	82	3	murrell & james	ORG
abr-209	82	4	2001	DATE
abr-209	83	1	ibarra & hunter	ORG
abr-209	83	2	2007	DATE
abr-209	83	3	one	CARDINAL
abr-209	84	1	3	CARDINAL
abr-209	84	2	two	CARDINAL
abr-209	86	1	first	ORDINAL
abr-209	86	2	1,792	CARDINAL
abr-209	87	1	second	ORDINAL
abr-209	88	1	2012	DATE
abr-209	88	2	2013	DATE
abr-209	88	3	1,100	CARDINAL
abr-209	89	1	cfp board	ORG
abr-209	89	2	2014	DATE
abr-209	90	1	one	CARDINAL
abr-209	91	1	1,229	CARDINAL
abr-209	92	1	5	CARDINAL
abr-209	93	1	becker	PERSON
abr-209	93	2	cookston	GPE
abr-209	93	3	khosropour, & martinez	ORG
abr-209	93	4	2003	DATE
abr-209	93	5	harlan	GPE
abr-209	93	6	2010	DATE
abr-209	94	1	almquist & angrist	ORG
abr-209	94	2	1971	DATE
abr-209	94	3	flouri & buchanan	ORG
abr-209	94	4	2011	DATE
abr-209	94	5	gibson	PERSON
abr-209	94	6	2004	DATE
abr-209	94	7	karunanayake & nauta	ORG
abr-209	94	8	2011	DATE
abr-209	94	9	quimby & desantis	ORG
abr-209	94	10	2011	DATE
abr-209	94	11	rivera	PERSON
abr-209	94	12	chen	PERSON
abr-209	94	13	flores	PERSON
abr-209	94	14	blumberg, & ponterotto	ORG
abr-209	94	15	2007	DATE
abr-209	98	1	2015	DATE
abr-209	100	1	1,000	CARDINAL
abr-209	101	1	u.s.	GPE
abr-209	101	2	approximately 150	CARDINAL
abr-209	108	1	two	CARDINAL
abr-209	109	1	one	CARDINAL
abr-209	109	2	1973	DATE
abr-209	115	1	gibson	PERSON
abr-209	115	2	1966	DATE
abr-209	115	3	gregory	ORG
abr-209	115	4	1970	DATE
abr-209	115	5	1974	DATE
abr-209	116	1	gibson	PERSON
abr-209	116	2	1972	DATE
abr-209	120	1	gibson	PERSON
abr-209	120	2	1966	DATE
abr-209	120	3	1972	DATE
abr-209	124	1	6	CARDINAL
abr-209	127	1	one	CARDINAL
abr-209	128	1	2016	DATE
abr-209	129	1	financial planning magazine	ORG
abr-209	129	2	the united states	GPE
abr-209	130	1	aum	ORG
abr-209	131	1	73	CARDINAL
abr-209	135	1	aum	ORG
abr-209	135	2	first	ORDINAL
abr-209	135	3	cfp	ORG
abr-209	135	4	cfa	PERSON
abr-209	138	1	midwest	LOC
abr-209	146	1	1,379	CARDINAL
abr-209	147	1	1	CARDINAL
abr-209	147	2	0	CARDINAL
abr-209	149	1	1	CARDINAL
abr-209	149	2	0	CARDINAL
abr-209	149	3	1	CARDINAL
abr-209	149	4	0	CARDINAL
abr-209	151	1	first	ORDINAL
abr-209	152	1	7	CARDINAL
abr-209	154	1	1	CARDINAL
abr-209	154	2	2	CARDINAL
abr-209	154	3	3	CARDINAL
abr-209	154	4	4	CARDINAL
abr-209	154	5	1	CARDINAL
abr-209	154	6	2	CARDINAL
abr-209	154	7	3	CARDINAL
abr-209	155	1	1	CARDINAL
abr-209	155	2	0	CARDINAL
abr-209	155	3	cfa	ORG
abr-209	155	4	1	CARDINAL
abr-209	155	5	0	CARDINAL
abr-209	155	6	1	CARDINAL
abr-209	155	7	0	CARDINAL
abr-209	155	8	4	CARDINAL
abr-209	155	9	1	CARDINAL
abr-209	155	10	0	CARDINAL
abr-209	156	1	gamboa, & peiró	ORG
abr-209	156	2	2018	DATE
abr-209	158	1	two	CARDINAL
abr-209	159	1	first	ORDINAL
abr-209	161	1	second	ORDINAL
abr-209	164	1	1	CARDINAL
abr-209	165	1	1,379	CARDINAL
abr-209	165	2	29%	PERCENT
abr-209	165	3	only seven	CARDINAL
abr-209	165	4	0.5%	PERCENT
abr-209	165	5	only one	CARDINAL
abr-209	168	1	1	CARDINAL
abr-209	169	1	395	CARDINAL
abr-209	169	2	29.0%	PERCENT
abr-209	169	3	7 1356 0.5%	PERCENT
abr-209	169	4	1 1346 0.1%	PERCENT
abr-209	169	5	2	CARDINAL
abr-209	169	6	2	CARDINAL
abr-209	169	7	chi-square	PERSON
abr-209	170	1	0.05	CARDINAL
abr-209	170	2	80.0%	PERCENT
abr-209	170	3	73.5%	PERCENT
abr-209	170	4	8	CARDINAL
abr-209	170	5	cfa	PERSON
abr-209	170	6	cfa	ORG
abr-209	171	1	cfp	ORG
abr-209	172	1	2	CARDINAL
abr-209	173	1	n (%	PERCENT
abr-209	173	2	n (%	PERCENT
abr-209	173	3	γ p	ORG
abr-209	174	1	748	CARDINAL
abr-209	174	2	80.0%	PERCENT
abr-209	174	3	277	CARDINAL
abr-209	174	4	73.5%	PERCENT
abr-209	174	5	6.694	CARDINAL
abr-209	174	6	20.0%	PERCENT
abr-209	174	7	100	CARDINAL
abr-209	174	8	26.5%	PERCENT
abr-209	174	9	183	CARDINAL
abr-209	174	10	18.9%	PERCENT
abr-209	174	11	87	DATE
abr-209	174	12	22.0%	PERCENT
abr-209	174	13	17.203	CARDINAL
abr-209	174	14	3 0.001	CARDINAL
abr-209	174	15	32.2%	PERCENT
abr-209	174	16	84	DATE
abr-209	174	17	21.3%	PERCENT
abr-209	174	18	275	CARDINAL
abr-209	174	19	28.5%	PERCENT
abr-209	174	20	122	CARDINAL
abr-209	174	21	30.9%	PERCENT
abr-209	174	22	west 197	DATE
abr-209	174	23	20.4%	PERCENT
abr-209	174	24	102	CARDINAL
abr-209	174	25	25.8%	PERCENT
abr-209	174	26	91	CARDINAL
abr-209	174	27	12.2%	PERCENT
abr-209	174	28	56	DATE
abr-209	174	29	17.9%	PERCENT
abr-209	175	1	0.049	CARDINAL
abr-209	175	2	382	CARDINAL
abr-209	175	3	51.1%	PERCENT
abr-209	175	4	154	CARDINAL
abr-209	175	5	49.2%	PERCENT
abr-209	175	6	241	CARDINAL
abr-209	175	7	32.3%	PERCENT
abr-209	175	8	92	CARDINAL
abr-209	175	9	29.4%	PERCENT
abr-209	175	10	33	DATE
abr-209	175	11	4.4%	PERCENT
abr-209	175	12	11	DATE
abr-209	175	13	3.5%	PERCENT
abr-209	175	14	408	CARDINAL
abr-209	175	15	42.3%	PERCENT
abr-209	175	16	173	CARDINAL
abr-209	175	17	43.8%	PERCENT
abr-209	175	18	0.264	CARDINAL
abr-209	175	19	557	CARDINAL
abr-209	175	20	57.7%	PERCENT
abr-209	175	21	222	CARDINAL
abr-209	175	22	56.2%	PERCENT
abr-209	176	1	cfa cfa 172	PERSON
abr-209	176	2	17.8%	PERCENT
abr-209	176	3	36	DATE
abr-209	176	4	9.1%	PERCENT
abr-209	176	5	16.358 1 < 0.001	QUANTITY
abr-209	176	6	794	CARDINAL
abr-209	176	7	82.2%	PERCENT
abr-209	176	8	359	CARDINAL
abr-209	176	9	90.9%	PERCENT
abr-209	176	10	103	CARDINAL
abr-209	176	11	10.7%	PERCENT
abr-209	176	12	38	DATE
abr-209	176	13	9.6%	PERCENT
abr-209	177	1	0.325 1 0.569	CARDINAL
abr-209	177	2	861	CARDINAL
abr-209	177	3	89.3%	PERCENT
abr-209	177	4	356	CARDINAL
abr-209	177	5	90.4%	PERCENT
abr-209	178	1	76.6%	PERCENT
abr-209	178	2	310	CARDINAL
abr-209	178	3	78.5%	PERCENT
abr-209	178	4	0.392 1 170	MONEY
abr-209	178	5	17.6%	PERCENT
abr-209	178	6	68	DATE
abr-209	178	7	17.2%	PERCENT
abr-209	178	8	2 43	DATE
abr-209	178	9	4.5%	PERCENT
abr-209	178	10	14	DATE
abr-209	178	11	3.5%	PERCENT
abr-209	178	12	3 9	DATE
abr-209	178	13	0.9%	PERCENT
abr-209	178	14	0	CARDINAL
abr-209	179	1	0.0%	PERCENT
abr-209	179	2	4 4	DATE
abr-209	179	3	0.4%	PERCENT
abr-209	179	4	3	CARDINAL
abr-209	179	5	0.8%	PERCENT
abr-209	180	1	262	CARDINAL
abr-209	180	2	27.1%	PERCENT
abr-209	180	3	91	DATE
abr-209	180	4	23.0%	PERCENT
abr-209	180	5	2.434 1	DATE
abr-209	180	6	72.9%	PERCENT
abr-209	180	7	304	CARDINAL
abr-209	180	8	77.0%	PERCENT
abr-209	180	9	9	CARDINAL
abr-209	180	10	3	CARDINAL
abr-209	181	1	3	CARDINAL
abr-209	182	1	71.5%	PERCENT
abr-209	182	2	78.9%	PERCENT
abr-209	183	1	less than half	CARDINAL
abr-209	184	1	cfa	ORG
abr-209	185	1	seven	CARDINAL
abr-209	185	2	four	CARDINAL
abr-209	185	3	57.1%	PERCENT
abr-209	185	4	29.0%	PERCENT
abr-209	186	1	3	CARDINAL
abr-209	187	1	5	CARDINAL
abr-209	187	2	71.5%	PERCENT
abr-209	187	3	1024	DATE
abr-209	187	4	78.8%	PERCENT
abr-209	188	1	28.6%	PERCENT
abr-209	188	2	276	CARDINAL
abr-209	188	3	21.2%	PERCENT
abr-209	188	4	0	CARDINAL
abr-209	188	5	0.0%	PERCENT
abr-209	188	6	269	CARDINAL
abr-209	188	7	19.9%	PERCENT
abr-209	188	8	57.1%	PERCENT
abr-209	188	9	391	CARDINAL
abr-209	188	10	29.0%	PERCENT
abr-209	188	11	14.3%	PERCENT
abr-209	188	12	394	CARDINAL
abr-209	188	13	29.2%	PERCENT
abr-209	188	14	west 2	DATE
abr-209	188	15	28.6%	PERCENT
abr-209	188	16	295	CARDINAL
abr-209	188	17	21.9%	PERCENT
abr-209	188	18	0	CARDINAL
abr-209	189	1	0.0%	PERCENT
abr-209	189	2	149	CARDINAL
abr-209	189	3	14.2%	PERCENT
abr-209	189	4	3	CARDINAL
abr-209	189	5	75.0%	PERCENT
abr-209	189	6	527	CARDINAL
abr-209	189	7	50.1%	PERCENT
abr-209	189	8	1	CARDINAL
abr-209	189	9	25.0%	PERCENT
abr-209	189	10	333	CARDINAL
abr-209	189	11	31.7%	PERCENT
abr-209	189	12	0	CARDINAL
abr-209	189	13	0.0%	PERCENT
abr-209	189	14	42	DATE
abr-209	189	15	4.0%	PERCENT
abr-209	189	16	3	CARDINAL
abr-209	189	17	42.9%	PERCENT
abr-209	189	18	575	CARDINAL
abr-209	189	19	42.7%	PERCENT
abr-209	190	1	4	CARDINAL
abr-209	190	2	57.1%	PERCENT
abr-209	190	3	773	CARDINAL
abr-209	190	4	57.3%	PERCENT
abr-209	191	1	cfa cfa 0	PERSON
abr-209	191	2	0.0%	PERCENT
abr-209	191	3	207	CARDINAL
abr-209	191	4	15.3%	PERCENT
abr-209	191	5	100.0%	PERCENT
abr-209	191	6	1142	CARDINAL
abr-209	191	7	84.7%	PERCENT
abr-209	191	8	0	CARDINAL
abr-209	191	9	0.0%	PERCENT
abr-209	191	10	141	CARDINAL
abr-209	191	11	10.5%	PERCENT
abr-209	192	1	7	CARDINAL
abr-209	192	2	100.0%	PERCENT
abr-209	192	3	1205	DATE
abr-209	192	4	89.5%	PERCENT
abr-209	192	5	0 7	DATE
abr-209	192	6	100.0%	PERCENT
abr-209	192	7	1041	DATE
abr-209	192	8	77.2%	PERCENT
abr-209	192	9	1	CARDINAL
abr-209	192	10	0.0%	PERCENT
abr-209	192	11	238	CARDINAL
abr-209	192	12	17.6%	PERCENT
abr-209	192	13	2	CARDINAL
abr-209	192	14	0.0%	PERCENT
abr-209	192	15	54	DATE
abr-209	192	16	4.0%	PERCENT
abr-209	192	17	3	CARDINAL
abr-209	192	18	0.0%	PERCENT
abr-209	192	19	9	CARDINAL
abr-209	192	20	0.7%	PERCENT
abr-209	192	21	4	CARDINAL
abr-209	192	22	0.0%	PERCENT
abr-209	192	23	7	CARDINAL
abr-209	192	24	0.5%	PERCENT
abr-209	193	1	2 (28.6%	PERCENT
abr-209	193	2	346	CARDINAL
abr-209	193	3	25.6%	PERCENT
abr-209	194	1	no 5	DATE
abr-209	194	2	71.4%	PERCENT
abr-209	194	3	1003	DATE
abr-209	194	4	74.4%	PERCENT
abr-209	194	5	10	CARDINAL
abr-209	196	1	cfa	ORG
abr-209	197	1	4	CARDINAL
abr-209	197	2	4	CARDINAL
abr-209	198	1	wald χ2 df	ORG
abr-209	198	2	2.234	CARDINAL
abr-209	198	3	40.51 3 < 0.001	QUANTITY
abr-209	198	4	4.477	CARDINAL
abr-209	198	5	0.214	CARDINAL
abr-209	198	6	32.946 1 < 0.001	QUANTITY
abr-209	198	7	2.08	CARDINAL
abr-209	198	8	0.02 1 0.888	CARDINAL
abr-209	198	9	0.085 1 0.771	QUANTITY
abr-209	198	10	3.52 1 0.061	CARDINAL
abr-209	198	11	0.588 3 0.899	QUANTITY
abr-209	198	12	14.479 3 0.002	QUANTITY
abr-209	198	13	0.837 1 0.360	CARDINAL
abr-209	198	14	0.232	CARDINAL
abr-209	198	15	0.630	CARDINAL
abr-209	198	16	0.027 1 0.870	CARDINAL
abr-209	198	17	2.966 1 0.085	QUANTITY
abr-209	198	18	2.922 1 0.087	QUANTITY
abr-209	199	1	0.05	CARDINAL
abr-209	199	2	0.01	CARDINAL
abr-209	199	3	4	CARDINAL
abr-209	200	1	5	CARDINAL
abr-209	201	1	87%	PERCENT
abr-209	201	2	54%	PERCENT
abr-209	203	1	1	CARDINAL
abr-209	204	1	11	CARDINAL
abr-209	204	2	5	CARDINAL
abr-209	204	3	95%	PERCENT
abr-209	206	1	0.87 0.048 0.74	MONEY
abr-209	206	2	0.94	CARDINAL
abr-209	206	3	0.54	CARDINAL
abr-209	206	4	0.32 0.75	CARDINAL
abr-209	206	5	0.76 0.038 0.68 0.83	MONEY
abr-209	206	6	1 0.601	CARDINAL
abr-209	206	7	0.80 0.059 0.66 0.89	MONEY
abr-209	206	8	0.84 0.021 0.77 0.89	MONEY
abr-209	206	9	0.80 0.058 0.66 0.89	MONEY
abr-209	206	10	0.83 0.066 0.66	MONEY
abr-209	206	11	1 0.111	CARDINAL
abr-209	206	12	0.54	CARDINAL
abr-209	206	13	0.174 0.23 0.82	QUANTITY
abr-209	206	14	1	CARDINAL
abr-209	206	15	95%	PERCENT
abr-209	207	1	6	CARDINAL
abr-209	208	1	midwest	LOC
abr-209	208	2	58%	PERCENT
abr-209	208	3	78% to 84%	PERCENT
abr-209	209	1	7	CARDINAL
abr-209	210	1	85%	PERCENT
abr-209	210	2	65%	PERCENT
abr-209	211	1	0.25	CARDINAL
abr-209	216	1	12	CARDINAL
abr-209	216	2	6	CARDINAL
abr-209	216	3	95%	PERCENT
abr-209	216	4	0.05	CARDINAL
abr-209	218	1	0.78 0.051 0.66 0.86	MONEY
abr-209	218	2	0.80 0.041 0.71 0.87	MONEY
abr-209	218	3	0.58 0.057 0.47 0.69	QUANTITY
abr-209	218	4	0.84 0.037 0.76 0.90	MONEY
abr-209	218	5	7	CARDINAL
abr-209	218	6	cfp	ORG
abr-209	218	7	95%	PERCENT
abr-209	218	8	cfp est	ORG
abr-209	220	1	0.85	CARDINAL
abr-209	220	2	0.77 0.90	CARDINAL
abr-209	220	3	non-cfp	PERSON
abr-209	220	4	0.65	CARDINAL
abr-209	226	1	the bureau of labor statistics	ORG
abr-209	226	2	cfp board	ORG
abr-209	229	1	only around 29%	PERCENT
abr-209	229	2	half	CARDINAL
abr-209	229	3	u.s.	GPE
abr-209	229	4	2017	DATE
abr-209	234	1	13	CARDINAL
abr-209	241	1	one	CARDINAL
abr-209	248	1	king & multon	ORG
abr-209	248	2	1996	DATE
abr-209	250	1	one	CARDINAL
abr-209	253	1	k-12	PERSON
abr-209	253	2	1998	DATE
abr-209	253	3	african-american	NORP
abr-209	253	4	detroit	GPE
abr-209	254	1	the kpmg foundation	ORG
abr-209	254	2	citi	ORG
abr-209	254	3	1994	DATE
abr-209	255	1	african-americans	NORP
abr-209	255	2	hispanic-americans	NORP
abr-209	255	3	native americans	NORP
abr-209	255	4	tomorrow	DATE
abr-209	256	1	ten years	DATE
abr-209	256	2	294	CARDINAL
abr-209	256	3	746	CARDINAL
abr-209	256	4	2005	DATE
abr-209	258	1	2014	DATE
abr-209	261	1	one	CARDINAL
abr-209	261	2	14	CARDINAL
abr-209	262	1	al.	GPE
abr-209	262	2	2017	DATE
abr-209	268	1	bls 2018)—make	ORG
abr-209	274	1	e. m.	PERSON
abr-209	274	2	s. s.	PERSON
abr-209	274	3	1971	DATE
abr-209	276	1	merrill-palmer	ORG
abr-209	276	2	quarterly	DATE
abr-209	276	3	17(3	CARDINAL
abr-209	276	4	263	CARDINAL
abr-209	277	1	bisco	ORG
abr-209	277	2	j. m.	PERSON
abr-209	277	3	gradisher	PERSON
abr-209	277	4	s., & mulholland	ORG
abr-209	277	5	b. s.	PERSON
abr-209	277	6	2018	DATE
abr-209	279	1	social science research network	ORG
abr-209	280	1	2016	DATE
abr-209	282	1	journal of financial planning	ORG
abr-209	282	2	22(9	CARDINAL
abr-209	282	3	32	CARDINAL
abr-209	283	1	2014	DATE
abr-209	285	1	2018a	DATE
abr-209	287	1	2018b	DATE
abr-209	289	1	s. m. (	PERSON
abr-209	289	2	2018	DATE
abr-209	292	1	a.edu/celebrationoflearning/2018/presentations/24 lahey	PERSON
abr-209	292	2	k. e.	PERSON
abr-209	292	3	m. (	PERSON
abr-209	292	4	2011	DATE
abr-209	294	1	20(3	CARDINAL
abr-209	294	2	217	CARDINAL
abr-209	295	1	eisenberg	PERSON
abr-209	295	2	r.	PERSON
abr-209	295	3	2018, june 12	DATE
abr-209	297	1	forbes	PERSON
abr-209	299	1	15	CARDINAL
abr-209	299	2	s. r.	PERSON
abr-209	299	3	m., & baker	ORG
abr-209	300	1	s. d. (	PERSON
abr-209	300	2	2015	DATE
abr-209	302	1	42(5	CARDINAL
abr-209	302	2	355	CARDINAL
abr-209	303	1	doi:10.1177/0894845314566943 flouri	PERSON
abr-209	303	2	e., & buchanan.	ORG
abr-209	304	1	a.	PERSON
abr-209	304	2	2011	DATE
abr-209	306	1	quarterly	DATE
abr-209	306	2	51(1	CARDINAL
abr-209	306	3	36	CARDINAL
abr-209	307	1	doi:10	PERSON
abr-209	308	1	1002	DATE
abr-209	308	2	s.	PERSON
abr-209	308	3	2016, june 4	DATE
abr-209	310	1	barron’s	ORG
abr-209	310	2	http://www.barrons.com gibson	ORG
abr-209	310	3	d. e.	PERSON
abr-209	310	4	2004	DATE
abr-209	312	1	65(1	CARDINAL
abr-209	312	2	134	CARDINAL
abr-209	313	1	doi:10.1016	PERSON
abr-209	313	2	gibson	PERSON
abr-209	313	3	j. j.	PERSON
abr-209	313	4	1966	DATE
abr-209	315	1	boston	GPE
abr-209	315	2	ma: houghton mifflin	ORG
abr-209	316	1	gibson	PERSON
abr-209	316	2	j. j.	PERSON
abr-209	316	3	1972	DATE
abr-209	318	1	a. noe & e	ORG
abr-209	318	2	thompson	PERSON
abr-209	320	1	77-91	CARDINAL
abr-209	321	1	london	GPE
abr-209	322	1	gilbert	PERSON
abr-209	322	2	j.	PERSON
abr-209	322	3	g. s.	PERSON
abr-209	322	4	d.	PERSON
abr-209	322	5	2010	DATE
abr-209	324	1	1(1	CARDINAL
abr-209	324	2	73-81	CARDINAL
abr-209	325	1	gonzález-romá	PERSON
abr-209	325	2	gamboa	PERSON
abr-209	325	3	j. p., & peiró	PERSON
abr-209	325	4	j. m.	PERSON
abr-209	325	5	2018	DATE
abr-209	327	1	45(2	DATE
abr-209	327	2	132	CARDINAL
abr-209	328	1	doi:10.1177/0894845316671607 gregory	PERSON
abr-209	328	2	r. l.	PERSON
abr-209	328	3	1970	DATE
abr-209	330	1	new york	GPE
abr-209	330	2	n.y.	GPE
abr-209	331	1	mcgraw-hill book company	ORG
abr-209	332	1	gregory	ORG
abr-209	332	2	r. l.	PERSON
abr-209	332	3	1974	DATE
abr-209	334	1	new york	GPE
abr-209	334	2	n.y.	GPE
abr-209	335	1	charles scribner	PERSON
abr-209	336	1	w.	GPE
abr-209	336	2	r., & grable	ORG
abr-209	336	3	e. j.	PERSON
abr-209	336	4	2018	DATE
abr-209	339	1	115	CARDINAL
abr-209	340	1	ibarra, h., & hunter	ORG
abr-209	340	2	m.	PERSON
abr-209	340	3	2007	DATE
abr-209	342	1	101	CARDINAL
abr-209	343	1	jaekel, a., & st-onge	ORG
abr-209	343	2	2016, october 25	DATE
abr-209	345	1	harvard business review	ORG
abr-209	346	1	https://hbr.org	CARDINAL
abr-209	346	2	e. h.	PERSON
abr-209	346	3	2000	DATE
abr-209	348	1	11(5	CARDINAL
abr-209	348	2	493-508	CARDINAL
abr-209	349	1	doi:10.1287	GPE
abr-209	350	1	493.15202	CARDINAL
abr-209	350	2	d., & nauta	ORG
abr-209	350	3	m. m.	PERSON
abr-209	350	4	2011	DATE
abr-209	352	1	quarterly	DATE
abr-209	352	2	52(3	CARDINAL
abr-209	352	3	225	CARDINAL
abr-209	352	4	m. m.	PERSON
abr-209	352	5	k. d.	PERSON
abr-209	352	6	1996	DATE
abr-209	353	1	african american	NORP
abr-209	354	1	23(2	CARDINAL
abr-209	354	2	111	CARDINAL
abr-209	355	1	doi:10.1177/089484539602300202 kurlowicz	PERSON
abr-209	355	2	2014	DATE
abr-209	357	1	journal of financial service	ORG
abr-209	357	2	68(3	CARDINAL
abr-209	357	3	5662	CARDINAL
abr-209	357	4	e.	PERSON
abr-209	357	5	2015, december 14	DATE
abr-209	360	1	https://www.investmentnews.com mckeown	ORG
abr-209	360	2	2014, april	DATE
abr-209	363	1	b. j.	PERSON
abr-209	363	2	2005	DATE
abr-209	364	1	phd	PERSON
abr-209	365	1	13(3	CARDINAL
abr-209	365	2	30	CARDINAL
abr-209	366	1	murrell	ORG
abr-209	366	2	a. j., & james	PERSON
abr-209	366	3	e. h. (	PERSON
abr-209	368	1	45(5	CARDINAL
abr-209	368	2	243	CARDINAL
abr-209	369	1	doi:10.1023	GPE
abr-209	369	2	16	CARDINAL
abr-209	369	3	quimby	GPE
abr-209	369	4	j. l.	PERSON
abr-209	370	1	a. m. (	PERSON
abr-209	370	2	2011	DATE
abr-209	372	1	quarterly	DATE
abr-209	372	2	54(4	CARDINAL
abr-209	372	3	297	CARDINAL
abr-209	373	1	j.21610045.2006.tb00195.x rew	PERSON
abr-209	373	2	becker	PERSON
abr-209	373	3	cookston	PERSON
abr-209	373	4	j. c.	PERSON
abr-209	373	5	khosropour	GPE
abr-209	373	6	s., & martinez	ORG
abr-209	373	7	s.	PERSON
abr-209	373	8	2003	DATE
abr-209	375	1	42(6	CARDINAL
abr-209	375	2	249	CARDINAL
abr-209	376	1	l. m.	PERSON
abr-209	376	2	chen	PERSON
abr-209	376	3	e. c.	PERSON
abr-209	376	4	l. y.	PERSON
abr-209	376	5	blumberg, f., & ponterotto	ORG
abr-209	376	6	j. g.	PERSON
abr-209	376	7	2007	DATE
abr-209	377	1	hispanic	NORP
abr-209	378	1	quarterly	DATE
abr-209	378	2	56(1	CARDINAL
abr-209	378	3	47	CARDINAL
abr-209	378	4	n. f.	PERSON
abr-209	379	1	n. p.	PERSON
abr-209	379	2	spencer	PERSON
abr-209	379	3	d. j.	PERSON
abr-209	379	4	ray	GPE
abr-209	379	5	e. l.	PERSON
abr-209	379	6	alexander, a.	PERSON
abr-209	379	7	holaday	DATE
abr-209	379	8	l., greene	PERSON
abr-209	379	9	m. s.	PERSON
abr-209	379	10	sánchez	GPE
abr-209	379	11	j. p.	PERSON
abr-209	379	12	2017	CARDINAL
abr-209	381	1	45(5	CARDINAL
abr-209	381	2	440	CARDINAL
abr-209	382	1	0894845317709997	DATE
abr-209	383	1	smith-miller	ORG
abr-209	383	2	c. a.	PERSON
abr-209	383	3	harlan	GPE
abr-209	383	4	c. a.	PERSON
abr-209	383	5	dieckmann	ORG
abr-209	383	6	j., & sherwood	ORG
abr-209	383	7	2010	DATE
abr-209	385	1	45(1	CARDINAL
abr-209	385	2	18-28	CARDINAL
abr-209	386	1	doi:10.1111	ORG
abr-209	386	2	m. (	PERSON
abr-209	386	3	1973	DATE
abr-209	388	1	quarterly	DATE
abr-209	388	2	87(3	PERSON
abr-209	388	3	355-74	CARDINAL
abr-209	389	1	u.s.	GPE
abr-209	390	1	2017	CARDINAL
abr-209	391	1	2017	CARDINAL
abr-209	391	2	american	NORP
abr-209	391	3	u.s.	GPE
abr-209	391	4	bureau of labor statistics	ORG
abr-209	393	1	2017-18	DATE
abr-209	393	2	u.s. department of labor	ORG
abr-209	393	3	bureau of labor statistics	ORG
abr-209	394	1	2017b	CARDINAL
abr-209	395	1	daily	DATE
abr-209	395	2	82 percent	PERCENT
abr-209	395	3	2016	DATE
abr-209	396	1	u.s.	GPE
abr-209	396	2	bureau of labor statistics	ORG
abr-209	397	1	2018	DATE
abr-209	399	1	https://www.bls.gov/cps/cpsaat11.pdf zhang	PERSON
abr-209	399	2	l.	PERSON
abr-209	399	3	lee	PERSON
abr-209	399	4	e. s.	PERSON
abr-209	399	5	kenworthy	PERSON
abr-209	399	6	c. a.	PERSON
abr-209	399	7	chiang, s.	PERSON
abr-209	399	8	holaday	DATE
abr-209	399	9	l., spencer	ORG
abr-209	399	10	d. j.	PERSON
abr-209	399	11	n. p.	PERSON
abr-209	399	12	sánchez	GPE
abr-209	399	13	j. p.	PERSON
abr-209	399	14	2017	CARDINAL
abr-209	400	1	southeast	LOC
abr-209	400	2	east asian	NORP
abr-209	400	3	american medical	ORG