id	sid	tid	token	lemma	pos
ajird-1553	1	1	american	american	PROPN
ajird-1553	1	2	journal	journal	PROPN
ajird-1553	1	3	of	of	ADP
ajird-1553	1	4	interdisciplinary	interdisciplinary	ADJ
ajird-1553	1	5	research	research	NOUN
ajird-1553	1	6	and	and	CCONJ
ajird-1553	1	7	development	development	NOUN
ajird-1553	1	8	issn	issn	PROPN
ajird-1553	1	9	online	online	NOUN
ajird-1553	1	10	:	:	PUNCT
ajird-1553	1	11	2771	2771	NUM
ajird-1553	1	12	-	-	SYM
ajird-1553	1	13	8948	8948	NUM
ajird-1553	1	14	website	website	NOUN
ajird-1553	1	15	:	:	PUNCT
ajird-1553	1	16	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1553	1	17	volume	volume	NOUN
ajird-1553	1	18	40	40	NUM
ajird-1553	1	19	,	,	PUNCT
ajird-1553	1	20	may2025	may2025	VERB
ajird-1553	1	21	18	18	NUM
ajird-1553	2	1	|	|	ADV
ajird-1553	2	2	p	p	NOUN
ajird-1553	2	3	a	a	DET
ajird-1553	2	4	g	g	NOUN
ajird-1553	2	5	e	e	NOUN
ajird-1553	2	6	factors	factor	NOUN
ajird-1553	2	7	influencing	influence	VERB
ajird-1553	2	8	financial	financial	ADJ
ajird-1553	2	9	decisionmaking	decisionmaking	NOUN
ajird-1553	2	10	and	and	CCONJ
ajird-1553	2	11	the	the	DET
ajird-1553	2	12	gender	gender	NOUN
ajird-1553	2	13	gap	gap	NOUN
ajird-1553	2	14	in	in	ADP
ajird-1553	2	15	financial	financial	ADJ
ajird-1553	2	16	behavior	behavior	NOUN
ajird-1553	2	17	davronova	davronova	X
ajird-1553	2	18	madina	madina	PROPN
ajird-1553	2	19	baxtiyorovna	baxtiyorovna	VERB
ajird-1553	2	20	bachelor	bachelor	PROPN
ajird-1553	2	21	’s	’s	PART
ajird-1553	2	22	degree	degree	NOUN
ajird-1553	2	23	second	second	ADJ
ajird-1553	2	24	-	-	PUNCT
ajird-1553	2	25	year	year	NOUN
ajird-1553	2	26	student	student	NOUN
ajird-1553	2	27	of	of	ADP
ajird-1553	2	28	the	the	DET
ajird-1553	2	29	tashkent	tashkent	PROPN
ajird-1553	2	30	state	state	PROPN
ajird-1553	2	31	university	university	PROPN
ajird-1553	2	32	of	of	ADP
ajird-1553	2	33	economics	economic	NOUN
ajird-1553	3	1	mdavronova05@gmail.com	mdavronova05@gmail.com	X
ajird-1553	3	2	shakhlo	shakhlo	PROPN
ajird-1553	3	3	davirova	davirova	PROPN
ajird-1553	3	4	phd	phd	PROPN
ajird-1553	3	5	,	,	PUNCT
ajird-1553	3	6	associate	associate	ADJ
ajird-1553	3	7	professor	professor	NOUN
ajird-1553	3	8	of	of	ADP
ajird-1553	3	9	the	the	DET
ajird-1553	3	10	department	department	NOUN
ajird-1553	3	11	"	"	PUNCT
ajird-1553	3	12	banking	banking	NOUN
ajird-1553	3	13	"	"	PUNCT
ajird-1553	3	14	of	of	ADP
ajird-1553	3	15	the	the	DET
ajird-1553	3	16	tashkent	tashkent	PROPN
ajird-1553	3	17	state	state	PROPN
ajird-1553	3	18	university	university	PROPN
ajird-1553	3	19	of	of	ADP
ajird-1553	3	20	economics	economic	NOUN
ajird-1553	3	21	davirova_shaxlo@tsue.uz	davirova_shaxlo@tsue.uz	NOUN
ajird-1553	3	22	abstract	abstract	ADJ
ajird-1553	3	23	financial	financial	ADJ
ajird-1553	3	24	literacy	literacy	NOUN
ajird-1553	3	25	is	be	AUX
ajird-1553	3	26	a	a	DET
ajird-1553	3	27	critical	critical	ADJ
ajird-1553	3	28	aspect	aspect	NOUN
ajird-1553	3	29	of	of	ADP
ajird-1553	3	30	a	a	DET
ajird-1553	3	31	country	country	NOUN
ajird-1553	3	32	's	's	PART
ajird-1553	3	33	economic	economic	ADJ
ajird-1553	3	34	stability	stability	NOUN
ajird-1553	3	35	and	and	CCONJ
ajird-1553	3	36	overall	overall	ADJ
ajird-1553	3	37	development	development	NOUN
ajird-1553	3	38	.	.	PUNCT
ajird-1553	4	1	by	by	ADP
ajird-1553	4	2	increasing	increase	VERB
ajird-1553	4	3	financial	financial	ADJ
ajird-1553	4	4	literacy	literacy	NOUN
ajird-1553	4	5	,	,	PUNCT
ajird-1553	4	6	we	we	PRON
ajird-1553	4	7	can	can	AUX
ajird-1553	4	8	foster	foster	VERB
ajird-1553	4	9	economic	economic	ADJ
ajird-1553	4	10	stability	stability	NOUN
ajird-1553	4	11	and	and	CCONJ
ajird-1553	4	12	improve	improve	VERB
ajird-1553	4	13	the	the	DET
ajird-1553	4	14	personal	personal	ADJ
ajird-1553	4	15	and	and	CCONJ
ajird-1553	4	16	household	household	NOUN
ajird-1553	4	17	well	well	ADV
ajird-1553	4	18	-	-	PUNCT
ajird-1553	4	19	being	being	NOUN
ajird-1553	4	20	of	of	ADP
ajird-1553	4	21	the	the	DET
ajird-1553	4	22	population	population	NOUN
ajird-1553	4	23	.	.	PUNCT
ajird-1553	5	1	when	when	SCONJ
ajird-1553	5	2	people	people	NOUN
ajird-1553	5	3	have	have	VERB
ajird-1553	5	4	a	a	DET
ajird-1553	5	5	strong	strong	ADJ
ajird-1553	5	6	grasp	grasp	NOUN
ajird-1553	5	7	of	of	ADP
ajird-1553	5	8	basic	basic	ADJ
ajird-1553	5	9	finances	finance	NOUN
ajird-1553	5	10	,	,	PUNCT
ajird-1553	5	11	they	they	PRON
ajird-1553	5	12	are	be	AUX
ajird-1553	5	13	better	well	ADV
ajird-1553	5	14	equipped	equip	VERB
ajird-1553	5	15	to	to	PART
ajird-1553	5	16	plan	plan	VERB
ajird-1553	5	17	for	for	ADP
ajird-1553	5	18	retirement	retirement	NOUN
ajird-1553	5	19	securely	securely	ADV
ajird-1553	5	20	,	,	PUNCT
ajird-1553	5	21	start	start	VERB
ajird-1553	5	22	businesses	business	NOUN
ajird-1553	5	23	,	,	PUNCT
ajird-1553	5	24	and	and	CCONJ
ajird-1553	5	25	invest	invest	VERB
ajird-1553	5	26	wisely	wisely	ADV
ajird-1553	5	27	.	.	PUNCT
ajird-1553	6	1	this	this	PRON
ajird-1553	6	2	,	,	PUNCT
ajird-1553	6	3	in	in	ADP
ajird-1553	6	4	turn	turn	NOUN
ajird-1553	6	5	,	,	PUNCT
ajird-1553	6	6	fuels	fuel	NOUN
ajird-1553	6	7	innovation	innovation	NOUN
ajird-1553	6	8	,	,	PUNCT
ajird-1553	6	9	creates	create	VERB
ajird-1553	6	10	new	new	ADJ
ajird-1553	6	11	jobs	job	NOUN
ajird-1553	6	12	,	,	PUNCT
ajird-1553	6	13	increases	increase	VERB
ajird-1553	6	14	money	money	NOUN
ajird-1553	6	15	circulation	circulation	NOUN
ajird-1553	6	16	,	,	PUNCT
ajird-1553	6	17	and	and	CCONJ
ajird-1553	6	18	drives	drive	VERB
ajird-1553	6	19	economic	economic	ADJ
ajird-1553	6	20	growth	growth	NOUN
ajird-1553	6	21	.	.	PUNCT
ajird-1553	7	1	gender	gender	NOUN
ajird-1553	7	2	gap	gap	NOUN
ajird-1553	7	3	in	in	ADP
ajird-1553	7	4	finances	finance	NOUN
ajird-1553	7	5	must	must	AUX
ajird-1553	7	6	be	be	AUX
ajird-1553	7	7	studied	study	VERB
ajird-1553	7	8	as	as	SCONJ
ajird-1553	7	9	it	it	PRON
ajird-1553	7	10	reveals	reveal	VERB
ajird-1553	7	11	inequalities	inequality	NOUN
ajird-1553	7	12	that	that	PRON
ajird-1553	7	13	can	can	AUX
ajird-1553	7	14	be	be	AUX
ajird-1553	7	15	critical	critical	ADJ
ajird-1553	7	16	for	for	ADP
ajird-1553	7	17	economies	economy	NOUN
ajird-1553	7	18	as	as	ADP
ajird-1553	7	19	a	a	DET
ajird-1553	7	20	whole	whole	NOUN
ajird-1553	7	21	.	.	PUNCT
ajird-1553	8	1	numerous	numerous	ADJ
ajird-1553	8	2	studies	study	NOUN
ajird-1553	8	3	have	have	AUX
ajird-1553	8	4	revealed	reveal	VERB
ajird-1553	8	5	that	that	SCONJ
ajird-1553	8	6	a	a	DET
ajird-1553	8	7	significant	significant	ADJ
ajird-1553	8	8	portion	portion	NOUN
ajird-1553	8	9	of	of	ADP
ajird-1553	8	10	women	woman	NOUN
ajird-1553	8	11	lack	lack	VERB
ajird-1553	8	12	financial	financial	ADJ
ajird-1553	8	13	literacy	literacy	NOUN
ajird-1553	8	14	and	and	CCONJ
ajird-1553	8	15	even	even	ADV
ajird-1553	8	16	a	a	DET
ajird-1553	8	17	basic	basic	ADJ
ajird-1553	8	18	understanding	understanding	NOUN
ajird-1553	8	19	of	of	ADP
ajird-1553	8	20	financial	financial	ADJ
ajird-1553	8	21	principles	principle	NOUN
ajird-1553	8	22	.	.	PUNCT
ajird-1553	9	1	keywords	keyword	NOUN
ajird-1553	9	2	:	:	PUNCT
ajird-1553	9	3	financial	financial	ADJ
ajird-1553	9	4	literacy	literacy	NOUN
ajird-1553	9	5	,	,	PUNCT
ajird-1553	9	6	gender	gender	NOUN
ajird-1553	9	7	gap	gap	NOUN
ajird-1553	9	8	,	,	PUNCT
ajird-1553	9	9	financial	financial	ADJ
ajird-1553	9	10	education	education	NOUN
ajird-1553	9	11	,	,	PUNCT
ajird-1553	9	12	determinant	determinant	ADJ
ajird-1553	9	13	,	,	PUNCT
ajird-1553	9	14	financial	financial	ADJ
ajird-1553	9	15	behavior	behavior	NOUN
ajird-1553	9	16	.	.	PUNCT
ajird-1553	10	1	introduction	introduction	NOUN
ajird-1553	10	2	to	to	PART
ajird-1553	10	3	understand	understand	VERB
ajird-1553	10	4	the	the	DET
ajird-1553	10	5	origins	origin	NOUN
ajird-1553	10	6	of	of	ADP
ajird-1553	10	7	financial	financial	ADJ
ajird-1553	10	8	literacy	literacy	NOUN
ajird-1553	10	9	,	,	PUNCT
ajird-1553	10	10	we	we	PRON
ajird-1553	10	11	need	need	VERB
ajird-1553	10	12	to	to	PART
ajird-1553	10	13	delve	delve	VERB
ajird-1553	10	14	into	into	ADP
ajird-1553	10	15	several	several	ADJ
ajird-1553	10	16	aspects	aspect	NOUN
ajird-1553	10	17	of	of	ADP
ajird-1553	10	18	life	life	NOUN
ajird-1553	10	19	,	,	PUNCT
ajird-1553	10	20	including	include	VERB
ajird-1553	10	21	education	education	NOUN
ajird-1553	10	22	,	,	PUNCT
ajird-1553	10	23	society	society	NOUN
ajird-1553	10	24	,	,	PUNCT
ajird-1553	10	25	and	and	CCONJ
ajird-1553	10	26	politics	politic	NOUN
ajird-1553	10	27	.	.	PUNCT
ajird-1553	11	1	by	by	ADP
ajird-1553	11	2	analyzing	analyze	VERB
ajird-1553	11	3	these	these	DET
ajird-1553	11	4	areas	area	NOUN
ajird-1553	11	5	,	,	PUNCT
ajird-1553	11	6	we	we	PRON
ajird-1553	11	7	can	can	AUX
ajird-1553	11	8	gain	gain	VERB
ajird-1553	11	9	a	a	DET
ajird-1553	11	10	comprehensive	comprehensive	ADJ
ajird-1553	11	11	understanding	understanding	NOUN
ajird-1553	11	12	of	of	ADP
ajird-1553	11	13	the	the	DET
ajird-1553	11	14	factors	factor	NOUN
ajird-1553	11	15	that	that	PRON
ajird-1553	11	16	affect	affect	VERB
ajird-1553	11	17	,	,	PUNCT
ajird-1553	11	18	change	change	NOUN
ajird-1553	11	19	,	,	PUNCT
ajird-1553	11	20	or	or	CCONJ
ajird-1553	11	21	hinder	hinder	VERB
ajird-1553	11	22	the	the	DET
ajird-1553	11	23	development	development	NOUN
ajird-1553	11	24	of	of	ADP
ajird-1553	11	25	financial	financial	ADJ
ajird-1553	11	26	literacy	literacy	NOUN
ajird-1553	11	27	.	.	PUNCT
ajird-1553	12	1	this	this	DET
ajird-1553	12	2	paper	paper	NOUN
ajird-1553	12	3	will	will	AUX
ajird-1553	12	4	discuss	discuss	VERB
ajird-1553	12	5	the	the	DET
ajird-1553	12	6	factors	factor	NOUN
ajird-1553	12	7	influencing	influence	VERB
ajird-1553	12	8	the	the	DET
ajird-1553	12	9	level	level	NOUN
ajird-1553	12	10	of	of	ADP
ajird-1553	12	11	financial	financial	ADJ
ajird-1553	12	12	literacy	literacy	NOUN
ajird-1553	12	13	in	in	ADP
ajird-1553	12	14	each	each	DET
ajird-1553	12	15	gender	gender	NOUN
ajird-1553	12	16	and	and	CCONJ
ajird-1553	12	17	the	the	DET
ajird-1553	12	18	division	division	NOUN
ajird-1553	12	19	of	of	ADP
ajird-1553	12	20	financial	financial	ADJ
ajird-1553	12	21	tasks	task	NOUN
ajird-1553	12	22	between	between	ADP
ajird-1553	12	23	males	male	NOUN
ajird-1553	12	24	and	and	CCONJ
ajird-1553	12	25	females	female	NOUN
ajird-1553	12	26	within	within	ADP
ajird-1553	12	27	a	a	DET
ajird-1553	12	28	family	family	NOUN
ajird-1553	12	29	.	.	PUNCT
ajird-1553	13	1	american	american	PROPN
ajird-1553	13	2	journal	journal	PROPN
ajird-1553	13	3	of	of	ADP
ajird-1553	13	4	interdisciplinary	interdisciplinary	ADJ
ajird-1553	13	5	research	research	NOUN
ajird-1553	13	6	and	and	CCONJ
ajird-1553	13	7	development	development	NOUN
ajird-1553	13	8	issn	issn	PROPN
ajird-1553	13	9	online	online	NOUN
ajird-1553	13	10	:	:	PUNCT
ajird-1553	13	11	2771	2771	NUM
ajird-1553	13	12	-	-	SYM
ajird-1553	13	13	8948	8948	NUM
ajird-1553	13	14	website	website	NOUN
ajird-1553	13	15	:	:	PUNCT
ajird-1553	13	16	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1553	13	17	volume	volume	NOUN
ajird-1553	13	18	40	40	NUM
ajird-1553	13	19	,	,	PUNCT
ajird-1553	13	20	may2025	may2025	VERB
ajird-1553	13	21	19	19	NUM
ajird-1553	13	22	|	|	ADV
ajird-1553	13	23	p	p	NOUN
ajird-1553	13	24	a	a	DET
ajird-1553	13	25	g	g	NOUN
ajird-1553	13	26	e	e	NOUN
ajird-1553	13	27	methods	method	VERB
ajird-1553	13	28	the	the	DET
ajird-1553	13	29	goal	goal	NOUN
ajird-1553	13	30	of	of	ADP
ajird-1553	13	31	this	this	DET
ajird-1553	13	32	paper	paper	NOUN
ajird-1553	13	33	is	be	AUX
ajird-1553	13	34	achieved	achieve	VERB
ajird-1553	13	35	through	through	ADP
ajird-1553	13	36	an	an	DET
ajird-1553	13	37	investigation	investigation	NOUN
ajird-1553	13	38	of	of	ADP
ajird-1553	13	39	the	the	DET
ajird-1553	13	40	works	work	NOUN
ajird-1553	13	41	of	of	ADP
ajird-1553	13	42	various	various	ADJ
ajird-1553	13	43	researchers	researcher	NOUN
ajird-1553	13	44	and	and	CCONJ
ajird-1553	13	45	scientists	scientist	NOUN
ajird-1553	13	46	who	who	PRON
ajird-1553	13	47	have	have	AUX
ajird-1553	13	48	previously	previously	ADV
ajird-1553	13	49	studied	study	VERB
ajird-1553	13	50	this	this	DET
ajird-1553	13	51	field	field	NOUN
ajird-1553	13	52	.	.	PUNCT
ajird-1553	14	1	by	by	ADP
ajird-1553	14	2	understanding	understand	VERB
ajird-1553	14	3	prior	prior	ADJ
ajird-1553	14	4	studies	study	NOUN
ajird-1553	14	5	,	,	PUNCT
ajird-1553	14	6	we	we	PRON
ajird-1553	14	7	can	can	AUX
ajird-1553	14	8	identify	identify	VERB
ajird-1553	14	9	existing	exist	VERB
ajird-1553	14	10	shortcomings	shortcoming	NOUN
ajird-1553	14	11	and	and	CCONJ
ajird-1553	14	12	areas	area	NOUN
ajird-1553	14	13	that	that	PRON
ajird-1553	14	14	require	require	VERB
ajird-1553	14	15	further	further	ADJ
ajird-1553	14	16	exploration	exploration	NOUN
ajird-1553	14	17	,	,	PUNCT
ajird-1553	14	18	allowing	allow	VERB
ajird-1553	14	19	us	we	PRON
ajird-1553	14	20	to	to	PART
ajird-1553	14	21	set	set	VERB
ajird-1553	14	22	new	new	ADJ
ajird-1553	14	23	goals	goal	NOUN
ajird-1553	14	24	for	for	ADP
ajird-1553	14	25	future	future	ADJ
ajird-1553	14	26	investigation	investigation	NOUN
ajird-1553	14	27	.	.	PUNCT
ajird-1553	15	1	the	the	DET
ajird-1553	15	2	gender	gender	NOUN
ajird-1553	15	3	gap	gap	NOUN
ajird-1553	15	4	in	in	ADP
ajird-1553	15	5	financial	financial	ADJ
ajird-1553	15	6	literacy	literacy	NOUN
ajird-1553	15	7	is	be	AUX
ajird-1553	15	8	categorized	categorize	VERB
ajird-1553	15	9	and	and	CCONJ
ajird-1553	15	10	investigated	investigate	VERB
ajird-1553	15	11	separately	separately	ADV
ajird-1553	15	12	to	to	PART
ajird-1553	15	13	clarify	clarify	VERB
ajird-1553	15	14	the	the	DET
ajird-1553	15	15	specific	specific	ADJ
ajird-1553	15	16	challenges	challenge	NOUN
ajird-1553	15	17	and	and	CCONJ
ajird-1553	15	18	advantages	advantage	NOUN
ajird-1553	15	19	within	within	ADP
ajird-1553	15	20	each	each	DET
ajird-1553	15	21	group	group	NOUN
ajird-1553	15	22	.	.	PUNCT
ajird-1553	16	1	discussion	discussion	NOUN
ajird-1553	16	2	scientist	scientist	NOUN
ajird-1553	16	3	from	from	ADP
ajird-1553	16	4	russia	russia	PROPN
ajird-1553	16	5	litvinova	litvinova	PROPN
ajird-1553	17	1	[	[	X
ajird-1553	17	2	1	1	NUM
ajird-1553	17	3	]	]	PUNCT
ajird-1553	17	4	has	have	AUX
ajird-1553	17	5	categorized	categorize	VERB
ajird-1553	17	6	the	the	DET
ajird-1553	17	7	main	main	ADJ
ajird-1553	17	8	determinants	determinant	NOUN
ajird-1553	17	9	of	of	ADP
ajird-1553	17	10	financial	financial	ADJ
ajird-1553	17	11	behavior	behavior	NOUN
ajird-1553	17	12	into	into	ADP
ajird-1553	17	13	two	two	NUM
ajird-1553	17	14	groups	group	NOUN
ajird-1553	17	15	:	:	PUNCT
ajird-1553	17	16	internal	internal	ADJ
ajird-1553	17	17	and	and	CCONJ
ajird-1553	17	18	external	external	ADJ
ajird-1553	17	19	factors	factor	NOUN
ajird-1553	17	20	.	.	PUNCT
ajird-1553	18	1	external	external	ADJ
ajird-1553	18	2	factors	factor	NOUN
ajird-1553	18	3	encompass	encompass	VERB
ajird-1553	18	4	culture	culture	NOUN
ajird-1553	18	5	,	,	PUNCT
ajird-1553	18	6	access	access	NOUN
ajird-1553	18	7	to	to	ADP
ajird-1553	18	8	financial	financial	ADJ
ajird-1553	18	9	consulting	consulting	NOUN
ajird-1553	18	10	,	,	PUNCT
ajird-1553	18	11	the	the	DET
ajird-1553	18	12	development	development	NOUN
ajird-1553	18	13	of	of	ADP
ajird-1553	18	14	a	a	DET
ajird-1553	18	15	country	country	NOUN
ajird-1553	18	16	's	's	PART
ajird-1553	18	17	financial	financial	ADJ
ajird-1553	18	18	system	system	NOUN
ajird-1553	18	19	,	,	PUNCT
ajird-1553	18	20	and	and	CCONJ
ajird-1553	18	21	politics	politic	NOUN
ajird-1553	18	22	.	.	PUNCT
ajird-1553	19	1	culture	culture	NOUN
ajird-1553	19	2	influences	influence	VERB
ajird-1553	19	3	people	people	NOUN
ajird-1553	19	4	's	's	PART
ajird-1553	19	5	behavior	behavior	NOUN
ajird-1553	19	6	in	in	ADP
ajird-1553	19	7	all	all	DET
ajird-1553	19	8	aspects	aspect	NOUN
ajird-1553	19	9	,	,	PUNCT
ajird-1553	19	10	including	include	VERB
ajird-1553	19	11	finances	finance	NOUN
ajird-1553	19	12	.	.	PUNCT
ajird-1553	20	1	it	it	PRON
ajird-1553	20	2	shapes	shape	VERB
ajird-1553	20	3	the	the	DET
ajird-1553	20	4	way	way	NOUN
ajird-1553	20	5	people	people	NOUN
ajird-1553	20	6	see	see	VERB
ajird-1553	20	7	the	the	DET
ajird-1553	20	8	world	world	NOUN
ajird-1553	20	9	.	.	PUNCT
ajird-1553	21	1	culture	culture	NOUN
ajird-1553	21	2	influences	influence	VERB
ajird-1553	21	3	the	the	DET
ajird-1553	21	4	financial	financial	ADJ
ajird-1553	21	5	tools	tool	NOUN
ajird-1553	21	6	and	and	CCONJ
ajird-1553	21	7	assets	asset	NOUN
ajird-1553	21	8	used	use	VERB
ajird-1553	21	9	by	by	ADP
ajird-1553	21	10	the	the	DET
ajird-1553	21	11	population	population	NOUN
ajird-1553	21	12	.	.	PUNCT
ajird-1553	22	1	a	a	DET
ajird-1553	22	2	link	link	NOUN
ajird-1553	22	3	exists	exist	VERB
ajird-1553	22	4	between	between	ADP
ajird-1553	22	5	people	people	NOUN
ajird-1553	22	6	's	's	PART
ajird-1553	22	7	preferences	preference	NOUN
ajird-1553	22	8	and	and	CCONJ
ajird-1553	22	9	their	their	PRON
ajird-1553	22	10	subsequent	subsequent	ADJ
ajird-1553	22	11	financial	financial	ADJ
ajird-1553	22	12	planning	planning	NOUN
ajird-1553	22	13	.	.	PUNCT
ajird-1553	23	1	additionally	additionally	ADV
ajird-1553	23	2	,	,	PUNCT
ajird-1553	23	3	the	the	DET
ajird-1553	23	4	author	author	NOUN
ajird-1553	23	5	believes	believe	VERB
ajird-1553	23	6	that	that	SCONJ
ajird-1553	23	7	national	national	ADJ
ajird-1553	23	8	culture	culture	NOUN
ajird-1553	23	9	affects	affect	VERB
ajird-1553	23	10	the	the	DET
ajird-1553	23	11	configuration	configuration	NOUN
ajird-1553	23	12	of	of	ADP
ajird-1553	23	13	national	national	ADJ
ajird-1553	23	14	financial	financial	ADJ
ajird-1553	23	15	systems	system	NOUN
ajird-1553	23	16	,	,	PUNCT
ajird-1553	23	17	including	include	VERB
ajird-1553	23	18	financial	financial	ADJ
ajird-1553	23	19	consulting	consulting	NOUN
ajird-1553	23	20	and	and	CCONJ
ajird-1553	23	21	insurance	insurance	NOUN
ajird-1553	23	22	systems	system	NOUN
ajird-1553	23	23	.	.	PUNCT
ajird-1553	24	1	our	our	PRON
ajird-1553	24	2	cultural	cultural	ADJ
ajird-1553	24	3	norms	norm	NOUN
ajird-1553	24	4	and	and	CCONJ
ajird-1553	24	5	values	value	NOUN
ajird-1553	24	6	affect	affect	VERB
ajird-1553	24	7	our	our	PRON
ajird-1553	24	8	activities	activity	NOUN
ajird-1553	24	9	with	with	ADP
ajird-1553	24	10	investment	investment	NOUN
ajird-1553	24	11	or	or	CCONJ
ajird-1553	24	12	savings	saving	NOUN
ajird-1553	24	13	and	and	CCONJ
ajird-1553	24	14	the	the	DET
ajird-1553	24	15	way	way	NOUN
ajird-1553	24	16	we	we	PRON
ajird-1553	24	17	manage	manage	VERB
ajird-1553	24	18	our	our	PRON
ajird-1553	24	19	money	money	NOUN
ajird-1553	24	20	.	.	PUNCT
ajird-1553	25	1	culture	culture	NOUN
ajird-1553	25	2	that	that	PRON
ajird-1553	25	3	is	be	AUX
ajird-1553	25	4	the	the	DET
ajird-1553	25	5	way	way	NOUN
ajird-1553	25	6	we	we	PRON
ajird-1553	25	7	think	think	VERB
ajird-1553	25	8	surely	surely	ADV
ajird-1553	25	9	determines	determine	VERB
ajird-1553	25	10	priorities	priority	NOUN
ajird-1553	25	11	we	we	PRON
ajird-1553	25	12	set	set	VERB
ajird-1553	25	13	for	for	ADP
ajird-1553	25	14	ourselves	ourselves	PRON
ajird-1553	25	15	.	.	PUNCT
ajird-1553	26	1	in	in	ADP
ajird-1553	26	2	some	some	DET
ajird-1553	26	3	cultures	culture	NOUN
ajird-1553	26	4	,	,	PUNCT
ajird-1553	26	5	it	it	PRON
ajird-1553	26	6	is	be	AUX
ajird-1553	26	7	more	more	ADV
ajird-1553	26	8	important	important	ADJ
ajird-1553	26	9	to	to	PART
ajird-1553	26	10	help	help	VERB
ajird-1553	26	11	your	your	PRON
ajird-1553	26	12	family	family	NOUN
ajird-1553	26	13	or	or	CCONJ
ajird-1553	26	14	relatives	relative	NOUN
ajird-1553	26	15	rather	rather	ADV
ajird-1553	26	16	than	than	ADP
ajird-1553	26	17	to	to	PART
ajird-1553	26	18	be	be	AUX
ajird-1553	26	19	financially	financially	ADV
ajird-1553	26	20	stable	stable	ADJ
ajird-1553	26	21	,	,	PUNCT
ajird-1553	26	22	whereas	whereas	SCONJ
ajird-1553	26	23	some	some	DET
ajird-1553	26	24	cultures	culture	NOUN
ajird-1553	26	25	tend	tend	VERB
ajird-1553	26	26	to	to	PART
ajird-1553	26	27	encourage	encourage	VERB
ajird-1553	26	28	independence	independence	NOUN
ajird-1553	26	29	from	from	ADP
ajird-1553	26	30	an	an	DET
ajird-1553	26	31	early	early	ADJ
ajird-1553	26	32	age	age	NOUN
ajird-1553	26	33	and	and	CCONJ
ajird-1553	26	34	taking	take	VERB
ajird-1553	26	35	measures	measure	NOUN
ajird-1553	26	36	by	by	ADP
ajird-1553	26	37	every	every	DET
ajird-1553	26	38	individual	individual	NOUN
ajird-1553	26	39	to	to	PART
ajird-1553	26	40	have	have	VERB
ajird-1553	26	41	financial	financial	ADJ
ajird-1553	26	42	cushion	cushion	NOUN
ajird-1553	26	43	for	for	ADP
ajird-1553	26	44	themselves	themselves	PRON
ajird-1553	26	45	and	and	CCONJ
ajird-1553	26	46	deal	deal	VERB
ajird-1553	26	47	with	with	ADP
ajird-1553	26	48	hardships	hardship	NOUN
ajird-1553	26	49	all	all	ADV
ajird-1553	26	50	alone	alone	ADV
ajird-1553	26	51	.	.	PUNCT
ajird-1553	27	1	access	access	NOUN
ajird-1553	27	2	to	to	ADP
ajird-1553	27	3	consulting	consult	VERB
ajird-1553	27	4	in	in	ADP
ajird-1553	27	5	terms	term	NOUN
ajird-1553	27	6	of	of	ADP
ajird-1553	27	7	money	money	NOUN
ajird-1553	27	8	management	management	NOUN
ajird-1553	27	9	was	be	AUX
ajird-1553	27	10	proven	prove	VERB
ajird-1553	27	11	to	to	PART
ajird-1553	27	12	be	be	AUX
ajird-1553	27	13	advantageous	advantageous	ADJ
ajird-1553	27	14	in	in	ADP
ajird-1553	27	15	upgrading	upgrade	VERB
ajird-1553	27	16	financial	financial	ADJ
ajird-1553	27	17	behavior	behavior	NOUN
ajird-1553	27	18	.	.	PUNCT
ajird-1553	28	1	the	the	DET
ajird-1553	28	2	availability	availability	NOUN
ajird-1553	28	3	of	of	ADP
ajird-1553	28	4	financial	financial	ADJ
ajird-1553	28	5	consulting	consulting	NOUN
ajird-1553	28	6	is	be	AUX
ajird-1553	28	7	characteristic	characteristic	ADJ
ajird-1553	28	8	of	of	ADP
ajird-1553	28	9	a	a	DET
ajird-1553	28	10	developed	develop	VERB
ajird-1553	28	11	national	national	ADJ
ajird-1553	28	12	financial	financial	ADJ
ajird-1553	28	13	industry	industry	NOUN
ajird-1553	28	14	.	.	PUNCT
ajird-1553	29	1	the	the	DET
ajird-1553	29	2	economic	economic	ADJ
ajird-1553	29	3	environment	environment	NOUN
ajird-1553	29	4	and	and	CCONJ
ajird-1553	29	5	the	the	DET
ajird-1553	29	6	development	development	NOUN
ajird-1553	29	7	of	of	ADP
ajird-1553	29	8	the	the	DET
ajird-1553	29	9	financial	financial	ADJ
ajird-1553	29	10	system	system	NOUN
ajird-1553	29	11	are	be	AUX
ajird-1553	29	12	other	other	ADJ
ajird-1553	29	13	crucial	crucial	ADJ
ajird-1553	29	14	aspects	aspect	NOUN
ajird-1553	29	15	influencing	influence	VERB
ajird-1553	29	16	financial	financial	ADJ
ajird-1553	29	17	decision	decision	NOUN
ajird-1553	29	18	-	-	PUNCT
ajird-1553	29	19	making	making	NOUN
ajird-1553	29	20	.	.	PUNCT
ajird-1553	30	1	financial	financial	ADJ
ajird-1553	30	2	decisions	decision	NOUN
ajird-1553	30	3	can	can	AUX
ajird-1553	30	4	vary	vary	VERB
ajird-1553	30	5	significantly	significantly	ADV
ajird-1553	30	6	depending	depend	VERB
ajird-1553	30	7	on	on	ADP
ajird-1553	30	8	the	the	DET
ajird-1553	30	9	economic	economic	ADJ
ajird-1553	30	10	cycle	cycle	NOUN
ajird-1553	30	11	a	a	DET
ajird-1553	30	12	country	country	NOUN
ajird-1553	30	13	is	be	AUX
ajird-1553	30	14	experiencing	experience	VERB
ajird-1553	30	15	.	.	PUNCT
ajird-1553	31	1	financial	financial	ADJ
ajird-1553	31	2	behavior	behavior	NOUN
ajird-1553	31	3	can	can	AUX
ajird-1553	31	4	be	be	AUX
ajird-1553	31	5	markedly	markedly	ADV
ajird-1553	31	6	different	different	ADJ
ajird-1553	31	7	during	during	ADP
ajird-1553	31	8	periods	period	NOUN
ajird-1553	31	9	of	of	ADP
ajird-1553	31	10	economic	economic	ADJ
ajird-1553	31	11	growth	growth	NOUN
ajird-1553	31	12	compared	compare	VERB
ajird-1553	31	13	to	to	ADP
ajird-1553	31	14	economic	economic	ADJ
ajird-1553	31	15	downturn	downturn	NOUN
ajird-1553	31	16	ns	ns	ADJ
ajird-1553	31	17	.	.	PUNCT
ajird-1553	32	1	the	the	DET
ajird-1553	32	2	next	next	ADJ
ajird-1553	32	3	external	external	ADJ
ajird-1553	32	4	determinant	determinant	NOUN
ajird-1553	32	5	of	of	ADP
ajird-1553	32	6	financial	financial	ADJ
ajird-1553	32	7	behavior	behavior	NOUN
ajird-1553	32	8	is	be	AUX
ajird-1553	32	9	a	a	DET
ajird-1553	32	10	country	country	NOUN
ajird-1553	32	11	's	's	PART
ajird-1553	32	12	political	political	ADJ
ajird-1553	32	13	environment	environment	NOUN
ajird-1553	32	14	.	.	PUNCT
ajird-1553	33	1	people	people	NOUN
ajird-1553	33	2	's	's	PART
ajird-1553	33	3	financial	financial	ADJ
ajird-1553	33	4	decisions	decision	NOUN
ajird-1553	33	5	can	can	AUX
ajird-1553	33	6	change	change	VERB
ajird-1553	33	7	depending	depend	VERB
ajird-1553	33	8	on	on	ADP
ajird-1553	33	9	this	this	DET
ajird-1553	33	10	factor	factor	NOUN
ajird-1553	33	11	.	.	PUNCT
ajird-1553	34	1	for	for	ADP
ajird-1553	34	2	instance	instance	NOUN
ajird-1553	34	3	,	,	PUNCT
ajird-1553	34	4	stable	stable	ADJ
ajird-1553	34	5	political	political	ADJ
ajird-1553	34	6	conditions	condition	NOUN
ajird-1553	34	7	might	might	AUX
ajird-1553	34	8	encourage	encourage	VERB
ajird-1553	34	9	individuals	individual	NOUN
ajird-1553	34	10	to	to	PART
ajird-1553	34	11	start	start	VERB
ajird-1553	34	12	businesses	business	NOUN
ajird-1553	34	13	or	or	CCONJ
ajird-1553	34	14	invest	invest	VERB
ajird-1553	34	15	in	in	ADP
ajird-1553	34	16	certain	certain	ADJ
ajird-1553	34	17	sectors	sector	NOUN
ajird-1553	34	18	.	.	PUNCT
ajird-1553	35	1	conversely	conversely	ADV
ajird-1553	35	2	,	,	PUNCT
ajird-1553	35	3	unstable	unstable	ADJ
ajird-1553	35	4	political	political	ADJ
ajird-1553	35	5	conditions	condition	NOUN
ajird-1553	35	6	can	can	AUX
ajird-1553	35	7	lead	lead	VERB
ajird-1553	35	8	to	to	ADP
ajird-1553	35	9	a	a	DET
ajird-1553	35	10	lack	lack	NOUN
ajird-1553	35	11	of	of	ADP
ajird-1553	35	12	trust	trust	NOUN
ajird-1553	35	13	in	in	ADP
ajird-1553	35	14	the	the	DET
ajird-1553	35	15	government	government	NOUN
ajird-1553	35	16	,	,	PUNCT
ajird-1553	35	17	potentially	potentially	ADV
ajird-1553	35	18	preventing	prevent	VERB
ajird-1553	35	19	people	people	NOUN
ajird-1553	35	20	from	from	ADP
ajird-1553	35	21	using	use	VERB
ajird-1553	35	22	services	service	NOUN
ajird-1553	35	23	like	like	ADP
ajird-1553	35	24	bank	bank	NOUN
ajird-1553	35	25	deposits	deposit	NOUN
ajird-1553	35	26	or	or	CCONJ
ajird-1553	35	27	funding	funding	NOUN
ajird-1553	35	28	startups	startup	NOUN
ajird-1553	35	29	.	.	PUNCT
ajird-1553	36	1	american	american	ADJ
ajird-1553	36	2	journal	journal	PROPN
ajird-1553	36	3	of	of	ADP
ajird-1553	36	4	interdisciplinary	interdisciplinary	ADJ
ajird-1553	36	5	research	research	NOUN
ajird-1553	36	6	and	and	CCONJ
ajird-1553	36	7	development	development	NOUN
ajird-1553	36	8	issn	issn	PROPN
ajird-1553	36	9	online	online	NOUN
ajird-1553	36	10	:	:	PUNCT
ajird-1553	36	11	2771	2771	NUM
ajird-1553	36	12	-	-	SYM
ajird-1553	36	13	8948	8948	NUM
ajird-1553	36	14	website	website	NOUN
ajird-1553	36	15	:	:	PUNCT
ajird-1553	36	16	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1553	36	17	volume	volume	NOUN
ajird-1553	36	18	40	40	NUM
ajird-1553	36	19	,	,	PUNCT
ajird-1553	36	20	may2025	may2025	VERB
ajird-1553	36	21	20	20	NUM
ajird-1553	37	1	|	|	ADV
ajird-1553	37	2	p	p	X
ajird-1553	37	3	a	a	DET
ajird-1553	37	4	g	g	NOUN
ajird-1553	37	5	e	e	ADP
ajird-1553	37	6	internal	internal	ADJ
ajird-1553	37	7	factors	factor	NOUN
ajird-1553	37	8	include	include	VERB
ajird-1553	37	9	intellectual	intellectual	ADJ
ajird-1553	37	10	,	,	PUNCT
ajird-1553	37	11	personal	personal	ADJ
ajird-1553	37	12	-	-	PUNCT
ajird-1553	37	13	psychological	psychological	ADJ
ajird-1553	37	14	,	,	PUNCT
ajird-1553	37	15	and	and	CCONJ
ajird-1553	37	16	socio	socio	NOUN
ajird-1553	37	17	-	-	PUNCT
ajird-1553	37	18	demographical	demographical	ADJ
ajird-1553	37	19	groups	group	NOUN
ajird-1553	37	20	.	.	PUNCT
ajird-1553	38	1	intellectual	intellectual	ADJ
ajird-1553	38	2	determinants	determinant	NOUN
ajird-1553	38	3	include	include	VERB
ajird-1553	38	4	factors	factor	NOUN
ajird-1553	38	5	such	such	ADJ
ajird-1553	38	6	as	as	ADP
ajird-1553	38	7	financial	financial	ADJ
ajird-1553	38	8	literacy	literacy	NOUN
ajird-1553	38	9	and	and	CCONJ
ajird-1553	38	10	interest	interest	NOUN
ajird-1553	38	11	in	in	ADP
ajird-1553	38	12	finance	finance	NOUN
ajird-1553	38	13	.	.	PUNCT
ajird-1553	39	1	financial	financial	ADJ
ajird-1553	39	2	lite	lite	PROPN
ajird-1553	39	3	racy	racy	PROPN
ajird-1553	39	4	undoubtedly	undoubtedly	ADV
ajird-1553	39	5	plays	play	VERB
ajird-1553	39	6	a	a	DET
ajird-1553	39	7	crucial	crucial	ADJ
ajird-1553	39	8	role	role	NOUN
ajird-1553	39	9	in	in	ADP
ajird-1553	39	10	financial	financial	ADJ
ajird-1553	39	11	decision	decision	NOUN
ajird-1553	39	12	-	-	PUNCT
ajird-1553	39	13	making	making	NOUN
ajird-1553	39	14	.	.	PUNCT
ajird-1553	40	1	in	in	ADP
ajird-1553	40	2	her	her	PRON
ajird-1553	40	3	2009	2009	NUM
ajird-1553	40	4	studies	study	NOUN
ajird-1553	40	5	[	[	X
ajird-1553	40	6	2	2	NUM
ajird-1553	40	7	]	]	PUNCT
ajird-1553	40	8	,	,	PUNCT
ajird-1553	40	9	researcher	researcher	NOUN
ajird-1553	40	10	annamaria	annamaria	PROPN
ajird-1553	40	11	lusardi	lusardi	PROPN
ajird-1553	40	12	found	find	VERB
ajird-1553	40	13	this	this	DET
ajird-1553	40	14	factor	factor	NOUN
ajird-1553	40	15	to	to	PART
ajird-1553	40	16	be	be	AUX
ajird-1553	40	17	significantly	significantly	ADV
ajird-1553	40	18	correlated	correlate	VERB
ajird-1553	40	19	with	with	ADP
ajird-1553	40	20	retirement	retirement	NOUN
ajird-1553	40	21	savings	saving	NOUN
ajird-1553	40	22	and	and	CCONJ
ajird-1553	40	23	investment	investment	NOUN
ajird-1553	40	24	activity	activity	NOUN
ajird-1553	40	25	.	.	PUNCT
ajird-1553	41	1	in	in	ADP
ajird-1553	41	2	her	her	PRON
ajird-1553	41	3	2017	2017	NUM
ajird-1553	41	4	studies	study	NOUN
ajird-1553	41	5	[	[	X
ajird-1553	41	6	3	3	NUM
ajird-1553	41	7	]	]	PUNCT
ajird-1553	41	8	,	,	PUNCT
ajird-1553	41	9	researcher	researcher	PROPN
ajird-1553	41	10	olga	olga	PROPN
ajird-1553	41	11	sushko	sushko	PROPN
ajird-1553	41	12	highlighted	highlight	VERB
ajird-1553	41	13	that	that	SCONJ
ajird-1553	41	14	financial	financial	ADJ
ajird-1553	41	15	behavior	behavior	NOUN
ajird-1553	41	16	depends	depend	VERB
ajird-1553	41	17	more	more	ADV
ajird-1553	41	18	on	on	ADP
ajird-1553	41	19	individuals	individual	NOUN
ajird-1553	41	20	'	'	PART
ajird-1553	41	21	financial	financial	ADJ
ajird-1553	41	22	literacy	literacy	NOUN
ajird-1553	41	23	than	than	ADP
ajird-1553	41	24	on	on	ADP
ajird-1553	41	25	their	their	PRON
ajird-1553	41	26	income	income	NOUN
ajird-1553	41	27	.	.	PUNCT
ajird-1553	42	1	enhancing	enhance	VERB
ajird-1553	42	2	the	the	DET
ajird-1553	42	3	financial	financial	ADJ
ajird-1553	42	4	knowledge	knowledge	NOUN
ajird-1553	42	5	of	of	ADP
ajird-1553	42	6	the	the	DET
ajird-1553	42	7	population	population	NOUN
ajird-1553	42	8	at	at	ADP
ajird-1553	42	9	a	a	DET
ajird-1553	42	10	governmental	governmental	ADJ
ajird-1553	42	11	level	level	NOUN
ajird-1553	42	12	is	be	AUX
ajird-1553	42	13	crucial	crucial	ADJ
ajird-1553	42	14	.	.	PUNCT
ajird-1553	43	1	this	this	PRON
ajird-1553	43	2	can	can	AUX
ajird-1553	43	3	primarily	primarily	ADV
ajird-1553	43	4	be	be	AUX
ajird-1553	43	5	achieved	achieve	VERB
ajird-1553	43	6	by	by	ADP
ajird-1553	43	7	educating	educate	VERB
ajird-1553	43	8	the	the	DET
ajird-1553	43	9	youth	youth	NOUN
ajird-1553	43	10	and	and	CCONJ
ajird-1553	43	11	implementing	implement	VERB
ajird-1553	43	12	educational	educational	ADJ
ajird-1553	43	13	programs	program	NOUN
ajird-1553	43	14	through	through	ADP
ajird-1553	43	15	various	various	ADJ
ajird-1553	43	16	channels	channel	NOUN
ajird-1553	43	17	.	.	PUNCT
ajird-1553	44	1	by	by	ADP
ajird-1553	44	2	doing	do	VERB
ajird-1553	44	3	so	so	ADV
ajird-1553	44	4	,	,	PUNCT
ajird-1553	44	5	we	we	PRON
ajird-1553	44	6	can	can	AUX
ajird-1553	44	7	reduce	reduce	VERB
ajird-1553	44	8	information	information	NOUN
ajird-1553	44	9	asymmetry	asymmetry	NOUN
ajird-1553	44	10	and	and	CCONJ
ajird-1553	44	11	potentially	potentially	ADV
ajird-1553	44	12	decrease	decrease	VERB
ajird-1553	44	13	investment	investment	NOUN
ajird-1553	44	14	in	in	ADP
ajird-1553	44	15	high	high	ADJ
ajird-1553	44	16	-	-	PUNCT
ajird-1553	44	17	risk	risk	NOUN
ajird-1553	44	18	financial	financial	ADJ
ajird-1553	44	19	instruments	instrument	NOUN
ajird-1553	44	20	due	due	ADP
ajird-1553	44	21	to	to	ADP
ajird-1553	44	22	a	a	DET
ajird-1553	44	23	lack	lack	NOUN
ajird-1553	44	24	of	of	ADP
ajird-1553	44	25	understanding	understanding	NOUN
ajird-1553	44	26	.	.	PUNCT
ajird-1553	45	1	another	another	DET
ajird-1553	45	2	factor	factor	NOUN
ajird-1553	45	3	in	in	ADP
ajird-1553	45	4	this	this	DET
ajird-1553	45	5	group	group	NOUN
ajird-1553	45	6	is	be	AUX
ajird-1553	45	7	past	past	ADJ
ajird-1553	45	8	experience	experience	NOUN
ajird-1553	45	9	.	.	PUNCT
ajird-1553	46	1	the	the	DET
ajird-1553	46	2	situations	situation	NOUN
ajird-1553	46	3	and	and	CCONJ
ajird-1553	46	4	experiences	experience	NOUN
ajird-1553	46	5	we	we	PRON
ajird-1553	46	6	go	go	VERB
ajird-1553	46	7	through	through	ADP
ajird-1553	46	8	undoubtedly	undoubtedly	ADV
ajird-1553	46	9	shape	shape	VERB
ajird-1553	46	10	our	our	PRON
ajird-1553	46	11	future	future	ADJ
ajird-1553	46	12	actions	action	NOUN
ajird-1553	46	13	.	.	PUNCT
ajird-1553	47	1	for	for	ADP
ajird-1553	47	2	instance	instance	NOUN
ajird-1553	47	3	,	,	PUNCT
ajird-1553	47	4	an	an	DET
ajird-1553	47	5	unsuccessful	unsuccessful	ADJ
ajird-1553	47	6	investment	investment	NOUN
ajird-1553	47	7	can	can	AUX
ajird-1553	47	8	make	make	VERB
ajird-1553	47	9	an	an	DET
ajird-1553	47	10	individual	individual	NOUN
ajird-1553	47	11	more	more	ADV
ajird-1553	47	12	cautious	cautious	ADJ
ajird-1553	47	13	and	and	CCONJ
ajird-1553	47	14	less	less	ADV
ajird-1553	47	15	likely	likely	ADJ
ajird-1553	47	16	to	to	PART
ajird-1553	47	17	make	make	VERB
ajird-1553	47	18	future	future	ADJ
ajird-1553	47	19	investments	investment	NOUN
ajird-1553	47	20	.	.	PUNCT
ajird-1553	48	1	another	another	DET
ajird-1553	48	2	example	example	NOUN
ajird-1553	48	3	is	be	AUX
ajird-1553	48	4	when	when	SCONJ
ajird-1553	48	5	people	people	NOUN
ajird-1553	48	6	deposit	deposit	VERB
ajird-1553	48	7	money	money	NOUN
ajird-1553	48	8	in	in	ADP
ajird-1553	48	9	a	a	DET
ajird-1553	48	10	bank	bank	NOUN
ajird-1553	48	11	that	that	PRON
ajird-1553	48	12	goes	go	VERB
ajird-1553	48	13	bankrupt	bankrupt	ADJ
ajird-1553	48	14	,	,	PUNCT
ajird-1553	48	15	causing	cause	VERB
ajird-1553	48	16	them	they	PRON
ajird-1553	48	17	to	to	PART
ajird-1553	48	18	lose	lose	VERB
ajird-1553	48	19	their	their	PRON
ajird-1553	48	20	funds	fund	NOUN
ajird-1553	48	21	.	.	PUNCT
ajird-1553	49	1	this	this	DET
ajird-1553	49	2	experience	experience	NOUN
ajird-1553	49	3	will	will	AUX
ajird-1553	49	4	likely	likely	ADV
ajird-1553	49	5	deter	deter	VERB
ajird-1553	49	6	those	those	DET
ajird-1553	49	7	individuals	individual	NOUN
ajird-1553	49	8	from	from	ADP
ajird-1553	49	9	using	use	VERB
ajird-1553	49	10	this	this	DET
ajird-1553	49	11	service	service	NOUN
ajird-1553	49	12	or	or	CCONJ
ajird-1553	49	13	trusting	trust	VERB
ajird-1553	49	14	the	the	DET
ajird-1553	49	15	banking	banking	NOUN
ajird-1553	49	16	system	system	NOUN
ajird-1553	49	17	in	in	ADP
ajird-1553	49	18	the	the	DET
ajird-1553	49	19	future	future	NOUN
ajird-1553	49	20	.	.	PUNCT
ajird-1553	50	1	it	it	PRON
ajird-1553	50	2	's	be	AUX
ajird-1553	50	3	also	also	ADV
ajird-1553	50	4	necessary	necessary	ADJ
ajird-1553	50	5	to	to	PART
ajird-1553	50	6	consider	consider	VERB
ajird-1553	50	7	cognitive	cognitive	ADJ
ajird-1553	50	8	skills	skill	NOUN
ajird-1553	50	9	,	,	PUNCT
ajird-1553	50	10	as	as	SCONJ
ajird-1553	50	11	the	the	DET
ajird-1553	50	12	ability	ability	NOUN
ajird-1553	50	13	to	to	PART
ajird-1553	50	14	understand	understand	VERB
ajird-1553	50	15	,	,	PUNCT
ajird-1553	50	16	analyze	analyze	VERB
ajird-1553	50	17	,	,	PUNCT
ajird-1553	50	18	and	and	CCONJ
ajird-1553	50	19	perceive	perceive	ADJ
ajird-1553	50	20	information	information	NOUN
ajird-1553	50	21	directly	directly	ADV
ajird-1553	50	22	affects	affect	VERB
ajird-1553	50	23	the	the	DET
ajird-1553	50	24	economic	economic	ADJ
ajird-1553	50	25	choices	choice	NOUN
ajird-1553	50	26	we	we	PRON
ajird-1553	50	27	make	make	VERB
ajird-1553	50	28	.	.	PUNCT
ajird-1553	51	1	a	a	DET
ajird-1553	51	2	lack	lack	NOUN
ajird-1553	51	3	of	of	ADP
ajird-1553	51	4	concentration	concentration	NOUN
ajird-1553	51	5	or	or	CCONJ
ajird-1553	51	6	the	the	DET
ajird-1553	51	7	inability	inability	NOUN
ajird-1553	51	8	to	to	PART
ajird-1553	51	9	process	process	VERB
ajird-1553	51	10	and	and	CCONJ
ajird-1553	51	11	generate	generate	VERB
ajird-1553	51	12	information	information	NOUN
ajird-1553	51	13	effectively	effectively	ADV
ajird-1553	51	14	often	often	ADV
ajird-1553	51	15	leads	lead	VERB
ajird-1553	51	16	to	to	ADP
ajird-1553	51	17	inadequate	inadequate	ADJ
ajird-1553	51	18	financial	financial	ADJ
ajird-1553	51	19	decisions	decision	NOUN
ajird-1553	51	20	.	.	PUNCT
ajird-1553	52	1	personalpsychological	personalpsychological	ADJ
ajird-1553	52	2	factor	factor	NOUN
ajird-1553	52	3	,	,	PUNCT
ajird-1553	52	4	according	accord	VERB
ajird-1553	52	5	to	to	ADP
ajird-1553	52	6	some	some	DET
ajird-1553	52	7	scientists	scientist	NOUN
ajird-1553	52	8	has	have	VERB
ajird-1553	52	9	more	more	ADJ
ajird-1553	52	10	impact	impact	NOUN
ajird-1553	52	11	on	on	ADP
ajird-1553	52	12	financial	financial	ADJ
ajird-1553	52	13	decision	decision	NOUN
ajird-1553	52	14	-	-	PUNCT
ajird-1553	52	15	making	making	NOUN
ajird-1553	52	16	than	than	SCONJ
ajird-1553	52	17	economic	economic	ADJ
ajird-1553	52	18	factors	factor	NOUN
ajird-1553	52	19	do	do	VERB
ajird-1553	52	20	.	.	PUNCT
ajird-1553	53	1	especially	especially	ADV
ajird-1553	53	2	this	this	DET
ajird-1553	53	3	trait	trait	NOUN
ajird-1553	53	4	can	can	AUX
ajird-1553	53	5	be	be	AUX
ajird-1553	53	6	noticed	notice	VERB
ajird-1553	53	7	in	in	ADP
ajird-1553	53	8	dealing	deal	VERB
ajird-1553	53	9	with	with	ADP
ajird-1553	53	10	risks	risk	NOUN
ajird-1553	53	11	.	.	PUNCT
ajird-1553	54	1	mainly	mainly	ADV
ajird-1553	54	2	we	we	PRON
ajird-1553	54	3	can	can	AUX
ajird-1553	54	4	outline	outline	VERB
ajird-1553	54	5	the	the	DET
ajird-1553	54	6	following	follow	VERB
ajird-1553	54	7	aspects	aspect	NOUN
ajird-1553	54	8	:	:	PUNCT
ajird-1553	54	9	needs	need	NOUN
ajird-1553	54	10	and	and	CCONJ
ajird-1553	54	11	desires	desire	NOUN
ajird-1553	54	12	,	,	PUNCT
ajird-1553	54	13	risk	risk	NOUN
ajird-1553	54	14	and	and	CCONJ
ajird-1553	54	15	uncertainty	uncertainty	NOUN
ajird-1553	54	16	,	,	PUNCT
ajird-1553	54	17	time	time	NOUN
ajird-1553	54	18	,	,	PUNCT
ajird-1553	54	19	learning	learn	VERB
ajird-1553	54	20	effort	effort	NOUN
ajird-1553	54	21	,	,	PUNCT
ajird-1553	54	22	profits	profit	NOUN
ajird-1553	54	23	and	and	CCONJ
ajird-1553	54	24	losses	loss	NOUN
ajird-1553	54	25	,	,	PUNCT
ajird-1553	54	26	costs	cost	NOUN
ajird-1553	54	27	and	and	CCONJ
ajird-1553	54	28	efforts	effort	NOUN
ajird-1553	54	29	,	,	PUNCT
ajird-1553	54	30	risk	risk	NOUN
ajird-1553	54	31	and	and	CCONJ
ajird-1553	54	32	deviation	deviation	NOUN
ajird-1553	54	33	,	,	PUNCT
ajird-1553	54	34	exploration	exploration	NOUN
ajird-1553	54	35	.	.	PUNCT
ajird-1553	55	1	kübilay	kübilay	NOUN
ajird-1553	55	2	and	and	CCONJ
ajird-1553	55	3	bayrakdaroğlu	bayrakdaroğlu	NOUN
ajird-1553	55	4	(	(	PUNCT
ajird-1553	55	5	2016	2016	NUM
ajird-1553	55	6	)	)	PUNCT
ajird-1553	56	1	[	[	X
ajird-1553	56	2	4	4	X
ajird-1553	56	3	]	]	PUNCT
ajird-1553	56	4	developed	develop	VERB
ajird-1553	56	5	a	a	DET
ajird-1553	56	6	financial	financial	ADJ
ajird-1553	56	7	decision	decision	NOUN
ajird-1553	56	8	-	-	PUNCT
ajird-1553	56	9	making	make	VERB
ajird-1553	56	10	model	model	NOUN
ajird-1553	56	11	published	publish	VERB
ajird-1553	56	12	in	in	ADP
ajird-1553	56	13	the	the	DET
ajird-1553	56	14	international	international	ADJ
ajird-1553	56	15	journal	journal	NOUN
ajird-1553	56	16	of	of	ADP
ajird-1553	56	17	financial	financial	ADJ
ajird-1553	56	18	research	research	NOUN
ajird-1553	56	19	.	.	PUNCT
ajird-1553	57	1	they	they	PRON
ajird-1553	57	2	analysed	analyse	VERB
ajird-1553	57	3	the	the	DET
ajird-1553	57	4	relationship	relationship	NOUN
ajird-1553	57	5	between	between	ADP
ajird-1553	57	6	financial	financial	ADJ
ajird-1553	57	7	risk	risk	NOUN
ajird-1553	57	8	-	-	PUNCT
ajird-1553	57	9	taking	take	VERB
ajird-1553	57	10	and	and	CCONJ
ajird-1553	57	11	personality	personality	NOUN
ajird-1553	57	12	traits	trait	NOUN
ajird-1553	57	13	.	.	PUNCT
ajird-1553	58	1	they	they	PRON
ajird-1553	58	2	categorized	categorize	VERB
ajird-1553	58	3	factors	factor	NOUN
ajird-1553	58	4	into	into	ADP
ajird-1553	58	5	groups	group	NOUN
ajird-1553	58	6	:	:	PUNCT
ajird-1553	58	7	1	1	X
ajird-1553	58	8	)	)	PUNCT
ajird-1553	58	9	5	5	NUM
ajird-1553	58	10	factors	factor	NOUN
ajird-1553	58	11	:	:	PUNCT
ajird-1553	58	12	extraversion	extraversion	NOUN
ajird-1553	58	13	,	,	PUNCT
ajird-1553	58	14	agreeableness	agreeableness	NOUN
ajird-1553	58	15	,	,	PUNCT
ajird-1553	58	16	conscientiousness	conscientiousness	NOUN
ajird-1553	58	17	,	,	PUNCT
ajird-1553	58	18	emotional	emotional	ADJ
ajird-1553	58	19	instability	instability	NOUN
ajird-1553	58	20	,	,	PUNCT
ajird-1553	58	21	openness	openness	NOUN
ajird-1553	58	22	to	to	PART
ajird-1553	58	23	experience	experience	VERB
ajird-1553	58	24	.	.	PUNCT
ajird-1553	59	1	2	2	X
ajird-1553	59	2	)	)	PUNCT
ajird-1553	59	3	psychological	psychological	ADJ
ajird-1553	59	4	biases	bias	NOUN
ajird-1553	59	5	:	:	PUNCT
ajird-1553	59	6	representativeness	representativeness	ADJ
ajird-1553	59	7	,	,	PUNCT
ajird-1553	59	8	availability	availability	NOUN
ajird-1553	59	9	,	,	PUNCT
ajird-1553	59	10	anchoring	anchoring	NOUN
ajird-1553	59	11	,	,	PUNCT
ajird-1553	59	12	adjustment	adjustment	NOUN
ajird-1553	59	13	overconfidence	overconfidence	NOUN
ajird-1553	59	14	,	,	PUNCT
ajird-1553	59	15	regret	regret	VERB
ajird-1553	59	16	aversion	aversion	NOUN
ajird-1553	59	17	,	,	PUNCT
ajird-1553	59	18	herding	herding	NOUN
ajird-1553	59	19	effect	effect	NOUN
ajird-1553	59	20	.	.	PUNCT
ajird-1553	60	1	3	3	X
ajird-1553	60	2	)	)	PUNCT
ajird-1553	60	3	risk	risk	NOUN
ajird-1553	60	4	tolerance	tolerance	NOUN
ajird-1553	60	5	:	:	PUNCT
ajird-1553	60	6	low	low	ADJ
ajird-1553	60	7	or	or	CCONJ
ajird-1553	60	8	high	high	ADJ
ajird-1553	60	9	.	.	PUNCT
ajird-1553	61	1	the	the	DET
ajird-1553	61	2	researchers	researcher	NOUN
ajird-1553	61	3	mention	mention	VERB
ajird-1553	61	4	that	that	SCONJ
ajird-1553	61	5	in	in	ADP
ajird-1553	61	6	many	many	ADJ
ajird-1553	61	7	cases	case	NOUN
ajird-1553	61	8	investors	investor	NOUN
ajird-1553	61	9	are	be	AUX
ajird-1553	61	10	not	not	PART
ajird-1553	61	11	aware	aware	ADJ
ajird-1553	61	12	of	of	ADP
ajird-1553	61	13	their	their	PRON
ajird-1553	61	14	psychological	psychological	ADJ
ajird-1553	61	15	biases	bias	NOUN
ajird-1553	61	16	.	.	PUNCT
ajird-1553	62	1	by	by	ADP
ajird-1553	62	2	changing	change	VERB
ajird-1553	62	3	this	this	PRON
ajird-1553	62	4	,	,	PUNCT
ajird-1553	62	5	they	they	PRON
ajird-1553	62	6	can	can	AUX
ajird-1553	62	7	be	be	AUX
ajird-1553	62	8	more	more	ADV
ajird-1553	62	9	rational	rational	ADJ
ajird-1553	62	10	and	and	CCONJ
ajird-1553	62	11	take	take	VERB
ajird-1553	62	12	more	more	ADJ
ajird-1553	62	13	elaborate	elaborate	ADJ
ajird-1553	62	14	decisions	decision	NOUN
ajird-1553	62	15	.	.	PUNCT
ajird-1553	63	1	american	american	ADJ
ajird-1553	63	2	journal	journal	PROPN
ajird-1553	63	3	of	of	ADP
ajird-1553	63	4	interdisciplinary	interdisciplinary	ADJ
ajird-1553	63	5	research	research	NOUN
ajird-1553	63	6	and	and	CCONJ
ajird-1553	63	7	development	development	NOUN
ajird-1553	63	8	issn	issn	PROPN
ajird-1553	63	9	online	online	NOUN
ajird-1553	63	10	:	:	PUNCT
ajird-1553	63	11	2771	2771	NUM
ajird-1553	63	12	-	-	SYM
ajird-1553	63	13	8948	8948	NUM
ajird-1553	63	14	website	website	NOUN
ajird-1553	63	15	:	:	PUNCT
ajird-1553	63	16	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1553	63	17	volume	volume	NOUN
ajird-1553	63	18	40	40	NUM
ajird-1553	63	19	,	,	PUNCT
ajird-1553	63	20	may2025	may2025	VERB
ajird-1553	63	21	21	21	NUM
ajird-1553	64	1	|	|	ADV
ajird-1553	64	2	p	p	NOUN
ajird-1553	64	3	a	a	DET
ajird-1553	64	4	g	g	NOUN
ajird-1553	64	5	e	e	ADP
ajird-1553	64	6	psychological	psychological	ADJ
ajird-1553	64	7	features	feature	NOUN
ajird-1553	64	8	allow	allow	VERB
ajird-1553	64	9	us	we	PRON
ajird-1553	64	10	predict	predict	VERB
ajird-1553	64	11	individuals	individual	NOUN
ajird-1553	64	12	’	'	PUNCT
ajird-1553	64	13	future	future	ADJ
ajird-1553	64	14	financial	financial	ADJ
ajird-1553	64	15	decisions	decision	NOUN
ajird-1553	64	16	or	or	CCONJ
ajird-1553	64	17	prevent	prevent	VERB
ajird-1553	64	18	them	they	PRON
ajird-1553	64	19	from	from	ADP
ajird-1553	64	20	failure	failure	NOUN
ajird-1553	64	21	.	.	PUNCT
ajird-1553	65	1	socio	socio	NOUN
ajird-1553	65	2	-	-	PUNCT
ajird-1553	65	3	demographical	demographical	ADJ
ajird-1553	65	4	factors	factor	NOUN
ajird-1553	65	5	contain	contain	VERB
ajird-1553	65	6	the	the	DET
ajird-1553	65	7	following	follow	VERB
ajird-1553	65	8	characteristics	characteristic	NOUN
ajird-1553	65	9	such	such	ADJ
ajird-1553	65	10	as	as	ADP
ajird-1553	65	11	age	age	NOUN
ajird-1553	65	12	,	,	PUNCT
ajird-1553	65	13	gender	gender	NOUN
ajird-1553	65	14	,	,	PUNCT
ajird-1553	65	15	family	family	NOUN
ajird-1553	65	16	,	,	PUNCT
ajird-1553	65	17	religion	religion	NOUN
ajird-1553	65	18	and	and	CCONJ
ajird-1553	65	19	health	health	NOUN
ajird-1553	65	20	.	.	PUNCT
ajird-1553	66	1	age	age	NOUN
ajird-1553	66	2	is	be	AUX
ajird-1553	66	3	a	a	DET
ajird-1553	66	4	crucial	crucial	ADJ
ajird-1553	66	5	predictor	predictor	NOUN
ajird-1553	66	6	of	of	ADP
ajird-1553	66	7	financial	financial	ADJ
ajird-1553	66	8	behavior	behavior	NOUN
ajird-1553	66	9	.	.	PUNCT
ajird-1553	67	1	by	by	ADP
ajird-1553	67	2	different	different	ADJ
ajird-1553	67	3	studies	study	NOUN
ajird-1553	67	4	it	it	PRON
ajird-1553	67	5	is	be	AUX
ajird-1553	67	6	noted	note	VERB
ajird-1553	67	7	that	that	SCONJ
ajird-1553	67	8	as	as	SCONJ
ajird-1553	67	9	they	they	PRON
ajird-1553	67	10	age	age	VERB
ajird-1553	67	11	and	and	CCONJ
ajird-1553	67	12	gain	gain	VERB
ajird-1553	67	13	more	more	ADJ
ajird-1553	67	14	experience	experience	NOUN
ajird-1553	67	15	investors	investor	NOUN
ajird-1553	67	16	are	be	AUX
ajird-1553	67	17	less	less	ADV
ajird-1553	67	18	likely	likely	ADJ
ajird-1553	67	19	to	to	PART
ajird-1553	67	20	take	take	VERB
ajird-1553	67	21	risks	risk	NOUN
ajird-1553	67	22	and	and	CCONJ
ajird-1553	67	23	this	this	PRON
ajird-1553	67	24	can	can	AUX
ajird-1553	67	25	be	be	AUX
ajird-1553	67	26	applied	apply	VERB
ajird-1553	67	27	to	to	ADP
ajird-1553	67	28	other	other	ADJ
ajird-1553	67	29	financial	financial	ADJ
ajird-1553	67	30	decisions	decision	NOUN
ajird-1553	67	31	as	as	ADV
ajird-1553	67	32	well	well	ADV
ajird-1553	67	33	.	.	PUNCT
ajird-1553	68	1	some	some	DET
ajird-1553	68	2	authors	author	NOUN
ajird-1553	68	3	claim	claim	VERB
ajird-1553	68	4	that	that	SCONJ
ajird-1553	68	5	financial	financial	ADJ
ajird-1553	68	6	literacy	literacy	NOUN
ajird-1553	68	7	tends	tend	VERB
ajird-1553	68	8	to	to	PART
ajird-1553	68	9	decrease	decrease	VERB
ajird-1553	68	10	.	.	PUNCT
ajird-1553	69	1	family	family	NOUN
ajird-1553	69	2	is	be	AUX
ajird-1553	69	3	also	also	ADV
ajird-1553	69	4	often	often	ADV
ajird-1553	69	5	described	describe	VERB
ajird-1553	69	6	as	as	ADP
ajird-1553	69	7	a	a	DET
ajird-1553	69	8	component	component	NOUN
ajird-1553	69	9	that	that	PRON
ajird-1553	69	10	affects	affect	VERB
ajird-1553	69	11	financial	financial	ADJ
ajird-1553	69	12	behavior	behavior	NOUN
ajird-1553	69	13	.	.	PUNCT
ajird-1553	70	1	firstly	firstly	ADV
ajird-1553	70	2	,	,	PUNCT
ajird-1553	70	3	financial	financial	ADJ
ajird-1553	70	4	literate	literate	ADJ
ajird-1553	70	5	parents	parent	NOUN
ajird-1553	70	6	reflect	reflect	VERB
ajird-1553	70	7	their	their	PRON
ajird-1553	70	8	correct	correct	ADJ
ajird-1553	70	9	behavior	behavior	NOUN
ajird-1553	70	10	in	in	ADP
ajird-1553	70	11	their	their	PRON
ajird-1553	70	12	children	child	NOUN
ajird-1553	70	13	.	.	PUNCT
ajird-1553	71	1	they	they	PRON
ajird-1553	71	2	do	do	AUX
ajird-1553	71	3	n’t	not	PART
ajird-1553	71	4	experience	experience	VERB
ajird-1553	71	5	shortcomings	shortcoming	NOUN
ajird-1553	71	6	in	in	ADP
ajird-1553	71	7	their	their	PRON
ajird-1553	71	8	pocket	pocket	NOUN
ajird-1553	71	9	money	money	NOUN
ajird-1553	71	10	and	and	CCONJ
ajird-1553	71	11	are	be	AUX
ajird-1553	71	12	less	less	ADV
ajird-1553	71	13	likely	likely	ADJ
ajird-1553	71	14	to	to	PART
ajird-1553	71	15	be	be	AUX
ajird-1553	71	16	in	in	ADP
ajird-1553	71	17	debt	debt	NOUN
ajird-1553	71	18	.	.	PUNCT
ajird-1553	72	1	secondly	secondly	ADV
ajird-1553	72	2	,	,	PUNCT
ajird-1553	72	3	cooperation	cooperation	NOUN
ajird-1553	72	4	between	between	ADP
ajird-1553	72	5	spouses	spouse	NOUN
ajird-1553	72	6	is	be	AUX
ajird-1553	72	7	another	another	DET
ajird-1553	72	8	mostly	mostly	ADV
ajird-1553	72	9	studied	study	VERB
ajird-1553	72	10	part	part	NOUN
ajird-1553	72	11	of	of	ADP
ajird-1553	72	12	affects	affect	NOUN
ajird-1553	72	13	of	of	ADP
ajird-1553	72	14	a	a	DET
ajird-1553	72	15	family	family	NOUN
ajird-1553	72	16	in	in	ADP
ajird-1553	72	17	financial	financial	ADJ
ajird-1553	72	18	behavior	behavior	NOUN
ajird-1553	72	19	.	.	PUNCT
ajird-1553	73	1	a	a	DET
ajird-1553	73	2	group	group	NOUN
ajird-1553	73	3	scientists	scientist	NOUN
ajird-1553	73	4	claim	claim	VERB
ajird-1553	73	5	that	that	SCONJ
ajird-1553	73	6	on	on	ADP
ajird-1553	73	7	average	average	ADJ
ajird-1553	73	8	a	a	DET
ajird-1553	73	9	husband	husband	NOUN
ajird-1553	73	10	’s	’s	PART
ajird-1553	73	11	decisions	decision	NOUN
ajird-1553	73	12	more	more	ADV
ajird-1553	73	13	often	often	ADV
ajird-1553	73	14	tend	tend	VERB
ajird-1553	73	15	to	to	PART
ajird-1553	73	16	be	be	AUX
ajird-1553	73	17	correct	correct	ADJ
ajird-1553	73	18	.	.	PUNCT
ajird-1553	74	1	this	this	PRON
ajird-1553	74	2	is	be	AUX
ajird-1553	74	3	assumed	assume	VERB
ajird-1553	74	4	to	to	PART
ajird-1553	74	5	happen	happen	VERB
ajird-1553	74	6	because	because	SCONJ
ajird-1553	74	7	of	of	ADP
ajird-1553	74	8	the	the	DET
ajird-1553	74	9	gender	gender	NOUN
ajird-1553	74	10	gap	gap	NOUN
ajird-1553	74	11	in	in	ADP
ajird-1553	74	12	financial	financial	ADJ
ajird-1553	74	13	literacy	literacy	NOUN
ajird-1553	74	14	.	.	PUNCT
ajird-1553	75	1	religion	religion	NOUN
ajird-1553	75	2	can	can	AUX
ajird-1553	75	3	indeed	indeed	ADV
ajird-1553	75	4	shape	shape	VERB
ajird-1553	75	5	our	our	PRON
ajird-1553	75	6	preferences	preference	NOUN
ajird-1553	75	7	and	and	CCONJ
ajird-1553	75	8	the	the	DET
ajird-1553	75	9	principles	principle	NOUN
ajird-1553	75	10	we	we	PRON
ajird-1553	75	11	establish	establish	VERB
ajird-1553	75	12	for	for	ADP
ajird-1553	75	13	ourselves	ourselves	PRON
ajird-1553	75	14	.	.	PUNCT
ajird-1553	76	1	for	for	ADP
ajird-1553	76	2	instance	instance	NOUN
ajird-1553	76	3	,	,	PUNCT
ajird-1553	76	4	some	some	DET
ajird-1553	76	5	individuals	individual	NOUN
ajird-1553	76	6	,	,	PUNCT
ajird-1553	76	7	guided	guide	VERB
ajird-1553	76	8	by	by	ADP
ajird-1553	76	9	their	their	PRON
ajird-1553	76	10	religious	religious	ADJ
ajird-1553	76	11	beliefs	belief	NOUN
ajird-1553	76	12	,	,	PUNCT
ajird-1553	76	13	may	may	AUX
ajird-1553	76	14	choose	choose	VERB
ajird-1553	76	15	not	not	PART
ajird-1553	76	16	to	to	PART
ajird-1553	76	17	deposit	deposit	VERB
ajird-1553	76	18	money	money	NOUN
ajird-1553	76	19	in	in	ADP
ajird-1553	76	20	banks	bank	NOUN
ajird-1553	76	21	or	or	CCONJ
ajird-1553	76	22	invest	invest	VERB
ajird-1553	76	23	in	in	ADP
ajird-1553	76	24	ventures	venture	NOUN
ajird-1553	76	25	perceived	perceive	VERB
ajird-1553	76	26	as	as	ADP
ajird-1553	76	27	risky	risky	ADJ
ajird-1553	76	28	.	.	PUNCT
ajird-1553	77	1	while	while	SCONJ
ajird-1553	77	2	it	it	PRON
ajird-1553	77	3	's	be	AUX
ajird-1553	77	4	not	not	PART
ajird-1553	77	5	always	always	ADV
ajird-1553	77	6	a	a	DET
ajird-1553	77	7	certainty	certainty	NOUN
ajird-1553	77	8	,	,	PUNCT
ajird-1553	77	9	religion	religion	NOUN
ajird-1553	77	10	can	can	AUX
ajird-1553	77	11	occasionally	occasionally	ADV
ajird-1553	77	12	influence	influence	VERB
ajird-1553	77	13	our	our	PRON
ajird-1553	77	14	actions	action	NOUN
ajird-1553	77	15	and	and	CCONJ
ajird-1553	77	16	financial	financial	ADJ
ajird-1553	77	17	decisions	decision	NOUN
ajird-1553	77	18	.	.	PUNCT
ajird-1553	78	1	next	next	ADJ
ajird-1553	78	2	important	important	ADJ
ajird-1553	78	3	element	element	NOUN
ajird-1553	78	4	of	of	ADP
ajird-1553	78	5	the	the	DET
ajird-1553	78	6	group	group	NOUN
ajird-1553	78	7	of	of	ADP
ajird-1553	78	8	external	external	ADJ
ajird-1553	78	9	determinants	determinant	NOUN
ajird-1553	78	10	is	be	AUX
ajird-1553	78	11	gender	gender	NOUN
ajird-1553	78	12	.	.	PUNCT
ajird-1553	79	1	it	it	PRON
ajird-1553	79	2	was	be	AUX
ajird-1553	79	3	proven	prove	VERB
ajird-1553	79	4	that	that	SCONJ
ajird-1553	79	5	males	male	NOUN
ajird-1553	79	6	have	have	VERB
ajird-1553	79	7	different	different	ADJ
ajird-1553	79	8	level	level	NOUN
ajird-1553	79	9	of	of	ADP
ajird-1553	79	10	financial	financial	ADJ
ajird-1553	79	11	literacy	literacy	NOUN
ajird-1553	79	12	and	and	CCONJ
ajird-1553	79	13	different	different	ADJ
ajird-1553	79	14	financial	financial	ADJ
ajird-1553	79	15	behavior	behavior	NOUN
ajird-1553	79	16	.	.	PUNCT
ajird-1553	80	1	it	it	PRON
ajird-1553	80	2	's	be	AUX
ajird-1553	80	3	clear	clear	ADJ
ajird-1553	80	4	that	that	SCONJ
ajird-1553	80	5	the	the	DET
ajird-1553	80	6	underlying	underlying	ADJ
ajird-1553	80	7	cause	cause	NOUN
ajird-1553	80	8	is	be	AUX
ajird-1553	80	9	n't	not	PART
ajird-1553	80	10	gender	gender	NOUN
ajird-1553	80	11	itself	itself	PRON
ajird-1553	80	12	,	,	PUNCT
ajird-1553	80	13	but	but	CCONJ
ajird-1553	80	14	rather	rather	ADV
ajird-1553	80	15	the	the	DET
ajird-1553	80	16	life	life	NOUN
ajird-1553	80	17	experiences	experience	VERB
ajird-1553	80	18	individuals	individual	NOUN
ajird-1553	80	19	encounter	encounter	VERB
ajird-1553	80	20	,	,	PUNCT
ajird-1553	80	21	such	such	ADJ
ajird-1553	80	22	as	as	ADP
ajird-1553	80	23	education	education	NOUN
ajird-1553	80	24	,	,	PUNCT
ajird-1553	80	25	family	family	NOUN
ajird-1553	80	26	circumstances	circumstance	NOUN
ajird-1553	80	27	,	,	PUNCT
ajird-1553	80	28	upbringing	upbringing	NOUN
ajird-1553	80	29	,	,	PUNCT
ajird-1553	80	30	and	and	CCONJ
ajird-1553	80	31	other	other	ADJ
ajird-1553	80	32	factors	factor	NOUN
ajird-1553	80	33	.	.	PUNCT
ajird-1553	81	1	analyzing	analyze	VERB
ajird-1553	81	2	the	the	DET
ajird-1553	81	3	key	key	ADJ
ajird-1553	81	4	traits	trait	NOUN
ajird-1553	81	5	that	that	PRON
ajird-1553	81	6	differentiate	differentiate	VERB
ajird-1553	81	7	male	male	ADJ
ajird-1553	81	8	and	and	CCONJ
ajird-1553	81	9	female	female	ADJ
ajird-1553	81	10	mindsets	mindset	NOUN
ajird-1553	81	11	in	in	ADP
ajird-1553	81	12	financial	financial	ADJ
ajird-1553	81	13	matters	matter	NOUN
ajird-1553	81	14	can	can	AUX
ajird-1553	81	15	help	help	VERB
ajird-1553	81	16	us	we	PRON
ajird-1553	81	17	personalize	personalize	VERB
ajird-1553	81	18	financial	financial	ADJ
ajird-1553	81	19	products	product	NOUN
ajird-1553	81	20	,	,	PUNCT
ajird-1553	81	21	such	such	ADJ
ajird-1553	81	22	as	as	ADP
ajird-1553	81	23	forex	forex	ADJ
ajird-1553	81	24	and	and	CCONJ
ajird-1553	81	25	investment	investment	NOUN
ajird-1553	81	26	projects	project	NOUN
ajird-1553	81	27	,	,	PUNCT
ajird-1553	81	28	education	education	NOUN
ajird-1553	81	29	programs	program	NOUN
ajird-1553	81	30	for	for	ADP
ajird-1553	81	31	different	different	ADJ
ajird-1553	81	32	genders	gender	NOUN
ajird-1553	81	33	.	.	PUNCT
ajird-1553	82	1	in	in	ADP
ajird-1553	82	2	their	their	PRON
ajird-1553	82	3	studies	study	NOUN
ajird-1553	82	4	,	,	PUNCT
ajird-1553	82	5	bernasek	bernasek	VERB
ajird-1553	82	6	and	and	CCONJ
ajird-1553	82	7	bajtelsmit	bajtelsmit	NOUN
ajird-1553	82	8	demonstrate	demonstrate	VERB
ajird-1553	82	9	that	that	SCONJ
ajird-1553	82	10	for	for	ADP
ajird-1553	82	11	women	woman	NOUN
ajird-1553	82	12	,	,	PUNCT
ajird-1553	82	13	the	the	DET
ajird-1553	82	14	extent	extent	NOUN
ajird-1553	82	15	of	of	ADP
ajird-1553	82	16	their	their	PRON
ajird-1553	82	17	involvement	involvement	NOUN
ajird-1553	82	18	in	in	ADP
ajird-1553	82	19	financial	financial	ADJ
ajird-1553	82	20	decision	decision	NOUN
ajird-1553	82	21	-	-	PUNCT
ajird-1553	82	22	making	making	NOUN
ajird-1553	82	23	is	be	AUX
ajird-1553	82	24	directly	directly	ADV
ajird-1553	82	25	linked	link	VERB
ajird-1553	82	26	to	to	ADP
ajird-1553	82	27	their	their	PRON
ajird-1553	82	28	income	income	NOUN
ajird-1553	82	29	.	.	PUNCT
ajird-1553	83	1	similarly	similarly	ADV
ajird-1553	83	2	,	,	PUNCT
ajird-1553	83	3	anne	anne	PROPN
ajird-1553	83	4	-	-	PUNCT
ajird-1553	83	5	marie	marie	PROPN
ajird-1553	83	6	lusardi	lusardi	PROPN
ajird-1553	83	7	's	's	PART
ajird-1553	83	8	research	research	NOUN
ajird-1553	83	9	has	have	AUX
ajird-1553	83	10	established	establish	VERB
ajird-1553	83	11	that	that	SCONJ
ajird-1553	83	12	while	while	SCONJ
ajird-1553	83	13	financial	financial	ADJ
ajird-1553	83	14	illiteracy	illiteracy	NOUN
ajird-1553	83	15	is	be	AUX
ajird-1553	83	16	prevalent	prevalent	ADJ
ajird-1553	83	17	among	among	ADP
ajird-1553	83	18	both	both	DET
ajird-1553	83	19	genders	gender	NOUN
ajird-1553	83	20	,	,	PUNCT
ajird-1553	83	21	women	woman	NOUN
ajird-1553	83	22	tend	tend	VERB
ajird-1553	83	23	to	to	PART
ajird-1553	83	24	exhibit	exhibit	VERB
ajird-1553	83	25	lower	low	ADJ
ajird-1553	83	26	levels	level	NOUN
ajird-1553	83	27	of	of	ADP
ajird-1553	83	28	financial	financial	ADJ
ajird-1553	83	29	literacy	literacy	NOUN
ajird-1553	83	30	compared	compare	VERB
ajird-1553	83	31	to	to	ADP
ajird-1553	83	32	men	man	NOUN
ajird-1553	83	33	.	.	PUNCT
ajird-1553	84	1	furthermore	furthermore	ADV
ajird-1553	84	2	,	,	PUNCT
ajird-1553	84	3	women	woman	NOUN
ajird-1553	84	4	face	face	VERB
ajird-1553	84	5	greater	great	ADJ
ajird-1553	84	6	financial	financial	ADJ
ajird-1553	84	7	insecurity	insecurity	NOUN
ajird-1553	84	8	,	,	PUNCT
ajird-1553	84	9	a	a	DET
ajird-1553	84	10	phenomenon	phenomenon	NOUN
ajird-1553	84	11	often	often	ADV
ajird-1553	84	12	attributed	attribute	VERB
ajird-1553	84	13	to	to	ADP
ajird-1553	84	14	their	their	PRON
ajird-1553	84	15	greater	great	ADJ
ajird-1553	84	16	involvement	involvement	NOUN
ajird-1553	84	17	in	in	ADP
ajird-1553	84	18	caring	care	VERB
ajird-1553	84	19	for	for	ADP
ajird-1553	84	20	parents	parent	NOUN
ajird-1553	84	21	and	and	CCONJ
ajird-1553	84	22	funding	fund	VERB
ajird-1553	84	23	their	their	PRON
ajird-1553	84	24	children	child	NOUN
ajird-1553	84	25	's	's	PART
ajird-1553	84	26	education	education	NOUN
ajird-1553	84	27	compared	compare	VERB
ajird-1553	84	28	to	to	ADP
ajird-1553	84	29	men	man	NOUN
ajird-1553	84	30	.	.	PUNCT
ajird-1553	85	1	research	research	NOUN
ajird-1553	85	2	into	into	ADP
ajird-1553	85	3	risk	risk	NOUN
ajird-1553	85	4	aversion	aversion	NOUN
ajird-1553	85	5	among	among	ADP
ajird-1553	85	6	women	woman	NOUN
ajird-1553	85	7	also	also	ADV
ajird-1553	85	8	exists	exist	VERB
ajird-1553	85	9	,	,	PUNCT
ajird-1553	85	10	although	although	SCONJ
ajird-1553	85	11	this	this	DET
ajird-1553	85	12	area	area	NOUN
ajird-1553	85	13	warrants	warrant	VERB
ajird-1553	85	14	further	far	ADV
ajird-1553	85	15	in	in	ADP
ajird-1553	85	16	-	-	PUNCT
ajird-1553	85	17	depth	depth	NOUN
ajird-1553	85	18	analysis	analysis	NOUN
ajird-1553	85	19	.	.	PUNCT
ajird-1553	86	1	results	result	VERB
ajird-1553	86	2	the	the	DET
ajird-1553	86	3	provided	provide	VERB
ajird-1553	86	4	study	study	NOUN
ajird-1553	86	5	reveals	reveal	VERB
ajird-1553	86	6	two	two	NUM
ajird-1553	86	7	groups	group	NOUN
ajird-1553	86	8	of	of	ADP
ajird-1553	86	9	determinants	determinant	NOUN
ajird-1553	86	10	that	that	PRON
ajird-1553	86	11	influence	influence	VERB
ajird-1553	86	12	individuals	individual	NOUN
ajird-1553	86	13	'	'	PART
ajird-1553	86	14	financial	financial	ADJ
ajird-1553	86	15	behavior	behavior	NOUN
ajird-1553	86	16	at	at	ADP
ajird-1553	86	17	different	different	ADJ
ajird-1553	86	18	levels	level	NOUN
ajird-1553	86	19	:	:	PUNCT
ajird-1553	86	20	external	external	ADJ
ajird-1553	86	21	and	and	CCONJ
ajird-1553	86	22	internal	internal	ADJ
ajird-1553	86	23	components	component	NOUN
ajird-1553	86	24	.	.	PUNCT
ajird-1553	87	1	external	external	ADJ
ajird-1553	87	2	components	component	NOUN
ajird-1553	87	3	tend	tend	VERB
ajird-1553	87	4	to	to	PART
ajird-1553	87	5	have	have	VERB
ajird-1553	87	6	a	a	DET
ajird-1553	87	7	more	more	ADV
ajird-1553	87	8	general	general	ADJ
ajird-1553	87	9	impact	impact	NOUN
ajird-1553	87	10	on	on	ADP
ajird-1553	87	11	behavior	behavior	NOUN
ajird-1553	87	12	,	,	PUNCT
ajird-1553	87	13	whereas	whereas	SCONJ
ajird-1553	87	14	the	the	DET
ajird-1553	87	15	combination	combination	NOUN
ajird-1553	87	16	of	of	ADP
ajird-1553	87	17	various	various	ADJ
ajird-1553	87	18	internal	internal	ADJ
ajird-1553	87	19	elements	element	NOUN
ajird-1553	87	20	affecting	affect	VERB
ajird-1553	87	21	an	an	DET
ajird-1553	87	22	individual	individual	NOUN
ajird-1553	87	23	is	be	AUX
ajird-1553	87	24	often	often	ADV
ajird-1553	87	25	unique	unique	ADJ
ajird-1553	87	26	.	.	PUNCT
ajird-1553	88	1	within	within	ADP
ajird-1553	88	2	the	the	DET
ajird-1553	88	3	context	context	NOUN
ajird-1553	88	4	of	of	ADP
ajird-1553	88	5	this	this	DET
ajird-1553	88	6	paper	paper	NOUN
ajird-1553	88	7	,	,	PUNCT
ajird-1553	88	8	we	we	PRON
ajird-1553	88	9	note	note	VERB
ajird-1553	88	10	american	american	ADJ
ajird-1553	88	11	journal	journal	PROPN
ajird-1553	88	12	of	of	ADP
ajird-1553	88	13	interdisciplinary	interdisciplinary	ADJ
ajird-1553	88	14	research	research	NOUN
ajird-1553	88	15	and	and	CCONJ
ajird-1553	88	16	development	development	NOUN
ajird-1553	88	17	issn	issn	PROPN
ajird-1553	88	18	online	online	NOUN
ajird-1553	88	19	:	:	PUNCT
ajird-1553	88	20	2771	2771	NUM
ajird-1553	88	21	-	-	SYM
ajird-1553	88	22	8948	8948	NUM
ajird-1553	88	23	website	website	NOUN
ajird-1553	88	24	:	:	PUNCT
ajird-1553	88	25	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1553	88	26	volume	volume	NOUN
ajird-1553	88	27	40	40	NUM
ajird-1553	88	28	,	,	PUNCT
ajird-1553	88	29	may2025	may2025	VERB
ajird-1553	88	30	22	22	NUM
ajird-1553	89	1	|	|	ADV
ajird-1553	89	2	p	p	NOUN
ajird-1553	89	3	a	a	DET
ajird-1553	89	4	g	g	NOUN
ajird-1553	89	5	e	e	NOUN
ajird-1553	89	6	that	that	PRON
ajird-1553	89	7	factors	factor	VERB
ajird-1553	89	8	such	such	ADJ
ajird-1553	89	9	as	as	ADP
ajird-1553	89	10	family	family	NOUN
ajird-1553	89	11	,	,	PUNCT
ajird-1553	89	12	politics	politic	NOUN
ajird-1553	89	13	,	,	PUNCT
ajird-1553	89	14	religion	religion	NOUN
ajird-1553	89	15	,	,	PUNCT
ajird-1553	89	16	and	and	CCONJ
ajird-1553	89	17	personal	personal	ADJ
ajird-1553	89	18	and	and	CCONJ
ajird-1553	89	19	psychological	psychological	ADJ
ajird-1553	89	20	characteristics	characteristic	NOUN
ajird-1553	89	21	significantly	significantly	ADV
ajird-1553	89	22	affect	affect	VERB
ajird-1553	89	23	the	the	DET
ajird-1553	89	24	gender	gender	NOUN
ajird-1553	89	25	gap	gap	NOUN
ajird-1553	89	26	.	.	PUNCT
ajird-1553	90	1	by	by	ADP
ajird-1553	90	2	focusing	focus	VERB
ajird-1553	90	3	on	on	ADP
ajird-1553	90	4	each	each	DET
ajird-1553	90	5	factor	factor	NOUN
ajird-1553	90	6	separately	separately	ADV
ajird-1553	90	7	,	,	PUNCT
ajird-1553	90	8	we	we	PRON
ajird-1553	90	9	can	can	AUX
ajird-1553	90	10	identify	identify	VERB
ajird-1553	90	11	shortcomings	shortcoming	NOUN
ajird-1553	90	12	within	within	ADP
ajird-1553	90	13	each	each	DET
ajird-1553	90	14	area	area	NOUN
ajird-1553	90	15	that	that	PRON
ajird-1553	90	16	contribute	contribute	VERB
ajird-1553	90	17	to	to	ADP
ajird-1553	90	18	the	the	DET
ajird-1553	90	19	gender	gender	NOUN
ajird-1553	90	20	gap	gap	NOUN
ajird-1553	90	21	in	in	ADP
ajird-1553	90	22	financial	financial	ADJ
ajird-1553	90	23	literacy	literacy	NOUN
ajird-1553	90	24	.	.	PUNCT
ajird-1553	91	1	consequently	consequently	ADV
ajird-1553	91	2	,	,	PUNCT
ajird-1553	91	3	future	future	ADJ
ajird-1553	91	4	work	work	NOUN
ajird-1553	91	5	in	in	ADP
ajird-1553	91	6	this	this	DET
ajird-1553	91	7	direction	direction	NOUN
ajird-1553	91	8	will	will	AUX
ajird-1553	91	9	be	be	AUX
ajird-1553	91	10	more	more	ADV
ajird-1553	91	11	efficient	efficient	ADJ
ajird-1553	91	12	and	and	CCONJ
ajird-1553	91	13	contribute	contribute	VERB
ajird-1553	91	14	to	to	ADP
ajird-1553	91	15	achieving	achieve	VERB
ajird-1553	91	16	greater	great	ADJ
ajird-1553	91	17	equality	equality	NOUN
ajird-1553	91	18	in	in	ADP
ajird-1553	91	19	financial	financial	ADJ
ajird-1553	91	20	literacy	literacy	NOUN
ajird-1553	91	21	between	between	ADP
ajird-1553	91	22	genders	gender	NOUN
ajird-1553	91	23	.	.	PUNCT
ajird-1553	92	1	conclusion	conclusion	NOUN
ajird-1553	92	2	from	from	ADP
ajird-1553	92	3	the	the	DET
ajird-1553	92	4	preceding	precede	VERB
ajird-1553	92	5	points	point	NOUN
ajird-1553	92	6	,	,	PUNCT
ajird-1553	92	7	we	we	PRON
ajird-1553	92	8	can	can	AUX
ajird-1553	92	9	conclude	conclude	VERB
ajird-1553	92	10	that	that	PRON
ajird-1553	92	11	to	to	PART
ajird-1553	92	12	understand	understand	VERB
ajird-1553	92	13	the	the	DET
ajird-1553	92	14	reasons	reason	NOUN
ajird-1553	92	15	behind	behind	ADP
ajird-1553	92	16	the	the	DET
ajird-1553	92	17	financial	financial	ADJ
ajird-1553	92	18	literacy	literacy	NOUN
ajird-1553	92	19	gap	gap	NOUN
ajird-1553	92	20	between	between	ADP
ajird-1553	92	21	genders	gender	NOUN
ajird-1553	92	22	,	,	PUNCT
ajird-1553	92	23	a	a	DET
ajird-1553	92	24	comprehensive	comprehensive	ADJ
ajird-1553	92	25	analysis	analysis	NOUN
ajird-1553	92	26	of	of	ADP
ajird-1553	92	27	all	all	DET
ajird-1553	92	28	the	the	DET
ajird-1553	92	29	factors	factor	NOUN
ajird-1553	92	30	mentioned	mention	VERB
ajird-1553	92	31	in	in	ADP
ajird-1553	92	32	this	this	DET
ajird-1553	92	33	paper	paper	NOUN
ajird-1553	92	34	is	be	AUX
ajird-1553	92	35	necessary	necessary	ADJ
ajird-1553	92	36	.	.	PUNCT
ajird-1553	93	1	while	while	SCONJ
ajird-1553	93	2	some	some	DET
ajird-1553	93	3	determinants	determinant	NOUN
ajird-1553	93	4	may	may	AUX
ajird-1553	93	5	influence	influence	VERB
ajird-1553	93	6	both	both	DET
ajird-1553	93	7	genders	gender	NOUN
ajird-1553	93	8	similarly	similarly	ADV
ajird-1553	93	9	,	,	PUNCT
ajird-1553	93	10	others	other	NOUN
ajird-1553	93	11	can	can	AUX
ajird-1553	93	12	have	have	VERB
ajird-1553	93	13	a	a	DET
ajird-1553	93	14	differential	differential	ADJ
ajird-1553	93	15	impact	impact	NOUN
ajird-1553	93	16	on	on	ADP
ajird-1553	93	17	men	man	NOUN
ajird-1553	93	18	and	and	CCONJ
ajird-1553	93	19	women	woman	NOUN
ajird-1553	93	20	.	.	PUNCT
ajird-1553	94	1	future	future	ADJ
ajird-1553	94	2	research	research	NOUN
ajird-1553	94	3	should	should	AUX
ajird-1553	94	4	focus	focus	VERB
ajird-1553	94	5	on	on	ADP
ajird-1553	94	6	each	each	DET
ajird-1553	94	7	group	group	NOUN
ajird-1553	94	8	of	of	ADP
ajird-1553	94	9	factors	factor	NOUN
ajird-1553	94	10	,	,	PUNCT
ajird-1553	94	11	specifically	specifically	ADV
ajird-1553	94	12	examining	examine	VERB
ajird-1553	94	13	gender	gender	NOUN
ajird-1553	94	14	-	-	PUNCT
ajird-1553	94	15	based	base	VERB
ajird-1553	94	16	differences	difference	NOUN
ajird-1553	94	17	and	and	CCONJ
ajird-1553	94	18	conducting	conduct	VERB
ajird-1553	94	19	more	more	ADV
ajird-1553	94	20	thorough	thorough	ADJ
ajird-1553	94	21	investigations	investigation	NOUN
ajird-1553	94	22	.	.	PUNCT
ajird-1553	95	1	furthermore	furthermore	ADV
ajird-1553	95	2	,	,	PUNCT
ajird-1553	95	3	it	it	PRON
ajird-1553	95	4	's	be	AUX
ajird-1553	95	5	probable	probable	ADJ
ajird-1553	95	6	that	that	SCONJ
ajird-1553	95	7	this	this	DET
ajird-1553	95	8	work	work	NOUN
ajird-1553	95	9	will	will	AUX
ajird-1553	95	10	need	need	VERB
ajird-1553	95	11	to	to	PART
ajird-1553	95	12	be	be	AUX
ajird-1553	95	13	conducted	conduct	VERB
ajird-1553	95	14	separately	separately	ADV
ajird-1553	95	15	in	in	ADP
ajird-1553	95	16	different	different	ADJ
ajird-1553	95	17	geographical	geographical	ADJ
ajird-1553	95	18	areas	area	NOUN
ajird-1553	95	19	,	,	PUNCT
ajird-1553	95	20	as	as	SCONJ
ajird-1553	95	21	the	the	DET
ajird-1553	95	22	results	result	NOUN
ajird-1553	95	23	may	may	AUX
ajird-1553	95	24	vary	vary	VERB
ajird-1553	95	25	depending	depend	VERB
ajird-1553	95	26	on	on	ADP
ajird-1553	95	27	location	location	NOUN
ajird-1553	95	28	.	.	PUNCT
ajird-1553	96	1	this	this	DET
ajird-1553	96	2	general	general	ADJ
ajird-1553	96	3	knowledge	knowledge	NOUN
ajird-1553	96	4	needs	need	VERB
ajird-1553	96	5	to	to	PART
ajird-1553	96	6	be	be	AUX
ajird-1553	96	7	broken	break	VERB
ajird-1553	96	8	down	down	ADP
ajird-1553	96	9	into	into	ADP
ajird-1553	96	10	several	several	ADJ
ajird-1553	96	11	components	component	NOUN
ajird-1553	96	12	to	to	PART
ajird-1553	96	13	yield	yield	VERB
ajird-1553	96	14	more	more	ADV
ajird-1553	96	15	specific	specific	ADJ
ajird-1553	96	16	and	and	CCONJ
ajird-1553	96	17	accurate	accurate	ADJ
ajird-1553	96	18	findings	finding	NOUN
ajird-1553	96	19	.	.	PUNCT
ajird-1553	97	1	references	reference	NOUN
ajird-1553	97	2	:	:	PUNCT
ajird-1553	98	1	1	1	X
ajird-1553	98	2	.	.	X
ajird-1553	98	3	литвинова	литвинова	NOUN
ajird-1553	98	4	в	в	PROPN
ajird-1553	98	5	.	.	PUNCT
ajird-1553	99	1	в	в	PROPN
ajird-1553	99	2	.	.	PROPN
ajird-1553	99	3	финансовое	финансовое	VERB
ajird-1553	99	4	поведение	поведение	NOUN
ajird-1553	99	5	человека	человека	NOUN
ajird-1553	99	6	и	и	PROPN
ajird-1553	99	7	определяющие	определяющие	NOUN
ajird-1553	99	8	его	его	PROPN
ajird-1553	99	9	факторы	факторы	NOUN
ajird-1553	99	10	//	//	SYM
ajird-1553	99	11	журнал	журнал	PROPN
ajird-1553	99	12	экономической	экономической	PROPN
ajird-1553	99	13	теории	теории	NOUN
ajird-1553	99	14	.	.	PUNCT
ajird-1553	100	1	—	—	PUNCT
ajird-1553	100	2	2020	2020	NUM
ajird-1553	100	3	.	.	PUNCT
ajird-1553	101	1	—	—	PUNCT
ajird-1553	101	2	т	т	X
ajird-1553	101	3	.	.	NOUN
ajird-1553	101	4	17	17	NUM
ajird-1553	101	5	.	.	PUNCT
ajird-1553	101	6	—	—	PUNCT
ajird-1553	102	1	№	№	NOUN
ajird-1553	102	2	1	1	NUM
ajird-1553	102	3	.	.	PUNCT
ajird-1553	102	4	—	—	PUNCT
ajird-1553	103	1	с	с	NOUN
ajird-1553	103	2	.	.	PUNCT
ajird-1553	104	1	230	230	NUM
ajird-1553	104	2	-	-	SYM
ajird-1553	104	3	237	237	NUM
ajird-1553	104	4	2	2	NUM
ajird-1553	104	5	.	.	PUNCT
ajird-1553	104	6	lusardi	lusardi	PROPN
ajird-1553	104	7	,	,	PUNCT
ajird-1553	104	8	annamaria	annamaria	PROPN
ajird-1553	104	9	(	(	PUNCT
ajird-1553	104	10	2009	2009	NUM
ajird-1553	104	11	)	)	PUNCT
ajird-1553	104	12	:	:	PUNCT
ajird-1553	104	13	the	the	DET
ajird-1553	104	14	importance	importance	NOUN
ajird-1553	104	15	of	of	ADP
ajird-1553	104	16	financial	financial	ADJ
ajird-1553	104	17	literacy	literacy	NOUN
ajird-1553	104	18	,	,	PUNCT
ajird-1553	104	19	nber	nber	PROPN
ajird-1553	104	20	reporter	reporter	PROPN
ajird-1553	104	21	online	online	PROPN
ajird-1553	104	22	,	,	PUNCT
ajird-1553	104	23	national	national	ADJ
ajird-1553	104	24	bureau	bureau	PROPN
ajird-1553	104	25	of	of	ADP
ajird-1553	104	26	economic	economic	ADJ
ajird-1553	104	27	research	research	NOUN
ajird-1553	104	28	(	(	PUNCT
ajird-1553	104	29	nber	nber	PROPN
ajird-1553	104	30	)	)	PUNCT
ajird-1553	104	31	,	,	PUNCT
ajird-1553	104	32	cambridge	cambridge	PROPN
ajird-1553	104	33	,	,	PUNCT
ajird-1553	104	34	ma	ma	PROPN
ajird-1553	104	35	,	,	PUNCT
ajird-1553	104	36	iss	iss	PROPN
ajird-1553	104	37	.	.	PROPN
ajird-1553	104	38	2	2	NUM
ajird-1553	104	39	,	,	PUNCT
ajird-1553	104	40	pp	pp	ADJ
ajird-1553	104	41	.	.	PUNCT
ajird-1553	105	1	13	13	NUM
ajird-1553	105	2	-	-	SYM
ajird-1553	105	3	16	16	NUM
ajird-1553	105	4	3	3	NUM
ajird-1553	105	5	.	.	PUNCT
ajird-1553	105	6	сушко	сушко	PROPN
ajird-1553	106	1	п	п	PROPN
ajird-1553	106	2	.	.	PUNCT
ajird-1553	107	1	е	е	X
ajird-1553	107	2	.	.	PUNCT
ajird-1553	107	3	динамика	динамика	PROPN
ajird-1553	107	4	показателей	показателей	PROPN
ajird-1553	107	5	субъективного	субъективного	NOUN
ajird-1553	107	6	социального	социального	ADJ
ajird-1553	107	7	благополучия	благополучия	VERB
ajird-1553	107	8	россиян	россиян	NOUN
ajird-1553	107	9	(	(	PUNCT
ajird-1553	107	10	2003–2023	2003–2023	NUM
ajird-1553	107	11	)	)	PUNCT
ajird-1553	107	12	//	//	X
ajird-1553	107	13	социологические	социологические	PROPN
ajird-1553	107	14	исследования	исследования	NOUN
ajird-1553	107	15	.	.	PUNCT
ajird-1553	108	1	2023	2023	NUM
ajird-1553	108	2	.	.	PUNCT
ajird-1553	109	1	№	№	ADJ
ajird-1553	109	2	12	12	NUM
ajird-1553	109	3	.	.	PUNCT
ajird-1553	110	1	с	с	PROPN
ajird-1553	110	2	.	.	PROPN
ajird-1553	111	1	59	59	NUM
ajird-1553	111	2	-	-	SYM
ajird-1553	111	3	71	71	NUM
ajird-1553	111	4	.	.	PUNCT
ajird-1553	112	1	4	4	NUM
ajird-1553	112	2	.	.	X
ajird-1553	112	3	http://ijfr.sciedupress.com	http://ijfr.sciedupress.com	X
ajird-1553	113	1	international	international	PROPN
ajird-1553	113	2	journal	journal	PROPN
ajird-1553	113	3	of	of	ADP
ajird-1553	113	4	financial	financial	ADJ
ajird-1553	113	5	researchvol	researchvol	NOUN
ajird-1553	113	6	.	.	PUNCT
ajird-1553	114	1	7	7	NUM
ajird-1553	114	2	,	,	PUNCT
ajird-1553	114	3	no	no	INTJ
ajird-1553	114	4	.	.	NOUN
ajird-1553	114	5	2	2	NUM
ajird-1553	114	6	;	;	PUNCT
ajird-1553	114	7	2016	2016	NUM
ajird-1553	114	8	published	publish	VERB
ajird-1553	114	9	by	by	ADP
ajird-1553	114	10	sciedu	sciedu	PROPN
ajird-1553	114	11	press	press	PROPN
ajird-1553	114	12	171	171	NUM
ajird-1553	114	13	issn	issn	PROPN
ajird-1553	114	14	1923	1923	NUM
ajird-1553	114	15	-	-	SYM
ajird-1553	114	16	4023	4023	NUM
ajird-1553	114	17	e	e	NOUN
ajird-1553	114	18	-	-	PROPN
ajird-1553	114	19	issn	issn	PROPN
ajird-1553	114	20	1923	1923	NUM
ajird-1553	114	21	-	-	SYM
ajird-1553	114	22	4031	4031	NUM
ajird-1553	114	23	an	an	DET
ajird-1553	114	24	empirical	empirical	ADJ
ajird-1553	114	25	research	research	NOUN
ajird-1553	114	26	on	on	ADP
ajird-1553	114	27	investor	investor	NOUN
ajird-1553	114	28	biases	bias	NOUN
ajird-1553	114	29	in	in	ADP
ajird-1553	114	30	financial	financial	ADJ
ajird-1553	114	31	decision	decision	NOUN
ajird-1553	114	32	-	-	PUNCT
ajird-1553	114	33	making	making	NOUN
ajird-1553	114	34	,	,	PUNCT
ajird-1553	114	35	financial	financial	ADJ
ajird-1553	114	36	risk	risk	NOUN
ajird-1553	114	37	tolerance	tolerance	NOUN
ajird-1553	114	38	and	and	CCONJ
ajird-1553	114	39	financial	financial	ADJ
ajird-1553	114	40	personality	personality	NOUN
ajird-1553	114	41	bilgehan	bilgehan	PROPN
ajird-1553	114	42	kübilay1	kübilay1	PROPN
ajird-1553	114	43	&	&	CCONJ
ajird-1553	114	44	ali	ali	PROPN
ajird-1553	114	45	bayrakdaroğlu2	bayrakdaroğlu2	PROPN
ajird-1553	114	46	.	.	PUNCT