id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3232	Fisher, Patti; Hayhoe, Celia; Lown, Jean	Gender differences in saving behaviors among low- to moderate-income households	2015	13	.pdf	application/pdf	6712	389	57	Jel classification: D12; J16 Keywords: Savings behavior; Gender; Low to moderate income 1. Although not a direct outcome from the present study with a focus on low to moderate incomes, the question arises whether educators need to analyze their messages and examples to determine if they may be too middle-income oriented and easily dismissed by learners who feel that they do not have the capacity to save.	cache/fsr-3232.pdf	txt/fsr-3232.txt