id	sid	eid	entity	type
fsr-3476	2	1	jaclyn j. beierleina	PERSON
fsr-3476	2	2	kaleigh launsbyb	PERSON
fsr-3476	2	3	haley smith	PERSON
fsr-3476	2	4	east carolina university	ORG
fsr-3476	2	5	3133	CARDINAL
fsr-3476	2	6	greenville	GPE
fsr-3476	2	7	nc	GPE
fsr-3476	2	8	27858	DATE
fsr-3476	2	9	usa bhonors college	ORG
fsr-3476	2	10	east carolina university	ORG
fsr-3476	2	11	3133	CARDINAL
fsr-3476	2	12	greenville	GPE
fsr-3476	2	13	nc	GPE
fsr-3476	2	14	27858	DATE
fsr-3476	8	1	2022	CARDINAL
fsr-3476	10	1	jel classifications: d14	ORG
fsr-3476	10	2	g530	ORG
fsr-3476	10	3	1	CARDINAL
fsr-3476	18	1	beierleinj@ecu.edu 1057-0810/22/$	ORG
fsr-3476	18	2	2022	CARDINAL
fsr-3476	20	1	30	CARDINAL
fsr-3476	20	2	2022	CARDINAL
fsr-3476	25	1	about 30%	PERCENT
fsr-3476	25	2	about 70%	PERCENT
fsr-3476	30	1	2	CARDINAL
fsr-3476	30	2	lusardi & mitchell	ORG
fsr-3476	30	3	2007	DATE
fsr-3476	30	4	mandell	ORG
fsr-3476	30	5	2006	DATE
fsr-3476	30	6	the national council on economic education	ORG
fsr-3476	30	7	2005	DATE
fsr-3476	30	8	fox, & cravener	ORG
fsr-3476	30	9	2007	DATE
fsr-3476	30	10	van rooij	PERSON
fsr-3476	30	11	lusardi, & alessie	ORG
fsr-3476	30	12	2011	DATE
fsr-3476	30	13	xiao	PERSON
fsr-3476	30	14	2010	DATE
fsr-3476	31	1	mandell & klein	ORG
fsr-3476	31	2	2009	DATE
fsr-3476	31	3	volpe	PERSON
fsr-3476	31	4	chen, & pavlicko	ORG
fsr-3476	31	5	1996	DATE
fsr-3476	32	1	chen	PERSON
fsr-3476	32	2	volpe	PERSON
fsr-3476	32	3	1998	DATE
fsr-3476	32	4	age 30	DATE
fsr-3476	33	1	chen	PERSON
fsr-3476	33	2	volpe	PERSON
fsr-3476	33	3	2002	DATE
fsr-3476	34	1	mandell	ORG
fsr-3476	34	2	klein	PERSON
fsr-3476	34	3	2007	DATE
fsr-3476	37	1	four-year	DATE
fsr-3476	38	1	90	CARDINAL
fsr-3476	38	2	j. j. beierlein et al	PERSON
fsr-3476	38	3	30	CARDINAL
fsr-3476	38	4	2022	CARDINAL
fsr-3476	39	1	neverett	ORG
fsr-3476	39	2	2013	DATE
fsr-3476	40	1	tang	PERSON
fsr-3476	40	2	peter	PERSON
fsr-3476	40	3	2015	DATE
fsr-3476	41	1	tokar asaad	PERSON
fsr-3476	41	2	2015	CARDINAL
fsr-3476	42	1	harrington	PERSON
fsr-3476	42	2	2017	CARDINAL
fsr-3476	46	1	1964	DATE
fsr-3476	50	1	one	CARDINAL
fsr-3476	51	1	claudia goldin’s	PERSON
fsr-3476	51	2	2006	DATE
fsr-3476	51	3	the american economic association	ORG
fsr-3476	55	1	1	CARDINAL
fsr-3476	56	1	2	CARDINAL
fsr-3476	56	2	one	CARDINAL
fsr-3476	57	1	3	CARDINAL
fsr-3476	58	1	3	CARDINAL
fsr-3476	58	2	east carolina university	ORG
fsr-3476	59	1	j. j. beierlein et al	PERSON
fsr-3476	59	2	30	CARDINAL
fsr-3476	59	3	2022	CARDINAL
fsr-3476	60	1	89–105 91	CARDINAL
fsr-3476	62	1	64	CARDINAL
fsr-3476	65	1	appendix	NORP
fsr-3476	66	1	first	ORDINAL
fsr-3476	66	2	11	CARDINAL
fsr-3476	66	3	east carolina	GPE
fsr-3476	67	1	seven	CARDINAL
fsr-3476	68	1	four	CARDINAL
fsr-3476	70	1	one	CARDINAL
fsr-3476	74	1	16	CARDINAL
fsr-3476	76	1	eight	CARDINAL
fsr-3476	78	1	seven	CARDINAL
fsr-3476	78	2	oecd	ORG
fsr-3476	78	3	atkinson & messy	ORG
fsr-3476	78	4	2012).1	CARDINAL
fsr-3476	78	5	two	CARDINAL
fsr-3476	80	1	three	CARDINAL
fsr-3476	81	1	two	CARDINAL
fsr-3476	85	1	194	CARDINAL
fsr-3476	86	1	176	CARDINAL
fsr-3476	87	1	approximately 0.8%	PERCENT
fsr-3476	88	1	1	CARDINAL
fsr-3476	88	2	18 to 23	CARDINAL
fsr-3476	88	3	19.49years	CARDINAL
fsr-3476	89	1	70%	PERCENT
fsr-3476	90	1	twenty-five percent	PERCENT
fsr-3476	90	2	24%	PERCENT
fsr-3476	90	3	31%	PERCENT
fsr-3476	90	4	20%	PERCENT
fsr-3476	91	1	53%	PERCENT
fsr-3476	91	2	92	CARDINAL
fsr-3476	91	3	j. j. beierlein et al	PERSON
fsr-3476	91	4	30	CARDINAL
fsr-3476	91	5	2022	CARDINAL
fsr-3476	92	1	2	CARDINAL
fsr-3476	92	2	asians	NORP
fsr-3476	92	3	hispanics	NORP
fsr-3476	92	4	african americans	NORP
fsr-3476	93	1	2019	CARDINAL
fsr-3476	93	2	u.s.	GPE
fsr-3476	93	3	african americans	NORP
fsr-3476	93	4	asians	NORP
fsr-3476	93	5	hispanics	NORP
fsr-3476	94	1	4.	CARDINAL
fsr-3476	94	2	first	ORDINAL
fsr-3476	95	1	1	CARDINAL
fsr-3476	96	1	max	PERSON
fsr-3476	97	1	1.19	CARDINAL
fsr-3476	97	2	18 23	CARDINAL
fsr-3476	97	3	176	CARDINAL
fsr-3476	97	4	5.70	MONEY
fsr-3476	97	5	7	CARDINAL
fsr-3476	97	6	176	CARDINAL
fsr-3476	97	7	1	CARDINAL
fsr-3476	97	8	1	CARDINAL
fsr-3476	97	9	176	CARDINAL
fsr-3476	97	10	0.17	CARDINAL
fsr-3476	97	11	1	CARDINAL
fsr-3476	98	1	176	CARDINAL
fsr-3476	98	2	0.07 0.00 0.26	QUANTITY
fsr-3476	98	3	1	CARDINAL
fsr-3476	98	4	0.06 0.00 0.23	QUANTITY
fsr-3476	98	5	1	CARDINAL
fsr-3476	98	6	176	CARDINAL
fsr-3476	98	7	0.19 0.00 0.39	QUANTITY
fsr-3476	98	8	1	CARDINAL
fsr-3476	98	9	176	CARDINAL
fsr-3476	98	10	0.18 0.00 0.38	QUANTITY
fsr-3476	98	11	1	CARDINAL
fsr-3476	98	12	0.00 0.45	CARDINAL
fsr-3476	98	13	1	CARDINAL
fsr-3476	98	14	176	CARDINAL
fsr-3476	98	15	0.30 0.00 0.46	QUANTITY
fsr-3476	98	16	1	CARDINAL
fsr-3476	98	17	1	CARDINAL
fsr-3476	98	18	0.07 0.00 0.26	QUANTITY
fsr-3476	98	19	1	CARDINAL
fsr-3476	98	20	1	CARDINAL
fsr-3476	98	21	176	CARDINAL
fsr-3476	98	22	1	CARDINAL
fsr-3476	98	23	0.56 1.00	CARDINAL
fsr-3476	98	24	1	CARDINAL
fsr-3476	98	25	176	CARDINAL
fsr-3476	98	26	0.22 0.00 0.42	QUANTITY
fsr-3476	98	27	1	CARDINAL
fsr-3476	98	28	176	CARDINAL
fsr-3476	98	29	0.79 1.00 0.41	MONEY
fsr-3476	98	30	1	CARDINAL
fsr-3476	98	31	176	CARDINAL
fsr-3476	98	32	0.80 1.00 0.40	MONEY
fsr-3476	98	33	1	CARDINAL
fsr-3476	98	34	1	CARDINAL
fsr-3476	98	35	0	CARDINAL
fsr-3476	98	36	5	CARDINAL
fsr-3476	98	37	176	CARDINAL
fsr-3476	98	38	176	CARDINAL
fsr-3476	98	39	18.75	CARDINAL
fsr-3476	98	40	176	CARDINAL
fsr-3476	98	41	48.30 34.09	CARDINAL
fsr-3476	99	1	176	CARDINAL
fsr-3476	100	1	1	CARDINAL
fsr-3476	100	2	0	CARDINAL
fsr-3476	102	1	0	CARDINAL
fsr-3476	103	1	1	CARDINAL
fsr-3476	105	1	1	CARDINAL
fsr-3476	105	2	0	CARDINAL
fsr-3476	106	1	1	CARDINAL
fsr-3476	106	2	2	CARDINAL
fsr-3476	106	3	3	CARDINAL
fsr-3476	106	4	4	CARDINAL
fsr-3476	107	1	0	CARDINAL
fsr-3476	108	1	1	CARDINAL
fsr-3476	108	2	30,000	MONEY
fsr-3476	108	3	2	CARDINAL
fsr-3476	108	4	30,000-$59,000	MONEY
fsr-3476	108	5	3	CARDINAL
fsr-3476	108	6	60,000$89,000	MONEY
fsr-3476	108	7	4	CARDINAL
fsr-3476	108	8	90,000-$119,000	MONEY
fsr-3476	108	9	5	CARDINAL
fsr-3476	108	10	120,000	MONEY
fsr-3476	109	1	0	CARDINAL
fsr-3476	110	1	1	CARDINAL
fsr-3476	110	2	2	CARDINAL
fsr-3476	112	1	j. j. beierlein et al	PERSON
fsr-3476	112	2	30	CARDINAL
fsr-3476	112	3	2022	CARDINAL
fsr-3476	113	1	89–105 93	CARDINAL
fsr-3476	115	1	0	CARDINAL
fsr-3476	116	1	1	CARDINAL
fsr-3476	116	2	2	CARDINAL
fsr-3476	117	1	two	CARDINAL
fsr-3476	117	2	3	CARDINAL
fsr-3476	118	1	about half	CARDINAL
fsr-3476	118	2	seven	CARDINAL
fsr-3476	118	3	one	CARDINAL
fsr-3476	119	1	less than 1%	PERCENT
fsr-3476	122	1	26%	PERCENT
fsr-3476	122	2	less than 1%	PERCENT
fsr-3476	123	1	3	CARDINAL
fsr-3476	125	1	1 to 5	CARDINAL
fsr-3476	127	1	more than 60%	PERCENT
fsr-3476	130	1	more than 70%	PERCENT
fsr-3476	132	1	2	CARDINAL
fsr-3476	132	2	u.s.	GPE
fsr-3476	132	3	61%	PERCENT
fsr-3476	132	4	70%	PERCENT
fsr-3476	132	5	51%	PERCENT
fsr-3476	132	6	african	NORP
fsr-3476	132	7	14%	PERCENT
fsr-3476	132	8	7%	PERCENT
fsr-3476	132	9	13% asian 3%	PERCENT
fsr-3476	132	10	4%	PERCENT
fsr-3476	132	11	6%	PERCENT
fsr-3476	132	12	2%	PERCENT
fsr-3476	132	13	3%	PERCENT
fsr-3476	132	14	19%	PERCENT
fsr-3476	132	15	80%	PERCENT
fsr-3476	132	16	79%	PERCENT
fsr-3476	132	17	60%	PERCENT
fsr-3476	132	18	9%	PERCENT
fsr-3476	132	19	14%	PERCENT
fsr-3476	135	1	u.s.	GPE
fsr-3476	135	2	july 1, 2019	DATE
fsr-3476	135	3	https://www.census.gov/quickfacts/fact/	ORG
fsr-3476	136	1	94	CARDINAL
fsr-3476	136	2	j. j. beierlein et al	PERSON
fsr-3476	136	3	30	CARDINAL
fsr-3476	136	4	2022	CARDINAL
fsr-3476	137	1	89–105	CARDINAL
fsr-3476	137	2	o rt ed g en d	PERSON
fsr-3476	137	3	al e 1	PERSON
fsr-3476	137	4	al e n	PERSON
fsr-3476	138	1	il ed	PERSON
fsr-3476	140	1	s ta n	PERSON
fsr-3476	142	1	k n	ORG
fsr-3476	143	1	ea	CARDINAL
fsr-3476	146	1	ec	ORG
fsr-3476	146	2	0	CARDINAL
fsr-3476	146	3	4 1 .1 9	DATE
fsr-3476	146	4	2	CARDINAL
fsr-3476	146	5	3	CARDINAL
fsr-3476	146	6	io	LOC
fsr-3476	146	7	0	CARDINAL
fsr-3476	146	8	8	CARDINAL
fsr-3476	146	9	0	CARDINAL
fsr-3476	146	10	3 2	CARDINAL
fsr-3476	147	1	0	CARDINAL
fsr-3476	148	1	8	CARDINAL
fsr-3476	148	2	0	CARDINAL
fsr-3476	148	3	9 8	DATE
fsr-3476	149	1	2	CARDINAL
fsr-3476	149	2	0	CARDINAL
fsr-3476	149	3	6	CARDINAL
fsr-3476	149	4	o	DATE
fsr-3476	150	1	o	DATE
fsr-3476	150	2	0	CARDINAL
fsr-3476	153	1	4	CARDINAL
fsr-3476	153	2	3 5	CARDINAL
fsr-3476	153	3	io	LOC
fsr-3476	154	1	io	LOC
fsr-3476	154	2	0	CARDINAL
fsr-3476	154	3	0	CARDINAL
fsr-3476	154	4	3	CARDINAL
fsr-3476	154	5	6 3	CARDINAL
fsr-3476	154	6	9 8	TIME
fsr-3476	154	7	io	LOC
fsr-3476	154	8	0	CARDINAL
fsr-3476	154	9	1	CARDINAL
fsr-3476	154	10	6	CARDINAL
fsr-3476	154	11	9 6	CARDINAL
fsr-3476	154	12	j. j. beierlein et al	PERSON
fsr-3476	154	13	30	CARDINAL
fsr-3476	154	14	2022	CARDINAL
fsr-3476	155	1	ab le 3	ORG
fsr-3476	156	1	al e 1	PERSON
fsr-3476	156	2	al e n	PERSON
fsr-3476	157	1	il ed	PERSON
fsr-3476	159	1	s ta n	PERSON
fsr-3476	159	2	w	CARDINAL
fsr-3476	159	3	y ar e	FAC
fsr-3476	163	1	ea	CARDINAL
fsr-3476	166	1	6 4	CARDINAL
fsr-3476	167	1	0	CARDINAL
fsr-3476	167	2	6 3	CARDINAL
fsr-3476	168	1	0	CARDINAL
fsr-3476	168	2	6 3	CARDINAL
fsr-3476	169	1	ec	ORG
fsr-3476	169	2	io	LOC
fsr-3476	169	3	2	CARDINAL
fsr-3476	170	1	0	CARDINAL
fsr-3476	170	2	ec	ORG
fsr-3476	170	3	io	LOC
fsr-3476	170	4	n s w	ORG
fsr-3476	170	5	0	CARDINAL
fsr-3476	171	1	1 3	CARDINAL
fsr-3476	171	2	ec	ORG
fsr-3476	171	3	io	LOC
fsr-3476	172	1	2	CARDINAL
fsr-3476	172	2	3	CARDINAL
fsr-3476	172	3	0 1 2 4	QUANTITY
fsr-3476	173	1	2	CARDINAL
fsr-3476	173	2	9 8	DATE
fsr-3476	175	1	0	CARDINAL
fsr-3476	175	2	2	CARDINAL
fsr-3476	175	3	ar k et to o	PERSON
fsr-3476	175	4	0	CARDINAL
fsr-3476	175	5	2	CARDINAL
fsr-3476	176	1	tte st s	PERSON
fsr-3476	176	2	o rt ed	PERSON
fsr-3476	177	1	t h	ORG
fsr-3476	178	1	1 7 6	DATE
fsr-3476	179	1	a su rv ey	PERSON
fsr-3476	179	2	io	LOC
fsr-3476	179	3	e su rv ey	PERSON
fsr-3476	180	1	96	CARDINAL
fsr-3476	180	2	j. j. beierlein et al	PERSON
fsr-3476	180	3	30	CARDINAL
fsr-3476	180	4	2022	CARDINAL
fsr-3476	180	5	89–105	CARDINAL
fsr-3476	180	6	1	CARDINAL
fsr-3476	180	7	0	CARDINAL
fsr-3476	182	1	van rooij et al	PERSON
fsr-3476	183	1	2011	DATE
fsr-3476	183	2	cheng	PERSON
fsr-3476	183	3	lin	PERSON
fsr-3476	183	4	liu	PERSON
fsr-3476	183	5	2011	DATE
fsr-3476	184	1	van rooij et al	PERSON
fsr-3476	186	1	cheng et al	PERSON
fsr-3476	187	1	more than 80%	PERCENT
fsr-3476	188	1	10%	PERCENT
fsr-3476	189	1	only 25%	PERCENT
fsr-3476	189	2	10%	PERCENT
fsr-3476	190	1	20%	PERCENT
fsr-3476	191	1	1%	PERCENT
fsr-3476	193	1	about 50%	PERCENT
fsr-3476	193	2	50%	PERCENT
fsr-3476	193	3	30%	PERCENT
fsr-3476	193	4	20%	PERCENT
fsr-3476	194	1	no more than 20%	PERCENT
fsr-3476	194	2	only about 50%	PERCENT
fsr-3476	195	1	first	ORDINAL
fsr-3476	200	1	first	ORDINAL
fsr-3476	200	2	second	ORDINAL
fsr-3476	202	1	1 to 5	CARDINAL
fsr-3476	202	2	j. j. beierlein et al	PERSON
fsr-3476	202	3	30	CARDINAL
fsr-3476	202	4	2022	CARDINAL
fsr-3476	203	1	89–105 97	DATE
fsr-3476	204	1	1	CARDINAL
fsr-3476	204	2	0	CARDINAL
fsr-3476	205	1	0	CARDINAL
fsr-3476	205	2	1	CARDINAL
fsr-3476	208	1	the school year	DATE
fsr-3476	210	1	1	CARDINAL
fsr-3476	210	2	at least one	CARDINAL
fsr-3476	211	1	1	CARDINAL
fsr-3476	212	1	4	CARDINAL
fsr-3476	212	2	2	CARDINAL
fsr-3476	217	1	first	ORDINAL
fsr-3476	217	2	second	ORDINAL
fsr-3476	218	1	second	ORDINAL
fsr-3476	218	2	10%	PERCENT
fsr-3476	222	1	two	CARDINAL
fsr-3476	223	1	one	CARDINAL
fsr-3476	223	2	98	CARDINAL
fsr-3476	223	3	j. j. beierlein et al	PERSON
fsr-3476	223	4	30	CARDINAL
fsr-3476	223	5	2022	CARDINAL
fsr-3476	226	1	third	ORDINAL
fsr-3476	227	1	5	CARDINAL
fsr-3476	227	2	4	CARDINAL
fsr-3476	228	1	ols	PERSON
fsr-3476	228	2	1.250 0.835	CARDINAL
fsr-3476	228	3	1.497 0.136	CARDINAL
fsr-3476	228	4	0.174	CARDINAL
fsr-3476	228	5	0.118	MONEY
fsr-3476	228	6	0.074	CARDINAL
fsr-3476	228	7	0.029 0.095	CARDINAL
fsr-3476	228	8	0.307 0.759	CARDINAL
fsr-3476	228	9	0.016	CARDINAL
fsr-3476	228	10	0.116 0.115	CARDINAL
fsr-3476	228	11	1.009	CARDINAL
fsr-3476	228	12	0.612 0.114 5.368	MONEY
fsr-3476	228	13	0.059	MONEY
fsr-3476	228	14	0.032	CARDINAL
fsr-3476	228	15	0.616	MONEY
fsr-3476	228	16	r2 0.263	PERSON
fsr-3476	228	17	7.922	CARDINAL
fsr-3476	230	1	0.066 0.092 0.509	MONEY
fsr-3476	230	2	0.475	MONEY
fsr-3476	230	3	0.298 0.387	MONEY
fsr-3476	230	4	0.442	CARDINAL
fsr-3476	230	5	1.976 0.410	CARDINAL
fsr-3476	230	6	0.470 0.200	MONEY
fsr-3476	230	7	0.181	CARDINAL
fsr-3476	230	8	0.732	CARDINAL
fsr-3476	230	9	0.392	MONEY
fsr-3476	230	10	0.775	MONEY
fsr-3476	230	11	snell 0.295 x2	ORG
fsr-3476	231	1	61.411	CARDINAL
fsr-3476	232	1	ols	ORG
fsr-3476	233	1	0	CARDINAL
fsr-3476	234	1	1	CARDINAL
fsr-3476	234	2	2	CARDINAL
fsr-3476	236	1	1	CARDINAL
fsr-3476	237	1	1	CARDINAL
fsr-3476	237	2	the school year	DATE
fsr-3476	237	3	0	CARDINAL
fsr-3476	238	1	0	CARDINAL
fsr-3476	239	1	1	CARDINAL
fsr-3476	239	2	30,000	MONEY
fsr-3476	239	3	2	CARDINAL
fsr-3476	239	4	30,000-$59,000	MONEY
fsr-3476	239	5	3	CARDINAL
fsr-3476	239	6	60,000-$89,000	MONEY
fsr-3476	239	7	4	CARDINAL
fsr-3476	239	8	90,000$119,000	MONEY
fsr-3476	239	9	5	CARDINAL
fsr-3476	239	10	120,000	MONEY
fsr-3476	240	1	1	CARDINAL
fsr-3476	240	2	at least one	CARDINAL
fsr-3476	241	1	0	CARDINAL
fsr-3476	242	1	1	CARDINAL
fsr-3476	244	1	1	CARDINAL
fsr-3476	244	2	5	CARDINAL
fsr-3476	245	1	the same 1 to 5	DATE
fsr-3476	246	1	1	CARDINAL
fsr-3476	246	2	0	CARDINAL
fsr-3476	248	1	1	CARDINAL
fsr-3476	249	1	0	CARDINAL
fsr-3476	250	1	j. j. beierlein et al	PERSON
fsr-3476	250	2	30	CARDINAL
fsr-3476	250	3	2022	CARDINAL
fsr-3476	251	1	89–105 99	CARDINAL
fsr-3476	252	1	at least one	CARDINAL
fsr-3476	253	1	5	CARDINAL
fsr-3476	255	1	ols	PERSON
fsr-3476	255	2	1.047 1.044	CARDINAL
fsr-3476	255	3	1.003 0.318	CARDINAL
fsr-3476	255	4	1.385	MONEY
fsr-3476	255	5	1.020	CARDINAL
fsr-3476	255	6	0.079	CARDINAL
fsr-3476	255	7	0.045 0.068	CARDINAL
fsr-3476	255	8	0.507	MONEY
fsr-3476	255	9	0.109 0.115	QUANTITY
fsr-3476	255	10	0.948 0.345 0.261	MONEY
fsr-3476	255	11	0.025	CARDINAL
fsr-3476	255	12	0.319 0.148	MONEY
fsr-3476	255	13	2.159 0.033	MONEY
fsr-3476	255	14	0.473	CARDINAL
fsr-3476	255	15	0.125 0.066 1.895	MONEY
fsr-3476	255	16	0.024	CARDINAL
fsr-3476	255	17	1.065 0.293	CARDINAL
fsr-3476	255	18	0.369	CARDINAL
fsr-3476	255	19	2.969 0.004	CARDINAL
fsr-3476	255	20	r2 0.208	FAC
fsr-3476	255	21	0.359	MONEY
fsr-3476	255	22	5.030	CARDINAL
fsr-3476	255	23	4.570	MONEY
fsr-3476	257	1	3.493	MONEY
fsr-3476	257	2	0.191	CARDINAL
fsr-3476	257	3	0.386 1.008	MONEY
fsr-3476	257	4	1.403	CARDINAL
fsr-3476	257	5	0.090	CARDINAL
fsr-3476	257	6	0.232	MONEY
fsr-3476	257	7	0.385	CARDINAL
fsr-3476	257	8	1.405	CARDINAL
fsr-3476	257	9	1.536	CARDINAL
fsr-3476	257	10	0.001	CARDINAL
fsr-3476	257	11	0.426 0.223 3.657	MONEY
fsr-3476	257	12	0.616	MONEY
fsr-3476	257	13	0.139 0.237 0.343	MONEY
fsr-3476	257	14	0.656	MONEY
fsr-3476	257	15	0.426 8.210 0.004 0.181	MONEY
fsr-3476	257	16	cox	ORG
fsr-3476	257	17	0.255	CARDINAL
fsr-3476	258	1	30.583 significance 0.000 0.000	QUANTITY
fsr-3476	259	1	ols	ORG
fsr-3476	260	1	0	CARDINAL
fsr-3476	261	1	1	CARDINAL
fsr-3476	261	2	2	CARDINAL
fsr-3476	263	1	1	CARDINAL
fsr-3476	263	2	the school year	DATE
fsr-3476	263	3	0	CARDINAL
fsr-3476	264	1	0	CARDINAL
fsr-3476	265	1	1	CARDINAL
fsr-3476	265	2	30,000	MONEY
fsr-3476	265	3	2	CARDINAL
fsr-3476	265	4	30,000-$59,000	MONEY
fsr-3476	265	5	3	CARDINAL
fsr-3476	265	6	60,000-$89,000	MONEY
fsr-3476	265	7	4	CARDINAL
fsr-3476	265	8	90,000-$119,000	MONEY
fsr-3476	265	9	5	CARDINAL
fsr-3476	265	10	120,000	MONEY
fsr-3476	266	1	1	CARDINAL
fsr-3476	266	2	at least one	CARDINAL
fsr-3476	267	1	0	CARDINAL
fsr-3476	268	1	1	CARDINAL
fsr-3476	270	1	1	CARDINAL
fsr-3476	270	2	5	CARDINAL
fsr-3476	271	1	the same 1 to 5	DATE
fsr-3476	272	1	1	CARDINAL
fsr-3476	272	2	0	CARDINAL
fsr-3476	274	1	1	CARDINAL
fsr-3476	275	1	0	CARDINAL
fsr-3476	275	2	100	CARDINAL
fsr-3476	275	3	j. j. beierlein et al	PERSON
fsr-3476	275	4	30	CARDINAL
fsr-3476	275	5	2022	CARDINAL
fsr-3476	276	1	3 and 5	CARDINAL
fsr-3476	276	2	three	CARDINAL
fsr-3476	283	1	5	CARDINAL
fsr-3476	290	1	at least one	CARDINAL
fsr-3476	291	1	today	DATE
fsr-3476	294	1	18-23	DATE
fsr-3476	297	1	one	CARDINAL
fsr-3476	299	1	j. j. beierlein et al	PERSON
fsr-3476	299	2	30	CARDINAL
fsr-3476	299	3	2022	CARDINAL
fsr-3476	300	1	3	CARDINAL
fsr-3476	301	1	third	ORDINAL
fsr-3476	301	2	two	CARDINAL
fsr-3476	305	1	4	CARDINAL
fsr-3476	305	2	5	CARDINAL
fsr-3476	309	1	one	CARDINAL
fsr-3476	311	1	1	CARDINAL
fsr-3476	311	2	atkinson	PERSON
fsr-3476	311	3	2012	DATE
fsr-3476	311	4	eight	CARDINAL
fsr-3476	313	1	three	CARDINAL
fsr-3476	314	1	2	CARDINAL
fsr-3476	316	1	3	CARDINAL
fsr-3476	317	1	2012	DATE
fsr-3476	318	1	atkinson	GPE
fsr-3476	318	2	a., & messy	ORG
fsr-3476	318	3	f.	PERSON
fsr-3476	318	4	2012	DATE
fsr-3476	319	1	oecd	ORG
fsr-3476	320	1	oecd	ORG
fsr-3476	320	2	15	CARDINAL
fsr-3476	321	1	paris	GPE
fsr-3476	322	1	oecd	ORG
fsr-3476	323	1	102	CARDINAL
fsr-3476	323	2	j. j. beierlein et al	PERSON
fsr-3476	323	3	30	CARDINAL
fsr-3476	323	4	2022	CARDINAL
fsr-3476	324	1	j. j., & neverett	PERSON
fsr-3476	324	2	m. (	PERSON
fsr-3476	324	3	2013	DATE
fsr-3476	326	1	22	CARDINAL
fsr-3476	326	2	151–171	CARDINAL
fsr-3476	327	1	chen, h., & volpe	ORG
fsr-3476	327	2	r. p.	PERSON
fsr-3476	327	3	1998	DATE
fsr-3476	329	1	7	CARDINAL
fsr-3476	329	2	107–128	DATE
fsr-3476	330	1	chen, h., & volpe	ORG
fsr-3476	330	2	r. p.	PERSON
fsr-3476	330	3	2002	DATE
fsr-3476	332	1	11	CARDINAL
fsr-3476	332	2	289–307	CARDINAL
fsr-3476	333	1	cheng	PERSON
fsr-3476	333	2	lin	GPE
fsr-3476	333	3	2011	DATE
fsr-3476	335	1	43(4	DATE
fsr-3476	336	1	goldin	PERSON
fsr-3476	336	2	2006	DATE
fsr-3476	338	1	american	NORP
fsr-3476	338	2	96	CARDINAL
fsr-3476	338	3	1–21	CARDINAL
fsr-3476	339	1	harrington	GPE
fsr-3476	339	2	c., & smith	ORG
fsr-3476	339	3	w.	PERSON
fsr-3476	339	4	2017	CARDINAL
fsr-3476	341	1	ssrn https://ssrn.com/abstract=2782788 lusardi	ORG
fsr-3476	341	2	a., & mitchell	ORG
fsr-3476	341	3	o. s.	PERSON
fsr-3476	341	4	2007	DATE
fsr-3476	343	1	42(january	CARDINAL
fsr-3476	343	2	35–44	CARDINAL
fsr-3476	344	1	https://doi.org/0.2145/20070104 mandell	PERSON
fsr-3476	344	2	2006	DATE
fsr-3476	345	1	2006	DATE
fsr-3476	346	1	washington	GPE
fsr-3476	346	2	dc	GPE
fsr-3476	347	1	mandell	ORG
fsr-3476	347	2	l., & klein	ORG
fsr-3476	347	3	l. s.	PERSON
fsr-3476	347	4	2007	DATE
fsr-3476	349	1	16	CARDINAL
fsr-3476	349	2	105–116	CARDINAL
fsr-3476	350	1	mandell	ORG
fsr-3476	350	2	l., & klein	ORG
fsr-3476	350	3	l. s.	PERSON
fsr-3476	350	4	2009	DATE
fsr-3476	352	1	financial counseling & planning	ORG
fsr-3476	352	2	20	CARDINAL
fsr-3476	352	3	15–24	CARDINAL
fsr-3476	353	1	m.	PERSON
fsr-3476	353	2	2012	DATE
fsr-3476	354	1	ibm	ORG
fsr-3476	354	2	19	CARDINAL
fsr-3476	354	3	chapter 4	LAW
fsr-3476	355	1	nj	ORG
fsr-3476	355	2	pearson	PERSON
fsr-3476	355	3	n., & peter	ORG
fsr-3476	355	4	p. c.	PERSON
fsr-3476	357	1	24	CARDINAL
fsr-3476	357	2	119–137	CARDINAL
fsr-3476	358	1	the national council on economic education	ORG
fsr-3476	359	1	2005	DATE
fsr-3476	360	1	american	NORP
fsr-3476	361	1	mimeo	PERSON
fsr-3476	362	1	tokar asaad	PERSON
fsr-3476	364	1	24	CARDINAL
fsr-3476	364	2	101–117	CARDINAL
fsr-3476	365	1	tzu-chin	PERSON
fsr-3476	365	2	m. p.	PERSON
fsr-3476	365	3	s.	PERSON
fsr-3476	365	4	fox	ORG
fsr-3476	365	5	j. j., & cravener	PERSON
fsr-3476	365	6	2007	DATE
fsr-3476	367	1	28	CARDINAL
fsr-3476	367	2	265–284	CARDINAL
fsr-3476	368	1	van rooij	PERSON
fsr-3476	368	2	m.	PERSON
fsr-3476	368	3	a., & alessie	ORG
fsr-3476	368	4	r. (	PERSON
fsr-3476	368	5	2011	DATE
fsr-3476	370	1	journal of financial economics	ORG
fsr-3476	370	2	101	CARDINAL
fsr-3476	370	3	449–472	CARDINAL
fsr-3476	371	1	volpe	PERSON
fsr-3476	371	2	r. p.	PERSON
fsr-3476	371	3	chen, h., & pavlicko	ORG
fsr-3476	371	4	j. j. (	PERSON
fsr-3476	371	5	1996	DATE
fsr-3476	373	1	6	CARDINAL
fsr-3476	373	2	v. h.	PERSON
fsr-3476	374	1	1964).work	ORDINAL
fsr-3476	375	1	new york	GPE
fsr-3476	375	2	ny	GPE
fsr-3476	375	3	john wiley &	ORG
fsr-3476	376	1	xiao	PERSON
fsr-3476	376	2	j. j.	PERSON
fsr-3476	376	3	j., & shim	ORG
fsr-3476	376	4	s.	PERSON
fsr-3476	376	5	2010	DATE
fsr-3476	378	1	2010	DATE
fsr-3476	380	1	appendix appendix	PERSON
fsr-3476	383	1	1	CARDINAL
fsr-3476	384	1	2	CARDINAL
fsr-3476	384	2	east carolina university	ORG
fsr-3476	387	1	allied health sciences	ORG
fsr-3476	387	2	4	CARDINAL
fsr-3476	389	1	5	CARDINAL
fsr-3476	391	1	j. j. beierlein et al	PERSON
fsr-3476	391	2	30	CARDINAL
fsr-3476	391	3	2022	CARDINAL
fsr-3476	392	1	89–105	CARDINAL
fsr-3476	395	1	asian	NORP
fsr-3476	395	2	african american	NORP
fsr-3476	395	3	hispanic	NORP
fsr-3476	395	4	8	CARDINAL
fsr-3476	398	1	9	CARDINAL
fsr-3476	399	1	less than $30,000	MONEY
fsr-3476	399	2	30,000	MONEY
fsr-3476	399	3	59,999	MONEY
fsr-3476	399	4	60,000	MONEY
fsr-3476	399	5	89,999	MONEY
fsr-3476	399	6	90,000	MONEY
fsr-3476	399	7	119,999	MONEY
fsr-3476	399	8	120,000	MONEY
fsr-3476	400	1	10	CARDINAL
fsr-3476	401	1	one	CARDINAL
fsr-3476	402	1	11	CARDINAL
fsr-3476	402	2	english	LANGUAGE
fsr-3476	404	1	1904	DATE
fsr-3476	406	1	1904	DATE
fsr-3476	410	1	15	CARDINAL
fsr-3476	412	1	16	CARDINAL
fsr-3476	414	1	17	CARDINAL
fsr-3476	416	1	18	CARDINAL
fsr-3476	419	1	19	CARDINAL
fsr-3476	420	1	1904	DATE
fsr-3476	426	1	22	CARDINAL
fsr-3476	432	1	no 25	DATE
fsr-3476	435	1	26	CARDINAL
fsr-3476	437	1	27	CARDINAL
fsr-3476	439	1	28	CARDINAL
fsr-3476	442	1	29	CARDINAL
fsr-3476	444	1	2	CARDINAL
fsr-3476	444	2	3	DATE
fsr-3476	444	3	4	DATE
fsr-3476	444	4	5	DATE
fsr-3476	445	1	30	CARDINAL
fsr-3476	447	1	2	CARDINAL
fsr-3476	447	2	3	DATE
fsr-3476	447	3	4	DATE
fsr-3476	447	4	5	DATE
fsr-3476	448	1	31	CARDINAL
fsr-3476	450	1	2	CARDINAL
fsr-3476	450	2	3	DATE
fsr-3476	450	3	4	DATE
fsr-3476	450	4	5	DATE
fsr-3476	451	1	32	CARDINAL
fsr-3476	453	1	2	CARDINAL
fsr-3476	453	2	3	DATE
fsr-3476	453	3	4	DATE
fsr-3476	453	4	5	DATE
fsr-3476	454	1	33	CARDINAL
fsr-3476	456	1	2	CARDINAL
fsr-3476	456	2	3	DATE
fsr-3476	456	3	4	DATE
fsr-3476	456	4	5	DATE
fsr-3476	457	1	34	CARDINAL
fsr-3476	459	1	2	CARDINAL
fsr-3476	459	2	3	DATE
fsr-3476	459	3	4	DATE
fsr-3476	459	4	5	DATE
fsr-3476	460	1	35	CARDINAL
fsr-3476	462	1	2	CARDINAL
fsr-3476	462	2	3	DATE
fsr-3476	462	3	4	DATE
fsr-3476	462	4	5	DATE
fsr-3476	463	1	36	CARDINAL
fsr-3476	465	1	2	CARDINAL
fsr-3476	465	2	3	DATE
fsr-3476	465	3	4	DATE
fsr-3476	465	4	5	DATE
fsr-3476	466	1	37	CARDINAL
fsr-3476	468	1	2	CARDINAL
fsr-3476	468	2	3	DATE
fsr-3476	468	3	4	DATE
fsr-3476	468	4	5	DATE
fsr-3476	469	1	38	CARDINAL
fsr-3476	471	1	2	CARDINAL
fsr-3476	471	2	3	DATE
fsr-3476	471	3	4	DATE
fsr-3476	471	4	5	DATE
fsr-3476	472	1	j. j. beierlein et al	PERSON
fsr-3476	472	2	30	CARDINAL
fsr-3476	472	3	2022	CARDINAL
fsr-3476	473	1	89–105 39	DATE
fsr-3476	475	1	2	CARDINAL
fsr-3476	475	2	3	DATE
fsr-3476	475	3	4	DATE
fsr-3476	475	4	5	DATE
fsr-3476	476	1	40	CARDINAL
fsr-3476	478	1	2	CARDINAL
fsr-3476	478	2	3	DATE
fsr-3476	478	3	4	DATE
fsr-3476	478	4	5	DATE
fsr-3476	479	1	41	CARDINAL
fsr-3476	481	1	2	CARDINAL
fsr-3476	481	2	3	DATE
fsr-3476	481	3	4	DATE
fsr-3476	481	4	5	DATE
fsr-3476	482	1	42	CARDINAL
fsr-3476	484	1	2	CARDINAL
fsr-3476	484	2	3	DATE
fsr-3476	484	3	4	DATE
fsr-3476	484	4	5	DATE
fsr-3476	485	1	43	CARDINAL
fsr-3476	487	1	2	CARDINAL
fsr-3476	487	2	3	DATE
fsr-3476	487	3	4	DATE
fsr-3476	487	4	5	DATE
fsr-3476	488	1	44	CARDINAL
fsr-3476	490	1	2	CARDINAL
fsr-3476	490	2	3	DATE
fsr-3476	490	3	4	DATE
fsr-3476	490	4	5	DATE
fsr-3476	491	1	45	CARDINAL
fsr-3476	494	1	46	CARDINAL
fsr-3476	500	1	no 49	DATE
fsr-3476	501	1	529	CARDINAL
fsr-3476	509	1	529	CARDINAL
fsr-3476	516	1	55	CARDINAL
fsr-3476	516	2	five	CARDINAL
fsr-3476	516	3	1,000	MONEY
fsr-3476	518	1	100	CARDINAL
fsr-3476	518	2	200	CARDINAL
fsr-3476	518	3	250	CARDINAL
fsr-3476	519	1	56	CARDINAL
fsr-3476	519	2	one year	DATE
fsr-3476	519	3	1,000	MONEY
fsr-3476	519	4	3%	PERCENT
fsr-3476	520	1	one year’s	DATE
fsr-3476	520	2	today	DATE
fsr-3476	520	3	today	DATE
fsr-3476	520	4	today	DATE
fsr-3476	521	1	57	CARDINAL
fsr-3476	522	1	25	MONEY
fsr-3476	522	2	one evening	TIME
fsr-3476	522	3	25	MONEY
fsr-3476	522	4	the next day	DATE
fsr-3476	524	1	100%	PERCENT
fsr-3476	524	2	50%	PERCENT
fsr-3476	524	3	0%	PERCENT
fsr-3476	525	1	58	CARDINAL
fsr-3476	525	2	100	MONEY
fsr-3476	525	3	2%	PERCENT
fsr-3476	527	1	the end of the first year	DATE
fsr-3476	528	1	98	CARDINAL
fsr-3476	528	2	100	CARDINAL
fsr-3476	528	3	102	CARDINAL
fsr-3476	529	1	59	CARDINAL
fsr-3476	532	1	60	CARDINAL
fsr-3476	534	1	61	CARDINAL
fsr-3476	537	1	62	CARDINAL
fsr-3476	539	1	2	CARDINAL
fsr-3476	539	2	3	DATE
fsr-3476	539	3	4	DATE
fsr-3476	539	4	5	DATE
fsr-3476	540	1	63	CARDINAL
fsr-3476	542	1	2	CARDINAL
fsr-3476	542	2	3	DATE
fsr-3476	542	3	4	DATE
fsr-3476	542	4	5	DATE
fsr-3476	543	1	64	CARDINAL
fsr-3476	545	1	j. j. beierlein et al	PERSON
fsr-3476	545	2	30	CARDINAL
fsr-3476	545	3	2022	CARDINAL
fsr-3476	546	1	89–105 105	CARDINAL