id	sid	tid	token	lemma	pos
fsr-3159	1	1	finser_30_4_merged_updated_3	finser_30_4_merged_updated_3	VERB
fsr-3159	1	2	financial	financial	ADJ
fsr-3159	1	3	services	service	NOUN
fsr-3159	1	4	review	review	VERB
fsr-3159	1	5	30	30	NUM
fsr-3159	1	6	(	(	PUNCT
fsr-3159	1	7	2022	2022	NUM
fsr-3159	1	8	)	)	PUNCT
fsr-3159	1	9	v	v	NOUN
fsr-3159	1	10	from	from	ADP
fsr-3159	1	11	the	the	DET
fsr-3159	1	12	editor	editor	NOUN
fsr-3159	1	13	dear	dear	ADJ
fsr-3159	1	14	esteemed	esteemed	ADJ
fsr-3159	1	15	readers	reader	NOUN
fsr-3159	1	16	,	,	PUNCT
fsr-3159	1	17	in	in	ADP
fsr-3159	1	18	this	this	DET
fsr-3159	1	19	edition	edition	NOUN
fsr-3159	1	20	of	of	ADP
fsr-3159	1	21	the	the	DET
fsr-3159	1	22	financial	financial	ADJ
fsr-3159	1	23	services	service	NOUN
fsr-3159	1	24	review	review	NOUN
fsr-3159	1	25	(	(	PUNCT
fsr-3159	1	26	volume	volume	NOUN
fsr-3159	1	27	30	30	NUM
fsr-3159	1	28	issue	issue	NOUN
fsr-3159	1	29	4	4	NUM
fsr-3159	1	30	)	)	PUNCT
fsr-3159	1	31	,	,	PUNCT
fsr-3159	1	32	we	we	PRON
fsr-3159	1	33	present	present	VERB
fsr-3159	1	34	five	five	NUM
fsr-3159	1	35	impactful	impactful	ADJ
fsr-3159	1	36	papers	paper	NOUN
fsr-3159	1	37	,	,	PUNCT
fsr-3159	1	38	each	each	PRON
fsr-3159	1	39	contributing	contribute	VERB
fsr-3159	1	40	unique	unique	ADJ
fsr-3159	1	41	insights	insight	NOUN
fsr-3159	1	42	into	into	ADP
fsr-3159	1	43	various	various	ADJ
fsr-3159	1	44	financial	financial	ADJ
fsr-3159	1	45	issues	issue	NOUN
fsr-3159	1	46	.	.	PUNCT
fsr-3159	2	1	james	james	PROPN
fsr-3159	2	2	a.	a.	PROPN
fsr-3159	2	3	dilellio	dilellio	PROPN
fsr-3159	2	4	and	and	CCONJ
fsr-3159	2	5	andreas	andreas	PROPN
fsr-3159	2	6	simon	simon	PROPN
fsr-3159	2	7	,	,	PUNCT
fsr-3159	2	8	in	in	ADP
fsr-3159	2	9	their	their	PRON
fsr-3159	2	10	paper	paper	NOUN
fsr-3159	2	11	“	"	PUNCT
fsr-3159	2	12	seeking	seek	VERB
fsr-3159	2	13	tax	tax	NOUN
fsr-3159	2	14	alpha	alpha	NOUN
fsr-3159	2	15	in	in	ADP
fsr-3159	2	16	retirement	retirement	NOUN
fsr-3159	2	17	income	income	NOUN
fsr-3159	2	18	,	,	PUNCT
fsr-3159	2	19	”	"	PUNCT
fsr-3159	2	20	offer	offer	VERB
fsr-3159	2	21	a	a	DET
fsr-3159	2	22	pioneering	pioneer	VERB
fsr-3159	2	23	framework	framework	NOUN
fsr-3159	2	24	for	for	ADP
fsr-3159	2	25	optimizing	optimize	VERB
fsr-3159	2	26	tax	tax	NOUN
fsr-3159	2	27	efficiency	efficiency	NOUN
fsr-3159	2	28	in	in	ADP
fsr-3159	2	29	retirement	retirement	NOUN
fsr-3159	2	30	income	income	NOUN
fsr-3159	2	31	.	.	PUNCT
fsr-3159	3	1	by	by	ADP
fsr-3159	3	2	classifying	classify	VERB
fsr-3159	3	3	retirees	retiree	NOUN
fsr-3159	3	4	based	base	VERB
fsr-3159	3	5	on	on	ADP
fsr-3159	3	6	their	their	PRON
fsr-3159	3	7	financial	financial	ADJ
fsr-3159	3	8	circumstances	circumstance	NOUN
fsr-3159	3	9	,	,	PUNCT
fsr-3159	3	10	they	they	PRON
fsr-3159	3	11	uncover	uncover	VERB
fsr-3159	3	12	a	a	DET
fsr-3159	3	13	new	new	ADJ
fsr-3159	3	14	aspect	aspect	NOUN
fsr-3159	3	15	of	of	ADP
fsr-3159	3	16	retire	retire	NOUN
fsr-3159	3	17	ment	ment	ADJ
fsr-3159	3	18	income	income	NOUN
fsr-3159	3	19	strategy	strategy	NOUN
fsr-3159	3	20	—	—	PUNCT
fsr-3159	3	21	tax	tax	NOUN
fsr-3159	3	22	alpha	alpha	NOUN
fsr-3159	3	23	,	,	PUNCT
fsr-3159	3	24	which	which	PRON
fsr-3159	3	25	can	can	AUX
fsr-3159	3	26	add	add	VERB
fsr-3159	3	27	a	a	DET
fsr-3159	3	28	0.5	0.5	NUM
fsr-3159	3	29	%	%	NOUN
fsr-3159	3	30	annual	annual	ADJ
fsr-3159	3	31	return	return	NOUN
fsr-3159	3	32	benefit	benefit	NOUN
fsr-3159	3	33	.	.	PUNCT
fsr-3159	4	1	they	they	PRON
fsr-3159	4	2	also	also	ADV
fsr-3159	4	3	sug	sug	AUX
fsr-3159	4	4	gest	gest	VERB
fsr-3159	4	5	ways	way	NOUN
fsr-3159	4	6	for	for	SCONJ
fsr-3159	4	7	institutions	institution	NOUN
fsr-3159	4	8	and	and	CCONJ
fsr-3159	4	9	fintech	fintech	NOUN
fsr-3159	4	10	firms	firm	NOUN
fsr-3159	4	11	to	to	PART
fsr-3159	4	12	enhance	enhance	VERB
fsr-3159	4	13	their	their	PRON
fsr-3159	4	14	financial	financial	ADJ
fsr-3159	4	15	planning	planning	NOUN
fsr-3159	4	16	tools	tool	NOUN
fsr-3159	4	17	.	.	PUNCT
fsr-3159	5	1	turning	turn	VERB
fsr-3159	5	2	our	our	PRON
fsr-3159	5	3	focus	focus	NOUN
fsr-3159	5	4	to	to	ADP
fsr-3159	5	5	the	the	DET
fsr-3159	5	6	factors	factor	NOUN
fsr-3159	5	7	influencing	influence	VERB
fsr-3159	5	8	retirement	retirement	NOUN
fsr-3159	5	9	savings	saving	NOUN
fsr-3159	5	10	,	,	PUNCT
fsr-3159	5	11	brian	brian	PROPN
fsr-3159	5	12	t.	t.	PROPN
fsr-3159	5	13	starr	starr	PROPN
fsr-3159	5	14	’s	’s	PART
fsr-3159	5	15	“	"	PUNCT
fsr-3159	5	16	the	the	DET
fsr-3159	5	17	effects	effect	NOUN
fsr-3159	5	18	of	of	ADP
fsr-3159	5	19	health	health	NOUN
fsr-3159	5	20	,	,	PUNCT
fsr-3159	5	21	family	family	NOUN
fsr-3159	5	22	,	,	PUNCT
fsr-3159	5	23	and	and	CCONJ
fsr-3159	5	24	altruism	altruism	NOUN
fsr-3159	5	25	on	on	ADP
fsr-3159	5	26	retirement	retirement	NOUN
fsr-3159	5	27	savings	saving	NOUN
fsr-3159	5	28	”	"	PUNCT
fsr-3159	5	29	illuminates	illuminate	VERB
fsr-3159	5	30	the	the	DET
fsr-3159	5	31	influence	influence	NOUN
fsr-3159	5	32	of	of	ADP
fsr-3159	5	33	health	health	NOUN
fsr-3159	5	34	,	,	PUNCT
fsr-3159	5	35	children	child	NOUN
fsr-3159	5	36	,	,	PUNCT
fsr-3159	5	37	altruism	altruism	NOUN
fsr-3159	5	38	,	,	PUNCT
fsr-3159	5	39	and	and	CCONJ
fsr-3159	5	40	family	family	NOUN
fsr-3159	5	41	attributes	attribute	VERB
fsr-3159	5	42	.	.	PUNCT
fsr-3159	6	1	this	this	PRON
fsr-3159	6	2	expanded	expand	VERB
fsr-3159	6	3	understanding	understanding	NOUN
fsr-3159	6	4	of	of	ADP
fsr-3159	6	5	retirement	retirement	NOUN
fsr-3159	6	6	savings	saving	NOUN
fsr-3159	6	7	dynamics	dynamic	NOUN
fsr-3159	6	8	highlights	highlight	VERB
fsr-3159	6	9	the	the	DET
fsr-3159	6	10	impact	impact	NOUN
fsr-3159	6	11	of	of	ADP
fsr-3159	6	12	children	child	NOUN
fsr-3159	6	13	and	and	CCONJ
fsr-3159	6	14	health	health	NOUN
fsr-3159	6	15	issues	issue	NOUN
fsr-3159	6	16	on	on	ADP
fsr-3159	6	17	savings	saving	NOUN
fsr-3159	6	18	behaviors	behavior	NOUN
fsr-3159	6	19	.	.	PUNCT
fsr-3159	7	1	next	next	ADV
fsr-3159	7	2	,	,	PUNCT
fsr-3159	7	3	“	"	PUNCT
fsr-3159	7	4	financial	financial	ADJ
fsr-3159	7	5	capability	capability	NOUN
fsr-3159	7	6	across	across	ADP
fsr-3159	7	7	generations	generation	NOUN
fsr-3159	7	8	and	and	CCONJ
fsr-3159	7	9	technology	technology	NOUN
fsr-3159	7	10	”	"	PUNCT
fsr-3159	7	11	by	by	ADP
fsr-3159	7	12	abeba	abeba	PROPN
fsr-3159	7	13	mussa	mussa	PROPN
fsr-3159	7	14	,	,	PUNCT
fsr-3159	7	15	meeghan	meeghan	ADJ
fsr-3159	7	16	rogers	roger	NOUN
fsr-3159	7	17	,	,	PUNCT
fsr-3159	7	18	and	and	CCONJ
fsr-3159	7	19	xu	xu	PROPN
fsr-3159	7	20	zhang	zhang	PROPN
fsr-3159	7	21	deeply	deeply	ADV
fsr-3159	7	22	dives	dive	VERB
fsr-3159	7	23	into	into	ADP
fsr-3159	7	24	the	the	DET
fsr-3159	7	25	relationship	relationship	NOUN
fsr-3159	7	26	between	between	ADP
fsr-3159	7	27	technology	technology	NOUN
fsr-3159	7	28	sav	sav	PROPN
fsr-3159	7	29	viness	viness	ADJ
fsr-3159	7	30	and	and	CCONJ
fsr-3159	7	31	financial	financial	ADJ
fsr-3159	7	32	behavior	behavior	NOUN
fsr-3159	7	33	.	.	PUNCT
fsr-3159	8	1	using	use	VERB
fsr-3159	8	2	data	datum	NOUN
fsr-3159	8	3	from	from	ADP
fsr-3159	8	4	the	the	DET
fsr-3159	8	5	2018	2018	NUM
fsr-3159	8	6	national	national	ADJ
fsr-3159	8	7	financial	financial	ADJ
fsr-3159	8	8	capability	capability	NOUN
fsr-3159	8	9	study	study	NOUN
fsr-3159	8	10	,	,	PUNCT
fsr-3159	8	11	their	their	PRON
fsr-3159	8	12	research	research	NOUN
fsr-3159	8	13	identifies	identify	VERB
fsr-3159	8	14	a	a	DET
fsr-3159	8	15	generational	generational	ADJ
fsr-3159	8	16	disparity	disparity	NOUN
fsr-3159	8	17	in	in	ADP
fsr-3159	8	18	financial	financial	ADJ
fsr-3159	8	19	behavior	behavior	NOUN
fsr-3159	8	20	influenced	influence	VERB
fsr-3159	8	21	by	by	ADP
fsr-3159	8	22	technology	technology	NOUN
fsr-3159	8	23	.	.	PUNCT
fsr-3159	9	1	tsung	tsung	PROPN
fsr-3159	9	2	-	-	PUNCT
fsr-3159	9	3	ming	ming	PROPN
fsr-3159	9	4	yeh	yeh	PROPN
fsr-3159	9	5	’s	’s	PART
fsr-3159	9	6	study	study	NOUN
fsr-3159	9	7	titled	title	VERB
fsr-3159	9	8	“	"	PUNCT
fsr-3159	9	9	financial	financial	ADJ
fsr-3159	9	10	teaching	teaching	NOUN
fsr-3159	9	11	by	by	ADP
fsr-3159	9	12	parents	parent	NOUN
fsr-3159	9	13	and	and	CCONJ
fsr-3159	9	14	financial	financial	ADJ
fsr-3159	9	15	education	education	NOUN
fsr-3159	9	16	at	at	ADP
fsr-3159	9	17	school	school	NOUN
fsr-3159	9	18	or	or	CCONJ
fsr-3159	9	19	workplace	workplace	NOUN
fsr-3159	9	20	:	:	PUNCT
fsr-3159	9	21	evidence	evidence	NOUN
fsr-3159	9	22	from	from	ADP
fsr-3159	9	23	japan	japan	PROPN
fsr-3159	9	24	”	"	PUNCT
fsr-3159	9	25	delineates	delineate	VERB
fsr-3159	9	26	the	the	DET
fsr-3159	9	27	differential	differential	ADJ
fsr-3159	9	28	roles	role	NOUN
fsr-3159	9	29	of	of	ADP
fsr-3159	9	30	financial	financial	ADJ
fsr-3159	9	31	socialization	socialization	NOUN
fsr-3159	9	32	and	and	CCONJ
fsr-3159	9	33	formal	formal	ADJ
fsr-3159	9	34	financial	financial	ADJ
fsr-3159	9	35	education	education	NOUN
fsr-3159	9	36	.	.	PUNCT
fsr-3159	10	1	his	his	PRON
fsr-3159	10	2	findings	finding	NOUN
fsr-3159	10	3	underscore	underscore	VERB
fsr-3159	10	4	the	the	DET
fsr-3159	10	5	importance	importance	NOUN
fsr-3159	10	6	of	of	ADP
fsr-3159	10	7	com	com	NOUN
fsr-3159	10	8	prehensive	prehensive	ADJ
fsr-3159	10	9	financial	financial	ADJ
fsr-3159	10	10	experience	experience	NOUN
fsr-3159	10	11	and	and	CCONJ
fsr-3159	10	12	education	education	NOUN
fsr-3159	10	13	at	at	ADP
fsr-3159	10	14	various	various	ADJ
fsr-3159	10	15	stages	stage	NOUN
fsr-3159	10	16	of	of	ADP
fsr-3159	10	17	life	life	NOUN
fsr-3159	10	18	.	.	PUNCT
fsr-3159	11	1	finally	finally	ADV
fsr-3159	11	2	,	,	PUNCT
fsr-3159	11	3	c.	c.	PROPN
fsr-3159	11	4	w.	w.	PROPN
fsr-3159	11	5	copeland	copeland	PROPN
fsr-3159	11	6	,	,	PUNCT
fsr-3159	11	7	john	john	PROPN
fsr-3159	11	8	h.	h.	PROPN
fsr-3159	11	9	young	young	PROPN
fsr-3159	11	10	,	,	PUNCT
fsr-3159	11	11	and	and	CCONJ
fsr-3159	11	12	crystal	crystal	PROPN
fsr-3159	11	13	r.	r.	PROPN
fsr-3159	11	14	hudson	hudson	PROPN
fsr-3159	11	15	critically	critically	ADV
fsr-3159	11	16	examine	examine	VERB
fsr-3159	11	17	african	african	PROPN
fsr-3159	11	18	-	-	PUNCT
fsr-3159	11	19	americans	americans	PROPN
fsr-3159	11	20	’	'	PUNCT
fsr-3159	11	21	financial	financial	ADJ
fsr-3159	11	22	well	well	NOUN
fsr-3159	11	23	-	-	PUNCT
fsr-3159	11	24	being	being	NOUN
fsr-3159	11	25	in	in	ADP
fsr-3159	11	26	their	their	PRON
fsr-3159	11	27	paper	paper	NOUN
fsr-3159	11	28	,	,	PUNCT
fsr-3159	11	29	“	"	PUNCT
fsr-3159	11	30	exploring	explore	VERB
fsr-3159	11	31	differences	difference	NOUN
fsr-3159	11	32	in	in	ADP
fsr-3159	11	33	african	african	ADJ
fsr-3159	11	34	americans	americans	PROPN
fsr-3159	11	35	’	’	PART
fsr-3159	11	36	financial	financial	ADJ
fsr-3159	11	37	well	well	ADV
fsr-3159	11	38	-	-	PUNCT
fsr-3159	11	39	being	be	AUX
fsr-3159	11	40	based	base	VERB
fsr-3159	11	41	on	on	ADP
fsr-3159	11	42	financial	financial	ADJ
fsr-3159	11	43	security	security	NOUN
fsr-3159	11	44	factors	factor	NOUN
fsr-3159	11	45	.	.	PUNCT
fsr-3159	11	46	”	"	PUNCT
fsr-3159	12	1	through	through	ADP
fsr-3159	12	2	examining	examine	VERB
fsr-3159	12	3	homeownership	homeownership	NOUN
fsr-3159	12	4	and	and	CCONJ
fsr-3159	12	5	employment	employment	NOUN
fsr-3159	12	6	—	—	PUNCT
fsr-3159	12	7	two	two	NUM
fsr-3159	12	8	crucial	crucial	ADJ
fsr-3159	12	9	variables	variable	NOUN
fsr-3159	12	10	historically	historically	ADV
fsr-3159	12	11	influenced	influence	VERB
fsr-3159	12	12	by	by	ADP
fsr-3159	12	13	racism	racism	NOUN
fsr-3159	12	14	—	—	PUNCT
fsr-3159	12	15	their	their	PRON
fsr-3159	12	16	research	research	NOUN
fsr-3159	12	17	provides	provide	VERB
fsr-3159	12	18	a	a	DET
fsr-3159	12	19	nuanced	nuanced	ADJ
fsr-3159	12	20	understanding	understanding	NOUN
fsr-3159	12	21	of	of	ADP
fsr-3159	12	22	the	the	DET
fsr-3159	12	23	financial	financial	ADJ
fsr-3159	12	24	challenges	challenge	NOUN
fsr-3159	12	25	faced	face	VERB
fsr-3159	12	26	by	by	ADP
fsr-3159	12	27	middle	middle	ADJ
fsr-3159	12	28	income	income	NOUN
fsr-3159	12	29	african	african	ADJ
fsr-3159	12	30	americans	americans	PROPN
fsr-3159	12	31	.	.	PUNCT
fsr-3159	13	1	each	each	PRON
fsr-3159	13	2	of	of	ADP
fsr-3159	13	3	these	these	DET
fsr-3159	13	4	research	research	NOUN
fsr-3159	13	5	papers	paper	NOUN
fsr-3159	13	6	adds	add	VERB
fsr-3159	13	7	significantly	significantly	ADV
fsr-3159	13	8	to	to	ADP
fsr-3159	13	9	our	our	PRON
fsr-3159	13	10	understanding	understanding	NOUN
fsr-3159	13	11	of	of	ADP
fsr-3159	13	12	various	various	ADJ
fsr-3159	13	13	aspects	aspect	NOUN
fsr-3159	13	14	of	of	ADP
fsr-3159	13	15	financial	financial	ADJ
fsr-3159	13	16	behavior	behavior	NOUN
fsr-3159	13	17	,	,	PUNCT
fsr-3159	13	18	and	and	CCONJ
fsr-3159	13	19	we	we	PRON
fsr-3159	13	20	hope	hope	VERB
fsr-3159	13	21	they	they	PRON
fsr-3159	13	22	will	will	AUX
fsr-3159	13	23	benefit	benefit	VERB
fsr-3159	13	24	our	our	PRON
fsr-3159	13	25	readers	reader	NOUN
fsr-3159	13	26	.	.	PUNCT
fsr-3159	14	1	yours	yours	PRON
fsr-3159	14	2	sincerely	sincerely	ADV
fsr-3159	14	3	,	,	PUNCT
fsr-3159	14	4	terrance	terrance	PROPN
fsr-3159	14	5	k.	k.	PROPN
fsr-3159	14	6	martin	martin	PROPN
fsr-3159	14	7	jr	jr	PROPN
fsr-3159	14	8	.	.	PROPN
fsr-3159	14	9	editor	editor	PROPN
fsr-3159	14	10	financial	financial	PROPN
fsr-3159	14	11	services	services	PROPN
fsr-3159	14	12	review	review	VERB
fsr-3159	14	13	1057	1057	NUM
fsr-3159	14	14	-	-	SYM
fsr-3159	14	15	0810/22/$	0810/22/$	NUM
fsr-3159	14	16	–	–	PUNCT
fsr-3159	14	17	see	see	VERB
fsr-3159	14	18	front	front	ADJ
fsr-3159	14	19	matter	matter	NOUN
fsr-3159	14	20	©	©	PROPN
fsr-3159	14	21	2022	2022	NUM
fsr-3159	14	22	academy	academy	NOUN
fsr-3159	14	23	of	of	ADP
fsr-3159	14	24	financial	financial	ADJ
fsr-3159	14	25	services	service	NOUN
fsr-3159	14	26	.	.	PUNCT
fsr-3159	15	1	all	all	DET
fsr-3159	15	2	rights	right	NOUN
fsr-3159	15	3	reserved	reserve	VERB
fsr-3159	15	4	.	.	PUNCT