id	sid	tid	token	lemma	pos
fsr-3193	1	1	exploring	explore	VERB
fsr-3193	1	2	financial	financial	ADJ
fsr-3193	1	3	behaviors	behavior	NOUN
fsr-3193	1	4	of	of	ADP
fsr-3193	1	5	military	military	ADJ
fsr-3193	1	6	households	household	NOUN
fsr-3193	1	7	:	:	PUNCT
fsr-3193	1	8	do	do	VERB
fsr-3193	1	9	financial	financial	ADJ
fsr-3193	1	10	knowledge	knowledge	NOUN
fsr-3193	1	11	and	and	CCONJ
fsr-3193	1	12	financial	financial	ADJ
fsr-3193	1	13	education	education	NOUN
fsr-3193	1	14	matter	matter	NOUN
fsr-3193	1	15	?	?	PUNCT
fsr-3193	2	1	melissa	melissa	PROPN
fsr-3193	2	2	j.	j.	PROPN
fsr-3193	2	3	wilmartha	wilmartha	PROPN
fsr-3193	2	4	,	,	PUNCT
fsr-3193	2	5	kyoung	kyoung	PROPN
fsr-3193	2	6	tae	tae	PROPN
fsr-3193	2	7	kimb	kimb	PROPN
fsr-3193	2	8	,	,	PUNCT
fsr-3193	2	9	*	*	PROPN
fsr-3193	2	10	,	,	PUNCT
fsr-3193	2	11	robin	robin	PROPN
fsr-3193	2	12	henagerc	henagerc	PROPN
fsr-3193	2	13	adepartment	adepartment	PROPN
fsr-3193	2	14	of	of	ADP
fsr-3193	2	15	consumer	consumer	NOUN
fsr-3193	2	16	sciences	science	NOUN
fsr-3193	2	17	,	,	PUNCT
fsr-3193	2	18	university	university	NOUN
fsr-3193	2	19	of	of	ADP
fsr-3193	2	20	alabama	alabama	PROPN
fsr-3193	2	21	,	,	PUNCT
fsr-3193	2	22	316	316	NUM
fsr-3193	2	23	-	-	PUNCT
fsr-3193	2	24	a	a	DET
fsr-3193	2	25	adams	adams	PROPN
fsr-3193	2	26	hall	hall	PROPN
fsr-3193	2	27	,	,	PUNCT
fsr-3193	2	28	box	box	PROPN
fsr-3193	2	29	870158	870158	NUM
fsr-3193	2	30	,	,	PUNCT
fsr-3193	2	31	tuscaloosa	tuscaloosa	PROPN
fsr-3193	2	32	,	,	PUNCT
fsr-3193	2	33	al	al	PROPN
fsr-3193	2	34	35487	35487	NUM
fsr-3193	2	35	,	,	PUNCT
fsr-3193	2	36	usa	usa	PROPN
fsr-3193	2	37	bdepartment	bdepartment	PROPN
fsr-3193	2	38	of	of	ADP
fsr-3193	2	39	consumer	consumer	NOUN
fsr-3193	2	40	sciences	science	NOUN
fsr-3193	2	41	,	,	PUNCT
fsr-3193	2	42	university	university	NOUN
fsr-3193	2	43	of	of	ADP
fsr-3193	2	44	alabama	alabama	PROPN
fsr-3193	2	45	,	,	PUNCT
fsr-3193	2	46	316	316	NUM
fsr-3193	2	47	-	-	SYM
fsr-3193	2	48	c	c	NOUN
fsr-3193	2	49	adams	adams	PROPN
fsr-3193	2	50	hall	hall	PROPN
fsr-3193	2	51	,	,	PUNCT
fsr-3193	2	52	box	box	PROPN
fsr-3193	2	53	870158	870158	NUM
fsr-3193	2	54	,	,	PUNCT
fsr-3193	2	55	tuscaloosa	tuscaloosa	PROPN
fsr-3193	2	56	,	,	PUNCT
fsr-3193	2	57	al	al	PROPN
fsr-3193	2	58	35487	35487	NUM
fsr-3193	2	59	,	,	PUNCT
fsr-3193	2	60	usa	usa	PROPN
fsr-3193	2	61	cschool	cschool	NOUN
fsr-3193	2	62	of	of	ADP
fsr-3193	2	63	business	business	NOUN
fsr-3193	2	64	,	,	PUNCT
fsr-3193	2	65	whitworth	whitworth	PROPN
fsr-3193	2	66	university	university	PROPN
fsr-3193	2	67	,	,	PUNCT
fsr-3193	2	68	300	300	NUM
fsr-3193	2	69	w.	w.	PROPN
fsr-3193	2	70	hawhorne	hawhorne	PROPN
fsr-3193	2	71	road	road	PROPN
fsr-3193	2	72	,	,	PUNCT
fsr-3193	2	73	spokane	spokane	PROPN
fsr-3193	2	74	,	,	PUNCT
fsr-3193	2	75	wa	wa	NOUN
fsr-3193	2	76	99251	99251	NUM
fsr-3193	2	77	,	,	PUNCT
fsr-3193	2	78	usa	usa	PROPN
fsr-3193	2	79	abstract	abstract	PROPN
fsr-3193	2	80	this	this	DET
fsr-3193	2	81	study	study	NOUN
fsr-3193	2	82	explores	explore	VERB
fsr-3193	2	83	short	short	ADJ
fsr-3193	2	84	-	-	PUNCT
fsr-3193	2	85	term	term	NOUN
fsr-3193	2	86	and	and	CCONJ
fsr-3193	2	87	long	long	ADJ
fsr-3193	2	88	-	-	PUNCT
fsr-3193	2	89	term	term	NOUN
fsr-3193	2	90	financial	financial	ADJ
fsr-3193	2	91	behaviors	behavior	NOUN
fsr-3193	2	92	of	of	ADP
fsr-3193	2	93	military	military	ADJ
fsr-3193	2	94	and	and	CCONJ
fsr-3193	2	95	civilian	civilian	ADJ
fsr-3193	2	96	households	household	NOUN
fsr-3193	2	97	in	in	ADP
fsr-3193	2	98	the	the	DET
fsr-3193	2	99	united	united	PROPN
fsr-3193	2	100	states	states	PROPN
fsr-3193	2	101	.	.	PUNCT
fsr-3193	3	1	we	we	PRON
fsr-3193	3	2	investigate	investigate	VERB
fsr-3193	3	3	the	the	DET
fsr-3193	3	4	role	role	NOUN
fsr-3193	3	5	of	of	ADP
fsr-3193	3	6	financial	financial	ADJ
fsr-3193	3	7	knowledge	knowledge	NOUN
fsr-3193	3	8	and	and	CCONJ
fsr-3193	3	9	financial	financial	ADJ
fsr-3193	3	10	education	education	NOUN
fsr-3193	3	11	on	on	ADP
fsr-3193	3	12	financial	financial	ADJ
fsr-3193	3	13	behaviors	behavior	NOUN
fsr-3193	3	14	.	.	PUNCT
fsr-3193	4	1	using	use	VERB
fsr-3193	4	2	the	the	DET
fsr-3193	4	3	2018	2018	NUM
fsr-3193	4	4	national	national	ADJ
fsr-3193	4	5	financial	financial	ADJ
fsr-3193	4	6	capability	capability	NOUN
fsr-3193	4	7	study	study	NOUN
fsr-3193	4	8	(	(	PUNCT
fsr-3193	4	9	nfcs	nfc	NOUN
fsr-3193	4	10	)	)	PUNCT
fsr-3193	4	11	,	,	PUNCT
fsr-3193	4	12	results	result	NOUN
fsr-3193	4	13	indicated	indicate	VERB
fsr-3193	4	14	military	military	ADJ
fsr-3193	4	15	households	household	NOUN
fsr-3193	4	16	had	have	VERB
fsr-3193	4	17	higher	high	ADJ
fsr-3193	4	18	financial	financial	ADJ
fsr-3193	4	19	knowledge	knowledge	NOUN
fsr-3193	4	20	scores	score	NOUN
fsr-3193	4	21	,	,	PUNCT
fsr-3193	4	22	greater	great	ADJ
fsr-3193	4	23	receipt	receipt	NOUN
fsr-3193	4	24	of	of	ADP
fsr-3193	4	25	financial	financial	ADJ
fsr-3193	4	26	education	education	NOUN
fsr-3193	4	27	,	,	PUNCT
fsr-3193	4	28	and	and	CCONJ
fsr-3193	4	29	higher	high	ADJ
fsr-3193	4	30	financial	financial	ADJ
fsr-3193	4	31	behaviors	behavior	NOUN
fsr-3193	4	32	.	.	PUNCT
fsr-3193	5	1	multivariate	multivariate	NOUN
fsr-3193	5	2	analyses	analysis	NOUN
fsr-3193	5	3	show	show	VERB
fsr-3193	5	4	that	that	SCONJ
fsr-3193	5	5	objective	objective	ADJ
fsr-3193	5	6	and	and	CCONJ
fsr-3193	5	7	subjective	subjective	ADJ
fsr-3193	5	8	financial	financial	ADJ
fsr-3193	5	9	knowledge	knowledge	NOUN
fsr-3193	5	10	were	be	AUX
fsr-3193	5	11	associated	associate	VERB
fsr-3193	5	12	positively	positively	ADV
fsr-3193	5	13	with	with	ADP
fsr-3193	5	14	short	short	ADJ
fsr-3193	5	15	-	-	PUNCT
fsr-3193	5	16	term	term	NOUN
fsr-3193	5	17	and	and	CCONJ
fsr-3193	5	18	long	long	ADJ
fsr-3193	5	19	-	-	PUNCT
fsr-3193	5	20	term	term	NOUN
fsr-3193	5	21	financial	financial	ADJ
fsr-3193	5	22	behaviors	behavior	NOUN
fsr-3193	5	23	of	of	ADP
fsr-3193	5	24	military	military	ADJ
fsr-3193	5	25	and	and	CCONJ
fsr-3193	5	26	civilian	civilian	ADJ
fsr-3193	5	27	households	household	NOUN
fsr-3193	5	28	.	.	PUNCT
fsr-3193	6	1	experiencing	experience	VERB
fsr-3193	6	2	financial	financial	ADJ
fsr-3193	6	3	education	education	NOUN
fsr-3193	6	4	was	be	AUX
fsr-3193	6	5	positively	positively	ADV
fsr-3193	6	6	associated	associate	VERB
fsr-3193	6	7	with	with	ADP
fsr-3193	6	8	the	the	DET
fsr-3193	6	9	longterm	longterm	ADJ
fsr-3193	6	10	behaviors	behavior	NOUN
fsr-3193	6	11	of	of	ADP
fsr-3193	6	12	military	military	ADJ
fsr-3193	6	13	households	household	NOUN
fsr-3193	6	14	.	.	PUNCT
fsr-3193	7	1	this	this	DET
fsr-3193	7	2	study	study	NOUN
fsr-3193	7	3	provides	provide	VERB
fsr-3193	7	4	insights	insight	NOUN
fsr-3193	7	5	for	for	ADP
fsr-3193	7	6	policymakers	policymaker	NOUN
fsr-3193	7	7	and	and	CCONJ
fsr-3193	7	8	financial	financial	ADJ
fsr-3193	7	9	practitioners	practitioner	NOUN
fsr-3193	7	10	.	.	PUNCT
fsr-3193	8	1	©	©	PROPN
fsr-3193	8	2	2023	2023	NUM
fsr-3193	8	3	academy	academy	NOUN
fsr-3193	8	4	of	of	ADP
fsr-3193	8	5	financial	financial	ADJ
fsr-3193	8	6	services	service	NOUN
fsr-3193	8	7	.	.	PUNCT
fsr-3193	9	1	all	all	DET
fsr-3193	9	2	rights	right	NOUN
fsr-3193	9	3	reserved	reserve	VERB
fsr-3193	9	4	.	.	PUNCT
fsr-3193	10	1	jel	jel	PROPN
fsr-3193	10	2	classifications	classification	NOUN
fsr-3193	10	3	:	:	PUNCT
fsr-3193	10	4	g510	g510	PROPN
fsr-3193	10	5	;	;	PUNCT
fsr-3193	10	6	g530	g530	PROPN
fsr-3193	10	7	keywords	keyword	NOUN
fsr-3193	10	8	:	:	PUNCT
fsr-3193	10	9	financial	financial	ADJ
fsr-3193	10	10	education	education	NOUN
fsr-3193	10	11	;	;	PUNCT
fsr-3193	10	12	financial	financial	ADJ
fsr-3193	10	13	knowledge	knowledge	NOUN
fsr-3193	10	14	;	;	PUNCT
fsr-3193	10	15	financial	financial	ADJ
fsr-3193	10	16	behaviors	behavior	NOUN
fsr-3193	10	17	;	;	PUNCT
fsr-3193	10	18	military	military	ADJ
fsr-3193	10	19	households	household	NOUN
fsr-3193	10	20	;	;	PUNCT
fsr-3193	10	21	national	national	ADJ
fsr-3193	10	22	financial	financial	ADJ
fsr-3193	10	23	capability	capability	NOUN
fsr-3193	10	24	study	study	NOUN
fsr-3193	10	25	1	1	NUM
fsr-3193	10	26	.	.	PUNCT
fsr-3193	10	27	introduction	introduction	NOUN
fsr-3193	10	28	despite	despite	SCONJ
fsr-3193	10	29	the	the	DET
fsr-3193	10	30	attention	attention	NOUN
fsr-3193	10	31	of	of	ADP
fsr-3193	10	32	both	both	CCONJ
fsr-3193	10	33	the	the	DET
fsr-3193	10	34	popular	popular	ADJ
fsr-3193	10	35	press	press	NOUN
fsr-3193	10	36	and	and	CCONJ
fsr-3193	10	37	the	the	DET
fsr-3193	10	38	government	government	NOUN
fsr-3193	10	39	on	on	ADP
fsr-3193	10	40	the	the	DET
fsr-3193	10	41	topic	topic	NOUN
fsr-3193	10	42	of	of	ADP
fsr-3193	10	43	finances	finance	NOUN
fsr-3193	10	44	in	in	ADP
fsr-3193	10	45	military	military	ADJ
fsr-3193	10	46	households	household	NOUN
fsr-3193	10	47	,	,	PUNCT
fsr-3193	10	48	there	there	PRON
fsr-3193	10	49	is	be	VERB
fsr-3193	10	50	still	still	ADV
fsr-3193	10	51	limited	limit	VERB
fsr-3193	10	52	empirical	empirical	ADJ
fsr-3193	10	53	research	research	NOUN
fsr-3193	10	54	in	in	ADP
fsr-3193	10	55	this	this	DET
fsr-3193	10	56	area	area	NOUN
fsr-3193	10	57	(	(	PUNCT
fsr-3193	10	58	carlson	carlson	PROPN
fsr-3193	10	59	et	et	PROPN
fsr-3193	10	60	al	al	PROPN
fsr-3193	10	61	.	.	PROPN
fsr-3193	10	62	,	,	PUNCT
fsr-3193	10	63	*	*	PUNCT
fsr-3193	10	64	corresponding	correspond	VERB
fsr-3193	10	65	author	author	NOUN
fsr-3193	10	66	:	:	PUNCT
fsr-3193	10	67	tel	tel	PROPN
fsr-3193	10	68	.	.	PUNCT
fsr-3193	10	69	:	:	PUNCT
fsr-3193	11	1	+1	+1	ADJ
fsr-3193	11	2	-	-	PUNCT
fsr-3193	11	3	205	205	NUM
fsr-3193	11	4	-	-	PUNCT
fsr-3193	11	5	348	348	NUM
fsr-3193	11	6	-	-	PUNCT
fsr-3193	11	7	9167	9167	NUM
fsr-3193	11	8	,	,	PUNCT
fsr-3193	11	9	fax	fax	NOUN
fsr-3193	11	10	:	:	PUNCT
fsr-3193	11	11	+1	+1	PROPN
fsr-3193	11	12	-	-	PUNCT
fsr-3193	11	13	205	205	NUM
fsr-3193	11	14	-	-	PUNCT
fsr-3193	11	15	348	348	NUM
fsr-3193	11	16	-	-	PUNCT
fsr-3193	11	17	8721	8721	NUM
fsr-3193	11	18	.	.	PUNCT
fsr-3193	12	1	e	e	X
fsr-3193	12	2	-	-	NOUN
fsr-3193	12	3	mail	mail	NOUN
fsr-3193	12	4	address	address	NOUN
fsr-3193	12	5	:	:	PUNCT
fsr-3193	12	6	ktkim@ches.ua.edu	ktkim@ches.ua.edu	VERB
fsr-3193	12	7	1057	1057	NUM
fsr-3193	12	8	-	-	SYM
fsr-3193	12	9	0810/23/$	0810/23/$	NUM
fsr-3193	12	10	–	–	PUNCT
fsr-3193	12	11	see	see	VERB
fsr-3193	12	12	front	front	ADJ
fsr-3193	12	13	matter	matter	NOUN
fsr-3193	12	14	©	©	PROPN
fsr-3193	12	15	2023	2023	NUM
fsr-3193	12	16	academy	academy	NOUN
fsr-3193	12	17	of	of	ADP
fsr-3193	12	18	financial	financial	ADJ
fsr-3193	12	19	services	service	NOUN
fsr-3193	12	20	.	.	PUNCT
fsr-3193	13	1	all	all	DET
fsr-3193	13	2	rights	right	NOUN
fsr-3193	13	3	reserved	reserve	VERB
fsr-3193	13	4	.	.	PUNCT
fsr-3193	14	1	financial	financial	ADJ
fsr-3193	14	2	services	service	NOUN
fsr-3193	14	3	review	review	VERB
fsr-3193	14	4	31	31	NUM
fsr-3193	14	5	(	(	PUNCT
fsr-3193	14	6	2023	2023	NUM
fsr-3193	14	7	)	)	PUNCT
fsr-3193	14	8	35–54	35–54	NUM
fsr-3193	14	9	2015	2015	NUM
fsr-3193	14	10	;	;	PUNCT
fsr-3193	14	11	skimmyhorn	skimmyhorn	NUM
fsr-3193	14	12	,	,	PUNCT
fsr-3193	14	13	2016a	2016a	NUM
fsr-3193	14	14	)	)	PUNCT
fsr-3193	14	15	.	.	PUNCT
fsr-3193	15	1	developing	develop	VERB
fsr-3193	15	2	a	a	DET
fsr-3193	15	3	better	well	ADJ
fsr-3193	15	4	understanding	understanding	NOUN
fsr-3193	15	5	of	of	ADP
fsr-3193	15	6	the	the	DET
fsr-3193	15	7	financial	financial	ADJ
fsr-3193	15	8	behaviors	behavior	NOUN
fsr-3193	15	9	of	of	ADP
fsr-3193	15	10	military	military	ADJ
fsr-3193	15	11	households	household	NOUN
fsr-3193	15	12	is	be	AUX
fsr-3193	15	13	an	an	DET
fsr-3193	15	14	important	important	ADJ
fsr-3193	15	15	topic	topic	NOUN
fsr-3193	15	16	as	as	SCONJ
fsr-3193	15	17	it	it	PRON
fsr-3193	15	18	may	may	AUX
fsr-3193	15	19	facilitate	facilitate	VERB
fsr-3193	15	20	ways	way	NOUN
fsr-3193	15	21	to	to	PART
fsr-3193	15	22	help	help	VERB
fsr-3193	15	23	military	military	ADJ
fsr-3193	15	24	personnel	personnel	NOUN
fsr-3193	15	25	reduce	reduce	VERB
fsr-3193	15	26	stress	stress	NOUN
fsr-3193	15	27	and	and	CCONJ
fsr-3193	15	28	strain	strain	NOUN
fsr-3193	15	29	(	(	PUNCT
fsr-3193	15	30	luther	luther	PROPN
fsr-3193	15	31	et	et	PROPN
fsr-3193	15	32	al	al	PROPN
fsr-3193	15	33	.	.	PROPN
fsr-3193	15	34	,	,	PUNCT
fsr-3193	15	35	1998	1998	NUM
fsr-3193	15	36	)	)	PUNCT
fsr-3193	15	37	.	.	PUNCT
fsr-3193	16	1	commonly	commonly	ADV
fsr-3193	16	2	reported	report	VERB
fsr-3193	16	3	among	among	ADP
fsr-3193	16	4	all	all	DET
fsr-3193	16	5	types	type	NOUN
fsr-3193	16	6	of	of	ADP
fsr-3193	16	7	american	american	ADJ
fsr-3193	16	8	households	household	NOUN
fsr-3193	16	9	is	be	AUX
fsr-3193	16	10	that	that	DET
fsr-3193	16	11	money	money	NOUN
fsr-3193	16	12	,	,	PUNCT
fsr-3193	16	13	work	work	NOUN
fsr-3193	16	14	,	,	PUNCT
fsr-3193	16	15	and	and	CCONJ
fsr-3193	16	16	the	the	DET
fsr-3193	16	17	economy	economy	NOUN
fsr-3193	16	18	are	be	AUX
fsr-3193	16	19	very	very	ADV
fsr-3193	16	20	or	or	CCONJ
fsr-3193	16	21	somewhat	somewhat	ADV
fsr-3193	16	22	significant	significant	ADJ
fsr-3193	16	23	sources	source	NOUN
fsr-3193	16	24	of	of	ADP
fsr-3193	16	25	stress	stress	NOUN
fsr-3193	16	26	in	in	ADP
fsr-3193	16	27	their	their	PRON
fsr-3193	16	28	lives	life	NOUN
fsr-3193	16	29	(	(	PUNCT
fsr-3193	16	30	american	american	ADJ
fsr-3193	16	31	psychological	psychological	PROPN
fsr-3193	16	32	association	association	PROPN
fsr-3193	16	33	,	,	PUNCT
fsr-3193	16	34	2017	2017	NUM
fsr-3193	16	35	)	)	PUNCT
fsr-3193	16	36	.	.	PUNCT
fsr-3193	17	1	given	give	VERB
fsr-3193	17	2	the	the	DET
fsr-3193	17	3	great	great	ADJ
fsr-3193	17	4	recession	recession	NOUN
fsr-3193	17	5	,	,	PUNCT
fsr-3193	17	6	housing	housing	NOUN
fsr-3193	17	7	market	market	NOUN
fsr-3193	17	8	struggles	struggle	NOUN
fsr-3193	17	9	,	,	PUNCT
fsr-3193	17	10	the	the	DET
fsr-3193	17	11	complexity	complexity	NOUN
fsr-3193	17	12	of	of	ADP
fsr-3193	17	13	financial	financial	ADJ
fsr-3193	17	14	products	product	NOUN
fsr-3193	17	15	,	,	PUNCT
fsr-3193	17	16	as	as	ADV
fsr-3193	17	17	well	well	ADV
fsr-3193	17	18	as	as	ADP
fsr-3193	17	19	the	the	DET
fsr-3193	17	20	economic	economic	ADJ
fsr-3193	17	21	impact	impact	NOUN
fsr-3193	17	22	of	of	ADP
fsr-3193	17	23	the	the	DET
fsr-3193	17	24	covid-19	covid-19	PROPN
fsr-3193	17	25	pandemic	pandemic	NOUN
fsr-3193	17	26	,	,	PUNCT
fsr-3193	17	27	it	it	PRON
fsr-3193	17	28	is	be	AUX
fsr-3193	17	29	important	important	ADJ
fsr-3193	17	30	to	to	PART
fsr-3193	17	31	consider	consider	VERB
fsr-3193	17	32	ways	way	NOUN
fsr-3193	17	33	to	to	PART
fsr-3193	17	34	improve	improve	VERB
fsr-3193	17	35	the	the	DET
fsr-3193	17	36	financial	financial	ADJ
fsr-3193	17	37	well	well	NOUN
fsr-3193	17	38	-	-	PUNCT
fsr-3193	17	39	being	being	NOUN
fsr-3193	17	40	of	of	ADP
fsr-3193	17	41	americans	americans	PROPN
fsr-3193	17	42	,	,	PUNCT
fsr-3193	17	43	especially	especially	ADV
fsr-3193	17	44	our	our	PRON
fsr-3193	17	45	military	military	ADJ
fsr-3193	17	46	households	household	NOUN
fsr-3193	17	47	,	,	PUNCT
fsr-3193	17	48	now	now	ADV
fsr-3193	17	49	and	and	CCONJ
fsr-3193	17	50	into	into	ADP
fsr-3193	17	51	the	the	DET
fsr-3193	17	52	future	future	NOUN
fsr-3193	17	53	.	.	PUNCT
fsr-3193	18	1	financial	financial	ADJ
fsr-3193	18	2	behaviors	behavior	NOUN
fsr-3193	18	3	,	,	PUNCT
fsr-3193	18	4	including	include	VERB
fsr-3193	18	5	financial	financial	ADJ
fsr-3193	18	6	management	management	NOUN
fsr-3193	18	7	,	,	PUNCT
fsr-3193	18	8	savings	saving	NOUN
fsr-3193	18	9	behavior	behavior	NOUN
fsr-3193	18	10	,	,	PUNCT
fsr-3193	18	11	and	and	CCONJ
fsr-3193	18	12	investments	investment	NOUN
fsr-3193	18	13	have	have	AUX
fsr-3193	18	14	been	be	AUX
fsr-3193	18	15	analyzed	analyze	VERB
fsr-3193	18	16	for	for	ADP
fsr-3193	18	17	the	the	DET
fsr-3193	18	18	general	general	ADJ
fsr-3193	18	19	(	(	PUNCT
fsr-3193	18	20	civilian	civilian	ADJ
fsr-3193	18	21	)	)	PUNCT
fsr-3193	18	22	population	population	NOUN
fsr-3193	18	23	(	(	PUNCT
fsr-3193	18	24	e.g.	e.g.	ADV
fsr-3193	18	25	,	,	PUNCT
fsr-3193	18	26	henager	henager	NOUN
fsr-3193	18	27	&	&	CCONJ
fsr-3193	18	28	cude	cude	ADJ
fsr-3193	18	29	,	,	PUNCT
fsr-3193	18	30	2016	2016	NUM
fsr-3193	18	31	;	;	PUNCT
fsr-3193	18	32	xiao	xiao	PROPN
fsr-3193	18	33	,	,	PUNCT
fsr-3193	18	34	2008	2008	NUM
fsr-3193	18	35	)	)	PUNCT
fsr-3193	18	36	.	.	PUNCT
fsr-3193	19	1	additionally	additionally	ADV
fsr-3193	19	2	,	,	PUNCT
fsr-3193	19	3	specific	specific	ADJ
fsr-3193	19	4	sub	sub	NOUN
fsr-3193	19	5	populations	population	NOUN
fsr-3193	19	6	have	have	AUX
fsr-3193	19	7	been	be	AUX
fsr-3193	19	8	investigated	investigate	VERB
fsr-3193	19	9	including	include	VERB
fsr-3193	19	10	the	the	DET
fsr-3193	19	11	collegeaged	collegeage	VERB
fsr-3193	19	12	population	population	NOUN
fsr-3193	19	13	and	and	CCONJ
fsr-3193	19	14	millennials	millennial	NOUN
fsr-3193	19	15	(	(	PUNCT
fsr-3193	19	16	e.g.	e.g.	ADV
fsr-3193	19	17	,	,	PUNCT
fsr-3193	19	18	henry	henry	PROPN
fsr-3193	19	19	et	et	PROPN
fsr-3193	19	20	al	al	PROPN
fsr-3193	19	21	.	.	PROPN
fsr-3193	19	22	,	,	PUNCT
fsr-3193	19	23	2001	2001	NUM
fsr-3193	19	24	;	;	PUNCT
fsr-3193	19	25	kim	kim	PROPN
fsr-3193	19	26	et	et	PROPN
fsr-3193	19	27	al	al	PROPN
fsr-3193	19	28	.	.	PROPN
fsr-3193	19	29	,	,	PUNCT
fsr-3193	19	30	2019	2019	NUM
fsr-3193	19	31	;	;	PUNCT
fsr-3193	19	32	lee	lee	PROPN
fsr-3193	19	33	&	&	CCONJ
fsr-3193	19	34	kim	kim	PROPN
fsr-3193	19	35	,	,	PUNCT
fsr-3193	19	36	2020	2020	NUM
fsr-3193	19	37	)	)	PUNCT
fsr-3193	19	38	.	.	PUNCT
fsr-3193	20	1	unfortunately	unfortunately	ADV
fsr-3193	20	2	,	,	PUNCT
fsr-3193	20	3	less	less	ADV
fsr-3193	20	4	is	be	AUX
fsr-3193	20	5	known	know	VERB
fsr-3193	20	6	about	about	ADP
fsr-3193	20	7	the	the	DET
fsr-3193	20	8	military	military	ADJ
fsr-3193	20	9	population	population	NOUN
fsr-3193	20	10	,	,	PUNCT
fsr-3193	20	11	as	as	SCONJ
fsr-3193	20	12	the	the	DET
fsr-3193	20	13	limited	limited	ADJ
fsr-3193	20	14	research	research	NOUN
fsr-3193	20	15	has	have	AUX
fsr-3193	20	16	focused	focus	VERB
fsr-3193	20	17	on	on	ADP
fsr-3193	20	18	descriptive	descriptive	ADJ
fsr-3193	20	19	analyses	analysis	NOUN
fsr-3193	20	20	rather	rather	ADV
fsr-3193	20	21	than	than	ADP
fsr-3193	20	22	multivariate	multivariate	VERB
fsr-3193	20	23	analyses	analysis	NOUN
fsr-3193	20	24	.	.	PUNCT
fsr-3193	21	1	research	research	NOUN
fsr-3193	21	2	from	from	ADP
fsr-3193	21	3	the	the	DET
fsr-3193	21	4	military	military	NOUN
fsr-3193	21	5	has	have	AUX
fsr-3193	21	6	identified	identify	VERB
fsr-3193	21	7	that	that	SCONJ
fsr-3193	21	8	financial	financial	ADJ
fsr-3193	21	9	management	management	NOUN
fsr-3193	21	10	skills	skill	NOUN
fsr-3193	21	11	and	and	CCONJ
fsr-3193	21	12	well	well	ADV
fsr-3193	21	13	-	-	PUNCT
fsr-3193	21	14	being	being	NOUN
fsr-3193	21	15	are	be	AUX
fsr-3193	21	16	positively	positively	ADV
fsr-3193	21	17	affected	affect	VERB
fsr-3193	21	18	by	by	ADP
fsr-3193	21	19	financial	financial	ADJ
fsr-3193	21	20	knowledge	knowledge	NOUN
fsr-3193	21	21	(	(	PUNCT
fsr-3193	21	22	bell	bell	NOUN
fsr-3193	21	23	et	et	PROPN
fsr-3193	21	24	al	al	PROPN
fsr-3193	21	25	.	.	PROPN
fsr-3193	21	26	,	,	PUNCT
fsr-3193	21	27	2014	2014	NUM
fsr-3193	21	28	,	,	PUNCT
fsr-3193	21	29	2009	2009	NUM
fsr-3193	21	30	)	)	PUNCT
fsr-3193	21	31	.	.	PUNCT
fsr-3193	22	1	further	far	ADV
fsr-3193	22	2	,	,	PUNCT
fsr-3193	22	3	younger	young	ADJ
fsr-3193	22	4	members	member	NOUN
fsr-3193	22	5	of	of	ADP
fsr-3193	22	6	the	the	DET
fsr-3193	22	7	military	military	NOUN
fsr-3193	22	8	had	have	VERB
fsr-3193	22	9	greater	great	ADJ
fsr-3193	22	10	financial	financial	ADJ
fsr-3193	22	11	security	security	NOUN
fsr-3193	22	12	than	than	ADP
fsr-3193	22	13	their	their	PRON
fsr-3193	22	14	civilian	civilian	ADJ
fsr-3193	22	15	counterparts	counterpart	NOUN
fsr-3193	22	16	(	(	PUNCT
fsr-3193	22	17	finra	finra	PROPN
fsr-3193	22	18	ief	ief	PROPN
fsr-3193	22	19	,	,	PUNCT
fsr-3193	22	20	2016	2016	NUM
fsr-3193	22	21	)	)	PUNCT
fsr-3193	22	22	.	.	PUNCT
fsr-3193	23	1	carlson	carlson	PROPN
fsr-3193	23	2	and	and	CCONJ
fsr-3193	23	3	colleagues	colleague	NOUN
fsr-3193	23	4	(	(	PUNCT
fsr-3193	23	5	2015	2015	NUM
fsr-3193	23	6	)	)	PUNCT
fsr-3193	23	7	found	find	VERB
fsr-3193	23	8	that	that	SCONJ
fsr-3193	23	9	financial	financial	ADJ
fsr-3193	23	10	behaviors	behavior	NOUN
fsr-3193	23	11	were	be	AUX
fsr-3193	23	12	positively	positively	ADV
fsr-3193	23	13	impacted	impact	VERB
fsr-3193	23	14	by	by	ADP
fsr-3193	23	15	high	high	ADJ
fsr-3193	23	16	levels	level	NOUN
fsr-3193	23	17	of	of	ADP
fsr-3193	23	18	financial	financial	ADJ
fsr-3193	23	19	knowledge	knowledge	NOUN
fsr-3193	23	20	(	(	PUNCT
fsr-3193	23	21	subjective	subjective	ADJ
fsr-3193	23	22	)	)	PUNCT
fsr-3193	23	23	,	,	PUNCT
fsr-3193	23	24	high	high	ADJ
fsr-3193	23	25	self	self	NOUN
fsr-3193	23	26	-	-	PUNCT
fsr-3193	23	27	mastery	mastery	NOUN
fsr-3193	23	28	,	,	PUNCT
fsr-3193	23	29	and	and	CCONJ
fsr-3193	23	30	lower	low	ADJ
fsr-3193	23	31	levels	level	NOUN
fsr-3193	23	32	of	of	ADP
fsr-3193	23	33	financial	financial	ADJ
fsr-3193	23	34	anxiety	anxiety	NOUN
fsr-3193	23	35	for	for	ADP
fsr-3193	23	36	military	military	ADJ
fsr-3193	23	37	members	member	NOUN
fsr-3193	23	38	.	.	PUNCT
fsr-3193	24	1	additionally	additionally	ADV
fsr-3193	24	2	,	,	PUNCT
fsr-3193	24	3	they	they	PRON
fsr-3193	24	4	found	find	VERB
fsr-3193	24	5	that	that	SCONJ
fsr-3193	24	6	soldiers	soldier	NOUN
fsr-3193	24	7	with	with	ADP
fsr-3193	24	8	emergency	emergency	NOUN
fsr-3193	24	9	savings	saving	NOUN
fsr-3193	24	10	had	have	VERB
fsr-3193	24	11	better	well	ADJ
fsr-3193	24	12	financial	financial	ADJ
fsr-3193	24	13	behaviors	behavior	NOUN
fsr-3193	24	14	than	than	ADP
fsr-3193	24	15	those	those	PRON
fsr-3193	24	16	without	without	ADP
fsr-3193	24	17	emergency	emergency	NOUN
fsr-3193	24	18	savings	saving	NOUN
fsr-3193	24	19	,	,	PUNCT
fsr-3193	24	20	while	while	SCONJ
fsr-3193	24	21	soldiers	soldier	NOUN
fsr-3193	24	22	with	with	ADP
fsr-3193	24	23	credit	credit	NOUN
fsr-3193	24	24	card	card	NOUN
fsr-3193	24	25	debt	debt	NOUN
fsr-3193	24	26	had	have	VERB
fsr-3193	24	27	worse	bad	ADJ
fsr-3193	24	28	financial	financial	ADJ
fsr-3193	24	29	behaviors	behavior	NOUN
fsr-3193	24	30	than	than	ADP
fsr-3193	24	31	those	those	PRON
fsr-3193	24	32	without	without	ADP
fsr-3193	24	33	credit	credit	NOUN
fsr-3193	24	34	card	card	NOUN
fsr-3193	24	35	debt	debt	NOUN
fsr-3193	24	36	.	.	PUNCT
fsr-3193	25	1	this	this	DET
fsr-3193	25	2	study	study	NOUN
fsr-3193	25	3	is	be	AUX
fsr-3193	25	4	aimed	aim	VERB
fsr-3193	25	5	to	to	PART
fsr-3193	25	6	explore	explore	VERB
fsr-3193	25	7	financial	financial	ADJ
fsr-3193	25	8	behaviors	behavior	NOUN
fsr-3193	25	9	of	of	ADP
fsr-3193	25	10	military	military	ADJ
fsr-3193	25	11	households	household	NOUN
fsr-3193	25	12	in	in	ADP
fsr-3193	25	13	the	the	DET
fsr-3193	25	14	united	united	PROPN
fsr-3193	25	15	states	states	PROPN
fsr-3193	25	16	in	in	ADP
fsr-3193	25	17	two	two	NUM
fsr-3193	25	18	ways	way	NOUN
fsr-3193	25	19	;	;	PUNCT
fsr-3193	25	20	short	short	ADJ
fsr-3193	25	21	-	-	PUNCT
fsr-3193	25	22	term	term	NOUN
fsr-3193	25	23	and	and	CCONJ
fsr-3193	25	24	long	long	ADJ
fsr-3193	25	25	-	-	PUNCT
fsr-3193	25	26	term	term	NOUN
fsr-3193	25	27	financial	financial	ADJ
fsr-3193	25	28	behaviors	behavior	NOUN
fsr-3193	25	29	.	.	PUNCT
fsr-3193	26	1	the	the	DET
fsr-3193	26	2	focus	focus	NOUN
fsr-3193	26	3	for	for	ADP
fsr-3193	26	4	short	short	ADJ
fsr-3193	26	5	-	-	PUNCT
fsr-3193	26	6	term	term	NOUN
fsr-3193	26	7	behaviors	behavior	NOUN
fsr-3193	26	8	is	be	AUX
fsr-3193	26	9	emergency	emergency	NOUN
fsr-3193	26	10	savings	saving	NOUN
fsr-3193	26	11	,	,	PUNCT
fsr-3193	26	12	spending	spend	VERB
fsr-3193	26	13	within	within	ADP
fsr-3193	26	14	one	one	NUM
fsr-3193	26	15	’s	’s	PART
fsr-3193	26	16	limits	limit	NOUN
fsr-3193	26	17	,	,	PUNCT
fsr-3193	26	18	managing	manage	VERB
fsr-3193	26	19	a	a	DET
fsr-3193	26	20	checking	checking	NOUN
fsr-3193	26	21	account	account	NOUN
fsr-3193	26	22	,	,	PUNCT
fsr-3193	26	23	and	and	CCONJ
fsr-3193	26	24	budgeting	budgeting	NOUN
fsr-3193	26	25	while	while	SCONJ
fsr-3193	26	26	the	the	DET
fsr-3193	26	27	focus	focus	NOUN
fsr-3193	26	28	for	for	ADP
fsr-3193	26	29	long	long	ADJ
fsr-3193	26	30	-	-	PUNCT
fsr-3193	26	31	term	term	NOUN
fsr-3193	26	32	behaviors	behavior	NOUN
fsr-3193	26	33	is	be	AUX
fsr-3193	26	34	retirement	retirement	NOUN
fsr-3193	26	35	planning	planning	NOUN
fsr-3193	26	36	,	,	PUNCT
fsr-3193	26	37	savings	saving	NOUN
fsr-3193	26	38	,	,	PUNCT
fsr-3193	26	39	investments	investment	NOUN
fsr-3193	26	40	,	,	PUNCT
fsr-3193	26	41	and	and	CCONJ
fsr-3193	26	42	having	have	VERB
fsr-3193	26	43	a	a	DET
fsr-3193	26	44	will	will	NOUN
fsr-3193	26	45	.	.	PUNCT
fsr-3193	27	1	further	far	ADV
fsr-3193	27	2	,	,	PUNCT
fsr-3193	27	3	we	we	PRON
fsr-3193	27	4	investigate	investigate	VERB
fsr-3193	27	5	the	the	DET
fsr-3193	27	6	role	role	NOUN
fsr-3193	27	7	of	of	ADP
fsr-3193	27	8	financial	financial	ADJ
fsr-3193	27	9	knowledge	knowledge	NOUN
fsr-3193	27	10	and	and	CCONJ
fsr-3193	27	11	financial	financial	ADJ
fsr-3193	27	12	education	education	NOUN
fsr-3193	27	13	as	as	ADP
fsr-3193	27	14	salient	salient	ADJ
fsr-3193	27	15	factors	factor	NOUN
fsr-3193	27	16	for	for	ADP
fsr-3193	27	17	these	these	DET
fsr-3193	27	18	financial	financial	ADJ
fsr-3193	27	19	behaviors	behavior	NOUN
fsr-3193	27	20	.	.	PUNCT
fsr-3193	28	1	empirical	empirical	ADJ
fsr-3193	28	2	results	result	NOUN
fsr-3193	28	3	will	will	AUX
fsr-3193	28	4	provide	provide	VERB
fsr-3193	28	5	an	an	DET
fsr-3193	28	6	important	important	ADJ
fsr-3193	28	7	insight	insight	NOUN
fsr-3193	28	8	into	into	ADP
fsr-3193	28	9	policymakers	policymaker	NOUN
fsr-3193	28	10	as	as	ADV
fsr-3193	28	11	well	well	ADV
fsr-3193	28	12	as	as	ADP
fsr-3193	28	13	financial	financial	ADJ
fsr-3193	28	14	practitioners	practitioner	NOUN
fsr-3193	28	15	.	.	PUNCT
fsr-3193	29	1	while	while	SCONJ
fsr-3193	29	2	prior	prior	ADJ
fsr-3193	29	3	work	work	NOUN
fsr-3193	29	4	on	on	ADP
fsr-3193	29	5	military	military	ADJ
fsr-3193	29	6	households	household	NOUN
fsr-3193	29	7	has	have	AUX
fsr-3193	29	8	provided	provide	VERB
fsr-3193	29	9	this	this	DET
fsr-3193	29	10	study	study	NOUN
fsr-3193	29	11	a	a	DET
fsr-3193	29	12	groundwork	groundwork	NOUN
fsr-3193	29	13	on	on	ADP
fsr-3193	29	14	the	the	DET
fsr-3193	29	15	roles	role	NOUN
fsr-3193	29	16	of	of	ADP
fsr-3193	29	17	financial	financial	ADJ
fsr-3193	29	18	knowledge	knowledge	NOUN
fsr-3193	29	19	and	and	CCONJ
fsr-3193	29	20	financial	financial	ADJ
fsr-3193	29	21	behaviors	behavior	NOUN
fsr-3193	29	22	,	,	PUNCT
fsr-3193	29	23	little	little	ADJ
fsr-3193	29	24	work	work	NOUN
fsr-3193	29	25	has	have	AUX
fsr-3193	29	26	investigated	investigate	VERB
fsr-3193	29	27	the	the	DET
fsr-3193	29	28	differences	difference	NOUN
fsr-3193	29	29	among	among	ADP
fsr-3193	29	30	shortterm	shortterm	PROPN
fsr-3193	29	31	and	and	CCONJ
fsr-3193	29	32	long	long	ADJ
fsr-3193	29	33	-	-	PUNCT
fsr-3193	29	34	term	term	NOUN
fsr-3193	29	35	financial	financial	ADJ
fsr-3193	29	36	behaviors	behavior	NOUN
fsr-3193	29	37	and	and	CCONJ
fsr-3193	29	38	financial	financial	ADJ
fsr-3193	29	39	education	education	NOUN
fsr-3193	29	40	.	.	PUNCT
fsr-3193	30	1	2	2	X
fsr-3193	30	2	.	.	X
fsr-3193	30	3	literature	literature	NOUN
fsr-3193	30	4	review	review	VERB
fsr-3193	30	5	2.1	2.1	NUM
fsr-3193	30	6	.	.	PUNCT
fsr-3193	31	1	financial	financial	ADJ
fsr-3193	31	2	behaviors	behavior	NOUN
fsr-3193	31	3	,	,	PUNCT
fsr-3193	31	4	knowledge	knowledge	NOUN
fsr-3193	31	5	,	,	PUNCT
fsr-3193	31	6	and	and	CCONJ
fsr-3193	31	7	education	education	NOUN
fsr-3193	31	8	understanding	understand	VERB
fsr-3193	31	9	the	the	DET
fsr-3193	31	10	role	role	NOUN
fsr-3193	31	11	of	of	ADP
fsr-3193	31	12	financial	financial	ADJ
fsr-3193	31	13	knowledge	knowledge	NOUN
fsr-3193	31	14	and	and	CCONJ
fsr-3193	31	15	financial	financial	ADJ
fsr-3193	31	16	education	education	NOUN
fsr-3193	31	17	on	on	ADP
fsr-3193	31	18	financial	financial	ADJ
fsr-3193	31	19	behaviors	behavior	NOUN
fsr-3193	31	20	is	be	AUX
fsr-3193	31	21	important	important	ADJ
fsr-3193	31	22	as	as	SCONJ
fsr-3193	31	23	decisions	decision	NOUN
fsr-3193	31	24	made	make	VERB
fsr-3193	31	25	throughout	throughout	ADP
fsr-3193	31	26	the	the	DET
fsr-3193	31	27	life	life	NOUN
fsr-3193	31	28	course	course	NOUN
fsr-3193	31	29	can	can	AUX
fsr-3193	31	30	have	have	VERB
fsr-3193	31	31	lasting	lasting	ADJ
fsr-3193	31	32	effects	effect	NOUN
fsr-3193	31	33	on	on	ADP
fsr-3193	31	34	a	a	DET
fsr-3193	31	35	households	household	NOUN
fsr-3193	31	36	’	'	PUNCT
fsr-3193	31	37	present	present	ADJ
fsr-3193	31	38	and	and	CCONJ
fsr-3193	31	39	future	future	ADJ
fsr-3193	31	40	financial	financial	ADJ
fsr-3193	31	41	decision	decision	NOUN
fsr-3193	31	42	making	making	NOUN
fsr-3193	31	43	.	.	PUNCT
fsr-3193	32	1	having	have	VERB
fsr-3193	32	2	higher	high	ADJ
fsr-3193	32	3	levels	level	NOUN
fsr-3193	32	4	of	of	ADP
fsr-3193	32	5	financial	financial	ADJ
fsr-3193	32	6	36	36	NUM
fsr-3193	32	7	m.	m.	NOUN
fsr-3193	32	8	j.	j.	PROPN
fsr-3193	32	9	wilmarth	wilmarth	PROPN
fsr-3193	32	10	et	et	PROPN
fsr-3193	32	11	al	al	PROPN
fsr-3193	32	12	.	.	PUNCT
fsr-3193	32	13	/	/	SYM
fsr-3193	32	14	financial	financial	ADJ
fsr-3193	32	15	services	service	NOUN
fsr-3193	32	16	review	review	VERB
fsr-3193	32	17	31	31	NUM
fsr-3193	32	18	(	(	PUNCT
fsr-3193	32	19	2023	2023	NUM
fsr-3193	32	20	)	)	PUNCT
fsr-3193	32	21	35–54	35–54	NUM
fsr-3193	32	22	literacy	literacy	NOUN
fsr-3193	32	23	when	when	SCONJ
fsr-3193	32	24	younger	young	ADJ
fsr-3193	32	25	leads	lead	VERB
fsr-3193	32	26	to	to	ADP
fsr-3193	32	27	better	well	ADJ
fsr-3193	32	28	financial	financial	ADJ
fsr-3193	32	29	decisions	decision	NOUN
fsr-3193	32	30	and	and	CCONJ
fsr-3193	32	31	improved	improve	VERB
fsr-3193	32	32	quality	quality	NOUN
fsr-3193	32	33	of	of	ADP
fsr-3193	32	34	life	life	NOUN
fsr-3193	32	35	later	later	ADV
fsr-3193	32	36	in	in	ADP
fsr-3193	32	37	life	life	NOUN
fsr-3193	32	38	(	(	PUNCT
fsr-3193	32	39	james	james	PROPN
fsr-3193	32	40	et	et	PROPN
fsr-3193	32	41	al	al	PROPN
fsr-3193	32	42	.	.	PROPN
fsr-3193	32	43	,	,	PUNCT
fsr-3193	32	44	2012	2012	NUM
fsr-3193	32	45	)	)	PUNCT
fsr-3193	32	46	.	.	PUNCT
fsr-3193	33	1	there	there	PRON
fsr-3193	33	2	is	be	VERB
fsr-3193	33	3	a	a	DET
fsr-3193	33	4	growing	grow	VERB
fsr-3193	33	5	body	body	NOUN
fsr-3193	33	6	of	of	ADP
fsr-3193	33	7	literature	literature	NOUN
fsr-3193	33	8	identifying	identify	VERB
fsr-3193	33	9	the	the	DET
fsr-3193	33	10	relationship	relationship	NOUN
fsr-3193	33	11	between	between	ADP
fsr-3193	33	12	financial	financial	ADJ
fsr-3193	33	13	knowledge	knowledge	NOUN
fsr-3193	33	14	and	and	CCONJ
fsr-3193	33	15	financial	financial	ADJ
fsr-3193	33	16	behaviors	behavior	NOUN
fsr-3193	33	17	.	.	PUNCT
fsr-3193	34	1	behaviors	behavior	NOUN
fsr-3193	34	2	such	such	ADJ
fsr-3193	34	3	as	as	ADP
fsr-3193	34	4	having	have	VERB
fsr-3193	34	5	a	a	DET
fsr-3193	34	6	checking	checking	NOUN
fsr-3193	34	7	and/or	and/or	CCONJ
fsr-3193	34	8	savings	saving	NOUN
fsr-3193	34	9	account	account	NOUN
fsr-3193	34	10	,	,	PUNCT
fsr-3193	34	11	making	make	VERB
fsr-3193	34	12	payments	payment	NOUN
fsr-3193	34	13	on	on	ADP
fsr-3193	34	14	time	time	NOUN
fsr-3193	34	15	,	,	PUNCT
fsr-3193	34	16	having	have	VERB
fsr-3193	34	17	an	an	DET
fsr-3193	34	18	emergency	emergency	NOUN
fsr-3193	34	19	fund	fund	NOUN
fsr-3193	34	20	,	,	PUNCT
fsr-3193	34	21	and	and	CCONJ
fsr-3193	34	22	tracking	tracking	NOUN
fsr-3193	34	23	expenses	expense	NOUN
fsr-3193	34	24	are	be	AUX
fsr-3193	34	25	associated	associate	VERB
fsr-3193	34	26	with	with	ADP
fsr-3193	34	27	higher	high	ADJ
fsr-3193	34	28	levels	level	NOUN
fsr-3193	34	29	of	of	ADP
fsr-3193	34	30	financial	financial	ADJ
fsr-3193	34	31	knowledge	knowledge	NOUN
fsr-3193	34	32	(	(	PUNCT
fsr-3193	34	33	hilgert	hilgert	PROPN
fsr-3193	34	34	et	et	PROPN
fsr-3193	34	35	al	al	PROPN
fsr-3193	34	36	.	.	PROPN
fsr-3193	34	37	,	,	PUNCT
fsr-3193	34	38	2003	2003	NUM
fsr-3193	34	39	)	)	PUNCT
fsr-3193	34	40	.	.	PUNCT
fsr-3193	35	1	additionally	additionally	ADV
fsr-3193	35	2	,	,	PUNCT
fsr-3193	35	3	higher	high	ADJ
fsr-3193	35	4	financial	financial	ADJ
fsr-3193	35	5	knowledge	knowledge	NOUN
fsr-3193	35	6	was	be	AUX
fsr-3193	35	7	associated	associate	VERB
fsr-3193	35	8	with	with	ADP
fsr-3193	35	9	ownership	ownership	NOUN
fsr-3193	35	10	of	of	ADP
fsr-3193	35	11	investments	investment	NOUN
fsr-3193	35	12	and	and	CCONJ
fsr-3193	35	13	saving	save	VERB
fsr-3193	35	14	for	for	ADP
fsr-3193	35	15	long	long	ADJ
fsr-3193	35	16	-	-	PUNCT
fsr-3193	35	17	term	term	NOUN
fsr-3193	35	18	goals	goal	NOUN
fsr-3193	35	19	(	(	PUNCT
fsr-3193	35	20	moore	moore	PROPN
fsr-3193	35	21	,	,	PUNCT
fsr-3193	35	22	2003	2003	NUM
fsr-3193	35	23	)	)	PUNCT
fsr-3193	35	24	and	and	CCONJ
fsr-3193	35	25	retirement	retirement	NOUN
fsr-3193	35	26	planning	planning	NOUN
fsr-3193	35	27	(	(	PUNCT
fsr-3193	35	28	delavande	delavande	ADP
fsr-3193	35	29	et	et	PROPN
fsr-3193	35	30	al	al	PROPN
fsr-3193	35	31	.	.	PROPN
fsr-3193	35	32	,	,	PUNCT
fsr-3193	35	33	2008	2008	NUM
fsr-3193	35	34	)	)	PUNCT
fsr-3193	35	35	.	.	PUNCT
fsr-3193	36	1	having	have	VERB
fsr-3193	36	2	a	a	DET
fsr-3193	36	3	will	will	NOUN
fsr-3193	36	4	is	be	AUX
fsr-3193	36	5	an	an	DET
fsr-3193	36	6	important	important	ADJ
fsr-3193	36	7	component	component	NOUN
fsr-3193	36	8	of	of	ADP
fsr-3193	36	9	estate	estate	NOUN
fsr-3193	36	10	planning	planning	NOUN
fsr-3193	36	11	and	and	CCONJ
fsr-3193	36	12	older	old	ADJ
fsr-3193	36	13	adults	adult	NOUN
fsr-3193	36	14	with	with	ADP
fsr-3193	36	15	more	more	ADJ
fsr-3193	36	16	assets	asset	NOUN
fsr-3193	36	17	were	be	AUX
fsr-3193	36	18	more	more	ADV
fsr-3193	36	19	likely	likely	ADJ
fsr-3193	36	20	to	to	PART
fsr-3193	36	21	plan	plan	VERB
fsr-3193	36	22	for	for	ADP
fsr-3193	36	23	wealth	wealth	NOUN
fsr-3193	36	24	transference	transference	NOUN
fsr-3193	36	25	using	use	VERB
fsr-3193	36	26	a	a	DET
fsr-3193	36	27	will	will	NOUN
fsr-3193	36	28	(	(	PUNCT
fsr-3193	36	29	goetting	goetting	NOUN
fsr-3193	36	30	&	&	CCONJ
fsr-3193	36	31	martin	martin	PROPN
fsr-3193	36	32	,	,	PUNCT
fsr-3193	36	33	2001	2001	NUM
fsr-3193	36	34	)	)	PUNCT
fsr-3193	36	35	.	.	PUNCT
fsr-3193	37	1	however	however	ADV
fsr-3193	37	2	,	,	PUNCT
fsr-3193	37	3	planning	plan	VERB
fsr-3193	37	4	for	for	ADP
fsr-3193	37	5	a	a	DET
fsr-3193	37	6	lifetime	lifetime	NOUN
fsr-3193	37	7	of	of	ADP
fsr-3193	37	8	wealth	wealth	NOUN
fsr-3193	37	9	transference	transference	NOUN
fsr-3193	37	10	should	should	AUX
fsr-3193	37	11	begin	begin	VERB
fsr-3193	37	12	when	when	SCONJ
fsr-3193	37	13	an	an	DET
fsr-3193	37	14	individual	individual	NOUN
fsr-3193	37	15	is	be	AUX
fsr-3193	37	16	young	young	ADJ
fsr-3193	37	17	and	and	CCONJ
fsr-3193	37	18	be	be	AUX
fsr-3193	37	19	updated	update	VERB
fsr-3193	37	20	over	over	ADP
fsr-3193	37	21	time	time	NOUN
fsr-3193	37	22	(	(	PUNCT
fsr-3193	37	23	garman	garman	NOUN
fsr-3193	37	24	&	&	CCONJ
fsr-3193	37	25	forgue	forgue	PROPN
fsr-3193	37	26	,	,	PUNCT
fsr-3193	37	27	2012	2012	NUM
fsr-3193	37	28	)	)	PUNCT
fsr-3193	37	29	.	.	PUNCT
fsr-3193	38	1	research	research	NOUN
fsr-3193	38	2	has	have	AUX
fsr-3193	38	3	found	find	VERB
fsr-3193	38	4	that	that	SCONJ
fsr-3193	38	5	respondents	respondent	NOUN
fsr-3193	38	6	with	with	ADP
fsr-3193	38	7	higher	high	ADJ
fsr-3193	38	8	levels	level	NOUN
fsr-3193	38	9	of	of	ADP
fsr-3193	38	10	financial	financial	ADJ
fsr-3193	38	11	knowledge	knowledge	NOUN
fsr-3193	38	12	were	be	AUX
fsr-3193	38	13	more	more	ADV
fsr-3193	38	14	likely	likely	ADJ
fsr-3193	38	15	to	to	PART
fsr-3193	38	16	plan	plan	VERB
fsr-3193	38	17	and	and	CCONJ
fsr-3193	38	18	to	to	PART
fsr-3193	38	19	succeed	succeed	VERB
fsr-3193	38	20	in	in	ADP
fsr-3193	38	21	their	their	PRON
fsr-3193	38	22	planning	planning	NOUN
fsr-3193	38	23	(	(	PUNCT
fsr-3193	38	24	lusardi	lusardi	PROPN
fsr-3193	38	25	&	&	CCONJ
fsr-3193	38	26	mitchell	mitchell	PROPN
fsr-3193	38	27	,	,	PUNCT
fsr-3193	38	28	2007	2007	NUM
fsr-3193	38	29	,	,	PUNCT
fsr-3193	38	30	2011	2011	NUM
fsr-3193	38	31	)	)	PUNCT
fsr-3193	38	32	.	.	PUNCT
fsr-3193	39	1	whereas	whereas	SCONJ
fsr-3193	39	2	,	,	PUNCT
fsr-3193	39	3	having	have	VERB
fsr-3193	39	4	low	low	ADJ
fsr-3193	39	5	financial	financial	ADJ
fsr-3193	39	6	knowledge	knowledge	NOUN
fsr-3193	39	7	has	have	AUX
fsr-3193	39	8	been	be	AUX
fsr-3193	39	9	found	find	VERB
fsr-3193	39	10	to	to	PART
fsr-3193	39	11	negatively	negatively	ADV
fsr-3193	39	12	impact	impact	VERB
fsr-3193	39	13	long	long	ADJ
fsr-3193	39	14	-	-	PUNCT
fsr-3193	39	15	term	term	NOUN
fsr-3193	39	16	financial	financial	ADJ
fsr-3193	39	17	behaviors	behavior	NOUN
fsr-3193	39	18	as	as	ADV
fsr-3193	39	19	well	well	ADV
fsr-3193	39	20	as	as	ADP
fsr-3193	39	21	daily	daily	ADJ
fsr-3193	39	22	financial	financial	ADJ
fsr-3193	39	23	management	management	NOUN
fsr-3193	39	24	(	(	PUNCT
fsr-3193	39	25	braunstein	braunstein	NOUN
fsr-3193	39	26	&	&	CCONJ
fsr-3193	39	27	welch	welch	PROPN
fsr-3193	39	28	,	,	PUNCT
fsr-3193	39	29	2002	2002	NUM
fsr-3193	39	30	)	)	PUNCT
fsr-3193	39	31	.	.	PUNCT
fsr-3193	40	1	specifically	specifically	ADV
fsr-3193	40	2	,	,	PUNCT
fsr-3193	40	3	more	more	ADV
fsr-3193	40	4	negative	negative	ADJ
fsr-3193	40	5	financial	financial	ADJ
fsr-3193	40	6	behaviors	behavior	NOUN
fsr-3193	40	7	(	(	PUNCT
fsr-3193	40	8	e.g.	e.g.	ADV
fsr-3193	40	9	,	,	PUNCT
fsr-3193	40	10	high	high	ADJ
fsr-3193	40	11	interest	interest	NOUN
fsr-3193	40	12	rate	rate	NOUN
fsr-3193	40	13	mortgages	mortgage	NOUN
fsr-3193	40	14	,	,	PUNCT
fsr-3193	40	15	limited	limited	ADJ
fsr-3193	40	16	savings	saving	NOUN
fsr-3193	40	17	and	and	CCONJ
fsr-3193	40	18	investments	investment	NOUN
fsr-3193	40	19	,	,	PUNCT
fsr-3193	40	20	and	and	CCONJ
fsr-3193	40	21	over	over	ADP
fsr-3193	40	22	borrowing	borrowing	NOUN
fsr-3193	40	23	)	)	PUNCT
fsr-3193	40	24	are	be	AUX
fsr-3193	40	25	associated	associate	VERB
fsr-3193	40	26	with	with	ADP
fsr-3193	40	27	low	low	ADJ
fsr-3193	40	28	levels	level	NOUN
fsr-3193	40	29	of	of	ADP
fsr-3193	40	30	financial	financial	ADJ
fsr-3193	40	31	knowledge	knowledge	NOUN
fsr-3193	40	32	(	(	PUNCT
fsr-3193	40	33	lusardi	lusardi	NOUN
fsr-3193	40	34	,	,	PUNCT
fsr-3193	40	35	2008	2008	NUM
fsr-3193	40	36	)	)	PUNCT
fsr-3193	40	37	.	.	PUNCT
fsr-3193	41	1	when	when	SCONJ
fsr-3193	41	2	investigating	investigate	VERB
fsr-3193	41	3	short	short	ADJ
fsr-3193	41	4	-	-	PUNCT
fsr-3193	41	5	term	term	NOUN
fsr-3193	41	6	and	and	CCONJ
fsr-3193	41	7	long	long	ADJ
fsr-3193	41	8	-	-	PUNCT
fsr-3193	41	9	term	term	NOUN
fsr-3193	41	10	financial	financial	ADJ
fsr-3193	41	11	behaviors	behavior	NOUN
fsr-3193	41	12	,	,	PUNCT
fsr-3193	41	13	both	both	CCONJ
fsr-3193	41	14	subjective	subjective	ADJ
fsr-3193	41	15	and	and	CCONJ
fsr-3193	41	16	objective	objective	ADJ
fsr-3193	41	17	financial	financial	ADJ
fsr-3193	41	18	knowledge	knowledge	NOUN
fsr-3193	41	19	was	be	AUX
fsr-3193	41	20	positively	positively	ADV
fsr-3193	41	21	associated	associate	VERB
fsr-3193	41	22	with	with	ADP
fsr-3193	41	23	both	both	DET
fsr-3193	41	24	types	type	NOUN
fsr-3193	41	25	of	of	ADP
fsr-3193	41	26	financial	financial	ADJ
fsr-3193	41	27	behaviors	behavior	NOUN
fsr-3193	41	28	(	(	PUNCT
fsr-3193	41	29	henager	henag	ADJ
fsr-3193	41	30	&	&	CCONJ
fsr-3193	41	31	cude	cude	ADJ
fsr-3193	41	32	,	,	PUNCT
fsr-3193	41	33	2016	2016	NUM
fsr-3193	41	34	)	)	PUNCT
fsr-3193	41	35	.	.	PUNCT
fsr-3193	42	1	in	in	ADP
fsr-3193	42	2	addition	addition	NOUN
fsr-3193	42	3	to	to	ADP
fsr-3193	42	4	objective	objective	ADJ
fsr-3193	42	5	financial	financial	ADJ
fsr-3193	42	6	knowledge	knowledge	NOUN
fsr-3193	42	7	,	,	PUNCT
fsr-3193	42	8	subjective	subjective	ADJ
fsr-3193	42	9	financial	financial	ADJ
fsr-3193	42	10	knowledge	knowledge	NOUN
fsr-3193	42	11	has	have	AUX
fsr-3193	42	12	been	be	AUX
fsr-3193	42	13	linked	link	VERB
fsr-3193	42	14	to	to	ADP
fsr-3193	42	15	greater	great	ADJ
fsr-3193	42	16	likelihood	likelihood	NOUN
fsr-3193	42	17	to	to	PART
fsr-3193	42	18	plan	plan	VERB
fsr-3193	42	19	(	(	PUNCT
fsr-3193	42	20	hadar	hadar	PROPN
fsr-3193	42	21	et	et	PROPN
fsr-3193	42	22	al	al	PROPN
fsr-3193	42	23	.	.	PROPN
fsr-3193	42	24	,	,	PUNCT
fsr-3193	42	25	2013	2013	NUM
fsr-3193	42	26	)	)	PUNCT
fsr-3193	42	27	,	,	PUNCT
fsr-3193	42	28	participate	participate	VERB
fsr-3193	42	29	in	in	ADP
fsr-3193	42	30	best	good	ADJ
fsr-3193	42	31	financial	financial	ADJ
fsr-3193	42	32	practices	practice	NOUN
fsr-3193	42	33	(	(	PUNCT
fsr-3193	42	34	robb	robb	NOUN
fsr-3193	42	35	&	&	CCONJ
fsr-3193	42	36	woodyard	woodyard	PROPN
fsr-3193	42	37	,	,	PUNCT
fsr-3193	42	38	2011	2011	NUM
fsr-3193	42	39	)	)	PUNCT
fsr-3193	42	40	,	,	PUNCT
fsr-3193	42	41	and	and	CCONJ
fsr-3193	42	42	better	well	ADJ
fsr-3193	42	43	credit	credit	NOUN
fsr-3193	42	44	card	card	NOUN
fsr-3193	42	45	practices	practice	NOUN
fsr-3193	42	46	(	(	PUNCT
fsr-3193	42	47	allgood	allgood	PROPN
fsr-3193	42	48	&	&	CCONJ
fsr-3193	42	49	walstad	walstad	PROPN
fsr-3193	42	50	,	,	PUNCT
fsr-3193	42	51	2016	2016	NUM
fsr-3193	42	52	)	)	PUNCT
fsr-3193	42	53	.	.	PUNCT
fsr-3193	43	1	the	the	DET
fsr-3193	43	2	body	body	NOUN
fsr-3193	43	3	of	of	ADP
fsr-3193	43	4	literature	literature	NOUN
fsr-3193	43	5	has	have	AUX
fsr-3193	43	6	also	also	ADV
fsr-3193	43	7	identified	identify	VERB
fsr-3193	43	8	that	that	SCONJ
fsr-3193	43	9	socio	socio	NOUN
fsr-3193	43	10	-	-	PUNCT
fsr-3193	43	11	demographic	demographic	ADJ
fsr-3193	43	12	status	status	NOUN
fsr-3193	43	13	is	be	AUX
fsr-3193	43	14	important	important	ADJ
fsr-3193	43	15	when	when	SCONJ
fsr-3193	43	16	examining	examine	VERB
fsr-3193	43	17	financial	financial	ADJ
fsr-3193	43	18	behaviors	behavior	NOUN
fsr-3193	43	19	.	.	PUNCT
fsr-3193	44	1	for	for	ADP
fsr-3193	44	2	example	example	NOUN
fsr-3193	44	3	,	,	PUNCT
fsr-3193	44	4	gender	gender	NOUN
fsr-3193	44	5	,	,	PUNCT
fsr-3193	44	6	age	age	NOUN
fsr-3193	44	7	,	,	PUNCT
fsr-3193	44	8	race	race	NOUN
fsr-3193	44	9	,	,	PUNCT
fsr-3193	44	10	marital	marital	ADJ
fsr-3193	44	11	status	status	NOUN
fsr-3193	44	12	,	,	PUNCT
fsr-3193	44	13	dependent	dependent	ADJ
fsr-3193	44	14	children	child	NOUN
fsr-3193	44	15	,	,	PUNCT
fsr-3193	44	16	employment	employment	NOUN
fsr-3193	44	17	status	status	NOUN
fsr-3193	44	18	,	,	PUNCT
fsr-3193	44	19	educational	educational	ADJ
fsr-3193	44	20	attainment	attainment	NOUN
fsr-3193	44	21	,	,	PUNCT
fsr-3193	44	22	and	and	CCONJ
fsr-3193	44	23	income	income	NOUN
fsr-3193	44	24	have	have	AUX
fsr-3193	44	25	all	all	PRON
fsr-3193	44	26	been	be	AUX
fsr-3193	44	27	found	find	VERB
fsr-3193	44	28	to	to	PART
fsr-3193	44	29	impact	impact	VERB
fsr-3193	44	30	financial	financial	ADJ
fsr-3193	44	31	behaviors	behavior	NOUN
fsr-3193	44	32	(	(	PUNCT
fsr-3193	44	33	fernandes	fernande	NOUN
fsr-3193	44	34	et	et	PROPN
fsr-3193	44	35	al	al	PROPN
fsr-3193	44	36	.	.	PROPN
fsr-3193	44	37	,	,	PUNCT
fsr-3193	44	38	2014	2014	NUM
fsr-3193	44	39	;	;	PUNCT
fsr-3193	44	40	henager	henager	NOUN
fsr-3193	44	41	&	&	CCONJ
fsr-3193	44	42	cude	cude	ADJ
fsr-3193	44	43	,	,	PUNCT
fsr-3193	44	44	2016	2016	NUM
fsr-3193	44	45	;	;	PUNCT
fsr-3193	44	46	lee	lee	PROPN
fsr-3193	44	47	&	&	CCONJ
fsr-3193	44	48	kim	kim	PROPN
fsr-3193	44	49	,	,	PUNCT
fsr-3193	44	50	2020	2020	NUM
fsr-3193	44	51	;	;	PUNCT
fsr-3193	44	52	robb	robb	NOUN
fsr-3193	44	53	&	&	CCONJ
fsr-3193	44	54	woodyard	woodyard	PROPN
fsr-3193	44	55	,	,	PUNCT
fsr-3193	44	56	2011	2011	NUM
fsr-3193	44	57	;	;	PUNCT
fsr-3193	44	58	xiao	xiao	PROPN
fsr-3193	44	59	et	et	PROPN
fsr-3193	44	60	al	al	PROPN
fsr-3193	44	61	.	.	PROPN
fsr-3193	44	62	,	,	PUNCT
fsr-3193	44	63	2015	2015	NUM
fsr-3193	44	64	;	;	PUNCT
fsr-3193	44	65	zick	zick	PROPN
fsr-3193	44	66	et	et	PROPN
fsr-3193	44	67	al	al	PROPN
fsr-3193	44	68	.	.	PROPN
fsr-3193	44	69	,	,	PUNCT
fsr-3193	44	70	2012	2012	NUM
fsr-3193	44	71	)	)	PUNCT
fsr-3193	44	72	.	.	PUNCT
fsr-3193	45	1	financial	financial	ADJ
fsr-3193	45	2	education	education	NOUN
fsr-3193	45	3	programs	program	NOUN
fsr-3193	45	4	generally	generally	ADV
fsr-3193	45	5	include	include	VERB
fsr-3193	45	6	both	both	DET
fsr-3193	45	7	prevention	prevention	NOUN
fsr-3193	45	8	and	and	CCONJ
fsr-3193	45	9	intervention	intervention	NOUN
fsr-3193	45	10	strategies	strategy	NOUN
fsr-3193	45	11	to	to	PART
fsr-3193	45	12	improve	improve	VERB
fsr-3193	45	13	financial	financial	ADJ
fsr-3193	45	14	knowledge	knowledge	NOUN
fsr-3193	45	15	,	,	PUNCT
fsr-3193	45	16	engagement	engagement	NOUN
fsr-3193	45	17	,	,	PUNCT
fsr-3193	45	18	and	and	CCONJ
fsr-3193	45	19	communication	communication	NOUN
fsr-3193	45	20	in	in	ADP
fsr-3193	45	21	an	an	DET
fsr-3193	45	22	effort	effort	NOUN
fsr-3193	45	23	to	to	PART
fsr-3193	45	24	increase	increase	VERB
fsr-3193	45	25	financial	financial	ADJ
fsr-3193	45	26	wellness	wellness	NOUN
fsr-3193	45	27	(	(	PUNCT
fsr-3193	45	28	borden	borden	PROPN
fsr-3193	45	29	et	et	PROPN
fsr-3193	45	30	al	al	PROPN
fsr-3193	45	31	.	.	PROPN
fsr-3193	45	32	,	,	PUNCT
fsr-3193	45	33	2016	2016	NUM
fsr-3193	45	34	)	)	PUNCT
fsr-3193	45	35	.	.	PUNCT
fsr-3193	46	1	the	the	DET
fsr-3193	46	2	principle	principle	ADJ
fsr-3193	46	3	idea	idea	NOUN
fsr-3193	46	4	behind	behind	ADP
fsr-3193	46	5	financial	financial	ADJ
fsr-3193	46	6	education	education	NOUN
fsr-3193	46	7	programs	program	NOUN
fsr-3193	46	8	is	be	AUX
fsr-3193	46	9	that	that	SCONJ
fsr-3193	46	10	many	many	ADJ
fsr-3193	46	11	individuals	individual	NOUN
fsr-3193	46	12	and	and	CCONJ
fsr-3193	46	13	households	household	NOUN
fsr-3193	46	14	lack	lack	VERB
fsr-3193	46	15	the	the	DET
fsr-3193	46	16	financial	financial	ADJ
fsr-3193	46	17	knowledge	knowledge	NOUN
fsr-3193	46	18	needed	need	VERB
fsr-3193	46	19	to	to	PART
fsr-3193	46	20	make	make	VERB
fsr-3193	46	21	appropriate	appropriate	ADJ
fsr-3193	46	22	financial	financial	ADJ
fsr-3193	46	23	decisions	decision	NOUN
fsr-3193	46	24	(	(	PUNCT
fsr-3193	46	25	tang	tang	PROPN
fsr-3193	46	26	&	&	CCONJ
fsr-3193	46	27	baker	baker	PROPN
fsr-3193	46	28	,	,	PUNCT
fsr-3193	46	29	2016	2016	NUM
fsr-3193	46	30	)	)	PUNCT
fsr-3193	46	31	.	.	PUNCT
fsr-3193	47	1	literature	literature	NOUN
fsr-3193	47	2	regarding	regard	VERB
fsr-3193	47	3	the	the	DET
fsr-3193	47	4	impact	impact	NOUN
fsr-3193	47	5	of	of	ADP
fsr-3193	47	6	financial	financial	ADJ
fsr-3193	47	7	education	education	NOUN
fsr-3193	47	8	on	on	ADP
fsr-3193	47	9	financial	financial	ADJ
fsr-3193	47	10	knowledge	knowledge	NOUN
fsr-3193	47	11	shows	show	VERB
fsr-3193	47	12	mixed	mixed	ADJ
fsr-3193	47	13	results	result	NOUN
fsr-3193	47	14	;	;	PUNCT
fsr-3193	47	15	some	some	DET
fsr-3193	47	16	researchers	researcher	NOUN
fsr-3193	47	17	have	have	AUX
fsr-3193	47	18	found	find	VERB
fsr-3193	47	19	a	a	DET
fsr-3193	47	20	significant	significant	ADJ
fsr-3193	47	21	positive	positive	ADJ
fsr-3193	47	22	association	association	NOUN
fsr-3193	47	23	(	(	PUNCT
fsr-3193	47	24	kaiser	kaiser	PROPN
fsr-3193	47	25	et	et	PROPN
fsr-3193	47	26	al	al	PROPN
fsr-3193	47	27	.	.	PROPN
fsr-3193	47	28	,	,	PUNCT
fsr-3193	47	29	2021	2021	NUM
fsr-3193	47	30	;	;	PUNCT
fsr-3193	47	31	tang	tang	PROPN
fsr-3193	47	32	&	&	CCONJ
fsr-3193	47	33	peter	peter	PROPN
fsr-3193	47	34	,	,	PUNCT
fsr-3193	47	35	2015	2015	NUM
fsr-3193	47	36	)	)	PUNCT
fsr-3193	47	37	while	while	SCONJ
fsr-3193	47	38	others	other	NOUN
fsr-3193	47	39	have	have	AUX
fsr-3193	47	40	found	find	VERB
fsr-3193	47	41	no	no	DET
fsr-3193	47	42	significant	significant	ADJ
fsr-3193	47	43	association	association	NOUN
fsr-3193	47	44	between	between	ADP
fsr-3193	47	45	financial	financial	ADJ
fsr-3193	47	46	education	education	NOUN
fsr-3193	47	47	courses	course	NOUN
fsr-3193	47	48	and	and	CCONJ
fsr-3193	47	49	financial	financial	ADJ
fsr-3193	47	50	knowledge	knowledge	NOUN
fsr-3193	47	51	(	(	PUNCT
fsr-3193	47	52	mandell	mandell	PROPN
fsr-3193	47	53	,	,	PUNCT
fsr-3193	47	54	2008	2008	NUM
fsr-3193	47	55	,	,	PUNCT
fsr-3193	47	56	xiao	xiao	PROPN
fsr-3193	47	57	et	et	PROPN
fsr-3193	47	58	al	al	PROPN
fsr-3193	47	59	.	.	PROPN
fsr-3193	47	60	,	,	PUNCT
fsr-3193	47	61	2011	2011	NUM
fsr-3193	47	62	despite	despite	SCONJ
fsr-3193	47	63	this	this	PRON
fsr-3193	47	64	,	,	PUNCT
fsr-3193	47	65	the	the	DET
fsr-3193	47	66	potential	potential	ADJ
fsr-3193	47	67	benefit	benefit	NOUN
fsr-3193	47	68	of	of	ADP
fsr-3193	47	69	financial	financial	ADJ
fsr-3193	47	70	education	education	NOUN
fsr-3193	47	71	is	be	AUX
fsr-3193	47	72	often	often	ADV
fsr-3193	47	73	viewed	view	VERB
fsr-3193	47	74	as	as	ADP
fsr-3193	47	75	one	one	NUM
fsr-3193	47	76	of	of	ADP
fsr-3193	47	77	many	many	ADJ
fsr-3193	47	78	approaches	approach	NOUN
fsr-3193	47	79	to	to	ADP
fsr-3193	47	80	increasing	increase	VERB
fsr-3193	47	81	financial	financial	ADJ
fsr-3193	47	82	knowledge	knowledge	NOUN
fsr-3193	47	83	(	(	PUNCT
fsr-3193	47	84	gale	gale	PROPN
fsr-3193	47	85	&	&	CCONJ
fsr-3193	47	86	levine	levine	PROPN
fsr-3193	47	87	,	,	PUNCT
fsr-3193	47	88	2010	2010	NUM
fsr-3193	47	89	)	)	PUNCT
fsr-3193	47	90	.	.	PUNCT
fsr-3193	48	1	as	as	ADP
fsr-3193	48	2	a	a	DET
fsr-3193	48	3	result	result	NOUN
fsr-3193	48	4	of	of	ADP
fsr-3193	48	5	concern	concern	NOUN
fsr-3193	48	6	for	for	ADP
fsr-3193	48	7	financial	financial	ADJ
fsr-3193	48	8	well	well	NOUN
fsr-3193	48	9	-	-	PUNCT
fsr-3193	48	10	being	being	NOUN
fsr-3193	48	11	and	and	CCONJ
fsr-3193	48	12	low	low	ADJ
fsr-3193	48	13	levels	level	NOUN
fsr-3193	48	14	of	of	ADP
fsr-3193	48	15	financial	financial	ADJ
fsr-3193	48	16	knowledge	knowledge	NOUN
fsr-3193	48	17	,	,	PUNCT
fsr-3193	48	18	government	government	NOUN
fsr-3193	48	19	,	,	PUNCT
fsr-3193	48	20	business	business	NOUN
fsr-3193	48	21	,	,	PUNCT
fsr-3193	48	22	and	and	CCONJ
fsr-3193	48	23	nonprofit	nonprofit	ADJ
fsr-3193	48	24	entities	entity	NOUN
fsr-3193	48	25	have	have	AUX
fsr-3193	48	26	started	start	VERB
fsr-3193	48	27	developing	develop	VERB
fsr-3193	48	28	programs	program	NOUN
fsr-3193	48	29	aimed	aim	VERB
fsr-3193	48	30	at	at	ADP
fsr-3193	48	31	improving	improve	VERB
fsr-3193	48	32	financial	financial	ADJ
fsr-3193	48	33	knowledge	knowledge	NOUN
fsr-3193	48	34	with	with	ADP
fsr-3193	48	35	the	the	DET
fsr-3193	48	36	goals	goal	NOUN
fsr-3193	48	37	of	of	ADP
fsr-3193	48	38	improving	improve	VERB
fsr-3193	48	39	financial	financial	ADJ
fsr-3193	48	40	behaviors	behavior	NOUN
fsr-3193	48	41	(	(	PUNCT
fsr-3193	48	42	fernandes	fernande	NOUN
fsr-3193	48	43	et	et	PROPN
fsr-3193	48	44	al	al	PROPN
fsr-3193	48	45	.	.	PROPN
fsr-3193	48	46	,	,	PUNCT
fsr-3193	48	47	2014	2014	NUM
fsr-3193	48	48	)	)	PUNCT
fsr-3193	48	49	.	.	PUNCT
fsr-3193	49	1	such	such	ADJ
fsr-3193	49	2	programs	program	NOUN
fsr-3193	49	3	are	be	AUX
fsr-3193	49	4	available	available	ADJ
fsr-3193	49	5	specifically	specifically	ADV
fsr-3193	49	6	to	to	ADP
fsr-3193	49	7	military	military	ADJ
fsr-3193	49	8	members	member	NOUN
fsr-3193	49	9	through	through	ADP
fsr-3193	49	10	programming	programming	NOUN
fsr-3193	49	11	m.	m.	PROPN
fsr-3193	49	12	j.	j.	PROPN
fsr-3193	49	13	wilmarth	wilmarth	PROPN
fsr-3193	49	14	et	et	PROPN
fsr-3193	49	15	al	al	PROPN
fsr-3193	49	16	.	.	PUNCT
fsr-3193	49	17	/	/	SYM
fsr-3193	49	18	financial	financial	ADJ
fsr-3193	49	19	services	service	NOUN
fsr-3193	49	20	review	review	VERB
fsr-3193	49	21	31	31	NUM
fsr-3193	49	22	(	(	PUNCT
fsr-3193	49	23	2023	2023	NUM
fsr-3193	49	24	)	)	PUNCT
fsr-3193	49	25	35–54	35–54	NUM
fsr-3193	49	26	37	37	NUM
fsr-3193	49	27	developed	develop	VERB
fsr-3193	49	28	within	within	ADP
fsr-3193	49	29	each	each	DET
fsr-3193	49	30	service	service	NOUN
fsr-3193	49	31	branch	branch	NOUN
fsr-3193	49	32	as	as	ADV
fsr-3193	49	33	well	well	ADV
fsr-3193	49	34	as	as	ADP
fsr-3193	49	35	nonprofits	nonprofit	NOUN
fsr-3193	49	36	targeting	target	VERB
fsr-3193	49	37	military	military	ADJ
fsr-3193	49	38	members	member	NOUN
fsr-3193	49	39	(	(	PUNCT
fsr-3193	49	40	borden	borden	PROPN
fsr-3193	49	41	et	et	PROPN
fsr-3193	49	42	al	al	PROPN
fsr-3193	49	43	.	.	PROPN
fsr-3193	49	44	,	,	PUNCT
fsr-3193	49	45	2016	2016	NUM
fsr-3193	49	46	)	)	PUNCT
fsr-3193	49	47	.	.	PUNCT
fsr-3193	50	1	2.2	2.2	NUM
fsr-3193	50	2	.	.	PUNCT
fsr-3193	50	3	finances	finance	NOUN
fsr-3193	50	4	in	in	ADP
fsr-3193	50	5	military	military	ADJ
fsr-3193	50	6	households	household	NOUN
fsr-3193	50	7	proper	proper	ADJ
fsr-3193	50	8	management	management	NOUN
fsr-3193	50	9	of	of	ADP
fsr-3193	50	10	finances	finance	NOUN
fsr-3193	50	11	is	be	AUX
fsr-3193	50	12	important	important	ADJ
fsr-3193	50	13	for	for	ADP
fsr-3193	50	14	all	all	DET
fsr-3193	50	15	types	type	NOUN
fsr-3193	50	16	of	of	ADP
fsr-3193	50	17	families	family	NOUN
fsr-3193	50	18	,	,	PUNCT
fsr-3193	50	19	as	as	SCONJ
fsr-3193	50	20	it	it	PRON
fsr-3193	50	21	may	may	AUX
fsr-3193	50	22	reduce	reduce	VERB
fsr-3193	50	23	financial	financial	ADJ
fsr-3193	50	24	strain	strain	NOUN
fsr-3193	50	25	and	and	CCONJ
fsr-3193	50	26	distress	distress	NOUN
fsr-3193	50	27	.	.	PUNCT
fsr-3193	51	1	both	both	CCONJ
fsr-3193	51	2	civilian	civilian	ADJ
fsr-3193	51	3	and	and	CCONJ
fsr-3193	51	4	military	military	ADJ
fsr-3193	51	5	families	family	NOUN
fsr-3193	51	6	experience	experience	VERB
fsr-3193	51	7	similar	similar	ADJ
fsr-3193	51	8	amounts	amount	NOUN
fsr-3193	51	9	of	of	ADP
fsr-3193	51	10	financial	financial	ADJ
fsr-3193	51	11	stress	stress	NOUN
fsr-3193	51	12	(	(	PUNCT
fsr-3193	51	13	skimmyhorn	skimmyhorn	VERB
fsr-3193	51	14	,	,	PUNCT
fsr-3193	51	15	2014	2014	NUM
fsr-3193	51	16	)	)	PUNCT
fsr-3193	51	17	;	;	PUNCT
fsr-3193	51	18	however	however	ADV
fsr-3193	51	19	,	,	PUNCT
fsr-3193	51	20	there	there	PRON
fsr-3193	51	21	are	be	VERB
fsr-3193	51	22	differences	difference	NOUN
fsr-3193	51	23	that	that	PRON
fsr-3193	51	24	need	need	VERB
fsr-3193	51	25	to	to	PART
fsr-3193	51	26	be	be	AUX
fsr-3193	51	27	considered	consider	VERB
fsr-3193	51	28	(	(	PUNCT
fsr-3193	51	29	e.g.	e.g.	ADV
fsr-3193	51	30	,	,	PUNCT
fsr-3193	51	31	griffith	griffith	PROPN
fsr-3193	51	32	,	,	PUNCT
fsr-3193	51	33	2015	2015	NUM
fsr-3193	51	34	)	)	PUNCT
fsr-3193	51	35	.	.	PUNCT
fsr-3193	52	1	military	military	ADJ
fsr-3193	52	2	families	family	NOUN
fsr-3193	52	3	experience	experience	VERB
fsr-3193	52	4	stressors	stressor	NOUN
fsr-3193	52	5	that	that	SCONJ
fsr-3193	52	6	civilian	civilian	ADJ
fsr-3193	52	7	families	family	NOUN
fsr-3193	52	8	do	do	AUX
fsr-3193	52	9	not	not	PART
fsr-3193	52	10	usually	usually	ADV
fsr-3193	52	11	experience	experience	VERB
fsr-3193	52	12	,	,	PUNCT
fsr-3193	52	13	including	include	VERB
fsr-3193	52	14	deployment	deployment	NOUN
fsr-3193	52	15	and	and	CCONJ
fsr-3193	52	16	frequent	frequent	ADJ
fsr-3193	52	17	moves	move	NOUN
fsr-3193	52	18	required	require	VERB
fsr-3193	52	19	by	by	ADP
fsr-3193	52	20	the	the	DET
fsr-3193	52	21	military	military	NOUN
fsr-3193	52	22	(	(	PUNCT
fsr-3193	52	23	hosek	hosek	PROPN
fsr-3193	52	24	&	&	CCONJ
fsr-3193	52	25	wadsworth	wadsworth	PROPN
fsr-3193	52	26	,	,	PUNCT
fsr-3193	52	27	2013	2013	NUM
fsr-3193	52	28	)	)	PUNCT
fsr-3193	52	29	.	.	PUNCT
fsr-3193	53	1	having	have	VERB
fsr-3193	53	2	confidence	confidence	NOUN
fsr-3193	53	3	in	in	ADP
fsr-3193	53	4	their	their	PRON
fsr-3193	53	5	deployment	deployment	NOUN
fsr-3193	53	6	support	support	NOUN
fsr-3193	53	7	(	(	PUNCT
fsr-3193	53	8	e.g.	e.g.	ADV
fsr-3193	53	9	,	,	PUNCT
fsr-3193	53	10	trust	trust	NOUN
fsr-3193	53	11	in	in	ADP
fsr-3193	53	12	chain	chain	NOUN
fsr-3193	53	13	of	of	ADP
fsr-3193	53	14	command	command	NOUN
fsr-3193	53	15	and	and	CCONJ
fsr-3193	53	16	available	available	ADJ
fsr-3193	53	17	support	support	NOUN
fsr-3193	53	18	options	option	NOUN
fsr-3193	53	19	)	)	PUNCT
fsr-3193	53	20	was	be	AUX
fsr-3193	53	21	associated	associate	VERB
fsr-3193	53	22	with	with	ADP
fsr-3193	53	23	decreased	decrease	VERB
fsr-3193	53	24	financial	financial	ADJ
fsr-3193	53	25	difficulties	difficulty	NOUN
fsr-3193	53	26	while	while	SCONJ
fsr-3193	53	27	deployed	deploy	VERB
fsr-3193	53	28	(	(	PUNCT
fsr-3193	53	29	griffith	griffith	PROPN
fsr-3193	53	30	,	,	PUNCT
fsr-3193	53	31	2015	2015	NUM
fsr-3193	53	32	)	)	PUNCT
fsr-3193	53	33	.	.	PUNCT
fsr-3193	54	1	conversely	conversely	ADV
fsr-3193	54	2	,	,	PUNCT
fsr-3193	54	3	having	having	AUX
fsr-3193	54	4	seen	see	VERB
fsr-3193	54	5	others	other	NOUN
fsr-3193	54	6	wounded	wound	VERB
fsr-3193	54	7	or	or	CCONJ
fsr-3193	54	8	killed	kill	VERB
fsr-3193	54	9	in	in	ADP
fsr-3193	54	10	combat	combat	NOUN
fsr-3193	54	11	or	or	CCONJ
fsr-3193	54	12	post	post	ADJ
fsr-3193	54	13	-	-	ADJ
fsr-3193	54	14	deployment	deployment	ADJ
fsr-3193	54	15	experiences	experience	NOUN
fsr-3193	54	16	(	(	PUNCT
fsr-3193	54	17	e.g.	e.g.	ADV
fsr-3193	54	18	,	,	PUNCT
fsr-3193	54	19	anger	anger	NOUN
fsr-3193	54	20	,	,	PUNCT
fsr-3193	54	21	frustration	frustration	NOUN
fsr-3193	54	22	)	)	PUNCT
fsr-3193	54	23	was	be	AUX
fsr-3193	54	24	associated	associate	VERB
fsr-3193	54	25	with	with	ADP
fsr-3193	54	26	increased	increase	VERB
fsr-3193	54	27	financial	financial	ADJ
fsr-3193	54	28	difficulties	difficulty	NOUN
fsr-3193	54	29	(	(	PUNCT
fsr-3193	54	30	griffith	griffith	PROPN
fsr-3193	54	31	,	,	PUNCT
fsr-3193	54	32	2015	2015	NUM
fsr-3193	54	33	)	)	PUNCT
fsr-3193	54	34	and	and	CCONJ
fsr-3193	54	35	growing	grow	VERB
fsr-3193	54	36	literature	literature	NOUN
fsr-3193	54	37	is	be	AUX
fsr-3193	54	38	identifying	identify	VERB
fsr-3193	54	39	the	the	DET
fsr-3193	54	40	implications	implication	NOUN
fsr-3193	54	41	of	of	ADP
fsr-3193	54	42	post	post	ADJ
fsr-3193	54	43	-	-	ADJ
fsr-3193	54	44	traumatic	traumatic	ADJ
fsr-3193	54	45	stress	stress	NOUN
fsr-3193	54	46	disorder	disorder	NOUN
fsr-3193	54	47	(	(	PUNCT
fsr-3193	54	48	ptsd	ptsd	PROPN
fsr-3193	54	49	)	)	PUNCT
fsr-3193	54	50	on	on	ADP
fsr-3193	54	51	financial	financial	ADJ
fsr-3193	54	52	stress	stress	NOUN
fsr-3193	54	53	and	and	CCONJ
fsr-3193	54	54	behaviors	behavior	NOUN
fsr-3193	54	55	among	among	ADP
fsr-3193	54	56	service	service	NOUN
fsr-3193	54	57	members	member	NOUN
fsr-3193	54	58	(	(	PUNCT
fsr-3193	54	59	e.g.	e.g.	ADV
fsr-3193	54	60	,	,	PUNCT
fsr-3193	54	61	harrison	harrison	PROPN
fsr-3193	54	62	et	et	PROPN
fsr-3193	54	63	al	al	PROPN
fsr-3193	54	64	.	.	PROPN
fsr-3193	54	65	,	,	PUNCT
fsr-3193	54	66	2010	2010	NUM
fsr-3193	54	67	;	;	PUNCT
fsr-3193	54	68	olson	olson	NOUN
fsr-3193	54	69	et	et	PROPN
fsr-3193	54	70	al	al	PROPN
fsr-3193	54	71	.	.	PROPN
fsr-3193	54	72	,	,	PUNCT
fsr-3193	54	73	2018	2018	NUM
fsr-3193	54	74	;	;	PUNCT
fsr-3193	54	75	wang	wang	PROPN
fsr-3193	54	76	&	&	CCONJ
fsr-3193	54	77	pullman	pullman	PROPN
fsr-3193	54	78	,	,	PUNCT
fsr-3193	54	79	2019	2019	NUM
fsr-3193	54	80	)	)	PUNCT
fsr-3193	54	81	.	.	PUNCT
fsr-3193	55	1	in	in	ADP
fsr-3193	55	2	an	an	DET
fsr-3193	55	3	effort	effort	NOUN
fsr-3193	55	4	to	to	PART
fsr-3193	55	5	help	help	VERB
fsr-3193	55	6	military	military	ADJ
fsr-3193	55	7	families	family	NOUN
fsr-3193	55	8	cope	cope	VERB
fsr-3193	55	9	financially	financially	ADV
fsr-3193	55	10	,	,	PUNCT
fsr-3193	55	11	pay	pay	VERB
fsr-3193	55	12	increases	increase	NOUN
fsr-3193	55	13	have	have	AUX
fsr-3193	55	14	led	lead	VERB
fsr-3193	55	15	to	to	ADP
fsr-3193	55	16	earnings	earning	NOUN
fsr-3193	55	17	of	of	ADP
fsr-3193	55	18	military	military	ADJ
fsr-3193	55	19	members	member	NOUN
fsr-3193	55	20	being	be	AUX
fsr-3193	55	21	higher	high	ADJ
fsr-3193	55	22	than	than	ADP
fsr-3193	55	23	civilians	civilian	NOUN
fsr-3193	55	24	with	with	ADP
fsr-3193	55	25	equivalent	equivalent	ADJ
fsr-3193	55	26	education	education	NOUN
fsr-3193	55	27	levels	level	NOUN
fsr-3193	55	28	(	(	PUNCT
fsr-3193	55	29	hosek	hosek	PROPN
fsr-3193	55	30	&	&	CCONJ
fsr-3193	55	31	wadsworth	wadsworth	PROPN
fsr-3193	55	32	,	,	PUNCT
fsr-3193	55	33	2013	2013	NUM
fsr-3193	55	34	)	)	PUNCT
fsr-3193	55	35	.	.	PUNCT
fsr-3193	56	1	military	military	ADJ
fsr-3193	56	2	families	family	NOUN
fsr-3193	56	3	spend	spend	VERB
fsr-3193	56	4	less	less	ADJ
fsr-3193	56	5	on	on	ADP
fsr-3193	56	6	food	food	NOUN
fsr-3193	56	7	,	,	PUNCT
fsr-3193	56	8	healthcare	healthcare	PROPN
fsr-3193	56	9	,	,	PUNCT
fsr-3193	56	10	personal	personal	ADJ
fsr-3193	56	11	items	item	NOUN
fsr-3193	56	12	,	,	PUNCT
fsr-3193	56	13	and	and	CCONJ
fsr-3193	56	14	taxes	taxis	NOUN
fsr-3193	56	15	when	when	SCONJ
fsr-3193	56	16	compared	compare	VERB
fsr-3193	56	17	with	with	ADP
fsr-3193	56	18	civilian	civilian	ADJ
fsr-3193	56	19	families	family	NOUN
fsr-3193	56	20	(	(	PUNCT
fsr-3193	56	21	hosek	hosek	PROPN
fsr-3193	56	22	&	&	CCONJ
fsr-3193	56	23	wadsworth	wadsworth	PROPN
fsr-3193	56	24	,	,	PUNCT
fsr-3193	56	25	2013	2013	NUM
fsr-3193	56	26	)	)	PUNCT
fsr-3193	56	27	.	.	PUNCT
fsr-3193	57	1	however	however	ADV
fsr-3193	57	2	,	,	PUNCT
fsr-3193	57	3	military	military	ADJ
fsr-3193	57	4	spouses	spouse	NOUN
fsr-3193	57	5	’	'	PUNCT
fsr-3193	57	6	are	be	AUX
fsr-3193	57	7	more	more	ADV
fsr-3193	57	8	likely	likely	ADJ
fsr-3193	57	9	to	to	PART
fsr-3193	57	10	be	be	AUX
fsr-3193	57	11	unemployed	unemployed	ADJ
fsr-3193	57	12	or	or	CCONJ
fsr-3193	57	13	work	work	VERB
fsr-3193	57	14	fewer	few	ADJ
fsr-3193	57	15	hours	hour	NOUN
fsr-3193	57	16	than	than	SCONJ
fsr-3193	57	17	they	they	PRON
fsr-3193	57	18	prefer	prefer	VERB
fsr-3193	57	19	,	,	PUNCT
fsr-3193	57	20	as	as	ADP
fsr-3193	57	21	compared	compare	VERB
fsr-3193	57	22	with	with	ADP
fsr-3193	57	23	their	their	PRON
fsr-3193	57	24	civilian	civilian	ADJ
fsr-3193	57	25	counterparts	counterpart	NOUN
fsr-3193	57	26	(	(	PUNCT
fsr-3193	57	27	hosek	hosek	PROPN
fsr-3193	57	28	&	&	CCONJ
fsr-3193	57	29	wadsworth	wadsworth	PROPN
fsr-3193	57	30	,	,	PUNCT
fsr-3193	57	31	2013	2013	NUM
fsr-3193	57	32	)	)	PUNCT
fsr-3193	57	33	.	.	PUNCT
fsr-3193	58	1	service	service	NOUN
fsr-3193	58	2	members	member	NOUN
fsr-3193	58	3	may	may	AUX
fsr-3193	58	4	be	be	AUX
fsr-3193	58	5	experiencing	experience	VERB
fsr-3193	58	6	higher	high	ADJ
fsr-3193	58	7	rates	rate	NOUN
fsr-3193	58	8	of	of	ADP
fsr-3193	58	9	debt	debt	NOUN
fsr-3193	58	10	than	than	ADP
fsr-3193	58	11	in	in	ADP
fsr-3193	58	12	the	the	DET
fsr-3193	58	13	past	past	NOUN
fsr-3193	58	14	,	,	PUNCT
fsr-3193	58	15	including	include	VERB
fsr-3193	58	16	more	more	ADJ
fsr-3193	58	17	incoming	incoming	ADJ
fsr-3193	58	18	members	member	NOUN
fsr-3193	58	19	entering	enter	VERB
fsr-3193	58	20	service	service	NOUN
fsr-3193	58	21	with	with	ADP
fsr-3193	58	22	debt	debt	NOUN
fsr-3193	58	23	(	(	PUNCT
fsr-3193	58	24	26	26	NUM
fsr-3193	58	25	%	%	NOUN
fsr-3193	58	26	in	in	ADP
fsr-3193	58	27	1997	1997	NUM
fsr-3193	58	28	to	to	ADP
fsr-3193	58	29	42	42	NUM
fsr-3193	58	30	%	%	NOUN
fsr-3193	58	31	in	in	ADP
fsr-3193	58	32	2003	2003	NUM
fsr-3193	58	33	;	;	PUNCT
fsr-3193	58	34	hosek	hosek	PROPN
fsr-3193	58	35	&	&	CCONJ
fsr-3193	58	36	wadsworth	wadsworth	PROPN
fsr-3193	58	37	,	,	PUNCT
fsr-3193	58	38	2013	2013	NUM
fsr-3193	58	39	)	)	PUNCT
fsr-3193	58	40	.	.	PUNCT
fsr-3193	59	1	not	not	PART
fsr-3193	59	2	all	all	DET
fsr-3193	59	3	military	military	ADJ
fsr-3193	59	4	families	family	NOUN
fsr-3193	59	5	experience	experience	NOUN
fsr-3193	59	6	finances	finance	NOUN
fsr-3193	59	7	in	in	ADP
fsr-3193	59	8	the	the	DET
fsr-3193	59	9	same	same	ADJ
fsr-3193	59	10	way	way	NOUN
fsr-3193	59	11	,	,	PUNCT
fsr-3193	59	12	as	as	SCONJ
fsr-3193	59	13	there	there	PRON
fsr-3193	59	14	may	may	AUX
fsr-3193	59	15	be	be	AUX
fsr-3193	59	16	variance	variance	NOUN
fsr-3193	59	17	based	base	VERB
fsr-3193	59	18	on	on	ADP
fsr-3193	59	19	rank	rank	NOUN
fsr-3193	59	20	and	and	CCONJ
fsr-3193	59	21	branch	branch	NOUN
fsr-3193	59	22	of	of	ADP
fsr-3193	59	23	service	service	NOUN
fsr-3193	59	24	.	.	PUNCT
fsr-3193	60	1	within	within	ADP
fsr-3193	60	2	military	military	ADJ
fsr-3193	60	3	families	family	NOUN
fsr-3193	60	4	,	,	PUNCT
fsr-3193	60	5	active	active	ADJ
fsr-3193	60	6	duty	duty	NOUN
fsr-3193	60	7	families	family	NOUN
fsr-3193	60	8	tend	tend	VERB
fsr-3193	60	9	to	to	PART
fsr-3193	60	10	be	be	AUX
fsr-3193	60	11	better	well	ADJ
fsr-3193	60	12	off	off	ADP
fsr-3193	60	13	financially	financially	ADV
fsr-3193	60	14	than	than	ADP
fsr-3193	60	15	those	those	PRON
fsr-3193	60	16	that	that	PRON
fsr-3193	60	17	are	be	AUX
fsr-3193	60	18	reserve	reserve	NOUN
fsr-3193	60	19	service	service	NOUN
fsr-3193	60	20	families	family	NOUN
fsr-3193	60	21	(	(	PUNCT
fsr-3193	60	22	london	london	PROPN
fsr-3193	60	23	&	&	CCONJ
fsr-3193	60	24	heflin	heflin	PROPN
fsr-3193	60	25	,	,	PUNCT
fsr-3193	60	26	2015	2015	NUM
fsr-3193	60	27	)	)	PUNCT
fsr-3193	60	28	,	,	PUNCT
fsr-3193	60	29	whereas	whereas	SCONJ
fsr-3193	60	30	those	those	PRON
fsr-3193	60	31	in	in	ADP
fsr-3193	60	32	the	the	DET
fsr-3193	60	33	army	army	NOUN
fsr-3193	60	34	have	have	VERB
fsr-3193	60	35	lower	low	ADJ
fsr-3193	60	36	financial	financial	ADJ
fsr-3193	60	37	well	well	NOUN
fsr-3193	60	38	-	-	PUNCT
fsr-3193	60	39	being	being	NOUN
fsr-3193	60	40	than	than	ADP
fsr-3193	60	41	those	those	PRON
fsr-3193	60	42	in	in	ADP
fsr-3193	60	43	the	the	DET
fsr-3193	60	44	air	air	NOUN
fsr-3193	60	45	force	force	NOUN
fsr-3193	60	46	(	(	PUNCT
fsr-3193	60	47	skimmyhorn	skimmyhorn	VERB
fsr-3193	60	48	,	,	PUNCT
fsr-3193	60	49	2014	2014	NUM
fsr-3193	60	50	)	)	PUNCT
fsr-3193	60	51	.	.	PUNCT
fsr-3193	61	1	families	family	NOUN
fsr-3193	61	2	of	of	ADP
fsr-3193	61	3	officers	officer	NOUN
fsr-3193	61	4	have	have	VERB
fsr-3193	61	5	better	well	ADJ
fsr-3193	61	6	financial	financial	ADJ
fsr-3193	61	7	well	well	ADV
fsr-3193	61	8	-	-	PUNCT
fsr-3193	61	9	being	being	NOUN
fsr-3193	61	10	than	than	ADP
fsr-3193	61	11	those	those	PRON
fsr-3193	61	12	of	of	ADP
fsr-3193	61	13	enlisted	enlisted	ADJ
fsr-3193	61	14	service	service	NOUN
fsr-3193	61	15	members	member	NOUN
fsr-3193	61	16	’	'	PUNCT
fsr-3193	61	17	families	family	NOUN
fsr-3193	61	18	(	(	PUNCT
fsr-3193	61	19	hosek	hosek	PROPN
fsr-3193	61	20	&	&	CCONJ
fsr-3193	61	21	wadsworth	wadsworth	PROPN
fsr-3193	61	22	,	,	PUNCT
fsr-3193	61	23	2013	2013	NUM
fsr-3193	61	24	)	)	PUNCT
fsr-3193	61	25	.	.	PUNCT
fsr-3193	62	1	specific	specific	ADJ
fsr-3193	62	2	to	to	ADP
fsr-3193	62	3	financial	financial	ADJ
fsr-3193	62	4	behaviors	behavior	NOUN
fsr-3193	62	5	,	,	PUNCT
fsr-3193	62	6	service	service	NOUN
fsr-3193	62	7	members	member	NOUN
fsr-3193	62	8	may	may	AUX
fsr-3193	62	9	differ	differ	VERB
fsr-3193	62	10	from	from	ADP
fsr-3193	62	11	their	their	PRON
fsr-3193	62	12	civilian	civilian	ADJ
fsr-3193	62	13	counterparts	counterpart	NOUN
fsr-3193	62	14	.	.	PUNCT
fsr-3193	63	1	results	result	NOUN
fsr-3193	63	2	published	publish	VERB
fsr-3193	63	3	from	from	ADP
fsr-3193	63	4	the	the	DET
fsr-3193	63	5	national	national	ADJ
fsr-3193	63	6	financial	financial	ADJ
fsr-3193	63	7	capability	capability	NOUN
fsr-3193	63	8	study	study	NOUN
fsr-3193	63	9	(	(	PUNCT
fsr-3193	63	10	nfcs	nfc	NOUN
fsr-3193	63	11	)	)	PUNCT
fsr-3193	63	12	,	,	PUNCT
fsr-3193	63	13	identified	identify	VERB
fsr-3193	63	14	that	that	SCONJ
fsr-3193	63	15	credit	credit	NOUN
fsr-3193	63	16	card	card	NOUN
fsr-3193	63	17	holders	holder	NOUN
fsr-3193	63	18	(	(	PUNCT
fsr-3193	63	19	both	both	CCONJ
fsr-3193	63	20	civilian	civilian	ADJ
fsr-3193	63	21	and	and	CCONJ
fsr-3193	63	22	military	military	ADJ
fsr-3193	63	23	)	)	PUNCT
fsr-3193	63	24	participate	participate	VERB
fsr-3193	63	25	in	in	ADP
fsr-3193	63	26	negative	negative	ADJ
fsr-3193	63	27	financial	financial	ADJ
fsr-3193	63	28	behaviors	behavior	NOUN
fsr-3193	63	29	such	such	ADJ
fsr-3193	63	30	as	as	ADP
fsr-3193	63	31	only	only	ADV
fsr-3193	63	32	paying	pay	VERB
fsr-3193	63	33	the	the	DET
fsr-3193	63	34	minimum	minimum	ADJ
fsr-3193	63	35	payment	payment	NOUN
fsr-3193	63	36	,	,	PUNCT
fsr-3193	63	37	incurring	incur	VERB
fsr-3193	63	38	late	late	ADJ
fsr-3193	63	39	fees	fee	NOUN
fsr-3193	63	40	,	,	PUNCT
fsr-3193	63	41	or	or	CCONJ
fsr-3193	63	42	using	use	VERB
fsr-3193	63	43	a	a	DET
fsr-3193	63	44	cash	cash	NOUN
fsr-3193	63	45	advance	advance	NOUN
fsr-3193	63	46	from	from	ADP
fsr-3193	63	47	a	a	DET
fsr-3193	63	48	credit	credit	NOUN
fsr-3193	63	49	card	card	NOUN
fsr-3193	63	50	.	.	PUNCT
fsr-3193	64	1	however	however	ADV
fsr-3193	64	2	,	,	PUNCT
fsr-3193	64	3	military	military	ADJ
fsr-3193	64	4	service	service	NOUN
fsr-3193	64	5	members	member	NOUN
fsr-3193	64	6	were	be	AUX
fsr-3193	64	7	more	more	ADV
fsr-3193	64	8	likely	likely	ADJ
fsr-3193	64	9	than	than	SCONJ
fsr-3193	64	10	civilians	civilian	NOUN
fsr-3193	64	11	to	to	PART
fsr-3193	64	12	engage	engage	VERB
fsr-3193	64	13	in	in	ADP
fsr-3193	64	14	at	at	ADV
fsr-3193	64	15	least	least	ADJ
fsr-3193	64	16	one	one	NUM
fsr-3193	64	17	of	of	ADP
fsr-3193	64	18	these	these	DET
fsr-3193	64	19	negative	negative	ADJ
fsr-3193	64	20	behaviors	behavior	NOUN
fsr-3193	64	21	(	(	PUNCT
fsr-3193	64	22	finra	finra	PROPN
fsr-3193	64	23	ief	ief	PROPN
fsr-3193	64	24	,	,	PUNCT
fsr-3193	64	25	2013a	2013a	NUM
fsr-3193	64	26	,	,	PUNCT
fsr-3193	64	27	2013b	2013b	NUM
fsr-3193	64	28	)	)	PUNCT
fsr-3193	64	29	.	.	PUNCT
fsr-3193	65	1	among	among	ADP
fsr-3193	65	2	a	a	DET
fsr-3193	65	3	marine	marine	PROPN
fsr-3193	65	4	corp	corp	PROPN
fsr-3193	65	5	sample	sample	PROPN
fsr-3193	65	6	,	,	PUNCT
fsr-3193	65	7	commonly	commonly	ADV
fsr-3193	65	8	found	find	VERB
fsr-3193	65	9	financial	financial	ADJ
fsr-3193	65	10	problems	problem	NOUN
fsr-3193	65	11	included	include	VERB
fsr-3193	65	12	bounced	bounce	VERB
fsr-3193	65	13	checks	check	NOUN
fsr-3193	65	14	and/or	and/or	CCONJ
fsr-3193	65	15	suspensions	suspension	NOUN
fsr-3193	65	16	of	of	ADP
fsr-3193	65	17	check	check	NOUN
fsr-3193	65	18	-	-	PUNCT
fsr-3193	65	19	cashing	cash	VERB
fsr-3193	65	20	privileges	privilege	NOUN
fsr-3193	65	21	,	,	PUNCT
fsr-3193	65	22	high	high	ADJ
fsr-3193	65	23	credit	credit	NOUN
fsr-3193	65	24	card	card	NOUN
fsr-3193	65	25	debt	debt	NOUN
fsr-3193	65	26	,	,	PUNCT
fsr-3193	65	27	overuse	overuse	NOUN
fsr-3193	65	28	of	of	ADP
fsr-3193	65	29	credit	credit	NOUN
fsr-3193	65	30	,	,	PUNCT
fsr-3193	65	31	and	and	CCONJ
fsr-3193	65	32	high	high	ADJ
fsr-3193	65	33	phone	phone	NOUN
fsr-3193	65	34	bills	bill	NOUN
fsr-3193	65	35	(	(	PUNCT
fsr-3193	65	36	varcoe	varcoe	PROPN
fsr-3193	65	37	et	et	PROPN
fsr-3193	65	38	al	al	PROPN
fsr-3193	65	39	.	.	PROPN
fsr-3193	65	40	,	,	PUNCT
fsr-3193	65	41	2003	2003	NUM
fsr-3193	65	42	)	)	PUNCT
fsr-3193	65	43	.	.	PUNCT
fsr-3193	66	1	using	use	VERB
fsr-3193	66	2	the	the	DET
fsr-3193	66	3	nfcs	nfc	NOUN
fsr-3193	66	4	,	,	PUNCT
fsr-3193	66	5	skimmyhorn	skimmyhorn	NUM
fsr-3193	66	6	(	(	PUNCT
fsr-3193	66	7	2016b	2016b	NUM
fsr-3193	66	8	)	)	PUNCT
fsr-3193	66	9	found	find	VERB
fsr-3193	66	10	that	that	SCONJ
fsr-3193	66	11	military	military	ADJ
fsr-3193	66	12	members	member	NOUN
fsr-3193	66	13	had	have	VERB
fsr-3193	66	14	more	more	ADJ
fsr-3193	66	15	types	type	NOUN
fsr-3193	66	16	of	of	ADP
fsr-3193	66	17	savings	saving	NOUN
fsr-3193	66	18	accounts	account	NOUN
fsr-3193	66	19	(	(	PUNCT
fsr-3193	66	20	e.g.	e.g.	ADV
fsr-3193	66	21	,	,	PUNCT
fsr-3193	66	22	has	have	VERB
fsr-3193	66	23	an	an	DET
fsr-3193	66	24	emergency	emergency	NOUN
fsr-3193	66	25	fund	fund	NOUN
fsr-3193	66	26	,	,	PUNCT
fsr-3193	66	27	has	have	VERB
fsr-3193	66	28	nonretirement	nonretirement	ADJ
fsr-3193	66	29	investments	investment	NOUN
fsr-3193	66	30	)	)	PUNCT
fsr-3193	66	31	and	and	CCONJ
fsr-3193	66	32	greater	great	ADJ
fsr-3193	66	33	credit	credit	NOUN
fsr-3193	66	34	card	card	NOUN
fsr-3193	66	35	behaviors	behavior	NOUN
fsr-3193	66	36	(	(	PUNCT
fsr-3193	66	37	e.g.	e.g.	ADV
fsr-3193	66	38	,	,	PUNCT
fsr-3193	66	39	not	not	PART
fsr-3193	66	40	paying	pay	VERB
fsr-3193	66	41	balance	balance	NOUN
fsr-3193	66	42	in	in	ADP
fsr-3193	66	43	full	full	ADJ
fsr-3193	66	44	,	,	PUNCT
fsr-3193	66	45	paying	pay	VERB
fsr-3193	66	46	38	38	NUM
fsr-3193	66	47	m.	m.	NOUN
fsr-3193	66	48	j.	j.	PROPN
fsr-3193	66	49	wilmarth	wilmarth	PROPN
fsr-3193	66	50	et	et	PROPN
fsr-3193	66	51	al	al	PROPN
fsr-3193	66	52	.	.	PUNCT
fsr-3193	66	53	/	/	SYM
fsr-3193	66	54	financial	financial	ADJ
fsr-3193	66	55	services	service	NOUN
fsr-3193	66	56	review	review	VERB
fsr-3193	66	57	31	31	NUM
fsr-3193	66	58	(	(	PUNCT
fsr-3193	66	59	2023	2023	NUM
fsr-3193	66	60	)	)	PUNCT
fsr-3193	66	61	35–54	35–54	NUM
fsr-3193	66	62	a	a	DET
fsr-3193	66	63	late	late	ADJ
fsr-3193	66	64	fee	fee	NOUN
fsr-3193	66	65	,	,	PUNCT
fsr-3193	66	66	and	and	CCONJ
fsr-3193	66	67	using	use	VERB
fsr-3193	66	68	a	a	DET
fsr-3193	66	69	cash	cash	NOUN
fsr-3193	66	70	advance	advance	NOUN
fsr-3193	66	71	)	)	PUNCT
fsr-3193	66	72	that	that	PRON
fsr-3193	66	73	were	be	AUX
fsr-3193	66	74	problematic	problematic	ADJ
fsr-3193	66	75	compared	compare	VERB
fsr-3193	66	76	with	with	ADP
fsr-3193	66	77	the	the	DET
fsr-3193	66	78	civilian	civilian	ADJ
fsr-3193	66	79	population	population	NOUN
fsr-3193	66	80	.	.	PUNCT
fsr-3193	67	1	on	on	ADP
fsr-3193	67	2	the	the	DET
fsr-3193	67	3	other	other	ADJ
fsr-3193	67	4	hand	hand	NOUN
fsr-3193	67	5	,	,	PUNCT
fsr-3193	67	6	over	over	ADP
fsr-3193	67	7	half	half	NOUN
fsr-3193	67	8	of	of	ADP
fsr-3193	67	9	military	military	ADJ
fsr-3193	67	10	households	household	NOUN
fsr-3193	67	11	(	(	PUNCT
fsr-3193	67	12	57	57	NUM
fsr-3193	67	13	%	%	NOUN
fsr-3193	67	14	;	;	PUNCT
fsr-3193	67	15	36	36	NUM
fsr-3193	67	16	%	%	NOUN
fsr-3193	67	17	for	for	ADP
fsr-3193	67	18	civilians	civilian	NOUN
fsr-3193	67	19	)	)	PUNCT
fsr-3193	67	20	did	do	AUX
fsr-3193	67	21	not	not	PART
fsr-3193	67	22	have	have	VERB
fsr-3193	67	23	difficulty	difficulty	NOUN
fsr-3193	67	24	covering	cover	VERB
fsr-3193	67	25	their	their	PRON
fsr-3193	67	26	monthly	monthly	ADJ
fsr-3193	67	27	expenses	expense	NOUN
fsr-3193	67	28	,	,	PUNCT
fsr-3193	67	29	41	41	NUM
fsr-3193	67	30	%	%	NOUN
fsr-3193	67	31	reported	report	VERB
fsr-3193	67	32	some	some	DET
fsr-3193	67	33	difficulty	difficulty	NOUN
fsr-3193	67	34	,	,	PUNCT
fsr-3193	67	35	and	and	CCONJ
fsr-3193	67	36	10	10	NUM
fsr-3193	67	37	%	%	NOUN
fsr-3193	67	38	reported	report	VERB
fsr-3193	67	39	a	a	DET
fsr-3193	67	40	great	great	ADJ
fsr-3193	67	41	deal	deal	NOUN
fsr-3193	67	42	of	of	ADP
fsr-3193	67	43	difficulty	difficulty	NOUN
fsr-3193	67	44	,	,	PUNCT
fsr-3193	67	45	much	much	ADV
fsr-3193	67	46	related	relate	VERB
fsr-3193	67	47	to	to	PART
fsr-3193	67	48	pay	pay	VERB
fsr-3193	67	49	grades	grade	NOUN
fsr-3193	67	50	(	(	PUNCT
fsr-3193	67	51	those	those	PRON
fsr-3193	67	52	in	in	ADP
fsr-3193	67	53	higher	high	ADJ
fsr-3193	67	54	pay	pay	NOUN
fsr-3193	67	55	grades	grade	NOUN
fsr-3193	67	56	had	have	VERB
fsr-3193	67	57	easier	easy	ADJ
fsr-3193	67	58	times	time	NOUN
fsr-3193	67	59	making	make	VERB
fsr-3193	68	1	ends	end	NOUN
fsr-3193	68	2	meet	meet	VERB
fsr-3193	68	3	)	)	PUNCT
fsr-3193	69	1	(	(	PUNCT
fsr-3193	69	2	finra	finra	PROPN
fsr-3193	69	3	ief	ief	PROPN
fsr-3193	69	4	,	,	PUNCT
fsr-3193	69	5	2013a	2013a	NUM
fsr-3193	69	6	,	,	PUNCT
fsr-3193	69	7	2013b	2013b	NUM
fsr-3193	69	8	)	)	PUNCT
fsr-3193	69	9	.	.	PUNCT
fsr-3193	70	1	more	more	ADJ
fsr-3193	70	2	of	of	ADP
fsr-3193	70	3	military	military	ADJ
fsr-3193	70	4	respondents	respondent	NOUN
fsr-3193	70	5	(	(	PUNCT
fsr-3193	70	6	51	51	NUM
fsr-3193	70	7	%	%	NOUN
fsr-3193	70	8	)	)	PUNCT
fsr-3193	70	9	reported	report	VERB
fsr-3193	70	10	spending	spend	VERB
fsr-3193	70	11	less	less	ADJ
fsr-3193	70	12	than	than	ADP
fsr-3193	70	13	their	their	PRON
fsr-3193	70	14	income	income	NOUN
fsr-3193	70	15	as	as	SCONJ
fsr-3193	70	16	compared	compare	VERB
fsr-3193	70	17	with	with	ADP
fsr-3193	70	18	civilians	civilian	NOUN
fsr-3193	70	19	(	(	PUNCT
fsr-3193	70	20	41	41	NUM
fsr-3193	70	21	%	%	NOUN
fsr-3193	70	22	;	;	PUNCT
fsr-3193	70	23	finra	finra	PROPN
fsr-3193	70	24	ief	ief	PROPN
fsr-3193	70	25	,	,	PUNCT
fsr-3193	70	26	2013a	2013a	NUM
fsr-3193	70	27	,	,	PUNCT
fsr-3193	70	28	2013b	2013b	NUM
fsr-3193	70	29	)	)	PUNCT
fsr-3193	70	30	.	.	PUNCT
fsr-3193	71	1	not	not	PART
fsr-3193	71	2	only	only	ADV
fsr-3193	71	3	has	have	AUX
fsr-3193	71	4	pay	pay	VERB
fsr-3193	71	5	grade	grade	NOUN
fsr-3193	71	6	within	within	ADP
fsr-3193	71	7	the	the	DET
fsr-3193	71	8	military	military	NOUN
fsr-3193	71	9	been	be	AUX
fsr-3193	71	10	found	find	VERB
fsr-3193	71	11	to	to	PART
fsr-3193	71	12	correlate	correlate	VERB
fsr-3193	71	13	with	with	ADP
fsr-3193	71	14	financial	financial	ADJ
fsr-3193	71	15	behaviors	behavior	NOUN
fsr-3193	71	16	;	;	PUNCT
fsr-3193	71	17	but	but	CCONJ
fsr-3193	71	18	also	also	ADV
fsr-3193	71	19	financial	financial	ADJ
fsr-3193	71	20	behaviors	behavior	NOUN
fsr-3193	71	21	vary	vary	VERB
fsr-3193	71	22	between	between	ADP
fsr-3193	71	23	the	the	DET
fsr-3193	71	24	branches	branch	NOUN
fsr-3193	71	25	(	(	PUNCT
fsr-3193	71	26	skimmyhorn	skimmyhorn	VERB
fsr-3193	71	27	,	,	PUNCT
fsr-3193	71	28	2014	2014	NUM
fsr-3193	71	29	)	)	PUNCT
fsr-3193	71	30	.	.	PUNCT
fsr-3193	72	1	as	as	SCONJ
fsr-3193	72	2	compared	compare	VERB
fsr-3193	72	3	with	with	ADP
fsr-3193	72	4	army	army	NOUN
fsr-3193	72	5	counterparts	counterpart	NOUN
fsr-3193	72	6	,	,	PUNCT
fsr-3193	72	7	those	those	PRON
fsr-3193	72	8	in	in	ADP
fsr-3193	72	9	the	the	DET
fsr-3193	72	10	air	air	NOUN
fsr-3193	72	11	force	force	NOUN
fsr-3193	72	12	were	be	AUX
fsr-3193	72	13	equally	equally	ADV
fsr-3193	72	14	as	as	ADV
fsr-3193	72	15	likely	likely	ADJ
fsr-3193	72	16	to	to	PART
fsr-3193	72	17	report	report	VERB
fsr-3193	72	18	spending	spend	VERB
fsr-3193	72	19	more	more	ADJ
fsr-3193	72	20	than	than	ADP
fsr-3193	72	21	their	their	PRON
fsr-3193	72	22	income	income	NOUN
fsr-3193	72	23	,	,	PUNCT
fsr-3193	72	24	while	while	SCONJ
fsr-3193	72	25	those	those	PRON
fsr-3193	72	26	in	in	ADP
fsr-3193	72	27	the	the	DET
fsr-3193	72	28	navy	navy	NOUN
fsr-3193	72	29	were	be	AUX
fsr-3193	72	30	less	less	ADV
fsr-3193	72	31	likely	likely	ADJ
fsr-3193	72	32	and	and	CCONJ
fsr-3193	72	33	marines	marine	NOUN
fsr-3193	72	34	were	be	AUX
fsr-3193	72	35	more	more	ADV
fsr-3193	72	36	likely	likely	ADJ
fsr-3193	72	37	(	(	PUNCT
fsr-3193	72	38	skimmyhorn	skimmyhorn	ADJ
fsr-3193	72	39	,	,	PUNCT
fsr-3193	72	40	2014	2014	NUM
fsr-3193	72	41	)	)	PUNCT
fsr-3193	72	42	.	.	PUNCT
fsr-3193	73	1	in	in	ADP
fsr-3193	73	2	addition	addition	NOUN
fsr-3193	73	3	,	,	PUNCT
fsr-3193	73	4	military	military	ADJ
fsr-3193	73	5	members	member	NOUN
fsr-3193	73	6	tend	tend	VERB
fsr-3193	73	7	to	to	PART
fsr-3193	73	8	be	be	AUX
fsr-3193	73	9	better	well	ADJ
fsr-3193	73	10	at	at	ADP
fsr-3193	73	11	saving	save	VERB
fsr-3193	73	12	than	than	ADP
fsr-3193	73	13	their	their	PRON
fsr-3193	73	14	civilian	civilian	ADJ
fsr-3193	73	15	counterparts	counterpart	NOUN
fsr-3193	73	16	,	,	PUNCT
fsr-3193	73	17	from	from	ADP
fsr-3193	73	18	the	the	DET
fsr-3193	73	19	2012	2012	NUM
fsr-3193	73	20	survey	survey	NOUN
fsr-3193	73	21	54	54	NUM
fsr-3193	73	22	%	%	NOUN
fsr-3193	73	23	of	of	ADP
fsr-3193	73	24	service	service	NOUN
fsr-3193	73	25	members	member	NOUN
fsr-3193	73	26	had	have	VERB
fsr-3193	73	27	an	an	DET
fsr-3193	73	28	emergency	emergency	NOUN
fsr-3193	73	29	fund	fund	NOUN
fsr-3193	73	30	to	to	PART
fsr-3193	73	31	cover	cover	VERB
fsr-3193	73	32	three	three	NUM
fsr-3193	73	33	months	month	NOUN
fsr-3193	73	34	of	of	ADP
fsr-3193	73	35	living	living	NOUN
fsr-3193	73	36	expenses	expense	NOUN
fsr-3193	73	37	,	,	PUNCT
fsr-3193	73	38	while	while	SCONJ
fsr-3193	73	39	only	only	ADV
fsr-3193	73	40	40	40	NUM
fsr-3193	73	41	%	%	NOUN
fsr-3193	73	42	of	of	ADP
fsr-3193	73	43	civilians	civilian	NOUN
fsr-3193	73	44	did	do	VERB
fsr-3193	73	45	(	(	PUNCT
fsr-3193	73	46	finra	finra	PROPN
fsr-3193	73	47	ief	ief	PROPN
fsr-3193	73	48	,	,	PUNCT
fsr-3193	73	49	2013a	2013a	NUM
fsr-3193	73	50	,	,	PUNCT
fsr-3193	73	51	2013b	2013b	NUM
fsr-3193	73	52	)	)	PUNCT
fsr-3193	73	53	.	.	PUNCT
fsr-3193	74	1	of	of	ADP
fsr-3193	74	2	those	those	PRON
fsr-3193	74	3	in	in	ADP
fsr-3193	74	4	active	active	ADJ
fsr-3193	74	5	duty	duty	NOUN
fsr-3193	74	6	,	,	PUNCT
fsr-3193	74	7	over	over	ADP
fsr-3193	74	8	half	half	NOUN
fsr-3193	74	9	(	(	PUNCT
fsr-3193	74	10	57	57	NUM
fsr-3193	74	11	%	%	NOUN
fsr-3193	74	12	)	)	PUNCT
fsr-3193	74	13	reported	report	VERB
fsr-3193	74	14	saving	save	VERB
fsr-3193	74	15	for	for	ADP
fsr-3193	74	16	retirement	retirement	NOUN
fsr-3193	74	17	(	(	PUNCT
fsr-3193	74	18	defense	defense	NOUN
fsr-3193	74	19	manpower	manpower	NOUN
fsr-3193	74	20	data	datum	NOUN
fsr-3193	74	21	center	center	NOUN
fsr-3193	74	22	,	,	PUNCT
fsr-3193	74	23	2016	2016	NUM
fsr-3193	74	24	)	)	PUNCT
fsr-3193	74	25	.	.	PUNCT
fsr-3193	75	1	focusing	focus	VERB
fsr-3193	75	2	on	on	ADP
fsr-3193	75	3	retirement	retirement	NOUN
fsr-3193	75	4	,	,	PUNCT
fsr-3193	75	5	differences	difference	NOUN
fsr-3193	75	6	between	between	ADP
fsr-3193	75	7	career	career	NOUN
fsr-3193	75	8	military	military	NOUN
fsr-3193	75	9	and	and	CCONJ
fsr-3193	75	10	noncareer	noncareer	PROPN
fsr-3193	75	11	military	military	NOUN
fsr-3193	75	12	has	have	AUX
fsr-3193	75	13	been	be	AUX
fsr-3193	75	14	identified	identify	VERB
fsr-3193	75	15	in	in	ADP
fsr-3193	75	16	terms	term	NOUN
fsr-3193	75	17	of	of	ADP
fsr-3193	75	18	total	total	ADJ
fsr-3193	75	19	family	family	NOUN
fsr-3193	75	20	income	income	NOUN
fsr-3193	75	21	,	,	PUNCT
fsr-3193	75	22	percent	percent	NOUN
fsr-3193	75	23	of	of	ADP
fsr-3193	75	24	income	income	NOUN
fsr-3193	75	25	saved	save	VERB
fsr-3193	75	26	,	,	PUNCT
fsr-3193	75	27	retirement	retirement	NOUN
fsr-3193	75	28	income	income	NOUN
fsr-3193	75	29	sources	source	NOUN
fsr-3193	75	30	,	,	PUNCT
fsr-3193	75	31	and	and	CCONJ
fsr-3193	75	32	total	total	ADJ
fsr-3193	75	33	number	number	NOUN
fsr-3193	75	34	of	of	ADP
fsr-3193	75	35	pension	pension	NOUN
fsr-3193	75	36	plans	plan	NOUN
fsr-3193	75	37	;	;	PUNCT
fsr-3193	75	38	as	as	ADV
fsr-3193	75	39	well	well	ADV
fsr-3193	75	40	as	as	ADP
fsr-3193	75	41	differences	difference	NOUN
fsr-3193	75	42	in	in	ADP
fsr-3193	75	43	financial	financial	ADJ
fsr-3193	75	44	satisfaction	satisfaction	NOUN
fsr-3193	75	45	(	(	PUNCT
fsr-3193	75	46	brunson	brunson	PROPN
fsr-3193	75	47	et	et	PROPN
fsr-3193	75	48	al	al	PROPN
fsr-3193	75	49	.	.	PROPN
fsr-3193	75	50	,	,	PUNCT
fsr-3193	75	51	1998	1998	NUM
fsr-3193	75	52	)	)	PUNCT
fsr-3193	75	53	.	.	PUNCT
fsr-3193	76	1	according	accord	VERB
fsr-3193	76	2	to	to	ADP
fsr-3193	76	3	a	a	DET
fsr-3193	76	4	recent	recent	ADJ
fsr-3193	76	5	report	report	NOUN
fsr-3193	76	6	from	from	ADP
fsr-3193	76	7	the	the	DET
fsr-3193	76	8	consumer	consumer	NOUN
fsr-3193	76	9	financial	financial	PROPN
fsr-3193	76	10	protection	protection	PROPN
fsr-3193	76	11	bureau	bureau	PROPN
fsr-3193	76	12	(	(	PUNCT
fsr-3193	76	13	cfpb	cfpb	NOUN
fsr-3193	76	14	,	,	PUNCT
fsr-3193	76	15	2019	2019	NUM
fsr-3193	76	16	)	)	PUNCT
fsr-3193	76	17	,	,	PUNCT
fsr-3193	76	18	veterans	veterans	PROPN
fsr-3193	76	19	’	’	PART
fsr-3193	76	20	financial	financial	ADJ
fsr-3193	76	21	skills	skill	NOUN
fsr-3193	76	22	and	and	CCONJ
fsr-3193	76	23	behaviors	behavior	NOUN
fsr-3193	76	24	(	(	PUNCT
fsr-3193	76	25	e.g.	e.g.	ADV
fsr-3193	76	26	,	,	PUNCT
fsr-3193	76	27	budgeting	budgeting	NOUN
fsr-3193	76	28	,	,	PUNCT
fsr-3193	76	29	spending	spend	VERB
fsr-3193	76	30	within	within	ADP
fsr-3193	76	31	budget	budget	NOUN
fsr-3193	76	32	)	)	PUNCT
fsr-3193	76	33	were	be	AUX
fsr-3193	76	34	positively	positively	ADV
fsr-3193	76	35	associated	associate	VERB
fsr-3193	76	36	with	with	ADP
fsr-3193	76	37	their	their	PRON
fsr-3193	76	38	financial	financial	ADJ
fsr-3193	76	39	situation	situation	NOUN
fsr-3193	76	40	and	and	CCONJ
fsr-3193	76	41	financial	financial	ADJ
fsr-3193	76	42	well	well	NOUN
fsr-3193	76	43	-	-	PUNCT
fsr-3193	76	44	being	being	NOUN
fsr-3193	76	45	.	.	PUNCT
fsr-3193	77	1	additionally	additionally	ADV
fsr-3193	77	2	,	,	PUNCT
fsr-3193	77	3	the	the	DET
fsr-3193	77	4	analysis	analysis	NOUN
fsr-3193	77	5	identified	identify	VERB
fsr-3193	77	6	that	that	SCONJ
fsr-3193	77	7	financial	financial	ADJ
fsr-3193	77	8	education	education	NOUN
fsr-3193	77	9	increases	increase	VERB
fsr-3193	77	10	financial	financial	ADJ
fsr-3193	77	11	behaviors	behavior	NOUN
fsr-3193	77	12	and	and	CCONJ
fsr-3193	77	13	financial	financial	ADJ
fsr-3193	77	14	well	well	NOUN
fsr-3193	77	15	-	-	PUNCT
fsr-3193	77	16	being	being	NOUN
fsr-3193	77	17	(	(	PUNCT
fsr-3193	77	18	cfpb	cfpb	NOUN
fsr-3193	77	19	,	,	PUNCT
fsr-3193	77	20	2019	2019	NUM
fsr-3193	77	21	)	)	PUNCT
fsr-3193	77	22	.	.	PUNCT
fsr-3193	78	1	2.3	2.3	NUM
fsr-3193	78	2	.	.	PUNCT
fsr-3193	79	1	research	research	NOUN
fsr-3193	79	2	questions	question	NOUN
fsr-3193	79	3	given	give	VERB
fsr-3193	79	4	the	the	DET
fsr-3193	79	5	previous	previous	ADJ
fsr-3193	79	6	studies	study	NOUN
fsr-3193	79	7	on	on	ADP
fsr-3193	79	8	financial	financial	ADJ
fsr-3193	79	9	behavior	behavior	NOUN
fsr-3193	79	10	,	,	PUNCT
fsr-3193	79	11	knowledge	knowledge	NOUN
fsr-3193	79	12	,	,	PUNCT
fsr-3193	79	13	and	and	CCONJ
fsr-3193	79	14	education	education	NOUN
fsr-3193	79	15	discussed	discuss	VERB
fsr-3193	79	16	above	above	ADV
fsr-3193	79	17	,	,	PUNCT
fsr-3193	79	18	this	this	DET
fsr-3193	79	19	study	study	NOUN
fsr-3193	79	20	extends	extend	VERB
fsr-3193	79	21	the	the	DET
fsr-3193	79	22	existing	exist	VERB
fsr-3193	79	23	literature	literature	NOUN
fsr-3193	79	24	by	by	ADP
fsr-3193	79	25	examining	examine	VERB
fsr-3193	79	26	the	the	DET
fsr-3193	79	27	associations	association	NOUN
fsr-3193	79	28	between	between	ADP
fsr-3193	79	29	financial	financial	ADJ
fsr-3193	79	30	knowledge	knowledge	NOUN
fsr-3193	79	31	and	and	CCONJ
fsr-3193	79	32	education	education	NOUN
fsr-3193	79	33	with	with	ADP
fsr-3193	79	34	financial	financial	ADJ
fsr-3193	79	35	behaviors	behavior	NOUN
fsr-3193	79	36	of	of	ADP
fsr-3193	79	37	military	military	ADJ
fsr-3193	79	38	households	household	NOUN
fsr-3193	79	39	by	by	ADP
fsr-3193	79	40	addressing	address	VERB
fsr-3193	79	41	the	the	DET
fsr-3193	79	42	following	follow	VERB
fsr-3193	79	43	research	research	NOUN
fsr-3193	79	44	questions	question	NOUN
fsr-3193	79	45	.	.	PUNCT
fsr-3193	80	1	research	research	NOUN
fsr-3193	80	2	question	question	NOUN
fsr-3193	80	3	(	(	PUNCT
fsr-3193	80	4	rq	rq	NOUN
fsr-3193	80	5	)	)	PUNCT
fsr-3193	80	6	1	1	NUM
fsr-3193	80	7	:	:	PUNCT
fsr-3193	80	8	are	be	AUX
fsr-3193	80	9	financial	financial	ADJ
fsr-3193	80	10	knowledge	knowledge	NOUN
fsr-3193	80	11	and	and	CCONJ
fsr-3193	80	12	financial	financial	ADJ
fsr-3193	80	13	education	education	NOUN
fsr-3193	80	14	associated	associate	VERB
fsr-3193	80	15	with	with	ADP
fsr-3193	80	16	positive	positive	ADJ
fsr-3193	80	17	short	short	ADJ
fsr-3193	80	18	-	-	PUNCT
fsr-3193	80	19	term	term	NOUN
fsr-3193	80	20	financial	financial	ADJ
fsr-3193	80	21	behaviors	behavior	NOUN
fsr-3193	80	22	of	of	ADP
fsr-3193	80	23	military	military	ADJ
fsr-3193	80	24	households	household	NOUN
fsr-3193	80	25	?	?	PUNCT
fsr-3193	81	1	research	research	NOUN
fsr-3193	81	2	question	question	NOUN
fsr-3193	81	3	(	(	PUNCT
fsr-3193	81	4	rq	rq	NOUN
fsr-3193	81	5	)	)	PUNCT
fsr-3193	81	6	2	2	NUM
fsr-3193	81	7	:	:	PUNCT
fsr-3193	81	8	are	be	AUX
fsr-3193	81	9	financial	financial	ADJ
fsr-3193	81	10	knowledge	knowledge	NOUN
fsr-3193	81	11	and	and	CCONJ
fsr-3193	81	12	financial	financial	ADJ
fsr-3193	81	13	education	education	NOUN
fsr-3193	81	14	associated	associate	VERB
fsr-3193	81	15	with	with	ADP
fsr-3193	81	16	positive	positive	ADJ
fsr-3193	81	17	long	long	ADJ
fsr-3193	81	18	-	-	PUNCT
fsr-3193	81	19	term	term	NOUN
fsr-3193	81	20	financial	financial	ADJ
fsr-3193	81	21	behaviors	behavior	NOUN
fsr-3193	81	22	of	of	ADP
fsr-3193	81	23	military	military	ADJ
fsr-3193	81	24	households	household	NOUN
fsr-3193	81	25	?	?	PUNCT
fsr-3193	82	1	3	3	X
fsr-3193	82	2	.	.	X
fsr-3193	82	3	method	method	PROPN
fsr-3193	82	4	3.1	3.1	NUM
fsr-3193	82	5	.	.	PUNCT
fsr-3193	83	1	dataset	dataset	NOUN
fsr-3193	83	2	and	and	CCONJ
fsr-3193	83	3	sample	sample	NOUN
fsr-3193	83	4	selection	selection	NOUN
fsr-3193	83	5	the	the	DET
fsr-3193	83	6	data	datum	NOUN
fsr-3193	83	7	used	use	VERB
fsr-3193	83	8	for	for	ADP
fsr-3193	83	9	this	this	DET
fsr-3193	83	10	study	study	NOUN
fsr-3193	83	11	came	come	VERB
fsr-3193	83	12	from	from	ADP
fsr-3193	83	13	the	the	DET
fsr-3193	83	14	2018	2018	NUM
fsr-3193	83	15	national	national	ADJ
fsr-3193	83	16	financial	financial	ADJ
fsr-3193	83	17	capability	capability	NOUN
fsr-3193	83	18	study	study	NOUN
fsr-3193	83	19	(	(	PUNCT
fsr-3193	83	20	nfcs	nfcs	PROPN
fsr-3193	83	21	)	)	PUNCT
fsr-3193	83	22	state	state	NOUN
fsr-3193	83	23	-	-	PUNCT
fsr-3193	83	24	by	by	ADP
fsr-3193	83	25	-	-	PUNCT
fsr-3193	83	26	state	state	NOUN
fsr-3193	83	27	survey	survey	NOUN
fsr-3193	83	28	instrument	instrument	NOUN
fsr-3193	83	29	sponsored	sponsor	VERB
fsr-3193	83	30	by	by	ADP
fsr-3193	83	31	the	the	DET
fsr-3193	83	32	financial	financial	ADJ
fsr-3193	83	33	industry	industry	NOUN
fsr-3193	83	34	regulatory	regulatory	ADJ
fsr-3193	83	35	m.	m.	NOUN
fsr-3193	83	36	j.	j.	PROPN
fsr-3193	83	37	wilmarth	wilmarth	PROPN
fsr-3193	83	38	et	et	PROPN
fsr-3193	83	39	al	al	PROPN
fsr-3193	83	40	.	.	PUNCT
fsr-3193	83	41	/	/	SYM
fsr-3193	83	42	financial	financial	ADJ
fsr-3193	83	43	services	service	NOUN
fsr-3193	83	44	review	review	VERB
fsr-3193	83	45	31	31	NUM
fsr-3193	83	46	(	(	PUNCT
fsr-3193	83	47	2023	2023	NUM
fsr-3193	83	48	)	)	PUNCT
fsr-3193	83	49	35–54	35–54	NUM
fsr-3193	83	50	39	39	NUM
fsr-3193	83	51	authority	authority	NOUN
fsr-3193	83	52	(	(	PUNCT
fsr-3193	83	53	finra	finra	PROPN
fsr-3193	83	54	)	)	PUNCT
fsr-3193	83	55	.	.	PUNCT
fsr-3193	84	1	the	the	DET
fsr-3193	84	2	questionnaire	questionnaire	NOUN
fsr-3193	84	3	was	be	AUX
fsr-3193	84	4	administered	administer	VERB
fsr-3193	84	5	on	on	ADP
fsr-3193	84	6	a	a	DET
fsr-3193	84	7	state	state	NOUN
fsr-3193	84	8	-	-	PUNCT
fsr-3193	84	9	by	by	ADP
fsr-3193	84	10	-	-	PUNCT
fsr-3193	84	11	state	state	NOUN
fsr-3193	84	12	basis	basis	NOUN
fsr-3193	84	13	to	to	PART
fsr-3193	84	14	achieve	achieve	VERB
fsr-3193	84	15	approximately	approximately	ADV
fsr-3193	84	16	500	500	NUM
fsr-3193	84	17	observations	observation	NOUN
fsr-3193	84	18	from	from	ADP
fsr-3193	84	19	each	each	DET
fsr-3193	84	20	state	state	NOUN
fsr-3193	84	21	and	and	CCONJ
fsr-3193	84	22	the	the	DET
fsr-3193	84	23	district	district	NOUN
fsr-3193	84	24	of	of	ADP
fsr-3193	84	25	columbia	columbia	PROPN
fsr-3193	84	26	and	and	CCONJ
fsr-3193	84	27	was	be	AUX
fsr-3193	84	28	designed	design	VERB
fsr-3193	84	29	to	to	PART
fsr-3193	84	30	assist	assist	VERB
fsr-3193	84	31	in	in	ADP
fsr-3193	84	32	better	well	ADJ
fsr-3193	84	33	understanding	understand	VERB
fsr-3193	84	34	financial	financial	ADJ
fsr-3193	84	35	capability	capability	NOUN
fsr-3193	84	36	in	in	ADP
fsr-3193	84	37	the	the	DET
fsr-3193	84	38	united	united	PROPN
fsr-3193	84	39	states	states	PROPN
fsr-3193	84	40	(	(	PUNCT
fsr-3193	84	41	mottola	mottola	PROPN
fsr-3193	84	42	&	&	CCONJ
fsr-3193	84	43	kieffer	kieffer	PROPN
fsr-3193	84	44	,	,	PUNCT
fsr-3193	84	45	2017	2017	NUM
fsr-3193	84	46	)	)	PUNCT
fsr-3193	84	47	.	.	PUNCT
fsr-3193	85	1	the	the	DET
fsr-3193	85	2	self	self	NOUN
fsr-3193	85	3	-	-	PUNCT
fsr-3193	85	4	reported	report	VERB
fsr-3193	85	5	data	datum	NOUN
fsr-3193	85	6	were	be	AUX
fsr-3193	85	7	collected	collect	VERB
fsr-3193	85	8	from	from	ADP
fsr-3193	85	9	june	june	PROPN
fsr-3193	85	10	through	through	ADP
fsr-3193	85	11	october	october	PROPN
fsr-3193	85	12	in	in	ADP
fsr-3193	85	13	2018	2018	NUM
fsr-3193	85	14	(	(	PUNCT
fsr-3193	85	15	finra	finra	PROPN
fsr-3193	85	16	ief	ief	PROPN
fsr-3193	85	17	,	,	PUNCT
fsr-3193	85	18	2019	2019	NUM
fsr-3193	85	19	)	)	PUNCT
fsr-3193	85	20	.	.	PUNCT
fsr-3193	86	1	the	the	DET
fsr-3193	86	2	total	total	ADJ
fsr-3193	86	3	sample	sample	NOUN
fsr-3193	86	4	size	size	NOUN
fsr-3193	86	5	of	of	ADP
fsr-3193	86	6	the	the	DET
fsr-3193	86	7	2018	2018	NUM
fsr-3193	86	8	nfcs	nfc	NOUN
fsr-3193	86	9	is	be	AUX
fsr-3193	86	10	27,091	27,091	NUM
fsr-3193	86	11	and	and	CCONJ
fsr-3193	86	12	this	this	DET
fsr-3193	86	13	study	study	NOUN
fsr-3193	86	14	includes	include	VERB
fsr-3193	86	15	20,796	20,796	NUM
fsr-3193	86	16	;	;	PUNCT
fsr-3193	86	17	observations	observation	NOUN
fsr-3193	86	18	were	be	AUX
fsr-3193	86	19	dropped	drop	VERB
fsr-3193	86	20	from	from	ADP
fsr-3193	86	21	the	the	DET
fsr-3193	86	22	sample	sample	NOUN
fsr-3193	86	23	if	if	SCONJ
fsr-3193	86	24	the	the	DET
fsr-3193	86	25	respondent	respondent	NOUN
fsr-3193	86	26	chose	choose	VERB
fsr-3193	86	27	“	"	PUNCT
fsr-3193	86	28	prefer	prefer	VERB
fsr-3193	86	29	not	not	PART
fsr-3193	86	30	to	to	PART
fsr-3193	86	31	say	say	VERB
fsr-3193	86	32	”	"	PUNCT
fsr-3193	86	33	for	for	ADP
fsr-3193	86	34	the	the	DET
fsr-3193	86	35	objective	objective	ADJ
fsr-3193	86	36	financial	financial	ADJ
fsr-3193	86	37	knowledge	knowledge	NOUN
fsr-3193	86	38	and	and	CCONJ
fsr-3193	86	39	financial	financial	ADJ
fsr-3193	86	40	behavior	behavior	NOUN
fsr-3193	86	41	questions	question	NOUN
fsr-3193	86	42	and/or	and/or	CCONJ
fsr-3193	86	43	answered	answer	VERB
fsr-3193	86	44	“	"	PUNCT
fsr-3193	86	45	prefer	prefer	VERB
fsr-3193	86	46	not	not	PART
fsr-3193	86	47	to	to	PART
fsr-3193	86	48	say	say	VERB
fsr-3193	86	49	”	"	PUNCT
fsr-3193	86	50	or	or	CCONJ
fsr-3193	86	51	“	"	PUNCT
fsr-3193	86	52	do	do	AUX
fsr-3193	86	53	n’t	not	PART
fsr-3193	86	54	know	know	VERB
fsr-3193	86	55	”	"	PUNCT
fsr-3193	86	56	for	for	ADP
fsr-3193	86	57	the	the	DET
fsr-3193	86	58	subjective	subjective	ADJ
fsr-3193	86	59	knowledge	knowledge	NOUN
fsr-3193	86	60	and	and	CCONJ
fsr-3193	86	61	financial	financial	ADJ
fsr-3193	86	62	education	education	NOUN
fsr-3193	86	63	questions	question	NOUN
fsr-3193	86	64	.	.	PUNCT
fsr-3193	87	1	the	the	DET
fsr-3193	87	2	main	main	ADJ
fsr-3193	87	3	analytic	analytic	ADJ
fsr-3193	87	4	sample	sample	NOUN
fsr-3193	87	5	of	of	ADP
fsr-3193	87	6	those	those	PRON
fsr-3193	87	7	with	with	ADP
fsr-3193	87	8	military	military	ADJ
fsr-3193	87	9	experience	experience	NOUN
fsr-3193	87	10	includes	include	VERB
fsr-3193	87	11	3,045	3,045	NUM
fsr-3193	87	12	households	household	NOUN
fsr-3193	87	13	,	,	PUNCT
fsr-3193	87	14	including	include	VERB
fsr-3193	87	15	only	only	ADJ
fsr-3193	87	16	households	household	NOUN
fsr-3193	87	17	with	with	ADP
fsr-3193	87	18	a	a	DET
fsr-3193	87	19	head	head	NOUN
fsr-3193	87	20	of	of	ADP
fsr-3193	87	21	household	household	NOUN
fsr-3193	87	22	who	who	PRON
fsr-3193	87	23	is	be	AUX
fsr-3193	87	24	active	active	ADJ
fsr-3193	87	25	duty	duty	NOUN
fsr-3193	87	26	or	or	CCONJ
fsr-3193	87	27	previously	previously	ADV
fsr-3193	87	28	a	a	DET
fsr-3193	87	29	member	member	NOUN
fsr-3193	87	30	of	of	ADP
fsr-3193	87	31	the	the	DET
fsr-3193	87	32	u.s	u.s	PROPN
fsr-3193	87	33	.	.	PROPN
fsr-3193	87	34	armed	armed	PROPN
fsr-3193	87	35	service	service	NOUN
fsr-3193	87	36	.	.	PUNCT
fsr-3193	88	1	within	within	ADP
fsr-3193	88	2	our	our	PRON
fsr-3193	88	3	analytic	analytic	ADJ
fsr-3193	88	4	sample	sample	NOUN
fsr-3193	88	5	,	,	PUNCT
fsr-3193	88	6	631	631	NUM
fsr-3193	88	7	were	be	AUX
fsr-3193	88	8	active	active	ADJ
fsr-3193	88	9	duty	duty	NOUN
fsr-3193	88	10	in	in	ADP
fsr-3193	88	11	the	the	DET
fsr-3193	88	12	u.s	u.s	PROPN
fsr-3193	88	13	.	.	PROPN
fsr-3193	88	14	armed	armed	ADJ
fsr-3193	88	15	services	service	NOUN
fsr-3193	88	16	,	,	PUNCT
fsr-3193	88	17	while	while	SCONJ
fsr-3193	88	18	2,413	2,413	NUM
fsr-3193	88	19	were	be	AUX
fsr-3193	88	20	formerly	formerly	ADV
fsr-3193	88	21	members	member	NOUN
fsr-3193	88	22	of	of	ADP
fsr-3193	88	23	the	the	DET
fsr-3193	88	24	armed	armed	ADJ
fsr-3193	88	25	services	service	NOUN
fsr-3193	88	26	.	.	PUNCT
fsr-3193	89	1	as	as	ADP
fsr-3193	89	2	a	a	DET
fsr-3193	89	3	reference	reference	NOUN
fsr-3193	89	4	group	group	NOUN
fsr-3193	89	5	,	,	PUNCT
fsr-3193	89	6	we	we	PRON
fsr-3193	89	7	conducted	conduct	VERB
fsr-3193	89	8	the	the	DET
fsr-3193	89	9	analyses	analysis	NOUN
fsr-3193	89	10	with	with	ADP
fsr-3193	89	11	civilian	civilian	ADJ
fsr-3193	89	12	households	household	NOUN
fsr-3193	89	13	(	(	PUNCT
fsr-3193	89	14	n	n	NOUN
fsr-3193	89	15	=	=	NUM
fsr-3193	89	16	17,751	17,751	NUM
fsr-3193	89	17	)	)	PUNCT
fsr-3193	89	18	.	.	PUNCT
fsr-3193	90	1	3.2	3.2	NUM
fsr-3193	90	2	.	.	PUNCT
fsr-3193	91	1	dependent	dependent	ADJ
fsr-3193	91	2	variables	variable	VERB
fsr-3193	91	3	two	two	NUM
fsr-3193	91	4	key	key	ADJ
fsr-3193	91	5	dependent	dependent	ADJ
fsr-3193	91	6	variables	variable	NOUN
fsr-3193	91	7	were	be	AUX
fsr-3193	91	8	investigated	investigate	VERB
fsr-3193	91	9	,	,	PUNCT
fsr-3193	91	10	long	long	ADJ
fsr-3193	91	11	-	-	PUNCT
fsr-3193	91	12	term	term	NOUN
fsr-3193	91	13	and	and	CCONJ
fsr-3193	91	14	short	short	ADJ
fsr-3193	91	15	-	-	PUNCT
fsr-3193	91	16	term	term	NOUN
fsr-3193	91	17	financial	financial	ADJ
fsr-3193	91	18	behaviors	behavior	NOUN
fsr-3193	91	19	as	as	SCONJ
fsr-3193	91	20	measured	measure	VERB
fsr-3193	91	21	by	by	ADP
fsr-3193	91	22	henager	henager	NOUN
fsr-3193	91	23	and	and	CCONJ
fsr-3193	91	24	cude	cude	ADJ
fsr-3193	91	25	(	(	PUNCT
fsr-3193	91	26	2016	2016	NUM
fsr-3193	91	27	)	)	PUNCT
fsr-3193	91	28	and	and	CCONJ
fsr-3193	91	29	kim	kim	PROPN
fsr-3193	91	30	et	et	PROPN
fsr-3193	91	31	al	al	PROPN
fsr-3193	91	32	.	.	PROPN
fsr-3193	92	1	(	(	PUNCT
fsr-3193	92	2	2019	2019	NUM
fsr-3193	92	3	)	)	PUNCT
fsr-3193	92	4	.	.	PUNCT
fsr-3193	93	1	the	the	DET
fsr-3193	93	2	2018	2018	NUM
fsr-3193	93	3	nfcs	nfc	NOUN
fsr-3193	93	4	collects	collect	VERB
fsr-3193	93	5	one	one	NUM
fsr-3193	93	6	new	new	ADJ
fsr-3193	93	7	question	question	NOUN
fsr-3193	93	8	,	,	PUNCT
fsr-3193	93	9	“	"	PUNCT
fsr-3193	93	10	do	do	AUX
fsr-3193	93	11	you	you	PRON
fsr-3193	93	12	currently	currently	ADV
fsr-3193	93	13	have	have	VERB
fsr-3193	93	14	a	a	DET
fsr-3193	93	15	will	will	NOUN
fsr-3193	93	16	?	?	PUNCT
fsr-3193	93	17	”	"	PUNCT
fsr-3193	94	1	and	and	CCONJ
fsr-3193	94	2	we	we	PRON
fsr-3193	94	3	adopted	adopt	VERB
fsr-3193	94	4	this	this	DET
fsr-3193	94	5	variable	variable	NOUN
fsr-3193	94	6	as	as	ADP
fsr-3193	94	7	one	one	NUM
fsr-3193	94	8	of	of	ADP
fsr-3193	94	9	long	long	ADJ
fsr-3193	94	10	-	-	PUNCT
fsr-3193	94	11	term	term	NOUN
fsr-3193	94	12	financial	financial	ADJ
fsr-3193	94	13	behaviors	behavior	NOUN
fsr-3193	94	14	.	.	PUNCT
fsr-3193	95	1	the	the	DET
fsr-3193	95	2	long	long	ADJ
fsr-3193	95	3	-	-	PUNCT
fsr-3193	95	4	term	term	NOUN
fsr-3193	95	5	financial	financial	ADJ
fsr-3193	95	6	behavior	behavior	NOUN
fsr-3193	95	7	index	index	NOUN
fsr-3193	95	8	was	be	AUX
fsr-3193	95	9	created	create	VERB
fsr-3193	95	10	based	base	VERB
fsr-3193	95	11	on	on	ADP
fsr-3193	95	12	responses	response	NOUN
fsr-3193	95	13	to	to	ADP
fsr-3193	95	14	four	four	NUM
fsr-3193	95	15	questions	question	NOUN
fsr-3193	95	16	asking	ask	VERB
fsr-3193	95	17	if	if	SCONJ
fsr-3193	95	18	the	the	DET
fsr-3193	95	19	respondent	respondent	NOUN
fsr-3193	95	20	had	have	AUX
fsr-3193	95	21	ever	ever	ADV
fsr-3193	95	22	done	do	VERB
fsr-3193	95	23	any	any	DET
fsr-3193	95	24	planning	planning	NOUN
fsr-3193	95	25	to	to	PART
fsr-3193	95	26	evaluate	evaluate	VERB
fsr-3193	95	27	the	the	DET
fsr-3193	95	28	amount	amount	NOUN
fsr-3193	95	29	needed	need	VERB
fsr-3193	95	30	for	for	ADP
fsr-3193	95	31	their	their	PRON
fsr-3193	95	32	retirement	retirement	NOUN
fsr-3193	95	33	,	,	PUNCT
fsr-3193	95	34	owned	own	VERB
fsr-3193	95	35	any	any	DET
fsr-3193	95	36	retirement	retirement	NOUN
fsr-3193	95	37	plans	plan	NOUN
fsr-3193	95	38	,	,	PUNCT
fsr-3193	95	39	owned	own	VERB
fsr-3193	95	40	any	any	DET
fsr-3193	95	41	investments	investment	NOUN
fsr-3193	95	42	outside	outside	ADP
fsr-3193	95	43	of	of	ADP
fsr-3193	95	44	their	their	PRON
fsr-3193	95	45	retirement	retirement	NOUN
fsr-3193	95	46	accounts	account	NOUN
fsr-3193	95	47	,	,	PUNCT
fsr-3193	95	48	and	and	CCONJ
fsr-3193	95	49	had	have	VERB
fsr-3193	95	50	a	a	DET
fsr-3193	95	51	will	will	NOUN
fsr-3193	95	52	.	.	PUNCT
fsr-3193	96	1	the	the	DET
fsr-3193	96	2	short	short	ADJ
fsr-3193	96	3	-	-	PUNCT
fsr-3193	96	4	term	term	NOUN
fsr-3193	96	5	financial	financial	ADJ
fsr-3193	96	6	behavior	behavior	NOUN
fsr-3193	96	7	index	index	NOUN
fsr-3193	96	8	was	be	AUX
fsr-3193	96	9	created	create	VERB
fsr-3193	96	10	based	base	VERB
fsr-3193	96	11	on	on	ADP
fsr-3193	96	12	four	four	NUM
fsr-3193	96	13	questions	question	NOUN
fsr-3193	96	14	asking	ask	VERB
fsr-3193	96	15	if	if	SCONJ
fsr-3193	96	16	the	the	DET
fsr-3193	96	17	respondent	respondent	NOUN
fsr-3193	96	18	had	have	VERB
fsr-3193	96	19	an	an	DET
fsr-3193	96	20	emergency	emergency	NOUN
fsr-3193	96	21	fund	fund	NOUN
fsr-3193	96	22	,	,	PUNCT
fsr-3193	96	23	spent	spend	VERB
fsr-3193	96	24	less	less	ADJ
fsr-3193	96	25	than	than	ADP
fsr-3193	96	26	or	or	CCONJ
fsr-3193	96	27	equal	equal	ADJ
fsr-3193	96	28	to	to	ADP
fsr-3193	96	29	their	their	PRON
fsr-3193	96	30	income	income	NOUN
fsr-3193	96	31	,	,	PUNCT
fsr-3193	96	32	did	do	AUX
fsr-3193	96	33	not	not	PART
fsr-3193	96	34	overdraw	overdraw	VERB
fsr-3193	96	35	their	their	PRON
fsr-3193	96	36	checking	checking	NOUN
fsr-3193	96	37	account	account	NOUN
fsr-3193	96	38	occasionally	occasionally	ADV
fsr-3193	96	39	,	,	PUNCT
fsr-3193	96	40	and	and	CCONJ
fsr-3193	96	41	used	use	VERB
fsr-3193	96	42	a	a	DET
fsr-3193	96	43	budget	budget	NOUN
fsr-3193	96	44	.	.	PUNCT
fsr-3193	97	1	for	for	ADP
fsr-3193	97	2	each	each	DET
fsr-3193	97	3	index	index	NOUN
fsr-3193	97	4	,	,	PUNCT
fsr-3193	97	5	the	the	DET
fsr-3193	97	6	four	four	NUM
fsr-3193	97	7	variables	variable	NOUN
fsr-3193	97	8	were	be	AUX
fsr-3193	97	9	coded	code	VERB
fsr-3193	97	10	as	as	ADP
fsr-3193	97	11	binary	binary	ADJ
fsr-3193	97	12	variables	variable	NOUN
fsr-3193	97	13	,	,	PUNCT
fsr-3193	97	14	one	one	NUM
fsr-3193	97	15	indicating	indicate	VERB
fsr-3193	97	16	the	the	DET
fsr-3193	97	17	financial	financial	ADJ
fsr-3193	97	18	behavior	behavior	NOUN
fsr-3193	97	19	.	.	PUNCT
fsr-3193	98	1	the	the	DET
fsr-3193	98	2	responses	response	NOUN
fsr-3193	98	3	were	be	AUX
fsr-3193	98	4	summed	sum	VERB
fsr-3193	98	5	to	to	PART
fsr-3193	98	6	create	create	VERB
fsr-3193	98	7	the	the	DET
fsr-3193	98	8	two	two	NUM
fsr-3193	98	9	indices	index	NOUN
fsr-3193	98	10	;	;	PUNCT
fsr-3193	98	11	each	each	DET
fsr-3193	98	12	index	index	NOUN
fsr-3193	98	13	ranging	range	VERB
fsr-3193	98	14	0–4	0–4	PROPN
fsr-3193	98	15	.	.	PUNCT
fsr-3193	99	1	the	the	DET
fsr-3193	99	2	four	four	NUM
fsr-3193	99	3	items	item	NOUN
fsr-3193	99	4	included	include	VERB
fsr-3193	99	5	in	in	ADP
fsr-3193	99	6	each	each	DET
fsr-3193	99	7	index	index	NOUN
fsr-3193	99	8	were	be	AUX
fsr-3193	99	9	equally	equally	ADV
fsr-3193	99	10	weighted	weight	VERB
fsr-3193	99	11	in	in	ADP
fsr-3193	99	12	the	the	DET
fsr-3193	99	13	summation	summation	NOUN
fsr-3193	99	14	of	of	ADP
fsr-3193	99	15	items	item	NOUN
fsr-3193	99	16	.	.	PUNCT
fsr-3193	100	1	3.3	3.3	NUM
fsr-3193	100	2	.	.	PUNCT
fsr-3193	101	1	independent	independent	ADJ
fsr-3193	101	2	variables	variable	NOUN
fsr-3193	101	3	key	key	ADJ
fsr-3193	101	4	independent	independent	ADJ
fsr-3193	101	5	variables	variable	NOUN
fsr-3193	101	6	reflect	reflect	VERB
fsr-3193	101	7	the	the	DET
fsr-3193	101	8	level	level	NOUN
fsr-3193	101	9	of	of	ADP
fsr-3193	101	10	financial	financial	ADJ
fsr-3193	101	11	knowledge	knowledge	NOUN
fsr-3193	101	12	,	,	PUNCT
fsr-3193	101	13	financial	financial	ADJ
fsr-3193	101	14	education	education	NOUN
fsr-3193	101	15	,	,	PUNCT
fsr-3193	101	16	and	and	CCONJ
fsr-3193	101	17	years	year	NOUN
fsr-3193	101	18	since	since	SCONJ
fsr-3193	101	19	military	military	ADJ
fsr-3193	101	20	completion	completion	NOUN
fsr-3193	101	21	.	.	PUNCT
fsr-3193	102	1	objective	objective	ADJ
fsr-3193	102	2	financial	financial	ADJ
fsr-3193	102	3	knowledge	knowledge	NOUN
fsr-3193	102	4	was	be	AUX
fsr-3193	102	5	based	base	VERB
fsr-3193	102	6	on	on	ADP
fsr-3193	102	7	the	the	DET
fsr-3193	102	8	number	number	NOUN
fsr-3193	102	9	of	of	ADP
fsr-3193	102	10	correct	correct	ADJ
fsr-3193	102	11	answers	answer	NOUN
fsr-3193	102	12	to	to	ADP
fsr-3193	102	13	the	the	DET
fsr-3193	102	14	six	six	NUM
fsr-3193	102	15	questions	question	NOUN
fsr-3193	102	16	in	in	ADP
fsr-3193	102	17	the	the	DET
fsr-3193	102	18	survey	survey	NOUN
fsr-3193	102	19	(	(	PUNCT
fsr-3193	102	20	ranging	range	VERB
fsr-3193	102	21	0–6	0–6	NOUN
fsr-3193	102	22	)	)	PUNCT
fsr-3193	102	23	and	and	CCONJ
fsr-3193	102	24	subjective	subjective	ADJ
fsr-3193	102	25	financial	financial	ADJ
fsr-3193	102	26	knowledge	knowledge	NOUN
fsr-3193	102	27	was	be	AUX
fsr-3193	102	28	based	base	VERB
fsr-3193	102	29	on	on	ADP
fsr-3193	102	30	a	a	DET
fsr-3193	102	31	scale	scale	NOUN
fsr-3193	102	32	of	of	ADP
fsr-3193	102	33	1	1	NUM
fsr-3193	102	34	=	=	SYM
fsr-3193	102	35	very	very	ADV
fsr-3193	102	36	low	low	ADJ
fsr-3193	102	37	to	to	ADP
fsr-3193	102	38	7	7	NUM
fsr-3193	102	39	=	=	SYM
fsr-3193	102	40	very	very	ADV
fsr-3193	102	41	high	high	ADJ
fsr-3193	102	42	.	.	PUNCT
fsr-3193	103	1	whether	whether	SCONJ
fsr-3193	103	2	the	the	DET
fsr-3193	103	3	respondent	respondent	NOUN
fsr-3193	103	4	reported	report	VERB
fsr-3193	103	5	having	having	AUX
fsr-3193	103	6	received	receive	VERB
fsr-3193	103	7	and	and	CCONJ
fsr-3193	103	8	participated	participate	VERB
fsr-3193	103	9	in	in	ADP
fsr-3193	103	10	financial	financial	ADJ
fsr-3193	103	11	education	education	NOUN
fsr-3193	103	12	was	be	AUX
fsr-3193	103	13	coded	code	VERB
fsr-3193	103	14	with	with	ADP
fsr-3193	103	15	1	1	NUM
fsr-3193	103	16	=	=	SYM
fsr-3193	103	17	yes	yes	INTJ
fsr-3193	103	18	,	,	PUNCT
fsr-3193	103	19	0	0	NUM
fsr-3193	104	1	=	=	SYM
fsr-3193	104	2	no	no	INTJ
fsr-3193	104	3	.	.	PUNCT
fsr-3193	105	1	the	the	DET
fsr-3193	105	2	exact	exact	ADJ
fsr-3193	105	3	wording	wording	NOUN
fsr-3193	105	4	of	of	ADP
fsr-3193	105	5	variables	variable	NOUN
fsr-3193	105	6	in	in	ADP
fsr-3193	105	7	the	the	DET
fsr-3193	105	8	survey	survey	NOUN
fsr-3193	105	9	can	can	AUX
fsr-3193	105	10	be	be	AUX
fsr-3193	105	11	found	find	VERB
fsr-3193	105	12	in	in	ADP
fsr-3193	105	13	the	the	DET
fsr-3193	105	14	appendix	appendix	NOUN
fsr-3193	105	15	.	.	PUNCT
fsr-3193	106	1	additionally	additionally	ADV
fsr-3193	106	2	,	,	PUNCT
fsr-3193	106	3	two	two	NUM
fsr-3193	106	4	variables	variable	NOUN
fsr-3193	106	5	were	be	AUX
fsr-3193	106	6	included	include	VERB
fsr-3193	106	7	to	to	PART
fsr-3193	106	8	categorize	categorize	VERB
fsr-3193	106	9	military	military	ADJ
fsr-3193	106	10	groups	group	NOUN
fsr-3193	106	11	.	.	PUNCT
fsr-3193	107	1	one	one	NUM
fsr-3193	107	2	category	category	NOUN
fsr-3193	107	3	included	include	VERB
fsr-3193	107	4	years	year	NOUN
fsr-3193	107	5	since	since	SCONJ
fsr-3193	107	6	military	military	ADJ
fsr-3193	107	7	completion	completion	NOUN
fsr-3193	107	8	was	be	AUX
fsr-3193	107	9	categorized	categorize	VERB
fsr-3193	107	10	as	as	SCONJ
fsr-3193	107	11	follows	follow	VERB
fsr-3193	107	12	;	;	PUNCT
fsr-3193	107	13	the	the	DET
fsr-3193	107	14	respondent	respondent	NOUN
fsr-3193	107	15	completed	complete	VERB
fsr-3193	107	16	military	military	ADJ
fsr-3193	107	17	service	service	NOUN
fsr-3193	107	18	in	in	ADP
fsr-3193	107	19	the	the	DET
fsr-3193	107	20	past	past	ADJ
fsr-3193	107	21	year	year	NOUN
fsr-3193	107	22	,	,	PUNCT
fsr-3193	107	23	1–3	1–3	NUM
fsr-3193	107	24	years	year	NOUN
fsr-3193	107	25	,	,	PUNCT
fsr-3193	107	26	4–10	4–10	NOUN
fsr-3193	107	27	years	year	NOUN
fsr-3193	107	28	,	,	PUNCT
fsr-3193	107	29	more	more	ADJ
fsr-3193	107	30	than	than	ADP
fsr-3193	107	31	10	10	NUM
fsr-3193	107	32	years	year	NOUN
fsr-3193	107	33	,	,	PUNCT
fsr-3193	107	34	and	and	CCONJ
fsr-3193	107	35	currently	currently	ADV
fsr-3193	107	36	active	active	ADJ
fsr-3193	107	37	duty	duty	NOUN
fsr-3193	107	38	(	(	PUNCT
fsr-3193	107	39	reference	reference	NOUN
fsr-3193	107	40	)	)	PUNCT
fsr-3193	107	41	.	.	PUNCT
fsr-3193	108	1	the	the	DET
fsr-3193	108	2	other	other	ADJ
fsr-3193	108	3	category	category	NOUN
fsr-3193	108	4	for	for	ADP
fsr-3193	108	5	types	type	NOUN
fsr-3193	108	6	of	of	ADP
fsr-3193	108	7	military	military	ADJ
fsr-3193	108	8	service	service	NOUN
fsr-3193	108	9	grouped	group	VERB
fsr-3193	108	10	respondents	respondent	NOUN
fsr-3193	108	11	into	into	ADP
fsr-3193	108	12	branches	branch	NOUN
fsr-3193	108	13	of	of	ADP
fsr-3193	108	14	service	service	NOUN
fsr-3193	108	15	;	;	PUNCT
fsr-3193	108	16	army	army	NOUN
fsr-3193	108	17	,	,	PUNCT
fsr-3193	108	18	navy	navy	PROPN
fsr-3193	108	19	,	,	PUNCT
fsr-3193	108	20	air	air	NOUN
fsr-3193	108	21	force	force	NOUN
fsr-3193	108	22	,	,	PUNCT
fsr-3193	108	23	and	and	CCONJ
fsr-3193	108	24	others	other	NOUN
fsr-3193	108	25	.	.	PUNCT
fsr-3193	109	1	40	40	NUM
fsr-3193	109	2	m.	m.	NOUN
fsr-3193	109	3	j.	j.	PROPN
fsr-3193	109	4	wilmarth	wilmarth	PROPN
fsr-3193	109	5	et	et	PROPN
fsr-3193	109	6	al	al	PROPN
fsr-3193	109	7	.	.	PUNCT
fsr-3193	109	8	/	/	SYM
fsr-3193	109	9	financial	financial	ADJ
fsr-3193	109	10	services	service	NOUN
fsr-3193	109	11	review	review	VERB
fsr-3193	109	12	31	31	NUM
fsr-3193	109	13	(	(	PUNCT
fsr-3193	109	14	2023	2023	NUM
fsr-3193	109	15	)	)	PUNCT
fsr-3193	109	16	35–54	35–54	NUM
fsr-3193	109	17	following	follow	VERB
fsr-3193	109	18	previous	previous	ADJ
fsr-3193	109	19	studies	study	NOUN
fsr-3193	109	20	on	on	ADP
fsr-3193	109	21	financial	financial	ADJ
fsr-3193	109	22	behaviors	behavior	NOUN
fsr-3193	109	23	(	(	PUNCT
fsr-3193	109	24	e.g.	e.g.	ADV
fsr-3193	109	25	,	,	PUNCT
fsr-3193	109	26	henager	henager	NOUN
fsr-3193	109	27	&	&	CCONJ
fsr-3193	109	28	cude	cude	ADJ
fsr-3193	109	29	,	,	PUNCT
fsr-3193	109	30	2016	2016	NUM
fsr-3193	109	31	;	;	PUNCT
fsr-3193	109	32	kim	kim	PROPN
fsr-3193	109	33	et	et	PROPN
fsr-3193	109	34	al	al	PROPN
fsr-3193	109	35	.	.	PROPN
fsr-3193	109	36	,	,	PUNCT
fsr-3193	109	37	2019	2019	NUM
fsr-3193	109	38	)	)	PUNCT
fsr-3193	109	39	,	,	PUNCT
fsr-3193	109	40	this	this	DET
fsr-3193	109	41	study	study	NOUN
fsr-3193	109	42	includes	include	VERB
fsr-3193	109	43	the	the	DET
fsr-3193	109	44	set	set	NOUN
fsr-3193	109	45	of	of	ADP
fsr-3193	109	46	following	follow	VERB
fsr-3193	109	47	control	control	NOUN
fsr-3193	109	48	variables	variable	NOUN
fsr-3193	109	49	;	;	PUNCT
fsr-3193	109	50	age	age	NOUN
fsr-3193	109	51	,	,	PUNCT
fsr-3193	109	52	gender	gender	NOUN
fsr-3193	109	53	(	(	PUNCT
fsr-3193	109	54	male	male	NOUN
fsr-3193	109	55	,	,	PUNCT
fsr-3193	109	56	female	female	NOUN
fsr-3193	109	57	)	)	PUNCT
fsr-3193	109	58	,	,	PUNCT
fsr-3193	109	59	race	race	NOUN
fsr-3193	109	60	/	/	SYM
fsr-3193	109	61	ethnicity	ethnicity	NOUN
fsr-3193	109	62	(	(	PUNCT
fsr-3193	109	63	white	white	ADJ
fsr-3193	109	64	,	,	PUNCT
fsr-3193	109	65	black	black	ADJ
fsr-3193	109	66	,	,	PUNCT
fsr-3193	109	67	hispanic	hispanic	ADJ
fsr-3193	109	68	,	,	PUNCT
fsr-3193	109	69	and	and	CCONJ
fsr-3193	109	70	asian	asian	ADJ
fsr-3193	109	71	/	/	SYM
fsr-3193	109	72	others	other	NOUN
fsr-3193	109	73	)	)	PUNCT
fsr-3193	109	74	,	,	PUNCT
fsr-3193	109	75	marital	marital	ADJ
fsr-3193	109	76	status	status	NOUN
fsr-3193	109	77	(	(	PUNCT
fsr-3193	109	78	married	married	ADJ
fsr-3193	109	79	,	,	PUNCT
fsr-3193	109	80	single	single	ADJ
fsr-3193	109	81	,	,	PUNCT
fsr-3193	109	82	and	and	CCONJ
fsr-3193	109	83	separated	separate	VERB
fsr-3193	109	84	/	/	SYM
fsr-3193	109	85	divorced	divorce	VERB
fsr-3193	109	86	/	/	SYM
fsr-3193	109	87	widowed	widow	VERB
fsr-3193	109	88	)	)	PUNCT
fsr-3193	109	89	,	,	PUNCT
fsr-3193	109	90	presence	presence	NOUN
fsr-3193	109	91	of	of	ADP
fsr-3193	109	92	dependent	dependent	ADJ
fsr-3193	109	93	child(ren	child(ren	NOUN
fsr-3193	109	94	)	)	PUNCT
fsr-3193	110	1	(	(	PUNCT
fsr-3193	110	2	yes	yes	INTJ
fsr-3193	110	3	/	/	SYM
fsr-3193	110	4	no	no	NOUN
fsr-3193	110	5	)	)	PUNCT
fsr-3193	110	6	,	,	PUNCT
fsr-3193	110	7	employment	employment	NOUN
fsr-3193	110	8	status	status	NOUN
fsr-3193	110	9	(	(	PUNCT
fsr-3193	110	10	employed	employ	VERB
fsr-3193	110	11	,	,	PUNCT
fsr-3193	110	12	otherwise	otherwise	ADV
fsr-3193	110	13	)	)	PUNCT
fsr-3193	110	14	,	,	PUNCT
fsr-3193	110	15	education	education	NOUN
fsr-3193	110	16	(	(	PUNCT
fsr-3193	110	17	less	less	ADJ
fsr-3193	110	18	than	than	ADP
fsr-3193	110	19	high	high	ADJ
fsr-3193	110	20	school	school	NOUN
fsr-3193	110	21	,	,	PUNCT
fsr-3193	110	22	high	high	ADJ
fsr-3193	110	23	school	school	NOUN
fsr-3193	110	24	diploma	diploma	NOUN
fsr-3193	110	25	,	,	PUNCT
fsr-3193	110	26	some	some	DET
fsr-3193	110	27	college	college	NOUN
fsr-3193	110	28	,	,	PUNCT
fsr-3193	110	29	bachelor	bachelor	NOUN
fsr-3193	110	30	degree	degree	NOUN
fsr-3193	110	31	,	,	PUNCT
fsr-3193	110	32	and	and	CCONJ
fsr-3193	110	33	post	post	ADJ
fsr-3193	110	34	-	-	ADJ
fsr-3193	110	35	bachelor	bachelor	ADJ
fsr-3193	110	36	degree	degree	NOUN
fsr-3193	110	37	)	)	PUNCT
fsr-3193	110	38	,	,	PUNCT
fsr-3193	110	39	household	household	NOUN
fsr-3193	110	40	income	income	NOUN
fsr-3193	110	41	,	,	PUNCT
fsr-3193	110	42	substantial	substantial	ADJ
fsr-3193	110	43	income	income	NOUN
fsr-3193	110	44	drop	drop	NOUN
fsr-3193	110	45	(	(	PUNCT
fsr-3193	110	46	yes	yes	INTJ
fsr-3193	110	47	/	/	SYM
fsr-3193	110	48	no	no	NOUN
fsr-3193	110	49	)	)	PUNCT
fsr-3193	110	50	,	,	PUNCT
fsr-3193	110	51	banking	banking	NOUN
fsr-3193	110	52	status	status	NOUN
fsr-3193	110	53	(	(	PUNCT
fsr-3193	110	54	yes	yes	INTJ
fsr-3193	110	55	/	/	SYM
fsr-3193	110	56	no	no	NOUN
fsr-3193	110	57	)	)	PUNCT
fsr-3193	110	58	and	and	CCONJ
fsr-3193	110	59	homeownership	homeownership	NOUN
fsr-3193	110	60	(	(	PUNCT
fsr-3193	110	61	yes	yes	INTJ
fsr-3193	110	62	/	/	SYM
fsr-3193	110	63	no	no	NOUN
fsr-3193	110	64	)	)	PUNCT
fsr-3193	110	65	.	.	PUNCT
fsr-3193	111	1	lastly	lastly	ADV
fsr-3193	111	2	,	,	PUNCT
fsr-3193	111	3	we	we	PRON
fsr-3193	111	4	also	also	ADV
fsr-3193	111	5	controlled	control	VERB
fsr-3193	111	6	for	for	ADP
fsr-3193	111	7	state	state	NOUN
fsr-3193	111	8	of	of	ADP
fsr-3193	111	9	residence	residence	NOUN
fsr-3193	111	10	.	.	PUNCT
fsr-3193	112	1	3.4	3.4	NUM
fsr-3193	112	2	.	.	PUNCT
fsr-3193	112	3	analyses	analysis	NOUN
fsr-3193	112	4	given	give	VERB
fsr-3193	112	5	the	the	DET
fsr-3193	112	6	ordered	order	VERB
fsr-3193	112	7	nature	nature	NOUN
fsr-3193	112	8	of	of	ADP
fsr-3193	112	9	the	the	DET
fsr-3193	112	10	dependent	dependent	ADJ
fsr-3193	112	11	variables	variable	NOUN
fsr-3193	112	12	,	,	PUNCT
fsr-3193	112	13	we	we	PRON
fsr-3193	112	14	conducted	conduct	VERB
fsr-3193	112	15	ordered	order	VERB
fsr-3193	112	16	logistic	logistic	ADJ
fsr-3193	112	17	regression	regression	NOUN
fsr-3193	112	18	analyses	analysis	NOUN
fsr-3193	112	19	on	on	ADP
fsr-3193	112	20	composite	composite	ADJ
fsr-3193	112	21	variables	variable	NOUN
fsr-3193	112	22	of	of	ADP
fsr-3193	112	23	financial	financial	ADJ
fsr-3193	112	24	behaviors	behavior	NOUN
fsr-3193	112	25	,	,	PUNCT
fsr-3193	112	26	which	which	PRON
fsr-3193	112	27	provide	provide	VERB
fsr-3193	112	28	a	a	DET
fsr-3193	112	29	general	general	ADJ
fsr-3193	112	30	overview	overview	NOUN
fsr-3193	112	31	of	of	ADP
fsr-3193	112	32	the	the	DET
fsr-3193	112	33	financial	financial	ADJ
fsr-3193	112	34	behaviors	behavior	NOUN
fsr-3193	112	35	of	of	ADP
fsr-3193	112	36	military	military	ADJ
fsr-3193	112	37	households	household	NOUN
fsr-3193	112	38	.	.	PUNCT
fsr-3193	113	1	also	also	ADV
fsr-3193	113	2	,	,	PUNCT
fsr-3193	113	3	we	we	PRON
fsr-3193	113	4	conducted	conduct	VERB
fsr-3193	113	5	similar	similar	ADJ
fsr-3193	113	6	analyses	analysis	NOUN
fsr-3193	113	7	for	for	ADP
fsr-3193	113	8	civilian	civilian	ADJ
fsr-3193	113	9	households	household	NOUN
fsr-3193	113	10	as	as	ADP
fsr-3193	113	11	a	a	DET
fsr-3193	113	12	reference	reference	NOUN
fsr-3193	113	13	group	group	NOUN
fsr-3193	113	14	.	.	PUNCT
fsr-3193	114	1	model	model	NOUN
fsr-3193	114	2	1	1	NUM
fsr-3193	114	3	:	:	PUNCT
fsr-3193	114	4	short	short	ADJ
fsr-3193	114	5	-	-	PUNCT
fsr-3193	114	6	term	term	NOUN
fsr-3193	114	7	financial	financial	ADJ
fsr-3193	114	8	behaviors	behavior	NOUN
fsr-3193	114	9	=	=	SYM
fsr-3193	114	10	f	f	PROPN
fsr-3193	114	11	(	(	PUNCT
fsr-3193	114	12	financial	financial	ADJ
fsr-3193	114	13	knowledge	knowledge	NOUN
fsr-3193	114	14	,	,	PUNCT
fsr-3193	114	15	financial	financial	ADJ
fsr-3193	114	16	education	education	NOUN
fsr-3193	114	17	,	,	PUNCT
fsr-3193	114	18	socio	socio	NOUN
fsr-3193	114	19	-	-	ADJ
fsr-3193	114	20	demographic	demographic	ADJ
fsr-3193	114	21	status	status	NOUN
fsr-3193	114	22	)	)	PUNCT
fsr-3193	114	23	model	model	NOUN
fsr-3193	114	24	2	2	NUM
fsr-3193	114	25	:	:	PUNCT
fsr-3193	114	26	long	long	ADJ
fsr-3193	114	27	-	-	PUNCT
fsr-3193	114	28	term	term	NOUN
fsr-3193	114	29	financial	financial	ADJ
fsr-3193	114	30	behaviors	behavior	NOUN
fsr-3193	114	31	=	=	SYM
fsr-3193	114	32	f	f	PROPN
fsr-3193	114	33	(	(	PUNCT
fsr-3193	114	34	financial	financial	ADJ
fsr-3193	114	35	knowledge	knowledge	NOUN
fsr-3193	114	36	,	,	PUNCT
fsr-3193	114	37	financial	financial	ADJ
fsr-3193	114	38	education	education	NOUN
fsr-3193	114	39	,	,	PUNCT
fsr-3193	114	40	socio	socio	NOUN
fsr-3193	114	41	-	-	ADJ
fsr-3193	114	42	demographic	demographic	ADJ
fsr-3193	114	43	status	status	NOUN
fsr-3193	114	44	)	)	PUNCT
fsr-3193	114	45	the	the	DET
fsr-3193	114	46	nfcs	nfc	NOUN
fsr-3193	114	47	provides	provide	VERB
fsr-3193	114	48	a	a	DET
fsr-3193	114	49	survey	survey	NOUN
fsr-3193	114	50	weight	weight	NOUN
fsr-3193	114	51	to	to	PART
fsr-3193	114	52	be	be	AUX
fsr-3193	114	53	representative	representative	NOUN
fsr-3193	114	54	of	of	ADP
fsr-3193	114	55	the	the	DET
fsr-3193	114	56	national	national	ADJ
fsr-3193	114	57	population	population	NOUN
fsr-3193	114	58	in	in	ADP
fsr-3193	114	59	terms	term	NOUN
fsr-3193	114	60	of	of	ADP
fsr-3193	114	61	age	age	NOUN
fsr-3193	114	62	,	,	PUNCT
fsr-3193	114	63	gender	gender	NOUN
fsr-3193	114	64	,	,	PUNCT
fsr-3193	114	65	ethnicity	ethnicity	NOUN
fsr-3193	114	66	,	,	PUNCT
fsr-3193	114	67	education	education	NOUN
fsr-3193	114	68	,	,	PUNCT
fsr-3193	114	69	and	and	CCONJ
fsr-3193	114	70	census	census	NOUN
fsr-3193	114	71	division	division	NOUN
fsr-3193	114	72	(	(	PUNCT
fsr-3193	114	73	with	with	ADP
fsr-3193	114	74	adjustments	adjustment	NOUN
fsr-3193	114	75	for	for	ADP
fsr-3193	114	76	the	the	DET
fsr-3193	114	77	oversampled	oversample	VERB
fsr-3193	114	78	states	state	NOUN
fsr-3193	114	79	for	for	ADP
fsr-3193	114	80	comparability	comparability	NOUN
fsr-3193	114	81	with	with	ADP
fsr-3193	114	82	previous	previous	ADJ
fsr-3193	114	83	years	year	NOUN
fsr-3193	114	84	)	)	PUNCT
fsr-3193	114	85	,	,	PUNCT
fsr-3193	114	86	so	so	ADV
fsr-3193	114	87	all	all	PRON
fsr-3193	114	88	of	of	ADP
fsr-3193	114	89	our	our	PRON
fsr-3193	114	90	results	result	NOUN
fsr-3193	114	91	are	be	AUX
fsr-3193	114	92	weighted	weight	VERB
fsr-3193	114	93	.	.	PUNCT
fsr-3193	115	1	4	4	X
fsr-3193	115	2	.	.	X
fsr-3193	115	3	results	result	VERB
fsr-3193	115	4	4.1	4.1	NUM
fsr-3193	115	5	.	.	PUNCT
fsr-3193	116	1	descriptive	descriptive	ADJ
fsr-3193	116	2	results	result	NOUN
fsr-3193	116	3	descriptive	descriptive	ADJ
fsr-3193	116	4	results	result	NOUN
fsr-3193	116	5	for	for	ADP
fsr-3193	116	6	both	both	DET
fsr-3193	116	7	samples	sample	NOUN
fsr-3193	116	8	’	'	PUNCT
fsr-3193	116	9	characteristics	characteristic	NOUN
fsr-3193	116	10	are	be	AUX
fsr-3193	116	11	presented	present	VERB
fsr-3193	116	12	in	in	ADP
fsr-3193	116	13	table	table	NOUN
fsr-3193	116	14	1	1	NUM
fsr-3193	116	15	.	.	PUNCT
fsr-3193	117	1	in	in	ADP
fsr-3193	117	2	terms	term	NOUN
fsr-3193	117	3	of	of	ADP
fsr-3193	117	4	short	short	ADJ
fsr-3193	117	5	-	-	PUNCT
fsr-3193	117	6	term	term	NOUN
fsr-3193	117	7	financial	financial	ADJ
fsr-3193	117	8	behaviors	behavior	NOUN
fsr-3193	117	9	,	,	PUNCT
fsr-3193	117	10	the	the	DET
fsr-3193	117	11	percentages	percentage	NOUN
fsr-3193	117	12	of	of	ADP
fsr-3193	117	13	the	the	DET
fsr-3193	117	14	military	military	ADJ
fsr-3193	117	15	sample	sample	NOUN
fsr-3193	117	16	that	that	PRON
fsr-3193	117	17	participated	participate	VERB
fsr-3193	117	18	in	in	ADP
fsr-3193	117	19	the	the	DET
fsr-3193	117	20	four	four	NUM
fsr-3193	117	21	short	short	ADJ
fsr-3193	117	22	-	-	PUNCT
fsr-3193	117	23	term	term	NOUN
fsr-3193	117	24	behaviors	behavior	NOUN
fsr-3193	117	25	were	be	AUX
fsr-3193	117	26	as	as	SCONJ
fsr-3193	117	27	follows	follow	VERB
fsr-3193	117	28	:	:	PUNCT
fsr-3193	117	29	having	have	VERB
fsr-3193	117	30	emergency	emergency	NOUN
fsr-3193	117	31	funds	fund	NOUN
fsr-3193	117	32	(	(	PUNCT
fsr-3193	117	33	66.7	66.7	NUM
fsr-3193	117	34	%	%	NOUN
fsr-3193	117	35	)	)	PUNCT
fsr-3193	117	36	,	,	PUNCT
fsr-3193	117	37	spending	spend	VERB
fsr-3193	117	38	less	less	ADJ
fsr-3193	117	39	than	than	ADP
fsr-3193	117	40	income	income	NOUN
fsr-3193	117	41	(	(	PUNCT
fsr-3193	117	42	45.6	45.6	NUM
fsr-3193	117	43	%	%	NOUN
fsr-3193	117	44	)	)	PUNCT
fsr-3193	117	45	,	,	PUNCT
fsr-3193	117	46	not	not	PART
fsr-3193	117	47	experiencing	experience	VERB
fsr-3193	117	48	an	an	DET
fsr-3193	117	49	overdraft	overdraft	NOUN
fsr-3193	117	50	(	(	PUNCT
fsr-3193	117	51	65.0	65.0	NUM
fsr-3193	117	52	%	%	NOUN
fsr-3193	117	53	)	)	PUNCT
fsr-3193	117	54	,	,	PUNCT
fsr-3193	117	55	and	and	CCONJ
fsr-3193	117	56	keeping	keep	VERB
fsr-3193	117	57	a	a	DET
fsr-3193	117	58	budget	budget	NOUN
fsr-3193	117	59	(	(	PUNCT
fsr-3193	117	60	58.2	58.2	NUM
fsr-3193	117	61	%	%	NOUN
fsr-3193	117	62	)	)	PUNCT
fsr-3193	117	63	.	.	PUNCT
fsr-3193	118	1	the	the	DET
fsr-3193	118	2	mean	mean	ADJ
fsr-3193	118	3	composite	composite	ADJ
fsr-3193	118	4	score	score	NOUN
fsr-3193	118	5	of	of	ADP
fsr-3193	118	6	short	short	ADJ
fsr-3193	118	7	-	-	PUNCT
fsr-3193	118	8	term	term	NOUN
fsr-3193	118	9	behaviors	behavior	NOUN
fsr-3193	118	10	for	for	ADP
fsr-3193	118	11	military	military	ADJ
fsr-3193	118	12	households	household	NOUN
fsr-3193	118	13	was	be	AUX
fsr-3193	118	14	2.35	2.35	NUM
fsr-3193	118	15	.	.	PUNCT
fsr-3193	119	1	in	in	ADP
fsr-3193	119	2	terms	term	NOUN
fsr-3193	119	3	of	of	ADP
fsr-3193	119	4	long	long	ADJ
fsr-3193	119	5	-	-	PUNCT
fsr-3193	119	6	term	term	NOUN
fsr-3193	119	7	financial	financial	ADJ
fsr-3193	119	8	behaviors	behavior	NOUN
fsr-3193	119	9	for	for	ADP
fsr-3193	119	10	the	the	DET
fsr-3193	119	11	military	military	ADJ
fsr-3193	119	12	sample	sample	NOUN
fsr-3193	119	13	;	;	PUNCT
fsr-3193	119	14	63.3	63.3	NUM
fsr-3193	119	15	%	%	NOUN
fsr-3193	119	16	had	have	AUX
fsr-3193	119	17	figured	figure	VERB
fsr-3193	119	18	out	out	ADP
fsr-3193	119	19	the	the	DET
fsr-3193	119	20	amount	amount	NOUN
fsr-3193	119	21	of	of	ADP
fsr-3193	119	22	savings	saving	NOUN
fsr-3193	119	23	they	they	PRON
fsr-3193	119	24	needed	need	VERB
fsr-3193	119	25	for	for	ADP
fsr-3193	119	26	retirement	retirement	NOUN
fsr-3193	119	27	,	,	PUNCT
fsr-3193	119	28	79.2	79.2	NUM
fsr-3193	119	29	%	%	NOUN
fsr-3193	119	30	had	have	VERB
fsr-3193	119	31	a	a	DET
fsr-3193	119	32	retirement	retirement	NOUN
fsr-3193	119	33	plan(s	plan(s	NOUN
fsr-3193	119	34	)	)	PUNCT
fsr-3193	119	35	,	,	PUNCT
fsr-3193	119	36	52.2	52.2	NUM
fsr-3193	119	37	%	%	NOUN
fsr-3193	119	38	owned	own	VERB
fsr-3193	119	39	investments	investment	NOUN
fsr-3193	119	40	outside	outside	ADP
fsr-3193	119	41	of	of	ADP
fsr-3193	119	42	the	the	DET
fsr-3193	119	43	retirement	retirement	NOUN
fsr-3193	119	44	account	account	NOUN
fsr-3193	119	45	,	,	PUNCT
fsr-3193	119	46	and	and	CCONJ
fsr-3193	119	47	61.5	61.5	NUM
fsr-3193	119	48	%	%	NOUN
fsr-3193	119	49	had	have	VERB
fsr-3193	119	50	a	a	DET
fsr-3193	119	51	will	will	NOUN
fsr-3193	119	52	.	.	PUNCT
fsr-3193	120	1	the	the	DET
fsr-3193	120	2	mean	mean	ADJ
fsr-3193	120	3	composite	composite	ADJ
fsr-3193	120	4	score	score	NOUN
fsr-3193	120	5	for	for	ADP
fsr-3193	120	6	long	long	ADJ
fsr-3193	120	7	-	-	PUNCT
fsr-3193	120	8	term	term	NOUN
fsr-3193	120	9	behaviors	behavior	NOUN
fsr-3193	120	10	was	be	AUX
fsr-3193	120	11	2.56	2.56	NUM
fsr-3193	120	12	.	.	PUNCT
fsr-3193	121	1	the	the	DET
fsr-3193	121	2	civilian	civilian	ADJ
fsr-3193	121	3	household	household	NOUN
fsr-3193	121	4	sample	sample	NOUN
fsr-3193	121	5	had	have	VERB
fsr-3193	121	6	less	less	ADJ
fsr-3193	121	7	than	than	ADP
fsr-3193	121	8	half	half	NOUN
fsr-3193	121	9	of	of	ADP
fsr-3193	121	10	the	the	DET
fsr-3193	121	11	sample	sample	NOUN
fsr-3193	121	12	participating	participate	VERB
fsr-3193	121	13	in	in	ADP
fsr-3193	121	14	three	three	NUM
fsr-3193	121	15	of	of	ADP
fsr-3193	121	16	the	the	DET
fsr-3193	121	17	four	four	NUM
fsr-3193	121	18	short	short	ADJ
fsr-3193	121	19	-	-	PUNCT
fsr-3193	121	20	term	term	NOUN
fsr-3193	121	21	behaviors	behavior	NOUN
fsr-3193	121	22	;	;	PUNCT
fsr-3193	121	23	having	have	VERB
fsr-3193	121	24	emergency	emergency	NOUN
fsr-3193	121	25	funds	fund	NOUN
fsr-3193	121	26	(	(	PUNCT
fsr-3193	121	27	48.3	48.3	NUM
fsr-3193	121	28	%	%	NOUN
fsr-3193	121	29	)	)	PUNCT
fsr-3193	121	30	,	,	PUNCT
fsr-3193	121	31	spending	spend	VERB
fsr-3193	121	32	less	less	ADJ
fsr-3193	121	33	than	than	ADP
fsr-3193	121	34	income	income	NOUN
fsr-3193	121	35	(	(	PUNCT
fsr-3193	121	36	41.7	41.7	NUM
fsr-3193	121	37	%	%	NOUN
fsr-3193	121	38	)	)	PUNCT
fsr-3193	121	39	,	,	PUNCT
fsr-3193	121	40	and	and	CCONJ
fsr-3193	121	41	keeping	keep	VERB
fsr-3193	121	42	a	a	DET
fsr-3193	121	43	budget	budget	NOUN
fsr-3193	121	44	(	(	PUNCT
fsr-3193	121	45	41.0	41.0	NUM
fsr-3193	121	46	%	%	NOUN
fsr-3193	121	47	)	)	PUNCT
fsr-3193	121	48	.	.	PUNCT
fsr-3193	122	1	while	while	SCONJ
fsr-3193	122	2	75.2	75.2	NUM
fsr-3193	122	3	%	%	NOUN
fsr-3193	122	4	of	of	ADP
fsr-3193	122	5	the	the	DET
fsr-3193	122	6	civilian	civilian	ADJ
fsr-3193	122	7	households	household	NOUN
fsr-3193	122	8	had	have	AUX
fsr-3193	122	9	not	not	PART
fsr-3193	122	10	experienced	experience	VERB
fsr-3193	122	11	an	an	DET
fsr-3193	122	12	overdraft	overdraft	NOUN
fsr-3193	122	13	.	.	PUNCT
fsr-3193	123	1	the	the	DET
fsr-3193	123	2	mean	mean	NOUN
fsr-3193	123	3	of	of	ADP
fsr-3193	123	4	the	the	DET
fsr-3193	123	5	short	short	ADJ
fsr-3193	123	6	-	-	PUNCT
fsr-3193	123	7	term	term	NOUN
fsr-3193	123	8	behaviors	behavior	NOUN
fsr-3193	123	9	index	index	NOUN
fsr-3193	123	10	for	for	ADP
fsr-3193	123	11	civilian	civilian	ADJ
fsr-3193	123	12	households	household	NOUN
fsr-3193	123	13	was	be	AUX
fsr-3193	123	14	2.06	2.06	NUM
fsr-3193	123	15	.	.	PUNCT
fsr-3193	124	1	looking	look	VERB
fsr-3193	124	2	at	at	ADP
fsr-3193	124	3	the	the	DET
fsr-3193	124	4	long	long	ADJ
fsr-3193	124	5	-	-	PUNCT
fsr-3193	124	6	term	term	NOUN
fsr-3193	124	7	behaviors	behavior	NOUN
fsr-3193	124	8	for	for	ADP
fsr-3193	124	9	civilian	civilian	ADJ
fsr-3193	124	10	households	household	NOUN
fsr-3193	124	11	,	,	PUNCT
fsr-3193	124	12	43.7	43.7	NUM
fsr-3193	124	13	%	%	NOUN
fsr-3193	124	14	of	of	ADP
fsr-3193	124	15	civilian	civilian	ADJ
fsr-3193	124	16	households	household	NOUN
fsr-3193	124	17	had	have	AUX
fsr-3193	124	18	figured	figure	VERB
fsr-3193	124	19	out	out	ADP
fsr-3193	124	20	the	the	DET
fsr-3193	124	21	amount	amount	NOUN
fsr-3193	124	22	of	of	ADP
fsr-3193	124	23	savings	saving	NOUN
fsr-3193	124	24	they	they	PRON
fsr-3193	124	25	needed	need	VERB
fsr-3193	124	26	for	for	ADP
fsr-3193	124	27	retirement	retirement	NOUN
fsr-3193	124	28	and	and	CCONJ
fsr-3193	124	29	61.7	61.7	NUM
fsr-3193	124	30	%	%	NOUN
fsr-3193	124	31	m.	m.	NOUN
fsr-3193	124	32	j.	j.	PROPN
fsr-3193	125	1	wilmarth	wilmarth	PROPN
fsr-3193	125	2	et	et	PROPN
fsr-3193	125	3	al	al	PROPN
fsr-3193	125	4	.	.	PUNCT
fsr-3193	125	5	/	/	SYM
fsr-3193	125	6	financial	financial	ADJ
fsr-3193	125	7	services	service	NOUN
fsr-3193	125	8	review	review	VERB
fsr-3193	125	9	31	31	NUM
fsr-3193	125	10	(	(	PUNCT
fsr-3193	125	11	2023	2023	NUM
fsr-3193	125	12	)	)	PUNCT
fsr-3193	125	13	35–54	35–54	NUM
fsr-3193	125	14	41	41	NUM
fsr-3193	125	15	table	table	NOUN
fsr-3193	125	16	1	1	NUM
fsr-3193	125	17	sample	sample	NOUN
fsr-3193	125	18	characteristics	characteristic	NOUN
fsr-3193	125	19	of	of	ADP
fsr-3193	125	20	military	military	ADJ
fsr-3193	125	21	respondent	respondent	NOUN
fsr-3193	125	22	and	and	CCONJ
fsr-3193	125	23	civilian	civilian	ADJ
fsr-3193	125	24	households	household	NOUN
fsr-3193	125	25	,	,	PUNCT
fsr-3193	125	26	2018	2018	NUM
fsr-3193	125	27	national	national	ADJ
fsr-3193	125	28	financial	financial	ADJ
fsr-3193	125	29	capability	capability	NOUN
fsr-3193	125	30	study	study	NOUN
fsr-3193	125	31	(	(	PUNCT
fsr-3193	125	32	nfcs	nfc	NOUN
fsr-3193	125	33	)	)	PUNCT
fsr-3193	125	34	variables	variable	NOUN
fsr-3193	125	35	military	military	ADJ
fsr-3193	125	36	household	household	NOUN
fsr-3193	125	37	(	(	PUNCT
fsr-3193	125	38	n	n	NOUN
fsr-3193	125	39	=	=	SYM
fsr-3193	125	40	3,045	3,045	NUM
fsr-3193	125	41	)	)	PUNCT
fsr-3193	125	42	civilian	civilian	ADJ
fsr-3193	125	43	household	household	NOUN
fsr-3193	125	44	(	(	PUNCT
fsr-3193	125	45	n	n	NOUN
fsr-3193	125	46	=	=	NUM
fsr-3193	125	47	17,751	17,751	NUM
fsr-3193	125	48	)	)	PUNCT
fsr-3193	125	49	short	short	ADJ
fsr-3193	125	50	-	-	PUNCT
fsr-3193	125	51	term	term	NOUN
fsr-3193	125	52	behaviors	behavior	NOUN
fsr-3193	125	53	(	(	PUNCT
fsr-3193	125	54	0–4	0–4	X
fsr-3193	125	55	)	)	PUNCT
fsr-3193	125	56	mean	mean	NOUN
fsr-3193	125	57	(	(	PUNCT
fsr-3193	125	58	sd	sd	NOUN
fsr-3193	125	59	):	):	PUNCT
fsr-3193	125	60	2.35	2.35	NUM
fsr-3193	125	61	(	(	PUNCT
fsr-3193	125	62	1.25	1.25	NUM
fsr-3193	125	63	)	)	PUNCT
fsr-3193	125	64	*	*	PUNCT
fsr-3193	126	1	*	*	PUNCT
fsr-3193	126	2	*	*	PUNCT
fsr-3193	126	3	mean	mean	ADJ
fsr-3193	126	4	(	(	PUNCT
fsr-3193	126	5	sd	sd	NOUN
fsr-3193	126	6	):	):	PUNCT
fsr-3193	126	7	2.06	2.06	NUM
fsr-3193	126	8	(	(	PUNCT
fsr-3193	126	9	1.33	1.33	NUM
fsr-3193	126	10	)	)	PUNCT
fsr-3193	126	11	emergency	emergency	NOUN
fsr-3193	126	12	funds	fund	NOUN
fsr-3193	126	13	(	(	PUNCT
fsr-3193	126	14	ownership	ownership	NOUN
fsr-3193	126	15	)	)	PUNCT
fsr-3193	126	16	66.72	66.72	NUM
fsr-3193	126	17	%	%	NOUN
fsr-3193	126	18	*	*	PUNCT
fsr-3193	127	1	*	*	PROPN
fsr-3193	127	2	48.26	48.26	NUM
fsr-3193	127	3	%	%	NOUN
fsr-3193	127	4	spending	spending	NOUN
fsr-3193	127	5	less	less	ADJ
fsr-3193	127	6	than	than	ADP
fsr-3193	127	7	income	income	NOUN
fsr-3193	127	8	45.56	45.56	NUM
fsr-3193	127	9	%	%	NOUN
fsr-3193	127	10	41.71	41.71	NUM
fsr-3193	127	11	%	%	NOUN
fsr-3193	127	12	no	no	DET
fsr-3193	127	13	overdrafts	overdraft	NOUN
fsr-3193	127	14	64.98	64.98	NUM
fsr-3193	127	15	%	%	NOUN
fsr-3193	127	16	*	*	PUNCT
fsr-3193	127	17	*	*	PUNCT
fsr-3193	127	18	*	*	PUNCT
fsr-3193	127	19	75.16	75.16	NUM
fsr-3193	127	20	%	%	NOUN
fsr-3193	127	21	budgeting	budget	VERB
fsr-3193	127	22	58.17	58.17	NUM
fsr-3193	127	23	%	%	NOUN
fsr-3193	127	24	41.00	41.00	NUM
fsr-3193	127	25	%	%	NOUN
fsr-3193	127	26	long	long	ADJ
fsr-3193	127	27	-	-	PUNCT
fsr-3193	127	28	term	term	NOUN
fsr-3193	127	29	behaviors	behavior	NOUN
fsr-3193	127	30	(	(	PUNCT
fsr-3193	127	31	0–4	0–4	X
fsr-3193	127	32	)	)	PUNCT
fsr-3193	127	33	mean	mean	NOUN
fsr-3193	127	34	(	(	PUNCT
fsr-3193	127	35	sd	sd	NOUN
fsr-3193	127	36	):	):	PUNCT
fsr-3193	127	37	2.56	2.56	NUM
fsr-3193	127	38	(	(	PUNCT
fsr-3193	127	39	1.37	1.37	NUM
fsr-3193	127	40	)	)	PUNCT
fsr-3193	127	41	*	*	PUNCT
fsr-3193	128	1	*	*	PUNCT
fsr-3193	128	2	*	*	PUNCT
fsr-3193	128	3	mean	mean	ADJ
fsr-3193	128	4	(	(	PUNCT
fsr-3193	128	5	sd	sd	NOUN
fsr-3193	128	6	):	):	PUNCT
fsr-3193	128	7	1.66	1.66	NUM
fsr-3193	128	8	(	(	PUNCT
fsr-3193	128	9	1.34	1.34	NUM
fsr-3193	128	10	)	)	PUNCT
fsr-3193	128	11	retirement	retirement	NOUN
fsr-3193	128	12	planning	planning	NOUN
fsr-3193	128	13	(	(	PUNCT
fsr-3193	128	14	amount	amount	NOUN
fsr-3193	128	15	needed	need	VERB
fsr-3193	128	16	)	)	PUNCT
fsr-3193	128	17	63.28	63.28	NUM
fsr-3193	128	18	%	%	NOUN
fsr-3193	128	19	43.65	43.65	NUM
fsr-3193	128	20	%	%	NOUN
fsr-3193	128	21	retirement	retirement	NOUN
fsr-3193	128	22	account	account	NOUN
fsr-3193	128	23	(	(	PUNCT
fsr-3193	128	24	ownership	ownership	NOUN
fsr-3193	128	25	)	)	PUNCT
fsr-3193	128	26	79.18	79.18	NUM
fsr-3193	128	27	%	%	NOUN
fsr-3193	128	28	*	*	PUNCT
fsr-3193	128	29	*	*	PUNCT
fsr-3193	128	30	*	*	PUNCT
fsr-3193	128	31	61.65	61.65	NUM
fsr-3193	128	32	%	%	NOUN
fsr-3193	128	33	investments	investment	NOUN
fsr-3193	128	34	(	(	PUNCT
fsr-3193	128	35	ownership	ownership	NOUN
fsr-3193	128	36	)	)	PUNCT
fsr-3193	128	37	52.24	52.24	NUM
fsr-3193	128	38	%	%	NOUN
fsr-3193	128	39	*	*	PUNCT
fsr-3193	128	40	*	*	PUNCT
fsr-3193	128	41	*	*	X
fsr-3193	128	42	31.07	31.07	NUM
fsr-3193	128	43	%	%	NOUN
fsr-3193	128	44	having	have	VERB
fsr-3193	128	45	a	a	DET
fsr-3193	128	46	will	will	NOUN
fsr-3193	128	47	61.54	61.54	NUM
fsr-3193	128	48	%	%	NOUN
fsr-3193	128	49	*	*	PUNCT
fsr-3193	128	50	*	*	PUNCT
fsr-3193	128	51	*	*	PUNCT
fsr-3193	128	52	29.89	29.89	NUM
fsr-3193	128	53	%	%	NOUN
fsr-3193	128	54	objective	objective	ADJ
fsr-3193	128	55	financial	financial	ADJ
fsr-3193	128	56	knowledge	knowledge	NOUN
fsr-3193	128	57	(	(	PUNCT
fsr-3193	128	58	0–6	0–6	NOUN
fsr-3193	128	59	)	)	PUNCT
fsr-3193	128	60	mean	mean	NOUN
fsr-3193	128	61	(	(	PUNCT
fsr-3193	128	62	sd	sd	NOUN
fsr-3193	128	63	):	):	PUNCT
fsr-3193	128	64	3.39	3.39	NUM
fsr-3193	128	65	(	(	PUNCT
fsr-3193	128	66	1.57	1.57	NUM
fsr-3193	128	67	)	)	PUNCT
fsr-3193	128	68	*	*	PUNCT
fsr-3193	129	1	*	*	PUNCT
fsr-3193	129	2	*	*	PUNCT
fsr-3193	129	3	mean	mean	ADJ
fsr-3193	129	4	(	(	PUNCT
fsr-3193	129	5	sd	sd	NOUN
fsr-3193	129	6	):	):	PUNCT
fsr-3193	129	7	3.14	3.14	NUM
fsr-3193	129	8	(	(	PUNCT
fsr-3193	129	9	1.63	1.63	NUM
fsr-3193	129	10	)	)	PUNCT
fsr-3193	129	11	objective	objective	ADJ
fsr-3193	129	12	financial	financial	ADJ
fsr-3193	129	13	knowledge	knowledge	NOUN
fsr-3193	129	14	questions	question	NOUN
fsr-3193	129	15	interest	interest	NOUN
fsr-3193	129	16	76.63	76.63	NUM
fsr-3193	129	17	%	%	NOUN
fsr-3193	129	18	75.81	75.81	NUM
fsr-3193	129	19	%	%	NOUN
fsr-3193	129	20	inflation	inflation	NOUN
fsr-3193	129	21	58.90	58.90	NUM
fsr-3193	129	22	%	%	NOUN
fsr-3193	129	23	58.35	58.35	NUM
fsr-3193	129	24	%	%	NOUN
fsr-3193	129	25	bond	bond	NOUN
fsr-3193	129	26	price	price	NOUN
fsr-3193	129	27	33.58	33.58	NUM
fsr-3193	129	28	%	%	NOUN
fsr-3193	129	29	*	*	PUNCT
fsr-3193	129	30	*	*	PUNCT
fsr-3193	130	1	*	*	PUNCT
fsr-3193	130	2	27.25	27.25	NUM
fsr-3193	130	3	%	%	NOUN
fsr-3193	130	4	mortgage	mortgage	NOUN
fsr-3193	130	5	82.38	82.38	NUM
fsr-3193	130	6	%	%	NOUN
fsr-3193	130	7	*	*	PUNCT
fsr-3193	130	8	*	*	PUNCT
fsr-3193	131	1	*	*	PUNCT
fsr-3193	131	2	75.87	75.87	NUM
fsr-3193	131	3	%	%	NOUN
fsr-3193	131	4	portfolio	portfolio	NOUN
fsr-3193	131	5	51.17	51.17	NUM
fsr-3193	131	6	%	%	NOUN
fsr-3193	131	7	45.59	45.59	NUM
fsr-3193	131	8	%	%	NOUN
fsr-3193	131	9	time	time	NOUN
fsr-3193	131	10	value	value	NOUN
fsr-3193	131	11	of	of	ADP
fsr-3193	131	12	money	money	NOUN
fsr-3193	131	13	36.58	36.58	NUM
fsr-3193	131	14	%	%	NOUN
fsr-3193	131	15	*	*	PUNCT
fsr-3193	131	16	*	*	PUNCT
fsr-3193	132	1	*	*	PUNCT
fsr-3193	132	2	31.28	31.28	NUM
fsr-3193	132	3	%	%	NOUN
fsr-3193	132	4	subjective	subjective	ADJ
fsr-3193	132	5	financial	financial	ADJ
fsr-3193	132	6	knowledge	knowledge	NOUN
fsr-3193	132	7	(	(	PUNCT
fsr-3193	132	8	1–7	1–7	NUM
fsr-3193	132	9	)	)	PUNCT
fsr-3193	132	10	mean	mean	NOUN
fsr-3193	132	11	(	(	PUNCT
fsr-3193	132	12	sd	sd	NOUN
fsr-3193	132	13	):	):	PUNCT
fsr-3193	132	14	5.66	5.66	NUM
fsr-3193	132	15	(	(	PUNCT
fsr-3193	132	16	1.31	1.31	NUM
fsr-3193	132	17	)	)	PUNCT
fsr-3193	132	18	*	*	PUNCT
fsr-3193	133	1	*	*	PUNCT
fsr-3193	133	2	*	*	PUNCT
fsr-3193	133	3	mean	mean	ADJ
fsr-3193	133	4	(	(	PUNCT
fsr-3193	133	5	sd	sd	NOUN
fsr-3193	133	6	):	):	PUNCT
fsr-3193	133	7	5.09	5.09	NUM
fsr-3193	133	8	(	(	PUNCT
fsr-3193	133	9	1.34	1.34	NUM
fsr-3193	133	10	)	)	PUNCT
fsr-3193	133	11	financial	financial	ADJ
fsr-3193	133	12	education	education	NOUN
fsr-3193	133	13	31.9	31.9	NUM
fsr-3193	133	14	%	%	NOUN
fsr-3193	133	15	*	*	PUNCT
fsr-3193	133	16	*	*	PUNCT
fsr-3193	133	17	*	*	PUNCT
fsr-3193	133	18	22.2	22.2	NUM
fsr-3193	133	19	%	%	NOUN
fsr-3193	133	20	mean	mean	NOUN
fsr-3193	133	21	age	age	NOUN
fsr-3193	133	22	mean	mean	NOUN
fsr-3193	133	23	(	(	PUNCT
fsr-3193	133	24	sd	sd	NOUN
fsr-3193	133	25	):	):	PUNCT
fsr-3193	133	26	50.9	50.9	NUM
fsr-3193	133	27	(	(	PUNCT
fsr-3193	133	28	17.8	17.8	NUM
fsr-3193	133	29	)	)	PUNCT
fsr-3193	133	30	*	*	PUNCT
fsr-3193	134	1	*	*	PUNCT
fsr-3193	134	2	*	*	PUNCT
fsr-3193	134	3	mean	mean	ADJ
fsr-3193	134	4	(	(	PUNCT
fsr-3193	134	5	sd	sd	NOUN
fsr-3193	134	6	):	):	PUNCT
fsr-3193	134	7	46.3	46.3	NUM
fsr-3193	134	8	(	(	PUNCT
fsr-3193	134	9	16.6	16.6	NUM
fsr-3193	134	10	)	)	PUNCT
fsr-3193	134	11	gender	gender	NOUN
fsr-3193	134	12	male	male	NOUN
fsr-3193	134	13	85.30	85.30	NUM
fsr-3193	134	14	%	%	NOUN
fsr-3193	134	15	*	*	PUNCT
fsr-3193	134	16	*	*	PUNCT
fsr-3193	134	17	*	*	PUNCT
fsr-3193	134	18	43.09	43.09	NUM
fsr-3193	134	19	%	%	NOUN
fsr-3193	134	20	female	female	NOUN
fsr-3193	134	21	14.70	14.70	NUM
fsr-3193	134	22	%	%	NOUN
fsr-3193	134	23	*	*	PUNCT
fsr-3193	134	24	*	*	PUNCT
fsr-3193	134	25	*	*	PUNCT
fsr-3193	134	26	56.91	56.91	NUM
fsr-3193	134	27	%	%	NOUN
fsr-3193	134	28	race	race	NOUN
fsr-3193	134	29	/	/	SYM
fsr-3193	134	30	ethnicity	ethnicity	NOUN
fsr-3193	134	31	white	white	ADJ
fsr-3193	134	32	64.03	64.03	NUM
fsr-3193	134	33	%	%	NOUN
fsr-3193	134	34	64.00	64.00	NUM
fsr-3193	134	35	%	%	NOUN
fsr-3193	134	36	black	black	ADJ
fsr-3193	134	37	18.50	18.50	NUM
fsr-3193	134	38	%	%	NOUN
fsr-3193	134	39	*	*	PUNCT
fsr-3193	134	40	*	*	PUNCT
fsr-3193	134	41	*	*	X
fsr-3193	134	42	10.68	10.68	NUM
fsr-3193	134	43	%	%	NOUN
fsr-3193	134	44	hispanic	hispanic	NOUN
fsr-3193	134	45	11.33	11.33	NUM
fsr-3193	134	46	%	%	NOUN
fsr-3193	134	47	*	*	PUNCT
fsr-3193	134	48	*	*	PUNCT
fsr-3193	134	49	*	*	PUNCT
fsr-3193	134	50	16.58	16.58	NUM
fsr-3193	134	51	%	%	NOUN
fsr-3193	134	52	asian	asian	ADJ
fsr-3193	134	53	/	/	SYM
fsr-3193	134	54	others	other	NOUN
fsr-3193	134	55	6.15	6.15	NUM
fsr-3193	134	56	%	%	NOUN
fsr-3193	134	57	*	*	PUNCT
fsr-3193	134	58	*	*	PUNCT
fsr-3193	134	59	*	*	PUNCT
fsr-3193	134	60	8.75	8.75	NUM
fsr-3193	134	61	%	%	NOUN
fsr-3193	134	62	marital	marital	ADJ
fsr-3193	134	63	status	status	NOUN
fsr-3193	134	64	married	marry	VERB
fsr-3193	134	65	63.35	63.35	NUM
fsr-3193	134	66	%	%	NOUN
fsr-3193	134	67	49.57	49.57	NUM
fsr-3193	134	68	%	%	NOUN
fsr-3193	134	69	single	single	ADJ
fsr-3193	134	70	22.28	22.28	NUM
fsr-3193	134	71	%	%	NOUN
fsr-3193	134	72	*	*	PUNCT
fsr-3193	134	73	*	*	PUNCT
fsr-3193	134	74	*	*	PUNCT
fsr-3193	134	75	33.69	33.69	NUM
fsr-3193	134	76	%	%	NOUN
fsr-3193	134	77	separated	separate	VERB
fsr-3193	134	78	/	/	SYM
fsr-3193	134	79	divorce	divorce	NOUN
fsr-3193	134	80	/	/	SYM
fsr-3193	134	81	widow	widow	NOUN
fsr-3193	134	82	14.36	14.36	NUM
fsr-3193	134	83	%	%	NOUN
fsr-3193	134	84	*	*	PUNCT
fsr-3193	134	85	*	*	PUNCT
fsr-3193	134	86	*	*	X
fsr-3193	134	87	16.74	16.74	NUM
fsr-3193	134	88	%	%	NOUN
fsr-3193	134	89	having	have	VERB
fsr-3193	134	90	dependent	dependent	ADJ
fsr-3193	134	91	children	child	NOUN
fsr-3193	134	92	42.28	42.28	NUM
fsr-3193	134	93	%	%	NOUN
fsr-3193	134	94	*	*	PUNCT
fsr-3193	134	95	*	*	PUNCT
fsr-3193	134	96	*	*	X
fsr-3193	134	97	35.20	35.20	NUM
fsr-3193	134	98	%	%	NOUN
fsr-3193	134	99	employed	employ	VERB
fsr-3193	134	100	59.04	59.04	NUM
fsr-3193	134	101	%	%	NOUN
fsr-3193	134	102	57.51	57.51	NUM
fsr-3193	134	103	%	%	NOUN
fsr-3193	134	104	education	education	NOUN
fsr-3193	134	105	less	less	ADJ
fsr-3193	134	106	than	than	ADP
fsr-3193	134	107	high	high	ADJ
fsr-3193	134	108	school	school	NOUN
fsr-3193	134	109	0.85	0.85	NUM
fsr-3193	134	110	%	%	NOUN
fsr-3193	134	111	*	*	PUNCT
fsr-3193	134	112	*	*	PUNCT
fsr-3193	134	113	*	*	PUNCT
fsr-3193	134	114	2.79	2.79	NUM
fsr-3193	134	115	%	%	NOUN
fsr-3193	134	116	high	high	ADJ
fsr-3193	134	117	school	school	NOUN
fsr-3193	134	118	degree	degree	NOUN
fsr-3193	134	119	21.02	21.02	NUM
fsr-3193	134	120	%	%	NOUN
fsr-3193	134	121	*	*	PUNCT
fsr-3193	134	122	*	*	PUNCT
fsr-3193	134	123	*	*	PUNCT
fsr-3193	135	1	28.83	28.83	NUM
fsr-3193	135	2	%	%	NOUN
fsr-3193	135	3	some	some	DET
fsr-3193	135	4	college	college	NOUN
fsr-3193	135	5	34.42	34.42	NUM
fsr-3193	135	6	%	%	NOUN
fsr-3193	135	7	*	*	PUNCT
fsr-3193	135	8	*	*	PUNCT
fsr-3193	135	9	*	*	X
fsr-3193	135	10	27.52	27.52	NUM
fsr-3193	135	11	%	%	NOUN
fsr-3193	135	12	bachelor	bachelor	NOUN
fsr-3193	135	13	’s	’s	NOUN
fsr-3193	135	14	degree	degree	NOUN
fsr-3193	135	15	17.43	17.43	NUM
fsr-3193	135	16	%	%	NOUN
fsr-3193	135	17	18.83	18.83	NUM
fsr-3193	135	18	%	%	NOUN
fsr-3193	135	19	post	post	ADJ
fsr-3193	135	20	-	-	ADJ
fsr-3193	135	21	bachelor	bachelor	ADJ
fsr-3193	135	22	’s	’s	NOUN
fsr-3193	135	23	degree	degree	NOUN
fsr-3193	135	24	26.30	26.30	NUM
fsr-3193	135	25	%	%	NOUN
fsr-3193	135	26	*	*	PUNCT
fsr-3193	135	27	*	*	PUNCT
fsr-3193	135	28	*	*	X
fsr-3193	135	29	22.03	22.03	NUM
fsr-3193	135	30	%	%	NOUN
fsr-3193	135	31	household	household	NOUN
fsr-3193	135	32	income	income	NOUN
fsr-3193	135	33	less	less	ADJ
fsr-3193	135	34	than	than	ADP
fsr-3193	135	35	$	$	SYM
fsr-3193	135	36	15,000	15,000	NUM
fsr-3193	135	37	5.06	5.06	NUM
fsr-3193	135	38	%	%	NOUN
fsr-3193	135	39	*	*	PUNCT
fsr-3193	135	40	*	*	PUNCT
fsr-3193	135	41	*	*	PUNCT
fsr-3193	135	42	12.12	12.12	NUM
fsr-3193	135	43	%	%	NOUN
fsr-3193	135	44	$	$	SYM
fsr-3193	135	45	15,000–$24,999	15,000–$24,999	NUM
fsr-3193	135	46	7.63	7.63	NUM
fsr-3193	135	47	%	%	NOUN
fsr-3193	135	48	*	*	PUNCT
fsr-3193	135	49	*	*	PUNCT
fsr-3193	135	50	*	*	PUNCT
fsr-3193	135	51	10.99	10.99	NUM
fsr-3193	135	52	%	%	NOUN
fsr-3193	135	53	$	$	SYM
fsr-3193	135	54	25,000–$34,999	25,000–$34,999	NUM
fsr-3193	135	55	8.18	8.18	NUM
fsr-3193	135	56	%	%	NOUN
fsr-3193	135	57	*	*	PUNCT
fsr-3193	135	58	*	*	PUNCT
fsr-3193	135	59	*	*	PUNCT
fsr-3193	135	60	11.35	11.35	NUM
fsr-3193	135	61	%	%	NOUN
fsr-3193	135	62	$	$	SYM
fsr-3193	135	63	35,000–$49,999	35,000–$49,999	NUM
fsr-3193	135	64	13.35	13.35	NUM
fsr-3193	135	65	%	%	NOUN
fsr-3193	135	66	*	*	NOUN
fsr-3193	135	67	15.01	15.01	NUM
fsr-3193	135	68	%	%	NOUN
fsr-3193	135	69	$	$	SYM
fsr-3193	135	70	50,000–$74,999	50,000–$74,999	NOUN
fsr-3193	135	71	18.29	18.29	NUM
fsr-3193	135	72	%	%	NOUN
fsr-3193	135	73	19.24	19.24	NUM
fsr-3193	135	74	%	%	NOUN
fsr-3193	135	75	$	$	SYM
fsr-3193	135	76	75,000–$99,999	75,000–$99,999	NUM
fsr-3193	135	77	23.97	23.97	NUM
fsr-3193	135	78	%	%	NOUN
fsr-3193	135	79	*	*	PUNCT
fsr-3193	135	80	*	*	PUNCT
fsr-3193	135	81	*	*	PUNCT
fsr-3193	135	82	12.60	12.60	NUM
fsr-3193	135	83	%	%	NOUN
fsr-3193	135	84	$	$	SYM
fsr-3193	135	85	100,000–$149,999	100,000–$149,999	NUM
fsr-3193	135	86	16.89	16.89	NUM
fsr-3193	135	87	%	%	NOUN
fsr-3193	135	88	*	*	PUNCT
fsr-3193	135	89	*	*	PUNCT
fsr-3193	135	90	*	*	PUNCT
fsr-3193	135	91	12.03	12.03	NUM
fsr-3193	135	92	%	%	NOUN
fsr-3193	135	93	$	$	SYM
fsr-3193	135	94	150,000	150,000	NUM
fsr-3193	135	95	or	or	CCONJ
fsr-3193	135	96	more	more	ADJ
fsr-3193	135	97	6.63	6.63	NUM
fsr-3193	135	98	%	%	NOUN
fsr-3193	135	99	6.66	6.66	NUM
fsr-3193	135	100	%	%	NOUN
fsr-3193	135	101	(	(	PUNCT
fsr-3193	135	102	continued	continue	VERB
fsr-3193	135	103	on	on	ADP
fsr-3193	135	104	next	next	ADJ
fsr-3193	135	105	page	page	NOUN
fsr-3193	135	106	)	)	PUNCT
fsr-3193	135	107	42	42	NUM
fsr-3193	135	108	m.	m.	NOUN
fsr-3193	135	109	j.	j.	PROPN
fsr-3193	135	110	wilmarth	wilmarth	PROPN
fsr-3193	135	111	et	et	PROPN
fsr-3193	135	112	al	al	PROPN
fsr-3193	135	113	.	.	PUNCT
fsr-3193	135	114	/	/	SYM
fsr-3193	135	115	financial	financial	ADJ
fsr-3193	135	116	services	service	NOUN
fsr-3193	135	117	review	review	VERB
fsr-3193	135	118	31	31	NUM
fsr-3193	135	119	(	(	PUNCT
fsr-3193	135	120	2023	2023	NUM
fsr-3193	135	121	)	)	PUNCT
fsr-3193	135	122	35–54	35–54	NUM
fsr-3193	135	123	had	have	VERB
fsr-3193	135	124	a	a	DET
fsr-3193	135	125	retirement	retirement	NOUN
fsr-3193	135	126	plan(s	plan(s	NOUN
fsr-3193	135	127	)	)	PUNCT
fsr-3193	135	128	.	.	PUNCT
fsr-3193	136	1	further	far	ADV
fsr-3193	136	2	,	,	PUNCT
fsr-3193	136	3	31.1	31.1	NUM
fsr-3193	136	4	%	%	NOUN
fsr-3193	136	5	owned	own	VERB
fsr-3193	136	6	investments	investment	NOUN
fsr-3193	136	7	outside	outside	ADP
fsr-3193	136	8	of	of	ADP
fsr-3193	136	9	their	their	PRON
fsr-3193	136	10	retirement	retirement	NOUN
fsr-3193	136	11	account	account	NOUN
fsr-3193	136	12	and	and	CCONJ
fsr-3193	136	13	only	only	ADV
fsr-3193	136	14	29.9	29.9	NUM
fsr-3193	136	15	%	%	NOUN
fsr-3193	136	16	had	have	VERB
fsr-3193	136	17	a	a	DET
fsr-3193	136	18	will	will	NOUN
fsr-3193	136	19	.	.	PUNCT
fsr-3193	137	1	the	the	DET
fsr-3193	137	2	long	long	ADJ
fsr-3193	137	3	-	-	PUNCT
fsr-3193	137	4	term	term	NOUN
fsr-3193	137	5	behavior	behavior	NOUN
fsr-3193	137	6	mean	mean	VERB
fsr-3193	137	7	composite	composite	ADJ
fsr-3193	137	8	score	score	NOUN
fsr-3193	137	9	for	for	ADP
fsr-3193	137	10	civilian	civilian	ADJ
fsr-3193	137	11	households	household	NOUN
fsr-3193	137	12	was	be	AUX
fsr-3193	137	13	1.66	1.66	NUM
fsr-3193	137	14	.	.	PUNCT
fsr-3193	138	1	for	for	ADP
fsr-3193	138	2	both	both	CCONJ
fsr-3193	138	3	short	short	ADJ
fsr-3193	138	4	-	-	PUNCT
fsr-3193	138	5	term	term	NOUN
fsr-3193	138	6	and	and	CCONJ
fsr-3193	138	7	long	long	ADJ
fsr-3193	138	8	-	-	PUNCT
fsr-3193	138	9	term	term	NOUN
fsr-3193	138	10	behaviors	behavior	NOUN
fsr-3193	138	11	,	,	PUNCT
fsr-3193	138	12	the	the	DET
fsr-3193	138	13	means	mean	NOUN
fsr-3193	138	14	of	of	ADP
fsr-3193	138	15	the	the	DET
fsr-3193	138	16	composite	composite	ADJ
fsr-3193	138	17	scores	score	NOUN
fsr-3193	138	18	were	be	AUX
fsr-3193	138	19	statistically	statistically	ADV
fsr-3193	138	20	higher	high	ADJ
fsr-3193	138	21	for	for	ADP
fsr-3193	138	22	the	the	DET
fsr-3193	138	23	military	military	ADJ
fsr-3193	138	24	households	household	NOUN
fsr-3193	138	25	than	than	ADP
fsr-3193	138	26	civilian	civilian	ADJ
fsr-3193	138	27	households	household	NOUN
fsr-3193	138	28	.	.	PUNCT
fsr-3193	139	1	see	see	VERB
fsr-3193	139	2	figs	fig	NOUN
fsr-3193	139	3	.	.	PUNCT
fsr-3193	140	1	1	1	NUM
fsr-3193	140	2	and	and	CCONJ
fsr-3193	140	3	2	2	NUM
fsr-3193	140	4	for	for	ADP
fsr-3193	140	5	the	the	DET
fsr-3193	140	6	comparison	comparison	NOUN
fsr-3193	140	7	of	of	ADP
fsr-3193	140	8	short	short	ADJ
fsr-3193	140	9	-	-	PUNCT
fsr-3193	140	10	term	term	NOUN
fsr-3193	140	11	and	and	CCONJ
fsr-3193	140	12	long	long	ADJ
fsr-3193	140	13	-	-	PUNCT
fsr-3193	140	14	term	term	NOUN
fsr-3193	140	15	financial	financial	ADJ
fsr-3193	140	16	behaviors	behavior	NOUN
fsr-3193	140	17	by	by	ADP
fsr-3193	140	18	household	household	NOUN
fsr-3193	140	19	type	type	NOUN
fsr-3193	140	20	.	.	PUNCT
fsr-3193	141	1	in	in	ADP
fsr-3193	141	2	terms	term	NOUN
fsr-3193	141	3	of	of	ADP
fsr-3193	141	4	financial	financial	ADJ
fsr-3193	141	5	knowledge	knowledge	NOUN
fsr-3193	141	6	and	and	CCONJ
fsr-3193	141	7	education	education	NOUN
fsr-3193	141	8	,	,	PUNCT
fsr-3193	141	9	military	military	ADJ
fsr-3193	141	10	households	household	NOUN
fsr-3193	141	11	had	have	VERB
fsr-3193	141	12	significantly	significantly	ADV
fsr-3193	141	13	higher	high	ADJ
fsr-3193	141	14	mean	mean	VERB
fsr-3193	141	15	scores	score	NOUN
fsr-3193	141	16	for	for	ADP
fsr-3193	141	17	both	both	CCONJ
fsr-3193	141	18	objective	objective	ADJ
fsr-3193	141	19	and	and	CCONJ
fsr-3193	141	20	subjective	subjective	ADJ
fsr-3193	141	21	financial	financial	ADJ
fsr-3193	141	22	knowledge	knowledge	NOUN
fsr-3193	141	23	than	than	ADP
fsr-3193	141	24	civilian	civilian	ADJ
fsr-3193	141	25	households	household	NOUN
fsr-3193	141	26	.	.	PUNCT
fsr-3193	142	1	military	military	ADJ
fsr-3193	142	2	households	household	NOUN
fsr-3193	142	3	had	have	VERB
fsr-3193	142	4	a	a	DET
fsr-3193	142	5	mean	mean	ADJ
fsr-3193	142	6	score	score	NOUN
fsr-3193	142	7	of	of	ADP
fsr-3193	142	8	3.39	3.39	NUM
fsr-3193	142	9	for	for	ADP
fsr-3193	142	10	objective	objective	ADJ
fsr-3193	142	11	financial	financial	ADJ
fsr-3193	142	12	knowledge	knowledge	NOUN
fsr-3193	142	13	as	as	SCONJ
fsr-3193	142	14	compared	compare	VERB
fsr-3193	142	15	with	with	ADP
fsr-3193	142	16	3.14	3.14	NUM
fsr-3193	142	17	for	for	ADP
fsr-3193	142	18	civilian	civilian	ADJ
fsr-3193	142	19	households	household	NOUN
fsr-3193	142	20	.	.	PUNCT
fsr-3193	143	1	for	for	ADP
fsr-3193	143	2	subjective	subjective	ADJ
fsr-3193	143	3	financial	financial	ADJ
fsr-3193	143	4	knowledge	knowledge	NOUN
fsr-3193	143	5	,	,	PUNCT
fsr-3193	143	6	military	military	ADJ
fsr-3193	143	7	households	household	NOUN
fsr-3193	143	8	in	in	ADP
fsr-3193	143	9	our	our	PRON
fsr-3193	143	10	sample	sample	NOUN
fsr-3193	143	11	had	have	VERB
fsr-3193	143	12	a	a	DET
fsr-3193	143	13	mean	mean	ADJ
fsr-3193	143	14	score	score	NOUN
fsr-3193	143	15	of	of	ADP
fsr-3193	143	16	5.66	5.66	NUM
fsr-3193	143	17	as	as	SCONJ
fsr-3193	143	18	compared	compare	VERB
fsr-3193	143	19	with	with	ADP
fsr-3193	143	20	5.09	5.09	NUM
fsr-3193	143	21	for	for	ADP
fsr-3193	143	22	civilian	civilian	ADJ
fsr-3193	143	23	households	household	NOUN
fsr-3193	143	24	.	.	PUNCT
fsr-3193	144	1	in	in	ADP
fsr-3193	144	2	terms	term	NOUN
fsr-3193	144	3	of	of	ADP
fsr-3193	144	4	financial	financial	ADJ
fsr-3193	144	5	education	education	NOUN
fsr-3193	144	6	,	,	PUNCT
fsr-3193	144	7	31.9	31.9	NUM
fsr-3193	144	8	%	%	NOUN
fsr-3193	144	9	of	of	ADP
fsr-3193	144	10	the	the	DET
fsr-3193	144	11	military	military	ADJ
fsr-3193	144	12	household	household	NOUN
fsr-3193	144	13	sample	sample	NOUN
fsr-3193	144	14	had	have	AUX
fsr-3193	144	15	received	receive	VERB
fsr-3193	144	16	and	and	CCONJ
fsr-3193	144	17	participated	participate	VERB
fsr-3193	144	18	in	in	ADP
fsr-3193	144	19	some	some	DET
fsr-3193	144	20	form	form	NOUN
fsr-3193	144	21	of	of	ADP
fsr-3193	144	22	financial	financial	ADJ
fsr-3193	144	23	education	education	NOUN
fsr-3193	144	24	,	,	PUNCT
fsr-3193	144	25	significantly	significantly	ADV
fsr-3193	144	26	higher	high	ADJ
fsr-3193	144	27	than	than	ADP
fsr-3193	144	28	the	the	DET
fsr-3193	144	29	22.2	22.2	NUM
fsr-3193	144	30	%	%	NOUN
fsr-3193	144	31	of	of	ADP
fsr-3193	144	32	civilian	civilian	ADJ
fsr-3193	144	33	households	household	NOUN
fsr-3193	144	34	who	who	PRON
fsr-3193	144	35	had	have	AUX
fsr-3193	144	36	experienced	experience	VERB
fsr-3193	144	37	financial	financial	ADJ
fsr-3193	144	38	education	education	NOUN
fsr-3193	144	39	.	.	PUNCT
fsr-3193	145	1	the	the	DET
fsr-3193	145	2	distribution	distribution	NOUN
fsr-3193	145	3	of	of	ADP
fsr-3193	145	4	financial	financial	ADJ
fsr-3193	145	5	knowledge	knowledge	NOUN
fsr-3193	145	6	scores	score	NOUN
fsr-3193	145	7	by	by	ADP
fsr-3193	145	8	household	household	NOUN
fsr-3193	145	9	type	type	NOUN
fsr-3193	145	10	is	be	AUX
fsr-3193	145	11	presented	present	VERB
fsr-3193	145	12	in	in	ADP
fsr-3193	145	13	figs	fig	NOUN
fsr-3193	145	14	.	.	PUNCT
fsr-3193	146	1	3	3	NUM
fsr-3193	146	2	and	and	CCONJ
fsr-3193	146	3	4	4	NUM
fsr-3193	146	4	.	.	X
fsr-3193	146	5	other	other	ADJ
fsr-3193	146	6	socio	socio	NOUN
fsr-3193	146	7	-	-	ADJ
fsr-3193	146	8	demographic	demographic	ADJ
fsr-3193	146	9	characteristics	characteristic	NOUN
fsr-3193	146	10	are	be	AUX
fsr-3193	146	11	presented	present	VERB
fsr-3193	146	12	in	in	ADP
fsr-3193	146	13	table	table	NOUN
fsr-3193	146	14	1	1	NUM
fsr-3193	146	15	.	.	PUNCT
fsr-3193	146	16	fig	fig	NOUN
fsr-3193	146	17	.	.	PUNCT
fsr-3193	147	1	1	1	X
fsr-3193	147	2	.	.	X
fsr-3193	147	3	short	short	ADJ
fsr-3193	147	4	-	-	PUNCT
fsr-3193	147	5	term	term	NOUN
fsr-3193	147	6	financial	financial	ADJ
fsr-3193	147	7	behaviors	behavior	NOUN
fsr-3193	147	8	by	by	ADP
fsr-3193	147	9	household	household	NOUN
fsr-3193	147	10	type	type	NOUN
fsr-3193	147	11	,	,	PUNCT
fsr-3193	147	12	2018	2018	NUM
fsr-3193	147	13	national	national	ADJ
fsr-3193	147	14	financial	financial	ADJ
fsr-3193	147	15	capability	capability	NOUN
fsr-3193	147	16	study	study	NOUN
fsr-3193	147	17	(	(	PUNCT
fsr-3193	147	18	nfcs	nfc	NOUN
fsr-3193	147	19	)	)	PUNCT
fsr-3193	147	20	.	.	PUNCT
fsr-3193	148	1	weighted	weight	VERB
fsr-3193	148	2	results	result	NOUN
fsr-3193	148	3	.	.	PUNCT
fsr-3193	149	1	table	table	NOUN
fsr-3193	149	2	1	1	NUM
fsr-3193	149	3	(	(	PUNCT
fsr-3193	149	4	continued	continued	ADJ
fsr-3193	149	5	)	)	PUNCT
fsr-3193	149	6	variables	variable	VERB
fsr-3193	149	7	military	military	ADJ
fsr-3193	149	8	household	household	NOUN
fsr-3193	149	9	(	(	PUNCT
fsr-3193	149	10	n	n	NOUN
fsr-3193	149	11	=	=	SYM
fsr-3193	149	12	3,045	3,045	NUM
fsr-3193	149	13	)	)	PUNCT
fsr-3193	149	14	civilian	civilian	ADJ
fsr-3193	149	15	household	household	NOUN
fsr-3193	149	16	(	(	PUNCT
fsr-3193	149	17	n	n	NOUN
fsr-3193	149	18	=	=	NUM
fsr-3193	149	19	17,751	17,751	NUM
fsr-3193	149	20	)	)	PUNCT
fsr-3193	149	21	substantial	substantial	ADJ
fsr-3193	149	22	income	income	NOUN
fsr-3193	149	23	drop	drop	NOUN
fsr-3193	149	24	31.11	31.11	NUM
fsr-3193	149	25	%	%	NOUN
fsr-3193	149	26	*	*	PUNCT
fsr-3193	149	27	*	*	PUNCT
fsr-3193	149	28	*	*	X
fsr-3193	149	29	20.16	20.16	NUM
fsr-3193	149	30	%	%	NOUN
fsr-3193	149	31	banked	bank	VERB
fsr-3193	149	32	94.77	94.77	NUM
fsr-3193	149	33	%	%	NOUN
fsr-3193	149	34	*	*	PUNCT
fsr-3193	149	35	*	*	PUNCT
fsr-3193	150	1	*	*	PUNCT
fsr-3193	150	2	92.51	92.51	NUM
fsr-3193	150	3	%	%	NOUN
fsr-3193	150	4	homeownership	homeownership	NOUN
fsr-3193	150	5	76.08	76.08	NUM
fsr-3193	150	6	%	%	NOUN
fsr-3193	150	7	*	*	PUNCT
fsr-3193	150	8	*	*	PUNCT
fsr-3193	151	1	*	*	PUNCT
fsr-3193	151	2	57.73	57.73	NUM
fsr-3193	151	3	%	%	NOUN
fsr-3193	151	4	note	note	NOUN
fsr-3193	151	5	.	.	PUNCT
fsr-3193	152	1	weighted	weight	VERB
fsr-3193	152	2	results	result	NOUN
fsr-3193	152	3	.	.	PUNCT
fsr-3193	153	1	*	*	PUNCT
fsr-3193	153	2	p	p	X
fsr-3193	153	3	<	<	X
fsr-3193	153	4	.05	.05	NUM
fsr-3193	153	5	,	,	PUNCT
fsr-3193	153	6	*	*	PUNCT
fsr-3193	153	7	*	*	PUNCT
fsr-3193	153	8	p	p	X
fsr-3193	153	9	<	<	X
fsr-3193	153	10	.01	.01	NUM
fsr-3193	153	11	,	,	PUNCT
fsr-3193	153	12	*	*	PUNCT
fsr-3193	153	13	*	*	PUNCT
fsr-3193	153	14	*	*	PUNCT
fsr-3193	153	15	p	p	X
fsr-3193	153	16	<	<	X
fsr-3193	153	17	.001	.001	NUM
fsr-3193	153	18	.	.	PUNCT
fsr-3193	154	1	m.	m.	PROPN
fsr-3193	154	2	j.	j.	PROPN
fsr-3193	154	3	wilmarth	wilmarth	PROPN
fsr-3193	154	4	et	et	PROPN
fsr-3193	154	5	al	al	PROPN
fsr-3193	154	6	.	.	PUNCT
fsr-3193	154	7	/	/	SYM
fsr-3193	154	8	financial	financial	ADJ
fsr-3193	154	9	services	service	NOUN
fsr-3193	154	10	review	review	VERB
fsr-3193	154	11	31	31	NUM
fsr-3193	154	12	(	(	PUNCT
fsr-3193	154	13	2023	2023	NUM
fsr-3193	154	14	)	)	PUNCT
fsr-3193	154	15	35–54	35–54	NUM
fsr-3193	154	16	43	43	NUM
fsr-3193	154	17	specifically	specifically	ADV
fsr-3193	154	18	investigating	investigate	VERB
fsr-3193	154	19	the	the	DET
fsr-3193	154	20	military	military	ADJ
fsr-3193	154	21	sample	sample	NOUN
fsr-3193	154	22	,	,	PUNCT
fsr-3193	154	23	a	a	DET
fsr-3193	154	24	comparison	comparison	NOUN
fsr-3193	154	25	of	of	ADP
fsr-3193	154	26	financial	financial	ADJ
fsr-3193	154	27	behaviors	behavior	NOUN
fsr-3193	154	28	and	and	CCONJ
fsr-3193	154	29	knowledge	knowledge	NOUN
fsr-3193	154	30	scores	score	NOUN
fsr-3193	154	31	by	by	ADP
fsr-3193	154	32	the	the	DET
fsr-3193	154	33	receipt	receipt	NOUN
fsr-3193	154	34	of	of	ADP
fsr-3193	154	35	financial	financial	ADJ
fsr-3193	154	36	education	education	NOUN
fsr-3193	154	37	is	be	AUX
fsr-3193	154	38	presented	present	VERB
fsr-3193	154	39	in	in	ADP
fsr-3193	154	40	table	table	NOUN
fsr-3193	154	41	2	2	NUM
fsr-3193	154	42	.	.	PUNCT
fsr-3193	154	43	military	military	ADJ
fsr-3193	154	44	households	household	NOUN
fsr-3193	154	45	that	that	PRON
fsr-3193	154	46	had	have	AUX
fsr-3193	154	47	received	receive	VERB
fsr-3193	154	48	financial	financial	ADJ
fsr-3193	154	49	education	education	NOUN
fsr-3193	154	50	had	have	VERB
fsr-3193	154	51	a	a	DET
fsr-3193	154	52	significantly	significantly	ADV
fsr-3193	154	53	higher	high	ADJ
fsr-3193	154	54	mean	mean	VERB
fsr-3193	154	55	subjective	subjective	ADJ
fsr-3193	154	56	financial	financial	ADJ
fsr-3193	154	57	knowledge	knowledge	NOUN
fsr-3193	154	58	score	score	NOUN
fsr-3193	154	59	of	of	ADP
fsr-3193	154	60	5.96	5.96	NUM
fsr-3193	154	61	versus	versus	ADP
fsr-3193	154	62	5.52	5.52	NUM
fsr-3193	154	63	,	,	PUNCT
fsr-3193	154	64	but	but	CCONJ
fsr-3193	154	65	no	no	DET
fsr-3193	154	66	significant	significant	ADJ
fsr-3193	154	67	difference	difference	NOUN
fsr-3193	154	68	in	in	ADP
fsr-3193	154	69	objective	objective	ADJ
fsr-3193	154	70	knowledge	knowledge	NOUN
fsr-3193	154	71	was	be	AUX
fsr-3193	154	72	found	find	VERB
fsr-3193	154	73	.	.	PUNCT
fsr-3193	155	1	a	a	DET
fsr-3193	155	2	mixed	mixed	ADJ
fsr-3193	155	3	pattern	pattern	NOUN
fsr-3193	155	4	exists	exist	VERB
fsr-3193	155	5	with	with	ADP
fsr-3193	155	6	financial	financial	ADJ
fsr-3193	155	7	behaviors	behavior	NOUN
fsr-3193	155	8	,	,	PUNCT
fsr-3193	155	9	military	military	ADJ
fsr-3193	155	10	households	household	NOUN
fsr-3193	155	11	who	who	PRON
fsr-3193	155	12	had	have	AUX
fsr-3193	155	13	received	receive	VERB
fsr-3193	155	14	financial	financial	ADJ
fsr-3193	155	15	education	education	NOUN
fsr-3193	155	16	had	have	VERB
fsr-3193	155	17	a	a	DET
fsr-3193	155	18	lower	low	ADJ
fsr-3193	155	19	mean	mean	NOUN
fsr-3193	155	20	for	for	ADP
fsr-3193	155	21	short	short	ADJ
fsr-3193	155	22	-	-	PUNCT
fsr-3193	155	23	term	term	NOUN
fsr-3193	155	24	behaviors	behavior	NOUN
fsr-3193	155	25	(	(	PUNCT
fsr-3193	155	26	2.29	2.29	NUM
fsr-3193	155	27	vs.	vs.	ADP
fsr-3193	155	28	2.39	2.39	NUM
fsr-3193	155	29	)	)	PUNCT
fsr-3193	155	30	,	,	PUNCT
fsr-3193	155	31	but	but	CCONJ
fsr-3193	155	32	a	a	DET
fsr-3193	155	33	higher	high	ADJ
fsr-3193	155	34	mean	mean	NOUN
fsr-3193	155	35	for	for	ADP
fsr-3193	155	36	long	long	ADJ
fsr-3193	155	37	-	-	PUNCT
fsr-3193	155	38	term	term	NOUN
fsr-3193	155	39	behaviors	behavior	NOUN
fsr-3193	155	40	(	(	PUNCT
fsr-3193	155	41	2.93	2.93	NUM
fsr-3193	155	42	vs.	vs.	ADP
fsr-3193	155	43	2.40	2.40	NUM
fsr-3193	155	44	)	)	PUNCT
fsr-3193	155	45	.	.	PUNCT
fsr-3193	156	1	4.2	4.2	NUM
fsr-3193	156	2	.	.	PUNCT
fsr-3193	156	3	multivariate	multivariate	NOUN
fsr-3193	156	4	results	result	NOUN
fsr-3193	156	5	results	result	NOUN
fsr-3193	156	6	for	for	ADP
fsr-3193	156	7	military	military	ADJ
fsr-3193	156	8	households	household	NOUN
fsr-3193	156	9	(	(	PUNCT
fsr-3193	156	10	see	see	VERB
fsr-3193	156	11	table	table	NOUN
fsr-3193	156	12	3	3	NUM
fsr-3193	156	13	)	)	PUNCT
fsr-3193	156	14	showed	show	VERB
fsr-3193	156	15	that	that	SCONJ
fsr-3193	156	16	the	the	DET
fsr-3193	156	17	key	key	ADJ
fsr-3193	156	18	independent	independent	ADJ
fsr-3193	156	19	variables	variable	NOUN
fsr-3193	156	20	were	be	AUX
fsr-3193	156	21	all	all	PRON
fsr-3193	156	22	associated	associate	VERB
fsr-3193	156	23	with	with	ADP
fsr-3193	156	24	higher	high	ADJ
fsr-3193	156	25	odds	odd	NOUN
fsr-3193	156	26	of	of	ADP
fsr-3193	156	27	having	have	VERB
fsr-3193	156	28	higher	high	ADJ
fsr-3193	156	29	scores	score	NOUN
fsr-3193	156	30	on	on	ADP
fsr-3193	156	31	composite	composite	ADJ
fsr-3193	156	32	indices	index	NOUN
fsr-3193	156	33	for	for	ADP
fsr-3193	156	34	both	both	CCONJ
fsr-3193	156	35	short	short	ADJ
fsr-3193	156	36	-	-	PUNCT
fsr-3193	156	37	term	term	NOUN
fsr-3193	156	38	and	and	CCONJ
fsr-3193	156	39	long	long	ADJ
fsr-3193	156	40	-	-	PUNCT
fsr-3193	156	41	term	term	NOUN
fsr-3193	156	42	financial	financial	ADJ
fsr-3193	156	43	behaviors	behavior	NOUN
fsr-3193	156	44	.	.	PUNCT
fsr-3193	157	1	in	in	ADP
fsr-3193	157	2	particular	particular	ADJ
fsr-3193	157	3	,	,	PUNCT
fsr-3193	157	4	a	a	DET
fsr-3193	157	5	one	one	NUM
fsr-3193	157	6	unit	unit	NOUN
fsr-3193	157	7	increase	increase	NOUN
fsr-3193	157	8	in	in	ADP
fsr-3193	157	9	objective	objective	ADJ
fsr-3193	157	10	financial	financial	ADJ
fsr-3193	157	11	knowledge	knowledge	NOUN
fsr-3193	157	12	increased	increase	VERB
fsr-3193	157	13	the	the	DET
fsr-3193	157	14	odds	odd	NOUN
fsr-3193	157	15	of	of	ADP
fsr-3193	157	16	having	have	VERB
fsr-3193	157	17	a	a	DET
fsr-3193	157	18	higher	high	ADJ
fsr-3193	157	19	level	level	NOUN
fsr-3193	157	20	of	of	ADP
fsr-3193	157	21	short	short	ADJ
fsr-3193	157	22	-	-	PUNCT
fsr-3193	157	23	term	term	NOUN
fsr-3193	157	24	behaviors	behavior	NOUN
fsr-3193	157	25	by	by	ADP
fsr-3193	157	26	6.8	6.8	NUM
fsr-3193	157	27	%	%	NOUN
fsr-3193	157	28	and	and	CCONJ
fsr-3193	157	29	13.3	13.3	NUM
fsr-3193	157	30	%	%	NOUN
fsr-3193	157	31	for	for	ADP
fsr-3193	157	32	long	long	ADJ
fsr-3193	157	33	-	-	PUNCT
fsr-3193	157	34	term	term	NOUN
fsr-3193	157	35	behaviors	behavior	NOUN
fsr-3193	157	36	.	.	PUNCT
fsr-3193	158	1	a	a	DET
fsr-3193	158	2	one	one	NUM
fsr-3193	158	3	-	-	PUNCT
fsr-3193	158	4	unit	unit	NOUN
fsr-3193	158	5	increase	increase	NOUN
fsr-3193	158	6	in	in	ADP
fsr-3193	158	7	subjective	subjective	ADJ
fsr-3193	158	8	financial	financial	ADJ
fsr-3193	158	9	knowledge	knowledge	NOUN
fsr-3193	158	10	increased	increase	VERB
fsr-3193	158	11	the	the	DET
fsr-3193	158	12	odds	odd	NOUN
fsr-3193	158	13	of	of	ADP
fsr-3193	158	14	having	have	VERB
fsr-3193	158	15	a	a	DET
fsr-3193	158	16	higher	high	ADJ
fsr-3193	158	17	level	level	NOUN
fsr-3193	158	18	of	of	ADP
fsr-3193	158	19	short	short	ADJ
fsr-3193	158	20	-	-	PUNCT
fsr-3193	158	21	term	term	NOUN
fsr-3193	158	22	behaviors	behavior	NOUN
fsr-3193	158	23	(	(	PUNCT
fsr-3193	158	24	51.4	51.4	NUM
fsr-3193	158	25	%	%	NOUN
fsr-3193	158	26	)	)	PUNCT
fsr-3193	158	27	and	and	CCONJ
fsr-3193	158	28	longterm	longterm	NOUN
fsr-3193	158	29	behaviors	behavior	NOUN
fsr-3193	158	30	(	(	PUNCT
fsr-3193	158	31	43.9	43.9	NUM
fsr-3193	158	32	%	%	NOUN
fsr-3193	158	33	)	)	PUNCT
fsr-3193	158	34	.	.	PUNCT
fsr-3193	159	1	financial	financial	ADJ
fsr-3193	159	2	education	education	NOUN
fsr-3193	159	3	experience	experience	NOUN
fsr-3193	159	4	increased	increase	VERB
fsr-3193	159	5	the	the	DET
fsr-3193	159	6	odds	odd	NOUN
fsr-3193	159	7	of	of	ADP
fsr-3193	159	8	having	have	VERB
fsr-3193	159	9	a	a	DET
fsr-3193	159	10	higher	high	ADJ
fsr-3193	159	11	level	level	NOUN
fsr-3193	159	12	of	of	ADP
fsr-3193	159	13	long	long	ADJ
fsr-3193	159	14	-	-	PUNCT
fsr-3193	159	15	term	term	NOUN
fsr-3193	159	16	behaviors	behavior	NOUN
fsr-3193	159	17	by	by	ADP
fsr-3193	159	18	56.3	56.3	NUM
fsr-3193	159	19	%	%	NOUN
fsr-3193	159	20	,	,	PUNCT
fsr-3193	159	21	the	the	DET
fsr-3193	159	22	association	association	NOUN
fsr-3193	159	23	was	be	AUX
fsr-3193	159	24	not	not	PART
fsr-3193	159	25	held	hold	VERB
fsr-3193	159	26	significantly	significantly	ADV
fsr-3193	159	27	with	with	ADP
fsr-3193	159	28	short	short	ADJ
fsr-3193	159	29	-	-	PUNCT
fsr-3193	159	30	term	term	NOUN
fsr-3193	159	31	behaviors	behavior	NOUN
fsr-3193	159	32	.	.	PUNCT
fsr-3193	160	1	for	for	ADP
fsr-3193	160	2	military	military	ADJ
fsr-3193	160	3	households	household	NOUN
fsr-3193	160	4	,	,	PUNCT
fsr-3193	160	5	current	current	ADJ
fsr-3193	160	6	military	military	ADJ
fsr-3193	160	7	members	member	NOUN
fsr-3193	160	8	had	have	VERB
fsr-3193	160	9	higher	high	ADJ
fsr-3193	160	10	odds	odd	NOUN
fsr-3193	160	11	of	of	ADP
fsr-3193	160	12	long	long	ADJ
fsr-3193	160	13	-	-	PUNCT
fsr-3193	160	14	term	term	NOUN
fsr-3193	160	15	financial	financial	ADJ
fsr-3193	160	16	behaviors	behavior	NOUN
fsr-3193	160	17	than	than	ADP
fsr-3193	160	18	retired	retired	ADJ
fsr-3193	160	19	members	member	NOUN
fsr-3193	160	20	.	.	PUNCT
fsr-3193	161	1	air	air	PROPN
fsr-3193	161	2	force	force	PROPN
fsr-3193	161	3	members	member	NOUN
fsr-3193	161	4	had	have	VERB
fsr-3193	161	5	higher	high	ADJ
fsr-3193	161	6	odds	odd	NOUN
fsr-3193	161	7	of	of	ADP
fsr-3193	161	8	having	have	VERB
fsr-3193	161	9	a	a	DET
fsr-3193	161	10	higher	high	ADJ
fsr-3193	161	11	level	level	NOUN
fsr-3193	161	12	of	of	ADP
fsr-3193	161	13	short	short	ADJ
fsr-3193	161	14	-	-	PUNCT
fsr-3193	161	15	term	term	NOUN
fsr-3193	161	16	and	and	CCONJ
fsr-3193	161	17	long	long	ADJ
fsr-3193	161	18	-	-	PUNCT
fsr-3193	161	19	term	term	NOUN
fsr-3193	161	20	behaviors	behavior	NOUN
fsr-3193	161	21	than	than	ADP
fsr-3193	161	22	army	army	NOUN
fsr-3193	161	23	members	member	NOUN
fsr-3193	161	24	.	.	PUNCT
fsr-3193	162	1	respondents	respondent	NOUN
fsr-3193	162	2	who	who	PRON
fsr-3193	162	3	were	be	AUX
fsr-3193	162	4	female	female	ADJ
fsr-3193	162	5	,	,	PUNCT
fsr-3193	162	6	white	white	ADJ
fsr-3193	162	7	,	,	PUNCT
fsr-3193	162	8	single	single	ADJ
fsr-3193	162	9	,	,	PUNCT
fsr-3193	162	10	and	and	CCONJ
fsr-3193	162	11	did	do	AUX
fsr-3193	162	12	not	not	PART
fsr-3193	162	13	have	have	VERB
fsr-3193	162	14	dependent	dependent	ADJ
fsr-3193	162	15	children	child	NOUN
fsr-3193	162	16	had	have	VERB
fsr-3193	162	17	higher	high	ADJ
fsr-3193	162	18	odds	odd	NOUN
fsr-3193	162	19	of	of	ADP
fsr-3193	162	20	having	have	VERB
fsr-3193	162	21	a	a	DET
fsr-3193	162	22	higher	high	ADJ
fsr-3193	162	23	short	short	ADJ
fsr-3193	162	24	-	-	PUNCT
fsr-3193	162	25	term	term	NOUN
fsr-3193	162	26	behaviors	behavior	NOUN
fsr-3193	162	27	index	index	NOUN
fsr-3193	162	28	while	while	SCONJ
fsr-3193	162	29	age	age	NOUN
fsr-3193	162	30	was	be	AUX
fsr-3193	162	31	positively	positively	ADV
fsr-3193	162	32	associated	associate	VERB
fsr-3193	162	33	with	with	ADP
fsr-3193	162	34	the	the	DET
fsr-3193	162	35	odds	odd	NOUN
fsr-3193	162	36	for	for	ADP
fsr-3193	162	37	fig	fig	NOUN
fsr-3193	162	38	.	.	PUNCT
fsr-3193	163	1	2	2	X
fsr-3193	163	2	.	.	X
fsr-3193	163	3	long	long	ADJ
fsr-3193	163	4	-	-	PUNCT
fsr-3193	163	5	term	term	NOUN
fsr-3193	163	6	financial	financial	ADJ
fsr-3193	163	7	behaviors	behavior	NOUN
fsr-3193	163	8	by	by	ADP
fsr-3193	163	9	household	household	NOUN
fsr-3193	163	10	type	type	NOUN
fsr-3193	163	11	,	,	PUNCT
fsr-3193	163	12	2018	2018	NUM
fsr-3193	163	13	national	national	ADJ
fsr-3193	163	14	financial	financial	ADJ
fsr-3193	163	15	capability	capability	NOUN
fsr-3193	163	16	study	study	NOUN
fsr-3193	163	17	(	(	PUNCT
fsr-3193	163	18	nfcs	nfc	NOUN
fsr-3193	163	19	)	)	PUNCT
fsr-3193	163	20	.	.	PUNCT
fsr-3193	164	1	weighted	weight	VERB
fsr-3193	164	2	results	result	NOUN
fsr-3193	164	3	.	.	PUNCT
fsr-3193	165	1	44	44	NUM
fsr-3193	165	2	m.	m.	NOUN
fsr-3193	165	3	j.	j.	PROPN
fsr-3193	165	4	wilmarth	wilmarth	PROPN
fsr-3193	165	5	et	et	PROPN
fsr-3193	165	6	al	al	PROPN
fsr-3193	165	7	.	.	PUNCT
fsr-3193	165	8	/	/	SYM
fsr-3193	165	9	financial	financial	ADJ
fsr-3193	165	10	services	service	NOUN
fsr-3193	165	11	review	review	VERB
fsr-3193	165	12	31	31	NUM
fsr-3193	165	13	(	(	PUNCT
fsr-3193	165	14	2023	2023	NUM
fsr-3193	165	15	)	)	PUNCT
fsr-3193	165	16	35–54	35–54	NUM
fsr-3193	165	17	long	long	ADJ
fsr-3193	165	18	-	-	PUNCT
fsr-3193	165	19	term	term	NOUN
fsr-3193	165	20	behaviors	behavior	NOUN
fsr-3193	165	21	.	.	PUNCT
fsr-3193	166	1	additionally	additionally	ADV
fsr-3193	166	2	,	,	PUNCT
fsr-3193	166	3	higher	high	ADJ
fsr-3193	166	4	income	income	NOUN
fsr-3193	166	5	levels	level	NOUN
fsr-3193	166	6	(	(	PUNCT
fsr-3193	166	7	relative	relative	ADJ
fsr-3193	166	8	to	to	ADP
fsr-3193	166	9	income	income	VERB
fsr-3193	166	10	less	less	ADJ
fsr-3193	166	11	than	than	ADP
fsr-3193	166	12	$	$	SYM
fsr-3193	166	13	25,000	25,000	NUM
fsr-3193	166	14	)	)	PUNCT
fsr-3193	166	15	had	have	AUX
fsr-3193	166	16	increased	increase	VERB
fsr-3193	166	17	odds	odd	NOUN
fsr-3193	166	18	of	of	ADP
fsr-3193	166	19	having	have	VERB
fsr-3193	166	20	higher	high	ADJ
fsr-3193	166	21	levels	level	NOUN
fsr-3193	166	22	of	of	ADP
fsr-3193	166	23	both	both	CCONJ
fsr-3193	166	24	short	short	ADJ
fsr-3193	166	25	-	-	PUNCT
fsr-3193	166	26	term	term	NOUN
fsr-3193	166	27	and	and	CCONJ
fsr-3193	166	28	long	long	ADJ
fsr-3193	166	29	-	-	PUNCT
fsr-3193	166	30	term	term	NOUN
fsr-3193	166	31	behaviors	behavior	NOUN
fsr-3193	166	32	.	.	PUNCT
fsr-3193	167	1	the	the	DET
fsr-3193	167	2	odds	odd	NOUN
fsr-3193	167	3	increase	increase	VERB
fsr-3193	167	4	with	with	ADP
fsr-3193	167	5	higher	high	ADJ
fsr-3193	167	6	income	income	NOUN
fsr-3193	167	7	levels	level	NOUN
fsr-3193	167	8	and	and	CCONJ
fsr-3193	167	9	are	be	AUX
fsr-3193	167	10	higher	high	ADJ
fsr-3193	167	11	for	for	ADP
fsr-3193	167	12	long	long	ADJ
fsr-3193	167	13	-	-	PUNCT
fsr-3193	167	14	term	term	NOUN
fsr-3193	167	15	behaviors	behavior	NOUN
fsr-3193	167	16	than	than	ADP
fsr-3193	167	17	short	short	ADJ
fsr-3193	167	18	-	-	PUNCT
fsr-3193	167	19	term	term	NOUN
fsr-3193	167	20	behaviors	behavior	NOUN
fsr-3193	167	21	.	.	PUNCT
fsr-3193	168	1	having	have	VERB
fsr-3193	168	2	a	a	DET
fsr-3193	168	3	substantial	substantial	ADJ
fsr-3193	168	4	income	income	NOUN
fsr-3193	168	5	drop	drop	NOUN
fsr-3193	168	6	was	be	AUX
fsr-3193	168	7	negatively	negatively	ADV
fsr-3193	168	8	associated	associate	VERB
fsr-3193	168	9	with	with	ADP
fsr-3193	168	10	short	short	ADJ
fsr-3193	168	11	-	-	PUNCT
fsr-3193	168	12	term	term	NOUN
fsr-3193	168	13	behaviors	behavior	NOUN
fsr-3193	168	14	while	while	SCONJ
fsr-3193	168	15	positively	positively	ADV
fsr-3193	168	16	associated	associate	VERB
fsr-3193	168	17	with	with	ADP
fsr-3193	168	18	long	long	ADJ
fsr-3193	168	19	-	-	PUNCT
fsr-3193	168	20	term	term	NOUN
fsr-3193	168	21	behaviors	behavior	NOUN
fsr-3193	168	22	.	.	PUNCT
fsr-3193	169	1	banked	bank	VERB
fsr-3193	169	2	households	household	NOUN
fsr-3193	169	3	and	and	CCONJ
fsr-3193	169	4	homeowners	homeowner	NOUN
fsr-3193	169	5	had	have	VERB
fsr-3193	169	6	higher	high	ADJ
fsr-3193	169	7	odds	odd	NOUN
fsr-3193	169	8	for	for	ADP
fsr-3193	169	9	both	both	CCONJ
fsr-3193	169	10	short	short	ADJ
fsr-3193	169	11	-	-	PUNCT
fsr-3193	169	12	term	term	NOUN
fsr-3193	169	13	and	and	CCONJ
fsr-3193	169	14	long	long	ADJ
fsr-3193	169	15	-	-	PUNCT
fsr-3193	169	16	term	term	NOUN
fsr-3193	169	17	financial	financial	ADJ
fsr-3193	169	18	behaviors	behavior	NOUN
fsr-3193	169	19	.	.	PUNCT
fsr-3193	170	1	as	as	ADP
fsr-3193	170	2	a	a	DET
fsr-3193	170	3	reference	reference	NOUN
fsr-3193	170	4	,	,	PUNCT
fsr-3193	170	5	results	result	VERB
fsr-3193	170	6	for	for	ADP
fsr-3193	170	7	both	both	CCONJ
fsr-3193	170	8	short	short	ADJ
fsr-3193	170	9	-	-	PUNCT
fsr-3193	170	10	term	term	NOUN
fsr-3193	170	11	and	and	CCONJ
fsr-3193	170	12	long	long	ADJ
fsr-3193	170	13	-	-	PUNCT
fsr-3193	170	14	term	term	NOUN
fsr-3193	170	15	behaviors	behavior	NOUN
fsr-3193	170	16	of	of	ADP
fsr-3193	170	17	civilian	civilian	ADJ
fsr-3193	170	18	households	household	NOUN
fsr-3193	170	19	are	be	AUX
fsr-3193	170	20	presented	present	VERB
fsr-3193	170	21	in	in	ADP
fsr-3193	170	22	table	table	NOUN
fsr-3193	170	23	3	3	NUM
fsr-3193	170	24	.	.	PUNCT
fsr-3193	170	25	objective	objective	ADJ
fsr-3193	170	26	financial	financial	ADJ
fsr-3193	170	27	knowledge	knowledge	NOUN
fsr-3193	170	28	and	and	CCONJ
fsr-3193	170	29	subjective	subjective	ADJ
fsr-3193	170	30	financial	financial	ADJ
fsr-3193	170	31	knowledge	knowledge	NOUN
fsr-3193	170	32	were	be	AUX
fsr-3193	170	33	associated	associate	VERB
fsr-3193	170	34	with	with	ADP
fsr-3193	170	35	higher	high	ADJ
fsr-3193	170	36	odds	odd	NOUN
fsr-3193	170	37	of	of	ADP
fsr-3193	170	38	having	have	VERB
fsr-3193	170	39	higher	high	ADJ
fsr-3193	170	40	scores	score	NOUN
fsr-3193	170	41	on	on	ADP
fsr-3193	170	42	each	each	PRON
fsr-3193	170	43	of	of	ADP
fsr-3193	170	44	the	the	DET
fsr-3193	170	45	indices	index	NOUN
fsr-3193	170	46	of	of	ADP
fsr-3193	170	47	financial	financial	ADJ
fsr-3193	170	48	behaviors	behavior	NOUN
fsr-3193	170	49	for	for	ADP
fsr-3193	170	50	civilian	civilian	ADJ
fsr-3193	170	51	households	household	NOUN
fsr-3193	170	52	.	.	PUNCT
fsr-3193	171	1	similar	similar	ADJ
fsr-3193	171	2	to	to	ADP
fsr-3193	171	3	military	military	ADJ
fsr-3193	171	4	households	household	NOUN
fsr-3193	171	5	,	,	PUNCT
fsr-3193	171	6	experiencing	experience	VERB
fsr-3193	171	7	financial	financial	ADJ
fsr-3193	171	8	education	education	NOUN
fsr-3193	171	9	was	be	AUX
fsr-3193	171	10	only	only	ADV
fsr-3193	171	11	associated	associate	VERB
fsr-3193	171	12	with	with	ADP
fsr-3193	171	13	long	long	ADJ
fsr-3193	171	14	-	-	PUNCT
fsr-3193	171	15	term	term	NOUN
fsr-3193	171	16	behaviors	behavior	NOUN
fsr-3193	171	17	.	.	PUNCT
fsr-3193	172	1	respondents	respondent	NOUN
fsr-3193	172	2	who	who	PRON
fsr-3193	172	3	were	be	AUX
fsr-3193	172	4	male	male	ADJ
fsr-3193	172	5	,	,	PUNCT
fsr-3193	172	6	asian	asian	ADJ
fsr-3193	172	7	/	/	SYM
fsr-3193	172	8	other	other	ADJ
fsr-3193	172	9	,	,	PUNCT
fsr-3193	172	10	single	single	ADJ
fsr-3193	172	11	,	,	PUNCT
fsr-3193	172	12	did	do	AUX
fsr-3193	172	13	not	not	PART
fsr-3193	172	14	have	have	VERB
fsr-3193	172	15	dependent	dependent	ADJ
fsr-3193	172	16	children	child	NOUN
fsr-3193	172	17	,	,	PUNCT
fsr-3193	172	18	and	and	CCONJ
fsr-3193	172	19	had	have	VERB
fsr-3193	172	20	a	a	DET
fsr-3193	172	21	bachelor	bachelor	NOUN
fsr-3193	172	22	’s	’s	PART
fsr-3193	172	23	degree	degree	NOUN
fsr-3193	172	24	all	all	PRON
fsr-3193	172	25	had	have	VERB
fsr-3193	172	26	odds	odd	NOUN
fsr-3193	172	27	of	of	ADP
fsr-3193	172	28	having	have	VERB
fsr-3193	172	29	higher	high	ADJ
fsr-3193	172	30	short	short	ADJ
fsr-3193	172	31	-	-	PUNCT
fsr-3193	172	32	term	term	NOUN
fsr-3193	172	33	behavior	behavior	NOUN
fsr-3193	172	34	index	index	NOUN
fsr-3193	172	35	scores	score	NOUN
fsr-3193	172	36	.	.	PUNCT
fsr-3193	173	1	age	age	NOUN
fsr-3193	173	2	,	,	PUNCT
fsr-3193	173	3	being	be	AUX
fsr-3193	173	4	white	white	ADJ
fsr-3193	173	5	,	,	PUNCT
fsr-3193	173	6	being	be	AUX
fsr-3193	173	7	married	marry	VERB
fsr-3193	173	8	,	,	PUNCT
fsr-3193	173	9	having	have	VERB
fsr-3193	173	10	no	no	DET
fsr-3193	173	11	dependent	dependent	ADJ
fsr-3193	173	12	children	child	NOUN
fsr-3193	173	13	,	,	PUNCT
fsr-3193	173	14	being	be	AUX
fsr-3193	173	15	employed	employ	VERB
fsr-3193	173	16	,	,	PUNCT
fsr-3193	173	17	and	and	CCONJ
fsr-3193	173	18	education	education	NOUN
fsr-3193	173	19	were	be	AUX
fsr-3193	173	20	all	all	PRON
fsr-3193	173	21	associated	associate	VERB
fsr-3193	173	22	with	with	ADP
fsr-3193	173	23	increased	increase	VERB
fsr-3193	173	24	odds	odd	NOUN
fsr-3193	173	25	of	of	ADP
fsr-3193	173	26	having	have	VERB
fsr-3193	173	27	higher	high	ADJ
fsr-3193	173	28	long	long	ADJ
fsr-3193	173	29	-	-	PUNCT
fsr-3193	173	30	term	term	NOUN
fsr-3193	173	31	behavior	behavior	NOUN
fsr-3193	173	32	index	index	NOUN
fsr-3193	173	33	scores	score	NOUN
fsr-3193	173	34	.	.	PUNCT
fsr-3193	174	1	a	a	DET
fsr-3193	174	2	similar	similar	ADJ
fsr-3193	174	3	pattern	pattern	NOUN
fsr-3193	174	4	in	in	ADP
fsr-3193	174	5	income	income	NOUN
fsr-3193	174	6	,	,	PUNCT
fsr-3193	174	7	substantial	substantial	ADJ
fsr-3193	174	8	income	income	NOUN
fsr-3193	174	9	drop	drop	NOUN
fsr-3193	174	10	,	,	PUNCT
fsr-3193	174	11	banking	banking	NOUN
fsr-3193	174	12	status	status	NOUN
fsr-3193	174	13	,	,	PUNCT
fsr-3193	174	14	and	and	CCONJ
fsr-3193	174	15	homeownership	homeownership	NOUN
fsr-3193	174	16	as	as	SCONJ
fsr-3193	174	17	we	we	PRON
fsr-3193	174	18	observed	observe	VERB
fsr-3193	174	19	with	with	ADP
fsr-3193	174	20	military	military	ADJ
fsr-3193	174	21	households	household	NOUN
fsr-3193	174	22	was	be	AUX
fsr-3193	174	23	found	find	VERB
fsr-3193	174	24	for	for	ADP
fsr-3193	174	25	civilian	civilian	ADJ
fsr-3193	174	26	households	household	NOUN
fsr-3193	174	27	.	.	PUNCT
fsr-3193	175	1	5	5	X
fsr-3193	175	2	.	.	X
fsr-3193	175	3	discussion	discussion	NOUN
fsr-3193	175	4	and	and	CCONJ
fsr-3193	175	5	relevance	relevance	NOUN
fsr-3193	175	6	this	this	DET
fsr-3193	175	7	study	study	NOUN
fsr-3193	175	8	explored	explore	VERB
fsr-3193	175	9	financial	financial	ADJ
fsr-3193	175	10	behaviors	behavior	NOUN
fsr-3193	175	11	of	of	ADP
fsr-3193	175	12	military	military	ADJ
fsr-3193	175	13	households	household	NOUN
fsr-3193	175	14	in	in	ADP
fsr-3193	175	15	the	the	DET
fsr-3193	175	16	united	united	PROPN
fsr-3193	175	17	states	states	PROPN
fsr-3193	175	18	by	by	ADP
fsr-3193	175	19	analyzing	analyze	VERB
fsr-3193	175	20	short	short	ADJ
fsr-3193	175	21	-	-	PUNCT
fsr-3193	175	22	term	term	NOUN
fsr-3193	175	23	and	and	CCONJ
fsr-3193	175	24	long	long	ADJ
fsr-3193	175	25	-	-	PUNCT
fsr-3193	175	26	term	term	NOUN
fsr-3193	175	27	financial	financial	ADJ
fsr-3193	175	28	behaviors	behavior	NOUN
fsr-3193	175	29	.	.	PUNCT
fsr-3193	176	1	we	we	PRON
fsr-3193	176	2	mainly	mainly	ADV
fsr-3193	176	3	investigated	investigate	VERB
fsr-3193	176	4	the	the	DET
fsr-3193	176	5	role	role	NOUN
fsr-3193	176	6	of	of	ADP
fsr-3193	176	7	fig	fig	NOUN
fsr-3193	176	8	.	.	PUNCT
fsr-3193	177	1	3	3	X
fsr-3193	177	2	.	.	X
fsr-3193	177	3	distribution	distribution	NOUN
fsr-3193	177	4	of	of	ADP
fsr-3193	177	5	objective	objective	ADJ
fsr-3193	177	6	financial	financial	ADJ
fsr-3193	177	7	knowledge	knowledge	NOUN
fsr-3193	177	8	by	by	ADP
fsr-3193	177	9	household	household	NOUN
fsr-3193	177	10	type	type	NOUN
fsr-3193	177	11	,	,	PUNCT
fsr-3193	177	12	2018	2018	NUM
fsr-3193	177	13	national	national	ADJ
fsr-3193	177	14	financial	financial	ADJ
fsr-3193	177	15	capability	capability	NOUN
fsr-3193	177	16	study	study	NOUN
fsr-3193	177	17	(	(	PUNCT
fsr-3193	177	18	nfcs	nfc	NOUN
fsr-3193	177	19	)	)	PUNCT
fsr-3193	177	20	.	.	PUNCT
fsr-3193	178	1	weighted	weight	VERB
fsr-3193	178	2	results	result	NOUN
fsr-3193	178	3	.	.	PUNCT
fsr-3193	179	1	m.	m.	NOUN
fsr-3193	179	2	j.	j.	PROPN
fsr-3193	179	3	wilmarth	wilmarth	PROPN
fsr-3193	179	4	et	et	PROPN
fsr-3193	179	5	al	al	PROPN
fsr-3193	179	6	.	.	PUNCT
fsr-3193	179	7	/	/	SYM
fsr-3193	179	8	financial	financial	ADJ
fsr-3193	179	9	services	service	NOUN
fsr-3193	179	10	review	review	VERB
fsr-3193	179	11	31	31	NUM
fsr-3193	179	12	(	(	PUNCT
fsr-3193	179	13	2023	2023	NUM
fsr-3193	179	14	)	)	PUNCT
fsr-3193	179	15	35–54	35–54	NUM
fsr-3193	179	16	45	45	NUM
fsr-3193	179	17	financial	financial	ADJ
fsr-3193	179	18	knowledge	knowledge	NOUN
fsr-3193	179	19	and	and	CCONJ
fsr-3193	179	20	financial	financial	ADJ
fsr-3193	179	21	education	education	NOUN
fsr-3193	179	22	on	on	ADP
fsr-3193	179	23	financial	financial	ADJ
fsr-3193	179	24	behaviors	behavior	NOUN
fsr-3193	179	25	.	.	PUNCT
fsr-3193	180	1	both	both	PRON
fsr-3193	180	2	objective	objective	ADJ
fsr-3193	180	3	and	and	CCONJ
fsr-3193	180	4	subjective	subjective	ADJ
fsr-3193	180	5	financial	financial	ADJ
fsr-3193	180	6	knowledge	knowledge	NOUN
fsr-3193	180	7	show	show	VERB
fsr-3193	180	8	increased	increase	VERB
fsr-3193	180	9	odds	odd	NOUN
fsr-3193	180	10	of	of	ADP
fsr-3193	180	11	having	have	VERB
fsr-3193	180	12	higher	high	ADJ
fsr-3193	180	13	scores	score	NOUN
fsr-3193	180	14	on	on	ADP
fsr-3193	180	15	both	both	CCONJ
fsr-3193	180	16	short	short	ADJ
fsr-3193	180	17	-	-	PUNCT
fsr-3193	180	18	term	term	NOUN
fsr-3193	180	19	and	and	CCONJ
fsr-3193	180	20	long	long	ADJ
fsr-3193	180	21	-	-	PUNCT
fsr-3193	180	22	term	term	NOUN
fsr-3193	180	23	behaviors	behavior	NOUN
fsr-3193	180	24	,	,	PUNCT
fsr-3193	180	25	with	with	ADP
fsr-3193	180	26	larger	large	ADJ
fsr-3193	180	27	odds	odd	NOUN
fsr-3193	180	28	for	for	ADP
fsr-3193	180	29	subjective	subjective	ADJ
fsr-3193	180	30	financial	financial	ADJ
fsr-3193	180	31	knowledge	knowledge	NOUN
fsr-3193	180	32	for	for	ADP
fsr-3193	180	33	both	both	DET
fsr-3193	180	34	indices	index	NOUN
fsr-3193	180	35	.	.	PUNCT
fsr-3193	181	1	over	over	ADP
fsr-3193	181	2	-	-	PUNCT
fsr-3193	181	3	confidence	confidence	NOUN
fsr-3193	181	4	can	can	AUX
fsr-3193	181	5	be	be	AUX
fsr-3193	181	6	a	a	DET
fsr-3193	181	7	concern	concern	NOUN
fsr-3193	181	8	,	,	PUNCT
fsr-3193	181	9	specifically	specifically	ADV
fsr-3193	181	10	for	for	ADP
fsr-3193	181	11	younger	young	ADJ
fsr-3193	181	12	adults	adult	NOUN
fsr-3193	181	13	(	(	PUNCT
fsr-3193	181	14	henager	henag	ADJ
fsr-3193	181	15	&	&	CCONJ
fsr-3193	181	16	cude	cude	ADJ
fsr-3193	181	17	,	,	PUNCT
fsr-3193	181	18	2016	2016	NUM
fsr-3193	181	19	)	)	PUNCT
fsr-3193	181	20	,	,	PUNCT
fsr-3193	181	21	where	where	SCONJ
fsr-3193	181	22	the	the	DET
fsr-3193	181	23	subjective	subjective	ADJ
fsr-3193	181	24	knowledge	knowledge	NOUN
fsr-3193	181	25	and	and	CCONJ
fsr-3193	181	26	objective	objective	ADJ
fsr-3193	181	27	knowledge	knowledge	NOUN
fsr-3193	181	28	do	do	AUX
fsr-3193	181	29	not	not	PART
fsr-3193	181	30	always	always	ADV
fsr-3193	181	31	align	align	VERB
fsr-3193	181	32	.	.	PUNCT
fsr-3193	182	1	robb	robb	NOUN
fsr-3193	182	2	and	and	CCONJ
fsr-3193	182	3	woodyard	woodyard	PROPN
fsr-3193	182	4	(	(	PUNCT
fsr-3193	182	5	2011	2011	NUM
fsr-3193	182	6	)	)	PUNCT
fsr-3193	182	7	also	also	ADV
fsr-3193	182	8	reported	report	VERB
fsr-3193	182	9	that	that	SCONJ
fsr-3193	182	10	financial	financial	ADJ
fsr-3193	182	11	knowledge	knowledge	NOUN
fsr-3193	182	12	and	and	CCONJ
fsr-3193	182	13	financial	financial	ADJ
fsr-3193	182	14	confidence	confidence	NOUN
fsr-3193	182	15	had	have	VERB
fsr-3193	182	16	a	a	DET
fsr-3193	182	17	low	low	ADJ
fsr-3193	182	18	correlation	correlation	NOUN
fsr-3193	182	19	but	but	CCONJ
fsr-3193	182	20	both	both	PRON
fsr-3193	182	21	affect	affect	VERB
fsr-3193	182	22	behavior	behavior	NOUN
fsr-3193	182	23	.	.	PUNCT
fsr-3193	183	1	in	in	ADP
fsr-3193	183	2	this	this	DET
fsr-3193	183	3	case	case	NOUN
fsr-3193	183	4	,	,	PUNCT
fsr-3193	183	5	subjective	subjective	ADJ
fsr-3193	183	6	knowledge	knowledge	NOUN
fsr-3193	183	7	shows	show	VERB
fsr-3193	183	8	that	that	SCONJ
fsr-3193	183	9	this	this	PRON
fsr-3193	183	10	is	be	AUX
fsr-3193	183	11	an	an	DET
fsr-3193	183	12	important	important	ADJ
fsr-3193	183	13	factor	factor	NOUN
fsr-3193	183	14	in	in	ADP
fsr-3193	183	15	the	the	DET
fsr-3193	183	16	behavior	behavior	NOUN
fsr-3193	183	17	of	of	ADP
fsr-3193	183	18	this	this	DET
fsr-3193	183	19	military	military	ADJ
fsr-3193	183	20	sample	sample	NOUN
fsr-3193	183	21	.	.	PUNCT
fsr-3193	184	1	in	in	ADP
fsr-3193	184	2	other	other	ADJ
fsr-3193	184	3	words	word	NOUN
fsr-3193	184	4	,	,	PUNCT
fsr-3193	184	5	if	if	SCONJ
fsr-3193	184	6	they	they	PRON
fsr-3193	184	7	think	think	VERB
fsr-3193	184	8	they	they	PRON
fsr-3193	184	9	can	can	AUX
fsr-3193	184	10	they	they	PRON
fsr-3193	184	11	will	will	AUX
fsr-3193	184	12	,	,	PUNCT
fsr-3193	184	13	as	as	SCONJ
fsr-3193	184	14	those	those	PRON
fsr-3193	184	15	with	with	ADP
fsr-3193	184	16	higher	high	ADJ
fsr-3193	184	17	confidence	confidence	NOUN
fsr-3193	184	18	perform	perform	VERB
fsr-3193	184	19	more	more	ADV
fsr-3193	184	20	positive	positive	ADJ
fsr-3193	184	21	behaviors	behavior	NOUN
fsr-3193	184	22	than	than	ADP
fsr-3193	184	23	those	those	PRON
fsr-3193	184	24	with	with	ADP
fsr-3193	184	25	lower	low	ADJ
fsr-3193	184	26	confidence	confidence	NOUN
fsr-3193	184	27	.	.	PUNCT
fsr-3193	185	1	the	the	DET
fsr-3193	185	2	results	result	NOUN
fsr-3193	185	3	for	for	ADP
fsr-3193	185	4	financial	financial	ADJ
fsr-3193	185	5	education	education	NOUN
fsr-3193	185	6	indicate	indicate	VERB
fsr-3193	185	7	higher	high	ADJ
fsr-3193	185	8	odds	odd	NOUN
fsr-3193	185	9	for	for	ADP
fsr-3193	185	10	long	long	ADJ
fsr-3193	185	11	-	-	PUNCT
fsr-3193	185	12	term	term	NOUN
fsr-3193	185	13	financial	financial	ADJ
fsr-3193	185	14	behaviors	behavior	NOUN
fsr-3193	185	15	.	.	PUNCT
fsr-3193	186	1	the	the	DET
fsr-3193	186	2	relationship	relationship	NOUN
fsr-3193	186	3	was	be	AUX
fsr-3193	186	4	not	not	PART
fsr-3193	186	5	significant	significant	ADJ
fsr-3193	186	6	for	for	ADP
fsr-3193	186	7	short	short	ADJ
fsr-3193	186	8	-	-	PUNCT
fsr-3193	186	9	term	term	NOUN
fsr-3193	186	10	financial	financial	ADJ
fsr-3193	186	11	behaviors	behavior	NOUN
fsr-3193	186	12	.	.	PUNCT
fsr-3193	187	1	this	this	PRON
fsr-3193	187	2	is	be	AUX
fsr-3193	187	3	encouraging	encouraging	ADJ
fsr-3193	187	4	as	as	SCONJ
fsr-3193	187	5	the	the	DET
fsr-3193	187	6	concern	concern	NOUN
fsr-3193	187	7	for	for	ADP
fsr-3193	187	8	military	military	ADJ
fsr-3193	187	9	families	family	NOUN
fsr-3193	187	10	grows	grow	VERB
fsr-3193	187	11	and	and	CCONJ
fsr-3193	187	12	financial	financial	ADJ
fsr-3193	187	13	education	education	NOUN
fsr-3193	187	14	targeted	target	VERB
fsr-3193	187	15	at	at	ADP
fsr-3193	187	16	military	military	ADJ
fsr-3193	187	17	families	family	NOUN
fsr-3193	187	18	has	have	AUX
fsr-3193	187	19	been	be	AUX
fsr-3193	187	20	in	in	ADP
fsr-3193	187	21	the	the	DET
fsr-3193	187	22	policy	policy	NOUN
fsr-3193	187	23	conversation	conversation	NOUN
fsr-3193	187	24	,	,	PUNCT
fsr-3193	187	25	particularly	particularly	ADV
fsr-3193	187	26	financial	financial	ADJ
fsr-3193	187	27	planning	planning	NOUN
fsr-3193	187	28	and	and	CCONJ
fsr-3193	187	29	preparation	preparation	NOUN
fsr-3193	187	30	.	.	PUNCT
fsr-3193	188	1	borden	borden	PROPN
fsr-3193	188	2	and	and	CCONJ
fsr-3193	188	3	colleagues	colleague	NOUN
fsr-3193	188	4	(	(	PUNCT
fsr-3193	188	5	2016	2016	NUM
fsr-3193	188	6	)	)	PUNCT
fsr-3193	188	7	encourage	encourage	VERB
fsr-3193	188	8	the	the	DET
fsr-3193	188	9	use	use	NOUN
fsr-3193	188	10	of	of	ADP
fsr-3193	188	11	financial	financial	ADJ
fsr-3193	188	12	education	education	NOUN
fsr-3193	188	13	programs	program	NOUN
fsr-3193	188	14	to	to	PART
fsr-3193	188	15	increase	increase	VERB
fsr-3193	188	16	protective	protective	ADJ
fsr-3193	188	17	factors	factor	NOUN
fsr-3193	188	18	and	and	CCONJ
fsr-3193	188	19	coping	cope	VERB
fsr-3193	188	20	strategies	strategy	NOUN
fsr-3193	188	21	for	for	ADP
fsr-3193	188	22	military	military	ADJ
fsr-3193	188	23	families	family	NOUN
fsr-3193	188	24	as	as	SCONJ
fsr-3193	188	25	they	they	PRON
fsr-3193	188	26	manage	manage	VERB
fsr-3193	188	27	their	their	PRON
fsr-3193	188	28	finances	finance	NOUN
fsr-3193	188	29	and	and	CCONJ
fsr-3193	188	30	potentially	potentially	ADV
fsr-3193	188	31	deal	deal	VERB
fsr-3193	188	32	with	with	ADP
fsr-3193	188	33	financial	financial	ADJ
fsr-3193	188	34	strain	strain	NOUN
fsr-3193	188	35	.	.	PUNCT
fsr-3193	189	1	recommendations	recommendation	NOUN
fsr-3193	189	2	include	include	VERB
fsr-3193	189	3	financial	financial	ADJ
fsr-3193	189	4	education	education	NOUN
fsr-3193	189	5	programs	program	NOUN
fsr-3193	189	6	including	include	VERB
fsr-3193	189	7	preventative	preventative	ADJ
fsr-3193	189	8	and	and	CCONJ
fsr-3193	189	9	interventional	interventional	ADJ
fsr-3193	189	10	approaches	approach	NOUN
fsr-3193	189	11	focusing	focus	VERB
fsr-3193	189	12	on	on	ADP
fsr-3193	189	13	financial	financial	ADJ
fsr-3193	189	14	communication	communication	NOUN
fsr-3193	189	15	and	and	CCONJ
fsr-3193	189	16	financial	financial	ADJ
fsr-3193	189	17	engagement	engagement	NOUN
fsr-3193	189	18	,	,	PUNCT
fsr-3193	189	19	in	in	ADP
fsr-3193	189	20	addition	addition	NOUN
fsr-3193	189	21	to	to	ADP
fsr-3193	189	22	financial	financial	ADJ
fsr-3193	189	23	knowledge	knowledge	NOUN
fsr-3193	189	24	(	(	PUNCT
fsr-3193	189	25	borden	borden	PROPN
fsr-3193	189	26	et	et	PROPN
fsr-3193	189	27	al	al	PROPN
fsr-3193	189	28	.	.	PROPN
fsr-3193	189	29	,	,	PUNCT
fsr-3193	189	30	2016	2016	NUM
fsr-3193	189	31	)	)	PUNCT
fsr-3193	189	32	.	.	PUNCT
fsr-3193	190	1	an	an	DET
fsr-3193	190	2	interesting	interesting	ADJ
fsr-3193	190	3	finding	finding	NOUN
fsr-3193	190	4	was	be	AUX
fsr-3193	190	5	that	that	SCONJ
fsr-3193	190	6	the	the	DET
fsr-3193	190	7	military	military	ADJ
fsr-3193	190	8	sample	sample	NOUN
fsr-3193	190	9	had	have	VERB
fsr-3193	190	10	a	a	DET
fsr-3193	190	11	higher	high	ADJ
fsr-3193	190	12	percentage	percentage	NOUN
fsr-3193	190	13	of	of	ADP
fsr-3193	190	14	those	those	PRON
fsr-3193	190	15	with	with	ADP
fsr-3193	190	16	a	a	DET
fsr-3193	190	17	will	will	NOUN
fsr-3193	190	18	.	.	PUNCT
fsr-3193	191	1	this	this	PRON
fsr-3193	191	2	is	be	AUX
fsr-3193	191	3	an	an	DET
fsr-3193	191	4	important	important	ADJ
fsr-3193	191	5	part	part	NOUN
fsr-3193	191	6	of	of	ADP
fsr-3193	191	7	long	long	ADJ
fsr-3193	191	8	-	-	PUNCT
fsr-3193	191	9	term	term	NOUN
fsr-3193	191	10	planning	planning	NOUN
fsr-3193	191	11	and	and	CCONJ
fsr-3193	191	12	an	an	DET
fsr-3193	191	13	important	important	ADJ
fsr-3193	191	14	topic	topic	NOUN
fsr-3193	191	15	for	for	ADP
fsr-3193	191	16	financial	financial	ADJ
fsr-3193	191	17	education	education	NOUN
fsr-3193	191	18	for	for	ADP
fsr-3193	191	19	everyone	everyone	PRON
fsr-3193	191	20	(	(	PUNCT
fsr-3193	191	21	kotlikoff	kotlikoff	NOUN
fsr-3193	191	22	,	,	PUNCT
fsr-3193	191	23	1988	1988	NUM
fsr-3193	191	24	)	)	PUNCT
fsr-3193	191	25	.	.	PUNCT
fsr-3193	192	1	military	military	ADJ
fsr-3193	192	2	service	service	NOUN
fsr-3193	192	3	members	member	NOUN
fsr-3193	192	4	and	and	CCONJ
fsr-3193	192	5	their	their	PRON
fsr-3193	192	6	families	family	NOUN
fsr-3193	192	7	have	have	VERB
fsr-3193	192	8	fig	fig	NOUN
fsr-3193	192	9	.	.	PUNCT
fsr-3193	193	1	4	4	X
fsr-3193	193	2	.	.	X
fsr-3193	193	3	distribution	distribution	NOUN
fsr-3193	193	4	of	of	ADP
fsr-3193	193	5	subjective	subjective	ADJ
fsr-3193	193	6	financial	financial	ADJ
fsr-3193	193	7	knowledge	knowledge	NOUN
fsr-3193	193	8	by	by	ADP
fsr-3193	193	9	household	household	NOUN
fsr-3193	193	10	type	type	NOUN
fsr-3193	193	11	,	,	PUNCT
fsr-3193	193	12	2018	2018	NUM
fsr-3193	193	13	national	national	ADJ
fsr-3193	193	14	financial	financial	ADJ
fsr-3193	193	15	capability	capability	NOUN
fsr-3193	193	16	study	study	NOUN
fsr-3193	193	17	(	(	PUNCT
fsr-3193	193	18	nfcs	nfc	NOUN
fsr-3193	193	19	)	)	PUNCT
fsr-3193	193	20	.	.	PUNCT
fsr-3193	194	1	weighted	weight	VERB
fsr-3193	194	2	results	result	NOUN
fsr-3193	194	3	.	.	PUNCT
fsr-3193	195	1	46	46	NUM
fsr-3193	195	2	m.	m.	NOUN
fsr-3193	195	3	j.	j.	PROPN
fsr-3193	195	4	wilmarth	wilmarth	PROPN
fsr-3193	195	5	et	et	PROPN
fsr-3193	195	6	al	al	PROPN
fsr-3193	195	7	.	.	PUNCT
fsr-3193	195	8	/	/	SYM
fsr-3193	195	9	financial	financial	ADJ
fsr-3193	195	10	services	service	NOUN
fsr-3193	195	11	review	review	VERB
fsr-3193	195	12	31	31	NUM
fsr-3193	195	13	(	(	PUNCT
fsr-3193	195	14	2023	2023	NUM
fsr-3193	195	15	)	)	PUNCT
fsr-3193	195	16	35–54	35–54	NUM
fsr-3193	195	17	access	access	NOUN
fsr-3193	195	18	to	to	ADP
fsr-3193	195	19	legal	legal	ADJ
fsr-3193	195	20	assistance	assistance	NOUN
fsr-3193	195	21	,	,	PUNCT
fsr-3193	195	22	which	which	PRON
fsr-3193	195	23	is	be	AUX
fsr-3193	195	24	free	free	ADJ
fsr-3193	195	25	,	,	PUNCT
fsr-3193	195	26	which	which	PRON
fsr-3193	195	27	covers	cover	VERB
fsr-3193	195	28	the	the	DET
fsr-3193	195	29	writing	writing	NOUN
fsr-3193	195	30	of	of	ADP
fsr-3193	195	31	a	a	DET
fsr-3193	195	32	will	will	NOUN
fsr-3193	195	33	(	(	PUNCT
fsr-3193	195	34	military.com	military.com	X
fsr-3193	195	35	,	,	PUNCT
fsr-3193	195	36	2020	2020	NUM
fsr-3193	195	37	)	)	PUNCT
fsr-3193	195	38	.	.	PUNCT
fsr-3193	196	1	having	have	VERB
fsr-3193	196	2	this	this	DET
fsr-3193	196	3	free	free	ADJ
fsr-3193	196	4	service	service	NOUN
fsr-3193	196	5	available	available	ADJ
fsr-3193	196	6	likely	likely	ADV
fsr-3193	196	7	contributes	contribute	VERB
fsr-3193	196	8	to	to	ADP
fsr-3193	196	9	the	the	DET
fsr-3193	196	10	higher	high	ADJ
fsr-3193	196	11	number	number	NOUN
fsr-3193	196	12	of	of	ADP
fsr-3193	196	13	wills	will	NOUN
fsr-3193	196	14	,	,	PUNCT
fsr-3193	196	15	but	but	CCONJ
fsr-3193	196	16	also	also	ADV
fsr-3193	196	17	military	military	ADJ
fsr-3193	196	18	personnel	personnel	NOUN
fsr-3193	196	19	deployed	deploy	VERB
fsr-3193	196	20	likely	likely	ADV
fsr-3193	196	21	want	want	VERB
fsr-3193	196	22	to	to	PART
fsr-3193	196	23	make	make	VERB
fsr-3193	196	24	sure	sure	ADJ
fsr-3193	196	25	their	their	PRON
fsr-3193	196	26	family	family	NOUN
fsr-3193	196	27	is	be	AUX
fsr-3193	196	28	taken	take	VERB
fsr-3193	196	29	care	care	NOUN
fsr-3193	196	30	of	of	ADP
fsr-3193	196	31	and	and	CCONJ
fsr-3193	196	32	are	be	AUX
fsr-3193	196	33	encouraged	encourage	VERB
fsr-3193	196	34	to	to	PART
fsr-3193	196	35	have	have	VERB
fsr-3193	196	36	a	a	DET
fsr-3193	196	37	will	will	NOUN
fsr-3193	196	38	.	.	PUNCT
fsr-3193	197	1	it	it	PRON
fsr-3193	197	2	is	be	AUX
fsr-3193	197	3	concerning	concern	VERB
fsr-3193	197	4	,	,	PUNCT
fsr-3193	197	5	the	the	DET
fsr-3193	197	6	number	number	NOUN
fsr-3193	197	7	of	of	ADP
fsr-3193	197	8	civilian	civilian	ADJ
fsr-3193	197	9	households	household	NOUN
fsr-3193	197	10	without	without	ADP
fsr-3193	197	11	a	a	DET
fsr-3193	197	12	will	will	NOUN
fsr-3193	197	13	,	,	PUNCT
fsr-3193	197	14	and	and	CCONJ
fsr-3193	197	15	is	be	AUX
fsr-3193	197	16	a	a	DET
fsr-3193	197	17	topic	topic	NOUN
fsr-3193	197	18	that	that	PRON
fsr-3193	197	19	ought	ought	AUX
fsr-3193	197	20	to	to	PART
fsr-3193	197	21	be	be	AUX
fsr-3193	197	22	included	include	VERB
fsr-3193	197	23	in	in	ADP
fsr-3193	197	24	financial	financial	ADJ
fsr-3193	197	25	education	education	NOUN
fsr-3193	197	26	at	at	ADP
fsr-3193	197	27	all	all	DET
fsr-3193	197	28	levels	level	NOUN
fsr-3193	197	29	.	.	PUNCT
fsr-3193	198	1	5.1	5.1	NUM
fsr-3193	198	2	.	.	PUNCT
fsr-3193	198	3	limitations	limitation	NOUN
fsr-3193	198	4	while	while	SCONJ
fsr-3193	198	5	the	the	DET
fsr-3193	198	6	nfcs	nfc	NOUN
fsr-3193	198	7	offers	offer	VERB
fsr-3193	198	8	a	a	DET
fsr-3193	198	9	wealth	wealth	NOUN
fsr-3193	198	10	of	of	ADP
fsr-3193	198	11	information	information	NOUN
fsr-3193	198	12	about	about	ADP
fsr-3193	198	13	financial	financial	ADJ
fsr-3193	198	14	situations	situation	NOUN
fsr-3193	198	15	,	,	PUNCT
fsr-3193	198	16	characteristics	characteristic	NOUN
fsr-3193	198	17	,	,	PUNCT
fsr-3193	198	18	behaviors	behavior	NOUN
fsr-3193	198	19	,	,	PUNCT
fsr-3193	198	20	and	and	CCONJ
fsr-3193	198	21	education	education	NOUN
fsr-3193	198	22	of	of	ADP
fsr-3193	198	23	civilian	civilian	ADJ
fsr-3193	198	24	and	and	CCONJ
fsr-3193	198	25	military	military	ADJ
fsr-3193	198	26	households	household	NOUN
fsr-3193	198	27	,	,	PUNCT
fsr-3193	198	28	there	there	PRON
fsr-3193	198	29	are	be	VERB
fsr-3193	198	30	still	still	ADV
fsr-3193	198	31	some	some	DET
fsr-3193	198	32	drawbacks	drawback	NOUN
fsr-3193	198	33	with	with	ADP
fsr-3193	198	34	the	the	DET
fsr-3193	198	35	data	datum	NOUN
fsr-3193	198	36	and	and	CCONJ
fsr-3193	198	37	results	result	NOUN
fsr-3193	198	38	should	should	AUX
fsr-3193	198	39	be	be	AUX
fsr-3193	198	40	viewed	view	VERB
fsr-3193	198	41	with	with	ADP
fsr-3193	198	42	them	they	PRON
fsr-3193	198	43	in	in	ADP
fsr-3193	198	44	mind	mind	NOUN
fsr-3193	198	45	.	.	PUNCT
fsr-3193	199	1	it	it	PRON
fsr-3193	199	2	is	be	AUX
fsr-3193	199	3	important	important	ADJ
fsr-3193	199	4	to	to	PART
fsr-3193	199	5	note	note	VERB
fsr-3193	199	6	that	that	SCONJ
fsr-3193	199	7	the	the	DET
fsr-3193	199	8	nfcs	nfcs	NOUN
fsr-3193	199	9	is	be	AUX
fsr-3193	199	10	self	self	NOUN
fsr-3193	199	11	-	-	PUNCT
fsr-3193	199	12	report	report	NOUN
fsr-3193	199	13	data	datum	NOUN
fsr-3193	199	14	and	and	CCONJ
fsr-3193	199	15	not	not	PART
fsr-3193	199	16	observed	observe	VERB
fsr-3193	199	17	by	by	ADP
fsr-3193	199	18	a	a	DET
fsr-3193	199	19	third	third	ADJ
fsr-3193	199	20	party	party	NOUN
fsr-3193	199	21	,	,	PUNCT
fsr-3193	199	22	so	so	ADV
fsr-3193	199	23	accuracy	accuracy	NOUN
fsr-3193	199	24	of	of	ADP
fsr-3193	199	25	the	the	DET
fsr-3193	199	26	self	self	NOUN
fsr-3193	199	27	-	-	PUNCT
fsr-3193	199	28	reported	report	VERB
fsr-3193	199	29	data	datum	NOUN
fsr-3193	199	30	are	be	AUX
fsr-3193	199	31	not	not	PART
fsr-3193	199	32	fully	fully	ADV
fsr-3193	199	33	known	know	VERB
fsr-3193	199	34	.	.	PUNCT
fsr-3193	200	1	the	the	DET
fsr-3193	200	2	publicly	publicly	ADV
fsr-3193	200	3	available	available	ADJ
fsr-3193	200	4	dataset	dataset	NOUN
fsr-3193	200	5	does	do	AUX
fsr-3193	200	6	not	not	PART
fsr-3193	200	7	contain	contain	VERB
fsr-3193	200	8	information	information	NOUN
fsr-3193	200	9	on	on	ADP
fsr-3193	200	10	whether	whether	SCONJ
fsr-3193	200	11	the	the	DET
fsr-3193	200	12	military	military	ADJ
fsr-3193	200	13	member	member	NOUN
fsr-3193	200	14	was	be	AUX
fsr-3193	200	15	an	an	DET
fsr-3193	200	16	enlisted	enlisted	ADJ
fsr-3193	200	17	member	member	NOUN
fsr-3193	200	18	or	or	CCONJ
fsr-3193	200	19	commissioned	commission	VERB
fsr-3193	200	20	as	as	ADP
fsr-3193	200	21	an	an	DET
fsr-3193	200	22	officer	officer	NOUN
fsr-3193	200	23	.	.	PUNCT
fsr-3193	201	1	this	this	PRON
fsr-3193	201	2	would	would	AUX
fsr-3193	201	3	have	have	VERB
fsr-3193	201	4	an	an	DET
fsr-3193	201	5	impact	impact	NOUN
fsr-3193	201	6	on	on	ADP
fsr-3193	201	7	the	the	DET
fsr-3193	201	8	salary	salary	NOUN
fsr-3193	201	9	while	while	SCONJ
fsr-3193	201	10	the	the	DET
fsr-3193	201	11	member	member	NOUN
fsr-3193	201	12	was	be	AUX
fsr-3193	201	13	still	still	ADV
fsr-3193	201	14	active	active	ADJ
fsr-3193	201	15	military	military	NOUN
fsr-3193	201	16	,	,	PUNCT
fsr-3193	201	17	as	as	ADV
fsr-3193	201	18	well	well	ADV
fsr-3193	201	19	as	as	ADP
fsr-3193	201	20	career	career	NOUN
fsr-3193	201	21	trajectory	trajectory	NOUN
fsr-3193	201	22	,	,	PUNCT
fsr-3193	201	23	and	and	CCONJ
fsr-3193	201	24	potentially	potentially	ADV
fsr-3193	201	25	retirement	retirement	NOUN
fsr-3193	201	26	positions	position	NOUN
fsr-3193	201	27	.	.	PUNCT
fsr-3193	202	1	the	the	DET
fsr-3193	202	2	data	datum	NOUN
fsr-3193	202	3	did	do	AUX
fsr-3193	202	4	not	not	PART
fsr-3193	202	5	allow	allow	VERB
fsr-3193	202	6	for	for	ADP
fsr-3193	202	7	complete	complete	ADJ
fsr-3193	202	8	control	control	NOUN
fsr-3193	202	9	of	of	ADP
fsr-3193	202	10	the	the	DET
fsr-3193	202	11	variation	variation	NOUN
fsr-3193	202	12	of	of	ADP
fsr-3193	202	13	those	those	PRON
fsr-3193	202	14	who	who	PRON
fsr-3193	202	15	have	have	AUX
fsr-3193	202	16	completed	complete	VERB
fsr-3193	202	17	military	military	ADJ
fsr-3193	202	18	service	service	NOUN
fsr-3193	202	19	at	at	ADP
fsr-3193	202	20	different	different	ADJ
fsr-3193	202	21	times	time	NOUN
fsr-3193	202	22	.	.	PUNCT
fsr-3193	203	1	while	while	SCONJ
fsr-3193	203	2	we	we	PRON
fsr-3193	203	3	controlled	control	VERB
fsr-3193	203	4	for	for	ADP
fsr-3193	203	5	length	length	NOUN
fsr-3193	203	6	of	of	ADP
fsr-3193	203	7	time	time	NOUN
fsr-3193	203	8	since	since	SCONJ
fsr-3193	203	9	service	service	NOUN
fsr-3193	203	10	was	be	AUX
fsr-3193	203	11	completed	complete	VERB
fsr-3193	203	12	,	,	PUNCT
fsr-3193	203	13	there	there	PRON
fsr-3193	203	14	is	be	VERB
fsr-3193	203	15	still	still	ADV
fsr-3193	203	16	a	a	DET
fsr-3193	203	17	broad	broad	ADJ
fsr-3193	203	18	range	range	NOUN
fsr-3193	203	19	of	of	ADP
fsr-3193	203	20	personnel	personnel	NOUN
fsr-3193	203	21	that	that	PRON
fsr-3193	203	22	are	be	AUX
fsr-3193	203	23	included	include	VERB
fsr-3193	203	24	in	in	ADP
fsr-3193	203	25	the	the	DET
fsr-3193	203	26	sample	sample	NOUN
fsr-3193	203	27	.	.	PUNCT
fsr-3193	204	1	future	future	ADJ
fsr-3193	204	2	work	work	NOUN
fsr-3193	204	3	would	would	AUX
fsr-3193	204	4	benefit	benefit	VERB
fsr-3193	204	5	from	from	ADP
fsr-3193	204	6	the	the	DET
fsr-3193	204	7	ability	ability	NOUN
fsr-3193	204	8	to	to	PART
fsr-3193	204	9	have	have	AUX
fsr-3193	204	10	additional	additional	ADJ
fsr-3193	204	11	specific	specific	ADJ
fsr-3193	204	12	information	information	NOUN
fsr-3193	204	13	to	to	PART
fsr-3193	204	14	target	target	VERB
fsr-3193	204	15	service	service	NOUN
fsr-3193	204	16	branch	branch	NOUN
fsr-3193	204	17	and	and	CCONJ
fsr-3193	204	18	career	career	NOUN
fsr-3193	204	19	of	of	ADP
fsr-3193	204	20	active	active	ADJ
fsr-3193	204	21	duty	duty	NOUN
fsr-3193	204	22	and	and	CCONJ
fsr-3193	204	23	retired	retire	VERB
fsr-3193	204	24	personnel	personnel	NOUN
fsr-3193	204	25	.	.	PUNCT
fsr-3193	205	1	additionally	additionally	ADV
fsr-3193	205	2	,	,	PUNCT
fsr-3193	205	3	while	while	SCONJ
fsr-3193	205	4	we	we	PRON
fsr-3193	205	5	have	have	VERB
fsr-3193	205	6	important	important	ADJ
fsr-3193	205	7	information	information	NOUN
fsr-3193	205	8	on	on	ADP
fsr-3193	205	9	financial	financial	ADJ
fsr-3193	205	10	education	education	NOUN
fsr-3193	205	11	,	,	PUNCT
fsr-3193	205	12	we	we	PRON
fsr-3193	205	13	do	do	AUX
fsr-3193	205	14	not	not	PART
fsr-3193	205	15	know	know	VERB
fsr-3193	205	16	specifics	specific	NOUN
fsr-3193	205	17	on	on	ADP
fsr-3193	205	18	the	the	DET
fsr-3193	205	19	type	type	NOUN
fsr-3193	205	20	of	of	ADP
fsr-3193	205	21	financial	financial	ADJ
fsr-3193	205	22	education	education	NOUN
fsr-3193	205	23	the	the	DET
fsr-3193	205	24	respondent	respondent	NOUN
fsr-3193	205	25	received	receive	VERB
fsr-3193	205	26	(	(	PUNCT
fsr-3193	205	27	e.g.	e.g.	ADV
fsr-3193	205	28	,	,	PUNCT
fsr-3193	205	29	through	through	ADP
fsr-3193	205	30	the	the	DET
fsr-3193	205	31	military	military	NOUN
fsr-3193	205	32	,	,	PUNCT
fsr-3193	205	33	through	through	ADP
fsr-3193	205	34	a	a	DET
fsr-3193	205	35	military	military	ADJ
fsr-3193	205	36	-	-	PUNCT
fsr-3193	205	37	affiliated	affiliate	VERB
fsr-3193	205	38	partner	partner	NOUN
fsr-3193	205	39	,	,	PUNCT
fsr-3193	205	40	through	through	ADP
fsr-3193	205	41	a	a	DET
fsr-3193	205	42	nonmilitary	nonmilitary	ADJ
fsr-3193	205	43	related	relate	VERB
fsr-3193	205	44	source	source	NOUN
fsr-3193	205	45	,	,	PUNCT
fsr-3193	205	46	type	type	NOUN
fsr-3193	205	47	of	of	ADP
fsr-3193	205	48	programming	programming	NOUN
fsr-3193	205	49	,	,	PUNCT
fsr-3193	205	50	length	length	NOUN
fsr-3193	205	51	,	,	PUNCT
fsr-3193	205	52	etc	etc	X
fsr-3193	205	53	.	.	X
fsr-3193	205	54	)	)	PUNCT
fsr-3193	205	55	.	.	PUNCT
fsr-3193	206	1	with	with	ADP
fsr-3193	206	2	many	many	ADJ
fsr-3193	206	3	of	of	ADP
fsr-3193	206	4	the	the	DET
fsr-3193	206	5	service	service	NOUN
fsr-3193	206	6	branches	branch	NOUN
fsr-3193	206	7	offering	offer	VERB
fsr-3193	206	8	increasing	increase	VERB
fsr-3193	206	9	opportunities	opportunity	NOUN
fsr-3193	206	10	for	for	ADP
fsr-3193	206	11	financial	financial	ADJ
fsr-3193	206	12	education	education	NOUN
fsr-3193	206	13	,	,	PUNCT
fsr-3193	206	14	in	in	ADP
fsr-3193	206	15	varying	vary	VERB
fsr-3193	206	16	forms	form	NOUN
fsr-3193	206	17	,	,	PUNCT
fsr-3193	206	18	it	it	PRON
fsr-3193	206	19	will	will	AUX
fsr-3193	206	20	be	be	AUX
fsr-3193	206	21	important	important	ADJ
fsr-3193	206	22	to	to	PART
fsr-3193	206	23	be	be	AUX
fsr-3193	206	24	able	able	ADJ
fsr-3193	206	25	to	to	PART
fsr-3193	206	26	further	far	ADV
fsr-3193	206	27	table	table	VERB
fsr-3193	206	28	2	2	NUM
fsr-3193	206	29	financial	financial	ADJ
fsr-3193	206	30	behaviors	behavior	NOUN
fsr-3193	206	31	of	of	ADP
fsr-3193	206	32	households	household	NOUN
fsr-3193	206	33	with	with	ADP
fsr-3193	206	34	a	a	DET
fsr-3193	206	35	military	military	ADJ
fsr-3193	206	36	head	head	NOUN
fsr-3193	206	37	by	by	ADP
fsr-3193	206	38	financial	financial	ADJ
fsr-3193	206	39	education	education	NOUN
fsr-3193	206	40	,	,	PUNCT
fsr-3193	206	41	2018	2018	NUM
fsr-3193	206	42	national	national	ADJ
fsr-3193	206	43	financial	financial	ADJ
fsr-3193	206	44	capability	capability	NOUN
fsr-3193	206	45	study	study	NOUN
fsr-3193	206	46	(	(	PUNCT
fsr-3193	206	47	nfcs	nfc	NOUN
fsr-3193	206	48	)	)	PUNCT
fsr-3193	206	49	variables	variable	NOUN
fsr-3193	206	50	military	military	ADJ
fsr-3193	206	51	household	household	NOUN
fsr-3193	206	52	with	with	ADP
fsr-3193	206	53	financial	financial	ADJ
fsr-3193	206	54	education	education	NOUN
fsr-3193	206	55	(	(	PUNCT
fsr-3193	206	56	n	n	NOUN
fsr-3193	206	57	=	=	SYM
fsr-3193	206	58	962	962	NUM
fsr-3193	206	59	)	)	PUNCT
fsr-3193	206	60	military	military	ADJ
fsr-3193	206	61	household	household	NOUN
fsr-3193	206	62	without	without	ADP
fsr-3193	206	63	financial	financial	ADJ
fsr-3193	206	64	education	education	NOUN
fsr-3193	206	65	(	(	PUNCT
fsr-3193	206	66	n	n	NOUN
fsr-3193	206	67	=	=	SYM
fsr-3193	206	68	2,057	2,057	NUM
fsr-3193	206	69	)	)	PUNCT
fsr-3193	206	70	objective	objective	ADJ
fsr-3193	206	71	financial	financial	ADJ
fsr-3193	206	72	knowledge	knowledge	NOUN
fsr-3193	206	73	(	(	PUNCT
fsr-3193	206	74	0	0	NUM
fsr-3193	206	75	-	-	SYM
fsr-3193	206	76	6	6	NUM
fsr-3193	206	77	)	)	PUNCT
fsr-3193	206	78	mean	mean	NOUN
fsr-3193	206	79	(	(	PUNCT
fsr-3193	206	80	sd	sd	NOUN
fsr-3193	206	81	):	):	PUNCT
fsr-3193	206	82	3.31	3.31	NUM
fsr-3193	206	83	(	(	PUNCT
fsr-3193	206	84	1.58	1.58	NUM
fsr-3193	206	85	)	)	PUNCT
fsr-3193	207	1	mean	mean	NOUN
fsr-3193	207	2	(	(	PUNCT
fsr-3193	207	3	sd	sd	NOUN
fsr-3193	207	4	):	):	PUNCT
fsr-3193	207	5	3.44	3.44	NUM
fsr-3193	207	6	(	(	PUNCT
fsr-3193	207	7	1.57	1.57	NUM
fsr-3193	207	8	)	)	PUNCT
fsr-3193	207	9	subjective	subjective	ADJ
fsr-3193	207	10	financial	financial	ADJ
fsr-3193	207	11	knowledge	knowledge	NOUN
fsr-3193	207	12	(	(	PUNCT
fsr-3193	207	13	1	1	NUM
fsr-3193	207	14	-	-	SYM
fsr-3193	207	15	7	7	NUM
fsr-3193	207	16	)	)	PUNCT
fsr-3193	207	17	mean	mean	NOUN
fsr-3193	207	18	(	(	PUNCT
fsr-3193	207	19	sd	sd	NOUN
fsr-3193	207	20	):	):	PUNCT
fsr-3193	207	21	5.96	5.96	NUM
fsr-3193	207	22	(	(	PUNCT
fsr-3193	207	23	1.23	1.23	NUM
fsr-3193	207	24	)	)	PUNCT
fsr-3193	207	25	*	*	PUNCT
fsr-3193	208	1	*	*	PUNCT
fsr-3193	208	2	*	*	PUNCT
fsr-3193	208	3	mean	mean	ADJ
fsr-3193	208	4	(	(	PUNCT
fsr-3193	208	5	sd	sd	NOUN
fsr-3193	208	6	):	):	PUNCT
fsr-3193	208	7	5.52	5.52	NUM
fsr-3193	208	8	(	(	PUNCT
fsr-3193	208	9	1.32	1.32	NUM
fsr-3193	208	10	)	)	PUNCT
fsr-3193	208	11	short	short	ADJ
fsr-3193	208	12	-	-	PUNCT
fsr-3193	208	13	term	term	NOUN
fsr-3193	208	14	behaviors	behavior	NOUN
fsr-3193	208	15	(	(	PUNCT
fsr-3193	208	16	0–4	0–4	X
fsr-3193	208	17	)	)	PUNCT
fsr-3193	208	18	mean	mean	NOUN
fsr-3193	208	19	(	(	PUNCT
fsr-3193	208	20	sd	sd	NOUN
fsr-3193	208	21	):	):	PUNCT
fsr-3193	208	22	2.29	2.29	NUM
fsr-3193	208	23	(	(	PUNCT
fsr-3193	208	24	1.20	1.20	NUM
fsr-3193	208	25	)	)	PUNCT
fsr-3193	208	26	*	*	PUNCT
fsr-3193	208	27	mean	mean	ADJ
fsr-3193	208	28	(	(	PUNCT
fsr-3193	208	29	sd	sd	NOUN
fsr-3193	208	30	):	):	PUNCT
fsr-3193	208	31	2.39	2.39	NUM
fsr-3193	208	32	(	(	PUNCT
fsr-3193	208	33	1.28	1.28	NUM
fsr-3193	208	34	)	)	PUNCT
fsr-3193	208	35	emergency	emergency	NOUN
fsr-3193	208	36	funds	fund	NOUN
fsr-3193	208	37	(	(	PUNCT
fsr-3193	208	38	ownership	ownership	NOUN
fsr-3193	208	39	)	)	PUNCT
fsr-3193	208	40	75.90	75.90	NUM
fsr-3193	208	41	%	%	NOUN
fsr-3193	208	42	*	*	PUNCT
fsr-3193	208	43	*	*	PUNCT
fsr-3193	208	44	*	*	PUNCT
fsr-3193	208	45	62.55	62.55	NUM
fsr-3193	208	46	%	%	NOUN
fsr-3193	208	47	spending	spending	NOUN
fsr-3193	208	48	less	less	ADJ
fsr-3193	208	49	than	than	ADP
fsr-3193	208	50	income	income	NOUN
fsr-3193	208	51	38.60	38.60	NUM
fsr-3193	208	52	%	%	NOUN
fsr-3193	208	53	48.81	48.81	NUM
fsr-3193	208	54	%	%	NOUN
fsr-3193	208	55	no	no	DET
fsr-3193	208	56	overdrafts	overdraft	NOUN
fsr-3193	208	57	52.36	52.36	NUM
fsr-3193	208	58	%	%	NOUN
fsr-3193	208	59	*	*	PUNCT
fsr-3193	208	60	*	*	PUNCT
fsr-3193	208	61	*	*	PUNCT
fsr-3193	208	62	71.23	71.23	NUM
fsr-3193	208	63	%	%	NOUN
fsr-3193	208	64	budgeting	budget	VERB
fsr-3193	208	65	62.48	62.48	NUM
fsr-3193	208	66	%	%	NOUN
fsr-3193	208	67	56.30	56.30	NUM
fsr-3193	208	68	%	%	NOUN
fsr-3193	208	69	long	long	ADJ
fsr-3193	208	70	-	-	PUNCT
fsr-3193	208	71	term	term	NOUN
fsr-3193	208	72	behaviors	behavior	NOUN
fsr-3193	208	73	(	(	PUNCT
fsr-3193	208	74	0–4	0–4	X
fsr-3193	208	75	)	)	PUNCT
fsr-3193	208	76	mean	mean	NOUN
fsr-3193	208	77	(	(	PUNCT
fsr-3193	208	78	sd	sd	NOUN
fsr-3193	208	79	):	):	PUNCT
fsr-3193	208	80	2.93	2.93	NUM
fsr-3193	208	81	(	(	PUNCT
fsr-3193	208	82	1.28	1.28	NUM
fsr-3193	208	83	)	)	PUNCT
fsr-3193	208	84	*	*	PUNCT
fsr-3193	209	1	*	*	PUNCT
fsr-3193	209	2	*	*	PUNCT
fsr-3193	209	3	mean	mean	ADJ
fsr-3193	209	4	(	(	PUNCT
fsr-3193	209	5	sd	sd	NOUN
fsr-3193	209	6	):	):	PUNCT
fsr-3193	209	7	2.40	2.40	NUM
fsr-3193	209	8	(	(	PUNCT
fsr-3193	209	9	1.37	1.37	NUM
fsr-3193	209	10	)	)	PUNCT
fsr-3193	209	11	retirement	retirement	NOUN
fsr-3193	209	12	planning	planning	NOUN
fsr-3193	209	13	(	(	PUNCT
fsr-3193	209	14	amount	amount	NOUN
fsr-3193	209	15	needed	need	VERB
fsr-3193	209	16	)	)	PUNCT
fsr-3193	209	17	75.17	75.17	NUM
fsr-3193	209	18	%	%	NOUN
fsr-3193	209	19	*	*	PUNCT
fsr-3193	209	20	*	*	PUNCT
fsr-3193	209	21	*	*	PUNCT
fsr-3193	209	22	58.04	58.04	NUM
fsr-3193	209	23	%	%	NOUN
fsr-3193	209	24	retirement	retirement	NOUN
fsr-3193	209	25	account	account	NOUN
fsr-3193	209	26	(	(	PUNCT
fsr-3193	209	27	ownership	ownership	NOUN
fsr-3193	209	28	)	)	PUNCT
fsr-3193	209	29	84.01	84.01	NUM
fsr-3193	209	30	%	%	NOUN
fsr-3193	209	31	*	*	PUNCT
fsr-3193	209	32	*	*	PUNCT
fsr-3193	209	33	*	*	X
fsr-3193	209	34	77.29	77.29	NUM
fsr-3193	209	35	%	%	NOUN
fsr-3193	209	36	investments	investment	NOUN
fsr-3193	209	37	(	(	PUNCT
fsr-3193	209	38	ownership	ownership	NOUN
fsr-3193	209	39	)	)	PUNCT
fsr-3193	209	40	64.80	64.80	NUM
fsr-3193	209	41	%	%	NOUN
fsr-3193	209	42	46.65	46.65	NUM
fsr-3193	209	43	%	%	NOUN
fsr-3193	209	44	having	have	VERB
fsr-3193	209	45	a	a	DET
fsr-3193	209	46	will	will	NOUN
fsr-3193	209	47	69.00	69.00	NUM
fsr-3193	209	48	%	%	NOUN
fsr-3193	209	49	*	*	PROPN
fsr-3193	209	50	58.41	58.41	NUM
fsr-3193	209	51	%	%	NOUN
fsr-3193	209	52	note	note	NOUN
fsr-3193	209	53	.	.	PUNCT
fsr-3193	210	1	weighted	weight	VERB
fsr-3193	210	2	results	result	NOUN
fsr-3193	210	3	.	.	PUNCT
fsr-3193	211	1	*	*	PUNCT
fsr-3193	211	2	p	p	X
fsr-3193	211	3	<	<	X
fsr-3193	211	4	.05	.05	NUM
fsr-3193	211	5	,	,	PUNCT
fsr-3193	211	6	*	*	PUNCT
fsr-3193	211	7	*	*	PUNCT
fsr-3193	211	8	p	p	X
fsr-3193	211	9	<	<	X
fsr-3193	211	10	.01	.01	NUM
fsr-3193	211	11	,	,	PUNCT
fsr-3193	211	12	*	*	PUNCT
fsr-3193	211	13	*	*	PUNCT
fsr-3193	211	14	*	*	PUNCT
fsr-3193	211	15	p	p	X
fsr-3193	211	16	<	<	X
fsr-3193	211	17	.001	.001	NUM
fsr-3193	211	18	.	.	PUNCT
fsr-3193	212	1	m.	m.	PROPN
fsr-3193	212	2	j.	j.	PROPN
fsr-3193	212	3	wilmarth	wilmarth	PROPN
fsr-3193	212	4	et	et	PROPN
fsr-3193	212	5	al	al	PROPN
fsr-3193	212	6	.	.	PUNCT
fsr-3193	212	7	/	/	SYM
fsr-3193	212	8	financial	financial	ADJ
fsr-3193	212	9	services	service	NOUN
fsr-3193	212	10	review	review	VERB
fsr-3193	212	11	31	31	NUM
fsr-3193	212	12	(	(	PUNCT
fsr-3193	212	13	2023	2023	NUM
fsr-3193	212	14	)	)	PUNCT
fsr-3193	212	15	35–54	35–54	NUM
fsr-3193	212	16	47	47	NUM
fsr-3193	212	17	t	t	NOUN
fsr-3193	212	18	ab	ab	X
fsr-3193	212	19	le	le	PROPN
fsr-3193	212	20	3	3	NUM
fsr-3193	212	21	o	o	PROPN
fsr-3193	212	22	rd	rd	NOUN
fsr-3193	213	1	er	er	INTJ
fsr-3193	213	2	ed	ed	NOUN
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fsr-3193	213	4	g	g	PROPN
fsr-3193	213	5	it	it	PRON
fsr-3193	213	6	re	re	VERB
fsr-3193	213	7	g	g	PROPN
fsr-3193	213	8	re	re	ADP
fsr-3193	213	9	ss	ss	PROPN
fsr-3193	213	10	io	io	PROPN
fsr-3193	213	11	n	n	PROPN
fsr-3193	213	12	re	re	PROPN
fsr-3193	213	13	su	su	PROPN
fsr-3193	214	1	lt	lt	PROPN
fsr-3193	214	2	s	s	PROPN
fsr-3193	214	3	o	o	NOUN
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fsr-3193	216	2	o	o	INTJ
fsr-3193	216	3	rt	rt	INTJ
fsr-3193	217	1	-t	-t	INTJ
fsr-3193	217	2	er	er	INTJ
fsr-3193	217	3	m	m	VERB
fsr-3193	218	1	an	an	DET
fsr-3193	218	2	d	d	X
fsr-3193	218	3	lo	lo	PROPN
fsr-3193	218	4	n	n	CCONJ
fsr-3193	218	5	g	g	NOUN
fsr-3193	218	6	-t	-t	PUNCT
fsr-3193	218	7	er	er	INTJ
fsr-3193	218	8	m	m	PROPN
fsr-3193	218	9	fi	fi	NOUN
fsr-3193	218	10	n	n	CCONJ
fsr-3193	218	11	an	an	DET
fsr-3193	218	12	ci	ci	PROPN
fsr-3193	218	13	al	al	PROPN
fsr-3193	218	14	b	b	PROPN
fsr-3193	218	15	eh	eh	INTJ
fsr-3193	218	16	av	av	PROPN
fsr-3193	218	17	io	io	X
fsr-3193	218	18	rs	rs	PROPN
fsr-3193	218	19	,	,	PUNCT
fsr-3193	218	20	m	m	VERB
fsr-3193	218	21	il	il	VERB
fsr-3193	218	22	it	it	PRON
fsr-3193	218	23	ar	ar	PROPN
fsr-3193	218	24	y	y	PROPN
fsr-3193	218	25	re	re	ADP
fsr-3193	218	26	sp	sp	ADP
fsr-3193	218	27	o	o	PROPN
fsr-3193	218	28	n	n	PROPN
fsr-3193	218	29	d	d	X
fsr-3193	218	30	en	en	PROPN
fsr-3193	218	31	t	t	PROPN
fsr-3193	218	32	an	an	DET
fsr-3193	218	33	d	d	X
fsr-3193	218	34	ci	ci	PROPN
fsr-3193	218	35	v	v	PROPN
fsr-3193	218	36	il	il	PROPN
fsr-3193	218	37	ia	ia	PROPN
fsr-3193	219	1	n	n	ADV
fsr-3193	219	2	h	h	NOUN
fsr-3193	219	3	o	o	X
fsr-3193	219	4	u	u	X
fsr-3193	220	1	se	se	PROPN
fsr-3193	220	2	h	h	PROPN
fsr-3193	220	3	o	o	X
fsr-3193	220	4	ld	ld	PROPN
fsr-3193	220	5	s	s	PROPN
fsr-3193	220	6	,	,	PUNCT
fsr-3193	220	7	2	2	NUM
fsr-3193	220	8	0	0	NUM
fsr-3193	220	9	1	1	NUM
fsr-3193	220	10	8	8	NUM
fsr-3193	220	11	n	n	NOUN
fsr-3193	220	12	at	at	ADP
fsr-3193	220	13	io	io	PROPN
fsr-3193	220	14	n	n	PROPN
fsr-3193	220	15	al	al	PROPN
fsr-3193	220	16	f	f	PROPN
fsr-3193	220	17	in	in	ADP
fsr-3193	220	18	an	an	DET
fsr-3193	220	19	ci	ci	NOUN
fsr-3193	220	20	al	al	PROPN
fsr-3193	220	21	c	c	PROPN
fsr-3193	220	22	ap	ap	PROPN
fsr-3193	221	1	ab	ab	PROPN
fsr-3193	221	2	il	il	PROPN
fsr-3193	221	3	it	it	PRON
fsr-3193	222	1	y	y	PROPN
fsr-3193	222	2	s	s	VERB
fsr-3193	222	3	tu	tu	PROPN
fsr-3193	222	4	d	d	X
fsr-3193	222	5	y	y	PROPN
fsr-3193	222	6	(	(	PUNCT
fsr-3193	222	7	n	n	NOUN
fsr-3193	222	8	f	f	PROPN
fsr-3193	222	9	c	c	PROPN
fsr-3193	222	10	s	s	PART
fsr-3193	222	11	)	)	PUNCT
fsr-3193	222	12	v	v	PROPN
fsr-3193	222	13	ar	ar	PROPN
fsr-3193	222	14	ia	ia	PROPN
fsr-3193	222	15	b	b	PROPN
fsr-3193	222	16	le	le	PROPN
fsr-3193	222	17	s	s	PROPN
fsr-3193	222	18	m	m	VERB
fsr-3193	222	19	il	il	NOUN
fsr-3193	222	20	it	it	PRON
fsr-3193	222	21	ar	ar	VERB
fsr-3193	222	22	y	y	PROPN
fsr-3193	222	23	h	h	NOUN
fsr-3193	223	1	o	o	X
fsr-3193	223	2	u	u	X
fsr-3193	223	3	se	se	PROPN
fsr-3193	223	4	h	h	PROPN
fsr-3193	224	1	o	o	X
fsr-3193	224	2	ld	ld	PROPN
fsr-3193	224	3	s	s	PROPN
fsr-3193	224	4	n	n	NOUN
fsr-3193	224	5	=	=	SYM
fsr-3193	224	6	3	3	NUM
fsr-3193	224	7	,	,	PUNCT
fsr-3193	224	8	2	2	NUM
fsr-3193	224	9	6	6	NUM
fsr-3193	224	10	6	6	NUM
fsr-3193	224	11	c	c	NOUN
fsr-3193	224	12	iv	iv	ADP
fsr-3193	224	13	il	il	PROPN
fsr-3193	224	14	ia	ia	PROPN
fsr-3193	225	1	n	n	ADV
fsr-3193	225	2	h	h	NOUN
fsr-3193	225	3	o	o	X
fsr-3193	225	4	u	u	X
fsr-3193	226	1	se	se	PROPN
fsr-3193	226	2	h	h	PROPN
fsr-3193	226	3	o	o	X
fsr-3193	226	4	ld	ld	PROPN
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fsr-3193	226	7	=	=	SYM
fsr-3193	226	8	2	2	NUM
fsr-3193	226	9	0	0	NUM
fsr-3193	226	10	,	,	PUNCT
fsr-3193	226	11	1	1	NUM
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fsr-3193	226	13	3	3	NUM
fsr-3193	226	14	s	s	NOUN
fsr-3193	226	15	h	h	NOUN
fsr-3193	227	1	o	o	INTJ
fsr-3193	227	2	rt	rt	INTJ
fsr-3193	227	3	-t	-t	INTJ
fsr-3193	227	4	er	er	INTJ
fsr-3193	227	5	m	m	PROPN
fsr-3193	227	6	b	b	NOUN
fsr-3193	227	7	eh	eh	INTJ
fsr-3193	227	8	av	av	PROPN
fsr-3193	227	9	io	io	X
fsr-3193	227	10	rs	rs	PROPN
fsr-3193	227	11	l	l	NOUN
fsr-3193	227	12	o	o	NOUN
fsr-3193	227	13	n	n	CCONJ
fsr-3193	227	14	g	g	NOUN
fsr-3193	228	1	-t	-t	INTJ
fsr-3193	228	2	er	er	INTJ
fsr-3193	228	3	m	m	PROPN
fsr-3193	228	4	b	b	NOUN
fsr-3193	228	5	eh	eh	INTJ
fsr-3193	228	6	av	av	PROPN
fsr-3193	228	7	io	io	X
fsr-3193	228	8	rs	rs	PROPN
fsr-3193	229	1	s	s	PART
fsr-3193	229	2	h	h	NOUN
fsr-3193	230	1	o	o	INTJ
fsr-3193	230	2	rt	rt	INTJ
fsr-3193	230	3	-t	-t	INTJ
fsr-3193	230	4	er	er	INTJ
fsr-3193	230	5	m	m	PROPN
fsr-3193	230	6	b	b	NOUN
fsr-3193	230	7	eh	eh	INTJ
fsr-3193	230	8	av	av	PROPN
fsr-3193	230	9	io	io	X
fsr-3193	230	10	rs	rs	PROPN
fsr-3193	230	11	l	l	NOUN
fsr-3193	230	12	o	o	NOUN
fsr-3193	230	13	n	n	CCONJ
fsr-3193	230	14	g	g	NOUN
fsr-3193	231	1	-t	-t	INTJ
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fsr-3193	231	3	m	m	PROPN
fsr-3193	231	4	b	b	NOUN
fsr-3193	231	5	eh	eh	INTJ
fsr-3193	231	6	av	av	PROPN
fsr-3193	231	7	io	io	NOUN
fsr-3193	231	8	rs	rs	INTJ
fsr-3193	232	1	o	o	PROPN
fsr-3193	233	1	d	d	X
fsr-3193	233	2	d	d	X
fsr-3193	233	3	s	s	VERB
fsr-3193	233	4	ra	ra	NOUN
fsr-3193	233	5	ti	ti	NOUN
fsr-3193	233	6	o	o	NOUN
fsr-3193	233	7	x	x	PROPN
fsr-3193	233	8	2	2	NUM
fsr-3193	233	9	o	o	NOUN
fsr-3193	234	1	d	d	X
fsr-3193	234	2	d	d	X
fsr-3193	234	3	s	s	VERB
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fsr-3193	234	7	x	x	PROPN
fsr-3193	234	8	2	2	NUM
fsr-3193	234	9	o	o	NOUN
fsr-3193	235	1	d	d	X
fsr-3193	235	2	d	d	X
fsr-3193	235	3	s	s	VERB
fsr-3193	235	4	ra	ra	NOUN
fsr-3193	235	5	ti	ti	NOUN
fsr-3193	235	6	o	o	NOUN
fsr-3193	235	7	x	x	PROPN
fsr-3193	235	8	2	2	NUM
fsr-3193	235	9	o	o	NOUN
fsr-3193	236	1	d	d	X
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fsr-3193	236	3	s	s	VERB
fsr-3193	236	4	ra	ra	NOUN
fsr-3193	236	5	ti	ti	NOUN
fsr-3193	236	6	o	o	NOUN
fsr-3193	236	7	x	x	PROPN
fsr-3193	236	8	2	2	NUM
fsr-3193	236	9	f	f	NOUN
fsr-3193	236	10	in	in	ADP
fsr-3193	236	11	an	an	DET
fsr-3193	236	12	ci	ci	NOUN
fsr-3193	236	13	al	al	PROPN
fsr-3193	236	14	k	k	PROPN
fsr-3193	237	1	n	n	PRON
fsr-3193	238	1	o	o	X
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fsr-3193	238	3	le	le	PROPN
fsr-3193	239	1	d	d	X
fsr-3193	239	2	g	g	PROPN
fsr-3193	239	3	e	e	PROPN
fsr-3193	239	4	an	an	DET
fsr-3193	239	5	d	d	PROPN
fsr-3193	239	6	fi	fi	NOUN
fsr-3193	239	7	n	n	CCONJ
fsr-3193	239	8	an	an	DET
fsr-3193	239	9	ci	ci	NOUN
fsr-3193	239	10	al	al	PROPN
fsr-3193	239	11	ed	ed	PROPN
fsr-3193	239	12	u	u	PROPN
fsr-3193	239	13	ca	can	AUX
fsr-3193	239	14	ti	ti	NOUN
fsr-3193	239	15	o	o	NOUN
fsr-3193	239	16	n	n	INTJ
fsr-3193	239	17	o	o	PROPN
fsr-3193	239	18	b	b	X
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fsr-3193	239	22	e	e	PROPN
fsr-3193	239	23	fi	fi	NOUN
fsr-3193	239	24	n	n	CCONJ
fsr-3193	239	25	an	an	DET
fsr-3193	239	26	ci	ci	NOUN
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fsr-3193	239	30	o	o	X
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fsr-3193	239	41	*	*	SYM
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fsr-3193	239	47	1	1	NUM
fsr-3193	239	48	.1	.1	NUM
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fsr-3193	239	52	*	*	PUNCT
fsr-3193	239	53	*	*	PUNCT
fsr-3193	240	1	*	*	PUNCT
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fsr-3193	240	7	0	0	NUM
fsr-3193	240	8	1	1	NUM
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fsr-3193	240	13	*	*	PUNCT
fsr-3193	241	1	*	*	PUNCT
fsr-3193	241	2	*	*	PUNCT
fsr-3193	241	3	8	8	NUM
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fsr-3193	241	5	.1	.1	NUM
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fsr-3193	241	7	6	6	NUM
fsr-3193	241	8	5	5	NUM
fsr-3193	241	9	1	1	NUM
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fsr-3193	241	11	6	6	NUM
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fsr-3193	241	13	6	6	NUM
fsr-3193	241	14	*	*	PUNCT
fsr-3193	242	1	*	*	PUNCT
fsr-3193	242	2	*	*	PUNCT
fsr-3193	242	3	5	5	NUM
fsr-3193	242	4	1	1	NUM
fsr-3193	242	5	3	3	NUM
fsr-3193	242	6	.7	.7	NUM
fsr-3193	242	7	7	7	NUM
fsr-3193	242	8	5	5	NUM
fsr-3193	242	9	6	6	NUM
fsr-3193	242	10	s	s	NOUN
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fsr-3193	242	16	e	e	PROPN
fsr-3193	242	17	fi	fi	NOUN
fsr-3193	242	18	n	n	CCONJ
fsr-3193	242	19	an	an	DET
fsr-3193	242	20	ci	ci	NOUN
fsr-3193	242	21	al	al	PROPN
fsr-3193	242	22	k	k	PROPN
fsr-3193	242	23	n	n	PRON
fsr-3193	242	24	o	o	X
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fsr-3193	243	1	d	d	X
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fsr-3193	243	4	1	1	NUM
fsr-3193	243	5	.5	.5	NUM
fsr-3193	243	6	1	1	NUM
fsr-3193	243	7	4	4	NUM
fsr-3193	243	8	1	1	NUM
fsr-3193	243	9	*	*	PUNCT
fsr-3193	244	1	*	*	PUNCT
fsr-3193	244	2	*	*	PUNCT
fsr-3193	244	3	1	1	NUM
fsr-3193	244	4	8	8	NUM
fsr-3193	244	5	0	0	NUM
fsr-3193	244	6	.9	.9	NUM
fsr-3193	244	7	3	3	NUM
fsr-3193	244	8	9	9	NUM
fsr-3193	244	9	7	7	NUM
fsr-3193	244	10	1	1	NUM
fsr-3193	244	11	.4	.4	NUM
fsr-3193	244	12	3	3	NUM
fsr-3193	244	13	8	8	NUM
fsr-3193	244	14	5	5	NUM
fsr-3193	244	15	*	*	PUNCT
fsr-3193	244	16	*	*	PUNCT
fsr-3193	244	17	*	*	PUNCT
fsr-3193	244	18	1	1	NUM
fsr-3193	244	19	3	3	NUM
fsr-3193	244	20	9	9	NUM
fsr-3193	244	21	.7	.7	NUM
fsr-3193	244	22	9	9	NUM
fsr-3193	244	23	1	1	NUM
fsr-3193	244	24	5	5	NUM
fsr-3193	244	25	1	1	NUM
fsr-3193	244	26	.3	.3	NUM
fsr-3193	244	27	7	7	NUM
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fsr-3193	244	29	7	7	NUM
fsr-3193	244	30	*	*	PUNCT
fsr-3193	244	31	*	*	PUNCT
fsr-3193	245	1	*	*	PUNCT
fsr-3193	245	2	7	7	NUM
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fsr-3193	245	4	3	3	NUM
fsr-3193	245	5	.1	.1	NUM
fsr-3193	245	6	6	6	NUM
fsr-3193	245	7	8	8	NUM
fsr-3193	245	8	4	4	NUM
fsr-3193	245	9	1	1	NUM
fsr-3193	245	10	.3	.3	NUM
fsr-3193	245	11	5	5	NUM
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fsr-3193	245	13	1	1	NUM
fsr-3193	245	14	*	*	PUNCT
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fsr-3193	246	1	*	*	PUNCT
fsr-3193	246	2	6	6	NUM
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fsr-3193	246	5	.7	.7	NUM
fsr-3193	246	6	5	5	NUM
fsr-3193	246	7	6	6	NUM
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fsr-3193	271	28	e/	e/	PROPN
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fsr-3193	283	4	eg	eg	NOUN
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fsr-3193	286	19	3	3	NUM
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fsr-3193	286	24	2	2	NUM
fsr-3193	286	25	0	0	NUM
fsr-3193	286	26	.1	.1	NUM
fsr-3193	286	27	7	7	NUM
fsr-3193	286	28	5	5	NUM
fsr-3193	286	29	6	6	NUM
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fsr-3193	287	1	*	*	PUNCT
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fsr-3193	287	5	.5	.5	NUM
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fsr-3193	287	7	6	6	NUM
fsr-3193	287	8	9	9	NUM
fsr-3193	287	9	b	b	NUM
fsr-3193	287	10	ac	ac	PROPN
fsr-3193	287	11	h	h	PROPN
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fsr-3193	288	5	s	s	NOUN
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fsr-3193	288	7	eg	eg	NOUN
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fsr-3193	288	9	e	e	PROPN
fsr-3193	288	10	1	1	NUM
fsr-3193	288	11	.1	.1	NUM
fsr-3193	288	12	3	3	NUM
fsr-3193	288	13	3	3	NUM
fsr-3193	288	14	7	7	NUM
fsr-3193	288	15	0	0	NUM
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fsr-3193	288	17	0	0	NUM
fsr-3193	288	18	4	4	NUM
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fsr-3193	288	20	0	0	NUM
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fsr-3193	289	2	0	0	NUM
fsr-3193	289	3	3	3	NUM
fsr-3193	289	4	6	6	NUM
fsr-3193	289	5	1	1	NUM
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fsr-3193	289	7	7	7	NUM
fsr-3193	289	8	5	5	NUM
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fsr-3193	289	10	1	1	NUM
fsr-3193	289	11	.2	.2	NUM
fsr-3193	289	12	3	3	NUM
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fsr-3193	289	14	6	6	NUM
fsr-3193	289	15	*	*	SYM
fsr-3193	289	16	5	5	NUM
fsr-3193	289	17	.0	.0	NUM
fsr-3193	289	18	5	5	NUM
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fsr-3193	289	20	0	0	NUM
fsr-3193	289	21	2	2	NUM
fsr-3193	289	22	.8	.8	PROPN
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fsr-3193	289	25	0	0	NUM
fsr-3193	289	26	*	*	PUNCT
fsr-3193	290	1	*	*	PUNCT
fsr-3193	290	2	*	*	PUNCT
fsr-3193	291	1	8	8	NUM
fsr-3193	291	2	4	4	NUM
fsr-3193	291	3	.8	.8	NUM
fsr-3193	291	4	3	3	NUM
fsr-3193	291	5	5	5	NUM
fsr-3193	291	6	3	3	NUM
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fsr-3193	291	10	-b	-b	PUNCT
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fsr-3193	292	5	eg	eg	NOUN
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fsr-3193	292	8	0	0	PROPN
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fsr-3193	292	10	2	2	NUM
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fsr-3193	292	13	0	0	NUM
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fsr-3193	292	15	3	3	NUM
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fsr-3193	292	17	5	5	NUM
fsr-3193	292	18	0	0	NUM
fsr-3193	292	19	.6	.6	NUM
fsr-3193	292	20	7	7	NUM
fsr-3193	292	21	5	5	NUM
fsr-3193	292	22	2	2	NUM
fsr-3193	292	23	0	0	NUM
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fsr-3193	292	25	6	6	NUM
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fsr-3193	292	28	1	1	NUM
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fsr-3193	292	42	4	4	NUM
fsr-3193	292	43	*	*	PUNCT
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fsr-3193	293	2	*	*	PUNCT
fsr-3193	293	3	8	8	NUM
fsr-3193	293	4	5	5	NUM
fsr-3193	293	5	.8	.8	NUM
fsr-3193	293	6	7	7	NUM
fsr-3193	293	7	1	1	NUM
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fsr-3193	293	12	n	n	CCONJ
fsr-3193	293	13	ti	ti	NOUN
fsr-3193	293	14	n	n	CCONJ
fsr-3193	293	15	u	u	NOUN
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fsr-3193	293	17	o	o	PROPN
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fsr-3193	293	19	n	n	NOUN
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fsr-3193	293	21	t	t	NOUN
fsr-3193	293	22	p	p	X
fsr-3193	293	23	a	a	DET
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fsr-3193	293	25	e	e	NOUN
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fsr-3193	293	27	48	48	NUM
fsr-3193	293	28	m.	m.	NOUN
fsr-3193	293	29	j.	j.	PROPN
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fsr-3193	293	39	(	(	PUNCT
fsr-3193	293	40	2023	2023	NUM
fsr-3193	293	41	)	)	PUNCT
fsr-3193	293	42	35–54	35–54	NUM
fsr-3193	293	43	t	t	NOUN
fsr-3193	293	44	ab	ab	X
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fsr-3193	293	47	(	(	PUNCT
fsr-3193	293	48	c	c	NOUN
fsr-3193	293	49	o	o	NOUN
fsr-3193	293	50	n	n	CCONJ
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fsr-3193	293	52	n	n	CCONJ
fsr-3193	293	53	u	u	NOUN
fsr-3193	293	54	ed	ed	PROPN
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fsr-3193	293	62	m	m	VERB
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fsr-3193	293	66	y	y	PROPN
fsr-3193	294	1	h	h	NOUN
fsr-3193	295	1	o	o	X
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fsr-3193	296	1	o	o	X
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fsr-3193	296	3	s	s	PROPN
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fsr-3193	296	5	=	=	SYM
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fsr-3193	296	7	,	,	PUNCT
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fsr-3193	296	9	6	6	NUM
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fsr-3193	296	11	c	c	NOUN
fsr-3193	296	12	iv	iv	ADP
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fsr-3193	297	3	o	o	X
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fsr-3193	298	7	=	=	SYM
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fsr-3193	301	1	s	s	PART
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fsr-3193	302	13	n	n	CCONJ
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fsr-3193	304	1	o	o	PROPN
fsr-3193	305	1	d	d	X
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fsr-3193	305	3	s	s	VERB
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fsr-3193	305	7	x	x	PROPN
fsr-3193	305	8	2	2	NUM
fsr-3193	305	9	o	o	NOUN
fsr-3193	306	1	d	d	X
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fsr-3193	306	3	s	s	VERB
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fsr-3193	306	8	2	2	NUM
fsr-3193	306	9	o	o	NOUN
fsr-3193	307	1	d	d	X
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fsr-3193	307	3	s	s	VERB
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fsr-3193	307	7	x	x	PROPN
fsr-3193	307	8	2	2	NUM
fsr-3193	307	9	o	o	NOUN
fsr-3193	308	1	d	d	X
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fsr-3193	308	7	x	x	SYM
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fsr-3193	308	9	h	h	NOUN
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fsr-3193	308	73	7	7	NUM
fsr-3193	308	74	8	8	NUM
fsr-3193	308	75	0	0	NUM
fsr-3193	308	76	.9	.9	NUM
fsr-3193	308	77	7	7	NUM
fsr-3193	308	78	3	3	NUM
fsr-3193	308	79	2	2	NUM
fsr-3193	308	80	0	0	NUM
fsr-3193	308	81	.2	.2	NUM
fsr-3193	308	82	1	1	NUM
fsr-3193	308	83	0	0	NUM
fsr-3193	308	84	6	6	NUM
fsr-3193	308	85	1	1	NUM
fsr-3193	308	86	.6	.6	NUM
fsr-3193	308	87	6	6	NUM
fsr-3193	308	88	2	2	NUM
fsr-3193	308	89	1	1	NUM
fsr-3193	308	90	*	*	PUNCT
fsr-3193	309	1	*	*	PUNCT
fsr-3193	309	2	*	*	PUNCT
fsr-3193	309	3	5	5	NUM
fsr-3193	309	4	7	7	NUM
fsr-3193	309	5	.8	.8	NUM
fsr-3193	309	6	4	4	NUM
fsr-3193	309	7	3	3	NUM
fsr-3193	309	8	2	2	NUM
fsr-3193	309	9	$	$	SYM
fsr-3193	309	10	2	2	NUM
fsr-3193	309	11	5	5	NUM
fsr-3193	309	12	,	,	PUNCT
fsr-3193	309	13	0	0	NUM
fsr-3193	309	14	0	0	NUM
fsr-3193	309	15	0	0	NUM
fsr-3193	309	16	–	–	PUNCT
fsr-3193	309	17	$	$	SYM
fsr-3193	309	18	3	3	NUM
fsr-3193	309	19	4	4	NUM
fsr-3193	309	20	,	,	PUNCT
fsr-3193	309	21	9	9	NUM
fsr-3193	309	22	9	9	NUM
fsr-3193	309	23	9	9	NUM
fsr-3193	309	24	0	0	NUM
fsr-3193	309	25	.8	.8	NUM
fsr-3193	309	26	3	3	NUM
fsr-3193	309	27	0	0	NUM
fsr-3193	309	28	3	3	NUM
fsr-3193	309	29	0	0	NUM
fsr-3193	309	30	.8	.8	NUM
fsr-3193	309	31	8	8	NUM
fsr-3193	309	32	9	9	NUM
fsr-3193	309	33	3	3	NUM
fsr-3193	309	34	1	1	NUM
fsr-3193	309	35	.9	.9	NUM
fsr-3193	309	36	8	8	NUM
fsr-3193	309	37	5	5	NUM
fsr-3193	309	38	8	8	NUM
fsr-3193	309	39	*	*	PUNCT
fsr-3193	310	1	*	*	PUNCT
fsr-3193	310	2	*	*	PUNCT
fsr-3193	310	3	1	1	NUM
fsr-3193	310	4	1	1	NUM
fsr-3193	310	5	.5	.5	NUM
fsr-3193	310	6	4	4	NUM
fsr-3193	310	7	8	8	NUM
fsr-3193	310	8	5	5	NUM
fsr-3193	310	9	1	1	NUM
fsr-3193	310	10	.1	.1	NUM
fsr-3193	310	11	7	7	NUM
fsr-3193	310	12	5	5	NUM
fsr-3193	310	13	0	0	NUM
fsr-3193	310	14	*	*	PUNCT
fsr-3193	311	1	*	*	PUNCT
fsr-3193	311	2	7	7	NUM
fsr-3193	311	3	.3	.3	NUM
fsr-3193	311	4	5	5	NUM
fsr-3193	311	5	1	1	NUM
fsr-3193	311	6	0	0	NUM
fsr-3193	311	7	2	2	NUM
fsr-3193	311	8	.4	.4	NUM
fsr-3193	311	9	9	9	NUM
fsr-3193	311	10	0	0	NUM
fsr-3193	311	11	0	0	NUM
fsr-3193	312	1	*	*	PUNCT
fsr-3193	313	1	*	*	PUNCT
fsr-3193	313	2	*	*	PUNCT
fsr-3193	313	3	1	1	NUM
fsr-3193	313	4	9	9	NUM
fsr-3193	313	5	0	0	NUM
fsr-3193	313	6	.7	.7	NUM
fsr-3193	313	7	5	5	NUM
fsr-3193	313	8	8	8	NUM
fsr-3193	313	9	5	5	NUM
fsr-3193	313	10	$	$	SYM
fsr-3193	313	11	3	3	NUM
fsr-3193	313	12	5	5	NUM
fsr-3193	313	13	,	,	PUNCT
fsr-3193	313	14	0	0	NUM
fsr-3193	313	15	0	0	NUM
fsr-3193	313	16	0	0	NUM
fsr-3193	313	17	–	–	PUNCT
fsr-3193	313	18	$	$	SYM
fsr-3193	313	19	4	4	NUM
fsr-3193	313	20	9	9	NUM
fsr-3193	313	21	,	,	PUNCT
fsr-3193	313	22	9	9	NUM
fsr-3193	313	23	9	9	NUM
fsr-3193	313	24	9	9	NUM
fsr-3193	313	25	1	1	NUM
fsr-3193	313	26	.2	.2	NUM
fsr-3193	313	27	1	1	NUM
fsr-3193	313	28	0	0	NUM
fsr-3193	313	29	9	9	NUM
fsr-3193	313	30	1	1	NUM
fsr-3193	313	31	.0	.0	NUM
fsr-3193	313	32	6	6	NUM
fsr-3193	313	33	5	5	NUM
fsr-3193	313	34	7	7	NUM
fsr-3193	313	35	3	3	NUM
fsr-3193	313	36	.5	.5	NUM
fsr-3193	313	37	3	3	NUM
fsr-3193	313	38	7	7	NUM
fsr-3193	313	39	4	4	NUM
fsr-3193	313	40	*	*	PUNCT
fsr-3193	314	1	*	*	PUNCT
fsr-3193	314	2	*	*	PUNCT
fsr-3193	314	3	4	4	NUM
fsr-3193	314	4	3	3	NUM
fsr-3193	314	5	.6	.6	NUM
fsr-3193	314	6	0	0	NUM
fsr-3193	314	7	7	7	NUM
fsr-3193	314	8	0	0	NUM
fsr-3193	314	9	1	1	NUM
fsr-3193	314	10	.5	.5	NUM
fsr-3193	314	11	2	2	NUM
fsr-3193	314	12	0	0	NUM
fsr-3193	314	13	7	7	NUM
fsr-3193	314	14	*	*	PUNCT
fsr-3193	315	1	*	*	PUNCT
fsr-3193	315	2	*	*	PUNCT
fsr-3193	315	3	5	5	NUM
fsr-3193	315	4	3	3	NUM
fsr-3193	315	5	.3	.3	NUM
fsr-3193	315	6	5	5	NUM
fsr-3193	315	7	1	1	NUM
fsr-3193	315	8	2	2	NUM
fsr-3193	315	9	3	3	NUM
fsr-3193	315	10	.9	.9	NUM
fsr-3193	315	11	8	8	NUM
fsr-3193	315	12	0	0	NUM
fsr-3193	315	13	5	5	NUM
fsr-3193	316	1	*	*	PUNCT
fsr-3193	317	1	*	*	PUNCT
fsr-3193	317	2	*	*	PUNCT
fsr-3193	317	3	4	4	NUM
fsr-3193	317	4	7	7	NUM
fsr-3193	317	5	1	1	NUM
fsr-3193	317	6	.5	.5	NUM
fsr-3193	317	7	5	5	NUM
fsr-3193	317	8	0	0	NUM
fsr-3193	317	9	6	6	NUM
fsr-3193	317	10	$	$	SYM
fsr-3193	317	11	5	5	NUM
fsr-3193	317	12	0	0	NUM
fsr-3193	317	13	,	,	PUNCT
fsr-3193	317	14	0	0	NUM
fsr-3193	317	15	0	0	NUM
fsr-3193	317	16	0	0	NUM
fsr-3193	317	17	–	–	PUNCT
fsr-3193	317	18	$	$	SYM
fsr-3193	317	19	7	7	NUM
fsr-3193	317	20	4	4	NUM
fsr-3193	317	21	,	,	PUNCT
fsr-3193	317	22	9	9	NUM
fsr-3193	317	23	9	9	NUM
fsr-3193	317	24	9	9	NUM
fsr-3193	317	25	2	2	NUM
fsr-3193	317	26	.0	.0	NUM
fsr-3193	317	27	2	2	NUM
fsr-3193	317	28	9	9	NUM
fsr-3193	317	29	1	1	NUM
fsr-3193	317	30	*	*	PUNCT
fsr-3193	318	1	*	*	PUNCT
fsr-3193	318	2	*	*	PUNCT
fsr-3193	318	3	1	1	NUM
fsr-3193	318	4	4	4	NUM
fsr-3193	318	5	.5	.5	NUM
fsr-3193	318	6	6	6	NUM
fsr-3193	318	7	6	6	NUM
fsr-3193	318	8	6	6	NUM
fsr-3193	318	9	4	4	NUM
fsr-3193	318	10	.9	.9	NUM
fsr-3193	318	11	0	0	NUM
fsr-3193	318	12	8	8	NUM
fsr-3193	318	13	2	2	NUM
fsr-3193	318	14	*	*	PUNCT
fsr-3193	319	1	*	*	PUNCT
fsr-3193	320	1	*	*	PUNCT
fsr-3193	320	2	6	6	NUM
fsr-3193	320	3	8	8	NUM
fsr-3193	320	4	.8	.8	NUM
fsr-3193	320	5	0	0	SYM
fsr-3193	320	6	0	0	NUM
fsr-3193	320	7	8	8	NUM
fsr-3193	320	8	1	1	NUM
fsr-3193	320	9	.9	.9	NUM
fsr-3193	320	10	3	3	NUM
fsr-3193	320	11	6	6	NUM
fsr-3193	320	12	1	1	NUM
fsr-3193	320	13	*	*	PUNCT
fsr-3193	321	1	*	*	PUNCT
fsr-3193	321	2	*	*	PUNCT
fsr-3193	321	3	1	1	NUM
fsr-3193	321	4	3	3	NUM
fsr-3193	321	5	2	2	NUM
fsr-3193	321	6	.9	.9	NUM
fsr-3193	321	7	2	2	NUM
fsr-3193	321	8	7	7	NUM
fsr-3193	321	9	6	6	NUM
fsr-3193	321	10	5	5	NUM
fsr-3193	321	11	.2	.2	NUM
fsr-3193	321	12	1	1	NUM
fsr-3193	321	13	4	4	NUM
fsr-3193	321	14	8	8	NUM
fsr-3193	321	15	*	*	PUNCT
fsr-3193	321	16	*	*	PUNCT
fsr-3193	322	1	*	*	PUNCT
fsr-3193	322	2	6	6	NUM
fsr-3193	322	3	7	7	NUM
fsr-3193	322	4	6	6	NUM
fsr-3193	322	5	.1	.1	NUM
fsr-3193	322	6	8	8	NUM
fsr-3193	322	7	5	5	NUM
fsr-3193	322	8	2	2	NUM
fsr-3193	322	9	$	$	SYM
fsr-3193	322	10	7	7	NUM
fsr-3193	322	11	5	5	NUM
fsr-3193	322	12	,	,	PUNCT
fsr-3193	322	13	0	0	NUM
fsr-3193	322	14	0	0	NUM
fsr-3193	322	15	0	0	NUM
fsr-3193	322	16	–	–	PUNCT
fsr-3193	322	17	$	$	SYM
fsr-3193	322	18	9	9	NUM
fsr-3193	322	19	9	9	NUM
fsr-3193	322	20	,	,	PUNCT
fsr-3193	322	21	9	9	NUM
fsr-3193	322	22	9	9	NUM
fsr-3193	322	23	9	9	NUM
fsr-3193	322	24	2	2	NUM
fsr-3193	322	25	.2	.2	NUM
fsr-3193	322	26	0	0	NUM
fsr-3193	322	27	3	3	NUM
fsr-3193	322	28	6	6	NUM
fsr-3193	322	29	*	*	PUNCT
fsr-3193	323	1	*	*	PUNCT
fsr-3193	323	2	*	*	PUNCT
fsr-3193	323	3	1	1	NUM
fsr-3193	323	4	7	7	NUM
fsr-3193	323	5	.8	.8	NUM
fsr-3193	323	6	3	3	NUM
fsr-3193	323	7	6	6	NUM
fsr-3193	323	8	3	3	NUM
fsr-3193	323	9	7	7	NUM
fsr-3193	323	10	.3	.3	NUM
fsr-3193	323	11	6	6	NUM
fsr-3193	323	12	7	7	NUM
fsr-3193	323	13	7	7	NUM
fsr-3193	323	14	*	*	PUNCT
fsr-3193	323	15	*	*	PUNCT
fsr-3193	323	16	*	*	PUNCT
fsr-3193	323	17	1	1	NUM
fsr-3193	323	18	0	0	NUM
fsr-3193	323	19	4	4	NUM
fsr-3193	323	20	.4	.4	NUM
fsr-3193	323	21	2	2	NUM
fsr-3193	323	22	4	4	NUM
fsr-3193	323	23	9	9	NUM
fsr-3193	323	24	2	2	NUM
fsr-3193	323	25	.6	.6	NUM
fsr-3193	323	26	9	9	NUM
fsr-3193	323	27	8	8	NUM
fsr-3193	323	28	5	5	NUM
fsr-3193	323	29	*	*	PUNCT
fsr-3193	323	30	*	*	PUNCT
fsr-3193	324	1	*	*	PUNCT
fsr-3193	324	2	2	2	NUM
fsr-3193	324	3	3	3	NUM
fsr-3193	324	4	8	8	NUM
fsr-3193	324	5	.3	.3	NUM
fsr-3193	324	6	2	2	NUM
fsr-3193	324	7	4	4	NUM
fsr-3193	324	8	7	7	NUM
fsr-3193	324	9	7	7	NUM
fsr-3193	324	10	.5	.5	NUM
fsr-3193	324	11	1	1	NUM
fsr-3193	324	12	1	1	NUM
fsr-3193	324	13	2	2	NUM
fsr-3193	324	14	*	*	PUNCT
fsr-3193	325	1	*	*	PUNCT
fsr-3193	325	2	*	*	PUNCT
fsr-3193	325	3	8	8	NUM
fsr-3193	325	4	2	2	NUM
fsr-3193	325	5	8	8	NUM
fsr-3193	325	6	.7	.7	NUM
fsr-3193	325	7	9	9	NUM
fsr-3193	325	8	2	2	NUM
fsr-3193	325	9	4	4	NUM
fsr-3193	325	10	$	$	SYM
fsr-3193	325	11	1	1	NUM
fsr-3193	325	12	0	0	NUM
fsr-3193	325	13	0	0	NUM
fsr-3193	325	14	,	,	PUNCT
fsr-3193	325	15	0	0	NUM
fsr-3193	325	16	0	0	NUM
fsr-3193	325	17	0	0	NUM
fsr-3193	325	18	–	–	PUNCT
fsr-3193	325	19	$	$	SYM
fsr-3193	325	20	1	1	NUM
fsr-3193	325	21	4	4	NUM
fsr-3193	325	22	9	9	NUM
fsr-3193	325	23	,	,	PUNCT
fsr-3193	325	24	9	9	NUM
fsr-3193	325	25	9	9	NUM
fsr-3193	325	26	9	9	NUM
fsr-3193	325	27	2	2	NUM
fsr-3193	325	28	.8	.8	NUM
fsr-3193	325	29	1	1	NUM
fsr-3193	325	30	0	0	NUM
fsr-3193	325	31	9	9	NUM
fsr-3193	325	32	*	*	PUNCT
fsr-3193	326	1	*	*	PUNCT
fsr-3193	326	2	*	*	PUNCT
fsr-3193	326	3	2	2	NUM
fsr-3193	326	4	8	8	NUM
fsr-3193	326	5	.5	.5	NUM
fsr-3193	326	6	3	3	NUM
fsr-3193	326	7	2	2	NUM
fsr-3193	326	8	5	5	NUM
fsr-3193	326	9	6	6	NUM
fsr-3193	326	10	.6	.6	NUM
fsr-3193	326	11	5	5	NUM
fsr-3193	326	12	6	6	NUM
fsr-3193	326	13	5	5	NUM
fsr-3193	326	14	*	*	PUNCT
fsr-3193	327	1	*	*	PUNCT
fsr-3193	327	2	*	*	PUNCT
fsr-3193	327	3	8	8	NUM
fsr-3193	327	4	9	9	NUM
fsr-3193	327	5	.0	.0	NUM
fsr-3193	327	6	6	6	NUM
fsr-3193	327	7	0	0	NUM
fsr-3193	327	8	1	1	NUM
fsr-3193	327	9	3	3	NUM
fsr-3193	327	10	.4	.4	NUM
fsr-3193	327	11	3	3	NUM
fsr-3193	327	12	0	0	NUM
fsr-3193	327	13	1	1	NUM
fsr-3193	327	14	*	*	PUNCT
fsr-3193	328	1	*	*	PUNCT
fsr-3193	328	2	*	*	PUNCT
fsr-3193	329	1	3	3	NUM
fsr-3193	329	2	3	3	NUM
fsr-3193	329	3	4	4	NUM
fsr-3193	329	4	.6	.6	NUM
fsr-3193	329	5	9	9	NUM
fsr-3193	329	6	2	2	NUM
fsr-3193	329	7	4	4	NUM
fsr-3193	329	8	8	8	NUM
fsr-3193	329	9	.5	.5	NUM
fsr-3193	329	10	6	6	NUM
fsr-3193	329	11	6	6	NUM
fsr-3193	329	12	8	8	NUM
fsr-3193	329	13	*	*	PUNCT
fsr-3193	330	1	*	*	PUNCT
fsr-3193	330	2	*	*	PUNCT
fsr-3193	330	3	8	8	NUM
fsr-3193	330	4	7	7	NUM
fsr-3193	330	5	3	3	NUM
fsr-3193	330	6	.3	.3	NUM
fsr-3193	330	7	9	9	NUM
fsr-3193	330	8	7	7	NUM
fsr-3193	330	9	1	1	NUM
fsr-3193	330	10	$	$	SYM
fsr-3193	330	11	1	1	NUM
fsr-3193	330	12	5	5	NUM
fsr-3193	330	13	0	0	NUM
fsr-3193	330	14	,	,	PUNCT
fsr-3193	330	15	0	0	NUM
fsr-3193	330	16	0	0	NUM
fsr-3193	330	17	0	0	NUM
fsr-3193	331	1	o	o	NOUN
fsr-3193	332	1	r	r	NOUN
fsr-3193	332	2	m	m	VERB
fsr-3193	332	3	o	o	NOUN
fsr-3193	332	4	re	re	ADP
fsr-3193	332	5	4	4	NUM
fsr-3193	332	6	.3	.3	NUM
fsr-3193	332	7	2	2	NUM
fsr-3193	332	8	8	8	NUM
fsr-3193	332	9	0	0	NUM
fsr-3193	332	10	*	*	PUNCT
fsr-3193	333	1	*	*	PUNCT
fsr-3193	333	2	*	*	PUNCT
fsr-3193	334	1	4	4	NUM
fsr-3193	334	2	0	0	NUM
fsr-3193	334	3	.9	.9	NUM
fsr-3193	334	4	4	4	NUM
fsr-3193	334	5	1	1	NUM
fsr-3193	334	6	7	7	NUM
fsr-3193	334	7	1	1	NUM
fsr-3193	334	8	0	0	NUM
fsr-3193	334	9	.2	.2	NUM
fsr-3193	334	10	7	7	NUM
fsr-3193	334	11	5	5	NUM
fsr-3193	334	12	9	9	NUM
fsr-3193	334	13	*	*	PUNCT
fsr-3193	334	14	*	*	PUNCT
fsr-3193	334	15	*	*	PUNCT
fsr-3193	334	16	9	9	NUM
fsr-3193	334	17	7	7	NUM
fsr-3193	334	18	.4	.4	NUM
fsr-3193	334	19	8	8	NUM
fsr-3193	334	20	1	1	NUM
fsr-3193	334	21	5	5	NUM
fsr-3193	334	22	5	5	NUM
fsr-3193	334	23	.0	.0	NUM
fsr-3193	334	24	7	7	NUM
fsr-3193	334	25	8	8	NUM
fsr-3193	334	26	4	4	NUM
fsr-3193	334	27	*	*	PUNCT
fsr-3193	334	28	*	*	PUNCT
fsr-3193	334	29	*	*	PUNCT
fsr-3193	335	1	4	4	NUM
fsr-3193	335	2	1	1	NUM
fsr-3193	335	3	7	7	NUM
fsr-3193	335	4	.7	.7	NUM
fsr-3193	335	5	8	8	NUM
fsr-3193	335	6	5	5	NUM
fsr-3193	335	7	1	1	NUM
fsr-3193	335	8	1	1	NUM
fsr-3193	335	9	2	2	NUM
fsr-3193	335	10	.9	.9	NUM
fsr-3193	335	11	0	0	NUM
fsr-3193	335	12	3	3	NUM
fsr-3193	335	13	5	5	NUM
fsr-3193	335	14	*	*	PUNCT
fsr-3193	336	1	*	*	PUNCT
fsr-3193	337	1	*	*	PUNCT
fsr-3193	337	2	9	9	NUM
fsr-3193	337	3	3	3	NUM
fsr-3193	337	4	3	3	NUM
fsr-3193	337	5	.3	.3	NUM
fsr-3193	337	6	8	8	NUM
fsr-3193	337	7	1	1	NUM
fsr-3193	337	8	6	6	NUM
fsr-3193	337	9	s	s	NOUN
fsr-3193	337	10	u	u	PROPN
fsr-3193	337	11	b	b	PROPN
fsr-3193	337	12	st	st	PROPN
fsr-3193	337	13	an	an	DET
fsr-3193	337	14	ti	ti	X
fsr-3193	337	15	al	al	PROPN
fsr-3193	337	16	in	in	ADP
fsr-3193	337	17	co	co	PROPN
fsr-3193	337	18	m	m	PROPN
fsr-3193	337	19	e	e	NOUN
fsr-3193	337	20	d	d	X
fsr-3193	337	21	ro	ro	X
fsr-3193	337	22	p	p	X
fsr-3193	337	23	(	(	PUNCT
fsr-3193	337	24	r	r	NOUN
fsr-3193	337	25	ef	ef	PROPN
fsr-3193	337	26	er	er	INTJ
fsr-3193	337	27	en	en	PROPN
fsr-3193	337	28	ce	ce	PROPN
fsr-3193	337	29	:	:	PUNCT
fsr-3193	337	30	n	n	PROPN
fsr-3193	337	31	o	o	NOUN
fsr-3193	337	32	)	)	PUNCT
fsr-3193	337	33	0	0	NUM
fsr-3193	338	1	.3	.3	NUM
fsr-3193	338	2	7	7	NUM
fsr-3193	338	3	2	2	NUM
fsr-3193	338	4	0	0	NUM
fsr-3193	338	5	*	*	PUNCT
fsr-3193	339	1	*	*	PUNCT
fsr-3193	339	2	*	*	PUNCT
fsr-3193	339	3	1	1	NUM
fsr-3193	339	4	0	0	NUM
fsr-3193	339	5	7	7	NUM
fsr-3193	339	6	.3	.3	NUM
fsr-3193	339	7	2	2	NUM
fsr-3193	339	8	6	6	NUM
fsr-3193	339	9	8	8	NUM
fsr-3193	339	10	1	1	NUM
fsr-3193	339	11	.9	.9	NUM
fsr-3193	339	12	2	2	NUM
fsr-3193	339	13	3	3	NUM
fsr-3193	339	14	4	4	NUM
fsr-3193	339	15	*	*	PUNCT
fsr-3193	340	1	*	*	PUNCT
fsr-3193	340	2	*	*	PUNCT
fsr-3193	340	3	4	4	NUM
fsr-3193	340	4	5	5	NUM
fsr-3193	340	5	.1	.1	NUM
fsr-3193	340	6	4	4	NUM
fsr-3193	340	7	9	9	NUM
fsr-3193	340	8	9	9	NUM
fsr-3193	340	9	0	0	NUM
fsr-3193	340	10	.5	.5	NUM
fsr-3193	340	11	1	1	NUM
fsr-3193	340	12	3	3	NUM
fsr-3193	340	13	3	3	NUM
fsr-3193	340	14	*	*	PUNCT
fsr-3193	341	1	*	*	PUNCT
fsr-3193	341	2	*	*	PUNCT
fsr-3193	341	3	3	3	NUM
fsr-3193	341	4	4	4	NUM
fsr-3193	341	5	0	0	NUM
fsr-3193	341	6	.4	.4	NUM
fsr-3193	341	7	2	2	NUM
fsr-3193	341	8	6	6	NUM
fsr-3193	341	9	8	8	NUM
fsr-3193	341	10	1	1	NUM
fsr-3193	341	11	.1	.1	NUM
fsr-3193	341	12	5	5	NUM
fsr-3193	341	13	5	5	NUM
fsr-3193	341	14	0	0	NUM
fsr-3193	341	15	*	*	PUNCT
fsr-3193	342	1	*	*	PUNCT
fsr-3193	342	2	*	*	PUNCT
fsr-3193	342	3	1	1	NUM
fsr-3193	342	4	4	4	NUM
fsr-3193	342	5	.8	.8	NUM
fsr-3193	342	6	0	0	NUM
fsr-3193	342	7	7	7	NUM
fsr-3193	342	8	1	1	NUM
fsr-3193	342	9	b	b	PROPN
fsr-3193	342	10	an	an	DET
fsr-3193	342	11	k	k	PROPN
fsr-3193	342	12	ed	ed	NOUN
fsr-3193	342	13	(	(	PUNCT
fsr-3193	342	14	r	r	NOUN
fsr-3193	342	15	ef	ef	PROPN
fsr-3193	342	16	er	er	INTJ
fsr-3193	342	17	en	en	PROPN
fsr-3193	342	18	ce	ce	PROPN
fsr-3193	342	19	:	:	PUNCT
fsr-3193	342	20	n	n	PROPN
fsr-3193	342	21	o	o	NOUN
fsr-3193	342	22	)	)	PUNCT
fsr-3193	342	23	3	3	NUM
fsr-3193	342	24	.9	.9	NUM
fsr-3193	342	25	7	7	NUM
fsr-3193	342	26	2	2	NUM
fsr-3193	342	27	9	9	NUM
fsr-3193	342	28	*	*	PUNCT
fsr-3193	343	1	*	*	PUNCT
fsr-3193	344	1	*	*	PUNCT
fsr-3193	344	2	6	6	NUM
fsr-3193	344	3	5	5	NUM
fsr-3193	344	4	.9	.9	NUM
fsr-3193	344	5	3	3	NUM
fsr-3193	344	6	7	7	NUM
fsr-3193	344	7	4	4	NUM
fsr-3193	344	8	2	2	NUM
fsr-3193	344	9	.0	.0	NUM
fsr-3193	344	10	8	8	NUM
fsr-3193	344	11	2	2	NUM
fsr-3193	344	12	1	1	NUM
fsr-3193	344	13	*	*	PUNCT
fsr-3193	345	1	*	*	PUNCT
fsr-3193	345	2	*	*	PUNCT
fsr-3193	345	3	1	1	NUM
fsr-3193	345	4	9	9	NUM
fsr-3193	345	5	.1	.1	NUM
fsr-3193	345	6	7	7	NUM
fsr-3193	345	7	6	6	NUM
fsr-3193	345	8	7	7	NUM
fsr-3193	345	9	5	5	NUM
fsr-3193	345	10	.1	.1	NUM
fsr-3193	345	11	2	2	NUM
fsr-3193	345	12	1	1	NUM
fsr-3193	345	13	8	8	NUM
fsr-3193	345	14	*	*	PUNCT
fsr-3193	345	15	*	*	PUNCT
fsr-3193	346	1	*	*	PUNCT
fsr-3193	346	2	7	7	NUM
fsr-3193	346	3	1	1	NUM
fsr-3193	346	4	1	1	NUM
fsr-3193	346	5	.3	.3	NUM
fsr-3193	346	6	3	3	NUM
fsr-3193	346	7	1	1	NUM
fsr-3193	346	8	7	7	NUM
fsr-3193	346	9	2	2	NUM
fsr-3193	346	10	.2	.2	NUM
fsr-3193	346	11	8	8	NUM
fsr-3193	346	12	6	6	NUM
fsr-3193	346	13	7	7	NUM
fsr-3193	346	14	*	*	PUNCT
fsr-3193	347	1	*	*	PUNCT
fsr-3193	347	2	*	*	PUNCT
fsr-3193	347	3	1	1	NUM
fsr-3193	347	4	4	4	NUM
fsr-3193	347	5	5	5	NUM
fsr-3193	347	6	.6	.6	NUM
fsr-3193	347	7	3	3	NUM
fsr-3193	347	8	4	4	NUM
fsr-3193	347	9	2	2	NUM
fsr-3193	347	10	h	h	NOUN
fsr-3193	348	1	o	o	NOUN
fsr-3193	348	2	m	m	VERB
fsr-3193	348	3	eo	eo	INTJ
fsr-3193	348	4	w	w	PROPN
fsr-3193	348	5	n	n	ADV
fsr-3193	348	6	er	er	INTJ
fsr-3193	348	7	sh	sh	INTJ
fsr-3193	348	8	ip	ip	NOUN
fsr-3193	348	9	(	(	PUNCT
fsr-3193	348	10	r	r	NOUN
fsr-3193	348	11	ef	ef	X
fsr-3193	348	12	er	er	INTJ
fsr-3193	348	13	en	en	PROPN
fsr-3193	348	14	ce	ce	PROPN
fsr-3193	348	15	:	:	PUNCT
fsr-3193	348	16	n	n	PROPN
fsr-3193	348	17	o	o	NOUN
fsr-3193	348	18	)	)	PUNCT
fsr-3193	348	19	1	1	NUM
fsr-3193	348	20	.8	.8	NUM
fsr-3193	348	21	7	7	NUM
fsr-3193	348	22	3	3	NUM
fsr-3193	348	23	5	5	NUM
fsr-3193	348	24	*	*	PUNCT
fsr-3193	349	1	*	*	PUNCT
fsr-3193	349	2	*	*	PUNCT
fsr-3193	349	3	4	4	NUM
fsr-3193	349	4	8	8	NUM
fsr-3193	349	5	.8	.8	NUM
fsr-3193	349	6	8	8	NUM
fsr-3193	349	7	5	5	NUM
fsr-3193	349	8	8	8	NUM
fsr-3193	349	9	3	3	NUM
fsr-3193	349	10	.8	.8	NUM
fsr-3193	349	11	8	8	NUM
fsr-3193	349	12	1	1	NUM
fsr-3193	349	13	8	8	NUM
fsr-3193	349	14	*	*	PUNCT
fsr-3193	350	1	*	*	PUNCT
fsr-3193	350	2	*	*	PUNCT
fsr-3193	350	3	2	2	NUM
fsr-3193	350	4	1	1	NUM
fsr-3193	350	5	6	6	NUM
fsr-3193	350	6	.0	.0	NUM
fsr-3193	350	7	2	2	NUM
fsr-3193	350	8	1	1	NUM
fsr-3193	350	9	9	9	NUM
fsr-3193	350	10	1	1	NUM
fsr-3193	350	11	.5	.5	NUM
fsr-3193	350	12	4	4	NUM
fsr-3193	350	13	3	3	NUM
fsr-3193	350	14	3	3	NUM
fsr-3193	350	15	*	*	PUNCT
fsr-3193	350	16	*	*	PUNCT
fsr-3193	350	17	*	*	PUNCT
fsr-3193	350	18	1	1	NUM
fsr-3193	350	19	6	6	NUM
fsr-3193	350	20	9	9	NUM
fsr-3193	350	21	.1	.1	NUM
fsr-3193	350	22	2	2	NUM
fsr-3193	350	23	4	4	NUM
fsr-3193	350	24	6	6	NUM
fsr-3193	350	25	2	2	NUM
fsr-3193	350	26	.1	.1	NUM
fsr-3193	350	27	3	3	NUM
fsr-3193	350	28	1	1	NUM
fsr-3193	350	29	2	2	NUM
fsr-3193	350	30	*	*	PUNCT
fsr-3193	351	1	*	*	PUNCT
fsr-3193	351	2	*	*	PUNCT
fsr-3193	351	3	4	4	NUM
fsr-3193	351	4	8	8	NUM
fsr-3193	351	5	2	2	NUM
fsr-3193	351	6	.7	.7	NUM
fsr-3193	351	7	6	6	NUM
fsr-3193	351	8	6	6	NUM
fsr-3193	351	9	4	4	NUM
fsr-3193	351	10	r	r	NOUN
fsr-3193	351	11	eg	eg	NOUN
fsr-3193	351	12	io	io	PROPN
fsr-3193	351	13	n	n	PROPN
fsr-3193	351	14	al	al	PROPN
fsr-3193	351	15	fi	fi	PROPN
fsr-3193	351	16	x	x	INTJ
fsr-3193	351	17	ed	ed	NOUN
fsr-3193	351	18	ef	ef	PROPN
fsr-3193	351	19	fe	fe	X
fsr-3193	352	1	ct	ct	X
fsr-3193	352	2	(	(	PUNCT
fsr-3193	352	3	s	s	X
fsr-3193	352	4	ta	ta	X
fsr-3193	352	5	te	te	ADP
fsr-3193	352	6	o	o	X
fsr-3193	352	7	f	f	X
fsr-3193	352	8	re	re	X
fsr-3193	352	9	si	si	PROPN
fsr-3193	352	10	d	d	PROPN
fsr-3193	352	11	en	en	PROPN
fsr-3193	352	12	ce	ce	PROPN
fsr-3193	352	13	)	)	PUNCT
fsr-3193	352	14	in	in	ADP
fsr-3193	352	15	cl	cl	NOUN
fsr-3193	352	16	u	u	NOUN
fsr-3193	352	17	d	d	NOUN
fsr-3193	352	18	ed	ed	NOUN
fsr-3193	352	19	in	in	ADP
fsr-3193	352	20	cl	cl	NOUN
fsr-3193	352	21	u	u	NOUN
fsr-3193	352	22	d	d	NOUN
fsr-3193	352	23	ed	ed	NOUN
fsr-3193	352	24	in	in	ADP
fsr-3193	352	25	cl	cl	NOUN
fsr-3193	352	26	u	u	NOUN
fsr-3193	352	27	d	d	NOUN
fsr-3193	352	28	ed	ed	NOUN
fsr-3193	352	29	in	in	ADP
fsr-3193	352	30	cl	cl	NOUN
fsr-3193	352	31	u	u	NOUN
fsr-3193	352	32	d	d	NOUN
fsr-3193	353	1	ed	ed	NOUN
fsr-3193	354	1	m	m	NOUN
fsr-3193	354	2	o	o	PROPN
fsr-3193	354	3	d	d	X
fsr-3193	354	4	el	el	PROPN
fsr-3193	354	5	fi	fi	PROPN
fsr-3193	354	6	t	t	PROPN
fsr-3193	354	7	m	m	PROPN
fsr-3193	354	8	ea	ea	PROPN
fsr-3193	354	9	n	n	PROPN
fsr-3193	354	10	co	co	X
fsr-3193	354	11	n	n	PROPN
fsr-3193	354	12	co	co	PROPN
fsr-3193	354	13	rd	rd	PROPN
fsr-3193	354	14	an	an	DET
fsr-3193	354	15	t	t	PROPN
fsr-3193	354	16	7	7	NUM
fsr-3193	354	17	5	5	NUM
fsr-3193	354	18	.0	.0	NUM
fsr-3193	354	19	%	%	NOUN
fsr-3193	354	20	7	7	NUM
fsr-3193	354	21	9	9	NUM
fsr-3193	354	22	.0	.0	NUM
fsr-3193	354	23	%	%	NOUN
fsr-3193	354	24	7	7	NUM
fsr-3193	354	25	4	4	NUM
fsr-3193	354	26	.3	.3	NUM
fsr-3193	354	27	%	%	NOUN
fsr-3193	354	28	8	8	NUM
fsr-3193	354	29	1	1	NUM
fsr-3193	354	30	.0	.0	NUM
fsr-3193	354	31	%	%	NOUN
fsr-3193	355	1	n	n	CCONJ
fsr-3193	355	2	o	o	NOUN
fsr-3193	355	3	te	te	INTJ
fsr-3193	355	4	.	.	PUNCT
fsr-3193	356	1	w	w	X
fsr-3193	356	2	ei	ei	NOUN
fsr-3193	356	3	g	g	PROPN
fsr-3193	356	4	h	h	NOUN
fsr-3193	356	5	te	te	PROPN
fsr-3193	356	6	d	d	X
fsr-3193	356	7	re	re	X
fsr-3193	356	8	su	su	PROPN
fsr-3193	356	9	lt	lt	PROPN
fsr-3193	356	10	s.	s.	PROPN
fsr-3193	356	11	*	*	PUNCT
fsr-3193	357	1	p	p	X
fsr-3193	357	2	<	<	X
fsr-3193	357	3	.0	.0	NUM
fsr-3193	357	4	5	5	NUM
fsr-3193	357	5	,	,	PUNCT
fsr-3193	357	6	*	*	PUNCT
fsr-3193	357	7	*	*	PUNCT
fsr-3193	358	1	p	p	X
fsr-3193	358	2	<	<	X
fsr-3193	358	3	.0	.0	NUM
fsr-3193	358	4	1	1	NUM
fsr-3193	358	5	,	,	PUNCT
fsr-3193	358	6	*	*	PUNCT
fsr-3193	359	1	*	*	PUNCT
fsr-3193	359	2	*	*	PUNCT
fsr-3193	359	3	p	p	X
fsr-3193	359	4	<	<	X
fsr-3193	359	5	.0	.0	NUM
fsr-3193	359	6	0	0	NUM
fsr-3193	359	7	1	1	NUM
fsr-3193	359	8	.	.	PUNCT
fsr-3193	360	1	m.	m.	PROPN
fsr-3193	360	2	j.	j.	PROPN
fsr-3193	360	3	wilmarth	wilmarth	PROPN
fsr-3193	360	4	et	et	PROPN
fsr-3193	360	5	al	al	PROPN
fsr-3193	360	6	.	.	PUNCT
fsr-3193	360	7	/	/	SYM
fsr-3193	360	8	financial	financial	ADJ
fsr-3193	360	9	services	service	NOUN
fsr-3193	360	10	review	review	VERB
fsr-3193	360	11	31	31	NUM
fsr-3193	360	12	(	(	PUNCT
fsr-3193	360	13	2023	2023	NUM
fsr-3193	360	14	)	)	PUNCT
fsr-3193	360	15	35–54	35–54	NUM
fsr-3193	360	16	49	49	NUM
fsr-3193	360	17	understand	understand	VERB
fsr-3193	360	18	the	the	DET
fsr-3193	360	19	type	type	NOUN
fsr-3193	360	20	and	and	CCONJ
fsr-3193	360	21	content	content	NOUN
fsr-3193	360	22	of	of	ADP
fsr-3193	360	23	the	the	DET
fsr-3193	360	24	financial	financial	ADJ
fsr-3193	360	25	education	education	NOUN
fsr-3193	360	26	program	program	NOUN
fsr-3193	360	27	.	.	PUNCT
fsr-3193	361	1	we	we	PRON
fsr-3193	361	2	do	do	AUX
fsr-3193	361	3	not	not	PART
fsr-3193	361	4	have	have	VERB
fsr-3193	361	5	data	datum	NOUN
fsr-3193	361	6	explicitly	explicitly	ADV
fsr-3193	361	7	identifying	identify	VERB
fsr-3193	361	8	what	what	PRON
fsr-3193	361	9	was	be	AUX
fsr-3193	361	10	included	include	VERB
fsr-3193	361	11	within	within	ADP
fsr-3193	361	12	financial	financial	ADJ
fsr-3193	361	13	education	education	NOUN
fsr-3193	361	14	and	and	CCONJ
fsr-3193	361	15	also	also	ADV
fsr-3193	361	16	the	the	DET
fsr-3193	361	17	financial	financial	ADJ
fsr-3193	361	18	arrangements	arrangement	NOUN
fsr-3193	361	19	within	within	ADP
fsr-3193	361	20	households	household	NOUN
fsr-3193	361	21	(	(	PUNCT
fsr-3193	361	22	e.g.	e.g.	ADV
fsr-3193	361	23	,	,	PUNCT
fsr-3193	361	24	how	how	SCONJ
fsr-3193	361	25	are	be	AUX
fsr-3193	361	26	financial	financial	ADJ
fsr-3193	361	27	decisions	decision	NOUN
fsr-3193	361	28	made	make	VERB
fsr-3193	361	29	,	,	PUNCT
fsr-3193	361	30	who	who	PRON
fsr-3193	361	31	makes	make	VERB
fsr-3193	361	32	the	the	DET
fsr-3193	361	33	decisions	decision	NOUN
fsr-3193	361	34	)	)	PUNCT
fsr-3193	361	35	.	.	PUNCT
fsr-3193	362	1	additionally	additionally	ADV
fsr-3193	362	2	,	,	PUNCT
fsr-3193	362	3	the	the	DET
fsr-3193	362	4	nfcs	nfcs	NOUN
fsr-3193	362	5	dataset	dataset	NOUN
fsr-3193	362	6	does	do	AUX
fsr-3193	362	7	not	not	PART
fsr-3193	362	8	include	include	VERB
fsr-3193	362	9	much	much	ADJ
fsr-3193	362	10	information	information	NOUN
fsr-3193	362	11	on	on	ADP
fsr-3193	362	12	household	household	NOUN
fsr-3193	362	13	wealth	wealth	NOUN
fsr-3193	362	14	,	,	PUNCT
fsr-3193	362	15	the	the	DET
fsr-3193	362	16	only	only	ADJ
fsr-3193	362	17	available	available	ADJ
fsr-3193	362	18	proxy	proxy	NOUN
fsr-3193	362	19	for	for	ADP
fsr-3193	362	20	wealth	wealth	NOUN
fsr-3193	362	21	is	be	AUX
fsr-3193	362	22	homeownership	homeownership	NOUN
fsr-3193	362	23	status	status	NOUN
fsr-3193	362	24	.	.	PUNCT
fsr-3193	363	1	wealth	wealth	NOUN
fsr-3193	363	2	serves	serve	VERB
fsr-3193	363	3	as	as	ADP
fsr-3193	363	4	an	an	DET
fsr-3193	363	5	important	important	ADJ
fsr-3193	363	6	determinant	determinant	NOUN
fsr-3193	363	7	of	of	ADP
fsr-3193	363	8	financial	financial	ADJ
fsr-3193	363	9	behaviors	behavior	NOUN
fsr-3193	363	10	and	and	CCONJ
fsr-3193	363	11	future	future	ADJ
fsr-3193	363	12	work	work	NOUN
fsr-3193	363	13	would	would	AUX
fsr-3193	363	14	benefit	benefit	VERB
fsr-3193	363	15	from	from	ADP
fsr-3193	363	16	including	include	VERB
fsr-3193	363	17	wealth	wealth	NOUN
fsr-3193	363	18	variables	variable	NOUN
fsr-3193	363	19	.	.	PUNCT
fsr-3193	364	1	future	future	ADJ
fsr-3193	364	2	research	research	NOUN
fsr-3193	364	3	would	would	AUX
fsr-3193	364	4	benefit	benefit	VERB
fsr-3193	364	5	from	from	ADP
fsr-3193	364	6	use	use	NOUN
fsr-3193	364	7	of	of	ADP
fsr-3193	364	8	data	datum	NOUN
fsr-3193	364	9	that	that	PRON
fsr-3193	364	10	specifically	specifically	ADV
fsr-3193	364	11	focuses	focus	VERB
fsr-3193	364	12	on	on	ADP
fsr-3193	364	13	military	military	ADJ
fsr-3193	364	14	households	household	NOUN
fsr-3193	364	15	,	,	PUNCT
fsr-3193	364	16	even	even	ADV
fsr-3193	364	17	further	far	ADV
fsr-3193	364	18	those	those	PRON
fsr-3193	364	19	in	in	ADP
fsr-3193	364	20	active	active	ADJ
fsr-3193	364	21	duty	duty	NOUN
fsr-3193	364	22	,	,	PUNCT
fsr-3193	364	23	to	to	PART
fsr-3193	364	24	be	be	AUX
fsr-3193	364	25	able	able	ADJ
fsr-3193	364	26	to	to	PART
fsr-3193	364	27	identify	identify	VERB
fsr-3193	364	28	specific	specific	ADJ
fsr-3193	364	29	areas	area	NOUN
fsr-3193	364	30	of	of	ADP
fsr-3193	364	31	concern	concern	NOUN
fsr-3193	364	32	and	and	CCONJ
fsr-3193	364	33	possible	possible	ADJ
fsr-3193	364	34	interventions	intervention	NOUN
fsr-3193	364	35	appropriate	appropriate	ADJ
fsr-3193	364	36	for	for	ADP
fsr-3193	364	37	active	active	ADJ
fsr-3193	364	38	duty	duty	NOUN
fsr-3193	364	39	personnel	personnel	NOUN
fsr-3193	364	40	.	.	PUNCT
fsr-3193	365	1	even	even	ADV
fsr-3193	365	2	more	more	ADV
fsr-3193	365	3	important	important	ADJ
fsr-3193	365	4	would	would	AUX
fsr-3193	365	5	be	be	AUX
fsr-3193	365	6	the	the	DET
fsr-3193	365	7	ability	ability	NOUN
fsr-3193	365	8	to	to	PART
fsr-3193	365	9	identify	identify	VERB
fsr-3193	365	10	the	the	DET
fsr-3193	365	11	variations	variation	NOUN
fsr-3193	365	12	and	and	CCONJ
fsr-3193	365	13	implications	implication	NOUN
fsr-3193	365	14	of	of	ADP
fsr-3193	365	15	branch	branch	NOUN
fsr-3193	365	16	of	of	ADP
fsr-3193	365	17	service	service	NOUN
fsr-3193	365	18	has	have	AUX
fsr-3193	365	19	in	in	ADP
fsr-3193	365	20	this	this	DET
fsr-3193	365	21	area	area	NOUN
fsr-3193	365	22	of	of	ADP
fsr-3193	365	23	research	research	NOUN
fsr-3193	365	24	.	.	PUNCT
fsr-3193	366	1	for	for	ADP
fsr-3193	366	2	example	example	NOUN
fsr-3193	366	3	,	,	PUNCT
fsr-3193	366	4	there	there	PRON
fsr-3193	366	5	are	be	VERB
fsr-3193	366	6	varying	vary	VERB
fsr-3193	366	7	levels	level	NOUN
fsr-3193	366	8	and	and	CCONJ
fsr-3193	366	9	implementation	implementation	NOUN
fsr-3193	366	10	of	of	ADP
fsr-3193	366	11	financial	financial	ADJ
fsr-3193	366	12	education	education	NOUN
fsr-3193	366	13	across	across	ADP
fsr-3193	366	14	the	the	DET
fsr-3193	366	15	branches	branch	NOUN
fsr-3193	366	16	of	of	ADP
fsr-3193	366	17	services	service	NOUN
fsr-3193	366	18	,	,	PUNCT
fsr-3193	366	19	so	so	ADV
fsr-3193	366	20	being	be	AUX
fsr-3193	366	21	able	able	ADJ
fsr-3193	366	22	to	to	PART
fsr-3193	366	23	compare	compare	VERB
fsr-3193	366	24	between	between	ADP
fsr-3193	366	25	the	the	DET
fsr-3193	366	26	branches	branch	NOUN
fsr-3193	366	27	would	would	AUX
fsr-3193	366	28	also	also	ADV
fsr-3193	366	29	improve	improve	VERB
fsr-3193	366	30	this	this	DET
fsr-3193	366	31	research	research	NOUN
fsr-3193	366	32	,	,	PUNCT
fsr-3193	366	33	which	which	PRON
fsr-3193	366	34	is	be	AUX
fsr-3193	366	35	currently	currently	ADV
fsr-3193	366	36	limited	limit	VERB
fsr-3193	366	37	by	by	ADP
fsr-3193	366	38	sample	sample	NOUN
fsr-3193	366	39	size	size	NOUN
fsr-3193	366	40	and	and	CCONJ
fsr-3193	366	41	limited	limited	ADJ
fsr-3193	366	42	information	information	NOUN
fsr-3193	366	43	on	on	ADP
fsr-3193	366	44	specific	specific	ADJ
fsr-3193	366	45	financial	financial	ADJ
fsr-3193	366	46	education	education	NOUN
fsr-3193	366	47	information	information	NOUN
fsr-3193	366	48	.	.	PUNCT
fsr-3193	367	1	5.2	5.2	NUM
fsr-3193	367	2	.	.	PUNCT
fsr-3193	368	1	future	future	ADJ
fsr-3193	368	2	research	research	NOUN
fsr-3193	368	3	and	and	CCONJ
fsr-3193	368	4	conclusion	conclusion	NOUN
fsr-3193	368	5	for	for	ADP
fsr-3193	368	6	future	future	ADJ
fsr-3193	368	7	research	research	NOUN
fsr-3193	368	8	,	,	PUNCT
fsr-3193	368	9	we	we	PRON
fsr-3193	368	10	would	would	AUX
fsr-3193	368	11	like	like	VERB
fsr-3193	368	12	to	to	PART
fsr-3193	368	13	further	far	ADV
fsr-3193	368	14	explore	explore	VERB
fsr-3193	368	15	the	the	DET
fsr-3193	368	16	financial	financial	ADJ
fsr-3193	368	17	status	status	NOUN
fsr-3193	368	18	of	of	ADP
fsr-3193	368	19	military	military	ADJ
fsr-3193	368	20	households	household	NOUN
fsr-3193	368	21	and	and	CCONJ
fsr-3193	368	22	contributing	contribute	VERB
fsr-3193	368	23	factors	factor	NOUN
fsr-3193	368	24	to	to	ADP
fsr-3193	368	25	their	their	PRON
fsr-3193	368	26	financial	financial	ADJ
fsr-3193	368	27	well	well	NOUN
fsr-3193	368	28	-	-	PUNCT
fsr-3193	368	29	being	being	NOUN
fsr-3193	368	30	.	.	PUNCT
fsr-3193	369	1	how	how	SCONJ
fsr-3193	369	2	these	these	DET
fsr-3193	369	3	households	household	NOUN
fsr-3193	369	4	are	be	AUX
fsr-3193	369	5	different	different	ADJ
fsr-3193	369	6	from	from	ADP
fsr-3193	369	7	other	other	ADJ
fsr-3193	369	8	occupational	occupational	ADJ
fsr-3193	369	9	groups	group	NOUN
fsr-3193	369	10	and	and	CCONJ
fsr-3193	369	11	how	how	SCONJ
fsr-3193	369	12	educators	educator	NOUN
fsr-3193	369	13	can	can	AUX
fsr-3193	369	14	reach	reach	VERB
fsr-3193	369	15	out	out	ADP
fsr-3193	369	16	to	to	PART
fsr-3193	369	17	and	and	CCONJ
fsr-3193	369	18	understand	understand	VERB
fsr-3193	369	19	the	the	DET
fsr-3193	369	20	needs	need	NOUN
fsr-3193	369	21	of	of	ADP
fsr-3193	369	22	military	military	ADJ
fsr-3193	369	23	households	household	NOUN
fsr-3193	369	24	.	.	PUNCT
fsr-3193	370	1	further	far	ADV
fsr-3193	370	2	,	,	PUNCT
fsr-3193	370	3	as	as	SCONJ
fsr-3193	370	4	indicated	indicate	VERB
fsr-3193	370	5	by	by	ADP
fsr-3193	370	6	previous	previous	ADJ
fsr-3193	370	7	literature	literature	NOUN
fsr-3193	370	8	(	(	PUNCT
fsr-3193	370	9	bell	bell	PROPN
fsr-3193	370	10	et	et	PROPN
fsr-3193	370	11	al	al	PROPN
fsr-3193	370	12	.	.	PROPN
fsr-3193	370	13	,	,	PUNCT
fsr-3193	370	14	2014	2014	NUM
fsr-3193	370	15	;	;	PUNCT
fsr-3193	370	16	carlson	carlson	PROPN
fsr-3193	370	17	et	et	PROPN
fsr-3193	370	18	al	al	PROPN
fsr-3193	370	19	.	.	PROPN
fsr-3193	370	20	,	,	PUNCT
fsr-3193	370	21	2015	2015	NUM
fsr-3193	370	22	)	)	PUNCT
fsr-3193	370	23	,	,	PUNCT
fsr-3193	370	24	the	the	DET
fsr-3193	370	25	connection	connection	NOUN
fsr-3193	370	26	between	between	ADP
fsr-3193	370	27	financial	financial	ADJ
fsr-3193	370	28	stress	stress	NOUN
fsr-3193	370	29	and	and	CCONJ
fsr-3193	370	30	financial	financial	ADJ
fsr-3193	370	31	well	well	ADV
fsr-3193	370	32	-	-	PUNCT
fsr-3193	370	33	being	being	NOUN
fsr-3193	370	34	continues	continue	VERB
fsr-3193	370	35	to	to	PART
fsr-3193	370	36	grow	grow	VERB
fsr-3193	370	37	and	and	CCONJ
fsr-3193	370	38	the	the	DET
fsr-3193	370	39	unique	unique	ADJ
fsr-3193	370	40	experiences	experience	NOUN
fsr-3193	370	41	of	of	ADP
fsr-3193	370	42	military	military	ADJ
fsr-3193	370	43	life	life	NOUN
fsr-3193	370	44	(	(	PUNCT
fsr-3193	370	45	e.g.	e.g.	ADV
fsr-3193	370	46	,	,	PUNCT
fsr-3193	370	47	deployments	deployment	NOUN
fsr-3193	370	48	,	,	PUNCT
fsr-3193	370	49	frequent	frequent	ADJ
fsr-3193	370	50	moves	move	NOUN
fsr-3193	370	51	)	)	PUNCT
fsr-3193	370	52	that	that	PRON
fsr-3193	370	53	link	link	VERB
fsr-3193	370	54	to	to	ADP
fsr-3193	370	55	financial	financial	ADJ
fsr-3193	370	56	outcomes	outcome	NOUN
fsr-3193	370	57	should	should	AUX
fsr-3193	370	58	be	be	AUX
fsr-3193	370	59	further	far	ADV
fsr-3193	370	60	examined	examine	VERB
fsr-3193	370	61	.	.	PUNCT
fsr-3193	371	1	empirical	empirical	ADJ
fsr-3193	371	2	results	result	NOUN
fsr-3193	371	3	from	from	ADP
fsr-3193	371	4	the	the	DET
fsr-3193	371	5	2018	2018	NUM
fsr-3193	371	6	nfcs	nfc	NOUN
fsr-3193	371	7	provide	provide	VERB
fsr-3193	371	8	an	an	DET
fsr-3193	371	9	important	important	ADJ
fsr-3193	371	10	insight	insight	NOUN
fsr-3193	371	11	into	into	ADP
fsr-3193	371	12	policymakers	policymaker	NOUN
fsr-3193	371	13	as	as	ADV
fsr-3193	371	14	well	well	ADV
fsr-3193	371	15	as	as	ADP
fsr-3193	371	16	financial	financial	ADJ
fsr-3193	371	17	practitioners	practitioner	NOUN
fsr-3193	371	18	and	and	CCONJ
fsr-3193	371	19	educators	educator	NOUN
fsr-3193	371	20	as	as	SCONJ
fsr-3193	371	21	they	they	PRON
fsr-3193	371	22	seek	seek	VERB
fsr-3193	371	23	to	to	PART
fsr-3193	371	24	gain	gain	VERB
fsr-3193	371	25	a	a	DET
fsr-3193	371	26	greater	great	ADJ
fsr-3193	371	27	understanding	understanding	NOUN
fsr-3193	371	28	of	of	ADP
fsr-3193	371	29	how	how	SCONJ
fsr-3193	371	30	to	to	PART
fsr-3193	371	31	reach	reach	VERB
fsr-3193	371	32	military	military	ADJ
fsr-3193	371	33	families	family	NOUN
fsr-3193	371	34	through	through	ADP
fsr-3193	371	35	education	education	NOUN
fsr-3193	371	36	that	that	SCONJ
fsr-3193	371	37	not	not	PART
fsr-3193	371	38	only	only	ADV
fsr-3193	371	39	increases	increase	VERB
fsr-3193	371	40	their	their	PRON
fsr-3193	371	41	objective	objective	ADJ
fsr-3193	371	42	level	level	NOUN
fsr-3193	371	43	of	of	ADP
fsr-3193	371	44	knowledge	knowledge	NOUN
fsr-3193	371	45	,	,	PUNCT
fsr-3193	371	46	but	but	CCONJ
fsr-3193	371	47	also	also	ADV
fsr-3193	371	48	increases	increase	VERB
fsr-3193	371	49	their	their	PRON
fsr-3193	371	50	subjective	subjective	ADJ
fsr-3193	371	51	financial	financial	ADJ
fsr-3193	371	52	knowledge	knowledge	NOUN
fsr-3193	371	53	as	as	ADV
fsr-3193	371	54	well	well	ADV
fsr-3193	371	55	.	.	PUNCT
fsr-3193	372	1	these	these	DET
fsr-3193	372	2	efforts	effort	NOUN
fsr-3193	372	3	help	help	VERB
fsr-3193	372	4	military	military	ADJ
fsr-3193	372	5	households	household	NOUN
fsr-3193	372	6	and	and	CCONJ
fsr-3193	372	7	similar	similar	ADJ
fsr-3193	372	8	members	member	NOUN
fsr-3193	372	9	in	in	ADP
fsr-3193	372	10	volunteer	volunteer	NOUN
fsr-3193	372	11	service	service	NOUN
fsr-3193	372	12	prepare	prepare	VERB
fsr-3193	372	13	for	for	ADP
fsr-3193	372	14	and	and	CCONJ
fsr-3193	372	15	guard	guard	VERB
fsr-3193	372	16	against	against	ADP
fsr-3193	372	17	financial	financial	ADJ
fsr-3193	372	18	challenges	challenge	NOUN
fsr-3193	372	19	.	.	PUNCT
fsr-3193	373	1	practitioners	practitioner	NOUN
fsr-3193	373	2	need	need	VERB
fsr-3193	373	3	to	to	PART
fsr-3193	373	4	be	be	AUX
fsr-3193	373	5	aware	aware	ADJ
fsr-3193	373	6	of	of	ADP
fsr-3193	373	7	the	the	DET
fsr-3193	373	8	unique	unique	ADJ
fsr-3193	373	9	challenges	challenge	NOUN
fsr-3193	373	10	experienced	experience	VERB
fsr-3193	373	11	by	by	ADP
fsr-3193	373	12	military	military	ADJ
fsr-3193	373	13	households	household	NOUN
fsr-3193	373	14	and	and	CCONJ
fsr-3193	373	15	how	how	SCONJ
fsr-3193	373	16	they	they	PRON
fsr-3193	373	17	are	be	AUX
fsr-3193	373	18	related	relate	VERB
fsr-3193	373	19	to	to	ADP
fsr-3193	373	20	finances	finance	NOUN
fsr-3193	373	21	(	(	PUNCT
fsr-3193	373	22	borden	borden	PROPN
fsr-3193	373	23	et	et	PROPN
fsr-3193	373	24	al	al	PROPN
fsr-3193	373	25	.	.	PROPN
fsr-3193	373	26	,	,	PUNCT
fsr-3193	373	27	2016	2016	NUM
fsr-3193	373	28	)	)	PUNCT
fsr-3193	373	29	.	.	PUNCT
fsr-3193	374	1	however	however	ADV
fsr-3193	374	2	,	,	PUNCT
fsr-3193	374	3	given	give	VERB
fsr-3193	374	4	that	that	SCONJ
fsr-3193	374	5	military	military	ADJ
fsr-3193	374	6	households	household	NOUN
fsr-3193	374	7	are	be	AUX
fsr-3193	374	8	unique	unique	ADJ
fsr-3193	374	9	in	in	ADP
fsr-3193	374	10	many	many	ADJ
fsr-3193	374	11	ways	way	NOUN
fsr-3193	374	12	,	,	PUNCT
fsr-3193	374	13	including	include	VERB
fsr-3193	374	14	across	across	ADP
fsr-3193	374	15	branches	branch	NOUN
fsr-3193	374	16	,	,	PUNCT
fsr-3193	374	17	caution	caution	NOUN
fsr-3193	374	18	is	be	AUX
fsr-3193	374	19	warranted	warrant	VERB
fsr-3193	374	20	in	in	ADP
fsr-3193	374	21	generalizing	generalize	VERB
fsr-3193	374	22	the	the	DET
fsr-3193	374	23	results	result	NOUN
fsr-3193	374	24	to	to	ADP
fsr-3193	374	25	other	other	ADJ
fsr-3193	374	26	populations	population	NOUN
fsr-3193	374	27	.	.	PUNCT
fsr-3193	375	1	military	military	ADJ
fsr-3193	375	2	households	household	NOUN
fsr-3193	375	3	are	be	AUX
fsr-3193	375	4	many	many	ADJ
fsr-3193	375	5	times	time	NOUN
fsr-3193	375	6	considered	consider	VERB
fsr-3193	375	7	to	to	PART
fsr-3193	375	8	be	be	AUX
fsr-3193	375	9	financially	financially	ADV
fsr-3193	375	10	vulnerable	vulnerable	ADJ
fsr-3193	375	11	households	household	NOUN
fsr-3193	375	12	and	and	CCONJ
fsr-3193	375	13	our	our	PRON
fsr-3193	375	14	results	result	NOUN
fsr-3193	375	15	support	support	VERB
fsr-3193	375	16	the	the	DET
fsr-3193	375	17	need	need	NOUN
fsr-3193	375	18	to	to	PART
fsr-3193	375	19	increase	increase	VERB
fsr-3193	375	20	their	their	PRON
fsr-3193	375	21	financial	financial	ADJ
fsr-3193	375	22	knowledge	knowledge	NOUN
fsr-3193	375	23	(	(	PUNCT
fsr-3193	375	24	objective	objective	ADJ
fsr-3193	375	25	and	and	CCONJ
fsr-3193	375	26	subjective	subjective	ADJ
fsr-3193	375	27	)	)	PUNCT
fsr-3193	375	28	.	.	PUNCT
fsr-3193	376	1	ultimately	ultimately	ADV
fsr-3193	376	2	this	this	PRON
fsr-3193	376	3	may	may	AUX
fsr-3193	376	4	serve	serve	VERB
fsr-3193	376	5	as	as	ADP
fsr-3193	376	6	a	a	DET
fsr-3193	376	7	way	way	NOUN
fsr-3193	376	8	to	to	PART
fsr-3193	376	9	protect	protect	VERB
fsr-3193	376	10	them	they	PRON
fsr-3193	376	11	not	not	PART
fsr-3193	376	12	only	only	ADV
fsr-3193	376	13	while	while	SCONJ
fsr-3193	376	14	they	they	PRON
fsr-3193	376	15	serve	serve	VERB
fsr-3193	376	16	,	,	PUNCT
fsr-3193	376	17	but	but	CCONJ
fsr-3193	376	18	also	also	ADV
fsr-3193	376	19	after	after	SCONJ
fsr-3193	376	20	they	they	PRON
fsr-3193	376	21	leave	leave	VERB
fsr-3193	376	22	the	the	DET
fsr-3193	376	23	military	military	NOUN
fsr-3193	376	24	.	.	PUNCT
fsr-3193	377	1	both	both	PRON
fsr-3193	377	2	financial	financial	ADJ
fsr-3193	377	3	education	education	NOUN
fsr-3193	377	4	and	and	CCONJ
fsr-3193	377	5	financial	financial	ADJ
fsr-3193	377	6	knowledge	knowledge	NOUN
fsr-3193	377	7	increase	increase	VERB
fsr-3193	377	8	the	the	DET
fsr-3193	377	9	odds	odd	NOUN
fsr-3193	377	10	of	of	ADP
fsr-3193	377	11	households	household	NOUN
fsr-3193	377	12	participating	participate	VERB
fsr-3193	377	13	in	in	ADP
fsr-3193	377	14	these	these	DET
fsr-3193	377	15	positive	positive	ADJ
fsr-3193	377	16	financial	financial	ADJ
fsr-3193	377	17	behaviors	behavior	NOUN
fsr-3193	377	18	,	,	PUNCT
fsr-3193	377	19	so	so	ADV
fsr-3193	377	20	increasing	increase	VERB
fsr-3193	377	21	the	the	DET
fsr-3193	377	22	access	access	NOUN
fsr-3193	377	23	as	as	ADV
fsr-3193	377	24	well	well	ADV
fsr-3193	377	25	as	as	ADP
fsr-3193	377	26	the	the	DET
fsr-3193	377	27	quality	quality	NOUN
fsr-3193	377	28	of	of	ADP
fsr-3193	377	29	the	the	DET
fsr-3193	377	30	programming	programming	NOUN
fsr-3193	377	31	may	may	AUX
fsr-3193	377	32	be	be	AUX
fsr-3193	377	33	one	one	NUM
fsr-3193	377	34	avenue	avenue	NOUN
fsr-3193	377	35	to	to	ADP
fsr-3193	377	36	increasing	increase	VERB
fsr-3193	377	37	financial	financial	ADJ
fsr-3193	377	38	knowledge	knowledge	NOUN
fsr-3193	377	39	and	and	CCONJ
fsr-3193	377	40	potentially	potentially	ADV
fsr-3193	377	41	financial	financial	ADJ
fsr-3193	377	42	behaviors	behavior	NOUN
fsr-3193	377	43	.	.	PUNCT
fsr-3193	378	1	developing	develop	VERB
fsr-3193	378	2	financial	financial	ADJ
fsr-3193	378	3	education	education	NOUN
fsr-3193	378	4	programs	program	NOUN
fsr-3193	378	5	that	that	PRON
fsr-3193	378	6	build	build	VERB
fsr-3193	378	7	systems	system	NOUN
fsr-3193	378	8	of	of	ADP
fsr-3193	378	9	support	support	NOUN
fsr-3193	378	10	and	and	CCONJ
fsr-3193	378	11	skills	skill	NOUN
fsr-3193	378	12	will	will	AUX
fsr-3193	378	13	help	help	VERB
fsr-3193	378	14	military	military	ADJ
fsr-3193	378	15	households	household	NOUN
fsr-3193	378	16	further	far	ADV
fsr-3193	378	17	develop	develop	VERB
fsr-3193	378	18	positive	positive	ADJ
fsr-3193	378	19	financial	financial	ADJ
fsr-3193	378	20	behaviors	behavior	NOUN
fsr-3193	378	21	.	.	PUNCT
fsr-3193	379	1	professionals	professional	NOUN
fsr-3193	379	2	who	who	PRON
fsr-3193	379	3	work	work	VERB
fsr-3193	379	4	with	with	ADP
fsr-3193	379	5	military	military	ADJ
fsr-3193	379	6	households	household	NOUN
fsr-3193	379	7	as	as	SCONJ
fsr-3193	379	8	clients	client	NOUN
fsr-3193	379	9	should	should	AUX
fsr-3193	379	10	consider	consider	VERB
fsr-3193	379	11	addressing	address	VERB
fsr-3193	379	12	not	not	PART
fsr-3193	379	13	only	only	ADV
fsr-3193	379	14	financial	financial	ADJ
fsr-3193	379	15	knowledge	knowledge	NOUN
fsr-3193	379	16	with	with	ADP
fsr-3193	379	17	their	their	PRON
fsr-3193	379	18	clients	client	NOUN
fsr-3193	379	19	,	,	PUNCT
fsr-3193	379	20	but	but	CCONJ
fsr-3193	379	21	also	also	ADV
fsr-3193	379	22	areas	area	NOUN
fsr-3193	379	23	of	of	ADP
fsr-3193	379	24	50	50	NUM
fsr-3193	379	25	m.	m.	NOUN
fsr-3193	379	26	j.	j.	PROPN
fsr-3193	379	27	wilmarth	wilmarth	PROPN
fsr-3193	379	28	et	et	PROPN
fsr-3193	379	29	al	al	PROPN
fsr-3193	379	30	.	.	PUNCT
fsr-3193	379	31	/	/	SYM
fsr-3193	379	32	financial	financial	ADJ
fsr-3193	379	33	services	service	NOUN
fsr-3193	379	34	review	review	VERB
fsr-3193	379	35	31	31	NUM
fsr-3193	379	36	(	(	PUNCT
fsr-3193	379	37	2023	2023	NUM
fsr-3193	379	38	)	)	PUNCT
fsr-3193	379	39	35–54	35–54	NUM
fsr-3193	379	40	financial	financial	ADJ
fsr-3193	379	41	communication	communication	NOUN
fsr-3193	379	42	and	and	CCONJ
fsr-3193	379	43	financial	financial	ADJ
fsr-3193	379	44	engagement	engagement	NOUN
fsr-3193	379	45	to	to	PART
fsr-3193	379	46	help	help	VERB
fsr-3193	379	47	in	in	ADP
fsr-3193	379	48	increasing	increase	VERB
fsr-3193	379	49	subjective	subjective	ADJ
fsr-3193	379	50	financial	financial	ADJ
fsr-3193	379	51	knowledge	knowledge	NOUN
fsr-3193	379	52	,	,	PUNCT
fsr-3193	379	53	which	which	PRON
fsr-3193	379	54	will	will	AUX
fsr-3193	379	55	help	help	VERB
fsr-3193	379	56	serve	serve	VERB
fsr-3193	379	57	as	as	ADP
fsr-3193	379	58	protective	protective	ADJ
fsr-3193	379	59	factors	factor	NOUN
fsr-3193	379	60	and	and	CCONJ
fsr-3193	379	61	coping	cope	VERB
fsr-3193	379	62	strategies	strategy	NOUN
fsr-3193	379	63	for	for	ADP
fsr-3193	379	64	military	military	ADJ
fsr-3193	379	65	families	family	NOUN
fsr-3193	379	66	.	.	PUNCT
fsr-3193	380	1	appendix	appendix	ADJ
fsr-3193	380	2	description	description	NOUN
fsr-3193	380	3	of	of	ADP
fsr-3193	380	4	key	key	ADJ
fsr-3193	380	5	variables	variable	NOUN
fsr-3193	380	6	in	in	ADP
fsr-3193	380	7	the	the	DET
fsr-3193	380	8	2018	2018	NUM
fsr-3193	380	9	national	national	ADJ
fsr-3193	380	10	financial	financial	ADJ
fsr-3193	380	11	capability	capability	NOUN
fsr-3193	380	12	study	study	NOUN
fsr-3193	380	13	(	(	PUNCT
fsr-3193	380	14	nfcs	nfcs	ADJ
fsr-3193	380	15	)	)	PUNCT
fsr-3193	380	16	variable	variable	ADJ
fsr-3193	380	17	description	description	NOUN
fsr-3193	380	18	short	short	ADJ
fsr-3193	380	19	-	-	PUNCT
fsr-3193	380	20	term	term	NOUN
fsr-3193	380	21	behaviors	behavior	NOUN
fsr-3193	380	22	the	the	DET
fsr-3193	380	23	responses	response	NOUN
fsr-3193	380	24	were	be	AUX
fsr-3193	380	25	summed	sum	VERB
fsr-3193	380	26	for	for	ADP
fsr-3193	380	27	index	index	NOUN
fsr-3193	380	28	;	;	PUNCT
fsr-3193	380	29	ranging	range	VERB
fsr-3193	380	30	0–4	0–4	X
fsr-3193	380	31	.	.	PUNCT
fsr-3193	381	1	emergency	emergency	NOUN
fsr-3193	381	2	funds	fund	NOUN
fsr-3193	381	3	“	"	PUNCT
fsr-3193	381	4	have	have	AUX
fsr-3193	381	5	you	you	PRON
fsr-3193	381	6	set	set	VERB
fsr-3193	381	7	aside	aside	ADV
fsr-3193	381	8	emergency	emergency	NOUN
fsr-3193	381	9	or	or	CCONJ
fsr-3193	381	10	rainy	rainy	ADJ
fsr-3193	381	11	day	day	NOUN
fsr-3193	381	12	funds	fund	NOUN
fsr-3193	381	13	that	that	PRON
fsr-3193	381	14	would	would	AUX
fsr-3193	381	15	cover	cover	VERB
fsr-3193	381	16	your	your	PRON
fsr-3193	381	17	expenses	expense	NOUN
fsr-3193	381	18	for	for	ADP
fsr-3193	381	19	3	3	NUM
fsr-3193	381	20	months	month	NOUN
fsr-3193	381	21	,	,	PUNCT
fsr-3193	381	22	in	in	ADP
fsr-3193	381	23	case	case	NOUN
fsr-3193	381	24	of	of	ADP
fsr-3193	381	25	sickness	sickness	NOUN
fsr-3193	381	26	,	,	PUNCT
fsr-3193	381	27	job	job	NOUN
fsr-3193	381	28	loss	loss	NOUN
fsr-3193	381	29	,	,	PUNCT
fsr-3193	381	30	economic	economic	ADJ
fsr-3193	381	31	downturn	downturn	NOUN
fsr-3193	381	32	,	,	PUNCT
fsr-3193	381	33	or	or	CCONJ
fsr-3193	381	34	other	other	ADJ
fsr-3193	381	35	emergencies	emergency	NOUN
fsr-3193	381	36	?	?	PUNCT
fsr-3193	381	37	”	"	PUNCT
fsr-3193	381	38	spending	spend	VERB
fsr-3193	381	39	less	less	ADJ
fsr-3193	381	40	than	than	ADP
fsr-3193	381	41	or	or	CCONJ
fsr-3193	381	42	equal	equal	ADJ
fsr-3193	381	43	to	to	ADP
fsr-3193	381	44	income	income	VERB
fsr-3193	381	45	“	"	PUNCT
fsr-3193	381	46	over	over	ADP
fsr-3193	381	47	the	the	DET
fsr-3193	381	48	past	past	ADJ
fsr-3193	381	49	year	year	NOUN
fsr-3193	381	50	,	,	PUNCT
fsr-3193	381	51	would	would	AUX
fsr-3193	381	52	you	you	PRON
fsr-3193	381	53	say	say	VERB
fsr-3193	381	54	your	your	PRON
fsr-3193	381	55	spending	spending	NOUN
fsr-3193	381	56	was	be	AUX
fsr-3193	381	57	less	less	ADJ
fsr-3193	381	58	than	than	ADP
fsr-3193	381	59	,	,	PUNCT
fsr-3193	381	60	more	more	ADJ
fsr-3193	381	61	than	than	ADP
fsr-3193	381	62	,	,	PUNCT
fsr-3193	381	63	or	or	CCONJ
fsr-3193	381	64	about	about	ADP
fsr-3193	381	65	equal	equal	ADJ
fsr-3193	381	66	to	to	ADP
fsr-3193	381	67	your	your	PRON
fsr-3193	381	68	income	income	NOUN
fsr-3193	381	69	?	?	PUNCT
fsr-3193	381	70	”	"	PUNCT
fsr-3193	382	1	no	no	DET
fsr-3193	382	2	overdrafts	overdraft	NOUN
fsr-3193	382	3	“	"	PUNCT
fsr-3193	382	4	do	do	AUX
fsr-3193	382	5	you	you	PRON
fsr-3193	382	6	overdraw	overdraw	VERB
fsr-3193	382	7	your	your	PRON
fsr-3193	382	8	checking	checking	NOUN
fsr-3193	382	9	account	account	NOUN
fsr-3193	382	10	occasionally	occasionally	ADV
fsr-3193	382	11	?	?	PUNCT
fsr-3193	382	12	”	"	PUNCT
fsr-3193	383	1	budgeting	budgeting	NOUN
fsr-3193	383	2	i	i	PRON
fsr-3193	383	3	have	have	VERB
fsr-3193	383	4	money	money	NOUN
fsr-3193	383	5	left	leave	VERB
fsr-3193	383	6	over	over	ADP
fsr-3193	383	7	at	at	ADP
fsr-3193	383	8	the	the	DET
fsr-3193	383	9	end	end	NOUN
fsr-3193	383	10	of	of	ADP
fsr-3193	383	11	the	the	DET
fsr-3193	383	12	month	month	NOUN
fsr-3193	383	13	long	long	ADJ
fsr-3193	383	14	-	-	PUNCT
fsr-3193	383	15	term	term	NOUN
fsr-3193	383	16	behaviors	behavior	NOUN
fsr-3193	383	17	the	the	DET
fsr-3193	383	18	responses	response	NOUN
fsr-3193	383	19	were	be	AUX
fsr-3193	383	20	summed	sum	VERB
fsr-3193	383	21	for	for	ADP
fsr-3193	383	22	index	index	NOUN
fsr-3193	383	23	;	;	PUNCT
fsr-3193	383	24	ranging	range	VERB
fsr-3193	383	25	0–4	0–4	PROPN
fsr-3193	383	26	.	.	PUNCT
fsr-3193	383	27	retirement	retirement	PROPN
fsr-3193	383	28	planning	planning	NOUN
fsr-3193	383	29	“	"	PUNCT
fsr-3193	383	30	have	have	AUX
fsr-3193	383	31	you	you	PRON
fsr-3193	383	32	ever	ever	ADV
fsr-3193	383	33	tried	try	VERB
fsr-3193	383	34	to	to	PART
fsr-3193	383	35	figure	figure	VERB
fsr-3193	383	36	out	out	ADP
fsr-3193	383	37	how	how	SCONJ
fsr-3193	383	38	much	much	ADJ
fsr-3193	383	39	you	you	PRON
fsr-3193	383	40	need	need	VERB
fsr-3193	383	41	to	to	PART
fsr-3193	383	42	save	save	VERB
fsr-3193	383	43	for	for	ADP
fsr-3193	383	44	retirement	retirement	NOUN
fsr-3193	383	45	?	?	PUNCT
fsr-3193	383	46	”	"	PUNCT
fsr-3193	383	47	retirement	retirement	NOUN
fsr-3193	383	48	account	account	NOUN
fsr-3193	383	49	“	"	PUNCT
fsr-3193	383	50	do	do	AUX
fsr-3193	383	51	you	you	PRON
fsr-3193	383	52	have	have	VERB
fsr-3193	383	53	any	any	DET
fsr-3193	383	54	retirement	retirement	NOUN
fsr-3193	383	55	plans	plan	NOUN
fsr-3193	383	56	through	through	ADP
fsr-3193	383	57	a	a	DET
fsr-3193	383	58	current	current	ADJ
fsr-3193	383	59	or	or	CCONJ
fsr-3193	383	60	previous	previous	ADJ
fsr-3193	383	61	employer	employer	NOUN
fsr-3193	383	62	,	,	PUNCT
fsr-3193	383	63	like	like	ADP
fsr-3193	383	64	a	a	DET
fsr-3193	383	65	pension	pension	NOUN
fsr-3193	383	66	plan	plan	NOUN
fsr-3193	383	67	or	or	CCONJ
fsr-3193	383	68	a	a	DET
fsr-3193	383	69	401(k	401(k	PROPN
fsr-3193	383	70	)	)	PUNCT
fsr-3193	383	71	?	?	PUNCT
fsr-3193	383	72	”	"	PUNCT
fsr-3193	383	73	investments	investment	NOUN
fsr-3193	383	74	“	"	PUNCT
fsr-3193	383	75	not	not	PART
fsr-3193	383	76	including	include	VERB
fsr-3193	383	77	retirement	retirement	NOUN
fsr-3193	383	78	accounts	account	NOUN
fsr-3193	383	79	,	,	PUNCT
fsr-3193	383	80	have	have	VERB
fsr-3193	383	81	any	any	DET
fsr-3193	383	82	investments	investment	NOUN
fsr-3193	383	83	in	in	ADP
fsr-3193	383	84	stocks	stock	NOUN
fsr-3193	383	85	,	,	PUNCT
fsr-3193	383	86	bonds	bond	NOUN
fsr-3193	383	87	,	,	PUNCT
fsr-3193	383	88	mutual	mutual	ADJ
fsr-3193	383	89	funds	fund	NOUN
fsr-3193	383	90	,	,	PUNCT
fsr-3193	383	91	or	or	CCONJ
fsr-3193	383	92	other	other	ADJ
fsr-3193	383	93	securities	security	NOUN
fsr-3193	383	94	?	?	PUNCT
fsr-3193	383	95	”	"	PUNCT
fsr-3193	384	1	having	have	VERB
fsr-3193	384	2	a	a	DET
fsr-3193	384	3	will	will	NOUN
fsr-3193	384	4	“	"	PUNCT
fsr-3193	384	5	do	do	AUX
fsr-3193	384	6	you	you	PRON
fsr-3193	384	7	currently	currently	ADV
fsr-3193	384	8	have	have	VERB
fsr-3193	384	9	a	a	DET
fsr-3193	384	10	will	will	NOUN
fsr-3193	384	11	?	?	PUNCT
fsr-3193	384	12	”	"	PUNCT
fsr-3193	384	13	objective	objective	ADJ
fsr-3193	384	14	financial	financial	ADJ
fsr-3193	384	15	knowledge	knowledge	NOUN
fsr-3193	384	16	sum	sum	NOUN
fsr-3193	384	17	of	of	ADP
fsr-3193	384	18	correct	correct	ADJ
fsr-3193	384	19	answers	answer	NOUN
fsr-3193	384	20	to	to	ADP
fsr-3193	384	21	financial	financial	ADJ
fsr-3193	384	22	knowledge	knowledge	NOUN
fsr-3193	384	23	questions	question	NOUN
fsr-3193	384	24	,	,	PUNCT
fsr-3193	384	25	ranging	range	VERB
fsr-3193	384	26	0–6	0–6	NOUN
fsr-3193	384	27	.	.	PUNCT
fsr-3193	384	28	interest	interest	NOUN
fsr-3193	384	29	“	"	PUNCT
fsr-3193	384	30	suppose	suppose	VERB
fsr-3193	384	31	you	you	PRON
fsr-3193	384	32	had	have	VERB
fsr-3193	384	33	$	$	SYM
fsr-3193	384	34	100	100	NUM
fsr-3193	384	35	in	in	ADP
fsr-3193	384	36	a	a	DET
fsr-3193	384	37	savings	saving	NOUN
fsr-3193	384	38	account	account	NOUN
fsr-3193	384	39	and	and	CCONJ
fsr-3193	384	40	the	the	DET
fsr-3193	384	41	interest	interest	NOUN
fsr-3193	384	42	rate	rate	NOUN
fsr-3193	384	43	was	be	AUX
fsr-3193	384	44	2	2	NUM
fsr-3193	384	45	%	%	NOUN
fsr-3193	384	46	per	per	ADP
fsr-3193	384	47	year	year	NOUN
fsr-3193	384	48	.	.	PUNCT
fsr-3193	385	1	after	after	ADP
fsr-3193	385	2	5	5	NUM
fsr-3193	385	3	years	year	NOUN
fsr-3193	385	4	,	,	PUNCT
fsr-3193	385	5	how	how	SCONJ
fsr-3193	385	6	much	much	ADJ
fsr-3193	385	7	do	do	AUX
fsr-3193	385	8	you	you	PRON
fsr-3193	385	9	think	think	VERB
fsr-3193	385	10	you	you	PRON
fsr-3193	385	11	would	would	AUX
fsr-3193	385	12	have	have	VERB
fsr-3193	385	13	in	in	ADP
fsr-3193	385	14	the	the	DET
fsr-3193	385	15	account	account	NOUN
fsr-3193	385	16	if	if	SCONJ
fsr-3193	385	17	you	you	PRON
fsr-3193	385	18	left	leave	VERB
fsr-3193	385	19	the	the	DET
fsr-3193	385	20	money	money	NOUN
fsr-3193	385	21	to	to	PART
fsr-3193	385	22	grow	grow	VERB
fsr-3193	385	23	?	?	PUNCT
fsr-3193	385	24	”	"	PUNCT
fsr-3193	385	25	inflation	inflation	NOUN
fsr-3193	385	26	“	"	PUNCT
fsr-3193	385	27	imagine	imagine	VERB
fsr-3193	385	28	that	that	SCONJ
fsr-3193	385	29	the	the	DET
fsr-3193	385	30	interest	interest	NOUN
fsr-3193	385	31	rate	rate	NOUN
fsr-3193	385	32	on	on	ADP
fsr-3193	385	33	your	your	PRON
fsr-3193	385	34	savings	saving	NOUN
fsr-3193	385	35	account	account	NOUN
fsr-3193	385	36	was	be	AUX
fsr-3193	385	37	1	1	NUM
fsr-3193	385	38	%	%	NOUN
fsr-3193	385	39	per	per	ADP
fsr-3193	385	40	year	year	NOUN
fsr-3193	385	41	and	and	CCONJ
fsr-3193	385	42	inflation	inflation	NOUN
fsr-3193	385	43	was	be	AUX
fsr-3193	385	44	2	2	NUM
fsr-3193	385	45	%	%	NOUN
fsr-3193	385	46	per	per	ADP
fsr-3193	385	47	year	year	NOUN
fsr-3193	385	48	.	.	PUNCT
fsr-3193	386	1	after	after	ADP
fsr-3193	386	2	1	1	NUM
fsr-3193	386	3	year	year	NOUN
fsr-3193	386	4	,	,	PUNCT
fsr-3193	386	5	how	how	SCONJ
fsr-3193	386	6	much	much	ADJ
fsr-3193	386	7	would	would	AUX
fsr-3193	386	8	you	you	PRON
fsr-3193	386	9	be	be	AUX
fsr-3193	386	10	able	able	ADJ
fsr-3193	386	11	to	to	PART
fsr-3193	386	12	buy	buy	VERB
fsr-3193	386	13	with	with	ADP
fsr-3193	386	14	the	the	DET
fsr-3193	386	15	money	money	NOUN
fsr-3193	386	16	in	in	ADP
fsr-3193	386	17	this	this	DET
fsr-3193	386	18	account	account	NOUN
fsr-3193	386	19	?	?	PUNCT
fsr-3193	386	20	”	"	PUNCT
fsr-3193	386	21	bond	bond	NOUN
fsr-3193	386	22	price	price	NOUN
fsr-3193	386	23	“	"	PUNCT
fsr-3193	386	24	if	if	SCONJ
fsr-3193	386	25	interest	interest	NOUN
fsr-3193	386	26	rates	rate	NOUN
fsr-3193	386	27	rise	rise	VERB
fsr-3193	386	28	,	,	PUNCT
fsr-3193	386	29	what	what	PRON
fsr-3193	386	30	will	will	AUX
fsr-3193	386	31	typically	typically	ADV
fsr-3193	386	32	happen	happen	VERB
fsr-3193	386	33	to	to	PART
fsr-3193	386	34	bond	bond	NOUN
fsr-3193	386	35	prices	price	NOUN
fsr-3193	386	36	?	?	PUNCT
fsr-3193	386	37	”	"	PUNCT
fsr-3193	386	38	mortgage	mortgage	NOUN
fsr-3193	386	39	“	"	PUNCT
fsr-3193	386	40	a	a	DET
fsr-3193	386	41	15	15	NUM
fsr-3193	386	42	-	-	PUNCT
fsr-3193	386	43	year	year	NOUN
fsr-3193	386	44	mortgage	mortgage	NOUN
fsr-3193	386	45	typically	typically	ADV
fsr-3193	386	46	requires	require	VERB
fsr-3193	386	47	higher	high	ADJ
fsr-3193	386	48	monthly	monthly	ADJ
fsr-3193	386	49	payments	payment	NOUN
fsr-3193	386	50	than	than	ADP
fsr-3193	386	51	a	a	DET
fsr-3193	386	52	30	30	NUM
fsr-3193	386	53	-	-	PUNCT
fsr-3193	386	54	year	year	NOUN
fsr-3193	386	55	mortgage	mortgage	NOUN
fsr-3193	386	56	,	,	PUNCT
fsr-3193	386	57	but	but	CCONJ
fsr-3193	386	58	the	the	DET
fsr-3193	386	59	total	total	ADJ
fsr-3193	386	60	interest	interest	NOUN
fsr-3193	386	61	paid	pay	VERB
fsr-3193	386	62	over	over	ADP
fsr-3193	386	63	the	the	DET
fsr-3193	386	64	life	life	NOUN
fsr-3193	386	65	of	of	ADP
fsr-3193	386	66	the	the	DET
fsr-3193	386	67	loan	loan	NOUN
fsr-3193	386	68	will	will	AUX
fsr-3193	386	69	be	be	AUX
fsr-3193	386	70	less	less	ADJ
fsr-3193	386	71	.	.	PUNCT
fsr-3193	386	72	”	"	PUNCT
fsr-3193	387	1	portfolio	portfolio	NOUN
fsr-3193	387	2	“	"	PUNCT
fsr-3193	387	3	buying	buy	VERB
fsr-3193	387	4	a	a	DET
fsr-3193	387	5	single	single	ADJ
fsr-3193	387	6	company	company	NOUN
fsr-3193	387	7	’s	’s	PART
fsr-3193	387	8	stock	stock	NOUN
fsr-3193	387	9	usually	usually	ADV
fsr-3193	387	10	provides	provide	VERB
fsr-3193	387	11	a	a	DET
fsr-3193	387	12	safer	safe	ADJ
fsr-3193	387	13	return	return	NOUN
fsr-3193	387	14	than	than	ADP
fsr-3193	387	15	a	a	DET
fsr-3193	387	16	stock	stock	NOUN
fsr-3193	387	17	mutual	mutual	ADJ
fsr-3193	387	18	fund	fund	NOUN
fsr-3193	387	19	.	.	PUNCT
fsr-3193	387	20	”	"	PUNCT
fsr-3193	388	1	time	time	NOUN
fsr-3193	388	2	value	value	NOUN
fsr-3193	388	3	of	of	ADP
fsr-3193	388	4	money	money	NOUN
fsr-3193	388	5	“	"	PUNCT
fsr-3193	388	6	suppose	suppose	VERB
fsr-3193	388	7	you	you	PRON
fsr-3193	388	8	owe	owe	VERB
fsr-3193	388	9	$	$	SYM
fsr-3193	388	10	1,000	1,000	NUM
fsr-3193	388	11	on	on	ADP
fsr-3193	388	12	a	a	DET
fsr-3193	388	13	loan	loan	NOUN
fsr-3193	388	14	and	and	CCONJ
fsr-3193	388	15	the	the	DET
fsr-3193	388	16	interest	interest	NOUN
fsr-3193	388	17	rate	rate	NOUN
fsr-3193	388	18	you	you	PRON
fsr-3193	388	19	are	be	AUX
fsr-3193	388	20	charged	charge	VERB
fsr-3193	388	21	is	be	AUX
fsr-3193	388	22	20	20	NUM
fsr-3193	388	23	%	%	NOUN
fsr-3193	388	24	per	per	ADP
fsr-3193	388	25	year	year	NOUN
fsr-3193	388	26	compounded	compound	VERB
fsr-3193	388	27	annually	annually	ADV
fsr-3193	388	28	.	.	PUNCT
fsr-3193	389	1	if	if	SCONJ
fsr-3193	389	2	you	you	PRON
fsr-3193	389	3	did	do	AUX
fsr-3193	389	4	n’t	not	PART
fsr-3193	389	5	pay	pay	VERB
fsr-3193	389	6	anything	anything	PRON
fsr-3193	389	7	off	off	ADP
fsr-3193	389	8	,	,	PUNCT
fsr-3193	389	9	at	at	ADP
fsr-3193	389	10	this	this	DET
fsr-3193	389	11	interest	interest	NOUN
fsr-3193	389	12	rate	rate	NOUN
fsr-3193	389	13	,	,	PUNCT
fsr-3193	389	14	how	how	SCONJ
fsr-3193	389	15	many	many	ADJ
fsr-3193	389	16	years	year	NOUN
fsr-3193	389	17	would	would	AUX
fsr-3193	389	18	it	it	PRON
fsr-3193	389	19	take	take	VERB
fsr-3193	389	20	for	for	ADP
fsr-3193	389	21	the	the	DET
fsr-3193	389	22	amount	amount	NOUN
fsr-3193	389	23	you	you	PRON
fsr-3193	389	24	owe	owe	VERB
fsr-3193	389	25	to	to	PART
fsr-3193	389	26	double	double	VERB
fsr-3193	389	27	?	?	PUNCT
fsr-3193	389	28	”	"	PUNCT
fsr-3193	389	29	subjective	subjective	ADJ
fsr-3193	389	30	financial	financial	ADJ
fsr-3193	389	31	knowledge	knowledge	NOUN
fsr-3193	389	32	‘	'	PUNCT
fsr-3193	389	33	‘	'	PUNCT
fsr-3193	389	34	on	on	ADP
fsr-3193	389	35	a	a	DET
fsr-3193	389	36	scale	scale	NOUN
fsr-3193	389	37	from	from	ADP
fsr-3193	389	38	1	1	NUM
fsr-3193	389	39	to	to	ADP
fsr-3193	389	40	7	7	NUM
fsr-3193	389	41	,	,	PUNCT
fsr-3193	389	42	where	where	SCONJ
fsr-3193	389	43	1	1	NUM
fsr-3193	389	44	means	mean	VERB
fsr-3193	389	45	very	very	ADV
fsr-3193	389	46	low	low	ADJ
fsr-3193	389	47	and	and	CCONJ
fsr-3193	389	48	7	7	NUM
fsr-3193	389	49	means	mean	VERB
fsr-3193	389	50	very	very	ADV
fsr-3193	389	51	high	high	ADJ
fsr-3193	389	52	,	,	PUNCT
fsr-3193	389	53	how	how	SCONJ
fsr-3193	389	54	would	would	AUX
fsr-3193	389	55	you	you	PRON
fsr-3193	389	56	assess	assess	VERB
fsr-3193	389	57	your	your	PRON
fsr-3193	389	58	overall	overall	ADJ
fsr-3193	389	59	financial	financial	ADJ
fsr-3193	389	60	knowledge	knowledge	NOUN
fsr-3193	389	61	?	?	PUNCT
fsr-3193	389	62	’’	’'	PUNCT
fsr-3193	389	63	financial	financial	ADJ
fsr-3193	389	64	education	education	NOUN
fsr-3193	389	65	“	"	PUNCT
fsr-3193	389	66	was	be	AUX
fsr-3193	389	67	financial	financial	ADJ
fsr-3193	389	68	education	education	NOUN
fsr-3193	389	69	offered	offer	VERB
fsr-3193	389	70	by	by	ADP
fsr-3193	389	71	a	a	DET
fsr-3193	389	72	school	school	NOUN
fsr-3193	389	73	or	or	CCONJ
fsr-3193	389	74	college	college	NOUN
fsr-3193	389	75	you	you	PRON
fsr-3193	389	76	attended	attend	VERB
fsr-3193	389	77	,	,	PUNCT
fsr-3193	389	78	or	or	CCONJ
fsr-3193	389	79	a	a	DET
fsr-3193	389	80	workplace	workplace	NOUN
fsr-3193	389	81	where	where	SCONJ
fsr-3193	389	82	you	you	PRON
fsr-3193	389	83	were	be	AUX
fsr-3193	389	84	employed	employ	VERB
fsr-3193	389	85	?	?	PUNCT
fsr-3193	389	86	”	"	PUNCT
fsr-3193	390	1	m.	m.	NOUN
fsr-3193	390	2	j.	j.	PROPN
fsr-3193	390	3	wilmarth	wilmarth	PROPN
fsr-3193	390	4	et	et	PROPN
fsr-3193	390	5	al	al	PROPN
fsr-3193	390	6	.	.	PUNCT
fsr-3193	390	7	/	/	SYM
fsr-3193	390	8	financial	financial	ADJ
fsr-3193	390	9	services	service	NOUN
fsr-3193	390	10	review	review	VERB
fsr-3193	390	11	31	31	NUM
fsr-3193	390	12	(	(	PUNCT
fsr-3193	390	13	2023	2023	NUM
fsr-3193	390	14	)	)	PUNCT
fsr-3193	390	15	35–54	35–54	NUM
fsr-3193	390	16	51	51	NUM
fsr-3193	390	17	references	reference	NOUN
fsr-3193	390	18	allgood	allgood	NOUN
fsr-3193	390	19	,	,	PUNCT
fsr-3193	390	20	s.	s.	PROPN
fsr-3193	390	21	,	,	PUNCT
fsr-3193	390	22	&	&	CCONJ
fsr-3193	390	23	walstad	walstad	PROPN
fsr-3193	390	24	,	,	PUNCT
fsr-3193	390	25	w.	w.	PROPN
fsr-3193	390	26	b.	b.	PROPN
fsr-3193	390	27	(	(	PUNCT
fsr-3193	390	28	2016	2016	NUM
fsr-3193	390	29	)	)	PUNCT
fsr-3193	390	30	.	.	PUNCT
fsr-3193	391	1	the	the	DET
fsr-3193	391	2	effects	effect	NOUN
fsr-3193	391	3	of	of	ADP
fsr-3193	391	4	perceived	perceive	VERB
fsr-3193	391	5	and	and	CCONJ
fsr-3193	391	6	actual	actual	ADJ
fsr-3193	391	7	financial	financial	ADJ
fsr-3193	391	8	literacy	literacy	NOUN
fsr-3193	391	9	on	on	ADP
fsr-3193	391	10	financial	financial	ADJ
fsr-3193	391	11	behaviors	behavior	NOUN
fsr-3193	391	12	.	.	PUNCT
fsr-3193	392	1	economic	economic	ADJ
fsr-3193	392	2	inquiry	inquiry	NOUN
fsr-3193	392	3	,	,	PUNCT
fsr-3193	392	4	54	54	NUM
fsr-3193	392	5	,	,	PUNCT
fsr-3193	392	6	675–697	675–697	NUM
fsr-3193	392	7	.	.	PUNCT
fsr-3193	393	1	https://doi.org/10.1111/ecin.12255	https://doi.org/10.1111/ecin.12255	PROPN
fsr-3193	393	2	american	american	ADJ
fsr-3193	393	3	psychological	psychological	PROPN
fsr-3193	393	4	association	association	PROPN
fsr-3193	393	5	.	.	PUNCT
fsr-3193	394	1	(	(	PUNCT
fsr-3193	394	2	2017	2017	NUM
fsr-3193	394	3	)	)	PUNCT
fsr-3193	394	4	.	.	PUNCT
fsr-3193	395	1	stress	stress	NOUN
fsr-3193	395	2	in	in	ADP
fsr-3193	395	3	america	america	PROPN
fsr-3193	395	4	:	:	PUNCT
fsr-3193	395	5	coping	cope	VERB
fsr-3193	395	6	with	with	ADP
fsr-3193	395	7	change	change	NOUN
fsr-3193	395	8	.	.	PUNCT
fsr-3193	396	1	available	available	ADJ
fsr-3193	396	2	at	at	ADP
fsr-3193	396	3	https://www	https://www	PROPN
fsr-3193	396	4	.	.	PUNCT
fsr-3193	397	1	apa.org/news/press/releases/stress/2016/coping-with-change.pdf	apa.org/news/press/releases/stress/2016/coping-with-change.pdf	X
fsr-3193	397	2	bell	bell	PROPN
fsr-3193	397	3	,	,	PUNCT
fsr-3193	397	4	c.	c.	PROPN
fsr-3193	397	5	j.	j.	PROPN
fsr-3193	397	6	,	,	PUNCT
fsr-3193	397	7	gorin	gorin	PROPN
fsr-3193	397	8	,	,	PUNCT
fsr-3193	397	9	d.	d.	PROPN
fsr-3193	397	10	r.	r.	PROPN
fsr-3193	397	11	,	,	PUNCT
fsr-3193	397	12	&	&	CCONJ
fsr-3193	397	13	hogarth	hogarth	PROPN
fsr-3193	397	14	,	,	PUNCT
fsr-3193	397	15	j.	j.	PROPN
fsr-3193	397	16	m.	m.	PROPN
fsr-3193	397	17	(	(	PUNCT
fsr-3193	397	18	2009	2009	NUM
fsr-3193	397	19	)	)	PUNCT
fsr-3193	397	20	.	.	PUNCT
fsr-3193	398	1	does	do	AUX
fsr-3193	398	2	financial	financial	ADJ
fsr-3193	398	3	education	education	NOUN
fsr-3193	398	4	affect	affect	VERB
fsr-3193	398	5	soldiers	soldier	NOUN
fsr-3193	398	6	’	'	PUNCT
fsr-3193	398	7	financial	financial	ADJ
fsr-3193	398	8	behavior	behavior	NOUN
fsr-3193	398	9	.	.	PUNCT
fsr-3193	399	1	networks	networks	PROPN
fsr-3193	399	2	financial	financial	PROPN
fsr-3193	399	3	institute	institute	PROPN
fsr-3193	399	4	working	working	PROPN
fsr-3193	399	5	paper	paper	PROPN
fsr-3193	399	6	2009	2009	NUM
fsr-3193	399	7	-	-	PUNCT
fsr-3193	399	8	wp-08	wp-08	NOUN
fsr-3193	399	9	.	.	PUNCT
fsr-3193	400	1	available	available	ADJ
fsr-3193	400	2	at	at	ADP
fsr-3193	400	3	http://ssrn.com/abstract=	http://ssrn.com/abstract=	PROPN
fsr-3193	400	4	1445635	1445635	NUM
fsr-3193	400	5	.	.	PUNCT
fsr-3193	401	1	bell	bell	PROPN
fsr-3193	401	2	,	,	PUNCT
fsr-3193	401	3	m.	m.	NOUN
fsr-3193	401	4	m.	m.	NOUN
fsr-3193	401	5	,	,	PUNCT
fsr-3193	401	6	nelson	nelson	PROPN
fsr-3193	401	7	,	,	PUNCT
fsr-3193	401	8	j.	j.	PROPN
fsr-3193	401	9	s.	s.	PROPN
fsr-3193	401	10	,	,	PUNCT
fsr-3193	401	11	spann	spann	PROPN
fsr-3193	401	12	,	,	PUNCT
fsr-3193	401	13	s.	s.	PROPN
fsr-3193	401	14	m.	m.	PROPN
fsr-3193	401	15	,	,	PUNCT
fsr-3193	401	16	molloy	molloy	PROPN
fsr-3193	401	17	,	,	PUNCT
fsr-3193	401	18	c.	c.	PROPN
fsr-3193	401	19	j.	j.	PROPN
fsr-3193	401	20	,	,	PUNCT
fsr-3193	401	21	britt	britt	PROPN
fsr-3193	401	22	,	,	PUNCT
fsr-3193	401	23	s.	s.	PROPN
fsr-3193	401	24	l.	l.	PROPN
fsr-3193	401	25	,	,	PUNCT
fsr-3193	401	26	&	&	CCONJ
fsr-3193	401	27	goff	goff	PROPN
fsr-3193	401	28	,	,	PUNCT
fsr-3193	401	29	b.	b.	PROPN
fsr-3193	401	30	n.	n.	PROPN
fsr-3193	401	31	(	(	PUNCT
fsr-3193	401	32	2014	2014	NUM
fsr-3193	401	33	)	)	PUNCT
fsr-3193	401	34	.	.	PUNCT
fsr-3193	402	1	the	the	DET
fsr-3193	402	2	impact	impact	NOUN
fsr-3193	402	3	of	of	ADP
fsr-3193	402	4	financial	financial	ADJ
fsr-3193	402	5	resources	resource	NOUN
fsr-3193	402	6	on	on	ADP
fsr-3193	402	7	soldiers	soldier	NOUN
fsr-3193	402	8	’	'	PUNCT
fsr-3193	402	9	well	well	ADV
fsr-3193	402	10	-	-	PUNCT
fsr-3193	402	11	being	being	NOUN
fsr-3193	402	12	.	.	PUNCT
fsr-3193	403	1	journal	journal	NOUN
fsr-3193	403	2	of	of	ADP
fsr-3193	403	3	financial	financial	ADJ
fsr-3193	403	4	counseling	counseling	NOUN
fsr-3193	403	5	and	and	CCONJ
fsr-3193	403	6	planning	planning	NOUN
fsr-3193	403	7	,	,	PUNCT
fsr-3193	403	8	25	25	NUM
fsr-3193	403	9	,	,	PUNCT
fsr-3193	403	10	41–52	41–52	NUM
fsr-3193	403	11	.	.	PUNCT
fsr-3193	404	1	borden	borden	PROPN
fsr-3193	404	2	,	,	PUNCT
fsr-3193	404	3	l.	l.	PROPN
fsr-3193	404	4	m.	m.	PROPN
fsr-3193	404	5	,	,	PUNCT
fsr-3193	404	6	braughton	braughton	PROPN
fsr-3193	404	7	,	,	PUNCT
fsr-3193	404	8	j.	j.	PROPN
fsr-3193	404	9	,	,	PUNCT
fsr-3193	404	10	brown	brown	PROPN
fsr-3193	404	11	,	,	PUNCT
fsr-3193	404	12	s.	s.	PROPN
fsr-3193	404	13	,	,	PUNCT
fsr-3193	404	14	davis	davis	PROPN
fsr-3193	404	15	,	,	PUNCT
fsr-3193	404	16	l.	l.	PROPN
fsr-3193	404	17	,	,	PUNCT
fsr-3193	404	18	gunty	gunty	NOUN
fsr-3193	404	19	,	,	PUNCT
fsr-3193	404	20	a.	a.	NOUN
fsr-3193	404	21	,	,	PUNCT
fsr-3193	404	22	jaeger	jaeger	PROPN
fsr-3193	404	23	,	,	PUNCT
fsr-3193	404	24	e.	e.	PROPN
fsr-3193	404	25	,	,	PUNCT
fsr-3193	404	26	mikal	mikal	PROPN
fsr-3193	404	27	,	,	PUNCT
fsr-3193	404	28	j.	j.	PROPN
fsr-3193	404	29	,	,	PUNCT
fsr-3193	404	30	otto	otto	PROPN
fsr-3193	404	31	,	,	PUNCT
fsr-3193	404	32	a.	a.	PROPN
fsr-3193	404	33	,	,	PUNCT
fsr-3193	404	34	richmond	richmond	PROPN
fsr-3193	404	35	,	,	PUNCT
fsr-3193	404	36	a.	a.	PROPN
fsr-3193	404	37	,	,	PUNCT
fsr-3193	404	38	roddy	roddy	PROPN
fsr-3193	404	39	,	,	PUNCT
fsr-3193	404	40	m.	m.	NOUN
fsr-3193	404	41	,	,	PUNCT
fsr-3193	404	42	roeske	roeske	ADJ
fsr-3193	404	43	,	,	PUNCT
fsr-3193	404	44	r.	r.	PROPN
fsr-3193	404	45	,	,	PUNCT
fsr-3193	404	46	sherman	sherman	PROPN
fsr-3193	404	47	,	,	PUNCT
fsr-3193	404	48	m.	m.	PROPN
fsr-3193	404	49	d.	d.	PROPN
fsr-3193	404	50	,	,	PUNCT
fsr-3193	404	51	werner	werner	PROPN
fsr-3193	404	52	,	,	PUNCT
fsr-3193	404	53	e.	e.	PROPN
fsr-3193	404	54	,	,	PUNCT
fsr-3193	404	55	williams	williams	PROPN
fsr-3193	404	56	,	,	PUNCT
fsr-3193	404	57	r.	r.	PROPN
fsr-3193	404	58	,	,	PUNCT
fsr-3193	404	59	&	&	CCONJ
fsr-3193	404	60	wilcox	wilcox	PROPN
fsr-3193	404	61	,	,	PUNCT
fsr-3193	404	62	s.	s.	PROPN
fsr-3193	404	63	(	(	PUNCT
fsr-3193	404	64	2016	2016	NUM
fsr-3193	404	65	)	)	PUNCT
fsr-3193	404	66	.	.	PUNCT
fsr-3193	405	1	military	military	ADJ
fsr-3193	405	2	families	family	NOUN
fsr-3193	405	3	and	and	CCONJ
fsr-3193	405	4	financial	financial	ADJ
fsr-3193	405	5	stress	stress	NOUN
fsr-3193	405	6	.	.	PUNCT
fsr-3193	406	1	available	available	ADJ
fsr-3193	406	2	at	at	ADP
fsr-3193	406	3	https://reachmilitaryfamilies.umn.edu/sites/default/files/rdoc/military	https://reachmilitaryfamilies.umn.edu/sites/default/files/rdoc/military	ADJ
fsr-3193	406	4	_	_	PRON
fsr-3193	406	5	families_and_financial_stress_dod3.pdf	families_and_financial_stress_dod3.pdf	NOUN
fsr-3193	406	6	braunstein	braunstein	ADV
fsr-3193	406	7	,	,	PUNCT
fsr-3193	406	8	s.	s.	PROPN
fsr-3193	406	9	,	,	PUNCT
fsr-3193	406	10	&	&	CCONJ
fsr-3193	406	11	welch	welch	PROPN
fsr-3193	406	12	,	,	PUNCT
fsr-3193	406	13	c.	c.	PROPN
fsr-3193	406	14	(	(	PUNCT
fsr-3193	406	15	2002	2002	NUM
fsr-3193	406	16	)	)	PUNCT
fsr-3193	406	17	.	.	PUNCT
fsr-3193	407	1	financial	financial	ADJ
fsr-3193	407	2	literacy	literacy	NOUN
fsr-3193	407	3	:	:	PUNCT
fsr-3193	407	4	an	an	DET
fsr-3193	407	5	overview	overview	NOUN
fsr-3193	407	6	of	of	ADP
fsr-3193	407	7	practice	practice	NOUN
fsr-3193	407	8	,	,	PUNCT
fsr-3193	407	9	research	research	NOUN
fsr-3193	407	10	,	,	PUNCT
fsr-3193	407	11	and	and	CCONJ
fsr-3193	407	12	policy	policy	NOUN
fsr-3193	407	13	.	.	PUNCT
fsr-3193	408	1	federal	federal	PROPN
fsr-3193	408	2	reserve	reserve	PROPN
fsr-3193	408	3	bulletin	bulletin	PROPN
fsr-3193	408	4	,	,	PUNCT
fsr-3193	408	5	88	88	NUM
fsr-3193	408	6	,	,	PUNCT
fsr-3193	408	7	november	november	PROPN
fsr-3193	408	8	,	,	PUNCT
fsr-3193	408	9	445–457	445–457	NUM
fsr-3193	408	10	.	.	PUNCT
fsr-3193	408	11	https://doi.org/10.17016/bulletin.2002.88-11	https://doi.org/10.17016/bulletin.2002.88-11	PROPN
fsr-3193	408	12	brunson	brunson	PROPN
fsr-3193	408	13	,	,	PUNCT
fsr-3193	408	14	b.	b.	PROPN
fsr-3193	408	15	h.	h.	PROPN
fsr-3193	408	16	,	,	PUNCT
fsr-3193	408	17	snow	snow	NOUN
fsr-3193	408	18	,	,	PUNCT
fsr-3193	408	19	m.	m.	NOUN
fsr-3193	408	20	,	,	PUNCT
fsr-3193	408	21	&	&	CCONJ
fsr-3193	408	22	gustafson	gustafson	PROPN
fsr-3193	408	23	,	,	PUNCT
fsr-3193	408	24	a.	a.	PROPN
fsr-3193	408	25	w.	w.	PROPN
fsr-3193	408	26	(	(	PUNCT
fsr-3193	408	27	1998	1998	NUM
fsr-3193	408	28	)	)	PUNCT
fsr-3193	408	29	.	.	PUNCT
fsr-3193	409	1	mid	mid	ADJ
fsr-3193	409	2	-	-	ADJ
fsr-3193	409	3	life	life	ADJ
fsr-3193	409	4	career	career	NOUN
fsr-3193	409	5	change	change	NOUN
fsr-3193	409	6	:	:	PUNCT
fsr-3193	409	7	career	career	NOUN
fsr-3193	409	8	military	military	NOUN
fsr-3193	409	9	versus	versus	ADP
fsr-3193	409	10	noncareer	noncareer	ADJ
fsr-3193	409	11	military	military	ADJ
fsr-3193	409	12	financial	financial	ADJ
fsr-3193	409	13	well	well	ADV
fsr-3193	409	14	-	-	PUNCT
fsr-3193	409	15	being	be	AUX
fsr-3193	409	16	and	and	CCONJ
fsr-3193	409	17	financial	financial	ADJ
fsr-3193	409	18	satisfaction	satisfaction	NOUN
fsr-3193	409	19	.	.	PUNCT
fsr-3193	410	1	journal	journal	NOUN
fsr-3193	410	2	of	of	ADP
fsr-3193	410	3	financial	financial	ADJ
fsr-3193	410	4	counseling	counseling	NOUN
fsr-3193	410	5	and	and	CCONJ
fsr-3193	410	6	planning	planning	NOUN
fsr-3193	410	7	,	,	PUNCT
fsr-3193	410	8	9	9	NUM
fsr-3193	410	9	,	,	PUNCT
fsr-3193	410	10	41	41	NUM
fsr-3193	410	11	–	–	SYM
fsr-3193	410	12	52	52	NUM
fsr-3193	410	13	.	.	PUNCT
fsr-3193	411	1	carlson	carlson	PROPN
fsr-3193	411	2	,	,	PUNCT
fsr-3193	411	3	m.	m.	PROPN
fsr-3193	411	4	b.	b.	PROPN
fsr-3193	411	5	,	,	PUNCT
fsr-3193	411	6	britt	britt	PROPN
fsr-3193	411	7	,	,	PUNCT
fsr-3193	411	8	s.	s.	PROPN
fsr-3193	411	9	l.	l.	PROPN
fsr-3193	411	10	,	,	PUNCT
fsr-3193	411	11	&	&	CCONJ
fsr-3193	411	12	goff	goff	PROPN
fsr-3193	411	13	,	,	PUNCT
fsr-3193	411	14	b.	b.	PROPN
fsr-3193	411	15	n.	n.	PROPN
fsr-3193	411	16	(	(	PUNCT
fsr-3193	411	17	2015	2015	NUM
fsr-3193	411	18	)	)	PUNCT
fsr-3193	411	19	.	.	PUNCT
fsr-3193	412	1	factors	factor	NOUN
fsr-3193	412	2	associated	associate	VERB
fsr-3193	412	3	with	with	ADP
fsr-3193	412	4	a	a	DET
fsr-3193	412	5	composite	composite	ADJ
fsr-3193	412	6	measure	measure	NOUN
fsr-3193	412	7	of	of	ADP
fsr-3193	412	8	financial	financial	ADJ
fsr-3193	412	9	behavior	behavior	NOUN
fsr-3193	412	10	among	among	ADP
fsr-3193	412	11	soldiers	soldier	NOUN
fsr-3193	412	12	.	.	PUNCT
fsr-3193	413	1	journal	journal	PROPN
fsr-3193	413	2	of	of	ADP
fsr-3193	413	3	financial	financial	ADJ
fsr-3193	413	4	counseling	counseling	NOUN
fsr-3193	413	5	and	and	CCONJ
fsr-3193	413	6	planning	planning	NOUN
fsr-3193	413	7	,	,	PUNCT
fsr-3193	413	8	26	26	NUM
fsr-3193	413	9	,	,	PUNCT
fsr-3193	413	10	30–42	30–42	NUM
fsr-3193	413	11	.	.	PUNCT
fsr-3193	414	1	https://doi.org/10.1891/	https://doi.org/10.1891/	NOUN
fsr-3193	414	2	1052	1052	NUM
fsr-3193	414	3	-	-	SYM
fsr-3193	414	4	3073.26.1.30	3073.26.1.30	NUM
fsr-3193	414	5	carlson	carlson	PROPN
fsr-3193	414	6	,	,	PUNCT
fsr-3193	414	7	m.	m.	PROPN
fsr-3193	414	8	b.	b.	PROPN
fsr-3193	414	9	,	,	PUNCT
fsr-3193	414	10	nelson	nelson	PROPN
fsr-3193	414	11	,	,	PUNCT
fsr-3193	414	12	j.	j.	PROPN
fsr-3193	414	13	s.	s.	PROPN
fsr-3193	414	14	,	,	PUNCT
fsr-3193	414	15	&	&	CCONJ
fsr-3193	414	16	skimmyhorn	skimmyhorn	PROPN
fsr-3193	414	17	,	,	PUNCT
fsr-3193	414	18	w.	w.	PROPN
fsr-3193	414	19	l.	l.	PROPN
fsr-3193	414	20	(	(	PUNCT
fsr-3193	414	21	2015	2015	NUM
fsr-3193	414	22	)	)	PUNCT
fsr-3193	414	23	.	.	PUNCT
fsr-3193	415	1	military	military	ADJ
fsr-3193	415	2	personal	personal	ADJ
fsr-3193	415	3	finance	finance	NOUN
fsr-3193	415	4	research	research	NOUN
fsr-3193	415	5	.	.	PUNCT
fsr-3193	416	1	in	in	ADP
fsr-3193	416	2	j.	j.	PROPN
fsr-3193	416	3	j.	j.	PROPN
fsr-3193	416	4	xiao	xiao	PROPN
fsr-3193	416	5	(	(	PUNCT
fsr-3193	416	6	ed	ed	NOUN
fsr-3193	416	7	.	.	PUNCT
fsr-3193	416	8	)	)	PUNCT
fsr-3193	416	9	,	,	PUNCT
fsr-3193	416	10	handbook	handbook	NOUN
fsr-3193	416	11	of	of	ADP
fsr-3193	416	12	consumer	consumer	NOUN
fsr-3193	416	13	finance	finance	NOUN
fsr-3193	416	14	research	research	NOUN
fsr-3193	416	15	(	(	PUNCT
fsr-3193	416	16	pp	pp	ADJ
fsr-3193	416	17	.	.	PUNCT
fsr-3193	416	18	251–264	251–264	NUM
fsr-3193	416	19	)	)	PUNCT
fsr-3193	416	20	.	.	PUNCT
fsr-3193	417	1	northampton	northampton	PROPN
fsr-3193	417	2	,	,	PUNCT
fsr-3193	417	3	ma	ma	PROPN
fsr-3193	417	4	:	:	PUNCT
fsr-3193	417	5	springer	springer	NOUN
fsr-3193	417	6	.	.	PUNCT
fsr-3193	418	1	consumer	consumer	NOUN
fsr-3193	418	2	financial	financial	PROPN
fsr-3193	418	3	protection	protection	PROPN
fsr-3193	418	4	bureau	bureau	PROPN
fsr-3193	418	5	.	.	PUNCT
fsr-3193	419	1	(	(	PUNCT
fsr-3193	419	2	2019	2019	NUM
fsr-3193	419	3	)	)	PUNCT
fsr-3193	419	4	.	.	PUNCT
fsr-3193	420	1	financial	financial	ADJ
fsr-3193	420	2	well	well	ADV
fsr-3193	420	3	-	-	PUNCT
fsr-3193	420	4	being	being	NOUN
fsr-3193	420	5	of	of	ADP
fsr-3193	420	6	veterans	veteran	NOUN
fsr-3193	420	7	.	.	PUNCT
fsr-3193	421	1	washington	washington	PROPN
fsr-3193	421	2	,	,	PUNCT
fsr-3193	421	3	dc	dc	PROPN
fsr-3193	421	4	.	.	PROPN
fsr-3193	421	5	available	available	ADJ
fsr-3193	421	6	at	at	ADP
fsr-3193	421	7	https://files.consumerfinance.gov/f/documents/cfpb_osa_financial-well-being-americans_report.pdf	https://files.consumerfinance.gov/f/documents/cfpb_osa_financial-well-being-americans_report.pdf	NUM
fsr-3193	421	8	.	.	PUNCT
fsr-3193	422	1	defense	defense	NOUN
fsr-3193	422	2	manpower	manpower	PROPN
fsr-3193	422	3	data	datum	NOUN
fsr-3193	422	4	center	center	NOUN
fsr-3193	422	5	.	.	PUNCT
fsr-3193	423	1	(	(	PUNCT
fsr-3193	423	2	2016	2016	NUM
fsr-3193	423	3	)	)	PUNCT
fsr-3193	423	4	.	.	PUNCT
fsr-3193	424	1	status	status	NOUN
fsr-3193	424	2	of	of	ADP
fsr-3193	424	3	forces	force	NOUN
fsr-3193	424	4	surveys	survey	NOUN
fsr-3193	424	5	of	of	ADP
fsr-3193	424	6	active	active	ADJ
fsr-3193	424	7	duty	duty	NOUN
fsr-3193	424	8	members	member	NOUN
fsr-3193	424	9	(	(	PUNCT
fsr-3193	424	10	2013	2013	NUM
fsr-3193	424	11	&	&	CCONJ
fsr-3193	424	12	2014	2014	NUM
fsr-3193	424	13	sofs	sofs	PROPN
fsr-3193	424	14	-	-	PUNCT
fsr-3193	424	15	a	a	NOUN
fsr-3193	424	16	):	):	PUNCT
fsr-3193	424	17	briefing	briefing	NOUN
fsr-3193	424	18	on	on	ADP
fsr-3193	424	19	leading	lead	VERB
fsr-3193	424	20	indicators	indicator	NOUN
fsr-3193	424	21	,	,	PUNCT
fsr-3193	424	22	military	military	PROPN
fsr-3193	424	23	onesource	onesource	PROPN
fsr-3193	424	24	,	,	PUNCT
fsr-3193	424	25	financial	financial	ADJ
fsr-3193	424	26	health	health	NOUN
fsr-3193	424	27	,	,	PUNCT
fsr-3193	424	28	family	family	NOUN
fsr-3193	424	29	life	life	NOUN
fsr-3193	424	30	,	,	PUNCT
fsr-3193	424	31	access	access	NOUN
fsr-3193	424	32	to	to	ADP
fsr-3193	424	33	technology	technology	NOUN
fsr-3193	424	34	,	,	PUNCT
fsr-3193	424	35	impact	impact	NOUN
fsr-3193	424	36	of	of	ADP
fsr-3193	424	37	deployments	deployment	NOUN
fsr-3193	424	38	,	,	PUNCT
fsr-3193	424	39	and	and	CCONJ
fsr-3193	424	40	permanent	permanent	ADJ
fsr-3193	424	41	change	change	NOUN
fsr-3193	424	42	of	of	ADP
fsr-3193	424	43	station	station	NOUN
fsr-3193	424	44	(	(	PUNCT
fsr-3193	424	45	pcs	pc	NOUN
fsr-3193	424	46	)	)	PUNCT
fsr-3193	424	47	moves	move	NOUN
fsr-3193	424	48	.	.	PUNCT
fsr-3193	425	1	seaside	seaside	NOUN
fsr-3193	425	2	,	,	PUNCT
fsr-3193	425	3	ca	ca	NOUN
fsr-3193	425	4	.	.	PUNCT
fsr-3193	425	5	available	available	ADJ
fsr-3193	425	6	at	at	ADP
fsr-3193	425	7	https://download	https://download	PROPN
fsr-3193	425	8	.	.	PUNCT
fsr-3193	426	1	militaryonesource.mil/12038/mos/reports/sofs-a_briefing_20160311.pdf	militaryonesource.mil/12038/mos/reports/sofs-a_briefing_20160311.pdf	NOUN
fsr-3193	426	2	delavande	delavande	NOUN
fsr-3193	426	3	,	,	PUNCT
fsr-3193	426	4	a.	a.	NOUN
fsr-3193	426	5	,	,	PUNCT
fsr-3193	426	6	rohwedder	rohwedder	NOUN
fsr-3193	426	7	,	,	PUNCT
fsr-3193	426	8	s.	s.	PROPN
fsr-3193	426	9	,	,	PUNCT
fsr-3193	426	10	&	&	CCONJ
fsr-3193	426	11	willis	willis	PROPN
fsr-3193	426	12	,	,	PUNCT
fsr-3193	426	13	r.	r.	PROPN
fsr-3193	426	14	(	(	PUNCT
fsr-3193	426	15	2008	2008	NUM
fsr-3193	426	16	)	)	PUNCT
fsr-3193	426	17	.	.	PUNCT
fsr-3193	427	1	preparation	preparation	NOUN
fsr-3193	427	2	for	for	ADP
fsr-3193	427	3	retirement	retirement	NOUN
fsr-3193	427	4	,	,	PUNCT
fsr-3193	427	5	financial	financial	ADJ
fsr-3193	427	6	literacy	literacy	NOUN
fsr-3193	427	7	and	and	CCONJ
fsr-3193	427	8	cognitive	cognitive	ADJ
fsr-3193	427	9	resources	resource	NOUN
fsr-3193	427	10	.	.	PUNCT
fsr-3193	428	1	working	work	VERB
fsr-3193	428	2	paper	paper	NOUN
fsr-3193	428	3	2008	2008	NUM
fsr-3193	428	4	-	-	SYM
fsr-3193	428	5	190	190	NUM
fsr-3193	428	6	.	.	PUNCT
fsr-3193	428	7	available	available	ADJ
fsr-3193	428	8	at	at	ADP
fsr-3193	428	9	http://www.nber.org/papers/w15266.pdf	http://www.nber.org/papers/w15266.pdf	PROPN
fsr-3193	428	10	fernandes	fernandes	PROPN
fsr-3193	428	11	,	,	PUNCT
fsr-3193	428	12	d.	d.	PROPN
fsr-3193	428	13	,	,	PUNCT
fsr-3193	428	14	lynch	lynch	PROPN
fsr-3193	428	15	,	,	PUNCT
fsr-3193	428	16	j.	j.	PROPN
fsr-3193	428	17	g.	g.	PROPN
fsr-3193	428	18	,	,	PUNCT
fsr-3193	428	19	jr	jr	PROPN
fsr-3193	428	20	.	.	PROPN
fsr-3193	428	21	,	,	PUNCT
fsr-3193	428	22	&	&	CCONJ
fsr-3193	428	23	netemeyer	netemeyer	PROPN
fsr-3193	428	24	,	,	PUNCT
fsr-3193	428	25	r.	r.	PROPN
fsr-3193	428	26	g.	g.	PROPN
fsr-3193	428	27	(	(	PUNCT
fsr-3193	428	28	2014	2014	NUM
fsr-3193	428	29	)	)	PUNCT
fsr-3193	428	30	.	.	PUNCT
fsr-3193	429	1	financial	financial	ADJ
fsr-3193	429	2	literacy	literacy	NOUN
fsr-3193	429	3	,	,	PUNCT
fsr-3193	429	4	financial	financial	ADJ
fsr-3193	429	5	education	education	NOUN
fsr-3193	429	6	,	,	PUNCT
fsr-3193	429	7	and	and	CCONJ
fsr-3193	429	8	downstream	downstream	ADJ
fsr-3193	429	9	financial	financial	ADJ
fsr-3193	429	10	behaviors.management	behaviors.management	NOUN
fsr-3193	429	11	science	science	NOUN
fsr-3193	429	12	,	,	PUNCT
fsr-3193	429	13	60	60	NUM
fsr-3193	429	14	,	,	PUNCT
fsr-3193	429	15	1861–1883	1861–1883	NUM
fsr-3193	429	16	.	.	PUNCT
fsr-3193	430	1	https://doi.org/10.1287/mnsc.2013.1849	https://doi.org/10.1287/mnsc.2013.1849	PROPN
fsr-3193	430	2	finra	finra	PROPN
fsr-3193	430	3	ief	ief	PROPN
fsr-3193	430	4	.	.	PUNCT
fsr-3193	431	1	(	(	PUNCT
fsr-3193	431	2	2019	2019	NUM
fsr-3193	431	3	)	)	PUNCT
fsr-3193	431	4	.	.	PUNCT
fsr-3193	432	1	the	the	DET
fsr-3193	432	2	state	state	NOUN
fsr-3193	432	3	of	of	ADP
fsr-3193	432	4	u.s	u.s	PROPN
fsr-3193	432	5	.	.	PROPN
fsr-3193	432	6	financial	financial	ADJ
fsr-3193	432	7	capability	capability	NOUN
fsr-3193	432	8	:	:	PUNCT
fsr-3193	432	9	the	the	DET
fsr-3193	432	10	2018	2018	NUM
fsr-3193	432	11	national	national	ADJ
fsr-3193	432	12	financial	financial	ADJ
fsr-3193	432	13	capability	capability	NOUN
fsr-3193	432	14	study	study	NOUN
fsr-3193	432	15	.	.	PUNCT
fsr-3193	433	1	washington	washington	PROPN
fsr-3193	433	2	,	,	PUNCT
fsr-3193	433	3	dc	dc	PROPN
fsr-3193	433	4	.	.	PROPN
fsr-3193	433	5	available	available	ADJ
fsr-3193	433	6	at	at	ADP
fsr-3193	433	7	https://www.usfinancialcapability.org/downloads/nfcs_2018_report_natl	https://www.usfinancialcapability.org/downloads/nfcs_2018_report_natl	PROPN
fsr-3193	433	8	_	_	X
fsr-3193	433	9	findings.pdf	findings.pdf	PROPN
fsr-3193	433	10	finra	finra	PROPN
fsr-3193	433	11	ief	ief	PROPN
fsr-3193	433	12	.	.	PUNCT
fsr-3193	434	1	(	(	PUNCT
fsr-3193	434	2	2016	2016	NUM
fsr-3193	434	3	)	)	PUNCT
fsr-3193	434	4	.	.	PUNCT
fsr-3193	435	1	financial	financial	ADJ
fsr-3193	435	2	capability	capability	NOUN
fsr-3193	435	3	in	in	ADP
fsr-3193	435	4	the	the	DET
fsr-3193	435	5	united	united	PROPN
fsr-3193	435	6	states	states	PROPN
fsr-3193	435	7	2016	2016	NUM
fsr-3193	435	8	.	.	PUNCT
fsr-3193	436	1	washington	washington	PROPN
fsr-3193	436	2	,	,	PUNCT
fsr-3193	436	3	dc	dc	PROPN
fsr-3193	436	4	.	.	PROPN
fsr-3193	436	5	available	available	ADJ
fsr-3193	436	6	at	at	ADP
fsr-3193	436	7	http://www	http://www	PROPN
fsr-3193	436	8	.	.	PUNCT
fsr-3193	437	1	usfinancialcapability.org/downloads/nfcs	usfinancialcapability.org/downloads/nfcs	ADP
fsr-3193	437	2	_	_	NOUN
fsr-3193	437	3	2015	2015	NUM
fsr-3193	437	4	_	_	PUNCT
fsr-3193	438	1	report_natl_findings.pdf	report_natl_findings.pdf	PROPN
fsr-3193	438	2	finra	finra	PROPN
fsr-3193	438	3	ief	ief	PROPN
fsr-3193	438	4	.	.	PUNCT
fsr-3193	438	5	(	(	PUNCT
fsr-3193	438	6	2013a	2013a	NUM
fsr-3193	438	7	)	)	PUNCT
fsr-3193	438	8	.	.	PUNCT
fsr-3193	439	1	financial	financial	ADJ
fsr-3193	439	2	capability	capability	NOUN
fsr-3193	439	3	in	in	ADP
fsr-3193	439	4	the	the	DET
fsr-3193	439	5	united	united	PROPN
fsr-3193	439	6	states	states	PROPN
fsr-3193	439	7	:	:	PUNCT
fsr-3193	439	8	2012	2012	NUM
fsr-3193	439	9	report	report	NOUN
fsr-3193	439	10	of	of	ADP
fsr-3193	439	11	military	military	ADJ
fsr-3193	439	12	findings	finding	NOUN
fsr-3193	439	13	.	.	PUNCT
fsr-3193	440	1	washington	washington	PROPN
fsr-3193	440	2	,	,	PUNCT
fsr-3193	440	3	dc	dc	PROPN
fsr-3193	440	4	.	.	PROPN
fsr-3193	440	5	available	available	ADJ
fsr-3193	440	6	at	at	ADP
fsr-3193	440	7	http://www.usfinancialcapability.org/downloads/nfcs_2012_report_military_findings.pdf	http://www.usfinancialcapability.org/downloads/nfcs_2012_report_military_findings.pdf	PROPN
fsr-3193	440	8	finra	finra	PROPN
fsr-3193	440	9	ief	ief	PROPN
fsr-3193	440	10	.	.	PUNCT
fsr-3193	440	11	(	(	PUNCT
fsr-3193	440	12	2013b	2013b	NUM
fsr-3193	440	13	)	)	PUNCT
fsr-3193	440	14	.	.	PUNCT
fsr-3193	441	1	financial	financial	ADJ
fsr-3193	441	2	capability	capability	NOUN
fsr-3193	441	3	in	in	ADP
fsr-3193	441	4	the	the	DET
fsr-3193	441	5	united	united	PROPN
fsr-3193	441	6	states	states	PROPN
fsr-3193	441	7	:	:	PUNCT
fsr-3193	441	8	report	report	NOUN
fsr-3193	441	9	of	of	ADP
fsr-3193	441	10	findings	finding	NOUN
fsr-3193	441	11	from	from	ADP
fsr-3193	441	12	the	the	DET
fsr-3193	441	13	2012	2012	NUM
fsr-3193	441	14	national	national	ADJ
fsr-3193	441	15	financial	financial	ADJ
fsr-3193	441	16	capability	capability	NOUN
fsr-3193	441	17	study	study	NOUN
fsr-3193	441	18	.	.	PUNCT
fsr-3193	442	1	washington	washington	PROPN
fsr-3193	442	2	,	,	PUNCT
fsr-3193	442	3	dc	dc	PROPN
fsr-3193	442	4	.	.	PROPN
fsr-3193	442	5	available	available	ADJ
fsr-3193	442	6	at	at	ADP
fsr-3193	442	7	http://www.usfinancialcapability.org/downloads/	http://www.usfinancialcapability.org/downloads/	X
fsr-3193	442	8	nfcs_2012_report	nfcs_2012_report	NOUN
fsr-3193	442	9	_	_	PUNCT
fsr-3193	442	10	natl	natl	PROPN
fsr-3193	442	11	_	_	PUNCT
fsr-3193	442	12	findings.pdf	findings.pdf	PROPN
fsr-3193	442	13	gale	gale	PROPN
fsr-3193	442	14	,	,	PUNCT
fsr-3193	442	15	w.	w.	PROPN
fsr-3193	442	16	g.	g.	PROPN
fsr-3193	442	17	,	,	PUNCT
fsr-3193	442	18	&	&	CCONJ
fsr-3193	442	19	levine	levine	PROPN
fsr-3193	442	20	,	,	PUNCT
fsr-3193	442	21	r.	r.	PROPN
fsr-3193	442	22	(	(	PUNCT
fsr-3193	442	23	2010	2010	NUM
fsr-3193	442	24	)	)	PUNCT
fsr-3193	442	25	.	.	PUNCT
fsr-3193	443	1	financial	financial	ADJ
fsr-3193	443	2	literacy	literacy	NOUN
fsr-3193	443	3	:	:	PUNCT
fsr-3193	443	4	what	what	PRON
fsr-3193	443	5	works	work	VERB
fsr-3193	443	6	?	?	PUNCT
fsr-3193	444	1	how	how	SCONJ
fsr-3193	444	2	could	could	AUX
fsr-3193	444	3	it	it	PRON
fsr-3193	444	4	be	be	AUX
fsr-3193	444	5	more	more	ADV
fsr-3193	444	6	effective	effective	ADJ
fsr-3193	444	7	?	?	PUNCT
fsr-3193	444	8	available	available	ADJ
fsr-3193	444	9	at	at	ADP
fsr-3193	444	10	ssrn	ssrn	PROPN
fsr-3193	444	11	:	:	PUNCT
fsr-3193	444	12	https://dx.doi.org/10.2139/ssrn.1758910	https://dx.doi.org/10.2139/ssrn.1758910	NOUN
fsr-3193	444	13	garman	garman	PROPN
fsr-3193	444	14	,	,	PUNCT
fsr-3193	444	15	e.	e.	PROPN
fsr-3193	444	16	t.	t.	PROPN
fsr-3193	444	17	,	,	PUNCT
fsr-3193	444	18	&	&	CCONJ
fsr-3193	444	19	forgue	forgue	PROPN
fsr-3193	444	20	,	,	PUNCT
fsr-3193	444	21	r.	r.	PROPN
fsr-3193	444	22	e.	e.	PROPN
fsr-3193	444	23	(	(	PUNCT
fsr-3193	444	24	2012	2012	NUM
fsr-3193	444	25	)	)	PUNCT
fsr-3193	444	26	.	.	PUNCT
fsr-3193	445	1	personal	personal	ADJ
fsr-3193	445	2	finance	finance	NOUN
fsr-3193	445	3	(	(	PUNCT
fsr-3193	445	4	11th	11th	ADJ
fsr-3193	445	5	ed	ed	NOUN
fsr-3193	445	6	.	.	PUNCT
fsr-3193	445	7	)	)	PUNCT
fsr-3193	445	8	.	.	PUNCT
fsr-3193	446	1	mason	mason	PROPN
fsr-3193	446	2	,	,	PUNCT
fsr-3193	446	3	oh	oh	INTJ
fsr-3193	446	4	:	:	PUNCT
fsr-3193	446	5	south	south	ADJ
fsr-3193	446	6	-	-	PUNCT
fsr-3193	446	7	western	western	PROPN
fsr-3193	446	8	cengage	cengage	PROPN
fsr-3193	446	9	learning	learning	PROPN
fsr-3193	446	10	.	.	PUNCT
fsr-3193	447	1	goetting	goetting	NOUN
fsr-3193	447	2	,	,	PUNCT
fsr-3193	447	3	m.	m.	NOUN
fsr-3193	447	4	a.	a.	PROPN
fsr-3193	447	5	,	,	PUNCT
fsr-3193	447	6	&	&	CCONJ
fsr-3193	447	7	martin	martin	PROPN
fsr-3193	447	8	,	,	PUNCT
fsr-3193	447	9	p.	p.	NOUN
fsr-3193	447	10	(	(	PUNCT
fsr-3193	447	11	2001	2001	NUM
fsr-3193	447	12	)	)	PUNCT
fsr-3193	447	13	.	.	PUNCT
fsr-3193	448	1	characteristics	characteristic	NOUN
fsr-3193	448	2	of	of	ADP
fsr-3193	448	3	older	old	ADJ
fsr-3193	448	4	adults	adult	NOUN
fsr-3193	448	5	with	with	ADP
fsr-3193	448	6	written	write	VERB
fsr-3193	448	7	wills	will	NOUN
fsr-3193	448	8	.	.	PUNCT
fsr-3193	449	1	journal	journal	NOUN
fsr-3193	449	2	of	of	ADP
fsr-3193	449	3	family	family	NOUN
fsr-3193	449	4	and	and	CCONJ
fsr-3193	449	5	economic	economic	ADJ
fsr-3193	449	6	issues	issue	NOUN
fsr-3193	449	7	,	,	PUNCT
fsr-3193	449	8	22	22	NUM
fsr-3193	449	9	,	,	PUNCT
fsr-3193	449	10	243–264	243–264	NUM
fsr-3193	449	11	.	.	PUNCT
fsr-3193	450	1	https://doi.org/10.1023/a:1016699822855	https://doi.org/10.1023/a:1016699822855	PROPN
fsr-3193	450	2	52	52	NUM
fsr-3193	450	3	m.	m.	NOUN
fsr-3193	450	4	j.	j.	PROPN
fsr-3193	450	5	wilmarth	wilmarth	PROPN
fsr-3193	450	6	et	et	PROPN
fsr-3193	450	7	al	al	PROPN
fsr-3193	450	8	.	.	PUNCT
fsr-3193	450	9	/	/	SYM
fsr-3193	450	10	financial	financial	ADJ
fsr-3193	450	11	services	service	NOUN
fsr-3193	450	12	review	review	VERB
fsr-3193	450	13	31	31	NUM
fsr-3193	450	14	(	(	PUNCT
fsr-3193	450	15	2023	2023	NUM
fsr-3193	450	16	)	)	PUNCT
fsr-3193	450	17	35–54	35–54	NUM
fsr-3193	450	18	griffith	griffith	PROPN
fsr-3193	450	19	,	,	PUNCT
fsr-3193	450	20	j.	j.	PROPN
fsr-3193	450	21	(	(	PUNCT
fsr-3193	450	22	2015	2015	NUM
fsr-3193	450	23	)	)	PUNCT
fsr-3193	450	24	.	.	PUNCT
fsr-3193	451	1	homecoming	homecoming	NOUN
fsr-3193	451	2	of	of	ADP
fsr-3193	451	3	soldiers	soldier	NOUN
fsr-3193	451	4	who	who	PRON
fsr-3193	451	5	are	be	AUX
fsr-3193	451	6	citizens	citizen	NOUN
fsr-3193	451	7	:	:	PUNCT
fsr-3193	451	8	re	re	NOUN
fsr-3193	451	9	-	-	NOUN
fsr-3193	451	10	employment	employment	ADJ
fsr-3193	451	11	and	and	CCONJ
fsr-3193	451	12	financial	financial	ADJ
fsr-3193	451	13	status	status	NOUN
fsr-3193	451	14	of	of	ADP
fsr-3193	451	15	returning	return	VERB
fsr-3193	451	16	army	army	PROPN
fsr-3193	451	17	national	national	PROPN
fsr-3193	451	18	guard	guard	PROPN
fsr-3193	451	19	soldiers	soldier	NOUN
fsr-3193	451	20	from	from	ADP
fsr-3193	451	21	operations	operation	NOUN
fsr-3193	451	22	iraqi	iraqi	ADJ
fsr-3193	451	23	freedom	freedom	NOUN
fsr-3193	451	24	(	(	PUNCT
fsr-3193	451	25	oif	oif	NOUN
fsr-3193	451	26	)	)	PUNCT
fsr-3193	451	27	and	and	CCONJ
fsr-3193	451	28	enduring	endure	VERB
fsr-3193	451	29	freedom	freedom	NOUN
fsr-3193	451	30	(	(	PUNCT
fsr-3193	451	31	oef	oef	PROPN
fsr-3193	451	32	)	)	PUNCT
fsr-3193	451	33	.	.	PUNCT
fsr-3193	452	1	work	work	NOUN
fsr-3193	452	2	(	(	PUNCT
fsr-3193	452	3	reading	reading	NOUN
fsr-3193	452	4	,	,	PUNCT
fsr-3193	452	5	mass	mass	PROPN
fsr-3193	452	6	.	.	PUNCT
fsr-3193	452	7	)	)	PUNCT
fsr-3193	452	8	,	,	PUNCT
fsr-3193	452	9	50	50	NUM
fsr-3193	452	10	,	,	PUNCT
fsr-3193	452	11	85–96	85–96	NUM
fsr-3193	452	12	.	.	PUNCT
fsr-3193	453	1	https://doi.org/10.3233/wor-131794	https://doi.org/10.3233/wor-131794	NUM
fsr-3193	453	2	hadar	hadar	PROPN
fsr-3193	453	3	,	,	PUNCT
fsr-3193	453	4	l.	l.	PROPN
fsr-3193	453	5	,	,	PUNCT
fsr-3193	453	6	sood	sood	PROPN
fsr-3193	453	7	,	,	PUNCT
fsr-3193	453	8	s.	s.	PROPN
fsr-3193	453	9	,	,	PUNCT
fsr-3193	453	10	&	&	CCONJ
fsr-3193	453	11	fox	fox	PROPN
fsr-3193	453	12	,	,	PUNCT
fsr-3193	453	13	c.	c.	PROPN
fsr-3193	453	14	r.	r.	PROPN
fsr-3193	453	15	(	(	PUNCT
fsr-3193	453	16	2013	2013	NUM
fsr-3193	453	17	)	)	PUNCT
fsr-3193	453	18	.	.	PUNCT
fsr-3193	454	1	subjective	subjective	ADJ
fsr-3193	454	2	knowledge	knowledge	NOUN
fsr-3193	454	3	in	in	ADP
fsr-3193	454	4	consumer	consumer	NOUN
fsr-3193	454	5	financial	financial	ADJ
fsr-3193	454	6	decisions	decision	NOUN
fsr-3193	454	7	.	.	PUNCT
fsr-3193	455	1	journal	journal	NOUN
fsr-3193	455	2	of	of	ADP
fsr-3193	455	3	marketing	marketing	NOUN
fsr-3193	455	4	research	research	NOUN
fsr-3193	455	5	,	,	PUNCT
fsr-3193	455	6	50	50	NUM
fsr-3193	455	7	,	,	PUNCT
fsr-3193	455	8	303–316	303–316	NUM
fsr-3193	455	9	.	.	PUNCT
fsr-3193	455	10	https://doi.org/10.1509/jmr.10.0518	https://doi.org/10.1509/jmr.10.0518	PROPN
fsr-3193	455	11	harrison	harrison	PROPN
fsr-3193	455	12	,	,	PUNCT
fsr-3193	455	13	j.	j.	PROPN
fsr-3193	455	14	p.	p.	PROPN
fsr-3193	455	15	,	,	PUNCT
fsr-3193	455	16	satterwhite	satterwhite	PROPN
fsr-3193	455	17	,	,	PUNCT
fsr-3193	455	18	l.	l.	PROPN
fsr-3193	455	19	f.	f.	PROPN
fsr-3193	455	20	,	,	PUNCT
fsr-3193	455	21	&	&	CCONJ
fsr-3193	455	22	ruday	ruday	PROPN
fsr-3193	455	23	,	,	PUNCT
fsr-3193	455	24	w.	w.	PROPN
fsr-3193	455	25	(	(	PUNCT
fsr-3193	455	26	2010	2010	NUM
fsr-3193	455	27	)	)	PUNCT
fsr-3193	455	28	.	.	PUNCT
fsr-3193	456	1	the	the	DET
fsr-3193	456	2	financial	financial	ADJ
fsr-3193	456	3	impact	impact	NOUN
fsr-3193	456	4	of	of	ADP
fsr-3193	456	5	post	post	ADJ
fsr-3193	456	6	traumatic	traumatic	ADJ
fsr-3193	456	7	stress	stress	NOUN
fsr-3193	456	8	disorder	disorder	NOUN
fsr-3193	456	9	on	on	ADP
fsr-3193	456	10	returning	return	VERB
fsr-3193	456	11	us	we	PRON
fsr-3193	456	12	military	military	ADJ
fsr-3193	456	13	personnel	personnel	NOUN
fsr-3193	456	14	.	.	PUNCT
fsr-3193	457	1	journal	journal	PROPN
fsr-3193	457	2	of	of	ADP
fsr-3193	457	3	health	health	PROPN
fsr-3193	457	4	care	care	NOUN
fsr-3193	457	5	finance	finance	NOUN
fsr-3193	457	6	,	,	PUNCT
fsr-3193	457	7	36	36	NUM
fsr-3193	457	8	,	,	PUNCT
fsr-3193	457	9	65–74	65–74	NUM
fsr-3193	457	10	.	.	PUNCT
fsr-3193	457	11	henager	henager	PROPN
fsr-3193	457	12	,	,	PUNCT
fsr-3193	457	13	r.	r.	PROPN
fsr-3193	457	14	,	,	PUNCT
fsr-3193	457	15	&	&	CCONJ
fsr-3193	457	16	cude	cude	PROPN
fsr-3193	457	17	,	,	PUNCT
fsr-3193	457	18	b.	b.	PROPN
fsr-3193	457	19	j.	j.	PROPN
fsr-3193	457	20	(	(	PUNCT
fsr-3193	457	21	2016	2016	NUM
fsr-3193	457	22	)	)	PUNCT
fsr-3193	457	23	.	.	PUNCT
fsr-3193	458	1	financial	financial	ADJ
fsr-3193	458	2	literacy	literacy	NOUN
fsr-3193	458	3	and	and	CCONJ
fsr-3193	458	4	longand	longand	NOUN
fsr-3193	458	5	short	short	ADJ
fsr-3193	458	6	-	-	PUNCT
fsr-3193	458	7	term	term	NOUN
fsr-3193	458	8	financial	financial	ADJ
fsr-3193	458	9	behavior	behavior	NOUN
fsr-3193	458	10	in	in	ADP
fsr-3193	458	11	different	different	ADJ
fsr-3193	458	12	age	age	NOUN
fsr-3193	458	13	groups	group	NOUN
fsr-3193	458	14	.	.	PUNCT
fsr-3193	459	1	journal	journal	NOUN
fsr-3193	459	2	of	of	ADP
fsr-3193	459	3	financial	financial	ADJ
fsr-3193	459	4	counseling	counseling	NOUN
fsr-3193	459	5	and	and	CCONJ
fsr-3193	459	6	planning	planning	NOUN
fsr-3193	459	7	,	,	PUNCT
fsr-3193	459	8	27	27	NUM
fsr-3193	459	9	,	,	PUNCT
fsr-3193	459	10	3–19	3–19	NOUN
fsr-3193	459	11	.	.	PUNCT
fsr-3193	460	1	https://doi.org/10.1891/1052-3073.27.1.3	https://doi.org/10.1891/1052-3073.27.1.3	PROPN
fsr-3193	460	2	henry	henry	PROPN
fsr-3193	460	3	,	,	PUNCT
fsr-3193	460	4	r.	r.	PROPN
fsr-3193	460	5	a.	a.	PROPN
fsr-3193	460	6	,	,	PUNCT
fsr-3193	460	7	weber	weber	PROPN
fsr-3193	460	8	,	,	PUNCT
fsr-3193	460	9	j.	j.	PROPN
fsr-3193	460	10	g.	g.	PROPN
fsr-3193	460	11	,	,	PUNCT
fsr-3193	460	12	&	&	CCONJ
fsr-3193	460	13	yarbarough	yarbarough	PROPN
fsr-3193	460	14	,	,	PUNCT
fsr-3193	460	15	d.	d.	PROPN
fsr-3193	460	16	(	(	PUNCT
fsr-3193	460	17	2001	2001	NUM
fsr-3193	460	18	)	)	PUNCT
fsr-3193	460	19	.	.	PUNCT
fsr-3193	461	1	money	money	NOUN
fsr-3193	461	2	management	management	NOUN
fsr-3193	461	3	practices	practice	NOUN
fsr-3193	461	4	of	of	ADP
fsr-3193	461	5	college	college	NOUN
fsr-3193	461	6	students	student	NOUN
fsr-3193	461	7	.	.	PUNCT
fsr-3193	462	1	college	college	NOUN
fsr-3193	462	2	student	student	NOUN
fsr-3193	462	3	journal	journal	NOUN
fsr-3193	462	4	,	,	PUNCT
fsr-3193	462	5	35	35	NUM
fsr-3193	462	6	,	,	PUNCT
fsr-3193	462	7	244–249	244–249	NUM
fsr-3193	462	8	.	.	PUNCT
fsr-3193	463	1	hilgert	hilgert	PROPN
fsr-3193	463	2	,	,	PUNCT
fsr-3193	463	3	m.	m.	NOUN
fsr-3193	463	4	a.	a.	PROPN
fsr-3193	463	5	,	,	PUNCT
fsr-3193	463	6	hogarth	hogarth	NOUN
fsr-3193	463	7	,	,	PUNCT
fsr-3193	463	8	j.	j.	PROPN
fsr-3193	463	9	m.	m.	PROPN
fsr-3193	463	10	,	,	PUNCT
fsr-3193	463	11	&	&	CCONJ
fsr-3193	463	12	beverly	beverly	PROPN
fsr-3193	463	13	,	,	PUNCT
fsr-3193	463	14	s.	s.	PROPN
fsr-3193	463	15	g.	g.	PROPN
fsr-3193	463	16	(	(	PUNCT
fsr-3193	463	17	2003	2003	NUM
fsr-3193	463	18	)	)	PUNCT
fsr-3193	463	19	.	.	PUNCT
fsr-3193	464	1	household	household	NOUN
fsr-3193	464	2	financial	financial	ADJ
fsr-3193	464	3	management	management	NOUN
fsr-3193	464	4	:	:	PUNCT
fsr-3193	464	5	the	the	DET
fsr-3193	464	6	connection	connection	NOUN
fsr-3193	464	7	between	between	ADP
fsr-3193	464	8	knowledge	knowledge	NOUN
fsr-3193	464	9	and	and	CCONJ
fsr-3193	464	10	behavior	behavior	NOUN
fsr-3193	464	11	.	.	PUNCT
fsr-3193	465	1	federal	federal	PROPN
fsr-3193	465	2	reserve	reserve	PROPN
fsr-3193	465	3	bulletin	bulletin	PROPN
fsr-3193	465	4	,	,	PUNCT
fsr-3193	465	5	89	89	NUM
fsr-3193	465	6	,	,	PUNCT
fsr-3193	465	7	309–322	309–322	NUM
fsr-3193	465	8	.	.	PUNCT
fsr-3193	465	9	available	available	ADJ
fsr-3193	465	10	at	at	ADP
fsr-3193	465	11	http://www	http://www	PROPN
fsr-3193	465	12	.	.	PROPN
fsr-3193	465	13	federalreserve.gov/pubs/bulletin/2003/0703lead.pdf	federalreserve.gov/pubs/bulletin/2003/0703lead.pdf	PROPN
fsr-3193	465	14	hosek	hosek	PROPN
fsr-3193	465	15	,	,	PUNCT
fsr-3193	465	16	j.	j.	PROPN
fsr-3193	465	17	,	,	PUNCT
fsr-3193	465	18	&	&	CCONJ
fsr-3193	465	19	wadsworth	wadsworth	PROPN
fsr-3193	465	20	,	,	PUNCT
fsr-3193	465	21	s.	s.	PROPN
fsr-3193	465	22	m.	m.	PROPN
fsr-3193	465	23	(	(	PUNCT
fsr-3193	465	24	2013	2013	NUM
fsr-3193	465	25	)	)	PUNCT
fsr-3193	465	26	.	.	PUNCT
fsr-3193	466	1	economic	economic	ADJ
fsr-3193	466	2	conditions	condition	NOUN
fsr-3193	466	3	of	of	ADP
fsr-3193	466	4	military	military	ADJ
fsr-3193	466	5	families	family	NOUN
fsr-3193	466	6	.	.	PUNCT
fsr-3193	467	1	the	the	DET
fsr-3193	467	2	future	future	NOUN
fsr-3193	467	3	of	of	ADP
fsr-3193	467	4	children	child	NOUN
fsr-3193	467	5	,	,	PUNCT
fsr-3193	467	6	23	23	NUM
fsr-3193	467	7	,	,	PUNCT
fsr-3193	467	8	41–59	41–59	NOUN
fsr-3193	467	9	.	.	PUNCT
fsr-3193	468	1	https://doi.org/10.1353/foc.2013.0009	https://doi.org/10.1353/foc.2013.0009	PROPN
fsr-3193	468	2	james	james	PROPN
fsr-3193	468	3	,	,	PUNCT
fsr-3193	468	4	j.	j.	PROPN
fsr-3193	468	5	d.	d.	PROPN
fsr-3193	468	6	,	,	PUNCT
fsr-3193	468	7	boyle	boyle	PROPN
fsr-3193	468	8	,	,	PUNCT
fsr-3193	468	9	p.	p.	PROPN
fsr-3193	468	10	a.	a.	PROPN
fsr-3193	468	11	,	,	PUNCT
fsr-3193	468	12	bennett	bennett	PROPN
fsr-3193	468	13	,	,	PUNCT
fsr-3193	468	14	j.	j.	PROPN
fsr-3193	468	15	s.	s.	PROPN
fsr-3193	468	16	,	,	PUNCT
fsr-3193	468	17	&	&	CCONJ
fsr-3193	468	18	bennett	bennett	PROPN
fsr-3193	468	19	,	,	PUNCT
fsr-3193	468	20	d.	d.	PROPN
fsr-3193	468	21	a.	a.	PROPN
fsr-3193	468	22	(	(	PUNCT
fsr-3193	468	23	2012	2012	NUM
fsr-3193	468	24	)	)	PUNCT
fsr-3193	468	25	.	.	PUNCT
fsr-3193	469	1	the	the	DET
fsr-3193	469	2	impact	impact	NOUN
fsr-3193	469	3	of	of	ADP
fsr-3193	469	4	health	health	NOUN
fsr-3193	469	5	and	and	CCONJ
fsr-3193	469	6	financial	financial	ADJ
fsr-3193	469	7	literacy	literacy	NOUN
fsr-3193	469	8	on	on	ADP
fsr-3193	469	9	decision	decision	NOUN
fsr-3193	469	10	making	making	NOUN
fsr-3193	469	11	in	in	ADP
fsr-3193	469	12	community	community	NOUN
fsr-3193	469	13	-	-	PUNCT
fsr-3193	469	14	based	base	VERB
fsr-3193	469	15	older	old	ADJ
fsr-3193	469	16	adults	adult	NOUN
fsr-3193	469	17	.	.	PUNCT
fsr-3193	470	1	gerontology	gerontology	NOUN
fsr-3193	470	2	,	,	PUNCT
fsr-3193	470	3	58	58	NUM
fsr-3193	470	4	,	,	PUNCT
fsr-3193	470	5	531–539	531–539	NUM
fsr-3193	470	6	.	.	PUNCT
fsr-3193	471	1	https://doi.org/10.1159/	https://doi.org/10.1159/	NOUN
fsr-3193	471	2	000339094	000339094	NUM
fsr-3193	471	3	kaiser	kaiser	NOUN
fsr-3193	471	4	,	,	PUNCT
fsr-3193	471	5	t.	t.	PROPN
fsr-3193	471	6	,	,	PUNCT
fsr-3193	471	7	lusardi	lusardi	PROPN
fsr-3193	471	8	,	,	PUNCT
fsr-3193	471	9	a.	a.	NOUN
fsr-3193	471	10	,	,	PUNCT
fsr-3193	471	11	menkhoff	menkhoff	PROPN
fsr-3193	471	12	,	,	PUNCT
fsr-3193	471	13	l.	l.	PROPN
fsr-3193	471	14	,	,	PUNCT
fsr-3193	471	15	&	&	CCONJ
fsr-3193	471	16	urban	urban	PROPN
fsr-3193	471	17	,	,	PUNCT
fsr-3193	471	18	c.	c.	NOUN
fsr-3193	471	19	(	(	PUNCT
fsr-3193	471	20	2021	2021	NUM
fsr-3193	471	21	)	)	PUNCT
fsr-3193	471	22	.	.	PUNCT
fsr-3193	472	1	financial	financial	ADJ
fsr-3193	472	2	education	education	NOUN
fsr-3193	472	3	affects	affect	VERB
fsr-3193	472	4	financial	financial	ADJ
fsr-3193	472	5	knowledge	knowledge	NOUN
fsr-3193	472	6	and	and	CCONJ
fsr-3193	472	7	downstream	downstream	ADJ
fsr-3193	472	8	behaviors	behavior	NOUN
fsr-3193	472	9	.	.	PUNCT
fsr-3193	473	1	journal	journal	NOUN
fsr-3193	473	2	of	of	ADP
fsr-3193	473	3	financial	financial	ADJ
fsr-3193	473	4	economics	economic	NOUN
fsr-3193	473	5	,	,	PUNCT
fsr-3193	473	6	145	145	NUM
fsr-3193	473	7	,	,	PUNCT
fsr-3193	473	8	255–272	255–272	NUM
fsr-3193	473	9	.	.	PUNCT
fsr-3193	474	1	kim	kim	PROPN
fsr-3193	474	2	,	,	PUNCT
fsr-3193	474	3	k.	k.	PROPN
fsr-3193	474	4	t.	t.	PROPN
fsr-3193	474	5	,	,	PUNCT
fsr-3193	474	6	anderson	anderson	PROPN
fsr-3193	474	7	,	,	PUNCT
fsr-3193	474	8	s.	s.	PROPN
fsr-3193	474	9	,	,	PUNCT
fsr-3193	474	10	&	&	CCONJ
fsr-3193	474	11	seay	seay	ADJ
fsr-3193	474	12	,	,	PUNCT
fsr-3193	474	13	m.	m.	NOUN
fsr-3193	474	14	(	(	PUNCT
fsr-3193	474	15	2019	2019	NUM
fsr-3193	474	16	)	)	PUNCT
fsr-3193	474	17	.	.	PUNCT
fsr-3193	475	1	financial	financial	ADJ
fsr-3193	475	2	knowledge	knowledge	NOUN
fsr-3193	475	3	and	and	CCONJ
fsr-3193	475	4	short	short	ADJ
fsr-3193	475	5	-	-	PUNCT
fsr-3193	475	6	term	term	NOUN
fsr-3193	475	7	and	and	CCONJ
fsr-3193	475	8	long	long	ADJ
fsr-3193	475	9	-	-	PUNCT
fsr-3193	475	10	term	term	NOUN
fsr-3193	475	11	financial	financial	ADJ
fsr-3193	475	12	behaviors	behavior	NOUN
fsr-3193	475	13	of	of	ADP
fsr-3193	475	14	millennials	millennial	NOUN
fsr-3193	475	15	in	in	ADP
fsr-3193	475	16	the	the	DET
fsr-3193	475	17	united	united	PROPN
fsr-3193	475	18	states	states	PROPN
fsr-3193	475	19	.	.	PUNCT
fsr-3193	476	1	journal	journal	PROPN
fsr-3193	476	2	of	of	ADP
fsr-3193	476	3	family	family	NOUN
fsr-3193	476	4	and	and	CCONJ
fsr-3193	476	5	economic	economic	ADJ
fsr-3193	476	6	issues	issue	NOUN
fsr-3193	476	7	,	,	PUNCT
fsr-3193	476	8	40	40	NUM
fsr-3193	476	9	,	,	PUNCT
fsr-3193	476	10	194–208	194–208	NUM
fsr-3193	476	11	.	.	PUNCT
fsr-3193	476	12	https://doi.org/	https://doi.org/	NOUN
fsr-3193	476	13	10.1007	10.1007	NUM
fsr-3193	476	14	/	/	SYM
fsr-3193	476	15	s10834	s10834	NUM
fsr-3193	476	16	-	-	PUNCT
fsr-3193	476	17	018	018	NUM
fsr-3193	476	18	-	-	PUNCT
fsr-3193	476	19	9595	9595	NUM
fsr-3193	476	20	-	-	SYM
fsr-3193	476	21	2	2	NUM
fsr-3193	476	22	kotlikoff	kotlikoff	NOUN
fsr-3193	476	23	,	,	PUNCT
fsr-3193	476	24	l.	l.	PROPN
fsr-3193	476	25	(	(	PUNCT
fsr-3193	476	26	1988	1988	NUM
fsr-3193	476	27	)	)	PUNCT
fsr-3193	476	28	.	.	PUNCT
fsr-3193	477	1	intergenerational	intergenerational	ADJ
fsr-3193	477	2	transfers	transfer	NOUN
fsr-3193	477	3	and	and	CCONJ
fsr-3193	477	4	savings	saving	NOUN
fsr-3193	477	5	.	.	PUNCT
fsr-3193	478	1	journal	journal	PROPN
fsr-3193	478	2	of	of	ADP
fsr-3193	478	3	economic	economic	ADJ
fsr-3193	478	4	perspectives	perspective	NOUN
fsr-3193	478	5	,	,	PUNCT
fsr-3193	478	6	2	2	NUM
fsr-3193	478	7	,	,	PUNCT
fsr-3193	478	8	41–58	41–58	NUM
fsr-3193	478	9	.	.	PUNCT
fsr-3193	479	1	https://doi.org/10.1257/jep.2.2.41	https://doi.org/10.1257/jep.2.2.41	PROPN
fsr-3193	479	2	lee	lee	PROPN
fsr-3193	479	3	,	,	PUNCT
fsr-3193	479	4	s.	s.	PROPN
fsr-3193	479	5	t.	t.	PROPN
fsr-3193	479	6	,	,	PUNCT
fsr-3193	479	7	&	&	CCONJ
fsr-3193	479	8	kim	kim	PROPN
fsr-3193	479	9	,	,	PUNCT
fsr-3193	479	10	k.	k.	PROPN
fsr-3193	479	11	t.	t.	PROPN
fsr-3193	479	12	(	(	PUNCT
fsr-3193	479	13	2020	2020	NUM
fsr-3193	479	14	)	)	PUNCT
fsr-3193	479	15	.	.	PUNCT
fsr-3193	480	1	propensity	propensity	NOUN
fsr-3193	480	2	to	to	PART
fsr-3193	480	3	plan	plan	VERB
fsr-3193	480	4	,	,	PUNCT
fsr-3193	480	5	financial	financial	ADJ
fsr-3193	480	6	knowledge	knowledge	NOUN
fsr-3193	480	7	,	,	PUNCT
fsr-3193	480	8	overconfidence	overconfidence	NOUN
fsr-3193	480	9	,	,	PUNCT
fsr-3193	480	10	and	and	CCONJ
fsr-3193	480	11	credit	credit	NOUN
fsr-3193	480	12	card	card	NOUN
fsr-3193	480	13	management	management	NOUN
fsr-3193	480	14	behaviors	behavior	NOUN
fsr-3193	480	15	of	of	ADP
fsr-3193	480	16	millennials	millennial	NOUN
fsr-3193	480	17	.	.	PUNCT
fsr-3193	481	1	family	family	NOUN
fsr-3193	481	2	and	and	CCONJ
fsr-3193	481	3	consumer	consumer	NOUN
fsr-3193	481	4	sciences	sciences	PROPN
fsr-3193	481	5	research	research	NOUN
fsr-3193	481	6	journal	journal	NOUN
fsr-3193	481	7	,	,	PUNCT
fsr-3193	481	8	49	49	NUM
fsr-3193	481	9	,	,	PUNCT
fsr-3193	481	10	123–143	123–143	NUM
fsr-3193	481	11	.	.	PUNCT
fsr-3193	482	1	https://	https://	PROPN
fsr-3193	482	2	doi.org/10.1111/fcsr.12381	doi.org/10.1111/fcsr.12381	PROPN
fsr-3193	482	3	london	london	PROPN
fsr-3193	482	4	,	,	PUNCT
fsr-3193	482	5	a.	a.	PROPN
fsr-3193	482	6	s.	s.	PROPN
fsr-3193	482	7	,	,	PUNCT
fsr-3193	482	8	&	&	CCONJ
fsr-3193	482	9	heflin	heflin	PROPN
fsr-3193	482	10	,	,	PUNCT
fsr-3193	482	11	c.	c.	PROPN
fsr-3193	482	12	m.	m.	NOUN
fsr-3193	482	13	(	(	PUNCT
fsr-3193	482	14	2015	2015	NUM
fsr-3193	482	15	)	)	PUNCT
fsr-3193	482	16	.	.	PUNCT
fsr-3193	483	1	supplemental	supplemental	ADJ
fsr-3193	483	2	nutrition	nutrition	NOUN
fsr-3193	483	3	assistance	assistance	NOUN
fsr-3193	483	4	program	program	NOUN
fsr-3193	483	5	(	(	PUNCT
fsr-3193	483	6	snap	snap	VERB
fsr-3193	483	7	)	)	PUNCT
fsr-3193	483	8	use	use	NOUN
fsr-3193	483	9	among	among	ADP
fsr-3193	483	10	activeduty	activeduty	NOUN
fsr-3193	483	11	military	military	ADJ
fsr-3193	483	12	personnel	personnel	NOUN
fsr-3193	483	13	,	,	PUNCT
fsr-3193	483	14	veterans	veteran	NOUN
fsr-3193	483	15	,	,	PUNCT
fsr-3193	483	16	and	and	CCONJ
fsr-3193	483	17	reservists	reservist	NOUN
fsr-3193	483	18	.	.	PUNCT
fsr-3193	484	1	population	population	NOUN
fsr-3193	484	2	research	research	NOUN
fsr-3193	484	3	and	and	CCONJ
fsr-3193	484	4	policy	policy	NOUN
fsr-3193	484	5	review	review	NOUN
fsr-3193	484	6	,	,	PUNCT
fsr-3193	484	7	34	34	NUM
fsr-3193	484	8	,	,	PUNCT
fsr-3193	484	9	805–826	805–826	NUM
fsr-3193	484	10	.	.	PUNCT
fsr-3193	485	1	https://doi.org/10.1007/s11113-015-9373-x	https://doi.org/10.1007/s11113-015-9373-x	PROPN
fsr-3193	485	2	lusardi	lusardi	PROPN
fsr-3193	485	3	,	,	PUNCT
fsr-3193	485	4	a.	a.	NOUN
fsr-3193	485	5	(	(	PUNCT
fsr-3193	485	6	2008	2008	NUM
fsr-3193	485	7	)	)	PUNCT
fsr-3193	485	8	.	.	PUNCT
fsr-3193	486	1	household	household	NOUN
fsr-3193	486	2	saving	saving	NOUN
fsr-3193	486	3	behavior	behavior	NOUN
fsr-3193	486	4	:	:	PUNCT
fsr-3193	486	5	the	the	DET
fsr-3193	486	6	role	role	NOUN
fsr-3193	486	7	of	of	ADP
fsr-3193	486	8	financial	financial	ADJ
fsr-3193	486	9	literacy	literacy	NOUN
fsr-3193	486	10	,	,	PUNCT
fsr-3193	486	11	information	information	NOUN
fsr-3193	486	12	,	,	PUNCT
fsr-3193	486	13	and	and	CCONJ
fsr-3193	486	14	financial	financial	ADJ
fsr-3193	486	15	education	education	NOUN
fsr-3193	486	16	programs	program	NOUN
fsr-3193	486	17	(	(	PUNCT
fsr-3193	486	18	working	work	VERB
fsr-3193	486	19	paper	paper	NOUN
fsr-3193	486	20	14084	14084	NUM
fsr-3193	486	21	)	)	PUNCT
fsr-3193	486	22	.	.	PUNCT
fsr-3193	487	1	available	available	ADJ
fsr-3193	487	2	at	at	ADP
fsr-3193	487	3	http://www.nber.org/papers/w13824	http://www.nber.org/papers/w13824	PROPN
fsr-3193	487	4	lusardi	lusardi	PROPN
fsr-3193	487	5	,	,	PUNCT
fsr-3193	487	6	a.	a.	PROPN
fsr-3193	487	7	,	,	PUNCT
fsr-3193	487	8	&	&	CCONJ
fsr-3193	487	9	mitchell	mitchell	PROPN
fsr-3193	487	10	,	,	PUNCT
fsr-3193	487	11	o.	o.	PROPN
fsr-3193	487	12	s.	s.	PROPN
fsr-3193	487	13	(	(	PUNCT
fsr-3193	487	14	2007	2007	NUM
fsr-3193	487	15	)	)	PUNCT
fsr-3193	487	16	.	.	PUNCT
fsr-3193	488	1	financial	financial	ADJ
fsr-3193	488	2	literacy	literacy	NOUN
fsr-3193	488	3	and	and	CCONJ
fsr-3193	488	4	retirement	retirement	NOUN
fsr-3193	488	5	planning	planning	NOUN
fsr-3193	488	6	:	:	PUNCT
fsr-3193	488	7	new	new	ADJ
fsr-3193	488	8	evidence	evidence	NOUN
fsr-3193	488	9	from	from	ADP
fsr-3193	488	10	the	the	DET
fsr-3193	488	11	rand	rand	NOUN
fsr-3193	488	12	american	american	PROPN
fsr-3193	488	13	life	life	PROPN
fsr-3193	488	14	panel	panel	NOUN
fsr-3193	488	15	(	(	PUNCT
fsr-3193	488	16	working	work	VERB
fsr-3193	488	17	paper	paper	NOUN
fsr-3193	488	18	2007–2157	2007–2157	NUM
fsr-3193	488	19	)	)	PUNCT
fsr-3193	488	20	.	.	PUNCT
fsr-3193	489	1	available	available	ADJ
fsr-3193	489	2	at	at	ADP
fsr-3193	489	3	http://www.nber.org/papers/w17078	http://www.nber.org/papers/w17078	PROPN
fsr-3193	489	4	lusardi	lusardi	PROPN
fsr-3193	489	5	,	,	PUNCT
fsr-3193	489	6	a.	a.	PROPN
fsr-3193	489	7	,	,	PUNCT
fsr-3193	489	8	&	&	CCONJ
fsr-3193	489	9	mitchell	mitchell	PROPN
fsr-3193	489	10	,	,	PUNCT
fsr-3193	489	11	o.	o.	PROPN
fsr-3193	489	12	s.	s.	PROPN
fsr-3193	489	13	(	(	PUNCT
fsr-3193	489	14	2011	2011	NUM
fsr-3193	489	15	)	)	PUNCT
fsr-3193	489	16	.	.	PUNCT
fsr-3193	490	1	financial	financial	ADJ
fsr-3193	490	2	literacy	literacy	NOUN
fsr-3193	490	3	and	and	CCONJ
fsr-3193	490	4	planning	planning	NOUN
fsr-3193	490	5	:	:	PUNCT
fsr-3193	490	6	implications	implication	NOUN
fsr-3193	490	7	for	for	ADP
fsr-3193	490	8	retirement	retirement	NOUN
fsr-3193	490	9	wellbeing	wellbee	VERB
fsr-3193	490	10	(	(	PUNCT
fsr-3193	490	11	no	no	INTJ
fsr-3193	490	12	.	.	PUNCT
fsr-3193	490	13	w17078	w17078	NOUN
fsr-3193	490	14	)	)	PUNCT
fsr-3193	490	15	.	.	PUNCT
fsr-3193	491	1	cambridge	cambridge	PROPN
fsr-3193	491	2	,	,	PUNCT
fsr-3193	491	3	ma	ma	PROPN
fsr-3193	491	4	:	:	PUNCT
fsr-3193	491	5	national	national	PROPN
fsr-3193	491	6	bureau	bureau	PROPN
fsr-3193	491	7	of	of	ADP
fsr-3193	491	8	economic	economic	ADJ
fsr-3193	491	9	research	research	NOUN
fsr-3193	491	10	.	.	PUNCT
fsr-3193	492	1	luther	luther	PROPN
fsr-3193	492	2	,	,	PUNCT
fsr-3193	492	3	r.	r.	PROPN
fsr-3193	492	4	k.	k.	PROPN
fsr-3193	492	5	,	,	PUNCT
fsr-3193	492	6	leech	leech	NOUN
fsr-3193	492	7	,	,	PUNCT
fsr-3193	492	8	i.	i.	PROPN
fsr-3193	492	9	e.	e.	PROPN
fsr-3193	492	10	,	,	PUNCT
fsr-3193	492	11	&	&	CCONJ
fsr-3193	492	12	garman	garman	PROPN
fsr-3193	492	13	,	,	PUNCT
fsr-3193	492	14	e.	e.	PROPN
fsr-3193	492	15	t.	t.	PROPN
fsr-3193	492	16	(	(	PUNCT
fsr-3193	492	17	1998	1998	NUM
fsr-3193	492	18	)	)	PUNCT
fsr-3193	492	19	.	.	PUNCT
fsr-3193	493	1	the	the	DET
fsr-3193	493	2	employer	employer	NOUN
fsr-3193	493	3	’s	’s	PART
fsr-3193	493	4	cost	cost	NOUN
fsr-3193	493	5	for	for	ADP
fsr-3193	493	6	the	the	DET
fsr-3193	493	7	personal	personal	ADJ
fsr-3193	493	8	financial	financial	ADJ
fsr-3193	493	9	management	management	NOUN
fsr-3193	493	10	difficulties	difficulty	NOUN
fsr-3193	493	11	of	of	ADP
fsr-3193	493	12	workers	worker	NOUN
fsr-3193	493	13	:	:	PUNCT
fsr-3193	493	14	evidence	evidence	NOUN
fsr-3193	493	15	from	from	ADP
fsr-3193	493	16	the	the	DET
fsr-3193	493	17	u.s	u.s	PROPN
fsr-3193	493	18	.	.	PROPN
fsr-3193	493	19	navy	navy	PROPN
fsr-3193	493	20	.	.	PUNCT
fsr-3193	494	1	personal	personal	ADJ
fsr-3193	494	2	finances	finance	NOUN
fsr-3193	494	3	and	and	CCONJ
fsr-3193	494	4	worker	worker	NOUN
fsr-3193	494	5	productivity	productivity	NOUN
fsr-3193	494	6	,	,	PUNCT
fsr-3193	494	7	2	2	NUM
fsr-3193	494	8	,	,	PUNCT
fsr-3193	494	9	175	175	NUM
fsr-3193	494	10	–	–	PUNCT
fsr-3193	494	11	184	184	NUM
fsr-3193	494	12	.	.	PUNCT
fsr-3193	495	1	mandell	mandell	PROPN
fsr-3193	495	2	,	,	PUNCT
fsr-3193	495	3	l.	l.	PROPN
fsr-3193	495	4	(	(	PUNCT
fsr-3193	495	5	2008	2008	NUM
fsr-3193	495	6	)	)	PUNCT
fsr-3193	495	7	.	.	PUNCT
fsr-3193	496	1	the	the	DET
fsr-3193	496	2	financial	financial	ADJ
fsr-3193	496	3	literacy	literacy	NOUN
fsr-3193	496	4	of	of	ADP
fsr-3193	496	5	young	young	ADJ
fsr-3193	496	6	american	american	ADJ
fsr-3193	496	7	adults	adult	NOUN
fsr-3193	496	8	:	:	PUNCT
fsr-3193	496	9	results	result	NOUN
fsr-3193	496	10	of	of	ADP
fsr-3193	496	11	the	the	DET
fsr-3193	496	12	2008	2008	NUM
fsr-3193	496	13	national	national	PROPN
fsr-3193	496	14	jump$tart	jump$tart	PROPN
fsr-3193	496	15	coalition	coalition	NOUN
fsr-3193	496	16	survey	survey	NOUN
fsr-3193	496	17	of	of	ADP
fsr-3193	496	18	high	high	ADJ
fsr-3193	496	19	school	school	NOUN
fsr-3193	496	20	seniors	senior	NOUN
fsr-3193	496	21	and	and	CCONJ
fsr-3193	496	22	college	college	NOUN
fsr-3193	496	23	students	student	NOUN
fsr-3193	496	24	.	.	PUNCT
fsr-3193	497	1	available	available	ADJ
fsr-3193	497	2	at	at	ADP
fsr-3193	497	3	http://www.jumpstart.org/assets/	http://www.jumpstart.org/assets/	PROPN
fsr-3193	497	4	files/2008surveybook.pdf	files/2008surveybook.pdf	NOUN
fsr-3193	497	5	military.com	military.com	X
fsr-3193	497	6	.	.	PUNCT
fsr-3193	498	1	(	(	PUNCT
fsr-3193	498	2	2020	2020	NUM
fsr-3193	498	3	)	)	PUNCT
fsr-3193	498	4	.	.	PUNCT
fsr-3193	499	1	free	free	ADJ
fsr-3193	499	2	legal	legal	ADJ
fsr-3193	499	3	assistance	assistance	NOUN
fsr-3193	499	4	.	.	PUNCT
fsr-3193	500	1	available	available	ADJ
fsr-3193	500	2	at	at	ADP
fsr-3193	500	3	https://www.military.com/benefits/military-legalmatters/free-legal-assistance.html	https://www.military.com/benefits/military-legalmatters/free-legal-assistance.html	PROPN
fsr-3193	500	4	mottola	mottola	PROPN
fsr-3193	500	5	,	,	PUNCT
fsr-3193	500	6	g.	g.	PROPN
fsr-3193	500	7	r.	r.	PROPN
fsr-3193	500	8	,	,	PUNCT
fsr-3193	500	9	&	&	CCONJ
fsr-3193	500	10	kieffer	kieffer	PROPN
fsr-3193	500	11	,	,	PUNCT
fsr-3193	500	12	c.	c.	PROPN
fsr-3193	500	13	n.	n.	PROPN
fsr-3193	500	14	(	(	PUNCT
fsr-3193	500	15	2017	2017	NUM
fsr-3193	500	16	)	)	PUNCT
fsr-3193	500	17	.	.	PUNCT
fsr-3193	501	1	understanding	understanding	NOUN
fsr-3193	501	2	and	and	CCONJ
fsr-3193	501	3	using	use	VERB
fsr-3193	501	4	the	the	DET
fsr-3193	501	5	national	national	ADJ
fsr-3193	501	6	financial	financial	ADJ
fsr-3193	501	7	capability	capability	NOUN
fsr-3193	501	8	study	study	NOUN
fsr-3193	501	9	.	.	PUNCT
fsr-3193	502	1	family	family	NOUN
fsr-3193	502	2	and	and	CCONJ
fsr-3193	502	3	consumer	consumer	NOUN
fsr-3193	502	4	sciences	sciences	PROPN
fsr-3193	502	5	research	research	NOUN
fsr-3193	502	6	journal	journal	NOUN
fsr-3193	502	7	,	,	PUNCT
fsr-3193	502	8	46	46	NUM
fsr-3193	502	9	,	,	PUNCT
fsr-3193	502	10	31–39	31–39	NUM
fsr-3193	502	11	.	.	PUNCT
fsr-3193	503	1	https://doi.org/10.1111/fcsr.12227	https://doi.org/10.1111/fcsr.12227	PROPN
fsr-3193	503	2	moore	moore	PROPN
fsr-3193	503	3	,	,	PUNCT
fsr-3193	503	4	d.	d.	PROPN
fsr-3193	503	5	(	(	PUNCT
fsr-3193	503	6	2003	2003	NUM
fsr-3193	503	7	)	)	PUNCT
fsr-3193	503	8	.	.	PUNCT
fsr-3193	504	1	survey	survey	NOUN
fsr-3193	504	2	of	of	ADP
fsr-3193	504	3	financial	financial	ADJ
fsr-3193	504	4	literacy	literacy	NOUN
fsr-3193	504	5	in	in	ADP
fsr-3193	504	6	washington	washington	PROPN
fsr-3193	504	7	state	state	PROPN
fsr-3193	504	8	:	:	PUNCT
fsr-3193	504	9	knowledge	knowledge	NOUN
fsr-3193	504	10	,	,	PUNCT
fsr-3193	504	11	behavior	behavior	NOUN
fsr-3193	504	12	,	,	PUNCT
fsr-3193	504	13	attitudes	attitude	NOUN
fsr-3193	504	14	,	,	PUNCT
fsr-3193	504	15	and	and	CCONJ
fsr-3193	504	16	experiences	experience	NOUN
fsr-3193	504	17	(	(	PUNCT
fsr-3193	504	18	technical	technical	ADJ
fsr-3193	504	19	report	report	NOUN
fsr-3193	504	20	03	03	NUM
fsr-3193	504	21	-	-	SYM
fsr-3193	504	22	39	39	NUM
fsr-3193	504	23	)	)	PUNCT
fsr-3193	504	24	.	.	PUNCT
fsr-3193	505	1	available	available	ADJ
fsr-3193	505	2	at	at	ADP
fsr-3193	505	3	https://www.sesrc.wsu.edu/sesrcsite/papers/files/dfitechreport-final2-16-04.pdf	https://www.sesrc.wsu.edu/sesrcsite/papers/files/dfitechreport-final2-16-04.pdf	PROPN
fsr-3193	505	4	m.	m.	PROPN
fsr-3193	505	5	j.	j.	PROPN
fsr-3193	505	6	wilmarth	wilmarth	PROPN
fsr-3193	505	7	et	et	PROPN
fsr-3193	505	8	al	al	PROPN
fsr-3193	505	9	.	.	PUNCT
fsr-3193	505	10	/	/	SYM
fsr-3193	505	11	financial	financial	ADJ
fsr-3193	505	12	services	service	NOUN
fsr-3193	505	13	review	review	VERB
fsr-3193	505	14	31	31	NUM
fsr-3193	505	15	(	(	PUNCT
fsr-3193	505	16	2023	2023	NUM
fsr-3193	505	17	)	)	PUNCT
fsr-3193	505	18	35–54	35–54	NUM
fsr-3193	505	19	53	53	NUM
fsr-3193	505	20	olson	olson	NOUN
fsr-3193	505	21	,	,	PUNCT
fsr-3193	505	22	j.	j.	PROPN
fsr-3193	505	23	r.	r.	PROPN
fsr-3193	505	24	,	,	PUNCT
fsr-3193	505	25	welsh	welsh	PROPN
fsr-3193	505	26	,	,	PUNCT
fsr-3193	505	27	j.	j.	PROPN
fsr-3193	505	28	a.	a.	PROPN
fsr-3193	505	29	,	,	PUNCT
fsr-3193	505	30	perkins	perkins	PROPN
fsr-3193	505	31	,	,	PUNCT
fsr-3193	505	32	d.	d.	PROPN
fsr-3193	505	33	f.	f.	PROPN
fsr-3193	505	34	,	,	PUNCT
fsr-3193	505	35	&	&	CCONJ
fsr-3193	505	36	ormsby	ormsby	PROPN
fsr-3193	505	37	,	,	PUNCT
fsr-3193	505	38	l.	l.	PROPN
fsr-3193	505	39	(	(	PUNCT
fsr-3193	505	40	2018	2018	NUM
fsr-3193	505	41	)	)	PUNCT
fsr-3193	505	42	.	.	PUNCT
fsr-3193	506	1	individual	individual	ADJ
fsr-3193	506	2	,	,	PUNCT
fsr-3193	506	3	family	family	NOUN
fsr-3193	506	4	,	,	PUNCT
fsr-3193	506	5	and	and	CCONJ
fsr-3193	506	6	community	community	NOUN
fsr-3193	506	7	predictors	predictor	NOUN
fsr-3193	506	8	of	of	ADP
fsr-3193	506	9	ptsd	ptsd	PROPN
fsr-3193	506	10	symptoms	symptom	NOUN
fsr-3193	506	11	following	follow	VERB
fsr-3193	506	12	military	military	ADJ
fsr-3193	506	13	deployment	deployment	NOUN
fsr-3193	506	14	.	.	PUNCT
fsr-3193	507	1	family	family	NOUN
fsr-3193	507	2	relations	relation	NOUN
fsr-3193	507	3	,	,	PUNCT
fsr-3193	507	4	67	67	NUM
fsr-3193	507	5	,	,	PUNCT
fsr-3193	507	6	615–629	615–629	NUM
fsr-3193	507	7	.	.	PUNCT
fsr-3193	508	1	https://doi.org/10.1111/	https://doi.org/10.1111/	PROPN
fsr-3193	508	2	fare.12343	fare.12343	PROPN
fsr-3193	508	3	robb	robb	NOUN
fsr-3193	508	4	,	,	PUNCT
fsr-3193	508	5	c.	c.	PROPN
fsr-3193	508	6	a.	a.	PROPN
fsr-3193	508	7	,	,	PUNCT
fsr-3193	508	8	&	&	CCONJ
fsr-3193	508	9	woodyard	woodyard	PROPN
fsr-3193	508	10	,	,	PUNCT
fsr-3193	508	11	a.	a.	PROPN
fsr-3193	508	12	s.	s.	PROPN
fsr-3193	508	13	(	(	PUNCT
fsr-3193	508	14	2011	2011	NUM
fsr-3193	508	15	)	)	PUNCT
fsr-3193	508	16	.	.	PUNCT
fsr-3193	509	1	financial	financial	ADJ
fsr-3193	509	2	knowledge	knowledge	NOUN
fsr-3193	509	3	and	and	CCONJ
fsr-3193	509	4	best	good	ADJ
fsr-3193	509	5	practice	practice	NOUN
fsr-3193	509	6	behavior	behavior	NOUN
fsr-3193	509	7	.	.	PUNCT
fsr-3193	510	1	journal	journal	PROPN
fsr-3193	510	2	of	of	ADP
fsr-3193	510	3	financial	financial	ADJ
fsr-3193	510	4	counseling	counseling	NOUN
fsr-3193	510	5	and	and	CCONJ
fsr-3193	510	6	planning	planning	NOUN
fsr-3193	510	7	,	,	PUNCT
fsr-3193	510	8	22	22	NUM
fsr-3193	510	9	,	,	PUNCT
fsr-3193	510	10	60–70	60–70	NUM
fsr-3193	510	11	.	.	PUNCT
fsr-3193	511	1	skimmyhorn	skimmyhorn	VERB
fsr-3193	511	2	,	,	PUNCT
fsr-3193	511	3	w.	w.	PROPN
fsr-3193	511	4	l.	l.	PROPN
fsr-3193	511	5	(	(	PUNCT
fsr-3193	511	6	2016a	2016a	NUM
fsr-3193	511	7	)	)	PUNCT
fsr-3193	511	8	.	.	PUNCT
fsr-3193	512	1	assessing	assess	VERB
fsr-3193	512	2	financial	financial	ADJ
fsr-3193	512	3	education	education	NOUN
fsr-3193	512	4	:	:	PUNCT
fsr-3193	512	5	evidence	evidence	NOUN
fsr-3193	512	6	from	from	ADP
fsr-3193	512	7	boot	boot	NOUN
fsr-3193	512	8	camp	camp	NOUN
fsr-3193	512	9	.	.	PUNCT
fsr-3193	513	1	american	american	ADJ
fsr-3193	513	2	economic	economic	PROPN
fsr-3193	513	3	journal	journal	PROPN
fsr-3193	513	4	:	:	PUNCT
fsr-3193	513	5	economic	economic	ADJ
fsr-3193	513	6	policy	policy	NOUN
fsr-3193	513	7	,	,	PUNCT
fsr-3193	513	8	8	8	NUM
fsr-3193	513	9	,	,	PUNCT
fsr-3193	513	10	322–343	322–343	NUM
fsr-3193	513	11	.	.	PUNCT
fsr-3193	514	1	https://doi.org/10.1257/pol.20140283	https://doi.org/10.1257/pol.20140283	PROPN
fsr-3193	514	2	skimmyhorn	skimmyhorn	VERB
fsr-3193	514	3	,	,	PUNCT
fsr-3193	514	4	w.	w.	PROPN
fsr-3193	514	5	l.	l.	PROPN
fsr-3193	514	6	(	(	PUNCT
fsr-3193	514	7	2016b	2016b	NUM
fsr-3193	514	8	)	)	PUNCT
fsr-3193	514	9	.	.	PUNCT
fsr-3193	515	1	comparing	compare	VERB
fsr-3193	515	2	military	military	ADJ
fsr-3193	515	3	and	and	CCONJ
fsr-3193	515	4	civilian	civilian	ADJ
fsr-3193	515	5	household	household	NOUN
fsr-3193	515	6	finances	finance	NOUN
fsr-3193	515	7	:	:	PUNCT
fsr-3193	515	8	descriptive	descriptive	ADJ
fsr-3193	515	9	evidence	evidence	NOUN
fsr-3193	515	10	from	from	ADP
fsr-3193	515	11	recent	recent	ADJ
fsr-3193	515	12	surveys	survey	NOUN
fsr-3193	515	13	.	.	PUNCT
fsr-3193	516	1	journal	journal	NOUN
fsr-3193	516	2	of	of	ADP
fsr-3193	516	3	consumer	consumer	NOUN
fsr-3193	516	4	affairs	affair	NOUN
fsr-3193	516	5	,	,	PUNCT
fsr-3193	516	6	50	50	NUM
fsr-3193	516	7	,	,	PUNCT
fsr-3193	516	8	471–483	471–483	NUM
fsr-3193	516	9	.	.	PUNCT
fsr-3193	517	1	https://doi.org/10.1111/joca.12109	https://doi.org/10.1111/joca.12109	PROPN
fsr-3193	518	1	skimmyhorn	skimmyhorn	VERB
fsr-3193	518	2	,	,	PUNCT
fsr-3193	518	3	w.	w.	PROPN
fsr-3193	518	4	l.	l.	PROPN
fsr-3193	518	5	(	(	PUNCT
fsr-3193	518	6	2014	2014	NUM
fsr-3193	518	7	)	)	PUNCT
fsr-3193	518	8	.	.	PUNCT
fsr-3193	519	1	the	the	DET
fsr-3193	519	2	financial	financial	ADJ
fsr-3193	519	3	welfare	welfare	NOUN
fsr-3193	519	4	of	of	ADP
fsr-3193	519	5	military	military	ADJ
fsr-3193	519	6	households	household	NOUN
fsr-3193	519	7	:	:	PUNCT
fsr-3193	519	8	descriptive	descriptive	ADJ
fsr-3193	519	9	evidence	evidence	NOUN
fsr-3193	519	10	from	from	ADP
fsr-3193	519	11	recent	recent	ADJ
fsr-3193	519	12	surveys	survey	NOUN
fsr-3193	519	13	.	.	PUNCT
fsr-3193	520	1	available	available	ADJ
fsr-3193	520	2	at	at	ADP
fsr-3193	520	3	http://www.usma.edu/sosh/siteassets/sitepages/	http://www.usma.edu/sosh/siteassets/sitepages/	PROPN
fsr-3193	520	4	faculty	faculty	NOUN
fsr-3193	520	5	/	/	SYM
fsr-3193	520	6	publications	publication	NOUN
fsr-3193	520	7	/	/	SYM
fsr-3193	520	8	finra	finra	NOUN
fsr-3193	520	9	-	-	PUNCT
fsr-3193	520	10	paper2014.pdf	paper2014.pdf	NOUN
fsr-3193	520	11	tang	tang	PROPN
fsr-3193	520	12	,	,	PUNCT
fsr-3193	520	13	n.	n.	NOUN
fsr-3193	520	14	,	,	PUNCT
fsr-3193	520	15	&	&	CCONJ
fsr-3193	520	16	baker	baker	PROPN
fsr-3193	520	17	,	,	PUNCT
fsr-3193	520	18	a.	a.	PROPN
fsr-3193	520	19	(	(	PUNCT
fsr-3193	520	20	2016	2016	NUM
fsr-3193	520	21	)	)	PUNCT
fsr-3193	520	22	.	.	PUNCT
fsr-3193	521	1	self	self	NOUN
fsr-3193	521	2	-	-	PUNCT
fsr-3193	521	3	esteem	esteem	NOUN
fsr-3193	521	4	,	,	PUNCT
fsr-3193	521	5	financial	financial	ADJ
fsr-3193	521	6	knowledge	knowledge	NOUN
fsr-3193	521	7	and	and	CCONJ
fsr-3193	521	8	financial	financial	ADJ
fsr-3193	521	9	behavior	behavior	NOUN
fsr-3193	521	10	.	.	PUNCT
fsr-3193	522	1	journal	journal	NOUN
fsr-3193	522	2	of	of	ADP
fsr-3193	522	3	economic	economic	ADJ
fsr-3193	522	4	psychology	psychology	NOUN
fsr-3193	522	5	,	,	PUNCT
fsr-3193	522	6	54	54	NUM
fsr-3193	522	7	,	,	PUNCT
fsr-3193	522	8	164–176	164–176	NUM
fsr-3193	522	9	.	.	PUNCT
fsr-3193	523	1	https://doi.org/10.1016/j.joep.2016.04.005	https://doi.org/10.1016/j.joep.2016.04.005	NUM
fsr-3193	523	2	tang	tang	PROPN
fsr-3193	523	3	,	,	PUNCT
fsr-3193	523	4	n.	n.	NOUN
fsr-3193	523	5	,	,	PUNCT
fsr-3193	523	6	&	&	CCONJ
fsr-3193	523	7	peter	peter	PROPN
fsr-3193	523	8	,	,	PUNCT
fsr-3193	523	9	p.	p.	PROPN
fsr-3193	523	10	c.	c.	PROPN
fsr-3193	523	11	(	(	PUNCT
fsr-3193	523	12	2015	2015	NUM
fsr-3193	523	13	)	)	PUNCT
fsr-3193	523	14	.	.	PUNCT
fsr-3193	524	1	financial	financial	ADJ
fsr-3193	524	2	knowledge	knowledge	NOUN
fsr-3193	524	3	acquisition	acquisition	NOUN
fsr-3193	524	4	among	among	ADP
fsr-3193	524	5	the	the	DET
fsr-3193	524	6	young	young	NOUN
fsr-3193	524	7	:	:	PUNCT
fsr-3193	524	8	the	the	DET
fsr-3193	524	9	role	role	NOUN
fsr-3193	524	10	of	of	ADP
fsr-3193	524	11	financial	financial	ADJ
fsr-3193	524	12	education	education	NOUN
fsr-3193	524	13	,	,	PUNCT
fsr-3193	524	14	financial	financial	ADJ
fsr-3193	524	15	experience	experience	NOUN
fsr-3193	524	16	,	,	PUNCT
fsr-3193	524	17	and	and	CCONJ
fsr-3193	524	18	parents	parent	NOUN
fsr-3193	524	19	’	’	PART
fsr-3193	524	20	financial	financial	ADJ
fsr-3193	524	21	experience	experience	NOUN
fsr-3193	524	22	.	.	PUNCT
fsr-3193	525	1	financial	financial	ADJ
fsr-3193	525	2	services	service	NOUN
fsr-3193	525	3	review	review	PROPN
fsr-3193	525	4	,	,	PUNCT
fsr-3193	525	5	24	24	NUM
fsr-3193	525	6	,	,	PUNCT
fsr-3193	525	7	119	119	NUM
fsr-3193	525	8	.	.	PUNCT
fsr-3193	526	1	varcoe	varcoe	PROPN
fsr-3193	526	2	,	,	PUNCT
fsr-3193	527	1	k.	k.	PROPN
fsr-3193	527	2	p.	p.	PROPN
fsr-3193	527	3	,	,	PUNCT
fsr-3193	527	4	lees	lee	NOUN
fsr-3193	527	5	,	,	PUNCT
fsr-3193	527	6	n.	n.	PROPN
fsr-3193	527	7	b.	b.	PROPN
fsr-3193	527	8	,	,	PUNCT
fsr-3193	527	9	wright	wright	PROPN
fsr-3193	527	10	,	,	PUNCT
fsr-3193	527	11	j.	j.	PROPN
fsr-3193	527	12	,	,	PUNCT
fsr-3193	527	13	&	&	CCONJ
fsr-3193	527	14	emper	emper	ADJ
fsr-3193	527	15	,	,	PUNCT
fsr-3193	527	16	n.	n.	NOUN
fsr-3193	527	17	(	(	PUNCT
fsr-3193	527	18	2003	2003	NUM
fsr-3193	527	19	)	)	PUNCT
fsr-3193	527	20	.	.	PUNCT
fsr-3193	528	1	financial	financial	ADJ
fsr-3193	528	2	issues	issue	NOUN
fsr-3193	528	3	faced	face	VERB
fsr-3193	528	4	by	by	ADP
fsr-3193	528	5	marine	marine	ADJ
fsr-3193	528	6	corps	corps	NOUN
fsr-3193	528	7	families	family	NOUN
fsr-3193	528	8	.	.	PUNCT
fsr-3193	529	1	journal	journal	PROPN
fsr-3193	529	2	financial	financial	ADJ
fsr-3193	529	3	counseling	counseling	NOUN
fsr-3193	529	4	and	and	CCONJ
fsr-3193	529	5	planning	planning	NOUN
fsr-3193	529	6	,	,	PUNCT
fsr-3193	529	7	14	14	NUM
fsr-3193	529	8	,	,	PUNCT
fsr-3193	529	9	43–50	43–50	NUM
fsr-3193	529	10	.	.	PUNCT
fsr-3193	530	1	xiao	xiao	PROPN
fsr-3193	530	2	,	,	PUNCT
fsr-3193	530	3	j.	j.	PROPN
fsr-3193	530	4	j.	j.	PROPN
fsr-3193	530	5	(	(	PUNCT
fsr-3193	530	6	2008	2008	NUM
fsr-3193	530	7	)	)	PUNCT
fsr-3193	530	8	.	.	PUNCT
fsr-3193	531	1	applying	apply	VERB
fsr-3193	531	2	behavior	behavior	NOUN
fsr-3193	531	3	theories	theory	NOUN
fsr-3193	531	4	to	to	ADP
fsr-3193	531	5	financial	financial	ADJ
fsr-3193	531	6	behavior	behavior	NOUN
fsr-3193	531	7	.	.	PUNCT
fsr-3193	532	1	in	in	ADP
fsr-3193	532	2	j.	j.	PROPN
fsr-3193	532	3	j.	j.	PROPN
fsr-3193	532	4	xiao	xiao	PROPN
fsr-3193	532	5	(	(	PUNCT
fsr-3193	532	6	ed	ed	NOUN
fsr-3193	532	7	.	.	PUNCT
fsr-3193	532	8	)	)	PUNCT
fsr-3193	532	9	,	,	PUNCT
fsr-3193	532	10	handbook	handbook	NOUN
fsr-3193	532	11	of	of	ADP
fsr-3193	532	12	consumer	consumer	NOUN
fsr-3193	532	13	finance	finance	NOUN
fsr-3193	532	14	research	research	NOUN
fsr-3193	532	15	(	(	PUNCT
fsr-3193	532	16	pp	pp	ADJ
fsr-3193	532	17	.	.	PUNCT
fsr-3193	532	18	69–81	69–81	NUM
fsr-3193	532	19	)	)	PUNCT
fsr-3193	532	20	.	.	PUNCT
fsr-3193	533	1	new	new	PROPN
fsr-3193	533	2	york	york	PROPN
fsr-3193	533	3	,	,	PUNCT
fsr-3193	533	4	ny	ny	PROPN
fsr-3193	533	5	:	:	PUNCT
fsr-3193	533	6	springer	springer	PROPN
fsr-3193	533	7	.	.	PUNCT
fsr-3193	534	1	xiao	xiao	PROPN
fsr-3193	534	2	,	,	PUNCT
fsr-3193	534	3	j.	j.	PROPN
fsr-3193	534	4	j.	j.	PROPN
fsr-3193	534	5	,	,	PUNCT
fsr-3193	534	6	chen	chen	PROPN
fsr-3193	534	7	,	,	PUNCT
fsr-3193	534	8	c.	c.	PROPN
fsr-3193	534	9	,	,	PUNCT
fsr-3193	534	10	&	&	CCONJ
fsr-3193	534	11	sun	sun	PROPN
fsr-3193	534	12	,	,	PUNCT
fsr-3193	534	13	l.	l.	PROPN
fsr-3193	534	14	(	(	PUNCT
fsr-3193	534	15	2015	2015	NUM
fsr-3193	534	16	)	)	PUNCT
fsr-3193	534	17	.	.	PUNCT
fsr-3193	535	1	age	age	NOUN
fsr-3193	535	2	differences	difference	NOUN
fsr-3193	535	3	in	in	ADP
fsr-3193	535	4	consumer	consumer	NOUN
fsr-3193	535	5	financial	financial	ADJ
fsr-3193	535	6	capability	capability	NOUN
fsr-3193	535	7	.	.	PUNCT
fsr-3193	536	1	international	international	ADJ
fsr-3193	536	2	journal	journal	PROPN
fsr-3193	536	3	of	of	ADP
fsr-3193	536	4	consumer	consumer	NOUN
fsr-3193	536	5	studies	study	NOUN
fsr-3193	536	6	,	,	PUNCT
fsr-3193	536	7	39	39	NUM
fsr-3193	536	8	,	,	PUNCT
fsr-3193	536	9	387–395	387–395	NUM
fsr-3193	536	10	.	.	PUNCT
fsr-3193	536	11	https://doi.org/10.1111/ijcs.12205	https://doi.org/10.1111/ijcs.12205	PROPN
fsr-3193	536	12	xiao	xiao	PROPN
fsr-3193	536	13	,	,	PUNCT
fsr-3193	536	14	j.	j.	PROPN
fsr-3193	536	15	j.	j.	PROPN
fsr-3193	536	16	,	,	PUNCT
fsr-3193	536	17	serido	serido	PRON
fsr-3193	536	18	,	,	PUNCT
fsr-3193	536	19	j.	j.	PROPN
fsr-3193	536	20	,	,	PUNCT
fsr-3193	536	21	&	&	CCONJ
fsr-3193	536	22	shim	shim	NOUN
fsr-3193	536	23	,	,	PUNCT
fsr-3193	536	24	s.	s.	PROPN
fsr-3193	536	25	(	(	PUNCT
fsr-3193	536	26	2011	2011	NUM
fsr-3193	536	27	)	)	PUNCT
fsr-3193	536	28	.	.	PUNCT
fsr-3193	537	1	financial	financial	ADJ
fsr-3193	537	2	education	education	NOUN
fsr-3193	537	3	,	,	PUNCT
fsr-3193	537	4	financial	financial	ADJ
fsr-3193	537	5	knowledge	knowledge	NOUN
fsr-3193	537	6	,	,	PUNCT
fsr-3193	537	7	and	and	CCONJ
fsr-3193	537	8	risky	risky	ADJ
fsr-3193	537	9	credit	credit	NOUN
fsr-3193	537	10	behavior	behavior	NOUN
fsr-3193	537	11	of	of	ADP
fsr-3193	537	12	college	college	NOUN
fsr-3193	537	13	students	student	NOUN
fsr-3193	537	14	.	.	PUNCT
fsr-3193	538	1	in	in	ADP
fsr-3193	538	2	d.	d.	PROPN
fsr-3193	538	3	lamdin	lamdin	PROPN
fsr-3193	538	4	(	(	PUNCT
fsr-3193	538	5	ed	ed	NOUN
fsr-3193	538	6	.	.	PUNCT
fsr-3193	538	7	)	)	PUNCT
fsr-3193	538	8	,	,	PUNCT
fsr-3193	538	9	consumer	consumer	NOUN
fsr-3193	538	10	knowledge	knowledge	NOUN
fsr-3193	538	11	and	and	CCONJ
fsr-3193	538	12	financial	financial	ADJ
fsr-3193	538	13	decisions	decision	NOUN
fsr-3193	538	14	(	(	PUNCT
fsr-3193	538	15	pp	pp	ADJ
fsr-3193	538	16	.	.	PUNCT
fsr-3193	538	17	113–128	113–128	NUM
fsr-3193	538	18	)	)	PUNCT
fsr-3193	538	19	.	.	PUNCT
fsr-3193	539	1	new	new	PROPN
fsr-3193	539	2	york	york	PROPN
fsr-3193	539	3	,	,	PUNCT
fsr-3193	539	4	ny	ny	PROPN
fsr-3193	539	5	:	:	PUNCT
fsr-3193	539	6	springer	springer	NOUN
fsr-3193	539	7	.	.	PUNCT
fsr-3193	539	8	https://doi.org/10.1111/ijcs.12205	https://doi.org/10.1111/ijcs.12205	PROPN
fsr-3193	540	1	wang	wang	PROPN
fsr-3193	540	2	,	,	PUNCT
fsr-3193	540	3	z.	z.	PROPN
fsr-3193	540	4	,	,	PUNCT
fsr-3193	540	5	&	&	CCONJ
fsr-3193	540	6	pullman	pullman	PROPN
fsr-3193	540	7	,	,	PUNCT
fsr-3193	540	8	l.	l.	PROPN
fsr-3193	540	9	e.	e.	PROPN
fsr-3193	540	10	(	(	PUNCT
fsr-3193	540	11	2019	2019	NUM
fsr-3193	540	12	)	)	PUNCT
fsr-3193	540	13	.	.	PUNCT
fsr-3193	541	1	financial	financial	ADJ
fsr-3193	541	2	stress	stress	NOUN
fsr-3193	541	3	,	,	PUNCT
fsr-3193	541	4	financial	financial	ADJ
fsr-3193	541	5	stability	stability	NOUN
fsr-3193	541	6	,	,	PUNCT
fsr-3193	541	7	and	and	CCONJ
fsr-3193	541	8	military	military	ADJ
fsr-3193	541	9	spousal	spousal	NOUN
fsr-3193	541	10	well	well	ADV
fsr-3193	541	11	-	-	PUNCT
fsr-3193	541	12	being	being	NOUN
fsr-3193	541	13	.	.	PUNCT
fsr-3193	542	1	journal	journal	PROPN
fsr-3193	542	2	of	of	ADP
fsr-3193	542	3	military	military	NOUN
fsr-3193	542	4	,	,	PUNCT
fsr-3193	542	5	veteran	veteran	NOUN
fsr-3193	542	6	and	and	CCONJ
fsr-3193	542	7	family	family	NOUN
fsr-3193	542	8	health	health	NOUN
fsr-3193	542	9	,	,	PUNCT
fsr-3193	542	10	5	5	NUM
fsr-3193	542	11	,	,	PUNCT
fsr-3193	542	12	82–91	82–91	NUM
fsr-3193	542	13	.	.	PUNCT
fsr-3193	543	1	https://doi.org/10.3138/jmvfh.5.s1.2018-0025	https://doi.org/10.3138/jmvfh.5.s1.2018-0025	PROPN
fsr-3193	543	2	zick	zick	PROPN
fsr-3193	543	3	,	,	PUNCT
fsr-3193	543	4	c.	c.	PROPN
fsr-3193	543	5	d.	d.	PROPN
fsr-3193	543	6	,	,	PUNCT
fsr-3193	543	7	mayer	mayer	PROPN
fsr-3193	543	8	,	,	PUNCT
fsr-3193	543	9	r.	r.	PROPN
fsr-3193	543	10	n.	n.	PROPN
fsr-3193	543	11	,	,	PUNCT
fsr-3193	543	12	&	&	CCONJ
fsr-3193	543	13	glaubitz	glaubitz	PROPN
fsr-3193	543	14	,	,	PUNCT
fsr-3193	543	15	k.	k.	PROPN
fsr-3193	543	16	(	(	PUNCT
fsr-3193	543	17	2012	2012	NUM
fsr-3193	543	18	)	)	PUNCT
fsr-3193	543	19	.	.	PUNCT
fsr-3193	544	1	the	the	DET
fsr-3193	544	2	kids	kid	NOUN
fsr-3193	544	3	are	be	AUX
fsr-3193	544	4	all	all	ADV
fsr-3193	544	5	right	right	ADJ
fsr-3193	544	6	:	:	PUNCT
fsr-3193	544	7	generational	generational	ADJ
fsr-3193	544	8	differences	difference	NOUN
fsr-3193	544	9	in	in	ADP
fsr-3193	544	10	responses	response	NOUN
fsr-3193	544	11	to	to	ADP
fsr-3193	544	12	the	the	DET
fsr-3193	544	13	great	great	ADJ
fsr-3193	544	14	recession	recession	NOUN
fsr-3193	544	15	.	.	PUNCT
fsr-3193	545	1	journal	journal	NOUN
fsr-3193	545	2	of	of	ADP
fsr-3193	545	3	financial	financial	ADJ
fsr-3193	545	4	counseling	counseling	NOUN
fsr-3193	545	5	and	and	CCONJ
fsr-3193	545	6	planning	planning	NOUN
fsr-3193	545	7	,	,	PUNCT
fsr-3193	545	8	23	23	NUM
fsr-3193	545	9	,	,	PUNCT
fsr-3193	545	10	3–16	3–16	PROPN
fsr-3193	545	11	.	.	PUNCT
fsr-3193	546	1	54	54	NUM
fsr-3193	546	2	m.	m.	NOUN
fsr-3193	546	3	j.	j.	PROPN
fsr-3193	546	4	wilmarth	wilmarth	PROPN
fsr-3193	546	5	et	et	PROPN
fsr-3193	546	6	al	al	PROPN
fsr-3193	546	7	.	.	PUNCT
fsr-3193	546	8	/	/	SYM
fsr-3193	546	9	financial	financial	ADJ
fsr-3193	546	10	services	service	NOUN
fsr-3193	546	11	review	review	VERB
fsr-3193	546	12	31	31	NUM
fsr-3193	546	13	(	(	PUNCT
fsr-3193	546	14	2023	2023	NUM
fsr-3193	546	15	)	)	PUNCT
fsr-3193	546	16	35–54	35–54	NUM