id	sid	tid	token	lemma	pos
fsr-3455	1	1	the	the	DET
fsr-3455	1	2	relationship	relationship	NOUN
fsr-3455	1	3	between	between	ADP
fsr-3455	1	4	objective	objective	ADJ
fsr-3455	1	5	financial	financial	ADJ
fsr-3455	1	6	knowledge	knowledge	NOUN
fsr-3455	1	7	,	,	PUNCT
fsr-3455	1	8	financial	financial	ADJ
fsr-3455	1	9	management	management	NOUN
fsr-3455	1	10	,	,	PUNCT
fsr-3455	1	11	and	and	CCONJ
fsr-3455	1	12	financial	financial	ADJ
fsr-3455	1	13	self	self	NOUN
fsr-3455	1	14	-	-	PUNCT
fsr-3455	1	15	efficacy	efficacy	NOUN
fsr-3455	1	16	among	among	ADP
fsr-3455	1	17	african	african	ADJ
fsr-3455	1	18	american	american	ADJ
fsr-3455	1	19	students	student	NOUN
fsr-3455	1	20	kenneth	kenneth	PROPN
fsr-3455	1	21	whitea	whitea	PROPN
fsr-3455	1	22	,	,	PUNCT
fsr-3455	1	23	*	*	PROPN
fsr-3455	1	24	,	,	PUNCT
fsr-3455	1	25	narang	narang	PROPN
fsr-3455	1	26	parkb	parkb	PROPN
fsr-3455	1	27	,	,	PUNCT
fsr-3455	1	28	kimberly	kimberly	PROPN
fsr-3455	1	29	watkinsc	watkinsc	PROPN
fsr-3455	1	30	,	,	PUNCT
fsr-3455	1	31	megan	megan	NOUN
fsr-3455	1	32	mccoyd	mccoyd	PROPN
fsr-3455	1	33	,	,	PUNCT
fsr-3455	1	34	joycelyn	joycelyn	ADJ
fsr-3455	1	35	morrise	morrise	ADJ
fsr-3455	1	36	adepartment	adepartment	NOUN
fsr-3455	1	37	of	of	ADP
fsr-3455	1	38	financial	financial	ADJ
fsr-3455	1	39	planning	planning	NOUN
fsr-3455	1	40	,	,	PUNCT
fsr-3455	1	41	housing	housing	NOUN
fsr-3455	1	42	,	,	PUNCT
fsr-3455	1	43	and	and	CCONJ
fsr-3455	1	44	consumer	consumer	NOUN
fsr-3455	1	45	economics	economic	NOUN
fsr-3455	1	46	,	,	PUNCT
fsr-3455	1	47	university	university	NOUN
fsr-3455	1	48	of	of	ADP
fsr-3455	1	49	georgia	georgia	PROPN
fsr-3455	1	50	,	,	PUNCT
fsr-3455	1	51	dawson	dawson	PROPN
fsr-3455	1	52	hall	hall	PROPN
fsr-3455	1	53	,	,	PUNCT
fsr-3455	1	54	athens	athens	PROPN
fsr-3455	1	55	,	,	PUNCT
fsr-3455	1	56	ga	ga	PROPN
fsr-3455	1	57	30602	30602	NUM
fsr-3455	1	58	,	,	PUNCT
fsr-3455	1	59	usa	usa	PROPN
fsr-3455	1	60	bschool	bschool	PROPN
fsr-3455	1	61	of	of	ADP
fsr-3455	1	62	family	family	NOUN
fsr-3455	1	63	and	and	CCONJ
fsr-3455	1	64	consumer	consumer	NOUN
fsr-3455	1	65	sciences	sciences	PROPN
fsr-3455	1	66	,	,	PUNCT
fsr-3455	1	67	texas	texas	PROPN
fsr-3455	1	68	state	state	PROPN
fsr-3455	1	69	university	university	PROPN
fsr-3455	1	70	,	,	PUNCT
fsr-3455	1	71	601	601	NUM
fsr-3455	1	72	university	university	NOUN
fsr-3455	1	73	drive	drive	NOUN
fsr-3455	1	74	,	,	PUNCT
fsr-3455	1	75	san	san	PROPN
fsr-3455	1	76	marcos	marcos	PROPN
fsr-3455	1	77	,	,	PUNCT
fsr-3455	1	78	tx	tx	PROPN
fsr-3455	1	79	78666	78666	NUM
fsr-3455	1	80	,	,	PUNCT
fsr-3455	1	81	usa	usa	PROPN
fsr-3455	1	82	cdepartment	cdepartment	PROPN
fsr-3455	1	83	of	of	ADP
fsr-3455	1	84	consumer	consumer	NOUN
fsr-3455	1	85	sciences	science	NOUN
fsr-3455	1	86	,	,	PUNCT
fsr-3455	1	87	university	university	NOUN
fsr-3455	1	88	of	of	ADP
fsr-3455	1	89	alabama	alabama	PROPN
fsr-3455	1	90	,	,	PUNCT
fsr-3455	1	91	313	313	NUM
fsr-3455	1	92	adams	adams	PROPN
fsr-3455	1	93	hall	hall	PROPN
fsr-3455	1	94	,	,	PUNCT
fsr-3455	1	95	box	box	PROPN
fsr-3455	1	96	870158	870158	NUM
fsr-3455	1	97	,	,	PUNCT
fsr-3455	1	98	tuscaloosa	tuscaloosa	PROPN
fsr-3455	1	99	,	,	PUNCT
fsr-3455	1	100	al	al	PROPN
fsr-3455	1	101	35487	35487	NUM
fsr-3455	1	102	,	,	PUNCT
fsr-3455	1	103	usa	usa	PROPN
fsr-3455	1	104	ddepartment	ddepartment	NOUN
fsr-3455	1	105	of	of	ADP
fsr-3455	1	106	personal	personal	ADJ
fsr-3455	1	107	financial	financial	ADJ
fsr-3455	1	108	planning	planning	NOUN
fsr-3455	1	109	,	,	PUNCT
fsr-3455	1	110	kansas	kansas	PROPN
fsr-3455	1	111	state	state	PROPN
fsr-3455	1	112	university	university	PROPN
fsr-3455	1	113	,	,	PUNCT
fsr-3455	1	114	1324	1324	NUM
fsr-3455	1	115	lovers	lover	NOUN
fsr-3455	1	116	lane	lane	NOUN
fsr-3455	1	117	,	,	PUNCT
fsr-3455	1	118	343	343	NUM
fsr-3455	1	119	m	m	PROPN
fsr-3455	1	120	justin	justin	PROPN
fsr-3455	1	121	hall	hall	PROPN
fsr-3455	1	122	,	,	PUNCT
fsr-3455	1	123	manhattan	manhattan	PROPN
fsr-3455	1	124	,	,	PUNCT
fsr-3455	1	125	ks	ks	PROPN
fsr-3455	1	126	66502	66502	NUM
fsr-3455	1	127	,	,	PUNCT
fsr-3455	1	128	usa	usa	PROPN
fsr-3455	1	129	edepartment	edepartment	PROPN
fsr-3455	1	130	of	of	ADP
fsr-3455	1	131	teaching	teaching	NOUN
fsr-3455	1	132	and	and	CCONJ
fsr-3455	1	133	learning	learning	PROPN
fsr-3455	1	134	,	,	PUNCT
fsr-3455	1	135	florida	florida	PROPN
fsr-3455	1	136	international	international	PROPN
fsr-3455	1	137	university	university	PROPN
fsr-3455	1	138	,	,	PUNCT
fsr-3455	1	139	11200	11200	NUM
fsr-3455	1	140	sw	sw	PROPN
fsr-3455	1	141	8th	8th	PROPN
fsr-3455	1	142	street	street	PROPN
fsr-3455	1	143	,	,	PUNCT
fsr-3455	1	144	zeb	zeb	PROPN
fsr-3455	1	145	,	,	PUNCT
fsr-3455	1	146	miami	miami	PROPN
fsr-3455	1	147	,	,	PUNCT
fsr-3455	1	148	fl	fl	PROPN
fsr-3455	1	149	33199	33199	NUM
fsr-3455	1	150	,	,	PUNCT
fsr-3455	1	151	usa	usa	PROPN
fsr-3455	1	152	abstract	abstract	PROPN
fsr-3455	1	153	research	research	NOUN
fsr-3455	1	154	consistently	consistently	ADV
fsr-3455	1	155	shows	show	VERB
fsr-3455	1	156	the	the	DET
fsr-3455	1	157	positive	positive	ADJ
fsr-3455	1	158	associations	association	NOUN
fsr-3455	1	159	of	of	ADP
fsr-3455	1	160	objective	objective	ADJ
fsr-3455	1	161	financial	financial	ADJ
fsr-3455	1	162	knowledge	knowledge	NOUN
fsr-3455	1	163	,	,	PUNCT
fsr-3455	1	164	management	management	NOUN
fsr-3455	1	165	,	,	PUNCT
fsr-3455	1	166	and	and	CCONJ
fsr-3455	1	167	self	self	NOUN
fsr-3455	1	168	-	-	PUNCT
fsr-3455	1	169	efficacy	efficacy	NOUN
fsr-3455	1	170	on	on	ADP
fsr-3455	1	171	college	college	NOUN
fsr-3455	1	172	students	student	NOUN
fsr-3455	1	173	’	’	PART
fsr-3455	1	174	financial	financial	ADJ
fsr-3455	1	175	literacy	literacy	NOUN
fsr-3455	1	176	.	.	PUNCT
fsr-3455	2	1	however	however	ADV
fsr-3455	2	2	,	,	PUNCT
fsr-3455	2	3	there	there	PRON
fsr-3455	2	4	is	be	VERB
fsr-3455	2	5	a	a	DET
fsr-3455	2	6	need	need	NOUN
fsr-3455	2	7	for	for	ADP
fsr-3455	2	8	a	a	DET
fsr-3455	2	9	more	more	ADV
fsr-3455	2	10	nuanced	nuanced	ADJ
fsr-3455	2	11	examination	examination	NOUN
fsr-3455	2	12	of	of	ADP
fsr-3455	2	13	the	the	DET
fsr-3455	2	14	factors	factor	NOUN
fsr-3455	2	15	contributing	contribute	VERB
fsr-3455	2	16	to	to	ADP
fsr-3455	2	17	african	african	ADJ
fsr-3455	2	18	american	american	PROPN
fsr-3455	2	19	college	college	PROPN
fsr-3455	2	20	students	student	NOUN
fsr-3455	2	21	’	’	PART
fsr-3455	2	22	financial	financial	ADJ
fsr-3455	2	23	literacy	literacy	NOUN
fsr-3455	2	24	.	.	PUNCT
fsr-3455	3	1	using	use	VERB
fsr-3455	3	2	the	the	DET
fsr-3455	3	3	national	national	ADJ
fsr-3455	3	4	student	student	PROPN
fsr-3455	3	5	financial	financial	PROPN
fsr-3455	3	6	wellness	wellness	NOUN
fsr-3455	3	7	study	study	NOUN
fsr-3455	3	8	and	and	CCONJ
fsr-3455	3	9	structural	structural	ADJ
fsr-3455	3	10	equation	equation	NOUN
fsr-3455	3	11	modeling	modeling	NOUN
fsr-3455	3	12	,	,	PUNCT
fsr-3455	3	13	findings	finding	NOUN
fsr-3455	3	14	suggest	suggest	VERB
fsr-3455	3	15	that	that	SCONJ
fsr-3455	3	16	for	for	ADP
fsr-3455	3	17	african	african	ADJ
fsr-3455	3	18	american	american	ADJ
fsr-3455	3	19	students	student	NOUN
fsr-3455	3	20	,	,	PUNCT
fsr-3455	3	21	objective	objective	ADJ
fsr-3455	3	22	financial	financial	ADJ
fsr-3455	3	23	knowledge	knowledge	NOUN
fsr-3455	3	24	is	be	AUX
fsr-3455	3	25	not	not	PART
fsr-3455	3	26	directly	directly	ADV
fsr-3455	3	27	or	or	CCONJ
fsr-3455	3	28	indirectly	indirectly	ADV
fsr-3455	3	29	associated	associate	VERB
fsr-3455	3	30	with	with	ADP
fsr-3455	3	31	financial	financial	ADJ
fsr-3455	3	32	self	self	NOUN
fsr-3455	3	33	-	-	PUNCT
fsr-3455	3	34	efficacy	efficacy	NOUN
fsr-3455	3	35	.	.	PUNCT
fsr-3455	4	1	only	only	ADV
fsr-3455	4	2	financial	financial	ADJ
fsr-3455	4	3	management	management	NOUN
fsr-3455	4	4	is	be	AUX
fsr-3455	4	5	significantly	significantly	ADV
fsr-3455	4	6	associated	associate	VERB
fsr-3455	4	7	with	with	ADP
fsr-3455	4	8	increased	increase	VERB
fsr-3455	4	9	financial	financial	ADJ
fsr-3455	4	10	self	self	NOUN
fsr-3455	4	11	-	-	PUNCT
fsr-3455	4	12	efficacy	efficacy	NOUN
fsr-3455	4	13	.	.	PUNCT
fsr-3455	5	1	these	these	DET
fsr-3455	5	2	findings	finding	NOUN
fsr-3455	5	3	indicate	indicate	VERB
fsr-3455	5	4	that	that	SCONJ
fsr-3455	5	5	experiential	experiential	ADJ
fsr-3455	5	6	learning	learning	NOUN
fsr-3455	5	7	may	may	AUX
fsr-3455	5	8	be	be	AUX
fsr-3455	5	9	effective	effective	ADJ
fsr-3455	5	10	for	for	ADP
fsr-3455	5	11	improving	improve	VERB
fsr-3455	5	12	african	african	ADJ
fsr-3455	5	13	american	american	ADJ
fsr-3455	5	14	students	student	NOUN
fsr-3455	5	15	’	’	PART
fsr-3455	5	16	financial	financial	ADJ
fsr-3455	5	17	literacy	literacy	NOUN
fsr-3455	5	18	.	.	PUNCT
fsr-3455	6	1	©	©	PROPN
fsr-3455	6	2	2021	2021	NUM
fsr-3455	6	3	academy	academy	NOUN
fsr-3455	6	4	of	of	ADP
fsr-3455	6	5	financial	financial	ADJ
fsr-3455	6	6	services	service	NOUN
fsr-3455	6	7	.	.	PUNCT
fsr-3455	7	1	all	all	DET
fsr-3455	7	2	rights	right	NOUN
fsr-3455	7	3	reserved	reserve	VERB
fsr-3455	7	4	.	.	PUNCT
fsr-3455	8	1	jel	jel	PROPN
fsr-3455	8	2	classification	classification	PROPN
fsr-3455	8	3	:	:	PUNCT
fsr-3455	8	4	d10	d10	PROPN
fsr-3455	8	5	;	;	PUNCT
fsr-3455	8	6	d14	d14	PROPN
fsr-3455	8	7	;	;	PUNCT
fsr-3455	8	8	g53	g53	NOUN
fsr-3455	8	9	keywords	keyword	NOUN
fsr-3455	8	10	:	:	PUNCT
fsr-3455	8	11	african	african	PROPN
fsr-3455	8	12	american	american	PROPN
fsr-3455	8	13	;	;	PUNCT
fsr-3455	8	14	financial	financial	ADJ
fsr-3455	8	15	literacy	literacy	NOUN
fsr-3455	8	16	;	;	PUNCT
fsr-3455	8	17	financial	financial	ADJ
fsr-3455	8	18	knowledge	knowledge	NOUN
fsr-3455	8	19	;	;	PUNCT
fsr-3455	8	20	financial	financial	ADJ
fsr-3455	8	21	management	management	NOUN
fsr-3455	8	22	;	;	PUNCT
fsr-3455	8	23	financial	financial	ADJ
fsr-3455	8	24	selfefficacy	selfefficacy	NOUN
fsr-3455	8	25	*	*	PUNCT
fsr-3455	8	26	corresponding	correspond	VERB
fsr-3455	8	27	author	author	NOUN
fsr-3455	8	28	.	.	PUNCT
fsr-3455	9	1	tel	tel	PROPN
fsr-3455	9	2	.	.	PUNCT
fsr-3455	9	3	:	:	PUNCT
fsr-3455	10	1	+1	+1	PROPN
fsr-3455	10	2	-	-	PUNCT
fsr-3455	10	3	706	706	NUM
fsr-3455	10	4	-	-	PUNCT
fsr-3455	10	5	542	542	NUM
fsr-3455	10	6	-	-	NUM
fsr-3455	10	7	4879	4879	NUM
fsr-3455	10	8	;	;	PUNCT
fsr-3455	10	9	fax	fax	NOUN
fsr-3455	10	10	:	:	PUNCT
fsr-3455	10	11	706	706	NUM
fsr-3455	10	12	-	-	SYM
fsr-3455	10	13	542	542	NUM
fsr-3455	10	14	-	-	PUNCT
fsr-3455	10	15	4397	4397	NUM
fsr-3455	10	16	.	.	PUNCT
fsr-3455	11	1	e	e	X
fsr-3455	11	2	-	-	NOUN
fsr-3455	11	3	mail	mail	NOUN
fsr-3455	11	4	:	:	PUNCT
fsr-3455	11	5	kjwhite@uga.edu	kjwhite@uga.edu	PROPN
fsr-3455	11	6	1057	1057	NUM
fsr-3455	11	7	-	-	SYM
fsr-3455	11	8	0810/21/$	0810/21/$	NUM
fsr-3455	11	9	–	–	PUNCT
fsr-3455	11	10	see	see	VERB
fsr-3455	11	11	front	front	ADJ
fsr-3455	11	12	matter	matter	NOUN
fsr-3455	11	13	©	©	PROPN
fsr-3455	11	14	2021	2021	NUM
fsr-3455	11	15	academy	academy	NOUN
fsr-3455	11	16	of	of	ADP
fsr-3455	11	17	financial	financial	ADJ
fsr-3455	11	18	services	service	NOUN
fsr-3455	11	19	.	.	PUNCT
fsr-3455	12	1	all	all	DET
fsr-3455	12	2	rights	right	NOUN
fsr-3455	12	3	reserved	reserve	VERB
fsr-3455	12	4	.	.	PUNCT
fsr-3455	13	1	financial	financial	ADJ
fsr-3455	13	2	services	service	NOUN
fsr-3455	13	3	review	review	VERB
fsr-3455	13	4	29	29	NUM
fsr-3455	13	5	(	(	PUNCT
fsr-3455	13	6	2021	2021	NUM
fsr-3455	13	7	)	)	PUNCT
fsr-3455	13	8	169–185	169–185	NUM
fsr-3455	13	9	1	1	NUM
fsr-3455	13	10	.	.	PUNCT
fsr-3455	14	1	introduction	introduction	NOUN
fsr-3455	14	2	financial	financial	ADJ
fsr-3455	14	3	literacy	literacy	NOUN
fsr-3455	14	4	is	be	AUX
fsr-3455	14	5	essential	essential	ADJ
fsr-3455	14	6	to	to	PART
fsr-3455	14	7	increase	increase	VERB
fsr-3455	14	8	sound	sound	ADJ
fsr-3455	14	9	financial	financial	ADJ
fsr-3455	14	10	decision	decision	NOUN
fsr-3455	14	11	-	-	PUNCT
fsr-3455	14	12	making	making	NOUN
fsr-3455	14	13	and	and	CCONJ
fsr-3455	14	14	to	to	PART
fsr-3455	14	15	reduce	reduce	VERB
fsr-3455	14	16	financial	financial	ADJ
fsr-3455	14	17	distress	distress	NOUN
fsr-3455	14	18	(	(	PUNCT
fsr-3455	14	19	asaad	asaad	NOUN
fsr-3455	14	20	,	,	PUNCT
fsr-3455	14	21	2015	2015	NUM
fsr-3455	14	22	;	;	PUNCT
fsr-3455	14	23	huston	huston	PROPN
fsr-3455	14	24	,	,	PUNCT
fsr-3455	14	25	2010	2010	NUM
fsr-3455	14	26	;	;	PUNCT
fsr-3455	14	27	scott	scott	PROPN
fsr-3455	14	28	,	,	PUNCT
fsr-3455	14	29	vu	vu	PROPN
fsr-3455	14	30	,	,	PUNCT
fsr-3455	14	31	cheng	cheng	PROPN
fsr-3455	14	32	,	,	PUNCT
fsr-3455	14	33	&	&	CCONJ
fsr-3455	14	34	gibson	gibson	PROPN
fsr-3455	14	35	,	,	PUNCT
fsr-3455	14	36	2018	2018	NUM
fsr-3455	14	37	)	)	PUNCT
fsr-3455	14	38	.	.	PUNCT
fsr-3455	15	1	greater	great	ADJ
fsr-3455	15	2	financial	financial	ADJ
fsr-3455	15	3	literacy	literacy	NOUN
fsr-3455	15	4	leads	lead	VERB
fsr-3455	15	5	to	to	ADP
fsr-3455	15	6	healthy	healthy	ADJ
fsr-3455	15	7	behaviors	behavior	NOUN
fsr-3455	15	8	such	such	ADJ
fsr-3455	15	9	as	as	ADP
fsr-3455	15	10	budgeting	budget	VERB
fsr-3455	15	11	,	,	PUNCT
fsr-3455	15	12	saving	save	VERB
fsr-3455	15	13	for	for	ADP
fsr-3455	15	14	emergencies	emergency	NOUN
fsr-3455	15	15	,	,	PUNCT
fsr-3455	15	16	and	and	CCONJ
fsr-3455	15	17	investing	invest	VERB
fsr-3455	15	18	for	for	ADP
fsr-3455	15	19	goals	goal	NOUN
fsr-3455	15	20	such	such	ADJ
fsr-3455	15	21	as	as	ADP
fsr-3455	15	22	retirement	retirement	NOUN
fsr-3455	15	23	(	(	PUNCT
fsr-3455	15	24	henager	henag	ADJ
fsr-3455	15	25	&	&	CCONJ
fsr-3455	15	26	cude	cude	ADJ
fsr-3455	15	27	,	,	PUNCT
fsr-3455	15	28	2016	2016	NUM
fsr-3455	15	29	)	)	PUNCT
fsr-3455	15	30	.	.	PUNCT
fsr-3455	16	1	given	give	VERB
fsr-3455	16	2	the	the	DET
fsr-3455	16	3	critical	critical	ADJ
fsr-3455	16	4	nature	nature	NOUN
fsr-3455	16	5	of	of	ADP
fsr-3455	16	6	these	these	DET
fsr-3455	16	7	skills	skill	NOUN
fsr-3455	16	8	,	,	PUNCT
fsr-3455	16	9	one	one	PRON
fsr-3455	16	10	might	might	AUX
fsr-3455	16	11	assume	assume	VERB
fsr-3455	16	12	that	that	SCONJ
fsr-3455	16	13	researchers	researcher	NOUN
fsr-3455	16	14	understand	understand	VERB
fsr-3455	16	15	how	how	SCONJ
fsr-3455	16	16	financial	financial	ADJ
fsr-3455	16	17	literacy	literacy	NOUN
fsr-3455	16	18	develops	develop	VERB
fsr-3455	16	19	.	.	PUNCT
fsr-3455	17	1	however	however	ADV
fsr-3455	17	2	,	,	PUNCT
fsr-3455	17	3	research	research	NOUN
fsr-3455	17	4	is	be	AUX
fsr-3455	17	5	limited	limit	VERB
fsr-3455	17	6	by	by	ADP
fsr-3455	17	7	conflicting	conflicting	ADJ
fsr-3455	17	8	definitions	definition	NOUN
fsr-3455	17	9	and	and	CCONJ
fsr-3455	17	10	unclear	unclear	ADJ
fsr-3455	17	11	paths	path	NOUN
fsr-3455	17	12	to	to	ADP
fsr-3455	17	13	its	its	PRON
fsr-3455	17	14	development	development	NOUN
fsr-3455	17	15	(	(	PUNCT
fsr-3455	17	16	willis	willis	PROPN
fsr-3455	17	17	,	,	PUNCT
fsr-3455	17	18	2008	2008	NUM
fsr-3455	17	19	)	)	PUNCT
fsr-3455	17	20	.	.	PUNCT
fsr-3455	18	1	what	what	PRON
fsr-3455	18	2	researchers	researcher	NOUN
fsr-3455	18	3	do	do	AUX
fsr-3455	18	4	understand	understand	VERB
fsr-3455	18	5	thus	thus	ADV
fsr-3455	18	6	far	far	ADV
fsr-3455	18	7	is	be	AUX
fsr-3455	18	8	that	that	SCONJ
fsr-3455	18	9	both	both	CCONJ
fsr-3455	18	10	knowledge	knowledge	NOUN
fsr-3455	18	11	and	and	CCONJ
fsr-3455	18	12	confidence	confidence	NOUN
fsr-3455	18	13	are	be	AUX
fsr-3455	18	14	critical	critical	ADJ
fsr-3455	18	15	components	component	NOUN
fsr-3455	18	16	to	to	ADP
fsr-3455	18	17	developing	develop	VERB
fsr-3455	18	18	financial	financial	ADJ
fsr-3455	18	19	literacy	literacy	NOUN
fsr-3455	18	20	.	.	PUNCT
fsr-3455	19	1	objective	objective	ADJ
fsr-3455	19	2	financial	financial	ADJ
fsr-3455	19	3	knowledge	knowledge	NOUN
fsr-3455	19	4	is	be	AUX
fsr-3455	19	5	a	a	DET
fsr-3455	19	6	necessary	necessary	ADJ
fsr-3455	19	7	component	component	NOUN
fsr-3455	19	8	of	of	ADP
fsr-3455	19	9	financial	financial	ADJ
fsr-3455	19	10	literacy	literacy	NOUN
fsr-3455	19	11	.	.	PUNCT
fsr-3455	20	1	however	however	ADV
fsr-3455	20	2	,	,	PUNCT
fsr-3455	20	3	to	to	PART
fsr-3455	20	4	be	be	AUX
fsr-3455	20	5	a	a	DET
fsr-3455	20	6	financially	financially	ADV
fsr-3455	20	7	literate	literate	ADJ
fsr-3455	20	8	individual	individual	NOUN
fsr-3455	20	9	,	,	PUNCT
fsr-3455	20	10	one	one	PRON
fsr-3455	20	11	must	must	AUX
fsr-3455	20	12	also	also	ADV
fsr-3455	20	13	possess	possess	VERB
fsr-3455	20	14	self	self	NOUN
fsr-3455	20	15	-	-	PUNCT
fsr-3455	20	16	efficacy	efficacy	NOUN
fsr-3455	20	17	,	,	PUNCT
fsr-3455	20	18	or	or	CCONJ
fsr-3455	20	19	confidence	confidence	NOUN
fsr-3455	20	20	,	,	PUNCT
fsr-3455	20	21	in	in	ADP
fsr-3455	20	22	his	his	PRON
fsr-3455	20	23	or	or	CCONJ
fsr-3455	20	24	her	her	PRON
fsr-3455	20	25	abilities	ability	NOUN
fsr-3455	20	26	to	to	PART
fsr-3455	20	27	perform	perform	VERB
fsr-3455	20	28	financial	financial	ADJ
fsr-3455	20	29	tasks	task	NOUN
fsr-3455	20	30	(	(	PUNCT
fsr-3455	20	31	bandura	bandura	NOUN
fsr-3455	20	32	,	,	PUNCT
fsr-3455	20	33	2006	2006	NUM
fsr-3455	20	34	)	)	PUNCT
fsr-3455	20	35	.	.	PUNCT
fsr-3455	21	1	individuals	individual	NOUN
fsr-3455	21	2	with	with	ADP
fsr-3455	21	3	higher	high	ADJ
fsr-3455	21	4	levels	level	NOUN
fsr-3455	21	5	of	of	ADP
fsr-3455	21	6	objective	objective	ADJ
fsr-3455	21	7	financial	financial	ADJ
fsr-3455	21	8	knowledge	knowledge	NOUN
fsr-3455	21	9	and	and	CCONJ
fsr-3455	21	10	financial	financial	ADJ
fsr-3455	21	11	self	self	NOUN
fsr-3455	21	12	-	-	PUNCT
fsr-3455	21	13	efficacy	efficacy	NOUN
fsr-3455	21	14	are	be	AUX
fsr-3455	21	15	associated	associate	VERB
fsr-3455	21	16	with	with	ADP
fsr-3455	21	17	sound	sound	ADJ
fsr-3455	21	18	financial	financial	ADJ
fsr-3455	21	19	management	management	NOUN
fsr-3455	21	20	leading	lead	VERB
fsr-3455	21	21	to	to	ADP
fsr-3455	21	22	increased	increase	VERB
fsr-3455	21	23	financial	financial	ADJ
fsr-3455	21	24	well	well	NOUN
fsr-3455	21	25	-	-	PUNCT
fsr-3455	21	26	being	being	NOUN
fsr-3455	21	27	(	(	PUNCT
fsr-3455	21	28	robb	robb	NOUN
fsr-3455	21	29	&	&	CCONJ
fsr-3455	21	30	woodyard	woodyard	PROPN
fsr-3455	21	31	,	,	PUNCT
fsr-3455	21	32	2011	2011	NUM
fsr-3455	21	33	)	)	PUNCT
fsr-3455	21	34	.	.	PUNCT
fsr-3455	22	1	the	the	DET
fsr-3455	22	2	link	link	NOUN
fsr-3455	22	3	between	between	ADP
fsr-3455	22	4	objective	objective	ADJ
fsr-3455	22	5	financial	financial	ADJ
fsr-3455	22	6	knowledge	knowledge	NOUN
fsr-3455	22	7	and	and	CCONJ
fsr-3455	22	8	financial	financial	ADJ
fsr-3455	22	9	self	self	NOUN
fsr-3455	22	10	-	-	PUNCT
fsr-3455	22	11	efficacy	efficacy	NOUN
fsr-3455	22	12	as	as	ADP
fsr-3455	22	13	integral	integral	ADJ
fsr-3455	22	14	components	component	NOUN
fsr-3455	22	15	of	of	ADP
fsr-3455	22	16	financial	financial	ADJ
fsr-3455	22	17	literacy	literacy	NOUN
fsr-3455	22	18	is	be	AUX
fsr-3455	22	19	evident	evident	ADJ
fsr-3455	22	20	.	.	PUNCT
fsr-3455	23	1	so	so	ADV
fsr-3455	23	2	,	,	PUNCT
fsr-3455	23	3	why	why	SCONJ
fsr-3455	23	4	has	have	AUX
fsr-3455	23	5	it	it	PRON
fsr-3455	23	6	proven	prove	VERB
fsr-3455	23	7	so	so	ADV
fsr-3455	23	8	difficult	difficult	ADJ
fsr-3455	23	9	to	to	PART
fsr-3455	23	10	teach	teach	VERB
fsr-3455	23	11	people	people	NOUN
fsr-3455	23	12	these	these	DET
fsr-3455	23	13	skills	skill	NOUN
fsr-3455	23	14	?	?	PUNCT
fsr-3455	24	1	basic	basic	ADJ
fsr-3455	24	2	financial	financial	ADJ
fsr-3455	24	3	education	education	NOUN
fsr-3455	24	4	classes	class	NOUN
fsr-3455	24	5	should	should	AUX
fsr-3455	24	6	increase	increase	VERB
fsr-3455	24	7	knowledge	knowledge	NOUN
fsr-3455	24	8	(	(	PUNCT
fsr-3455	24	9	mielitz	mielitz	PROPN
fsr-3455	24	10	,	,	PUNCT
fsr-3455	24	11	macdonald	macdonald	PROPN
fsr-3455	24	12	,	,	PUNCT
fsr-3455	24	13	&	&	CCONJ
fsr-3455	24	14	lurtz	lurtz	PROPN
fsr-3455	24	15	,	,	PUNCT
fsr-3455	24	16	2018	2018	NUM
fsr-3455	24	17	)	)	PUNCT
fsr-3455	24	18	and	and	CCONJ
fsr-3455	24	19	literacy	literacy	NOUN
fsr-3455	24	20	(	(	PUNCT
fsr-3455	24	21	al	al	PROPN
fsr-3455	24	22	-	-	PUNCT
fsr-3455	24	23	bahrani	bahrani	PROPN
fsr-3455	24	24	,	,	PUNCT
fsr-3455	24	25	weathers	weather	NOUN
fsr-3455	24	26	,	,	PUNCT
fsr-3455	24	27	&	&	CCONJ
fsr-3455	24	28	patel	patel	PROPN
fsr-3455	24	29	,	,	PUNCT
fsr-3455	24	30	2019	2019	NUM
fsr-3455	24	31	)	)	PUNCT
fsr-3455	24	32	.	.	PUNCT
fsr-3455	25	1	however	however	ADV
fsr-3455	25	2	,	,	PUNCT
fsr-3455	25	3	well	well	ADV
fsr-3455	25	4	-	-	PUNCT
fsr-3455	25	5	intentioned	intentione	VERB
fsr-3455	25	6	interventions	intervention	NOUN
fsr-3455	25	7	may	may	AUX
fsr-3455	25	8	fall	fall	VERB
fsr-3455	25	9	short	short	ADV
fsr-3455	25	10	for	for	ADP
fsr-3455	25	11	african	african	ADJ
fsr-3455	25	12	american	american	ADJ
fsr-3455	25	13	students	student	NOUN
fsr-3455	25	14	.	.	PUNCT
fsr-3455	26	1	for	for	ADP
fsr-3455	26	2	example	example	NOUN
fsr-3455	26	3	,	,	PUNCT
fsr-3455	26	4	al	al	PROPN
fsr-3455	26	5	-	-	PUNCT
fsr-3455	26	6	bahrani	bahrani	PROPN
fsr-3455	26	7	et	et	PROPN
fsr-3455	26	8	al	al	PROPN
fsr-3455	26	9	.	.	PROPN
fsr-3455	26	10	(	(	PUNCT
fsr-3455	26	11	2019	2019	NUM
fsr-3455	26	12	)	)	PUNCT
fsr-3455	26	13	reported	report	VERB
fsr-3455	26	14	the	the	DET
fsr-3455	26	15	returns	return	NOUN
fsr-3455	26	16	on	on	ADP
fsr-3455	26	17	financial	financial	ADJ
fsr-3455	26	18	education	education	NOUN
fsr-3455	26	19	are	be	AUX
fsr-3455	26	20	higher	high	ADJ
fsr-3455	26	21	for	for	ADP
fsr-3455	26	22	whites	white	NOUN
fsr-3455	26	23	than	than	ADP
fsr-3455	26	24	persons	person	NOUN
fsr-3455	26	25	of	of	ADP
fsr-3455	26	26	color	color	NOUN
fsr-3455	26	27	(	(	PUNCT
fsr-3455	26	28	poc	poc	NOUN
fsr-3455	26	29	)	)	PUNCT
fsr-3455	26	30	.	.	PUNCT
fsr-3455	27	1	huston	huston	PROPN
fsr-3455	27	2	(	(	PUNCT
fsr-3455	27	3	2010	2010	NUM
fsr-3455	27	4	)	)	PUNCT
fsr-3455	27	5	concluded	conclude	VERB
fsr-3455	27	6	that	that	SCONJ
fsr-3455	27	7	a	a	DET
fsr-3455	27	8	one	one	NUM
fsr-3455	27	9	-	-	PUNCT
fsr-3455	27	10	size	size	NOUN
fsr-3455	27	11	-	-	PUNCT
fsr-3455	27	12	fits	fit	VERB
fsr-3455	27	13	-	-	PUNCT
fsr-3455	27	14	all	all	PRON
fsr-3455	27	15	approach	approach	NOUN
fsr-3455	27	16	to	to	ADP
fsr-3455	27	17	personal	personal	ADJ
fsr-3455	27	18	financial	financial	ADJ
fsr-3455	27	19	education	education	NOUN
fsr-3455	27	20	is	be	AUX
fsr-3455	27	21	not	not	PART
fsr-3455	27	22	effective	effective	ADJ
fsr-3455	27	23	and	and	CCONJ
fsr-3455	27	24	should	should	AUX
fsr-3455	27	25	instead	instead	ADV
fsr-3455	27	26	be	be	AUX
fsr-3455	27	27	tailored	tailor	VERB
fsr-3455	27	28	to	to	ADP
fsr-3455	27	29	different	different	ADJ
fsr-3455	27	30	demographics	demographic	NOUN
fsr-3455	27	31	.	.	PUNCT
fsr-3455	28	1	if	if	SCONJ
fsr-3455	28	2	not	not	PART
fsr-3455	28	3	tailored	tailor	VERB
fsr-3455	28	4	,	,	PUNCT
fsr-3455	28	5	financial	financial	ADJ
fsr-3455	28	6	education	education	NOUN
fsr-3455	28	7	in	in	ADP
fsr-3455	28	8	its	its	PRON
fsr-3455	28	9	current	current	ADJ
fsr-3455	28	10	form	form	NOUN
fsr-3455	28	11	could	could	AUX
fsr-3455	28	12	increase	increase	VERB
fsr-3455	28	13	the	the	DET
fsr-3455	28	14	objective	objective	ADJ
fsr-3455	28	15	financial	financial	ADJ
fsr-3455	28	16	knowledge	knowledge	NOUN
fsr-3455	28	17	gap	gap	NOUN
fsr-3455	28	18	between	between	ADP
fsr-3455	28	19	whites	white	NOUN
fsr-3455	28	20	and	and	CCONJ
fsr-3455	28	21	poc	poc	NOUN
fsr-3455	28	22	.	.	PUNCT
fsr-3455	29	1	although	although	SCONJ
fsr-3455	29	2	the	the	DET
fsr-3455	29	3	personal	personal	ADJ
fsr-3455	29	4	finance	finance	NOUN
fsr-3455	29	5	literature	literature	NOUN
fsr-3455	29	6	has	have	AUX
fsr-3455	29	7	extensively	extensively	ADV
fsr-3455	29	8	documented	document	VERB
fsr-3455	29	9	the	the	DET
fsr-3455	29	10	effects	effect	NOUN
fsr-3455	29	11	of	of	ADP
fsr-3455	29	12	objective	objective	ADJ
fsr-3455	29	13	financial	financial	ADJ
fsr-3455	29	14	knowledge	knowledge	NOUN
fsr-3455	29	15	and	and	CCONJ
fsr-3455	29	16	financial	financial	ADJ
fsr-3455	29	17	self	self	NOUN
fsr-3455	29	18	-	-	PUNCT
fsr-3455	29	19	efficacy	efficacy	NOUN
fsr-3455	29	20	for	for	ADP
fsr-3455	29	21	college	college	NOUN
fsr-3455	29	22	students	student	NOUN
fsr-3455	29	23	,	,	PUNCT
fsr-3455	29	24	the	the	DET
fsr-3455	29	25	literature	literature	NOUN
fsr-3455	29	26	is	be	AUX
fsr-3455	29	27	lacking	lack	VERB
fsr-3455	29	28	when	when	SCONJ
fsr-3455	29	29	specifically	specifically	ADV
fsr-3455	29	30	addressing	address	VERB
fsr-3455	29	31	the	the	DET
fsr-3455	29	32	roles	role	NOUN
fsr-3455	29	33	of	of	ADP
fsr-3455	29	34	objective	objective	ADJ
fsr-3455	29	35	financial	financial	ADJ
fsr-3455	29	36	knowledge	knowledge	NOUN
fsr-3455	29	37	,	,	PUNCT
fsr-3455	29	38	financial	financial	ADJ
fsr-3455	29	39	management	management	NOUN
fsr-3455	29	40	,	,	PUNCT
fsr-3455	29	41	and	and	CCONJ
fsr-3455	29	42	financial	financial	ADJ
fsr-3455	29	43	self	self	NOUN
fsr-3455	29	44	-	-	PUNCT
fsr-3455	29	45	efficacy	efficacy	NOUN
fsr-3455	29	46	regarding	regard	VERB
fsr-3455	29	47	african	african	PROPN
fsr-3455	29	48	american	american	PROPN
fsr-3455	29	49	college	college	PROPN
fsr-3455	29	50	students	student	NOUN
fsr-3455	29	51	’	’	PART
fsr-3455	29	52	financial	financial	ADJ
fsr-3455	29	53	literacy	literacy	NOUN
fsr-3455	29	54	(	(	PUNCT
fsr-3455	29	55	alhenawi	alhenawi	NOUN
fsr-3455	29	56	&	&	CCONJ
fsr-3455	29	57	elkhal	elkhal	PROPN
fsr-3455	29	58	,	,	PUNCT
fsr-3455	29	59	2013	2013	NUM
fsr-3455	29	60	;	;	PUNCT
fsr-3455	29	61	lown	lown	PROPN
fsr-3455	29	62	,	,	PUNCT
fsr-3455	29	63	2011	2011	NUM
fsr-3455	29	64	)	)	PUNCT
fsr-3455	29	65	.	.	PUNCT
fsr-3455	30	1	whereas	whereas	SCONJ
fsr-3455	30	2	many	many	ADJ
fsr-3455	30	3	studies	study	NOUN
fsr-3455	30	4	use	use	VERB
fsr-3455	30	5	financial	financial	ADJ
fsr-3455	30	6	literacy	literacy	NOUN
fsr-3455	30	7	as	as	ADP
fsr-3455	30	8	an	an	DET
fsr-3455	30	9	input	input	NOUN
fsr-3455	30	10	variable	variable	NOUN
fsr-3455	30	11	to	to	PART
fsr-3455	30	12	explore	explore	VERB
fsr-3455	30	13	its	its	PRON
fsr-3455	30	14	influence	influence	NOUN
fsr-3455	30	15	on	on	ADP
fsr-3455	30	16	financial	financial	ADJ
fsr-3455	30	17	behavior	behavior	NOUN
fsr-3455	30	18	,	,	PUNCT
fsr-3455	30	19	the	the	DET
fsr-3455	30	20	purpose	purpose	NOUN
fsr-3455	30	21	of	of	ADP
fsr-3455	30	22	this	this	DET
fsr-3455	30	23	article	article	NOUN
fsr-3455	30	24	is	be	AUX
fsr-3455	30	25	to	to	PART
fsr-3455	30	26	explore	explore	VERB
fsr-3455	30	27	differences	difference	NOUN
fsr-3455	30	28	in	in	ADP
fsr-3455	30	29	the	the	DET
fsr-3455	30	30	paths	path	NOUN
fsr-3455	30	31	to	to	ADP
fsr-3455	30	32	financial	financial	ADJ
fsr-3455	30	33	literacy	literacy	NOUN
fsr-3455	30	34	for	for	ADP
fsr-3455	30	35	african	african	ADJ
fsr-3455	30	36	american	american	PROPN
fsr-3455	30	37	college	college	PROPN
fsr-3455	30	38	students	student	NOUN
fsr-3455	30	39	.	.	PUNCT
fsr-3455	31	1	we	we	PRON
fsr-3455	31	2	seek	seek	VERB
fsr-3455	31	3	to	to	PART
fsr-3455	31	4	examine	examine	VERB
fsr-3455	31	5	three	three	NUM
fsr-3455	31	6	paths	path	NOUN
fsr-3455	31	7	:	:	PUNCT
fsr-3455	31	8	(	(	PUNCT
fsr-3455	31	9	1	1	X
fsr-3455	31	10	)	)	PUNCT
fsr-3455	31	11	the	the	DET
fsr-3455	31	12	path	path	NOUN
fsr-3455	31	13	from	from	ADP
fsr-3455	31	14	objective	objective	ADJ
fsr-3455	31	15	financial	financial	ADJ
fsr-3455	31	16	knowledge	knowledge	NOUN
fsr-3455	31	17	to	to	ADP
fsr-3455	31	18	financial	financial	ADJ
fsr-3455	31	19	self	self	NOUN
fsr-3455	31	20	-	-	PUNCT
fsr-3455	31	21	efficacy	efficacy	NOUN
fsr-3455	31	22	,	,	PUNCT
fsr-3455	31	23	(	(	PUNCT
fsr-3455	31	24	2	2	X
fsr-3455	31	25	)	)	PUNCT
fsr-3455	31	26	the	the	DET
fsr-3455	31	27	path	path	NOUN
fsr-3455	31	28	from	from	ADP
fsr-3455	31	29	objective	objective	ADJ
fsr-3455	31	30	financial	financial	ADJ
fsr-3455	31	31	knowledge	knowledge	NOUN
fsr-3455	31	32	to	to	ADP
fsr-3455	31	33	financial	financial	ADJ
fsr-3455	31	34	management	management	NOUN
fsr-3455	31	35	,	,	PUNCT
fsr-3455	31	36	and	and	CCONJ
fsr-3455	31	37	(	(	PUNCT
fsr-3455	31	38	3	3	X
fsr-3455	31	39	)	)	PUNCT
fsr-3455	31	40	the	the	DET
fsr-3455	31	41	path	path	NOUN
fsr-3455	31	42	from	from	ADP
fsr-3455	31	43	financial	financial	ADJ
fsr-3455	31	44	management	management	NOUN
fsr-3455	31	45	to	to	ADP
fsr-3455	31	46	financial	financial	ADJ
fsr-3455	31	47	self	self	NOUN
fsr-3455	31	48	-	-	PUNCT
fsr-3455	31	49	efficacy	efficacy	NOUN
fsr-3455	31	50	.	.	PUNCT
fsr-3455	32	1	our	our	PRON
fsr-3455	32	2	contribution	contribution	NOUN
fsr-3455	32	3	is	be	AUX
fsr-3455	32	4	a	a	DET
fsr-3455	32	5	comparison	comparison	NOUN
fsr-3455	32	6	of	of	ADP
fsr-3455	32	7	african	african	ADJ
fsr-3455	32	8	american	american	PROPN
fsr-3455	32	9	college	college	PROPN
fsr-3455	32	10	students	student	NOUN
fsr-3455	32	11	to	to	ADP
fsr-3455	32	12	their	their	PRON
fsr-3455	32	13	peers	peer	NOUN
fsr-3455	32	14	in	in	ADP
fsr-3455	32	15	regards	regard	NOUN
fsr-3455	32	16	to	to	ADP
fsr-3455	32	17	objective	objective	ADJ
fsr-3455	32	18	financial	financial	ADJ
fsr-3455	32	19	knowledge	knowledge	NOUN
fsr-3455	32	20	,	,	PUNCT
fsr-3455	32	21	financial	financial	ADJ
fsr-3455	32	22	self	self	NOUN
fsr-3455	32	23	-	-	PUNCT
fsr-3455	32	24	efficacy	efficacy	NOUN
fsr-3455	32	25	,	,	PUNCT
fsr-3455	32	26	and	and	CCONJ
fsr-3455	32	27	financial	financial	ADJ
fsr-3455	32	28	management	management	NOUN
fsr-3455	32	29	experiences	experience	NOUN
fsr-3455	32	30	.	.	PUNCT
fsr-3455	33	1	ultimately	ultimately	ADV
fsr-3455	33	2	the	the	DET
fsr-3455	33	3	study	study	NOUN
fsr-3455	33	4	seeks	seek	VERB
fsr-3455	33	5	to	to	PART
fsr-3455	33	6	understand	understand	VERB
fsr-3455	33	7	how	how	SCONJ
fsr-3455	33	8	african	african	ADJ
fsr-3455	33	9	american	american	PROPN
fsr-3455	33	10	college	college	PROPN
fsr-3455	33	11	students	student	NOUN
fsr-3455	33	12	become	become	VERB
fsr-3455	33	13	financially	financially	ADV
fsr-3455	33	14	literate	literate	ADJ
fsr-3455	33	15	individuals	individual	NOUN
fsr-3455	33	16	.	.	PUNCT
fsr-3455	34	1	the	the	DET
fsr-3455	34	2	article	article	NOUN
fsr-3455	34	3	is	be	AUX
fsr-3455	34	4	organized	organize	VERB
fsr-3455	34	5	as	as	SCONJ
fsr-3455	34	6	follows	follow	VERB
fsr-3455	34	7	:	:	PUNCT
fsr-3455	34	8	section	section	NOUN
fsr-3455	34	9	2	2	NUM
fsr-3455	34	10	introduces	introduce	VERB
fsr-3455	34	11	the	the	DET
fsr-3455	34	12	conceptual	conceptual	ADJ
fsr-3455	34	13	framework	framework	NOUN
fsr-3455	34	14	and	and	CCONJ
fsr-3455	34	15	hypotheses	hypothesis	NOUN
fsr-3455	34	16	;	;	PUNCT
fsr-3455	34	17	section	section	NOUN
fsr-3455	34	18	3	3	NUM
fsr-3455	34	19	describes	describe	VERB
fsr-3455	34	20	the	the	DET
fsr-3455	34	21	data	datum	NOUN
fsr-3455	34	22	and	and	CCONJ
fsr-3455	34	23	measures	measure	NOUN
fsr-3455	34	24	;	;	PUNCT
fsr-3455	34	25	section	section	NOUN
fsr-3455	34	26	4	4	NUM
fsr-3455	34	27	presents	present	VERB
fsr-3455	34	28	the	the	DET
fsr-3455	34	29	results	result	NOUN
fsr-3455	34	30	;	;	PUNCT
fsr-3455	34	31	and	and	CCONJ
fsr-3455	34	32	section	section	NOUN
fsr-3455	34	33	5	5	NUM
fsr-3455	34	34	is	be	AUX
fsr-3455	34	35	the	the	DET
fsr-3455	34	36	discussion	discussion	NOUN
fsr-3455	34	37	,	,	PUNCT
fsr-3455	34	38	and	and	CCONJ
fsr-3455	34	39	section	section	NOUN
fsr-3455	34	40	6	6	NUM
fsr-3455	34	41	concludes	conclude	VERB
fsr-3455	34	42	the	the	DET
fsr-3455	34	43	article	article	NOUN
fsr-3455	34	44	.	.	PUNCT
fsr-3455	35	1	170	170	NUM
fsr-3455	35	2	k.	k.	PROPN
fsr-3455	35	3	white	white	PROPN
fsr-3455	35	4	et	et	PROPN
fsr-3455	35	5	al	al	PROPN
fsr-3455	35	6	.	.	PUNCT
fsr-3455	35	7	/	/	SYM
fsr-3455	35	8	financial	financial	ADJ
fsr-3455	35	9	services	service	NOUN
fsr-3455	35	10	review	review	VERB
fsr-3455	35	11	29	29	NUM
fsr-3455	35	12	(	(	PUNCT
fsr-3455	35	13	2021	2021	NUM
fsr-3455	35	14	)	)	PUNCT
fsr-3455	35	15	169–185	169–185	NUM
fsr-3455	35	16	2	2	NUM
fsr-3455	35	17	.	.	PUNCT
fsr-3455	35	18	conceptual	conceptual	ADJ
fsr-3455	35	19	framework	framework	NOUN
fsr-3455	35	20	and	and	CCONJ
fsr-3455	35	21	hypotheses	hypothesis	NOUN
fsr-3455	35	22	2.1	2.1	NUM
fsr-3455	35	23	.	.	PUNCT
fsr-3455	36	1	the	the	DET
fsr-3455	36	2	huston	huston	PROPN
fsr-3455	36	3	framework	framework	NOUN
fsr-3455	36	4	of	of	ADP
fsr-3455	36	5	financial	financial	ADJ
fsr-3455	36	6	literacy	literacy	NOUN
fsr-3455	36	7	when	when	SCONJ
fsr-3455	36	8	defining	define	VERB
fsr-3455	36	9	what	what	PRON
fsr-3455	36	10	it	it	PRON
fsr-3455	36	11	means	mean	VERB
fsr-3455	36	12	to	to	PART
fsr-3455	36	13	be	be	AUX
fsr-3455	36	14	a	a	DET
fsr-3455	36	15	financially	financially	ADV
fsr-3455	36	16	literate	literate	ADJ
fsr-3455	36	17	individual	individual	NOUN
fsr-3455	36	18	,	,	PUNCT
fsr-3455	36	19	huston	huston	PROPN
fsr-3455	36	20	(	(	PUNCT
fsr-3455	36	21	2010	2010	NUM
fsr-3455	36	22	)	)	PUNCT
fsr-3455	36	23	presents	present	VERB
fsr-3455	36	24	two	two	NUM
fsr-3455	36	25	components	component	NOUN
fsr-3455	36	26	,	,	PUNCT
fsr-3455	36	27	knowledge	knowledge	NOUN
fsr-3455	36	28	(	(	PUNCT
fsr-3455	36	29	objective	objective	ADJ
fsr-3455	36	30	financial	financial	ADJ
fsr-3455	36	31	knowledge	knowledge	NOUN
fsr-3455	36	32	)	)	PUNCT
fsr-3455	36	33	and	and	CCONJ
fsr-3455	36	34	application	application	NOUN
fsr-3455	36	35	(	(	PUNCT
fsr-3455	36	36	financial	financial	ADJ
fsr-3455	36	37	management	management	NOUN
fsr-3455	36	38	ability	ability	NOUN
fsr-3455	36	39	and	and	CCONJ
fsr-3455	36	40	financial	financial	ADJ
fsr-3455	36	41	self	self	NOUN
fsr-3455	36	42	-	-	PUNCT
fsr-3455	36	43	efficacy	efficacy	NOUN
fsr-3455	36	44	)	)	PUNCT
fsr-3455	36	45	.	.	PUNCT
fsr-3455	37	1	huston	huston	PROPN
fsr-3455	37	2	(	(	PUNCT
fsr-3455	37	3	2010	2010	NUM
fsr-3455	37	4	)	)	PUNCT
fsr-3455	37	5	carefully	carefully	ADV
fsr-3455	37	6	distinguishes	distinguish	VERB
fsr-3455	37	7	objective	objective	ADJ
fsr-3455	37	8	financial	financial	ADJ
fsr-3455	37	9	knowledge	knowledge	NOUN
fsr-3455	37	10	as	as	ADP
fsr-3455	37	11	an	an	DET
fsr-3455	37	12	integral	integral	ADJ
fsr-3455	37	13	component	component	NOUN
fsr-3455	37	14	of	of	ADP
fsr-3455	37	15	financial	financial	ADJ
fsr-3455	37	16	literacy	literacy	NOUN
fsr-3455	37	17	,	,	PUNCT
fsr-3455	37	18	but	but	CCONJ
fsr-3455	37	19	not	not	PART
fsr-3455	37	20	equivalent	equivalent	ADJ
fsr-3455	37	21	to	to	ADP
fsr-3455	37	22	financial	financial	ADJ
fsr-3455	37	23	literacy	literacy	NOUN
fsr-3455	37	24	.	.	PUNCT
fsr-3455	38	1	objective	objective	ADJ
fsr-3455	38	2	financial	financial	ADJ
fsr-3455	38	3	knowledge	knowledge	NOUN
fsr-3455	38	4	is	be	AUX
fsr-3455	38	5	acquired	acquire	VERB
fsr-3455	38	6	through	through	ADP
fsr-3455	38	7	both	both	PRON
fsr-3455	38	8	formal	formal	ADJ
fsr-3455	38	9	financial	financial	ADJ
fsr-3455	38	10	education	education	NOUN
fsr-3455	38	11	and	and	CCONJ
fsr-3455	38	12	and/or	and/or	CCONJ
fsr-3455	38	13	the	the	DET
fsr-3455	38	14	experience	experience	NOUN
fsr-3455	38	15	of	of	ADP
fsr-3455	38	16	using	use	VERB
fsr-3455	38	17	financial	financial	ADJ
fsr-3455	38	18	concepts	concept	NOUN
fsr-3455	38	19	to	to	PART
fsr-3455	38	20	manage	manage	VERB
fsr-3455	38	21	one	one	NUM
fsr-3455	38	22	’s	’s	PART
fsr-3455	38	23	personal	personal	ADJ
fsr-3455	38	24	finances	finance	NOUN
fsr-3455	38	25	(	(	PUNCT
fsr-3455	38	26	financial	financial	ADJ
fsr-3455	38	27	management	management	NOUN
fsr-3455	38	28	experience	experience	NOUN
fsr-3455	38	29	)	)	PUNCT
fsr-3455	38	30	(	(	PUNCT
fsr-3455	38	31	bapat	bapat	NOUN
fsr-3455	38	32	,	,	PUNCT
fsr-3455	38	33	2019	2019	NUM
fsr-3455	38	34	;	;	PUNCT
fsr-3455	38	35	huston	huston	PROPN
fsr-3455	38	36	,	,	PUNCT
fsr-3455	38	37	2010	2010	NUM
fsr-3455	38	38	)	)	PUNCT
fsr-3455	38	39	.	.	PUNCT
fsr-3455	39	1	huston	huston	PROPN
fsr-3455	39	2	(	(	PUNCT
fsr-3455	39	3	2010	2010	NUM
fsr-3455	39	4	)	)	PUNCT
fsr-3455	39	5	goes	go	VERB
fsr-3455	39	6	on	on	ADP
fsr-3455	39	7	to	to	PART
fsr-3455	39	8	explain	explain	VERB
fsr-3455	39	9	that	that	SCONJ
fsr-3455	39	10	application	application	NOUN
fsr-3455	39	11	is	be	AUX
fsr-3455	39	12	a	a	DET
fsr-3455	39	13	combination	combination	NOUN
fsr-3455	39	14	of	of	ADP
fsr-3455	39	15	ability	ability	NOUN
fsr-3455	39	16	and	and	CCONJ
fsr-3455	39	17	confidence	confidence	NOUN
fsr-3455	39	18	to	to	PART
fsr-3455	39	19	apply	apply	VERB
fsr-3455	39	20	knowledge	knowledge	NOUN
fsr-3455	39	21	(	(	PUNCT
fsr-3455	39	22	e.g.	e.g.	ADV
fsr-3455	39	23	,	,	PUNCT
fsr-3455	39	24	financial	financial	ADJ
fsr-3455	39	25	self	self	NOUN
fsr-3455	39	26	-	-	PUNCT
fsr-3455	39	27	efficacy	efficacy	NOUN
fsr-3455	39	28	;	;	PUNCT
fsr-3455	39	29	bandura	bandura	NOUN
fsr-3455	39	30	,	,	PUNCT
fsr-3455	39	31	1997	1997	NUM
fsr-3455	39	32	)	)	PUNCT
fsr-3455	39	33	.	.	PUNCT
fsr-3455	40	1	according	accord	VERB
fsr-3455	40	2	to	to	ADP
fsr-3455	40	3	huston	huston	PROPN
fsr-3455	40	4	(	(	PUNCT
fsr-3455	40	5	2010	2010	NUM
fsr-3455	40	6	)	)	PUNCT
fsr-3455	40	7	,	,	PUNCT
fsr-3455	40	8	financially	financially	ADV
fsr-3455	40	9	literate	literate	ADJ
fsr-3455	40	10	individuals	individual	NOUN
fsr-3455	40	11	know	know	VERB
fsr-3455	40	12	information	information	NOUN
fsr-3455	40	13	(	(	PUNCT
fsr-3455	40	14	objective	objective	ADJ
fsr-3455	40	15	financial	financial	ADJ
fsr-3455	40	16	knowledge	knowledge	NOUN
fsr-3455	40	17	)	)	PUNCT
fsr-3455	40	18	and	and	CCONJ
fsr-3455	40	19	apply	apply	VERB
fsr-3455	40	20	it	it	PRON
fsr-3455	40	21	appropriately	appropriately	ADV
fsr-3455	40	22	(	(	PUNCT
fsr-3455	40	23	financial	financial	ADJ
fsr-3455	40	24	management	management	NOUN
fsr-3455	40	25	)	)	PUNCT
fsr-3455	40	26	and	and	CCONJ
fsr-3455	40	27	confidently	confidently	ADV
fsr-3455	40	28	(	(	PUNCT
fsr-3455	40	29	financial	financial	ADJ
fsr-3455	40	30	self	self	NOUN
fsr-3455	40	31	-	-	PUNCT
fsr-3455	40	32	efficacy	efficacy	NOUN
fsr-3455	40	33	)	)	PUNCT
fsr-3455	40	34	.	.	PUNCT
fsr-3455	41	1	financial	financial	ADJ
fsr-3455	41	2	self	self	NOUN
fsr-3455	41	3	-	-	PUNCT
fsr-3455	41	4	efficacy	efficacy	NOUN
fsr-3455	41	5	is	be	AUX
fsr-3455	41	6	a	a	DET
fsr-3455	41	7	necessary	necessary	ADJ
fsr-3455	41	8	component	component	NOUN
fsr-3455	41	9	of	of	ADP
fsr-3455	41	10	literacy	literacy	NOUN
fsr-3455	41	11	;	;	PUNCT
fsr-3455	41	12	the	the	DET
fsr-3455	41	13	question	question	NOUN
fsr-3455	41	14	remains	remain	VERB
fsr-3455	41	15	if	if	SCONJ
fsr-3455	41	16	financial	financial	ADJ
fsr-3455	41	17	self	self	NOUN
fsr-3455	41	18	-	-	PUNCT
fsr-3455	41	19	efficacy	efficacy	NOUN
fsr-3455	41	20	is	be	AUX
fsr-3455	41	21	built	build	VERB
fsr-3455	41	22	through	through	ADP
fsr-3455	41	23	knowledge	knowledge	NOUN
fsr-3455	41	24	or	or	CCONJ
fsr-3455	41	25	experience	experience	NOUN
fsr-3455	41	26	.	.	PUNCT
fsr-3455	42	1	please	please	INTJ
fsr-3455	42	2	see	see	VERB
fsr-3455	42	3	fig	fig	NOUN
fsr-3455	42	4	.	.	PUNCT
fsr-3455	42	5	1	1	NUM
fsr-3455	42	6	for	for	ADP
fsr-3455	42	7	a	a	DET
fsr-3455	42	8	visual	visual	ADJ
fsr-3455	42	9	depiction	depiction	NOUN
fsr-3455	42	10	of	of	ADP
fsr-3455	42	11	this	this	DET
fsr-3455	42	12	operationalization	operationalization	NOUN
fsr-3455	42	13	of	of	ADP
fsr-3455	42	14	financial	financial	ADJ
fsr-3455	42	15	literacy	literacy	NOUN
fsr-3455	42	16	.	.	PUNCT
fsr-3455	43	1	2.1.1	2.1.1	X
fsr-3455	43	2	.	.	PUNCT
fsr-3455	43	3	financial	financial	ADJ
fsr-3455	43	4	knowledge	knowledge	NOUN
fsr-3455	43	5	the	the	DET
fsr-3455	43	6	huston	huston	PROPN
fsr-3455	43	7	(	(	PUNCT
fsr-3455	43	8	2010	2010	NUM
fsr-3455	43	9	)	)	PUNCT
fsr-3455	43	10	framework	framework	NOUN
fsr-3455	43	11	has	have	AUX
fsr-3455	43	12	been	be	AUX
fsr-3455	43	13	used	use	VERB
fsr-3455	43	14	in	in	ADP
fsr-3455	43	15	other	other	ADJ
fsr-3455	43	16	studies	study	NOUN
fsr-3455	43	17	to	to	PART
fsr-3455	43	18	highlight	highlight	VERB
fsr-3455	43	19	the	the	DET
fsr-3455	43	20	importance	importance	NOUN
fsr-3455	43	21	of	of	ADP
fsr-3455	43	22	the	the	DET
fsr-3455	43	23	link	link	NOUN
fsr-3455	43	24	between	between	ADP
fsr-3455	43	25	objective	objective	ADJ
fsr-3455	43	26	financial	financial	ADJ
fsr-3455	43	27	knowledge	knowledge	NOUN
fsr-3455	43	28	and	and	CCONJ
fsr-3455	43	29	management	management	NOUN
fsr-3455	43	30	(	(	PUNCT
fsr-3455	43	31	alhenawi	alhenawi	NOUN
fsr-3455	43	32	&	&	CCONJ
fsr-3455	43	33	elkhal	elkhal	PROPN
fsr-3455	43	34	,	,	PUNCT
fsr-3455	43	35	2013	2013	NUM
fsr-3455	43	36	;	;	PUNCT
fsr-3455	43	37	asaad	asaad	VERB
fsr-3455	43	38	,	,	PUNCT
fsr-3455	43	39	2015	2015	NUM
fsr-3455	43	40	;	;	PUNCT
fsr-3455	43	41	henager	henager	NOUN
fsr-3455	43	42	&	&	CCONJ
fsr-3455	43	43	cude	cude	ADJ
fsr-3455	43	44	,	,	PUNCT
fsr-3455	43	45	2016	2016	NUM
fsr-3455	43	46	;	;	PUNCT
fsr-3455	43	47	seay	seay	PROPN
fsr-3455	43	48	,	,	PUNCT
fsr-3455	43	49	kim	kim	PROPN
fsr-3455	43	50	,	,	PUNCT
fsr-3455	43	51	&	&	CCONJ
fsr-3455	43	52	heckman	heckman	PROPN
fsr-3455	43	53	,	,	PUNCT
fsr-3455	43	54	2016	2016	NUM
fsr-3455	43	55	;	;	PUNCT
fsr-3455	43	56	seay	seay	PROPN
fsr-3455	43	57	,	,	PUNCT
fsr-3455	43	58	preece	preece	PROPN
fsr-3455	43	59	,	,	PUNCT
fsr-3455	43	60	&	&	CCONJ
fsr-3455	43	61	le	le	PROPN
fsr-3455	43	62	,	,	PUNCT
fsr-3455	43	63	2017	2017	NUM
fsr-3455	43	64	)	)	PUNCT
fsr-3455	43	65	.	.	PUNCT
fsr-3455	44	1	research	research	NOUN
fsr-3455	44	2	consistently	consistently	ADV
fsr-3455	44	3	shows	show	VERB
fsr-3455	44	4	that	that	SCONJ
fsr-3455	44	5	there	there	PRON
fsr-3455	44	6	is	be	VERB
fsr-3455	44	7	a	a	DET
fsr-3455	44	8	positive	positive	ADJ
fsr-3455	44	9	relationship	relationship	NOUN
fsr-3455	44	10	between	between	ADP
fsr-3455	44	11	objective	objective	ADJ
fsr-3455	44	12	financial	financial	ADJ
fsr-3455	44	13	knowledge	knowledge	NOUN
fsr-3455	44	14	and	and	CCONJ
fsr-3455	44	15	financial	financial	ADJ
fsr-3455	44	16	outcomes	outcome	NOUN
fsr-3455	44	17	.	.	PUNCT
fsr-3455	45	1	as	as	ADP
fsr-3455	45	2	individuals	individual	NOUN
fsr-3455	45	3	’	'	PUNCT
fsr-3455	45	4	objective	objective	ADJ
fsr-3455	45	5	financial	financial	ADJ
fsr-3455	45	6	knowledge	knowledge	NOUN
fsr-3455	45	7	increases	increase	NOUN
fsr-3455	45	8	,	,	PUNCT
fsr-3455	45	9	they	they	PRON
fsr-3455	45	10	are	be	AUX
fsr-3455	45	11	less	less	ADV
fsr-3455	45	12	likely	likely	ADJ
fsr-3455	45	13	to	to	PART
fsr-3455	45	14	report	report	VERB
fsr-3455	45	15	over	over	ADP
fsr-3455	45	16	-	-	PUNCT
fsr-3455	45	17	indebtedness	indebtedness	NOUN
fsr-3455	45	18	(	(	PUNCT
fsr-3455	45	19	varum	varum	NOUN
fsr-3455	45	20	&	&	CCONJ
fsr-3455	45	21	kolyban	kolyban	PROPN
fsr-3455	45	22	,	,	PUNCT
fsr-3455	45	23	2014	2014	NUM
fsr-3455	45	24	)	)	PUNCT
fsr-3455	45	25	and	and	CCONJ
fsr-3455	45	26	experience	experience	VERB
fsr-3455	45	27	financial	financial	ADJ
fsr-3455	45	28	distress	distress	NOUN
fsr-3455	45	29	associated	associate	VERB
fsr-3455	45	30	with	with	ADP
fsr-3455	45	31	paying	pay	VERB
fsr-3455	45	32	bills	bill	NOUN
fsr-3455	45	33	(	(	PUNCT
fsr-3455	45	34	scott	scott	PROPN
fsr-3455	45	35	,	,	PUNCT
fsr-3455	45	36	vu	vu	PROPN
fsr-3455	45	37	,	,	PUNCT
fsr-3455	45	38	cheng	cheng	PROPN
fsr-3455	45	39	,	,	PUNCT
fsr-3455	45	40	&	&	CCONJ
fsr-3455	45	41	gibson	gibson	PROPN
fsr-3455	45	42	,	,	PUNCT
fsr-3455	45	43	fig	fig	NOUN
fsr-3455	45	44	.	.	PUNCT
fsr-3455	46	1	1	1	X
fsr-3455	46	2	.	.	X
fsr-3455	46	3	operationalizing	operationalize	VERB
fsr-3455	46	4	financial	financial	ADJ
fsr-3455	46	5	literacy	literacy	NOUN
fsr-3455	46	6	based	base	VERB
fsr-3455	46	7	on	on	ADP
fsr-3455	46	8	huston	huston	PROPN
fsr-3455	46	9	(	(	PUNCT
fsr-3455	46	10	2010	2010	NUM
fsr-3455	46	11	)	)	PUNCT
fsr-3455	46	12	.	.	PUNCT
fsr-3455	47	1	k.	k.	PROPN
fsr-3455	47	2	white	white	PROPN
fsr-3455	47	3	et	et	PROPN
fsr-3455	47	4	al	al	PROPN
fsr-3455	47	5	.	.	PUNCT
fsr-3455	47	6	/	/	SYM
fsr-3455	47	7	financial	financial	ADJ
fsr-3455	47	8	services	service	NOUN
fsr-3455	47	9	review	review	VERB
fsr-3455	47	10	29	29	NUM
fsr-3455	47	11	(	(	PUNCT
fsr-3455	47	12	2021	2021	NUM
fsr-3455	47	13	)	)	PUNCT
fsr-3455	48	1	169–185	169–185	NUM
fsr-3455	48	2	171	171	NUM
fsr-3455	48	3	2018	2018	NUM
fsr-3455	48	4	)	)	PUNCT
fsr-3455	48	5	.	.	PUNCT
fsr-3455	49	1	conversely	conversely	ADV
fsr-3455	49	2	,	,	PUNCT
fsr-3455	49	3	they	they	PRON
fsr-3455	49	4	are	be	AUX
fsr-3455	49	5	more	more	ADV
fsr-3455	49	6	likely	likely	ADJ
fsr-3455	49	7	to	to	PART
fsr-3455	49	8	report	report	VERB
fsr-3455	49	9	higher	high	ADJ
fsr-3455	49	10	monthly	monthly	ADJ
fsr-3455	49	11	income	income	NOUN
fsr-3455	49	12	(	(	PUNCT
fsr-3455	49	13	varum	varum	NOUN
fsr-3455	49	14	&	&	CCONJ
fsr-3455	49	15	kolyban	kolyban	PROPN
fsr-3455	49	16	,	,	PUNCT
fsr-3455	49	17	2014	2014	NUM
fsr-3455	49	18	)	)	PUNCT
fsr-3455	49	19	and	and	CCONJ
fsr-3455	49	20	are	be	AUX
fsr-3455	49	21	more	more	ADV
fsr-3455	49	22	willing	willing	ADJ
fsr-3455	49	23	to	to	PART
fsr-3455	49	24	take	take	VERB
fsr-3455	49	25	on	on	ADP
fsr-3455	49	26	investment	investment	NOUN
fsr-3455	49	27	risks	risk	NOUN
fsr-3455	49	28	(	(	PUNCT
fsr-3455	49	29	chung	chung	PROPN
fsr-3455	49	30	&	&	CCONJ
fsr-3455	49	31	park	park	PROPN
fsr-3455	49	32	,	,	PUNCT
fsr-3455	49	33	2015	2015	NUM
fsr-3455	49	34	)	)	PUNCT
fsr-3455	49	35	.	.	PUNCT
fsr-3455	50	1	examining	examine	VERB
fsr-3455	50	2	the	the	DET
fsr-3455	50	3	role	role	NOUN
fsr-3455	50	4	of	of	ADP
fsr-3455	50	5	objective	objective	ADJ
fsr-3455	50	6	financial	financial	ADJ
fsr-3455	50	7	knowledge	knowledge	NOUN
fsr-3455	50	8	for	for	ADP
fsr-3455	50	9	african	african	ADJ
fsr-3455	50	10	american	american	ADJ
fsr-3455	50	11	students	student	NOUN
fsr-3455	50	12	is	be	AUX
fsr-3455	50	13	critical	critical	ADJ
fsr-3455	50	14	for	for	ADP
fsr-3455	50	15	understanding	understand	VERB
fsr-3455	50	16	the	the	DET
fsr-3455	50	17	factors	factor	NOUN
fsr-3455	50	18	associated	associate	VERB
fsr-3455	50	19	with	with	ADP
fsr-3455	50	20	this	this	DET
fsr-3455	50	21	group	group	NOUN
fsr-3455	50	22	’s	’s	PART
fsr-3455	50	23	financial	financial	ADJ
fsr-3455	50	24	literacy	literacy	NOUN
fsr-3455	50	25	.	.	PUNCT
fsr-3455	51	1	research	research	NOUN
fsr-3455	51	2	notes	note	VERB
fsr-3455	51	3	that	that	SCONJ
fsr-3455	51	4	african	african	ADJ
fsr-3455	51	5	americans	americans	PROPN
fsr-3455	51	6	feel	feel	VERB
fsr-3455	51	7	less	less	ADV
fsr-3455	51	8	financially	financially	ADV
fsr-3455	51	9	knowledgeable	knowledgeable	ADJ
fsr-3455	51	10	than	than	ADP
fsr-3455	51	11	their	their	PRON
fsr-3455	51	12	white	white	ADJ
fsr-3455	51	13	peers	peer	NOUN
fsr-3455	51	14	(	(	PUNCT
fsr-3455	51	15	deenanath	deenanath	NOUN
fsr-3455	51	16	,	,	PUNCT
fsr-3455	51	17	danes	dane	NOUN
fsr-3455	51	18	,	,	PUNCT
fsr-3455	51	19	&	&	CCONJ
fsr-3455	51	20	jang	jang	PROPN
fsr-3455	51	21	,	,	PUNCT
fsr-3455	51	22	2019	2019	NUM
fsr-3455	51	23	;	;	PUNCT
fsr-3455	51	24	o’connor	o’connor	ADV
fsr-3455	51	25	,	,	PUNCT
fsr-3455	51	26	2019	2019	NUM
fsr-3455	51	27	)	)	PUNCT
fsr-3455	51	28	and	and	CCONJ
fsr-3455	51	29	are	be	AUX
fsr-3455	51	30	often	often	ADV
fsr-3455	51	31	less	less	ADV
fsr-3455	51	32	financially	financially	ADV
fsr-3455	51	33	literate	literate	ADJ
fsr-3455	51	34	when	when	SCONJ
fsr-3455	51	35	compared	compare	VERB
fsr-3455	51	36	with	with	ADP
fsr-3455	51	37	whites	white	NOUN
fsr-3455	51	38	(	(	PUNCT
fsr-3455	51	39	killins	killin	NOUN
fsr-3455	51	40	,	,	PUNCT
fsr-3455	51	41	2017	2017	NUM
fsr-3455	51	42	)	)	PUNCT
fsr-3455	51	43	.	.	PUNCT
fsr-3455	52	1	mimura	mimura	PROPN
fsr-3455	52	2	et	et	PROPN
fsr-3455	52	3	al	al	PROPN
fsr-3455	52	4	.	.	PROPN
fsr-3455	53	1	(	(	PUNCT
fsr-3455	53	2	2015	2015	NUM
fsr-3455	53	3	)	)	PUNCT
fsr-3455	53	4	conclude	conclude	VERB
fsr-3455	53	5	that	that	SCONJ
fsr-3455	53	6	parental	parental	ADJ
fsr-3455	53	7	influence	influence	NOUN
fsr-3455	53	8	was	be	AUX
fsr-3455	53	9	a	a	DET
fsr-3455	53	10	significant	significant	ADJ
fsr-3455	53	11	factor	factor	NOUN
fsr-3455	53	12	in	in	ADP
fsr-3455	53	13	the	the	DET
fsr-3455	53	14	objective	objective	ADJ
fsr-3455	53	15	financial	financial	ADJ
fsr-3455	53	16	knowledge	knowledge	NOUN
fsr-3455	53	17	and	and	CCONJ
fsr-3455	53	18	financial	financial	ADJ
fsr-3455	53	19	practices	practice	NOUN
fsr-3455	53	20	of	of	ADP
fsr-3455	53	21	college	college	NOUN
fsr-3455	53	22	students	student	NOUN
fsr-3455	53	23	who	who	PRON
fsr-3455	53	24	are	be	AUX
fsr-3455	53	25	first	first	ADJ
fsr-3455	53	26	generation	generation	NOUN
fsr-3455	53	27	,	,	PUNCT
fsr-3455	53	28	poc	poc	NOUN
fsr-3455	53	29	,	,	PUNCT
fsr-3455	53	30	immigrant	immigrant	NOUN
fsr-3455	53	31	or	or	CCONJ
fsr-3455	53	32	children	child	NOUN
fsr-3455	53	33	of	of	ADP
fsr-3455	53	34	immigrants	immigrant	NOUN
fsr-3455	53	35	.	.	PUNCT
fsr-3455	54	1	factors	factor	NOUN
fsr-3455	54	2	such	such	ADJ
fsr-3455	54	3	as	as	ADP
fsr-3455	54	4	a	a	DET
fsr-3455	54	5	mother	mother	NOUN
fsr-3455	54	6	’s	’s	PART
fsr-3455	54	7	and	and	CCONJ
fsr-3455	54	8	father	father	NOUN
fsr-3455	54	9	’s	’s	PART
fsr-3455	54	10	highest	high	ADJ
fsr-3455	54	11	level	level	NOUN
fsr-3455	54	12	of	of	ADP
fsr-3455	54	13	education	education	NOUN
fsr-3455	54	14	are	be	AUX
fsr-3455	54	15	also	also	ADV
fsr-3455	54	16	positively	positively	ADV
fsr-3455	54	17	correlated	correlate	VERB
fsr-3455	54	18	with	with	ADP
fsr-3455	54	19	a	a	DET
fsr-3455	54	20	student	student	NOUN
fsr-3455	54	21	’s	’s	PART
fsr-3455	54	22	objective	objective	ADJ
fsr-3455	54	23	financial	financial	ADJ
fsr-3455	54	24	knowledge	knowledge	NOUN
fsr-3455	54	25	(	(	PUNCT
fsr-3455	54	26	chambers	chamber	NOUN
fsr-3455	54	27	,	,	PUNCT
fsr-3455	54	28	asarta	asarta	ADV
fsr-3455	54	29	,	,	PUNCT
fsr-3455	54	30	&	&	CCONJ
fsr-3455	54	31	farley	farley	PROPN
fsr-3455	54	32	-	-	PUNCT
fsr-3455	54	33	ripple	ripple	NOUN
fsr-3455	54	34	,	,	PUNCT
fsr-3455	54	35	2019	2019	NUM
fsr-3455	54	36	)	)	PUNCT
fsr-3455	54	37	.	.	PUNCT
fsr-3455	55	1	given	give	VERB
fsr-3455	55	2	these	these	DET
fsr-3455	55	3	factors	factor	NOUN
fsr-3455	55	4	,	,	PUNCT
fsr-3455	55	5	it	it	PRON
fsr-3455	55	6	is	be	AUX
fsr-3455	55	7	imperative	imperative	ADJ
fsr-3455	55	8	to	to	PART
fsr-3455	55	9	understand	understand	VERB
fsr-3455	55	10	how	how	SCONJ
fsr-3455	55	11	objective	objective	ADJ
fsr-3455	55	12	financial	financial	ADJ
fsr-3455	55	13	knowledge	knowledge	NOUN
fsr-3455	55	14	develops	develop	VERB
fsr-3455	55	15	and	and	CCONJ
fsr-3455	55	16	affects	affect	VERB
fsr-3455	55	17	financial	financial	ADJ
fsr-3455	55	18	literacy	literacy	NOUN
fsr-3455	55	19	among	among	ADP
fsr-3455	55	20	african	african	ADJ
fsr-3455	55	21	american	american	ADJ
fsr-3455	55	22	students	student	NOUN
fsr-3455	55	23	.	.	PUNCT
fsr-3455	56	1	2.1.2	2.1.2	X
fsr-3455	56	2	.	.	PUNCT
fsr-3455	56	3	financial	financial	ADJ
fsr-3455	56	4	management	management	NOUN
fsr-3455	56	5	sound	sound	NOUN
fsr-3455	56	6	financial	financial	ADJ
fsr-3455	56	7	management	management	NOUN
fsr-3455	56	8	encompasses	encompass	VERB
fsr-3455	56	9	budgeting	budgeting	NOUN
fsr-3455	56	10	,	,	PUNCT
fsr-3455	56	11	saving	saving	NOUN
fsr-3455	56	12	,	,	PUNCT
fsr-3455	56	13	tracking	tracking	NOUN
fsr-3455	56	14	,	,	PUNCT
fsr-3455	56	15	and	and	CCONJ
fsr-3455	56	16	spending	spend	VERB
fsr-3455	56	17	money	money	NOUN
fsr-3455	56	18	over	over	ADP
fsr-3455	56	19	time	time	NOUN
fsr-3455	56	20	while	while	SCONJ
fsr-3455	56	21	taking	take	VERB
fsr-3455	56	22	into	into	ADP
fsr-3455	56	23	account	account	NOUN
fsr-3455	56	24	future	future	ADJ
fsr-3455	56	25	needs	need	NOUN
fsr-3455	56	26	,	,	PUNCT
fsr-3455	56	27	risks	risk	NOUN
fsr-3455	56	28	,	,	PUNCT
fsr-3455	56	29	managing	manage	VERB
fsr-3455	56	30	credit	credit	NOUN
fsr-3455	56	31	,	,	PUNCT
fsr-3455	56	32	and	and	CCONJ
fsr-3455	56	33	understanding	understand	VERB
fsr-3455	56	34	long	long	ADJ
fsr-3455	56	35	-	-	PUNCT
fsr-3455	56	36	term	term	NOUN
fsr-3455	56	37	financial	financial	ADJ
fsr-3455	56	38	planning	planning	NOUN
fsr-3455	56	39	concepts	concept	NOUN
fsr-3455	56	40	such	such	ADJ
fsr-3455	56	41	as	as	ADP
fsr-3455	56	42	tax	tax	NOUN
fsr-3455	56	43	,	,	PUNCT
fsr-3455	56	44	insurance	insurance	NOUN
fsr-3455	56	45	,	,	PUNCT
fsr-3455	56	46	investing	investing	NOUN
fsr-3455	56	47	,	,	PUNCT
fsr-3455	56	48	retirement	retirement	NOUN
fsr-3455	56	49	,	,	PUNCT
fsr-3455	56	50	and	and	CCONJ
fsr-3455	56	51	estate	estate	NOUN
fsr-3455	56	52	planning	planning	NOUN
fsr-3455	56	53	needs	need	NOUN
fsr-3455	56	54	(	(	PUNCT
fsr-3455	56	55	bapat	bapat	NOUN
fsr-3455	56	56	,	,	PUNCT
fsr-3455	56	57	2019	2019	NUM
fsr-3455	56	58	;	;	PUNCT
fsr-3455	56	59	henry	henry	PROPN
fsr-3455	56	60	,	,	PUNCT
fsr-3455	56	61	weber	weber	PROPN
fsr-3455	56	62	,	,	PUNCT
fsr-3455	56	63	&	&	CCONJ
fsr-3455	56	64	yarbrough	yarbrough	PROPN
fsr-3455	56	65	,	,	PUNCT
fsr-3455	56	66	2001	2001	NUM
fsr-3455	56	67	;	;	PUNCT
fsr-3455	56	68	spuhlera	spuhlera	NOUN
fsr-3455	56	69	&	&	CCONJ
fsr-3455	56	70	dew	dew	PROPN
fsr-3455	56	71	,	,	PUNCT
fsr-3455	56	72	2019	2019	NUM
fsr-3455	56	73	)	)	PUNCT
fsr-3455	56	74	.	.	PUNCT
fsr-3455	57	1	positive	positive	ADJ
fsr-3455	57	2	relationships	relationship	NOUN
fsr-3455	57	3	exist	exist	VERB
fsr-3455	57	4	between	between	ADP
fsr-3455	57	5	sound	sound	ADJ
fsr-3455	57	6	financial	financial	ADJ
fsr-3455	57	7	management	management	NOUN
fsr-3455	57	8	and	and	CCONJ
fsr-3455	57	9	accumulated	accumulate	VERB
fsr-3455	57	10	savings	saving	NOUN
fsr-3455	57	11	;	;	PUNCT
fsr-3455	57	12	negative	negative	ADJ
fsr-3455	57	13	associations	association	NOUN
fsr-3455	57	14	exist	exist	VERB
fsr-3455	57	15	between	between	ADP
fsr-3455	57	16	sound	sound	ADJ
fsr-3455	57	17	financial	financial	ADJ
fsr-3455	57	18	management	management	NOUN
fsr-3455	57	19	and	and	CCONJ
fsr-3455	57	20	accumulated	accumulate	VERB
fsr-3455	57	21	consumer	consumer	NOUN
fsr-3455	57	22	debt	debt	NOUN
fsr-3455	57	23	(	(	PUNCT
fsr-3455	57	24	spuhlera	spuhlera	NOUN
fsr-3455	57	25	&	&	CCONJ
fsr-3455	57	26	dew	dew	PROPN
fsr-3455	57	27	,	,	PUNCT
fsr-3455	57	28	2019	2019	NUM
fsr-3455	57	29	)	)	PUNCT
fsr-3455	57	30	.	.	PUNCT
fsr-3455	58	1	bapat	bapat	PROPN
fsr-3455	58	2	(	(	PUNCT
fsr-3455	58	3	2019	2019	NUM
fsr-3455	58	4	)	)	PUNCT
fsr-3455	58	5	found	find	VERB
fsr-3455	58	6	that	that	SCONJ
fsr-3455	58	7	objective	objective	ADJ
fsr-3455	58	8	financial	financial	ADJ
fsr-3455	58	9	knowledge	knowledge	NOUN
fsr-3455	58	10	,	,	PUNCT
fsr-3455	58	11	measured	measure	VERB
fsr-3455	58	12	through	through	ADP
fsr-3455	58	13	the	the	DET
fsr-3455	58	14	ability	ability	NOUN
fsr-3455	58	15	to	to	PART
fsr-3455	58	16	answer	answer	VERB
fsr-3455	58	17	personal	personal	ADJ
fsr-3455	58	18	finance	finance	NOUN
fsr-3455	58	19	related	relate	VERB
fsr-3455	58	20	questions	question	NOUN
fsr-3455	58	21	,	,	PUNCT
fsr-3455	58	22	is	be	AUX
fsr-3455	58	23	positively	positively	ADV
fsr-3455	58	24	associated	associate	VERB
fsr-3455	58	25	with	with	ADP
fsr-3455	58	26	financial	financial	ADJ
fsr-3455	58	27	management	management	NOUN
fsr-3455	58	28	.	.	PUNCT
fsr-3455	59	1	additionally	additionally	ADV
fsr-3455	59	2	,	,	PUNCT
fsr-3455	59	3	sound	sound	ADJ
fsr-3455	59	4	financial	financial	ADJ
fsr-3455	59	5	management	management	NOUN
fsr-3455	59	6	is	be	AUX
fsr-3455	59	7	related	relate	VERB
fsr-3455	59	8	to	to	ADP
fsr-3455	59	9	reductions	reduction	NOUN
fsr-3455	59	10	in	in	ADP
fsr-3455	59	11	financial	financial	ADJ
fsr-3455	59	12	stress	stress	NOUN
fsr-3455	59	13	and	and	CCONJ
fsr-3455	59	14	increases	increase	NOUN
fsr-3455	59	15	in	in	ADP
fsr-3455	59	16	financial	financial	ADJ
fsr-3455	59	17	peace	peace	NOUN
fsr-3455	59	18	of	of	ADP
fsr-3455	59	19	mind	mind	NOUN
fsr-3455	59	20	and	and	CCONJ
fsr-3455	59	21	wellbeing	wellbee	VERB
fsr-3455	59	22	(	(	PUNCT
fsr-3455	59	23	spuhlera	spuhlera	NOUN
fsr-3455	59	24	&	&	CCONJ
fsr-3455	59	25	dew	dew	PROPN
fsr-3455	59	26	,	,	PUNCT
fsr-3455	59	27	2019	2019	NUM
fsr-3455	59	28	)	)	PUNCT
fsr-3455	59	29	.	.	PUNCT
fsr-3455	60	1	when	when	SCONJ
fsr-3455	60	2	it	it	PRON
fsr-3455	60	3	comes	come	VERB
fsr-3455	60	4	to	to	ADP
fsr-3455	60	5	financial	financial	ADJ
fsr-3455	60	6	management	management	NOUN
fsr-3455	60	7	,	,	PUNCT
fsr-3455	60	8	african	african	ADJ
fsr-3455	60	9	american	american	ADJ
fsr-3455	60	10	students	student	NOUN
fsr-3455	60	11	may	may	AUX
fsr-3455	60	12	be	be	AUX
fsr-3455	60	13	at	at	ADP
fsr-3455	60	14	a	a	DET
fsr-3455	60	15	disadvantage	disadvantage	NOUN
fsr-3455	60	16	.	.	PUNCT
fsr-3455	61	1	research	research	NOUN
fsr-3455	61	2	has	have	AUX
fsr-3455	61	3	demonstrated	demonstrate	VERB
fsr-3455	61	4	that	that	SCONJ
fsr-3455	61	5	african	african	ADJ
fsr-3455	61	6	american	american	ADJ
fsr-3455	61	7	students	student	NOUN
fsr-3455	61	8	tend	tend	VERB
fsr-3455	61	9	to	to	PART
fsr-3455	61	10	graduate	graduate	VERB
fsr-3455	61	11	with	with	ADP
fsr-3455	61	12	more	more	ADJ
fsr-3455	61	13	debt	debt	NOUN
fsr-3455	61	14	than	than	ADP
fsr-3455	61	15	their	their	PRON
fsr-3455	61	16	white	white	ADJ
fsr-3455	61	17	peers	peer	NOUN
fsr-3455	61	18	and	and	CCONJ
fsr-3455	61	19	face	face	VERB
fsr-3455	61	20	more	more	ADJ
fsr-3455	61	21	challenges	challenge	NOUN
fsr-3455	61	22	in	in	ADP
fsr-3455	61	23	the	the	DET
fsr-3455	61	24	management	management	NOUN
fsr-3455	61	25	of	of	ADP
fsr-3455	61	26	credit	credit	NOUN
fsr-3455	61	27	card	card	NOUN
fsr-3455	61	28	debt	debt	NOUN
fsr-3455	61	29	.	.	PUNCT
fsr-3455	62	1	reality	reality	NOUN
fsr-3455	62	2	education	education	NOUN
fsr-3455	62	3	and	and	CCONJ
fsr-3455	62	4	assets	asset	NOUN
fsr-3455	62	5	partnership	partnership	NOUN
fsr-3455	62	6	(	(	PUNCT
fsr-3455	62	7	reap	reap	NOUN
fsr-3455	62	8	)	)	PUNCT
fsr-3455	62	9	found	find	VERB
fsr-3455	62	10	that	that	SCONJ
fsr-3455	62	11	55	55	NUM
fsr-3455	62	12	%	%	NOUN
fsr-3455	62	13	of	of	ADP
fsr-3455	62	14	african	african	ADJ
fsr-3455	62	15	american	american	ADJ
fsr-3455	62	16	students	student	NOUN
fsr-3455	62	17	who	who	PRON
fsr-3455	62	18	have	have	VERB
fsr-3455	62	19	student	student	NOUN
fsr-3455	62	20	loans	loan	NOUN
fsr-3455	62	21	graduate	graduate	VERB
fsr-3455	62	22	with	with	ADP
fsr-3455	62	23	a	a	DET
fsr-3455	62	24	debt	debt	NOUN
fsr-3455	62	25	burden	burden	NOUN
fsr-3455	62	26	that	that	PRON
fsr-3455	62	27	is	be	AUX
fsr-3455	62	28	nearly	nearly	ADV
fsr-3455	62	29	twice	twice	ADJ
fsr-3455	62	30	fig	fig	NOUN
fsr-3455	62	31	.	.	PUNCT
fsr-3455	63	1	2	2	X
fsr-3455	63	2	.	.	X
fsr-3455	63	3	conceptual	conceptual	ADJ
fsr-3455	63	4	framework	framework	NOUN
fsr-3455	63	5	:	:	PUNCT
fsr-3455	63	6	the	the	DET
fsr-3455	63	7	relationship	relationship	NOUN
fsr-3455	63	8	between	between	ADP
fsr-3455	63	9	objective	objective	ADJ
fsr-3455	63	10	financial	financial	ADJ
fsr-3455	63	11	knowledge	knowledge	NOUN
fsr-3455	63	12	,	,	PUNCT
fsr-3455	63	13	financial	financial	ADJ
fsr-3455	63	14	management	management	NOUN
fsr-3455	63	15	,	,	PUNCT
fsr-3455	63	16	and	and	CCONJ
fsr-3455	63	17	financial	financial	ADJ
fsr-3455	63	18	self	self	NOUN
fsr-3455	63	19	-	-	PUNCT
fsr-3455	63	20	efficacy	efficacy	NOUN
fsr-3455	63	21	.	.	PUNCT
fsr-3455	64	1	172	172	NUM
fsr-3455	64	2	k.	k.	PROPN
fsr-3455	64	3	white	white	PROPN
fsr-3455	64	4	et	et	PROPN
fsr-3455	64	5	al	al	PROPN
fsr-3455	64	6	.	.	PUNCT
fsr-3455	64	7	/	/	SYM
fsr-3455	64	8	financial	financial	ADJ
fsr-3455	64	9	services	service	NOUN
fsr-3455	64	10	review	review	VERB
fsr-3455	64	11	29	29	NUM
fsr-3455	64	12	(	(	PUNCT
fsr-3455	64	13	2021	2021	NUM
fsr-3455	64	14	)	)	PUNCT
fsr-3455	64	15	169–185	169–185	NUM
fsr-3455	64	16	that	that	PRON
fsr-3455	64	17	of	of	ADP
fsr-3455	64	18	white	white	ADJ
fsr-3455	64	19	graduates	graduate	NOUN
fsr-3455	64	20	(	(	PUNCT
fsr-3455	64	21	dorrance	dorrance	PROPN
fsr-3455	64	22	&	&	CCONJ
fsr-3455	64	23	mcdaniel	mcdaniel	PROPN
fsr-3455	64	24	,	,	PUNCT
fsr-3455	64	25	2009	2009	NUM
fsr-3455	64	26	)	)	PUNCT
fsr-3455	64	27	.	.	PUNCT
fsr-3455	65	1	it	it	PRON
fsr-3455	65	2	is	be	AUX
fsr-3455	65	3	important	important	ADJ
fsr-3455	65	4	to	to	PART
fsr-3455	65	5	explore	explore	VERB
fsr-3455	65	6	if	if	SCONJ
fsr-3455	65	7	these	these	DET
fsr-3455	65	8	financial	financial	ADJ
fsr-3455	65	9	management	management	NOUN
fsr-3455	65	10	issues	issue	NOUN
fsr-3455	65	11	are	be	AUX
fsr-3455	65	12	an	an	DET
fsr-3455	65	13	artifact	artifact	NOUN
fsr-3455	65	14	of	of	ADP
fsr-3455	65	15	lacking	lack	VERB
fsr-3455	65	16	objective	objective	ADJ
fsr-3455	65	17	financial	financial	ADJ
fsr-3455	65	18	knowledge	knowledge	NOUN
fsr-3455	65	19	or	or	CCONJ
fsr-3455	65	20	other	other	ADJ
fsr-3455	65	21	issues	issue	NOUN
fsr-3455	65	22	related	relate	VERB
fsr-3455	65	23	to	to	ADP
fsr-3455	65	24	socioeconomic	socioeconomic	ADJ
fsr-3455	65	25	factors	factor	NOUN
fsr-3455	65	26	.	.	PUNCT
fsr-3455	66	1	2.1.3	2.1.3	X
fsr-3455	66	2	.	.	PUNCT
fsr-3455	66	3	financial	financial	ADJ
fsr-3455	66	4	self	self	NOUN
fsr-3455	66	5	-	-	PUNCT
fsr-3455	66	6	efficacy	efficacy	NOUN
fsr-3455	66	7	self	self	NOUN
fsr-3455	66	8	-	-	PUNCT
fsr-3455	66	9	efficacy	efficacy	NOUN
fsr-3455	66	10	is	be	AUX
fsr-3455	66	11	an	an	DET
fsr-3455	66	12	individual	individual	NOUN
fsr-3455	66	13	’s	’s	PART
fsr-3455	66	14	sense	sense	NOUN
fsr-3455	66	15	of	of	ADP
fsr-3455	66	16	confidence	confidence	NOUN
fsr-3455	66	17	in	in	ADP
fsr-3455	66	18	their	their	PRON
fsr-3455	66	19	ability	ability	NOUN
fsr-3455	66	20	to	to	PART
fsr-3455	66	21	perform	perform	VERB
fsr-3455	66	22	a	a	DET
fsr-3455	66	23	certain	certain	ADJ
fsr-3455	66	24	skill	skill	NOUN
fsr-3455	66	25	or	or	CCONJ
fsr-3455	66	26	task	task	NOUN
fsr-3455	66	27	to	to	PART
fsr-3455	66	28	obtain	obtain	VERB
fsr-3455	66	29	specific	specific	ADJ
fsr-3455	66	30	outcomes	outcome	NOUN
fsr-3455	66	31	(	(	PUNCT
fsr-3455	66	32	bandura	bandura	NOUN
fsr-3455	66	33	,	,	PUNCT
fsr-3455	66	34	1977	1977	NUM
fsr-3455	66	35	,	,	PUNCT
fsr-3455	66	36	2006	2006	NUM
fsr-3455	66	37	)	)	PUNCT
fsr-3455	66	38	.	.	PUNCT
fsr-3455	67	1	financial	financial	ADJ
fsr-3455	67	2	self	self	NOUN
fsr-3455	67	3	-	-	PUNCT
fsr-3455	67	4	efficacy	efficacy	NOUN
fsr-3455	67	5	then	then	ADV
fsr-3455	67	6	is	be	AUX
fsr-3455	67	7	one	one	NUM
fsr-3455	67	8	’s	’s	PART
fsr-3455	67	9	confidence	confidence	NOUN
fsr-3455	67	10	in	in	ADP
fsr-3455	67	11	their	their	PRON
fsr-3455	67	12	financial	financial	ADJ
fsr-3455	67	13	decision	decision	NOUN
fsr-3455	67	14	-	-	PUNCT
fsr-3455	67	15	making	make	VERB
fsr-3455	67	16	and	and	CCONJ
fsr-3455	67	17	management	management	NOUN
fsr-3455	67	18	ability	ability	NOUN
fsr-3455	67	19	(	(	PUNCT
fsr-3455	67	20	bandura	bandura	NOUN
fsr-3455	67	21	,	,	PUNCT
fsr-3455	67	22	1977	1977	NUM
fsr-3455	67	23	;	;	PUNCT
fsr-3455	67	24	farrell	farrell	PROPN
fsr-3455	67	25	,	,	PUNCT
fsr-3455	67	26	fry	fry	PROPN
fsr-3455	67	27	,	,	PUNCT
fsr-3455	67	28	&	&	CCONJ
fsr-3455	67	29	risse	risse	PROPN
fsr-3455	67	30	,	,	PUNCT
fsr-3455	67	31	2016	2016	NUM
fsr-3455	67	32	)	)	PUNCT
fsr-3455	67	33	.	.	PUNCT
fsr-3455	68	1	according	accord	VERB
fsr-3455	68	2	to	to	ADP
fsr-3455	68	3	social	social	ADJ
fsr-3455	68	4	learning	learning	NOUN
fsr-3455	68	5	theory	theory	NOUN
fsr-3455	68	6	,	,	PUNCT
fsr-3455	68	7	self	self	NOUN
fsr-3455	68	8	-	-	PUNCT
fsr-3455	68	9	efficacy	efficacy	NOUN
fsr-3455	68	10	spurs	spur	VERB
fsr-3455	68	11	individuals	individual	NOUN
fsr-3455	68	12	to	to	PART
fsr-3455	68	13	confront	confront	VERB
fsr-3455	68	14	difficult	difficult	ADJ
fsr-3455	68	15	tasks	task	NOUN
fsr-3455	68	16	,	,	PUNCT
fsr-3455	68	17	and	and	CCONJ
fsr-3455	68	18	success	success	NOUN
fsr-3455	68	19	in	in	ADP
fsr-3455	68	20	these	these	DET
fsr-3455	68	21	difficult	difficult	ADJ
fsr-3455	68	22	tasks	task	NOUN
fsr-3455	68	23	then	then	ADV
fsr-3455	68	24	expands	expand	VERB
fsr-3455	68	25	the	the	DET
fsr-3455	68	26	individual	individual	NOUN
fsr-3455	68	27	’s	’s	PART
fsr-3455	68	28	self	self	NOUN
fsr-3455	68	29	-	-	PUNCT
fsr-3455	68	30	efficacy	efficacy	NOUN
fsr-3455	68	31	(	(	PUNCT
fsr-3455	68	32	bandura	bandura	NOUN
fsr-3455	68	33	,	,	PUNCT
fsr-3455	68	34	1994	1994	NUM
fsr-3455	68	35	)	)	PUNCT
fsr-3455	68	36	.	.	PUNCT
fsr-3455	69	1	applied	apply	VERB
fsr-3455	69	2	to	to	ADP
fsr-3455	69	3	financial	financial	ADJ
fsr-3455	69	4	literacy	literacy	NOUN
fsr-3455	69	5	research	research	NOUN
fsr-3455	69	6	,	,	PUNCT
fsr-3455	69	7	there	there	PRON
fsr-3455	69	8	is	be	VERB
fsr-3455	69	9	a	a	DET
fsr-3455	69	10	bidirectional	bidirectional	ADJ
fsr-3455	69	11	relationship	relationship	NOUN
fsr-3455	69	12	between	between	ADP
fsr-3455	69	13	self	self	NOUN
fsr-3455	69	14	-	-	PUNCT
fsr-3455	69	15	efficacy	efficacy	NOUN
fsr-3455	69	16	and	and	CCONJ
fsr-3455	69	17	management	management	NOUN
fsr-3455	69	18	behaviors	behavior	NOUN
fsr-3455	69	19	.	.	PUNCT
fsr-3455	70	1	the	the	PRON
fsr-3455	70	2	more	more	ADV
fsr-3455	70	3	a	a	DET
fsr-3455	70	4	person	person	NOUN
fsr-3455	70	5	experiences	experience	VERB
fsr-3455	70	6	the	the	DET
fsr-3455	70	7	financial	financial	ADJ
fsr-3455	70	8	management	management	NOUN
fsr-3455	70	9	behavior	behavior	NOUN
fsr-3455	70	10	and	and	CCONJ
fsr-3455	70	11	succeeds	succeed	VERB
fsr-3455	70	12	(	(	PUNCT
fsr-3455	70	13	or	or	CCONJ
fsr-3455	70	14	learns	learn	VERB
fsr-3455	70	15	from	from	ADP
fsr-3455	70	16	mistakes	mistake	NOUN
fsr-3455	70	17	)	)	PUNCT
fsr-3455	70	18	the	the	PRON
fsr-3455	70	19	higher	high	ADJ
fsr-3455	70	20	their	their	PRON
fsr-3455	70	21	self	self	NOUN
fsr-3455	70	22	-	-	PUNCT
fsr-3455	70	23	efficacy	efficacy	NOUN
fsr-3455	70	24	will	will	AUX
fsr-3455	70	25	become	become	VERB
fsr-3455	70	26	.	.	PUNCT
fsr-3455	71	1	thus	thus	ADV
fsr-3455	71	2	,	,	PUNCT
fsr-3455	71	3	despite	despite	SCONJ
fsr-3455	71	4	many	many	ADJ
fsr-3455	71	5	studies	study	NOUN
fsr-3455	71	6	using	use	VERB
fsr-3455	71	7	financial	financial	ADJ
fsr-3455	71	8	self	self	NOUN
fsr-3455	71	9	-	-	PUNCT
fsr-3455	71	10	efficacy	efficacy	NOUN
fsr-3455	71	11	as	as	ADP
fsr-3455	71	12	an	an	DET
fsr-3455	71	13	outcome	outcome	NOUN
fsr-3455	71	14	variable	variable	NOUN
fsr-3455	71	15	,	,	PUNCT
fsr-3455	71	16	there	there	PRON
fsr-3455	71	17	is	be	VERB
fsr-3455	71	18	a	a	DET
fsr-3455	71	19	strong	strong	ADJ
fsr-3455	71	20	argument	argument	NOUN
fsr-3455	71	21	that	that	PRON
fsr-3455	71	22	can	can	AUX
fsr-3455	71	23	be	be	AUX
fsr-3455	71	24	made	make	VERB
fsr-3455	71	25	for	for	SCONJ
fsr-3455	71	26	it	it	PRON
fsr-3455	71	27	to	to	PART
fsr-3455	71	28	be	be	AUX
fsr-3455	71	29	a	a	DET
fsr-3455	71	30	predictor	predictor	NOUN
fsr-3455	71	31	variable	variable	NOUN
fsr-3455	71	32	.	.	PUNCT
fsr-3455	72	1	higher	high	ADJ
fsr-3455	72	2	financial	financial	ADJ
fsr-3455	72	3	self	self	NOUN
fsr-3455	72	4	-	-	PUNCT
fsr-3455	72	5	efficacy	efficacy	NOUN
fsr-3455	72	6	is	be	AUX
fsr-3455	72	7	linked	link	VERB
fsr-3455	72	8	to	to	ADP
fsr-3455	72	9	more	more	ADV
fsr-3455	72	10	productive	productive	ADJ
fsr-3455	72	11	financial	financial	ADJ
fsr-3455	72	12	behaviors	behavior	NOUN
fsr-3455	72	13	and	and	CCONJ
fsr-3455	72	14	greater	great	ADJ
fsr-3455	72	15	well	well	ADV
fsr-3455	72	16	-	-	PUNCT
fsr-3455	72	17	being	be	AUX
fsr-3455	72	18	(	(	PUNCT
fsr-3455	72	19	amatucci	amatucci	PROPN
fsr-3455	72	20	&	&	CCONJ
fsr-3455	72	21	crawley	crawley	PROPN
fsr-3455	72	22	,	,	PUNCT
fsr-3455	72	23	2011	2011	NUM
fsr-3455	72	24	;	;	PUNCT
fsr-3455	72	25	farrell	farrell	PROPN
fsr-3455	72	26	et	et	PROPN
fsr-3455	72	27	al	al	PROPN
fsr-3455	72	28	.	.	PROPN
fsr-3455	72	29	,	,	PUNCT
fsr-3455	72	30	2016	2016	NUM
fsr-3455	72	31	)	)	PUNCT
fsr-3455	72	32	.	.	PUNCT
fsr-3455	73	1	research	research	NOUN
fsr-3455	73	2	provides	provide	VERB
fsr-3455	73	3	support	support	NOUN
fsr-3455	73	4	that	that	SCONJ
fsr-3455	73	5	financial	financial	ADJ
fsr-3455	73	6	self	self	NOUN
fsr-3455	73	7	-	-	PUNCT
fsr-3455	73	8	efficacy	efficacy	NOUN
fsr-3455	73	9	is	be	AUX
fsr-3455	73	10	important	important	ADJ
fsr-3455	73	11	to	to	ADP
fsr-3455	73	12	saving	save	VERB
fsr-3455	73	13	behavior	behavior	NOUN
fsr-3455	73	14	and	and	CCONJ
fsr-3455	73	15	increases	increase	NOUN
fsr-3455	73	16	in	in	ADP
fsr-3455	73	17	net	net	ADJ
fsr-3455	73	18	worth	worth	NOUN
fsr-3455	73	19	(	(	PUNCT
fsr-3455	73	20	asebedo	asebedo	PROPN
fsr-3455	73	21	&	&	CCONJ
fsr-3455	73	22	seay	seay	PROPN
fsr-3455	73	23	,	,	PUNCT
fsr-3455	73	24	2018	2018	NUM
fsr-3455	73	25	)	)	PUNCT
fsr-3455	73	26	.	.	PUNCT
fsr-3455	74	1	students	student	NOUN
fsr-3455	74	2	who	who	PRON
fsr-3455	74	3	are	be	AUX
fsr-3455	74	4	more	more	ADV
fsr-3455	74	5	confident	confident	ADJ
fsr-3455	74	6	in	in	ADP
fsr-3455	74	7	their	their	PRON
fsr-3455	74	8	financial	financial	ADJ
fsr-3455	74	9	decision	decision	NOUN
fsr-3455	74	10	-	-	PUNCT
fsr-3455	74	11	making	making	NOUN
fsr-3455	74	12	and	and	CCONJ
fsr-3455	74	13	feel	feel	VERB
fsr-3455	74	14	more	more	ADV
fsr-3455	74	15	knowledgeable	knowledgeable	ADJ
fsr-3455	74	16	engage	engage	NOUN
fsr-3455	74	17	in	in	ADP
fsr-3455	74	18	more	more	ADV
fsr-3455	74	19	healthy	healthy	ADJ
fsr-3455	74	20	financial	financial	ADJ
fsr-3455	74	21	management	management	NOUN
fsr-3455	74	22	(	(	PUNCT
fsr-3455	74	23	deenanath	deenanath	NOUN
fsr-3455	74	24	,	,	PUNCT
fsr-3455	74	25	danes	dane	NOUN
fsr-3455	74	26	,	,	PUNCT
fsr-3455	74	27	&	&	CCONJ
fsr-3455	74	28	jang	jang	PROPN
fsr-3455	74	29	,	,	PUNCT
fsr-3455	74	30	2019	2019	NUM
fsr-3455	74	31	)	)	PUNCT
fsr-3455	74	32	.	.	PUNCT
fsr-3455	75	1	although	although	SCONJ
fsr-3455	75	2	financial	financial	ADJ
fsr-3455	75	3	self	self	NOUN
fsr-3455	75	4	-	-	PUNCT
fsr-3455	75	5	efficacy	efficacy	NOUN
fsr-3455	75	6	is	be	AUX
fsr-3455	75	7	an	an	DET
fsr-3455	75	8	important	important	ADJ
fsr-3455	75	9	component	component	NOUN
fsr-3455	75	10	of	of	ADP
fsr-3455	75	11	financial	financial	ADJ
fsr-3455	75	12	literacy	literacy	NOUN
fsr-3455	75	13	,	,	PUNCT
fsr-3455	75	14	when	when	SCONJ
fsr-3455	75	15	self	self	NOUN
fsr-3455	75	16	-	-	PUNCT
fsr-3455	75	17	efficacy	efficacy	NOUN
fsr-3455	75	18	is	be	AUX
fsr-3455	75	19	not	not	PART
fsr-3455	75	20	grounded	ground	VERB
fsr-3455	75	21	in	in	ADP
fsr-3455	75	22	appropriate	appropriate	ADJ
fsr-3455	75	23	knowledge	knowledge	NOUN
fsr-3455	75	24	it	it	PRON
fsr-3455	75	25	can	can	AUX
fsr-3455	75	26	result	result	VERB
fsr-3455	75	27	in	in	ADP
fsr-3455	75	28	overconfidence	overconfidence	NOUN
fsr-3455	75	29	(	(	PUNCT
fsr-3455	75	30	mccoy	mccoy	PROPN
fsr-3455	75	31	et	et	PROPN
fsr-3455	75	32	al	al	PROPN
fsr-3455	75	33	.	.	PROPN
fsr-3455	75	34	,	,	PUNCT
fsr-3455	75	35	2019	2019	NUM
fsr-3455	75	36	)	)	PUNCT
fsr-3455	75	37	.	.	PUNCT
fsr-3455	76	1	overconfidence	overconfidence	NOUN
fsr-3455	76	2	can	can	AUX
fsr-3455	76	3	be	be	AUX
fsr-3455	76	4	harmful	harmful	ADJ
fsr-3455	76	5	and	and	CCONJ
fsr-3455	76	6	result	result	VERB
fsr-3455	76	7	in	in	ADP
fsr-3455	76	8	higher	high	ADJ
fsr-3455	76	9	risk	risk	NOUN
fsr-3455	76	10	taking	taking	NOUN
fsr-3455	76	11	,	,	PUNCT
fsr-3455	76	12	less	less	ADJ
fsr-3455	76	13	investment	investment	NOUN
fsr-3455	76	14	diversification	diversification	NOUN
fsr-3455	76	15	,	,	PUNCT
fsr-3455	76	16	excessive	excessive	ADJ
fsr-3455	76	17	borrowing	borrowing	NOUN
fsr-3455	76	18	,	,	PUNCT
fsr-3455	76	19	and	and	CCONJ
fsr-3455	76	20	may	may	AUX
fsr-3455	76	21	be	be	AUX
fsr-3455	76	22	a	a	DET
fsr-3455	76	23	deterrent	deterrent	NOUN
fsr-3455	76	24	to	to	ADP
fsr-3455	76	25	seeking	seek	VERB
fsr-3455	76	26	professional	professional	ADJ
fsr-3455	76	27	financial	financial	ADJ
fsr-3455	76	28	advice	advice	NOUN
fsr-3455	76	29	(	(	PUNCT
fsr-3455	76	30	angrisani	angrisani	X
fsr-3455	76	31	&	&	CCONJ
fsr-3455	76	32	casanova	casanova	PROPN
fsr-3455	76	33	,	,	PUNCT
fsr-3455	76	34	2019	2019	NUM
fsr-3455	76	35	;	;	PUNCT
fsr-3455	76	36	atlas	atlas	PROPN
fsr-3455	76	37	et	et	PROPN
fsr-3455	76	38	al	al	PROPN
fsr-3455	76	39	.	.	PROPN
fsr-3455	76	40	,	,	PUNCT
fsr-3455	76	41	2019	2019	NUM
fsr-3455	76	42	;	;	PUNCT
fsr-3455	76	43	hauff	hauff	PROPN
fsr-3455	76	44	&	&	CCONJ
fsr-3455	76	45	nilsson	nilsson	PROPN
fsr-3455	76	46	,	,	PUNCT
fsr-3455	76	47	2020	2020	NUM
fsr-3455	76	48	;	;	PUNCT
fsr-3455	76	49	kim	kim	PROPN
fsr-3455	76	50	,	,	PUNCT
fsr-3455	76	51	lee	lee	PROPN
fsr-3455	76	52	,	,	PUNCT
fsr-3455	76	53	&	&	CCONJ
fsr-3455	76	54	hanna	hanna	PROPN
fsr-3455	76	55	,	,	PUNCT
fsr-3455	76	56	2020	2020	NUM
fsr-3455	76	57	;	;	PUNCT
fsr-3455	76	58	merkle	merkle	NOUN
fsr-3455	76	59	,	,	PUNCT
fsr-3455	76	60	2017	2017	NUM
fsr-3455	76	61	)	)	PUNCT
fsr-3455	76	62	.	.	PUNCT
fsr-3455	77	1	previous	previous	ADJ
fsr-3455	77	2	studies	study	NOUN
fsr-3455	77	3	on	on	ADP
fsr-3455	77	4	college	college	NOUN
fsr-3455	77	5	students	student	NOUN
fsr-3455	77	6	note	note	VERB
fsr-3455	77	7	financial	financial	ADJ
fsr-3455	77	8	self	self	NOUN
fsr-3455	77	9	-	-	PUNCT
fsr-3455	77	10	efficacy	efficacy	NOUN
fsr-3455	77	11	to	to	PART
fsr-3455	77	12	be	be	AUX
fsr-3455	77	13	related	relate	VERB
fsr-3455	77	14	to	to	ADP
fsr-3455	77	15	positive	positive	ADJ
fsr-3455	77	16	outcomes	outcome	NOUN
fsr-3455	77	17	like	like	ADP
fsr-3455	77	18	lower	low	ADJ
fsr-3455	77	19	stress	stress	NOUN
fsr-3455	77	20	(	(	PUNCT
fsr-3455	77	21	heckman	heckman	PROPN
fsr-3455	77	22	,	,	PUNCT
fsr-3455	77	23	lim	lim	PROPN
fsr-3455	77	24	,	,	PUNCT
fsr-3455	77	25	&	&	CCONJ
fsr-3455	77	26	montalto	montalto	PROPN
fsr-3455	77	27	,	,	PUNCT
fsr-3455	77	28	2014	2014	NUM
fsr-3455	77	29	;	;	PUNCT
fsr-3455	77	30	lim	lim	PROPN
fsr-3455	77	31	,	,	PUNCT
fsr-3455	77	32	heckman	heckman	PROPN
fsr-3455	77	33	,	,	PUNCT
fsr-3455	77	34	letkiewicz	letkiewicz	NOUN
fsr-3455	77	35	,	,	PUNCT
fsr-3455	77	36	&	&	CCONJ
fsr-3455	77	37	montalto	montalto	PROPN
fsr-3455	77	38	,	,	PUNCT
fsr-3455	77	39	2014	2014	NUM
fsr-3455	77	40	)	)	PUNCT
fsr-3455	77	41	,	,	PUNCT
fsr-3455	77	42	higher	high	ADJ
fsr-3455	77	43	subjective	subjective	ADJ
fsr-3455	77	44	well	well	ADV
fsr-3455	77	45	-	-	PUNCT
fsr-3455	77	46	being	being	NOUN
fsr-3455	77	47	,	,	PUNCT
fsr-3455	77	48	and	and	CCONJ
fsr-3455	77	49	negatively	negatively	ADV
fsr-3455	77	50	associated	associate	VERB
fsr-3455	77	51	with	with	ADP
fsr-3455	77	52	credit	credit	NOUN
fsr-3455	77	53	hour	hour	NOUN
fsr-3455	77	54	reductions	reduction	NOUN
fsr-3455	77	55	(	(	PUNCT
fsr-3455	77	56	robb	robb	NOUN
fsr-3455	77	57	,	,	PUNCT
fsr-3455	77	58	2017	2017	NUM
fsr-3455	77	59	)	)	PUNCT
fsr-3455	77	60	.	.	PUNCT
fsr-3455	78	1	although	although	SCONJ
fsr-3455	78	2	race	race	NOUN
fsr-3455	78	3	was	be	AUX
fsr-3455	78	4	included	include	VERB
fsr-3455	78	5	in	in	ADP
fsr-3455	78	6	two	two	NUM
fsr-3455	78	7	of	of	ADP
fsr-3455	78	8	these	these	DET
fsr-3455	78	9	studies	study	NOUN
fsr-3455	78	10	on	on	ADP
fsr-3455	78	11	college	college	NOUN
fsr-3455	78	12	students	student	NOUN
fsr-3455	78	13	(	(	PUNCT
fsr-3455	78	14	heckman	heckman	PROPN
fsr-3455	78	15	et	et	PROPN
fsr-3455	78	16	al	al	PROPN
fsr-3455	78	17	.	.	PROPN
fsr-3455	78	18	,	,	PUNCT
fsr-3455	78	19	2014	2014	NUM
fsr-3455	78	20	;	;	PUNCT
fsr-3455	78	21	lim	lim	PROPN
fsr-3455	78	22	et	et	PROPN
fsr-3455	78	23	al	al	PROPN
fsr-3455	78	24	.	.	PROPN
fsr-3455	78	25	,	,	PUNCT
fsr-3455	78	26	2014	2014	NUM
fsr-3455	78	27	)	)	PUNCT
fsr-3455	78	28	,	,	PUNCT
fsr-3455	78	29	to	to	ADP
fsr-3455	78	30	the	the	DET
fsr-3455	78	31	authors	author	NOUN
fsr-3455	78	32	’	’	PART
fsr-3455	78	33	knowledge	knowledge	NOUN
fsr-3455	78	34	,	,	PUNCT
fsr-3455	78	35	no	no	DET
fsr-3455	78	36	study	study	NOUN
fsr-3455	78	37	has	have	AUX
fsr-3455	78	38	directly	directly	ADV
fsr-3455	78	39	explored	explore	VERB
fsr-3455	78	40	how	how	SCONJ
fsr-3455	78	41	race	race	NOUN
fsr-3455	78	42	impacts	impact	VERB
fsr-3455	78	43	financial	financial	ADJ
fsr-3455	78	44	self	self	NOUN
fsr-3455	78	45	-	-	PUNCT
fsr-3455	78	46	efficacy	efficacy	NOUN
fsr-3455	78	47	among	among	ADP
fsr-3455	78	48	college	college	NOUN
fsr-3455	78	49	students	student	NOUN
fsr-3455	78	50	.	.	PUNCT
fsr-3455	79	1	2.1.4	2.1.4	NUM
fsr-3455	79	2	.	.	PUNCT
fsr-3455	79	3	importance	importance	NOUN
fsr-3455	79	4	of	of	ADP
fsr-3455	79	5	examining	examine	VERB
fsr-3455	79	6	race	race	NOUN
fsr-3455	79	7	/	/	SYM
fsr-3455	79	8	ethnicity	ethnicity	NOUN
fsr-3455	79	9	despite	despite	SCONJ
fsr-3455	79	10	the	the	DET
fsr-3455	79	11	lack	lack	NOUN
fsr-3455	79	12	of	of	ADP
fsr-3455	79	13	explicit	explicit	ADJ
fsr-3455	79	14	studies	study	NOUN
fsr-3455	79	15	on	on	ADP
fsr-3455	79	16	how	how	SCONJ
fsr-3455	79	17	different	different	ADJ
fsr-3455	79	18	racial	racial	ADJ
fsr-3455	79	19	or	or	CCONJ
fsr-3455	79	20	ethnic	ethnic	ADJ
fsr-3455	79	21	groups	group	NOUN
fsr-3455	79	22	vary	vary	VERB
fsr-3455	79	23	in	in	ADP
fsr-3455	79	24	financial	financial	ADJ
fsr-3455	79	25	self	self	NOUN
fsr-3455	79	26	-	-	PUNCT
fsr-3455	79	27	efficacy	efficacy	NOUN
fsr-3455	79	28	,	,	PUNCT
fsr-3455	79	29	there	there	PRON
fsr-3455	79	30	has	have	AUX
fsr-3455	79	31	been	be	AUX
fsr-3455	79	32	research	research	NOUN
fsr-3455	79	33	that	that	PRON
fsr-3455	79	34	may	may	AUX
fsr-3455	79	35	suggest	suggest	VERB
fsr-3455	79	36	differences	difference	NOUN
fsr-3455	79	37	in	in	ADP
fsr-3455	79	38	financial	financial	ADJ
fsr-3455	79	39	self	self	NOUN
fsr-3455	79	40	-	-	PUNCT
fsr-3455	79	41	efficacy	efficacy	NOUN
fsr-3455	79	42	by	by	ADP
fsr-3455	79	43	race	race	NOUN
fsr-3455	79	44	/	/	SYM
fsr-3455	79	45	ethnicity	ethnicity	NOUN
fsr-3455	79	46	.	.	PUNCT
fsr-3455	80	1	first	first	ADV
fsr-3455	80	2	,	,	PUNCT
fsr-3455	80	3	racial	racial	ADJ
fsr-3455	80	4	differences	difference	NOUN
fsr-3455	80	5	in	in	ADP
fsr-3455	80	6	rates	rate	NOUN
fsr-3455	80	7	of	of	ADP
fsr-3455	80	8	financial	financial	ADJ
fsr-3455	80	9	self	self	NOUN
fsr-3455	80	10	-	-	PUNCT
fsr-3455	80	11	efficacy	efficacy	NOUN
fsr-3455	80	12	may	may	AUX
fsr-3455	80	13	stem	stem	VERB
fsr-3455	80	14	from	from	ADP
fsr-3455	80	15	the	the	DET
fsr-3455	80	16	differences	difference	NOUN
fsr-3455	80	17	in	in	ADP
fsr-3455	80	18	rates	rate	NOUN
fsr-3455	80	19	of	of	ADP
fsr-3455	80	20	mathematical	mathematical	ADJ
fsr-3455	80	21	self	self	NOUN
fsr-3455	80	22	-	-	PUNCT
fsr-3455	80	23	efficacy	efficacy	NOUN
fsr-3455	80	24	.	.	PUNCT
fsr-3455	81	1	alliman	alliman	PROPN
fsr-3455	81	2	-	-	PUNCT
fsr-3455	81	3	brissett	brissett	PROPN
fsr-3455	81	4	&	&	CCONJ
fsr-3455	81	5	turner	turner	PROPN
fsr-3455	81	6	(	(	PUNCT
fsr-3455	81	7	2010	2010	NUM
fsr-3455	81	8	)	)	PUNCT
fsr-3455	81	9	found	find	VERB
fsr-3455	81	10	that	that	SCONJ
fsr-3455	81	11	perceived	perceive	VERB
fsr-3455	81	12	racism	racism	NOUN
fsr-3455	81	13	negatively	negatively	ADV
fsr-3455	81	14	impacted	impact	VERB
fsr-3455	81	15	mathematical	mathematical	ADJ
fsr-3455	81	16	self	self	NOUN
fsr-3455	81	17	-	-	PUNCT
fsr-3455	81	18	efficacy	efficacy	NOUN
fsr-3455	81	19	(	(	PUNCT
fsr-3455	81	20	i.e.	i.e.	X
fsr-3455	81	21	,	,	PUNCT
fsr-3455	81	22	the	the	DET
fsr-3455	81	23	k.	k.	PROPN
fsr-3455	81	24	white	white	PROPN
fsr-3455	81	25	et	et	PROPN
fsr-3455	81	26	al	al	PROPN
fsr-3455	81	27	.	.	PUNCT
fsr-3455	81	28	/	/	SYM
fsr-3455	81	29	financial	financial	ADJ
fsr-3455	81	30	services	service	NOUN
fsr-3455	81	31	review	review	VERB
fsr-3455	81	32	29	29	NUM
fsr-3455	81	33	(	(	PUNCT
fsr-3455	81	34	2021	2021	NUM
fsr-3455	81	35	)	)	PUNCT
fsr-3455	81	36	169–185	169–185	NUM
fsr-3455	81	37	173	173	NUM
fsr-3455	81	38	self	self	NOUN
fsr-3455	81	39	-	-	PUNCT
fsr-3455	81	40	efficacy	efficacy	NOUN
fsr-3455	81	41	related	relate	VERB
fsr-3455	81	42	to	to	ADP
fsr-3455	81	43	math	math	NOUN
fsr-3455	81	44	-	-	PUNCT
fsr-3455	81	45	related	relate	VERB
fsr-3455	81	46	tasks	task	NOUN
fsr-3455	81	47	and	and	CCONJ
fsr-3455	81	48	to	to	PART
fsr-3455	81	49	pursue	pursue	VERB
fsr-3455	81	50	math	math	NOUN
fsr-3455	81	51	careers	career	NOUN
fsr-3455	81	52	)	)	PUNCT
fsr-3455	81	53	in	in	ADP
fsr-3455	81	54	african	african	ADJ
fsr-3455	81	55	american	american	ADJ
fsr-3455	81	56	youth	youth	NOUN
fsr-3455	81	57	.	.	PUNCT
fsr-3455	82	1	it	it	PRON
fsr-3455	82	2	is	be	AUX
fsr-3455	82	3	not	not	PART
fsr-3455	82	4	a	a	DET
fsr-3455	82	5	large	large	ADJ
fsr-3455	82	6	leap	leap	NOUN
fsr-3455	82	7	to	to	PART
fsr-3455	82	8	imagine	imagine	VERB
fsr-3455	82	9	that	that	PRON
fsr-3455	82	10	self	self	NOUN
fsr-3455	82	11	-	-	PUNCT
fsr-3455	82	12	efficacy	efficacy	NOUN
fsr-3455	82	13	in	in	ADP
fsr-3455	82	14	math	math	NOUN
fsr-3455	82	15	would	would	AUX
fsr-3455	82	16	be	be	AUX
fsr-3455	82	17	highly	highly	ADV
fsr-3455	82	18	correlated	correlate	VERB
fsr-3455	82	19	to	to	ADP
fsr-3455	82	20	one	one	NUM
fsr-3455	82	21	’s	’s	PART
fsr-3455	82	22	self	self	NOUN
fsr-3455	82	23	-	-	PUNCT
fsr-3455	82	24	efficacy	efficacy	NOUN
fsr-3455	82	25	with	with	ADP
fsr-3455	82	26	money	money	NOUN
fsr-3455	82	27	(	(	PUNCT
fsr-3455	82	28	almenberg	almenberg	PROPN
fsr-3455	82	29	&	&	CCONJ
fsr-3455	82	30	widmark	widmark	PROPN
fsr-3455	82	31	,	,	PUNCT
fsr-3455	82	32	2011	2011	NUM
fsr-3455	82	33	;	;	PUNCT
fsr-3455	82	34	grohmann	grohmann	PROPN
fsr-3455	82	35	,	,	PUNCT
fsr-3455	82	36	kouwenberg	kouwenberg	PROPN
fsr-3455	82	37	,	,	PUNCT
fsr-3455	82	38	&	&	CCONJ
fsr-3455	82	39	menkhoff	menkhoff	PROPN
fsr-3455	82	40	,	,	PUNCT
fsr-3455	82	41	2015	2015	NUM
fsr-3455	82	42	;	;	PUNCT
fsr-3455	82	43	skagerlund	skagerlund	PROPN
fsr-3455	82	44	,	,	PUNCT
fsr-3455	82	45	lind	lind	PROPN
fsr-3455	82	46	,	,	PUNCT
fsr-3455	82	47	strömbäck	strömbäck	PROPN
fsr-3455	82	48	,	,	PUNCT
fsr-3455	82	49	tinghög	tinghög	PROPN
fsr-3455	82	50	,	,	PUNCT
fsr-3455	82	51	&	&	CCONJ
fsr-3455	82	52	västfjäll	västfjäll	PROPN
fsr-3455	82	53	,	,	PUNCT
fsr-3455	82	54	2018	2018	NUM
fsr-3455	82	55	;	;	PUNCT
fsr-3455	82	56	jayaraman	jayaraman	NOUN
fsr-3455	82	57	,	,	PUNCT
fsr-3455	82	58	jambunathan	jambunathan	PROPN
fsr-3455	82	59	,	,	PUNCT
fsr-3455	82	60	&	&	CCONJ
fsr-3455	82	61	counselman	counselman	PROPN
fsr-3455	82	62	,	,	PUNCT
fsr-3455	82	63	2018	2018	NUM
fsr-3455	82	64	)	)	PUNCT
fsr-3455	82	65	.	.	PUNCT
fsr-3455	83	1	second	second	ADJ
fsr-3455	83	2	,	,	PUNCT
fsr-3455	83	3	oliver	oliver	PROPN
fsr-3455	83	4	and	and	CCONJ
fsr-3455	83	5	shapiro	shapiro	PROPN
fsr-3455	83	6	(	(	PUNCT
fsr-3455	83	7	2013	2013	NUM
fsr-3455	83	8	)	)	PUNCT
fsr-3455	83	9	describe	describe	VERB
fsr-3455	83	10	how	how	SCONJ
fsr-3455	83	11	the	the	DET
fsr-3455	83	12	“	"	PUNCT
fsr-3455	83	13	racialization	racialization	NOUN
fsr-3455	83	14	of	of	ADP
fsr-3455	83	15	state	state	NOUN
fsr-3455	83	16	policy	policy	NOUN
fsr-3455	83	17	”	"	PUNCT
fsr-3455	83	18	has	have	AUX
fsr-3455	83	19	led	lead	VERB
fsr-3455	83	20	to	to	ADP
fsr-3455	83	21	a	a	DET
fsr-3455	83	22	long	long	ADJ
fsr-3455	83	23	legacy	legacy	NOUN
fsr-3455	83	24	of	of	ADP
fsr-3455	83	25	wealth	wealth	NOUN
fsr-3455	83	26	differences	difference	NOUN
fsr-3455	83	27	that	that	PRON
fsr-3455	83	28	have	have	AUX
fsr-3455	83	29	reinforced	reinforce	VERB
fsr-3455	83	30	racial	racial	ADJ
fsr-3455	83	31	inequalities	inequality	NOUN
fsr-3455	83	32	in	in	ADP
fsr-3455	83	33	the	the	DET
fsr-3455	83	34	united	united	PROPN
fsr-3455	83	35	states	states	PROPN
fsr-3455	83	36	(	(	PUNCT
fsr-3455	83	37	p.	p.	NOUN
fsr-3455	83	38	39	39	NUM
fsr-3455	83	39	)	)	PUNCT
fsr-3455	83	40	.	.	PUNCT
fsr-3455	84	1	socialization	socialization	NOUN
fsr-3455	84	2	messages	message	NOUN
fsr-3455	84	3	within	within	ADP
fsr-3455	84	4	african	african	ADJ
fsr-3455	84	5	american	american	ADJ
fsr-3455	84	6	families	family	NOUN
fsr-3455	84	7	around	around	ADP
fsr-3455	84	8	how	how	SCONJ
fsr-3455	84	9	much	much	ADJ
fsr-3455	84	10	wealth	wealth	NOUN
fsr-3455	84	11	one	one	NOUN
fsr-3455	84	12	can	can	AUX
fsr-3455	84	13	achieve	achieve	VERB
fsr-3455	84	14	may	may	AUX
fsr-3455	84	15	be	be	AUX
fsr-3455	84	16	shaped	shape	VERB
fsr-3455	84	17	by	by	ADP
fsr-3455	84	18	these	these	DET
fsr-3455	84	19	inequalities	inequality	NOUN
fsr-3455	84	20	.	.	PUNCT
fsr-3455	85	1	generations	generation	NOUN
fsr-3455	85	2	of	of	ADP
fsr-3455	85	3	barriers	barrier	NOUN
fsr-3455	85	4	that	that	PRON
fsr-3455	85	5	prevented	prevent	VERB
fsr-3455	85	6	equal	equal	ADJ
fsr-3455	85	7	access	access	NOUN
fsr-3455	85	8	to	to	ADP
fsr-3455	85	9	the	the	DET
fsr-3455	85	10	means	mean	NOUN
fsr-3455	85	11	of	of	ADP
fsr-3455	85	12	generating	generate	VERB
fsr-3455	85	13	wealth	wealth	NOUN
fsr-3455	85	14	may	may	AUX
fsr-3455	85	15	limit	limit	VERB
fsr-3455	85	16	african	african	PROPN
fsr-3455	85	17	american	american	PROPN
fsr-3455	85	18	’s	’s	PART
fsr-3455	85	19	financial	financial	ADJ
fsr-3455	85	20	self	self	NOUN
fsr-3455	85	21	-	-	PUNCT
fsr-3455	85	22	efficacy	efficacy	NOUN
fsr-3455	85	23	.	.	PUNCT
fsr-3455	86	1	finally	finally	ADV
fsr-3455	86	2	,	,	PUNCT
fsr-3455	86	3	an	an	DET
fsr-3455	86	4	important	important	ADJ
fsr-3455	86	5	component	component	NOUN
fsr-3455	86	6	of	of	ADP
fsr-3455	86	7	financial	financial	ADJ
fsr-3455	86	8	self	self	NOUN
fsr-3455	86	9	-	-	PUNCT
fsr-3455	86	10	efficacy	efficacy	NOUN
fsr-3455	86	11	is	be	AUX
fsr-3455	86	12	the	the	DET
fsr-3455	86	13	vicarious	vicarious	ADJ
fsr-3455	86	14	experiences	experience	NOUN
fsr-3455	86	15	of	of	ADP
fsr-3455	86	16	financial	financial	ADJ
fsr-3455	86	17	management	management	NOUN
fsr-3455	86	18	(	(	PUNCT
fsr-3455	86	19	bandura	bandura	NOUN
fsr-3455	86	20	,	,	PUNCT
fsr-3455	86	21	1997	1997	NUM
fsr-3455	86	22	)	)	PUNCT
fsr-3455	86	23	.	.	PUNCT
fsr-3455	87	1	bandura	bandura	NOUN
fsr-3455	87	2	(	(	PUNCT
fsr-3455	87	3	1997	1997	NUM
fsr-3455	87	4	)	)	PUNCT
fsr-3455	87	5	suggests	suggest	VERB
fsr-3455	87	6	that	that	SCONJ
fsr-3455	87	7	we	we	PRON
fsr-3455	87	8	develop	develop	VERB
fsr-3455	87	9	self	self	NOUN
fsr-3455	87	10	-	-	PUNCT
fsr-3455	87	11	efficacy	efficacy	NOUN
fsr-3455	87	12	through	through	ADP
fsr-3455	87	13	experiencing	experience	VERB
fsr-3455	87	14	the	the	DET
fsr-3455	87	15	behavior	behavior	NOUN
fsr-3455	87	16	itself	itself	PRON
fsr-3455	87	17	.	.	PUNCT
fsr-3455	88	1	research	research	NOUN
fsr-3455	88	2	shows	show	VERB
fsr-3455	88	3	that	that	SCONJ
fsr-3455	88	4	the	the	DET
fsr-3455	88	5	african	african	ADJ
fsr-3455	88	6	american	american	PROPN
fsr-3455	88	7	community	community	NOUN
fsr-3455	88	8	is	be	AUX
fsr-3455	88	9	disproportionately	disproportionately	ADV
fsr-3455	88	10	underbanked	underbanked	ADJ
fsr-3455	88	11	or	or	CCONJ
fsr-3455	88	12	unbanked	unbanked	ADJ
fsr-3455	88	13	(	(	PUNCT
fsr-3455	88	14	breitbach	breitbach	PROPN
fsr-3455	88	15	&	&	CCONJ
fsr-3455	88	16	walstad	walstad	PROPN
fsr-3455	88	17	,	,	PUNCT
fsr-3455	88	18	2014	2014	NUM
fsr-3455	88	19	)	)	PUNCT
fsr-3455	88	20	.	.	PUNCT
fsr-3455	89	1	potentially	potentially	ADV
fsr-3455	89	2	,	,	PUNCT
fsr-3455	89	3	this	this	PRON
fsr-3455	89	4	has	have	AUX
fsr-3455	89	5	led	lead	VERB
fsr-3455	89	6	to	to	ADP
fsr-3455	89	7	african	african	PROPN
fsr-3455	89	8	american	american	PROPN
fsr-3455	89	9	’s	’s	PART
fsr-3455	89	10	having	have	VERB
fsr-3455	89	11	fewer	few	ADJ
fsr-3455	89	12	financial	financial	ADJ
fsr-3455	89	13	management	management	NOUN
fsr-3455	89	14	experiences	experience	NOUN
fsr-3455	89	15	resulting	result	VERB
fsr-3455	89	16	in	in	ADP
fsr-3455	89	17	lower	low	ADJ
fsr-3455	89	18	levels	level	NOUN
fsr-3455	89	19	of	of	ADP
fsr-3455	89	20	financial	financial	ADJ
fsr-3455	89	21	self	self	NOUN
fsr-3455	89	22	-	-	PUNCT
fsr-3455	89	23	efficacy	efficacy	NOUN
fsr-3455	89	24	.	.	PUNCT
fsr-3455	90	1	there	there	PRON
fsr-3455	90	2	remains	remain	VERB
fsr-3455	90	3	a	a	DET
fsr-3455	90	4	large	large	ADJ
fsr-3455	90	5	racial	racial	ADJ
fsr-3455	90	6	/	/	SYM
fsr-3455	90	7	ethnic	ethnic	ADJ
fsr-3455	90	8	wealth	wealth	NOUN
fsr-3455	90	9	and	and	CCONJ
fsr-3455	90	10	income	income	NOUN
fsr-3455	90	11	gap	gap	NOUN
fsr-3455	90	12	in	in	ADP
fsr-3455	90	13	the	the	DET
fsr-3455	90	14	united	united	PROPN
fsr-3455	90	15	states	states	PROPN
fsr-3455	90	16	that	that	PRON
fsr-3455	90	17	may	may	AUX
fsr-3455	90	18	impact	impact	VERB
fsr-3455	90	19	differences	difference	NOUN
fsr-3455	90	20	in	in	ADP
fsr-3455	90	21	financial	financial	ADJ
fsr-3455	90	22	literacy	literacy	NOUN
fsr-3455	90	23	between	between	ADP
fsr-3455	90	24	african	african	ADJ
fsr-3455	90	25	american	american	ADJ
fsr-3455	90	26	and	and	CCONJ
fsr-3455	90	27	non	non	ADJ
fsr-3455	90	28	-	-	ADJ
fsr-3455	90	29	african	african	ADJ
fsr-3455	90	30	american	american	ADJ
fsr-3455	90	31	students	student	NOUN
fsr-3455	90	32	(	(	PUNCT
fsr-3455	90	33	hamilton	hamilton	PROPN
fsr-3455	90	34	&	&	CCONJ
fsr-3455	90	35	darity	darity	PROPN
fsr-3455	90	36	,	,	PUNCT
fsr-3455	90	37	2017	2017	NUM
fsr-3455	90	38	)	)	PUNCT
fsr-3455	90	39	.	.	PUNCT
fsr-3455	91	1	differences	difference	NOUN
fsr-3455	91	2	in	in	ADP
fsr-3455	91	3	financial	financial	ADJ
fsr-3455	91	4	literacy	literacy	NOUN
fsr-3455	91	5	are	be	AUX
fsr-3455	91	6	not	not	PART
fsr-3455	91	7	an	an	DET
fsr-3455	91	8	inherent	inherent	ADJ
fsr-3455	91	9	trait	trait	NOUN
fsr-3455	91	10	of	of	ADP
fsr-3455	91	11	being	be	AUX
fsr-3455	91	12	one	one	NUM
fsr-3455	91	13	race	race	NOUN
fsr-3455	91	14	or	or	CCONJ
fsr-3455	91	15	ethnicity	ethnicity	NOUN
fsr-3455	91	16	per	per	X
fsr-3455	91	17	se	se	ADV
fsr-3455	91	18	,	,	PUNCT
fsr-3455	91	19	but	but	CCONJ
fsr-3455	91	20	instead	instead	ADV
fsr-3455	91	21	are	be	AUX
fsr-3455	91	22	associated	associate	VERB
fsr-3455	91	23	with	with	ADP
fsr-3455	91	24	financial	financial	ADJ
fsr-3455	91	25	experiences	experience	NOUN
fsr-3455	91	26	.	.	PUNCT
fsr-3455	92	1	financial	financial	ADJ
fsr-3455	92	2	literacy	literacy	NOUN
fsr-3455	92	3	then	then	ADV
fsr-3455	92	4	is	be	AUX
fsr-3455	92	5	tied	tie	VERB
fsr-3455	92	6	to	to	ADP
fsr-3455	92	7	wealth	wealth	NOUN
fsr-3455	92	8	or	or	CCONJ
fsr-3455	92	9	lack	lack	NOUN
fsr-3455	92	10	of	of	ADP
fsr-3455	92	11	wealth	wealth	NOUN
fsr-3455	92	12	.	.	PUNCT
fsr-3455	93	1	financial	financial	ADJ
fsr-3455	93	2	behaviors	behavior	NOUN
fsr-3455	93	3	,	,	PUNCT
fsr-3455	93	4	such	such	ADJ
fsr-3455	93	5	as	as	ADP
fsr-3455	93	6	paying	pay	VERB
fsr-3455	93	7	bills	bill	NOUN
fsr-3455	93	8	on	on	ADP
fsr-3455	93	9	time	time	NOUN
fsr-3455	93	10	,	,	PUNCT
fsr-3455	93	11	investing	invest	VERB
fsr-3455	93	12	and	and	CCONJ
fsr-3455	93	13	saving	save	VERB
fsr-3455	93	14	for	for	ADP
fsr-3455	93	15	retirement	retirement	NOUN
fsr-3455	93	16	,	,	PUNCT
fsr-3455	93	17	are	be	AUX
fsr-3455	93	18	limited	limit	VERB
fsr-3455	93	19	for	for	ADP
fsr-3455	93	20	individuals	individual	NOUN
fsr-3455	93	21	with	with	ADP
fsr-3455	93	22	few	few	ADJ
fsr-3455	93	23	financial	financial	ADJ
fsr-3455	93	24	resources	resource	NOUN
fsr-3455	93	25	to	to	PART
fsr-3455	93	26	manage	manage	VERB
fsr-3455	93	27	(	(	PUNCT
fsr-3455	93	28	hamilton	hamilton	PROPN
fsr-3455	93	29	&	&	CCONJ
fsr-3455	93	30	darity	darity	PROPN
fsr-3455	93	31	,	,	PUNCT
fsr-3455	93	32	2017	2017	NUM
fsr-3455	93	33	;	;	PUNCT
fsr-3455	93	34	hamilton	hamilton	PROPN
fsr-3455	93	35	et	et	PROPN
fsr-3455	93	36	al	al	PROPN
fsr-3455	93	37	.	.	PROPN
fsr-3455	93	38	,	,	PUNCT
fsr-3455	93	39	2015	2015	NUM
fsr-3455	93	40	)	)	PUNCT
fsr-3455	93	41	.	.	PUNCT
fsr-3455	94	1	in	in	ADP
fsr-3455	94	2	fact	fact	NOUN
fsr-3455	94	3	,	,	PUNCT
fsr-3455	94	4	if	if	SCONJ
fsr-3455	94	5	household	household	NOUN
fsr-3455	94	6	income	income	NOUN
fsr-3455	94	7	were	be	AUX
fsr-3455	94	8	equal	equal	ADJ
fsr-3455	94	9	,	,	PUNCT
fsr-3455	94	10	african	african	ADJ
fsr-3455	94	11	american	american	ADJ
fsr-3455	94	12	families	family	NOUN
fsr-3455	94	13	would	would	AUX
fsr-3455	94	14	have	have	VERB
fsr-3455	94	15	a	a	DET
fsr-3455	94	16	slightly	slightly	ADV
fsr-3455	94	17	higher	high	ADJ
fsr-3455	94	18	savings	saving	NOUN
fsr-3455	94	19	rate	rate	NOUN
fsr-3455	94	20	than	than	ADP
fsr-3455	94	21	white	white	ADJ
fsr-3455	94	22	families	family	NOUN
fsr-3455	94	23	(	(	PUNCT
fsr-3455	94	24	hamilton	hamilton	PROPN
fsr-3455	94	25	&	&	CCONJ
fsr-3455	94	26	darity	darity	PROPN
fsr-3455	94	27	,	,	PUNCT
fsr-3455	94	28	2017	2017	NUM
fsr-3455	94	29	)	)	PUNCT
fsr-3455	94	30	.	.	PUNCT
fsr-3455	95	1	although	although	SCONJ
fsr-3455	95	2	the	the	DET
fsr-3455	95	3	literature	literature	NOUN
fsr-3455	95	4	may	may	AUX
fsr-3455	95	5	hint	hint	VERB
fsr-3455	95	6	at	at	ADP
fsr-3455	95	7	differences	difference	NOUN
fsr-3455	95	8	between	between	ADP
fsr-3455	95	9	african	african	ADJ
fsr-3455	95	10	american	american	ADJ
fsr-3455	95	11	and	and	CCONJ
fsr-3455	95	12	nonafrican	nonafrican	ADJ
fsr-3455	95	13	american	american	ADJ
fsr-3455	95	14	students	student	NOUN
fsr-3455	95	15	,	,	PUNCT
fsr-3455	95	16	there	there	PRON
fsr-3455	95	17	is	be	VERB
fsr-3455	95	18	not	not	PART
fsr-3455	95	19	enough	enough	ADJ
fsr-3455	95	20	empirical	empirical	ADJ
fsr-3455	95	21	data	datum	NOUN
fsr-3455	95	22	to	to	PART
fsr-3455	95	23	presuppose	presuppose	VERB
fsr-3455	95	24	a	a	DET
fsr-3455	95	25	directional	directional	ADJ
fsr-3455	95	26	association	association	NOUN
fsr-3455	95	27	between	between	ADP
fsr-3455	95	28	the	the	DET
fsr-3455	95	29	components	component	NOUN
fsr-3455	95	30	of	of	ADP
fsr-3455	95	31	huston	huston	PROPN
fsr-3455	95	32	’s	’s	PART
fsr-3455	95	33	financial	financial	ADJ
fsr-3455	95	34	literacy	literacy	NOUN
fsr-3455	95	35	framework	framework	NOUN
fsr-3455	95	36	and	and	CCONJ
fsr-3455	95	37	race	race	NOUN
fsr-3455	95	38	.	.	PUNCT
fsr-3455	96	1	therefore	therefore	ADV
fsr-3455	96	2	,	,	PUNCT
fsr-3455	96	3	the	the	DET
fsr-3455	96	4	three	three	NUM
fsr-3455	96	5	hypotheses	hypothesis	NOUN
fsr-3455	96	6	in	in	ADP
fsr-3455	96	7	this	this	DET
fsr-3455	96	8	study	study	NOUN
fsr-3455	96	9	were	be	AUX
fsr-3455	96	10	derived	derive	VERB
fsr-3455	96	11	from	from	ADP
fsr-3455	96	12	the	the	DET
fsr-3455	96	13	conceptual	conceptual	ADJ
fsr-3455	96	14	framework	framework	NOUN
fsr-3455	96	15	(	(	PUNCT
fsr-3455	96	16	huston	huston	PROPN
fsr-3455	96	17	,	,	PUNCT
fsr-3455	96	18	2010	2010	NUM
fsr-3455	96	19	)	)	PUNCT
fsr-3455	96	20	and	and	CCONJ
fsr-3455	96	21	the	the	DET
fsr-3455	96	22	extant	extant	ADJ
fsr-3455	96	23	literature	literature	NOUN
fsr-3455	96	24	to	to	PART
fsr-3455	96	25	examine	examine	VERB
fsr-3455	96	26	the	the	DET
fsr-3455	96	27	relationships	relationship	NOUN
fsr-3455	96	28	between	between	ADP
fsr-3455	96	29	objective	objective	ADJ
fsr-3455	96	30	financial	financial	ADJ
fsr-3455	96	31	knowledge	knowledge	NOUN
fsr-3455	96	32	,	,	PUNCT
fsr-3455	96	33	financial	financial	ADJ
fsr-3455	96	34	management	management	NOUN
fsr-3455	96	35	,	,	PUNCT
fsr-3455	96	36	and	and	CCONJ
fsr-3455	96	37	financial	financial	ADJ
fsr-3455	96	38	self	self	NOUN
fsr-3455	96	39	-	-	PUNCT
fsr-3455	96	40	efficacy	efficacy	NOUN
fsr-3455	96	41	(	(	PUNCT
fsr-3455	96	42	see	see	VERB
fsr-3455	96	43	fig	fig	NOUN
fsr-3455	96	44	.	.	PUNCT
fsr-3455	97	1	2	2	NUM
fsr-3455	97	2	)	)	PUNCT
fsr-3455	97	3	.	.	PUNCT
fsr-3455	98	1	hypothesis	hypothesis	NOUN
fsr-3455	98	2	1	1	NUM
fsr-3455	98	3	:	:	PUNCT
fsr-3455	98	4	african	african	ADJ
fsr-3455	98	5	american	american	PROPN
fsr-3455	98	6	and	and	CCONJ
fsr-3455	98	7	non	non	ADJ
fsr-3455	98	8	-	-	ADJ
fsr-3455	98	9	african	african	ADJ
fsr-3455	98	10	american	american	ADJ
fsr-3455	98	11	students	student	NOUN
fsr-3455	98	12	’	’	PART
fsr-3455	98	13	objective	objective	ADJ
fsr-3455	98	14	financial	financial	ADJ
fsr-3455	98	15	knowledge	knowledge	NOUN
fsr-3455	98	16	is	be	AUX
fsr-3455	98	17	positively	positively	ADV
fsr-3455	98	18	associated	associate	VERB
fsr-3455	98	19	with	with	ADP
fsr-3455	98	20	their	their	PRON
fsr-3455	98	21	financial	financial	ADJ
fsr-3455	98	22	self	self	NOUN
fsr-3455	98	23	-	-	PUNCT
fsr-3455	98	24	efficacy	efficacy	NOUN
fsr-3455	98	25	.	.	PUNCT
fsr-3455	99	1	hypothesis	hypothesis	NOUN
fsr-3455	99	2	2a	2a	NUM
fsr-3455	99	3	:	:	PUNCT
fsr-3455	99	4	financial	financial	ADJ
fsr-3455	99	5	management	management	NOUN
fsr-3455	99	6	is	be	AUX
fsr-3455	99	7	a	a	DET
fsr-3455	99	8	mediating	mediate	VERB
fsr-3455	99	9	factor	factor	NOUN
fsr-3455	99	10	in	in	ADP
fsr-3455	99	11	the	the	DET
fsr-3455	99	12	relationship	relationship	NOUN
fsr-3455	99	13	between	between	ADP
fsr-3455	99	14	objective	objective	ADJ
fsr-3455	99	15	financial	financial	ADJ
fsr-3455	99	16	knowledge	knowledge	NOUN
fsr-3455	99	17	and	and	CCONJ
fsr-3455	99	18	financial	financial	ADJ
fsr-3455	99	19	self	self	NOUN
fsr-3455	99	20	-	-	PUNCT
fsr-3455	99	21	efficacy	efficacy	NOUN
fsr-3455	99	22	among	among	ADP
fsr-3455	99	23	african	african	ADJ
fsr-3455	99	24	american	american	ADJ
fsr-3455	99	25	and	and	CCONJ
fsr-3455	99	26	nonafrican	nonafrican	ADJ
fsr-3455	99	27	american	american	ADJ
fsr-3455	99	28	students	student	NOUN
fsr-3455	99	29	.	.	PUNCT
fsr-3455	100	1	hypothesis	hypothesis	NOUN
fsr-3455	100	2	2b	2b	NOUN
fsr-3455	100	3	:	:	PUNCT
fsr-3455	101	1	african	african	ADJ
fsr-3455	101	2	american	american	PROPN
fsr-3455	101	3	and	and	CCONJ
fsr-3455	101	4	non	non	ADJ
fsr-3455	101	5	-	-	ADJ
fsr-3455	101	6	african	african	ADJ
fsr-3455	101	7	american	american	ADJ
fsr-3455	101	8	students	student	NOUN
fsr-3455	101	9	’	'	PUNCT
fsr-3455	101	10	financial	financial	ADJ
fsr-3455	101	11	management	management	NOUN
fsr-3455	101	12	is	be	AUX
fsr-3455	101	13	positively	positively	ADV
fsr-3455	101	14	associated	associate	VERB
fsr-3455	101	15	with	with	ADP
fsr-3455	101	16	their	their	PRON
fsr-3455	101	17	financial	financial	ADJ
fsr-3455	101	18	self	self	NOUN
fsr-3455	101	19	-	-	PUNCT
fsr-3455	101	20	efficacy	efficacy	NOUN
fsr-3455	101	21	.	.	PUNCT
fsr-3455	102	1	based	base	VERB
fsr-3455	102	2	on	on	ADP
fsr-3455	102	3	these	these	DET
fsr-3455	102	4	hypotheses	hypothesis	NOUN
fsr-3455	102	5	,	,	PUNCT
fsr-3455	102	6	the	the	DET
fsr-3455	102	7	conceptual	conceptual	ADJ
fsr-3455	102	8	model	model	NOUN
fsr-3455	102	9	(	(	PUNCT
fsr-3455	102	10	fig	fig	NOUN
fsr-3455	102	11	.	.	NOUN
fsr-3455	102	12	1	1	NUM
fsr-3455	102	13	)	)	PUNCT
fsr-3455	102	14	is	be	AUX
fsr-3455	102	15	used	use	VERB
fsr-3455	102	16	to	to	PART
fsr-3455	102	17	explore	explore	VERB
fsr-3455	102	18	the	the	DET
fsr-3455	102	19	relationships	relationship	NOUN
fsr-3455	102	20	of	of	ADP
fsr-3455	102	21	the	the	DET
fsr-3455	102	22	components	component	NOUN
fsr-3455	102	23	of	of	ADP
fsr-3455	102	24	financial	financial	ADJ
fsr-3455	102	25	literacy	literacy	NOUN
fsr-3455	102	26	and	and	CCONJ
fsr-3455	102	27	compare	compare	VERB
fsr-3455	102	28	the	the	DET
fsr-3455	102	29	relationships	relationship	NOUN
fsr-3455	102	30	by	by	ADP
fsr-3455	102	31	race	race	NOUN
fsr-3455	102	32	.	.	PUNCT
fsr-3455	103	1	174	174	NUM
fsr-3455	103	2	k.	k.	PROPN
fsr-3455	103	3	white	white	PROPN
fsr-3455	103	4	et	et	PROPN
fsr-3455	103	5	al	al	PROPN
fsr-3455	103	6	.	.	PUNCT
fsr-3455	103	7	/	/	SYM
fsr-3455	103	8	financial	financial	ADJ
fsr-3455	103	9	services	service	NOUN
fsr-3455	103	10	review	review	VERB
fsr-3455	103	11	29	29	NUM
fsr-3455	103	12	(	(	PUNCT
fsr-3455	103	13	2021	2021	NUM
fsr-3455	103	14	)	)	PUNCT
fsr-3455	103	15	169–185	169–185	NUM
fsr-3455	103	16	3	3	NUM
fsr-3455	103	17	.	.	PUNCT
fsr-3455	103	18	method	method	PROPN
fsr-3455	103	19	3.1	3.1	NUM
fsr-3455	103	20	.	.	PUNCT
fsr-3455	104	1	data	datum	NOUN
fsr-3455	104	2	and	and	CCONJ
fsr-3455	104	3	sample	sample	NOUN
fsr-3455	104	4	selection	selection	NOUN
fsr-3455	104	5	this	this	DET
fsr-3455	104	6	study	study	NOUN
fsr-3455	104	7	relies	rely	VERB
fsr-3455	104	8	upon	upon	SCONJ
fsr-3455	104	9	data	datum	NOUN
fsr-3455	104	10	collected	collect	VERB
fsr-3455	104	11	at	at	ADP
fsr-3455	104	12	the	the	DET
fsr-3455	104	13	ohio	ohio	PROPN
fsr-3455	104	14	state	state	PROPN
fsr-3455	104	15	university	university	PROPN
fsr-3455	104	16	through	through	ADP
fsr-3455	104	17	the	the	DET
fsr-3455	104	18	2014	2014	NUM
fsr-3455	104	19	national	national	ADJ
fsr-3455	104	20	student	student	NOUN
fsr-3455	104	21	financial	financial	PROPN
fsr-3455	104	22	wellness	wellness	NOUN
fsr-3455	104	23	study	study	NOUN
fsr-3455	104	24	(	(	PUNCT
fsr-3455	104	25	nsfws).1	nsfws).1	NOUN
fsr-3455	104	26	this	this	DET
fsr-3455	104	27	survey	survey	NOUN
fsr-3455	104	28	is	be	AUX
fsr-3455	104	29	administered	administer	VERB
fsr-3455	104	30	to	to	PART
fsr-3455	104	31	undergraduate	undergraduate	VERB
fsr-3455	104	32	students	student	NOUN
fsr-3455	104	33	(	(	PUNCT
fsr-3455	104	34	n	n	NOUN
fsr-3455	104	35	=	=	NUM
fsr-3455	104	36	18,795	18,795	NUM
fsr-3455	104	37	)	)	PUNCT
fsr-3455	104	38	from	from	ADP
fsr-3455	104	39	52	52	NUM
fsr-3455	104	40	participating	participate	VERB
fsr-3455	104	41	two	two	NUM
fsr-3455	104	42	and	and	CCONJ
fsr-3455	104	43	four	four	NUM
fsr-3455	104	44	-	-	PUNCT
fsr-3455	104	45	year	year	NOUN
fsr-3455	104	46	public	public	ADJ
fsr-3455	104	47	institutions	institution	NOUN
fsr-3455	104	48	and	and	CCONJ
fsr-3455	104	49	four	four	NUM
fsr-3455	104	50	-	-	PUNCT
fsr-3455	104	51	year	year	NOUN
fsr-3455	104	52	private	private	ADJ
fsr-3455	104	53	higher	high	ADJ
fsr-3455	104	54	education	education	NOUN
fsr-3455	104	55	institutions	institution	NOUN
fsr-3455	104	56	across	across	ADP
fsr-3455	104	57	the	the	DET
fsr-3455	104	58	united	united	PROPN
fsr-3455	104	59	states	states	PROPN
fsr-3455	104	60	.	.	PUNCT
fsr-3455	105	1	to	to	PART
fsr-3455	105	2	learn	learn	VERB
fsr-3455	105	3	more	more	ADJ
fsr-3455	105	4	about	about	ADP
fsr-3455	105	5	the	the	DET
fsr-3455	105	6	methodology	methodology	NOUN
fsr-3455	105	7	of	of	ADP
fsr-3455	105	8	the	the	DET
fsr-3455	105	9	study	study	NOUN
fsr-3455	105	10	on	on	ADP
fsr-3455	105	11	collegiate	collegiate	ADJ
fsr-3455	105	12	financial	financial	PROPN
fsr-3455	105	13	wellness	wellness	NOUN
fsr-3455	105	14	(	(	PUNCT
fsr-3455	105	15	scfw	scfw	NOUN
fsr-3455	105	16	)	)	PUNCT
fsr-3455	105	17	,	,	PUNCT
fsr-3455	105	18	please	please	INTJ
fsr-3455	105	19	see	see	VERB
fsr-3455	105	20	montalto	montalto	PROPN
fsr-3455	105	21	,	,	PUNCT
fsr-3455	105	22	phillips	phillips	PROPN
fsr-3455	105	23	,	,	PUNCT
fsr-3455	105	24	mcdaniel	mcdaniel	PROPN
fsr-3455	105	25	,	,	PUNCT
fsr-3455	105	26	and	and	CCONJ
fsr-3455	105	27	baker	baker	PROPN
fsr-3455	105	28	(	(	PUNCT
fsr-3455	105	29	2019	2019	NUM
fsr-3455	105	30	)	)	PUNCT
fsr-3455	105	31	.	.	PUNCT
fsr-3455	106	1	questions	question	NOUN
fsr-3455	106	2	relating	relate	VERB
fsr-3455	106	3	to	to	ADP
fsr-3455	106	4	financial	financial	ADJ
fsr-3455	106	5	attitudes	attitude	NOUN
fsr-3455	106	6	,	,	PUNCT
fsr-3455	106	7	financial	financial	ADJ
fsr-3455	106	8	management	management	NOUN
fsr-3455	106	9	,	,	PUNCT
fsr-3455	106	10	and	and	CCONJ
fsr-3455	106	11	objective	objective	ADJ
fsr-3455	106	12	financial	financial	ADJ
fsr-3455	106	13	knowledge	knowledge	NOUN
fsr-3455	106	14	capture	capture	VERB
fsr-3455	106	15	a	a	DET
fsr-3455	106	16	picture	picture	NOUN
fsr-3455	106	17	of	of	ADP
fsr-3455	106	18	the	the	DET
fsr-3455	106	19	overall	overall	ADJ
fsr-3455	106	20	financial	financial	ADJ
fsr-3455	106	21	literacy	literacy	NOUN
fsr-3455	106	22	and	and	CCONJ
fsr-3455	106	23	wellness	wellness	NOUN
fsr-3455	106	24	of	of	ADP
fsr-3455	106	25	undergraduate	undergraduate	ADJ
fsr-3455	106	26	students	student	NOUN
fsr-3455	106	27	in	in	ADP
fsr-3455	106	28	the	the	DET
fsr-3455	106	29	united	united	PROPN
fsr-3455	106	30	states	states	PROPN
fsr-3455	106	31	.	.	PUNCT
fsr-3455	107	1	the	the	DET
fsr-3455	107	2	original	original	ADJ
fsr-3455	107	3	data	datum	NOUN
fsr-3455	107	4	sample	sample	NOUN
fsr-3455	107	5	size	size	NOUN
fsr-3455	107	6	is	be	AUX
fsr-3455	107	7	18,792	18,792	NUM
fsr-3455	107	8	.	.	PUNCT
fsr-3455	108	1	the	the	DET
fsr-3455	108	2	sample	sample	NOUN
fsr-3455	108	3	includes	include	VERB
fsr-3455	108	4	965	965	NUM
fsr-3455	108	5	african	african	ADJ
fsr-3455	108	6	american	american	ADJ
fsr-3455	108	7	students	student	NOUN
fsr-3455	108	8	and	and	CCONJ
fsr-3455	108	9	13,697	13,697	NUM
fsr-3455	108	10	non	non	ADJ
fsr-3455	108	11	-	-	ADJ
fsr-3455	108	12	african	african	ADJ
fsr-3455	108	13	american	american	ADJ
fsr-3455	108	14	students	student	NOUN
fsr-3455	108	15	,	,	PUNCT
fsr-3455	108	16	excluding	exclude	VERB
fsr-3455	108	17	missing	miss	VERB
fsr-3455	108	18	answers	answer	NOUN
fsr-3455	108	19	.	.	PUNCT
fsr-3455	109	1	to	to	PART
fsr-3455	109	2	balance	balance	VERB
fsr-3455	109	3	sample	sample	NOUN
fsr-3455	109	4	size	size	NOUN
fsr-3455	109	5	,	,	PUNCT
fsr-3455	109	6	we	we	PRON
fsr-3455	109	7	drew	draw	VERB
fsr-3455	109	8	random	random	ADJ
fsr-3455	109	9	samples	sample	NOUN
fsr-3455	109	10	from	from	ADP
fsr-3455	109	11	the	the	DET
fsr-3455	109	12	existing	exist	VERB
fsr-3455	109	13	pools	pool	NOUN
fsr-3455	109	14	.	.	PUNCT
fsr-3455	110	1	first	first	ADV
fsr-3455	110	2	,	,	PUNCT
fsr-3455	110	3	we	we	PRON
fsr-3455	110	4	extracted	extract	VERB
fsr-3455	110	5	several	several	ADJ
fsr-3455	110	6	sets	set	NOUN
fsr-3455	110	7	of	of	ADP
fsr-3455	110	8	sample	sample	NOUN
fsr-3455	110	9	combinations	combination	NOUN
fsr-3455	110	10	that	that	PRON
fsr-3455	110	11	are	be	AUX
fsr-3455	110	12	350	350	NUM
fsr-3455	110	13	samples	sample	NOUN
fsr-3455	110	14	for	for	ADP
fsr-3455	110	15	each	each	DET
fsr-3455	110	16	group	group	NOUN
fsr-3455	110	17	because	because	SCONJ
fsr-3455	110	18	structural	structural	ADJ
fsr-3455	110	19	equation	equation	NOUN
fsr-3455	110	20	modeling	modeling	NOUN
fsr-3455	110	21	requires	require	VERB
fsr-3455	110	22	at	at	ADP
fsr-3455	110	23	least	least	ADJ
fsr-3455	110	24	350	350	NUM
fsr-3455	110	25	samples	sample	NOUN
fsr-3455	110	26	to	to	PART
fsr-3455	110	27	ensure	ensure	VERB
fsr-3455	110	28	the	the	DET
fsr-3455	110	29	significant	significant	ADJ
fsr-3455	110	30	factor	factor	NOUN
fsr-3455	110	31	loadings	loading	NOUN
fsr-3455	110	32	for	for	ADP
fsr-3455	110	33	latent	latent	NOUN
fsr-3455	110	34	constructs	construct	NOUN
fsr-3455	110	35	(	(	PUNCT
fsr-3455	110	36	hair	hair	NOUN
fsr-3455	110	37	,	,	PUNCT
fsr-3455	110	38	black	black	ADJ
fsr-3455	110	39	,	,	PUNCT
fsr-3455	110	40	babin	babin	PROPN
fsr-3455	110	41	,	,	PUNCT
fsr-3455	110	42	&	&	CCONJ
fsr-3455	110	43	anderson	anderson	PROPN
fsr-3455	110	44	,	,	PUNCT
fsr-3455	110	45	2014	2014	NUM
fsr-3455	110	46	)	)	PUNCT
fsr-3455	110	47	.	.	PUNCT
fsr-3455	111	1	next	next	ADV
fsr-3455	111	2	,	,	PUNCT
fsr-3455	111	3	the	the	DET
fsr-3455	111	4	sample	sample	NOUN
fsr-3455	111	5	size	size	NOUN
fsr-3455	111	6	of	of	ADP
fsr-3455	111	7	each	each	DET
fsr-3455	111	8	group	group	NOUN
fsr-3455	111	9	was	be	AUX
fsr-3455	111	10	reduced	reduce	VERB
fsr-3455	111	11	after	after	ADP
fsr-3455	111	12	eliminating	eliminate	VERB
fsr-3455	111	13	observations	observation	NOUN
fsr-3455	111	14	with	with	ADP
fsr-3455	111	15	missing	miss	VERB
fsr-3455	111	16	answers	answer	NOUN
fsr-3455	111	17	.	.	PUNCT
fsr-3455	112	1	however	however	ADV
fsr-3455	112	2	,	,	PUNCT
fsr-3455	112	3	due	due	ADP
fsr-3455	112	4	to	to	ADP
fsr-3455	112	5	limitations	limitation	NOUN
fsr-3455	112	6	with	with	ADP
fsr-3455	112	7	the	the	DET
fsr-3455	112	8	data	datum	NOUN
fsr-3455	112	9	,	,	PUNCT
fsr-3455	112	10	we	we	PRON
fsr-3455	112	11	encountered	encounter	VERB
fsr-3455	112	12	difficulty	difficulty	NOUN
fsr-3455	112	13	extracting	extract	VERB
fsr-3455	112	14	the	the	DET
fsr-3455	112	15	same	same	ADJ
fsr-3455	112	16	number	number	NOUN
fsr-3455	112	17	of	of	ADP
fsr-3455	112	18	sample	sample	NOUN
fsr-3455	112	19	sizes	size	NOUN
fsr-3455	112	20	for	for	ADP
fsr-3455	112	21	each	each	DET
fsr-3455	112	22	group	group	NOUN
fsr-3455	112	23	.	.	PUNCT
fsr-3455	113	1	we	we	PRON
fsr-3455	113	2	chose	choose	VERB
fsr-3455	113	3	samples	sample	NOUN
fsr-3455	113	4	with	with	ADP
fsr-3455	113	5	a	a	DET
fsr-3455	113	6	smaller	small	ADJ
fsr-3455	113	7	difference	difference	NOUN
fsr-3455	113	8	in	in	ADP
fsr-3455	113	9	size	size	NOUN
fsr-3455	113	10	between	between	ADP
fsr-3455	113	11	the	the	DET
fsr-3455	113	12	two	two	NUM
fsr-3455	113	13	groups	group	NOUN
fsr-3455	113	14	.	.	PUNCT
fsr-3455	114	1	the	the	DET
fsr-3455	114	2	total	total	ADJ
fsr-3455	114	3	sample	sample	NOUN
fsr-3455	114	4	size	size	NOUN
fsr-3455	114	5	was	be	AUX
fsr-3455	114	6	860	860	NUM
fsr-3455	114	7	,	,	PUNCT
fsr-3455	114	8	394	394	NUM
fsr-3455	114	9	for	for	ADP
fsr-3455	114	10	african	african	ADJ
fsr-3455	114	11	american	american	PROPN
fsr-3455	114	12	and	and	CCONJ
fsr-3455	114	13	466	466	NUM
fsr-3455	114	14	for	for	ADP
fsr-3455	114	15	non	non	ADJ
fsr-3455	114	16	-	-	ADJ
fsr-3455	114	17	african	african	ADJ
fsr-3455	114	18	american	american	PROPN
fsr-3455	114	19	.	.	PROPN
fsr-3455	115	1	3.2	3.2	NUM
fsr-3455	115	2	.	.	PUNCT
fsr-3455	116	1	variables	variable	NOUN
fsr-3455	116	2	our	our	PRON
fsr-3455	116	3	model	model	NOUN
fsr-3455	116	4	is	be	AUX
fsr-3455	116	5	constructed	construct	VERB
fsr-3455	116	6	with	with	ADP
fsr-3455	116	7	three	three	NUM
fsr-3455	116	8	latent	latent	ADJ
fsr-3455	116	9	variables	variable	NOUN
fsr-3455	116	10	:	:	PUNCT
fsr-3455	116	11	financial	financial	ADJ
fsr-3455	116	12	knowledge	knowledge	NOUN
fsr-3455	116	13	,	,	PUNCT
fsr-3455	116	14	financial	financial	ADJ
fsr-3455	116	15	management	management	NOUN
fsr-3455	116	16	,	,	PUNCT
fsr-3455	116	17	and	and	CCONJ
fsr-3455	116	18	financial	financial	ADJ
fsr-3455	116	19	self	self	NOUN
fsr-3455	116	20	-	-	PUNCT
fsr-3455	116	21	efficacy	efficacy	NOUN
fsr-3455	116	22	.	.	PUNCT
fsr-3455	117	1	a	a	DET
fsr-3455	117	2	latent	latent	NOUN
fsr-3455	117	3	variable	variable	NOUN
fsr-3455	117	4	is	be	AUX
fsr-3455	117	5	an	an	DET
fsr-3455	117	6	underlying	underlying	ADJ
fsr-3455	117	7	concept	concept	NOUN
fsr-3455	117	8	that	that	PRON
fsr-3455	117	9	can	can	AUX
fsr-3455	117	10	not	not	PART
fsr-3455	117	11	be	be	AUX
fsr-3455	117	12	observed	observe	VERB
fsr-3455	117	13	or	or	CCONJ
fsr-3455	117	14	directly	directly	ADV
fsr-3455	117	15	measured	measure	VERB
fsr-3455	117	16	.	.	PUNCT
fsr-3455	118	1	instead	instead	ADV
fsr-3455	118	2	,	,	PUNCT
fsr-3455	118	3	it	it	PRON
fsr-3455	118	4	can	can	AUX
fsr-3455	118	5	be	be	AUX
fsr-3455	118	6	inferred	infer	VERB
fsr-3455	118	7	by	by	ADP
fsr-3455	118	8	several	several	ADJ
fsr-3455	118	9	indicators	indicator	NOUN
fsr-3455	118	10	,	,	PUNCT
fsr-3455	118	11	or	or	CCONJ
fsr-3455	118	12	observed	observed	ADJ
fsr-3455	118	13	variables	variable	NOUN
fsr-3455	118	14	.	.	PUNCT
fsr-3455	119	1	the	the	DET
fsr-3455	119	2	following	follow	VERB
fsr-3455	119	3	section	section	NOUN
fsr-3455	119	4	describes	describe	VERB
fsr-3455	119	5	how	how	SCONJ
fsr-3455	119	6	we	we	PRON
fsr-3455	119	7	manifested	manifest	VERB
fsr-3455	119	8	the	the	DET
fsr-3455	119	9	latent	latent	NOUN
fsr-3455	119	10	constructs	construct	NOUN
fsr-3455	119	11	with	with	ADP
fsr-3455	119	12	a	a	DET
fsr-3455	119	13	set	set	NOUN
fsr-3455	119	14	of	of	ADP
fsr-3455	119	15	indicator	indicator	NOUN
fsr-3455	119	16	variables	variable	NOUN
fsr-3455	119	17	.	.	PUNCT
fsr-3455	120	1	3.2.1	3.2.1	X
fsr-3455	120	2	.	.	PUNCT
fsr-3455	120	3	financial	financial	ADJ
fsr-3455	120	4	self	self	NOUN
fsr-3455	120	5	-	-	PUNCT
fsr-3455	120	6	efficacy	efficacy	NOUN
fsr-3455	120	7	the	the	DET
fsr-3455	120	8	outcome	outcome	NOUN
fsr-3455	120	9	variable	variable	NOUN
fsr-3455	120	10	,	,	PUNCT
fsr-3455	120	11	financial	financial	ADJ
fsr-3455	120	12	self	self	NOUN
fsr-3455	120	13	-	-	PUNCT
fsr-3455	120	14	efficacy	efficacy	NOUN
fsr-3455	120	15	,	,	PUNCT
fsr-3455	120	16	is	be	AUX
fsr-3455	120	17	a	a	DET
fsr-3455	120	18	latent	latent	NOUN
fsr-3455	120	19	variable	variable	NOUN
fsr-3455	120	20	constructed	construct	VERB
fsr-3455	120	21	by	by	ADP
fsr-3455	120	22	two	two	NUM
fsr-3455	120	23	observed	observed	ADJ
fsr-3455	120	24	indicators	indicator	NOUN
fsr-3455	120	25	:	:	PUNCT
fsr-3455	120	26	confidence	confidence	NOUN
fsr-3455	120	27	in	in	ADP
fsr-3455	120	28	finances	finance	NOUN
fsr-3455	120	29	and	and	CCONJ
fsr-3455	120	30	confidence	confidence	NOUN
fsr-3455	120	31	in	in	ADP
fsr-3455	120	32	money	money	NOUN
fsr-3455	120	33	management	management	NOUN
fsr-3455	120	34	.	.	PUNCT
fsr-3455	121	1	confidence	confidence	NOUN
fsr-3455	121	2	in	in	ADP
fsr-3455	121	3	finances	finance	NOUN
fsr-3455	121	4	is	be	AUX
fsr-3455	121	5	measured	measure	VERB
fsr-3455	121	6	by	by	ADP
fsr-3455	121	7	the	the	DET
fsr-3455	121	8	item	item	NOUN
fsr-3455	121	9	:	:	PUNCT
fsr-3455	121	10	“	"	PUNCT
fsr-3455	121	11	i	i	PRON
fsr-3455	121	12	am	be	AUX
fsr-3455	121	13	confident	confident	ADJ
fsr-3455	121	14	that	that	SCONJ
fsr-3455	121	15	i	i	PRON
fsr-3455	121	16	can	can	AUX
fsr-3455	121	17	manage	manage	VERB
fsr-3455	121	18	my	my	PRON
fsr-3455	121	19	finances	finance	NOUN
fsr-3455	121	20	.	.	PUNCT
fsr-3455	121	21	”	"	PUNCT
fsr-3455	122	1	respondents	respondent	NOUN
fsr-3455	122	2	are	be	AUX
fsr-3455	122	3	asked	ask	VERB
fsr-3455	122	4	to	to	PART
fsr-3455	122	5	indicate	indicate	VERB
fsr-3455	122	6	1	1	NUM
fsr-3455	122	7	=	=	PRON
fsr-3455	122	8	strongly	strongly	ADV
fsr-3455	122	9	disagree	disagree	VERB
fsr-3455	122	10	,	,	PUNCT
fsr-3455	122	11	2	2	NUM
fsr-3455	122	12	=	=	NOUN
fsr-3455	122	13	disagree	disagree	NOUN
fsr-3455	122	14	,	,	PUNCT
fsr-3455	122	15	3	3	NUM
fsr-3455	122	16	=	=	PUNCT
fsr-3455	122	17	agree	agree	VERB
fsr-3455	122	18	,	,	PUNCT
fsr-3455	122	19	or	or	CCONJ
fsr-3455	122	20	4	4	NUM
fsr-3455	122	21	=	=	PRON
fsr-3455	122	22	strongly	strongly	ADV
fsr-3455	122	23	agree	agree	VERB
fsr-3455	122	24	.	.	PUNCT
fsr-3455	123	1	confidence	confidence	NOUN
fsr-3455	123	2	in	in	ADP
fsr-3455	123	3	money	money	NOUN
fsr-3455	123	4	management	management	NOUN
fsr-3455	123	5	is	be	AUX
fsr-3455	123	6	a	a	DET
fsr-3455	123	7	variable	variable	NOUN
fsr-3455	123	8	measured	measure	VERB
fsr-3455	123	9	by	by	ADP
fsr-3455	123	10	the	the	DET
fsr-3455	123	11	item	item	NOUN
fsr-3455	123	12	:	:	PUNCT
fsr-3455	123	13	“	"	PUNCT
fsr-3455	123	14	i	i	PRON
fsr-3455	123	15	manage	manage	VERB
fsr-3455	123	16	my	my	PRON
fsr-3455	123	17	money	money	NOUN
fsr-3455	123	18	well	well	ADV
fsr-3455	123	19	.	.	PUNCT
fsr-3455	123	20	”	"	PUNCT
fsr-3455	124	1	respondents	respondent	NOUN
fsr-3455	124	2	are	be	AUX
fsr-3455	124	3	also	also	ADV
fsr-3455	124	4	given	give	VERB
fsr-3455	124	5	four	four	NUM
fsr-3455	124	6	options	option	NOUN
fsr-3455	124	7	to	to	PART
fsr-3455	124	8	indicate	indicate	VERB
fsr-3455	124	9	1=	1=	NOUN
fsr-3455	124	10	strongly	strongly	ADV
fsr-3455	124	11	disagree	disagree	VERB
fsr-3455	124	12	,	,	PUNCT
fsr-3455	124	13	2	2	NUM
fsr-3455	124	14	=	=	NOUN
fsr-3455	124	15	disagree	disagree	NOUN
fsr-3455	124	16	,	,	PUNCT
fsr-3455	124	17	3	3	NUM
fsr-3455	124	18	=	=	PUNCT
fsr-3455	124	19	agree	agree	VERB
fsr-3455	124	20	,	,	PUNCT
fsr-3455	124	21	or	or	CCONJ
fsr-3455	124	22	4	4	NUM
fsr-3455	124	23	=	=	PRON
fsr-3455	124	24	strongly	strongly	ADV
fsr-3455	124	25	agree	agree	VERB
fsr-3455	124	26	.	.	PUNCT
fsr-3455	125	1	k.	k.	PROPN
fsr-3455	125	2	white	white	PROPN
fsr-3455	125	3	et	et	PROPN
fsr-3455	125	4	al	al	PROPN
fsr-3455	125	5	.	.	PUNCT
fsr-3455	125	6	/	/	SYM
fsr-3455	125	7	financial	financial	ADJ
fsr-3455	125	8	services	service	NOUN
fsr-3455	125	9	review	review	VERB
fsr-3455	125	10	29	29	NUM
fsr-3455	125	11	(	(	PUNCT
fsr-3455	125	12	2021	2021	NUM
fsr-3455	125	13	)	)	PUNCT
fsr-3455	125	14	169–185	169–185	NUM
fsr-3455	125	15	175	175	NUM
fsr-3455	125	16	3.2.2	3.2.2	NUM
fsr-3455	125	17	.	.	PUNCT
fsr-3455	126	1	objective	objective	ADJ
fsr-3455	126	2	financial	financial	ADJ
fsr-3455	126	3	knowledge	knowledge	NOUN
fsr-3455	126	4	objective	objective	ADJ
fsr-3455	126	5	financial	financial	ADJ
fsr-3455	126	6	knowledge	knowledge	NOUN
fsr-3455	126	7	is	be	AUX
fsr-3455	126	8	a	a	DET
fsr-3455	126	9	latent	latent	NOUN
fsr-3455	126	10	variable	variable	NOUN
fsr-3455	126	11	consisting	consist	VERB
fsr-3455	126	12	of	of	ADP
fsr-3455	126	13	three	three	NUM
fsr-3455	126	14	observed	observed	ADJ
fsr-3455	126	15	variables	variable	NOUN
fsr-3455	126	16	.	.	PUNCT
fsr-3455	127	1	each	each	DET
fsr-3455	127	2	variable	variable	NOUN
fsr-3455	127	3	is	be	AUX
fsr-3455	127	4	measured	measure	VERB
fsr-3455	127	5	by	by	ADP
fsr-3455	127	6	a	a	DET
fsr-3455	127	7	question	question	NOUN
fsr-3455	127	8	testing	testing	NOUN
fsr-3455	127	9	respondents	respondent	NOUN
fsr-3455	127	10	’	'	PUNCT
fsr-3455	127	11	objective	objective	ADJ
fsr-3455	127	12	financial	financial	ADJ
fsr-3455	127	13	knowledge	knowledge	NOUN
fsr-3455	127	14	(	(	PUNCT
fsr-3455	127	15	see	see	VERB
fsr-3455	127	16	appendix	appendix	NOUN
fsr-3455	127	17	a	a	PRON
fsr-3455	127	18	)	)	PUNCT
fsr-3455	127	19	.	.	PUNCT
fsr-3455	128	1	the	the	DET
fsr-3455	128	2	three	three	NUM
fsr-3455	128	3	questions	question	NOUN
fsr-3455	128	4	have	have	AUX
fsr-3455	128	5	been	be	AUX
fsr-3455	128	6	widely	widely	ADV
fsr-3455	128	7	used	use	VERB
fsr-3455	128	8	in	in	ADP
fsr-3455	128	9	prior	prior	ADJ
fsr-3455	128	10	studies	study	NOUN
fsr-3455	128	11	(	(	PUNCT
fsr-3455	128	12	al	al	PROPN
fsr-3455	128	13	-	-	PUNCT
fsr-3455	128	14	bahrani	bahrani	PROPN
fsr-3455	128	15	et	et	PROPN
fsr-3455	128	16	al	al	PROPN
fsr-3455	128	17	.	.	PROPN
fsr-3455	128	18	,	,	PUNCT
fsr-3455	128	19	2019	2019	NUM
fsr-3455	128	20	;	;	PUNCT
fsr-3455	128	21	o’connor	o’connor	ADV
fsr-3455	128	22	,	,	PUNCT
fsr-3455	128	23	2019	2019	NUM
fsr-3455	128	24	;	;	PUNCT
fsr-3455	128	25	robb	robb	NOUN
fsr-3455	128	26	&	&	CCONJ
fsr-3455	128	27	woodyard	woodyard	PROPN
fsr-3455	128	28	,	,	PUNCT
fsr-3455	128	29	2011	2011	NUM
fsr-3455	128	30	;	;	PUNCT
fsr-3455	128	31	seay	seay	PROPN
fsr-3455	128	32	,	,	PUNCT
fsr-3455	128	33	preece	preece	PROPN
fsr-3455	128	34	,	,	PUNCT
fsr-3455	128	35	&	&	CCONJ
fsr-3455	128	36	le	le	PROPN
fsr-3455	128	37	,	,	PUNCT
fsr-3455	128	38	2017	2017	NUM
fsr-3455	128	39	)	)	PUNCT
fsr-3455	128	40	.	.	PUNCT
fsr-3455	129	1	the	the	DET
fsr-3455	129	2	variables	variable	NOUN
fsr-3455	129	3	are	be	AUX
fsr-3455	129	4	coded	code	VERB
fsr-3455	129	5	as	as	ADP
fsr-3455	129	6	1	1	NUM
fsr-3455	129	7	if	if	SCONJ
fsr-3455	129	8	a	a	DET
fsr-3455	129	9	respondent	respondent	NOUN
fsr-3455	129	10	provides	provide	VERB
fsr-3455	129	11	the	the	DET
fsr-3455	129	12	correct	correct	ADJ
fsr-3455	129	13	answer	answer	NOUN
fsr-3455	129	14	,	,	PUNCT
fsr-3455	129	15	or	or	CCONJ
fsr-3455	129	16	0	0	NUM
fsr-3455	129	17	otherwise	otherwise	ADV
fsr-3455	129	18	.	.	PUNCT
fsr-3455	130	1	3.2.3	3.2.3	X
fsr-3455	130	2	.	.	PUNCT
fsr-3455	130	3	financial	financial	ADJ
fsr-3455	130	4	management	management	PROPN
fsr-3455	130	5	financial	financial	ADJ
fsr-3455	130	6	management	management	NOUN
fsr-3455	130	7	is	be	AUX
fsr-3455	130	8	a	a	DET
fsr-3455	130	9	latent	latent	NOUN
fsr-3455	130	10	variable	variable	NOUN
fsr-3455	130	11	manifested	manifest	VERB
fsr-3455	130	12	by	by	ADP
fsr-3455	130	13	three	three	NUM
fsr-3455	130	14	indicators	indicator	NOUN
fsr-3455	130	15	.	.	PUNCT
fsr-3455	131	1	the	the	DET
fsr-3455	131	2	financial	financial	ADJ
fsr-3455	131	3	management	management	NOUN
fsr-3455	131	4	variable	variable	NOUN
fsr-3455	131	5	represents	represent	VERB
fsr-3455	131	6	respondents	respondent	NOUN
fsr-3455	131	7	’	'	PUNCT
fsr-3455	131	8	normative	normative	ADJ
fsr-3455	131	9	financial	financial	ADJ
fsr-3455	131	10	behavior	behavior	NOUN
fsr-3455	131	11	.	.	PUNCT
fsr-3455	132	1	the	the	DET
fsr-3455	132	2	indicator	indicator	NOUN
fsr-3455	132	3	variables	variable	NOUN
fsr-3455	132	4	are	be	AUX
fsr-3455	132	5	budgeting	budget	VERB
fsr-3455	132	6	,	,	PUNCT
fsr-3455	132	7	tracking	track	VERB
fsr-3455	132	8	spending	spending	NOUN
fsr-3455	132	9	,	,	PUNCT
fsr-3455	132	10	and	and	CCONJ
fsr-3455	132	11	tracking	tracking	NOUN
fsr-3455	132	12	transactions	transaction	NOUN
fsr-3455	132	13	.	.	PUNCT
fsr-3455	133	1	the	the	DET
fsr-3455	133	2	variables	variable	NOUN
fsr-3455	133	3	are	be	AUX
fsr-3455	133	4	measured	measure	VERB
fsr-3455	133	5	by	by	ADP
fsr-3455	133	6	the	the	DET
fsr-3455	133	7	following	follow	VERB
fsr-3455	133	8	items	item	NOUN
fsr-3455	133	9	:	:	PUNCT
fsr-3455	133	10	“	"	PUNCT
fsr-3455	133	11	i	i	PRON
fsr-3455	133	12	have	have	AUX
fsr-3455	133	13	a	a	DET
fsr-3455	133	14	weekly	weekly	ADJ
fsr-3455	133	15	or	or	CCONJ
fsr-3455	133	16	monthly	monthly	ADJ
fsr-3455	133	17	budget	budget	NOUN
fsr-3455	133	18	that	that	PRON
fsr-3455	133	19	i	i	PRON
fsr-3455	133	20	follow	follow	VERB
fsr-3455	133	21	(	(	PUNCT
fsr-3455	133	22	budgeting	budgeting	NOUN
fsr-3455	133	23	)	)	PUNCT
fsr-3455	133	24	,	,	PUNCT
fsr-3455	133	25	”	"	PUNCT
fsr-3455	133	26	“	"	PUNCT
fsr-3455	133	27	i	i	PRON
fsr-3455	133	28	track	track	VERB
fsr-3455	133	29	my	my	PRON
fsr-3455	133	30	spending	spending	NOUN
fsr-3455	133	31	to	to	PART
fsr-3455	133	32	stay	stay	VERB
fsr-3455	133	33	within	within	ADP
fsr-3455	133	34	my	my	PRON
fsr-3455	133	35	budget	budget	NOUN
fsr-3455	133	36	(	(	PUNCT
fsr-3455	133	37	tracking	track	VERB
fsr-3455	133	38	spending	spending	NOUN
fsr-3455	133	39	)	)	PUNCT
fsr-3455	133	40	,	,	PUNCT
fsr-3455	133	41	”	"	PUNCT
fsr-3455	133	42	and	and	CCONJ
fsr-3455	133	43	“	"	PUNCT
fsr-3455	133	44	i	i	PRON
fsr-3455	133	45	track	track	VERB
fsr-3455	133	46	all	all	DET
fsr-3455	133	47	debit	debit	NOUN
fsr-3455	133	48	card	card	NOUN
fsr-3455	133	49	transactions	transaction	NOUN
fsr-3455	133	50	/	/	SYM
fsr-3455	133	51	checks	check	NOUN
fsr-3455	133	52	to	to	PART
fsr-3455	133	53	balance	balance	VERB
fsr-3455	133	54	my	my	PRON
fsr-3455	133	55	account	account	NOUN
fsr-3455	133	56	(	(	PUNCT
fsr-3455	133	57	tracking	tracking	NOUN
fsr-3455	133	58	transactions	transaction	NOUN
fsr-3455	133	59	)	)	PUNCT
fsr-3455	133	60	.	.	PUNCT
fsr-3455	133	61	”	"	PUNCT
fsr-3455	134	1	respondents	respondent	NOUN
fsr-3455	134	2	are	be	AUX
fsr-3455	134	3	given	give	VERB
fsr-3455	134	4	four	four	NUM
fsr-3455	134	5	options	option	NOUN
fsr-3455	134	6	to	to	PART
fsr-3455	134	7	choose	choose	VERB
fsr-3455	134	8	1	1	NUM
fsr-3455	134	9	=	=	PUNCT
fsr-3455	134	10	never	never	ADV
fsr-3455	134	11	,	,	PUNCT
fsr-3455	134	12	2	2	X
fsr-3455	134	13	=	=	PUNCT
fsr-3455	134	14	sometimes	sometimes	ADV
fsr-3455	134	15	,	,	PUNCT
fsr-3455	134	16	3	3	NUM
fsr-3455	134	17	=	=	PUNCT
fsr-3455	134	18	frequently	frequently	ADV
fsr-3455	134	19	,	,	PUNCT
fsr-3455	134	20	or	or	CCONJ
fsr-3455	134	21	4	4	NUM
fsr-3455	134	22	=	=	NOUN
fsr-3455	134	23	always	always	ADV
fsr-3455	134	24	.	.	PUNCT
fsr-3455	135	1	3.3	3.3	NUM
fsr-3455	135	2	.	.	PUNCT
fsr-3455	135	3	covariates	covariate	VERB
fsr-3455	135	4	this	this	DET
fsr-3455	135	5	study	study	NOUN
fsr-3455	135	6	includes	include	VERB
fsr-3455	135	7	eight	eight	NUM
fsr-3455	135	8	control	control	NOUN
fsr-3455	135	9	variables	variable	NOUN
fsr-3455	135	10	:	:	PUNCT
fsr-3455	135	11	age	age	NOUN
fsr-3455	135	12	,	,	PUNCT
fsr-3455	135	13	gender	gender	NOUN
fsr-3455	135	14	,	,	PUNCT
fsr-3455	135	15	employment	employment	NOUN
fsr-3455	135	16	,	,	PUNCT
fsr-3455	135	17	annual	annual	ADJ
fsr-3455	135	18	income	income	NOUN
fsr-3455	135	19	,	,	PUNCT
fsr-3455	135	20	marital	marital	ADJ
fsr-3455	135	21	status	status	NOUN
fsr-3455	135	22	,	,	PUNCT
fsr-3455	135	23	having	have	VERB
fsr-3455	135	24	child(ren	child(ren	PROPN
fsr-3455	135	25	)	)	PUNCT
fsr-3455	135	26	,	,	PUNCT
fsr-3455	135	27	first	first	ADJ
fsr-3455	135	28	generation	generation	NOUN
fsr-3455	135	29	status	status	NOUN
fsr-3455	135	30	,	,	PUNCT
fsr-3455	135	31	and	and	CCONJ
fsr-3455	135	32	financial	financial	ADJ
fsr-3455	135	33	education	education	NOUN
fsr-3455	135	34	.	.	PUNCT
fsr-3455	136	1	these	these	DET
fsr-3455	136	2	socio	socio	NOUN
fsr-3455	136	3	-	-	ADJ
fsr-3455	136	4	demographic	demographic	ADJ
fsr-3455	136	5	variables	variable	NOUN
fsr-3455	136	6	are	be	AUX
fsr-3455	136	7	known	know	VERB
fsr-3455	136	8	to	to	PART
fsr-3455	136	9	be	be	AUX
fsr-3455	136	10	associated	associate	VERB
fsr-3455	136	11	with	with	ADP
fsr-3455	136	12	financial	financial	ADJ
fsr-3455	136	13	management	management	NOUN
fsr-3455	136	14	and	and	CCONJ
fsr-3455	136	15	financial	financial	ADJ
fsr-3455	136	16	self	self	NOUN
fsr-3455	136	17	-	-	PUNCT
fsr-3455	136	18	efficacy	efficacy	NOUN
fsr-3455	136	19	(	(	PUNCT
fsr-3455	136	20	al	al	PROPN
fsr-3455	136	21	-	-	PUNCT
fsr-3455	136	22	bahrani	bahrani	PROPN
fsr-3455	136	23	et	et	PROPN
fsr-3455	136	24	al	al	PROPN
fsr-3455	136	25	.	.	PROPN
fsr-3455	136	26	,	,	PUNCT
fsr-3455	136	27	2019	2019	NUM
fsr-3455	136	28	;	;	PUNCT
fsr-3455	136	29	alhenawi	alhenawi	NOUN
fsr-3455	136	30	&	&	CCONJ
fsr-3455	136	31	elkhal	elkhal	PROPN
fsr-3455	136	32	,	,	PUNCT
fsr-3455	136	33	2013	2013	NUM
fsr-3455	136	34	;	;	PUNCT
fsr-3455	136	35	chambers	chamber	NOUN
fsr-3455	136	36	,	,	PUNCT
fsr-3455	136	37	asarta	asarta	ADV
fsr-3455	136	38	,	,	PUNCT
fsr-3455	136	39	&	&	CCONJ
fsr-3455	136	40	farley	farley	PROPN
fsr-3455	136	41	-	-	PUNCT
fsr-3455	136	42	ripple	ripple	NOUN
fsr-3455	136	43	,	,	PUNCT
fsr-3455	136	44	2019	2019	NUM
fsr-3455	136	45	;	;	PUNCT
fsr-3455	136	46	harrington	harrington	PROPN
fsr-3455	136	47	&	&	CCONJ
fsr-3455	136	48	smith	smith	PROPN
fsr-3455	136	49	,	,	PUNCT
fsr-3455	136	50	2016	2016	NUM
fsr-3455	136	51	;	;	PUNCT
fsr-3455	136	52	henager	henag	ADJ
fsr-3455	136	53	&	&	CCONJ
fsr-3455	136	54	cude	cude	ADJ
fsr-3455	136	55	,	,	PUNCT
fsr-3455	136	56	2016	2016	NUM
fsr-3455	136	57	;	;	PUNCT
fsr-3455	136	58	tang	tang	PROPN
fsr-3455	136	59	&	&	CCONJ
fsr-3455	136	60	peter	peter	PROPN
fsr-3455	136	61	,	,	PUNCT
fsr-3455	136	62	2015	2015	NUM
fsr-3455	136	63	;	;	PUNCT
fsr-3455	136	64	varum	varum	PROPN
fsr-3455	136	65	&	&	CCONJ
fsr-3455	136	66	kolyban	kolyban	PROPN
fsr-3455	136	67	,	,	PUNCT
fsr-3455	136	68	2014	2014	NUM
fsr-3455	136	69	;	;	PUNCT
fsr-3455	136	70	wagner	wagner	PROPN
fsr-3455	136	71	,	,	PUNCT
fsr-3455	136	72	2019	2019	NUM
fsr-3455	136	73	)	)	PUNCT
fsr-3455	136	74	.	.	PUNCT
fsr-3455	137	1	age	age	NOUN
fsr-3455	137	2	is	be	AUX
fsr-3455	137	3	a	a	DET
fsr-3455	137	4	numeric	numeric	ADJ
fsr-3455	137	5	value	value	NOUN
fsr-3455	137	6	.	.	PUNCT
fsr-3455	138	1	gender	gender	NOUN
fsr-3455	138	2	is	be	AUX
fsr-3455	138	3	coded	code	VERB
fsr-3455	138	4	as	as	ADP
fsr-3455	138	5	1	1	NUM
fsr-3455	138	6	=	=	SYM
fsr-3455	138	7	female	female	NOUN
fsr-3455	138	8	,	,	PUNCT
fsr-3455	138	9	or	or	CCONJ
fsr-3455	138	10	0	0	NUM
fsr-3455	138	11	=	=	SYM
fsr-3455	138	12	male	male	NOUN
fsr-3455	138	13	.	.	PUNCT
fsr-3455	139	1	employment	employment	NOUN
fsr-3455	139	2	is	be	AUX
fsr-3455	139	3	coded	code	VERB
fsr-3455	139	4	as	as	ADP
fsr-3455	139	5	a	a	DET
fsr-3455	139	6	dummy	dummy	ADJ
fsr-3455	139	7	variable	variable	NOUN
fsr-3455	139	8	indicating	indicate	VERB
fsr-3455	139	9	1	1	NUM
fsr-3455	139	10	=	=	SYM
fsr-3455	139	11	employed	employ	VERB
fsr-3455	139	12	and	and	CCONJ
fsr-3455	139	13	0	0	NUM
fsr-3455	139	14	=	=	SYM
fsr-3455	139	15	not	not	PART
fsr-3455	139	16	employed	employ	VERB
fsr-3455	139	17	.	.	PUNCT
fsr-3455	140	1	the	the	DET
fsr-3455	140	2	“	"	PUNCT
fsr-3455	140	3	employed	employ	VERB
fsr-3455	140	4	”	"	PUNCT
fsr-3455	140	5	category	category	NOUN
fsr-3455	140	6	includes	include	VERB
fsr-3455	140	7	respondents	respondent	NOUN
fsr-3455	140	8	who	who	PRON
fsr-3455	140	9	are	be	AUX
fsr-3455	140	10	working	work	VERB
fsr-3455	140	11	full	full	ADJ
fsr-3455	140	12	-	-	PUNCT
fsr-3455	140	13	time	time	NOUN
fsr-3455	140	14	,	,	PUNCT
fsr-3455	140	15	part	part	NOUN
fsr-3455	140	16	-	-	PUNCT
fsr-3455	140	17	time	time	NOUN
fsr-3455	140	18	,	,	PUNCT
fsr-3455	140	19	or	or	CCONJ
fsr-3455	140	20	self	self	NOUN
fsr-3455	140	21	-	-	PUNCT
fsr-3455	140	22	employed	employ	VERB
fsr-3455	140	23	.	.	PUNCT
fsr-3455	141	1	annual	annual	ADJ
fsr-3455	141	2	income	income	NOUN
fsr-3455	141	3	is	be	AUX
fsr-3455	141	4	also	also	ADV
fsr-3455	141	5	coded	code	VERB
fsr-3455	141	6	dichotomously	dichotomously	ADV
fsr-3455	141	7	:	:	PUNCT
fsr-3455	141	8	1	1	NUM
fsr-3455	141	9	=	=	SYM
fsr-3455	141	10	above	above	ADP
fsr-3455	141	11	median	median	ADJ
fsr-3455	141	12	income	income	NOUN
fsr-3455	141	13	,	,	PUNCT
fsr-3455	141	14	or	or	CCONJ
fsr-3455	141	15	0	0	NUM
fsr-3455	141	16	=	=	SYM
fsr-3455	141	17	median	median	ADJ
fsr-3455	141	18	income	income	NOUN
fsr-3455	141	19	or	or	CCONJ
fsr-3455	141	20	less	less	ADJ
fsr-3455	141	21	.	.	PUNCT
fsr-3455	142	1	because	because	SCONJ
fsr-3455	142	2	there	there	PRON
fsr-3455	142	3	is	be	VERB
fsr-3455	142	4	no	no	DET
fsr-3455	142	5	direct	direct	ADJ
fsr-3455	142	6	measurement	measurement	NOUN
fsr-3455	142	7	for	for	ADP
fsr-3455	142	8	marital	marital	ADJ
fsr-3455	142	9	status	status	NOUN
fsr-3455	142	10	,	,	PUNCT
fsr-3455	142	11	we	we	PRON
fsr-3455	142	12	use	use	VERB
fsr-3455	142	13	a	a	DET
fsr-3455	142	14	proxy	proxy	ADJ
fsr-3455	142	15	variable	variable	NOUN
fsr-3455	142	16	measured	measure	VERB
fsr-3455	142	17	by	by	ADP
fsr-3455	142	18	an	an	DET
fsr-3455	142	19	item	item	NOUN
fsr-3455	142	20	asking	asking	NOUN
fsr-3455	142	21	,	,	PUNCT
fsr-3455	142	22	“	"	PUNCT
fsr-3455	142	23	are	be	AUX
fsr-3455	142	24	you	you	PRON
fsr-3455	142	25	financially	financially	ADV
fsr-3455	142	26	responsible	responsible	ADJ
fsr-3455	142	27	for	for	ADP
fsr-3455	142	28	a	a	DET
fsr-3455	142	29	spouse	spouse	NOUN
fsr-3455	142	30	/	/	SYM
fsr-3455	142	31	partner	partner	NOUN
fsr-3455	142	32	?	?	PUNCT
fsr-3455	142	33	”	"	PUNCT
fsr-3455	143	1	having	have	VERB
fsr-3455	143	2	child(ren	child(ren	NOUN
fsr-3455	143	3	)	)	PUNCT
fsr-3455	143	4	is	be	AUX
fsr-3455	143	5	coded	code	VERB
fsr-3455	143	6	as	as	ADP
fsr-3455	143	7	1	1	NUM
fsr-3455	143	8	if	if	SCONJ
fsr-3455	143	9	respondents	respondent	NOUN
fsr-3455	143	10	have	have	VERB
fsr-3455	143	11	any	any	DET
fsr-3455	143	12	financially	financially	ADV
fsr-3455	143	13	dependent	dependent	ADJ
fsr-3455	143	14	child	child	NOUN
fsr-3455	143	15	or	or	CCONJ
fsr-3455	143	16	children	child	NOUN
fsr-3455	143	17	,	,	PUNCT
fsr-3455	143	18	or	or	CCONJ
fsr-3455	143	19	0	0	NUM
fsr-3455	143	20	otherwise	otherwise	ADV
fsr-3455	143	21	.	.	PUNCT
fsr-3455	144	1	first	first	ADJ
fsr-3455	144	2	generation	generation	NOUN
fsr-3455	144	3	status	status	NOUN
fsr-3455	144	4	is	be	AUX
fsr-3455	144	5	an	an	DET
fsr-3455	144	6	indicator	indicator	NOUN
fsr-3455	144	7	of	of	ADP
fsr-3455	144	8	parents	parent	NOUN
fsr-3455	144	9	’	'	PUNCT
fsr-3455	144	10	education	education	NOUN
fsr-3455	144	11	.	.	PUNCT
fsr-3455	145	1	it	it	PRON
fsr-3455	145	2	defines	define	VERB
fsr-3455	145	3	whether	whether	SCONJ
fsr-3455	145	4	either	either	CCONJ
fsr-3455	145	5	parent	parent	NOUN
fsr-3455	145	6	completed	complete	VERB
fsr-3455	145	7	a	a	DET
fsr-3455	145	8	bachelor	bachelor	NOUN
fsr-3455	145	9	’s	’s	PART
fsr-3455	145	10	degree	degree	NOUN
fsr-3455	145	11	.	.	PUNCT
fsr-3455	146	1	first	first	ADJ
fsr-3455	146	2	generation	generation	NOUN
fsr-3455	146	3	is	be	AUX
fsr-3455	146	4	coded	code	VERB
fsr-3455	146	5	as	as	ADP
fsr-3455	146	6	1	1	NUM
fsr-3455	146	7	=	=	SYM
fsr-3455	146	8	first	first	ADJ
fsr-3455	146	9	generation	generation	NOUN
fsr-3455	146	10	student	student	NOUN
fsr-3455	146	11	,	,	PUNCT
fsr-3455	146	12	or	or	CCONJ
fsr-3455	146	13	0	0	NUM
fsr-3455	146	14	=	=	SYM
fsr-3455	146	15	not	not	PART
fsr-3455	146	16	first	first	ADJ
fsr-3455	146	17	generation	generation	NOUN
fsr-3455	146	18	student	student	NOUN
fsr-3455	146	19	.	.	PUNCT
fsr-3455	147	1	finally	finally	ADV
fsr-3455	147	2	,	,	PUNCT
fsr-3455	147	3	financial	financial	ADJ
fsr-3455	147	4	education	education	NOUN
fsr-3455	147	5	indicates	indicate	VERB
fsr-3455	147	6	whether	whether	SCONJ
fsr-3455	147	7	respondents	respondent	NOUN
fsr-3455	147	8	attended	attend	VERB
fsr-3455	147	9	any	any	DET
fsr-3455	147	10	personal	personal	ADJ
fsr-3455	147	11	finance	finance	NOUN
fsr-3455	147	12	classes	class	NOUN
fsr-3455	147	13	/	/	SYM
fsr-3455	147	14	workshops	workshop	NOUN
fsr-3455	147	15	when	when	SCONJ
fsr-3455	147	16	they	they	PRON
fsr-3455	147	17	were	be	AUX
fsr-3455	147	18	in	in	ADP
fsr-3455	147	19	high	high	ADJ
fsr-3455	147	20	school	school	NOUN
fsr-3455	147	21	or	or	CCONJ
fsr-3455	147	22	in	in	ADP
fsr-3455	147	23	college	college	NOUN
fsr-3455	147	24	.	.	PUNCT
fsr-3455	148	1	the	the	DET
fsr-3455	148	2	variable	variable	NOUN
fsr-3455	148	3	is	be	AUX
fsr-3455	148	4	coded	code	VERB
fsr-3455	148	5	dichotomously	dichotomously	ADV
fsr-3455	148	6	(	(	PUNCT
fsr-3455	148	7	1	1	NUM
fsr-3455	148	8	=	=	SYM
fsr-3455	148	9	yes	yes	INTJ
fsr-3455	148	10	,	,	PUNCT
fsr-3455	148	11	0	0	NUM
fsr-3455	148	12	=	=	SYM
fsr-3455	148	13	no	no	NOUN
fsr-3455	148	14	)	)	PUNCT
fsr-3455	148	15	.	.	PUNCT
fsr-3455	149	1	3.4	3.4	NUM
fsr-3455	149	2	.	.	PUNCT
fsr-3455	149	3	model	model	NOUN
fsr-3455	149	4	analysis	analysis	NOUN
fsr-3455	149	5	the	the	DET
fsr-3455	149	6	analytic	analytic	ADJ
fsr-3455	149	7	procedure	procedure	NOUN
fsr-3455	149	8	is	be	AUX
fsr-3455	149	9	as	as	SCONJ
fsr-3455	149	10	follows	follow	VERB
fsr-3455	149	11	.	.	PUNCT
fsr-3455	150	1	first	first	ADV
fsr-3455	150	2	,	,	PUNCT
fsr-3455	150	3	we	we	PRON
fsr-3455	150	4	specify	specify	VERB
fsr-3455	150	5	the	the	DET
fsr-3455	150	6	model	model	NOUN
fsr-3455	150	7	to	to	PART
fsr-3455	150	8	be	be	AUX
fsr-3455	150	9	tested	test	VERB
fsr-3455	150	10	.	.	PUNCT
fsr-3455	151	1	the	the	DET
fsr-3455	151	2	variables	variable	NOUN
fsr-3455	151	3	are	be	AUX
fsr-3455	151	4	selected	select	VERB
fsr-3455	151	5	from	from	ADP
fsr-3455	151	6	the	the	DET
fsr-3455	151	7	available	available	ADJ
fsr-3455	151	8	information	information	NOUN
fsr-3455	151	9	within	within	ADP
fsr-3455	151	10	the	the	DET
fsr-3455	151	11	data	datum	NOUN
fsr-3455	151	12	.	.	PUNCT
fsr-3455	152	1	the	the	DET
fsr-3455	152	2	relationships	relationship	NOUN
fsr-3455	152	3	among	among	ADP
fsr-3455	152	4	176	176	NUM
fsr-3455	152	5	k.	k.	PROPN
fsr-3455	152	6	white	white	PROPN
fsr-3455	152	7	et	et	PROPN
fsr-3455	152	8	al	al	PROPN
fsr-3455	152	9	.	.	PUNCT
fsr-3455	152	10	/	/	SYM
fsr-3455	152	11	financial	financial	ADJ
fsr-3455	152	12	services	service	NOUN
fsr-3455	152	13	review	review	VERB
fsr-3455	152	14	29	29	NUM
fsr-3455	152	15	(	(	PUNCT
fsr-3455	152	16	2021	2021	NUM
fsr-3455	152	17	)	)	PUNCT
fsr-3455	153	1	169–185	169–185	NUM
fsr-3455	153	2	the	the	DET
fsr-3455	153	3	variables	variable	NOUN
fsr-3455	153	4	are	be	AUX
fsr-3455	153	5	hypothesized	hypothesize	VERB
fsr-3455	153	6	based	base	VERB
fsr-3455	153	7	on	on	ADP
fsr-3455	153	8	previous	previous	ADJ
fsr-3455	153	9	literature	literature	NOUN
fsr-3455	153	10	.	.	PUNCT
fsr-3455	154	1	similar	similar	ADJ
fsr-3455	154	2	to	to	ADP
fsr-3455	154	3	bapat	bapat	PROPN
fsr-3455	154	4	(	(	PUNCT
fsr-3455	154	5	2019	2019	NUM
fsr-3455	154	6	)	)	PUNCT
fsr-3455	154	7	,	,	PUNCT
fsr-3455	154	8	we	we	PRON
fsr-3455	154	9	employed	employ	VERB
fsr-3455	154	10	structural	structural	ADJ
fsr-3455	154	11	equation	equation	NOUN
fsr-3455	154	12	modeling	modeling	NOUN
fsr-3455	154	13	(	(	PUNCT
fsr-3455	154	14	sem	sem	NOUN
fsr-3455	154	15	)	)	PUNCT
fsr-3455	154	16	to	to	PART
fsr-3455	154	17	test	test	VERB
fsr-3455	154	18	the	the	DET
fsr-3455	154	19	hypothesized	hypothesized	ADJ
fsr-3455	154	20	relationship	relationship	NOUN
fsr-3455	154	21	among	among	ADP
fsr-3455	154	22	the	the	DET
fsr-3455	154	23	variables	variable	NOUN
fsr-3455	154	24	of	of	ADP
fsr-3455	154	25	interest	interest	NOUN
fsr-3455	154	26	.	.	PUNCT
fsr-3455	155	1	sem	sem	PROPN
fsr-3455	155	2	is	be	AUX
fsr-3455	155	3	a	a	DET
fsr-3455	155	4	statistical	statistical	ADJ
fsr-3455	155	5	technique	technique	NOUN
fsr-3455	155	6	that	that	PRON
fsr-3455	155	7	conducts	conduct	VERB
fsr-3455	155	8	confirmatory	confirmatory	ADJ
fsr-3455	155	9	factor	factor	NOUN
fsr-3455	155	10	analysis	analysis	NOUN
fsr-3455	155	11	and	and	CCONJ
fsr-3455	155	12	path	path	NOUN
fsr-3455	155	13	analysis	analysis	NOUN
fsr-3455	155	14	simultaneously	simultaneously	ADV
fsr-3455	155	15	.	.	PUNCT
fsr-3455	156	1	confirmatory	confirmatory	ADJ
fsr-3455	156	2	factor	factor	NOUN
fsr-3455	156	3	analysis	analysis	NOUN
fsr-3455	156	4	(	(	PUNCT
fsr-3455	156	5	cfa	cfa	NOUN
fsr-3455	156	6	)	)	PUNCT
fsr-3455	156	7	examines	examine	VERB
fsr-3455	156	8	whether	whether	SCONJ
fsr-3455	156	9	a	a	DET
fsr-3455	156	10	latent	latent	NOUN
fsr-3455	156	11	variable	variable	NOUN
fsr-3455	156	12	is	be	AUX
fsr-3455	156	13	conceptually	conceptually	ADV
fsr-3455	156	14	well	well	ADV
fsr-3455	156	15	represented	represent	VERB
fsr-3455	156	16	by	by	ADP
fsr-3455	156	17	its	its	PRON
fsr-3455	156	18	observed	observed	ADJ
fsr-3455	156	19	indicators	indicator	NOUN
fsr-3455	156	20	.	.	PUNCT
fsr-3455	157	1	the	the	DET
fsr-3455	157	2	strength	strength	NOUN
fsr-3455	157	3	of	of	ADP
fsr-3455	157	4	relationship	relationship	NOUN
fsr-3455	157	5	between	between	ADP
fsr-3455	157	6	each	each	DET
fsr-3455	157	7	indicator	indicator	NOUN
fsr-3455	157	8	variable	variable	NOUN
fsr-3455	157	9	and	and	CCONJ
fsr-3455	157	10	a	a	DET
fsr-3455	157	11	latent	latent	NOUN
fsr-3455	157	12	variable	variable	NOUN
fsr-3455	157	13	is	be	AUX
fsr-3455	157	14	assessed	assess	VERB
fsr-3455	157	15	by	by	ADP
fsr-3455	157	16	factor	factor	NOUN
fsr-3455	157	17	loading	loading	NOUN
fsr-3455	157	18	.	.	PUNCT
fsr-3455	158	1	factor	factor	NOUN
fsr-3455	158	2	loadings	loading	NOUN
fsr-3455	158	3	greater	great	ADJ
fsr-3455	158	4	than	than	ADP
fsr-3455	158	5	0.5	0.5	NUM
fsr-3455	158	6	are	be	AUX
fsr-3455	158	7	generally	generally	ADV
fsr-3455	158	8	considered	consider	VERB
fsr-3455	158	9	as	as	ADV
fsr-3455	158	10	high	high	ADJ
fsr-3455	158	11	;	;	PUNCT
fsr-3455	158	12	however	however	ADV
fsr-3455	158	13	,	,	PUNCT
fsr-3455	158	14	0.3	0.3	NUM
fsr-3455	158	15	and	and	CCONJ
fsr-3455	158	16	0.4	0.4	NUM
fsr-3455	158	17	are	be	AUX
fsr-3455	158	18	minimally	minimally	ADV
fsr-3455	158	19	acceptable	acceptable	ADJ
fsr-3455	158	20	if	if	SCONJ
fsr-3455	158	21	the	the	DET
fsr-3455	158	22	sample	sample	NOUN
fsr-3455	158	23	size	size	NOUN
fsr-3455	158	24	is	be	AUX
fsr-3455	158	25	350	350	NUM
fsr-3455	158	26	or	or	CCONJ
fsr-3455	158	27	larger	large	ADJ
fsr-3455	158	28	(	(	PUNCT
fsr-3455	158	29	hair	hair	NOUN
fsr-3455	158	30	et	et	PROPN
fsr-3455	158	31	al	al	PROPN
fsr-3455	158	32	.	.	PROPN
fsr-3455	158	33	,	,	PUNCT
fsr-3455	158	34	2014	2014	NUM
fsr-3455	158	35	;	;	PUNCT
fsr-3455	158	36	kline	kline	PROPN
fsr-3455	158	37	,	,	PUNCT
fsr-3455	158	38	1994	1994	NUM
fsr-3455	158	39	)	)	PUNCT
fsr-3455	158	40	.	.	PUNCT
fsr-3455	159	1	path	path	NOUN
fsr-3455	159	2	analysis	analysis	NOUN
fsr-3455	159	3	identifies	identify	VERB
fsr-3455	159	4	the	the	DET
fsr-3455	159	5	significance	significance	NOUN
fsr-3455	159	6	of	of	ADP
fsr-3455	159	7	hypothesized	hypothesized	ADJ
fsr-3455	159	8	relationships	relationship	NOUN
fsr-3455	159	9	among	among	ADP
fsr-3455	159	10	the	the	DET
fsr-3455	159	11	latent	latent	NOUN
fsr-3455	159	12	variables	variable	NOUN
fsr-3455	159	13	.	.	PUNCT
fsr-3455	160	1	path	path	NOUN
fsr-3455	160	2	analysis	analysis	NOUN
fsr-3455	160	3	helps	help	VERB
fsr-3455	160	4	understand	understand	VERB
fsr-3455	160	5	the	the	DET
fsr-3455	160	6	sequential	sequential	ADJ
fsr-3455	160	7	associations	association	NOUN
fsr-3455	160	8	of	of	ADP
fsr-3455	160	9	the	the	DET
fsr-3455	160	10	variables	variable	NOUN
fsr-3455	160	11	.	.	PUNCT
fsr-3455	161	1	as	as	SCONJ
fsr-3455	161	2	structural	structural	ADJ
fsr-3455	161	3	equation	equation	NOUN
fsr-3455	161	4	modeling	modeling	NOUN
fsr-3455	161	5	takes	take	VERB
fsr-3455	161	6	advantage	advantage	NOUN
fsr-3455	161	7	of	of	ADP
fsr-3455	161	8	both	both	DET
fsr-3455	161	9	latent	latent	ADJ
fsr-3455	161	10	variable	variable	ADJ
fsr-3455	161	11	analysis	analysis	NOUN
fsr-3455	161	12	(	(	PUNCT
fsr-3455	161	13	i.e.	i.e.	X
fsr-3455	161	14	,	,	PUNCT
fsr-3455	161	15	cfa	cfa	NOUN
fsr-3455	161	16	)	)	PUNCT
fsr-3455	161	17	and	and	CCONJ
fsr-3455	161	18	path	path	NOUN
fsr-3455	161	19	analysis	analysis	NOUN
fsr-3455	161	20	,	,	PUNCT
fsr-3455	161	21	it	it	PRON
fsr-3455	161	22	is	be	AUX
fsr-3455	161	23	useful	useful	ADJ
fsr-3455	161	24	when	when	SCONJ
fsr-3455	161	25	testing	test	VERB
fsr-3455	161	26	a	a	DET
fsr-3455	161	27	conceptual	conceptual	ADJ
fsr-3455	161	28	model	model	NOUN
fsr-3455	161	29	as	as	ADP
fsr-3455	161	30	a	a	DET
fsr-3455	161	31	whole	whole	NOUN
fsr-3455	161	32	.	.	PUNCT
fsr-3455	162	1	while	while	SCONJ
fsr-3455	162	2	traditional	traditional	ADJ
fsr-3455	162	3	regressions	regression	NOUN
fsr-3455	162	4	are	be	AUX
fsr-3455	162	5	powerful	powerful	ADJ
fsr-3455	162	6	when	when	SCONJ
fsr-3455	162	7	analyzing	analyze	VERB
fsr-3455	162	8	the	the	DET
fsr-3455	162	9	marginal	marginal	ADJ
fsr-3455	162	10	effect	effect	NOUN
fsr-3455	162	11	of	of	ADP
fsr-3455	162	12	an	an	DET
fsr-3455	162	13	independent	independent	ADJ
fsr-3455	162	14	variable	variable	NOUN
fsr-3455	162	15	(	(	PUNCT
fsr-3455	162	16	when	when	SCONJ
fsr-3455	162	17	holding	hold	VERB
fsr-3455	162	18	other	other	ADJ
fsr-3455	162	19	variables	variable	NOUN
fsr-3455	162	20	constant	constant	ADJ
fsr-3455	162	21	)	)	PUNCT
fsr-3455	162	22	on	on	ADP
fsr-3455	162	23	a	a	DET
fsr-3455	162	24	dependent	dependent	ADJ
fsr-3455	162	25	variable	variable	NOUN
fsr-3455	162	26	,	,	PUNCT
fsr-3455	162	27	they	they	PRON
fsr-3455	162	28	have	have	AUX
fsr-3455	162	29	limited	limit	VERB
fsr-3455	162	30	ability	ability	NOUN
fsr-3455	162	31	in	in	ADP
fsr-3455	162	32	examining	examine	VERB
fsr-3455	162	33	the	the	DET
fsr-3455	162	34	sequential	sequential	ADJ
fsr-3455	162	35	relationships	relationship	NOUN
fsr-3455	162	36	among	among	ADP
fsr-3455	162	37	the	the	DET
fsr-3455	162	38	relevant	relevant	ADJ
fsr-3455	162	39	variables	variable	NOUN
fsr-3455	162	40	.	.	PUNCT
fsr-3455	163	1	also	also	ADV
fsr-3455	163	2	,	,	PUNCT
fsr-3455	163	3	structural	structural	ADJ
fsr-3455	163	4	equation	equation	NOUN
fsr-3455	163	5	modeling	model	VERB
fsr-3455	163	6	minimizes	minimize	VERB
fsr-3455	163	7	the	the	DET
fsr-3455	163	8	measurement	measurement	NOUN
fsr-3455	163	9	errors	error	NOUN
fsr-3455	163	10	(	(	PUNCT
fsr-3455	163	11	bollen	bollen	PROPN
fsr-3455	163	12	,	,	PUNCT
fsr-3455	163	13	1989	1989	NUM
fsr-3455	163	14	)	)	PUNCT
fsr-3455	163	15	.	.	PUNCT
fsr-3455	164	1	the	the	DET
fsr-3455	164	2	second	second	ADJ
fsr-3455	164	3	hypothesis	hypothesis	NOUN
fsr-3455	164	4	of	of	ADP
fsr-3455	164	5	this	this	DET
fsr-3455	164	6	study	study	NOUN
fsr-3455	164	7	is	be	AUX
fsr-3455	164	8	to	to	PART
fsr-3455	164	9	examine	examine	VERB
fsr-3455	164	10	the	the	DET
fsr-3455	164	11	mediating	mediate	VERB
fsr-3455	164	12	role	role	NOUN
fsr-3455	164	13	of	of	ADP
fsr-3455	164	14	financial	financial	ADJ
fsr-3455	164	15	management	management	NOUN
fsr-3455	164	16	.	.	PUNCT
fsr-3455	165	1	thus	thus	ADV
fsr-3455	165	2	,	,	PUNCT
fsr-3455	165	3	we	we	PRON
fsr-3455	165	4	chose	choose	VERB
fsr-3455	165	5	structural	structural	ADJ
fsr-3455	165	6	equation	equation	NOUN
fsr-3455	165	7	modeling	modeling	NOUN
fsr-3455	165	8	as	as	ADP
fsr-3455	165	9	our	our	PRON
fsr-3455	165	10	analytic	analytic	ADJ
fsr-3455	165	11	method	method	NOUN
fsr-3455	165	12	because	because	SCONJ
fsr-3455	165	13	it	it	PRON
fsr-3455	165	14	is	be	AUX
fsr-3455	165	15	the	the	DET
fsr-3455	165	16	most	most	ADV
fsr-3455	165	17	appropriate	appropriate	ADJ
fsr-3455	165	18	method	method	NOUN
fsr-3455	165	19	to	to	PART
fsr-3455	165	20	analyze	analyze	VERB
fsr-3455	165	21	our	our	PRON
fsr-3455	165	22	research	research	NOUN
fsr-3455	165	23	questions	question	NOUN
fsr-3455	165	24	.	.	PUNCT
fsr-3455	166	1	to	to	PART
fsr-3455	166	2	compare	compare	VERB
fsr-3455	166	3	the	the	DET
fsr-3455	166	4	results	result	NOUN
fsr-3455	166	5	of	of	ADP
fsr-3455	166	6	african	african	ADJ
fsr-3455	166	7	american	american	PROPN
fsr-3455	166	8	to	to	ADP
fsr-3455	166	9	the	the	DET
fsr-3455	166	10	results	result	NOUN
fsr-3455	166	11	of	of	ADP
fsr-3455	166	12	non	non	ADJ
fsr-3455	166	13	-	-	ADJ
fsr-3455	166	14	african	african	ADJ
fsr-3455	166	15	american	american	ADJ
fsr-3455	166	16	students	student	NOUN
fsr-3455	166	17	,	,	PUNCT
fsr-3455	166	18	we	we	PRON
fsr-3455	166	19	applied	apply	VERB
fsr-3455	166	20	a	a	DET
fsr-3455	166	21	group	group	NOUN
fsr-3455	166	22	comparison	comparison	NOUN
fsr-3455	166	23	option	option	NOUN
fsr-3455	166	24	when	when	SCONJ
fsr-3455	166	25	conducting	conduct	VERB
fsr-3455	166	26	sem	sem	NOUN
fsr-3455	166	27	.	.	PUNCT
fsr-3455	167	1	the	the	DET
fsr-3455	167	2	path	path	NOUN
fsr-3455	167	3	coefficients	coefficient	NOUN
fsr-3455	167	4	are	be	AUX
fsr-3455	167	5	standardized	standardize	VERB
fsr-3455	167	6	for	for	ADP
fsr-3455	167	7	comparison	comparison	NOUN
fsr-3455	167	8	.	.	PUNCT
fsr-3455	168	1	the	the	DET
fsr-3455	168	2	model	model	NOUN
fsr-3455	168	3	was	be	AUX
fsr-3455	168	4	tested	test	VERB
fsr-3455	168	5	using	use	VERB
fsr-3455	168	6	stata	stata	NOUN
fsr-3455	168	7	15	15	NUM
fsr-3455	168	8	.	.	NOUN
fsr-3455	169	1	4	4	NUM
fsr-3455	169	2	.	.	NOUN
fsr-3455	169	3	results	result	VERB
fsr-3455	169	4	4.1	4.1	NUM
fsr-3455	169	5	.	.	PUNCT
fsr-3455	170	1	descriptive	descriptive	ADJ
fsr-3455	170	2	characteristics	characteristic	NOUN
fsr-3455	170	3	of	of	ADP
fsr-3455	170	4	respondents	respondent	NOUN
fsr-3455	170	5	table	table	NOUN
fsr-3455	170	6	1	1	NUM
fsr-3455	170	7	shows	show	VERB
fsr-3455	170	8	the	the	DET
fsr-3455	170	9	demographic	demographic	ADJ
fsr-3455	170	10	characteristics	characteristic	NOUN
fsr-3455	170	11	of	of	ADP
fsr-3455	170	12	the	the	DET
fsr-3455	170	13	sample	sample	NOUN
fsr-3455	170	14	.	.	PUNCT
fsr-3455	171	1	the	the	DET
fsr-3455	171	2	average	average	ADJ
fsr-3455	171	3	age	age	NOUN
fsr-3455	171	4	of	of	ADP
fsr-3455	171	5	african	african	ADJ
fsr-3455	171	6	american	american	ADJ
fsr-3455	171	7	students	student	NOUN
fsr-3455	171	8	(	(	PUNCT
fsr-3455	171	9	27.02	27.02	NUM
fsr-3455	171	10	)	)	PUNCT
fsr-3455	171	11	is	be	AUX
fsr-3455	171	12	higher	high	ADJ
fsr-3455	171	13	than	than	ADP
fsr-3455	171	14	that	that	PRON
fsr-3455	171	15	of	of	ADP
fsr-3455	171	16	non	non	ADJ
fsr-3455	171	17	-	-	ADJ
fsr-3455	171	18	african	african	ADJ
fsr-3455	171	19	american	american	ADJ
fsr-3455	171	20	students	student	NOUN
fsr-3455	171	21	(	(	PUNCT
fsr-3455	171	22	23.68	23.68	NUM
fsr-3455	171	23	)	)	PUNCT
fsr-3455	171	24	.	.	PUNCT
fsr-3455	172	1	the	the	DET
fsr-3455	172	2	sample	sample	NOUN
fsr-3455	172	3	is	be	AUX
fsr-3455	172	4	skewed	skew	VERB
fsr-3455	172	5	to	to	PART
fsr-3455	172	6	female	female	VERB
fsr-3455	172	7	for	for	ADP
fsr-3455	172	8	both	both	CCONJ
fsr-3455	172	9	african	african	ADJ
fsr-3455	172	10	american	american	ADJ
fsr-3455	172	11	students	student	NOUN
fsr-3455	172	12	(	(	PUNCT
fsr-3455	172	13	74	74	NUM
fsr-3455	172	14	%	%	NOUN
fsr-3455	172	15	)	)	PUNCT
fsr-3455	172	16	and	and	CCONJ
fsr-3455	172	17	non	non	ADJ
fsr-3455	172	18	-	-	ADJ
fsr-3455	172	19	african	african	ADJ
fsr-3455	172	20	american	american	ADJ
fsr-3455	172	21	students	student	NOUN
fsr-3455	172	22	(	(	PUNCT
fsr-3455	172	23	72	72	NUM
fsr-3455	172	24	%	%	NOUN
fsr-3455	172	25	)	)	PUNCT
fsr-3455	172	26	.	.	PUNCT
fsr-3455	173	1	for	for	ADP
fsr-3455	173	2	employment	employment	NOUN
fsr-3455	173	3	status	status	NOUN
fsr-3455	173	4	,	,	PUNCT
fsr-3455	173	5	the	the	DET
fsr-3455	173	6	percentage	percentage	NOUN
fsr-3455	173	7	of	of	ADP
fsr-3455	173	8	working	work	VERB
fsr-3455	173	9	full	full	ADJ
fsr-3455	173	10	-	-	PUNCT
fsr-3455	173	11	time	time	NOUN
fsr-3455	173	12	,	,	PUNCT
fsr-3455	173	13	part	part	NOUN
fsr-3455	173	14	-	-	PUNCT
fsr-3455	173	15	time	time	NOUN
fsr-3455	173	16	or	or	CCONJ
fsr-3455	173	17	self	self	NOUN
fsr-3455	173	18	-	-	PUNCT
fsr-3455	173	19	employed	employ	VERB
fsr-3455	173	20	is	be	AUX
fsr-3455	173	21	higher	high	ADJ
fsr-3455	173	22	for	for	ADP
fsr-3455	173	23	african	african	ADJ
fsr-3455	173	24	american	american	ADJ
fsr-3455	173	25	students	student	NOUN
fsr-3455	173	26	(	(	PUNCT
fsr-3455	173	27	73	73	NUM
fsr-3455	173	28	%	%	NOUN
fsr-3455	173	29	)	)	PUNCT
fsr-3455	173	30	compared	compare	VERB
fsr-3455	173	31	with	with	ADP
fsr-3455	173	32	non	non	ADJ
fsr-3455	173	33	-	-	ADJ
fsr-3455	173	34	african	african	ADJ
fsr-3455	173	35	american	american	PROPN
fsr-3455	173	36	(	(	PUNCT
fsr-3455	173	37	69	69	NUM
fsr-3455	173	38	%	%	NOUN
fsr-3455	173	39	)	)	PUNCT
fsr-3455	173	40	.	.	PUNCT
fsr-3455	174	1	these	these	DET
fsr-3455	174	2	results	result	NOUN
fsr-3455	174	3	may	may	AUX
fsr-3455	174	4	indicate	indicate	VERB
fsr-3455	174	5	a	a	DET
fsr-3455	174	6	necessity	necessity	NOUN
fsr-3455	174	7	for	for	SCONJ
fsr-3455	174	8	african	african	ADJ
fsr-3455	174	9	american	american	ADJ
fsr-3455	174	10	students	student	NOUN
fsr-3455	174	11	to	to	PART
fsr-3455	174	12	provide	provide	VERB
fsr-3455	174	13	more	more	ADJ
fsr-3455	174	14	of	of	ADP
fsr-3455	174	15	their	their	PRON
fsr-3455	174	16	own	own	ADJ
fsr-3455	174	17	financial	financial	ADJ
fsr-3455	174	18	support	support	NOUN
fsr-3455	174	19	than	than	ADP
fsr-3455	174	20	their	their	PRON
fsr-3455	174	21	non	non	ADJ
fsr-3455	174	22	-	-	ADJ
fsr-3455	174	23	african	african	ADJ
fsr-3455	174	24	american	american	ADJ
fsr-3455	174	25	counterparts	counterpart	NOUN
fsr-3455	174	26	.	.	PUNCT
fsr-3455	175	1	both	both	PRON
fsr-3455	175	2	african	african	ADJ
fsr-3455	175	3	american	american	ADJ
fsr-3455	175	4	students	student	NOUN
fsr-3455	175	5	and	and	CCONJ
fsr-3455	175	6	non	non	ADJ
fsr-3455	175	7	-	-	ADJ
fsr-3455	175	8	african	african	ADJ
fsr-3455	175	9	american	american	ADJ
fsr-3455	175	10	students	student	NOUN
fsr-3455	175	11	show	show	VERB
fsr-3455	175	12	a	a	DET
fsr-3455	175	13	low	low	ADJ
fsr-3455	175	14	rate	rate	NOUN
fsr-3455	175	15	of	of	ADP
fsr-3455	175	16	having	have	VERB
fsr-3455	175	17	a	a	DET
fsr-3455	175	18	spouse	spouse	NOUN
fsr-3455	175	19	or	or	CCONJ
fsr-3455	175	20	partner	partner	NOUN
fsr-3455	175	21	;	;	PUNCT
fsr-3455	175	22	however	however	ADV
fsr-3455	175	23	,	,	PUNCT
fsr-3455	175	24	more	more	ADJ
fsr-3455	175	25	african	african	ADJ
fsr-3455	175	26	american	american	ADJ
fsr-3455	175	27	students	student	NOUN
fsr-3455	175	28	(	(	PUNCT
fsr-3455	175	29	27	27	NUM
fsr-3455	175	30	%	%	NOUN
fsr-3455	175	31	)	)	PUNCT
fsr-3455	175	32	are	be	AUX
fsr-3455	175	33	financially	financially	ADV
fsr-3455	175	34	responsible	responsible	ADJ
fsr-3455	175	35	for	for	ADP
fsr-3455	175	36	a	a	DET
fsr-3455	175	37	child	child	NOUN
fsr-3455	175	38	or	or	CCONJ
fsr-3455	175	39	children	child	NOUN
fsr-3455	175	40	than	than	ADP
fsr-3455	175	41	their	their	PRON
fsr-3455	175	42	non	non	ADJ
fsr-3455	175	43	-	-	ADJ
fsr-3455	175	44	african	african	ADJ
fsr-3455	175	45	american	american	ADJ
fsr-3455	175	46	counterparts	counterpart	NOUN
fsr-3455	175	47	(	(	PUNCT
fsr-3455	175	48	14	14	NUM
fsr-3455	175	49	%	%	NOUN
fsr-3455	175	50	)	)	PUNCT
fsr-3455	175	51	.	.	PUNCT
fsr-3455	176	1	the	the	DET
fsr-3455	176	2	descriptive	descriptive	ADJ
fsr-3455	176	3	statistics	statistic	NOUN
fsr-3455	176	4	indicate	indicate	VERB
fsr-3455	176	5	more	more	ADJ
fsr-3455	176	6	african	african	ADJ
fsr-3455	176	7	american	american	ADJ
fsr-3455	176	8	students	student	NOUN
fsr-3455	176	9	(	(	PUNCT
fsr-3455	176	10	57	57	NUM
fsr-3455	176	11	%	%	NOUN
fsr-3455	176	12	)	)	PUNCT
fsr-3455	176	13	than	than	ADP
fsr-3455	176	14	non	non	ADJ
fsr-3455	176	15	-	-	ADJ
fsr-3455	176	16	african	african	ADJ
fsr-3455	176	17	american	american	ADJ
fsr-3455	176	18	students	student	NOUN
fsr-3455	176	19	(	(	PUNCT
fsr-3455	176	20	43	43	NUM
fsr-3455	176	21	%	%	NOUN
fsr-3455	176	22	)	)	PUNCT
fsr-3455	176	23	are	be	AUX
fsr-3455	176	24	the	the	DET
fsr-3455	176	25	first	first	ADJ
fsr-3455	176	26	generation	generation	NOUN
fsr-3455	176	27	attending	attend	VERB
fsr-3455	176	28	college	college	NOUN
fsr-3455	176	29	.	.	PUNCT
fsr-3455	177	1	financial	financial	ADJ
fsr-3455	177	2	education	education	NOUN
fsr-3455	177	3	experience	experience	NOUN
fsr-3455	177	4	of	of	ADP
fsr-3455	177	5	african	african	ADJ
fsr-3455	177	6	american	american	ADJ
fsr-3455	177	7	students	student	NOUN
fsr-3455	177	8	and	and	CCONJ
fsr-3455	177	9	non	non	ADJ
fsr-3455	177	10	-	-	ADJ
fsr-3455	177	11	african	african	ADJ
fsr-3455	177	12	american	american	PROPN
fsr-3455	177	13	is	be	AUX
fsr-3455	177	14	49	49	NUM
fsr-3455	177	15	%	%	NOUN
fsr-3455	177	16	and	and	CCONJ
fsr-3455	177	17	42	42	NUM
fsr-3455	177	18	%	%	NOUN
fsr-3455	177	19	,	,	PUNCT
fsr-3455	177	20	respectively	respectively	ADV
fsr-3455	177	21	.	.	PUNCT
fsr-3455	178	1	regarding	regard	VERB
fsr-3455	178	2	objective	objective	ADJ
fsr-3455	178	3	k.	k.	PROPN
fsr-3455	178	4	white	white	PROPN
fsr-3455	178	5	et	et	PROPN
fsr-3455	178	6	al	al	PROPN
fsr-3455	178	7	.	.	PUNCT
fsr-3455	178	8	/	/	SYM
fsr-3455	178	9	financial	financial	ADJ
fsr-3455	178	10	services	service	NOUN
fsr-3455	178	11	review	review	VERB
fsr-3455	178	12	29	29	NUM
fsr-3455	178	13	(	(	PUNCT
fsr-3455	178	14	2021	2021	NUM
fsr-3455	178	15	)	)	PUNCT
fsr-3455	178	16	169–185	169–185	NUM
fsr-3455	178	17	177	177	NUM
fsr-3455	178	18	financial	financial	ADJ
fsr-3455	178	19	knowledge	knowledge	NOUN
fsr-3455	178	20	,	,	PUNCT
fsr-3455	178	21	the	the	DET
fsr-3455	178	22	percentage	percentage	NOUN
fsr-3455	178	23	of	of	ADP
fsr-3455	178	24	correct	correct	ADJ
fsr-3455	178	25	answers	answer	NOUN
fsr-3455	178	26	for	for	ADP
fsr-3455	178	27	each	each	DET
fsr-3455	178	28	question	question	NOUN
fsr-3455	178	29	is	be	AUX
fsr-3455	178	30	higher	high	ADJ
fsr-3455	178	31	in	in	ADP
fsr-3455	178	32	non	non	ADJ
fsr-3455	178	33	-	-	ADJ
fsr-3455	178	34	african	african	ADJ
fsr-3455	178	35	american	american	ADJ
fsr-3455	178	36	students	student	NOUN
fsr-3455	178	37	.	.	PUNCT
fsr-3455	179	1	with	with	ADP
fsr-3455	179	2	regards	regard	NOUN
fsr-3455	179	3	to	to	ADP
fsr-3455	179	4	financial	financial	ADJ
fsr-3455	179	5	management	management	NOUN
fsr-3455	179	6	,	,	PUNCT
fsr-3455	179	7	the	the	DET
fsr-3455	179	8	occurrence	occurrence	NOUN
fsr-3455	179	9	of	of	ADP
fsr-3455	179	10	three	three	NUM
fsr-3455	179	11	management	management	NOUN
fsr-3455	179	12	behaviors	behavior	NOUN
fsr-3455	179	13	(	(	PUNCT
fsr-3455	179	14	i.e.	i.e.	X
fsr-3455	179	15	,	,	PUNCT
fsr-3455	179	16	have	have	VERB
fsr-3455	179	17	budget	budget	NOUN
fsr-3455	179	18	,	,	PUNCT
fsr-3455	179	19	track	track	NOUN
fsr-3455	179	20	spending	spending	NOUN
fsr-3455	179	21	,	,	PUNCT
fsr-3455	179	22	or	or	CCONJ
fsr-3455	179	23	track	track	VERB
fsr-3455	179	24	account	account	NOUN
fsr-3455	179	25	balance	balance	NOUN
fsr-3455	179	26	)	)	PUNCT
fsr-3455	179	27	are	be	AUX
fsr-3455	179	28	similar	similar	ADJ
fsr-3455	179	29	between	between	ADP
fsr-3455	179	30	african	african	ADJ
fsr-3455	179	31	american	american	ADJ
fsr-3455	179	32	students	student	NOUN
fsr-3455	179	33	and	and	CCONJ
fsr-3455	179	34	non	non	ADJ
fsr-3455	179	35	-	-	ADJ
fsr-3455	179	36	african	african	ADJ
fsr-3455	179	37	american	american	ADJ
fsr-3455	179	38	students	student	NOUN
fsr-3455	179	39	.	.	PUNCT
fsr-3455	180	1	overall	overall	ADJ
fsr-3455	180	2	,	,	PUNCT
fsr-3455	180	3	financial	financial	ADJ
fsr-3455	180	4	self	self	NOUN
fsr-3455	180	5	-	-	PUNCT
fsr-3455	180	6	efficacy	efficacy	NOUN
fsr-3455	180	7	is	be	AUX
fsr-3455	180	8	slightly	slightly	ADV
fsr-3455	180	9	higher	high	ADJ
fsr-3455	180	10	for	for	ADP
fsr-3455	180	11	non	non	ADJ
fsr-3455	180	12	-	-	ADJ
fsr-3455	180	13	african	african	ADJ
fsr-3455	180	14	american	american	ADJ
fsr-3455	180	15	students	student	NOUN
fsr-3455	180	16	.	.	PUNCT
fsr-3455	181	1	4.2	4.2	NUM
fsr-3455	181	2	.	.	PUNCT
fsr-3455	182	1	structural	structural	ADJ
fsr-3455	182	2	equation	equation	NOUN
fsr-3455	182	3	modeling	modeling	NOUN
fsr-3455	182	4	results	result	NOUN
fsr-3455	182	5	figs	fig	NOUN
fsr-3455	182	6	.	.	PUNCT
fsr-3455	183	1	3	3	NUM
fsr-3455	183	2	and	and	CCONJ
fsr-3455	183	3	4	4	NUM
fsr-3455	183	4	are	be	AUX
fsr-3455	183	5	the	the	DET
fsr-3455	183	6	results	result	NOUN
fsr-3455	183	7	of	of	ADP
fsr-3455	183	8	structural	structural	ADJ
fsr-3455	183	9	equation	equation	NOUN
fsr-3455	183	10	modeling	modeling	NOUN
fsr-3455	183	11	.	.	PUNCT
fsr-3455	184	1	latent	latent	NOUN
fsr-3455	184	2	variables	variable	NOUN
fsr-3455	184	3	are	be	AUX
fsr-3455	184	4	graphically	graphically	ADV
fsr-3455	184	5	expressed	express	VERB
fsr-3455	184	6	by	by	ADP
fsr-3455	184	7	ovals	oval	NOUN
fsr-3455	184	8	and	and	CCONJ
fsr-3455	184	9	observed	observed	ADJ
fsr-3455	184	10	variables	variable	NOUN
fsr-3455	184	11	are	be	AUX
fsr-3455	184	12	visually	visually	ADV
fsr-3455	184	13	represented	represent	VERB
fsr-3455	184	14	by	by	ADP
fsr-3455	184	15	rectangles	rectangle	NOUN
fsr-3455	184	16	.	.	PUNCT
fsr-3455	185	1	the	the	DET
fsr-3455	185	2	set	set	NOUN
fsr-3455	185	3	of	of	ADP
fsr-3455	185	4	covariates	covariate	NOUN
fsr-3455	185	5	(	(	PUNCT
fsr-3455	185	6	e.g.	e.g.	ADV
fsr-3455	185	7	,	,	PUNCT
fsr-3455	185	8	age	age	NOUN
fsr-3455	185	9	,	,	PUNCT
fsr-3455	185	10	gender	gender	NOUN
fsr-3455	185	11	,	,	PUNCT
fsr-3455	185	12	employment	employment	NOUN
fsr-3455	185	13	,	,	PUNCT
fsr-3455	185	14	annual	annual	ADJ
fsr-3455	185	15	income	income	NOUN
fsr-3455	185	16	,	,	PUNCT
fsr-3455	185	17	marital	marital	ADJ
fsr-3455	185	18	status	status	NOUN
fsr-3455	185	19	,	,	PUNCT
fsr-3455	185	20	having	have	VERB
fsr-3455	185	21	child	child	NOUN
fsr-3455	185	22	table	table	NOUN
fsr-3455	185	23	1	1	NUM
fsr-3455	185	24	descriptive	descriptive	ADJ
fsr-3455	185	25	statistics	statistic	NOUN
fsr-3455	185	26	of	of	ADP
fsr-3455	185	27	respondents	respondent	NOUN
fsr-3455	185	28	(	(	PUNCT
fsr-3455	185	29	n	n	NOUN
fsr-3455	185	30	=	=	SYM
fsr-3455	185	31	860	860	NUM
fsr-3455	185	32	)	)	PUNCT
fsr-3455	185	33	african	african	ADJ
fsr-3455	185	34	american	american	PROPN
fsr-3455	185	35	(	(	PUNCT
fsr-3455	185	36	n	n	NOUN
fsr-3455	185	37	=	=	SYM
fsr-3455	185	38	394	394	NUM
fsr-3455	185	39	)	)	PUNCT
fsr-3455	185	40	non	non	ADJ
fsr-3455	185	41	-	-	ADJ
fsr-3455	185	42	african	african	ADJ
fsr-3455	185	43	american	american	PROPN
fsr-3455	185	44	(	(	PUNCT
fsr-3455	185	45	n	n	NOUN
fsr-3455	185	46	=	=	SYM
fsr-3455	185	47	466	466	NUM
fsr-3455	185	48	)	)	PUNCT
fsr-3455	185	49	variables	variable	NOUN
fsr-3455	185	50	%	%	INTJ
fsr-3455	185	51	mean	mean	VERB
fsr-3455	185	52	(	(	PUNCT
fsr-3455	185	53	se	se	X
fsr-3455	185	54	)	)	PUNCT
fsr-3455	185	55	%	%	NOUN
fsr-3455	186	1	mean	mean	NOUN
fsr-3455	186	2	(	(	PUNCT
fsr-3455	186	3	se	se	ADJ
fsr-3455	186	4	)	)	PUNCT
fsr-3455	186	5	age	age	NOUN
fsr-3455	186	6	27.02	27.02	NUM
fsr-3455	186	7	(	(	PUNCT
fsr-3455	186	8	10.89	10.89	NUM
fsr-3455	186	9	)	)	PUNCT
fsr-3455	186	10	23.68	23.68	NUM
fsr-3455	187	1	(	(	PUNCT
fsr-3455	187	2	7.03	7.03	NUM
fsr-3455	187	3	)	)	PUNCT
fsr-3455	187	4	gender	gender	NOUN
fsr-3455	187	5	male	male	NOUN
fsr-3455	187	6	26.40	26.40	NUM
fsr-3455	187	7	27.90	27.90	NUM
fsr-3455	187	8	female	female	ADJ
fsr-3455	187	9	73.60	73.60	NUM
fsr-3455	187	10	72.10	72.10	NUM
fsr-3455	187	11	employment	employment	NOUN
fsr-3455	187	12	status	status	NOUN
fsr-3455	187	13	employed	employ	VERB
fsr-3455	187	14	72.59	72.59	NUM
fsr-3455	187	15	69.31	69.31	NUM
fsr-3455	187	16	not	not	PART
fsr-3455	187	17	employed	employ	VERB
fsr-3455	187	18	27.41	27.41	NUM
fsr-3455	187	19	30.69	30.69	NUM
fsr-3455	187	20	annual	annual	ADJ
fsr-3455	187	21	income	income	NOUN
fsr-3455	187	22	median	median	NOUN
fsr-3455	187	23	or	or	CCONJ
fsr-3455	187	24	less	less	ADJ
fsr-3455	187	25	52.03	52.03	NUM
fsr-3455	187	26	61.59	61.59	NUM
fsr-3455	187	27	above	above	ADP
fsr-3455	187	28	median	median	PROPN
fsr-3455	187	29	47.97	47.97	NUM
fsr-3455	187	30	38.41	38.41	NUM
fsr-3455	187	31	marital	marital	ADJ
fsr-3455	187	32	status	status	NOUN
fsr-3455	187	33	having	have	VERB
fsr-3455	187	34	spouse	spouse	NOUN
fsr-3455	187	35	/	/	SYM
fsr-3455	187	36	partner	partner	NOUN
fsr-3455	187	37	12.94	12.94	NUM
fsr-3455	187	38	11.80	11.80	NUM
fsr-3455	187	39	no	no	DET
fsr-3455	187	40	spouse	spouse	NOUN
fsr-3455	187	41	/	/	SYM
fsr-3455	187	42	partner	partner	NOUN
fsr-3455	187	43	87.06	87.06	NUM
fsr-3455	187	44	88.20	88.20	NUM
fsr-3455	187	45	having	have	VERB
fsr-3455	187	46	child(ren	child(ren	PROPN
fsr-3455	187	47	)	)	PUNCT
fsr-3455	188	1	yes	yes	ADV
fsr-3455	188	2	26.90	26.90	NUM
fsr-3455	188	3	13.95	13.95	NUM
fsr-3455	188	4	no	no	DET
fsr-3455	188	5	73.10	73.10	NUM
fsr-3455	188	6	86.05	86.05	NUM
fsr-3455	188	7	first	first	ADJ
fsr-3455	188	8	generation	generation	NOUN
fsr-3455	188	9	yes	yes	ADV
fsr-3455	188	10	57.36	57.36	NUM
fsr-3455	188	11	43.13	43.13	NUM
fsr-3455	188	12	no	no	DET
fsr-3455	188	13	42.64	42.64	NUM
fsr-3455	188	14	56.87	56.87	NUM
fsr-3455	188	15	financial	financial	ADJ
fsr-3455	188	16	education	education	NOUN
fsr-3455	188	17	yes	yes	INTJ
fsr-3455	188	18	48.73	48.73	NUM
fsr-3455	188	19	42.27	42.27	NUM
fsr-3455	188	20	no	no	PRON
fsr-3455	188	21	51.27	51.27	NUM
fsr-3455	188	22	57.73	57.73	NUM
fsr-3455	188	23	objective	objective	ADJ
fsr-3455	188	24	financial	financial	ADJ
fsr-3455	188	25	knowledge	knowledge	NOUN
fsr-3455	188	26	financial	financial	ADJ
fsr-3455	188	27	knowledge1	knowledge1	PROPN
fsr-3455	188	28	(	(	PUNCT
fsr-3455	188	29	correct	correct	ADJ
fsr-3455	188	30	)	)	PUNCT
fsr-3455	188	31	48.22	48.22	NUM
fsr-3455	188	32	61.59	61.59	NUM
fsr-3455	188	33	financial	financial	ADJ
fsr-3455	188	34	knowledge2	knowledge2	NOUN
fsr-3455	188	35	(	(	PUNCT
fsr-3455	188	36	correct	correct	ADJ
fsr-3455	188	37	)	)	PUNCT
fsr-3455	188	38	73.10	73.10	NUM
fsr-3455	188	39	78.76	78.76	NUM
fsr-3455	188	40	financial	financial	ADJ
fsr-3455	188	41	knowledge3	knowledge3	NOUN
fsr-3455	188	42	(	(	PUNCT
fsr-3455	188	43	correct	correct	ADJ
fsr-3455	188	44	)	)	PUNCT
fsr-3455	188	45	72.59	72.59	NUM
fsr-3455	188	46	82.62	82.62	NUM
fsr-3455	188	47	financial	financial	ADJ
fsr-3455	188	48	management	management	NOUN
fsr-3455	188	49	budgeting	budget	VERB
fsr-3455	188	50	2.68	2.68	NUM
fsr-3455	188	51	(	(	PUNCT
fsr-3455	188	52	0.94	0.94	NUM
fsr-3455	188	53	)	)	PUNCT
fsr-3455	188	54	2.58	2.58	NUM
fsr-3455	188	55	(	(	PUNCT
fsr-3455	188	56	0.97	0.97	NUM
fsr-3455	188	57	)	)	PUNCT
fsr-3455	188	58	tracking	tracking	NOUN
fsr-3455	188	59	spending	spend	VERB
fsr-3455	188	60	2.93	2.93	NUM
fsr-3455	188	61	(	(	PUNCT
fsr-3455	188	62	0.88	0.88	NUM
fsr-3455	188	63	)	)	PUNCT
fsr-3455	188	64	2.94	2.94	NUM
fsr-3455	188	65	(	(	PUNCT
fsr-3455	188	66	0.94	0.94	NUM
fsr-3455	188	67	)	)	PUNCT
fsr-3455	188	68	tracking	tracking	NOUN
fsr-3455	188	69	transactions	transaction	NOUN
fsr-3455	188	70	3.15	3.15	NUM
fsr-3455	188	71	(	(	PUNCT
fsr-3455	188	72	0.91	0.91	NUM
fsr-3455	188	73	)	)	PUNCT
fsr-3455	188	74	3.09	3.09	NUM
fsr-3455	188	75	(	(	PUNCT
fsr-3455	188	76	1.05	1.05	NUM
fsr-3455	188	77	)	)	PUNCT
fsr-3455	188	78	financial	financial	ADJ
fsr-3455	188	79	self	self	NOUN
fsr-3455	188	80	-	-	PUNCT
fsr-3455	188	81	efficacy	efficacy	NOUN
fsr-3455	188	82	confidence	confidence	NOUN
fsr-3455	188	83	in	in	ADP
fsr-3455	188	84	finances	finance	NOUN
fsr-3455	188	85	3.08	3.08	NUM
fsr-3455	188	86	(	(	PUNCT
fsr-3455	188	87	0.75	0.75	NUM
fsr-3455	188	88	)	)	PUNCT
fsr-3455	188	89	3.09	3.09	NUM
fsr-3455	188	90	(	(	PUNCT
fsr-3455	188	91	0.67	0.67	NUM
fsr-3455	188	92	)	)	PUNCT
fsr-3455	188	93	confidence	confidence	NOUN
fsr-3455	188	94	in	in	ADP
fsr-3455	188	95	money	money	NOUN
fsr-3455	188	96	management	management	NOUN
fsr-3455	188	97	2.91	2.91	NUM
fsr-3455	188	98	(	(	PUNCT
fsr-3455	188	99	0.72	0.72	NUM
fsr-3455	188	100	)	)	PUNCT
fsr-3455	188	101	3.04	3.04	NUM
fsr-3455	188	102	(	(	PUNCT
fsr-3455	188	103	0.66	0.66	NUM
fsr-3455	188	104	)	)	PUNCT
fsr-3455	188	105	178	178	NUM
fsr-3455	188	106	k.	k.	PROPN
fsr-3455	188	107	white	white	PROPN
fsr-3455	188	108	et	et	PROPN
fsr-3455	188	109	al	al	PROPN
fsr-3455	188	110	.	.	PUNCT
fsr-3455	188	111	/	/	SYM
fsr-3455	188	112	financial	financial	ADJ
fsr-3455	188	113	services	service	NOUN
fsr-3455	188	114	review	review	VERB
fsr-3455	188	115	29	29	NUM
fsr-3455	188	116	(	(	PUNCT
fsr-3455	188	117	2021	2021	NUM
fsr-3455	188	118	)	)	PUNCT
fsr-3455	189	1	169–185	169–185	NUM
fsr-3455	189	2	(	(	PUNCT
fsr-3455	189	3	ren	ren	PROPN
fsr-3455	189	4	)	)	PUNCT
fsr-3455	189	5	,	,	PUNCT
fsr-3455	189	6	first	first	ADJ
fsr-3455	189	7	generation	generation	NOUN
fsr-3455	189	8	status	status	NOUN
fsr-3455	189	9	,	,	PUNCT
fsr-3455	189	10	or	or	CCONJ
fsr-3455	189	11	financial	financial	ADJ
fsr-3455	189	12	education	education	NOUN
fsr-3455	189	13	)	)	PUNCT
fsr-3455	189	14	are	be	AUX
fsr-3455	189	15	included	include	VERB
fsr-3455	189	16	in	in	ADP
fsr-3455	189	17	the	the	DET
fsr-3455	189	18	pathways	pathway	NOUN
fsr-3455	189	19	to	to	PART
fsr-3455	189	20	control	control	VERB
fsr-3455	189	21	for	for	ADP
fsr-3455	189	22	the	the	DET
fsr-3455	189	23	background	background	NOUN
fsr-3455	189	24	characteristics	characteristic	NOUN
fsr-3455	189	25	.	.	PUNCT
fsr-3455	190	1	in	in	ADP
fsr-3455	190	2	sem	sem	PROPN
fsr-3455	190	3	,	,	PUNCT
fsr-3455	190	4	the	the	DET
fsr-3455	190	5	goodness	goodness	NOUN
fsr-3455	190	6	of	of	ADP
fsr-3455	190	7	the	the	DET
fsr-3455	190	8	model	model	NOUN
fsr-3455	190	9	is	be	AUX
fsr-3455	190	10	evaluated	evaluate	VERB
fsr-3455	190	11	by	by	ADP
fsr-3455	190	12	several	several	ADJ
fsr-3455	190	13	fit	fit	ADJ
fsr-3455	190	14	indices	index	NOUN
fsr-3455	190	15	,	,	PUNCT
fsr-3455	190	16	including	include	VERB
fsr-3455	190	17	the	the	DET
fsr-3455	190	18	x2	x2	PROPN
fsr-3455	190	19	statistic	statistic	NOUN
fsr-3455	190	20	,	,	PUNCT
fsr-3455	190	21	the	the	DET
fsr-3455	190	22	root	root	NOUN
fsr-3455	190	23	mean	mean	VERB
fsr-3455	190	24	square	square	ADJ
fsr-3455	190	25	error	error	NOUN
fsr-3455	190	26	of	of	ADP
fsr-3455	190	27	approximation	approximation	NOUN
fsr-3455	190	28	(	(	PUNCT
fsr-3455	190	29	rmsea	rmsea	NOUN
fsr-3455	190	30	)	)	PUNCT
fsr-3455	190	31	,	,	PUNCT
fsr-3455	190	32	standardized	standardize	VERB
fsr-3455	190	33	root	root	NOUN
fsr-3455	190	34	mean	mean	NOUN
fsr-3455	190	35	square	square	ADJ
fsr-3455	190	36	residual	residual	ADJ
fsr-3455	190	37	(	(	PUNCT
fsr-3455	190	38	srmr	srmr	PROPN
fsr-3455	190	39	)	)	PUNCT
fsr-3455	190	40	,	,	PUNCT
fsr-3455	190	41	and	and	CCONJ
fsr-3455	190	42	comparative	comparative	ADJ
fsr-3455	190	43	fit	fit	ADJ
fsr-3455	190	44	index	index	NOUN
fsr-3455	190	45	(	(	PUNCT
fsr-3455	190	46	cfi	cfi	PROPN
fsr-3455	190	47	)	)	PUNCT
fsr-3455	190	48	.	.	PUNCT
fsr-3455	191	1	kline	kline	PROPN
fsr-3455	191	2	(	(	PUNCT
fsr-3455	191	3	2005	2005	NUM
fsr-3455	191	4	)	)	PUNCT
fsr-3455	191	5	recommended	recommend	VERB
fsr-3455	191	6	at	at	ADP
fsr-3455	191	7	least	least	ADJ
fsr-3455	191	8	these	these	DET
fsr-3455	191	9	four	four	NUM
fsr-3455	191	10	indices	index	NOUN
fsr-3455	191	11	should	should	AUX
fsr-3455	191	12	be	be	AUX
fsr-3455	191	13	reported	report	VERB
fsr-3455	191	14	.	.	PUNCT
fsr-3455	192	1	the	the	DET
fsr-3455	192	2	model	model	NOUN
fsr-3455	192	3	x2	x2	PROPN
fsr-3455	192	4	test	test	NOUN
fsr-3455	192	5	should	should	AUX
fsr-3455	192	6	be	be	AUX
fsr-3455	192	7	statistically	statistically	ADV
fsr-3455	192	8	insignificant	insignificant	ADJ
fsr-3455	192	9	if	if	SCONJ
fsr-3455	192	10	the	the	DET
fsr-3455	192	11	model	model	NOUN
fsr-3455	192	12	fit	fit	NOUN
fsr-3455	192	13	is	be	AUX
fsr-3455	192	14	good	good	ADJ
fsr-3455	192	15	;	;	PUNCT
fsr-3455	192	16	however	however	ADV
fsr-3455	192	17	,	,	PUNCT
fsr-3455	192	18	this	this	DET
fsr-3455	192	19	rule	rule	NOUN
fsr-3455	192	20	does	do	AUX
fsr-3455	192	21	not	not	PART
fsr-3455	192	22	apply	apply	VERB
fsr-3455	192	23	to	to	ADP
fsr-3455	192	24	a	a	DET
fsr-3455	192	25	large	large	ADJ
fsr-3455	192	26	sample	sample	NOUN
fsr-3455	192	27	because	because	SCONJ
fsr-3455	192	28	the	the	DET
fsr-3455	192	29	x2	x2	PROPN
fsr-3455	192	30	statistic	statistic	NOUN
fsr-3455	192	31	is	be	AUX
fsr-3455	192	32	sensitive	sensitive	ADJ
fsr-3455	192	33	to	to	ADP
fsr-3455	192	34	sample	sample	NOUN
fsr-3455	192	35	size	size	NOUN
fsr-3455	192	36	(	(	PUNCT
fsr-3455	192	37	schermelleh	schermelleh	NOUN
fsr-3455	192	38	-	-	PUNCT
fsr-3455	192	39	engel	engel	PROPN
fsr-3455	192	40	,	,	PUNCT
fsr-3455	192	41	moosbrugger	moosbrugger	ADJ
fsr-3455	192	42	,	,	PUNCT
fsr-3455	192	43	&	&	CCONJ
fsr-3455	192	44	müller	müller	NOUN
fsr-3455	192	45	,	,	PUNCT
fsr-3455	192	46	2003	2003	NUM
fsr-3455	192	47	)	)	PUNCT
fsr-3455	192	48	.	.	PUNCT
fsr-3455	193	1	generally	generally	ADV
fsr-3455	193	2	,	,	PUNCT
fsr-3455	193	3	the	the	DET
fsr-3455	193	4	model	model	NOUN
fsr-3455	193	5	is	be	AUX
fsr-3455	193	6	considered	consider	VERB
fsr-3455	193	7	to	to	PART
fsr-3455	193	8	be	be	AUX
fsr-3455	193	9	good	good	ADJ
fsr-3455	193	10	if	if	SCONJ
fsr-3455	193	11	rmsea	rmsea	NOUN
fsr-3455	193	12	is	be	AUX
fsr-3455	193	13	lower	low	ADJ
fsr-3455	193	14	than	than	ADP
fsr-3455	193	15	0.06	0.06	NUM
fsr-3455	193	16	,	,	PUNCT
fsr-3455	193	17	srmr	srmr	PROPN
fsr-3455	193	18	is	be	AUX
fsr-3455	193	19	less	less	ADJ
fsr-3455	193	20	than	than	ADP
fsr-3455	193	21	0.08	0.08	NUM
fsr-3455	193	22	,	,	PUNCT
fsr-3455	193	23	and	and	CCONJ
fsr-3455	193	24	cfi	cfi	PROPN
fsr-3455	193	25	is	be	AUX
fsr-3455	193	26	higher	high	ADJ
fsr-3455	193	27	than	than	ADP
fsr-3455	193	28	0.90	0.90	NUM
fsr-3455	193	29	(	(	PUNCT
fsr-3455	193	30	hu	hu	PROPN
fsr-3455	193	31	&	&	CCONJ
fsr-3455	193	32	bentler	bentler	PROPN
fsr-3455	193	33	,	,	PUNCT
fsr-3455	193	34	1999	1999	NUM
fsr-3455	193	35	;	;	PUNCT
fsr-3455	193	36	loehlin	loehlin	PROPN
fsr-3455	193	37	,	,	PUNCT
fsr-3455	193	38	2004	2004	NUM
fsr-3455	193	39	)	)	PUNCT
fsr-3455	193	40	.	.	PUNCT
fsr-3455	194	1	the	the	DET
fsr-3455	194	2	tested	test	VERB
fsr-3455	194	3	model	model	NOUN
fsr-3455	194	4	statistics	statistic	NOUN
fsr-3455	194	5	are	be	AUX
fsr-3455	194	6	x2	x2	PROPN
fsr-3455	194	7	=	=	PUNCT
fsr-3455	194	8	250.38	250.38	NUM
fsr-3455	194	9	(	(	PUNCT
fsr-3455	194	10	df	df	NOUN
fsr-3455	194	11	=	=	SYM
fsr-3455	194	12	126	126	NUM
fsr-3455	194	13	,	,	PUNCT
fsr-3455	194	14	p	p	X
fsr-3455	194	15	<	<	X
fsr-3455	194	16	.001	.001	NUM
fsr-3455	194	17	)	)	PUNCT
fsr-3455	194	18	,	,	PUNCT
fsr-3455	194	19	rmsea	rmsea	NOUN
fsr-3455	194	20	=	=	SYM
fsr-3455	194	21	0.048	0.048	NUM
fsr-3455	194	22	,	,	PUNCT
fsr-3455	194	23	srmr	srmr	VERB
fsr-3455	194	24	=	=	NOUN
fsr-3455	194	25	0.038	0.038	NUM
fsr-3455	194	26	,	,	PUNCT
fsr-3455	194	27	cfi	cfi	PROPN
fsr-3455	194	28	=	=	PUNCT
fsr-3455	194	29	.920	.920	NUM
fsr-3455	194	30	.	.	PUNCT
fsr-3455	195	1	based	base	VERB
fsr-3455	195	2	on	on	ADP
fsr-3455	195	3	the	the	DET
fsr-3455	195	4	thresholds	threshold	NOUN
fsr-3455	195	5	of	of	ADP
fsr-3455	195	6	goodness	goodness	NOUN
fsr-3455	195	7	-	-	PUNCT
fsr-3455	195	8	of	of	ADP
fsr-3455	195	9	-	-	PUNCT
fsr-3455	195	10	fit	fit	ADJ
fsr-3455	195	11	indices	index	NOUN
fsr-3455	195	12	,	,	PUNCT
fsr-3455	195	13	the	the	DET
fsr-3455	195	14	model	model	NOUN
fsr-3455	195	15	shows	show	VERB
fsr-3455	195	16	a	a	DET
fsr-3455	195	17	good	good	ADJ
fsr-3455	195	18	fit	fit	NOUN
fsr-3455	195	19	.	.	PUNCT
fsr-3455	196	1	fig	fig	NOUN
fsr-3455	196	2	.	.	PUNCT
fsr-3455	197	1	3	3	NUM
fsr-3455	197	2	shows	show	VERB
fsr-3455	197	3	the	the	DET
fsr-3455	197	4	results	result	NOUN
fsr-3455	197	5	for	for	ADP
fsr-3455	197	6	the	the	DET
fsr-3455	197	7	african	african	ADJ
fsr-3455	197	8	american	american	ADJ
fsr-3455	197	9	students	student	NOUN
fsr-3455	197	10	.	.	PUNCT
fsr-3455	198	1	when	when	SCONJ
fsr-3455	198	2	evaluating	evaluate	VERB
fsr-3455	198	3	construct	construct	NOUN
fsr-3455	198	4	validity	validity	NOUN
fsr-3455	198	5	,	,	PUNCT
fsr-3455	198	6	all	all	DET
fsr-3455	198	7	indicators	indicator	NOUN
fsr-3455	198	8	are	be	AUX
fsr-3455	198	9	significantly	significantly	ADV
fsr-3455	198	10	loaded	load	VERB
fsr-3455	198	11	on	on	ADP
fsr-3455	198	12	each	each	DET
fsr-3455	198	13	corresponding	corresponding	ADJ
fsr-3455	198	14	latent	latent	NOUN
fsr-3455	198	15	factor	factor	NOUN
fsr-3455	198	16	.	.	PUNCT
fsr-3455	199	1	it	it	PRON
fsr-3455	199	2	means	mean	VERB
fsr-3455	199	3	the	the	DET
fsr-3455	199	4	three	three	NUM
fsr-3455	199	5	latent	latent	ADJ
fsr-3455	199	6	variables	variable	NOUN
fsr-3455	199	7	(	(	PUNCT
fsr-3455	199	8	objective	objective	ADJ
fsr-3455	199	9	financial	financial	ADJ
fsr-3455	199	10	knowledge	knowledge	NOUN
fsr-3455	199	11	,	,	PUNCT
fsr-3455	199	12	financial	financial	ADJ
fsr-3455	199	13	management	management	NOUN
fsr-3455	199	14	,	,	PUNCT
fsr-3455	199	15	and	and	CCONJ
fsr-3455	199	16	financial	financial	ADJ
fsr-3455	199	17	self	self	NOUN
fsr-3455	199	18	-	-	PUNCT
fsr-3455	199	19	efficacy	efficacy	NOUN
fsr-3455	199	20	)	)	PUNCT
fsr-3455	199	21	are	be	AUX
fsr-3455	199	22	properly	properly	ADV
fsr-3455	199	23	represented	represent	VERB
fsr-3455	199	24	by	by	ADP
fsr-3455	199	25	its	its	PRON
fsr-3455	199	26	observed	observed	ADJ
fsr-3455	199	27	variables	variable	NOUN
fsr-3455	199	28	.	.	PUNCT
fsr-3455	200	1	the	the	DET
fsr-3455	200	2	fig	fig	NOUN
fsr-3455	200	3	.	.	PUNCT
fsr-3455	201	1	3	3	X
fsr-3455	201	2	.	.	X
fsr-3455	201	3	results	result	NOUN
fsr-3455	201	4	from	from	ADP
fsr-3455	201	5	the	the	DET
fsr-3455	201	6	structural	structural	ADJ
fsr-3455	201	7	equation	equation	NOUN
fsr-3455	201	8	modeling	modeling	NOUN
fsr-3455	201	9	of	of	ADP
fsr-3455	201	10	african	african	ADJ
fsr-3455	201	11	american	american	PROPN
fsr-3455	201	12	college	college	PROPN
fsr-3455	201	13	students	student	NOUN
fsr-3455	201	14	with	with	ADP
fsr-3455	201	15	standardized	standardized	ADJ
fsr-3455	201	16	coefficients	coefficient	NOUN
fsr-3455	201	17	.	.	PUNCT
fsr-3455	202	1	note	note	NOUN
fsr-3455	202	2	.	.	PUNCT
fsr-3455	203	1	control	control	NOUN
fsr-3455	203	2	variables	variable	NOUN
fsr-3455	203	3	are	be	AUX
fsr-3455	203	4	age	age	NOUN
fsr-3455	203	5	,	,	PUNCT
fsr-3455	203	6	gender	gender	NOUN
fsr-3455	203	7	,	,	PUNCT
fsr-3455	203	8	employment	employment	NOUN
fsr-3455	203	9	,	,	PUNCT
fsr-3455	203	10	annual	annual	ADJ
fsr-3455	203	11	income	income	NOUN
fsr-3455	203	12	,	,	PUNCT
fsr-3455	203	13	marital	marital	ADJ
fsr-3455	203	14	status	status	NOUN
fsr-3455	203	15	having	have	VERB
fsr-3455	203	16	child(ren	child(ren	PROPN
fsr-3455	203	17	)	)	PUNCT
fsr-3455	203	18	,	,	PUNCT
fsr-3455	203	19	first	first	ADJ
fsr-3455	203	20	generation	generation	NOUN
fsr-3455	203	21	,	,	PUNCT
fsr-3455	203	22	financial	financial	ADJ
fsr-3455	203	23	education	education	NOUN
fsr-3455	203	24	.	.	PUNCT
fsr-3455	204	1	*	*	PUNCT
fsr-3455	204	2	p	p	X
fsr-3455	204	3	<	<	X
fsr-3455	204	4	.05	.05	NUM
fsr-3455	204	5	,	,	PUNCT
fsr-3455	204	6	*	*	PUNCT
fsr-3455	204	7	*	*	PUNCT
fsr-3455	204	8	p	p	X
fsr-3455	204	9	<	<	X
fsr-3455	204	10	.01	.01	NUM
fsr-3455	204	11	,	,	PUNCT
fsr-3455	204	12	*	*	PUNCT
fsr-3455	204	13	*	*	PUNCT
fsr-3455	204	14	*	*	PUNCT
fsr-3455	204	15	p	p	X
fsr-3455	204	16	<	<	X
fsr-3455	204	17	.001	.001	NUM
fsr-3455	204	18	.	.	PUNCT
fsr-3455	205	1	fig	fig	NOUN
fsr-3455	205	2	.	.	PUNCT
fsr-3455	206	1	4	4	X
fsr-3455	206	2	.	.	X
fsr-3455	206	3	results	result	NOUN
fsr-3455	206	4	from	from	ADP
fsr-3455	206	5	the	the	DET
fsr-3455	206	6	structural	structural	ADJ
fsr-3455	206	7	equation	equation	NOUN
fsr-3455	206	8	modeling	modeling	NOUN
fsr-3455	206	9	of	of	ADP
fsr-3455	206	10	non	non	ADJ
fsr-3455	206	11	-	-	ADJ
fsr-3455	206	12	african	african	ADJ
fsr-3455	206	13	american	american	PROPN
fsr-3455	206	14	college	college	PROPN
fsr-3455	206	15	students	student	NOUN
fsr-3455	206	16	with	with	ADP
fsr-3455	206	17	standardized	standardized	ADJ
fsr-3455	206	18	coefficients	coefficient	NOUN
fsr-3455	206	19	.	.	PUNCT
fsr-3455	207	1	note	note	NOUN
fsr-3455	207	2	.	.	PUNCT
fsr-3455	208	1	control	control	NOUN
fsr-3455	208	2	variables	variable	NOUN
fsr-3455	208	3	are	be	AUX
fsr-3455	208	4	age	age	NOUN
fsr-3455	208	5	,	,	PUNCT
fsr-3455	208	6	gender	gender	NOUN
fsr-3455	208	7	,	,	PUNCT
fsr-3455	208	8	employment	employment	NOUN
fsr-3455	208	9	,	,	PUNCT
fsr-3455	208	10	annual	annual	ADJ
fsr-3455	208	11	income	income	NOUN
fsr-3455	208	12	,	,	PUNCT
fsr-3455	208	13	marital	marital	ADJ
fsr-3455	208	14	status	status	NOUN
fsr-3455	208	15	having	have	VERB
fsr-3455	208	16	child(ren	child(ren	PROPN
fsr-3455	208	17	)	)	PUNCT
fsr-3455	208	18	,	,	PUNCT
fsr-3455	208	19	first	first	ADJ
fsr-3455	208	20	generation	generation	NOUN
fsr-3455	208	21	,	,	PUNCT
fsr-3455	208	22	financial	financial	ADJ
fsr-3455	208	23	education	education	NOUN
fsr-3455	208	24	.	.	PUNCT
fsr-3455	209	1	*	*	PUNCT
fsr-3455	209	2	p	p	X
fsr-3455	209	3	<	<	X
fsr-3455	209	4	.05	.05	NUM
fsr-3455	209	5	,	,	PUNCT
fsr-3455	209	6	*	*	PUNCT
fsr-3455	209	7	*	*	PUNCT
fsr-3455	209	8	p	p	X
fsr-3455	209	9	<	<	X
fsr-3455	209	10	.01	.01	NUM
fsr-3455	209	11	,	,	PUNCT
fsr-3455	209	12	*	*	PUNCT
fsr-3455	209	13	*	*	PUNCT
fsr-3455	209	14	*	*	PUNCT
fsr-3455	209	15	p	p	X
fsr-3455	209	16	<	<	X
fsr-3455	209	17	.001	.001	NUM
fsr-3455	209	18	.	.	PUNCT
fsr-3455	210	1	k.	k.	PROPN
fsr-3455	210	2	white	white	PROPN
fsr-3455	210	3	et	et	PROPN
fsr-3455	210	4	al	al	PROPN
fsr-3455	210	5	.	.	PUNCT
fsr-3455	210	6	/	/	SYM
fsr-3455	210	7	financial	financial	ADJ
fsr-3455	210	8	services	service	NOUN
fsr-3455	210	9	review	review	VERB
fsr-3455	210	10	29	29	NUM
fsr-3455	210	11	(	(	PUNCT
fsr-3455	210	12	2021	2021	NUM
fsr-3455	210	13	)	)	PUNCT
fsr-3455	210	14	169–185	169–185	NUM
fsr-3455	210	15	179	179	NUM
fsr-3455	210	16	results	result	NOUN
fsr-3455	210	17	also	also	ADV
fsr-3455	210	18	demonstrate	demonstrate	VERB
fsr-3455	210	19	the	the	DET
fsr-3455	210	20	significance	significance	NOUN
fsr-3455	210	21	of	of	ADP
fsr-3455	210	22	the	the	DET
fsr-3455	210	23	hypothesized	hypothesized	ADJ
fsr-3455	210	24	relationship	relationship	NOUN
fsr-3455	210	25	among	among	ADP
fsr-3455	210	26	the	the	DET
fsr-3455	210	27	latent	latent	NOUN
fsr-3455	210	28	constructs	construct	NOUN
fsr-3455	210	29	.	.	PUNCT
fsr-3455	211	1	first	first	ADV
fsr-3455	211	2	,	,	PUNCT
fsr-3455	211	3	the	the	DET
fsr-3455	211	4	effect	effect	NOUN
fsr-3455	211	5	of	of	ADP
fsr-3455	211	6	objective	objective	ADJ
fsr-3455	211	7	financial	financial	ADJ
fsr-3455	211	8	knowledge	knowledge	NOUN
fsr-3455	211	9	on	on	ADP
fsr-3455	211	10	financial	financial	ADJ
fsr-3455	211	11	management	management	NOUN
fsr-3455	211	12	is	be	AUX
fsr-3455	211	13	not	not	PART
fsr-3455	211	14	significant	significant	ADJ
fsr-3455	211	15	(	(	PUNCT
fsr-3455	211	16	b	b	NOUN
fsr-3455	211	17	=	=	SYM
fsr-3455	211	18	0.042	0.042	NUM
fsr-3455	211	19	,	,	PUNCT
fsr-3455	211	20	p	p	NOUN
fsr-3455	211	21	=	=	NOUN
fsr-3455	211	22	.636	.636	NUM
fsr-3455	211	23	)	)	PUNCT
fsr-3455	211	24	.	.	PUNCT
fsr-3455	212	1	this	this	PRON
fsr-3455	212	2	indicates	indicate	VERB
fsr-3455	212	3	,	,	PUNCT
fsr-3455	212	4	for	for	ADP
fsr-3455	212	5	african	african	ADJ
fsr-3455	212	6	american	american	ADJ
fsr-3455	212	7	students	student	NOUN
fsr-3455	212	8	,	,	PUNCT
fsr-3455	212	9	objective	objective	ADJ
fsr-3455	212	10	financial	financial	ADJ
fsr-3455	212	11	knowledge	knowledge	NOUN
fsr-3455	212	12	contributes	contribute	VERB
fsr-3455	212	13	little	little	ADJ
fsr-3455	212	14	in	in	ADP
fsr-3455	212	15	forming	form	VERB
fsr-3455	212	16	positive	positive	ADJ
fsr-3455	212	17	financial	financial	ADJ
fsr-3455	212	18	management	management	NOUN
fsr-3455	212	19	.	.	PUNCT
fsr-3455	213	1	second	second	ADJ
fsr-3455	213	2	,	,	PUNCT
fsr-3455	213	3	objective	objective	ADJ
fsr-3455	213	4	financial	financial	ADJ
fsr-3455	213	5	knowledge	knowledge	NOUN
fsr-3455	213	6	is	be	AUX
fsr-3455	213	7	also	also	ADV
fsr-3455	213	8	not	not	PART
fsr-3455	213	9	significantly	significantly	ADV
fsr-3455	213	10	linked	link	VERB
fsr-3455	213	11	to	to	ADP
fsr-3455	213	12	financial	financial	ADJ
fsr-3455	213	13	self	self	NOUN
fsr-3455	213	14	-	-	PUNCT
fsr-3455	213	15	efficacy	efficacy	NOUN
fsr-3455	213	16	(	(	PUNCT
fsr-3455	213	17	b	b	NOUN
fsr-3455	213	18	=	=	SYM
fsr-3455	213	19	0.152	0.152	NUM
fsr-3455	213	20	,	,	PUNCT
fsr-3455	213	21	p	p	X
fsr-3455	213	22	=	=	NOUN
fsr-3455	213	23	.069	.069	NUM
fsr-3455	213	24	)	)	PUNCT
fsr-3455	213	25	.	.	PUNCT
fsr-3455	214	1	this	this	PRON
fsr-3455	214	2	means	mean	VERB
fsr-3455	214	3	objective	objective	ADJ
fsr-3455	214	4	financial	financial	ADJ
fsr-3455	214	5	knowledge	knowledge	NOUN
fsr-3455	214	6	does	do	AUX
fsr-3455	214	7	not	not	PART
fsr-3455	214	8	suffice	suffice	VERB
fsr-3455	214	9	to	to	PART
fsr-3455	214	10	build	build	VERB
fsr-3455	214	11	financial	financial	ADJ
fsr-3455	214	12	self	self	NOUN
fsr-3455	214	13	-	-	PUNCT
fsr-3455	214	14	efficacy	efficacy	NOUN
fsr-3455	214	15	for	for	ADP
fsr-3455	214	16	african	african	ADJ
fsr-3455	214	17	american	american	ADJ
fsr-3455	214	18	students	student	NOUN
fsr-3455	214	19	.	.	PUNCT
fsr-3455	215	1	third	third	ADJ
fsr-3455	215	2	,	,	PUNCT
fsr-3455	215	3	financial	financial	ADJ
fsr-3455	215	4	management	management	NOUN
fsr-3455	215	5	is	be	AUX
fsr-3455	215	6	greatly	greatly	ADV
fsr-3455	215	7	and	and	CCONJ
fsr-3455	215	8	positively	positively	ADV
fsr-3455	215	9	associated	associate	VERB
fsr-3455	215	10	with	with	ADP
fsr-3455	215	11	financial	financial	ADJ
fsr-3455	215	12	self	self	NOUN
fsr-3455	215	13	-	-	PUNCT
fsr-3455	215	14	efficacy	efficacy	NOUN
fsr-3455	215	15	(	(	PUNCT
fsr-3455	215	16	b	b	NOUN
fsr-3455	215	17	=	=	SYM
fsr-3455	215	18	0.580	0.580	NUM
fsr-3455	215	19	,	,	PUNCT
fsr-3455	215	20	p	p	X
fsr-3455	215	21	<	<	X
fsr-3455	215	22	.001	.001	NUM
fsr-3455	215	23	)	)	PUNCT
fsr-3455	215	24	.	.	PUNCT
fsr-3455	216	1	in	in	ADP
fsr-3455	216	2	short	short	ADJ
fsr-3455	216	3	,	,	PUNCT
fsr-3455	216	4	only	only	ADV
fsr-3455	216	5	financial	financial	ADJ
fsr-3455	216	6	management	management	NOUN
fsr-3455	216	7	is	be	AUX
fsr-3455	216	8	effective	effective	ADJ
fsr-3455	216	9	to	to	PART
fsr-3455	216	10	establish	establish	VERB
fsr-3455	216	11	financial	financial	ADJ
fsr-3455	216	12	self	self	NOUN
fsr-3455	216	13	-	-	PUNCT
fsr-3455	216	14	efficacy	efficacy	NOUN
fsr-3455	216	15	for	for	ADP
fsr-3455	216	16	african	african	ADJ
fsr-3455	216	17	american	american	ADJ
fsr-3455	216	18	students	student	NOUN
fsr-3455	216	19	.	.	PUNCT
fsr-3455	217	1	fig	fig	NOUN
fsr-3455	217	2	.	.	PUNCT
fsr-3455	218	1	4	4	NUM
fsr-3455	218	2	shows	show	VERB
fsr-3455	218	3	the	the	DET
fsr-3455	218	4	results	result	NOUN
fsr-3455	218	5	for	for	ADP
fsr-3455	218	6	non	non	ADJ
fsr-3455	218	7	-	-	ADJ
fsr-3455	218	8	african	african	ADJ
fsr-3455	218	9	american	american	ADJ
fsr-3455	218	10	students	student	NOUN
fsr-3455	218	11	.	.	PUNCT
fsr-3455	219	1	all	all	DET
fsr-3455	219	2	factor	factor	NOUN
fsr-3455	219	3	loadings	loading	NOUN
fsr-3455	219	4	for	for	ADP
fsr-3455	219	5	latent	latent	NOUN
fsr-3455	219	6	constructs	construct	NOUN
fsr-3455	219	7	are	be	AUX
fsr-3455	219	8	fairly	fairly	ADV
fsr-3455	219	9	high	high	ADJ
fsr-3455	219	10	and	and	CCONJ
fsr-3455	219	11	significant	significant	ADJ
fsr-3455	219	12	at	at	ADP
fsr-3455	219	13	the	the	DET
fsr-3455	219	14	level	level	NOUN
fsr-3455	219	15	of	of	ADP
fsr-3455	219	16	.001	.001	NUM
fsr-3455	219	17	.	.	PUNCT
fsr-3455	220	1	the	the	DET
fsr-3455	220	2	associations	association	NOUN
fsr-3455	220	3	among	among	ADP
fsr-3455	220	4	the	the	DET
fsr-3455	220	5	latent	latent	NOUN
fsr-3455	220	6	variables	variable	NOUN
fsr-3455	220	7	are	be	AUX
fsr-3455	220	8	found	find	VERB
fsr-3455	220	9	to	to	PART
fsr-3455	220	10	be	be	AUX
fsr-3455	220	11	significant	significant	ADJ
fsr-3455	220	12	.	.	PUNCT
fsr-3455	221	1	first	first	ADV
fsr-3455	221	2	,	,	PUNCT
fsr-3455	221	3	objective	objective	ADJ
fsr-3455	221	4	financial	financial	ADJ
fsr-3455	221	5	knowledge	knowledge	NOUN
fsr-3455	221	6	is	be	AUX
fsr-3455	221	7	positively	positively	ADV
fsr-3455	221	8	associated	associate	VERB
fsr-3455	221	9	with	with	ADP
fsr-3455	221	10	financial	financial	ADJ
fsr-3455	221	11	management	management	NOUN
fsr-3455	221	12	(	(	PUNCT
fsr-3455	221	13	b	b	NOUN
fsr-3455	221	14	=	=	SYM
fsr-3455	221	15	0.158	0.158	NUM
fsr-3455	221	16	,	,	PUNCT
fsr-3455	221	17	p	p	X
fsr-3455	221	18	<	<	X
fsr-3455	221	19	.05	.05	NUM
fsr-3455	221	20	)	)	PUNCT
fsr-3455	221	21	and	and	CCONJ
fsr-3455	221	22	financial	financial	ADJ
fsr-3455	221	23	self	self	NOUN
fsr-3455	221	24	-	-	PUNCT
fsr-3455	221	25	efficacy	efficacy	NOUN
fsr-3455	221	26	(	(	PUNCT
fsr-3455	221	27	b	b	NOUN
fsr-3455	221	28	=	=	SYM
fsr-3455	221	29	0.153	0.153	NUM
fsr-3455	221	30	,	,	PUNCT
fsr-3455	221	31	p	p	X
fsr-3455	221	32	<	<	X
fsr-3455	221	33	.05	.05	NUM
fsr-3455	221	34	)	)	PUNCT
fsr-3455	221	35	.	.	PUNCT
fsr-3455	222	1	this	this	PRON
fsr-3455	222	2	indicates	indicate	VERB
fsr-3455	222	3	,	,	PUNCT
fsr-3455	222	4	for	for	ADP
fsr-3455	222	5	non	non	ADJ
fsr-3455	222	6	-	-	ADJ
fsr-3455	222	7	african	african	ADJ
fsr-3455	222	8	american	american	ADJ
fsr-3455	222	9	students	student	NOUN
fsr-3455	222	10	,	,	PUNCT
fsr-3455	222	11	higher	high	ADJ
fsr-3455	222	12	objective	objective	ADJ
fsr-3455	222	13	financial	financial	ADJ
fsr-3455	222	14	knowledge	knowledge	NOUN
fsr-3455	222	15	is	be	AUX
fsr-3455	222	16	linked	link	VERB
fsr-3455	222	17	to	to	ADP
fsr-3455	222	18	more	more	ADV
fsr-3455	222	19	positive	positive	ADJ
fsr-3455	222	20	financial	financial	ADJ
fsr-3455	222	21	management	management	NOUN
fsr-3455	222	22	behavior	behavior	NOUN
fsr-3455	222	23	and	and	CCONJ
fsr-3455	222	24	higher	high	ADJ
fsr-3455	222	25	financial	financial	ADJ
fsr-3455	222	26	self	self	NOUN
fsr-3455	222	27	-	-	PUNCT
fsr-3455	222	28	efficacy	efficacy	NOUN
fsr-3455	222	29	.	.	PUNCT
fsr-3455	223	1	second	second	ADJ
fsr-3455	223	2	,	,	PUNCT
fsr-3455	223	3	financial	financial	ADJ
fsr-3455	223	4	management	management	NOUN
fsr-3455	223	5	is	be	AUX
fsr-3455	223	6	positively	positively	ADV
fsr-3455	223	7	related	relate	VERB
fsr-3455	223	8	to	to	ADP
fsr-3455	223	9	financial	financial	ADJ
fsr-3455	223	10	selfefficacy	selfefficacy	NOUN
fsr-3455	223	11	(	(	PUNCT
fsr-3455	223	12	b	b	NOUN
fsr-3455	223	13	=	=	SYM
fsr-3455	223	14	0.326	0.326	NUM
fsr-3455	223	15	,	,	PUNCT
fsr-3455	223	16	p	p	X
fsr-3455	223	17	<	<	X
fsr-3455	223	18	.001	.001	NUM
fsr-3455	223	19	)	)	PUNCT
fsr-3455	223	20	.	.	PUNCT
fsr-3455	224	1	5	5	X
fsr-3455	224	2	.	.	X
fsr-3455	224	3	discussion	discussion	NOUN
fsr-3455	224	4	this	this	DET
fsr-3455	224	5	study	study	NOUN
fsr-3455	224	6	contributes	contribute	VERB
fsr-3455	224	7	to	to	ADP
fsr-3455	224	8	the	the	DET
fsr-3455	224	9	literature	literature	NOUN
fsr-3455	224	10	by	by	ADP
fsr-3455	224	11	examining	examine	VERB
fsr-3455	224	12	how	how	SCONJ
fsr-3455	224	13	objective	objective	ADJ
fsr-3455	224	14	financial	financial	ADJ
fsr-3455	224	15	knowledge	knowledge	NOUN
fsr-3455	224	16	,	,	PUNCT
fsr-3455	224	17	financial	financial	ADJ
fsr-3455	224	18	management	management	NOUN
fsr-3455	224	19	,	,	PUNCT
fsr-3455	224	20	and	and	CCONJ
fsr-3455	224	21	financial	financial	ADJ
fsr-3455	224	22	self	self	NOUN
fsr-3455	224	23	-	-	PUNCT
fsr-3455	224	24	efficacy	efficacy	NOUN
fsr-3455	224	25	are	be	AUX
fsr-3455	224	26	associated	associate	VERB
fsr-3455	224	27	with	with	ADP
fsr-3455	224	28	african	african	ADJ
fsr-3455	224	29	american	american	PROPN
fsr-3455	224	30	college	college	PROPN
fsr-3455	224	31	students	student	NOUN
fsr-3455	224	32	’	’	PART
fsr-3455	224	33	financial	financial	ADJ
fsr-3455	224	34	literacy	literacy	NOUN
fsr-3455	224	35	.	.	PUNCT
fsr-3455	225	1	the	the	DET
fsr-3455	225	2	summary	summary	NOUN
fsr-3455	225	3	of	of	ADP
fsr-3455	225	4	results	result	NOUN
fsr-3455	225	5	are	be	AUX
fsr-3455	225	6	found	find	VERB
fsr-3455	225	7	in	in	ADP
fsr-3455	225	8	table	table	NOUN
fsr-3455	225	9	2	2	NUM
fsr-3455	225	10	.	.	PUNCT
fsr-3455	225	11	results	result	NOUN
fsr-3455	225	12	show	show	VERB
fsr-3455	225	13	that	that	SCONJ
fsr-3455	225	14	objective	objective	ADJ
fsr-3455	225	15	financial	financial	ADJ
fsr-3455	225	16	knowledge	knowledge	NOUN
fsr-3455	225	17	is	be	AUX
fsr-3455	225	18	positively	positively	ADV
fsr-3455	225	19	associated	associate	VERB
fsr-3455	225	20	with	with	ADP
fsr-3455	225	21	financial	financial	ADJ
fsr-3455	225	22	self	self	NOUN
fsr-3455	225	23	-	-	PUNCT
fsr-3455	225	24	efficacy	efficacy	NOUN
fsr-3455	225	25	supporting	support	VERB
fsr-3455	225	26	hypothesis	hypothesis	NOUN
fsr-3455	225	27	1	1	NUM
fsr-3455	225	28	among	among	ADP
fsr-3455	225	29	the	the	DET
fsr-3455	225	30	non	non	ADJ
fsr-3455	225	31	-	-	ADJ
fsr-3455	225	32	african	african	ADJ
fsr-3455	225	33	american	american	ADJ
fsr-3455	225	34	sample	sample	NOUN
fsr-3455	225	35	.	.	PUNCT
fsr-3455	226	1	however	however	ADV
fsr-3455	226	2	,	,	PUNCT
fsr-3455	226	3	when	when	SCONJ
fsr-3455	226	4	examining	examine	VERB
fsr-3455	226	5	the	the	DET
fsr-3455	226	6	link	link	NOUN
fsr-3455	226	7	between	between	ADP
fsr-3455	226	8	objective	objective	ADJ
fsr-3455	226	9	financial	financial	ADJ
fsr-3455	226	10	knowledge	knowledge	NOUN
fsr-3455	226	11	and	and	CCONJ
fsr-3455	226	12	financial	financial	ADJ
fsr-3455	226	13	efficacy	efficacy	NOUN
fsr-3455	226	14	for	for	ADP
fsr-3455	226	15	only	only	ADJ
fsr-3455	226	16	african	african	ADJ
fsr-3455	226	17	american	american	ADJ
fsr-3455	226	18	students	student	NOUN
fsr-3455	226	19	,	,	PUNCT
fsr-3455	226	20	this	this	DET
fsr-3455	226	21	association	association	NOUN
fsr-3455	226	22	does	do	AUX
fsr-3455	226	23	not	not	PART
fsr-3455	226	24	exist	exist	VERB
fsr-3455	226	25	.	.	PUNCT
fsr-3455	227	1	similarly	similarly	ADV
fsr-3455	227	2	,	,	PUNCT
fsr-3455	227	3	for	for	ADP
fsr-3455	227	4	the	the	DET
fsr-3455	227	5	non	non	ADJ
fsr-3455	227	6	-	-	ADJ
fsr-3455	227	7	african	african	ADJ
fsr-3455	227	8	american	american	ADJ
fsr-3455	227	9	sample	sample	NOUN
fsr-3455	227	10	,	,	PUNCT
fsr-3455	227	11	there	there	PRON
fsr-3455	227	12	is	be	VERB
fsr-3455	227	13	a	a	DET
fsr-3455	227	14	significant	significant	ADJ
fsr-3455	227	15	indirect	indirect	ADJ
fsr-3455	227	16	relationship	relationship	NOUN
fsr-3455	227	17	from	from	ADP
fsr-3455	227	18	objective	objective	ADJ
fsr-3455	227	19	financial	financial	ADJ
fsr-3455	227	20	knowledge	knowledge	NOUN
fsr-3455	227	21	to	to	ADP
fsr-3455	227	22	financial	financial	ADJ
fsr-3455	227	23	self	self	NOUN
fsr-3455	227	24	-	-	PUNCT
fsr-3455	227	25	efficacy	efficacy	NOUN
fsr-3455	227	26	mediated	mediate	VERB
fsr-3455	227	27	by	by	ADP
fsr-3455	227	28	financial	financial	ADJ
fsr-3455	227	29	management	management	NOUN
fsr-3455	227	30	.	.	PUNCT
fsr-3455	228	1	both	both	PRON
fsr-3455	228	2	objective	objective	ADJ
fsr-3455	228	3	financial	financial	ADJ
fsr-3455	228	4	knowledge	knowledge	NOUN
fsr-3455	228	5	and	and	CCONJ
fsr-3455	228	6	financial	financial	ADJ
fsr-3455	228	7	management	management	NOUN
fsr-3455	228	8	are	be	AUX
fsr-3455	228	9	positively	positively	ADV
fsr-3455	228	10	related	relate	VERB
fsr-3455	228	11	to	to	ADP
fsr-3455	228	12	their	their	PRON
fsr-3455	228	13	financial	financial	ADJ
fsr-3455	228	14	self	self	NOUN
fsr-3455	228	15	-	-	PUNCT
fsr-3455	228	16	efficacy	efficacy	NOUN
fsr-3455	228	17	.	.	PUNCT
fsr-3455	229	1	this	this	PRON
fsr-3455	229	2	provides	provide	VERB
fsr-3455	229	3	support	support	NOUN
fsr-3455	229	4	for	for	ADP
fsr-3455	229	5	both	both	DET
fsr-3455	229	6	hypothesis	hypothesis	NOUN
fsr-3455	229	7	2a	2a	NUM
fsr-3455	229	8	and	and	CCONJ
fsr-3455	229	9	hypothesis	hypothesis	NOUN
fsr-3455	229	10	2b	2b	NOUN
fsr-3455	229	11	.	.	PUNCT
fsr-3455	230	1	however	however	ADV
fsr-3455	230	2	,	,	PUNCT
fsr-3455	230	3	this	this	DET
fsr-3455	230	4	relationship	relationship	NOUN
fsr-3455	230	5	again	again	ADV
fsr-3455	230	6	differs	differ	VERB
fsr-3455	230	7	for	for	ADP
fsr-3455	230	8	the	the	DET
fsr-3455	230	9	african	african	ADJ
fsr-3455	230	10	american	american	ADJ
fsr-3455	230	11	students	student	NOUN
fsr-3455	230	12	in	in	ADP
fsr-3455	230	13	the	the	DET
fsr-3455	230	14	study	study	NOUN
fsr-3455	230	15	.	.	PUNCT
fsr-3455	231	1	there	there	PRON
fsr-3455	231	2	is	be	VERB
fsr-3455	231	3	only	only	ADV
fsr-3455	231	4	a	a	DET
fsr-3455	231	5	significant	significant	ADJ
fsr-3455	231	6	link	link	NOUN
fsr-3455	231	7	from	from	ADP
fsr-3455	231	8	‘	'	PUNCT
fsr-3455	231	9	financial	financial	ADJ
fsr-3455	231	10	management	management	NOUN
fsr-3455	231	11	’	'	PUNCT
fsr-3455	231	12	to	to	ADP
fsr-3455	231	13	‘	'	PUNCT
fsr-3455	231	14	financial	financial	ADJ
fsr-3455	231	15	self	self	NOUN
fsr-3455	231	16	-	-	PUNCT
fsr-3455	231	17	efficacy	efficacy	NOUN
fsr-3455	231	18	’	'	PUNCT
fsr-3455	231	19	.	.	PUNCT
fsr-3455	232	1	table	table	NOUN
fsr-3455	232	2	2	2	NUM
fsr-3455	232	3	summary	summary	NOUN
fsr-3455	232	4	of	of	ADP
fsr-3455	232	5	results	result	NOUN
fsr-3455	232	6	hypothesis	hypothesis	NOUN
fsr-3455	232	7	african	african	PROPN
fsr-3455	232	8	american	american	PROPN
fsr-3455	232	9	non	non	ADJ
fsr-3455	232	10	-	-	ADJ
fsr-3455	232	11	african	african	ADJ
fsr-3455	232	12	american	american	PROPN
fsr-3455	232	13	h1	h1	PROPN
fsr-3455	232	14	objective	objective	ADJ
fsr-3455	232	15	financial	financial	ADJ
fsr-3455	232	16	knowledge	knowledge	NOUN
fsr-3455	232	17	!	!	PUNCT
fsr-3455	233	1	financial	financial	ADJ
fsr-3455	233	2	management	management	NOUN
fsr-3455	233	3	not	not	PART
fsr-3455	233	4	supported	support	VERB
fsr-3455	233	5	supported	support	VERB
fsr-3455	233	6	h2a	h2a	NOUN
fsr-3455	233	7	objective	objective	ADJ
fsr-3455	233	8	financial	financial	ADJ
fsr-3455	233	9	knowledge	knowledge	NOUN
fsr-3455	233	10	!	!	PUNCT
fsr-3455	234	1	financial	financial	ADJ
fsr-3455	234	2	self	self	NOUN
fsr-3455	234	3	-	-	PUNCT
fsr-3455	234	4	efficacy	efficacy	NOUN
fsr-3455	234	5	not	not	PART
fsr-3455	234	6	supported	support	VERB
fsr-3455	234	7	supported	support	VERB
fsr-3455	234	8	h2b	h2b	PROPN
fsr-3455	234	9	financial	financial	ADJ
fsr-3455	234	10	management	management	NOUN
fsr-3455	234	11	!	!	PUNCT
fsr-3455	235	1	financial	financial	ADJ
fsr-3455	235	2	self	self	NOUN
fsr-3455	235	3	-	-	PUNCT
fsr-3455	235	4	efficacy	efficacy	NOUN
fsr-3455	235	5	supported	support	VERB
fsr-3455	235	6	supported	support	VERB
fsr-3455	235	7	180	180	NUM
fsr-3455	235	8	k.	k.	PROPN
fsr-3455	235	9	white	white	PROPN
fsr-3455	235	10	et	et	PROPN
fsr-3455	235	11	al	al	PROPN
fsr-3455	235	12	.	.	PUNCT
fsr-3455	236	1	/	/	SYM
fsr-3455	236	2	financial	financial	ADJ
fsr-3455	236	3	services	service	NOUN
fsr-3455	236	4	review	review	VERB
fsr-3455	236	5	29	29	NUM
fsr-3455	236	6	(	(	PUNCT
fsr-3455	236	7	2021	2021	NUM
fsr-3455	236	8	)	)	PUNCT
fsr-3455	236	9	169–185	169–185	NUM
fsr-3455	236	10	these	these	DET
fsr-3455	236	11	results	result	NOUN
fsr-3455	236	12	suggest	suggest	VERB
fsr-3455	236	13	that	that	SCONJ
fsr-3455	236	14	financial	financial	ADJ
fsr-3455	236	15	management	management	NOUN
fsr-3455	236	16	experience	experience	NOUN
fsr-3455	236	17	is	be	AUX
fsr-3455	236	18	important	important	ADJ
fsr-3455	236	19	for	for	SCONJ
fsr-3455	236	20	african	african	ADJ
fsr-3455	236	21	american	american	ADJ
fsr-3455	236	22	students	student	NOUN
fsr-3455	236	23	to	to	PART
fsr-3455	236	24	attain	attain	VERB
fsr-3455	236	25	financial	financial	ADJ
fsr-3455	236	26	self	self	NOUN
fsr-3455	236	27	-	-	PUNCT
fsr-3455	236	28	efficacy	efficacy	NOUN
fsr-3455	236	29	.	.	PUNCT
fsr-3455	237	1	the	the	DET
fsr-3455	237	2	findings	finding	NOUN
fsr-3455	237	3	of	of	ADP
fsr-3455	237	4	this	this	DET
fsr-3455	237	5	study	study	NOUN
fsr-3455	237	6	appear	appear	VERB
fsr-3455	237	7	to	to	PART
fsr-3455	237	8	suggest	suggest	VERB
fsr-3455	237	9	that	that	SCONJ
fsr-3455	237	10	simply	simply	ADV
fsr-3455	237	11	having	have	VERB
fsr-3455	237	12	objective	objective	ADJ
fsr-3455	237	13	financial	financial	ADJ
fsr-3455	237	14	knowledge	knowledge	NOUN
fsr-3455	237	15	is	be	AUX
fsr-3455	237	16	not	not	PART
fsr-3455	237	17	as	as	ADV
fsr-3455	237	18	powerful	powerful	ADJ
fsr-3455	237	19	a	a	DET
fsr-3455	237	20	tool	tool	NOUN
fsr-3455	237	21	as	as	ADP
fsr-3455	237	22	providing	provide	VERB
fsr-3455	237	23	experiences	experience	NOUN
fsr-3455	237	24	to	to	PART
fsr-3455	237	25	counteract	counteract	VERB
fsr-3455	237	26	this	this	DET
fsr-3455	237	27	difference	difference	NOUN
fsr-3455	237	28	in	in	ADP
fsr-3455	237	29	african	african	ADJ
fsr-3455	237	30	american	american	ADJ
fsr-3455	237	31	communities	community	NOUN
fsr-3455	237	32	.	.	PUNCT
fsr-3455	238	1	it	it	PRON
fsr-3455	238	2	is	be	AUX
fsr-3455	238	3	important	important	ADJ
fsr-3455	238	4	for	for	ADP
fsr-3455	238	5	african	african	ADJ
fsr-3455	238	6	american	american	ADJ
fsr-3455	238	7	students	student	NOUN
fsr-3455	238	8	to	to	ADP
fsr-3455	238	9	manager	manager	NOUN
fsr-3455	238	10	finances	finance	NOUN
fsr-3455	238	11	to	to	PART
fsr-3455	238	12	acquire	acquire	VERB
fsr-3455	238	13	the	the	DET
fsr-3455	238	14	ability	ability	NOUN
fsr-3455	238	15	and	and	CCONJ
fsr-3455	238	16	confidence	confidence	NOUN
fsr-3455	238	17	to	to	PART
fsr-3455	238	18	become	become	VERB
fsr-3455	238	19	financially	financially	ADV
fsr-3455	238	20	literate	literate	ADJ
fsr-3455	238	21	individuals	individual	NOUN
fsr-3455	238	22	.	.	PUNCT
fsr-3455	239	1	6	6	X
fsr-3455	239	2	.	.	X
fsr-3455	239	3	conclusions	conclusion	NOUN
fsr-3455	239	4	the	the	DET
fsr-3455	239	5	results	result	NOUN
fsr-3455	239	6	of	of	ADP
fsr-3455	239	7	this	this	DET
fsr-3455	239	8	study	study	NOUN
fsr-3455	239	9	show	show	VERB
fsr-3455	239	10	it	it	PRON
fsr-3455	239	11	is	be	AUX
fsr-3455	239	12	important	important	ADJ
fsr-3455	239	13	to	to	PART
fsr-3455	239	14	not	not	PART
fsr-3455	239	15	generalize	generalize	VERB
fsr-3455	239	16	findings	finding	NOUN
fsr-3455	239	17	of	of	ADP
fsr-3455	239	18	studies	study	NOUN
fsr-3455	239	19	to	to	ADP
fsr-3455	239	20	all	all	DET
fsr-3455	239	21	populations	population	NOUN
fsr-3455	239	22	.	.	PUNCT
fsr-3455	240	1	more	more	ADJ
fsr-3455	240	2	research	research	NOUN
fsr-3455	240	3	is	be	AUX
fsr-3455	240	4	needed	need	VERB
fsr-3455	240	5	to	to	PART
fsr-3455	240	6	explore	explore	VERB
fsr-3455	240	7	between	between	ADP
fsr-3455	240	8	group	group	NOUN
fsr-3455	240	9	differences	difference	NOUN
fsr-3455	240	10	to	to	PART
fsr-3455	240	11	ensure	ensure	VERB
fsr-3455	240	12	that	that	SCONJ
fsr-3455	240	13	best	good	ADJ
fsr-3455	240	14	practices	practice	NOUN
fsr-3455	240	15	are	be	AUX
fsr-3455	240	16	truly	truly	ADV
fsr-3455	240	17	best	good	ADJ
fsr-3455	240	18	for	for	ADP
fsr-3455	240	19	all	all	DET
fsr-3455	240	20	groups	group	NOUN
fsr-3455	240	21	.	.	PUNCT
fsr-3455	241	1	for	for	ADP
fsr-3455	241	2	instance	instance	NOUN
fsr-3455	241	3	,	,	PUNCT
fsr-3455	241	4	our	our	PRON
fsr-3455	241	5	study	study	NOUN
fsr-3455	241	6	shows	show	VERB
fsr-3455	241	7	that	that	SCONJ
fsr-3455	241	8	an	an	DET
fsr-3455	241	9	essential	essential	ADJ
fsr-3455	241	10	ingredient	ingredient	NOUN
fsr-3455	241	11	in	in	ADP
fsr-3455	241	12	financial	financial	ADJ
fsr-3455	241	13	education	education	NOUN
fsr-3455	241	14	programs	program	NOUN
fsr-3455	241	15	is	be	AUX
fsr-3455	241	16	a	a	DET
fsr-3455	241	17	focus	focus	NOUN
fsr-3455	241	18	on	on	ADP
fsr-3455	241	19	building	build	VERB
fsr-3455	241	20	financial	financial	ADJ
fsr-3455	241	21	self	self	NOUN
fsr-3455	241	22	-	-	PUNCT
fsr-3455	241	23	efficacy	efficacy	NOUN
fsr-3455	241	24	.	.	PUNCT
fsr-3455	242	1	for	for	ADP
fsr-3455	242	2	african	african	ADJ
fsr-3455	242	3	american	american	ADJ
fsr-3455	242	4	students	student	NOUN
fsr-3455	242	5	,	,	PUNCT
fsr-3455	242	6	providing	provide	VERB
fsr-3455	242	7	opportunities	opportunity	NOUN
fsr-3455	242	8	for	for	ADP
fsr-3455	242	9	learning	learn	VERB
fsr-3455	242	10	through	through	ADP
fsr-3455	242	11	financial	financial	ADJ
fsr-3455	242	12	management	management	NOUN
fsr-3455	242	13	experiences	experience	NOUN
fsr-3455	242	14	must	must	AUX
fsr-3455	242	15	be	be	AUX
fsr-3455	242	16	an	an	DET
fsr-3455	242	17	important	important	ADJ
fsr-3455	242	18	component	component	NOUN
fsr-3455	242	19	of	of	ADP
fsr-3455	242	20	financial	financial	ADJ
fsr-3455	242	21	education	education	NOUN
fsr-3455	242	22	(	(	PUNCT
fsr-3455	242	23	henager	henag	ADJ
fsr-3455	242	24	&	&	CCONJ
fsr-3455	242	25	cude	cude	ADJ
fsr-3455	242	26	,	,	PUNCT
fsr-3455	242	27	2016	2016	NUM
fsr-3455	242	28	;	;	PUNCT
fsr-3455	242	29	robb	robb	NOUN
fsr-3455	242	30	&	&	CCONJ
fsr-3455	242	31	woodyard	woodyard	PROPN
fsr-3455	242	32	,	,	PUNCT
fsr-3455	242	33	2011	2011	NUM
fsr-3455	242	34	)	)	PUNCT
fsr-3455	242	35	.	.	PUNCT
fsr-3455	243	1	thus	thus	ADV
fsr-3455	243	2	,	,	PUNCT
fsr-3455	243	3	financial	financial	ADJ
fsr-3455	243	4	education	education	NOUN
fsr-3455	243	5	programs	program	NOUN
fsr-3455	243	6	focusing	focus	VERB
fsr-3455	243	7	on	on	ADP
fsr-3455	243	8	experiential	experiential	ADJ
fsr-3455	243	9	learning	learning	NOUN
fsr-3455	243	10	may	may	AUX
fsr-3455	243	11	enhance	enhance	VERB
fsr-3455	243	12	financial	financial	ADJ
fsr-3455	243	13	literacy	literacy	NOUN
fsr-3455	243	14	among	among	ADP
fsr-3455	243	15	african	african	ADJ
fsr-3455	243	16	american	american	ADJ
fsr-3455	243	17	students	student	NOUN
fsr-3455	243	18	and	and	CCONJ
fsr-3455	243	19	ultimately	ultimately	ADV
fsr-3455	243	20	mitigate	mitigate	VERB
fsr-3455	243	21	financial	financial	ADJ
fsr-3455	243	22	problems	problem	NOUN
fsr-3455	243	23	that	that	PRON
fsr-3455	243	24	individuals	individual	NOUN
fsr-3455	243	25	and	and	CCONJ
fsr-3455	243	26	families	family	NOUN
fsr-3455	243	27	face	face	VERB
fsr-3455	243	28	(	(	PUNCT
fsr-3455	243	29	huston	huston	PROPN
fsr-3455	243	30	,	,	PUNCT
fsr-3455	243	31	2010	2010	NUM
fsr-3455	243	32	)	)	PUNCT
fsr-3455	243	33	.	.	PUNCT
fsr-3455	244	1	this	this	PRON
fsr-3455	244	2	is	be	AUX
fsr-3455	244	3	consistent	consistent	ADJ
fsr-3455	244	4	with	with	ADP
fsr-3455	244	5	tang	tang	NOUN
fsr-3455	244	6	and	and	CCONJ
fsr-3455	244	7	peter	peter	PROPN
fsr-3455	244	8	(	(	PUNCT
fsr-3455	244	9	2015	2015	NUM
fsr-3455	244	10	)	)	PUNCT
fsr-3455	244	11	who	who	PRON
fsr-3455	244	12	suggest	suggest	VERB
fsr-3455	244	13	that	that	SCONJ
fsr-3455	244	14	hands	hand	NOUN
fsr-3455	244	15	-	-	PUNCT
fsr-3455	244	16	on	on	ADP
fsr-3455	244	17	experience	experience	NOUN
fsr-3455	244	18	and	and	CCONJ
fsr-3455	244	19	application	application	NOUN
fsr-3455	244	20	-	-	PUNCT
fsr-3455	244	21	orientated	orientate	VERB
fsr-3455	244	22	financial	financial	ADJ
fsr-3455	244	23	education	education	NOUN
fsr-3455	244	24	is	be	AUX
fsr-3455	244	25	effective	effective	ADJ
fsr-3455	244	26	in	in	ADP
fsr-3455	244	27	improving	improve	VERB
fsr-3455	244	28	the	the	DET
fsr-3455	244	29	acquisition	acquisition	NOUN
fsr-3455	244	30	of	of	ADP
fsr-3455	244	31	objective	objective	ADJ
fsr-3455	244	32	financial	financial	ADJ
fsr-3455	244	33	knowledge	knowledge	NOUN
fsr-3455	244	34	.	.	PUNCT
fsr-3455	245	1	established	establish	VERB
fsr-3455	245	2	university	university	NOUN
fsr-3455	245	3	-	-	PUNCT
fsr-3455	245	4	based	base	VERB
fsr-3455	245	5	,	,	PUNCT
fsr-3455	245	6	peer	peer	NOUN
fsr-3455	245	7	-	-	PUNCT
fsr-3455	245	8	mentoring	mentor	VERB
fsr-3455	245	9	or	or	CCONJ
fsr-3455	245	10	counseling	counseling	NOUN
fsr-3455	245	11	programs	program	NOUN
fsr-3455	245	12	(	(	PUNCT
fsr-3455	245	13	e.g.	e.g.	ADV
fsr-3455	245	14	,	,	PUNCT
fsr-3455	245	15	the	the	DET
fsr-3455	245	16	aspire	aspire	NOUN
fsr-3455	245	17	clinic	clinic	NOUN
fsr-3455	245	18	at	at	ADP
fsr-3455	245	19	the	the	DET
fsr-3455	245	20	university	university	PROPN
fsr-3455	245	21	of	of	ADP
fsr-3455	245	22	georgia	georgia	PROPN
fsr-3455	245	23	and	and	CCONJ
fsr-3455	245	24	powercat	powercat	PROPN
fsr-3455	245	25	financial	financial	ADJ
fsr-3455	245	26	at	at	ADP
fsr-3455	245	27	kansas	kansas	PROPN
fsr-3455	245	28	state	state	PROPN
fsr-3455	245	29	university	university	PROPN
fsr-3455	245	30	)	)	PUNCT
fsr-3455	245	31	are	be	AUX
fsr-3455	245	32	invaluable	invaluable	ADJ
fsr-3455	245	33	resources	resource	NOUN
fsr-3455	245	34	to	to	PART
fsr-3455	245	35	increase	increase	VERB
fsr-3455	245	36	the	the	DET
fsr-3455	245	37	self	self	NOUN
fsr-3455	245	38	-	-	PUNCT
fsr-3455	245	39	efficacy	efficacy	NOUN
fsr-3455	245	40	of	of	ADP
fsr-3455	245	41	african	african	ADJ
fsr-3455	245	42	american	american	ADJ
fsr-3455	245	43	students	student	NOUN
fsr-3455	245	44	through	through	ADP
fsr-3455	245	45	financial	financial	ADJ
fsr-3455	245	46	management	management	NOUN
fsr-3455	245	47	experiences	experience	NOUN
fsr-3455	245	48	.	.	PUNCT
fsr-3455	246	1	providing	provide	VERB
fsr-3455	246	2	financial	financial	ADJ
fsr-3455	246	3	education	education	NOUN
fsr-3455	246	4	in	in	ADP
fsr-3455	246	5	its	its	PRON
fsr-3455	246	6	current	current	ADJ
fsr-3455	246	7	form	form	NOUN
fsr-3455	246	8	may	may	AUX
fsr-3455	246	9	increase	increase	VERB
fsr-3455	246	10	the	the	DET
fsr-3455	246	11	objective	objective	ADJ
fsr-3455	246	12	financial	financial	ADJ
fsr-3455	246	13	knowledge	knowledge	NOUN
fsr-3455	246	14	gap	gap	NOUN
fsr-3455	246	15	between	between	ADP
fsr-3455	246	16	white	white	ADJ
fsr-3455	246	17	and	and	CCONJ
fsr-3455	246	18	african	african	ADJ
fsr-3455	246	19	american	american	PROPN
fsr-3455	246	20	college	college	PROPN
fsr-3455	246	21	students	student	NOUN
fsr-3455	246	22	.	.	PUNCT
fsr-3455	247	1	although	although	SCONJ
fsr-3455	247	2	financial	financial	ADJ
fsr-3455	247	3	literacy	literacy	NOUN
fsr-3455	247	4	is	be	AUX
fsr-3455	247	5	associated	associate	VERB
fsr-3455	247	6	with	with	ADP
fsr-3455	247	7	positive	positive	ADJ
fsr-3455	247	8	financial	financial	ADJ
fsr-3455	247	9	outcomes	outcome	NOUN
fsr-3455	247	10	,	,	PUNCT
fsr-3455	247	11	we	we	PRON
fsr-3455	247	12	must	must	AUX
fsr-3455	247	13	acknowledge	acknowledge	VERB
fsr-3455	247	14	that	that	SCONJ
fsr-3455	247	15	financial	financial	ADJ
fsr-3455	247	16	literacy	literacy	NOUN
fsr-3455	247	17	alone	alone	ADV
fsr-3455	247	18	does	do	AUX
fsr-3455	247	19	not	not	PART
fsr-3455	247	20	influence	influence	VERB
fsr-3455	247	21	positive	positive	ADJ
fsr-3455	247	22	or	or	CCONJ
fsr-3455	247	23	negative	negative	ADJ
fsr-3455	247	24	financial	financial	ADJ
fsr-3455	247	25	outcomes	outcome	NOUN
fsr-3455	247	26	.	.	PUNCT
fsr-3455	248	1	factors	factor	NOUN
fsr-3455	248	2	such	such	ADJ
fsr-3455	248	3	as	as	ADP
fsr-3455	248	4	culture	culture	NOUN
fsr-3455	248	5	,	,	PUNCT
fsr-3455	248	6	family	family	NOUN
fsr-3455	248	7	,	,	PUNCT
fsr-3455	248	8	economic	economic	ADJ
fsr-3455	248	9	,	,	PUNCT
fsr-3455	248	10	and	and	CCONJ
fsr-3455	248	11	institutional	institutional	ADJ
fsr-3455	248	12	policies	policy	NOUN
fsr-3455	248	13	may	may	AUX
fsr-3455	248	14	result	result	VERB
fsr-3455	248	15	in	in	ADP
fsr-3455	248	16	individuals	individual	NOUN
fsr-3455	248	17	engaging	engage	VERB
fsr-3455	248	18	in	in	ADP
fsr-3455	248	19	ineffective	ineffective	ADJ
fsr-3455	248	20	personal	personal	ADJ
fsr-3455	248	21	financial	financial	ADJ
fsr-3455	248	22	behaviors	behavior	NOUN
fsr-3455	248	23	that	that	PRON
fsr-3455	248	24	disrupt	disrupt	VERB
fsr-3455	248	25	their	their	PRON
fsr-3455	248	26	financial	financial	ADJ
fsr-3455	248	27	well	well	NOUN
fsr-3455	248	28	-	-	PUNCT
fsr-3455	248	29	being	be	AUX
fsr-3455	248	30	(	(	PUNCT
fsr-3455	248	31	huston	huston	PROPN
fsr-3455	248	32	,	,	PUNCT
fsr-3455	248	33	2010	2010	NUM
fsr-3455	248	34	)	)	PUNCT
fsr-3455	248	35	.	.	PUNCT
fsr-3455	249	1	this	this	DET
fsr-3455	249	2	study	study	NOUN
fsr-3455	249	3	highlights	highlight	VERB
fsr-3455	249	4	the	the	DET
fsr-3455	249	5	importance	importance	NOUN
fsr-3455	249	6	of	of	ADP
fsr-3455	249	7	offering	offer	VERB
fsr-3455	249	8	a	a	DET
fsr-3455	249	9	variety	variety	NOUN
fsr-3455	249	10	of	of	ADP
fsr-3455	249	11	financial	financial	ADJ
fsr-3455	249	12	education	education	NOUN
fsr-3455	249	13	instructional	instructional	ADJ
fsr-3455	249	14	methods	method	NOUN
fsr-3455	249	15	to	to	PART
fsr-3455	249	16	make	make	VERB
fsr-3455	249	17	targeted	target	VERB
fsr-3455	249	18	financial	financial	ADJ
fsr-3455	249	19	outcomes	outcome	NOUN
fsr-3455	249	20	accessible	accessible	ADJ
fsr-3455	249	21	to	to	ADP
fsr-3455	249	22	a	a	DET
fsr-3455	249	23	broader	broad	ADJ
fsr-3455	249	24	and	and	CCONJ
fsr-3455	249	25	more	more	ADV
fsr-3455	249	26	diverse	diverse	ADJ
fsr-3455	249	27	range	range	NOUN
fsr-3455	249	28	of	of	ADP
fsr-3455	249	29	students	student	NOUN
fsr-3455	249	30	.	.	PUNCT
fsr-3455	250	1	it	it	PRON
fsr-3455	250	2	is	be	AUX
fsr-3455	250	3	important	important	ADJ
fsr-3455	250	4	to	to	PART
fsr-3455	250	5	note	note	VERB
fsr-3455	250	6	some	some	PRON
fsr-3455	250	7	of	of	ADP
fsr-3455	250	8	the	the	DET
fsr-3455	250	9	study	study	NOUN
fsr-3455	250	10	’s	’s	PART
fsr-3455	250	11	limitations	limitation	NOUN
fsr-3455	250	12	.	.	PUNCT
fsr-3455	251	1	due	due	ADP
fsr-3455	251	2	to	to	ADP
fsr-3455	251	3	the	the	DET
fsr-3455	251	4	cross	cross	ADJ
fsr-3455	251	5	-	-	ADJ
fsr-3455	251	6	sectional	sectional	ADJ
fsr-3455	251	7	nature	nature	NOUN
fsr-3455	251	8	of	of	ADP
fsr-3455	251	9	the	the	DET
fsr-3455	251	10	data	datum	NOUN
fsr-3455	251	11	,	,	PUNCT
fsr-3455	251	12	causations	causation	NOUN
fsr-3455	251	13	can	can	AUX
fsr-3455	251	14	not	not	PART
fsr-3455	251	15	be	be	AUX
fsr-3455	251	16	concluded	conclude	VERB
fsr-3455	251	17	from	from	ADP
fsr-3455	251	18	these	these	DET
fsr-3455	251	19	results	result	NOUN
fsr-3455	251	20	.	.	PUNCT
fsr-3455	252	1	future	future	ADJ
fsr-3455	252	2	research	research	NOUN
fsr-3455	252	3	should	should	AUX
fsr-3455	252	4	focus	focus	VERB
fsr-3455	252	5	on	on	ADP
fsr-3455	252	6	the	the	DET
fsr-3455	252	7	use	use	NOUN
fsr-3455	252	8	of	of	ADP
fsr-3455	252	9	longitudinal	longitudinal	ADJ
fsr-3455	252	10	data	datum	NOUN
fsr-3455	252	11	or	or	CCONJ
fsr-3455	252	12	experimental	experimental	ADJ
fsr-3455	252	13	designs	design	NOUN
fsr-3455	252	14	to	to	PART
fsr-3455	252	15	find	find	VERB
fsr-3455	252	16	direct	direct	ADJ
fsr-3455	252	17	causes	cause	NOUN
fsr-3455	252	18	.	.	PUNCT
fsr-3455	253	1	in	in	ADP
fsr-3455	253	2	addition	addition	NOUN
fsr-3455	253	3	,	,	PUNCT
fsr-3455	253	4	our	our	PRON
fsr-3455	253	5	findings	finding	NOUN
fsr-3455	253	6	suggest	suggest	VERB
fsr-3455	253	7	the	the	DET
fsr-3455	253	8	need	need	NOUN
fsr-3455	253	9	for	for	ADP
fsr-3455	253	10	experiential	experiential	ADJ
fsr-3455	253	11	learning	learning	NOUN
fsr-3455	253	12	,	,	PUNCT
fsr-3455	253	13	yet	yet	CCONJ
fsr-3455	253	14	an	an	DET
fsr-3455	253	15	experimental	experimental	ADJ
fsr-3455	253	16	design	design	NOUN
fsr-3455	253	17	is	be	AUX
fsr-3455	253	18	needed	need	VERB
fsr-3455	253	19	to	to	PART
fsr-3455	253	20	formalize	formalize	VERB
fsr-3455	253	21	the	the	DET
fsr-3455	253	22	best	good	ADJ
fsr-3455	253	23	practice	practice	NOUN
fsr-3455	253	24	suggestion	suggestion	NOUN
fsr-3455	253	25	.	.	PUNCT
fsr-3455	254	1	furthermore	furthermore	ADV
fsr-3455	254	2	,	,	PUNCT
fsr-3455	254	3	more	more	ADJ
fsr-3455	254	4	research	research	NOUN
fsr-3455	254	5	is	be	AUX
fsr-3455	254	6	needed	need	VERB
fsr-3455	254	7	to	to	PART
fsr-3455	254	8	explore	explore	VERB
fsr-3455	254	9	the	the	DET
fsr-3455	254	10	relationship	relationship	NOUN
fsr-3455	254	11	between	between	ADP
fsr-3455	254	12	objective	objective	ADJ
fsr-3455	254	13	financial	financial	ADJ
fsr-3455	254	14	knowledge	knowledge	NOUN
fsr-3455	254	15	,	,	PUNCT
fsr-3455	254	16	financial	financial	ADJ
fsr-3455	254	17	self	self	NOUN
fsr-3455	254	18	-	-	PUNCT
fsr-3455	254	19	efficacy	efficacy	NOUN
fsr-3455	254	20	,	,	PUNCT
fsr-3455	254	21	and	and	CCONJ
fsr-3455	254	22	financial	financial	ADJ
fsr-3455	254	23	management	management	NOUN
fsr-3455	254	24	experiences	experience	NOUN
fsr-3455	254	25	in	in	ADP
fsr-3455	254	26	african	african	ADJ
fsr-3455	254	27	americans	americans	PROPN
fsr-3455	254	28	to	to	PART
fsr-3455	254	29	provide	provide	VERB
fsr-3455	254	30	more	more	ADJ
fsr-3455	254	31	insights	insight	NOUN
fsr-3455	254	32	in	in	ADP
fsr-3455	254	33	the	the	DET
fsr-3455	254	34	underlying	underlie	VERB
fsr-3455	254	35	factors	factor	NOUN
fsr-3455	254	36	that	that	PRON
fsr-3455	254	37	cause	cause	VERB
fsr-3455	254	38	k.	k.	PROPN
fsr-3455	254	39	white	white	PROPN
fsr-3455	254	40	et	et	PROPN
fsr-3455	254	41	al	al	PROPN
fsr-3455	254	42	.	.	PUNCT
fsr-3455	254	43	/	/	SYM
fsr-3455	254	44	financial	financial	ADJ
fsr-3455	254	45	services	service	NOUN
fsr-3455	254	46	review	review	VERB
fsr-3455	254	47	29	29	NUM
fsr-3455	254	48	(	(	PUNCT
fsr-3455	254	49	2021	2021	NUM
fsr-3455	254	50	)	)	PUNCT
fsr-3455	255	1	169–185	169–185	NUM
fsr-3455	255	2	181	181	NUM
fsr-3455	255	3	different	different	ADJ
fsr-3455	255	4	results	result	NOUN
fsr-3455	255	5	across	across	ADP
fsr-3455	255	6	racial	racial	ADJ
fsr-3455	255	7	groups	group	NOUN
fsr-3455	255	8	.	.	PUNCT
fsr-3455	256	1	current	current	ADJ
fsr-3455	256	2	and	and	CCONJ
fsr-3455	256	3	future	future	ADJ
fsr-3455	256	4	financial	financial	ADJ
fsr-3455	256	5	education	education	NOUN
fsr-3455	256	6	curricula	curricula	NOUN
fsr-3455	256	7	should	should	AUX
fsr-3455	256	8	focus	focus	VERB
fsr-3455	256	9	not	not	PART
fsr-3455	256	10	only	only	ADV
fsr-3455	256	11	on	on	ADP
fsr-3455	256	12	how	how	SCONJ
fsr-3455	256	13	individuals	individual	NOUN
fsr-3455	256	14	perform	perform	VERB
fsr-3455	256	15	financial	financial	ADJ
fsr-3455	256	16	management	management	NOUN
fsr-3455	256	17	behaviors	behavior	NOUN
fsr-3455	256	18	but	but	CCONJ
fsr-3455	256	19	also	also	ADV
fsr-3455	256	20	how	how	SCONJ
fsr-3455	256	21	to	to	PART
fsr-3455	256	22	help	help	VERB
fsr-3455	256	23	increase	increase	VERB
fsr-3455	256	24	a	a	DET
fsr-3455	256	25	person	person	NOUN
fsr-3455	256	26	’s	’s	PART
fsr-3455	256	27	financial	financial	ADJ
fsr-3455	256	28	self	self	NOUN
fsr-3455	256	29	-	-	PUNCT
fsr-3455	256	30	efficacy	efficacy	NOUN
fsr-3455	256	31	as	as	SCONJ
fsr-3455	256	32	this	this	PRON
fsr-3455	256	33	is	be	AUX
fsr-3455	256	34	an	an	DET
fsr-3455	256	35	essential	essential	ADJ
fsr-3455	256	36	component	component	NOUN
fsr-3455	256	37	of	of	ADP
fsr-3455	256	38	one	one	NUM
fsr-3455	256	39	’s	’s	PART
fsr-3455	256	40	ability	ability	NOUN
fsr-3455	256	41	to	to	PART
fsr-3455	256	42	be	be	AUX
fsr-3455	256	43	financially	financially	ADV
fsr-3455	256	44	literate	literate	ADJ
fsr-3455	256	45	.	.	PUNCT
fsr-3455	257	1	as	as	SCONJ
fsr-3455	257	2	aforementioned	aforementione	VERB
fsr-3455	257	3	,	,	PUNCT
fsr-3455	257	4	there	there	PRON
fsr-3455	257	5	is	be	VERB
fsr-3455	257	6	a	a	DET
fsr-3455	257	7	bidirectional	bidirectional	ADJ
fsr-3455	257	8	relationship	relationship	NOUN
fsr-3455	257	9	between	between	ADP
fsr-3455	257	10	financial	financial	ADJ
fsr-3455	257	11	self	self	NOUN
fsr-3455	257	12	-	-	PUNCT
fsr-3455	257	13	efficacy	efficacy	NOUN
fsr-3455	257	14	and	and	CCONJ
fsr-3455	257	15	financial	financial	ADJ
fsr-3455	257	16	management	management	NOUN
fsr-3455	257	17	behaviors	behavior	NOUN
fsr-3455	257	18	.	.	PUNCT
fsr-3455	258	1	in	in	ADP
fsr-3455	258	2	the	the	DET
fsr-3455	258	3	current	current	ADJ
fsr-3455	258	4	study	study	NOUN
fsr-3455	258	5	,	,	PUNCT
fsr-3455	258	6	we	we	PRON
fsr-3455	258	7	tested	test	VERB
fsr-3455	258	8	how	how	SCONJ
fsr-3455	258	9	objective	objective	ADJ
fsr-3455	258	10	financial	financial	ADJ
fsr-3455	258	11	knowledge	knowledge	NOUN
fsr-3455	258	12	,	,	PUNCT
fsr-3455	258	13	financial	financial	ADJ
fsr-3455	258	14	management	management	NOUN
fsr-3455	258	15	,	,	PUNCT
fsr-3455	258	16	and	and	CCONJ
fsr-3455	258	17	financial	financial	ADJ
fsr-3455	258	18	self	self	NOUN
fsr-3455	258	19	-	-	PUNCT
fsr-3455	258	20	efficacy	efficacy	NOUN
fsr-3455	258	21	,	,	PUNCT
fsr-3455	258	22	are	be	AUX
fsr-3455	258	23	associated	associate	VERB
fsr-3455	258	24	with	with	ADP
fsr-3455	258	25	college	college	NOUN
fsr-3455	258	26	students	student	NOUN
fsr-3455	258	27	’	'	PUNCT
fsr-3455	258	28	financial	financial	ADJ
fsr-3455	258	29	literacy	literacy	NOUN
fsr-3455	258	30	across	across	ADP
fsr-3455	258	31	racial	racial	ADJ
fsr-3455	258	32	groups	group	NOUN
fsr-3455	258	33	.	.	PUNCT
fsr-3455	259	1	further	further	ADJ
fsr-3455	259	2	research	research	NOUN
fsr-3455	259	3	is	be	AUX
fsr-3455	259	4	needed	need	VERB
fsr-3455	259	5	to	to	PART
fsr-3455	259	6	explore	explore	VERB
fsr-3455	259	7	any	any	DET
fsr-3455	259	8	potential	potential	NOUN
fsr-3455	259	9	for	for	ADP
fsr-3455	259	10	reverse	reverse	ADJ
fsr-3455	259	11	causality	causality	NOUN
fsr-3455	259	12	in	in	ADP
fsr-3455	259	13	how	how	SCONJ
fsr-3455	259	14	we	we	PRON
fsr-3455	259	15	tested	test	VERB
fsr-3455	259	16	the	the	DET
fsr-3455	259	17	relationship	relationship	NOUN
fsr-3455	259	18	between	between	ADP
fsr-3455	259	19	these	these	DET
fsr-3455	259	20	variables	variable	NOUN
fsr-3455	259	21	.	.	PUNCT
fsr-3455	260	1	despite	despite	SCONJ
fsr-3455	260	2	these	these	DET
fsr-3455	260	3	limitations	limitation	NOUN
fsr-3455	260	4	,	,	PUNCT
fsr-3455	260	5	financial	financial	ADJ
fsr-3455	260	6	practitioners	practitioner	NOUN
fsr-3455	260	7	and	and	CCONJ
fsr-3455	260	8	educators	educator	NOUN
fsr-3455	260	9	can	can	AUX
fsr-3455	260	10	use	use	VERB
fsr-3455	260	11	these	these	DET
fsr-3455	260	12	findings	finding	NOUN
fsr-3455	260	13	to	to	PART
fsr-3455	260	14	create	create	VERB
fsr-3455	260	15	culturally	culturally	ADV
fsr-3455	260	16	responsive	responsive	ADJ
fsr-3455	260	17	financial	financial	ADJ
fsr-3455	260	18	education	education	NOUN
fsr-3455	260	19	programs	program	NOUN
fsr-3455	260	20	to	to	PART
fsr-3455	260	21	help	help	VERB
fsr-3455	260	22	increase	increase	VERB
fsr-3455	260	23	financial	financial	ADJ
fsr-3455	260	24	self	self	NOUN
fsr-3455	260	25	-	-	PUNCT
fsr-3455	260	26	efficacy	efficacy	NOUN
fsr-3455	260	27	and	and	CCONJ
fsr-3455	260	28	close	close	VERB
fsr-3455	260	29	the	the	DET
fsr-3455	260	30	objective	objective	ADJ
fsr-3455	260	31	financial	financial	ADJ
fsr-3455	260	32	knowledge	knowledge	NOUN
fsr-3455	260	33	and	and	CCONJ
fsr-3455	260	34	literacy	literacy	NOUN
fsr-3455	260	35	gap	gap	NOUN
fsr-3455	260	36	between	between	ADP
fsr-3455	260	37	african	african	ADJ
fsr-3455	260	38	americans	americans	PROPN
fsr-3455	260	39	and	and	CCONJ
fsr-3455	260	40	other	other	ADJ
fsr-3455	260	41	races	race	NOUN
fsr-3455	260	42	/	/	SYM
fsr-3455	260	43	ethnicities	ethnicity	NOUN
fsr-3455	260	44	.	.	PUNCT
fsr-3455	261	1	note	note	VERB
fsr-3455	261	2	1	1	NUM
fsr-3455	261	3	in	in	ADP
fsr-3455	261	4	2014	2014	NUM
fsr-3455	261	5	,	,	PUNCT
fsr-3455	261	6	when	when	SCONJ
fsr-3455	261	7	the	the	DET
fsr-3455	261	8	data	datum	NOUN
fsr-3455	261	9	were	be	AUX
fsr-3455	261	10	originally	originally	ADV
fsr-3455	261	11	collected	collect	VERB
fsr-3455	261	12	and	and	CCONJ
fsr-3455	261	13	released	release	VERB
fsr-3455	261	14	for	for	ADP
fsr-3455	261	15	use	use	NOUN
fsr-3455	261	16	,	,	PUNCT
fsr-3455	261	17	it	it	PRON
fsr-3455	261	18	was	be	AUX
fsr-3455	261	19	titled	title	VERB
fsr-3455	261	20	nsfws	nsfws	NOUN
fsr-3455	261	21	.	.	PUNCT
fsr-3455	262	1	the	the	DET
fsr-3455	262	2	name	name	NOUN
fsr-3455	262	3	was	be	AUX
fsr-3455	262	4	later	later	ADV
fsr-3455	262	5	changed	change	VERB
fsr-3455	262	6	to	to	ADP
fsr-3455	262	7	scfw	scfw	NOUN
fsr-3455	262	8	for	for	ADP
fsr-3455	262	9	subsequent	subsequent	ADJ
fsr-3455	262	10	data	datum	NOUN
fsr-3455	262	11	collection	collection	NOUN
fsr-3455	262	12	beginning	begin	VERB
fsr-3455	262	13	in	in	ADP
fsr-3455	262	14	2017	2017	NUM
fsr-3455	262	15	.	.	PUNCT
fsr-3455	263	1	references	reference	NOUN
fsr-3455	263	2	al	al	PROPN
fsr-3455	263	3	-	-	PUNCT
fsr-3455	263	4	bahrani	bahrani	PROPN
fsr-3455	263	5	,	,	PUNCT
fsr-3455	263	6	a.	a.	NOUN
fsr-3455	263	7	,	,	PUNCT
fsr-3455	263	8	weathers	weather	NOUN
fsr-3455	263	9	,	,	PUNCT
fsr-3455	263	10	j.	j.	PROPN
fsr-3455	263	11	,	,	PUNCT
fsr-3455	263	12	&	&	CCONJ
fsr-3455	263	13	patel	patel	PROPN
fsr-3455	263	14	,	,	PUNCT
fsr-3455	263	15	d.	d.	PROPN
fsr-3455	263	16	(	(	PUNCT
fsr-3455	263	17	2019	2019	NUM
fsr-3455	263	18	)	)	PUNCT
fsr-3455	263	19	.	.	PUNCT
fsr-3455	264	1	racial	racial	ADJ
fsr-3455	264	2	differences	difference	NOUN
fsr-3455	264	3	in	in	ADP
fsr-3455	264	4	the	the	DET
fsr-3455	264	5	returns	return	NOUN
fsr-3455	264	6	to	to	ADP
fsr-3455	264	7	financial	financial	ADJ
fsr-3455	264	8	literacy	literacy	NOUN
fsr-3455	264	9	education	education	NOUN
fsr-3455	264	10	.	.	PUNCT
fsr-3455	265	1	journal	journal	NOUN
fsr-3455	265	2	of	of	ADP
fsr-3455	265	3	consumer	consumer	NOUN
fsr-3455	265	4	affairs	affair	NOUN
fsr-3455	265	5	,	,	PUNCT
fsr-3455	265	6	53	53	NUM
fsr-3455	265	7	,	,	PUNCT
fsr-3455	265	8	572–599	572–599	NUM
fsr-3455	265	9	.	.	PUNCT
fsr-3455	266	1	alhenawi	alhenawi	PROPN
fsr-3455	266	2	,	,	PUNCT
fsr-3455	266	3	y.	y.	PROPN
fsr-3455	266	4	,	,	PUNCT
fsr-3455	266	5	&	&	CCONJ
fsr-3455	266	6	elkhal	elkhal	PROPN
fsr-3455	266	7	,	,	PUNCT
fsr-3455	266	8	k.	k.	PROPN
fsr-3455	266	9	(	(	PUNCT
fsr-3455	266	10	2013	2013	NUM
fsr-3455	266	11	)	)	PUNCT
fsr-3455	266	12	.	.	PUNCT
fsr-3455	267	1	financial	financial	ADJ
fsr-3455	267	2	literacy	literacy	NOUN
fsr-3455	267	3	of	of	ADP
fsr-3455	267	4	us	we	PRON
fsr-3455	267	5	households	household	NOUN
fsr-3455	267	6	:	:	PUNCT
fsr-3455	267	7	knowledge	knowledge	NOUN
fsr-3455	267	8	vs.	vs.	ADP
fsr-3455	267	9	long	long	ADJ
fsr-3455	267	10	-	-	PUNCT
fsr-3455	267	11	term	term	NOUN
fsr-3455	267	12	financial	financial	ADJ
fsr-3455	267	13	planning	planning	NOUN
fsr-3455	267	14	.	.	PUNCT
fsr-3455	268	1	financial	financial	ADJ
fsr-3455	268	2	services	service	NOUN
fsr-3455	268	3	review	review	PROPN
fsr-3455	268	4	,	,	PUNCT
fsr-3455	268	5	22	22	NUM
fsr-3455	268	6	,	,	PUNCT
fsr-3455	268	7	211–245	211–245	NUM
fsr-3455	268	8	.	.	PUNCT
fsr-3455	269	1	alliman	alliman	NOUN
fsr-3455	269	2	-	-	PUNCT
fsr-3455	269	3	brissett	brissett	PROPN
fsr-3455	269	4	,	,	PUNCT
fsr-3455	269	5	a.	a.	PROPN
fsr-3455	269	6	e.	e.	PROPN
fsr-3455	269	7	,	,	PUNCT
fsr-3455	269	8	&	&	CCONJ
fsr-3455	269	9	turner	turner	PROPN
fsr-3455	269	10	,	,	PUNCT
fsr-3455	269	11	s.	s.	PROPN
fsr-3455	269	12	l.	l.	PROPN
fsr-3455	269	13	(	(	PUNCT
fsr-3455	269	14	2010	2010	NUM
fsr-3455	269	15	)	)	PUNCT
fsr-3455	269	16	.	.	PUNCT
fsr-3455	270	1	racism	racism	NOUN
fsr-3455	270	2	,	,	PUNCT
fsr-3455	270	3	parent	parent	NOUN
fsr-3455	270	4	support	support	NOUN
fsr-3455	270	5	,	,	PUNCT
fsr-3455	270	6	and	and	CCONJ
fsr-3455	270	7	math	math	NOUN
fsr-3455	270	8	-	-	PUNCT
fsr-3455	270	9	based	base	VERB
fsr-3455	270	10	career	career	NOUN
fsr-3455	270	11	interests	interest	NOUN
fsr-3455	270	12	,	,	PUNCT
fsr-3455	270	13	efficacy	efficacy	NOUN
fsr-3455	270	14	,	,	PUNCT
fsr-3455	270	15	and	and	CCONJ
fsr-3455	270	16	outcome	outcome	VERB
fsr-3455	270	17	expectations	expectation	NOUN
fsr-3455	270	18	among	among	ADP
fsr-3455	270	19	african	african	ADJ
fsr-3455	270	20	american	american	ADJ
fsr-3455	270	21	adolescents	adolescent	NOUN
fsr-3455	270	22	.	.	PUNCT
fsr-3455	271	1	journal	journal	PROPN
fsr-3455	271	2	of	of	ADP
fsr-3455	271	3	black	black	ADJ
fsr-3455	271	4	psychology	psychology	NOUN
fsr-3455	271	5	,	,	PUNCT
fsr-3455	271	6	36	36	NUM
fsr-3455	271	7	,	,	PUNCT
fsr-3455	271	8	197–225	197–225	NUM
fsr-3455	271	9	.	.	PUNCT
fsr-3455	272	1	appendix	appendix	VERB
fsr-3455	272	2	a	a	DET
fsr-3455	272	3	financial	financial	ADJ
fsr-3455	272	4	knowledge	knowledge	NOUN
fsr-3455	272	5	items	item	NOUN
fsr-3455	272	6	financial	financial	ADJ
fsr-3455	272	7	knowledge	knowledge	NOUN
fsr-3455	272	8	questions	question	NOUN
fsr-3455	272	9	scale	scale	NOUN
fsr-3455	272	10	(	(	PUNCT
fsr-3455	272	11	1	1	X
fsr-3455	272	12	)	)	PUNCT
fsr-3455	272	13	imagine	imagine	VERB
fsr-3455	272	14	that	that	SCONJ
fsr-3455	272	15	the	the	DET
fsr-3455	272	16	interest	interest	NOUN
fsr-3455	272	17	rate	rate	NOUN
fsr-3455	272	18	on	on	ADP
fsr-3455	272	19	your	your	PRON
fsr-3455	272	20	savings	savings	NOUN
fsr-3455	272	21	account	account	NOUN
fsr-3455	272	22	is	be	AUX
fsr-3455	272	23	1	1	NUM
fsr-3455	272	24	%	%	NOUN
fsr-3455	272	25	per	per	ADP
fsr-3455	272	26	year	year	NOUN
fsr-3455	272	27	and	and	CCONJ
fsr-3455	272	28	inflation	inflation	NOUN
fsr-3455	272	29	is	be	AUX
fsr-3455	272	30	2	2	NUM
fsr-3455	272	31	%	%	NOUN
fsr-3455	272	32	per	per	ADP
fsr-3455	272	33	year	year	NOUN
fsr-3455	272	34	.	.	PUNCT
fsr-3455	273	1	after	after	ADP
fsr-3455	273	2	1	1	NUM
fsr-3455	273	3	year	year	NOUN
fsr-3455	273	4	,	,	PUNCT
fsr-3455	273	5	would	would	AUX
fsr-3455	273	6	you	you	PRON
fsr-3455	273	7	be	be	AUX
fsr-3455	273	8	able	able	ADJ
fsr-3455	273	9	to	to	PART
fsr-3455	273	10	buy	buy	VERB
fsr-3455	273	11	more	more	ADJ
fsr-3455	273	12	than	than	ADP
fsr-3455	273	13	today	today	NOUN
fsr-3455	273	14	,	,	PUNCT
fsr-3455	273	15	exactly	exactly	ADV
fsr-3455	273	16	the	the	DET
fsr-3455	273	17	same	same	ADJ
fsr-3455	273	18	as	as	ADP
fsr-3455	273	19	today	today	NOUN
fsr-3455	273	20	,	,	PUNCT
fsr-3455	273	21	or	or	CCONJ
fsr-3455	273	22	less	less	ADJ
fsr-3455	273	23	than	than	ADP
fsr-3455	273	24	today	today	NOUN
fsr-3455	273	25	with	with	ADP
fsr-3455	273	26	the	the	DET
fsr-3455	273	27	money	money	NOUN
fsr-3455	273	28	in	in	ADP
fsr-3455	273	29	this	this	DET
fsr-3455	273	30	account	account	NOUN
fsr-3455	273	31	?	?	PUNCT
fsr-3455	274	1	1	1	NUM
fsr-3455	274	2	=	=	SYM
fsr-3455	274	3	more	more	ADJ
fsr-3455	274	4	than	than	ADP
fsr-3455	274	5	today	today	NOUN
fsr-3455	274	6	2	2	NUM
fsr-3455	274	7	=	=	SYM
fsr-3455	274	8	exactly	exactly	ADV
fsr-3455	274	9	the	the	DET
fsr-3455	274	10	same	same	ADJ
fsr-3455	274	11	as	as	ADP
fsr-3455	274	12	today	today	NOUN
fsr-3455	274	13	3	3	NUM
fsr-3455	274	14	=	=	SYM
fsr-3455	274	15	less	less	ADJ
fsr-3455	274	16	than	than	ADP
fsr-3455	274	17	today	today	NOUN
fsr-3455	274	18	4	4	NUM
fsr-3455	274	19	=	=	PRON
fsr-3455	274	20	do	do	AUX
fsr-3455	274	21	n’t	not	PART
fsr-3455	274	22	know	know	VERB
fsr-3455	274	23	(	(	PUNCT
fsr-3455	274	24	2	2	X
fsr-3455	274	25	)	)	PUNCT
fsr-3455	274	26	suppose	suppose	VERB
fsr-3455	274	27	you	you	PRON
fsr-3455	274	28	have	have	VERB
fsr-3455	274	29	$	$	SYM
fsr-3455	274	30	100	100	NUM
fsr-3455	274	31	in	in	ADP
fsr-3455	274	32	a	a	DET
fsr-3455	274	33	savings	saving	NOUN
fsr-3455	274	34	account	account	NOUN
fsr-3455	274	35	and	and	CCONJ
fsr-3455	274	36	the	the	DET
fsr-3455	274	37	interest	interest	NOUN
fsr-3455	274	38	rate	rate	NOUN
fsr-3455	274	39	was	be	AUX
fsr-3455	274	40	2	2	NUM
fsr-3455	274	41	%	%	NOUN
fsr-3455	274	42	per	per	ADP
fsr-3455	274	43	year	year	NOUN
fsr-3455	274	44	.	.	PUNCT
fsr-3455	275	1	after	after	ADP
fsr-3455	275	2	5	5	NUM
fsr-3455	275	3	years	year	NOUN
fsr-3455	275	4	,	,	PUNCT
fsr-3455	275	5	how	how	SCONJ
fsr-3455	275	6	much	much	ADJ
fsr-3455	275	7	would	would	AUX
fsr-3455	275	8	you	you	PRON
fsr-3455	275	9	have	have	VERB
fsr-3455	275	10	in	in	ADP
fsr-3455	275	11	the	the	DET
fsr-3455	275	12	account	account	NOUN
fsr-3455	275	13	if	if	SCONJ
fsr-3455	275	14	you	you	PRON
fsr-3455	275	15	left	leave	VERB
fsr-3455	275	16	the	the	DET
fsr-3455	275	17	money	money	NOUN
fsr-3455	275	18	to	to	PART
fsr-3455	275	19	grow	grow	VERB
fsr-3455	275	20	?	?	PUNCT
fsr-3455	276	1	1	1	NUM
fsr-3455	276	2	=	=	SYM
fsr-3455	276	3	more	more	ADJ
fsr-3455	276	4	than	than	ADP
fsr-3455	276	5	$	$	SYM
fsr-3455	276	6	102	102	NUM
fsr-3455	276	7	2	2	NUM
fsr-3455	276	8	=	=	SYM
fsr-3455	276	9	exactly	exactly	ADV
fsr-3455	276	10	$	$	SYM
fsr-3455	276	11	102	102	NUM
fsr-3455	276	12	3	3	NUM
fsr-3455	276	13	=	=	SYM
fsr-3455	276	14	less	less	ADJ
fsr-3455	276	15	than	than	ADP
fsr-3455	276	16	$	$	SYM
fsr-3455	276	17	102	102	NUM
fsr-3455	276	18	4	4	NUM
fsr-3455	276	19	=	=	PRON
fsr-3455	276	20	do	do	AUX
fsr-3455	276	21	n’t	not	PART
fsr-3455	276	22	know	know	VERB
fsr-3455	276	23	(	(	PUNCT
fsr-3455	276	24	3	3	X
fsr-3455	276	25	)	)	PUNCT
fsr-3455	276	26	suppose	suppose	VERB
fsr-3455	276	27	you	you	PRON
fsr-3455	276	28	borrowed	borrow	VERB
fsr-3455	276	29	$	$	SYM
fsr-3455	276	30	5,000	5,000	NUM
fsr-3455	276	31	to	to	PART
fsr-3455	276	32	help	help	VERB
fsr-3455	276	33	cover	cover	VERB
fsr-3455	276	34	college	college	NOUN
fsr-3455	276	35	expenses	expense	NOUN
fsr-3455	276	36	for	for	ADP
fsr-3455	276	37	the	the	DET
fsr-3455	276	38	coming	come	VERB
fsr-3455	276	39	year	year	NOUN
fsr-3455	276	40	.	.	PUNCT
fsr-3455	277	1	you	you	PRON
fsr-3455	277	2	can	can	AUX
fsr-3455	277	3	choose	choose	VERB
fsr-3455	277	4	to	to	PART
fsr-3455	277	5	repay	repay	VERB
fsr-3455	277	6	this	this	DET
fsr-3455	277	7	loan	loan	NOUN
fsr-3455	277	8	over	over	ADP
fsr-3455	277	9	10	10	NUM
fsr-3455	277	10	years	year	NOUN
fsr-3455	277	11	,	,	PUNCT
fsr-3455	277	12	20	20	NUM
fsr-3455	277	13	years	year	NOUN
fsr-3455	277	14	,	,	PUNCT
fsr-3455	277	15	or	or	CCONJ
fsr-3455	277	16	30	30	NUM
fsr-3455	277	17	years	year	NOUN
fsr-3455	277	18	.	.	PUNCT
fsr-3455	278	1	which	which	PRON
fsr-3455	278	2	of	of	ADP
fsr-3455	278	3	these	these	DET
fsr-3455	278	4	repayment	repayment	NOUN
fsr-3455	278	5	options	option	NOUN
fsr-3455	278	6	will	will	AUX
fsr-3455	278	7	cost	cost	VERB
fsr-3455	278	8	you	you	PRON
fsr-3455	278	9	the	the	DET
fsr-3455	278	10	least	least	ADJ
fsr-3455	278	11	amount	amount	NOUN
fsr-3455	278	12	of	of	ADP
fsr-3455	278	13	money	money	NOUN
fsr-3455	278	14	over	over	ADP
fsr-3455	278	15	the	the	DET
fsr-3455	278	16	length	length	NOUN
fsr-3455	278	17	of	of	ADP
fsr-3455	278	18	the	the	DET
fsr-3455	278	19	repayment	repayment	NOUN
fsr-3455	278	20	period	period	NOUN
fsr-3455	278	21	?	?	PUNCT
fsr-3455	279	1	1	1	NUM
fsr-3455	279	2	=	=	SYM
fsr-3455	279	3	10	10	NUM
fsr-3455	279	4	-	-	PUNCT
fsr-3455	279	5	year	year	NOUN
fsr-3455	279	6	repayment	repayment	NOUN
fsr-3455	279	7	option	option	NOUN
fsr-3455	279	8	2	2	NUM
fsr-3455	279	9	=	=	SYM
fsr-3455	279	10	20	20	NUM
fsr-3455	279	11	-	-	PUNCT
fsr-3455	279	12	year	year	NOUN
fsr-3455	279	13	repayment	repayment	NOUN
fsr-3455	279	14	option	option	NOUN
fsr-3455	279	15	3	3	NUM
fsr-3455	279	16	=	=	SYM
fsr-3455	279	17	30	30	NUM
fsr-3455	279	18	-	-	PUNCT
fsr-3455	279	19	year	year	NOUN
fsr-3455	279	20	repayment	repayment	NOUN
fsr-3455	279	21	option	option	NOUN
fsr-3455	279	22	4	4	NUM
fsr-3455	279	23	=	=	SYM
fsr-3455	279	24	do	do	AUX
fsr-3455	279	25	n’t	not	PART
fsr-3455	279	26	know	know	VERB
fsr-3455	279	27	182	182	NUM
fsr-3455	279	28	k.	k.	PROPN
fsr-3455	279	29	white	white	PROPN
fsr-3455	279	30	et	et	PROPN
fsr-3455	279	31	al	al	PROPN
fsr-3455	279	32	.	.	PUNCT
fsr-3455	280	1	/	/	SYM
fsr-3455	280	2	financial	financial	ADJ
fsr-3455	280	3	services	service	NOUN
fsr-3455	280	4	review	review	VERB
fsr-3455	280	5	29	29	NUM
fsr-3455	280	6	(	(	PUNCT
fsr-3455	280	7	2021	2021	NUM
fsr-3455	280	8	)	)	PUNCT
fsr-3455	281	1	169–185	169–185	NUM
fsr-3455	281	2	almenberg	almenberg	PROPN
fsr-3455	281	3	,	,	PUNCT
fsr-3455	281	4	j.	j.	PROPN
fsr-3455	281	5	,	,	PUNCT
fsr-3455	281	6	&	&	CCONJ
fsr-3455	281	7	widmark	widmark	PROPN
fsr-3455	281	8	,	,	PUNCT
fsr-3455	281	9	o.	o.	NOUN
fsr-3455	281	10	(	(	PUNCT
fsr-3455	281	11	2011	2011	NUM
fsr-3455	281	12	)	)	PUNCT
fsr-3455	281	13	.	.	PUNCT
fsr-3455	282	1	numeracy	numeracy	NOUN
fsr-3455	282	2	,	,	PUNCT
fsr-3455	282	3	financial	financial	ADJ
fsr-3455	282	4	literacy	literacy	NOUN
fsr-3455	282	5	and	and	CCONJ
fsr-3455	282	6	participation	participation	NOUN
fsr-3455	282	7	in	in	ADP
fsr-3455	282	8	asset	asset	NOUN
fsr-3455	282	9	nmarkets	nmarket	NOUN
fsr-3455	282	10	.	.	PUNCT
fsr-3455	283	1	available	available	ADJ
fsr-3455	283	2	at	at	ADP
fsr-3455	283	3	ssrn	ssrn	PROPN
fsr-3455	283	4	.	.	PUNCT
fsr-3455	284	1	amatucci	amatucci	PROPN
fsr-3455	284	2	,	,	PUNCT
fsr-3455	284	3	f.	f.	PROPN
fsr-3455	284	4	m.	m.	PROPN
fsr-3455	284	5	,	,	PUNCT
fsr-3455	284	6	&	&	CCONJ
fsr-3455	284	7	crawley	crawley	PROPN
fsr-3455	284	8	,	,	PUNCT
fsr-3455	284	9	d.	d.	PROPN
fsr-3455	284	10	c.	c.	PROPN
fsr-3455	284	11	(	(	PUNCT
fsr-3455	284	12	2011	2011	NUM
fsr-3455	284	13	)	)	PUNCT
fsr-3455	284	14	.	.	PUNCT
fsr-3455	285	1	financial	financial	ADJ
fsr-3455	285	2	self	self	NOUN
fsr-3455	285	3	-	-	PUNCT
fsr-3455	285	4	efficacy	efficacy	NOUN
fsr-3455	285	5	among	among	ADP
fsr-3455	285	6	women	woman	NOUN
fsr-3455	285	7	entrepreneurs	entrepreneur	NOUN
fsr-3455	285	8	.	.	PUNCT
fsr-3455	286	1	international	international	ADJ
fsr-3455	286	2	journal	journal	PROPN
fsr-3455	286	3	of	of	ADP
fsr-3455	286	4	gender	gender	NOUN
fsr-3455	286	5	and	and	CCONJ
fsr-3455	286	6	entrepreneurship	entrepreneurship	NOUN
fsr-3455	286	7	,	,	PUNCT
fsr-3455	286	8	3	3	NUM
fsr-3455	286	9	,	,	PUNCT
fsr-3455	286	10	23–37	23–37	NOUN
fsr-3455	286	11	.	.	PUNCT
fsr-3455	287	1	angrisani	angrisani	PROPN
fsr-3455	287	2	,	,	PUNCT
fsr-3455	287	3	m.	m.	NOUN
fsr-3455	287	4	,	,	PUNCT
fsr-3455	287	5	&	&	CCONJ
fsr-3455	287	6	casanova	casanova	PROPN
fsr-3455	287	7	,	,	PUNCT
fsr-3455	287	8	m.	m.	NOUN
fsr-3455	287	9	(	(	PUNCT
fsr-3455	287	10	2019	2019	NUM
fsr-3455	287	11	)	)	PUNCT
fsr-3455	287	12	.	.	PUNCT
fsr-3455	288	1	what	what	PRON
fsr-3455	288	2	you	you	PRON
fsr-3455	288	3	think	think	VERB
fsr-3455	288	4	you	you	PRON
fsr-3455	288	5	know	know	VERB
fsr-3455	288	6	can	can	AUX
fsr-3455	288	7	hurt	hurt	VERB
fsr-3455	288	8	you	you	PRON
fsr-3455	288	9	:	:	PUNCT
fsr-3455	288	10	under	under	ADP
fsr-3455	288	11	/	/	SYM
fsr-3455	288	12	over	over	ADP
fsr-3455	288	13	confidence	confidence	NOUN
fsr-3455	288	14	in	in	ADP
fsr-3455	288	15	financial	financial	ADJ
fsr-3455	288	16	knowledge	knowledge	NOUN
fsr-3455	288	17	and	and	CCONJ
fsr-3455	288	18	preparedness	preparedness	NOUN
fsr-3455	288	19	for	for	ADP
fsr-3455	288	20	retirement	retirement	NOUN
fsr-3455	288	21	.	.	PUNCT
fsr-3455	289	1	journal	journal	PROPN
fsr-3455	289	2	of	of	ADP
fsr-3455	289	3	pension	pension	NOUN
fsr-3455	289	4	economics	economic	NOUN
fsr-3455	289	5	and	and	CCONJ
fsr-3455	289	6	finance	finance	NOUN
fsr-3455	289	7	,	,	PUNCT
fsr-3455	289	8	1–16	1–16	PROPN
fsr-3455	289	9	.	.	PUNCT
fsr-3455	290	1	asaad	asaad	PROPN
fsr-3455	290	2	,	,	PUNCT
fsr-3455	290	3	c.	c.	PROPN
fsr-3455	290	4	t.	t.	PROPN
fsr-3455	290	5	(	(	PUNCT
fsr-3455	290	6	2015	2015	NUM
fsr-3455	290	7	)	)	PUNCT
fsr-3455	290	8	.	.	PUNCT
fsr-3455	291	1	financial	financial	ADJ
fsr-3455	291	2	literacy	literacy	NOUN
fsr-3455	291	3	and	and	CCONJ
fsr-3455	291	4	financial	financial	ADJ
fsr-3455	291	5	behavior	behavior	NOUN
fsr-3455	291	6	:	:	PUNCT
fsr-3455	291	7	assessing	assess	VERB
fsr-3455	291	8	knowledge	knowledge	NOUN
fsr-3455	291	9	and	and	CCONJ
fsr-3455	291	10	confidence	confidence	NOUN
fsr-3455	291	11	.	.	PUNCT
fsr-3455	292	1	financial	financial	ADJ
fsr-3455	292	2	services	service	NOUN
fsr-3455	292	3	review	review	PROPN
fsr-3455	292	4	,	,	PUNCT
fsr-3455	292	5	24	24	NUM
fsr-3455	292	6	,	,	PUNCT
fsr-3455	292	7	101–118	101–118	NUM
fsr-3455	292	8	.	.	PUNCT
fsr-3455	293	1	asebedo	asebedo	PROPN
fsr-3455	293	2	,	,	PUNCT
fsr-3455	293	3	s.	s.	PROPN
fsr-3455	293	4	,	,	PUNCT
fsr-3455	293	5	&	&	CCONJ
fsr-3455	293	6	seay	seay	ADJ
fsr-3455	293	7	,	,	PUNCT
fsr-3455	293	8	m.	m.	NOUN
fsr-3455	293	9	(	(	PUNCT
fsr-3455	293	10	2018	2018	NUM
fsr-3455	293	11	)	)	PUNCT
fsr-3455	293	12	.	.	PUNCT
fsr-3455	294	1	financial	financial	ADJ
fsr-3455	294	2	self	self	NOUN
fsr-3455	294	3	-	-	PUNCT
fsr-3455	294	4	efficacy	efficacy	NOUN
fsr-3455	294	5	beliefs	belief	NOUN
fsr-3455	294	6	and	and	CCONJ
fsr-3455	294	7	the	the	DET
fsr-3455	294	8	saving	save	VERB
fsr-3455	294	9	behavior	behavior	NOUN
fsr-3455	294	10	of	of	ADP
fsr-3455	294	11	older	old	ADJ
fsr-3455	294	12	pre	pre	NOUN
fsr-3455	294	13	-	-	NOUN
fsr-3455	294	14	retirees	retiree	NOUN
fsr-3455	294	15	.	.	PUNCT
fsr-3455	295	1	journal	journal	PROPN
fsr-3455	295	2	of	of	ADP
fsr-3455	295	3	financial	financial	ADJ
fsr-3455	295	4	counseling	counseling	NOUN
fsr-3455	295	5	and	and	CCONJ
fsr-3455	295	6	planning	planning	NOUN
fsr-3455	295	7	,	,	PUNCT
fsr-3455	295	8	29	29	NUM
fsr-3455	295	9	,	,	PUNCT
fsr-3455	295	10	357–368	357–368	NUM
fsr-3455	295	11	.	.	PUNCT
fsr-3455	296	1	atlas	atlas	PROPN
fsr-3455	296	2	,	,	PUNCT
fsr-3455	296	3	s.	s.	PROPN
fsr-3455	296	4	a.	a.	PROPN
fsr-3455	296	5	,	,	PUNCT
fsr-3455	296	6	lu	lu	PROPN
fsr-3455	296	7	,	,	PUNCT
fsr-3455	296	8	j.	j.	PROPN
fsr-3455	296	9	,	,	PUNCT
fsr-3455	296	10	micu	micu	PROPN
fsr-3455	296	11	,	,	PUNCT
fsr-3455	296	12	p.	p.	PROPN
fsr-3455	296	13	d.	d.	PROPN
fsr-3455	296	14	,	,	PUNCT
fsr-3455	296	15	&	&	CCONJ
fsr-3455	296	16	porto	porto	PROPN
fsr-3455	296	17	,	,	PUNCT
fsr-3455	296	18	n.	n.	NOUN
fsr-3455	296	19	(	(	PUNCT
fsr-3455	296	20	2019	2019	NUM
fsr-3455	296	21	)	)	PUNCT
fsr-3455	296	22	.	.	PUNCT
fsr-3455	297	1	financial	financial	ADJ
fsr-3455	297	2	knowledge	knowledge	NOUN
fsr-3455	297	3	,	,	PUNCT
fsr-3455	297	4	confidence	confidence	NOUN
fsr-3455	297	5	,	,	PUNCT
fsr-3455	297	6	credit	credit	NOUN
fsr-3455	297	7	use	use	NOUN
fsr-3455	297	8	,	,	PUNCT
fsr-3455	297	9	and	and	CCONJ
fsr-3455	297	10	financial	financial	ADJ
fsr-3455	297	11	satisfaction	satisfaction	NOUN
fsr-3455	297	12	.	.	PUNCT
fsr-3455	298	1	journal	journal	NOUN
fsr-3455	298	2	of	of	ADP
fsr-3455	298	3	financial	financial	ADJ
fsr-3455	298	4	counseling	counseling	NOUN
fsr-3455	298	5	and	and	CCONJ
fsr-3455	298	6	planning	planning	NOUN
fsr-3455	298	7	,	,	PUNCT
fsr-3455	298	8	30	30	NUM
fsr-3455	298	9	,	,	PUNCT
fsr-3455	298	10	175–190	175–190	NUM
fsr-3455	298	11	.	.	PUNCT
fsr-3455	299	1	bandura	bandura	NOUN
fsr-3455	299	2	,	,	PUNCT
fsr-3455	299	3	a.	a.	NOUN
fsr-3455	299	4	(	(	PUNCT
fsr-3455	299	5	1977	1977	NUM
fsr-3455	299	6	)	)	PUNCT
fsr-3455	299	7	.	.	PUNCT
fsr-3455	300	1	self	self	NOUN
fsr-3455	300	2	-	-	PUNCT
fsr-3455	300	3	efficacy	efficacy	NOUN
fsr-3455	300	4	:	:	PUNCT
fsr-3455	300	5	toward	toward	ADP
fsr-3455	300	6	a	a	DET
fsr-3455	300	7	unifying	unifying	ADJ
fsr-3455	300	8	theory	theory	NOUN
fsr-3455	300	9	of	of	ADP
fsr-3455	300	10	behavioral	behavioral	ADJ
fsr-3455	300	11	change	change	NOUN
fsr-3455	300	12	.	.	PUNCT
fsr-3455	301	1	psychological	psychological	ADJ
fsr-3455	301	2	review	review	NOUN
fsr-3455	301	3	,	,	PUNCT
fsr-3455	301	4	84	84	NUM
fsr-3455	301	5	,	,	PUNCT
fsr-3455	301	6	191–215	191–215	NUM
fsr-3455	301	7	.	.	PUNCT
fsr-3455	301	8	bandura	bandura	NOUN
fsr-3455	301	9	,	,	PUNCT
fsr-3455	301	10	a.	a.	NOUN
fsr-3455	301	11	(	(	PUNCT
fsr-3455	301	12	1994	1994	NUM
fsr-3455	301	13	)	)	PUNCT
fsr-3455	301	14	.	.	PUNCT
fsr-3455	302	1	self	self	NOUN
fsr-3455	302	2	-	-	PUNCT
fsr-3455	302	3	efficacy	efficacy	NOUN
fsr-3455	302	4	.	.	PUNCT
fsr-3455	303	1	in	in	ADP
fsr-3455	303	2	v.	v.	PROPN
fsr-3455	303	3	s.	s.	PROPN
fsr-3455	303	4	ramachaudran	ramachaudran	PROPN
fsr-3455	303	5	(	(	PUNCT
fsr-3455	303	6	ed	ed	NOUN
fsr-3455	303	7	.	.	PUNCT
fsr-3455	303	8	)	)	PUNCT
fsr-3455	303	9	,	,	PUNCT
fsr-3455	303	10	encyclopedia	encyclopedia	NOUN
fsr-3455	303	11	of	of	ADP
fsr-3455	303	12	human	human	ADJ
fsr-3455	303	13	behavior	behavior	NOUN
fsr-3455	303	14	(	(	PUNCT
fsr-3455	303	15	vol	vol	NOUN
fsr-3455	303	16	.	.	NOUN
fsr-3455	303	17	4	4	NUM
fsr-3455	303	18	,	,	PUNCT
fsr-3455	303	19	pp	pp	ADJ
fsr-3455	303	20	.	.	PUNCT
fsr-3455	304	1	71–81	71–81	NUM
fsr-3455	304	2	)	)	PUNCT
fsr-3455	304	3	.	.	PUNCT
fsr-3455	305	1	san	san	PROPN
fsr-3455	305	2	diego	diego	PROPN
fsr-3455	305	3	,	,	PUNCT
fsr-3455	305	4	ca	ca	NOUN
fsr-3455	305	5	:	:	PUNCT
fsr-3455	305	6	academic	academic	ADJ
fsr-3455	305	7	press	press	NOUN
fsr-3455	305	8	.	.	PUNCT
fsr-3455	306	1	bandura	bandura	NOUN
fsr-3455	306	2	,	,	PUNCT
fsr-3455	306	3	a.	a.	NOUN
fsr-3455	306	4	(	(	PUNCT
fsr-3455	306	5	1997	1997	NUM
fsr-3455	306	6	)	)	PUNCT
fsr-3455	306	7	.	.	PUNCT
fsr-3455	307	1	self	self	NOUN
fsr-3455	307	2	-	-	PUNCT
fsr-3455	307	3	efficacy	efficacy	NOUN
fsr-3455	307	4	:	:	PUNCT
fsr-3455	307	5	the	the	DET
fsr-3455	307	6	exercise	exercise	NOUN
fsr-3455	307	7	of	of	ADP
fsr-3455	307	8	control.w	control.w	PROPN
fsr-3455	307	9	h	h	NOUN
fsr-3455	307	10	freeman	freeman	PROPN
fsr-3455	307	11	/	/	SYM
fsr-3455	307	12	times	times	PROPN
fsr-3455	307	13	books/	books/	PROPN
fsr-3455	307	14	henry	henry	PROPN
fsr-3455	307	15	holt	holt	PROPN
fsr-3455	307	16	&	&	CCONJ
fsr-3455	307	17	co.	co.	PROPN
fsr-3455	307	18	bandura	bandura	PROPN
fsr-3455	307	19	,	,	PUNCT
fsr-3455	307	20	a.	a.	NOUN
fsr-3455	307	21	(	(	PUNCT
fsr-3455	307	22	2006).guide	2006).guide	NUM
fsr-3455	307	23	for	for	ADP
fsr-3455	307	24	constructing	construct	VERB
fsr-3455	307	25	self	self	NOUN
fsr-3455	307	26	-	-	PUNCT
fsr-3455	307	27	efficacy	efficacy	NOUN
fsr-3455	307	28	scales	scale	NOUN
fsr-3455	307	29	.	.	PUNCT
fsr-3455	308	1	in	in	ADP
fsr-3455	308	2	t.	t.	PROPN
fsr-3455	308	3	urdan	urdan	PROPN
fsr-3455	308	4	&	&	CCONJ
fsr-3455	308	5	f.	f.	PROPN
fsr-3455	308	6	pajares	pajares	PROPN
fsr-3455	308	7	(	(	PUNCT
fsr-3455	308	8	eds	ed	NOUN
fsr-3455	308	9	.	.	PUNCT
fsr-3455	308	10	)	)	PUNCT
fsr-3455	308	11	,	,	PUNCT
fsr-3455	308	12	self	self	NOUN
fsr-3455	308	13	-	-	PUNCT
fsr-3455	308	14	efficacy	efficacy	NOUN
fsr-3455	308	15	beliefs	belief	NOUN
fsr-3455	308	16	of	of	ADP
fsr-3455	308	17	adolescents	adolescent	NOUN
fsr-3455	308	18	(	(	PUNCT
fsr-3455	308	19	pp	pp	ADJ
fsr-3455	308	20	.	.	PUNCT
fsr-3455	308	21	107–123	107–123	NUM
fsr-3455	308	22	)	)	PUNCT
fsr-3455	308	23	.	.	PUNCT
fsr-3455	309	1	charlotte	charlotte	PROPN
fsr-3455	309	2	,	,	PUNCT
fsr-3455	309	3	nc	nc	PROPN
fsr-3455	309	4	:	:	PUNCT
fsr-3455	309	5	information	information	NOUN
fsr-3455	309	6	age	age	NOUN
fsr-3455	309	7	publishing	publishing	NOUN
fsr-3455	309	8	.	.	PUNCT
fsr-3455	310	1	bapat	bapat	PROPN
fsr-3455	310	2	,	,	PUNCT
fsr-3455	310	3	d.	d.	PROPN
fsr-3455	310	4	(	(	PUNCT
fsr-3455	310	5	2019	2019	NUM
fsr-3455	310	6	)	)	PUNCT
fsr-3455	310	7	.	.	PUNCT
fsr-3455	311	1	exploring	explore	VERB
fsr-3455	311	2	antecedents	antecedent	NOUN
fsr-3455	311	3	to	to	ADP
fsr-3455	311	4	financial	financial	ADJ
fsr-3455	311	5	management	management	NOUN
fsr-3455	311	6	behavior	behavior	NOUN
fsr-3455	311	7	for	for	ADP
fsr-3455	311	8	young	young	ADJ
fsr-3455	311	9	adults	adult	NOUN
fsr-3455	311	10	.	.	PUNCT
fsr-3455	312	1	journal	journal	NOUN
fsr-3455	312	2	of	of	ADP
fsr-3455	312	3	financial	financial	ADJ
fsr-3455	312	4	counseling	counseling	NOUN
fsr-3455	312	5	and	and	CCONJ
fsr-3455	312	6	planning	planning	NOUN
fsr-3455	312	7	,	,	PUNCT
fsr-3455	312	8	30	30	NUM
fsr-3455	312	9	,	,	PUNCT
fsr-3455	312	10	44–55	44–55	NUM
fsr-3455	312	11	.	.	PUNCT
fsr-3455	313	1	bollen	bollen	PROPN
fsr-3455	313	2	,	,	PUNCT
fsr-3455	313	3	k.	k.	PROPN
fsr-3455	313	4	a.	a.	PROPN
fsr-3455	313	5	(	(	PUNCT
fsr-3455	313	6	1989	1989	NUM
fsr-3455	313	7	)	)	PUNCT
fsr-3455	313	8	.	.	PUNCT
fsr-3455	314	1	a	a	DET
fsr-3455	314	2	new	new	ADJ
fsr-3455	314	3	incremental	incremental	ADJ
fsr-3455	314	4	fit	fit	ADJ
fsr-3455	314	5	index	index	NOUN
fsr-3455	314	6	for	for	ADP
fsr-3455	314	7	general	general	ADJ
fsr-3455	314	8	structural	structural	ADJ
fsr-3455	314	9	equation	equation	NOUN
fsr-3455	314	10	models	model	NOUN
fsr-3455	314	11	.	.	PUNCT
fsr-3455	315	1	sociological	sociological	ADJ
fsr-3455	315	2	methods	method	NOUN
fsr-3455	315	3	&	&	CCONJ
fsr-3455	315	4	research	research	PROPN
fsr-3455	315	5	,	,	PUNCT
fsr-3455	315	6	17	17	NUM
fsr-3455	315	7	,	,	PUNCT
fsr-3455	315	8	303–316	303–316	NUM
fsr-3455	315	9	.	.	PUNCT
fsr-3455	316	1	breitbach	breitbach	PROPN
fsr-3455	316	2	,	,	PUNCT
fsr-3455	316	3	e.	e.	PROPN
fsr-3455	316	4	,	,	PUNCT
fsr-3455	316	5	&	&	CCONJ
fsr-3455	316	6	walstad	walstad	PROPN
fsr-3455	316	7	,	,	PUNCT
fsr-3455	316	8	w.	w.	PROPN
fsr-3455	316	9	b.	b.	PROPN
fsr-3455	316	10	(	(	PUNCT
fsr-3455	316	11	2014	2014	NUM
fsr-3455	316	12	)	)	PUNCT
fsr-3455	316	13	.	.	PUNCT
fsr-3455	317	1	financial	financial	ADJ
fsr-3455	317	2	literacy	literacy	NOUN
fsr-3455	317	3	and	and	CCONJ
fsr-3455	317	4	bank	bank	NOUN
fsr-3455	317	5	affiliation	affiliation	NOUN
fsr-3455	317	6	:	:	PUNCT
fsr-3455	317	7	results	result	NOUN
fsr-3455	317	8	for	for	ADP
fsr-3455	317	9	the	the	DET
fsr-3455	317	10	unbanked	unbanked	ADJ
fsr-3455	317	11	,	,	PUNCT
fsr-3455	317	12	underbanked	underbanked	ADJ
fsr-3455	317	13	,	,	PUNCT
fsr-3455	317	14	and	and	CCONJ
fsr-3455	317	15	fully	fully	ADV
fsr-3455	317	16	banked	bank	VERB
fsr-3455	317	17	,	,	PUNCT
fsr-3455	317	18	perspectives	perspective	NOUN
fsr-3455	317	19	on	on	ADP
fsr-3455	317	20	economic	economic	ADJ
fsr-3455	317	21	education	education	NOUN
fsr-3455	317	22	research	research	NOUN
fsr-3455	317	23	,	,	PUNCT
fsr-3455	317	24	9	9	NUM
fsr-3455	317	25	,	,	PUNCT
fsr-3455	317	26	21–35	21–35	NUM
fsr-3455	317	27	.	.	PUNCT
fsr-3455	318	1	chambers	chamber	NOUN
fsr-3455	318	2	,	,	PUNCT
fsr-3455	318	3	r.	r.	PROPN
fsr-3455	318	4	g.	g.	PROPN
fsr-3455	318	5	,	,	PUNCT
fsr-3455	318	6	asarta	asarta	PROPN
fsr-3455	318	7	,	,	PUNCT
fsr-3455	318	8	c.	c.	PROPN
fsr-3455	318	9	j.	j.	PROPN
fsr-3455	318	10	,	,	PUNCT
fsr-3455	318	11	&	&	CCONJ
fsr-3455	318	12	farley	farley	PROPN
fsr-3455	318	13	-	-	PUNCT
fsr-3455	318	14	ripple	ripple	NOUN
fsr-3455	318	15	,	,	PUNCT
fsr-3455	318	16	e.	e.	PROPN
fsr-3455	318	17	n.	n.	PROPN
fsr-3455	318	18	(	(	PUNCT
fsr-3455	318	19	2019	2019	NUM
fsr-3455	318	20	)	)	PUNCT
fsr-3455	318	21	.	.	PUNCT
fsr-3455	319	1	gender	gender	NOUN
fsr-3455	319	2	,	,	PUNCT
fsr-3455	319	3	parental	parental	ADJ
fsr-3455	319	4	characteristics	characteristic	NOUN
fsr-3455	319	5	,	,	PUNCT
fsr-3455	319	6	and	and	CCONJ
fsr-3455	319	7	objective	objective	ADJ
fsr-3455	319	8	financial	financial	ADJ
fsr-3455	319	9	knowledge	knowledge	NOUN
fsr-3455	319	10	of	of	ADP
fsr-3455	319	11	high	high	ADJ
fsr-3455	319	12	school	school	NOUN
fsr-3455	319	13	students	student	NOUN
fsr-3455	319	14	:	:	PUNCT
fsr-3455	319	15	evidence	evidence	NOUN
fsr-3455	319	16	from	from	ADP
fsr-3455	319	17	multicountry	multicountry	NOUN
fsr-3455	319	18	data	datum	NOUN
fsr-3455	319	19	.	.	PUNCT
fsr-3455	320	1	journal	journal	PROPN
fsr-3455	320	2	of	of	ADP
fsr-3455	320	3	financial	financial	ADJ
fsr-3455	320	4	counseling	counseling	NOUN
fsr-3455	320	5	and	and	CCONJ
fsr-3455	320	6	planning	planning	NOUN
fsr-3455	320	7	,	,	PUNCT
fsr-3455	320	8	30	30	NUM
fsr-3455	320	9	,	,	PUNCT
fsr-3455	320	10	97–109	97–109	NUM
fsr-3455	320	11	.	.	PUNCT
fsr-3455	321	1	chung	chung	PROPN
fsr-3455	321	2	,	,	PUNCT
fsr-3455	321	3	y.	y.	PROPN
fsr-3455	321	4	,	,	PUNCT
fsr-3455	321	5	&	&	CCONJ
fsr-3455	321	6	park	park	PROPN
fsr-3455	321	7	,	,	PUNCT
fsr-3455	321	8	y.	y.	PROPN
fsr-3455	321	9	(	(	PUNCT
fsr-3455	321	10	2015	2015	NUM
fsr-3455	321	11	)	)	PUNCT
fsr-3455	321	12	.	.	PUNCT
fsr-3455	322	1	do	do	VERB
fsr-3455	322	2	financial	financial	ADJ
fsr-3455	322	3	networks	network	NOUN
fsr-3455	322	4	matter	matter	VERB
fsr-3455	322	5	in	in	ADP
fsr-3455	322	6	retirement	retirement	NOUN
fsr-3455	322	7	investment	investment	NOUN
fsr-3455	322	8	decisions	decision	NOUN
fsr-3455	322	9	?	?	PUNCT
fsr-3455	323	1	evidence	evidence	NOUN
fsr-3455	323	2	from	from	ADP
fsr-3455	323	3	generation	generation	NOUN
fsr-3455	323	4	yers	yer	NOUN
fsr-3455	323	5	.	.	PUNCT
fsr-3455	324	1	financial	financial	ADJ
fsr-3455	324	2	services	service	NOUN
fsr-3455	324	3	review	review	PROPN
fsr-3455	324	4	,	,	PUNCT
fsr-3455	324	5	24	24	NUM
fsr-3455	324	6	,	,	PUNCT
fsr-3455	324	7	77–100	77–100	PROPN
fsr-3455	324	8	.	.	PUNCT
fsr-3455	325	1	deenanath	deenanath	PROPN
fsr-3455	325	2	,	,	PUNCT
fsr-3455	325	3	v.	v.	ADV
fsr-3455	325	4	,	,	PUNCT
fsr-3455	325	5	danes	danes	PROPN
fsr-3455	325	6	,	,	PUNCT
fsr-3455	325	7	s.	s.	PROPN
fsr-3455	325	8	m.	m.	PROPN
fsr-3455	325	9	,	,	PUNCT
fsr-3455	325	10	&	&	CCONJ
fsr-3455	325	11	jang	jang	PROPN
fsr-3455	325	12	,	,	PUNCT
fsr-3455	325	13	j.	j.	PROPN
fsr-3455	325	14	(	(	PUNCT
fsr-3455	325	15	2019	2019	NUM
fsr-3455	325	16	)	)	PUNCT
fsr-3455	325	17	.	.	PUNCT
fsr-3455	326	1	purposive	purposive	NOUN
fsr-3455	326	2	and	and	CCONJ
fsr-3455	326	3	unintentional	unintentional	ADJ
fsr-3455	326	4	family	family	NOUN
fsr-3455	326	5	financial	financial	ADJ
fsr-3455	326	6	socialization	socialization	NOUN
fsr-3455	326	7	,	,	PUNCT
fsr-3455	326	8	subjective	subjective	ADJ
fsr-3455	326	9	financial	financial	ADJ
fsr-3455	326	10	knowledge	knowledge	NOUN
fsr-3455	326	11	,	,	PUNCT
fsr-3455	326	12	and	and	CCONJ
fsr-3455	326	13	financial	financial	ADJ
fsr-3455	326	14	behavior	behavior	NOUN
fsr-3455	326	15	of	of	ADP
fsr-3455	326	16	high	high	ADJ
fsr-3455	326	17	school	school	NOUN
fsr-3455	326	18	students	student	NOUN
fsr-3455	326	19	.	.	PUNCT
fsr-3455	327	1	journal	journal	NOUN
fsr-3455	327	2	of	of	ADP
fsr-3455	327	3	financial	financial	ADJ
fsr-3455	327	4	counseling	counseling	NOUN
fsr-3455	327	5	and	and	CCONJ
fsr-3455	327	6	planning	planning	NOUN
fsr-3455	327	7	,	,	PUNCT
fsr-3455	327	8	30	30	NUM
fsr-3455	327	9	,	,	PUNCT
fsr-3455	327	10	83–96	83–96	NUM
fsr-3455	327	11	.	.	PUNCT
fsr-3455	328	1	dorrance	dorrance	PROPN
fsr-3455	328	2	,	,	PUNCT
fsr-3455	328	3	j.	j.	PROPN
fsr-3455	328	4	,	,	PUNCT
fsr-3455	328	5	&	&	CCONJ
fsr-3455	328	6	mcdaniel	mcdaniel	PROPN
fsr-3455	328	7	,	,	PUNCT
fsr-3455	328	8	m.	m.	NOUN
fsr-3455	328	9	(	(	PUNCT
fsr-3455	328	10	2009	2009	NUM
fsr-3455	328	11	)	)	PUNCT
fsr-3455	328	12	.	.	PUNCT
fsr-3455	329	1	the	the	DET
fsr-3455	329	2	reality	reality	NOUN
fsr-3455	329	3	education	education	NOUN
fsr-3455	329	4	and	and	CCONJ
fsr-3455	329	5	assets	asset	NOUN
fsr-3455	329	6	partnership	partnership	NOUN
fsr-3455	329	7	:	:	PUNCT
fsr-3455	329	8	making	make	VERB
fsr-3455	329	9	the	the	DET
fsr-3455	329	10	case	case	NOUN
fsr-3455	329	11	for	for	ADP
fsr-3455	329	12	student	student	NOUN
fsr-3455	329	13	financial	financial	ADJ
fsr-3455	329	14	management	management	NOUN
fsr-3455	329	15	programs	program	NOUN
fsr-3455	329	16	at	at	ADP
fsr-3455	329	17	minority	minority	NOUN
fsr-3455	329	18	serving	serve	VERB
fsr-3455	329	19	institutions	institution	NOUN
fsr-3455	329	20	.	.	PUNCT
fsr-3455	330	1	chapel	chapel	PROPN
fsr-3455	330	2	hill	hill	PROPN
fsr-3455	330	3	,	,	PUNCT
fsr-3455	330	4	nc	nc	PROPN
fsr-3455	330	5	:	:	PUNCT
fsr-3455	330	6	center	center	NOUN
fsr-3455	330	7	for	for	ADP
fsr-3455	330	8	community	community	NOUN
fsr-3455	330	9	capital	capital	NOUN
fsr-3455	330	10	.	.	PUNCT
fsr-3455	331	1	available	available	ADJ
fsr-3455	331	2	at	at	ADP
fsr-3455	331	3	https://communitycapital.unc.edu/files/2009/12/reap.pdf	https://communitycapital.unc.edu/files/2009/12/reap.pdf	PROPN
fsr-3455	331	4	farrell	farrell	PROPN
fsr-3455	331	5	,	,	PUNCT
fsr-3455	331	6	l.	l.	PROPN
fsr-3455	331	7	,	,	PUNCT
fsr-3455	331	8	fry	fry	PROPN
fsr-3455	331	9	,	,	PUNCT
fsr-3455	331	10	t.	t.	PROPN
fsr-3455	331	11	r.	r.	PROPN
fsr-3455	331	12	,	,	PUNCT
fsr-3455	331	13	&	&	CCONJ
fsr-3455	331	14	risse	risse	PROPN
fsr-3455	331	15	,	,	PUNCT
fsr-3455	331	16	l.	l.	PROPN
fsr-3455	331	17	(	(	PUNCT
fsr-3455	331	18	2016	2016	NUM
fsr-3455	331	19	)	)	PUNCT
fsr-3455	331	20	.	.	PUNCT
fsr-3455	332	1	the	the	DET
fsr-3455	332	2	significance	significance	NOUN
fsr-3455	332	3	of	of	ADP
fsr-3455	332	4	financial	financial	ADJ
fsr-3455	332	5	self	self	NOUN
fsr-3455	332	6	-	-	PUNCT
fsr-3455	332	7	efficacy	efficacy	NOUN
fsr-3455	332	8	in	in	ADP
fsr-3455	332	9	explaining	explain	VERB
fsr-3455	332	10	women	woman	NOUN
fsr-3455	332	11	’s	’s	PART
fsr-3455	332	12	personal	personal	ADJ
fsr-3455	332	13	finance	finance	NOUN
fsr-3455	332	14	behaviour	behaviour	NOUN
fsr-3455	332	15	.	.	PUNCT
fsr-3455	333	1	journal	journal	PROPN
fsr-3455	333	2	of	of	ADP
fsr-3455	333	3	economic	economic	ADJ
fsr-3455	333	4	psychology	psychology	NOUN
fsr-3455	333	5	,	,	PUNCT
fsr-3455	333	6	54	54	NUM
fsr-3455	333	7	,	,	PUNCT
fsr-3455	333	8	85–99	85–99	NUM
fsr-3455	333	9	.	.	PUNCT
fsr-3455	334	1	grohmann	grohmann	PROPN
fsr-3455	334	2	,	,	PUNCT
fsr-3455	334	3	a.	a.	PROPN
fsr-3455	334	4	,	,	PUNCT
fsr-3455	334	5	kouwenberg	kouwenberg	PROPN
fsr-3455	334	6	,	,	PUNCT
fsr-3455	334	7	r.	r.	PROPN
fsr-3455	334	8	,	,	PUNCT
fsr-3455	334	9	&	&	CCONJ
fsr-3455	334	10	menkhoff	menkhoff	PROPN
fsr-3455	334	11	,	,	PUNCT
fsr-3455	334	12	l.	l.	PROPN
fsr-3455	334	13	(	(	PUNCT
fsr-3455	334	14	2015	2015	NUM
fsr-3455	334	15	)	)	PUNCT
fsr-3455	334	16	.	.	PUNCT
fsr-3455	335	1	childhood	childhood	NOUN
fsr-3455	335	2	roots	root	NOUN
fsr-3455	335	3	of	of	ADP
fsr-3455	335	4	financial	financial	ADJ
fsr-3455	335	5	literacy	literacy	NOUN
fsr-3455	335	6	,	,	PUNCT
fsr-3455	335	7	diw	diw	PROPN
fsr-3455	335	8	discussion	discussion	NOUN
fsr-3455	335	9	papers	paper	NOUN
fsr-3455	335	10	,	,	PUNCT
fsr-3455	335	11	no	no	INTJ
fsr-3455	335	12	.	.	NOUN
fsr-3455	335	13	1504	1504	NUM
fsr-3455	335	14	.	.	PUNCT
fsr-3455	336	1	berlin	berlin	PROPN
fsr-3455	336	2	:	:	PUNCT
fsr-3455	336	3	deutsches	deutsche	NOUN
fsr-3455	336	4	institut	institut	PROPN
fsr-3455	336	5	für	für	ADV
fsr-3455	336	6	wirtschaftsforschung	wirtschaftsforschung	PROPN
fsr-3455	336	7	(	(	PUNCT
fsr-3455	336	8	diw	diw	PROPN
fsr-3455	336	9	)	)	PUNCT
fsr-3455	336	10	.	.	PUNCT
fsr-3455	337	1	hair	hair	NOUN
fsr-3455	337	2	,	,	PUNCT
fsr-3455	337	3	j.	j.	PROPN
fsr-3455	337	4	f.	f.	PROPN
fsr-3455	337	5	,	,	PUNCT
fsr-3455	337	6	black	black	PROPN
fsr-3455	337	7	,	,	PUNCT
fsr-3455	337	8	w.	w.	PROPN
fsr-3455	337	9	c.	c.	PROPN
fsr-3455	337	10	,	,	PUNCT
fsr-3455	337	11	babin	babin	PROPN
fsr-3455	337	12	,	,	PUNCT
fsr-3455	337	13	b.	b.	PROPN
fsr-3455	337	14	j.	j.	PROPN
fsr-3455	337	15	,	,	PUNCT
fsr-3455	337	16	&	&	CCONJ
fsr-3455	337	17	anderson	anderson	PROPN
fsr-3455	337	18	,	,	PUNCT
fsr-3455	337	19	r.	r.	PROPN
fsr-3455	337	20	e.	e.	PROPN
fsr-3455	337	21	(	(	PUNCT
fsr-3455	337	22	2014	2014	NUM
fsr-3455	337	23	)	)	PUNCT
fsr-3455	337	24	.	.	PUNCT
fsr-3455	338	1	multivariate	multivariate	NOUN
fsr-3455	338	2	data	datum	NOUN
fsr-3455	338	3	analysis	analysis	NOUN
fsr-3455	338	4	(	(	PUNCT
fsr-3455	338	5	7th	7th	ADJ
fsr-3455	338	6	edition	edition	NOUN
fsr-3455	338	7	)	)	PUNCT
fsr-3455	338	8	.	.	PUNCT
fsr-3455	339	1	london	london	PROPN
fsr-3455	339	2	,	,	PUNCT
fsr-3455	339	3	uk	uk	PROPN
fsr-3455	339	4	:	:	PUNCT
fsr-3455	339	5	pearson	pearson	PROPN
fsr-3455	339	6	.	.	PROPN
fsr-3455	340	1	hamilton	hamilton	PROPN
fsr-3455	340	2	,	,	PUNCT
fsr-3455	340	3	d.	d.	PROPN
fsr-3455	340	4	,	,	PUNCT
fsr-3455	340	5	&	&	CCONJ
fsr-3455	340	6	darity	darity	PROPN
fsr-3455	340	7	,	,	PUNCT
fsr-3455	340	8	w.	w.	PROPN
fsr-3455	340	9	a.	a.	PROPN
fsr-3455	340	10	,	,	PUNCT
fsr-3455	340	11	jr	jr	PROPN
fsr-3455	340	12	.	.	PROPN
fsr-3455	340	13	,	,	PUNCT
fsr-3455	340	14	(	(	PUNCT
fsr-3455	340	15	2017	2017	NUM
fsr-3455	340	16	)	)	PUNCT
fsr-3455	340	17	.	.	PUNCT
fsr-3455	341	1	the	the	DET
fsr-3455	341	2	political	political	ADJ
fsr-3455	341	3	economy	economy	NOUN
fsr-3455	341	4	of	of	ADP
fsr-3455	341	5	education	education	NOUN
fsr-3455	341	6	,	,	PUNCT
fsr-3455	341	7	financial	financial	ADJ
fsr-3455	341	8	literacy	literacy	NOUN
fsr-3455	341	9	,	,	PUNCT
fsr-3455	341	10	and	and	CCONJ
fsr-3455	341	11	the	the	DET
fsr-3455	341	12	racial	racial	ADJ
fsr-3455	341	13	wealth	wealth	NOUN
fsr-3455	341	14	gap	gap	NOUN
fsr-3455	341	15	.	.	PUNCT
fsr-3455	342	1	federal	federal	PROPN
fsr-3455	342	2	reserve	reserve	PROPN
fsr-3455	342	3	bank	bank	PROPN
fsr-3455	342	4	of	of	ADP
fsr-3455	342	5	st	st	PROPN
fsr-3455	342	6	.	.	PROPN
fsr-3455	342	7	louis	louis	PROPN
fsr-3455	342	8	review	review	PROPN
fsr-3455	342	9	,	,	PUNCT
fsr-3455	342	10	99	99	NUM
fsr-3455	342	11	,	,	PUNCT
fsr-3455	342	12	59–76	59–76	NUM
fsr-3455	342	13	.	.	PUNCT
fsr-3455	343	1	hamilton	hamilton	PROPN
fsr-3455	343	2	,	,	PUNCT
fsr-3455	343	3	d.	d.	PROPN
fsr-3455	343	4	,	,	PUNCT
fsr-3455	343	5	darity	darity	PROPN
fsr-3455	343	6	jr	jr	PROPN
fsr-3455	343	7	,	,	PUNCT
fsr-3455	343	8	w.	w.	PROPN
fsr-3455	343	9	,	,	PUNCT
fsr-3455	343	10	price	price	NOUN
fsr-3455	343	11	,	,	PUNCT
fsr-3455	343	12	a.	a.	PROPN
fsr-3455	343	13	e.	e.	PROPN
fsr-3455	343	14	,	,	PUNCT
fsr-3455	343	15	sridharan	sridharan	ADJ
fsr-3455	343	16	,	,	PUNCT
fsr-3455	343	17	v.	v.	ADV
fsr-3455	343	18	,	,	PUNCT
fsr-3455	343	19	&	&	CCONJ
fsr-3455	343	20	tippett	tippett	PROPN
fsr-3455	343	21	,	,	PUNCT
fsr-3455	343	22	r.	r.	PROPN
fsr-3455	343	23	(	(	PUNCT
fsr-3455	343	24	2015	2015	NUM
fsr-3455	343	25	)	)	PUNCT
fsr-3455	343	26	.	.	PUNCT
fsr-3455	344	1	umbrellas	umbrella	NOUN
fsr-3455	344	2	do	do	AUX
fsr-3455	344	3	n’t	not	PART
fsr-3455	344	4	make	make	VERB
fsr-3455	344	5	it	it	PRON
fsr-3455	344	6	rain	rain	VERB
fsr-3455	344	7	:	:	PUNCT
fsr-3455	344	8	why	why	SCONJ
fsr-3455	344	9	studying	study	VERB
fsr-3455	344	10	and	and	CCONJ
fsr-3455	344	11	working	work	VERB
fsr-3455	344	12	hard	hard	ADV
fsr-3455	344	13	is	be	AUX
fsr-3455	344	14	n’t	not	PART
fsr-3455	344	15	enough	enough	ADV
fsr-3455	344	16	for	for	ADP
fsr-3455	344	17	black	black	ADJ
fsr-3455	344	18	americans	americans	PROPN
fsr-3455	344	19	.	.	PUNCT
fsr-3455	345	1	new	new	PROPN
fsr-3455	345	2	york	york	PROPN
fsr-3455	345	3	,	,	PUNCT
fsr-3455	345	4	ny	ny	PROPN
fsr-3455	345	5	:	:	PUNCT
fsr-3455	345	6	the	the	DET
fsr-3455	345	7	new	new	ADJ
fsr-3455	345	8	school	school	NOUN
fsr-3455	345	9	.	.	PUNCT
fsr-3455	346	1	harrington	harrington	PROPN
fsr-3455	346	2	,	,	PUNCT
fsr-3455	346	3	c.	c.	PROPN
fsr-3455	346	4	,	,	PUNCT
fsr-3455	346	5	&	&	CCONJ
fsr-3455	346	6	smith	smith	PROPN
fsr-3455	346	7	,	,	PUNCT
fsr-3455	346	8	w.	w.	PROPN
fsr-3455	346	9	(	(	PUNCT
fsr-3455	346	10	2016	2016	NUM
fsr-3455	346	11	)	)	PUNCT
fsr-3455	346	12	.	.	PUNCT
fsr-3455	347	1	college	college	NOUN
fsr-3455	347	2	student	student	NOUN
fsr-3455	347	3	interest	interest	NOUN
fsr-3455	347	4	in	in	ADP
fsr-3455	347	5	personal	personal	ADJ
fsr-3455	347	6	finance	finance	NOUN
fsr-3455	347	7	education	education	NOUN
fsr-3455	347	8	.	.	PUNCT
fsr-3455	348	1	financial	financial	ADJ
fsr-3455	348	2	services	service	NOUN
fsr-3455	348	3	review	review	PROPN
fsr-3455	348	4	,	,	PUNCT
fsr-3455	348	5	25	25	NUM
fsr-3455	348	6	,	,	PUNCT
fsr-3455	348	7	351–372	351–372	NUM
fsr-3455	348	8	.	.	PUNCT
fsr-3455	348	9	hauff	hauff	PROPN
fsr-3455	348	10	,	,	PUNCT
fsr-3455	348	11	j.	j.	PROPN
fsr-3455	348	12	c.	c.	PROPN
fsr-3455	348	13	,	,	PUNCT
fsr-3455	348	14	&	&	CCONJ
fsr-3455	348	15	nilsson	nilsson	PROPN
fsr-3455	348	16	,	,	PUNCT
fsr-3455	348	17	j.	j.	PROPN
fsr-3455	348	18	(	(	PUNCT
fsr-3455	348	19	2020	2020	NUM
fsr-3455	348	20	)	)	PUNCT
fsr-3455	348	21	.	.	PUNCT
fsr-3455	349	1	determinants	determinant	NOUN
fsr-3455	349	2	of	of	ADP
fsr-3455	349	3	indebtedness	indebtedness	NOUN
fsr-3455	349	4	among	among	ADP
fsr-3455	349	5	young	young	ADJ
fsr-3455	349	6	adults	adult	NOUN
fsr-3455	349	7	:	:	PUNCT
fsr-3455	349	8	impacts	impact	NOUN
fsr-3455	349	9	of	of	ADP
fsr-3455	349	10	lender	lender	NOUN
fsr-3455	349	11	guidelines	guideline	NOUN
fsr-3455	349	12	,	,	PUNCT
fsr-3455	349	13	explicit	explicit	ADJ
fsr-3455	349	14	information	information	NOUN
fsr-3455	349	15	and	and	CCONJ
fsr-3455	349	16	financial	financial	ADJ
fsr-3455	349	17	(	(	PUNCT
fsr-3455	349	18	over	over	ADP
fsr-3455	349	19	)	)	PUNCT
fsr-3455	349	20	confidence	confidence	NOUN
fsr-3455	349	21	.	.	PUNCT
fsr-3455	350	1	international	international	ADJ
fsr-3455	350	2	journal	journal	PROPN
fsr-3455	350	3	of	of	ADP
fsr-3455	350	4	consumer	consumer	NOUN
fsr-3455	350	5	studies	study	NOUN
fsr-3455	350	6	,	,	PUNCT
fsr-3455	350	7	44	44	NUM
fsr-3455	350	8	,	,	PUNCT
fsr-3455	350	9	89–98	89–98	NUM
fsr-3455	350	10	.	.	PUNCT
fsr-3455	351	1	k.	k.	PROPN
fsr-3455	351	2	white	white	PROPN
fsr-3455	351	3	et	et	PROPN
fsr-3455	351	4	al	al	PROPN
fsr-3455	351	5	.	.	PUNCT
fsr-3455	351	6	/	/	SYM
fsr-3455	351	7	financial	financial	ADJ
fsr-3455	351	8	services	service	NOUN
fsr-3455	351	9	review	review	VERB
fsr-3455	351	10	29	29	NUM
fsr-3455	351	11	(	(	PUNCT
fsr-3455	351	12	2021	2021	NUM
fsr-3455	351	13	)	)	PUNCT
fsr-3455	351	14	169–185	169–185	NUM
fsr-3455	351	15	183	183	NUM
fsr-3455	351	16	heckman	heckman	NOUN
fsr-3455	351	17	,	,	PUNCT
fsr-3455	351	18	s.	s.	PROPN
fsr-3455	351	19	,	,	PUNCT
fsr-3455	351	20	lim	lim	PROPN
fsr-3455	351	21	,	,	PUNCT
fsr-3455	351	22	h.	h.	PROPN
fsr-3455	351	23	,	,	PUNCT
fsr-3455	351	24	&	&	CCONJ
fsr-3455	351	25	montalto	montalto	PROPN
fsr-3455	351	26	,	,	PUNCT
fsr-3455	351	27	c.	c.	PROPN
fsr-3455	351	28	(	(	PUNCT
fsr-3455	351	29	2014	2014	NUM
fsr-3455	351	30	)	)	PUNCT
fsr-3455	351	31	.	.	PUNCT
fsr-3455	352	1	factors	factor	NOUN
fsr-3455	352	2	related	relate	VERB
fsr-3455	352	3	to	to	ADP
fsr-3455	352	4	financial	financial	ADJ
fsr-3455	352	5	stress	stress	NOUN
fsr-3455	352	6	among	among	ADP
fsr-3455	352	7	college	college	NOUN
fsr-3455	352	8	students	student	NOUN
fsr-3455	352	9	.	.	PUNCT
fsr-3455	353	1	journal	journal	NOUN
fsr-3455	353	2	of	of	ADP
fsr-3455	353	3	financial	financial	ADJ
fsr-3455	353	4	therapy	therapy	NOUN
fsr-3455	353	5	,	,	PUNCT
fsr-3455	353	6	5	5	NUM
fsr-3455	353	7	,	,	PUNCT
fsr-3455	353	8	19–39	19–39	NUM
fsr-3455	353	9	.	.	PUNCT
fsr-3455	354	1	henager	henager	PROPN
fsr-3455	354	2	,	,	PUNCT
fsr-3455	354	3	r.	r.	PROPN
fsr-3455	354	4	,	,	PUNCT
fsr-3455	354	5	&	&	CCONJ
fsr-3455	354	6	cude	cude	PROPN
fsr-3455	354	7	,	,	PUNCT
fsr-3455	354	8	b.	b.	PROPN
fsr-3455	354	9	j.	j.	PROPN
fsr-3455	354	10	(	(	PUNCT
fsr-3455	354	11	2016	2016	NUM
fsr-3455	354	12	)	)	PUNCT
fsr-3455	354	13	.	.	PUNCT
fsr-3455	355	1	financial	financial	ADJ
fsr-3455	355	2	literacy	literacy	NOUN
fsr-3455	355	3	and	and	CCONJ
fsr-3455	355	4	long	long	ADJ
fsr-3455	355	5	-	-	PUNCT
fsr-3455	355	6	and	and	CCONJ
fsr-3455	355	7	short	short	ADJ
fsr-3455	355	8	-	-	PUNCT
fsr-3455	355	9	term	term	NOUN
fsr-3455	355	10	financial	financial	ADJ
fsr-3455	355	11	behavior	behavior	NOUN
fsr-3455	355	12	in	in	ADP
fsr-3455	355	13	different	different	ADJ
fsr-3455	355	14	age	age	NOUN
fsr-3455	355	15	groups	group	NOUN
fsr-3455	355	16	.	.	PUNCT
fsr-3455	356	1	journal	journal	NOUN
fsr-3455	356	2	of	of	ADP
fsr-3455	356	3	financial	financial	ADJ
fsr-3455	356	4	counseling	counseling	NOUN
fsr-3455	356	5	and	and	CCONJ
fsr-3455	356	6	planning	planning	NOUN
fsr-3455	356	7	,	,	PUNCT
fsr-3455	356	8	27	27	NUM
fsr-3455	356	9	,	,	PUNCT
fsr-3455	356	10	3–19	3–19	NOUN
fsr-3455	356	11	.	.	PUNCT
fsr-3455	357	1	henry	henry	PROPN
fsr-3455	357	2	,	,	PUNCT
fsr-3455	357	3	r.	r.	PROPN
fsr-3455	357	4	a.	a.	PROPN
fsr-3455	357	5	,	,	PUNCT
fsr-3455	357	6	weber	weber	PROPN
fsr-3455	357	7	,	,	PUNCT
fsr-3455	357	8	j.	j.	PROPN
fsr-3455	357	9	g.	g.	PROPN
fsr-3455	357	10	,	,	PUNCT
fsr-3455	357	11	&	&	CCONJ
fsr-3455	357	12	yarbrough	yarbrough	PROPN
fsr-3455	357	13	,	,	PUNCT
fsr-3455	357	14	d.	d.	PROPN
fsr-3455	357	15	(	(	PUNCT
fsr-3455	357	16	2001	2001	NUM
fsr-3455	357	17	)	)	PUNCT
fsr-3455	357	18	.	.	PUNCT
fsr-3455	358	1	money	money	NOUN
fsr-3455	358	2	management	management	NOUN
fsr-3455	358	3	practices	practice	NOUN
fsr-3455	358	4	of	of	ADP
fsr-3455	358	5	college	college	NOUN
fsr-3455	358	6	students	student	NOUN
fsr-3455	358	7	.	.	PUNCT
fsr-3455	359	1	college	college	NOUN
fsr-3455	359	2	student	student	NOUN
fsr-3455	359	3	journal	journal	NOUN
fsr-3455	359	4	,	,	PUNCT
fsr-3455	359	5	35	35	NUM
fsr-3455	359	6	,	,	PUNCT
fsr-3455	359	7	244–249	244–249	NUM
fsr-3455	359	8	.	.	PUNCT
fsr-3455	360	1	hu	hu	PROPN
fsr-3455	360	2	,	,	PUNCT
fsr-3455	360	3	l.	l.	PROPN
fsr-3455	360	4	t.	t.	PROPN
fsr-3455	360	5	,	,	PUNCT
fsr-3455	360	6	&	&	CCONJ
fsr-3455	360	7	bentler	bentler	NOUN
fsr-3455	360	8	,	,	PUNCT
fsr-3455	360	9	p.	p.	NOUN
fsr-3455	360	10	m.	m.	NOUN
fsr-3455	360	11	(	(	PUNCT
fsr-3455	360	12	1999	1999	NUM
fsr-3455	360	13	)	)	PUNCT
fsr-3455	360	14	.	.	PUNCT
fsr-3455	361	1	cutoff	cutoff	PROPN
fsr-3455	361	2	criteria	criterion	NOUN
fsr-3455	361	3	for	for	ADP
fsr-3455	361	4	fit	fit	ADJ
fsr-3455	361	5	indexes	index	NOUN
fsr-3455	361	6	in	in	ADP
fsr-3455	361	7	covariance	covariance	NOUN
fsr-3455	361	8	structure	structure	NOUN
fsr-3455	361	9	analysis	analysis	NOUN
fsr-3455	361	10	:	:	PUNCT
fsr-3455	361	11	conventional	conventional	ADJ
fsr-3455	361	12	criteria	criterion	NOUN
fsr-3455	361	13	versus	versus	ADP
fsr-3455	361	14	new	new	ADJ
fsr-3455	361	15	alternatives	alternative	NOUN
fsr-3455	361	16	.	.	PUNCT
fsr-3455	362	1	structural	structural	ADJ
fsr-3455	362	2	equation	equation	NOUN
fsr-3455	362	3	modeling	modeling	NOUN
fsr-3455	362	4	:	:	PUNCT
fsr-3455	362	5	a	a	DET
fsr-3455	362	6	multidisciplinary	multidisciplinary	ADJ
fsr-3455	362	7	journal	journal	NOUN
fsr-3455	362	8	,	,	PUNCT
fsr-3455	362	9	6	6	NUM
fsr-3455	362	10	,	,	PUNCT
fsr-3455	362	11	1–55	1–55	PROPN
fsr-3455	362	12	.	.	PUNCT
fsr-3455	363	1	huston	huston	PROPN
fsr-3455	363	2	,	,	PUNCT
fsr-3455	363	3	s.	s.	PROPN
fsr-3455	363	4	j.	j.	PROPN
fsr-3455	363	5	(	(	PUNCT
fsr-3455	363	6	2010	2010	NUM
fsr-3455	363	7	)	)	PUNCT
fsr-3455	363	8	.	.	PUNCT
fsr-3455	364	1	measuring	measure	VERB
fsr-3455	364	2	financial	financial	ADJ
fsr-3455	364	3	literacy	literacy	NOUN
fsr-3455	364	4	.	.	PUNCT
fsr-3455	365	1	journal	journal	NOUN
fsr-3455	365	2	of	of	ADP
fsr-3455	365	3	consumer	consumer	NOUN
fsr-3455	365	4	affairs	affair	NOUN
fsr-3455	365	5	,	,	PUNCT
fsr-3455	365	6	44	44	NUM
fsr-3455	365	7	,	,	PUNCT
fsr-3455	365	8	296–316	296–316	NUM
fsr-3455	365	9	.	.	PUNCT
fsr-3455	366	1	jayaraman	jayaraman	NOUN
fsr-3455	366	2	,	,	PUNCT
fsr-3455	366	3	j.	j.	PROPN
fsr-3455	366	4	d.	d.	PROPN
fsr-3455	366	5	,	,	PUNCT
fsr-3455	366	6	jambunathan	jambunathan	PROPN
fsr-3455	366	7	,	,	PUNCT
fsr-3455	366	8	s.	s.	PROPN
fsr-3455	366	9	,	,	PUNCT
fsr-3455	366	10	&	&	CCONJ
fsr-3455	366	11	counselman	counselman	PROPN
fsr-3455	366	12	,	,	PUNCT
fsr-3455	366	13	k.	k.	PROPN
fsr-3455	366	14	(	(	PUNCT
fsr-3455	366	15	2018	2018	NUM
fsr-3455	366	16	)	)	PUNCT
fsr-3455	366	17	.	.	PUNCT
fsr-3455	367	1	the	the	DET
fsr-3455	367	2	connection	connection	NOUN
fsr-3455	367	3	between	between	ADP
fsr-3455	367	4	financial	financial	ADJ
fsr-3455	367	5	literacy	literacy	NOUN
fsr-3455	367	6	and	and	CCONJ
fsr-3455	367	7	numeracy	numeracy	NOUN
fsr-3455	367	8	:	:	PUNCT
fsr-3455	367	9	a	a	DET
fsr-3455	367	10	case	case	NOUN
fsr-3455	367	11	study	study	NOUN
fsr-3455	367	12	from	from	ADP
fsr-3455	367	13	india	india	PROPN
fsr-3455	367	14	.	.	PUNCT
fsr-3455	368	1	numeracy	numeracy	NOUN
fsr-3455	368	2	,	,	PUNCT
fsr-3455	368	3	11	11	NUM
fsr-3455	368	4	,	,	PUNCT
fsr-3455	368	5	5	5	NUM
fsr-3455	368	6	.	.	PUNCT
fsr-3455	368	7	killins	killin	NOUN
fsr-3455	368	8	,	,	PUNCT
fsr-3455	368	9	r.	r.	PROPN
fsr-3455	368	10	n.	n.	PROPN
fsr-3455	368	11	(	(	PUNCT
fsr-3455	368	12	2017	2017	NUM
fsr-3455	368	13	)	)	PUNCT
fsr-3455	368	14	.	.	PUNCT
fsr-3455	369	1	the	the	DET
fsr-3455	369	2	financial	financial	ADJ
fsr-3455	369	3	literacy	literacy	NOUN
fsr-3455	369	4	of	of	ADP
fsr-3455	369	5	generation	generation	NOUN
fsr-3455	369	6	y	y	PROPN
fsr-3455	369	7	and	and	CCONJ
fsr-3455	369	8	the	the	DET
fsr-3455	369	9	influence	influence	NOUN
fsr-3455	369	10	that	that	PRON
fsr-3455	369	11	personality	personality	NOUN
fsr-3455	369	12	traits	trait	NOUN
fsr-3455	369	13	have	have	VERB
fsr-3455	369	14	on	on	ADP
fsr-3455	369	15	financial	financial	ADJ
fsr-3455	369	16	knowledge	knowledge	NOUN
fsr-3455	369	17	:	:	PUNCT
fsr-3455	369	18	evidence	evidence	NOUN
fsr-3455	369	19	from	from	ADP
fsr-3455	369	20	canada	canada	PROPN
fsr-3455	369	21	.	.	PUNCT
fsr-3455	370	1	financial	financial	PROPN
fsr-3455	370	2	services	services	PROPN
fsr-3455	370	3	review	review	PROPN
fsr-3455	370	4	,	,	PUNCT
fsr-3455	370	5	26	26	NUM
fsr-3455	370	6	,	,	PUNCT
fsr-3455	370	7	143–165	143–165	NUM
fsr-3455	370	8	.	.	PUNCT
fsr-3455	371	1	kim	kim	PROPN
fsr-3455	371	2	,	,	PUNCT
fsr-3455	371	3	k.	k.	PROPN
fsr-3455	371	4	t.	t.	PROPN
fsr-3455	371	5	,	,	PUNCT
fsr-3455	371	6	lee	lee	PROPN
fsr-3455	371	7	,	,	PUNCT
fsr-3455	371	8	j.	j.	PROPN
fsr-3455	371	9	,	,	PUNCT
fsr-3455	371	10	&	&	CCONJ
fsr-3455	371	11	hanna	hanna	PROPN
fsr-3455	371	12	,	,	PUNCT
fsr-3455	371	13	s.	s.	PROPN
fsr-3455	371	14	d.	d.	PROPN
fsr-3455	371	15	(	(	PUNCT
fsr-3455	371	16	2020	2020	NUM
fsr-3455	371	17	)	)	PUNCT
fsr-3455	371	18	.	.	PUNCT
fsr-3455	372	1	the	the	DET
fsr-3455	372	2	effects	effect	NOUN
fsr-3455	372	3	of	of	ADP
fsr-3455	372	4	financial	financial	ADJ
fsr-3455	372	5	literacy	literacy	NOUN
fsr-3455	372	6	overconfidence	overconfidence	NOUN
fsr-3455	372	7	on	on	ADP
fsr-3455	372	8	the	the	DET
fsr-3455	372	9	mortgage	mortgage	NOUN
fsr-3455	372	10	delinquency	delinquency	NOUN
fsr-3455	372	11	of	of	ADP
fsr-3455	372	12	us	us	PROPN
fsr-3455	372	13	households	household	NOUN
fsr-3455	372	14	.	.	PUNCT
fsr-3455	373	1	journal	journal	NOUN
fsr-3455	373	2	of	of	ADP
fsr-3455	373	3	consumer	consumer	NOUN
fsr-3455	373	4	affairs	affair	NOUN
fsr-3455	373	5	,	,	PUNCT
fsr-3455	373	6	54	54	NUM
fsr-3455	373	7	,	,	PUNCT
fsr-3455	373	8	517–540	517–540	NUM
fsr-3455	373	9	.	.	PUNCT
fsr-3455	374	1	kline	kline	PROPN
fsr-3455	374	2	,	,	PUNCT
fsr-3455	374	3	p.	p.	PROPN
fsr-3455	374	4	(	(	PUNCT
fsr-3455	374	5	1994	1994	NUM
fsr-3455	374	6	)	)	PUNCT
fsr-3455	374	7	.	.	PUNCT
fsr-3455	375	1	an	an	DET
fsr-3455	375	2	easy	easy	ADJ
fsr-3455	375	3	guide	guide	NOUN
fsr-3455	375	4	to	to	PART
fsr-3455	375	5	factor	factor	VERB
fsr-3455	375	6	analysis	analysis	NOUN
fsr-3455	375	7	.	.	PUNCT
fsr-3455	376	1	london	london	PROPN
fsr-3455	376	2	,	,	PUNCT
fsr-3455	376	3	uk	uk	PROPN
fsr-3455	376	4	:	:	PUNCT
fsr-3455	376	5	routledge	routledge	PROPN
fsr-3455	376	6	.	.	PUNCT
fsr-3455	376	7	kline	kline	PROPN
fsr-3455	376	8	,	,	PUNCT
fsr-3455	376	9	r.	r.	PROPN
fsr-3455	376	10	b.	b.	PROPN
fsr-3455	376	11	(	(	PUNCT
fsr-3455	376	12	2005	2005	NUM
fsr-3455	376	13	)	)	PUNCT
fsr-3455	376	14	.	.	PUNCT
fsr-3455	377	1	principles	principle	NOUN
fsr-3455	377	2	and	and	CCONJ
fsr-3455	377	3	practice	practice	NOUN
fsr-3455	377	4	of	of	ADP
fsr-3455	377	5	structural	structural	ADJ
fsr-3455	377	6	equation	equation	NOUN
fsr-3455	377	7	modeling	modeling	NOUN
fsr-3455	377	8	.	.	PUNCT
fsr-3455	378	1	new	new	PROPN
fsr-3455	378	2	york	york	PROPN
fsr-3455	378	3	,	,	PUNCT
fsr-3455	378	4	ny	ny	PROPN
fsr-3455	378	5	:	:	PUNCT
fsr-3455	378	6	guilford	guilford	PROPN
fsr-3455	378	7	press	press	PROPN
fsr-3455	378	8	.	.	PUNCT
fsr-3455	379	1	lim	lim	PROPN
fsr-3455	379	2	,	,	PUNCT
fsr-3455	379	3	h.	h.	PROPN
fsr-3455	379	4	,	,	PUNCT
fsr-3455	379	5	heckman	heckman	PROPN
fsr-3455	379	6	,	,	PUNCT
fsr-3455	379	7	s.	s.	PROPN
fsr-3455	379	8	,	,	PUNCT
fsr-3455	379	9	montalto	montalto	PROPN
fsr-3455	379	10	,	,	PUNCT
fsr-3455	379	11	c.	c.	PROPN
fsr-3455	379	12	p.	p.	PROPN
fsr-3455	379	13	,	,	PUNCT
fsr-3455	379	14	&	&	CCONJ
fsr-3455	379	15	letkiewicz	letkiewicz	PROPN
fsr-3455	379	16	,	,	PUNCT
fsr-3455	379	17	j.	j.	PROPN
fsr-3455	379	18	(	(	PUNCT
fsr-3455	379	19	2014	2014	NUM
fsr-3455	379	20	)	)	PUNCT
fsr-3455	379	21	.	.	PUNCT
fsr-3455	380	1	financial	financial	ADJ
fsr-3455	380	2	stress	stress	NOUN
fsr-3455	380	3	,	,	PUNCT
fsr-3455	380	4	self	self	NOUN
fsr-3455	380	5	-	-	PUNCT
fsr-3455	380	6	efficacy	efficacy	NOUN
fsr-3455	380	7	,	,	PUNCT
fsr-3455	380	8	and	and	CCONJ
fsr-3455	380	9	financial	financial	ADJ
fsr-3455	380	10	help	help	NOUN
fsr-3455	380	11	-	-	PUNCT
fsr-3455	380	12	seeking	seek	VERB
fsr-3455	380	13	behavior	behavior	NOUN
fsr-3455	380	14	of	of	ADP
fsr-3455	380	15	college	college	NOUN
fsr-3455	380	16	students	student	NOUN
fsr-3455	380	17	.	.	PUNCT
fsr-3455	381	1	journal	journal	NOUN
fsr-3455	381	2	of	of	ADP
fsr-3455	381	3	financial	financial	ADJ
fsr-3455	381	4	counseling	counseling	NOUN
fsr-3455	381	5	and	and	CCONJ
fsr-3455	381	6	planning	planning	NOUN
fsr-3455	381	7	,	,	PUNCT
fsr-3455	381	8	25	25	NUM
fsr-3455	381	9	,	,	PUNCT
fsr-3455	381	10	148–160	148–160	NUM
fsr-3455	381	11	.	.	PUNCT
fsr-3455	381	12	loehlin	loehlin	PROPN
fsr-3455	381	13	,	,	PUNCT
fsr-3455	381	14	j.	j.	PROPN
fsr-3455	381	15	c.	c.	PROPN
fsr-3455	381	16	(	(	PUNCT
fsr-3455	381	17	2004	2004	NUM
fsr-3455	381	18	)	)	PUNCT
fsr-3455	381	19	.	.	PUNCT
fsr-3455	382	1	latent	latent	ADJ
fsr-3455	382	2	variable	variable	ADJ
fsr-3455	382	3	models	model	NOUN
fsr-3455	382	4	:	:	PUNCT
fsr-3455	382	5	an	an	DET
fsr-3455	382	6	introduction	introduction	NOUN
fsr-3455	382	7	to	to	ADP
fsr-3455	382	8	factor	factor	NOUN
fsr-3455	382	9	,	,	PUNCT
fsr-3455	382	10	path	path	NOUN
fsr-3455	382	11	,	,	PUNCT
fsr-3455	382	12	and	and	CCONJ
fsr-3455	382	13	structural	structural	ADJ
fsr-3455	382	14	equation	equation	NOUN
fsr-3455	382	15	analysis	analysis	NOUN
fsr-3455	382	16	(	(	PUNCT
fsr-3455	382	17	4th	4th	ADJ
fsr-3455	382	18	ed	ed	NOUN
fsr-3455	382	19	.	.	PUNCT
fsr-3455	382	20	)	)	PUNCT
fsr-3455	382	21	.	.	PUNCT
fsr-3455	383	1	mahwah	mahwah	PROPN
fsr-3455	383	2	,	,	PUNCT
fsr-3455	383	3	nj	nj	PROPN
fsr-3455	383	4	:	:	PUNCT
fsr-3455	383	5	lawrence	lawrence	PROPN
fsr-3455	383	6	erlbaum	erlbaum	PROPN
fsr-3455	383	7	.	.	PUNCT
fsr-3455	384	1	lown	lown	PROPN
fsr-3455	384	2	,	,	PUNCT
fsr-3455	384	3	j.	j.	PROPN
fsr-3455	384	4	m.	m.	PROPN
fsr-3455	384	5	(	(	PUNCT
fsr-3455	384	6	2011	2011	NUM
fsr-3455	384	7	)	)	PUNCT
fsr-3455	384	8	.	.	PUNCT
fsr-3455	385	1	development	development	NOUN
fsr-3455	385	2	and	and	CCONJ
fsr-3455	385	3	validation	validation	NOUN
fsr-3455	385	4	of	of	ADP
fsr-3455	385	5	a	a	DET
fsr-3455	385	6	financial	financial	ADJ
fsr-3455	385	7	self	self	NOUN
fsr-3455	385	8	-	-	PUNCT
fsr-3455	385	9	efficacy	efficacy	NOUN
fsr-3455	385	10	scale	scale	NOUN
fsr-3455	385	11	.	.	PUNCT
fsr-3455	386	1	journal	journal	NOUN
fsr-3455	386	2	of	of	ADP
fsr-3455	386	3	financial	financial	ADJ
fsr-3455	386	4	counseling	counseling	NOUN
fsr-3455	386	5	and	and	CCONJ
fsr-3455	386	6	planning	planning	NOUN
fsr-3455	386	7	,	,	PUNCT
fsr-3455	386	8	22	22	NUM
fsr-3455	386	9	,	,	PUNCT
fsr-3455	386	10	54–63	54–63	NUM
fsr-3455	386	11	.	.	PUNCT
fsr-3455	387	1	mccoy	mccoy	PROPN
fsr-3455	387	2	,	,	PUNCT
fsr-3455	387	3	m.	m.	NOUN
fsr-3455	387	4	,	,	PUNCT
fsr-3455	387	5	white	white	PROPN
fsr-3455	387	6	,	,	PUNCT
fsr-3455	387	7	k.	k.	PROPN
fsr-3455	387	8	j.	j.	PROPN
fsr-3455	387	9	,	,	PUNCT
fsr-3455	387	10	&	&	CCONJ
fsr-3455	387	11	love	love	PROPN
fsr-3455	387	12	,	,	PUNCT
fsr-3455	387	13	k.	k.	PROPN
fsr-3455	387	14	(	(	PUNCT
fsr-3455	387	15	2019	2019	NUM
fsr-3455	387	16	)	)	PUNCT
fsr-3455	387	17	.	.	PUNCT
fsr-3455	388	1	investigating	investigate	VERB
fsr-3455	388	2	the	the	DET
fsr-3455	388	3	financial	financial	ADJ
fsr-3455	388	4	overconfidence	overconfidence	NOUN
fsr-3455	388	5	of	of	ADP
fsr-3455	388	6	student	student	NOUN
fsr-3455	388	7	-	-	PUNCT
fsr-3455	388	8	athletes	athlete	NOUN
fsr-3455	388	9	.	.	PUNCT
fsr-3455	389	1	sport	sport	NOUN
fsr-3455	389	2	,	,	PUNCT
fsr-3455	389	3	business	business	NOUN
fsr-3455	389	4	management	management	NOUN
fsr-3455	389	5	:	:	PUNCT
fsr-3455	389	6	an	an	DET
fsr-3455	389	7	international	international	ADJ
fsr-3455	389	8	journal	journal	NOUN
fsr-3455	389	9	,	,	PUNCT
fsr-3455	389	10	9	9	NUM
fsr-3455	389	11	,	,	PUNCT
fsr-3455	389	12	381–398	381–398	NUM
fsr-3455	389	13	.	.	PUNCT
fsr-3455	389	14	merkle	merkle	NOUN
fsr-3455	389	15	,	,	PUNCT
fsr-3455	389	16	c.	c.	NOUN
fsr-3455	389	17	(	(	PUNCT
fsr-3455	389	18	2017	2017	NUM
fsr-3455	389	19	)	)	PUNCT
fsr-3455	389	20	.	.	PUNCT
fsr-3455	390	1	financial	financial	ADJ
fsr-3455	390	2	overconfidence	overconfidence	NOUN
fsr-3455	390	3	over	over	ADP
fsr-3455	390	4	time	time	NOUN
fsr-3455	390	5	:	:	PUNCT
fsr-3455	390	6	foresight	foresight	NOUN
fsr-3455	390	7	,	,	PUNCT
fsr-3455	390	8	hindsight	hindsight	ADJ
fsr-3455	390	9	,	,	PUNCT
fsr-3455	390	10	and	and	CCONJ
fsr-3455	390	11	insight	insight	NOUN
fsr-3455	390	12	of	of	ADP
fsr-3455	390	13	investors	investor	NOUN
fsr-3455	390	14	.	.	PUNCT
fsr-3455	391	1	journal	journal	PROPN
fsr-3455	391	2	of	of	ADP
fsr-3455	391	3	banking	banking	NOUN
fsr-3455	391	4	&	&	CCONJ
fsr-3455	391	5	finance	finance	PROPN
fsr-3455	391	6	,	,	PUNCT
fsr-3455	391	7	84	84	NUM
fsr-3455	391	8	,	,	PUNCT
fsr-3455	391	9	68–87	68–87	NOUN
fsr-3455	391	10	.	.	PUNCT
fsr-3455	392	1	mielitz	mielitz	PROPN
fsr-3455	392	2	,	,	PUNCT
fsr-3455	392	3	k.	k.	PROPN
fsr-3455	392	4	k.	k.	PROPN
fsr-3455	392	5	s.	s.	PROPN
fsr-3455	392	6	,	,	PUNCT
fsr-3455	392	7	macdonald	macdonald	PROPN
fsr-3455	392	8	,	,	PUNCT
fsr-3455	392	9	m.	m.	NOUN
fsr-3455	392	10	,	,	PUNCT
fsr-3455	392	11	&	&	CCONJ
fsr-3455	392	12	lurtz	lurtz	PROPN
fsr-3455	392	13	,	,	PUNCT
fsr-3455	392	14	m.	m.	NOUN
fsr-3455	392	15	(	(	PUNCT
fsr-3455	392	16	2018	2018	NUM
fsr-3455	392	17	)	)	PUNCT
fsr-3455	392	18	.	.	PUNCT
fsr-3455	393	1	financial	financial	ADJ
fsr-3455	393	2	literacy	literacy	NOUN
fsr-3455	393	3	education	education	NOUN
fsr-3455	393	4	in	in	ADP
fsr-3455	393	5	a	a	DET
fsr-3455	393	6	work	work	NOUN
fsr-3455	393	7	release	release	NOUN
fsr-3455	393	8	program	program	NOUN
fsr-3455	393	9	for	for	ADP
fsr-3455	393	10	an	an	DET
fsr-3455	393	11	incarcerated	incarcerated	ADJ
fsr-3455	393	12	sample	sample	NOUN
fsr-3455	393	13	.	.	PUNCT
fsr-3455	394	1	journal	journal	NOUN
fsr-3455	394	2	of	of	ADP
fsr-3455	394	3	financial	financial	ADJ
fsr-3455	394	4	counseling	counseling	NOUN
fsr-3455	394	5	and	and	CCONJ
fsr-3455	394	6	planning	planning	NOUN
fsr-3455	394	7	,	,	PUNCT
fsr-3455	394	8	29	29	NUM
fsr-3455	394	9	,	,	PUNCT
fsr-3455	394	10	316–327	316–327	NUM
fsr-3455	394	11	.	.	PUNCT
fsr-3455	395	1	mimura	mimura	PROPN
fsr-3455	395	2	,	,	PUNCT
fsr-3455	395	3	y.	y.	PROPN
fsr-3455	395	4	,	,	PUNCT
fsr-3455	395	5	koonce	koonce	PROPN
fsr-3455	395	6	,	,	PUNCT
fsr-3455	395	7	j.	j.	PROPN
fsr-3455	395	8	,	,	PUNCT
fsr-3455	395	9	plunkett	plunkett	PROPN
fsr-3455	395	10	,	,	PUNCT
fsr-3455	395	11	s.	s.	PROPN
fsr-3455	395	12	w.	w.	PROPN
fsr-3455	395	13	,	,	PUNCT
fsr-3455	395	14	&	&	CCONJ
fsr-3455	395	15	pleskus	pleskus	PROPN
fsr-3455	395	16	,	,	PUNCT
fsr-3455	395	17	l.	l.	PROPN
fsr-3455	395	18	(	(	PUNCT
fsr-3455	395	19	2015	2015	NUM
fsr-3455	395	20	)	)	PUNCT
fsr-3455	395	21	.	.	PUNCT
fsr-3455	396	1	financial	financial	ADJ
fsr-3455	396	2	information	information	PROPN
fsr-3455	396	3	source	source	NOUN
fsr-3455	396	4	,	,	PUNCT
fsr-3455	396	5	knowledge	knowledge	NOUN
fsr-3455	396	6	,	,	PUNCT
fsr-3455	396	7	and	and	CCONJ
fsr-3455	396	8	practices	practice	NOUN
fsr-3455	396	9	of	of	ADP
fsr-3455	396	10	college	college	NOUN
fsr-3455	396	11	students	student	NOUN
fsr-3455	396	12	from	from	ADP
fsr-3455	396	13	diverse	diverse	ADJ
fsr-3455	396	14	backgrounds	background	NOUN
fsr-3455	396	15	.	.	PUNCT
fsr-3455	397	1	journal	journal	PROPN
fsr-3455	397	2	of	of	ADP
fsr-3455	397	3	financial	financial	ADJ
fsr-3455	397	4	counseling	counseling	NOUN
fsr-3455	397	5	and	and	CCONJ
fsr-3455	397	6	planning	planning	NOUN
fsr-3455	397	7	,	,	PUNCT
fsr-3455	397	8	26	26	NUM
fsr-3455	397	9	,	,	PUNCT
fsr-3455	397	10	63–78	63–78	NUM
fsr-3455	397	11	.	.	PUNCT
fsr-3455	397	12	montalto	montalto	PROPN
fsr-3455	397	13	,	,	PUNCT
fsr-3455	397	14	c.	c.	PROPN
fsr-3455	397	15	p.	p.	PROPN
fsr-3455	397	16	,	,	PUNCT
fsr-3455	397	17	phillips	phillips	PROPN
fsr-3455	397	18	,	,	PUNCT
fsr-3455	397	19	e.	e.	PROPN
fsr-3455	397	20	l.	l.	PROPN
fsr-3455	397	21	,	,	PUNCT
fsr-3455	397	22	mcdaniel	mcdaniel	PROPN
fsr-3455	397	23	,	,	PUNCT
fsr-3455	397	24	a.	a.	PROPN
fsr-3455	397	25	,	,	PUNCT
fsr-3455	397	26	&	&	CCONJ
fsr-3455	397	27	baker	baker	PROPN
fsr-3455	397	28	,	,	PUNCT
fsr-3455	397	29	a.	a.	PROPN
fsr-3455	397	30	r.	r.	PROPN
fsr-3455	397	31	(	(	PUNCT
fsr-3455	397	32	2019	2019	NUM
fsr-3455	397	33	)	)	PUNCT
fsr-3455	397	34	.	.	PUNCT
fsr-3455	398	1	college	college	NOUN
fsr-3455	398	2	student	student	NOUN
fsr-3455	398	3	financial	financial	PROPN
fsr-3455	398	4	wellness	wellness	NOUN
fsr-3455	398	5	:	:	PUNCT
fsr-3455	398	6	student	student	NOUN
fsr-3455	398	7	loans	loan	NOUN
fsr-3455	398	8	and	and	CCONJ
fsr-3455	398	9	beyond	beyond	ADP
fsr-3455	398	10	.	.	PUNCT
fsr-3455	399	1	journal	journal	NOUN
fsr-3455	399	2	of	of	ADP
fsr-3455	399	3	family	family	NOUN
fsr-3455	399	4	and	and	CCONJ
fsr-3455	399	5	economic	economic	ADJ
fsr-3455	399	6	issues	issue	NOUN
fsr-3455	399	7	,	,	PUNCT
fsr-3455	399	8	40	40	NUM
fsr-3455	399	9	,	,	PUNCT
fsr-3455	399	10	3–21	3–21	PROPN
fsr-3455	399	11	.	.	PUNCT
fsr-3455	400	1	oliver	oliver	PROPN
fsr-3455	400	2	,	,	PUNCT
fsr-3455	400	3	m.	m.	NOUN
fsr-3455	400	4	,	,	PUNCT
fsr-3455	400	5	&	&	CCONJ
fsr-3455	400	6	shapiro	shapiro	PROPN
fsr-3455	400	7	,	,	PUNCT
fsr-3455	400	8	t.	t.	PROPN
fsr-3455	400	9	(	(	PUNCT
fsr-3455	400	10	2013	2013	NUM
fsr-3455	400	11	)	)	PUNCT
fsr-3455	400	12	.	.	PUNCT
fsr-3455	401	1	black	black	ADJ
fsr-3455	401	2	wealth	wealth	NOUN
fsr-3455	401	3	/	/	SYM
fsr-3455	401	4	white	white	ADJ
fsr-3455	401	5	wealth	wealth	NOUN
fsr-3455	401	6	:	:	PUNCT
fsr-3455	401	7	a	a	DET
fsr-3455	401	8	new	new	ADJ
fsr-3455	401	9	perspective	perspective	NOUN
fsr-3455	401	10	on	on	ADP
fsr-3455	401	11	racial	racial	ADJ
fsr-3455	401	12	inequality	inequality	NOUN
fsr-3455	401	13	.	.	PUNCT
fsr-3455	402	1	new	new	PROPN
fsr-3455	402	2	york	york	PROPN
fsr-3455	402	3	,	,	PUNCT
fsr-3455	402	4	ny	ny	PROPN
fsr-3455	402	5	:	:	PUNCT
fsr-3455	402	6	routledge	routledge	PROPN
fsr-3455	402	7	robb	robb	PROPN
fsr-3455	402	8	,	,	PUNCT
fsr-3455	402	9	c.	c.	PROPN
fsr-3455	402	10	a.	a.	PROPN
fsr-3455	402	11	,	,	PUNCT
fsr-3455	402	12	&	&	CCONJ
fsr-3455	402	13	woodyard	woodyard	PROPN
fsr-3455	402	14	,	,	PUNCT
fsr-3455	402	15	a.	a.	PROPN
fsr-3455	402	16	s.	s.	PROPN
fsr-3455	402	17	(	(	PUNCT
fsr-3455	402	18	2011	2011	NUM
fsr-3455	402	19	)	)	PUNCT
fsr-3455	402	20	.	.	PUNCT
fsr-3455	403	1	financial	financial	ADJ
fsr-3455	403	2	knowledge	knowledge	NOUN
fsr-3455	403	3	and	and	CCONJ
fsr-3455	403	4	best	good	ADJ
fsr-3455	403	5	practice	practice	NOUN
fsr-3455	403	6	behavior	behavior	NOUN
fsr-3455	403	7	.	.	PUNCT
fsr-3455	404	1	journal	journal	PROPN
fsr-3455	404	2	of	of	ADP
fsr-3455	404	3	financial	financial	ADJ
fsr-3455	404	4	counseling	counseling	NOUN
fsr-3455	404	5	and	and	CCONJ
fsr-3455	404	6	planning	planning	NOUN
fsr-3455	404	7	,	,	PUNCT
fsr-3455	404	8	22	22	NUM
fsr-3455	404	9	,	,	PUNCT
fsr-3455	404	10	60–70	60–70	NUM
fsr-3455	404	11	.	.	PUNCT
fsr-3455	405	1	robb	robb	NOUN
fsr-3455	405	2	,	,	PUNCT
fsr-3455	405	3	c.	c.	PROPN
fsr-3455	405	4	a.	a.	PROPN
fsr-3455	405	5	(	(	PUNCT
fsr-3455	405	6	2017	2017	NUM
fsr-3455	405	7	)	)	PUNCT
fsr-3455	405	8	.	.	PUNCT
fsr-3455	406	1	college	college	NOUN
fsr-3455	406	2	student	student	NOUN
fsr-3455	406	3	financial	financial	ADJ
fsr-3455	406	4	stress	stress	NOUN
fsr-3455	406	5	:	:	PUNCT
fsr-3455	406	6	are	be	AUX
fsr-3455	406	7	the	the	DET
fsr-3455	406	8	kids	kid	NOUN
fsr-3455	406	9	alright	alright	NOUN
fsr-3455	406	10	?	?	PUNCT
fsr-3455	407	1	journal	journal	NOUN
fsr-3455	407	2	of	of	ADP
fsr-3455	407	3	family	family	NOUN
fsr-3455	407	4	and	and	CCONJ
fsr-3455	407	5	economic	economic	ADJ
fsr-3455	407	6	issues	issue	NOUN
fsr-3455	407	7	,	,	PUNCT
fsr-3455	407	8	38	38	NUM
fsr-3455	407	9	,	,	PUNCT
fsr-3455	407	10	514–527	514–527	NUM
fsr-3455	407	11	.	.	PUNCT
fsr-3455	408	1	scfw	scfw	NOUN
fsr-3455	408	2	.	.	PUNCT
fsr-3455	409	1	(	(	PUNCT
fsr-3455	409	2	2017	2017	NUM
fsr-3455	409	3	)	)	PUNCT
fsr-3455	409	4	.	.	PUNCT
fsr-3455	410	1	study	study	NOUN
fsr-3455	410	2	on	on	ADP
fsr-3455	410	3	collegiate	collegiate	ADJ
fsr-3455	410	4	financial	financial	ADJ
fsr-3455	410	5	wellness	wellness	NOUN
fsr-3455	410	6	:	:	PUNCT
fsr-3455	410	7	2017	2017	NUM
fsr-3455	410	8	key	key	ADJ
fsr-3455	410	9	findings	finding	NOUN
fsr-3455	410	10	report	report	NOUN
fsr-3455	410	11	.	.	PUNCT
fsr-3455	411	1	the	the	DET
fsr-3455	411	2	ohio	ohio	PROPN
fsr-3455	411	3	state	state	PROPN
fsr-3455	411	4	university	university	PROPN
fsr-3455	411	5	,	,	PUNCT
fsr-3455	411	6	columbus	columbus	PROPN
fsr-3455	411	7	,	,	PUNCT
fsr-3455	411	8	oh	oh	INTJ
fsr-3455	411	9	.	.	PUNCT
fsr-3455	411	10	available	available	ADJ
fsr-3455	411	11	at	at	ADP
fsr-3455	411	12	https://cssl.osu.edu/posts/632320bc-704d-4eef-8bcb-87c83019f2e9/documents/	https://cssl.osu.edu/posts/632320bc-704d-4eef-8bcb-87c83019f2e9/documents/	PROPN
fsr-3455	411	13	2017-scfw-key-findings-report.pdf	2017-scfw-key-findings-report.pdf	ADJ
fsr-3455	411	14	schermelleh	schermelleh	NOUN
fsr-3455	411	15	-	-	PUNCT
fsr-3455	411	16	engel	engel	PROPN
fsr-3455	411	17	,	,	PUNCT
fsr-3455	411	18	k.	k.	PROPN
fsr-3455	411	19	,	,	PUNCT
fsr-3455	411	20	moosbrugger	moosbrugger	PROPN
fsr-3455	411	21	,	,	PUNCT
fsr-3455	411	22	h.	h.	PROPN
fsr-3455	411	23	,	,	PUNCT
fsr-3455	411	24	&	&	CCONJ
fsr-3455	411	25	müller	müller	NOUN
fsr-3455	411	26	,	,	PUNCT
fsr-3455	411	27	h.	h.	PROPN
fsr-3455	411	28	(	(	PUNCT
fsr-3455	411	29	2003	2003	NUM
fsr-3455	411	30	)	)	PUNCT
fsr-3455	411	31	.	.	PUNCT
fsr-3455	412	1	evaluating	evaluate	VERB
fsr-3455	412	2	the	the	DET
fsr-3455	412	3	fit	fit	NOUN
fsr-3455	412	4	of	of	ADP
fsr-3455	412	5	structural	structural	ADJ
fsr-3455	412	6	equation	equation	NOUN
fsr-3455	412	7	models	model	NOUN
fsr-3455	412	8	:	:	PUNCT
fsr-3455	412	9	tests	test	NOUN
fsr-3455	412	10	of	of	ADP
fsr-3455	412	11	significance	significance	NOUN
fsr-3455	412	12	and	and	CCONJ
fsr-3455	412	13	descriptive	descriptive	ADJ
fsr-3455	412	14	goodness	goodness	NOUN
fsr-3455	412	15	-	-	PUNCT
fsr-3455	412	16	of	of	ADP
fsr-3455	412	17	-	-	PUNCT
fsr-3455	412	18	fit	fit	ADJ
fsr-3455	412	19	measures	measure	NOUN
fsr-3455	412	20	.	.	PUNCT
fsr-3455	413	1	methods	method	NOUN
fsr-3455	413	2	of	of	ADP
fsr-3455	413	3	psychological	psychological	ADJ
fsr-3455	413	4	research	research	NOUN
fsr-3455	413	5	monline	monline	NOUN
fsr-3455	413	6	,	,	PUNCT
fsr-3455	413	7	8	8	NUM
fsr-3455	413	8	,	,	PUNCT
fsr-3455	413	9	23–74	23–74	NUM
fsr-3455	413	10	.	.	PUNCT
fsr-3455	413	11	scott	scott	PROPN
fsr-3455	413	12	,	,	PUNCT
fsr-3455	413	13	j.	j.	PROPN
fsr-3455	413	14	k.	k.	PROPN
fsr-3455	413	15	,	,	PUNCT
fsr-3455	413	16	vu	vu	PROPN
fsr-3455	413	17	,	,	PUNCT
fsr-3455	413	18	n.	n.	PROPN
fsr-3455	413	19	n.	n.	PROPN
fsr-3455	413	20	,	,	PUNCT
fsr-3455	413	21	cheng	cheng	PROPN
fsr-3455	413	22	,	,	PUNCT
fsr-3455	413	23	y.	y.	PROPN
fsr-3455	413	24	,	,	PUNCT
fsr-3455	413	25	&	&	CCONJ
fsr-3455	413	26	gibson	gibson	PROPN
fsr-3455	413	27	,	,	PUNCT
fsr-3455	413	28	p.	p.	NOUN
fsr-3455	413	29	(	(	PUNCT
fsr-3455	413	30	2018	2018	NUM
fsr-3455	413	31	)	)	PUNCT
fsr-3455	413	32	.	.	PUNCT
fsr-3455	414	1	financial	financial	ADJ
fsr-3455	414	2	capability	capability	NOUN
fsr-3455	414	3	:	:	PUNCT
fsr-3455	414	4	literacy	literacy	NOUN
fsr-3455	414	5	,	,	PUNCT
fsr-3455	414	6	behavior	behavior	NOUN
fsr-3455	414	7	,	,	PUNCT
fsr-3455	414	8	and	and	CCONJ
fsr-3455	414	9	distress	distress	NOUN
fsr-3455	414	10	.	.	PUNCT
fsr-3455	415	1	financial	financial	ADJ
fsr-3455	415	2	services	service	NOUN
fsr-3455	415	3	review	review	PROPN
fsr-3455	415	4	,	,	PUNCT
fsr-3455	415	5	27	27	NUM
fsr-3455	415	6	,	,	PUNCT
fsr-3455	415	7	391–411	391–411	NUM
fsr-3455	415	8	.	.	PUNCT
fsr-3455	416	1	seay	seay	PROPN
fsr-3455	416	2	,	,	PUNCT
fsr-3455	416	3	m.	m.	NOUN
fsr-3455	416	4	,	,	PUNCT
fsr-3455	416	5	kim	kim	PROPN
fsr-3455	416	6	,	,	PUNCT
fsr-3455	416	7	k.	k.	PROPN
fsr-3455	416	8	t.	t.	PROPN
fsr-3455	416	9	,	,	PUNCT
fsr-3455	416	10	&	&	CCONJ
fsr-3455	416	11	heckman	heckman	PROPN
fsr-3455	416	12	,	,	PUNCT
fsr-3455	416	13	s.	s.	PROPN
fsr-3455	416	14	(	(	PUNCT
fsr-3455	416	15	2016	2016	NUM
fsr-3455	416	16	)	)	PUNCT
fsr-3455	416	17	.	.	PUNCT
fsr-3455	417	1	exploring	explore	VERB
fsr-3455	417	2	the	the	DET
fsr-3455	417	3	demand	demand	NOUN
fsr-3455	417	4	for	for	ADP
fsr-3455	417	5	retirement	retirement	NOUN
fsr-3455	417	6	planning	planning	NOUN
fsr-3455	417	7	advice	advice	NOUN
fsr-3455	417	8	:	:	PUNCT
fsr-3455	417	9	the	the	DET
fsr-3455	417	10	role	role	NOUN
fsr-3455	417	11	of	of	ADP
fsr-3455	417	12	financial	financial	ADJ
fsr-3455	417	13	literacy	literacy	NOUN
fsr-3455	417	14	.	.	PUNCT
fsr-3455	418	1	financial	financial	ADJ
fsr-3455	418	2	services	service	NOUN
fsr-3455	418	3	review	review	PROPN
fsr-3455	418	4	,	,	PUNCT
fsr-3455	418	5	25	25	NUM
fsr-3455	418	6	,	,	PUNCT
fsr-3455	418	7	331–350	331–350	NUM
fsr-3455	418	8	.	.	PUNCT
fsr-3455	419	1	seay	seay	PROPN
fsr-3455	419	2	,	,	PUNCT
fsr-3455	419	3	m.	m.	PROPN
fsr-3455	419	4	c.	c.	PROPN
fsr-3455	419	5	,	,	PUNCT
fsr-3455	419	6	preece	preece	PROPN
fsr-3455	419	7	,	,	PUNCT
fsr-3455	419	8	g.	g.	PROPN
fsr-3455	419	9	l.	l.	PROPN
fsr-3455	419	10	,	,	PUNCT
fsr-3455	419	11	&	&	CCONJ
fsr-3455	419	12	le	le	PROPN
fsr-3455	419	13	,	,	PUNCT
fsr-3455	419	14	v.	v.	ADP
fsr-3455	419	15	c.	c.	PROPN
fsr-3455	419	16	(	(	PUNCT
fsr-3455	419	17	2017	2017	NUM
fsr-3455	419	18	)	)	PUNCT
fsr-3455	419	19	.	.	PUNCT
fsr-3455	420	1	financial	financial	ADJ
fsr-3455	420	2	literacy	literacy	NOUN
fsr-3455	420	3	and	and	CCONJ
fsr-3455	420	4	the	the	DET
fsr-3455	420	5	use	use	NOUN
fsr-3455	420	6	of	of	ADP
fsr-3455	420	7	interest	interest	NOUN
fsr-3455	420	8	-	-	PUNCT
fsr-3455	420	9	only	only	ADJ
fsr-3455	420	10	mortgages	mortgage	NOUN
fsr-3455	420	11	.	.	PUNCT
fsr-3455	421	1	journal	journal	NOUN
fsr-3455	421	2	of	of	ADP
fsr-3455	421	3	financial	financial	ADJ
fsr-3455	421	4	counseling	counseling	NOUN
fsr-3455	421	5	and	and	CCONJ
fsr-3455	421	6	planning	planning	NOUN
fsr-3455	421	7	,	,	PUNCT
fsr-3455	421	8	28	28	NUM
fsr-3455	421	9	,	,	PUNCT
fsr-3455	421	10	168–180	168–180	NUM
fsr-3455	421	11	.	.	PUNCT
fsr-3455	422	1	184	184	NUM
fsr-3455	422	2	k.	k.	PROPN
fsr-3455	422	3	white	white	PROPN
fsr-3455	422	4	et	et	PROPN
fsr-3455	422	5	al	al	PROPN
fsr-3455	422	6	.	.	PUNCT
fsr-3455	422	7	/	/	SYM
fsr-3455	422	8	financial	financial	ADJ
fsr-3455	422	9	services	service	NOUN
fsr-3455	422	10	review	review	VERB
fsr-3455	422	11	29	29	NUM
fsr-3455	422	12	(	(	PUNCT
fsr-3455	422	13	2021	2021	NUM
fsr-3455	422	14	)	)	PUNCT
fsr-3455	422	15	169–185	169–185	NUM
fsr-3455	422	16	shapiro	shapiro	NOUN
fsr-3455	422	17	,	,	PUNCT
fsr-3455	422	18	t.	t.	NOUN
fsr-3455	422	19	,	,	PUNCT
fsr-3455	422	20	meschede	meschede	NOUN
fsr-3455	422	21	,	,	PUNCT
fsr-3455	422	22	t.	t.	PROPN
fsr-3455	422	23	,	,	PUNCT
fsr-3455	422	24	&	&	CCONJ
fsr-3455	422	25	osoro	osoro	PROPN
fsr-3455	422	26	,	,	PUNCT
fsr-3455	422	27	s.	s.	PROPN
fsr-3455	422	28	(	(	PUNCT
fsr-3455	422	29	2013	2013	NUM
fsr-3455	422	30	)	)	PUNCT
fsr-3455	422	31	.	.	PUNCT
fsr-3455	423	1	the	the	DET
fsr-3455	423	2	roots	root	NOUN
fsr-3455	423	3	of	of	ADP
fsr-3455	423	4	the	the	DET
fsr-3455	423	5	widening	widen	VERB
fsr-3455	423	6	racial	racial	ADJ
fsr-3455	423	7	wealth	wealth	NOUN
fsr-3455	423	8	gap	gap	NOUN
fsr-3455	423	9	:	:	PUNCT
fsr-3455	423	10	explaining	explain	VERB
fsr-3455	423	11	the	the	DET
fsr-3455	423	12	black	black	ADJ
fsr-3455	423	13	-	-	PUNCT
fsr-3455	423	14	white	white	ADJ
fsr-3455	423	15	economic	economic	ADJ
fsr-3455	423	16	divide	divide	NOUN
fsr-3455	423	17	.	.	PUNCT
fsr-3455	424	1	[	[	X
fsr-3455	424	2	policy	policy	NOUN
fsr-3455	424	3	brief	brief	NOUN
fsr-3455	424	4	]	]	PUNCT
fsr-3455	424	5	.	.	PUNCT
fsr-3455	425	1	institute	institute	NOUN
fsr-3455	425	2	on	on	ADP
fsr-3455	425	3	assets	asset	NOUN
fsr-3455	425	4	and	and	CCONJ
fsr-3455	425	5	social	social	ADJ
fsr-3455	425	6	policy	policy	NOUN
fsr-3455	425	7	.	.	PUNCT
fsr-3455	426	1	available	available	ADJ
fsr-3455	426	2	at	at	ADP
fsr-3455	426	3	https://heller	https://heller	NOUN
fsr-3455	426	4	.	.	PUNCT
fsr-3455	427	1	brandeis.edu/iasp/pdfs/racial-wealth-equity/racial-wealth-gap/roots-widening-racial-wealth-gap.pdf	brandeis.edu/iasp/pdfs/racial-wealth-equity/racial-wealth-gap/roots-widening-racial-wealth-gap.pdf	PROPN
fsr-3455	427	2	skagerlund	skagerlund	PROPN
fsr-3455	427	3	,	,	PUNCT
fsr-3455	427	4	k.	k.	PROPN
fsr-3455	427	5	,	,	PUNCT
fsr-3455	427	6	lind	lind	PROPN
fsr-3455	427	7	,	,	PUNCT
fsr-3455	427	8	t.	t.	PROPN
fsr-3455	427	9	,	,	PUNCT
fsr-3455	427	10	strömbäck	strömbäck	PROPN
fsr-3455	427	11	,	,	PUNCT
fsr-3455	427	12	c.	c.	NOUN
fsr-3455	427	13	,	,	PUNCT
fsr-3455	427	14	tinghög	tinghög	PROPN
fsr-3455	427	15	,	,	PUNCT
fsr-3455	427	16	g.	g.	PROPN
fsr-3455	427	17	,	,	PUNCT
fsr-3455	427	18	&	&	CCONJ
fsr-3455	427	19	västfjäll	västfjäll	PROPN
fsr-3455	427	20	,	,	PUNCT
fsr-3455	427	21	d.	d.	PROPN
fsr-3455	427	22	(	(	PUNCT
fsr-3455	427	23	2018	2018	NUM
fsr-3455	427	24	)	)	PUNCT
fsr-3455	427	25	.	.	PUNCT
fsr-3455	428	1	financial	financial	ADJ
fsr-3455	428	2	literacy	literacy	NOUN
fsr-3455	428	3	and	and	CCONJ
fsr-3455	428	4	the	the	DET
fsr-3455	428	5	role	role	NOUN
fsr-3455	428	6	of	of	ADP
fsr-3455	428	7	numeracy	numeracy	NOUN
fsr-3455	428	8	–	–	PUNCT
fsr-3455	428	9	how	how	SCONJ
fsr-3455	428	10	individuals	individual	NOUN
fsr-3455	428	11	’	'	PUNCT
fsr-3455	428	12	attitude	attitude	NOUN
fsr-3455	428	13	and	and	CCONJ
fsr-3455	428	14	affinity	affinity	NOUN
fsr-3455	428	15	with	with	ADP
fsr-3455	428	16	numbers	number	NOUN
fsr-3455	428	17	influence	influence	VERB
fsr-3455	428	18	financial	financial	ADJ
fsr-3455	428	19	literacy	literacy	NOUN
fsr-3455	428	20	.	.	PUNCT
fsr-3455	429	1	journal	journal	NOUN
fsr-3455	429	2	of	of	ADP
fsr-3455	429	3	behavioral	behavioral	ADJ
fsr-3455	429	4	and	and	CCONJ
fsr-3455	429	5	experimental	experimental	ADJ
fsr-3455	429	6	economics	economic	NOUN
fsr-3455	429	7	,	,	PUNCT
fsr-3455	429	8	74	74	NUM
fsr-3455	429	9	,	,	PUNCT
fsr-3455	429	10	18–25	18–25	NUM
fsr-3455	429	11	.	.	PUNCT
fsr-3455	430	1	spuhlera	spuhlera	PROPN
fsr-3455	430	2	,	,	PUNCT
fsr-3455	430	3	b.	b.	PROPN
fsr-3455	430	4	k.	k.	PROPN
fsr-3455	430	5	,	,	PUNCT
fsr-3455	430	6	&	&	CCONJ
fsr-3455	430	7	dew	dew	PROPN
fsr-3455	430	8	,	,	PUNCT
fsr-3455	430	9	j.	j.	PROPN
fsr-3455	430	10	(	(	PUNCT
fsr-3455	430	11	2019	2019	NUM
fsr-3455	430	12	)	)	PUNCT
fsr-3455	430	13	.	.	PUNCT
fsr-3455	431	1	sound	sound	VERB
fsr-3455	431	2	financial	financial	ADJ
fsr-3455	431	3	management	management	NOUN
fsr-3455	431	4	and	and	CCONJ
fsr-3455	431	5	happiness	happiness	NOUN
fsr-3455	431	6	:	:	PUNCT
fsr-3455	431	7	economic	economic	ADJ
fsr-3455	431	8	pressure	pressure	NOUN
fsr-3455	431	9	and	and	CCONJ
fsr-3455	431	10	relationship	relationship	NOUN
fsr-3455	431	11	satisfaction	satisfaction	NOUN
fsr-3455	431	12	as	as	ADP
fsr-3455	431	13	mediators	mediator	NOUN
fsr-3455	431	14	.	.	PUNCT
fsr-3455	432	1	journal	journal	NOUN
fsr-3455	432	2	of	of	ADP
fsr-3455	432	3	financial	financial	ADJ
fsr-3455	432	4	counseling	counseling	NOUN
fsr-3455	432	5	and	and	CCONJ
fsr-3455	432	6	planning	planning	NOUN
fsr-3455	432	7	,	,	PUNCT
fsr-3455	432	8	30	30	NUM
fsr-3455	432	9	,	,	PUNCT
fsr-3455	432	10	157–174	157–174	NUM
fsr-3455	432	11	.	.	PUNCT
fsr-3455	432	12	tang	tang	PROPN
fsr-3455	432	13	,	,	PUNCT
fsr-3455	432	14	n.	n.	NOUN
fsr-3455	432	15	,	,	PUNCT
fsr-3455	432	16	&	&	CCONJ
fsr-3455	432	17	peter	peter	PROPN
fsr-3455	432	18	,	,	PUNCT
fsr-3455	432	19	p.	p.	PROPN
fsr-3455	432	20	c.	c.	PROPN
fsr-3455	432	21	(	(	PUNCT
fsr-3455	432	22	2015	2015	NUM
fsr-3455	432	23	)	)	PUNCT
fsr-3455	432	24	.	.	PUNCT
fsr-3455	433	1	financial	financial	ADJ
fsr-3455	433	2	knowledge	knowledge	NOUN
fsr-3455	433	3	acquisition	acquisition	NOUN
fsr-3455	433	4	among	among	ADP
fsr-3455	433	5	the	the	DET
fsr-3455	433	6	young	young	NOUN
fsr-3455	433	7	:	:	PUNCT
fsr-3455	433	8	the	the	DET
fsr-3455	433	9	role	role	NOUN
fsr-3455	433	10	of	of	ADP
fsr-3455	433	11	financial	financial	ADJ
fsr-3455	433	12	education	education	NOUN
fsr-3455	433	13	,	,	PUNCT
fsr-3455	433	14	financial	financial	ADJ
fsr-3455	433	15	experience	experience	NOUN
fsr-3455	433	16	,	,	PUNCT
fsr-3455	433	17	and	and	CCONJ
fsr-3455	433	18	parents	parent	NOUN
fsr-3455	433	19	’	’	PART
fsr-3455	433	20	financial	financial	ADJ
fsr-3455	433	21	experience	experience	NOUN
fsr-3455	433	22	.	.	PUNCT
fsr-3455	434	1	financial	financial	ADJ
fsr-3455	434	2	services	service	NOUN
fsr-3455	434	3	review	review	PROPN
fsr-3455	434	4	,	,	PUNCT
fsr-3455	434	5	24	24	NUM
fsr-3455	434	6	,	,	PUNCT
fsr-3455	434	7	119–138	119–138	NUM
fsr-3455	434	8	.	.	PUNCT
fsr-3455	435	1	varum	varum	PROPN
fsr-3455	435	2	,	,	PUNCT
fsr-3455	435	3	c.	c.	PROPN
fsr-3455	435	4	,	,	PUNCT
fsr-3455	435	5	&	&	CCONJ
fsr-3455	435	6	kolyban	kolyban	PROPN
fsr-3455	435	7	,	,	PUNCT
fsr-3455	435	8	a.	a.	NOUN
fsr-3455	435	9	(	(	PUNCT
fsr-3455	435	10	2014	2014	NUM
fsr-3455	435	11	)	)	PUNCT
fsr-3455	435	12	.	.	PUNCT
fsr-3455	436	1	wealth	wealth	NOUN
fsr-3455	436	2	and	and	CCONJ
fsr-3455	436	3	credit	credit	NOUN
fsr-3455	436	4	compliance	compliance	NOUN
fsr-3455	436	5	:	:	PUNCT
fsr-3455	436	6	does	do	VERB
fsr-3455	436	7	economic	economic	ADJ
fsr-3455	436	8	literacy	literacy	NOUN
fsr-3455	436	9	matter	matter	NOUN
fsr-3455	436	10	?	?	PUNCT
fsr-3455	437	1	financial	financial	ADJ
fsr-3455	437	2	services	service	NOUN
fsr-3455	437	3	review	review	NOUN
fsr-3455	437	4	,	,	PUNCT
fsr-3455	437	5	23	23	NUM
fsr-3455	437	6	,	,	PUNCT
fsr-3455	437	7	325–339	325–339	NUM
fsr-3455	437	8	.	.	PUNCT
fsr-3455	437	9	wagner	wagner	PROPN
fsr-3455	437	10	,	,	PUNCT
fsr-3455	437	11	j.	j.	PROPN
fsr-3455	437	12	(	(	PUNCT
fsr-3455	437	13	2019	2019	NUM
fsr-3455	437	14	)	)	PUNCT
fsr-3455	437	15	.	.	PUNCT
fsr-3455	438	1	financial	financial	ADJ
fsr-3455	438	2	education	education	NOUN
fsr-3455	438	3	and	and	CCONJ
fsr-3455	438	4	financial	financial	ADJ
fsr-3455	438	5	literacy	literacy	NOUN
fsr-3455	438	6	by	by	ADP
fsr-3455	438	7	income	income	NOUN
fsr-3455	438	8	and	and	CCONJ
fsr-3455	438	9	education	education	NOUN
fsr-3455	438	10	groups	group	NOUN
fsr-3455	438	11	.	.	PUNCT
fsr-3455	439	1	journal	journal	NOUN
fsr-3455	439	2	of	of	ADP
fsr-3455	439	3	financial	financial	ADJ
fsr-3455	439	4	counseling	counseling	NOUN
fsr-3455	439	5	and	and	CCONJ
fsr-3455	439	6	planning	planning	NOUN
fsr-3455	439	7	,	,	PUNCT
fsr-3455	439	8	30	30	NUM
fsr-3455	439	9	,	,	PUNCT
fsr-3455	439	10	132–141	132–141	NUM
fsr-3455	439	11	.	.	PUNCT
fsr-3455	440	1	willis	willis	PROPN
fsr-3455	440	2	,	,	PUNCT
fsr-3455	440	3	l.	l.	PROPN
fsr-3455	440	4	(	(	PUNCT
fsr-3455	440	5	2008	2008	NUM
fsr-3455	440	6	)	)	PUNCT
fsr-3455	440	7	.	.	PUNCT
fsr-3455	441	1	against	against	ADP
fsr-3455	441	2	financial	financial	ADJ
fsr-3455	441	3	literacy	literacy	NOUN
fsr-3455	441	4	education	education	NOUN
fsr-3455	441	5	.	.	PUNCT
fsr-3455	442	1	paper	paper	NOUN
fsr-3455	442	2	208	208	NUM
fsr-3455	442	3	.	.	PUNCT
fsr-3455	443	1	philadelphia	philadelphia	PROPN
fsr-3455	443	2	,	,	PUNCT
fsr-3455	443	3	pa	pa	PROPN
fsr-3455	443	4	:	:	PUNCT
fsr-3455	443	5	university	university	PROPN
fsr-3455	443	6	of	of	ADP
fsr-3455	443	7	pennsylvania	pennsylvania	PROPN
fsr-3455	443	8	law	law	PROPN
fsr-3455	443	9	school	school	NOUN
fsr-3455	443	10	.	.	PUNCT
fsr-3455	444	1	available	available	ADJ
fsr-3455	444	2	at	at	ADP
fsr-3455	444	3	https://heinonline.org/hol/landingpage?handle=hein.journals/	https://heinonline.org/hol/landingpage?handle=hein.journals/	PROPN
fsr-3455	444	4	ilr94&div=7&id=&page=	ilr94&div=7&id=&page=	PROPN
fsr-3455	444	5	k.	k.	PROPN
fsr-3455	444	6	white	white	PROPN
fsr-3455	444	7	et	et	PROPN
fsr-3455	444	8	al	al	PROPN
fsr-3455	444	9	.	.	PUNCT
fsr-3455	444	10	/	/	SYM
fsr-3455	444	11	financial	financial	ADJ
fsr-3455	444	12	services	service	NOUN
fsr-3455	444	13	review	review	AUX
fsr-3455	444	14	29	29	NUM
fsr-3455	444	15	(	(	PUNCT
fsr-3455	444	16	2021	2021	NUM
fsr-3455	444	17	)	)	PUNCT
fsr-3455	445	1	169–185	169–185	NUM
fsr-3455	445	2	185	185	NUM