id	sid	tid	token	lemma	pos
fsr-3485	1	1	financial	financial	ADJ
fsr-3485	1	2	professionals	professional	NOUN
fsr-3485	1	3	and	and	CCONJ
fsr-3485	1	4	financial	financial	ADJ
fsr-3485	1	5	well	well	NOUN
fsr-3485	1	6	-	-	PUNCT
fsr-3485	1	7	being	being	NOUN
fsr-3485	1	8	:	:	PUNCT
fsr-3485	1	9	evidence	evidence	NOUN
fsr-3485	1	10	from	from	ADP
fsr-3485	1	11	the	the	DET
fsr-3485	1	12	national	national	ADJ
fsr-3485	1	13	financial	financial	ADJ
fsr-3485	1	14	well	well	ADV
fsr-3485	1	15	-	-	PUNCT
fsr-3485	1	16	being	be	AUX
fsr-3485	1	17	survey	survey	NOUN
fsr-3485	1	18	richard	richard	PROPN
fsr-3485	1	19	stebbinsa	stebbinsa	PROPN
fsr-3485	1	20	,	,	PUNCT
fsr-3485	1	21	*	*	PUNCT
fsr-3485	1	22	,	,	PUNCT
fsr-3485	1	23	kyoung	kyoung	PROPN
fsr-3485	1	24	tae	tae	PROPN
fsr-3485	1	25	kima	kima	PROPN
fsr-3485	1	26	,	,	PUNCT
fsr-3485	1	27	martin	martin	PROPN
fsr-3485	1	28	seayb	seayb	PROPN
fsr-3485	1	29	adepartment	adepartment	PROPN
fsr-3485	1	30	of	of	ADP
fsr-3485	1	31	consumer	consumer	NOUN
fsr-3485	1	32	sciences	science	NOUN
fsr-3485	1	33	,	,	PUNCT
fsr-3485	1	34	university	university	NOUN
fsr-3485	1	35	of	of	ADP
fsr-3485	1	36	alabama	alabama	PROPN
fsr-3485	1	37	,	,	PUNCT
fsr-3485	1	38	tuscaloosa	tuscaloosa	PROPN
fsr-3485	1	39	,	,	PUNCT
fsr-3485	1	40	al	al	PROPN
fsr-3485	1	41	35487	35487	NUM
fsr-3485	1	42	,	,	PUNCT
fsr-3485	1	43	usa	usa	PROPN
fsr-3485	1	44	bdepartment	bdepartment	NOUN
fsr-3485	1	45	of	of	ADP
fsr-3485	1	46	personal	personal	ADJ
fsr-3485	1	47	financial	financial	ADJ
fsr-3485	1	48	planning	planning	NOUN
fsr-3485	1	49	,	,	PUNCT
fsr-3485	1	50	kansas	kansas	PROPN
fsr-3485	1	51	state	state	PROPN
fsr-3485	1	52	university	university	PROPN
fsr-3485	1	53	,	,	PUNCT
fsr-3485	1	54	manhattan	manhattan	PROPN
fsr-3485	1	55	,	,	PUNCT
fsr-3485	1	56	ks	ks	PROPN
fsr-3485	1	57	66506	66506	NUM
fsr-3485	1	58	,	,	PUNCT
fsr-3485	1	59	usa	usa	PROPN
fsr-3485	1	60	abstract	abstract	PROPN
fsr-3485	1	61	this	this	DET
fsr-3485	1	62	study	study	NOUN
fsr-3485	1	63	examined	examine	VERB
fsr-3485	1	64	the	the	DET
fsr-3485	1	65	association	association	NOUN
fsr-3485	1	66	between	between	ADP
fsr-3485	1	67	financial	financial	ADJ
fsr-3485	1	68	professional	professional	ADJ
fsr-3485	1	69	use	use	NOUN
fsr-3485	1	70	and	and	CCONJ
fsr-3485	1	71	financial	financial	ADJ
fsr-3485	1	72	well	well	NOUN
fsr-3485	1	73	-	-	PUNCT
fsr-3485	1	74	being	be	AUX
fsr-3485	1	75	using	use	VERB
fsr-3485	1	76	the	the	DET
fsr-3485	1	77	2016	2016	NUM
fsr-3485	1	78	national	national	ADJ
fsr-3485	1	79	financial	financial	ADJ
fsr-3485	1	80	well	well	ADV
fsr-3485	1	81	-	-	PUNCT
fsr-3485	1	82	being	being	NOUN
fsr-3485	1	83	survey	survey	NOUN
fsr-3485	1	84	.	.	PUNCT
fsr-3485	2	1	we	we	PRON
fsr-3485	2	2	tested	test	VERB
fsr-3485	2	3	financial	financial	ADJ
fsr-3485	2	4	well	well	NOUN
fsr-3485	2	5	-	-	PUNCT
fsr-3485	2	6	being	being	NOUN
fsr-3485	2	7	across	across	ADP
fsr-3485	2	8	various	various	ADJ
fsr-3485	2	9	sources	source	NOUN
fsr-3485	2	10	of	of	ADP
fsr-3485	2	11	financial	financial	ADJ
fsr-3485	2	12	advice	advice	NOUN
fsr-3485	2	13	such	such	ADJ
fsr-3485	2	14	as	as	ADP
fsr-3485	2	15	financial	financial	ADJ
fsr-3485	2	16	professionals	professional	NOUN
fsr-3485	2	17	,	,	PUNCT
fsr-3485	2	18	family	family	NOUN
fsr-3485	2	19	,	,	PUNCT
fsr-3485	2	20	employer	employer	NOUN
fsr-3485	2	21	,	,	PUNCT
fsr-3485	2	22	community	community	NOUN
fsr-3485	2	23	,	,	PUNCT
fsr-3485	2	24	financial	financial	ADJ
fsr-3485	2	25	institution	institution	NOUN
fsr-3485	2	26	,	,	PUNCT
fsr-3485	2	27	and	and	CCONJ
fsr-3485	2	28	government	government	NOUN
fsr-3485	2	29	.	.	PUNCT
fsr-3485	3	1	results	result	NOUN
fsr-3485	3	2	from	from	ADP
fsr-3485	3	3	the	the	DET
fsr-3485	3	4	logistic	logistic	ADJ
fsr-3485	3	5	regression	regression	NOUN
fsr-3485	3	6	showed	show	VERB
fsr-3485	3	7	that	that	SCONJ
fsr-3485	3	8	those	those	PRON
fsr-3485	3	9	who	who	PRON
fsr-3485	3	10	received	receive	VERB
fsr-3485	3	11	advice	advice	NOUN
fsr-3485	3	12	from	from	ADP
fsr-3485	3	13	financial	financial	ADJ
fsr-3485	3	14	professionals	professional	NOUN
fsr-3485	3	15	had	have	VERB
fsr-3485	3	16	higher	high	ADJ
fsr-3485	3	17	levels	level	NOUN
fsr-3485	3	18	of	of	ADP
fsr-3485	3	19	financial	financial	ADJ
fsr-3485	3	20	well	well	NOUN
fsr-3485	3	21	-	-	PUNCT
fsr-3485	3	22	being	being	NOUN
fsr-3485	3	23	than	than	ADP
fsr-3485	3	24	those	those	PRON
fsr-3485	3	25	who	who	PRON
fsr-3485	3	26	did	do	AUX
fsr-3485	3	27	not	not	PART
fsr-3485	3	28	receive	receive	VERB
fsr-3485	3	29	advice	advice	NOUN
fsr-3485	3	30	from	from	ADP
fsr-3485	3	31	a	a	DET
fsr-3485	3	32	financial	financial	ADJ
fsr-3485	3	33	professional	professional	NOUN
fsr-3485	3	34	.	.	PUNCT
fsr-3485	4	1	additional	additional	ADJ
fsr-3485	4	2	analyses	analysis	NOUN
fsr-3485	4	3	with	with	ADP
fsr-3485	4	4	those	those	PRON
fsr-3485	4	5	who	who	PRON
fsr-3485	4	6	received	receive	VERB
fsr-3485	4	7	financial	financial	ADJ
fsr-3485	4	8	advice	advice	NOUN
fsr-3485	4	9	from	from	ADP
fsr-3485	4	10	any	any	DET
fsr-3485	4	11	source	source	NOUN
fsr-3485	4	12	also	also	ADV
fsr-3485	4	13	showed	show	VERB
fsr-3485	4	14	that	that	SCONJ
fsr-3485	4	15	use	use	NOUN
fsr-3485	4	16	of	of	ADP
fsr-3485	4	17	a	a	DET
fsr-3485	4	18	financial	financial	ADJ
fsr-3485	4	19	professional	professional	NOUN
fsr-3485	4	20	had	have	VERB
fsr-3485	4	21	a	a	DET
fsr-3485	4	22	stronger	strong	ADJ
fsr-3485	4	23	positive	positive	ADJ
fsr-3485	4	24	association	association	NOUN
fsr-3485	4	25	with	with	ADP
fsr-3485	4	26	financial	financial	ADJ
fsr-3485	4	27	well	well	NOUN
fsr-3485	4	28	-	-	PUNCT
fsr-3485	4	29	being	being	NOUN
fsr-3485	4	30	.	.	PUNCT
fsr-3485	5	1	this	this	DET
fsr-3485	5	2	study	study	NOUN
fsr-3485	5	3	provides	provide	VERB
fsr-3485	5	4	important	important	ADJ
fsr-3485	5	5	insights	insight	NOUN
fsr-3485	5	6	to	to	PART
fsr-3485	5	7	help	help	VERB
fsr-3485	5	8	consumers	consumer	NOUN
fsr-3485	5	9	and	and	CCONJ
fsr-3485	5	10	educators	educator	NOUN
fsr-3485	5	11	better	well	ADV
fsr-3485	5	12	understand	understand	VERB
fsr-3485	5	13	the	the	DET
fsr-3485	5	14	value	value	NOUN
fsr-3485	5	15	of	of	ADP
fsr-3485	5	16	financial	financial	ADJ
fsr-3485	5	17	professionals	professional	NOUN
fsr-3485	5	18	.	.	PUNCT
fsr-3485	6	1	©	©	PROPN
fsr-3485	6	2	2022	2022	NUM
fsr-3485	6	3	academy	academy	NOUN
fsr-3485	6	4	of	of	ADP
fsr-3485	6	5	financial	financial	ADJ
fsr-3485	6	6	services	service	NOUN
fsr-3485	6	7	.	.	PUNCT
fsr-3485	7	1	all	all	DET
fsr-3485	7	2	rights	right	NOUN
fsr-3485	7	3	reserved	reserve	VERB
fsr-3485	7	4	.	.	PUNCT
fsr-3485	8	1	jel	jel	PROPN
fsr-3485	8	2	classifications	classification	NOUN
fsr-3485	8	3	:	:	PUNCT
fsr-3485	8	4	d12	d12	NUM
fsr-3485	8	5	;	;	PUNCT
fsr-3485	8	6	d14	d14	NOUN
fsr-3485	8	7	keywords	keyword	NOUN
fsr-3485	8	8	:	:	PUNCT
fsr-3485	8	9	source	source	NOUN
fsr-3485	8	10	of	of	ADP
fsr-3485	8	11	financial	financial	ADJ
fsr-3485	8	12	advice	advice	NOUN
fsr-3485	8	13	;	;	PUNCT
fsr-3485	8	14	financial	financial	ADJ
fsr-3485	8	15	professionals	professional	NOUN
fsr-3485	8	16	use	use	VERB
fsr-3485	8	17	;	;	PUNCT
fsr-3485	8	18	financial	financial	ADJ
fsr-3485	8	19	well	well	NOUN
fsr-3485	8	20	-	-	PUNCT
fsr-3485	8	21	being	being	NOUN
fsr-3485	8	22	;	;	PUNCT
fsr-3485	8	23	national	national	ADJ
fsr-3485	8	24	financial	financial	ADJ
fsr-3485	8	25	well	well	ADV
fsr-3485	8	26	-	-	PUNCT
fsr-3485	8	27	being	being	NOUN
fsr-3485	8	28	survey	survey	NOUN
fsr-3485	8	29	1	1	NUM
fsr-3485	8	30	.	.	PUNCT
fsr-3485	8	31	introduction	introduction	NOUN
fsr-3485	8	32	seeking	seek	VERB
fsr-3485	8	33	out	out	ADP
fsr-3485	8	34	and	and	CCONJ
fsr-3485	8	35	using	use	VERB
fsr-3485	8	36	financial	financial	ADJ
fsr-3485	8	37	advice	advice	NOUN
fsr-3485	8	38	is	be	AUX
fsr-3485	8	39	a	a	DET
fsr-3485	8	40	form	form	NOUN
fsr-3485	8	41	of	of	ADP
fsr-3485	8	42	help	help	NOUN
fsr-3485	8	43	-	-	PUNCT
fsr-3485	8	44	seeking	seek	VERB
fsr-3485	8	45	behavior	behavior	NOUN
fsr-3485	8	46	driven	drive	VERB
fsr-3485	8	47	by	by	ADP
fsr-3485	8	48	the	the	DET
fsr-3485	8	49	need	need	NOUN
fsr-3485	8	50	to	to	PART
fsr-3485	8	51	“	"	PUNCT
fsr-3485	8	52	solve	solve	VERB
fsr-3485	8	53	problems	problem	NOUN
fsr-3485	8	54	,	,	PUNCT
fsr-3485	8	55	meet	meet	VERB
fsr-3485	8	56	needs	need	NOUN
fsr-3485	8	57	,	,	PUNCT
fsr-3485	8	58	and	and	CCONJ
fsr-3485	8	59	reach	reach	VERB
fsr-3485	8	60	goals	goal	NOUN
fsr-3485	8	61	related	relate	VERB
fsr-3485	8	62	to	to	ADP
fsr-3485	8	63	financial	financial	ADJ
fsr-3485	8	64	subjects	subject	NOUN
fsr-3485	8	65	”	"	PUNCT
fsr-3485	8	66	(	(	PUNCT
fsr-3485	8	67	fan	fan	NOUN
fsr-3485	8	68	,	,	PUNCT
fsr-3485	8	69	2021	2021	NUM
fsr-3485	8	70	)	)	PUNCT
fsr-3485	8	71	.	.	PUNCT
fsr-3485	9	1	prior	prior	ADJ
fsr-3485	9	2	research	research	NOUN
fsr-3485	9	3	created	create	VERB
fsr-3485	9	4	a	a	DET
fsr-3485	9	5	framework	framework	NOUN
fsr-3485	9	6	for	for	ADP
fsr-3485	9	7	financial	financial	ADJ
fsr-3485	9	8	help	help	NOUN
fsr-3485	9	9	-	-	PUNCT
fsr-3485	9	10	seeking	seek	VERB
fsr-3485	9	11	behavior	behavior	NOUN
fsr-3485	9	12	using	use	VERB
fsr-3485	9	13	help	help	AUX
fsr-3485	9	14	-	-	PUNCT
fsr-3485	9	15	seeking	seek	VERB
fsr-3485	9	16	processes	process	NOUN
fsr-3485	9	17	in	in	ADP
fsr-3485	9	18	health	health	NOUN
fsr-3485	9	19	care	care	NOUN
fsr-3485	9	20	decisions	decision	NOUN
fsr-3485	9	21	(	(	PUNCT
fsr-3485	9	22	e.g.	e.g.	ADV
fsr-3485	9	23	,	,	PUNCT
fsr-3485	9	24	grable	grable	PROPN
fsr-3485	9	25	&	&	CCONJ
fsr-3485	9	26	joo	joo	PROPN
fsr-3485	9	27	,	,	PUNCT
fsr-3485	9	28	1999	1999	NUM
fsr-3485	9	29	)	)	PUNCT
fsr-3485	9	30	.	.	PUNCT
fsr-3485	10	1	this	this	DET
fsr-3485	10	2	framework	framework	NOUN
fsr-3485	10	3	provides	provide	VERB
fsr-3485	10	4	five	five	NUM
fsr-3485	10	5	*	*	ADJ
fsr-3485	10	6	corresponding	correspond	VERB
fsr-3485	10	7	author	author	NOUN
fsr-3485	10	8	:	:	PUNCT
fsr-3485	10	9	tel	tel	PROPN
fsr-3485	10	10	.	.	PUNCT
fsr-3485	10	11	:	:	PUNCT
fsr-3485	10	12	205	205	NUM
fsr-3485	10	13	-	-	SYM
fsr-3485	10	14	348	348	NUM
fsr-3485	10	15	-	-	PUNCT
fsr-3485	10	16	6057	6057	NUM
fsr-3485	10	17	;	;	PUNCT
fsr-3485	10	18	fax	fax	NOUN
fsr-3485	10	19	:	:	PUNCT
fsr-3485	10	20	205	205	NUM
fsr-3485	10	21	-	-	SYM
fsr-3485	10	22	348	348	NUM
fsr-3485	10	23	-	-	PUNCT
fsr-3485	10	24	8721	8721	NUM
fsr-3485	10	25	.	.	PUNCT
fsr-3485	11	1	e	e	X
fsr-3485	11	2	-	-	NOUN
fsr-3485	11	3	mail	mail	NOUN
fsr-3485	11	4	address	address	NOUN
fsr-3485	11	5	:	:	PUNCT
fsr-3485	11	6	rstebbins@ua.edu	rstebbins@ua.edu	PROPN
fsr-3485	11	7	1057	1057	NUM
fsr-3485	11	8	-	-	SYM
fsr-3485	11	9	0810/22/$	0810/22/$	NUM
fsr-3485	11	10	–	–	PUNCT
fsr-3485	11	11	see	see	VERB
fsr-3485	11	12	front	front	ADJ
fsr-3485	11	13	matter	matter	NOUN
fsr-3485	11	14	©	©	PROPN
fsr-3485	11	15	2022	2022	NUM
fsr-3485	11	16	academy	academy	NOUN
fsr-3485	11	17	of	of	ADP
fsr-3485	11	18	financial	financial	ADJ
fsr-3485	11	19	services	service	NOUN
fsr-3485	11	20	.	.	PUNCT
fsr-3485	12	1	all	all	DET
fsr-3485	12	2	rights	right	NOUN
fsr-3485	12	3	reserved	reserve	VERB
fsr-3485	12	4	.	.	PUNCT
fsr-3485	13	1	financial	financial	ADJ
fsr-3485	13	2	services	service	NOUN
fsr-3485	13	3	review	review	VERB
fsr-3485	13	4	30	30	NUM
fsr-3485	13	5	(	(	PUNCT
fsr-3485	13	6	2022	2022	NUM
fsr-3485	13	7	)	)	PUNCT
fsr-3485	13	8	191–204	191–204	NUM
fsr-3485	13	9	stages	stage	NOUN
fsr-3485	13	10	for	for	ADP
fsr-3485	13	11	consideration	consideration	NOUN
fsr-3485	13	12	:	:	PUNCT
fsr-3485	13	13	(	(	PUNCT
fsr-3485	13	14	1	1	X
fsr-3485	13	15	)	)	PUNCT
fsr-3485	13	16	financial	financial	ADJ
fsr-3485	13	17	behaviors	behavior	NOUN
fsr-3485	13	18	,	,	PUNCT
fsr-3485	13	19	(	(	PUNCT
fsr-3485	13	20	2	2	X
fsr-3485	13	21	)	)	PUNCT
fsr-3485	13	22	self	self	NOUN
fsr-3485	13	23	-	-	PUNCT
fsr-3485	13	24	evaluation	evaluation	NOUN
fsr-3485	13	25	of	of	ADP
fsr-3485	13	26	financial	financial	ADJ
fsr-3485	13	27	behaviors	behavior	NOUN
fsr-3485	13	28	,	,	PUNCT
fsr-3485	13	29	(	(	PUNCT
fsr-3485	13	30	3	3	X
fsr-3485	13	31	)	)	PUNCT
fsr-3485	13	32	the	the	DET
fsr-3485	13	33	identification	identification	NOUN
fsr-3485	13	34	of	of	ADP
fsr-3485	13	35	the	the	DET
fsr-3485	13	36	causes	cause	NOUN
fsr-3485	13	37	of	of	ADP
fsr-3485	13	38	financial	financial	ADJ
fsr-3485	13	39	behaviors	behavior	NOUN
fsr-3485	13	40	,	,	PUNCT
fsr-3485	13	41	(	(	PUNCT
fsr-3485	13	42	4	4	X
fsr-3485	13	43	)	)	PUNCT
fsr-3485	13	44	decision	decision	NOUN
fsr-3485	13	45	to	to	PART
fsr-3485	13	46	seek	seek	VERB
fsr-3485	13	47	help	help	NOUN
fsr-3485	13	48	,	,	PUNCT
fsr-3485	13	49	and	and	CCONJ
fsr-3485	13	50	(	(	PUNCT
fsr-3485	13	51	5	5	X
fsr-3485	13	52	)	)	PUNCT
fsr-3485	13	53	choosing	choose	VERB
fsr-3485	13	54	an	an	DET
fsr-3485	13	55	assistance	assistance	NOUN
fsr-3485	13	56	option	option	NOUN
fsr-3485	13	57	(	(	PUNCT
fsr-3485	13	58	grable	grable	NOUN
fsr-3485	13	59	&	&	CCONJ
fsr-3485	13	60	joo	joo	PROPN
fsr-3485	13	61	,	,	PUNCT
fsr-3485	13	62	1999	1999	NUM
fsr-3485	13	63	)	)	PUNCT
fsr-3485	13	64	.	.	PUNCT
fsr-3485	14	1	age	age	NOUN
fsr-3485	14	2	,	,	PUNCT
fsr-3485	14	3	education	education	NOUN
fsr-3485	14	4	,	,	PUNCT
fsr-3485	14	5	income	income	NOUN
fsr-3485	14	6	,	,	PUNCT
fsr-3485	14	7	and	and	CCONJ
fsr-3485	14	8	self	self	NOUN
fsr-3485	14	9	-	-	PUNCT
fsr-3485	14	10	esteem	esteem	NOUN
fsr-3485	14	11	tend	tend	VERB
fsr-3485	14	12	to	to	PART
fsr-3485	14	13	be	be	AUX
fsr-3485	14	14	the	the	DET
fsr-3485	14	15	factors	factor	NOUN
fsr-3485	14	16	that	that	PRON
fsr-3485	14	17	most	most	ADV
fsr-3485	14	18	directly	directly	ADV
fsr-3485	14	19	influence	influence	VERB
fsr-3485	14	20	choice	choice	NOUN
fsr-3485	14	21	of	of	ADP
fsr-3485	14	22	help	help	NOUN
fsr-3485	14	23	-	-	PUNCT
fsr-3485	14	24	provider	provider	NOUN
fsr-3485	14	25	(	(	PUNCT
fsr-3485	14	26	grable	grable	PROPN
fsr-3485	14	27	&	&	CCONJ
fsr-3485	14	28	joo	joo	PROPN
fsr-3485	14	29	,	,	PUNCT
fsr-3485	14	30	2003	2003	NUM
fsr-3485	14	31	)	)	PUNCT
fsr-3485	14	32	.	.	PUNCT
fsr-3485	15	1	there	there	PRON
fsr-3485	15	2	are	be	VERB
fsr-3485	15	3	also	also	ADV
fsr-3485	15	4	certain	certain	ADJ
fsr-3485	15	5	characteristics	characteristic	NOUN
fsr-3485	15	6	that	that	SCONJ
fsr-3485	15	7	those	those	PRON
fsr-3485	15	8	likely	likely	ADJ
fsr-3485	15	9	to	to	PART
fsr-3485	15	10	help	help	AUX
fsr-3485	15	11	-	-	PUNCT
fsr-3485	15	12	seek	seek	VERB
fsr-3485	15	13	seem	seem	VERB
fsr-3485	15	14	to	to	PART
fsr-3485	15	15	share	share	VERB
fsr-3485	15	16	across	across	ADP
fsr-3485	15	17	studies	study	NOUN
fsr-3485	15	18	.	.	PUNCT
fsr-3485	16	1	older	old	ADJ
fsr-3485	16	2	adults	adult	NOUN
fsr-3485	16	3	with	with	ADP
fsr-3485	16	4	higher	high	ADJ
fsr-3485	16	5	levels	level	NOUN
fsr-3485	16	6	of	of	ADP
fsr-3485	16	7	financial	financial	ADJ
fsr-3485	16	8	literacy	literacy	NOUN
fsr-3485	16	9	and	and	CCONJ
fsr-3485	16	10	cognitive	cognitive	ADJ
fsr-3485	16	11	ability	ability	NOUN
fsr-3485	16	12	are	be	AUX
fsr-3485	16	13	more	more	ADV
fsr-3485	16	14	likely	likely	ADJ
fsr-3485	16	15	to	to	PART
fsr-3485	16	16	seek	seek	VERB
fsr-3485	16	17	advice	advice	NOUN
fsr-3485	16	18	from	from	ADP
fsr-3485	16	19	a	a	DET
fsr-3485	16	20	financial	financial	ADJ
fsr-3485	16	21	professional	professional	NOUN
fsr-3485	16	22	(	(	PUNCT
fsr-3485	16	23	kim	kim	PROPN
fsr-3485	16	24	,	,	PUNCT
fsr-3485	16	25	maurer	maurer	PROPN
fsr-3485	16	26	,	,	PUNCT
fsr-3485	16	27	&	&	CCONJ
fsr-3485	16	28	mitchell	mitchell	PROPN
fsr-3485	16	29	,	,	PUNCT
fsr-3485	16	30	2019	2019	NUM
fsr-3485	16	31	)	)	PUNCT
fsr-3485	16	32	.	.	PUNCT
fsr-3485	17	1	among	among	ADP
fsr-3485	17	2	students	student	NOUN
fsr-3485	17	3	,	,	PUNCT
fsr-3485	17	4	older	old	ADJ
fsr-3485	17	5	students	student	NOUN
fsr-3485	17	6	with	with	ADP
fsr-3485	17	7	less	less	ADJ
fsr-3485	17	8	net	net	ADJ
fsr-3485	17	9	worth	worth	NOUN
fsr-3485	17	10	and	and	CCONJ
fsr-3485	17	11	financial	financial	ADJ
fsr-3485	17	12	knowledge	knowledge	NOUN
fsr-3485	17	13	were	be	AUX
fsr-3485	17	14	more	more	ADV
fsr-3485	17	15	likely	likely	ADJ
fsr-3485	17	16	to	to	PART
fsr-3485	17	17	seek	seek	VERB
fsr-3485	17	18	advice	advice	NOUN
fsr-3485	17	19	(	(	PUNCT
fsr-3485	17	20	britt	britt	NOUN
fsr-3485	17	21	,	,	PUNCT
fsr-3485	17	22	grable	grable	ADJ
fsr-3485	17	23	,	,	PUNCT
fsr-3485	17	24	cumbie	cumbie	NOUN
fsr-3485	17	25	,	,	PUNCT
fsr-3485	17	26	cupples	cupple	NOUN
fsr-3485	17	27	,	,	PUNCT
fsr-3485	17	28	henegar	henegar	NOUN
fsr-3485	17	29	,	,	PUNCT
fsr-3485	17	30	schindler	schindler	NOUN
fsr-3485	17	31	,	,	PUNCT
fsr-3485	17	32	&	&	CCONJ
fsr-3485	17	33	archuleta	archuleta	PROPN
fsr-3485	17	34	,	,	PUNCT
fsr-3485	17	35	2011	2011	NUM
fsr-3485	17	36	)	)	PUNCT
fsr-3485	17	37	.	.	PUNCT
fsr-3485	18	1	finding	find	VERB
fsr-3485	18	2	a	a	DET
fsr-3485	18	3	source	source	NOUN
fsr-3485	18	4	of	of	ADP
fsr-3485	18	5	financial	financial	ADJ
fsr-3485	18	6	advice	advice	NOUN
fsr-3485	18	7	is	be	AUX
fsr-3485	18	8	relatively	relatively	ADV
fsr-3485	18	9	easy	easy	ADJ
fsr-3485	18	10	.	.	PUNCT
fsr-3485	19	1	a	a	DET
fsr-3485	19	2	public	public	ADJ
fsr-3485	19	3	awareness	awareness	NOUN
fsr-3485	19	4	campaign	campaign	NOUN
fsr-3485	19	5	launched	launch	VERB
fsr-3485	19	6	by	by	ADP
fsr-3485	19	7	the	the	DET
fsr-3485	19	8	certified	certify	VERB
fsr-3485	19	9	financial	financial	ADJ
fsr-3485	19	10	planner	planner	NOUN
fsr-3485	19	11	board	board	NOUN
fsr-3485	19	12	of	of	ADP
fsr-3485	19	13	standards	standard	NOUN
fsr-3485	19	14	,	,	PUNCT
fsr-3485	19	15	inc	inc	PROPN
fsr-3485	19	16	.	.	PROPN
fsr-3485	19	17	(	(	PUNCT
fsr-3485	19	18	cfp	cfp	PROPN
fsr-3485	19	19	board	board	PROPN
fsr-3485	19	20	)	)	PUNCT
fsr-3485	19	21	in	in	ADP
fsr-3485	19	22	2010	2010	NUM
fsr-3485	19	23	increased	increase	VERB
fsr-3485	19	24	awareness	awareness	NOUN
fsr-3485	19	25	of	of	ADP
fsr-3485	19	26	the	the	DET
fsr-3485	19	27	cfp	cfp	PROPN
fsr-3485	19	28	certification	certification	NOUN
fsr-3485	19	29	in	in	ADP
fsr-3485	19	30	the	the	DET
fsr-3485	19	31	united	united	PROPN
fsr-3485	19	32	st	st	PROPN
fsr-3485	19	33	from	from	ADP
fsr-3485	19	34	17	17	NUM
fsr-3485	19	35	%	%	NOUN
fsr-3485	19	36	in	in	ADP
fsr-3485	19	37	2011	2011	NUM
fsr-3485	19	38	to	to	ADP
fsr-3485	19	39	34	34	NUM
fsr-3485	19	40	%	%	NOUN
fsr-3485	19	41	in	in	ADP
fsr-3485	19	42	2015	2015	NUM
fsr-3485	19	43	(	(	PUNCT
fsr-3485	19	44	cfp	cfp	PROPN
fsr-3485	19	45	board	board	NOUN
fsr-3485	19	46	,	,	PUNCT
fsr-3485	19	47	2015	2015	NUM
fsr-3485	19	48	)	)	PUNCT
fsr-3485	19	49	.	.	PUNCT
fsr-3485	20	1	the	the	DET
fsr-3485	20	2	cfp	cfp	PROPN
fsr-3485	20	3	board	board	PROPN
fsr-3485	20	4	has	have	AUX
fsr-3485	20	5	spent	spend	VERB
fsr-3485	20	6	over	over	ADP
fsr-3485	20	7	$	$	SYM
fsr-3485	20	8	90	90	NUM
fsr-3485	20	9	million	million	NUM
fsr-3485	20	10	on	on	ADP
fsr-3485	20	11	marketing	marketing	NOUN
fsr-3485	20	12	since	since	SCONJ
fsr-3485	20	13	2011	2011	NUM
fsr-3485	20	14	,	,	PUNCT
fsr-3485	20	15	with	with	ADP
fsr-3485	20	16	another	another	DET
fsr-3485	20	17	campaign	campaign	NOUN
fsr-3485	20	18	,	,	PUNCT
fsr-3485	20	19	with	with	ADP
fsr-3485	20	20	a	a	DET
fsr-3485	20	21	cfp	cfp	PROPN
fsr-3485	20	22	professional	professional	NOUN
fsr-3485	20	23	,	,	PUNCT
fsr-3485	20	24	launched	launch	VERB
fsr-3485	20	25	in	in	ADP
fsr-3485	20	26	2018	2018	NUM
fsr-3485	20	27	(	(	PUNCT
fsr-3485	20	28	cfp	cfp	PROPN
fsr-3485	20	29	board	board	NOUN
fsr-3485	20	30	,	,	PUNCT
fsr-3485	20	31	2021	2021	NUM
fsr-3485	20	32	)	)	PUNCT
fsr-3485	20	33	.	.	PUNCT
fsr-3485	21	1	the	the	DET
fsr-3485	21	2	percentage	percentage	NOUN
fsr-3485	21	3	of	of	ADP
fsr-3485	21	4	households	household	NOUN
fsr-3485	21	5	using	use	VERB
fsr-3485	21	6	financial	financial	ADJ
fsr-3485	21	7	advice	advice	NOUN
fsr-3485	21	8	has	have	AUX
fsr-3485	21	9	been	be	AUX
fsr-3485	21	10	reported	report	VERB
fsr-3485	21	11	at	at	ADP
fsr-3485	21	12	27	27	NUM
fsr-3485	21	13	%	%	NOUN
fsr-3485	21	14	(	(	PUNCT
fsr-3485	21	15	elmerick	elmerick	PROPN
fsr-3485	21	16	,	,	PUNCT
fsr-3485	21	17	montalto	montalto	PROPN
fsr-3485	21	18	,	,	PUNCT
fsr-3485	21	19	&	&	CCONJ
fsr-3485	21	20	fox	fox	PROPN
fsr-3485	21	21	,	,	PUNCT
fsr-3485	21	22	2002	2002	NUM
fsr-3485	21	23	;	;	PUNCT
fsr-3485	21	24	hanna	hanna	PROPN
fsr-3485	21	25	,	,	PUNCT
fsr-3485	21	26	2011	2011	NUM
fsr-3485	21	27	)	)	PUNCT
fsr-3485	21	28	,	,	PUNCT
fsr-3485	21	29	similar	similar	ADJ
fsr-3485	21	30	to	to	ADP
fsr-3485	21	31	the	the	DET
fsr-3485	21	32	26.55	26.55	NUM
fsr-3485	21	33	%	%	NOUN
fsr-3485	21	34	found	find	VERB
fsr-3485	21	35	in	in	ADP
fsr-3485	21	36	the	the	DET
fsr-3485	21	37	current	current	ADJ
fsr-3485	21	38	study	study	NOUN
fsr-3485	21	39	.	.	PUNCT
fsr-3485	22	1	however	however	ADV
fsr-3485	22	2	,	,	PUNCT
fsr-3485	22	3	not	not	PART
fsr-3485	22	4	all	all	DET
fsr-3485	22	5	sources	source	NOUN
fsr-3485	22	6	of	of	ADP
fsr-3485	22	7	advice	advice	NOUN
fsr-3485	22	8	are	be	AUX
fsr-3485	22	9	equal	equal	ADJ
fsr-3485	22	10	.	.	PUNCT
fsr-3485	23	1	financial	financial	ADJ
fsr-3485	23	2	professionals	professional	NOUN
fsr-3485	23	3	may	may	AUX
fsr-3485	23	4	provide	provide	VERB
fsr-3485	23	5	a	a	DET
fsr-3485	23	6	wide	wide	ADJ
fsr-3485	23	7	range	range	NOUN
fsr-3485	23	8	of	of	ADP
fsr-3485	23	9	services	service	NOUN
fsr-3485	23	10	for	for	ADP
fsr-3485	23	11	clients	client	NOUN
fsr-3485	23	12	,	,	PUNCT
fsr-3485	23	13	from	from	ADP
fsr-3485	23	14	helping	help	VERB
fsr-3485	23	15	plan	plan	NOUN
fsr-3485	23	16	for	for	ADP
fsr-3485	23	17	a	a	DET
fsr-3485	23	18	child	child	NOUN
fsr-3485	23	19	’s	’s	PART
fsr-3485	23	20	education	education	NOUN
fsr-3485	23	21	to	to	ADP
fsr-3485	23	22	creating	create	VERB
fsr-3485	23	23	a	a	DET
fsr-3485	23	24	comprehensive	comprehensive	ADJ
fsr-3485	23	25	financial	financial	ADJ
fsr-3485	23	26	plan	plan	NOUN
fsr-3485	23	27	(	(	PUNCT
fsr-3485	23	28	elmerick	elmerick	PROPN
fsr-3485	23	29	,	,	PUNCT
fsr-3485	23	30	montalto	montalto	PROPN
fsr-3485	23	31	,	,	PUNCT
fsr-3485	23	32	&	&	CCONJ
fsr-3485	23	33	fox	fox	PROPN
fsr-3485	23	34	,	,	PUNCT
fsr-3485	23	35	2002	2002	NUM
fsr-3485	23	36	)	)	PUNCT
fsr-3485	23	37	.	.	PUNCT
fsr-3485	24	1	the	the	DET
fsr-3485	24	2	relationship	relationship	NOUN
fsr-3485	24	3	may	may	AUX
fsr-3485	24	4	be	be	AUX
fsr-3485	24	5	limited	limit	VERB
fsr-3485	24	6	in	in	ADP
fsr-3485	24	7	scope	scope	NOUN
fsr-3485	24	8	and	and	CCONJ
fsr-3485	24	9	time	time	NOUN
fsr-3485	24	10	or	or	CCONJ
fsr-3485	24	11	extend	extend	VERB
fsr-3485	24	12	for	for	ADP
fsr-3485	24	13	a	a	DET
fsr-3485	24	14	lifetime	lifetime	NOUN
fsr-3485	24	15	.	.	PUNCT
fsr-3485	25	1	research	research	NOUN
fsr-3485	25	2	has	have	AUX
fsr-3485	25	3	also	also	ADV
fsr-3485	25	4	connected	connect	VERB
fsr-3485	25	5	the	the	DET
fsr-3485	25	6	use	use	NOUN
fsr-3485	25	7	of	of	ADP
fsr-3485	25	8	a	a	DET
fsr-3485	25	9	financial	financial	ADJ
fsr-3485	25	10	planner	planner	NOUN
fsr-3485	25	11	with	with	ADP
fsr-3485	25	12	increased	increase	VERB
fsr-3485	25	13	financial	financial	ADJ
fsr-3485	25	14	knowledge	knowledge	NOUN
fsr-3485	25	15	(	(	PUNCT
fsr-3485	25	16	robb	robb	NOUN
fsr-3485	25	17	,	,	PUNCT
fsr-3485	25	18	babiarz	babiarz	PROPN
fsr-3485	25	19	,	,	PUNCT
fsr-3485	25	20	&	&	CCONJ
fsr-3485	25	21	woodyard	woodyard	PROPN
fsr-3485	25	22	,	,	PUNCT
fsr-3485	25	23	2012	2012	NUM
fsr-3485	25	24	)	)	PUNCT
fsr-3485	25	25	,	,	PUNCT
fsr-3485	25	26	which	which	PRON
fsr-3485	25	27	influences	influence	VERB
fsr-3485	25	28	the	the	DET
fsr-3485	25	29	ability	ability	NOUN
fsr-3485	25	30	to	to	PART
fsr-3485	25	31	meet	meet	VERB
fsr-3485	25	32	financial	financial	ADJ
fsr-3485	25	33	obligations	obligation	NOUN
fsr-3485	25	34	and	and	CCONJ
fsr-3485	25	35	make	make	VERB
fsr-3485	25	36	investment	investment	NOUN
fsr-3485	25	37	decisions	decision	NOUN
fsr-3485	25	38	(	(	PUNCT
fsr-3485	25	39	hilgert	hilgert	PROPN
fsr-3485	25	40	,	,	PUNCT
fsr-3485	25	41	hogarth	hogarth	NOUN
fsr-3485	25	42	,	,	PUNCT
fsr-3485	25	43	&	&	CCONJ
fsr-3485	25	44	beverly	beverly	PROPN
fsr-3485	25	45	,	,	PUNCT
fsr-3485	25	46	2003	2003	NUM
fsr-3485	25	47	)	)	PUNCT
fsr-3485	25	48	.	.	PUNCT
fsr-3485	26	1	planning	plan	VERB
fsr-3485	26	2	for	for	ADP
fsr-3485	26	3	the	the	DET
fsr-3485	26	4	future	future	NOUN
fsr-3485	26	5	,	,	PUNCT
fsr-3485	26	6	specifically	specifically	ADV
fsr-3485	26	7	holding	hold	VERB
fsr-3485	26	8	a	a	DET
fsr-3485	26	9	retirement	retirement	NOUN
fsr-3485	26	10	saving	save	VERB
fsr-3485	26	11	goal	goal	NOUN
fsr-3485	26	12	,	,	PUNCT
fsr-3485	26	13	has	have	AUX
fsr-3485	26	14	also	also	ADV
fsr-3485	26	15	been	be	AUX
fsr-3485	26	16	linked	link	VERB
fsr-3485	26	17	with	with	ADP
fsr-3485	26	18	the	the	DET
fsr-3485	26	19	use	use	NOUN
fsr-3485	26	20	of	of	ADP
fsr-3485	26	21	a	a	DET
fsr-3485	26	22	financial	financial	ADJ
fsr-3485	26	23	planner	planner	NOUN
fsr-3485	26	24	(	(	PUNCT
fsr-3485	26	25	kim	kim	PROPN
fsr-3485	26	26	,	,	PUNCT
fsr-3485	26	27	pak	pak	PROPN
fsr-3485	26	28	,	,	PUNCT
fsr-3485	26	29	shin	shin	NOUN
fsr-3485	26	30	,	,	PUNCT
fsr-3485	26	31	&	&	CCONJ
fsr-3485	26	32	hanna	hanna	PROPN
fsr-3485	26	33	,	,	PUNCT
fsr-3485	26	34	2018	2018	NUM
fsr-3485	26	35	)	)	PUNCT
fsr-3485	26	36	.	.	PUNCT
fsr-3485	27	1	combined	combine	VERB
fsr-3485	27	2	,	,	PUNCT
fsr-3485	27	3	these	these	DET
fsr-3485	27	4	individual	individual	ADJ
fsr-3485	27	5	elements	element	NOUN
fsr-3485	27	6	suggest	suggest	VERB
fsr-3485	27	7	that	that	SCONJ
fsr-3485	27	8	the	the	DET
fsr-3485	27	9	use	use	NOUN
fsr-3485	27	10	of	of	ADP
fsr-3485	27	11	a	a	DET
fsr-3485	27	12	financial	financial	ADJ
fsr-3485	27	13	professional	professional	NOUN
fsr-3485	27	14	might	might	AUX
fsr-3485	27	15	be	be	AUX
fsr-3485	27	16	connected	connect	VERB
fsr-3485	27	17	with	with	ADP
fsr-3485	27	18	financial	financial	ADJ
fsr-3485	27	19	well	well	NOUN
fsr-3485	27	20	-	-	PUNCT
fsr-3485	27	21	being	being	NOUN
fsr-3485	27	22	.	.	PUNCT
fsr-3485	28	1	family	family	NOUN
fsr-3485	28	2	and	and	CCONJ
fsr-3485	28	3	friends	friend	NOUN
fsr-3485	28	4	might	might	AUX
fsr-3485	28	5	not	not	PART
fsr-3485	28	6	have	have	VERB
fsr-3485	28	7	the	the	DET
fsr-3485	28	8	same	same	ADJ
fsr-3485	28	9	level	level	NOUN
fsr-3485	28	10	of	of	ADP
fsr-3485	28	11	expertise	expertise	NOUN
fsr-3485	28	12	,	,	PUNCT
fsr-3485	28	13	leading	lead	VERB
fsr-3485	28	14	to	to	ADP
fsr-3485	28	15	different	different	ADJ
fsr-3485	28	16	outcomes	outcome	NOUN
fsr-3485	28	17	.	.	PUNCT
fsr-3485	29	1	previous	previous	ADJ
fsr-3485	29	2	studies	study	NOUN
fsr-3485	29	3	have	have	AUX
fsr-3485	29	4	recognized	recognize	VERB
fsr-3485	29	5	the	the	DET
fsr-3485	29	6	importance	importance	NOUN
fsr-3485	29	7	of	of	ADP
fsr-3485	29	8	financial	financial	ADJ
fsr-3485	29	9	well	well	NOUN
fsr-3485	29	10	-	-	PUNCT
fsr-3485	29	11	being	being	NOUN
fsr-3485	29	12	on	on	ADP
fsr-3485	29	13	a	a	DET
fsr-3485	29	14	variety	variety	NOUN
fsr-3485	29	15	of	of	ADP
fsr-3485	29	16	outcomes	outcome	NOUN
fsr-3485	29	17	,	,	PUNCT
fsr-3485	29	18	with	with	ADP
fsr-3485	29	19	a	a	DET
fsr-3485	29	20	special	special	ADJ
fsr-3485	29	21	emphasis	emphasis	NOUN
fsr-3485	29	22	on	on	ADP
fsr-3485	29	23	the	the	DET
fsr-3485	29	24	young	young	ADJ
fsr-3485	29	25	(	(	PUNCT
fsr-3485	29	26	gutter	gutter	NOUN
fsr-3485	29	27	&	&	CCONJ
fsr-3485	29	28	copur	copur	NOUN
fsr-3485	29	29	,	,	PUNCT
fsr-3485	29	30	2011	2011	NUM
fsr-3485	29	31	;	;	PUNCT
fsr-3485	29	32	shim	shim	NOUN
fsr-3485	29	33	,	,	PUNCT
fsr-3485	29	34	xiao	xiao	PROPN
fsr-3485	29	35	,	,	PUNCT
fsr-3485	29	36	barber	barber	PROPN
fsr-3485	29	37	,	,	PUNCT
fsr-3485	29	38	&	&	CCONJ
fsr-3485	29	39	lyons	lyons	PROPN
fsr-3485	29	40	,	,	PUNCT
fsr-3485	29	41	2009	2009	NUM
fsr-3485	29	42	)	)	PUNCT
fsr-3485	29	43	.	.	PUNCT
fsr-3485	30	1	despite	despite	SCONJ
fsr-3485	30	2	the	the	DET
fsr-3485	30	3	importance	importance	NOUN
fsr-3485	30	4	placed	place	VERB
fsr-3485	30	5	on	on	ADP
fsr-3485	30	6	financial	financial	ADJ
fsr-3485	30	7	well	well	NOUN
fsr-3485	30	8	-	-	PUNCT
fsr-3485	30	9	being	being	NOUN
fsr-3485	30	10	,	,	PUNCT
fsr-3485	30	11	u.s	u.s	PROPN
fsr-3485	30	12	.	.	PROPN
fsr-3485	30	13	adults	adult	NOUN
fsr-3485	30	14	average	average	VERB
fsr-3485	30	15	a	a	DET
fsr-3485	30	16	score	score	NOUN
fsr-3485	30	17	of	of	ADP
fsr-3485	30	18	54	54	NUM
fsr-3485	30	19	out	out	ADP
fsr-3485	30	20	of	of	ADP
fsr-3485	30	21	100	100	NUM
fsr-3485	30	22	on	on	ADP
fsr-3485	30	23	the	the	DET
fsr-3485	30	24	financial	financial	ADJ
fsr-3485	30	25	well	well	ADV
fsr-3485	30	26	-	-	PUNCT
fsr-3485	30	27	being	being	NOUN
fsr-3485	30	28	scale	scale	NOUN
fsr-3485	30	29	devised	devise	VERB
fsr-3485	30	30	by	by	ADP
fsr-3485	30	31	the	the	DET
fsr-3485	30	32	consumer	consumer	NOUN
fsr-3485	30	33	financial	financial	PROPN
fsr-3485	30	34	protection	protection	PROPN
fsr-3485	30	35	bureau	bureau	PROPN
fsr-3485	30	36	(	(	PUNCT
fsr-3485	30	37	cfpb	cfpb	NOUN
fsr-3485	30	38	,	,	PUNCT
fsr-3485	30	39	2017	2017	NUM
fsr-3485	30	40	)	)	PUNCT
fsr-3485	30	41	.	.	PUNCT
fsr-3485	31	1	according	accord	VERB
fsr-3485	31	2	to	to	ADP
fsr-3485	31	3	the	the	DET
fsr-3485	31	4	cfpb	cfpb	NOUN
fsr-3485	31	5	,	,	PUNCT
fsr-3485	31	6	approximately	approximately	ADV
fsr-3485	31	7	33	33	NUM
fsr-3485	31	8	%	%	NOUN
fsr-3485	31	9	of	of	ADP
fsr-3485	31	10	adults	adult	NOUN
fsr-3485	31	11	score	score	VERB
fsr-3485	31	12	below	below	ADP
fsr-3485	31	13	51	51	NUM
fsr-3485	31	14	on	on	ADP
fsr-3485	31	15	the	the	DET
fsr-3485	31	16	scale	scale	NOUN
fsr-3485	31	17	that	that	PRON
fsr-3485	31	18	means	mean	VERB
fsr-3485	31	19	that	that	SCONJ
fsr-3485	31	20	these	these	DET
fsr-3485	31	21	adults	adult	NOUN
fsr-3485	31	22	have	have	VERB
fsr-3485	31	23	a	a	DET
fsr-3485	31	24	high	high	ADJ
fsr-3485	31	25	probability	probability	NOUN
fsr-3485	31	26	of	of	ADP
fsr-3485	31	27	worrying	worry	VERB
fsr-3485	31	28	about	about	ADP
fsr-3485	31	29	food	food	NOUN
fsr-3485	31	30	,	,	PUNCT
fsr-3485	31	31	running	run	VERB
fsr-3485	31	32	out	out	ADP
fsr-3485	31	33	of	of	ADP
fsr-3485	31	34	food	food	NOUN
fsr-3485	31	35	,	,	PUNCT
fsr-3485	31	36	having	have	VERB
fsr-3485	31	37	utilities	utility	NOUN
fsr-3485	31	38	shut	shut	VERB
fsr-3485	31	39	off	off	ADP
fsr-3485	31	40	,	,	PUNCT
fsr-3485	31	41	being	be	AUX
fsr-3485	31	42	unable	unable	ADJ
fsr-3485	31	43	to	to	PART
fsr-3485	31	44	afford	afford	VERB
fsr-3485	31	45	medical	medical	ADJ
fsr-3485	31	46	treatment	treatment	NOUN
fsr-3485	31	47	,	,	PUNCT
fsr-3485	31	48	or	or	CCONJ
fsr-3485	31	49	even	even	ADV
fsr-3485	31	50	becoming	become	VERB
fsr-3485	31	51	homeless	homeless	ADJ
fsr-3485	31	52	(	(	PUNCT
fsr-3485	31	53	cfpb	cfpb	NOUN
fsr-3485	31	54	,	,	PUNCT
fsr-3485	31	55	2017	2017	NUM
fsr-3485	31	56	)	)	PUNCT
fsr-3485	31	57	.	.	PUNCT
fsr-3485	32	1	governmental	governmental	ADJ
fsr-3485	32	2	action	action	NOUN
fsr-3485	32	3	during	during	ADP
fsr-3485	32	4	the	the	DET
fsr-3485	32	5	coronavirus	coronavirus	NOUN
fsr-3485	32	6	disease	disease	NOUN
fsr-3485	32	7	2019	2019	NUM
fsr-3485	32	8	(	(	PUNCT
fsr-3485	32	9	covid-19	covid-19	PROPN
fsr-3485	32	10	)	)	PUNCT
fsr-3485	32	11	pandemic	pandemic	NOUN
fsr-3485	32	12	,	,	PUNCT
fsr-3485	32	13	including	include	VERB
fsr-3485	32	14	stimulus	stimulus	ADJ
fsr-3485	32	15	checks	check	NOUN
fsr-3485	32	16	,	,	PUNCT
fsr-3485	32	17	student	student	NOUN
fsr-3485	32	18	loan	loan	NOUN
fsr-3485	32	19	interest	interest	NOUN
fsr-3485	32	20	and	and	CCONJ
fsr-3485	32	21	payment	payment	NOUN
fsr-3485	32	22	freeze	freeze	NOUN
fsr-3485	32	23	,	,	PUNCT
fsr-3485	32	24	student	student	NOUN
fsr-3485	32	25	loan	loan	NOUN
fsr-3485	32	26	forgiveness	forgiveness	NOUN
fsr-3485	32	27	,	,	PUNCT
fsr-3485	32	28	and	and	CCONJ
fsr-3485	32	29	eviction	eviction	NOUN
fsr-3485	32	30	moratoriums	moratorium	NOUN
fsr-3485	32	31	,	,	PUNCT
fsr-3485	32	32	highlight	highlight	VERB
fsr-3485	32	33	the	the	DET
fsr-3485	32	34	importance	importance	NOUN
fsr-3485	32	35	policymakers	policymaker	NOUN
fsr-3485	32	36	place	place	VERB
fsr-3485	32	37	upon	upon	SCONJ
fsr-3485	32	38	financial	financial	ADJ
fsr-3485	32	39	well	well	NOUN
fsr-3485	32	40	-	-	PUNCT
fsr-3485	32	41	being	being	NOUN
fsr-3485	32	42	.	.	PUNCT
fsr-3485	33	1	research	research	NOUN
fsr-3485	33	2	examining	examine	VERB
fsr-3485	33	3	financial	financial	ADJ
fsr-3485	33	4	well	well	ADV
fsr-3485	33	5	-	-	PUNCT
fsr-3485	33	6	being	being	NOUN
fsr-3485	33	7	has	have	AUX
fsr-3485	33	8	used	use	VERB
fsr-3485	33	9	varying	vary	VERB
fsr-3485	33	10	terminology	terminology	NOUN
fsr-3485	33	11	to	to	PART
fsr-3485	33	12	describe	describe	VERB
fsr-3485	33	13	the	the	DET
fsr-3485	33	14	concept	concept	NOUN
fsr-3485	33	15	including	include	VERB
fsr-3485	33	16	financial	financial	ADJ
fsr-3485	33	17	wellness	wellness	NOUN
fsr-3485	33	18	(	(	PUNCT
fsr-3485	33	19	joo	joo	PROPN
fsr-3485	33	20	&	&	CCONJ
fsr-3485	33	21	garman	garman	PROPN
fsr-3485	33	22	,	,	PUNCT
fsr-3485	33	23	1998	1998	NUM
fsr-3485	33	24	)	)	PUNCT
fsr-3485	33	25	,	,	PUNCT
fsr-3485	33	26	financial	financial	ADJ
fsr-3485	33	27	satisfaction	satisfaction	NOUN
fsr-3485	33	28	(	(	PUNCT
fsr-3485	33	29	joo	joo	PROPN
fsr-3485	33	30	&	&	CCONJ
fsr-3485	33	31	grable	grable	PROPN
fsr-3485	33	32	,	,	PUNCT
fsr-3485	33	33	2004	2004	NUM
fsr-3485	33	34	)	)	PUNCT
fsr-3485	33	35	,	,	PUNCT
fsr-3485	33	36	and	and	CCONJ
fsr-3485	33	37	financial	financial	ADJ
fsr-3485	33	38	stress	stress	NOUN
fsr-3485	33	39	(	(	PUNCT
fsr-3485	33	40	kim	kim	PROPN
fsr-3485	33	41	&	&	CCONJ
fsr-3485	33	42	garman	garman	PROPN
fsr-3485	33	43	,	,	PUNCT
fsr-3485	33	44	2003	2003	NUM
fsr-3485	33	45	)	)	PUNCT
fsr-3485	33	46	.	.	PUNCT
fsr-3485	34	1	in	in	ADP
fsr-3485	34	2	particular	particular	ADJ
fsr-3485	34	3	,	,	PUNCT
fsr-3485	34	4	previous	previous	ADJ
fsr-3485	34	5	studies	study	NOUN
fsr-3485	34	6	have	have	AUX
fsr-3485	34	7	used	use	VERB
fsr-3485	34	8	financial	financial	ADJ
fsr-3485	34	9	satisfaction	satisfaction	NOUN
fsr-3485	34	10	as	as	ADP
fsr-3485	34	11	a	a	DET
fsr-3485	34	12	mediator	mediator	NOUN
fsr-3485	34	13	between	between	ADP
fsr-3485	34	14	wages	wage	NOUN
fsr-3485	34	15	and	and	CCONJ
fsr-3485	34	16	happiness	happiness	NOUN
fsr-3485	34	17	(	(	PUNCT
fsr-3485	34	18	diener	diener	PROPN
fsr-3485	34	19	&	&	CCONJ
fsr-3485	34	20	biswas	biswas	PROPN
fsr-3485	34	21	-	-	PUNCT
fsr-3485	34	22	diener	diener	PROPN
fsr-3485	34	23	,	,	PUNCT
fsr-3485	34	24	2002	2002	NUM
fsr-3485	34	25	)	)	PUNCT
fsr-3485	34	26	,	,	PUNCT
fsr-3485	34	27	a	a	DET
fsr-3485	34	28	dimension	dimension	NOUN
fsr-3485	34	29	of	of	ADP
fsr-3485	34	30	life	life	NOUN
fsr-3485	34	31	satisfaction	satisfaction	NOUN
fsr-3485	34	32	or	or	CCONJ
fsr-3485	34	33	well	well	ADV
fsr-3485	34	34	-	-	PUNCT
fsr-3485	34	35	being	be	AUX
fsr-3485	34	36	(	(	PUNCT
fsr-3485	34	37	vera	vera	NOUN
fsr-3485	34	38	-	-	PUNCT
fsr-3485	34	39	toscano	toscano	NOUN
fsr-3485	34	40	,	,	PUNCT
fsr-3485	34	41	atecaamestoy	atecaamestoy	NOUN
fsr-3485	34	42	,	,	PUNCT
fsr-3485	34	43	&	&	CCONJ
fsr-3485	34	44	serrano	serrano	PROPN
fsr-3485	34	45	-	-	PUNCT
fsr-3485	34	46	del	del	NOUN
fsr-3485	34	47	-	-	PUNCT
fsr-3485	34	48	rosal	rosal	NOUN
fsr-3485	34	49	,	,	PUNCT
fsr-3485	34	50	2006	2006	NUM
fsr-3485	34	51	)	)	PUNCT
fsr-3485	34	52	,	,	PUNCT
fsr-3485	34	53	and	and	CCONJ
fsr-3485	34	54	as	as	ADP
fsr-3485	34	55	subjective	subjective	ADJ
fsr-3485	34	56	well	well	ADV
fsr-3485	34	57	-	-	PUNCT
fsr-3485	34	58	being	being	NOUN
fsr-3485	34	59	and	and	CCONJ
fsr-3485	34	60	life	life	NOUN
fsr-3485	34	61	satisfaction	satisfaction	NOUN
fsr-3485	34	62	overall	overall	ADJ
fsr-3485	34	63	(	(	PUNCT
fsr-3485	34	64	archuleta	archuleta	NOUN
fsr-3485	34	65	,	,	PUNCT
fsr-3485	34	66	dale	dale	PROPN
fsr-3485	34	67	,	,	PUNCT
fsr-3485	34	68	&	&	CCONJ
fsr-3485	34	69	spann	spann	PROPN
fsr-3485	34	70	,	,	PUNCT
fsr-3485	34	71	2013	2013	NUM
fsr-3485	34	72	;	;	PUNCT
fsr-3485	34	73	hsieh	hsieh	PROPN
fsr-3485	34	74	,	,	PUNCT
fsr-3485	34	75	2001	2001	NUM
fsr-3485	34	76	;	;	PUNCT
fsr-3485	34	77	plagnol	plagnol	NOUN
fsr-3485	34	78	,	,	PUNCT
fsr-3485	34	79	2011	2011	NUM
fsr-3485	34	80	)	)	PUNCT
fsr-3485	34	81	.	.	PUNCT
fsr-3485	35	1	while	while	SCONJ
fsr-3485	35	2	there	there	PRON
fsr-3485	35	3	is	be	VERB
fsr-3485	35	4	192	192	NUM
fsr-3485	35	5	r.	r.	PROPN
fsr-3485	35	6	stebbins	stebbins	PROPN
fsr-3485	35	7	et	et	PROPN
fsr-3485	35	8	al	al	PROPN
fsr-3485	35	9	.	.	PUNCT
fsr-3485	35	10	/	/	SYM
fsr-3485	35	11	financial	financial	ADJ
fsr-3485	35	12	services	service	NOUN
fsr-3485	35	13	review	review	VERB
fsr-3485	35	14	30	30	NUM
fsr-3485	35	15	(	(	PUNCT
fsr-3485	35	16	2022	2022	NUM
fsr-3485	35	17	)	)	PUNCT
fsr-3485	35	18	191–204	191–204	NUM
fsr-3485	35	19	general	general	ADJ
fsr-3485	35	20	agreement	agreement	NOUN
fsr-3485	35	21	on	on	ADP
fsr-3485	35	22	the	the	DET
fsr-3485	35	23	broad	broad	ADJ
fsr-3485	35	24	definition	definition	NOUN
fsr-3485	35	25	of	of	ADP
fsr-3485	35	26	financial	financial	ADJ
fsr-3485	35	27	well	well	NOUN
fsr-3485	35	28	-	-	PUNCT
fsr-3485	35	29	being	being	NOUN
fsr-3485	35	30	,	,	PUNCT
fsr-3485	35	31	there	there	PRON
fsr-3485	35	32	has	have	AUX
fsr-3485	35	33	not	not	PART
fsr-3485	35	34	been	be	AUX
fsr-3485	35	35	a	a	DET
fsr-3485	35	36	consensus	consensus	NOUN
fsr-3485	35	37	on	on	ADP
fsr-3485	35	38	how	how	SCONJ
fsr-3485	35	39	it	it	PRON
fsr-3485	35	40	should	should	AUX
fsr-3485	35	41	be	be	AUX
fsr-3485	35	42	specifically	specifically	ADV
fsr-3485	35	43	measured	measure	VERB
fsr-3485	35	44	or	or	CCONJ
fsr-3485	35	45	defined	define	VERB
fsr-3485	35	46	.	.	PUNCT
fsr-3485	36	1	recent	recent	ADJ
fsr-3485	36	2	research	research	NOUN
fsr-3485	36	3	has	have	AUX
fsr-3485	36	4	viewed	view	VERB
fsr-3485	36	5	financial	financial	ADJ
fsr-3485	36	6	well	well	NOUN
fsr-3485	36	7	-	-	PUNCT
fsr-3485	36	8	being	being	NOUN
fsr-3485	36	9	as	as	ADP
fsr-3485	36	10	a	a	DET
fsr-3485	36	11	construct	construct	NOUN
fsr-3485	36	12	dealing	deal	VERB
fsr-3485	36	13	with	with	ADP
fsr-3485	36	14	current	current	ADJ
fsr-3485	36	15	money	money	NOUN
fsr-3485	36	16	management	management	NOUN
fsr-3485	36	17	and	and	CCONJ
fsr-3485	36	18	expected	expect	VERB
fsr-3485	36	19	future	future	ADJ
fsr-3485	36	20	financial	financial	ADJ
fsr-3485	36	21	security	security	NOUN
fsr-3485	36	22	(	(	PUNCT
fsr-3485	36	23	netemeyer	netemeyer	PROPN
fsr-3485	36	24	et	et	PROPN
fsr-3485	36	25	al	al	PROPN
fsr-3485	36	26	.	.	PROPN
fsr-3485	36	27	,	,	PUNCT
fsr-3485	36	28	2018	2018	NUM
fsr-3485	36	29	)	)	PUNCT
fsr-3485	36	30	.	.	PUNCT
fsr-3485	37	1	financial	financial	ADJ
fsr-3485	37	2	well	well	ADV
fsr-3485	37	3	-	-	PUNCT
fsr-3485	37	4	being	being	NOUN
fsr-3485	37	5	can	can	AUX
fsr-3485	37	6	also	also	ADV
fsr-3485	37	7	be	be	AUX
fsr-3485	37	8	broadly	broadly	ADV
fsr-3485	37	9	defined	define	VERB
fsr-3485	37	10	as	as	ADP
fsr-3485	37	11	an	an	DET
fsr-3485	37	12	individual	individual	NOUN
fsr-3485	37	13	’s	’s	PART
fsr-3485	37	14	satisfaction	satisfaction	NOUN
fsr-3485	37	15	with	with	ADP
fsr-3485	37	16	his	his	PRON
fsr-3485	37	17	or	or	CCONJ
fsr-3485	37	18	her	her	PRON
fsr-3485	37	19	personal	personal	ADJ
fsr-3485	37	20	financial	financial	ADJ
fsr-3485	37	21	situation	situation	NOUN
fsr-3485	37	22	(	(	PUNCT
fsr-3485	37	23	cfpb	cfpb	NOUN
fsr-3485	37	24	,	,	PUNCT
fsr-3485	37	25	2015a	2015a	NUM
fsr-3485	37	26	)	)	PUNCT
fsr-3485	37	27	.	.	PUNCT
fsr-3485	38	1	financial	financial	ADJ
fsr-3485	38	2	well	well	ADV
fsr-3485	38	3	-	-	PUNCT
fsr-3485	38	4	being	being	NOUN
fsr-3485	38	5	is	be	AUX
fsr-3485	38	6	considered	consider	VERB
fsr-3485	38	7	the	the	DET
fsr-3485	38	8	goal	goal	NOUN
fsr-3485	38	9	of	of	ADP
fsr-3485	38	10	financial	financial	ADJ
fsr-3485	38	11	education	education	NOUN
fsr-3485	38	12	and	and	CCONJ
fsr-3485	38	13	the	the	DET
fsr-3485	38	14	“	"	PUNCT
fsr-3485	38	15	ultimate	ultimate	ADJ
fsr-3485	38	16	measure	measure	NOUN
fsr-3485	38	17	of	of	ADP
fsr-3485	38	18	success	success	NOUN
fsr-3485	38	19	for	for	ADP
fsr-3485	38	20	financial	financial	ADJ
fsr-3485	38	21	literacy	literacy	NOUN
fsr-3485	38	22	efforts	effort	NOUN
fsr-3485	38	23	”	"	PUNCT
fsr-3485	38	24	(	(	PUNCT
fsr-3485	38	25	cfpb	cfpb	NOUN
fsr-3485	38	26	,	,	PUNCT
fsr-3485	38	27	2015a	2015a	NUM
fsr-3485	38	28	)	)	PUNCT
fsr-3485	38	29	.	.	PUNCT
fsr-3485	39	1	the	the	DET
fsr-3485	39	2	incharge	incharge	NOUN
fsr-3485	39	3	financial	financial	ADJ
fsr-3485	39	4	distress	distress	NOUN
fsr-3485	39	5	/	/	SYM
fsr-3485	39	6	financial	financial	ADJ
fsr-3485	39	7	well	well	ADV
fsr-3485	39	8	-	-	PUNCT
fsr-3485	39	9	being	being	NOUN
fsr-3485	39	10	scale	scale	NOUN
fsr-3485	39	11	(	(	PUNCT
fsr-3485	39	12	ifdfw	ifdfw	NOUN
fsr-3485	39	13	scale	scale	NOUN
fsr-3485	39	14	)	)	PUNCT
fsr-3485	39	15	was	be	AUX
fsr-3485	39	16	developed	develop	VERB
fsr-3485	39	17	in	in	ADP
fsr-3485	39	18	2004	2004	NUM
fsr-3485	39	19	(	(	PUNCT
fsr-3485	39	20	prawitz	prawitz	PROPN
fsr-3485	39	21	,	,	PUNCT
fsr-3485	39	22	garman	garman	NOUN
fsr-3485	39	23	,	,	PUNCT
fsr-3485	39	24	sorhaindo	sorhaindo	NOUN
fsr-3485	39	25	,	,	PUNCT
fsr-3485	39	26	o’neill	o’neill	PROPN
fsr-3485	39	27	,	,	PUNCT
fsr-3485	39	28	kim	kim	PROPN
fsr-3485	39	29	,	,	PUNCT
fsr-3485	39	30	&	&	CCONJ
fsr-3485	39	31	drentea	drentea	NOUN
fsr-3485	39	32	,	,	PUNCT
fsr-3485	39	33	2006	2006	NUM
fsr-3485	39	34	)	)	PUNCT
fsr-3485	39	35	.	.	PUNCT
fsr-3485	40	1	this	this	PRON
fsr-3485	40	2	was	be	AUX
fsr-3485	40	3	the	the	DET
fsr-3485	40	4	first	first	ADJ
fsr-3485	40	5	scale	scale	NOUN
fsr-3485	40	6	created	create	VERB
fsr-3485	40	7	to	to	PART
fsr-3485	40	8	specifically	specifically	ADV
fsr-3485	40	9	measure	measure	VERB
fsr-3485	40	10	financial	financial	ADJ
fsr-3485	40	11	well	well	ADV
fsr-3485	40	12	-	-	PUNCT
fsr-3485	40	13	being	being	NOUN
fsr-3485	40	14	and	and	CCONJ
fsr-3485	40	15	it	it	PRON
fsr-3485	40	16	was	be	AUX
fsr-3485	40	17	created	create	VERB
fsr-3485	40	18	based	base	VERB
fsr-3485	40	19	on	on	ADP
fsr-3485	40	20	the	the	DET
fsr-3485	40	21	literature	literature	NOUN
fsr-3485	40	22	and	and	CCONJ
fsr-3485	40	23	suggestions	suggestion	NOUN
fsr-3485	40	24	from	from	ADP
fsr-3485	40	25	financial	financial	ADJ
fsr-3485	40	26	educators	educator	NOUN
fsr-3485	40	27	.	.	PUNCT
fsr-3485	41	1	this	this	DET
fsr-3485	41	2	scale	scale	NOUN
fsr-3485	41	3	has	have	AUX
fsr-3485	41	4	been	be	AUX
fsr-3485	41	5	improved	improve	VERB
fsr-3485	41	6	with	with	ADP
fsr-3485	41	7	the	the	DET
fsr-3485	41	8	inclusion	inclusion	NOUN
fsr-3485	41	9	of	of	ADP
fsr-3485	41	10	input	input	NOUN
fsr-3485	41	11	from	from	ADP
fsr-3485	41	12	financial	financial	ADJ
fsr-3485	41	13	practitioners	practitioner	NOUN
fsr-3485	41	14	(	(	PUNCT
fsr-3485	41	15	cfpb	cfpb	NOUN
fsr-3485	41	16	,	,	PUNCT
fsr-3485	41	17	2015a	2015a	NUM
fsr-3485	41	18	)	)	PUNCT
fsr-3485	41	19	.	.	PUNCT
fsr-3485	42	1	the	the	DET
fsr-3485	42	2	main	main	ADJ
fsr-3485	42	3	object	object	NOUN
fsr-3485	42	4	of	of	ADP
fsr-3485	42	5	this	this	DET
fsr-3485	42	6	study	study	NOUN
fsr-3485	42	7	is	be	AUX
fsr-3485	42	8	to	to	PART
fsr-3485	42	9	examine	examine	VERB
fsr-3485	42	10	the	the	DET
fsr-3485	42	11	association	association	NOUN
fsr-3485	42	12	between	between	ADP
fsr-3485	42	13	the	the	DET
fsr-3485	42	14	source	source	NOUN
fsr-3485	42	15	of	of	ADP
fsr-3485	42	16	financial	financial	ADJ
fsr-3485	42	17	advice	advice	NOUN
fsr-3485	42	18	and	and	CCONJ
fsr-3485	42	19	financial	financial	ADJ
fsr-3485	42	20	well	well	NOUN
fsr-3485	42	21	-	-	PUNCT
fsr-3485	42	22	being	being	NOUN
fsr-3485	42	23	.	.	PUNCT
fsr-3485	43	1	in	in	ADP
fsr-3485	43	2	this	this	DET
fsr-3485	43	3	study	study	NOUN
fsr-3485	43	4	,	,	PUNCT
fsr-3485	43	5	we	we	PRON
fsr-3485	43	6	used	use	VERB
fsr-3485	43	7	the	the	DET
fsr-3485	43	8	cfpb	cfpb	NOUN
fsr-3485	43	9	’s	’s	PART
fsr-3485	43	10	measure	measure	NOUN
fsr-3485	43	11	of	of	ADP
fsr-3485	43	12	financial	financial	ADJ
fsr-3485	43	13	wellbeing	wellbeing	NOUN
fsr-3485	43	14	defined	define	VERB
fsr-3485	43	15	as	as	ADP
fsr-3485	43	16	“	"	PUNCT
fsr-3485	43	17	a	a	DET
fsr-3485	43	18	state	state	NOUN
fsr-3485	43	19	of	of	ADP
fsr-3485	43	20	being	be	AUX
fsr-3485	43	21	wherein	wherein	SCONJ
fsr-3485	43	22	a	a	DET
fsr-3485	43	23	person	person	NOUN
fsr-3485	43	24	can	can	AUX
fsr-3485	43	25	fully	fully	ADV
fsr-3485	43	26	meet	meet	VERB
fsr-3485	43	27	current	current	ADJ
fsr-3485	43	28	and	and	CCONJ
fsr-3485	43	29	ongoing	ongoing	ADJ
fsr-3485	43	30	financial	financial	ADJ
fsr-3485	43	31	obligations	obligation	NOUN
fsr-3485	43	32	,	,	PUNCT
fsr-3485	43	33	can	can	AUX
fsr-3485	43	34	feel	feel	VERB
fsr-3485	43	35	secure	secure	ADJ
fsr-3485	43	36	in	in	ADP
fsr-3485	43	37	their	their	PRON
fsr-3485	43	38	financial	financial	ADJ
fsr-3485	43	39	future	future	NOUN
fsr-3485	43	40	,	,	PUNCT
fsr-3485	43	41	and	and	CCONJ
fsr-3485	43	42	is	be	AUX
fsr-3485	43	43	able	able	ADJ
fsr-3485	43	44	to	to	PART
fsr-3485	43	45	make	make	VERB
fsr-3485	43	46	choices	choice	NOUN
fsr-3485	43	47	that	that	PRON
fsr-3485	43	48	allow	allow	VERB
fsr-3485	43	49	enjoyment	enjoyment	NOUN
fsr-3485	43	50	of	of	ADP
fsr-3485	43	51	life	life	NOUN
fsr-3485	43	52	”	"	PUNCT
fsr-3485	43	53	(	(	PUNCT
fsr-3485	43	54	cfpb	cfpb	NOUN
fsr-3485	43	55	,	,	PUNCT
fsr-3485	43	56	2015b	2015b	NUM
fsr-3485	43	57	)	)	PUNCT
fsr-3485	43	58	.	.	PUNCT
fsr-3485	44	1	this	this	PRON
fsr-3485	44	2	was	be	AUX
fsr-3485	44	3	measured	measure	VERB
fsr-3485	44	4	using	use	VERB
fsr-3485	44	5	four	four	NUM
fsr-3485	44	6	elements	element	NOUN
fsr-3485	44	7	:	:	PUNCT
fsr-3485	44	8	(	(	PUNCT
fsr-3485	44	9	1	1	X
fsr-3485	44	10	)	)	PUNCT
fsr-3485	44	11	control	control	NOUN
fsr-3485	44	12	over	over	ADP
fsr-3485	44	13	your	your	PRON
fsr-3485	44	14	day	day	NOUN
fsr-3485	44	15	-	-	PUNCT
fsr-3485	44	16	to	to	ADP
fsr-3485	44	17	-	-	PUNCT
fsr-3485	44	18	day	day	NOUN
fsr-3485	44	19	,	,	PUNCT
fsr-3485	44	20	month	month	NOUN
fsr-3485	44	21	-	-	PUNCT
fsr-3485	44	22	to	to	ADP
fsr-3485	44	23	-	-	PUNCT
fsr-3485	44	24	month	month	NOUN
fsr-3485	44	25	finances	finance	NOUN
fsr-3485	44	26	;	;	PUNCT
fsr-3485	44	27	(	(	PUNCT
fsr-3485	44	28	2	2	X
fsr-3485	44	29	)	)	PUNCT
fsr-3485	44	30	financial	financial	ADJ
fsr-3485	44	31	freedom	freedom	NOUN
fsr-3485	44	32	to	to	PART
fsr-3485	44	33	make	make	VERB
fsr-3485	44	34	choices	choice	NOUN
fsr-3485	44	35	to	to	PART
fsr-3485	44	36	enjoy	enjoy	VERB
fsr-3485	44	37	life	life	NOUN
fsr-3485	44	38	;	;	PUNCT
fsr-3485	44	39	(	(	PUNCT
fsr-3485	44	40	3	3	X
fsr-3485	44	41	)	)	PUNCT
fsr-3485	44	42	capacity	capacity	NOUN
fsr-3485	44	43	to	to	PART
fsr-3485	44	44	absorb	absorb	VERB
fsr-3485	44	45	a	a	DET
fsr-3485	44	46	financial	financial	ADJ
fsr-3485	44	47	shock	shock	NOUN
fsr-3485	44	48	;	;	PUNCT
fsr-3485	44	49	and	and	CCONJ
fsr-3485	44	50	(	(	PUNCT
fsr-3485	44	51	4	4	X
fsr-3485	44	52	)	)	PUNCT
fsr-3485	44	53	on	on	ADP
fsr-3485	44	54	track	track	NOUN
fsr-3485	44	55	to	to	PART
fsr-3485	44	56	meet	meet	VERB
fsr-3485	44	57	your	your	PRON
fsr-3485	44	58	financial	financial	ADJ
fsr-3485	44	59	goals	goal	NOUN
fsr-3485	44	60	.	.	PUNCT
fsr-3485	45	1	the	the	DET
fsr-3485	45	2	exact	exact	ADJ
fsr-3485	45	3	questions	question	NOUN
fsr-3485	45	4	used	use	VERB
fsr-3485	45	5	to	to	PART
fsr-3485	45	6	operationalize	operationalize	VERB
fsr-3485	45	7	these	these	DET
fsr-3485	45	8	elements	element	NOUN
fsr-3485	45	9	can	can	AUX
fsr-3485	45	10	be	be	AUX
fsr-3485	45	11	found	find	VERB
fsr-3485	45	12	in	in	ADP
fsr-3485	45	13	the	the	DET
fsr-3485	45	14	appendix	appendix	ADJ
fsr-3485	45	15	table	table	NOUN
fsr-3485	45	16	a1	a1	NOUN
fsr-3485	45	17	.	.	PUNCT
fsr-3485	46	1	for	for	ADP
fsr-3485	46	2	empirical	empirical	ADJ
fsr-3485	46	3	analyses	analysis	NOUN
fsr-3485	46	4	,	,	PUNCT
fsr-3485	46	5	we	we	PRON
fsr-3485	46	6	used	use	VERB
fsr-3485	46	7	the	the	DET
fsr-3485	46	8	2016	2016	NUM
fsr-3485	46	9	national	national	ADJ
fsr-3485	46	10	financial	financial	ADJ
fsr-3485	46	11	well	well	ADV
fsr-3485	46	12	-	-	PUNCT
fsr-3485	46	13	being	being	NOUN
fsr-3485	46	14	survey	survey	NOUN
fsr-3485	46	15	,	,	PUNCT
fsr-3485	46	16	which	which	PRON
fsr-3485	46	17	is	be	AUX
fsr-3485	46	18	the	the	DET
fsr-3485	46	19	first	first	ADJ
fsr-3485	46	20	national	national	ADJ
fsr-3485	46	21	survey	survey	NOUN
fsr-3485	46	22	released	release	VERB
fsr-3485	46	23	by	by	ADP
fsr-3485	46	24	the	the	DET
fsr-3485	46	25	cfpb	cfpb	NOUN
fsr-3485	46	26	.	.	PUNCT
fsr-3485	47	1	this	this	DET
fsr-3485	47	2	study	study	NOUN
fsr-3485	47	3	contributes	contribute	VERB
fsr-3485	47	4	to	to	ADP
fsr-3485	47	5	the	the	DET
fsr-3485	47	6	literature	literature	NOUN
fsr-3485	47	7	by	by	ADP
fsr-3485	47	8	using	use	VERB
fsr-3485	47	9	an	an	DET
fsr-3485	47	10	explicit	explicit	ADJ
fsr-3485	47	11	and	and	CCONJ
fsr-3485	47	12	comprehensive	comprehensive	ADJ
fsr-3485	47	13	definition	definition	NOUN
fsr-3485	47	14	of	of	ADP
fsr-3485	47	15	financial	financial	ADJ
fsr-3485	47	16	well	well	NOUN
fsr-3485	47	17	-	-	PUNCT
fsr-3485	47	18	being	being	NOUN
fsr-3485	47	19	that	that	PRON
fsr-3485	47	20	incorporates	incorporate	VERB
fsr-3485	47	21	feedback	feedback	NOUN
fsr-3485	47	22	from	from	ADP
fsr-3485	47	23	financial	financial	ADJ
fsr-3485	47	24	practitioners	practitioner	NOUN
fsr-3485	47	25	in	in	ADP
fsr-3485	47	26	addition	addition	NOUN
fsr-3485	47	27	to	to	ADP
fsr-3485	47	28	financial	financial	ADJ
fsr-3485	47	29	education	education	NOUN
fsr-3485	47	30	experts	expert	NOUN
fsr-3485	47	31	.	.	PUNCT
fsr-3485	48	1	this	this	DET
fsr-3485	48	2	study	study	NOUN
fsr-3485	48	3	also	also	ADV
fsr-3485	48	4	makes	make	VERB
fsr-3485	48	5	an	an	DET
fsr-3485	48	6	important	important	ADJ
fsr-3485	48	7	contribution	contribution	NOUN
fsr-3485	48	8	but	but	CCONJ
fsr-3485	48	9	assessing	assess	VERB
fsr-3485	48	10	the	the	DET
fsr-3485	48	11	role	role	NOUN
fsr-3485	48	12	of	of	ADP
fsr-3485	48	13	any	any	DET
fsr-3485	48	14	financial	financial	ADJ
fsr-3485	48	15	advice	advice	NOUN
fsr-3485	48	16	and	and	CCONJ
fsr-3485	48	17	then	then	ADV
fsr-3485	48	18	breaking	break	VERB
fsr-3485	48	19	out	out	ADP
fsr-3485	48	20	those	those	PRON
fsr-3485	48	21	who	who	PRON
fsr-3485	48	22	received	receive	VERB
fsr-3485	48	23	financial	financial	ADJ
fsr-3485	48	24	advice	advice	NOUN
fsr-3485	48	25	to	to	PART
fsr-3485	48	26	examine	examine	VERB
fsr-3485	48	27	the	the	DET
fsr-3485	48	28	impact	impact	NOUN
fsr-3485	48	29	of	of	ADP
fsr-3485	48	30	different	different	ADJ
fsr-3485	48	31	sources	source	NOUN
fsr-3485	48	32	of	of	ADP
fsr-3485	48	33	financial	financial	ADJ
fsr-3485	48	34	advice	advice	NOUN
fsr-3485	48	35	.	.	PUNCT
fsr-3485	49	1	this	this	DET
fsr-3485	49	2	research	research	NOUN
fsr-3485	49	3	will	will	AUX
fsr-3485	49	4	provide	provide	VERB
fsr-3485	49	5	important	important	ADJ
fsr-3485	49	6	insights	insight	NOUN
fsr-3485	49	7	into	into	ADP
fsr-3485	49	8	financial	financial	ADJ
fsr-3485	49	9	advice	advice	NOUN
fsr-3485	49	10	and	and	CCONJ
fsr-3485	49	11	financial	financial	ADJ
fsr-3485	49	12	well	well	NOUN
fsr-3485	49	13	-	-	PUNCT
fsr-3485	49	14	being	being	NOUN
fsr-3485	49	15	.	.	PUNCT
fsr-3485	50	1	this	this	DET
fsr-3485	50	2	contribution	contribution	NOUN
fsr-3485	50	3	to	to	ADP
fsr-3485	50	4	the	the	DET
fsr-3485	50	5	literature	literature	NOUN
fsr-3485	50	6	will	will	AUX
fsr-3485	50	7	also	also	ADV
fsr-3485	50	8	aid	aid	VERB
fsr-3485	50	9	consumers	consumer	NOUN
fsr-3485	50	10	in	in	ADP
fsr-3485	50	11	the	the	DET
fsr-3485	50	12	valuation	valuation	NOUN
fsr-3485	50	13	of	of	ADP
fsr-3485	50	14	financial	financial	ADJ
fsr-3485	50	15	advice	advice	NOUN
fsr-3485	50	16	and	and	CCONJ
fsr-3485	50	17	financial	financial	ADJ
fsr-3485	50	18	literacy	literacy	NOUN
fsr-3485	50	19	.	.	PUNCT
fsr-3485	51	1	2	2	X
fsr-3485	51	2	.	.	X
fsr-3485	51	3	method	method	PROPN
fsr-3485	51	4	2.1	2.1	NUM
fsr-3485	51	5	.	.	PUNCT
fsr-3485	52	1	dataset	dataset	NOUN
fsr-3485	52	2	and	and	CCONJ
fsr-3485	52	3	sample	sample	NOUN
fsr-3485	52	4	selection	selection	NOUN
fsr-3485	52	5	the	the	DET
fsr-3485	52	6	2016	2016	NUM
fsr-3485	52	7	national	national	ADJ
fsr-3485	52	8	financial	financial	ADJ
fsr-3485	52	9	well	well	ADV
fsr-3485	52	10	-	-	PUNCT
fsr-3485	52	11	being	be	AUX
fsr-3485	52	12	survey	survey	NOUN
fsr-3485	52	13	(	(	PUNCT
fsr-3485	52	14	nfwbs	nfwbs	PROPN
fsr-3485	52	15	)	)	PUNCT
fsr-3485	52	16	is	be	AUX
fsr-3485	52	17	a	a	DET
fsr-3485	52	18	nationally	nationally	ADV
fsr-3485	52	19	representative	representative	ADJ
fsr-3485	52	20	dataset	dataset	NOUN
fsr-3485	52	21	that	that	PRON
fsr-3485	52	22	was	be	AUX
fsr-3485	52	23	collected	collect	VERB
fsr-3485	52	24	by	by	ADP
fsr-3485	52	25	the	the	DET
fsr-3485	52	26	consumer	consumer	NOUN
fsr-3485	52	27	financial	financial	PROPN
fsr-3485	52	28	protection	protection	PROPN
fsr-3485	52	29	bureau	bureau	PROPN
fsr-3485	52	30	(	(	PUNCT
fsr-3485	52	31	cfpb	cfpb	NOUN
fsr-3485	52	32	)	)	PUNCT
fsr-3485	52	33	in	in	ADP
fsr-3485	52	34	2016	2016	NUM
fsr-3485	52	35	.	.	PUNCT
fsr-3485	53	1	the	the	DET
fsr-3485	53	2	main	main	ADJ
fsr-3485	53	3	goal	goal	NOUN
fsr-3485	53	4	of	of	ADP
fsr-3485	53	5	this	this	DET
fsr-3485	53	6	dataset	dataset	NOUN
fsr-3485	53	7	was	be	AUX
fsr-3485	53	8	to	to	PART
fsr-3485	53	9	understand	understand	VERB
fsr-3485	53	10	financial	financial	ADJ
fsr-3485	53	11	well	well	NOUN
fsr-3485	53	12	-	-	PUNCT
fsr-3485	53	13	being	being	NOUN
fsr-3485	53	14	in	in	ADP
fsr-3485	53	15	u.s	u.s	PROPN
fsr-3485	53	16	.	.	PROPN
fsr-3485	53	17	adults	adult	NOUN
fsr-3485	53	18	,	,	PUNCT
fsr-3485	53	19	how	how	SCONJ
fsr-3485	53	20	financial	financial	ADJ
fsr-3485	53	21	knowledge	knowledge	NOUN
fsr-3485	53	22	and	and	CCONJ
fsr-3485	53	23	consumer	consumer	NOUN
fsr-3485	53	24	behavior	behavior	NOUN
fsr-3485	53	25	contribute	contribute	VERB
fsr-3485	53	26	to	to	ADP
fsr-3485	53	27	financial	financial	ADJ
fsr-3485	53	28	well	well	NOUN
fsr-3485	53	29	-	-	PUNCT
fsr-3485	53	30	being	being	NOUN
fsr-3485	53	31	,	,	PUNCT
fsr-3485	53	32	and	and	CCONJ
fsr-3485	53	33	support	support	VERB
fsr-3485	53	34	research	research	NOUN
fsr-3485	53	35	.	.	PUNCT
fsr-3485	54	1	respondents	respondent	NOUN
fsr-3485	54	2	were	be	AUX
fsr-3485	54	3	emailed	email	VERB
fsr-3485	54	4	and	and	CCONJ
fsr-3485	54	5	completed	complete	VERB
fsr-3485	54	6	the	the	DET
fsr-3485	54	7	survey	survey	NOUN
fsr-3485	54	8	online	online	ADV
fsr-3485	54	9	.	.	PUNCT
fsr-3485	55	1	the	the	DET
fsr-3485	55	2	survey	survey	NOUN
fsr-3485	55	3	asked	ask	VERB
fsr-3485	55	4	questions	question	NOUN
fsr-3485	55	5	related	relate	VERB
fsr-3485	55	6	to	to	ADP
fsr-3485	55	7	financial	financial	ADJ
fsr-3485	55	8	well	well	ADV
fsr-3485	55	9	-	-	PUNCT
fsr-3485	55	10	being	being	NOUN
fsr-3485	55	11	,	,	PUNCT
fsr-3485	55	12	skill	skill	NOUN
fsr-3485	55	13	,	,	PUNCT
fsr-3485	55	14	knowledge	knowledge	NOUN
fsr-3485	55	15	,	,	PUNCT
fsr-3485	55	16	and	and	CCONJ
fsr-3485	55	17	demographic	demographic	ADJ
fsr-3485	55	18	information	information	NOUN
fsr-3485	55	19	using	use	VERB
fsr-3485	55	20	existing	exist	VERB
fsr-3485	55	21	scales	scale	NOUN
fsr-3485	55	22	when	when	SCONJ
fsr-3485	55	23	possible	possible	ADJ
fsr-3485	55	24	.	.	PUNCT
fsr-3485	56	1	after	after	SCONJ
fsr-3485	56	2	we	we	PRON
fsr-3485	56	3	dropped	drop	VERB
fsr-3485	56	4	cases	case	NOUN
fsr-3485	56	5	where	where	SCONJ
fsr-3485	56	6	respondents	respondent	NOUN
fsr-3485	56	7	chose	choose	VERB
fsr-3485	56	8	“	"	PUNCT
fsr-3485	56	9	response	response	NOUN
fsr-3485	56	10	not	not	PART
fsr-3485	56	11	written	write	VERB
fsr-3485	56	12	to	to	ADP
fsr-3485	56	13	database	database	VERB
fsr-3485	56	14	,	,	PUNCT
fsr-3485	56	15	”	"	PUNCT
fsr-3485	56	16	or	or	CCONJ
fsr-3485	56	17	“	"	PUNCT
fsr-3485	56	18	refused	refuse	VERB
fsr-3485	56	19	to	to	PART
fsr-3485	56	20	answer	answer	VERB
fsr-3485	56	21	,	,	PUNCT
fsr-3485	56	22	”	"	PUNCT
fsr-3485	56	23	the	the	DET
fsr-3485	56	24	final	final	ADJ
fsr-3485	56	25	analytic	analytic	ADJ
fsr-3485	56	26	sample	sample	NOUN
fsr-3485	56	27	includes	include	VERB
fsr-3485	56	28	6,248	6,248	NUM
fsr-3485	56	29	respondents	respondent	NOUN
fsr-3485	56	30	.	.	PUNCT
fsr-3485	57	1	for	for	ADP
fsr-3485	57	2	robustness	robustness	NOUN
fsr-3485	57	3	,	,	PUNCT
fsr-3485	57	4	we	we	PRON
fsr-3485	57	5	analyzed	analyze	VERB
fsr-3485	57	6	a	a	DET
fsr-3485	57	7	subsample	subsample	NOUN
fsr-3485	57	8	of	of	ADP
fsr-3485	57	9	5,097	5,097	NUM
fsr-3485	57	10	respondents	respondent	NOUN
fsr-3485	57	11	who	who	PRON
fsr-3485	57	12	used	use	VERB
fsr-3485	57	13	any	any	DET
fsr-3485	57	14	source	source	NOUN
fsr-3485	57	15	financial	financial	ADJ
fsr-3485	57	16	advice	advice	NOUN
fsr-3485	57	17	.	.	PUNCT
fsr-3485	58	1	r.	r.	PROPN
fsr-3485	58	2	stebbins	stebbins	PROPN
fsr-3485	58	3	et	et	PROPN
fsr-3485	58	4	al	al	PROPN
fsr-3485	58	5	.	.	PUNCT
fsr-3485	59	1	/	/	SYM
fsr-3485	59	2	financial	financial	ADJ
fsr-3485	59	3	services	service	NOUN
fsr-3485	59	4	review	review	VERB
fsr-3485	59	5	30	30	NUM
fsr-3485	59	6	(	(	PUNCT
fsr-3485	59	7	2022	2022	NUM
fsr-3485	59	8	)	)	PUNCT
fsr-3485	59	9	191–204	191–204	NUM
fsr-3485	59	10	193	193	NUM
fsr-3485	59	11	2.1	2.1	NUM
fsr-3485	59	12	.	.	PUNCT
fsr-3485	60	1	measurement	measurement	NOUN
fsr-3485	60	2	of	of	ADP
fsr-3485	60	3	variables	variable	NOUN
fsr-3485	60	4	2.1.1	2.1.1	NUM
fsr-3485	60	5	.	.	PUNCT
fsr-3485	61	1	dependent	dependent	ADJ
fsr-3485	61	2	variable	variable	NOUN
fsr-3485	61	3	.	.	PUNCT
fsr-3485	62	1	in	in	ADP
fsr-3485	62	2	this	this	DET
fsr-3485	62	3	study	study	NOUN
fsr-3485	62	4	,	,	PUNCT
fsr-3485	62	5	a	a	DET
fsr-3485	62	6	dependent	dependent	ADJ
fsr-3485	62	7	variable	variable	NOUN
fsr-3485	62	8	is	be	AUX
fsr-3485	62	9	a	a	DET
fsr-3485	62	10	financial	financial	ADJ
fsr-3485	62	11	well	well	ADV
fsr-3485	62	12	-	-	PUNCT
fsr-3485	62	13	being	being	NOUN
fsr-3485	62	14	scale	scale	NOUN
fsr-3485	62	15	score	score	NOUN
fsr-3485	62	16	developed	develop	VERB
fsr-3485	62	17	by	by	ADP
fsr-3485	62	18	nfwbs	nfwb	NOUN
fsr-3485	62	19	.	.	PUNCT
fsr-3485	63	1	financial	financial	ADJ
fsr-3485	63	2	well	well	ADV
fsr-3485	63	3	-	-	PUNCT
fsr-3485	63	4	being	being	NOUN
fsr-3485	63	5	scale	scale	NOUN
fsr-3485	63	6	is	be	AUX
fsr-3485	63	7	constructed	construct	VERB
fsr-3485	63	8	based	base	VERB
fsr-3485	63	9	on	on	ADP
fsr-3485	63	10	four	four	NUM
fsr-3485	63	11	elements	element	NOUN
fsr-3485	63	12	:	:	PUNCT
fsr-3485	63	13	(	(	PUNCT
fsr-3485	63	14	1	1	X
fsr-3485	63	15	)	)	PUNCT
fsr-3485	63	16	control	control	NOUN
fsr-3485	63	17	over	over	ADP
fsr-3485	63	18	daily	daily	ADJ
fsr-3485	63	19	and	and	CCONJ
fsr-3485	63	20	monthly	monthly	ADJ
fsr-3485	63	21	finances	finance	NOUN
fsr-3485	63	22	,	,	PUNCT
fsr-3485	63	23	(	(	PUNCT
fsr-3485	63	24	2	2	X
fsr-3485	63	25	)	)	PUNCT
fsr-3485	63	26	capacity	capacity	NOUN
fsr-3485	63	27	to	to	PART
fsr-3485	63	28	absorb	absorb	VERB
fsr-3485	63	29	a	a	DET
fsr-3485	63	30	financial	financial	ADJ
fsr-3485	63	31	shock	shock	NOUN
fsr-3485	63	32	,	,	PUNCT
fsr-3485	63	33	(	(	PUNCT
fsr-3485	63	34	3	3	X
fsr-3485	63	35	)	)	PUNCT
fsr-3485	63	36	on	on	ADP
fsr-3485	63	37	track	track	NOUN
fsr-3485	63	38	to	to	PART
fsr-3485	63	39	meet	meet	VERB
fsr-3485	63	40	financial	financial	ADJ
fsr-3485	63	41	goals	goal	NOUN
fsr-3485	63	42	,	,	PUNCT
fsr-3485	63	43	and	and	CCONJ
fsr-3485	63	44	(	(	PUNCT
fsr-3485	63	45	4	4	X
fsr-3485	63	46	)	)	PUNCT
fsr-3485	63	47	the	the	DET
fsr-3485	63	48	financial	financial	ADJ
fsr-3485	63	49	freedom	freedom	NOUN
fsr-3485	63	50	to	to	PART
fsr-3485	63	51	make	make	VERB
fsr-3485	63	52	choices	choice	NOUN
fsr-3485	63	53	that	that	PRON
fsr-3485	63	54	allow	allow	VERB
fsr-3485	63	55	enjoyment	enjoyment	NOUN
fsr-3485	63	56	of	of	ADP
fsr-3485	63	57	life	life	NOUN
fsr-3485	63	58	.	.	PUNCT
fsr-3485	64	1	an	an	DET
fsr-3485	64	2	individual	individual	NOUN
fsr-3485	64	3	with	with	ADP
fsr-3485	64	4	a	a	DET
fsr-3485	64	5	high	high	ADJ
fsr-3485	64	6	level	level	NOUN
fsr-3485	64	7	of	of	ADP
fsr-3485	64	8	financial	financial	ADJ
fsr-3485	64	9	well	well	ADV
fsr-3485	64	10	-	-	PUNCT
fsr-3485	64	11	being	being	NOUN
fsr-3485	64	12	feels	feel	VERB
fsr-3485	64	13	that	that	SCONJ
fsr-3485	64	14	he	he	PRON
fsr-3485	64	15	can	can	AUX
fsr-3485	64	16	meet	meet	VERB
fsr-3485	64	17	current	current	ADJ
fsr-3485	64	18	and	and	CCONJ
fsr-3485	64	19	future	future	ADJ
fsr-3485	64	20	financial	financial	ADJ
fsr-3485	64	21	obligations	obligation	NOUN
fsr-3485	64	22	,	,	PUNCT
fsr-3485	64	23	is	be	AUX
fsr-3485	64	24	secure	secure	ADJ
fsr-3485	64	25	in	in	ADP
fsr-3485	64	26	his	his	PRON
fsr-3485	64	27	financial	financial	ADJ
fsr-3485	64	28	future	future	NOUN
fsr-3485	64	29	,	,	PUNCT
fsr-3485	64	30	and	and	CCONJ
fsr-3485	64	31	the	the	DET
fsr-3485	64	32	ability	ability	NOUN
fsr-3485	64	33	to	to	PART
fsr-3485	64	34	make	make	VERB
fsr-3485	64	35	choices	choice	NOUN
fsr-3485	64	36	that	that	PRON
fsr-3485	64	37	allow	allow	VERB
fsr-3485	64	38	enjoyment	enjoyment	NOUN
fsr-3485	64	39	of	of	ADP
fsr-3485	64	40	life	life	NOUN
fsr-3485	64	41	.	.	PUNCT
fsr-3485	65	1	financial	financial	ADJ
fsr-3485	65	2	well	well	ADV
fsr-3485	65	3	-	-	PUNCT
fsr-3485	65	4	being	being	NOUN
fsr-3485	65	5	is	be	AUX
fsr-3485	65	6	operationalized	operationalize	VERB
fsr-3485	65	7	by	by	ADP
fsr-3485	65	8	asking	ask	VERB
fsr-3485	65	9	10	10	NUM
fsr-3485	65	10	questions	question	NOUN
fsr-3485	65	11	on	on	ADP
fsr-3485	65	12	a	a	DET
fsr-3485	65	13	likert	likert	ADJ
fsr-3485	65	14	-	-	PUNCT
fsr-3485	65	15	type	type	NOUN
fsr-3485	65	16	scale	scale	NOUN
fsr-3485	65	17	that	that	PRON
fsr-3485	65	18	are	be	AUX
fsr-3485	65	19	combined	combine	VERB
fsr-3485	65	20	to	to	PART
fsr-3485	65	21	create	create	VERB
fsr-3485	65	22	a	a	DET
fsr-3485	65	23	single	single	ADJ
fsr-3485	65	24	score	score	NOUN
fsr-3485	65	25	.	.	PUNCT
fsr-3485	66	1	this	this	DET
fsr-3485	66	2	single	single	ADJ
fsr-3485	66	3	score	score	NOUN
fsr-3485	66	4	ranges	range	VERB
fsr-3485	66	5	from	from	ADP
fsr-3485	66	6	0	0	NUM
fsr-3485	66	7	to	to	ADP
fsr-3485	66	8	100	100	NUM
fsr-3485	66	9	and	and	CCONJ
fsr-3485	66	10	the	the	DET
fsr-3485	66	11	mean	mean	NOUN
fsr-3485	66	12	is	be	AUX
fsr-3485	66	13	52.30	52.30	NUM
fsr-3485	66	14	.	.	PUNCT
fsr-3485	67	1	fig	fig	NOUN
fsr-3485	67	2	.	.	PUNCT
fsr-3485	68	1	1	1	NUM
fsr-3485	68	2	shows	show	VERB
fsr-3485	68	3	a	a	DET
fsr-3485	68	4	distribution	distribution	NOUN
fsr-3485	68	5	of	of	ADP
fsr-3485	68	6	financial	financial	ADJ
fsr-3485	68	7	well	well	ADV
fsr-3485	68	8	-	-	PUNCT
fsr-3485	68	9	being	being	NOUN
fsr-3485	68	10	scale	scale	NOUN
fsr-3485	68	11	.	.	PUNCT
fsr-3485	69	1	2.1.2	2.1.2	X
fsr-3485	69	2	.	.	PUNCT
fsr-3485	69	3	independent	independent	ADJ
fsr-3485	69	4	variables	variable	NOUN
fsr-3485	69	5	.	.	PUNCT
fsr-3485	70	1	2.1.2.1	2.1.2.1	X
fsr-3485	70	2	.	.	NOUN
fsr-3485	70	3	source	source	NOUN
fsr-3485	70	4	of	of	ADP
fsr-3485	70	5	financial	financial	ADJ
fsr-3485	70	6	advice	advice	NOUN
fsr-3485	70	7	.	.	PUNCT
fsr-3485	71	1	respondents	respondent	NOUN
fsr-3485	71	2	were	be	AUX
fsr-3485	71	3	questioned	question	VERB
fsr-3485	71	4	“	"	PUNCT
fsr-3485	71	5	do	do	AUX
fsr-3485	71	6	you	you	PRON
fsr-3485	71	7	seek	seek	VERB
fsr-3485	71	8	advice	advice	NOUN
fsr-3485	71	9	on	on	ADP
fsr-3485	71	10	matters	matter	NOUN
fsr-3485	71	11	involving	involve	VERB
fsr-3485	71	12	money	money	NOUN
fsr-3485	71	13	from	from	ADP
fsr-3485	71	14	any	any	PRON
fsr-3485	71	15	of	of	ADP
fsr-3485	71	16	the	the	DET
fsr-3485	71	17	following	follow	VERB
fsr-3485	71	18	types	type	NOUN
fsr-3485	71	19	of	of	ADP
fsr-3485	71	20	people	people	NOUN
fsr-3485	71	21	or	or	CCONJ
fsr-3485	71	22	organizations	organization	NOUN
fsr-3485	71	23	?	?	PUNCT
fsr-3485	71	24	”	"	PUNCT
fsr-3485	71	25	with	with	SCONJ
fsr-3485	71	26	several	several	ADJ
fsr-3485	71	27	options	option	NOUN
fsr-3485	71	28	to	to	PART
fsr-3485	71	29	choose	choose	VERB
fsr-3485	71	30	.	.	PUNCT
fsr-3485	72	1	respondents	respondent	NOUN
fsr-3485	72	2	could	could	AUX
fsr-3485	72	3	choose	choose	VERB
fsr-3485	72	4	as	as	ADV
fsr-3485	72	5	many	many	ADJ
fsr-3485	72	6	or	or	CCONJ
fsr-3485	72	7	as	as	ADV
fsr-3485	72	8	few	few	ADJ
fsr-3485	72	9	of	of	ADP
fsr-3485	72	10	the	the	DET
fsr-3485	72	11	options	option	NOUN
fsr-3485	72	12	listed	list	VERB
fsr-3485	72	13	.	.	PUNCT
fsr-3485	73	1	the	the	DET
fsr-3485	73	2	options	option	NOUN
fsr-3485	73	3	included	include	VERB
fsr-3485	73	4	family	family	NOUN
fsr-3485	73	5	,	,	PUNCT
fsr-3485	73	6	employers	employer	NOUN
fsr-3485	73	7	,	,	PUNCT
fsr-3485	73	8	friends	friend	NOUN
fsr-3485	73	9	/	/	SYM
fsr-3485	73	10	co	co	NOUN
fsr-3485	73	11	-	-	NOUN
fsr-3485	73	12	workers	worker	NOUN
fsr-3485	73	13	,	,	PUNCT
fsr-3485	73	14	community	community	NOUN
fsr-3485	73	15	,	,	PUNCT
fsr-3485	73	16	financial	financial	ADJ
fsr-3485	73	17	institution	institution	NOUN
fsr-3485	73	18	,	,	PUNCT
fsr-3485	73	19	financial	financial	ADJ
fsr-3485	73	20	professionals	professional	NOUN
fsr-3485	73	21	and	and	CCONJ
fsr-3485	73	22	government	government	NOUN
fsr-3485	73	23	.	.	PUNCT
fsr-3485	74	1	family	family	NOUN
fsr-3485	74	2	included	include	VERB
fsr-3485	74	3	parents	parent	NOUN
fsr-3485	74	4	,	,	PUNCT
fsr-3485	74	5	spouses	spouse	NOUN
fsr-3485	74	6	(	(	PUNCT
fsr-3485	74	7	or	or	CCONJ
fsr-3485	74	8	partners	partner	NOUN
fsr-3485	74	9	)	)	PUNCT
fsr-3485	74	10	,	,	PUNCT
fsr-3485	74	11	and	and	CCONJ
fsr-3485	74	12	even	even	ADV
fsr-3485	74	13	extended	extended	ADJ
fsr-3485	74	14	family	family	NOUN
fsr-3485	74	15	members	member	NOUN
fsr-3485	74	16	such	such	ADJ
fsr-3485	74	17	as	as	ADP
fsr-3485	74	18	cousins	cousin	NOUN
fsr-3485	74	19	.	.	PUNCT
fsr-3485	75	1	the	the	DET
fsr-3485	75	2	friends	friend	NOUN
fsr-3485	75	3	/	/	SYM
fsr-3485	75	4	co	co	NOUN
fsr-3485	75	5	-	-	NOUN
fsr-3485	75	6	workers	worker	NOUN
fsr-3485	75	7	option	option	NOUN
fsr-3485	75	8	included	include	VERB
fsr-3485	75	9	co	co	NOUN
fsr-3485	75	10	-	-	NOUN
fsr-3485	75	11	workers	worker	NOUN
fsr-3485	75	12	and	and	CCONJ
fsr-3485	75	13	those	those	DET
fsr-3485	75	14	friends	friend	NOUN
fsr-3485	75	15	outside	outside	ADP
fsr-3485	75	16	of	of	ADP
fsr-3485	75	17	the	the	DET
fsr-3485	75	18	workplace	workplace	NOUN
fsr-3485	75	19	and	and	CCONJ
fsr-3485	75	20	different	different	ADJ
fsr-3485	75	21	types	type	NOUN
fsr-3485	75	22	of	of	ADP
fsr-3485	75	23	employers	employer	NOUN
fsr-3485	75	24	combined	combine	VERB
fsr-3485	75	25	into	into	ADP
fsr-3485	75	26	a	a	DET
fsr-3485	75	27	single	single	ADJ
fsr-3485	75	28	employer	employer	NOUN
fsr-3485	75	29	option	option	NOUN
fsr-3485	75	30	.	.	PUNCT
fsr-3485	76	1	the	the	DET
fsr-3485	76	2	community	community	NOUN
fsr-3485	76	3	option	option	NOUN
fsr-3485	76	4	included	include	VERB
fsr-3485	76	5	community	community	NOUN
fsr-3485	76	6	or	or	CCONJ
fsr-3485	76	7	faith	faith	NOUN
fsr-3485	76	8	-	-	PUNCT
fsr-3485	76	9	based	base	VERB
fsr-3485	76	10	organizations	organization	NOUN
fsr-3485	76	11	.	.	PUNCT
fsr-3485	77	1	the	the	DET
fsr-3485	77	2	financial	financial	ADJ
fsr-3485	77	3	professional	professional	ADJ
fsr-3485	77	4	option	option	NOUN
fsr-3485	77	5	included	include	VERB
fsr-3485	77	6	financial	financial	ADJ
fsr-3485	77	7	advisors	advisor	NOUN
fsr-3485	77	8	,	,	PUNCT
fsr-3485	77	9	planners	planner	NOUN
fsr-3485	77	10	,	,	PUNCT
fsr-3485	77	11	counselors	counselor	NOUN
fsr-3485	77	12	,	,	PUNCT
fsr-3485	77	13	or	or	CCONJ
fsr-3485	77	14	coaches	coach	NOUN
fsr-3485	77	15	.	.	PUNCT
fsr-3485	78	1	fig	fig	NOUN
fsr-3485	78	2	.	.	PUNCT
fsr-3485	79	1	1	1	X
fsr-3485	79	2	.	.	X
fsr-3485	79	3	distribution	distribution	NOUN
fsr-3485	79	4	of	of	ADP
fsr-3485	79	5	financial	financial	ADJ
fsr-3485	79	6	well	well	ADV
fsr-3485	79	7	-	-	PUNCT
fsr-3485	79	8	being	being	NOUN
fsr-3485	79	9	scale	scale	NOUN
fsr-3485	79	10	,	,	PUNCT
fsr-3485	79	11	2016	2016	NUM
fsr-3485	79	12	nfwbs	nfwb	NOUN
fsr-3485	79	13	.	.	PUNCT
fsr-3485	80	1	note	note	NOUN
fsr-3485	80	2	:	:	PUNCT
fsr-3485	80	3	weighted	weight	VERB
fsr-3485	80	4	results	result	NOUN
fsr-3485	80	5	.	.	PUNCT
fsr-3485	81	1	nfwbs	nfwb	VERB
fsr-3485	81	2	=	=	SYM
fsr-3485	81	3	national	national	ADJ
fsr-3485	81	4	financial	financial	ADJ
fsr-3485	81	5	well	well	ADV
fsr-3485	81	6	-	-	PUNCT
fsr-3485	81	7	being	being	NOUN
fsr-3485	81	8	survey	survey	NOUN
fsr-3485	81	9	.	.	PUNCT
fsr-3485	82	1	194	194	NUM
fsr-3485	82	2	r.	r.	PROPN
fsr-3485	82	3	stebbins	stebbins	PROPN
fsr-3485	82	4	et	et	PROPN
fsr-3485	82	5	al	al	PROPN
fsr-3485	82	6	.	.	PUNCT
fsr-3485	82	7	/	/	SYM
fsr-3485	82	8	financial	financial	ADJ
fsr-3485	82	9	services	service	NOUN
fsr-3485	82	10	review	review	VERB
fsr-3485	82	11	30	30	NUM
fsr-3485	82	12	(	(	PUNCT
fsr-3485	82	13	2022	2022	NUM
fsr-3485	82	14	)	)	PUNCT
fsr-3485	82	15	191–204	191–204	NUM
fsr-3485	82	16	2.1.2.2	2.1.2.2	NUM
fsr-3485	82	17	.	.	PUNCT
fsr-3485	83	1	control	control	NOUN
fsr-3485	83	2	variables	variable	NOUN
fsr-3485	83	3	.	.	PUNCT
fsr-3485	84	1	according	accord	VERB
fsr-3485	84	2	to	to	ADP
fsr-3485	84	3	the	the	DET
fsr-3485	84	4	cfpb	cfpb	NOUN
fsr-3485	84	5	,	,	PUNCT
fsr-3485	84	6	financial	financial	ADJ
fsr-3485	84	7	well	well	NOUN
fsr-3485	84	8	-	-	PUNCT
fsr-3485	84	9	being	being	NOUN
fsr-3485	84	10	may	may	AUX
fsr-3485	84	11	be	be	AUX
fsr-3485	84	12	influenced	influence	VERB
fsr-3485	84	13	by	by	ADP
fsr-3485	84	14	:	:	PUNCT
fsr-3485	84	15	(	(	PUNCT
fsr-3485	84	16	1	1	X
fsr-3485	84	17	)	)	PUNCT
fsr-3485	84	18	income	income	NOUN
fsr-3485	84	19	and	and	CCONJ
fsr-3485	84	20	employment	employment	NOUN
fsr-3485	84	21	;	;	PUNCT
fsr-3485	84	22	(	(	PUNCT
fsr-3485	84	23	2	2	X
fsr-3485	84	24	)	)	PUNCT
fsr-3485	84	25	savings	saving	NOUN
fsr-3485	84	26	and	and	CCONJ
fsr-3485	84	27	safety	safety	NOUN
fsr-3485	84	28	nets	net	NOUN
fsr-3485	84	29	;	;	PUNCT
fsr-3485	84	30	(	(	PUNCT
fsr-3485	84	31	3	3	X
fsr-3485	84	32	)	)	PUNCT
fsr-3485	84	33	past	past	ADP
fsr-3485	84	34	financial	financial	ADJ
fsr-3485	84	35	experience	experience	NOUN
fsr-3485	84	36	;	;	PUNCT
fsr-3485	84	37	and	and	CCONJ
fsr-3485	84	38	(	(	PUNCT
fsr-3485	84	39	4	4	X
fsr-3485	84	40	)	)	PUNCT
fsr-3485	84	41	financial	financial	ADJ
fsr-3485	84	42	behaviors	behavior	NOUN
fsr-3485	84	43	,	,	PUNCT
fsr-3485	84	44	skills	skill	NOUN
fsr-3485	84	45	,	,	PUNCT
fsr-3485	84	46	and	and	CCONJ
fsr-3485	84	47	attitudes	attitude	NOUN
fsr-3485	84	48	.	.	PUNCT
fsr-3485	85	1	in	in	ADP
fsr-3485	85	2	addition	addition	NOUN
fsr-3485	85	3	to	to	ADP
fsr-3485	85	4	the	the	DET
fsr-3485	85	5	source	source	NOUN
fsr-3485	85	6	of	of	ADP
fsr-3485	85	7	financial	financial	ADJ
fsr-3485	85	8	advice	advice	NOUN
fsr-3485	85	9	,	,	PUNCT
fsr-3485	85	10	financial	financial	ADJ
fsr-3485	85	11	skill	skill	NOUN
fsr-3485	85	12	and	and	CCONJ
fsr-3485	85	13	financial	financial	ADJ
fsr-3485	85	14	knowledge	knowledge	NOUN
fsr-3485	85	15	are	be	AUX
fsr-3485	85	16	included	include	VERB
fsr-3485	85	17	in	in	ADP
fsr-3485	85	18	our	our	PRON
fsr-3485	85	19	model	model	NOUN
fsr-3485	85	20	.	.	PUNCT
fsr-3485	86	1	the	the	DET
fsr-3485	86	2	financial	financial	ADJ
fsr-3485	86	3	knowledge	knowledge	NOUN
fsr-3485	86	4	is	be	AUX
fsr-3485	86	5	measured	measure	VERB
fsr-3485	86	6	based	base	VERB
fsr-3485	86	7	on	on	ADP
fsr-3485	86	8	three	three	NUM
fsr-3485	86	9	financial	financial	ADJ
fsr-3485	86	10	knowledge	knowledge	NOUN
fsr-3485	86	11	questions	question	NOUN
fsr-3485	86	12	related	relate	VERB
fsr-3485	86	13	to	to	ADP
fsr-3485	86	14	personal	personal	ADJ
fsr-3485	86	15	finance	finance	NOUN
fsr-3485	86	16	topic	topic	NOUN
fsr-3485	86	17	of	of	ADP
fsr-3485	86	18	compound	compound	NOUN
fsr-3485	86	19	interest	interest	NOUN
fsr-3485	86	20	,	,	PUNCT
fsr-3485	86	21	inflation	inflation	NOUN
fsr-3485	86	22	and	and	CCONJ
fsr-3485	86	23	stock	stock	NOUN
fsr-3485	86	24	(	(	PUNCT
fsr-3485	86	25	lusardi	lusardi	PROPN
fsr-3485	86	26	&	&	CCONJ
fsr-3485	86	27	mitchell	mitchell	PROPN
fsr-3485	86	28	,	,	PUNCT
fsr-3485	86	29	2008).the	2008).the	DET
fsr-3485	86	30	number	number	NOUN
fsr-3485	86	31	of	of	ADP
fsr-3485	86	32	correct	correct	ADJ
fsr-3485	86	33	answers	answer	NOUN
fsr-3485	86	34	was	be	AUX
fsr-3485	86	35	summed	sum	VERB
fsr-3485	86	36	,	,	PUNCT
fsr-3485	86	37	ranging	range	VERB
fsr-3485	86	38	from	from	ADP
fsr-3485	86	39	0	0	NUM
fsr-3485	86	40	to	to	ADP
fsr-3485	86	41	3	3	NUM
fsr-3485	86	42	.	.	PUNCT
fsr-3485	87	1	the	the	DET
fsr-3485	87	2	financial	financial	ADJ
fsr-3485	87	3	skill	skill	NOUN
fsr-3485	87	4	scale	scale	NOUN
fsr-3485	87	5	is	be	AUX
fsr-3485	87	6	a	a	DET
fsr-3485	87	7	10	10	NUM
fsr-3485	87	8	-	-	PUNCT
fsr-3485	87	9	item	item	NOUN
fsr-3485	87	10	likert	likert	ADJ
fsr-3485	87	11	type	type	NOUN
fsr-3485	87	12	scale	scale	NOUN
fsr-3485	87	13	that	that	PRON
fsr-3485	87	14	asks	ask	VERB
fsr-3485	87	15	respondents	respondent	NOUN
fsr-3485	87	16	to	to	PART
fsr-3485	87	17	answer	answer	VERB
fsr-3485	87	18	questions	question	NOUN
fsr-3485	87	19	about	about	ADP
fsr-3485	87	20	their	their	PRON
fsr-3485	87	21	perceived	perceive	VERB
fsr-3485	87	22	skill	skill	NOUN
fsr-3485	87	23	in	in	ADP
fsr-3485	87	24	learning	learn	VERB
fsr-3485	87	25	about	about	ADP
fsr-3485	87	26	finances	finance	NOUN
fsr-3485	87	27	,	,	PUNCT
fsr-3485	87	28	making	make	VERB
fsr-3485	87	29	financial	financial	ADJ
fsr-3485	87	30	decisions	decision	NOUN
fsr-3485	87	31	,	,	PUNCT
fsr-3485	87	32	and	and	CCONJ
fsr-3485	87	33	recognizing	recognize	VERB
fsr-3485	87	34	when	when	SCONJ
fsr-3485	87	35	they	they	PRON
fsr-3485	87	36	need	need	VERB
fsr-3485	87	37	more	more	ADJ
fsr-3485	87	38	information	information	NOUN
fsr-3485	87	39	or	or	CCONJ
fsr-3485	87	40	help	help	VERB
fsr-3485	87	41	to	to	PART
fsr-3485	87	42	make	make	VERB
fsr-3485	87	43	a	a	DET
fsr-3485	87	44	financial	financial	ADJ
fsr-3485	87	45	decision	decision	NOUN
fsr-3485	87	46	.	.	PUNCT
fsr-3485	88	1	the	the	DET
fsr-3485	88	2	questions	question	NOUN
fsr-3485	88	3	are	be	AUX
fsr-3485	88	4	combined	combine	VERB
fsr-3485	88	5	to	to	PART
fsr-3485	88	6	create	create	VERB
fsr-3485	88	7	a	a	DET
fsr-3485	88	8	single	single	ADJ
fsr-3485	88	9	score	score	NOUN
fsr-3485	88	10	that	that	PRON
fsr-3485	88	11	ranges	range	VERB
fsr-3485	88	12	from	from	ADP
fsr-3485	88	13	0	0	NUM
fsr-3485	88	14	to	to	ADP
fsr-3485	88	15	100	100	NUM
fsr-3485	88	16	and	and	CCONJ
fsr-3485	88	17	the	the	DET
fsr-3485	88	18	mean	mean	NOUN
fsr-3485	88	19	is	be	AUX
fsr-3485	88	20	49.89	49.89	NUM
fsr-3485	88	21	.	.	PUNCT
fsr-3485	89	1	this	this	DET
fsr-3485	89	2	study	study	NOUN
fsr-3485	89	3	also	also	ADV
fsr-3485	89	4	included	include	VERB
fsr-3485	89	5	the	the	DET
fsr-3485	89	6	following	follow	VERB
fsr-3485	89	7	set	set	NOUN
fsr-3485	89	8	of	of	ADP
fsr-3485	89	9	control	control	NOUN
fsr-3485	89	10	variables	variable	NOUN
fsr-3485	89	11	such	such	ADJ
fsr-3485	89	12	as	as	ADP
fsr-3485	89	13	age	age	NOUN
fsr-3485	89	14	(	(	PUNCT
fsr-3485	89	15	18	18	NUM
fsr-3485	89	16	-	-	SYM
fsr-3485	89	17	24	24	NUM
fsr-3485	89	18	;	;	PUNCT
fsr-3485	89	19	25–34	25–34	NUM
fsr-3485	89	20	;	;	PUNCT
fsr-3485	89	21	35–44	35–44	NUM
fsr-3485	89	22	;	;	PUNCT
fsr-3485	89	23	45–54	45–54	NUM
fsr-3485	89	24	;	;	PUNCT
fsr-3485	89	25	55–64	55–64	NUM
fsr-3485	89	26	;	;	PUNCT
fsr-3485	89	27	65–74	65–74	NUM
fsr-3485	89	28	;	;	PUNCT
fsr-3485	89	29	75	75	NUM
fsr-3485	89	30	,	,	PUNCT
fsr-3485	89	31	or	or	CCONJ
fsr-3485	89	32	older	old	ADJ
fsr-3485	89	33	)	)	PUNCT
fsr-3485	89	34	,	,	PUNCT
fsr-3485	89	35	gender	gender	NOUN
fsr-3485	89	36	(	(	PUNCT
fsr-3485	89	37	male	male	NOUN
fsr-3485	89	38	,	,	PUNCT
fsr-3485	89	39	female	female	NOUN
fsr-3485	89	40	)	)	PUNCT
fsr-3485	89	41	,	,	PUNCT
fsr-3485	89	42	marital	marital	ADJ
fsr-3485	89	43	status	status	NOUN
fsr-3485	89	44	(	(	PUNCT
fsr-3485	89	45	married	married	ADJ
fsr-3485	89	46	,	,	PUNCT
fsr-3485	89	47	partner	partner	NOUN
fsr-3485	89	48	,	,	PUNCT
fsr-3485	89	49	single	single	ADJ
fsr-3485	89	50	,	,	PUNCT
fsr-3485	89	51	or	or	CCONJ
fsr-3485	89	52	separated	separate	VERB
fsr-3485	89	53	/	/	SYM
fsr-3485	89	54	divorced	divorce	VERB
fsr-3485	89	55	/	/	SYM
fsr-3485	89	56	widowed	widow	VERB
fsr-3485	89	57	)	)	PUNCT
fsr-3485	89	58	,	,	PUNCT
fsr-3485	89	59	race	race	NOUN
fsr-3485	89	60	/	/	SYM
fsr-3485	89	61	ethnicity	ethnicity	NOUN
fsr-3485	89	62	(	(	PUNCT
fsr-3485	89	63	white	white	ADJ
fsr-3485	89	64	,	,	PUNCT
fsr-3485	89	65	black	black	ADJ
fsr-3485	89	66	,	,	PUNCT
fsr-3485	89	67	hispanic	hispanic	ADJ
fsr-3485	89	68	,	,	PUNCT
fsr-3485	89	69	or	or	CCONJ
fsr-3485	89	70	others	other	NOUN
fsr-3485	89	71	)	)	PUNCT
fsr-3485	89	72	,	,	PUNCT
fsr-3485	89	73	employment	employment	NOUN
fsr-3485	89	74	status	status	NOUN
fsr-3485	89	75	(	(	PUNCT
fsr-3485	89	76	self	self	NOUN
fsr-3485	89	77	-	-	PUNCT
fsr-3485	89	78	employed	employ	VERB
fsr-3485	89	79	,	,	PUNCT
fsr-3485	89	80	employee	employee	NOUN
fsr-3485	89	81	,	,	PUNCT
fsr-3485	89	82	homemaker	homemaker	NOUN
fsr-3485	89	83	,	,	PUNCT
fsr-3485	89	84	student	student	NOUN
fsr-3485	89	85	,	,	PUNCT
fsr-3485	89	86	disabled	disabled	ADJ
fsr-3485	89	87	,	,	PUNCT
fsr-3485	89	88	or	or	CCONJ
fsr-3485	89	89	retired	retire	VERB
fsr-3485	89	90	)	)	PUNCT
fsr-3485	89	91	,	,	PUNCT
fsr-3485	89	92	education	education	NOUN
fsr-3485	89	93	(	(	PUNCT
fsr-3485	89	94	less	less	ADJ
fsr-3485	89	95	than	than	ADP
fsr-3485	89	96	high	high	ADJ
fsr-3485	89	97	school	school	NOUN
fsr-3485	89	98	,	,	PUNCT
fsr-3485	89	99	high	high	ADJ
fsr-3485	89	100	school	school	NOUN
fsr-3485	89	101	diploma	diploma	NOUN
fsr-3485	89	102	,	,	PUNCT
fsr-3485	89	103	some	some	DET
fsr-3485	89	104	college	college	NOUN
fsr-3485	89	105	,	,	PUNCT
fsr-3485	89	106	bachelor	bachelor	NOUN
fsr-3485	89	107	’s	’s	PART
fsr-3485	89	108	degree	degree	NOUN
fsr-3485	89	109	,	,	PUNCT
fsr-3485	89	110	or	or	CCONJ
fsr-3485	89	111	postbachelor	postbachelor	NOUN
fsr-3485	89	112	’s	’s	PART
fsr-3485	89	113	degree	degree	NOUN
fsr-3485	89	114	)	)	PUNCT
fsr-3485	89	115	,	,	PUNCT
fsr-3485	89	116	household	household	NOUN
fsr-3485	89	117	income	income	NOUN
fsr-3485	89	118	(	(	PUNCT
fsr-3485	89	119	0–$20,000	0–$20,000	NUM
fsr-3485	89	120	;	;	PUNCT
fsr-3485	89	121	$	$	SYM
fsr-3485	89	122	20,000–$29,9000	20,000–$29,9000	NUM
fsr-3485	89	123	;	;	PUNCT
fsr-3485	89	124	$	$	SYM
fsr-3485	89	125	30,000–$49,900	30,000–$49,900	NUM
fsr-3485	89	126	;	;	PUNCT
fsr-3485	89	127	$	$	SYM
fsr-3485	89	128	50,000–$74,900	50,000–$74,900	NUM
fsr-3485	89	129	;	;	PUNCT
fsr-3485	89	130	$	$	SYM
fsr-3485	89	131	75,000–$99,900	75,000–$99,900	NUM
fsr-3485	89	132	;	;	PUNCT
fsr-3485	89	133	or	or	CCONJ
fsr-3485	89	134	$	$	SYM
fsr-3485	89	135	100,000	100,000	NUM
fsr-3485	89	136	or	or	CCONJ
fsr-3485	89	137	more	more	ADJ
fsr-3485	89	138	)	)	PUNCT
fsr-3485	89	139	and	and	CCONJ
fsr-3485	89	140	census	census	NOUN
fsr-3485	89	141	division	division	NOUN
fsr-3485	89	142	(	(	PUNCT
fsr-3485	89	143	new	new	PROPN
fsr-3485	89	144	england	england	PROPN
fsr-3485	89	145	,	,	PUNCT
fsr-3485	89	146	mid	mid	PROPN
fsr-3485	89	147	-	-	NOUN
fsr-3485	89	148	atlantic	atlantic	ADJ
fsr-3485	89	149	,	,	PUNCT
fsr-3485	89	150	east	east	NOUN
fsr-3485	89	151	-	-	PUNCT
fsr-3485	89	152	north	north	NOUN
fsr-3485	89	153	central	central	ADJ
fsr-3485	89	154	,	,	PUNCT
fsr-3485	89	155	west	west	ADJ
fsr-3485	89	156	-	-	PUNCT
fsr-3485	89	157	north	north	NOUN
fsr-3485	89	158	central	central	ADJ
fsr-3485	89	159	,	,	PUNCT
fsr-3485	89	160	south	south	ADJ
fsr-3485	89	161	atlantic	atlantic	PROPN
fsr-3485	89	162	,	,	PUNCT
fsr-3485	89	163	east	east	PROPN
fsr-3485	89	164	-	-	PUNCT
fsr-3485	89	165	south	south	PROPN
fsr-3485	89	166	central	central	ADJ
fsr-3485	89	167	,	,	PUNCT
fsr-3485	89	168	west	west	ADJ
fsr-3485	89	169	-	-	PUNCT
fsr-3485	89	170	south	south	NOUN
fsr-3485	89	171	central	central	ADJ
fsr-3485	89	172	,	,	PUNCT
fsr-3485	89	173	mountain	mountain	NOUN
fsr-3485	89	174	,	,	PUNCT
fsr-3485	89	175	or	or	CCONJ
fsr-3485	89	176	pacific	pacific	ADJ
fsr-3485	89	177	)	)	PUNCT
fsr-3485	89	178	.	.	PUNCT
fsr-3485	90	1	2.1.2.3	2.1.2.3	X
fsr-3485	90	2	.	.	PUNCT
fsr-3485	90	3	statistical	statistical	ADJ
fsr-3485	90	4	analysis	analysis	NOUN
fsr-3485	90	5	.	.	PUNCT
fsr-3485	91	1	for	for	ADP
fsr-3485	91	2	descriptive	descriptive	ADJ
fsr-3485	91	3	results	result	NOUN
fsr-3485	91	4	,	,	PUNCT
fsr-3485	91	5	we	we	PRON
fsr-3485	91	6	conducted	conduct	VERB
fsr-3485	91	7	several	several	ADJ
fsr-3485	91	8	t	t	NOUN
fsr-3485	91	9	-	-	PUNCT
fsr-3485	91	10	tests	test	NOUN
fsr-3485	91	11	to	to	PART
fsr-3485	91	12	compare	compare	VERB
fsr-3485	91	13	the	the	DET
fsr-3485	91	14	value	value	NOUN
fsr-3485	91	15	of	of	ADP
fsr-3485	91	16	financial	financial	ADJ
fsr-3485	91	17	well	well	NOUN
fsr-3485	91	18	-	-	PUNCT
fsr-3485	91	19	being	being	NOUN
fsr-3485	91	20	across	across	ADP
fsr-3485	91	21	different	different	ADJ
fsr-3485	91	22	sources	source	NOUN
fsr-3485	91	23	of	of	ADP
fsr-3485	91	24	financial	financial	ADJ
fsr-3485	91	25	advice	advice	NOUN
fsr-3485	91	26	.	.	PUNCT
fsr-3485	92	1	further	far	ADV
fsr-3485	92	2	,	,	PUNCT
fsr-3485	92	3	this	this	DET
fsr-3485	92	4	study	study	NOUN
fsr-3485	92	5	used	use	VERB
fsr-3485	92	6	an	an	DET
fsr-3485	92	7	ordinary	ordinary	ADJ
fsr-3485	92	8	least	least	ADJ
fsr-3485	92	9	squares	square	NOUN
fsr-3485	92	10	(	(	PUNCT
fsr-3485	92	11	ols	ol	NOUN
fsr-3485	92	12	)	)	PUNCT
fsr-3485	92	13	regression	regression	NOUN
fsr-3485	92	14	model	model	NOUN
fsr-3485	92	15	to	to	PART
fsr-3485	92	16	analyze	analyze	VERB
fsr-3485	92	17	the	the	DET
fsr-3485	92	18	association	association	NOUN
fsr-3485	92	19	between	between	ADP
fsr-3485	92	20	financial	financial	ADJ
fsr-3485	92	21	professional	professional	ADJ
fsr-3485	92	22	use	use	NOUN
fsr-3485	92	23	and	and	CCONJ
fsr-3485	92	24	financial	financial	ADJ
fsr-3485	92	25	well	well	NOUN
fsr-3485	92	26	-	-	PUNCT
fsr-3485	92	27	being	being	NOUN
fsr-3485	92	28	,	,	PUNCT
fsr-3485	92	29	controlling	control	VERB
fsr-3485	92	30	for	for	ADP
fsr-3485	92	31	various	various	ADJ
fsr-3485	92	32	household	household	NOUN
fsr-3485	92	33	characteristics	characteristic	NOUN
fsr-3485	92	34	.	.	PUNCT
fsr-3485	93	1	for	for	ADP
fsr-3485	93	2	robustness	robustness	NOUN
fsr-3485	93	3	check	check	NOUN
fsr-3485	93	4	,	,	PUNCT
fsr-3485	93	5	we	we	PRON
fsr-3485	93	6	conducted	conduct	VERB
fsr-3485	93	7	regression	regression	NOUN
fsr-3485	93	8	analyses	analysis	NOUN
fsr-3485	93	9	on	on	ADP
fsr-3485	93	10	a	a	DET
fsr-3485	93	11	subsample	subsample	NOUN
fsr-3485	93	12	that	that	PRON
fsr-3485	93	13	used	use	VERB
fsr-3485	93	14	any	any	DET
fsr-3485	93	15	source	source	NOUN
fsr-3485	93	16	of	of	ADP
fsr-3485	93	17	financial	financial	ADJ
fsr-3485	93	18	advice	advice	NOUN
fsr-3485	93	19	.	.	PUNCT
fsr-3485	94	1	all	all	PRON
fsr-3485	94	2	of	of	ADP
fsr-3485	94	3	our	our	PRON
fsr-3485	94	4	results	result	NOUN
fsr-3485	94	5	were	be	AUX
fsr-3485	94	6	weighted	weight	VERB
fsr-3485	94	7	using	use	VERB
fsr-3485	94	8	the	the	DET
fsr-3485	94	9	survey	survey	NOUN
fsr-3485	94	10	weight	weight	NOUN
fsr-3485	94	11	provided	provide	VERB
fsr-3485	94	12	by	by	ADP
fsr-3485	94	13	the	the	DET
fsr-3485	94	14	2016	2016	NUM
fsr-3485	94	15	nfwbs	nfwb	NOUN
fsr-3485	94	16	.	.	PUNCT
fsr-3485	95	1	3	3	X
fsr-3485	95	2	.	.	X
fsr-3485	95	3	results	result	VERB
fsr-3485	95	4	3.1	3.1	NUM
fsr-3485	95	5	.	.	PUNCT
fsr-3485	95	6	descriptive	descriptive	ADJ
fsr-3485	95	7	results	result	NOUN
fsr-3485	95	8	fig	fig	NOUN
fsr-3485	95	9	.	.	PUNCT
fsr-3485	96	1	2	2	NUM
fsr-3485	96	2	shows	show	VERB
fsr-3485	96	3	descriptive	descriptive	ADJ
fsr-3485	96	4	results	result	NOUN
fsr-3485	96	5	of	of	ADP
fsr-3485	96	6	different	different	ADJ
fsr-3485	96	7	sources	source	NOUN
fsr-3485	96	8	of	of	ADP
fsr-3485	96	9	financial	financial	ADJ
fsr-3485	96	10	advice	advice	NOUN
fsr-3485	96	11	.	.	PUNCT
fsr-3485	97	1	the	the	DET
fsr-3485	97	2	results	result	NOUN
fsr-3485	97	3	showed	show	VERB
fsr-3485	97	4	that	that	SCONJ
fsr-3485	97	5	most	most	ADJ
fsr-3485	97	6	of	of	ADP
fsr-3485	97	7	the	the	DET
fsr-3485	97	8	respondents	respondent	NOUN
fsr-3485	97	9	,	,	PUNCT
fsr-3485	97	10	63	63	NUM
fsr-3485	97	11	%	%	NOUN
fsr-3485	97	12	,	,	PUNCT
fsr-3485	97	13	received	receive	VERB
fsr-3485	97	14	financial	financial	ADJ
fsr-3485	97	15	advice	advice	NOUN
fsr-3485	97	16	from	from	ADP
fsr-3485	97	17	family	family	NOUN
fsr-3485	97	18	members	member	NOUN
fsr-3485	97	19	.	.	PUNCT
fsr-3485	98	1	less	less	ADJ
fsr-3485	98	2	than	than	ADP
fsr-3485	98	3	4	4	NUM
fsr-3485	98	4	%	%	NOUN
fsr-3485	98	5	of	of	ADP
fsr-3485	98	6	the	the	DET
fsr-3485	98	7	respondents	respondent	NOUN
fsr-3485	98	8	relied	rely	VERB
fsr-3485	98	9	on	on	ADP
fsr-3485	98	10	the	the	DET
fsr-3485	98	11	government	government	NOUN
fsr-3485	98	12	or	or	CCONJ
fsr-3485	98	13	the	the	DET
fsr-3485	98	14	community	community	NOUN
fsr-3485	98	15	for	for	ADP
fsr-3485	98	16	financial	financial	ADJ
fsr-3485	98	17	advice	advice	NOUN
fsr-3485	98	18	.	.	PUNCT
fsr-3485	99	1	financial	financial	ADJ
fsr-3485	99	2	professionals	professional	NOUN
fsr-3485	99	3	were	be	AUX
fsr-3485	99	4	the	the	DET
fsr-3485	99	5	third	third	ADV
fsr-3485	99	6	-	-	PUNCT
fsr-3485	99	7	largest	large	ADJ
fsr-3485	99	8	source	source	NOUN
fsr-3485	99	9	of	of	ADP
fsr-3485	99	10	financial	financial	ADJ
fsr-3485	99	11	advice	advice	NOUN
fsr-3485	99	12	at	at	ADP
fsr-3485	99	13	21.8	21.8	NUM
fsr-3485	99	14	%	%	NOUN
fsr-3485	99	15	.	.	PUNCT
fsr-3485	100	1	lastly	lastly	ADV
fsr-3485	100	2	,	,	PUNCT
fsr-3485	100	3	only	only	ADV
fsr-3485	100	4	18.9	18.9	NUM
fsr-3485	100	5	%	%	NOUN
fsr-3485	100	6	of	of	ADP
fsr-3485	100	7	the	the	DET
fsr-3485	100	8	respondents	respondent	NOUN
fsr-3485	100	9	did	do	AUX
fsr-3485	100	10	not	not	PART
fsr-3485	100	11	consult	consult	VERB
fsr-3485	100	12	with	with	ADP
fsr-3485	100	13	any	any	PRON
fsr-3485	100	14	of	of	ADP
fsr-3485	100	15	the	the	DET
fsr-3485	100	16	given	give	VERB
fsr-3485	100	17	options	option	NOUN
fsr-3485	100	18	for	for	ADP
fsr-3485	100	19	financial	financial	ADJ
fsr-3485	100	20	advice	advice	NOUN
fsr-3485	100	21	.	.	PUNCT
fsr-3485	101	1	note	note	VERB
fsr-3485	101	2	that	that	SCONJ
fsr-3485	101	3	because	because	SCONJ
fsr-3485	101	4	respondents	respondent	NOUN
fsr-3485	101	5	could	could	AUX
fsr-3485	101	6	select	select	VERB
fsr-3485	101	7	multiple	multiple	ADJ
fsr-3485	101	8	sources	source	NOUN
fsr-3485	101	9	,	,	PUNCT
fsr-3485	101	10	the	the	DET
fsr-3485	101	11	total	total	NOUN
fsr-3485	101	12	is	be	AUX
fsr-3485	101	13	well	well	ADV
fsr-3485	101	14	over	over	ADP
fsr-3485	101	15	100	100	NUM
fsr-3485	101	16	%	%	NOUN
fsr-3485	101	17	.	.	PUNCT
fsr-3485	102	1	as	as	SCONJ
fsr-3485	102	2	shown	show	VERB
fsr-3485	102	3	in	in	ADP
fsr-3485	102	4	table	table	NOUN
fsr-3485	102	5	1	1	NUM
fsr-3485	102	6	,	,	PUNCT
fsr-3485	102	7	respondents	respondent	NOUN
fsr-3485	102	8	who	who	PRON
fsr-3485	102	9	used	use	VERB
fsr-3485	102	10	a	a	DET
fsr-3485	102	11	financial	financial	ADJ
fsr-3485	102	12	professional	professional	NOUN
fsr-3485	102	13	for	for	ADP
fsr-3485	102	14	advice	advice	NOUN
fsr-3485	102	15	reported	report	VERB
fsr-3485	102	16	the	the	DET
fsr-3485	102	17	highest	high	ADJ
fsr-3485	102	18	levels	level	NOUN
fsr-3485	102	19	of	of	ADP
fsr-3485	102	20	financial	financial	ADJ
fsr-3485	102	21	well	well	NOUN
fsr-3485	102	22	-	-	PUNCT
fsr-3485	102	23	being	being	NOUN
fsr-3485	102	24	at	at	ADP
fsr-3485	102	25	with	with	ADP
fsr-3485	102	26	a	a	DET
fsr-3485	102	27	mean	mean	ADJ
fsr-3485	102	28	score	score	NOUN
fsr-3485	102	29	of	of	ADP
fsr-3485	102	30	60.7	60.7	NUM
fsr-3485	102	31	.	.	PUNCT
fsr-3485	103	1	the	the	DET
fsr-3485	103	2	mean	mean	ADJ
fsr-3485	103	3	financial	financial	ADJ
fsr-3485	103	4	wellbeing	wellbee	VERB
fsr-3485	103	5	score	score	NOUN
fsr-3485	103	6	ranged	range	VERB
fsr-3485	103	7	from	from	ADP
fsr-3485	103	8	60.7	60.7	NUM
fsr-3485	103	9	down	down	ADV
fsr-3485	103	10	to	to	ADP
fsr-3485	103	11	50.3	50.3	NUM
fsr-3485	103	12	,	,	PUNCT
fsr-3485	103	13	which	which	PRON
fsr-3485	103	14	was	be	AUX
fsr-3485	103	15	associated	associate	VERB
fsr-3485	103	16	with	with	ADP
fsr-3485	103	17	taking	take	VERB
fsr-3485	103	18	advice	advice	NOUN
fsr-3485	103	19	from	from	ADP
fsr-3485	103	20	the	the	DET
fsr-3485	103	21	government	government	NOUN
fsr-3485	103	22	.	.	PUNCT
fsr-3485	104	1	those	those	DET
fsr-3485	104	2	respondents	respondent	NOUN
fsr-3485	104	3	who	who	PRON
fsr-3485	104	4	did	do	AUX
fsr-3485	104	5	not	not	PART
fsr-3485	104	6	receive	receive	VERB
fsr-3485	104	7	any	any	DET
fsr-3485	104	8	financial	financial	ADJ
fsr-3485	104	9	advice	advice	NOUN
fsr-3485	104	10	fared	fare	VERB
fsr-3485	104	11	slightly	slightly	ADV
fsr-3485	104	12	better	well	ADJ
fsr-3485	104	13	than	than	ADP
fsr-3485	104	14	those	those	PRON
fsr-3485	104	15	taking	take	VERB
fsr-3485	104	16	advice	advice	NOUN
fsr-3485	104	17	from	from	ADP
fsr-3485	104	18	the	the	DET
fsr-3485	104	19	government	government	NOUN
fsr-3485	104	20	,	,	PUNCT
fsr-3485	104	21	with	with	ADP
fsr-3485	104	22	a	a	DET
fsr-3485	104	23	mean	mean	ADJ
fsr-3485	104	24	financial	financial	ADJ
fsr-3485	104	25	well	well	ADV
fsr-3485	104	26	-	-	PUNCT
fsr-3485	104	27	being	be	AUX
fsr-3485	104	28	score	score	NOUN
fsr-3485	104	29	of	of	ADP
fsr-3485	104	30	52.2	52.2	NUM
fsr-3485	104	31	.	.	PUNCT
fsr-3485	105	1	r.	r.	PROPN
fsr-3485	105	2	stebbins	stebbins	PROPN
fsr-3485	105	3	et	et	PROPN
fsr-3485	105	4	al	al	PROPN
fsr-3485	105	5	.	.	PUNCT
fsr-3485	106	1	/	/	SYM
fsr-3485	106	2	financial	financial	ADJ
fsr-3485	106	3	services	service	NOUN
fsr-3485	106	4	review	review	VERB
fsr-3485	106	5	30	30	NUM
fsr-3485	106	6	(	(	PUNCT
fsr-3485	106	7	2022	2022	NUM
fsr-3485	106	8	)	)	PUNCT
fsr-3485	107	1	191–204	191–204	NUM
fsr-3485	107	2	195	195	NUM
fsr-3485	107	3	mean	mean	NOUN
fsr-3485	107	4	financial	financial	ADJ
fsr-3485	107	5	well	well	NOUN
fsr-3485	107	6	-	-	PUNCT
fsr-3485	107	7	being	being	NOUN
fsr-3485	107	8	scores	score	NOUN
fsr-3485	107	9	went	go	VERB
fsr-3485	107	10	up	up	ADV
fsr-3485	107	11	to	to	ADP
fsr-3485	107	12	52.7	52.7	NUM
fsr-3485	107	13	for	for	ADP
fsr-3485	107	14	community	community	NOUN
fsr-3485	107	15	advice	advice	NOUN
fsr-3485	107	16	,	,	PUNCT
fsr-3485	107	17	53.2	53.2	NUM
fsr-3485	107	18	for	for	ADP
fsr-3485	107	19	employer	employer	NOUN
fsr-3485	107	20	advice	advice	NOUN
fsr-3485	107	21	,	,	PUNCT
fsr-3485	107	22	54.7	54.7	NUM
fsr-3485	107	23	for	for	ADP
fsr-3485	107	24	advice	advice	NOUN
fsr-3485	107	25	from	from	ADP
fsr-3485	107	26	family	family	NOUN
fsr-3485	107	27	,	,	PUNCT
fsr-3485	107	28	and	and	CCONJ
fsr-3485	107	29	58	58	NUM
fsr-3485	107	30	for	for	ADP
fsr-3485	107	31	advices	advice	NOUN
fsr-3485	107	32	from	from	ADP
fsr-3485	107	33	financial	financial	ADJ
fsr-3485	107	34	institutions	institution	NOUN
fsr-3485	107	35	.	.	PUNCT
fsr-3485	108	1	the	the	DET
fsr-3485	108	2	overall	overall	ADJ
fsr-3485	108	3	mean	mean	ADJ
fsr-3485	108	4	score	score	NOUN
fsr-3485	108	5	on	on	ADP
fsr-3485	108	6	the	the	DET
fsr-3485	108	7	financial	financial	ADJ
fsr-3485	108	8	well	well	ADV
fsr-3485	108	9	-	-	PUNCT
fsr-3485	108	10	being	being	NOUN
fsr-3485	108	11	scale	scale	NOUN
fsr-3485	108	12	was	be	AUX
fsr-3485	108	13	52.3	52.3	NUM
fsr-3485	108	14	.	.	PUNCT
fsr-3485	108	15	table	table	NOUN
fsr-3485	108	16	1	1	NUM
fsr-3485	108	17	also	also	ADV
fsr-3485	108	18	presents	present	VERB
fsr-3485	108	19	t	t	PROPN
fsr-3485	108	20	-	-	PUNCT
fsr-3485	108	21	test	test	NOUN
fsr-3485	108	22	results	result	NOUN
fsr-3485	108	23	,	,	PUNCT
fsr-3485	108	24	including	include	VERB
fsr-3485	108	25	six	six	NUM
fsr-3485	108	26	group	group	NOUN
fsr-3485	108	27	comparisons	comparison	NOUN
fsr-3485	108	28	of	of	ADP
fsr-3485	108	29	financial	financial	ADJ
fsr-3485	108	30	well	well	ADV
fsr-3485	108	31	-	-	PUNCT
fsr-3485	108	32	being	being	NOUN
fsr-3485	108	33	scale	scale	NOUN
fsr-3485	108	34	with	with	ADP
fsr-3485	108	35	a	a	DET
fsr-3485	108	36	reference	reference	NOUN
fsr-3485	108	37	group	group	NOUN
fsr-3485	108	38	of	of	ADP
fsr-3485	108	39	financial	financial	ADJ
fsr-3485	108	40	professional	professional	ADJ
fsr-3485	108	41	use	use	NOUN
fsr-3485	108	42	.	.	PUNCT
fsr-3485	109	1	all	all	DET
fsr-3485	109	2	six	six	NUM
fsr-3485	109	3	pairwise	pairwise	NOUN
fsr-3485	109	4	comparisons	comparison	NOUN
fsr-3485	109	5	are	be	AUX
fsr-3485	109	6	statistically	statistically	ADV
fsr-3485	109	7	significant.1	significant.1	NOUN
fsr-3485	109	8	with	with	ADP
fsr-3485	109	9	a	a	DET
fsr-3485	109	10	mean	mean	ADJ
fsr-3485	109	11	financial	financial	ADJ
fsr-3485	109	12	well	well	ADV
fsr-3485	109	13	-	-	PUNCT
fsr-3485	109	14	being	be	AUX
fsr-3485	109	15	score	score	NOUN
fsr-3485	109	16	of	of	ADP
fsr-3485	109	17	52.3	52.3	NUM
fsr-3485	109	18	,	,	PUNCT
fsr-3485	109	19	the	the	DET
fsr-3485	109	20	final	final	ADJ
fsr-3485	109	21	analytic	analytic	ADJ
fsr-3485	109	22	sample	sample	NOUN
fsr-3485	109	23	was	be	AUX
fsr-3485	109	24	6,248	6,248	NUM
fsr-3485	109	25	respondents	respondent	NOUN
fsr-3485	109	26	.	.	PUNCT
fsr-3485	110	1	the	the	DET
fsr-3485	110	2	mean	mean	ADJ
fsr-3485	110	3	financial	financial	ADJ
fsr-3485	110	4	knowledge	knowledge	NOUN
fsr-3485	110	5	score	score	NOUN
fsr-3485	110	6	was	be	AUX
fsr-3485	110	7	2.44	2.44	NUM
fsr-3485	110	8	out	out	ADP
fsr-3485	110	9	of	of	ADP
fsr-3485	110	10	3	3	NUM
fsr-3485	110	11	,	,	PUNCT
fsr-3485	110	12	and	and	CCONJ
fsr-3485	110	13	the	the	DET
fsr-3485	110	14	mean	mean	ADJ
fsr-3485	110	15	financial	financial	ADJ
fsr-3485	110	16	skills	skill	NOUN
fsr-3485	110	17	score	score	NOUN
fsr-3485	110	18	was	be	AUX
fsr-3485	110	19	49.9	49.9	NUM
fsr-3485	110	20	out	out	ADP
fsr-3485	110	21	of	of	ADP
fsr-3485	110	22	100	100	NUM
fsr-3485	110	23	.	.	PUNCT
fsr-3485	111	1	this	this	PRON
fsr-3485	111	2	is	be	AUX
fsr-3485	111	3	high	high	ADJ
fsr-3485	111	4	relative	relative	ADJ
fsr-3485	111	5	to	to	ADP
fsr-3485	111	6	other	other	ADJ
fsr-3485	111	7	studies	study	NOUN
fsr-3485	111	8	(	(	PUNCT
fsr-3485	111	9	lusardi	lusardi	PROPN
fsr-3485	111	10	&	&	CCONJ
fsr-3485	111	11	mitchell	mitchell	PROPN
fsr-3485	111	12	,	,	PUNCT
fsr-3485	111	13	2014	2014	NUM
fsr-3485	111	14	)	)	PUNCT
fsr-3485	111	15	;	;	PUNCT
fsr-3485	111	16	however	however	ADV
fsr-3485	111	17	,	,	PUNCT
fsr-3485	111	18	given	give	VERB
fsr-3485	111	19	our	our	PRON
fsr-3485	111	20	sample	sample	NOUN
fsr-3485	111	21	consisting	consist	VERB
fsr-3485	111	22	of	of	ADP
fsr-3485	111	23	financially	financially	ADV
fsr-3485	111	24	literate	literate	ADJ
fsr-3485	111	25	and	and	CCONJ
fsr-3485	111	26	older	old	ADJ
fsr-3485	111	27	white	white	ADJ
fsr-3485	111	28	males	male	NOUN
fsr-3485	111	29	,	,	PUNCT
fsr-3485	111	30	it	it	PRON
fsr-3485	111	31	is	be	AUX
fsr-3485	111	32	expected	expect	VERB
fsr-3485	111	33	.	.	PUNCT
fsr-3485	112	1	all	all	DET
fsr-3485	112	2	respondents	respondent	NOUN
fsr-3485	112	3	were	be	AUX
fsr-3485	112	4	18	18	NUM
fsr-3485	112	5	or	or	CCONJ
fsr-3485	112	6	older	old	ADJ
fsr-3485	112	7	with	with	ADP
fsr-3485	112	8	fewer	few	ADJ
fsr-3485	112	9	younger	young	ADJ
fsr-3485	112	10	participants	participant	NOUN
fsr-3485	112	11	(	(	PUNCT
fsr-3485	112	12	9.7	9.7	NUM
fsr-3485	112	13	%	%	NOUN
fsr-3485	112	14	under	under	ADP
fsr-3485	112	15	the	the	DET
fsr-3485	112	16	age	age	NOUN
fsr-3485	112	17	of	of	ADP
fsr-3485	112	18	24	24	NUM
fsr-3485	112	19	)	)	PUNCT
fsr-3485	112	20	and	and	CCONJ
fsr-3485	112	21	a	a	DET
fsr-3485	112	22	larger	large	ADJ
fsr-3485	112	23	group	group	NOUN
fsr-3485	112	24	of	of	ADP
fsr-3485	112	25	older	old	ADJ
fsr-3485	112	26	participants	participant	NOUN
fsr-3485	112	27	(	(	PUNCT
fsr-3485	112	28	24.3	24.3	NUM
fsr-3485	112	29	%	%	NOUN
fsr-3485	112	30	were	be	AUX
fsr-3485	112	31	over	over	ADP
fsr-3485	112	32	age	age	NOUN
fsr-3485	112	33	61	61	NUM
fsr-3485	112	34	)	)	PUNCT
fsr-3485	112	35	.	.	PUNCT
fsr-3485	113	1	the	the	DET
fsr-3485	113	2	sample	sample	NOUN
fsr-3485	113	3	was	be	AUX
fsr-3485	113	4	48.4	48.4	NUM
fsr-3485	113	5	%	%	NOUN
fsr-3485	113	6	male	male	NOUN
fsr-3485	113	7	and	and	CCONJ
fsr-3485	113	8	almost	almost	ADV
fsr-3485	113	9	55	55	NUM
fsr-3485	113	10	%	%	NOUN
fsr-3485	113	11	were	be	AUX
fsr-3485	113	12	married	married	ADJ
fsr-3485	113	13	.	.	PUNCT
fsr-3485	114	1	education	education	NOUN
fsr-3485	114	2	levels	level	NOUN
fsr-3485	114	3	were	be	AUX
fsr-3485	114	4	spread	spread	VERB
fsr-3485	114	5	fairly	fairly	ADV
fsr-3485	114	6	fig	fig	NOUN
fsr-3485	114	7	.	.	PUNCT
fsr-3485	115	1	2	2	X
fsr-3485	115	2	.	.	X
fsr-3485	115	3	descriptive	descriptive	ADJ
fsr-3485	115	4	statistics	statistic	NOUN
fsr-3485	115	5	,	,	PUNCT
fsr-3485	115	6	source	source	NOUN
fsr-3485	115	7	of	of	ADP
fsr-3485	115	8	financial	financial	ADJ
fsr-3485	115	9	advice	advice	NOUN
fsr-3485	115	10	,	,	PUNCT
fsr-3485	115	11	2016	2016	NUM
fsr-3485	115	12	nfwbs	nfwb	NOUN
fsr-3485	115	13	.	.	PUNCT
fsr-3485	116	1	note	note	NOUN
fsr-3485	116	2	:	:	PUNCT
fsr-3485	116	3	weighted	weight	VERB
fsr-3485	116	4	results	result	NOUN
fsr-3485	116	5	.	.	PUNCT
fsr-3485	117	1	nfwbs	nfwb	VERB
fsr-3485	117	2	=	=	SYM
fsr-3485	117	3	national	national	ADJ
fsr-3485	117	4	financial	financial	ADJ
fsr-3485	117	5	well	well	ADV
fsr-3485	117	6	-	-	PUNCT
fsr-3485	117	7	being	being	NOUN
fsr-3485	117	8	survey	survey	NOUN
fsr-3485	117	9	.	.	PUNCT
fsr-3485	118	1	table	table	NOUN
fsr-3485	118	2	1	1	NUM
fsr-3485	118	3	mean	mean	NOUN
fsr-3485	118	4	financial	financial	ADJ
fsr-3485	118	5	well	well	ADV
fsr-3485	118	6	-	-	PUNCT
fsr-3485	118	7	being	being	NOUN
fsr-3485	118	8	scale	scale	NOUN
fsr-3485	118	9	by	by	ADP
fsr-3485	118	10	different	different	ADJ
fsr-3485	118	11	sources	source	NOUN
fsr-3485	118	12	of	of	ADP
fsr-3485	118	13	financial	financial	ADJ
fsr-3485	118	14	advice	advice	NOUN
fsr-3485	118	15	,	,	PUNCT
fsr-3485	118	16	2016	2016	NUM
fsr-3485	118	17	nfwbs	nfwb	VERB
fsr-3485	118	18	source	source	NOUN
fsr-3485	118	19	of	of	ADP
fsr-3485	118	20	financial	financial	ADJ
fsr-3485	118	21	advice	advice	NOUN
fsr-3485	118	22	distribution	distribution	NOUN
fsr-3485	118	23	mean	mean	VERB
fsr-3485	118	24	financial	financial	ADJ
fsr-3485	118	25	well	well	ADV
fsr-3485	118	26	-	-	PUNCT
fsr-3485	118	27	being	being	NOUN
fsr-3485	118	28	scale	scale	NOUN
fsr-3485	118	29	p	p	NOUN
fsr-3485	118	30	-	-	PUNCT
fsr-3485	118	31	value	value	NOUN
fsr-3485	118	32	financial	financial	ADJ
fsr-3485	118	33	professional	professional	NOUN
fsr-3485	118	34	(	(	PUNCT
fsr-3485	118	35	reference	reference	NOUN
fsr-3485	118	36	)	)	PUNCT
fsr-3485	118	37	21.8	21.8	NUM
fsr-3485	118	38	%	%	NOUN
fsr-3485	118	39	60.7	60.7	NUM
fsr-3485	118	40	n	n	NOUN
fsr-3485	118	41	/	/	SYM
fsr-3485	118	42	a	a	DET
fsr-3485	118	43	family	family	NOUN
fsr-3485	118	44	62.6	62.6	NUM
fsr-3485	118	45	%	%	NOUN
fsr-3485	118	46	54.7	54.7	NUM
fsr-3485	118	47	<	<	NOUN
fsr-3485	118	48	0.0001	0.0001	NUM
fsr-3485	118	49	employer	employer	NOUN
fsr-3485	118	50	26.8	26.8	NUM
fsr-3485	118	51	%	%	NOUN
fsr-3485	118	52	53.2	53.2	NUM
fsr-3485	118	53	<	<	NOUN
fsr-3485	118	54	0.0001	0.0001	NUM
fsr-3485	118	55	community	community	NOUN
fsr-3485	118	56	3.6	3.6	NUM
fsr-3485	118	57	%	%	NOUN
fsr-3485	118	58	52.7	52.7	NUM
fsr-3485	118	59	0.0003	0.0003	NUM
fsr-3485	118	60	financial	financial	ADJ
fsr-3485	118	61	institution	institution	NOUN
fsr-3485	118	62	18.2	18.2	NUM
fsr-3485	118	63	%	%	NOUN
fsr-3485	118	64	58.0	58.0	NUM
fsr-3485	118	65	0.0341	0.0341	NUM
fsr-3485	118	66	government	government	NOUN
fsr-3485	118	67	3.3	3.3	NUM
fsr-3485	118	68	%	%	NOUN
fsr-3485	118	69	50.3	50.3	NUM
fsr-3485	118	70	0.0035	0.0035	NUM
fsr-3485	118	71	no	no	DET
fsr-3485	118	72	advice	advice	NOUN
fsr-3485	118	73	18.9	18.9	NUM
fsr-3485	118	74	%	%	NOUN
fsr-3485	118	75	52.2	52.2	NUM
fsr-3485	118	76	<	<	NOUN
fsr-3485	118	77	0.0001	0.0001	NUM
fsr-3485	118	78	note	note	NOUN
fsr-3485	118	79	.	.	PUNCT
fsr-3485	119	1	weighted	weight	VERB
fsr-3485	119	2	results	result	NOUN
fsr-3485	119	3	.	.	PUNCT
fsr-3485	120	1	t	t	NOUN
fsr-3485	120	2	-	-	PUNCT
fsr-3485	120	3	tests	test	NOUN
fsr-3485	120	4	were	be	AUX
fsr-3485	120	5	conducted	conduct	VERB
fsr-3485	120	6	for	for	ADP
fsr-3485	120	7	six	six	NUM
fsr-3485	120	8	group	group	NOUN
fsr-3485	120	9	comparisons	comparison	NOUN
fsr-3485	120	10	(	(	PUNCT
fsr-3485	120	11	reference	reference	NOUN
fsr-3485	120	12	:	:	PUNCT
fsr-3485	120	13	financial	financial	ADJ
fsr-3485	120	14	planner	planner	NOUN
fsr-3485	120	15	)	)	PUNCT
fsr-3485	120	16	.	.	PUNCT
fsr-3485	121	1	nfwbs	nfwb	VERB
fsr-3485	122	1	=	=	SYM
fsr-3485	122	2	national	national	ADJ
fsr-3485	122	3	financial	financial	ADJ
fsr-3485	122	4	well	well	ADV
fsr-3485	122	5	-	-	PUNCT
fsr-3485	122	6	being	being	NOUN
fsr-3485	122	7	survey	survey	NOUN
fsr-3485	122	8	.	.	PUNCT
fsr-3485	123	1	196	196	NUM
fsr-3485	123	2	r.	r.	PROPN
fsr-3485	123	3	stebbins	stebbins	PROPN
fsr-3485	123	4	et	et	PROPN
fsr-3485	123	5	al	al	PROPN
fsr-3485	123	6	.	.	PUNCT
fsr-3485	123	7	/	/	SYM
fsr-3485	123	8	financial	financial	ADJ
fsr-3485	123	9	services	service	NOUN
fsr-3485	123	10	review	review	VERB
fsr-3485	123	11	30	30	NUM
fsr-3485	123	12	(	(	PUNCT
fsr-3485	123	13	2022	2022	NUM
fsr-3485	123	14	)	)	PUNCT
fsr-3485	123	15	191–204	191–204	NUM
fsr-3485	123	16	evenly	evenly	ADV
fsr-3485	123	17	between	between	ADP
fsr-3485	123	18	those	those	PRON
fsr-3485	123	19	holding	hold	VERB
fsr-3485	123	20	a	a	DET
fsr-3485	123	21	graduate	graduate	NOUN
fsr-3485	123	22	degree	degree	NOUN
fsr-3485	123	23	,	,	PUNCT
fsr-3485	123	24	bachelor	bachelor	NOUN
fsr-3485	123	25	’s	’s	PART
fsr-3485	123	26	degree	degree	NOUN
fsr-3485	123	27	,	,	PUNCT
fsr-3485	123	28	some	some	DET
fsr-3485	123	29	college	college	NOUN
fsr-3485	123	30	,	,	PUNCT
fsr-3485	123	31	or	or	CCONJ
fsr-3485	123	32	having	have	VERB
fsr-3485	123	33	no	no	DET
fsr-3485	123	34	college	college	NOUN
fsr-3485	123	35	.	.	PUNCT
fsr-3485	124	1	the	the	DET
fsr-3485	124	2	majority	majority	NOUN
fsr-3485	124	3	of	of	ADP
fsr-3485	124	4	the	the	DET
fsr-3485	124	5	sample	sample	NOUN
fsr-3485	124	6	,	,	PUNCT
fsr-3485	124	7	64.9	64.9	NUM
fsr-3485	124	8	%	%	NOUN
fsr-3485	124	9	was	be	AUX
fsr-3485	124	10	white	white	ADJ
fsr-3485	124	11	and	and	CCONJ
fsr-3485	124	12	44.6	44.6	NUM
fsr-3485	124	13	%	%	NOUN
fsr-3485	124	14	earned	earn	VERB
fsr-3485	124	15	over	over	ADP
fsr-3485	124	16	$	$	SYM
fsr-3485	124	17	75,000	75,000	NUM
fsr-3485	124	18	per	per	ADP
fsr-3485	124	19	year	year	NOUN
fsr-3485	124	20	.	.	PUNCT
fsr-3485	125	1	almost	almost	ADV
fsr-3485	125	2	half	half	NOUN
fsr-3485	125	3	of	of	ADP
fsr-3485	125	4	the	the	DET
fsr-3485	125	5	respondents	respondent	NOUN
fsr-3485	125	6	were	be	AUX
fsr-3485	125	7	salaried	salary	VERB
fsr-3485	125	8	workers	worker	NOUN
fsr-3485	125	9	and	and	CCONJ
fsr-3485	125	10	20.9	20.9	NUM
fsr-3485	125	11	%	%	NOUN
fsr-3485	125	12	of	of	ADP
fsr-3485	125	13	were	be	AUX
fsr-3485	125	14	retired	retire	VERB
fsr-3485	125	15	.	.	PUNCT
fsr-3485	126	1	more	more	ADV
fsr-3485	126	2	detailed	detailed	ADJ
fsr-3485	126	3	information	information	NOUN
fsr-3485	126	4	is	be	AUX
fsr-3485	126	5	available	available	ADJ
fsr-3485	126	6	in	in	ADP
fsr-3485	126	7	appendix	appendix	ADJ
fsr-3485	126	8	table	table	NOUN
fsr-3485	126	9	a2	a2	PROPN
fsr-3485	126	10	.	.	PUNCT
fsr-3485	127	1	3.2	3.2	NUM
fsr-3485	127	2	.	.	PUNCT
fsr-3485	128	1	multivariate	multivariate	NOUN
fsr-3485	128	2	results	result	NOUN
fsr-3485	128	3	table	table	NOUN
fsr-3485	128	4	2	2	NUM
fsr-3485	128	5	presents	present	NOUN
fsr-3485	128	6	baseline	baseline	NOUN
fsr-3485	128	7	results	result	NOUN
fsr-3485	128	8	from	from	ADP
fsr-3485	128	9	the	the	DET
fsr-3485	128	10	ols	ol	NOUN
fsr-3485	128	11	regression	regression	NOUN
fsr-3485	128	12	.	.	PUNCT
fsr-3485	129	1	results	result	NOUN
fsr-3485	129	2	from	from	ADP
fsr-3485	129	3	both	both	CCONJ
fsr-3485	129	4	the	the	DET
fsr-3485	129	5	reduced	reduced	ADJ
fsr-3485	129	6	and	and	CCONJ
fsr-3485	129	7	full	full	ADJ
fsr-3485	129	8	model	model	NOUN
fsr-3485	129	9	showed	show	VERB
fsr-3485	129	10	that	that	SCONJ
fsr-3485	129	11	use	use	NOUN
fsr-3485	129	12	of	of	ADP
fsr-3485	129	13	a	a	DET
fsr-3485	129	14	financial	financial	ADJ
fsr-3485	129	15	professional	professional	NOUN
fsr-3485	129	16	had	have	VERB
fsr-3485	129	17	a	a	DET
fsr-3485	129	18	positive	positive	ADJ
fsr-3485	129	19	effect	effect	NOUN
fsr-3485	129	20	on	on	ADP
fsr-3485	129	21	financial	financial	ADJ
fsr-3485	129	22	well	well	NOUN
fsr-3485	129	23	-	-	PUNCT
fsr-3485	129	24	being	be	AUX
fsr-3485	129	25	(	(	PUNCT
fsr-3485	129	26	reduced	reduced	ADJ
fsr-3485	129	27	model	model	NOUN
fsr-3485	129	28	)	)	PUNCT
fsr-3485	129	29	even	even	ADV
fsr-3485	129	30	after	after	ADP
fsr-3485	129	31	controlling	control	VERB
fsr-3485	129	32	for	for	ADP
fsr-3485	129	33	various	various	ADJ
fsr-3485	129	34	types	type	NOUN
fsr-3485	129	35	of	of	ADP
fsr-3485	129	36	financial	financial	ADJ
fsr-3485	129	37	advice	advice	NOUN
fsr-3485	129	38	(	(	PUNCT
fsr-3485	129	39	full	full	ADJ
fsr-3485	129	40	model	model	NOUN
fsr-3485	129	41	)	)	PUNCT
fsr-3485	129	42	.	.	PUNCT
fsr-3485	130	1	in	in	ADP
fsr-3485	130	2	particular	particular	ADJ
fsr-3485	130	3	,	,	PUNCT
fsr-3485	130	4	the	the	DET
fsr-3485	130	5	use	use	NOUN
fsr-3485	130	6	of	of	ADP
fsr-3485	130	7	a	a	DET
fsr-3485	130	8	financial	financial	ADJ
fsr-3485	130	9	professional	professional	NOUN
fsr-3485	130	10	was	be	AUX
fsr-3485	130	11	positively	positively	ADV
fsr-3485	130	12	associated	associate	VERB
fsr-3485	130	13	with	with	ADP
fsr-3485	130	14	financial	financial	ADJ
fsr-3485	130	15	well	well	NOUN
fsr-3485	130	16	-	-	PUNCT
fsr-3485	130	17	being	being	NOUN
fsr-3485	130	18	and	and	CCONJ
fsr-3485	130	19	specifically	specifically	ADV
fsr-3485	130	20	increased	increase	VERB
fsr-3485	130	21	the	the	DET
fsr-3485	130	22	level	level	NOUN
fsr-3485	130	23	of	of	ADP
fsr-3485	130	24	financial	financial	ADJ
fsr-3485	130	25	well	well	NOUN
fsr-3485	130	26	-	-	PUNCT
fsr-3485	130	27	being	being	NOUN
fsr-3485	130	28	by	by	ADP
fsr-3485	130	29	1.85–1.95	1.85–1.95	NUM
fsr-3485	130	30	.	.	PUNCT
fsr-3485	131	1	advice	advice	NOUN
fsr-3485	131	2	from	from	ADP
fsr-3485	131	3	family	family	NOUN
fsr-3485	131	4	was	be	AUX
fsr-3485	131	5	positively	positively	ADV
fsr-3485	131	6	related	relate	VERB
fsr-3485	131	7	,	,	PUNCT
fsr-3485	131	8	while	while	SCONJ
fsr-3485	131	9	advice	advice	NOUN
fsr-3485	131	10	from	from	ADP
fsr-3485	131	11	employer	employer	NOUN
fsr-3485	131	12	and	and	CCONJ
fsr-3485	131	13	government	government	NOUN
fsr-3485	131	14	were	be	AUX
fsr-3485	131	15	both	both	PRON
fsr-3485	131	16	negatively	negatively	ADV
fsr-3485	131	17	related	relate	VERB
fsr-3485	131	18	to	to	ADP
fsr-3485	131	19	the	the	DET
fsr-3485	131	20	level	level	NOUN
fsr-3485	131	21	of	of	ADP
fsr-3485	131	22	financial	financial	ADJ
fsr-3485	131	23	well	well	NOUN
fsr-3485	131	24	-	-	PUNCT
fsr-3485	131	25	being	being	NOUN
fsr-3485	131	26	.	.	PUNCT
fsr-3485	132	1	financial	financial	ADJ
fsr-3485	132	2	knowledge	knowledge	NOUN
fsr-3485	132	3	and	and	CCONJ
fsr-3485	132	4	skills	skill	NOUN
fsr-3485	132	5	increased	increase	VERB
fsr-3485	132	6	the	the	DET
fsr-3485	132	7	financial	financial	ADJ
fsr-3485	132	8	well	well	ADV
fsr-3485	132	9	-	-	PUNCT
fsr-3485	132	10	being	being	NOUN
fsr-3485	132	11	score	score	NOUN
fsr-3485	132	12	.	.	PUNCT
fsr-3485	133	1	as	as	SCONJ
fsr-3485	133	2	the	the	DET
fsr-3485	133	3	age	age	NOUN
fsr-3485	133	4	of	of	ADP
fsr-3485	133	5	the	the	DET
fsr-3485	133	6	respondent	respondent	NOUN
fsr-3485	133	7	increased	increase	VERB
fsr-3485	133	8	,	,	PUNCT
fsr-3485	133	9	the	the	DET
fsr-3485	133	10	level	level	NOUN
fsr-3485	133	11	of	of	ADP
fsr-3485	133	12	financial	financial	ADJ
fsr-3485	133	13	well	well	ADV
fsr-3485	133	14	-	-	PUNCT
fsr-3485	133	15	being	being	AUX
fsr-3485	133	16	increased	increase	VERB
fsr-3485	133	17	.	.	PUNCT
fsr-3485	134	1	married	married	ADJ
fsr-3485	134	2	respondents	respondent	NOUN
fsr-3485	134	3	had	have	VERB
fsr-3485	134	4	higher	high	ADJ
fsr-3485	134	5	financial	financial	ADJ
fsr-3485	134	6	well	well	ADV
fsr-3485	134	7	-	-	PUNCT
fsr-3485	134	8	being	being	NOUN
fsr-3485	134	9	scores	score	NOUN
fsr-3485	134	10	than	than	ADP
fsr-3485	134	11	partner	partner	NOUN
fsr-3485	134	12	and	and	CCONJ
fsr-3485	134	13	separated	separate	VERB
fsr-3485	134	14	,	,	PUNCT
fsr-3485	134	15	divorced	divorce	VERB
fsr-3485	134	16	,	,	PUNCT
fsr-3485	134	17	or	or	CCONJ
fsr-3485	134	18	widowed	widow	VERB
fsr-3485	134	19	.	.	PUNCT
fsr-3485	135	1	compared	compare	VERB
fsr-3485	135	2	with	with	ADP
fsr-3485	135	3	salaried	salaried	ADJ
fsr-3485	135	4	workers	worker	NOUN
fsr-3485	135	5	,	,	PUNCT
fsr-3485	135	6	disabled	disabled	ADJ
fsr-3485	135	7	respondents	respondent	NOUN
fsr-3485	135	8	had	have	VERB
fsr-3485	135	9	lower	low	ADJ
fsr-3485	135	10	levels	level	NOUN
fsr-3485	135	11	while	while	SCONJ
fsr-3485	135	12	homemakers	homemaker	NOUN
fsr-3485	135	13	and	and	CCONJ
fsr-3485	135	14	retired	retire	VERB
fsr-3485	135	15	had	have	VERB
fsr-3485	135	16	higher	high	ADJ
fsr-3485	135	17	levels	level	NOUN
fsr-3485	135	18	of	of	ADP
fsr-3485	135	19	financial	financial	ADJ
fsr-3485	135	20	well	well	NOUN
fsr-3485	135	21	-	-	PUNCT
fsr-3485	135	22	being	being	NOUN
fsr-3485	135	23	.	.	PUNCT
fsr-3485	136	1	the	the	DET
fsr-3485	136	2	stronger	strong	ADJ
fsr-3485	136	3	negative	negative	ADJ
fsr-3485	136	4	associations	association	NOUN
fsr-3485	136	5	for	for	ADP
fsr-3485	136	6	financial	financial	ADJ
fsr-3485	136	7	well	well	NOUN
fsr-3485	136	8	-	-	PUNCT
fsr-3485	136	9	being	being	NOUN
fsr-3485	136	10	were	be	AUX
fsr-3485	136	11	found	find	VERB
fsr-3485	136	12	in	in	ADP
fsr-3485	136	13	respondents	respondent	NOUN
fsr-3485	136	14	with	with	ADP
fsr-3485	136	15	a	a	DET
fsr-3485	136	16	disability	disability	NOUN
fsr-3485	136	17	and	and	CCONJ
fsr-3485	136	18	those	those	PRON
fsr-3485	136	19	that	that	PRON
fsr-3485	136	20	were	be	AUX
fsr-3485	136	21	separated	separate	VERB
fsr-3485	136	22	,	,	PUNCT
fsr-3485	136	23	widowed	widow	VERB
fsr-3485	136	24	,	,	PUNCT
fsr-3485	136	25	or	or	CCONJ
fsr-3485	136	26	divorced	divorce	VERB
fsr-3485	136	27	.	.	PUNCT
fsr-3485	137	1	this	this	PRON
fsr-3485	137	2	is	be	AUX
fsr-3485	137	3	similar	similar	ADJ
fsr-3485	137	4	to	to	ADP
fsr-3485	137	5	previous	previous	ADJ
fsr-3485	137	6	research	research	NOUN
fsr-3485	137	7	which	which	PRON
fsr-3485	137	8	found	find	VERB
fsr-3485	137	9	financial	financial	ADJ
fsr-3485	137	10	difficulties	difficulty	NOUN
fsr-3485	137	11	for	for	ADP
fsr-3485	137	12	divorced	divorced	ADJ
fsr-3485	137	13	individuals	individual	NOUN
fsr-3485	137	14	(	(	PUNCT
fsr-3485	137	15	west	west	PROPN
fsr-3485	137	16	&	&	CCONJ
fsr-3485	137	17	mitchell	mitchell	PROPN
fsr-3485	137	18	,	,	PUNCT
fsr-3485	137	19	2022	2022	NUM
fsr-3485	137	20	)	)	PUNCT
fsr-3485	137	21	.	.	PUNCT
fsr-3485	138	1	the	the	DET
fsr-3485	138	2	educational	educational	ADJ
fsr-3485	138	3	attainment	attainment	NOUN
fsr-3485	138	4	of	of	ADP
fsr-3485	138	5	the	the	DET
fsr-3485	138	6	respondent	respondent	NOUN
fsr-3485	138	7	was	be	AUX
fsr-3485	138	8	positively	positively	ADV
fsr-3485	138	9	associated	associate	VERB
fsr-3485	138	10	with	with	ADP
fsr-3485	138	11	financial	financial	ADJ
fsr-3485	138	12	well	well	NOUN
fsr-3485	138	13	-	-	PUNCT
fsr-3485	138	14	being	being	NOUN
fsr-3485	138	15	.	.	PUNCT
fsr-3485	139	1	not	not	PART
fsr-3485	139	2	surprisingly	surprisingly	ADV
fsr-3485	139	3	,	,	PUNCT
fsr-3485	139	4	as	as	SCONJ
fsr-3485	139	5	income	income	NOUN
fsr-3485	139	6	level	level	NOUN
fsr-3485	139	7	increased	increase	VERB
fsr-3485	139	8	,	,	PUNCT
fsr-3485	139	9	the	the	DET
fsr-3485	139	10	level	level	NOUN
fsr-3485	139	11	of	of	ADP
fsr-3485	139	12	financial	financial	ADJ
fsr-3485	139	13	well	well	ADV
fsr-3485	139	14	-	-	PUNCT
fsr-3485	139	15	being	being	AUX
fsr-3485	139	16	increased	increase	VERB
fsr-3485	139	17	.	.	PUNCT
fsr-3485	140	1	in	in	ADP
fsr-3485	140	2	fact	fact	NOUN
fsr-3485	140	3	,	,	PUNCT
fsr-3485	140	4	the	the	DET
fsr-3485	140	5	largest	large	ADJ
fsr-3485	140	6	coefficient	coefficient	NOUN
fsr-3485	140	7	was	be	AUX
fsr-3485	140	8	associated	associate	VERB
fsr-3485	140	9	with	with	ADP
fsr-3485	140	10	incomes	income	NOUN
fsr-3485	140	11	higher	high	ADJ
fsr-3485	140	12	than	than	ADP
fsr-3485	140	13	$	$	SYM
fsr-3485	140	14	150,000	150,000	NUM
fsr-3485	140	15	as	as	ADP
fsr-3485	140	16	compared	compare	VERB
fsr-3485	140	17	with	with	ADP
fsr-3485	140	18	respondents	respondent	NOUN
fsr-3485	140	19	with	with	ADP
fsr-3485	140	20	less	less	ADJ
fsr-3485	140	21	than	than	ADP
fsr-3485	140	22	$	$	SYM
fsr-3485	140	23	20,000	20,000	NUM
fsr-3485	140	24	in	in	ADP
fsr-3485	140	25	annual	annual	ADJ
fsr-3485	140	26	income	income	NOUN
fsr-3485	140	27	.	.	PUNCT
fsr-3485	141	1	it	it	PRON
fsr-3485	141	2	is	be	AUX
fsr-3485	141	3	also	also	ADV
fsr-3485	141	4	important	important	ADJ
fsr-3485	141	5	to	to	PART
fsr-3485	141	6	note	note	VERB
fsr-3485	141	7	that	that	SCONJ
fsr-3485	141	8	both	both	PRON
fsr-3485	141	9	age	age	NOUN
fsr-3485	141	10	and	and	CCONJ
fsr-3485	141	11	income	income	NOUN
fsr-3485	141	12	both	both	PRON
fsr-3485	141	13	had	have	VERB
fsr-3485	141	14	stronger	strong	ADJ
fsr-3485	141	15	positive	positive	ADJ
fsr-3485	141	16	associations	association	NOUN
fsr-3485	141	17	than	than	ADP
fsr-3485	141	18	other	other	ADJ
fsr-3485	141	19	variables	variable	NOUN
fsr-3485	141	20	with	with	ADP
fsr-3485	141	21	financial	financial	ADJ
fsr-3485	141	22	well	well	NOUN
fsr-3485	141	23	-	-	PUNCT
fsr-3485	141	24	being	being	NOUN
fsr-3485	141	25	.	.	PUNCT
fsr-3485	142	1	this	this	PRON
fsr-3485	142	2	is	be	AUX
fsr-3485	142	3	consistent	consistent	ADJ
fsr-3485	142	4	with	with	ADP
fsr-3485	142	5	previous	previous	ADJ
fsr-3485	142	6	research	research	NOUN
fsr-3485	142	7	finding	find	VERB
fsr-3485	142	8	age	age	NOUN
fsr-3485	142	9	and	and	CCONJ
fsr-3485	142	10	income	income	NOUN
fsr-3485	142	11	were	be	AUX
fsr-3485	142	12	the	the	DET
fsr-3485	142	13	most	most	ADV
fsr-3485	142	14	significant	significant	ADJ
fsr-3485	142	15	contributors	contributor	NOUN
fsr-3485	142	16	to	to	ADP
fsr-3485	142	17	financial	financial	ADJ
fsr-3485	142	18	well	well	ADV
fsr-3485	142	19	-	-	PUNCT
fsr-3485	142	20	being	be	AUX
fsr-3485	142	21	(	(	PUNCT
fsr-3485	142	22	west	west	NOUN
fsr-3485	142	23	et	et	PROPN
fsr-3485	142	24	al	al	PROPN
fsr-3485	142	25	.	.	PROPN
fsr-3485	142	26	,	,	PUNCT
fsr-3485	142	27	2021	2021	NUM
fsr-3485	142	28	)	)	PUNCT
fsr-3485	142	29	.	.	PUNCT
fsr-3485	143	1	as	as	SCONJ
fsr-3485	143	2	shown	show	VERB
fsr-3485	143	3	in	in	ADP
fsr-3485	143	4	table	table	NOUN
fsr-3485	143	5	3	3	NUM
fsr-3485	143	6	,	,	PUNCT
fsr-3485	143	7	we	we	PRON
fsr-3485	143	8	conducted	conduct	VERB
fsr-3485	143	9	similar	similar	ADJ
fsr-3485	143	10	analyses	analysis	NOUN
fsr-3485	143	11	with	with	ADP
fsr-3485	143	12	respondents	respondent	NOUN
fsr-3485	143	13	who	who	PRON
fsr-3485	143	14	used	use	VERB
fsr-3485	143	15	any	any	DET
fsr-3485	143	16	type	type	NOUN
fsr-3485	143	17	of	of	ADP
fsr-3485	143	18	financial	financial	ADJ
fsr-3485	143	19	advice	advice	NOUN
fsr-3485	143	20	as	as	ADP
fsr-3485	143	21	a	a	DET
fsr-3485	143	22	robustness	robustness	NOUN
fsr-3485	143	23	check	check	NOUN
fsr-3485	143	24	.	.	PUNCT
fsr-3485	144	1	results	result	NOUN
fsr-3485	144	2	from	from	ADP
fsr-3485	144	3	additional	additional	ADJ
fsr-3485	144	4	analyses	analysis	NOUN
fsr-3485	144	5	were	be	AUX
fsr-3485	144	6	consistent	consistent	ADJ
fsr-3485	144	7	with	with	ADP
fsr-3485	144	8	our	our	PRON
fsr-3485	144	9	main	main	ADJ
fsr-3485	144	10	results	result	NOUN
fsr-3485	144	11	.	.	PUNCT
fsr-3485	145	1	use	use	NOUN
fsr-3485	145	2	of	of	ADP
fsr-3485	145	3	a	a	DET
fsr-3485	145	4	financial	financial	ADJ
fsr-3485	145	5	professional	professional	NOUN
fsr-3485	145	6	and	and	CCONJ
fsr-3485	145	7	use	use	NOUN
fsr-3485	145	8	of	of	ADP
fsr-3485	145	9	family	family	NOUN
fsr-3485	145	10	advice	advice	NOUN
fsr-3485	145	11	were	be	AUX
fsr-3485	145	12	positively	positively	ADV
fsr-3485	145	13	while	while	SCONJ
fsr-3485	145	14	advice	advice	NOUN
fsr-3485	145	15	from	from	ADP
fsr-3485	145	16	employer	employer	NOUN
fsr-3485	145	17	and	and	CCONJ
fsr-3485	145	18	government	government	NOUN
fsr-3485	145	19	were	be	AUX
fsr-3485	145	20	negatively	negatively	ADV
fsr-3485	145	21	associated	associate	VERB
fsr-3485	145	22	with	with	ADP
fsr-3485	145	23	financial	financial	ADJ
fsr-3485	145	24	well	well	NOUN
fsr-3485	145	25	-	-	PUNCT
fsr-3485	145	26	being	being	NOUN
fsr-3485	145	27	.	.	PUNCT
fsr-3485	146	1	full	full	ADJ
fsr-3485	146	2	results	result	NOUN
fsr-3485	146	3	are	be	AUX
fsr-3485	146	4	available	available	ADJ
fsr-3485	146	5	from	from	ADP
fsr-3485	146	6	authors	author	NOUN
fsr-3485	146	7	upon	upon	SCONJ
fsr-3485	146	8	request	request	NOUN
fsr-3485	146	9	.	.	PUNCT
fsr-3485	147	1	4	4	X
fsr-3485	147	2	.	.	X
fsr-3485	147	3	discussion	discussion	NOUN
fsr-3485	147	4	and	and	CCONJ
fsr-3485	147	5	implications	implication	NOUN
fsr-3485	147	6	this	this	DET
fsr-3485	147	7	study	study	NOUN
fsr-3485	147	8	analyzed	analyze	VERB
fsr-3485	147	9	the	the	DET
fsr-3485	147	10	association	association	NOUN
fsr-3485	147	11	between	between	ADP
fsr-3485	147	12	financial	financial	ADJ
fsr-3485	147	13	professional	professional	ADJ
fsr-3485	147	14	use	use	NOUN
fsr-3485	147	15	and	and	CCONJ
fsr-3485	147	16	financial	financial	ADJ
fsr-3485	147	17	wellbeing	wellbeing	NOUN
fsr-3485	147	18	.	.	PUNCT
fsr-3485	148	1	among	among	ADP
fsr-3485	148	2	various	various	ADJ
fsr-3485	148	3	sources	source	NOUN
fsr-3485	148	4	of	of	ADP
fsr-3485	148	5	financial	financial	ADJ
fsr-3485	148	6	advice	advice	NOUN
fsr-3485	148	7	,	,	PUNCT
fsr-3485	148	8	respondents	respondent	NOUN
fsr-3485	148	9	who	who	PRON
fsr-3485	148	10	used	use	VERB
fsr-3485	148	11	a	a	DET
fsr-3485	148	12	financial	financial	ADJ
fsr-3485	148	13	professional	professional	NOUN
fsr-3485	148	14	for	for	ADP
fsr-3485	148	15	advice	advice	NOUN
fsr-3485	148	16	reported	report	VERB
fsr-3485	148	17	the	the	DET
fsr-3485	148	18	highest	high	ADJ
fsr-3485	148	19	levels	level	NOUN
fsr-3485	148	20	of	of	ADP
fsr-3485	148	21	financial	financial	ADJ
fsr-3485	148	22	well	well	ADV
fsr-3485	148	23	-	-	PUNCT
fsr-3485	148	24	being	being	NOUN
fsr-3485	148	25	while	while	NOUN
fsr-3485	148	26	lowest	low	ADJ
fsr-3485	148	27	for	for	ADP
fsr-3485	148	28	those	those	PRON
fsr-3485	148	29	who	who	PRON
fsr-3485	148	30	took	take	VERB
fsr-3485	148	31	advice	advice	NOUN
fsr-3485	148	32	from	from	ADP
fsr-3485	148	33	the	the	DET
fsr-3485	148	34	government	government	NOUN
fsr-3485	148	35	.	.	PUNCT
fsr-3485	149	1	further	far	ADV
fsr-3485	149	2	,	,	PUNCT
fsr-3485	149	3	results	result	NOUN
fsr-3485	149	4	from	from	ADP
fsr-3485	149	5	the	the	DET
fsr-3485	149	6	2016	2016	NUM
fsr-3485	149	7	nfwbs	nfwbs	NOUN
fsr-3485	149	8	showed	show	VERB
fsr-3485	149	9	a	a	DET
fsr-3485	149	10	positive	positive	ADJ
fsr-3485	149	11	association	association	NOUN
fsr-3485	149	12	between	between	ADP
fsr-3485	149	13	the	the	DET
fsr-3485	149	14	use	use	NOUN
fsr-3485	149	15	of	of	ADP
fsr-3485	149	16	a	a	DET
fsr-3485	149	17	financial	financial	ADJ
fsr-3485	149	18	professional	professional	ADJ
fsr-3485	149	19	and	and	CCONJ
fsr-3485	149	20	financial	financial	ADJ
fsr-3485	149	21	well	well	NOUN
fsr-3485	149	22	-	-	PUNCT
fsr-3485	149	23	being	be	AUX
fsr-3485	149	24	even	even	ADV
fsr-3485	149	25	after	after	ADP
fsr-3485	149	26	controlling	control	VERB
fsr-3485	149	27	for	for	ADP
fsr-3485	149	28	various	various	ADJ
fsr-3485	149	29	types	type	NOUN
fsr-3485	149	30	of	of	ADP
fsr-3485	149	31	financial	financial	ADJ
fsr-3485	149	32	advice	advice	NOUN
fsr-3485	149	33	.	.	PUNCT
fsr-3485	150	1	overall	overall	ADJ
fsr-3485	150	2	,	,	PUNCT
fsr-3485	150	3	our	our	PRON
fsr-3485	150	4	empirical	empirical	ADJ
fsr-3485	150	5	results	result	NOUN
fsr-3485	150	6	r.	r.	PROPN
fsr-3485	150	7	stebbins	stebbins	PROPN
fsr-3485	150	8	et	et	PROPN
fsr-3485	150	9	al	al	PROPN
fsr-3485	150	10	.	.	PUNCT
fsr-3485	151	1	/	/	SYM
fsr-3485	151	2	financial	financial	ADJ
fsr-3485	151	3	services	service	NOUN
fsr-3485	151	4	review	review	VERB
fsr-3485	151	5	30	30	NUM
fsr-3485	151	6	(	(	PUNCT
fsr-3485	151	7	2022	2022	NUM
fsr-3485	151	8	)	)	PUNCT
fsr-3485	151	9	191–204	191–204	NUM
fsr-3485	151	10	197	197	NUM
fsr-3485	151	11	table	table	NOUN
fsr-3485	151	12	2	2	NUM
fsr-3485	151	13	ols	ol	NOUN
fsr-3485	151	14	regression	regression	NOUN
fsr-3485	151	15	of	of	ADP
fsr-3485	151	16	financial	financial	ADJ
fsr-3485	151	17	well	well	NOUN
fsr-3485	151	18	-	-	PUNCT
fsr-3485	151	19	being	being	NOUN
fsr-3485	151	20	,	,	PUNCT
fsr-3485	151	21	all	all	DET
fsr-3485	151	22	respondents	respondent	NOUN
fsr-3485	151	23	(	(	PUNCT
fsr-3485	151	24	n	n	NOUN
fsr-3485	151	25	=	=	NUM
fsr-3485	151	26	6,248	6,248	NUM
fsr-3485	151	27	)	)	PUNCT
fsr-3485	151	28	,	,	PUNCT
fsr-3485	151	29	2016	2016	NUM
fsr-3485	151	30	nfwbs	nfwb	VERB
fsr-3485	151	31	variables	variable	NOUN
fsr-3485	151	32	coefficient	coefficient	VERB
fsr-3485	151	33	standard	standard	ADJ
fsr-3485	151	34	error	error	NOUN
fsr-3485	151	35	p	p	NOUN
fsr-3485	151	36	-	-	PUNCT
fsr-3485	151	37	value	value	NOUN
fsr-3485	151	38	coefficient	coefficient	NOUN
fsr-3485	151	39	standard	standard	ADJ
fsr-3485	151	40	error	error	NOUN
fsr-3485	151	41	p	p	NOUN
fsr-3485	151	42	-	-	PUNCT
fsr-3485	151	43	value	value	NOUN
fsr-3485	151	44	source	source	NOUN
fsr-3485	151	45	of	of	ADP
fsr-3485	151	46	financial	financial	ADJ
fsr-3485	151	47	advice	advice	NOUN
fsr-3485	151	48	financial	financial	ADJ
fsr-3485	151	49	professional	professional	ADJ
fsr-3485	151	50	1.8545	1.8545	NUM
fsr-3485	151	51	0.3479	0.3479	NUM
fsr-3485	151	52	<	<	NOUN
fsr-3485	151	53	0.0001	0.0001	NUM
fsr-3485	151	54	1.9453	1.9453	NUM
fsr-3485	151	55	0.3679	0.3679	NUM
fsr-3485	151	56	<	<	SYM
fsr-3485	151	57	0.0001	0.0001	NUM
fsr-3485	151	58	family	family	NOUN
fsr-3485	151	59	—	—	PUNCT
fsr-3485	151	60	—	—	PUNCT
fsr-3485	151	61	—	—	PUNCT
fsr-3485	151	62	0.8701	0.8701	NUM
fsr-3485	151	63	0.3876	0.3876	NUM
fsr-3485	151	64	0.0248	0.0248	NUM
fsr-3485	151	65	employer	employer	NOUN
fsr-3485	151	66	—	—	PUNCT
fsr-3485	151	67	—	—	PUNCT
fsr-3485	151	68	—	—	PUNCT
fsr-3485	151	69	�	�	PROPN
fsr-3485	151	70	0.9531	0.9531	NUM
fsr-3485	151	71	0.3290	0.3290	NUM
fsr-3485	151	72	0.0038	0.0038	NUM
fsr-3485	151	73	community	community	NOUN
fsr-3485	151	74	—	—	PUNCT
fsr-3485	151	75	—	—	PUNCT
fsr-3485	151	76	—	—	PUNCT
fsr-3485	151	77	�	�	NOUN
fsr-3485	151	78	0.1789	0.1789	NUM
fsr-3485	151	79	0.7340	0.7340	NUM
fsr-3485	151	80	0.8075	0.8075	NUM
fsr-3485	151	81	financial	financial	ADJ
fsr-3485	151	82	institution	institution	NOUN
fsr-3485	151	83	—	—	PUNCT
fsr-3485	151	84	—	—	PUNCT
fsr-3485	151	85	—	—	PUNCT
fsr-3485	151	86	0.2831	0.2831	NUM
fsr-3485	151	87	0.3717	0.3717	NUM
fsr-3485	151	88	0.4463	0.4463	NUM
fsr-3485	151	89	government	government	NOUN
fsr-3485	151	90	—	—	PUNCT
fsr-3485	151	91	—	—	PUNCT
fsr-3485	151	92	—	—	PUNCT
fsr-3485	151	93	�	�	PROPN
fsr-3485	151	94	2.9460	2.9460	NUM
fsr-3485	151	95	0.7732	0.7732	NUM
fsr-3485	151	96	0.0001	0.0001	NUM
fsr-3485	151	97	no	no	DET
fsr-3485	151	98	advice	advice	NOUN
fsr-3485	151	99	—	—	PUNCT
fsr-3485	151	100	—	—	PUNCT
fsr-3485	151	101	—	—	PUNCT
fsr-3485	151	102	0.0102	0.0102	NUM
fsr-3485	151	103	0.5015	0.5015	NUM
fsr-3485	151	104	0.9837	0.9837	NUM
fsr-3485	151	105	financial	financial	ADJ
fsr-3485	151	106	knowledge	knowledge	NOUN
fsr-3485	151	107	score	score	VERB
fsr-3485	151	108	0.8225	0.8225	NUM
fsr-3485	151	109	0.1906	0.1906	NUM
fsr-3485	151	110	<	<	X
fsr-3485	151	111	0.0001	0.0001	NUM
fsr-3485	151	112	0.7891	0.7891	NUM
fsr-3485	151	113	0.1912	0.1912	NUM
fsr-3485	151	114	<	<	SYM
fsr-3485	151	115	0.0001	0.0001	NUM
fsr-3485	151	116	financial	financial	ADJ
fsr-3485	151	117	skills	skill	NOUN
fsr-3485	151	118	score	score	VERB
fsr-3485	151	119	0.4111	0.4111	NUM
fsr-3485	151	120	0.0110	0.0110	NUM
fsr-3485	151	121	<	<	X
fsr-3485	151	122	0.0001	0.0001	NUM
fsr-3485	151	123	0.4114	0.4114	NUM
fsr-3485	151	124	0.0110	0.0110	NUM
fsr-3485	151	125	<	<	NOUN
fsr-3485	151	126	0.0001	0.0001	NUM
fsr-3485	151	127	age	age	NOUN
fsr-3485	151	128	of	of	ADP
fsr-3485	151	129	respondent	respondent	NOUN
fsr-3485	151	130	(	(	PUNCT
fsr-3485	151	131	ref	ref	NOUN
fsr-3485	151	132	:	:	PUNCT
fsr-3485	151	133	age	age	NOUN
fsr-3485	151	134	45–54	45–54	NUM
fsr-3485	151	135	)	)	PUNCT
fsr-3485	151	136	age	age	NOUN
fsr-3485	151	137	18–24	18–24	NUM
fsr-3485	151	138	�	�	PROPN
fsr-3485	151	139	1.1863	1.1863	NUM
fsr-3485	151	140	0.6657	0.6657	NUM
fsr-3485	151	141	0.0748	0.0748	NUM
fsr-3485	151	142	�	�	NOUN
fsr-3485	151	143	1.4060	1.4060	NUM
fsr-3485	151	144	0.6718	0.6718	NUM
fsr-3485	151	145	0.0364	0.0364	NUM
fsr-3485	151	146	age	age	NOUN
fsr-3485	151	147	25–34	25–34	NUM
fsr-3485	151	148	�	�	NOUN
fsr-3485	151	149	1.4710	1.4710	NUM
fsr-3485	151	150	0.4492	0.4492	NUM
fsr-3485	151	151	0.0011	0.0011	NUM
fsr-3485	151	152	�	�	NOUN
fsr-3485	151	153	1.4418	1.4418	NUM
fsr-3485	151	154	0.4510	0.4510	NUM
fsr-3485	151	155	0.0014	0.0014	NUM
fsr-3485	151	156	age	age	NOUN
fsr-3485	151	157	35–44	35–44	NUM
fsr-3485	151	158	�	�	PROPN
fsr-3485	151	159	0.8361	0.8361	NUM
fsr-3485	151	160	0.4780	0.4780	NUM
fsr-3485	151	161	0.0803	0.0803	NUM
fsr-3485	151	162	�	�	NOUN
fsr-3485	151	163	0.7889	0.7889	NUM
fsr-3485	151	164	0.4776	0.4776	NUM
fsr-3485	151	165	0.0986	0.0986	NUM
fsr-3485	151	166	age	age	NOUN
fsr-3485	151	167	55–61	55–61	NUM
fsr-3485	151	168	1.0994	1.0994	NUM
fsr-3485	151	169	0.5022	0.5022	NUM
fsr-3485	151	170	0.0286	0.0286	NUM
fsr-3485	151	171	1.1602	1.1602	NUM
fsr-3485	151	172	0.5023	0.5023	NUM
fsr-3485	151	173	0.0209	0.0209	NUM
fsr-3485	151	174	age	age	NOUN
fsr-3485	151	175	62–69	62–69	NUM
fsr-3485	151	176	4.7919	4.7919	NUM
fsr-3485	151	177	0.6035	0.6035	NUM
fsr-3485	151	178	<	<	X
fsr-3485	151	179	0.0001	0.0001	NUM
fsr-3485	151	180	4.7489	4.7489	NUM
fsr-3485	151	181	0.6037	0.6037	NUM
fsr-3485	151	182	<	<	X
fsr-3485	151	183	0.0001	0.0001	NUM
fsr-3485	151	184	age	age	NOUN
fsr-3485	151	185	70–74	70–74	NUM
fsr-3485	151	186	6.5155	6.5155	NUM
fsr-3485	151	187	0.8019	0.8019	NUM
fsr-3485	151	188	<	<	NOUN
fsr-3485	151	189	0.0001	0.0001	NUM
fsr-3485	151	190	6.4250	6.4250	NUM
fsr-3485	151	191	0.8019	0.8019	NUM
fsr-3485	151	192	<	<	NOUN
fsr-3485	151	193	0.0001	0.0001	NUM
fsr-3485	151	194	age	age	NOUN
fsr-3485	151	195	75	75	NUM
fsr-3485	151	196	or	or	CCONJ
fsr-3485	151	197	older	old	ADJ
fsr-3485	151	198	7.0357	7.0357	NUM
fsr-3485	151	199	0.7622	0.7622	NUM
fsr-3485	151	200	<	<	X
fsr-3485	151	201	0.0001	0.0001	NUM
fsr-3485	151	202	6.9418	6.9418	NUM
fsr-3485	151	203	0.7636	0.7636	NUM
fsr-3485	151	204	<	<	SYM
fsr-3485	151	205	0.0001	0.0001	NUM
fsr-3485	151	206	male	male	NOUN
fsr-3485	151	207	(	(	PUNCT
fsr-3485	151	208	ref	ref	NOUN
fsr-3485	151	209	:	:	PUNCT
fsr-3485	151	210	female	female	NOUN
fsr-3485	151	211	)	)	PUNCT
fsr-3485	151	212	0.3734	0.3734	NUM
fsr-3485	152	1	0.2823	0.2823	NUM
fsr-3485	152	2	0.186	0.186	NUM
fsr-3485	152	3	0.4461	0.4461	NUM
fsr-3485	152	4	0.2824	0.2824	NUM
fsr-3485	152	5	0.1143	0.1143	NOUN
fsr-3485	152	6	marital	marital	ADJ
fsr-3485	152	7	status	status	NOUN
fsr-3485	152	8	(	(	PUNCT
fsr-3485	152	9	ref	ref	NOUN
fsr-3485	152	10	:	:	PUNCT
fsr-3485	152	11	married	married	ADJ
fsr-3485	152	12	)	)	PUNCT
fsr-3485	152	13	partner	partner	NOUN
fsr-3485	152	14	�	�	PROPN
fsr-3485	152	15	1.6284	1.6284	NUM
fsr-3485	152	16	0.5873	0.5873	NUM
fsr-3485	152	17	0.0056	0.0056	NUM
fsr-3485	152	18	�	�	NOUN
fsr-3485	152	19	1.5036	1.5036	NUM
fsr-3485	152	20	0.5883	0.5883	NUM
fsr-3485	152	21	0.0106	0.0106	NUM
fsr-3485	152	22	single	single	ADJ
fsr-3485	152	23	(	(	PUNCT
fsr-3485	152	24	never	never	ADV
fsr-3485	152	25	married	married	ADJ
fsr-3485	152	26	)	)	PUNCT
fsr-3485	152	27	0.5362	0.5362	NUM
fsr-3485	152	28	0.4275	0.4275	NUM
fsr-3485	152	29	0.2098	0.2098	NUM
fsr-3485	152	30	0.7868	0.7868	NUM
fsr-3485	152	31	0.4330	0.4330	NUM
fsr-3485	152	32	0.0692	0.0692	NUM
fsr-3485	152	33	separated	separate	VERB
fsr-3485	152	34	/	/	SYM
fsr-3485	152	35	divorced	divorce	VERB
fsr-3485	152	36	/	/	SYM
fsr-3485	152	37	widowed	widowed	ADJ
fsr-3485	152	38	�	�	PROPN
fsr-3485	152	39	1.9218	1.9218	NUM
fsr-3485	152	40	0.4163	0.4163	NUM
fsr-3485	152	41	<	<	X
fsr-3485	152	42	0.0001	0.0001	NUM
fsr-3485	152	43	�	�	PROPN
fsr-3485	152	44	1.6136	1.6136	NUM
fsr-3485	152	45	0.4250	0.4250	NUM
fsr-3485	152	46	0.0001	0.0001	NUM
fsr-3485	152	47	race	race	NOUN
fsr-3485	152	48	/	/	SYM
fsr-3485	152	49	ethnicity	ethnicity	NOUN
fsr-3485	152	50	(	(	PUNCT
fsr-3485	152	51	ref	ref	NOUN
fsr-3485	152	52	:	:	PUNCT
fsr-3485	152	53	white	white	ADJ
fsr-3485	152	54	)	)	PUNCT
fsr-3485	152	55	black	black	ADJ
fsr-3485	152	56	�	�	PROPN
fsr-3485	152	57	0.0049	0.0049	NUM
fsr-3485	152	58	0.4488	0.4488	NUM
fsr-3485	152	59	0.9913	0.9913	NUM
fsr-3485	152	60	0.1117	0.1117	NUM
fsr-3485	152	61	0.4505	0.4505	NUM
fsr-3485	152	62	0.8042	0.8042	NUM
fsr-3485	152	63	hispanic	hispanic	NOUN
fsr-3485	152	64	0.6181	0.6181	NUM
fsr-3485	153	1	0.4131	0.4131	NUM
fsr-3485	153	2	0.1346	0.1346	NUM
fsr-3485	153	3	0.6171	0.6171	NUM
fsr-3485	153	4	0.4139	0.4139	NUM
fsr-3485	153	5	0.1360	0.1360	NUM
fsr-3485	153	6	others	other	NOUN
fsr-3485	153	7	�	�	NOUN
fsr-3485	153	8	1.3211	1.3211	NUM
fsr-3485	153	9	0.5148	0.5148	NUM
fsr-3485	153	10	0.0103	0.0103	NUM
fsr-3485	153	11	�	�	PROPN
fsr-3485	153	12	1.2575	1.2575	NUM
fsr-3485	153	13	0.5144	0.5144	NUM
fsr-3485	153	14	0.0145	0.0145	NUM
fsr-3485	153	15	employment	employment	NOUN
fsr-3485	153	16	status	status	NOUN
fsr-3485	153	17	(	(	PUNCT
fsr-3485	153	18	ref	ref	NOUN
fsr-3485	153	19	:	:	PUNCT
fsr-3485	153	20	salaried	salary	VERB
fsr-3485	153	21	workers	worker	NOUN
fsr-3485	153	22	)	)	PUNCT
fsr-3485	153	23	self	self	NOUN
fsr-3485	153	24	-	-	PUNCT
fsr-3485	153	25	employed	employ	VERB
fsr-3485	153	26	0.0141	0.0141	NUM
fsr-3485	153	27	0.5519	0.5519	NUM
fsr-3485	153	28	0.9796	0.9796	NUM
fsr-3485	153	29	�	�	NOUN
fsr-3485	153	30	0.1143	0.1143	VERB
fsr-3485	153	31	0.5518	0.5518	NUM
fsr-3485	153	32	0.8360	0.8360	NUM
fsr-3485	153	33	homemaker	homemaker	NOUN
fsr-3485	153	34	1.6479	1.6479	NUM
fsr-3485	153	35	0.5816	0.5816	NUM
fsr-3485	153	36	0.0046	0.0046	NUM
fsr-3485	153	37	1.4503	1.4503	NUM
fsr-3485	153	38	0.5828	0.5828	NUM
fsr-3485	153	39	0.0129	0.0129	NUM
fsr-3485	153	40	student	student	NOUN
fsr-3485	153	41	�	�	PROPN
fsr-3485	153	42	1.4246	1.4246	NUM
fsr-3485	153	43	0.7291	0.7291	NUM
fsr-3485	153	44	0.0507	0.0507	NUM
fsr-3485	153	45	�	�	PROPN
fsr-3485	153	46	1.5847	1.5847	NUM
fsr-3485	153	47	0.7297	0.7297	NUM
fsr-3485	153	48	0.0299	0.0299	NUM
fsr-3485	153	49	disabled	disabled	ADJ
fsr-3485	153	50	�	�	NOUN
fsr-3485	153	51	3.6130	3.6130	NUM
fsr-3485	153	52	0.5020	0.5020	NUM
fsr-3485	153	53	<	<	SYM
fsr-3485	153	54	0.0001	0.0001	NUM
fsr-3485	153	55	�	�	PROPN
fsr-3485	153	56	3.7266	3.7266	NUM
fsr-3485	153	57	0.5042	0.5042	NUM
fsr-3485	153	58	<	<	SYM
fsr-3485	153	59	0.0001	0.0001	NUM
fsr-3485	153	60	retired	retire	VERB
fsr-3485	153	61	2.2690	2.2690	NUM
fsr-3485	153	62	0.5684	0.5684	NUM
fsr-3485	153	63	<	<	NOUN
fsr-3485	153	64	0.0001	0.0001	NUM
fsr-3485	153	65	2.2063	2.2063	NUM
fsr-3485	153	66	0.5679	0.5679	NUM
fsr-3485	153	67	0.0001	0.0001	NUM
fsr-3485	153	68	education	education	NOUN
fsr-3485	153	69	(	(	PUNCT
fsr-3485	153	70	ref	ref	NOUN
fsr-3485	153	71	:	:	PUNCT
fsr-3485	153	72	less	less	ADJ
fsr-3485	153	73	than	than	ADP
fsr-3485	153	74	high	high	ADJ
fsr-3485	153	75	school	school	NOUN
fsr-3485	153	76	diploma	diploma	NOUN
fsr-3485	153	77	)	)	PUNCT
fsr-3485	153	78	high	high	ADJ
fsr-3485	153	79	school	school	NOUN
fsr-3485	153	80	2.3484	2.3484	NUM
fsr-3485	153	81	0.6994	0.6994	NUM
fsr-3485	153	82	0.0008	0.0008	NUM
fsr-3485	153	83	2.3881	2.3881	NUM
fsr-3485	153	84	0.6983	0.6983	NUM
fsr-3485	153	85	0.0006	0.0006	NUM
fsr-3485	153	86	some	some	DET
fsr-3485	153	87	college	college	NOUN
fsr-3485	153	88	0.8066	0.8066	NUM
fsr-3485	153	89	0.7053	0.7053	NUM
fsr-3485	153	90	0.2528	0.2528	NUM
fsr-3485	153	91	0.8591	0.8591	NUM
fsr-3485	153	92	0.7039	0.7039	NUM
fsr-3485	153	93	0.2223	0.2223	NUM
fsr-3485	153	94	bachelor	bachelor	NOUN
fsr-3485	153	95	degree	degree	NOUN
fsr-3485	153	96	1.4935	1.4935	NUM
fsr-3485	153	97	0.7420	0.7420	NUM
fsr-3485	153	98	0.0442	0.0442	NUM
fsr-3485	153	99	1.5274	1.5274	NUM
fsr-3485	153	100	0.7407	0.7407	NUM
fsr-3485	153	101	0.0392	0.0392	NUM
fsr-3485	153	102	post	post	ADJ
fsr-3485	153	103	-	-	ADJ
fsr-3485	153	104	bachelor	bachelor	ADJ
fsr-3485	153	105	degree	degree	NOUN
fsr-3485	153	106	2.2965	2.2965	NUM
fsr-3485	153	107	0.7667	0.7667	NUM
fsr-3485	153	108	0.0028	0.0028	NUM
fsr-3485	153	109	2.3735	2.3735	NUM
fsr-3485	153	110	0.7654	0.7654	NUM
fsr-3485	153	111	0.0019	0.0019	NUM
fsr-3485	153	112	household	household	NOUN
fsr-3485	153	113	income	income	NOUN
fsr-3485	153	114	(	(	PUNCT
fsr-3485	153	115	ref	ref	NOUN
fsr-3485	153	116	:	:	PUNCT
fsr-3485	153	117	less	less	ADJ
fsr-3485	153	118	than	than	ADP
fsr-3485	153	119	$	$	SYM
fsr-3485	153	120	20,000	20,000	NUM
fsr-3485	153	121	)	)	PUNCT
fsr-3485	153	122	$	$	SYM
fsr-3485	153	123	20,000–$29,999	20,000–$29,999	NUM
fsr-3485	153	124	1.1599	1.1599	NUM
fsr-3485	153	125	0.5949	0.5949	NUM
fsr-3485	153	126	0.0512	0.0512	NUM
fsr-3485	153	127	1.0676	1.0676	NUM
fsr-3485	153	128	0.5942	0.5942	NUM
fsr-3485	153	129	0.0724	0.0724	NUM
fsr-3485	153	130	$	$	SYM
fsr-3485	153	131	30,000–$39,999	30,000–$39,999	NUM
fsr-3485	153	132	2.4896	2.4896	NUM
fsr-3485	153	133	0.5860	0.5860	NUM
fsr-3485	153	134	<	<	X
fsr-3485	153	135	0.0001	0.0001	NUM
fsr-3485	153	136	2.3136	2.3136	NUM
fsr-3485	153	137	0.5859	0.5859	NUM
fsr-3485	153	138	<	<	NOUN
fsr-3485	153	139	0.0001	0.0001	NUM
fsr-3485	153	140	$	$	SYM
fsr-3485	153	141	40,000–$49,999	40,000–$49,999	NOUN
fsr-3485	153	142	4.1452	4.1452	NUM
fsr-3485	153	143	0.6690	0.6690	NUM
fsr-3485	153	144	<	<	X
fsr-3485	153	145	0.0001	0.0001	NUM
fsr-3485	153	146	3.9420	3.9420	NUM
fsr-3485	153	147	0.6686	0.6686	NUM
fsr-3485	153	148	<	<	SYM
fsr-3485	153	149	0.0001	0.0001	NUM
fsr-3485	153	150	$	$	SYM
fsr-3485	153	151	50,000–$59,999	50,000–$59,999	NUM
fsr-3485	153	152	5.7668	5.7668	NUM
fsr-3485	153	153	0.6501	0.6501	NUM
fsr-3485	153	154	<	<	NOUN
fsr-3485	153	155	0.0001	0.0001	NUM
fsr-3485	153	156	5.5721	5.5721	NUM
fsr-3485	153	157	0.6499	0.6499	NUM
fsr-3485	153	158	<	<	NOUN
fsr-3485	153	159	0.0001	0.0001	NUM
fsr-3485	153	160	$	$	SYM
fsr-3485	153	161	60,000–$74,999	60,000–$74,999	NUM
fsr-3485	153	162	6.5514	6.5514	NUM
fsr-3485	153	163	0.6274	0.6274	NUM
fsr-3485	153	164	<	<	NOUN
fsr-3485	153	165	0.0001	0.0001	NUM
fsr-3485	153	166	6.3844	6.3844	NUM
fsr-3485	153	167	0.6270	0.6270	NUM
fsr-3485	153	168	<	<	NOUN
fsr-3485	153	169	0.0001	0.0001	NUM
fsr-3485	153	170	$	$	SYM
fsr-3485	153	171	75,000–$99,999	75,000–$99,999	NUM
fsr-3485	153	172	7.2807	7.2807	NUM
fsr-3485	153	173	0.5903	0.5903	NUM
fsr-3485	153	174	<	<	NOUN
fsr-3485	153	175	0.0001	0.0001	NUM
fsr-3485	153	176	7.1220	7.1220	NUM
fsr-3485	153	177	0.5900	0.5900	NUM
fsr-3485	153	178	<	<	NOUN
fsr-3485	153	179	0.0001	0.0001	NUM
fsr-3485	153	180	$	$	SYM
fsr-3485	153	181	100,000–$149,999	100,000–$149,999	NUM
fsr-3485	153	182	8.9721	8.9721	NUM
fsr-3485	153	183	0.5925	0.5925	NUM
fsr-3485	153	184	<	<	X
fsr-3485	153	185	0.0001	0.0001	NUM
fsr-3485	153	186	8.7319	8.7319	NUM
fsr-3485	153	187	0.5936	0.5936	NUM
fsr-3485	153	188	<	<	NOUN
fsr-3485	153	189	0.0001	0.0001	NUM
fsr-3485	153	190	$	$	SYM
fsr-3485	153	191	150,000	150,000	NUM
fsr-3485	153	192	or	or	CCONJ
fsr-3485	153	193	more	more	ADJ
fsr-3485	153	194	11.4253	11.4253	NUM
fsr-3485	153	195	0.6267	0.6267	NUM
fsr-3485	153	196	<	<	X
fsr-3485	153	197	0.0001	0.0001	NUM
fsr-3485	153	198	11.2671	11.2671	NUM
fsr-3485	153	199	0.6274	0.6274	NUM
fsr-3485	153	200	<	<	X
fsr-3485	153	201	0.0001	0.0001	NUM
fsr-3485	153	202	constant	constant	ADJ
fsr-3485	153	203	22.1398	22.1398	NUM
fsr-3485	153	204	1.0630	1.0630	NUM
fsr-3485	153	205	<	<	NOUN
fsr-3485	153	206	0.0001	0.0001	NUM
fsr-3485	153	207	21.9743	21.9743	NUM
fsr-3485	153	208	1.1222	1.1222	NUM
fsr-3485	153	209	<	<	SYM
fsr-3485	153	210	0.0001	0.0001	NUM
fsr-3485	153	211	regional	regional	ADJ
fsr-3485	153	212	fixed	fix	VERB
fsr-3485	153	213	effect	effect	NOUN
fsr-3485	153	214	(	(	PUNCT
fsr-3485	153	215	census	census	NOUN
fsr-3485	153	216	division	division	NOUN
fsr-3485	153	217	)	)	PUNCT
fsr-3485	153	218	included	include	VERB
fsr-3485	153	219	included	include	VERB
fsr-3485	153	220	adjusted	adjusted	ADJ
fsr-3485	153	221	r2	r2	NOUN
fsr-3485	153	222	0.4047	0.4047	NUM
fsr-3485	153	223	0.4073	0.4073	NUM
fsr-3485	153	224	note	note	NOUN
fsr-3485	153	225	.	.	PUNCT
fsr-3485	154	1	weighted	weight	VERB
fsr-3485	154	2	results	result	NOUN
fsr-3485	154	3	.	.	PUNCT
fsr-3485	155	1	nfwbs	nfwb	VERB
fsr-3485	155	2	=	=	SYM
fsr-3485	155	3	national	national	ADJ
fsr-3485	155	4	financial	financial	ADJ
fsr-3485	155	5	well	well	ADV
fsr-3485	155	6	-	-	PUNCT
fsr-3485	155	7	being	being	NOUN
fsr-3485	155	8	survey	survey	NOUN
fsr-3485	155	9	;	;	PUNCT
fsr-3485	155	10	ols	ol	NOUN
fsr-3485	155	11	=	=	PUNCT
fsr-3485	155	12	ordinary	ordinary	ADJ
fsr-3485	155	13	least	least	ADJ
fsr-3485	155	14	squares	square	NOUN
fsr-3485	155	15	.	.	PUNCT
fsr-3485	156	1	198	198	NUM
fsr-3485	156	2	r.	r.	PROPN
fsr-3485	156	3	stebbins	stebbins	PROPN
fsr-3485	156	4	et	et	PROPN
fsr-3485	156	5	al	al	PROPN
fsr-3485	156	6	.	.	PUNCT
fsr-3485	156	7	/	/	SYM
fsr-3485	156	8	financial	financial	ADJ
fsr-3485	156	9	services	service	NOUN
fsr-3485	156	10	review	review	VERB
fsr-3485	156	11	30	30	NUM
fsr-3485	156	12	(	(	PUNCT
fsr-3485	156	13	2022	2022	NUM
fsr-3485	156	14	)	)	PUNCT
fsr-3485	156	15	191–204	191–204	NUM
fsr-3485	156	16	support	support	VERB
fsr-3485	156	17	the	the	DET
fsr-3485	156	18	positive	positive	ADJ
fsr-3485	156	19	association	association	NOUN
fsr-3485	156	20	between	between	ADP
fsr-3485	156	21	the	the	DET
fsr-3485	156	22	use	use	NOUN
fsr-3485	156	23	of	of	ADP
fsr-3485	156	24	a	a	DET
fsr-3485	156	25	financial	financial	ADJ
fsr-3485	156	26	professional	professional	ADJ
fsr-3485	156	27	and	and	CCONJ
fsr-3485	156	28	financial	financial	ADJ
fsr-3485	156	29	well	well	NOUN
fsr-3485	156	30	-	-	PUNCT
fsr-3485	156	31	being	being	NOUN
fsr-3485	156	32	.	.	PUNCT
fsr-3485	157	1	interestingly	interestingly	ADV
fsr-3485	157	2	,	,	PUNCT
fsr-3485	157	3	advice	advice	NOUN
fsr-3485	157	4	from	from	ADP
fsr-3485	157	5	employer	employer	NOUN
fsr-3485	157	6	and	and	CCONJ
fsr-3485	157	7	government	government	NOUN
fsr-3485	157	8	were	be	AUX
fsr-3485	157	9	negatively	negatively	ADV
fsr-3485	157	10	related	relate	VERB
fsr-3485	157	11	to	to	ADP
fsr-3485	157	12	the	the	DET
fsr-3485	157	13	level	level	NOUN
fsr-3485	157	14	of	of	ADP
fsr-3485	157	15	financial	financial	ADJ
fsr-3485	157	16	well	well	NOUN
fsr-3485	157	17	-	-	PUNCT
fsr-3485	157	18	being	being	NOUN
fsr-3485	157	19	,	,	PUNCT
fsr-3485	157	20	which	which	PRON
fsr-3485	157	21	implies	imply	VERB
fsr-3485	157	22	an	an	DET
fsr-3485	157	23	effect	effect	NOUN
fsr-3485	157	24	is	be	AUX
fsr-3485	157	25	offset	offset	VERB
fsr-3485	157	26	by	by	ADP
fsr-3485	157	27	other	other	ADJ
fsr-3485	157	28	types	type	NOUN
fsr-3485	157	29	of	of	ADP
fsr-3485	157	30	financial	financial	ADJ
fsr-3485	157	31	advice	advice	NOUN
fsr-3485	157	32	.	.	PUNCT
fsr-3485	158	1	this	this	PRON
fsr-3485	158	2	may	may	AUX
fsr-3485	158	3	also	also	ADV
fsr-3485	158	4	be	be	AUX
fsr-3485	158	5	due	due	ADJ
fsr-3485	158	6	to	to	ADP
fsr-3485	158	7	the	the	DET
fsr-3485	158	8	likely	likely	ADJ
fsr-3485	158	9	types	type	NOUN
fsr-3485	158	10	of	of	ADP
fsr-3485	158	11	advice	advice	NOUN
fsr-3485	158	12	offered	offer	VERB
fsr-3485	158	13	by	by	ADP
fsr-3485	158	14	the	the	DET
fsr-3485	158	15	government	government	NOUN
fsr-3485	158	16	and	and	CCONJ
fsr-3485	158	17	the	the	DET
fsr-3485	158	18	specificity	specificity	NOUN
fsr-3485	158	19	of	of	ADP
fsr-3485	158	20	advice	advice	NOUN
fsr-3485	158	21	employers	employer	NOUN
fsr-3485	158	22	offer	offer	VERB
fsr-3485	158	23	.	.	PUNCT
fsr-3485	159	1	government	government	NOUN
fsr-3485	159	2	advice	advice	NOUN
fsr-3485	159	3	tends	tend	VERB
fsr-3485	159	4	to	to	PART
fsr-3485	159	5	cover	cover	VERB
fsr-3485	159	6	government	government	NOUN
fsr-3485	159	7	entitlements	entitlement	NOUN
fsr-3485	159	8	such	such	ADJ
fsr-3485	159	9	as	as	ADP
fsr-3485	159	10	unemployment	unemployment	NOUN
fsr-3485	159	11	benefits	benefit	NOUN
fsr-3485	159	12	,	,	PUNCT
fsr-3485	159	13	welfare	welfare	NOUN
fsr-3485	159	14	,	,	PUNCT
fsr-3485	159	15	food	food	NOUN
fsr-3485	159	16	stamps	stamp	NOUN
fsr-3485	159	17	,	,	PUNCT
fsr-3485	159	18	or	or	CCONJ
fsr-3485	159	19	children	child	NOUN
fsr-3485	159	20	’s	’s	PART
fsr-3485	159	21	health	health	NOUN
fsr-3485	159	22	insurance	insurance	NOUN
fsr-3485	159	23	program	program	NOUN
fsr-3485	159	24	.	.	PUNCT
fsr-3485	160	1	employer	employer	NOUN
fsr-3485	160	2	financial	financial	ADJ
fsr-3485	160	3	advice	advice	NOUN
fsr-3485	160	4	might	might	AUX
fsr-3485	160	5	only	only	ADV
fsr-3485	160	6	cover	cover	VERB
fsr-3485	160	7	retirement	retirement	NOUN
fsr-3485	160	8	plan	plan	NOUN
fsr-3485	160	9	options	option	NOUN
fsr-3485	160	10	for	for	ADP
fsr-3485	160	11	employees	employee	NOUN
fsr-3485	160	12	.	.	PUNCT
fsr-3485	161	1	if	if	SCONJ
fsr-3485	161	2	financial	financial	ADJ
fsr-3485	161	3	well	well	NOUN
fsr-3485	161	4	-	-	PUNCT
fsr-3485	161	5	being	being	NOUN
fsr-3485	161	6	is	be	AUX
fsr-3485	161	7	viewed	view	VERB
fsr-3485	161	8	as	as	ADP
fsr-3485	161	9	a	a	DET
fsr-3485	161	10	domain	domain	NOUN
fsr-3485	161	11	of	of	ADP
fsr-3485	161	12	overall	overall	ADJ
fsr-3485	161	13	well	well	ADV
fsr-3485	161	14	-	-	PUNCT
fsr-3485	161	15	being	being	NOUN
fsr-3485	161	16	or	or	CCONJ
fsr-3485	161	17	life	life	NOUN
fsr-3485	161	18	satisfaction	satisfaction	NOUN
fsr-3485	161	19	,	,	PUNCT
fsr-3485	161	20	policymakers	policymaker	NOUN
fsr-3485	161	21	should	should	AUX
fsr-3485	161	22	support	support	VERB
fsr-3485	161	23	financial	financial	ADJ
fsr-3485	161	24	planning	planning	NOUN
fsr-3485	161	25	education	education	NOUN
fsr-3485	161	26	.	.	PUNCT
fsr-3485	162	1	this	this	PRON
fsr-3485	162	2	has	have	AUX
fsr-3485	162	3	been	be	AUX
fsr-3485	162	4	done	do	VERB
fsr-3485	162	5	at	at	ADP
fsr-3485	162	6	the	the	DET
fsr-3485	162	7	k–12	k–12	NOUN
fsr-3485	162	8	level	level	NOUN
fsr-3485	162	9	in	in	ADP
fsr-3485	162	10	several	several	ADJ
fsr-3485	162	11	states	state	NOUN
fsr-3485	162	12	with	with	ADP
fsr-3485	162	13	a	a	DET
fsr-3485	162	14	positive	positive	ADJ
fsr-3485	162	15	impact	impact	NOUN
fsr-3485	162	16	of	of	ADP
fsr-3485	162	17	improving	improve	VERB
fsr-3485	162	18	the	the	DET
fsr-3485	162	19	credit	credit	NOUN
fsr-3485	162	20	scores	score	NOUN
fsr-3485	162	21	and	and	CCONJ
fsr-3485	162	22	lowering	lower	VERB
fsr-3485	162	23	the	the	DET
fsr-3485	162	24	probability	probability	NOUN
fsr-3485	162	25	of	of	ADP
fsr-3485	162	26	delinquency	delinquency	NOUN
fsr-3485	162	27	in	in	ADP
fsr-3485	162	28	young	young	ADJ
fsr-3485	162	29	adults	adult	NOUN
fsr-3485	162	30	(	(	PUNCT
fsr-3485	162	31	urban	urban	ADJ
fsr-3485	162	32	,	,	PUNCT
fsr-3485	162	33	schmeiser	schmeiser	ADJ
fsr-3485	162	34	,	,	PUNCT
fsr-3485	162	35	collins	collins	PROPN
fsr-3485	162	36	,	,	PUNCT
fsr-3485	162	37	&	&	CCONJ
fsr-3485	162	38	brown	brown	PROPN
fsr-3485	162	39	,	,	PUNCT
fsr-3485	162	40	2015	2015	NUM
fsr-3485	162	41	)	)	PUNCT
fsr-3485	162	42	.	.	PUNCT
fsr-3485	163	1	three	three	NUM
fsr-3485	163	2	years	year	NOUN
fsr-3485	163	3	after	after	SCONJ
fsr-3485	163	4	the	the	DET
fsr-3485	163	5	programs	program	NOUN
fsr-3485	163	6	began	begin	VERB
fsr-3485	163	7	,	,	PUNCT
fsr-3485	163	8	‘	'	PUNCT
fsr-3485	163	9	credit	credit	NOUN
fsr-3485	163	10	scores	score	NOUN
fsr-3485	163	11	increased	increase	VERB
fsr-3485	163	12	by	by	ADP
fsr-3485	163	13	10.89	10.89	NUM
fsr-3485	163	14	points	point	NOUN
fsr-3485	163	15	in	in	ADP
fsr-3485	163	16	georgia	georgia	PROPN
fsr-3485	163	17	,	,	PUNCT
fsr-3485	163	18	16.19	16.19	NUM
fsr-3485	163	19	points	point	NOUN
fsr-3485	163	20	in	in	ADP
fsr-3485	163	21	idaho	idaho	PROPN
fsr-3485	163	22	and	and	CCONJ
fsr-3485	163	23	31.71	31.71	NUM
fsr-3485	163	24	points	point	NOUN
fsr-3485	163	25	in	in	ADP
fsr-3485	163	26	texas	texas	PROPN
fsr-3485	163	27	’	'	PUNCT
fsr-3485	163	28	(	(	PUNCT
fsr-3485	163	29	urban	urban	ADJ
fsr-3485	163	30	,	,	PUNCT
fsr-3485	163	31	schmeiser	schmeiser	ADJ
fsr-3485	163	32	,	,	PUNCT
fsr-3485	163	33	collins	collins	PROPN
fsr-3485	163	34	,	,	PUNCT
fsr-3485	163	35	&	&	CCONJ
fsr-3485	163	36	brown	brown	PROPN
fsr-3485	163	37	,	,	PUNCT
fsr-3485	163	38	2015	2015	NUM
fsr-3485	163	39	)	)	PUNCT
fsr-3485	163	40	.	.	PUNCT
fsr-3485	164	1	instructors	instructor	NOUN
fsr-3485	164	2	teach	teach	VERB
fsr-3485	164	3	these	these	DET
fsr-3485	164	4	k–12	k–12	NOUN
fsr-3485	164	5	programs	program	NOUN
fsr-3485	164	6	with	with	ADP
fsr-3485	164	7	various	various	ADJ
fsr-3485	164	8	backgrounds	background	NOUN
fsr-3485	164	9	with	with	ADP
fsr-3485	164	10	minimal	minimal	ADJ
fsr-3485	164	11	training	training	NOUN
fsr-3485	164	12	requirements	requirement	NOUN
fsr-3485	164	13	in	in	ADP
fsr-3485	164	14	georgia	georgia	PROPN
fsr-3485	164	15	and	and	CCONJ
fsr-3485	164	16	no	no	DET
fsr-3485	164	17	formal	formal	ADJ
fsr-3485	164	18	training	training	NOUN
fsr-3485	164	19	requirements	requirement	NOUN
fsr-3485	164	20	in	in	ADP
fsr-3485	164	21	texas	texas	PROPN
fsr-3485	164	22	(	(	PUNCT
fsr-3485	164	23	urban	urban	ADJ
fsr-3485	164	24	,	,	PUNCT
fsr-3485	164	25	schmeiser	schmeiser	ADJ
fsr-3485	164	26	,	,	PUNCT
fsr-3485	164	27	collins	collins	PROPN
fsr-3485	164	28	,	,	PUNCT
fsr-3485	164	29	&	&	CCONJ
fsr-3485	164	30	brown	brown	PROPN
fsr-3485	164	31	,	,	PUNCT
fsr-3485	164	32	2015	2015	NUM
fsr-3485	164	33	)	)	PUNCT
fsr-3485	164	34	.	.	PUNCT
fsr-3485	165	1	a	a	DET
fsr-3485	165	2	college	college	NOUN
fsr-3485	165	3	degree	degree	NOUN
fsr-3485	165	4	in	in	ADP
fsr-3485	165	5	financial	financial	ADJ
fsr-3485	165	6	planning	planning	NOUN
fsr-3485	165	7	could	could	AUX
fsr-3485	165	8	help	help	VERB
fsr-3485	165	9	improve	improve	VERB
fsr-3485	165	10	the	the	DET
fsr-3485	165	11	curriculum	curriculum	NOUN
fsr-3485	165	12	.	.	PUNCT
fsr-3485	166	1	however	however	ADV
fsr-3485	166	2	,	,	PUNCT
fsr-3485	166	3	in	in	ADP
fsr-3485	166	4	2018	2018	NUM
fsr-3485	166	5	,	,	PUNCT
fsr-3485	166	6	only	only	ADV
fsr-3485	166	7	4.5	4.5	NUM
fsr-3485	166	8	%	%	NOUN
fsr-3485	166	9	of	of	ADP
fsr-3485	166	10	four	four	NUM
fsr-3485	166	11	-	-	PUNCT
fsr-3485	166	12	year	year	NOUN
fsr-3485	166	13	universities	university	NOUN
fsr-3485	166	14	offer	offer	VERB
fsr-3485	166	15	degrees	degree	NOUN
fsr-3485	166	16	in	in	ADP
fsr-3485	166	17	financial	financial	ADJ
fsr-3485	166	18	planning	planning	NOUN
fsr-3485	166	19	(	(	PUNCT
fsr-3485	166	20	iacurci	iacurci	NOUN
fsr-3485	166	21	,	,	PUNCT
fsr-3485	166	22	2018	2018	NUM
fsr-3485	166	23	)	)	PUNCT
fsr-3485	166	24	.	.	PUNCT
fsr-3485	167	1	funding	funding	NOUN
fsr-3485	167	2	for	for	ADP
fsr-3485	167	3	more	more	ADJ
fsr-3485	167	4	programs	program	NOUN
fsr-3485	167	5	can	can	AUX
fsr-3485	167	6	be	be	AUX
fsr-3485	167	7	encouraged	encourage	VERB
fsr-3485	167	8	through	through	ADP
fsr-3485	167	9	policy	policy	NOUN
fsr-3485	167	10	and	and	CCONJ
fsr-3485	167	11	consumer	consumer	NOUN
fsr-3485	167	12	demand	demand	NOUN
fsr-3485	167	13	.	.	PUNCT
fsr-3485	168	1	the	the	DET
fsr-3485	168	2	advice	advice	NOUN
fsr-3485	168	3	of	of	ADP
fsr-3485	168	4	financial	financial	ADJ
fsr-3485	168	5	planners	planner	NOUN
fsr-3485	168	6	might	might	AUX
fsr-3485	168	7	help	help	VERB
fsr-3485	168	8	vulnerable	vulnerable	ADJ
fsr-3485	168	9	consumers	consumer	NOUN
fsr-3485	168	10	better	well	ADV
fsr-3485	168	11	understand	understand	VERB
fsr-3485	168	12	the	the	DET
fsr-3485	168	13	market	market	NOUN
fsr-3485	168	14	and	and	CCONJ
fsr-3485	168	15	the	the	DET
fsr-3485	168	16	value	value	NOUN
fsr-3485	168	17	of	of	ADP
fsr-3485	168	18	planning	planning	NOUN
fsr-3485	168	19	for	for	ADP
fsr-3485	168	20	retirement	retirement	NOUN
fsr-3485	168	21	(	(	PUNCT
fsr-3485	168	22	hilgert	hilgert	PROPN
fsr-3485	168	23	et	et	PROPN
fsr-3485	168	24	al	al	PROPN
fsr-3485	168	25	.	.	PROPN
fsr-3485	168	26	,	,	PUNCT
fsr-3485	168	27	2003	2003	NUM
fsr-3485	168	28	;	;	PUNCT
fsr-3485	168	29	robb	robb	VERB
fsr-3485	168	30	et	et	PROPN
fsr-3485	168	31	al	al	PROPN
fsr-3485	168	32	.	.	PROPN
fsr-3485	168	33	,	,	PUNCT
fsr-3485	168	34	2012	2012	NUM
fsr-3485	168	35	)	)	PUNCT
fsr-3485	168	36	.	.	PUNCT
fsr-3485	169	1	an	an	DET
fsr-3485	169	2	alarming	alarming	ADJ
fsr-3485	169	3	portion	portion	NOUN
fsr-3485	169	4	of	of	ADP
fsr-3485	169	5	millennials	millennial	NOUN
fsr-3485	169	6	are	be	AUX
fsr-3485	169	7	saving	save	VERB
fsr-3485	169	8	for	for	ADP
fsr-3485	169	9	retirement	retirement	NOUN
fsr-3485	169	10	in	in	ADP
fsr-3485	169	11	conservative	conservative	ADJ
fsr-3485	169	12	investments	investment	NOUN
fsr-3485	169	13	such	such	ADJ
fsr-3485	169	14	as	as	ADP
fsr-3485	169	15	bonds	bond	NOUN
fsr-3485	169	16	or	or	CCONJ
fsr-3485	169	17	money	money	NOUN
fsr-3485	169	18	market	market	NOUN
fsr-3485	169	19	funds	fund	NOUN
fsr-3485	169	20	(	(	PUNCT
fsr-3485	169	21	tepper	tepper	NOUN
fsr-3485	169	22	,	,	PUNCT
fsr-3485	169	23	2018	2018	NUM
fsr-3485	169	24	)	)	PUNCT
fsr-3485	169	25	.	.	PUNCT
fsr-3485	170	1	on	on	ADP
fsr-3485	170	2	the	the	DET
fsr-3485	170	3	other	other	ADJ
fsr-3485	170	4	end	end	NOUN
fsr-3485	170	5	of	of	ADP
fsr-3485	170	6	the	the	DET
fsr-3485	170	7	pendulum	pendulum	NOUN
fsr-3485	170	8	,	,	PUNCT
fsr-3485	170	9	predatory	predatory	ADJ
fsr-3485	170	10	retail	retail	ADJ
fsr-3485	170	11	investor	investor	NOUN
fsr-3485	170	12	trading	trading	NOUN
fsr-3485	170	13	of	of	ADP
fsr-3485	170	14	gamestop	gamestop	NOUN
fsr-3485	170	15	highlighted	highlight	VERB
fsr-3485	170	16	the	the	DET
fsr-3485	170	17	volatility	volatility	NOUN
fsr-3485	170	18	investors	investor	NOUN
fsr-3485	170	19	,	,	PUNCT
fsr-3485	170	20	primarily	primarily	ADV
fsr-3485	170	21	in	in	ADP
fsr-3485	170	22	their	their	PRON
fsr-3485	170	23	mid-30s	mid-30	NOUN
fsr-3485	170	24	,	,	PUNCT
fsr-3485	170	25	were	be	AUX
fsr-3485	170	26	willing	willing	ADJ
fsr-3485	170	27	to	to	PART
fsr-3485	170	28	take	take	VERB
fsr-3485	170	29	on	on	ADP
fsr-3485	170	30	(	(	PUNCT
fsr-3485	170	31	hasso	hasso	PROPN
fsr-3485	170	32	et	et	PROPN
fsr-3485	170	33	al	al	PROPN
fsr-3485	170	34	.	.	PROPN
fsr-3485	170	35	,	,	PUNCT
fsr-3485	170	36	2021	2021	NUM
fsr-3485	170	37	)	)	PUNCT
fsr-3485	170	38	.	.	PUNCT
fsr-3485	171	1	in	in	ADP
fsr-3485	171	2	addition	addition	NOUN
fsr-3485	171	3	,	,	PUNCT
fsr-3485	171	4	there	there	PRON
fsr-3485	171	5	are	be	VERB
fsr-3485	171	6	fewer	few	ADJ
fsr-3485	171	7	financial	financial	ADJ
fsr-3485	171	8	planners	planner	NOUN
fsr-3485	171	9	under	under	ADP
fsr-3485	171	10	the	the	DET
fsr-3485	171	11	age	age	NOUN
fsr-3485	171	12	of	of	ADP
fsr-3485	171	13	30	30	NUM
fsr-3485	171	14	,	,	PUNCT
fsr-3485	171	15	who	who	PRON
fsr-3485	171	16	might	might	AUX
fsr-3485	171	17	better	well	ADV
fsr-3485	171	18	understand	understand	VERB
fsr-3485	171	19	millennials	millennial	NOUN
fsr-3485	171	20	,	,	PUNCT
fsr-3485	171	21	than	than	SCONJ
fsr-3485	171	22	there	there	PRON
fsr-3485	171	23	are	be	VERB
fsr-3485	171	24	over	over	ADP
fsr-3485	171	25	the	the	DET
fsr-3485	171	26	age	age	NOUN
fsr-3485	171	27	of	of	ADP
fsr-3485	171	28	70	70	NUM
fsr-3485	171	29	(	(	PUNCT
fsr-3485	171	30	iacurci	iacurci	NOUN
fsr-3485	171	31	,	,	PUNCT
fsr-3485	171	32	2018	2018	NUM
fsr-3485	171	33	)	)	PUNCT
fsr-3485	171	34	.	.	PUNCT
fsr-3485	172	1	table	table	NOUN
fsr-3485	172	2	3	3	NUM
fsr-3485	172	3	ols	ol	NOUN
fsr-3485	172	4	regression	regression	NOUN
fsr-3485	172	5	of	of	ADP
fsr-3485	172	6	financial	financial	ADJ
fsr-3485	172	7	well	well	NOUN
fsr-3485	172	8	-	-	PUNCT
fsr-3485	172	9	being	being	NOUN
fsr-3485	172	10	,	,	PUNCT
fsr-3485	172	11	respondents	respondent	NOUN
fsr-3485	172	12	who	who	PRON
fsr-3485	172	13	used	use	VERB
fsr-3485	172	14	financial	financial	ADJ
fsr-3485	172	15	advice	advice	NOUN
fsr-3485	172	16	(	(	PUNCT
fsr-3485	172	17	n	n	NOUN
fsr-3485	172	18	=	=	SYM
fsr-3485	172	19	5,097	5,097	NUM
fsr-3485	172	20	)	)	PUNCT
fsr-3485	172	21	,	,	PUNCT
fsr-3485	172	22	robustness	robustness	NOUN
fsr-3485	172	23	check	check	NOUN
fsr-3485	172	24	,	,	PUNCT
fsr-3485	172	25	2016	2016	NUM
fsr-3485	172	26	nfwbs	nfwb	VERB
fsr-3485	172	27	variables	variable	NOUN
fsr-3485	172	28	coefficient	coefficient	VERB
fsr-3485	172	29	standard	standard	ADJ
fsr-3485	172	30	error	error	NOUN
fsr-3485	172	31	p	p	NOUN
fsr-3485	172	32	-	-	PUNCT
fsr-3485	172	33	value	value	NOUN
fsr-3485	172	34	coefficient	coefficient	NOUN
fsr-3485	172	35	standard	standard	ADJ
fsr-3485	172	36	error	error	NOUN
fsr-3485	172	37	p	p	NOUN
fsr-3485	172	38	-	-	PUNCT
fsr-3485	172	39	value	value	NOUN
fsr-3485	172	40	source	source	NOUN
fsr-3485	172	41	of	of	ADP
fsr-3485	172	42	financial	financial	ADJ
fsr-3485	172	43	advice	advice	NOUN
fsr-3485	172	44	financial	financial	ADJ
fsr-3485	172	45	professional	professional	ADJ
fsr-3485	172	46	1.8504	1.8504	NUM
fsr-3485	172	47	0.3593	0.3593	NUM
fsr-3485	172	48	<	<	NOUN
fsr-3485	172	49	0.0001	0.0001	NUM
fsr-3485	172	50	2.0015	2.0015	NUM
fsr-3485	172	51	0.3668	0.3668	NUM
fsr-3485	172	52	<	<	X
fsr-3485	172	53	0.0001	0.0001	NUM
fsr-3485	172	54	family	family	NOUN
fsr-3485	172	55	—	—	PUNCT
fsr-3485	172	56	—	—	PUNCT
fsr-3485	172	57	—	—	PUNCT
fsr-3485	172	58	0.7598	0.7598	NUM
fsr-3485	172	59	0.3868	0.3868	NUM
fsr-3485	172	60	0.0495	0.0495	NUM
fsr-3485	172	61	employer	employer	NOUN
fsr-3485	172	62	—	—	PUNCT
fsr-3485	172	63	—	—	PUNCT
fsr-3485	172	64	—	—	PUNCT
fsr-3485	172	65	�	�	NOUN
fsr-3485	172	66	0.9785	0.9785	NUM
fsr-3485	172	67	0.3259	0.3259	NUM
fsr-3485	172	68	0.0027	0.0027	NUM
fsr-3485	172	69	community	community	NOUN
fsr-3485	172	70	—	—	PUNCT
fsr-3485	172	71	—	—	PUNCT
fsr-3485	172	72	—	—	PUNCT
fsr-3485	172	73	�	�	NOUN
fsr-3485	172	74	0.0734	0.0734	NUM
fsr-3485	172	75	0.7231	0.7231	NUM
fsr-3485	172	76	0.9191	0.9191	NUM
fsr-3485	172	77	financial	financial	ADJ
fsr-3485	172	78	institution	institution	NOUN
fsr-3485	172	79	—	—	PUNCT
fsr-3485	172	80	—	—	PUNCT
fsr-3485	172	81	—	—	PUNCT
fsr-3485	172	82	0.2684	0.2684	NUM
fsr-3485	172	83	0.3673	0.3673	NUM
fsr-3485	172	84	0.4649	0.4649	NUM
fsr-3485	172	85	government	government	NOUN
fsr-3485	172	86	—	—	PUNCT
fsr-3485	172	87	—	—	PUNCT
fsr-3485	172	88	—	—	PUNCT
fsr-3485	172	89	�	�	VERB
fsr-3485	172	90	2.9334	2.9334	NUM
fsr-3485	172	91	0.7621	0.7621	NUM
fsr-3485	172	92	0.0001	0.0001	NUM
fsr-3485	172	93	constant	constant	ADJ
fsr-3485	172	94	21.9445	21.9445	NUM
fsr-3485	172	95	1.2037	1.2037	NUM
fsr-3485	172	96	<	<	NOUN
fsr-3485	172	97	0.0001	0.0001	NUM
fsr-3485	172	98	21.8242	21.8242	NUM
fsr-3485	172	99	1.2513	1.2513	NUM
fsr-3485	172	100	<	<	NOUN
fsr-3485	172	101	0.0001	0.0001	NUM
fsr-3485	172	102	control	control	NOUN
fsr-3485	172	103	variables	variable	NOUN
fsr-3485	172	104	included	include	VERB
fsr-3485	172	105	included	include	VERB
fsr-3485	172	106	regional	regional	ADJ
fsr-3485	172	107	fixed	fix	VERB
fsr-3485	172	108	effect	effect	NOUN
fsr-3485	172	109	(	(	PUNCT
fsr-3485	172	110	census	census	NOUN
fsr-3485	172	111	division	division	NOUN
fsr-3485	172	112	)	)	PUNCT
fsr-3485	172	113	included	include	VERB
fsr-3485	172	114	included	include	VERB
fsr-3485	172	115	adjusted	adjust	VERB
fsr-3485	172	116	r2	r2	PROPN
fsr-3485	172	117	0.4008	0.4008	NUM
fsr-3485	172	118	0.4040	0.4040	NUM
fsr-3485	172	119	note	note	NOUN
fsr-3485	172	120	.	.	PUNCT
fsr-3485	173	1	weighted	weight	VERB
fsr-3485	173	2	results	result	NOUN
fsr-3485	173	3	.	.	PUNCT
fsr-3485	174	1	control	control	NOUN
fsr-3485	174	2	variables	variable	NOUN
fsr-3485	174	3	are	be	AUX
fsr-3485	174	4	the	the	DET
fsr-3485	174	5	same	same	ADJ
fsr-3485	174	6	as	as	ADP
fsr-3485	174	7	table	table	NOUN
fsr-3485	174	8	2	2	NUM
fsr-3485	174	9	.	.	PUNCT
fsr-3485	174	10	nfwbs	nfwbs	PROPN
fsr-3485	174	11	=	=	SYM
fsr-3485	174	12	national	national	ADJ
fsr-3485	174	13	financial	financial	ADJ
fsr-3485	174	14	well	well	ADV
fsr-3485	174	15	-	-	PUNCT
fsr-3485	174	16	being	being	NOUN
fsr-3485	174	17	survey	survey	NOUN
fsr-3485	174	18	;	;	PUNCT
fsr-3485	174	19	ols	ol	NOUN
fsr-3485	174	20	=	=	PUNCT
fsr-3485	174	21	ordinary	ordinary	ADJ
fsr-3485	174	22	least	least	ADJ
fsr-3485	174	23	squares	square	NOUN
fsr-3485	174	24	.	.	PUNCT
fsr-3485	175	1	r.	r.	PROPN
fsr-3485	175	2	stebbins	stebbins	PROPN
fsr-3485	175	3	et	et	PROPN
fsr-3485	175	4	al	al	PROPN
fsr-3485	175	5	.	.	PUNCT
fsr-3485	176	1	/	/	SYM
fsr-3485	176	2	financial	financial	ADJ
fsr-3485	176	3	services	service	NOUN
fsr-3485	176	4	review	review	VERB
fsr-3485	176	5	30	30	NUM
fsr-3485	176	6	(	(	PUNCT
fsr-3485	176	7	2022	2022	NUM
fsr-3485	176	8	)	)	PUNCT
fsr-3485	176	9	191–204	191–204	NUM
fsr-3485	176	10	199	199	NUM
fsr-3485	176	11	in	in	ADP
fsr-3485	176	12	this	this	DET
fsr-3485	176	13	study	study	NOUN
fsr-3485	176	14	,	,	PUNCT
fsr-3485	176	15	there	there	PRON
fsr-3485	176	16	are	be	VERB
fsr-3485	176	17	some	some	DET
fsr-3485	176	18	important	important	ADJ
fsr-3485	176	19	limitations	limitation	NOUN
fsr-3485	176	20	to	to	PART
fsr-3485	176	21	note	note	VERB
fsr-3485	176	22	.	.	PUNCT
fsr-3485	177	1	first	first	ADV
fsr-3485	177	2	,	,	PUNCT
fsr-3485	177	3	this	this	DET
fsr-3485	177	4	study	study	NOUN
fsr-3485	177	5	used	use	VERB
fsr-3485	177	6	a	a	DET
fsr-3485	177	7	crosssectional	crosssectional	ADJ
fsr-3485	177	8	dataset	dataset	NOUN
fsr-3485	177	9	,	,	PUNCT
fsr-3485	177	10	which	which	PRON
fsr-3485	177	11	makes	make	VERB
fsr-3485	177	12	it	it	PRON
fsr-3485	177	13	difficult	difficult	ADJ
fsr-3485	177	14	to	to	PART
fsr-3485	177	15	make	make	VERB
fsr-3485	177	16	a	a	DET
fsr-3485	177	17	causal	causal	ADJ
fsr-3485	177	18	inference	inference	NOUN
fsr-3485	177	19	on	on	ADP
fsr-3485	177	20	the	the	DET
fsr-3485	177	21	association	association	NOUN
fsr-3485	177	22	between	between	ADP
fsr-3485	177	23	financial	financial	ADJ
fsr-3485	177	24	professional	professional	ADJ
fsr-3485	177	25	use	use	NOUN
fsr-3485	177	26	and	and	CCONJ
fsr-3485	177	27	financial	financial	ADJ
fsr-3485	177	28	well	well	NOUN
fsr-3485	177	29	-	-	PUNCT
fsr-3485	177	30	being	being	NOUN
fsr-3485	177	31	.	.	PUNCT
fsr-3485	178	1	at	at	ADP
fsr-3485	178	2	present	present	ADJ
fsr-3485	178	3	,	,	PUNCT
fsr-3485	178	4	no	no	DET
fsr-3485	178	5	other	other	ADJ
fsr-3485	178	6	national	national	ADJ
fsr-3485	178	7	survey	survey	NOUN
fsr-3485	178	8	dataset	dataset	VERB
fsr-3485	178	9	is	be	AUX
fsr-3485	178	10	available	available	ADJ
fsr-3485	178	11	that	that	PRON
fsr-3485	178	12	contains	contain	VERB
fsr-3485	178	13	the	the	DET
fsr-3485	178	14	full	full	ADJ
fsr-3485	178	15	range	range	NOUN
fsr-3485	178	16	of	of	ADP
fsr-3485	178	17	information	information	NOUN
fsr-3485	178	18	needed	need	VERB
fsr-3485	178	19	for	for	ADP
fsr-3485	178	20	ideal	ideal	ADJ
fsr-3485	178	21	analyses	analysis	NOUN
fsr-3485	178	22	of	of	ADP
fsr-3485	178	23	the	the	DET
fsr-3485	178	24	research	research	NOUN
fsr-3485	178	25	questions	question	NOUN
fsr-3485	178	26	,	,	PUNCT
fsr-3485	178	27	especially	especially	ADV
fsr-3485	178	28	for	for	ADP
fsr-3485	178	29	the	the	DET
fsr-3485	178	30	solid	solid	ADJ
fsr-3485	178	31	measurement	measurement	NOUN
fsr-3485	178	32	of	of	ADP
fsr-3485	178	33	financial	financial	ADJ
fsr-3485	178	34	well	well	NOUN
fsr-3485	178	35	-	-	PUNCT
fsr-3485	178	36	being	being	NOUN
fsr-3485	178	37	.	.	PUNCT
fsr-3485	179	1	however	however	ADV
fsr-3485	179	2	,	,	PUNCT
fsr-3485	179	3	the	the	DET
fsr-3485	179	4	use	use	NOUN
fsr-3485	179	5	of	of	ADP
fsr-3485	179	6	a	a	DET
fsr-3485	179	7	longitudinal	longitudinal	ADJ
fsr-3485	179	8	dataset	dataset	NOUN
fsr-3485	179	9	allows	allow	VERB
fsr-3485	179	10	researchers	researcher	NOUN
fsr-3485	179	11	to	to	PART
fsr-3485	179	12	account	account	VERB
fsr-3485	179	13	for	for	ADP
fsr-3485	179	14	some	some	DET
fsr-3485	179	15	methodological	methodological	ADJ
fsr-3485	179	16	concerns	concern	NOUN
fsr-3485	179	17	.	.	PUNCT
fsr-3485	180	1	in	in	ADP
fsr-3485	180	2	addition	addition	NOUN
fsr-3485	180	3	,	,	PUNCT
fsr-3485	180	4	heckman	heckman	PROPN
fsr-3485	180	5	,	,	PUNCT
fsr-3485	180	6	seay	seay	PROPN
fsr-3485	180	7	,	,	PUNCT
fsr-3485	180	8	kim	kim	PROPN
fsr-3485	180	9	,	,	PUNCT
fsr-3485	180	10	and	and	CCONJ
fsr-3485	180	11	letkiewicz	letkiewicz	PROPN
fsr-3485	180	12	(	(	PUNCT
fsr-3485	180	13	2016	2016	NUM
fsr-3485	180	14	)	)	PUNCT
fsr-3485	180	15	discussed	discuss	VERB
fsr-3485	180	16	a	a	DET
fsr-3485	180	17	significant	significant	ADJ
fsr-3485	180	18	concern	concern	NOUN
fsr-3485	180	19	about	about	ADP
fsr-3485	180	20	the	the	DET
fsr-3485	180	21	content	content	NOUN
fsr-3485	180	22	validity	validity	NOUN
fsr-3485	180	23	of	of	ADP
fsr-3485	180	24	financial	financial	ADJ
fsr-3485	180	25	planner	planner	NOUN
fsr-3485	180	26	measurement	measurement	NOUN
fsr-3485	180	27	among	among	ADP
fsr-3485	180	28	publicly	publicly	ADV
fsr-3485	180	29	available	available	ADJ
fsr-3485	180	30	u.s	u.s	PROPN
fsr-3485	180	31	.	.	PROPN
fsr-3485	180	32	household	household	NOUN
fsr-3485	180	33	datasets	dataset	NOUN
fsr-3485	180	34	.	.	PUNCT
fsr-3485	181	1	given	give	VERB
fsr-3485	181	2	the	the	DET
fsr-3485	181	3	nfwbs	nfwb	VERB
fsr-3485	181	4	dataset	dataset	PROPN
fsr-3485	181	5	’s	’s	PART
fsr-3485	181	6	limitation	limitation	NOUN
fsr-3485	181	7	,	,	PUNCT
fsr-3485	181	8	financial	financial	ADJ
fsr-3485	181	9	professional	professional	ADJ
fsr-3485	181	10	use	use	NOUN
fsr-3485	181	11	is	be	AUX
fsr-3485	181	12	defined	define	VERB
fsr-3485	181	13	broadly	broadly	ADV
fsr-3485	181	14	incorporating	incorporate	VERB
fsr-3485	181	15	financial	financial	ADJ
fsr-3485	181	16	advisors	advisor	NOUN
fsr-3485	181	17	,	,	PUNCT
fsr-3485	181	18	planners	planner	NOUN
fsr-3485	181	19	,	,	PUNCT
fsr-3485	181	20	counselors	counselor	NOUN
fsr-3485	181	21	,	,	PUNCT
fsr-3485	181	22	or	or	CCONJ
fsr-3485	181	23	coaches	coach	NOUN
fsr-3485	181	24	.	.	PUNCT
fsr-3485	182	1	there	there	PRON
fsr-3485	182	2	may	may	AUX
fsr-3485	182	3	be	be	AUX
fsr-3485	182	4	different	different	ADJ
fsr-3485	182	5	levels	level	NOUN
fsr-3485	182	6	of	of	ADP
fsr-3485	182	7	interaction	interaction	NOUN
fsr-3485	182	8	within	within	ADP
fsr-3485	182	9	each	each	DET
fsr-3485	182	10	category	category	NOUN
fsr-3485	182	11	with	with	ADP
fsr-3485	182	12	clients	client	NOUN
fsr-3485	182	13	,	,	PUNCT
fsr-3485	182	14	ranging	range	VERB
fsr-3485	182	15	from	from	ADP
fsr-3485	182	16	biannual	biannual	ADJ
fsr-3485	182	17	meetings	meeting	NOUN
fsr-3485	182	18	over	over	ADP
fsr-3485	182	19	a	a	DET
fsr-3485	182	20	lifetime	lifetime	NOUN
fsr-3485	182	21	for	for	ADP
fsr-3485	182	22	a	a	DET
fsr-3485	182	23	comprehensive	comprehensive	ADJ
fsr-3485	182	24	financial	financial	ADJ
fsr-3485	182	25	planner	planner	NOUN
fsr-3485	182	26	to	to	ADP
fsr-3485	182	27	a	a	DET
fsr-3485	182	28	few	few	ADJ
fsr-3485	182	29	meetings	meeting	NOUN
fsr-3485	182	30	in	in	ADP
fsr-3485	182	31	a	a	DET
fsr-3485	182	32	single	single	ADJ
fsr-3485	182	33	month	month	NOUN
fsr-3485	182	34	to	to	PART
fsr-3485	182	35	cover	cover	VERB
fsr-3485	182	36	an	an	DET
fsr-3485	182	37	emergency	emergency	NOUN
fsr-3485	182	38	situation	situation	NOUN
fsr-3485	182	39	with	with	ADP
fsr-3485	182	40	a	a	DET
fsr-3485	182	41	financial	financial	ADJ
fsr-3485	182	42	counselor	counselor	NOUN
fsr-3485	182	43	.	.	PUNCT
fsr-3485	183	1	self	self	NOUN
fsr-3485	183	2	-	-	PUNCT
fsr-3485	183	3	selection	selection	NOUN
fsr-3485	183	4	bias	bias	NOUN
fsr-3485	183	5	may	may	AUX
fsr-3485	183	6	also	also	ADV
fsr-3485	183	7	exist	exist	VERB
fsr-3485	183	8	as	as	SCONJ
fsr-3485	183	9	clients	client	NOUN
fsr-3485	183	10	seeking	seek	VERB
fsr-3485	183	11	professional	professional	ADJ
fsr-3485	183	12	financial	financial	ADJ
fsr-3485	183	13	advice	advice	NOUN
fsr-3485	183	14	might	might	AUX
fsr-3485	183	15	be	be	AUX
fsr-3485	183	16	more	more	ADV
fsr-3485	183	17	likely	likely	ADJ
fsr-3485	183	18	to	to	PART
fsr-3485	183	19	be	be	AUX
fsr-3485	183	20	in	in	ADP
fsr-3485	183	21	good	good	ADJ
fsr-3485	183	22	financial	financial	ADJ
fsr-3485	183	23	situations	situation	NOUN
fsr-3485	183	24	and	and	CCONJ
fsr-3485	183	25	potentially	potentially	ADV
fsr-3485	183	26	possess	possess	VERB
fsr-3485	183	27	greater	great	ADJ
fsr-3485	183	28	knowledge	knowledge	NOUN
fsr-3485	183	29	than	than	ADP
fsr-3485	183	30	those	those	PRON
fsr-3485	183	31	that	that	PRON
fsr-3485	183	32	do	do	AUX
fsr-3485	183	33	not	not	PART
fsr-3485	183	34	seek	seek	VERB
fsr-3485	183	35	professional	professional	ADJ
fsr-3485	183	36	financial	financial	ADJ
fsr-3485	183	37	advice	advice	NOUN
fsr-3485	183	38	.	.	PUNCT
fsr-3485	184	1	the	the	DET
fsr-3485	184	2	positive	positive	ADJ
fsr-3485	184	3	association	association	NOUN
fsr-3485	184	4	between	between	ADP
fsr-3485	184	5	financial	financial	ADJ
fsr-3485	184	6	professionals	professional	NOUN
fsr-3485	184	7	and	and	CCONJ
fsr-3485	184	8	financial	financial	ADJ
fsr-3485	184	9	well	well	ADV
fsr-3485	184	10	-	-	PUNCT
fsr-3485	184	11	being	being	NOUN
fsr-3485	184	12	supports	support	VERB
fsr-3485	184	13	the	the	DET
fsr-3485	184	14	cfp	cfp	PROPN
fsr-3485	184	15	board	board	PROPN
fsr-3485	184	16	’s	’s	PART
fsr-3485	184	17	public	public	ADJ
fsr-3485	184	18	awareness	awareness	NOUN
fsr-3485	184	19	campaign	campaign	NOUN
fsr-3485	184	20	and	and	CCONJ
fsr-3485	184	21	financial	financial	ADJ
fsr-3485	184	22	institutions	institution	NOUN
fsr-3485	184	23	’	'	PUNCT
fsr-3485	184	24	increased	increase	VERB
fsr-3485	184	25	offerings	offering	NOUN
fsr-3485	184	26	of	of	ADP
fsr-3485	184	27	robo	robo	NOUN
fsr-3485	184	28	advisors	advisor	NOUN
fsr-3485	184	29	(	(	PUNCT
fsr-3485	184	30	fisch	fisch	PROPN
fsr-3485	184	31	,	,	PUNCT
fsr-3485	184	32	laboure	laboure	NOUN
fsr-3485	184	33	,	,	PUNCT
fsr-3485	184	34	&	&	CCONJ
fsr-3485	184	35	turner	turner	PROPN
fsr-3485	184	36	,	,	PUNCT
fsr-3485	184	37	2017	2017	NUM
fsr-3485	184	38	)	)	PUNCT
fsr-3485	184	39	.	.	PUNCT
fsr-3485	185	1	robo	robo	NOUN
fsr-3485	185	2	advisors	advisor	NOUN
fsr-3485	185	3	are	be	AUX
fsr-3485	185	4	more	more	ADV
fsr-3485	185	5	popular	popular	ADJ
fsr-3485	185	6	with	with	ADP
fsr-3485	185	7	millennials	millennial	NOUN
fsr-3485	185	8	than	than	ADP
fsr-3485	185	9	the	the	DET
fsr-3485	185	10	boomers	boomer	NOUN
fsr-3485	185	11	and	and	CCONJ
fsr-3485	185	12	more	more	ADJ
fsr-3485	185	13	people	people	NOUN
fsr-3485	185	14	now	now	ADV
fsr-3485	185	15	have	have	AUX
fsr-3485	185	16	access	access	NOUN
fsr-3485	185	17	to	to	ADP
fsr-3485	185	18	some	some	DET
fsr-3485	185	19	sort	sort	NOUN
fsr-3485	185	20	of	of	ADP
fsr-3485	185	21	financial	financial	ADJ
fsr-3485	185	22	planning	planning	NOUN
fsr-3485	185	23	(	(	PUNCT
fsr-3485	185	24	cutler	cutler	NOUN
fsr-3485	185	25	,	,	PUNCT
fsr-3485	185	26	2015	2015	NUM
fsr-3485	185	27	)	)	PUNCT
fsr-3485	185	28	.	.	PUNCT
fsr-3485	186	1	however	however	ADV
fsr-3485	186	2	,	,	PUNCT
fsr-3485	186	3	a	a	DET
fsr-3485	186	4	weakness	weakness	NOUN
fsr-3485	186	5	of	of	ADP
fsr-3485	186	6	the	the	DET
fsr-3485	186	7	robo	robo	NOUN
fsr-3485	186	8	advisor	advisor	NOUN
fsr-3485	186	9	is	be	AUX
fsr-3485	186	10	that	that	SCONJ
fsr-3485	186	11	it	it	PRON
fsr-3485	186	12	does	do	AUX
fsr-3485	186	13	not	not	PART
fsr-3485	186	14	educate	educate	VERB
fsr-3485	186	15	the	the	DET
fsr-3485	186	16	users	user	NOUN
fsr-3485	186	17	on	on	ADP
fsr-3485	186	18	financial	financial	ADJ
fsr-3485	186	19	planning	planning	NOUN
fsr-3485	186	20	topics	topic	NOUN
fsr-3485	186	21	and	and	CCONJ
fsr-3485	186	22	that	that	PRON
fsr-3485	186	23	goes	go	VERB
fsr-3485	186	24	hand	hand	NOUN
fsr-3485	186	25	-	-	PUNCT
fsr-3485	186	26	in	in	ADP
fsr-3485	186	27	-	-	PUNCT
fsr-3485	186	28	hand	hand	NOUN
fsr-3485	186	29	with	with	ADP
fsr-3485	186	30	the	the	DET
fsr-3485	186	31	fact	fact	NOUN
fsr-3485	186	32	that	that	SCONJ
fsr-3485	186	33	the	the	DET
fsr-3485	186	34	robo	robo	NOUN
fsr-3485	186	35	advice	advice	NOUN
fsr-3485	186	36	is	be	AUX
fsr-3485	186	37	only	only	ADV
fsr-3485	186	38	as	as	ADV
fsr-3485	186	39	good	good	ADJ
fsr-3485	186	40	as	as	ADP
fsr-3485	186	41	the	the	DET
fsr-3485	186	42	information	information	NOUN
fsr-3485	186	43	the	the	DET
fsr-3485	186	44	user	user	NOUN
fsr-3485	186	45	supplies	supply	NOUN
fsr-3485	186	46	(	(	PUNCT
fsr-3485	186	47	wharton	wharton	PROPN
fsr-3485	186	48	,	,	PUNCT
fsr-3485	186	49	2018	2018	NUM
fsr-3485	186	50	)	)	PUNCT
fsr-3485	186	51	.	.	PUNCT
fsr-3485	187	1	future	future	ADJ
fsr-3485	187	2	research	research	NOUN
fsr-3485	187	3	could	could	AUX
fsr-3485	187	4	examine	examine	VERB
fsr-3485	187	5	the	the	DET
fsr-3485	187	6	outcomes	outcome	NOUN
fsr-3485	187	7	of	of	ADP
fsr-3485	187	8	clients	client	NOUN
fsr-3485	187	9	that	that	PRON
fsr-3485	187	10	use	use	VERB
fsr-3485	187	11	a	a	DET
fsr-3485	187	12	robo	robo	NOUN
fsr-3485	187	13	-	-	PUNCT
fsr-3485	187	14	advisor	advisor	NOUN
fsr-3485	187	15	compared	compare	VERB
fsr-3485	187	16	with	with	ADP
fsr-3485	187	17	clients	client	NOUN
fsr-3485	187	18	that	that	PRON
fsr-3485	187	19	use	use	VERB
fsr-3485	187	20	a	a	DET
fsr-3485	187	21	financial	financial	ADJ
fsr-3485	187	22	professional	professional	NOUN
fsr-3485	187	23	.	.	PUNCT
fsr-3485	188	1	future	future	ADJ
fsr-3485	188	2	studies	study	NOUN
fsr-3485	188	3	should	should	AUX
fsr-3485	188	4	use	use	VERB
fsr-3485	188	5	a	a	DET
fsr-3485	188	6	well	well	ADV
fsr-3485	188	7	-	-	PUNCT
fsr-3485	188	8	developed	develop	VERB
fsr-3485	188	9	scale	scale	NOUN
fsr-3485	188	10	of	of	ADP
fsr-3485	188	11	financial	financial	ADJ
fsr-3485	188	12	professional	professional	ADJ
fsr-3485	188	13	use	use	NOUN
fsr-3485	188	14	that	that	PRON
fsr-3485	188	15	may	may	AUX
fsr-3485	188	16	capture	capture	VERB
fsr-3485	188	17	the	the	DET
fsr-3485	188	18	various	various	ADJ
fsr-3485	188	19	aspects	aspect	NOUN
fsr-3485	188	20	of	of	ADP
fsr-3485	188	21	financial	financial	ADJ
fsr-3485	188	22	advisory	advisory	ADJ
fsr-3485	188	23	services	service	NOUN
fsr-3485	188	24	to	to	PART
fsr-3485	188	25	meet	meet	VERB
fsr-3485	188	26	the	the	DET
fsr-3485	188	27	validity	validity	NOUN
fsr-3485	188	28	requirement	requirement	NOUN
fsr-3485	188	29	as	as	ADV
fsr-3485	188	30	well	well	ADV
fsr-3485	188	31	as	as	ADP
fsr-3485	188	32	capture	capture	VERB
fsr-3485	188	33	specific	specific	ADJ
fsr-3485	188	34	aspects	aspect	NOUN
fsr-3485	188	35	of	of	ADP
fsr-3485	188	36	comprehensive	comprehensive	ADJ
fsr-3485	188	37	financial	financial	ADJ
fsr-3485	188	38	planning	planning	NOUN
fsr-3485	188	39	services	service	NOUN
fsr-3485	188	40	.	.	PUNCT
fsr-3485	189	1	in	in	ADP
fsr-3485	189	2	addition	addition	NOUN
fsr-3485	189	3	,	,	PUNCT
fsr-3485	189	4	the	the	DET
fsr-3485	189	5	potential	potential	ADJ
fsr-3485	189	6	differences	difference	NOUN
fsr-3485	189	7	in	in	ADP
fsr-3485	189	8	financial	financial	ADJ
fsr-3485	189	9	well	well	NOUN
fsr-3485	189	10	-	-	PUNCT
fsr-3485	189	11	being	being	NOUN
fsr-3485	189	12	of	of	ADP
fsr-3485	189	13	different	different	ADJ
fsr-3485	189	14	cohorts	cohort	NOUN
fsr-3485	189	15	using	use	VERB
fsr-3485	189	16	different	different	ADJ
fsr-3485	189	17	types	type	NOUN
fsr-3485	189	18	of	of	ADP
fsr-3485	189	19	financial	financial	ADJ
fsr-3485	189	20	professionals	professional	NOUN
fsr-3485	189	21	for	for	ADP
fsr-3485	189	22	advice	advice	NOUN
fsr-3485	189	23	could	could	AUX
fsr-3485	189	24	yield	yield	VERB
fsr-3485	189	25	interesting	interesting	ADJ
fsr-3485	189	26	results	result	NOUN
fsr-3485	189	27	.	.	PUNCT
fsr-3485	190	1	future	future	ADJ
fsr-3485	190	2	research	research	NOUN
fsr-3485	190	3	should	should	AUX
fsr-3485	190	4	also	also	ADV
fsr-3485	190	5	examine	examine	VERB
fsr-3485	190	6	clients	client	NOUN
fsr-3485	190	7	’	’	PART
fsr-3485	190	8	financial	financial	ADJ
fsr-3485	190	9	well	well	ADV
fsr-3485	190	10	-	-	PUNCT
fsr-3485	190	11	being	being	NOUN
fsr-3485	190	12	before	before	ADV
fsr-3485	190	13	and	and	CCONJ
fsr-3485	190	14	after	after	ADP
fsr-3485	190	15	engagement	engagement	NOUN
fsr-3485	190	16	of	of	ADP
fsr-3485	190	17	a	a	DET
fsr-3485	190	18	financial	financial	ADJ
fsr-3485	190	19	professional	professional	NOUN
fsr-3485	190	20	to	to	PART
fsr-3485	190	21	potentially	potentially	ADV
fsr-3485	190	22	speak	speak	VERB
fsr-3485	190	23	to	to	ADP
fsr-3485	190	24	causation	causation	NOUN
fsr-3485	190	25	and	and	CCONJ
fsr-3485	190	26	impact	impact	NOUN
fsr-3485	190	27	.	.	PUNCT
fsr-3485	191	1	note	note	VERB
fsr-3485	191	2	1	1	NUM
fsr-3485	191	3	we	we	PRON
fsr-3485	191	4	conducted	conduct	VERB
fsr-3485	191	5	similar	similar	ADJ
fsr-3485	191	6	t	t	NOUN
fsr-3485	191	7	-	-	PUNCT
fsr-3485	191	8	tests	test	NOUN
fsr-3485	191	9	as	as	ADP
fsr-3485	191	10	a	a	DET
fsr-3485	191	11	reference	reference	NOUN
fsr-3485	191	12	group	group	NOUN
fsr-3485	191	13	of	of	ADP
fsr-3485	191	14	no	no	DET
fsr-3485	191	15	advice	advice	NOUN
fsr-3485	191	16	.	.	PUNCT
fsr-3485	192	1	five	five	NUM
fsr-3485	192	2	pair	pair	NOUN
fsr-3485	192	3	-	-	PUNCT
fsr-3485	192	4	wise	wise	ADJ
fsr-3485	192	5	comparisons	comparison	NOUN
fsr-3485	192	6	are	be	AUX
fsr-3485	192	7	found	find	VERB
fsr-3485	192	8	to	to	PART
fsr-3485	192	9	be	be	AUX
fsr-3485	192	10	significant	significant	ADJ
fsr-3485	192	11	except	except	SCONJ
fsr-3485	192	12	for	for	ADP
fsr-3485	192	13	the	the	DET
fsr-3485	192	14	pair	pair	NOUN
fsr-3485	192	15	of	of	ADP
fsr-3485	192	16	community	community	NOUN
fsr-3485	192	17	—	—	PUNCT
fsr-3485	192	18	no	no	DET
fsr-3485	192	19	advice	advice	NOUN
fsr-3485	192	20	.	.	PUNCT
fsr-3485	193	1	200	200	NUM
fsr-3485	193	2	r.	r.	PROPN
fsr-3485	193	3	stebbins	stebbins	PROPN
fsr-3485	193	4	et	et	PROPN
fsr-3485	193	5	al	al	PROPN
fsr-3485	193	6	.	.	PUNCT
fsr-3485	193	7	/	/	SYM
fsr-3485	193	8	financial	financial	ADJ
fsr-3485	193	9	services	service	NOUN
fsr-3485	193	10	review	review	VERB
fsr-3485	193	11	30	30	NUM
fsr-3485	193	12	(	(	PUNCT
fsr-3485	193	13	2022	2022	NUM
fsr-3485	193	14	)	)	PUNCT
fsr-3485	194	1	191–204	191–204	NUM
fsr-3485	194	2	appendix	appendix	NOUN
fsr-3485	194	3	table	table	NOUN
fsr-3485	194	4	a1	a1	NOUN
fsr-3485	194	5	descriptive	descriptive	ADJ
fsr-3485	194	6	statistics	statistic	NOUN
fsr-3485	194	7	of	of	ADP
fsr-3485	194	8	sample	sample	NOUN
fsr-3485	194	9	characteristics	characteristic	NOUN
fsr-3485	194	10	,	,	PUNCT
fsr-3485	194	11	2016	2016	NUM
fsr-3485	194	12	nfwbs	nfwb	VERB
fsr-3485	194	13	variables	variable	NOUN
fsr-3485	194	14	percentage	percentage	NOUN
fsr-3485	194	15	mean	mean	NOUN
fsr-3485	194	16	(	(	PUNCT
fsr-3485	194	17	median	median	ADJ
fsr-3485	194	18	)	)	PUNCT
fsr-3485	194	19	financial	financial	ADJ
fsr-3485	194	20	well	well	ADV
fsr-3485	194	21	-	-	PUNCT
fsr-3485	194	22	being	being	NOUN
fsr-3485	194	23	scale	scale	NOUN
fsr-3485	194	24	52.30	52.30	NUM
fsr-3485	194	25	(	(	PUNCT
fsr-3485	194	26	54.00	54.00	NUM
fsr-3485	194	27	)	)	PUNCT
fsr-3485	194	28	source	source	NOUN
fsr-3485	194	29	of	of	ADP
fsr-3485	194	30	advice	advice	NOUN
fsr-3485	194	31	financial	financial	ADJ
fsr-3485	194	32	professional	professional	ADJ
fsr-3485	194	33	21.8	21.8	NUM
fsr-3485	194	34	%	%	NOUN
fsr-3485	194	35	family	family	NOUN
fsr-3485	194	36	62.6	62.6	NUM
fsr-3485	194	37	%	%	NOUN
fsr-3485	194	38	employer	employer	NOUN
fsr-3485	194	39	26.8	26.8	NUM
fsr-3485	194	40	%	%	NOUN
fsr-3485	194	41	community	community	NOUN
fsr-3485	194	42	3.6	3.6	NUM
fsr-3485	194	43	%	%	NOUN
fsr-3485	194	44	financial	financial	ADJ
fsr-3485	194	45	institution	institution	NOUN
fsr-3485	194	46	18.2	18.2	NUM
fsr-3485	194	47	%	%	NOUN
fsr-3485	194	48	government	government	NOUN
fsr-3485	194	49	3.3	3.3	NUM
fsr-3485	194	50	%	%	NOUN
fsr-3485	194	51	no	no	DET
fsr-3485	194	52	advice	advice	NOUN
fsr-3485	194	53	18.9	18.9	NUM
fsr-3485	194	54	%	%	NOUN
fsr-3485	194	55	mean	mean	NOUN
fsr-3485	194	56	(	(	PUNCT
fsr-3485	194	57	median	median	ADJ
fsr-3485	194	58	)	)	PUNCT
fsr-3485	194	59	financial	financial	ADJ
fsr-3485	194	60	knowledge	knowledge	NOUN
fsr-3485	194	61	score	score	NOUN
fsr-3485	194	62	2.44	2.44	NUM
fsr-3485	194	63	(	(	PUNCT
fsr-3485	194	64	3.00	3.00	NUM
fsr-3485	194	65	)	)	PUNCT
fsr-3485	194	66	mean	mean	NOUN
fsr-3485	194	67	(	(	PUNCT
fsr-3485	194	68	median	median	ADJ
fsr-3485	194	69	)	)	PUNCT
fsr-3485	194	70	financial	financial	ADJ
fsr-3485	194	71	skills	skill	NOUN
fsr-3485	194	72	score	score	VERB
fsr-3485	194	73	49.89	49.89	NUM
fsr-3485	194	74	(	(	PUNCT
fsr-3485	194	75	49.00	49.00	NUM
fsr-3485	194	76	)	)	PUNCT
fsr-3485	194	77	age	age	NOUN
fsr-3485	194	78	of	of	ADP
fsr-3485	194	79	respondent	respondent	NOUN
fsr-3485	194	80	age	age	NOUN
fsr-3485	194	81	18–24	18–24	NUM
fsr-3485	194	82	9.67	9.67	NUM
fsr-3485	194	83	age	age	NOUN
fsr-3485	194	84	25–34	25–34	NUM
fsr-3485	194	85	21.13	21.13	NUM
fsr-3485	194	86	age	age	NOUN
fsr-3485	194	87	35–44	35–44	NUM
fsr-3485	194	88	14.07	14.07	NUM
fsr-3485	194	89	age	age	NOUN
fsr-3485	194	90	45–54	45–54	NUM
fsr-3485	194	91	18.93	18.93	NUM
fsr-3485	194	92	age	age	NOUN
fsr-3485	194	93	55–61	55–61	NUM
fsr-3485	194	94	11.92	11.92	NUM
fsr-3485	194	95	age	age	NOUN
fsr-3485	194	96	62–69	62–69	NUM
fsr-3485	194	97	10.83	10.83	NUM
fsr-3485	194	98	age	age	NOUN
fsr-3485	194	99	70–74	70–74	NUM
fsr-3485	194	100	5.35	5.35	NUM
fsr-3485	194	101	age	age	NOUN
fsr-3485	194	102	75	75	NUM
fsr-3485	194	103	or	or	CCONJ
fsr-3485	194	104	older	old	ADJ
fsr-3485	194	105	8.10	8.10	NUM
fsr-3485	194	106	gender	gender	NOUN
fsr-3485	194	107	male	male	NOUN
fsr-3485	194	108	48.43	48.43	NUM
fsr-3485	194	109	female	female	ADJ
fsr-3485	194	110	51.57	51.57	NUM
fsr-3485	194	111	marital	marital	ADJ
fsr-3485	194	112	status	status	NOUN
fsr-3485	194	113	married	marry	VERB
fsr-3485	194	114	55.39	55.39	NUM
fsr-3485	194	115	partner	partner	NOUN
fsr-3485	194	116	6.71	6.71	NUM
fsr-3485	194	117	single	single	ADJ
fsr-3485	194	118	(	(	PUNCT
fsr-3485	194	119	never	never	ADV
fsr-3485	194	120	married	married	ADJ
fsr-3485	194	121	)	)	PUNCT
fsr-3485	194	122	22.24	22.24	NUM
fsr-3485	194	123	separated	separate	VERB
fsr-3485	194	124	/	/	SYM
fsr-3485	194	125	divorced	divorce	VERB
fsr-3485	194	126	/	/	PUNCT
fsr-3485	194	127	widowed	widow	VERB
fsr-3485	194	128	15.66	15.66	NUM
fsr-3485	194	129	race	race	NOUN
fsr-3485	194	130	/	/	SYM
fsr-3485	194	131	ethnicity	ethnicity	NOUN
fsr-3485	194	132	white	white	ADJ
fsr-3485	194	133	64.89	64.89	NUM
fsr-3485	194	134	black	black	ADJ
fsr-3485	194	135	11.65	11.65	NUM
fsr-3485	194	136	hispanic	hispanic	NOUN
fsr-3485	194	137	15.45	15.45	NUM
fsr-3485	194	138	others	other	NOUN
fsr-3485	194	139	8.02	8.02	NUM
fsr-3485	194	140	employment	employment	NOUN
fsr-3485	194	141	status	status	NOUN
fsr-3485	194	142	salaried	salary	VERB
fsr-3485	194	143	workers	worker	NOUN
fsr-3485	194	144	50.41	50.41	NUM
fsr-3485	194	145	self	self	NOUN
fsr-3485	194	146	-	-	PUNCT
fsr-3485	194	147	employed	employ	VERB
fsr-3485	194	148	6.94	6.94	NUM
fsr-3485	194	149	homemaker	homemaker	NOUN
fsr-3485	194	150	6.78	6.78	NUM
fsr-3485	194	151	student	student	NOUN
fsr-3485	194	152	5.05	5.05	NUM
fsr-3485	194	153	disabled	disabled	ADJ
fsr-3485	194	154	9.91	9.91	NUM
fsr-3485	194	155	retired	retire	VERB
fsr-3485	194	156	20.90	20.90	NUM
fsr-3485	194	157	education	education	NOUN
fsr-3485	194	158	less	less	ADJ
fsr-3485	194	159	than	than	ADP
fsr-3485	194	160	high	high	ADJ
fsr-3485	194	161	school	school	NOUN
fsr-3485	194	162	4.77	4.77	NUM
fsr-3485	194	163	high	high	ADJ
fsr-3485	194	164	school	school	NOUN
fsr-3485	194	165	20.72	20.72	NUM
fsr-3485	194	166	some	some	DET
fsr-3485	194	167	college	college	NOUN
fsr-3485	194	168	28.45	28.45	NUM
fsr-3485	194	169	bachelor	bachelor	NOUN
fsr-3485	194	170	’s	’s	PART
fsr-3485	194	171	degree	degree	NOUN
fsr-3485	194	172	24.26	24.26	NUM
fsr-3485	194	173	post	post	ADJ
fsr-3485	194	174	-	-	ADJ
fsr-3485	194	175	bachelor	bachelor	ADJ
fsr-3485	194	176	’s	’s	NOUN
fsr-3485	194	177	degree	degree	NOUN
fsr-3485	194	178	21.81	21.81	NUM
fsr-3485	194	179	(	(	PUNCT
fsr-3485	194	180	continued	continue	VERB
fsr-3485	194	181	on	on	ADP
fsr-3485	194	182	next	next	ADJ
fsr-3485	194	183	page	page	NOUN
fsr-3485	194	184	)	)	PUNCT
fsr-3485	194	185	r.	r.	PROPN
fsr-3485	194	186	stebbins	stebbins	PROPN
fsr-3485	194	187	et	et	PROPN
fsr-3485	194	188	al	al	PROPN
fsr-3485	194	189	.	.	PUNCT
fsr-3485	194	190	/	/	SYM
fsr-3485	194	191	financial	financial	ADJ
fsr-3485	194	192	services	service	NOUN
fsr-3485	194	193	review	review	VERB
fsr-3485	194	194	30	30	NUM
fsr-3485	194	195	(	(	PUNCT
fsr-3485	194	196	2022	2022	NUM
fsr-3485	194	197	)	)	PUNCT
fsr-3485	194	198	191–204	191–204	NUM
fsr-3485	194	199	201	201	NUM
fsr-3485	194	200	references	reference	NOUN
fsr-3485	194	201	archuleta	archuleta	PROPN
fsr-3485	194	202	,	,	PUNCT
fsr-3485	194	203	k.	k.	PROPN
fsr-3485	194	204	l.	l.	PROPN
fsr-3485	194	205	,	,	PUNCT
fsr-3485	194	206	dale	dale	PROPN
fsr-3485	194	207	,	,	PUNCT
fsr-3485	194	208	a.	a.	NOUN
fsr-3485	194	209	,	,	PUNCT
fsr-3485	194	210	&	&	CCONJ
fsr-3485	194	211	spann	spann	PROPN
fsr-3485	194	212	,	,	PUNCT
fsr-3485	194	213	s.	s.	PROPN
fsr-3485	194	214	m.	m.	PROPN
fsr-3485	194	215	(	(	PUNCT
fsr-3485	194	216	2013	2013	NUM
fsr-3485	194	217	)	)	PUNCT
fsr-3485	194	218	.	.	PUNCT
fsr-3485	195	1	college	college	NOUN
fsr-3485	195	2	students	student	NOUN
fsr-3485	195	3	and	and	CCONJ
fsr-3485	195	4	financial	financial	ADJ
fsr-3485	195	5	distress	distress	NOUN
fsr-3485	195	6	:	:	PUNCT
fsr-3485	195	7	exploring	explore	VERB
fsr-3485	195	8	debt	debt	NOUN
fsr-3485	195	9	,	,	PUNCT
fsr-3485	195	10	financial	financial	ADJ
fsr-3485	195	11	satisfaction	satisfaction	NOUN
fsr-3485	195	12	,	,	PUNCT
fsr-3485	195	13	and	and	CCONJ
fsr-3485	195	14	financial	financial	ADJ
fsr-3485	195	15	anxiety	anxiety	NOUN
fsr-3485	195	16	.	.	PUNCT
fsr-3485	196	1	journal	journal	NOUN
fsr-3485	196	2	of	of	ADP
fsr-3485	196	3	financial	financial	ADJ
fsr-3485	196	4	counseling	counseling	NOUN
fsr-3485	196	5	and	and	CCONJ
fsr-3485	196	6	planning	planning	NOUN
fsr-3485	196	7	,	,	PUNCT
fsr-3485	196	8	24	24	NUM
fsr-3485	196	9	,	,	PUNCT
fsr-3485	196	10	50–62	50–62	NUM
fsr-3485	196	11	.	.	PUNCT
fsr-3485	197	1	britt	britt	PROPN
fsr-3485	197	2	,	,	PUNCT
fsr-3485	197	3	s.	s.	PROPN
fsr-3485	197	4	l.	l.	PROPN
fsr-3485	197	5	,	,	PUNCT
fsr-3485	197	6	grable	grable	PROPN
fsr-3485	197	7	,	,	PUNCT
fsr-3485	197	8	j.	j.	PROPN
fsr-3485	197	9	e.	e.	PROPN
fsr-3485	197	10	,	,	PUNCT
fsr-3485	197	11	cumbie	cumbie	PROPN
fsr-3485	197	12	,	,	PUNCT
fsr-3485	197	13	j.	j.	PROPN
fsr-3485	197	14	,	,	PUNCT
fsr-3485	197	15	cupples	cupple	NOUN
fsr-3485	197	16	,	,	PUNCT
fsr-3485	197	17	s.	s.	PROPN
fsr-3485	197	18	,	,	PUNCT
fsr-3485	197	19	henegar	henegar	PROPN
fsr-3485	197	20	,	,	PUNCT
fsr-3485	197	21	j.	j.	PROPN
fsr-3485	197	22	,	,	PUNCT
fsr-3485	197	23	schindler	schindler	PROPN
fsr-3485	197	24	,	,	PUNCT
fsr-3485	197	25	k.	k.	PROPN
fsr-3485	197	26	,	,	PUNCT
fsr-3485	197	27	&	&	CCONJ
fsr-3485	197	28	archuleta	archuleta	PROPN
fsr-3485	197	29	,	,	PUNCT
fsr-3485	197	30	k.	k.	PROPN
fsr-3485	197	31	(	(	PUNCT
fsr-3485	197	32	2011	2011	NUM
fsr-3485	197	33	)	)	PUNCT
fsr-3485	197	34	.	.	PUNCT
fsr-3485	198	1	student	student	NOUN
fsr-3485	198	2	financial	financial	ADJ
fsr-3485	198	3	counseling	counseling	NOUN
fsr-3485	198	4	:	:	PUNCT
fsr-3485	198	5	an	an	DET
fsr-3485	198	6	analysis	analysis	NOUN
fsr-3485	198	7	of	of	ADP
fsr-3485	198	8	clinical	clinical	ADJ
fsr-3485	198	9	and	and	CCONJ
fsr-3485	198	10	non	non	ADJ
fsr-3485	198	11	-	-	ADJ
fsr-3485	198	12	clinical	clinical	ADJ
fsr-3485	198	13	sample	sample	NOUN
fsr-3485	198	14	.	.	PUNCT
fsr-3485	199	1	journal	journal	NOUN
fsr-3485	199	2	of	of	ADP
fsr-3485	199	3	personal	personal	ADJ
fsr-3485	199	4	finance	finance	NOUN
fsr-3485	199	5	,	,	PUNCT
fsr-3485	199	6	10(2	10(2	NUM
fsr-3485	199	7	)	)	PUNCT
fsr-3485	199	8	,	,	PUNCT
fsr-3485	199	9	172–186	172–186	NUM
fsr-3485	199	10	.	.	PUNCT
fsr-3485	200	1	cfp	cfp	PROPN
fsr-3485	200	2	board	board	PROPN
fsr-3485	200	3	.	.	PUNCT
fsr-3485	201	1	(	(	PUNCT
fsr-3485	201	2	2015	2015	NUM
fsr-3485	201	3	)	)	PUNCT
fsr-3485	201	4	.	.	PUNCT
fsr-3485	202	1	2015	2015	NUM
fsr-3485	202	2	annual	annual	ADJ
fsr-3485	202	3	brand	brand	NOUN
fsr-3485	202	4	tracking	tracking	NOUN
fsr-3485	202	5	report	report	NOUN
fsr-3485	202	6	:	:	PUNCT
fsr-3485	202	7	executive	executive	ADJ
fsr-3485	202	8	summary	summary	NOUN
fsr-3485	202	9	.	.	PUNCT
fsr-3485	203	1	available	available	ADJ
fsr-3485	203	2	at	at	ADP
fsr-3485	203	3	https://www.cfp.net/	https://www.cfp.net/	NOUN
fsr-3485	203	4	docs	doc	NOUN
fsr-3485	203	5	/	/	SYM
fsr-3485	203	6	default	default	NOUN
fsr-3485	203	7	-	-	PUNCT
fsr-3485	203	8	source	source	NOUN
fsr-3485	203	9	/	/	SYM
fsr-3485	203	10	news	news	NOUN
fsr-3485	203	11	-	-	PUNCT
fsr-3485	203	12	events–-research	events–-research	NOUN
fsr-3485	203	13	-	-	PUNCT
fsr-3485	203	14	facts	fact	NOUN
fsr-3485	203	15	-	-	PUNCT
fsr-3485	203	16	figures/2015	figures/2015	NOUN
fsr-3485	203	17	-	-	PUNCT
fsr-3485	203	18	brand	brand	NOUN
fsr-3485	203	19	-	-	PUNCT
fsr-3485	203	20	tracking	tracking	NOUN
fsr-3485	203	21	-	-	PUNCT
fsr-3485	203	22	report	report	NOUN
fsr-3485	203	23	-	-	PUNCT
fsr-3485	203	24	executive	executive	ADJ
fsr-3485	203	25	-	-	PUNCT
fsr-3485	203	26	summary.pdf	summary.pdf	PROPN
fsr-3485	203	27	cfp	cfp	PROPN
fsr-3485	203	28	board	board	PROPN
fsr-3485	203	29	.	.	PUNCT
fsr-3485	204	1	(	(	PUNCT
fsr-3485	204	2	2021	2021	NUM
fsr-3485	204	3	)	)	PUNCT
fsr-3485	204	4	.	.	PUNCT
fsr-3485	205	1	increasing	increase	VERB
fsr-3485	205	2	awareness	awareness	NOUN
fsr-3485	205	3	.	.	PUNCT
fsr-3485	206	1	available	available	ADJ
fsr-3485	206	2	at	at	ADP
fsr-3485	206	3	https://www.cfp.net/initiatives/increasing-awareness	https://www.cfp.net/initiatives/increasing-awareness	ADJ
fsr-3485	206	4	table	table	NOUN
fsr-3485	206	5	a1	a1	NOUN
fsr-3485	206	6	(	(	PUNCT
fsr-3485	206	7	continued	continued	ADJ
fsr-3485	206	8	)	)	PUNCT
fsr-3485	206	9	variables	variable	VERB
fsr-3485	206	10	percentage	percentage	NOUN
fsr-3485	206	11	household	household	NOUN
fsr-3485	206	12	income	income	NOUN
fsr-3485	206	13	less	less	ADJ
fsr-3485	206	14	than	than	ADP
fsr-3485	206	15	$	$	SYM
fsr-3485	206	16	20,000	20,000	NUM
fsr-3485	206	17	13.08	13.08	NUM
fsr-3485	206	18	$	$	SYM
fsr-3485	206	19	20,000–$29,999	20,000–$29,999	NUM
fsr-3485	206	20	8.86	8.86	NUM
fsr-3485	206	21	$	$	SYM
fsr-3485	206	22	30,000–$39,999	30,000–$39,999	NUM
fsr-3485	206	23	9.95	9.95	NUM
fsr-3485	206	24	$	$	SYM
fsr-3485	206	25	40,000–$49,999	40,000–$49,999	NOUN
fsr-3485	206	26	6.63	6.63	NUM
fsr-3485	206	27	$	$	SYM
fsr-3485	206	28	50,000–$59,999	50,000–$59,999	NUM
fsr-3485	206	29	7.55	7.55	NUM
fsr-3485	206	30	$	$	SYM
fsr-3485	206	31	60,000–$74,999	60,000–$74,999	NUM
fsr-3485	206	32	9.37	9.37	NUM
fsr-3485	206	33	$	$	SYM
fsr-3485	206	34	75,000–$99,999	75,000–$99,999	NUM
fsr-3485	206	35	13.41	13.41	NUM
fsr-3485	206	36	$	$	SYM
fsr-3485	206	37	100,000–$149,999	100,000–$149,999	NUM
fsr-3485	206	38	15.97	15.97	NUM
fsr-3485	206	39	$	$	SYM
fsr-3485	206	40	150,000	150,000	NUM
fsr-3485	206	41	or	or	CCONJ
fsr-3485	206	42	more	more	ADJ
fsr-3485	206	43	15.18	15.18	NUM
fsr-3485	206	44	census	census	NOUN
fsr-3485	206	45	division	division	NOUN
fsr-3485	206	46	new	new	PROPN
fsr-3485	206	47	england	england	PROPN
fsr-3485	206	48	5.06	5.06	NUM
fsr-3485	206	49	mid	mid	PROPN
fsr-3485	206	50	-	-	PROPN
fsr-3485	206	51	atlantic	atlantic	ADJ
fsr-3485	206	52	12.87	12.87	NUM
fsr-3485	206	53	east	east	PROPN
fsr-3485	206	54	-	-	PUNCT
fsr-3485	206	55	north	north	NOUN
fsr-3485	206	56	central	central	ADJ
fsr-3485	206	57	14.42	14.42	NUM
fsr-3485	206	58	west	west	ADJ
fsr-3485	206	59	-	-	PUNCT
fsr-3485	206	60	north	north	NOUN
fsr-3485	206	61	central	central	ADJ
fsr-3485	206	62	6.59	6.59	NUM
fsr-3485	206	63	south	south	PROPN
fsr-3485	206	64	atlantic	atlantic	PROPN
fsr-3485	206	65	21.16	21.16	NUM
fsr-3485	206	66	east	east	PROPN
fsr-3485	206	67	-	-	PUNCT
fsr-3485	206	68	south	south	PROPN
fsr-3485	206	69	central	central	ADJ
fsr-3485	206	70	5.15	5.15	NUM
fsr-3485	206	71	west	west	ADJ
fsr-3485	206	72	-	-	PUNCT
fsr-3485	206	73	south	south	NOUN
fsr-3485	206	74	central	central	ADJ
fsr-3485	206	75	11.27	11.27	NUM
fsr-3485	206	76	mountain	mountain	NOUN
fsr-3485	206	77	6.91	6.91	NUM
fsr-3485	206	78	pacific	pacific	PROPN
fsr-3485	206	79	16.57	16.57	NUM
fsr-3485	206	80	note	note	NOUN
fsr-3485	206	81	.	.	PUNCT
fsr-3485	207	1	weighted	weight	VERB
fsr-3485	207	2	results	result	NOUN
fsr-3485	207	3	.	.	PUNCT
fsr-3485	208	1	nfwbs	nfwb	VERB
fsr-3485	208	2	=	=	SYM
fsr-3485	208	3	national	national	ADJ
fsr-3485	208	4	financial	financial	ADJ
fsr-3485	208	5	well	well	ADV
fsr-3485	208	6	-	-	PUNCT
fsr-3485	208	7	being	being	NOUN
fsr-3485	208	8	survey	survey	NOUN
fsr-3485	208	9	.	.	PUNCT
fsr-3485	209	1	table	table	NOUN
fsr-3485	209	2	a2	a2	PROPN
fsr-3485	209	3	financial	financial	ADJ
fsr-3485	209	4	well	well	ADV
fsr-3485	209	5	-	-	PUNCT
fsr-3485	209	6	being	be	AUX
fsr-3485	209	7	survey	survey	NOUN
fsr-3485	209	8	questions	question	NOUN
fsr-3485	209	9	,	,	PUNCT
fsr-3485	209	10	2016	2016	NUM
fsr-3485	209	11	nfwbs	nfwb	VERB
fsr-3485	209	12	no	no	INTJ
fsr-3485	209	13	.	.	PUNCT
fsr-3485	210	1	questions	question	NOUN
fsr-3485	210	2	how	how	SCONJ
fsr-3485	210	3	well	well	ADV
fsr-3485	210	4	does	do	AUX
fsr-3485	210	5	this	this	DET
fsr-3485	210	6	statement	statement	NOUN
fsr-3485	210	7	describe	describe	VERB
fsr-3485	210	8	you	you	PRON
fsr-3485	210	9	or	or	CCONJ
fsr-3485	210	10	your	your	PRON
fsr-3485	210	11	situation	situation	NOUN
fsr-3485	210	12	?	?	PUNCT
fsr-3485	211	1	1	1	NUM
fsr-3485	211	2	i	i	PRON
fsr-3485	211	3	could	could	AUX
fsr-3485	211	4	handle	handle	VERB
fsr-3485	211	5	a	a	DET
fsr-3485	211	6	major	major	ADJ
fsr-3485	211	7	unexpected	unexpected	ADJ
fsr-3485	211	8	expense	expense	NOUN
fsr-3485	211	9	2	2	NUM
fsr-3485	211	10	i	i	PRON
fsr-3485	211	11	am	be	AUX
fsr-3485	211	12	securing	secure	VERB
fsr-3485	211	13	my	my	PRON
fsr-3485	211	14	financial	financial	ADJ
fsr-3485	211	15	future	future	NOUN
fsr-3485	211	16	3	3	NUM
fsr-3485	211	17	because	because	SCONJ
fsr-3485	211	18	of	of	ADP
fsr-3485	211	19	my	my	PRON
fsr-3485	211	20	money	money	NOUN
fsr-3485	211	21	situation	situation	NOUN
fsr-3485	211	22	,	,	PUNCT
fsr-3485	211	23	i	i	PRON
fsr-3485	211	24	feel	feel	VERB
fsr-3485	211	25	like	like	SCONJ
fsr-3485	211	26	i	i	PRON
fsr-3485	211	27	will	will	AUX
fsr-3485	211	28	never	never	ADV
fsr-3485	211	29	have	have	VERB
fsr-3485	211	30	the	the	DET
fsr-3485	211	31	things	thing	NOUN
fsr-3485	211	32	i	i	PRON
fsr-3485	211	33	want	want	VERB
fsr-3485	211	34	in	in	ADP
fsr-3485	211	35	life	life	NOUN
fsr-3485	211	36	4	4	NUM
fsr-3485	211	37	i	i	PRON
fsr-3485	211	38	can	can	AUX
fsr-3485	211	39	enjoy	enjoy	VERB
fsr-3485	211	40	life	life	NOUN
fsr-3485	211	41	because	because	SCONJ
fsr-3485	211	42	of	of	ADP
fsr-3485	211	43	the	the	DET
fsr-3485	211	44	way	way	NOUN
fsr-3485	211	45	i	i	PRON
fsr-3485	211	46	’m	’m	AUX
fsr-3485	211	47	managing	manage	VERB
fsr-3485	211	48	my	my	PRON
fsr-3485	211	49	money	money	NOUN
fsr-3485	211	50	5	5	NUM
fsr-3485	211	51	i	i	PRON
fsr-3485	211	52	am	be	AUX
fsr-3485	211	53	just	just	ADV
fsr-3485	211	54	getting	get	VERB
fsr-3485	211	55	by	by	ADP
fsr-3485	211	56	financially	financially	ADV
fsr-3485	211	57	6	6	NUM
fsr-3485	211	58	i	i	PRON
fsr-3485	211	59	am	be	AUX
fsr-3485	211	60	concerned	concerned	ADJ
fsr-3485	211	61	that	that	SCONJ
fsr-3485	211	62	the	the	DET
fsr-3485	211	63	money	money	NOUN
fsr-3485	211	64	i	i	PRON
fsr-3485	211	65	have	have	VERB
fsr-3485	211	66	or	or	CCONJ
fsr-3485	211	67	will	will	AUX
fsr-3485	211	68	save	save	VERB
fsr-3485	211	69	wo	will	AUX
fsr-3485	211	70	n’t	not	PART
fsr-3485	211	71	last	last	VERB
fsr-3485	211	72	how	how	SCONJ
fsr-3485	211	73	often	often	ADV
fsr-3485	211	74	does	do	AUX
fsr-3485	211	75	this	this	DET
fsr-3485	211	76	statement	statement	NOUN
fsr-3485	211	77	apply	apply	VERB
fsr-3485	211	78	to	to	ADP
fsr-3485	211	79	you	you	PRON
fsr-3485	211	80	?	?	PUNCT
fsr-3485	212	1	7	7	NUM
fsr-3485	212	2	giving	give	VERB
fsr-3485	212	3	a	a	DET
fsr-3485	212	4	gift	gift	NOUN
fsr-3485	212	5	for	for	ADP
fsr-3485	212	6	a	a	DET
fsr-3485	212	7	wedding	wedding	NOUN
fsr-3485	212	8	,	,	PUNCT
fsr-3485	212	9	birthday	birthday	NOUN
fsr-3485	212	10	,	,	PUNCT
fsr-3485	212	11	or	or	CCONJ
fsr-3485	212	12	other	other	ADJ
fsr-3485	212	13	occasion	occasion	NOUN
fsr-3485	212	14	would	would	AUX
fsr-3485	212	15	put	put	VERB
fsr-3485	212	16	a	a	DET
fsr-3485	212	17	strain	strain	NOUN
fsr-3485	212	18	on	on	ADP
fsr-3485	212	19	my	my	PRON
fsr-3485	212	20	finances	finance	NOUN
fsr-3485	212	21	for	for	ADP
fsr-3485	212	22	the	the	DET
fsr-3485	212	23	month	month	NOUN
fsr-3485	212	24	8	8	NUM
fsr-3485	212	25	i	i	PRON
fsr-3485	212	26	have	have	VERB
fsr-3485	212	27	money	money	NOUN
fsr-3485	212	28	left	leave	VERB
fsr-3485	212	29	over	over	ADP
fsr-3485	212	30	at	at	ADP
fsr-3485	212	31	the	the	DET
fsr-3485	212	32	end	end	NOUN
fsr-3485	212	33	of	of	ADP
fsr-3485	212	34	the	the	DET
fsr-3485	212	35	month	month	NOUN
fsr-3485	212	36	9	9	NUM
fsr-3485	212	37	i	i	PRON
fsr-3485	212	38	am	be	AUX
fsr-3485	212	39	behind	behind	ADV
fsr-3485	212	40	with	with	ADP
fsr-3485	212	41	my	my	PRON
fsr-3485	212	42	finances	finance	NOUN
fsr-3485	212	43	10	10	NUM
fsr-3485	212	44	my	my	PRON
fsr-3485	212	45	finances	finance	NOUN
fsr-3485	212	46	control	control	VERB
fsr-3485	212	47	my	my	PRON
fsr-3485	212	48	life	life	NOUN
fsr-3485	212	49	note	note	NOUN
fsr-3485	212	50	.	.	PUNCT
fsr-3485	213	1	nfwbs	nfwbs	PROPN
fsr-3485	213	2	=	=	SYM
fsr-3485	213	3	national	national	ADJ
fsr-3485	213	4	financial	financial	ADJ
fsr-3485	213	5	well	well	ADV
fsr-3485	213	6	-	-	PUNCT
fsr-3485	213	7	being	being	NOUN
fsr-3485	213	8	survey	survey	NOUN
fsr-3485	213	9	.	.	PUNCT
fsr-3485	214	1	202	202	NUM
fsr-3485	214	2	r.	r.	PROPN
fsr-3485	214	3	stebbins	stebbins	PROPN
fsr-3485	214	4	et	et	PROPN
fsr-3485	214	5	al	al	PROPN
fsr-3485	214	6	.	.	PUNCT
fsr-3485	214	7	/	/	SYM
fsr-3485	214	8	financial	financial	ADJ
fsr-3485	214	9	services	service	NOUN
fsr-3485	214	10	review	review	VERB
fsr-3485	214	11	30	30	NUM
fsr-3485	214	12	(	(	PUNCT
fsr-3485	214	13	2022	2022	NUM
fsr-3485	214	14	)	)	PUNCT
fsr-3485	215	1	191–204	191–204	NUM
fsr-3485	215	2	consumer	consumer	NOUN
fsr-3485	215	3	financial	financial	ADJ
fsr-3485	215	4	protection	protection	PROPN
fsr-3485	215	5	bureau	bureau	PROPN
fsr-3485	215	6	.	.	PUNCT
fsr-3485	216	1	(	(	PUNCT
fsr-3485	216	2	cfpb	cfpb	NOUN
fsr-3485	216	3	)	)	PUNCT
fsr-3485	216	4	.	.	PUNCT
fsr-3485	217	1	(	(	PUNCT
fsr-3485	217	2	2015a	2015a	NUM
fsr-3485	217	3	)	)	PUNCT
fsr-3485	217	4	.	.	PUNCT
fsr-3485	218	1	financial	financial	ADJ
fsr-3485	218	2	well	well	ADV
fsr-3485	218	3	-	-	PUNCT
fsr-3485	218	4	being	being	NOUN
fsr-3485	218	5	:	:	PUNCT
fsr-3485	218	6	the	the	DET
fsr-3485	218	7	goal	goal	NOUN
fsr-3485	218	8	of	of	ADP
fsr-3485	218	9	financial	financial	ADJ
fsr-3485	218	10	education	education	NOUN
fsr-3485	218	11	.	.	PUNCT
fsr-3485	219	1	iowa	iowa	PROPN
fsr-3485	219	2	city	city	PROPN
fsr-3485	219	3	,	,	PUNCT
fsr-3485	219	4	ia	ia	PROPN
fsr-3485	219	5	:	:	PUNCT
fsr-3485	219	6	consumer	consumer	NOUN
fsr-3485	219	7	financial	financial	PROPN
fsr-3485	219	8	protection	protection	PROPN
fsr-3485	219	9	bureau	bureau	PROPN
fsr-3485	219	10	.	.	PUNCT
fsr-3485	220	1	available	available	ADJ
fsr-3485	220	2	at	at	ADP
fsr-3485	220	3	https://www.consumerfinance	https://www.consumerfinance	PROPN
fsr-3485	220	4	.	.	PUNCT
fsr-3485	221	1	gov	gov	PROPN
fsr-3485	221	2	/	/	SYM
fsr-3485	221	3	data	data	NOUN
fsr-3485	221	4	-	-	PUNCT
fsr-3485	221	5	research	research	NOUN
fsr-3485	221	6	/	/	SYM
fsr-3485	221	7	research	research	NOUN
fsr-3485	221	8	-	-	PUNCT
fsr-3485	221	9	reports	report	NOUN
fsr-3485	221	10	/	/	SYM
fsr-3485	221	11	financial	financial	ADJ
fsr-3485	221	12	-	-	PUNCT
fsr-3485	221	13	well	well	ADV
fsr-3485	221	14	-	-	PUNCT
fsr-3485	221	15	being/	being/	VERB
fsr-3485	221	16	consumer	consumer	NOUN
fsr-3485	221	17	financial	financial	PROPN
fsr-3485	221	18	protection	protection	PROPN
fsr-3485	221	19	bureau	bureau	PROPN
fsr-3485	221	20	(	(	PUNCT
fsr-3485	221	21	cfpb	cfpb	NOUN
fsr-3485	221	22	)	)	PUNCT
fsr-3485	221	23	.	.	PUNCT
fsr-3485	222	1	(	(	PUNCT
fsr-3485	222	2	2015b	2015b	NUM
fsr-3485	222	3	)	)	PUNCT
fsr-3485	222	4	.	.	PUNCT
fsr-3485	223	1	measuring	measure	VERB
fsr-3485	223	2	financial	financial	ADJ
fsr-3485	223	3	well	well	NOUN
fsr-3485	223	4	-	-	PUNCT
fsr-3485	223	5	being	being	NOUN
fsr-3485	223	6	:	:	PUNCT
fsr-3485	223	7	a	a	DET
fsr-3485	223	8	guide	guide	NOUN
fsr-3485	223	9	to	to	ADP
fsr-3485	223	10	using	use	VERB
fsr-3485	223	11	the	the	DET
fsr-3485	223	12	cfpb	cfpb	NOUN
fsr-3485	223	13	financial	financial	ADJ
fsr-3485	223	14	well	well	ADV
fsr-3485	223	15	-	-	PUNCT
fsr-3485	223	16	being	being	NOUN
fsr-3485	223	17	scale	scale	NOUN
fsr-3485	223	18	.	.	PUNCT
fsr-3485	224	1	available	available	ADJ
fsr-3485	224	2	at	at	ADP
fsr-3485	224	3	https://files.consumerfinance.gov/f/201512_cfpb_financialwell-being-user-guide-scale.pdf	https://files.consumerfinance.gov/f/201512_cfpb_financialwell-being-user-guide-scale.pdf	PROPN
fsr-3485	224	4	consumer	consumer	PROPN
fsr-3485	224	5	financial	financial	PROPN
fsr-3485	224	6	protection	protection	PROPN
fsr-3485	224	7	bureau	bureau	PROPN
fsr-3485	224	8	(	(	PUNCT
fsr-3485	224	9	cfpb	cfpb	NOUN
fsr-3485	224	10	)	)	PUNCT
fsr-3485	224	11	.	.	PUNCT
fsr-3485	225	1	(	(	PUNCT
fsr-3485	225	2	2017	2017	NUM
fsr-3485	225	3	)	)	PUNCT
fsr-3485	225	4	.	.	PUNCT
fsr-3485	226	1	financial	financial	ADJ
fsr-3485	226	2	well	well	ADV
fsr-3485	226	3	-	-	PUNCT
fsr-3485	226	4	being	being	NOUN
fsr-3485	226	5	in	in	ADP
fsr-3485	226	6	america	america	PROPN
fsr-3485	226	7	.	.	PUNCT
fsr-3485	227	1	available	available	ADJ
fsr-3485	227	2	at	at	ADP
fsr-3485	227	3	https://	https://	PROPN
fsr-3485	227	4	files.consumerfinance.gov/f/documents/201709_cfpb_financial-well-being-in-america.pdf	files.consumerfinance.gov/f/documents/201709_cfpb_financial-well-being-in-america.pdf	PROPN
fsr-3485	227	5	cutler	cutler	NOUN
fsr-3485	227	6	,	,	PUNCT
fsr-3485	227	7	n.	n.	PROPN
fsr-3485	227	8	e.	e.	PROPN
fsr-3485	227	9	(	(	PUNCT
fsr-3485	227	10	2015	2015	NUM
fsr-3485	227	11	)	)	PUNCT
fsr-3485	227	12	.	.	PUNCT
fsr-3485	228	1	millennials	millennial	NOUN
fsr-3485	228	2	and	and	CCONJ
fsr-3485	228	3	finance	finance	NOUN
fsr-3485	228	4	:	:	PUNCT
fsr-3485	228	5	the	the	DET
fsr-3485	228	6	“	"	PUNCT
fsr-3485	228	7	amazon	amazon	NOUN
fsr-3485	228	8	generation	generation	NOUN
fsr-3485	228	9	.	.	PUNCT
fsr-3485	228	10	”	"	PUNCT
fsr-3485	229	1	journal	journal	NOUN
fsr-3485	229	2	of	of	ADP
fsr-3485	229	3	financial	financial	ADJ
fsr-3485	229	4	service	service	NOUN
fsr-3485	229	5	professionals	professional	NOUN
fsr-3485	229	6	,	,	PUNCT
fsr-3485	229	7	69(6	69(6	NUM
fsr-3485	229	8	)	)	PUNCT
fsr-3485	229	9	,	,	PUNCT
fsr-3485	229	10	33–39	33–39	NUM
fsr-3485	229	11	.	.	PUNCT
fsr-3485	230	1	diener	diener	PROPN
fsr-3485	230	2	,	,	PUNCT
fsr-3485	230	3	e.	e.	PROPN
fsr-3485	230	4	,	,	PUNCT
fsr-3485	230	5	&	&	CCONJ
fsr-3485	230	6	biswas	biswas	PROPN
fsr-3485	230	7	-	-	PUNCT
fsr-3485	230	8	diener	diener	PROPN
fsr-3485	230	9	,	,	PUNCT
fsr-3485	230	10	r.	r.	PROPN
fsr-3485	230	11	(	(	PUNCT
fsr-3485	230	12	2002	2002	NUM
fsr-3485	230	13	)	)	PUNCT
fsr-3485	230	14	.	.	PUNCT
fsr-3485	231	1	will	will	AUX
fsr-3485	231	2	money	money	NOUN
fsr-3485	231	3	increase	increase	VERB
fsr-3485	231	4	subjective	subjective	ADJ
fsr-3485	231	5	well	well	ADV
fsr-3485	231	6	-	-	PUNCT
fsr-3485	231	7	being	being	NOUN
fsr-3485	231	8	?	?	PUNCT
fsr-3485	232	1	social	social	ADJ
fsr-3485	232	2	indicators	indicator	NOUN
fsr-3485	232	3	research	research	NOUN
fsr-3485	232	4	,	,	PUNCT
fsr-3485	232	5	57	57	NUM
fsr-3485	232	6	,	,	PUNCT
fsr-3485	232	7	119–169	119–169	NUM
fsr-3485	232	8	.	.	PUNCT
fsr-3485	233	1	https://doi.org/10.1023/a:1014411319119	https://doi.org/10.1023/a:1014411319119	PROPN
fsr-3485	233	2	elmerick	elmerick	PROPN
fsr-3485	233	3	,	,	PUNCT
fsr-3485	233	4	s.	s.	PROPN
fsr-3485	233	5	a.	a.	PROPN
fsr-3485	233	6	,	,	PUNCT
fsr-3485	233	7	montalto	montalto	PROPN
fsr-3485	233	8	,	,	PUNCT
fsr-3485	233	9	c.	c.	PROPN
fsr-3485	233	10	p.	p.	PROPN
fsr-3485	233	11	,	,	PUNCT
fsr-3485	233	12	&	&	CCONJ
fsr-3485	233	13	fox	fox	PROPN
fsr-3485	233	14	,	,	PUNCT
fsr-3485	233	15	j.	j.	PROPN
fsr-3485	233	16	j.	j.	PROPN
fsr-3485	233	17	(	(	PUNCT
fsr-3485	233	18	2002	2002	NUM
fsr-3485	233	19	)	)	PUNCT
fsr-3485	233	20	.	.	PUNCT
fsr-3485	234	1	use	use	NOUN
fsr-3485	234	2	of	of	ADP
fsr-3485	234	3	financial	financial	ADJ
fsr-3485	234	4	planners	planner	NOUN
fsr-3485	234	5	by	by	ADP
fsr-3485	234	6	us	us	PROPN
fsr-3485	234	7	households	household	NOUN
fsr-3485	234	8	.	.	PUNCT
fsr-3485	235	1	financial	financial	ADJ
fsr-3485	235	2	services	service	NOUN
fsr-3485	235	3	review	review	PROPN
fsr-3485	235	4	,	,	PUNCT
fsr-3485	235	5	11	11	NUM
fsr-3485	235	6	,	,	PUNCT
fsr-3485	235	7	217	217	NUM
fsr-3485	235	8	.	.	PUNCT
fsr-3485	236	1	fan	fan	PROPN
fsr-3485	236	2	,	,	PUNCT
fsr-3485	236	3	l.	l.	PROPN
fsr-3485	236	4	(	(	PUNCT
fsr-3485	236	5	2021	2021	NUM
fsr-3485	236	6	)	)	PUNCT
fsr-3485	236	7	.	.	PUNCT
fsr-3485	237	1	a	a	DET
fsr-3485	237	2	conceptual	conceptual	ADJ
fsr-3485	237	3	framework	framework	NOUN
fsr-3485	237	4	of	of	ADP
fsr-3485	237	5	financial	financial	ADJ
fsr-3485	237	6	advice	advice	NOUN
fsr-3485	237	7	-	-	PUNCT
fsr-3485	237	8	seeking	seeking	NOUN
fsr-3485	237	9	and	and	CCONJ
fsr-3485	237	10	short	short	ADJ
fsr-3485	237	11	-	-	PUNCT
fsr-3485	237	12	and	and	CCONJ
fsr-3485	237	13	long	long	ADJ
fsr-3485	237	14	-	-	PUNCT
fsr-3485	237	15	term	term	NOUN
fsr-3485	237	16	financial	financial	ADJ
fsr-3485	237	17	behaviors	behavior	NOUN
fsr-3485	237	18	:	:	PUNCT
fsr-3485	237	19	an	an	DET
fsr-3485	237	20	age	age	NOUN
fsr-3485	237	21	comparison	comparison	NOUN
fsr-3485	237	22	.	.	PUNCT
fsr-3485	238	1	journal	journal	NOUN
fsr-3485	238	2	of	of	ADP
fsr-3485	238	3	family	family	NOUN
fsr-3485	238	4	and	and	CCONJ
fsr-3485	238	5	economic	economic	ADJ
fsr-3485	238	6	issues	issue	NOUN
fsr-3485	238	7	,	,	PUNCT
fsr-3485	238	8	42	42	NUM
fsr-3485	238	9	,	,	PUNCT
fsr-3485	238	10	90–112	90–112	PROPN
fsr-3485	238	11	.	.	PUNCT
fsr-3485	239	1	https://doi.org/10.1007/s10834020-09727-3	https://doi.org/10.1007/s10834020-09727-3	PROPN
fsr-3485	239	2	fisch	fisch	PROPN
fsr-3485	239	3	,	,	PUNCT
fsr-3485	239	4	j.	j.	PROPN
fsr-3485	239	5	e.	e.	PROPN
fsr-3485	239	6	,	,	PUNCT
fsr-3485	239	7	laboure	laboure	NOUN
fsr-3485	239	8	,	,	PUNCT
fsr-3485	239	9	m.	m.	NOUN
fsr-3485	239	10	,	,	PUNCT
fsr-3485	239	11	&	&	CCONJ
fsr-3485	239	12	turner	turner	PROPN
fsr-3485	239	13	,	,	PUNCT
fsr-3485	239	14	j.	j.	PROPN
fsr-3485	239	15	a.	a.	PROPN
fsr-3485	239	16	(	(	PUNCT
fsr-3485	239	17	2017	2017	NUM
fsr-3485	239	18	)	)	PUNCT
fsr-3485	239	19	.	.	PUNCT
fsr-3485	240	1	the	the	DET
fsr-3485	240	2	economics	economic	NOUN
fsr-3485	240	3	of	of	ADP
fsr-3485	240	4	complex	complex	ADJ
fsr-3485	240	5	decision	decision	NOUN
fsr-3485	240	6	making	making	NOUN
fsr-3485	240	7	:	:	PUNCT
fsr-3485	240	8	the	the	DET
fsr-3485	240	9	emergence	emergence	NOUN
fsr-3485	240	10	of	of	ADP
fsr-3485	240	11	the	the	DET
fsr-3485	240	12	robo	robo	NOUN
fsr-3485	240	13	adviser	adviser	NOUN
fsr-3485	240	14	.	.	PUNCT
fsr-3485	240	15	available	available	ADJ
fsr-3485	240	16	at	at	ADP
fsr-3485	240	17	https://www.geog.ox.ac.uk/events/170911/robo-vs-human-advisers-aug-28.pdf	https://www.geog.ox.ac.uk/events/170911/robo-vs-human-advisers-aug-28.pdf	PROPN
fsr-3485	240	18	grable	grable	NOUN
fsr-3485	240	19	,	,	PUNCT
fsr-3485	240	20	j.	j.	PROPN
fsr-3485	240	21	e.	e.	PROPN
fsr-3485	240	22	,	,	PUNCT
fsr-3485	240	23	&	&	CCONJ
fsr-3485	240	24	joo	joo	PROPN
fsr-3485	240	25	,	,	PUNCT
fsr-3485	240	26	s.	s.	PROPN
fsr-3485	240	27	h.	h.	PROPN
fsr-3485	240	28	(	(	PUNCT
fsr-3485	240	29	1999	1999	NUM
fsr-3485	240	30	)	)	PUNCT
fsr-3485	240	31	.	.	PUNCT
fsr-3485	241	1	financial	financial	ADJ
fsr-3485	241	2	help	help	NOUN
fsr-3485	241	3	-	-	PUNCT
fsr-3485	241	4	seeking	seek	VERB
fsr-3485	241	5	behavior	behavior	NOUN
fsr-3485	241	6	:	:	PUNCT
fsr-3485	241	7	theory	theory	NOUN
fsr-3485	241	8	and	and	CCONJ
fsr-3485	241	9	implications	implication	NOUN
fsr-3485	241	10	.	.	PUNCT
fsr-3485	242	1	journal	journal	NOUN
fsr-3485	242	2	of	of	ADP
fsr-3485	242	3	financial	financial	ADJ
fsr-3485	242	4	counseling	counseling	NOUN
fsr-3485	242	5	and	and	CCONJ
fsr-3485	242	6	planning	planning	NOUN
fsr-3485	242	7	,	,	PUNCT
fsr-3485	242	8	10	10	NUM
fsr-3485	242	9	,	,	PUNCT
fsr-3485	242	10	14	14	NUM
fsr-3485	242	11	.	.	PUNCT
fsr-3485	243	1	grable	grable	PROPN
fsr-3485	243	2	,	,	PUNCT
fsr-3485	243	3	j.	j.	PROPN
fsr-3485	243	4	e.	e.	PROPN
fsr-3485	243	5	,	,	PUNCT
fsr-3485	243	6	&	&	CCONJ
fsr-3485	243	7	joo	joo	PROPN
fsr-3485	243	8	,	,	PUNCT
fsr-3485	243	9	s.	s.	PROPN
fsr-3485	243	10	h.	h.	PROPN
fsr-3485	243	11	(	(	PUNCT
fsr-3485	243	12	2003	2003	NUM
fsr-3485	243	13	)	)	PUNCT
fsr-3485	243	14	.	.	PUNCT
fsr-3485	244	1	a	a	DET
fsr-3485	244	2	snapshot	snapshot	ADJ
fsr-3485	244	3	view	view	NOUN
fsr-3485	244	4	of	of	ADP
fsr-3485	244	5	the	the	DET
fsr-3485	244	6	help	help	NOUN
fsr-3485	244	7	-	-	PUNCT
fsr-3485	244	8	seeking	seek	VERB
fsr-3485	244	9	market	market	NOUN
fsr-3485	244	10	.	.	PUNCT
fsr-3485	245	1	journal	journal	NOUN
fsr-3485	245	2	of	of	ADP
fsr-3485	245	3	financial	financial	ADJ
fsr-3485	245	4	planning	planning	NOUN
fsr-3485	245	5	,	,	PUNCT
fsr-3485	245	6	16	16	NUM
fsr-3485	245	7	,	,	PUNCT
fsr-3485	245	8	88	88	NUM
fsr-3485	245	9	.	.	PUNCT
fsr-3485	245	10	gutter	gutter	NOUN
fsr-3485	245	11	,	,	PUNCT
fsr-3485	245	12	m.	m.	NOUN
fsr-3485	245	13	,	,	PUNCT
fsr-3485	245	14	&	&	CCONJ
fsr-3485	245	15	copur	copur	PROPN
fsr-3485	245	16	,	,	PUNCT
fsr-3485	245	17	z.	z.	PROPN
fsr-3485	245	18	(	(	PUNCT
fsr-3485	245	19	2011	2011	NUM
fsr-3485	245	20	)	)	PUNCT
fsr-3485	245	21	.	.	PUNCT
fsr-3485	246	1	financial	financial	ADJ
fsr-3485	246	2	behaviors	behavior	NOUN
fsr-3485	246	3	and	and	CCONJ
fsr-3485	246	4	financial	financial	ADJ
fsr-3485	246	5	well	well	NOUN
fsr-3485	246	6	-	-	PUNCT
fsr-3485	246	7	being	being	NOUN
fsr-3485	246	8	of	of	ADP
fsr-3485	246	9	college	college	NOUN
fsr-3485	246	10	students	student	NOUN
fsr-3485	246	11	:	:	PUNCT
fsr-3485	246	12	evidence	evidence	NOUN
fsr-3485	246	13	from	from	ADP
fsr-3485	246	14	a	a	DET
fsr-3485	246	15	national	national	ADJ
fsr-3485	246	16	survey	survey	NOUN
fsr-3485	246	17	.	.	PUNCT
fsr-3485	247	1	journal	journal	NOUN
fsr-3485	247	2	of	of	ADP
fsr-3485	247	3	family	family	NOUN
fsr-3485	247	4	and	and	CCONJ
fsr-3485	247	5	economic	economic	ADJ
fsr-3485	247	6	issues	issue	NOUN
fsr-3485	247	7	,	,	PUNCT
fsr-3485	247	8	32	32	NUM
fsr-3485	247	9	,	,	PUNCT
fsr-3485	247	10	699–714	699–714	NUM
fsr-3485	247	11	.	.	PUNCT
fsr-3485	248	1	https://doi.org/10.1007/s10834-0119255-2	https://doi.org/10.1007/s10834-0119255-2	PROPN
fsr-3485	248	2	hanna	hanna	PROPN
fsr-3485	248	3	,	,	PUNCT
fsr-3485	248	4	s.	s.	PROPN
fsr-3485	248	5	d.	d.	PROPN
fsr-3485	248	6	(	(	PUNCT
fsr-3485	248	7	2011	2011	NUM
fsr-3485	248	8	)	)	PUNCT
fsr-3485	248	9	.	.	PUNCT
fsr-3485	249	1	the	the	DET
fsr-3485	249	2	demand	demand	NOUN
fsr-3485	249	3	for	for	ADP
fsr-3485	249	4	financial	financial	ADJ
fsr-3485	249	5	planning	planning	NOUN
fsr-3485	249	6	services	service	NOUN
fsr-3485	249	7	.	.	PUNCT
fsr-3485	250	1	journal	journal	NOUN
fsr-3485	250	2	of	of	ADP
fsr-3485	250	3	personal	personal	ADJ
fsr-3485	250	4	finance	finance	NOUN
fsr-3485	250	5	,	,	PUNCT
fsr-3485	250	6	10	10	NUM
fsr-3485	250	7	,	,	PUNCT
fsr-3485	250	8	36–62	36–62	NUM
fsr-3485	250	9	.	.	PUNCT
fsr-3485	251	1	hasso	hasso	PROPN
fsr-3485	251	2	,	,	PUNCT
fsr-3485	251	3	t.	t.	PROPN
fsr-3485	251	4	,	,	PUNCT
fsr-3485	251	5	müller	müller	NOUN
fsr-3485	251	6	,	,	PUNCT
fsr-3485	251	7	d.	d.	PROPN
fsr-3485	251	8	,	,	PUNCT
fsr-3485	251	9	pelster	pelster	NOUN
fsr-3485	251	10	,	,	PUNCT
fsr-3485	251	11	m.	m.	NOUN
fsr-3485	251	12	,	,	PUNCT
fsr-3485	251	13	&	&	CCONJ
fsr-3485	251	14	warkulat	warkulat	PROPN
fsr-3485	251	15	,	,	PUNCT
fsr-3485	251	16	s.	s.	PROPN
fsr-3485	251	17	(	(	PUNCT
fsr-3485	251	18	2021	2021	NUM
fsr-3485	251	19	)	)	PUNCT
fsr-3485	251	20	.	.	PUNCT
fsr-3485	252	1	who	who	PRON
fsr-3485	252	2	participated	participate	VERB
fsr-3485	252	3	in	in	ADP
fsr-3485	252	4	the	the	DET
fsr-3485	252	5	gamestop	gamestop	ADJ
fsr-3485	252	6	frenzy	frenzy	NOUN
fsr-3485	252	7	?	?	PUNCT
fsr-3485	253	1	evidence	evidence	NOUN
fsr-3485	253	2	from	from	ADP
fsr-3485	253	3	brokerage	brokerage	NOUN
fsr-3485	253	4	accounts	account	NOUN
fsr-3485	253	5	.	.	PUNCT
fsr-3485	254	1	finance	finance	NOUN
fsr-3485	254	2	research	research	NOUN
fsr-3485	254	3	letters	letter	NOUN
fsr-3485	254	4	,	,	PUNCT
fsr-3485	254	5	45(2	45(2	NOUN
fsr-3485	254	6	)	)	PUNCT
fsr-3485	254	7	,	,	PUNCT
fsr-3485	254	8	102140	102140	NUM
fsr-3485	254	9	.	.	PUNCT
fsr-3485	255	1	heckman	heckman	PROPN
fsr-3485	255	2	,	,	PUNCT
fsr-3485	255	3	s.	s.	PROPN
fsr-3485	255	4	,	,	PUNCT
fsr-3485	255	5	seay	seay	PROPN
fsr-3485	255	6	,	,	PUNCT
fsr-3485	255	7	m.	m.	NOUN
fsr-3485	255	8	,	,	PUNCT
fsr-3485	255	9	kim	kim	PROPN
fsr-3485	255	10	,	,	PUNCT
fsr-3485	255	11	k.	k.	PROPN
fsr-3485	255	12	t.	t.	PROPN
fsr-3485	255	13	,	,	PUNCT
fsr-3485	255	14	&	&	CCONJ
fsr-3485	255	15	letkiewicz	letkiewicz	PROPN
fsr-3485	255	16	,	,	PUNCT
fsr-3485	255	17	j.	j.	PROPN
fsr-3485	255	18	(	(	PUNCT
fsr-3485	255	19	2016	2016	NUM
fsr-3485	255	20	)	)	PUNCT
fsr-3485	255	21	.	.	PUNCT
fsr-3485	256	1	household	household	NOUN
fsr-3485	256	2	use	use	NOUN
fsr-3485	256	3	of	of	ADP
fsr-3485	256	4	financial	financial	ADJ
fsr-3485	256	5	planners	planner	NOUN
fsr-3485	256	6	:	:	PUNCT
fsr-3485	256	7	measurement	measurement	NOUN
fsr-3485	256	8	considerations	consideration	NOUN
fsr-3485	256	9	for	for	ADP
fsr-3485	256	10	researchers	researcher	NOUN
fsr-3485	256	11	.	.	PUNCT
fsr-3485	257	1	financial	financial	ADJ
fsr-3485	257	2	services	service	NOUN
fsr-3485	257	3	review	review	PROPN
fsr-3485	257	4	,	,	PUNCT
fsr-3485	257	5	25	25	NUM
fsr-3485	257	6	,	,	PUNCT
fsr-3485	257	7	427–446	427–446	NUM
fsr-3485	257	8	.	.	PUNCT
fsr-3485	258	1	hilgert	hilgert	PROPN
fsr-3485	258	2	,	,	PUNCT
fsr-3485	258	3	m.	m.	NOUN
fsr-3485	258	4	a.	a.	PROPN
fsr-3485	258	5	,	,	PUNCT
fsr-3485	258	6	hogarth	hogarth	NOUN
fsr-3485	258	7	,	,	PUNCT
fsr-3485	258	8	j.	j.	PROPN
fsr-3485	258	9	m.	m.	PROPN
fsr-3485	258	10	,	,	PUNCT
fsr-3485	258	11	&	&	CCONJ
fsr-3485	258	12	beverly	beverly	PROPN
fsr-3485	258	13	,	,	PUNCT
fsr-3485	258	14	s.	s.	PROPN
fsr-3485	258	15	g.	g.	PROPN
fsr-3485	258	16	(	(	PUNCT
fsr-3485	258	17	2003	2003	NUM
fsr-3485	258	18	)	)	PUNCT
fsr-3485	258	19	.	.	PUNCT
fsr-3485	259	1	household	household	NOUN
fsr-3485	259	2	financial	financial	ADJ
fsr-3485	259	3	management	management	NOUN
fsr-3485	259	4	:	:	PUNCT
fsr-3485	259	5	the	the	DET
fsr-3485	259	6	connection	connection	NOUN
fsr-3485	259	7	between	between	ADP
fsr-3485	259	8	knowledge	knowledge	NOUN
fsr-3485	259	9	and	and	CCONJ
fsr-3485	259	10	behavior	behavior	NOUN
fsr-3485	259	11	.	.	PUNCT
fsr-3485	260	1	federal	federal	PROPN
fsr-3485	260	2	reserve	reserve	PROPN
fsr-3485	260	3	bulletin	bulletin	PROPN
fsr-3485	260	4	,	,	PUNCT
fsr-3485	260	5	89	89	NUM
fsr-3485	260	6	,	,	PUNCT
fsr-3485	260	7	309	309	NUM
fsr-3485	260	8	.	.	PUNCT
fsr-3485	261	1	hsieh	hsieh	PROPN
fsr-3485	261	2	,	,	PUNCT
fsr-3485	261	3	c.-m	c.-m	NOUN
fsr-3485	261	4	.	.	PUNCT
fsr-3485	262	1	(	(	PUNCT
fsr-3485	262	2	2001	2001	NUM
fsr-3485	262	3	)	)	PUNCT
fsr-3485	262	4	.	.	PUNCT
fsr-3485	263	1	correlates	correlate	VERB
fsr-3485	263	2	of	of	ADP
fsr-3485	263	3	financial	financial	ADJ
fsr-3485	263	4	satisfaction	satisfaction	NOUN
fsr-3485	263	5	.	.	PUNCT
fsr-3485	264	1	international	international	ADJ
fsr-3485	264	2	journal	journal	NOUN
fsr-3485	264	3	of	of	ADP
fsr-3485	264	4	aging	aging	NOUN
fsr-3485	264	5	&	&	CCONJ
fsr-3485	264	6	human	human	ADJ
fsr-3485	264	7	development	development	NOUN
fsr-3485	264	8	,	,	PUNCT
fsr-3485	264	9	52	52	NUM
fsr-3485	264	10	,	,	PUNCT
fsr-3485	264	11	135–153	135–153	NUM
fsr-3485	264	12	.	.	PUNCT
fsr-3485	265	1	https://doi.org/10.2190/9yde-46pa-mv9c-2jrb	https://doi.org/10.2190/9yde-46pa-mv9c-2jrb	PROPN
fsr-3485	265	2	iacurci	iacurci	NOUN
fsr-3485	265	3	,	,	PUNCT
fsr-3485	265	4	g.	g.	PROPN
fsr-3485	265	5	(	(	PUNCT
fsr-3485	265	6	2018	2018	NUM
fsr-3485	265	7	)	)	PUNCT
fsr-3485	265	8	.	.	PUNCT
fsr-3485	266	1	few	few	ADJ
fsr-3485	266	2	colleges	college	NOUN
fsr-3485	266	3	offer	offer	VERB
fsr-3485	266	4	a	a	DET
fsr-3485	266	5	financial	financial	ADJ
fsr-3485	266	6	planning	planning	NOUN
fsr-3485	266	7	program	program	NOUN
fsr-3485	266	8	.	.	PUNCT
fsr-3485	267	1	investmentnews	investmentnews	PROPN
fsr-3485	267	2	.	.	PUNCT
fsr-3485	268	1	available	available	ADJ
fsr-3485	268	2	at	at	ADP
fsr-3485	268	3	https://	https://	PROPN
fsr-3485	268	4	www.investmentnews.com/few-colleges-offer-a-financial-planning-program-75860	www.investmentnews.com/few-colleges-offer-a-financial-planning-program-75860	PROPN
fsr-3485	268	5	joo	joo	PROPN
fsr-3485	268	6	,	,	PUNCT
fsr-3485	268	7	s.-h	s.-h	PROPN
fsr-3485	268	8	.	.	PROPN
fsr-3485	268	9	,	,	PUNCT
fsr-3485	268	10	&	&	CCONJ
fsr-3485	268	11	garman	garman	PROPN
fsr-3485	268	12	,	,	PUNCT
fsr-3485	268	13	e.	e.	PROPN
fsr-3485	268	14	t.	t.	PROPN
fsr-3485	268	15	(	(	PUNCT
fsr-3485	268	16	1998	1998	NUM
fsr-3485	268	17	)	)	PUNCT
fsr-3485	268	18	.	.	PUNCT
fsr-3485	269	1	the	the	DET
fsr-3485	269	2	potential	potential	ADJ
fsr-3485	269	3	effects	effect	NOUN
fsr-3485	269	4	of	of	ADP
fsr-3485	269	5	workplace	workplace	ADJ
fsr-3485	269	6	financial	financial	ADJ
fsr-3485	269	7	education	education	NOUN
fsr-3485	269	8	based	base	VERB
fsr-3485	269	9	on	on	ADP
fsr-3485	269	10	the	the	DET
fsr-3485	269	11	relationship	relationship	NOUN
fsr-3485	269	12	between	between	ADP
fsr-3485	269	13	personal	personal	ADJ
fsr-3485	269	14	financial	financial	ADJ
fsr-3485	269	15	wellness	wellness	NOUN
fsr-3485	269	16	and	and	CCONJ
fsr-3485	269	17	worker	worker	NOUN
fsr-3485	269	18	job	job	NOUN
fsr-3485	269	19	productivity	productivity	NOUN
fsr-3485	269	20	.	.	PUNCT
fsr-3485	270	1	personal	personal	ADJ
fsr-3485	270	2	finances	finance	NOUN
fsr-3485	270	3	and	and	CCONJ
fsr-3485	270	4	worker	worker	NOUN
fsr-3485	270	5	productivity	productivity	NOUN
fsr-3485	270	6	,	,	PUNCT
fsr-3485	270	7	2	2	NUM
fsr-3485	270	8	,	,	PUNCT
fsr-3485	270	9	163–173	163–173	NUM
fsr-3485	270	10	.	.	PUNCT
fsr-3485	271	1	joo	joo	PROPN
fsr-3485	271	2	,	,	PUNCT
fsr-3485	271	3	s.-h	s.-h	PROPN
fsr-3485	271	4	.	.	PROPN
fsr-3485	271	5	,	,	PUNCT
fsr-3485	271	6	&	&	CCONJ
fsr-3485	271	7	grable	grable	PROPN
fsr-3485	271	8	,	,	PUNCT
fsr-3485	271	9	j.	j.	PROPN
fsr-3485	271	10	e.	e.	PROPN
fsr-3485	271	11	(	(	PUNCT
fsr-3485	271	12	2004	2004	NUM
fsr-3485	271	13	)	)	PUNCT
fsr-3485	271	14	.	.	PUNCT
fsr-3485	272	1	an	an	DET
fsr-3485	272	2	exploratory	exploratory	ADJ
fsr-3485	272	3	framework	framework	NOUN
fsr-3485	272	4	of	of	ADP
fsr-3485	272	5	the	the	DET
fsr-3485	272	6	determinants	determinant	NOUN
fsr-3485	272	7	of	of	ADP
fsr-3485	272	8	financial	financial	ADJ
fsr-3485	272	9	satisfaction	satisfaction	NOUN
fsr-3485	272	10	.	.	PUNCT
fsr-3485	273	1	journal	journal	NOUN
fsr-3485	273	2	of	of	ADP
fsr-3485	273	3	family	family	NOUN
fsr-3485	273	4	and	and	CCONJ
fsr-3485	273	5	economic	economic	ADJ
fsr-3485	273	6	issues	issue	NOUN
fsr-3485	273	7	,	,	PUNCT
fsr-3485	273	8	25	25	NUM
fsr-3485	273	9	,	,	PUNCT
fsr-3485	273	10	25–50	25–50	NUM
fsr-3485	273	11	.	.	PUNCT
fsr-3485	274	1	https://doi.org/10.1023/b:jeei.0000016722.37994.9f	https://doi.org/10.1023/b:jeei.0000016722.37994.9f	PROPN
fsr-3485	274	2	kim	kim	PROPN
fsr-3485	274	3	,	,	PUNCT
fsr-3485	274	4	j.	j.	PROPN
fsr-3485	274	5	,	,	PUNCT
fsr-3485	274	6	&	&	CCONJ
fsr-3485	274	7	garman	garman	PROPN
fsr-3485	274	8	,	,	PUNCT
fsr-3485	274	9	e.	e.	PROPN
fsr-3485	274	10	t.	t.	PROPN
fsr-3485	274	11	(	(	PUNCT
fsr-3485	274	12	2003	2003	NUM
fsr-3485	274	13	)	)	PUNCT
fsr-3485	274	14	.	.	PUNCT
fsr-3485	275	1	financial	financial	ADJ
fsr-3485	275	2	stress	stress	NOUN
fsr-3485	275	3	and	and	CCONJ
fsr-3485	275	4	absenteeism	absenteeism	NOUN
fsr-3485	275	5	:	:	PUNCT
fsr-3485	275	6	an	an	DET
fsr-3485	275	7	empirically	empirically	ADV
fsr-3485	275	8	derived	derive	VERB
fsr-3485	275	9	model	model	NOUN
fsr-3485	275	10	.	.	PUNCT
fsr-3485	276	1	journal	journal	PROPN
fsr-3485	276	2	of	of	ADP
fsr-3485	276	3	financial	financial	ADJ
fsr-3485	276	4	counseling	counseling	NOUN
fsr-3485	276	5	and	and	CCONJ
fsr-3485	276	6	planning	planning	NOUN
fsr-3485	276	7	,	,	PUNCT
fsr-3485	276	8	14	14	NUM
fsr-3485	276	9	,	,	PUNCT
fsr-3485	276	10	31	31	NUM
fsr-3485	276	11	.	.	PUNCT
fsr-3485	277	1	kim	kim	PROPN
fsr-3485	277	2	,	,	PUNCT
fsr-3485	277	3	h.	h.	PROPN
fsr-3485	277	4	h.	h.	PROPN
fsr-3485	277	5	,	,	PUNCT
fsr-3485	277	6	maurer	maurer	PROPN
fsr-3485	277	7	,	,	PUNCT
fsr-3485	277	8	r.	r.	PROPN
fsr-3485	277	9	,	,	PUNCT
fsr-3485	277	10	&	&	CCONJ
fsr-3485	277	11	mitchell	mitchell	PROPN
fsr-3485	277	12	,	,	PUNCT
fsr-3485	277	13	o.	o.	PROPN
fsr-3485	277	14	s.	s.	PROPN
fsr-3485	277	15	(	(	PUNCT
fsr-3485	277	16	2019	2019	NUM
fsr-3485	277	17	)	)	PUNCT
fsr-3485	277	18	.	.	PUNCT
fsr-3485	278	1	how	how	SCONJ
fsr-3485	278	2	cognitive	cognitive	ADJ
fsr-3485	278	3	ability	ability	NOUN
fsr-3485	278	4	and	and	CCONJ
fsr-3485	278	5	financial	financial	ADJ
fsr-3485	278	6	literacy	literacy	NOUN
fsr-3485	278	7	shape	shape	VERB
fsr-3485	278	8	the	the	DET
fsr-3485	278	9	demand	demand	NOUN
fsr-3485	278	10	for	for	ADP
fsr-3485	278	11	financial	financial	ADJ
fsr-3485	278	12	advice	advice	NOUN
fsr-3485	278	13	at	at	ADP
fsr-3485	278	14	older	old	ADJ
fsr-3485	278	15	ages	age	NOUN
fsr-3485	278	16	(	(	PUNCT
fsr-3485	278	17	no	no	INTJ
fsr-3485	278	18	.	.	PUNCT
fsr-3485	278	19	w25750	w25750	NOUN
fsr-3485	278	20	)	)	PUNCT
fsr-3485	278	21	.	.	PUNCT
fsr-3485	279	1	national	national	PROPN
fsr-3485	279	2	bureau	bureau	PROPN
fsr-3485	279	3	of	of	ADP
fsr-3485	279	4	economic	economic	ADJ
fsr-3485	279	5	research	research	NOUN
fsr-3485	279	6	.	.	PUNCT
fsr-3485	280	1	available	available	ADJ
fsr-3485	280	2	at	at	ADP
fsr-3485	280	3	https://www.nber.org/papers/w25750	https://www.nber.org/papers/w25750	PROPN
fsr-3485	280	4	kim	kim	PROPN
fsr-3485	280	5	,	,	PUNCT
fsr-3485	280	6	k.	k.	PROPN
fsr-3485	280	7	,	,	PUNCT
fsr-3485	280	8	pak	pak	PROPN
fsr-3485	280	9	,	,	PUNCT
fsr-3485	280	10	t.	t.	PROPN
fsr-3485	280	11	,	,	PUNCT
fsr-3485	280	12	shin	shin	PROPN
fsr-3485	280	13	,	,	PUNCT
fsr-3485	280	14	s.	s.	PROPN
fsr-3485	280	15	,	,	PUNCT
fsr-3485	280	16	&	&	CCONJ
fsr-3485	280	17	hanna	hanna	PROPN
fsr-3485	280	18	,	,	PUNCT
fsr-3485	280	19	s.	s.	PROPN
fsr-3485	280	20	(	(	PUNCT
fsr-3485	280	21	2018	2018	NUM
fsr-3485	280	22	)	)	PUNCT
fsr-3485	280	23	.	.	PUNCT
fsr-3485	281	1	the	the	DET
fsr-3485	281	2	relationship	relationship	NOUN
fsr-3485	281	3	between	between	ADP
fsr-3485	281	4	financial	financial	ADJ
fsr-3485	281	5	planner	planner	NOUN
fsr-3485	281	6	use	use	NOUN
fsr-3485	281	7	and	and	CCONJ
fsr-3485	281	8	holding	hold	VERB
fsr-3485	281	9	a	a	DET
fsr-3485	281	10	retirement	retirement	NOUN
fsr-3485	281	11	saving	save	VERB
fsr-3485	281	12	goal	goal	NOUN
fsr-3485	281	13	:	:	PUNCT
fsr-3485	281	14	a	a	DET
fsr-3485	281	15	propensity	propensity	NOUN
fsr-3485	281	16	score	score	NOUN
fsr-3485	281	17	matching	match	VERB
fsr-3485	281	18	analysis	analysis	NOUN
fsr-3485	281	19	.	.	PUNCT
fsr-3485	282	1	financial	financial	ADJ
fsr-3485	282	2	planning	planning	NOUN
fsr-3485	282	3	review	review	NOUN
fsr-3485	282	4	,	,	PUNCT
fsr-3485	282	5	1	1	NUM
fsr-3485	282	6	,	,	PUNCT
fsr-3485	282	7	e1008	e1008	PROPN
fsr-3485	282	8	.	.	PUNCT
fsr-3485	283	1	https://	https://	PROPN
fsr-3485	283	2	doi.org/10.1002/cfp2.1008	doi.org/10.1002/cfp2.1008	PROPN
fsr-3485	283	3	r.	r.	PROPN
fsr-3485	283	4	stebbins	stebbins	PROPN
fsr-3485	283	5	et	et	PROPN
fsr-3485	283	6	al	al	PROPN
fsr-3485	283	7	.	.	PUNCT
fsr-3485	283	8	/	/	SYM
fsr-3485	283	9	financial	financial	ADJ
fsr-3485	283	10	services	service	NOUN
fsr-3485	283	11	review	review	VERB
fsr-3485	283	12	30	30	NUM
fsr-3485	283	13	(	(	PUNCT
fsr-3485	283	14	2022	2022	NUM
fsr-3485	283	15	)	)	PUNCT
fsr-3485	283	16	191–204	191–204	NUM
fsr-3485	283	17	203	203	NUM
fsr-3485	283	18	lusardi	lusardi	NOUN
fsr-3485	283	19	,	,	PUNCT
fsr-3485	283	20	a.	a.	PROPN
fsr-3485	283	21	,	,	PUNCT
fsr-3485	283	22	&	&	CCONJ
fsr-3485	283	23	mitchell	mitchell	PROPN
fsr-3485	283	24	,	,	PUNCT
fsr-3485	283	25	o.	o.	PROPN
fsr-3485	283	26	s.	s.	PROPN
fsr-3485	283	27	(	(	PUNCT
fsr-3485	283	28	2008	2008	NUM
fsr-3485	283	29	)	)	PUNCT
fsr-3485	283	30	.	.	PUNCT
fsr-3485	284	1	planning	planning	NOUN
fsr-3485	284	2	and	and	CCONJ
fsr-3485	284	3	financial	financial	ADJ
fsr-3485	284	4	literacy	literacy	NOUN
fsr-3485	284	5	:	:	PUNCT
fsr-3485	284	6	how	how	SCONJ
fsr-3485	284	7	do	do	AUX
fsr-3485	284	8	women	woman	NOUN
fsr-3485	284	9	fare	fare	VERB
fsr-3485	284	10	?	?	PUNCT
fsr-3485	285	1	american	american	PROPN
fsr-3485	285	2	economic	economic	PROPN
fsr-3485	285	3	review	review	PROPN
fsr-3485	285	4	,	,	PUNCT
fsr-3485	285	5	98	98	NUM
fsr-3485	285	6	,	,	PUNCT
fsr-3485	285	7	413–417	413–417	NUM
fsr-3485	285	8	.	.	PUNCT
fsr-3485	286	1	https://doi.org/10.1257/aer.98.2.413	https://doi.org/10.1257/aer.98.2.413	PROPN
fsr-3485	286	2	lusardi	lusardi	NOUN
fsr-3485	286	3	,	,	PUNCT
fsr-3485	286	4	a.	a.	PROPN
fsr-3485	286	5	,	,	PUNCT
fsr-3485	286	6	&	&	CCONJ
fsr-3485	286	7	mitchell	mitchell	PROPN
fsr-3485	286	8	,	,	PUNCT
fsr-3485	286	9	o.	o.	PROPN
fsr-3485	286	10	s.	s.	PROPN
fsr-3485	286	11	(	(	PUNCT
fsr-3485	286	12	2014	2014	NUM
fsr-3485	286	13	)	)	PUNCT
fsr-3485	286	14	.	.	PUNCT
fsr-3485	287	1	the	the	DET
fsr-3485	287	2	economic	economic	ADJ
fsr-3485	287	3	importance	importance	NOUN
fsr-3485	287	4	of	of	ADP
fsr-3485	287	5	financial	financial	ADJ
fsr-3485	287	6	literacy	literacy	NOUN
fsr-3485	287	7	:	:	PUNCT
fsr-3485	287	8	theory	theory	NOUN
fsr-3485	287	9	and	and	CCONJ
fsr-3485	287	10	evidence	evidence	NOUN
fsr-3485	287	11	.	.	PUNCT
fsr-3485	288	1	journal	journal	NOUN
fsr-3485	288	2	of	of	ADP
fsr-3485	288	3	economic	economic	ADJ
fsr-3485	288	4	literature	literature	NOUN
fsr-3485	288	5	,	,	PUNCT
fsr-3485	288	6	52	52	NUM
fsr-3485	288	7	,	,	PUNCT
fsr-3485	288	8	5–44	5–44	PROPN
fsr-3485	288	9	.	.	PUNCT
fsr-3485	288	10	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
fsr-3485	288	11	netemeyer	netemeyer	PROPN
fsr-3485	288	12	,	,	PUNCT
fsr-3485	288	13	r.	r.	PROPN
fsr-3485	288	14	g.	g.	PROPN
fsr-3485	288	15	,	,	PUNCT
fsr-3485	288	16	warmath	warmath	PROPN
fsr-3485	288	17	,	,	PUNCT
fsr-3485	288	18	d.	d.	PROPN
fsr-3485	288	19	,	,	PUNCT
fsr-3485	288	20	fernandes	fernandes	PROPN
fsr-3485	288	21	,	,	PUNCT
fsr-3485	288	22	d.	d.	PROPN
fsr-3485	288	23	,	,	PUNCT
fsr-3485	288	24	&	&	CCONJ
fsr-3485	288	25	lynch	lynch	PROPN
fsr-3485	288	26	,	,	PUNCT
fsr-3485	288	27	j.	j.	PROPN
fsr-3485	288	28	g.	g.	PROPN
fsr-3485	288	29	,	,	PUNCT
fsr-3485	288	30	jr	jr	PROPN
fsr-3485	288	31	.	.	PROPN
fsr-3485	288	32	(	(	PUNCT
fsr-3485	288	33	2018	2018	NUM
fsr-3485	288	34	)	)	PUNCT
fsr-3485	288	35	.	.	PUNCT
fsr-3485	289	1	how	how	SCONJ
fsr-3485	289	2	am	be	AUX
fsr-3485	289	3	i	i	PRON
fsr-3485	289	4	doing	do	VERB
fsr-3485	289	5	?	?	PUNCT
fsr-3485	290	1	perceived	perceive	VERB
fsr-3485	290	2	financial	financial	ADJ
fsr-3485	290	3	well	well	NOUN
fsr-3485	290	4	-	-	PUNCT
fsr-3485	290	5	being	being	NOUN
fsr-3485	290	6	,	,	PUNCT
fsr-3485	290	7	its	its	PRON
fsr-3485	290	8	potential	potential	ADJ
fsr-3485	290	9	antecedents	antecedent	NOUN
fsr-3485	290	10	,	,	PUNCT
fsr-3485	290	11	and	and	CCONJ
fsr-3485	290	12	its	its	PRON
fsr-3485	290	13	relation	relation	NOUN
fsr-3485	290	14	to	to	ADP
fsr-3485	290	15	overall	overall	ADJ
fsr-3485	290	16	well	well	ADV
fsr-3485	290	17	-	-	PUNCT
fsr-3485	290	18	being	being	NOUN
fsr-3485	290	19	.	.	PUNCT
fsr-3485	291	1	journal	journal	PROPN
fsr-3485	291	2	of	of	ADP
fsr-3485	291	3	consumer	consumer	NOUN
fsr-3485	291	4	research	research	NOUN
fsr-3485	291	5	,	,	PUNCT
fsr-3485	291	6	45	45	NUM
fsr-3485	291	7	,	,	PUNCT
fsr-3485	291	8	68	68	NUM
fsr-3485	291	9	–	–	SYM
fsr-3485	291	10	89	89	NUM
fsr-3485	291	11	.	.	PUNCT
fsr-3485	292	1	https://doi.org/10.1093/jcr/ucx109	https://doi.org/10.1093/jcr/ucx109	ADJ
fsr-3485	292	2	plagnol	plagnol	NOUN
fsr-3485	292	3	,	,	PUNCT
fsr-3485	292	4	a.	a.	NOUN
fsr-3485	292	5	c.	c.	PROPN
fsr-3485	292	6	(	(	PUNCT
fsr-3485	292	7	2011	2011	NUM
fsr-3485	292	8	)	)	PUNCT
fsr-3485	292	9	.	.	PUNCT
fsr-3485	293	1	financial	financial	ADJ
fsr-3485	293	2	satisfaction	satisfaction	NOUN
fsr-3485	293	3	over	over	ADP
fsr-3485	293	4	the	the	DET
fsr-3485	293	5	life	life	NOUN
fsr-3485	293	6	course	course	NOUN
fsr-3485	293	7	:	:	PUNCT
fsr-3485	293	8	the	the	DET
fsr-3485	293	9	influence	influence	NOUN
fsr-3485	293	10	of	of	ADP
fsr-3485	293	11	assets	asset	NOUN
fsr-3485	293	12	and	and	CCONJ
fsr-3485	293	13	liabilities	liability	NOUN
fsr-3485	293	14	.	.	PUNCT
fsr-3485	294	1	journal	journal	NOUN
fsr-3485	294	2	of	of	ADP
fsr-3485	294	3	economic	economic	ADJ
fsr-3485	294	4	psychology	psychology	NOUN
fsr-3485	294	5	,	,	PUNCT
fsr-3485	294	6	32	32	NUM
fsr-3485	294	7	,	,	PUNCT
fsr-3485	294	8	45–64	45–64	NUM
fsr-3485	294	9	.	.	PUNCT
fsr-3485	295	1	https://doi.org/10.1016/j.joep.2010.10.006	https://doi.org/10.1016/j.joep.2010.10.006	NOUN
fsr-3485	295	2	prawitz	prawitz	NOUN
fsr-3485	295	3	,	,	PUNCT
fsr-3485	295	4	a.	a.	PROPN
fsr-3485	295	5	d.	d.	PROPN
fsr-3485	295	6	,	,	PUNCT
fsr-3485	295	7	garman	garman	PROPN
fsr-3485	295	8	,	,	PUNCT
fsr-3485	295	9	e.	e.	PROPN
fsr-3485	295	10	t.	t.	PROPN
fsr-3485	295	11	,	,	PUNCT
fsr-3485	295	12	sorhaindo	sorhaindo	PROPN
fsr-3485	295	13	,	,	PUNCT
fsr-3485	295	14	b.	b.	PROPN
fsr-3485	295	15	,	,	PUNCT
fsr-3485	295	16	o’neill	o’neill	PROPN
fsr-3485	295	17	,	,	PUNCT
fsr-3485	295	18	b.	b.	PROPN
fsr-3485	295	19	,	,	PUNCT
fsr-3485	295	20	kim	kim	PROPN
fsr-3485	295	21	,	,	PUNCT
fsr-3485	295	22	j.	j.	PROPN
fsr-3485	295	23	,	,	PUNCT
fsr-3485	295	24	&	&	CCONJ
fsr-3485	295	25	drentea	drentea	NOUN
fsr-3485	295	26	,	,	PUNCT
fsr-3485	295	27	p.	p.	NOUN
fsr-3485	295	28	(	(	PUNCT
fsr-3485	295	29	2006	2006	NUM
fsr-3485	295	30	)	)	PUNCT
fsr-3485	295	31	.	.	PUNCT
fsr-3485	296	1	incharge	incharge	NOUN
fsr-3485	296	2	financial	financial	ADJ
fsr-3485	296	3	distress	distress	NOUN
fsr-3485	296	4	/	/	SYM
fsr-3485	296	5	financial	financial	ADJ
fsr-3485	296	6	well	well	ADV
fsr-3485	296	7	-	-	PUNCT
fsr-3485	296	8	being	being	NOUN
fsr-3485	296	9	scale	scale	NOUN
fsr-3485	296	10	:	:	PUNCT
fsr-3485	296	11	development	development	NOUN
fsr-3485	296	12	,	,	PUNCT
fsr-3485	296	13	administration	administration	NOUN
fsr-3485	296	14	,	,	PUNCT
fsr-3485	296	15	and	and	CCONJ
fsr-3485	296	16	score	score	NOUN
fsr-3485	296	17	interpretation	interpretation	NOUN
fsr-3485	296	18	.	.	PUNCT
fsr-3485	297	1	financial	financial	ADJ
fsr-3485	297	2	counseling	counseling	NOUN
fsr-3485	297	3	and	and	CCONJ
fsr-3485	297	4	planning	planning	NOUN
fsr-3485	297	5	,	,	PUNCT
fsr-3485	297	6	17	17	NUM
fsr-3485	297	7	,	,	PUNCT
fsr-3485	297	8	34–50	34–50	NUM
fsr-3485	297	9	.	.	PUNCT
fsr-3485	298	1	robb	robb	NOUN
fsr-3485	298	2	,	,	PUNCT
fsr-3485	298	3	c.	c.	PROPN
fsr-3485	298	4	a.	a.	PROPN
fsr-3485	298	5	,	,	PUNCT
fsr-3485	298	6	babiarz	babiarz	PROPN
fsr-3485	298	7	,	,	PUNCT
fsr-3485	298	8	p.	p.	NOUN
fsr-3485	298	9	,	,	PUNCT
fsr-3485	298	10	&	&	CCONJ
fsr-3485	298	11	woodyard	woodyard	PROPN
fsr-3485	298	12	,	,	PUNCT
fsr-3485	298	13	a.	a.	NOUN
fsr-3485	298	14	(	(	PUNCT
fsr-3485	298	15	2012	2012	NUM
fsr-3485	298	16	)	)	PUNCT
fsr-3485	298	17	.	.	PUNCT
fsr-3485	299	1	the	the	DET
fsr-3485	299	2	demand	demand	NOUN
fsr-3485	299	3	for	for	ADP
fsr-3485	299	4	financial	financial	ADJ
fsr-3485	299	5	professionals	professional	NOUN
fsr-3485	299	6	’	'	PUNCT
fsr-3485	299	7	advice	advice	NOUN
fsr-3485	299	8	:	:	PUNCT
fsr-3485	299	9	the	the	DET
fsr-3485	299	10	role	role	NOUN
fsr-3485	299	11	of	of	ADP
fsr-3485	299	12	financial	financial	ADJ
fsr-3485	299	13	knowledge	knowledge	NOUN
fsr-3485	299	14	,	,	PUNCT
fsr-3485	299	15	satisfaction	satisfaction	NOUN
fsr-3485	299	16	,	,	PUNCT
fsr-3485	299	17	and	and	CCONJ
fsr-3485	299	18	confidence	confidence	NOUN
fsr-3485	299	19	.	.	PUNCT
fsr-3485	300	1	financial	financial	ADJ
fsr-3485	300	2	services	service	NOUN
fsr-3485	300	3	review	review	NOUN
fsr-3485	300	4	,	,	PUNCT
fsr-3485	300	5	21(4	21(4	NUM
fsr-3485	300	6	)	)	PUNCT
fsr-3485	300	7	,	,	PUNCT
fsr-3485	300	8	291–305	291–305	NUM
fsr-3485	300	9	.	.	PUNCT
fsr-3485	301	1	shim	shim	NOUN
fsr-3485	301	2	,	,	PUNCT
fsr-3485	301	3	s.	s.	PROPN
fsr-3485	301	4	,	,	PUNCT
fsr-3485	301	5	xiao	xiao	PROPN
fsr-3485	301	6	,	,	PUNCT
fsr-3485	301	7	j.	j.	PROPN
fsr-3485	301	8	j.	j.	PROPN
fsr-3485	301	9	,	,	PUNCT
fsr-3485	301	10	barber	barber	PROPN
fsr-3485	301	11	,	,	PUNCT
fsr-3485	301	12	b.	b.	PROPN
fsr-3485	301	13	l.	l.	PROPN
fsr-3485	301	14	,	,	PUNCT
fsr-3485	301	15	&	&	CCONJ
fsr-3485	301	16	lyons	lyons	PROPN
fsr-3485	301	17	,	,	PUNCT
fsr-3485	301	18	a.	a.	NOUN
fsr-3485	301	19	c.	c.	PROPN
fsr-3485	301	20	(	(	PUNCT
fsr-3485	301	21	2009	2009	NUM
fsr-3485	301	22	)	)	PUNCT
fsr-3485	301	23	.	.	PUNCT
fsr-3485	302	1	pathways	pathway	NOUN
fsr-3485	302	2	to	to	ADP
fsr-3485	302	3	life	life	NOUN
fsr-3485	302	4	success	success	NOUN
fsr-3485	302	5	:	:	PUNCT
fsr-3485	302	6	a	a	DET
fsr-3485	302	7	conceptual	conceptual	ADJ
fsr-3485	302	8	model	model	NOUN
fsr-3485	302	9	of	of	ADP
fsr-3485	302	10	financial	financial	ADJ
fsr-3485	302	11	well	well	NOUN
fsr-3485	302	12	-	-	PUNCT
fsr-3485	302	13	being	being	NOUN
fsr-3485	302	14	for	for	ADP
fsr-3485	302	15	young	young	ADJ
fsr-3485	302	16	adults	adult	NOUN
fsr-3485	302	17	.	.	PUNCT
fsr-3485	303	1	journal	journal	NOUN
fsr-3485	303	2	of	of	ADP
fsr-3485	303	3	applied	apply	VERB
fsr-3485	303	4	developmental	developmental	ADJ
fsr-3485	303	5	psychology	psychology	NOUN
fsr-3485	303	6	,	,	PUNCT
fsr-3485	303	7	30	30	NUM
fsr-3485	303	8	,	,	PUNCT
fsr-3485	303	9	708–723	708–723	NUM
fsr-3485	303	10	.	.	PUNCT
fsr-3485	304	1	https://doi.org/	https://doi.org/	VERB
fsr-3485	304	2	10.1016	10.1016	NUM
fsr-3485	304	3	/	/	SYM
fsr-3485	304	4	j.appdev.2009.02.003	j.appdev.2009.02.003	PROPN
fsr-3485	304	5	tepper	tepper	PROPN
fsr-3485	304	6	,	,	PUNCT
fsr-3485	304	7	t.	t.	PROPN
fsr-3485	304	8	(	(	PUNCT
fsr-3485	304	9	2018	2018	NUM
fsr-3485	304	10	)	)	PUNCT
fsr-3485	304	11	.	.	PUNCT
fsr-3485	305	1	millennials	millennial	NOUN
fsr-3485	305	2	prefer	prefer	VERB
fsr-3485	305	3	cash	cash	NOUN
fsr-3485	305	4	over	over	ADP
fsr-3485	305	5	stocks	stock	NOUN
fsr-3485	305	6	–	–	PUNCT
fsr-3485	305	7	and	and	CCONJ
fsr-3485	305	8	it	it	PRON
fsr-3485	305	9	could	could	AUX
fsr-3485	305	10	cost	cost	VERB
fsr-3485	305	11	them	they	PRON
fsr-3485	305	12	millions	million	NOUN
fsr-3485	305	13	.	.	PUNCT
fsr-3485	306	1	bankrate	bankrate	PROPN
fsr-3485	306	2	.	.	PUNCT
fsr-3485	306	3	available	available	ADJ
fsr-3485	306	4	at	at	ADP
fsr-3485	306	5	https://www.bankrate.com/investing/financial-security-july-2018/	https://www.bankrate.com/investing/financial-security-july-2018/	ADV
fsr-3485	306	6	urban	urban	ADJ
fsr-3485	306	7	,	,	PUNCT
fsr-3485	306	8	c.	c.	NOUN
fsr-3485	306	9	,	,	PUNCT
fsr-3485	306	10	schmeiser	schmeiser	ADJ
fsr-3485	306	11	,	,	PUNCT
fsr-3485	306	12	m.	m.	NOUN
fsr-3485	306	13	,	,	PUNCT
fsr-3485	306	14	collins	collins	PROPN
fsr-3485	306	15	,	,	PUNCT
fsr-3485	306	16	j.	j.	PROPN
fsr-3485	306	17	m.	m.	PROPN
fsr-3485	306	18	,	,	PUNCT
fsr-3485	306	19	&	&	CCONJ
fsr-3485	306	20	brown	brown	PROPN
fsr-3485	306	21	,	,	PUNCT
fsr-3485	306	22	a.	a.	NOUN
fsr-3485	306	23	(	(	PUNCT
fsr-3485	306	24	2015	2015	NUM
fsr-3485	306	25	)	)	PUNCT
fsr-3485	306	26	.	.	PUNCT
fsr-3485	307	1	state	state	NOUN
fsr-3485	307	2	financial	financial	ADJ
fsr-3485	307	3	education	education	NOUN
fsr-3485	307	4	mandates	mandate	NOUN
fsr-3485	307	5	:	:	PUNCT
fsr-3485	307	6	it	it	PRON
fsr-3485	307	7	’s	’	VERB
fsr-3485	307	8	all	all	PRON
fsr-3485	307	9	in	in	ADP
fsr-3485	307	10	the	the	DET
fsr-3485	307	11	implementation	implementation	NOUN
fsr-3485	307	12	.	.	PUNCT
fsr-3485	308	1	washington	washington	PROPN
fsr-3485	308	2	,	,	PUNCT
fsr-3485	308	3	dc	dc	PROPN
fsr-3485	308	4	:	:	PUNCT
fsr-3485	308	5	finra	finra	PROPN
fsr-3485	308	6	investor	investor	PROPN
fsr-3485	308	7	education	education	PROPN
fsr-3485	308	8	foundation	foundation	PROPN
fsr-3485	308	9	.	.	PUNCT
fsr-3485	309	1	available	available	ADJ
fsr-3485	309	2	at	at	ADP
fsr-3485	309	3	https://www	https://www	PROPN
fsr-3485	309	4	.	.	PUNCT
fsr-3485	310	1	finrafoundation.org/files/state-financial-education-mandates-its-all-implementation	finrafoundation.org/files/state-financial-education-mandates-its-all-implementation	NOUN
fsr-3485	310	2	vera	vera	NOUN
fsr-3485	310	3	-	-	PUNCT
fsr-3485	310	4	toscano	toscano	PROPN
fsr-3485	310	5	,	,	PUNCT
fsr-3485	310	6	e.	e.	PROPN
fsr-3485	310	7	,	,	PUNCT
fsr-3485	310	8	ateca	ateca	NOUN
fsr-3485	310	9	-	-	PUNCT
fsr-3485	310	10	amestoy	amestoy	NOUN
fsr-3485	310	11	,	,	PUNCT
fsr-3485	310	12	v.	v.	PROPN
fsr-3485	310	13	,	,	PUNCT
fsr-3485	310	14	&	&	CCONJ
fsr-3485	310	15	serrano	serrano	PROPN
fsr-3485	310	16	-	-	PUNCT
fsr-3485	310	17	del	del	NOUN
fsr-3485	310	18	-	-	PUNCT
fsr-3485	310	19	rosal	rosal	NOUN
fsr-3485	310	20	,	,	PUNCT
fsr-3485	310	21	r.	r.	PROPN
fsr-3485	310	22	(	(	PUNCT
fsr-3485	310	23	2006	2006	NUM
fsr-3485	310	24	)	)	PUNCT
fsr-3485	310	25	.	.	PUNCT
fsr-3485	311	1	building	build	VERB
fsr-3485	311	2	financial	financial	ADJ
fsr-3485	311	3	satisfaction	satisfaction	NOUN
fsr-3485	311	4	.	.	PUNCT
fsr-3485	312	1	social	social	ADJ
fsr-3485	312	2	indicators	indicator	NOUN
fsr-3485	312	3	research	research	VERB
fsr-3485	312	4	,	,	PUNCT
fsr-3485	312	5	77	77	NUM
fsr-3485	312	6	,	,	PUNCT
fsr-3485	312	7	211–243	211–243	NUM
fsr-3485	312	8	.	.	PUNCT
fsr-3485	313	1	https://doi.org/10.1007/s11205-005-2614-3	https://doi.org/10.1007/s11205-005-2614-3	NUM
fsr-3485	313	2	west	west	PROPN
fsr-3485	313	3	,	,	PUNCT
fsr-3485	313	4	t.	t.	PROPN
fsr-3485	313	5	,	,	PUNCT
fsr-3485	313	6	cull	cull	NOUN
fsr-3485	313	7	,	,	PUNCT
fsr-3485	313	8	m.	m.	NOUN
fsr-3485	313	9	,	,	PUNCT
fsr-3485	313	10	&	&	CCONJ
fsr-3485	313	11	johnson	johnson	PROPN
fsr-3485	313	12	,	,	PUNCT
fsr-3485	313	13	d.	d.	PROPN
fsr-3485	313	14	(	(	PUNCT
fsr-3485	313	15	2021	2021	NUM
fsr-3485	313	16	)	)	PUNCT
fsr-3485	313	17	.	.	PUNCT
fsr-3485	314	1	income	income	NOUN
fsr-3485	314	2	more	more	ADV
fsr-3485	314	3	important	important	ADJ
fsr-3485	314	4	than	than	ADP
fsr-3485	314	5	financial	financial	ADJ
fsr-3485	314	6	literacy	literacy	NOUN
fsr-3485	314	7	for	for	ADP
fsr-3485	314	8	improving	improve	VERB
fsr-3485	314	9	wellbeing	wellbee	VERB
fsr-3485	314	10	.	.	PUNCT
fsr-3485	315	1	financial	financial	ADJ
fsr-3485	315	2	services	service	NOUN
fsr-3485	315	3	review	review	PROPN
fsr-3485	315	4	,	,	PUNCT
fsr-3485	315	5	29(3	29(3	NUM
fsr-3485	315	6	)	)	PUNCT
fsr-3485	315	7	,	,	PUNCT
fsr-3485	315	8	187–207	187–207	NUM
fsr-3485	315	9	.	.	PUNCT
fsr-3485	316	1	west	west	PROPN
fsr-3485	316	2	,	,	PUNCT
fsr-3485	316	3	t.	t.	PROPN
fsr-3485	316	4	,	,	PUNCT
fsr-3485	316	5	&	&	CCONJ
fsr-3485	316	6	mitchell	mitchell	PROPN
fsr-3485	316	7	,	,	PUNCT
fsr-3485	316	8	e.	e.	PROPN
fsr-3485	316	9	(	(	PUNCT
fsr-3485	316	10	2022	2022	NUM
fsr-3485	316	11	)	)	PUNCT
fsr-3485	316	12	.	.	PUNCT
fsr-3485	317	1	australian	australian	ADJ
fsr-3485	317	2	women	woman	NOUN
fsr-3485	317	3	with	with	ADP
fsr-3485	317	4	good	good	ADJ
fsr-3485	317	5	financial	financial	ADJ
fsr-3485	317	6	knowledge	knowledge	NOUN
fsr-3485	317	7	fare	fare	VERB
fsr-3485	317	8	better	well	ADV
fsr-3485	317	9	in	in	ADP
fsr-3485	317	10	divorce	divorce	NOUN
fsr-3485	317	11	.	.	PUNCT
fsr-3485	318	1	australian	australian	ADJ
fsr-3485	318	2	journal	journal	NOUN
fsr-3485	318	3	of	of	ADP
fsr-3485	318	4	management	management	NOUN
fsr-3485	318	5	,	,	PUNCT
fsr-3485	318	6	47	47	NUM
fsr-3485	318	7	,	,	PUNCT
fsr-3485	318	8	203–224	203–224	NUM
fsr-3485	318	9	.	.	PUNCT
fsr-3485	319	1	https://doi.org/10.1177/03128962211022041	https://doi.org/10.1177/03128962211022041	PROPN
fsr-3485	319	2	wharton	wharton	PROPN
fsr-3485	319	3	.	.	PUNCT
fsr-3485	320	1	(	(	PUNCT
fsr-3485	320	2	2018	2018	NUM
fsr-3485	320	3	)	)	PUNCT
fsr-3485	320	4	.	.	PUNCT
fsr-3485	321	1	the	the	DET
fsr-3485	321	2	rise	rise	NOUN
fsr-3485	321	3	of	of	ADP
fsr-3485	321	4	the	the	DET
fsr-3485	321	5	robo	robo	NOUN
fsr-3485	321	6	-	-	PUNCT
fsr-3485	321	7	advisor	advisor	NOUN
fsr-3485	321	8	:	:	PUNCT
fsr-3485	321	9	how	how	SCONJ
fsr-3485	321	10	fintech	fintech	NOUN
fsr-3485	321	11	is	be	AUX
fsr-3485	321	12	disrupting	disrupt	VERB
fsr-3485	321	13	retirement	retirement	NOUN
fsr-3485	321	14	.	.	PUNCT
fsr-3485	322	1	knowledge@wharton	knowledge@wharton	PROPN
fsr-3485	322	2	.	.	PUNCT
fsr-3485	323	1	available	available	ADJ
fsr-3485	323	2	at	at	ADP
fsr-3485	323	3	https://knowledge.wharton.upenn.edu/article/rise-robo-advisor-fintech-disrupting-retirement/	https://knowledge.wharton.upenn.edu/article/rise-robo-advisor-fintech-disrupting-retirement/	PROPN
fsr-3485	323	4	204	204	NUM
fsr-3485	323	5	r.	r.	PROPN
fsr-3485	323	6	stebbins	stebbins	PROPN
fsr-3485	323	7	et	et	PROPN
fsr-3485	323	8	al	al	PROPN
fsr-3485	323	9	.	.	PUNCT
fsr-3485	323	10	/	/	SYM
fsr-3485	323	11	financial	financial	ADJ
fsr-3485	323	12	services	service	NOUN
fsr-3485	323	13	review	review	VERB
fsr-3485	323	14	30	30	NUM
fsr-3485	323	15	(	(	PUNCT
fsr-3485	323	16	2022	2022	NUM
fsr-3485	323	17	)	)	PUNCT
fsr-3485	323	18	191–204	191–204	NUM