id	sid	tid	token	lemma	pos
fsr-3486	1	1	financial	financial	ADJ
fsr-3486	1	2	literacy	literacy	NOUN
fsr-3486	1	3	and	and	CCONJ
fsr-3486	1	4	the	the	DET
fsr-3486	1	5	level	level	NOUN
fsr-3486	1	6	of	of	ADP
fsr-3486	1	7	financial	financial	ADJ
fsr-3486	1	8	planning	planning	NOUN
fsr-3486	1	9	individuals	individual	NOUN
fsr-3486	1	10	use	use	VERB
fsr-3486	1	11	lua	lua	PROPN
fsr-3486	1	12	a.	a.	PROPN
fsr-3486	1	13	v.	v.	PROPN
fsr-3486	1	14	augustina	augustina	PROPN
fsr-3486	1	15	,	,	PUNCT
fsr-3486	1	16	*	*	PROPN
fsr-3486	1	17	,	,	PUNCT
fsr-3486	1	18	terrance	terrance	PROPN
fsr-3486	1	19	k.	k.	PROPN
fsr-3486	1	20	martinb	martinb	PROPN
fsr-3486	1	21	aeisenberg	aeisenberg	PROPN
fsr-3486	1	22	college	college	PROPN
fsr-3486	1	23	of	of	ADP
fsr-3486	1	24	business	business	NOUN
fsr-3486	1	25	,	,	PUNCT
fsr-3486	1	26	slippery	slippery	ADJ
fsr-3486	1	27	rock	rock	NOUN
fsr-3486	1	28	university	university	PROPN
fsr-3486	1	29	,	,	PUNCT
fsr-3486	1	30	rm	rm	PROPN
fsr-3486	1	31	308a	308a	PROPN
fsr-3486	1	32	,	,	PUNCT
fsr-3486	1	33	1	1	NUM
fsr-3486	1	34	morrow	morrow	NOUN
fsr-3486	1	35	way	way	NOUN
fsr-3486	1	36	,	,	PUNCT
fsr-3486	1	37	slippery	slippery	ADJ
fsr-3486	1	38	rock	rock	NOUN
fsr-3486	1	39	,	,	PUNCT
fsr-3486	1	40	pa	pa	PROPN
fsr-3486	1	41	16057	16057	NUM
fsr-3486	1	42	,	,	PUNCT
fsr-3486	1	43	usa	usa	PROPN
fsr-3486	1	44	bcollege	bcollege	PROPN
fsr-3486	1	45	of	of	ADP
fsr-3486	1	46	arts	art	NOUN
fsr-3486	1	47	,	,	PUNCT
fsr-3486	1	48	sciences	science	NOUN
fsr-3486	1	49	,	,	PUNCT
fsr-3486	1	50	business	business	NOUN
fsr-3486	1	51	,	,	PUNCT
fsr-3486	1	52	and	and	CCONJ
fsr-3486	1	53	education	education	NOUN
fsr-3486	1	54	,	,	PUNCT
fsr-3486	1	55	winston	winston	PROPN
fsr-3486	1	56	-	-	PUNCT
fsr-3486	1	57	salem	salem	PROPN
fsr-3486	1	58	state	state	NOUN
fsr-3486	1	59	university	university	PROPN
fsr-3486	1	60	,	,	PUNCT
fsr-3486	1	61	reynolds	reynolds	PROPN
fsr-3486	1	62	center	center	PROPN
fsr-3486	1	63	,	,	PUNCT
fsr-3486	1	64	rm	rm	PROPN
fsr-3486	1	65	111	111	NUM
fsr-3486	1	66	,	,	PUNCT
fsr-3486	1	67	601	601	NUM
fsr-3486	1	68	s.	s.	PROPN
fsr-3486	1	69	martin	martin	PROPN
fsr-3486	1	70	luther	luther	PROPN
fsr-3486	1	71	king	king	PROPN
fsr-3486	1	72	jr	jr	PROPN
fsr-3486	1	73	.	.	PROPN
fsr-3486	1	74	drive	drive	PROPN
fsr-3486	1	75	,	,	PUNCT
fsr-3486	1	76	winston	winston	PROPN
fsr-3486	1	77	-	-	PUNCT
fsr-3486	1	78	salem	salem	PROPN
fsr-3486	1	79	,	,	PUNCT
fsr-3486	1	80	nc	nc	PROPN
fsr-3486	1	81	27110	27110	NUM
fsr-3486	1	82	,	,	PUNCT
fsr-3486	1	83	usa	usa	PROPN
fsr-3486	1	84	abstract	abstract	NOUN
fsr-3486	1	85	there	there	PRON
fsr-3486	1	86	is	be	VERB
fsr-3486	1	87	little	little	ADJ
fsr-3486	1	88	evidence	evidence	NOUN
fsr-3486	1	89	in	in	ADP
fsr-3486	1	90	the	the	DET
fsr-3486	1	91	existing	exist	VERB
fsr-3486	1	92	literature	literature	NOUN
fsr-3486	1	93	on	on	ADP
fsr-3486	1	94	the	the	DET
fsr-3486	1	95	relationship	relationship	NOUN
fsr-3486	1	96	between	between	ADP
fsr-3486	1	97	financial	financial	ADJ
fsr-3486	1	98	literacy	literacy	NOUN
fsr-3486	1	99	and	and	CCONJ
fsr-3486	1	100	the	the	DET
fsr-3486	1	101	level	level	NOUN
fsr-3486	1	102	of	of	ADP
fsr-3486	1	103	financial	financial	ADJ
fsr-3486	1	104	planning	planning	NOUN
fsr-3486	1	105	that	that	PRON
fsr-3486	1	106	individuals	individual	NOUN
fsr-3486	1	107	use	use	VERB
fsr-3486	1	108	.	.	PUNCT
fsr-3486	2	1	different	different	ADJ
fsr-3486	2	2	financial	financial	ADJ
fsr-3486	2	3	decisions	decision	NOUN
fsr-3486	2	4	require	require	VERB
fsr-3486	2	5	varying	vary	VERB
fsr-3486	2	6	levels	level	NOUN
fsr-3486	2	7	of	of	ADP
fsr-3486	2	8	financial	financial	ADJ
fsr-3486	2	9	planning	planning	NOUN
fsr-3486	2	10	,	,	PUNCT
fsr-3486	2	11	ranging	range	VERB
fsr-3486	2	12	from	from	ADP
fsr-3486	2	13	simple	simple	ADJ
fsr-3486	2	14	planning	planning	NOUN
fsr-3486	2	15	to	to	ADP
fsr-3486	2	16	complex	complex	ADJ
fsr-3486	2	17	planning	planning	NOUN
fsr-3486	2	18	.	.	PUNCT
fsr-3486	3	1	these	these	DET
fsr-3486	3	2	decisions	decision	NOUN
fsr-3486	3	3	involve	involve	VERB
fsr-3486	3	4	tradeoffs	tradeoff	NOUN
fsr-3486	3	5	between	between	ADP
fsr-3486	3	6	taxes	taxis	NOUN
fsr-3486	3	7	,	,	PUNCT
fsr-3486	3	8	retirement	retirement	NOUN
fsr-3486	3	9	planning	planning	NOUN
fsr-3486	3	10	,	,	PUNCT
fsr-3486	3	11	and	and	CCONJ
fsr-3486	3	12	consumption	consumption	NOUN
fsr-3486	3	13	to	to	PART
fsr-3486	3	14	name	name	VERB
fsr-3486	3	15	a	a	DET
fsr-3486	3	16	few	few	ADJ
fsr-3486	3	17	.	.	PUNCT
fsr-3486	4	1	making	make	VERB
fsr-3486	4	2	these	these	DET
fsr-3486	4	3	decisions	decision	NOUN
fsr-3486	4	4	can	can	AUX
fsr-3486	4	5	be	be	AUX
fsr-3486	4	6	difficult	difficult	ADJ
fsr-3486	4	7	without	without	ADP
fsr-3486	4	8	the	the	DET
fsr-3486	4	9	right	right	ADJ
fsr-3486	4	10	knowledge	knowledge	NOUN
fsr-3486	4	11	,	,	PUNCT
fsr-3486	4	12	and	and	CCONJ
fsr-3486	4	13	financial	financial	ADJ
fsr-3486	4	14	literacy	literacy	NOUN
fsr-3486	4	15	can	can	AUX
fsr-3486	4	16	ease	ease	VERB
fsr-3486	4	17	the	the	DET
fsr-3486	4	18	decision	decision	NOUN
fsr-3486	4	19	-	-	PUNCT
fsr-3486	4	20	making	make	VERB
fsr-3486	4	21	process	process	NOUN
fsr-3486	4	22	.	.	PUNCT
fsr-3486	5	1	this	this	DET
fsr-3486	5	2	article	article	NOUN
fsr-3486	5	3	evaluates	evaluate	VERB
fsr-3486	5	4	the	the	DET
fsr-3486	5	5	relationship	relationship	NOUN
fsr-3486	5	6	between	between	ADP
fsr-3486	5	7	financial	financial	ADJ
fsr-3486	5	8	literacy	literacy	NOUN
fsr-3486	5	9	and	and	CCONJ
fsr-3486	5	10	the	the	DET
fsr-3486	5	11	level	level	NOUN
fsr-3486	5	12	of	of	ADP
fsr-3486	5	13	financial	financial	ADJ
fsr-3486	5	14	planning	planning	NOUN
fsr-3486	5	15	behavior	behavior	NOUN
fsr-3486	5	16	that	that	PRON
fsr-3486	5	17	individuals	individual	NOUN
fsr-3486	5	18	display	display	VERB
fsr-3486	5	19	.	.	PUNCT
fsr-3486	6	1	we	we	PRON
fsr-3486	6	2	use	use	VERB
fsr-3486	6	3	the	the	DET
fsr-3486	6	4	2012	2012	NUM
fsr-3486	6	5	and	and	CCONJ
fsr-3486	6	6	2014	2014	NUM
fsr-3486	6	7	waves	wave	NOUN
fsr-3486	6	8	of	of	ADP
fsr-3486	6	9	the	the	DET
fsr-3486	6	10	national	national	ADJ
fsr-3486	6	11	longitudinal	longitudinal	ADJ
fsr-3486	6	12	survey	survey	NOUN
fsr-3486	6	13	of	of	ADP
fsr-3486	6	14	youth	youth	NOUN
fsr-3486	6	15	(	(	PUNCT
fsr-3486	6	16	nlsy79	nlsy79	NOUN
fsr-3486	6	17	)	)	PUNCT
fsr-3486	6	18	and	and	CCONJ
fsr-3486	6	19	found	find	VERB
fsr-3486	6	20	that	that	SCONJ
fsr-3486	6	21	higher	high	ADJ
fsr-3486	6	22	levels	level	NOUN
fsr-3486	6	23	of	of	ADP
fsr-3486	6	24	financial	financial	ADJ
fsr-3486	6	25	literacy	literacy	NOUN
fsr-3486	6	26	are	be	AUX
fsr-3486	6	27	positively	positively	ADV
fsr-3486	6	28	associated	associate	VERB
fsr-3486	6	29	with	with	ADP
fsr-3486	6	30	more	more	ADJ
fsr-3486	6	31	“	"	PUNCT
fsr-3486	6	32	comprehensive	comprehensive	ADJ
fsr-3486	6	33	”	"	PUNCT
fsr-3486	6	34	levels	level	NOUN
fsr-3486	6	35	of	of	ADP
fsr-3486	6	36	financial	financial	ADJ
fsr-3486	6	37	planning	planning	NOUN
fsr-3486	6	38	behaviors	behavior	NOUN
fsr-3486	6	39	.	.	PUNCT
fsr-3486	7	1	the	the	DET
fsr-3486	7	2	results	result	NOUN
fsr-3486	7	3	of	of	ADP
fsr-3486	7	4	this	this	DET
fsr-3486	7	5	article	article	NOUN
fsr-3486	7	6	indicate	indicate	VERB
fsr-3486	7	7	that	that	SCONJ
fsr-3486	7	8	individuals	individual	NOUN
fsr-3486	7	9	at	at	ADP
fsr-3486	7	10	the	the	DET
fsr-3486	7	11	highest	high	ADJ
fsr-3486	7	12	level	level	NOUN
fsr-3486	7	13	of	of	ADP
fsr-3486	7	14	financial	financial	ADJ
fsr-3486	7	15	literacy	literacy	NOUN
fsr-3486	7	16	are	be	AUX
fsr-3486	7	17	more	more	ADV
fsr-3486	7	18	likely	likely	ADJ
fsr-3486	7	19	to	to	PART
fsr-3486	7	20	choose	choose	VERB
fsr-3486	7	21	“	"	PUNCT
fsr-3486	7	22	comprehensive	comprehensive	ADJ
fsr-3486	7	23	”	"	PUNCT
fsr-3486	7	24	planning	planning	NOUN
fsr-3486	7	25	over	over	ADP
fsr-3486	7	26	doing	do	VERB
fsr-3486	7	27	nothing	nothing	PRON
fsr-3486	7	28	at	at	ADV
fsr-3486	7	29	all	all	ADV
fsr-3486	7	30	.	.	PUNCT
fsr-3486	8	1	in	in	ADP
fsr-3486	8	2	addition	addition	NOUN
fsr-3486	8	3	,	,	PUNCT
fsr-3486	8	4	those	those	PRON
fsr-3486	8	5	with	with	ADP
fsr-3486	8	6	higher	high	ADJ
fsr-3486	8	7	levels	level	NOUN
fsr-3486	8	8	of	of	ADP
fsr-3486	8	9	financial	financial	ADJ
fsr-3486	8	10	literacy	literacy	NOUN
fsr-3486	8	11	are	be	AUX
fsr-3486	8	12	also	also	ADV
fsr-3486	8	13	more	more	ADV
fsr-3486	8	14	likely	likely	ADJ
fsr-3486	8	15	to	to	PART
fsr-3486	8	16	display	display	VERB
fsr-3486	8	17	some	some	DET
fsr-3486	8	18	level	level	NOUN
fsr-3486	8	19	of	of	ADP
fsr-3486	8	20	financial	financial	ADJ
fsr-3486	8	21	planning	planning	NOUN
fsr-3486	8	22	behavior	behavior	NOUN
fsr-3486	8	23	compared	compare	VERB
fsr-3486	8	24	with	with	ADP
fsr-3486	8	25	doing	do	VERB
fsr-3486	8	26	nothing	nothing	PRON
fsr-3486	8	27	at	at	ADV
fsr-3486	8	28	all	all	ADV
fsr-3486	8	29	.	.	PUNCT
fsr-3486	9	1	the	the	DET
fsr-3486	9	2	implications	implication	NOUN
fsr-3486	9	3	of	of	ADP
fsr-3486	9	4	this	this	PRON
fsr-3486	9	5	may	may	AUX
fsr-3486	9	6	support	support	VERB
fsr-3486	9	7	efforts	effort	NOUN
fsr-3486	9	8	related	relate	VERB
fsr-3486	9	9	to	to	ADP
fsr-3486	9	10	providing	provide	VERB
fsr-3486	9	11	broad	broad	ADJ
fsr-3486	9	12	based	base	VERB
fsr-3486	9	13	financial	financial	ADJ
fsr-3486	9	14	education	education	NOUN
fsr-3486	9	15	,	,	PUNCT
fsr-3486	9	16	with	with	ADP
fsr-3486	9	17	a	a	DET
fsr-3486	9	18	specific	specific	ADJ
fsr-3486	9	19	focus	focus	NOUN
fsr-3486	9	20	on	on	ADP
fsr-3486	9	21	the	the	DET
fsr-3486	9	22	value	value	NOUN
fsr-3486	9	23	of	of	ADP
fsr-3486	9	24	planning	planning	NOUN
fsr-3486	9	25	,	,	PUNCT
fsr-3486	9	26	in	in	ADP
fsr-3486	9	27	the	the	DET
fsr-3486	9	28	hopes	hope	NOUN
fsr-3486	9	29	increasing	increase	VERB
fsr-3486	9	30	the	the	DET
fsr-3486	9	31	financial	financial	ADJ
fsr-3486	9	32	literacy	literacy	NOUN
fsr-3486	9	33	and	and	CCONJ
fsr-3486	9	34	level	level	NOUN
fsr-3486	9	35	of	of	ADP
fsr-3486	9	36	planning	planning	NOUN
fsr-3486	9	37	of	of	ADP
fsr-3486	9	38	the	the	DET
fsr-3486	9	39	overall	overall	ADJ
fsr-3486	9	40	population	population	NOUN
fsr-3486	9	41	.	.	PUNCT
fsr-3486	10	1	©	©	PROPN
fsr-3486	10	2	2022	2022	NUM
fsr-3486	10	3	academy	academy	NOUN
fsr-3486	10	4	of	of	ADP
fsr-3486	10	5	financial	financial	ADJ
fsr-3486	10	6	services	service	NOUN
fsr-3486	10	7	.	.	PUNCT
fsr-3486	11	1	all	all	DET
fsr-3486	11	2	rights	right	NOUN
fsr-3486	11	3	reserved	reserve	VERB
fsr-3486	11	4	.	.	PUNCT
fsr-3486	12	1	jel	jel	PROPN
fsr-3486	12	2	classifications	classification	NOUN
fsr-3486	12	3	:	:	PUNCT
fsr-3486	12	4	g40	g40	NOUN
fsr-3486	12	5	;	;	PUNCT
fsr-3486	12	6	g41	g41	NOUN
fsr-3486	12	7	;	;	PUNCT
fsr-3486	12	8	g50	g50	NOUN
fsr-3486	12	9	;	;	PUNCT
fsr-3486	12	10	g53	g53	PROPN
fsr-3486	12	11	keywords	keyword	NOUN
fsr-3486	12	12	:	:	PUNCT
fsr-3486	12	13	financial	financial	ADJ
fsr-3486	12	14	literacy	literacy	NOUN
fsr-3486	12	15	;	;	PUNCT
fsr-3486	12	16	financial	financial	ADJ
fsr-3486	12	17	planner	planner	NOUN
fsr-3486	12	18	;	;	PUNCT
fsr-3486	12	19	financial	financial	ADJ
fsr-3486	12	20	advisor	advisor	NOUN
fsr-3486	12	21	1	1	NUM
fsr-3486	12	22	.	.	PUNCT
fsr-3486	12	23	introduction	introduction	NOUN
fsr-3486	12	24	although	although	SCONJ
fsr-3486	12	25	there	there	PRON
fsr-3486	12	26	is	be	VERB
fsr-3486	12	27	a	a	DET
fsr-3486	12	28	lot	lot	NOUN
fsr-3486	12	29	of	of	ADP
fsr-3486	12	30	research	research	NOUN
fsr-3486	12	31	on	on	ADP
fsr-3486	12	32	financial	financial	ADJ
fsr-3486	12	33	literacy	literacy	NOUN
fsr-3486	12	34	and	and	CCONJ
fsr-3486	12	35	financial	financial	ADJ
fsr-3486	12	36	planning	planning	NOUN
fsr-3486	12	37	,	,	PUNCT
fsr-3486	12	38	there	there	PRON
fsr-3486	12	39	is	be	VERB
fsr-3486	12	40	not	not	PART
fsr-3486	12	41	much	much	ADJ
fsr-3486	12	42	in	in	ADP
fsr-3486	12	43	the	the	DET
fsr-3486	12	44	way	way	NOUN
fsr-3486	12	45	of	of	ADP
fsr-3486	12	46	how	how	SCONJ
fsr-3486	12	47	financial	financial	ADJ
fsr-3486	12	48	literacy	literacy	NOUN
fsr-3486	12	49	is	be	AUX
fsr-3486	12	50	associated	associate	VERB
fsr-3486	12	51	with	with	ADP
fsr-3486	12	52	the	the	DET
fsr-3486	12	53	level	level	NOUN
fsr-3486	12	54	of	of	ADP
fsr-3486	12	55	financial	financial	ADJ
fsr-3486	12	56	planning	planning	NOUN
fsr-3486	12	57	*	*	PUNCT
fsr-3486	12	58	corresponding	correspond	VERB
fsr-3486	12	59	author	author	NOUN
fsr-3486	12	60	.	.	PUNCT
fsr-3486	13	1	tel	tel	PROPN
fsr-3486	13	2	.	.	PUNCT
fsr-3486	13	3	:	:	PUNCT
fsr-3486	14	1	+1	+1	ADJ
fsr-3486	14	2	-	-	PUNCT
fsr-3486	14	3	214	214	NUM
fsr-3486	14	4	-	-	PUNCT
fsr-3486	14	5	444	444	NUM
fsr-3486	14	6	-	-	SYM
fsr-3486	14	7	9631	9631	NUM
fsr-3486	14	8	;	;	PUNCT
fsr-3486	14	9	fax	fax	NOUN
fsr-3486	14	10	:	:	PUNCT
fsr-3486	14	11	724	724	NUM
fsr-3486	14	12	-	-	NUM
fsr-3486	14	13	738	738	NUM
fsr-3486	14	14	-	-	SYM
fsr-3486	14	15	2959	2959	NUM
fsr-3486	14	16	.	.	PUNCT
fsr-3486	15	1	e	e	X
fsr-3486	15	2	-	-	NOUN
fsr-3486	15	3	mail	mail	NOUN
fsr-3486	15	4	address	address	NOUN
fsr-3486	15	5	:	:	PUNCT
fsr-3486	15	6	lua.augustin@sru.edu	lua.augustin@sru.edu	VERB
fsr-3486	15	7	1057	1057	NUM
fsr-3486	15	8	-	-	SYM
fsr-3486	15	9	0810/22/$	0810/22/$	NUM
fsr-3486	15	10	–	–	PUNCT
fsr-3486	15	11	see	see	VERB
fsr-3486	15	12	front	front	ADJ
fsr-3486	15	13	matter	matter	NOUN
fsr-3486	15	14	©	©	PROPN
fsr-3486	15	15	2022	2022	NUM
fsr-3486	15	16	academy	academy	NOUN
fsr-3486	15	17	of	of	ADP
fsr-3486	15	18	financial	financial	ADJ
fsr-3486	15	19	services	service	NOUN
fsr-3486	15	20	.	.	PUNCT
fsr-3486	16	1	all	all	DET
fsr-3486	16	2	rights	right	NOUN
fsr-3486	16	3	reserved	reserve	VERB
fsr-3486	16	4	.	.	PUNCT
fsr-3486	17	1	financial	financial	ADJ
fsr-3486	17	2	services	service	NOUN
fsr-3486	17	3	review	review	VERB
fsr-3486	17	4	30	30	NUM
fsr-3486	17	5	(	(	PUNCT
fsr-3486	17	6	2022	2022	NUM
fsr-3486	17	7	)	)	PUNCT
fsr-3486	17	8	205–222	205–222	NUM
fsr-3486	17	9	consumers	consumer	NOUN
fsr-3486	17	10	use	use	VERB
fsr-3486	17	11	.	.	PUNCT
fsr-3486	18	1	we	we	PRON
fsr-3486	18	2	examine	examine	VERB
fsr-3486	18	3	the	the	DET
fsr-3486	18	4	role	role	NOUN
fsr-3486	18	5	financial	financial	ADJ
fsr-3486	18	6	literacy	literacy	NOUN
fsr-3486	18	7	plays	play	VERB
fsr-3486	18	8	in	in	ADP
fsr-3486	18	9	the	the	DET
fsr-3486	18	10	levels	level	NOUN
fsr-3486	18	11	of	of	ADP
fsr-3486	18	12	financial	financial	ADJ
fsr-3486	18	13	planning	planning	NOUN
fsr-3486	18	14	chosen	choose	VERB
fsr-3486	18	15	by	by	ADP
fsr-3486	18	16	individuals	individual	NOUN
fsr-3486	18	17	.	.	PUNCT
fsr-3486	19	1	financial	financial	ADJ
fsr-3486	19	2	decisions	decision	NOUN
fsr-3486	19	3	are	be	AUX
fsr-3486	19	4	complex	complex	ADJ
fsr-3486	19	5	,	,	PUNCT
fsr-3486	19	6	and	and	CCONJ
fsr-3486	19	7	some	some	DET
fsr-3486	19	8	level	level	NOUN
fsr-3486	19	9	of	of	ADP
fsr-3486	19	10	financial	financial	ADJ
fsr-3486	19	11	planning	planning	NOUN
fsr-3486	19	12	can	can	AUX
fsr-3486	19	13	help	help	VERB
fsr-3486	19	14	individuals	individual	NOUN
fsr-3486	19	15	navigate	navigate	VERB
fsr-3486	19	16	these	these	DET
fsr-3486	19	17	complex	complex	ADJ
fsr-3486	19	18	options	option	NOUN
fsr-3486	19	19	.	.	PUNCT
fsr-3486	20	1	as	as	SCONJ
fsr-3486	20	2	people	people	NOUN
fsr-3486	20	3	become	become	VERB
fsr-3486	20	4	financially	financially	ADV
fsr-3486	20	5	literate	literate	ADJ
fsr-3486	20	6	,	,	PUNCT
fsr-3486	20	7	they	they	PRON
fsr-3486	20	8	should	should	AUX
fsr-3486	20	9	become	become	VERB
fsr-3486	20	10	more	more	ADV
fsr-3486	20	11	aware	aware	ADJ
fsr-3486	20	12	of	of	ADP
fsr-3486	20	13	the	the	DET
fsr-3486	20	14	complexity	complexity	NOUN
fsr-3486	20	15	of	of	ADP
fsr-3486	20	16	their	their	PRON
fsr-3486	20	17	financial	financial	ADJ
fsr-3486	20	18	decisions	decision	NOUN
fsr-3486	20	19	,	,	PUNCT
fsr-3486	20	20	and	and	CCONJ
fsr-3486	20	21	as	as	ADP
fsr-3486	20	22	a	a	DET
fsr-3486	20	23	result	result	NOUN
fsr-3486	20	24	,	,	PUNCT
fsr-3486	20	25	consume	consume	VERB
fsr-3486	20	26	more	more	ADJ
fsr-3486	20	27	“	"	PUNCT
fsr-3486	20	28	comprehensive	comprehensive	ADJ
fsr-3486	20	29	”	"	PUNCT
fsr-3486	20	30	levels	level	NOUN
fsr-3486	20	31	of	of	ADP
fsr-3486	20	32	financial	financial	ADJ
fsr-3486	20	33	planning	planning	NOUN
fsr-3486	20	34	.	.	PUNCT
fsr-3486	21	1	comprehensive	comprehensive	ADJ
fsr-3486	21	2	financial	financial	ADJ
fsr-3486	21	3	planning	planning	NOUN
fsr-3486	21	4	covers	cover	VERB
fsr-3486	21	5	a	a	DET
fsr-3486	21	6	wider	wide	ADJ
fsr-3486	21	7	range	range	NOUN
fsr-3486	21	8	of	of	ADP
fsr-3486	21	9	financial	financial	ADJ
fsr-3486	21	10	situations	situation	NOUN
fsr-3486	21	11	than	than	ADP
fsr-3486	21	12	simpler	simple	ADJ
fsr-3486	21	13	forms	form	NOUN
fsr-3486	21	14	of	of	ADP
fsr-3486	21	15	planning	planning	NOUN
fsr-3486	21	16	.	.	PUNCT
fsr-3486	22	1	financial	financial	ADJ
fsr-3486	22	2	planning	planning	NOUN
fsr-3486	22	3	can	can	AUX
fsr-3486	22	4	range	range	VERB
fsr-3486	22	5	from	from	ADP
fsr-3486	22	6	simple	simple	ADJ
fsr-3486	22	7	to	to	ADP
fsr-3486	22	8	complex	complex	ADJ
fsr-3486	22	9	,	,	PUNCT
fsr-3486	22	10	depending	depend	VERB
fsr-3486	22	11	on	on	ADP
fsr-3486	22	12	the	the	DET
fsr-3486	22	13	knowledge	knowledge	NOUN
fsr-3486	22	14	,	,	PUNCT
fsr-3486	22	15	cost	cost	NOUN
fsr-3486	22	16	,	,	PUNCT
fsr-3486	22	17	and	and	CCONJ
fsr-3486	22	18	time	time	NOUN
fsr-3486	22	19	required	require	VERB
fsr-3486	22	20	.	.	PUNCT
fsr-3486	23	1	creating	create	VERB
fsr-3486	23	2	a	a	DET
fsr-3486	23	3	household	household	NOUN
fsr-3486	23	4	budget	budget	NOUN
fsr-3486	23	5	may	may	AUX
fsr-3486	23	6	be	be	AUX
fsr-3486	23	7	classified	classify	VERB
fsr-3486	23	8	as	as	ADP
fsr-3486	23	9	simple	simple	ADJ
fsr-3486	23	10	,	,	PUNCT
fsr-3486	23	11	while	while	SCONJ
fsr-3486	23	12	preparing	prepare	VERB
fsr-3486	23	13	intricate	intricate	ADJ
fsr-3486	23	14	tax	tax	NOUN
fsr-3486	23	15	returns	return	NOUN
fsr-3486	23	16	may	may	AUX
fsr-3486	23	17	be	be	AUX
fsr-3486	23	18	classified	classify	VERB
fsr-3486	23	19	as	as	ADP
fsr-3486	23	20	complex	complex	ADJ
fsr-3486	23	21	.	.	PUNCT
fsr-3486	24	1	an	an	DET
fsr-3486	24	2	individual	individual	NOUN
fsr-3486	24	3	with	with	ADP
fsr-3486	24	4	very	very	ADV
fsr-3486	24	5	little	little	ADJ
fsr-3486	24	6	knowledge	knowledge	NOUN
fsr-3486	24	7	can	can	AUX
fsr-3486	24	8	set	set	VERB
fsr-3486	24	9	up	up	ADP
fsr-3486	24	10	cash	cash	NOUN
fsr-3486	24	11	inflows	inflow	NOUN
fsr-3486	24	12	and	and	CCONJ
fsr-3486	24	13	outflows	outflow	NOUN
fsr-3486	24	14	and	and	CCONJ
fsr-3486	24	15	mistakes	mistake	NOUN
fsr-3486	24	16	would	would	AUX
fsr-3486	24	17	be	be	AUX
fsr-3486	24	18	minimal	minimal	ADJ
fsr-3486	24	19	.	.	PUNCT
fsr-3486	25	1	it	it	PRON
fsr-3486	25	2	takes	take	VERB
fsr-3486	25	3	more	more	ADJ
fsr-3486	25	4	knowledge	knowledge	NOUN
fsr-3486	25	5	and	and	CCONJ
fsr-3486	25	6	expertise	expertise	NOUN
fsr-3486	25	7	to	to	PART
fsr-3486	25	8	prepare	prepare	VERB
fsr-3486	25	9	items	item	NOUN
fsr-3486	25	10	such	such	ADJ
fsr-3486	25	11	as	as	ADP
fsr-3486	25	12	taxes	taxis	NOUN
fsr-3486	25	13	,	,	PUNCT
fsr-3486	25	14	especially	especially	ADV
fsr-3486	25	15	where	where	SCONJ
fsr-3486	25	16	there	there	PRON
fsr-3486	25	17	are	be	VERB
fsr-3486	25	18	multiple	multiple	ADJ
fsr-3486	25	19	income	income	NOUN
fsr-3486	25	20	sources	source	NOUN
fsr-3486	25	21	or	or	CCONJ
fsr-3486	25	22	tax	tax	NOUN
fsr-3486	25	23	brackets	bracket	NOUN
fsr-3486	25	24	.	.	PUNCT
fsr-3486	26	1	in	in	ADP
fsr-3486	26	2	this	this	DET
fsr-3486	26	3	case	case	NOUN
fsr-3486	26	4	,	,	PUNCT
fsr-3486	26	5	even	even	ADV
fsr-3486	26	6	what	what	PRON
fsr-3486	26	7	seems	seem	VERB
fsr-3486	26	8	to	to	PART
fsr-3486	26	9	be	be	AUX
fsr-3486	26	10	a	a	DET
fsr-3486	26	11	minor	minor	ADJ
fsr-3486	26	12	error	error	NOUN
fsr-3486	26	13	can	can	AUX
fsr-3486	26	14	result	result	VERB
fsr-3486	26	15	in	in	ADP
fsr-3486	26	16	large	large	ADJ
fsr-3486	26	17	financial	financial	ADJ
fsr-3486	26	18	costs	cost	NOUN
fsr-3486	26	19	.	.	PUNCT
fsr-3486	27	1	the	the	DET
fsr-3486	27	2	more	more	ADV
fsr-3486	27	3	complex	complex	ADJ
fsr-3486	27	4	the	the	DET
fsr-3486	27	5	financial	financial	ADJ
fsr-3486	27	6	task	task	NOUN
fsr-3486	27	7	and	and	CCONJ
fsr-3486	27	8	the	the	PRON
fsr-3486	27	9	higher	high	ADJ
fsr-3486	27	10	the	the	DET
fsr-3486	27	11	potential	potential	ADJ
fsr-3486	27	12	cost	cost	NOUN
fsr-3486	27	13	of	of	ADP
fsr-3486	27	14	mistakes	mistake	NOUN
fsr-3486	27	15	,	,	PUNCT
fsr-3486	27	16	the	the	DET
fsr-3486	27	17	more	more	ADV
fsr-3486	27	18	prudent	prudent	ADJ
fsr-3486	27	19	it	it	PRON
fsr-3486	27	20	would	would	AUX
fsr-3486	27	21	be	be	AUX
fsr-3486	27	22	to	to	PART
fsr-3486	27	23	engage	engage	VERB
fsr-3486	27	24	in	in	ADP
fsr-3486	27	25	acquiring	acquire	VERB
fsr-3486	27	26	financial	financial	ADJ
fsr-3486	27	27	education	education	NOUN
fsr-3486	27	28	.	.	PUNCT
fsr-3486	28	1	the	the	DET
fsr-3486	28	2	financial	financial	ADJ
fsr-3486	28	3	decisions	decision	NOUN
fsr-3486	28	4	made	make	VERB
fsr-3486	28	5	by	by	ADP
fsr-3486	28	6	individuals	individual	NOUN
fsr-3486	28	7	will	will	AUX
fsr-3486	28	8	affect	affect	VERB
fsr-3486	28	9	their	their	PRON
fsr-3486	28	10	quality	quality	NOUN
fsr-3486	28	11	of	of	ADP
fsr-3486	28	12	life	life	NOUN
fsr-3486	28	13	.	.	PUNCT
fsr-3486	29	1	because	because	SCONJ
fsr-3486	29	2	many	many	ADJ
fsr-3486	29	3	of	of	ADP
fsr-3486	29	4	these	these	DET
fsr-3486	29	5	decisions	decision	NOUN
fsr-3486	29	6	are	be	AUX
fsr-3486	29	7	complex	complex	ADJ
fsr-3486	29	8	,	,	PUNCT
fsr-3486	29	9	making	make	VERB
fsr-3486	29	10	the	the	DET
fsr-3486	29	11	right	right	ADJ
fsr-3486	29	12	decisions	decision	NOUN
fsr-3486	29	13	can	can	AUX
fsr-3486	29	14	be	be	AUX
fsr-3486	29	15	a	a	DET
fsr-3486	29	16	challenge	challenge	NOUN
fsr-3486	29	17	for	for	ADP
fsr-3486	29	18	those	those	PRON
fsr-3486	29	19	with	with	ADP
fsr-3486	29	20	limited	limited	ADJ
fsr-3486	29	21	financial	financial	ADJ
fsr-3486	29	22	knowledge	knowledge	NOUN
fsr-3486	29	23	.	.	PUNCT
fsr-3486	30	1	individuals	individual	NOUN
fsr-3486	30	2	selecting	select	VERB
fsr-3486	30	3	products	product	NOUN
fsr-3486	30	4	and	and	CCONJ
fsr-3486	30	5	strategies	strategy	NOUN
fsr-3486	30	6	must	must	AUX
fsr-3486	30	7	understand	understand	VERB
fsr-3486	30	8	performance	performance	NOUN
fsr-3486	30	9	and	and	CCONJ
fsr-3486	30	10	pricing	pricing	NOUN
fsr-3486	30	11	characteristics	characteristic	NOUN
fsr-3486	30	12	,	,	PUNCT
fsr-3486	30	13	ever	ever	ADV
fsr-3486	30	14	-	-	PUNCT
fsr-3486	30	15	changing	change	VERB
fsr-3486	30	16	tax	tax	NOUN
fsr-3486	30	17	laws	law	NOUN
fsr-3486	30	18	,	,	PUNCT
fsr-3486	30	19	the	the	DET
fsr-3486	30	20	value	value	NOUN
fsr-3486	30	21	of	of	ADP
fsr-3486	30	22	money	money	NOUN
fsr-3486	30	23	over	over	ADP
fsr-3486	30	24	long	long	ADJ
fsr-3486	30	25	periods	period	NOUN
fsr-3486	30	26	of	of	ADP
fsr-3486	30	27	time	time	NOUN
fsr-3486	30	28	,	,	PUNCT
fsr-3486	30	29	and	and	CCONJ
fsr-3486	30	30	the	the	DET
fsr-3486	30	31	basics	basic	NOUN
fsr-3486	30	32	of	of	ADP
fsr-3486	30	33	financial	financial	ADJ
fsr-3486	30	34	theory	theory	NOUN
fsr-3486	30	35	.	.	PUNCT
fsr-3486	31	1	all	all	PRON
fsr-3486	31	2	of	of	ADP
fsr-3486	31	3	these	these	DET
fsr-3486	31	4	factors	factor	NOUN
fsr-3486	31	5	can	can	AUX
fsr-3486	31	6	be	be	AUX
fsr-3486	31	7	very	very	ADV
fsr-3486	31	8	confusing	confusing	ADJ
fsr-3486	31	9	to	to	ADP
fsr-3486	31	10	the	the	DET
fsr-3486	31	11	average	average	ADJ
fsr-3486	31	12	consumer	consumer	NOUN
fsr-3486	31	13	,	,	PUNCT
fsr-3486	31	14	which	which	PRON
fsr-3486	31	15	would	would	AUX
fsr-3486	31	16	suggest	suggest	VERB
fsr-3486	31	17	that	that	SCONJ
fsr-3486	31	18	individuals	individual	NOUN
fsr-3486	31	19	would	would	AUX
fsr-3486	31	20	benefit	benefit	VERB
fsr-3486	31	21	from	from	ADP
fsr-3486	31	22	increased	increase	VERB
fsr-3486	31	23	financial	financial	ADJ
fsr-3486	31	24	knowledge	knowledge	NOUN
fsr-3486	31	25	and	and	CCONJ
fsr-3486	31	26	planning	planning	NOUN
fsr-3486	31	27	(	(	PUNCT
fsr-3486	31	28	bae	bae	PROPN
fsr-3486	31	29	&	&	CCONJ
fsr-3486	31	30	sandager	sandager	PROPN
fsr-3486	31	31	,	,	PUNCT
fsr-3486	31	32	1997	1997	NUM
fsr-3486	31	33	;	;	PUNCT
fsr-3486	31	34	calcagno	calcagno	NOUN
fsr-3486	31	35	&	&	CCONJ
fsr-3486	31	36	monticone	monticone	PROPN
fsr-3486	31	37	,	,	PUNCT
fsr-3486	31	38	2015	2015	NUM
fsr-3486	31	39	)	)	PUNCT
fsr-3486	31	40	.	.	PUNCT
fsr-3486	32	1	a	a	DET
fsr-3486	32	2	question	question	NOUN
fsr-3486	32	3	that	that	PRON
fsr-3486	32	4	remains	remain	VERB
fsr-3486	32	5	is	be	AUX
fsr-3486	32	6	,	,	PUNCT
fsr-3486	32	7	are	be	AUX
fsr-3486	32	8	people	people	NOUN
fsr-3486	32	9	with	with	ADP
fsr-3486	32	10	higher	high	ADJ
fsr-3486	32	11	levels	level	NOUN
fsr-3486	32	12	of	of	ADP
fsr-3486	32	13	financial	financial	ADJ
fsr-3486	32	14	literacy	literacy	NOUN
fsr-3486	32	15	more	more	ADV
fsr-3486	32	16	aware	aware	ADJ
fsr-3486	32	17	of	of	ADP
fsr-3486	32	18	the	the	DET
fsr-3486	32	19	varying	vary	VERB
fsr-3486	32	20	complexity	complexity	NOUN
fsr-3486	32	21	of	of	ADP
fsr-3486	32	22	financial	financial	ADJ
fsr-3486	32	23	decisions	decision	NOUN
fsr-3486	32	24	and	and	CCONJ
fsr-3486	32	25	the	the	DET
fsr-3486	32	26	value	value	NOUN
fsr-3486	32	27	of	of	ADP
fsr-3486	32	28	financial	financial	ADJ
fsr-3486	32	29	planning	planning	NOUN
fsr-3486	32	30	?	?	PUNCT
fsr-3486	33	1	financial	financial	ADJ
fsr-3486	33	2	literacy	literacy	NOUN
fsr-3486	33	3	leads	lead	VERB
fsr-3486	33	4	to	to	ADP
fsr-3486	33	5	awareness	awareness	NOUN
fsr-3486	33	6	of	of	ADP
fsr-3486	33	7	the	the	DET
fsr-3486	33	8	intricacies	intricacy	NOUN
fsr-3486	33	9	of	of	ADP
fsr-3486	33	10	financial	financial	ADJ
fsr-3486	33	11	assets	asset	NOUN
fsr-3486	33	12	and	and	CCONJ
fsr-3486	33	13	this	this	DET
fsr-3486	33	14	awareness	awareness	NOUN
fsr-3486	33	15	should	should	AUX
fsr-3486	33	16	encourage	encourage	VERB
fsr-3486	33	17	people	people	NOUN
fsr-3486	33	18	to	to	PART
fsr-3486	33	19	make	make	VERB
fsr-3486	33	20	better	well	ADJ
fsr-3486	33	21	plans	plan	NOUN
fsr-3486	33	22	.	.	PUNCT
fsr-3486	34	1	individuals	individual	NOUN
fsr-3486	34	2	with	with	ADP
fsr-3486	34	3	high	high	ADJ
fsr-3486	34	4	financial	financial	ADJ
fsr-3486	34	5	literacy	literacy	NOUN
fsr-3486	34	6	tend	tend	VERB
fsr-3486	34	7	to	to	PART
fsr-3486	34	8	make	make	VERB
fsr-3486	34	9	better	well	ADJ
fsr-3486	34	10	decisions	decision	NOUN
fsr-3486	34	11	than	than	ADP
fsr-3486	34	12	those	those	PRON
fsr-3486	34	13	with	with	ADP
fsr-3486	34	14	low	low	ADJ
fsr-3486	34	15	literacy	literacy	NOUN
fsr-3486	34	16	.	.	PUNCT
fsr-3486	35	1	they	they	PRON
fsr-3486	35	2	also	also	ADV
fsr-3486	35	3	tend	tend	VERB
fsr-3486	35	4	to	to	PART
fsr-3486	35	5	engage	engage	VERB
fsr-3486	35	6	in	in	ADP
fsr-3486	35	7	more	more	ADJ
fsr-3486	35	8	complex	complex	ADJ
fsr-3486	35	9	forms	form	NOUN
fsr-3486	35	10	of	of	ADP
fsr-3486	35	11	financial	financial	ADJ
fsr-3486	35	12	planning	planning	NOUN
fsr-3486	35	13	behavior	behavior	NOUN
fsr-3486	35	14	,	,	PUNCT
fsr-3486	35	15	and	and	CCONJ
fsr-3486	35	16	better	well	ADJ
fsr-3486	35	17	planning	planning	NOUN
fsr-3486	35	18	is	be	AUX
fsr-3486	35	19	associated	associate	VERB
fsr-3486	35	20	with	with	ADP
fsr-3486	35	21	better	well	ADJ
fsr-3486	35	22	outcomes	outcome	NOUN
fsr-3486	35	23	(	(	PUNCT
fsr-3486	35	24	hilgert	hilgert	PROPN
fsr-3486	35	25	,	,	PUNCT
fsr-3486	35	26	hogarth	hogarth	NOUN
fsr-3486	35	27	,	,	PUNCT
fsr-3486	35	28	&	&	CCONJ
fsr-3486	35	29	beverly	beverly	PROPN
fsr-3486	35	30	,	,	PUNCT
fsr-3486	35	31	2003	2003	NUM
fsr-3486	35	32	)	)	PUNCT
fsr-3486	35	33	.	.	PUNCT
fsr-3486	36	1	in	in	ADP
fsr-3486	36	2	many	many	ADJ
fsr-3486	36	3	cases	case	NOUN
fsr-3486	36	4	,	,	PUNCT
fsr-3486	36	5	financial	financial	ADJ
fsr-3486	36	6	advice	advice	NOUN
fsr-3486	36	7	serves	serve	VERB
fsr-3486	36	8	as	as	ADP
fsr-3486	36	9	a	a	DET
fsr-3486	36	10	complement	complement	NOUN
fsr-3486	36	11	to	to	ADP
fsr-3486	36	12	financial	financial	ADJ
fsr-3486	36	13	literacy	literacy	NOUN
fsr-3486	36	14	(	(	PUNCT
fsr-3486	36	15	calcagno	calcagno	NOUN
fsr-3486	36	16	&	&	CCONJ
fsr-3486	36	17	monticone	monticone	PROPN
fsr-3486	36	18	,	,	PUNCT
fsr-3486	36	19	2015	2015	NUM
fsr-3486	36	20	;	;	PUNCT
fsr-3486	36	21	collins	collin	NOUN
fsr-3486	36	22	,	,	PUNCT
fsr-3486	36	23	2012	2012	NUM
fsr-3486	36	24	)	)	PUNCT
fsr-3486	36	25	,	,	PUNCT
fsr-3486	36	26	as	as	SCONJ
fsr-3486	36	27	the	the	DET
fsr-3486	36	28	more	more	ADV
fsr-3486	36	29	literate	literate	ADJ
fsr-3486	36	30	tend	tend	VERB
fsr-3486	36	31	to	to	PART
fsr-3486	36	32	seek	seek	VERB
fsr-3486	36	33	advice	advice	NOUN
fsr-3486	36	34	.	.	PUNCT
fsr-3486	37	1	those	those	PRON
fsr-3486	37	2	with	with	ADP
fsr-3486	37	3	low	low	ADJ
fsr-3486	37	4	levels	level	NOUN
fsr-3486	37	5	of	of	ADP
fsr-3486	37	6	literacy	literacy	NOUN
fsr-3486	37	7	,	,	PUNCT
fsr-3486	37	8	financial	financial	ADJ
fsr-3486	37	9	or	or	CCONJ
fsr-3486	37	10	otherwise	otherwise	ADV
fsr-3486	37	11	,	,	PUNCT
fsr-3486	37	12	tend	tend	VERB
fsr-3486	37	13	to	to	PART
fsr-3486	37	14	be	be	AUX
fsr-3486	37	15	less	less	ADV
fsr-3486	37	16	inclined	inclined	ADJ
fsr-3486	37	17	to	to	PART
fsr-3486	37	18	engage	engage	VERB
fsr-3486	37	19	in	in	ADP
fsr-3486	37	20	financial	financial	ADJ
fsr-3486	37	21	planning	planning	NOUN
fsr-3486	37	22	activities	activity	NOUN
fsr-3486	37	23	(	(	PUNCT
fsr-3486	37	24	cole	cole	PROPN
fsr-3486	37	25	,	,	PUNCT
fsr-3486	37	26	sampson	sampson	PROPN
fsr-3486	37	27	,	,	PUNCT
fsr-3486	37	28	&	&	CCONJ
fsr-3486	37	29	zia	zia	PROPN
fsr-3486	37	30	,	,	PUNCT
fsr-3486	37	31	2010	2010	NUM
fsr-3486	37	32	)	)	PUNCT
fsr-3486	37	33	.	.	PUNCT
fsr-3486	38	1	they	they	PRON
fsr-3486	38	2	are	be	AUX
fsr-3486	38	3	more	more	ADV
fsr-3486	38	4	likely	likely	ADJ
fsr-3486	38	5	to	to	PART
fsr-3486	38	6	do	do	VERB
fsr-3486	38	7	nothing	nothing	PRON
fsr-3486	38	8	at	at	ADV
fsr-3486	38	9	all	all	ADV
fsr-3486	38	10	when	when	SCONJ
fsr-3486	38	11	it	it	PRON
fsr-3486	38	12	comes	come	VERB
fsr-3486	38	13	to	to	ADP
fsr-3486	38	14	managing	manage	VERB
fsr-3486	38	15	their	their	PRON
fsr-3486	38	16	finances	finance	NOUN
fsr-3486	38	17	.	.	PUNCT
fsr-3486	39	1	there	there	PRON
fsr-3486	39	2	is	be	VERB
fsr-3486	39	3	evidence	evidence	NOUN
fsr-3486	39	4	that	that	SCONJ
fsr-3486	39	5	those	those	PRON
fsr-3486	39	6	with	with	ADP
fsr-3486	39	7	higher	high	ADJ
fsr-3486	39	8	levels	level	NOUN
fsr-3486	39	9	of	of	ADP
fsr-3486	39	10	financial	financial	ADJ
fsr-3486	39	11	literacy	literacy	NOUN
fsr-3486	39	12	are	be	AUX
fsr-3486	39	13	more	more	ADV
fsr-3486	39	14	likely	likely	ADJ
fsr-3486	39	15	to	to	PART
fsr-3486	39	16	seek	seek	VERB
fsr-3486	39	17	professional	professional	ADJ
fsr-3486	39	18	advice	advice	NOUN
fsr-3486	39	19	(	(	PUNCT
fsr-3486	39	20	calcagno	calcagno	NOUN
fsr-3486	39	21	&	&	CCONJ
fsr-3486	39	22	monticone	monticone	PROPN
fsr-3486	39	23	,	,	PUNCT
fsr-3486	39	24	2015	2015	NUM
fsr-3486	39	25	;	;	PUNCT
fsr-3486	39	26	kramer	kramer	PROPN
fsr-3486	39	27	,	,	PUNCT
fsr-3486	39	28	2012	2012	NUM
fsr-3486	39	29	)	)	PUNCT
fsr-3486	39	30	,	,	PUNCT
fsr-3486	39	31	indicating	indicate	VERB
fsr-3486	39	32	financial	financial	ADJ
fsr-3486	39	33	literacy	literacy	NOUN
fsr-3486	39	34	may	may	AUX
fsr-3486	39	35	be	be	AUX
fsr-3486	39	36	a	a	DET
fsr-3486	39	37	complement	complement	NOUN
fsr-3486	39	38	to	to	ADP
fsr-3486	39	39	advice	advice	NOUN
fsr-3486	39	40	(	(	PUNCT
fsr-3486	39	41	calcagno	calcagno	NOUN
fsr-3486	39	42	&	&	CCONJ
fsr-3486	39	43	monticone	monticone	PROPN
fsr-3486	39	44	,	,	PUNCT
fsr-3486	39	45	2015	2015	NUM
fsr-3486	39	46	)	)	PUNCT
fsr-3486	39	47	.	.	PUNCT
fsr-3486	40	1	if	if	SCONJ
fsr-3486	40	2	financial	financial	ADJ
fsr-3486	40	3	literacy	literacy	NOUN
fsr-3486	40	4	is	be	AUX
fsr-3486	40	5	a	a	DET
fsr-3486	40	6	complement	complement	NOUN
fsr-3486	40	7	to	to	ADP
fsr-3486	40	8	financial	financial	ADJ
fsr-3486	40	9	planning	planning	NOUN
fsr-3486	40	10	,	,	PUNCT
fsr-3486	40	11	then	then	ADV
fsr-3486	40	12	financial	financial	ADJ
fsr-3486	40	13	literacy	literacy	NOUN
fsr-3486	40	14	efforts	effort	NOUN
fsr-3486	40	15	may	may	AUX
fsr-3486	40	16	increase	increase	VERB
fsr-3486	40	17	demand	demand	NOUN
fsr-3486	40	18	for	for	ADP
fsr-3486	40	19	professional	professional	ADJ
fsr-3486	40	20	financial	financial	ADJ
fsr-3486	40	21	planning	planning	NOUN
fsr-3486	40	22	services	service	NOUN
fsr-3486	40	23	.	.	PUNCT
fsr-3486	41	1	we	we	PRON
fsr-3486	41	2	analyze	analyze	VERB
fsr-3486	41	3	responses	response	NOUN
fsr-3486	41	4	from	from	ADP
fsr-3486	41	5	the	the	DET
fsr-3486	41	6	2012	2012	NUM
fsr-3486	41	7	and	and	CCONJ
fsr-3486	41	8	2014	2014	NUM
fsr-3486	41	9	waves	wave	NOUN
fsr-3486	41	10	of	of	ADP
fsr-3486	41	11	the	the	DET
fsr-3486	41	12	national	national	ADJ
fsr-3486	41	13	longitudinal	longitudinal	ADJ
fsr-3486	41	14	survey	survey	NOUN
fsr-3486	41	15	of	of	ADP
fsr-3486	41	16	youth	youth	NOUN
fsr-3486	41	17	(	(	PUNCT
fsr-3486	41	18	nlsy79	nlsy79	ADJ
fsr-3486	41	19	)	)	PUNCT
fsr-3486	41	20	and	and	CCONJ
fsr-3486	41	21	evaluate	evaluate	VERB
fsr-3486	41	22	the	the	DET
fsr-3486	41	23	relationship	relationship	NOUN
fsr-3486	41	24	between	between	ADP
fsr-3486	41	25	financial	financial	ADJ
fsr-3486	41	26	literacy	literacy	NOUN
fsr-3486	41	27	and	and	CCONJ
fsr-3486	41	28	the	the	DET
fsr-3486	41	29	use	use	NOUN
fsr-3486	41	30	of	of	ADP
fsr-3486	41	31	financial	financial	ADJ
fsr-3486	41	32	planning	planning	NOUN
fsr-3486	41	33	at	at	ADP
fsr-3486	41	34	various	various	ADJ
fsr-3486	41	35	levels	level	NOUN
fsr-3486	41	36	and	and	CCONJ
fsr-3486	41	37	found	find	VERB
fsr-3486	41	38	support	support	NOUN
fsr-3486	41	39	for	for	ADP
fsr-3486	41	40	our	our	PRON
fsr-3486	41	41	hypotheses	hypothesis	NOUN
fsr-3486	41	42	.	.	PUNCT
fsr-3486	42	1	we	we	PRON
fsr-3486	42	2	found	find	VERB
fsr-3486	42	3	that	that	SCONJ
fsr-3486	42	4	as	as	SCONJ
fsr-3486	42	5	financial	financial	ADJ
fsr-3486	42	6	literacy	literacy	NOUN
fsr-3486	42	7	levels	level	NOUN
fsr-3486	42	8	increase	increase	VERB
fsr-3486	42	9	,	,	PUNCT
fsr-3486	42	10	they	they	PRON
fsr-3486	42	11	are	be	AUX
fsr-3486	42	12	positively	positively	ADV
fsr-3486	42	13	associated	associate	VERB
fsr-3486	42	14	with	with	ADP
fsr-3486	42	15	demand	demand	NOUN
fsr-3486	42	16	for	for	ADP
fsr-3486	42	17	more	more	ADJ
fsr-3486	42	18	comprehensive	comprehensive	ADJ
fsr-3486	42	19	levels	level	NOUN
fsr-3486	42	20	of	of	ADP
fsr-3486	42	21	financial	financial	ADJ
fsr-3486	42	22	planning	planning	NOUN
fsr-3486	42	23	.	.	PUNCT
fsr-3486	43	1	we	we	PRON
fsr-3486	43	2	also	also	ADV
fsr-3486	43	3	found	find	VERB
fsr-3486	43	4	that	that	SCONJ
fsr-3486	43	5	decreases	decrease	NOUN
fsr-3486	43	6	in	in	ADP
fsr-3486	43	7	financial	financial	ADJ
fsr-3486	43	8	literacy	literacy	NOUN
fsr-3486	43	9	are	be	AUX
fsr-3486	43	10	negatively	negatively	ADV
fsr-3486	43	11	associated	associate	VERB
fsr-3486	43	12	with	with	ADP
fsr-3486	43	13	demand	demand	NOUN
fsr-3486	43	14	for	for	ADP
fsr-3486	43	15	more	more	ADJ
fsr-3486	43	16	comprehensive	comprehensive	ADJ
fsr-3486	43	17	levels	level	NOUN
fsr-3486	43	18	of	of	ADP
fsr-3486	43	19	financial	financial	ADJ
fsr-3486	43	20	planning	planning	NOUN
fsr-3486	43	21	.	.	PUNCT
fsr-3486	44	1	206	206	NUM
fsr-3486	44	2	l.	l.	PROPN
fsr-3486	44	3	a.	a.	PROPN
fsr-3486	44	4	v.	v.	PROPN
fsr-3486	44	5	augustin	augustin	PROPN
fsr-3486	44	6	and	and	CCONJ
fsr-3486	44	7	t.	t.	PROPN
fsr-3486	44	8	k.	k.	PROPN
fsr-3486	44	9	martin	martin	PROPN
fsr-3486	44	10	/	/	SYM
fsr-3486	44	11	financial	financial	ADJ
fsr-3486	44	12	services	service	NOUN
fsr-3486	44	13	review	review	VERB
fsr-3486	44	14	30	30	NUM
fsr-3486	44	15	(	(	PUNCT
fsr-3486	44	16	2022	2022	NUM
fsr-3486	44	17	)	)	PUNCT
fsr-3486	44	18	205–222	205–222	NUM
fsr-3486	44	19	2	2	NUM
fsr-3486	44	20	.	.	PUNCT
fsr-3486	45	1	literature	literature	PROPN
fsr-3486	45	2	review	review	VERB
fsr-3486	45	3	human	human	ADJ
fsr-3486	45	4	capital	capital	NOUN
fsr-3486	45	5	theory	theory	NOUN
fsr-3486	45	6	states	state	VERB
fsr-3486	45	7	that	that	SCONJ
fsr-3486	45	8	individuals	individual	NOUN
fsr-3486	45	9	will	will	AUX
fsr-3486	45	10	invest	invest	VERB
fsr-3486	45	11	in	in	ADP
fsr-3486	45	12	their	their	PRON
fsr-3486	45	13	human	human	ADJ
fsr-3486	45	14	capital	capital	NOUN
fsr-3486	45	15	if	if	SCONJ
fsr-3486	45	16	the	the	DET
fsr-3486	45	17	benefits	benefit	NOUN
fsr-3486	45	18	outweigh	outweigh	VERB
fsr-3486	45	19	the	the	DET
fsr-3486	45	20	costs	cost	NOUN
fsr-3486	45	21	of	of	ADP
fsr-3486	45	22	doing	do	VERB
fsr-3486	45	23	so	so	ADV
fsr-3486	45	24	(	(	PUNCT
fsr-3486	45	25	becker	becker	NOUN
fsr-3486	45	26	,	,	PUNCT
fsr-3486	45	27	1994	1994	NUM
fsr-3486	45	28	)	)	PUNCT
fsr-3486	45	29	.	.	PUNCT
fsr-3486	46	1	when	when	SCONJ
fsr-3486	46	2	topics	topic	NOUN
fsr-3486	46	3	are	be	AUX
fsr-3486	46	4	complex	complex	ADJ
fsr-3486	46	5	,	,	PUNCT
fsr-3486	46	6	the	the	DET
fsr-3486	46	7	acquisition	acquisition	NOUN
fsr-3486	46	8	costs	cost	NOUN
fsr-3486	46	9	of	of	ADP
fsr-3486	46	10	human	human	ADJ
fsr-3486	46	11	capital	capital	NOUN
fsr-3486	46	12	are	be	AUX
fsr-3486	46	13	high	high	ADJ
fsr-3486	46	14	and	and	CCONJ
fsr-3486	46	15	require	require	VERB
fsr-3486	46	16	large	large	ADJ
fsr-3486	46	17	investments	investment	NOUN
fsr-3486	46	18	of	of	ADP
fsr-3486	46	19	time	time	NOUN
fsr-3486	46	20	,	,	PUNCT
fsr-3486	46	21	energy	energy	NOUN
fsr-3486	46	22	,	,	PUNCT
fsr-3486	46	23	and	and	CCONJ
fsr-3486	46	24	effort	effort	NOUN
fsr-3486	46	25	.	.	PUNCT
fsr-3486	47	1	many	many	ADJ
fsr-3486	47	2	in	in	ADP
fsr-3486	47	3	the	the	DET
fsr-3486	47	4	financial	financial	ADJ
fsr-3486	47	5	planning	planning	NOUN
fsr-3486	47	6	profession	profession	NOUN
fsr-3486	47	7	have	have	AUX
fsr-3486	47	8	invested	invest	VERB
fsr-3486	47	9	years	year	NOUN
fsr-3486	47	10	into	into	ADP
fsr-3486	47	11	the	the	DET
fsr-3486	47	12	education	education	NOUN
fsr-3486	47	13	and	and	CCONJ
fsr-3486	47	14	certifications	certification	NOUN
fsr-3486	47	15	requirements	requirement	NOUN
fsr-3486	47	16	that	that	PRON
fsr-3486	47	17	qualify	qualify	VERB
fsr-3486	47	18	them	they	PRON
fsr-3486	47	19	as	as	ADP
fsr-3486	47	20	experts	expert	NOUN
fsr-3486	47	21	in	in	ADP
fsr-3486	47	22	the	the	DET
fsr-3486	47	23	field	field	NOUN
fsr-3486	47	24	.	.	PUNCT
fsr-3486	48	1	for	for	ADP
fsr-3486	48	2	the	the	DET
fsr-3486	48	3	average	average	ADJ
fsr-3486	48	4	consumer	consumer	NOUN
fsr-3486	48	5	,	,	PUNCT
fsr-3486	48	6	investments	investment	NOUN
fsr-3486	48	7	of	of	ADP
fsr-3486	48	8	this	this	DET
fsr-3486	48	9	size	size	NOUN
fsr-3486	48	10	may	may	AUX
fsr-3486	48	11	not	not	PART
fsr-3486	48	12	practical	practical	ADJ
fsr-3486	48	13	or	or	CCONJ
fsr-3486	48	14	efficient	efficient	ADJ
fsr-3486	48	15	.	.	PUNCT
fsr-3486	49	1	however	however	ADV
fsr-3486	49	2	,	,	PUNCT
fsr-3486	49	3	individuals	individual	NOUN
fsr-3486	49	4	acquire	acquire	VERB
fsr-3486	49	5	some	some	DET
fsr-3486	49	6	level	level	NOUN
fsr-3486	49	7	of	of	ADP
fsr-3486	49	8	financial	financial	ADJ
fsr-3486	49	9	knowledge	knowledge	NOUN
fsr-3486	49	10	and	and	CCONJ
fsr-3486	49	11	literacy	literacy	NOUN
fsr-3486	49	12	through	through	ADP
fsr-3486	49	13	education	education	NOUN
fsr-3486	49	14	and	and	CCONJ
fsr-3486	49	15	experience	experience	NOUN
fsr-3486	49	16	.	.	PUNCT
fsr-3486	50	1	for	for	ADP
fsr-3486	50	2	those	those	PRON
fsr-3486	50	3	that	that	PRON
fsr-3486	50	4	acquire	acquire	VERB
fsr-3486	50	5	higher	high	ADJ
fsr-3486	50	6	levels	level	NOUN
fsr-3486	50	7	of	of	ADP
fsr-3486	50	8	literacy	literacy	NOUN
fsr-3486	50	9	,	,	PUNCT
fsr-3486	50	10	evidence	evidence	NOUN
fsr-3486	50	11	from	from	ADP
fsr-3486	50	12	the	the	DET
fsr-3486	50	13	literature	literature	NOUN
fsr-3486	50	14	has	have	AUX
fsr-3486	50	15	shown	show	VERB
fsr-3486	50	16	improved	improved	ADJ
fsr-3486	50	17	decisions	decision	NOUN
fsr-3486	50	18	and	and	CCONJ
fsr-3486	50	19	outcomes	outcome	NOUN
fsr-3486	50	20	related	relate	VERB
fsr-3486	50	21	to	to	ADP
fsr-3486	50	22	a	a	DET
fsr-3486	50	23	number	number	NOUN
fsr-3486	50	24	of	of	ADP
fsr-3486	50	25	financial	financial	ADJ
fsr-3486	50	26	decisions	decision	NOUN
fsr-3486	50	27	,	,	PUNCT
fsr-3486	50	28	one	one	NUM
fsr-3486	50	29	of	of	ADP
fsr-3486	50	30	which	which	PRON
fsr-3486	50	31	,	,	PUNCT
fsr-3486	50	32	is	be	AUX
fsr-3486	50	33	a	a	DET
fsr-3486	50	34	higher	high	ADJ
fsr-3486	50	35	likelihood	likelihood	NOUN
fsr-3486	50	36	to	to	PART
fsr-3486	50	37	plan	plan	VERB
fsr-3486	50	38	for	for	ADP
fsr-3486	50	39	retirement	retirement	NOUN
fsr-3486	50	40	(	(	PUNCT
fsr-3486	50	41	j.	j.	PROPN
fsr-3486	50	42	r.	r.	PROPN
fsr-3486	50	43	agnew	agnew	PROPN
fsr-3486	50	44	,	,	PUNCT
fsr-3486	50	45	bateman	bateman	PROPN
fsr-3486	50	46	,	,	PUNCT
fsr-3486	50	47	&	&	CCONJ
fsr-3486	50	48	thorp	thorp	PROPN
fsr-3486	50	49	,	,	PUNCT
fsr-3486	50	50	2013	2013	NUM
fsr-3486	50	51	;	;	PUNCT
fsr-3486	50	52	vinet	vinet	PROPN
fsr-3486	50	53	&	&	CCONJ
fsr-3486	50	54	zhedanov	zhedanov	PROPN
fsr-3486	50	55	,	,	PUNCT
fsr-3486	50	56	2010	2010	NUM
fsr-3486	50	57	)	)	PUNCT
fsr-3486	50	58	.	.	PUNCT
fsr-3486	51	1	while	while	SCONJ
fsr-3486	51	2	this	this	PRON
fsr-3486	51	3	is	be	AUX
fsr-3486	51	4	positive	positive	ADJ
fsr-3486	51	5	,	,	PUNCT
fsr-3486	51	6	the	the	DET
fsr-3486	51	7	average	average	ADJ
fsr-3486	51	8	consumer	consumer	NOUN
fsr-3486	51	9	likely	likely	ADV
fsr-3486	51	10	lacks	lack	VERB
fsr-3486	51	11	the	the	DET
fsr-3486	51	12	financial	financial	ADJ
fsr-3486	51	13	sophistication	sophistication	NOUN
fsr-3486	51	14	to	to	PART
fsr-3486	51	15	adequately	adequately	ADV
fsr-3486	51	16	address	address	VERB
fsr-3486	51	17	all	all	DET
fsr-3486	51	18	the	the	DET
fsr-3486	51	19	decisions	decision	NOUN
fsr-3486	51	20	that	that	PRON
fsr-3486	51	21	are	be	AUX
fsr-3486	51	22	required	require	VERB
fsr-3486	51	23	plan	plan	NOUN
fsr-3486	51	24	for	for	ADP
fsr-3486	51	25	this	this	DET
fsr-3486	51	26	goal	goal	NOUN
fsr-3486	51	27	.	.	PUNCT
fsr-3486	52	1	to	to	PART
fsr-3486	52	2	bridge	bridge	VERB
fsr-3486	52	3	the	the	DET
fsr-3486	52	4	gap	gap	NOUN
fsr-3486	52	5	individuals	individual	NOUN
fsr-3486	52	6	would	would	AUX
fsr-3486	52	7	have	have	VERB
fsr-3486	52	8	to	to	PART
fsr-3486	52	9	engage	engage	VERB
fsr-3486	52	10	in	in	ADP
fsr-3486	52	11	higher	high	ADJ
fsr-3486	52	12	levels	level	NOUN
fsr-3486	52	13	of	of	ADP
fsr-3486	52	14	financial	financial	ADJ
fsr-3486	52	15	planning	planning	NOUN
fsr-3486	52	16	,	,	PUNCT
fsr-3486	52	17	which	which	PRON
fsr-3486	52	18	would	would	AUX
fsr-3486	52	19	require	require	VERB
fsr-3486	52	20	the	the	DET
fsr-3486	52	21	acquisition	acquisition	NOUN
fsr-3486	52	22	of	of	ADP
fsr-3486	52	23	additional	additional	ADJ
fsr-3486	52	24	human	human	ADJ
fsr-3486	52	25	capital	capital	NOUN
fsr-3486	52	26	or	or	CCONJ
fsr-3486	52	27	the	the	DET
fsr-3486	52	28	renting	rent	VERB
fsr-3486	52	29	the	the	DET
fsr-3486	52	30	human	human	ADJ
fsr-3486	52	31	capital	capital	NOUN
fsr-3486	52	32	from	from	ADP
fsr-3486	52	33	an	an	DET
fsr-3486	52	34	expert	expert	NOUN
fsr-3486	52	35	.	.	PUNCT
fsr-3486	53	1	in	in	ADP
fsr-3486	53	2	either	either	DET
fsr-3486	53	3	case	case	NOUN
fsr-3486	53	4	,	,	PUNCT
fsr-3486	53	5	higher	high	ADJ
fsr-3486	53	6	levels	level	NOUN
fsr-3486	53	7	of	of	ADP
fsr-3486	53	8	literacy	literacy	NOUN
fsr-3486	53	9	would	would	AUX
fsr-3486	53	10	be	be	AUX
fsr-3486	53	11	associate	associate	ADJ
fsr-3486	53	12	with	with	ADP
fsr-3486	53	13	a	a	DET
fsr-3486	53	14	better	well	ADJ
fsr-3486	53	15	understanding	understanding	NOUN
fsr-3486	53	16	of	of	ADP
fsr-3486	53	17	the	the	DET
fsr-3486	53	18	personal	personal	ADJ
fsr-3486	53	19	deficiencies	deficiency	NOUN
fsr-3486	53	20	related	relate	VERB
fsr-3486	53	21	to	to	ADP
fsr-3486	53	22	the	the	DET
fsr-3486	53	23	decisions	decision	NOUN
fsr-3486	53	24	at	at	ADP
fsr-3486	53	25	hand	hand	NOUN
fsr-3486	53	26	.	.	PUNCT
fsr-3486	54	1	3	3	X
fsr-3486	54	2	.	.	X
fsr-3486	54	3	financial	financial	ADJ
fsr-3486	54	4	literacy	literacy	NOUN
fsr-3486	54	5	financial	financial	ADJ
fsr-3486	54	6	literacy	literacy	NOUN
fsr-3486	54	7	can	can	AUX
fsr-3486	54	8	be	be	AUX
fsr-3486	54	9	defined	define	VERB
fsr-3486	54	10	as	as	ADP
fsr-3486	54	11	the	the	DET
fsr-3486	54	12	measurement	measurement	NOUN
fsr-3486	54	13	of	of	ADP
fsr-3486	54	14	how	how	SCONJ
fsr-3486	54	15	well	well	ADV
fsr-3486	54	16	individuals	individual	NOUN
fsr-3486	54	17	use	use	VERB
fsr-3486	54	18	information	information	NOUN
fsr-3486	54	19	related	relate	VERB
fsr-3486	54	20	to	to	ADP
fsr-3486	54	21	personal	personal	ADJ
fsr-3486	54	22	finance	finance	NOUN
fsr-3486	54	23	(	(	PUNCT
fsr-3486	54	24	huston	huston	PROPN
fsr-3486	54	25	,	,	PUNCT
fsr-3486	54	26	2010	2010	NUM
fsr-3486	54	27	)	)	PUNCT
fsr-3486	54	28	.	.	PUNCT
fsr-3486	55	1	increased	increase	VERB
fsr-3486	55	2	financial	financial	ADJ
fsr-3486	55	3	literacy	literacy	NOUN
fsr-3486	55	4	improves	improve	VERB
fsr-3486	55	5	financial	financial	ADJ
fsr-3486	55	6	decision	decision	NOUN
fsr-3486	55	7	making	making	NOUN
fsr-3486	55	8	(	(	PUNCT
fsr-3486	55	9	huston	huston	PROPN
fsr-3486	55	10	,	,	PUNCT
fsr-3486	55	11	2010	2010	NUM
fsr-3486	55	12	;	;	PUNCT
fsr-3486	55	13	meier	meier	PROPN
fsr-3486	55	14	&	&	CCONJ
fsr-3486	55	15	sprenger	sprenger	PROPN
fsr-3486	55	16	,	,	PUNCT
fsr-3486	55	17	2013	2013	NUM
fsr-3486	55	18	;	;	PUNCT
fsr-3486	55	19	sekita	sekita	VERB
fsr-3486	55	20	et	et	PROPN
fsr-3486	55	21	al	al	PROPN
fsr-3486	55	22	.	.	PROPN
fsr-3486	55	23	,	,	PUNCT
fsr-3486	55	24	2011	2011	NUM
fsr-3486	55	25	)	)	PUNCT
fsr-3486	55	26	and	and	CCONJ
fsr-3486	55	27	financial	financial	ADJ
fsr-3486	55	28	outcomes	outcome	NOUN
fsr-3486	55	29	including	include	VERB
fsr-3486	55	30	reduced	reduce	VERB
fsr-3486	55	31	debt	debt	NOUN
fsr-3486	55	32	and	and	CCONJ
fsr-3486	55	33	increased	increase	VERB
fsr-3486	55	34	participation	participation	NOUN
fsr-3486	55	35	in	in	ADP
fsr-3486	55	36	retirement	retirement	NOUN
fsr-3486	55	37	saving	saving	NOUN
fsr-3486	55	38	plans	plan	NOUN
fsr-3486	55	39	(	(	PUNCT
fsr-3486	55	40	clark	clark	NOUN
fsr-3486	55	41	,	,	PUNCT
fsr-3486	55	42	ambrosio	ambrosio	PROPN
fsr-3486	55	43	,	,	PUNCT
fsr-3486	55	44	&	&	CCONJ
fsr-3486	55	45	mcdermed	mcderme	VERB
fsr-3486	55	46	,	,	PUNCT
fsr-3486	55	47	2003	2003	NUM
fsr-3486	55	48	;	;	PUNCT
fsr-3486	55	49	delavande	delavande	NOUN
fsr-3486	55	50	,	,	PUNCT
fsr-3486	55	51	rohwedder	rohwedder	NOUN
fsr-3486	55	52	,	,	PUNCT
fsr-3486	55	53	&	&	CCONJ
fsr-3486	55	54	willis	willis	PROPN
fsr-3486	55	55	,	,	PUNCT
fsr-3486	55	56	2008	2008	NUM
fsr-3486	55	57	;	;	PUNCT
fsr-3486	55	58	howlett	howlett	PROPN
fsr-3486	55	59	,	,	PUNCT
fsr-3486	55	60	kees	kees	PROPN
fsr-3486	55	61	,	,	PUNCT
fsr-3486	55	62	&	&	CCONJ
fsr-3486	55	63	kemp	kemp	PROPN
fsr-3486	55	64	,	,	PUNCT
fsr-3486	55	65	2008	2008	NUM
fsr-3486	55	66	;	;	PUNCT
fsr-3486	55	67	vinet	vinet	PROPN
fsr-3486	55	68	&	&	CCONJ
fsr-3486	55	69	zhedanov	zhedanov	PROPN
fsr-3486	55	70	,	,	PUNCT
fsr-3486	55	71	2010	2010	NUM
fsr-3486	55	72	;	;	PUNCT
fsr-3486	55	73	willis	willis	PROPN
fsr-3486	55	74	,	,	PUNCT
fsr-3486	55	75	2008	2008	NUM
fsr-3486	55	76	)	)	PUNCT
fsr-3486	55	77	.	.	PUNCT
fsr-3486	56	1	human	human	ADJ
fsr-3486	56	2	capital	capital	PROPN
fsr-3486	56	3	theory	theory	NOUN
fsr-3486	56	4	predicts	predict	VERB
fsr-3486	56	5	that	that	SCONJ
fsr-3486	56	6	individuals	individual	NOUN
fsr-3486	56	7	will	will	AUX
fsr-3486	56	8	invest	invest	VERB
fsr-3486	56	9	time	time	NOUN
fsr-3486	56	10	in	in	ADP
fsr-3486	56	11	acquiring	acquire	VERB
fsr-3486	56	12	knowledge	knowledge	NOUN
fsr-3486	56	13	when	when	SCONJ
fsr-3486	56	14	the	the	DET
fsr-3486	56	15	expected	expect	VERB
fsr-3486	56	16	return	return	NOUN
fsr-3486	56	17	exceeds	exceed	VERB
fsr-3486	56	18	the	the	DET
fsr-3486	56	19	expected	expect	VERB
fsr-3486	56	20	time	time	NOUN
fsr-3486	56	21	and	and	CCONJ
fsr-3486	56	22	transaction	transaction	NOUN
fsr-3486	56	23	costs	cost	NOUN
fsr-3486	56	24	(	(	PUNCT
fsr-3486	56	25	blundell	blundell	PROPN
fsr-3486	56	26	,	,	PUNCT
fsr-3486	56	27	dearden	dearden	ADJ
fsr-3486	56	28	,	,	PUNCT
fsr-3486	56	29	meghir	meghir	NOUN
fsr-3486	56	30	,	,	PUNCT
fsr-3486	56	31	&	&	CCONJ
fsr-3486	56	32	sianesi	sianesi	NOUN
fsr-3486	56	33	,	,	PUNCT
fsr-3486	56	34	1999	1999	NUM
fsr-3486	56	35	)	)	PUNCT
fsr-3486	56	36	.	.	PUNCT
fsr-3486	57	1	individuals	individual	NOUN
fsr-3486	57	2	will	will	AUX
fsr-3486	57	3	invest	invest	VERB
fsr-3486	57	4	in	in	ADP
fsr-3486	57	5	their	their	PRON
fsr-3486	57	6	own	own	ADJ
fsr-3486	57	7	financial	financial	ADJ
fsr-3486	57	8	literacy	literacy	NOUN
fsr-3486	57	9	if	if	SCONJ
fsr-3486	57	10	they	they	PRON
fsr-3486	57	11	believe	believe	VERB
fsr-3486	57	12	the	the	DET
fsr-3486	57	13	benefits	benefit	NOUN
fsr-3486	57	14	from	from	ADP
fsr-3486	57	15	improved	improved	ADJ
fsr-3486	57	16	financial	financial	ADJ
fsr-3486	57	17	decisions	decision	NOUN
fsr-3486	57	18	exceed	exceed	VERB
fsr-3486	57	19	the	the	DET
fsr-3486	57	20	costs	cost	NOUN
fsr-3486	57	21	of	of	ADP
fsr-3486	57	22	increased	increase	VERB
fsr-3486	57	23	knowledge	knowledge	NOUN
fsr-3486	57	24	.	.	PUNCT
fsr-3486	58	1	this	this	DET
fsr-3486	58	2	knowledge	knowledge	NOUN
fsr-3486	58	3	can	can	AUX
fsr-3486	58	4	be	be	AUX
fsr-3486	58	5	used	use	VERB
fsr-3486	58	6	to	to	PART
fsr-3486	58	7	manage	manage	VERB
fsr-3486	58	8	their	their	PRON
fsr-3486	58	9	own	own	ADJ
fsr-3486	58	10	finances	finance	NOUN
fsr-3486	58	11	,	,	PUNCT
fsr-3486	58	12	but	but	CCONJ
fsr-3486	58	13	increased	increase	VERB
fsr-3486	58	14	knowledge	knowledge	NOUN
fsr-3486	58	15	may	may	AUX
fsr-3486	58	16	also	also	ADV
fsr-3486	58	17	allow	allow	VERB
fsr-3486	58	18	an	an	DET
fsr-3486	58	19	individual	individual	NOUN
fsr-3486	58	20	to	to	PART
fsr-3486	58	21	better	well	ADV
fsr-3486	58	22	recognize	recognize	VERB
fsr-3486	58	23	which	which	PRON
fsr-3486	58	24	decisions	decision	NOUN
fsr-3486	58	25	are	be	AUX
fsr-3486	58	26	too	too	ADV
fsr-3486	58	27	complex	complex	ADJ
fsr-3486	58	28	and	and	CCONJ
fsr-3486	58	29	are	be	AUX
fsr-3486	58	30	best	well	ADV
fsr-3486	58	31	delegated	delegate	VERB
fsr-3486	58	32	to	to	ADP
fsr-3486	58	33	a	a	DET
fsr-3486	58	34	professional	professional	ADJ
fsr-3486	58	35	(	(	PUNCT
fsr-3486	58	36	collins	collin	NOUN
fsr-3486	58	37	,	,	PUNCT
fsr-3486	58	38	2012	2012	NUM
fsr-3486	58	39	;	;	PUNCT
fsr-3486	58	40	meier	meier	PROPN
fsr-3486	58	41	&	&	CCONJ
fsr-3486	58	42	sprenger	sprenger	PROPN
fsr-3486	58	43	,	,	PUNCT
fsr-3486	58	44	2013	2013	NUM
fsr-3486	58	45	)	)	PUNCT
fsr-3486	58	46	.	.	PUNCT
fsr-3486	59	1	however	however	ADV
fsr-3486	59	2	,	,	PUNCT
fsr-3486	59	3	not	not	PART
fsr-3486	59	4	everyone	everyone	PRON
fsr-3486	59	5	has	have	VERB
fsr-3486	59	6	an	an	DET
fsr-3486	59	7	adequate	adequate	ADJ
fsr-3486	59	8	level	level	NOUN
fsr-3486	59	9	of	of	ADP
fsr-3486	59	10	financial	financial	ADJ
fsr-3486	59	11	literacy	literacy	NOUN
fsr-3486	59	12	or	or	CCONJ
fsr-3486	59	13	is	be	AUX
fsr-3486	59	14	willing	willing	ADJ
fsr-3486	59	15	to	to	PART
fsr-3486	59	16	seek	seek	VERB
fsr-3486	59	17	a	a	DET
fsr-3486	59	18	professional	professional	NOUN
fsr-3486	59	19	who	who	PRON
fsr-3486	59	20	has	have	VERB
fsr-3486	59	21	that	that	DET
fsr-3486	59	22	financial	financial	ADJ
fsr-3486	59	23	literacy	literacy	NOUN
fsr-3486	59	24	.	.	PUNCT
fsr-3486	60	1	individuals	individual	NOUN
fsr-3486	60	2	with	with	ADP
fsr-3486	60	3	lower	low	ADJ
fsr-3486	60	4	financial	financial	ADJ
fsr-3486	60	5	knowledge	knowledge	NOUN
fsr-3486	60	6	may	may	AUX
fsr-3486	60	7	not	not	PART
fsr-3486	60	8	recognize	recognize	VERB
fsr-3486	60	9	the	the	DET
fsr-3486	60	10	value	value	NOUN
fsr-3486	60	11	received	receive	VERB
fsr-3486	60	12	from	from	ADP
fsr-3486	60	13	increased	increase	VERB
fsr-3486	60	14	planning	planning	NOUN
fsr-3486	60	15	.	.	PUNCT
fsr-3486	61	1	those	those	PRON
fsr-3486	61	2	with	with	ADP
fsr-3486	61	3	lower	low	ADJ
fsr-3486	61	4	levels	level	NOUN
fsr-3486	61	5	of	of	ADP
fsr-3486	61	6	financial	financial	ADJ
fsr-3486	61	7	literacy	literacy	NOUN
fsr-3486	61	8	are	be	AUX
fsr-3486	61	9	less	less	ADV
fsr-3486	61	10	likely	likely	ADJ
fsr-3486	61	11	to	to	PART
fsr-3486	61	12	adequately	adequately	ADV
fsr-3486	61	13	plan	plan	VERB
fsr-3486	61	14	for	for	ADP
fsr-3486	61	15	retirement	retirement	NOUN
fsr-3486	61	16	and	and	CCONJ
fsr-3486	61	17	make	make	VERB
fsr-3486	61	18	poor	poor	ADJ
fsr-3486	61	19	decisions	decision	NOUN
fsr-3486	61	20	during	during	ADP
fsr-3486	61	21	their	their	PRON
fsr-3486	61	22	earning	earning	NOUN
fsr-3486	61	23	years	year	NOUN
fsr-3486	61	24	(	(	PUNCT
fsr-3486	61	25	van	van	NOUN
fsr-3486	61	26	rooij	rooij	NOUN
fsr-3486	61	27	,	,	PUNCT
fsr-3486	61	28	lusardi	lusardi	PROPN
fsr-3486	61	29	,	,	PUNCT
fsr-3486	61	30	&	&	CCONJ
fsr-3486	61	31	alessie	alessie	ADJ
fsr-3486	61	32	,	,	PUNCT
fsr-3486	61	33	2012	2012	NUM
fsr-3486	61	34	)	)	PUNCT
fsr-3486	61	35	.	.	PUNCT
fsr-3486	62	1	poor	poor	ADJ
fsr-3486	62	2	and	and	CCONJ
fsr-3486	62	3	less	less	ADV
fsr-3486	62	4	educated	educate	VERB
fsr-3486	62	5	households	household	NOUN
fsr-3486	62	6	are	be	AUX
fsr-3486	62	7	more	more	ADV
fsr-3486	62	8	likely	likely	ADJ
fsr-3486	62	9	to	to	PART
fsr-3486	62	10	be	be	AUX
fsr-3486	62	11	financially	financially	ADV
fsr-3486	62	12	illiterate	illiterate	ADJ
fsr-3486	62	13	(	(	PUNCT
fsr-3486	62	14	sekita	sekita	VERB
fsr-3486	62	15	et	et	PROPN
fsr-3486	62	16	al	al	PROPN
fsr-3486	62	17	.	.	PROPN
fsr-3486	62	18	,	,	PUNCT
fsr-3486	62	19	2011	2011	NUM
fsr-3486	62	20	)	)	PUNCT
fsr-3486	62	21	and	and	CCONJ
fsr-3486	62	22	tend	tend	VERB
fsr-3486	62	23	to	to	PART
fsr-3486	62	24	make	make	VERB
fsr-3486	62	25	investment	investment	NOUN
fsr-3486	62	26	mistakes	mistake	NOUN
fsr-3486	62	27	more	more	ADV
fsr-3486	62	28	frequently	frequently	ADV
fsr-3486	62	29	than	than	ADP
fsr-3486	62	30	their	their	PRON
fsr-3486	62	31	counterparts	counterpart	NOUN
fsr-3486	62	32	(	(	PUNCT
fsr-3486	62	33	campbell	campbell	PROPN
fsr-3486	62	34	,	,	PUNCT
fsr-3486	62	35	2006	2006	NUM
fsr-3486	62	36	)	)	PUNCT
fsr-3486	62	37	.	.	PUNCT
fsr-3486	63	1	most	most	ADJ
fsr-3486	63	2	individuals	individual	NOUN
fsr-3486	63	3	are	be	AUX
fsr-3486	63	4	still	still	ADV
fsr-3486	63	5	unable	unable	ADJ
fsr-3486	63	6	to	to	PART
fsr-3486	63	7	understand	understand	VERB
fsr-3486	63	8	simple	simple	ADJ
fsr-3486	63	9	l.	l.	PROPN
fsr-3486	63	10	a.	a.	PROPN
fsr-3486	63	11	v.	v.	PROPN
fsr-3486	63	12	augustin	augustin	PROPN
fsr-3486	63	13	and	and	CCONJ
fsr-3486	63	14	t.	t.	PROPN
fsr-3486	63	15	k.	k.	PROPN
fsr-3486	63	16	martin	martin	PROPN
fsr-3486	63	17	/	/	SYM
fsr-3486	63	18	financial	financial	ADJ
fsr-3486	63	19	services	service	NOUN
fsr-3486	63	20	review	review	VERB
fsr-3486	63	21	30	30	NUM
fsr-3486	63	22	(	(	PUNCT
fsr-3486	63	23	2022	2022	NUM
fsr-3486	63	24	)	)	PUNCT
fsr-3486	63	25	205–222	205–222	NUM
fsr-3486	63	26	207	207	NUM
fsr-3486	63	27	financial	financial	ADJ
fsr-3486	63	28	concepts	concept	NOUN
fsr-3486	63	29	like	like	ADP
fsr-3486	63	30	compound	compound	NOUN
fsr-3486	63	31	interest	interest	NOUN
fsr-3486	63	32	(	(	PUNCT
fsr-3486	63	33	collins	collin	NOUN
fsr-3486	63	34	,	,	PUNCT
fsr-3486	63	35	2012	2012	NUM
fsr-3486	63	36	;	;	PUNCT
fsr-3486	63	37	lusardi	lusardi	NOUN
fsr-3486	63	38	,	,	PUNCT
fsr-3486	63	39	2008	2008	NUM
fsr-3486	63	40	)	)	PUNCT
fsr-3486	63	41	and	and	CCONJ
fsr-3486	63	42	this	this	PRON
fsr-3486	63	43	affects	affect	VERB
fsr-3486	63	44	tasks	task	NOUN
fsr-3486	63	45	such	such	ADJ
fsr-3486	63	46	as	as	ADP
fsr-3486	63	47	portfolio	portfolio	NOUN
fsr-3486	63	48	choice	choice	NOUN
fsr-3486	63	49	and	and	CCONJ
fsr-3486	63	50	retirement	retirement	NOUN
fsr-3486	63	51	planning	planning	NOUN
fsr-3486	63	52	.	.	PUNCT
fsr-3486	64	1	low	low	ADJ
fsr-3486	64	2	levels	level	NOUN
fsr-3486	64	3	of	of	ADP
fsr-3486	64	4	financial	financial	ADJ
fsr-3486	64	5	literacy	literacy	NOUN
fsr-3486	64	6	may	may	AUX
fsr-3486	64	7	even	even	ADV
fsr-3486	64	8	lead	lead	VERB
fsr-3486	64	9	to	to	ADP
fsr-3486	64	10	nonparticipation	nonparticipation	NOUN
fsr-3486	64	11	in	in	ADP
fsr-3486	64	12	the	the	DET
fsr-3486	64	13	stock	stock	NOUN
fsr-3486	64	14	market	market	NOUN
fsr-3486	64	15	(	(	PUNCT
fsr-3486	64	16	van	van	PROPN
fsr-3486	64	17	rooij	rooij	NOUN
fsr-3486	64	18	,	,	PUNCT
fsr-3486	64	19	lusardi	lusardi	PROPN
fsr-3486	64	20	,	,	PUNCT
fsr-3486	64	21	&	&	CCONJ
fsr-3486	64	22	alessie	alessie	PROPN
fsr-3486	64	23	,	,	PUNCT
fsr-3486	64	24	2011	2011	NUM
fsr-3486	64	25	)	)	PUNCT
fsr-3486	64	26	.	.	PUNCT
fsr-3486	65	1	in	in	ADP
fsr-3486	65	2	contrast	contrast	NOUN
fsr-3486	65	3	,	,	PUNCT
fsr-3486	65	4	those	those	PRON
fsr-3486	65	5	with	with	ADP
fsr-3486	65	6	higher	high	ADJ
fsr-3486	65	7	levels	level	NOUN
fsr-3486	65	8	of	of	ADP
fsr-3486	65	9	financial	financial	ADJ
fsr-3486	65	10	literacy	literacy	NOUN
fsr-3486	65	11	make	make	VERB
fsr-3486	65	12	better	well	ADJ
fsr-3486	65	13	financial	financial	ADJ
fsr-3486	65	14	decisions	decision	NOUN
fsr-3486	65	15	.	.	PUNCT
fsr-3486	66	1	they	they	PRON
fsr-3486	66	2	are	be	AUX
fsr-3486	66	3	more	more	ADV
fsr-3486	66	4	likely	likely	ADJ
fsr-3486	66	5	to	to	PART
fsr-3486	66	6	be	be	AUX
fsr-3486	66	7	diversified	diversify	VERB
fsr-3486	66	8	in	in	ADP
fsr-3486	66	9	their	their	PRON
fsr-3486	66	10	portfolios	portfolio	NOUN
fsr-3486	66	11	and	and	CCONJ
fsr-3486	66	12	have	have	VERB
fsr-3486	66	13	retirement	retirement	NOUN
fsr-3486	66	14	savings	saving	NOUN
fsr-3486	66	15	(	(	PUNCT
fsr-3486	66	16	de	de	X
fsr-3486	66	17	bassa	bassa	PROPN
fsr-3486	66	18	scheresberg	scheresberg	PROPN
fsr-3486	66	19	,	,	PUNCT
fsr-3486	66	20	2013	2013	NUM
fsr-3486	66	21	;	;	PUNCT
fsr-3486	66	22	vinet	vinet	PROPN
fsr-3486	66	23	&	&	CCONJ
fsr-3486	66	24	zhedanov	zhedanov	PROPN
fsr-3486	66	25	,	,	PUNCT
fsr-3486	66	26	2010	2010	NUM
fsr-3486	66	27	)	)	PUNCT
fsr-3486	66	28	.	.	PUNCT
fsr-3486	67	1	financially	financially	ADV
fsr-3486	67	2	literate	literate	ADJ
fsr-3486	67	3	individuals	individual	NOUN
fsr-3486	67	4	display	display	VERB
fsr-3486	67	5	better	well	ADJ
fsr-3486	67	6	reasoning	reasoning	NOUN
fsr-3486	67	7	and	and	CCONJ
fsr-3486	67	8	numeracy	numeracy	NOUN
fsr-3486	67	9	skills	skill	NOUN
fsr-3486	67	10	and	and	CCONJ
fsr-3486	67	11	are	be	AUX
fsr-3486	67	12	also	also	ADV
fsr-3486	67	13	able	able	ADJ
fsr-3486	67	14	to	to	PART
fsr-3486	67	15	make	make	VERB
fsr-3486	67	16	more	more	ADJ
fsr-3486	67	17	complex	complex	ADJ
fsr-3486	67	18	decisions	decision	NOUN
fsr-3486	67	19	.	.	PUNCT
fsr-3486	68	1	this	this	PRON
fsr-3486	68	2	may	may	AUX
fsr-3486	68	3	translate	translate	VERB
fsr-3486	68	4	to	to	ADP
fsr-3486	68	5	demanding	demand	VERB
fsr-3486	68	6	more	more	ADJ
fsr-3486	68	7	complex	complex	ADJ
fsr-3486	68	8	levels	level	NOUN
fsr-3486	68	9	of	of	ADP
fsr-3486	68	10	financial	financial	ADJ
fsr-3486	68	11	planning	planning	NOUN
fsr-3486	68	12	.	.	PUNCT
fsr-3486	69	1	3.1	3.1	NUM
fsr-3486	69	2	.	.	PUNCT
fsr-3486	70	1	what	what	PRON
fsr-3486	70	2	drives	drive	VERB
fsr-3486	70	3	demand	demand	NOUN
fsr-3486	70	4	for	for	ADP
fsr-3486	70	5	professional	professional	ADJ
fsr-3486	70	6	advice	advice	NOUN
fsr-3486	70	7	services	service	NOUN
fsr-3486	70	8	?	?	PUNCT
fsr-3486	71	1	uncertainty	uncertainty	NOUN
fsr-3486	71	2	about	about	ADP
fsr-3486	71	3	the	the	DET
fsr-3486	71	4	results	result	NOUN
fsr-3486	71	5	of	of	ADP
fsr-3486	71	6	financial	financial	ADJ
fsr-3486	71	7	outcomes	outcome	NOUN
fsr-3486	71	8	may	may	AUX
fsr-3486	71	9	drive	drive	VERB
fsr-3486	71	10	individuals	individual	NOUN
fsr-3486	71	11	to	to	PART
fsr-3486	71	12	seek	seek	VERB
fsr-3486	71	13	professional	professional	ADJ
fsr-3486	71	14	financial	financial	ADJ
fsr-3486	71	15	advice	advice	NOUN
fsr-3486	71	16	.	.	PUNCT
fsr-3486	72	1	because	because	SCONJ
fsr-3486	72	2	people	people	NOUN
fsr-3486	72	3	are	be	AUX
fsr-3486	72	4	generally	generally	ADV
fsr-3486	72	5	risk	risk	VERB
fsr-3486	72	6	averse	averse	ADJ
fsr-3486	72	7	,	,	PUNCT
fsr-3486	72	8	a	a	DET
fsr-3486	72	9	recognition	recognition	NOUN
fsr-3486	72	10	of	of	ADP
fsr-3486	72	11	the	the	DET
fsr-3486	72	12	uncertainty	uncertainty	NOUN
fsr-3486	72	13	related	relate	VERB
fsr-3486	72	14	to	to	ADP
fsr-3486	72	15	financial	financial	ADJ
fsr-3486	72	16	outcomes	outcome	NOUN
fsr-3486	72	17	would	would	AUX
fsr-3486	72	18	likely	likely	ADV
fsr-3486	72	19	lead	lead	VERB
fsr-3486	72	20	individuals	individual	NOUN
fsr-3486	72	21	to	to	PART
fsr-3486	72	22	seek	seek	VERB
fsr-3486	72	23	financial	financial	ADJ
fsr-3486	72	24	advice	advice	NOUN
fsr-3486	72	25	to	to	PART
fsr-3486	72	26	hedge	hedge	VERB
fsr-3486	72	27	against	against	ADP
fsr-3486	72	28	variations	variation	NOUN
fsr-3486	72	29	in	in	ADP
fsr-3486	72	30	financial	financial	ADJ
fsr-3486	72	31	outcomes	outcome	NOUN
fsr-3486	72	32	.	.	PUNCT
fsr-3486	73	1	in	in	ADP
fsr-3486	73	2	fact	fact	NOUN
fsr-3486	73	3	individuals	individual	NOUN
fsr-3486	73	4	who	who	PRON
fsr-3486	73	5	admit	admit	VERB
fsr-3486	73	6	they	they	PRON
fsr-3486	73	7	lack	lack	VERB
fsr-3486	73	8	knowledge	knowledge	NOUN
fsr-3486	73	9	about	about	ADP
fsr-3486	73	10	their	their	PRON
fsr-3486	73	11	finances	finance	NOUN
fsr-3486	73	12	were	be	AUX
fsr-3486	73	13	more	more	ADV
fsr-3486	73	14	likely	likely	ADJ
fsr-3486	73	15	to	to	PART
fsr-3486	73	16	consult	consult	VERB
fsr-3486	73	17	a	a	DET
fsr-3486	73	18	professional	professional	ADJ
fsr-3486	73	19	(	(	PUNCT
fsr-3486	73	20	bae	bae	PROPN
fsr-3486	73	21	&	&	CCONJ
fsr-3486	73	22	sandager	sandager	PROPN
fsr-3486	73	23	,	,	PUNCT
fsr-3486	73	24	1997	1997	NUM
fsr-3486	73	25	)	)	PUNCT
fsr-3486	73	26	.	.	PUNCT
fsr-3486	74	1	in	in	ADP
fsr-3486	74	2	the	the	DET
fsr-3486	74	3	financial	financial	ADJ
fsr-3486	74	4	world	world	NOUN
fsr-3486	74	5	,	,	PUNCT
fsr-3486	74	6	demand	demand	NOUN
fsr-3486	74	7	for	for	ADP
fsr-3486	74	8	professional	professional	ADJ
fsr-3486	74	9	services	service	NOUN
fsr-3486	74	10	is	be	AUX
fsr-3486	74	11	driven	drive	VERB
fsr-3486	74	12	by	by	ADP
fsr-3486	74	13	a	a	DET
fsr-3486	74	14	variety	variety	NOUN
fsr-3486	74	15	of	of	ADP
fsr-3486	74	16	factors	factor	NOUN
fsr-3486	74	17	including	include	VERB
fsr-3486	74	18	but	but	CCONJ
fsr-3486	74	19	not	not	PART
fsr-3486	74	20	limited	limit	VERB
fsr-3486	74	21	to	to	ADP
fsr-3486	74	22	the	the	DET
fsr-3486	74	23	complexity	complexity	NOUN
fsr-3486	74	24	of	of	ADP
fsr-3486	74	25	financial	financial	ADJ
fsr-3486	74	26	decisions	decision	NOUN
fsr-3486	74	27	and	and	CCONJ
fsr-3486	74	28	the	the	DET
fsr-3486	74	29	level	level	NOUN
fsr-3486	74	30	of	of	ADP
fsr-3486	74	31	financial	financial	ADJ
fsr-3486	74	32	resources	resource	NOUN
fsr-3486	74	33	available	available	ADJ
fsr-3486	74	34	(	(	PUNCT
fsr-3486	74	35	hanna	hanna	NOUN
fsr-3486	74	36	,	,	PUNCT
fsr-3486	74	37	2011	2011	NUM
fsr-3486	74	38	)	)	PUNCT
fsr-3486	74	39	.	.	PUNCT
fsr-3486	75	1	people	people	NOUN
fsr-3486	75	2	also	also	ADV
fsr-3486	75	3	may	may	AUX
fsr-3486	75	4	rely	rely	VERB
fsr-3486	75	5	on	on	ADP
fsr-3486	75	6	advice	advice	NOUN
fsr-3486	75	7	from	from	ADP
fsr-3486	75	8	friends	friend	NOUN
fsr-3486	75	9	and	and	CCONJ
fsr-3486	75	10	relatives	relative	NOUN
fsr-3486	75	11	(	(	PUNCT
fsr-3486	75	12	hanna	hanna	NOUN
fsr-3486	75	13	,	,	PUNCT
fsr-3486	75	14	2011	2011	NUM
fsr-3486	75	15	;	;	PUNCT
fsr-3486	75	16	kramer	kramer	PROPN
fsr-3486	75	17	,	,	PUNCT
fsr-3486	75	18	2012	2012	NUM
fsr-3486	75	19	)	)	PUNCT
fsr-3486	75	20	,	,	PUNCT
fsr-3486	75	21	especially	especially	ADV
fsr-3486	75	22	spouses	spouse	NOUN
fsr-3486	75	23	(	(	PUNCT
fsr-3486	75	24	chen	chen	PROPN
fsr-3486	75	25	&	&	CCONJ
fsr-3486	75	26	volpe	volpe	PROPN
fsr-3486	75	27	,	,	PUNCT
fsr-3486	75	28	1998	1998	NUM
fsr-3486	75	29	;	;	PUNCT
fsr-3486	75	30	hackethal	hackethal	NOUN
fsr-3486	75	31	,	,	PUNCT
fsr-3486	75	32	haliassos	haliassos	NOUN
fsr-3486	75	33	,	,	PUNCT
fsr-3486	75	34	&	&	CCONJ
fsr-3486	75	35	jappelli	jappelli	PROPN
fsr-3486	75	36	,	,	PUNCT
fsr-3486	75	37	2012	2012	NUM
fsr-3486	75	38	)	)	PUNCT
fsr-3486	75	39	,	,	PUNCT
fsr-3486	75	40	and	and	CCONJ
fsr-3486	75	41	may	may	AUX
fsr-3486	75	42	use	use	VERB
fsr-3486	75	43	them	they	PRON
fsr-3486	75	44	as	as	ADP
fsr-3486	75	45	substitutes	substitute	NOUN
fsr-3486	75	46	for	for	ADP
fsr-3486	75	47	professional	professional	ADJ
fsr-3486	75	48	advice	advice	NOUN
fsr-3486	75	49	.	.	PUNCT
fsr-3486	76	1	in	in	ADP
fsr-3486	76	2	this	this	DET
fsr-3486	76	3	case	case	NOUN
fsr-3486	76	4	,	,	PUNCT
fsr-3486	76	5	they	they	PRON
fsr-3486	76	6	may	may	AUX
fsr-3486	76	7	not	not	PART
fsr-3486	76	8	see	see	VERB
fsr-3486	76	9	the	the	DET
fsr-3486	76	10	need	need	NOUN
fsr-3486	76	11	for	for	ADP
fsr-3486	76	12	professional	professional	ADJ
fsr-3486	76	13	financial	financial	ADJ
fsr-3486	76	14	advice	advice	NOUN
fsr-3486	76	15	due	due	ADP
fsr-3486	76	16	to	to	ADP
fsr-3486	76	17	their	their	PRON
fsr-3486	76	18	reliance	reliance	NOUN
fsr-3486	76	19	on	on	ADP
fsr-3486	76	20	other	other	ADJ
fsr-3486	76	21	resources	resource	NOUN
fsr-3486	76	22	.	.	PUNCT
fsr-3486	77	1	it	it	PRON
fsr-3486	77	2	is	be	AUX
fsr-3486	77	3	also	also	ADV
fsr-3486	77	4	possible	possible	ADJ
fsr-3486	77	5	that	that	SCONJ
fsr-3486	77	6	the	the	DET
fsr-3486	77	7	direction	direction	NOUN
fsr-3486	77	8	of	of	ADP
fsr-3486	77	9	effect	effect	NOUN
fsr-3486	77	10	may	may	AUX
fsr-3486	77	11	flow	flow	VERB
fsr-3486	77	12	from	from	ADP
fsr-3486	77	13	increased	increase	VERB
fsr-3486	77	14	literacy	literacy	NOUN
fsr-3486	77	15	to	to	ADP
fsr-3486	77	16	increased	increase	VERB
fsr-3486	77	17	demand	demand	NOUN
fsr-3486	77	18	,	,	PUNCT
fsr-3486	77	19	or	or	CCONJ
fsr-3486	77	20	may	may	AUX
fsr-3486	77	21	arise	arise	VERB
fsr-3486	77	22	if	if	SCONJ
fsr-3486	77	23	financial	financial	ADJ
fsr-3486	77	24	planners	planner	NOUN
fsr-3486	77	25	target	target	VERB
fsr-3486	77	26	higher	high	ADJ
fsr-3486	77	27	wealth	wealth	NOUN
fsr-3486	77	28	clients	client	NOUN
fsr-3486	77	29	who	who	PRON
fsr-3486	77	30	happen	happen	VERB
fsr-3486	77	31	to	to	PART
fsr-3486	77	32	be	be	AUX
fsr-3486	77	33	more	more	ADV
fsr-3486	77	34	financially	financially	ADV
fsr-3486	77	35	literate	literate	ADJ
fsr-3486	77	36	(	(	PUNCT
fsr-3486	77	37	collins	collin	NOUN
fsr-3486	77	38	,	,	PUNCT
fsr-3486	77	39	2012	2012	NUM
fsr-3486	77	40	;	;	PUNCT
fsr-3486	77	41	hackethal	hackethal	NOUN
fsr-3486	77	42	et	et	PROPN
fsr-3486	77	43	al	al	PROPN
fsr-3486	77	44	.	.	PROPN
fsr-3486	77	45	,	,	PUNCT
fsr-3486	77	46	2012	2012	NUM
fsr-3486	77	47	;	;	PUNCT
fsr-3486	77	48	vinet	vinet	PROPN
fsr-3486	77	49	&	&	CCONJ
fsr-3486	77	50	zhedanov	zhedanov	PROPN
fsr-3486	77	51	,	,	PUNCT
fsr-3486	77	52	2010	2010	NUM
fsr-3486	77	53	)	)	PUNCT
fsr-3486	77	54	.	.	PUNCT
fsr-3486	78	1	4	4	X
fsr-3486	78	2	.	.	X
fsr-3486	78	3	varying	vary	VERB
fsr-3486	78	4	levels	level	NOUN
fsr-3486	78	5	of	of	ADP
fsr-3486	78	6	financial	financial	ADJ
fsr-3486	78	7	planning	planning	NOUN
fsr-3486	78	8	in	in	ADP
fsr-3486	78	9	this	this	DET
fsr-3486	78	10	study	study	NOUN
fsr-3486	78	11	,	,	PUNCT
fsr-3486	78	12	we	we	PRON
fsr-3486	78	13	consider	consider	VERB
fsr-3486	78	14	four	four	NUM
fsr-3486	78	15	different	different	ADJ
fsr-3486	78	16	levels	level	NOUN
fsr-3486	78	17	of	of	ADP
fsr-3486	78	18	financial	financial	ADJ
fsr-3486	78	19	planning	planning	NOUN
fsr-3486	78	20	.	.	PUNCT
fsr-3486	79	1	“	"	PUNCT
fsr-3486	79	2	no	no	DET
fsr-3486	79	3	plan	plan	NOUN
fsr-3486	79	4	”	"	PUNCT
fsr-3486	79	5	refers	refer	VERB
fsr-3486	79	6	to	to	ADP
fsr-3486	79	7	respondents	respondent	NOUN
fsr-3486	79	8	who	who	PRON
fsr-3486	79	9	have	have	AUX
fsr-3486	79	10	not	not	PART
fsr-3486	79	11	calculated	calculate	VERB
fsr-3486	79	12	their	their	PRON
fsr-3486	79	13	retirement	retirement	NOUN
fsr-3486	79	14	needs	need	NOUN
fsr-3486	79	15	,	,	PUNCT
fsr-3486	79	16	nor	nor	CCONJ
fsr-3486	79	17	consulted	consult	VERB
fsr-3486	79	18	a	a	DET
fsr-3486	79	19	financial	financial	ADJ
fsr-3486	79	20	planner	planner	NOUN
fsr-3486	79	21	.	.	PUNCT
fsr-3486	80	1	these	these	PRON
fsr-3486	80	2	are	be	AUX
fsr-3486	80	3	individuals	individual	NOUN
fsr-3486	80	4	who	who	PRON
fsr-3486	80	5	are	be	AUX
fsr-3486	80	6	not	not	PART
fsr-3486	80	7	actively	actively	ADV
fsr-3486	80	8	involved	involve	VERB
fsr-3486	80	9	in	in	ADP
fsr-3486	80	10	managing	manage	VERB
fsr-3486	80	11	their	their	PRON
fsr-3486	80	12	financial	financial	ADJ
fsr-3486	80	13	situation	situation	NOUN
fsr-3486	80	14	.	.	PUNCT
fsr-3486	81	1	“	"	PUNCT
fsr-3486	81	2	retirement	retirement	NOUN
fsr-3486	81	3	only	only	ADV
fsr-3486	81	4	”	"	PUNCT
fsr-3486	81	5	refers	refer	VERB
fsr-3486	81	6	to	to	ADP
fsr-3486	81	7	respondents	respondent	NOUN
fsr-3486	81	8	who	who	PRON
fsr-3486	81	9	have	have	AUX
fsr-3486	81	10	only	only	ADV
fsr-3486	81	11	calculated	calculate	VERB
fsr-3486	81	12	their	their	PRON
fsr-3486	81	13	retirement	retirement	NOUN
fsr-3486	81	14	needs	need	NOUN
fsr-3486	81	15	but	but	CCONJ
fsr-3486	81	16	have	have	AUX
fsr-3486	81	17	not	not	PART
fsr-3486	81	18	consulted	consult	VERB
fsr-3486	81	19	a	a	DET
fsr-3486	81	20	financial	financial	ADJ
fsr-3486	81	21	planner	planner	NOUN
fsr-3486	81	22	.	.	PUNCT
fsr-3486	82	1	these	these	PRON
fsr-3486	82	2	are	be	AUX
fsr-3486	82	3	individuals	individual	NOUN
fsr-3486	82	4	who	who	PRON
fsr-3486	82	5	decide	decide	VERB
fsr-3486	82	6	to	to	PART
fsr-3486	82	7	manage	manage	VERB
fsr-3486	82	8	their	their	PRON
fsr-3486	82	9	finances	finance	NOUN
fsr-3486	82	10	without	without	ADP
fsr-3486	82	11	the	the	DET
fsr-3486	82	12	use	use	NOUN
fsr-3486	82	13	of	of	ADP
fsr-3486	82	14	outside	outside	ADJ
fsr-3486	82	15	help	help	NOUN
fsr-3486	82	16	.	.	PUNCT
fsr-3486	83	1	“	"	PUNCT
fsr-3486	83	2	plan	plan	VERB
fsr-3486	83	3	only	only	ADV
fsr-3486	83	4	”	"	PUNCT
fsr-3486	83	5	refers	refer	VERB
fsr-3486	83	6	to	to	ADP
fsr-3486	83	7	respondents	respondent	NOUN
fsr-3486	83	8	who	who	PRON
fsr-3486	83	9	have	have	AUX
fsr-3486	83	10	gotten	get	VERB
fsr-3486	83	11	advice	advice	NOUN
fsr-3486	83	12	from	from	ADP
fsr-3486	83	13	a	a	DET
fsr-3486	83	14	financial	financial	ADJ
fsr-3486	83	15	planner	planner	NOUN
fsr-3486	83	16	,	,	PUNCT
fsr-3486	83	17	instead	instead	ADV
fsr-3486	83	18	of	of	ADP
fsr-3486	83	19	relying	rely	VERB
fsr-3486	83	20	solely	solely	ADV
fsr-3486	83	21	on	on	ADP
fsr-3486	83	22	personal	personal	ADJ
fsr-3486	83	23	human	human	ADJ
fsr-3486	83	24	capital	capital	NOUN
fsr-3486	83	25	.	.	PUNCT
fsr-3486	84	1	these	these	PRON
fsr-3486	84	2	are	be	AUX
fsr-3486	84	3	individuals	individual	NOUN
fsr-3486	84	4	who	who	PRON
fsr-3486	84	5	have	have	AUX
fsr-3486	84	6	taken	take	VERB
fsr-3486	84	7	the	the	DET
fsr-3486	84	8	extra	extra	ADJ
fsr-3486	84	9	step	step	NOUN
fsr-3486	84	10	of	of	ADP
fsr-3486	84	11	consulting	consult	VERB
fsr-3486	84	12	a	a	DET
fsr-3486	84	13	professional	professional	NOUN
fsr-3486	84	14	.	.	PUNCT
fsr-3486	85	1	in	in	ADP
fsr-3486	85	2	this	this	DET
fsr-3486	85	3	case	case	NOUN
fsr-3486	85	4	they	they	PRON
fsr-3486	85	5	may	may	AUX
fsr-3486	85	6	have	have	AUX
fsr-3486	85	7	realized	realize	VERB
fsr-3486	85	8	that	that	SCONJ
fsr-3486	85	9	their	their	PRON
fsr-3486	85	10	financial	financial	ADJ
fsr-3486	85	11	situation	situation	NOUN
fsr-3486	85	12	is	be	AUX
fsr-3486	85	13	too	too	ADV
fsr-3486	85	14	complex	complex	ADJ
fsr-3486	85	15	to	to	PART
fsr-3486	85	16	manage	manage	VERB
fsr-3486	85	17	on	on	ADP
fsr-3486	85	18	their	their	PRON
fsr-3486	85	19	own	own	ADJ
fsr-3486	85	20	.	.	PUNCT
fsr-3486	86	1	“	"	PUNCT
fsr-3486	86	2	comprehensive	comprehensive	ADJ
fsr-3486	86	3	”	"	PUNCT
fsr-3486	86	4	refers	refer	VERB
fsr-3486	86	5	to	to	ADP
fsr-3486	86	6	respondents	respondent	NOUN
fsr-3486	86	7	who	who	PRON
fsr-3486	86	8	have	have	AUX
fsr-3486	86	9	both	both	PRON
fsr-3486	86	10	calculated	calculate	VERB
fsr-3486	86	11	their	their	PRON
fsr-3486	86	12	retirement	retirement	NOUN
fsr-3486	86	13	needs	need	NOUN
fsr-3486	86	14	and	and	CCONJ
fsr-3486	86	15	have	have	AUX
fsr-3486	86	16	consulted	consult	VERB
fsr-3486	86	17	a	a	DET
fsr-3486	86	18	financial	financial	ADJ
fsr-3486	86	19	planner	planner	NOUN
fsr-3486	86	20	.	.	PUNCT
fsr-3486	87	1	these	these	PRON
fsr-3486	87	2	are	be	AUX
fsr-3486	87	3	the	the	DET
fsr-3486	87	4	individuals	individual	NOUN
fsr-3486	87	5	208	208	NUM
fsr-3486	87	6	l.	l.	PROPN
fsr-3486	87	7	a.	a.	PROPN
fsr-3486	87	8	v.	v.	PROPN
fsr-3486	87	9	augustin	augustin	PROPN
fsr-3486	87	10	and	and	CCONJ
fsr-3486	87	11	t.	t.	PROPN
fsr-3486	87	12	k.	k.	PROPN
fsr-3486	87	13	martin	martin	PROPN
fsr-3486	87	14	/	/	SYM
fsr-3486	87	15	financial	financial	ADJ
fsr-3486	87	16	services	service	NOUN
fsr-3486	87	17	review	review	VERB
fsr-3486	87	18	30	30	NUM
fsr-3486	87	19	(	(	PUNCT
fsr-3486	87	20	2022	2022	NUM
fsr-3486	87	21	)	)	PUNCT
fsr-3486	87	22	205–222	205–222	NUM
fsr-3486	87	23	who	who	PRON
fsr-3486	87	24	take	take	VERB
fsr-3486	87	25	an	an	DET
fsr-3486	87	26	active	active	ADJ
fsr-3486	87	27	role	role	NOUN
fsr-3486	87	28	in	in	ADP
fsr-3486	87	29	managing	manage	VERB
fsr-3486	87	30	their	their	PRON
fsr-3486	87	31	finances	finance	NOUN
fsr-3486	87	32	as	as	ADV
fsr-3486	87	33	well	well	ADV
fsr-3486	87	34	as	as	ADP
fsr-3486	87	35	consulting	consult	VERB
fsr-3486	87	36	a	a	DET
fsr-3486	87	37	professional	professional	NOUN
fsr-3486	87	38	for	for	ADP
fsr-3486	87	39	advice	advice	NOUN
fsr-3486	87	40	(	(	PUNCT
fsr-3486	87	41	fig	fig	NOUN
fsr-3486	87	42	.	.	NOUN
fsr-3486	87	43	1	1	NUM
fsr-3486	87	44	)	)	PUNCT
fsr-3486	87	45	.	.	PUNCT
fsr-3486	88	1	using	use	VERB
fsr-3486	88	2	almost	almost	ADV
fsr-3486	88	3	any	any	PRON
fsr-3486	88	4	level	level	NOUN
fsr-3486	88	5	of	of	ADP
fsr-3486	88	6	financial	financial	ADJ
fsr-3486	88	7	planning	planning	NOUN
fsr-3486	88	8	is	be	AUX
fsr-3486	88	9	associated	associate	VERB
fsr-3486	88	10	with	with	ADP
fsr-3486	88	11	increased	increase	VERB
fsr-3486	88	12	saving	saving	NOUN
fsr-3486	88	13	for	for	ADP
fsr-3486	88	14	retirement	retirement	NOUN
fsr-3486	88	15	(	(	PUNCT
fsr-3486	88	16	van	van	NOUN
fsr-3486	88	17	rooij	rooij	NOUN
fsr-3486	88	18	et	et	PROPN
fsr-3486	88	19	al	al	PROPN
fsr-3486	88	20	.	.	PROPN
fsr-3486	88	21	,	,	PUNCT
fsr-3486	88	22	2012	2012	NUM
fsr-3486	88	23	)	)	PUNCT
fsr-3486	88	24	,	,	PUNCT
fsr-3486	88	25	greater	great	ADJ
fsr-3486	88	26	savings	saving	NOUN
fsr-3486	88	27	in	in	ADP
fsr-3486	88	28	general	general	ADJ
fsr-3486	88	29	(	(	PUNCT
fsr-3486	88	30	jappelli	jappelli	PROPN
fsr-3486	88	31	&	&	CCONJ
fsr-3486	88	32	padula	padula	PROPN
fsr-3486	88	33	,	,	PUNCT
fsr-3486	88	34	2013	2013	NUM
fsr-3486	88	35	)	)	PUNCT
fsr-3486	88	36	,	,	PUNCT
fsr-3486	88	37	increased	increase	VERB
fsr-3486	88	38	stock	stock	NOUN
fsr-3486	88	39	market	market	NOUN
fsr-3486	88	40	participation	participation	NOUN
fsr-3486	88	41	(	(	PUNCT
fsr-3486	88	42	van	van	NOUN
fsr-3486	88	43	rooij	rooij	NOUN
fsr-3486	88	44	et	et	PROPN
fsr-3486	88	45	al	al	PROPN
fsr-3486	88	46	.	.	PROPN
fsr-3486	88	47	,	,	PUNCT
fsr-3486	88	48	2011	2011	NUM
fsr-3486	88	49	)	)	PUNCT
fsr-3486	88	50	,	,	PUNCT
fsr-3486	88	51	greater	great	ADJ
fsr-3486	88	52	portfolio	portfolio	NOUN
fsr-3486	88	53	diversification	diversification	NOUN
fsr-3486	88	54	,	,	PUNCT
fsr-3486	88	55	and	and	CCONJ
fsr-3486	88	56	improved	improved	ADJ
fsr-3486	88	57	investment	investment	NOUN
fsr-3486	88	58	performance	performance	NOUN
fsr-3486	88	59	(	(	PUNCT
fsr-3486	88	60	hackethal	hackethal	NOUN
fsr-3486	88	61	et	et	PROPN
fsr-3486	88	62	al	al	PROPN
fsr-3486	88	63	.	.	PROPN
fsr-3486	88	64	,	,	PUNCT
fsr-3486	88	65	2012	2012	NUM
fsr-3486	88	66	)	)	PUNCT
fsr-3486	88	67	.	.	PUNCT
fsr-3486	89	1	individuals	individual	NOUN
fsr-3486	89	2	may	may	AUX
fsr-3486	89	3	choose	choose	VERB
fsr-3486	89	4	to	to	PART
fsr-3486	89	5	not	not	PART
fsr-3486	89	6	plan	plan	VERB
fsr-3486	89	7	for	for	ADP
fsr-3486	89	8	their	their	PRON
fsr-3486	89	9	financial	financial	ADJ
fsr-3486	89	10	futures	future	NOUN
fsr-3486	89	11	because	because	SCONJ
fsr-3486	89	12	they	they	PRON
fsr-3486	89	13	are	be	AUX
fsr-3486	89	14	overwhelmed	overwhelmed	ADJ
fsr-3486	89	15	with	with	ADP
fsr-3486	89	16	information	information	NOUN
fsr-3486	89	17	(	(	PUNCT
fsr-3486	89	18	j.	j.	PROPN
fsr-3486	89	19	r.	r.	PROPN
fsr-3486	89	20	agnew	agnew	PROPN
fsr-3486	89	21	&	&	CCONJ
fsr-3486	89	22	szykman	szykman	PROPN
fsr-3486	89	23	,	,	PUNCT
fsr-3486	89	24	2005	2005	NUM
fsr-3486	89	25	;	;	PUNCT
fsr-3486	89	26	schwab	schwab	PROPN
fsr-3486	89	27	et	et	PROPN
fsr-3486	89	28	al	al	PROPN
fsr-3486	89	29	.	.	PROPN
fsr-3486	89	30	,	,	PUNCT
fsr-3486	89	31	2008	2008	NUM
fsr-3486	89	32	)	)	PUNCT
fsr-3486	89	33	.	.	PUNCT
fsr-3486	90	1	this	this	DET
fsr-3486	90	2	principle	principle	NOUN
fsr-3486	90	3	can	can	AUX
fsr-3486	90	4	be	be	AUX
fsr-3486	90	5	applied	apply	VERB
fsr-3486	90	6	to	to	ADP
fsr-3486	90	7	individuals	individual	NOUN
fsr-3486	90	8	with	with	ADP
fsr-3486	90	9	formal	formal	ADJ
fsr-3486	90	10	,	,	PUNCT
fsr-3486	90	11	detailed	detailed	ADJ
fsr-3486	90	12	plans	plan	NOUN
fsr-3486	90	13	,	,	PUNCT
fsr-3486	90	14	versus	versus	ADP
fsr-3486	90	15	those	those	PRON
fsr-3486	90	16	who	who	PRON
fsr-3486	90	17	did	do	VERB
fsr-3486	90	18	nothing	nothing	PRON
fsr-3486	90	19	and	and	CCONJ
fsr-3486	90	20	or	or	CCONJ
fsr-3486	90	21	indulged	indulge	VERB
fsr-3486	90	22	in	in	ADP
fsr-3486	90	23	noncomprehensive	noncomprehensive	NOUN
fsr-3486	90	24	planning	planning	NOUN
fsr-3486	90	25	.	.	PUNCT
fsr-3486	91	1	doing	do	VERB
fsr-3486	91	2	nothing	nothing	PRON
fsr-3486	91	3	and	and	CCONJ
fsr-3486	91	4	having	have	VERB
fsr-3486	91	5	no	no	DET
fsr-3486	91	6	plan	plan	NOUN
fsr-3486	91	7	are	be	AUX
fsr-3486	91	8	not	not	PART
fsr-3486	91	9	the	the	DET
fsr-3486	91	10	same	same	ADJ
fsr-3486	91	11	.	.	PUNCT
fsr-3486	92	1	in	in	ADP
fsr-3486	92	2	situations	situation	NOUN
fsr-3486	92	3	with	with	ADP
fsr-3486	92	4	automatic	automatic	ADJ
fsr-3486	92	5	enrollment	enrollment	NOUN
fsr-3486	92	6	into	into	ADP
fsr-3486	92	7	retirement	retirement	NOUN
fsr-3486	92	8	plans	plan	NOUN
fsr-3486	92	9	,	,	PUNCT
fsr-3486	92	10	individuals	individual	NOUN
fsr-3486	92	11	“	"	PUNCT
fsr-3486	92	12	do	do	VERB
fsr-3486	92	13	nothing	nothing	PRON
fsr-3486	92	14	”	"	PUNCT
fsr-3486	92	15	but	but	CCONJ
fsr-3486	92	16	still	still	ADV
fsr-3486	92	17	have	have	VERB
fsr-3486	92	18	some	some	DET
fsr-3486	92	19	level	level	NOUN
fsr-3486	92	20	of	of	ADP
fsr-3486	92	21	financial	financial	ADJ
fsr-3486	92	22	planning	planning	NOUN
fsr-3486	92	23	(	(	PUNCT
fsr-3486	92	24	beshears	beshear	NOUN
fsr-3486	92	25	,	,	PUNCT
fsr-3486	92	26	choi	choi	NOUN
fsr-3486	92	27	,	,	PUNCT
fsr-3486	92	28	laibson	laibson	PROPN
fsr-3486	92	29	,	,	PUNCT
fsr-3486	92	30	&	&	CCONJ
fsr-3486	92	31	madrian	madrian	PROPN
fsr-3486	92	32	,	,	PUNCT
fsr-3486	92	33	2009	2009	NUM
fsr-3486	92	34	)	)	PUNCT
fsr-3486	92	35	.	.	PUNCT
fsr-3486	93	1	in	in	ADP
fsr-3486	93	2	this	this	DET
fsr-3486	93	3	case	case	NOUN
fsr-3486	93	4	it	it	PRON
fsr-3486	93	5	is	be	AUX
fsr-3486	93	6	done	do	VERB
fsr-3486	93	7	for	for	ADP
fsr-3486	93	8	them	they	PRON
fsr-3486	93	9	instead	instead	ADV
fsr-3486	93	10	of	of	ADP
fsr-3486	93	11	them	they	PRON
fsr-3486	93	12	being	be	AUX
fsr-3486	93	13	an	an	DET
fsr-3486	93	14	active	active	ADJ
fsr-3486	93	15	participant	participant	NOUN
fsr-3486	93	16	.	.	PUNCT
fsr-3486	94	1	individuals	individual	NOUN
fsr-3486	94	2	who	who	PRON
fsr-3486	94	3	do	do	VERB
fsr-3486	94	4	nothing	nothing	PRON
fsr-3486	94	5	would	would	AUX
fsr-3486	94	6	not	not	PART
fsr-3486	94	7	choose	choose	VERB
fsr-3486	94	8	to	to	PART
fsr-3486	94	9	enroll	enroll	VERB
fsr-3486	94	10	in	in	ADP
fsr-3486	94	11	retirement	retirement	NOUN
fsr-3486	94	12	plans	plan	NOUN
fsr-3486	94	13	where	where	SCONJ
fsr-3486	94	14	it	it	PRON
fsr-3486	94	15	is	be	AUX
fsr-3486	94	16	not	not	PART
fsr-3486	94	17	automatic	automatic	ADJ
fsr-3486	94	18	.	.	PUNCT
fsr-3486	95	1	they	they	PRON
fsr-3486	95	2	would	would	AUX
fsr-3486	95	3	fare	fare	VERB
fsr-3486	95	4	worse	bad	ADJ
fsr-3486	95	5	than	than	ADP
fsr-3486	95	6	those	those	PRON
fsr-3486	95	7	who	who	PRON
fsr-3486	95	8	auto	auto	NOUN
fsr-3486	95	9	enrolled	enrol	VERB
fsr-3486	95	10	as	as	SCONJ
fsr-3486	95	11	they	they	PRON
fsr-3486	95	12	would	would	AUX
fsr-3486	95	13	not	not	PART
fsr-3486	95	14	even	even	ADV
fsr-3486	95	15	have	have	VERB
fsr-3486	95	16	retirement	retirement	NOUN
fsr-3486	95	17	savings	saving	NOUN
fsr-3486	95	18	put	put	VERB
fsr-3486	95	19	in	in	ADP
fsr-3486	95	20	place	place	NOUN
fsr-3486	95	21	.	.	PUNCT
fsr-3486	96	1	individuals	individual	NOUN
fsr-3486	96	2	may	may	AUX
fsr-3486	96	3	choose	choose	VERB
fsr-3486	96	4	to	to	PART
fsr-3486	96	5	have	have	VERB
fsr-3486	96	6	no	no	DET
fsr-3486	96	7	plan	plan	NOUN
fsr-3486	96	8	,	,	PUNCT
fsr-3486	96	9	either	either	CCONJ
fsr-3486	96	10	as	as	ADP
fsr-3486	96	11	a	a	DET
fsr-3486	96	12	result	result	NOUN
fsr-3486	96	13	of	of	ADP
fsr-3486	96	14	ignorance	ignorance	NOUN
fsr-3486	96	15	or	or	CCONJ
fsr-3486	96	16	from	from	ADP
fsr-3486	96	17	being	be	AUX
fsr-3486	96	18	overwhelmed	overwhelm	VERB
fsr-3486	96	19	by	by	ADP
fsr-3486	96	20	options	option	NOUN
fsr-3486	96	21	(	(	PUNCT
fsr-3486	96	22	sethi	sethi	NOUN
fsr-3486	96	23	-	-	PUNCT
fsr-3486	96	24	iyengar	iyengar	ADJ
fsr-3486	96	25	,	,	PUNCT
fsr-3486	96	26	huberman	huberman	NOUN
fsr-3486	96	27	,	,	PUNCT
fsr-3486	96	28	&	&	CCONJ
fsr-3486	96	29	jiang	jiang	PROPN
fsr-3486	96	30	,	,	PUNCT
fsr-3486	96	31	2004	2004	NUM
fsr-3486	96	32	)	)	PUNCT
fsr-3486	96	33	.	.	PUNCT
fsr-3486	97	1	there	there	PRON
fsr-3486	97	2	is	be	VERB
fsr-3486	97	3	a	a	DET
fsr-3486	97	4	lot	lot	NOUN
fsr-3486	97	5	of	of	ADP
fsr-3486	97	6	information	information	NOUN
fsr-3486	97	7	widely	widely	ADV
fsr-3486	97	8	available	available	ADJ
fsr-3486	97	9	to	to	ADP
fsr-3486	97	10	the	the	DET
fsr-3486	97	11	public	public	NOUN
fsr-3486	97	12	when	when	SCONJ
fsr-3486	97	13	it	it	PRON
fsr-3486	97	14	comes	come	VERB
fsr-3486	97	15	to	to	ADP
fsr-3486	97	16	financial	financial	ADJ
fsr-3486	97	17	planning	planning	NOUN
fsr-3486	97	18	.	.	PUNCT
fsr-3486	98	1	in	in	ADP
fsr-3486	98	2	addition	addition	NOUN
fsr-3486	98	3	to	to	ADP
fsr-3486	98	4	the	the	DET
fsr-3486	98	5	lengthy	lengthy	ADJ
fsr-3486	98	6	prospectuses	prospectus	NOUN
fsr-3486	98	7	from	from	ADP
fsr-3486	98	8	investments	investment	NOUN
fsr-3486	98	9	,	,	PUNCT
fsr-3486	98	10	there	there	PRON
fsr-3486	98	11	is	be	VERB
fsr-3486	98	12	a	a	DET
fsr-3486	98	13	barrage	barrage	NOUN
fsr-3486	98	14	of	of	ADP
fsr-3486	98	15	advertising	advertising	NOUN
fsr-3486	98	16	.	.	PUNCT
fsr-3486	99	1	individuals	individual	NOUN
fsr-3486	99	2	are	be	AUX
fsr-3486	99	3	also	also	ADV
fsr-3486	99	4	bombarded	bombard	VERB
fsr-3486	99	5	with	with	ADP
fsr-3486	99	6	mobile	mobile	ADJ
fsr-3486	99	7	apps	app	NOUN
fsr-3486	99	8	that	that	PRON
fsr-3486	99	9	state	state	NOUN
fsr-3486	99	10	individuals	individual	NOUN
fsr-3486	99	11	can	can	AUX
fsr-3486	99	12	do	do	VERB
fsr-3486	99	13	all	all	DET
fsr-3486	99	14	their	their	PRON
fsr-3486	99	15	own	own	ADJ
fsr-3486	99	16	planning	planning	NOUN
fsr-3486	99	17	.	.	PUNCT
fsr-3486	100	1	this	this	DET
fsr-3486	100	2	information	information	NOUN
fsr-3486	100	3	overload	overload	NOUN
fsr-3486	100	4	can	can	AUX
fsr-3486	100	5	lead	lead	VERB
fsr-3486	100	6	to	to	ADP
fsr-3486	100	7	paralysis	paralysis	NOUN
fsr-3486	100	8	and	and	CCONJ
fsr-3486	100	9	inaction	inaction	NOUN
fsr-3486	100	10	when	when	SCONJ
fsr-3486	100	11	it	it	PRON
fsr-3486	100	12	comes	come	VERB
fsr-3486	100	13	to	to	ADP
fsr-3486	100	14	financial	financial	ADJ
fsr-3486	100	15	planning	planning	NOUN
fsr-3486	100	16	(	(	PUNCT
fsr-3486	100	17	j.	j.	PROPN
fsr-3486	100	18	r.	r.	PROPN
fsr-3486	100	19	agnew	agnew	PROPN
fsr-3486	100	20	&	&	CCONJ
fsr-3486	100	21	szykman	szykman	PROPN
fsr-3486	100	22	,	,	PUNCT
fsr-3486	100	23	2005	2005	NUM
fsr-3486	100	24	;	;	PUNCT
fsr-3486	100	25	sethi	sethi	NOUN
fsr-3486	100	26	-	-	PUNCT
fsr-3486	100	27	iyengar	iyengar	ADJ
fsr-3486	100	28	,	,	PUNCT
fsr-3486	100	29	huberman	huberman	NOUN
fsr-3486	100	30	,	,	PUNCT
fsr-3486	100	31	&	&	CCONJ
fsr-3486	100	32	jiang	jiang	PROPN
fsr-3486	100	33	,	,	PUNCT
fsr-3486	100	34	2004	2004	NUM
fsr-3486	100	35	)	)	PUNCT
fsr-3486	100	36	.	.	PUNCT
fsr-3486	101	1	individuals	individual	NOUN
fsr-3486	101	2	who	who	PRON
fsr-3486	101	3	become	become	VERB
fsr-3486	101	4	overwhelmed	overwhelmed	ADJ
fsr-3486	101	5	may	may	AUX
fsr-3486	101	6	choose	choose	VERB
fsr-3486	101	7	to	to	PART
fsr-3486	101	8	do	do	VERB
fsr-3486	101	9	nothing	nothing	PRON
fsr-3486	101	10	because	because	SCONJ
fsr-3486	101	11	they	they	PRON
fsr-3486	101	12	can	can	AUX
fsr-3486	101	13	not	not	PART
fsr-3486	101	14	sift	sift	VERB
fsr-3486	101	15	through	through	ADP
fsr-3486	101	16	the	the	DET
fsr-3486	101	17	relevant	relevant	ADJ
fsr-3486	101	18	information	information	NOUN
fsr-3486	101	19	.	.	PUNCT
fsr-3486	102	1	individuals	individual	NOUN
fsr-3486	102	2	may	may	AUX
fsr-3486	102	3	choose	choose	VERB
fsr-3486	102	4	to	to	PART
fsr-3486	102	5	calculate	calculate	VERB
fsr-3486	102	6	their	their	PRON
fsr-3486	102	7	retirement	retirement	NOUN
fsr-3486	102	8	needs	need	NOUN
fsr-3486	102	9	on	on	ADP
fsr-3486	102	10	their	their	PRON
fsr-3486	102	11	own	own	ADJ
fsr-3486	102	12	and	and	CCONJ
fsr-3486	102	13	forgo	forgo	VERB
fsr-3486	102	14	seeking	seek	VERB
fsr-3486	102	15	professional	professional	ADJ
fsr-3486	102	16	advice	advice	NOUN
fsr-3486	102	17	.	.	PUNCT
fsr-3486	103	1	individuals	individual	NOUN
fsr-3486	103	2	who	who	PRON
fsr-3486	103	3	either	either	CCONJ
fsr-3486	103	4	calculate	calculate	VERB
fsr-3486	103	5	their	their	PRON
fsr-3486	103	6	own	own	ADJ
fsr-3486	103	7	retirement	retirement	NOUN
fsr-3486	103	8	needs	need	NOUN
fsr-3486	103	9	or	or	CCONJ
fsr-3486	103	10	seek	seek	VERB
fsr-3486	103	11	professional	professional	ADJ
fsr-3486	103	12	advice	advice	NOUN
fsr-3486	103	13	tend	tend	VERB
fsr-3486	103	14	to	to	PART
fsr-3486	103	15	have	have	VERB
fsr-3486	103	16	higher	high	ADJ
fsr-3486	103	17	net	net	ADJ
fsr-3486	103	18	worth	worth	NOUN
fsr-3486	103	19	(	(	PUNCT
fsr-3486	103	20	hanna	hanna	NOUN
fsr-3486	103	21	,	,	PUNCT
fsr-3486	103	22	2011	2011	NUM
fsr-3486	103	23	)	)	PUNCT
fsr-3486	103	24	,	,	PUNCT
fsr-3486	103	25	compared	compare	VERB
fsr-3486	103	26	with	with	ADP
fsr-3486	103	27	those	those	PRON
fsr-3486	103	28	who	who	PRON
fsr-3486	103	29	do	do	VERB
fsr-3486	103	30	no	no	DET
fsr-3486	103	31	planning	planning	NOUN
fsr-3486	103	32	.	.	PUNCT
fsr-3486	104	1	individuals	individual	NOUN
fsr-3486	104	2	who	who	PRON
fsr-3486	104	3	calculate	calculate	VERB
fsr-3486	104	4	their	their	PRON
fsr-3486	104	5	retirement	retirement	NOUN
fsr-3486	104	6	needs	need	NOUN
fsr-3486	104	7	can	can	AUX
fsr-3486	104	8	more	more	ADV
fsr-3486	104	9	effectively	effectively	ADV
fsr-3486	104	10	manage	manage	VERB
fsr-3486	104	11	their	their	PRON
fsr-3486	104	12	401(k	401(k	NOUN
fsr-3486	104	13	)	)	PUNCT
fsr-3486	104	14	contributions	contribution	NOUN
fsr-3486	104	15	than	than	ADP
fsr-3486	104	16	those	those	PRON
fsr-3486	104	17	who	who	PRON
fsr-3486	104	18	do	do	VERB
fsr-3486	104	19	no	no	DET
fsr-3486	104	20	planning	planning	NOUN
fsr-3486	104	21	.	.	PUNCT
fsr-3486	105	1	those	those	PRON
fsr-3486	105	2	who	who	PRON
fsr-3486	105	3	contribute	contribute	VERB
fsr-3486	105	4	regularly	regularly	ADV
fsr-3486	105	5	are	be	AUX
fsr-3486	105	6	more	more	ADV
fsr-3486	105	7	likely	likely	ADJ
fsr-3486	105	8	to	to	PART
fsr-3486	105	9	be	be	AUX
fsr-3486	105	10	better	well	ADV
fsr-3486	105	11	prepared	prepare	VERB
fsr-3486	105	12	for	for	ADP
fsr-3486	105	13	retirement	retirement	NOUN
fsr-3486	105	14	than	than	ADP
fsr-3486	105	15	those	those	PRON
fsr-3486	105	16	who	who	PRON
fsr-3486	105	17	do	do	VERB
fsr-3486	105	18	not	not	PART
fsr-3486	105	19	.	.	PUNCT
fsr-3486	106	1	contributions	contribution	NOUN
fsr-3486	106	2	can	can	AUX
fsr-3486	106	3	affect	affect	VERB
fsr-3486	106	4	future	future	ADJ
fsr-3486	106	5	taxation	taxation	NOUN
fsr-3486	106	6	(	(	PUNCT
fsr-3486	106	7	gokhale	gokhale	NOUN
fsr-3486	106	8	&	&	CCONJ
fsr-3486	106	9	kotlikoff	kotlikoff	PROPN
fsr-3486	106	10	,	,	PUNCT
fsr-3486	106	11	2003	2003	NUM
fsr-3486	106	12	)	)	PUNCT
fsr-3486	106	13	,	,	PUNCT
fsr-3486	106	14	so	so	CCONJ
fsr-3486	106	15	in	in	ADP
fsr-3486	106	16	this	this	DET
fsr-3486	106	17	case	case	NOUN
fsr-3486	106	18	it	it	PRON
fsr-3486	106	19	may	may	AUX
fsr-3486	106	20	be	be	AUX
fsr-3486	106	21	wise	wise	ADJ
fsr-3486	106	22	to	to	PART
fsr-3486	106	23	seek	seek	VERB
fsr-3486	106	24	additional	additional	ADJ
fsr-3486	106	25	levels	level	NOUN
fsr-3486	106	26	of	of	ADP
fsr-3486	106	27	financial	financial	ADJ
fsr-3486	106	28	planning	planning	NOUN
fsr-3486	106	29	,	,	PUNCT
fsr-3486	106	30	like	like	ADP
fsr-3486	106	31	from	from	ADP
fsr-3486	106	32	a	a	DET
fsr-3486	106	33	professional	professional	NOUN
fsr-3486	106	34	.	.	PUNCT
fsr-3486	107	1	individuals	individual	NOUN
fsr-3486	107	2	who	who	PRON
fsr-3486	107	3	calculate	calculate	VERB
fsr-3486	107	4	their	their	PRON
fsr-3486	107	5	retirement	retirement	NOUN
fsr-3486	107	6	needs	need	NOUN
fsr-3486	107	7	only	only	ADV
fsr-3486	107	8	may	may	AUX
fsr-3486	107	9	shortchange	shortchange	VERB
fsr-3486	107	10	themselves	themselves	PRON
fsr-3486	107	11	as	as	SCONJ
fsr-3486	107	12	they	they	PRON
fsr-3486	107	13	are	be	AUX
fsr-3486	107	14	only	only	ADV
fsr-3486	107	15	focused	focus	VERB
fsr-3486	107	16	on	on	ADP
fsr-3486	107	17	one	one	NUM
fsr-3486	107	18	area	area	NOUN
fsr-3486	107	19	of	of	ADP
fsr-3486	107	20	their	their	PRON
fsr-3486	107	21	financial	financial	ADJ
fsr-3486	107	22	lives	life	NOUN
fsr-3486	107	23	.	.	PUNCT
fsr-3486	108	1	they	they	PRON
fsr-3486	108	2	may	may	AUX
fsr-3486	108	3	be	be	AUX
fsr-3486	108	4	overlooking	overlook	VERB
fsr-3486	108	5	items	item	NOUN
fsr-3486	108	6	such	such	ADJ
fsr-3486	108	7	as	as	ADP
fsr-3486	108	8	wills	will	NOUN
fsr-3486	108	9	and	and	CCONJ
fsr-3486	108	10	healthcare	healthcare	NOUN
fsr-3486	108	11	if	if	SCONJ
fsr-3486	108	12	they	they	PRON
fsr-3486	108	13	only	only	ADV
fsr-3486	108	14	focus	focus	VERB
fsr-3486	108	15	on	on	ADP
fsr-3486	108	16	retirement	retirement	NOUN
fsr-3486	108	17	.	.	PUNCT
fsr-3486	109	1	healthcare	healthcare	NOUN
fsr-3486	109	2	costs	cost	NOUN
fsr-3486	109	3	can	can	AUX
fsr-3486	109	4	skyrocket	skyrocket	VERB
fsr-3486	109	5	as	as	SCONJ
fsr-3486	109	6	people	people	NOUN
fsr-3486	109	7	age	age	NOUN
fsr-3486	109	8	and	and	CCONJ
fsr-3486	109	9	this	this	PRON
fsr-3486	109	10	can	can	AUX
fsr-3486	109	11	be	be	AUX
fsr-3486	109	12	fig	fig	NOUN
fsr-3486	109	13	.	.	PUNCT
fsr-3486	110	1	1	1	X
fsr-3486	110	2	.	.	X
fsr-3486	110	3	levels	level	NOUN
fsr-3486	110	4	of	of	ADP
fsr-3486	110	5	financial	financial	ADJ
fsr-3486	110	6	planning	planning	NOUN
fsr-3486	110	7	.	.	PUNCT
fsr-3486	111	1	l.	l.	PROPN
fsr-3486	111	2	a.	a.	PROPN
fsr-3486	111	3	v.	v.	PROPN
fsr-3486	111	4	augustin	augustin	PROPN
fsr-3486	111	5	and	and	CCONJ
fsr-3486	111	6	t.	t.	PROPN
fsr-3486	111	7	k.	k.	PROPN
fsr-3486	111	8	martin	martin	PROPN
fsr-3486	111	9	/	/	SYM
fsr-3486	111	10	financial	financial	ADJ
fsr-3486	111	11	services	service	NOUN
fsr-3486	111	12	review	review	VERB
fsr-3486	111	13	30	30	NUM
fsr-3486	111	14	(	(	PUNCT
fsr-3486	111	15	2022	2022	NUM
fsr-3486	111	16	)	)	PUNCT
fsr-3486	111	17	205–222	205–222	NUM
fsr-3486	111	18	209	209	NUM
fsr-3486	111	19	burdensome	burdensome	ADJ
fsr-3486	111	20	with	with	ADP
fsr-3486	111	21	limited	limited	ADJ
fsr-3486	111	22	income	income	NOUN
fsr-3486	111	23	during	during	ADP
fsr-3486	111	24	retirement	retirement	NOUN
fsr-3486	111	25	(	(	PUNCT
fsr-3486	111	26	butrica	butrica	PROPN
fsr-3486	111	27	,	,	PUNCT
fsr-3486	111	28	goldwyn	goldwyn	NOUN
fsr-3486	111	29	,	,	PUNCT
fsr-3486	111	30	&	&	CCONJ
fsr-3486	111	31	johnson	johnson	PROPN
fsr-3486	111	32	,	,	PUNCT
fsr-3486	111	33	2005	2005	NUM
fsr-3486	111	34	)	)	PUNCT
fsr-3486	111	35	.	.	PUNCT
fsr-3486	112	1	working	work	VERB
fsr-3486	112	2	with	with	ADP
fsr-3486	112	3	a	a	DET
fsr-3486	112	4	professional	professional	NOUN
fsr-3486	112	5	may	may	AUX
fsr-3486	112	6	have	have	VERB
fsr-3486	112	7	the	the	DET
fsr-3486	112	8	same	same	ADJ
fsr-3486	112	9	pitfalls	pitfall	NOUN
fsr-3486	112	10	as	as	ADP
fsr-3486	112	11	focusing	focus	VERB
fsr-3486	112	12	solely	solely	ADV
fsr-3486	112	13	on	on	ADP
fsr-3486	112	14	retirement	retirement	NOUN
fsr-3486	112	15	,	,	PUNCT
fsr-3486	112	16	if	if	SCONJ
fsr-3486	112	17	the	the	DET
fsr-3486	112	18	professional	professional	NOUN
fsr-3486	112	19	does	do	AUX
fsr-3486	112	20	not	not	PART
fsr-3486	112	21	offer	offer	VERB
fsr-3486	112	22	comprehensive	comprehensive	ADJ
fsr-3486	112	23	advice	advice	NOUN
fsr-3486	112	24	.	.	PUNCT
fsr-3486	113	1	due	due	ADP
fsr-3486	113	2	to	to	ADP
fsr-3486	113	3	the	the	DET
fsr-3486	113	4	complex	complex	ADJ
fsr-3486	113	5	nature	nature	NOUN
fsr-3486	113	6	of	of	ADP
fsr-3486	113	7	the	the	DET
fsr-3486	113	8	financial	financial	ADJ
fsr-3486	113	9	arena	arena	NOUN
fsr-3486	113	10	,	,	PUNCT
fsr-3486	113	11	individuals	individual	NOUN
fsr-3486	113	12	may	may	AUX
fsr-3486	113	13	choose	choose	VERB
fsr-3486	113	14	to	to	PART
fsr-3486	113	15	rent	rent	VERB
fsr-3486	113	16	the	the	DET
fsr-3486	113	17	human	human	ADJ
fsr-3486	113	18	capital	capital	NOUN
fsr-3486	113	19	of	of	ADP
fsr-3486	113	20	a	a	DET
fsr-3486	113	21	professional	professional	NOUN
fsr-3486	113	22	rather	rather	ADV
fsr-3486	113	23	than	than	ADP
fsr-3486	113	24	invest	invest	VERB
fsr-3486	113	25	in	in	ADP
fsr-3486	113	26	increasing	increase	VERB
fsr-3486	113	27	their	their	PRON
fsr-3486	113	28	own	own	ADJ
fsr-3486	113	29	financial	financial	ADJ
fsr-3486	113	30	literacy	literacy	NOUN
fsr-3486	113	31	.	.	PUNCT
fsr-3486	114	1	individuals	individual	NOUN
fsr-3486	114	2	who	who	PRON
fsr-3486	114	3	seek	seek	VERB
fsr-3486	114	4	a	a	DET
fsr-3486	114	5	financial	financial	ADJ
fsr-3486	114	6	planner	planner	NOUN
fsr-3486	114	7	may	may	AUX
fsr-3486	114	8	not	not	PART
fsr-3486	114	9	wish	wish	VERB
fsr-3486	114	10	to	to	PART
fsr-3486	114	11	do	do	VERB
fsr-3486	114	12	their	their	PRON
fsr-3486	114	13	own	own	ADJ
fsr-3486	114	14	financial	financial	ADJ
fsr-3486	114	15	planning	planning	NOUN
fsr-3486	114	16	.	.	PUNCT
fsr-3486	115	1	there	there	PRON
fsr-3486	115	2	are	be	VERB
fsr-3486	115	3	multiple	multiple	ADJ
fsr-3486	115	4	definitions	definition	NOUN
fsr-3486	115	5	of	of	ADP
fsr-3486	115	6	financial	financial	ADJ
fsr-3486	115	7	planners	planner	NOUN
fsr-3486	115	8	and	and	CCONJ
fsr-3486	115	9	each	each	DET
fsr-3486	115	10	one	one	NOUN
fsr-3486	115	11	offers	offer	VERB
fsr-3486	115	12	different	different	ADJ
fsr-3486	115	13	services	service	NOUN
fsr-3486	115	14	(	(	PUNCT
fsr-3486	115	15	elmerick	elmerick	PROPN
fsr-3486	115	16	,	,	PUNCT
fsr-3486	115	17	montalto	montalto	PROPN
fsr-3486	115	18	,	,	PUNCT
fsr-3486	115	19	&	&	CCONJ
fsr-3486	115	20	fox	fox	PROPN
fsr-3486	115	21	,	,	PUNCT
fsr-3486	115	22	2002	2002	NUM
fsr-3486	115	23	)	)	PUNCT
fsr-3486	115	24	.	.	PUNCT
fsr-3486	116	1	while	while	SCONJ
fsr-3486	116	2	there	there	PRON
fsr-3486	116	3	is	be	VERB
fsr-3486	116	4	much	much	ADJ
fsr-3486	116	5	to	to	PART
fsr-3486	116	6	be	be	AUX
fsr-3486	116	7	said	say	VERB
fsr-3486	116	8	about	about	ADP
fsr-3486	116	9	variation	variation	NOUN
fsr-3486	116	10	in	in	ADP
fsr-3486	116	11	the	the	DET
fsr-3486	116	12	types	type	NOUN
fsr-3486	116	13	of	of	ADP
fsr-3486	116	14	advice	advice	NOUN
fsr-3486	116	15	and	and	CCONJ
fsr-3486	116	16	advice	advice	NOUN
fsr-3486	116	17	quality	quality	NOUN
fsr-3486	116	18	,	,	PUNCT
fsr-3486	116	19	we	we	PRON
fsr-3486	116	20	focus	focus	VERB
fsr-3486	116	21	on	on	ADP
fsr-3486	116	22	the	the	DET
fsr-3486	116	23	evidence	evidence	NOUN
fsr-3486	116	24	related	relate	VERB
fsr-3486	116	25	to	to	ADP
fsr-3486	116	26	engaging	engage	VERB
fsr-3486	116	27	a	a	DET
fsr-3486	116	28	financial	financial	ADJ
fsr-3486	116	29	professional	professional	NOUN
fsr-3486	116	30	and	and	CCONJ
fsr-3486	116	31	how	how	SCONJ
fsr-3486	116	32	that	that	DET
fsr-3486	116	33	decision	decision	NOUN
fsr-3486	116	34	is	be	AUX
fsr-3486	116	35	related	relate	VERB
fsr-3486	116	36	to	to	ADP
fsr-3486	116	37	the	the	DET
fsr-3486	116	38	outcomes	outcome	NOUN
fsr-3486	116	39	that	that	PRON
fsr-3486	116	40	individuals	individual	NOUN
fsr-3486	116	41	experience	experience	VERB
fsr-3486	116	42	.	.	PUNCT
fsr-3486	117	1	financial	financial	ADJ
fsr-3486	117	2	planners	planner	NOUN
fsr-3486	117	3	are	be	AUX
fsr-3486	117	4	specialists	specialist	NOUN
fsr-3486	117	5	in	in	ADP
fsr-3486	117	6	their	their	PRON
fsr-3486	117	7	field	field	NOUN
fsr-3486	117	8	.	.	PUNCT
fsr-3486	118	1	they	they	PRON
fsr-3486	118	2	have	have	AUX
fsr-3486	118	3	invested	invest	VERB
fsr-3486	118	4	considerable	considerable	ADJ
fsr-3486	118	5	amounts	amount	NOUN
fsr-3486	118	6	of	of	ADP
fsr-3486	118	7	time	time	NOUN
fsr-3486	118	8	studying	study	VERB
fsr-3486	118	9	the	the	DET
fsr-3486	118	10	complexities	complexity	NOUN
fsr-3486	118	11	of	of	ADP
fsr-3486	118	12	the	the	DET
fsr-3486	118	13	financial	financial	ADJ
fsr-3486	118	14	area	area	NOUN
fsr-3486	118	15	so	so	SCONJ
fsr-3486	118	16	they	they	PRON
fsr-3486	118	17	can	can	AUX
fsr-3486	118	18	give	give	VERB
fsr-3486	118	19	advice	advice	NOUN
fsr-3486	118	20	.	.	PUNCT
fsr-3486	119	1	use	use	NOUN
fsr-3486	119	2	of	of	ADP
fsr-3486	119	3	financial	financial	ADJ
fsr-3486	119	4	planners	planner	NOUN
fsr-3486	119	5	is	be	AUX
fsr-3486	119	6	associated	associate	VERB
fsr-3486	119	7	with	with	ADP
fsr-3486	119	8	positive	positive	ADJ
fsr-3486	119	9	financial	financial	ADJ
fsr-3486	119	10	outcomes	outcome	NOUN
fsr-3486	119	11	.	.	PUNCT
fsr-3486	120	1	financial	financial	ADJ
fsr-3486	120	2	planners	planner	NOUN
fsr-3486	120	3	can	can	AUX
fsr-3486	120	4	help	help	VERB
fsr-3486	120	5	individuals	individual	NOUN
fsr-3486	120	6	understand	understand	VERB
fsr-3486	120	7	the	the	DET
fsr-3486	120	8	risk	risk	NOUN
fsr-3486	120	9	associated	associate	VERB
fsr-3486	120	10	with	with	ADP
fsr-3486	120	11	holding	hold	VERB
fsr-3486	120	12	on	on	ADP
fsr-3486	120	13	to	to	ADP
fsr-3486	120	14	losing	lose	VERB
fsr-3486	120	15	stocks	stock	NOUN
fsr-3486	120	16	.	.	PUNCT
fsr-3486	121	1	they	they	PRON
fsr-3486	121	2	can	can	AUX
fsr-3486	121	3	also	also	ADV
fsr-3486	121	4	help	help	VERB
fsr-3486	121	5	set	set	VERB
fsr-3486	121	6	up	up	ADP
fsr-3486	121	7	investment	investment	NOUN
fsr-3486	121	8	plans	plan	NOUN
fsr-3486	121	9	that	that	PRON
fsr-3486	121	10	prevent	prevent	VERB
fsr-3486	121	11	individuals	individual	NOUN
fsr-3486	121	12	from	from	ADP
fsr-3486	121	13	constantly	constantly	ADV
fsr-3486	121	14	buying	buy	VERB
fsr-3486	121	15	and	and	CCONJ
fsr-3486	121	16	selling	selling	NOUN
fsr-3486	121	17	;	;	PUNCT
fsr-3486	121	18	thereby	thereby	ADV
fsr-3486	121	19	,	,	PUNCT
fsr-3486	121	20	losing	lose	VERB
fsr-3486	121	21	money	money	NOUN
fsr-3486	121	22	(	(	PUNCT
fsr-3486	121	23	barber	barber	PROPN
fsr-3486	121	24	&	&	CCONJ
fsr-3486	121	25	odean	odean	ADJ
fsr-3486	121	26	,	,	PUNCT
fsr-3486	121	27	2000	2000	NUM
fsr-3486	121	28	)	)	PUNCT
fsr-3486	121	29	.	.	PUNCT
fsr-3486	122	1	finally	finally	ADV
fsr-3486	122	2	,	,	PUNCT
fsr-3486	122	3	individuals	individual	NOUN
fsr-3486	122	4	may	may	AUX
fsr-3486	122	5	choose	choose	VERB
fsr-3486	122	6	a	a	DET
fsr-3486	122	7	comprehensive	comprehensive	ADJ
fsr-3486	122	8	level	level	NOUN
fsr-3486	122	9	of	of	ADP
fsr-3486	122	10	financial	financial	ADJ
fsr-3486	122	11	planning	planning	NOUN
fsr-3486	122	12	.	.	PUNCT
fsr-3486	123	1	at	at	ADP
fsr-3486	123	2	this	this	DET
fsr-3486	123	3	point	point	NOUN
fsr-3486	123	4	,	,	PUNCT
fsr-3486	123	5	individuals	individual	NOUN
fsr-3486	123	6	would	would	AUX
fsr-3486	123	7	have	have	AUX
fsr-3486	123	8	looked	look	VERB
fsr-3486	123	9	at	at	ADP
fsr-3486	123	10	their	their	PRON
fsr-3486	123	11	own	own	ADJ
fsr-3486	123	12	financial	financial	ADJ
fsr-3486	123	13	situation	situation	NOUN
fsr-3486	123	14	as	as	ADV
fsr-3486	123	15	well	well	ADV
fsr-3486	123	16	as	as	ADP
fsr-3486	123	17	recognizing	recognize	VERB
fsr-3486	123	18	the	the	DET
fsr-3486	123	19	need	need	NOUN
fsr-3486	123	20	for	for	ADP
fsr-3486	123	21	outside	outside	ADJ
fsr-3486	123	22	help	help	NOUN
fsr-3486	123	23	.	.	PUNCT
fsr-3486	124	1	they	they	PRON
fsr-3486	124	2	may	may	AUX
fsr-3486	124	3	have	have	AUX
fsr-3486	124	4	decided	decide	VERB
fsr-3486	124	5	that	that	SCONJ
fsr-3486	124	6	they	they	PRON
fsr-3486	124	7	should	should	AUX
fsr-3486	124	8	take	take	VERB
fsr-3486	124	9	an	an	DET
fsr-3486	124	10	active	active	ADJ
fsr-3486	124	11	part	part	NOUN
fsr-3486	124	12	in	in	ADP
fsr-3486	124	13	planning	plan	VERB
fsr-3486	124	14	their	their	PRON
fsr-3486	124	15	financial	financial	ADJ
fsr-3486	124	16	future	future	NOUN
fsr-3486	124	17	but	but	CCONJ
fsr-3486	124	18	also	also	ADV
fsr-3486	124	19	recognize	recognize	VERB
fsr-3486	124	20	the	the	DET
fsr-3486	124	21	need	need	NOUN
fsr-3486	124	22	for	for	ADP
fsr-3486	124	23	professional	professional	ADJ
fsr-3486	124	24	services	service	NOUN
fsr-3486	124	25	.	.	PUNCT
fsr-3486	125	1	even	even	ADV
fsr-3486	125	2	when	when	SCONJ
fsr-3486	125	3	seeking	seek	VERB
fsr-3486	125	4	the	the	DET
fsr-3486	125	5	help	help	NOUN
fsr-3486	125	6	of	of	ADP
fsr-3486	125	7	a	a	DET
fsr-3486	125	8	professional	professional	NOUN
fsr-3486	125	9	it	it	PRON
fsr-3486	125	10	would	would	AUX
fsr-3486	125	11	be	be	AUX
fsr-3486	125	12	wise	wise	ADJ
fsr-3486	125	13	for	for	SCONJ
fsr-3486	125	14	individuals	individual	NOUN
fsr-3486	125	15	to	to	PART
fsr-3486	125	16	maintain	maintain	VERB
fsr-3486	125	17	some	some	DET
fsr-3486	125	18	level	level	NOUN
fsr-3486	125	19	of	of	ADP
fsr-3486	125	20	financial	financial	ADJ
fsr-3486	125	21	literacy	literacy	NOUN
fsr-3486	125	22	so	so	SCONJ
fsr-3486	125	23	they	they	PRON
fsr-3486	125	24	can	can	AUX
fsr-3486	125	25	be	be	AUX
fsr-3486	125	26	aware	aware	ADJ
fsr-3486	125	27	of	of	ADP
fsr-3486	125	28	the	the	DET
fsr-3486	125	29	level	level	NOUN
fsr-3486	125	30	of	of	ADP
fsr-3486	125	31	assistance	assistance	NOUN
fsr-3486	125	32	they	they	PRON
fsr-3486	125	33	are	be	AUX
fsr-3486	125	34	getting	get	VERB
fsr-3486	125	35	.	.	PUNCT
fsr-3486	126	1	individuals	individual	NOUN
fsr-3486	126	2	would	would	AUX
fsr-3486	126	3	still	still	ADV
fsr-3486	126	4	need	need	VERB
fsr-3486	126	5	to	to	PART
fsr-3486	126	6	understand	understand	VERB
fsr-3486	126	7	the	the	DET
fsr-3486	126	8	workings	working	NOUN
fsr-3486	126	9	of	of	ADP
fsr-3486	126	10	their	their	PRON
fsr-3486	126	11	financial	financial	ADJ
fsr-3486	126	12	situation	situation	NOUN
fsr-3486	126	13	instead	instead	ADV
fsr-3486	126	14	of	of	ADP
fsr-3486	126	15	simply	simply	ADV
fsr-3486	126	16	leaving	leave	VERB
fsr-3486	126	17	it	it	PRON
fsr-3486	126	18	all	all	PRON
fsr-3486	126	19	in	in	ADP
fsr-3486	126	20	the	the	DET
fsr-3486	126	21	hands	hand	NOUN
fsr-3486	126	22	of	of	ADP
fsr-3486	126	23	the	the	DET
fsr-3486	126	24	professional	professional	NOUN
fsr-3486	126	25	.	.	PUNCT
fsr-3486	127	1	individuals	individual	NOUN
fsr-3486	127	2	who	who	PRON
fsr-3486	127	3	are	be	AUX
fsr-3486	127	4	aware	aware	ADJ
fsr-3486	127	5	of	of	ADP
fsr-3486	127	6	their	their	PRON
fsr-3486	127	7	financial	financial	ADJ
fsr-3486	127	8	standing	standing	NOUN
fsr-3486	127	9	tend	tend	VERB
fsr-3486	127	10	to	to	PART
fsr-3486	127	11	make	make	VERB
fsr-3486	127	12	better	well	ADJ
fsr-3486	127	13	informed	informed	ADJ
fsr-3486	127	14	decisions	decision	NOUN
fsr-3486	127	15	than	than	ADP
fsr-3486	127	16	those	those	PRON
fsr-3486	127	17	who	who	PRON
fsr-3486	127	18	are	be	AUX
fsr-3486	127	19	not	not	PART
fsr-3486	127	20	.	.	PUNCT
fsr-3486	128	1	individuals	individual	NOUN
fsr-3486	128	2	who	who	PRON
fsr-3486	128	3	choose	choose	VERB
fsr-3486	128	4	the	the	DET
fsr-3486	128	5	comprehensive	comprehensive	ADJ
fsr-3486	128	6	level	level	NOUN
fsr-3486	128	7	of	of	ADP
fsr-3486	128	8	financial	financial	ADJ
fsr-3486	128	9	planning	planning	NOUN
fsr-3486	128	10	seek	seek	VERB
fsr-3486	128	11	help	help	NOUN
fsr-3486	128	12	from	from	ADP
fsr-3486	128	13	some	some	DET
fsr-3486	128	14	financial	financial	ADJ
fsr-3486	128	15	planning	planning	NOUN
fsr-3486	128	16	professional	professional	NOUN
fsr-3486	128	17	.	.	PUNCT
fsr-3486	129	1	financial	financial	ADJ
fsr-3486	129	2	planners	planner	NOUN
fsr-3486	129	3	can	can	AUX
fsr-3486	129	4	guide	guide	VERB
fsr-3486	129	5	individuals	individual	NOUN
fsr-3486	129	6	to	to	ADP
fsr-3486	129	7	the	the	DET
fsr-3486	129	8	right	right	ADJ
fsr-3486	129	9	investments	investment	NOUN
fsr-3486	129	10	for	for	ADP
fsr-3486	129	11	their	their	PRON
fsr-3486	129	12	given	give	VERB
fsr-3486	129	13	level	level	NOUN
fsr-3486	129	14	of	of	ADP
fsr-3486	129	15	risk	risk	NOUN
fsr-3486	129	16	,	,	PUNCT
fsr-3486	129	17	avoid	avoid	VERB
fsr-3486	129	18	frequent	frequent	ADJ
fsr-3486	129	19	trades	trade	NOUN
fsr-3486	129	20	,	,	PUNCT
fsr-3486	129	21	and	and	CCONJ
fsr-3486	129	22	avoid	avoid	VERB
fsr-3486	129	23	behavioral	behavioral	ADJ
fsr-3486	129	24	mistakes	mistake	NOUN
fsr-3486	129	25	such	such	ADJ
fsr-3486	129	26	as	as	ADP
fsr-3486	129	27	the	the	DET
fsr-3486	129	28	disposition	disposition	NOUN
fsr-3486	129	29	effect	effect	NOUN
fsr-3486	129	30	(	(	PUNCT
fsr-3486	129	31	collins	collin	NOUN
fsr-3486	129	32	,	,	PUNCT
fsr-3486	129	33	2012	2012	NUM
fsr-3486	129	34	)	)	PUNCT
fsr-3486	129	35	.	.	PUNCT
fsr-3486	130	1	financial	financial	ADJ
fsr-3486	130	2	planners	planner	NOUN
fsr-3486	130	3	can	can	AUX
fsr-3486	130	4	provide	provide	VERB
fsr-3486	130	5	expertise	expertise	NOUN
fsr-3486	130	6	to	to	PART
fsr-3486	130	7	help	help	VERB
fsr-3486	130	8	individuals	individual	NOUN
fsr-3486	130	9	make	make	VERB
fsr-3486	130	10	better	well	ADJ
fsr-3486	130	11	choices	choice	NOUN
fsr-3486	130	12	(	(	PUNCT
fsr-3486	130	13	hackethal	hackethal	VERB
fsr-3486	130	14	et	et	PROPN
fsr-3486	130	15	al	al	PROPN
fsr-3486	130	16	.	.	PROPN
fsr-3486	130	17	,	,	PUNCT
fsr-3486	130	18	2012	2012	NUM
fsr-3486	130	19	)	)	PUNCT
fsr-3486	130	20	,	,	PUNCT
fsr-3486	130	21	but	but	CCONJ
fsr-3486	130	22	few	few	ADJ
fsr-3486	130	23	individuals	individual	NOUN
fsr-3486	130	24	actually	actually	ADV
fsr-3486	130	25	use	use	VERB
fsr-3486	130	26	a	a	DET
fsr-3486	130	27	planner	planner	NOUN
fsr-3486	130	28	(	(	PUNCT
fsr-3486	130	29	hanna	hanna	NOUN
fsr-3486	130	30	,	,	PUNCT
fsr-3486	130	31	2011	2011	NUM
fsr-3486	130	32	)	)	PUNCT
fsr-3486	130	33	when	when	SCONJ
fsr-3486	130	34	they	they	PRON
fsr-3486	130	35	need	need	VERB
fsr-3486	130	36	one	one	NUM
fsr-3486	130	37	.	.	PUNCT
fsr-3486	131	1	although	although	SCONJ
fsr-3486	131	2	individuals	individual	NOUN
fsr-3486	131	3	can	can	AUX
fsr-3486	131	4	make	make	VERB
fsr-3486	131	5	these	these	DET
fsr-3486	131	6	decisions	decision	NOUN
fsr-3486	131	7	through	through	ADP
fsr-3486	131	8	great	great	ADJ
fsr-3486	131	9	mental	mental	ADJ
fsr-3486	131	10	effort	effort	NOUN
fsr-3486	131	11	,	,	PUNCT
fsr-3486	131	12	it	it	PRON
fsr-3486	131	13	would	would	AUX
fsr-3486	131	14	be	be	AUX
fsr-3486	131	15	better	well	ADV
fsr-3486	131	16	left	leave	VERB
fsr-3486	131	17	to	to	ADP
fsr-3486	131	18	a	a	DET
fsr-3486	131	19	professional	professional	NOUN
fsr-3486	131	20	.	.	PUNCT
fsr-3486	132	1	we	we	PRON
fsr-3486	132	2	analyze	analyze	VERB
fsr-3486	132	3	data	datum	NOUN
fsr-3486	132	4	from	from	ADP
fsr-3486	132	5	the	the	DET
fsr-3486	132	6	2012	2012	NUM
fsr-3486	132	7	and	and	CCONJ
fsr-3486	132	8	2014	2014	NUM
fsr-3486	132	9	waves	wave	NOUN
fsr-3486	132	10	of	of	ADP
fsr-3486	132	11	the	the	DET
fsr-3486	132	12	nlsy79	nlsy79	NOUN
fsr-3486	132	13	to	to	PART
fsr-3486	132	14	examine	examine	VERB
fsr-3486	132	15	the	the	DET
fsr-3486	132	16	relationship	relationship	NOUN
fsr-3486	132	17	between	between	ADP
fsr-3486	132	18	financial	financial	ADJ
fsr-3486	132	19	literacy	literacy	NOUN
fsr-3486	132	20	and	and	CCONJ
fsr-3486	132	21	levels	level	NOUN
fsr-3486	132	22	of	of	ADP
fsr-3486	132	23	financial	financial	ADJ
fsr-3486	132	24	planning	planning	NOUN
fsr-3486	132	25	.	.	PUNCT
fsr-3486	133	1	we	we	PRON
fsr-3486	133	2	found	find	VERB
fsr-3486	133	3	support	support	NOUN
fsr-3486	133	4	for	for	ADP
fsr-3486	133	5	the	the	DET
fsr-3486	133	6	hypothesis	hypothesis	NOUN
fsr-3486	133	7	that	that	PRON
fsr-3486	133	8	increased	increase	VERB
fsr-3486	133	9	financial	financial	ADJ
fsr-3486	133	10	literacy	literacy	NOUN
fsr-3486	133	11	is	be	AUX
fsr-3486	133	12	positively	positively	ADV
fsr-3486	133	13	associated	associate	VERB
fsr-3486	133	14	with	with	ADP
fsr-3486	133	15	higher	high	ADJ
fsr-3486	133	16	levels	level	NOUN
fsr-3486	133	17	of	of	ADP
fsr-3486	133	18	financial	financial	ADJ
fsr-3486	133	19	planning	planning	NOUN
fsr-3486	133	20	.	.	PUNCT
fsr-3486	134	1	5	5	X
fsr-3486	134	2	.	.	X
fsr-3486	134	3	data	datum	NOUN
fsr-3486	134	4	,	,	PUNCT
fsr-3486	134	5	hypotheses	hypothesis	NOUN
fsr-3486	134	6	,	,	PUNCT
fsr-3486	134	7	and	and	CCONJ
fsr-3486	134	8	methods	method	NOUN
fsr-3486	134	9	5.1	5.1	NUM
fsr-3486	134	10	.	.	PUNCT
fsr-3486	135	1	data	datum	NOUN
fsr-3486	135	2	this	this	DET
fsr-3486	135	3	article	article	NOUN
fsr-3486	135	4	uses	use	VERB
fsr-3486	135	5	the	the	DET
fsr-3486	135	6	2012	2012	NUM
fsr-3486	135	7	and	and	CCONJ
fsr-3486	135	8	2014	2014	NUM
fsr-3486	135	9	waves	wave	NOUN
fsr-3486	135	10	of	of	ADP
fsr-3486	135	11	the	the	DET
fsr-3486	135	12	nlsy79	nlsy79	NOUN
fsr-3486	135	13	.	.	PUNCT
fsr-3486	136	1	this	this	PRON
fsr-3486	136	2	is	be	AUX
fsr-3486	136	3	a	a	DET
fsr-3486	136	4	nationally	nationally	ADV
fsr-3486	136	5	representative	representative	ADJ
fsr-3486	136	6	longitudinal	longitudinal	ADJ
fsr-3486	136	7	study	study	NOUN
fsr-3486	136	8	of	of	ADP
fsr-3486	136	9	americans	americans	PROPN
fsr-3486	136	10	ranging	range	VERB
fsr-3486	136	11	from	from	ADP
fsr-3486	136	12	age	age	NOUN
fsr-3486	136	13	14	14	NUM
fsr-3486	136	14	to	to	PART
fsr-3486	136	15	age	age	NOUN
fsr-3486	136	16	22	22	NUM
fsr-3486	136	17	at	at	ADP
fsr-3486	136	18	date	date	NOUN
fsr-3486	136	19	of	of	ADP
fsr-3486	136	20	first	first	ADJ
fsr-3486	136	21	interview	interview	NOUN
fsr-3486	136	22	in	in	ADP
fsr-3486	136	23	1979	1979	NUM
fsr-3486	136	24	.	.	PUNCT
fsr-3486	137	1	the	the	DET
fsr-3486	137	2	united	united	PROPN
fsr-3486	137	3	states	states	PROPN
fsr-3486	137	4	bureau	bureau	PROPN
fsr-3486	137	5	of	of	ADP
fsr-3486	137	6	labor	labor	PROPN
fsr-3486	137	7	statistics	statistic	NOUN
fsr-3486	137	8	sponsors	sponsor	VERB
fsr-3486	137	9	the	the	DET
fsr-3486	137	10	survey	survey	NOUN
fsr-3486	137	11	and	and	CCONJ
fsr-3486	137	12	the	the	DET
fsr-3486	137	13	interviews	interview	NOUN
fsr-3486	137	14	are	be	AUX
fsr-3486	137	15	collected	collect	VERB
fsr-3486	137	16	by	by	ADP
fsr-3486	137	17	the	the	DET
fsr-3486	137	18	ohio	ohio	PROPN
fsr-3486	137	19	state	state	PROPN
fsr-3486	137	20	university	university	PROPN
fsr-3486	137	21	.	.	PUNCT
fsr-3486	138	1	the	the	DET
fsr-3486	138	2	full	full	ADJ
fsr-3486	138	3	survey	survey	NOUN
fsr-3486	138	4	contains	contain	VERB
fsr-3486	138	5	12,868	12,868	NUM
fsr-3486	138	6	respondents	respondent	NOUN
fsr-3486	138	7	and	and	CCONJ
fsr-3486	138	8	our	our	PRON
fsr-3486	138	9	final	final	ADJ
fsr-3486	138	10	sample	sample	NOUN
fsr-3486	138	11	contains	contain	VERB
fsr-3486	138	12	9,432	9,432	NUM
fsr-3486	138	13	observations	observation	NOUN
fsr-3486	138	14	.	.	PUNCT
fsr-3486	139	1	the	the	DET
fsr-3486	139	2	study	study	NOUN
fsr-3486	139	3	contains	contain	VERB
fsr-3486	139	4	questions	question	NOUN
fsr-3486	139	5	related	relate	VERB
fsr-3486	139	6	to	to	ADP
fsr-3486	139	7	the	the	DET
fsr-3486	139	8	level	level	NOUN
fsr-3486	139	9	of	of	ADP
fsr-3486	139	10	financial	financial	ADJ
fsr-3486	139	11	planning	planning	NOUN
fsr-3486	139	12	individuals	individual	NOUN
fsr-3486	139	13	use	use	VERB
fsr-3486	139	14	,	,	PUNCT
fsr-3486	139	15	making	make	VERB
fsr-3486	139	16	it	it	PRON
fsr-3486	139	17	an	an	DET
fsr-3486	139	18	excellent	excellent	ADJ
fsr-3486	139	19	choice	choice	NOUN
fsr-3486	139	20	for	for	ADP
fsr-3486	139	21	analysis	analysis	NOUN
fsr-3486	139	22	.	.	PUNCT
fsr-3486	140	1	it	it	PRON
fsr-3486	140	2	explicitly	explicitly	ADV
fsr-3486	140	3	asks	ask	VERB
fsr-3486	140	4	if	if	SCONJ
fsr-3486	140	5	210	210	NUM
fsr-3486	140	6	l.	l.	PROPN
fsr-3486	140	7	a.	a.	PROPN
fsr-3486	140	8	v.	v.	PROPN
fsr-3486	140	9	augustin	augustin	PROPN
fsr-3486	140	10	and	and	CCONJ
fsr-3486	140	11	t.	t.	PROPN
fsr-3486	140	12	k.	k.	PROPN
fsr-3486	140	13	martin	martin	PROPN
fsr-3486	140	14	/	/	SYM
fsr-3486	140	15	financial	financial	ADJ
fsr-3486	140	16	services	service	NOUN
fsr-3486	140	17	review	review	VERB
fsr-3486	140	18	30	30	NUM
fsr-3486	140	19	(	(	PUNCT
fsr-3486	140	20	2022	2022	NUM
fsr-3486	140	21	)	)	PUNCT
fsr-3486	140	22	205–222	205–222	NUM
fsr-3486	140	23	individuals	individual	NOUN
fsr-3486	140	24	have	have	AUX
fsr-3486	140	25	calculated	calculate	VERB
fsr-3486	140	26	their	their	PRON
fsr-3486	140	27	retirement	retirement	NOUN
fsr-3486	140	28	needs	need	NOUN
fsr-3486	140	29	,	,	PUNCT
fsr-3486	140	30	along	along	ADP
fsr-3486	140	31	with	with	ADP
fsr-3486	140	32	asking	ask	VERB
fsr-3486	140	33	if	if	SCONJ
fsr-3486	140	34	they	they	PRON
fsr-3486	140	35	have	have	AUX
fsr-3486	140	36	sought	seek	VERB
fsr-3486	140	37	any	any	DET
fsr-3486	140	38	type	type	NOUN
fsr-3486	140	39	of	of	ADP
fsr-3486	140	40	financial	financial	ADJ
fsr-3486	140	41	planning	planning	NOUN
fsr-3486	140	42	advice	advice	NOUN
fsr-3486	140	43	.	.	PUNCT
fsr-3486	141	1	the	the	DET
fsr-3486	141	2	study	study	NOUN
fsr-3486	141	3	also	also	ADV
fsr-3486	141	4	contains	contain	VERB
fsr-3486	141	5	questions	question	NOUN
fsr-3486	141	6	about	about	ADP
fsr-3486	141	7	the	the	DET
fsr-3486	141	8	relevant	relevant	ADJ
fsr-3486	141	9	independent	independent	ADJ
fsr-3486	141	10	variables	variable	NOUN
fsr-3486	141	11	such	such	ADJ
fsr-3486	141	12	as	as	ADP
fsr-3486	141	13	income	income	NOUN
fsr-3486	141	14	and	and	CCONJ
fsr-3486	141	15	age	age	NOUN
fsr-3486	141	16	,	,	PUNCT
fsr-3486	141	17	which	which	PRON
fsr-3486	141	18	we	we	PRON
fsr-3486	141	19	include	include	VERB
fsr-3486	141	20	in	in	ADP
fsr-3486	141	21	our	our	PRON
fsr-3486	141	22	analysis	analysis	NOUN
fsr-3486	141	23	.	.	PUNCT
fsr-3486	142	1	5.2	5.2	NUM
fsr-3486	142	2	.	.	PUNCT
fsr-3486	142	3	sample	sample	VERB
fsr-3486	142	4	the	the	DET
fsr-3486	142	5	sample	sample	NOUN
fsr-3486	142	6	used	use	VERB
fsr-3486	142	7	in	in	ADP
fsr-3486	142	8	this	this	DET
fsr-3486	142	9	article	article	NOUN
fsr-3486	142	10	contains	contain	VERB
fsr-3486	142	11	9,432	9,432	NUM
fsr-3486	142	12	respondents	respondent	NOUN
fsr-3486	142	13	after	after	SCONJ
fsr-3486	142	14	we	we	PRON
fsr-3486	142	15	censor	censor	VERB
fsr-3486	142	16	the	the	DET
fsr-3486	142	17	data	datum	NOUN
fsr-3486	142	18	.	.	PUNCT
fsr-3486	143	1	we	we	PRON
fsr-3486	143	2	initialize	initialize	VERB
fsr-3486	143	3	the	the	DET
fsr-3486	143	4	sample	sample	NOUN
fsr-3486	143	5	by	by	ADP
fsr-3486	143	6	removing	remove	VERB
fsr-3486	143	7	any	any	DET
fsr-3486	143	8	observations	observation	NOUN
fsr-3486	143	9	who	who	PRON
fsr-3486	143	10	did	do	AUX
fsr-3486	143	11	not	not	PART
fsr-3486	143	12	provide	provide	VERB
fsr-3486	143	13	a	a	DET
fsr-3486	143	14	response	response	NOUN
fsr-3486	143	15	to	to	ADP
fsr-3486	143	16	the	the	DET
fsr-3486	143	17	following	follow	VERB
fsr-3486	143	18	two	two	NUM
fsr-3486	143	19	questions	question	NOUN
fsr-3486	143	20	:	:	PUNCT
fsr-3486	143	21	1	1	X
fsr-3486	143	22	.	.	X
fsr-3486	143	23	have	have	VERB
fsr-3486	143	24	you	you	PRON
fsr-3486	143	25	[	[	X
fsr-3486	143	26	or	or	CCONJ
fsr-3486	143	27	]	]	PUNCT
fsr-3486	143	28	[	[	X
fsr-3486	143	29	spouse	spouse	NOUN
fsr-3486	143	30	/	/	SYM
fsr-3486	143	31	partner	partner	NOUN
fsr-3486	143	32	’s	’s	PART
fsr-3486	143	33	name	name	NOUN
fsr-3486	143	34	]	]	PUNCT
fsr-3486	143	35	:	:	PUNCT
fsr-3486	143	36	“	"	PUNCT
fsr-3486	143	37	.	.	PUNCT
fsr-3486	143	38	.	.	PUNCT
fsr-3486	143	39	.	.	PUNCT
fsr-3486	144	1	ever	ever	ADV
fsr-3486	144	2	calculated	calculate	VERB
fsr-3486	144	3	how	how	SCONJ
fsr-3486	144	4	much	much	ADJ
fsr-3486	144	5	retirement	retirement	NOUN
fsr-3486	144	6	income	income	NOUN
fsr-3486	144	7	you	you	PRON
fsr-3486	144	8	would	would	AUX
fsr-3486	144	9	need	need	VERB
fsr-3486	144	10	at	at	ADP
fsr-3486	144	11	retirement	retirement	NOUN
fsr-3486	144	12	?	?	PUNCT
fsr-3486	144	13	”	"	PUNCT
fsr-3486	145	1	2	2	NUM
fsr-3486	145	2	.	.	X
fsr-3486	145	3	have	have	VERB
fsr-3486	145	4	you	you	PRON
fsr-3486	145	5	[	[	X
fsr-3486	145	6	or	or	CCONJ
fsr-3486	145	7	]	]	PUNCT
fsr-3486	145	8	[	[	X
fsr-3486	145	9	spouse	spouse	NOUN
fsr-3486	145	10	/	/	SYM
fsr-3486	145	11	partner	partner	NOUN
fsr-3486	145	12	’s	’s	PART
fsr-3486	145	13	name	name	NOUN
fsr-3486	145	14	]	]	PUNCT
fsr-3486	145	15	:	:	PUNCT
fsr-3486	145	16	“	"	PUNCT
fsr-3486	145	17	.	.	PUNCT
fsr-3486	145	18	.	.	PUNCT
fsr-3486	145	19	.	.	PUNCT
fsr-3486	146	1	consulted	consult	VERB
fsr-3486	146	2	a	a	DET
fsr-3486	146	3	financial	financial	ADJ
fsr-3486	146	4	planner	planner	NOUN
fsr-3486	146	5	about	about	ADP
fsr-3486	146	6	how	how	SCONJ
fsr-3486	146	7	to	to	PART
fsr-3486	146	8	plan	plan	VERB
fsr-3486	146	9	your	your	PRON
fsr-3486	146	10	finances	finance	NOUN
fsr-3486	146	11	after	after	ADP
fsr-3486	146	12	retirement	retirement	NOUN
fsr-3486	146	13	?	?	PUNCT
fsr-3486	146	14	”	"	PUNCT
fsr-3486	146	15	we	we	PRON
fsr-3486	146	16	further	far	ADV
fsr-3486	146	17	censor	censor	VERB
fsr-3486	146	18	the	the	DET
fsr-3486	146	19	sample	sample	NOUN
fsr-3486	146	20	by	by	ADP
fsr-3486	146	21	removing	remove	VERB
fsr-3486	146	22	nonresponses	nonresponse	NOUN
fsr-3486	146	23	to	to	ADP
fsr-3486	146	24	the	the	DET
fsr-3486	146	25	independent	independent	ADJ
fsr-3486	146	26	variable	variable	NOUN
fsr-3486	146	27	of	of	ADP
fsr-3486	146	28	interest	interest	NOUN
fsr-3486	146	29	,	,	PUNCT
fsr-3486	146	30	financial	financial	ADJ
fsr-3486	146	31	literacy	literacy	NOUN
fsr-3486	146	32	.	.	PUNCT
fsr-3486	147	1	the	the	DET
fsr-3486	147	2	three	three	NUM
fsr-3486	147	3	questions	question	NOUN
fsr-3486	147	4	used	use	VERB
fsr-3486	147	5	are	be	AUX
fsr-3486	147	6	as	as	SCONJ
fsr-3486	147	7	follows	follow	VERB
fsr-3486	147	8	:	:	PUNCT
fsr-3486	147	9	1	1	X
fsr-3486	147	10	.	.	X
fsr-3486	147	11	suppose	suppose	VERB
fsr-3486	147	12	you	you	PRON
fsr-3486	147	13	had	have	VERB
fsr-3486	147	14	$	$	SYM
fsr-3486	147	15	100	100	NUM
fsr-3486	147	16	in	in	ADP
fsr-3486	147	17	a	a	DET
fsr-3486	147	18	savings	saving	NOUN
fsr-3486	147	19	account	account	NOUN
fsr-3486	147	20	and	and	CCONJ
fsr-3486	147	21	the	the	DET
fsr-3486	147	22	interest	interest	NOUN
fsr-3486	147	23	rate	rate	NOUN
fsr-3486	147	24	was	be	AUX
fsr-3486	147	25	2	2	NUM
fsr-3486	147	26	%	%	NOUN
fsr-3486	147	27	per	per	ADP
fsr-3486	147	28	year	year	NOUN
fsr-3486	147	29	.	.	PUNCT
fsr-3486	148	1	after	after	ADP
fsr-3486	148	2	5	5	NUM
fsr-3486	148	3	years	year	NOUN
fsr-3486	148	4	,	,	PUNCT
fsr-3486	148	5	how	how	SCONJ
fsr-3486	148	6	much	much	ADJ
fsr-3486	148	7	do	do	AUX
fsr-3486	148	8	you	you	PRON
fsr-3486	148	9	think	think	VERB
fsr-3486	148	10	you	you	PRON
fsr-3486	148	11	would	would	AUX
fsr-3486	148	12	have	have	VERB
fsr-3486	148	13	in	in	ADP
fsr-3486	148	14	the	the	DET
fsr-3486	148	15	account	account	NOUN
fsr-3486	148	16	if	if	SCONJ
fsr-3486	148	17	you	you	PRON
fsr-3486	148	18	left	leave	VERB
fsr-3486	148	19	the	the	DET
fsr-3486	148	20	money	money	NOUN
fsr-3486	148	21	to	to	PART
fsr-3486	148	22	grow	grow	VERB
fsr-3486	148	23	:	:	PUNCT
fsr-3486	148	24	more	more	ADJ
fsr-3486	148	25	than	than	ADP
fsr-3486	148	26	$	$	SYM
fsr-3486	148	27	102	102	NUM
fsr-3486	148	28	,	,	PUNCT
fsr-3486	148	29	exactly	exactly	ADV
fsr-3486	148	30	$	$	SYM
fsr-3486	148	31	102	102	NUM
fsr-3486	148	32	,	,	PUNCT
fsr-3486	148	33	less	less	ADJ
fsr-3486	148	34	than	than	ADP
fsr-3486	148	35	$	$	SYM
fsr-3486	148	36	102	102	NUM
fsr-3486	148	37	?	?	SYM
fsr-3486	149	1	2	2	X
fsr-3486	149	2	.	.	X
fsr-3486	149	3	imagine	imagine	VERB
fsr-3486	149	4	that	that	SCONJ
fsr-3486	149	5	the	the	DET
fsr-3486	149	6	interest	interest	NOUN
fsr-3486	149	7	rate	rate	NOUN
fsr-3486	149	8	on	on	ADP
fsr-3486	149	9	your	your	PRON
fsr-3486	149	10	savings	saving	NOUN
fsr-3486	149	11	account	account	NOUN
fsr-3486	149	12	was	be	AUX
fsr-3486	149	13	1	1	NUM
fsr-3486	149	14	%	%	NOUN
fsr-3486	149	15	per	per	ADP
fsr-3486	149	16	year	year	NOUN
fsr-3486	149	17	and	and	CCONJ
fsr-3486	149	18	inflation	inflation	NOUN
fsr-3486	149	19	was	be	AUX
fsr-3486	149	20	2	2	NUM
fsr-3486	149	21	%	%	NOUN
fsr-3486	149	22	per	per	ADP
fsr-3486	149	23	year	year	NOUN
fsr-3486	149	24	.	.	PUNCT
fsr-3486	150	1	after	after	ADP
fsr-3486	150	2	1	1	NUM
fsr-3486	150	3	year	year	NOUN
fsr-3486	150	4	,	,	PUNCT
fsr-3486	150	5	would	would	AUX
fsr-3486	150	6	you	you	PRON
fsr-3486	150	7	be	be	AUX
fsr-3486	150	8	able	able	ADJ
fsr-3486	150	9	to	to	PART
fsr-3486	150	10	buy	buy	VERB
fsr-3486	150	11	more	more	ADJ
fsr-3486	150	12	than	than	ADP
fsr-3486	150	13	,	,	PUNCT
fsr-3486	150	14	exactly	exactly	ADV
fsr-3486	150	15	the	the	DET
fsr-3486	150	16	same	same	ADJ
fsr-3486	150	17	as	as	ADP
fsr-3486	150	18	,	,	PUNCT
fsr-3486	150	19	or	or	CCONJ
fsr-3486	150	20	less	less	ADJ
fsr-3486	150	21	than	than	ADP
fsr-3486	150	22	today	today	NOUN
fsr-3486	150	23	with	with	ADP
fsr-3486	150	24	the	the	DET
fsr-3486	150	25	money	money	NOUN
fsr-3486	150	26	in	in	ADP
fsr-3486	150	27	this	this	DET
fsr-3486	150	28	account	account	NOUN
fsr-3486	150	29	?	?	PUNCT
fsr-3486	151	1	3	3	X
fsr-3486	151	2	.	.	X
fsr-3486	151	3	do	do	AUX
fsr-3486	151	4	you	you	PRON
fsr-3486	151	5	think	think	VERB
fsr-3486	151	6	that	that	SCONJ
fsr-3486	151	7	the	the	DET
fsr-3486	151	8	following	follow	VERB
fsr-3486	151	9	statement	statement	NOUN
fsr-3486	151	10	is	be	AUX
fsr-3486	151	11	true	true	ADJ
fsr-3486	151	12	or	or	CCONJ
fsr-3486	151	13	false	false	ADJ
fsr-3486	151	14	?	?	PUNCT
fsr-3486	152	1	“	"	PUNCT
fsr-3486	152	2	buying	buy	VERB
fsr-3486	152	3	a	a	DET
fsr-3486	152	4	single	single	ADJ
fsr-3486	152	5	company	company	NOUN
fsr-3486	152	6	stock	stock	NOUN
fsr-3486	152	7	usually	usually	ADV
fsr-3486	152	8	provides	provide	VERB
fsr-3486	152	9	a	a	DET
fsr-3486	152	10	safer	safe	ADJ
fsr-3486	152	11	return	return	NOUN
fsr-3486	152	12	than	than	ADP
fsr-3486	152	13	a	a	DET
fsr-3486	152	14	stock	stock	NOUN
fsr-3486	152	15	mutual	mutual	ADJ
fsr-3486	152	16	fund	fund	NOUN
fsr-3486	152	17	.	.	PUNCT
fsr-3486	152	18	”	"	PUNCT
fsr-3486	153	1	we	we	PRON
fsr-3486	153	2	finalize	finalize	VERB
fsr-3486	153	3	the	the	DET
fsr-3486	153	4	sample	sample	NOUN
fsr-3486	153	5	by	by	ADP
fsr-3486	153	6	removing	remove	VERB
fsr-3486	153	7	nonresponses	nonresponse	NOUN
fsr-3486	153	8	to	to	ADP
fsr-3486	153	9	other	other	ADJ
fsr-3486	153	10	independent	independent	ADJ
fsr-3486	153	11	variables	variable	NOUN
fsr-3486	153	12	,	,	PUNCT
fsr-3486	153	13	arriving	arrive	VERB
fsr-3486	153	14	at	at	ADP
fsr-3486	153	15	the	the	DET
fsr-3486	153	16	final	final	ADJ
fsr-3486	153	17	sample	sample	NOUN
fsr-3486	153	18	size	size	NOUN
fsr-3486	153	19	of	of	ADP
fsr-3486	153	20	9,432	9,432	NUM
fsr-3486	153	21	observations	observation	NOUN
fsr-3486	153	22	.	.	PUNCT
fsr-3486	154	1	6	6	X
fsr-3486	154	2	.	.	X
fsr-3486	154	3	hypothesis	hypothesis	NOUN
fsr-3486	154	4	hypothesis	hypothesis	NOUN
fsr-3486	154	5	1	1	NUM
fsr-3486	154	6	:	:	PUNCT
fsr-3486	154	7	financial	financial	ADJ
fsr-3486	154	8	literacy	literacy	NOUN
fsr-3486	154	9	is	be	AUX
fsr-3486	154	10	not	not	PART
fsr-3486	154	11	related	relate	VERB
fsr-3486	154	12	to	to	ADP
fsr-3486	154	13	the	the	DET
fsr-3486	154	14	level	level	NOUN
fsr-3486	154	15	of	of	ADP
fsr-3486	154	16	financial	financial	ADJ
fsr-3486	154	17	planning	planning	NOUN
fsr-3486	154	18	individuals	individual	NOUN
fsr-3486	154	19	choose	choose	VERB
fsr-3486	154	20	.	.	PUNCT
fsr-3486	155	1	hypothesis	hypothesis	NOUN
fsr-3486	155	2	1a	1a	NOUN
fsr-3486	155	3	:	:	PUNCT
fsr-3486	155	4	financial	financial	ADJ
fsr-3486	155	5	literacy	literacy	NOUN
fsr-3486	155	6	is	be	AUX
fsr-3486	155	7	related	relate	VERB
fsr-3486	155	8	to	to	ADP
fsr-3486	155	9	the	the	DET
fsr-3486	155	10	level	level	NOUN
fsr-3486	155	11	of	of	ADP
fsr-3486	155	12	financial	financial	ADJ
fsr-3486	155	13	planning	planning	NOUN
fsr-3486	155	14	individuals	individual	NOUN
fsr-3486	155	15	choose	choose	VERB
fsr-3486	155	16	.	.	PUNCT
fsr-3486	156	1	we	we	PRON
fsr-3486	156	2	expect	expect	VERB
fsr-3486	156	3	to	to	PART
fsr-3486	156	4	find	find	VERB
fsr-3486	156	5	a	a	DET
fsr-3486	156	6	positive	positive	ADJ
fsr-3486	156	7	relationship	relationship	NOUN
fsr-3486	156	8	between	between	ADP
fsr-3486	156	9	financial	financial	ADJ
fsr-3486	156	10	literacy	literacy	NOUN
fsr-3486	156	11	and	and	CCONJ
fsr-3486	156	12	comprehensive	comprehensive	ADJ
fsr-3486	156	13	financial	financial	ADJ
fsr-3486	156	14	planning	planning	NOUN
fsr-3486	156	15	.	.	PUNCT
fsr-3486	157	1	theory	theory	NOUN
fsr-3486	157	2	indicates	indicate	VERB
fsr-3486	157	3	that	that	SCONJ
fsr-3486	157	4	individuals	individual	NOUN
fsr-3486	157	5	would	would	AUX
fsr-3486	157	6	invest	invest	VERB
fsr-3486	157	7	in	in	ADP
fsr-3486	157	8	financial	financial	ADJ
fsr-3486	157	9	literacy	literacy	NOUN
fsr-3486	157	10	if	if	SCONJ
fsr-3486	157	11	the	the	DET
fsr-3486	157	12	benefits	benefit	NOUN
fsr-3486	157	13	outweigh	outweigh	VERB
fsr-3486	157	14	the	the	DET
fsr-3486	157	15	costs	cost	NOUN
fsr-3486	157	16	.	.	PUNCT
fsr-3486	158	1	this	this	PRON
fsr-3486	158	2	could	could	AUX
fsr-3486	158	3	mean	mean	VERB
fsr-3486	158	4	increasing	increase	VERB
fsr-3486	158	5	their	their	PRON
fsr-3486	158	6	own	own	ADJ
fsr-3486	158	7	financial	financial	ADJ
fsr-3486	158	8	literacy	literacy	NOUN
fsr-3486	158	9	or	or	CCONJ
fsr-3486	158	10	using	use	VERB
fsr-3486	158	11	the	the	DET
fsr-3486	158	12	financial	financial	ADJ
fsr-3486	158	13	literacy	literacy	NOUN
fsr-3486	158	14	of	of	ADP
fsr-3486	158	15	a	a	DET
fsr-3486	158	16	professional	professional	NOUN
fsr-3486	158	17	as	as	ADP
fsr-3486	158	18	a	a	DET
fsr-3486	158	19	proxy	proxy	NOUN
fsr-3486	158	20	.	.	PUNCT
fsr-3486	159	1	prior	prior	ADJ
fsr-3486	159	2	literature	literature	NOUN
fsr-3486	159	3	indicates	indicate	VERB
fsr-3486	159	4	the	the	DET
fsr-3486	159	5	more	more	ADV
fsr-3486	159	6	financially	financially	ADV
fsr-3486	159	7	literate	literate	ADJ
fsr-3486	159	8	tend	tend	VERB
fsr-3486	159	9	to	to	PART
fsr-3486	159	10	be	be	AUX
fsr-3486	159	11	more	more	ADV
fsr-3486	159	12	educated	educated	ADJ
fsr-3486	159	13	,	,	PUNCT
fsr-3486	159	14	wealthier	wealthy	ADJ
fsr-3486	159	15	,	,	PUNCT
fsr-3486	159	16	and	and	CCONJ
fsr-3486	159	17	use	use	VERB
fsr-3486	159	18	financial	financial	ADJ
fsr-3486	159	19	planning	planning	NOUN
fsr-3486	159	20	at	at	ADP
fsr-3486	159	21	more	more	ADJ
fsr-3486	159	22	comprehensive	comprehensive	ADJ
fsr-3486	159	23	levels	level	NOUN
fsr-3486	159	24	.	.	PUNCT
fsr-3486	160	1	7	7	X
fsr-3486	160	2	.	.	X
fsr-3486	160	3	method	method	NOUN
fsr-3486	160	4	to	to	PART
fsr-3486	160	5	test	test	VERB
fsr-3486	160	6	the	the	DET
fsr-3486	160	7	question	question	NOUN
fsr-3486	160	8	,	,	PUNCT
fsr-3486	160	9	we	we	PRON
fsr-3486	160	10	use	use	VERB
fsr-3486	160	11	the	the	DET
fsr-3486	160	12	following	following	ADJ
fsr-3486	160	13	conceptual	conceptual	ADJ
fsr-3486	160	14	model	model	NOUN
fsr-3486	160	15	:	:	PUNCT
fsr-3486	160	16	l.	l.	PROPN
fsr-3486	160	17	a.	a.	PROPN
fsr-3486	160	18	v.	v.	PROPN
fsr-3486	160	19	augustin	augustin	PROPN
fsr-3486	160	20	and	and	CCONJ
fsr-3486	160	21	t.	t.	PROPN
fsr-3486	160	22	k.	k.	PROPN
fsr-3486	160	23	martin	martin	PROPN
fsr-3486	160	24	/	/	SYM
fsr-3486	160	25	financial	financial	ADJ
fsr-3486	160	26	services	service	NOUN
fsr-3486	160	27	review	review	VERB
fsr-3486	160	28	30	30	NUM
fsr-3486	160	29	(	(	PUNCT
fsr-3486	160	30	2022	2022	NUM
fsr-3486	160	31	)	)	PUNCT
fsr-3486	160	32	205–222	205–222	NUM
fsr-3486	160	33	211	211	NUM
fsr-3486	160	34	level	level	NOUN
fsr-3486	160	35	of	of	ADP
fsr-3486	160	36	financial	financial	ADJ
fsr-3486	160	37	planning	planning	NOUN
fsr-3486	160	38	¼	¼	NOUN
fsr-3486	160	39	f	f	PROPN
fsr-3486	160	40	financial	financial	PROPN
fsr-3486	160	41	�	�	PROPN
fsr-3486	160	42	literacy	literacy	NOUN
fsr-3486	160	43	,	,	PUNCT
fsr-3486	160	44	demographics	demographic	NOUN
fsr-3486	160	45	�	�	PROPN
fsr-3486	160	46	�	�	PROPN
fsr-3486	160	47	we	we	PRON
fsr-3486	160	48	use	use	VERB
fsr-3486	160	49	the	the	DET
fsr-3486	160	50	multinomial	multinomial	ADJ
fsr-3486	160	51	probit	probit	NOUN
fsr-3486	160	52	model	model	NOUN
fsr-3486	160	53	as	as	SCONJ
fsr-3486	160	54	follows	follow	VERB
fsr-3486	160	55	:	:	PUNCT
fsr-3486	160	56	y	y	PROPN
fsr-3486	160	57	�	�	PROPN
fsr-3486	160	58	ij	ij	NOUN
fsr-3486	160	59	¼	¼	NOUN
fsr-3486	160	60	b	b	PROPN
fsr-3486	161	1	jx	jx	PROPN
fsr-3486	161	2	0	0	PUNCT
fsr-3486	162	1	i	i	PRON
fsr-3486	162	2	þ	þ	NOUN
fsr-3486	162	3	«	«	PUNCT
fsr-3486	162	4	ij	ij	PROPN
fsr-3486	162	5	�	�	PROPN
fsr-3486	162	6	�	�	PROPN
fsr-3486	162	7	here	here	ADV
fsr-3486	162	8	y	y	PROPN
fsr-3486	162	9	�	�	PROPN
fsr-3486	162	10	ij	ij	NOUN
fsr-3486	162	11	represents	represent	VERB
fsr-3486	162	12	the	the	DET
fsr-3486	162	13	probability	probability	NOUN
fsr-3486	162	14	of	of	ADP
fsr-3486	162	15	choosing	choose	VERB
fsr-3486	162	16	one	one	NUM
fsr-3486	162	17	of	of	ADP
fsr-3486	162	18	the	the	DET
fsr-3486	162	19	four	four	NUM
fsr-3486	162	20	levels	level	NOUN
fsr-3486	162	21	of	of	ADP
fsr-3486	162	22	financial	financial	ADJ
fsr-3486	162	23	planning	planning	NOUN
fsr-3486	162	24	(	(	PUNCT
fsr-3486	162	25	lfp	lfp	PROPN
fsr-3486	162	26	)	)	PUNCT
fsr-3486	162	27	,	,	PUNCT
fsr-3486	162	28	x0i	x0i	PROPN
fsr-3486	162	29	represents	represent	VERB
fsr-3486	162	30	a	a	DET
fsr-3486	162	31	vector	vector	NOUN
fsr-3486	162	32	of	of	ADP
fsr-3486	162	33	variables	variable	NOUN
fsr-3486	162	34	including	include	VERB
fsr-3486	162	35	financial	financial	ADJ
fsr-3486	162	36	literacy	literacy	NOUN
fsr-3486	162	37	,	,	PUNCT
fsr-3486	162	38	race	race	NOUN
fsr-3486	162	39	/	/	SYM
fsr-3486	162	40	ethnicity	ethnicity	NOUN
fsr-3486	162	41	,	,	PUNCT
fsr-3486	162	42	gender	gender	NOUN
fsr-3486	162	43	,	,	PUNCT
fsr-3486	162	44	income	income	NOUN
fsr-3486	162	45	,	,	PUNCT
fsr-3486	162	46	net	net	ADJ
fsr-3486	162	47	worth	worth	NOUN
fsr-3486	162	48	,	,	PUNCT
fsr-3486	162	49	education	education	NOUN
fsr-3486	162	50	level	level	NOUN
fsr-3486	162	51	,	,	PUNCT
fsr-3486	162	52	age	age	NOUN
fsr-3486	162	53	,	,	PUNCT
fsr-3486	162	54	and	and	CCONJ
fsr-3486	162	55	marital	marital	ADJ
fsr-3486	162	56	status	status	NOUN
fsr-3486	162	57	,	,	PUNCT
fsr-3486	162	58	and	and	CCONJ
fsr-3486	162	59	«	«	PUNCT
fsr-3486	162	60	ij	ij	NOUN
fsr-3486	162	61	represents	represent	VERB
fsr-3486	162	62	the	the	DET
fsr-3486	162	63	error	error	NOUN
fsr-3486	162	64	term	term	NOUN
fsr-3486	162	65	.	.	PUNCT
fsr-3486	163	1	7.1	7.1	NUM
fsr-3486	163	2	.	.	PUNCT
fsr-3486	164	1	dependent	dependent	ADJ
fsr-3486	164	2	variable	variable	NOUN
fsr-3486	164	3	the	the	DET
fsr-3486	164	4	dependent	dependent	ADJ
fsr-3486	164	5	variable	variable	NOUN
fsr-3486	164	6	is	be	AUX
fsr-3486	164	7	lfp	lfp	PROPN
fsr-3486	164	8	and	and	CCONJ
fsr-3486	164	9	there	there	PRON
fsr-3486	164	10	are	be	VERB
fsr-3486	164	11	four	four	NUM
fsr-3486	164	12	categories	category	NOUN
fsr-3486	164	13	,	,	PUNCT
fsr-3486	164	14	namely	namely	ADV
fsr-3486	164	15	comprehensive	comprehensive	ADJ
fsr-3486	164	16	,	,	PUNCT
fsr-3486	164	17	plan	plan	VERB
fsr-3486	164	18	only	only	ADV
fsr-3486	164	19	,	,	PUNCT
fsr-3486	164	20	retirement	retirement	NOUN
fsr-3486	164	21	only	only	ADV
fsr-3486	164	22	,	,	PUNCT
fsr-3486	164	23	and	and	CCONJ
fsr-3486	164	24	no	no	DET
fsr-3486	164	25	plan	plan	NOUN
fsr-3486	164	26	.	.	PUNCT
fsr-3486	165	1	we	we	PRON
fsr-3486	165	2	create	create	VERB
fsr-3486	165	3	the	the	DET
fsr-3486	165	4	lfp	lfp	NOUN
fsr-3486	165	5	variables	variable	NOUN
fsr-3486	165	6	by	by	ADP
fsr-3486	165	7	combining	combine	VERB
fsr-3486	165	8	two	two	NUM
fsr-3486	165	9	questions	question	NOUN
fsr-3486	165	10	from	from	ADP
fsr-3486	165	11	the	the	DET
fsr-3486	165	12	survey	survey	NOUN
fsr-3486	165	13	(	(	PUNCT
fsr-3486	165	14	see	see	VERB
fsr-3486	165	15	appendix	appendix	NOUN
fsr-3486	165	16	b	b	NOUN
fsr-3486	165	17	)	)	PUNCT
fsr-3486	165	18	.	.	PUNCT
fsr-3486	166	1	one	one	NUM
fsr-3486	166	2	question	question	NOUN
fsr-3486	166	3	asks	ask	VERB
fsr-3486	166	4	if	if	SCONJ
fsr-3486	166	5	the	the	DET
fsr-3486	166	6	respondent	respondent	NOUN
fsr-3486	166	7	consulted	consult	VERB
fsr-3486	166	8	a	a	DET
fsr-3486	166	9	financial	financial	ADJ
fsr-3486	166	10	planner	planner	NOUN
fsr-3486	166	11	and	and	CCONJ
fsr-3486	166	12	they	they	PRON
fsr-3486	166	13	could	could	AUX
fsr-3486	166	14	answer	answer	VERB
fsr-3486	166	15	yes	yes	INTJ
fsr-3486	166	16	or	or	CCONJ
fsr-3486	166	17	no	no	INTJ
fsr-3486	166	18	,	,	PUNCT
fsr-3486	166	19	as	as	ADV
fsr-3486	166	20	well	well	ADV
fsr-3486	166	21	as	as	ADP
fsr-3486	166	22	refuse	refuse	VERB
fsr-3486	166	23	to	to	PART
fsr-3486	166	24	answer	answer	VERB
fsr-3486	166	25	the	the	DET
fsr-3486	166	26	question	question	NOUN
fsr-3486	166	27	.	.	PUNCT
fsr-3486	167	1	the	the	DET
fsr-3486	167	2	second	second	ADJ
fsr-3486	167	3	question	question	NOUN
fsr-3486	167	4	asks	ask	VERB
fsr-3486	167	5	if	if	SCONJ
fsr-3486	167	6	the	the	DET
fsr-3486	167	7	respondent	respondent	NOUN
fsr-3486	167	8	has	have	AUX
fsr-3486	167	9	calculated	calculate	VERB
fsr-3486	167	10	the	the	DET
fsr-3486	167	11	amount	amount	NOUN
fsr-3486	167	12	needed	need	VERB
fsr-3486	167	13	for	for	ADP
fsr-3486	167	14	retirement	retirement	NOUN
fsr-3486	167	15	,	,	PUNCT
fsr-3486	167	16	and	and	CCONJ
fsr-3486	167	17	the	the	DET
fsr-3486	167	18	available	available	ADJ
fsr-3486	167	19	choices	choice	NOUN
fsr-3486	167	20	are	be	AUX
fsr-3486	167	21	the	the	DET
fsr-3486	167	22	same	same	ADJ
fsr-3486	167	23	as	as	ADP
fsr-3486	167	24	for	for	ADP
fsr-3486	167	25	the	the	DET
fsr-3486	167	26	question	question	NOUN
fsr-3486	167	27	on	on	ADP
fsr-3486	167	28	whether	whether	SCONJ
fsr-3486	167	29	they	they	PRON
fsr-3486	167	30	consult	consult	VERB
fsr-3486	167	31	a	a	DET
fsr-3486	167	32	planner	planner	NOUN
fsr-3486	167	33	.	.	PUNCT
fsr-3486	168	1	we	we	PRON
fsr-3486	168	2	combine	combine	VERB
fsr-3486	168	3	these	these	DET
fsr-3486	168	4	two	two	NUM
fsr-3486	168	5	questions	question	NOUN
fsr-3486	168	6	to	to	PART
fsr-3486	168	7	form	form	VERB
fsr-3486	168	8	the	the	DET
fsr-3486	168	9	four	four	NUM
fsr-3486	168	10	lfp	lfp	NOUN
fsr-3486	168	11	options	option	NOUN
fsr-3486	168	12	.	.	PUNCT
fsr-3486	169	1	respondents	respondent	NOUN
fsr-3486	169	2	are	be	AUX
fsr-3486	169	3	given	give	VERB
fsr-3486	169	4	a	a	DET
fsr-3486	169	5	value	value	NOUN
fsr-3486	169	6	of	of	ADP
fsr-3486	169	7	1	1	NUM
fsr-3486	169	8	if	if	SCONJ
fsr-3486	169	9	they	they	PRON
fsr-3486	169	10	answered	answer	VERB
fsr-3486	169	11	yes	yes	INTJ
fsr-3486	169	12	to	to	ADP
fsr-3486	169	13	the	the	DET
fsr-3486	169	14	questions	question	NOUN
fsr-3486	169	15	and	and	CCONJ
fsr-3486	169	16	0	0	NUM
fsr-3486	169	17	if	if	SCONJ
fsr-3486	169	18	they	they	PRON
fsr-3486	169	19	did	do	VERB
fsr-3486	169	20	not	not	PART
fsr-3486	169	21	.	.	PUNCT
fsr-3486	170	1	respondents	respondent	NOUN
fsr-3486	170	2	who	who	PRON
fsr-3486	170	3	consult	consult	VERB
fsr-3486	170	4	a	a	DET
fsr-3486	170	5	planner	planner	NOUN
fsr-3486	170	6	and	and	CCONJ
fsr-3486	170	7	calculate	calculate	VERB
fsr-3486	170	8	retirement	retirement	NOUN
fsr-3486	170	9	income	income	NOUN
fsr-3486	170	10	needs	need	NOUN
fsr-3486	170	11	are	be	AUX
fsr-3486	170	12	coded	code	VERB
fsr-3486	170	13	as	as	ADP
fsr-3486	170	14	“	"	PUNCT
fsr-3486	170	15	comprehensive	comprehensive	ADJ
fsr-3486	170	16	plan	plan	NOUN
fsr-3486	170	17	.	.	PUNCT
fsr-3486	170	18	”	"	PUNCT
fsr-3486	171	1	respondents	respondent	NOUN
fsr-3486	171	2	who	who	PRON
fsr-3486	171	3	only	only	ADV
fsr-3486	171	4	consult	consult	VERB
fsr-3486	171	5	a	a	DET
fsr-3486	171	6	planner	planner	NOUN
fsr-3486	171	7	but	but	CCONJ
fsr-3486	171	8	do	do	AUX
fsr-3486	171	9	not	not	PART
fsr-3486	171	10	calculate	calculate	VERB
fsr-3486	171	11	retirement	retirement	NOUN
fsr-3486	171	12	needs	need	NOUN
fsr-3486	171	13	are	be	AUX
fsr-3486	171	14	coded	code	VERB
fsr-3486	171	15	as	as	ADP
fsr-3486	171	16	“	"	PUNCT
fsr-3486	171	17	plan	plan	NOUN
fsr-3486	171	18	only	only	ADV
fsr-3486	171	19	”	"	PUNCT
fsr-3486	171	20	(	(	PUNCT
fsr-3486	171	21	non	non	ADJ
fsr-3486	171	22	-	-	ADJ
fsr-3486	171	23	comprehensive	comprehensive	ADJ
fsr-3486	171	24	)	)	PUNCT
fsr-3486	171	25	.	.	PUNCT
fsr-3486	172	1	respondents	respondent	NOUN
fsr-3486	172	2	who	who	PRON
fsr-3486	172	3	do	do	AUX
fsr-3486	172	4	not	not	PART
fsr-3486	172	5	see	see	VERB
fsr-3486	172	6	a	a	DET
fsr-3486	172	7	planner	planner	NOUN
fsr-3486	172	8	but	but	CCONJ
fsr-3486	172	9	have	have	AUX
fsr-3486	172	10	calculated	calculate	VERB
fsr-3486	172	11	retirement	retirement	NOUN
fsr-3486	172	12	income	income	NOUN
fsr-3486	172	13	are	be	AUX
fsr-3486	172	14	coded	code	VERB
fsr-3486	172	15	as	as	ADP
fsr-3486	172	16	retirement	retirement	NOUN
fsr-3486	172	17	only	only	ADV
fsr-3486	172	18	(	(	PUNCT
fsr-3486	172	19	non	non	ADJ
fsr-3486	172	20	-	-	ADJ
fsr-3486	172	21	comprehensive	comprehensive	ADJ
fsr-3486	172	22	)	)	PUNCT
fsr-3486	172	23	.	.	PUNCT
fsr-3486	173	1	finally	finally	ADV
fsr-3486	173	2	,	,	PUNCT
fsr-3486	173	3	respondents	respondent	NOUN
fsr-3486	173	4	who	who	PRON
fsr-3486	173	5	have	have	AUX
fsr-3486	173	6	neither	neither	CCONJ
fsr-3486	173	7	consulted	consult	VERB
fsr-3486	173	8	a	a	DET
fsr-3486	173	9	planner	planner	NOUN
fsr-3486	173	10	nor	nor	CCONJ
fsr-3486	173	11	calculated	calculate	VERB
fsr-3486	173	12	retirement	retirement	NOUN
fsr-3486	173	13	income	income	NOUN
fsr-3486	173	14	needs	need	NOUN
fsr-3486	173	15	are	be	AUX
fsr-3486	173	16	classified	classify	VERB
fsr-3486	173	17	as	as	ADP
fsr-3486	173	18	no	no	DET
fsr-3486	173	19	plan	plan	NOUN
fsr-3486	173	20	.	.	PUNCT
fsr-3486	174	1	7.2	7.2	NUM
fsr-3486	174	2	.	.	PUNCT
fsr-3486	175	1	independent	independent	ADJ
fsr-3486	175	2	variables	variable	NOUN
fsr-3486	175	3	the	the	DET
fsr-3486	175	4	independent	independent	ADJ
fsr-3486	175	5	variables	variable	NOUN
fsr-3486	175	6	comprise	comprise	VERB
fsr-3486	175	7	financial	financial	ADJ
fsr-3486	175	8	literacy	literacy	NOUN
fsr-3486	175	9	(	(	PUNCT
fsr-3486	175	10	generated	generate	VERB
fsr-3486	175	11	using	use	VERB
fsr-3486	175	12	three	three	NUM
fsr-3486	175	13	questions	question	NOUN
fsr-3486	175	14	)	)	PUNCT
fsr-3486	175	15	,	,	PUNCT
fsr-3486	175	16	race	race	NOUN
fsr-3486	175	17	/	/	SYM
fsr-3486	175	18	ethnicity	ethnicity	NOUN
fsr-3486	175	19	,	,	PUNCT
fsr-3486	175	20	sex	sex	NOUN
fsr-3486	175	21	,	,	PUNCT
fsr-3486	175	22	income	income	NOUN
fsr-3486	175	23	,	,	PUNCT
fsr-3486	175	24	net	net	NOUN
fsr-3486	175	25	-	-	PUNCT
fsr-3486	175	26	worth	worth	NOUN
fsr-3486	175	27	,	,	PUNCT
fsr-3486	175	28	education	education	NOUN
fsr-3486	175	29	,	,	PUNCT
fsr-3486	175	30	age	age	NOUN
fsr-3486	175	31	,	,	PUNCT
fsr-3486	175	32	and	and	CCONJ
fsr-3486	175	33	marital	marital	ADJ
fsr-3486	175	34	-	-	PUNCT
fsr-3486	175	35	status	status	NOUN
fsr-3486	175	36	.	.	PUNCT
fsr-3486	176	1	the	the	DET
fsr-3486	176	2	level	level	NOUN
fsr-3486	176	3	of	of	ADP
fsr-3486	176	4	risk	risk	NOUN
fsr-3486	176	5	aversion	aversion	NOUN
fsr-3486	176	6	is	be	AUX
fsr-3486	176	7	an	an	DET
fsr-3486	176	8	important	important	ADJ
fsr-3486	176	9	factor	factor	NOUN
fsr-3486	176	10	in	in	ADP
fsr-3486	176	11	the	the	DET
fsr-3486	176	12	demand	demand	NOUN
fsr-3486	176	13	for	for	ADP
fsr-3486	176	14	financial	financial	ADJ
fsr-3486	176	15	advice	advice	NOUN
fsr-3486	176	16	(	(	PUNCT
fsr-3486	176	17	hanna	hanna	NOUN
fsr-3486	176	18	,	,	PUNCT
fsr-3486	176	19	2011	2011	NUM
fsr-3486	176	20	)	)	PUNCT
fsr-3486	176	21	;	;	PUNCT
fsr-3486	176	22	however	however	ADV
fsr-3486	176	23	,	,	PUNCT
fsr-3486	176	24	only	only	ADV
fsr-3486	176	25	247	247	NUM
fsr-3486	176	26	responded	respond	VERB
fsr-3486	176	27	to	to	ADP
fsr-3486	176	28	the	the	DET
fsr-3486	176	29	question	question	NOUN
fsr-3486	176	30	and	and	CCONJ
fsr-3486	176	31	after	after	ADP
fsr-3486	176	32	censoring	censor	VERB
fsr-3486	176	33	it	it	PRON
fsr-3486	176	34	dropped	drop	VERB
fsr-3486	176	35	the	the	DET
fsr-3486	176	36	responses	response	NOUN
fsr-3486	176	37	to	to	ADP
fsr-3486	176	38	214	214	NUM
fsr-3486	176	39	.	.	PUNCT
fsr-3486	177	1	we	we	PRON
fsr-3486	177	2	decided	decide	VERB
fsr-3486	177	3	to	to	PART
fsr-3486	177	4	omit	omit	VERB
fsr-3486	177	5	the	the	DET
fsr-3486	177	6	risk	risk	NOUN
fsr-3486	177	7	variable	variable	NOUN
fsr-3486	177	8	due	due	ADP
fsr-3486	177	9	to	to	ADP
fsr-3486	177	10	the	the	DET
fsr-3486	177	11	small	small	ADJ
fsr-3486	177	12	number	number	NOUN
fsr-3486	177	13	of	of	ADP
fsr-3486	177	14	viable	viable	ADJ
fsr-3486	177	15	responses	response	NOUN
fsr-3486	177	16	.	.	PUNCT
fsr-3486	178	1	7.3	7.3	NUM
fsr-3486	178	2	.	.	PUNCT
fsr-3486	178	3	financial	financial	ADJ
fsr-3486	178	4	literacy	literacy	NOUN
fsr-3486	178	5	variable	variable	NOUN
fsr-3486	178	6	we	we	PRON
fsr-3486	178	7	create	create	VERB
fsr-3486	178	8	the	the	DET
fsr-3486	178	9	financial	financial	ADJ
fsr-3486	178	10	literacy	literacy	NOUN
fsr-3486	178	11	variable	variable	NOUN
fsr-3486	178	12	using	use	VERB
fsr-3486	178	13	a	a	DET
fsr-3486	178	14	prior	prior	ADJ
fsr-3486	178	15	model	model	NOUN
fsr-3486	178	16	(	(	PUNCT
fsr-3486	178	17	lusardi	lusardi	PROPN
fsr-3486	178	18	&	&	CCONJ
fsr-3486	178	19	mitchell	mitchell	PROPN
fsr-3486	178	20	,	,	PUNCT
fsr-3486	178	21	2005	2005	NUM
fsr-3486	178	22	)	)	PUNCT
fsr-3486	178	23	by	by	ADP
fsr-3486	178	24	combining	combine	VERB
fsr-3486	178	25	three	three	NUM
fsr-3486	178	26	questions	question	NOUN
fsr-3486	178	27	from	from	ADP
fsr-3486	178	28	the	the	DET
fsr-3486	178	29	nlsy79	nlsy79	NOUN
fsr-3486	178	30	.	.	PUNCT
fsr-3486	179	1	the	the	DET
fsr-3486	179	2	three	three	NUM
fsr-3486	179	3	questions	question	NOUN
fsr-3486	179	4	are	be	AUX
fsr-3486	179	5	a	a	DET
fsr-3486	179	6	measure	measure	NOUN
fsr-3486	179	7	of	of	ADP
fsr-3486	179	8	inflation	inflation	NOUN
fsr-3486	179	9	,	,	PUNCT
fsr-3486	179	10	numeracy	numeracy	NOUN
fsr-3486	179	11	,	,	PUNCT
fsr-3486	179	12	and	and	CCONJ
fsr-3486	179	13	stock	stock	NOUN
fsr-3486	179	14	fund	fund	NOUN
fsr-3486	179	15	knowledge	knowledge	NOUN
fsr-3486	179	16	.	.	PUNCT
fsr-3486	180	1	the	the	DET
fsr-3486	180	2	financial	financial	ADJ
fsr-3486	180	3	literacy	literacy	NOUN
fsr-3486	180	4	measure	measure	NOUN
fsr-3486	180	5	was	be	AUX
fsr-3486	180	6	developed	develop	VERB
fsr-3486	180	7	in	in	ADP
fsr-3486	180	8	2005	2005	NUM
fsr-3486	180	9	and	and	CCONJ
fsr-3486	180	10	has	have	AUX
fsr-3486	180	11	been	be	AUX
fsr-3486	180	12	used	use	VERB
fsr-3486	180	13	in	in	ADP
fsr-3486	180	14	various	various	ADJ
fsr-3486	180	15	studies	study	NOUN
fsr-3486	180	16	(	(	PUNCT
fsr-3486	180	17	lusardi	lusardi	PROPN
fsr-3486	180	18	&	&	CCONJ
fsr-3486	180	19	mitchell	mitchell	PROPN
fsr-3486	180	20	,	,	PUNCT
fsr-3486	180	21	2006	2006	NUM
fsr-3486	180	22	)	)	PUNCT
fsr-3486	180	23	.	.	PUNCT
fsr-3486	181	1	this	this	DET
fsr-3486	181	2	measure	measure	NOUN
fsr-3486	181	3	of	of	ADP
fsr-3486	181	4	financial	financial	ADJ
fsr-3486	181	5	literacy	literacy	NOUN
fsr-3486	181	6	is	be	AUX
fsr-3486	181	7	divided	divide	VERB
fsr-3486	181	8	into	into	ADP
fsr-3486	181	9	three	three	NUM
fsr-3486	181	10	groups	group	NOUN
fsr-3486	181	11	as	as	SCONJ
fsr-3486	181	12	follows	follow	VERB
fsr-3486	181	13	:	:	PUNCT
fsr-3486	181	14	low	low	ADJ
fsr-3486	181	15	literacy	literacy	NOUN
fsr-3486	181	16	,	,	PUNCT
fsr-3486	181	17	moderate	moderate	ADJ
fsr-3486	181	18	literacy	literacy	NOUN
fsr-3486	181	19	,	,	PUNCT
fsr-3486	181	20	and	and	CCONJ
fsr-3486	181	21	212	212	NUM
fsr-3486	181	22	l.	l.	PROPN
fsr-3486	181	23	a.	a.	PROPN
fsr-3486	181	24	v.	v.	PROPN
fsr-3486	181	25	augustin	augustin	PROPN
fsr-3486	181	26	and	and	CCONJ
fsr-3486	181	27	t.	t.	PROPN
fsr-3486	181	28	k.	k.	PROPN
fsr-3486	181	29	martin	martin	PROPN
fsr-3486	181	30	/	/	SYM
fsr-3486	181	31	financial	financial	ADJ
fsr-3486	181	32	services	service	NOUN
fsr-3486	181	33	review	review	VERB
fsr-3486	181	34	30	30	NUM
fsr-3486	181	35	(	(	PUNCT
fsr-3486	181	36	2022	2022	NUM
fsr-3486	181	37	)	)	PUNCT
fsr-3486	181	38	205–222	205–222	NUM
fsr-3486	181	39	high	high	ADJ
fsr-3486	181	40	literacy	literacy	NOUN
fsr-3486	181	41	.	.	PUNCT
fsr-3486	182	1	low	low	ADJ
fsr-3486	182	2	literacy	literacy	NOUN
fsr-3486	182	3	is	be	AUX
fsr-3486	182	4	defined	define	VERB
fsr-3486	182	5	as	as	ADP
fsr-3486	182	6	getting	get	VERB
fsr-3486	182	7	zero	zero	NUM
fsr-3486	182	8	questions	question	NOUN
fsr-3486	182	9	correct	correct	ADJ
fsr-3486	182	10	,	,	PUNCT
fsr-3486	182	11	moderate	moderate	ADJ
fsr-3486	182	12	literacy	literacy	NOUN
fsr-3486	182	13	is	be	AUX
fsr-3486	182	14	defined	define	VERB
fsr-3486	182	15	as	as	ADP
fsr-3486	182	16	getting	get	VERB
fsr-3486	182	17	one	one	NUM
fsr-3486	182	18	to	to	ADP
fsr-3486	182	19	two	two	NUM
fsr-3486	182	20	questions	question	NOUN
fsr-3486	182	21	correct	correct	ADJ
fsr-3486	182	22	,	,	PUNCT
fsr-3486	182	23	and	and	CCONJ
fsr-3486	182	24	high	high	ADJ
fsr-3486	182	25	literacy	literacy	NOUN
fsr-3486	182	26	is	be	AUX
fsr-3486	182	27	defined	define	VERB
fsr-3486	182	28	as	as	ADP
fsr-3486	182	29	getting	get	VERB
fsr-3486	182	30	all	all	DET
fsr-3486	182	31	three	three	NUM
fsr-3486	182	32	questions	question	NOUN
fsr-3486	182	33	correct	correct	ADJ
fsr-3486	182	34	.	.	PUNCT
fsr-3486	183	1	the	the	DET
fsr-3486	183	2	income	income	NOUN
fsr-3486	183	3	variable	variable	NOUN
fsr-3486	183	4	is	be	AUX
fsr-3486	183	5	a	a	DET
fsr-3486	183	6	self	self	NOUN
fsr-3486	183	7	-	-	PUNCT
fsr-3486	183	8	reported	report	VERB
fsr-3486	183	9	,	,	PUNCT
fsr-3486	183	10	continuous	continuous	ADJ
fsr-3486	183	11	variable	variable	NOUN
fsr-3486	183	12	and	and	CCONJ
fsr-3486	183	13	will	will	AUX
fsr-3486	183	14	be	be	AUX
fsr-3486	183	15	transformed	transform	VERB
fsr-3486	183	16	into	into	ADP
fsr-3486	183	17	four	four	NUM
fsr-3486	183	18	quartiles	quartile	NOUN
fsr-3486	183	19	for	for	ADP
fsr-3486	183	20	the	the	DET
fsr-3486	183	21	regression	regression	NOUN
fsr-3486	183	22	.	.	PUNCT
fsr-3486	184	1	net	net	ADJ
fsr-3486	184	2	worth	worth	NOUN
fsr-3486	184	3	is	be	AUX
fsr-3486	184	4	also	also	ADV
fsr-3486	184	5	self	self	NOUN
fsr-3486	184	6	-	-	PUNCT
fsr-3486	184	7	reported	report	VERB
fsr-3486	184	8	and	and	CCONJ
fsr-3486	184	9	is	be	AUX
fsr-3486	184	10	grouped	group	VERB
fsr-3486	184	11	into	into	ADP
fsr-3486	184	12	four	four	NUM
fsr-3486	184	13	quartiles	quartile	NOUN
fsr-3486	184	14	for	for	ADP
fsr-3486	184	15	the	the	DET
fsr-3486	184	16	analysis	analysis	NOUN
fsr-3486	184	17	.	.	PUNCT
fsr-3486	185	1	the	the	DET
fsr-3486	185	2	age	age	NOUN
fsr-3486	185	3	variable	variable	NOUN
fsr-3486	185	4	is	be	AUX
fsr-3486	185	5	a	a	DET
fsr-3486	185	6	self	self	NOUN
fsr-3486	185	7	-	-	PUNCT
fsr-3486	185	8	reported	report	VERB
fsr-3486	185	9	linear	linear	ADJ
fsr-3486	185	10	variable	variable	NOUN
fsr-3486	185	11	and	and	CCONJ
fsr-3486	185	12	will	will	AUX
fsr-3486	185	13	be	be	AUX
fsr-3486	185	14	transformed	transform	VERB
fsr-3486	185	15	into	into	ADP
fsr-3486	185	16	the	the	DET
fsr-3486	185	17	following	follow	VERB
fsr-3486	185	18	age	age	NOUN
fsr-3486	185	19	ranges	range	VERB
fsr-3486	185	20	:	:	PUNCT
fsr-3486	185	21	47–50	47–50	NUM
fsr-3486	185	22	,	,	PUNCT
fsr-3486	185	23	51–55	51–55	NUM
fsr-3486	185	24	,	,	PUNCT
fsr-3486	185	25	and	and	CCONJ
fsr-3486	185	26	56	56	NUM
fsr-3486	185	27	and	and	CCONJ
fsr-3486	185	28	above	above	ADV
fsr-3486	185	29	.	.	PUNCT
fsr-3486	186	1	education	education	NOUN
fsr-3486	186	2	is	be	AUX
fsr-3486	186	3	an	an	DET
fsr-3486	186	4	ordinal	ordinal	ADJ
fsr-3486	186	5	variable	variable	NOUN
fsr-3486	186	6	ranging	range	VERB
fsr-3486	186	7	from	from	ADP
fsr-3486	186	8	0	0	NUM
fsr-3486	186	9	to	to	ADP
fsr-3486	186	10	20	20	NUM
fsr-3486	186	11	.	.	PUNCT
fsr-3486	187	1	a	a	DET
fsr-3486	187	2	value	value	NOUN
fsr-3486	187	3	of	of	ADP
fsr-3486	187	4	0	0	NUM
fsr-3486	187	5	represents	represent	VERB
fsr-3486	187	6	no	no	DET
fsr-3486	187	7	school	school	NOUN
fsr-3486	187	8	completed	complete	VERB
fsr-3486	187	9	,	,	PUNCT
fsr-3486	187	10	1	1	NUM
fsr-3486	187	11	means	mean	VERB
fsr-3486	187	12	first	first	ADJ
fsr-3486	187	13	grade	grade	NOUN
fsr-3486	187	14	is	be	AUX
fsr-3486	187	15	the	the	DET
fsr-3486	187	16	highest	high	ADJ
fsr-3486	187	17	grade	grade	NOUN
fsr-3486	187	18	completed	complete	VERB
fsr-3486	187	19	and	and	CCONJ
fsr-3486	187	20	so	so	ADV
fsr-3486	187	21	on	on	ADV
fsr-3486	187	22	with	with	ADP
fsr-3486	187	23	20	20	NUM
fsr-3486	187	24	representing	represent	VERB
fsr-3486	187	25	the	the	DET
fsr-3486	187	26	eighth	eighth	ADJ
fsr-3486	187	27	year	year	NOUN
fsr-3486	187	28	of	of	ADP
fsr-3486	187	29	college	college	NOUN
fsr-3486	187	30	.	.	PUNCT
fsr-3486	188	1	the	the	DET
fsr-3486	188	2	varying	vary	VERB
fsr-3486	188	3	levels	level	NOUN
fsr-3486	188	4	of	of	ADP
fsr-3486	188	5	education	education	NOUN
fsr-3486	188	6	are	be	AUX
fsr-3486	188	7	broken	break	VERB
fsr-3486	188	8	down	down	ADP
fsr-3486	188	9	into	into	ADP
fsr-3486	188	10	categories	category	NOUN
fsr-3486	188	11	based	base	VERB
fsr-3486	188	12	on	on	ADP
fsr-3486	188	13	college	college	NOUN
fsr-3486	188	14	degree	degree	NOUN
fsr-3486	188	15	versus	versus	ADP
fsr-3486	188	16	no	no	DET
fsr-3486	188	17	degree	degree	NOUN
fsr-3486	188	18	for	for	ADP
fsr-3486	188	19	the	the	DET
fsr-3486	188	20	purpose	purpose	NOUN
fsr-3486	188	21	of	of	ADP
fsr-3486	188	22	this	this	DET
fsr-3486	188	23	article	article	NOUN
fsr-3486	188	24	.	.	PUNCT
fsr-3486	189	1	the	the	DET
fsr-3486	189	2	gender	gender	NOUN
fsr-3486	189	3	variable	variable	NOUN
fsr-3486	189	4	is	be	AUX
fsr-3486	189	5	a	a	DET
fsr-3486	189	6	binomial	binomial	ADJ
fsr-3486	189	7	value	value	NOUN
fsr-3486	189	8	with	with	ADP
fsr-3486	189	9	1	1	NUM
fsr-3486	189	10	being	be	AUX
fsr-3486	189	11	male	male	ADJ
fsr-3486	189	12	and	and	CCONJ
fsr-3486	189	13	0	0	NUM
fsr-3486	189	14	being	be	AUX
fsr-3486	189	15	female	female	ADJ
fsr-3486	189	16	.	.	PUNCT
fsr-3486	190	1	race	race	NOUN
fsr-3486	190	2	/	/	SYM
fsr-3486	190	3	ethnicity	ethnicity	NOUN
fsr-3486	190	4	is	be	AUX
fsr-3486	190	5	a	a	DET
fsr-3486	190	6	discrete	discrete	ADJ
fsr-3486	190	7	variable	variable	NOUN
fsr-3486	190	8	ranging	range	VERB
fsr-3486	190	9	from	from	ADP
fsr-3486	190	10	1	1	NUM
fsr-3486	190	11	through	through	ADP
fsr-3486	190	12	3	3	NUM
fsr-3486	190	13	with	with	ADP
fsr-3486	190	14	1	1	NUM
fsr-3486	190	15	being	be	AUX
fsr-3486	190	16	hispanic	hispanic	ADJ
fsr-3486	190	17	,	,	PUNCT
fsr-3486	190	18	2	2	NUM
fsr-3486	190	19	black	black	ADJ
fsr-3486	190	20	,	,	PUNCT
fsr-3486	190	21	and	and	CCONJ
fsr-3486	190	22	3	3	NUM
fsr-3486	190	23	being	be	AUX
fsr-3486	190	24	non	non	ADJ
fsr-3486	190	25	-	-	ADJ
fsr-3486	190	26	hispanic	hispanic	ADJ
fsr-3486	190	27	non	non	ADJ
fsr-3486	190	28	-	-	ADJ
fsr-3486	190	29	black	black	ADJ
fsr-3486	190	30	.	.	PUNCT
fsr-3486	191	1	race	race	NOUN
fsr-3486	191	2	/	/	SYM
fsr-3486	191	3	ethnicity	ethnicity	NOUN
fsr-3486	191	4	will	will	AUX
fsr-3486	191	5	be	be	AUX
fsr-3486	191	6	used	use	VERB
fsr-3486	191	7	as	as	ADP
fsr-3486	191	8	a	a	DET
fsr-3486	191	9	dummy	dummy	ADJ
fsr-3486	191	10	variable	variable	NOUN
fsr-3486	191	11	for	for	ADP
fsr-3486	191	12	the	the	DET
fsr-3486	191	13	regression	regression	NOUN
fsr-3486	191	14	.	.	PUNCT
fsr-3486	192	1	8	8	X
fsr-3486	192	2	.	.	X
fsr-3486	192	3	model	model	NOUN
fsr-3486	192	4	we	we	PRON
fsr-3486	192	5	use	use	VERB
fsr-3486	192	6	the	the	DET
fsr-3486	192	7	multinomial	multinomial	ADJ
fsr-3486	192	8	probit	probit	NOUN
fsr-3486	192	9	regression	regression	NOUN
fsr-3486	192	10	method	method	NOUN
fsr-3486	192	11	to	to	PART
fsr-3486	192	12	measure	measure	VERB
fsr-3486	192	13	the	the	DET
fsr-3486	192	14	relationships	relationship	NOUN
fsr-3486	192	15	between	between	ADP
fsr-3486	192	16	the	the	DET
fsr-3486	192	17	independent	independent	ADJ
fsr-3486	192	18	variables	variable	NOUN
fsr-3486	192	19	and	and	CCONJ
fsr-3486	192	20	the	the	DET
fsr-3486	192	21	level	level	NOUN
fsr-3486	192	22	of	of	ADP
fsr-3486	192	23	financial	financial	ADJ
fsr-3486	192	24	planning	planning	NOUN
fsr-3486	192	25	used	use	VERB
fsr-3486	192	26	by	by	ADP
fsr-3486	192	27	respondents	respondent	NOUN
fsr-3486	192	28	.	.	PUNCT
fsr-3486	193	1	this	this	DET
fsr-3486	193	2	regression	regression	NOUN
fsr-3486	193	3	method	method	NOUN
fsr-3486	193	4	allows	allow	VERB
fsr-3486	193	5	for	for	ADP
fsr-3486	193	6	choice	choice	NOUN
fsr-3486	193	7	when	when	SCONJ
fsr-3486	193	8	there	there	PRON
fsr-3486	193	9	is	be	VERB
fsr-3486	193	10	no	no	DET
fsr-3486	193	11	specified	specified	ADJ
fsr-3486	193	12	order	order	NOUN
fsr-3486	193	13	to	to	ADP
fsr-3486	193	14	the	the	DET
fsr-3486	193	15	options	option	NOUN
fsr-3486	193	16	.	.	PUNCT
fsr-3486	194	1	while	while	SCONJ
fsr-3486	194	2	one	one	PRON
fsr-3486	194	3	could	could	AUX
fsr-3486	194	4	argue	argue	VERB
fsr-3486	194	5	that	that	SCONJ
fsr-3486	194	6	having	have	VERB
fsr-3486	194	7	some	some	DET
fsr-3486	194	8	level	level	NOUN
fsr-3486	194	9	of	of	ADP
fsr-3486	194	10	financial	financial	ADJ
fsr-3486	194	11	planning	planning	NOUN
fsr-3486	194	12	is	be	AUX
fsr-3486	194	13	better	well	ADJ
fsr-3486	194	14	than	than	ADP
fsr-3486	194	15	doing	do	VERB
fsr-3486	194	16	nothing	nothing	PRON
fsr-3486	194	17	at	at	ADP
fsr-3486	194	18	all	all	ADV
fsr-3486	194	19	we	we	PRON
fsr-3486	194	20	can	can	AUX
fsr-3486	194	21	not	not	PART
fsr-3486	194	22	make	make	VERB
fsr-3486	194	23	a	a	DET
fsr-3486	194	24	case	case	NOUN
fsr-3486	194	25	for	for	ADP
fsr-3486	194	26	a	a	DET
fsr-3486	194	27	ranking	ranking	NOUN
fsr-3486	194	28	between	between	ADP
fsr-3486	194	29	retirement	retirement	NOUN
fsr-3486	194	30	only	only	ADV
fsr-3486	194	31	and	and	CCONJ
fsr-3486	194	32	plan	plan	VERB
fsr-3486	194	33	only	only	ADV
fsr-3486	194	34	.	.	PUNCT
fsr-3486	195	1	in	in	ADP
fsr-3486	195	2	fact	fact	NOUN
fsr-3486	195	3	lusardi	lusardi	PROPN
fsr-3486	195	4	and	and	CCONJ
fsr-3486	195	5	mitchell	mitchell	PROPN
fsr-3486	195	6	(	(	PUNCT
fsr-3486	195	7	lusardi	lusardi	PROPN
fsr-3486	195	8	&	&	CCONJ
fsr-3486	195	9	mitchell	mitchell	PROPN
fsr-3486	195	10	,	,	PUNCT
fsr-3486	195	11	2005	2005	NUM
fsr-3486	195	12	)	)	PUNCT
fsr-3486	195	13	refer	refer	VERB
fsr-3486	195	14	to	to	ADP
fsr-3486	195	15	those	those	PRON
fsr-3486	195	16	who	who	PRON
fsr-3486	195	17	calculate	calculate	VERB
fsr-3486	195	18	their	their	PRON
fsr-3486	195	19	retirement	retirement	NOUN
fsr-3486	195	20	needs	need	NOUN
fsr-3486	195	21	as	as	ADP
fsr-3486	195	22	using	use	VERB
fsr-3486	195	23	simple	simple	ADJ
fsr-3486	195	24	planning	planning	NOUN
fsr-3486	195	25	.	.	PUNCT
fsr-3486	196	1	the	the	DET
fsr-3486	196	2	simple	simple	ADJ
fsr-3486	196	3	level	level	NOUN
fsr-3486	196	4	of	of	ADP
fsr-3486	196	5	financial	financial	ADJ
fsr-3486	196	6	planning	planning	NOUN
fsr-3486	196	7	would	would	AUX
fsr-3486	196	8	fall	fall	VERB
fsr-3486	196	9	in	in	ADP
fsr-3486	196	10	between	between	ADP
fsr-3486	196	11	no	no	DET
fsr-3486	196	12	planning	planning	NOUN
fsr-3486	196	13	and	and	CCONJ
fsr-3486	196	14	comprehensive	comprehensive	ADJ
fsr-3486	196	15	planning	planning	NOUN
fsr-3486	196	16	.	.	PUNCT
fsr-3486	197	1	it	it	PRON
fsr-3486	197	2	would	would	AUX
fsr-3486	197	3	be	be	AUX
fsr-3486	197	4	difficult	difficult	ADJ
fsr-3486	197	5	to	to	PART
fsr-3486	197	6	make	make	VERB
fsr-3486	197	7	a	a	DET
fsr-3486	197	8	hierarchical	hierarchical	ADJ
fsr-3486	197	9	case	case	NOUN
fsr-3486	197	10	for	for	ADP
fsr-3486	197	11	retirement	retirement	NOUN
fsr-3486	197	12	only	only	ADV
fsr-3486	197	13	versus	versus	ADP
fsr-3486	197	14	plan	plan	NOUN
fsr-3486	197	15	only	only	ADV
fsr-3486	197	16	at	at	ADP
fsr-3486	197	17	this	this	DET
fsr-3486	197	18	point	point	NOUN
fsr-3486	197	19	.	.	PUNCT
fsr-3486	198	1	9	9	X
fsr-3486	198	2	.	.	X
fsr-3486	198	3	results	result	VERB
fsr-3486	198	4	9.1	9.1	NUM
fsr-3486	198	5	.	.	PUNCT
fsr-3486	199	1	univariate	univariate	ADJ
fsr-3486	199	2	analysis	analysis	NOUN
fsr-3486	199	3	the	the	DET
fsr-3486	199	4	sample	sample	NOUN
fsr-3486	199	5	for	for	ADP
fsr-3486	199	6	analysis	analysis	NOUN
fsr-3486	199	7	contains	contain	VERB
fsr-3486	199	8	9,432	9,432	NUM
fsr-3486	199	9	observations	observation	NOUN
fsr-3486	199	10	.	.	PUNCT
fsr-3486	200	1	table	table	NOUN
fsr-3486	200	2	1	1	NUM
fsr-3486	200	3	shows	show	VERB
fsr-3486	200	4	the	the	DET
fsr-3486	200	5	descriptive	descriptive	ADJ
fsr-3486	200	6	statistics	statistic	NOUN
fsr-3486	200	7	for	for	ADP
fsr-3486	200	8	the	the	DET
fsr-3486	200	9	sample	sample	NOUN
fsr-3486	200	10	.	.	PUNCT
fsr-3486	201	1	about	about	ADV
fsr-3486	201	2	18	18	NUM
fsr-3486	201	3	%	%	NOUN
fsr-3486	201	4	of	of	ADP
fsr-3486	201	5	the	the	DET
fsr-3486	201	6	sample	sample	NOUN
fsr-3486	201	7	use	use	VERB
fsr-3486	201	8	a	a	DET
fsr-3486	201	9	comprehensive	comprehensive	ADJ
fsr-3486	201	10	level	level	NOUN
fsr-3486	201	11	of	of	ADP
fsr-3486	201	12	financial	financial	ADJ
fsr-3486	201	13	planning	planning	NOUN
fsr-3486	201	14	,	,	PUNCT
fsr-3486	201	15	about	about	ADV
fsr-3486	201	16	7	7	NUM
fsr-3486	201	17	%	%	NOUN
fsr-3486	201	18	use	use	NOUN
fsr-3486	201	19	the	the	DET
fsr-3486	201	20	plan	plan	NOUN
fsr-3486	201	21	only	only	ADV
fsr-3486	201	22	level	level	NOUN
fsr-3486	201	23	of	of	ADP
fsr-3486	201	24	financial	financial	ADJ
fsr-3486	201	25	planning	planning	NOUN
fsr-3486	201	26	.	.	PUNCT
fsr-3486	202	1	about	about	ADV
fsr-3486	202	2	17	17	NUM
fsr-3486	202	3	%	%	NOUN
fsr-3486	202	4	use	use	NOUN
fsr-3486	202	5	the	the	DET
fsr-3486	202	6	retire	retire	NOUN
fsr-3486	202	7	only	only	ADJ
fsr-3486	202	8	level	level	NOUN
fsr-3486	202	9	,	,	PUNCT
fsr-3486	202	10	and	and	CCONJ
fsr-3486	202	11	about	about	ADV
fsr-3486	202	12	58	58	NUM
fsr-3486	202	13	%	%	NOUN
fsr-3486	202	14	use	use	NOUN
fsr-3486	202	15	no	no	DET
fsr-3486	202	16	plan	plan	NOUN
fsr-3486	202	17	.	.	PUNCT
fsr-3486	203	1	about	about	ADV
fsr-3486	203	2	50	50	NUM
fsr-3486	203	3	%	%	NOUN
fsr-3486	203	4	of	of	ADP
fsr-3486	203	5	the	the	DET
fsr-3486	203	6	sample	sample	NOUN
fsr-3486	203	7	have	have	VERB
fsr-3486	203	8	high	high	ADJ
fsr-3486	203	9	financial	financial	ADJ
fsr-3486	203	10	literacy	literacy	NOUN
fsr-3486	203	11	,	,	PUNCT
fsr-3486	203	12	meaning	mean	VERB
fsr-3486	203	13	they	they	PRON
fsr-3486	203	14	got	get	VERB
fsr-3486	203	15	all	all	DET
fsr-3486	203	16	three	three	NUM
fsr-3486	203	17	questions	question	NOUN
fsr-3486	203	18	correct	correct	ADJ
fsr-3486	203	19	.	.	PUNCT
fsr-3486	204	1	about	about	ADV
fsr-3486	204	2	35	35	NUM
fsr-3486	204	3	%	%	NOUN
fsr-3486	204	4	of	of	ADP
fsr-3486	204	5	the	the	DET
fsr-3486	204	6	sample	sample	NOUN
fsr-3486	204	7	have	have	VERB
fsr-3486	204	8	moderate	moderate	ADJ
fsr-3486	204	9	literacy	literacy	NOUN
fsr-3486	204	10	,	,	PUNCT
fsr-3486	204	11	with	with	ADP
fsr-3486	204	12	the	the	DET
fsr-3486	204	13	remaining	remain	VERB
fsr-3486	204	14	14	14	NUM
fsr-3486	204	15	%	%	NOUN
fsr-3486	204	16	of	of	ADP
fsr-3486	204	17	the	the	DET
fsr-3486	204	18	sample	sample	NOUN
fsr-3486	204	19	scoring	scoring	NOUN
fsr-3486	204	20	in	in	ADP
fsr-3486	204	21	the	the	DET
fsr-3486	204	22	low	low	ADJ
fsr-3486	204	23	literacy	literacy	NOUN
fsr-3486	204	24	range	range	NOUN
fsr-3486	204	25	.	.	PUNCT
fsr-3486	205	1	about	about	ADV
fsr-3486	205	2	19	19	NUM
fsr-3486	205	3	%	%	NOUN
fsr-3486	205	4	of	of	ADP
fsr-3486	205	5	the	the	DET
fsr-3486	205	6	final	final	ADJ
fsr-3486	205	7	sample	sample	NOUN
fsr-3486	205	8	is	be	AUX
fsr-3486	205	9	hispanic	hispanic	ADJ
fsr-3486	205	10	,	,	PUNCT
fsr-3486	205	11	31	31	NUM
fsr-3486	205	12	%	%	NOUN
fsr-3486	205	13	is	be	AUX
fsr-3486	205	14	black	black	ADJ
fsr-3486	205	15	,	,	PUNCT
fsr-3486	205	16	and	and	CCONJ
fsr-3486	205	17	the	the	DET
fsr-3486	205	18	remaining	remain	VERB
fsr-3486	205	19	50	50	NUM
fsr-3486	205	20	%	%	NOUN
fsr-3486	205	21	is	be	AUX
fsr-3486	205	22	nonblack	nonblack	ADJ
fsr-3486	205	23	non	non	ADJ
fsr-3486	205	24	-	-	ADJ
fsr-3486	205	25	hispanic	hispanic	ADJ
fsr-3486	205	26	.	.	PUNCT
fsr-3486	206	1	although	although	SCONJ
fsr-3486	206	2	we	we	PRON
fsr-3486	206	3	recognize	recognize	VERB
fsr-3486	206	4	that	that	SCONJ
fsr-3486	206	5	hispanic	hispanic	NOUN
fsr-3486	206	6	is	be	AUX
fsr-3486	206	7	not	not	PART
fsr-3486	206	8	a	a	DET
fsr-3486	206	9	race	race	NOUN
fsr-3486	206	10	classification	classification	NOUN
fsr-3486	206	11	,	,	PUNCT
fsr-3486	206	12	this	this	PRON
fsr-3486	206	13	is	be	AUX
fsr-3486	206	14	l.	l.	PROPN
fsr-3486	206	15	a.	a.	PROPN
fsr-3486	206	16	v.	v.	PROPN
fsr-3486	206	17	augustin	augustin	PROPN
fsr-3486	206	18	and	and	CCONJ
fsr-3486	206	19	t.	t.	PROPN
fsr-3486	206	20	k.	k.	PROPN
fsr-3486	206	21	martin	martin	PROPN
fsr-3486	206	22	/	/	SYM
fsr-3486	206	23	financial	financial	ADJ
fsr-3486	206	24	services	service	NOUN
fsr-3486	206	25	review	review	VERB
fsr-3486	206	26	30	30	NUM
fsr-3486	206	27	(	(	PUNCT
fsr-3486	206	28	2022	2022	NUM
fsr-3486	206	29	)	)	PUNCT
fsr-3486	206	30	205–222	205–222	NUM
fsr-3486	206	31	213	213	NUM
fsr-3486	206	32	the	the	DET
fsr-3486	206	33	title	title	NOUN
fsr-3486	206	34	that	that	PRON
fsr-3486	206	35	is	be	AUX
fsr-3486	206	36	used	use	VERB
fsr-3486	206	37	in	in	ADP
fsr-3486	206	38	the	the	DET
fsr-3486	206	39	data	data	NOUN
fsr-3486	206	40	collection	collection	NOUN
fsr-3486	206	41	method	method	NOUN
fsr-3486	206	42	of	of	ADP
fsr-3486	206	43	the	the	DET
fsr-3486	206	44	survey	survey	NOUN
fsr-3486	206	45	(	(	PUNCT
fsr-3486	206	46	see	see	VERB
fsr-3486	206	47	appendix	appendix	NOUN
fsr-3486	206	48	3	3	NUM
fsr-3486	206	49	:	:	PUNCT
fsr-3486	206	50	demographics	demographic	NOUN
fsr-3486	206	51	questions	question	NOUN
fsr-3486	206	52	)	)	PUNCT
fsr-3486	206	53	.	.	PUNCT
fsr-3486	207	1	about	about	ADV
fsr-3486	207	2	51	51	NUM
fsr-3486	207	3	%	%	NOUN
fsr-3486	207	4	of	of	ADP
fsr-3486	207	5	the	the	DET
fsr-3486	207	6	sample	sample	NOUN
fsr-3486	207	7	is	be	AUX
fsr-3486	207	8	male	male	ADJ
fsr-3486	207	9	,	,	PUNCT
fsr-3486	207	10	while	while	SCONJ
fsr-3486	207	11	the	the	DET
fsr-3486	207	12	remaining	remain	VERB
fsr-3486	207	13	49	49	NUM
fsr-3486	207	14	%	%	NOUN
fsr-3486	207	15	is	be	AUX
fsr-3486	207	16	female	female	ADJ
fsr-3486	207	17	.	.	PUNCT
fsr-3486	208	1	the	the	DET
fsr-3486	208	2	sample	sample	NOUN
fsr-3486	208	3	has	have	VERB
fsr-3486	208	4	a	a	DET
fsr-3486	208	5	mean	mean	ADJ
fsr-3486	208	6	age	age	NOUN
fsr-3486	208	7	of	of	ADP
fsr-3486	208	8	52	52	NUM
fsr-3486	208	9	years	year	NOUN
fsr-3486	208	10	and	and	CCONJ
fsr-3486	208	11	ranged	range	VERB
fsr-3486	208	12	from	from	ADP
fsr-3486	208	13	47	47	NUM
fsr-3486	208	14	years	year	NOUN
fsr-3486	208	15	to	to	ADP
fsr-3486	208	16	58	58	NUM
fsr-3486	208	17	years	year	NOUN
fsr-3486	208	18	.	.	PUNCT
fsr-3486	209	1	about	about	ADV
fsr-3486	209	2	71	71	NUM
fsr-3486	209	3	%	%	NOUN
fsr-3486	209	4	of	of	ADP
fsr-3486	209	5	the	the	DET
fsr-3486	209	6	sample	sample	NOUN
fsr-3486	209	7	have	have	VERB
fsr-3486	209	8	less	less	ADJ
fsr-3486	209	9	than	than	ADP
fsr-3486	209	10	a	a	DET
fsr-3486	209	11	college	college	NOUN
fsr-3486	209	12	degree	degree	NOUN
fsr-3486	209	13	,	,	PUNCT
fsr-3486	209	14	with	with	ADP
fsr-3486	209	15	the	the	DET
fsr-3486	209	16	remaining	remain	VERB
fsr-3486	209	17	28	28	NUM
fsr-3486	209	18	%	%	NOUN
fsr-3486	209	19	having	have	VERB
fsr-3486	209	20	a	a	DET
fsr-3486	209	21	college	college	NOUN
fsr-3486	209	22	degree	degree	NOUN
fsr-3486	209	23	or	or	CCONJ
fsr-3486	209	24	higher	high	ADJ
fsr-3486	209	25	.	.	PUNCT
fsr-3486	210	1	the	the	DET
fsr-3486	210	2	portion	portion	NOUN
fsr-3486	210	3	of	of	ADP
fsr-3486	210	4	those	those	PRON
fsr-3486	210	5	reporting	report	VERB
fsr-3486	210	6	no	no	DET
fsr-3486	210	7	college	college	NOUN
fsr-3486	210	8	degree	degree	NOUN
fsr-3486	210	9	includes	include	VERB
fsr-3486	210	10	respondents	respondent	NOUN
fsr-3486	210	11	currently	currently	ADV
fsr-3486	210	12	in	in	ADP
fsr-3486	210	13	college	college	NOUN
fsr-3486	210	14	who	who	PRON
fsr-3486	210	15	have	have	AUX
fsr-3486	210	16	not	not	PART
fsr-3486	210	17	completed	complete	VERB
fsr-3486	210	18	their	their	PRON
fsr-3486	210	19	degree	degree	NOUN
fsr-3486	210	20	at	at	ADP
fsr-3486	210	21	the	the	DET
fsr-3486	210	22	time	time	NOUN
fsr-3486	210	23	of	of	ADP
fsr-3486	210	24	the	the	DET
fsr-3486	210	25	survey	survey	NOUN
fsr-3486	210	26	.	.	PUNCT
fsr-3486	211	1	this	this	DET
fsr-3486	211	2	sample	sample	NOUN
fsr-3486	211	3	has	have	VERB
fsr-3486	211	4	a	a	DET
fsr-3486	211	5	mean	mean	ADJ
fsr-3486	211	6	income	income	NOUN
fsr-3486	211	7	of	of	ADP
fsr-3486	211	8	about	about	ADV
fsr-3486	211	9	$	$	SYM
fsr-3486	211	10	44,000	44,000	NUM
fsr-3486	211	11	,	,	PUNCT
fsr-3486	211	12	with	with	ADP
fsr-3486	211	13	a	a	DET
fsr-3486	211	14	maximum	maximum	ADJ
fsr-3486	211	15	income	income	NOUN
fsr-3486	211	16	of	of	ADP
fsr-3486	211	17	about	about	ADV
fsr-3486	211	18	$	$	SYM
fsr-3486	211	19	370,000	370,000	NUM
fsr-3486	211	20	.	.	PUNCT
fsr-3486	212	1	the	the	DET
fsr-3486	212	2	mean	mean	ADJ
fsr-3486	212	3	net	net	ADJ
fsr-3486	212	4	worth	worth	NOUN
fsr-3486	212	5	for	for	ADP
fsr-3486	212	6	the	the	DET
fsr-3486	212	7	sample	sample	NOUN
fsr-3486	212	8	is	be	AUX
fsr-3486	212	9	about	about	ADV
fsr-3486	212	10	$	$	SYM
fsr-3486	212	11	270,000	270,000	NUM
fsr-3486	212	12	,	,	PUNCT
fsr-3486	212	13	with	with	ADP
fsr-3486	212	14	a	a	DET
fsr-3486	212	15	maximum	maximum	ADJ
fsr-3486	212	16	net	net	ADJ
fsr-3486	212	17	worth	worth	NOUN
fsr-3486	212	18	of	of	ADP
fsr-3486	212	19	slightly	slightly	ADV
fsr-3486	212	20	above	above	ADP
fsr-3486	212	21	$	$	SYM
fsr-3486	212	22	5,000,000	5,000,000	NUM
fsr-3486	212	23	.	.	PUNCT
fsr-3486	213	1	the	the	DET
fsr-3486	213	2	income	income	NOUN
fsr-3486	213	3	and	and	CCONJ
fsr-3486	213	4	net	net	ADJ
fsr-3486	213	5	worth	worth	NOUN
fsr-3486	213	6	of	of	ADP
fsr-3486	213	7	the	the	DET
fsr-3486	213	8	respondents	respondent	NOUN
fsr-3486	213	9	are	be	AUX
fsr-3486	213	10	divided	divide	VERB
fsr-3486	213	11	into	into	ADP
fsr-3486	213	12	quartiles	quartile	NOUN
fsr-3486	213	13	for	for	ADP
fsr-3486	213	14	the	the	DET
fsr-3486	213	15	purpose	purpose	NOUN
fsr-3486	213	16	of	of	ADP
fsr-3486	213	17	analysis	analysis	NOUN
fsr-3486	213	18	.	.	PUNCT
fsr-3486	214	1	finally	finally	ADV
fsr-3486	214	2	,	,	PUNCT
fsr-3486	214	3	about	about	ADV
fsr-3486	214	4	62	62	NUM
fsr-3486	214	5	%	%	NOUN
fsr-3486	214	6	of	of	ADP
fsr-3486	214	7	the	the	DET
fsr-3486	214	8	sample	sample	NOUN
fsr-3486	214	9	is	be	AUX
fsr-3486	214	10	married	marry	VERB
fsr-3486	214	11	,	,	PUNCT
fsr-3486	214	12	including	include	VERB
fsr-3486	214	13	those	those	PRON
fsr-3486	214	14	who	who	PRON
fsr-3486	214	15	are	be	AUX
fsr-3486	214	16	currently	currently	ADV
fsr-3486	214	17	separated	separate	VERB
fsr-3486	214	18	.	.	PUNCT
fsr-3486	215	1	the	the	DET
fsr-3486	215	2	remaining	remain	VERB
fsr-3486	215	3	38	38	NUM
fsr-3486	215	4	%	%	NOUN
fsr-3486	215	5	are	be	AUX
fsr-3486	215	6	unmarried	unmarried	ADJ
fsr-3486	215	7	and	and	CCONJ
fsr-3486	215	8	this	this	PRON
fsr-3486	215	9	includes	include	VERB
fsr-3486	215	10	divorced	divorce	VERB
fsr-3486	215	11	,	,	PUNCT
fsr-3486	215	12	widowed	widow	VERB
fsr-3486	215	13	,	,	PUNCT
fsr-3486	215	14	and	and	CCONJ
fsr-3486	215	15	never	never	ADV
fsr-3486	215	16	married	marry	VERB
fsr-3486	215	17	individuals	individual	NOUN
fsr-3486	215	18	.	.	PUNCT
fsr-3486	216	1	table	table	NOUN
fsr-3486	216	2	1	1	NUM
fsr-3486	216	3	descriptive	descriptive	ADJ
fsr-3486	216	4	statistics	statistic	NOUN
fsr-3486	216	5	for	for	ADP
fsr-3486	216	6	level	level	NOUN
fsr-3486	216	7	of	of	ADP
fsr-3486	216	8	financial	financial	ADJ
fsr-3486	216	9	planning	planning	NOUN
fsr-3486	216	10	sample	sample	NOUN
fsr-3486	216	11	(	(	PUNCT
fsr-3486	216	12	n	n	NOUN
fsr-3486	216	13	=	=	SYM
fsr-3486	216	14	9,432	9,432	NUM
fsr-3486	216	15	)	)	PUNCT
fsr-3486	216	16	variable	variable	ADJ
fsr-3486	216	17	frequency	frequency	NOUN
fsr-3486	216	18	level	level	NOUN
fsr-3486	216	19	of	of	ADP
fsr-3486	216	20	financial	financial	ADJ
fsr-3486	216	21	planning	planning	NOUN
fsr-3486	216	22	comprehensive	comprehensive	ADJ
fsr-3486	216	23	17.90	17.90	NUM
fsr-3486	216	24	%	%	NOUN
fsr-3486	216	25	plan	plan	NOUN
fsr-3486	216	26	only	only	ADV
fsr-3486	216	27	6.81	6.81	NUM
fsr-3486	216	28	%	%	NOUN
fsr-3486	216	29	retire	retire	NOUN
fsr-3486	216	30	only	only	ADV
fsr-3486	216	31	17.26	17.26	NUM
fsr-3486	216	32	%	%	NOUN
fsr-3486	216	33	no	no	DET
fsr-3486	216	34	plan	plan	NOUN
fsr-3486	216	35	58.04	58.04	NUM
fsr-3486	216	36	%	%	NOUN
fsr-3486	216	37	financial	financial	ADJ
fsr-3486	216	38	literacy	literacy	NOUN
fsr-3486	216	39	low	low	ADJ
fsr-3486	216	40	14.40	14.40	NUM
fsr-3486	216	41	%	%	NOUN
fsr-3486	216	42	moderate	moderate	ADJ
fsr-3486	216	43	35.41	35.41	NUM
fsr-3486	216	44	%	%	NOUN
fsr-3486	216	45	high	high	ADJ
fsr-3486	216	46	50.19	50.19	NUM
fsr-3486	216	47	%	%	NOUN
fsr-3486	216	48	race	race	NOUN
fsr-3486	216	49	/	/	SYM
fsr-3486	216	50	ethnicity	ethnicity	NOUN
fsr-3486	216	51	hispanic	hispanic	NOUN
fsr-3486	216	52	17.37	17.37	NUM
fsr-3486	216	53	%	%	NOUN
fsr-3486	216	54	black	black	ADJ
fsr-3486	216	55	31.09	31.09	NUM
fsr-3486	216	56	%	%	NOUN
fsr-3486	216	57	non	non	ADJ
fsr-3486	216	58	-	-	ADJ
fsr-3486	216	59	black	black	ADJ
fsr-3486	216	60	non	non	ADJ
fsr-3486	216	61	-	-	ADJ
fsr-3486	216	62	hispanic	hispanic	ADJ
fsr-3486	216	63	51.54	51.54	NUM
fsr-3486	216	64	%	%	NOUN
fsr-3486	216	65	sex	sex	NOUN
fsr-3486	216	66	male	male	NOUN
fsr-3486	216	67	51.48	51.48	NUM
fsr-3486	216	68	%	%	NOUN
fsr-3486	216	69	female	female	ADJ
fsr-3486	216	70	48.52	48.52	NUM
fsr-3486	216	71	%	%	NOUN
fsr-3486	216	72	income	income	NOUN
fsr-3486	216	73	quartiles	quartile	VERB
fsr-3486	216	74	$	$	SYM
fsr-3486	216	75	0	0	NUM
fsr-3486	216	76	to	to	PART
fsr-3486	216	77	$	$	SYM
fsr-3486	216	78	10,000	10,000	NUM
fsr-3486	216	79	25.59	25.59	NUM
fsr-3486	216	80	%	%	NOUN
fsr-3486	216	81	$	$	SYM
fsr-3486	216	82	10,001	10,001	NUM
fsr-3486	216	83	to	to	PART
fsr-3486	216	84	$	$	SYM
fsr-3486	216	85	35,000	35,000	NUM
fsr-3486	216	86	24.87	24.87	NUM
fsr-3486	216	87	%	%	NOUN
fsr-3486	216	88	$	$	SYM
fsr-3486	216	89	35,001	35,001	NUM
fsr-3486	216	90	to	to	PART
fsr-3486	216	91	$	$	SYM
fsr-3486	216	92	64,000	64,000	NUM
fsr-3486	216	93	24.71	24.71	NUM
fsr-3486	216	94	%	%	NOUN
fsr-3486	216	95	$	$	SYM
fsr-3486	216	96	64,001	64,001	NUM
fsr-3486	216	97	and	and	CCONJ
fsr-3486	216	98	above	above	ADP
fsr-3486	216	99	24.83	24.83	NUM
fsr-3486	216	100	%	%	NOUN
fsr-3486	216	101	net	net	ADJ
fsr-3486	216	102	worth	worth	NOUN
fsr-3486	216	103	quartiles	quartile	VERB
fsr-3486	216	104	$	$	SYM
fsr-3486	216	105	0	0	NUM
fsr-3486	216	106	to	to	ADP
fsr-3486	216	107	$	$	SYM
fsr-3486	216	108	2,000	2,000	NUM
fsr-3486	216	109	25.48	25.48	NUM
fsr-3486	216	110	%	%	NOUN
fsr-3486	216	111	$	$	SYM
fsr-3486	216	112	2,001	2,001	NUM
fsr-3486	216	113	to	to	PART
fsr-3486	216	114	$	$	SYM
fsr-3486	216	115	67,000	67,000	NUM
fsr-3486	216	116	24.54	24.54	NUM
fsr-3486	216	117	%	%	NOUN
fsr-3486	216	118	$	$	SYM
fsr-3486	216	119	67,001	67,001	NUM
fsr-3486	216	120	to	to	PART
fsr-3486	216	121	$	$	SYM
fsr-3486	216	122	270,750	270,750	NUM
fsr-3486	216	123	24.98	24.98	NUM
fsr-3486	216	124	%	%	NOUN
fsr-3486	216	125	$	$	SYM
fsr-3486	216	126	290,751	290,751	NUM
fsr-3486	216	127	and	and	CCONJ
fsr-3486	216	128	above	above	ADP
fsr-3486	216	129	25.00	25.00	NUM
fsr-3486	216	130	%	%	NOUN
fsr-3486	216	131	education	education	NOUN
fsr-3486	216	132	college	college	NOUN
fsr-3486	216	133	degree	degree	NOUN
fsr-3486	216	134	28.11	28.11	NUM
fsr-3486	216	135	%	%	NOUN
fsr-3486	216	136	less	less	ADJ
fsr-3486	216	137	than	than	ADP
fsr-3486	216	138	college	college	NOUN
fsr-3486	216	139	71.89	71.89	NUM
fsr-3486	216	140	%	%	NOUN
fsr-3486	216	141	marital	marital	ADJ
fsr-3486	216	142	status	status	NOUN
fsr-3486	216	143	married	marry	VERB
fsr-3486	216	144	62.12	62.12	NUM
fsr-3486	216	145	%	%	NOUN
fsr-3486	216	146	not	not	PART
fsr-3486	216	147	married	marry	VERB
fsr-3486	216	148	37.88	37.88	NUM
fsr-3486	216	149	%	%	NOUN
fsr-3486	216	150	214	214	NUM
fsr-3486	216	151	l.	l.	PROPN
fsr-3486	216	152	a.	a.	PROPN
fsr-3486	216	153	v.	v.	PROPN
fsr-3486	216	154	augustin	augustin	PROPN
fsr-3486	216	155	and	and	CCONJ
fsr-3486	216	156	t.	t.	PROPN
fsr-3486	216	157	k.	k.	PROPN
fsr-3486	216	158	martin	martin	PROPN
fsr-3486	216	159	/	/	SYM
fsr-3486	216	160	financial	financial	ADJ
fsr-3486	216	161	services	service	NOUN
fsr-3486	216	162	review	review	VERB
fsr-3486	216	163	30	30	NUM
fsr-3486	216	164	(	(	PUNCT
fsr-3486	216	165	2022	2022	NUM
fsr-3486	216	166	)	)	PUNCT
fsr-3486	216	167	205–222	205–222	NUM
fsr-3486	216	168	table	table	NOUN
fsr-3486	216	169	2	2	NUM
fsr-3486	216	170	shows	show	VERB
fsr-3486	216	171	the	the	DET
fsr-3486	216	172	cross	cross	NOUN
fsr-3486	216	173	tabulations	tabulation	NOUN
fsr-3486	216	174	of	of	ADP
fsr-3486	216	175	the	the	DET
fsr-3486	216	176	sample	sample	NOUN
fsr-3486	216	177	by	by	ADP
fsr-3486	216	178	level	level	NOUN
fsr-3486	216	179	of	of	ADP
fsr-3486	216	180	financial	financial	ADJ
fsr-3486	216	181	planning	planning	NOUN
fsr-3486	216	182	.	.	PUNCT
fsr-3486	217	1	it	it	PRON
fsr-3486	217	2	is	be	AUX
fsr-3486	217	3	important	important	ADJ
fsr-3486	217	4	to	to	PART
fsr-3486	217	5	note	note	VERB
fsr-3486	217	6	that	that	SCONJ
fsr-3486	217	7	across	across	ADP
fsr-3486	217	8	all	all	DET
fsr-3486	217	9	categories	category	NOUN
fsr-3486	217	10	most	most	ADJ
fsr-3486	217	11	individuals	individual	NOUN
fsr-3486	217	12	choose	choose	VERB
fsr-3486	217	13	the	the	DET
fsr-3486	217	14	no	no	DET
fsr-3486	217	15	plan	plan	NOUN
fsr-3486	217	16	level	level	NOUN
fsr-3486	217	17	of	of	ADP
fsr-3486	217	18	financial	financial	ADJ
fsr-3486	217	19	planning	planning	NOUN
fsr-3486	217	20	.	.	PUNCT
fsr-3486	218	1	we	we	PRON
fsr-3486	218	2	see	see	VERB
fsr-3486	218	3	that	that	SCONJ
fsr-3486	218	4	among	among	ADP
fsr-3486	218	5	those	those	PRON
fsr-3486	218	6	with	with	ADP
fsr-3486	218	7	low	low	ADJ
fsr-3486	218	8	levels	level	NOUN
fsr-3486	218	9	of	of	ADP
fsr-3486	218	10	financial	financial	ADJ
fsr-3486	218	11	literacy	literacy	NOUN
fsr-3486	218	12	,	,	PUNCT
fsr-3486	218	13	about	about	ADV
fsr-3486	218	14	70	70	NUM
fsr-3486	218	15	%	%	NOUN
fsr-3486	218	16	choose	choose	VERB
fsr-3486	218	17	the	the	DET
fsr-3486	218	18	no	no	DET
fsr-3486	218	19	plan	plan	NOUN
fsr-3486	218	20	level	level	NOUN
fsr-3486	218	21	of	of	ADP
fsr-3486	218	22	financial	financial	ADJ
fsr-3486	218	23	planning	planning	NOUN
fsr-3486	218	24	.	.	PUNCT
fsr-3486	219	1	this	this	PRON
fsr-3486	219	2	drops	drop	VERB
fsr-3486	219	3	to	to	ADP
fsr-3486	219	4	about	about	ADP
fsr-3486	219	5	50	50	NUM
fsr-3486	219	6	%	%	NOUN
fsr-3486	219	7	for	for	ADP
fsr-3486	219	8	those	those	PRON
fsr-3486	219	9	with	with	ADP
fsr-3486	219	10	high	high	ADJ
fsr-3486	219	11	levels	level	NOUN
fsr-3486	219	12	of	of	ADP
fsr-3486	219	13	financial	financial	ADJ
fsr-3486	219	14	literacy	literacy	NOUN
fsr-3486	219	15	.	.	PUNCT
fsr-3486	220	1	as	as	SCONJ
fsr-3486	220	2	financial	financial	ADJ
fsr-3486	220	3	literacy	literacy	NOUN
fsr-3486	220	4	levels	level	NOUN
fsr-3486	220	5	increase	increase	VERB
fsr-3486	220	6	,	,	PUNCT
fsr-3486	220	7	there	there	PRON
fsr-3486	220	8	is	be	VERB
fsr-3486	220	9	a	a	DET
fsr-3486	220	10	drop	drop	NOUN
fsr-3486	220	11	in	in	ADP
fsr-3486	220	12	the	the	DET
fsr-3486	220	13	chance	chance	NOUN
fsr-3486	220	14	of	of	ADP
fsr-3486	220	15	respondents	respondent	NOUN
fsr-3486	220	16	using	use	VERB
fsr-3486	220	17	the	the	DET
fsr-3486	220	18	no	no	DET
fsr-3486	220	19	plan	plan	NOUN
fsr-3486	220	20	level	level	NOUN
fsr-3486	220	21	financial	financial	ADJ
fsr-3486	220	22	planning	planning	NOUN
fsr-3486	220	23	.	.	PUNCT
fsr-3486	221	1	about	about	ADV
fsr-3486	221	2	24	24	NUM
fsr-3486	221	3	%	%	NOUN
fsr-3486	221	4	of	of	ADP
fsr-3486	221	5	those	those	PRON
fsr-3486	221	6	with	with	ADP
fsr-3486	221	7	high	high	ADJ
fsr-3486	221	8	financial	financial	ADJ
fsr-3486	221	9	literacy	literacy	NOUN
fsr-3486	221	10	use	use	VERB
fsr-3486	221	11	the	the	DET
fsr-3486	221	12	comprehensive	comprehensive	ADJ
fsr-3486	221	13	level	level	NOUN
fsr-3486	221	14	of	of	ADP
fsr-3486	221	15	financial	financial	ADJ
fsr-3486	221	16	planning	planning	NOUN
fsr-3486	221	17	,	,	PUNCT
fsr-3486	221	18	about	about	ADV
fsr-3486	221	19	8	8	NUM
fsr-3486	221	20	%	%	NOUN
fsr-3486	221	21	use	use	NOUN
fsr-3486	221	22	plan	plan	NOUN
fsr-3486	221	23	only	only	ADV
fsr-3486	221	24	,	,	PUNCT
fsr-3486	221	25	about	about	ADV
fsr-3486	221	26	19	19	NUM
fsr-3486	221	27	%	%	NOUN
fsr-3486	221	28	use	use	NOUN
fsr-3486	221	29	retire	retire	NOUN
fsr-3486	221	30	only	only	ADV
fsr-3486	221	31	,	,	PUNCT
fsr-3486	221	32	and	and	CCONJ
fsr-3486	221	33	about	about	ADV
fsr-3486	221	34	50	50	NUM
fsr-3486	221	35	%	%	NOUN
fsr-3486	221	36	use	use	NOUN
fsr-3486	221	37	no	no	DET
fsr-3486	221	38	plan	plan	NOUN
fsr-3486	221	39	.	.	PUNCT
fsr-3486	222	1	about	about	ADV
fsr-3486	222	2	14	14	NUM
fsr-3486	222	3	%	%	NOUN
fsr-3486	222	4	of	of	ADP
fsr-3486	222	5	hispanics	hispanics	PROPN
fsr-3486	222	6	use	use	VERB
fsr-3486	222	7	the	the	DET
fsr-3486	222	8	comprehensive	comprehensive	ADJ
fsr-3486	222	9	level	level	NOUN
fsr-3486	222	10	of	of	ADP
fsr-3486	222	11	financial	financial	ADJ
fsr-3486	222	12	planning	planning	NOUN
fsr-3486	222	13	,	,	PUNCT
fsr-3486	222	14	while	while	SCONJ
fsr-3486	222	15	about	about	ADV
fsr-3486	222	16	63	63	NUM
fsr-3486	222	17	%	%	NOUN
fsr-3486	222	18	use	use	NOUN
fsr-3486	222	19	no	no	DET
fsr-3486	222	20	plan	plan	NOUN
fsr-3486	222	21	.	.	PUNCT
fsr-3486	223	1	about	about	ADV
fsr-3486	223	2	12	12	NUM
fsr-3486	223	3	%	%	NOUN
fsr-3486	223	4	of	of	ADP
fsr-3486	223	5	blacks	black	NOUN
fsr-3486	223	6	use	use	VERB
fsr-3486	223	7	the	the	DET
fsr-3486	223	8	comprehensive	comprehensive	ADJ
fsr-3486	223	9	level	level	NOUN
fsr-3486	223	10	of	of	ADP
fsr-3486	223	11	financial	financial	ADJ
fsr-3486	223	12	planning	planning	NOUN
fsr-3486	223	13	,	,	PUNCT
fsr-3486	223	14	while	while	SCONJ
fsr-3486	223	15	about	about	ADV
fsr-3486	223	16	66	66	NUM
fsr-3486	223	17	%	%	NOUN
fsr-3486	223	18	use	use	NOUN
fsr-3486	223	19	no	no	DET
fsr-3486	223	20	plan	plan	NOUN
fsr-3486	223	21	.	.	PUNCT
fsr-3486	224	1	about	about	ADV
fsr-3486	224	2	23	23	NUM
fsr-3486	224	3	%	%	NOUN
fsr-3486	224	4	of	of	ADP
fsr-3486	224	5	non	non	ADJ
fsr-3486	224	6	-	-	ADJ
fsr-3486	224	7	black	black	ADJ
fsr-3486	224	8	non	non	ADJ
fsr-3486	224	9	-	-	NOUN
fsr-3486	224	10	hispanics	hispanic	NOUN
fsr-3486	224	11	use	use	VERB
fsr-3486	224	12	the	the	DET
fsr-3486	224	13	comprehensive	comprehensive	ADJ
fsr-3486	224	14	level	level	NOUN
fsr-3486	224	15	of	of	ADP
fsr-3486	224	16	financial	financial	ADJ
fsr-3486	224	17	planning	planning	NOUN
fsr-3486	224	18	,	,	PUNCT
fsr-3486	224	19	compared	compare	VERB
fsr-3486	224	20	with	with	ADP
fsr-3486	224	21	about	about	ADV
fsr-3486	224	22	52	52	NUM
fsr-3486	224	23	%	%	NOUN
fsr-3486	224	24	who	who	PRON
fsr-3486	224	25	use	use	VERB
fsr-3486	224	26	no	no	DET
fsr-3486	224	27	plan	plan	NOUN
fsr-3486	224	28	.	.	PUNCT
fsr-3486	225	1	about	about	ADV
fsr-3486	225	2	17	17	NUM
fsr-3486	225	3	%	%	NOUN
fsr-3486	225	4	of	of	ADP
fsr-3486	225	5	males	male	NOUN
fsr-3486	225	6	and	and	CCONJ
fsr-3486	225	7	about	about	ADV
fsr-3486	225	8	19	19	NUM
fsr-3486	225	9	%	%	NOUN
fsr-3486	225	10	of	of	ADP
fsr-3486	225	11	females	female	NOUN
fsr-3486	225	12	use	use	VERB
fsr-3486	225	13	the	the	DET
fsr-3486	225	14	comprehensive	comprehensive	ADJ
fsr-3486	225	15	level	level	NOUN
fsr-3486	225	16	of	of	ADP
fsr-3486	225	17	financial	financial	ADJ
fsr-3486	225	18	planning	planning	NOUN
fsr-3486	225	19	.	.	PUNCT
fsr-3486	226	1	about	about	ADV
fsr-3486	226	2	58	58	NUM
fsr-3486	226	3	%	%	NOUN
fsr-3486	226	4	of	of	ADP
fsr-3486	226	5	both	both	DET
fsr-3486	226	6	males	male	NOUN
fsr-3486	226	7	and	and	CCONJ
fsr-3486	226	8	females	female	NOUN
fsr-3486	226	9	use	use	VERB
fsr-3486	226	10	the	the	DET
fsr-3486	226	11	no	no	DET
fsr-3486	226	12	plan	plan	NOUN
fsr-3486	226	13	level	level	NOUN
fsr-3486	226	14	of	of	ADP
fsr-3486	226	15	financial	financial	ADJ
fsr-3486	226	16	planning	planning	NOUN
fsr-3486	226	17	.	.	PUNCT
fsr-3486	227	1	table	table	NOUN
fsr-3486	227	2	2	2	NUM
fsr-3486	227	3	cross	cross	NOUN
fsr-3486	227	4	tabulations	tabulation	NOUN
fsr-3486	227	5	of	of	ADP
fsr-3486	227	6	sample	sample	NOUN
fsr-3486	227	7	by	by	ADP
fsr-3486	227	8	level	level	NOUN
fsr-3486	227	9	of	of	ADP
fsr-3486	227	10	financial	financial	ADJ
fsr-3486	227	11	planning	planning	NOUN
fsr-3486	227	12	(	(	PUNCT
fsr-3486	227	13	n	n	NOUN
fsr-3486	227	14	=	=	SYM
fsr-3486	227	15	9,432	9,432	NUM
fsr-3486	227	16	)	)	PUNCT
fsr-3486	227	17	variables	variable	NOUN
fsr-3486	227	18	level	level	NOUN
fsr-3486	227	19	of	of	ADP
fsr-3486	227	20	financial	financial	ADJ
fsr-3486	227	21	planning	planning	NOUN
fsr-3486	227	22	comprehensive	comprehensive	ADJ
fsr-3486	227	23	plan	plan	NOUN
fsr-3486	227	24	only	only	ADV
fsr-3486	227	25	retire	retire	VERB
fsr-3486	227	26	only	only	ADV
fsr-3486	227	27	no	no	DET
fsr-3486	227	28	plan	plan	NOUN
fsr-3486	227	29	financial	financial	ADJ
fsr-3486	227	30	literacy	literacy	NOUN
fsr-3486	227	31	low	low	ADJ
fsr-3486	227	32	8.98	8.98	NUM
fsr-3486	227	33	%	%	NOUN
fsr-3486	227	34	6.41	6.41	NUM
fsr-3486	227	35	%	%	NOUN
fsr-3486	227	36	14.43	14.43	NUM
fsr-3486	227	37	%	%	NOUN
fsr-3486	227	38	70.18	70.18	NUM
fsr-3486	227	39	%	%	NOUN
fsr-3486	227	40	moderate	moderate	ADJ
fsr-3486	227	41	13.35	13.35	NUM
fsr-3486	227	42	%	%	NOUN
fsr-3486	227	43	5.63	5.63	NUM
fsr-3486	227	44	%	%	NOUN
fsr-3486	227	45	16.62	16.62	NUM
fsr-3486	227	46	%	%	NOUN
fsr-3486	227	47	64.40	64.40	NUM
fsr-3486	227	48	%	%	NOUN
fsr-3486	227	49	high	high	ADJ
fsr-3486	227	50	23.66	23.66	NUM
fsr-3486	227	51	%	%	NOUN
fsr-3486	227	52	7.75	7.75	NUM
fsr-3486	227	53	%	%	NOUN
fsr-3486	227	54	18.53	18.53	NUM
fsr-3486	227	55	%	%	NOUN
fsr-3486	227	56	50.06	50.06	NUM
fsr-3486	227	57	%	%	NOUN
fsr-3486	227	58	race	race	NOUN
fsr-3486	227	59	/	/	SYM
fsr-3486	227	60	ethnicity	ethnicity	NOUN
fsr-3486	227	61	hispanic	hispanic	NOUN
fsr-3486	227	62	13.61	13.61	NUM
fsr-3486	227	63	%	%	NOUN
fsr-3486	227	64	5.92	5.92	NUM
fsr-3486	227	65	%	%	NOUN
fsr-3486	227	66	17.58	17.58	NUM
fsr-3486	227	67	%	%	NOUN
fsr-3486	227	68	62.88	62.88	NUM
fsr-3486	227	69	%	%	NOUN
fsr-3486	227	70	black	black	ADJ
fsr-3486	227	71	12.04	12.04	NUM
fsr-3486	227	72	%	%	NOUN
fsr-3486	227	73	5.87	5.87	NUM
fsr-3486	227	74	%	%	NOUN
fsr-3486	227	75	15.89	15.89	NUM
fsr-3486	227	76	%	%	NOUN
fsr-3486	227	77	66.20	66.20	NUM
fsr-3486	227	78	%	%	NOUN
fsr-3486	227	79	non	non	ADJ
fsr-3486	227	80	-	-	ADJ
fsr-3486	227	81	black	black	ADJ
fsr-3486	227	82	non	non	ADJ
fsr-3486	227	83	-	-	ADJ
fsr-3486	227	84	hispanic	hispanic	ADJ
fsr-3486	227	85	22.87	22.87	NUM
fsr-3486	227	86	%	%	NOUN
fsr-3486	227	87	7.67	7.67	NUM
fsr-3486	227	88	%	%	NOUN
fsr-3486	227	89	17.98	17.98	NUM
fsr-3486	227	90	%	%	NOUN
fsr-3486	227	91	51.48	51.48	NUM
fsr-3486	227	92	%	%	NOUN
fsr-3486	227	93	sex	sex	NOUN
fsr-3486	227	94	male	male	NOUN
fsr-3486	227	95	16.95	16.95	NUM
fsr-3486	227	96	%	%	NOUN
fsr-3486	227	97	6.55	6.55	NUM
fsr-3486	227	98	%	%	NOUN
fsr-3486	227	99	18.22	18.22	NUM
fsr-3486	227	100	%	%	NOUN
fsr-3486	227	101	58.28	58.28	NUM
fsr-3486	227	102	%	%	NOUN
fsr-3486	227	103	female	female	ADJ
fsr-3486	227	104	18.90	18.90	NUM
fsr-3486	227	105	%	%	NOUN
fsr-3486	227	106	7.08	7.08	NUM
fsr-3486	227	107	%	%	NOUN
fsr-3486	227	108	16.24	16.24	NUM
fsr-3486	227	109	%	%	NOUN
fsr-3486	227	110	57.78	57.78	NUM
fsr-3486	227	111	%	%	NOUN
fsr-3486	227	112	income	income	NOUN
fsr-3486	227	113	quartiles	quartile	VERB
fsr-3486	227	114	$	$	SYM
fsr-3486	227	115	0	0	NUM
fsr-3486	227	116	to	to	PART
fsr-3486	227	117	$	$	SYM
fsr-3486	227	118	10,000	10,000	NUM
fsr-3486	227	119	13.30	13.30	NUM
fsr-3486	227	120	%	%	NOUN
fsr-3486	227	121	4.72	4.72	NUM
fsr-3486	227	122	%	%	NOUN
fsr-3486	227	123	12.60	12.60	NUM
fsr-3486	227	124	%	%	NOUN
fsr-3486	227	125	69.37	69.37	NUM
fsr-3486	227	126	%	%	NOUN
fsr-3486	227	127	$	$	SYM
fsr-3486	227	128	10,001	10,001	NUM
fsr-3486	227	129	to	to	PART
fsr-3486	227	130	$	$	SYM
fsr-3486	227	131	35,000	35,000	NUM
fsr-3486	227	132	9.93	9.93	NUM
fsr-3486	227	133	%	%	NOUN
fsr-3486	227	134	5.67	5.67	NUM
fsr-3486	227	135	%	%	NOUN
fsr-3486	227	136	14.49	14.49	NUM
fsr-3486	227	137	%	%	NOUN
fsr-3486	227	138	69.91	69.91	NUM
fsr-3486	227	139	%	%	NOUN
fsr-3486	227	140	$	$	SYM
fsr-3486	227	141	35,001	35,001	NUM
fsr-3486	227	142	to	to	PART
fsr-3486	227	143	$	$	SYM
fsr-3486	227	144	64,000	64,000	NUM
fsr-3486	227	145	17.55	17.55	NUM
fsr-3486	227	146	%	%	NOUN
fsr-3486	227	147	8.54	8.54	NUM
fsr-3486	227	148	%	%	NOUN
fsr-3486	227	149	20.29	20.29	NUM
fsr-3486	227	150	%	%	NOUN
fsr-3486	227	151	53.63	53.63	NUM
fsr-3486	227	152	%	%	NOUN
fsr-3486	227	153	$	$	SYM
fsr-3486	227	154	64,001	64,001	NUM
fsr-3486	227	155	and	and	CCONJ
fsr-3486	227	156	above	above	ADP
fsr-3486	227	157	30.96	30.96	NUM
fsr-3486	227	158	%	%	NOUN
fsr-3486	227	159	8.37	8.37	NUM
fsr-3486	227	160	%	%	NOUN
fsr-3486	227	161	21.82	21.82	NUM
fsr-3486	227	162	%	%	NOUN
fsr-3486	227	163	38.86	38.86	NUM
fsr-3486	227	164	%	%	NOUN
fsr-3486	227	165	net	net	ADJ
fsr-3486	227	166	worth	worth	NOUN
fsr-3486	227	167	quartiles	quartile	VERB
fsr-3486	227	168	$	$	SYM
fsr-3486	227	169	0	0	NUM
fsr-3486	227	170	to	to	PART
fsr-3486	227	171	$	$	SYM
fsr-3486	227	172	2,000	2,000	NUM
fsr-3486	227	173	8.11	8.11	NUM
fsr-3486	227	174	%	%	NOUN
fsr-3486	227	175	4.54	4.54	NUM
fsr-3486	227	176	%	%	NOUN
fsr-3486	227	177	13.20	13.20	NUM
fsr-3486	227	178	%	%	NOUN
fsr-3486	227	179	73.82	73.82	NUM
fsr-3486	227	180	%	%	NOUN
fsr-3486	227	181	$	$	SYM
fsr-3486	227	182	2,001	2,001	NUM
fsr-3486	227	183	to	to	PART
fsr-3486	227	184	$	$	SYM
fsr-3486	227	185	67,000	67,000	NUM
fsr-3486	227	186	9.29	9.29	NUM
fsr-3486	227	187	%	%	NOUN
fsr-3486	227	188	5.01	5.01	NUM
fsr-3486	227	189	%	%	NOUN
fsr-3486	227	190	14.95	14.95	NUM
fsr-3486	227	191	%	%	NOUN
fsr-3486	227	192	70.76	70.76	NUM
fsr-3486	227	193	%	%	NOUN
fsr-3486	227	194	$	$	SYM
fsr-3486	227	195	67,001	67,001	NUM
fsr-3486	227	196	to	to	PART
fsr-3486	227	197	$	$	SYM
fsr-3486	227	198	270,750	270,750	NUM
fsr-3486	227	199	17.36	17.36	NUM
fsr-3486	227	200	%	%	NOUN
fsr-3486	227	201	7.72	7.72	NUM
fsr-3486	227	202	%	%	NOUN
fsr-3486	227	203	19.10	19.10	NUM
fsr-3486	227	204	%	%	NOUN
fsr-3486	227	205	55.81	55.81	NUM
fsr-3486	227	206	%	%	NOUN
fsr-3486	227	207	$	$	SYM
fsr-3486	227	208	290,751	290,751	NUM
fsr-3486	227	209	and	and	CCONJ
fsr-3486	227	210	above	above	ADP
fsr-3486	227	211	36.85	36.85	NUM
fsr-3486	227	212	%	%	NOUN
fsr-3486	227	213	9.97	9.97	NUM
fsr-3486	227	214	%	%	NOUN
fsr-3486	227	215	21.50	21.50	NUM
fsr-3486	227	216	%	%	NOUN
fsr-3486	227	217	31.68	31.68	NUM
fsr-3486	227	218	%	%	NOUN
fsr-3486	227	219	education	education	NOUN
fsr-3486	227	220	college	college	NOUN
fsr-3486	227	221	degree	degree	NOUN
fsr-3486	227	222	33.42	33.42	NUM
fsr-3486	227	223	%	%	NOUN
fsr-3486	227	224	10.00	10.00	NUM
fsr-3486	227	225	%	%	NOUN
fsr-3486	227	226	19.16	19.16	NUM
fsr-3486	227	227	%	%	NOUN
fsr-3486	227	228	37.42	37.42	NUM
fsr-3486	227	229	%	%	NOUN
fsr-3486	227	230	less	less	ADJ
fsr-3486	227	231	than	than	ADP
fsr-3486	227	232	college	college	NOUN
fsr-3486	227	233	11.83	11.83	NUM
fsr-3486	227	234	%	%	NOUN
fsr-3486	227	235	5.56	5.56	NUM
fsr-3486	227	236	%	%	NOUN
fsr-3486	227	237	16.52	16.52	NUM
fsr-3486	227	238	%	%	NOUN
fsr-3486	227	239	66.10	66.10	NUM
fsr-3486	227	240	%	%	NOUN
fsr-3486	227	241	age	age	NOUN
fsr-3486	227	242	47–50	47–50	NUM
fsr-3486	227	243	15.05	15.05	NUM
fsr-3486	227	244	%	%	NOUN
fsr-3486	227	245	5.58	5.58	NUM
fsr-3486	227	246	%	%	NOUN
fsr-3486	227	247	15.46	15.46	NUM
fsr-3486	227	248	%	%	NOUN
fsr-3486	227	249	63.91	63.91	NUM
fsr-3486	227	250	%	%	NOUN
fsr-3486	227	251	51–55	51–55	NUM
fsr-3486	227	252	18.21	18.21	NUM
fsr-3486	227	253	%	%	NOUN
fsr-3486	227	254	7.30	7.30	NUM
fsr-3486	227	255	%	%	NOUN
fsr-3486	227	256	17.59	17.59	NUM
fsr-3486	227	257	%	%	NOUN
fsr-3486	227	258	56.90	56.90	NUM
fsr-3486	227	259	%	%	NOUN
fsr-3486	228	1	56	56	NUM
fsr-3486	228	2	+	+	NOUN
fsr-3486	228	3	22.54	22.54	NUM
fsr-3486	228	4	%	%	NOUN
fsr-3486	228	5	6.86	6.86	NUM
fsr-3486	228	6	%	%	NOUN
fsr-3486	228	7	19.48	19.48	NUM
fsr-3486	228	8	%	%	NOUN
fsr-3486	228	9	51.11	51.11	NUM
fsr-3486	228	10	%	%	NOUN
fsr-3486	228	11	marital	marital	ADJ
fsr-3486	228	12	status	status	NOUN
fsr-3486	228	13	married	marry	VERB
fsr-3486	228	14	20.74	20.74	NUM
fsr-3486	228	15	%	%	NOUN
fsr-3486	228	16	7.15	7.15	NUM
fsr-3486	228	17	%	%	NOUN
fsr-3486	228	18	18.36	18.36	NUM
fsr-3486	228	19	%	%	NOUN
fsr-3486	228	20	53.75	53.75	NUM
fsr-3486	228	21	%	%	NOUN
fsr-3486	228	22	not	not	PART
fsr-3486	228	23	married	marry	VERB
fsr-3486	228	24	13.24	13.24	NUM
fsr-3486	228	25	%	%	NOUN
fsr-3486	228	26	6.24	6.24	NUM
fsr-3486	228	27	%	%	NOUN
fsr-3486	228	28	15.45	15.45	NUM
fsr-3486	228	29	%	%	NOUN
fsr-3486	228	30	65.07	65.07	NUM
fsr-3486	228	31	%	%	NOUN
fsr-3486	228	32	l.	l.	PROPN
fsr-3486	228	33	a.	a.	PROPN
fsr-3486	228	34	v.	v.	PROPN
fsr-3486	228	35	augustin	augustin	PROPN
fsr-3486	228	36	and	and	CCONJ
fsr-3486	229	1	t.	t.	PROPN
fsr-3486	229	2	k.	k.	PROPN
fsr-3486	229	3	martin	martin	PROPN
fsr-3486	229	4	/	/	SYM
fsr-3486	229	5	financial	financial	ADJ
fsr-3486	229	6	services	service	NOUN
fsr-3486	229	7	review	review	VERB
fsr-3486	229	8	30	30	NUM
fsr-3486	229	9	(	(	PUNCT
fsr-3486	229	10	2022	2022	NUM
fsr-3486	229	11	)	)	PUNCT
fsr-3486	229	12	205–222	205–222	NUM
fsr-3486	229	13	215	215	NUM
fsr-3486	229	14	as	as	ADP
fsr-3486	229	15	income	income	NOUN
fsr-3486	229	16	increases	increase	NOUN
fsr-3486	229	17	,	,	PUNCT
fsr-3486	229	18	we	we	PRON
fsr-3486	229	19	see	see	VERB
fsr-3486	229	20	an	an	DET
fsr-3486	229	21	increase	increase	NOUN
fsr-3486	229	22	in	in	ADP
fsr-3486	229	23	the	the	DET
fsr-3486	229	24	proportions	proportion	NOUN
fsr-3486	229	25	of	of	ADP
fsr-3486	229	26	individuals	individual	NOUN
fsr-3486	229	27	who	who	PRON
fsr-3486	229	28	use	use	VERB
fsr-3486	229	29	the	the	DET
fsr-3486	229	30	comprehensive	comprehensive	ADJ
fsr-3486	229	31	level	level	NOUN
fsr-3486	229	32	of	of	ADP
fsr-3486	229	33	financial	financial	ADJ
fsr-3486	229	34	planning	planning	NOUN
fsr-3486	229	35	except	except	SCONJ
fsr-3486	229	36	for	for	ADP
fsr-3486	229	37	the	the	DET
fsr-3486	229	38	lowest	low	ADJ
fsr-3486	229	39	quartile	quartile	NOUN
fsr-3486	229	40	of	of	ADP
fsr-3486	229	41	income	income	NOUN
fsr-3486	229	42	.	.	PUNCT
fsr-3486	230	1	as	as	ADP
fsr-3486	230	2	income	income	NOUN
fsr-3486	230	3	increases	increase	NOUN
fsr-3486	230	4	,	,	PUNCT
fsr-3486	230	5	we	we	PRON
fsr-3486	230	6	see	see	VERB
fsr-3486	230	7	a	a	DET
fsr-3486	230	8	reduction	reduction	NOUN
fsr-3486	230	9	in	in	ADP
fsr-3486	230	10	the	the	DET
fsr-3486	230	11	proportion	proportion	NOUN
fsr-3486	230	12	of	of	ADP
fsr-3486	230	13	individuals	individual	NOUN
fsr-3486	230	14	who	who	PRON
fsr-3486	230	15	use	use	VERB
fsr-3486	230	16	the	the	DET
fsr-3486	230	17	no	no	DET
fsr-3486	230	18	plan	plan	NOUN
fsr-3486	230	19	level	level	NOUN
fsr-3486	230	20	of	of	ADP
fsr-3486	230	21	financial	financial	ADJ
fsr-3486	230	22	planning	planning	NOUN
fsr-3486	230	23	.	.	PUNCT
fsr-3486	231	1	about	about	ADV
fsr-3486	231	2	69	69	NUM
fsr-3486	231	3	%	%	NOUN
fsr-3486	231	4	of	of	ADP
fsr-3486	231	5	those	those	PRON
fsr-3486	231	6	in	in	ADP
fsr-3486	231	7	the	the	DET
fsr-3486	231	8	lowest	low	ADJ
fsr-3486	231	9	income	income	NOUN
fsr-3486	231	10	bracket	bracket	NOUN
fsr-3486	231	11	use	use	NOUN
fsr-3486	231	12	the	the	DET
fsr-3486	231	13	no	no	DET
fsr-3486	231	14	plan	plan	NOUN
fsr-3486	231	15	level	level	NOUN
fsr-3486	231	16	of	of	ADP
fsr-3486	231	17	financial	financial	ADJ
fsr-3486	231	18	planning	planning	NOUN
fsr-3486	231	19	,	,	PUNCT
fsr-3486	231	20	compared	compare	VERB
fsr-3486	231	21	with	with	ADP
fsr-3486	231	22	about	about	ADV
fsr-3486	231	23	39	39	NUM
fsr-3486	231	24	%	%	NOUN
fsr-3486	231	25	in	in	ADP
fsr-3486	231	26	the	the	DET
fsr-3486	231	27	highest	high	ADJ
fsr-3486	231	28	income	income	NOUN
fsr-3486	231	29	bracket	bracket	NOUN
fsr-3486	231	30	.	.	PUNCT
fsr-3486	232	1	we	we	PRON
fsr-3486	232	2	see	see	VERB
fsr-3486	232	3	a	a	DET
fsr-3486	232	4	similar	similar	ADJ
fsr-3486	232	5	trend	trend	NOUN
fsr-3486	232	6	with	with	ADP
fsr-3486	232	7	net	net	ADJ
fsr-3486	232	8	worth	worth	NOUN
fsr-3486	232	9	with	with	ADP
fsr-3486	232	10	those	those	PRON
fsr-3486	232	11	in	in	ADP
fsr-3486	232	12	the	the	DET
fsr-3486	232	13	lowest	low	ADJ
fsr-3486	232	14	bracket	bracket	NOUN
fsr-3486	232	15	choose	choose	VERB
fsr-3486	232	16	the	the	DET
fsr-3486	232	17	no	no	DET
fsr-3486	232	18	plan	plan	NOUN
fsr-3486	232	19	level	level	NOUN
fsr-3486	232	20	of	of	ADP
fsr-3486	232	21	financial	financial	ADJ
fsr-3486	232	22	planning	planning	NOUN
fsr-3486	232	23	.	.	PUNCT
fsr-3486	233	1	as	as	ADP
fsr-3486	233	2	net	net	ADJ
fsr-3486	233	3	worth	worth	ADJ
fsr-3486	233	4	increases	increase	NOUN
fsr-3486	233	5	,	,	PUNCT
fsr-3486	233	6	we	we	PRON
fsr-3486	233	7	see	see	VERB
fsr-3486	233	8	a	a	DET
fsr-3486	233	9	significant	significant	ADJ
fsr-3486	233	10	drop	drop	NOUN
fsr-3486	233	11	in	in	ADP
fsr-3486	233	12	the	the	DET
fsr-3486	233	13	proportion	proportion	NOUN
fsr-3486	233	14	of	of	ADP
fsr-3486	233	15	the	the	DET
fsr-3486	233	16	sample	sample	NOUN
fsr-3486	233	17	that	that	PRON
fsr-3486	233	18	use	use	VERB
fsr-3486	233	19	the	the	DET
fsr-3486	233	20	no	no	DET
fsr-3486	233	21	plan	plan	NOUN
fsr-3486	233	22	level	level	NOUN
fsr-3486	233	23	of	of	ADP
fsr-3486	233	24	financial	financial	ADJ
fsr-3486	233	25	planning	planning	NOUN
fsr-3486	233	26	.	.	PUNCT
fsr-3486	234	1	about	about	ADV
fsr-3486	234	2	74	74	NUM
fsr-3486	234	3	%	%	NOUN
fsr-3486	234	4	of	of	ADP
fsr-3486	234	5	those	those	PRON
fsr-3486	234	6	in	in	ADP
fsr-3486	234	7	the	the	DET
fsr-3486	234	8	lowest	low	ADJ
fsr-3486	234	9	wealth	wealth	NOUN
fsr-3486	234	10	bracket	bracket	NOUN
fsr-3486	234	11	use	use	VERB
fsr-3486	234	12	the	the	DET
fsr-3486	234	13	no	no	DET
fsr-3486	234	14	plan	plan	NOUN
fsr-3486	234	15	level	level	NOUN
fsr-3486	234	16	of	of	ADP
fsr-3486	234	17	financial	financial	ADJ
fsr-3486	234	18	planning	planning	NOUN
fsr-3486	234	19	,	,	PUNCT
fsr-3486	234	20	while	while	SCONJ
fsr-3486	234	21	about	about	ADV
fsr-3486	234	22	32	32	NUM
fsr-3486	234	23	%	%	NOUN
fsr-3486	234	24	of	of	ADP
fsr-3486	234	25	those	those	PRON
fsr-3486	234	26	in	in	ADP
fsr-3486	234	27	the	the	DET
fsr-3486	234	28	highest	high	ADJ
fsr-3486	234	29	wealth	wealth	NOUN
fsr-3486	234	30	bracket	bracket	NOUN
fsr-3486	234	31	do	do	VERB
fsr-3486	234	32	so	so	ADV
fsr-3486	234	33	.	.	PUNCT
fsr-3486	235	1	of	of	ADP
fsr-3486	235	2	individuals	individual	NOUN
fsr-3486	235	3	with	with	ADP
fsr-3486	235	4	a	a	DET
fsr-3486	235	5	college	college	NOUN
fsr-3486	235	6	degree	degree	NOUN
fsr-3486	235	7	,	,	PUNCT
fsr-3486	235	8	about	about	ADV
fsr-3486	235	9	33	33	NUM
fsr-3486	235	10	%	%	NOUN
fsr-3486	235	11	use	use	VERB
fsr-3486	235	12	the	the	DET
fsr-3486	235	13	comprehensive	comprehensive	ADJ
fsr-3486	235	14	level	level	NOUN
fsr-3486	235	15	of	of	ADP
fsr-3486	235	16	financial	financial	ADJ
fsr-3486	235	17	planning	planning	NOUN
fsr-3486	235	18	,	,	PUNCT
fsr-3486	235	19	while	while	SCONJ
fsr-3486	235	20	about	about	ADV
fsr-3486	235	21	37	37	NUM
fsr-3486	235	22	%	%	NOUN
fsr-3486	235	23	use	use	NOUN
fsr-3486	235	24	no	no	DET
fsr-3486	235	25	plan	plan	NOUN
fsr-3486	235	26	.	.	PUNCT
fsr-3486	236	1	as	as	SCONJ
fsr-3486	236	2	age	age	NOUN
fsr-3486	236	3	increased	increase	VERB
fsr-3486	236	4	the	the	DET
fsr-3486	236	5	proportion	proportion	NOUN
fsr-3486	236	6	of	of	ADP
fsr-3486	236	7	individuals	individual	NOUN
fsr-3486	236	8	who	who	PRON
fsr-3486	236	9	use	use	VERB
fsr-3486	236	10	the	the	DET
fsr-3486	236	11	comprehensive	comprehensive	ADJ
fsr-3486	236	12	level	level	NOUN
fsr-3486	236	13	of	of	ADP
fsr-3486	236	14	financial	financial	ADJ
fsr-3486	236	15	planning	planning	NOUN
fsr-3486	236	16	increases	increase	NOUN
fsr-3486	236	17	.	.	PUNCT
fsr-3486	237	1	about	about	ADV
fsr-3486	237	2	64	64	NUM
fsr-3486	237	3	%	%	NOUN
fsr-3486	237	4	of	of	ADP
fsr-3486	237	5	individuals	individual	NOUN
fsr-3486	237	6	aged	age	VERB
fsr-3486	237	7	47	47	NUM
fsr-3486	237	8	-	-	SYM
fsr-3486	237	9	50	50	NUM
fsr-3486	237	10	use	use	NOUN
fsr-3486	237	11	no	no	DET
fsr-3486	237	12	plan	plan	NOUN
fsr-3486	237	13	and	and	CCONJ
fsr-3486	237	14	this	this	PRON
fsr-3486	237	15	falls	fall	VERB
fsr-3486	237	16	to	to	ADP
fsr-3486	237	17	about	about	ADP
fsr-3486	237	18	51	51	NUM
fsr-3486	237	19	%	%	NOUN
fsr-3486	237	20	around	around	ADP
fsr-3486	237	21	age	age	NOUN
fsr-3486	237	22	65	65	NUM
fsr-3486	238	1	+	+	NOUN
fsr-3486	238	2	.	.	PUNCT
fsr-3486	239	1	about	about	ADV
fsr-3486	239	2	21	21	NUM
fsr-3486	239	3	%	%	NOUN
fsr-3486	239	4	of	of	ADP
fsr-3486	239	5	individuals	individual	NOUN
fsr-3486	239	6	use	use	VERB
fsr-3486	239	7	the	the	DET
fsr-3486	239	8	comprehensive	comprehensive	ADJ
fsr-3486	239	9	level	level	NOUN
fsr-3486	239	10	of	of	ADP
fsr-3486	239	11	financial	financial	ADJ
fsr-3486	239	12	planning	planning	NOUN
fsr-3486	239	13	compared	compare	VERB
fsr-3486	239	14	with	with	ADP
fsr-3486	239	15	about	about	ADV
fsr-3486	239	16	13	13	NUM
fsr-3486	239	17	%	%	NOUN
fsr-3486	239	18	of	of	ADP
fsr-3486	239	19	individuals	individual	NOUN
fsr-3486	239	20	who	who	PRON
fsr-3486	239	21	are	be	AUX
fsr-3486	239	22	not	not	PART
fsr-3486	239	23	married	married	ADJ
fsr-3486	239	24	.	.	PUNCT
fsr-3486	240	1	about	about	ADV
fsr-3486	240	2	54	54	NUM
fsr-3486	240	3	%	%	NOUN
fsr-3486	240	4	of	of	ADP
fsr-3486	240	5	those	those	PRON
fsr-3486	240	6	who	who	PRON
fsr-3486	240	7	are	be	AUX
fsr-3486	240	8	married	married	ADJ
fsr-3486	240	9	use	use	NOUN
fsr-3486	240	10	no	no	DET
fsr-3486	240	11	plan	plan	NOUN
fsr-3486	240	12	,	,	PUNCT
fsr-3486	240	13	compared	compare	VERB
fsr-3486	240	14	with	with	ADP
fsr-3486	240	15	about	about	ADV
fsr-3486	240	16	65	65	NUM
fsr-3486	240	17	%	%	NOUN
fsr-3486	240	18	who	who	PRON
fsr-3486	240	19	are	be	AUX
fsr-3486	240	20	not	not	PART
fsr-3486	240	21	married	married	ADJ
fsr-3486	240	22	.	.	PUNCT
fsr-3486	241	1	table	table	NOUN
fsr-3486	241	2	3	3	NUM
fsr-3486	241	3	shows	show	VERB
fsr-3486	241	4	the	the	DET
fsr-3486	241	5	summary	summary	NOUN
fsr-3486	241	6	statistics	statistic	NOUN
fsr-3486	241	7	of	of	ADP
fsr-3486	241	8	the	the	DET
fsr-3486	241	9	three	three	NUM
fsr-3486	241	10	financial	financial	ADJ
fsr-3486	241	11	literacy	literacy	NOUN
fsr-3486	241	12	questions	question	NOUN
fsr-3486	241	13	.	.	PUNCT
fsr-3486	242	1	although	although	SCONJ
fsr-3486	242	2	about	about	ADV
fsr-3486	242	3	75	75	NUM
fsr-3486	242	4	%	%	NOUN
fsr-3486	242	5	of	of	ADP
fsr-3486	242	6	the	the	DET
fsr-3486	242	7	full	full	ADJ
fsr-3486	242	8	sample	sample	NOUN
fsr-3486	242	9	got	get	VERB
fsr-3486	242	10	the	the	DET
fsr-3486	242	11	interest	interest	NOUN
fsr-3486	242	12	question	question	NOUN
fsr-3486	242	13	correct	correct	ADJ
fsr-3486	242	14	,	,	PUNCT
fsr-3486	242	15	only	only	ADV
fsr-3486	242	16	about	about	ADV
fsr-3486	242	17	33	33	NUM
fsr-3486	242	18	%	%	NOUN
fsr-3486	242	19	of	of	ADP
fsr-3486	242	20	individuals	individual	NOUN
fsr-3486	242	21	with	with	ADP
fsr-3486	242	22	low	low	ADJ
fsr-3486	242	23	financial	financial	ADJ
fsr-3486	242	24	literacy	literacy	NOUN
fsr-3486	242	25	and	and	CCONJ
fsr-3486	242	26	about	about	ADV
fsr-3486	242	27	57	57	NUM
fsr-3486	242	28	%	%	NOUN
fsr-3486	242	29	with	with	ADP
fsr-3486	242	30	moderate	moderate	ADJ
fsr-3486	242	31	literacy	literacy	NOUN
fsr-3486	242	32	got	get	VERB
fsr-3486	242	33	it	it	PRON
fsr-3486	242	34	correct	correct	ADJ
fsr-3486	242	35	.	.	PUNCT
fsr-3486	243	1	about	about	ADV
fsr-3486	243	2	82	82	NUM
fsr-3486	243	3	%	%	NOUN
fsr-3486	243	4	of	of	ADP
fsr-3486	243	5	the	the	DET
fsr-3486	243	6	full	full	ADJ
fsr-3486	243	7	sample	sample	NOUN
fsr-3486	243	8	got	get	VERB
fsr-3486	243	9	the	the	DET
fsr-3486	243	10	inflation	inflation	NOUN
fsr-3486	243	11	question	question	NOUN
fsr-3486	243	12	correct	correct	ADJ
fsr-3486	243	13	.	.	PUNCT
fsr-3486	244	1	about	about	ADV
fsr-3486	244	2	36	36	NUM
fsr-3486	244	3	%	%	NOUN
fsr-3486	244	4	of	of	ADP
fsr-3486	244	5	those	those	PRON
fsr-3486	244	6	with	with	ADP
fsr-3486	244	7	low	low	ADJ
fsr-3486	244	8	literacy	literacy	NOUN
fsr-3486	244	9	and	and	CCONJ
fsr-3486	244	10	about	about	ADV
fsr-3486	244	11	76	76	NUM
fsr-3486	244	12	%	%	NOUN
fsr-3486	244	13	of	of	ADP
fsr-3486	244	14	those	those	PRON
fsr-3486	244	15	with	with	ADP
fsr-3486	244	16	moderate	moderate	ADJ
fsr-3486	244	17	literacy	literacy	NOUN
fsr-3486	244	18	were	be	AUX
fsr-3486	244	19	able	able	ADJ
fsr-3486	244	20	to	to	PART
fsr-3486	244	21	answer	answer	VERB
fsr-3486	244	22	correctly	correctly	ADV
fsr-3486	244	23	.	.	PUNCT
fsr-3486	245	1	the	the	DET
fsr-3486	245	2	risk	risk	NOUN
fsr-3486	245	3	question	question	NOUN
fsr-3486	245	4	seemed	seem	VERB
fsr-3486	245	5	to	to	PART
fsr-3486	245	6	be	be	AUX
fsr-3486	245	7	the	the	DET
fsr-3486	245	8	most	most	ADV
fsr-3486	245	9	difficult	difficult	ADJ
fsr-3486	245	10	of	of	ADP
fsr-3486	245	11	the	the	DET
fsr-3486	245	12	three	three	NUM
fsr-3486	245	13	to	to	PART
fsr-3486	245	14	get	get	VERB
fsr-3486	245	15	correct	correct	ADJ
fsr-3486	245	16	.	.	PUNCT
fsr-3486	246	1	only	only	ADV
fsr-3486	246	2	about	about	ADV
fsr-3486	246	3	23	23	NUM
fsr-3486	246	4	%	%	NOUN
fsr-3486	246	5	of	of	ADP
fsr-3486	246	6	the	the	DET
fsr-3486	246	7	full	full	ADJ
fsr-3486	246	8	sample	sample	NOUN
fsr-3486	246	9	got	get	VERB
fsr-3486	246	10	this	this	DET
fsr-3486	246	11	question	question	NOUN
fsr-3486	246	12	correct	correct	ADJ
fsr-3486	246	13	,	,	PUNCT
fsr-3486	246	14	compared	compare	VERB
fsr-3486	246	15	with	with	ADP
fsr-3486	246	16	about	about	ADV
fsr-3486	246	17	82	82	NUM
fsr-3486	246	18	%	%	NOUN
fsr-3486	246	19	who	who	PRON
fsr-3486	246	20	got	get	VERB
fsr-3486	246	21	the	the	DET
fsr-3486	246	22	interest	interest	NOUN
fsr-3486	246	23	question	question	NOUN
fsr-3486	246	24	correct	correct	ADJ
fsr-3486	246	25	and	and	CCONJ
fsr-3486	246	26	about	about	ADV
fsr-3486	246	27	75	75	NUM
fsr-3486	246	28	%	%	NOUN
fsr-3486	246	29	who	who	PRON
fsr-3486	246	30	got	get	VERB
fsr-3486	246	31	the	the	DET
fsr-3486	246	32	interest	interest	NOUN
fsr-3486	246	33	question	question	NOUN
fsr-3486	246	34	correct	correct	ADJ
fsr-3486	246	35	.	.	PUNCT
fsr-3486	247	1	9.2	9.2	NUM
fsr-3486	247	2	.	.	PUNCT
fsr-3486	248	1	multivariate	multivariate	NOUN
fsr-3486	248	2	analysis	analysis	NOUN
fsr-3486	248	3	table	table	NOUN
fsr-3486	248	4	4	4	NUM
fsr-3486	248	5	shows	show	VERB
fsr-3486	248	6	the	the	DET
fsr-3486	248	7	marginal	marginal	ADJ
fsr-3486	248	8	effects	effect	NOUN
fsr-3486	248	9	of	of	ADP
fsr-3486	248	10	the	the	DET
fsr-3486	248	11	multinomial	multinomial	ADJ
fsr-3486	248	12	probit	probit	NOUN
fsr-3486	248	13	regression	regression	NOUN
fsr-3486	248	14	of	of	ADP
fsr-3486	248	15	the	the	DET
fsr-3486	248	16	independent	independent	ADJ
fsr-3486	248	17	variables	variable	NOUN
fsr-3486	248	18	on	on	ADP
fsr-3486	248	19	the	the	DET
fsr-3486	248	20	level	level	NOUN
fsr-3486	248	21	of	of	ADP
fsr-3486	248	22	financial	financial	ADJ
fsr-3486	248	23	planning	planning	NOUN
fsr-3486	248	24	.	.	PUNCT
fsr-3486	249	1	each	each	DET
fsr-3486	249	2	marginal	marginal	ADJ
fsr-3486	249	3	effect	effect	NOUN
fsr-3486	249	4	estimates	estimate	VERB
fsr-3486	249	5	the	the	DET
fsr-3486	249	6	table	table	NOUN
fsr-3486	249	7	3	3	NUM
fsr-3486	249	8	summary	summary	NOUN
fsr-3486	249	9	statistics	statistic	NOUN
fsr-3486	249	10	for	for	ADP
fsr-3486	249	11	three	three	NUM
fsr-3486	249	12	financial	financial	ADJ
fsr-3486	249	13	literacy	literacy	NOUN
fsr-3486	249	14	questions	question	NOUN
fsr-3486	249	15	(	(	PUNCT
fsr-3486	249	16	n	n	NOUN
fsr-3486	249	17	=	=	SYM
fsr-3486	249	18	9,432	9,432	NUM
fsr-3486	249	19	)	)	PUNCT
fsr-3486	249	20	full	full	ADJ
fsr-3486	249	21	sample	sample	NOUN
fsr-3486	249	22	low	low	ADJ
fsr-3486	249	23	literacy	literacy	NOUN
fsr-3486	249	24	moderate	moderate	ADJ
fsr-3486	249	25	literacy	literacy	NOUN
fsr-3486	249	26	high	high	ADJ
fsr-3486	249	27	literacy	literacy	NOUN
fsr-3486	249	28	interest	interest	NOUN
fsr-3486	249	29	more	more	ADJ
fsr-3486	249	30	than	than	ADP
fsr-3486	249	31	$	$	SYM
fsr-3486	249	32	102	102	NUM
fsr-3486	249	33	(	(	PUNCT
fsr-3486	249	34	correct	correct	ADJ
fsr-3486	249	35	response	response	NOUN
fsr-3486	249	36	)	)	PUNCT
fsr-3486	249	37	75.08	75.08	NUM
fsr-3486	249	38	%	%	NOUN
fsr-3486	249	39	33.28	33.28	NUM
fsr-3486	249	40	%	%	NOUN
fsr-3486	249	41	56.77	56.77	NUM
fsr-3486	249	42	%	%	NOUN
fsr-3486	249	43	100.00	100.00	NUM
fsr-3486	249	44	%	%	NOUN
fsr-3486	249	45	exactly	exactly	ADV
fsr-3486	249	46	$	$	SYM
fsr-3486	249	47	102	102	NUM
fsr-3486	249	48	14.40	14.40	NUM
fsr-3486	249	49	%	%	NOUN
fsr-3486	249	50	39.62	39.62	NUM
fsr-3486	249	51	%	%	NOUN
fsr-3486	249	52	24.55	24.55	NUM
fsr-3486	249	53	%	%	NOUN
fsr-3486	249	54	0.00	0.00	NUM
fsr-3486	249	55	%	%	NOUN
fsr-3486	249	56	less	less	ADJ
fsr-3486	249	57	than	than	ADP
fsr-3486	249	58	$	$	SYM
fsr-3486	249	59	102	102	NUM
fsr-3486	249	60	10.52	10.52	NUM
fsr-3486	249	61	%	%	NOUN
fsr-3486	249	62	27.10	27.10	NUM
fsr-3486	249	63	%	%	NOUN
fsr-3486	249	64	18.68	18.68	NUM
fsr-3486	249	65	%	%	NOUN
fsr-3486	249	66	0.00	0.00	NUM
fsr-3486	249	67	%	%	NOUN
fsr-3486	249	68	inflation	inflation	NOUN
fsr-3486	249	69	more	more	ADJ
fsr-3486	249	70	than	than	ADP
fsr-3486	249	71	today	today	NOUN
fsr-3486	249	72	8.02	8.02	NUM
fsr-3486	249	73	%	%	NOUN
fsr-3486	249	74	28.13	28.13	NUM
fsr-3486	249	75	%	%	NOUN
fsr-3486	249	76	11.20	11.20	NUM
fsr-3486	249	77	%	%	NOUN
fsr-3486	249	78	0.00	0.00	NUM
fsr-3486	249	79	%	%	NOUN
fsr-3486	249	80	exactly	exactly	ADV
fsr-3486	249	81	the	the	DET
fsr-3486	249	82	same	same	ADJ
fsr-3486	249	83	9.78	9.78	NUM
fsr-3486	249	84	%	%	NOUN
fsr-3486	249	85	35.94	35.94	NUM
fsr-3486	249	86	%	%	NOUN
fsr-3486	249	87	12.99	12.99	NUM
fsr-3486	249	88	%	%	NOUN
fsr-3486	249	89	0.00	0.00	NUM
fsr-3486	249	90	%	%	NOUN
fsr-3486	249	91	less	less	ADJ
fsr-3486	249	92	than	than	ADP
fsr-3486	249	93	today	today	NOUN
fsr-3486	249	94	(	(	PUNCT
fsr-3486	249	95	correct	correct	ADJ
fsr-3486	249	96	response	response	NOUN
fsr-3486	249	97	)	)	PUNCT
fsr-3486	249	98	82.21	82.21	NUM
fsr-3486	249	99	%	%	NOUN
fsr-3486	249	100	35.94	35.94	NUM
fsr-3486	249	101	%	%	NOUN
fsr-3486	249	102	75.81	75.81	NUM
fsr-3486	249	103	%	%	NOUN
fsr-3486	249	104	100.00	100.00	NUM
fsr-3486	249	105	%	%	NOUN
fsr-3486	249	106	risk	risk	NOUN
fsr-3486	249	107	true	true	ADJ
fsr-3486	249	108	77.18	77.18	NUM
fsr-3486	249	109	%	%	NOUN
fsr-3486	249	110	21.65	21.65	NUM
fsr-3486	249	111	%	%	NOUN
fsr-3486	249	112	67.43	67.43	NUM
fsr-3486	249	113	%	%	NOUN
fsr-3486	249	114	0.00	0.00	NUM
fsr-3486	249	115	%	%	NOUN
fsr-3486	249	116	false	false	ADJ
fsr-3486	249	117	(	(	PUNCT
fsr-3486	249	118	correct	correct	ADJ
fsr-3486	249	119	response	response	NOUN
fsr-3486	249	120	)	)	PUNCT
fsr-3486	249	121	22.82	22.82	NUM
fsr-3486	249	122	%	%	NOUN
fsr-3486	249	123	78.35	78.35	NUM
fsr-3486	249	124	%	%	NOUN
fsr-3486	249	125	32.57	32.57	NUM
fsr-3486	249	126	%	%	NOUN
fsr-3486	249	127	100.00	100.00	NUM
fsr-3486	249	128	%	%	NOUN
fsr-3486	249	129	216	216	NUM
fsr-3486	249	130	l.	l.	PROPN
fsr-3486	249	131	a.	a.	PROPN
fsr-3486	249	132	v.	v.	PROPN
fsr-3486	249	133	augustin	augustin	PROPN
fsr-3486	249	134	and	and	CCONJ
fsr-3486	249	135	t.	t.	PROPN
fsr-3486	249	136	k.	k.	PROPN
fsr-3486	249	137	martin	martin	PROPN
fsr-3486	249	138	/	/	SYM
fsr-3486	249	139	financial	financial	ADJ
fsr-3486	249	140	services	service	NOUN
fsr-3486	249	141	review	review	VERB
fsr-3486	249	142	30	30	NUM
fsr-3486	249	143	(	(	PUNCT
fsr-3486	249	144	2022	2022	NUM
fsr-3486	249	145	)	)	PUNCT
fsr-3486	249	146	205–222	205–222	NUM
fsr-3486	249	147	table	table	NOUN
fsr-3486	249	148	4	4	NUM
fsr-3486	249	149	marginal	marginal	ADJ
fsr-3486	249	150	effects	effect	NOUN
fsr-3486	249	151	of	of	ADP
fsr-3486	249	152	independent	independent	ADJ
fsr-3486	249	153	variables	variable	NOUN
fsr-3486	249	154	on	on	ADP
fsr-3486	249	155	the	the	DET
fsr-3486	249	156	level	level	NOUN
fsr-3486	249	157	of	of	ADP
fsr-3486	249	158	financial	financial	ADJ
fsr-3486	249	159	planning	planning	NOUN
fsr-3486	249	160	(	(	PUNCT
fsr-3486	249	161	n	n	NOUN
fsr-3486	249	162	=	=	SYM
fsr-3486	249	163	9,432	9,432	NUM
fsr-3486	249	164	)	)	PUNCT
fsr-3486	249	165	group	group	NOUN
fsr-3486	249	166	marginal	marginal	ADJ
fsr-3486	249	167	effect	effect	NOUN
fsr-3486	249	168	standard	standard	ADJ
fsr-3486	249	169	error	error	NOUN
fsr-3486	249	170	significance	significance	NOUN
fsr-3486	249	171	comprehensive	comprehensive	ADJ
fsr-3486	249	172	literacy	literacy	NOUN
fsr-3486	249	173	(	(	PUNCT
fsr-3486	249	174	none	none	NOUN
fsr-3486	249	175	)	)	PUNCT
fsr-3486	250	1	moderate	moderate	ADJ
fsr-3486	250	2	0.0253	0.0253	NUM
fsr-3486	250	3	(	(	PUNCT
fsr-3486	250	4	0.0344	0.0344	NUM
fsr-3486	250	5	)	)	PUNCT
fsr-3486	250	6	high	high	ADJ
fsr-3486	250	7	0.0697	0.0697	NUM
fsr-3486	250	8	(	(	PUNCT
fsr-3486	250	9	0.0346	0.0346	NUM
fsr-3486	250	10	)	)	PUNCT
fsr-3486	250	11	*	*	PUNCT
fsr-3486	250	12	*	*	PUNCT
fsr-3486	250	13	race	race	NOUN
fsr-3486	250	14	/	/	SYM
fsr-3486	250	15	ethnicity	ethnicity	NOUN
fsr-3486	250	16	(	(	PUNCT
fsr-3486	250	17	hispanic	hispanic	ADJ
fsr-3486	250	18	)	)	PUNCT
fsr-3486	250	19	black	black	ADJ
fsr-3486	250	20	0.0156	0.0156	NUM
fsr-3486	250	21	(	(	PUNCT
fsr-3486	250	22	0.0116	0.0116	NUM
fsr-3486	250	23	)	)	PUNCT
fsr-3486	250	24	non	non	ADJ
fsr-3486	250	25	-	-	ADJ
fsr-3486	250	26	black	black	ADJ
fsr-3486	250	27	non	non	ADJ
fsr-3486	250	28	-	-	ADJ
fsr-3486	250	29	hispanic	hispanic	ADJ
fsr-3486	250	30	0.0204	0.0204	NUM
fsr-3486	250	31	(	(	PUNCT
fsr-3486	250	32	0.0104	0.0104	NUM
fsr-3486	250	33	)	)	PUNCT
fsr-3486	250	34	*	*	PUNCT
fsr-3486	251	1	*	*	PUNCT
fsr-3486	251	2	gender	gender	NOUN
fsr-3486	251	3	(	(	PUNCT
fsr-3486	251	4	male	male	NOUN
fsr-3486	251	5	)	)	PUNCT
fsr-3486	251	6	female	female	NOUN
fsr-3486	251	7	0.0405	0.0405	NUM
fsr-3486	251	8	(	(	PUNCT
fsr-3486	251	9	0.0078	0.0078	NUM
fsr-3486	251	10	)	)	PUNCT
fsr-3486	251	11	*	*	PUNCT
fsr-3486	252	1	*	*	PUNCT
fsr-3486	252	2	*	*	PUNCT
fsr-3486	252	3	income	income	NOUN
fsr-3486	252	4	quartile	quartile	NOUN
fsr-3486	252	5	(	(	PUNCT
fsr-3486	252	6	1st	1st	ADJ
fsr-3486	252	7	)	)	PUNCT
fsr-3486	252	8	2	2	NUM
fsr-3486	252	9	�	�	PROPN
fsr-3486	252	10	0.0329	0.0329	NUM
fsr-3486	252	11	(	(	PUNCT
fsr-3486	252	12	0.0107	0.0107	NUM
fsr-3486	252	13	)	)	PUNCT
fsr-3486	252	14	*	*	PUNCT
fsr-3486	253	1	*	*	PUNCT
fsr-3486	253	2	*	*	PUNCT
fsr-3486	253	3	3	3	NUM
fsr-3486	253	4	0.0108	0.0108	NUM
fsr-3486	253	5	(	(	PUNCT
fsr-3486	253	6	0.0111	0.0111	NUM
fsr-3486	253	7	)	)	PUNCT
fsr-3486	253	8	4	4	NUM
fsr-3486	253	9	0.0448	0.0448	NUM
fsr-3486	253	10	(	(	PUNCT
fsr-3486	253	11	0.0122	0.0122	NUM
fsr-3486	253	12	)	)	PUNCT
fsr-3486	253	13	*	*	PUNCT
fsr-3486	254	1	*	*	PUNCT
fsr-3486	254	2	*	*	PUNCT
fsr-3486	254	3	net	net	ADJ
fsr-3486	254	4	worth	worth	ADJ
fsr-3486	254	5	quartile	quartile	NOUN
fsr-3486	254	6	(	(	PUNCT
fsr-3486	254	7	1st	1st	ADJ
fsr-3486	254	8	)	)	PUNCT
fsr-3486	254	9	2	2	NUM
fsr-3486	254	10	0.0130	0.0130	NUM
fsr-3486	254	11	(	(	PUNCT
fsr-3486	254	12	0.0095	0.0095	NUM
fsr-3486	254	13	)	)	PUNCT
fsr-3486	254	14	3	3	NUM
fsr-3486	254	15	0.0709	0.0709	NUM
fsr-3486	254	16	(	(	PUNCT
fsr-3486	254	17	0.0106	0.0106	NUM
fsr-3486	254	18	)	)	PUNCT
fsr-3486	254	19	*	*	PUNCT
fsr-3486	255	1	*	*	PUNCT
fsr-3486	255	2	*	*	PUNCT
fsr-3486	255	3	4	4	NUM
fsr-3486	255	4	0.1925	0.1925	NUM
fsr-3486	255	5	(	(	PUNCT
fsr-3486	255	6	0.0133	0.0133	NUM
fsr-3486	255	7	)	)	PUNCT
fsr-3486	255	8	*	*	PUNCT
fsr-3486	256	1	*	*	PUNCT
fsr-3486	256	2	*	*	PUNCT
fsr-3486	256	3	education	education	NOUN
fsr-3486	256	4	(	(	PUNCT
fsr-3486	256	5	no	no	DET
fsr-3486	256	6	degree	degree	NOUN
fsr-3486	256	7	)	)	PUNCT
fsr-3486	256	8	college	college	NOUN
fsr-3486	256	9	degree	degree	NOUN
fsr-3486	256	10	0.1038	0.1038	NUM
fsr-3486	256	11	(	(	PUNCT
fsr-3486	256	12	0.0098	0.0098	NUM
fsr-3486	256	13	)	)	PUNCT
fsr-3486	257	1	*	*	PUNCT
fsr-3486	257	2	*	*	PUNCT
fsr-3486	257	3	*	*	VERB
fsr-3486	257	4	age	age	NOUN
fsr-3486	257	5	(	(	PUNCT
fsr-3486	257	6	47–50	47–50	NUM
fsr-3486	257	7	)	)	PUNCT
fsr-3486	257	8	51–55	51–55	NUM
fsr-3486	257	9	0.0288	0.0288	NUM
fsr-3486	257	10	(	(	PUNCT
fsr-3486	257	11	0.0083	0.0083	NUM
fsr-3486	257	12	)	)	PUNCT
fsr-3486	257	13	*	*	PUNCT
fsr-3486	258	1	*	*	PUNCT
fsr-3486	258	2	*	*	PUNCT
fsr-3486	259	1	56	56	NUM
fsr-3486	259	2	+	+	NUM
fsr-3486	259	3	0.0710	0.0710	NUM
fsr-3486	259	4	(	(	PUNCT
fsr-3486	259	5	0.0136	0.0136	NUM
fsr-3486	259	6	)	)	PUNCT
fsr-3486	259	7	*	*	PUNCT
fsr-3486	259	8	*	*	PUNCT
fsr-3486	259	9	*	*	X
fsr-3486	259	10	status	status	NOUN
fsr-3486	259	11	(	(	PUNCT
fsr-3486	259	12	not	not	PART
fsr-3486	259	13	married	married	ADJ
fsr-3486	259	14	)	)	PUNCT
fsr-3486	259	15	married	marry	VERB
fsr-3486	259	16	0.0000	0.0000	NUM
fsr-3486	259	17	(	(	PUNCT
fsr-3486	259	18	0.0083	0.0083	NUM
fsr-3486	259	19	)	)	PUNCT
fsr-3486	259	20	plan	plan	NOUN
fsr-3486	259	21	only	only	ADV
fsr-3486	259	22	literacy	literacy	NOUN
fsr-3486	259	23	(	(	PUNCT
fsr-3486	259	24	none	none	NOUN
fsr-3486	259	25	)	)	PUNCT
fsr-3486	259	26	moderate	moderate	ADJ
fsr-3486	259	27	0.0084	0.0084	NUM
fsr-3486	259	28	(	(	PUNCT
fsr-3486	259	29	0.0238	0.0238	NUM
fsr-3486	259	30	)	)	PUNCT
fsr-3486	259	31	high	high	ADJ
fsr-3486	259	32	0.0136	0.0136	NUM
fsr-3486	259	33	(	(	PUNCT
fsr-3486	259	34	0.0239	0.0239	NUM
fsr-3486	259	35	)	)	PUNCT
fsr-3486	259	36	race	race	NOUN
fsr-3486	259	37	/	/	SYM
fsr-3486	259	38	ethnicity	ethnicity	NOUN
fsr-3486	259	39	(	(	PUNCT
fsr-3486	259	40	hispanic	hispanic	ADJ
fsr-3486	259	41	)	)	PUNCT
fsr-3486	259	42	black	black	ADJ
fsr-3486	259	43	0.0058	0.0058	NUM
fsr-3486	259	44	(	(	PUNCT
fsr-3486	259	45	0.0081	0.0081	NUM
fsr-3486	259	46	)	)	PUNCT
fsr-3486	259	47	non	non	ADJ
fsr-3486	259	48	-	-	ADJ
fsr-3486	259	49	black	black	ADJ
fsr-3486	259	50	non	non	ADJ
fsr-3486	259	51	-	-	ADJ
fsr-3486	259	52	hispanic	hispanic	ADJ
fsr-3486	259	53	0.0024	0.0024	NUM
fsr-3486	259	54	(	(	PUNCT
fsr-3486	259	55	0.0073	0.0073	NUM
fsr-3486	259	56	)	)	PUNCT
fsr-3486	259	57	gender	gender	NOUN
fsr-3486	259	58	(	(	PUNCT
fsr-3486	259	59	male	male	NOUN
fsr-3486	259	60	)	)	PUNCT
fsr-3486	259	61	female	female	NOUN
fsr-3486	259	62	0.0069	0.0069	NUM
fsr-3486	259	63	(	(	PUNCT
fsr-3486	259	64	0.0054	0.0054	NUM
fsr-3486	259	65	)	)	PUNCT
fsr-3486	259	66	income	income	NOUN
fsr-3486	259	67	quartile	quartile	NOUN
fsr-3486	259	68	(	(	PUNCT
fsr-3486	259	69	1st	1st	ADJ
fsr-3486	259	70	)	)	PUNCT
fsr-3486	259	71	2	2	NUM
fsr-3486	259	72	0.0104	0.0104	NUM
fsr-3486	259	73	(	(	PUNCT
fsr-3486	259	74	0.0074	0.0074	NUM
fsr-3486	259	75	)	)	PUNCT
fsr-3486	259	76	3	3	NUM
fsr-3486	259	77	0.0280	0.0280	NUM
fsr-3486	259	78	(	(	PUNCT
fsr-3486	259	79	0.0078	0.0078	NUM
fsr-3486	259	80	)	)	PUNCT
fsr-3486	259	81	*	*	PUNCT
fsr-3486	260	1	*	*	PUNCT
fsr-3486	260	2	*	*	PUNCT
fsr-3486	260	3	4	4	NUM
fsr-3486	260	4	0.0107	0.0107	NUM
fsr-3486	260	5	(	(	PUNCT
fsr-3486	260	6	0.0079	0.0079	NUM
fsr-3486	260	7	)	)	PUNCT
fsr-3486	260	8	net	net	ADJ
fsr-3486	260	9	worth	worth	ADJ
fsr-3486	260	10	quartile	quartile	NOUN
fsr-3486	260	11	(	(	PUNCT
fsr-3486	260	12	1st	1st	ADJ
fsr-3486	260	13	)	)	PUNCT
fsr-3486	260	14	2	2	NUM
fsr-3486	260	15	0.0028	0.0028	NUM
fsr-3486	260	16	(	(	PUNCT
fsr-3486	260	17	0.0068	0.0068	NUM
fsr-3486	260	18	)	)	PUNCT
fsr-3486	260	19	3	3	NUM
fsr-3486	260	20	0.0241	0.0241	NUM
fsr-3486	260	21	(	(	PUNCT
fsr-3486	260	22	0.0076	0.0076	NUM
fsr-3486	260	23	)	)	PUNCT
fsr-3486	260	24	*	*	PUNCT
fsr-3486	261	1	*	*	PUNCT
fsr-3486	261	2	*	*	PUNCT
fsr-3486	261	3	4	4	NUM
fsr-3486	261	4	0.0451	0.0451	NUM
fsr-3486	261	5	(	(	PUNCT
fsr-3486	261	6	0.0092	0.0092	NUM
fsr-3486	261	7	)	)	PUNCT
fsr-3486	261	8	*	*	PUNCT
fsr-3486	261	9	*	*	PUNCT
fsr-3486	261	10	*	*	PUNCT
fsr-3486	261	11	education	education	NOUN
fsr-3486	261	12	(	(	PUNCT
fsr-3486	261	13	no	no	DET
fsr-3486	261	14	degree	degree	NOUN
fsr-3486	261	15	)	)	PUNCT
fsr-3486	261	16	college	college	NOUN
fsr-3486	261	17	degree	degree	NOUN
fsr-3486	261	18	0.0293	0.0293	NUM
fsr-3486	261	19	(	(	PUNCT
fsr-3486	261	20	0.0069	0.0069	NUM
fsr-3486	261	21	)	)	PUNCT
fsr-3486	261	22	*	*	PUNCT
fsr-3486	262	1	*	*	PUNCT
fsr-3486	262	2	*	*	VERB
fsr-3486	262	3	age	age	NOUN
fsr-3486	262	4	(	(	PUNCT
fsr-3486	262	5	47–50	47–50	NUM
fsr-3486	262	6	)	)	PUNCT
fsr-3486	262	7	51–55	51–55	NUM
fsr-3486	262	8	0.0163	0.0163	NUM
fsr-3486	262	9	(	(	PUNCT
fsr-3486	262	10	0.0057	0.0057	NUM
fsr-3486	262	11	)	)	PUNCT
fsr-3486	262	12	*	*	PUNCT
fsr-3486	263	1	*	*	PUNCT
fsr-3486	263	2	*	*	PUNCT
fsr-3486	263	3	56	56	NUM
fsr-3486	263	4	+	+	SYM
fsr-3486	263	5	0.0125	0.0125	NUM
fsr-3486	263	6	(	(	PUNCT
fsr-3486	263	7	0.0090	0.0090	NUM
fsr-3486	263	8	)	)	PUNCT
fsr-3486	263	9	status	status	NOUN
fsr-3486	263	10	(	(	PUNCT
fsr-3486	263	11	not	not	PART
fsr-3486	263	12	married	married	ADJ
fsr-3486	263	13	)	)	PUNCT
fsr-3486	263	14	married	marry	VERB
fsr-3486	263	15	�	�	PROPN
fsr-3486	263	16	0.0076	0.0076	NUM
fsr-3486	263	17	(	(	PUNCT
fsr-3486	263	18	0.0058	0.0058	NUM
fsr-3486	263	19	)	)	PUNCT
fsr-3486	263	20	(	(	PUNCT
fsr-3486	263	21	continued	continue	VERB
fsr-3486	263	22	on	on	ADP
fsr-3486	263	23	next	next	ADJ
fsr-3486	263	24	page	page	NOUN
fsr-3486	263	25	)	)	PUNCT
fsr-3486	263	26	l.	l.	PROPN
fsr-3486	263	27	a.	a.	PROPN
fsr-3486	263	28	v.	v.	PROPN
fsr-3486	263	29	augustin	augustin	PROPN
fsr-3486	263	30	and	and	CCONJ
fsr-3486	263	31	t.	t.	PROPN
fsr-3486	263	32	k.	k.	PROPN
fsr-3486	263	33	martin	martin	PROPN
fsr-3486	263	34	/	/	SYM
fsr-3486	263	35	financial	financial	ADJ
fsr-3486	263	36	services	service	NOUN
fsr-3486	263	37	review	review	VERB
fsr-3486	263	38	30	30	NUM
fsr-3486	263	39	(	(	PUNCT
fsr-3486	263	40	2022	2022	NUM
fsr-3486	263	41	)	)	PUNCT
fsr-3486	263	42	205–222	205–222	NUM
fsr-3486	263	43	217	217	NUM
fsr-3486	263	44	probability	probability	NOUN
fsr-3486	263	45	of	of	ADP
fsr-3486	263	46	using	use	VERB
fsr-3486	263	47	a	a	DET
fsr-3486	263	48	level	level	NOUN
fsr-3486	263	49	of	of	ADP
fsr-3486	263	50	financial	financial	ADJ
fsr-3486	263	51	planning	planning	NOUN
fsr-3486	263	52	given	give	VERB
fsr-3486	263	53	a	a	DET
fsr-3486	263	54	change	change	NOUN
fsr-3486	263	55	in	in	ADP
fsr-3486	263	56	one	one	NUM
fsr-3486	263	57	independent	independent	ADJ
fsr-3486	263	58	variable	variable	NOUN
fsr-3486	263	59	,	,	PUNCT
fsr-3486	263	60	holding	hold	VERB
fsr-3486	263	61	all	all	DET
fsr-3486	263	62	others	other	NOUN
fsr-3486	263	63	constant	constant	ADJ
fsr-3486	263	64	.	.	PUNCT
fsr-3486	264	1	the	the	DET
fsr-3486	264	2	base	base	NOUN
fsr-3486	264	3	category	category	NOUN
fsr-3486	264	4	is	be	AUX
fsr-3486	264	5	no	no	DET
fsr-3486	264	6	plan	plan	NOUN
fsr-3486	264	7	and	and	CCONJ
fsr-3486	264	8	all	all	DET
fsr-3486	264	9	categories	category	NOUN
fsr-3486	264	10	will	will	AUX
fsr-3486	264	11	be	be	AUX
fsr-3486	264	12	compared	compare	VERB
fsr-3486	264	13	with	with	ADP
fsr-3486	264	14	it	it	PRON
fsr-3486	264	15	.	.	PUNCT
fsr-3486	265	1	9.3	9.3	NUM
fsr-3486	265	2	.	.	PUNCT
fsr-3486	265	3	comprehensive	comprehensive	ADJ
fsr-3486	265	4	level	level	NOUN
fsr-3486	265	5	of	of	ADP
fsr-3486	265	6	financial	financial	ADJ
fsr-3486	265	7	planning	planning	NOUN
fsr-3486	265	8	we	we	PRON
fsr-3486	265	9	found	find	VERB
fsr-3486	265	10	that	that	SCONJ
fsr-3486	265	11	individuals	individual	NOUN
fsr-3486	265	12	with	with	ADP
fsr-3486	265	13	high	high	ADJ
fsr-3486	265	14	financial	financial	ADJ
fsr-3486	265	15	literacy	literacy	NOUN
fsr-3486	265	16	were	be	AUX
fsr-3486	265	17	more	more	ADV
fsr-3486	265	18	likely	likely	ADJ
fsr-3486	265	19	than	than	ADP
fsr-3486	265	20	those	those	PRON
fsr-3486	265	21	with	with	ADP
fsr-3486	265	22	low	low	ADJ
fsr-3486	265	23	literacy	literacy	NOUN
fsr-3486	265	24	to	to	PART
fsr-3486	265	25	use	use	VERB
fsr-3486	265	26	comprehensive	comprehensive	ADJ
fsr-3486	265	27	financial	financial	ADJ
fsr-3486	265	28	planning	planning	NOUN
fsr-3486	265	29	over	over	ADP
fsr-3486	265	30	no	no	DET
fsr-3486	265	31	plan	plan	NOUN
fsr-3486	265	32	.	.	PUNCT
fsr-3486	266	1	this	this	PRON
fsr-3486	266	2	is	be	AUX
fsr-3486	266	3	consistent	consistent	ADJ
fsr-3486	266	4	with	with	ADP
fsr-3486	266	5	our	our	PRON
fsr-3486	266	6	hypothesis	hypothesis	NOUN
fsr-3486	266	7	that	that	PRON
fsr-3486	266	8	increased	increase	VERB
fsr-3486	266	9	financial	financial	ADJ
fsr-3486	266	10	literacy	literacy	NOUN
fsr-3486	266	11	is	be	AUX
fsr-3486	266	12	associated	associate	VERB
fsr-3486	266	13	with	with	ADP
fsr-3486	266	14	using	use	VERB
fsr-3486	266	15	the	the	DET
fsr-3486	266	16	comprehensive	comprehensive	ADJ
fsr-3486	266	17	level	level	NOUN
fsr-3486	266	18	of	of	ADP
fsr-3486	266	19	financial	financial	ADJ
fsr-3486	266	20	planning	planning	NOUN
fsr-3486	266	21	.	.	PUNCT
fsr-3486	267	1	non	non	ADJ
fsr-3486	267	2	-	-	ADJ
fsr-3486	267	3	black	black	ADJ
fsr-3486	267	4	non	non	ADJ
fsr-3486	267	5	-	-	ADJ
fsr-3486	267	6	hispanic	hispanic	ADJ
fsr-3486	267	7	individuals	individual	NOUN
fsr-3486	267	8	were	be	AUX
fsr-3486	267	9	more	more	ADV
fsr-3486	267	10	likely	likely	ADJ
fsr-3486	267	11	than	than	SCONJ
fsr-3486	267	12	hispanics	hispanic	NOUN
fsr-3486	267	13	to	to	PART
fsr-3486	267	14	use	use	VERB
fsr-3486	267	15	comprehensive	comprehensive	ADJ
fsr-3486	267	16	financial	financial	ADJ
fsr-3486	267	17	planning	planning	NOUN
fsr-3486	267	18	over	over	ADP
fsr-3486	267	19	no	no	DET
fsr-3486	267	20	plan	plan	NOUN
fsr-3486	267	21	.	.	PUNCT
fsr-3486	268	1	our	our	PRON
fsr-3486	268	2	results	result	NOUN
fsr-3486	268	3	indicate	indicate	VERB
fsr-3486	268	4	that	that	SCONJ
fsr-3486	268	5	females	female	NOUN
fsr-3486	268	6	were	be	AUX
fsr-3486	268	7	more	more	ADV
fsr-3486	268	8	likely	likely	ADJ
fsr-3486	268	9	than	than	ADP
fsr-3486	268	10	males	male	NOUN
fsr-3486	268	11	to	to	PART
fsr-3486	268	12	use	use	VERB
fsr-3486	268	13	comprehensive	comprehensive	ADJ
fsr-3486	268	14	financial	financial	ADJ
fsr-3486	268	15	planning	planning	NOUN
fsr-3486	268	16	over	over	ADP
fsr-3486	268	17	no	no	DET
fsr-3486	268	18	plan	plan	NOUN
fsr-3486	268	19	.	.	PUNCT
fsr-3486	269	1	individuals	individual	NOUN
fsr-3486	269	2	in	in	ADP
fsr-3486	269	3	the	the	DET
fsr-3486	269	4	second	second	ADJ
fsr-3486	269	5	quartile	quartile	NOUN
fsr-3486	269	6	of	of	ADP
fsr-3486	269	7	income	income	NOUN
fsr-3486	269	8	were	be	AUX
fsr-3486	269	9	less	less	ADV
fsr-3486	269	10	likely	likely	ADJ
fsr-3486	269	11	than	than	ADP
fsr-3486	269	12	those	those	PRON
fsr-3486	269	13	in	in	ADP
fsr-3486	269	14	the	the	DET
fsr-3486	269	15	first	first	ADJ
fsr-3486	269	16	quartile	quartile	NOUN
fsr-3486	269	17	to	to	PART
fsr-3486	269	18	use	use	VERB
fsr-3486	269	19	comprehensive	comprehensive	ADJ
fsr-3486	269	20	over	over	ADP
fsr-3486	269	21	no	no	DET
fsr-3486	269	22	plan	plan	NOUN
fsr-3486	269	23	.	.	PUNCT
fsr-3486	270	1	as	as	SCONJ
fsr-3486	270	2	individuals	individual	NOUN
fsr-3486	270	3	move	move	VERB
fsr-3486	270	4	up	up	ADP
fsr-3486	270	5	to	to	ADP
fsr-3486	270	6	the	the	DET
fsr-3486	270	7	top	top	ADJ
fsr-3486	270	8	quartile	quartile	NOUN
fsr-3486	270	9	of	of	ADP
fsr-3486	270	10	income	income	NOUN
fsr-3486	270	11	they	they	PRON
fsr-3486	270	12	are	be	AUX
fsr-3486	270	13	more	more	ADV
fsr-3486	270	14	likely	likely	ADJ
fsr-3486	270	15	than	than	ADP
fsr-3486	270	16	those	those	PRON
fsr-3486	270	17	in	in	ADP
fsr-3486	270	18	the	the	DET
fsr-3486	270	19	first	first	ADJ
fsr-3486	270	20	quartile	quartile	NOUN
fsr-3486	270	21	to	to	PART
fsr-3486	270	22	use	use	VERB
fsr-3486	270	23	comprehensive	comprehensive	ADJ
fsr-3486	270	24	over	over	ADP
fsr-3486	270	25	no	no	DET
fsr-3486	270	26	plan	plan	NOUN
fsr-3486	270	27	.	.	PUNCT
fsr-3486	271	1	individuals	individual	NOUN
fsr-3486	271	2	in	in	ADP
fsr-3486	271	3	the	the	DET
fsr-3486	271	4	third	third	ADJ
fsr-3486	271	5	and	and	CCONJ
fsr-3486	271	6	fourth	fourth	ADJ
fsr-3486	271	7	quartiles	quartile	NOUN
fsr-3486	271	8	of	of	ADP
fsr-3486	271	9	wealth	wealth	NOUN
fsr-3486	271	10	are	be	AUX
fsr-3486	271	11	more	more	ADV
fsr-3486	271	12	likely	likely	ADJ
fsr-3486	271	13	than	than	ADP
fsr-3486	271	14	those	those	PRON
fsr-3486	271	15	in	in	ADP
fsr-3486	271	16	the	the	DET
fsr-3486	271	17	first	first	ADJ
fsr-3486	271	18	quartile	quartile	NOUN
fsr-3486	271	19	to	to	PART
fsr-3486	271	20	use	use	VERB
fsr-3486	271	21	comprehensive	comprehensive	ADJ
fsr-3486	271	22	over	over	ADP
fsr-3486	271	23	no	no	DET
fsr-3486	271	24	plan	plan	NOUN
fsr-3486	271	25	.	.	PUNCT
fsr-3486	272	1	we	we	PRON
fsr-3486	272	2	also	also	ADV
fsr-3486	272	3	found	find	VERB
fsr-3486	272	4	that	that	SCONJ
fsr-3486	272	5	individuals	individual	NOUN
fsr-3486	272	6	with	with	ADP
fsr-3486	272	7	a	a	DET
fsr-3486	272	8	college	college	NOUN
fsr-3486	272	9	degree	degree	NOUN
fsr-3486	272	10	were	be	AUX
fsr-3486	272	11	more	more	ADV
fsr-3486	272	12	likely	likely	ADJ
fsr-3486	272	13	than	than	ADP
fsr-3486	272	14	those	those	PRON
fsr-3486	272	15	with	with	ADP
fsr-3486	272	16	no	no	DET
fsr-3486	272	17	degree	degree	NOUN
fsr-3486	272	18	to	to	PART
fsr-3486	272	19	use	use	VERB
fsr-3486	272	20	comprehensive	comprehensive	ADJ
fsr-3486	272	21	over	over	ADP
fsr-3486	272	22	no	no	DET
fsr-3486	272	23	plan	plan	NOUN
fsr-3486	272	24	.	.	PUNCT
fsr-3486	273	1	this	this	DET
fsr-3486	273	2	result	result	NOUN
fsr-3486	273	3	is	be	AUX
fsr-3486	273	4	consistent	consistent	ADJ
fsr-3486	273	5	with	with	ADP
fsr-3486	273	6	the	the	DET
fsr-3486	273	7	hypothesis	hypothesis	NOUN
fsr-3486	273	8	as	as	ADP
fsr-3486	273	9	table	table	NOUN
fsr-3486	273	10	4	4	NUM
fsr-3486	273	11	(	(	PUNCT
fsr-3486	273	12	continued	continued	ADJ
fsr-3486	273	13	)	)	PUNCT
fsr-3486	273	14	group	group	NOUN
fsr-3486	273	15	marginal	marginal	ADJ
fsr-3486	273	16	effect	effect	NOUN
fsr-3486	273	17	standard	standard	ADJ
fsr-3486	273	18	error	error	NOUN
fsr-3486	273	19	significance	significance	NOUN
fsr-3486	273	20	retire	retire	VERB
fsr-3486	273	21	only	only	ADV
fsr-3486	273	22	literacy	literacy	NOUN
fsr-3486	273	23	(	(	PUNCT
fsr-3486	273	24	none	none	NOUN
fsr-3486	273	25	)	)	PUNCT
fsr-3486	273	26	moderate	moderate	VERB
fsr-3486	273	27	0.0419	0.0419	NUM
fsr-3486	273	28	(	(	PUNCT
fsr-3486	273	29	0.0327	0.0327	NUM
fsr-3486	273	30	)	)	PUNCT
fsr-3486	273	31	high	high	ADJ
fsr-3486	273	32	0.0466	0.0466	NUM
fsr-3486	273	33	(	(	PUNCT
fsr-3486	273	34	0.0329	0.0329	NUM
fsr-3486	273	35	)	)	PUNCT
fsr-3486	273	36	race	race	NOUN
fsr-3486	273	37	/	/	SYM
fsr-3486	273	38	ethnicity	ethnicity	NOUN
fsr-3486	273	39	(	(	PUNCT
fsr-3486	273	40	hispanic	hispanic	ADJ
fsr-3486	273	41	)	)	PUNCT
fsr-3486	273	42	black	black	PROPN
fsr-3486	273	43	�	�	PROPN
fsr-3486	273	44	0.0015	0.0015	NUM
fsr-3486	273	45	(	(	PUNCT
fsr-3486	273	46	0.0122	0.0122	NUM
fsr-3486	273	47	)	)	PUNCT
fsr-3486	273	48	non	non	ADJ
fsr-3486	273	49	-	-	ADJ
fsr-3486	273	50	black	black	ADJ
fsr-3486	273	51	non	non	ADJ
fsr-3486	273	52	-	-	ADJ
fsr-3486	273	53	hispanic	hispanic	ADJ
fsr-3486	273	54	�	�	PROPN
fsr-3486	273	55	0.0155	0.0155	NUM
fsr-3486	273	56	(	(	PUNCT
fsr-3486	273	57	0.0111	0.0111	NUM
fsr-3486	273	58	)	)	PUNCT
fsr-3486	273	59	gender	gender	NOUN
fsr-3486	273	60	(	(	PUNCT
fsr-3486	273	61	male	male	NOUN
fsr-3486	273	62	)	)	PUNCT
fsr-3486	273	63	female	female	ADJ
fsr-3486	273	64	�	�	NOUN
fsr-3486	273	65	0.0055	0.0055	NUM
fsr-3486	273	66	(	(	PUNCT
fsr-3486	273	67	0.0081	0.0081	NUM
fsr-3486	273	68	)	)	PUNCT
fsr-3486	273	69	income	income	NOUN
fsr-3486	273	70	quartile	quartile	NOUN
fsr-3486	273	71	(	(	PUNCT
fsr-3486	273	72	1st	1st	ADJ
fsr-3486	273	73	)	)	PUNCT
fsr-3486	273	74	2	2	NUM
fsr-3486	273	75	0.0187	0.0187	NUM
fsr-3486	273	76	(	(	PUNCT
fsr-3486	273	77	0.0105	0.0105	NUM
fsr-3486	273	78	)	)	PUNCT
fsr-3486	273	79	*	*	PUNCT
fsr-3486	273	80	3	3	NUM
fsr-3486	273	81	0.0638	0.0638	NUM
fsr-3486	273	82	(	(	PUNCT
fsr-3486	273	83	0.0113	0.0113	NUM
fsr-3486	273	84	)	)	PUNCT
fsr-3486	273	85	*	*	PUNCT
fsr-3486	274	1	*	*	PUNCT
fsr-3486	274	2	*	*	PUNCT
fsr-3486	274	3	4	4	NUM
fsr-3486	274	4	0.0686	0.0686	NUM
fsr-3486	274	5	(	(	PUNCT
fsr-3486	274	6	0.0126	0.0126	NUM
fsr-3486	274	7	)	)	PUNCT
fsr-3486	274	8	*	*	PUNCT
fsr-3486	275	1	*	*	PUNCT
fsr-3486	275	2	*	*	PUNCT
fsr-3486	275	3	net	net	ADJ
fsr-3486	275	4	worth	worth	ADJ
fsr-3486	275	5	quartile	quartile	NOUN
fsr-3486	275	6	(	(	PUNCT
fsr-3486	275	7	1st	1st	ADJ
fsr-3486	275	8	)	)	PUNCT
fsr-3486	275	9	2	2	NUM
fsr-3486	275	10	0.0049	0.0049	NUM
fsr-3486	275	11	(	(	PUNCT
fsr-3486	275	12	0.0109	0.0109	NUM
fsr-3486	275	13	)	)	PUNCT
fsr-3486	275	14	3	3	NUM
fsr-3486	275	15	0.0323	0.0323	NUM
fsr-3486	275	16	(	(	PUNCT
fsr-3486	275	17	0.0117	0.0117	NUM
fsr-3486	275	18	)	)	PUNCT
fsr-3486	275	19	*	*	PUNCT
fsr-3486	276	1	*	*	PUNCT
fsr-3486	276	2	*	*	PUNCT
fsr-3486	276	3	4	4	NUM
fsr-3486	276	4	0.0599	0.0599	NUM
fsr-3486	276	5	(	(	PUNCT
fsr-3486	276	6	0.0136	0.0136	NUM
fsr-3486	276	7	)	)	PUNCT
fsr-3486	276	8	*	*	PUNCT
fsr-3486	277	1	*	*	PUNCT
fsr-3486	277	2	*	*	PUNCT
fsr-3486	277	3	education	education	NOUN
fsr-3486	277	4	(	(	PUNCT
fsr-3486	277	5	no	no	DET
fsr-3486	277	6	degree	degree	NOUN
fsr-3486	277	7	)	)	PUNCT
fsr-3486	277	8	college	college	NOUN
fsr-3486	277	9	degree	degree	NOUN
fsr-3486	277	10	�	�	PROPN
fsr-3486	277	11	0.0036	0.0036	NUM
fsr-3486	277	12	(	(	PUNCT
fsr-3486	277	13	0.0096	0.0096	NUM
fsr-3486	277	14	)	)	PUNCT
fsr-3486	277	15	age	age	NOUN
fsr-3486	277	16	(	(	PUNCT
fsr-3486	277	17	47–50	47–50	NUM
fsr-3486	277	18	)	)	PUNCT
fsr-3486	277	19	51–55	51–55	NUM
fsr-3486	277	20	0.0209	0.0209	NUM
fsr-3486	277	21	(	(	PUNCT
fsr-3486	277	22	0.0088	0.0088	NUM
fsr-3486	277	23	)	)	PUNCT
fsr-3486	277	24	*	*	PUNCT
fsr-3486	278	1	*	*	PUNCT
fsr-3486	278	2	56	56	NUM
fsr-3486	278	3	+	+	NUM
fsr-3486	278	4	0.0409	0.0409	NUM
fsr-3486	278	5	(	(	PUNCT
fsr-3486	278	6	0.0141	0.0141	NUM
fsr-3486	278	7	)	)	PUNCT
fsr-3486	278	8	*	*	PUNCT
fsr-3486	278	9	*	*	PUNCT
fsr-3486	278	10	*	*	X
fsr-3486	278	11	status	status	NOUN
fsr-3486	278	12	(	(	PUNCT
fsr-3486	278	13	not	not	PART
fsr-3486	278	14	married	married	ADJ
fsr-3486	278	15	)	)	PUNCT
fsr-3486	278	16	married	marry	VERB
fsr-3486	278	17	0.0061	0.0061	NUM
fsr-3486	278	18	(	(	PUNCT
fsr-3486	278	19	0.0085	0.0085	NUM
fsr-3486	278	20	)	)	PUNCT
fsr-3486	278	21	–	–	PUNCT
fsr-3486	278	22	no	no	DET
fsr-3486	278	23	plan	plan	NOUN
fsr-3486	278	24	(	(	PUNCT
fsr-3486	278	25	base	base	NOUN
fsr-3486	278	26	outcome	outcome	NOUN
fsr-3486	278	27	)	)	PUNCT
fsr-3486	278	28	note	note	NOUN
fsr-3486	278	29	.	.	PUNCT
fsr-3486	279	1	denotes	denote	NOUN
fsr-3486	279	2	significance	significance	NOUN
fsr-3486	279	3	at	at	ADP
fsr-3486	279	4	the	the	DET
fsr-3486	279	5	following	following	ADJ
fsr-3486	279	6	levels	level	NOUN
fsr-3486	279	7	:	:	PUNCT
fsr-3486	279	8	*	*	PUNCT
fsr-3486	279	9	p	p	X
fsr-3486	279	10	<	<	X
fsr-3486	279	11	.1	.1	PROPN
fsr-3486	279	12	,	,	PUNCT
fsr-3486	279	13	*	*	PUNCT
fsr-3486	279	14	*	*	PUNCT
fsr-3486	279	15	p	p	X
fsr-3486	279	16	<	<	X
fsr-3486	279	17	.05	.05	NUM
fsr-3486	279	18	,	,	PUNCT
fsr-3486	279	19	*	*	PUNCT
fsr-3486	279	20	*	*	PUNCT
fsr-3486	279	21	*	*	PUNCT
fsr-3486	279	22	p	p	X
fsr-3486	279	23	<	<	X
fsr-3486	279	24	.01	.01	NUM
fsr-3486	279	25	.	.	PROPN
fsr-3486	279	26	218	218	NUM
fsr-3486	279	27	l.	l.	PROPN
fsr-3486	279	28	a.	a.	PROPN
fsr-3486	279	29	v.	v.	PROPN
fsr-3486	279	30	augustin	augustin	PROPN
fsr-3486	279	31	and	and	CCONJ
fsr-3486	279	32	t.	t.	PROPN
fsr-3486	279	33	k.	k.	PROPN
fsr-3486	279	34	martin	martin	PROPN
fsr-3486	279	35	/	/	SYM
fsr-3486	279	36	financial	financial	ADJ
fsr-3486	279	37	services	service	NOUN
fsr-3486	279	38	review	review	VERB
fsr-3486	279	39	30	30	NUM
fsr-3486	279	40	(	(	PUNCT
fsr-3486	279	41	2022	2022	NUM
fsr-3486	279	42	)	)	PUNCT
fsr-3486	279	43	205–222	205–222	NUM
fsr-3486	279	44	financial	financial	ADJ
fsr-3486	279	45	literacy	literacy	NOUN
fsr-3486	279	46	and	and	CCONJ
fsr-3486	279	47	education	education	NOUN
fsr-3486	279	48	tend	tend	VERB
fsr-3486	279	49	to	to	PART
fsr-3486	279	50	be	be	AUX
fsr-3486	279	51	correlated	correlate	VERB
fsr-3486	279	52	.	.	PUNCT
fsr-3486	280	1	finally	finally	ADV
fsr-3486	280	2	,	,	PUNCT
fsr-3486	280	3	we	we	PRON
fsr-3486	280	4	found	find	VERB
fsr-3486	280	5	that	that	SCONJ
fsr-3486	280	6	older	old	ADJ
fsr-3486	280	7	individuals	individual	NOUN
fsr-3486	280	8	were	be	AUX
fsr-3486	280	9	more	more	ADV
fsr-3486	280	10	likely	likely	ADJ
fsr-3486	280	11	than	than	SCONJ
fsr-3486	280	12	younger	young	ADJ
fsr-3486	280	13	ones	one	NOUN
fsr-3486	280	14	to	to	PART
fsr-3486	280	15	use	use	VERB
fsr-3486	280	16	comprehensive	comprehensive	ADJ
fsr-3486	280	17	over	over	ADP
fsr-3486	280	18	no	no	DET
fsr-3486	280	19	plan	plan	NOUN
fsr-3486	280	20	.	.	PUNCT
fsr-3486	281	1	9.4	9.4	NUM
fsr-3486	281	2	.	.	PUNCT
fsr-3486	282	1	plan	plan	VERB
fsr-3486	282	2	only	only	ADJ
fsr-3486	282	3	level	level	NOUN
fsr-3486	282	4	of	of	ADP
fsr-3486	282	5	financial	financial	ADJ
fsr-3486	282	6	planning	planning	NOUN
fsr-3486	282	7	we	we	PRON
fsr-3486	282	8	found	find	VERB
fsr-3486	282	9	that	that	SCONJ
fsr-3486	282	10	individuals	individual	NOUN
fsr-3486	282	11	in	in	ADP
fsr-3486	282	12	the	the	DET
fsr-3486	282	13	third	third	ADJ
fsr-3486	282	14	income	income	NOUN
fsr-3486	282	15	quartile	quartile	NOUN
fsr-3486	282	16	were	be	AUX
fsr-3486	282	17	more	more	ADV
fsr-3486	282	18	likely	likely	ADJ
fsr-3486	282	19	than	than	ADP
fsr-3486	282	20	those	those	PRON
fsr-3486	282	21	in	in	ADP
fsr-3486	282	22	the	the	DET
fsr-3486	282	23	first	first	ADJ
fsr-3486	282	24	quartile	quartile	NOUN
fsr-3486	282	25	to	to	PART
fsr-3486	282	26	use	use	VERB
fsr-3486	282	27	plan	plan	NOUN
fsr-3486	282	28	only	only	ADV
fsr-3486	282	29	over	over	ADP
fsr-3486	282	30	no	no	DET
fsr-3486	282	31	plan	plan	NOUN
fsr-3486	282	32	.	.	PUNCT
fsr-3486	283	1	we	we	PRON
fsr-3486	283	2	also	also	ADV
fsr-3486	283	3	found	find	VERB
fsr-3486	283	4	that	that	SCONJ
fsr-3486	283	5	individuals	individual	NOUN
fsr-3486	283	6	in	in	ADP
fsr-3486	283	7	the	the	DET
fsr-3486	283	8	third	third	ADJ
fsr-3486	283	9	and	and	CCONJ
fsr-3486	283	10	fourth	fourth	ADJ
fsr-3486	283	11	wealth	wealth	NOUN
fsr-3486	283	12	quartiles	quartile	NOUN
fsr-3486	283	13	were	be	AUX
fsr-3486	283	14	more	more	ADV
fsr-3486	283	15	lkeily	lkeily	ADJ
fsr-3486	283	16	than	than	ADP
fsr-3486	283	17	those	those	PRON
fsr-3486	283	18	in	in	ADP
fsr-3486	283	19	the	the	DET
fsr-3486	283	20	first	first	ADJ
fsr-3486	283	21	quartile	quartile	NOUN
fsr-3486	283	22	to	to	PART
fsr-3486	283	23	use	use	VERB
fsr-3486	283	24	plan	plan	NOUN
fsr-3486	283	25	only	only	ADV
fsr-3486	283	26	over	over	ADP
fsr-3486	283	27	no	no	DET
fsr-3486	283	28	plan	plan	NOUN
fsr-3486	283	29	.	.	PUNCT
fsr-3486	284	1	individuals	individual	NOUN
fsr-3486	284	2	with	with	ADP
fsr-3486	284	3	a	a	DET
fsr-3486	284	4	college	college	NOUN
fsr-3486	284	5	degree	degree	NOUN
fsr-3486	284	6	were	be	AUX
fsr-3486	284	7	more	more	ADV
fsr-3486	284	8	likely	likely	ADJ
fsr-3486	284	9	than	than	ADP
fsr-3486	284	10	those	those	PRON
fsr-3486	284	11	with	with	ADP
fsr-3486	284	12	no	no	DET
fsr-3486	284	13	degree	degree	NOUN
fsr-3486	284	14	to	to	PART
fsr-3486	284	15	use	use	VERB
fsr-3486	284	16	plan	plan	NOUN
fsr-3486	284	17	only	only	ADV
fsr-3486	284	18	over	over	ADP
fsr-3486	284	19	no	no	DET
fsr-3486	284	20	plan	plan	NOUN
fsr-3486	284	21	.	.	PUNCT
fsr-3486	285	1	finally	finally	ADV
fsr-3486	285	2	,	,	PUNCT
fsr-3486	285	3	we	we	PRON
fsr-3486	285	4	found	find	VERB
fsr-3486	285	5	that	that	SCONJ
fsr-3486	285	6	individuals	individual	NOUN
fsr-3486	285	7	in	in	ADP
fsr-3486	285	8	the	the	DET
fsr-3486	285	9	accumulation	accumulation	NOUN
fsr-3486	285	10	stage	stage	NOUN
fsr-3486	285	11	(	(	PUNCT
fsr-3486	285	12	age	age	NOUN
fsr-3486	285	13	51–55	51–55	NUM
fsr-3486	285	14	)	)	PUNCT
fsr-3486	285	15	were	be	AUX
fsr-3486	285	16	more	more	ADV
fsr-3486	285	17	likely	likely	ADJ
fsr-3486	285	18	than	than	ADP
fsr-3486	285	19	those	those	PRON
fsr-3486	285	20	at	at	ADP
fsr-3486	285	21	the	the	DET
fsr-3486	285	22	acquisition	acquisition	NOUN
fsr-3486	285	23	stage	stage	NOUN
fsr-3486	285	24	(	(	PUNCT
fsr-3486	285	25	age	age	NOUN
fsr-3486	285	26	47–50	47–50	NUM
fsr-3486	285	27	)	)	PUNCT
fsr-3486	285	28	to	to	PART
fsr-3486	285	29	use	use	VERB
fsr-3486	285	30	plan	plan	NOUN
fsr-3486	285	31	only	only	ADV
fsr-3486	285	32	over	over	ADP
fsr-3486	285	33	no	no	DET
fsr-3486	285	34	plan	plan	NOUN
fsr-3486	285	35	.	.	PUNCT
fsr-3486	286	1	9.5	9.5	NUM
fsr-3486	286	2	.	.	PUNCT
fsr-3486	287	1	retire	retire	VERB
fsr-3486	287	2	only	only	ADJ
fsr-3486	287	3	level	level	NOUN
fsr-3486	287	4	of	of	ADP
fsr-3486	287	5	financial	financial	ADJ
fsr-3486	287	6	planning	planning	NOUN
fsr-3486	287	7	we	we	PRON
fsr-3486	287	8	found	find	VERB
fsr-3486	287	9	that	that	SCONJ
fsr-3486	287	10	individuals	individual	NOUN
fsr-3486	287	11	in	in	ADP
fsr-3486	287	12	the	the	DET
fsr-3486	287	13	second	second	ADJ
fsr-3486	287	14	,	,	PUNCT
fsr-3486	287	15	third	third	ADJ
fsr-3486	287	16	,	,	PUNCT
fsr-3486	287	17	and	and	CCONJ
fsr-3486	287	18	fourth	fourth	ADJ
fsr-3486	287	19	income	income	NOUN
fsr-3486	287	20	quartiles	quartile	NOUN
fsr-3486	287	21	were	be	AUX
fsr-3486	287	22	more	more	ADV
fsr-3486	287	23	likely	likely	ADJ
fsr-3486	287	24	than	than	ADP
fsr-3486	287	25	those	those	PRON
fsr-3486	287	26	in	in	ADP
fsr-3486	287	27	the	the	DET
fsr-3486	287	28	first	first	ADJ
fsr-3486	287	29	quartile	quartile	NOUN
fsr-3486	287	30	to	to	PART
fsr-3486	287	31	use	use	VERB
fsr-3486	287	32	retire	retire	NOUN
fsr-3486	287	33	only	only	ADV
fsr-3486	287	34	over	over	ADP
fsr-3486	287	35	no	no	DET
fsr-3486	287	36	plan	plan	NOUN
fsr-3486	287	37	.	.	PUNCT
fsr-3486	288	1	these	these	DET
fsr-3486	288	2	results	result	NOUN
fsr-3486	288	3	are	be	AUX
fsr-3486	288	4	consistent	consistent	ADJ
fsr-3486	288	5	with	with	ADP
fsr-3486	288	6	the	the	DET
fsr-3486	288	7	life	life	NOUN
fsr-3486	288	8	cycle	cycle	NOUN
fsr-3486	288	9	theory	theory	NOUN
fsr-3486	288	10	which	which	PRON
fsr-3486	288	11	indicates	indicate	VERB
fsr-3486	288	12	these	these	DET
fsr-3486	288	13	individuals	individual	NOUN
fsr-3486	288	14	are	be	AUX
fsr-3486	288	15	aware	aware	ADJ
fsr-3486	288	16	of	of	ADP
fsr-3486	288	17	the	the	DET
fsr-3486	288	18	need	need	NOUN
fsr-3486	288	19	for	for	ADP
fsr-3486	288	20	consumption	consumption	NOUN
fsr-3486	288	21	smoothing	smoothing	NOUN
fsr-3486	288	22	.	.	PUNCT
fsr-3486	289	1	we	we	PRON
fsr-3486	289	2	also	also	ADV
fsr-3486	289	3	found	find	VERB
fsr-3486	289	4	that	that	SCONJ
fsr-3486	289	5	individuals	individual	NOUN
fsr-3486	289	6	in	in	ADP
fsr-3486	289	7	the	the	DET
fsr-3486	289	8	third	third	ADJ
fsr-3486	289	9	and	and	CCONJ
fsr-3486	289	10	fourth	fourth	ADJ
fsr-3486	289	11	wealth	wealth	NOUN
fsr-3486	289	12	quartiles	quartile	NOUN
fsr-3486	289	13	were	be	AUX
fsr-3486	289	14	more	more	ADV
fsr-3486	289	15	likely	likely	ADJ
fsr-3486	289	16	than	than	ADP
fsr-3486	289	17	those	those	PRON
fsr-3486	289	18	in	in	ADP
fsr-3486	289	19	the	the	DET
fsr-3486	289	20	first	first	ADJ
fsr-3486	289	21	quartile	quartile	NOUN
fsr-3486	289	22	to	to	PART
fsr-3486	289	23	use	use	VERB
fsr-3486	289	24	retire	retire	NOUN
fsr-3486	289	25	only	only	ADV
fsr-3486	289	26	over	over	ADP
fsr-3486	289	27	no	no	DET
fsr-3486	289	28	plan	plan	NOUN
fsr-3486	289	29	.	.	PUNCT
fsr-3486	290	1	individuals	individual	NOUN
fsr-3486	290	2	at	at	ADP
fsr-3486	290	3	the	the	DET
fsr-3486	290	4	accumulation	accumulation	NOUN
fsr-3486	290	5	and	and	CCONJ
fsr-3486	290	6	decumlation	decumlation	NOUN
fsr-3486	290	7	stages	stage	NOUN
fsr-3486	290	8	were	be	AUX
fsr-3486	290	9	more	more	ADV
fsr-3486	290	10	likely	likely	ADJ
fsr-3486	290	11	than	than	ADP
fsr-3486	290	12	those	those	PRON
fsr-3486	290	13	at	at	ADP
fsr-3486	290	14	the	the	DET
fsr-3486	290	15	acquisition	acquisition	NOUN
fsr-3486	290	16	stage	stage	NOUN
fsr-3486	290	17	to	to	PART
fsr-3486	290	18	use	use	VERB
fsr-3486	290	19	retire	retire	NOUN
fsr-3486	290	20	only	only	ADV
fsr-3486	290	21	over	over	ADP
fsr-3486	290	22	no	no	DET
fsr-3486	290	23	plan	plan	NOUN
fsr-3486	290	24	.	.	PUNCT
fsr-3486	291	1	10	10	NUM
fsr-3486	291	2	.	.	PUNCT
fsr-3486	292	1	discussion	discussion	NOUN
fsr-3486	292	2	the	the	DET
fsr-3486	292	3	current	current	ADJ
fsr-3486	292	4	study	study	NOUN
fsr-3486	292	5	examines	examine	VERB
fsr-3486	292	6	the	the	DET
fsr-3486	292	7	association	association	NOUN
fsr-3486	292	8	between	between	ADP
fsr-3486	292	9	financial	financial	ADJ
fsr-3486	292	10	literacy	literacy	NOUN
fsr-3486	292	11	on	on	ADP
fsr-3486	292	12	the	the	DET
fsr-3486	292	13	level	level	NOUN
fsr-3486	292	14	of	of	ADP
fsr-3486	292	15	financial	financial	ADJ
fsr-3486	292	16	planning	planning	NOUN
fsr-3486	292	17	individuals	individual	NOUN
fsr-3486	292	18	use	use	VERB
fsr-3486	292	19	.	.	PUNCT
fsr-3486	293	1	we	we	PRON
fsr-3486	293	2	found	find	VERB
fsr-3486	293	3	that	that	SCONJ
fsr-3486	293	4	individuals	individual	NOUN
fsr-3486	293	5	with	with	ADP
fsr-3486	293	6	high	high	ADJ
fsr-3486	293	7	levels	level	NOUN
fsr-3486	293	8	of	of	ADP
fsr-3486	293	9	financial	financial	ADJ
fsr-3486	293	10	literacy	literacy	NOUN
fsr-3486	293	11	were	be	AUX
fsr-3486	293	12	more	more	ADV
fsr-3486	293	13	likely	likely	ADJ
fsr-3486	293	14	to	to	PART
fsr-3486	293	15	engage	engage	VERB
fsr-3486	293	16	in	in	ADP
fsr-3486	293	17	the	the	DET
fsr-3486	293	18	comprehensive	comprehensive	ADJ
fsr-3486	293	19	level	level	NOUN
fsr-3486	293	20	of	of	ADP
fsr-3486	293	21	financial	financial	ADJ
fsr-3486	293	22	planning	planning	NOUN
fsr-3486	293	23	than	than	ADP
fsr-3486	293	24	those	those	PRON
fsr-3486	293	25	with	with	ADP
fsr-3486	293	26	no	no	DET
fsr-3486	293	27	literacy	literacy	NOUN
fsr-3486	293	28	.	.	PUNCT
fsr-3486	294	1	we	we	PRON
fsr-3486	294	2	also	also	ADV
fsr-3486	294	3	found	find	VERB
fsr-3486	294	4	that	that	SCONJ
fsr-3486	294	5	as	as	SCONJ
fsr-3486	294	6	financial	financial	ADJ
fsr-3486	294	7	literacy	literacy	NOUN
fsr-3486	294	8	increases	increase	VERB
fsr-3486	294	9	individuals	individual	NOUN
fsr-3486	294	10	were	be	AUX
fsr-3486	294	11	less	less	ADV
fsr-3486	294	12	likely	likely	ADJ
fsr-3486	294	13	to	to	PART
fsr-3486	294	14	use	use	VERB
fsr-3486	294	15	no	no	DET
fsr-3486	294	16	plan	plan	NOUN
fsr-3486	294	17	than	than	ADP
fsr-3486	294	18	those	those	PRON
fsr-3486	294	19	with	with	ADP
fsr-3486	294	20	no	no	DET
fsr-3486	294	21	financial	financial	ADJ
fsr-3486	294	22	literacy	literacy	NOUN
fsr-3486	294	23	.	.	PUNCT
fsr-3486	295	1	these	these	DET
fsr-3486	295	2	results	result	NOUN
fsr-3486	295	3	are	be	AUX
fsr-3486	295	4	consistent	consistent	ADJ
fsr-3486	295	5	with	with	ADP
fsr-3486	295	6	our	our	PRON
fsr-3486	295	7	hypothesis	hypothesis	NOUN
fsr-3486	295	8	that	that	SCONJ
fsr-3486	295	9	financial	financial	ADJ
fsr-3486	295	10	literacy	literacy	NOUN
fsr-3486	295	11	is	be	AUX
fsr-3486	295	12	related	relate	VERB
fsr-3486	295	13	to	to	ADP
fsr-3486	295	14	the	the	DET
fsr-3486	295	15	level	level	NOUN
fsr-3486	295	16	of	of	ADP
fsr-3486	295	17	financial	financial	ADJ
fsr-3486	295	18	planning	planning	NOUN
fsr-3486	295	19	individuals	individual	NOUN
fsr-3486	295	20	use	use	VERB
fsr-3486	295	21	.	.	PUNCT
fsr-3486	296	1	human	human	ADJ
fsr-3486	296	2	capital	capital	NOUN
fsr-3486	296	3	theory	theory	NOUN
fsr-3486	296	4	would	would	AUX
fsr-3486	296	5	indicate	indicate	VERB
fsr-3486	296	6	that	that	SCONJ
fsr-3486	296	7	more	more	ADV
fsr-3486	296	8	educated	educate	VERB
fsr-3486	296	9	individuals	individual	NOUN
fsr-3486	296	10	may	may	AUX
fsr-3486	296	11	also	also	ADV
fsr-3486	296	12	invest	invest	VERB
fsr-3486	296	13	in	in	ADP
fsr-3486	296	14	either	either	CCONJ
fsr-3486	296	15	their	their	PRON
fsr-3486	296	16	own	own	ADJ
fsr-3486	296	17	financial	financial	ADJ
fsr-3486	296	18	literacy	literacy	NOUN
fsr-3486	296	19	or	or	CCONJ
fsr-3486	296	20	renting	rent	VERB
fsr-3486	296	21	someone	someone	PRON
fsr-3486	296	22	else	else	ADV
fsr-3486	296	23	’s	’s	PART
fsr-3486	296	24	human	human	ADJ
fsr-3486	296	25	capital	capital	NOUN
fsr-3486	296	26	.	.	PUNCT
fsr-3486	297	1	by	by	ADP
fsr-3486	297	2	choosing	choose	VERB
fsr-3486	297	3	the	the	DET
fsr-3486	297	4	the	the	DET
fsr-3486	297	5	comprehensive	comprehensive	ADJ
fsr-3486	297	6	level	level	NOUN
fsr-3486	297	7	of	of	ADP
fsr-3486	297	8	financial	financial	ADJ
fsr-3486	297	9	planning	planning	NOUN
fsr-3486	297	10	they	they	PRON
fsr-3486	297	11	are	be	AUX
fsr-3486	297	12	combining	combine	VERB
fsr-3486	297	13	their	their	PRON
fsr-3486	297	14	own	own	ADJ
fsr-3486	297	15	human	human	ADJ
fsr-3486	297	16	capital	capital	NOUN
fsr-3486	297	17	with	with	ADP
fsr-3486	297	18	that	that	PRON
fsr-3486	297	19	of	of	ADP
fsr-3486	297	20	a	a	DET
fsr-3486	297	21	professional	professional	NOUN
fsr-3486	297	22	to	to	PART
fsr-3486	297	23	obtain	obtain	VERB
fsr-3486	297	24	the	the	DET
fsr-3486	297	25	best	good	ADJ
fsr-3486	297	26	decision	decision	NOUN
fsr-3486	297	27	-	-	PUNCT
fsr-3486	297	28	making	make	VERB
fsr-3486	297	29	set	set	NOUN
fsr-3486	297	30	.	.	PUNCT
fsr-3486	298	1	our	our	PRON
fsr-3486	298	2	results	result	NOUN
fsr-3486	298	3	indicate	indicate	VERB
fsr-3486	298	4	that	that	SCONJ
fsr-3486	298	5	there	there	PRON
fsr-3486	298	6	may	may	AUX
fsr-3486	298	7	be	be	AUX
fsr-3486	298	8	some	some	DET
fsr-3486	298	9	value	value	NOUN
fsr-3486	298	10	in	in	ADP
fsr-3486	298	11	providing	provide	VERB
fsr-3486	298	12	broad	broad	ADV
fsr-3486	298	13	-	-	PUNCT
fsr-3486	298	14	based	base	VERB
fsr-3486	298	15	financial	financial	ADJ
fsr-3486	298	16	education	education	NOUN
fsr-3486	298	17	that	that	PRON
fsr-3486	298	18	is	be	AUX
fsr-3486	298	19	tilted	tilt	VERB
fsr-3486	298	20	towards	towards	ADP
fsr-3486	298	21	the	the	DET
fsr-3486	298	22	value	value	NOUN
fsr-3486	298	23	of	of	ADP
fsr-3486	298	24	planning	planning	NOUN
fsr-3486	298	25	and	and	CCONJ
fsr-3486	298	26	how	how	SCONJ
fsr-3486	298	27	to	to	PART
fsr-3486	298	28	select	select	VERB
fsr-3486	298	29	a	a	DET
fsr-3486	298	30	quality	quality	NOUN
fsr-3486	298	31	advisor	advisor	NOUN
fsr-3486	298	32	where	where	SCONJ
fsr-3486	298	33	the	the	DET
fsr-3486	298	34	costs	cost	NOUN
fsr-3486	298	35	of	of	ADP
fsr-3486	298	36	human	human	ADJ
fsr-3486	298	37	capital	capital	NOUN
fsr-3486	298	38	acquisition	acquisition	NOUN
fsr-3486	298	39	are	be	AUX
fsr-3486	298	40	high.this	high.this	PRON
fsr-3486	298	41	may	may	AUX
fsr-3486	298	42	be	be	AUX
fsr-3486	298	43	especially	especially	ADV
fsr-3486	298	44	valuable	valuable	ADJ
fsr-3486	298	45	for	for	ADP
fsr-3486	298	46	those	those	PRON
fsr-3486	298	47	that	that	PRON
fsr-3486	298	48	do	do	AUX
fsr-3486	298	49	not	not	PART
fsr-3486	298	50	want	want	VERB
fsr-3486	298	51	to	to	PART
fsr-3486	298	52	make	make	VERB
fsr-3486	298	53	heavy	heavy	ADJ
fsr-3486	298	54	investments	investment	NOUN
fsr-3486	298	55	in	in	ADP
fsr-3486	298	56	the	the	DET
fsr-3486	298	57	human	human	ADJ
fsr-3486	298	58	capital	capital	NOUN
fsr-3486	298	59	required	require	VERB
fsr-3486	298	60	to	to	PART
fsr-3486	298	61	make	make	VERB
fsr-3486	298	62	quality	quality	NOUN
fsr-3486	298	63	decision	decision	NOUN
fsr-3486	298	64	in	in	ADP
fsr-3486	298	65	complex	complex	ADJ
fsr-3486	298	66	domains	domain	NOUN
fsr-3486	298	67	.	.	PUNCT
fsr-3486	299	1	this	this	DET
fsr-3486	299	2	type	type	NOUN
fsr-3486	299	3	of	of	ADP
fsr-3486	299	4	education	education	NOUN
fsr-3486	299	5	could	could	AUX
fsr-3486	299	6	make	make	VERB
fsr-3486	299	7	the	the	DET
fsr-3486	299	8	delegation	delegation	NOUN
fsr-3486	299	9	decision	decision	NOUN
fsr-3486	299	10	more	more	ADV
fsr-3486	299	11	efficient	efficient	ADJ
fsr-3486	299	12	,	,	PUNCT
fsr-3486	299	13	while	while	SCONJ
fsr-3486	299	14	also	also	ADV
fsr-3486	299	15	increasing	increase	VERB
fsr-3486	299	16	the	the	DET
fsr-3486	299	17	demand	demand	NOUN
fsr-3486	299	18	for	for	ADP
fsr-3486	299	19	quality	quality	NOUN
fsr-3486	299	20	professional	professional	ADJ
fsr-3486	299	21	advice	advice	NOUN
fsr-3486	299	22	.	.	PUNCT
fsr-3486	300	1	while	while	SCONJ
fsr-3486	300	2	we	we	PRON
fsr-3486	300	3	note	note	VERB
fsr-3486	300	4	that	that	SCONJ
fsr-3486	300	5	increased	increase	VERB
fsr-3486	300	6	financial	financial	ADJ
fsr-3486	300	7	literacy	literacy	NOUN
fsr-3486	300	8	is	be	AUX
fsr-3486	300	9	associated	associate	VERB
fsr-3486	300	10	with	with	ADP
fsr-3486	300	11	comprehensive	comprehensive	ADJ
fsr-3486	300	12	financial	financial	ADJ
fsr-3486	300	13	planning	planning	NOUN
fsr-3486	300	14	,	,	PUNCT
fsr-3486	300	15	we	we	PRON
fsr-3486	300	16	also	also	ADV
fsr-3486	300	17	note	note	VERB
fsr-3486	300	18	that	that	SCONJ
fsr-3486	300	19	respondents	respondent	NOUN
fsr-3486	300	20	have	have	AUX
fsr-3486	300	21	seen	see	VERB
fsr-3486	300	22	the	the	DET
fsr-3486	300	23	questions	question	NOUN
fsr-3486	300	24	in	in	ADP
fsr-3486	300	25	prior	prior	ADJ
fsr-3486	300	26	surveys	survey	NOUN
fsr-3486	300	27	.	.	PUNCT
fsr-3486	301	1	we	we	PRON
fsr-3486	301	2	may	may	AUX
fsr-3486	301	3	be	be	AUX
fsr-3486	301	4	observing	observe	VERB
fsr-3486	301	5	a	a	DET
fsr-3486	301	6	bit	bit	NOUN
fsr-3486	301	7	of	of	ADP
fsr-3486	301	8	the	the	DET
fsr-3486	301	9	learning	learning	NOUN
fsr-3486	301	10	effect	effect	NOUN
fsr-3486	301	11	here	here	ADV
fsr-3486	301	12	if	if	SCONJ
fsr-3486	301	13	respondents	respondent	NOUN
fsr-3486	301	14	have	have	AUX
fsr-3486	301	15	simply	simply	ADV
fsr-3486	301	16	remembered	remember	VERB
fsr-3486	301	17	the	the	DET
fsr-3486	301	18	l.	l.	PROPN
fsr-3486	301	19	a.	a.	PROPN
fsr-3486	301	20	v.	v.	PROPN
fsr-3486	301	21	augustin	augustin	PROPN
fsr-3486	301	22	and	and	CCONJ
fsr-3486	301	23	t.	t.	PROPN
fsr-3486	301	24	k.	k.	PROPN
fsr-3486	301	25	martin	martin	PROPN
fsr-3486	301	26	/	/	SYM
fsr-3486	301	27	financial	financial	ADJ
fsr-3486	301	28	services	service	NOUN
fsr-3486	301	29	review	review	VERB
fsr-3486	301	30	30	30	NUM
fsr-3486	301	31	(	(	PUNCT
fsr-3486	301	32	2022	2022	NUM
fsr-3486	301	33	)	)	PUNCT
fsr-3486	301	34	205–222	205–222	NUM
fsr-3486	301	35	219	219	NUM
fsr-3486	301	36	questions	question	NOUN
fsr-3486	301	37	.	.	PUNCT
fsr-3486	302	1	this	this	PRON
fsr-3486	302	2	is	be	AUX
fsr-3486	302	3	a	a	DET
fsr-3486	302	4	limitation	limitation	NOUN
fsr-3486	302	5	of	of	ADP
fsr-3486	302	6	the	the	DET
fsr-3486	302	7	current	current	ADJ
fsr-3486	302	8	study	study	NOUN
fsr-3486	302	9	.	.	PUNCT
fsr-3486	303	1	future	future	ADJ
fsr-3486	303	2	research	research	NOUN
fsr-3486	303	3	may	may	AUX
fsr-3486	303	4	want	want	VERB
fsr-3486	303	5	to	to	PART
fsr-3486	303	6	assess	assess	VERB
fsr-3486	303	7	the	the	DET
fsr-3486	303	8	level	level	NOUN
fsr-3486	303	9	of	of	ADP
fsr-3486	303	10	financial	financial	ADJ
fsr-3486	303	11	planning	planning	NOUN
fsr-3486	303	12	with	with	ADP
fsr-3486	303	13	different	different	ADJ
fsr-3486	303	14	literacy	literacy	NOUN
fsr-3486	303	15	questions	question	NOUN
fsr-3486	303	16	or	or	CCONJ
fsr-3486	303	17	with	with	ADP
fsr-3486	303	18	a	a	DET
fsr-3486	303	19	different	different	ADJ
fsr-3486	303	20	sample	sample	NOUN
fsr-3486	303	21	.	.	PUNCT
fsr-3486	304	1	the	the	DET
fsr-3486	304	2	respondents	respondent	NOUN
fsr-3486	304	3	in	in	ADP
fsr-3486	304	4	this	this	DET
fsr-3486	304	5	survey	survey	NOUN
fsr-3486	304	6	have	have	AUX
fsr-3486	304	7	seen	see	VERB
fsr-3486	304	8	the	the	DET
fsr-3486	304	9	questions	question	NOUN
fsr-3486	304	10	in	in	ADP
fsr-3486	304	11	prior	prior	ADJ
fsr-3486	304	12	years	year	NOUN
fsr-3486	304	13	and	and	CCONJ
fsr-3486	304	14	the	the	DET
fsr-3486	304	15	responses	response	NOUN
fsr-3486	304	16	may	may	AUX
fsr-3486	304	17	not	not	PART
fsr-3486	304	18	be	be	AUX
fsr-3486	304	19	capturing	capture	VERB
fsr-3486	304	20	true	true	ADJ
fsr-3486	304	21	financial	financial	ADJ
fsr-3486	304	22	literacy	literacy	NOUN
fsr-3486	304	23	but	but	CCONJ
fsr-3486	304	24	rather	rather	ADV
fsr-3486	304	25	memorization	memorization	NOUN
fsr-3486	304	26	of	of	ADP
fsr-3486	304	27	the	the	DET
fsr-3486	304	28	answers	answer	NOUN
fsr-3486	304	29	.	.	PUNCT
fsr-3486	305	1	appendix	appendix	VERB
fsr-3486	305	2	a	a	DET
fsr-3486	305	3	:	:	PUNCT
fsr-3486	305	4	financial	financial	ADJ
fsr-3486	305	5	literacy	literacy	NOUN
fsr-3486	305	6	questions	question	NOUN
fsr-3486	305	7	1	1	NUM
fsr-3486	305	8	.	.	PUNCT
fsr-3486	305	9	suppose	suppose	VERB
fsr-3486	305	10	you	you	PRON
fsr-3486	305	11	had	have	VERB
fsr-3486	305	12	$	$	SYM
fsr-3486	305	13	100	100	NUM
fsr-3486	305	14	in	in	ADP
fsr-3486	305	15	a	a	DET
fsr-3486	305	16	savings	saving	NOUN
fsr-3486	305	17	account	account	NOUN
fsr-3486	305	18	and	and	CCONJ
fsr-3486	305	19	the	the	DET
fsr-3486	305	20	interest	interest	NOUN
fsr-3486	305	21	rate	rate	NOUN
fsr-3486	305	22	was	be	AUX
fsr-3486	305	23	2	2	NUM
fsr-3486	305	24	%	%	NOUN
fsr-3486	305	25	per	per	ADP
fsr-3486	305	26	year	year	NOUN
fsr-3486	305	27	.	.	PUNCT
fsr-3486	306	1	after	after	ADP
fsr-3486	306	2	5	5	NUM
fsr-3486	306	3	years	year	NOUN
fsr-3486	306	4	,	,	PUNCT
fsr-3486	306	5	how	how	SCONJ
fsr-3486	306	6	much	much	ADJ
fsr-3486	306	7	do	do	AUX
fsr-3486	306	8	you	you	PRON
fsr-3486	306	9	think	think	VERB
fsr-3486	306	10	you	you	PRON
fsr-3486	306	11	would	would	AUX
fsr-3486	306	12	have	have	VERB
fsr-3486	306	13	in	in	ADP
fsr-3486	306	14	the	the	DET
fsr-3486	306	15	account	account	NOUN
fsr-3486	306	16	if	if	SCONJ
fsr-3486	306	17	you	you	PRON
fsr-3486	306	18	left	leave	VERB
fsr-3486	306	19	the	the	DET
fsr-3486	306	20	money	money	NOUN
fsr-3486	306	21	to	to	PART
fsr-3486	306	22	grow	grow	VERB
fsr-3486	306	23	:	:	PUNCT
fsr-3486	306	24	more	more	ADJ
fsr-3486	306	25	than	than	ADP
fsr-3486	306	26	$	$	SYM
fsr-3486	306	27	102	102	NUM
fsr-3486	306	28	,	,	PUNCT
fsr-3486	306	29	exactly	exactly	ADV
fsr-3486	306	30	$	$	SYM
fsr-3486	306	31	102	102	NUM
fsr-3486	306	32	,	,	PUNCT
fsr-3486	306	33	less	less	ADJ
fsr-3486	306	34	than	than	ADP
fsr-3486	306	35	$	$	SYM
fsr-3486	306	36	102	102	NUM
fsr-3486	306	37	?	?	SYM
fsr-3486	307	1	2	2	X
fsr-3486	307	2	.	.	X
fsr-3486	307	3	imagine	imagine	VERB
fsr-3486	307	4	that	that	SCONJ
fsr-3486	307	5	the	the	DET
fsr-3486	307	6	interest	interest	NOUN
fsr-3486	307	7	rate	rate	NOUN
fsr-3486	307	8	on	on	ADP
fsr-3486	307	9	your	your	PRON
fsr-3486	307	10	savings	saving	NOUN
fsr-3486	307	11	account	account	NOUN
fsr-3486	307	12	was	be	AUX
fsr-3486	307	13	1	1	NUM
fsr-3486	307	14	%	%	NOUN
fsr-3486	307	15	per	per	ADP
fsr-3486	307	16	year	year	NOUN
fsr-3486	307	17	and	and	CCONJ
fsr-3486	307	18	inflation	inflation	NOUN
fsr-3486	307	19	was	be	AUX
fsr-3486	307	20	2	2	NUM
fsr-3486	307	21	%	%	NOUN
fsr-3486	307	22	per	per	ADP
fsr-3486	307	23	year	year	NOUN
fsr-3486	307	24	.	.	PUNCT
fsr-3486	308	1	after	after	ADP
fsr-3486	308	2	1	1	NUM
fsr-3486	308	3	year	year	NOUN
fsr-3486	308	4	,	,	PUNCT
fsr-3486	308	5	would	would	AUX
fsr-3486	308	6	you	you	PRON
fsr-3486	308	7	be	be	AUX
fsr-3486	308	8	able	able	ADJ
fsr-3486	308	9	to	to	PART
fsr-3486	308	10	buy	buy	VERB
fsr-3486	308	11	more	more	ADJ
fsr-3486	308	12	than	than	ADP
fsr-3486	308	13	,	,	PUNCT
fsr-3486	308	14	exactly	exactly	ADV
fsr-3486	308	15	the	the	DET
fsr-3486	308	16	same	same	ADJ
fsr-3486	308	17	as	as	ADP
fsr-3486	308	18	,	,	PUNCT
fsr-3486	308	19	or	or	CCONJ
fsr-3486	308	20	less	less	ADJ
fsr-3486	308	21	than	than	ADP
fsr-3486	308	22	today	today	NOUN
fsr-3486	308	23	with	with	ADP
fsr-3486	308	24	the	the	DET
fsr-3486	308	25	money	money	NOUN
fsr-3486	308	26	in	in	ADP
fsr-3486	308	27	this	this	DET
fsr-3486	308	28	account	account	NOUN
fsr-3486	308	29	?	?	PUNCT
fsr-3486	309	1	3	3	X
fsr-3486	309	2	.	.	X
fsr-3486	309	3	do	do	AUX
fsr-3486	309	4	you	you	PRON
fsr-3486	309	5	think	think	VERB
fsr-3486	309	6	that	that	SCONJ
fsr-3486	309	7	the	the	DET
fsr-3486	309	8	following	follow	VERB
fsr-3486	309	9	statement	statement	NOUN
fsr-3486	309	10	is	be	AUX
fsr-3486	309	11	true	true	ADJ
fsr-3486	309	12	or	or	CCONJ
fsr-3486	309	13	false	false	ADJ
fsr-3486	309	14	?	?	PUNCT
fsr-3486	310	1	“	"	PUNCT
fsr-3486	310	2	buying	buy	VERB
fsr-3486	310	3	a	a	DET
fsr-3486	310	4	single	single	ADJ
fsr-3486	310	5	company	company	NOUN
fsr-3486	310	6	stock	stock	NOUN
fsr-3486	310	7	usually	usually	ADV
fsr-3486	310	8	provides	provide	VERB
fsr-3486	310	9	a	a	DET
fsr-3486	310	10	safer	safe	ADJ
fsr-3486	310	11	return	return	NOUN
fsr-3486	310	12	than	than	ADP
fsr-3486	310	13	a	a	DET
fsr-3486	310	14	stock	stock	NOUN
fsr-3486	310	15	mutual	mutual	ADJ
fsr-3486	310	16	fund	fund	NOUN
fsr-3486	310	17	.	.	PUNCT
fsr-3486	310	18	”	"	PUNCT
fsr-3486	311	1	appendix	appendix	VERB
fsr-3486	311	2	b	b	NOUN
fsr-3486	311	3	:	:	PUNCT
fsr-3486	311	4	levels	level	NOUN
fsr-3486	311	5	of	of	ADP
fsr-3486	311	6	financial	financial	ADJ
fsr-3486	311	7	planning	planning	NOUN
fsr-3486	311	8	questions	question	NOUN
fsr-3486	311	9	1	1	NUM
fsr-3486	311	10	.	.	PUNCT
fsr-3486	311	11	have	have	VERB
fsr-3486	311	12	you	you	PRON
fsr-3486	311	13	[	[	X
fsr-3486	311	14	or	or	CCONJ
fsr-3486	311	15	]	]	PUNCT
fsr-3486	311	16	[	[	X
fsr-3486	311	17	spouse	spouse	NOUN
fsr-3486	311	18	/	/	SYM
fsr-3486	311	19	partner	partner	NOUN
fsr-3486	311	20	’s	’s	PART
fsr-3486	311	21	name	name	NOUN
fsr-3486	311	22	]	]	PUNCT
fsr-3486	311	23	:	:	PUNCT
fsr-3486	311	24	“	"	PUNCT
fsr-3486	311	25	.	.	PUNCT
fsr-3486	311	26	.	.	PUNCT
fsr-3486	311	27	.	.	PUNCT
fsr-3486	312	1	ever	ever	ADV
fsr-3486	312	2	calculated	calculate	VERB
fsr-3486	312	3	how	how	SCONJ
fsr-3486	312	4	much	much	ADJ
fsr-3486	312	5	retirement	retirement	NOUN
fsr-3486	312	6	income	income	NOUN
fsr-3486	312	7	you	you	PRON
fsr-3486	312	8	would	would	AUX
fsr-3486	312	9	need	need	VERB
fsr-3486	312	10	at	at	ADP
fsr-3486	312	11	retirement	retirement	NOUN
fsr-3486	312	12	?	?	PUNCT
fsr-3486	312	13	”	"	PUNCT
fsr-3486	313	1	2	2	NUM
fsr-3486	313	2	.	.	X
fsr-3486	313	3	have	have	VERB
fsr-3486	313	4	you	you	PRON
fsr-3486	313	5	[	[	X
fsr-3486	313	6	or	or	CCONJ
fsr-3486	313	7	]	]	PUNCT
fsr-3486	313	8	[	[	X
fsr-3486	313	9	spouse	spouse	NOUN
fsr-3486	313	10	/	/	SYM
fsr-3486	313	11	partner	partner	NOUN
fsr-3486	313	12	’s	’s	PART
fsr-3486	313	13	name	name	NOUN
fsr-3486	313	14	]	]	PUNCT
fsr-3486	313	15	:	:	PUNCT
fsr-3486	313	16	“	"	PUNCT
fsr-3486	313	17	.	.	PUNCT
fsr-3486	313	18	.	.	PUNCT
fsr-3486	313	19	.	.	PUNCT
fsr-3486	314	1	consulted	consult	VERB
fsr-3486	314	2	a	a	DET
fsr-3486	314	3	financial	financial	ADJ
fsr-3486	314	4	planner	planner	NOUN
fsr-3486	314	5	about	about	ADP
fsr-3486	314	6	how	how	SCONJ
fsr-3486	314	7	to	to	PART
fsr-3486	314	8	plan	plan	VERB
fsr-3486	314	9	your	your	PRON
fsr-3486	314	10	finances	finance	NOUN
fsr-3486	314	11	after	after	ADP
fsr-3486	314	12	retirement	retirement	NOUN
fsr-3486	314	13	?	?	PUNCT
fsr-3486	314	14	”	"	PUNCT
fsr-3486	315	1	appendix	appendix	VERB
fsr-3486	315	2	c	c	NOUN
fsr-3486	315	3	:	:	PUNCT
fsr-3486	315	4	correlation	correlation	NOUN
fsr-3486	315	5	matrix	matrix	NOUN
fsr-3486	315	6	of	of	ADP
fsr-3486	315	7	level	level	NOUN
fsr-3486	315	8	of	of	ADP
fsr-3486	315	9	financial	financial	ADJ
fsr-3486	315	10	planning	planning	NOUN
fsr-3486	315	11	data	datum	NOUN
fsr-3486	315	12	group	group	NOUN
fsr-3486	315	13	literacy12	literacy12	NOUN
fsr-3486	315	14	race	race	NOUN
fsr-3486	315	15	sex	sex	NOUN
fsr-3486	315	16	incqt	incqt	ADJ
fsr-3486	315	17	netqt	netqt	ADJ
fsr-3486	315	18	edlevel	edlevel	NOUN
fsr-3486	315	19	ages1	ages1	NOUN
fsr-3486	315	20	marstatus	marstatus	PROPN
fsr-3486	315	21	group	group	NOUN
fsr-3486	315	22	1	1	NUM
fsr-3486	315	23	literacy12	literacy12	NOUN
fsr-3486	315	24	�	�	NOUN
fsr-3486	315	25	0.1787	0.1787	NUM
fsr-3486	315	26	1	1	NUM
fsr-3486	315	27	race	race	NOUN
fsr-3486	315	28	�	�	NOUN
fsr-3486	315	29	0.1306	0.1306	NUM
fsr-3486	315	30	0.1563	0.1563	NUM
fsr-3486	315	31	1	1	NUM
fsr-3486	315	32	sex	sex	NOUN
fsr-3486	315	33	�	�	PROPN
fsr-3486	315	34	0.0213	0.0213	NUM
fsr-3486	315	35	�	�	PROPN
fsr-3486	315	36	0.0987	0.0987	NUM
fsr-3486	315	37	�	�	NOUN
fsr-3486	316	1	0.0191	0.0191	NUM
fsr-3486	316	2	1	1	NUM
fsr-3486	316	3	incqt	incqt	ADJ
fsr-3486	316	4	�	�	PROPN
fsr-3486	316	5	0.2341	0.2341	NUM
fsr-3486	316	6	0.2142	0.2142	NUM
fsr-3486	316	7	0.1504	0.1504	NUM
fsr-3486	316	8	�	�	NOUN
fsr-3486	316	9	0.2254	0.2254	NUM
fsr-3486	316	10	1	1	NUM
fsr-3486	316	11	netqt	netqt	NOUN
fsr-3486	316	12	�	�	PROPN
fsr-3486	316	13	0.3372	0.3372	NUM
fsr-3486	316	14	0.2265	0.2265	NUM
fsr-3486	316	15	0.2732	0.2732	NUM
fsr-3486	316	16	�	�	NOUN
fsr-3486	316	17	0.0443	0.0443	NUM
fsr-3486	316	18	0.4175	0.4175	NUM
fsr-3486	316	19	1	1	NUM
fsr-3486	316	20	edlevel	edlevel	NOUN
fsr-3486	316	21	�	�	NOUN
fsr-3486	316	22	0.2962	0.2962	NUM
fsr-3486	316	23	0.242	0.242	NUM
fsr-3486	316	24	0.1792	0.1792	NUM
fsr-3486	316	25	0.0353	0.0353	NUM
fsr-3486	316	26	0.3256	0.3256	NUM
fsr-3486	316	27	0.3177	0.3177	NUM
fsr-3486	316	28	1	1	NUM
fsr-3486	316	29	ages1	ages1	ADJ
fsr-3486	316	30	�	�	PROPN
fsr-3486	316	31	0.075	0.075	NUM
fsr-3486	316	32	0.0151	0.0151	NUM
fsr-3486	316	33	�	�	NOUN
fsr-3486	316	34	0.0087	0.0087	NUM
fsr-3486	316	35	0.0145	0.0145	NUM
fsr-3486	316	36	�	�	PROPN
fsr-3486	316	37	0.0075	0.0075	NUM
fsr-3486	316	38	�	�	PROPN
fsr-3486	316	39	0.0082	0.0082	NUM
fsr-3486	316	40	0.0135	0.0135	NUM
fsr-3486	316	41	1	1	NUM
fsr-3486	316	42	marstatus	marstatus	NOUN
fsr-3486	316	43	�	�	NOUN
fsr-3486	316	44	0.1141	0.1141	NUM
fsr-3486	316	45	0.1045	0.1045	NUM
fsr-3486	316	46	0.1402	0.1402	NUM
fsr-3486	316	47	�	�	NOUN
fsr-3486	316	48	0.0444	0.0444	NUM
fsr-3486	316	49	0.1784	0.1784	NUM
fsr-3486	316	50	0.3187	0.3187	NUM
fsr-3486	316	51	0.1295	0.1295	NUM
fsr-3486	316	52	0.0148	0.0148	NUM
fsr-3486	316	53	1	1	NUM
fsr-3486	316	54	note	note	NOUN
fsr-3486	316	55	.	.	PUNCT
fsr-3486	317	1	literacy12	literacy12	NOUN
fsr-3486	318	1	=	=	NOUN
fsr-3486	318	2	literacy	literacy	NOUN
fsr-3486	318	3	questions	question	NOUN
fsr-3486	318	4	;	;	PUNCT
fsr-3486	318	5	incqt	incqt	ADJ
fsr-3486	318	6	=	=	PUNCT
fsr-3486	318	7	income	income	NOUN
fsr-3486	318	8	quartiles	quartile	NOUN
fsr-3486	318	9	;	;	PUNCT
fsr-3486	318	10	netqt	netqt	NOUN
fsr-3486	318	11	=	=	SYM
fsr-3486	318	12	net	net	ADJ
fsr-3486	318	13	worth	worth	ADJ
fsr-3486	318	14	quartiles	quartile	NOUN
fsr-3486	318	15	;	;	PUNCT
fsr-3486	318	16	edlevel	edlevel	NOUN
fsr-3486	318	17	=	=	SYM
fsr-3486	318	18	education	education	NOUN
fsr-3486	318	19	level	level	NOUN
fsr-3486	318	20	;	;	PUNCT
fsr-3486	318	21	ages1	ages1	NOUN
fsr-3486	318	22	=	=	SYM
fsr-3486	318	23	age	age	NOUN
fsr-3486	318	24	groups	group	NOUN
fsr-3486	318	25	;	;	PUNCT
fsr-3486	318	26	marstatus	marstatus	NOUN
fsr-3486	318	27	=	=	SYM
fsr-3486	318	28	marital	marital	ADJ
fsr-3486	318	29	status	status	NOUN
fsr-3486	318	30	.	.	PUNCT
fsr-3486	319	1	220	220	NUM
fsr-3486	319	2	l.	l.	PROPN
fsr-3486	319	3	a.	a.	PROPN
fsr-3486	319	4	v.	v.	PROPN
fsr-3486	319	5	augustin	augustin	PROPN
fsr-3486	319	6	and	and	CCONJ
fsr-3486	319	7	t.	t.	PROPN
fsr-3486	319	8	k.	k.	PROPN
fsr-3486	319	9	martin	martin	PROPN
fsr-3486	319	10	/	/	SYM
fsr-3486	319	11	financial	financial	ADJ
fsr-3486	319	12	services	service	NOUN
fsr-3486	319	13	review	review	VERB
fsr-3486	319	14	30	30	NUM
fsr-3486	319	15	(	(	PUNCT
fsr-3486	319	16	2022	2022	NUM
fsr-3486	319	17	)	)	PUNCT
fsr-3486	319	18	205–222	205–222	NUM
fsr-3486	319	19	references	reference	NOUN
fsr-3486	319	20	agnew	agnew	PROPN
fsr-3486	319	21	,	,	PUNCT
fsr-3486	319	22	j.	j.	PROPN
fsr-3486	319	23	r.	r.	PROPN
fsr-3486	319	24	,	,	PUNCT
fsr-3486	319	25	&	&	CCONJ
fsr-3486	319	26	szykman	szykman	PROPN
fsr-3486	319	27	,	,	PUNCT
fsr-3486	319	28	l.	l.	PROPN
fsr-3486	319	29	r.	r.	PROPN
fsr-3486	319	30	(	(	PUNCT
fsr-3486	319	31	2005	2005	NUM
fsr-3486	319	32	)	)	PUNCT
fsr-3486	319	33	.	.	PUNCT
fsr-3486	320	1	asset	asset	NOUN
fsr-3486	320	2	allocation	allocation	NOUN
fsr-3486	320	3	and	and	CCONJ
fsr-3486	320	4	information	information	NOUN
fsr-3486	320	5	overload	overload	NOUN
fsr-3486	320	6	:	:	PUNCT
fsr-3486	320	7	the	the	DET
fsr-3486	320	8	influence	influence	NOUN
fsr-3486	320	9	of	of	ADP
fsr-3486	320	10	information	information	NOUN
fsr-3486	320	11	display	display	NOUN
fsr-3486	320	12	,	,	PUNCT
fsr-3486	320	13	asset	asset	NOUN
fsr-3486	320	14	choice	choice	NOUN
fsr-3486	320	15	,	,	PUNCT
fsr-3486	320	16	and	and	CCONJ
fsr-3486	320	17	investor	investor	NOUN
fsr-3486	320	18	experience	experience	NOUN
fsr-3486	320	19	.	.	PUNCT
fsr-3486	321	1	journal	journal	NOUN
fsr-3486	321	2	of	of	ADP
fsr-3486	321	3	behavioral	behavioral	ADJ
fsr-3486	321	4	finance	finance	NOUN
fsr-3486	321	5	,	,	PUNCT
fsr-3486	321	6	6	6	NUM
fsr-3486	321	7	,	,	PUNCT
fsr-3486	321	8	57–70	57–70	NUM
fsr-3486	321	9	.	.	PUNCT
fsr-3486	322	1	https://doi.org/	https://doi.org/	VERB
fsr-3486	322	2	10.1207	10.1207	NUM
fsr-3486	322	3	/	/	SYM
fsr-3486	322	4	s15427579jpfm0602_2	s15427579jpfm0602_2	PROPN
fsr-3486	322	5	agnew	agnew	PROPN
fsr-3486	322	6	,	,	PUNCT
fsr-3486	322	7	j.	j.	PROPN
fsr-3486	322	8	r.	r.	PROPN
fsr-3486	322	9	,	,	PUNCT
fsr-3486	322	10	bateman	bateman	PROPN
fsr-3486	322	11	,	,	PUNCT
fsr-3486	322	12	h.	h.	PROPN
fsr-3486	322	13	,	,	PUNCT
fsr-3486	322	14	&	&	CCONJ
fsr-3486	322	15	thorp	thorp	PROPN
fsr-3486	322	16	,	,	PUNCT
fsr-3486	322	17	s.	s.	PROPN
fsr-3486	322	18	(	(	PUNCT
fsr-3486	322	19	2013	2013	NUM
fsr-3486	322	20	)	)	PUNCT
fsr-3486	322	21	.	.	PUNCT
fsr-3486	323	1	financial	financial	ADJ
fsr-3486	323	2	literacy	literacy	NOUN
fsr-3486	323	3	and	and	CCONJ
fsr-3486	323	4	retirement	retirement	NOUN
fsr-3486	323	5	planning	planning	NOUN
fsr-3486	323	6	in	in	ADP
fsr-3486	323	7	australia	australia	PROPN
fsr-3486	323	8	.	.	PUNCT
fsr-3486	324	1	numeracy	numeracy	NOUN
fsr-3486	324	2	,	,	PUNCT
fsr-3486	324	3	6(2	6(2	NUM
fsr-3486	324	4	)	)	PUNCT
fsr-3486	324	5	,	,	PUNCT
fsr-3486	324	6	article	article	NOUN
fsr-3486	324	7	7	7	NUM
fsr-3486	324	8	.	.	PUNCT
fsr-3486	325	1	https://doi.org/10.5038/1936-4660.6.2.7	https://doi.org/10.5038/1936-4660.6.2.7	DET
fsr-3486	325	2	agnew	agnew	PROPN
fsr-3486	325	3	,	,	PUNCT
fsr-3486	325	4	j.	j.	PROPN
fsr-3486	325	5	,	,	PUNCT
fsr-3486	325	6	&	&	CCONJ
fsr-3486	325	7	szykman	szykman	PROPN
fsr-3486	325	8	,	,	PUNCT
fsr-3486	325	9	l.	l.	PROPN
fsr-3486	325	10	(	(	PUNCT
fsr-3486	325	11	2011	2011	NUM
fsr-3486	325	12	)	)	PUNCT
fsr-3486	325	13	.	.	PUNCT
fsr-3486	326	1	annuities	annuity	NOUN
fsr-3486	326	2	,	,	PUNCT
fsr-3486	326	3	financial	financial	ADJ
fsr-3486	326	4	literacy	literacy	NOUN
fsr-3486	326	5	,	,	PUNCT
fsr-3486	326	6	and	and	CCONJ
fsr-3486	326	7	information	information	NOUN
fsr-3486	326	8	overload	overload	NOUN
fsr-3486	326	9	.	.	PUNCT
fsr-3486	327	1	in	in	ADP
fsr-3486	327	2	o.	o.	PROPN
fsr-3486	327	3	s.	s.	PROPN
fsr-3486	327	4	mitchell	mitchell	PROPN
fsr-3486	327	5	&	&	CCONJ
fsr-3486	327	6	a.	a.	PROPN
fsr-3486	327	7	lusardi	lusardi	PROPN
fsr-3486	327	8	(	(	PUNCT
fsr-3486	327	9	eds	ed	NOUN
fsr-3486	327	10	.	.	PUNCT
fsr-3486	327	11	)	)	PUNCT
fsr-3486	327	12	,	,	PUNCT
fsr-3486	327	13	financial	financial	ADJ
fsr-3486	327	14	literacy	literacy	NOUN
fsr-3486	327	15	:	:	PUNCT
fsr-3486	327	16	implications	implication	NOUN
fsr-3486	327	17	for	for	ADP
fsr-3486	327	18	retirement	retirement	NOUN
fsr-3486	327	19	security	security	NOUN
fsr-3486	327	20	and	and	CCONJ
fsr-3486	327	21	the	the	DET
fsr-3486	327	22	financial	financial	ADJ
fsr-3486	327	23	marketplace	marketplace	NOUN
fsr-3486	327	24	(	(	PUNCT
fsr-3486	327	25	pp	pp	ADJ
fsr-3486	327	26	.	.	PUNCT
fsr-3486	328	1	158–178	158–178	NUM
fsr-3486	328	2	)	)	PUNCT
fsr-3486	328	3	.	.	PUNCT
fsr-3486	329	1	oxford	oxford	PROPN
fsr-3486	329	2	university	university	PROPN
fsr-3486	329	3	press	press	NOUN
fsr-3486	329	4	.	.	PUNCT
fsr-3486	330	1	bae	bae	PROPN
fsr-3486	330	2	,	,	PUNCT
fsr-3486	330	3	s.	s.	PROPN
fsr-3486	330	4	c.	c.	PROPN
fsr-3486	330	5	,	,	PUNCT
fsr-3486	330	6	&	&	CCONJ
fsr-3486	330	7	sandager	sandager	PROPN
fsr-3486	330	8	,	,	PUNCT
fsr-3486	330	9	j.	j.	PROPN
fsr-3486	330	10	p.	p.	PROPN
fsr-3486	330	11	(	(	PUNCT
fsr-3486	330	12	1997	1997	NUM
fsr-3486	330	13	)	)	PUNCT
fsr-3486	330	14	.	.	PUNCT
fsr-3486	331	1	what	what	PRON
fsr-3486	331	2	consumers	consumer	NOUN
fsr-3486	331	3	look	look	VERB
fsr-3486	331	4	for	for	ADP
fsr-3486	331	5	in	in	ADP
fsr-3486	331	6	financial	financial	ADJ
fsr-3486	331	7	planners	planner	NOUN
fsr-3486	331	8	.	.	PUNCT
fsr-3486	332	1	association	association	NOUN
fsr-3486	332	2	for	for	ADP
fsr-3486	332	3	financial	financial	ADJ
fsr-3486	332	4	counseling	counseling	NOUN
fsr-3486	332	5	and	and	CCONJ
fsr-3486	332	6	planning	planning	NOUN
fsr-3486	332	7	education	education	NOUN
fsr-3486	332	8	,	,	PUNCT
fsr-3486	332	9	8	8	NUM
fsr-3486	332	10	,	,	PUNCT
fsr-3486	332	11	9–16	9–16	NOUN
fsr-3486	332	12	.	.	PUNCT
fsr-3486	333	1	barber	barber	PROPN
fsr-3486	333	2	,	,	PUNCT
fsr-3486	333	3	b.	b.	PROPN
fsr-3486	333	4	m.	m.	PROPN
fsr-3486	333	5	,	,	PUNCT
fsr-3486	333	6	&	&	CCONJ
fsr-3486	333	7	odean	odean	ADJ
fsr-3486	333	8	,	,	PUNCT
fsr-3486	333	9	t.	t.	PROPN
fsr-3486	333	10	(	(	PUNCT
fsr-3486	333	11	2000	2000	NUM
fsr-3486	333	12	)	)	PUNCT
fsr-3486	333	13	.	.	PUNCT
fsr-3486	334	1	trading	trading	NOUN
fsr-3486	334	2	is	be	AUX
fsr-3486	334	3	hazardous	hazardous	ADJ
fsr-3486	334	4	to	to	ADP
fsr-3486	334	5	your	your	PRON
fsr-3486	334	6	wealth	wealth	NOUN
fsr-3486	334	7	:	:	PUNCT
fsr-3486	334	8	the	the	DET
fsr-3486	334	9	common	common	ADJ
fsr-3486	334	10	stock	stock	NOUN
fsr-3486	334	11	investment	investment	NOUN
fsr-3486	334	12	performance	performance	NOUN
fsr-3486	334	13	of	of	ADP
fsr-3486	334	14	individual	individual	ADJ
fsr-3486	334	15	investors	investor	NOUN
fsr-3486	334	16	.	.	PUNCT
fsr-3486	335	1	the	the	DET
fsr-3486	335	2	journal	journal	PROPN
fsr-3486	335	3	of	of	ADP
fsr-3486	335	4	finance	finance	NOUN
fsr-3486	335	5	,	,	PUNCT
fsr-3486	335	6	55	55	NUM
fsr-3486	335	7	,	,	PUNCT
fsr-3486	335	8	773–806	773–806	NUM
fsr-3486	335	9	.	.	PUNCT
fsr-3486	336	1	https://doi.org/10.1111/0022-1082.00226	https://doi.org/10.1111/0022-1082.00226	PROPN
fsr-3486	336	2	becker	becker	PROPN
fsr-3486	336	3	,	,	PUNCT
fsr-3486	336	4	g.	g.	PROPN
fsr-3486	336	5	(	(	PUNCT
fsr-3486	336	6	1994	1994	NUM
fsr-3486	336	7	)	)	PUNCT
fsr-3486	336	8	.	.	PUNCT
fsr-3486	337	1	human	human	ADJ
fsr-3486	337	2	capital	capital	NOUN
fsr-3486	337	3	revisited	revisit	VERB
fsr-3486	337	4	.	.	PUNCT
fsr-3486	338	1	journal	journal	PROPN
fsr-3486	338	2	of	of	ADP
fsr-3486	338	3	chemical	chemical	ADJ
fsr-3486	338	4	information	information	NOUN
fsr-3486	338	5	and	and	CCONJ
fsr-3486	338	6	modeling	modeling	NOUN
fsr-3486	338	7	,	,	PUNCT
fsr-3486	338	8	53	53	NUM
fsr-3486	338	9	,	,	PUNCT
fsr-3486	338	10	1689–1699	1689–1699	NUM
fsr-3486	338	11	.	.	PUNCT
fsr-3486	339	1	beshears	beshear	NOUN
fsr-3486	339	2	,	,	PUNCT
fsr-3486	339	3	j.	j.	PROPN
fsr-3486	339	4	,	,	PUNCT
fsr-3486	339	5	choi	choi	PROPN
fsr-3486	339	6	,	,	PUNCT
fsr-3486	339	7	j.	j.	PROPN
fsr-3486	339	8	j.	j.	PROPN
fsr-3486	339	9	,	,	PUNCT
fsr-3486	339	10	laibson	laibson	PROPN
fsr-3486	339	11	,	,	PUNCT
fsr-3486	339	12	d.	d.	PROPN
fsr-3486	339	13	,	,	PUNCT
fsr-3486	339	14	&	&	CCONJ
fsr-3486	339	15	madrian	madrian	PROPN
fsr-3486	339	16	,	,	PUNCT
fsr-3486	339	17	b.	b.	PROPN
fsr-3486	339	18	c.	c.	PROPN
fsr-3486	339	19	(	(	PUNCT
fsr-3486	339	20	2009	2009	NUM
fsr-3486	339	21	)	)	PUNCT
fsr-3486	339	22	.	.	PUNCT
fsr-3486	340	1	the	the	DET
fsr-3486	340	2	importance	importance	NOUN
fsr-3486	340	3	of	of	ADP
fsr-3486	340	4	default	default	NOUN
fsr-3486	340	5	options	option	NOUN
fsr-3486	340	6	for	for	ADP
fsr-3486	340	7	retirement	retirement	NOUN
fsr-3486	340	8	saving	save	VERB
fsr-3486	340	9	outcomes	outcome	NOUN
fsr-3486	340	10	:	:	PUNCT
fsr-3486	340	11	evidence	evidence	NOUN
fsr-3486	340	12	from	from	ADP
fsr-3486	340	13	the	the	DET
fsr-3486	340	14	united	united	PROPN
fsr-3486	340	15	states	states	PROPN
fsr-3486	340	16	.	.	PUNCT
fsr-3486	341	1	in	in	ADP
fsr-3486	341	2	social	social	ADJ
fsr-3486	341	3	security	security	NOUN
fsr-3486	341	4	policy	policy	NOUN
fsr-3486	341	5	in	in	ADP
fsr-3486	341	6	a	a	DET
fsr-3486	341	7	changing	change	VERB
fsr-3486	341	8	environment	environment	NOUN
fsr-3486	341	9	(	(	PUNCT
fsr-3486	341	10	pp	pp	ADJ
fsr-3486	341	11	.	.	PUNCT
fsr-3486	342	1	167–195	167–195	NUM
fsr-3486	342	2	)	)	PUNCT
fsr-3486	342	3	.	.	PUNCT
fsr-3486	343	1	national	national	PROPN
fsr-3486	343	2	bureau	bureau	PROPN
fsr-3486	343	3	of	of	ADP
fsr-3486	343	4	economic	economic	ADJ
fsr-3486	343	5	research	research	PROPN
fsr-3486	343	6	,	,	PUNCT
fsr-3486	343	7	inc	inc	PROPN
fsr-3486	343	8	.	.	PROPN
fsr-3486	343	9	blundell	blundell	PROPN
fsr-3486	343	10	,	,	PUNCT
fsr-3486	343	11	r.	r.	PROPN
fsr-3486	343	12	,	,	PUNCT
fsr-3486	343	13	dearden	dearden	ADV
fsr-3486	343	14	,	,	PUNCT
fsr-3486	343	15	l.	l.	PROPN
fsr-3486	343	16	,	,	PUNCT
fsr-3486	343	17	meghir	meghir	NOUN
fsr-3486	343	18	,	,	PUNCT
fsr-3486	343	19	c.	c.	PROPN
fsr-3486	343	20	,	,	PUNCT
fsr-3486	343	21	&	&	CCONJ
fsr-3486	343	22	sianesi	sianesi	PROPN
fsr-3486	343	23	,	,	PUNCT
fsr-3486	343	24	b.	b.	PROPN
fsr-3486	343	25	(	(	PUNCT
fsr-3486	343	26	1999	1999	NUM
fsr-3486	343	27	)	)	PUNCT
fsr-3486	343	28	.	.	PUNCT
fsr-3486	344	1	human	human	ADJ
fsr-3486	344	2	capital	capital	NOUN
fsr-3486	344	3	investment	investment	NOUN
fsr-3486	344	4	:	:	PUNCT
fsr-3486	344	5	the	the	DET
fsr-3486	344	6	returns	return	NOUN
fsr-3486	344	7	from	from	ADP
fsr-3486	344	8	education	education	NOUN
fsr-3486	344	9	and	and	CCONJ
fsr-3486	344	10	the	the	DET
fsr-3486	344	11	economy	economy	NOUN
fsr-3486	344	12	.	.	PUNCT
fsr-3486	345	1	fiscal	fiscal	ADJ
fsr-3486	345	2	studies	study	NOUN
fsr-3486	345	3	,	,	PUNCT
fsr-3486	345	4	20	20	NUM
fsr-3486	345	5	,	,	PUNCT
fsr-3486	345	6	1–23	1–23	NOUN
fsr-3486	345	7	.	.	PUNCT
fsr-3486	346	1	https://doi.org/10.1111/j.1475-5890.1999.tb00001.x	https://doi.org/10.1111/j.1475-5890.1999.tb00001.x	PROPN
fsr-3486	346	2	butrica	butrica	PROPN
fsr-3486	346	3	,	,	PUNCT
fsr-3486	346	4	b.	b.	PROPN
fsr-3486	346	5	a.	a.	PROPN
fsr-3486	346	6	,	,	PUNCT
fsr-3486	346	7	goldwyn	goldwyn	NOUN
fsr-3486	346	8	,	,	PUNCT
fsr-3486	346	9	j.	j.	PROPN
fsr-3486	346	10	h.	h.	PROPN
fsr-3486	346	11	,	,	PUNCT
fsr-3486	346	12	&	&	CCONJ
fsr-3486	346	13	johnson	johnson	PROPN
fsr-3486	346	14	,	,	PUNCT
fsr-3486	346	15	r.	r.	PROPN
fsr-3486	346	16	w.	w.	PROPN
fsr-3486	346	17	(	(	PUNCT
fsr-3486	346	18	2005	2005	NUM
fsr-3486	346	19	)	)	PUNCT
fsr-3486	346	20	.	.	PUNCT
fsr-3486	347	1	understanding	understand	VERB
fsr-3486	347	2	expenditure	expenditure	NOUN
fsr-3486	347	3	patterns	pattern	NOUN
fsr-3486	347	4	in	in	ADP
fsr-3486	347	5	retirement	retirement	NOUN
fsr-3486	347	6	.	.	PUNCT
fsr-3486	348	1	working	work	VERB
fsr-3486	348	2	paper	paper	NOUN
fsr-3486	348	3	.	.	PUNCT
fsr-3486	349	1	center	center	NOUN
fsr-3486	349	2	for	for	ADP
fsr-3486	349	3	retirement	retirement	NOUN
fsr-3486	349	4	research	research	NOUN
fsr-3486	349	5	at	at	ADP
fsr-3486	349	6	boston	boston	PROPN
fsr-3486	349	7	college	college	PROPN
fsr-3486	349	8	.	.	PUNCT
fsr-3486	350	1	calcagno	calcagno	PROPN
fsr-3486	350	2	,	,	PUNCT
fsr-3486	350	3	r.	r.	PROPN
fsr-3486	350	4	,	,	PUNCT
fsr-3486	350	5	&	&	CCONJ
fsr-3486	350	6	monticone	monticone	PROPN
fsr-3486	350	7	,	,	PUNCT
fsr-3486	350	8	c.	c.	PROPN
fsr-3486	350	9	(	(	PUNCT
fsr-3486	350	10	2015	2015	NUM
fsr-3486	350	11	)	)	PUNCT
fsr-3486	350	12	.	.	PUNCT
fsr-3486	351	1	financial	financial	ADJ
fsr-3486	351	2	literacy	literacy	NOUN
fsr-3486	351	3	and	and	CCONJ
fsr-3486	351	4	the	the	DET
fsr-3486	351	5	demand	demand	NOUN
fsr-3486	351	6	for	for	ADP
fsr-3486	351	7	financial	financial	ADJ
fsr-3486	351	8	advice	advice	NOUN
fsr-3486	351	9	.	.	PUNCT
fsr-3486	352	1	journal	journal	NOUN
fsr-3486	352	2	of	of	ADP
fsr-3486	352	3	banking	banking	NOUN
fsr-3486	352	4	&	&	CCONJ
fsr-3486	352	5	finance	finance	PROPN
fsr-3486	352	6	,	,	PUNCT
fsr-3486	352	7	50	50	NUM
fsr-3486	352	8	,	,	PUNCT
fsr-3486	352	9	363–380	363–380	NUM
fsr-3486	352	10	.	.	PUNCT
fsr-3486	353	1	https://doi.org/10.1016/j.jbankfin.2014.03.013	https://doi.org/10.1016/j.jbankfin.2014.03.013	PROPN
fsr-3486	353	2	campbell	campbell	PROPN
fsr-3486	353	3	,	,	PUNCT
fsr-3486	353	4	j.	j.	PROPN
fsr-3486	353	5	y.	y.	PROPN
fsr-3486	353	6	(	(	PUNCT
fsr-3486	353	7	2006	2006	NUM
fsr-3486	353	8	)	)	PUNCT
fsr-3486	353	9	.	.	PUNCT
fsr-3486	354	1	household	household	NOUN
fsr-3486	354	2	finance	finance	NOUN
fsr-3486	354	3	.	.	PUNCT
fsr-3486	355	1	the	the	DET
fsr-3486	355	2	journal	journal	PROPN
fsr-3486	355	3	of	of	ADP
fsr-3486	355	4	finance	finance	NOUN
fsr-3486	355	5	,	,	PUNCT
fsr-3486	355	6	61	61	NUM
fsr-3486	355	7	,	,	PUNCT
fsr-3486	355	8	1553–1604	1553–1604	NUM
fsr-3486	355	9	.	.	PUNCT
fsr-3486	356	1	https://doi.org/10.1111/	https://doi.org/10.1111/	PROPN
fsr-3486	356	2	j.1540	j.1540	PROPN
fsr-3486	356	3	-	-	PUNCT
fsr-3486	356	4	6261.2006.00883.x	6261.2006.00883.x	PROPN
fsr-3486	356	5	chen	chen	PROPN
fsr-3486	356	6	,	,	PUNCT
fsr-3486	356	7	h.	h.	PROPN
fsr-3486	356	8	,	,	PUNCT
fsr-3486	356	9	&	&	CCONJ
fsr-3486	356	10	volpe	volpe	PROPN
fsr-3486	356	11	,	,	PUNCT
fsr-3486	356	12	r.	r.	PROPN
fsr-3486	356	13	p.	p.	PROPN
fsr-3486	356	14	(	(	PUNCT
fsr-3486	356	15	1998	1998	NUM
fsr-3486	356	16	)	)	PUNCT
fsr-3486	356	17	.	.	PUNCT
fsr-3486	357	1	an	an	DET
fsr-3486	357	2	analysis	analysis	NOUN
fsr-3486	357	3	of	of	ADP
fsr-3486	357	4	personal	personal	ADJ
fsr-3486	357	5	financial	financial	ADJ
fsr-3486	357	6	literacy	literacy	NOUN
fsr-3486	357	7	among	among	ADP
fsr-3486	357	8	college	college	NOUN
fsr-3486	357	9	students	student	NOUN
fsr-3486	357	10	.	.	PUNCT
fsr-3486	358	1	financial	financial	ADJ
fsr-3486	358	2	services	service	NOUN
fsr-3486	358	3	review	review	PROPN
fsr-3486	358	4	,	,	PUNCT
fsr-3486	358	5	7	7	NUM
fsr-3486	358	6	,	,	PUNCT
fsr-3486	358	7	107–128	107–128	NUM
fsr-3486	358	8	.	.	PUNCT
fsr-3486	359	1	https://doi.org/10.1016/s1057-0810(99)80006-7	https://doi.org/10.1016/s1057-0810(99)80006-7	PROPN
fsr-3486	359	2	clark	clark	PROPN
fsr-3486	359	3	,	,	PUNCT
fsr-3486	359	4	r.	r.	PROPN
fsr-3486	359	5	l.	l.	PROPN
fsr-3486	359	6	,	,	PUNCT
fsr-3486	359	7	&	&	CCONJ
fsr-3486	359	8	d’ambrosio	d’ambrosio	PROPN
fsr-3486	359	9	,	,	PUNCT
fsr-3486	359	10	m.	m.	NOUN
fsr-3486	359	11	(	(	PUNCT
fsr-3486	359	12	2003	2003	NUM
fsr-3486	359	13	)	)	PUNCT
fsr-3486	359	14	.	.	PUNCT
fsr-3486	360	1	financial	financial	ADJ
fsr-3486	360	2	education	education	NOUN
fsr-3486	360	3	and	and	CCONJ
fsr-3486	360	4	retirement	retirement	NOUN
fsr-3486	360	5	savings	saving	NOUN
fsr-3486	360	6	.	.	PUNCT
fsr-3486	361	1	social	social	ADJ
fsr-3486	361	2	science	science	PROPN
fsr-3486	361	3	research	research	NOUN
fsr-3486	361	4	network	network	NOUN
fsr-3486	361	5	.	.	PUNCT
fsr-3486	362	1	available	available	ADJ
fsr-3486	362	2	at	at	ADP
fsr-3486	362	3	ssrn	ssrn	NOUN
fsr-3486	362	4	390642	390642	NUM
fsr-3486	362	5	.	.	PUNCT
fsr-3486	363	1	http://dx.doi.org/10.2139/ssrn.390642	http://dx.doi.org/10.2139/ssrn.390642	PROPN
fsr-3486	363	2	cole	cole	PROPN
fsr-3486	363	3	,	,	PUNCT
fsr-3486	363	4	s.	s.	PROPN
fsr-3486	363	5	,	,	PUNCT
fsr-3486	363	6	sampson	sampson	PROPN
fsr-3486	363	7	,	,	PUNCT
fsr-3486	363	8	t.	t.	PROPN
fsr-3486	363	9	,	,	PUNCT
fsr-3486	363	10	&	&	CCONJ
fsr-3486	363	11	zia	zia	PROPN
fsr-3486	363	12	,	,	PUNCT
fsr-3486	363	13	b.	b.	PROPN
fsr-3486	363	14	(	(	PUNCT
fsr-3486	363	15	2010	2010	NUM
fsr-3486	363	16	)	)	PUNCT
fsr-3486	363	17	.	.	PUNCT
fsr-3486	364	1	prices	price	NOUN
fsr-3486	364	2	or	or	CCONJ
fsr-3486	364	3	knowledge	knowledge	NOUN
fsr-3486	364	4	?	?	PUNCT
fsr-3486	365	1	what	what	PRON
fsr-3486	365	2	drives	drive	VERB
fsr-3486	365	3	demand	demand	NOUN
fsr-3486	365	4	for	for	ADP
fsr-3486	365	5	financial	financial	ADJ
fsr-3486	365	6	services	service	NOUN
fsr-3486	365	7	in	in	ADP
fsr-3486	365	8	emerging	emerge	VERB
fsr-3486	365	9	markets	market	NOUN
fsr-3486	365	10	?	?	PUNCT
fsr-3486	366	1	the	the	DET
fsr-3486	366	2	journal	journal	NOUN
fsr-3486	366	3	of	of	ADP
fsr-3486	366	4	finance	finance	NOUN
fsr-3486	366	5	,	,	PUNCT
fsr-3486	366	6	66	66	NUM
fsr-3486	366	7	,	,	PUNCT
fsr-3486	366	8	193	193	NUM
fsr-3486	366	9	.	.	PUNCT
fsr-3486	366	10	collins	collins	PROPN
fsr-3486	366	11	,	,	PUNCT
fsr-3486	366	12	j.	j.	PROPN
fsr-3486	366	13	m.	m.	PROPN
fsr-3486	366	14	(	(	PUNCT
fsr-3486	366	15	2012	2012	NUM
fsr-3486	366	16	)	)	PUNCT
fsr-3486	366	17	.	.	PUNCT
fsr-3486	367	1	financial	financial	ADJ
fsr-3486	367	2	advice	advice	NOUN
fsr-3486	367	3	:	:	PUNCT
fsr-3486	367	4	a	a	DET
fsr-3486	367	5	substitute	substitute	NOUN
fsr-3486	367	6	for	for	ADP
fsr-3486	367	7	financial	financial	ADJ
fsr-3486	367	8	literacy	literacy	NOUN
fsr-3486	367	9	?	?	PUNCT
fsr-3486	368	1	financial	financial	ADJ
fsr-3486	368	2	services	service	NOUN
fsr-3486	368	3	review	review	PROPN
fsr-3486	368	4	,	,	PUNCT
fsr-3486	368	5	21	21	NUM
fsr-3486	368	6	,	,	PUNCT
fsr-3486	368	7	307–322	307–322	NUM
fsr-3486	368	8	.	.	PUNCT
fsr-3486	369	1	de	de	PROPN
fsr-3486	369	2	bassa	bassa	PROPN
fsr-3486	369	3	scheresberg	scheresberg	PROPN
fsr-3486	369	4	,	,	PUNCT
fsr-3486	369	5	c.	c.	PROPN
fsr-3486	369	6	(	(	PUNCT
fsr-3486	369	7	2013	2013	NUM
fsr-3486	369	8	)	)	PUNCT
fsr-3486	369	9	.	.	PUNCT
fsr-3486	370	1	financial	financial	ADJ
fsr-3486	370	2	literacy	literacy	NOUN
fsr-3486	370	3	and	and	CCONJ
fsr-3486	370	4	financial	financial	ADJ
fsr-3486	370	5	behavior	behavior	NOUN
fsr-3486	370	6	among	among	ADP
fsr-3486	370	7	young	young	ADJ
fsr-3486	370	8	adults	adult	NOUN
fsr-3486	370	9	:	:	PUNCT
fsr-3486	370	10	evidence	evidence	NOUN
fsr-3486	370	11	and	and	CCONJ
fsr-3486	370	12	implications	implication	VERB
fsr-3486	370	13	financial	financial	ADJ
fsr-3486	370	14	literacy	literacy	NOUN
fsr-3486	370	15	and	and	CCONJ
fsr-3486	370	16	financial	financial	ADJ
fsr-3486	370	17	behavior	behavior	NOUN
fsr-3486	370	18	among	among	ADP
fsr-3486	370	19	young	young	ADJ
fsr-3486	370	20	adults	adult	NOUN
fsr-3486	370	21	:	:	PUNCT
fsr-3486	370	22	evidence	evidence	NOUN
fsr-3486	370	23	.	.	PUNCT
fsr-3486	371	1	numeracy	numeracy	NOUN
fsr-3486	371	2	,	,	PUNCT
fsr-3486	371	3	6	6	NUM
fsr-3486	371	4	,	,	PUNCT
fsr-3486	371	5	article	article	NOUN
fsr-3486	371	6	5	5	NUM
fsr-3486	371	7	.	.	PUNCT
fsr-3486	372	1	https://doi.org/10.5038/1936-4660.6.2.5	https://doi.org/10.5038/1936-4660.6.2.5	PROPN
fsr-3486	372	2	delavande	delavande	PROPN
fsr-3486	372	3	,	,	PUNCT
fsr-3486	372	4	a.	a.	NOUN
fsr-3486	372	5	,	,	PUNCT
fsr-3486	372	6	rohwedder	rohwedder	NOUN
fsr-3486	372	7	,	,	PUNCT
fsr-3486	372	8	s.	s.	PROPN
fsr-3486	372	9	,	,	PUNCT
fsr-3486	372	10	&	&	CCONJ
fsr-3486	372	11	willis	willis	PROPN
fsr-3486	372	12	,	,	PUNCT
fsr-3486	372	13	r.	r.	PROPN
fsr-3486	372	14	(	(	PUNCT
fsr-3486	372	15	2008	2008	NUM
fsr-3486	372	16	)	)	PUNCT
fsr-3486	372	17	.	.	PUNCT
fsr-3486	373	1	preparation	preparation	NOUN
fsr-3486	373	2	for	for	ADP
fsr-3486	373	3	retirement	retirement	NOUN
fsr-3486	373	4	,	,	PUNCT
fsr-3486	373	5	financial	financial	ADJ
fsr-3486	373	6	literacy	literacy	NOUN
fsr-3486	373	7	and	and	CCONJ
fsr-3486	373	8	cognitive	cognitive	ADJ
fsr-3486	373	9	resources	resource	NOUN
fsr-3486	373	10	.	.	PUNCT
fsr-3486	374	1	michigan	michigan	PROPN
fsr-3486	374	2	retirement	retirement	PROPN
fsr-3486	374	3	research	research	PROPN
fsr-3486	374	4	center	center	PROPN
fsr-3486	374	5	research	research	NOUN
fsr-3486	374	6	paper	paper	NOUN
fsr-3486	374	7	no	no	NOUN
fsr-3486	374	8	.	.	NOUN
fsr-3486	374	9	2008	2008	NUM
fsr-3486	374	10	-	-	SYM
fsr-3486	374	11	190	190	NUM
fsr-3486	374	12	.	.	PUNCT
fsr-3486	375	1	available	available	ADJ
fsr-3486	375	2	at	at	ADP
fsr-3486	375	3	https://ssrn.com/abstract=1337655	https://ssrn.com/abstract=1337655	NOUN
fsr-3486	375	4	elmerick	elmerick	PROPN
fsr-3486	375	5	,	,	PUNCT
fsr-3486	375	6	s.	s.	PROPN
fsr-3486	375	7	a.	a.	PROPN
fsr-3486	375	8	,	,	PUNCT
fsr-3486	375	9	montalto	montalto	PROPN
fsr-3486	375	10	,	,	PUNCT
fsr-3486	375	11	c.	c.	PROPN
fsr-3486	375	12	p.	p.	PROPN
fsr-3486	375	13	,	,	PUNCT
fsr-3486	375	14	&	&	CCONJ
fsr-3486	375	15	fox	fox	PROPN
fsr-3486	375	16	,	,	PUNCT
fsr-3486	375	17	j.	j.	PROPN
fsr-3486	375	18	j.	j.	PROPN
fsr-3486	375	19	(	(	PUNCT
fsr-3486	375	20	2002	2002	NUM
fsr-3486	375	21	)	)	PUNCT
fsr-3486	375	22	.	.	PUNCT
fsr-3486	376	1	use	use	NOUN
fsr-3486	376	2	of	of	ADP
fsr-3486	376	3	financial	financial	ADJ
fsr-3486	376	4	planners	planner	NOUN
fsr-3486	376	5	by	by	ADP
fsr-3486	376	6	u.s	u.s	PROPN
fsr-3486	376	7	.	.	PROPN
fsr-3486	376	8	households	household	NOUN
fsr-3486	376	9	.	.	PUNCT
fsr-3486	377	1	financial	financial	ADJ
fsr-3486	377	2	services	service	NOUN
fsr-3486	377	3	review	review	NOUN
fsr-3486	377	4	,	,	PUNCT
fsr-3486	377	5	11	11	NUM
fsr-3486	377	6	,	,	PUNCT
fsr-3486	377	7	217–231	217–231	NUM
fsr-3486	377	8	.	.	PUNCT
fsr-3486	378	1	gokhale	gokhale	PROPN
fsr-3486	378	2	,	,	PUNCT
fsr-3486	378	3	j.	j.	PROPN
fsr-3486	378	4	,	,	PUNCT
fsr-3486	378	5	&	&	CCONJ
fsr-3486	378	6	kotlikoff	kotlikoff	PROPN
fsr-3486	378	7	,	,	PUNCT
fsr-3486	378	8	l.	l.	PROPN
fsr-3486	378	9	j.	j.	PROPN
fsr-3486	378	10	(	(	PUNCT
fsr-3486	378	11	2003	2003	NUM
fsr-3486	378	12	)	)	PUNCT
fsr-3486	378	13	.	.	PUNCT
fsr-3486	379	1	who	who	PRON
fsr-3486	379	2	gets	get	AUX
fsr-3486	379	3	paid	pay	VERB
fsr-3486	379	4	to	to	PART
fsr-3486	379	5	save	save	VERB
fsr-3486	379	6	?	?	PUNCT
fsr-3486	380	1	tax	tax	NOUN
fsr-3486	380	2	policy	policy	NOUN
fsr-3486	380	3	and	and	CCONJ
fsr-3486	380	4	the	the	DET
fsr-3486	380	5	economy	economy	NOUN
fsr-3486	380	6	,	,	PUNCT
fsr-3486	380	7	17	17	NUM
fsr-3486	380	8	,	,	PUNCT
fsr-3486	380	9	111–139	111–139	NUM
fsr-3486	380	10	.	.	PUNCT
fsr-3486	381	1	https://doi.org/10.1086/tpe.17.20140506	https://doi.org/10.1086/tpe.17.20140506	NOUN
fsr-3486	381	2	hanna	hanna	PROPN
fsr-3486	381	3	,	,	PUNCT
fsr-3486	381	4	s.	s.	PROPN
fsr-3486	381	5	d.	d.	PROPN
fsr-3486	381	6	(	(	PUNCT
fsr-3486	381	7	2011	2011	NUM
fsr-3486	381	8	)	)	PUNCT
fsr-3486	381	9	.	.	PUNCT
fsr-3486	382	1	the	the	DET
fsr-3486	382	2	demand	demand	NOUN
fsr-3486	382	3	for	for	ADP
fsr-3486	382	4	financial	financial	ADJ
fsr-3486	382	5	planning	planning	NOUN
fsr-3486	382	6	services	service	NOUN
fsr-3486	382	7	.	.	PUNCT
fsr-3486	383	1	journal	journal	NOUN
fsr-3486	383	2	of	of	ADP
fsr-3486	383	3	personal	personal	ADJ
fsr-3486	383	4	finance	finance	NOUN
fsr-3486	383	5	,	,	PUNCT
fsr-3486	383	6	10(1	10(1	NUM
fsr-3486	383	7	)	)	PUNCT
fsr-3486	383	8	,	,	PUNCT
fsr-3486	383	9	36–62	36–62	NUM
fsr-3486	383	10	.	.	PUNCT
fsr-3486	384	1	hilgert	hilgert	PROPN
fsr-3486	384	2	,	,	PUNCT
fsr-3486	384	3	m.	m.	NOUN
fsr-3486	384	4	a.	a.	PROPN
fsr-3486	384	5	,	,	PUNCT
fsr-3486	384	6	hogarth	hogarth	NOUN
fsr-3486	384	7	,	,	PUNCT
fsr-3486	384	8	j.	j.	PROPN
fsr-3486	384	9	m.	m.	PROPN
fsr-3486	384	10	,	,	PUNCT
fsr-3486	384	11	&	&	CCONJ
fsr-3486	384	12	beverly	beverly	PROPN
fsr-3486	384	13	,	,	PUNCT
fsr-3486	384	14	s.	s.	PROPN
fsr-3486	384	15	g.	g.	PROPN
fsr-3486	384	16	(	(	PUNCT
fsr-3486	384	17	2003	2003	NUM
fsr-3486	384	18	)	)	PUNCT
fsr-3486	384	19	.	.	PUNCT
fsr-3486	385	1	household	household	NOUN
fsr-3486	385	2	financial	financial	ADJ
fsr-3486	385	3	management	management	NOUN
fsr-3486	385	4	:	:	PUNCT
fsr-3486	385	5	the	the	DET
fsr-3486	385	6	connection	connection	NOUN
fsr-3486	385	7	between	between	ADP
fsr-3486	385	8	knowledge	knowledge	NOUN
fsr-3486	385	9	and	and	CCONJ
fsr-3486	385	10	behavior	behavior	NOUN
fsr-3486	385	11	.	.	PUNCT
fsr-3486	386	1	federal	federal	PROPN
fsr-3486	386	2	reserve	reserve	PROPN
fsr-3486	386	3	bulletin	bulletin	PROPN
fsr-3486	386	4	,	,	PUNCT
fsr-3486	386	5	106	106	NUM
fsr-3486	386	6	,	,	PUNCT
fsr-3486	386	7	309–322	309–322	NUM
fsr-3486	386	8	.	.	PUNCT
fsr-3486	387	1	howlett	howlett	PROPN
fsr-3486	387	2	,	,	PUNCT
fsr-3486	387	3	e.	e.	PROPN
fsr-3486	387	4	,	,	PUNCT
fsr-3486	387	5	kees	kees	PROPN
fsr-3486	387	6	,	,	PUNCT
fsr-3486	387	7	j.	j.	PROPN
fsr-3486	387	8	,	,	PUNCT
fsr-3486	387	9	&	&	CCONJ
fsr-3486	387	10	kemp	kemp	PROPN
fsr-3486	387	11	,	,	PUNCT
fsr-3486	387	12	e.	e.	PROPN
fsr-3486	387	13	(	(	PUNCT
fsr-3486	387	14	2008	2008	NUM
fsr-3486	387	15	)	)	PUNCT
fsr-3486	387	16	.	.	PUNCT
fsr-3486	388	1	the	the	DET
fsr-3486	388	2	role	role	NOUN
fsr-3486	388	3	of	of	ADP
fsr-3486	388	4	self	self	NOUN
fsr-3486	388	5	regulation	regulation	NOUN
fsr-3486	388	6	,	,	PUNCT
fsr-3486	388	7	future	future	ADJ
fsr-3486	388	8	orientation	orientation	NOUN
fsr-3486	388	9	,	,	PUNCT
fsr-3486	388	10	and	and	CCONJ
fsr-3486	388	11	financial	financial	ADJ
fsr-3486	388	12	knowledge	knowledge	NOUN
fsr-3486	388	13	in	in	ADP
fsr-3486	388	14	long	long	ADJ
fsr-3486	388	15	term	term	NOUN
fsr-3486	388	16	financial	financial	ADJ
fsr-3486	388	17	decisions	decision	NOUN
fsr-3486	388	18	.	.	PUNCT
fsr-3486	389	1	journal	journal	NOUN
fsr-3486	389	2	of	of	ADP
fsr-3486	389	3	consumer	consumer	NOUN
fsr-3486	389	4	affairs	affair	NOUN
fsr-3486	389	5	,	,	PUNCT
fsr-3486	389	6	42	42	NUM
fsr-3486	389	7	,	,	PUNCT
fsr-3486	389	8	223–242	223–242	NUM
fsr-3486	389	9	.	.	PUNCT
fsr-3486	390	1	https://doi.org/10.1111/j.17456606.2008.00106.x	https://doi.org/10.1111/j.17456606.2008.00106.x	X
fsr-3486	391	1	huston	huston	PROPN
fsr-3486	391	2	,	,	PUNCT
fsr-3486	391	3	s.	s.	PROPN
fsr-3486	391	4	j.	j.	PROPN
fsr-3486	391	5	(	(	PUNCT
fsr-3486	391	6	2010	2010	NUM
fsr-3486	391	7	)	)	PUNCT
fsr-3486	391	8	.	.	PUNCT
fsr-3486	392	1	measuring	measure	VERB
fsr-3486	392	2	financial	financial	ADJ
fsr-3486	392	3	literacy	literacy	NOUN
fsr-3486	392	4	.	.	PUNCT
fsr-3486	393	1	journal	journal	NOUN
fsr-3486	393	2	of	of	ADP
fsr-3486	393	3	consumer	consumer	NOUN
fsr-3486	393	4	affairs	affair	NOUN
fsr-3486	393	5	,	,	PUNCT
fsr-3486	393	6	44	44	NUM
fsr-3486	393	7	,	,	PUNCT
fsr-3486	393	8	296–316	296–316	NUM
fsr-3486	393	9	.	.	PUNCT
fsr-3486	393	10	https://doi.org/	https://doi.org/	PROPN
fsr-3486	393	11	10.1111	10.1111	NUM
fsr-3486	393	12	/	/	SYM
fsr-3486	393	13	j.1745	j.1745	PROPN
fsr-3486	393	14	-	-	PUNCT
fsr-3486	393	15	6606.2010.01170.x	6606.2010.01170.x	PROPN
fsr-3486	393	16	l.	l.	PROPN
fsr-3486	393	17	a.	a.	PROPN
fsr-3486	393	18	v.	v.	PROPN
fsr-3486	393	19	augustin	augustin	PROPN
fsr-3486	393	20	and	and	CCONJ
fsr-3486	393	21	t.	t.	PROPN
fsr-3486	393	22	k.	k.	PROPN
fsr-3486	393	23	martin	martin	PROPN
fsr-3486	393	24	/	/	SYM
fsr-3486	393	25	financial	financial	ADJ
fsr-3486	393	26	services	service	NOUN
fsr-3486	393	27	review	review	VERB
fsr-3486	393	28	30	30	NUM
fsr-3486	393	29	(	(	PUNCT
fsr-3486	393	30	2022	2022	NUM
fsr-3486	393	31	)	)	PUNCT
fsr-3486	394	1	205–222	205–222	NUM
fsr-3486	394	2	221	221	NUM
fsr-3486	394	3	jappelli	jappelli	ADV
fsr-3486	394	4	,	,	PUNCT
fsr-3486	394	5	t.	t.	PROPN
fsr-3486	394	6	,	,	PUNCT
fsr-3486	394	7	&	&	CCONJ
fsr-3486	394	8	padula	padula	NOUN
fsr-3486	394	9	,	,	PUNCT
fsr-3486	394	10	m.	m.	NOUN
fsr-3486	394	11	(	(	PUNCT
fsr-3486	394	12	2013	2013	NUM
fsr-3486	394	13	)	)	PUNCT
fsr-3486	394	14	.	.	PUNCT
fsr-3486	395	1	investment	investment	NOUN
fsr-3486	395	2	in	in	ADP
fsr-3486	395	3	financial	financial	ADJ
fsr-3486	395	4	literacy	literacy	NOUN
fsr-3486	395	5	and	and	CCONJ
fsr-3486	395	6	saving	saving	NOUN
fsr-3486	395	7	decisions	decision	NOUN
fsr-3486	395	8	.	.	PUNCT
fsr-3486	396	1	journal	journal	NOUN
fsr-3486	396	2	of	of	ADP
fsr-3486	396	3	banking	banking	NOUN
fsr-3486	396	4	&	&	CCONJ
fsr-3486	396	5	finance	finance	PROPN
fsr-3486	396	6	,	,	PUNCT
fsr-3486	396	7	37	37	NUM
fsr-3486	396	8	,	,	PUNCT
fsr-3486	396	9	2779–2792	2779–2792	NUM
fsr-3486	396	10	.	.	PUNCT
fsr-3486	397	1	https://doi.org/10.1016/j.jbankfin.2013.03.019	https://doi.org/10.1016/j.jbankfin.2013.03.019	PROPN
fsr-3486	397	2	kramer	kramer	PROPN
fsr-3486	397	3	,	,	PUNCT
fsr-3486	397	4	m.	m.	NOUN
fsr-3486	397	5	m.	m.	NOUN
fsr-3486	397	6	(	(	PUNCT
fsr-3486	397	7	2012	2012	NUM
fsr-3486	397	8	)	)	PUNCT
fsr-3486	397	9	.	.	PUNCT
fsr-3486	398	1	financial	financial	ADJ
fsr-3486	398	2	literacy	literacy	NOUN
fsr-3486	398	3	,	,	PUNCT
fsr-3486	398	4	cognitive	cognitive	ADJ
fsr-3486	398	5	ability	ability	NOUN
fsr-3486	398	6	,	,	PUNCT
fsr-3486	398	7	and	and	CCONJ
fsr-3486	398	8	financial	financial	ADJ
fsr-3486	398	9	advice	advice	NOUN
fsr-3486	398	10	-	-	PUNCT
fsr-3486	398	11	seeking	seeking	NOUN
fsr-3486	398	12	.	.	PUNCT
fsr-3486	399	1	working	work	VERB
fsr-3486	399	2	paper	paper	NOUN
fsr-3486	399	3	,	,	PUNCT
fsr-3486	399	4	june	june	PROPN
fsr-3486	399	5	11	11	NUM
fsr-3486	399	6	.	.	PUNCT
fsr-3486	400	1	lusardi	lusardi	PROPN
fsr-3486	400	2	,	,	PUNCT
fsr-3486	400	3	a.	a.	NOUN
fsr-3486	400	4	(	(	PUNCT
fsr-3486	400	5	2008	2008	NUM
fsr-3486	400	6	)	)	PUNCT
fsr-3486	400	7	.	.	PUNCT
fsr-3486	401	1	financial	financial	ADJ
fsr-3486	401	2	literacy	literacy	NOUN
fsr-3486	401	3	:	:	PUNCT
fsr-3486	401	4	an	an	DET
fsr-3486	401	5	essential	essential	ADJ
fsr-3486	401	6	tool	tool	NOUN
fsr-3486	401	7	for	for	ADP
fsr-3486	401	8	informed	informed	ADJ
fsr-3486	401	9	consumer	consumer	NOUN
fsr-3486	401	10	choice	choice	NOUN
fsr-3486	401	11	?	?	PUNCT
fsr-3486	402	1	national	national	ADJ
fsr-3486	402	2	bureau	bureau	PROPN
fsr-3486	402	3	of	of	ADP
fsr-3486	402	4	economic	economic	ADJ
fsr-3486	402	5	research	research	NOUN
fsr-3486	402	6	(	(	PUNCT
fsr-3486	402	7	no	no	INTJ
fsr-3486	402	8	.	.	PUNCT
fsr-3486	402	9	w1408	w1408	NOUN
fsr-3486	402	10	)	)	PUNCT
fsr-3486	402	11	.	.	PUNCT
fsr-3486	403	1	lusardi	lusardi	PROPN
fsr-3486	403	2	,	,	PUNCT
fsr-3486	403	3	a.	a.	PROPN
fsr-3486	403	4	,	,	PUNCT
fsr-3486	403	5	&	&	CCONJ
fsr-3486	403	6	mitchell	mitchell	PROPN
fsr-3486	403	7	,	,	PUNCT
fsr-3486	403	8	o.	o.	PROPN
fsr-3486	403	9	s.	s.	PROPN
fsr-3486	403	10	(	(	PUNCT
fsr-3486	403	11	2005	2005	NUM
fsr-3486	403	12	)	)	PUNCT
fsr-3486	403	13	.	.	PUNCT
fsr-3486	404	1	financial	financial	ADJ
fsr-3486	404	2	literacy	literacy	NOUN
fsr-3486	404	3	and	and	CCONJ
fsr-3486	404	4	planning	planning	NOUN
fsr-3486	404	5	:	:	PUNCT
fsr-3486	404	6	implications	implication	NOUN
fsr-3486	404	7	for	for	ADP
fsr-3486	404	8	retirement	retirement	NOUN
fsr-3486	404	9	wellbeing	wellbeing	NOUN
fsr-3486	404	10	.	.	PUNCT
fsr-3486	405	1	michigan	michigan	PROPN
fsr-3486	405	2	retirement	retirement	PROPN
fsr-3486	405	3	research	research	PROPN
fsr-3486	405	4	center	center	PROPN
fsr-3486	405	5	research	research	NOUN
fsr-3486	405	6	paper	paper	NOUN
fsr-3486	405	7	,	,	PUNCT
fsr-3486	405	8	no	no	INTJ
fsr-3486	405	9	.	.	PUNCT
fsr-3486	406	1	wp	wp	NOUN
fsr-3486	406	2	,	,	PUNCT
fsr-3486	406	3	10	10	NUM
fsr-3486	406	4	.	.	PUNCT
fsr-3486	407	1	lusardi	lusardi	PROPN
fsr-3486	407	2	,	,	PUNCT
fsr-3486	407	3	a.	a.	PROPN
fsr-3486	407	4	,	,	PUNCT
fsr-3486	407	5	&	&	CCONJ
fsr-3486	407	6	mitchell	mitchell	PROPN
fsr-3486	407	7	,	,	PUNCT
fsr-3486	407	8	o.	o.	PROPN
fsr-3486	407	9	s.	s.	PROPN
fsr-3486	407	10	(	(	PUNCT
fsr-3486	407	11	2006	2006	NUM
fsr-3486	407	12	)	)	PUNCT
fsr-3486	407	13	.	.	PUNCT
fsr-3486	408	1	financial	financial	ADJ
fsr-3486	408	2	literacy	literacy	NOUN
fsr-3486	408	3	and	and	CCONJ
fsr-3486	408	4	planning	planning	NOUN
fsr-3486	408	5	:	:	PUNCT
fsr-3486	408	6	implications	implication	NOUN
fsr-3486	408	7	for	for	ADP
fsr-3486	408	8	wellbeing	wellbee	VERB
fsr-3486	408	9	.	.	PUNCT
fsr-3486	409	1	pension	pension	NOUN
fsr-3486	409	2	research	research	NOUN
fsr-3486	409	3	council	council	PROPN
fsr-3486	409	4	.	.	PUNCT
fsr-3486	410	1	working	working	NOUN
fsr-3486	410	2	paper	paper	NOUN
fsr-3486	410	3	,	,	PUNCT
fsr-3486	410	4	wp2006	wp2006	PROPN
fsr-3486	410	5	-	-	PROPN
fsr-3486	410	6	01	01	PROPN
fsr-3486	410	7	.	.	PUNCT
fsr-3486	411	1	meier	meier	PROPN
fsr-3486	411	2	,	,	PUNCT
fsr-3486	411	3	s.	s.	PROPN
fsr-3486	411	4	,	,	PUNCT
fsr-3486	411	5	&	&	CCONJ
fsr-3486	411	6	sprenger	sprenger	PROPN
fsr-3486	411	7	,	,	PUNCT
fsr-3486	411	8	c.	c.	PROPN
fsr-3486	411	9	d.	d.	PROPN
fsr-3486	411	10	(	(	PUNCT
fsr-3486	411	11	2013	2013	NUM
fsr-3486	411	12	)	)	PUNCT
fsr-3486	411	13	.	.	PUNCT
fsr-3486	412	1	discounting	discount	VERB
fsr-3486	412	2	financial	financial	ADJ
fsr-3486	412	3	literacy	literacy	NOUN
fsr-3486	412	4	:	:	PUNCT
fsr-3486	412	5	time	time	NOUN
fsr-3486	412	6	preferences	preference	NOUN
fsr-3486	412	7	and	and	CCONJ
fsr-3486	412	8	participation	participation	NOUN
fsr-3486	412	9	in	in	ADP
fsr-3486	412	10	financial	financial	ADJ
fsr-3486	412	11	education	education	NOUN
fsr-3486	412	12	program	program	NOUN
fsr-3486	412	13	.	.	PUNCT
fsr-3486	413	1	journal	journal	NOUN
fsr-3486	413	2	of	of	ADP
fsr-3486	413	3	economic	economic	ADJ
fsr-3486	413	4	behavior	behavior	NOUN
fsr-3486	413	5	&	&	CCONJ
fsr-3486	413	6	organization	organization	PROPN
fsr-3486	413	7	,	,	PUNCT
fsr-3486	413	8	95	95	NUM
fsr-3486	413	9	,	,	PUNCT
fsr-3486	413	10	159–174	159–174	NUM
fsr-3486	413	11	.	.	PUNCT
fsr-3486	414	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
fsr-3486	414	2	.	.	PUNCT
fsr-3486	415	1	jebo.2012.02.024	jebo.2012.02.024	VERB
fsr-3486	415	2	schwab	schwab	PROPN
fsr-3486	415	3	,	,	PUNCT
fsr-3486	415	4	c.	c.	PROPN
fsr-3486	415	5	,	,	PUNCT
fsr-3486	415	6	iannicola	iannicola	PROPN
fsr-3486	415	7	,	,	PUNCT
fsr-3486	415	8	d.	d.	PROPN
fsr-3486	415	9	,	,	PUNCT
fsr-3486	415	10	jr	jr	PROPN
fsr-3486	415	11	.	.	PROPN
fsr-3486	415	12	,	,	PUNCT
fsr-3486	415	13	beck	beck	PROPN
fsr-3486	415	14	,	,	PUNCT
fsr-3486	415	15	t.	t.	PROPN
fsr-3486	415	16	,	,	PUNCT
fsr-3486	415	17	hira	hira	PROPN
fsr-3486	415	18	,	,	PUNCT
fsr-3486	415	19	t.	t.	PROPN
fsr-3486	415	20	,	,	PUNCT
fsr-3486	415	21	byrant	byrant	ADJ
fsr-3486	415	22	,	,	PUNCT
fsr-3486	415	23	j.	j.	PROPN
fsr-3486	415	24	h.	h.	PROPN
fsr-3486	415	25	,	,	PUNCT
fsr-3486	415	26	parker	parker	PROPN
fsr-3486	415	27	,	,	PUNCT
fsr-3486	415	28	j.	j.	PROPN
fsr-3486	415	29	,	,	PUNCT
fsr-3486	415	30	.	.	PUNCT
fsr-3486	415	31	.	.	PUNCT
fsr-3486	415	32	.	.	PUNCT
fsr-3486	416	1	dawson	dawson	PROPN
fsr-3486	416	2	,	,	PUNCT
fsr-3486	416	3	c.	c.	PROPN
fsr-3486	416	4	(	(	PUNCT
fsr-3486	416	5	2008	2008	NUM
fsr-3486	416	6	)	)	PUNCT
fsr-3486	416	7	.	.	PUNCT
fsr-3486	417	1	president	president	PROPN
fsr-3486	417	2	’s	’s	PART
fsr-3486	417	3	advisory	advisory	ADJ
fsr-3486	417	4	council	council	NOUN
fsr-3486	417	5	on	on	ADP
fsr-3486	417	6	financial	financial	ADJ
fsr-3486	417	7	literacy	literacy	NOUN
fsr-3486	417	8	(	(	PUNCT
fsr-3486	417	9	pacfl	pacfl	PROPN
fsr-3486	417	10	)	)	PUNCT
fsr-3486	417	11	.	.	PUNCT
fsr-3486	418	1	washington	washington	PROPN
fsr-3486	418	2	,	,	PUNCT
fsr-3486	418	3	dc	dc	PROPN
fsr-3486	418	4	:	:	PUNCT
fsr-3486	418	5	the	the	DET
fsr-3486	418	6	department	department	NOUN
fsr-3486	418	7	of	of	ADP
fsr-3486	418	8	the	the	DET
fsr-3486	418	9	treasury	treasury	PROPN
fsr-3486	418	10	.	.	PUNCT
fsr-3486	419	1	sekita	sekita	PROPN
fsr-3486	419	2	,	,	PUNCT
fsr-3486	419	3	s.	s.	PROPN
fsr-3486	419	4	,	,	PUNCT
fsr-3486	419	5	horioka	horioka	NOUN
fsr-3486	419	6	,	,	PUNCT
fsr-3486	419	7	c.	c.	PROPN
fsr-3486	419	8	y.	y.	PROPN
fsr-3486	419	9	,	,	PUNCT
fsr-3486	419	10	kajitani	kajitani	PROPN
fsr-3486	419	11	,	,	PUNCT
fsr-3486	419	12	s.	s.	PROPN
fsr-3486	419	13	,	,	PUNCT
fsr-3486	419	14	kan	kan	PROPN
fsr-3486	419	15	,	,	PUNCT
fsr-3486	419	16	m.	m.	NOUN
fsr-3486	419	17	,	,	PUNCT
fsr-3486	419	18	kureishi	kureishi	PROPN
fsr-3486	419	19	,	,	PUNCT
fsr-3486	419	20	w.	w.	PROPN
fsr-3486	419	21	,	,	PUNCT
fsr-3486	419	22	mck	mck	PROPN
fsr-3486	419	23	,	,	PUNCT
fsr-3486	419	24	c.	c.	PROPN
fsr-3486	419	25	r.	r.	PROPN
fsr-3486	419	26	,	,	PUNCT
fsr-3486	419	27	.	.	PUNCT
fsr-3486	419	28	.	.	PUNCT
fsr-3486	419	29	.	.	PUNCT
fsr-3486	420	1	yoshida	yoshida	PROPN
fsr-3486	420	2	,	,	PUNCT
fsr-3486	420	3	k.	k.	PROPN
fsr-3486	420	4	(	(	PUNCT
fsr-3486	420	5	2011	2011	NUM
fsr-3486	420	6	)	)	PUNCT
fsr-3486	420	7	.	.	PUNCT
fsr-3486	421	1	financial	financial	ADJ
fsr-3486	421	2	literacy	literacy	NOUN
fsr-3486	421	3	and	and	CCONJ
fsr-3486	421	4	retirement	retirement	NOUN
fsr-3486	421	5	planning	planning	NOUN
fsr-3486	421	6	in	in	ADP
fsr-3486	421	7	japan	japan	PROPN
fsr-3486	421	8	.	.	PUNCT
fsr-3486	422	1	journal	journal	PROPN
fsr-3486	422	2	of	of	ADP
fsr-3486	422	3	pension	pension	NOUN
fsr-3486	422	4	economics	economic	NOUN
fsr-3486	422	5	and	and	CCONJ
fsr-3486	422	6	finance	finance	NOUN
fsr-3486	422	7	,	,	PUNCT
fsr-3486	422	8	10	10	NUM
fsr-3486	422	9	,	,	PUNCT
fsr-3486	422	10	637–656	637–656	NUM
fsr-3486	422	11	.	.	PUNCT
fsr-3486	423	1	https://	https://	PROPN
fsr-3486	423	2	doi.org/10.1017/s1474747211000527	doi.org/10.1017/s1474747211000527	PROPN
fsr-3486	423	3	sethi	sethi	NOUN
fsr-3486	423	4	-	-	PUNCT
fsr-3486	423	5	iyengar	iyengar	ADJ
fsr-3486	423	6	,	,	PUNCT
fsr-3486	423	7	s.	s.	PROPN
fsr-3486	423	8	,	,	PUNCT
fsr-3486	423	9	huberman	huberman	NOUN
fsr-3486	423	10	,	,	PUNCT
fsr-3486	423	11	g.	g.	PROPN
fsr-3486	423	12	,	,	PUNCT
fsr-3486	423	13	&	&	CCONJ
fsr-3486	423	14	jiang	jiang	PROPN
fsr-3486	423	15	,	,	PUNCT
fsr-3486	423	16	g.	g.	PROPN
fsr-3486	423	17	(	(	PUNCT
fsr-3486	423	18	2004	2004	NUM
fsr-3486	423	19	)	)	PUNCT
fsr-3486	423	20	.	.	PUNCT
fsr-3486	424	1	how	how	SCONJ
fsr-3486	424	2	much	much	ADJ
fsr-3486	424	3	choice	choice	NOUN
fsr-3486	424	4	is	be	AUX
fsr-3486	424	5	too	too	ADV
fsr-3486	424	6	much	much	ADJ
fsr-3486	424	7	?	?	PUNCT
fsr-3486	425	1	contributions	contribution	NOUN
fsr-3486	425	2	to	to	ADP
fsr-3486	425	3	401(k	401(k	PROPN
fsr-3486	425	4	)	)	PUNCT
fsr-3486	425	5	retirement	retirement	NOUN
fsr-3486	425	6	plans	plan	NOUN
fsr-3486	425	7	.	.	PUNCT
fsr-3486	426	1	pension	pension	NOUN
fsr-3486	426	2	design	design	NOUN
fsr-3486	426	3	and	and	CCONJ
fsr-3486	426	4	structure	structure	NOUN
fsr-3486	426	5	.	.	PUNCT
fsr-3486	427	1	new	new	ADJ
fsr-3486	427	2	lessons	lesson	NOUN
fsr-3486	427	3	from	from	ADP
fsr-3486	427	4	behavioral	behavioral	ADJ
fsr-3486	427	5	finance	finance	NOUN
fsr-3486	427	6	,	,	PUNCT
fsr-3486	427	7	83	83	NUM
fsr-3486	427	8	,	,	PUNCT
fsr-3486	427	9	84–87	84–87	NUM
fsr-3486	427	10	.	.	PUNCT
fsr-3486	428	1	van	van	PROPN
fsr-3486	428	2	rooij	rooij	NOUN
fsr-3486	428	3	,	,	PUNCT
fsr-3486	428	4	m.	m.	NOUN
fsr-3486	428	5	,	,	PUNCT
fsr-3486	428	6	lusardi	lusardi	PROPN
fsr-3486	428	7	,	,	PUNCT
fsr-3486	428	8	a.	a.	NOUN
fsr-3486	428	9	,	,	PUNCT
fsr-3486	428	10	&	&	CCONJ
fsr-3486	428	11	alessie	alessie	PROPN
fsr-3486	428	12	,	,	PUNCT
fsr-3486	428	13	r.	r.	PROPN
fsr-3486	428	14	(	(	PUNCT
fsr-3486	428	15	2011	2011	NUM
fsr-3486	428	16	)	)	PUNCT
fsr-3486	428	17	.	.	PUNCT
fsr-3486	429	1	financial	financial	ADJ
fsr-3486	429	2	literacy	literacy	NOUN
fsr-3486	429	3	and	and	CCONJ
fsr-3486	429	4	stock	stock	NOUN
fsr-3486	429	5	market	market	NOUN
fsr-3486	429	6	participation	participation	NOUN
fsr-3486	429	7	.	.	PUNCT
fsr-3486	430	1	journal	journal	NOUN
fsr-3486	430	2	of	of	ADP
fsr-3486	430	3	financial	financial	ADJ
fsr-3486	430	4	economics	economic	NOUN
fsr-3486	430	5	,	,	PUNCT
fsr-3486	430	6	101	101	NUM
fsr-3486	430	7	,	,	PUNCT
fsr-3486	430	8	449–472	449–472	NUM
fsr-3486	430	9	.	.	PUNCT
fsr-3486	431	1	https://doi.org/10.1016/j.jfineco.2011.03.006	https://doi.org/10.1016/j.jfineco.2011.03.006	ADJ
fsr-3486	431	2	van	van	PROPN
fsr-3486	431	3	rooij	rooij	NOUN
fsr-3486	431	4	,	,	PUNCT
fsr-3486	431	5	m.	m.	PROPN
fsr-3486	431	6	c.	c.	PROPN
fsr-3486	431	7	j.	j.	PROPN
fsr-3486	431	8	,	,	PUNCT
fsr-3486	431	9	lusardi	lusardi	PROPN
fsr-3486	431	10	,	,	PUNCT
fsr-3486	431	11	a.	a.	NOUN
fsr-3486	431	12	,	,	PUNCT
fsr-3486	431	13	&	&	CCONJ
fsr-3486	431	14	alessie	alessie	PROPN
fsr-3486	431	15	,	,	PUNCT
fsr-3486	431	16	r.	r.	PROPN
fsr-3486	431	17	j.	j.	PROPN
fsr-3486	431	18	m.	m.	PROPN
fsr-3486	431	19	(	(	PUNCT
fsr-3486	431	20	2012	2012	NUM
fsr-3486	431	21	)	)	PUNCT
fsr-3486	431	22	.	.	PUNCT
fsr-3486	432	1	financial	financial	ADJ
fsr-3486	432	2	literacy	literacy	NOUN
fsr-3486	432	3	,	,	PUNCT
fsr-3486	432	4	retirement	retirement	NOUN
fsr-3486	432	5	planning	planning	NOUN
fsr-3486	432	6	,	,	PUNCT
fsr-3486	432	7	and	and	CCONJ
fsr-3486	432	8	household	household	NOUN
fsr-3486	432	9	wealth	wealth	NOUN
fsr-3486	432	10	.	.	PUNCT
fsr-3486	433	1	the	the	DET
fsr-3486	433	2	economic	economic	ADJ
fsr-3486	433	3	journal	journal	NOUN
fsr-3486	433	4	,	,	PUNCT
fsr-3486	433	5	122	122	NUM
fsr-3486	433	6	,	,	PUNCT
fsr-3486	433	7	449–478	449–478	NUM
fsr-3486	433	8	.	.	PUNCT
fsr-3486	433	9	https://doi.org/10.1111/j.1468-0297.2012.02501.x	https://doi.org/10.1111/j.1468-0297.2012.02501.x	PROPN
fsr-3486	433	10	vinet	vinet	PROPN
fsr-3486	433	11	,	,	PUNCT
fsr-3486	433	12	l.	l.	PROPN
fsr-3486	433	13	,	,	PUNCT
fsr-3486	433	14	&	&	CCONJ
fsr-3486	433	15	zhedanov	zhedanov	PROPN
fsr-3486	433	16	,	,	PUNCT
fsr-3486	433	17	a.	a.	NOUN
fsr-3486	433	18	(	(	PUNCT
fsr-3486	433	19	2010	2010	NUM
fsr-3486	433	20	)	)	PUNCT
fsr-3486	433	21	.	.	PUNCT
fsr-3486	434	1	a	a	DET
fsr-3486	434	2	“	"	PUNCT
fsr-3486	434	3	missing	missing	ADJ
fsr-3486	434	4	”	"	PUNCT
fsr-3486	434	5	family	family	NOUN
fsr-3486	434	6	of	of	ADP
fsr-3486	434	7	classical	classical	ADJ
fsr-3486	434	8	orthogonal	orthogonal	ADJ
fsr-3486	434	9	polynomials	polynomial	NOUN
fsr-3486	434	10	.	.	PUNCT
fsr-3486	435	1	quarterly	quarterly	ADJ
fsr-3486	435	2	journal	journal	NOUN
fsr-3486	435	3	of	of	ADP
fsr-3486	435	4	finance	finance	NOUN
fsr-3486	435	5	,	,	PUNCT
fsr-3486	435	6	25(1	25(1	NUM
fsr-3486	435	7	)	)	PUNCT
fsr-3486	435	8	,	,	PUNCT
fsr-3486	435	9	6–22	6–22	PROPN
fsr-3486	435	10	.	.	PUNCT
fsr-3486	436	1	https://doi.org/10.1088/1751-8113/44/8/085201	https://doi.org/10.1088/1751-8113/44/8/085201	PROPN
fsr-3486	436	2	willis	willis	PROPN
fsr-3486	436	3	,	,	PUNCT
fsr-3486	436	4	l.	l.	PROPN
fsr-3486	436	5	e.	e.	PROPN
fsr-3486	436	6	(	(	PUNCT
fsr-3486	436	7	2008	2008	NUM
fsr-3486	436	8	)	)	PUNCT
fsr-3486	436	9	.	.	PUNCT
fsr-3486	437	1	against	against	ADP
fsr-3486	437	2	financial	financial	ADJ
fsr-3486	437	3	literacy	literacy	NOUN
fsr-3486	437	4	education	education	NOUN
fsr-3486	437	5	.	.	PUNCT
fsr-3486	438	1	iowa	iowa	PROPN
fsr-3486	438	2	law	law	PROPN
fsr-3486	438	3	review	review	PROPN
fsr-3486	438	4	,	,	PUNCT
fsr-3486	438	5	94	94	NUM
fsr-3486	438	6	,	,	PUNCT
fsr-3486	438	7	8–10	8–10	NOUN
fsr-3486	438	8	.	.	PUNCT
fsr-3486	439	1	222	222	NUM
fsr-3486	439	2	l.	l.	PROPN
fsr-3486	439	3	a.	a.	PROPN
fsr-3486	439	4	v.	v.	PROPN
fsr-3486	439	5	augustin	augustin	PROPN
fsr-3486	439	6	and	and	CCONJ
fsr-3486	439	7	t.	t.	PROPN
fsr-3486	439	8	k.	k.	PROPN
fsr-3486	439	9	martin	martin	PROPN
fsr-3486	439	10	/	/	SYM
fsr-3486	439	11	financial	financial	ADJ
fsr-3486	439	12	services	service	NOUN
fsr-3486	439	13	review	review	VERB
fsr-3486	439	14	30	30	NUM
fsr-3486	439	15	(	(	PUNCT
fsr-3486	439	16	2022	2022	NUM
fsr-3486	439	17	)	)	PUNCT
fsr-3486	440	1	205–222	205–222	NUM