id	sid	tid	token	lemma	pos
fsr-3513	1	1	financial	financial	PROPN
fsr-3513	1	2	services	service	NOUN
fsr-3513	1	3	review	review	NOUN
fsr-3513	1	4	,	,	PUNCT
fsr-3513	1	5	32(2	32(2	NUM
fsr-3513	1	6	)	)	PUNCT
fsr-3513	1	7	53	53	NUM
fsr-3513	1	8	factors	factor	NOUN
fsr-3513	1	9	mediating	mediate	VERB
fsr-3513	1	10	the	the	DET
fsr-3513	1	11	association	association	NOUN
fsr-3513	1	12	between	between	ADP
fsr-3513	1	13	financial	financial	ADJ
fsr-3513	1	14	socialization	socialization	NOUN
fsr-3513	1	15	and	and	CCONJ
fsr-3513	1	16	well	well	ADV
fsr-3513	1	17	-	-	PUNCT
fsr-3513	1	18	being	being	NOUN
fsr-3513	1	19	:	:	PUNCT
fsr-3513	1	20	an	an	DET
fsr-3513	1	21	african	african	ADJ
fsr-3513	1	22	american	american	PROPN
fsr-3513	1	23	perspective	perspective	PROPN
fsr-3513	2	1	john	john	PROPN
fsr-3513	2	2	h.	h.	PROPN
fsr-3513	2	3	young,1	young,1	PROPN
fsr-3513	2	4	crystal	crystal	PROPN
fsr-3513	2	5	r.	r.	PROPN
fsr-3513	2	6	hudson,2	hudson,2	PROPN
fsr-3513	2	7	and	and	CCONJ
fsr-3513	2	8	c.	c.	PROPN
fsr-3513	2	9	w.	w.	PROPN
fsr-3513	2	10	copeland3	copeland3	PROPN
fsr-3513	2	11	abstract	abstract	ADP
fsr-3513	2	12	this	this	DET
fsr-3513	2	13	study	study	NOUN
fsr-3513	2	14	examines	examine	VERB
fsr-3513	2	15	the	the	DET
fsr-3513	2	16	relationship	relationship	NOUN
fsr-3513	2	17	between	between	ADP
fsr-3513	2	18	financial	financial	ADJ
fsr-3513	2	19	socialization	socialization	NOUN
fsr-3513	2	20	and	and	CCONJ
fsr-3513	2	21	well	well	ADV
fsr-3513	2	22	-	-	PUNCT
fsr-3513	2	23	being	be	AUX
fsr-3513	2	24	(	(	PUNCT
fsr-3513	2	25	financial	financial	ADJ
fsr-3513	2	26	and	and	CCONJ
fsr-3513	2	27	subjective	subjective	ADJ
fsr-3513	2	28	)	)	PUNCT
fsr-3513	2	29	mediated	mediate	VERB
fsr-3513	2	30	by	by	ADP
fsr-3513	2	31	three	three	NUM
fsr-3513	2	32	motivations	motivation	NOUN
fsr-3513	2	33	:	:	PUNCT
fsr-3513	2	34	financial	financial	ADJ
fsr-3513	2	35	knowledge	knowledge	NOUN
fsr-3513	2	36	,	,	PUNCT
fsr-3513	2	37	goal	goal	NOUN
fsr-3513	2	38	setting	setting	NOUN
fsr-3513	2	39	,	,	PUNCT
fsr-3513	2	40	and	and	CCONJ
fsr-3513	2	41	self	self	NOUN
fsr-3513	2	42	-	-	PUNCT
fsr-3513	2	43	control	control	NOUN
fsr-3513	2	44	,	,	PUNCT
fsr-3513	2	45	either	either	CCONJ
fsr-3513	2	46	directly	directly	ADV
fsr-3513	2	47	on	on	ADP
fsr-3513	2	48	financial	financial	ADJ
fsr-3513	2	49	behaviors	behavior	NOUN
fsr-3513	2	50	or	or	CCONJ
fsr-3513	2	51	indirectly	indirectly	ADV
fsr-3513	2	52	through	through	ADP
fsr-3513	2	53	financial	financial	ADJ
fsr-3513	2	54	skills	skill	NOUN
fsr-3513	2	55	on	on	ADP
fsr-3513	2	56	financial	financial	ADJ
fsr-3513	2	57	behaviors	behavior	NOUN
fsr-3513	2	58	of	of	ADP
fsr-3513	2	59	african	african	ADJ
fsr-3513	2	60	americans	americans	PROPN
fsr-3513	2	61	compared	compare	VERB
fsr-3513	2	62	with	with	ADP
fsr-3513	2	63	european	european	PROPN
fsr-3513	2	64	americans	americans	PROPN
fsr-3513	2	65	.	.	PUNCT
fsr-3513	3	1	we	we	PRON
fsr-3513	3	2	used	use	VERB
fsr-3513	3	3	an	an	DET
fsr-3513	3	4	integrated	integrate	VERB
fsr-3513	3	5	concept	concept	NOUN
fsr-3513	3	6	derived	derive	VERB
fsr-3513	3	7	from	from	ADP
fsr-3513	3	8	gudmunson	gudmunson	PROPN
fsr-3513	3	9	and	and	CCONJ
fsr-3513	3	10	dane	dane	PROPN
fsr-3513	3	11	’s	’s	PART
fsr-3513	3	12	(	(	PUNCT
fsr-3513	3	13	2011	2011	NUM
fsr-3513	3	14	)	)	PUNCT
fsr-3513	3	15	financial	financial	ADJ
fsr-3513	3	16	socialization	socialization	NOUN
fsr-3513	3	17	framework	framework	NOUN
fsr-3513	3	18	and	and	CCONJ
fsr-3513	3	19	fisher	fisher	PROPN
fsr-3513	3	20	and	and	CCONJ
fsr-3513	3	21	fisher	fisher	PROPN
fsr-3513	3	22	’s	’s	PART
fsr-3513	3	23	(	(	PUNCT
fsr-3513	3	24	1992	1992	NUM
fsr-3513	3	25	)	)	PUNCT
fsr-3513	3	26	information	information	NOUN
fsr-3513	3	27	motivation	motivation	NOUN
fsr-3513	3	28	behavior	behavior	NOUN
fsr-3513	3	29	model	model	NOUN
fsr-3513	3	30	to	to	PART
fsr-3513	3	31	examine	examine	VERB
fsr-3513	3	32	national	national	ADJ
fsr-3513	3	33	financial	financial	ADJ
fsr-3513	3	34	well	well	ADV
fsr-3513	3	35	-	-	PUNCT
fsr-3513	3	36	being	be	AUX
fsr-3513	3	37	survey	survey	NOUN
fsr-3513	3	38	data	datum	NOUN
fsr-3513	3	39	.	.	PUNCT
fsr-3513	4	1	we	we	PRON
fsr-3513	4	2	found	find	VERB
fsr-3513	4	3	a	a	DET
fsr-3513	4	4	significant	significant	ADJ
fsr-3513	4	5	difference	difference	NOUN
fsr-3513	4	6	between	between	ADP
fsr-3513	4	7	african	african	ADJ
fsr-3513	4	8	americans	americans	PROPN
fsr-3513	4	9	and	and	CCONJ
fsr-3513	4	10	european	european	ADJ
fsr-3513	4	11	americans	americans	PROPN
fsr-3513	4	12	where	where	SCONJ
fsr-3513	4	13	“	"	PUNCT
fsr-3513	4	14	self	self	NOUN
fsr-3513	4	15	-	-	PUNCT
fsr-3513	4	16	control	control	NOUN
fsr-3513	4	17	”	"	PUNCT
fsr-3513	4	18	mediates	mediate	NOUN
fsr-3513	4	19	directly	directly	ADV
fsr-3513	4	20	through	through	ADP
fsr-3513	4	21	financial	financial	ADJ
fsr-3513	4	22	behaviors	behavior	NOUN
fsr-3513	4	23	and	and	CCONJ
fsr-3513	4	24	indirectly	indirectly	ADV
fsr-3513	4	25	through	through	ADP
fsr-3513	4	26	financial	financial	ADJ
fsr-3513	4	27	skills	skill	NOUN
fsr-3513	4	28	.	.	PUNCT
fsr-3513	5	1	there	there	PRON
fsr-3513	5	2	was	be	VERB
fsr-3513	5	3	also	also	ADV
fsr-3513	5	4	a	a	DET
fsr-3513	5	5	significant	significant	ADJ
fsr-3513	5	6	difference	difference	NOUN
fsr-3513	5	7	in	in	ADP
fsr-3513	5	8	the	the	DET
fsr-3513	5	9	relationship	relationship	NOUN
fsr-3513	5	10	where	where	SCONJ
fsr-3513	5	11	“	"	PUNCT
fsr-3513	5	12	goal	goal	NOUN
fsr-3513	5	13	setting	setting	NOUN
fsr-3513	5	14	”	"	PUNCT
fsr-3513	5	15	mediated	mediate	VERB
fsr-3513	5	16	the	the	DET
fsr-3513	5	17	relationship	relationship	NOUN
fsr-3513	5	18	indirectly	indirectly	ADV
fsr-3513	5	19	through	through	ADP
fsr-3513	5	20	skills	skill	NOUN
fsr-3513	5	21	in	in	ADP
fsr-3513	5	22	financial	financial	ADJ
fsr-3513	5	23	behaviors	behavior	NOUN
fsr-3513	5	24	.	.	PUNCT
fsr-3513	6	1	finally	finally	ADV
fsr-3513	6	2	,	,	PUNCT
fsr-3513	6	3	there	there	PRON
fsr-3513	6	4	was	be	VERB
fsr-3513	6	5	a	a	DET
fsr-3513	6	6	significant	significant	ADJ
fsr-3513	6	7	difference	difference	NOUN
fsr-3513	6	8	when	when	SCONJ
fsr-3513	6	9	“	"	PUNCT
fsr-3513	6	10	financial	financial	ADJ
fsr-3513	6	11	knowledge	knowledge	NOUN
fsr-3513	6	12	”	"	PUNCT
fsr-3513	6	13	directly	directly	ADV
fsr-3513	6	14	mediated	mediate	VERB
fsr-3513	6	15	financial	financial	ADJ
fsr-3513	6	16	behaviors	behavior	NOUN
fsr-3513	6	17	.	.	PUNCT
fsr-3513	7	1	the	the	DET
fsr-3513	7	2	findings	finding	NOUN
fsr-3513	7	3	from	from	ADP
fsr-3513	7	4	this	this	DET
fsr-3513	7	5	study	study	NOUN
fsr-3513	7	6	imply	imply	VERB
fsr-3513	7	7	that	that	SCONJ
fsr-3513	7	8	self	self	NOUN
fsr-3513	7	9	-	-	PUNCT
fsr-3513	7	10	control	control	NOUN
fsr-3513	7	11	is	be	AUX
fsr-3513	7	12	one	one	NUM
fsr-3513	7	13	of	of	ADP
fsr-3513	7	14	the	the	DET
fsr-3513	7	15	most	most	ADV
fsr-3513	7	16	impactful	impactful	ADJ
fsr-3513	7	17	factors	factor	NOUN
fsr-3513	7	18	on	on	ADP
fsr-3513	7	19	african	african	ADJ
fsr-3513	7	20	americans	americans	PROPN
fsr-3513	7	21	’	'	PUNCT
fsr-3513	7	22	wellbeing	wellbee	VERB
fsr-3513	7	23	.	.	PUNCT
fsr-3513	8	1	creative	creative	ADJ
fsr-3513	8	2	commons	commons	PROPN
fsr-3513	8	3	license	license	NOUN
fsr-3513	8	4	this	this	DET
fsr-3513	8	5	work	work	NOUN
fsr-3513	8	6	is	be	AUX
fsr-3513	8	7	licensed	license	VERB
fsr-3513	8	8	under	under	ADP
fsr-3513	8	9	a	a	DET
fsr-3513	8	10	creative	creative	ADJ
fsr-3513	8	11	commons	common	NOUN
fsr-3513	8	12	attribution	attribution	NOUN
fsr-3513	8	13	-	-	PUNCT
fsr-3513	8	14	noncommercial	noncommercial	ADJ
fsr-3513	8	15	4.0	4.0	NUM
fsr-3513	8	16	license	license	NOUN
fsr-3513	8	17	recommended	recommend	VERB
fsr-3513	8	18	citation	citation	NOUN
fsr-3513	8	19	young	young	PROPN
fsr-3513	8	20	,	,	PUNCT
fsr-3513	8	21	j.	j.	PROPN
fsr-3513	8	22	h.	h.	PROPN
fsr-3513	8	23	,	,	PUNCT
fsr-3513	8	24	copeland	copeland	PROPN
fsr-3513	8	25	,	,	PUNCT
fsr-3513	8	26	c.	c.	PROPN
fsr-3513	8	27	w.	w.	PROPN
fsr-3513	8	28	,	,	PUNCT
fsr-3513	8	29	hudson	hudson	PROPN
fsr-3513	8	30	,	,	PUNCT
fsr-3513	8	31	c.	c.	PROPN
fsr-3513	8	32	r.	r.	PROPN
fsr-3513	8	33	(	(	PUNCT
fsr-3513	8	34	2024	2024	NUM
fsr-3513	8	35	)	)	PUNCT
fsr-3513	8	36	.	.	PUNCT
fsr-3513	9	1	factors	factor	NOUN
fsr-3513	9	2	mediating	mediate	VERB
fsr-3513	9	3	the	the	DET
fsr-3513	9	4	association	association	NOUN
fsr-3513	9	5	between	between	ADP
fsr-3513	9	6	financial	financial	ADJ
fsr-3513	9	7	socialization	socialization	NOUN
fsr-3513	9	8	and	and	CCONJ
fsr-3513	9	9	well	well	ADV
fsr-3513	9	10	-	-	PUNCT
fsr-3513	9	11	being	being	NOUN
fsr-3513	9	12	:	:	PUNCT
fsr-3513	9	13	an	an	DET
fsr-3513	9	14	african	african	ADJ
fsr-3513	9	15	american	american	PROPN
fsr-3513	9	16	perspective	perspective	PROPN
fsr-3513	9	17	.	.	PUNCT
fsr-3513	10	1	financial	financial	ADJ
fsr-3513	10	2	services	service	NOUN
fsr-3513	10	3	review	review	PROPN
fsr-3513	10	4	,	,	PUNCT
fsr-3513	10	5	32(2	32(2	NUM
fsr-3513	10	6	)	)	PUNCT
fsr-3513	10	7	,	,	PUNCT
fsr-3513	10	8	53	53	NUM
fsr-3513	10	9	-	-	SYM
fsr-3513	10	10	76	76	NUM
fsr-3513	10	11	.	.	PUNCT
fsr-3513	11	1	introduction	introduction	NOUN
fsr-3513	11	2	financial	financial	ADJ
fsr-3513	11	3	well	well	ADV
fsr-3513	11	4	-	-	PUNCT
fsr-3513	11	5	being	being	NOUN
fsr-3513	11	6	is	be	AUX
fsr-3513	11	7	a	a	DET
fsr-3513	11	8	holistic	holistic	ADJ
fsr-3513	11	9	view	view	NOUN
fsr-3513	11	10	of	of	ADP
fsr-3513	11	11	one	one	NUM
fsr-3513	11	12	’s	’s	PART
fsr-3513	11	13	financial	financial	ADJ
fsr-3513	11	14	life	life	NOUN
fsr-3513	11	15	and	and	CCONJ
fsr-3513	11	16	how	how	SCONJ
fsr-3513	11	17	one	one	PRON
fsr-3513	11	18	feels	feel	VERB
fsr-3513	11	19	and	and	CCONJ
fsr-3513	11	20	thinks	think	VERB
fsr-3513	11	21	about	about	ADP
fsr-3513	11	22	money	money	NOUN
fsr-3513	11	23	(	(	PUNCT
fsr-3513	11	24	yakoboski	yakoboski	NOUN
fsr-3513	11	25	et	et	PROPN
fsr-3513	11	26	al	al	PROPN
fsr-3513	11	27	.	.	PROPN
fsr-3513	11	28	,	,	PUNCT
fsr-3513	11	29	2019	2019	NUM
fsr-3513	11	30	)	)	PUNCT
fsr-3513	11	31	.	.	PUNCT
fsr-3513	12	1	specifically	specifically	ADV
fsr-3513	12	2	,	,	PUNCT
fsr-3513	12	3	financial	financial	ADJ
fsr-3513	12	4	well	well	NOUN
fsr-3513	12	5	-	-	PUNCT
fsr-3513	12	6	being	being	NOUN
fsr-3513	12	7	is	be	AUX
fsr-3513	12	8	one	one	NUM
fsr-3513	12	9	’s	’s	PART
fsr-3513	12	10	ability	ability	NOUN
fsr-3513	12	11	to	to	PART
fsr-3513	12	12	meet	meet	VERB
fsr-3513	12	13	current	current	ADJ
fsr-3513	12	14	and	and	CCONJ
fsr-3513	12	15	ongoing	ongoing	ADJ
fsr-3513	12	16	financial	financial	ADJ
fsr-3513	12	17	obligations	obligation	NOUN
fsr-3513	12	18	to	to	PART
fsr-3513	12	19	maintain	maintain	VERB
fsr-3513	12	20	anticipated	anticipate	VERB
fsr-3513	12	21	and	and	CCONJ
fsr-3513	12	22	desired	desire	VERB
fsr-3513	12	23	living	living	NOUN
fsr-3513	12	24	standards	standard	NOUN
fsr-3513	12	25	,	,	PUNCT
fsr-3513	12	26	1	1	NUM
fsr-3513	12	27	clark	clark	PROPN
fsr-3513	12	28	atlanta	atlanta	PROPN
fsr-3513	12	29	university	university	PROPN
fsr-3513	12	30	,	,	PUNCT
fsr-3513	12	31	atlanta	atlanta	PROPN
fsr-3513	12	32	,	,	PUNCT
fsr-3513	12	33	ga	ga	PROPN
fsr-3513	12	34	,	,	PUNCT
fsr-3513	12	35	usa	usa	PROPN
fsr-3513	12	36	2	2	NUM
fsr-3513	12	37	clark	clark	PROPN
fsr-3513	12	38	atlanta	atlanta	PROPN
fsr-3513	12	39	university	university	PROPN
fsr-3513	12	40	,	,	PUNCT
fsr-3513	12	41	atlanta	atlanta	PROPN
fsr-3513	12	42	,	,	PUNCT
fsr-3513	12	43	ga	ga	PROPN
fsr-3513	12	44	,	,	PUNCT
fsr-3513	12	45	usa	usa	PROPN
fsr-3513	12	46	3	3	NUM
fsr-3513	12	47	corresponding	correspond	VERB
fsr-3513	12	48	author	author	NOUN
fsr-3513	12	49	(	(	PUNCT
fsr-3513	12	50	cwcopeland2@cau.edu	cwcopeland2@cau.edu	PROPN
fsr-3513	12	51	)	)	PUNCT
fsr-3513	12	52	.	.	PUNCT
fsr-3513	13	1	clark	clark	PROPN
fsr-3513	13	2	atlanta	atlanta	PROPN
fsr-3513	13	3	university	university	PROPN
fsr-3513	13	4	,	,	PUNCT
fsr-3513	13	5	atlanta	atlanta	PROPN
fsr-3513	13	6	,	,	PUNCT
fsr-3513	13	7	ga	ga	PROPN
fsr-3513	13	8	,	,	PUNCT
fsr-3513	13	9	usa	usa	PROPN
fsr-3513	13	10	as	as	ADV
fsr-3513	13	11	well	well	ADV
fsr-3513	13	12	as	as	ADP
fsr-3513	13	13	feeling	feel	VERB
fsr-3513	13	14	secure	secure	ADJ
fsr-3513	13	15	in	in	ADP
fsr-3513	13	16	one	one	NUM
fsr-3513	13	17	’s	’s	PART
fsr-3513	13	18	financial	financial	ADJ
fsr-3513	13	19	future	future	NOUN
fsr-3513	13	20	and	and	CCONJ
fsr-3513	13	21	having	have	VERB
fsr-3513	13	22	the	the	DET
fsr-3513	13	23	ability	ability	NOUN
fsr-3513	13	24	to	to	PART
fsr-3513	13	25	make	make	VERB
fsr-3513	13	26	choices	choice	NOUN
fsr-3513	13	27	that	that	PRON
fsr-3513	13	28	allow	allow	VERB
fsr-3513	13	29	one	one	PRON
fsr-3513	13	30	to	to	PART
fsr-3513	13	31	enjoy	enjoy	VERB
fsr-3513	13	32	life	life	NOUN
fsr-3513	13	33	(	(	PUNCT
fsr-3513	13	34	brüggen	brüggen	NOUN
fsr-3513	13	35	et	et	PROPN
fsr-3513	13	36	al	al	PROPN
fsr-3513	13	37	.	.	PROPN
fsr-3513	13	38	,	,	PUNCT
fsr-3513	13	39	2017	2017	NUM
fsr-3513	13	40	)	)	PUNCT
fsr-3513	13	41	.	.	PUNCT
fsr-3513	14	1	according	accord	VERB
fsr-3513	14	2	to	to	ADP
fsr-3513	14	3	kim	kim	PROPN
fsr-3513	14	4	and	and	CCONJ
fsr-3513	14	5	chatterjee	chatterjee	PROPN
fsr-3513	14	6	(	(	PUNCT
fsr-3513	14	7	2013	2013	NUM
fsr-3513	14	8	)	)	PUNCT
fsr-3513	14	9	,	,	PUNCT
fsr-3513	14	10	family	family	NOUN
fsr-3513	14	11	financial	financial	ADJ
fsr-3513	14	12	socialization	socialization	NOUN
fsr-3513	14	13	is	be	AUX
fsr-3513	14	14	related	relate	VERB
fsr-3513	14	15	to	to	ADP
fsr-3513	14	16	how	how	SCONJ
fsr-3513	14	17	individuals	individual	NOUN
fsr-3513	14	18	develop	develop	VERB
fsr-3513	14	19	the	the	DET
fsr-3513	14	20	attitudes	attitude	NOUN
fsr-3513	14	21	,	,	PUNCT
fsr-3513	14	22	beliefs	belief	NOUN
fsr-3513	14	23	,	,	PUNCT
fsr-3513	14	24	knowledge	knowledge	NOUN
fsr-3513	14	25	,	,	PUNCT
fsr-3513	14	26	and	and	CCONJ
fsr-3513	14	27	skills	skill	NOUN
fsr-3513	14	28	necessary	necessary	ADJ
fsr-3513	14	29	to	to	PART
fsr-3513	14	30	manage	manage	VERB
fsr-3513	14	31	their	their	PRON
fsr-3513	14	32	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3513	14	33	mailto:cwcopeland2@cau.edu	mailto:cwcopeland2@cau.edu	PROPN
fsr-3513	14	34	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-3513	14	35	financial	financial	ADJ
fsr-3513	14	36	services	service	NOUN
fsr-3513	14	37	review	review	NOUN
fsr-3513	14	38	,	,	PUNCT
fsr-3513	14	39	32(2	32(2	NUM
fsr-3513	14	40	)	)	PUNCT
fsr-3513	14	41	54	54	NUM
fsr-3513	14	42	finances	finance	NOUN
fsr-3513	14	43	.	.	PUNCT
fsr-3513	15	1	financial	financial	ADJ
fsr-3513	15	2	socialization	socialization	NOUN
fsr-3513	15	3	is	be	AUX
fsr-3513	15	4	associated	associate	VERB
fsr-3513	15	5	with	with	ADP
fsr-3513	15	6	financial	financial	ADJ
fsr-3513	15	7	well	well	NOUN
fsr-3513	15	8	-	-	PUNCT
fsr-3513	15	9	being	be	AUX
fsr-3513	15	10	(	(	PUNCT
fsr-3513	15	11	drever	drever	NOUN
fsr-3513	15	12	et	et	PROPN
fsr-3513	15	13	al	al	PROPN
fsr-3513	15	14	.	.	PROPN
fsr-3513	15	15	,	,	PUNCT
fsr-3513	15	16	2015	2015	NUM
fsr-3513	15	17	)	)	PUNCT
fsr-3513	15	18	,	,	PUNCT
fsr-3513	15	19	but	but	CCONJ
fsr-3513	15	20	are	be	AUX
fsr-3513	15	21	there	there	PRON
fsr-3513	15	22	factors	factor	NOUN
fsr-3513	15	23	within	within	ADP
fsr-3513	15	24	financial	financial	ADJ
fsr-3513	15	25	socialization	socialization	NOUN
fsr-3513	15	26	that	that	PRON
fsr-3513	15	27	are	be	AUX
fsr-3513	15	28	related	relate	VERB
fsr-3513	15	29	to	to	ADP
fsr-3513	15	30	financial	financial	ADJ
fsr-3513	15	31	well	well	ADV
fsr-3513	15	32	-	-	PUNCT
fsr-3513	15	33	being	be	AUX
fsr-3513	15	34	more	more	ADV
fsr-3513	15	35	so	so	ADV
fsr-3513	15	36	than	than	ADP
fsr-3513	15	37	others	other	NOUN
fsr-3513	15	38	?	?	PUNCT
fsr-3513	16	1	every	every	DET
fsr-3513	16	2	community	community	NOUN
fsr-3513	16	3	within	within	ADP
fsr-3513	16	4	the	the	DET
fsr-3513	16	5	united	united	PROPN
fsr-3513	16	6	states	states	PROPN
fsr-3513	16	7	should	should	AUX
fsr-3513	16	8	experience	experience	VERB
fsr-3513	16	9	financial	financial	ADJ
fsr-3513	16	10	well	well	NOUN
fsr-3513	16	11	-	-	PUNCT
fsr-3513	16	12	being	being	NOUN
fsr-3513	16	13	at	at	ADP
fsr-3513	16	14	a	a	DET
fsr-3513	16	15	similar	similar	ADJ
fsr-3513	16	16	level	level	NOUN
fsr-3513	16	17	(	(	PUNCT
fsr-3513	16	18	brown	brown	PROPN
fsr-3513	16	19	&	&	CCONJ
fsr-3513	16	20	robinson	robinson	PROPN
fsr-3513	16	21	,	,	PUNCT
fsr-3513	16	22	2016	2016	NUM
fsr-3513	16	23	)	)	PUNCT
fsr-3513	16	24	.	.	PUNCT
fsr-3513	17	1	however	however	ADV
fsr-3513	17	2	,	,	PUNCT
fsr-3513	17	3	some	some	DET
fsr-3513	17	4	segments	segment	NOUN
fsr-3513	17	5	of	of	ADP
fsr-3513	17	6	the	the	DET
fsr-3513	17	7	population	population	NOUN
fsr-3513	17	8	lag	lag	VERB
fsr-3513	17	9	behind	behind	ADP
fsr-3513	17	10	others	other	NOUN
fsr-3513	17	11	in	in	ADP
fsr-3513	17	12	terms	term	NOUN
fsr-3513	17	13	of	of	ADP
fsr-3513	17	14	financial	financial	ADJ
fsr-3513	17	15	well	well	NOUN
fsr-3513	17	16	-	-	PUNCT
fsr-3513	17	17	being	being	NOUN
fsr-3513	17	18	.	.	PUNCT
fsr-3513	18	1	therefore	therefore	ADV
fsr-3513	18	2	,	,	PUNCT
fsr-3513	18	3	it	it	PRON
fsr-3513	18	4	is	be	AUX
fsr-3513	18	5	essential	essential	ADJ
fsr-3513	18	6	to	to	PART
fsr-3513	18	7	understand	understand	VERB
fsr-3513	18	8	what	what	DET
fsr-3513	18	9	impacts	impact	NOUN
fsr-3513	18	10	or	or	CCONJ
fsr-3513	18	11	what	what	PRON
fsr-3513	18	12	limits	limit	VERB
fsr-3513	18	13	financial	financial	ADJ
fsr-3513	18	14	well	well	NOUN
fsr-3513	18	15	-	-	PUNCT
fsr-3513	18	16	being	being	NOUN
fsr-3513	18	17	.	.	PUNCT
fsr-3513	19	1	wealth	wealth	NOUN
fsr-3513	19	2	has	have	AUX
fsr-3513	19	3	been	be	AUX
fsr-3513	19	4	shown	show	VERB
fsr-3513	19	5	to	to	PART
fsr-3513	19	6	impact	impact	VERB
fsr-3513	19	7	financial	financial	ADJ
fsr-3513	19	8	well	well	NOUN
fsr-3513	19	9	-	-	PUNCT
fsr-3513	19	10	being	being	NOUN
fsr-3513	19	11	(	(	PUNCT
fsr-3513	19	12	atalay	atalay	ADJ
fsr-3513	19	13	&	&	CCONJ
fsr-3513	19	14	edwards	edwards	PROPN
fsr-3513	19	15	,	,	PUNCT
fsr-3513	19	16	2022	2022	NUM
fsr-3513	19	17	)	)	PUNCT
fsr-3513	19	18	.	.	PUNCT
fsr-3513	20	1	thus	thus	ADV
fsr-3513	20	2	,	,	PUNCT
fsr-3513	20	3	those	those	PRON
fsr-3513	20	4	with	with	ADP
fsr-3513	20	5	enough	enough	ADJ
fsr-3513	20	6	wealth	wealth	NOUN
fsr-3513	20	7	to	to	PART
fsr-3513	20	8	cover	cover	VERB
fsr-3513	20	9	their	their	PRON
fsr-3513	20	10	day	day	NOUN
fsr-3513	20	11	-	-	PUNCT
fsr-3513	20	12	to	to	ADP
fsr-3513	20	13	-	-	PUNCT
fsr-3513	20	14	day	day	NOUN
fsr-3513	20	15	expenses	expense	NOUN
fsr-3513	20	16	,	,	PUNCT
fsr-3513	20	17	as	as	ADV
fsr-3513	20	18	well	well	ADV
fsr-3513	20	19	as	as	ADP
fsr-3513	20	20	enough	enough	ADJ
fsr-3513	20	21	wealth	wealth	NOUN
fsr-3513	20	22	to	to	PART
fsr-3513	20	23	accomplish	accomplish	VERB
fsr-3513	20	24	their	their	PRON
fsr-3513	20	25	future	future	ADJ
fsr-3513	20	26	goals	goal	NOUN
fsr-3513	20	27	,	,	PUNCT
fsr-3513	20	28	are	be	AUX
fsr-3513	20	29	more	more	ADV
fsr-3513	20	30	likely	likely	ADJ
fsr-3513	20	31	to	to	PART
fsr-3513	20	32	experience	experience	VERB
fsr-3513	20	33	financial	financial	ADJ
fsr-3513	20	34	freedom	freedom	NOUN
fsr-3513	20	35	than	than	ADP
fsr-3513	20	36	those	those	PRON
fsr-3513	20	37	who	who	PRON
fsr-3513	20	38	do	do	AUX
fsr-3513	20	39	not	not	PART
fsr-3513	20	40	have	have	VERB
fsr-3513	20	41	an	an	DET
fsr-3513	20	42	adequate	adequate	ADJ
fsr-3513	20	43	level	level	NOUN
fsr-3513	20	44	of	of	ADP
fsr-3513	20	45	wealth	wealth	NOUN
fsr-3513	20	46	(	(	PUNCT
fsr-3513	20	47	atalay	atalay	PROPN
fsr-3513	20	48	&	&	CCONJ
fsr-3513	20	49	edwards	edwards	PROPN
fsr-3513	20	50	,	,	PUNCT
fsr-3513	20	51	2022	2022	NUM
fsr-3513	20	52	)	)	PUNCT
fsr-3513	20	53	.	.	PUNCT
fsr-3513	21	1	other	other	ADJ
fsr-3513	21	2	factors	factor	NOUN
fsr-3513	21	3	,	,	PUNCT
fsr-3513	21	4	such	such	ADJ
fsr-3513	21	5	as	as	ADP
fsr-3513	21	6	employment	employment	NOUN
fsr-3513	21	7	status	status	NOUN
fsr-3513	21	8	and	and	CCONJ
fsr-3513	21	9	education	education	NOUN
fsr-3513	21	10	,	,	PUNCT
fsr-3513	21	11	are	be	AUX
fsr-3513	21	12	directly	directly	ADV
fsr-3513	21	13	linked	link	VERB
fsr-3513	21	14	to	to	ADP
fsr-3513	21	15	financial	financial	ADJ
fsr-3513	21	16	well	well	ADV
fsr-3513	21	17	-	-	PUNCT
fsr-3513	21	18	being	be	AUX
fsr-3513	21	19	(	(	PUNCT
fsr-3513	21	20	federal	federal	PROPN
fsr-3513	21	21	reserve	reserve	PROPN
fsr-3513	21	22	board	board	PROPN
fsr-3513	21	23	of	of	ADP
fsr-3513	21	24	governors	governor	NOUN
fsr-3513	21	25	,	,	PUNCT
fsr-3513	21	26	2022	2022	NUM
fsr-3513	21	27	)	)	PUNCT
fsr-3513	21	28	.	.	PUNCT
fsr-3513	22	1	thus	thus	ADV
fsr-3513	22	2	,	,	PUNCT
fsr-3513	22	3	those	those	PRON
fsr-3513	22	4	who	who	PRON
fsr-3513	22	5	are	be	AUX
fsr-3513	22	6	financially	financially	ADV
fsr-3513	22	7	literate	literate	ADJ
fsr-3513	22	8	most	most	ADV
fsr-3513	22	9	often	often	ADV
fsr-3513	22	10	better	well	ADV
fsr-3513	22	11	manage	manage	VERB
fsr-3513	22	12	their	their	PRON
fsr-3513	22	13	money	money	NOUN
fsr-3513	22	14	and	and	CCONJ
fsr-3513	22	15	financial	financial	ADJ
fsr-3513	22	16	affairs	affair	NOUN
fsr-3513	22	17	and	and	CCONJ
fsr-3513	22	18	are	be	AUX
fsr-3513	22	19	more	more	ADV
fsr-3513	22	20	likely	likely	ADJ
fsr-3513	22	21	to	to	PART
fsr-3513	22	22	have	have	VERB
fsr-3513	22	23	a	a	DET
fsr-3513	22	24	higher	high	ADJ
fsr-3513	22	25	level	level	NOUN
fsr-3513	22	26	of	of	ADP
fsr-3513	22	27	financial	financial	ADJ
fsr-3513	22	28	well	well	NOUN
fsr-3513	22	29	-	-	PUNCT
fsr-3513	22	30	being	being	NOUN
fsr-3513	22	31	than	than	ADP
fsr-3513	22	32	those	those	PRON
fsr-3513	22	33	who	who	PRON
fsr-3513	22	34	do	do	VERB
fsr-3513	22	35	not	not	PART
fsr-3513	22	36	(	(	PUNCT
fsr-3513	22	37	brugger	brugger	PROPN
fsr-3513	22	38	et	et	PROPN
fsr-3513	22	39	al	al	PROPN
fsr-3513	22	40	.	.	PROPN
fsr-3513	22	41	,	,	PUNCT
fsr-3513	22	42	2017	2017	NUM
fsr-3513	22	43	)	)	PUNCT
fsr-3513	22	44	.	.	PUNCT
fsr-3513	23	1	also	also	ADV
fsr-3513	23	2	,	,	PUNCT
fsr-3513	23	3	subjective	subjective	ADJ
fsr-3513	23	4	constructs	construct	NOUN
fsr-3513	23	5	,	,	PUNCT
fsr-3513	23	6	such	such	ADJ
fsr-3513	23	7	as	as	ADP
fsr-3513	23	8	selfcontrol	selfcontrol	NOUN
fsr-3513	23	9	and	and	CCONJ
fsr-3513	23	10	confidence	confidence	NOUN
fsr-3513	23	11	,	,	PUNCT
fsr-3513	23	12	can	can	AUX
fsr-3513	23	13	impact	impact	VERB
fsr-3513	23	14	financial	financial	ADJ
fsr-3513	23	15	well	well	NOUN
fsr-3513	23	16	-	-	PUNCT
fsr-3513	23	17	being	be	AUX
fsr-3513	23	18	(	(	PUNCT
fsr-3513	23	19	porto	porto	PROPN
fsr-3513	23	20	&	&	CCONJ
fsr-3513	23	21	xiao	xiao	PROPN
fsr-3513	23	22	,	,	PUNCT
fsr-3513	23	23	2022	2022	NUM
fsr-3513	23	24	)	)	PUNCT
fsr-3513	23	25	.	.	PUNCT
fsr-3513	24	1	those	those	PRON
fsr-3513	24	2	with	with	ADP
fsr-3513	24	3	more	more	ADJ
fsr-3513	24	4	confidence	confidence	NOUN
fsr-3513	24	5	in	in	ADP
fsr-3513	24	6	their	their	PRON
fsr-3513	24	7	financial	financial	ADJ
fsr-3513	24	8	affairs	affair	NOUN
fsr-3513	24	9	and	and	CCONJ
fsr-3513	24	10	selfcontrol	selfcontrol	NOUN
fsr-3513	24	11	most	most	ADV
fsr-3513	24	12	likely	likely	ADJ
fsr-3513	24	13	experience	experience	VERB
fsr-3513	24	14	higher	high	ADJ
fsr-3513	24	15	levels	level	NOUN
fsr-3513	24	16	of	of	ADP
fsr-3513	24	17	financial	financial	ADJ
fsr-3513	24	18	well	well	NOUN
fsr-3513	24	19	-	-	PUNCT
fsr-3513	24	20	being	being	NOUN
fsr-3513	24	21	than	than	ADP
fsr-3513	24	22	those	those	PRON
fsr-3513	24	23	who	who	PRON
fsr-3513	24	24	exhibit	exhibit	VERB
fsr-3513	24	25	under	under	ADP
fsr-3513	24	26	-	-	PUNCT
fsr-3513	24	27	confidence	confidence	NOUN
fsr-3513	24	28	and	and	CCONJ
fsr-3513	24	29	less	less	ADJ
fsr-3513	24	30	self	self	NOUN
fsr-3513	24	31	-	-	PUNCT
fsr-3513	24	32	control	control	NOUN
fsr-3513	24	33	(	(	PUNCT
fsr-3513	24	34	porto	porto	PROPN
fsr-3513	24	35	&	&	CCONJ
fsr-3513	24	36	xiao	xiao	PROPN
fsr-3513	24	37	,	,	PUNCT
fsr-3513	24	38	2022	2022	NUM
fsr-3513	24	39	)	)	PUNCT
fsr-3513	24	40	.	.	PUNCT
fsr-3513	25	1	african	african	PROPN
fsr-3513	25	2	americans	americans	PROPN
fsr-3513	25	3	have	have	AUX
fsr-3513	25	4	experienced	experience	VERB
fsr-3513	25	5	financial	financial	ADJ
fsr-3513	25	6	well	well	NOUN
fsr-3513	25	7	-	-	PUNCT
fsr-3513	25	8	being	being	NOUN
fsr-3513	25	9	at	at	ADP
fsr-3513	25	10	a	a	DET
fsr-3513	25	11	different	different	ADJ
fsr-3513	25	12	rate	rate	NOUN
fsr-3513	25	13	than	than	ADP
fsr-3513	25	14	other	other	ADJ
fsr-3513	25	15	racial	racial	ADJ
fsr-3513	25	16	groups	group	NOUN
fsr-3513	25	17	(	(	PUNCT
fsr-3513	25	18	cobb	cobb	PROPN
fsr-3513	25	19	,	,	PUNCT
fsr-3513	25	20	2022	2022	NUM
fsr-3513	25	21	)	)	PUNCT
fsr-3513	25	22	.	.	PUNCT
fsr-3513	26	1	numerous	numerous	ADJ
fsr-3513	26	2	studies	study	NOUN
fsr-3513	26	3	have	have	AUX
fsr-3513	26	4	examined	examine	VERB
fsr-3513	26	5	the	the	DET
fsr-3513	26	6	black	black	ADJ
fsr-3513	26	7	–	–	PUNCT
fsr-3513	26	8	white	white	ADJ
fsr-3513	26	9	wealth	wealth	NOUN
fsr-3513	26	10	gap	gap	NOUN
fsr-3513	26	11	,	,	PUNCT
fsr-3513	26	12	which	which	PRON
fsr-3513	26	13	highlights	highlight	VERB
fsr-3513	26	14	the	the	DET
fsr-3513	26	15	reality	reality	NOUN
fsr-3513	26	16	that	that	PRON
fsr-3513	26	17	african	african	ADJ
fsr-3513	26	18	americans	americans	PROPN
fsr-3513	26	19	have	have	AUX
fsr-3513	26	20	not	not	PART
fsr-3513	26	21	generated	generate	VERB
fsr-3513	26	22	as	as	ADV
fsr-3513	26	23	much	much	ADJ
fsr-3513	26	24	wealth	wealth	NOUN
fsr-3513	26	25	as	as	ADP
fsr-3513	26	26	european	european	PROPN
fsr-3513	26	27	americans4	americans4	PROPN
fsr-3513	26	28	(	(	PUNCT
fsr-3513	26	29	mcintosh	mcintosh	PROPN
fsr-3513	26	30	et	et	PROPN
fsr-3513	26	31	al	al	PROPN
fsr-3513	26	32	.	.	PROPN
fsr-3513	26	33	,	,	PUNCT
fsr-3513	26	34	2020	2020	NUM
fsr-3513	26	35	)	)	PUNCT
fsr-3513	26	36	.	.	PUNCT
fsr-3513	27	1	in	in	ADP
fsr-3513	27	2	the	the	DET
fsr-3513	27	3	context	context	NOUN
fsr-3513	27	4	of	of	ADP
fsr-3513	27	5	this	this	DET
fsr-3513	27	6	observation	observation	NOUN
fsr-3513	27	7	,	,	PUNCT
fsr-3513	27	8	it	it	PRON
fsr-3513	27	9	is	be	AUX
fsr-3513	27	10	worth	worth	ADJ
fsr-3513	27	11	remembering	remember	VERB
fsr-3513	27	12	that	that	SCONJ
fsr-3513	27	13	wealth	wealth	NOUN
fsr-3513	27	14	is	be	AUX
fsr-3513	27	15	associated	associate	VERB
fsr-3513	27	16	with	with	ADP
fsr-3513	27	17	financial	financial	ADJ
fsr-3513	27	18	well	well	NOUN
fsr-3513	27	19	-	-	PUNCT
fsr-3513	27	20	being	being	NOUN
fsr-3513	27	21	(	(	PUNCT
fsr-3513	27	22	atalay	atalay	ADJ
fsr-3513	27	23	&	&	CCONJ
fsr-3513	27	24	edwards	edwards	PROPN
fsr-3513	27	25	,	,	PUNCT
fsr-3513	27	26	2022	2022	NUM
fsr-3513	27	27	)	)	PUNCT
fsr-3513	27	28	.	.	PUNCT
fsr-3513	28	1	discrimination	discrimination	NOUN
fsr-3513	28	2	has	have	AUX
fsr-3513	28	3	certainly	certainly	ADV
fsr-3513	28	4	impacted	impact	VERB
fsr-3513	28	5	african	african	ADJ
fsr-3513	28	6	americans	americans	PROPN
fsr-3513	28	7	’	’	PART
fsr-3513	28	8	ability	ability	NOUN
fsr-3513	28	9	to	to	PART
fsr-3513	28	10	secure	secure	VERB
fsr-3513	28	11	and	and	CCONJ
fsr-3513	28	12	maintain	maintain	VERB
fsr-3513	28	13	4	4	NUM
fsr-3513	28	14	the	the	DET
fsr-3513	28	15	use	use	NOUN
fsr-3513	28	16	of	of	ADP
fsr-3513	28	17	this	this	DET
fsr-3513	28	18	term	term	NOUN
fsr-3513	28	19	aligns	align	VERB
fsr-3513	28	20	with	with	ADP
fsr-3513	28	21	recommendations	recommendation	NOUN
fsr-3513	28	22	made	make	VERB
fsr-3513	28	23	by	by	ADP
fsr-3513	28	24	the	the	DET
fsr-3513	28	25	american	american	PROPN
fsr-3513	28	26	psychological	psychological	PROPN
fsr-3513	28	27	association	association	PROPN
fsr-3513	28	28	(	(	PUNCT
fsr-3513	28	29	2015	2015	NUM
fsr-3513	28	30	)	)	PUNCT
fsr-3513	28	31	.	.	PUNCT
fsr-3513	29	1	employment	employment	NOUN
fsr-3513	29	2	,	,	PUNCT
fsr-3513	29	3	establish	establish	VERB
fsr-3513	29	4	excellent	excellent	ADJ
fsr-3513	29	5	credit	credit	NOUN
fsr-3513	29	6	histories	history	NOUN
fsr-3513	29	7	,	,	PUNCT
fsr-3513	29	8	and	and	CCONJ
fsr-3513	29	9	accumulate	accumulate	VERB
fsr-3513	29	10	wealth	wealth	NOUN
fsr-3513	29	11	(	(	PUNCT
fsr-3513	29	12	atalay	atalay	PROPN
fsr-3513	29	13	&	&	CCONJ
fsr-3513	29	14	edwards	edwards	PROPN
fsr-3513	29	15	,	,	PUNCT
fsr-3513	29	16	2022	2022	NUM
fsr-3513	29	17	)	)	PUNCT
fsr-3513	29	18	.	.	PUNCT
fsr-3513	30	1	financial	financial	ADJ
fsr-3513	30	2	knowledge	knowledge	NOUN
fsr-3513	30	3	and	and	CCONJ
fsr-3513	30	4	literacy	literacy	NOUN
fsr-3513	30	5	likewise	likewise	ADV
fsr-3513	30	6	impact	impact	VERB
fsr-3513	30	7	african	african	ADJ
fsr-3513	30	8	americans	americans	PROPN
fsr-3513	30	9	’	’	PART
fsr-3513	30	10	financial	financial	ADJ
fsr-3513	30	11	well	well	ADV
fsr-3513	30	12	-	-	PUNCT
fsr-3513	30	13	being	be	AUX
fsr-3513	30	14	more	more	ADJ
fsr-3513	30	15	than	than	ADP
fsr-3513	30	16	that	that	PRON
fsr-3513	30	17	of	of	ADP
fsr-3513	30	18	european	european	PROPN
fsr-3513	30	19	americans	americans	PROPN
fsr-3513	30	20	(	(	PUNCT
fsr-3513	30	21	yakoboski	yakoboski	NOUN
fsr-3513	30	22	et	et	PROPN
fsr-3513	30	23	al	al	PROPN
fsr-3513	30	24	.	.	PROPN
fsr-3513	30	25	,	,	PUNCT
fsr-3513	30	26	2019	2019	NUM
fsr-3513	30	27	)	)	PUNCT
fsr-3513	30	28	.	.	PUNCT
fsr-3513	31	1	it	it	PRON
fsr-3513	31	2	is	be	AUX
fsr-3513	31	3	vital	vital	ADJ
fsr-3513	31	4	for	for	SCONJ
fsr-3513	31	5	african	african	ADJ
fsr-3513	31	6	americans	americans	PROPN
fsr-3513	31	7	to	to	PART
fsr-3513	31	8	experience	experience	VERB
fsr-3513	31	9	financial	financial	ADJ
fsr-3513	31	10	well	well	NOUN
fsr-3513	31	11	-	-	PUNCT
fsr-3513	31	12	being	being	NOUN
fsr-3513	31	13	at	at	ADP
fsr-3513	31	14	the	the	DET
fsr-3513	31	15	same	same	ADJ
fsr-3513	31	16	rate	rate	NOUN
fsr-3513	31	17	as	as	ADP
fsr-3513	31	18	other	other	ADJ
fsr-3513	31	19	segments	segment	NOUN
fsr-3513	31	20	for	for	ADP
fsr-3513	31	21	the	the	DET
fsr-3513	31	22	united	united	PROPN
fsr-3513	31	23	states	states	PROPN
fsr-3513	31	24	to	to	PART
fsr-3513	31	25	be	be	AUX
fsr-3513	31	26	vibrant	vibrant	ADJ
fsr-3513	31	27	(	(	PUNCT
fsr-3513	31	28	brown	brown	PROPN
fsr-3513	31	29	&	&	CCONJ
fsr-3513	31	30	robinson	robinson	PROPN
fsr-3513	31	31	,	,	PUNCT
fsr-3513	31	32	2016	2016	NUM
fsr-3513	31	33	)	)	PUNCT
fsr-3513	31	34	.	.	PUNCT
fsr-3513	32	1	fan	fan	NOUN
fsr-3513	32	2	and	and	CCONJ
fsr-3513	32	3	park	park	NOUN
fsr-3513	32	4	(	(	PUNCT
fsr-3513	32	5	2021	2021	NUM
fsr-3513	32	6	)	)	PUNCT
fsr-3513	32	7	combined	combine	VERB
fsr-3513	32	8	the	the	DET
fsr-3513	32	9	theoretical	theoretical	ADJ
fsr-3513	32	10	model	model	NOUN
fsr-3513	32	11	of	of	ADP
fsr-3513	32	12	financial	financial	ADJ
fsr-3513	32	13	socialization	socialization	NOUN
fsr-3513	32	14	by	by	ADP
fsr-3513	32	15	gudmunson	gudmunson	NOUN
fsr-3513	32	16	and	and	CCONJ
fsr-3513	32	17	dane	dane	PROPN
fsr-3513	32	18	(	(	PUNCT
fsr-3513	32	19	2011	2011	NUM
fsr-3513	32	20	)	)	PUNCT
fsr-3513	32	21	with	with	ADP
fsr-3513	32	22	fisher	fisher	PROPN
fsr-3513	32	23	and	and	CCONJ
fsr-3513	32	24	fisher	fisher	PROPN
fsr-3513	32	25	’s	’s	PART
fsr-3513	32	26	(	(	PUNCT
fsr-3513	32	27	1992	1992	NUM
fsr-3513	32	28	)	)	PUNCT
fsr-3513	32	29	information	information	NOUN
fsr-3513	32	30	motivation	motivation	NOUN
fsr-3513	32	31	behavior	behavior	NOUN
fsr-3513	32	32	model	model	NOUN
fsr-3513	32	33	to	to	PART
fsr-3513	32	34	develop	develop	VERB
fsr-3513	32	35	a	a	DET
fsr-3513	32	36	new	new	ADJ
fsr-3513	32	37	model	model	NOUN
fsr-3513	32	38	that	that	PRON
fsr-3513	32	39	examined	examine	VERB
fsr-3513	32	40	the	the	DET
fsr-3513	32	41	impact	impact	NOUN
fsr-3513	32	42	of	of	ADP
fsr-3513	32	43	financial	financial	ADJ
fsr-3513	32	44	socialization	socialization	NOUN
fsr-3513	32	45	mediated	mediate	VERB
fsr-3513	32	46	by	by	ADP
fsr-3513	32	47	financial	financial	ADJ
fsr-3513	32	48	knowledge	knowledge	NOUN
fsr-3513	32	49	,	,	PUNCT
fsr-3513	32	50	goal	goal	NOUN
fsr-3513	32	51	setting	setting	NOUN
fsr-3513	32	52	,	,	PUNCT
fsr-3513	32	53	and	and	CCONJ
fsr-3513	32	54	self	self	NOUN
fsr-3513	32	55	-	-	PUNCT
fsr-3513	32	56	control	control	NOUN
fsr-3513	32	57	on	on	ADP
fsr-3513	32	58	an	an	DET
fsr-3513	32	59	individual	individual	NOUN
fsr-3513	32	60	’s	’s	PART
fsr-3513	32	61	well	well	ADV
fsr-3513	32	62	-	-	PUNCT
fsr-3513	32	63	being	be	AUX
fsr-3513	32	64	(	(	PUNCT
fsr-3513	32	65	financial	financial	ADJ
fsr-3513	32	66	and	and	CCONJ
fsr-3513	32	67	subjective	subjective	ADJ
fsr-3513	32	68	)	)	PUNCT
fsr-3513	32	69	.	.	PUNCT
fsr-3513	33	1	fan	fan	NOUN
fsr-3513	33	2	and	and	CCONJ
fsr-3513	33	3	park	park	NOUN
fsr-3513	33	4	(	(	PUNCT
fsr-3513	33	5	2021	2021	NUM
fsr-3513	33	6	)	)	PUNCT
fsr-3513	33	7	used	use	VERB
fsr-3513	33	8	this	this	DET
fsr-3513	33	9	model	model	NOUN
fsr-3513	33	10	on	on	ADP
fsr-3513	33	11	young	young	ADJ
fsr-3513	33	12	adults	adult	NOUN
fsr-3513	33	13	.	.	PUNCT
fsr-3513	34	1	in	in	ADP
fsr-3513	34	2	contrast	contrast	NOUN
fsr-3513	34	3	,	,	PUNCT
fsr-3513	34	4	in	in	ADP
fsr-3513	34	5	this	this	DET
fsr-3513	34	6	study	study	NOUN
fsr-3513	34	7	,	,	PUNCT
fsr-3513	34	8	we	we	PRON
fsr-3513	34	9	used	use	VERB
fsr-3513	34	10	these	these	DET
fsr-3513	34	11	models	model	NOUN
fsr-3513	34	12	to	to	PART
fsr-3513	34	13	assess	assess	VERB
fsr-3513	34	14	the	the	DET
fsr-3513	34	15	impact	impact	NOUN
fsr-3513	34	16	of	of	ADP
fsr-3513	34	17	financial	financial	ADJ
fsr-3513	34	18	socialization	socialization	NOUN
fsr-3513	34	19	on	on	ADP
fsr-3513	34	20	well	well	ADV
fsr-3513	34	21	-	-	PUNCT
fsr-3513	34	22	being	be	AUX
fsr-3513	34	23	(	(	PUNCT
fsr-3513	34	24	financial	financial	ADJ
fsr-3513	34	25	and	and	CCONJ
fsr-3513	34	26	subjective	subjective	ADJ
fsr-3513	34	27	)	)	PUNCT
fsr-3513	34	28	to	to	PART
fsr-3513	34	29	determine	determine	VERB
fsr-3513	34	30	if	if	SCONJ
fsr-3513	34	31	there	there	PRON
fsr-3513	34	32	was	be	VERB
fsr-3513	34	33	a	a	DET
fsr-3513	34	34	difference	difference	NOUN
fsr-3513	34	35	in	in	ADP
fsr-3513	34	36	the	the	DET
fsr-3513	34	37	relationships	relationship	NOUN
fsr-3513	34	38	between	between	ADP
fsr-3513	34	39	african	african	ADJ
fsr-3513	34	40	americans	americans	PROPN
fsr-3513	34	41	versus	versus	ADP
fsr-3513	34	42	european	european	PROPN
fsr-3513	34	43	americans	americans	PROPN
fsr-3513	34	44	.	.	PUNCT
fsr-3513	35	1	this	this	DET
fsr-3513	35	2	study	study	NOUN
fsr-3513	35	3	advances	advance	VERB
fsr-3513	35	4	the	the	DET
fsr-3513	35	5	literature	literature	NOUN
fsr-3513	35	6	related	relate	VERB
fsr-3513	35	7	to	to	ADP
fsr-3513	35	8	the	the	DET
fsr-3513	35	9	blackwhite	blackwhite	NOUN
fsr-3513	35	10	wealth	wealth	NOUN
fsr-3513	35	11	gap	gap	NOUN
fsr-3513	35	12	by	by	ADP
fsr-3513	35	13	concentrating	concentrate	VERB
fsr-3513	35	14	explicitly	explicitly	ADV
fsr-3513	35	15	on	on	ADP
fsr-3513	35	16	african	african	ADJ
fsr-3513	35	17	americans	americans	PROPN
fsr-3513	35	18	’	’	PART
fsr-3513	35	19	financial	financial	ADJ
fsr-3513	35	20	well	well	NOUN
fsr-3513	35	21	-	-	PUNCT
fsr-3513	35	22	being	being	NOUN
fsr-3513	35	23	.	.	PUNCT
fsr-3513	36	1	this	this	DET
fsr-3513	36	2	study	study	NOUN
fsr-3513	36	3	provides	provide	VERB
fsr-3513	36	4	insight	insight	NOUN
fsr-3513	36	5	into	into	ADP
fsr-3513	36	6	understanding	understand	VERB
fsr-3513	36	7	why	why	SCONJ
fsr-3513	36	8	african	african	ADJ
fsr-3513	36	9	americans	americans	PROPN
fsr-3513	36	10	have	have	VERB
fsr-3513	36	11	yet	yet	ADV
fsr-3513	36	12	to	to	PART
fsr-3513	36	13	experience	experience	VERB
fsr-3513	36	14	financial	financial	ADJ
fsr-3513	36	15	well	well	NOUN
fsr-3513	36	16	-	-	PUNCT
fsr-3513	36	17	being	being	NOUN
fsr-3513	36	18	as	as	ADV
fsr-3513	36	19	much	much	ADJ
fsr-3513	36	20	as	as	ADP
fsr-3513	36	21	others	other	NOUN
fsr-3513	36	22	.	.	PUNCT
fsr-3513	37	1	literature	literature	NOUN
fsr-3513	37	2	review	review	VERB
fsr-3513	37	3	financial	financial	ADJ
fsr-3513	37	4	socialization	socialization	NOUN
fsr-3513	37	5	at	at	ADP
fsr-3513	37	6	what	what	DET
fsr-3513	37	7	point	point	NOUN
fsr-3513	37	8	does	do	AUX
fsr-3513	37	9	a	a	DET
fsr-3513	37	10	person	person	NOUN
fsr-3513	37	11	choose	choose	VERB
fsr-3513	37	12	to	to	PART
fsr-3513	37	13	be	be	AUX
fsr-3513	37	14	better	well	ADJ
fsr-3513	37	15	off	off	ADV
fsr-3513	37	16	than	than	SCONJ
fsr-3513	37	17	they	they	PRON
fsr-3513	37	18	are	be	AUX
fsr-3513	37	19	now	now	ADV
fsr-3513	37	20	?	?	PUNCT
fsr-3513	38	1	is	be	AUX
fsr-3513	38	2	it	it	PRON
fsr-3513	38	3	after	after	SCONJ
fsr-3513	38	4	they	they	PRON
fsr-3513	38	5	fail	fail	VERB
fsr-3513	38	6	to	to	PART
fsr-3513	38	7	pay	pay	VERB
fsr-3513	38	8	a	a	DET
fsr-3513	38	9	bill	bill	NOUN
fsr-3513	38	10	?	?	PUNCT
fsr-3513	39	1	is	be	AUX
fsr-3513	39	2	it	it	PRON
fsr-3513	39	3	when	when	SCONJ
fsr-3513	39	4	they	they	PRON
fsr-3513	39	5	can	can	AUX
fsr-3513	39	6	not	not	PART
fsr-3513	39	7	feed	feed	VERB
fsr-3513	39	8	their	their	PRON
fsr-3513	39	9	children	child	NOUN
fsr-3513	39	10	?	?	PUNCT
fsr-3513	40	1	is	be	AUX
fsr-3513	40	2	it	it	PRON
fsr-3513	40	3	when	when	SCONJ
fsr-3513	40	4	they	they	PRON
fsr-3513	40	5	are	be	AUX
fsr-3513	40	6	a	a	DET
fsr-3513	40	7	child	child	NOUN
fsr-3513	40	8	observing	observe	VERB
fsr-3513	40	9	the	the	DET
fsr-3513	40	10	family	family	NOUN
fsr-3513	40	11	’s	’s	PART
fsr-3513	40	12	financial	financial	ADJ
fsr-3513	40	13	dynamics	dynamic	NOUN
fsr-3513	40	14	?	?	PUNCT
fsr-3513	41	1	jorgensen	jorgensen	NOUN
fsr-3513	41	2	and	and	CCONJ
fsr-3513	41	3	savla	savla	NOUN
fsr-3513	41	4	(	(	PUNCT
fsr-3513	41	5	2010	2010	NUM
fsr-3513	41	6	)	)	PUNCT
fsr-3513	41	7	surveyed	survey	VERB
fsr-3513	41	8	college	college	NOUN
fsr-3513	41	9	students	student	NOUN
fsr-3513	41	10	about	about	ADP
fsr-3513	41	11	the	the	DET
fsr-3513	41	12	perceived	perceive	VERB
fsr-3513	41	13	influence	influence	NOUN
fsr-3513	41	14	of	of	ADP
fsr-3513	41	15	parents	parent	NOUN
fsr-3513	41	16	on	on	ADP
fsr-3513	41	17	their	their	PRON
fsr-3513	41	18	financial	financial	ADJ
fsr-3513	41	19	attitudes	attitude	NOUN
fsr-3513	41	20	and	and	CCONJ
fsr-3513	41	21	behaviors	behavior	NOUN
fsr-3513	41	22	.	.	PUNCT
fsr-3513	42	1	they	they	PRON
fsr-3513	42	2	found	find	VERB
fsr-3513	42	3	the	the	DET
fsr-3513	42	4	level	level	NOUN
fsr-3513	42	5	of	of	ADP
fsr-3513	42	6	influence	influence	NOUN
fsr-3513	42	7	was	be	AUX
fsr-3513	42	8	a	a	DET
fsr-3513	42	9	significant	significant	ADJ
fsr-3513	42	10	external	external	ADJ
fsr-3513	42	11	factor	factor	NOUN
fsr-3513	42	12	since	since	SCONJ
fsr-3513	42	13	the	the	DET
fsr-3513	42	14	degree	degree	NOUN
fsr-3513	42	15	of	of	ADP
fsr-3513	42	16	impact	impact	NOUN
fsr-3513	42	17	had	have	VERB
fsr-3513	42	18	magnitude	magnitude	NOUN
fsr-3513	42	19	and	and	CCONJ
fsr-3513	42	20	direction	direction	NOUN
fsr-3513	42	21	.	.	PUNCT
fsr-3513	43	1	according	accord	VERB
fsr-3513	43	2	to	to	ADP
fsr-3513	43	3	shim	shim	NOUN
fsr-3513	43	4	and	and	CCONJ
fsr-3513	43	5	serido	serido	PRON
fsr-3513	43	6	(	(	PUNCT
fsr-3513	43	7	2011	2011	NUM
fsr-3513	43	8	)	)	PUNCT
fsr-3513	43	9	,	,	PUNCT
fsr-3513	43	10	parental	parental	ADJ
fsr-3513	43	11	influence	influence	NOUN
fsr-3513	43	12	is	be	AUX
fsr-3513	43	13	1.5	1.5	NUM
fsr-3513	43	14	times	time	NOUN
fsr-3513	43	15	greater	great	ADJ
fsr-3513	43	16	than	than	ADP
fsr-3513	43	17	that	that	PRON
fsr-3513	43	18	of	of	ADP
fsr-3513	43	19	financial	financial	ADJ
fsr-3513	43	20	education	education	NOUN
fsr-3513	43	21	and	and	CCONJ
fsr-3513	43	22	more	more	ADJ
fsr-3513	43	23	than	than	ADP
fsr-3513	43	24	twice	twice	DET
fsr-3513	43	25	that	that	DET
fsr-3513	43	26	of	of	ADP
fsr-3513	43	27	friends	friend	NOUN
fsr-3513	43	28	.	.	PUNCT
fsr-3513	44	1	young	young	ADJ
fsr-3513	44	2	et	et	PROPN
fsr-3513	44	3	al	al	PROPN
fsr-3513	44	4	.	.	PROPN
fsr-3513	44	5	55	55	NUM
fsr-3513	44	6	they	they	PRON
fsr-3513	44	7	showed	show	VERB
fsr-3513	44	8	that	that	SCONJ
fsr-3513	44	9	students	student	NOUN
fsr-3513	44	10	who	who	PRON
fsr-3513	44	11	reported	report	VERB
fsr-3513	44	12	discussing	discuss	VERB
fsr-3513	44	13	financial	financial	ADJ
fsr-3513	44	14	matters	matter	NOUN
fsr-3513	44	15	with	with	ADP
fsr-3513	44	16	their	their	PRON
fsr-3513	44	17	parents	parent	NOUN
fsr-3513	44	18	and	and	CCONJ
fsr-3513	44	19	learning	learn	VERB
fsr-3513	44	20	about	about	ADP
fsr-3513	44	21	managing	manage	VERB
fsr-3513	44	22	money	money	NOUN
fsr-3513	44	23	from	from	ADP
fsr-3513	44	24	them	they	PRON
fsr-3513	44	25	also	also	ADV
fsr-3513	44	26	reported	report	VERB
fsr-3513	44	27	healthier	healthy	ADJ
fsr-3513	44	28	financial	financial	ADJ
fsr-3513	44	29	attitudes	attitude	NOUN
fsr-3513	44	30	.	.	PUNCT
fsr-3513	45	1	financial	financial	ADJ
fsr-3513	45	2	socialization	socialization	NOUN
fsr-3513	45	3	refers	refer	VERB
fsr-3513	45	4	to	to	ADP
fsr-3513	45	5	“	"	PUNCT
fsr-3513	45	6	acquiring	acquire	VERB
fsr-3513	45	7	and	and	CCONJ
fsr-3513	45	8	developing	develop	VERB
fsr-3513	45	9	values	value	NOUN
fsr-3513	45	10	,	,	PUNCT
fsr-3513	45	11	attitudes	attitude	NOUN
fsr-3513	45	12	,	,	PUNCT
fsr-3513	45	13	standards	standard	NOUN
fsr-3513	45	14	,	,	PUNCT
fsr-3513	45	15	norms	norm	NOUN
fsr-3513	45	16	,	,	PUNCT
fsr-3513	45	17	knowledge	knowledge	NOUN
fsr-3513	45	18	,	,	PUNCT
fsr-3513	45	19	and	and	CCONJ
fsr-3513	45	20	behaviors	behavior	NOUN
fsr-3513	45	21	”	"	PUNCT
fsr-3513	45	22	(	(	PUNCT
fsr-3513	45	23	danes	dane	NOUN
fsr-3513	45	24	,	,	PUNCT
fsr-3513	45	25	1994	1994	NUM
fsr-3513	45	26	,	,	PUNCT
fsr-3513	45	27	p.	p.	NOUN
fsr-3513	45	28	128	128	NUM
fsr-3513	45	29	)	)	PUNCT
fsr-3513	45	30	that	that	PRON
fsr-3513	45	31	provide	provide	VERB
fsr-3513	45	32	the	the	DET
fsr-3513	45	33	context	context	NOUN
fsr-3513	45	34	for	for	ADP
fsr-3513	45	35	one	one	NUM
fsr-3513	45	36	’s	’s	PART
fsr-3513	45	37	financial	financial	ADJ
fsr-3513	45	38	practices	practice	NOUN
fsr-3513	45	39	.	.	PUNCT
fsr-3513	46	1	according	accord	VERB
fsr-3513	46	2	to	to	ADP
fsr-3513	46	3	kim	kim	PROPN
fsr-3513	46	4	and	and	CCONJ
fsr-3513	46	5	chatterjee	chatterjee	PROPN
fsr-3513	46	6	(	(	PUNCT
fsr-3513	46	7	2013	2013	NUM
fsr-3513	46	8	)	)	PUNCT
fsr-3513	46	9	,	,	PUNCT
fsr-3513	46	10	financial	financial	ADJ
fsr-3513	46	11	socialization	socialization	NOUN
fsr-3513	46	12	is	be	AUX
fsr-3513	46	13	related	relate	VERB
fsr-3513	46	14	to	to	ADP
fsr-3513	46	15	how	how	SCONJ
fsr-3513	46	16	individuals	individual	NOUN
fsr-3513	46	17	develop	develop	VERB
fsr-3513	46	18	the	the	DET
fsr-3513	46	19	attitudes	attitude	NOUN
fsr-3513	46	20	,	,	PUNCT
fsr-3513	46	21	beliefs	belief	NOUN
fsr-3513	46	22	,	,	PUNCT
fsr-3513	46	23	knowledge	knowledge	NOUN
fsr-3513	46	24	,	,	PUNCT
fsr-3513	46	25	and	and	CCONJ
fsr-3513	46	26	skills	skill	NOUN
fsr-3513	46	27	necessary	necessary	ADJ
fsr-3513	46	28	to	to	PART
fsr-3513	46	29	manage	manage	VERB
fsr-3513	46	30	finances	finance	NOUN
fsr-3513	46	31	.	.	PUNCT
fsr-3513	47	1	among	among	ADP
fsr-3513	47	2	these	these	DET
fsr-3513	47	3	financial	financial	ADJ
fsr-3513	47	4	socialization	socialization	NOUN
fsr-3513	47	5	agents	agent	NOUN
fsr-3513	47	6	,	,	PUNCT
fsr-3513	47	7	family	family	NOUN
fsr-3513	47	8	influence	influence	NOUN
fsr-3513	47	9	,	,	PUNCT
fsr-3513	47	10	especially	especially	ADV
fsr-3513	47	11	the	the	DET
fsr-3513	47	12	influence	influence	NOUN
fsr-3513	47	13	of	of	ADP
fsr-3513	47	14	parents	parent	NOUN
fsr-3513	47	15	,	,	PUNCT
fsr-3513	47	16	is	be	AUX
fsr-3513	47	17	predominant	predominant	ADJ
fsr-3513	47	18	(	(	PUNCT
fsr-3513	47	19	danes	dane	NOUN
fsr-3513	47	20	&	&	CCONJ
fsr-3513	47	21	haberman	haberman	PROPN
fsr-3513	47	22	,	,	PUNCT
fsr-3513	47	23	2007	2007	NUM
fsr-3513	47	24	;	;	PUNCT
fsr-3513	47	25	fan	fan	PROPN
fsr-3513	47	26	&	&	CCONJ
fsr-3513	47	27	chatterjee	chatterjee	PROPN
fsr-3513	47	28	,	,	PUNCT
fsr-3513	47	29	2019	2019	NUM
fsr-3513	47	30	)	)	PUNCT
fsr-3513	47	31	.	.	PUNCT
fsr-3513	48	1	in	in	ADP
fsr-3513	48	2	this	this	DET
fsr-3513	48	3	literature	literature	NOUN
fsr-3513	48	4	review	review	NOUN
fsr-3513	48	5	,	,	PUNCT
fsr-3513	48	6	we	we	PRON
fsr-3513	48	7	will	will	AUX
fsr-3513	48	8	identify	identify	VERB
fsr-3513	48	9	research	research	NOUN
fsr-3513	48	10	on	on	ADP
fsr-3513	48	11	the	the	DET
fsr-3513	48	12	various	various	ADJ
fsr-3513	48	13	socialization	socialization	NOUN
fsr-3513	48	14	agents	agent	NOUN
fsr-3513	48	15	(	(	PUNCT
fsr-3513	48	16	i.e.	i.e.	X
fsr-3513	48	17	,	,	PUNCT
fsr-3513	48	18	family	family	NOUN
fsr-3513	48	19	,	,	PUNCT
fsr-3513	48	20	peers	peer	NOUN
fsr-3513	48	21	,	,	PUNCT
fsr-3513	48	22	and	and	CCONJ
fsr-3513	48	23	financial	financial	ADJ
fsr-3513	48	24	literacy	literacy	NOUN
fsr-3513	48	25	programs	program	NOUN
fsr-3513	48	26	)	)	PUNCT
fsr-3513	48	27	and	and	CCONJ
fsr-3513	48	28	their	their	PRON
fsr-3513	48	29	impact	impact	NOUN
fsr-3513	48	30	on	on	ADP
fsr-3513	48	31	financial	financial	ADJ
fsr-3513	48	32	behavior	behavior	NOUN
fsr-3513	48	33	ultimately	ultimately	ADV
fsr-3513	48	34	leading	lead	VERB
fsr-3513	48	35	to	to	ADP
fsr-3513	48	36	a	a	DET
fsr-3513	48	37	specific	specific	ADJ
fsr-3513	48	38	financial	financial	ADJ
fsr-3513	48	39	well	well	ADV
fsr-3513	48	40	-	-	PUNCT
fsr-3513	48	41	being	being	NOUN
fsr-3513	48	42	status	status	NOUN
fsr-3513	48	43	.	.	PUNCT
fsr-3513	49	1	it	it	PRON
fsr-3513	49	2	only	only	ADV
fsr-3513	49	3	makes	make	VERB
fsr-3513	49	4	sense	sense	NOUN
fsr-3513	49	5	that	that	SCONJ
fsr-3513	49	6	family	family	NOUN
fsr-3513	49	7	influences	influence	NOUN
fsr-3513	49	8	are	be	AUX
fsr-3513	49	9	predominantly	predominantly	ADV
fsr-3513	49	10	based	base	VERB
fsr-3513	49	11	on	on	ADP
fsr-3513	49	12	the	the	DET
fsr-3513	49	13	typical	typical	ADJ
fsr-3513	49	14	length	length	NOUN
fsr-3513	49	15	of	of	ADP
fsr-3513	49	16	time	time	NOUN
fsr-3513	49	17	(	(	PUNCT
fsr-3513	49	18	birth	birth	NOUN
fsr-3513	49	19	to	to	ADP
fsr-3513	49	20	age	age	NOUN
fsr-3513	49	21	18	18	NUM
fsr-3513	49	22	)	)	PUNCT
fsr-3513	49	23	family	family	NOUN
fsr-3513	49	24	members	member	NOUN
fsr-3513	49	25	have	have	VERB
fsr-3513	49	26	to	to	PART
fsr-3513	49	27	plant	plant	VERB
fsr-3513	49	28	,	,	PUNCT
fsr-3513	49	29	nourish	nourish	NOUN
fsr-3513	49	30	,	,	PUNCT
fsr-3513	49	31	and	and	CCONJ
fsr-3513	49	32	grow	grow	VERB
fsr-3513	49	33	the	the	DET
fsr-3513	49	34	ideas	idea	NOUN
fsr-3513	49	35	/	/	SYM
fsr-3513	49	36	ideals	ideal	NOUN
fsr-3513	49	37	expected	expect	VERB
fsr-3513	49	38	.	.	PUNCT
fsr-3513	50	1	most	most	ADJ
fsr-3513	50	2	financial	financial	ADJ
fsr-3513	50	3	literacy	literacy	NOUN
fsr-3513	50	4	materials	material	NOUN
fsr-3513	50	5	aimed	aim	VERB
fsr-3513	50	6	at	at	ADP
fsr-3513	50	7	children	child	NOUN
fsr-3513	50	8	support	support	VERB
fsr-3513	50	9	parental	parental	ADJ
fsr-3513	50	10	involvement	involvement	NOUN
fsr-3513	50	11	;	;	PUNCT
fsr-3513	50	12	however	however	ADV
fsr-3513	50	13	,	,	PUNCT
fsr-3513	50	14	there	there	PRON
fsr-3513	50	15	are	be	VERB
fsr-3513	50	16	not	not	PART
fsr-3513	50	17	enough	enough	ADJ
fsr-3513	50	18	such	such	ADJ
fsr-3513	50	19	programs	program	NOUN
fsr-3513	50	20	,	,	PUNCT
fsr-3513	50	21	so	so	ADV
fsr-3513	50	22	instances	instance	NOUN
fsr-3513	50	23	where	where	SCONJ
fsr-3513	50	24	parents	parent	NOUN
fsr-3513	50	25	initiate	initiate	VERB
fsr-3513	50	26	socialization	socialization	NOUN
fsr-3513	50	27	gives	give	VERB
fsr-3513	50	28	young	young	ADJ
fsr-3513	50	29	people	people	NOUN
fsr-3513	50	30	a	a	DET
fsr-3513	50	31	tremendous	tremendous	ADJ
fsr-3513	50	32	head	head	NOUN
fsr-3513	50	33	start	start	VERB
fsr-3513	50	34	.	.	PUNCT
fsr-3513	51	1	for	for	ADP
fsr-3513	51	2	example	example	NOUN
fsr-3513	51	3	,	,	PUNCT
fsr-3513	51	4	pliner	pliner	PROPN
fsr-3513	51	5	et	et	PROPN
fsr-3513	51	6	al	al	PROPN
fsr-3513	51	7	.	.	PROPN
fsr-3513	52	1	(	(	PUNCT
fsr-3513	52	2	1996	1996	NUM
fsr-3513	52	3	)	)	PUNCT
fsr-3513	52	4	found	find	VERB
fsr-3513	52	5	that	that	SCONJ
fsr-3513	52	6	children	child	NOUN
fsr-3513	52	7	whose	whose	DET
fsr-3513	52	8	mothers	mother	NOUN
fsr-3513	52	9	gave	give	VERB
fsr-3513	52	10	them	they	PRON
fsr-3513	52	11	financial	financial	ADJ
fsr-3513	52	12	guidance	guidance	NOUN
fsr-3513	52	13	and	and	CCONJ
fsr-3513	52	14	warmly	warmly	ADV
fsr-3513	52	15	communicated	communicate	VERB
fsr-3513	52	16	their	their	PRON
fsr-3513	52	17	economic	economic	ADJ
fsr-3513	52	18	expectations	expectation	NOUN
fsr-3513	52	19	exhibited	exhibit	VERB
fsr-3513	52	20	positive	positive	ADJ
fsr-3513	52	21	financial	financial	ADJ
fsr-3513	52	22	behaviors	behavior	NOUN
fsr-3513	52	23	.	.	PUNCT
fsr-3513	53	1	similarly	similarly	ADV
fsr-3513	53	2	,	,	PUNCT
fsr-3513	53	3	children	child	NOUN
fsr-3513	53	4	whose	whose	DET
fsr-3513	53	5	parents	parent	NOUN
fsr-3513	53	6	oversaw	oversaw	VERB
fsr-3513	53	7	their	their	PRON
fsr-3513	53	8	spending	spending	NOUN
fsr-3513	53	9	were	be	AUX
fsr-3513	53	10	more	more	ADV
fsr-3513	53	11	likely	likely	ADJ
fsr-3513	53	12	to	to	PART
fsr-3513	53	13	have	have	VERB
fsr-3513	53	14	confidence	confidence	NOUN
fsr-3513	53	15	in	in	ADP
fsr-3513	53	16	their	their	PRON
fsr-3513	53	17	abilities	ability	NOUN
fsr-3513	53	18	as	as	ADP
fsr-3513	53	19	money	money	NOUN
fsr-3513	53	20	managers	manager	NOUN
fsr-3513	53	21	(	(	PUNCT
fsr-3513	53	22	kim	kim	PROPN
fsr-3513	53	23	&	&	CCONJ
fsr-3513	53	24	chatterjee	chatterjee	PROPN
fsr-3513	53	25	,	,	PUNCT
fsr-3513	53	26	2013	2013	NUM
fsr-3513	53	27	)	)	PUNCT
fsr-3513	53	28	.	.	PUNCT
fsr-3513	54	1	while	while	SCONJ
fsr-3513	54	2	role	role	NOUN
fsr-3513	54	3	modeling	modeling	NOUN
fsr-3513	54	4	is	be	AUX
fsr-3513	54	5	the	the	DET
fsr-3513	54	6	most	most	ADV
fsr-3513	54	7	prevalent	prevalent	ADJ
fsr-3513	54	8	method	method	NOUN
fsr-3513	54	9	of	of	ADP
fsr-3513	54	10	parental	parental	ADJ
fsr-3513	54	11	financial	financial	ADJ
fsr-3513	54	12	socialization	socialization	NOUN
fsr-3513	54	13	via	via	ADP
fsr-3513	54	14	day	day	NOUN
fsr-3513	54	15	-	-	PUNCT
fsr-3513	54	16	to	to	ADP
fsr-3513	54	17	-	-	PUNCT
fsr-3513	54	18	day	day	NOUN
fsr-3513	54	19	interaction	interaction	NOUN
fsr-3513	54	20	,	,	PUNCT
fsr-3513	54	21	parental	parental	ADJ
fsr-3513	54	22	teaching	teaching	NOUN
fsr-3513	54	23	is	be	AUX
fsr-3513	54	24	also	also	ADV
fsr-3513	54	25	a	a	DET
fsr-3513	54	26	meaningful	meaningful	ADJ
fsr-3513	54	27	way	way	NOUN
fsr-3513	54	28	to	to	PART
fsr-3513	54	29	explicitly	explicitly	ADV
fsr-3513	54	30	transfer	transfer	VERB
fsr-3513	54	31	financial	financial	ADJ
fsr-3513	54	32	knowledge	knowledge	NOUN
fsr-3513	54	33	and	and	CCONJ
fsr-3513	54	34	skills	skill	NOUN
fsr-3513	54	35	(	(	PUNCT
fsr-3513	54	36	serido	serido	NOUN
fsr-3513	54	37	&	&	CCONJ
fsr-3513	54	38	deenanath	deenanath	PROPN
fsr-3513	54	39	,	,	PUNCT
fsr-3513	54	40	2016	2016	NUM
fsr-3513	54	41	)	)	PUNCT
fsr-3513	54	42	.	.	PUNCT
fsr-3513	55	1	in	in	ADP
fsr-3513	55	2	the	the	DET
fsr-3513	55	3	poem	poem	NOUN
fsr-3513	55	4	,	,	PUNCT
fsr-3513	55	5	live	live	VERB
fsr-3513	55	6	your	your	PRON
fsr-3513	55	7	creed	creed	NOUN
fsr-3513	55	8	by	by	ADP
fsr-3513	55	9	langston	langston	PROPN
fsr-3513	55	10	hughes	hughes	PROPN
fsr-3513	55	11	(	(	PUNCT
fsr-3513	55	12	hughes	hughes	PROPN
fsr-3513	55	13	,	,	PUNCT
fsr-3513	55	14	n.d	n.d	PROPN
fsr-3513	55	15	.	.	PROPN
fsr-3513	55	16	)	)	PUNCT
fsr-3513	55	17	,	,	PUNCT
fsr-3513	55	18	the	the	DET
fsr-3513	55	19	following	follow	VERB
fsr-3513	55	20	passage	passage	NOUN
fsr-3513	55	21	,	,	PUNCT
fsr-3513	55	22	“	"	PUNCT
fsr-3513	55	23	for	for	SCONJ
fsr-3513	55	24	i	i	PRON
fsr-3513	55	25	may	may	AUX
fsr-3513	55	26	misunderstand	misunderstand	VERB
fsr-3513	55	27	you	you	PRON
fsr-3513	55	28	and	and	CCONJ
fsr-3513	55	29	the	the	DET
fsr-3513	55	30	fine	fine	ADJ
fsr-3513	55	31	advice	advice	NOUN
fsr-3513	55	32	you	you	PRON
fsr-3513	55	33	give	give	VERB
fsr-3513	55	34	,	,	PUNCT
fsr-3513	55	35	but	but	CCONJ
fsr-3513	55	36	there	there	PRON
fsr-3513	55	37	is	be	VERB
fsr-3513	55	38	no	no	DET
fsr-3513	55	39	misunderstanding	misunderstanding	NOUN
fsr-3513	55	40	how	how	SCONJ
fsr-3513	55	41	you	you	PRON
fsr-3513	55	42	act	act	VERB
fsr-3513	55	43	and	and	CCONJ
fsr-3513	55	44	how	how	SCONJ
fsr-3513	55	45	you	you	PRON
fsr-3513	55	46	live	live	VERB
fsr-3513	55	47	,	,	PUNCT
fsr-3513	55	48	”	"	PUNCT
fsr-3513	55	49	emphasizes	emphasize	VERB
fsr-3513	55	50	the	the	DET
fsr-3513	55	51	effect	effect	NOUN
fsr-3513	55	52	of	of	ADP
fsr-3513	55	53	explicit	explicit	ADJ
fsr-3513	55	54	education	education	NOUN
fsr-3513	55	55	.	.	PUNCT
fsr-3513	56	1	not	not	PART
fsr-3513	56	2	all	all	DET
fsr-3513	56	3	research	research	NOUN
fsr-3513	56	4	is	be	AUX
fsr-3513	56	5	pointed	point	VERB
fsr-3513	56	6	in	in	ADP
fsr-3513	56	7	the	the	DET
fsr-3513	56	8	direction	direction	NOUN
fsr-3513	56	9	of	of	ADP
fsr-3513	56	10	the	the	DET
fsr-3513	56	11	passage	passage	NOUN
fsr-3513	56	12	,	,	PUNCT
fsr-3513	56	13	as	as	SCONJ
fsr-3513	56	14	mentioned	mention	VERB
fsr-3513	56	15	above	above	ADV
fsr-3513	56	16	.	.	PUNCT
fsr-3513	57	1	according	accord	VERB
fsr-3513	57	2	to	to	ADP
fsr-3513	57	3	van	van	PROPN
fsr-3513	57	4	campenhout	campenhout	PROPN
fsr-3513	57	5	(	(	PUNCT
fsr-3513	57	6	2015	2015	NUM
fsr-3513	57	7	)	)	PUNCT
fsr-3513	57	8	,	,	PUNCT
fsr-3513	57	9	the	the	DET
fsr-3513	57	10	importance	importance	NOUN
fsr-3513	57	11	of	of	ADP
fsr-3513	57	12	family	family	NOUN
fsr-3513	57	13	financial	financial	ADJ
fsr-3513	57	14	socialization	socialization	NOUN
fsr-3513	57	15	has	have	AUX
fsr-3513	57	16	been	be	AUX
fsr-3513	57	17	further	far	ADV
fsr-3513	57	18	confirmed	confirm	VERB
fsr-3513	57	19	,	,	PUNCT
fsr-3513	57	20	as	as	SCONJ
fsr-3513	57	21	implicit	implicit	ADJ
fsr-3513	57	22	learning	learning	NOUN
fsr-3513	57	23	is	be	AUX
fsr-3513	57	24	more	more	ADV
fsr-3513	57	25	prevalent	prevalent	ADJ
fsr-3513	57	26	in	in	ADP
fsr-3513	57	27	impacting	impact	VERB
fsr-3513	57	28	financial	financial	ADJ
fsr-3513	57	29	behavior	behavior	NOUN
fsr-3513	57	30	than	than	ADP
fsr-3513	57	31	explicit	explicit	ADJ
fsr-3513	57	32	learning	learning	NOUN
fsr-3513	57	33	.	.	PUNCT
fsr-3513	58	1	the	the	DET
fsr-3513	58	2	role	role	NOUN
fsr-3513	58	3	of	of	ADP
fsr-3513	58	4	peers	peer	NOUN
fsr-3513	58	5	is	be	AUX
fsr-3513	58	6	also	also	ADV
fsr-3513	58	7	important	important	ADJ
fsr-3513	58	8	.	.	PUNCT
fsr-3513	59	1	peers	peer	NOUN
fsr-3513	59	2	often	often	ADV
fsr-3513	59	3	influence	influence	VERB
fsr-3513	59	4	college	college	NOUN
fsr-3513	59	5	students	student	NOUN
fsr-3513	59	6	;	;	PUNCT
fsr-3513	59	7	however	however	ADV
fsr-3513	59	8	,	,	PUNCT
fsr-3513	59	9	the	the	DET
fsr-3513	59	10	influences	influence	NOUN
fsr-3513	59	11	received	receive	VERB
fsr-3513	59	12	during	during	ADP
fsr-3513	59	13	their	their	PRON
fsr-3513	59	14	formative	formative	ADJ
fsr-3513	59	15	years	year	NOUN
fsr-3513	59	16	may	may	AUX
fsr-3513	59	17	generally	generally	ADV
fsr-3513	59	18	dominate	dominate	VERB
fsr-3513	59	19	other	other	ADJ
fsr-3513	59	20	sources	source	NOUN
fsr-3513	59	21	.	.	PUNCT
fsr-3513	60	1	further	further	ADJ
fsr-3513	60	2	evidence	evidence	NOUN
fsr-3513	60	3	of	of	ADP
fsr-3513	60	4	a	a	DET
fsr-3513	60	5	parent	parent	NOUN
fsr-3513	60	6	’s	’s	PART
fsr-3513	60	7	role	role	NOUN
fsr-3513	60	8	in	in	ADP
fsr-3513	60	9	explicit	explicit	ADJ
fsr-3513	60	10	and	and	CCONJ
fsr-3513	60	11	implicit	implicit	ADJ
fsr-3513	60	12	financial	financial	ADJ
fsr-3513	60	13	socialization	socialization	NOUN
fsr-3513	60	14	comes	come	VERB
fsr-3513	60	15	from	from	ADP
fsr-3513	60	16	hibbert	hibbert	NOUN
fsr-3513	60	17	et	et	PROPN
fsr-3513	60	18	al	al	PROPN
fsr-3513	60	19	.	.	PROPN
fsr-3513	61	1	(	(	PUNCT
fsr-3513	61	2	2004	2004	NUM
fsr-3513	61	3	)	)	PUNCT
fsr-3513	61	4	who	who	PRON
fsr-3513	61	5	asked	ask	VERB
fsr-3513	61	6	college	college	NOUN
fsr-3513	61	7	and	and	CCONJ
fsr-3513	61	8	graduate	graduate	NOUN
fsr-3513	61	9	students	student	NOUN
fsr-3513	61	10	questions	question	NOUN
fsr-3513	61	11	about	about	ADP
fsr-3513	61	12	what	what	PRON
fsr-3513	61	13	kind	kind	NOUN
fsr-3513	61	14	of	of	ADP
fsr-3513	61	15	financial	financial	ADJ
fsr-3513	61	16	behavior	behavior	NOUN
fsr-3513	61	17	was	be	AUX
fsr-3513	61	18	modeled	model	VERB
fsr-3513	61	19	in	in	ADP
fsr-3513	61	20	their	their	PRON
fsr-3513	61	21	homes	home	NOUN
fsr-3513	61	22	while	while	SCONJ
fsr-3513	61	23	they	they	PRON
fsr-3513	61	24	were	be	AUX
fsr-3513	61	25	growing	grow	VERB
fsr-3513	61	26	up	up	ADP
fsr-3513	61	27	.	.	PUNCT
fsr-3513	62	1	they	they	PRON
fsr-3513	62	2	found	find	VERB
fsr-3513	62	3	that	that	SCONJ
fsr-3513	62	4	being	be	AUX
fsr-3513	62	5	raised	raise	VERB
fsr-3513	62	6	in	in	ADP
fsr-3513	62	7	a	a	DET
fsr-3513	62	8	financially	financially	ADV
fsr-3513	62	9	prudent	prudent	ADJ
fsr-3513	62	10	household	household	NOUN
fsr-3513	62	11	,	,	PUNCT
fsr-3513	62	12	where	where	SCONJ
fsr-3513	62	13	parents	parent	NOUN
fsr-3513	62	14	saved	save	VERB
fsr-3513	62	15	and	and	CCONJ
fsr-3513	62	16	paid	pay	VERB
fsr-3513	62	17	their	their	PRON
fsr-3513	62	18	bills	bill	NOUN
fsr-3513	62	19	on	on	ADP
fsr-3513	62	20	time	time	NOUN
fsr-3513	62	21	,	,	PUNCT
fsr-3513	62	22	resulted	result	VERB
fsr-3513	62	23	in	in	ADP
fsr-3513	62	24	less	less	ADJ
fsr-3513	62	25	self	self	NOUN
fsr-3513	62	26	-	-	PUNCT
fsr-3513	62	27	reported	report	VERB
fsr-3513	62	28	engagement	engagement	NOUN
fsr-3513	62	29	in	in	ADP
fsr-3513	62	30	negative	negative	ADJ
fsr-3513	62	31	financial	financial	ADJ
fsr-3513	62	32	behaviors	behavior	NOUN
fsr-3513	62	33	,	,	PUNCT
fsr-3513	62	34	such	such	ADJ
fsr-3513	62	35	as	as	ADP
fsr-3513	62	36	misusing	misuse	VERB
fsr-3513	62	37	credit	credit	NOUN
fsr-3513	62	38	cards	card	NOUN
fsr-3513	62	39	and	and	CCONJ
fsr-3513	62	40	making	make	VERB
fsr-3513	62	41	unaffordable	unaffordable	ADJ
fsr-3513	62	42	purchases	purchase	NOUN
fsr-3513	62	43	,	,	PUNCT
fsr-3513	62	44	even	even	ADV
fsr-3513	62	45	after	after	ADP
fsr-3513	62	46	controlling	control	VERB
fsr-3513	62	47	for	for	ADP
fsr-3513	62	48	socioeconomic	socioeconomic	ADJ
fsr-3513	62	49	background	background	NOUN
fsr-3513	62	50	.	.	PUNCT
fsr-3513	63	1	whether	whether	SCONJ
fsr-3513	63	2	in	in	ADP
fsr-3513	63	3	line	line	NOUN
fsr-3513	63	4	with	with	ADP
fsr-3513	63	5	explicit	explicit	ADJ
fsr-3513	63	6	or	or	CCONJ
fsr-3513	63	7	implicit	implicit	ADJ
fsr-3513	63	8	learning	learning	NOUN
fsr-3513	63	9	,	,	PUNCT
fsr-3513	63	10	most	most	ADJ
fsr-3513	63	11	research	research	NOUN
fsr-3513	63	12	indicates	indicate	VERB
fsr-3513	63	13	that	that	SCONJ
fsr-3513	63	14	parents	parent	NOUN
fsr-3513	63	15	play	play	VERB
fsr-3513	63	16	a	a	DET
fsr-3513	63	17	critical	critical	ADJ
fsr-3513	63	18	role	role	NOUN
fsr-3513	63	19	in	in	ADP
fsr-3513	63	20	enhancing	enhance	VERB
fsr-3513	63	21	knowledge	knowledge	NOUN
fsr-3513	63	22	of	of	ADP
fsr-3513	63	23	economic	economic	ADJ
fsr-3513	63	24	matters	matter	NOUN
fsr-3513	63	25	,	,	PUNCT
fsr-3513	63	26	which	which	PRON
fsr-3513	63	27	can	can	AUX
fsr-3513	63	28	positively	positively	ADV
fsr-3513	63	29	affect	affect	VERB
fsr-3513	63	30	financial	financial	ADJ
fsr-3513	63	31	well	well	NOUN
fsr-3513	63	32	-	-	PUNCT
fsr-3513	63	33	being	be	AUX
fsr-3513	63	34	(	(	PUNCT
fsr-3513	63	35	agnew	agnew	PROPN
fsr-3513	63	36	et	et	PROPN
fsr-3513	63	37	al	al	PROPN
fsr-3513	63	38	.	.	PROPN
fsr-3513	63	39	,	,	PUNCT
fsr-3513	63	40	2018	2018	NUM
fsr-3513	63	41	)	)	PUNCT
fsr-3513	63	42	.	.	PUNCT
fsr-3513	64	1	in	in	ADP
fsr-3513	64	2	explicit	explicit	ADJ
fsr-3513	64	3	learning	learning	NOUN
fsr-3513	64	4	,	,	PUNCT
fsr-3513	64	5	it	it	PRON
fsr-3513	64	6	is	be	AUX
fsr-3513	64	7	more	more	ADV
fsr-3513	64	8	critical	critical	ADJ
fsr-3513	64	9	;	;	PUNCT
fsr-3513	64	10	for	for	ADP
fsr-3513	64	11	example	example	NOUN
fsr-3513	64	12	,	,	PUNCT
fsr-3513	64	13	sansone	sansone	PROPN
fsr-3513	64	14	et	et	PROPN
fsr-3513	64	15	al	al	PROPN
fsr-3513	64	16	.	.	PROPN
fsr-3513	65	1	(	(	PUNCT
fsr-3513	65	2	2018	2018	NUM
fsr-3513	65	3	)	)	PUNCT
fsr-3513	65	4	evaluated	evaluate	VERB
fsr-3513	65	5	the	the	DET
fsr-3513	65	6	relationship	relationship	NOUN
fsr-3513	65	7	between	between	ADP
fsr-3513	65	8	receiving	receive	VERB
fsr-3513	65	9	an	an	DET
fsr-3513	65	10	allowance	allowance	NOUN
fsr-3513	65	11	(	(	PUNCT
fsr-3513	65	12	pocket	pocket	NOUN
fsr-3513	65	13	money	money	NOUN
fsr-3513	65	14	)	)	PUNCT
fsr-3513	65	15	in	in	ADP
fsr-3513	65	16	childhood	childhood	NOUN
fsr-3513	65	17	and	and	CCONJ
fsr-3513	65	18	financial	financial	ADJ
fsr-3513	65	19	confidence	confidence	NOUN
fsr-3513	65	20	in	in	ADP
fsr-3513	65	21	adulthood	adulthood	NOUN
fsr-3513	65	22	.	.	PUNCT
fsr-3513	66	1	they	they	PRON
fsr-3513	66	2	concluded	conclude	VERB
fsr-3513	66	3	that	that	SCONJ
fsr-3513	66	4	pocket	pocket	NOUN
fsr-3513	66	5	money	money	NOUN
fsr-3513	66	6	given	give	VERB
fsr-3513	66	7	by	by	ADP
fsr-3513	66	8	parents	parent	NOUN
fsr-3513	66	9	to	to	ADP
fsr-3513	66	10	their	their	PRON
fsr-3513	66	11	children	child	NOUN
fsr-3513	66	12	became	become	VERB
fsr-3513	66	13	a	a	DET
fsr-3513	66	14	crucial	crucial	ADJ
fsr-3513	66	15	informal	informal	ADJ
fsr-3513	66	16	vehicle	vehicle	NOUN
fsr-3513	66	17	for	for	ADP
fsr-3513	66	18	developing	develop	VERB
fsr-3513	66	19	a	a	DET
fsr-3513	66	20	young	young	ADJ
fsr-3513	66	21	person	person	NOUN
fsr-3513	66	22	’s	’s	PART
fsr-3513	66	23	financial	financial	ADJ
fsr-3513	66	24	habits	habit	NOUN
fsr-3513	66	25	in	in	ADP
fsr-3513	66	26	later	later	ADJ
fsr-3513	66	27	life	life	NOUN
fsr-3513	66	28	.	.	PUNCT
fsr-3513	67	1	according	accord	VERB
fsr-3513	67	2	to	to	ADP
fsr-3513	67	3	utkarsh	utkarsh	PROPN
fsr-3513	67	4	et	et	PROPN
fsr-3513	67	5	al	al	PROPN
fsr-3513	67	6	.	.	PROPN
fsr-3513	68	1	(	(	PUNCT
fsr-3513	68	2	2020	2020	NUM
fsr-3513	68	3	)	)	PUNCT
fsr-3513	68	4	,	,	PUNCT
fsr-3513	68	5	students	student	NOUN
fsr-3513	68	6	who	who	PRON
fsr-3513	68	7	discussed	discuss	VERB
fsr-3513	68	8	their	their	PRON
fsr-3513	68	9	parents	parent	NOUN
fsr-3513	68	10	’	’	PART
fsr-3513	68	11	spending	spending	NOUN
fsr-3513	68	12	behavior	behavior	NOUN
fsr-3513	68	13	,	,	PUNCT
fsr-3513	68	14	financial	financial	ADJ
fsr-3513	68	15	investments	investment	NOUN
fsr-3513	68	16	,	,	PUNCT
fsr-3513	68	17	and	and	CCONJ
fsr-3513	68	18	the	the	DET
fsr-3513	68	19	importance	importance	NOUN
fsr-3513	68	20	of	of	ADP
fsr-3513	68	21	savings	saving	NOUN
fsr-3513	68	22	when	when	SCONJ
fsr-3513	68	23	growing	grow	VERB
fsr-3513	68	24	up	up	ADP
fsr-3513	68	25	were	be	AUX
fsr-3513	68	26	more	more	ADV
fsr-3513	68	27	likely	likely	ADJ
fsr-3513	68	28	to	to	PART
fsr-3513	68	29	display	display	VERB
fsr-3513	68	30	a	a	DET
fsr-3513	68	31	positive	positive	ADJ
fsr-3513	68	32	attitude	attitude	NOUN
fsr-3513	68	33	toward	toward	ADP
fsr-3513	68	34	saving	save	VERB
fsr-3513	68	35	and	and	CCONJ
fsr-3513	68	36	tracking	tracking	NOUN
fsr-3513	68	37	expenses	expense	NOUN
fsr-3513	68	38	,	,	PUNCT
fsr-3513	68	39	resulting	result	VERB
fsr-3513	68	40	in	in	ADP
fsr-3513	68	41	expected	expect	VERB
fsr-3513	68	42	improved	improve	VERB
fsr-3513	68	43	financial	financial	ADJ
fsr-3513	68	44	wellbeing	wellbeing	NOUN
fsr-3513	68	45	.	.	PUNCT
fsr-3513	69	1	the	the	DET
fsr-3513	69	2	work	work	NOUN
fsr-3513	69	3	of	of	ADP
fsr-3513	69	4	utkarsh	utkarsh	ADJ
fsr-3513	69	5	et	et	PROPN
fsr-3513	69	6	al	al	PROPN
fsr-3513	69	7	.	.	PROPN
fsr-3513	69	8	supports	support	VERB
fsr-3513	69	9	the	the	DET
fsr-3513	69	10	family	family	NOUN
fsr-3513	69	11	financial	financial	ADJ
fsr-3513	69	12	socialization	socialization	NOUN
fsr-3513	69	13	theory	theory	NOUN
fsr-3513	69	14	(	(	PUNCT
fsr-3513	69	15	ffst	ffst	NOUN
fsr-3513	69	16	)	)	PUNCT
fsr-3513	69	17	by	by	ADP
fsr-3513	69	18	showing	show	VERB
fsr-3513	69	19	that	that	SCONJ
fsr-3513	69	20	family	family	NOUN
fsr-3513	69	21	financial	financial	ADJ
fsr-3513	69	22	socialization	socialization	NOUN
fsr-3513	69	23	indirectly	indirectly	ADV
fsr-3513	69	24	affects	affect	VERB
fsr-3513	69	25	financial	financial	ADJ
fsr-3513	69	26	behavior	behavior	NOUN
fsr-3513	69	27	and	and	CCONJ
fsr-3513	69	28	financial	financial	ADJ
fsr-3513	69	29	well	well	NOUN
fsr-3513	69	30	-	-	PUNCT
fsr-3513	69	31	being	be	AUX
fsr-3513	69	32	through	through	ADP
fsr-3513	69	33	financial	financial	ADJ
fsr-3513	69	34	literacy	literacy	NOUN
fsr-3513	69	35	(	(	PUNCT
fsr-3513	69	36	zhao	zhao	PROPN
fsr-3513	69	37	&	&	CCONJ
fsr-3513	69	38	zhang	zhang	PROPN
fsr-3513	69	39	,	,	PUNCT
fsr-3513	69	40	2020	2020	NUM
fsr-3513	69	41	)	)	PUNCT
fsr-3513	69	42	.	.	PUNCT
fsr-3513	70	1	utkarsh	utkarsh	PROPN
fsr-3513	70	2	et	et	PROPN
fsr-3513	70	3	al	al	PROPN
fsr-3513	70	4	.	.	PROPN
fsr-3513	71	1	(	(	PUNCT
fsr-3513	71	2	2020	2020	NUM
fsr-3513	71	3	)	)	PUNCT
fsr-3513	71	4	further	far	ADV
fsr-3513	71	5	emphasized	emphasize	VERB
fsr-3513	71	6	that	that	SCONJ
fsr-3513	71	7	parents	parent	NOUN
fsr-3513	71	8	must	must	AUX
fsr-3513	71	9	engage	engage	VERB
fsr-3513	71	10	their	their	PRON
fsr-3513	71	11	children	child	NOUN
fsr-3513	71	12	in	in	ADP
fsr-3513	71	13	financial	financial	ADJ
fsr-3513	71	14	discussions	discussion	NOUN
fsr-3513	71	15	,	,	PUNCT
fsr-3513	71	16	and	and	CCONJ
fsr-3513	71	17	they	they	PRON
fsr-3513	71	18	added	add	VERB
fsr-3513	71	19	that	that	SCONJ
fsr-3513	71	20	this	this	DET
fsr-3513	71	21	socialization	socialization	NOUN
fsr-3513	71	22	at	at	ADP
fsr-3513	71	23	a	a	DET
fsr-3513	71	24	young	young	ADJ
fsr-3513	71	25	age	age	NOUN
fsr-3513	71	26	will	will	AUX
fsr-3513	71	27	improve	improve	VERB
fsr-3513	71	28	financial	financial	ADJ
fsr-3513	71	29	services	service	NOUN
fsr-3513	71	30	review	review	NOUN
fsr-3513	71	31	,	,	PUNCT
fsr-3513	71	32	32(2	32(2	NUM
fsr-3513	71	33	)	)	PUNCT
fsr-3513	71	34	56	56	NUM
fsr-3513	71	35	a	a	DET
fsr-3513	71	36	child	child	NOUN
fsr-3513	71	37	’s	’s	PART
fsr-3513	71	38	positive	positive	ADJ
fsr-3513	71	39	outlook	outlook	NOUN
fsr-3513	71	40	on	on	ADP
fsr-3513	71	41	future	future	ADJ
fsr-3513	71	42	financial	financial	ADJ
fsr-3513	71	43	situations	situation	NOUN
fsr-3513	71	44	.	.	PUNCT
fsr-3513	72	1	financial	financial	ADJ
fsr-3513	72	2	literacy	literacy	NOUN
fsr-3513	72	3	financial	financial	ADJ
fsr-3513	72	4	literacy5	literacy5	NOUN
fsr-3513	72	5	refers	refer	VERB
fsr-3513	72	6	to	to	ADP
fsr-3513	72	7	understanding	understand	VERB
fsr-3513	72	8	finance	finance	NOUN
fsr-3513	72	9	and	and	CCONJ
fsr-3513	72	10	the	the	DET
fsr-3513	72	11	capability	capability	NOUN
fsr-3513	72	12	to	to	PART
fsr-3513	72	13	use	use	VERB
fsr-3513	72	14	knowledge	knowledge	NOUN
fsr-3513	72	15	to	to	PART
fsr-3513	72	16	make	make	VERB
fsr-3513	72	17	sound	sound	ADJ
fsr-3513	72	18	financial	financial	ADJ
fsr-3513	72	19	decisions	decision	NOUN
fsr-3513	72	20	(	(	PUNCT
fsr-3513	72	21	hogarth	hogarth	NOUN
fsr-3513	72	22	&	&	CCONJ
fsr-3513	72	23	hilgert	hilgert	PROPN
fsr-3513	72	24	,	,	PUNCT
fsr-3513	72	25	2002	2002	NUM
fsr-3513	72	26	)	)	PUNCT
fsr-3513	72	27	.	.	PUNCT
fsr-3513	73	1	financial	financial	ADJ
fsr-3513	73	2	education	education	NOUN
fsr-3513	73	3	facilitates	facilitate	VERB
fsr-3513	73	4	literacy	literacy	NOUN
fsr-3513	73	5	;	;	PUNCT
fsr-3513	73	6	that	that	PRON
fsr-3513	73	7	is	be	AUX
fsr-3513	73	8	,	,	PUNCT
fsr-3513	73	9	mastery	mastery	NOUN
fsr-3513	73	10	of	of	ADP
fsr-3513	73	11	finance	finance	NOUN
fsr-3513	73	12	-	-	PUNCT
fsr-3513	73	13	related	relate	VERB
fsr-3513	73	14	knowledge	knowledge	NOUN
fsr-3513	73	15	and	and	CCONJ
fsr-3513	73	16	expertise	expertise	NOUN
fsr-3513	73	17	is	be	AUX
fsr-3513	73	18	essential	essential	ADJ
fsr-3513	73	19	in	in	ADP
fsr-3513	73	20	undertaking	undertake	VERB
fsr-3513	73	21	daily	daily	ADJ
fsr-3513	73	22	transactions	transaction	NOUN
fsr-3513	73	23	and	and	CCONJ
fsr-3513	73	24	wealth	wealth	NOUN
fsr-3513	73	25	accumulation	accumulation	NOUN
fsr-3513	73	26	investments	investment	NOUN
fsr-3513	73	27	.	.	PUNCT
fsr-3513	74	1	it	it	PRON
fsr-3513	74	2	empowers	empower	VERB
fsr-3513	74	3	people	people	NOUN
fsr-3513	74	4	to	to	PART
fsr-3513	74	5	manage	manage	VERB
fsr-3513	74	6	their	their	PRON
fsr-3513	74	7	finances	finance	NOUN
fsr-3513	74	8	and	and	CCONJ
fsr-3513	74	9	provides	provide	VERB
fsr-3513	74	10	long	long	ADV
fsr-3513	74	11	-	-	PUNCT
fsr-3513	74	12	lasting	last	VERB
fsr-3513	74	13	financial	financial	ADJ
fsr-3513	74	14	security	security	NOUN
fsr-3513	74	15	for	for	ADP
fsr-3513	74	16	themselves	themselves	PRON
fsr-3513	74	17	and	and	CCONJ
fsr-3513	74	18	their	their	PRON
fsr-3513	74	19	families	family	NOUN
fsr-3513	74	20	(	(	PUNCT
fsr-3513	74	21	sundarasen	sundarasen	NOUN
fsr-3513	74	22	et	et	PROPN
fsr-3513	74	23	al	al	PROPN
fsr-3513	74	24	.	.	PROPN
fsr-3513	74	25	,	,	PUNCT
fsr-3513	74	26	2016	2016	NUM
fsr-3513	74	27	)	)	PUNCT
fsr-3513	74	28	.	.	PUNCT
fsr-3513	75	1	as	as	ADP
fsr-3513	75	2	sundarasen	sundarasen	PROPN
fsr-3513	75	3	et	et	PROPN
fsr-3513	75	4	al	al	PROPN
fsr-3513	75	5	.	.	PUNCT
fsr-3513	76	1	(	(	PUNCT
fsr-3513	76	2	2016	2016	NUM
fsr-3513	76	3	)	)	PUNCT
fsr-3513	76	4	highlighted	highlight	VERB
fsr-3513	76	5	,	,	PUNCT
fsr-3513	76	6	financial	financial	ADJ
fsr-3513	76	7	literacy	literacy	NOUN
fsr-3513	76	8	has	have	AUX
fsr-3513	76	9	been	be	AUX
fsr-3513	76	10	linked	link	VERB
fsr-3513	76	11	to	to	ADP
fsr-3513	76	12	savings	saving	NOUN
fsr-3513	76	13	and	and	CCONJ
fsr-3513	76	14	portfolio	portfolio	NOUN
fsr-3513	76	15	decisions	decision	NOUN
fsr-3513	76	16	.	.	PUNCT
fsr-3513	77	1	for	for	ADP
fsr-3513	77	2	example	example	NOUN
fsr-3513	77	3	,	,	PUNCT
fsr-3513	77	4	people	people	NOUN
fsr-3513	77	5	with	with	ADP
fsr-3513	77	6	a	a	DET
fsr-3513	77	7	low	low	ADJ
fsr-3513	77	8	level	level	NOUN
fsr-3513	77	9	monetary	monetary	ADJ
fsr-3513	77	10	education	education	NOUN
fsr-3513	77	11	are	be	AUX
fsr-3513	77	12	more	more	ADV
fsr-3513	77	13	inclined	inclined	ADJ
fsr-3513	77	14	to	to	PART
fsr-3513	77	15	face	face	VERB
fsr-3513	77	16	issues	issue	NOUN
fsr-3513	77	17	with	with	ADP
fsr-3513	77	18	financial	financial	ADJ
fsr-3513	77	19	obligations	obligation	NOUN
fsr-3513	77	20	(	(	PUNCT
fsr-3513	77	21	lusardi	lusardi	PROPN
fsr-3513	77	22	&	&	CCONJ
fsr-3513	77	23	tufano	tufano	ADJ
fsr-3513	77	24	,	,	PUNCT
fsr-3513	77	25	2009	2009	NUM
fsr-3513	77	26	)	)	PUNCT
fsr-3513	77	27	,	,	PUNCT
fsr-3513	77	28	less	less	ADV
fsr-3513	77	29	likely	likely	ADJ
fsr-3513	77	30	to	to	PART
fsr-3513	77	31	take	take	VERB
fsr-3513	77	32	an	an	DET
fsr-3513	77	33	interest	interest	NOUN
fsr-3513	77	34	in	in	ADP
fsr-3513	77	35	value	value	NOUN
fsr-3513	77	36	ventures	venture	NOUN
fsr-3513	77	37	(	(	PUNCT
fsr-3513	77	38	christelis	christeli	VERB
fsr-3513	77	39	et	et	PROPN
fsr-3513	77	40	al	al	PROPN
fsr-3513	77	41	.	.	PROPN
fsr-3513	77	42	,	,	PUNCT
fsr-3513	77	43	2010	2010	NUM
fsr-3513	77	44	;	;	PUNCT
fsr-3513	77	45	van	van	PROPN
fsr-3513	77	46	rooij	rooij	NOUN
fsr-3513	77	47	et	et	PROPN
fsr-3513	77	48	al	al	PROPN
fsr-3513	77	49	.	.	PROPN
fsr-3513	77	50	,	,	PUNCT
fsr-3513	77	51	2007	2007	NUM
fsr-3513	77	52	)	)	PUNCT
fsr-3513	77	53	,	,	PUNCT
fsr-3513	77	54	less	less	ADV
fsr-3513	77	55	apt	apt	ADJ
fsr-3513	77	56	to	to	PART
fsr-3513	77	57	pick	pick	VERB
fsr-3513	77	58	high	high	ADJ
fsr-3513	77	59	performing	perform	VERB
fsr-3513	77	60	mutual	mutual	ADJ
fsr-3513	77	61	funds	fund	NOUN
fsr-3513	77	62	with	with	ADP
fsr-3513	77	63	lower	low	ADJ
fsr-3513	77	64	expenses	expense	NOUN
fsr-3513	77	65	(	(	PUNCT
fsr-3513	77	66	hastings	hastings	PROPN
fsr-3513	77	67	&	&	CCONJ
fsr-3513	77	68	tejeda	tejeda	PROPN
fsr-3513	77	69	-	-	PUNCT
fsr-3513	77	70	ashton	ashton	PROPN
fsr-3513	77	71	,	,	PUNCT
fsr-3513	77	72	2008	2008	NUM
fsr-3513	77	73	)	)	PUNCT
fsr-3513	77	74	,	,	PUNCT
fsr-3513	77	75	less	less	ADV
fsr-3513	77	76	inclined	inclined	ADJ
fsr-3513	77	77	to	to	PART
fsr-3513	77	78	aggregate	aggregate	VERB
fsr-3513	77	79	and	and	CCONJ
fsr-3513	77	80	oversee	oversee	VERB
fsr-3513	77	81	wealth	wealth	NOUN
fsr-3513	77	82	successfully	successfully	ADV
fsr-3513	77	83	(	(	PUNCT
fsr-3513	77	84	hilgert	hilgert	PROPN
fsr-3513	77	85	et	et	PROPN
fsr-3513	77	86	al	al	PROPN
fsr-3513	77	87	.	.	PROPN
fsr-3513	77	88	,	,	PUNCT
fsr-3513	77	89	2003	2003	NUM
fsr-3513	77	90	;	;	PUNCT
fsr-3513	77	91	stango	stango	PROPN
fsr-3513	77	92	&	&	CCONJ
fsr-3513	77	93	zinman	zinman	PROPN
fsr-3513	77	94	,	,	PUNCT
fsr-3513	77	95	2007	2007	NUM
fsr-3513	77	96	)	)	PUNCT
fsr-3513	77	97	,	,	PUNCT
fsr-3513	77	98	and	and	CCONJ
fsr-3513	77	99	less	less	ADV
fsr-3513	77	100	likely	likely	ADJ
fsr-3513	77	101	to	to	PART
fsr-3513	77	102	antedate	antedate	VERB
fsr-3513	77	103	retirement	retirement	NOUN
fsr-3513	77	104	(	(	PUNCT
fsr-3513	77	105	lusardi	lusardi	PROPN
fsr-3513	77	106	&	&	CCONJ
fsr-3513	77	107	mitchell	mitchell	PROPN
fsr-3513	77	108	,	,	PUNCT
fsr-3513	77	109	2007	2007	NUM
fsr-3513	77	110	)	)	PUNCT
fsr-3513	77	111	.	.	PUNCT
fsr-3513	78	1	as	as	SCONJ
fsr-3513	78	2	these	these	DET
fsr-3513	78	3	studies	study	NOUN
fsr-3513	78	4	document	document	NOUN
fsr-3513	78	5	,	,	PUNCT
fsr-3513	78	6	it	it	PRON
fsr-3513	78	7	can	can	AUX
fsr-3513	78	8	not	not	PART
fsr-3513	78	9	be	be	AUX
fsr-3513	78	10	denied	deny	VERB
fsr-3513	78	11	that	that	SCONJ
fsr-3513	78	12	financial	financial	ADJ
fsr-3513	78	13	literacy	literacy	NOUN
fsr-3513	78	14	is	be	AUX
fsr-3513	78	15	a	a	DET
fsr-3513	78	16	crucial	crucial	ADJ
fsr-3513	78	17	part	part	NOUN
fsr-3513	78	18	of	of	ADP
fsr-3513	78	19	sound	sound	ADJ
fsr-3513	78	20	financial	financial	ADJ
fsr-3513	78	21	decision	decision	NOUN
fsr-3513	78	22	-	-	PUNCT
fsr-3513	78	23	making	making	NOUN
fsr-3513	78	24	.	.	PUNCT
fsr-3513	79	1	further	far	ADV
fsr-3513	79	2	,	,	PUNCT
fsr-3513	79	3	and	and	CCONJ
fsr-3513	79	4	many	many	ADJ
fsr-3513	79	5	young	young	ADJ
fsr-3513	79	6	people	people	NOUN
fsr-3513	79	7	wish	wish	VERB
fsr-3513	79	8	they	they	PRON
fsr-3513	79	9	had	have	VERB
fsr-3513	79	10	more	more	ADJ
fsr-3513	79	11	money	money	NOUN
fsr-3513	79	12	-	-	PUNCT
fsr-3513	79	13	related	relate	VERB
fsr-3513	79	14	information	information	NOUN
fsr-3513	79	15	(	(	PUNCT
fsr-3513	79	16	lusardi	lusardi	PROPN
fsr-3513	79	17	et	et	PROPN
fsr-3513	79	18	al	al	PROPN
fsr-3513	79	19	.	.	PROPN
fsr-3513	79	20	,	,	PUNCT
fsr-3513	79	21	2009	2009	NUM
fsr-3513	79	22	)	)	PUNCT
fsr-3513	79	23	.	.	PUNCT
fsr-3513	80	1	sundarasen	sundarasen	VERB
fsr-3513	80	2	et	et	PROPN
fsr-3513	80	3	al	al	PROPN
fsr-3513	80	4	.	.	PUNCT
fsr-3513	81	1	(	(	PUNCT
fsr-3513	81	2	2016	2016	NUM
fsr-3513	81	3	)	)	PUNCT
fsr-3513	81	4	found	find	VERB
fsr-3513	81	5	that	that	SCONJ
fsr-3513	81	6	financial	financial	ADJ
fsr-3513	81	7	literacy	literacy	NOUN
fsr-3513	81	8	contributed	contribute	VERB
fsr-3513	81	9	positively	positively	ADV
fsr-3513	81	10	to	to	ADP
fsr-3513	81	11	financial	financial	ADJ
fsr-3513	81	12	satisfaction	satisfaction	NOUN
fsr-3513	81	13	.	.	PUNCT
fsr-3513	82	1	low	low	ADJ
fsr-3513	82	2	financial	financial	ADJ
fsr-3513	82	3	literacy	literacy	NOUN
fsr-3513	82	4	is	be	AUX
fsr-3513	82	5	associated	associate	VERB
fsr-3513	82	6	with	with	ADP
fsr-3513	82	7	poor	poor	ADJ
fsr-3513	82	8	financial	financial	ADJ
fsr-3513	82	9	decisions	decision	NOUN
fsr-3513	82	10	in	in	ADP
fsr-3513	82	11	equity	equity	NOUN
fsr-3513	82	12	investments	investment	NOUN
fsr-3513	82	13	,	,	PUNCT
fsr-3513	82	14	debt	debt	NOUN
fsr-3513	82	15	financing	financing	NOUN
fsr-3513	82	16	,	,	PUNCT
fsr-3513	82	17	and	and	CCONJ
fsr-3513	82	18	long	long	ADJ
fsr-3513	82	19	-	-	PUNCT
fsr-3513	82	20	term	term	NOUN
fsr-3513	82	21	retirement	retirement	NOUN
fsr-3513	82	22	planning	planning	NOUN
fsr-3513	82	23	(	(	PUNCT
fsr-3513	82	24	lusardi	lusardi	PROPN
fsr-3513	82	25	&	&	CCONJ
fsr-3513	82	26	tufano	tufano	ADJ
fsr-3513	82	27	,	,	PUNCT
fsr-3513	82	28	2009	2009	NUM
fsr-3513	82	29	)	)	PUNCT
fsr-3513	82	30	.	.	PUNCT
fsr-3513	83	1	these	these	DET
fsr-3513	83	2	financial	financial	ADJ
fsr-3513	83	3	decisions	decision	NOUN
fsr-3513	83	4	can	can	AUX
fsr-3513	83	5	decrease	decrease	VERB
fsr-3513	83	6	welfare	welfare	NOUN
fsr-3513	83	7	(	(	PUNCT
fsr-3513	83	8	chu	chu	PROPN
fsr-3513	83	9	et	et	NOUN
fsr-3513	83	10	al	al	PROPN
fsr-3513	83	11	.	.	PROPN
fsr-3513	83	12	,	,	PUNCT
fsr-3513	83	13	2017	2017	NUM
fsr-3513	83	14	)	)	PUNCT
fsr-3513	83	15	.	.	PUNCT
fsr-3513	84	1	households	household	NOUN
fsr-3513	84	2	with	with	ADP
fsr-3513	84	3	a	a	DET
fsr-3513	84	4	lower	low	ADJ
fsr-3513	84	5	level	level	NOUN
fsr-3513	84	6	of	of	ADP
fsr-3513	84	7	financial	financial	ADJ
fsr-3513	84	8	literacy	literacy	NOUN
fsr-3513	84	9	can	can	AUX
fsr-3513	84	10	also	also	ADV
fsr-3513	84	11	make	make	VERB
fsr-3513	84	12	suboptimal	suboptimal	ADJ
fsr-3513	84	13	decisions	decision	NOUN
fsr-3513	84	14	when	when	SCONJ
fsr-3513	84	15	choosing	choose	VERB
fsr-3513	84	16	loans	loan	NOUN
fsr-3513	84	17	or	or	CCONJ
fsr-3513	84	18	mortgages	mortgage	NOUN
fsr-3513	84	19	(	(	PUNCT
fsr-3513	84	20	lusardi	lusardi	PROPN
fsr-3513	84	21	&	&	CCONJ
fsr-3513	84	22	tufano	tufano	ADJ
fsr-3513	84	23	,	,	PUNCT
fsr-3513	84	24	2009	2009	NUM
fsr-3513	84	25	;	;	PUNCT
fsr-3513	84	26	moore	moore	PROPN
fsr-3513	84	27	,	,	PUNCT
fsr-3513	84	28	2003	2003	NUM
fsr-3513	84	29	;	;	PUNCT
fsr-3513	84	30	utkus	utkus	NOUN
fsr-3513	84	31	&	&	CCONJ
fsr-3513	84	32	young	young	ADJ
fsr-3513	84	33	,	,	PUNCT
fsr-3513	84	34	2011	2011	NUM
fsr-3513	84	35	)	)	PUNCT
fsr-3513	84	36	and	and	CCONJ
fsr-3513	84	37	suffer	suffer	VERB
fsr-3513	84	38	from	from	ADP
fsr-3513	84	39	problems	problem	NOUN
fsr-3513	84	40	such	such	ADJ
fsr-3513	84	41	as	as	ADP
fsr-3513	84	42	debt	debt	NOUN
fsr-3513	84	43	accumulation	accumulation	NOUN
fsr-3513	84	44	(	(	PUNCT
fsr-3513	84	45	lusardi	lusardi	PROPN
fsr-3513	84	46	&	&	CCONJ
fsr-3513	84	47	tufano	tufano	ADJ
fsr-3513	84	48	,	,	PUNCT
fsr-3513	84	49	2009	2009	NUM
fsr-3513	84	50	)	)	PUNCT
fsr-3513	84	51	,	,	PUNCT
fsr-3513	84	52	5	5	NUM
fsr-3513	84	53	conceptually	conceptually	ADV
fsr-3513	84	54	,	,	PUNCT
fsr-3513	84	55	financial	financial	ADJ
fsr-3513	84	56	literacy	literacy	NOUN
fsr-3513	84	57	includes	include	VERB
fsr-3513	84	58	elements	element	NOUN
fsr-3513	84	59	of	of	ADP
fsr-3513	84	60	skill	skill	NOUN
fsr-3513	84	61	.	.	PUNCT
fsr-3513	85	1	however	however	ADV
fsr-3513	85	2	,	,	PUNCT
fsr-3513	85	3	financial	financial	ADJ
fsr-3513	85	4	literacy	literacy	NOUN
fsr-3513	85	5	programs	program	NOUN
fsr-3513	85	6	and	and	CCONJ
fsr-3513	85	7	measures	measure	NOUN
fsr-3513	85	8	of	of	ADP
fsr-3513	85	9	financial	financial	ADJ
fsr-3513	85	10	literacy	literacy	NOUN
fsr-3513	85	11	,	,	PUNCT
fsr-3513	85	12	grounded	ground	VERB
fsr-3513	85	13	in	in	ADP
fsr-3513	85	14	the	the	DET
fsr-3513	85	15	cognitive	cognitive	ADJ
fsr-3513	85	16	paradigm	paradigm	NOUN
fsr-3513	85	17	,	,	PUNCT
fsr-3513	85	18	tend	tend	VERB
fsr-3513	85	19	to	to	PART
fsr-3513	85	20	focus	focus	VERB
fsr-3513	85	21	on	on	ADP
fsr-3513	85	22	knowledge	knowledge	NOUN
fsr-3513	85	23	bankruptcy	bankruptcy	NOUN
fsr-3513	85	24	,	,	PUNCT
fsr-3513	85	25	and	and	CCONJ
fsr-3513	85	26	foreclosure	foreclosure	NOUN
fsr-3513	85	27	(	(	PUNCT
fsr-3513	85	28	gerardi	gerardi	PROPN
fsr-3513	85	29	et	et	PROPN
fsr-3513	85	30	al	al	PROPN
fsr-3513	85	31	.	.	PROPN
fsr-3513	85	32	,	,	PUNCT
fsr-3513	85	33	2010	2010	NUM
fsr-3513	85	34	)	)	PUNCT
fsr-3513	85	35	.	.	PUNCT
fsr-3513	86	1	according	accord	VERB
fsr-3513	86	2	to	to	ADP
fsr-3513	86	3	ammerman	ammerman	NOUN
fsr-3513	86	4	and	and	CCONJ
fsr-3513	86	5	stueve	stueve	ADJ
fsr-3513	86	6	(	(	PUNCT
fsr-3513	86	7	2019	2019	NUM
fsr-3513	86	8	)	)	PUNCT
fsr-3513	86	9	,	,	PUNCT
fsr-3513	86	10	characterizing	characterize	VERB
fsr-3513	86	11	learning	learning	NOUN
fsr-3513	86	12	as	as	ADP
fsr-3513	86	13	implicit	implicit	ADJ
fsr-3513	86	14	or	or	CCONJ
fsr-3513	86	15	explicit	explicit	ADJ
fsr-3513	86	16	refers	refer	NOUN
fsr-3513	86	17	to	to	ADP
fsr-3513	86	18	the	the	DET
fsr-3513	86	19	degree	degree	NOUN
fsr-3513	86	20	to	to	PART
fsr-3513	86	21	which	which	PRON
fsr-3513	86	22	the	the	DET
fsr-3513	86	23	agent	agent	NOUN
fsr-3513	86	24	’s	’s	PART
fsr-3513	86	25	intentions	intention	NOUN
fsr-3513	86	26	are	be	AUX
fsr-3513	86	27	made	make	VERB
fsr-3513	86	28	clear	clear	ADJ
fsr-3513	86	29	.	.	PUNCT
fsr-3513	87	1	implicit	implicit	ADJ
fsr-3513	87	2	or	or	CCONJ
fsr-3513	87	3	vicarious	vicarious	ADJ
fsr-3513	87	4	learning	learning	NOUN
fsr-3513	87	5	occurs	occur	VERB
fsr-3513	87	6	when	when	SCONJ
fsr-3513	87	7	attitudes	attitude	NOUN
fsr-3513	87	8	,	,	PUNCT
fsr-3513	87	9	beliefs	belief	NOUN
fsr-3513	87	10	,	,	PUNCT
fsr-3513	87	11	and	and	CCONJ
fsr-3513	87	12	behaviors	behavior	NOUN
fsr-3513	87	13	develop	develop	VERB
fsr-3513	87	14	through	through	ADP
fsr-3513	87	15	the	the	DET
fsr-3513	87	16	observation	observation	NOUN
fsr-3513	87	17	of	of	ADP
fsr-3513	87	18	a	a	DET
fsr-3513	87	19	social	social	ADJ
fsr-3513	87	20	agent	agent	NOUN
fsr-3513	87	21	rather	rather	ADV
fsr-3513	87	22	than	than	ADP
fsr-3513	87	23	from	from	ADP
fsr-3513	87	24	direct	direct	ADJ
fsr-3513	87	25	experience	experience	NOUN
fsr-3513	87	26	or	or	CCONJ
fsr-3513	87	27	instruction	instruction	NOUN
fsr-3513	87	28	.	.	PUNCT
fsr-3513	88	1	explicit	explicit	ADJ
fsr-3513	88	2	learning	learning	NOUN
fsr-3513	88	3	,	,	PUNCT
fsr-3513	88	4	by	by	ADP
fsr-3513	88	5	contrast	contrast	NOUN
fsr-3513	88	6	,	,	PUNCT
fsr-3513	88	7	refers	refer	VERB
fsr-3513	88	8	to	to	ADP
fsr-3513	88	9	developing	develop	VERB
fsr-3513	88	10	attitudes	attitude	NOUN
fsr-3513	88	11	and	and	CCONJ
fsr-3513	88	12	beliefs	belief	NOUN
fsr-3513	88	13	through	through	ADP
fsr-3513	88	14	direct	direct	ADJ
fsr-3513	88	15	experience	experience	NOUN
fsr-3513	88	16	or	or	CCONJ
fsr-3513	88	17	intentional	intentional	ADJ
fsr-3513	88	18	instruction	instruction	NOUN
fsr-3513	88	19	(	(	PUNCT
fsr-3513	88	20	rettig	rettig	PROPN
fsr-3513	88	21	&	&	CCONJ
fsr-3513	88	22	mortenson	mortenson	PROPN
fsr-3513	88	23	,	,	PUNCT
fsr-3513	88	24	1986	1986	NUM
fsr-3513	88	25	)	)	PUNCT
fsr-3513	88	26	.	.	PUNCT
fsr-3513	89	1	an	an	DET
fsr-3513	89	2	example	example	NOUN
fsr-3513	89	3	of	of	ADP
fsr-3513	89	4	implicit	implicit	ADJ
fsr-3513	89	5	learning	learning	NOUN
fsr-3513	89	6	would	would	AUX
fsr-3513	89	7	be	be	AUX
fsr-3513	89	8	when	when	SCONJ
fsr-3513	89	9	a	a	DET
fsr-3513	89	10	child	child	NOUN
fsr-3513	89	11	observes	observe	VERB
fsr-3513	89	12	the	the	DET
fsr-3513	89	13	financial	financial	ADJ
fsr-3513	89	14	behavior	behavior	NOUN
fsr-3513	89	15	of	of	ADP
fsr-3513	89	16	their	their	PRON
fsr-3513	89	17	parents	parent	NOUN
fsr-3513	89	18	and	and	CCONJ
fsr-3513	89	19	compares	compare	VERB
fsr-3513	89	20	it	it	PRON
fsr-3513	89	21	against	against	ADP
fsr-3513	89	22	the	the	DET
fsr-3513	89	23	financial	financial	ADJ
fsr-3513	89	24	outcomes	outcome	NOUN
fsr-3513	89	25	and	and	CCONJ
fsr-3513	89	26	well	well	ADV
fsr-3513	89	27	-	-	PUNCT
fsr-3513	89	28	being	being	NOUN
fsr-3513	89	29	of	of	ADP
fsr-3513	89	30	the	the	DET
fsr-3513	89	31	household	household	NOUN
fsr-3513	89	32	.	.	PUNCT
fsr-3513	90	1	an	an	DET
fsr-3513	90	2	example	example	NOUN
fsr-3513	90	3	of	of	ADP
fsr-3513	90	4	explicit	explicit	ADJ
fsr-3513	90	5	learning	learning	NOUN
fsr-3513	90	6	would	would	AUX
fsr-3513	90	7	be	be	AUX
fsr-3513	90	8	when	when	SCONJ
fsr-3513	90	9	a	a	DET
fsr-3513	90	10	child	child	NOUN
fsr-3513	90	11	manages	manage	VERB
fsr-3513	90	12	their	their	PRON
fsr-3513	90	13	own	own	ADJ
fsr-3513	90	14	money	money	NOUN
fsr-3513	90	15	(	(	PUNCT
fsr-3513	90	16	in	in	ADP
fsr-3513	90	17	the	the	DET
fsr-3513	90	18	case	case	NOUN
fsr-3513	90	19	of	of	ADP
fsr-3513	90	20	an	an	DET
fsr-3513	90	21	allowance	allowance	NOUN
fsr-3513	90	22	)	)	PUNCT
fsr-3513	90	23	.	.	PUNCT
fsr-3513	91	1	ammerman	ammerman	NOUN
fsr-3513	91	2	and	and	CCONJ
fsr-3513	91	3	stueve	stueve	ADJ
fsr-3513	91	4	(	(	PUNCT
fsr-3513	91	5	2019	2019	NUM
fsr-3513	91	6	)	)	PUNCT
fsr-3513	91	7	stated	state	VERB
fsr-3513	91	8	that	that	SCONJ
fsr-3513	91	9	since	since	SCONJ
fsr-3513	91	10	financial	financial	ADJ
fsr-3513	91	11	counseling	counseling	NOUN
fsr-3513	91	12	and	and	CCONJ
fsr-3513	91	13	literacy	literacy	NOUN
fsr-3513	91	14	programs	program	NOUN
fsr-3513	91	15	aim	aim	VERB
fsr-3513	91	16	to	to	PART
fsr-3513	91	17	help	help	VERB
fsr-3513	91	18	clients	client	NOUN
fsr-3513	91	19	enhance	enhance	VERB
fsr-3513	91	20	their	their	PRON
fsr-3513	91	21	financial	financial	ADJ
fsr-3513	91	22	well	well	NOUN
fsr-3513	91	23	-	-	PUNCT
fsr-3513	91	24	being	being	NOUN
fsr-3513	91	25	by	by	ADP
fsr-3513	91	26	adopting	adopt	VERB
fsr-3513	91	27	healthy	healthy	ADJ
fsr-3513	91	28	financial	financial	ADJ
fsr-3513	91	29	behaviors	behavior	NOUN
fsr-3513	91	30	,	,	PUNCT
fsr-3513	91	31	early	early	ADJ
fsr-3513	91	32	intervention	intervention	NOUN
fsr-3513	91	33	and	and	CCONJ
fsr-3513	91	34	socialization	socialization	NOUN
fsr-3513	91	35	would	would	AUX
fsr-3513	91	36	be	be	AUX
fsr-3513	91	37	critical	critical	ADJ
fsr-3513	91	38	components	component	NOUN
fsr-3513	91	39	of	of	ADP
fsr-3513	91	40	these	these	DET
fsr-3513	91	41	programs	program	NOUN
fsr-3513	91	42	.	.	PUNCT
fsr-3513	92	1	however	however	ADV
fsr-3513	92	2	,	,	PUNCT
fsr-3513	92	3	many	many	ADJ
fsr-3513	92	4	financial	financial	ADJ
fsr-3513	92	5	literacy	literacy	NOUN
fsr-3513	92	6	programs	program	NOUN
fsr-3513	92	7	are	be	AUX
fsr-3513	92	8	grounded	ground	VERB
fsr-3513	92	9	in	in	ADP
fsr-3513	92	10	cognitive	cognitive	ADJ
fsr-3513	92	11	learning	learning	NOUN
fsr-3513	92	12	approaches	approach	NOUN
fsr-3513	92	13	,	,	PUNCT
fsr-3513	92	14	emphasizing	emphasize	VERB
fsr-3513	92	15	the	the	DET
fsr-3513	92	16	role	role	NOUN
fsr-3513	92	17	of	of	ADP
fsr-3513	92	18	information	information	NOUN
fsr-3513	92	19	transmission	transmission	NOUN
fsr-3513	92	20	and	and	CCONJ
fsr-3513	92	21	knowledge	knowledge	NOUN
fsr-3513	92	22	attainment	attainment	NOUN
fsr-3513	92	23	in	in	ADP
fsr-3513	92	24	changing	change	VERB
fsr-3513	92	25	behavior	behavior	NOUN
fsr-3513	92	26	(	(	PUNCT
fsr-3513	92	27	lusardi	lusardi	PROPN
fsr-3513	92	28	et	et	PROPN
fsr-3513	92	29	al	al	PROPN
fsr-3513	92	30	.	.	PROPN
fsr-3513	92	31	,	,	PUNCT
fsr-3513	92	32	2015	2015	NUM
fsr-3513	92	33	)	)	PUNCT
fsr-3513	92	34	.	.	PUNCT
fsr-3513	93	1	this	this	DET
fsr-3513	93	2	approach	approach	NOUN
fsr-3513	93	3	is	be	AUX
fsr-3513	93	4	not	not	PART
fsr-3513	93	5	to	to	PART
fsr-3513	93	6	dismiss	dismiss	VERB
fsr-3513	93	7	financial	financial	ADJ
fsr-3513	93	8	literacy	literacy	NOUN
fsr-3513	93	9	programs	program	NOUN
fsr-3513	93	10	because	because	SCONJ
fsr-3513	93	11	some	some	DET
fsr-3513	93	12	financial	financial	ADJ
fsr-3513	93	13	knowledge	knowledge	NOUN
fsr-3513	93	14	is	be	AUX
fsr-3513	93	15	better	well	ADJ
fsr-3513	93	16	than	than	ADP
fsr-3513	93	17	none	none	NOUN
fsr-3513	93	18	,	,	PUNCT
fsr-3513	93	19	but	but	CCONJ
fsr-3513	93	20	it	it	PRON
fsr-3513	93	21	is	be	AUX
fsr-3513	93	22	a	a	DET
fsr-3513	93	23	necessary	necessary	ADJ
fsr-3513	93	24	critique	critique	NOUN
fsr-3513	93	25	of	of	ADP
fsr-3513	93	26	the	the	DET
fsr-3513	93	27	shortcomings	shortcoming	NOUN
fsr-3513	93	28	of	of	ADP
fsr-3513	93	29	such	such	ADJ
fsr-3513	93	30	programs	program	NOUN
fsr-3513	93	31	.	.	PUNCT
fsr-3513	94	1	the	the	DET
fsr-3513	94	2	cognitive	cognitive	ADJ
fsr-3513	94	3	learning	learning	NOUN
fsr-3513	94	4	paradigm	paradigm	NOUN
fsr-3513	94	5	assumes	assume	VERB
fsr-3513	94	6	that	that	SCONJ
fsr-3513	94	7	individuals	individual	NOUN
fsr-3513	94	8	with	with	ADP
fsr-3513	94	9	more	more	ADJ
fsr-3513	94	10	financial	financial	ADJ
fsr-3513	94	11	knowledge	knowledge	NOUN
fsr-3513	94	12	will	will	AUX
fsr-3513	94	13	better	well	ADV
fsr-3513	94	14	manage	manage	VERB
fsr-3513	94	15	their	their	PRON
fsr-3513	94	16	financial	financial	ADJ
fsr-3513	94	17	resources	resource	NOUN
fsr-3513	94	18	,	,	PUNCT
fsr-3513	94	19	resulting	result	VERB
fsr-3513	94	20	in	in	ADP
fsr-3513	94	21	enhanced	enhanced	ADJ
fsr-3513	94	22	financial	financial	ADJ
fsr-3513	94	23	well	well	NOUN
fsr-3513	94	24	-	-	PUNCT
fsr-3513	94	25	being	be	AUX
fsr-3513	94	26	(	(	PUNCT
fsr-3513	94	27	efland	efland	INTJ
fsr-3513	94	28	,	,	PUNCT
fsr-3513	94	29	1995	1995	NUM
fsr-3513	94	30	;	;	PUNCT
fsr-3513	94	31	greenwald	greenwald	PROPN
fsr-3513	94	32	,	,	PUNCT
fsr-3513	94	33	1968	1968	NUM
fsr-3513	94	34	;	;	PUNCT
fsr-3513	94	35	huston	huston	PROPN
fsr-3513	94	36	,	,	PUNCT
fsr-3513	94	37	2010	2010	NUM
fsr-3513	94	38	)	)	PUNCT
fsr-3513	94	39	.	.	PUNCT
fsr-3513	95	1	this	this	DET
fsr-3513	95	2	concept	concept	NOUN
fsr-3513	95	3	is	be	AUX
fsr-3513	95	4	easily	easily	ADV
fsr-3513	95	5	applied	apply	VERB
fsr-3513	95	6	to	to	ADP
fsr-3513	95	7	other	other	ADJ
fsr-3513	95	8	favorable	favorable	ADJ
fsr-3513	95	9	skill	skill	NOUN
fsr-3513	95	10	development	development	NOUN
fsr-3513	95	11	,	,	PUNCT
fsr-3513	95	12	which	which	PRON
fsr-3513	95	13	would	would	AUX
fsr-3513	95	14	apply	apply	VERB
fsr-3513	95	15	to	to	ADP
fsr-3513	95	16	developing	develop	VERB
fsr-3513	95	17	financial	financial	ADJ
fsr-3513	95	18	behaviors	behavior	NOUN
fsr-3513	95	19	.	.	PUNCT
fsr-3513	96	1	as	as	SCONJ
fsr-3513	96	2	discussed	discuss	VERB
fsr-3513	96	3	by	by	ADP
fsr-3513	96	4	tatom	tatom	NOUN
fsr-3513	96	5	(	(	PUNCT
fsr-3513	96	6	2010	2010	NUM
fsr-3513	96	7	)	)	PUNCT
fsr-3513	96	8	,	,	PUNCT
fsr-3513	96	9	two	two	NUM
fsr-3513	96	10	of	of	ADP
fsr-3513	96	11	the	the	DET
fsr-3513	96	12	most	most	ADV
fsr-3513	96	13	critical	critical	ADJ
fsr-3513	96	14	and	and	CCONJ
fsr-3513	96	15	early	early	ADJ
fsr-3513	96	16	works	work	NOUN
fsr-3513	96	17	on	on	ADP
fsr-3513	96	18	the	the	DET
fsr-3513	96	19	effectiveness	effectiveness	NOUN
fsr-3513	96	20	of	of	ADP
fsr-3513	96	21	financial	financial	ADJ
fsr-3513	96	22	education	education	NOUN
fsr-3513	96	23	are	be	AUX
fsr-3513	96	24	attainment	attainment	ADJ
fsr-3513	96	25	and	and	CCONJ
fsr-3513	96	26	ignore	ignore	VERB
fsr-3513	96	27	experiential	experiential	ADJ
fsr-3513	96	28	learning	learning	NOUN
fsr-3513	96	29	,	,	PUNCT
fsr-3513	96	30	such	such	ADJ
fsr-3513	96	31	as	as	ADP
fsr-3513	96	32	skill	skill	NOUN
fsr-3513	96	33	attainment	attainment	NOUN
fsr-3513	96	34	through	through	ADP
fsr-3513	96	35	socialization	socialization	NOUN
fsr-3513	96	36	(	(	PUNCT
fsr-3513	96	37	ammerman	ammerman	NOUN
fsr-3513	96	38	&	&	CCONJ
fsr-3513	96	39	stueve	stueve	PROPN
fsr-3513	96	40	,	,	PUNCT
fsr-3513	96	41	2019	2019	NUM
fsr-3513	96	42	)	)	PUNCT
fsr-3513	96	43	.	.	PUNCT
fsr-3513	97	1	thus	thus	ADV
fsr-3513	97	2	,	,	PUNCT
fsr-3513	97	3	academic	academic	ADJ
fsr-3513	97	4	research	research	NOUN
fsr-3513	97	5	has	have	VERB
fsr-3513	97	6	yet	yet	ADV
fsr-3513	97	7	to	to	PART
fsr-3513	97	8	resolve	resolve	VERB
fsr-3513	97	9	the	the	DET
fsr-3513	97	10	dichotomy	dichotomy	NOUN
fsr-3513	97	11	of	of	ADP
fsr-3513	97	12	this	this	DET
fsr-3513	97	13	philosophy	philosophy	NOUN
fsr-3513	97	14	.	.	PUNCT
fsr-3513	98	1	young	young	ADJ
fsr-3513	98	2	et	et	PROPN
fsr-3513	98	3	al	al	PROPN
fsr-3513	98	4	.	.	PROPN
fsr-3513	98	5	57	57	NUM
fsr-3513	98	6	bernheim	bernheim	PROPN
fsr-3513	98	7	et	et	PROPN
fsr-3513	98	8	al	al	PROPN
fsr-3513	98	9	.	.	PROPN
fsr-3513	99	1	(	(	PUNCT
fsr-3513	99	2	1997	1997	NUM
fsr-3513	99	3	)	)	PUNCT
fsr-3513	99	4	and	and	CCONJ
fsr-3513	99	5	bernheim	bernheim	PROPN
fsr-3513	99	6	and	and	CCONJ
fsr-3513	99	7	garrett	garrett	PROPN
fsr-3513	99	8	(	(	PUNCT
fsr-3513	99	9	2003	2003	NUM
fsr-3513	99	10	)	)	PUNCT
fsr-3513	99	11	.	.	PUNCT
fsr-3513	100	1	self	self	NOUN
fsr-3513	100	2	-	-	PUNCT
fsr-3513	100	3	control	control	NOUN
fsr-3513	100	4	zakaria	zakaria	PROPN
fsr-3513	100	5	et	et	PROPN
fsr-3513	100	6	al	al	PROPN
fsr-3513	100	7	.	.	PROPN
fsr-3513	101	1	(	(	PUNCT
fsr-3513	101	2	2012	2012	NUM
fsr-3513	101	3	)	)	PUNCT
fsr-3513	101	4	showed	show	VERB
fsr-3513	101	5	that	that	SCONJ
fsr-3513	101	6	savings	saving	NOUN
fsr-3513	101	7	,	,	PUNCT
fsr-3513	101	8	an	an	DET
fsr-3513	101	9	indicator	indicator	NOUN
fsr-3513	101	10	of	of	ADP
fsr-3513	101	11	responsible	responsible	ADJ
fsr-3513	101	12	behavior	behavior	NOUN
fsr-3513	101	13	,	,	PUNCT
fsr-3513	101	14	is	be	AUX
fsr-3513	101	15	also	also	ADV
fsr-3513	101	16	determined	determine	VERB
fsr-3513	101	17	by	by	ADP
fsr-3513	101	18	financial	financial	ADJ
fsr-3513	101	19	literacy	literacy	NOUN
fsr-3513	101	20	.	.	PUNCT
fsr-3513	102	1	they	they	PRON
fsr-3513	102	2	argued	argue	VERB
fsr-3513	102	3	that	that	SCONJ
fsr-3513	102	4	the	the	DET
fsr-3513	102	5	finding	finding	NOUN
fsr-3513	102	6	regarding	regard	VERB
fsr-3513	102	7	the	the	DET
fsr-3513	102	8	relationship	relationship	NOUN
fsr-3513	102	9	between	between	ADP
fsr-3513	102	10	these	these	DET
fsr-3513	102	11	two	two	NUM
fsr-3513	102	12	variables	variable	NOUN
fsr-3513	102	13	is	be	AUX
fsr-3513	102	14	conclusive	conclusive	ADJ
fsr-3513	102	15	,	,	PUNCT
fsr-3513	102	16	with	with	ADP
fsr-3513	102	17	all	all	DET
fsr-3513	102	18	studies	study	NOUN
fsr-3513	102	19	finding	find	VERB
fsr-3513	102	20	that	that	SCONJ
fsr-3513	102	21	having	have	VERB
fsr-3513	102	22	financial	financial	ADJ
fsr-3513	102	23	knowledge	knowledge	NOUN
fsr-3513	102	24	influences	influence	VERB
fsr-3513	102	25	individuals	individual	NOUN
fsr-3513	102	26	to	to	PART
fsr-3513	102	27	behave	behave	VERB
fsr-3513	102	28	more	more	ADV
fsr-3513	102	29	responsibly	responsibly	ADV
fsr-3513	102	30	.	.	PUNCT
fsr-3513	103	1	another	another	DET
fsr-3513	103	2	important	important	ADJ
fsr-3513	103	3	variable	variable	NOUN
fsr-3513	103	4	is	be	AUX
fsr-3513	103	5	selfcontrol	selfcontrol	NOUN
fsr-3513	103	6	.	.	PUNCT
fsr-3513	104	1	although	although	SCONJ
fsr-3513	104	2	it	it	PRON
fsr-3513	104	3	seems	seem	VERB
fsr-3513	104	4	intuitive	intuitive	ADJ
fsr-3513	104	5	,	,	PUNCT
fsr-3513	104	6	only	only	ADV
fsr-3513	104	7	some	some	PRON
fsr-3513	104	8	realize	realize	VERB
fsr-3513	104	9	the	the	DET
fsr-3513	104	10	relationship	relationship	NOUN
fsr-3513	104	11	between	between	ADP
fsr-3513	104	12	financial	financial	ADJ
fsr-3513	104	13	wellbeing	wellbeing	NOUN
fsr-3513	104	14	and	and	CCONJ
fsr-3513	104	15	self	self	NOUN
fsr-3513	104	16	-	-	PUNCT
fsr-3513	104	17	control	control	NOUN
fsr-3513	104	18	.	.	PUNCT
fsr-3513	105	1	one	one	NUM
fsr-3513	105	2	way	way	NOUN
fsr-3513	105	3	to	to	PART
fsr-3513	105	4	define	define	VERB
fsr-3513	105	5	selfcontrol	selfcontrol	NOUN
fsr-3513	105	6	is	be	AUX
fsr-3513	105	7	that	that	SCONJ
fsr-3513	105	8	it	it	PRON
fsr-3513	105	9	constitutes	constitute	VERB
fsr-3513	105	10	the	the	DET
fsr-3513	105	11	ability	ability	NOUN
fsr-3513	105	12	of	of	ADP
fsr-3513	105	13	one	one	NUM
fsr-3513	105	14	’s	’s	PART
fsr-3513	105	15	future	future	ADJ
fsr-3513	105	16	self	self	NOUN
fsr-3513	105	17	to	to	PART
fsr-3513	105	18	control	control	VERB
fsr-3513	105	19	their	their	PRON
fsr-3513	105	20	current	current	ADJ
fsr-3513	105	21	self	self	NOUN
fsr-3513	105	22	.	.	PUNCT
fsr-3513	106	1	when	when	SCONJ
fsr-3513	106	2	selfcontrol	selfcontrol	NOUN
fsr-3513	106	3	failure	failure	NOUN
fsr-3513	106	4	occurs	occur	VERB
fsr-3513	106	5	,	,	PUNCT
fsr-3513	106	6	people	people	NOUN
fsr-3513	106	7	act	act	VERB
fsr-3513	106	8	non	non	ADJ
fsr-3513	106	9	-	-	ADJ
fsr-3513	106	10	optimally	optimally	ADV
fsr-3513	106	11	.	.	PUNCT
fsr-3513	107	1	they	they	PRON
fsr-3513	107	2	might	might	AUX
fsr-3513	107	3	,	,	PUNCT
fsr-3513	107	4	for	for	ADP
fsr-3513	107	5	example	example	NOUN
fsr-3513	107	6	,	,	PUNCT
fsr-3513	107	7	procrastinate	procrastinate	VERB
fsr-3513	107	8	in	in	ADP
fsr-3513	107	9	their	their	PRON
fsr-3513	107	10	work	work	NOUN
fsr-3513	107	11	,	,	PUNCT
fsr-3513	107	12	even	even	ADV
fsr-3513	107	13	though	though	SCONJ
fsr-3513	107	14	they	they	PRON
fsr-3513	107	15	know	know	VERB
fsr-3513	107	16	they	they	PRON
fsr-3513	107	17	would	would	AUX
fsr-3513	107	18	be	be	AUX
fsr-3513	107	19	better	well	ADJ
fsr-3513	107	20	off	off	ADP
fsr-3513	107	21	spreading	spread	VERB
fsr-3513	107	22	the	the	DET
fsr-3513	107	23	workload	workload	NOUN
fsr-3513	107	24	over	over	ADP
fsr-3513	107	25	time	time	NOUN
fsr-3513	107	26	(	(	PUNCT
fsr-3513	107	27	ariely	ariely	ADV
fsr-3513	107	28	&	&	CCONJ
fsr-3513	107	29	wertenbroch	wertenbroch	NOUN
fsr-3513	107	30	,	,	PUNCT
fsr-3513	107	31	2002	2002	NUM
fsr-3513	107	32	;	;	PUNCT
fsr-3513	107	33	fudenberg	fudenberg	PROPN
fsr-3513	107	34	&	&	CCONJ
fsr-3513	107	35	levine	levine	PROPN
fsr-3513	107	36	,	,	PUNCT
fsr-3513	107	37	2006	2006	NUM
fsr-3513	107	38	)	)	PUNCT
fsr-3513	107	39	.	.	PUNCT
fsr-3513	108	1	according	accord	VERB
fsr-3513	108	2	to	to	PART
fsr-3513	108	3	stromback	stromback	VERB
fsr-3513	108	4	et	et	PROPN
fsr-3513	108	5	al	al	PROPN
fsr-3513	108	6	.	.	PROPN
fsr-3513	109	1	(	(	PUNCT
fsr-3513	109	2	2017	2017	NUM
fsr-3513	109	3	)	)	PUNCT
fsr-3513	109	4	,	,	PUNCT
fsr-3513	109	5	the	the	DET
fsr-3513	109	6	behavioral	behavioral	ADJ
fsr-3513	109	7	life	life	NOUN
fsr-3513	109	8	-	-	PUNCT
fsr-3513	109	9	cycle	cycle	NOUN
fsr-3513	109	10	hypothesis	hypothesis	NOUN
fsr-3513	109	11	further	far	ADV
fsr-3513	109	12	states	state	VERB
fsr-3513	109	13	that	that	SCONJ
fsr-3513	109	14	people	people	NOUN
fsr-3513	109	15	’s	’s	PART
fsr-3513	109	16	financial	financial	ADJ
fsr-3513	109	17	behavior	behavior	NOUN
fsr-3513	109	18	throughout	throughout	ADP
fsr-3513	109	19	life	life	NOUN
fsr-3513	109	20	is	be	AUX
fsr-3513	109	21	determined	determine	VERB
fsr-3513	109	22	by	by	ADP
fsr-3513	109	23	their	their	PRON
fsr-3513	109	24	ability	ability	NOUN
fsr-3513	109	25	to	to	PART
fsr-3513	109	26	control	control	VERB
fsr-3513	109	27	impulses	impulse	NOUN
fsr-3513	109	28	and	and	CCONJ
fsr-3513	109	29	the	the	DET
fsr-3513	109	30	costs	cost	NOUN
fsr-3513	109	31	of	of	ADP
fsr-3513	109	32	exercising	exercise	VERB
fsr-3513	109	33	such	such	ADJ
fsr-3513	109	34	self	self	NOUN
fsr-3513	109	35	-	-	PUNCT
fsr-3513	109	36	control	control	NOUN
fsr-3513	109	37	.	.	PUNCT
fsr-3513	110	1	the	the	DET
fsr-3513	110	2	ability	ability	NOUN
fsr-3513	110	3	to	to	PART
fsr-3513	110	4	control	control	VERB
fsr-3513	110	5	impulses	impulse	NOUN
fsr-3513	110	6	is	be	AUX
fsr-3513	110	7	undoubtedly	undoubtedly	ADV
fsr-3513	110	8	a	a	DET
fsr-3513	110	9	key	key	ADJ
fsr-3513	110	10	factor	factor	NOUN
fsr-3513	110	11	for	for	ADP
fsr-3513	110	12	long	long	ADJ
fsr-3513	110	13	-	-	PUNCT
fsr-3513	110	14	term	term	NOUN
fsr-3513	110	15	success	success	NOUN
fsr-3513	110	16	in	in	ADP
fsr-3513	110	17	many	many	ADJ
fsr-3513	110	18	areas	area	NOUN
fsr-3513	110	19	of	of	ADP
fsr-3513	110	20	life	life	NOUN
fsr-3513	110	21	.	.	PUNCT
fsr-3513	111	1	stromback	stromback	VERB
fsr-3513	111	2	et	et	PROPN
fsr-3513	111	3	al	al	PROPN
fsr-3513	111	4	.	.	PROPN
fsr-3513	112	1	(	(	PUNCT
fsr-3513	112	2	2017	2017	NUM
fsr-3513	112	3	)	)	PUNCT
fsr-3513	112	4	confirmed	confirm	VERB
fsr-3513	112	5	that	that	SCONJ
fsr-3513	112	6	studies	study	NOUN
fsr-3513	112	7	that	that	PRON
fsr-3513	112	8	have	have	AUX
fsr-3513	112	9	explored	explore	VERB
fsr-3513	112	10	the	the	DET
fsr-3513	112	11	link	link	NOUN
fsr-3513	112	12	between	between	ADP
fsr-3513	112	13	self	self	NOUN
fsr-3513	112	14	-	-	PUNCT
fsr-3513	112	15	control	control	NOUN
fsr-3513	112	16	and	and	CCONJ
fsr-3513	112	17	financial	financial	ADJ
fsr-3513	112	18	behavior	behavior	NOUN
fsr-3513	112	19	have	have	AUX
fsr-3513	112	20	focused	focus	VERB
fsr-3513	112	21	on	on	ADP
fsr-3513	112	22	specific	specific	ADJ
fsr-3513	112	23	financial	financial	ADJ
fsr-3513	112	24	decisions	decision	NOUN
fsr-3513	112	25	,	,	PUNCT
fsr-3513	112	26	such	such	ADJ
fsr-3513	112	27	as	as	ADP
fsr-3513	112	28	retirement	retirement	NOUN
fsr-3513	112	29	planning	planning	NOUN
fsr-3513	112	30	or	or	CCONJ
fsr-3513	112	31	credit	credit	NOUN
fsr-3513	112	32	use	use	NOUN
fsr-3513	112	33	.	.	PUNCT
fsr-3513	113	1	achtziger	achtziger	PROPN
fsr-3513	113	2	et	et	PROPN
fsr-3513	113	3	al	al	PROPN
fsr-3513	113	4	.	.	PROPN
fsr-3513	114	1	(	(	PUNCT
fsr-3513	114	2	2015	2015	NUM
fsr-3513	114	3	)	)	PUNCT
fsr-3513	114	4	found	find	VERB
fsr-3513	114	5	that	that	SCONJ
fsr-3513	114	6	people	people	NOUN
fsr-3513	114	7	with	with	ADP
fsr-3513	114	8	low	low	ADJ
fsr-3513	114	9	self	self	NOUN
fsr-3513	114	10	-	-	PUNCT
fsr-3513	114	11	reported	report	VERB
fsr-3513	114	12	self	self	NOUN
fsr-3513	114	13	-	-	PUNCT
fsr-3513	114	14	control	control	NOUN
fsr-3513	114	15	are	be	AUX
fsr-3513	114	16	more	more	ADV
fsr-3513	114	17	likely	likely	ADJ
fsr-3513	114	18	to	to	PART
fsr-3513	114	19	engage	engage	VERB
fsr-3513	114	20	in	in	ADP
fsr-3513	114	21	compulsive	compulsive	ADJ
fsr-3513	114	22	shopping	shopping	NOUN
fsr-3513	114	23	,	,	PUNCT
fsr-3513	114	24	while	while	SCONJ
fsr-3513	114	25	gathergood	gathergood	NOUN
fsr-3513	114	26	(	(	PUNCT
fsr-3513	114	27	2012	2012	NUM
fsr-3513	114	28	)	)	PUNCT
fsr-3513	114	29	found	find	VERB
fsr-3513	114	30	that	that	SCONJ
fsr-3513	114	31	people	people	NOUN
fsr-3513	114	32	with	with	ADP
fsr-3513	114	33	self	self	NOUN
fsr-3513	114	34	-	-	PUNCT
fsr-3513	114	35	control	control	NOUN
fsr-3513	114	36	problems	problem	NOUN
fsr-3513	114	37	in	in	ADP
fsr-3513	114	38	the	the	DET
fsr-3513	114	39	financial	financial	ADJ
fsr-3513	114	40	domain	domain	NOUN
fsr-3513	114	41	are	be	AUX
fsr-3513	114	42	likelier	likeli	ADJ
fsr-3513	114	43	to	to	PART
fsr-3513	114	44	suffer	suffer	VERB
fsr-3513	114	45	from	from	ADP
fsr-3513	114	46	credit	credit	NOUN
fsr-3513	114	47	withdrawals	withdrawal	NOUN
fsr-3513	114	48	and	and	CCONJ
fsr-3513	114	49	unforeseen	unforeseen	ADJ
fsr-3513	114	50	expenses	expense	NOUN
fsr-3513	114	51	on	on	ADP
fsr-3513	114	52	durables	durable	NOUN
fsr-3513	114	53	,	,	PUNCT
fsr-3513	114	54	leading	lead	VERB
fsr-3513	114	55	to	to	ADP
fsr-3513	114	56	overindebtedness	overindebtedness	NOUN
fsr-3513	114	57	.	.	PUNCT
fsr-3513	115	1	respondents	respondent	NOUN
fsr-3513	115	2	with	with	ADP
fsr-3513	115	3	good	good	ADJ
fsr-3513	115	4	selfcontrol	selfcontrol	NOUN
fsr-3513	115	5	are	be	AUX
fsr-3513	115	6	more	more	ADV
fsr-3513	115	7	likely	likely	ADJ
fsr-3513	115	8	to	to	PART
fsr-3513	115	9	save	save	VERB
fsr-3513	115	10	money	money	NOUN
fsr-3513	115	11	regularly	regularly	ADV
fsr-3513	115	12	from	from	ADP
fsr-3513	115	13	their	their	PRON
fsr-3513	115	14	paychecks	paycheck	NOUN
fsr-3513	115	15	.	.	PUNCT
fsr-3513	116	1	this	this	DET
fsr-3513	116	2	finding	finding	NOUN
fsr-3513	116	3	means	mean	VERB
fsr-3513	116	4	they	they	PRON
fsr-3513	116	5	are	be	AUX
fsr-3513	116	6	better	well	ADV
fsr-3513	116	7	prepared	prepared	ADJ
fsr-3513	116	8	to	to	PART
fsr-3513	116	9	manage	manage	VERB
fsr-3513	116	10	unforeseen	unforeseen	ADJ
fsr-3513	116	11	expenses	expense	NOUN
fsr-3513	116	12	and	and	CCONJ
fsr-3513	116	13	more	more	ADV
fsr-3513	116	14	likely	likely	ADJ
fsr-3513	116	15	to	to	PART
fsr-3513	116	16	have	have	VERB
fsr-3513	116	17	enough	enough	ADJ
fsr-3513	116	18	money	money	NOUN
fsr-3513	116	19	for	for	ADP
fsr-3513	116	20	retirement	retirement	NOUN
fsr-3513	116	21	(	(	PUNCT
fsr-3513	116	22	stromback	stromback	NOUN
fsr-3513	116	23	et	et	PROPN
fsr-3513	116	24	al	al	PROPN
fsr-3513	116	25	.	.	PROPN
fsr-3513	116	26	,	,	PUNCT
fsr-3513	116	27	2017	2017	NUM
fsr-3513	116	28	)	)	PUNCT
fsr-3513	116	29	.	.	PUNCT
fsr-3513	117	1	summary	summary	NOUN
fsr-3513	117	2	as	as	SCONJ
fsr-3513	117	3	highlighted	highlight	VERB
fsr-3513	117	4	in	in	ADP
fsr-3513	117	5	this	this	DET
fsr-3513	117	6	review	review	NOUN
fsr-3513	117	7	,	,	PUNCT
fsr-3513	117	8	the	the	DET
fsr-3513	117	9	issue	issue	NOUN
fsr-3513	117	10	of	of	ADP
fsr-3513	117	11	financial	financial	ADJ
fsr-3513	117	12	well	well	NOUN
fsr-3513	117	13	-	-	PUNCT
fsr-3513	117	14	being	being	NOUN
fsr-3513	117	15	is	be	AUX
fsr-3513	117	16	a	a	DET
fsr-3513	117	17	critical	critical	ADJ
fsr-3513	117	18	policymaking	policymaking	NOUN
fsr-3513	117	19	issue	issue	NOUN
fsr-3513	117	20	.	.	PUNCT
fsr-3513	118	1	increasing	increase	VERB
fsr-3513	118	2	financial	financial	ADJ
fsr-3513	118	3	well	well	NOUN
fsr-3513	118	4	-	-	PUNCT
fsr-3513	118	5	being	being	NOUN
fsr-3513	118	6	can	can	AUX
fsr-3513	118	7	result	result	VERB
fsr-3513	118	8	in	in	ADP
fsr-3513	118	9	reduced	reduced	ADJ
fsr-3513	118	10	poverty	poverty	NOUN
fsr-3513	118	11	(	(	PUNCT
fsr-3513	118	12	iramani	iramani	PROPN
fsr-3513	118	13	&	&	CCONJ
fsr-3513	118	14	lutfi	lutfi	PROPN
fsr-3513	118	15	,	,	PUNCT
fsr-3513	118	16	2021	2021	NUM
fsr-3513	118	17	)	)	PUNCT
fsr-3513	118	18	.	.	PUNCT
fsr-3513	119	1	according	accord	VERB
fsr-3513	119	2	to	to	ADP
fsr-3513	119	3	the	the	DET
fsr-3513	119	4	consumer	consumer	NOUN
fsr-3513	119	5	financial	financial	PROPN
fsr-3513	119	6	protection	protection	PROPN
fsr-3513	119	7	bureau	bureau	PROPN
fsr-3513	119	8	(	(	PUNCT
fsr-3513	119	9	2015b	2015b	NUM
fsr-3513	119	10	)	)	PUNCT
fsr-3513	119	11	,	,	PUNCT
fsr-3513	119	12	financial	financial	ADJ
fsr-3513	119	13	well	well	NOUN
fsr-3513	119	14	-	-	PUNCT
fsr-3513	119	15	being	being	NOUN
fsr-3513	119	16	entails	entail	VERB
fsr-3513	119	17	having	have	VERB
fsr-3513	119	18	control	control	NOUN
fsr-3513	119	19	over	over	ADP
fsr-3513	119	20	one	one	NUM
fsr-3513	119	21	’s	’s	PART
fsr-3513	119	22	day	day	NOUN
fsr-3513	119	23	-	-	PUNCT
fsr-3513	119	24	to	to	ADP
fsr-3513	119	25	-	-	PUNCT
fsr-3513	119	26	day	day	NOUN
fsr-3513	119	27	and	and	CCONJ
fsr-3513	119	28	monthto	monthto	NOUN
fsr-3513	119	29	-	-	PUNCT
fsr-3513	119	30	month	month	NOUN
fsr-3513	119	31	finances	finance	NOUN
fsr-3513	119	32	,	,	PUNCT
fsr-3513	119	33	having	have	VERB
fsr-3513	119	34	the	the	DET
fsr-3513	119	35	capacity	capacity	NOUN
fsr-3513	119	36	to	to	PART
fsr-3513	119	37	absorb	absorb	VERB
fsr-3513	119	38	financial	financial	ADJ
fsr-3513	119	39	shocks	shock	NOUN
fsr-3513	119	40	,	,	PUNCT
fsr-3513	119	41	being	be	AUX
fsr-3513	119	42	on	on	ADP
fsr-3513	119	43	track	track	NOUN
fsr-3513	119	44	to	to	PART
fsr-3513	119	45	meet	meet	VERB
fsr-3513	119	46	financial	financial	ADJ
fsr-3513	119	47	goals	goal	NOUN
fsr-3513	119	48	,	,	PUNCT
fsr-3513	119	49	and	and	CCONJ
fsr-3513	119	50	having	have	VERB
fsr-3513	119	51	the	the	DET
fsr-3513	119	52	financial	financial	ADJ
fsr-3513	119	53	freedom	freedom	NOUN
fsr-3513	119	54	to	to	PART
fsr-3513	119	55	make	make	VERB
fsr-3513	119	56	choices	choice	NOUN
fsr-3513	119	57	that	that	PRON
fsr-3513	119	58	allow	allow	VERB
fsr-3513	119	59	one	one	PRON
fsr-3513	119	60	to	to	PART
fsr-3513	119	61	enjoy	enjoy	VERB
fsr-3513	119	62	life	life	NOUN
fsr-3513	119	63	(	(	PUNCT
fsr-3513	119	64	consumer	consumer	NOUN
fsr-3513	119	65	financial	financial	PROPN
fsr-3513	119	66	protection	protection	PROPN
fsr-3513	119	67	bureau	bureau	PROPN
fsr-3513	119	68	2015b	2015b	NUM
fsr-3513	119	69	)	)	PUNCT
fsr-3513	119	70	.	.	PUNCT
fsr-3513	120	1	if	if	SCONJ
fsr-3513	120	2	financial	financial	ADJ
fsr-3513	120	3	well	well	NOUN
fsr-3513	120	4	-	-	PUNCT
fsr-3513	120	5	being	being	NOUN
fsr-3513	120	6	is	be	AUX
fsr-3513	120	7	the	the	DET
fsr-3513	120	8	ultimate	ultimate	ADJ
fsr-3513	120	9	goal	goal	NOUN
fsr-3513	120	10	,	,	PUNCT
fsr-3513	120	11	developing	develop	VERB
fsr-3513	120	12	a	a	DET
fsr-3513	120	13	positive	positive	ADJ
fsr-3513	120	14	attitude	attitude	NOUN
fsr-3513	120	15	toward	toward	ADP
fsr-3513	120	16	money	money	NOUN
fsr-3513	120	17	(	(	PUNCT
fsr-3513	120	18	which	which	PRON
fsr-3513	120	19	includes	include	VERB
fsr-3513	120	20	inculcating	inculcate	VERB
fsr-3513	120	21	the	the	DET
fsr-3513	120	22	habit	habit	NOUN
fsr-3513	120	23	of	of	ADP
fsr-3513	120	24	savings	saving	NOUN
fsr-3513	120	25	,	,	PUNCT
fsr-3513	120	26	tracking	tracking	NOUN
fsr-3513	120	27	expenses	expense	NOUN
fsr-3513	120	28	,	,	PUNCT
fsr-3513	120	29	and	and	CCONJ
fsr-3513	120	30	being	be	AUX
fsr-3513	120	31	prudent	prudent	ADJ
fsr-3513	120	32	with	with	ADP
fsr-3513	120	33	money	money	NOUN
fsr-3513	120	34	)	)	PUNCT
fsr-3513	120	35	is	be	AUX
fsr-3513	120	36	a	a	DET
fsr-3513	120	37	strong	strong	ADJ
fsr-3513	120	38	predictor	predictor	NOUN
fsr-3513	120	39	of	of	ADP
fsr-3513	120	40	financial	financial	ADJ
fsr-3513	120	41	well	well	NOUN
fsr-3513	120	42	-	-	PUNCT
fsr-3513	120	43	being	be	AUX
fsr-3513	120	44	(	(	PUNCT
fsr-3513	120	45	utkarsh	utkarsh	ADJ
fsr-3513	120	46	et	et	PROPN
fsr-3513	120	47	al	al	PROPN
fsr-3513	120	48	.	.	PROPN
fsr-3513	120	49	,	,	PUNCT
fsr-3513	120	50	2020	2020	NUM
fsr-3513	120	51	)	)	PUNCT
fsr-3513	120	52	.	.	PUNCT
fsr-3513	121	1	it	it	PRON
fsr-3513	121	2	is	be	AUX
fsr-3513	121	3	reasonable	reasonable	ADJ
fsr-3513	121	4	to	to	PART
fsr-3513	121	5	ask	ask	VERB
fsr-3513	121	6	why	why	SCONJ
fsr-3513	121	7	would	would	AUX
fsr-3513	121	8	financial	financial	ADJ
fsr-3513	121	9	wellbeing	wellbee	VERB
fsr-3513	121	10	not	not	PART
fsr-3513	121	11	be	be	AUX
fsr-3513	121	12	a	a	DET
fsr-3513	121	13	policy	policy	NOUN
fsr-3513	121	14	goal	goal	NOUN
fsr-3513	121	15	?	?	PUNCT
fsr-3513	122	1	given	give	VERB
fsr-3513	122	2	the	the	DET
fsr-3513	122	3	choice	choice	NOUN
fsr-3513	122	4	between	between	ADP
fsr-3513	122	5	being	be	AUX
fsr-3513	122	6	better	well	ADJ
fsr-3513	122	7	off	off	ADV
fsr-3513	122	8	and	and	CCONJ
fsr-3513	122	9	not	not	PART
fsr-3513	122	10	,	,	PUNCT
fsr-3513	122	11	a	a	DET
fsr-3513	122	12	prudent	prudent	ADJ
fsr-3513	122	13	person	person	NOUN
fsr-3513	122	14	should	should	AUX
fsr-3513	122	15	choose	choose	VERB
fsr-3513	122	16	to	to	PART
fsr-3513	122	17	be	be	AUX
fsr-3513	122	18	better	well	ADJ
fsr-3513	122	19	off	off	ADV
fsr-3513	122	20	;	;	PUNCT
fsr-3513	122	21	consequently	consequently	ADV
fsr-3513	122	22	,	,	PUNCT
fsr-3513	122	23	they	they	PRON
fsr-3513	122	24	should	should	AUX
fsr-3513	122	25	take	take	VERB
fsr-3513	122	26	the	the	DET
fsr-3513	122	27	relevant	relevant	ADJ
fsr-3513	122	28	actions	action	NOUN
fsr-3513	122	29	to	to	PART
fsr-3513	122	30	achieve	achieve	VERB
fsr-3513	122	31	that	that	DET
fsr-3513	122	32	goal	goal	NOUN
fsr-3513	122	33	.	.	PUNCT
fsr-3513	123	1	according	accord	VERB
fsr-3513	123	2	to	to	ADP
fsr-3513	123	3	drever	drever	PROPN
fsr-3513	123	4	et	et	PROPN
fsr-3513	123	5	al	al	PROPN
fsr-3513	123	6	.	.	PUNCT
fsr-3513	124	1	(	(	PUNCT
fsr-3513	124	2	2015	2015	NUM
fsr-3513	124	3	)	)	PUNCT
fsr-3513	124	4	,	,	PUNCT
fsr-3513	124	5	healthy	healthy	ADJ
fsr-3513	124	6	attitudes	attitude	NOUN
fsr-3513	124	7	about	about	ADP
fsr-3513	124	8	saving	saving	NOUN
fsr-3513	124	9	and	and	CCONJ
fsr-3513	124	10	some	some	DET
fsr-3513	124	11	frugality	frugality	NOUN
fsr-3513	124	12	are	be	AUX
fsr-3513	124	13	necessary	necessary	ADJ
fsr-3513	124	14	for	for	ADP
fsr-3513	124	15	skillful	skillful	ADJ
fsr-3513	124	16	money	money	NOUN
fsr-3513	124	17	management	management	NOUN
fsr-3513	124	18	—	—	PUNCT
fsr-3513	124	19	positive	positive	ADJ
fsr-3513	124	20	views	view	NOUN
fsr-3513	124	21	on	on	ADP
fsr-3513	124	22	budgeting	budget	VERB
fsr-3513	124	23	support	support	NOUN
fsr-3513	124	24	financial	financial	ADJ
fsr-3513	124	25	goal	goal	NOUN
fsr-3513	124	26	setting	set	VERB
fsr-3513	124	27	and	and	CCONJ
fsr-3513	124	28	planning	planning	NOUN
fsr-3513	124	29	.	.	PUNCT
fsr-3513	125	1	thus	thus	ADV
fsr-3513	125	2	,	,	PUNCT
fsr-3513	125	3	a	a	DET
fsr-3513	125	4	lack	lack	NOUN
fsr-3513	125	5	of	of	ADP
fsr-3513	125	6	materialism	materialism	NOUN
fsr-3513	125	7	likely	likely	ADV
fsr-3513	125	8	leads	lead	VERB
fsr-3513	125	9	to	to	ADP
fsr-3513	125	10	an	an	DET
fsr-3513	125	11	ability	ability	NOUN
fsr-3513	125	12	to	to	PART
fsr-3513	125	13	live	live	VERB
fsr-3513	125	14	within	within	ADP
fsr-3513	125	15	one	one	NUM
fsr-3513	125	16	’s	’s	PART
fsr-3513	125	17	means	mean	NOUN
fsr-3513	125	18	.	.	PUNCT
fsr-3513	126	1	a	a	DET
fsr-3513	126	2	conceptual	conceptual	ADJ
fsr-3513	126	3	model	model	NOUN
fsr-3513	126	4	of	of	ADP
fsr-3513	126	5	family	family	NOUN
fsr-3513	126	6	financial	financial	ADJ
fsr-3513	126	7	socialization	socialization	NOUN
fsr-3513	126	8	the	the	DET
fsr-3513	126	9	conceptual	conceptual	ADJ
fsr-3513	126	10	framework	framework	NOUN
fsr-3513	126	11	illustrated	illustrate	VERB
fsr-3513	126	12	in	in	ADP
fsr-3513	126	13	figure	figure	NOUN
fsr-3513	126	14	1	1	NUM
fsr-3513	126	15	proposes	propose	VERB
fsr-3513	126	16	interrelationships	interrelationship	NOUN
fsr-3513	126	17	and	and	CCONJ
fsr-3513	126	18	relationships	relationship	NOUN
fsr-3513	126	19	that	that	PRON
fsr-3513	126	20	influence	influence	VERB
fsr-3513	126	21	parental	parental	ADJ
fsr-3513	126	22	financial	financial	ADJ
fsr-3513	126	23	socialization	socialization	NOUN
fsr-3513	126	24	on	on	ADP
fsr-3513	126	25	financial	financial	ADJ
fsr-3513	126	26	and	and	CCONJ
fsr-3513	126	27	subjective	subjective	ADJ
fsr-3513	126	28	well	well	ADV
fsr-3513	126	29	-	-	PUNCT
fsr-3513	126	30	being	be	AUX
fsr-3513	126	31	through	through	ADP
fsr-3513	126	32	three	three	NUM
fsr-3513	126	33	motivators	motivator	NOUN
fsr-3513	126	34	:	:	PUNCT
fsr-3513	126	35	financial	financial	ADJ
fsr-3513	126	36	knowledge	knowledge	NOUN
fsr-3513	126	37	,	,	PUNCT
fsr-3513	126	38	goal	goal	NOUN
fsr-3513	126	39	setting	setting	NOUN
fsr-3513	126	40	,	,	PUNCT
fsr-3513	126	41	and	and	CCONJ
fsr-3513	126	42	self	self	NOUN
fsr-3513	126	43	-	-	PUNCT
fsr-3513	126	44	control	control	NOUN
fsr-3513	126	45	,	,	PUNCT
fsr-3513	126	46	either	either	CCONJ
fsr-3513	126	47	directly	directly	ADV
fsr-3513	126	48	on	on	ADP
fsr-3513	126	49	financial	financial	ADJ
fsr-3513	126	50	behaviors	behavior	NOUN
fsr-3513	126	51	or	or	CCONJ
fsr-3513	126	52	indirectly	indirectly	ADV
fsr-3513	126	53	through	through	ADP
fsr-3513	126	54	financial	financial	ADJ
fsr-3513	126	55	skills	skill	NOUN
fsr-3513	126	56	on	on	ADP
fsr-3513	126	57	financial	financial	ADJ
fsr-3513	126	58	behaviors	behavior	NOUN
fsr-3513	126	59	.	.	PUNCT
fsr-3513	127	1	with	with	ADP
fsr-3513	127	2	this	this	DET
fsr-3513	127	3	theoretical	theoretical	ADJ
fsr-3513	127	4	foundation	foundation	NOUN
fsr-3513	127	5	,	,	PUNCT
fsr-3513	127	6	we	we	PRON
fsr-3513	127	7	introduce	introduce	VERB
fsr-3513	127	8	a	a	DET
fsr-3513	127	9	conceptual	conceptual	ADJ
fsr-3513	127	10	model	model	NOUN
fsr-3513	127	11	that	that	PRON
fsr-3513	127	12	embeds	embed	VERB
fsr-3513	127	13	family	family	NOUN
fsr-3513	127	14	financial	financial	ADJ
fsr-3513	127	15	socialization	socialization	NOUN
fsr-3513	127	16	through	through	ADP
fsr-3513	127	17	gudmunson	gudmunson	PROPN
fsr-3513	127	18	and	and	CCONJ
fsr-3513	127	19	danes	danes	PROPN
fsr-3513	127	20	’	'	PUNCT
fsr-3513	127	21	(	(	PUNCT
fsr-3513	127	22	2011	2011	NUM
fsr-3513	127	23	)	)	PUNCT
fsr-3513	127	24	processes	process	NOUN
fsr-3513	127	25	within	within	ADP
fsr-3513	127	26	personal	personal	ADJ
fsr-3513	127	27	finance	finance	NOUN
fsr-3513	127	28	.	.	PUNCT
fsr-3513	128	1	the	the	DET
fsr-3513	128	2	model	model	NOUN
fsr-3513	128	3	offers	offer	VERB
fsr-3513	128	4	a	a	DET
fsr-3513	128	5	unique	unique	ADJ
fsr-3513	128	6	perspective	perspective	NOUN
fsr-3513	128	7	on	on	ADP
fsr-3513	128	8	how	how	SCONJ
fsr-3513	128	9	financial	financial	ADJ
fsr-3513	128	10	socialization	socialization	NOUN
fsr-3513	128	11	can	can	AUX
fsr-3513	128	12	influence	influence	VERB
fsr-3513	128	13	financial	financial	ADJ
fsr-3513	128	14	and	and	CCONJ
fsr-3513	128	15	subjective	subjective	ADJ
fsr-3513	128	16	well	well	ADV
fsr-3513	128	17	-	-	PUNCT
fsr-3513	128	18	being	be	AUX
fsr-3513	128	19	(	(	PUNCT
fsr-3513	128	20	fan	fan	PROPN
fsr-3513	128	21	&	&	CCONJ
fsr-3513	128	22	park	park	PROPN
fsr-3513	128	23	,	,	PUNCT
fsr-3513	128	24	2021	2021	NUM
fsr-3513	128	25	;	;	PUNCT
fsr-3513	128	26	fisher	fisher	PROPN
fsr-3513	128	27	et	et	PROPN
fsr-3513	128	28	al	al	PROPN
fsr-3513	128	29	.	.	PROPN
fsr-3513	128	30	,	,	PUNCT
fsr-3513	128	31	2006	2006	NUM
fsr-3513	128	32	;	;	PUNCT
fsr-3513	128	33	fung	fung	PROPN
fsr-3513	128	34	,	,	PUNCT
fsr-3513	128	35	2017	2017	NUM
fsr-3513	128	36	;	;	PUNCT
fsr-3513	128	37	gudmunson	gudmunson	PROPN
fsr-3513	128	38	&	&	CCONJ
fsr-3513	128	39	danes	danes	PROPN
fsr-3513	128	40	,	,	PUNCT
fsr-3513	128	41	2011	2011	NUM
fsr-3513	128	42	;	;	PUNCT
fsr-3513	128	43	limbu	limbu	PROPN
fsr-3513	128	44	,	,	PUNCT
fsr-3513	128	45	2017	2017	NUM
fsr-3513	128	46	)	)	PUNCT
fsr-3513	128	47	.	.	PUNCT
fsr-3513	129	1	additionally	additionally	ADV
fsr-3513	129	2	,	,	PUNCT
fsr-3513	129	3	the	the	DET
fsr-3513	129	4	information	information	NOUN
fsr-3513	129	5	motivation	motivation	NOUN
fsr-3513	129	6	behavioral	behavioral	ADJ
fsr-3513	129	7	skills	skill	NOUN
fsr-3513	129	8	model	model	NOUN
fsr-3513	129	9	,	,	PUNCT
fsr-3513	129	10	originally	originally	ADV
fsr-3513	129	11	developed	develop	VERB
fsr-3513	129	12	to	to	ADP
fsr-3513	129	13	financial	financial	ADJ
fsr-3513	129	14	services	service	NOUN
fsr-3513	129	15	review	review	NOUN
fsr-3513	129	16	,	,	PUNCT
fsr-3513	129	17	32(2	32(2	NUM
fsr-3513	129	18	)	)	PUNCT
fsr-3513	129	19	58	58	NUM
fsr-3513	129	20	predict	predict	VERB
fsr-3513	129	21	health	health	NOUN
fsr-3513	129	22	behavior	behavior	NOUN
fsr-3513	129	23	by	by	ADP
fsr-3513	129	24	fisher	fisher	PROPN
fsr-3513	129	25	and	and	CCONJ
fsr-3513	129	26	fisher	fisher	PROPN
fsr-3513	129	27	(	(	PUNCT
fsr-3513	129	28	1992	1992	NUM
fsr-3513	129	29	)	)	PUNCT
fsr-3513	129	30	,	,	PUNCT
fsr-3513	129	31	which	which	PRON
fsr-3513	129	32	has	have	AUX
fsr-3513	129	33	been	be	AUX
fsr-3513	129	34	shown	show	VERB
fsr-3513	129	35	to	to	PART
fsr-3513	129	36	predict	predict	VERB
fsr-3513	129	37	and	and	CCONJ
fsr-3513	129	38	change	change	VERB
fsr-3513	129	39	several	several	ADJ
fsr-3513	129	40	behaviors	behavior	NOUN
fsr-3513	129	41	,	,	PUNCT
fsr-3513	129	42	has	have	AUX
fsr-3513	129	43	been	be	AUX
fsr-3513	129	44	included	include	VERB
fsr-3513	129	45	.	.	PUNCT
fsr-3513	130	1	despite	despite	SCONJ
fsr-3513	130	2	being	be	AUX
fsr-3513	130	3	initially	initially	ADV
fsr-3513	130	4	developed	develop	VERB
fsr-3513	130	5	in	in	ADP
fsr-3513	130	6	different	different	ADJ
fsr-3513	130	7	disciplines	discipline	NOUN
fsr-3513	130	8	,	,	PUNCT
fsr-3513	130	9	these	these	DET
fsr-3513	130	10	two	two	NUM
fsr-3513	130	11	models	model	NOUN
fsr-3513	130	12	provide	provide	VERB
fsr-3513	130	13	theoretical	theoretical	ADJ
fsr-3513	130	14	support	support	NOUN
fsr-3513	130	15	for	for	ADP
fsr-3513	130	16	constructing	construct	VERB
fsr-3513	130	17	our	our	PRON
fsr-3513	130	18	conceptual	conceptual	ADJ
fsr-3513	130	19	framework	framework	NOUN
fsr-3513	130	20	.	.	PUNCT
fsr-3513	131	1	the	the	DET
fsr-3513	131	2	literature	literature	NOUN
fsr-3513	131	3	has	have	AUX
fsr-3513	131	4	documented	document	VERB
fsr-3513	131	5	evidence	evidence	NOUN
fsr-3513	131	6	that	that	SCONJ
fsr-3513	131	7	parental	parental	ADJ
fsr-3513	131	8	financial	financial	ADJ
fsr-3513	131	9	socialization	socialization	NOUN
fsr-3513	131	10	,	,	PUNCT
fsr-3513	131	11	either	either	CCONJ
fsr-3513	131	12	explicitly	explicitly	ADV
fsr-3513	131	13	or	or	CCONJ
fsr-3513	131	14	implicitly	implicitly	ADV
fsr-3513	131	15	,	,	PUNCT
fsr-3513	131	16	can	can	AUX
fsr-3513	131	17	have	have	AUX
fsr-3513	131	18	long	long	ADJ
fsr-3513	131	19	-	-	PUNCT
fsr-3513	131	20	term	term	NOUN
fsr-3513	131	21	influences	influence	NOUN
fsr-3513	131	22	on	on	ADP
fsr-3513	131	23	individual	individual	ADJ
fsr-3513	131	24	financial	financial	ADJ
fsr-3513	131	25	behavior	behavior	NOUN
fsr-3513	131	26	(	(	PUNCT
fsr-3513	131	27	fan	fan	PROPN
fsr-3513	131	28	&	&	CCONJ
fsr-3513	131	29	park	park	PROPN
fsr-3513	131	30	,	,	PUNCT
fsr-3513	131	31	2021	2021	NUM
fsr-3513	131	32	;	;	PUNCT
fsr-3513	131	33	kim	kim	PROPN
fsr-3513	131	34	&	&	CCONJ
fsr-3513	131	35	chatterjee	chatterjee	PROPN
fsr-3513	131	36	,	,	PUNCT
fsr-3513	131	37	2013	2013	NUM
fsr-3513	131	38	;	;	PUNCT
fsr-3513	131	39	norvilitis	norvilitis	PROPN
fsr-3513	131	40	&	&	CCONJ
fsr-3513	131	41	maclean	maclean	PROPN
fsr-3513	131	42	,	,	PUNCT
fsr-3513	131	43	2010	2010	NUM
fsr-3513	131	44	;	;	PUNCT
fsr-3513	131	45	tang	tang	X
fsr-3513	131	46	et	et	PROPN
fsr-3513	131	47	al	al	PROPN
fsr-3513	131	48	.	.	PROPN
fsr-3513	131	49	,	,	PUNCT
fsr-3513	131	50	2015	2015	NUM
fsr-3513	131	51	)	)	PUNCT
fsr-3513	131	52	.	.	PUNCT
fsr-3513	132	1	furthermore	furthermore	ADV
fsr-3513	132	2	,	,	PUNCT
fsr-3513	132	3	financial	financial	ADJ
fsr-3513	132	4	well	well	NOUN
fsr-3513	132	5	-	-	PUNCT
fsr-3513	132	6	being	being	NOUN
fsr-3513	132	7	is	be	AUX
fsr-3513	132	8	achieved	achieve	VERB
fsr-3513	132	9	by	by	ADP
fsr-3513	132	10	promoting	promote	VERB
fsr-3513	132	11	financial	financial	ADJ
fsr-3513	132	12	knowledge	knowledge	NOUN
fsr-3513	132	13	and	and	CCONJ
fsr-3513	132	14	perceived	perceive	VERB
fsr-3513	132	15	behavioral	behavioral	ADJ
fsr-3513	132	16	control	control	NOUN
fsr-3513	132	17	(	(	PUNCT
fsr-3513	132	18	shim	shim	NOUN
fsr-3513	132	19	et	et	PROPN
fsr-3513	132	20	al	al	PROPN
fsr-3513	132	21	.	.	PROPN
fsr-3513	132	22	,	,	PUNCT
fsr-3513	132	23	2009	2009	NUM
fsr-3513	132	24	)	)	PUNCT
fsr-3513	132	25	.	.	PUNCT
fsr-3513	133	1	the	the	DET
fsr-3513	133	2	information	information	NOUN
fsr-3513	133	3	motivation	motivation	NOUN
fsr-3513	133	4	behavior	behavior	NOUN
fsr-3513	133	5	skills	skill	NOUN
fsr-3513	133	6	model	model	NOUN
fsr-3513	133	7	,	,	PUNCT
fsr-3513	133	8	originally	originally	ADV
fsr-3513	133	9	developed	develop	VERB
fsr-3513	133	10	to	to	PART
fsr-3513	133	11	predict	predict	VERB
fsr-3513	133	12	health	health	NOUN
fsr-3513	133	13	behavior	behavior	NOUN
fsr-3513	133	14	by	by	ADP
fsr-3513	133	15	fisher	fisher	PROPN
fsr-3513	133	16	and	and	CCONJ
fsr-3513	133	17	fisher	fisher	PROPN
fsr-3513	133	18	(	(	PUNCT
fsr-3513	133	19	1992	1992	NUM
fsr-3513	133	20	)	)	PUNCT
fsr-3513	133	21	,	,	PUNCT
fsr-3513	133	22	has	have	AUX
fsr-3513	133	23	been	be	AUX
fsr-3513	133	24	shown	show	VERB
fsr-3513	133	25	to	to	PART
fsr-3513	133	26	describe	describe	VERB
fsr-3513	133	27	several	several	ADJ
fsr-3513	133	28	behaviors	behavior	NOUN
fsr-3513	133	29	,	,	PUNCT
fsr-3513	133	30	including	include	VERB
fsr-3513	133	31	financial	financial	ADJ
fsr-3513	133	32	behaviors	behavior	NOUN
fsr-3513	133	33	(	(	PUNCT
fsr-3513	133	34	fan	fan	PROPN
fsr-3513	133	35	&	&	CCONJ
fsr-3513	133	36	park	park	PROPN
fsr-3513	133	37	,	,	PUNCT
fsr-3513	133	38	2021	2021	NUM
fsr-3513	133	39	;	;	PUNCT
fsr-3513	133	40	limbu	limbu	PROPN
fsr-3513	133	41	,	,	PUNCT
fsr-3513	133	42	2017	2017	NUM
fsr-3513	133	43	)	)	PUNCT
fsr-3513	133	44	.	.	PUNCT
fsr-3513	134	1	however	however	ADV
fsr-3513	134	2	,	,	PUNCT
fsr-3513	134	3	fan	fan	NOUN
fsr-3513	134	4	and	and	CCONJ
fsr-3513	134	5	park	park	NOUN
fsr-3513	134	6	(	(	PUNCT
fsr-3513	134	7	2021	2021	NUM
fsr-3513	134	8	)	)	PUNCT
fsr-3513	134	9	evaluated	evaluate	VERB
fsr-3513	134	10	the	the	DET
fsr-3513	134	11	influences	influence	NOUN
fsr-3513	134	12	of	of	ADP
fsr-3513	134	13	motivations	motivation	NOUN
fsr-3513	134	14	to	to	PART
fsr-3513	134	15	learn	learn	VERB
fsr-3513	134	16	and	and	CCONJ
fsr-3513	134	17	perform	perform	VERB
fsr-3513	134	18	that	that	PRON
fsr-3513	134	19	were	be	AUX
fsr-3513	134	20	significant	significant	ADJ
fsr-3513	134	21	predictors	predictor	NOUN
fsr-3513	134	22	of	of	ADP
fsr-3513	134	23	financial	financial	ADJ
fsr-3513	134	24	behavior	behavior	NOUN
fsr-3513	134	25	.	.	PUNCT
fsr-3513	135	1	based	base	VERB
fsr-3513	135	2	on	on	ADP
fsr-3513	135	3	their	their	PRON
fsr-3513	135	4	work	work	NOUN
fsr-3513	135	5	,	,	PUNCT
fsr-3513	135	6	the	the	DET
fsr-3513	135	7	conceptual	conceptual	ADJ
fsr-3513	135	8	framework	framework	NOUN
fsr-3513	135	9	aims	aim	VERB
fsr-3513	135	10	to	to	PART
fsr-3513	135	11	incorporate	incorporate	VERB
fsr-3513	135	12	the	the	DET
fsr-3513	135	13	behavioral	behavioral	ADJ
fsr-3513	135	14	motivation	motivation	NOUN
fsr-3513	135	15	element	element	NOUN
fsr-3513	135	16	into	into	ADP
fsr-3513	135	17	examining	examine	VERB
fsr-3513	135	18	financial	financial	ADJ
fsr-3513	135	19	socialization	socialization	NOUN
fsr-3513	135	20	and	and	CCONJ
fsr-3513	135	21	extends	extend	VERB
fsr-3513	135	22	the	the	DET
fsr-3513	135	23	current	current	ADJ
fsr-3513	135	24	understanding	understanding	NOUN
fsr-3513	135	25	of	of	ADP
fsr-3513	135	26	family	family	NOUN
fsr-3513	135	27	socialization	socialization	NOUN
fsr-3513	135	28	into	into	ADP
fsr-3513	135	29	subjective	subjective	ADJ
fsr-3513	135	30	financial	financial	ADJ
fsr-3513	135	31	well	well	NOUN
fsr-3513	135	32	-	-	PUNCT
fsr-3513	135	33	being	being	NOUN
fsr-3513	135	34	as	as	ADP
fsr-3513	135	35	an	an	DET
fsr-3513	135	36	outcome	outcome	NOUN
fsr-3513	135	37	of	of	ADP
fsr-3513	135	38	family	family	NOUN
fsr-3513	135	39	financial	financial	ADJ
fsr-3513	135	40	socialization	socialization	NOUN
fsr-3513	135	41	.	.	PUNCT
fsr-3513	136	1	the	the	DET
fsr-3513	136	2	theoretical	theoretical	ADJ
fsr-3513	136	3	framework	framework	NOUN
fsr-3513	136	4	(	(	PUNCT
fsr-3513	136	5	figure	figure	NOUN
fsr-3513	136	6	1	1	NUM
fsr-3513	136	7	)	)	PUNCT
fsr-3513	136	8	proposes	propose	VERB
fsr-3513	136	9	that	that	SCONJ
fsr-3513	136	10	financial	financial	ADJ
fsr-3513	136	11	socialization	socialization	NOUN
fsr-3513	136	12	is	be	AUX
fsr-3513	136	13	significantly	significantly	ADV
fsr-3513	136	14	and	and	CCONJ
fsr-3513	136	15	positively	positively	ADV
fsr-3513	136	16	associated	associate	VERB
fsr-3513	136	17	with	with	ADP
fsr-3513	136	18	financial	financial	ADJ
fsr-3513	136	19	and	and	CCONJ
fsr-3513	136	20	subjective	subjective	ADJ
fsr-3513	136	21	well	well	ADV
fsr-3513	136	22	-	-	PUNCT
fsr-3513	136	23	being	being	NOUN
fsr-3513	136	24	,	,	PUNCT
fsr-3513	136	25	mediated	mediate	VERB
fsr-3513	136	26	by	by	ADP
fsr-3513	136	27	financial	financial	ADJ
fsr-3513	136	28	knowledge	knowledge	NOUN
fsr-3513	136	29	,	,	PUNCT
fsr-3513	136	30	goal	goal	NOUN
fsr-3513	136	31	setting	setting	NOUN
fsr-3513	136	32	,	,	PUNCT
fsr-3513	136	33	and	and	CCONJ
fsr-3513	136	34	self	self	NOUN
fsr-3513	136	35	-	-	PUNCT
fsr-3513	136	36	control	control	NOUN
fsr-3513	136	37	.	.	PUNCT
fsr-3513	137	1	these	these	DET
fsr-3513	137	2	three	three	NUM
fsr-3513	137	3	motivators	motivator	NOUN
fsr-3513	137	4	mediate	mediate	VERB
fsr-3513	137	5	financial	financial	ADJ
fsr-3513	137	6	and	and	CCONJ
fsr-3513	137	7	subjective	subjective	ADJ
fsr-3513	137	8	well	well	ADV
fsr-3513	137	9	-	-	PUNCT
fsr-3513	137	10	being	be	AUX
fsr-3513	137	11	either	either	CCONJ
fsr-3513	137	12	directly	directly	ADV
fsr-3513	137	13	through	through	ADP
fsr-3513	137	14	financial	financial	ADJ
fsr-3513	137	15	behaviors	behavior	NOUN
fsr-3513	137	16	or	or	CCONJ
fsr-3513	137	17	indirectly	indirectly	ADV
fsr-3513	137	18	through	through	ADP
fsr-3513	137	19	financial	financial	ADJ
fsr-3513	137	20	skills	skill	NOUN
fsr-3513	137	21	and	and	CCONJ
fsr-3513	137	22	then	then	ADV
fsr-3513	137	23	through	through	ADP
fsr-3513	137	24	financial	financial	ADJ
fsr-3513	137	25	behaviors	behavior	NOUN
fsr-3513	137	26	.	.	PUNCT
fsr-3513	138	1	this	this	DET
fsr-3513	138	2	study	study	NOUN
fsr-3513	138	3	uses	use	VERB
fsr-3513	138	4	this	this	DET
fsr-3513	138	5	framework	framework	NOUN
fsr-3513	138	6	to	to	PART
fsr-3513	138	7	posit	posit	VERB
fsr-3513	138	8	that	that	SCONJ
fsr-3513	138	9	there	there	PRON
fsr-3513	138	10	is	be	VERB
fsr-3513	138	11	a	a	DET
fsr-3513	138	12	significant	significant	ADJ
fsr-3513	138	13	difference	difference	NOUN
fsr-3513	138	14	in	in	ADP
fsr-3513	138	15	this	this	DET
fsr-3513	138	16	relationship	relationship	NOUN
fsr-3513	138	17	between	between	ADP
fsr-3513	138	18	african	african	ADJ
fsr-3513	138	19	americans	americans	PROPN
fsr-3513	138	20	and	and	CCONJ
fsr-3513	138	21	european	european	PROPN
fsr-3513	138	22	americans	americans	PROPN
fsr-3513	138	23	.	.	PUNCT
fsr-3513	139	1	thus	thus	ADV
fsr-3513	139	2	,	,	PUNCT
fsr-3513	139	3	we	we	PRON
fsr-3513	139	4	propose	propose	VERB
fsr-3513	139	5	the	the	DET
fsr-3513	139	6	following	following	ADJ
fsr-3513	139	7	hypotheses	hypothesis	NOUN
fsr-3513	139	8	:	:	PUNCT
fsr-3513	139	9	hypothesis	hypothesis	NOUN
fsr-3513	139	10	1	1	NUM
fsr-3513	139	11	.	.	PUNCT
fsr-3513	140	1	there	there	PRON
fsr-3513	140	2	is	be	VERB
fsr-3513	140	3	a	a	DET
fsr-3513	140	4	significant	significant	ADJ
fsr-3513	140	5	difference	difference	NOUN
fsr-3513	140	6	in	in	ADP
fsr-3513	140	7	the	the	DET
fsr-3513	140	8	relationship	relationship	NOUN
fsr-3513	140	9	between	between	ADP
fsr-3513	140	10	financial	financial	ADJ
fsr-3513	140	11	socialization	socialization	NOUN
fsr-3513	140	12	and	and	CCONJ
fsr-3513	140	13	well	well	ADV
fsr-3513	140	14	-	-	PUNCT
fsr-3513	140	15	being	be	AUX
fsr-3513	140	16	(	(	PUNCT
fsr-3513	140	17	financial	financial	ADJ
fsr-3513	140	18	and	and	CCONJ
fsr-3513	140	19	subjective	subjective	ADJ
fsr-3513	140	20	)	)	PUNCT
fsr-3513	140	21	,	,	PUNCT
fsr-3513	140	22	mediated	mediate	VERB
fsr-3513	140	23	by	by	ADP
fsr-3513	140	24	financial	financial	ADJ
fsr-3513	140	25	knowledge	knowledge	NOUN
fsr-3513	140	26	directly	directly	ADV
fsr-3513	140	27	on	on	ADP
fsr-3513	140	28	financial	financial	ADJ
fsr-3513	140	29	management	management	NOUN
fsr-3513	140	30	behaviors	behavior	NOUN
fsr-3513	140	31	for	for	ADP
fsr-3513	140	32	african	african	ADJ
fsr-3513	140	33	americans	americans	PROPN
fsr-3513	140	34	compared	compare	VERB
fsr-3513	140	35	with	with	ADP
fsr-3513	140	36	european	european	PROPN
fsr-3513	140	37	americans	americans	PROPN
fsr-3513	140	38	.	.	PUNCT
fsr-3513	141	1	hypothesis	hypothesis	NOUN
fsr-3513	141	2	2	2	NUM
fsr-3513	141	3	.	.	PUNCT
fsr-3513	142	1	there	there	PRON
fsr-3513	142	2	is	be	VERB
fsr-3513	142	3	a	a	DET
fsr-3513	142	4	significant	significant	ADJ
fsr-3513	142	5	difference	difference	NOUN
fsr-3513	142	6	in	in	ADP
fsr-3513	142	7	the	the	DET
fsr-3513	142	8	relationship	relationship	NOUN
fsr-3513	142	9	between	between	ADP
fsr-3513	142	10	financial	financial	ADJ
fsr-3513	142	11	socialization	socialization	NOUN
fsr-3513	142	12	and	and	CCONJ
fsr-3513	142	13	well	well	ADV
fsr-3513	142	14	-	-	PUNCT
fsr-3513	142	15	being	be	AUX
fsr-3513	142	16	(	(	PUNCT
fsr-3513	142	17	financial	financial	ADJ
fsr-3513	142	18	and	and	CCONJ
fsr-3513	142	19	subjective	subjective	ADJ
fsr-3513	142	20	)	)	PUNCT
fsr-3513	142	21	,	,	PUNCT
fsr-3513	142	22	mediated	mediate	VERB
fsr-3513	142	23	by	by	ADP
fsr-3513	142	24	financial	financial	ADJ
fsr-3513	142	25	knowledge	knowledge	NOUN
fsr-3513	142	26	indirectly	indirectly	ADV
fsr-3513	142	27	through	through	ADP
fsr-3513	142	28	financial	financial	ADJ
fsr-3513	142	29	skills	skill	NOUN
fsr-3513	142	30	on	on	ADP
fsr-3513	142	31	financial	financial	ADJ
fsr-3513	142	32	behaviors	behavior	NOUN
fsr-3513	142	33	for	for	ADP
fsr-3513	142	34	african	african	ADJ
fsr-3513	142	35	americans	americans	PROPN
fsr-3513	142	36	compared	compare	VERB
fsr-3513	142	37	with	with	ADP
fsr-3513	142	38	european	european	PROPN
fsr-3513	142	39	americans	americans	PROPN
fsr-3513	142	40	.	.	PUNCT
fsr-3513	143	1	hypothesis	hypothesis	NOUN
fsr-3513	143	2	3	3	NUM
fsr-3513	143	3	.	.	PUNCT
fsr-3513	144	1	there	there	PRON
fsr-3513	144	2	is	be	VERB
fsr-3513	144	3	a	a	DET
fsr-3513	144	4	significant	significant	ADJ
fsr-3513	144	5	difference	difference	NOUN
fsr-3513	144	6	in	in	ADP
fsr-3513	144	7	the	the	DET
fsr-3513	144	8	relationship	relationship	NOUN
fsr-3513	144	9	between	between	ADP
fsr-3513	144	10	financial	financial	ADJ
fsr-3513	144	11	socialization	socialization	NOUN
fsr-3513	144	12	and	and	CCONJ
fsr-3513	144	13	well	well	ADV
fsr-3513	144	14	-	-	PUNCT
fsr-3513	144	15	being	be	AUX
fsr-3513	144	16	(	(	PUNCT
fsr-3513	144	17	financial	financial	ADJ
fsr-3513	144	18	and	and	CCONJ
fsr-3513	144	19	subjective	subjective	ADJ
fsr-3513	144	20	)	)	PUNCT
fsr-3513	144	21	,	,	PUNCT
fsr-3513	144	22	mediated	mediate	VERB
fsr-3513	144	23	by	by	ADP
fsr-3513	144	24	goal	goal	NOUN
fsr-3513	144	25	setting	set	VERB
fsr-3513	144	26	directly	directly	ADV
fsr-3513	144	27	on	on	ADP
fsr-3513	144	28	financial	financial	ADJ
fsr-3513	144	29	management	management	NOUN
fsr-3513	144	30	behaviors	behavior	NOUN
fsr-3513	144	31	for	for	ADP
fsr-3513	144	32	african	african	ADJ
fsr-3513	144	33	americans	americans	PROPN
fsr-3513	144	34	compared	compare	VERB
fsr-3513	144	35	with	with	ADP
fsr-3513	144	36	european	european	PROPN
fsr-3513	144	37	americans	americans	PROPN
fsr-3513	144	38	.	.	PUNCT
fsr-3513	145	1	hypothesis	hypothesis	NOUN
fsr-3513	145	2	4	4	NUM
fsr-3513	145	3	.	.	PUNCT
fsr-3513	146	1	there	there	PRON
fsr-3513	146	2	is	be	VERB
fsr-3513	146	3	a	a	DET
fsr-3513	146	4	significant	significant	ADJ
fsr-3513	146	5	difference	difference	NOUN
fsr-3513	146	6	in	in	ADP
fsr-3513	146	7	the	the	DET
fsr-3513	146	8	relationship	relationship	NOUN
fsr-3513	146	9	between	between	ADP
fsr-3513	146	10	financial	financial	ADJ
fsr-3513	146	11	socialization	socialization	NOUN
fsr-3513	146	12	and	and	CCONJ
fsr-3513	146	13	well	well	ADV
fsr-3513	146	14	-	-	PUNCT
fsr-3513	146	15	being	be	AUX
fsr-3513	146	16	(	(	PUNCT
fsr-3513	146	17	financial	financial	ADJ
fsr-3513	146	18	and	and	CCONJ
fsr-3513	146	19	subjective	subjective	ADJ
fsr-3513	146	20	)	)	PUNCT
fsr-3513	146	21	,	,	PUNCT
fsr-3513	146	22	mediated	mediate	VERB
fsr-3513	146	23	by	by	ADP
fsr-3513	146	24	goal	goal	NOUN
fsr-3513	146	25	setting	set	VERB
fsr-3513	146	26	indirectly	indirectly	ADV
fsr-3513	146	27	through	through	ADP
fsr-3513	146	28	financial	financial	ADJ
fsr-3513	146	29	skills	skill	NOUN
fsr-3513	146	30	on	on	ADP
fsr-3513	146	31	financial	financial	ADJ
fsr-3513	146	32	behaviors	behavior	NOUN
fsr-3513	146	33	for	for	ADP
fsr-3513	146	34	african	african	ADJ
fsr-3513	146	35	americans	americans	PROPN
fsr-3513	146	36	compared	compare	VERB
fsr-3513	146	37	with	with	ADP
fsr-3513	146	38	european	european	PROPN
fsr-3513	146	39	americans	americans	PROPN
fsr-3513	146	40	.	.	PUNCT
fsr-3513	147	1	hypothesis	hypothesis	NOUN
fsr-3513	147	2	5	5	NUM
fsr-3513	147	3	.	.	PUNCT
fsr-3513	148	1	there	there	PRON
fsr-3513	148	2	is	be	VERB
fsr-3513	148	3	a	a	DET
fsr-3513	148	4	significant	significant	ADJ
fsr-3513	148	5	difference	difference	NOUN
fsr-3513	148	6	in	in	ADP
fsr-3513	148	7	the	the	DET
fsr-3513	148	8	relationship	relationship	NOUN
fsr-3513	148	9	between	between	ADP
fsr-3513	148	10	financial	financial	ADJ
fsr-3513	148	11	socialization	socialization	NOUN
fsr-3513	148	12	and	and	CCONJ
fsr-3513	148	13	well	well	ADV
fsr-3513	148	14	-	-	PUNCT
fsr-3513	148	15	being	be	AUX
fsr-3513	148	16	(	(	PUNCT
fsr-3513	148	17	financial	financial	ADJ
fsr-3513	148	18	and	and	CCONJ
fsr-3513	148	19	subjective	subjective	ADJ
fsr-3513	148	20	)	)	PUNCT
fsr-3513	148	21	,	,	PUNCT
fsr-3513	148	22	mediated	mediate	VERB
fsr-3513	148	23	by	by	ADP
fsr-3513	148	24	self	self	NOUN
fsr-3513	148	25	-	-	PUNCT
fsr-3513	148	26	control	control	NOUN
fsr-3513	148	27	directly	directly	ADV
fsr-3513	148	28	on	on	ADP
fsr-3513	148	29	financial	financial	ADJ
fsr-3513	148	30	management	management	NOUN
fsr-3513	148	31	behaviors	behavior	NOUN
fsr-3513	148	32	for	for	ADP
fsr-3513	148	33	african	african	ADJ
fsr-3513	148	34	americans	americans	PROPN
fsr-3513	148	35	compared	compare	VERB
fsr-3513	148	36	with	with	ADP
fsr-3513	148	37	european	european	PROPN
fsr-3513	148	38	americans	americans	PROPN
fsr-3513	148	39	.	.	PUNCT
fsr-3513	149	1	hypothesis	hypothesis	NOUN
fsr-3513	149	2	6	6	NUM
fsr-3513	149	3	.	.	PUNCT
fsr-3513	150	1	there	there	PRON
fsr-3513	150	2	is	be	VERB
fsr-3513	150	3	a	a	DET
fsr-3513	150	4	significant	significant	ADJ
fsr-3513	150	5	difference	difference	NOUN
fsr-3513	150	6	in	in	ADP
fsr-3513	150	7	the	the	DET
fsr-3513	150	8	relationship	relationship	NOUN
fsr-3513	150	9	between	between	ADP
fsr-3513	150	10	financial	financial	ADJ
fsr-3513	150	11	socialization	socialization	NOUN
fsr-3513	150	12	and	and	CCONJ
fsr-3513	150	13	well	well	ADV
fsr-3513	150	14	-	-	PUNCT
fsr-3513	150	15	being	be	AUX
fsr-3513	150	16	(	(	PUNCT
fsr-3513	150	17	financial	financial	ADJ
fsr-3513	150	18	and	and	CCONJ
fsr-3513	150	19	subjective	subjective	ADJ
fsr-3513	150	20	)	)	PUNCT
fsr-3513	150	21	,	,	PUNCT
fsr-3513	150	22	mediated	mediate	VERB
fsr-3513	150	23	by	by	ADP
fsr-3513	150	24	self	self	NOUN
fsr-3513	150	25	-	-	PUNCT
fsr-3513	150	26	control	control	NOUN
fsr-3513	150	27	indirectly	indirectly	ADV
fsr-3513	150	28	through	through	ADP
fsr-3513	150	29	financial	financial	ADJ
fsr-3513	150	30	skills	skill	NOUN
fsr-3513	150	31	on	on	ADP
fsr-3513	150	32	financial	financial	ADJ
fsr-3513	150	33	behaviors	behavior	NOUN
fsr-3513	150	34	for	for	ADP
fsr-3513	150	35	african	african	ADJ
fsr-3513	150	36	americans	americans	PROPN
fsr-3513	150	37	compared	compare	VERB
fsr-3513	150	38	with	with	ADP
fsr-3513	150	39	european	european	PROPN
fsr-3513	150	40	americans	americans	PROPN
fsr-3513	150	41	.	.	PUNCT
fsr-3513	151	1	young	young	ADJ
fsr-3513	151	2	et	et	PROPN
fsr-3513	151	3	al	al	PROPN
fsr-3513	151	4	.	.	PROPN
fsr-3513	152	1	59	59	NUM
fsr-3513	152	2	figure	figure	NOUN
fsr-3513	152	3	1	1	NUM
fsr-3513	152	4	.	.	PUNCT
fsr-3513	152	5	conceptual	conceptual	ADJ
fsr-3513	152	6	framework	framework	NOUN
fsr-3513	152	7	and	and	CCONJ
fsr-3513	152	8	hypotheses	hypothesis	NOUN
fsr-3513	152	9	note	note	VERB
fsr-3513	152	10	:	:	PUNCT
fsr-3513	152	11	finsoc	finsoc	NOUN
fsr-3513	152	12	=	=	SYM
fsr-3513	152	13	financial	financial	ADJ
fsr-3513	152	14	socialization	socialization	NOUN
fsr-3513	152	15	,	,	PUNCT
fsr-3513	152	16	knowl	knowl	NOUN
fsr-3513	152	17	=	=	SYM
fsr-3513	152	18	financial	financial	ADJ
fsr-3513	152	19	knowledge	knowledge	NOUN
fsr-3513	152	20	,	,	PUNCT
fsr-3513	152	21	fingoal	fingoal	NOUN
fsr-3513	152	22	=	=	SYM
fsr-3513	152	23	financial	financial	ADJ
fsr-3513	152	24	goal	goal	NOUN
fsr-3513	152	25	-	-	PUNCT
fsr-3513	152	26	setting	setting	NOUN
fsr-3513	152	27	,	,	PUNCT
fsr-3513	152	28	selfcont	selfcont	NOUN
fsr-3513	152	29	=	=	SYM
fsr-3513	152	30	financial	financial	ADJ
fsr-3513	152	31	self	self	NOUN
fsr-3513	152	32	-	-	PUNCT
fsr-3513	152	33	control	control	NOUN
fsr-3513	152	34	,	,	PUNCT
fsr-3513	152	35	skill	skill	NOUN
fsr-3513	152	36	=	=	SYM
fsr-3513	152	37	financial	financial	ADJ
fsr-3513	152	38	skills	skill	NOUN
fsr-3513	152	39	,	,	PUNCT
fsr-3513	152	40	mgmt	mgmt	NOUN
fsr-3513	152	41	=	=	SYM
fsr-3513	152	42	financial	financial	ADJ
fsr-3513	152	43	management	management	NOUN
fsr-3513	152	44	behavior	behavior	NOUN
fsr-3513	152	45	,	,	PUNCT
fsr-3513	152	46	fwb	fwb	PROPN
fsr-3513	153	1	=	=	PUNCT
fsr-3513	153	2	financial	financial	ADJ
fsr-3513	153	3	well	well	ADV
fsr-3513	153	4	-	-	PUNCT
fsr-3513	153	5	being	being	NOUN
fsr-3513	153	6	,	,	PUNCT
fsr-3513	153	7	swb	swb	PROPN
fsr-3513	153	8	=	=	PUNCT
fsr-3513	153	9	subjective	subjective	ADJ
fsr-3513	153	10	well	well	ADV
fsr-3513	153	11	-	-	PUNCT
fsr-3513	153	12	being	being	NOUN
fsr-3513	153	13	.	.	PUNCT
fsr-3513	154	1	methodology	methodology	NOUN
fsr-3513	154	2	data	datum	NOUN
fsr-3513	154	3	analysis	analysis	NOUN
fsr-3513	154	4	this	this	DET
fsr-3513	154	5	study	study	NOUN
fsr-3513	154	6	used	use	VERB
fsr-3513	154	7	partial	partial	ADJ
fsr-3513	154	8	least	least	ADJ
fsr-3513	154	9	squares	square	NOUN
fsr-3513	154	10	(	(	PUNCT
fsr-3513	154	11	pls	pls	INTJ
fsr-3513	154	12	)	)	PUNCT
fsr-3513	154	13	path	path	NOUN
fsr-3513	154	14	modeling	modeling	NOUN
fsr-3513	154	15	,	,	PUNCT
fsr-3513	154	16	a	a	DET
fsr-3513	154	17	variance	variance	NOUN
fsr-3513	154	18	-	-	PUNCT
fsr-3513	154	19	based	base	VERB
fsr-3513	154	20	structural	structural	ADJ
fsr-3513	154	21	equation	equation	NOUN
fsr-3513	154	22	modeling	modeling	NOUN
fsr-3513	154	23	(	(	PUNCT
fsr-3513	154	24	sem	sem	NOUN
fsr-3513	154	25	)	)	PUNCT
fsr-3513	154	26	method	method	NOUN
fsr-3513	154	27	,	,	PUNCT
fsr-3513	154	28	to	to	PART
fsr-3513	154	29	examine	examine	VERB
fsr-3513	154	30	the	the	DET
fsr-3513	154	31	research	research	NOUN
fsr-3513	154	32	model	model	NOUN
fsr-3513	154	33	empirically	empirically	ADV
fsr-3513	154	34	(	(	PUNCT
fsr-3513	154	35	albort	albort	NOUN
fsr-3513	154	36	-	-	PUNCT
fsr-3513	154	37	morant	morant	NOUN
fsr-3513	154	38	et	et	PROPN
fsr-3513	154	39	al	al	PROPN
fsr-3513	154	40	.	.	PROPN
fsr-3513	154	41	,	,	PUNCT
fsr-3513	154	42	2018	2018	NUM
fsr-3513	154	43	)	)	PUNCT
fsr-3513	154	44	.	.	PUNCT
fsr-3513	155	1	this	this	DET
fsr-3513	155	2	methodology	methodology	NOUN
fsr-3513	155	3	tests	test	VERB
fsr-3513	155	4	and	and	CCONJ
fsr-3513	155	5	estimates	estimate	VERB
fsr-3513	155	6	causal	causal	ADJ
fsr-3513	155	7	relations	relation	NOUN
fsr-3513	155	8	between	between	ADP
fsr-3513	155	9	latent	latent	NOUN
fsr-3513	155	10	or	or	CCONJ
fsr-3513	155	11	unobserved	unobserved	ADJ
fsr-3513	155	12	variables	variable	NOUN
fsr-3513	155	13	using	use	VERB
fsr-3513	155	14	a	a	DET
fsr-3513	155	15	combination	combination	NOUN
fsr-3513	155	16	of	of	ADP
fsr-3513	155	17	data	datum	NOUN
fsr-3513	155	18	measured	measure	VERB
fsr-3513	155	19	through	through	ADP
fsr-3513	155	20	observed	observed	ADJ
fsr-3513	155	21	items	item	NOUN
fsr-3513	155	22	or	or	CCONJ
fsr-3513	155	23	variables	variable	NOUN
fsr-3513	155	24	.	.	PUNCT
fsr-3513	156	1	pls	pls	INTJ
fsr-3513	156	2	–	–	PUNCT
fsr-3513	156	3	sem	sem	PROPN
fsr-3513	156	4	includes	include	VERB
fsr-3513	156	5	the	the	DET
fsr-3513	156	6	following	follow	VERB
fsr-3513	156	7	multistage	multistage	NOUN
fsr-3513	156	8	analyses	analysis	NOUN
fsr-3513	156	9	.	.	PUNCT
fsr-3513	157	1	first	first	ADV
fsr-3513	157	2	,	,	PUNCT
fsr-3513	157	3	measurement	measurement	NOUN
fsr-3513	157	4	model	model	NOUN
fsr-3513	157	5	evaluation	evaluation	NOUN
fsr-3513	157	6	and	and	CCONJ
fsr-3513	157	7	second	second	ADJ
fsr-3513	157	8	,	,	PUNCT
fsr-3513	157	9	structural	structural	ADJ
fsr-3513	157	10	model	model	NOUN
fsr-3513	157	11	evaluation	evaluation	NOUN
fsr-3513	157	12	(	(	PUNCT
fsr-3513	157	13	ringle	ringle	NOUN
fsr-3513	157	14	et	et	PROPN
fsr-3513	157	15	al	al	PROPN
fsr-3513	157	16	.	.	PROPN
fsr-3513	157	17	,	,	PUNCT
fsr-3513	157	18	2018	2018	NUM
fsr-3513	157	19	;	;	PUNCT
fsr-3513	157	20	wong	wong	PROPN
fsr-3513	157	21	,	,	PUNCT
fsr-3513	157	22	2013	2013	NUM
fsr-3513	157	23	)	)	PUNCT
fsr-3513	157	24	.	.	PUNCT
fsr-3513	158	1	the	the	DET
fsr-3513	158	2	measurement	measurement	NOUN
fsr-3513	158	3	model	model	NOUN
fsr-3513	158	4	requirement	requirement	NOUN
fsr-3513	158	5	guarantees	guarantee	VERB
fsr-3513	158	6	that	that	SCONJ
fsr-3513	158	7	the	the	DET
fsr-3513	158	8	structural	structural	ADJ
fsr-3513	158	9	model	model	NOUN
fsr-3513	158	10	will	will	AUX
fsr-3513	158	11	use	use	VERB
fsr-3513	158	12	only	only	ADV
fsr-3513	158	13	the	the	DET
fsr-3513	158	14	constructs	construct	NOUN
fsr-3513	158	15	with	with	ADP
fsr-3513	158	16	reasonable	reasonable	ADJ
fsr-3513	158	17	indicator	indicator	NOUN
fsr-3513	158	18	loadings	loading	NOUN
fsr-3513	158	19	,	,	PUNCT
fsr-3513	158	20	convergent	convergent	NOUN
fsr-3513	158	21	validity	validity	NOUN
fsr-3513	158	22	,	,	PUNCT
fsr-3513	158	23	composite	composite	ADJ
fsr-3513	158	24	reliability	reliability	NOUN
fsr-3513	158	25	(	(	PUNCT
fsr-3513	158	26	cr	cr	NOUN
fsr-3513	158	27	)	)	PUNCT
fsr-3513	158	28	,	,	PUNCT
fsr-3513	158	29	and	and	CCONJ
fsr-3513	158	30	discriminant	discriminant	ADJ
fsr-3513	158	31	validity	validity	NOUN
fsr-3513	158	32	.	.	PUNCT
fsr-3513	159	1	structural	structural	ADJ
fsr-3513	159	2	model	model	NOUN
fsr-3513	159	3	knowledge	knowledge	NOUN
fsr-3513	159	4	evaluation	evaluation	NOUN
fsr-3513	159	5	is	be	AUX
fsr-3513	159	6	meant	mean	VERB
fsr-3513	159	7	to	to	PART
fsr-3513	159	8	evaluate	evaluate	VERB
fsr-3513	159	9	path	path	NOUN
fsr-3513	159	10	coefficients	coefficient	NOUN
fsr-3513	159	11	and	and	CCONJ
fsr-3513	159	12	test	test	VERB
fsr-3513	159	13	their	their	PRON
fsr-3513	159	14	magnitude	magnitude	NOUN
fsr-3513	159	15	through	through	ADP
fsr-3513	159	16	management	management	NOUN
fsr-3513	159	17	in	in	ADP
fsr-3513	159	18	the	the	DET
fsr-3513	159	19	bootstrapping	bootstrappe	VERB
fsr-3513	159	20	method	method	NOUN
fsr-3513	159	21	.	.	PUNCT
fsr-3513	160	1	additionally	additionally	ADV
fsr-3513	160	2	,	,	PUNCT
fsr-3513	160	3	pls	pls	PRON
fsr-3513	160	4	can	can	AUX
fsr-3513	160	5	readily	readily	ADV
fsr-3513	160	6	operate	operate	VERB
fsr-3513	160	7	with	with	ADP
fsr-3513	160	8	formative	formative	ADJ
fsr-3513	160	9	variables	variable	NOUN
fsr-3513	160	10	(	(	PUNCT
fsr-3513	160	11	chin	chin	NOUN
fsr-3513	160	12	et	et	PROPN
fsr-3513	160	13	al	al	PROPN
fsr-3513	160	14	.	.	PROPN
fsr-3513	160	15	,	,	PUNCT
fsr-3513	160	16	2003	2003	NUM
fsr-3513	160	17	)	)	PUNCT
fsr-3513	160	18	.	.	PUNCT
fsr-3513	161	1	this	this	DET
fsr-3513	161	2	study	study	NOUN
fsr-3513	161	3	used	use	VERB
fsr-3513	161	4	the	the	DET
fsr-3513	161	5	smart	smart	ADJ
fsr-3513	161	6	pls	pls	NOUN
fsr-3513	161	7	4.0.9.5	4.0.9.5	NUM
fsr-3513	161	8	software	software	NOUN
fsr-3513	161	9	suite	suite	NOUN
fsr-3513	161	10	(	(	PUNCT
fsr-3513	161	11	ringle	ringle	PROPN
fsr-3513	161	12	et	et	PROPN
fsr-3513	161	13	al	al	PROPN
fsr-3513	161	14	.	.	PROPN
fsr-3513	161	15	,	,	PUNCT
fsr-3513	161	16	2015	2015	NUM
fsr-3513	161	17	)	)	PUNCT
fsr-3513	161	18	to	to	PART
fsr-3513	161	19	estimate	estimate	VERB
fsr-3513	161	20	the	the	DET
fsr-3513	161	21	pls	pls	PROPN
fsr-3513	161	22	-	-	PUNCT
fsr-3513	161	23	sem	sem	PROPN
fsr-3513	161	24	model	model	NOUN
fsr-3513	161	25	.	.	PUNCT
fsr-3513	162	1	data	datum	NOUN
fsr-3513	162	2	this	this	DET
fsr-3513	162	3	study	study	NOUN
fsr-3513	162	4	used	use	VERB
fsr-3513	162	5	data	datum	NOUN
fsr-3513	162	6	from	from	ADP
fsr-3513	162	7	the	the	DET
fsr-3513	162	8	2016	2016	NUM
fsr-3513	162	9	national	national	ADJ
fsr-3513	162	10	financial	financial	ADJ
fsr-3513	162	11	well	well	ADV
fsr-3513	162	12	-	-	PUNCT
fsr-3513	162	13	being	be	AUX
fsr-3513	162	14	survey	survey	NOUN
fsr-3513	162	15	(	(	PUNCT
fsr-3513	162	16	nfwbs	nfwbs	PROPN
fsr-3513	162	17	)	)	PUNCT
fsr-3513	162	18	,	,	PUNCT
fsr-3513	162	19	which	which	PRON
fsr-3513	162	20	was	be	AUX
fsr-3513	162	21	designed	design	VERB
fsr-3513	162	22	and	and	CCONJ
fsr-3513	162	23	administered	administer	VERB
fsr-3513	162	24	by	by	ADP
fsr-3513	162	25	the	the	DET
fsr-3513	162	26	consumer	consumer	NOUN
fsr-3513	162	27	financial	financial	PROPN
fsr-3513	162	28	protection	protection	PROPN
fsr-3513	162	29	bureau	bureau	PROPN
fsr-3513	162	30	(	(	PUNCT
fsr-3513	162	31	cfpb	cfpb	NOUN
fsr-3513	162	32	)	)	PUNCT
fsr-3513	162	33	.	.	PUNCT
fsr-3513	163	1	the	the	DET
fsr-3513	163	2	data	datum	NOUN
fsr-3513	163	3	comprised	comprise	VERB
fsr-3513	163	4	respondents	respondent	NOUN
fsr-3513	163	5	’	'	PUNCT
fsr-3513	163	6	financial	financial	ADJ
fsr-3513	163	7	attitudes	attitude	NOUN
fsr-3513	163	8	,	,	PUNCT
fsr-3513	163	9	skills	skill	NOUN
fsr-3513	163	10	,	,	PUNCT
fsr-3513	163	11	knowledge	knowledge	NOUN
fsr-3513	163	12	,	,	PUNCT
fsr-3513	163	13	experiences	experience	NOUN
fsr-3513	163	14	,	,	PUNCT
fsr-3513	163	15	behaviors	behavior	NOUN
fsr-3513	163	16	,	,	PUNCT
fsr-3513	163	17	individual	individual	ADJ
fsr-3513	163	18	characteristics	characteristic	NOUN
fsr-3513	163	19	,	,	PUNCT
fsr-3513	163	20	and	and	CCONJ
fsr-3513	163	21	household	household	NOUN
fsr-3513	163	22	and	and	CCONJ
fsr-3513	163	23	family	family	NOUN
fsr-3513	163	24	financial	financial	ADJ
fsr-3513	163	25	status	status	NOUN
fsr-3513	163	26	hypothesized	hypothesize	VERB
fsr-3513	163	27	to	to	PART
fsr-3513	163	28	affect	affect	VERB
fsr-3513	163	29	financial	financial	ADJ
fsr-3513	163	30	well	well	NOUN
fsr-3513	163	31	-	-	PUNCT
fsr-3513	163	32	being	being	NOUN
fsr-3513	163	33	.	.	PUNCT
fsr-3513	164	1	the	the	DET
fsr-3513	164	2	nfwbs	nfwbs	ADJ
fsr-3513	164	3	sample	sample	NOUN
fsr-3513	164	4	represents	represent	VERB
fsr-3513	164	5	the	the	DET
fsr-3513	164	6	noninstitutionalized	noninstitutionalized	ADJ
fsr-3513	164	7	adult	adult	NOUN
fsr-3513	164	8	population	population	NOUN
fsr-3513	164	9	in	in	ADP
fsr-3513	164	10	the	the	DET
fsr-3513	164	11	united	united	PROPN
fsr-3513	164	12	states	states	PROPN
fsr-3513	164	13	through	through	ADP
fsr-3513	164	14	multiple	multiple	ADJ
fsr-3513	164	15	steps	step	NOUN
fsr-3513	164	16	of	of	ADP
fsr-3513	164	17	the	the	DET
fsr-3513	164	18	design	design	NOUN
fsr-3513	164	19	process	process	NOUN
fsr-3513	164	20	.	.	PUNCT
fsr-3513	165	1	initially	initially	ADV
fsr-3513	165	2	,	,	PUNCT
fsr-3513	165	3	to	to	PART
fsr-3513	165	4	represent	represent	VERB
fsr-3513	165	5	the	the	DET
fsr-3513	165	6	u.s	u.s	PROPN
fsr-3513	165	7	.	.	PROPN
fsr-3513	165	8	population	population	NOUN
fsr-3513	165	9	proportionally	proportionally	ADV
fsr-3513	165	10	,	,	PUNCT
fsr-3513	165	11	the	the	DET
fsr-3513	165	12	nfwbs	nfwbs	ADJ
fsr-3513	165	13	survey	survey	NOUN
fsr-3513	165	14	targeted	target	VERB
fsr-3513	165	15	5,000	5,000	NUM
fsr-3513	165	16	adults	adult	NOUN
fsr-3513	165	17	.	.	PUNCT
fsr-3513	166	1	the	the	DET
fsr-3513	166	2	2016	2016	NUM
fsr-3513	166	3	annual	annual	ADJ
fsr-3513	166	4	socioeconomic	socioeconomic	ADJ
fsr-3513	166	5	supplement	supplement	NOUN
fsr-3513	166	6	of	of	ADP
fsr-3513	166	7	the	the	DET
fsr-3513	166	8	current	current	ADJ
fsr-3513	166	9	population	population	NOUN
fsr-3513	166	10	survey	survey	NOUN
fsr-3513	166	11	(	(	PUNCT
fsr-3513	166	12	cps	cps	PROPN
fsr-3513	166	13	)	)	PUNCT
fsr-3513	166	14	was	be	AUX
fsr-3513	166	15	used	use	VERB
fsr-3513	166	16	to	to	PART
fsr-3513	166	17	compare	compare	VERB
fsr-3513	166	18	the	the	DET
fsr-3513	166	19	proportions	proportion	NOUN
fsr-3513	166	20	.	.	PUNCT
fsr-3513	167	1	finally	finally	ADV
fsr-3513	167	2	,	,	PUNCT
fsr-3513	167	3	to	to	PART
fsr-3513	167	4	offset	offset	VERB
fsr-3513	167	5	the	the	DET
fsr-3513	167	6	lower	low	ADJ
fsr-3513	167	7	response	response	NOUN
fsr-3513	167	8	rates	rate	NOUN
fsr-3513	167	9	for	for	ADP
fsr-3513	167	10	crucial	crucial	ADJ
fsr-3513	167	11	population	population	NOUN
fsr-3513	167	12	segments	segment	NOUN
fsr-3513	167	13	,	,	PUNCT
fsr-3513	167	14	the	the	DET
fsr-3513	167	15	survey	survey	NOUN
fsr-3513	167	16	oversampled	oversample	VERB
fsr-3513	167	17	those	those	PRON
fsr-3513	167	18	below	below	ADP
fsr-3513	167	19	200	200	NUM
fsr-3513	167	20	%	%	NOUN
fsr-3513	167	21	of	of	ADP
fsr-3513	167	22	the	the	DET
fsr-3513	167	23	federal	federal	ADJ
fsr-3513	167	24	financial	financial	PROPN
fsr-3513	167	25	services	service	NOUN
fsr-3513	167	26	review	review	PROPN
fsr-3513	167	27	,	,	PUNCT
fsr-3513	167	28	32(2	32(2	NUM
fsr-3513	167	29	)	)	PUNCT
fsr-3513	167	30	60	60	NUM
fsr-3513	167	31	poverty	poverty	NOUN
fsr-3513	167	32	level	level	NOUN
fsr-3513	167	33	,	,	PUNCT
fsr-3513	167	34	those	those	PRON
fsr-3513	167	35	aged	aged	ADJ
fsr-3513	167	36	62	62	NUM
fsr-3513	167	37	and	and	CCONJ
fsr-3513	167	38	older	old	ADJ
fsr-3513	167	39	,	,	PUNCT
fsr-3513	167	40	and	and	CCONJ
fsr-3513	167	41	african	african	ADJ
fsr-3513	167	42	americans	americans	PROPN
fsr-3513	167	43	,	,	PUNCT
fsr-3513	167	44	non	non	ADJ
fsr-3513	167	45	-	-	NOUN
fsr-3513	167	46	hispanics	hispanic	NOUN
fsr-3513	167	47	,	,	PUNCT
fsr-3513	167	48	or	or	CCONJ
fsr-3513	167	49	hispanic	hispanic	ADJ
fsr-3513	167	50	americans	americans	PROPN
fsr-3513	167	51	(	(	PUNCT
fsr-3513	167	52	cfpb	cfpb	NOUN
fsr-3513	167	53	,	,	PUNCT
fsr-3513	167	54	2015a	2015a	NUM
fsr-3513	167	55	)	)	PUNCT
fsr-3513	167	56	.	.	PUNCT
fsr-3513	168	1	consequently	consequently	ADV
fsr-3513	168	2	,	,	PUNCT
fsr-3513	168	3	the	the	DET
fsr-3513	168	4	total	total	ADJ
fsr-3513	168	5	number	number	NOUN
fsr-3513	168	6	of	of	ADP
fsr-3513	168	7	respondents	respondent	NOUN
fsr-3513	168	8	who	who	PRON
fsr-3513	168	9	completed	complete	VERB
fsr-3513	168	10	the	the	DET
fsr-3513	168	11	survey	survey	NOUN
fsr-3513	168	12	was	be	AUX
fsr-3513	168	13	6,394	6,394	NUM
fsr-3513	168	14	.	.	PUNCT
fsr-3513	169	1	the	the	DET
fsr-3513	169	2	current	current	ADJ
fsr-3513	169	3	study	study	NOUN
fsr-3513	169	4	follows	follow	VERB
fsr-3513	169	5	the	the	DET
fsr-3513	169	6	cfpb	cfpb	NOUN
fsr-3513	169	7	recommendation	recommendation	NOUN
fsr-3513	169	8	of	of	ADP
fsr-3513	169	9	using	use	VERB
fsr-3513	169	10	weights	weight	NOUN
fsr-3513	169	11	to	to	PART
fsr-3513	169	12	adjust	adjust	VERB
fsr-3513	169	13	for	for	ADP
fsr-3513	169	14	oversampling	oversample	VERB
fsr-3513	169	15	issues	issue	NOUN
fsr-3513	169	16	so	so	SCONJ
fsr-3513	169	17	that	that	SCONJ
fsr-3513	169	18	the	the	DET
fsr-3513	169	19	results	result	NOUN
fsr-3513	169	20	represent	represent	VERB
fsr-3513	169	21	the	the	DET
fsr-3513	169	22	total	total	ADJ
fsr-3513	169	23	population	population	NOUN
fsr-3513	169	24	.	.	PUNCT
fsr-3513	170	1	in	in	ADP
fsr-3513	170	2	the	the	DET
fsr-3513	170	3	sample	sample	NOUN
fsr-3513	170	4	,	,	PUNCT
fsr-3513	170	5	we	we	PRON
fsr-3513	170	6	used	use	VERB
fsr-3513	170	7	self	self	NOUN
fsr-3513	170	8	-	-	PUNCT
fsr-3513	170	9	identified	identify	VERB
fsr-3513	170	10	african	african	ADJ
fsr-3513	170	11	american	american	ADJ
fsr-3513	170	12	and	and	CCONJ
fsr-3513	170	13	european	european	PROPN
fsr-3513	170	14	american	american	ADJ
fsr-3513	170	15	respondents	respondent	NOUN
fsr-3513	170	16	.	.	PUNCT
fsr-3513	171	1	a	a	DET
fsr-3513	171	2	final	final	ADJ
fsr-3513	171	3	dataset	dataset	NOUN
fsr-3513	171	4	of	of	ADP
fsr-3513	171	5	4,872	4,872	NUM
fsr-3513	171	6	participants	participant	NOUN
fsr-3513	171	7	was	be	AUX
fsr-3513	171	8	used	use	VERB
fsr-3513	171	9	in	in	ADP
fsr-3513	171	10	this	this	DET
fsr-3513	171	11	study	study	NOUN
fsr-3513	171	12	.	.	PUNCT
fsr-3513	172	1	sample	sample	NOUN
fsr-3513	172	2	weights	weight	NOUN
fsr-3513	172	3	were	be	AUX
fsr-3513	172	4	applied	apply	VERB
fsr-3513	172	5	in	in	ADP
fsr-3513	172	6	the	the	DET
fsr-3513	172	7	analysis	analysis	NOUN
fsr-3513	172	8	.	.	PUNCT
fsr-3513	173	1	variables	variable	NOUN
fsr-3513	173	2	financial	financial	ADJ
fsr-3513	173	3	and	and	CCONJ
fsr-3513	173	4	subjective	subjective	ADJ
fsr-3513	173	5	well	well	ADV
fsr-3513	173	6	-	-	PUNCT
fsr-3513	173	7	being	being	NOUN
fsr-3513	173	8	variables	variable	NOUN
fsr-3513	173	9	.	.	PUNCT
fsr-3513	174	1	the	the	DET
fsr-3513	174	2	primary	primary	ADJ
fsr-3513	174	3	outcome	outcome	NOUN
fsr-3513	174	4	variable	variable	NOUN
fsr-3513	174	5	in	in	ADP
fsr-3513	174	6	this	this	DET
fsr-3513	174	7	study	study	NOUN
fsr-3513	174	8	was	be	AUX
fsr-3513	174	9	subjective	subjective	ADJ
fsr-3513	174	10	well	well	ADV
fsr-3513	174	11	-	-	PUNCT
fsr-3513	174	12	being	being	NOUN
fsr-3513	174	13	which	which	PRON
fsr-3513	174	14	was	be	AUX
fsr-3513	174	15	created	create	VERB
fsr-3513	174	16	as	as	ADP
fsr-3513	174	17	a	a	DET
fsr-3513	174	18	latent	latent	NOUN
fsr-3513	174	19	construct	construct	NOUN
fsr-3513	174	20	comprising	comprise	VERB
fsr-3513	174	21	three	three	NUM
fsr-3513	174	22	observed	observed	ADJ
fsr-3513	174	23	variables	variable	NOUN
fsr-3513	174	24	that	that	PRON
fsr-3513	174	25	measured	measure	VERB
fsr-3513	174	26	respondents	respondent	NOUN
fsr-3513	174	27	’	'	PUNCT
fsr-3513	174	28	levels	level	NOUN
fsr-3513	174	29	of	of	ADP
fsr-3513	174	30	subjective	subjective	ADJ
fsr-3513	174	31	well	well	ADV
fsr-3513	174	32	-	-	PUNCT
fsr-3513	174	33	being	being	NOUN
fsr-3513	174	34	(	(	PUNCT
fsr-3513	174	35	cfpb	cfpb	NOUN
fsr-3513	174	36	,	,	PUNCT
fsr-3513	174	37	2015a	2015a	NUM
fsr-3513	174	38	)	)	PUNCT
fsr-3513	174	39	.	.	PUNCT
fsr-3513	175	1	the	the	DET
fsr-3513	175	2	items	item	NOUN
fsr-3513	175	3	included	include	VERB
fsr-3513	175	4	were	be	AUX
fsr-3513	175	5	,	,	PUNCT
fsr-3513	175	6	“	"	PUNCT
fsr-3513	175	7	i	i	PRON
fsr-3513	175	8	am	be	AUX
fsr-3513	175	9	satisfied	satisfied	ADJ
fsr-3513	175	10	with	with	ADP
fsr-3513	175	11	my	my	PRON
fsr-3513	175	12	life	life	NOUN
fsr-3513	175	13	,	,	PUNCT
fsr-3513	175	14	”	"	PUNCT
fsr-3513	175	15	“	"	PUNCT
fsr-3513	175	16	i	i	PRON
fsr-3513	175	17	am	be	AUX
fsr-3513	175	18	optimistic	optimistic	ADJ
fsr-3513	175	19	about	about	ADP
fsr-3513	175	20	my	my	PRON
fsr-3513	175	21	future	future	NOUN
fsr-3513	175	22	,	,	PUNCT
fsr-3513	175	23	”	"	PUNCT
fsr-3513	175	24	and	and	CCONJ
fsr-3513	175	25	“	"	PUNCT
fsr-3513	175	26	if	if	SCONJ
fsr-3513	175	27	i	i	PRON
fsr-3513	175	28	work	work	VERB
fsr-3513	175	29	hard	hard	ADV
fsr-3513	175	30	today	today	NOUN
fsr-3513	175	31	,	,	PUNCT
fsr-3513	175	32	i	i	PRON
fsr-3513	175	33	will	will	AUX
fsr-3513	175	34	be	be	AUX
fsr-3513	175	35	more	more	ADV
fsr-3513	175	36	successful	successful	ADJ
fsr-3513	175	37	in	in	ADP
fsr-3513	175	38	the	the	DET
fsr-3513	175	39	future	future	NOUN
fsr-3513	175	40	.	.	PUNCT
fsr-3513	175	41	”	"	PUNCT
fsr-3513	176	1	the	the	DET
fsr-3513	176	2	answers	answer	NOUN
fsr-3513	176	3	for	for	ADP
fsr-3513	176	4	each	each	DET
fsr-3513	176	5	item	item	NOUN
fsr-3513	176	6	were	be	AUX
fsr-3513	176	7	coded	code	VERB
fsr-3513	176	8	using	use	VERB
fsr-3513	176	9	a	a	DET
fsr-3513	176	10	7	7	NUM
fsr-3513	176	11	-	-	PUNCT
fsr-3513	176	12	point	point	NOUN
fsr-3513	176	13	likert	likert	ADJ
fsr-3513	176	14	scale	scale	NOUN
fsr-3513	176	15	ranging	range	VERB
fsr-3513	176	16	from	from	ADP
fsr-3513	176	17	1	1	NUM
fsr-3513	176	18	=	=	SYM
fsr-3513	176	19	strongly	strongly	ADV
fsr-3513	176	20	disagree	disagree	VERB
fsr-3513	176	21	to	to	ADP
fsr-3513	176	22	7	7	NUM
fsr-3513	176	23	=	=	SYM
fsr-3513	176	24	strongly	strongly	ADV
fsr-3513	176	25	agree	agree	VERB
fsr-3513	176	26	.	.	PUNCT
fsr-3513	177	1	financial	financial	ADJ
fsr-3513	177	2	well	well	ADV
fsr-3513	177	3	-	-	PUNCT
fsr-3513	177	4	being	being	NOUN
fsr-3513	177	5	was	be	AUX
fsr-3513	177	6	constructed	construct	VERB
fsr-3513	177	7	as	as	ADP
fsr-3513	177	8	a	a	DET
fsr-3513	177	9	latent	latent	NOUN
fsr-3513	177	10	variable	variable	NOUN
fsr-3513	177	11	composed	compose	VERB
fsr-3513	177	12	of	of	ADP
fsr-3513	177	13	10	10	NUM
fsr-3513	177	14	indicators	indicator	NOUN
fsr-3513	177	15	.	.	PUNCT
fsr-3513	178	1	each	each	PRON
fsr-3513	178	2	of	of	ADP
fsr-3513	178	3	the	the	DET
fsr-3513	178	4	10	10	NUM
fsr-3513	178	5	items	item	NOUN
fsr-3513	178	6	was	be	AUX
fsr-3513	178	7	on	on	ADP
fsr-3513	178	8	a	a	DET
fsr-3513	178	9	likert	likert	ADJ
fsr-3513	178	10	agreement	agreement	NOUN
fsr-3513	178	11	scale	scale	NOUN
fsr-3513	178	12	of	of	ADP
fsr-3513	178	13	1–5	1–5	NUM
fsr-3513	178	14	,	,	PUNCT
fsr-3513	178	15	with	with	SCONJ
fsr-3513	178	16	some	some	DET
fsr-3513	178	17	items	item	NOUN
fsr-3513	178	18	reverse	reverse	VERB
fsr-3513	178	19	-	-	PUNCT
fsr-3513	178	20	coded	code	VERB
fsr-3513	178	21	.	.	PUNCT
fsr-3513	179	1	the	the	DET
fsr-3513	179	2	items	item	NOUN
fsr-3513	179	3	were	be	AUX
fsr-3513	179	4	(	(	PUNCT
fsr-3513	179	5	a	a	X
fsr-3513	179	6	)	)	PUNCT
fsr-3513	179	7	“	"	PUNCT
fsr-3513	179	8	because	because	SCONJ
fsr-3513	179	9	of	of	ADP
fsr-3513	179	10	my	my	PRON
fsr-3513	179	11	money	money	NOUN
fsr-3513	179	12	situation	situation	NOUN
fsr-3513	179	13	,	,	PUNCT
fsr-3513	179	14	i	i	PRON
fsr-3513	179	15	feel	feel	VERB
fsr-3513	179	16	like	like	SCONJ
fsr-3513	179	17	i	i	PRON
fsr-3513	179	18	will	will	AUX
fsr-3513	179	19	never	never	ADV
fsr-3513	179	20	have	have	VERB
fsr-3513	179	21	the	the	DET
fsr-3513	179	22	things	thing	NOUN
fsr-3513	179	23	i	i	PRON
fsr-3513	179	24	want	want	VERB
fsr-3513	179	25	in	in	ADP
fsr-3513	179	26	life	life	NOUN
fsr-3513	179	27	;	;	PUNCT
fsr-3513	179	28	”	"	PUNCT
fsr-3513	179	29	(	(	PUNCT
fsr-3513	179	30	b	b	X
fsr-3513	179	31	)	)	PUNCT
fsr-3513	179	32	“	"	PUNCT
fsr-3513	179	33	i	i	PRON
fsr-3513	179	34	am	be	AUX
fsr-3513	179	35	just	just	ADV
fsr-3513	179	36	getting	get	VERB
fsr-3513	179	37	by	by	ADP
fsr-3513	179	38	financially	financially	ADV
fsr-3513	179	39	;	;	PUNCT
fsr-3513	179	40	”	"	PUNCT
fsr-3513	179	41	(	(	PUNCT
fsr-3513	179	42	c	c	X
fsr-3513	179	43	)	)	PUNCT
fsr-3513	179	44	“	"	PUNCT
fsr-3513	179	45	i	i	PRON
fsr-3513	179	46	am	be	AUX
fsr-3513	179	47	concerned	concerned	ADJ
fsr-3513	179	48	that	that	SCONJ
fsr-3513	179	49	the	the	DET
fsr-3513	179	50	money	money	NOUN
fsr-3513	179	51	i	i	PRON
fsr-3513	179	52	have	have	VERB
fsr-3513	179	53	or	or	CCONJ
fsr-3513	179	54	will	will	AUX
fsr-3513	179	55	save	save	VERB
fsr-3513	180	1	wo	will	AUX
fsr-3513	180	2	n’t	not	PART
fsr-3513	180	3	last	last	VERB
fsr-3513	180	4	;	;	PUNCT
fsr-3513	180	5	”	"	PUNCT
fsr-3513	180	6	(	(	PUNCT
fsr-3513	180	7	d	d	X
fsr-3513	180	8	)	)	PUNCT
fsr-3513	180	9	“	"	PUNCT
fsr-3513	180	10	giving	give	VERB
fsr-3513	180	11	a	a	DET
fsr-3513	180	12	gift	gift	NOUN
fsr-3513	180	13	for	for	ADP
fsr-3513	180	14	a	a	DET
fsr-3513	180	15	wedding	wedding	NOUN
fsr-3513	180	16	,	,	PUNCT
fsr-3513	180	17	birthday	birthday	NOUN
fsr-3513	180	18	,	,	PUNCT
fsr-3513	180	19	or	or	CCONJ
fsr-3513	180	20	other	other	ADJ
fsr-3513	180	21	occasion	occasion	NOUN
fsr-3513	180	22	would	would	AUX
fsr-3513	180	23	put	put	VERB
fsr-3513	180	24	a	a	DET
fsr-3513	180	25	strain	strain	NOUN
fsr-3513	180	26	on	on	ADP
fsr-3513	180	27	my	my	PRON
fsr-3513	180	28	finances	finance	NOUN
fsr-3513	180	29	for	for	ADP
fsr-3513	180	30	the	the	DET
fsr-3513	180	31	month	month	NOUN
fsr-3513	180	32	;	;	PUNCT
fsr-3513	180	33	”	"	PUNCT
fsr-3513	180	34	(	(	PUNCT
fsr-3513	180	35	e	e	NOUN
fsr-3513	180	36	)	)	PUNCT
fsr-3513	180	37	“	"	PUNCT
fsr-3513	180	38	i	i	PRON
fsr-3513	180	39	could	could	AUX
fsr-3513	180	40	handle	handle	VERB
fsr-3513	180	41	a	a	DET
fsr-3513	180	42	major	major	ADJ
fsr-3513	180	43	unexpected	unexpected	ADJ
fsr-3513	180	44	expense	expense	NOUN
fsr-3513	180	45	;	;	PUNCT
fsr-3513	180	46	”	"	PUNCT
fsr-3513	180	47	(	(	PUNCT
fsr-3513	180	48	f	f	X
fsr-3513	180	49	)	)	PUNCT
fsr-3513	180	50	“	"	PUNCT
fsr-3513	180	51	i	i	PRON
fsr-3513	180	52	am	be	AUX
fsr-3513	180	53	securing	secure	VERB
fsr-3513	180	54	my	my	PRON
fsr-3513	180	55	financial	financial	ADJ
fsr-3513	180	56	future	future	NOUN
fsr-3513	180	57	;	;	PUNCT
fsr-3513	180	58	”	"	PUNCT
fsr-3513	180	59	(	(	PUNCT
fsr-3513	180	60	g	g	NOUN
fsr-3513	180	61	)	)	PUNCT
fsr-3513	180	62	“	"	PUNCT
fsr-3513	180	63	i	i	PRON
fsr-3513	180	64	can	can	AUX
fsr-3513	180	65	enjoy	enjoy	VERB
fsr-3513	180	66	life	life	NOUN
fsr-3513	180	67	because	because	SCONJ
fsr-3513	180	68	of	of	ADP
fsr-3513	180	69	the	the	DET
fsr-3513	180	70	way	way	NOUN
fsr-3513	180	71	i	i	PRON
fsr-3513	180	72	’m	’m	AUX
fsr-3513	180	73	managing	manage	VERB
fsr-3513	180	74	my	my	PRON
fsr-3513	180	75	money	money	NOUN
fsr-3513	180	76	;	;	PUNCT
fsr-3513	180	77	”	"	PUNCT
fsr-3513	180	78	(	(	PUNCT
fsr-3513	180	79	h	h	NOUN
fsr-3513	180	80	)	)	PUNCT
fsr-3513	180	81	“	"	PUNCT
fsr-3513	180	82	i	i	PRON
fsr-3513	180	83	have	have	VERB
fsr-3513	180	84	money	money	NOUN
fsr-3513	180	85	left	leave	VERB
fsr-3513	180	86	over	over	ADP
fsr-3513	180	87	at	at	ADP
fsr-3513	180	88	the	the	DET
fsr-3513	180	89	end	end	NOUN
fsr-3513	180	90	of	of	ADP
fsr-3513	180	91	the	the	DET
fsr-3513	180	92	month	month	NOUN
fsr-3513	180	93	;	;	PUNCT
fsr-3513	180	94	”	"	PUNCT
fsr-3513	180	95	(	(	PUNCT
fsr-3513	180	96	i	i	NOUN
fsr-3513	180	97	)	)	PUNCT
fsr-3513	180	98	“	"	PUNCT
fsr-3513	180	99	i	i	PRON
fsr-3513	180	100	am	be	AUX
fsr-3513	180	101	behind	behind	ADV
fsr-3513	180	102	with	with	ADP
fsr-3513	180	103	my	my	PRON
fsr-3513	180	104	finances	finance	NOUN
fsr-3513	180	105	;	;	PUNCT
fsr-3513	180	106	”	"	PUNCT
fsr-3513	180	107	and	and	CCONJ
fsr-3513	180	108	(	(	PUNCT
fsr-3513	180	109	j	j	NOUN
fsr-3513	180	110	)	)	PUNCT
fsr-3513	180	111	“	"	PUNCT
fsr-3513	180	112	my	my	PRON
fsr-3513	180	113	finances	finance	NOUN
fsr-3513	180	114	control	control	VERB
fsr-3513	180	115	my	my	PRON
fsr-3513	180	116	life	life	NOUN
fsr-3513	180	117	.	.	PUNCT
fsr-3513	180	118	”	"	PUNCT
fsr-3513	181	1	financial	financial	ADJ
fsr-3513	181	2	socialization	socialization	NOUN
fsr-3513	181	3	,	,	PUNCT
fsr-3513	181	4	financial	financial	ADJ
fsr-3513	181	5	knowledge	knowledge	NOUN
fsr-3513	181	6	,	,	PUNCT
fsr-3513	181	7	financial	financial	ADJ
fsr-3513	181	8	goal	goal	NOUN
fsr-3513	181	9	-	-	PUNCT
fsr-3513	181	10	setting	setting	NOUN
fsr-3513	181	11	,	,	PUNCT
fsr-3513	181	12	financial	financial	ADJ
fsr-3513	181	13	self	self	NOUN
fsr-3513	181	14	-	-	PUNCT
fsr-3513	181	15	control	control	NOUN
fsr-3513	181	16	.	.	PUNCT
fsr-3513	182	1	financial	financial	ADJ
fsr-3513	182	2	socialization	socialization	NOUN
fsr-3513	182	3	was	be	AUX
fsr-3513	182	4	a	a	DET
fsr-3513	182	5	latent	latent	NOUN
fsr-3513	182	6	construct	construct	NOUN
fsr-3513	182	7	comprising	comprise	VERB
fsr-3513	182	8	five	five	NUM
fsr-3513	182	9	observed	observed	ADJ
fsr-3513	182	10	variables	variable	NOUN
fsr-3513	182	11	regarding	regard	VERB
fsr-3513	182	12	how	how	SCONJ
fsr-3513	182	13	respondents	respondent	NOUN
fsr-3513	182	14	were	be	AUX
fsr-3513	182	15	financially	financially	ADV
fsr-3513	182	16	socialized	socialize	VERB
fsr-3513	182	17	while	while	SCONJ
fsr-3513	182	18	growing	grow	VERB
fsr-3513	182	19	up	up	ADP
fsr-3513	182	20	(	(	PUNCT
fsr-3513	182	21	cfpb	cfpb	NOUN
fsr-3513	182	22	,	,	PUNCT
fsr-3513	182	23	2015a	2015a	NUM
fsr-3513	182	24	)	)	PUNCT
fsr-3513	182	25	.	.	PUNCT
fsr-3513	183	1	the	the	DET
fsr-3513	183	2	items	item	NOUN
fsr-3513	183	3	were	be	AUX
fsr-3513	183	4	,	,	PUNCT
fsr-3513	183	5	(	(	PUNCT
fsr-3513	183	6	a	a	X
fsr-3513	183	7	)	)	PUNCT
fsr-3513	183	8	“	"	PUNCT
fsr-3513	183	9	while	while	SCONJ
fsr-3513	183	10	growing	grow	VERB
fsr-3513	183	11	up	up	ADP
fsr-3513	183	12	at	at	ADP
fsr-3513	183	13	home	home	NOUN
fsr-3513	183	14	,	,	PUNCT
fsr-3513	183	15	did	do	AUX
fsr-3513	183	16	your	your	PRON
fsr-3513	183	17	family	family	NOUN
fsr-3513	183	18	do	do	VERB
fsr-3513	183	19	any	any	PRON
fsr-3513	183	20	of	of	ADP
fsr-3513	183	21	the	the	DET
fsr-3513	183	22	following	following	NOUN
fsr-3513	183	23	?	?	PUNCT
fsr-3513	183	24	”	"	PUNCT
fsr-3513	184	1	(	(	PUNCT
fsr-3513	184	2	b	b	X
fsr-3513	184	3	)	)	PUNCT
fsr-3513	184	4	“	"	PUNCT
fsr-3513	184	5	discussed	discuss	VERB
fsr-3513	184	6	family	family	NOUN
fsr-3513	184	7	financial	financial	ADJ
fsr-3513	184	8	matters	matter	NOUN
fsr-3513	184	9	with	with	ADP
fsr-3513	184	10	me	i	PRON
fsr-3513	184	11	,	,	PUNCT
fsr-3513	184	12	”	"	PUNCT
fsr-3513	184	13	(	(	PUNCT
fsr-3513	184	14	c	c	NOUN
fsr-3513	184	15	)	)	PUNCT
fsr-3513	184	16	“	"	PUNCT
fsr-3513	184	17	spoke	speak	VERB
fsr-3513	184	18	to	to	ADP
fsr-3513	184	19	me	i	PRON
fsr-3513	184	20	about	about	ADP
fsr-3513	184	21	the	the	DET
fsr-3513	184	22	importance	importance	NOUN
fsr-3513	184	23	of	of	ADP
fsr-3513	184	24	saving	saving	NOUN
fsr-3513	184	25	,	,	PUNCT
fsr-3513	184	26	”	"	PUNCT
fsr-3513	184	27	(	(	PUNCT
fsr-3513	184	28	d	d	X
fsr-3513	184	29	)	)	PUNCT
fsr-3513	184	30	“	"	PUNCT
fsr-3513	184	31	discussed	discuss	VERB
fsr-3513	184	32	how	how	SCONJ
fsr-3513	184	33	to	to	PART
fsr-3513	184	34	establish	establish	VERB
fsr-3513	184	35	a	a	DET
fsr-3513	184	36	good	good	ADJ
fsr-3513	184	37	credit	credit	NOUN
fsr-3513	184	38	rating	rating	NOUN
fsr-3513	184	39	,	,	PUNCT
fsr-3513	184	40	”	"	PUNCT
fsr-3513	184	41	(	(	PUNCT
fsr-3513	184	42	e	e	NOUN
fsr-3513	184	43	)	)	PUNCT
fsr-3513	184	44	“	"	PUNCT
fsr-3513	184	45	taught	teach	VERB
fsr-3513	184	46	me	i	PRON
fsr-3513	184	47	how	how	SCONJ
fsr-3513	184	48	to	to	PART
fsr-3513	184	49	be	be	AUX
fsr-3513	184	50	a	a	DET
fsr-3513	184	51	smart	smart	ADJ
fsr-3513	184	52	shopper	shopper	NOUN
fsr-3513	184	53	,	,	PUNCT
fsr-3513	184	54	”	"	PUNCT
fsr-3513	184	55	and	and	CCONJ
fsr-3513	184	56	(	(	PUNCT
fsr-3513	184	57	f	f	X
fsr-3513	184	58	)	)	PUNCT
fsr-3513	184	59	“	"	PUNCT
fsr-3513	184	60	taught	teach	VERB
fsr-3513	184	61	me	i	PRON
fsr-3513	184	62	that	that	SCONJ
fsr-3513	184	63	my	my	PRON
fsr-3513	184	64	actions	action	NOUN
fsr-3513	184	65	determine	determine	VERB
fsr-3513	184	66	my	my	PRON
fsr-3513	184	67	success	success	NOUN
fsr-3513	184	68	in	in	ADP
fsr-3513	184	69	life	life	NOUN
fsr-3513	184	70	.	.	PUNCT
fsr-3513	184	71	”	"	PUNCT
fsr-3513	185	1	the	the	DET
fsr-3513	185	2	answers	answer	NOUN
fsr-3513	185	3	to	to	ADP
fsr-3513	185	4	each	each	DET
fsr-3513	185	5	item	item	NOUN
fsr-3513	185	6	were	be	AUX
fsr-3513	185	7	coded	code	VERB
fsr-3513	185	8	as	as	ADP
fsr-3513	185	9	1	1	NUM
fsr-3513	185	10	if	if	SCONJ
fsr-3513	185	11	respondents	respondent	NOUN
fsr-3513	185	12	had	have	VERB
fsr-3513	185	13	such	such	DET
fsr-3513	185	14	an	an	DET
fsr-3513	185	15	experience	experience	NOUN
fsr-3513	185	16	and	and	CCONJ
fsr-3513	185	17	0	0	NUM
fsr-3513	185	18	otherwise	otherwise	ADV
fsr-3513	185	19	.	.	PUNCT
fsr-3513	186	1	financial	financial	ADJ
fsr-3513	186	2	knowledge	knowledge	NOUN
fsr-3513	186	3	was	be	AUX
fsr-3513	186	4	an	an	DET
fsr-3513	186	5	observed	observed	ADJ
fsr-3513	186	6	variable	variable	NOUN
fsr-3513	186	7	measured	measure	VERB
fsr-3513	186	8	by	by	ADP
fsr-3513	186	9	responses	response	NOUN
fsr-3513	186	10	to	to	ADP
fsr-3513	186	11	four	four	NUM
fsr-3513	186	12	items	item	NOUN
fsr-3513	186	13	using	use	VERB
fsr-3513	186	14	knoll	knoll	NOUN
fsr-3513	186	15	and	and	CCONJ
fsr-3513	186	16	houts	hout	NOUN
fsr-3513	186	17	’	'	PUNCT
fsr-3513	186	18	(	(	PUNCT
fsr-3513	186	19	2012	2012	NUM
fsr-3513	186	20	)	)	PUNCT
fsr-3513	186	21	financial	financial	ADJ
fsr-3513	186	22	knowledge	knowledge	NOUN
fsr-3513	186	23	questions	question	NOUN
fsr-3513	186	24	(	(	PUNCT
fsr-3513	186	25	cfpb	cfpb	NOUN
fsr-3513	186	26	,	,	PUNCT
fsr-3513	186	27	2015a	2015a	NUM
fsr-3513	186	28	)	)	PUNCT
fsr-3513	186	29	.	.	PUNCT
fsr-3513	187	1	the	the	DET
fsr-3513	187	2	items	item	NOUN
fsr-3513	187	3	were	be	AUX
fsr-3513	187	4	(	(	PUNCT
fsr-3513	187	5	a	a	X
fsr-3513	187	6	)	)	PUNCT
fsr-3513	187	7	“	"	PUNCT
fsr-3513	187	8	understanding	understanding	NOUN
fsr-3513	187	9	of	of	ADP
fsr-3513	187	10	long	long	ADJ
fsr-3513	187	11	-	-	PUNCT
fsr-3513	187	12	term	term	NOUN
fsr-3513	187	13	returns	return	NOUN
fsr-3513	187	14	on	on	ADP
fsr-3513	187	15	investment	investment	NOUN
fsr-3513	187	16	,	,	PUNCT
fsr-3513	187	17	”	"	PUNCT
fsr-3513	187	18	(	(	PUNCT
fsr-3513	187	19	b	b	NOUN
fsr-3513	187	20	)	)	PUNCT
fsr-3513	187	21	“	"	PUNCT
fsr-3513	187	22	understanding	understanding	NOUN
fsr-3513	187	23	of	of	ADP
fsr-3513	187	24	stocks	stock	NOUN
fsr-3513	187	25	vs.	vs.	ADP
fsr-3513	187	26	bond	bond	NOUN
fsr-3513	187	27	vs.	vs.	ADP
fsr-3513	187	28	savings	saving	NOUN
fsr-3513	187	29	volatility	volatility	NOUN
fsr-3513	187	30	,	,	PUNCT
fsr-3513	187	31	”	"	PUNCT
fsr-3513	187	32	(	(	PUNCT
fsr-3513	187	33	c	c	NOUN
fsr-3513	187	34	)	)	PUNCT
fsr-3513	187	35	“	"	PUNCT
fsr-3513	187	36	understanding	understanding	NOUN
fsr-3513	187	37	of	of	ADP
fsr-3513	187	38	the	the	DET
fsr-3513	187	39	possibility	possibility	NOUN
fsr-3513	187	40	of	of	ADP
fsr-3513	187	41	housing	housing	NOUN
fsr-3513	187	42	market	market	NOUN
fsr-3513	187	43	losses	loss	NOUN
fsr-3513	187	44	,	,	PUNCT
fsr-3513	187	45	”	"	PUNCT
fsr-3513	187	46	and	and	CCONJ
fsr-3513	187	47	(	(	PUNCT
fsr-3513	187	48	d	d	NOUN
fsr-3513	187	49	)	)	PUNCT
fsr-3513	187	50	“	"	PUNCT
fsr-3513	187	51	understanding	understanding	NOUN
fsr-3513	187	52	of	of	ADP
fsr-3513	187	53	credit	credit	NOUN
fsr-3513	187	54	card	card	NOUN
fsr-3513	187	55	minimum	minimum	NOUN
fsr-3513	187	56	payments	payment	NOUN
fsr-3513	187	57	.	.	PUNCT
fsr-3513	187	58	”	"	PUNCT
fsr-3513	188	1	financial	financial	ADJ
fsr-3513	188	2	goal	goal	NOUN
fsr-3513	188	3	setting	set	VERB
fsr-3513	188	4	was	be	AUX
fsr-3513	188	5	an	an	DET
fsr-3513	188	6	observed	observed	ADJ
fsr-3513	188	7	variable	variable	NOUN
fsr-3513	188	8	measured	measure	VERB
fsr-3513	188	9	by	by	ADP
fsr-3513	188	10	a	a	DET
fsr-3513	188	11	latent	latent	NOUN
fsr-3513	188	12	construct	construct	NOUN
fsr-3513	188	13	comprising	comprise	VERB
fsr-3513	188	14	four	four	NUM
fsr-3513	188	15	observed	observed	ADJ
fsr-3513	188	16	variables	variable	NOUN
fsr-3513	188	17	(	(	PUNCT
fsr-3513	188	18	cfpb	cfpb	NOUN
fsr-3513	188	19	,	,	PUNCT
fsr-3513	188	20	2015a	2015a	NUM
fsr-3513	188	21	)	)	PUNCT
fsr-3513	188	22	(	(	PUNCT
fsr-3513	188	23	answers	answer	NOUN
fsr-3513	188	24	were	be	AUX
fsr-3513	188	25	given	give	VERB
fsr-3513	188	26	dichotomously	dichotomously	ADV
fsr-3513	188	27	)	)	PUNCT
fsr-3513	188	28	.	.	PUNCT
fsr-3513	189	1	the	the	DET
fsr-3513	189	2	items	item	NOUN
fsr-3513	189	3	were	be	AUX
fsr-3513	189	4	(	(	PUNCT
fsr-3513	189	5	a	a	X
fsr-3513	189	6	)	)	PUNCT
fsr-3513	189	7	“	"	PUNCT
fsr-3513	189	8	do	do	AUX
fsr-3513	189	9	you	you	PRON
fsr-3513	189	10	have	have	VERB
fsr-3513	189	11	a	a	DET
fsr-3513	189	12	current	current	ADJ
fsr-3513	189	13	or	or	CCONJ
fsr-3513	189	14	recent	recent	ADJ
fsr-3513	189	15	financial	financial	ADJ
fsr-3513	189	16	goal	goal	NOUN
fsr-3513	189	17	?	?	PUNCT
fsr-3513	189	18	”	"	PUNCT
fsr-3513	189	19	,	,	PUNCT
fsr-3513	189	20	(	(	PUNCT
fsr-3513	189	21	b	b	X
fsr-3513	189	22	)	)	PUNCT
fsr-3513	189	23	“	"	PUNCT
fsr-3513	189	24	i	i	PRON
fsr-3513	189	25	set	set	VERB
fsr-3513	189	26	financial	financial	ADJ
fsr-3513	189	27	goals	goal	NOUN
fsr-3513	189	28	for	for	ADP
fsr-3513	189	29	what	what	PRON
fsr-3513	189	30	i	i	PRON
fsr-3513	189	31	want	want	VERB
fsr-3513	189	32	to	to	PART
fsr-3513	189	33	achieve	achieve	VERB
fsr-3513	189	34	with	with	ADP
fsr-3513	189	35	my	my	PRON
fsr-3513	189	36	money	money	NOUN
fsr-3513	189	37	,	,	PUNCT
fsr-3513	189	38	”	"	PUNCT
fsr-3513	189	39	(	(	PUNCT
fsr-3513	189	40	c	c	NOUN
fsr-3513	189	41	)	)	PUNCT
fsr-3513	189	42	“	"	PUNCT
fsr-3513	189	43	i	i	PRON
fsr-3513	189	44	prepare	prepare	VERB
fsr-3513	189	45	a	a	DET
fsr-3513	189	46	clear	clear	ADJ
fsr-3513	189	47	plan	plan	NOUN
fsr-3513	189	48	of	of	ADP
fsr-3513	189	49	action	action	NOUN
fsr-3513	189	50	with	with	ADP
fsr-3513	189	51	detailed	detailed	ADJ
fsr-3513	189	52	steps	step	NOUN
fsr-3513	189	53	to	to	PART
fsr-3513	189	54	achieve	achieve	VERB
fsr-3513	189	55	my	my	PRON
fsr-3513	189	56	financial	financial	ADJ
fsr-3513	189	57	goals	goal	NOUN
fsr-3513	189	58	”	"	PUNCT
fsr-3513	189	59	(	(	PUNCT
fsr-3513	189	60	each	each	PRON
fsr-3513	189	61	was	be	AUX
fsr-3513	189	62	on	on	ADP
fsr-3513	189	63	a	a	DET
fsr-3513	189	64	5	5	NUM
fsr-3513	189	65	-	-	PUNCT
fsr-3513	189	66	point	point	NOUN
fsr-3513	189	67	likert	likert	ADJ
fsr-3513	189	68	scale	scale	NOUN
fsr-3513	189	69	)	)	PUNCT
fsr-3513	189	70	,	,	PUNCT
fsr-3513	189	71	and	and	CCONJ
fsr-3513	189	72	(	(	PUNCT
fsr-3513	189	73	d	d	NOUN
fsr-3513	189	74	)	)	PUNCT
fsr-3513	189	75	“	"	PUNCT
fsr-3513	189	76	confidence	confidence	NOUN
fsr-3513	189	77	in	in	ADP
fsr-3513	189	78	own	own	ADJ
fsr-3513	189	79	ability	ability	NOUN
fsr-3513	189	80	to	to	PART
fsr-3513	189	81	achieve	achieve	VERB
fsr-3513	189	82	financial	financial	ADJ
fsr-3513	189	83	goals	goal	NOUN
fsr-3513	189	84	”	"	PUNCT
fsr-3513	189	85	(	(	PUNCT
fsr-3513	189	86	each	each	PRON
fsr-3513	189	87	was	be	AUX
fsr-3513	189	88	on	on	ADP
fsr-3513	189	89	a	a	DET
fsr-3513	189	90	4	4	NUM
fsr-3513	189	91	-	-	PUNCT
fsr-3513	189	92	point	point	NOUN
fsr-3513	189	93	likert	likert	NOUN
fsr-3513	189	94	)	)	PUNCT
fsr-3513	189	95	(	(	PUNCT
fsr-3513	189	96	cfpb	cfpb	NOUN
fsr-3513	189	97	,	,	PUNCT
fsr-3513	189	98	2015a	2015a	NUM
fsr-3513	189	99	)	)	PUNCT
fsr-3513	189	100	.	.	PUNCT
fsr-3513	190	1	self	self	NOUN
fsr-3513	190	2	-	-	PUNCT
fsr-3513	190	3	control	control	NOUN
fsr-3513	190	4	was	be	AUX
fsr-3513	190	5	an	an	DET
fsr-3513	190	6	observed	observed	ADJ
fsr-3513	190	7	variable	variable	NOUN
fsr-3513	190	8	measured	measure	VERB
fsr-3513	190	9	by	by	ADP
fsr-3513	190	10	two	two	NUM
fsr-3513	190	11	items	item	NOUN
fsr-3513	190	12	.	.	PUNCT
fsr-3513	191	1	the	the	DET
fsr-3513	191	2	respondents	respondent	NOUN
fsr-3513	191	3	were	be	AUX
fsr-3513	191	4	asked	ask	VERB
fsr-3513	191	5	,	,	PUNCT
fsr-3513	191	6	“	"	PUNCT
fsr-3513	191	7	i	i	PRON
fsr-3513	191	8	am	be	AUX
fsr-3513	191	9	good	good	ADJ
fsr-3513	191	10	at	at	ADP
fsr-3513	191	11	resisting	resist	VERB
fsr-3513	191	12	temptation	temptation	NOUN
fsr-3513	191	13	,	,	PUNCT
fsr-3513	191	14	”	"	PUNCT
fsr-3513	191	15	and	and	CCONJ
fsr-3513	191	16	“	"	PUNCT
fsr-3513	191	17	i	i	PRON
fsr-3513	191	18	am	be	AUX
fsr-3513	191	19	able	able	ADJ
fsr-3513	191	20	to	to	PART
fsr-3513	191	21	work	work	VERB
fsr-3513	191	22	diligently	diligently	ADV
fsr-3513	191	23	toward	toward	ADP
fsr-3513	191	24	long	long	ADJ
fsr-3513	191	25	-	-	PUNCT
fsr-3513	191	26	term	term	NOUN
fsr-3513	191	27	goals	goal	NOUN
fsr-3513	191	28	.	.	PUNCT
fsr-3513	191	29	”	"	PUNCT
fsr-3513	192	1	the	the	DET
fsr-3513	192	2	answers	answer	NOUN
fsr-3513	192	3	were	be	AUX
fsr-3513	192	4	coded	code	VERB
fsr-3513	192	5	with	with	ADP
fsr-3513	192	6	a	a	DET
fsr-3513	192	7	4	4	NUM
fsr-3513	192	8	-	-	PUNCT
fsr-3513	192	9	point	point	NOUN
fsr-3513	192	10	scale	scale	NOUN
fsr-3513	192	11	ranging	range	VERB
fsr-3513	192	12	from	from	ADP
fsr-3513	192	13	1	1	NUM
fsr-3513	192	14	=	=	SYM
fsr-3513	192	15	not	not	PART
fsr-3513	192	16	at	at	ADV
fsr-3513	192	17	all	all	ADV
fsr-3513	192	18	to	to	ADP
fsr-3513	192	19	4	4	NUM
fsr-3513	192	20	=	=	SYM
fsr-3513	192	21	completely	completely	ADV
fsr-3513	192	22	well	well	ADV
fsr-3513	192	23	.	.	PUNCT
fsr-3513	193	1	financial	financial	ADJ
fsr-3513	193	2	skills	skill	NOUN
fsr-3513	193	3	and	and	CCONJ
fsr-3513	193	4	financial	financial	ADJ
fsr-3513	193	5	management	management	NOUN
fsr-3513	193	6	behavior	behavior	NOUN
fsr-3513	193	7	.	.	PUNCT
fsr-3513	194	1	the	the	DET
fsr-3513	194	2	nfwbs	nfwbs	ADJ
fsr-3513	194	3	survey	survey	NOUN
fsr-3513	194	4	provides	provide	VERB
fsr-3513	194	5	modules	module	NOUN
fsr-3513	194	6	of	of	ADP
fsr-3513	194	7	questions	question	NOUN
fsr-3513	194	8	with	with	ADP
fsr-3513	194	9	predefined	predefine	VERB
fsr-3513	194	10	themes	theme	NOUN
fsr-3513	194	11	for	for	ADP
fsr-3513	194	12	both	both	PRON
fsr-3513	194	13	financial	financial	ADJ
fsr-3513	194	14	skills	skill	NOUN
fsr-3513	194	15	and	and	CCONJ
fsr-3513	194	16	financial	financial	ADJ
fsr-3513	194	17	management	management	NOUN
fsr-3513	194	18	behavior	behavior	NOUN
fsr-3513	194	19	variables	variable	VERB
fsr-3513	194	20	.	.	PUNCT
fsr-3513	195	1	a	a	DET
fsr-3513	195	2	latent	latent	NOUN
fsr-3513	195	3	construct	construct	NOUN
fsr-3513	195	4	was	be	AUX
fsr-3513	195	5	created	create	VERB
fsr-3513	195	6	for	for	ADP
fsr-3513	195	7	financial	financial	ADJ
fsr-3513	195	8	skills	skill	NOUN
fsr-3513	195	9	,	,	PUNCT
fsr-3513	195	10	comprising	comprise	VERB
fsr-3513	195	11	nine	nine	NUM
fsr-3513	195	12	indicators	indicator	NOUN
fsr-3513	195	13	reflecting	reflect	VERB
fsr-3513	195	14	respondents	respondent	NOUN
fsr-3513	195	15	’	'	PUNCT
fsr-3513	195	16	subjective	subjective	ADJ
fsr-3513	195	17	evaluations	evaluation	NOUN
fsr-3513	195	18	of	of	ADP
fsr-3513	195	19	their	their	PRON
fsr-3513	195	20	financial	financial	ADJ
fsr-3513	195	21	skills	skill	NOUN
fsr-3513	195	22	and	and	CCONJ
fsr-3513	195	23	capabilities	capability	NOUN
fsr-3513	195	24	.	.	PUNCT
fsr-3513	196	1	the	the	DET
fsr-3513	196	2	items	item	NOUN
fsr-3513	196	3	in	in	ADP
fsr-3513	196	4	the	the	DET
fsr-3513	196	5	survey	survey	NOUN
fsr-3513	196	6	were	be	AUX
fsr-3513	196	7	self	self	NOUN
fsr-3513	196	8	-	-	PUNCT
fsr-3513	196	9	assessed	assess	VERB
fsr-3513	196	10	financial	financial	ADJ
fsr-3513	196	11	skills	skill	NOUN
fsr-3513	196	12	,	,	PUNCT
fsr-3513	196	13	including	include	VERB
fsr-3513	196	14	:	:	PUNCT
fsr-3513	196	15	(	(	PUNCT
fsr-3513	196	16	a	a	X
fsr-3513	196	17	)	)	PUNCT
fsr-3513	196	18	“	"	PUNCT
fsr-3513	196	19	i	i	PRON
fsr-3513	196	20	know	know	VERB
fsr-3513	196	21	how	how	SCONJ
fsr-3513	196	22	to	to	PART
fsr-3513	196	23	get	get	VERB
fsr-3513	196	24	myself	myself	PRON
fsr-3513	196	25	to	to	ADP
fsr-3513	196	26	young	young	PROPN
fsr-3513	196	27	et	et	PROPN
fsr-3513	196	28	al	al	PROPN
fsr-3513	196	29	.	.	PROPN
fsr-3513	197	1	61	61	NUM
fsr-3513	197	2	follow	follow	VERB
fsr-3513	197	3	through	through	ADV
fsr-3513	197	4	on	on	ADP
fsr-3513	197	5	my	my	PRON
fsr-3513	197	6	financial	financial	ADJ
fsr-3513	197	7	intentions	intention	NOUN
fsr-3513	197	8	,	,	PUNCT
fsr-3513	197	9	”	"	PUNCT
fsr-3513	197	10	(	(	PUNCT
fsr-3513	197	11	b	b	X
fsr-3513	197	12	)	)	PUNCT
fsr-3513	197	13	“	"	PUNCT
fsr-3513	197	14	i	i	PRON
fsr-3513	197	15	know	know	VERB
fsr-3513	197	16	where	where	SCONJ
fsr-3513	197	17	to	to	PART
fsr-3513	197	18	find	find	VERB
fsr-3513	197	19	the	the	DET
fsr-3513	197	20	advice	advice	NOUN
fsr-3513	197	21	i	i	PRON
fsr-3513	197	22	need	need	VERB
fsr-3513	197	23	to	to	PART
fsr-3513	197	24	make	make	VERB
fsr-3513	197	25	decisions	decision	NOUN
fsr-3513	197	26	involving	involve	VERB
fsr-3513	197	27	money	money	NOUN
fsr-3513	197	28	,	,	PUNCT
fsr-3513	197	29	”	"	PUNCT
fsr-3513	197	30	(	(	PUNCT
fsr-3513	197	31	c	c	NOUN
fsr-3513	197	32	)	)	PUNCT
fsr-3513	197	33	“	"	PUNCT
fsr-3513	197	34	i	i	PRON
fsr-3513	197	35	know	know	VERB
fsr-3513	197	36	how	how	SCONJ
fsr-3513	197	37	to	to	PART
fsr-3513	197	38	make	make	VERB
fsr-3513	197	39	complex	complex	ADJ
fsr-3513	197	40	financial	financial	ADJ
fsr-3513	197	41	decisions	decision	NOUN
fsr-3513	197	42	,	,	PUNCT
fsr-3513	197	43	”	"	PUNCT
fsr-3513	197	44	(	(	PUNCT
fsr-3513	197	45	d	d	X
fsr-3513	197	46	)	)	PUNCT
fsr-3513	197	47	“	"	PUNCT
fsr-3513	197	48	i	i	PRON
fsr-3513	197	49	am	be	AUX
fsr-3513	197	50	able	able	ADJ
fsr-3513	197	51	to	to	PART
fsr-3513	197	52	make	make	VERB
fsr-3513	197	53	good	good	ADJ
fsr-3513	197	54	financial	financial	ADJ
fsr-3513	197	55	decisions	decision	NOUN
fsr-3513	197	56	that	that	PRON
fsr-3513	197	57	are	be	AUX
fsr-3513	197	58	new	new	ADJ
fsr-3513	197	59	to	to	ADP
fsr-3513	197	60	me	i	PRON
fsr-3513	197	61	,	,	PUNCT
fsr-3513	197	62	”	"	PUNCT
fsr-3513	197	63	(	(	PUNCT
fsr-3513	197	64	e	e	NOUN
fsr-3513	197	65	)	)	PUNCT
fsr-3513	197	66	“	"	PUNCT
fsr-3513	197	67	i	i	PRON
fsr-3513	197	68	am	be	AUX
fsr-3513	197	69	able	able	ADJ
fsr-3513	197	70	to	to	PART
fsr-3513	197	71	recognize	recognize	VERB
fsr-3513	197	72	a	a	DET
fsr-3513	197	73	good	good	ADJ
fsr-3513	197	74	financial	financial	ADJ
fsr-3513	197	75	investment	investment	NOUN
fsr-3513	197	76	,	,	PUNCT
fsr-3513	197	77	”	"	PUNCT
fsr-3513	197	78	(	(	PUNCT
fsr-3513	197	79	f	f	X
fsr-3513	197	80	)	)	PUNCT
fsr-3513	197	81	“	"	PUNCT
fsr-3513	197	82	i	i	PRON
fsr-3513	197	83	know	know	VERB
fsr-3513	197	84	how	how	SCONJ
fsr-3513	197	85	to	to	PART
fsr-3513	197	86	keep	keep	VERB
fsr-3513	197	87	myself	myself	PRON
fsr-3513	197	88	from	from	ADP
fsr-3513	197	89	spending	spend	VERB
fsr-3513	197	90	too	too	ADV
fsr-3513	197	91	much	much	ADV
fsr-3513	197	92	,	,	PUNCT
fsr-3513	197	93	”	"	PUNCT
fsr-3513	197	94	and	and	CCONJ
fsr-3513	197	95	(	(	PUNCT
fsr-3513	197	96	g	g	NOUN
fsr-3513	197	97	)	)	PUNCT
fsr-3513	197	98	“	"	PUNCT
fsr-3513	197	99	i	i	PRON
fsr-3513	197	100	know	know	VERB
fsr-3513	197	101	how	how	SCONJ
fsr-3513	197	102	to	to	PART
fsr-3513	197	103	make	make	VERB
fsr-3513	197	104	myself	myself	PRON
fsr-3513	197	105	save	save	VERB
fsr-3513	197	106	,	,	PUNCT
fsr-3513	197	107	”	"	PUNCT
fsr-3513	197	108	(	(	PUNCT
fsr-3513	197	109	h	h	NOUN
fsr-3513	197	110	)	)	PUNCT
fsr-3513	197	111	“	"	PUNCT
fsr-3513	197	112	i	i	PRON
fsr-3513	197	113	know	know	VERB
fsr-3513	197	114	when	when	SCONJ
fsr-3513	197	115	i	i	PRON
fsr-3513	197	116	do	do	AUX
fsr-3513	197	117	not	not	PART
fsr-3513	197	118	have	have	VERB
fsr-3513	197	119	enough	enough	ADJ
fsr-3513	197	120	information	information	NOUN
fsr-3513	197	121	to	to	PART
fsr-3513	197	122	make	make	VERB
fsr-3513	197	123	a	a	DET
fsr-3513	197	124	good	good	ADJ
fsr-3513	197	125	decision	decision	NOUN
fsr-3513	197	126	involving	involve	VERB
fsr-3513	197	127	my	my	PRON
fsr-3513	197	128	money	money	NOUN
fsr-3513	197	129	,	,	PUNCT
fsr-3513	197	130	”	"	PUNCT
fsr-3513	197	131	and	and	CCONJ
fsr-3513	197	132	(	(	PUNCT
fsr-3513	197	133	i	i	NOUN
fsr-3513	197	134	)	)	PUNCT
fsr-3513	197	135	“	"	PUNCT
fsr-3513	197	136	i	i	PRON
fsr-3513	197	137	know	know	VERB
fsr-3513	197	138	when	when	SCONJ
fsr-3513	197	139	i	i	PRON
fsr-3513	197	140	need	need	VERB
fsr-3513	197	141	advice	advice	NOUN
fsr-3513	197	142	about	about	ADP
fsr-3513	197	143	my	my	PRON
fsr-3513	197	144	money	money	NOUN
fsr-3513	197	145	”	"	PUNCT
fsr-3513	197	146	(	(	PUNCT
fsr-3513	197	147	cfpb	cfpb	NOUN
fsr-3513	197	148	,	,	PUNCT
fsr-3513	197	149	2015a	2015a	NUM
fsr-3513	197	150	)	)	PUNCT
fsr-3513	197	151	.	.	PUNCT
fsr-3513	198	1	each	each	DET
fsr-3513	198	2	item	item	NOUN
fsr-3513	198	3	was	be	AUX
fsr-3513	198	4	coded	code	VERB
fsr-3513	198	5	on	on	ADP
fsr-3513	198	6	an	an	DET
fsr-3513	198	7	agreement	agreement	NOUN
fsr-3513	198	8	scale	scale	NOUN
fsr-3513	198	9	of	of	ADP
fsr-3513	198	10	1–5	1–5	NUM
fsr-3513	198	11	,	,	PUNCT
fsr-3513	198	12	with	with	ADP
fsr-3513	198	13	some	some	DET
fsr-3513	198	14	items	item	NOUN
fsr-3513	198	15	reverse	reverse	VERB
fsr-3513	198	16	-	-	PUNCT
fsr-3513	198	17	coded	code	VERB
fsr-3513	198	18	.	.	PUNCT
fsr-3513	199	1	financial	financial	ADJ
fsr-3513	199	2	management	management	NOUN
fsr-3513	199	3	behavior	behavior	NOUN
fsr-3513	199	4	was	be	AUX
fsr-3513	199	5	a	a	DET
fsr-3513	199	6	latent	latent	NOUN
fsr-3513	199	7	construct	construct	NOUN
fsr-3513	199	8	,	,	PUNCT
fsr-3513	199	9	with	with	ADP
fsr-3513	199	10	four	four	NUM
fsr-3513	199	11	observed	observed	ADJ
fsr-3513	199	12	variables	variable	NOUN
fsr-3513	199	13	reflecting	reflect	VERB
fsr-3513	199	14	positive	positive	ADJ
fsr-3513	199	15	and	and	CCONJ
fsr-3513	199	16	desirable	desirable	ADJ
fsr-3513	199	17	financial	financial	ADJ
fsr-3513	199	18	management	management	NOUN
fsr-3513	199	19	behaviors	behavior	NOUN
fsr-3513	199	20	.	.	PUNCT
fsr-3513	200	1	respondents	respondent	NOUN
fsr-3513	200	2	were	be	AUX
fsr-3513	200	3	asked	ask	VERB
fsr-3513	200	4	to	to	PART
fsr-3513	200	5	indicate	indicate	VERB
fsr-3513	200	6	how	how	SCONJ
fsr-3513	200	7	often	often	ADV
fsr-3513	200	8	they	they	PRON
fsr-3513	200	9	had	have	AUX
fsr-3513	200	10	engaged	engage	VERB
fsr-3513	200	11	in	in	ADP
fsr-3513	200	12	the	the	DET
fsr-3513	200	13	following	follow	VERB
fsr-3513	200	14	activities	activity	NOUN
fsr-3513	200	15	in	in	ADP
fsr-3513	200	16	the	the	DET
fsr-3513	200	17	past	past	ADJ
fsr-3513	200	18	six	six	NUM
fsr-3513	200	19	months	month	NOUN
fsr-3513	200	20	:	:	PUNCT
fsr-3513	200	21	(	(	PUNCT
fsr-3513	200	22	a	a	X
fsr-3513	200	23	)	)	PUNCT
fsr-3513	200	24	“	"	PUNCT
fsr-3513	200	25	paid	pay	VERB
fsr-3513	200	26	all	all	DET
fsr-3513	200	27	the	the	DET
fsr-3513	200	28	bills	bill	NOUN
fsr-3513	200	29	on	on	ADP
fsr-3513	200	30	time	time	NOUN
fsr-3513	200	31	,	,	PUNCT
fsr-3513	200	32	”	"	PUNCT
fsr-3513	200	33	(	(	PUNCT
fsr-3513	200	34	b	b	NOUN
fsr-3513	200	35	)	)	PUNCT
fsr-3513	200	36	“	"	PUNCT
fsr-3513	200	37	stayed	stay	VERB
fsr-3513	200	38	within	within	ADP
fsr-3513	200	39	the	the	DET
fsr-3513	200	40	budget	budget	NOUN
fsr-3513	200	41	or	or	CCONJ
fsr-3513	200	42	spending	spending	NOUN
fsr-3513	200	43	plan	plan	NOUN
fsr-3513	200	44	,	,	PUNCT
fsr-3513	200	45	”	"	PUNCT
fsr-3513	200	46	(	(	PUNCT
fsr-3513	200	47	c	c	NOUN
fsr-3513	200	48	)	)	PUNCT
fsr-3513	200	49	“	"	PUNCT
fsr-3513	200	50	paid	pay	VERB
fsr-3513	200	51	off	off	ADP
fsr-3513	200	52	credit	credit	NOUN
fsr-3513	200	53	card	card	NOUN
fsr-3513	200	54	balance	balance	NOUN
fsr-3513	200	55	in	in	ADP
fsr-3513	200	56	full	full	ADJ
fsr-3513	200	57	each	each	DET
fsr-3513	200	58	month	month	NOUN
fsr-3513	200	59	,	,	PUNCT
fsr-3513	200	60	”	"	PUNCT
fsr-3513	200	61	and	and	CCONJ
fsr-3513	200	62	(	(	PUNCT
fsr-3513	200	63	d	d	X
fsr-3513	200	64	)	)	PUNCT
fsr-3513	200	65	“	"	PUNCT
fsr-3513	200	66	checked	check	VERB
fsr-3513	200	67	the	the	DET
fsr-3513	200	68	statements	statement	NOUN
fsr-3513	200	69	,	,	PUNCT
fsr-3513	200	70	bills	bill	NOUN
fsr-3513	200	71	,	,	PUNCT
fsr-3513	200	72	and	and	CCONJ
fsr-3513	200	73	receipts	receipt	NOUN
fsr-3513	200	74	to	to	PART
fsr-3513	200	75	make	make	VERB
fsr-3513	200	76	sure	sure	ADJ
fsr-3513	200	77	there	there	PRON
fsr-3513	200	78	were	be	VERB
fsr-3513	200	79	no	no	DET
fsr-3513	200	80	errors	error	NOUN
fsr-3513	200	81	”	"	PUNCT
fsr-3513	200	82	(	(	PUNCT
fsr-3513	200	83	cfpb	cfpb	NOUN
fsr-3513	200	84	,	,	PUNCT
fsr-3513	200	85	2015a	2015a	NUM
fsr-3513	200	86	)	)	PUNCT
fsr-3513	200	87	.	.	PUNCT
fsr-3513	201	1	the	the	DET
fsr-3513	201	2	answers	answer	NOUN
fsr-3513	201	3	were	be	AUX
fsr-3513	201	4	coded	code	VERB
fsr-3513	201	5	with	with	ADP
fsr-3513	201	6	a	a	DET
fsr-3513	201	7	5	5	NUM
fsr-3513	201	8	-	-	PUNCT
fsr-3513	201	9	point	point	NOUN
fsr-3513	201	10	scale	scale	NOUN
fsr-3513	201	11	ranging	range	VERB
fsr-3513	201	12	from	from	ADP
fsr-3513	201	13	1	1	NUM
fsr-3513	201	14	=	=	NOUN
fsr-3513	201	15	never	never	ADV
fsr-3513	201	16	to	to	ADP
fsr-3513	201	17	5	5	NUM
fsr-3513	201	18	=	=	PUNCT
fsr-3513	201	19	always	always	ADV
fsr-3513	201	20	.	.	PUNCT
fsr-3513	202	1	results	result	NOUN
fsr-3513	202	2	respondent	respondent	NOUN
fsr-3513	202	3	profile	profile	NOUN
fsr-3513	202	4	table	table	NOUN
fsr-3513	202	5	1	1	NUM
fsr-3513	202	6	provides	provide	VERB
fsr-3513	202	7	descriptive	descriptive	ADJ
fsr-3513	202	8	statistics	statistic	NOUN
fsr-3513	202	9	for	for	ADP
fsr-3513	202	10	the	the	DET
fsr-3513	202	11	survey	survey	NOUN
fsr-3513	202	12	sample	sample	NOUN
fsr-3513	202	13	.	.	PUNCT
fsr-3513	203	1	the	the	DET
fsr-3513	203	2	weighted	weight	VERB
fsr-3513	203	3	percentages	percentage	NOUN
fsr-3513	203	4	reflect	reflect	VERB
fsr-3513	203	5	the	the	DET
fsr-3513	203	6	u.s	u.s	PROPN
fsr-3513	203	7	.	.	PROPN
fsr-3513	203	8	population	population	NOUN
fsr-3513	203	9	profile	profile	NOUN
fsr-3513	203	10	.	.	PUNCT
fsr-3513	204	1	the	the	DET
fsr-3513	204	2	sample	sample	NOUN
fsr-3513	204	3	was	be	AUX
fsr-3513	204	4	comprised	comprise	VERB
fsr-3513	204	5	of	of	ADP
fsr-3513	204	6	84.4	84.4	NUM
fsr-3513	204	7	%	%	NOUN
fsr-3513	204	8	european	european	PROPN
fsr-3513	204	9	americans	americans	PROPN
fsr-3513	204	10	and	and	CCONJ
fsr-3513	204	11	15.6	15.6	NUM
fsr-3513	204	12	%	%	NOUN
fsr-3513	204	13	african	african	ADJ
fsr-3513	204	14	americans	americans	PROPN
fsr-3513	204	15	.	.	PUNCT
fsr-3513	205	1	(	(	PUNCT
fsr-3513	205	2	the	the	DET
fsr-3513	205	3	race	race	NOUN
fsr-3513	205	4	of	of	ADP
fsr-3513	205	5	participants	participant	NOUN
fsr-3513	205	6	was	be	AUX
fsr-3513	205	7	categorized	categorize	VERB
fsr-3513	205	8	as	as	ADP
fsr-3513	205	9	european	european	PROPN
fsr-3513	205	10	american	american	PROPN
fsr-3513	205	11	,	,	PUNCT
fsr-3513	205	12	african	african	ADJ
fsr-3513	205	13	american	american	PROPN
fsr-3513	205	14	,	,	PUNCT
fsr-3513	205	15	asian	asian	ADJ
fsr-3513	205	16	american	american	PROPN
fsr-3513	205	17	,	,	PUNCT
fsr-3513	205	18	or	or	CCONJ
fsr-3513	205	19	latin	latin	ADJ
fsr-3513	205	20	american	american	PROPN
fsr-3513	205	21	in	in	ADP
fsr-3513	205	22	accordance	accordance	NOUN
fsr-3513	205	23	with	with	ADP
fsr-3513	205	24	the	the	DET
fsr-3513	205	25	standards	standard	NOUN
fsr-3513	205	26	established	establish	VERB
fsr-3513	205	27	by	by	ADP
fsr-3513	205	28	the	the	DET
fsr-3513	205	29	american	american	PROPN
fsr-3513	205	30	psychological	psychological	PROPN
fsr-3513	205	31	association	association	PROPN
fsr-3513	205	32	(	(	PUNCT
fsr-3513	205	33	2015	2015	NUM
fsr-3513	205	34	)	)	PUNCT
fsr-3513	205	35	.	.	PUNCT
fsr-3513	205	36	)	)	PUNCT
fsr-3513	206	1	gender	gender	NOUN
fsr-3513	206	2	identification	identification	NOUN
fsr-3513	206	3	indicated	indicate	VERB
fsr-3513	206	4	that	that	SCONJ
fsr-3513	206	5	the	the	DET
fsr-3513	206	6	dataset	dataset	NOUN
fsr-3513	206	7	was	be	AUX
fsr-3513	206	8	close	close	ADJ
fsr-3513	206	9	to	to	ADP
fsr-3513	206	10	half	half	NOUN
fsr-3513	206	11	,	,	PUNCT
fsr-3513	206	12	with	with	ADP
fsr-3513	206	13	female	female	ADJ
fsr-3513	206	14	respondents	respondent	NOUN
fsr-3513	206	15	having	have	VERB
fsr-3513	206	16	a	a	DET
fsr-3513	206	17	slight	slight	ADJ
fsr-3513	206	18	advantage	advantage	NOUN
fsr-3513	206	19	(	(	PUNCT
fsr-3513	206	20	52.4	52.4	NUM
fsr-3513	206	21	%	%	NOUN
fsr-3513	206	22	)	)	PUNCT
fsr-3513	206	23	with	with	ADP
fsr-3513	206	24	male	male	ADJ
fsr-3513	206	25	respondents	respondent	NOUN
fsr-3513	206	26	at	at	ADP
fsr-3513	206	27	47.6	47.6	NUM
fsr-3513	206	28	%	%	NOUN
fsr-3513	206	29	.	.	PUNCT
fsr-3513	207	1	overall	overall	ADV
fsr-3513	207	2	,	,	PUNCT
fsr-3513	207	3	the	the	DET
fsr-3513	207	4	35	35	NUM
fsr-3513	207	5	to	to	PART
fsr-3513	207	6	54	54	NUM
fsr-3513	207	7	age	age	NOUN
fsr-3513	207	8	group	group	NOUN
fsr-3513	207	9	(	(	PUNCT
fsr-3513	207	10	32.2	32.2	NUM
fsr-3513	207	11	%	%	NOUN
fsr-3513	207	12	)	)	PUNCT
fsr-3513	207	13	represented	represent	VERB
fsr-3513	207	14	a	a	DET
fsr-3513	207	15	more	more	ADV
fsr-3513	207	16	significant	significant	ADJ
fsr-3513	207	17	percentage	percentage	NOUN
fsr-3513	207	18	of	of	ADP
fsr-3513	207	19	the	the	DET
fsr-3513	207	20	dataset	dataset	NOUN
fsr-3513	207	21	,	,	PUNCT
fsr-3513	207	22	with	with	ADP
fsr-3513	207	23	the	the	DET
fsr-3513	207	24	70	70	NUM
fsr-3513	207	25	or	or	CCONJ
fsr-3513	207	26	older	old	ADJ
fsr-3513	207	27	age	age	NOUN
fsr-3513	207	28	group	group	NOUN
fsr-3513	207	29	having	have	VERB
fsr-3513	207	30	the	the	DET
fsr-3513	207	31	lowest	low	ADJ
fsr-3513	207	32	representation	representation	NOUN
fsr-3513	207	33	at	at	ADP
fsr-3513	207	34	15.1	15.1	NUM
fsr-3513	207	35	%	%	NOUN
fsr-3513	207	36	.	.	PUNCT
fsr-3513	208	1	a	a	DET
fsr-3513	208	2	slightly	slightly	ADV
fsr-3513	208	3	higher	high	ADJ
fsr-3513	208	4	percentage	percentage	NOUN
fsr-3513	208	5	of	of	ADP
fsr-3513	208	6	respondents	respondent	NOUN
fsr-3513	208	7	were	be	AUX
fsr-3513	208	8	married	marry	VERB
fsr-3513	208	9	(	(	PUNCT
fsr-3513	208	10	56.6	56.6	NUM
fsr-3513	208	11	%	%	NOUN
fsr-3513	208	12	)	)	PUNCT
fsr-3513	208	13	.	.	PUNCT
fsr-3513	209	1	approximately	approximately	ADV
fsr-3513	209	2	67	67	NUM
fsr-3513	209	3	%	%	NOUN
fsr-3513	209	4	of	of	ADP
fsr-3513	209	5	participants	participant	NOUN
fsr-3513	209	6	had	have	VERB
fsr-3513	209	7	some	some	DET
fsr-3513	209	8	college	college	NOUN
fsr-3513	209	9	education	education	NOUN
fsr-3513	209	10	or	or	CCONJ
fsr-3513	209	11	less	less	ADJ
fsr-3513	209	12	.	.	PUNCT
fsr-3513	210	1	forty	forty	NUM
fsr-3513	210	2	-	-	PUNCT
fsr-3513	210	3	two	two	NUM
fsr-3513	210	4	percent	percent	NOUN
fsr-3513	210	5	of	of	ADP
fsr-3513	210	6	the	the	DET
fsr-3513	210	7	sample	sample	NOUN
fsr-3513	210	8	was	be	AUX
fsr-3513	210	9	employed	employ	VERB
fsr-3513	210	10	,	,	PUNCT
fsr-3513	210	11	23	23	NUM
fsr-3513	210	12	%	%	NOUN
fsr-3513	210	13	was	be	AUX
fsr-3513	210	14	retired	retire	VERB
fsr-3513	210	15	,	,	PUNCT
fsr-3513	210	16	and	and	CCONJ
fsr-3513	210	17	35	35	NUM
fsr-3513	210	18	%	%	NOUN
fsr-3513	210	19	was	be	AUX
fsr-3513	210	20	unemployed	unemployed	ADJ
fsr-3513	210	21	for	for	ADP
fsr-3513	210	22	numerous	numerous	ADJ
fsr-3513	210	23	reasons	reason	NOUN
fsr-3513	210	24	.	.	PUNCT
fsr-3513	211	1	table	table	NOUN
fsr-3513	211	2	1	1	NUM
fsr-3513	211	3	.	.	X
fsr-3513	211	4	respondent	respondent	NOUN
fsr-3513	211	5	profile	profile	NOUN
fsr-3513	211	6	variable	variable	ADJ
fsr-3513	211	7	frequency	frequency	NOUN
fsr-3513	211	8	percent	percent	NOUN
fsr-3513	211	9	gender	gender	NOUN
fsr-3513	211	10	male	male	NOUN
fsr-3513	211	11	2,317	2,317	NUM
fsr-3513	211	12	47.6	47.6	NUM
fsr-3513	211	13	female	female	NOUN
fsr-3513	211	14	2,555	2,555	NUM
fsr-3513	211	15	52.4	52.4	NUM
fsr-3513	211	16	racial	racial	ADJ
fsr-3513	211	17	group	group	NOUN
fsr-3513	211	18	african	african	ADJ
fsr-3513	211	19	american	american	PROPN
fsr-3513	211	20	758	758	NUM
fsr-3513	211	21	15.6	15.6	NUM
fsr-3513	211	22	european	european	ADJ
fsr-3513	211	23	american	american	PROPN
fsr-3513	211	24	4,114	4,114	NUM
fsr-3513	211	25	84.4	84.4	NUM
fsr-3513	211	26	age	age	NOUN
fsr-3513	211	27	group	group	NOUN
fsr-3513	211	28	34	34	NUM
fsr-3513	211	29	and	and	CCONJ
fsr-3513	211	30	younger	young	ADJ
fsr-3513	211	31	1,383	1,383	NUM
fsr-3513	211	32	28.4	28.4	NUM
fsr-3513	211	33	35–54	35–54	NUM
fsr-3513	211	34	1,571	1,571	NUM
fsr-3513	211	35	32.2	32.2	NUM
fsr-3513	211	36	55–69	55–69	NUM
fsr-3513	211	37	1,182	1,182	NUM
fsr-3513	211	38	24.3	24.3	NUM
fsr-3513	211	39	70	70	NUM
fsr-3513	211	40	or	or	CCONJ
fsr-3513	211	41	older	old	ADJ
fsr-3513	211	42	737	737	NUM
fsr-3513	211	43	15.1	15.1	NUM
fsr-3513	211	44	marital	marital	ADJ
fsr-3513	211	45	status	status	NOUN
fsr-3513	211	46	married	marry	VERB
fsr-3513	211	47	2,755	2,755	NUM
fsr-3513	211	48	56.6	56.6	NUM
fsr-3513	211	49	not	not	PART
fsr-3513	211	50	married	marry	VERB
fsr-3513	211	51	2,268	2,268	NUM
fsr-3513	211	52	43.4	43.4	NUM
fsr-3513	211	53	education	education	NOUN
fsr-3513	211	54	level	level	NOUN
fsr-3513	211	55	some	some	DET
fsr-3513	211	56	college	college	NOUN
fsr-3513	211	57	or	or	CCONJ
fsr-3513	211	58	less	less	ADJ
fsr-3513	211	59	3,277	3,277	NUM
fsr-3513	211	60	67.3	67.3	NUM
fsr-3513	211	61	bachelor	bachelor	NOUN
fsr-3513	211	62	’s	’s	PART
fsr-3513	211	63	degree	degree	NOUN
fsr-3513	211	64	995	995	NUM
fsr-3513	211	65	20.4	20.4	NUM
fsr-3513	211	66	graduate	graduate	NOUN
fsr-3513	211	67	degree	degree	NOUN
fsr-3513	211	68	600	600	NUM
fsr-3513	211	69	12.3	12.3	NUM
fsr-3513	211	70	employment	employment	NOUN
fsr-3513	211	71	status	status	NOUN
fsr-3513	211	72	full	full	ADJ
fsr-3513	211	73	-	-	PUNCT
fsr-3513	211	74	time	time	NOUN
fsr-3513	211	75	2,057	2,057	NUM
fsr-3513	211	76	42.2	42.2	NUM
fsr-3513	211	77	not	not	PART
fsr-3513	211	78	full	full	ADJ
fsr-3513	211	79	-	-	PUNCT
fsr-3513	211	80	time	time	NOUN
fsr-3513	211	81	1,693	1,693	NUM
fsr-3513	211	82	34.8	34.8	NUM
fsr-3513	211	83	retired	retire	VERB
fsr-3513	211	84	1,121	1,121	NUM
fsr-3513	211	85	23.0	23.0	NUM
fsr-3513	211	86	financial	financial	ADJ
fsr-3513	211	87	services	service	NOUN
fsr-3513	211	88	review	review	NOUN
fsr-3513	211	89	,	,	PUNCT
fsr-3513	211	90	32(2	32(2	NUM
fsr-3513	211	91	)	)	PUNCT
fsr-3513	211	92	62	62	NUM
fsr-3513	211	93	measurement	measurement	NOUN
fsr-3513	211	94	model	model	NOUN
fsr-3513	211	95	all	all	DET
fsr-3513	211	96	constructs	construct	NOUN
fsr-3513	211	97	in	in	ADP
fsr-3513	211	98	the	the	DET
fsr-3513	211	99	overall	overall	ADJ
fsr-3513	211	100	model	model	NOUN
fsr-3513	211	101	satisfied	satisfy	VERB
fsr-3513	211	102	the	the	DET
fsr-3513	211	103	requirements	requirement	NOUN
fsr-3513	211	104	for	for	ADP
fsr-3513	211	105	composite	composite	ADJ
fsr-3513	211	106	reliability	reliability	NOUN
fsr-3513	211	107	(	(	PUNCT
fsr-3513	211	108	cr	cr	NOUN
fsr-3513	211	109	)	)	PUNCT
fsr-3513	211	110	,	,	PUNCT
fsr-3513	211	111	and	and	CCONJ
fsr-3513	211	112	cronbach	cronbach	VERB
fsr-3513	211	113	’s	’s	PART
fsr-3513	211	114	alpha6	alpha6	NOUN
fsr-3513	211	115	was	be	AUX
fsr-3513	211	116	greater	great	ADJ
fsr-3513	211	117	than	than	ADP
fsr-3513	211	118	0.60	0.60	NUM
fsr-3513	211	119	(	(	PUNCT
fsr-3513	211	120	gefen	gefen	NOUN
fsr-3513	211	121	et	et	PROPN
fsr-3513	211	122	al	al	PROPN
fsr-3513	211	123	.	.	PROPN
fsr-3513	211	124	,	,	PUNCT
fsr-3513	211	125	2000	2000	NUM
fsr-3513	211	126	;	;	PUNCT
fsr-3513	212	1	nunnally	nunnally	PROPN
fsr-3513	212	2	&	&	CCONJ
fsr-3513	212	3	bernstein	bernstein	PROPN
fsr-3513	212	4	,	,	PUNCT
fsr-3513	212	5	2007	2007	NUM
fsr-3513	212	6	)	)	PUNCT
fsr-3513	212	7	.	.	PUNCT
fsr-3513	213	1	acceptable	acceptable	ADJ
fsr-3513	213	2	convergent	convergent	NOUN
fsr-3513	213	3	validity	validity	NOUN
fsr-3513	213	4	and	and	CCONJ
fsr-3513	213	5	discriminant	discriminant	ADJ
fsr-3513	213	6	validity	validity	NOUN
fsr-3513	213	7	was	be	AUX
fsr-3513	213	8	noted	note	VERB
fsr-3513	213	9	with	with	ADP
fsr-3513	213	10	each	each	DET
fsr-3513	213	11	loading	loading	NOUN
fsr-3513	213	12	being	be	AUX
fsr-3513	213	13	greater	great	ADJ
fsr-3513	213	14	than	than	ADP
fsr-3513	213	15	0.50	0.50	NUM
fsr-3513	213	16	,	,	PUNCT
fsr-3513	213	17	average	average	ADJ
fsr-3513	213	18	variance	variance	NOUN
fsr-3513	213	19	extracted	extract	VERB
fsr-3513	213	20	(	(	PUNCT
fsr-3513	213	21	ave	ave	NOUN
fsr-3513	213	22	)	)	PUNCT
fsr-3513	213	23	was	be	AUX
fsr-3513	213	24	greater	great	ADJ
fsr-3513	213	25	than	than	ADP
fsr-3513	213	26	0.50	0.50	NUM
fsr-3513	213	27	,	,	PUNCT
fsr-3513	213	28	and	and	CCONJ
fsr-3513	213	29	the	the	DET
fsr-3513	213	30	square	square	ADJ
fsr-3513	213	31	root	root	NOUN
fsr-3513	213	32	of	of	ADP
fsr-3513	213	33	ave	ave	NOUN
fsr-3513	213	34	being	be	AUX
fsr-3513	213	35	greater	great	ADJ
fsr-3513	213	36	than	than	ADP
fsr-3513	213	37	each	each	DET
fsr-3513	213	38	correlation	correlation	NOUN
fsr-3513	213	39	coefficient	coefficient	NOUN
fsr-3513	213	40	(	(	PUNCT
fsr-3513	213	41	see	see	VERB
fsr-3513	213	42	tables	table	NOUN
fsr-3513	213	43	2	2	NUM
fsr-3513	213	44	and	and	CCONJ
fsr-3513	213	45	3	3	NUM
fsr-3513	213	46	and	and	CCONJ
fsr-3513	213	47	bagozzi	bagozzi	PROPN
fsr-3513	213	48	&	&	CCONJ
fsr-3513	213	49	yi	yi	PROPN
fsr-3513	213	50	,	,	PUNCT
fsr-3513	213	51	1988	1988	NUM
fsr-3513	213	52	;	;	PUNCT
fsr-3513	213	53	chin	chin	NOUN
fsr-3513	213	54	,	,	PUNCT
fsr-3513	213	55	1998	1998	NUM
fsr-3513	213	56	;	;	PUNCT
fsr-3513	213	57	hair	hair	NOUN
fsr-3513	213	58	et	et	PROPN
fsr-3513	213	59	al	al	PROPN
fsr-3513	213	60	.	.	PROPN
fsr-3513	213	61	,	,	PUNCT
fsr-3513	213	62	2011	2011	NUM
fsr-3513	213	63	)	)	PUNCT
fsr-3513	213	64	.	.	PUNCT
fsr-3513	214	1	in	in	ADP
fsr-3513	214	2	order	order	NOUN
fsr-3513	214	3	to	to	PART
fsr-3513	214	4	perform	perform	VERB
fsr-3513	214	5	a	a	DET
fsr-3513	214	6	multigroup	multigroup	ADJ
fsr-3513	214	7	analysis	analysis	NOUN
fsr-3513	214	8	according	accord	VERB
fsr-3513	214	9	to	to	ADP
fsr-3513	214	10	racial	racial	ADJ
fsr-3513	214	11	identity	identity	NOUN
fsr-3513	214	12	in	in	ADP
fsr-3513	214	13	a	a	DET
fsr-3513	214	14	later	later	ADJ
fsr-3513	214	15	stage	stage	NOUN
fsr-3513	214	16	,	,	PUNCT
fsr-3513	214	17	convergent	convergent	NOUN
fsr-3513	214	18	validity	validity	NOUN
fsr-3513	214	19	and	and	CCONJ
fsr-3513	214	20	discriminant	discriminant	ADJ
fsr-3513	214	21	validity	validity	NOUN
fsr-3513	214	22	for	for	ADP
fsr-3513	214	23	each	each	DET
fsr-3513	214	24	racial	racial	ADJ
fsr-3513	214	25	group	group	NOUN
fsr-3513	214	26	were	be	AUX
fsr-3513	214	27	also	also	ADV
fsr-3513	214	28	tested	test	VERB
fsr-3513	214	29	to	to	PART
fsr-3513	214	30	insure	insure	VERB
fsr-3513	214	31	the	the	DET
fsr-3513	214	32	consistency	consistency	NOUN
fsr-3513	214	33	and	and	CCONJ
fsr-3513	214	34	rigor	rigor	NOUN
fsr-3513	214	35	of	of	ADP
fsr-3513	214	36	the	the	DET
fsr-3513	214	37	measuring	measure	VERB
fsr-3513	214	38	instrument	instrument	NOUN
fsr-3513	214	39	.	.	PUNCT
fsr-3513	215	1	table	table	NOUN
fsr-3513	215	2	2	2	NUM
fsr-3513	215	3	shows	show	VERB
fsr-3513	215	4	the	the	DET
fsr-3513	215	5	adequate	adequate	ADJ
fsr-3513	215	6	first	first	ADJ
fsr-3513	215	7	-	-	PUNCT
fsr-3513	215	8	order	order	NOUN
fsr-3513	215	9	constructs	construct	NOUN
fsr-3513	215	10	’	'	PUNCT
fsr-3513	215	11	reliabilities	reliability	NOUN
fsr-3513	215	12	and	and	CCONJ
fsr-3513	215	13	convergent	convergent	NOUN
fsr-3513	215	14	validities	validity	NOUN
fsr-3513	215	15	.	.	PUNCT
fsr-3513	216	1	values	value	NOUN
fsr-3513	216	2	were	be	AUX
fsr-3513	216	3	above	above	ADP
fsr-3513	216	4	the	the	DET
fsr-3513	216	5	suggested	suggest	VERB
fsr-3513	216	6	thresholds	threshold	NOUN
fsr-3513	216	7	suggested	suggest	VERB
fsr-3513	216	8	by	by	ADP
fsr-3513	216	9	hair	hair	NOUN
fsr-3513	216	10	and	and	CCONJ
fsr-3513	216	11	hult	hult	PROPN
fsr-3513	216	12	(	(	PUNCT
fsr-3513	216	13	2017	2017	NUM
fsr-3513	216	14	)	)	PUNCT
fsr-3513	216	15	.	.	PUNCT
fsr-3513	217	1	although	although	SCONJ
fsr-3513	217	2	the	the	DET
fsr-3513	217	3	ave	ave	NOUN
fsr-3513	217	4	for	for	ADP
fsr-3513	217	5	financial	financial	ADJ
fsr-3513	217	6	knowledge	knowledge	NOUN
fsr-3513	217	7	of	of	ADP
fsr-3513	217	8	the	the	DET
fsr-3513	217	9	african	african	ADJ
fsr-3513	217	10	american	american	PROPN
fsr-3513	217	11	group	group	NOUN
fsr-3513	217	12	was	be	AUX
fsr-3513	217	13	below	below	ADP
fsr-3513	217	14	0.50	0.50	NUM
fsr-3513	217	15	,	,	PUNCT
fsr-3513	217	16	the	the	DET
fsr-3513	217	17	construct	construct	NOUN
fsr-3513	217	18	was	be	AUX
fsr-3513	217	19	retained	retain	VERB
fsr-3513	217	20	due	due	ADP
fsr-3513	217	21	to	to	ADP
fsr-3513	217	22	the	the	DET
fsr-3513	217	23	acceptable	acceptable	ADJ
fsr-3513	217	24	cr	cr	NOUN
fsr-3513	217	25	and	and	CCONJ
fsr-3513	217	26	cronbach	cronbach	VERB
fsr-3513	217	27	’s	’s	PART
fsr-3513	217	28	alpha	alpha	NOUN
fsr-3513	217	29	values	value	NOUN
fsr-3513	217	30	.	.	PUNCT
fsr-3513	218	1	the	the	DET
fsr-3513	218	2	heterotrait	heterotrait	NOUN
fsr-3513	218	3	-	-	PUNCT
fsr-3513	218	4	monotrait	monotrait	NOUN
fsr-3513	218	5	(	(	PUNCT
fsr-3513	218	6	htmt	htmt	PROPN
fsr-3513	218	7	)	)	PUNCT
fsr-3513	218	8	ratio	ratio	NOUN
fsr-3513	218	9	of	of	ADP
fsr-3513	218	10	correlations	correlation	NOUN
fsr-3513	218	11	was	be	AUX
fsr-3513	218	12	used	use	VERB
fsr-3513	218	13	to	to	PART
fsr-3513	218	14	assess	assess	VERB
fsr-3513	218	15	discriminant	discriminant	ADJ
fsr-3513	218	16	validity	validity	NOUN
fsr-3513	218	17	.	.	PUNCT
fsr-3513	219	1	henseler	henseler	PROPN
fsr-3513	219	2	et	et	PROPN
fsr-3513	219	3	al	al	PROPN
fsr-3513	219	4	.	.	PROPN
fsr-3513	220	1	(	(	PUNCT
fsr-3513	220	2	2015	2015	NUM
fsr-3513	220	3	)	)	PUNCT
fsr-3513	220	4	argued	argue	VERB
fsr-3513	220	5	a	a	DET
fsr-3513	220	6	strong	strong	ADJ
fsr-3513	220	7	case	case	NOUN
fsr-3513	220	8	for	for	ADP
fsr-3513	220	9	using	use	VERB
fsr-3513	220	10	this	this	DET
fsr-3513	220	11	approach	approach	NOUN
fsr-3513	220	12	.	.	PUNCT
fsr-3513	221	1	in	in	ADP
fsr-3513	221	2	order	order	NOUN
fsr-3513	221	3	to	to	PART
fsr-3513	221	4	distinguish	distinguish	VERB
fsr-3513	221	5	between	between	ADP
fsr-3513	221	6	the	the	DET
fsr-3513	221	7	two	two	NUM
fsr-3513	221	8	factors	factor	NOUN
fsr-3513	221	9	,	,	PUNCT
fsr-3513	221	10	the	the	DET
fsr-3513	221	11	htmt	htmt	NOUN
fsr-3513	221	12	should	should	AUX
fsr-3513	221	13	be	be	AUX
fsr-3513	221	14	smaller	small	ADJ
fsr-3513	221	15	than	than	ADP
fsr-3513	221	16	0.90	0.90	NUM
fsr-3513	221	17	(	(	PUNCT
fsr-3513	221	18	henseler	henseler	NOUN
fsr-3513	221	19	et	et	PROPN
fsr-3513	221	20	al	al	PROPN
fsr-3513	221	21	.	.	PROPN
fsr-3513	221	22	,	,	PUNCT
fsr-3513	221	23	2016	2016	NUM
fsr-3513	221	24	)	)	PUNCT
fsr-3513	221	25	.	.	PUNCT
fsr-3513	222	1	as	as	SCONJ
fsr-3513	222	2	table	table	NOUN
fsr-3513	222	3	3	3	NUM
fsr-3513	222	4	shows	show	NOUN
fsr-3513	222	5	,	,	PUNCT
fsr-3513	222	6	all	all	DET
fsr-3513	222	7	correlations	correlation	NOUN
fsr-3513	222	8	complied	comply	VERB
fsr-3513	222	9	with	with	ADP
fsr-3513	222	10	this	this	DET
fsr-3513	222	11	criterion	criterion	NOUN
fsr-3513	222	12	.	.	PUNCT
fsr-3513	223	1	discriminant	discriminant	ADJ
fsr-3513	223	2	validity	validity	NOUN
fsr-3513	223	3	was	be	AUX
fsr-3513	223	4	established	establish	VERB
fsr-3513	223	5	across	across	ADP
fsr-3513	223	6	all	all	DET
fsr-3513	223	7	latent	latent	NOUN
fsr-3513	223	8	variables	variable	NOUN
fsr-3513	223	9	using	use	VERB
fsr-3513	223	10	the	the	DET
fsr-3513	223	11	htmt	htmt	NOUN
fsr-3513	223	12	criterion	criterion	NOUN
fsr-3513	223	13	,	,	PUNCT
fsr-3513	223	14	as	as	SCONJ
fsr-3513	223	15	shown	show	VERB
fsr-3513	223	16	in	in	ADP
fsr-3513	223	17	table	table	NOUN
fsr-3513	223	18	3	3	NUM
fsr-3513	223	19	.	.	PUNCT
fsr-3513	224	1	the	the	DET
fsr-3513	224	2	values	value	NOUN
fsr-3513	224	3	of	of	ADP
fsr-3513	224	4	htmt	htmt	NOUN
fsr-3513	224	5	’s	’s	PART
fsr-3513	224	6	confidence	confidence	NOUN
fsr-3513	224	7	intervals	interval	NOUN
fsr-3513	224	8	of	of	ADP
fsr-3513	224	9	the	the	DET
fsr-3513	224	10	correlations	correlation	NOUN
fsr-3513	224	11	between	between	ADP
fsr-3513	224	12	constructs	construct	NOUN
fsr-3513	224	13	were	be	AUX
fsr-3513	224	14	less	less	ADJ
fsr-3513	224	15	than	than	ADP
fsr-3513	224	16	0.80	0.80	NUM
fsr-3513	224	17	and	and	CCONJ
fsr-3513	224	18	did	do	AUX
fsr-3513	224	19	not	not	PART
fsr-3513	224	20	include	include	VERB
fsr-3513	224	21	the	the	DET
fsr-3513	224	22	value	value	NOUN
fsr-3513	224	23	of	of	ADP
fsr-3513	224	24	1.0	1.0	NUM
fsr-3513	224	25	(	(	PUNCT
fsr-3513	224	26	hair	hair	NOUN
fsr-3513	224	27	et	et	PROPN
fsr-3513	224	28	al	al	PROPN
fsr-3513	224	29	.	.	PROPN
fsr-3513	224	30	,	,	PUNCT
fsr-3513	224	31	2017	2017	NUM
fsr-3513	224	32	)	)	PUNCT
fsr-3513	224	33	,	,	PUNCT
fsr-3513	224	34	which	which	PRON
fsr-3513	224	35	supports	support	VERB
fsr-3513	224	36	the	the	DET
fsr-3513	224	37	adequacy	adequacy	NOUN
fsr-3513	224	38	of	of	ADP
fsr-3513	224	39	discriminant	discriminant	ADJ
fsr-3513	224	40	validity	validity	NOUN
fsr-3513	224	41	.	.	PUNCT
fsr-3513	225	1	6	6	NUM
fsr-3513	225	2	cronbach	cronbach	NOUN
fsr-3513	225	3	’s	’s	PART
fsr-3513	225	4	alpha	alpha	NOUN
fsr-3513	225	5	reliability	reliability	NOUN
fsr-3513	225	6	coefficient	coefficient	NOUN
fsr-3513	225	7	typically	typically	ADV
fsr-3513	225	8	ranges	range	VERB
fsr-3513	225	9	from	from	ADP
fsr-3513	225	10	0	0	NUM
fsr-3513	225	11	to	to	ADP
fsr-3513	225	12	1.0	1.0	NUM
fsr-3513	225	13	.	.	PUNCT
fsr-3513	226	1	however	however	ADV
fsr-3513	226	2	,	,	PUNCT
fsr-3513	226	3	there	there	PRON
fsr-3513	226	4	is	be	VERB
fsr-3513	226	5	no	no	DET
fsr-3513	226	6	lower	low	ADJ
fsr-3513	226	7	limit	limit	NOUN
fsr-3513	226	8	to	to	ADP
fsr-3513	226	9	the	the	DET
fsr-3513	226	10	coefficient	coefficient	NOUN
fsr-3513	226	11	.	.	PUNCT
fsr-3513	227	1	the	the	DET
fsr-3513	227	2	closer	close	ADJ
fsr-3513	227	3	cronbach	cronbach	NOUN
fsr-3513	227	4	’s	’s	PART
fsr-3513	227	5	alpha	alpha	ADJ
fsr-3513	227	6	coefficient	coefficient	NOUN
fsr-3513	227	7	is	be	AUX
fsr-3513	227	8	to	to	ADP
fsr-3513	227	9	1.0	1.0	NUM
fsr-3513	227	10	,	,	PUNCT
fsr-3513	227	11	the	the	PRON
fsr-3513	227	12	greater	great	ADJ
fsr-3513	227	13	the	the	DET
fsr-3513	227	14	internal	internal	ADJ
fsr-3513	227	15	consistency	consistency	NOUN
fsr-3513	227	16	of	of	ADP
fsr-3513	227	17	the	the	DET
fsr-3513	227	18	items	item	NOUN
fsr-3513	227	19	in	in	ADP
fsr-3513	227	20	the	the	DET
fsr-3513	227	21	scale	scale	NOUN
fsr-3513	227	22	.	.	PUNCT
fsr-3513	228	1	young	young	ADJ
fsr-3513	228	2	et	et	PROPN
fsr-3513	228	3	al	al	PROPN
fsr-3513	228	4	.	.	PROPN
fsr-3513	229	1	63	63	NUM
fsr-3513	229	2	table	table	NOUN
fsr-3513	229	3	2	2	NUM
fsr-3513	229	4	.	.	PUNCT
fsr-3513	229	5	measures	measure	NOUN
fsr-3513	229	6	of	of	ADP
fsr-3513	229	7	convergent	convergent	ADJ
fsr-3513	229	8	validity	validity	NOUN
fsr-3513	229	9	overall	overall	ADJ
fsr-3513	229	10	african	african	PROPN
fsr-3513	229	11	european	european	PROPN
fsr-3513	229	12	construct	construct	VERB
fsr-3513	229	13	items	item	NOUN
fsr-3513	229	14	loadings	loading	NOUN
fsr-3513	229	15	alpha	alpha	NOUN
fsr-3513	229	16	cr	cr	PROPN
fsr-3513	229	17	(	(	PUNCT
fsr-3513	229	18	ave	ave	PROPN
fsr-3513	229	19	)	)	PUNCT
fsr-3513	229	20	loadings	loading	NOUN
fsr-3513	229	21	alpha	alpha	NOUN
fsr-3513	229	22	cr	cr	PROPN
fsr-3513	229	23	(	(	PUNCT
fsr-3513	229	24	ave	ave	PROPN
fsr-3513	229	25	)	)	PUNCT
fsr-3513	229	26	loadings	loading	NOUN
fsr-3513	229	27	alpha	alpha	NOUN
fsr-3513	229	28	cr	cr	PROPN
fsr-3513	229	29	(	(	PUNCT
fsr-3513	229	30	ave	ave	PROPN
fsr-3513	229	31	)	)	PUNCT
fsr-3513	229	32	fgoals	fgoal	NOUN
fsr-3513	229	33	fgoal1	fgoal1	NOUN
fsr-3513	229	34	0.523	0.523	NUM
fsr-3513	229	35	0.715	0.715	NUM
fsr-3513	229	36	0.822	0.822	NUM
fsr-3513	229	37	0.542	0.542	NUM
fsr-3513	229	38	0.481	0.481	NUM
fsr-3513	229	39	0.706	0.706	NUM
fsr-3513	229	40	0.817	0.817	NUM
fsr-3513	229	41	0.538	0.538	NUM
fsr-3513	229	42	0.520	0.520	NUM
fsr-3513	229	43	0.718	0.718	NUM
fsr-3513	229	44	0.822	0.822	NUM
fsr-3513	229	45	0.542	0.542	NUM
fsr-3513	229	46	fgoal2	fgoal2	NOUN
fsr-3513	229	47	0.736	0.736	NUM
fsr-3513	229	48	0.703	0.703	NUM
fsr-3513	229	49	0.752	0.752	NUM
fsr-3513	229	50	fgoal3	fgoal3	NOUN
fsr-3513	229	51	0.855	0.855	NUM
fsr-3513	229	52	0.852	0.852	NUM
fsr-3513	229	53	0.851	0.851	NUM
fsr-3513	229	54	fgoal4	fgoal4	NOUN
fsr-3513	229	55	0.790	0.790	NUM
fsr-3513	229	56	0.837	0.837	NUM
fsr-3513	229	57	0.780	0.780	NUM
fsr-3513	229	58	fmbeh	fmbeh	NOUN
fsr-3513	229	59	fmbeh1	fmbeh1	NOUN
fsr-3513	230	1	0.788	0.788	NUM
fsr-3513	230	2	0.760	0.760	NUM
fsr-3513	230	3	0.847	0.847	NUM
fsr-3513	230	4	0.581	0.581	NUM
fsr-3513	230	5	0.799	0.799	NUM
fsr-3513	230	6	0.779	0.779	NUM
fsr-3513	230	7	0.858	0.858	NUM
fsr-3513	230	8	0.603	0.603	NUM
fsr-3513	230	9	0.775	0.775	NUM
fsr-3513	230	10	0.747	0.747	NUM
fsr-3513	230	11	0.839	0.839	NUM
fsr-3513	230	12	0.567	0.567	NUM
fsr-3513	230	13	fmbeh2	fmbeh2	NOUN
fsr-3513	230	14	0.804	0.804	NUM
fsr-3513	230	15	0.855	0.855	NUM
fsr-3513	230	16	0.785	0.785	NUM
fsr-3513	230	17	fmbeh3	fmbeh3	NOUN
fsr-3513	230	18	0.750	0.750	NUM
fsr-3513	230	19	0.722	0.722	NUM
fsr-3513	230	20	0.761	0.761	NUM
fsr-3513	230	21	fmbeh4	fmbeh4	NOUN
fsr-3513	230	22	0.701	0.701	NUM
fsr-3513	230	23	0.722	0.722	NUM
fsr-3513	230	24	0.687	0.687	NUM
fsr-3513	230	25	fskills	fskill	NOUN
fsr-3513	230	26	fskill1	fskill1	PROPN
fsr-3513	230	27	0.847	0.847	NUM
fsr-3513	230	28	0.896	0.896	NUM
fsr-3513	230	29	0.916	0.916	NUM
fsr-3513	230	30	0.551	0.551	NUM
fsr-3513	230	31	0.841	0.841	NUM
fsr-3513	230	32	0.902	0.902	NUM
fsr-3513	230	33	0.921	0.921	NUM
fsr-3513	230	34	0.571	0.571	NUM
fsr-3513	230	35	0.853	0.853	NUM
fsr-3513	230	36	0.894	0.894	NUM
fsr-3513	230	37	0.915	0.915	NUM
fsr-3513	230	38	0.550	0.550	NUM
fsr-3513	230	39	fskill2	fskill2	NOUN
fsr-3513	230	40	0.738	0.738	NUM
fsr-3513	230	41	0.812	0.812	NUM
fsr-3513	230	42	0.739	0.739	NUM
fsr-3513	230	43	fskill3	fskill3	NOUN
fsr-3513	230	44	0.780	0.780	NUM
fsr-3513	230	45	0.806	0.806	NUM
fsr-3513	230	46	0.769	0.769	NUM
fsr-3513	230	47	fskill4	fskill4	NOUN
fsr-3513	230	48	0.817	0.817	NUM
fsr-3513	230	49	0.867	0.867	NUM
fsr-3513	230	50	0.821	0.821	NUM
fsr-3513	230	51	fskill5	fskill5	NOUN
fsr-3513	230	52	0.739	0.739	NUM
fsr-3513	230	53	0.742	0.742	NUM
fsr-3513	230	54	0.746	0.746	NUM
fsr-3513	230	55	fskill6	fskill6	NOUN
fsr-3513	230	56	0.777	0.777	NUM
fsr-3513	230	57	0.766	0.766	NUM
fsr-3513	230	58	0.780	0.780	NUM
fsr-3513	230	59	fskill7	fskill7	NOUN
fsr-3513	230	60	0.803	0.803	NUM
fsr-3513	230	61	0.835	0.835	NUM
fsr-3513	230	62	0.808	0.808	NUM
fsr-3513	230	63	fskill8	fskill8	NOUN
fsr-3513	230	64	0.569	0.569	NUM
fsr-3513	230	65	0.507	0.507	NUM
fsr-3513	230	66	0.549	0.549	NUM
fsr-3513	230	67	fskill9	fskill9	NOUN
fsr-3513	230	68	0.552	0.552	NUM
fsr-3513	230	69	0.532	0.532	NUM
fsr-3513	230	70	0.536	0.536	NUM
fsr-3513	230	71	fsoc	fsoc	NOUN
fsr-3513	230	72	fsoc1	fsoc1	NOUN
fsr-3513	230	73	0.668	0.668	NUM
fsr-3513	230	74	0.806	0.806	NUM
fsr-3513	230	75	0.865	0.865	NUM
fsr-3513	230	76	0.563	0.563	NUM
fsr-3513	230	77	0.717	0.717	NUM
fsr-3513	230	78	0.826	0.826	NUM
fsr-3513	230	79	0.877	0.877	NUM
fsr-3513	230	80	0.588	0.588	NUM
fsr-3513	230	81	0.665	0.665	NUM
fsr-3513	230	82	0.796	0.796	NUM
fsr-3513	230	83	0.860	0.860	NUM
fsr-3513	230	84	0.551	0.551	NUM
fsr-3513	230	85	fsoc2	fsoc2	NOUN
fsr-3513	230	86	0.795	0.795	NUM
fsr-3513	230	87	0.777	0.777	NUM
fsr-3513	230	88	0.789	0.789	NUM
fsr-3513	230	89	fsoc3	fsoc3	NOUN
fsr-3513	230	90	0.718	0.718	NUM
fsr-3513	230	91	0.760	0.760	NUM
fsr-3513	230	92	0.717	0.717	NUM
fsr-3513	230	93	fsoc4	fsoc4	NOUN
fsr-3513	231	1	0.787	0.787	NUM
fsr-3513	231	2	0.816	0.816	NUM
fsr-3513	231	3	0.769	0.769	NUM
fsr-3513	231	4	fsoc5	fsoc5	NOUN
fsr-3513	231	5	0.776	0.776	NUM
fsr-3513	231	6	0.759	0.759	NUM
fsr-3513	231	7	0.767	0.767	NUM
fsr-3513	231	8	fwb	fwb	ADJ
fsr-3513	231	9	fwb1	fwb1	NOUN
fsr-3513	231	10	0.820	0.820	NUM
fsr-3513	231	11	0.870	0.870	NUM
fsr-3513	231	12	0.902	0.902	NUM
fsr-3513	231	13	0.606	0.606	NUM
fsr-3513	231	14	0.772	0.772	NUM
fsr-3513	231	15	0.851	0.851	NUM
fsr-3513	231	16	0.887	0.887	NUM
fsr-3513	231	17	0.569	0.569	NUM
fsr-3513	231	18	0.835	0.835	NUM
fsr-3513	231	19	0.875	0.875	NUM
fsr-3513	231	20	0.905	0.905	NUM
fsr-3513	231	21	0.616	0.616	NUM
fsr-3513	231	22	fwb2	fwb2	NOUN
fsr-3513	231	23	0.695	0.695	NUM
fsr-3513	231	24	0.577	0.577	NUM
fsr-3513	231	25	0.702	0.702	NUM
fsr-3513	231	26	fwb3	fwb3	NOUN
fsr-3513	231	27	0.733	0.733	NUM
fsr-3513	231	28	0.734	0.734	NUM
fsr-3513	231	29	0.745	0.745	NUM
fsr-3513	231	30	fwb4	fwb4	VERB
fsr-3513	231	31	0.844	0.844	NUM
fsr-3513	231	32	0.814	0.814	NUM
fsr-3513	231	33	0.847	0.847	NUM
fsr-3513	231	34	fwb5	fwb5	ADJ
fsr-3513	231	35	0.789	0.789	NUM
fsr-3513	231	36	0.823	0.823	NUM
fsr-3513	231	37	0.778	0.778	NUM
fsr-3513	231	38	fwb6	fwb6	PROPN
fsr-3513	231	39	0.781	0.781	NUM
fsr-3513	231	40	0.778	0.778	NUM
fsr-3513	231	41	0.791	0.791	NUM
fsr-3513	231	42	khk	khk	NOUN
fsr-3513	231	43	khk1	khk1	NOUN
fsr-3513	231	44	0.782	0.782	NUM
fsr-3513	231	45	0.678	0.678	NUM
fsr-3513	231	46	0.802	0.802	NUM
fsr-3513	231	47	0.505	0.505	NUM
fsr-3513	231	48	0.733	0.733	NUM
fsr-3513	231	49	0.622	0.622	NUM
fsr-3513	231	50	0.677	0.677	NUM
fsr-3513	231	51	0.394	0.394	NUM
fsr-3513	231	52	0.781	0.781	NUM
fsr-3513	231	53	0.655	0.655	NUM
fsr-3513	231	54	0.791	0.791	NUM
fsr-3513	231	55	0.489	0.489	NUM
fsr-3513	231	56	khk2	khk2	VERB
fsr-3513	231	57	0.737	0.737	NUM
fsr-3513	231	58	0.695	0.695	NUM
fsr-3513	231	59	0.711	0.711	NUM
fsr-3513	231	60	khk3	khk3	NOUN
fsr-3513	231	61	0.675	0.675	NUM
fsr-3513	231	62	0.742	0.742	NUM
fsr-3513	231	63	0.684	0.684	NUM
fsr-3513	231	64	khk4	khk4	NOUN
fsr-3513	231	65	0.641	0.641	NUM
fsr-3513	231	66	0.081	0.081	NUM
fsr-3513	231	67	0.610	0.610	NUM
fsr-3513	231	68	scon	scon	PROPN
fsr-3513	231	69	scon1	scon1	NOUN
fsr-3513	232	1	0.856	0.856	NUM
fsr-3513	232	2	0.709	0.709	NUM
fsr-3513	232	3	0.872	0.872	NUM
fsr-3513	232	4	0.773	0.773	NUM
fsr-3513	232	5	0.901	0.901	NUM
fsr-3513	232	6	0.814	0.814	NUM
fsr-3513	232	7	0.914	0.914	NUM
fsr-3513	232	8	0.842	0.842	NUM
fsr-3513	232	9	0.839	0.839	NUM
fsr-3513	232	10	0.670	0.670	NUM
fsr-3513	232	11	0.857	0.857	NUM
fsr-3513	232	12	0.750	0.750	NUM
fsr-3513	232	13	scon2	scon2	NOUN
fsr-3513	232	14	0.902	0.902	NUM
fsr-3513	232	15	0.934	0.934	NUM
fsr-3513	232	16	0.893	0.893	NUM
fsr-3513	232	17	swb	swb	PROPN
fsr-3513	232	18	swb1	swb1	PROPN
fsr-3513	232	19	0.901	0.901	NUM
fsr-3513	232	20	0.792	0.792	NUM
fsr-3513	232	21	0.869	0.869	NUM
fsr-3513	232	22	0.691	0.691	NUM
fsr-3513	232	23	0.943	0.943	NUM
fsr-3513	232	24	0.740	0.740	NUM
fsr-3513	232	25	0.815	0.815	NUM
fsr-3513	232	26	0.602	0.602	NUM
fsr-3513	232	27	0.899	0.899	NUM
fsr-3513	232	28	0.805	0.805	NUM
fsr-3513	232	29	0.878	0.878	NUM
fsr-3513	232	30	0.707	0.707	NUM
fsr-3513	232	31	swb2	swb2	NOUN
fsr-3513	232	32	0.866	0.866	NUM
fsr-3513	232	33	0.690	0.690	NUM
fsr-3513	232	34	0.890	0.890	NUM
fsr-3513	232	35	swb3	swb3	NOUN
fsr-3513	232	36	0.715	0.715	NOUN
fsr-3513	232	37	0.663	0.663	NUM
fsr-3513	232	38	0.722	0.722	NUM
fsr-3513	232	39	financial	financial	ADJ
fsr-3513	232	40	services	service	NOUN
fsr-3513	232	41	review	review	NOUN
fsr-3513	232	42	,	,	PUNCT
fsr-3513	232	43	32(2	32(2	NUM
fsr-3513	232	44	)	)	PUNCT
fsr-3513	232	45	64	64	NUM
fsr-3513	232	46	table	table	NOUN
fsr-3513	232	47	3	3	NUM
fsr-3513	232	48	.	.	PUNCT
fsr-3513	233	1	discriminant	discriminant	ADJ
fsr-3513	233	2	validity	validity	NOUN
fsr-3513	233	3	coefficients	coefficient	VERB
fsr-3513	233	4	race	race	NOUN
fsr-3513	233	5	fgoals	fgoal	NOUN
fsr-3513	233	6	fmbeh	fmbeh	NOUN
fsr-3513	233	7	fskills	fskill	VERB
fsr-3513	233	8	fsoc	fsoc	PROPN
fsr-3513	233	9	fwb	fwb	PROPN
fsr-3513	233	10	khk	khk	PROPN
fsr-3513	233	11	scon	scon	PROPN
fsr-3513	233	12	swb	swb	PROPN
fsr-3513	233	13	overall	overall	ADJ
fsr-3513	233	14	fgoals	fgoal	NOUN
fsr-3513	233	15	fmbeh	fmbeh	NOUN
fsr-3513	233	16	0.714	0.714	NUM
fsr-3513	233	17	fskills	fskill	NOUN
fsr-3513	233	18	0.761	0.761	NUM
fsr-3513	233	19	0.650	0.650	NUM
fsr-3513	233	20	fsoc	fsoc	NOUN
fsr-3513	233	21	0.330	0.330	NUM
fsr-3513	233	22	0.231	0.231	NUM
fsr-3513	233	23	0.305	0.305	NUM
fsr-3513	233	24	fwb	fwb	NOUN
fsr-3513	233	25	0.416	0.416	NUM
fsr-3513	233	26	0.547	0.547	NUM
fsr-3513	233	27	0.407	0.407	NUM
fsr-3513	233	28	0.157	0.157	NUM
fsr-3513	233	29	khk	khk	NOUN
fsr-3513	233	30	0.220	0.220	NUM
fsr-3513	233	31	0.315	0.315	NUM
fsr-3513	233	32	0.209	0.209	NUM
fsr-3513	233	33	0.188	0.188	NUM
fsr-3513	233	34	0.191	0.191	NUM
fsr-3513	233	35	scon	scon	NOUN
fsr-3513	233	36	0.603	0.603	NUM
fsr-3513	233	37	0.497	0.497	NUM
fsr-3513	233	38	0.624	0.624	NUM
fsr-3513	233	39	0.326	0.326	NUM
fsr-3513	233	40	0.270	0.270	NUM
fsr-3513	233	41	0.315	0.315	NUM
fsr-3513	233	42	swb	swb	PROPN
fsr-3513	233	43	0.454	0.454	NUM
fsr-3513	233	44	0.350	0.350	NUM
fsr-3513	233	45	0.434	0.434	NUM
fsr-3513	233	46	0.241	0.241	NUM
fsr-3513	233	47	0.405	0.405	NUM
fsr-3513	233	48	0.098	0.098	NUM
fsr-3513	233	49	0.377	0.377	NUM
fsr-3513	233	50	african	african	ADJ
fsr-3513	233	51	fgoals	fgoal	NOUN
fsr-3513	233	52	fmbeh	fmbeh	NOUN
fsr-3513	233	53	0.790	0.790	NUM
fsr-3513	233	54	fskills	fskill	VERB
fsr-3513	233	55	0.739	0.739	NUM
fsr-3513	233	56	0.625	0.625	NUM
fsr-3513	233	57	fsoc	fsoc	NOUN
fsr-3513	233	58	0.337	0.337	NUM
fsr-3513	233	59	0.224	0.224	NUM
fsr-3513	233	60	0.316	0.316	NUM
fsr-3513	233	61	fwb	fwb	NOUN
fsr-3513	233	62	0.427	0.427	NUM
fsr-3513	233	63	0.452	0.452	NUM
fsr-3513	233	64	0.292	0.292	NUM
fsr-3513	233	65	0.103	0.103	NUM
fsr-3513	233	66	khk	khk	NOUN
fsr-3513	233	67	0.199	0.199	NUM
fsr-3513	233	68	0.177	0.177	NUM
fsr-3513	233	69	0.082	0.082	NUM
fsr-3513	233	70	0.078	0.078	NUM
fsr-3513	233	71	0.276	0.276	NUM
fsr-3513	233	72	scon	scon	NOUN
fsr-3513	233	73	0.573	0.573	NUM
fsr-3513	233	74	0.444	0.444	NUM
fsr-3513	233	75	0.485	0.485	NUM
fsr-3513	233	76	0.237	0.237	NUM
fsr-3513	233	77	0.165	0.165	NUM
fsr-3513	233	78	0.280	0.280	NUM
fsr-3513	233	79	swb	swb	PROPN
fsr-3513	233	80	0.316	0.316	NUM
fsr-3513	233	81	0.240	0.240	NUM
fsr-3513	233	82	0.438	0.438	NUM
fsr-3513	233	83	0.182	0.182	NUM
fsr-3513	233	84	0.236	0.236	NUM
fsr-3513	233	85	0.075	0.075	NUM
fsr-3513	233	86	0.312	0.312	NUM
fsr-3513	233	87	european	european	ADJ
fsr-3513	233	88	fgoals	fgoal	NOUN
fsr-3513	233	89	fmbeh	fmbeh	VERB
fsr-3513	233	90	0.717	0.717	NUM
fsr-3513	233	91	fskills	fskill	NOUN
fsr-3513	233	92	0.778	0.778	NUM
fsr-3513	233	93	0.681	0.681	NUM
fsr-3513	233	94	fsoc	fsoc	NOUN
fsr-3513	233	95	0.341	0.341	NUM
fsr-3513	233	96	0.237	0.237	NUM
fsr-3513	233	97	0.292	0.292	NUM
fsr-3513	233	98	fwb	fwb	PROPN
fsr-3513	233	99	0.445	0.445	NUM
fsr-3513	233	100	0.621	0.621	NUM
fsr-3513	233	101	0.502	0.502	NUM
fsr-3513	233	102	0.204	0.204	NUM
fsr-3513	233	103	khk	khk	NOUN
fsr-3513	233	104	0.296	0.296	NUM
fsr-3513	233	105	0.368	0.368	NUM
fsr-3513	233	106	0.271	0.271	NUM
fsr-3513	233	107	0.205	0.205	NUM
fsr-3513	233	108	0.179	0.179	NUM
fsr-3513	233	109	scon	scon	NOUN
fsr-3513	233	110	0.685	0.685	NUM
fsr-3513	233	111	0.593	0.593	NUM
fsr-3513	233	112	0.679	0.679	NUM
fsr-3513	233	113	0.329	0.329	NUM
fsr-3513	233	114	0.379	0.379	NUM
fsr-3513	233	115	0.340	0.340	NUM
fsr-3513	233	116	swb	swb	PROPN
fsr-3513	233	117	0.466	0.466	NUM
fsr-3513	233	118	0.379	0.379	NUM
fsr-3513	233	119	0.453	0.453	NUM
fsr-3513	233	120	0.276	0.276	NUM
fsr-3513	233	121	0.480	0.480	NUM
fsr-3513	233	122	0.188	0.188	NUM
fsr-3513	233	123	0.408	0.408	NUM
fsr-3513	233	124	structural	structural	ADJ
fsr-3513	233	125	model	model	NOUN
fsr-3513	233	126	bootstrapping	bootstrapping	NOUN
fsr-3513	233	127	was	be	AUX
fsr-3513	233	128	used	use	VERB
fsr-3513	233	129	to	to	PART
fsr-3513	233	130	determine	determine	VERB
fsr-3513	233	131	whether	whether	SCONJ
fsr-3513	233	132	the	the	DET
fsr-3513	233	133	path	path	NOUN
fsr-3513	233	134	connections	connection	NOUN
fsr-3513	233	135	for	for	ADP
fsr-3513	233	136	overall	overall	ADJ
fsr-3513	233	137	and	and	CCONJ
fsr-3513	233	138	racial	racial	ADJ
fsr-3513	233	139	-	-	PUNCT
fsr-3513	233	140	based	base	VERB
fsr-3513	233	141	models	model	NOUN
fsr-3513	233	142	were	be	AUX
fsr-3513	233	143	significant	significant	ADJ
fsr-3513	233	144	.	.	PUNCT
fsr-3513	234	1	to	to	PART
fsr-3513	234	2	estimate	estimate	VERB
fsr-3513	234	3	the	the	DET
fsr-3513	234	4	model	model	NOUN
fsr-3513	234	5	for	for	ADP
fsr-3513	234	6	each	each	DET
fsr-3513	234	7	subsample	subsample	NOUN
fsr-3513	234	8	,	,	PUNCT
fsr-3513	234	9	a	a	DET
fsr-3513	234	10	set	set	NOUN
fsr-3513	234	11	of	of	ADP
fsr-3513	234	12	7,000	7,000	NUM
fsr-3513	234	13	cases	case	NOUN
fsr-3513	234	14	of	of	ADP
fsr-3513	234	15	bootstrapped	bootstrappe	VERB
fsr-3513	234	16	sub	sub	NOUN
fsr-3513	234	17	-	-	NOUN
fsr-3513	234	18	samples	sample	NOUN
fsr-3513	234	19	were	be	AUX
fsr-3513	234	20	created	create	VERB
fsr-3513	234	21	for	for	ADP
fsr-3513	234	22	the	the	DET
fsr-3513	234	23	procedure	procedure	NOUN
fsr-3513	234	24	(	(	PUNCT
fsr-3513	234	25	hair	hair	NOUN
fsr-3513	234	26	et	et	PROPN
fsr-3513	234	27	al	al	PROPN
fsr-3513	234	28	.	.	PROPN
fsr-3513	234	29	,	,	PUNCT
fsr-3513	234	30	2011	2011	NUM
fsr-3513	234	31	)	)	PUNCT
fsr-3513	234	32	.	.	PUNCT
fsr-3513	235	1	the	the	DET
fsr-3513	235	2	hypothetical	hypothetical	ADJ
fsr-3513	235	3	testing	testing	NOUN
fsr-3513	235	4	and	and	CCONJ
fsr-3513	235	5	t	t	NOUN
fsr-3513	235	6	values	value	NOUN
fsr-3513	235	7	for	for	ADP
fsr-3513	235	8	each	each	DET
fsr-3513	235	9	path	path	NOUN
fsr-3513	235	10	relationship	relationship	NOUN
fsr-3513	235	11	are	be	AUX
fsr-3513	235	12	shown	show	VERB
fsr-3513	235	13	in	in	ADP
fsr-3513	235	14	table	table	NOUN
fsr-3513	235	15	4	4	NUM
fsr-3513	235	16	.	.	PUNCT
fsr-3513	236	1	young	young	PROPN
fsr-3513	236	2	et	et	PROPN
fsr-3513	236	3	al	al	PROPN
fsr-3513	236	4	.	.	PROPN
fsr-3513	237	1	65	65	NUM
fsr-3513	237	2	table	table	NOUN
fsr-3513	237	3	4	4	NUM
fsr-3513	237	4	.	.	PUNCT
fsr-3513	237	5	path	path	NOUN
fsr-3513	237	6	coefficient	coefficient	VERB
fsr-3513	237	7	racial	racial	ADJ
fsr-3513	237	8	group	group	NOUN
fsr-3513	237	9	path	path	PROPN
fsr-3513	237	10	relationship	relationship	NOUN
fsr-3513	237	11	beta	beta	NOUN
fsr-3513	237	12	value	value	NOUN
fsr-3513	237	13	std	std	NOUN
fsr-3513	237	14	.	.	NOUN
fsr-3513	237	15	error	error	NOUN
fsr-3513	237	16	t	t	NOUN
fsr-3513	237	17	-	-	PUNCT
fsr-3513	237	18	value	value	NOUN
fsr-3513	237	19	decision	decision	NOUN
fsr-3513	237	20	overall	overall	ADJ
fsr-3513	237	21	fgoals	fgoal	NOUN
fsr-3513	237	22	→	→	SYM
fsr-3513	237	23	fmbeh	fmbeh	NOUN
fsr-3513	237	24	0.327	0.327	NUM
fsr-3513	237	25	0.023	0.023	NUM
fsr-3513	237	26	13.973	13.973	NUM
fsr-3513	238	1	*	*	PUNCT
fsr-3513	238	2	*	*	PUNCT
fsr-3513	238	3	*	*	PUNCT
fsr-3513	238	4	supported	support	VERB
fsr-3513	238	5	fgoals	fgoal	NOUN
fsr-3513	238	6	→	→	SYM
fsr-3513	238	7	fskills	fskill	VERB
fsr-3513	238	8	0.519	0.519	NUM
fsr-3513	238	9	0.016	0.016	NUM
fsr-3513	238	10	32.860	32.860	NUM
fsr-3513	238	11	*	*	PUNCT
fsr-3513	238	12	*	*	PUNCT
fsr-3513	238	13	*	*	PUNCT
fsr-3513	238	14	supported	support	VERB
fsr-3513	238	15	fmbeh	fmbeh	NOUN
fsr-3513	238	16	→	→	PUNCT
fsr-3513	238	17	fwb	fwb	X
fsr-3513	238	18	–	–	PUNCT
fsr-3513	238	19	0.470	0.470	NUM
fsr-3513	238	20	0.019	0.019	NUM
fsr-3513	238	21	25.258	25.258	NUM
fsr-3513	238	22	*	*	PUNCT
fsr-3513	238	23	*	*	PUNCT
fsr-3513	238	24	*	*	PUNCT
fsr-3513	238	25	supported	support	VERB
fsr-3513	238	26	fskills	fskill	NOUN
fsr-3513	238	27	→	→	SYM
fsr-3513	238	28	fmbeh	fmbeh	NOUN
fsr-3513	238	29	0.297	0.297	NUM
fsr-3513	238	30	0.020	0.020	NUM
fsr-3513	238	31	14.903	14.903	NUM
fsr-3513	238	32	*	*	PUNCT
fsr-3513	238	33	*	*	PUNCT
fsr-3513	238	34	*	*	PUNCT
fsr-3513	238	35	supported	support	VERB
fsr-3513	238	36	fsoc	fsoc	NOUN
fsr-3513	238	37	→	→	SYM
fsr-3513	238	38	fgoals	fgoal	NOUN
fsr-3513	238	39	0.250	0.250	NUM
fsr-3513	238	40	0.018	0.018	NUM
fsr-3513	238	41	13.560	13.560	NUM
fsr-3513	239	1	*	*	PUNCT
fsr-3513	239	2	*	*	PUNCT
fsr-3513	239	3	*	*	PUNCT
fsr-3513	239	4	supported	support	VERB
fsr-3513	239	5	fsoc	fsoc	NOUN
fsr-3513	239	6	→	→	SYM
fsr-3513	239	7	khk	khk	NOUN
fsr-3513	239	8	0.146	0.146	NUM
fsr-3513	239	9	0.028	0.028	NUM
fsr-3513	239	10	5.142	5.142	NUM
fsr-3513	240	1	*	*	PUNCT
fsr-3513	240	2	*	*	PUNCT
fsr-3513	240	3	*	*	PUNCT
fsr-3513	240	4	supported	support	VERB
fsr-3513	240	5	fsoc	fsoc	NOUN
fsr-3513	240	6	→	→	SYM
fsr-3513	240	7	scon	scon	NOUN
fsr-3513	240	8	0.253	0.253	NUM
fsr-3513	240	9	0.026	0.026	NUM
fsr-3513	240	10	9.570	9.570	NUM
fsr-3513	240	11	*	*	PUNCT
fsr-3513	240	12	*	*	PUNCT
fsr-3513	240	13	*	*	PUNCT
fsr-3513	240	14	supported	support	VERB
fsr-3513	240	15	fwb	fwb	PROPN
fsr-3513	240	16	→	→	PUNCT
fsr-3513	240	17	swb	swb	PROPN
fsr-3513	240	18	–	–	PUNCT
fsr-3513	241	1	0.377	0.377	NUM
fsr-3513	241	2	0.020	0.020	NUM
fsr-3513	241	3	18.933	18.933	NUM
fsr-3513	241	4	*	*	PUNCT
fsr-3513	241	5	*	*	PUNCT
fsr-3513	241	6	*	*	PUNCT
fsr-3513	241	7	supported	support	VERB
fsr-3513	241	8	khk	khk	NOUN
fsr-3513	241	9	→	→	SYM
fsr-3513	241	10	fmbeh	fmbeh	NOUN
fsr-3513	241	11	0.132	0.132	NUM
fsr-3513	241	12	0.017	0.017	NUM
fsr-3513	241	13	7.962	7.962	NUM
fsr-3513	241	14	*	*	PUNCT
fsr-3513	241	15	*	*	PUNCT
fsr-3513	241	16	*	*	PUNCT
fsr-3513	241	17	supported	support	VERB
fsr-3513	241	18	khk	khk	NOUN
fsr-3513	241	19	→	→	SYM
fsr-3513	241	20	fskills	fskill	NOUN
fsr-3513	241	21	0.038	0.038	NUM
fsr-3513	241	22	0.017	0.017	NUM
fsr-3513	241	23	2.243	2.243	NUM
fsr-3513	241	24	*	*	PUNCT
fsr-3513	241	25	*	*	PUNCT
fsr-3513	241	26	supported	support	VERB
fsr-3513	241	27	scon	scon	NOUN
fsr-3513	241	28	→	→	SYM
fsr-3513	241	29	fmbeh	fmbeh	NOUN
fsr-3513	241	30	0.045	0.045	NUM
fsr-3513	241	31	0.021	0.021	NUM
fsr-3513	241	32	2.196	2.196	NUM
fsr-3513	241	33	*	*	PUNCT
fsr-3513	241	34	*	*	PUNCT
fsr-3513	241	35	supported	support	VERB
fsr-3513	241	36	scon	scon	NOUN
fsr-3513	241	37	→	→	SYM
fsr-3513	241	38	fskills	fskill	VERB
fsr-3513	241	39	0.262	0.262	NUM
fsr-3513	241	40	0.021	0.021	NUM
fsr-3513	241	41	12.486	12.486	NUM
fsr-3513	242	1	*	*	PUNCT
fsr-3513	242	2	*	*	PUNCT
fsr-3513	242	3	*	*	PUNCT
fsr-3513	242	4	supported	support	VERB
fsr-3513	242	5	african	african	ADJ
fsr-3513	242	6	fgoals	fgoal	NOUN
fsr-3513	242	7	→	→	SYM
fsr-3513	242	8	fmbeh	fmbeh	NOUN
fsr-3513	242	9	0.424	0.424	NUM
fsr-3513	242	10	0.048	0.048	NUM
fsr-3513	242	11	8.827	8.827	NUM
fsr-3513	242	12	*	*	PUNCT
fsr-3513	243	1	*	*	PUNCT
fsr-3513	243	2	*	*	PUNCT
fsr-3513	243	3	supported	support	VERB
fsr-3513	243	4	fgoals	fgoal	NOUN
fsr-3513	243	5	→	→	SYM
fsr-3513	243	6	fskills	fskill	VERB
fsr-3513	243	7	0.541	0.541	NUM
fsr-3513	243	8	0.038	0.038	NUM
fsr-3513	243	9	14.197	14.197	NUM
fsr-3513	243	10	*	*	PUNCT
fsr-3513	243	11	*	*	PUNCT
fsr-3513	243	12	*	*	PUNCT
fsr-3513	243	13	supported	support	VERB
fsr-3513	243	14	fmbeh	fmbeh	NOUN
fsr-3513	243	15	→	→	PUNCT
fsr-3513	243	16	fwb	fwb	PROPN
fsr-3513	243	17	–	–	PUNCT
fsr-3513	243	18	0.405	0.405	NUM
fsr-3513	243	19	0.050	0.050	NUM
fsr-3513	243	20	8.015	8.015	NUM
fsr-3513	243	21	*	*	PUNCT
fsr-3513	244	1	*	*	PUNCT
fsr-3513	244	2	*	*	PUNCT
fsr-3513	244	3	supported	support	VERB
fsr-3513	244	4	fskills	fskill	NOUN
fsr-3513	244	5	→	→	SYM
fsr-3513	244	6	fmbeh	fmbeh	NOUN
fsr-3513	244	7	0.260	0.260	NUM
fsr-3513	244	8	0.060	0.060	NUM
fsr-3513	244	9	4.356	4.356	NUM
fsr-3513	244	10	*	*	PUNCT
fsr-3513	244	11	*	*	PUNCT
fsr-3513	244	12	*	*	PUNCT
fsr-3513	244	13	supported	support	VERB
fsr-3513	244	14	fsoc	fsoc	NOUN
fsr-3513	244	15	→	→	SYM
fsr-3513	244	16	fgoals	fgoal	NOUN
fsr-3513	244	17	0.261	0.261	NUM
fsr-3513	244	18	0.043	0.043	NUM
fsr-3513	244	19	6.064	6.064	NUM
fsr-3513	244	20	*	*	PUNCT
fsr-3513	244	21	*	*	PUNCT
fsr-3513	244	22	*	*	PUNCT
fsr-3513	244	23	supported	support	VERB
fsr-3513	244	24	fsoc	fsoc	NOUN
fsr-3513	244	25	→	→	SYM
fsr-3513	244	26	khk	khk	NOUN
fsr-3513	244	27	0.000	0.000	NUM
fsr-3513	244	28	0.089	0.089	NUM
fsr-3513	244	29	0.002	0.002	NUM
fsr-3513	244	30	not	not	PART
fsr-3513	244	31	supported	support	VERB
fsr-3513	244	32	fsoc	fsoc	NOUN
fsr-3513	244	33	→	→	SYM
fsr-3513	244	34	scon	scon	NOUN
fsr-3513	244	35	0.203	0.203	NUM
fsr-3513	244	36	0.055	0.055	NUM
fsr-3513	244	37	3.666	3.666	NUM
fsr-3513	244	38	*	*	PUNCT
fsr-3513	244	39	*	*	PUNCT
fsr-3513	244	40	*	*	PUNCT
fsr-3513	244	41	supported	support	VERB
fsr-3513	244	42	fwb	fwb	PROPN
fsr-3513	244	43	→	→	PUNCT
fsr-3513	244	44	swb	swb	PROPN
fsr-3513	244	45	–	–	PUNCT
fsr-3513	244	46	0.241	0.241	NUM
fsr-3513	244	47	0.037	0.037	NUM
fsr-3513	244	48	6.468	6.468	NUM
fsr-3513	244	49	*	*	PUNCT
fsr-3513	244	50	*	*	PUNCT
fsr-3513	244	51	*	*	PUNCT
fsr-3513	244	52	supported	support	VERB
fsr-3513	244	53	khk	khk	NOUN
fsr-3513	244	54	→	→	SYM
fsr-3513	244	55	fmbeh	fmbeh	NOUN
fsr-3513	244	56	0.096	0.096	NUM
fsr-3513	244	57	0.088	0.088	NUM
fsr-3513	244	58	1.088	1.088	NUM
fsr-3513	244	59	not	not	PART
fsr-3513	244	60	supported	support	VERB
fsr-3513	244	61	khk	khk	NOUN
fsr-3513	244	62	→	→	SYM
fsr-3513	244	63	fskills	fskill	NOUN
fsr-3513	244	64	–	–	PUNCT
fsr-3513	244	65	0.112	0.112	NUM
fsr-3513	244	66	0.076	0.076	NUM
fsr-3513	244	67	1.475	1.475	NUM
fsr-3513	244	68	not	not	PART
fsr-3513	244	69	supported	support	VERB
fsr-3513	244	70	scon	scon	NOUN
fsr-3513	244	71	→	→	SYM
fsr-3513	244	72	fmbeh	fmbeh	NOUN
fsr-3513	244	73	0.043	0.043	NUM
fsr-3513	244	74	0.051	0.051	NUM
fsr-3513	244	75	0.839	0.839	NUM
fsr-3513	244	76	not	not	PART
fsr-3513	244	77	supported	support	VERB
fsr-3513	244	78	scon	scon	NOUN
fsr-3513	244	79	→	→	SYM
fsr-3513	244	80	fskills	fskill	NOUN
fsr-3513	244	81	0.207	0.207	NUM
fsr-3513	244	82	0.043	0.043	NUM
fsr-3513	244	83	4.762	4.762	NUM
fsr-3513	244	84	*	*	PUNCT
fsr-3513	244	85	*	*	PUNCT
fsr-3513	244	86	*	*	PUNCT
fsr-3513	244	87	supported	support	VERB
fsr-3513	244	88	european	european	ADJ
fsr-3513	244	89	fgoals	fgoal	NOUN
fsr-3513	244	90	→	→	SYM
fsr-3513	244	91	fmbeh	fmbeh	NOUN
fsr-3513	244	92	0.283	0.283	NUM
fsr-3513	244	93	0.019	0.019	NUM
fsr-3513	244	94	14.663	14.663	NUM
fsr-3513	244	95	*	*	PUNCT
fsr-3513	244	96	*	*	PUNCT
fsr-3513	244	97	*	*	PUNCT
fsr-3513	244	98	supported	support	VERB
fsr-3513	244	99	fgoals	fgoal	NOUN
fsr-3513	244	100	→	→	SYM
fsr-3513	244	101	fskills	fskill	VERB
fsr-3513	244	102	0.521	0.521	NUM
fsr-3513	244	103	0.016	0.016	NUM
fsr-3513	244	104	32.644	32.644	NUM
fsr-3513	244	105	*	*	PUNCT
fsr-3513	244	106	*	*	PUNCT
fsr-3513	244	107	*	*	PUNCT
fsr-3513	244	108	supported	support	VERB
fsr-3513	244	109	fmbeh	fmbeh	NOUN
fsr-3513	244	110	→	→	PUNCT
fsr-3513	244	111	fwb	fwb	PROPN
fsr-3513	244	112	–	–	PUNCT
fsr-3513	244	113	0.526	0.526	NUM
fsr-3513	244	114	0.024	0.024	NUM
fsr-3513	244	115	21.738	21.738	NUM
fsr-3513	244	116	*	*	PUNCT
fsr-3513	244	117	*	*	PUNCT
fsr-3513	244	118	*	*	PUNCT
fsr-3513	244	119	supported	support	VERB
fsr-3513	244	120	fskills	fskill	NOUN
fsr-3513	244	121	→	→	SYM
fsr-3513	244	122	fmbeh	fmbeh	NOUN
fsr-3513	244	123	0.316	0.316	NUM
fsr-3513	244	124	0.021	0.021	NUM
fsr-3513	244	125	15.011	15.011	NUM
fsr-3513	244	126	*	*	PUNCT
fsr-3513	244	127	*	*	PUNCT
fsr-3513	244	128	*	*	PUNCT
fsr-3513	244	129	supported	support	VERB
fsr-3513	244	130	fsoc	fsoc	NOUN
fsr-3513	244	131	→	→	SYM
fsr-3513	244	132	fgoals	fgoal	NOUN
fsr-3513	244	133	0.263	0.263	NUM
fsr-3513	244	134	0.018	0.018	NUM
fsr-3513	244	135	14.537	14.537	NUM
fsr-3513	244	136	*	*	PUNCT
fsr-3513	244	137	*	*	PUNCT
fsr-3513	244	138	*	*	PUNCT
fsr-3513	244	139	supported	support	VERB
fsr-3513	244	140	fsoc	fsoc	NOUN
fsr-3513	244	141	→	→	SYM
fsr-3513	244	142	khk	khk	NOUN
fsr-3513	244	143	0.153	0.153	NUM
fsr-3513	244	144	0.026	0.026	NUM
fsr-3513	244	145	5.940	5.940	NUM
fsr-3513	244	146	*	*	PUNCT
fsr-3513	244	147	*	*	PUNCT
fsr-3513	244	148	*	*	PUNCT
fsr-3513	244	149	supported	support	VERB
fsr-3513	244	150	fsoc	fsoc	NOUN
fsr-3513	244	151	→	→	SYM
fsr-3513	244	152	scon	scon	NOUN
fsr-3513	244	153	0.247	0.247	NUM
fsr-3513	244	154	0.024	0.024	NUM
fsr-3513	244	155	10.272	10.272	NUM
fsr-3513	245	1	*	*	PUNCT
fsr-3513	245	2	*	*	PUNCT
fsr-3513	245	3	*	*	PUNCT
fsr-3513	245	4	supported	support	VERB
fsr-3513	245	5	fwb	fwb	PROPN
fsr-3513	245	6	→	→	PUNCT
fsr-3513	245	7	swb	swb	PROPN
fsr-3513	245	8	–	–	PUNCT
fsr-3513	245	9	0.443	0.443	NUM
fsr-3513	245	10	0.029	0.029	NUM
fsr-3513	245	11	15.215	15.215	NUM
fsr-3513	246	1	*	*	PUNCT
fsr-3513	246	2	*	*	PUNCT
fsr-3513	246	3	*	*	PUNCT
fsr-3513	246	4	supported	support	VERB
fsr-3513	246	5	khk	khk	NOUN
fsr-3513	246	6	→	→	SYM
fsr-3513	246	7	fmbeh	fmbeh	NOUN
fsr-3513	246	8	0.122	0.122	NUM
fsr-3513	246	9	0.019	0.019	NUM
fsr-3513	246	10	6.438	6.438	NUM
fsr-3513	246	11	*	*	PUNCT
fsr-3513	246	12	*	*	PUNCT
fsr-3513	246	13	*	*	PUNCT
fsr-3513	246	14	supported	support	VERB
fsr-3513	246	15	khk	khk	NOUN
fsr-3513	246	16	→	→	SYM
fsr-3513	246	17	fskills	fskill	VERB
fsr-3513	246	18	0.042	0.042	NUM
fsr-3513	246	19	0.018	0.018	NUM
fsr-3513	246	20	2.408	2.408	NUM
fsr-3513	246	21	*	*	PUNCT
fsr-3513	246	22	*	*	PUNCT
fsr-3513	246	23	supported	support	VERB
fsr-3513	246	24	scon	scon	NOUN
fsr-3513	246	25	→	→	SYM
fsr-3513	246	26	fmbeh	fmbeh	NOUN
fsr-3513	246	27	0.086	0.086	NUM
fsr-3513	246	28	0.019	0.019	NUM
fsr-3513	246	29	4.505	4.505	NUM
fsr-3513	246	30	*	*	PUNCT
fsr-3513	247	1	*	*	PUNCT
fsr-3513	247	2	*	*	PUNCT
fsr-3513	247	3	supported	support	VERB
fsr-3513	247	4	scon	scon	NOUN
fsr-3513	247	5	→	→	SYM
fsr-3513	247	6	fskills	fskill	NOUN
fsr-3513	247	7	0.263	0.263	NUM
fsr-3513	247	8	0.018	0.018	NUM
fsr-3513	247	9	14.291	14.291	NUM
fsr-3513	247	10	*	*	PUNCT
fsr-3513	247	11	*	*	PUNCT
fsr-3513	247	12	*	*	ADJ
fsr-3513	247	13	supported	support	VERB
fsr-3513	247	14	notes	note	NOUN
fsr-3513	247	15	.	.	PUNCT
fsr-3513	248	1	*	*	PUNCT
fsr-3513	248	2	p	p	X
fsr-3513	248	3	<	<	X
fsr-3513	248	4	.10	.10	NUM
fsr-3513	248	5	,	,	PUNCT
fsr-3513	248	6	*	*	PUNCT
fsr-3513	248	7	*	*	PUNCT
fsr-3513	248	8	p	p	X
fsr-3513	248	9	<	<	X
fsr-3513	248	10	0.05	0.05	NUM
fsr-3513	248	11	,	,	PUNCT
fsr-3513	248	12	*	*	PUNCT
fsr-3513	248	13	*	*	PUNCT
fsr-3513	248	14	*	*	PUNCT
fsr-3513	248	15	p	p	X
fsr-3513	248	16	<	<	X
fsr-3513	248	17	0.01	0.01	NUM
fsr-3513	248	18	.	.	PUNCT
fsr-3513	249	1	the	the	DET
fsr-3513	249	2	most	most	ADV
fsr-3513	249	3	important	important	ADJ
fsr-3513	249	4	factors	factor	NOUN
fsr-3513	249	5	in	in	ADP
fsr-3513	249	6	this	this	DET
fsr-3513	249	7	study	study	NOUN
fsr-3513	249	8	were	be	AUX
fsr-3513	249	9	the	the	DET
fsr-3513	249	10	cross	cross	ADJ
fsr-3513	249	11	-	-	ADJ
fsr-3513	249	12	validated	validated	ADJ
fsr-3513	249	13	redundancy	redundancy	NOUN
fsr-3513	249	14	(	(	PUNCT
fsr-3513	249	15	q2	q2	NOUN
fsr-3513	249	16	)	)	PUNCT
fsr-3513	249	17	estimates	estimate	NOUN
fsr-3513	249	18	of	of	ADP
fsr-3513	249	19	the	the	DET
fsr-3513	249	20	latent	latent	NOUN
fsr-3513	249	21	construct	construct	NOUN
fsr-3513	249	22	.	.	PUNCT
fsr-3513	250	1	a	a	DET
fsr-3513	250	2	blindfolding	blindfold	VERB
fsr-3513	250	3	procedure	procedure	NOUN
fsr-3513	250	4	was	be	AUX
fsr-3513	250	5	performed	perform	VERB
fsr-3513	250	6	to	to	PART
fsr-3513	250	7	assess	assess	VERB
fsr-3513	250	8	the	the	DET
fsr-3513	250	9	model	model	NOUN
fsr-3513	250	10	’s	’s	PART
fsr-3513	250	11	predictive	predictive	ADJ
fsr-3513	250	12	capability	capability	NOUN
fsr-3513	250	13	,	,	PUNCT
fsr-3513	250	14	given	give	VERB
fsr-3513	250	15	the	the	DET
fsr-3513	250	16	parameters	parameter	NOUN
fsr-3513	250	17	of	of	ADP
fsr-3513	250	18	pls	pls	NOUN
fsr-3513	250	19	-	-	PUNCT
fsr-3513	250	20	sem	sem	NOUN
fsr-3513	250	21	(	(	PUNCT
fsr-3513	250	22	chin	chin	PROPN
fsr-3513	250	23	,	,	PUNCT
fsr-3513	250	24	1998	1998	NUM
fsr-3513	250	25	)	)	PUNCT
fsr-3513	250	26	.	.	PUNCT
fsr-3513	251	1	a	a	DET
fsr-3513	251	2	q2	q2	NOUN
fsr-3513	251	3	result	result	NOUN
fsr-3513	251	4	above	above	ADP
fsr-3513	251	5	0	0	NUM
fsr-3513	251	6	indicates	indicate	VERB
fsr-3513	251	7	predictive	predictive	ADJ
fsr-3513	251	8	relevance	relevance	NOUN
fsr-3513	251	9	in	in	ADP
fsr-3513	251	10	overall	overall	ADJ
fsr-3513	251	11	and	and	CCONJ
fsr-3513	251	12	race	race	NOUN
fsr-3513	251	13	-	-	PUNCT
fsr-3513	251	14	based	base	VERB
fsr-3513	251	15	models	model	NOUN
fsr-3513	251	16	(	(	PUNCT
fsr-3513	251	17	fornell	fornell	NOUN
fsr-3513	251	18	&	&	CCONJ
fsr-3513	251	19	cha	cha	PROPN
fsr-3513	251	20	,	,	PUNCT
fsr-3513	251	21	1994	1994	NUM
fsr-3513	251	22	)	)	PUNCT
fsr-3513	251	23	.	.	PUNCT
fsr-3513	252	1	r	r	X
fsr-3513	252	2	-	-	PUNCT
fsr-3513	252	3	squared	square	VERB
fsr-3513	252	4	(	(	PUNCT
fsr-3513	252	5	r2	r2	PROPN
fsr-3513	252	6	)	)	PUNCT
fsr-3513	252	7	values	value	NOUN
fsr-3513	252	8	for	for	ADP
fsr-3513	252	9	financial	financial	ADJ
fsr-3513	252	10	socialization	socialization	NOUN
fsr-3513	252	11	,	,	PUNCT
fsr-3513	252	12	financial	financial	ADJ
fsr-3513	252	13	goals	goal	NOUN
fsr-3513	252	14	,	,	PUNCT
fsr-3513	252	15	financial	financial	ADJ
fsr-3513	252	16	skills	skill	NOUN
fsr-3513	252	17	,	,	PUNCT
fsr-3513	252	18	financial	financial	ADJ
fsr-3513	252	19	knowledge	knowledge	NOUN
fsr-3513	252	20	,	,	PUNCT
fsr-3513	252	21	self	self	NOUN
fsr-3513	252	22	-	-	PUNCT
fsr-3513	252	23	control	control	NOUN
fsr-3513	252	24	,	,	PUNCT
fsr-3513	252	25	financial	financial	ADJ
fsr-3513	252	26	services	service	NOUN
fsr-3513	252	27	review	review	NOUN
fsr-3513	252	28	,	,	PUNCT
fsr-3513	252	29	32(2	32(2	NUM
fsr-3513	252	30	)	)	PUNCT
fsr-3513	252	31	66	66	NUM
fsr-3513	252	32	and	and	CCONJ
fsr-3513	252	33	financial	financial	ADJ
fsr-3513	252	34	management	management	NOUN
fsr-3513	252	35	behavior	behavior	NOUN
fsr-3513	252	36	ranged	range	VERB
fsr-3513	252	37	from	from	ADP
fsr-3513	252	38	substantial	substantial	ADJ
fsr-3513	252	39	to	to	AUX
fsr-3513	252	40	moderate	moderate	ADJ
fsr-3513	252	41	,	,	PUNCT
fsr-3513	252	42	respectively	respectively	ADV
fsr-3513	252	43	(	(	PUNCT
fsr-3513	252	44	cohen	cohen	NOUN
fsr-3513	252	45	,	,	PUNCT
fsr-3513	252	46	1988	1988	NUM
fsr-3513	252	47	)	)	PUNCT
fsr-3513	252	48	.	.	PUNCT
fsr-3513	253	1	the	the	DET
fsr-3513	253	2	findings	finding	NOUN
fsr-3513	253	3	for	for	ADP
fsr-3513	253	4	the	the	DET
fsr-3513	253	5	models	model	NOUN
fsr-3513	253	6	are	be	AUX
fsr-3513	253	7	shown	show	VERB
fsr-3513	253	8	in	in	ADP
fsr-3513	253	9	table	table	NOUN
fsr-3513	253	10	5	5	NUM
fsr-3513	253	11	.	.	PUNCT
fsr-3513	253	12	table	table	NOUN
fsr-3513	253	13	5	5	NUM
fsr-3513	253	14	.	.	PUNCT
fsr-3513	254	1	r2	r2	PROPN
fsr-3513	254	2	and	and	CCONJ
fsr-3513	254	3	cross	cross	ADJ
fsr-3513	254	4	-	-	ADJ
fsr-3513	254	5	validated	validated	ADJ
fsr-3513	254	6	redundancy	redundancy	NOUN
fsr-3513	254	7	racial	racial	ADJ
fsr-3513	254	8	group	group	NOUN
fsr-3513	254	9	constructs	construct	VERB
fsr-3513	254	10	r2	r2	PROPN
fsr-3513	254	11	q²	q²	PROPN
fsr-3513	254	12	(	(	PUNCT
fsr-3513	254	13	comm	comm	NOUN
fsr-3513	254	14	)	)	PUNCT
fsr-3513	254	15	q²	q²	NOUN
fsr-3513	254	16	(	(	PUNCT
fsr-3513	254	17	red	red	ADJ
fsr-3513	254	18	)	)	PUNCT
fsr-3513	254	19	overall	overall	ADJ
fsr-3513	254	20	fgoals	fgoal	NOUN
fsr-3513	254	21	0.062	0.062	NUM
fsr-3513	254	22	0.266	0.266	NUM
fsr-3513	254	23	0.033	0.033	NUM
fsr-3513	254	24	fmbeh	fmbeh	NOUN
fsr-3513	254	25	0.393	0.393	NUM
fsr-3513	254	26	0.306	0.306	NUM
fsr-3513	254	27	0.224	0.224	NUM
fsr-3513	254	28	fskills	fskill	VERB
fsr-3513	254	29	0.471	0.471	NUM
fsr-3513	254	30	0.443	0.443	NUM
fsr-3513	254	31	0.256	0.256	NUM
fsr-3513	254	32	fwb	fwb	NOUN
fsr-3513	254	33	0.221	0.221	NUM
fsr-3513	254	34	0.450	0.450	NUM
fsr-3513	254	35	0.128	0.128	NUM
fsr-3513	254	36	khk	khk	NOUN
fsr-3513	254	37	0.021	0.021	NUM
fsr-3513	254	38	0.190	0.190	NUM
fsr-3513	254	39	0.011	0.011	NUM
fsr-3513	254	40	scon	scon	NOUN
fsr-3513	254	41	0.064	0.064	NUM
fsr-3513	254	42	0.300	0.300	NUM
fsr-3513	254	43	0.048	0.048	NUM
fsr-3513	254	44	swb	swb	PROPN
fsr-3513	254	45	0.142	0.142	NUM
fsr-3513	254	46	0.393	0.393	NUM
fsr-3513	254	47	0.087	0.087	NUM
fsr-3513	254	48	african	african	ADJ
fsr-3513	254	49	fgoals	fgoal	NOUN
fsr-3513	254	50	0.068	0.068	NUM
fsr-3513	254	51	0.270	0.270	NUM
fsr-3513	254	52	0.036	0.036	NUM
fsr-3513	254	53	fmbeh	fmbeh	NOUN
fsr-3513	254	54	0.430	0.430	NUM
fsr-3513	254	55	0.344	0.344	NUM
fsr-3513	254	56	0.250	0.250	NUM
fsr-3513	254	57	fskills	fskill	NOUN
fsr-3513	254	58	0.427	0.427	NUM
fsr-3513	254	59	0.473	0.473	NUM
fsr-3513	254	60	0.240	0.240	NUM
fsr-3513	254	61	fwb	fwb	PROPN
fsr-3513	254	62	0.164	0.164	NUM
fsr-3513	254	63	0.405	0.405	NUM
fsr-3513	254	64	0.082	0.082	NUM
fsr-3513	254	65	khk	khk	NOUN
fsr-3513	254	66	0.000	0.000	NUM
fsr-3513	254	67	0.010	0.010	NUM
fsr-3513	254	68	–	–	PUNCT
fsr-3513	254	69	0.003	0.003	NUM
fsr-3513	254	70	scon	scon	NOUN
fsr-3513	254	71	0.041	0.041	NUM
fsr-3513	254	72	0.446	0.446	NUM
fsr-3513	254	73	0.033	0.033	NUM
fsr-3513	254	74	swb	swb	PROPN
fsr-3513	254	75	0.058	0.058	NUM
fsr-3513	254	76	0.258	0.258	NUM
fsr-3513	254	77	0.022	0.022	NUM
fsr-3513	254	78	european	european	ADJ
fsr-3513	254	79	fgoals	fgoal	NOUN
fsr-3513	254	80	0.069	0.069	NUM
fsr-3513	254	81	0.266	0.266	NUM
fsr-3513	254	82	0.036	0.036	NUM
fsr-3513	254	83	fmbeh	fmbeh	NOUN
fsr-3513	254	84	0.409	0.409	NUM
fsr-3513	254	85	0.284	0.284	NUM
fsr-3513	254	86	0.228	0.228	NUM
fsr-3513	254	87	fskills	fskill	NOUN
fsr-3513	254	88	0.495	0.495	NUM
fsr-3513	254	89	0.443	0.443	NUM
fsr-3513	254	90	0.268	0.268	NUM
fsr-3513	254	91	fwb	fwb	VERB
fsr-3513	254	92	0.277	0.277	NUM
fsr-3513	254	93	0.463	0.463	NUM
fsr-3513	254	94	0.165	0.165	NUM
fsr-3513	254	95	khk	khk	NOUN
fsr-3513	254	96	0.023	0.023	NUM
fsr-3513	254	97	0.165	0.165	NUM
fsr-3513	254	98	0.011	0.011	NUM
fsr-3513	254	99	scon	scon	NOUN
fsr-3513	254	100	0.061	0.061	NUM
fsr-3513	254	101	0.252	0.252	NUM
fsr-3513	254	102	0.044	0.044	NUM
fsr-3513	254	103	swb	swb	PROPN
fsr-3513	254	104	0.196	0.196	NUM
fsr-3513	254	105	0.422	0.422	NUM
fsr-3513	254	106	0.125	0.125	NUM
fsr-3513	254	107	to	to	PART
fsr-3513	254	108	stringently	stringently	ADV
fsr-3513	254	109	compare	compare	VERB
fsr-3513	254	110	the	the	DET
fsr-3513	254	111	results	result	NOUN
fsr-3513	254	112	across	across	ADP
fsr-3513	254	113	two	two	NUM
fsr-3513	254	114	racial	racial	ADJ
fsr-3513	254	115	groups	group	NOUN
fsr-3513	254	116	,	,	PUNCT
fsr-3513	254	117	t	t	PROPN
fsr-3513	254	118	statistics	statistic	NOUN
fsr-3513	254	119	were	be	AUX
fsr-3513	254	120	calculated	calculate	VERB
fsr-3513	254	121	to	to	PART
fsr-3513	254	122	evaluate	evaluate	VERB
fsr-3513	254	123	the	the	DET
fsr-3513	254	124	differences	difference	NOUN
fsr-3513	254	125	in	in	ADP
fsr-3513	254	126	path	path	NOUN
fsr-3513	254	127	coefficients	coefficient	NOUN
fsr-3513	254	128	across	across	ADP
fsr-3513	254	129	models	model	NOUN
fsr-3513	254	130	.	.	PUNCT
fsr-3513	255	1	as	as	SCONJ
fsr-3513	255	2	shown	show	VERB
fsr-3513	255	3	below	below	ADV
fsr-3513	255	4	in	in	ADP
fsr-3513	255	5	figure	figure	NOUN
fsr-3513	255	6	2	2	NUM
fsr-3513	255	7	,	,	PUNCT
fsr-3513	255	8	a	a	DET
fsr-3513	255	9	procedure	procedure	NOUN
fsr-3513	255	10	described	describe	VERB
fsr-3513	255	11	by	by	ADP
fsr-3513	255	12	chin	chin	PROPN
fsr-3513	255	13	et	et	PROPN
fsr-3513	255	14	al	al	PROPN
fsr-3513	255	15	.	.	PROPN
fsr-3513	256	1	(	(	PUNCT
fsr-3513	256	2	2003	2003	NUM
fsr-3513	256	3	)	)	PUNCT
fsr-3513	256	4	was	be	AUX
fsr-3513	256	5	used	use	VERB
fsr-3513	256	6	to	to	PART
fsr-3513	256	7	perform	perform	VERB
fsr-3513	256	8	a	a	DET
fsr-3513	256	9	multigroup	multigroup	ADJ
fsr-3513	256	10	analysis	analysis	NOUN
fsr-3513	256	11	.	.	PUNCT
fsr-3513	257	1	as	as	SCONJ
fsr-3513	257	2	there	there	PRON
fsr-3513	257	3	were	be	VERB
fsr-3513	257	4	two	two	NUM
fsr-3513	257	5	ethnic	ethnic	ADJ
fsr-3513	257	6	groups	group	NOUN
fsr-3513	257	7	,	,	PUNCT
fsr-3513	257	8	two	two	NUM
fsr-3513	257	9	separate	separate	ADJ
fsr-3513	257	10	comparisons	comparison	NOUN
fsr-3513	257	11	were	be	AUX
fsr-3513	257	12	tested	test	VERB
fsr-3513	257	13	in	in	ADP
fsr-3513	257	14	the	the	DET
fsr-3513	257	15	analysis	analysis	NOUN
fsr-3513	257	16	.	.	PUNCT
fsr-3513	258	1	figure	figure	NOUN
fsr-3513	258	2	2	2	NUM
fsr-3513	258	3	.	.	PUNCT
fsr-3513	258	4	formula	formula	NOUN
fsr-3513	258	5	and	and	CCONJ
fsr-3513	258	6	multigroup	multigroup	ADJ
fsr-3513	258	7	analysis	analysis	NOUN
fsr-3513	258	8	𝑡	𝑡	PROPN
fsr-3513	258	9	=	=	VERB
fsr-3513	258	10	𝑃𝑎𝑡ℎ𝑔𝑟𝑜𝑢𝑝1	𝑃𝑎𝑡ℎ𝑔𝑟𝑜𝑢𝑝1	NOUN
fsr-3513	258	11	−	−	PROPN
fsr-3513	258	12	𝑃𝑎𝑡ℎ𝑔𝑟𝑜𝑢𝑝2	𝑃𝑎𝑡ℎ𝑔𝑟𝑜𝑢𝑝2	PROPN
fsr-3513	259	1	[	[	X
fsr-3513	259	2	√	√	X
fsr-3513	259	3	(	(	PUNCT
fsr-3513	259	4	𝑚	𝑚	PROPN
fsr-3513	259	5	−	−	PROPN
fsr-3513	259	6	1)2	1)2	NUM
fsr-3513	259	7	(	(	PUNCT
fsr-3513	259	8	𝑚	𝑚	PROPN
fsr-3513	259	9	+	+	NOUN
fsr-3513	259	10	𝑛	𝑛	DET
fsr-3513	259	11	−	−	PROPN
fsr-3513	259	12	2	2	NUM
fsr-3513	259	13	)	)	PUNCT
fsr-3513	259	14	∗	∗	NOUN
fsr-3513	259	15	𝑆.	𝑆.	PROPN
fsr-3513	259	16	𝐸.2𝑔𝑟𝑜𝑢𝑝1	𝐸.2𝑔𝑟𝑜𝑢𝑝1	NOUN
fsr-3513	259	17	+	+	X
fsr-3513	259	18	(	(	PUNCT
fsr-3513	259	19	𝑛	𝑛	PRON
fsr-3513	259	20	−	−	PROPN
fsr-3513	259	21	1)2	1)2	NUM
fsr-3513	259	22	(	(	PUNCT
fsr-3513	259	23	𝑚	𝑚	PROPN
fsr-3513	259	24	+	+	NOUN
fsr-3513	259	25	𝑛	𝑛	DET
fsr-3513	259	26	−	−	PROPN
fsr-3513	259	27	2	2	NUM
fsr-3513	259	28	)	)	PUNCT
fsr-3513	259	29	∗	∗	NOUN
fsr-3513	259	30	𝑆.	𝑆.	NOUN
fsr-3513	259	31	𝐸.2𝑔𝑟𝑜𝑢𝑝2	𝐸.2𝑔𝑟𝑜𝑢𝑝2	X
fsr-3513	259	32	]	]	PUNCT
fsr-3513	259	33	∗	∗	NOUN
fsr-3513	260	1	[	[	X
fsr-3513	260	2	√	√	ADP
fsr-3513	260	3	1	1	NUM
fsr-3513	260	4	𝑚	𝑚	NOUN
fsr-3513	260	5	+	+	PROPN
fsr-3513	260	6	1	1	NUM
fsr-3513	260	7	𝑛	𝑛	NOUN
fsr-3513	260	8	]	]	PUNCT
fsr-3513	260	9	table	table	NOUN
fsr-3513	260	10	6	6	NUM
fsr-3513	260	11	compares	compare	VERB
fsr-3513	260	12	african	african	ADJ
fsr-3513	260	13	and	and	CCONJ
fsr-3513	260	14	european	european	PROPN
fsr-3513	260	15	americans	americans	PROPN
fsr-3513	260	16	’	’	PART
fsr-3513	260	17	financial	financial	ADJ
fsr-3513	260	18	socialization	socialization	NOUN
fsr-3513	260	19	values	value	NOUN
fsr-3513	260	20	based	base	VERB
fsr-3513	260	21	on	on	ADP
fsr-3513	260	22	their	their	PRON
fsr-3513	260	23	t	t	NOUN
fsr-3513	260	24	value	value	NOUN
fsr-3513	260	25	results	result	NOUN
fsr-3513	260	26	.	.	PUNCT
fsr-3513	261	1	the	the	DET
fsr-3513	261	2	effects	effect	NOUN
fsr-3513	261	3	of	of	ADP
fsr-3513	261	4	financial	financial	ADJ
fsr-3513	261	5	socialization	socialization	NOUN
fsr-3513	261	6	,	,	PUNCT
fsr-3513	261	7	mediated	mediate	VERB
fsr-3513	261	8	by	by	ADP
fsr-3513	261	9	financial	financial	ADJ
fsr-3513	261	10	knowledge	knowledge	NOUN
fsr-3513	261	11	,	,	PUNCT
fsr-3513	261	12	self	self	NOUN
fsr-3513	261	13	-	-	PUNCT
fsr-3513	261	14	control	control	NOUN
fsr-3513	261	15	,	,	PUNCT
fsr-3513	261	16	financial	financial	ADJ
fsr-3513	261	17	goals	goal	NOUN
fsr-3513	261	18	,	,	PUNCT
fsr-3513	261	19	financial	financial	ADJ
fsr-3513	261	20	management	management	NOUN
fsr-3513	261	21	behavior	behavior	NOUN
fsr-3513	261	22	,	,	PUNCT
fsr-3513	261	23	financial	financial	ADJ
fsr-3513	261	24	skills	skill	NOUN
fsr-3513	261	25	,	,	PUNCT
fsr-3513	261	26	financial	financial	ADJ
fsr-3513	261	27	well	well	NOUN
fsr-3513	261	28	-	-	PUNCT
fsr-3513	261	29	being	being	NOUN
fsr-3513	261	30	,	,	PUNCT
fsr-3513	261	31	and	and	CCONJ
fsr-3513	261	32	subjective	subjective	ADJ
fsr-3513	261	33	well	well	ADV
fsr-3513	261	34	-	-	PUNCT
fsr-3513	261	35	being	being	NOUN
fsr-3513	261	36	were	be	AUX
fsr-3513	261	37	significantly	significantly	ADV
fsr-3513	261	38	different	different	ADJ
fsr-3513	261	39	.	.	PUNCT
fsr-3513	262	1	young	young	ADJ
fsr-3513	262	2	et	et	PROPN
fsr-3513	262	3	al	al	PROPN
fsr-3513	262	4	.	.	PROPN
fsr-3513	263	1	67	67	NUM
fsr-3513	263	2	table	table	NOUN
fsr-3513	263	3	6	6	NUM
fsr-3513	263	4	.	.	PUNCT
fsr-3513	264	1	multigroup	multigroup	PROPN
fsr-3513	264	2	comparison	comparison	NOUN
fsr-3513	264	3	between	between	ADP
fsr-3513	264	4	african	african	ADJ
fsr-3513	264	5	americans	americans	PROPN
fsr-3513	264	6	and	and	CCONJ
fsr-3513	264	7	european	european	PROPN
fsr-3513	264	8	americans	americans	PROPN
fsr-3513	264	9	relationship	relationship	VERB
fsr-3513	264	10	african	african	ADJ
fsr-3513	264	11	americans	americans	PROPN
fsr-3513	264	12	european	european	PROPN
fsr-3513	264	13	americans	americans	PROPN
fsr-3513	264	14	t	t	X
fsr-3513	264	15	value	value	VERB
fsr-3513	264	16	beta	beta	ADJ
fsr-3513	264	17	std	std	NOUN
fsr-3513	264	18	.	.	PUNCT
fsr-3513	264	19	error	error	NOUN
fsr-3513	264	20	beta	beta	NOUN
fsr-3513	264	21	std	std	NOUN
fsr-3513	264	22	.	.	PUNCT
fsr-3513	265	1	error	error	NOUN
fsr-3513	265	2	fsoc	fsoc	NOUN
fsr-3513	265	3	→	→	SYM
fsr-3513	265	4	fgoals	fgoal	NOUN
fsr-3513	265	5	→	→	SYM
fsr-3513	265	6	fmbeh	fmbeh	NOUN
fsr-3513	265	7	0.111	0.111	NUM
fsr-3513	265	8	0.024	0.024	NUM
fsr-3513	265	9	0.074	0.074	NUM
fsr-3513	265	10	0.007	0.007	NUM
fsr-3513	265	11	1.462	1.462	NUM
fsr-3513	265	12	fsoc	fsoc	NOUN
fsr-3513	265	13	→	→	SYM
fsr-3513	265	14	fgoals	fgoal	NOUN
fsr-3513	265	15	→	→	SYM
fsr-3513	265	16	fmbeh	fmbeh	NOUN
fsr-3513	265	17	→	→	SYM
fsr-3513	265	18	fwb	fwb	PROPN
fsr-3513	265	19	-0.045	-0.045	PROPN
fsr-3513	265	20	0.011	0.011	NUM
fsr-3513	265	21	-0.039	-0.039	NUM
fsr-3513	265	22	0.004	0.004	NUM
fsr-3513	265	23	0.485	0.485	NUM
fsr-3513	265	24	fsoc	fsoc	NOUN
fsr-3513	265	25	→	→	SYM
fsr-3513	265	26	fgoals	fgoal	NOUN
fsr-3513	265	27	→	→	SYM
fsr-3513	265	28	fmbeh	fmbeh	NOUN
fsr-3513	265	29	→	→	SYM
fsr-3513	265	30	fwb	fwb	PROPN
fsr-3513	265	31	→	→	SYM
fsr-3513	265	32	swb	swb	PROPN
fsr-3513	265	33	0.011	0.011	NUM
fsr-3513	265	34	0.003	0.003	NUM
fsr-3513	265	35	0.017	0.017	NUM
fsr-3513	265	36	0.002	0.002	NUM
fsr-3513	265	37	1.562	1.562	NUM
fsr-3513	265	38	fsoc	fsoc	NOUN
fsr-3513	265	39	→	→	SYM
fsr-3513	265	40	fgoals	fgoal	NOUN
fsr-3513	265	41	→	→	SYM
fsr-3513	265	42	fskills	fskill	VERB
fsr-3513	265	43	0.141	0.141	NUM
fsr-3513	265	44	0.028	0.028	NUM
fsr-3513	265	45	0.137	0.137	NUM
fsr-3513	265	46	0.010	0.010	NUM
fsr-3513	265	47	0.141	0.141	NUM
fsr-3513	265	48	fsoc	fsoc	NOUN
fsr-3513	265	49	→	→	SYM
fsr-3513	265	50	fgoals	fgoal	NOUN
fsr-3513	265	51	→	→	SYM
fsr-3513	265	52	fskills	fskill	NOUN
fsr-3513	265	53	→	→	SYM
fsr-3513	265	54	fmbeh	fmbeh	NOUN
fsr-3513	265	55	0.037	0.037	NUM
fsr-3513	265	56	0.012	0.012	NUM
fsr-3513	265	57	0.043	0.043	NUM
fsr-3513	265	58	0.004	0.004	NUM
fsr-3513	265	59	0.520	0.520	NUM
fsr-3513	265	60	fsoc	fsoc	NOUN
fsr-3513	265	61	→	→	SYM
fsr-3513	265	62	fgoals	fgoal	NOUN
fsr-3513	265	63	→	→	SYM
fsr-3513	265	64	fskills	fskill	NOUN
fsr-3513	265	65	→	→	SYM
fsr-3513	265	66	fmbeh	fmbeh	NOUN
fsr-3513	265	67	→	→	SYM
fsr-3513	265	68	fwb	fwb	X
fsr-3513	265	69	-0.015	-0.015	PROPN
fsr-3513	265	70	0.005	0.005	NUM
fsr-3513	265	71	-0.023	-0.023	NUM
fsr-3513	265	72	0.002	0.002	NUM
fsr-3513	265	73	1.332	1.332	NUM
fsr-3513	265	74	fsoc	fsoc	NOUN
fsr-3513	265	75	→	→	SYM
fsr-3513	265	76	fgoals	fgoal	NOUN
fsr-3513	265	77	→	→	SYM
fsr-3513	265	78	fskills	fskill	NOUN
fsr-3513	265	79	→	→	SYM
fsr-3513	265	80	fmbeh	fmbeh	NOUN
fsr-3513	265	81	→	→	SYM
fsr-3513	265	82	fwb	fwb	X
fsr-3513	265	83	→	→	SYM
fsr-3513	265	84	swb	swb	PROPN
fsr-3513	265	85	0.004	0.004	NUM
fsr-3513	265	86	0.002	0.002	NUM
fsr-3513	265	87	0.010	0.010	NUM
fsr-3513	265	88	0.001	0.001	NUM
fsr-3513	265	89	3.155	3.155	NUM
fsr-3513	265	90	*	*	PUNCT
fsr-3513	265	91	*	*	PUNCT
fsr-3513	265	92	*	*	PUNCT
fsr-3513	265	93	fsoc	fsoc	NOUN
fsr-3513	265	94	→	→	SYM
fsr-3513	265	95	khk	khk	NOUN
fsr-3513	265	96	→	→	SYM
fsr-3513	265	97	fmbeh	fmbeh	NOUN
fsr-3513	265	98	0.000	0.000	NUM
fsr-3513	265	99	0.008	0.008	NUM
fsr-3513	265	100	0.019	0.019	NUM
fsr-3513	265	101	0.004	0.004	NUM
fsr-3513	265	102	2.031	2.031	NUM
fsr-3513	265	103	*	*	PUNCT
fsr-3513	265	104	*	*	PUNCT
fsr-3513	265	105	fsoc	fsoc	NOUN
fsr-3513	265	106	→	→	SYM
fsr-3513	265	107	khk	khk	NOUN
fsr-3513	265	108	→	→	SYM
fsr-3513	265	109	fmbeh	fmbeh	NOUN
fsr-3513	265	110	→	→	SYM
fsr-3513	265	111	fwb	fwb	PROPN
fsr-3513	265	112	0.000	0.000	NUM
fsr-3513	265	113	0.003	0.003	NUM
fsr-3513	265	114	-0.010	-0.010	PUNCT
fsr-3513	265	115	0.002	0.002	NUM
fsr-3513	265	116	2.497	2.497	NUM
fsr-3513	265	117	*	*	PUNCT
fsr-3513	265	118	*	*	PUNCT
fsr-3513	265	119	fsoc	fsoc	NOUN
fsr-3513	265	120	→	→	SYM
fsr-3513	265	121	khk	khk	NOUN
fsr-3513	265	122	→	→	SYM
fsr-3513	265	123	fmbeh	fmbeh	NOUN
fsr-3513	265	124	→	→	SYM
fsr-3513	265	125	fwb	fwb	PROPN
fsr-3513	265	126	→	→	SYM
fsr-3513	265	127	swb	swb	PROPN
fsr-3513	265	128	0.000	0.000	NUM
fsr-3513	265	129	0.001	0.001	NUM
fsr-3513	265	130	0.004	0.004	NUM
fsr-3513	265	131	0.001	0.001	NUM
fsr-3513	265	132	3.287	3.287	NUM
fsr-3513	265	133	*	*	PUNCT
fsr-3513	265	134	*	*	PUNCT
fsr-3513	265	135	*	*	PUNCT
fsr-3513	265	136	fsoc	fsoc	NOUN
fsr-3513	265	137	→	→	SYM
fsr-3513	265	138	khk	khk	NOUN
fsr-3513	265	139	→	→	SYM
fsr-3513	265	140	fskills	fskill	VERB
fsr-3513	265	141	0.000	0.000	NUM
fsr-3513	265	142	0.009	0.009	NUM
fsr-3513	265	143	0.006	0.006	NUM
fsr-3513	265	144	0.003	0.003	NUM
fsr-3513	265	145	0.658	0.658	NUM
fsr-3513	265	146	fsoc	fsoc	NOUN
fsr-3513	265	147	→	→	SYM
fsr-3513	265	148	khk	khk	NOUN
fsr-3513	265	149	→	→	SYM
fsr-3513	265	150	fskills	fskill	NOUN
fsr-3513	265	151	→	→	SYM
fsr-3513	265	152	fmbeh	fmbeh	NOUN
fsr-3513	266	1	0.000	0.000	NUM
fsr-3513	266	2	0.003	0.003	NUM
fsr-3513	266	3	0.002	0.002	NUM
fsr-3513	266	4	0.001	0.001	NUM
fsr-3513	266	5	0.770	0.770	NUM
fsr-3513	266	6	fsoc	fsoc	NOUN
fsr-3513	266	7	→	→	SYM
fsr-3513	266	8	khk	khk	NOUN
fsr-3513	266	9	→	→	SYM
fsr-3513	266	10	fskills	fskill	NOUN
fsr-3513	266	11	→	→	SYM
fsr-3513	266	12	fmbeh	fmbeh	NOUN
fsr-3513	266	13	→	→	SYM
fsr-3513	266	14	fwb	fwb	PROPN
fsr-3513	266	15	0.000	0.000	NUM
fsr-3513	266	16	0.001	0.001	NUM
fsr-3513	266	17	-0.001	-0.001	NOUN
fsr-3513	266	18	0.000	0.000	NUM
fsr-3513	266	19	0.952	0.952	NUM
fsr-3513	266	20	fsoc	fsoc	NOUN
fsr-3513	266	21	→	→	SYM
fsr-3513	266	22	khk	khk	NOUN
fsr-3513	266	23	→	→	SYM
fsr-3513	266	24	fskills	fskill	NOUN
fsr-3513	266	25	→	→	SYM
fsr-3513	266	26	fmbeh	fmbeh	NOUN
fsr-3513	266	27	→	→	SYM
fsr-3513	266	28	fwb	fwb	PROPN
fsr-3513	266	29	→	→	SYM
fsr-3513	266	30	swb	swb	PROPN
fsr-3513	266	31	0.000	0.000	NUM
fsr-3513	266	32	0.000	0.000	NUM
fsr-3513	266	33	0.000	0.000	NUM
fsr-3513	266	34	0.000	0.000	NUM
fsr-3513	266	35	1.387	1.387	NUM
fsr-3513	266	36	fsoc	fsoc	NOUN
fsr-3513	266	37	→	→	SYM
fsr-3513	266	38	scon	scon	NOUN
fsr-3513	266	39	→	→	SYM
fsr-3513	266	40	fmbeh	fmbeh	NOUN
fsr-3513	266	41	0.009	0.009	NUM
fsr-3513	266	42	0.010	0.010	NUM
fsr-3513	266	43	0.021	0.021	NUM
fsr-3513	266	44	0.005	0.005	NUM
fsr-3513	266	45	1.098	1.098	NUM
fsr-3513	266	46	fsoc	fsoc	NOUN
fsr-3513	266	47	→	→	SYM
fsr-3513	266	48	scon	scon	NOUN
fsr-3513	266	49	→	→	SYM
fsr-3513	266	50	fmbeh	fmbeh	NOUN
fsr-3513	266	51	→	→	SYM
fsr-3513	266	52	fwb	fwb	PROPN
fsr-3513	266	53	-0.004	-0.004	PUNCT
fsr-3513	266	54	0.004	0.004	NUM
fsr-3513	266	55	-0.011	-0.011	NUM
fsr-3513	266	56	0.003	0.003	NUM
fsr-3513	266	57	1.542	1.542	NUM
fsr-3513	266	58	fsoc	fsoc	NOUN
fsr-3513	266	59	→	→	SYM
fsr-3513	266	60	scon	scon	NOUN
fsr-3513	266	61	→	→	SYM
fsr-3513	266	62	fmbeh	fmbeh	NOUN
fsr-3513	266	63	→	→	SYM
fsr-3513	266	64	fwb	fwb	PROPN
fsr-3513	266	65	→	→	SYM
fsr-3513	266	66	swb	swb	PROPN
fsr-3513	266	67	0.001	0.001	NUM
fsr-3513	266	68	0.001	0.001	NUM
fsr-3513	266	69	0.005	0.005	NUM
fsr-3513	266	70	0.001	0.001	NUM
fsr-3513	266	71	2.468	2.468	NUM
fsr-3513	266	72	*	*	PUNCT
fsr-3513	266	73	*	*	PUNCT
fsr-3513	266	74	fsoc	fsoc	X
fsr-3513	266	75	→	→	SYM
fsr-3513	266	76	scon	scon	X
fsr-3513	266	77	→	→	SYM
fsr-3513	266	78	fskills	fskill	NOUN
fsr-3513	266	79	0.042	0.042	NUM
fsr-3513	266	80	0.015	0.015	NUM
fsr-3513	266	81	0.065	0.065	NUM
fsr-3513	266	82	0.007	0.007	NUM
fsr-3513	266	83	1.392	1.392	NUM
fsr-3513	266	84	fsoc	fsoc	NOUN
fsr-3513	266	85	→	→	SYM
fsr-3513	266	86	scon	scon	X
fsr-3513	266	87	→	→	SYM
fsr-3513	266	88	fskills	fskill	NOUN
fsr-3513	266	89	→	→	SYM
fsr-3513	266	90	fmbeh	fmbeh	NOUN
fsr-3513	266	91	0.011	0.011	NUM
fsr-3513	266	92	0.005	0.005	NUM
fsr-3513	266	93	0.021	0.021	NUM
fsr-3513	266	94	0.003	0.003	NUM
fsr-3513	266	95	1.610	1.610	NUM
fsr-3513	266	96	fsoc	fsoc	NOUN
fsr-3513	266	97	→	→	SYM
fsr-3513	266	98	scon	scon	X
fsr-3513	266	99	→	→	SYM
fsr-3513	266	100	fskills	fskill	NOUN
fsr-3513	266	101	→	→	SYM
fsr-3513	266	102	fmbeh	fmbeh	NOUN
fsr-3513	266	103	→	→	SYM
fsr-3513	266	104	fwb	fwb	PROPN
fsr-3513	266	105	-0.004	-0.004	PROPN
fsr-3513	266	106	0.002	0.002	NUM
fsr-3513	266	107	-0.011	-0.011	NOUN
fsr-3513	266	108	0.001	0.001	NUM
fsr-3513	266	109	2.245	2.245	NUM
fsr-3513	266	110	*	*	PUNCT
fsr-3513	266	111	*	*	PUNCT
fsr-3513	266	112	fsoc	fsoc	X
fsr-3513	266	113	→	→	SYM
fsr-3513	266	114	scon	scon	X
fsr-3513	266	115	→	→	SYM
fsr-3513	266	116	fskills	fskill	NOUN
fsr-3513	266	117	→	→	SYM
fsr-3513	266	118	fmbeh	fmbeh	NOUN
fsr-3513	266	119	→	→	SYM
fsr-3513	266	120	fwb	fwb	PROPN
fsr-3513	266	121	→	→	SYM
fsr-3513	266	122	swb	swb	PROPN
fsr-3513	266	123	0.001	0.001	NUM
fsr-3513	266	124	0.001	0.001	NUM
fsr-3513	266	125	0.005	0.005	NUM
fsr-3513	266	126	0.001	0.001	NUM
fsr-3513	266	127	3.704	3.704	NUM
fsr-3513	266	128	*	*	PUNCT
fsr-3513	266	129	*	*	PUNCT
fsr-3513	266	130	*	*	NOUN
fsr-3513	266	131	notes	note	NOUN
fsr-3513	266	132	.	.	PUNCT
fsr-3513	267	1	*	*	PUNCT
fsr-3513	267	2	p	p	X
fsr-3513	267	3	<	<	X
fsr-3513	267	4	.10	.10	NUM
fsr-3513	267	5	,	,	PUNCT
fsr-3513	267	6	*	*	PUNCT
fsr-3513	267	7	*	*	PUNCT
fsr-3513	267	8	p	p	X
fsr-3513	267	9	<	<	X
fsr-3513	267	10	0.05	0.05	NUM
fsr-3513	267	11	,	,	PUNCT
fsr-3513	267	12	*	*	PUNCT
fsr-3513	267	13	*	*	PUNCT
fsr-3513	267	14	*	*	PUNCT
fsr-3513	267	15	p	p	X
fsr-3513	267	16	<	<	X
fsr-3513	267	17	0.01	0.01	NUM
fsr-3513	267	18	.	.	PUNCT
fsr-3513	268	1	discussion	discussion	NOUN
fsr-3513	268	2	relations	relation	NOUN
fsr-3513	268	3	between	between	ADP
fsr-3513	268	4	financial	financial	ADJ
fsr-3513	268	5	socialization	socialization	NOUN
fsr-3513	268	6	,	,	PUNCT
fsr-3513	268	7	financial	financial	ADJ
fsr-3513	268	8	controls	control	NOUN
fsr-3513	268	9	,	,	PUNCT
fsr-3513	268	10	and	and	CCONJ
fsr-3513	268	11	financial	financial	ADJ
fsr-3513	268	12	management	management	NOUN
fsr-3513	268	13	the	the	DET
fsr-3513	268	14	findings	finding	NOUN
fsr-3513	268	15	from	from	ADP
fsr-3513	268	16	this	this	DET
fsr-3513	268	17	study	study	NOUN
fsr-3513	268	18	confirm	confirm	VERB
fsr-3513	268	19	the	the	DET
fsr-3513	268	20	link	link	NOUN
fsr-3513	268	21	between	between	ADP
fsr-3513	268	22	financial	financial	ADJ
fsr-3513	268	23	socialization	socialization	NOUN
fsr-3513	268	24	effects	effect	NOUN
fsr-3513	268	25	,	,	PUNCT
fsr-3513	268	26	financial	financial	ADJ
fsr-3513	268	27	controls	control	NOUN
fsr-3513	268	28	,	,	PUNCT
fsr-3513	268	29	and	and	CCONJ
fsr-3513	268	30	financial	financial	ADJ
fsr-3513	268	31	management	management	NOUN
fsr-3513	268	32	abilities	ability	NOUN
fsr-3513	268	33	in	in	ADP
fsr-3513	268	34	universally	universally	ADV
fsr-3513	268	35	determining	determine	VERB
fsr-3513	268	36	financial	financial	ADJ
fsr-3513	268	37	and	and	CCONJ
fsr-3513	268	38	subjective	subjective	ADJ
fsr-3513	268	39	well	well	ADV
fsr-3513	268	40	-	-	PUNCT
fsr-3513	268	41	being	being	NOUN
fsr-3513	268	42	.	.	PUNCT
fsr-3513	269	1	all	all	DET
fsr-3513	269	2	the	the	DET
fsr-3513	269	3	mediating	mediate	VERB
fsr-3513	269	4	factors	factor	NOUN
fsr-3513	269	5	toward	toward	ADP
fsr-3513	269	6	financial	financial	ADJ
fsr-3513	269	7	well	well	NOUN
fsr-3513	269	8	-	-	PUNCT
fsr-3513	269	9	being	being	NOUN
fsr-3513	269	10	and	and	CCONJ
fsr-3513	269	11	subjective	subjective	ADJ
fsr-3513	269	12	well	well	ADV
fsr-3513	269	13	-	-	PUNCT
fsr-3513	269	14	being	being	NOUN
fsr-3513	269	15	were	be	AUX
fsr-3513	269	16	found	find	VERB
fsr-3513	269	17	to	to	PART
fsr-3513	269	18	be	be	AUX
fsr-3513	269	19	significantly	significantly	ADV
fsr-3513	269	20	related	relate	VERB
fsr-3513	269	21	to	to	ADP
fsr-3513	269	22	financial	financial	ADJ
fsr-3513	269	23	socialization	socialization	NOUN
fsr-3513	269	24	toward	toward	ADP
fsr-3513	269	25	financial	financial	ADJ
fsr-3513	269	26	well	well	NOUN
fsr-3513	269	27	-	-	PUNCT
fsr-3513	269	28	being	being	NOUN
fsr-3513	269	29	and	and	CCONJ
fsr-3513	269	30	subjective	subjective	ADJ
fsr-3513	269	31	well	well	ADV
fsr-3513	269	32	-	-	PUNCT
fsr-3513	269	33	being	being	NOUN
fsr-3513	269	34	.	.	PUNCT
fsr-3513	270	1	as	as	SCONJ
fsr-3513	270	2	such	such	ADJ
fsr-3513	270	3	,	,	PUNCT
fsr-3513	270	4	subjective	subjective	ADJ
fsr-3513	270	5	financial	financial	ADJ
fsr-3513	270	6	well	well	NOUN
fsr-3513	270	7	-	-	PUNCT
fsr-3513	270	8	being	being	NOUN
fsr-3513	270	9	was	be	AUX
fsr-3513	270	10	also	also	ADV
fsr-3513	270	11	significantly	significantly	ADV
fsr-3513	270	12	associated	associate	VERB
fsr-3513	270	13	with	with	ADP
fsr-3513	270	14	financial	financial	ADJ
fsr-3513	270	15	well	well	NOUN
fsr-3513	270	16	-	-	PUNCT
fsr-3513	270	17	being	being	NOUN
fsr-3513	270	18	.	.	PUNCT
fsr-3513	271	1	from	from	ADP
fsr-3513	271	2	the	the	DET
fsr-3513	271	3	five	five	NUM
fsr-3513	271	4	mediating	mediate	VERB
fsr-3513	271	5	factors	factor	NOUN
fsr-3513	271	6	,	,	PUNCT
fsr-3513	271	7	the	the	DET
fsr-3513	271	8	overall	overall	ADJ
fsr-3513	271	9	model	model	NOUN
fsr-3513	271	10	indicates	indicate	VERB
fsr-3513	271	11	that	that	SCONJ
fsr-3513	271	12	financial	financial	ADJ
fsr-3513	271	13	knowledge	knowledge	NOUN
fsr-3513	271	14	,	,	PUNCT
fsr-3513	271	15	financial	financial	ADJ
fsr-3513	271	16	goals	goal	NOUN
fsr-3513	271	17	,	,	PUNCT
fsr-3513	271	18	financial	financial	ADJ
fsr-3513	271	19	self	self	NOUN
fsr-3513	271	20	-	-	PUNCT
fsr-3513	271	21	control	control	NOUN
fsr-3513	271	22	,	,	PUNCT
fsr-3513	271	23	financial	financial	ADJ
fsr-3513	271	24	skills	skill	NOUN
fsr-3513	271	25	,	,	PUNCT
fsr-3513	271	26	and	and	CCONJ
fsr-3513	271	27	financial	financial	ADJ
fsr-3513	271	28	management	management	NOUN
fsr-3513	271	29	behaviors	behavior	NOUN
fsr-3513	271	30	are	be	AUX
fsr-3513	271	31	significant	significant	ADJ
fsr-3513	271	32	financial	financial	ADJ
fsr-3513	271	33	services	service	NOUN
fsr-3513	271	34	review	review	NOUN
fsr-3513	271	35	,	,	PUNCT
fsr-3513	271	36	32(2	32(2	NUM
fsr-3513	271	37	)	)	PUNCT
fsr-3513	271	38	68	68	NUM
fsr-3513	271	39	predecessors	predecessor	NOUN
fsr-3513	271	40	to	to	ADP
fsr-3513	271	41	financial	financial	ADJ
fsr-3513	271	42	well	well	NOUN
fsr-3513	271	43	-	-	PUNCT
fsr-3513	271	44	being	being	NOUN
fsr-3513	271	45	.	.	PUNCT
fsr-3513	272	1	the	the	DET
fsr-3513	272	2	results	result	NOUN
fsr-3513	272	3	correspond	correspond	VERB
fsr-3513	272	4	to	to	ADP
fsr-3513	272	5	earlier	early	ADJ
fsr-3513	272	6	studies	study	NOUN
fsr-3513	272	7	conducted	conduct	VERB
fsr-3513	272	8	in	in	ADP
fsr-3513	272	9	an	an	DET
fsr-3513	272	10	american	american	ADJ
fsr-3513	272	11	context	context	NOUN
fsr-3513	272	12	(	(	PUNCT
fsr-3513	272	13	e.g.	e.g.	ADV
fsr-3513	272	14	,	,	PUNCT
fsr-3513	272	15	danes	dane	NOUN
fsr-3513	272	16	,	,	PUNCT
fsr-3513	272	17	1994	1994	NUM
fsr-3513	272	18	;	;	PUNCT
fsr-3513	272	19	danes	dane	NOUN
fsr-3513	272	20	&	&	CCONJ
fsr-3513	272	21	haberman	haberman	PROPN
fsr-3513	272	22	,	,	PUNCT
fsr-3513	272	23	2007	2007	NUM
fsr-3513	272	24	;	;	PUNCT
fsr-3513	272	25	fan	fan	PROPN
fsr-3513	272	26	&	&	CCONJ
fsr-3513	272	27	chatterjee	chatterjee	PROPN
fsr-3513	272	28	,	,	PUNCT
fsr-3513	272	29	2019	2019	NUM
fsr-3513	272	30	;	;	PUNCT
fsr-3513	272	31	kim	kim	PROPN
fsr-3513	272	32	&	&	CCONJ
fsr-3513	272	33	chatterjee	chatterjee	PROPN
fsr-3513	272	34	,	,	PUNCT
fsr-3513	272	35	2013	2013	NUM
fsr-3513	272	36	;	;	PUNCT
fsr-3513	272	37	van	van	PROPN
fsr-3513	272	38	campenhout	campenhout	NOUN
fsr-3513	272	39	,	,	PUNCT
fsr-3513	272	40	2015	2015	NUM
fsr-3513	272	41	)	)	PUNCT
fsr-3513	272	42	.	.	PUNCT
fsr-3513	273	1	it	it	PRON
fsr-3513	273	2	is	be	AUX
fsr-3513	273	3	therefore	therefore	ADV
fsr-3513	273	4	supposed	suppose	VERB
fsr-3513	273	5	that	that	SCONJ
fsr-3513	273	6	african	african	PROPN
fsr-3513	273	7	americans	americans	PROPN
fsr-3513	273	8	,	,	PUNCT
fsr-3513	273	9	like	like	ADP
fsr-3513	273	10	the	the	DET
fsr-3513	273	11	general	general	ADJ
fsr-3513	273	12	community	community	NOUN
fsr-3513	273	13	,	,	PUNCT
fsr-3513	273	14	maintain	maintain	VERB
fsr-3513	273	15	that	that	SCONJ
fsr-3513	273	16	their	their	PRON
fsr-3513	273	17	financial	financial	ADJ
fsr-3513	273	18	socialization	socialization	NOUN
fsr-3513	273	19	mainly	mainly	ADV
fsr-3513	273	20	develops	develop	VERB
fsr-3513	273	21	their	their	PRON
fsr-3513	273	22	financial	financial	ADJ
fsr-3513	273	23	and	and	CCONJ
fsr-3513	273	24	subjective	subjective	ADJ
fsr-3513	273	25	well	well	ADV
fsr-3513	273	26	-	-	PUNCT
fsr-3513	273	27	being	being	NOUN
fsr-3513	273	28	.	.	PUNCT
fsr-3513	274	1	the	the	DET
fsr-3513	274	2	findings	finding	NOUN
fsr-3513	274	3	relate	relate	VERB
fsr-3513	274	4	well	well	ADV
fsr-3513	274	5	to	to	ADP
fsr-3513	274	6	african	african	PROPN
fsr-3513	274	7	americans	americans	PROPN
fsr-3513	274	8	’	'	PUNCT
fsr-3513	274	9	concern	concern	NOUN
fsr-3513	274	10	about	about	ADP
fsr-3513	274	11	the	the	DET
fsr-3513	274	12	financial	financial	ADJ
fsr-3513	274	13	socialization	socialization	NOUN
fsr-3513	274	14	process	process	NOUN
fsr-3513	274	15	.	.	PUNCT
fsr-3513	275	1	moreover	moreover	ADV
fsr-3513	275	2	,	,	PUNCT
fsr-3513	275	3	being	be	AUX
fsr-3513	275	4	african	african	ADJ
fsr-3513	275	5	american	american	ADJ
fsr-3513	275	6	,	,	PUNCT
fsr-3513	275	7	they	they	PRON
fsr-3513	275	8	generally	generally	ADV
fsr-3513	275	9	follow	follow	VERB
fsr-3513	275	10	the	the	DET
fsr-3513	275	11	same	same	ADJ
fsr-3513	275	12	path	path	NOUN
fsr-3513	275	13	to	to	ADP
fsr-3513	275	14	financial	financial	ADJ
fsr-3513	275	15	well	well	ADV
fsr-3513	275	16	-	-	PUNCT
fsr-3513	275	17	being	being	NOUN
fsr-3513	275	18	and	and	CCONJ
fsr-3513	275	19	subjective	subjective	ADJ
fsr-3513	275	20	well	well	ADV
fsr-3513	275	21	-	-	PUNCT
fsr-3513	275	22	being	being	NOUN
fsr-3513	275	23	.	.	PUNCT
fsr-3513	276	1	furthermore	furthermore	ADV
fsr-3513	276	2	,	,	PUNCT
fsr-3513	276	3	they	they	PRON
fsr-3513	276	4	also	also	ADV
fsr-3513	276	5	tended	tend	VERB
fsr-3513	276	6	to	to	PART
fsr-3513	276	7	relate	relate	VERB
fsr-3513	276	8	financial	financial	ADJ
fsr-3513	276	9	well	well	NOUN
fsr-3513	276	10	-	-	PUNCT
fsr-3513	276	11	being	being	NOUN
fsr-3513	276	12	to	to	PART
fsr-3513	276	13	subjective	subjective	ADJ
fsr-3513	276	14	well	well	ADV
fsr-3513	276	15	-	-	PUNCT
fsr-3513	276	16	being	being	NOUN
fsr-3513	276	17	.	.	PUNCT
fsr-3513	277	1	the	the	DET
fsr-3513	277	2	findings	finding	NOUN
fsr-3513	277	3	generally	generally	ADV
fsr-3513	277	4	have	have	VERB
fsr-3513	277	5	a	a	DET
fsr-3513	277	6	few	few	ADJ
fsr-3513	277	7	exceptions	exception	NOUN
fsr-3513	277	8	with	with	ADP
fsr-3513	277	9	additional	additional	ADJ
fsr-3513	277	10	details	detail	NOUN
fsr-3513	277	11	when	when	SCONJ
fsr-3513	277	12	the	the	DET
fsr-3513	277	13	overall	overall	ADJ
fsr-3513	277	14	model	model	NOUN
fsr-3513	277	15	is	be	AUX
fsr-3513	277	16	divided	divide	VERB
fsr-3513	277	17	into	into	ADP
fsr-3513	277	18	two	two	NUM
fsr-3513	277	19	based	base	VERB
fsr-3513	277	20	on	on	ADP
fsr-3513	277	21	ethnicity	ethnicity	NOUN
fsr-3513	277	22	.	.	PUNCT
fsr-3513	278	1	except	except	SCONJ
fsr-3513	278	2	for	for	ADP
fsr-3513	278	3	financial	financial	ADJ
fsr-3513	278	4	knowledge	knowledge	NOUN
fsr-3513	278	5	and	and	CCONJ
fsr-3513	278	6	self	self	NOUN
fsr-3513	278	7	-	-	PUNCT
fsr-3513	278	8	control	control	NOUN
fsr-3513	278	9	,	,	PUNCT
fsr-3513	278	10	the	the	DET
fsr-3513	278	11	predictors	predictor	NOUN
fsr-3513	278	12	of	of	ADP
fsr-3513	278	13	financial	financial	ADJ
fsr-3513	278	14	socialization	socialization	NOUN
fsr-3513	278	15	toward	toward	ADP
fsr-3513	278	16	financial	financial	ADJ
fsr-3513	278	17	well	well	NOUN
fsr-3513	278	18	-	-	PUNCT
fsr-3513	278	19	being	being	NOUN
fsr-3513	278	20	across	across	ADP
fsr-3513	278	21	ethnic	ethnic	ADJ
fsr-3513	278	22	groups	group	NOUN
fsr-3513	278	23	were	be	AUX
fsr-3513	278	24	mixed	mixed	ADJ
fsr-3513	278	25	.	.	PUNCT
fsr-3513	279	1	however	however	ADV
fsr-3513	279	2	,	,	PUNCT
fsr-3513	279	3	for	for	ADP
fsr-3513	279	4	european	european	PROPN
fsr-3513	279	5	americans	americans	PROPN
fsr-3513	279	6	,	,	PUNCT
fsr-3513	279	7	the	the	DET
fsr-3513	279	8	findings	finding	NOUN
fsr-3513	279	9	match	match	VERB
fsr-3513	279	10	the	the	DET
fsr-3513	279	11	overall	overall	ADJ
fsr-3513	279	12	model	model	NOUN
fsr-3513	279	13	supporting	support	VERB
fsr-3513	279	14	financial	financial	ADJ
fsr-3513	279	15	well	well	NOUN
fsr-3513	279	16	-	-	PUNCT
fsr-3513	279	17	being	being	NOUN
fsr-3513	279	18	.	.	PUNCT
fsr-3513	280	1	it	it	PRON
fsr-3513	280	2	is	be	AUX
fsr-3513	280	3	evident	evident	ADJ
fsr-3513	280	4	that	that	SCONJ
fsr-3513	280	5	despite	despite	SCONJ
fsr-3513	280	6	being	be	AUX
fsr-3513	280	7	broadly	broadly	ADV
fsr-3513	280	8	similar	similar	ADJ
fsr-3513	280	9	in	in	ADP
fsr-3513	280	10	their	their	PRON
fsr-3513	280	11	financial	financial	ADJ
fsr-3513	280	12	socialization	socialization	NOUN
fsr-3513	280	13	process	process	NOUN
fsr-3513	280	14	,	,	PUNCT
fsr-3513	280	15	european	european	PROPN
fsr-3513	280	16	americans	americans	PROPN
fsr-3513	280	17	’	’	PART
fsr-3513	280	18	financial	financial	ADJ
fsr-3513	280	19	well	well	ADV
fsr-3513	280	20	-	-	PUNCT
fsr-3513	280	21	being	being	NOUN
fsr-3513	280	22	can	can	AUX
fsr-3513	280	23	be	be	AUX
fsr-3513	280	24	predicted	predict	VERB
fsr-3513	280	25	by	by	ADP
fsr-3513	280	26	additional	additional	ADJ
fsr-3513	280	27	financial	financial	ADJ
fsr-3513	280	28	control	control	NOUN
fsr-3513	280	29	factors	factor	NOUN
fsr-3513	280	30	.	.	PUNCT
fsr-3513	281	1	hence	hence	ADV
fsr-3513	281	2	,	,	PUNCT
fsr-3513	281	3	it	it	PRON
fsr-3513	281	4	is	be	AUX
fsr-3513	281	5	essential	essential	ADJ
fsr-3513	281	6	to	to	PART
fsr-3513	281	7	look	look	VERB
fsr-3513	281	8	at	at	ADP
fsr-3513	281	9	the	the	DET
fsr-3513	281	10	findings	finding	NOUN
fsr-3513	281	11	of	of	ADP
fsr-3513	281	12	the	the	DET
fsr-3513	281	13	latter	latter	ADJ
fsr-3513	281	14	stage	stage	NOUN
fsr-3513	281	15	.	.	PUNCT
fsr-3513	282	1	multi	multi	ADJ
fsr-3513	282	2	-	-	ADJ
fsr-3513	282	3	group	group	ADJ
fsr-3513	282	4	comparison	comparison	NOUN
fsr-3513	282	5	according	accord	VERB
fsr-3513	282	6	to	to	ADP
fsr-3513	282	7	racial	racial	ADJ
fsr-3513	282	8	identity	identity	NOUN
fsr-3513	282	9	the	the	DET
fsr-3513	282	10	findings	finding	NOUN
fsr-3513	282	11	of	of	ADP
fsr-3513	282	12	the	the	DET
fsr-3513	282	13	multigroup	multigroup	PROPN
fsr-3513	282	14	analysis	analysis	NOUN
fsr-3513	282	15	indicate	indicate	VERB
fsr-3513	282	16	significant	significant	ADJ
fsr-3513	282	17	differences	difference	NOUN
fsr-3513	282	18	between	between	ADP
fsr-3513	282	19	african	african	ADJ
fsr-3513	282	20	and	and	CCONJ
fsr-3513	282	21	european	european	PROPN
fsr-3513	282	22	americans	americans	PROPN
fsr-3513	282	23	’	’	PART
fsr-3513	282	24	financial	financial	ADJ
fsr-3513	282	25	socialization	socialization	NOUN
fsr-3513	282	26	when	when	SCONJ
fsr-3513	282	27	mediated	mediate	VERB
fsr-3513	282	28	by	by	ADP
fsr-3513	282	29	financial	financial	ADJ
fsr-3513	282	30	skill	skill	NOUN
fsr-3513	282	31	and	and	CCONJ
fsr-3513	282	32	financial	financial	ADJ
fsr-3513	282	33	management	management	NOUN
fsr-3513	282	34	behavior	behavior	NOUN
fsr-3513	282	35	factors	factor	NOUN
fsr-3513	282	36	.	.	PUNCT
fsr-3513	283	1	when	when	SCONJ
fsr-3513	283	2	financial	financial	ADJ
fsr-3513	283	3	goals	goal	NOUN
fsr-3513	283	4	mediate	mediate	VERB
fsr-3513	283	5	financial	financial	ADJ
fsr-3513	283	6	socialization	socialization	NOUN
fsr-3513	283	7	,	,	PUNCT
fsr-3513	283	8	only	only	ADV
fsr-3513	283	9	financial	financial	ADJ
fsr-3513	283	10	skills	skill	NOUN
fsr-3513	283	11	show	show	VERB
fsr-3513	283	12	significant	significant	ADJ
fsr-3513	283	13	differences	difference	NOUN
fsr-3513	283	14	between	between	ADP
fsr-3513	283	15	groups	group	NOUN
fsr-3513	283	16	.	.	PUNCT
fsr-3513	284	1	financial	financial	ADJ
fsr-3513	284	2	skills	skill	NOUN
fsr-3513	284	3	indicate	indicate	VERB
fsr-3513	284	4	no	no	DET
fsr-3513	284	5	significant	significant	ADJ
fsr-3513	284	6	differences	difference	NOUN
fsr-3513	284	7	when	when	SCONJ
fsr-3513	284	8	socialization	socialization	NOUN
fsr-3513	284	9	is	be	AUX
fsr-3513	284	10	mediated	mediate	VERB
fsr-3513	284	11	by	by	ADP
fsr-3513	284	12	financial	financial	ADJ
fsr-3513	284	13	knowledge	knowledge	NOUN
fsr-3513	284	14	.	.	PUNCT
fsr-3513	285	1	however	however	ADV
fsr-3513	285	2	,	,	PUNCT
fsr-3513	285	3	financial	financial	ADJ
fsr-3513	285	4	management	management	NOUN
fsr-3513	285	5	behaviors	behavior	NOUN
fsr-3513	285	6	demonstrate	demonstrate	VERB
fsr-3513	285	7	significant	significant	ADJ
fsr-3513	285	8	differences	difference	NOUN
fsr-3513	285	9	.	.	PUNCT
fsr-3513	286	1	more	more	ADV
fsr-3513	286	2	surprisingly	surprisingly	ADV
fsr-3513	286	3	,	,	PUNCT
fsr-3513	286	4	financial	financial	ADJ
fsr-3513	286	5	self	self	NOUN
fsr-3513	286	6	-	-	PUNCT
fsr-3513	286	7	control	control	NOUN
fsr-3513	286	8	was	be	AUX
fsr-3513	286	9	a	a	DET
fsr-3513	286	10	significant	significant	ADJ
fsr-3513	286	11	factor	factor	NOUN
fsr-3513	286	12	for	for	ADP
fsr-3513	286	13	financial	financial	ADJ
fsr-3513	286	14	skills	skill	NOUN
fsr-3513	286	15	and	and	CCONJ
fsr-3513	286	16	financial	financial	ADJ
fsr-3513	286	17	management	management	NOUN
fsr-3513	286	18	behaviors	behavior	NOUN
fsr-3513	286	19	in	in	ADP
fsr-3513	286	20	mediating	mediate	VERB
fsr-3513	286	21	the	the	DET
fsr-3513	286	22	differences	difference	NOUN
fsr-3513	286	23	between	between	ADP
fsr-3513	286	24	african	african	ADJ
fsr-3513	286	25	and	and	CCONJ
fsr-3513	286	26	european	european	ADJ
fsr-3513	286	27	americans	americans	PROPN
fsr-3513	286	28	gaining	gain	VERB
fsr-3513	286	29	financial	financial	ADJ
fsr-3513	286	30	well	well	NOUN
fsr-3513	286	31	-	-	PUNCT
fsr-3513	286	32	being	being	NOUN
fsr-3513	286	33	,	,	PUNCT
fsr-3513	286	34	leading	lead	VERB
fsr-3513	286	35	to	to	ADP
fsr-3513	286	36	subjective	subjective	ADJ
fsr-3513	286	37	wellbeing	wellbeing	NOUN
fsr-3513	286	38	.	.	PUNCT
fsr-3513	287	1	considering	consider	VERB
fsr-3513	287	2	the	the	DET
fsr-3513	287	3	findings	finding	NOUN
fsr-3513	287	4	,	,	PUNCT
fsr-3513	287	5	hypotheses	hypothese	VERB
fsr-3513	287	6	two	two	NUM
fsr-3513	287	7	,	,	PUNCT
fsr-3513	287	8	three	three	NUM
fsr-3513	287	9	,	,	PUNCT
fsr-3513	287	10	five	five	NUM
fsr-3513	287	11	,	,	PUNCT
fsr-3513	287	12	and	and	CCONJ
fsr-3513	287	13	six	six	NUM
fsr-3513	287	14	were	be	AUX
fsr-3513	287	15	supported	support	VERB
fsr-3513	287	16	and	and	CCONJ
fsr-3513	287	17	can	can	AUX
fsr-3513	287	18	not	not	PART
fsr-3513	287	19	be	be	AUX
fsr-3513	287	20	rejected	reject	VERB
fsr-3513	287	21	in	in	ADP
fsr-3513	287	22	this	this	DET
fsr-3513	287	23	study	study	NOUN
fsr-3513	287	24	.	.	PUNCT
fsr-3513	288	1	the	the	DET
fsr-3513	288	2	first	first	ADJ
fsr-3513	288	3	and	and	CCONJ
fsr-3513	288	4	fourth	fourth	ADJ
fsr-3513	288	5	hypotheses	hypothesis	NOUN
fsr-3513	288	6	were	be	AUX
fsr-3513	288	7	not	not	PART
fsr-3513	288	8	supported	support	VERB
fsr-3513	288	9	and	and	CCONJ
fsr-3513	288	10	were	be	AUX
fsr-3513	288	11	rejected	reject	VERB
fsr-3513	288	12	in	in	ADP
fsr-3513	288	13	the	the	DET
fsr-3513	288	14	study	study	NOUN
fsr-3513	288	15	.	.	PUNCT
fsr-3513	289	1	irrespective	irrespective	ADV
fsr-3513	289	2	of	of	ADP
fsr-3513	289	3	the	the	DET
fsr-3513	289	4	insightful	insightful	ADJ
fsr-3513	289	5	influence	influence	NOUN
fsr-3513	289	6	of	of	ADP
fsr-3513	289	7	ethnicity	ethnicity	NOUN
fsr-3513	289	8	and	and	CCONJ
fsr-3513	289	9	culture	culture	NOUN
fsr-3513	289	10	on	on	ADP
fsr-3513	289	11	americans	americans	PROPN
fsr-3513	289	12	’	’	PART
fsr-3513	289	13	financial	financial	ADJ
fsr-3513	289	14	socialization	socialization	NOUN
fsr-3513	289	15	process	process	NOUN
fsr-3513	289	16	,	,	PUNCT
fsr-3513	289	17	the	the	DET
fsr-3513	289	18	findings	finding	NOUN
fsr-3513	289	19	imply	imply	VERB
fsr-3513	289	20	that	that	SCONJ
fsr-3513	289	21	behavior	behavior	NOUN
fsr-3513	289	22	self	self	NOUN
fsr-3513	289	23	-	-	PUNCT
fsr-3513	289	24	control	control	NOUN
fsr-3513	289	25	is	be	AUX
fsr-3513	289	26	one	one	NUM
fsr-3513	289	27	of	of	ADP
fsr-3513	289	28	the	the	DET
fsr-3513	289	29	most	most	ADV
fsr-3513	289	30	impactful	impactful	ADJ
fsr-3513	289	31	ways	way	NOUN
fsr-3513	289	32	for	for	SCONJ
fsr-3513	289	33	african	african	ADJ
fsr-3513	289	34	americans	americans	PROPN
fsr-3513	289	35	to	to	PART
fsr-3513	289	36	close	close	VERB
fsr-3513	289	37	the	the	DET
fsr-3513	289	38	wellbeing	wellbee	VERB
fsr-3513	289	39	(	(	PUNCT
fsr-3513	289	40	financial	financial	ADJ
fsr-3513	289	41	and	and	CCONJ
fsr-3513	289	42	subjective	subjective	ADJ
fsr-3513	289	43	)	)	PUNCT
fsr-3513	289	44	gap	gap	NOUN
fsr-3513	289	45	.	.	PUNCT
fsr-3513	290	1	in	in	ADP
fsr-3513	290	2	essence	essence	NOUN
fsr-3513	290	3	,	,	PUNCT
fsr-3513	290	4	african	african	ADJ
fsr-3513	290	5	americans	americans	PROPN
fsr-3513	290	6	’	’	PART
fsr-3513	290	7	financial	financial	ADJ
fsr-3513	290	8	self	self	NOUN
fsr-3513	290	9	-	-	PUNCT
fsr-3513	290	10	control	control	NOUN
fsr-3513	290	11	as	as	ADP
fsr-3513	290	12	a	a	DET
fsr-3513	290	13	factor	factor	NOUN
fsr-3513	290	14	affecting	affect	VERB
fsr-3513	290	15	well	well	ADV
fsr-3513	290	16	-	-	PUNCT
fsr-3513	290	17	being	being	NOUN
fsr-3513	290	18	differs	differ	VERB
fsr-3513	290	19	from	from	ADP
fsr-3513	290	20	that	that	PRON
fsr-3513	290	21	of	of	ADP
fsr-3513	290	22	european	european	PROPN
fsr-3513	290	23	americans	americans	PROPN
fsr-3513	290	24	.	.	PUNCT
fsr-3513	291	1	the	the	DET
fsr-3513	291	2	findings	finding	NOUN
fsr-3513	291	3	support	support	VERB
fsr-3513	291	4	the	the	DET
fsr-3513	291	5	theories	theory	NOUN
fsr-3513	291	6	of	of	ADP
fsr-3513	291	7	earlier	early	ADJ
fsr-3513	291	8	studies	study	NOUN
fsr-3513	291	9	,	,	PUNCT
fsr-3513	291	10	which	which	PRON
fsr-3513	291	11	state	state	VERB
fsr-3513	291	12	that	that	SCONJ
fsr-3513	291	13	selfcontrol	selfcontrol	NOUN
fsr-3513	291	14	influences	influence	VERB
fsr-3513	291	15	financial	financial	ADJ
fsr-3513	291	16	behavior	behavior	NOUN
fsr-3513	291	17	and	and	CCONJ
fsr-3513	291	18	subjectively	subjectively	ADV
fsr-3513	291	19	perceived	perceive	VERB
fsr-3513	291	20	financial	financial	ADJ
fsr-3513	291	21	well	well	NOUN
fsr-3513	291	22	-	-	PUNCT
fsr-3513	291	23	being	being	NOUN
fsr-3513	291	24	(	(	PUNCT
fsr-3513	291	25	strömbäck	strömbäck	NOUN
fsr-3513	291	26	et	et	PROPN
fsr-3513	291	27	al	al	PROPN
fsr-3513	291	28	.	.	PROPN
fsr-3513	291	29	,	,	PUNCT
fsr-3513	291	30	2017	2017	NUM
fsr-3513	291	31	;	;	PUNCT
fsr-3513	291	32	vuković	vuković	PROPN
fsr-3513	291	33	&	&	CCONJ
fsr-3513	291	34	pivac	pivac	NOUN
fsr-3513	291	35	,	,	PUNCT
fsr-3513	291	36	2021	2021	NUM
fsr-3513	291	37	)	)	PUNCT
fsr-3513	291	38	.	.	PUNCT
fsr-3513	292	1	over	over	ADP
fsr-3513	292	2	the	the	DET
fsr-3513	292	3	years	year	NOUN
fsr-3513	292	4	,	,	PUNCT
fsr-3513	292	5	a	a	DET
fsr-3513	292	6	drastic	drastic	ADJ
fsr-3513	292	7	increase	increase	NOUN
fsr-3513	292	8	in	in	ADP
fsr-3513	292	9	financial	financial	ADJ
fsr-3513	292	10	literacy	literacy	NOUN
fsr-3513	292	11	focus	focus	NOUN
fsr-3513	292	12	and	and	CCONJ
fsr-3513	292	13	easier	easy	ADJ
fsr-3513	292	14	access	access	NOUN
fsr-3513	292	15	to	to	ADP
fsr-3513	292	16	financial	financial	ADJ
fsr-3513	292	17	services	service	NOUN
fsr-3513	292	18	have	have	AUX
fsr-3513	292	19	increased	increase	VERB
fsr-3513	292	20	the	the	DET
fsr-3513	292	21	likelihood	likelihood	NOUN
fsr-3513	292	22	of	of	ADP
fsr-3513	292	23	developing	develop	VERB
fsr-3513	292	24	financial	financial	ADJ
fsr-3513	292	25	goals	goal	NOUN
fsr-3513	292	26	(	(	PUNCT
fsr-3513	292	27	hudson	hudson	PROPN
fsr-3513	292	28	et	et	PROPN
fsr-3513	292	29	al	al	PROPN
fsr-3513	292	30	.	.	PROPN
fsr-3513	292	31	,	,	PUNCT
fsr-3513	292	32	2017	2017	NUM
fsr-3513	292	33	)	)	PUNCT
fsr-3513	292	34	.	.	PUNCT
fsr-3513	293	1	however	however	ADV
fsr-3513	293	2	,	,	PUNCT
fsr-3513	293	3	setting	set	VERB
fsr-3513	293	4	financial	financial	ADJ
fsr-3513	293	5	goals	goal	NOUN
fsr-3513	293	6	when	when	SCONJ
fsr-3513	293	7	considering	consider	VERB
fsr-3513	293	8	financial	financial	ADJ
fsr-3513	293	9	skills	skill	NOUN
fsr-3513	293	10	remains	remain	VERB
fsr-3513	293	11	a	a	DET
fsr-3513	293	12	significant	significant	ADJ
fsr-3513	293	13	gap	gap	NOUN
fsr-3513	293	14	between	between	ADP
fsr-3513	293	15	african	african	ADJ
fsr-3513	293	16	and	and	CCONJ
fsr-3513	293	17	european	european	PROPN
fsr-3513	293	18	americans	americans	PROPN
fsr-3513	293	19	.	.	PUNCT
fsr-3513	294	1	moreover	moreover	ADV
fsr-3513	294	2	,	,	PUNCT
fsr-3513	294	3	the	the	DET
fsr-3513	294	4	findings	finding	NOUN
fsr-3513	294	5	suggest	suggest	VERB
fsr-3513	294	6	that	that	SCONJ
fsr-3513	294	7	financial	financial	ADJ
fsr-3513	294	8	knowledge	knowledge	NOUN
fsr-3513	294	9	alone	alone	ADV
fsr-3513	294	10	can	can	AUX
fsr-3513	294	11	not	not	PART
fsr-3513	294	12	overcome	overcome	VERB
fsr-3513	294	13	financial	financial	ADJ
fsr-3513	294	14	management	management	NOUN
fsr-3513	294	15	behavior	behavior	NOUN
fsr-3513	294	16	changes	change	NOUN
fsr-3513	294	17	.	.	PUNCT
fsr-3513	295	1	access	access	NOUN
fsr-3513	295	2	to	to	ADP
fsr-3513	295	3	financial	financial	ADJ
fsr-3513	295	4	services	service	NOUN
fsr-3513	295	5	remains	remain	VERB
fsr-3513	295	6	an	an	DET
fsr-3513	295	7	issue	issue	NOUN
fsr-3513	295	8	for	for	ADP
fsr-3513	295	9	african	african	ADJ
fsr-3513	295	10	americans	americans	PROPN
fsr-3513	295	11	in	in	ADP
fsr-3513	295	12	narrowing	narrow	VERB
fsr-3513	295	13	the	the	DET
fsr-3513	295	14	gap	gap	NOUN
fsr-3513	295	15	with	with	ADP
fsr-3513	295	16	european	european	PROPN
fsr-3513	295	17	americans	americans	PROPN
fsr-3513	295	18	(	(	PUNCT
fsr-3513	295	19	sun	sun	PROPN
fsr-3513	295	20	et	et	PROPN
fsr-3513	295	21	al	al	PROPN
fsr-3513	295	22	.	.	PROPN
fsr-3513	295	23	,	,	PUNCT
fsr-3513	295	24	2022	2022	NUM
fsr-3513	295	25	)	)	PUNCT
fsr-3513	295	26	.	.	PUNCT
fsr-3513	296	1	setting	set	VERB
fsr-3513	296	2	financial	financial	ADJ
fsr-3513	296	3	goals	goal	NOUN
fsr-3513	296	4	and	and	CCONJ
fsr-3513	296	5	following	follow	VERB
fsr-3513	296	6	through	through	ADP
fsr-3513	296	7	with	with	ADP
fsr-3513	296	8	the	the	DET
fsr-3513	296	9	necessary	necessary	ADJ
fsr-3513	296	10	financial	financial	ADJ
fsr-3513	296	11	skill	skill	NOUN
fsr-3513	296	12	set	set	VERB
fsr-3513	296	13	continue	continue	VERB
fsr-3513	296	14	to	to	PART
fsr-3513	296	15	separate	separate	VERB
fsr-3513	296	16	african	african	ADJ
fsr-3513	296	17	and	and	CCONJ
fsr-3513	296	18	european	european	ADJ
fsr-3513	296	19	americans	americans	PROPN
fsr-3513	296	20	in	in	ADP
fsr-3513	296	21	terms	term	NOUN
fsr-3513	296	22	of	of	ADP
fsr-3513	296	23	their	their	PRON
fsr-3513	296	24	wellbeing	wellbee	VERB
fsr-3513	296	25	(	(	PUNCT
fsr-3513	296	26	financial	financial	ADJ
fsr-3513	296	27	and	and	CCONJ
fsr-3513	296	28	subjective	subjective	ADJ
fsr-3513	296	29	)	)	PUNCT
fsr-3513	296	30	.	.	PUNCT
fsr-3513	297	1	as	as	ADP
fsr-3513	297	2	a	a	DET
fsr-3513	297	3	result	result	NOUN
fsr-3513	297	4	,	,	PUNCT
fsr-3513	297	5	african	african	ADJ
fsr-3513	297	6	americans	americans	PROPN
fsr-3513	297	7	have	have	AUX
fsr-3513	297	8	continued	continue	VERB
fsr-3513	297	9	to	to	PART
fsr-3513	297	10	be	be	AUX
fsr-3513	297	11	socialized	socialize	VERB
fsr-3513	297	12	in	in	ADP
fsr-3513	297	13	their	their	PRON
fsr-3513	297	14	inherited	inherit	VERB
fsr-3513	297	15	cultures	culture	NOUN
fsr-3513	297	16	and	and	CCONJ
fsr-3513	297	17	those	those	PRON
fsr-3513	297	18	of	of	ADP
fsr-3513	297	19	european	european	PROPN
fsr-3513	297	20	americans	americans	PROPN
fsr-3513	297	21	,	,	PUNCT
fsr-3513	297	22	which	which	PRON
fsr-3513	297	23	sometimes	sometimes	ADV
fsr-3513	297	24	conflicts	conflict	VERB
fsr-3513	297	25	.	.	PUNCT
fsr-3513	298	1	this	this	DET
fsr-3513	298	2	study	study	NOUN
fsr-3513	298	3	clarifies	clarify	VERB
fsr-3513	298	4	some	some	DET
fsr-3513	298	5	differences	difference	NOUN
fsr-3513	298	6	between	between	ADP
fsr-3513	298	7	the	the	DET
fsr-3513	298	8	impact	impact	NOUN
fsr-3513	298	9	of	of	ADP
fsr-3513	298	10	financial	financial	ADJ
fsr-3513	298	11	socialization	socialization	NOUN
fsr-3513	298	12	on	on	ADP
fsr-3513	298	13	african	african	ADJ
fsr-3513	298	14	american	american	ADJ
fsr-3513	298	15	and	and	CCONJ
fsr-3513	298	16	european	european	PROPN
fsr-3513	298	17	americans	americans	PROPN
fsr-3513	298	18	’	'	PUNCT
fsr-3513	298	19	well	well	ADV
fsr-3513	298	20	-	-	PUNCT
fsr-3513	298	21	being	be	AUX
fsr-3513	298	22	(	(	PUNCT
fsr-3513	298	23	financial	financial	ADJ
fsr-3513	298	24	and	and	CCONJ
fsr-3513	298	25	subjective	subjective	ADJ
fsr-3513	298	26	)	)	PUNCT
fsr-3513	298	27	.	.	PUNCT
fsr-3513	299	1	limitations	limitation	NOUN
fsr-3513	299	2	this	this	DET
fsr-3513	299	3	study	study	NOUN
fsr-3513	299	4	has	have	VERB
fsr-3513	299	5	the	the	DET
fsr-3513	299	6	following	follow	VERB
fsr-3513	299	7	limitations	limitation	NOUN
fsr-3513	299	8	that	that	PRON
fsr-3513	299	9	must	must	AUX
fsr-3513	299	10	be	be	AUX
fsr-3513	299	11	considered	consider	VERB
fsr-3513	299	12	.	.	PUNCT
fsr-3513	300	1	first	first	ADV
fsr-3513	300	2	,	,	PUNCT
fsr-3513	300	3	the	the	DET
fsr-3513	300	4	results	result	NOUN
fsr-3513	300	5	do	do	AUX
fsr-3513	300	6	not	not	PART
fsr-3513	300	7	imply	imply	VERB
fsr-3513	300	8	any	any	DET
fsr-3513	300	9	causal	causal	ADJ
fsr-3513	300	10	relationship	relationship	NOUN
fsr-3513	300	11	when	when	SCONJ
fsr-3513	300	12	studying	study	VERB
fsr-3513	300	13	the	the	DET
fsr-3513	300	14	crosssectional	crosssectional	ADJ
fsr-3513	300	15	dataset	dataset	NOUN
fsr-3513	300	16	.	.	PUNCT
fsr-3513	301	1	second	second	ADV
fsr-3513	301	2	,	,	PUNCT
fsr-3513	301	3	the	the	DET
fsr-3513	301	4	study	study	NOUN
fsr-3513	301	5	focused	focus	VERB
fsr-3513	301	6	on	on	ADP
fsr-3513	301	7	financial	financial	ADJ
fsr-3513	301	8	socialization	socialization	NOUN
fsr-3513	301	9	,	,	PUNCT
fsr-3513	301	10	which	which	PRON
fsr-3513	301	11	is	be	AUX
fsr-3513	301	12	only	only	ADV
fsr-3513	301	13	one	one	NUM
fsr-3513	301	14	financial	financial	ADJ
fsr-3513	301	15	and	and	CCONJ
fsr-3513	301	16	subjective	subjective	ADJ
fsr-3513	301	17	well	well	ADV
fsr-3513	301	18	-	-	PUNCT
fsr-3513	301	19	being	be	AUX
fsr-3513	301	20	sub	sub	NOUN
fsr-3513	301	21	-	-	NOUN
fsr-3513	301	22	domain	domain	NOUN
fsr-3513	301	23	.	.	PUNCT
fsr-3513	302	1	young	young	ADJ
fsr-3513	302	2	et	et	PROPN
fsr-3513	302	3	al	al	PROPN
fsr-3513	302	4	.	.	PROPN
fsr-3513	302	5	69	69	NUM
fsr-3513	302	6	other	other	ADJ
fsr-3513	302	7	major	major	ADJ
fsr-3513	302	8	domains	domain	NOUN
fsr-3513	302	9	,	,	PUNCT
fsr-3513	302	10	such	such	ADJ
fsr-3513	302	11	as	as	ADP
fsr-3513	302	12	past	past	ADJ
fsr-3513	302	13	financial	financial	ADJ
fsr-3513	302	14	exclusion	exclusion	NOUN
fsr-3513	302	15	and	and	CCONJ
fsr-3513	302	16	health	health	NOUN
fsr-3513	302	17	access	access	NOUN
fsr-3513	302	18	-	-	PUNCT
fsr-3513	302	19	related	relate	VERB
fsr-3513	302	20	well	well	ADV
fsr-3513	302	21	-	-	PUNCT
fsr-3513	302	22	being	being	NOUN
fsr-3513	302	23	,	,	PUNCT
fsr-3513	302	24	were	be	AUX
fsr-3513	302	25	not	not	PART
fsr-3513	302	26	included	include	VERB
fsr-3513	302	27	in	in	ADP
fsr-3513	302	28	this	this	DET
fsr-3513	302	29	study	study	NOUN
fsr-3513	302	30	,	,	PUNCT
fsr-3513	302	31	but	but	CCONJ
fsr-3513	302	32	can	can	AUX
fsr-3513	302	33	be	be	AUX
fsr-3513	302	34	examined	examine	VERB
fsr-3513	302	35	when	when	SCONJ
fsr-3513	302	36	applicable	applicable	ADJ
fsr-3513	302	37	datasets	dataset	NOUN
fsr-3513	302	38	are	be	AUX
fsr-3513	302	39	available	available	ADJ
fsr-3513	302	40	.	.	PUNCT
fsr-3513	303	1	future	future	ADJ
fsr-3513	303	2	studies	study	NOUN
fsr-3513	303	3	are	be	AUX
fsr-3513	303	4	needed	need	VERB
fsr-3513	303	5	to	to	PART
fsr-3513	303	6	investigate	investigate	VERB
fsr-3513	303	7	financial	financial	ADJ
fsr-3513	303	8	socialization	socialization	NOUN
fsr-3513	303	9	’s	’s	PART
fsr-3513	303	10	effect	effect	NOUN
fsr-3513	303	11	and	and	CCONJ
fsr-3513	303	12	long	long	ADJ
fsr-3513	303	13	-	-	PUNCT
fsr-3513	303	14	term	term	NOUN
fsr-3513	303	15	influences	influence	NOUN
fsr-3513	303	16	on	on	ADP
fsr-3513	303	17	african	african	ADJ
fsr-3513	303	18	americans	americans	PROPN
fsr-3513	303	19	’	’	PART
fsr-3513	303	20	financial	financial	ADJ
fsr-3513	303	21	behavior	behavior	NOUN
fsr-3513	303	22	and	and	CCONJ
fsr-3513	303	23	wellbeing	wellbee	VERB
fsr-3513	303	24	through	through	ADP
fsr-3513	303	25	a	a	DET
fsr-3513	303	26	lens	lens	NOUN
fsr-3513	303	27	of	of	ADP
fsr-3513	303	28	historical	historical	ADJ
fsr-3513	303	29	discrimination	discrimination	NOUN
fsr-3513	303	30	.	.	PUNCT
fsr-3513	304	1	finally	finally	ADV
fsr-3513	304	2	,	,	PUNCT
fsr-3513	304	3	the	the	DET
fsr-3513	304	4	findings	finding	NOUN
fsr-3513	304	5	of	of	ADP
fsr-3513	304	6	this	this	DET
fsr-3513	304	7	analysis	analysis	NOUN
fsr-3513	304	8	can	can	AUX
fsr-3513	304	9	only	only	ADV
fsr-3513	304	10	be	be	AUX
fsr-3513	304	11	applied	apply	VERB
fsr-3513	304	12	to	to	PART
fsr-3513	304	13	financially	financially	ADV
fsr-3513	304	14	excluded	exclude	VERB
fsr-3513	304	15	americans	americans	PROPN
fsr-3513	304	16	,	,	PUNCT
fsr-3513	304	17	mainly	mainly	ADV
fsr-3513	304	18	african	african	ADJ
fsr-3513	304	19	americans	americans	PROPN
fsr-3513	304	20	.	.	PUNCT
fsr-3513	305	1	relationships	relationship	NOUN
fsr-3513	305	2	among	among	ADP
fsr-3513	305	3	the	the	DET
fsr-3513	305	4	variables	variable	NOUN
fsr-3513	305	5	,	,	PUNCT
fsr-3513	305	6	including	include	VERB
fsr-3513	305	7	the	the	DET
fsr-3513	305	8	significant	significant	ADJ
fsr-3513	305	9	direct	direct	ADJ
fsr-3513	305	10	influences	influence	NOUN
fsr-3513	305	11	of	of	ADP
fsr-3513	305	12	generational	generational	ADJ
fsr-3513	305	13	financial	financial	ADJ
fsr-3513	305	14	socialization	socialization	NOUN
fsr-3513	305	15	on	on	ADP
fsr-3513	305	16	financial	financial	ADJ
fsr-3513	305	17	knowledge	knowledge	NOUN
fsr-3513	305	18	,	,	PUNCT
fsr-3513	305	19	goal	goal	NOUN
fsr-3513	305	20	setting	setting	NOUN
fsr-3513	305	21	,	,	PUNCT
fsr-3513	305	22	and	and	CCONJ
fsr-3513	305	23	selfcontrol	selfcontrol	NOUN
fsr-3513	305	24	and	and	CCONJ
fsr-3513	305	25	its	its	PRON
fsr-3513	305	26	indirect	indirect	ADJ
fsr-3513	305	27	impact	impact	NOUN
fsr-3513	305	28	on	on	ADP
fsr-3513	305	29	financial	financial	ADJ
fsr-3513	305	30	skill	skill	NOUN
fsr-3513	305	31	and	and	CCONJ
fsr-3513	305	32	behavior	behavior	NOUN
fsr-3513	305	33	and	and	CCONJ
fsr-3513	305	34	financial	financial	ADJ
fsr-3513	305	35	and	and	CCONJ
fsr-3513	305	36	subjective	subjective	ADJ
fsr-3513	305	37	wellbeing	wellbeing	NOUN
fsr-3513	305	38	,	,	PUNCT
fsr-3513	305	39	may	may	AUX
fsr-3513	305	40	not	not	PART
fsr-3513	305	41	be	be	AUX
fsr-3513	305	42	generalized	generalize	VERB
fsr-3513	305	43	to	to	ADP
fsr-3513	305	44	younger	young	ADJ
fsr-3513	305	45	generations	generation	NOUN
fsr-3513	305	46	of	of	ADP
fsr-3513	305	47	african	african	ADJ
fsr-3513	305	48	americans	americans	PROPN
fsr-3513	305	49	.	.	PUNCT
fsr-3513	306	1	the	the	DET
fsr-3513	306	2	influences	influence	NOUN
fsr-3513	306	3	of	of	ADP
fsr-3513	306	4	financial	financial	ADJ
fsr-3513	306	5	self	self	NOUN
fsr-3513	306	6	-	-	PUNCT
fsr-3513	306	7	control	control	NOUN
fsr-3513	306	8	and	and	CCONJ
fsr-3513	306	9	behavior	behavior	NOUN
fsr-3513	306	10	undoubtedly	undoubtedly	ADV
fsr-3513	306	11	require	require	VERB
fsr-3513	306	12	further	further	ADJ
fsr-3513	306	13	investigation	investigation	NOUN
fsr-3513	306	14	by	by	ADP
fsr-3513	306	15	other	other	ADJ
fsr-3513	306	16	groups	group	NOUN
fsr-3513	306	17	of	of	ADP
fsr-3513	306	18	americans	americans	PROPN
fsr-3513	306	19	.	.	PUNCT
fsr-3513	307	1	however	however	ADV
fsr-3513	307	2	,	,	PUNCT
fsr-3513	307	3	the	the	DET
fsr-3513	307	4	relationships	relationship	NOUN
fsr-3513	307	5	in	in	ADP
fsr-3513	307	6	this	this	DET
fsr-3513	307	7	study	study	NOUN
fsr-3513	307	8	applied	apply	VERB
fsr-3513	307	9	to	to	ADP
fsr-3513	307	10	african	african	ADJ
fsr-3513	307	11	americans	americans	PROPN
fsr-3513	307	12	can	can	AUX
fsr-3513	307	13	shed	shed	VERB
fsr-3513	307	14	light	light	NOUN
fsr-3513	307	15	on	on	ADP
fsr-3513	307	16	and	and	CCONJ
fsr-3513	307	17	provide	provide	VERB
fsr-3513	307	18	a	a	DET
fsr-3513	307	19	starting	starting	NOUN
fsr-3513	307	20	point	point	NOUN
fsr-3513	307	21	for	for	ADP
fsr-3513	307	22	future	future	ADJ
fsr-3513	307	23	studies	study	NOUN
fsr-3513	307	24	on	on	ADP
fsr-3513	307	25	younger	young	ADJ
fsr-3513	307	26	generations	generation	NOUN
fsr-3513	307	27	of	of	ADP
fsr-3513	307	28	african	african	ADJ
fsr-3513	307	29	americans	americans	PROPN
fsr-3513	307	30	.	.	PUNCT
fsr-3513	308	1	thus	thus	ADV
fsr-3513	308	2	,	,	PUNCT
fsr-3513	308	3	this	this	DET
fsr-3513	308	4	conceptual	conceptual	ADJ
fsr-3513	308	5	framework	framework	NOUN
fsr-3513	308	6	could	could	AUX
fsr-3513	308	7	be	be	AUX
fsr-3513	308	8	a	a	DET
fsr-3513	308	9	starting	starting	NOUN
fsr-3513	308	10	point	point	NOUN
fsr-3513	308	11	for	for	SCONJ
fsr-3513	308	12	future	future	ADJ
fsr-3513	308	13	research	research	NOUN
fsr-3513	308	14	to	to	PART
fsr-3513	308	15	understand	understand	VERB
fsr-3513	308	16	other	other	ADJ
fsr-3513	308	17	groups	group	NOUN
fsr-3513	308	18	’	'	PUNCT
fsr-3513	308	19	financial	financial	ADJ
fsr-3513	308	20	socialization	socialization	NOUN
fsr-3513	308	21	and	and	CCONJ
fsr-3513	308	22	financial	financial	ADJ
fsr-3513	308	23	and	and	CCONJ
fsr-3513	308	24	subjective	subjective	ADJ
fsr-3513	308	25	well	well	ADV
fsr-3513	308	26	-	-	PUNCT
fsr-3513	308	27	being	being	NOUN
fsr-3513	308	28	.	.	PUNCT
fsr-3513	309	1	implications	implication	NOUN
fsr-3513	309	2	and	and	CCONJ
fsr-3513	309	3	conclusion	conclusion	NOUN
fsr-3513	309	4	financial	financial	ADJ
fsr-3513	309	5	socialization	socialization	NOUN
fsr-3513	309	6	is	be	AUX
fsr-3513	309	7	influential	influential	ADJ
fsr-3513	309	8	in	in	ADP
fsr-3513	309	9	developing	develop	VERB
fsr-3513	309	10	and	and	CCONJ
fsr-3513	309	11	bringing	bring	VERB
fsr-3513	309	12	about	about	ADP
fsr-3513	309	13	change	change	NOUN
fsr-3513	309	14	in	in	ADP
fsr-3513	309	15	wellbeing	wellbee	VERB
fsr-3513	309	16	(	(	PUNCT
fsr-3513	309	17	financial	financial	ADJ
fsr-3513	309	18	and	and	CCONJ
fsr-3513	309	19	subjective	subjective	ADJ
fsr-3513	309	20	)	)	PUNCT
fsr-3513	309	21	.	.	PUNCT
fsr-3513	310	1	at	at	ADP
fsr-3513	310	2	the	the	DET
fsr-3513	310	3	same	same	ADJ
fsr-3513	310	4	time	time	NOUN
fsr-3513	310	5	,	,	PUNCT
fsr-3513	310	6	it	it	PRON
fsr-3513	310	7	provides	provide	VERB
fsr-3513	310	8	insights	insight	NOUN
fsr-3513	310	9	into	into	ADP
fsr-3513	310	10	the	the	DET
fsr-3513	310	11	reasoning	reasoning	NOUN
fsr-3513	310	12	as	as	ADP
fsr-3513	310	13	to	to	ADP
fsr-3513	310	14	what	what	PRON
fsr-3513	310	15	drives	drive	VERB
fsr-3513	310	16	well	well	ADV
fsr-3513	310	17	-	-	PUNCT
fsr-3513	310	18	being	be	AUX
fsr-3513	310	19	(	(	PUNCT
fsr-3513	310	20	financial	financial	ADJ
fsr-3513	310	21	and	and	CCONJ
fsr-3513	310	22	subjective	subjective	ADJ
fsr-3513	310	23	)	)	PUNCT
fsr-3513	310	24	and	and	CCONJ
fsr-3513	310	25	why	why	SCONJ
fsr-3513	310	26	.	.	PUNCT
fsr-3513	311	1	consequently	consequently	ADV
fsr-3513	311	2	,	,	PUNCT
fsr-3513	311	3	understanding	understand	VERB
fsr-3513	311	4	the	the	DET
fsr-3513	311	5	wellbeing	wellbee	VERB
fsr-3513	311	6	(	(	PUNCT
fsr-3513	311	7	financial	financial	ADJ
fsr-3513	311	8	and	and	CCONJ
fsr-3513	311	9	subjective	subjective	ADJ
fsr-3513	311	10	)	)	PUNCT
fsr-3513	311	11	gap	gap	NOUN
fsr-3513	311	12	between	between	ADP
fsr-3513	311	13	7	7	NUM
fsr-3513	311	14	although	although	SCONJ
fsr-3513	311	15	the	the	DET
fsr-3513	311	16	effects	effect	NOUN
fsr-3513	311	17	of	of	ADP
fsr-3513	311	18	racism	racism	NOUN
fsr-3513	311	19	on	on	ADP
fsr-3513	311	20	well	well	ADV
fsr-3513	311	21	-	-	PUNCT
fsr-3513	311	22	being	being	NOUN
fsr-3513	311	23	have	have	AUX
fsr-3513	311	24	been	be	AUX
fsr-3513	311	25	document	document	NOUN
fsr-3513	311	26	in	in	ADP
fsr-3513	311	27	the	the	DET
fsr-3513	311	28	literature	literature	NOUN
fsr-3513	311	29	,	,	PUNCT
fsr-3513	311	30	the	the	DET
fsr-3513	311	31	models	model	NOUN
fsr-3513	311	32	and	and	CCONJ
fsr-3513	311	33	methodological	methodological	ADJ
fsr-3513	311	34	approach	approach	NOUN
fsr-3513	311	35	utilized	utilize	VERB
fsr-3513	311	36	in	in	ADP
fsr-3513	311	37	this	this	DET
fsr-3513	311	38	study	study	NOUN
fsr-3513	311	39	were	be	AUX
fsr-3513	311	40	designed	design	VERB
fsr-3513	311	41	to	to	PART
fsr-3513	311	42	hold	hold	VERB
fsr-3513	311	43	racism	racism	NOUN
fsr-3513	311	44	constant	constant	ADJ
fsr-3513	311	45	.	.	PUNCT
fsr-3513	312	1	the	the	DET
fsr-3513	312	2	methodological	methodological	ADJ
fsr-3513	312	3	approach	approach	NOUN
fsr-3513	312	4	was	be	AUX
fsr-3513	312	5	made	make	VERB
fsr-3513	312	6	strategically	strategically	ADV
fsr-3513	312	7	to	to	PART
fsr-3513	312	8	enable	enable	VERB
fsr-3513	312	9	the	the	DET
fsr-3513	312	10	exploration	exploration	NOUN
fsr-3513	312	11	of	of	ADP
fsr-3513	312	12	specific	specific	ADJ
fsr-3513	312	13	impacts	impact	NOUN
fsr-3513	312	14	of	of	ADP
fsr-3513	312	15	other	other	ADJ
fsr-3513	312	16	variables	variable	NOUN
fsr-3513	312	17	within	within	ADP
fsr-3513	312	18	environments	environment	NOUN
fsr-3513	312	19	where	where	SCONJ
fsr-3513	312	20	the	the	DET
fsr-3513	312	21	level	level	NOUN
fsr-3513	312	22	of	of	ADP
fsr-3513	312	23	racial	racial	ADJ
fsr-3513	312	24	bias	bias	NOUN
fsr-3513	312	25	or	or	CCONJ
fsr-3513	312	26	discrimination	discrimination	NOUN
fsr-3513	312	27	is	be	AUX
fsr-3513	312	28	assumed	assume	VERB
fsr-3513	312	29	to	to	PART
fsr-3513	312	30	be	be	AUX
fsr-3513	312	31	uniform	uniform	ADJ
fsr-3513	312	32	.	.	PUNCT
fsr-3513	313	1	this	this	DET
fsr-3513	313	2	methodology	methodology	NOUN
fsr-3513	313	3	allows	allow	VERB
fsr-3513	313	4	for	for	ADP
fsr-3513	313	5	a	a	DET
fsr-3513	313	6	clearer	clear	ADJ
fsr-3513	313	7	understanding	understanding	NOUN
fsr-3513	313	8	of	of	ADP
fsr-3513	313	9	how	how	SCONJ
fsr-3513	313	10	various	various	ADJ
fsr-3513	313	11	factors	factor	NOUN
fsr-3513	313	12	—	—	PUNCT
fsr-3513	313	13	such	such	ADJ
fsr-3513	313	14	as	as	ADP
fsr-3513	313	15	socio	socio	NOUN
fsr-3513	313	16	-	-	PUNCT
fsr-3513	313	17	economic	economic	ADJ
fsr-3513	313	18	status	status	NOUN
fsr-3513	313	19	,	,	PUNCT
fsr-3513	313	20	education	education	NOUN
fsr-3513	313	21	,	,	PUNCT
fsr-3513	313	22	or	or	CCONJ
fsr-3513	313	23	geographic	geographic	ADJ
fsr-3513	313	24	location	location	NOUN
fsr-3513	313	25	—	—	PUNCT
fsr-3513	313	26	operate	operate	VERB
fsr-3513	313	27	independently	independently	ADV
fsr-3513	313	28	of	of	ADP
fsr-3513	313	29	the	the	DET
fsr-3513	313	30	direct	direct	ADJ
fsr-3513	313	31	effects	effect	NOUN
fsr-3513	313	32	of	of	ADP
fsr-3513	313	33	racism	racism	NOUN
fsr-3513	313	34	.	.	PUNCT
fsr-3513	314	1	by	by	ADP
fsr-3513	314	2	examining	examine	VERB
fsr-3513	314	3	outcomes	outcome	NOUN
fsr-3513	314	4	under	under	ADP
fsr-3513	314	5	this	this	DET
fsr-3513	314	6	controlled	control	VERB
fsr-3513	314	7	condition	condition	NOUN
fsr-3513	314	8	,	,	PUNCT
fsr-3513	314	9	americans	americans	PROPN
fsr-3513	314	10	and	and	CCONJ
fsr-3513	314	11	their	their	PRON
fsr-3513	314	12	respective	respective	ADJ
fsr-3513	314	13	financial	financial	ADJ
fsr-3513	314	14	socialization	socialization	NOUN
fsr-3513	314	15	experiences	experience	NOUN
fsr-3513	314	16	remains	remain	VERB
fsr-3513	314	17	essential	essential	ADJ
fsr-3513	314	18	to	to	ADP
fsr-3513	314	19	bridging	bridge	VERB
fsr-3513	314	20	this	this	DET
fsr-3513	314	21	gap	gap	NOUN
fsr-3513	314	22	.	.	PUNCT
fsr-3513	315	1	however	however	ADV
fsr-3513	315	2	,	,	PUNCT
fsr-3513	315	3	the	the	DET
fsr-3513	315	4	complexity	complexity	NOUN
fsr-3513	315	5	of	of	ADP
fsr-3513	315	6	the	the	DET
fsr-3513	315	7	financial	financial	ADJ
fsr-3513	315	8	services	service	NOUN
fsr-3513	315	9	industry	industry	NOUN
fsr-3513	315	10	and	and	CCONJ
fsr-3513	315	11	society	society	NOUN
fsr-3513	315	12	has	have	AUX
fsr-3513	315	13	directed	direct	VERB
fsr-3513	315	14	americans	americans	PROPN
fsr-3513	315	15	toward	toward	ADP
fsr-3513	315	16	solidifying	solidify	VERB
fsr-3513	315	17	the	the	DET
fsr-3513	315	18	wellbeing	wellbee	VERB
fsr-3513	315	19	gap	gap	NOUN
fsr-3513	315	20	.	.	PUNCT
fsr-3513	316	1	increased	increase	VERB
fsr-3513	316	2	focus	focus	NOUN
fsr-3513	316	3	on	on	ADP
fsr-3513	316	4	the	the	DET
fsr-3513	316	5	well	well	ADV
fsr-3513	316	6	-	-	PUNCT
fsr-3513	316	7	being	be	AUX
fsr-3513	316	8	gap	gap	NOUN
fsr-3513	316	9	may	may	AUX
fsr-3513	316	10	expedite	expedite	VERB
fsr-3513	316	11	the	the	DET
fsr-3513	316	12	process	process	NOUN
fsr-3513	316	13	of	of	ADP
fsr-3513	316	14	increasing	increase	VERB
fsr-3513	316	15	the	the	DET
fsr-3513	316	16	level	level	NOUN
fsr-3513	316	17	of	of	ADP
fsr-3513	316	18	financial	financial	ADJ
fsr-3513	316	19	literacy	literacy	NOUN
fsr-3513	316	20	across	across	ADP
fsr-3513	316	21	all	all	DET
fsr-3513	316	22	age	age	NOUN
fsr-3513	316	23	groups	group	NOUN
fsr-3513	316	24	,	,	PUNCT
fsr-3513	316	25	enhancing	enhance	VERB
fsr-3513	316	26	americans	american	NOUN
fsr-3513	316	27	’	'	PUNCT
fsr-3513	316	28	financial	financial	ADJ
fsr-3513	316	29	socialization	socialization	NOUN
fsr-3513	316	30	.	.	PUNCT
fsr-3513	317	1	as	as	ADP
fsr-3513	317	2	such	such	ADJ
fsr-3513	317	3	,	,	PUNCT
fsr-3513	317	4	it	it	PRON
fsr-3513	317	5	is	be	AUX
fsr-3513	317	6	imperative	imperative	ADJ
fsr-3513	317	7	for	for	ADP
fsr-3513	317	8	educators	educator	NOUN
fsr-3513	317	9	,	,	PUNCT
fsr-3513	317	10	employers	employer	NOUN
fsr-3513	317	11	,	,	PUNCT
fsr-3513	317	12	and	and	CCONJ
fsr-3513	317	13	policymakers	policymaker	NOUN
fsr-3513	317	14	to	to	PART
fsr-3513	317	15	strategically	strategically	ADV
fsr-3513	317	16	address	address	VERB
fsr-3513	317	17	what	what	PRON
fsr-3513	317	18	sets	set	VERB
fsr-3513	317	19	ethnic	ethnic	ADJ
fsr-3513	317	20	groups	group	NOUN
fsr-3513	317	21	apart	apart	ADV
fsr-3513	317	22	from	from	ADP
fsr-3513	317	23	and	and	CCONJ
fsr-3513	317	24	what	what	PRON
fsr-3513	317	25	integrates	integrate	VERB
fsr-3513	317	26	them	they	PRON
fsr-3513	317	27	into	into	ADP
fsr-3513	317	28	their	their	PRON
fsr-3513	317	29	well	well	ADV
fsr-3513	317	30	-	-	PUNCT
fsr-3513	317	31	being	be	AUX
fsr-3513	317	32	(	(	PUNCT
fsr-3513	317	33	financial	financial	ADJ
fsr-3513	317	34	and	and	CCONJ
fsr-3513	317	35	subjective).7	subjective).7	VERB
fsr-3513	317	36	this	this	DET
fsr-3513	317	37	study	study	NOUN
fsr-3513	317	38	highlights	highlight	VERB
fsr-3513	317	39	the	the	DET
fsr-3513	317	40	importance	importance	NOUN
fsr-3513	317	41	of	of	ADP
fsr-3513	317	42	understanding	understand	VERB
fsr-3513	317	43	the	the	DET
fsr-3513	317	44	financial	financial	ADJ
fsr-3513	317	45	socialization	socialization	NOUN
fsr-3513	317	46	of	of	ADP
fsr-3513	317	47	americans	americans	PROPN
fsr-3513	317	48	’	'	PUNCT
fsr-3513	317	49	pathways	pathway	NOUN
fsr-3513	317	50	to	to	ADP
fsr-3513	317	51	well	well	ADV
fsr-3513	317	52	-	-	PUNCT
fsr-3513	317	53	being	be	AUX
fsr-3513	317	54	(	(	PUNCT
fsr-3513	317	55	financial	financial	ADJ
fsr-3513	317	56	and	and	CCONJ
fsr-3513	317	57	subjective	subjective	ADJ
fsr-3513	317	58	)	)	PUNCT
fsr-3513	317	59	.	.	PUNCT
fsr-3513	318	1	results	result	NOUN
fsr-3513	318	2	also	also	ADV
fsr-3513	318	3	provide	provide	VERB
fsr-3513	318	4	insight	insight	NOUN
fsr-3513	318	5	into	into	ADP
fsr-3513	318	6	ways	way	NOUN
fsr-3513	318	7	to	to	PART
fsr-3513	318	8	improve	improve	VERB
fsr-3513	318	9	financial	financial	ADJ
fsr-3513	318	10	skills	skill	NOUN
fsr-3513	318	11	development	development	NOUN
fsr-3513	318	12	and	and	CCONJ
fsr-3513	318	13	financial	financial	ADJ
fsr-3513	318	14	management	management	NOUN
fsr-3513	318	15	behaviors	behavior	NOUN
fsr-3513	318	16	for	for	ADP
fsr-3513	318	17	all	all	DET
fsr-3513	318	18	americans	americans	PROPN
fsr-3513	318	19	,	,	PUNCT
fsr-3513	318	20	despite	despite	SCONJ
fsr-3513	318	21	ethnic	ethnic	ADJ
fsr-3513	318	22	diversity	diversity	NOUN
fsr-3513	318	23	.	.	PUNCT
fsr-3513	319	1	since	since	SCONJ
fsr-3513	319	2	african	african	ADJ
fsr-3513	319	3	americans	americans	PROPN
fsr-3513	319	4	comprise	comprise	VERB
fsr-3513	319	5	the	the	DET
fsr-3513	319	6	principal	principal	ADJ
fsr-3513	319	7	share	share	NOUN
fsr-3513	319	8	of	of	ADP
fsr-3513	319	9	low	low	ADJ
fsr-3513	319	10	-	-	PUNCT
fsr-3513	319	11	income	income	NOUN
fsr-3513	319	12	americans	americans	PROPN
fsr-3513	319	13	(	(	PUNCT
fsr-3513	319	14	creamer	creamer	NOUN
fsr-3513	319	15	,	,	PUNCT
fsr-3513	319	16	2021	2021	NUM
fsr-3513	319	17	)	)	PUNCT
fsr-3513	319	18	,	,	PUNCT
fsr-3513	319	19	knowing	know	VERB
fsr-3513	319	20	more	more	ADJ
fsr-3513	319	21	about	about	ADP
fsr-3513	319	22	their	their	PRON
fsr-3513	319	23	financial	financial	ADJ
fsr-3513	319	24	inclusion	inclusion	NOUN
fsr-3513	319	25	will	will	AUX
fsr-3513	319	26	push	push	VERB
fsr-3513	319	27	financial	financial	ADJ
fsr-3513	319	28	literacy	literacy	NOUN
fsr-3513	319	29	to	to	ADP
fsr-3513	319	30	the	the	DET
fsr-3513	319	31	next	next	ADJ
fsr-3513	319	32	level	level	NOUN
fsr-3513	319	33	to	to	PART
fsr-3513	319	34	embrace	embrace	VERB
fsr-3513	319	35	all	all	DET
fsr-3513	319	36	americans	americans	PROPN
fsr-3513	319	37	.	.	PUNCT
fsr-3513	320	1	such	such	ADJ
fsr-3513	320	2	knowledge	knowledge	NOUN
fsr-3513	320	3	will	will	AUX
fsr-3513	320	4	also	also	ADV
fsr-3513	320	5	help	help	VERB
fsr-3513	320	6	to	to	PART
fsr-3513	320	7	introduce	introduce	VERB
fsr-3513	320	8	financial	financial	ADJ
fsr-3513	320	9	literacy	literacy	NOUN
fsr-3513	320	10	at	at	ADP
fsr-3513	320	11	an	an	DET
fsr-3513	320	12	earlier	early	ADJ
fsr-3513	320	13	stage	stage	NOUN
fsr-3513	320	14	in	in	ADP
fsr-3513	320	15	life	life	NOUN
fsr-3513	320	16	,	,	PUNCT
fsr-3513	320	17	thus	thus	ADV
fsr-3513	320	18	reinforcing	reinforce	VERB
fsr-3513	320	19	financial	financial	ADJ
fsr-3513	320	20	self	self	NOUN
fsr-3513	320	21	-	-	PUNCT
fsr-3513	320	22	control	control	NOUN
fsr-3513	320	23	and	and	CCONJ
fsr-3513	320	24	impacting	impact	VERB
fsr-3513	320	25	financial	financial	ADJ
fsr-3513	320	26	management	management	NOUN
fsr-3513	320	27	behaviors	behavior	NOUN
fsr-3513	320	28	later	later	ADV
fsr-3513	320	29	in	in	ADP
fsr-3513	320	30	life	life	NOUN
fsr-3513	320	31	.	.	PUNCT
fsr-3513	321	1	thus	thus	ADV
fsr-3513	321	2	,	,	PUNCT
fsr-3513	321	3	meticulously	meticulously	ADV
fsr-3513	321	4	implementing	implement	VERB
fsr-3513	321	5	financial	financial	ADJ
fsr-3513	321	6	literary	literary	ADJ
fsr-3513	321	7	at	at	ADP
fsr-3513	321	8	different	different	ADJ
fsr-3513	321	9	stages	stage	NOUN
fsr-3513	321	10	of	of	ADP
fsr-3513	321	11	development	development	NOUN
fsr-3513	321	12	and	and	CCONJ
fsr-3513	321	13	having	have	VERB
fsr-3513	321	14	a	a	DET
fsr-3513	321	15	clear	clear	ADJ
fsr-3513	321	16	understanding	understanding	NOUN
fsr-3513	321	17	of	of	ADP
fsr-3513	321	18	what	what	PRON
fsr-3513	321	19	makes	make	VERB
fsr-3513	321	20	ethnic	ethnic	ADJ
fsr-3513	321	21	groups	group	NOUN
fsr-3513	321	22	different	different	ADJ
fsr-3513	321	23	will	will	AUX
fsr-3513	321	24	prove	prove	VERB
fsr-3513	321	25	pivotal	pivotal	ADJ
fsr-3513	321	26	to	to	ADP
fsr-3513	321	27	addressing	address	VERB
fsr-3513	321	28	the	the	DET
fsr-3513	321	29	well	well	ADV
fsr-3513	321	30	-	-	PUNCT
fsr-3513	321	31	being	be	AUX
fsr-3513	321	32	(	(	PUNCT
fsr-3513	321	33	financial	financial	ADJ
fsr-3513	321	34	and	and	CCONJ
fsr-3513	321	35	subjective	subjective	ADJ
fsr-3513	321	36	)	)	PUNCT
fsr-3513	321	37	gap	gap	NOUN
fsr-3513	321	38	between	between	ADP
fsr-3513	321	39	african	african	ADJ
fsr-3513	321	40	and	and	CCONJ
fsr-3513	321	41	european	european	ADJ
fsr-3513	321	42	americans	americans	PROPN
fsr-3513	321	43	.	.	PUNCT
fsr-3513	322	1	it	it	PRON
fsr-3513	322	2	is	be	AUX
fsr-3513	322	3	possible	possible	ADJ
fsr-3513	322	4	to	to	PART
fsr-3513	322	5	identify	identify	VERB
fsr-3513	322	6	patterns	pattern	NOUN
fsr-3513	322	7	,	,	PUNCT
fsr-3513	322	8	disparities	disparity	NOUN
fsr-3513	322	9	,	,	PUNCT
fsr-3513	322	10	and	and	CCONJ
fsr-3513	322	11	potential	potential	ADJ
fsr-3513	322	12	causal	causal	ADJ
fsr-3513	322	13	relationships	relationship	NOUN
fsr-3513	322	14	that	that	SCONJ
fsr-3513	322	15	the	the	DET
fsr-3513	322	16	pervasive	pervasive	ADJ
fsr-3513	322	17	influence	influence	NOUN
fsr-3513	322	18	of	of	ADP
fsr-3513	322	19	racial	racial	ADJ
fsr-3513	322	20	discrimination	discrimination	NOUN
fsr-3513	322	21	might	might	AUX
fsr-3513	322	22	otherwise	otherwise	ADV
fsr-3513	322	23	obscure	obscure	VERB
fsr-3513	322	24	.	.	PUNCT
fsr-3513	323	1	this	this	DET
fsr-3513	323	2	approach	approach	NOUN
fsr-3513	323	3	is	be	AUX
fsr-3513	323	4	crucial	crucial	ADJ
fsr-3513	323	5	in	in	ADP
fsr-3513	323	6	social	social	ADJ
fsr-3513	323	7	science	science	NOUN
fsr-3513	323	8	,	,	PUNCT
fsr-3513	323	9	sociology	sociology	NOUN
fsr-3513	323	10	,	,	PUNCT
fsr-3513	323	11	psychology	psychology	NOUN
fsr-3513	323	12	,	,	PUNCT
fsr-3513	323	13	and	and	CCONJ
fsr-3513	323	14	financial	financial	ADJ
fsr-3513	323	15	well	well	NOUN
fsr-3513	323	16	-	-	PUNCT
fsr-3513	323	17	being	being	NOUN
fsr-3513	323	18	,	,	PUNCT
fsr-3513	323	19	where	where	SCONJ
fsr-3513	323	20	isolating	isolate	VERB
fsr-3513	323	21	the	the	DET
fsr-3513	323	22	distinct	distinct	ADJ
fsr-3513	323	23	effects	effect	NOUN
fsr-3513	323	24	of	of	ADP
fsr-3513	323	25	systemic	systemic	ADJ
fsr-3513	323	26	and	and	CCONJ
fsr-3513	323	27	interpersonal	interpersonal	ADJ
fsr-3513	323	28	racism	racism	NOUN
fsr-3513	323	29	from	from	ADP
fsr-3513	323	30	other	other	ADJ
fsr-3513	323	31	variables	variable	NOUN
fsr-3513	323	32	is	be	AUX
fsr-3513	323	33	essential	essential	ADJ
fsr-3513	323	34	for	for	ADP
fsr-3513	323	35	devising	devise	VERB
fsr-3513	323	36	effective	effective	ADJ
fsr-3513	323	37	interventions	intervention	NOUN
fsr-3513	323	38	and	and	CCONJ
fsr-3513	323	39	policies	policy	NOUN
fsr-3513	323	40	.	.	PUNCT
fsr-3513	324	1	it	it	PRON
fsr-3513	324	2	provides	provide	VERB
fsr-3513	324	3	a	a	DET
fsr-3513	324	4	nuanced	nuanced	ADJ
fsr-3513	324	5	understanding	understanding	NOUN
fsr-3513	324	6	of	of	ADP
fsr-3513	324	7	inequality	inequality	NOUN
fsr-3513	324	8	and	and	CCONJ
fsr-3513	324	9	injustice	injustice	NOUN
fsr-3513	324	10	,	,	PUNCT
fsr-3513	324	11	facilitating	facilitate	VERB
fsr-3513	324	12	targeted	target	VERB
fsr-3513	324	13	strategies	strategy	NOUN
fsr-3513	324	14	that	that	PRON
fsr-3513	324	15	address	address	VERB
fsr-3513	324	16	specific	specific	ADJ
fsr-3513	324	17	barriers	barrier	NOUN
fsr-3513	324	18	to	to	ADP
fsr-3513	324	19	equity	equity	NOUN
fsr-3513	324	20	and	and	CCONJ
fsr-3513	324	21	inclusion	inclusion	NOUN
fsr-3513	324	22	while	while	SCONJ
fsr-3513	324	23	acknowledging	acknowledge	VERB
fsr-3513	324	24	the	the	DET
fsr-3513	324	25	broader	broad	ADJ
fsr-3513	324	26	context	context	NOUN
fsr-3513	324	27	of	of	ADP
fsr-3513	324	28	racism	racism	NOUN
fsr-3513	324	29	.	.	PUNCT
fsr-3513	325	1	financial	financial	ADJ
fsr-3513	325	2	services	service	NOUN
fsr-3513	325	3	review	review	PROPN
fsr-3513	325	4	,	,	PUNCT
fsr-3513	325	5	32(2	32(2	NUM
fsr-3513	325	6	)	)	PUNCT
fsr-3513	325	7	70	70	NUM
fsr-3513	325	8	references	reference	NOUN
fsr-3513	325	9	achtziger	achtziger	ADJ
fsr-3513	325	10	,	,	PUNCT
fsr-3513	325	11	a.	a.	PROPN
fsr-3513	325	12	,	,	PUNCT
fsr-3513	325	13	hubert	hubert	PROPN
fsr-3513	325	14	,	,	PUNCT
fsr-3513	325	15	m.	m.	NOUN
fsr-3513	325	16	,	,	PUNCT
fsr-3513	325	17	kenning	kenning	PROPN
fsr-3513	325	18	,	,	PUNCT
fsr-3513	325	19	p.	p.	PROPN
fsr-3513	325	20	,	,	PUNCT
fsr-3513	325	21	raab	raab	PROPN
fsr-3513	325	22	,	,	PUNCT
fsr-3513	325	23	g.	g.	PROPN
fsr-3513	325	24	,	,	PUNCT
fsr-3513	325	25	&	&	CCONJ
fsr-3513	325	26	reisch	reisch	PROPN
fsr-3513	325	27	,	,	PUNCT
fsr-3513	325	28	l.	l.	PROPN
fsr-3513	325	29	(	(	PUNCT
fsr-3513	325	30	2015	2015	NUM
fsr-3513	325	31	)	)	PUNCT
fsr-3513	325	32	.	.	PUNCT
fsr-3513	326	1	debt	debt	NOUN
fsr-3513	326	2	out	out	ADP
fsr-3513	326	3	of	of	ADP
fsr-3513	326	4	control	control	NOUN
fsr-3513	326	5	:	:	PUNCT
fsr-3513	326	6	the	the	DET
fsr-3513	326	7	links	link	NOUN
fsr-3513	326	8	between	between	ADP
fsr-3513	326	9	selfcontrol	selfcontrol	NOUN
fsr-3513	326	10	,	,	PUNCT
fsr-3513	326	11	compulsive	compulsive	ADJ
fsr-3513	326	12	buying	buying	NOUN
fsr-3513	326	13	,	,	PUNCT
fsr-3513	326	14	and	and	CCONJ
fsr-3513	326	15	real	real	ADJ
fsr-3513	326	16	debts	debt	NOUN
fsr-3513	326	17	.	.	PUNCT
fsr-3513	327	1	journal	journal	NOUN
fsr-3513	327	2	of	of	ADP
fsr-3513	327	3	economic	economic	ADJ
fsr-3513	327	4	psychology	psychology	NOUN
fsr-3513	327	5	,	,	PUNCT
fsr-3513	327	6	49	49	NUM
fsr-3513	327	7	,	,	PUNCT
fsr-3513	327	8	141–149	141–149	NUM
fsr-3513	327	9	.	.	PUNCT
fsr-3513	328	1	https://doi.org/10.1016/j.joep.2015.0	https://doi.org/10.1016/j.joep.2015.0	NUM
fsr-3513	328	2	4.003	4.003	NUM
fsr-3513	328	3	agnew	agnew	PROPN
fsr-3513	328	4	,	,	PUNCT
fsr-3513	328	5	s.	s.	PROPN
fsr-3513	328	6	,	,	PUNCT
fsr-3513	328	7	maras	mara	NOUN
fsr-3513	328	8	,	,	PUNCT
fsr-3513	328	9	p.	p.	NOUN
fsr-3513	328	10	,	,	PUNCT
fsr-3513	328	11	&	&	CCONJ
fsr-3513	328	12	moon	moon	PROPN
fsr-3513	328	13	,	,	PUNCT
fsr-3513	328	14	a.	a.	NOUN
fsr-3513	328	15	(	(	PUNCT
fsr-3513	328	16	2018	2018	NUM
fsr-3513	328	17	)	)	PUNCT
fsr-3513	328	18	.	.	PUNCT
fsr-3513	329	1	gender	gender	NOUN
fsr-3513	329	2	differences	difference	NOUN
fsr-3513	329	3	in	in	ADP
fsr-3513	329	4	financial	financial	ADJ
fsr-3513	329	5	socialization	socialization	NOUN
fsr-3513	329	6	in	in	ADP
fsr-3513	329	7	the	the	DET
fsr-3513	329	8	home	home	NOUN
fsr-3513	329	9	—	—	PUNCT
fsr-3513	329	10	an	an	DET
fsr-3513	329	11	exploratory	exploratory	ADJ
fsr-3513	329	12	study	study	NOUN
fsr-3513	329	13	.	.	PUNCT
fsr-3513	330	1	international	international	ADJ
fsr-3513	330	2	journal	journal	PROPN
fsr-3513	330	3	of	of	ADP
fsr-3513	330	4	consumer	consumer	NOUN
fsr-3513	330	5	studies	study	NOUN
fsr-3513	330	6	,	,	PUNCT
fsr-3513	330	7	42(3	42(3	NUM
fsr-3513	330	8	)	)	PUNCT
fsr-3513	330	9	,	,	PUNCT
fsr-3513	330	10	275–282	275–282	NUM
fsr-3513	330	11	.	.	PUNCT
fsr-3513	331	1	https://doi.org/10.1111/ijcs.12415	https://doi.org/10.1111/ijcs.12415	CCONJ
fsr-3513	331	2	albort	albort	NOUN
fsr-3513	331	3	-	-	PUNCT
fsr-3513	331	4	morant	morant	NOUN
fsr-3513	331	5	,	,	PUNCT
fsr-3513	331	6	g.	g.	PROPN
fsr-3513	331	7	,	,	PUNCT
fsr-3513	331	8	leal	leal	ADJ
fsr-3513	331	9	-	-	PUNCT
fsr-3513	331	10	rodríguez	rodríguez	NOUN
fsr-3513	331	11	,	,	PUNCT
fsr-3513	331	12	a.	a.	PROPN
fsr-3513	331	13	l.	l.	PROPN
fsr-3513	331	14	,	,	PUNCT
fsr-3513	331	15	&	&	CCONJ
fsr-3513	331	16	de	de	X
fsr-3513	331	17	marchi	marchi	PROPN
fsr-3513	331	18	,	,	PUNCT
fsr-3513	331	19	v.	v.	PROPN
fsr-3513	331	20	(	(	PUNCT
fsr-3513	331	21	2018	2018	NUM
fsr-3513	331	22	)	)	PUNCT
fsr-3513	331	23	.	.	PUNCT
fsr-3513	332	1	absorptive	absorptive	ADJ
fsr-3513	332	2	capacity	capacity	NOUN
fsr-3513	332	3	and	and	CCONJ
fsr-3513	332	4	relationship	relationship	NOUN
fsr-3513	332	5	learning	learning	NOUN
fsr-3513	332	6	mechanisms	mechanism	NOUN
fsr-3513	332	7	as	as	ADP
fsr-3513	332	8	complementary	complementary	ADJ
fsr-3513	332	9	drivers	driver	NOUN
fsr-3513	332	10	of	of	ADP
fsr-3513	332	11	green	green	ADJ
fsr-3513	332	12	innovation	innovation	NOUN
fsr-3513	332	13	performance	performance	NOUN
fsr-3513	332	14	.	.	PUNCT
fsr-3513	333	1	journal	journal	PROPN
fsr-3513	333	2	of	of	ADP
fsr-3513	333	3	knowledge	knowledge	PROPN
fsr-3513	333	4	management	management	NOUN
fsr-3513	333	5	,	,	PUNCT
fsr-3513	333	6	22(2	22(2	NUM
fsr-3513	333	7	)	)	PUNCT
fsr-3513	333	8	,	,	PUNCT
fsr-3513	333	9	432–452	432–452	NUM
fsr-3513	333	10	.	.	PUNCT
fsr-3513	333	11	https://doi.org/10.1108/jkm-07-20170310	https://doi.org/10.1108/jkm-07-20170310	X
fsr-3513	334	1	american	american	ADJ
fsr-3513	334	2	psychological	psychological	PROPN
fsr-3513	334	3	association	association	PROPN
fsr-3513	334	4	.	.	PUNCT
fsr-3513	335	1	(	(	PUNCT
fsr-3513	335	2	2015	2015	NUM
fsr-3513	335	3	)	)	PUNCT
fsr-3513	335	4	.	.	PUNCT
fsr-3513	336	1	guidelines	guideline	NOUN
fsr-3513	336	2	for	for	ADP
fsr-3513	336	3	psychological	psychological	ADJ
fsr-3513	336	4	practice	practice	NOUN
fsr-3513	336	5	with	with	ADP
fsr-3513	336	6	transgender	transgender	NOUN
fsr-3513	336	7	and	and	CCONJ
fsr-3513	336	8	gender	gender	NOUN
fsr-3513	336	9	nonconforming	nonconforme	VERB
fsr-3513	336	10	people	people	NOUN
fsr-3513	336	11	.	.	PUNCT
fsr-3513	337	1	american	american	ADJ
fsr-3513	337	2	psychologist	psychologist	NOUN
fsr-3513	337	3	,	,	PUNCT
fsr-3513	337	4	70(9	70(9	NUM
fsr-3513	337	5	)	)	PUNCT
fsr-3513	337	6	,	,	PUNCT
fsr-3513	337	7	832–864	832–864	NUM
fsr-3513	337	8	.	.	PUNCT
fsr-3513	338	1	https://doi.org/10.1037/a0039906	https://doi.org/10.1037/a0039906	NUM
fsr-3513	338	2	ammerman	ammerman	NOUN
fsr-3513	338	3	,	,	PUNCT
fsr-3513	338	4	d.	d.	PROPN
fsr-3513	338	5	a.	a.	PROPN
fsr-3513	338	6	,	,	PUNCT
fsr-3513	338	7	&	&	CCONJ
fsr-3513	338	8	stueve	stueve	PROPN
fsr-3513	338	9	,	,	PUNCT
fsr-3513	338	10	c.	c.	PROPN
fsr-3513	338	11	(	(	PUNCT
fsr-3513	338	12	2019	2019	NUM
fsr-3513	338	13	)	)	PUNCT
fsr-3513	338	14	.	.	PUNCT
fsr-3513	339	1	childhood	childhood	PROPN
fsr-3513	339	2	financial	financial	ADJ
fsr-3513	339	3	socialization	socialization	NOUN
fsr-3513	339	4	and	and	CCONJ
fsr-3513	339	5	debt	debt	NOUN
fsr-3513	339	6	-	-	PUNCT
fsr-3513	339	7	related	relate	VERB
fsr-3513	339	8	financial	financial	ADJ
fsr-3513	339	9	well	well	ADV
fsr-3513	339	10	-	-	PUNCT
fsr-3513	339	11	being	being	NOUN
fsr-3513	339	12	indicators	indicator	NOUN
fsr-3513	339	13	in	in	ADP
fsr-3513	339	14	adulthood	adulthood	NOUN
fsr-3513	339	15	.	.	PUNCT
fsr-3513	340	1	journal	journal	NOUN
fsr-3513	340	2	of	of	ADP
fsr-3513	340	3	financial	financial	ADJ
fsr-3513	340	4	counseling	counseling	NOUN
fsr-3513	340	5	and	and	CCONJ
fsr-3513	340	6	planning	planning	NOUN
fsr-3513	340	7	,	,	PUNCT
fsr-3513	340	8	30(2	30(2	NUM
fsr-3513	340	9	)	)	PUNCT
fsr-3513	340	10	,	,	PUNCT
fsr-3513	340	11	213–230	213–230	NUM
fsr-3513	340	12	.	.	PUNCT
fsr-3513	341	1	https://doi.org/10.1891/10523073.30.2.213	https://doi.org/10.1891/10523073.30.2.213	PROPN
fsr-3513	341	2	ariely	ariely	ADV
fsr-3513	341	3	,	,	PUNCT
fsr-3513	341	4	d.	d.	PROPN
fsr-3513	341	5	,	,	PUNCT
fsr-3513	341	6	&	&	CCONJ
fsr-3513	341	7	wertenbroch	wertenbroch	PROPN
fsr-3513	341	8	,	,	PUNCT
fsr-3513	341	9	k.	k.	PROPN
fsr-3513	341	10	(	(	PUNCT
fsr-3513	341	11	2002	2002	NUM
fsr-3513	341	12	)	)	PUNCT
fsr-3513	341	13	.	.	PUNCT
fsr-3513	342	1	procrastination	procrastination	NOUN
fsr-3513	342	2	,	,	PUNCT
fsr-3513	342	3	deadlines	deadline	NOUN
fsr-3513	342	4	,	,	PUNCT
fsr-3513	342	5	and	and	CCONJ
fsr-3513	342	6	performance	performance	NOUN
fsr-3513	342	7	:	:	PUNCT
fsr-3513	342	8	self	self	NOUN
fsr-3513	342	9	-	-	PUNCT
fsr-3513	342	10	control	control	NOUN
fsr-3513	342	11	by	by	ADP
fsr-3513	342	12	precommitment	precommitment	NOUN
fsr-3513	342	13	.	.	PUNCT
fsr-3513	343	1	psychological	psychological	ADJ
fsr-3513	343	2	science	science	NOUN
fsr-3513	343	3	,	,	PUNCT
fsr-3513	343	4	13(3	13(3	NUM
fsr-3513	343	5	)	)	PUNCT
fsr-3513	343	6	,	,	PUNCT
fsr-3513	343	7	219–224	219–224	NUM
fsr-3513	343	8	.	.	NOUN
fsr-3513	343	9	https://doi.org/10.1111/14679280.00441	https://doi.org/10.1111/14679280.00441	PROPN
fsr-3513	343	10	atalay	atalay	PROPN
fsr-3513	343	11	,	,	PUNCT
fsr-3513	343	12	k.	k.	PROPN
fsr-3513	343	13	,	,	PUNCT
fsr-3513	343	14	&	&	CCONJ
fsr-3513	343	15	edwards	edwards	PROPN
fsr-3513	343	16	,	,	PUNCT
fsr-3513	343	17	r.	r.	PROPN
fsr-3513	343	18	(	(	PUNCT
fsr-3513	343	19	2022	2022	NUM
fsr-3513	343	20	)	)	PUNCT
fsr-3513	343	21	.	.	PUNCT
fsr-3513	344	1	house	house	NOUN
fsr-3513	344	2	prices	price	NOUN
fsr-3513	344	3	,	,	PUNCT
fsr-3513	344	4	housing	housing	NOUN
fsr-3513	344	5	wealth	wealth	NOUN
fsr-3513	344	6	,	,	PUNCT
fsr-3513	344	7	and	and	CCONJ
fsr-3513	344	8	financial	financial	ADJ
fsr-3513	344	9	well	well	NOUN
fsr-3513	344	10	-	-	PUNCT
fsr-3513	344	11	being	being	NOUN
fsr-3513	344	12	.	.	PUNCT
fsr-3513	345	1	journal	journal	PROPN
fsr-3513	345	2	of	of	ADP
fsr-3513	345	3	urban	urban	ADJ
fsr-3513	345	4	economics	economic	NOUN
fsr-3513	345	5	.	.	PUNCT
fsr-3513	346	1	129(c	129(c	NUM
fsr-3513	346	2	)	)	PUNCT
fsr-3513	346	3	.	.	PUNCT
fsr-3513	347	1	https://doi.org/10.1016/j.jue.2022.10	https://doi.org/10.1016/j.jue.2022.10	NOUN
fsr-3513	347	2	3438	3438	NUM
fsr-3513	347	3	bagozzi	bagozzi	NOUN
fsr-3513	347	4	,	,	PUNCT
fsr-3513	347	5	r.	r.	PROPN
fsr-3513	347	6	,	,	PUNCT
fsr-3513	347	7	&	&	CCONJ
fsr-3513	347	8	yi	yi	PROPN
fsr-3513	347	9	,	,	PUNCT
fsr-3513	347	10	y.	y.	PROPN
fsr-3513	347	11	(	(	PUNCT
fsr-3513	347	12	1988	1988	NUM
fsr-3513	347	13	)	)	PUNCT
fsr-3513	347	14	.	.	PUNCT
fsr-3513	348	1	on	on	ADP
fsr-3513	348	2	the	the	DET
fsr-3513	348	3	evaluation	evaluation	NOUN
fsr-3513	348	4	of	of	ADP
fsr-3513	348	5	structural	structural	ADJ
fsr-3513	348	6	equation	equation	NOUN
fsr-3513	348	7	models	model	NOUN
fsr-3513	348	8	.	.	PUNCT
fsr-3513	349	1	journal	journal	NOUN
fsr-3513	349	2	of	of	ADP
fsr-3513	349	3	the	the	DET
fsr-3513	349	4	academy	academy	NOUN
fsr-3513	349	5	of	of	ADP
fsr-3513	349	6	marketing	marketing	NOUN
fsr-3513	349	7	science	science	NOUN
fsr-3513	349	8	,	,	PUNCT
fsr-3513	349	9	16(1	16(1	NUM
fsr-3513	349	10	)	)	PUNCT
fsr-3513	349	11	,	,	PUNCT
fsr-3513	349	12	74–94	74–94	NUM
fsr-3513	349	13	.	.	PUNCT
fsr-3513	350	1	https://doi.org/10.1007/bf02723327	https://doi.org/10.1007/bf02723327	PROPN
fsr-3513	350	2	bernheim	bernheim	PROPN
fsr-3513	350	3	,	,	PUNCT
fsr-3513	350	4	b.	b.	PROPN
fsr-3513	350	5	d.	d.	PROPN
fsr-3513	350	6	,	,	PUNCT
fsr-3513	350	7	&	&	CCONJ
fsr-3513	350	8	garrett	garrett	PROPN
fsr-3513	350	9	,	,	PUNCT
fsr-3513	350	10	d.	d.	PROPN
fsr-3513	350	11	m.	m.	PROPN
fsr-3513	350	12	(	(	PUNCT
fsr-3513	350	13	2003	2003	NUM
fsr-3513	350	14	)	)	PUNCT
fsr-3513	350	15	.	.	PUNCT
fsr-3513	351	1	the	the	DET
fsr-3513	351	2	effects	effect	NOUN
fsr-3513	351	3	of	of	ADP
fsr-3513	351	4	financial	financial	ADJ
fsr-3513	351	5	education	education	NOUN
fsr-3513	351	6	in	in	ADP
fsr-3513	351	7	the	the	DET
fsr-3513	351	8	workplace	workplace	NOUN
fsr-3513	351	9	:	:	PUNCT
fsr-3513	351	10	evidence	evidence	NOUN
fsr-3513	351	11	from	from	ADP
fsr-3513	351	12	a	a	DET
fsr-3513	351	13	survey	survey	NOUN
fsr-3513	351	14	of	of	ADP
fsr-3513	351	15	households	household	NOUN
fsr-3513	351	16	.	.	PUNCT
fsr-3513	352	1	journal	journal	NOUN
fsr-3513	352	2	of	of	ADP
fsr-3513	352	3	public	public	ADJ
fsr-3513	352	4	economics	economic	NOUN
fsr-3513	352	5	,	,	PUNCT
fsr-3513	352	6	87(7–8	87(7–8	PROPN
fsr-3513	352	7	)	)	PUNCT
fsr-3513	352	8	,	,	PUNCT
fsr-3513	352	9	1487	1487	NUM
fsr-3513	352	10	–	–	PUNCT
fsr-3513	352	11	1519	1519	NUM
fsr-3513	352	12	.	.	PUNCT
fsr-3513	353	1	bernheim	bernheim	PROPN
fsr-3513	353	2	,	,	PUNCT
fsr-3513	353	3	b.	b.	PROPN
fsr-3513	353	4	d.	d.	PROPN
fsr-3513	353	5	,	,	PUNCT
fsr-3513	353	6	garrett	garrett	PROPN
fsr-3513	353	7	,	,	PUNCT
fsr-3513	353	8	d.	d.	PROPN
fsr-3513	353	9	m.	m.	PROPN
fsr-3513	353	10	,	,	PUNCT
fsr-3513	353	11	&	&	CCONJ
fsr-3513	353	12	maki	maki	PROPN
fsr-3513	353	13	,	,	PUNCT
fsr-3513	353	14	d.	d.	PROPN
fsr-3513	353	15	m.	m.	PROPN
fsr-3513	353	16	(	(	PUNCT
fsr-3513	353	17	1997	1997	NUM
fsr-3513	353	18	)	)	PUNCT
fsr-3513	353	19	.	.	PUNCT
fsr-3513	354	1	education	education	NOUN
fsr-3513	354	2	and	and	CCONJ
fsr-3513	354	3	savings	saving	NOUN
fsr-3513	354	4	:	:	PUNCT
fsr-3513	354	5	the	the	DET
fsr-3513	354	6	long	long	ADJ
fsr-3513	354	7	-	-	PUNCT
fsr-3513	354	8	term	term	NOUN
fsr-3513	354	9	effects	effect	NOUN
fsr-3513	354	10	of	of	ADP
fsr-3513	354	11	high	high	ADJ
fsr-3513	354	12	school	school	NOUN
fsr-3513	354	13	curriculum	curriculum	NOUN
fsr-3513	354	14	mandates	mandate	NOUN
fsr-3513	354	15	.	.	PUNCT
fsr-3513	355	1	nber	nber	PROPN
fsr-3513	355	2	working	working	PROPN
fsr-3513	355	3	paper	paper	PROPN
fsr-3513	355	4	,	,	PUNCT
fsr-3513	355	5	(	(	PUNCT
fsr-3513	355	6	6085	6085	NUM
fsr-3513	355	7	)	)	PUNCT
fsr-3513	355	8	.	.	PUNCT
fsr-3513	356	1	brown	brown	PROPN
fsr-3513	356	2	,	,	PUNCT
fsr-3513	356	3	c.	c.	PROPN
fsr-3513	356	4	,	,	PUNCT
fsr-3513	356	5	&	&	CCONJ
fsr-3513	356	6	robinson	robinson	PROPN
fsr-3513	356	7	,	,	PUNCT
fsr-3513	356	8	l.	l.	PROPN
fsr-3513	356	9	(	(	PUNCT
fsr-3513	356	10	2016	2016	NUM
fsr-3513	356	11	)	)	PUNCT
fsr-3513	356	12	.	.	PUNCT
fsr-3513	357	1	breaking	break	VERB
fsr-3513	357	2	the	the	DET
fsr-3513	357	3	cycle	cycle	NOUN
fsr-3513	357	4	:	:	PUNCT
fsr-3513	357	5	from	from	ADP
fsr-3513	357	6	poverty	poverty	NOUN
fsr-3513	357	7	to	to	ADP
fsr-3513	357	8	financial	financial	ADJ
fsr-3513	357	9	security	security	NOUN
fsr-3513	357	10	for	for	ADP
fsr-3513	357	11	all	all	PRON
fsr-3513	357	12	.	.	PUNCT
fsr-3513	358	1	policylink	policylink	NOUN
fsr-3513	358	2	.	.	PUNCT
fsr-3513	359	1	https://www.policylink.org/sites/defa	https://www.policylink.org/sites/defa	PROPN
fsr-3513	359	2	ult	ult	PROPN
fsr-3513	359	3	/	/	SYM
fsr-3513	359	4	files	file	NOUN
fsr-3513	359	5	/	/	SYM
fsr-3513	359	6	breakingthecycle_0.pdf	breakingthecycle_0.pdf	ADJ
fsr-3513	359	7	brüggen	brüggen	NOUN
fsr-3513	359	8	,	,	PUNCT
fsr-3513	359	9	e.	e.	PROPN
fsr-3513	359	10	c.	c.	PROPN
fsr-3513	359	11	,	,	PUNCT
fsr-3513	359	12	hogreve	hogreve	VERB
fsr-3513	359	13	,	,	PUNCT
fsr-3513	359	14	j.	j.	PROPN
fsr-3513	359	15	,	,	PUNCT
fsr-3513	359	16	holmlund	holmlund	PROPN
fsr-3513	359	17	,	,	PUNCT
fsr-3513	359	18	m.	m.	NOUN
fsr-3513	359	19	,	,	PUNCT
fsr-3513	359	20	kabadayi	kabadayi	ADJ
fsr-3513	359	21	,	,	PUNCT
fsr-3513	359	22	s.	s.	PROPN
fsr-3513	359	23	,	,	PUNCT
fsr-3513	359	24	&	&	CCONJ
fsr-3513	359	25	löfgren	löfgren	PROPN
fsr-3513	359	26	,	,	PUNCT
fsr-3513	359	27	m.	m.	NOUN
fsr-3513	359	28	(	(	PUNCT
fsr-3513	359	29	2017	2017	NUM
fsr-3513	359	30	)	)	PUNCT
fsr-3513	359	31	.	.	PUNCT
fsr-3513	360	1	financial	financial	ADJ
fsr-3513	360	2	well	well	ADV
fsr-3513	360	3	-	-	PUNCT
fsr-3513	360	4	being	being	NOUN
fsr-3513	360	5	:	:	PUNCT
fsr-3513	360	6	a	a	DET
fsr-3513	360	7	conceptualization	conceptualization	NOUN
fsr-3513	360	8	and	and	CCONJ
fsr-3513	360	9	research	research	NOUN
fsr-3513	360	10	agenda	agenda	NOUN
fsr-3513	360	11	.	.	PUNCT
fsr-3513	361	1	journal	journal	PROPN
fsr-3513	361	2	of	of	ADP
fsr-3513	361	3	business	business	NOUN
fsr-3513	361	4	research	research	NOUN
fsr-3513	361	5	,	,	PUNCT
fsr-3513	361	6	79	79	NUM
fsr-3513	361	7	,	,	PUNCT
fsr-3513	361	8	228–237	228–237	NUM
fsr-3513	361	9	.	.	PUNCT
fsr-3513	362	1	https://doi.org/10.1016/j.jbusres.201	https://doi.org/10.1016/j.jbusres.201	PROPN
fsr-3513	362	2	7.03.013	7.03.013	PROPN
fsr-3513	362	3	chin	chin	PROPN
fsr-3513	362	4	,	,	PUNCT
fsr-3513	362	5	w.	w.	PROPN
fsr-3513	362	6	(	(	PUNCT
fsr-3513	362	7	1998	1998	NUM
fsr-3513	362	8	)	)	PUNCT
fsr-3513	362	9	.	.	PUNCT
fsr-3513	363	1	the	the	DET
fsr-3513	363	2	partial	partial	ADJ
fsr-3513	363	3	least	least	ADJ
fsr-3513	363	4	squares	square	NOUN
fsr-3513	363	5	approach	approach	VERB
fsr-3513	363	6	for	for	ADP
fsr-3513	363	7	structural	structural	ADJ
fsr-3513	363	8	equation	equation	NOUN
fsr-3513	363	9	modeling	modeling	NOUN
fsr-3513	363	10	.	.	PUNCT
fsr-3513	364	1	in	in	ADP
fsr-3513	364	2	g.	g.	PROPN
fsr-3513	364	3	a.	a.	PROPN
fsr-3513	364	4	marcoulides	marcoulide	VERB
fsr-3513	364	5	(	(	PUNCT
fsr-3513	364	6	ed	ed	NOUN
fsr-3513	364	7	.	.	PUNCT
fsr-3513	364	8	)	)	PUNCT
fsr-3513	364	9	,	,	PUNCT
fsr-3513	364	10	modern	modern	ADJ
fsr-3513	364	11	methods	method	NOUN
fsr-3513	364	12	for	for	ADP
fsr-3513	364	13	business	business	NOUN
fsr-3513	364	14	https://doi.org/10.1016/j.joep.2015.04.003	https://doi.org/10.1016/j.joep.2015.04.003	NUM
fsr-3513	364	15	https://doi.org/10.1016/j.joep.2015.04.003	https://doi.org/10.1016/j.joep.2015.04.003	ADJ
fsr-3513	364	16	https://doi.org/10.1037/a0039906	https://doi.org/10.1037/a0039906	NUM
fsr-3513	364	17	https://doi.org/10.1111/1467-9280.00441	https://doi.org/10.1111/1467-9280.00441	PROPN
fsr-3513	364	18	https://doi.org/10.1111/1467-9280.00441	https://doi.org/10.1111/1467-9280.00441	NOUN
fsr-3513	364	19	young	young	ADJ
fsr-3513	364	20	et	et	PROPN
fsr-3513	364	21	al	al	PROPN
fsr-3513	364	22	.	.	PROPN
fsr-3513	365	1	71	71	NUM
fsr-3513	365	2	research	research	NOUN
fsr-3513	365	3	(	(	PUNCT
fsr-3513	365	4	pp	pp	ADJ
fsr-3513	365	5	.	.	PUNCT
fsr-3513	366	1	295–336	295–336	NUM
fsr-3513	366	2	)	)	PUNCT
fsr-3513	366	3	.	.	PUNCT
fsr-3513	367	1	lawrence	lawrence	PROPN
fsr-3513	367	2	erlbaum	erlbaum	PROPN
fsr-3513	367	3	associates	associate	NOUN
fsr-3513	367	4	publishers	publisher	NOUN
fsr-3513	367	5	.	.	PUNCT
fsr-3513	368	1	chin	chin	PROPN
fsr-3513	368	2	,	,	PUNCT
fsr-3513	368	3	w.	w.	PROPN
fsr-3513	368	4	,	,	PUNCT
fsr-3513	368	5	marcolin	marcolin	PROPN
fsr-3513	368	6	,	,	PUNCT
fsr-3513	368	7	b.	b.	PROPN
fsr-3513	368	8	,	,	PUNCT
fsr-3513	368	9	&	&	CCONJ
fsr-3513	368	10	newsted	newste	VERB
fsr-3513	368	11	,	,	PUNCT
fsr-3513	368	12	p.	p.	NOUN
fsr-3513	368	13	(	(	PUNCT
fsr-3513	368	14	2003	2003	NUM
fsr-3513	368	15	)	)	PUNCT
fsr-3513	368	16	.	.	PUNCT
fsr-3513	369	1	a	a	DET
fsr-3513	369	2	partial	partial	ADJ
fsr-3513	369	3	least	least	ADJ
fsr-3513	369	4	squares	square	NOUN
fsr-3513	369	5	latent	latent	ADJ
fsr-3513	369	6	variable	variable	NOUN
fsr-3513	369	7	modelling	model	VERB
fsr-3513	369	8	approach	approach	NOUN
fsr-3513	369	9	for	for	ADP
fsr-3513	369	10	measuring	measure	VERB
fsr-3513	369	11	interaction	interaction	NOUN
fsr-3513	369	12	effects	effect	NOUN
fsr-3513	369	13	:	:	PUNCT
fsr-3513	369	14	results	result	NOUN
fsr-3513	369	15	from	from	ADP
fsr-3513	369	16	a	a	DET
fsr-3513	369	17	monte	monte	PROPN
fsr-3513	369	18	carlo	carlo	PROPN
fsr-3513	369	19	simulation	simulation	PROPN
fsr-3513	369	20	study	study	PROPN
fsr-3513	369	21	and	and	CCONJ
fsr-3513	369	22	an	an	DET
fsr-3513	369	23	electronic	electronic	ADJ
fsr-3513	369	24	-	-	PUNCT
fsr-3513	369	25	mail	mail	NOUN
fsr-3513	369	26	emotion	emotion	NOUN
fsr-3513	369	27	/	/	SYM
fsr-3513	369	28	adoption	adoption	NOUN
fsr-3513	369	29	study	study	NOUN
fsr-3513	369	30	.	.	PUNCT
fsr-3513	370	1	information	information	NOUN
fsr-3513	370	2	systems	system	NOUN
fsr-3513	370	3	research	research	NOUN
fsr-3513	370	4	,	,	PUNCT
fsr-3513	370	5	14(2	14(2	NUM
fsr-3513	370	6	)	)	PUNCT
fsr-3513	370	7	,	,	PUNCT
fsr-3513	370	8	189–217	189–217	NUM
fsr-3513	370	9	.	.	PUNCT
fsr-3513	371	1	https://doi.org/10.1287/isre.14.2.189	https://doi.org/10.1287/isre.14.2.189	PROPN
fsr-3513	371	2	.	.	PUNCT
fsr-3513	371	3	16018	16018	NUM
fsr-3513	371	4	christelis	christelis	PROPN
fsr-3513	371	5	,	,	PUNCT
fsr-3513	371	6	d.	d.	PROPN
fsr-3513	371	7	,	,	PUNCT
fsr-3513	371	8	jappelli	jappelli	PROPN
fsr-3513	371	9	,	,	PUNCT
fsr-3513	371	10	t.	t.	PROPN
fsr-3513	371	11	,	,	PUNCT
fsr-3513	371	12	&	&	CCONJ
fsr-3513	371	13	padula	padula	NOUN
fsr-3513	371	14	,	,	PUNCT
fsr-3513	371	15	m.	m.	NOUN
fsr-3513	371	16	(	(	PUNCT
fsr-3513	371	17	2010	2010	NUM
fsr-3513	371	18	)	)	PUNCT
fsr-3513	371	19	.	.	PUNCT
fsr-3513	372	1	cognitive	cognitive	ADJ
fsr-3513	372	2	abilities	ability	NOUN
fsr-3513	372	3	and	and	CCONJ
fsr-3513	372	4	portfolio	portfolio	NOUN
fsr-3513	372	5	choice	choice	NOUN
fsr-3513	372	6	.	.	PUNCT
fsr-3513	373	1	white	white	ADJ
fsr-3513	373	2	economic	economic	PROPN
fsr-3513	373	3	review	review	PROPN
fsr-3513	373	4	,	,	PUNCT
fsr-3513	373	5	54(1	54(1	NUM
fsr-3513	373	6	)	)	PUNCT
fsr-3513	373	7	,	,	PUNCT
fsr-3513	373	8	18–38	18–38	NUM
fsr-3513	373	9	.	.	PUNCT
fsr-3513	374	1	https://doi.org/10.1016/j.euroecorev	https://doi.org/10.1016/j.euroecorev	X
fsr-3513	374	2	.	.	PUNCT
fsr-3513	375	1	2009.04.001	2009.04.001	PROPN
fsr-3513	375	2	chu	chu	PROPN
fsr-3513	375	3	,	,	PUNCT
fsr-3513	375	4	z.	z.	PROPN
fsr-3513	375	5	,	,	PUNCT
fsr-3513	375	6	wang	wang	PROPN
fsr-3513	375	7	,	,	PUNCT
fsr-3513	375	8	z.	z.	PROPN
fsr-3513	375	9	,	,	PUNCT
fsr-3513	375	10	xiao	xiao	PROPN
fsr-3513	375	11	,	,	PUNCT
fsr-3513	375	12	j.	j.	PROPN
fsr-3513	375	13	j.	j.	PROPN
fsr-3513	375	14	,	,	PUNCT
fsr-3513	375	15	&	&	CCONJ
fsr-3513	375	16	zhang	zhang	PROPN
fsr-3513	375	17	,	,	PUNCT
fsr-3513	375	18	w.	w.	PROPN
fsr-3513	375	19	(	(	PUNCT
fsr-3513	375	20	2017	2017	NUM
fsr-3513	375	21	)	)	PUNCT
fsr-3513	375	22	.	.	PUNCT
fsr-3513	376	1	financial	financial	ADJ
fsr-3513	376	2	literacy	literacy	NOUN
fsr-3513	376	3	,	,	PUNCT
fsr-3513	376	4	portfolio	portfolio	NOUN
fsr-3513	376	5	choice	choice	NOUN
fsr-3513	376	6	and	and	CCONJ
fsr-3513	376	7	financial	financial	ADJ
fsr-3513	376	8	well	well	ADV
fsr-3513	376	9	-	-	PUNCT
fsr-3513	376	10	being	being	NOUN
fsr-3513	376	11	.	.	PUNCT
fsr-3513	377	1	social	social	ADJ
fsr-3513	377	2	indicators	indicator	NOUN
fsr-3513	377	3	research	research	VERB
fsr-3513	377	4	,	,	PUNCT
fsr-3513	377	5	132	132	NUM
fsr-3513	377	6	,	,	PUNCT
fsr-3513	377	7	799–820	799–820	NUM
fsr-3513	377	8	.	.	PUNCT
fsr-3513	378	1	cobb	cobb	PROPN
fsr-3513	378	2	,	,	PUNCT
fsr-3513	378	3	a.	a.	NOUN
fsr-3513	378	4	(	(	PUNCT
fsr-3513	378	5	2022	2022	NUM
fsr-3513	378	6	)	)	PUNCT
fsr-3513	378	7	.	.	PUNCT
fsr-3513	379	1	financial	financial	ADJ
fsr-3513	379	2	literacy	literacy	NOUN
fsr-3513	379	3	education	education	NOUN
fsr-3513	379	4	for	for	ADP
fsr-3513	379	5	and	and	CCONJ
fsr-3513	379	6	its	its	PRON
fsr-3513	379	7	effect	effect	NOUN
fsr-3513	379	8	of	of	ADP
fsr-3513	379	9	financial	financial	ADJ
fsr-3513	379	10	wellbeing	wellbeing	NOUN
fsr-3513	379	11	.	.	PUNCT
fsr-3513	380	1	university	university	NOUN
fsr-3513	380	2	of	of	ADP
fsr-3513	380	3	south	south	PROPN
fsr-3513	380	4	california	california	PROPN
fsr-3513	380	5	proquest	proquest	PROPN
fsr-3513	380	6	dissertation	dissertation	NOUN
fsr-3513	380	7	publishing	publish	VERB
fsr-3513	380	8	2022	2022	NUM
fsr-3513	380	9	,	,	PUNCT
fsr-3513	380	10	29325135	29325135	NUM
fsr-3513	380	11	.	.	PUNCT
fsr-3513	381	1	cohen	cohen	PROPN
fsr-3513	381	2	,	,	PUNCT
fsr-3513	381	3	j.	j.	PROPN
fsr-3513	381	4	(	(	PUNCT
fsr-3513	381	5	1988	1988	NUM
fsr-3513	381	6	)	)	PUNCT
fsr-3513	381	7	.	.	PUNCT
fsr-3513	382	1	statistical	statistical	ADJ
fsr-3513	382	2	power	power	NOUN
fsr-3513	382	3	analysis	analysis	NOUN
fsr-3513	382	4	for	for	ADP
fsr-3513	382	5	the	the	DET
fsr-3513	382	6	behavioral	behavioral	ADJ
fsr-3513	382	7	sciences	science	NOUN
fsr-3513	382	8	(	(	PUNCT
fsr-3513	382	9	2nd	2nd	ADJ
fsr-3513	382	10	ed	ed	NOUN
fsr-3513	382	11	.	.	PUNCT
fsr-3513	382	12	)	)	PUNCT
fsr-3513	382	13	.	.	PUNCT
fsr-3513	383	1	routledge	routledge	PROPN
fsr-3513	383	2	.	.	PUNCT
fsr-3513	384	1	https://doi.org/10.4324/97802037715	https://doi.org/10.4324/97802037715	NOUN
fsr-3513	384	2	87	87	NUM
fsr-3513	384	3	consumer	consumer	NOUN
fsr-3513	384	4	financial	financial	PROPN
fsr-3513	384	5	protection	protection	PROPN
fsr-3513	384	6	bureau	bureau	PROPN
fsr-3513	384	7	.	.	PUNCT
fsr-3513	385	1	(	(	PUNCT
fsr-3513	385	2	2015a	2015a	NUM
fsr-3513	385	3	)	)	PUNCT
fsr-3513	385	4	.	.	PUNCT
fsr-3513	386	1	measuring	measure	VERB
fsr-3513	386	2	financial	financial	ADJ
fsr-3513	386	3	wellbeing	wellbeing	NOUN
fsr-3513	386	4	:	:	PUNCT
fsr-3513	386	5	a	a	DET
fsr-3513	386	6	guide	guide	NOUN
fsr-3513	386	7	to	to	ADP
fsr-3513	386	8	understanding	understand	VERB
fsr-3513	386	9	the	the	DET
fsr-3513	386	10	cfpb	cfpb	NOUN
fsr-3513	386	11	financial	financial	ADJ
fsr-3513	386	12	well	well	ADV
fsr-3513	386	13	-	-	PUNCT
fsr-3513	386	14	being	being	NOUN
fsr-3513	386	15	scale	scale	NOUN
fsr-3513	386	16	.	.	PUNCT
fsr-3513	387	1	retrieved	retrieve	VERB
fsr-3513	387	2	from	from	ADP
fsr-3513	387	3	https://files.consumerfinance.gov/f/2	https://files.consumerfinance.gov/f/2	PROPN
fsr-3513	387	4	01512_cfpb_financial-well-beinguser-guide-scale.pdf	01512_cfpb_financial-well-beinguser-guide-scale.pdf	PROPN
fsr-3513	387	5	.	.	PUNCT
fsr-3513	388	1	consumer	consumer	PROPN
fsr-3513	388	2	financial	financial	PROPN
fsr-3513	388	3	protection	protection	PROPN
fsr-3513	388	4	bureau	bureau	PROPN
fsr-3513	388	5	.	.	PUNCT
fsr-3513	389	1	(	(	PUNCT
fsr-3513	389	2	2015b	2015b	NUM
fsr-3513	389	3	)	)	PUNCT
fsr-3513	389	4	.	.	PUNCT
fsr-3513	390	1	financial	financial	ADJ
fsr-3513	390	2	well	well	ADV
fsr-3513	390	3	-	-	PUNCT
fsr-3513	390	4	being	being	NOUN
fsr-3513	390	5	:	:	PUNCT
fsr-3513	390	6	the	the	DET
fsr-3513	390	7	goal	goal	NOUN
fsr-3513	390	8	of	of	ADP
fsr-3513	390	9	financial	financial	ADJ
fsr-3513	390	10	education	education	NOUN
fsr-3513	390	11	.	.	PUNCT
fsr-3513	391	1	report	report	NOUN
fsr-3513	391	2	,	,	PUNCT
fsr-3513	391	3	iowa	iowa	PROPN
fsr-3513	391	4	city	city	PROPN
fsr-3513	391	5	,	,	PUNCT
fsr-3513	391	6	ia	ia	PROPN
fsr-3513	391	7	:	:	PUNCT
fsr-3513	391	8	consumer	consumer	NOUN
fsr-3513	391	9	financial	financial	PROPN
fsr-3513	391	10	protection	protection	PROPN
fsr-3513	391	11	bureau	bureau	PROPN
fsr-3513	391	12	.	.	PUNCT
fsr-3513	392	1	creamer	creamer	PROPN
fsr-3513	392	2	,	,	PUNCT
fsr-3513	392	3	j.	j.	PROPN
fsr-3513	392	4	(	(	PUNCT
fsr-3513	392	5	2021	2021	NUM
fsr-3513	392	6	,	,	PUNCT
fsr-3513	392	7	december	december	PROPN
fsr-3513	392	8	9	9	NUM
fsr-3513	392	9	)	)	PUNCT
fsr-3513	392	10	.	.	PUNCT
fsr-3513	393	1	inequalities	inequality	NOUN
fsr-3513	393	2	persist	persist	VERB
fsr-3513	393	3	despite	despite	SCONJ
fsr-3513	393	4	decline	decline	NOUN
fsr-3513	393	5	in	in	ADP
fsr-3513	393	6	poverty	poverty	NOUN
fsr-3513	393	7	for	for	ADP
fsr-3513	393	8	all	all	DET
fsr-3513	393	9	major	major	ADJ
fsr-3513	393	10	race	race	NOUN
fsr-3513	393	11	and	and	CCONJ
fsr-3513	393	12	hispanic	hispanic	ADJ
fsr-3513	393	13	origin	origin	NOUN
fsr-3513	393	14	groups	group	NOUN
fsr-3513	393	15	.	.	PUNCT
fsr-3513	394	1	census.gov	census.gov	PROPN
fsr-3513	394	2	.	.	PUNCT
fsr-3513	395	1	https://www.census.gov/library/stori	https://www.census.gov/library/stori	PROPN
fsr-3513	395	2	es/2020/09	es/2020/09	NOUN
fsr-3513	395	3	/	/	SYM
fsr-3513	395	4	poverty	poverty	NOUN
fsr-3513	395	5	-	-	PUNCT
fsr-3513	395	6	rates	rate	NOUN
fsr-3513	395	7	-	-	PUNCT
fsr-3513	395	8	for	for	ADP
fsr-3513	395	9	-	-	PUNCT
fsr-3513	395	10	blacksand	blacksand	NOUN
fsr-3513	395	11	-	-	PUNCT
fsr-3513	395	12	hispanics	hispanic	NOUN
fsr-3513	395	13	-	-	PUNCT
fsr-3513	395	14	reached	reach	VERB
fsr-3513	395	15	-	-	PUNCT
fsr-3513	395	16	historic	historic	ADJ
fsr-3513	395	17	-	-	PUNCT
fsr-3513	395	18	lowsin-2019.html	lowsin-2019.html	NOUN
fsr-3513	395	19	danes	dane	NOUN
fsr-3513	395	20	,	,	PUNCT
fsr-3513	395	21	s.	s.	PROPN
fsr-3513	395	22	m.	m.	PROPN
fsr-3513	395	23	(	(	PUNCT
fsr-3513	395	24	1994	1994	NUM
fsr-3513	395	25	)	)	PUNCT
fsr-3513	395	26	.	.	PUNCT
fsr-3513	396	1	parental	parental	ADJ
fsr-3513	396	2	perceptions	perception	NOUN
fsr-3513	396	3	of	of	ADP
fsr-3513	396	4	children	child	NOUN
fsr-3513	396	5	’s	’s	PART
fsr-3513	396	6	financial	financial	ADJ
fsr-3513	396	7	socialization	socialization	NOUN
fsr-3513	396	8	.	.	PUNCT
fsr-3513	397	1	journal	journal	NOUN
fsr-3513	397	2	of	of	ADP
fsr-3513	397	3	financial	financial	ADJ
fsr-3513	397	4	counseling	counseling	NOUN
fsr-3513	397	5	and	and	CCONJ
fsr-3513	397	6	planning	planning	NOUN
fsr-3513	397	7	,	,	PUNCT
fsr-3513	397	8	5	5	NUM
fsr-3513	397	9	,	,	PUNCT
fsr-3513	397	10	127	127	NUM
fsr-3513	397	11	–	–	SYM
fsr-3513	397	12	149	149	NUM
fsr-3513	397	13	.	.	PUNCT
fsr-3513	398	1	danes	dane	NOUN
fsr-3513	398	2	,	,	PUNCT
fsr-3513	398	3	s.	s.	PROPN
fsr-3513	398	4	m.	m.	PROPN
fsr-3513	398	5	,	,	PUNCT
fsr-3513	398	6	&	&	CCONJ
fsr-3513	398	7	haberman	haberman	PROPN
fsr-3513	398	8	,	,	PUNCT
fsr-3513	398	9	h.	h.	PROPN
fsr-3513	398	10	(	(	PUNCT
fsr-3513	398	11	2007	2007	NUM
fsr-3513	398	12	)	)	PUNCT
fsr-3513	398	13	.	.	PUNCT
fsr-3513	399	1	teen	teen	ADJ
fsr-3513	399	2	financial	financial	ADJ
fsr-3513	399	3	knowledge	knowledge	NOUN
fsr-3513	399	4	,	,	PUNCT
fsr-3513	399	5	self	self	NOUN
fsr-3513	399	6	-	-	PUNCT
fsr-3513	399	7	efficacy	efficacy	NOUN
fsr-3513	399	8	,	,	PUNCT
fsr-3513	399	9	and	and	CCONJ
fsr-3513	399	10	behavior	behavior	NOUN
fsr-3513	399	11	:	:	PUNCT
fsr-3513	399	12	a	a	DET
fsr-3513	399	13	gendered	gendered	NOUN
fsr-3513	399	14	view	view	NOUN
fsr-3513	399	15	.	.	PUNCT
fsr-3513	400	1	journal	journal	NOUN
fsr-3513	400	2	of	of	ADP
fsr-3513	400	3	financial	financial	ADJ
fsr-3513	400	4	counseling	counseling	NOUN
fsr-3513	400	5	and	and	CCONJ
fsr-3513	400	6	planning	planning	NOUN
fsr-3513	400	7	,	,	PUNCT
fsr-3513	400	8	18(2	18(2	NUM
fsr-3513	400	9	)	)	PUNCT
fsr-3513	400	10	,	,	PUNCT
fsr-3513	400	11	48–60	48–60	PROPN
fsr-3513	400	12	.	.	PUNCT
fsr-3513	401	1	drever	drever	PROPN
fsr-3513	401	2	,	,	PUNCT
fsr-3513	401	3	a.	a.	NOUN
fsr-3513	401	4	,	,	PUNCT
fsr-3513	401	5	white	white	PROPN
fsr-3513	401	6	,	,	PUNCT
fsr-3513	401	7	e.	e.	PROPN
fsr-3513	401	8	,	,	PUNCT
fsr-3513	401	9	kalish	kalish	PROPN
fsr-3513	401	10	,	,	PUNCT
fsr-3513	401	11	c.	c.	PROPN
fsr-3513	401	12	,	,	PUNCT
fsr-3513	401	13	quest	quest	NOUN
fsr-3513	401	14	,	,	PUNCT
fsr-3513	401	15	n.	n.	NOUN
fsr-3513	401	16	,	,	PUNCT
fsr-3513	401	17	hoaglan	hoaglan	PROPN
fsr-3513	401	18	,	,	PUNCT
fsr-3513	401	19	e.	e.	PROPN
fsr-3513	401	20	,	,	PUNCT
fsr-3513	401	21	&	&	CCONJ
fsr-3513	401	22	nelms	nelms	PROPN
fsr-3513	401	23	,	,	PUNCT
fsr-3513	401	24	e.	e.	PROPN
fsr-3513	401	25	(	(	PUNCT
fsr-3513	401	26	2015	2015	NUM
fsr-3513	401	27	)	)	PUNCT
fsr-3513	401	28	.	.	PUNCT
fsr-3513	402	1	foundations	foundation	NOUN
fsr-3513	402	2	of	of	ADP
fsr-3513	402	3	financial	financial	ADJ
fsr-3513	402	4	well	well	NOUN
fsr-3513	402	5	-	-	PUNCT
fsr-3513	402	6	being	being	NOUN
fsr-3513	402	7	:	:	PUNCT
fsr-3513	402	8	insights	insight	NOUN
fsr-3513	402	9	into	into	ADP
fsr-3513	402	10	the	the	DET
fsr-3513	402	11	role	role	NOUN
fsr-3513	402	12	of	of	ADP
fsr-3513	402	13	executive	executive	ADJ
fsr-3513	402	14	function	function	NOUN
fsr-3513	402	15	,	,	PUNCT
fsr-3513	402	16	financial	financial	ADJ
fsr-3513	402	17	socialization	socialization	NOUN
fsr-3513	402	18	,	,	PUNCT
fsr-3513	402	19	and	and	CCONJ
fsr-3513	402	20	experience	experience	NOUN
fsr-3513	402	21	-	-	PUNCT
fsr-3513	402	22	based	base	VERB
fsr-3513	402	23	learning	learning	NOUN
fsr-3513	402	24	in	in	ADP
fsr-3513	402	25	childhood	childhood	NOUN
fsr-3513	402	26	and	and	CCONJ
fsr-3513	402	27	youth	youth	NOUN
fsr-3513	402	28	.	.	PUNCT
fsr-3513	403	1	the	the	DET
fsr-3513	403	2	journal	journal	NOUN
fsr-3513	403	3	of	of	ADP
fsr-3513	403	4	consumer	consumer	NOUN
fsr-3513	403	5	affairs	affair	NOUN
fsr-3513	403	6	,	,	PUNCT
fsr-3513	403	7	49(1	49(1	NOUN
fsr-3513	403	8	)	)	PUNCT
fsr-3513	403	9	,	,	PUNCT
fsr-3513	403	10	13–38	13–38	PROPN
fsr-3513	403	11	.	.	PUNCT
fsr-3513	404	1	https://doi.org/10.1111/joca.12068	https://doi.org/10.1111/joca.12068	PROPN
fsr-3513	404	2	efland	efland	PROPN
fsr-3513	404	3	,	,	PUNCT
fsr-3513	404	4	a.	a.	PROPN
fsr-3513	404	5	d.	d.	PROPN
fsr-3513	404	6	(	(	PUNCT
fsr-3513	404	7	1995	1995	NUM
fsr-3513	404	8	)	)	PUNCT
fsr-3513	404	9	.	.	PUNCT
fsr-3513	405	1	the	the	DET
fsr-3513	405	2	spiral	spiral	ADJ
fsr-3513	405	3	and	and	CCONJ
fsr-3513	405	4	the	the	DET
fsr-3513	405	5	lattice	lattice	NOUN
fsr-3513	405	6	:	:	PUNCT
fsr-3513	405	7	changes	change	NOUN
fsr-3513	405	8	in	in	ADP
fsr-3513	405	9	cognitive	cognitive	ADJ
fsr-3513	405	10	learning	learning	NOUN
fsr-3513	405	11	theory	theory	NOUN
fsr-3513	405	12	with	with	ADP
fsr-3513	405	13	implications	implication	NOUN
fsr-3513	405	14	for	for	ADP
fsr-3513	405	15	art	art	NOUN
fsr-3513	405	16	education	education	NOUN
fsr-3513	405	17	.	.	PUNCT
fsr-3513	406	1	studies	study	NOUN
fsr-3513	406	2	in	in	ADP
fsr-3513	406	3	art	art	NOUN
fsr-3513	406	4	education	education	NOUN
fsr-3513	406	5	,	,	PUNCT
fsr-3513	406	6	36(3	36(3	NUM
fsr-3513	406	7	)	)	PUNCT
fsr-3513	406	8	,	,	PUNCT
fsr-3513	406	9	134–153	134–153	NUM
fsr-3513	406	10	.	.	PUNCT
fsr-3513	407	1	https://doi.org/10.2307/1320905	https://doi.org/10.2307/1320905	VERB
fsr-3513	407	2	fan	fan	PROPN
fsr-3513	407	3	,	,	PUNCT
fsr-3513	407	4	l.	l.	PROPN
fsr-3513	407	5	,	,	PUNCT
fsr-3513	407	6	&	&	CCONJ
fsr-3513	407	7	park	park	PROPN
fsr-3513	407	8	,	,	PUNCT
fsr-3513	407	9	n.	n.	NOUN
fsr-3513	407	10	(	(	PUNCT
fsr-3513	407	11	2021	2021	NUM
fsr-3513	407	12	)	)	PUNCT
fsr-3513	407	13	.	.	PUNCT
fsr-3513	408	1	factors	factor	NOUN
fsr-3513	408	2	mediating	mediate	VERB
fsr-3513	408	3	the	the	DET
fsr-3513	408	4	associations	association	NOUN
fsr-3513	408	5	between	between	ADP
fsr-3513	408	6	financial	financial	ADJ
fsr-3513	408	7	socialization	socialization	NOUN
fsr-3513	408	8	and	and	CCONJ
fsr-3513	408	9	well	well	ADV
fsr-3513	408	10	-	-	PUNCT
fsr-3513	408	11	being	being	NOUN
fsr-3513	408	12	of	of	ADP
fsr-3513	408	13	young	young	ADJ
fsr-3513	408	14	adults	adult	NOUN
fsr-3513	408	15	:	:	PUNCT
fsr-3513	408	16	testing	test	VERB
fsr-3513	408	17	a	a	DET
fsr-3513	408	18	conceptual	conceptual	ADJ
fsr-3513	408	19	framework	framework	NOUN
fsr-3513	408	20	.	.	PUNCT
fsr-3513	409	1	journal	journal	NOUN
fsr-3513	409	2	of	of	ADP
fsr-3513	409	3	financial	financial	ADJ
fsr-3513	409	4	planning	planning	NOUN
fsr-3513	409	5	and	and	CCONJ
fsr-3513	409	6	counseling	counseling	NOUN
fsr-3513	409	7	,	,	PUNCT
fsr-3513	409	8	2(2	2(2	NUM
fsr-3513	409	9	)	)	PUNCT
fsr-3513	409	10	,	,	PUNCT
fsr-3513	409	11	202	202	NUM
fsr-3513	409	12	–	–	PUNCT
fsr-3513	409	13	https://doi.org/10.1287/isre.14.2.189.16018	https://doi.org/10.1287/isre.14.2.189.16018	NOUN
fsr-3513	409	14	https://doi.org/10.1287/isre.14.2.189.16018	https://doi.org/10.1287/isre.14.2.189.16018	NOUN
fsr-3513	409	15	https://doi.org/10.1111/joca.12068	https://doi.org/10.1111/joca.12068	VERB
fsr-3513	409	16	https://doi.org/10.2307/1320905	https://doi.org/10.2307/1320905	VERB
fsr-3513	409	17	financial	financial	ADJ
fsr-3513	409	18	services	service	NOUN
fsr-3513	409	19	review	review	NOUN
fsr-3513	409	20	,	,	PUNCT
fsr-3513	409	21	32(2	32(2	NUM
fsr-3513	409	22	)	)	PUNCT
fsr-3513	409	23	72	72	NUM
fsr-3513	409	24	216	216	NUM
fsr-3513	409	25	.	.	PUNCT
fsr-3513	410	1	https://doi.org/10.1891/jfcp20-00056	https://doi.org/10.1891/jfcp20-00056	PROPN
fsr-3513	410	2	fan	fan	PROPN
fsr-3513	410	3	,	,	PUNCT
fsr-3513	410	4	l.	l.	PROPN
fsr-3513	410	5	,	,	PUNCT
fsr-3513	410	6	&	&	CCONJ
fsr-3513	410	7	chatterjee	chatterjee	PROPN
fsr-3513	410	8	,	,	PUNCT
fsr-3513	410	9	s.	s.	PROPN
fsr-3513	410	10	(	(	PUNCT
fsr-3513	410	11	2019	2019	NUM
fsr-3513	410	12	)	)	PUNCT
fsr-3513	410	13	.	.	PUNCT
fsr-3513	411	1	financial	financial	ADJ
fsr-3513	411	2	socialization	socialization	NOUN
fsr-3513	411	3	,	,	PUNCT
fsr-3513	411	4	financial	financial	ADJ
fsr-3513	411	5	education	education	NOUN
fsr-3513	411	6	,	,	PUNCT
fsr-3513	411	7	and	and	CCONJ
fsr-3513	411	8	student	student	NOUN
fsr-3513	411	9	loan	loan	NOUN
fsr-3513	411	10	debt	debt	NOUN
fsr-3513	411	11	.	.	PUNCT
fsr-3513	412	1	journal	journal	PROPN
fsr-3513	412	2	of	of	ADP
fsr-3513	412	3	family	family	NOUN
fsr-3513	412	4	and	and	CCONJ
fsr-3513	412	5	economic	economic	ADJ
fsr-3513	412	6	issues	issue	NOUN
fsr-3513	412	7	,	,	PUNCT
fsr-3513	412	8	40(1	40(1	NOUN
fsr-3513	412	9	)	)	PUNCT
fsr-3513	412	10	,	,	PUNCT
fsr-3513	412	11	74–85	74–85	NUM
fsr-3513	412	12	.	.	PUNCT
fsr-3513	413	1	https://doi.org/10.1007/s10834-0189589-0	https://doi.org/10.1007/s10834-0189589-0	PROPN
fsr-3513	413	2	federal	federal	PROPN
fsr-3513	413	3	reserve	reserve	PROPN
fsr-3513	413	4	board	board	PROPN
fsr-3513	413	5	of	of	ADP
fsr-3513	413	6	governors	governor	NOUN
fsr-3513	413	7	.	.	PUNCT
fsr-3513	414	1	(	(	PUNCT
fsr-3513	414	2	2022	2022	NUM
fsr-3513	414	3	)	)	PUNCT
fsr-3513	414	4	.	.	PUNCT
fsr-3513	415	1	economic	economic	ADJ
fsr-3513	415	2	well	well	ADV
fsr-3513	415	3	-	-	PUNCT
fsr-3513	415	4	being	being	NOUN
fsr-3513	415	5	of	of	ADP
fsr-3513	415	6	us	we	PRON
fsr-3513	415	7	households	household	NOUN
fsr-3513	415	8	in	in	ADP
fsr-3513	415	9	2021	2021	NUM
fsr-3513	415	10	.	.	PUNCT
fsr-3513	416	1	federal	federal	PROPN
fsr-3513	416	2	reserve	reserve	PROPN
fsr-3513	416	3	board	board	PROPN
fsr-3513	416	4	publications	publication	NOUN
fsr-3513	416	5	.	.	PUNCT
fsr-3513	417	1	board	board	NOUN
fsr-3513	417	2	of	of	ADP
fsr-3513	417	3	governors	governor	NOUN
fsr-3513	417	4	of	of	ADP
fsr-3513	417	5	the	the	DET
fsr-3513	417	6	federal	federal	PROPN
fsr-3513	417	7	reserve	reserve	PROPN
fsr-3513	417	8	system	system	NOUN
fsr-3513	417	9	.	.	PUNCT
fsr-3513	418	1	https://www.federalreserve.gov/publi	https://www.federalreserve.gov/publi	X
fsr-3513	418	2	cations	cation	NOUN
fsr-3513	418	3	/	/	SYM
fsr-3513	418	4	files/2021	files/2021	ADJ
fsr-3513	418	5	-	-	PUNCT
fsr-3513	418	6	report	report	NOUN
fsr-3513	418	7	-	-	PUNCT
fsr-3513	418	8	economicwell	economicwell	NOUN
fsr-3513	418	9	-	-	PUNCT
fsr-3513	418	10	being	being	NOUN
fsr-3513	418	11	-	-	PUNCT
fsr-3513	418	12	us	us	PROPN
fsr-3513	418	13	-	-	PUNCT
fsr-3513	418	14	households202205.pdf	households202205.pdf	PROPN
fsr-3513	418	15	fisher	fisher	PROPN
fsr-3513	418	16	,	,	PUNCT
fsr-3513	418	17	j.	j.	PROPN
fsr-3513	418	18	d.	d.	PROPN
fsr-3513	418	19	,	,	PUNCT
fsr-3513	418	20	&	&	CCONJ
fsr-3513	418	21	fisher	fisher	PROPN
fsr-3513	418	22	,	,	PUNCT
fsr-3513	418	23	w.	w.	PROPN
fsr-3513	418	24	a.	a.	PROPN
fsr-3513	418	25	(	(	PUNCT
fsr-3513	418	26	1992	1992	NUM
fsr-3513	418	27	)	)	PUNCT
fsr-3513	418	28	.	.	PUNCT
fsr-3513	419	1	changing	change	VERB
fsr-3513	419	2	aids	aids	NOUN
fsr-3513	419	3	-	-	PUNCT
fsr-3513	419	4	risk	risk	NOUN
fsr-3513	419	5	behavior	behavior	NOUN
fsr-3513	419	6	.	.	PUNCT
fsr-3513	420	1	psychological	psychological	ADJ
fsr-3513	420	2	bulletin	bulletin	NOUN
fsr-3513	420	3	,	,	PUNCT
fsr-3513	420	4	111(3	111(3	NUM
fsr-3513	420	5	)	)	PUNCT
fsr-3513	420	6	,	,	PUNCT
fsr-3513	420	7	455	455	NUM
fsr-3513	420	8	–	–	PUNCT
fsr-3513	420	9	474	474	NUM
fsr-3513	420	10	.	.	PUNCT
fsr-3513	421	1	https://doi.org/10.1037/00332909.111.3.455	https://doi.org/10.1037/00332909.111.3.455	PRON
fsr-3513	421	2	fisher	fisher	PROPN
fsr-3513	421	3	,	,	PUNCT
fsr-3513	421	4	j.	j.	PROPN
fsr-3513	421	5	d.	d.	PROPN
fsr-3513	421	6	,	,	PUNCT
fsr-3513	421	7	fisher	fisher	PROPN
fsr-3513	421	8	,	,	PUNCT
fsr-3513	421	9	w.	w.	PROPN
fsr-3513	421	10	a.	a.	PROPN
fsr-3513	421	11	,	,	PUNCT
fsr-3513	421	12	amico	amico	PROPN
fsr-3513	421	13	,	,	PUNCT
fsr-3513	421	14	k.	k.	PROPN
fsr-3513	421	15	r.	r.	PROPN
fsr-3513	421	16	,	,	PUNCT
fsr-3513	421	17	&	&	CCONJ
fsr-3513	421	18	harman	harman	PROPN
fsr-3513	421	19	,	,	PUNCT
fsr-3513	421	20	j.	j.	PROPN
fsr-3513	421	21	j.	j.	PROPN
fsr-3513	421	22	,	,	PUNCT
fsr-3513	421	23	(	(	PUNCT
fsr-3513	421	24	2006	2006	NUM
fsr-3513	421	25	)	)	PUNCT
fsr-3513	421	26	.	.	PUNCT
fsr-3513	422	1	an	an	DET
fsr-3513	422	2	information	information	NOUN
fsr-3513	422	3	-	-	PUNCT
fsr-3513	422	4	motivation	motivation	NOUN
fsr-3513	422	5	-	-	PUNCT
fsr-3513	422	6	behavioral	behavioral	ADJ
fsr-3513	422	7	skills	skill	NOUN
fsr-3513	422	8	model	model	NOUN
fsr-3513	422	9	of	of	ADP
fsr-3513	422	10	adherence	adherence	NOUN
fsr-3513	422	11	to	to	ADP
fsr-3513	422	12	antiretroviral	antiretroviral	ADJ
fsr-3513	422	13	therapy	therapy	NOUN
fsr-3513	422	14	.	.	PUNCT
fsr-3513	423	1	health	health	NOUN
fsr-3513	423	2	psychology	psychology	NOUN
fsr-3513	423	3	,	,	PUNCT
fsr-3513	423	4	25(4	25(4	NOUN
fsr-3513	423	5	)	)	PUNCT
fsr-3513	423	6	,	,	PUNCT
fsr-3513	423	7	462–73	462–73	PROPN
fsr-3513	423	8	.	.	PUNCT
fsr-3513	424	1	https://doi.org/10.1037/02786133.25.4.462	https://doi.org/10.1037/02786133.25.4.462	NOUN
fsr-3513	424	2	fornell	fornell	PROPN
fsr-3513	424	3	,	,	PUNCT
fsr-3513	424	4	c.	c.	PROPN
fsr-3513	424	5	,	,	PUNCT
fsr-3513	424	6	&	&	CCONJ
fsr-3513	424	7	cha	cha	PROPN
fsr-3513	424	8	,	,	PUNCT
fsr-3513	424	9	j.	j.	PROPN
fsr-3513	424	10	(	(	PUNCT
fsr-3513	424	11	1994	1994	NUM
fsr-3513	424	12	)	)	PUNCT
fsr-3513	424	13	.	.	PUNCT
fsr-3513	425	1	partial	partial	ADJ
fsr-3513	425	2	least	least	ADJ
fsr-3513	425	3	squares	square	NOUN
fsr-3513	425	4	.	.	PUNCT
fsr-3513	426	1	advanced	advanced	ADJ
fsr-3513	426	2	methods	method	NOUN
fsr-3513	426	3	of	of	ADP
fsr-3513	426	4	marketing	marketing	NOUN
fsr-3513	426	5	research	research	NOUN
fsr-3513	426	6	,	,	PUNCT
fsr-3513	426	7	407	407	NUM
fsr-3513	426	8	,	,	PUNCT
fsr-3513	426	9	52–78	52–78	NUM
fsr-3513	426	10	.	.	PUNCT
fsr-3513	427	1	fudenberg	fudenberg	PROPN
fsr-3513	427	2	,	,	PUNCT
fsr-3513	427	3	d.	d.	PROPN
fsr-3513	427	4	,	,	PUNCT
fsr-3513	427	5	&	&	CCONJ
fsr-3513	427	6	levine	levine	PROPN
fsr-3513	427	7	,	,	PUNCT
fsr-3513	427	8	d.	d.	PROPN
fsr-3513	427	9	k.	k.	PROPN
fsr-3513	427	10	(	(	PUNCT
fsr-3513	427	11	2006	2006	NUM
fsr-3513	427	12	)	)	PUNCT
fsr-3513	427	13	.	.	PUNCT
fsr-3513	428	1	a	a	DET
fsr-3513	428	2	dual	dual	ADJ
fsr-3513	428	3	-	-	PUNCT
fsr-3513	428	4	self	self	NOUN
fsr-3513	428	5	model	model	NOUN
fsr-3513	428	6	of	of	ADP
fsr-3513	428	7	impulse	impulse	ADJ
fsr-3513	428	8	control	control	NOUN
fsr-3513	428	9	.	.	PUNCT
fsr-3513	429	1	american	american	PROPN
fsr-3513	429	2	economic	economic	PROPN
fsr-3513	429	3	review	review	PROPN
fsr-3513	429	4	,	,	PUNCT
fsr-3513	429	5	96(5	96(5	NUM
fsr-3513	429	6	)	)	PUNCT
fsr-3513	429	7	,	,	PUNCT
fsr-3513	429	8	1449–1476	1449–1476	NUM
fsr-3513	429	9	.	.	PUNCT
fsr-3513	429	10	fung	fung	PROPN
fsr-3513	429	11	,	,	PUNCT
fsr-3513	429	12	m.	m.	NOUN
fsr-3513	429	13	s.	s.	PROPN
fsr-3513	429	14	k.	k.	PROPN
fsr-3513	429	15	(	(	PUNCT
fsr-3513	429	16	2017	2017	NUM
fsr-3513	429	17	)	)	PUNCT
fsr-3513	429	18	.	.	PUNCT
fsr-3513	430	1	an	an	DET
fsr-3513	430	2	imb	imb	PROPN
fsr-3513	430	3	model	model	NOUN
fsr-3513	430	4	testing	testing	NOUN
fsr-3513	430	5	via	via	ADP
fsr-3513	430	6	endorser	endorser	NOUN
fsr-3513	430	7	types	type	NOUN
fsr-3513	430	8	and	and	CCONJ
fsr-3513	430	9	advertising	advertising	NOUN
fsr-3513	430	10	appeals	appeal	NOUN
fsr-3513	430	11	on	on	ADP
fsr-3513	430	12	young	young	ADJ
fsr-3513	430	13	people	people	NOUN
fsr-3513	430	14	’s	’s	PART
fsr-3513	430	15	attitude	attitude	NOUN
fsr-3513	430	16	towards	towards	ADP
fsr-3513	430	17	cervical	cervical	ADJ
fsr-3513	430	18	cancer	cancer	NOUN
fsr-3513	430	19	prevention	prevention	NOUN
fsr-3513	430	20	advertisement	advertisement	NOUN
fsr-3513	430	21	in	in	ADP
fsr-3513	430	22	hong	hong	PROPN
fsr-3513	430	23	kong	kong	PROPN
fsr-3513	430	24	.	.	PUNCT
fsr-3513	431	1	young	young	ADJ
fsr-3513	431	2	consumers	consumer	NOUN
fsr-3513	431	3	,	,	PUNCT
fsr-3513	431	4	18(1	18(1	NOUN
fsr-3513	431	5	)	)	PUNCT
fsr-3513	431	6	,	,	PUNCT
fsr-3513	431	7	1–18	1–18	NUM
fsr-3513	431	8	.	.	PUNCT
fsr-3513	432	1	https://doi.org/10.1108/yc-07-201600620	https://doi.org/10.1108/yc-07-201600620	X
fsr-3513	433	1	gathergood	gathergood	NOUN
fsr-3513	433	2	,	,	PUNCT
fsr-3513	433	3	j.	j.	PROPN
fsr-3513	433	4	(	(	PUNCT
fsr-3513	433	5	2012	2012	NUM
fsr-3513	433	6	)	)	PUNCT
fsr-3513	433	7	.	.	PUNCT
fsr-3513	434	1	self	self	NOUN
fsr-3513	434	2	-	-	PUNCT
fsr-3513	434	3	control	control	NOUN
fsr-3513	434	4	,	,	PUNCT
fsr-3513	434	5	financial	financial	ADJ
fsr-3513	434	6	literacy	literacy	NOUN
fsr-3513	434	7	and	and	CCONJ
fsr-3513	434	8	consumer	consumer	NOUN
fsr-3513	434	9	overindebtedness	overindebtedness	NOUN
fsr-3513	434	10	.	.	PUNCT
fsr-3513	435	1	journal	journal	NOUN
fsr-3513	435	2	of	of	ADP
fsr-3513	435	3	economic	economic	ADJ
fsr-3513	435	4	psychology	psychology	NOUN
fsr-3513	435	5	,	,	PUNCT
fsr-3513	435	6	33	33	NUM
fsr-3513	435	7	,	,	PUNCT
fsr-3513	435	8	590–602	590–602	NUM
fsr-3513	435	9	.	.	PUNCT
fsr-3513	436	1	https://doi.org/10.1016/j.joep.2011.1	https://doi.org/10.1016/j.joep.2011.1	NUM
fsr-3513	436	2	1.006	1.006	NUM
fsr-3513	436	3	gefen	gefen	NOUN
fsr-3513	436	4	,	,	PUNCT
fsr-3513	436	5	d.	d.	PROPN
fsr-3513	436	6	,	,	PUNCT
fsr-3513	436	7	straub	straub	PROPN
fsr-3513	436	8	,	,	PUNCT
fsr-3513	436	9	d.	d.	PROPN
fsr-3513	436	10	,	,	PUNCT
fsr-3513	436	11	&	&	CCONJ
fsr-3513	436	12	boudreau	boudreau	PROPN
fsr-3513	436	13	,	,	PUNCT
fsr-3513	436	14	m.	m.	NOUN
fsr-3513	436	15	(	(	PUNCT
fsr-3513	436	16	2000	2000	NUM
fsr-3513	436	17	)	)	PUNCT
fsr-3513	436	18	.	.	PUNCT
fsr-3513	437	1	structural	structural	ADJ
fsr-3513	437	2	equation	equation	NOUN
fsr-3513	437	3	modeling	modeling	NOUN
fsr-3513	437	4	and	and	CCONJ
fsr-3513	437	5	regression	regression	NOUN
fsr-3513	437	6	:	:	PUNCT
fsr-3513	437	7	guidelines	guideline	NOUN
fsr-3513	437	8	for	for	ADP
fsr-3513	437	9	research	research	NOUN
fsr-3513	437	10	practice	practice	NOUN
fsr-3513	437	11	.	.	PUNCT
fsr-3513	438	1	communications	communication	NOUN
fsr-3513	438	2	of	of	ADP
fsr-3513	438	3	the	the	DET
fsr-3513	438	4	association	association	NOUN
fsr-3513	438	5	of	of	ADP
fsr-3513	438	6	information	information	NOUN
fsr-3513	438	7	systems	system	NOUN
fsr-3513	438	8	,	,	PUNCT
fsr-3513	438	9	4(7	4(7	NUM
fsr-3513	438	10	)	)	PUNCT
fsr-3513	438	11	.	.	PUNCT
fsr-3513	439	1	https://doi.org/10.17705/1cais.0040	https://doi.org/10.17705/1cais.0040	PROPN
fsr-3513	439	2	7	7	NUM
fsr-3513	439	3	gerardi	gerardi	PROPN
fsr-3513	439	4	,	,	PUNCT
fsr-3513	439	5	k.	k.	PROPN
fsr-3513	439	6	s.	s.	PROPN
fsr-3513	439	7	,	,	PUNCT
fsr-3513	439	8	rosen	rosen	PROPN
fsr-3513	439	9	,	,	PUNCT
fsr-3513	439	10	h.	h.	PROPN
fsr-3513	439	11	s.	s.	PROPN
fsr-3513	439	12	,	,	PUNCT
fsr-3513	439	13	&	&	CCONJ
fsr-3513	439	14	willen	willen	PROPN
fsr-3513	439	15	,	,	PUNCT
fsr-3513	439	16	p.	p.	PROPN
fsr-3513	439	17	s.	s.	PROPN
fsr-3513	439	18	(	(	PUNCT
fsr-3513	439	19	2010	2010	NUM
fsr-3513	439	20	)	)	PUNCT
fsr-3513	439	21	.	.	PUNCT
fsr-3513	440	1	the	the	DET
fsr-3513	440	2	impact	impact	NOUN
fsr-3513	440	3	of	of	ADP
fsr-3513	440	4	deregulation	deregulation	NOUN
fsr-3513	440	5	and	and	CCONJ
fsr-3513	440	6	financial	financial	ADJ
fsr-3513	440	7	innovation	innovation	NOUN
fsr-3513	440	8	on	on	ADP
fsr-3513	440	9	consumers	consumer	NOUN
fsr-3513	440	10	:	:	PUNCT
fsr-3513	440	11	the	the	DET
fsr-3513	440	12	case	case	NOUN
fsr-3513	440	13	of	of	ADP
fsr-3513	440	14	the	the	DET
fsr-3513	440	15	mortgage	mortgage	NOUN
fsr-3513	440	16	market	market	NOUN
fsr-3513	440	17	.	.	PUNCT
fsr-3513	441	1	the	the	DET
fsr-3513	441	2	journal	journal	PROPN
fsr-3513	441	3	of	of	ADP
fsr-3513	441	4	finance	finance	NOUN
fsr-3513	441	5	,	,	PUNCT
fsr-3513	441	6	65(1	65(1	NOUN
fsr-3513	441	7	)	)	PUNCT
fsr-3513	441	8	,	,	PUNCT
fsr-3513	441	9	333–360	333–360	NUM
fsr-3513	441	10	.	.	PUNCT
fsr-3513	442	1	https://doi.org/10.1111/j.15406261.2009.01531.x	https://doi.org/10.1111/j.15406261.2009.01531.x	PROPN
fsr-3513	442	2	greenwald	greenwald	PROPN
fsr-3513	442	3	,	,	PUNCT
fsr-3513	442	4	a.	a.	PROPN
fsr-3513	442	5	g.	g.	PROPN
fsr-3513	442	6	(	(	PUNCT
fsr-3513	442	7	1968	1968	NUM
fsr-3513	442	8	)	)	PUNCT
fsr-3513	442	9	.	.	PUNCT
fsr-3513	443	1	cognitive	cognitive	ADJ
fsr-3513	443	2	learning	learning	NOUN
fsr-3513	443	3	,	,	PUNCT
fsr-3513	443	4	cognitive	cognitive	ADJ
fsr-3513	443	5	response	response	NOUN
fsr-3513	443	6	to	to	ADP
fsr-3513	443	7	persuasion	persuasion	NOUN
fsr-3513	443	8	,	,	PUNCT
fsr-3513	443	9	and	and	CCONJ
fsr-3513	443	10	attitude	attitude	NOUN
fsr-3513	443	11	change	change	NOUN
fsr-3513	443	12	.	.	PUNCT
fsr-3513	444	1	in	in	ADP
fsr-3513	444	2	a.	a.	PROPN
fsr-3513	444	3	g.	g.	PROPN
fsr-3513	444	4	greenwald	greenwald	PROPN
fsr-3513	444	5	,	,	PUNCT
fsr-3513	444	6	t.	t.	PROPN
fsr-3513	444	7	c.	c.	PROPN
fsr-3513	444	8	brock	brock	PROPN
fsr-3513	444	9	,	,	PUNCT
fsr-3513	444	10	&	&	CCONJ
fsr-3513	444	11	t.	t.	PROPN
fsr-3513	444	12	m.	m.	PROPN
fsr-3513	444	13	ostrom	ostrom	PROPN
fsr-3513	444	14	(	(	PUNCT
fsr-3513	444	15	eds	ed	NOUN
fsr-3513	444	16	.	.	PUNCT
fsr-3513	444	17	)	)	PUNCT
fsr-3513	444	18	,	,	PUNCT
fsr-3513	444	19	psychological	psychological	ADJ
fsr-3513	444	20	foundations	foundation	NOUN
fsr-3513	444	21	of	of	ADP
fsr-3513	444	22	attitudes	attitude	NOUN
fsr-3513	444	23	(	(	PUNCT
fsr-3513	444	24	pp	pp	ADJ
fsr-3513	444	25	.	.	PUNCT
fsr-3513	444	26	147	147	NUM
fsr-3513	444	27	-	-	SYM
fsr-3513	444	28	170	170	NUM
fsr-3513	444	29	)	)	PUNCT
fsr-3513	444	30	.	.	PUNCT
fsr-3513	445	1	academic	academic	ADJ
fsr-3513	445	2	press	press	NOUN
fsr-3513	445	3	.	.	PUNCT
fsr-3513	446	1	https://doi.org/10.1016/b978-1-48323071-9.50012-x	https://doi.org/10.1016/b978-1-48323071-9.50012-x	PROPN
fsr-3513	446	2	gudmunson	gudmunson	PROPN
fsr-3513	446	3	,	,	PUNCT
fsr-3513	446	4	c.	c.	PROPN
fsr-3513	446	5	g.	g.	PROPN
fsr-3513	446	6	,	,	PUNCT
fsr-3513	446	7	&	&	CCONJ
fsr-3513	446	8	danes	danes	PROPN
fsr-3513	446	9	,	,	PUNCT
fsr-3513	446	10	s.	s.	PROPN
fsr-3513	446	11	m.	m.	PROPN
fsr-3513	446	12	(	(	PUNCT
fsr-3513	446	13	2011	2011	NUM
fsr-3513	446	14	)	)	PUNCT
fsr-3513	446	15	.	.	PUNCT
fsr-3513	447	1	family	family	NOUN
fsr-3513	447	2	financial	financial	ADJ
fsr-3513	447	3	socialization	socialization	NOUN
fsr-3513	447	4	:	:	PUNCT
fsr-3513	447	5	theory	theory	NOUN
fsr-3513	447	6	and	and	CCONJ
fsr-3513	447	7	critical	critical	ADJ
fsr-3513	447	8	review	review	NOUN
fsr-3513	447	9	.	.	PUNCT
fsr-3513	448	1	journal	journal	PROPN
fsr-3513	448	2	of	of	ADP
fsr-3513	448	3	family	family	NOUN
fsr-3513	448	4	and	and	CCONJ
fsr-3513	448	5	economic	economic	ADJ
fsr-3513	448	6	issues	issue	NOUN
fsr-3513	448	7	,	,	PUNCT
fsr-3513	448	8	32(4	32(4	NUM
fsr-3513	448	9	)	)	PUNCT
fsr-3513	448	10	,	,	PUNCT
fsr-3513	448	11	644–667	644–667	NUM
fsr-3513	448	12	.	.	PUNCT
fsr-3513	449	1	https://doi.org/10.1007/s10834-0119275-y	https://doi.org/10.1007/s10834-0119275-y	PROPN
fsr-3513	449	2	hair	hair	NOUN
fsr-3513	449	3	,	,	PUNCT
fsr-3513	449	4	j.	j.	PROPN
fsr-3513	449	5	,	,	PUNCT
fsr-3513	449	6	&	&	CCONJ
fsr-3513	449	7	hult	hult	PROPN
fsr-3513	449	8	,	,	PUNCT
fsr-3513	449	9	g.	g.	PROPN
fsr-3513	449	10	(	(	PUNCT
fsr-3513	449	11	2017	2017	NUM
fsr-3513	449	12	)	)	PUNCT
fsr-3513	449	13	.	.	PUNCT
fsr-3513	450	1	a	a	DET
fsr-3513	450	2	primer	primer	NOUN
fsr-3513	450	3	on	on	ADP
fsr-3513	450	4	partial	partial	ADJ
fsr-3513	450	5	least	least	ADJ
fsr-3513	450	6	squares	square	NOUN
fsr-3513	450	7	structural	structural	ADJ
fsr-3513	450	8	https://doi.org/10.1891/jfcp-20-00056	https://doi.org/10.1891/jfcp-20-00056	PROPN
fsr-3513	450	9	https://doi.org/10.1891/jfcp-20-00056	https://doi.org/10.1891/jfcp-20-00056	PROPN
fsr-3513	451	1	https://doi.org/10.17705/1cais.00407	https://doi.org/10.17705/1cais.00407	X
fsr-3513	451	2	https://doi.org/10.17705/1cais.00407	https://doi.org/10.17705/1cais.00407	NOUN
fsr-3513	451	3	young	young	ADJ
fsr-3513	451	4	et	et	PROPN
fsr-3513	451	5	al	al	PROPN
fsr-3513	451	6	.	.	PROPN
fsr-3513	452	1	73	73	NUM
fsr-3513	452	2	equation	equation	NOUN
fsr-3513	452	3	modeling	modeling	NOUN
fsr-3513	452	4	(	(	PUNCT
fsr-3513	452	5	pls	pls	INTJ
fsr-3513	452	6	-	-	PUNCT
fsr-3513	452	7	sem	sem	NOUN
fsr-3513	452	8	)	)	PUNCT
fsr-3513	452	9	.	.	PUNCT
fsr-3513	453	1	sage	sage	NOUN
fsr-3513	453	2	publications	publication	NOUN
fsr-3513	453	3	.	.	PUNCT
fsr-3513	454	1	hair	hair	NOUN
fsr-3513	454	2	,	,	PUNCT
fsr-3513	454	3	j.	j.	PROPN
fsr-3513	454	4	,	,	PUNCT
fsr-3513	454	5	ringle	ringle	PROPN
fsr-3513	454	6	,	,	PUNCT
fsr-3513	454	7	c.	c.	PROPN
fsr-3513	454	8	,	,	PUNCT
fsr-3513	454	9	&	&	CCONJ
fsr-3513	454	10	sarstedt	sarstedt	NOUN
fsr-3513	454	11	,	,	PUNCT
fsr-3513	454	12	m.	m.	NOUN
fsr-3513	454	13	(	(	PUNCT
fsr-3513	454	14	2011	2011	NUM
fsr-3513	454	15	)	)	PUNCT
fsr-3513	454	16	.	.	PUNCT
fsr-3513	455	1	pls	pls	NOUN
fsr-3513	455	2	-	-	PUNCT
fsr-3513	455	3	sem	sem	NOUN
fsr-3513	455	4	:	:	PUNCT
fsr-3513	455	5	indeed	indeed	ADV
fsr-3513	455	6	a	a	DET
fsr-3513	455	7	silver	silver	ADJ
fsr-3513	455	8	bullet	bullet	NOUN
fsr-3513	455	9	.	.	PUNCT
fsr-3513	456	1	journal	journal	NOUN
fsr-3513	456	2	of	of	ADP
fsr-3513	456	3	marketing	marketing	NOUN
fsr-3513	456	4	theory	theory	NOUN
fsr-3513	456	5	and	and	CCONJ
fsr-3513	456	6	practice	practice	NOUN
fsr-3513	456	7	,	,	PUNCT
fsr-3513	456	8	19	19	NUM
fsr-3513	456	9	,	,	PUNCT
fsr-3513	456	10	139–151	139–151	NUM
fsr-3513	456	11	.	.	PUNCT
fsr-3513	457	1	https://doi.org/10.2753/mtp10696679190202	https://doi.org/10.2753/mtp10696679190202	PROPN
fsr-3513	457	2	hastings	hastings	PROPN
fsr-3513	457	3	,	,	PUNCT
fsr-3513	457	4	j.	j.	PROPN
fsr-3513	457	5	s.	s.	PROPN
fsr-3513	457	6	,	,	PUNCT
fsr-3513	457	7	&	&	CCONJ
fsr-3513	457	8	tejeda	tejeda	PROPN
fsr-3513	457	9	-	-	PUNCT
fsr-3513	457	10	ashton	ashton	PROPN
fsr-3513	457	11	,	,	PUNCT
fsr-3513	457	12	l.	l.	PROPN
fsr-3513	457	13	(	(	PUNCT
fsr-3513	457	14	2008	2008	NUM
fsr-3513	457	15	)	)	PUNCT
fsr-3513	457	16	.	.	PUNCT
fsr-3513	458	1	financial	financial	ADJ
fsr-3513	458	2	literacy	literacy	NOUN
fsr-3513	458	3	,	,	PUNCT
fsr-3513	458	4	information	information	NOUN
fsr-3513	458	5	,	,	PUNCT
fsr-3513	458	6	and	and	CCONJ
fsr-3513	458	7	demand	demand	NOUN
fsr-3513	458	8	elasticity	elasticity	NOUN
fsr-3513	458	9	:	:	PUNCT
fsr-3513	458	10	survey	survey	NOUN
fsr-3513	458	11	and	and	CCONJ
fsr-3513	458	12	experimental	experimental	ADJ
fsr-3513	458	13	evidence	evidence	NOUN
fsr-3513	458	14	.	.	PUNCT
fsr-3513	459	1	nber	nber	PROPN
fsr-3513	459	2	working	working	PROPN
fsr-3513	459	3	paper	paper	PROPN
fsr-3513	459	4	no	no	INTJ
fsr-3513	459	5	.	.	PROPN
fsr-3513	459	6	14538	14538	NUM
fsr-3513	459	7	.	.	PUNCT
fsr-3513	460	1	henseler	henseler	PROPN
fsr-3513	460	2	,	,	PUNCT
fsr-3513	460	3	j.	j.	PROPN
fsr-3513	460	4	,	,	PUNCT
fsr-3513	460	5	hubona	hubona	PROPN
fsr-3513	460	6	,	,	PUNCT
fsr-3513	460	7	g.	g.	PROPN
fsr-3513	460	8	,	,	PUNCT
fsr-3513	460	9	&	&	CCONJ
fsr-3513	460	10	ray	ray	PROPN
fsr-3513	460	11	,	,	PUNCT
fsr-3513	460	12	p.	p.	NOUN
fsr-3513	460	13	(	(	PUNCT
fsr-3513	460	14	2016	2016	NUM
fsr-3513	460	15	)	)	PUNCT
fsr-3513	460	16	.	.	PUNCT
fsr-3513	461	1	using	use	VERB
fsr-3513	461	2	pls	pls	PROPN
fsr-3513	461	3	path	path	NOUN
fsr-3513	461	4	modeling	modeling	NOUN
fsr-3513	461	5	in	in	ADP
fsr-3513	461	6	new	new	ADJ
fsr-3513	461	7	technology	technology	NOUN
fsr-3513	461	8	research	research	NOUN
fsr-3513	461	9	:	:	PUNCT
fsr-3513	461	10	updated	update	VERB
fsr-3513	461	11	guidelines	guideline	NOUN
fsr-3513	461	12	.	.	PUNCT
fsr-3513	462	1	industrial	industrial	ADJ
fsr-3513	462	2	management	management	PROPN
fsr-3513	462	3	&	&	CCONJ
fsr-3513	462	4	data	datum	NOUN
fsr-3513	462	5	systems	system	NOUN
fsr-3513	462	6	,	,	PUNCT
fsr-3513	462	7	116(1	116(1	NUM
fsr-3513	462	8	)	)	PUNCT
fsr-3513	462	9	,	,	PUNCT
fsr-3513	462	10	2–20	2–20	PROPN
fsr-3513	462	11	.	.	PUNCT
fsr-3513	463	1	https://doi.org/10.1108/imds-092015-0382	https://doi.org/10.1108/imds-092015-0382	PROPN
fsr-3513	463	2	henseler	henseler	NOUN
fsr-3513	463	3	,	,	PUNCT
fsr-3513	463	4	j.	j.	PROPN
fsr-3513	463	5	,	,	PUNCT
fsr-3513	463	6	ringle	ringle	PROPN
fsr-3513	463	7	,	,	PUNCT
fsr-3513	463	8	c.	c.	PROPN
fsr-3513	463	9	m.	m.	PROPN
fsr-3513	463	10	&	&	CCONJ
fsr-3513	463	11	sarstedt	sarstedt	PROPN
fsr-3513	463	12	,	,	PUNCT
fsr-3513	463	13	m.	m.	NOUN
fsr-3513	463	14	(	(	PUNCT
fsr-3513	463	15	2015	2015	NUM
fsr-3513	463	16	)	)	PUNCT
fsr-3513	463	17	.	.	PUNCT
fsr-3513	464	1	a	a	DET
fsr-3513	464	2	new	new	ADJ
fsr-3513	464	3	criterion	criterion	NOUN
fsr-3513	464	4	for	for	ADP
fsr-3513	464	5	assessing	assess	VERB
fsr-3513	464	6	discriminant	discriminant	ADJ
fsr-3513	464	7	validity	validity	NOUN
fsr-3513	464	8	in	in	ADP
fsr-3513	464	9	variancebased	variancebase	VERB
fsr-3513	464	10	structural	structural	ADJ
fsr-3513	464	11	equation	equation	NOUN
fsr-3513	464	12	modeling	modeling	NOUN
fsr-3513	464	13	.	.	PUNCT
fsr-3513	465	1	journal	journal	NOUN
fsr-3513	465	2	of	of	ADP
fsr-3513	465	3	the	the	DET
fsr-3513	465	4	academy	academy	NOUN
fsr-3513	465	5	of	of	ADP
fsr-3513	465	6	marketing	marketing	NOUN
fsr-3513	465	7	science	science	NOUN
fsr-3513	465	8	,	,	PUNCT
fsr-3513	465	9	43(1	43(1	NOUN
fsr-3513	465	10	)	)	PUNCT
fsr-3513	465	11	,	,	PUNCT
fsr-3513	465	12	115–135	115–135	NUM
fsr-3513	465	13	.	.	PUNCT
fsr-3513	466	1	https://doi.org/10.1007/s11747-0140403-8	https://doi.org/10.1007/s11747-0140403-8	NOUN
fsr-3513	466	2	hibbert	hibbert	PROPN
fsr-3513	466	3	,	,	PUNCT
fsr-3513	466	4	j.	j.	PROPN
fsr-3513	466	5	r.	r.	PROPN
fsr-3513	466	6	,	,	PUNCT
fsr-3513	466	7	beutler	beutler	NOUN
fsr-3513	466	8	,	,	PUNCT
fsr-3513	466	9	i.	i.	PROPN
fsr-3513	466	10	f.	f.	PROPN
fsr-3513	466	11	,	,	PUNCT
fsr-3513	466	12	&	&	CCONJ
fsr-3513	466	13	martin	martin	PROPN
fsr-3513	466	14	,	,	PUNCT
fsr-3513	466	15	t.	t.	NOUN
fsr-3513	466	16	m.	m.	NOUN
fsr-3513	466	17	(	(	PUNCT
fsr-3513	466	18	2004	2004	NUM
fsr-3513	466	19	)	)	PUNCT
fsr-3513	466	20	.	.	PUNCT
fsr-3513	467	1	financial	financial	ADJ
fsr-3513	467	2	prudence	prudence	NOUN
fsr-3513	467	3	and	and	CCONJ
fsr-3513	467	4	next	next	ADJ
fsr-3513	467	5	generation	generation	NOUN
fsr-3513	467	6	financial	financial	ADJ
fsr-3513	467	7	strain	strain	NOUN
fsr-3513	467	8	.	.	PUNCT
fsr-3513	468	1	journal	journal	NOUN
fsr-3513	468	2	of	of	ADP
fsr-3513	468	3	financial	financial	ADJ
fsr-3513	468	4	counseling	counseling	NOUN
fsr-3513	468	5	and	and	CCONJ
fsr-3513	468	6	planning	planning	NOUN
fsr-3513	468	7	,	,	PUNCT
fsr-3513	468	8	15(2	15(2	NUM
fsr-3513	468	9	)	)	PUNCT
fsr-3513	468	10	,	,	PUNCT
fsr-3513	468	11	51–59	51–59	NUM
fsr-3513	468	12	.	.	PUNCT
fsr-3513	469	1	hilgert	hilgert	PROPN
fsr-3513	469	2	,	,	PUNCT
fsr-3513	469	3	m.	m.	NOUN
fsr-3513	469	4	a.	a.	PROPN
fsr-3513	469	5	,	,	PUNCT
fsr-3513	469	6	hogarth	hogarth	NOUN
fsr-3513	469	7	,	,	PUNCT
fsr-3513	469	8	j.	j.	PROPN
fsr-3513	469	9	m.	m.	PROPN
fsr-3513	469	10	,	,	PUNCT
fsr-3513	469	11	&	&	CCONJ
fsr-3513	469	12	beverly	beverly	PROPN
fsr-3513	469	13	,	,	PUNCT
fsr-3513	469	14	s.	s.	PROPN
fsr-3513	469	15	g.	g.	PROPN
fsr-3513	469	16	(	(	PUNCT
fsr-3513	469	17	2003	2003	NUM
fsr-3513	469	18	)	)	PUNCT
fsr-3513	469	19	.	.	PUNCT
fsr-3513	470	1	household	household	NOUN
fsr-3513	470	2	financial	financial	ADJ
fsr-3513	470	3	management	management	NOUN
fsr-3513	470	4	:	:	PUNCT
fsr-3513	470	5	the	the	DET
fsr-3513	470	6	connection	connection	NOUN
fsr-3513	470	7	between	between	ADP
fsr-3513	470	8	knowledge	knowledge	NOUN
fsr-3513	470	9	and	and	CCONJ
fsr-3513	470	10	behavior	behavior	NOUN
fsr-3513	470	11	.	.	PUNCT
fsr-3513	471	1	federal	federal	PROPN
fsr-3513	471	2	reserve	reserve	PROPN
fsr-3513	471	3	bulletin	bulletin	PROPN
fsr-3513	471	4	,	,	PUNCT
fsr-3513	471	5	89	89	NUM
fsr-3513	471	6	,	,	PUNCT
fsr-3513	471	7	309	309	NUM
fsr-3513	471	8	.	.	PUNCT
fsr-3513	472	1	hogarth	hogarth	NOUN
fsr-3513	472	2	,	,	PUNCT
fsr-3513	472	3	j.	j.	PROPN
fsr-3513	472	4	m.	m.	PROPN
fsr-3513	472	5	,	,	PUNCT
fsr-3513	472	6	&	&	CCONJ
fsr-3513	472	7	hilgert	hilgert	PROPN
fsr-3513	472	8	,	,	PUNCT
fsr-3513	472	9	m.	m.	NOUN
fsr-3513	472	10	a.	a.	NOUN
fsr-3513	472	11	(	(	PUNCT
fsr-3513	472	12	2002	2002	NUM
fsr-3513	472	13	)	)	PUNCT
fsr-3513	472	14	.	.	PUNCT
fsr-3513	473	1	financial	financial	ADJ
fsr-3513	473	2	knowledge	knowledge	NOUN
fsr-3513	473	3	,	,	PUNCT
fsr-3513	473	4	experience	experience	NOUN
fsr-3513	473	5	and	and	CCONJ
fsr-3513	473	6	learning	learn	VERB
fsr-3513	473	7	preferences	preference	NOUN
fsr-3513	473	8	:	:	PUNCT
fsr-3513	473	9	preliminary	preliminary	ADJ
fsr-3513	473	10	results	result	NOUN
fsr-3513	473	11	from	from	ADP
fsr-3513	473	12	a	a	DET
fsr-3513	473	13	new	new	ADJ
fsr-3513	473	14	survey	survey	NOUN
fsr-3513	473	15	on	on	ADP
fsr-3513	473	16	financial	financial	ADJ
fsr-3513	473	17	literacy	literacy	NOUN
fsr-3513	473	18	.	.	PUNCT
fsr-3513	474	1	consumer	consumer	NOUN
fsr-3513	474	2	interest	interest	NOUN
fsr-3513	474	3	annual	annual	ADJ
fsr-3513	474	4	,	,	PUNCT
fsr-3513	474	5	48(1	48(1	NOUN
fsr-3513	474	6	)	)	PUNCT
fsr-3513	474	7	,	,	PUNCT
fsr-3513	474	8	1–7	1–7	X
fsr-3513	474	9	.	.	PUNCT
fsr-3513	474	10	hudson	hudson	PROPN
fsr-3513	474	11	,	,	PUNCT
fsr-3513	474	12	c.	c.	PROPN
fsr-3513	474	13	r.	r.	PROPN
fsr-3513	474	14	,	,	PUNCT
fsr-3513	474	15	young	young	PROPN
fsr-3513	474	16	,	,	PUNCT
fsr-3513	474	17	j.	j.	PROPN
fsr-3513	474	18	,	,	PUNCT
fsr-3513	474	19	anong	anong	PROPN
fsr-3513	474	20	,	,	PUNCT
fsr-3513	474	21	s.	s.	PROPN
fsr-3513	474	22	,	,	PUNCT
fsr-3513	474	23	hudson	hudson	PROPN
fsr-3513	474	24	,	,	PUNCT
fsr-3513	474	25	e.	e.	PROPN
fsr-3513	474	26	,	,	PUNCT
fsr-3513	474	27	&	&	CCONJ
fsr-3513	474	28	davis	davis	PROPN
fsr-3513	474	29	,	,	PUNCT
fsr-3513	474	30	e.	e.	PROPN
fsr-3513	474	31	(	(	PUNCT
fsr-3513	474	32	2017	2017	NUM
fsr-3513	474	33	)	)	PUNCT
fsr-3513	474	34	.	.	PUNCT
fsr-3513	475	1	african	african	ADJ
fsr-3513	475	2	american	american	PROPN
fsr-3513	475	3	financial	financial	ADJ
fsr-3513	475	4	socialization	socialization	NOUN
fsr-3513	475	5	.	.	PUNCT
fsr-3513	476	1	the	the	DET
fsr-3513	476	2	review	review	NOUN
fsr-3513	476	3	of	of	ADP
fsr-3513	476	4	black	black	ADJ
fsr-3513	476	5	politically	politically	ADV
fsr-3513	476	6	economy	economy	NOUN
fsr-3513	476	7	,	,	PUNCT
fsr-3513	476	8	44	44	NUM
fsr-3513	476	9	,	,	PUNCT
fsr-3513	476	10	(	(	PUNCT
fsr-3513	476	11	3–4	3–4	NUM
fsr-3513	476	12	)	)	PUNCT
fsr-3513	476	13	.	.	PUNCT
fsr-3513	477	1	https://doi.org/10.1007/s12114-0179258-9	https://doi.org/10.1007/s12114-0179258-9	PROPN
fsr-3513	477	2	hughes	hughes	PROPN
fsr-3513	477	3	,	,	PUNCT
fsr-3513	477	4	l.	l.	PROPN
fsr-3513	477	5	(	(	PUNCT
fsr-3513	477	6	n.d	n.d	PROPN
fsr-3513	477	7	.	.	PROPN
fsr-3513	477	8	)	)	PUNCT
fsr-3513	477	9	.	.	PUNCT
fsr-3513	478	1	live	live	VERB
fsr-3513	478	2	your	your	PRON
fsr-3513	478	3	creed	creed	NOUN
fsr-3513	478	4	poem	poem	NOUN
fsr-3513	478	5	.	.	PUNCT
fsr-3513	479	1	success	success	NOUN
fsr-3513	479	2	minded	mind	VERB
fsr-3513	479	3	.	.	PUNCT
fsr-3513	480	1	https://successminded.co/liv	https://successminded.co/liv	NOUN
fsr-3513	480	2	e	e	X
fsr-3513	480	3	-	-	DET
fsr-3513	480	4	your	your	PRON
fsr-3513	480	5	-	-	PUNCT
fsr-3513	480	6	creed	creed	NOUN
fsr-3513	480	7	-	-	PUNCT
fsr-3513	480	8	poem/	poem/	NUM
fsr-3513	480	9	huston	huston	NOUN
fsr-3513	480	10	,	,	PUNCT
fsr-3513	480	11	s.	s.	PROPN
fsr-3513	480	12	j.	j.	PROPN
fsr-3513	480	13	(	(	PUNCT
fsr-3513	480	14	2010	2010	NUM
fsr-3513	480	15	)	)	PUNCT
fsr-3513	480	16	.	.	PUNCT
fsr-3513	481	1	measuring	measure	VERB
fsr-3513	481	2	financial	financial	ADJ
fsr-3513	481	3	literacy	literacy	NOUN
fsr-3513	481	4	.	.	PUNCT
fsr-3513	482	1	journal	journal	NOUN
fsr-3513	482	2	of	of	ADP
fsr-3513	482	3	consumer	consumer	NOUN
fsr-3513	482	4	affairs	affair	NOUN
fsr-3513	482	5	,	,	PUNCT
fsr-3513	482	6	44(2	44(2	NOUN
fsr-3513	482	7	)	)	PUNCT
fsr-3513	482	8	,	,	PUNCT
fsr-3513	482	9	296–316	296–316	NUM
fsr-3513	482	10	.	.	PUNCT
fsr-3513	483	1	https://doi.org/10.1111/j.1745	https://doi.org/10.1111/j.1745	PROPN
fsr-3513	483	2	6606.2010.01170.x	6606.2010.01170.x	PROPN
fsr-3513	483	3	iramani	iramani	PROPN
fsr-3513	483	4	,	,	PUNCT
fsr-3513	483	5	r.	r.	PROPN
fsr-3513	483	6	,	,	PUNCT
fsr-3513	483	7	&	&	CCONJ
fsr-3513	483	8	lutfi	lutfi	PROPN
fsr-3513	483	9	,	,	PUNCT
fsr-3513	483	10	l.	l.	PROPN
fsr-3513	483	11	(	(	PUNCT
fsr-3513	483	12	2021	2021	NUM
fsr-3513	483	13	)	)	PUNCT
fsr-3513	483	14	.	.	PUNCT
fsr-3513	484	1	an	an	DET
fsr-3513	484	2	integrated	integrated	ADJ
fsr-3513	484	3	model	model	NOUN
fsr-3513	484	4	of	of	ADP
fsr-3513	484	5	financial	financial	ADJ
fsr-3513	484	6	well	well	NOUN
fsr-3513	484	7	-	-	PUNCT
fsr-3513	484	8	being	being	NOUN
fsr-3513	484	9	:	:	PUNCT
fsr-3513	484	10	the	the	DET
fsr-3513	484	11	role	role	NOUN
fsr-3513	484	12	of	of	ADP
fsr-3513	484	13	financial	financial	ADJ
fsr-3513	484	14	behavior	behavior	NOUN
fsr-3513	484	15	.	.	PUNCT
fsr-3513	485	1	accounting	accounting	NOUN
fsr-3513	485	2	,	,	PUNCT
fsr-3513	485	3	7(3	7(3	NUM
fsr-3513	485	4	)	)	PUNCT
fsr-3513	485	5	,	,	PUNCT
fsr-3513	485	6	691–700	691–700	NUM
fsr-3513	485	7	.	.	PUNCT
fsr-3513	486	1	https://doi.org/10.5267/j.ac.2020.12	https://doi.org/10.5267/j.ac.2020.12	PROPN
fsr-3513	486	2	.	.	PROPN
fsr-3513	487	1	007	007	NUM
fsr-3513	487	2	jorgensen	jorgensen	PROPN
fsr-3513	487	3	,	,	PUNCT
fsr-3513	487	4	b.	b.	PROPN
fsr-3513	487	5	l.	l.	PROPN
fsr-3513	487	6	,	,	PUNCT
fsr-3513	487	7	&	&	CCONJ
fsr-3513	487	8	savla	savla	NOUN
fsr-3513	487	9	,	,	PUNCT
fsr-3513	487	10	j.	j.	PROPN
fsr-3513	487	11	(	(	PUNCT
fsr-3513	487	12	2010	2010	NUM
fsr-3513	487	13	)	)	PUNCT
fsr-3513	487	14	.	.	PUNCT
fsr-3513	488	1	financial	financial	ADJ
fsr-3513	488	2	literacy	literacy	NOUN
fsr-3513	488	3	of	of	ADP
fsr-3513	488	4	young	young	ADJ
fsr-3513	488	5	adults	adult	NOUN
fsr-3513	488	6	:	:	PUNCT
fsr-3513	488	7	the	the	DET
fsr-3513	488	8	importance	importance	NOUN
fsr-3513	488	9	of	of	ADP
fsr-3513	488	10	parental	parental	ADJ
fsr-3513	488	11	socialization	socialization	NOUN
fsr-3513	488	12	.	.	PUNCT
fsr-3513	489	1	family	family	NOUN
fsr-3513	489	2	relations	relation	NOUN
fsr-3513	489	3	,	,	PUNCT
fsr-3513	489	4	59(4	59(4	NUM
fsr-3513	489	5	)	)	PUNCT
fsr-3513	489	6	,	,	PUNCT
fsr-3513	489	7	465–478	465–478	NUM
fsr-3513	489	8	.	.	PUNCT
fsr-3513	490	1	https://doi.org/10.1111/j.1741-3729	https://doi.org/10.1111/j.1741-3729	PROPN
fsr-3513	490	2	.	.	PUNCT
fsr-3513	491	1	2010.00616.x	2010.00616.x	NUM
fsr-3513	491	2	.	.	PUNCT
fsr-3513	492	1	kim	kim	PROPN
fsr-3513	492	2	,	,	PUNCT
fsr-3513	492	3	j.	j.	PROPN
fsr-3513	492	4	,	,	PUNCT
fsr-3513	492	5	&	&	CCONJ
fsr-3513	492	6	chatterjee	chatterjee	PROPN
fsr-3513	492	7	,	,	PUNCT
fsr-3513	492	8	s.	s.	PROPN
fsr-3513	492	9	(	(	PUNCT
fsr-3513	492	10	2013	2013	NUM
fsr-3513	492	11	)	)	PUNCT
fsr-3513	492	12	.	.	PUNCT
fsr-3513	493	1	childhood	childhood	PROPN
fsr-3513	493	2	financial	financial	ADJ
fsr-3513	493	3	socialization	socialization	NOUN
fsr-3513	493	4	and	and	CCONJ
fsr-3513	493	5	young	young	ADJ
fsr-3513	493	6	adults	adult	NOUN
fsr-3513	493	7	’	'	PUNCT
fsr-3513	493	8	financial	financial	ADJ
fsr-3513	493	9	management	management	NOUN
fsr-3513	493	10	.	.	PUNCT
fsr-3513	494	1	journal	journal	NOUN
fsr-3513	494	2	of	of	ADP
fsr-3513	494	3	financial	financial	ADJ
fsr-3513	494	4	counseling	counseling	NOUN
fsr-3513	494	5	and	and	CCONJ
fsr-3513	494	6	planning	planning	NOUN
fsr-3513	494	7	,	,	PUNCT
fsr-3513	494	8	24(1	24(1	NUM
fsr-3513	494	9	)	)	PUNCT
fsr-3513	494	10	,	,	PUNCT
fsr-3513	494	11	61–79	61–79	ADV
fsr-3513	494	12	,	,	PUNCT
fsr-3513	494	13	91–92	91–92	NUM
fsr-3513	494	14	.	.	PUNCT
fsr-3513	495	1	knoll	knoll	NOUN
fsr-3513	495	2	,	,	PUNCT
fsr-3513	495	3	m.	m.	NOUN
fsr-3513	495	4	a.	a.	PROPN
fsr-3513	495	5	z.	z.	PROPN
fsr-3513	495	6	,	,	PUNCT
fsr-3513	495	7	&	&	CCONJ
fsr-3513	495	8	houts	hout	NOUN
fsr-3513	495	9	,	,	PUNCT
fsr-3513	495	10	c.	c.	PROPN
fsr-3513	495	11	r.	r.	PROPN
fsr-3513	495	12	(	(	PUNCT
fsr-3513	495	13	2012	2012	NUM
fsr-3513	495	14	)	)	PUNCT
fsr-3513	495	15	.	.	PUNCT
fsr-3513	496	1	the	the	DET
fsr-3513	496	2	financial	financial	ADJ
fsr-3513	496	3	knowledge	knowledge	NOUN
fsr-3513	496	4	scale	scale	NOUN
fsr-3513	496	5	:	:	PUNCT
fsr-3513	496	6	an	an	DET
fsr-3513	496	7	application	application	NOUN
fsr-3513	496	8	of	of	ADP
fsr-3513	496	9	item	item	NOUN
fsr-3513	496	10	response	response	NOUN
fsr-3513	496	11	theory	theory	NOUN
fsr-3513	496	12	to	to	ADP
fsr-3513	496	13	the	the	DET
fsr-3513	496	14	assessment	assessment	NOUN
fsr-3513	496	15	of	of	ADP
fsr-3513	496	16	financial	financial	ADJ
fsr-3513	496	17	literacy	literacy	NOUN
fsr-3513	496	18	.	.	PUNCT
fsr-3513	497	1	the	the	DET
fsr-3513	497	2	journal	journal	NOUN
fsr-3513	497	3	of	of	ADP
fsr-3513	497	4	consumer	consumer	NOUN
fsr-3513	497	5	affairs	affair	NOUN
fsr-3513	497	6	,	,	PUNCT
fsr-3513	497	7	46(3	46(3	NOUN
fsr-3513	497	8	)	)	PUNCT
fsr-3513	497	9	,	,	PUNCT
fsr-3513	497	10	381–410	381–410	NUM
fsr-3513	497	11	.	.	PUNCT
fsr-3513	498	1	https://doi.org/10.1007/s12114-017-9258-9	https://doi.org/10.1007/s12114-017-9258-9	NOUN
fsr-3513	498	2	https://doi.org/10.1007/s12114-017-9258-9	https://doi.org/10.1007/s12114-017-9258-9	NOUN
fsr-3513	499	1	https://successminded.co/live-your-creed-poem/	https://successminded.co/live-your-creed-poem/	PRON
fsr-3513	499	2	https://successminded.co/live-your-creed-poem/	https://successminded.co/live-your-creed-poem/	PRON
fsr-3513	499	3	financial	financial	ADJ
fsr-3513	499	4	services	service	NOUN
fsr-3513	499	5	review	review	NOUN
fsr-3513	499	6	,	,	PUNCT
fsr-3513	499	7	32(2	32(2	NUM
fsr-3513	499	8	)	)	PUNCT
fsr-3513	499	9	74	74	NUM
fsr-3513	499	10	https://doi.org/10.1111/j.17456606.2012.01241.x	https://doi.org/10.1111/j.17456606.2012.01241.x	NOUN
fsr-3513	499	11	limbu	limbu	PROPN
fsr-3513	499	12	,	,	PUNCT
fsr-3513	499	13	y.	y.	PROPN
fsr-3513	499	14	b.	b.	PROPN
fsr-3513	499	15	(	(	PUNCT
fsr-3513	499	16	2017	2017	NUM
fsr-3513	499	17	)	)	PUNCT
fsr-3513	499	18	.	.	PUNCT
fsr-3513	500	1	credit	credit	NOUN
fsr-3513	500	2	card	card	NOUN
fsr-3513	500	3	knowledge	knowledge	NOUN
fsr-3513	500	4	,	,	PUNCT
fsr-3513	500	5	social	social	ADJ
fsr-3513	500	6	motivation	motivation	NOUN
fsr-3513	500	7	,	,	PUNCT
fsr-3513	500	8	and	and	CCONJ
fsr-3513	500	9	credit	credit	NOUN
fsr-3513	500	10	card	card	NOUN
fsr-3513	500	11	misuse	misuse	NOUN
fsr-3513	500	12	among	among	ADP
fsr-3513	500	13	college	college	NOUN
fsr-3513	500	14	students	student	NOUN
fsr-3513	500	15	:	:	PUNCT
fsr-3513	500	16	examining	examine	VERB
fsr-3513	500	17	the	the	DET
fsr-3513	500	18	informationmotivation	informationmotivation	NOUN
fsr-3513	500	19	-	-	PUNCT
fsr-3513	500	20	behavioral	behavioral	ADJ
fsr-3513	500	21	skills	skill	NOUN
fsr-3513	500	22	model	model	NOUN
fsr-3513	500	23	.	.	PUNCT
fsr-3513	501	1	the	the	DET
fsr-3513	501	2	international	international	ADJ
fsr-3513	501	3	journal	journal	NOUN
fsr-3513	501	4	of	of	ADP
fsr-3513	501	5	bank	bank	PROPN
fsr-3513	501	6	marketing	marketing	NOUN
fsr-3513	501	7	,	,	PUNCT
fsr-3513	501	8	35(5	35(5	NUM
fsr-3513	501	9	)	)	PUNCT
fsr-3513	501	10	,	,	PUNCT
fsr-3513	501	11	842–856	842–856	NUM
fsr-3513	501	12	.	.	PUNCT
fsr-3513	502	1	https://doi.org/10.1108/ijbm-042016-0045	https://doi.org/10.1108/ijbm-042016-0045	PROPN
fsr-3513	502	2	lusardi	lusardi	PROPN
fsr-3513	502	3	,	,	PUNCT
fsr-3513	502	4	a.	a.	PROPN
fsr-3513	502	5	,	,	PUNCT
fsr-3513	502	6	michaud	michaud	PROPN
fsr-3513	502	7	,	,	PUNCT
fsr-3513	502	8	p.	p.	PROPN
fsr-3513	502	9	c.	c.	PROPN
fsr-3513	502	10	,	,	PUNCT
fsr-3513	502	11	&	&	CCONJ
fsr-3513	502	12	mitchell	mitchell	PROPN
fsr-3513	502	13	,	,	PUNCT
fsr-3513	502	14	o.	o.	PROPN
fsr-3513	502	15	s.	s.	PROPN
fsr-3513	502	16	(	(	PUNCT
fsr-3513	502	17	2015	2015	NUM
fsr-3513	502	18	)	)	PUNCT
fsr-3513	502	19	.	.	PUNCT
fsr-3513	503	1	using	use	VERB
fsr-3513	503	2	a	a	DET
fsr-3513	503	3	life	life	NOUN
fsr-3513	503	4	cycle	cycle	NOUN
fsr-3513	503	5	model	model	NOUN
fsr-3513	503	6	to	to	PART
fsr-3513	503	7	evaluate	evaluate	VERB
fsr-3513	503	8	financial	financial	ADJ
fsr-3513	503	9	literacy	literacy	NOUN
fsr-3513	503	10	program	program	NOUN
fsr-3513	503	11	effectiveness	effectiveness	NOUN
fsr-3513	503	12	(	(	PUNCT
fsr-3513	503	13	working	working	NOUN
fsr-3513	503	14	paper	paper	NOUN
fsr-3513	503	15	no	no	NOUN
fsr-3513	503	16	.	.	NOUN
fsr-3513	503	17	2015	2015	NUM
fsr-3513	503	18	-	-	SYM
fsr-3513	503	19	5	5	NUM
fsr-3513	503	20	)	)	PUNCT
fsr-3513	503	21	.	.	PUNCT
fsr-3513	504	1	global	global	ADJ
fsr-3513	504	2	financial	financial	ADJ
fsr-3513	504	3	literacy	literacy	PROPN
fsr-3513	504	4	excellence	excellence	NOUN
fsr-3513	504	5	center	center	NOUN
fsr-3513	504	6	,	,	PUNCT
fsr-3513	504	7	george	george	PROPN
fsr-3513	504	8	washington	washington	PROPN
fsr-3513	504	9	university	university	PROPN
fsr-3513	504	10	.	.	PUNCT
fsr-3513	505	1	retrieved	retrieve	VERB
fsr-3513	505	2	from	from	ADP
fsr-3513	505	3	:	:	PUNCT
fsr-3513	505	4	https://gflec.org/wpcontent/uploads/2016/08/wp-20155-using-a-life-cycle-model-toevaluate-financial-literacyprogram-effectiveness.pdf	https://gflec.org/wpcontent/uploads/2016/08/wp-20155-using-a-life-cycle-model-toevaluate-financial-literacyprogram-effectiveness.pdf	PROPN
fsr-3513	505	5	lusardi	lusardi	PROPN
fsr-3513	505	6	,	,	PUNCT
fsr-3513	505	7	a.	a.	PROPN
fsr-3513	505	8	,	,	PUNCT
fsr-3513	505	9	&	&	CCONJ
fsr-3513	505	10	mitchell	mitchell	PROPN
fsr-3513	505	11	,	,	PUNCT
fsr-3513	505	12	o.	o.	PROPN
fsr-3513	505	13	s.	s.	PROPN
fsr-3513	505	14	(	(	PUNCT
fsr-3513	505	15	2007	2007	NUM
fsr-3513	505	16	)	)	PUNCT
fsr-3513	505	17	.	.	PUNCT
fsr-3513	506	1	baby	baby	NOUN
fsr-3513	506	2	boomer	boomer	PROPN
fsr-3513	506	3	retirement	retirement	PROPN
fsr-3513	506	4	security	security	PROPN
fsr-3513	506	5	:	:	PUNCT
fsr-3513	506	6	the	the	DET
fsr-3513	506	7	roles	role	NOUN
fsr-3513	506	8	of	of	ADP
fsr-3513	506	9	planning	planning	NOUN
fsr-3513	506	10	,	,	PUNCT
fsr-3513	506	11	financial	financial	ADJ
fsr-3513	506	12	literacy	literacy	NOUN
fsr-3513	506	13	,	,	PUNCT
fsr-3513	506	14	and	and	CCONJ
fsr-3513	506	15	housing	housing	NOUN
fsr-3513	506	16	wealth	wealth	NOUN
fsr-3513	506	17	.	.	PUNCT
fsr-3513	507	1	journal	journal	PROPN
fsr-3513	507	2	of	of	ADP
fsr-3513	507	3	monetary	monetary	ADJ
fsr-3513	507	4	economics	economic	NOUN
fsr-3513	507	5	,	,	PUNCT
fsr-3513	507	6	54(1	54(1	NUM
fsr-3513	507	7	)	)	PUNCT
fsr-3513	507	8	,	,	PUNCT
fsr-3513	507	9	205–224	205–224	NUM
fsr-3513	507	10	.	.	PUNCT
fsr-3513	508	1	https://doi.org/10.1016/j.jmoneco.20	https://doi.org/10.1016/j.jmoneco.20	PRON
fsr-3513	508	2	06.12.001	06.12.001	PROPN
fsr-3513	508	3	lusardi	lusardi	PROPN
fsr-3513	508	4	,	,	PUNCT
fsr-3513	508	5	a.	a.	PROPN
fsr-3513	508	6	,	,	PUNCT
fsr-3513	508	7	mitchell	mitchell	PROPN
fsr-3513	508	8	,	,	PUNCT
fsr-3513	508	9	o.	o.	PROPN
fsr-3513	508	10	s.	s.	PROPN
fsr-3513	508	11	,	,	PUNCT
fsr-3513	508	12	&	&	CCONJ
fsr-3513	508	13	curto	curto	PROPN
fsr-3513	508	14	,	,	PUNCT
fsr-3513	508	15	v.	v.	PROPN
fsr-3513	508	16	(	(	PUNCT
fsr-3513	508	17	2009	2009	NUM
fsr-3513	508	18	)	)	PUNCT
fsr-3513	508	19	.	.	PUNCT
fsr-3513	509	1	financial	financial	ADJ
fsr-3513	509	2	literacy	literacy	NOUN
fsr-3513	509	3	and	and	CCONJ
fsr-3513	509	4	financial	financial	ADJ
fsr-3513	509	5	sophistication	sophistication	NOUN
fsr-3513	509	6	among	among	ADP
fsr-3513	509	7	older	old	ADJ
fsr-3513	509	8	americans	americans	PROPN
fsr-3513	509	9	(	(	PUNCT
fsr-3513	509	10	no	no	INTJ
fsr-3513	509	11	.	.	PUNCT
fsr-3513	509	12	w15469	w15469	NOUN
fsr-3513	509	13	)	)	PUNCT
fsr-3513	509	14	.	.	PUNCT
fsr-3513	510	1	national	national	PROPN
fsr-3513	510	2	bureau	bureau	PROPN
fsr-3513	510	3	of	of	ADP
fsr-3513	510	4	economic	economic	ADJ
fsr-3513	510	5	research	research	NOUN
fsr-3513	510	6	.	.	PUNCT
fsr-3513	511	1	retrieved	retrieve	VERB
fsr-3513	511	2	from	from	ADP
fsr-3513	511	3	:	:	PUNCT
fsr-3513	511	4	https://repository.upenn.edu/prc_pap	https://repository.upenn.edu/prc_pap	PROPN
fsr-3513	511	5	ers/346/	ers/346/	NUM
fsr-3513	511	6	lusardi	lusardi	PROPN
fsr-3513	511	7	,	,	PUNCT
fsr-3513	511	8	a.	a.	NOUN
fsr-3513	511	9	,	,	PUNCT
fsr-3513	511	10	&	&	CCONJ
fsr-3513	511	11	tufano	tufano	ADJ
fsr-3513	511	12	,	,	PUNCT
fsr-3513	511	13	p.	p.	NOUN
fsr-3513	511	14	(	(	PUNCT
fsr-3513	511	15	2009	2009	NUM
fsr-3513	511	16	)	)	PUNCT
fsr-3513	511	17	.	.	PUNCT
fsr-3513	512	1	debt	debt	NOUN
fsr-3513	512	2	literacy	literacy	NOUN
fsr-3513	512	3	,	,	PUNCT
fsr-3513	512	4	financial	financial	ADJ
fsr-3513	512	5	experiences	experience	NOUN
fsr-3513	512	6	,	,	PUNCT
fsr-3513	512	7	and	and	CCONJ
fsr-3513	512	8	over	over	ADP
fsr-3513	512	9	indebtedness	indebtedness	NOUN
fsr-3513	512	10	.	.	PUNCT
fsr-3513	513	1	nber	nber	PROPN
fsr-3513	513	2	working	working	PROPN
fsr-3513	513	3	paper	paper	PROPN
fsr-3513	513	4	14808	14808	NUM
fsr-3513	513	5	,	,	PUNCT
fsr-3513	513	6	national	national	ADJ
fsr-3513	513	7	bureau	bureau	NOUN
fsr-3513	513	8	of	of	ADP
fsr-3513	513	9	economic	economic	ADJ
fsr-3513	513	10	research	research	NOUN
fsr-3513	513	11	,	,	PUNCT
fsr-3513	513	12	cambridge	cambridge	PROPN
fsr-3513	513	13	,	,	PUNCT
fsr-3513	513	14	ma	ma	PROPN
fsr-3513	513	15	.	.	PROPN
fsr-3513	513	16	retrieved	retrieve	VERB
fsr-3513	513	17	from	from	ADP
fsr-3513	513	18	:	:	PUNCT
fsr-3513	513	19	https://www.nber.org/papers/w14808	https://www.nber.org/papers/w14808	PROPN
fsr-3513	513	20	mcintosh	mcintosh	PROPN
fsr-3513	513	21	,	,	PUNCT
fsr-3513	513	22	k.	k.	PROPN
fsr-3513	513	23	,	,	PUNCT
fsr-3513	513	24	moss	moss	PROPN
fsr-3513	513	25	,	,	PUNCT
fsr-3513	513	26	e.	e.	PROPN
fsr-3513	513	27	,	,	PUNCT
fsr-3513	513	28	nunn	nunn	PROPN
fsr-3513	513	29	,	,	PUNCT
fsr-3513	513	30	r.	r.	PROPN
fsr-3513	513	31	,	,	PUNCT
fsr-3513	513	32	&	&	CCONJ
fsr-3513	513	33	shambough	shambough	PROPN
fsr-3513	513	34	j.	j.	PROPN
fsr-3513	513	35	(	(	PUNCT
fsr-3513	513	36	2020	2020	NUM
fsr-3513	513	37	)	)	PUNCT
fsr-3513	513	38	.	.	PUNCT
fsr-3513	514	1	examining	examine	VERB
fsr-3513	514	2	the	the	DET
fsr-3513	514	3	black	black	ADJ
fsr-3513	514	4	-	-	PUNCT
fsr-3513	514	5	white	white	ADJ
fsr-3513	514	6	wealth	wealth	NOUN
fsr-3513	514	7	gap	gap	NOUN
fsr-3513	514	8	.	.	PUNCT
fsr-3513	515	1	upfront	upfront	PROPN
fsr-3513	515	2	.	.	PUNCT
fsr-3513	516	1	brookings	brookings	PROPN
fsr-3513	516	2	,	,	PUNCT
fsr-3513	516	3	washington	washington	PROPN
fsr-3513	516	4	,	,	PUNCT
fsr-3513	516	5	d.c	d.c	PROPN
fsr-3513	516	6	.	.	PROPN
fsr-3513	516	7	retrieved	retrieve	VERB
fsr-3513	516	8	from	from	ADP
fsr-3513	516	9	:	:	PUNCT
fsr-3513	516	10	https://www.brookings.edu/blog/upfront/2020/02/27/examining-theblack-white-wealth-gap/	https://www.brookings.edu/blog/upfront/2020/02/27/examining-theblack-white-wealth-gap/	PROPN
fsr-3513	516	11	moore	moore	PROPN
fsr-3513	516	12	,	,	PUNCT
fsr-3513	516	13	d.	d.	PROPN
fsr-3513	516	14	l.	l.	PROPN
fsr-3513	516	15	(	(	PUNCT
fsr-3513	516	16	2003	2003	NUM
fsr-3513	516	17	)	)	PUNCT
fsr-3513	516	18	.	.	PUNCT
fsr-3513	517	1	survey	survey	NOUN
fsr-3513	517	2	of	of	ADP
fsr-3513	517	3	financial	financial	ADJ
fsr-3513	517	4	literacy	literacy	NOUN
fsr-3513	517	5	in	in	ADP
fsr-3513	517	6	washington	washington	PROPN
fsr-3513	517	7	state	state	PROPN
fsr-3513	517	8	:	:	PUNCT
fsr-3513	517	9	knowledge	knowledge	NOUN
fsr-3513	517	10	,	,	PUNCT
fsr-3513	517	11	behavior	behavior	NOUN
fsr-3513	517	12	,	,	PUNCT
fsr-3513	517	13	attitudes	attitude	NOUN
fsr-3513	517	14	,	,	PUNCT
fsr-3513	517	15	and	and	CCONJ
fsr-3513	517	16	experiences	experience	NOUN
fsr-3513	517	17	.	.	PUNCT
fsr-3513	518	1	washington	washington	PROPN
fsr-3513	518	2	state	state	PROPN
fsr-3513	518	3	department	department	PROPN
fsr-3513	518	4	of	of	ADP
fsr-3513	518	5	financial	financial	ADJ
fsr-3513	518	6	institutions	institution	NOUN
fsr-3513	518	7	.	.	PUNCT
fsr-3513	519	1	norvilitis	norvilitis	PROPN
fsr-3513	519	2	,	,	PUNCT
fsr-3513	519	3	j.	j.	PROPN
fsr-3513	519	4	m.	m.	PROPN
fsr-3513	519	5	,	,	PUNCT
fsr-3513	519	6	&	&	CCONJ
fsr-3513	519	7	maclean	maclean	PROPN
fsr-3513	519	8	,	,	PUNCT
fsr-3513	519	9	m.	m.	NOUN
fsr-3513	519	10	g.	g.	PROPN
fsr-3513	519	11	(	(	PUNCT
fsr-3513	519	12	2010	2010	NUM
fsr-3513	519	13	)	)	PUNCT
fsr-3513	519	14	.	.	PUNCT
fsr-3513	520	1	the	the	DET
fsr-3513	520	2	role	role	NOUN
fsr-3513	520	3	of	of	ADP
fsr-3513	520	4	parents	parent	NOUN
fsr-3513	520	5	in	in	ADP
fsr-3513	520	6	college	college	NOUN
fsr-3513	520	7	students	student	NOUN
fsr-3513	520	8	’	’	PART
fsr-3513	520	9	financial	financial	ADJ
fsr-3513	520	10	behaviors	behavior	NOUN
fsr-3513	520	11	and	and	CCONJ
fsr-3513	520	12	attitudes	attitude	NOUN
fsr-3513	520	13	.	.	PUNCT
fsr-3513	521	1	journal	journal	NOUN
fsr-3513	521	2	of	of	ADP
fsr-3513	521	3	economic	economic	ADJ
fsr-3513	521	4	psychology	psychology	NOUN
fsr-3513	521	5	,	,	PUNCT
fsr-3513	521	6	31	31	NUM
fsr-3513	521	7	,	,	PUNCT
fsr-3513	521	8	55–63	55–63	NUM
fsr-3513	521	9	.	.	PUNCT
fsr-3513	522	1	https://doi.org/10.1016/j.joep.2009.1	https://doi.org/10.1016/j.joep.2009.1	PRON
fsr-3513	522	2	0.003	0.003	NUM
fsr-3513	522	3	nunnally	nunnally	ADV
fsr-3513	522	4	,	,	PUNCT
fsr-3513	522	5	j.	j.	PROPN
fsr-3513	522	6	c.	c.	PROPN
fsr-3513	522	7	,	,	PUNCT
fsr-3513	522	8	&	&	CCONJ
fsr-3513	522	9	bernstein	bernstein	PROPN
fsr-3513	522	10	,	,	PUNCT
fsr-3513	522	11	i.	i.	PROPN
fsr-3513	522	12	h.	h.	PROPN
fsr-3513	522	13	(	(	PUNCT
fsr-3513	522	14	2007	2007	NUM
fsr-3513	522	15	)	)	PUNCT
fsr-3513	522	16	.	.	PUNCT
fsr-3513	523	1	psychometric	psychometric	ADJ
fsr-3513	523	2	theory	theory	NOUN
fsr-3513	523	3	(	(	PUNCT
fsr-3513	523	4	3rd	3rd	ADJ
fsr-3513	523	5	ed	ed	NOUN
fsr-3513	523	6	.	.	PUNCT
fsr-3513	523	7	)	)	PUNCT
fsr-3513	523	8	.	.	PUNCT
fsr-3513	524	1	nunnally	nunnally	PROPN
fsr-3513	524	2	and	and	CCONJ
fsr-3513	524	3	bernstein	bernstein	PROPN
fsr-3513	524	4	.	.	PUNCT
fsr-3513	525	1	pliner	pliner	PROPN
fsr-3513	525	2	,	,	PUNCT
fsr-3513	525	3	p.	p.	PROPN
fsr-3513	525	4	,	,	PUNCT
fsr-3513	525	5	freedman	freedman	PROPN
fsr-3513	525	6	,	,	PUNCT
fsr-3513	525	7	j.	j.	PROPN
fsr-3513	525	8	,	,	PUNCT
fsr-3513	525	9	abramovitch	abramovitch	PROPN
fsr-3513	525	10	,	,	PUNCT
fsr-3513	525	11	r.	r.	PROPN
fsr-3513	525	12	,	,	PUNCT
fsr-3513	525	13	&	&	CCONJ
fsr-3513	525	14	darke	darke	PROPN
fsr-3513	525	15	,	,	PUNCT
fsr-3513	525	16	p.	p.	NOUN
fsr-3513	525	17	(	(	PUNCT
fsr-3513	525	18	1996	1996	NUM
fsr-3513	525	19	)	)	PUNCT
fsr-3513	525	20	.	.	PUNCT
fsr-3513	526	1	children	child	NOUN
fsr-3513	526	2	as	as	ADP
fsr-3513	526	3	consumers	consumer	NOUN
fsr-3513	526	4	:	:	PUNCT
fsr-3513	526	5	in	in	ADP
fsr-3513	526	6	th	th	X
fsr-3513	526	7	e	e	NOUN
fsr-3513	526	8	laboratory	laboratory	NOUN
fsr-3513	526	9	and	and	CCONJ
fsr-3513	526	10	beyond	beyond	ADP
fsr-3513	526	11	.	.	PUNCT
fsr-3513	527	1	in	in	ADP
fsr-3513	527	2	p.	p.	PROPN
fsr-3513	527	3	lunt	lunt	PROPN
fsr-3513	527	4	&	&	CCONJ
fsr-3513	527	5	a.	a.	PROPN
fsr-3513	527	6	furnham	furnham	PROPN
fsr-3513	527	7	(	(	PUNCT
fsr-3513	527	8	eds	ed	NOUN
fsr-3513	527	9	.	.	PUNCT
fsr-3513	527	10	)	)	PUNCT
fsr-3513	527	11	,	,	PUNCT
fsr-3513	527	12	economic	economic	ADJ
fsr-3513	527	13	socialization	socialization	NOUN
fsr-3513	527	14	:	:	PUNCT
fsr-3513	527	15	the	the	DET
fsr-3513	527	16	economic	economic	ADJ
fsr-3513	527	17	beliefs	belief	NOUN
fsr-3513	527	18	and	and	CCONJ
fsr-3513	527	19	behaviors	behavior	NOUN
fsr-3513	527	20	of	of	ADP
fsr-3513	527	21	young	young	ADJ
fsr-3513	527	22	people	people	NOUN
fsr-3513	527	23	(	(	PUNCT
fsr-3513	527	24	pp	pp	ADJ
fsr-3513	527	25	.	.	PUNCT
fsr-3513	527	26	35–46	35–46	NUM
fsr-3513	527	27	)	)	PUNCT
fsr-3513	527	28	.	.	PUNCT
fsr-3513	528	1	edward	edward	PROPN
fsr-3513	528	2	elgar	elgar	PROPN
fsr-3513	528	3	.	.	PUNCT
fsr-3513	529	1	porto	porto	PROPN
fsr-3513	529	2	,	,	PUNCT
fsr-3513	529	3	n.	n.	NOUN
fsr-3513	529	4	,	,	PUNCT
fsr-3513	529	5	&	&	CCONJ
fsr-3513	529	6	xiao	xiao	PROPN
fsr-3513	529	7	,	,	PUNCT
fsr-3513	529	8	j.	j.	PROPN
fsr-3513	529	9	j.	j.	PROPN
fsr-3513	529	10	(	(	PUNCT
fsr-3513	529	11	2022	2022	NUM
fsr-3513	529	12	)	)	PUNCT
fsr-3513	529	13	.	.	PUNCT
fsr-3513	530	1	the	the	DET
fsr-3513	530	2	role	role	NOUN
fsr-3513	530	3	of	of	ADP
fsr-3513	530	4	consumer	consumer	NOUN
fsr-3513	530	5	financial	financial	ADJ
fsr-3513	530	6	confidence	confidence	NOUN
fsr-3513	530	7	on	on	ADP
fsr-3513	530	8	financial	financial	ADJ
fsr-3513	530	9	well	well	NOUN
fsr-3513	530	10	-	-	PUNCT
fsr-3513	530	11	being	being	NOUN
fsr-3513	530	12	.	.	PUNCT
fsr-3513	531	1	consumer	consumer	NOUN
fsr-3513	531	2	interest	interest	NOUN
fsr-3513	531	3	annual	annual	ADJ
fsr-3513	531	4	.	.	PUNCT
fsr-3513	532	1	american	american	PROPN
fsr-3513	532	2	council	council	PROPN
fsr-3513	532	3	of	of	ADP
fsr-3513	532	4	consumer	consumer	NOUN
fsr-3513	532	5	interest	interest	NOUN
fsr-3513	532	6	,	,	PUNCT
fsr-3513	532	7	68(1	68(1	NOUN
fsr-3513	532	8	)	)	PUNCT
fsr-3513	532	9	,	,	PUNCT
fsr-3513	532	10	1–5	1–5	X
fsr-3513	532	11	.	.	PUNCT
fsr-3513	533	1	https://www.consumerinterests.org/a	https://www.consumerinterests.org/a	ADP
fsr-3513	533	2	ssets	sset	NOUN
fsr-3513	533	3	/	/	SYM
fsr-3513	533	4	docs	doc	NOUN
fsr-3513	533	5	/	/	SYM
fsr-3513	533	6	cia	cia	PROPN
fsr-3513	533	7	/	/	SYM
fsr-3513	533	8	cia2022	cia2022	NOUN
fsr-3513	533	9	/	/	SYM
fsr-3513	533	10	portonilto	portonilto	NOUN
fsr-3513	533	11	ncia2022.pdf	ncia2022.pdf	PROPN
fsr-3513	533	12	rettig	rettig	PROPN
fsr-3513	533	13	,	,	PUNCT
fsr-3513	533	14	k.	k.	PROPN
fsr-3513	533	15	d.	d.	PROPN
fsr-3513	533	16	,	,	PUNCT
fsr-3513	533	17	&	&	CCONJ
fsr-3513	533	18	mortenson	mortenson	PROPN
fsr-3513	533	19	,	,	PUNCT
fsr-3513	533	20	m.	m.	NOUN
fsr-3513	533	21	(	(	PUNCT
fsr-3513	533	22	1986	1986	NUM
fsr-3513	533	23	)	)	PUNCT
fsr-3513	533	24	.	.	PUNCT
fsr-3513	534	1	household	household	NOUN
fsr-3513	534	2	production	production	NOUN
fsr-3513	534	3	of	of	ADP
fsr-3513	534	4	financial	financial	ADJ
fsr-3513	534	5	https://doi.org/10.1016/j.jmoneco.2006.12.001	https://doi.org/10.1016/j.jmoneco.2006.12.001	PROPN
fsr-3513	534	6	https://doi.org/10.1016/j.jmoneco.2006.12.001	https://doi.org/10.1016/j.jmoneco.2006.12.001	X
fsr-3513	534	7	https://www.brookings.edu/blog/up-front/2020/02/27/examining-the-black-white-wealth-gap/	https://www.brookings.edu/blog/up-front/2020/02/27/examining-the-black-white-wealth-gap/	NOUN
fsr-3513	534	8	https://www.brookings.edu/blog/up-front/2020/02/27/examining-the-black-white-wealth-gap/	https://www.brookings.edu/blog/up-front/2020/02/27/examining-the-black-white-wealth-gap/	NOUN
fsr-3513	534	9	https://www.brookings.edu/blog/up-front/2020/02/27/examining-the-black-white-wealth-gap/	https://www.brookings.edu/blog/up-front/2020/02/27/examining-the-black-white-wealth-gap/	NOUN
fsr-3513	534	10	https://www.consumerinterests.org/assets/docs/cia/cia2022/portoniltoncia2022.pdf	https://www.consumerinterests.org/assets/docs/cia/cia2022/portoniltoncia2022.pdf	PROPN
fsr-3513	534	11	https://www.consumerinterests.org/assets/docs/cia/cia2022/portoniltoncia2022.pdf	https://www.consumerinterests.org/assets/docs/cia/cia2022/portoniltoncia2022.pdf	PROPN
fsr-3513	534	12	https://www.consumerinterests.org/assets/docs/cia/cia2022/portoniltoncia2022.pdf	https://www.consumerinterests.org/assets/docs/cia/cia2022/portoniltoncia2022.pdf	PROPN
fsr-3513	534	13	young	young	ADJ
fsr-3513	534	14	et	et	PROPN
fsr-3513	534	15	al	al	PROPN
fsr-3513	534	16	.	.	PROPN
fsr-3513	534	17	75	75	NUM
fsr-3513	534	18	management	management	NOUN
fsr-3513	534	19	competence	competence	NOUN
fsr-3513	534	20	.	.	PUNCT
fsr-3513	535	1	human	human	ADJ
fsr-3513	535	2	resources	resource	NOUN
fsr-3513	535	3	research	research	NOUN
fsr-3513	535	4	,	,	PUNCT
fsr-3513	535	5	1887	1887	NUM
fsr-3513	535	6	-	-	SYM
fsr-3513	535	7	1987	1987	NUM
fsr-3513	535	8	:	:	PUNCT
fsr-3513	535	9	proceedings	proceeding	NOUN
fsr-3513	535	10	/	/	PUNCT
fsr-3513	535	11	edited	edit	VERB
fsr-3513	535	12	by	by	ADP
fsr-3513	535	13	ruth	ruth	PROPN
fsr-3513	535	14	e.	e.	PROPN
fsr-3513	535	15	deacon	deacon	PROPN
fsr-3513	535	16	and	and	CCONJ
fsr-3513	535	17	wallace	wallace	PROPN
fsr-3513	535	18	e.	e.	PROPN
fsr-3513	535	19	huffman	huffman	PROPN
fsr-3513	535	20	.	.	PUNCT
fsr-3513	536	1	ringle	ringle	PROPN
fsr-3513	536	2	,	,	PUNCT
fsr-3513	536	3	c.	c.	PROPN
fsr-3513	536	4	m.	m.	NOUN
fsr-3513	536	5	(	(	PUNCT
fsr-3513	536	6	2015	2015	NUM
fsr-3513	536	7	)	)	PUNCT
fsr-3513	536	8	.	.	PUNCT
fsr-3513	537	1	partial	partial	ADJ
fsr-3513	537	2	least	least	ADJ
fsr-3513	537	3	squares	square	VERB
fsr-3513	537	4	structural	structural	ADJ
fsr-3513	537	5	equation	equation	NOUN
fsr-3513	537	6	modelling	modelling	NOUN
fsr-3513	537	7	(	(	PUNCT
fsr-3513	537	8	plssem	plssem	NOUN
fsr-3513	537	9	)	)	PUNCT
fsr-3513	537	10	using	use	VERB
fsr-3513	537	11	smartpls	smartpls	NOUN
fsr-3513	537	12	3	3	NUM
fsr-3513	537	13	.	.	PUNCT
fsr-3513	537	14	computational	computational	ADJ
fsr-3513	537	15	data	datum	NOUN
fsr-3513	537	16	analysis	analysis	NOUN
fsr-3513	537	17	and	and	CCONJ
fsr-3513	537	18	numerical	numerical	ADJ
fsr-3513	537	19	methods	method	NOUN
fsr-3513	537	20	vii	vii	PROPN
fsr-3513	537	21	wcdanm	wcdanm	PROPN
fsr-3513	537	22	,	,	PUNCT
fsr-3513	537	23	portugal	portugal	PROPN
fsr-3513	537	24	.	.	PUNCT
fsr-3513	538	1	ringle	ringle	PROPN
fsr-3513	538	2	,	,	PUNCT
fsr-3513	538	3	c.	c.	PROPN
fsr-3513	538	4	m.	m.	NOUN
fsr-3513	538	5	,	,	PUNCT
fsr-3513	538	6	sarstedt	sarstedt	NOUN
fsr-3513	538	7	,	,	PUNCT
fsr-3513	538	8	m.	m.	NOUN
fsr-3513	538	9	,	,	PUNCT
fsr-3513	538	10	mitchell	mitchell	PROPN
fsr-3513	538	11	,	,	PUNCT
fsr-3513	538	12	r.	r.	PROPN
fsr-3513	538	13	,	,	PUNCT
fsr-3513	538	14	&	&	CCONJ
fsr-3513	538	15	gudergan	gudergan	PROPN
fsr-3513	538	16	,	,	PUNCT
fsr-3513	538	17	s.	s.	PROPN
fsr-3513	538	18	p.	p.	PROPN
fsr-3513	538	19	(	(	PUNCT
fsr-3513	538	20	2018	2018	NUM
fsr-3513	538	21	)	)	PUNCT
fsr-3513	538	22	.	.	PUNCT
fsr-3513	539	1	partial	partial	ADJ
fsr-3513	539	2	least	least	ADJ
fsr-3513	539	3	squares	square	VERB
fsr-3513	539	4	structural	structural	ADJ
fsr-3513	539	5	equation	equation	NOUN
fsr-3513	539	6	modeling	modeling	NOUN
fsr-3513	539	7	in	in	ADP
fsr-3513	539	8	hrm	hrm	PROPN
fsr-3513	539	9	research	research	NOUN
fsr-3513	539	10	.	.	PUNCT
fsr-3513	540	1	the	the	DET
fsr-3513	540	2	international	international	ADJ
fsr-3513	540	3	journal	journal	NOUN
fsr-3513	540	4	of	of	ADP
fsr-3513	540	5	human	human	ADJ
fsr-3513	540	6	resource	resource	NOUN
fsr-3513	540	7	management	management	NOUN
fsr-3513	540	8	,	,	PUNCT
fsr-3513	540	9	31(12	31(12	NUM
fsr-3513	540	10	)	)	PUNCT
fsr-3513	540	11	,	,	PUNCT
fsr-3513	540	12	1617–1643	1617–1643	NUM
fsr-3513	540	13	.	.	PUNCT
fsr-3513	541	1	https://doi.org/10.1080/09585192.20	https://doi.org/10.1080/09585192.20	PROPN
fsr-3513	541	2	17.1416655	17.1416655	NUM
fsr-3513	541	3	sansone	sansone	PROPN
fsr-3513	541	4	,	,	PUNCT
fsr-3513	541	5	d.	d.	PROPN
fsr-3513	541	6	,	,	PUNCT
fsr-3513	541	7	rossi	rossi	ADJ
fsr-3513	541	8	,	,	PUNCT
fsr-3513	541	9	m.	m.	NOUN
fsr-3513	541	10	,	,	PUNCT
fsr-3513	541	11	&	&	CCONJ
fsr-3513	541	12	fornero	fornero	PROPN
fsr-3513	541	13	,	,	PUNCT
fsr-3513	541	14	e.	e.	PROPN
fsr-3513	541	15	(	(	PUNCT
fsr-3513	541	16	2018	2018	NUM
fsr-3513	541	17	)	)	PUNCT
fsr-3513	541	18	.	.	PUNCT
fsr-3513	542	1	four	four	NUM
fsr-3513	542	2	bright	bright	ADJ
fsr-3513	542	3	coins	coin	NOUN
fsr-3513	542	4	shining	shine	VERB
fsr-3513	542	5	at	at	ADP
fsr-3513	542	6	me	i	PRON
fsr-3513	542	7	:	:	PUNCT
fsr-3513	542	8	financial	financial	ADJ
fsr-3513	542	9	education	education	NOUN
fsr-3513	542	10	in	in	ADP
fsr-3513	542	11	childhood	childhood	NOUN
fsr-3513	542	12	,	,	PUNCT
fsr-3513	542	13	financial	financial	ADJ
fsr-3513	542	14	confidence	confidence	NOUN
fsr-3513	542	15	in	in	ADP
fsr-3513	542	16	adulthood	adulthood	NOUN
fsr-3513	542	17	.	.	PUNCT
fsr-3513	543	1	journal	journal	PROPN
fsr-3513	543	2	of	of	ADP
fsr-3513	543	3	consumer	consumer	NOUN
fsr-3513	543	4	affairs	affair	NOUN
fsr-3513	543	5	,	,	PUNCT
fsr-3513	543	6	53(2	53(2	NUM
fsr-3513	543	7	)	)	PUNCT
fsr-3513	543	8	,	,	PUNCT
fsr-3513	543	9	630–651	630–651	NUM
fsr-3513	543	10	.	.	PUNCT
fsr-3513	544	1	https://doi.org/10.1111/joca.12207	https://doi.org/10.1111/joca.12207	NOUN
fsr-3513	544	2	serido	serido	VERB
fsr-3513	544	3	,	,	PUNCT
fsr-3513	544	4	j.	j.	PROPN
fsr-3513	544	5	,	,	PUNCT
fsr-3513	544	6	&	&	CCONJ
fsr-3513	544	7	deenanath	deenanath	PROPN
fsr-3513	544	8	,	,	PUNCT
fsr-3513	544	9	v.	v.	PROPN
fsr-3513	544	10	(	(	PUNCT
fsr-3513	544	11	2016	2016	NUM
fsr-3513	544	12	)	)	PUNCT
fsr-3513	544	13	.	.	PUNCT
fsr-3513	545	1	financial	financial	ADJ
fsr-3513	545	2	parenting	parenting	NOUN
fsr-3513	545	3	:	:	PUNCT
fsr-3513	545	4	promoting	promote	VERB
fsr-3513	545	5	financial	financial	ADJ
fsr-3513	545	6	selfreliance	selfreliance	NOUN
fsr-3513	545	7	of	of	ADP
fsr-3513	545	8	young	young	ADJ
fsr-3513	545	9	consumers	consumer	NOUN
fsr-3513	545	10	.	.	PUNCT
fsr-3513	546	1	in	in	ADP
fsr-3513	546	2	j.	j.	PROPN
fsr-3513	546	3	j.	j.	PROPN
fsr-3513	546	4	xiao	xiao	PROPN
fsr-3513	546	5	(	(	PUNCT
fsr-3513	546	6	ed	ed	NOUN
fsr-3513	546	7	.	.	PUNCT
fsr-3513	546	8	)	)	PUNCT
fsr-3513	546	9	,	,	PUNCT
fsr-3513	546	10	handbook	handbook	NOUN
fsr-3513	546	11	of	of	ADP
fsr-3513	546	12	consumer	consumer	NOUN
fsr-3513	546	13	finance	finance	NOUN
fsr-3513	546	14	research	research	NOUN
fsr-3513	546	15	(	(	PUNCT
fsr-3513	546	16	2nd	2nd	ADJ
fsr-3513	546	17	ed	ed	NOUN
fsr-3513	546	18	.	.	PUNCT
fsr-3513	546	19	)	)	PUNCT
fsr-3513	547	1	(	(	PUNCT
fsr-3513	547	2	pp	pp	X
fsr-3513	547	3	.	.	PUNCT
fsr-3513	547	4	291	291	NUM
fsr-3513	547	5	–	–	PUNCT
fsr-3513	547	6	300	300	NUM
fsr-3513	547	7	)	)	PUNCT
fsr-3513	547	8	.	.	PUNCT
fsr-3513	548	1	springer	springer	NOUN
fsr-3513	548	2	.	.	PUNCT
fsr-3513	549	1	shim	shim	NOUN
fsr-3513	549	2	,	,	PUNCT
fsr-3513	549	3	s.	s.	PROPN
fsr-3513	549	4	,	,	PUNCT
fsr-3513	549	5	&	&	CCONJ
fsr-3513	549	6	serido	serido	PRON
fsr-3513	549	7	,	,	PUNCT
fsr-3513	549	8	j.	j.	PROPN
fsr-3513	549	9	(	(	PUNCT
fsr-3513	549	10	2011	2011	NUM
fsr-3513	549	11	)	)	PUNCT
fsr-3513	549	12	.	.	PUNCT
fsr-3513	550	1	young	young	ADJ
fsr-3513	550	2	adults	adult	NOUN
fsr-3513	550	3	’	'	PUNCT
fsr-3513	550	4	financial	financial	ADJ
fsr-3513	550	5	capability	capability	NOUN
fsr-3513	550	6	https://www.nefe.org/_images/resear	https://www.nefe.org/_images/resear	NOUN
fsr-3513	550	7	ch	ch	NOUN
fsr-3513	550	8	/	/	SYM
fsr-3513	550	9	aplus	aplus	ADJ
fsr-3513	550	10	-	-	PUNCT
fsr-3513	550	11	wave-2	wave-2	ADV
fsr-3513	550	12	/	/	SYM
fsr-3513	550	13	aplus	aplus	ADJ
fsr-3513	550	14	-	-	PUNCT
fsr-3513	550	15	wave2	wave2	NOUN
fsr-3513	550	16	-	-	PUNCT
fsr-3513	550	17	final	final	ADJ
fsr-3513	550	18	-	-	PUNCT
fsr-3513	550	19	report.pdf	report.pdf	NOUN
fsr-3513	550	20	(	(	PUNCT
fsr-3513	550	21	accessed	access	VERB
fsr-3513	550	22	9	9	NUM
fsr-3513	550	23	march	march	NOUN
fsr-3513	550	24	2020	2020	NUM
fsr-3513	550	25	)	)	PUNCT
fsr-3513	550	26	.	.	PUNCT
fsr-3513	551	1	shim	shim	NOUN
fsr-3513	551	2	,	,	PUNCT
fsr-3513	551	3	s.	s.	PROPN
fsr-3513	551	4	,	,	PUNCT
fsr-3513	551	5	xiao	xiao	PROPN
fsr-3513	551	6	,	,	PUNCT
fsr-3513	551	7	j.	j.	PROPN
fsr-3513	551	8	j.	j.	PROPN
fsr-3513	551	9	,	,	PUNCT
fsr-3513	551	10	barber	barber	PROPN
fsr-3513	551	11	,	,	PUNCT
fsr-3513	551	12	b.	b.	PROPN
fsr-3513	551	13	l.	l.	PROPN
fsr-3513	551	14	,	,	PUNCT
fsr-3513	551	15	&	&	CCONJ
fsr-3513	551	16	lyons	lyons	PROPN
fsr-3513	551	17	,	,	PUNCT
fsr-3513	551	18	a.	a.	NOUN
fsr-3513	551	19	c.	c.	PROPN
fsr-3513	551	20	(	(	PUNCT
fsr-3513	551	21	2009	2009	NUM
fsr-3513	551	22	)	)	PUNCT
fsr-3513	551	23	.	.	PUNCT
fsr-3513	552	1	pathways	pathway	NOUN
fsr-3513	552	2	to	to	ADP
fsr-3513	552	3	life	life	NOUN
fsr-3513	552	4	success	success	NOUN
fsr-3513	552	5	:	:	PUNCT
fsr-3513	552	6	a	a	DET
fsr-3513	552	7	conceptual	conceptual	ADJ
fsr-3513	552	8	model	model	NOUN
fsr-3513	552	9	of	of	ADP
fsr-3513	552	10	financial	financial	ADJ
fsr-3513	552	11	well	well	NOUN
fsr-3513	552	12	-	-	PUNCT
fsr-3513	552	13	being	being	NOUN
fsr-3513	552	14	for	for	ADP
fsr-3513	552	15	young	young	ADJ
fsr-3513	552	16	adults	adult	NOUN
fsr-3513	552	17	.	.	PUNCT
fsr-3513	553	1	journal	journal	NOUN
fsr-3513	553	2	of	of	ADP
fsr-3513	553	3	applied	apply	VERB
fsr-3513	553	4	developmental	developmental	ADJ
fsr-3513	553	5	psychology	psychology	NOUN
fsr-3513	553	6	,	,	PUNCT
fsr-3513	553	7	30(6	30(6	NUM
fsr-3513	553	8	)	)	PUNCT
fsr-3513	553	9	,	,	PUNCT
fsr-3513	553	10	708–723	708–723	NUM
fsr-3513	553	11	.	.	PUNCT
fsr-3513	554	1	https://doi.org/10.1016/j.appdev.200	https://doi.org/10.1016/j.appdev.200	PROPN
fsr-3513	554	2	9.02.003	9.02.003	PROPN
fsr-3513	554	3	stango	stango	PROPN
fsr-3513	554	4	,	,	PUNCT
fsr-3513	554	5	v.	v.	PROPN
fsr-3513	554	6	,	,	PUNCT
fsr-3513	554	7	&	&	CCONJ
fsr-3513	554	8	zinman	zinman	PROPN
fsr-3513	554	9	,	,	PUNCT
fsr-3513	554	10	j.	j.	PROPN
fsr-3513	554	11	(	(	PUNCT
fsr-3513	554	12	2007	2007	NUM
fsr-3513	554	13	)	)	PUNCT
fsr-3513	554	14	.	.	PUNCT
fsr-3513	555	1	fuzzy	fuzzy	ADJ
fsr-3513	555	2	math	math	NOUN
fsr-3513	555	3	and	and	CCONJ
fsr-3513	555	4	red	red	ADJ
fsr-3513	555	5	ink	ink	NOUN
fsr-3513	555	6	:	:	PUNCT
fsr-3513	555	7	when	when	SCONJ
fsr-3513	555	8	the	the	DET
fsr-3513	555	9	opportunity	opportunity	NOUN
fsr-3513	555	10	cost	cost	NOUN
fsr-3513	555	11	of	of	ADP
fsr-3513	555	12	consumption	consumption	NOUN
fsr-3513	555	13	is	be	AUX
fsr-3513	555	14	not	not	PART
fsr-3513	555	15	what	what	PRON
fsr-3513	555	16	it	it	PRON
fsr-3513	555	17	seems	seem	VERB
fsr-3513	555	18	.	.	PUNCT
fsr-3513	556	1	working	work	VERB
fsr-3513	556	2	paper	paper	NOUN
fsr-3513	556	3	,	,	PUNCT
fsr-3513	556	4	dartmouth	dartmouth	PROPN
fsr-3513	556	5	college	college	PROPN
fsr-3513	556	6	.	.	PUNCT
fsr-3513	557	1	strömbäck	strömbäck	PROPN
fsr-3513	557	2	,	,	PUNCT
fsr-3513	557	3	c.	c.	PROPN
fsr-3513	557	4	,	,	PUNCT
fsr-3513	557	5	lind	lind	PROPN
fsr-3513	557	6	,	,	PUNCT
fsr-3513	557	7	t.	t.	PROPN
fsr-3513	557	8	,	,	PUNCT
fsr-3513	557	9	skagerlund	skagerlund	PROPN
fsr-3513	557	10	,	,	PUNCT
fsr-3513	557	11	k.	k.	PROPN
fsr-3513	557	12	,	,	PUNCT
fsr-3513	557	13	vastfjail	vastfjail	NOUN
fsr-3513	557	14	,	,	PUNCT
fsr-3513	557	15	d.	d.	PROPN
fsr-3513	557	16	,	,	PUNCT
fsr-3513	557	17	&	&	CCONJ
fsr-3513	557	18	tanghog	tanghog	PROPN
fsr-3513	557	19	,	,	PUNCT
fsr-3513	557	20	g.	g.	PROPN
fsr-3513	557	21	(	(	PUNCT
fsr-3513	557	22	2017	2017	NUM
fsr-3513	557	23	)	)	PUNCT
fsr-3513	557	24	.	.	PUNCT
fsr-3513	558	1	does	do	AUX
fsr-3513	558	2	self	self	NOUN
fsr-3513	558	3	-	-	PUNCT
fsr-3513	558	4	control	control	NOUN
fsr-3513	558	5	predict	predict	VERB
fsr-3513	558	6	financial	financial	ADJ
fsr-3513	558	7	behavior	behavior	NOUN
fsr-3513	558	8	and	and	CCONJ
fsr-3513	558	9	financial	financial	ADJ
fsr-3513	558	10	well	well	NOUN
fsr-3513	558	11	-	-	PUNCT
fsr-3513	558	12	being	being	NOUN
fsr-3513	558	13	?	?	PUNCT
fsr-3513	559	1	journal	journal	NOUN
fsr-3513	559	2	of	of	ADP
fsr-3513	559	3	behavioral	behavioral	ADJ
fsr-3513	559	4	and	and	CCONJ
fsr-3513	559	5	experimental	experimental	ADJ
fsr-3513	559	6	finance	finance	NOUN
fsr-3513	559	7	.	.	PUNCT
fsr-3513	559	8	,	,	PUNCT
fsr-3513	559	9	14(1	14(1	NUM
fsr-3513	559	10	)	)	PUNCT
fsr-3513	559	11	,	,	PUNCT
fsr-3513	559	12	30–38	30–38	NUM
fsr-3513	559	13	.	.	PUNCT
fsr-3513	560	1	https://doi.org/10.1016/j.jbef.2017.0	https://doi.org/10.1016/j.jbef.2017.0	NUM
fsr-3513	560	2	4.002	4.002	NUM
fsr-3513	560	3	sun	sun	NOUN
fsr-3513	560	4	,	,	PUNCT
fsr-3513	560	5	s.	s.	PROPN
fsr-3513	560	6	,	,	PUNCT
fsr-3513	560	7	chen	chen	PROPN
fsr-3513	560	8	,	,	PUNCT
fsr-3513	560	9	y.	y.	PROPN
fsr-3513	560	10	,	,	PUNCT
fsr-3513	560	11	ansong	ansong	PROPN
fsr-3513	560	12	,	,	PUNCT
fsr-3513	560	13	d.	d.	PROPN
fsr-3513	560	14	,	,	PUNCT
fsr-3513	560	15	huang	huang	PROPN
fsr-3513	560	16	,	,	PUNCT
fsr-3513	560	17	j.	j.	PROPN
fsr-3513	560	18	,	,	PUNCT
fsr-3513	560	19	&	&	CCONJ
fsr-3513	560	20	sherraden	sherraden	PROPN
fsr-3513	560	21	,	,	PUNCT
fsr-3513	560	22	m.	m.	NOUN
fsr-3513	560	23	s.	s.	PROPN
fsr-3513	560	24	(	(	PUNCT
fsr-3513	560	25	2022	2022	NUM
fsr-3513	560	26	)	)	PUNCT
fsr-3513	560	27	.	.	PUNCT
fsr-3513	561	1	household	household	NOUN
fsr-3513	561	2	financial	financial	ADJ
fsr-3513	561	3	capability	capability	NOUN
fsr-3513	561	4	and	and	CCONJ
fsr-3513	561	5	economic	economic	ADJ
fsr-3513	561	6	hardship	hardship	NOUN
fsr-3513	561	7	:	:	PUNCT
fsr-3513	561	8	an	an	DET
fsr-3513	561	9	empirical	empirical	ADJ
fsr-3513	561	10	examination	examination	NOUN
fsr-3513	561	11	of	of	ADP
fsr-3513	561	12	the	the	DET
fsr-3513	561	13	financial	financial	ADJ
fsr-3513	561	14	capability	capability	NOUN
fsr-3513	561	15	framework	framework	NOUN
fsr-3513	561	16	.	.	PUNCT
fsr-3513	562	1	journal	journal	NOUN
fsr-3513	562	2	of	of	ADP
fsr-3513	562	3	family	family	NOUN
fsr-3513	562	4	and	and	CCONJ
fsr-3513	562	5	economic	economic	ADJ
fsr-3513	562	6	issues	issue	NOUN
fsr-3513	562	7	,	,	PUNCT
fsr-3513	562	8	43(4	43(4	NOUN
fsr-3513	562	9	)	)	PUNCT
fsr-3513	562	10	,	,	PUNCT
fsr-3513	562	11	716–729	716–729	NUM
fsr-3513	562	12	.	.	PUNCT
fsr-3513	563	1	https://doi.org/10.1007/s10834-02209816-5	https://doi.org/10.1007/s10834-02209816-5	PROPN
fsr-3513	563	2	sundarasen	sundarasen	PROPN
fsr-3513	563	3	,	,	PUNCT
fsr-3513	563	4	s.	s.	PROPN
fsr-3513	563	5	d.	d.	PROPN
fsr-3513	563	6	d.	d.	PROPN
fsr-3513	563	7	,	,	PUNCT
fsr-3513	563	8	rahman	rahman	PROPN
fsr-3513	563	9	,	,	PUNCT
fsr-3513	563	10	m.	m.	NOUN
fsr-3513	563	11	s.	s.	PROPN
fsr-3513	563	12	,	,	PUNCT
fsr-3513	563	13	othman	othman	PROPN
fsr-3513	563	14	,	,	PUNCT
fsr-3513	563	15	n.	n.	PROPN
fsr-3513	563	16	s.	s.	PROPN
fsr-3513	563	17	,	,	PUNCT
fsr-3513	563	18	&	&	CCONJ
fsr-3513	563	19	danaraj	danaraj	PROPN
fsr-3513	563	20	,	,	PUNCT
fsr-3513	563	21	j.	j.	PROPN
fsr-3513	563	22	(	(	PUNCT
fsr-3513	563	23	2016	2016	NUM
fsr-3513	563	24	)	)	PUNCT
fsr-3513	563	25	.	.	PUNCT
fsr-3513	564	1	impact	impact	NOUN
fsr-3513	564	2	of	of	ADP
fsr-3513	564	3	financial	financial	ADJ
fsr-3513	564	4	literacy	literacy	NOUN
fsr-3513	564	5	,	,	PUNCT
fsr-3513	564	6	financial	financial	ADJ
fsr-3513	564	7	socialization	socialization	NOUN
fsr-3513	564	8	agents	agent	NOUN
fsr-3513	564	9	,	,	PUNCT
fsr-3513	564	10	and	and	CCONJ
fsr-3513	564	11	parental	parental	ADJ
fsr-3513	564	12	norms	norm	NOUN
fsr-3513	564	13	on	on	ADP
fsr-3513	564	14	money	money	NOUN
fsr-3513	564	15	management	management	NOUN
fsr-3513	564	16	.	.	PUNCT
fsr-3513	565	1	journal	journal	PROPN
fsr-3513	565	2	of	of	ADP
fsr-3513	565	3	business	business	NOUN
fsr-3513	565	4	studies	study	NOUN
fsr-3513	565	5	quarterly	quarterly	ADV
fsr-3513	565	6	,	,	PUNCT
fsr-3513	565	7	8(1	8(1	NOUN
fsr-3513	565	8	)	)	PUNCT
fsr-3513	565	9	,	,	PUNCT
fsr-3513	565	10	137	137	NUM
fsr-3513	565	11	.	.	PUNCT
fsr-3513	566	1	https://doi.org/10.35484/pssr.2020(4i)56	https://doi.org/10.35484/pssr.2020(4i)56	PROPN
fsr-3513	566	2	tang	tang	PROPN
fsr-3513	566	3	,	,	PUNCT
fsr-3513	566	4	n.	n.	NOUN
fsr-3513	566	5	,	,	PUNCT
fsr-3513	566	6	baker	baker	PROPN
fsr-3513	566	7	,	,	PUNCT
fsr-3513	566	8	a.	a.	PROPN
fsr-3513	566	9	,	,	PUNCT
fsr-3513	566	10	&	&	CCONJ
fsr-3513	566	11	peter	peter	PROPN
fsr-3513	566	12	,	,	PUNCT
fsr-3513	566	13	p.	p.	PROPN
fsr-3513	566	14	c.	c.	PROPN
fsr-3513	566	15	(	(	PUNCT
fsr-3513	566	16	2015	2015	NUM
fsr-3513	566	17	)	)	PUNCT
fsr-3513	566	18	.	.	PUNCT
fsr-3513	567	1	investigating	investigate	VERB
fsr-3513	567	2	the	the	DET
fsr-3513	567	3	disconnect	disconnect	NOUN
fsr-3513	567	4	between	between	ADP
fsr-3513	567	5	financial	financial	ADJ
fsr-3513	567	6	knowledge	knowledge	NOUN
fsr-3513	567	7	and	and	CCONJ
fsr-3513	567	8	behavior	behavior	NOUN
fsr-3513	567	9	:	:	PUNCT
fsr-3513	567	10	the	the	DET
fsr-3513	567	11	role	role	NOUN
fsr-3513	567	12	of	of	ADP
fsr-3513	567	13	parental	parental	ADJ
fsr-3513	567	14	influence	influence	NOUN
fsr-3513	567	15	and	and	CCONJ
fsr-3513	567	16	psychological	psychological	ADJ
fsr-3513	567	17	characteristics	characteristic	NOUN
fsr-3513	567	18	in	in	ADP
fsr-3513	567	19	responsible	responsible	ADJ
fsr-3513	567	20	financial	financial	ADJ
fsr-3513	567	21	behaviors	behavior	NOUN
fsr-3513	567	22	among	among	ADP
fsr-3513	567	23	young	young	ADJ
fsr-3513	567	24	adults	adult	NOUN
fsr-3513	567	25	.	.	PUNCT
fsr-3513	568	1	the	the	DET
fsr-3513	568	2	journal	journal	NOUN
fsr-3513	568	3	of	of	ADP
fsr-3513	568	4	consumer	consumer	NOUN
fsr-3513	568	5	affairs	affair	NOUN
fsr-3513	568	6	,	,	PUNCT
fsr-3513	568	7	49(2	49(2	NUM
fsr-3513	568	8	)	)	PUNCT
fsr-3513	568	9	,	,	PUNCT
fsr-3513	568	10	376	376	NUM
fsr-3513	568	11	.	.	PUNCT
fsr-3513	569	1	https://doi.org/10.1111/joca.12069	https://doi.org/10.1111/joca.12069	PROPN
fsr-3513	569	2	tatom	tatom	NOUN
fsr-3513	569	3	,	,	PUNCT
fsr-3513	569	4	j.	j.	PROPN
fsr-3513	569	5	(	(	PUNCT
fsr-3513	569	6	2010	2010	NUM
fsr-3513	569	7	)	)	PUNCT
fsr-3513	569	8	.	.	PUNCT
fsr-3513	570	1	financial	financial	ADJ
fsr-3513	570	2	wellbeing	wellbeing	NOUN
fsr-3513	570	3	and	and	CCONJ
fsr-3513	570	4	some	some	DET
fsr-3513	570	5	problems	problem	NOUN
fsr-3513	570	6	in	in	ADP
fsr-3513	570	7	assessing	assess	VERB
fsr-3513	570	8	its	its	PRON
fsr-3513	570	9	link	link	NOUN
fsr-3513	570	10	to	to	ADP
fsr-3513	570	11	https://doi.org/10.1080/09585192.2017.1416655	https://doi.org/10.1080/09585192.2017.1416655	PROPN
fsr-3513	570	12	https://doi.org/10.1080/09585192.2017.1416655	https://doi.org/10.1080/09585192.2017.1416655	PROPN
fsr-3513	571	1	https://doi.org/10.1016/j.appdev.2009.02.003	https://doi.org/10.1016/j.appdev.2009.02.003	PROPN
fsr-3513	571	2	https://doi.org/10.1016/j.appdev.2009.02.003	https://doi.org/10.1016/j.appdev.2009.02.003	PROPN
fsr-3513	571	3	https://doi.org/10.1111/joca.12069	https://doi.org/10.1111/joca.12069	PROPN
fsr-3513	571	4	financial	financial	PROPN
fsr-3513	571	5	services	service	NOUN
fsr-3513	571	6	review	review	NOUN
fsr-3513	571	7	,	,	PUNCT
fsr-3513	571	8	32(2	32(2	NUM
fsr-3513	571	9	)	)	PUNCT
fsr-3513	571	10	76	76	NUM
fsr-3513	571	11	financial	financial	ADJ
fsr-3513	571	12	education	education	NOUN
fsr-3513	571	13	.	.	PUNCT
fsr-3513	572	1	john	john	PROPN
fsr-3513	572	2	tatom	tatom	PROPN
fsr-3513	572	3	networks	networks	PROPN
fsr-3513	572	4	financial	financial	PROPN
fsr-3513	572	5	institute	institute	PROPN
fsr-3513	572	6	at	at	ADP
fsr-3513	572	7	indiana	indiana	PROPN
fsr-3513	572	8	state	state	PROPN
fsr-3513	572	9	university	university	PROPN
fsr-3513	572	10	1	1	NUM
fsr-3513	572	11	october	october	PROPN
fsr-3513	572	12	2010	2010	NUM
fsr-3513	572	13	.	.	PUNCT
fsr-3513	573	1	retrieved	retrieve	VERB
fsr-3513	573	2	from	from	ADP
fsr-3513	573	3	:	:	PUNCT
fsr-3513	573	4	https://mpra.ub.unimuenchen.de/26411/1/mpra_paper	https://mpra.ub.unimuenchen.de/26411/1/mpra_paper	X
fsr-3513	573	5	_	_	PUNCT
fsr-3513	573	6	26411.pdf	26411.pdf	NUM
fsr-3513	573	7	utkarsh	utkarsh	ADJ
fsr-3513	573	8	,	,	PUNCT
fsr-3513	573	9	pandey	pandey	PROPN
fsr-3513	573	10	,	,	PUNCT
fsr-3513	573	11	a.	a.	PROPN
fsr-3513	573	12	,	,	PUNCT
fsr-3513	573	13	ashta	ashta	PROPN
fsr-3513	573	14	,	,	PUNCT
fsr-3513	573	15	a.	a.	NOUN
fsr-3513	573	16	,	,	PUNCT
fsr-3513	573	17	spiegelman	spiegelman	NOUN
fsr-3513	573	18	,	,	PUNCT
fsr-3513	573	19	e.	e.	PROPN
fsr-3513	573	20	,	,	PUNCT
fsr-3513	573	21	&	&	CCONJ
fsr-3513	573	22	sutan	sutan	PROPN
fsr-3513	573	23	,	,	PUNCT
fsr-3513	573	24	a.	a.	NOUN
fsr-3513	573	25	(	(	PUNCT
fsr-3513	573	26	2020	2020	NUM
fsr-3513	573	27	)	)	PUNCT
fsr-3513	573	28	.	.	PUNCT
fsr-3513	574	1	catch	catch	VERB
fsr-3513	574	2	them	they	PRON
fsr-3513	574	3	young	young	ADJ
fsr-3513	574	4	:	:	PUNCT
fsr-3513	574	5	impact	impact	NOUN
fsr-3513	574	6	of	of	ADP
fsr-3513	574	7	financial	financial	ADJ
fsr-3513	574	8	socialization	socialization	NOUN
fsr-3513	574	9	,	,	PUNCT
fsr-3513	574	10	financial	financial	ADJ
fsr-3513	574	11	literacy	literacy	NOUN
fsr-3513	574	12	and	and	CCONJ
fsr-3513	574	13	attitude	attitude	NOUN
fsr-3513	574	14	towards	towards	ADP
fsr-3513	574	15	money	money	NOUN
fsr-3513	574	16	on	on	ADP
fsr-3513	574	17	financial	financial	ADJ
fsr-3513	574	18	well‐being	well‐being	NOUN
fsr-3513	574	19	of	of	ADP
fsr-3513	574	20	young	young	ADJ
fsr-3513	574	21	adults	adult	NOUN
fsr-3513	574	22	.	.	PUNCT
fsr-3513	575	1	international	international	ADJ
fsr-3513	575	2	journal	journal	PROPN
fsr-3513	575	3	of	of	ADP
fsr-3513	575	4	consumer	consumer	NOUN
fsr-3513	575	5	studies	study	NOUN
fsr-3513	575	6	,	,	PUNCT
fsr-3513	575	7	44(6	44(6	NOUN
fsr-3513	575	8	)	)	PUNCT
fsr-3513	575	9	,	,	PUNCT
fsr-3513	575	10	531–541	531–541	NUM
fsr-3513	575	11	.	.	PUNCT
fsr-3513	576	1	https://doi.org/10.1111/ijcs.12583	https://doi.org/10.1111/ijcs.12583	PROPN
fsr-3513	576	2	utkus	utkus	PROPN
fsr-3513	576	3	,	,	PUNCT
fsr-3513	576	4	s.	s.	PROPN
fsr-3513	576	5	p.	p.	PROPN
fsr-3513	576	6	,	,	PUNCT
fsr-3513	576	7	&	&	CCONJ
fsr-3513	576	8	young	young	PROPN
fsr-3513	576	9	,	,	PUNCT
fsr-3513	576	10	j.	j.	PROPN
fsr-3513	576	11	(	(	PUNCT
fsr-3513	576	12	2011	2011	NUM
fsr-3513	576	13	)	)	PUNCT
fsr-3513	576	14	.	.	PUNCT
fsr-3513	577	1	financial	financial	ADJ
fsr-3513	577	2	literacy	literacy	NOUN
fsr-3513	577	3	and	and	CCONJ
fsr-3513	577	4	401	401	NUM
fsr-3513	577	5	(	(	PUNCT
fsr-3513	577	6	k	k	NOUN
fsr-3513	577	7	)	)	PUNCT
fsr-3513	577	8	loans	loan	NOUN
fsr-3513	577	9	.	.	PUNCT
fsr-3513	578	1	financial	financial	ADJ
fsr-3513	578	2	literacy	literacy	NOUN
fsr-3513	578	3	:	:	PUNCT
fsr-3513	578	4	implications	implication	NOUN
fsr-3513	578	5	for	for	ADP
fsr-3513	578	6	retirement	retirement	NOUN
fsr-3513	578	7	security	security	NOUN
fsr-3513	578	8	and	and	CCONJ
fsr-3513	578	9	the	the	DET
fsr-3513	578	10	financial	financial	ADJ
fsr-3513	578	11	marketplace	marketplace	NOUN
fsr-3513	578	12	,	,	PUNCT
fsr-3513	578	13	59	59	NUM
fsr-3513	578	14	.	.	PUNCT
fsr-3513	579	1	https://repository.upenn.edu/cgi/view	https://repository.upenn.edu/cgi/view	NOUN
fsr-3513	579	2	content.cgi?article=1214&context=p	content.cgi?article=1214&context=p	NOUN
fsr-3513	579	3	rc_papers	rc_paper	NOUN
fsr-3513	579	4	van	van	PROPN
fsr-3513	579	5	campenhout	campenhout	PROPN
fsr-3513	579	6	,	,	PUNCT
fsr-3513	579	7	g.	g.	PROPN
fsr-3513	579	8	(	(	PUNCT
fsr-3513	579	9	2015	2015	NUM
fsr-3513	579	10	)	)	PUNCT
fsr-3513	579	11	,	,	PUNCT
fsr-3513	579	12	revaluing	revalue	VERB
fsr-3513	579	13	the	the	DET
fsr-3513	579	14	role	role	NOUN
fsr-3513	579	15	of	of	ADP
fsr-3513	579	16	parents	parent	NOUN
fsr-3513	579	17	as	as	ADP
fsr-3513	579	18	financial	financial	ADJ
fsr-3513	579	19	socialization	socialization	NOUN
fsr-3513	579	20	agents	agent	NOUN
fsr-3513	579	21	in	in	ADP
fsr-3513	579	22	youth	youth	NOUN
fsr-3513	579	23	financial	financial	ADJ
fsr-3513	579	24	literacy	literacy	NOUN
fsr-3513	579	25	programs	program	NOUN
fsr-3513	579	26	.	.	PUNCT
fsr-3513	580	1	journal	journal	NOUN
fsr-3513	580	2	of	of	ADP
fsr-3513	580	3	consumer	consumer	NOUN
fsr-3513	580	4	affairs	affair	NOUN
fsr-3513	580	5	,	,	PUNCT
fsr-3513	580	6	49(1	49(1	NOUN
fsr-3513	580	7	)	)	PUNCT
fsr-3513	580	8	,	,	PUNCT
fsr-3513	580	9	186–222	186–222	NUM
fsr-3513	580	10	.	.	PUNCT
fsr-3513	581	1	https://doi.org/10.1111/joca.12064	https://doi.org/10.1111/joca.12064	PROPN
fsr-3513	581	2	van	van	PROPN
fsr-3513	581	3	rooij	rooij	NOUN
fsr-3513	581	4	,	,	PUNCT
fsr-3513	581	5	m.	m.	PROPN
fsr-3513	581	6	c.	c.	PROPN
fsr-3513	581	7	,	,	PUNCT
fsr-3513	581	8	kool	kool	PROPN
fsr-3513	581	9	,	,	PUNCT
fsr-3513	581	10	c.	c.	PROPN
fsr-3513	581	11	j.	j.	PROPN
fsr-3513	581	12	,	,	PUNCT
fsr-3513	581	13	&	&	CCONJ
fsr-3513	581	14	prast	prast	PROPN
fsr-3513	581	15	,	,	PUNCT
fsr-3513	581	16	h.	h.	PROPN
fsr-3513	581	17	m.	m.	NOUN
fsr-3513	581	18	(	(	PUNCT
fsr-3513	581	19	2007	2007	NUM
fsr-3513	581	20	)	)	PUNCT
fsr-3513	581	21	.	.	PUNCT
fsr-3513	582	1	risk	risk	NOUN
fsr-3513	582	2	-	-	PUNCT
fsr-3513	582	3	return	return	NOUN
fsr-3513	582	4	preferences	preference	NOUN
fsr-3513	582	5	in	in	ADP
fsr-3513	582	6	the	the	DET
fsr-3513	582	7	pension	pension	NOUN
fsr-3513	582	8	domain	domain	NOUN
fsr-3513	582	9	:	:	PUNCT
fsr-3513	582	10	are	be	AUX
fsr-3513	582	11	people	people	NOUN
fsr-3513	582	12	able	able	ADJ
fsr-3513	582	13	to	to	PART
fsr-3513	582	14	choose	choose	VERB
fsr-3513	582	15	?	?	PUNCT
fsr-3513	583	1	journal	journal	NOUN
fsr-3513	583	2	of	of	ADP
fsr-3513	583	3	public	public	ADJ
fsr-3513	583	4	economics	economic	NOUN
fsr-3513	583	5	,	,	PUNCT
fsr-3513	583	6	91(3–4	91(3–4	NUM
fsr-3513	583	7	)	)	PUNCT
fsr-3513	583	8	,	,	PUNCT
fsr-3513	583	9	701–722	701–722	NUM
fsr-3513	583	10	.	.	PUNCT
fsr-3513	584	1	https://doi.org/10.1016/j.jpubeco.200	https://doi.org/10.1016/j.jpubeco.200	PROPN
fsr-3513	584	2	6.08.003	6.08.003	PROPN
fsr-3513	584	3	vuković	vuković	PROPN
fsr-3513	584	4	,	,	PUNCT
fsr-3513	584	5	m.	m.	NOUN
fsr-3513	584	6	,	,	PUNCT
fsr-3513	584	7	&	&	CCONJ
fsr-3513	584	8	pivac	pivac	PROPN
fsr-3513	584	9	,	,	PUNCT
fsr-3513	584	10	s.	s.	PROPN
fsr-3513	584	11	(	(	PUNCT
fsr-3513	584	12	2021	2021	NUM
fsr-3513	584	13	)	)	PUNCT
fsr-3513	584	14	.	.	PUNCT
fsr-3513	585	1	does	do	AUX
fsr-3513	585	2	financial	financial	ADJ
fsr-3513	585	3	behavior	behavior	NOUN
fsr-3513	585	4	mediate	mediate	VERB
fsr-3513	585	5	the	the	DET
fsr-3513	585	6	relationship	relationship	NOUN
fsr-3513	585	7	between	between	ADP
fsr-3513	585	8	self	self	NOUN
fsr-3513	585	9	-	-	PUNCT
fsr-3513	585	10	control	control	NOUN
fsr-3513	585	11	and	and	CCONJ
fsr-3513	585	12	financial	financial	ADJ
fsr-3513	585	13	security	security	NOUN
fsr-3513	585	14	?	?	PUNCT
fsr-3513	586	1	croatian	croatian	ADJ
fsr-3513	586	2	operational	operational	ADJ
fsr-3513	586	3	research	research	PROPN
fsr-3513	586	4	review	review	PROPN
fsr-3513	586	5	,	,	PUNCT
fsr-3513	586	6	12(1	12(1	NUM
fsr-3513	586	7	)	)	PUNCT
fsr-3513	586	8	,	,	PUNCT
fsr-3513	586	9	27–36	27–36	NUM
fsr-3513	586	10	.	.	PUNCT
fsr-3513	587	1	https://doi.org/10.17535/crorr.2021.0	https://doi.org/10.17535/crorr.2021.0	PROPN
fsr-3513	587	2	003	003	PROPN
fsr-3513	587	3	wong	wong	PROPN
fsr-3513	587	4	,	,	PUNCT
fsr-3513	587	5	k.	k.	PROPN
fsr-3513	587	6	k.	k.	PROPN
fsr-3513	587	7	(	(	PUNCT
fsr-3513	587	8	2013	2013	NUM
fsr-3513	587	9	)	)	PUNCT
fsr-3513	587	10	.	.	PUNCT
fsr-3513	588	1	partial	partial	ADJ
fsr-3513	588	2	least	least	ADJ
fsr-3513	588	3	squares	square	VERB
fsr-3513	588	4	structural	structural	ADJ
fsr-3513	588	5	equation	equation	NOUN
fsr-3513	588	6	modeling	modeling	NOUN
fsr-3513	588	7	(	(	PUNCT
fsr-3513	588	8	plssem	plssem	NOUN
fsr-3513	588	9	)	)	PUNCT
fsr-3513	588	10	techniques	technique	NOUN
fsr-3513	588	11	using	use	VERB
fsr-3513	588	12	smartpls	smartpls	NOUN
fsr-3513	588	13	.	.	PUNCT
fsr-3513	589	1	marketing	marketing	NOUN
fsr-3513	589	2	bulletin	bulletin	NOUN
fsr-3513	589	3	,	,	PUNCT
fsr-3513	589	4	24	24	NUM
fsr-3513	589	5	,	,	PUNCT
fsr-3513	589	6	1–32	1–32	PROPN
fsr-3513	589	7	.	.	PUNCT
fsr-3513	590	1	yakoboski	yakoboski	PROPN
fsr-3513	590	2	,	,	PUNCT
fsr-3513	590	3	p.	p.	PROPN
fsr-3513	590	4	j.	j.	PROPN
fsr-3513	590	5	,	,	PUNCT
fsr-3513	590	6	lusardi	lusardi	PROPN
fsr-3513	590	7	,	,	PUNCT
fsr-3513	590	8	a.	a.	NOUN
fsr-3513	590	9	,	,	PUNCT
fsr-3513	590	10	&	&	CCONJ
fsr-3513	590	11	hesler	hesler	PROPN
fsr-3513	590	12	,	,	PUNCT
fsr-3513	590	13	a.	a.	NOUN
fsr-3513	590	14	(	(	PUNCT
fsr-3513	590	15	2019	2019	NUM
fsr-3513	590	16	)	)	PUNCT
fsr-3513	590	17	.	.	PUNCT
fsr-3513	591	1	financial	financial	ADJ
fsr-3513	591	2	literacy	literacy	NOUN
fsr-3513	591	3	and	and	CCONJ
fsr-3513	591	4	wellbeing	wellbee	VERB
fsr-3513	591	5	among	among	ADP
fsr-3513	591	6	african	african	ADJ
fsr-3513	591	7	–	–	PUNCT
fsr-3513	591	8	americans	americans	PROPN
fsr-3513	591	9	:	:	PUNCT
fsr-3513	591	10	new	new	ADJ
fsr-3513	591	11	insights	insight	NOUN
fsr-3513	591	12	from	from	ADP
fsr-3513	591	13	the	the	DET
fsr-3513	591	14	personal	personal	ADJ
fsr-3513	591	15	finance	finance	NOUN
fsr-3513	591	16	(	(	PUNCT
fsr-3513	591	17	p	p	NOUN
fsr-3513	591	18	-	-	PUNCT
fsr-3513	591	19	fin	fin	NOUN
fsr-3513	591	20	)	)	PUNCT
fsr-3513	591	21	index	index	NOUN
fsr-3513	591	22	.	.	PUNCT
fsr-3513	592	1	optimizing	optimize	VERB
fsr-3513	592	2	financial	financial	ADJ
fsr-3513	592	3	education	education	NOUN
fsr-3513	592	4	utilization	utilization	NOUN
fsr-3513	592	5	.	.	PUNCT
fsr-3513	593	1	financial	financial	ADJ
fsr-3513	593	2	education	education	NOUN
fsr-3513	593	3	.	.	PUNCT
fsr-3513	594	1	accesslex	accesslex	ADJ
fsr-3513	594	2	resource	resource	NOUN
fsr-3513	594	3	collections	collection	NOUN
fsr-3513	594	4	.	.	PUNCT
fsr-3513	595	1	https://gflec.org/wpcontent/uploads/2019/11/tiaainstitute-gflec_african-americanp-fin-index_november-2019.pdf	https://gflec.org/wpcontent/uploads/2019/11/tiaainstitute-gflec_african-americanp-fin-index_november-2019.pdf	PROPN
fsr-3513	595	2	zakaria	zakaria	PROPN
fsr-3513	595	3	,	,	PUNCT
fsr-3513	595	4	r.	r.	PROPN
fsr-3513	595	5	h.	h.	PROPN
fsr-3513	595	6	,	,	PUNCT
fsr-3513	595	7	jaafar	jaafar	ADV
fsr-3513	595	8	,	,	PUNCT
fsr-3513	595	9	n.	n.	PROPN
fsr-3513	595	10	i.	i.	PROPN
fsr-3513	595	11	m.	m.	PROPN
fsr-3513	595	12	,	,	PUNCT
fsr-3513	595	13	&	&	CCONJ
fsr-3513	595	14	marican	marican	PROPN
fsr-3513	595	15	,	,	PUNCT
fsr-3513	595	16	s.	s.	PROPN
fsr-3513	595	17	(	(	PUNCT
fsr-3513	595	18	2012	2012	NUM
fsr-3513	595	19	)	)	PUNCT
fsr-3513	595	20	.	.	PUNCT
fsr-3513	596	1	financial	financial	ADJ
fsr-3513	596	2	behavior	behavior	NOUN
fsr-3513	596	3	and	and	CCONJ
fsr-3513	596	4	financial	financial	ADJ
fsr-3513	596	5	position	position	NOUN
fsr-3513	596	6	:	:	PUNCT
fsr-3513	596	7	a	a	DET
fsr-3513	596	8	structural	structural	ADJ
fsr-3513	596	9	equation	equation	NOUN
fsr-3513	596	10	modelling	model	VERB
fsr-3513	596	11	approach	approach	NOUN
fsr-3513	596	12	.	.	PUNCT
fsr-3513	597	1	middle	middle	ADJ
fsr-3513	597	2	-	-	PUNCT
fsr-3513	597	3	east	east	NOUN
fsr-3513	597	4	journal	journal	NOUN
fsr-3513	597	5	of	of	ADP
fsr-3513	597	6	scientific	scientific	ADJ
fsr-3513	597	7	research	research	NOUN
fsr-3513	597	8	,	,	PUNCT
fsr-3513	597	9	12(10	12(10	NUM
fsr-3513	597	10	)	)	PUNCT
fsr-3513	597	11	,	,	PUNCT
fsr-3513	597	12	1396–1402	1396–1402	NUM
fsr-3513	597	13	.	.	PUNCT
fsr-3513	598	1	https://doi.org/10.5829/idosi.mejsr.2	https://doi.org/10.5829/idosi.mejsr.2	NOUN
fsr-3513	598	2	012.12.10.79	012.12.10.79	NUM
fsr-3513	598	3	zhao	zhao	PROPN
fsr-3513	598	4	,	,	PUNCT
fsr-3513	598	5	h.	h.	PROPN
fsr-3513	598	6	,	,	PUNCT
fsr-3513	598	7	&	&	CCONJ
fsr-3513	598	8	zhang	zhang	PROPN
fsr-3513	598	9	,	,	PUNCT
fsr-3513	598	10	l.	l.	PROPN
fsr-3513	598	11	(	(	PUNCT
fsr-3513	598	12	2020	2020	NUM
fsr-3513	598	13	)	)	PUNCT
fsr-3513	598	14	.	.	PUNCT
fsr-3513	599	1	talking	talk	VERB
fsr-3513	599	2	money	money	NOUN
fsr-3513	599	3	at	at	ADP
fsr-3513	599	4	home	home	NOUN
fsr-3513	599	5	:	:	PUNCT
fsr-3513	599	6	the	the	DET
fsr-3513	599	7	value	value	NOUN
fsr-3513	599	8	of	of	ADP
fsr-3513	599	9	family	family	NOUN
fsr-3513	599	10	financial	financial	ADJ
fsr-3513	599	11	socialization	socialization	NOUN
fsr-3513	599	12	.	.	PUNCT
fsr-3513	600	1	international	international	ADJ
fsr-3513	600	2	journal	journal	PROPN
fsr-3513	600	3	of	of	ADP
fsr-3513	600	4	bank	bank	PROPN
fsr-3513	600	5	marketing	marketing	NOUN
fsr-3513	600	6	,	,	PUNCT
fsr-3513	600	7	38(7	38(7	NUM
fsr-3513	600	8	)	)	PUNCT
fsr-3513	600	9	,	,	PUNCT
fsr-3513	600	10	1617–1634	1617–1634	NUM
fsr-3513	600	11	.	.	PUNCT
fsr-3513	601	1	https://doi.org/10.1108/ijbm-042020-0174	https://doi.org/10.1108/ijbm-042020-0174	PROPN
fsr-3513	601	2	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	PROPN
fsr-3513	601	3	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	NOUN
fsr-3513	601	4	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	NOUN
fsr-3513	601	5	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	https://gflec.org/wp-content/uploads/2019/11/tiaa-institute-gflec_african-american-p-fin-index_november-2019.pdf	NOUN