id	sid	tid	token	lemma	pos
fsr-3555	1	1	financial	financial	PROPN
fsr-3555	1	2	services	service	NOUN
fsr-3555	1	3	review	review	NOUN
fsr-3555	1	4	,	,	PUNCT
fsr-3555	1	5	32(2	32(2	NUM
fsr-3555	1	6	)	)	PUNCT
fsr-3555	1	7	77	77	NUM
fsr-3555	1	8	retirement	retirement	NOUN
fsr-3555	1	9	planning	planning	NOUN
fsr-3555	1	10	:	:	PUNCT
fsr-3555	1	11	a	a	DET
fsr-3555	1	12	moderated	moderated	ADJ
fsr-3555	1	13	mediation	mediation	NOUN
fsr-3555	1	14	model	model	NOUN
fsr-3555	1	15	of	of	ADP
fsr-3555	1	16	cognitive	cognitive	ADJ
fsr-3555	1	17	beliefs	belief	NOUN
fsr-3555	1	18	,	,	PUNCT
fsr-3555	1	19	retirement	retirement	NOUN
fsr-3555	1	20	planning	planning	NOUN
fsr-3555	1	21	attitude	attitude	NOUN
fsr-3555	1	22	,	,	PUNCT
fsr-3555	1	23	and	and	CCONJ
fsr-3555	1	24	money	money	NOUN
fsr-3555	1	25	availability	availability	NOUN
fsr-3555	1	26	afm	afm	PROPN
fsr-3555	1	27	jalal	jalal	PROPN
fsr-3555	1	28	ahamed1	ahamed1	PROPN
fsr-3555	1	29	and	and	CCONJ
fsr-3555	1	30	yam	yam	PROPN
fsr-3555	1	31	b.	b.	PROPN
fsr-3555	1	32	limbu2	limbu2	PROPN
fsr-3555	2	1	abstract	abstract	PROPN
fsr-3555	2	2	retirement	retirement	PROPN
fsr-3555	2	3	planning	planning	NOUN
fsr-3555	2	4	has	have	AUX
fsr-3555	2	5	been	be	AUX
fsr-3555	2	6	extensively	extensively	ADV
fsr-3555	2	7	studied	study	VERB
fsr-3555	2	8	in	in	ADP
fsr-3555	2	9	developed	develop	VERB
fsr-3555	2	10	countries	country	NOUN
fsr-3555	2	11	;	;	PUNCT
fsr-3555	2	12	however	however	ADV
fsr-3555	2	13	,	,	PUNCT
fsr-3555	2	14	it	it	PRON
fsr-3555	2	15	has	have	AUX
fsr-3555	2	16	received	receive	VERB
fsr-3555	2	17	scant	scant	ADJ
fsr-3555	2	18	scholarly	scholarly	ADJ
fsr-3555	2	19	attention	attention	NOUN
fsr-3555	2	20	in	in	ADP
fsr-3555	2	21	developing	develop	VERB
fsr-3555	2	22	nations	nation	NOUN
fsr-3555	2	23	.	.	PUNCT
fsr-3555	3	1	this	this	DET
fsr-3555	3	2	study	study	NOUN
fsr-3555	3	3	examines	examine	VERB
fsr-3555	3	4	the	the	DET
fsr-3555	3	5	role	role	NOUN
fsr-3555	3	6	of	of	ADP
fsr-3555	3	7	cognitive	cognitive	ADJ
fsr-3555	3	8	factors	factor	NOUN
fsr-3555	3	9	associated	associate	VERB
fsr-3555	3	10	with	with	ADP
fsr-3555	3	11	retirement	retirement	NOUN
fsr-3555	3	12	planning	planning	NOUN
fsr-3555	3	13	intentions	intention	NOUN
fsr-3555	3	14	in	in	ADP
fsr-3555	3	15	the	the	DET
fsr-3555	3	16	context	context	NOUN
fsr-3555	3	17	of	of	ADP
fsr-3555	3	18	a	a	DET
fsr-3555	3	19	developing	develop	VERB
fsr-3555	3	20	country	country	NOUN
fsr-3555	3	21	,	,	PUNCT
fsr-3555	3	22	focusing	focus	VERB
fsr-3555	3	23	on	on	ADP
fsr-3555	3	24	financial	financial	ADJ
fsr-3555	3	25	risk	risk	NOUN
fsr-3555	3	26	tolerance	tolerance	NOUN
fsr-3555	3	27	and	and	CCONJ
fsr-3555	3	28	self	self	NOUN
fsr-3555	3	29	-	-	PUNCT
fsr-3555	3	30	efficacy	efficacy	NOUN
fsr-3555	3	31	within	within	ADP
fsr-3555	3	32	the	the	DET
fsr-3555	3	33	cognitive	cognitive	ADJ
fsr-3555	3	34	appraisal	appraisal	NOUN
fsr-3555	3	35	theory	theory	NOUN
fsr-3555	3	36	framework	framework	NOUN
fsr-3555	3	37	,	,	PUNCT
fsr-3555	3	38	considering	consider	VERB
fsr-3555	3	39	the	the	DET
fsr-3555	3	40	mediating	mediate	VERB
fsr-3555	3	41	role	role	NOUN
fsr-3555	3	42	of	of	ADP
fsr-3555	3	43	retirement	retirement	NOUN
fsr-3555	3	44	planning	planning	NOUN
fsr-3555	3	45	attitudes	attitude	NOUN
fsr-3555	3	46	and	and	CCONJ
fsr-3555	3	47	the	the	DET
fsr-3555	3	48	moderating	moderate	VERB
fsr-3555	3	49	impact	impact	NOUN
fsr-3555	3	50	of	of	ADP
fsr-3555	3	51	financial	financial	ADJ
fsr-3555	3	52	resource	resource	NOUN
fsr-3555	3	53	availability	availability	NOUN
fsr-3555	3	54	.	.	PUNCT
fsr-3555	4	1	data	datum	NOUN
fsr-3555	4	2	collected	collect	VERB
fsr-3555	4	3	from	from	ADP
fsr-3555	4	4	surveys	survey	NOUN
fsr-3555	4	5	of	of	ADP
fsr-3555	4	6	301	301	NUM
fsr-3555	4	7	adults	adult	NOUN
fsr-3555	4	8	in	in	ADP
fsr-3555	4	9	dhaka	dhaka	PROPN
fsr-3555	4	10	,	,	PUNCT
fsr-3555	4	11	bangladesh	bangladesh	PROPN
fsr-3555	4	12	were	be	AUX
fsr-3555	4	13	analyzed	analyze	VERB
fsr-3555	4	14	using	use	VERB
fsr-3555	4	15	a	a	DET
fsr-3555	4	16	partial	partial	ADJ
fsr-3555	4	17	least	least	ADJ
fsr-3555	4	18	squares	square	NOUN
fsr-3555	4	19	structural	structural	ADJ
fsr-3555	4	20	equation	equation	NOUN
fsr-3555	4	21	modeling	modeling	NOUN
fsr-3555	4	22	(	(	PUNCT
fsr-3555	4	23	pls	pls	INTJ
fsr-3555	4	24	-	-	PUNCT
fsr-3555	4	25	sem	sem	NOUN
fsr-3555	4	26	)	)	PUNCT
fsr-3555	4	27	approach	approach	NOUN
fsr-3555	4	28	.	.	PUNCT
fsr-3555	5	1	findings	finding	NOUN
fsr-3555	5	2	revealed	reveal	VERB
fsr-3555	5	3	that	that	SCONJ
fsr-3555	5	4	retirement	retirement	NOUN
fsr-3555	5	5	planning	planning	NOUN
fsr-3555	5	6	attitudes	attitude	NOUN
fsr-3555	5	7	mediate	mediate	VERB
fsr-3555	5	8	the	the	DET
fsr-3555	5	9	relationship	relationship	NOUN
fsr-3555	5	10	between	between	ADP
fsr-3555	5	11	cognitive	cognitive	ADJ
fsr-3555	5	12	factors	factor	NOUN
fsr-3555	5	13	and	and	CCONJ
fsr-3555	5	14	retirement	retirement	NOUN
fsr-3555	5	15	planning	planning	NOUN
fsr-3555	5	16	intentions	intention	NOUN
fsr-3555	5	17	.	.	PUNCT
fsr-3555	6	1	interestingly	interestingly	ADV
fsr-3555	6	2	,	,	PUNCT
fsr-3555	6	3	risk	risk	VERB
fsr-3555	6	4	tolerance	tolerance	NOUN
fsr-3555	6	5	negatively	negatively	ADV
fsr-3555	6	6	impacts	impact	VERB
fsr-3555	6	7	retirement	retirement	NOUN
fsr-3555	6	8	planning	planning	NOUN
fsr-3555	6	9	intentions	intention	NOUN
fsr-3555	6	10	through	through	ADP
fsr-3555	6	11	attitudes	attitude	NOUN
fsr-3555	6	12	,	,	PUNCT
fsr-3555	6	13	while	while	SCONJ
fsr-3555	6	14	financial	financial	ADJ
fsr-3555	6	15	self	self	NOUN
fsr-3555	6	16	-	-	PUNCT
fsr-3555	6	17	efficacy	efficacy	NOUN
fsr-3555	6	18	shows	show	VERB
fsr-3555	6	19	a	a	DET
fsr-3555	6	20	positive	positive	ADJ
fsr-3555	6	21	influence	influence	NOUN
fsr-3555	6	22	.	.	PUNCT
fsr-3555	7	1	furthermore	furthermore	ADV
fsr-3555	7	2	,	,	PUNCT
fsr-3555	7	3	the	the	DET
fsr-3555	7	4	availability	availability	NOUN
fsr-3555	7	5	of	of	ADP
fsr-3555	7	6	financial	financial	ADJ
fsr-3555	7	7	resources	resource	NOUN
fsr-3555	7	8	moderates	moderate	VERB
fsr-3555	7	9	these	these	DET
fsr-3555	7	10	relationships	relationship	NOUN
fsr-3555	7	11	,	,	PUNCT
fsr-3555	7	12	indicating	indicate	VERB
fsr-3555	7	13	that	that	SCONJ
fsr-3555	7	14	retirement	retirement	NOUN
fsr-3555	7	15	planning	planning	NOUN
fsr-3555	7	16	attitudes	attitude	NOUN
fsr-3555	7	17	significantly	significantly	ADV
fsr-3555	7	18	influence	influence	VERB
fsr-3555	7	19	intentions	intention	NOUN
fsr-3555	7	20	when	when	SCONJ
fsr-3555	7	21	financial	financial	ADJ
fsr-3555	7	22	resource	resource	NOUN
fsr-3555	7	23	availability	availability	NOUN
fsr-3555	7	24	is	be	AUX
fsr-3555	7	25	low	low	ADJ
fsr-3555	7	26	.	.	PUNCT
fsr-3555	8	1	this	this	DET
fsr-3555	8	2	research	research	NOUN
fsr-3555	8	3	contributes	contribute	VERB
fsr-3555	8	4	to	to	ADP
fsr-3555	8	5	the	the	DET
fsr-3555	8	6	understanding	understanding	NOUN
fsr-3555	8	7	of	of	ADP
fsr-3555	8	8	retirement	retirement	NOUN
fsr-3555	8	9	planning	planning	NOUN
fsr-3555	8	10	in	in	ADP
fsr-3555	8	11	a	a	DET
fsr-3555	8	12	developing	develop	VERB
fsr-3555	8	13	country	country	NOUN
fsr-3555	8	14	context	context	NOUN
fsr-3555	8	15	,	,	PUNCT
fsr-3555	8	16	highlighting	highlight	VERB
fsr-3555	8	17	the	the	DET
fsr-3555	8	18	importance	importance	NOUN
fsr-3555	8	19	of	of	ADP
fsr-3555	8	20	cognitive	cognitive	ADJ
fsr-3555	8	21	factors	factor	NOUN
fsr-3555	8	22	and	and	CCONJ
fsr-3555	8	23	financial	financial	ADJ
fsr-3555	8	24	resources	resource	NOUN
fsr-3555	8	25	.	.	PUNCT
fsr-3555	9	1	tailored	tailor	VERB
fsr-3555	9	2	retirement	retirement	NOUN
fsr-3555	9	3	planning	planning	NOUN
fsr-3555	9	4	strategies	strategy	NOUN
fsr-3555	9	5	should	should	AUX
fsr-3555	9	6	consider	consider	VERB
fsr-3555	9	7	individual	individual	ADJ
fsr-3555	9	8	financial	financial	ADJ
fsr-3555	9	9	conditions	condition	NOUN
fsr-3555	9	10	and	and	CCONJ
fsr-3555	9	11	cognitive	cognitive	ADJ
fsr-3555	9	12	beliefs	belief	NOUN
fsr-3555	9	13	.	.	PUNCT
fsr-3555	10	1	the	the	DET
fsr-3555	10	2	insights	insight	NOUN
fsr-3555	10	3	are	be	AUX
fsr-3555	10	4	valuable	valuable	ADJ
fsr-3555	10	5	for	for	ADP
fsr-3555	10	6	policymakers	policymaker	NOUN
fsr-3555	10	7	and	and	CCONJ
fsr-3555	10	8	financial	financial	ADJ
fsr-3555	10	9	advisors	advisor	NOUN
fsr-3555	10	10	,	,	PUNCT
fsr-3555	10	11	particularly	particularly	ADV
fsr-3555	10	12	in	in	ADP
fsr-3555	10	13	developing	develop	VERB
fsr-3555	10	14	nations	nation	NOUN
fsr-3555	10	15	.	.	PUNCT
fsr-3555	11	1	creative	creative	ADJ
fsr-3555	11	2	commons	commons	PROPN
fsr-3555	11	3	license	license	NOUN
fsr-3555	11	4	this	this	DET
fsr-3555	11	5	work	work	NOUN
fsr-3555	11	6	is	be	AUX
fsr-3555	11	7	licensed	license	VERB
fsr-3555	11	8	under	under	ADP
fsr-3555	11	9	a	a	DET
fsr-3555	11	10	creative	creative	ADJ
fsr-3555	11	11	commons	common	NOUN
fsr-3555	11	12	attribution	attribution	NOUN
fsr-3555	11	13	-	-	PUNCT
fsr-3555	11	14	noncommercial	noncommercial	ADJ
fsr-3555	11	15	4.0	4.0	NUM
fsr-3555	11	16	license	license	NOUN
fsr-3555	11	17	recommended	recommend	VERB
fsr-3555	11	18	citation	citation	NOUN
fsr-3555	11	19	ahamed	ahamed	PROPN
fsr-3555	11	20	,	,	PUNCT
fsr-3555	11	21	a.	a.	PROPN
fsr-3555	11	22	j.	j.	PROPN
fsr-3555	11	23	,	,	PUNCT
fsr-3555	11	24	&	&	CCONJ
fsr-3555	11	25	limbu	limbu	PROPN
fsr-3555	11	26	,	,	PUNCT
fsr-3555	11	27	y.	y.	PROPN
fsr-3555	11	28	b.	b.	PROPN
fsr-3555	12	1	(	(	PUNCT
fsr-3555	12	2	2024	2024	NUM
fsr-3555	12	3	)	)	PUNCT
fsr-3555	12	4	.	.	PUNCT
fsr-3555	13	1	retirement	retirement	NOUN
fsr-3555	13	2	planning	planning	PROPN
fsr-3555	13	3	:	:	PUNCT
fsr-3555	13	4	a	a	DET
fsr-3555	13	5	moderated	moderated	ADJ
fsr-3555	13	6	mediation	mediation	NOUN
fsr-3555	13	7	model	model	NOUN
fsr-3555	13	8	of	of	ADP
fsr-3555	13	9	cognitive	cognitive	ADJ
fsr-3555	13	10	beliefs	belief	NOUN
fsr-3555	13	11	,	,	PUNCT
fsr-3555	13	12	retirement	retirement	NOUN
fsr-3555	13	13	planning	planning	NOUN
fsr-3555	13	14	attitude	attitude	NOUN
fsr-3555	13	15	,	,	PUNCT
fsr-3555	13	16	and	and	CCONJ
fsr-3555	13	17	money	money	NOUN
fsr-3555	13	18	availability	availability	NOUN
fsr-3555	13	19	.	.	PUNCT
fsr-3555	14	1	financial	financial	ADJ
fsr-3555	14	2	services	service	NOUN
fsr-3555	14	3	review	review	PROPN
fsr-3555	14	4	,	,	PUNCT
fsr-3555	14	5	32(2	32(2	NUM
fsr-3555	14	6	)	)	PUNCT
fsr-3555	14	7	,	,	PUNCT
fsr-3555	14	8	77	77	NUM
fsr-3555	14	9	-	-	SYM
fsr-3555	14	10	93	93	NUM
fsr-3555	14	11	.	.	PUNCT
fsr-3555	15	1	1	1	NUM
fsr-3555	15	2	corresponding	correspond	VERB
fsr-3555	15	3	author	author	NOUN
fsr-3555	15	4	(	(	PUNCT
fsr-3555	15	5	jalal.ahamed@his.se	jalal.ahamed@his.se	PROPN
fsr-3555	15	6	)	)	PUNCT
fsr-3555	15	7	.	.	PUNCT
fsr-3555	16	1	school	school	NOUN
fsr-3555	16	2	of	of	ADP
fsr-3555	16	3	business	business	NOUN
fsr-3555	16	4	,	,	PUNCT
fsr-3555	16	5	university	university	NOUN
fsr-3555	16	6	of	of	ADP
fsr-3555	16	7	skövde	skövde	PROPN
fsr-3555	16	8	,	,	PUNCT
fsr-3555	16	9	skövde	skövde	NOUN
fsr-3555	16	10	,	,	PUNCT
fsr-3555	16	11	sweden	sweden	PROPN
fsr-3555	16	12	2	2	NUM
fsr-3555	16	13	feliciano	feliciano	NOUN
fsr-3555	16	14	school	school	NOUN
fsr-3555	16	15	of	of	ADP
fsr-3555	16	16	business	business	NOUN
fsr-3555	16	17	,	,	PUNCT
fsr-3555	16	18	montclair	montclair	PROPN
fsr-3555	16	19	state	state	PROPN
fsr-3555	16	20	university	university	PROPN
fsr-3555	16	21	,	,	PUNCT
fsr-3555	16	22	montclair	montclair	PROPN
fsr-3555	16	23	,	,	PUNCT
fsr-3555	16	24	nj	nj	PROPN
fsr-3555	16	25	,	,	PUNCT
fsr-3555	16	26	usa	usa	PROPN
fsr-3555	16	27	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	X
fsr-3555	16	28	mailto:jalal.ahamed@his.se	mailto:jalal.ahamed@his.se	ADV
fsr-3555	16	29	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-3555	16	30	financial	financial	ADJ
fsr-3555	16	31	services	service	NOUN
fsr-3555	16	32	review	review	NOUN
fsr-3555	16	33	,	,	PUNCT
fsr-3555	16	34	32(2	32(2	NUM
fsr-3555	16	35	)	)	PUNCT
fsr-3555	16	36	78	78	NUM
fsr-3555	16	37	introduction	introduction	NOUN
fsr-3555	16	38	recent	recent	ADJ
fsr-3555	16	39	years	year	NOUN
fsr-3555	16	40	have	have	AUX
fsr-3555	16	41	seen	see	VERB
fsr-3555	16	42	heightened	heighten	VERB
fsr-3555	16	43	attention	attention	NOUN
fsr-3555	16	44	given	give	VERB
fsr-3555	16	45	to	to	ADP
fsr-3555	16	46	retirement	retirement	NOUN
fsr-3555	16	47	planning	planning	NOUN
fsr-3555	16	48	,	,	PUNCT
fsr-3555	16	49	particularly	particularly	ADV
fsr-3555	16	50	in	in	ADP
fsr-3555	16	51	developing	develop	VERB
fsr-3555	16	52	countries	country	NOUN
fsr-3555	16	53	.	.	PUNCT
fsr-3555	17	1	research	research	NOUN
fsr-3555	17	2	has	have	AUX
fsr-3555	17	3	mostly	mostly	ADV
fsr-3555	17	4	concentrated	concentrate	VERB
fsr-3555	17	5	on	on	ADP
fsr-3555	17	6	western	western	ADJ
fsr-3555	17	7	and	and	CCONJ
fsr-3555	17	8	developed	developed	ADJ
fsr-3555	17	9	countries	country	NOUN
fsr-3555	17	10	,	,	PUNCT
fsr-3555	17	11	where	where	SCONJ
fsr-3555	17	12	an	an	DET
fsr-3555	17	13	aging	age	VERB
fsr-3555	17	14	population	population	NOUN
fsr-3555	17	15	and	and	CCONJ
fsr-3555	17	16	a	a	DET
fsr-3555	17	17	lack	lack	NOUN
fsr-3555	17	18	of	of	ADP
fsr-3555	17	19	retirement	retirement	NOUN
fsr-3555	17	20	readiness	readiness	NOUN
fsr-3555	17	21	are	be	AUX
fsr-3555	17	22	major	major	ADJ
fsr-3555	17	23	concerns	concern	NOUN
fsr-3555	17	24	(	(	PUNCT
fsr-3555	17	25	hibbert	hibbert	VERB
fsr-3555	17	26	et	et	PROPN
fsr-3555	17	27	al	al	PROPN
fsr-3555	17	28	.	.	PROPN
fsr-3555	17	29	,	,	PUNCT
fsr-3555	17	30	2012	2012	NUM
fsr-3555	17	31	;	;	PUNCT
fsr-3555	17	32	kung	kung	PROPN
fsr-3555	17	33	et	et	PROPN
fsr-3555	17	34	al	al	PROPN
fsr-3555	17	35	.	.	PROPN
fsr-3555	17	36	,	,	PUNCT
fsr-3555	17	37	2023	2023	NUM
fsr-3555	17	38	)	)	PUNCT
fsr-3555	17	39	.	.	PUNCT
fsr-3555	18	1	these	these	DET
fsr-3555	18	2	studies	study	NOUN
fsr-3555	18	3	have	have	AUX
fsr-3555	18	4	underscored	underscore	VERB
fsr-3555	18	5	the	the	DET
fsr-3555	18	6	criticality	criticality	NOUN
fsr-3555	18	7	of	of	ADP
fsr-3555	18	8	understanding	understand	VERB
fsr-3555	18	9	the	the	DET
fsr-3555	18	10	motivations	motivation	NOUN
fsr-3555	18	11	and	and	CCONJ
fsr-3555	18	12	practices	practice	NOUN
fsr-3555	18	13	behind	behind	ADP
fsr-3555	18	14	individual	individual	ADJ
fsr-3555	18	15	retirement	retirement	NOUN
fsr-3555	18	16	savings	saving	NOUN
fsr-3555	18	17	,	,	PUNCT
fsr-3555	18	18	particularly	particularly	ADV
fsr-3555	18	19	in	in	ADP
fsr-3555	18	20	light	light	NOUN
fsr-3555	18	21	of	of	ADP
fsr-3555	18	22	the	the	DET
fsr-3555	18	23	increasing	increase	VERB
fsr-3555	18	24	reliance	reliance	NOUN
fsr-3555	18	25	on	on	ADP
fsr-3555	18	26	personal	personal	ADJ
fsr-3555	18	27	savings	saving	NOUN
fsr-3555	18	28	for	for	ADP
fsr-3555	18	29	post	post	ADJ
fsr-3555	18	30	-	-	ADJ
fsr-3555	18	31	retirement	retirement	ADJ
fsr-3555	18	32	life	life	NOUN
fsr-3555	18	33	(	(	PUNCT
fsr-3555	18	34	noone	noone	NOUN
fsr-3555	18	35	et	et	PROPN
fsr-3555	18	36	al	al	PROPN
fsr-3555	18	37	.	.	PROPN
fsr-3555	18	38	,	,	PUNCT
fsr-3555	18	39	2010	2010	NUM
fsr-3555	18	40	)	)	PUNCT
fsr-3555	18	41	.	.	PUNCT
fsr-3555	19	1	however	however	ADV
fsr-3555	19	2	,	,	PUNCT
fsr-3555	19	3	the	the	DET
fsr-3555	19	4	landscape	landscape	NOUN
fsr-3555	19	5	of	of	ADP
fsr-3555	19	6	retirement	retirement	NOUN
fsr-3555	19	7	planning	planning	NOUN
fsr-3555	19	8	in	in	ADP
fsr-3555	19	9	developing	develop	VERB
fsr-3555	19	10	countries	country	NOUN
fsr-3555	19	11	presents	present	VERB
fsr-3555	19	12	a	a	DET
fsr-3555	19	13	starkly	starkly	ADV
fsr-3555	19	14	different	different	ADJ
fsr-3555	19	15	context	context	NOUN
fsr-3555	19	16	,	,	PUNCT
fsr-3555	19	17	which	which	PRON
fsr-3555	19	18	has	have	AUX
fsr-3555	19	19	been	be	AUX
fsr-3555	19	20	relatively	relatively	ADV
fsr-3555	19	21	underexplored	underexplored	ADJ
fsr-3555	19	22	in	in	ADP
fsr-3555	19	23	the	the	DET
fsr-3555	19	24	literature	literature	NOUN
fsr-3555	19	25	.	.	PUNCT
fsr-3555	20	1	developing	develop	VERB
fsr-3555	20	2	nations	nation	NOUN
fsr-3555	20	3	,	,	PUNCT
fsr-3555	20	4	particularly	particularly	ADV
fsr-3555	20	5	in	in	ADP
fsr-3555	20	6	asian	asian	ADJ
fsr-3555	20	7	countries	country	NOUN
fsr-3555	20	8	,	,	PUNCT
fsr-3555	20	9	have	have	AUX
fsr-3555	20	10	traditionally	traditionally	ADV
fsr-3555	20	11	relied	rely	VERB
fsr-3555	20	12	on	on	ADP
fsr-3555	20	13	intergenerational	intergenerational	ADJ
fsr-3555	20	14	support	support	NOUN
fsr-3555	20	15	systems	system	NOUN
fsr-3555	20	16	,	,	PUNCT
fsr-3555	20	17	with	with	ADP
fsr-3555	20	18	children	child	NOUN
fsr-3555	20	19	caring	care	VERB
fsr-3555	20	20	for	for	ADP
fsr-3555	20	21	elderly	elderly	ADJ
fsr-3555	20	22	parents	parent	NOUN
fsr-3555	20	23	(	(	PUNCT
fsr-3555	20	24	gruijters	gruijter	NOUN
fsr-3555	20	25	,	,	PUNCT
fsr-3555	20	26	2017	2017	NUM
fsr-3555	20	27	)	)	PUNCT
fsr-3555	20	28	.	.	PUNCT
fsr-3555	21	1	this	this	DET
fsr-3555	21	2	cultural	cultural	ADJ
fsr-3555	21	3	norm	norm	NOUN
fsr-3555	21	4	,	,	PUNCT
fsr-3555	21	5	often	often	ADV
fsr-3555	21	6	overshadowed	overshadow	VERB
fsr-3555	21	7	by	by	ADP
fsr-3555	21	8	more	more	ADJ
fsr-3555	21	9	immediate	immediate	ADJ
fsr-3555	21	10	concerns	concern	NOUN
fsr-3555	21	11	such	such	ADJ
fsr-3555	21	12	as	as	ADP
fsr-3555	21	13	poverty	poverty	NOUN
fsr-3555	21	14	,	,	PUNCT
fsr-3555	21	15	has	have	AUX
fsr-3555	21	16	typically	typically	ADV
fsr-3555	21	17	relegated	relegate	VERB
fsr-3555	21	18	retirement	retirement	NOUN
fsr-3555	21	19	planning	planning	NOUN
fsr-3555	21	20	to	to	ADP
fsr-3555	21	21	a	a	DET
fsr-3555	21	22	secondary	secondary	ADJ
fsr-3555	21	23	concern	concern	NOUN
fsr-3555	21	24	.	.	PUNCT
fsr-3555	22	1	however	however	ADV
fsr-3555	22	2	,	,	PUNCT
fsr-3555	22	3	urbanization	urbanization	NOUN
fsr-3555	22	4	,	,	PUNCT
fsr-3555	22	5	increased	increase	VERB
fsr-3555	22	6	life	life	NOUN
fsr-3555	22	7	expectancy	expectancy	NOUN
fsr-3555	22	8	,	,	PUNCT
fsr-3555	22	9	and	and	CCONJ
fsr-3555	22	10	the	the	DET
fsr-3555	22	11	move	move	NOUN
fsr-3555	22	12	towards	towards	ADP
fsr-3555	22	13	nuclear	nuclear	ADJ
fsr-3555	22	14	families	family	NOUN
fsr-3555	22	15	are	be	AUX
fsr-3555	22	16	altering	alter	VERB
fsr-3555	22	17	perceptions	perception	NOUN
fsr-3555	22	18	of	of	ADP
fsr-3555	22	19	retirement	retirement	NOUN
fsr-3555	22	20	planning	planning	NOUN
fsr-3555	22	21	,	,	PUNCT
fsr-3555	22	22	even	even	ADV
fsr-3555	22	23	among	among	ADP
fsr-3555	22	24	younger	young	ADJ
fsr-3555	22	25	demographics	demographic	NOUN
fsr-3555	22	26	(	(	PUNCT
fsr-3555	22	27	macfarland	macfarland	NOUN
fsr-3555	22	28	et	et	NOUN
fsr-3555	22	29	al	al	PROPN
fsr-3555	22	30	.	.	PROPN
fsr-3555	22	31	,	,	PUNCT
fsr-3555	22	32	2004	2004	NUM
fsr-3555	22	33	)	)	PUNCT
fsr-3555	22	34	.	.	PUNCT
fsr-3555	23	1	a	a	DET
fsr-3555	23	2	report	report	NOUN
fsr-3555	23	3	by	by	ADP
fsr-3555	23	4	hsbc	hsbc	PROPN
fsr-3555	23	5	limited	limited	PROPN
fsr-3555	23	6	(	(	PUNCT
fsr-3555	23	7	2015	2015	NUM
fsr-3555	23	8	)	)	PUNCT
fsr-3555	23	9	on	on	ADP
fsr-3555	23	10	retirement	retirement	NOUN
fsr-3555	23	11	concerns	concern	NOUN
fsr-3555	23	12	in	in	ADP
fsr-3555	23	13	15	15	NUM
fsr-3555	23	14	countries	country	NOUN
fsr-3555	23	15	highlights	highlight	NOUN
fsr-3555	23	16	this	this	DET
fsr-3555	23	17	shift	shift	NOUN
fsr-3555	23	18	,	,	PUNCT
fsr-3555	23	19	with	with	ADP
fsr-3555	23	20	significant	significant	ADJ
fsr-3555	23	21	percentages	percentage	NOUN
fsr-3555	23	22	expressing	express	VERB
fsr-3555	23	23	anxiety	anxiety	NOUN
fsr-3555	23	24	about	about	ADP
fsr-3555	23	25	running	run	VERB
fsr-3555	23	26	out	out	ADP
fsr-3555	23	27	of	of	ADP
fsr-3555	23	28	retirement	retirement	NOUN
fsr-3555	23	29	funds	fund	NOUN
fsr-3555	23	30	and	and	CCONJ
fsr-3555	23	31	inadequate	inadequate	ADJ
fsr-3555	23	32	savings	saving	NOUN
fsr-3555	23	33	(	(	PUNCT
fsr-3555	23	34	kimiyaghalam	kimiyaghalam	PROPN
fsr-3555	23	35	et	et	PROPN
fsr-3555	23	36	al	al	PROPN
fsr-3555	23	37	.	.	PROPN
fsr-3555	23	38	,	,	PUNCT
fsr-3555	23	39	2017	2017	NUM
fsr-3555	23	40	)	)	PUNCT
fsr-3555	23	41	.	.	PUNCT
fsr-3555	24	1	despite	despite	SCONJ
fsr-3555	24	2	wide	wide	ADV
fsr-3555	24	3	-	-	PUNCT
fsr-3555	24	4	reaching	reach	VERB
fsr-3555	24	5	attention	attention	NOUN
fsr-3555	24	6	to	to	ADP
fsr-3555	24	7	retirement	retirement	NOUN
fsr-3555	24	8	planning	planning	NOUN
fsr-3555	24	9	,	,	PUNCT
fsr-3555	24	10	the	the	DET
fsr-3555	24	11	factors	factor	NOUN
fsr-3555	24	12	affecting	affect	VERB
fsr-3555	24	13	attitudes	attitude	NOUN
fsr-3555	24	14	and	and	CCONJ
fsr-3555	24	15	intentions	intention	NOUN
fsr-3555	24	16	towards	towards	ADP
fsr-3555	24	17	retirement	retirement	NOUN
fsr-3555	24	18	planning	planning	NOUN
fsr-3555	24	19	,	,	PUNCT
fsr-3555	24	20	particularly	particularly	ADV
fsr-3555	24	21	in	in	ADP
fsr-3555	24	22	developing	develop	VERB
fsr-3555	24	23	nations	nation	NOUN
fsr-3555	24	24	,	,	PUNCT
fsr-3555	24	25	has	have	AUX
fsr-3555	24	26	received	receive	VERB
fsr-3555	24	27	scant	scant	ADJ
fsr-3555	24	28	scholarly	scholarly	ADJ
fsr-3555	24	29	attention	attention	NOUN
fsr-3555	24	30	.	.	PUNCT
fsr-3555	25	1	numerous	numerous	ADJ
fsr-3555	25	2	studies	study	NOUN
fsr-3555	25	3	have	have	AUX
fsr-3555	25	4	emphasized	emphasize	VERB
fsr-3555	25	5	the	the	DET
fsr-3555	25	6	influence	influence	NOUN
fsr-3555	25	7	of	of	ADP
fsr-3555	25	8	financial	financial	ADJ
fsr-3555	25	9	literacy	literacy	NOUN
fsr-3555	25	10	and	and	CCONJ
fsr-3555	25	11	knowledge	knowledge	NOUN
fsr-3555	25	12	on	on	ADP
fsr-3555	25	13	retirement	retirement	NOUN
fsr-3555	25	14	planning	planning	NOUN
fsr-3555	25	15	attitudes	attitude	NOUN
fsr-3555	25	16	and	and	CCONJ
fsr-3555	25	17	intentions	intention	NOUN
fsr-3555	25	18	(	(	PUNCT
fsr-3555	25	19	e.g.	e.g.	ADV
fsr-3555	25	20	,	,	PUNCT
fsr-3555	25	21	lusardi	lusardi	PROPN
fsr-3555	25	22	&	&	CCONJ
fsr-3555	25	23	mitchell	mitchell	PROPN
fsr-3555	25	24	,	,	PUNCT
fsr-3555	25	25	2011	2011	NUM
fsr-3555	25	26	;	;	PUNCT
fsr-3555	25	27	meir	meir	PROPN
fsr-3555	25	28	et	et	PROPN
fsr-3555	25	29	al	al	PROPN
fsr-3555	25	30	.	.	PROPN
fsr-3555	25	31	,	,	PUNCT
fsr-3555	25	32	2016	2016	NUM
fsr-3555	25	33	;	;	PUNCT
fsr-3555	25	34	safari	safari	PROPN
fsr-3555	25	35	et	et	PROPN
fsr-3555	25	36	al	al	PROPN
fsr-3555	25	37	.	.	PROPN
fsr-3555	25	38	,	,	PUNCT
fsr-3555	25	39	2021	2021	NUM
fsr-3555	25	40	;	;	PUNCT
fsr-3555	25	41	van	van	PROPN
fsr-3555	25	42	rooij	rooij	NOUN
fsr-3555	25	43	et	et	PROPN
fsr-3555	25	44	al	al	PROPN
fsr-3555	25	45	.	.	PROPN
fsr-3555	25	46	,	,	PUNCT
fsr-3555	25	47	2012	2012	NUM
fsr-3555	25	48	)	)	PUNCT
fsr-3555	25	49	.	.	PUNCT
fsr-3555	26	1	however	however	ADV
fsr-3555	26	2	,	,	PUNCT
fsr-3555	26	3	little	little	ADJ
fsr-3555	26	4	research	research	NOUN
fsr-3555	26	5	has	have	AUX
fsr-3555	26	6	examined	examine	VERB
fsr-3555	26	7	the	the	DET
fsr-3555	26	8	cognitive	cognitive	ADJ
fsr-3555	26	9	aspects	aspect	NOUN
fsr-3555	26	10	influencing	influence	VERB
fsr-3555	26	11	these	these	DET
fsr-3555	26	12	attitudes	attitude	NOUN
fsr-3555	26	13	,	,	PUNCT
fsr-3555	26	14	such	such	ADJ
fsr-3555	26	15	as	as	ADP
fsr-3555	26	16	financial	financial	ADJ
fsr-3555	26	17	risk	risk	NOUN
fsr-3555	26	18	tolerance	tolerance	NOUN
fsr-3555	26	19	and	and	CCONJ
fsr-3555	26	20	self	self	NOUN
fsr-3555	26	21	-	-	PUNCT
fsr-3555	26	22	efficacy	efficacy	NOUN
fsr-3555	26	23	.	.	PUNCT
fsr-3555	27	1	moreover	moreover	ADV
fsr-3555	27	2	,	,	PUNCT
fsr-3555	27	3	retirement	retirement	NOUN
fsr-3555	27	4	planning	planning	NOUN
fsr-3555	27	5	,	,	PUNCT
fsr-3555	27	6	distinguished	distinguish	VERB
fsr-3555	27	7	from	from	ADP
fsr-3555	27	8	general	general	ADJ
fsr-3555	27	9	saving	saving	NOUN
fsr-3555	27	10	behaviors	behavior	NOUN
fsr-3555	27	11	,	,	PUNCT
fsr-3555	27	12	is	be	AUX
fsr-3555	27	13	complex	complex	ADJ
fsr-3555	27	14	and	and	CCONJ
fsr-3555	27	15	influenced	influence	VERB
fsr-3555	27	16	by	by	ADP
fsr-3555	27	17	various	various	ADJ
fsr-3555	27	18	demographic	demographic	ADJ
fsr-3555	27	19	,	,	PUNCT
fsr-3555	27	20	psychological	psychological	ADJ
fsr-3555	27	21	,	,	PUNCT
fsr-3555	27	22	and	and	CCONJ
fsr-3555	27	23	cultural	cultural	ADJ
fsr-3555	27	24	factors	factor	NOUN
fsr-3555	27	25	(	(	PUNCT
fsr-3555	27	26	kimiyaghalam	kimiyaghalam	PROPN
fsr-3555	27	27	et	et	PROPN
fsr-3555	27	28	al	al	PROPN
fsr-3555	27	29	.	.	PROPN
fsr-3555	27	30	,	,	PUNCT
fsr-3555	27	31	2017	2017	NUM
fsr-3555	27	32	;	;	PUNCT
fsr-3555	27	33	macfarland	macfarland	NOUN
fsr-3555	27	34	et	et	PROPN
fsr-3555	27	35	al	al	PROPN
fsr-3555	27	36	.	.	PROPN
fsr-3555	27	37	,	,	PUNCT
fsr-3555	27	38	2004	2004	NUM
fsr-3555	27	39	;	;	PUNCT
fsr-3555	27	40	petkoska	petkoska	PROPN
fsr-3555	27	41	&	&	CCONJ
fsr-3555	27	42	earl	earl	PROPN
fsr-3555	27	43	,	,	PUNCT
fsr-3555	27	44	2009	2009	NUM
fsr-3555	27	45	)	)	PUNCT
fsr-3555	27	46	.	.	PUNCT
fsr-3555	28	1	even	even	ADV
fsr-3555	28	2	though	though	SCONJ
fsr-3555	28	3	financial	financial	ADJ
fsr-3555	28	4	self	self	NOUN
fsr-3555	28	5	-	-	PUNCT
fsr-3555	28	6	efficacy	efficacy	NOUN
fsr-3555	28	7	is	be	AUX
fsr-3555	28	8	a	a	DET
fsr-3555	28	9	well	well	ADV
fsr-3555	28	10	-	-	PUNCT
fsr-3555	28	11	versed	verse	VERB
fsr-3555	28	12	topic	topic	NOUN
fsr-3555	28	13	in	in	ADP
fsr-3555	28	14	personal	personal	ADJ
fsr-3555	28	15	finance	finance	NOUN
fsr-3555	28	16	,	,	PUNCT
fsr-3555	28	17	little	little	ADJ
fsr-3555	28	18	research	research	NOUN
fsr-3555	28	19	has	have	AUX
fsr-3555	28	20	explored	explore	VERB
fsr-3555	28	21	how	how	SCONJ
fsr-3555	28	22	it	it	PRON
fsr-3555	28	23	impacts	impact	VERB
fsr-3555	28	24	personal	personal	ADJ
fsr-3555	28	25	financial	financial	ADJ
fsr-3555	28	26	management	management	NOUN
fsr-3555	28	27	behavior	behavior	NOUN
fsr-3555	28	28	(	(	PUNCT
fsr-3555	28	29	goyal	goyal	NOUN
fsr-3555	28	30	et	et	PROPN
fsr-3555	28	31	al	al	PROPN
fsr-3555	28	32	.	.	PROPN
fsr-3555	28	33	,	,	PUNCT
fsr-3555	28	34	2022	2022	NUM
fsr-3555	28	35	)	)	PUNCT
fsr-3555	28	36	.	.	PUNCT
fsr-3555	29	1	our	our	PRON
fsr-3555	29	2	study	study	NOUN
fsr-3555	29	3	aims	aim	VERB
fsr-3555	29	4	to	to	PART
fsr-3555	29	5	fill	fill	VERB
fsr-3555	29	6	this	this	DET
fsr-3555	29	7	gap	gap	NOUN
fsr-3555	29	8	by	by	ADP
fsr-3555	29	9	exploring	explore	VERB
fsr-3555	29	10	how	how	SCONJ
fsr-3555	29	11	cognitive	cognitive	ADJ
fsr-3555	29	12	factors	factor	NOUN
fsr-3555	29	13	and	and	CCONJ
fsr-3555	29	14	financial	financial	ADJ
fsr-3555	29	15	resource	resource	NOUN
fsr-3555	29	16	availability	availability	NOUN
fsr-3555	29	17	affect	affect	VERB
fsr-3555	29	18	retirement	retirement	NOUN
fsr-3555	29	19	planning	planning	NOUN
fsr-3555	29	20	intentions	intention	NOUN
fsr-3555	29	21	in	in	ADP
fsr-3555	29	22	a	a	DET
fsr-3555	29	23	developing	develop	VERB
fsr-3555	29	24	country	country	NOUN
fsr-3555	29	25	context	context	NOUN
fsr-3555	29	26	,	,	PUNCT
fsr-3555	29	27	using	use	VERB
fsr-3555	29	28	bangladesh	bangladesh	NOUN
fsr-3555	29	29	as	as	ADP
fsr-3555	29	30	a	a	DET
fsr-3555	29	31	case	case	NOUN
fsr-3555	29	32	study	study	NOUN
fsr-3555	29	33	.	.	PUNCT
fsr-3555	30	1	our	our	PRON
fsr-3555	30	2	research	research	NOUN
fsr-3555	30	3	enriches	enrich	VERB
fsr-3555	30	4	the	the	DET
fsr-3555	30	5	literature	literature	NOUN
fsr-3555	30	6	by	by	ADP
fsr-3555	30	7	incorporating	incorporate	VERB
fsr-3555	30	8	cognitive	cognitive	ADJ
fsr-3555	30	9	appraisal	appraisal	NOUN
fsr-3555	30	10	theory	theory	NOUN
fsr-3555	30	11	(	(	PUNCT
fsr-3555	30	12	lazarus	lazarus	PROPN
fsr-3555	30	13	&	&	CCONJ
fsr-3555	30	14	alfert	alfert	PROPN
fsr-3555	30	15	,	,	PUNCT
fsr-3555	30	16	1964	1964	NUM
fsr-3555	30	17	)	)	PUNCT
fsr-3555	30	18	and	and	CCONJ
fsr-3555	30	19	examining	examine	VERB
fsr-3555	30	20	the	the	DET
fsr-3555	30	21	roles	role	NOUN
fsr-3555	30	22	of	of	ADP
fsr-3555	30	23	financial	financial	ADJ
fsr-3555	30	24	risk	risk	NOUN
fsr-3555	30	25	tolerance	tolerance	NOUN
fsr-3555	30	26	and	and	CCONJ
fsr-3555	30	27	self	self	NOUN
fsr-3555	30	28	-	-	PUNCT
fsr-3555	30	29	efficacy	efficacy	NOUN
fsr-3555	30	30	on	on	ADP
fsr-3555	30	31	retirement	retirement	NOUN
fsr-3555	30	32	planning	planning	NOUN
fsr-3555	30	33	intention	intention	NOUN
fsr-3555	30	34	through	through	ADP
fsr-3555	30	35	a	a	DET
fsr-3555	30	36	person	person	NOUN
fsr-3555	30	37	’s	’s	PART
fsr-3555	30	38	retirement	retirement	NOUN
fsr-3555	30	39	planning	planning	NOUN
fsr-3555	30	40	attitude	attitude	NOUN
fsr-3555	30	41	.	.	PUNCT
fsr-3555	31	1	we	we	PRON
fsr-3555	31	2	investigate	investigate	VERB
fsr-3555	31	3	how	how	SCONJ
fsr-3555	31	4	these	these	DET
fsr-3555	31	5	cognitive	cognitive	ADJ
fsr-3555	31	6	beliefs	belief	NOUN
fsr-3555	31	7	,	,	PUNCT
fsr-3555	31	8	formed	form	VERB
fsr-3555	31	9	through	through	ADP
fsr-3555	31	10	the	the	DET
fsr-3555	31	11	perception	perception	NOUN
fsr-3555	31	12	and	and	CCONJ
fsr-3555	31	13	assessment	assessment	NOUN
fsr-3555	31	14	of	of	ADP
fsr-3555	31	15	financial	financial	ADJ
fsr-3555	31	16	scenarios	scenario	NOUN
fsr-3555	31	17	,	,	PUNCT
fsr-3555	31	18	influence	influence	NOUN
fsr-3555	31	19	retirement	retirement	NOUN
fsr-3555	31	20	planning	planning	NOUN
fsr-3555	31	21	attitudes	attitude	NOUN
fsr-3555	31	22	and	and	CCONJ
fsr-3555	31	23	intentions	intention	NOUN
fsr-3555	31	24	.	.	PUNCT
fsr-3555	32	1	we	we	PRON
fsr-3555	32	2	propose	propose	VERB
fsr-3555	32	3	and	and	CCONJ
fsr-3555	32	4	test	test	VERB
fsr-3555	32	5	a	a	DET
fsr-3555	32	6	moderated	moderated	ADJ
fsr-3555	32	7	mediation	mediation	NOUN
fsr-3555	32	8	model	model	NOUN
fsr-3555	32	9	to	to	PART
fsr-3555	32	10	examine	examine	VERB
fsr-3555	32	11	the	the	DET
fsr-3555	32	12	moderating	moderate	VERB
fsr-3555	32	13	effect	effect	NOUN
fsr-3555	32	14	of	of	ADP
fsr-3555	32	15	financial	financial	ADJ
fsr-3555	32	16	resource	resource	NOUN
fsr-3555	32	17	availability	availability	NOUN
fsr-3555	32	18	,	,	PUNCT
fsr-3555	32	19	acknowledging	acknowledge	VERB
fsr-3555	32	20	its	its	PRON
fsr-3555	32	21	significant	significant	ADJ
fsr-3555	32	22	impact	impact	NOUN
fsr-3555	32	23	on	on	ADP
fsr-3555	32	24	the	the	DET
fsr-3555	32	25	relationship	relationship	NOUN
fsr-3555	32	26	between	between	ADP
fsr-3555	32	27	retirement	retirement	NOUN
fsr-3555	32	28	planning	planning	NOUN
fsr-3555	32	29	attitudes	attitude	NOUN
fsr-3555	32	30	and	and	CCONJ
fsr-3555	32	31	intentions	intention	NOUN
fsr-3555	32	32	.	.	PUNCT
fsr-3555	33	1	this	this	DET
fsr-3555	33	2	study	study	NOUN
fsr-3555	33	3	addresses	address	VERB
fsr-3555	33	4	a	a	DET
fsr-3555	33	5	critical	critical	ADJ
fsr-3555	33	6	gap	gap	NOUN
fsr-3555	33	7	in	in	ADP
fsr-3555	33	8	the	the	DET
fsr-3555	33	9	literature	literature	NOUN
fsr-3555	33	10	by	by	ADP
fsr-3555	33	11	focusing	focus	VERB
fsr-3555	33	12	on	on	ADP
fsr-3555	33	13	the	the	DET
fsr-3555	33	14	context	context	NOUN
fsr-3555	33	15	of	of	ADP
fsr-3555	33	16	a	a	DET
fsr-3555	33	17	developing	develop	VERB
fsr-3555	33	18	country	country	NOUN
fsr-3555	33	19	and	and	CCONJ
fsr-3555	33	20	offers	offer	VERB
fsr-3555	33	21	new	new	ADJ
fsr-3555	33	22	insights	insight	NOUN
fsr-3555	33	23	into	into	ADP
fsr-3555	33	24	the	the	DET
fsr-3555	33	25	cognitive	cognitive	ADJ
fsr-3555	33	26	foundations	foundation	NOUN
fsr-3555	33	27	of	of	ADP
fsr-3555	33	28	retirement	retirement	NOUN
fsr-3555	33	29	planning	planning	NOUN
fsr-3555	33	30	.	.	PUNCT
fsr-3555	34	1	it	it	PRON
fsr-3555	34	2	enhances	enhance	VERB
fsr-3555	34	3	understanding	understanding	NOUN
fsr-3555	34	4	of	of	ADP
fsr-3555	34	5	the	the	DET
fsr-3555	34	6	interplay	interplay	NOUN
fsr-3555	34	7	between	between	ADP
fsr-3555	34	8	individual	individual	ADJ
fsr-3555	34	9	beliefs	belief	NOUN
fsr-3555	34	10	and	and	CCONJ
fsr-3555	34	11	financial	financial	ADJ
fsr-3555	34	12	conditions	condition	NOUN
fsr-3555	34	13	in	in	ADP
fsr-3555	34	14	shaping	shape	VERB
fsr-3555	34	15	retirement	retirement	NOUN
fsr-3555	34	16	planning	planning	NOUN
fsr-3555	34	17	intentions	intention	NOUN
fsr-3555	34	18	,	,	PUNCT
fsr-3555	34	19	providing	provide	VERB
fsr-3555	34	20	valuable	valuable	ADJ
fsr-3555	34	21	implications	implication	NOUN
fsr-3555	34	22	for	for	ADP
fsr-3555	34	23	policymakers	policymaker	NOUN
fsr-3555	34	24	,	,	PUNCT
fsr-3555	34	25	financial	financial	ADJ
fsr-3555	34	26	advisors	advisor	NOUN
fsr-3555	34	27	,	,	PUNCT
fsr-3555	34	28	and	and	CCONJ
fsr-3555	34	29	individuals	individual	NOUN
fsr-3555	34	30	in	in	ADP
fsr-3555	34	31	emerging	emerge	VERB
fsr-3555	34	32	economies	economy	NOUN
fsr-3555	34	33	.	.	PUNCT
fsr-3555	35	1	literature	literature	NOUN
fsr-3555	35	2	review	review	VERB
fsr-3555	35	3	retirement	retirement	NOUN
fsr-3555	35	4	planning	planning	NOUN
fsr-3555	35	5	intention	intention	NOUN
fsr-3555	35	6	in	in	ADP
fsr-3555	35	7	the	the	DET
fsr-3555	35	8	realm	realm	NOUN
fsr-3555	35	9	of	of	ADP
fsr-3555	35	10	retirement	retirement	NOUN
fsr-3555	35	11	planning	planning	NOUN
fsr-3555	35	12	,	,	PUNCT
fsr-3555	35	13	understanding	understand	VERB
fsr-3555	35	14	the	the	DET
fsr-3555	35	15	allocation	allocation	NOUN
fsr-3555	35	16	of	of	ADP
fsr-3555	35	17	income	income	NOUN
fsr-3555	35	18	for	for	ADP
fsr-3555	35	19	saving	saving	NOUN
fsr-3555	35	20	,	,	PUNCT
fsr-3555	35	21	investing	investing	NOUN
fsr-3555	35	22	,	,	PUNCT
fsr-3555	35	23	and	and	CCONJ
fsr-3555	35	24	spending	spending	NOUN
fsr-3555	35	25	during	during	ADP
fsr-3555	35	26	retirement	retirement	NOUN
fsr-3555	35	27	is	be	AUX
fsr-3555	35	28	critical	critical	ADJ
fsr-3555	35	29	(	(	PUNCT
fsr-3555	35	30	kimiyaghalam	kimiyaghalam	PROPN
fsr-3555	35	31	et	et	PROPN
fsr-3555	35	32	al	al	PROPN
fsr-3555	35	33	.	.	PROPN
fsr-3555	35	34	,	,	PUNCT
fsr-3555	35	35	2017	2017	NUM
fsr-3555	35	36	)	)	PUNCT
fsr-3555	35	37	.	.	PUNCT
fsr-3555	36	1	behavioral	behavioral	ADJ
fsr-3555	36	2	finance	finance	NOUN
fsr-3555	36	3	research	research	NOUN
fsr-3555	36	4	suggests	suggest	VERB
fsr-3555	36	5	that	that	SCONJ
fsr-3555	36	6	the	the	DET
fsr-3555	36	7	financial	financial	ADJ
fsr-3555	36	8	behavior	behavior	NOUN
fsr-3555	36	9	of	of	ADP
fsr-3555	36	10	investors	investor	NOUN
fsr-3555	36	11	is	be	AUX
fsr-3555	36	12	shaped	shape	VERB
fsr-3555	36	13	by	by	ADP
fsr-3555	36	14	their	their	PRON
fsr-3555	36	15	attitudes	attitude	NOUN
fsr-3555	36	16	(	(	PUNCT
fsr-3555	36	17	roberts	roberts	PROPN
fsr-3555	36	18	&	&	CCONJ
fsr-3555	36	19	jones	jones	PROPN
fsr-3555	36	20	,	,	PUNCT
fsr-3555	36	21	2001	2001	NUM
fsr-3555	36	22	)	)	PUNCT
fsr-3555	36	23	.	.	PUNCT
fsr-3555	37	1	studies	study	NOUN
fsr-3555	37	2	have	have	AUX
fsr-3555	37	3	identified	identify	VERB
fsr-3555	37	4	saving	save	VERB
fsr-3555	37	5	attitudes	attitude	NOUN
fsr-3555	37	6	as	as	ADP
fsr-3555	37	7	key	key	ADJ
fsr-3555	37	8	predictors	predictor	NOUN
fsr-3555	37	9	of	of	ADP
fsr-3555	37	10	retirement	retirement	NOUN
fsr-3555	37	11	planning	planning	NOUN
fsr-3555	37	12	,	,	PUNCT
fsr-3555	37	13	with	with	ADP
fsr-3555	37	14	a	a	DET
fsr-3555	37	15	positive	positive	ADJ
fsr-3555	37	16	orientation	orientation	NOUN
fsr-3555	37	17	towards	towards	ADP
fsr-3555	37	18	retirement	retirement	NOUN
fsr-3555	37	19	linked	link	VERB
fsr-3555	37	20	to	to	ADP
fsr-3555	37	21	more	more	ADV
fsr-3555	37	22	extensive	extensive	ADJ
fsr-3555	37	23	ahamed	ahamed	PROPN
fsr-3555	37	24	&	&	CCONJ
fsr-3555	37	25	limbu	limbu	PROPN
fsr-3555	37	26	79	79	NUM
fsr-3555	37	27	financial	financial	ADJ
fsr-3555	37	28	planning	planning	NOUN
fsr-3555	37	29	(	(	PUNCT
fsr-3555	37	30	kimiyaghalam	kimiyaghalam	PROPN
fsr-3555	37	31	et	et	PROPN
fsr-3555	37	32	al	al	PROPN
fsr-3555	37	33	.	.	PROPN
fsr-3555	37	34	,	,	PUNCT
fsr-3555	37	35	2017	2017	NUM
fsr-3555	37	36	;	;	PUNCT
fsr-3555	37	37	taylor‐carter	taylor‐carter	PUNCT
fsr-3555	37	38	et	et	PROPN
fsr-3555	37	39	al	al	PROPN
fsr-3555	37	40	.	.	PROPN
fsr-3555	37	41	,	,	PUNCT
fsr-3555	37	42	1997	1997	NUM
fsr-3555	37	43	)	)	PUNCT
fsr-3555	37	44	.	.	PUNCT
fsr-3555	38	1	much	much	ADJ
fsr-3555	38	2	of	of	ADP
fsr-3555	38	3	the	the	DET
fsr-3555	38	4	existing	exist	VERB
fsr-3555	38	5	literature	literature	NOUN
fsr-3555	38	6	has	have	AUX
fsr-3555	38	7	centered	center	VERB
fsr-3555	38	8	on	on	ADP
fsr-3555	38	9	the	the	DET
fsr-3555	38	10	impact	impact	NOUN
fsr-3555	38	11	of	of	ADP
fsr-3555	38	12	financial	financial	ADJ
fsr-3555	38	13	literacy	literacy	NOUN
fsr-3555	38	14	and	and	CCONJ
fsr-3555	38	15	knowledge	knowledge	NOUN
fsr-3555	38	16	on	on	ADP
fsr-3555	38	17	retirement	retirement	NOUN
fsr-3555	38	18	planning	planning	NOUN
fsr-3555	38	19	attitudes	attitude	NOUN
fsr-3555	38	20	and	and	CCONJ
fsr-3555	38	21	intentions	intention	NOUN
fsr-3555	38	22	(	(	PUNCT
fsr-3555	38	23	lusardi	lusardi	PROPN
fsr-3555	38	24	&	&	CCONJ
fsr-3555	38	25	mitchell	mitchell	PROPN
fsr-3555	38	26	,	,	PUNCT
fsr-3555	38	27	2011	2011	NUM
fsr-3555	38	28	;	;	PUNCT
fsr-3555	38	29	meir	meir	PROPN
fsr-3555	38	30	et	et	PROPN
fsr-3555	38	31	al	al	PROPN
fsr-3555	38	32	.	.	PROPN
fsr-3555	38	33	,	,	PUNCT
fsr-3555	38	34	2016	2016	NUM
fsr-3555	38	35	;	;	PUNCT
fsr-3555	38	36	safari	safari	PROPN
fsr-3555	38	37	et	et	PROPN
fsr-3555	38	38	al	al	PROPN
fsr-3555	38	39	.	.	PROPN
fsr-3555	38	40	,	,	PUNCT
fsr-3555	38	41	2021	2021	NUM
fsr-3555	38	42	;	;	PUNCT
fsr-3555	38	43	van	van	PROPN
fsr-3555	38	44	rooij	rooij	NOUN
fsr-3555	38	45	et	et	PROPN
fsr-3555	38	46	al	al	PROPN
fsr-3555	38	47	.	.	PROPN
fsr-3555	38	48	,	,	PUNCT
fsr-3555	38	49	2012	2012	NUM
fsr-3555	38	50	)	)	PUNCT
fsr-3555	38	51	,	,	PUNCT
fsr-3555	38	52	leaving	leave	VERB
fsr-3555	38	53	the	the	DET
fsr-3555	38	54	cognitive	cognitive	ADJ
fsr-3555	38	55	factors	factor	NOUN
fsr-3555	38	56	influencing	influence	VERB
fsr-3555	38	57	these	these	DET
fsr-3555	38	58	attitudes	attitude	NOUN
fsr-3555	38	59	relatively	relatively	ADV
fsr-3555	38	60	unexplored	unexplored	ADJ
fsr-3555	38	61	.	.	PUNCT
fsr-3555	39	1	this	this	DET
fsr-3555	39	2	study	study	NOUN
fsr-3555	39	3	leverages	leverage	VERB
fsr-3555	39	4	cognitive	cognitive	ADJ
fsr-3555	39	5	appraisal	appraisal	NOUN
fsr-3555	39	6	theory	theory	NOUN
fsr-3555	39	7	(	(	PUNCT
fsr-3555	39	8	lazarus	lazarus	PROPN
fsr-3555	39	9	&	&	CCONJ
fsr-3555	39	10	alfert	alfert	PROPN
fsr-3555	39	11	,	,	PUNCT
fsr-3555	39	12	1964	1964	NUM
fsr-3555	39	13	)	)	PUNCT
fsr-3555	39	14	,	,	PUNCT
fsr-3555	39	15	widely	widely	ADV
fsr-3555	39	16	used	use	VERB
fsr-3555	39	17	in	in	ADP
fsr-3555	39	18	psychology	psychology	NOUN
fsr-3555	39	19	to	to	PART
fsr-3555	39	20	understand	understand	VERB
fsr-3555	39	21	how	how	SCONJ
fsr-3555	39	22	emotions	emotion	NOUN
fsr-3555	39	23	are	be	AUX
fsr-3555	39	24	shaped	shape	VERB
fsr-3555	39	25	by	by	ADP
fsr-3555	39	26	personal	personal	ADJ
fsr-3555	39	27	interpretations	interpretation	NOUN
fsr-3555	39	28	and	and	CCONJ
fsr-3555	39	29	evaluations	evaluation	NOUN
fsr-3555	39	30	of	of	ADP
fsr-3555	39	31	situations	situation	NOUN
fsr-3555	39	32	,	,	PUNCT
fsr-3555	39	33	to	to	PART
fsr-3555	39	34	dissect	dissect	VERB
fsr-3555	39	35	the	the	DET
fsr-3555	39	36	cognitive	cognitive	ADJ
fsr-3555	39	37	underpinnings	underpinning	NOUN
fsr-3555	39	38	of	of	ADP
fsr-3555	39	39	retirement	retirement	NOUN
fsr-3555	39	40	planning	planning	NOUN
fsr-3555	39	41	.	.	PUNCT
fsr-3555	40	1	it	it	PRON
fsr-3555	40	2	is	be	AUX
fsr-3555	40	3	important	important	ADJ
fsr-3555	40	4	to	to	PART
fsr-3555	40	5	note	note	VERB
fsr-3555	40	6	that	that	SCONJ
fsr-3555	40	7	this	this	DET
fsr-3555	40	8	theory	theory	NOUN
fsr-3555	40	9	has	have	AUX
fsr-3555	40	10	been	be	AUX
fsr-3555	40	11	applied	apply	VERB
fsr-3555	40	12	to	to	ADP
fsr-3555	40	13	a	a	DET
fsr-3555	40	14	variety	variety	NOUN
fsr-3555	40	15	of	of	ADP
fsr-3555	40	16	psychological	psychological	ADJ
fsr-3555	40	17	fields	field	NOUN
fsr-3555	40	18	,	,	PUNCT
fsr-3555	40	19	including	include	VERB
fsr-3555	40	20	stress	stress	NOUN
fsr-3555	40	21	research	research	NOUN
fsr-3555	40	22	,	,	PUNCT
fsr-3555	40	23	health	health	NOUN
fsr-3555	40	24	psychology	psychology	NOUN
fsr-3555	40	25	,	,	PUNCT
fsr-3555	40	26	and	and	CCONJ
fsr-3555	40	27	emotion	emotion	NOUN
fsr-3555	40	28	regulation	regulation	NOUN
fsr-3555	40	29	(	(	PUNCT
fsr-3555	40	30	chen	chen	PROPN
fsr-3555	40	31	&	&	CCONJ
fsr-3555	40	32	matthews	matthews	PROPN
fsr-3555	40	33	,	,	PUNCT
fsr-3555	40	34	2003	2003	NUM
fsr-3555	40	35	;	;	PUNCT
fsr-3555	40	36	sorić	sorić	VERB
fsr-3555	40	37	et	et	PROPN
fsr-3555	40	38	al	al	PROPN
fsr-3555	40	39	.	.	PROPN
fsr-3555	40	40	,	,	PUNCT
fsr-3555	40	41	2013	2013	NUM
fsr-3555	40	42	;	;	PUNCT
fsr-3555	40	43	yih	yih	X
fsr-3555	40	44	et	et	PROPN
fsr-3555	40	45	al	al	PROPN
fsr-3555	40	46	.	.	PROPN
fsr-3555	40	47	,	,	PUNCT
fsr-3555	40	48	2019	2019	NUM
fsr-3555	40	49	)	)	PUNCT
fsr-3555	40	50	.	.	PUNCT
fsr-3555	41	1	this	this	DET
fsr-3555	41	2	investigation	investigation	NOUN
fsr-3555	41	3	examines	examine	VERB
fsr-3555	41	4	how	how	SCONJ
fsr-3555	41	5	financial	financial	ADJ
fsr-3555	41	6	risk	risk	NOUN
fsr-3555	41	7	tolerance	tolerance	NOUN
fsr-3555	41	8	and	and	CCONJ
fsr-3555	41	9	selfefficacy	selfefficacy	NOUN
fsr-3555	41	10	as	as	ADP
fsr-3555	41	11	cognitive	cognitive	ADJ
fsr-3555	41	12	dimensions	dimension	NOUN
fsr-3555	41	13	affect	affect	VERB
fsr-3555	41	14	retirement	retirement	NOUN
fsr-3555	41	15	planning	planning	NOUN
fsr-3555	41	16	intentions	intention	NOUN
fsr-3555	41	17	and	and	CCONJ
fsr-3555	41	18	how	how	SCONJ
fsr-3555	41	19	retirement	retirement	NOUN
fsr-3555	41	20	planning	planning	NOUN
fsr-3555	41	21	attitudes	attitude	NOUN
fsr-3555	41	22	mediate	mediate	VERB
fsr-3555	41	23	this	this	DET
fsr-3555	41	24	effect	effect	NOUN
fsr-3555	41	25	.	.	PUNCT
fsr-3555	42	1	moreover	moreover	ADV
fsr-3555	42	2	,	,	PUNCT
fsr-3555	42	3	we	we	PRON
fsr-3555	42	4	examine	examine	VERB
fsr-3555	42	5	the	the	DET
fsr-3555	42	6	moderating	moderate	VERB
fsr-3555	42	7	effect	effect	NOUN
fsr-3555	42	8	of	of	ADP
fsr-3555	42	9	an	an	DET
fsr-3555	42	10	individual	individual	NOUN
fsr-3555	42	11	's	's	PART
fsr-3555	42	12	financial	financial	ADJ
fsr-3555	42	13	availability	availability	NOUN
fsr-3555	42	14	on	on	ADP
fsr-3555	42	15	these	these	DET
fsr-3555	42	16	relationships	relationship	NOUN
fsr-3555	42	17	,	,	PUNCT
fsr-3555	42	18	providing	provide	VERB
fsr-3555	42	19	a	a	DET
fsr-3555	42	20	nuanced	nuanced	ADJ
fsr-3555	42	21	understanding	understanding	NOUN
fsr-3555	42	22	of	of	ADP
fsr-3555	42	23	the	the	DET
fsr-3555	42	24	interplay	interplay	NOUN
fsr-3555	42	25	between	between	ADP
fsr-3555	42	26	cognitive	cognitive	ADJ
fsr-3555	42	27	factors	factor	NOUN
fsr-3555	42	28	and	and	CCONJ
fsr-3555	42	29	financial	financial	ADJ
fsr-3555	42	30	circumstances	circumstance	NOUN
fsr-3555	42	31	in	in	ADP
fsr-3555	42	32	shaping	shape	VERB
fsr-3555	42	33	retirement	retirement	NOUN
fsr-3555	42	34	planning	planning	NOUN
fsr-3555	42	35	behavior	behavior	NOUN
fsr-3555	42	36	.	.	PUNCT
fsr-3555	43	1	the	the	DET
fsr-3555	43	2	ensuing	ensue	VERB
fsr-3555	43	3	sections	section	NOUN
fsr-3555	43	4	detail	detail	VERB
fsr-3555	43	5	the	the	DET
fsr-3555	43	6	study	study	NOUN
fsr-3555	43	7	variables	variable	NOUN
fsr-3555	43	8	and	and	CCONJ
fsr-3555	43	9	a	a	DET
fsr-3555	43	10	conceptual	conceptual	ADJ
fsr-3555	43	11	framework	framework	NOUN
fsr-3555	43	12	for	for	ADP
fsr-3555	43	13	this	this	DET
fsr-3555	43	14	study	study	NOUN
fsr-3555	43	15	.	.	PUNCT
fsr-3555	44	1	financial	financial	ADJ
fsr-3555	44	2	risk	risk	NOUN
fsr-3555	44	3	tolerance	tolerance	NOUN
fsr-3555	44	4	over	over	ADP
fsr-3555	44	5	the	the	DET
fsr-3555	44	6	past	past	ADJ
fsr-3555	44	7	20	20	NUM
fsr-3555	44	8	years	year	NOUN
fsr-3555	44	9	,	,	PUNCT
fsr-3555	44	10	there	there	PRON
fsr-3555	44	11	has	have	AUX
fsr-3555	44	12	been	be	AUX
fsr-3555	44	13	an	an	DET
fsr-3555	44	14	increase	increase	NOUN
fsr-3555	44	15	in	in	ADP
fsr-3555	44	16	interest	interest	NOUN
fsr-3555	44	17	among	among	ADP
fsr-3555	44	18	researchers	researcher	NOUN
fsr-3555	44	19	,	,	PUNCT
fsr-3555	44	20	policymakers	policymaker	NOUN
fsr-3555	44	21	,	,	PUNCT
fsr-3555	44	22	and	and	CCONJ
fsr-3555	44	23	investment	investment	NOUN
fsr-3555	44	24	advisers	adviser	NOUN
fsr-3555	44	25	in	in	ADP
fsr-3555	44	26	understanding	understand	VERB
fsr-3555	44	27	risky	risky	ADJ
fsr-3555	44	28	financial	financial	ADJ
fsr-3555	44	29	decisions	decision	NOUN
fsr-3555	44	30	(	(	PUNCT
fsr-3555	44	31	grable	grable	NOUN
fsr-3555	44	32	,	,	PUNCT
fsr-3555	44	33	2016	2016	NUM
fsr-3555	44	34	)	)	PUNCT
fsr-3555	44	35	.	.	PUNCT
fsr-3555	45	1	risk	risk	NOUN
fsr-3555	45	2	tolerance	tolerance	NOUN
fsr-3555	45	3	,	,	PUNCT
fsr-3555	45	4	conceptualized	conceptualize	VERB
fsr-3555	45	5	as	as	ADP
fsr-3555	45	6	an	an	DET
fsr-3555	45	7	individual	individual	NOUN
fsr-3555	45	8	's	's	PART
fsr-3555	45	9	propensity	propensity	NOUN
fsr-3555	45	10	to	to	PART
fsr-3555	45	11	engage	engage	VERB
fsr-3555	45	12	in	in	ADP
fsr-3555	45	13	either	either	CCONJ
fsr-3555	45	14	riskier	risky	ADJ
fsr-3555	45	15	or	or	CCONJ
fsr-3555	45	16	more	more	ADV
fsr-3555	45	17	conservative	conservative	ADJ
fsr-3555	45	18	investment	investment	NOUN
fsr-3555	45	19	decisions	decision	NOUN
fsr-3555	45	20	,	,	PUNCT
fsr-3555	45	21	is	be	AUX
fsr-3555	45	22	increasingly	increasingly	ADV
fsr-3555	45	23	being	be	AUX
fsr-3555	45	24	recognized	recognize	VERB
fsr-3555	45	25	as	as	ADP
fsr-3555	45	26	a	a	DET
fsr-3555	45	27	central	central	ADJ
fsr-3555	45	28	theme	theme	NOUN
fsr-3555	45	29	in	in	ADP
fsr-3555	45	30	financial	financial	ADJ
fsr-3555	45	31	decision	decision	NOUN
fsr-3555	45	32	-	-	PUNCT
fsr-3555	45	33	making	make	VERB
fsr-3555	45	34	research	research	NOUN
fsr-3555	45	35	.	.	PUNCT
fsr-3555	46	1	recognized	recognize	VERB
fsr-3555	46	2	as	as	ADP
fsr-3555	46	3	a	a	DET
fsr-3555	46	4	cognitive	cognitive	ADJ
fsr-3555	46	5	belief	belief	NOUN
fsr-3555	46	6	,	,	PUNCT
fsr-3555	46	7	financial	financial	ADJ
fsr-3555	46	8	risk	risk	NOUN
fsr-3555	46	9	tolerance	tolerance	NOUN
fsr-3555	46	10	encompasses	encompass	VERB
fsr-3555	46	11	an	an	DET
fsr-3555	46	12	individual	individual	NOUN
fsr-3555	46	13	's	's	PART
fsr-3555	46	14	perceptions	perception	NOUN
fsr-3555	46	15	and	and	CCONJ
fsr-3555	46	16	mental	mental	ADJ
fsr-3555	46	17	processes	process	NOUN
fsr-3555	46	18	surrounding	surround	VERB
fsr-3555	46	19	risk	risk	NOUN
fsr-3555	46	20	,	,	PUNCT
fsr-3555	46	21	and	and	CCONJ
fsr-3555	46	22	their	their	PRON
fsr-3555	46	23	capacity	capacity	NOUN
fsr-3555	46	24	to	to	PART
fsr-3555	46	25	handle	handle	VERB
fsr-3555	46	26	potential	potential	ADJ
fsr-3555	46	27	losses	loss	NOUN
fsr-3555	46	28	,	,	PUNCT
fsr-3555	46	29	rather	rather	ADV
fsr-3555	46	30	than	than	ADP
fsr-3555	46	31	tangible	tangible	ADJ
fsr-3555	46	32	behaviors	behavior	NOUN
fsr-3555	46	33	or	or	CCONJ
fsr-3555	46	34	outcomes	outcome	NOUN
fsr-3555	46	35	(	(	PUNCT
fsr-3555	46	36	bayar	bayar	PROPN
fsr-3555	46	37	et	et	PROPN
fsr-3555	46	38	al	al	PROPN
fsr-3555	46	39	.	.	PROPN
fsr-3555	46	40	,	,	PUNCT
fsr-3555	46	41	2020	2020	NUM
fsr-3555	46	42	;	;	PUNCT
fsr-3555	46	43	grable	grable	ADJ
fsr-3555	46	44	,	,	PUNCT
fsr-3555	46	45	2016	2016	NUM
fsr-3555	46	46	;	;	PUNCT
fsr-3555	46	47	jacobs	jacobs	PROPN
fsr-3555	46	48	-	-	PUNCT
fsr-3555	46	49	lawson	lawson	PROPN
fsr-3555	46	50	&	&	CCONJ
fsr-3555	46	51	hershey	hershey	PROPN
fsr-3555	46	52	,	,	PUNCT
fsr-3555	46	53	2005	2005	NUM
fsr-3555	46	54	)	)	PUNCT
fsr-3555	46	55	.	.	PUNCT
fsr-3555	47	1	following	follow	VERB
fsr-3555	47	2	grable	grable	PROPN
fsr-3555	47	3	's	's	PART
fsr-3555	47	4	(	(	PUNCT
fsr-3555	47	5	2000	2000	NUM
fsr-3555	47	6	)	)	PUNCT
fsr-3555	47	7	definition	definition	NOUN
fsr-3555	47	8	,	,	PUNCT
fsr-3555	47	9	financial	financial	ADJ
fsr-3555	47	10	risk	risk	NOUN
fsr-3555	47	11	tolerance	tolerance	NOUN
fsr-3555	47	12	is	be	AUX
fsr-3555	47	13	described	describe	VERB
fsr-3555	47	14	as	as	ADP
fsr-3555	47	15	an	an	DET
fsr-3555	47	16	individual	individual	NOUN
fsr-3555	47	17	's	's	PART
fsr-3555	47	18	willingness	willingness	NOUN
fsr-3555	47	19	to	to	PART
fsr-3555	47	20	endure	endure	VERB
fsr-3555	47	21	uncertainty	uncertainty	NOUN
fsr-3555	47	22	in	in	ADP
fsr-3555	47	23	financial	financial	ADJ
fsr-3555	47	24	decisions	decision	NOUN
fsr-3555	47	25	.	.	PUNCT
fsr-3555	48	1	an	an	DET
fsr-3555	48	2	individual	individual	NOUN
fsr-3555	48	3	’s	’s	PART
fsr-3555	48	4	propensity	propensity	NOUN
fsr-3555	48	5	for	for	ADP
fsr-3555	48	6	financial	financial	ADJ
fsr-3555	48	7	risktaking	risktaking	NOUN
fsr-3555	48	8	significantly	significantly	ADV
fsr-3555	48	9	influences	influence	VERB
fsr-3555	48	10	their	their	PRON
fsr-3555	48	11	investment	investment	NOUN
fsr-3555	48	12	choices	choice	NOUN
fsr-3555	48	13	and	and	CCONJ
fsr-3555	48	14	,	,	PUNCT
fsr-3555	48	15	consequently	consequently	ADV
fsr-3555	48	16	,	,	PUNCT
fsr-3555	48	17	their	their	PRON
fsr-3555	48	18	overall	overall	ADJ
fsr-3555	48	19	financial	financial	ADJ
fsr-3555	48	20	behavior	behavior	NOUN
fsr-3555	48	21	,	,	PUNCT
fsr-3555	48	22	including	include	VERB
fsr-3555	48	23	key	key	ADJ
fsr-3555	48	24	areas	area	NOUN
fsr-3555	48	25	such	such	ADJ
fsr-3555	48	26	as	as	ADP
fsr-3555	48	27	retirement	retirement	NOUN
fsr-3555	48	28	planning	planning	NOUN
fsr-3555	48	29	(	(	PUNCT
fsr-3555	48	30	bapat	bapat	NOUN
fsr-3555	48	31	,	,	PUNCT
fsr-3555	48	32	2020	2020	NUM
fsr-3555	48	33	;	;	PUNCT
fsr-3555	48	34	garman	garman	PROPN
fsr-3555	48	35	&	&	CCONJ
fsr-3555	48	36	forgue	forgue	PROPN
fsr-3555	48	37	,	,	PUNCT
fsr-3555	48	38	2014	2014	NUM
fsr-3555	48	39	;	;	PUNCT
fsr-3555	48	40	grable	grable	NOUN
fsr-3555	48	41	,	,	PUNCT
fsr-3555	48	42	2016	2016	NUM
fsr-3555	48	43	;	;	PUNCT
fsr-3555	48	44	mathew	mathew	PROPN
fsr-3555	48	45	et	et	PROPN
fsr-3555	48	46	al	al	PROPN
fsr-3555	48	47	.	.	PROPN
fsr-3555	48	48	,	,	PUNCT
fsr-3555	48	49	2022	2022	NUM
fsr-3555	48	50	)	)	PUNCT
fsr-3555	48	51	.	.	PUNCT
fsr-3555	49	1	financial	financial	ADJ
fsr-3555	49	2	risk	risk	NOUN
fsr-3555	49	3	tolerance	tolerance	NOUN
fsr-3555	49	4	is	be	AUX
fsr-3555	49	5	instrumental	instrumental	ADJ
fsr-3555	49	6	in	in	ADP
fsr-3555	49	7	shaping	shape	VERB
fsr-3555	49	8	how	how	SCONJ
fsr-3555	49	9	much	much	ADJ
fsr-3555	49	10	one	one	NUM
fsr-3555	49	11	allocates	allocate	NOUN
fsr-3555	49	12	towards	towards	ADP
fsr-3555	49	13	various	various	ADJ
fsr-3555	49	14	financial	financial	ADJ
fsr-3555	49	15	safety	safety	NOUN
fsr-3555	49	16	nets	net	NOUN
fsr-3555	49	17	like	like	ADP
fsr-3555	49	18	emergency	emergency	NOUN
fsr-3555	49	19	and	and	CCONJ
fsr-3555	49	20	pension	pension	NOUN
fsr-3555	49	21	funds	fund	NOUN
fsr-3555	49	22	(	(	PUNCT
fsr-3555	49	23	harahap	harahap	PROPN
fsr-3555	49	24	et	et	PROPN
fsr-3555	49	25	al	al	PROPN
fsr-3555	49	26	.	.	PROPN
fsr-3555	49	27	,	,	PUNCT
fsr-3555	49	28	2022	2022	NUM
fsr-3555	49	29	)	)	PUNCT
fsr-3555	49	30	.	.	PUNCT
fsr-3555	50	1	the	the	DET
fsr-3555	50	2	literature	literature	NOUN
fsr-3555	50	3	on	on	ADP
fsr-3555	50	4	general	general	ADJ
fsr-3555	50	5	investments	investment	NOUN
fsr-3555	50	6	and	and	CCONJ
fsr-3555	50	7	retirement	retirement	NOUN
fsr-3555	50	8	planning	planning	NOUN
fsr-3555	50	9	consistently	consistently	ADV
fsr-3555	50	10	indicates	indicate	VERB
fsr-3555	50	11	that	that	SCONJ
fsr-3555	50	12	risk	risk	NOUN
fsr-3555	50	13	-	-	PUNCT
fsr-3555	50	14	tolerant	tolerant	ADJ
fsr-3555	50	15	individuals	individual	NOUN
fsr-3555	50	16	are	be	AUX
fsr-3555	50	17	inclined	incline	VERB
fsr-3555	50	18	towards	towards	ADP
fsr-3555	50	19	high	high	ADJ
fsr-3555	50	20	-	-	PUNCT
fsr-3555	50	21	risk	risk	NOUN
fsr-3555	50	22	assets	asset	NOUN
fsr-3555	50	23	or	or	CCONJ
fsr-3555	50	24	larger	large	ADJ
fsr-3555	50	25	defined	define	VERB
fsr-3555	50	26	contribution	contribution	NOUN
fsr-3555	50	27	plans	plan	NOUN
fsr-3555	50	28	,	,	PUNCT
fsr-3555	50	29	while	while	SCONJ
fsr-3555	50	30	risk	risk	NOUN
fsr-3555	50	31	-	-	PUNCT
fsr-3555	50	32	averse	averse	ADJ
fsr-3555	50	33	individuals	individual	NOUN
fsr-3555	50	34	prefer	prefer	VERB
fsr-3555	50	35	safer	safe	ADJ
fsr-3555	50	36	investments	investment	NOUN
fsr-3555	50	37	like	like	ADP
fsr-3555	50	38	bonds	bond	NOUN
fsr-3555	50	39	(	(	PUNCT
fsr-3555	50	40	jacobslawson	jacobslawson	PROPN
fsr-3555	50	41	&	&	CCONJ
fsr-3555	50	42	hershey	hershey	PROPN
fsr-3555	50	43	,	,	PUNCT
fsr-3555	50	44	2005	2005	NUM
fsr-3555	50	45	;	;	PUNCT
fsr-3555	50	46	park	park	NOUN
fsr-3555	50	47	&	&	CCONJ
fsr-3555	50	48	martin	martin	PROPN
fsr-3555	50	49	,	,	PUNCT
fsr-3555	50	50	2022	2022	NUM
fsr-3555	50	51	)	)	PUNCT
fsr-3555	50	52	.	.	PUNCT
fsr-3555	51	1	existing	exist	VERB
fsr-3555	51	2	research	research	NOUN
fsr-3555	51	3	also	also	ADV
fsr-3555	51	4	suggests	suggest	VERB
fsr-3555	51	5	that	that	SCONJ
fsr-3555	51	6	higher	high	ADJ
fsr-3555	51	7	risk	risk	NOUN
fsr-3555	51	8	tolerance	tolerance	NOUN
fsr-3555	51	9	correlates	correlate	VERB
fsr-3555	51	10	with	with	ADP
fsr-3555	51	11	more	more	ADV
fsr-3555	51	12	comprehensive	comprehensive	ADJ
fsr-3555	51	13	planning	planning	NOUN
fsr-3555	51	14	,	,	PUNCT
fsr-3555	51	15	higher	high	ADJ
fsr-3555	51	16	income	income	NOUN
fsr-3555	51	17	,	,	PUNCT
fsr-3555	51	18	and	and	CCONJ
fsr-3555	51	19	inversely	inversely	ADV
fsr-3555	51	20	with	with	ADP
fsr-3555	51	21	age	age	NOUN
fsr-3555	51	22	(	(	PUNCT
fsr-3555	51	23	deaves	deaf	NOUN
fsr-3555	51	24	et	et	PROPN
fsr-3555	51	25	al	al	PROPN
fsr-3555	51	26	.	.	PROPN
fsr-3555	51	27	,	,	PUNCT
fsr-3555	51	28	2007	2007	NUM
fsr-3555	51	29	)	)	PUNCT
fsr-3555	51	30	.	.	PUNCT
fsr-3555	52	1	however	however	ADV
fsr-3555	52	2	,	,	PUNCT
fsr-3555	52	3	croy	croy	PROPN
fsr-3555	52	4	et	et	PROPN
fsr-3555	52	5	al	al	PROPN
fsr-3555	52	6	.	.	PROPN
fsr-3555	53	1	(	(	PUNCT
fsr-3555	53	2	2010	2010	NUM
fsr-3555	53	3	)	)	PUNCT
fsr-3555	53	4	noted	note	VERB
fsr-3555	53	5	this	this	DET
fsr-3555	53	6	correlation	correlation	NOUN
fsr-3555	53	7	is	be	AUX
fsr-3555	53	8	specific	specific	ADJ
fsr-3555	53	9	to	to	ADP
fsr-3555	53	10	equity	equity	NOUN
fsr-3555	53	11	investment	investment	NOUN
fsr-3555	53	12	decisions	decision	NOUN
fsr-3555	53	13	,	,	PUNCT
fsr-3555	53	14	not	not	PART
fsr-3555	53	15	additional	additional	ADJ
fsr-3555	53	16	contributions	contribution	NOUN
fsr-3555	53	17	.	.	PUNCT
fsr-3555	54	1	in	in	ADP
fsr-3555	54	2	the	the	DET
fsr-3555	54	3	united	united	PROPN
fsr-3555	54	4	states	states	PROPN
fsr-3555	54	5	,	,	PUNCT
fsr-3555	54	6	risk	risk	NOUN
fsr-3555	54	7	tolerance	tolerance	NOUN
fsr-3555	54	8	positively	positively	ADV
fsr-3555	54	9	impacts	impact	VERB
fsr-3555	54	10	retirement	retirement	NOUN
fsr-3555	54	11	planning	planning	NOUN
fsr-3555	54	12	(	(	PUNCT
fsr-3555	54	13	park	park	NOUN
fsr-3555	54	14	&	&	CCONJ
fsr-3555	54	15	martin	martin	PROPN
fsr-3555	54	16	,	,	PUNCT
fsr-3555	54	17	2022	2022	NUM
fsr-3555	54	18	)	)	PUNCT
fsr-3555	54	19	,	,	PUNCT
fsr-3555	54	20	while	while	SCONJ
fsr-3555	54	21	in	in	ADP
fsr-3555	54	22	indonesia	indonesia	PROPN
fsr-3555	54	23	,	,	PUNCT
fsr-3555	54	24	entrepreneurs	entrepreneur	NOUN
fsr-3555	54	25	with	with	ADP
fsr-3555	54	26	high	high	ADJ
fsr-3555	54	27	financial	financial	ADJ
fsr-3555	54	28	risk	risk	NOUN
fsr-3555	54	29	tolerance	tolerance	NOUN
fsr-3555	54	30	demonstrate	demonstrate	VERB
fsr-3555	54	31	more	more	ADV
fsr-3555	54	32	robust	robust	ADJ
fsr-3555	54	33	saving	saving	NOUN
fsr-3555	54	34	behaviors	behavior	NOUN
fsr-3555	54	35	(	(	PUNCT
fsr-3555	54	36	harahap	harahap	PROPN
fsr-3555	54	37	et	et	PROPN
fsr-3555	54	38	al	al	PROPN
fsr-3555	54	39	.	.	PROPN
fsr-3555	54	40	,	,	PUNCT
fsr-3555	54	41	2022	2022	NUM
fsr-3555	54	42	)	)	PUNCT
fsr-3555	54	43	.	.	PUNCT
fsr-3555	55	1	contrarily	contrarily	ADV
fsr-3555	55	2	,	,	PUNCT
fsr-3555	55	3	studies	study	NOUN
fsr-3555	55	4	in	in	ADP
fsr-3555	55	5	india	india	PROPN
fsr-3555	55	6	(	(	PUNCT
fsr-3555	55	7	garman	garman	PROPN
fsr-3555	55	8	&	&	CCONJ
fsr-3555	55	9	forgue	forgue	PROPN
fsr-3555	55	10	,	,	PUNCT
fsr-3555	55	11	2014	2014	NUM
fsr-3555	55	12	;	;	PUNCT
fsr-3555	55	13	mathew	mathew	PROPN
fsr-3555	55	14	et	et	PROPN
fsr-3555	55	15	al	al	PROPN
fsr-3555	55	16	.	.	PROPN
fsr-3555	55	17	,	,	PUNCT
fsr-3555	55	18	2022	2022	NUM
fsr-3555	55	19	)	)	PUNCT
fsr-3555	55	20	indicate	indicate	VERB
fsr-3555	55	21	a	a	DET
fsr-3555	55	22	negative	negative	ADJ
fsr-3555	55	23	impact	impact	NOUN
fsr-3555	55	24	of	of	ADP
fsr-3555	55	25	risk	risk	NOUN
fsr-3555	55	26	tolerance	tolerance	NOUN
fsr-3555	55	27	on	on	ADP
fsr-3555	55	28	financial	financial	ADJ
fsr-3555	55	29	well	well	NOUN
fsr-3555	55	30	-	-	PUNCT
fsr-3555	55	31	being	being	NOUN
fsr-3555	55	32	,	,	PUNCT
fsr-3555	55	33	attributed	attribute	VERB
fsr-3555	55	34	to	to	ADP
fsr-3555	55	35	cultural	cultural	ADJ
fsr-3555	55	36	factors	factor	NOUN
fsr-3555	55	37	leading	lead	VERB
fsr-3555	55	38	to	to	ADP
fsr-3555	55	39	less	less	ADV
fsr-3555	55	40	materialistic	materialistic	ADJ
fsr-3555	55	41	tendencies	tendency	NOUN
fsr-3555	55	42	and	and	CCONJ
fsr-3555	55	43	satisfaction	satisfaction	NOUN
fsr-3555	55	44	with	with	ADP
fsr-3555	55	45	safer	safe	ADJ
fsr-3555	55	46	,	,	PUNCT
fsr-3555	55	47	lower	low	ADJ
fsr-3555	55	48	returns	return	NOUN
fsr-3555	55	49	.	.	PUNCT
fsr-3555	56	1	interestingly	interestingly	ADV
fsr-3555	56	2	,	,	PUNCT
fsr-3555	56	3	younger	young	ADJ
fsr-3555	56	4	indians	indian	NOUN
fsr-3555	56	5	show	show	VERB
fsr-3555	56	6	a	a	DET
fsr-3555	56	7	trend	trend	NOUN
fsr-3555	56	8	towards	towards	ADP
fsr-3555	56	9	riskier	risky	ADJ
fsr-3555	56	10	investments	investment	NOUN
fsr-3555	56	11	like	like	ADP
fsr-3555	56	12	stocks	stock	NOUN
fsr-3555	56	13	;	;	PUNCT
fsr-3555	56	14	a	a	DET
fsr-3555	56	15	similar	similar	ADJ
fsr-3555	56	16	pattern	pattern	NOUN
fsr-3555	56	17	was	be	AUX
fsr-3555	56	18	observed	observe	VERB
fsr-3555	56	19	among	among	ADP
fsr-3555	56	20	financially	financially	ADV
fsr-3555	56	21	stable	stable	ADJ
fsr-3555	56	22	bangladeshis	bangladeshis	X
fsr-3555	56	23	living	live	VERB
fsr-3555	56	24	in	in	ADP
fsr-3555	56	25	urban	urban	ADJ
fsr-3555	56	26	areas	area	NOUN
fsr-3555	56	27	(	(	PUNCT
fsr-3555	56	28	ahamed	ahamed	PROPN
fsr-3555	56	29	&	&	CCONJ
fsr-3555	56	30	limbu	limbu	PROPN
fsr-3555	56	31	,	,	PUNCT
fsr-3555	56	32	2018	2018	NUM
fsr-3555	56	33	)	)	PUNCT
fsr-3555	56	34	.	.	PUNCT
fsr-3555	57	1	research	research	NOUN
fsr-3555	57	2	on	on	ADP
fsr-3555	57	3	financial	financial	ADJ
fsr-3555	57	4	risk	risk	NOUN
fsr-3555	57	5	tolerance	tolerance	NOUN
fsr-3555	57	6	primarily	primarily	ADV
fsr-3555	57	7	centers	center	VERB
fsr-3555	57	8	on	on	ADP
fsr-3555	57	9	general	general	ADJ
fsr-3555	57	10	investment	investment	NOUN
fsr-3555	57	11	decisions	decision	NOUN
fsr-3555	57	12	,	,	PUNCT
fsr-3555	57	13	with	with	ADP
fsr-3555	57	14	limited	limited	ADJ
fsr-3555	57	15	focus	focus	NOUN
fsr-3555	57	16	on	on	ADP
fsr-3555	57	17	its	its	PRON
fsr-3555	57	18	impact	impact	NOUN
fsr-3555	57	19	on	on	ADP
fsr-3555	57	20	retirement	retirement	NOUN
fsr-3555	57	21	savings	saving	NOUN
fsr-3555	57	22	plans	plan	NOUN
fsr-3555	57	23	(	(	PUNCT
fsr-3555	57	24	jacobs	jacobs	PROPN
fsr-3555	57	25	-	-	PUNCT
fsr-3555	57	26	lawson	lawson	PROPN
fsr-3555	57	27	&	&	CCONJ
fsr-3555	57	28	hershey	hershey	PROPN
fsr-3555	57	29	,	,	PUNCT
fsr-3555	57	30	2005	2005	NUM
fsr-3555	57	31	;	;	PUNCT
fsr-3555	57	32	park	park	NOUN
fsr-3555	57	33	&	&	CCONJ
fsr-3555	57	34	martin	martin	PROPN
fsr-3555	57	35	,	,	PUNCT
fsr-3555	57	36	2022	2022	NUM
fsr-3555	57	37	)	)	PUNCT
fsr-3555	57	38	.	.	PUNCT
fsr-3555	58	1	the	the	DET
fsr-3555	58	2	current	current	ADJ
fsr-3555	58	3	study	study	NOUN
fsr-3555	58	4	seeks	seek	VERB
fsr-3555	58	5	to	to	PART
fsr-3555	58	6	bridge	bridge	VERB
fsr-3555	58	7	this	this	DET
fsr-3555	58	8	gap	gap	NOUN
fsr-3555	58	9	,	,	PUNCT
fsr-3555	58	10	particularly	particularly	ADV
fsr-3555	58	11	in	in	ADP
fsr-3555	58	12	the	the	DET
fsr-3555	58	13	context	context	NOUN
fsr-3555	58	14	of	of	ADP
fsr-3555	58	15	a	a	DET
fsr-3555	58	16	nonwestern	nonwestern	ADJ
fsr-3555	58	17	developing	develop	VERB
fsr-3555	58	18	country	country	NOUN
fsr-3555	58	19	undergoing	undergo	VERB
fsr-3555	58	20	rapid	rapid	ADJ
fsr-3555	58	21	economic	economic	ADJ
fsr-3555	58	22	and	and	CCONJ
fsr-3555	58	23	social	social	ADJ
fsr-3555	58	24	transformations	transformation	NOUN
fsr-3555	58	25	.	.	PUNCT
fsr-3555	59	1	by	by	ADP
fsr-3555	59	2	examining	examine	VERB
fsr-3555	59	3	financial	financial	ADJ
fsr-3555	59	4	risk	risk	NOUN
fsr-3555	59	5	tolerance	tolerance	NOUN
fsr-3555	59	6	as	as	ADP
fsr-3555	59	7	a	a	DET
fsr-3555	59	8	key	key	ADJ
fsr-3555	59	9	cognitive	cognitive	ADJ
fsr-3555	59	10	belief	belief	NOUN
fsr-3555	59	11	influencing	influence	VERB
fsr-3555	59	12	retirement	retirement	NOUN
fsr-3555	59	13	planning	planning	NOUN
fsr-3555	59	14	attitudes	attitude	NOUN
fsr-3555	59	15	,	,	PUNCT
fsr-3555	59	16	this	this	DET
fsr-3555	59	17	research	research	NOUN
fsr-3555	59	18	aims	aim	VERB
fsr-3555	59	19	to	to	PART
fsr-3555	59	20	enrich	enrich	VERB
fsr-3555	59	21	the	the	DET
fsr-3555	59	22	financial	financial	ADJ
fsr-3555	59	23	services	service	NOUN
fsr-3555	59	24	review	review	NOUN
fsr-3555	59	25	,	,	PUNCT
fsr-3555	59	26	32(2	32(2	NUM
fsr-3555	59	27	)	)	PUNCT
fsr-3555	59	28	80	80	NUM
fsr-3555	60	1	understanding	understanding	NOUN
fsr-3555	60	2	of	of	ADP
fsr-3555	60	3	retirement	retirement	NOUN
fsr-3555	60	4	planning	planning	NOUN
fsr-3555	60	5	behaviors	behavior	NOUN
fsr-3555	60	6	in	in	ADP
fsr-3555	60	7	evolving	evolve	VERB
fsr-3555	60	8	economic	economic	ADJ
fsr-3555	60	9	landscapes	landscape	NOUN
fsr-3555	60	10	.	.	PUNCT
fsr-3555	61	1	financial	financial	ADJ
fsr-3555	61	2	self	self	NOUN
fsr-3555	61	3	-	-	PUNCT
fsr-3555	61	4	efficacy	efficacy	NOUN
fsr-3555	61	5	bandura	bandura	NOUN
fsr-3555	61	6	's	's	PART
fsr-3555	61	7	social	social	ADJ
fsr-3555	61	8	cognitive	cognitive	ADJ
fsr-3555	61	9	theory	theory	NOUN
fsr-3555	61	10	,	,	PUNCT
fsr-3555	61	11	foundational	foundational	ADJ
fsr-3555	61	12	in	in	ADP
fsr-3555	61	13	self	self	NOUN
fsr-3555	61	14	-	-	PUNCT
fsr-3555	61	15	efficacy	efficacy	NOUN
fsr-3555	61	16	research	research	NOUN
fsr-3555	61	17	(	(	PUNCT
fsr-3555	61	18	bandura	bandura	NOUN
fsr-3555	61	19	,	,	PUNCT
fsr-3555	61	20	1982	1982	NUM
fsr-3555	61	21	,	,	PUNCT
fsr-3555	61	22	2012	2012	NUM
fsr-3555	61	23	)	)	PUNCT
fsr-3555	61	24	,	,	PUNCT
fsr-3555	61	25	posits	posit	VERB
fsr-3555	61	26	that	that	SCONJ
fsr-3555	61	27	an	an	DET
fsr-3555	61	28	individual	individual	NOUN
fsr-3555	61	29	's	's	PART
fsr-3555	61	30	self	self	NOUN
fsr-3555	61	31	-	-	PUNCT
fsr-3555	61	32	efficacy	efficacy	NOUN
fsr-3555	61	33	,	,	PUNCT
fsr-3555	61	34	or	or	CCONJ
fsr-3555	61	35	belief	belief	NOUN
fsr-3555	61	36	in	in	ADP
fsr-3555	61	37	their	their	PRON
fsr-3555	61	38	capability	capability	NOUN
fsr-3555	61	39	to	to	PART
fsr-3555	61	40	execute	execute	VERB
fsr-3555	61	41	tasks	task	NOUN
fsr-3555	61	42	and	and	CCONJ
fsr-3555	61	43	manage	manage	VERB
fsr-3555	61	44	life	life	NOUN
fsr-3555	61	45	's	's	PART
fsr-3555	61	46	challenges	challenge	NOUN
fsr-3555	61	47	,	,	PUNCT
fsr-3555	61	48	is	be	AUX
fsr-3555	61	49	pivotal	pivotal	ADJ
fsr-3555	61	50	(	(	PUNCT
fsr-3555	61	51	bandura	bandura	NOUN
fsr-3555	61	52	,	,	PUNCT
fsr-3555	61	53	2006	2006	NUM
fsr-3555	61	54	;	;	PUNCT
fsr-3555	61	55	farrell	farrell	PROPN
fsr-3555	61	56	et	et	PROPN
fsr-3555	61	57	al	al	PROPN
fsr-3555	61	58	.	.	PROPN
fsr-3555	61	59	,	,	PUNCT
fsr-3555	61	60	2016	2016	NUM
fsr-3555	61	61	)	)	PUNCT
fsr-3555	61	62	.	.	PUNCT
fsr-3555	62	1	self	self	NOUN
fsr-3555	62	2	-	-	PUNCT
fsr-3555	62	3	efficacy	efficacy	NOUN
fsr-3555	62	4	,	,	PUNCT
fsr-3555	62	5	a	a	DET
fsr-3555	62	6	multidimensional	multidimensional	ADJ
fsr-3555	62	7	construct	construct	NOUN
fsr-3555	62	8	encompassing	encompass	VERB
fsr-3555	62	9	beliefs	belief	NOUN
fsr-3555	62	10	about	about	ADP
fsr-3555	62	11	personal	personal	ADJ
fsr-3555	62	12	control	control	NOUN
fsr-3555	62	13	and	and	CCONJ
fsr-3555	62	14	performance	performance	NOUN
fsr-3555	62	15	,	,	PUNCT
fsr-3555	62	16	significantly	significantly	ADV
fsr-3555	62	17	influences	influence	VERB
fsr-3555	62	18	motivation	motivation	NOUN
fsr-3555	62	19	and	and	CCONJ
fsr-3555	62	20	task	task	NOUN
fsr-3555	62	21	persistence	persistence	NOUN
fsr-3555	62	22	,	,	PUNCT
fsr-3555	62	23	with	with	ADP
fsr-3555	62	24	lower	low	ADJ
fsr-3555	62	25	levels	level	NOUN
fsr-3555	62	26	often	often	ADV
fsr-3555	62	27	leading	lead	VERB
fsr-3555	62	28	to	to	ADP
fsr-3555	62	29	disengagement	disengagement	NOUN
fsr-3555	62	30	or	or	CCONJ
fsr-3555	62	31	reduced	reduce	VERB
fsr-3555	62	32	effort	effort	NOUN
fsr-3555	62	33	in	in	ADP
fsr-3555	62	34	the	the	DET
fsr-3555	62	35	face	face	NOUN
fsr-3555	62	36	of	of	ADP
fsr-3555	62	37	adversity	adversity	NOUN
fsr-3555	62	38	(	(	PUNCT
fsr-3555	62	39	fan	fan	NOUN
fsr-3555	62	40	,	,	PUNCT
fsr-3555	62	41	2022	2022	NUM
fsr-3555	62	42	;	;	PUNCT
fsr-3555	62	43	furrebøe	furrebøe	NOUN
fsr-3555	62	44	&	&	CCONJ
fsr-3555	62	45	nyhus	nyhus	PROPN
fsr-3555	62	46	,	,	PUNCT
fsr-3555	62	47	2022	2022	NUM
fsr-3555	62	48	;	;	PUNCT
fsr-3555	62	49	goyal	goyal	PROPN
fsr-3555	62	50	et	et	PROPN
fsr-3555	62	51	al	al	PROPN
fsr-3555	62	52	.	.	PROPN
fsr-3555	62	53	,	,	PUNCT
fsr-3555	62	54	2022	2022	NUM
fsr-3555	62	55	)	)	PUNCT
fsr-3555	62	56	.	.	PUNCT
fsr-3555	63	1	within	within	ADP
fsr-3555	63	2	this	this	DET
fsr-3555	63	3	framework	framework	NOUN
fsr-3555	63	4	,	,	PUNCT
fsr-3555	63	5	financial	financial	ADJ
fsr-3555	63	6	self	self	NOUN
fsr-3555	63	7	-	-	PUNCT
fsr-3555	63	8	efficacy	efficacy	NOUN
fsr-3555	63	9	emerges	emerge	VERB
fsr-3555	63	10	as	as	ADP
fsr-3555	63	11	a	a	DET
fsr-3555	63	12	critical	critical	ADJ
fsr-3555	63	13	subset	subset	NOUN
fsr-3555	63	14	of	of	ADP
fsr-3555	63	15	general	general	ADJ
fsr-3555	63	16	selfefficacy	selfefficacy	NOUN
fsr-3555	63	17	,	,	PUNCT
fsr-3555	63	18	significantly	significantly	ADV
fsr-3555	63	19	predicting	predict	VERB
fsr-3555	63	20	financial	financial	ADJ
fsr-3555	63	21	behaviors	behavior	NOUN
fsr-3555	63	22	(	(	PUNCT
fsr-3555	63	23	fan	fan	NOUN
fsr-3555	63	24	,	,	PUNCT
fsr-3555	63	25	2022	2022	NUM
fsr-3555	63	26	;	;	PUNCT
fsr-3555	63	27	goyal	goyal	PROPN
fsr-3555	63	28	et	et	PROPN
fsr-3555	63	29	al	al	PROPN
fsr-3555	63	30	.	.	PROPN
fsr-3555	63	31	,	,	PUNCT
fsr-3555	63	32	2022	2022	NUM
fsr-3555	63	33	;	;	PUNCT
fsr-3555	63	34	lone	lone	PROPN
fsr-3555	63	35	&	&	CCONJ
fsr-3555	63	36	bhat	bhat	PROPN
fsr-3555	63	37	,	,	PUNCT
fsr-3555	63	38	2022	2022	NUM
fsr-3555	63	39	)	)	PUNCT
fsr-3555	63	40	.	.	PUNCT
fsr-3555	64	1	defined	define	VERB
fsr-3555	64	2	as	as	ADP
fsr-3555	64	3	the	the	DET
fsr-3555	64	4	confidence	confidence	NOUN
fsr-3555	64	5	in	in	ADP
fsr-3555	64	6	one	one	NUM
fsr-3555	64	7	's	's	PART
fsr-3555	64	8	ability	ability	NOUN
fsr-3555	64	9	to	to	PART
fsr-3555	64	10	manage	manage	VERB
fsr-3555	64	11	personal	personal	ADJ
fsr-3555	64	12	finances	finance	NOUN
fsr-3555	64	13	effectively	effectively	ADV
fsr-3555	64	14	(	(	PUNCT
fsr-3555	64	15	fan	fan	NOUN
fsr-3555	64	16	,	,	PUNCT
fsr-3555	64	17	2022	2022	NUM
fsr-3555	64	18	;	;	PUNCT
fsr-3555	64	19	farrell	farrell	PROPN
fsr-3555	64	20	et	et	PROPN
fsr-3555	64	21	al	al	PROPN
fsr-3555	64	22	.	.	PROPN
fsr-3555	64	23	,	,	PUNCT
fsr-3555	64	24	2016	2016	NUM
fsr-3555	64	25	)	)	PUNCT
fsr-3555	64	26	,	,	PUNCT
fsr-3555	64	27	individuals	individual	NOUN
fsr-3555	64	28	with	with	ADP
fsr-3555	64	29	higher	high	ADJ
fsr-3555	64	30	financial	financial	ADJ
fsr-3555	64	31	self	self	NOUN
fsr-3555	64	32	-	-	PUNCT
fsr-3555	64	33	efficacy	efficacy	NOUN
fsr-3555	64	34	are	be	AUX
fsr-3555	64	35	more	more	ADV
fsr-3555	64	36	adept	adept	ADJ
fsr-3555	64	37	at	at	ADP
fsr-3555	64	38	controlling	control	VERB
fsr-3555	64	39	their	their	PRON
fsr-3555	64	40	finances	finance	NOUN
fsr-3555	64	41	and	and	CCONJ
fsr-3555	64	42	perceive	perceive	ADJ
fsr-3555	64	43	financial	financial	ADJ
fsr-3555	64	44	challenges	challenge	NOUN
fsr-3555	64	45	as	as	ADP
fsr-3555	64	46	opportunities	opportunity	NOUN
fsr-3555	64	47	rather	rather	ADV
fsr-3555	64	48	than	than	ADP
fsr-3555	64	49	threats	threat	NOUN
fsr-3555	64	50	.	.	PUNCT
fsr-3555	65	1	this	this	DET
fsr-3555	65	2	proactive	proactive	ADJ
fsr-3555	65	3	attitude	attitude	NOUN
fsr-3555	65	4	fosters	foster	VERB
fsr-3555	65	5	achievements	achievement	NOUN
fsr-3555	65	6	that	that	PRON
fsr-3555	65	7	further	far	ADV
fsr-3555	65	8	enhance	enhance	VERB
fsr-3555	65	9	financial	financial	ADJ
fsr-3555	65	10	outcomes	outcome	NOUN
fsr-3555	65	11	(	(	PUNCT
fsr-3555	65	12	farrell	farrell	PROPN
fsr-3555	65	13	et	et	PROPN
fsr-3555	65	14	al	al	PROPN
fsr-3555	65	15	.	.	PROPN
fsr-3555	65	16	,	,	PUNCT
fsr-3555	65	17	2016	2016	NUM
fsr-3555	65	18	)	)	PUNCT
fsr-3555	65	19	.	.	PUNCT
fsr-3555	66	1	high	high	ADJ
fsr-3555	66	2	financial	financial	ADJ
fsr-3555	66	3	self	self	NOUN
fsr-3555	66	4	-	-	PUNCT
fsr-3555	66	5	efficacy	efficacy	NOUN
fsr-3555	66	6	correlates	correlate	VERB
fsr-3555	66	7	with	with	ADP
fsr-3555	66	8	efficient	efficient	ADJ
fsr-3555	66	9	financial	financial	ADJ
fsr-3555	66	10	management	management	NOUN
fsr-3555	66	11	and	and	CCONJ
fsr-3555	66	12	positive	positive	ADJ
fsr-3555	66	13	financial	financial	ADJ
fsr-3555	66	14	results	result	NOUN
fsr-3555	66	15	(	(	PUNCT
fsr-3555	66	16	mathew	mathew	PROPN
fsr-3555	66	17	et	et	PROPN
fsr-3555	66	18	al	al	PROPN
fsr-3555	66	19	.	.	PROPN
fsr-3555	66	20	,	,	PUNCT
fsr-3555	66	21	2022	2022	NUM
fsr-3555	66	22	)	)	PUNCT
fsr-3555	66	23	.	.	PUNCT
fsr-3555	67	1	farrell	farrell	PROPN
fsr-3555	67	2	et	et	PROPN
fsr-3555	67	3	al	al	PROPN
fsr-3555	67	4	.	.	PROPN
fsr-3555	68	1	(	(	PUNCT
fsr-3555	68	2	2016	2016	NUM
fsr-3555	68	3	)	)	PUNCT
fsr-3555	68	4	found	find	VERB
fsr-3555	68	5	it	it	PRON
fsr-3555	68	6	to	to	PART
fsr-3555	68	7	be	be	AUX
fsr-3555	68	8	a	a	DET
fsr-3555	68	9	strong	strong	ADJ
fsr-3555	68	10	predictor	predictor	NOUN
fsr-3555	68	11	of	of	ADP
fsr-3555	68	12	investment	investment	NOUN
fsr-3555	68	13	and	and	CCONJ
fsr-3555	68	14	savings	saving	NOUN
fsr-3555	68	15	product	product	NOUN
fsr-3555	68	16	ownership	ownership	NOUN
fsr-3555	68	17	among	among	ADP
fsr-3555	68	18	women	woman	NOUN
fsr-3555	68	19	.	.	PUNCT
fsr-3555	69	1	tang	tang	PROPN
fsr-3555	69	2	et	et	PROPN
fsr-3555	69	3	al	al	PROPN
fsr-3555	69	4	.	.	PROPN
fsr-3555	70	1	(	(	PUNCT
fsr-3555	70	2	2019	2019	NUM
fsr-3555	70	3	)	)	PUNCT
fsr-3555	70	4	demonstrated	demonstrate	VERB
fsr-3555	70	5	its	its	PRON
fsr-3555	70	6	direct	direct	ADJ
fsr-3555	70	7	and	and	CCONJ
fsr-3555	70	8	indirect	indirect	ADJ
fsr-3555	70	9	impact	impact	NOUN
fsr-3555	70	10	on	on	ADP
fsr-3555	70	11	investment	investment	NOUN
fsr-3555	70	12	decisions	decision	NOUN
fsr-3555	70	13	,	,	PUNCT
fsr-3555	70	14	mediated	mediate	VERB
fsr-3555	70	15	by	by	ADP
fsr-3555	70	16	thinking	think	VERB
fsr-3555	70	17	styles	style	NOUN
fsr-3555	70	18	of	of	ADP
fsr-3555	70	19	investors	investor	NOUN
fsr-3555	70	20	.	.	PUNCT
fsr-3555	71	1	however	however	ADV
fsr-3555	71	2	,	,	PUNCT
fsr-3555	71	3	goyal	goyal	PROPN
fsr-3555	71	4	et	et	PROPN
fsr-3555	71	5	al	al	PROPN
fsr-3555	71	6	.	.	PROPN
fsr-3555	71	7	(	(	PUNCT
fsr-3555	71	8	2022	2022	NUM
fsr-3555	71	9	)	)	PUNCT
fsr-3555	71	10	observed	observe	VERB
fsr-3555	71	11	no	no	DET
fsr-3555	71	12	significant	significant	ADJ
fsr-3555	71	13	link	link	NOUN
fsr-3555	71	14	between	between	ADP
fsr-3555	71	15	financial	financial	ADJ
fsr-3555	71	16	self	self	NOUN
fsr-3555	71	17	-	-	PUNCT
fsr-3555	71	18	efficacy	efficacy	NOUN
fsr-3555	71	19	and	and	CCONJ
fsr-3555	71	20	personal	personal	ADJ
fsr-3555	71	21	financial	financial	ADJ
fsr-3555	71	22	management	management	NOUN
fsr-3555	71	23	behavior	behavior	NOUN
fsr-3555	71	24	,	,	PUNCT
fsr-3555	71	25	attributing	attribute	VERB
fsr-3555	71	26	this	this	PRON
fsr-3555	71	27	to	to	ADP
fsr-3555	71	28	external	external	ADJ
fsr-3555	71	29	factors	factor	NOUN
fsr-3555	71	30	like	like	ADP
fsr-3555	71	31	environmental	environmental	ADJ
fsr-3555	71	32	conditions	condition	NOUN
fsr-3555	71	33	,	,	PUNCT
fsr-3555	71	34	especially	especially	ADV
fsr-3555	71	35	in	in	ADP
fsr-3555	71	36	developing	develop	VERB
fsr-3555	71	37	countries	country	NOUN
fsr-3555	71	38	.	.	PUNCT
fsr-3555	72	1	financial	financial	ADJ
fsr-3555	72	2	self	self	NOUN
fsr-3555	72	3	-	-	PUNCT
fsr-3555	72	4	efficacy	efficacy	NOUN
fsr-3555	72	5	is	be	AUX
fsr-3555	72	6	closely	closely	ADV
fsr-3555	72	7	associated	associate	VERB
fsr-3555	72	8	with	with	ADP
fsr-3555	72	9	emotional	emotional	ADJ
fsr-3555	72	10	stability	stability	NOUN
fsr-3555	72	11	and	and	CCONJ
fsr-3555	72	12	informationprocessing	informationprocesse	VERB
fsr-3555	72	13	capabilities	capability	NOUN
fsr-3555	72	14	,	,	PUNCT
fsr-3555	72	15	essential	essential	ADJ
fsr-3555	72	16	for	for	ADP
fsr-3555	72	17	effective	effective	ADJ
fsr-3555	72	18	decision	decision	NOUN
fsr-3555	72	19	-	-	PUNCT
fsr-3555	72	20	making	making	NOUN
fsr-3555	72	21	(	(	PUNCT
fsr-3555	72	22	fan	fan	NOUN
fsr-3555	72	23	,	,	PUNCT
fsr-3555	72	24	2022	2022	NUM
fsr-3555	72	25	)	)	PUNCT
fsr-3555	72	26	.	.	PUNCT
fsr-3555	73	1	it	it	PRON
fsr-3555	73	2	reflects	reflect	VERB
fsr-3555	73	3	cognitive	cognitive	ADJ
fsr-3555	73	4	processes	process	NOUN
fsr-3555	73	5	such	such	ADJ
fsr-3555	73	6	as	as	ADP
fsr-3555	73	7	self	self	NOUN
fsr-3555	73	8	-	-	PUNCT
fsr-3555	73	9	assessment	assessment	NOUN
fsr-3555	73	10	,	,	PUNCT
fsr-3555	73	11	goal	goal	NOUN
fsr-3555	73	12	-	-	PUNCT
fsr-3555	73	13	setting	setting	NOUN
fsr-3555	73	14	,	,	PUNCT
fsr-3555	73	15	and	and	CCONJ
fsr-3555	73	16	strategic	strategic	ADJ
fsr-3555	73	17	planning	planning	NOUN
fsr-3555	73	18	.	.	PUNCT
fsr-3555	74	1	bandura	bandura	NOUN
fsr-3555	74	2	(	(	PUNCT
fsr-3555	74	3	2006	2006	NUM
fsr-3555	74	4	)	)	PUNCT
fsr-3555	74	5	emphasized	emphasize	VERB
fsr-3555	74	6	the	the	DET
fsr-3555	74	7	notion	notion	NOUN
fsr-3555	74	8	that	that	SCONJ
fsr-3555	74	9	individual	individual	ADJ
fsr-3555	74	10	behavior	behavior	NOUN
fsr-3555	74	11	is	be	AUX
fsr-3555	74	12	shaped	shape	VERB
fsr-3555	74	13	by	by	ADP
fsr-3555	74	14	internal	internal	ADJ
fsr-3555	74	15	experiences	experience	NOUN
fsr-3555	74	16	,	,	PUNCT
fsr-3555	74	17	environmental	environmental	ADJ
fsr-3555	74	18	contexts	contexts	NOUN
fsr-3555	74	19	,	,	PUNCT
fsr-3555	74	20	and	and	CCONJ
fsr-3555	74	21	perceptions	perception	NOUN
fsr-3555	74	22	.	.	PUNCT
fsr-3555	75	1	previous	previous	ADJ
fsr-3555	75	2	studies	study	NOUN
fsr-3555	75	3	have	have	AUX
fsr-3555	75	4	highlighted	highlight	VERB
fsr-3555	75	5	the	the	DET
fsr-3555	75	6	positive	positive	ADJ
fsr-3555	75	7	influence	influence	NOUN
fsr-3555	75	8	of	of	ADP
fsr-3555	75	9	financial	financial	ADJ
fsr-3555	75	10	knowledge	knowledge	NOUN
fsr-3555	75	11	(	(	PUNCT
fsr-3555	75	12	joo	joo	PROPN
fsr-3555	75	13	&	&	CCONJ
fsr-3555	75	14	grable	grable	PROPN
fsr-3555	75	15	,	,	PUNCT
fsr-3555	75	16	2005	2005	NUM
fsr-3555	75	17	;	;	PUNCT
fsr-3555	75	18	van	van	PROPN
fsr-3555	75	19	rooij	rooij	NOUN
fsr-3555	75	20	et	et	PROPN
fsr-3555	75	21	al	al	PROPN
fsr-3555	75	22	.	.	PROPN
fsr-3555	75	23	,	,	PUNCT
fsr-3555	75	24	2012	2012	NUM
fsr-3555	75	25	)	)	PUNCT
fsr-3555	75	26	and	and	CCONJ
fsr-3555	75	27	education	education	NOUN
fsr-3555	75	28	(	(	PUNCT
fsr-3555	75	29	macfarland	macfarland	NOUN
fsr-3555	75	30	et	et	NOUN
fsr-3555	75	31	al	al	PROPN
fsr-3555	75	32	.	.	PROPN
fsr-3555	75	33	,	,	PUNCT
fsr-3555	75	34	2004	2004	NUM
fsr-3555	75	35	)	)	PUNCT
fsr-3555	75	36	on	on	ADP
fsr-3555	75	37	retirement	retirement	NOUN
fsr-3555	75	38	planning	planning	NOUN
fsr-3555	75	39	.	.	PUNCT
fsr-3555	76	1	financial	financial	ADJ
fsr-3555	76	2	knowledge	knowledge	NOUN
fsr-3555	76	3	is	be	AUX
fsr-3555	76	4	also	also	ADV
fsr-3555	76	5	a	a	DET
fsr-3555	76	6	significant	significant	ADJ
fsr-3555	76	7	determinant	determinant	NOUN
fsr-3555	76	8	of	of	ADP
fsr-3555	76	9	financial	financial	ADJ
fsr-3555	76	10	selfefficacy	selfefficacy	NOUN
fsr-3555	76	11	and	and	CCONJ
fsr-3555	76	12	behavior	behavior	NOUN
fsr-3555	76	13	(	(	PUNCT
fsr-3555	76	14	lone	lone	PROPN
fsr-3555	76	15	&	&	CCONJ
fsr-3555	76	16	bhat	bhat	PROPN
fsr-3555	76	17	,	,	PUNCT
fsr-3555	76	18	2022	2022	NUM
fsr-3555	76	19	)	)	PUNCT
fsr-3555	76	20	.	.	PUNCT
fsr-3555	77	1	consequently	consequently	ADV
fsr-3555	77	2	,	,	PUNCT
fsr-3555	77	3	in	in	ADP
fsr-3555	77	4	a	a	DET
fsr-3555	77	5	similar	similar	ADJ
fsr-3555	77	6	line	line	NOUN
fsr-3555	77	7	of	of	ADP
fsr-3555	77	8	thinking	thinking	NOUN
fsr-3555	77	9	,	,	PUNCT
fsr-3555	77	10	this	this	DET
fsr-3555	77	11	current	current	ADJ
fsr-3555	77	12	study	study	NOUN
fsr-3555	77	13	explores	explore	VERB
fsr-3555	77	14	the	the	DET
fsr-3555	77	15	relationship	relationship	NOUN
fsr-3555	77	16	between	between	ADP
fsr-3555	77	17	behavior	behavior	NOUN
fsr-3555	77	18	skills	skill	NOUN
fsr-3555	77	19	(	(	PUNCT
fsr-3555	77	20	i.e.	i.e.	X
fsr-3555	77	21	,	,	PUNCT
fsr-3555	77	22	financial	financial	ADJ
fsr-3555	77	23	self	self	NOUN
fsr-3555	77	24	-	-	PUNCT
fsr-3555	77	25	efficacy	efficacy	NOUN
fsr-3555	77	26	)	)	PUNCT
fsr-3555	77	27	and	and	CCONJ
fsr-3555	77	28	attitude	attitude	NOUN
fsr-3555	77	29	and	and	CCONJ
fsr-3555	77	30	intention	intention	NOUN
fsr-3555	77	31	toward	toward	ADP
fsr-3555	77	32	retirement	retirement	NOUN
fsr-3555	77	33	plans	plan	NOUN
fsr-3555	77	34	.	.	PUNCT
fsr-3555	78	1	hypothesis	hypothesis	NOUN
fsr-3555	78	2	development	development	NOUN
fsr-3555	78	3	mediating	mediate	VERB
fsr-3555	78	4	effect	effect	NOUN
fsr-3555	78	5	of	of	ADP
fsr-3555	78	6	retirement	retirement	NOUN
fsr-3555	78	7	planning	planning	NOUN
fsr-3555	78	8	attitude	attitude	NOUN
fsr-3555	78	9	investment	investment	NOUN
fsr-3555	78	10	decisions	decision	NOUN
fsr-3555	78	11	in	in	ADP
fsr-3555	78	12	retirement	retirement	NOUN
fsr-3555	78	13	planning	planning	NOUN
fsr-3555	78	14	are	be	AUX
fsr-3555	78	15	influenced	influence	VERB
fsr-3555	78	16	by	by	ADP
fsr-3555	78	17	an	an	DET
fsr-3555	78	18	individual	individual	NOUN
fsr-3555	78	19	's	's	PART
fsr-3555	78	20	level	level	NOUN
fsr-3555	78	21	of	of	ADP
fsr-3555	78	22	risk	risk	NOUN
fsr-3555	78	23	aversion	aversion	NOUN
fsr-3555	78	24	(	(	PUNCT
fsr-3555	78	25	the	the	DET
fsr-3555	78	26	opposite	opposite	NOUN
fsr-3555	78	27	of	of	ADP
fsr-3555	78	28	which	which	PRON
fsr-3555	78	29	is	be	AUX
fsr-3555	78	30	risk	risk	NOUN
fsr-3555	78	31	tolerance	tolerance	NOUN
fsr-3555	78	32	)	)	PUNCT
fsr-3555	78	33	towards	towards	ADP
fsr-3555	78	34	retirement	retirement	NOUN
fsr-3555	78	35	products	product	NOUN
fsr-3555	78	36	(	(	PUNCT
fsr-3555	78	37	meir	meir	PROPN
fsr-3555	78	38	et	et	PROPN
fsr-3555	78	39	al	al	PROPN
fsr-3555	78	40	.	.	PROPN
fsr-3555	78	41	,	,	PUNCT
fsr-3555	78	42	2016	2016	NUM
fsr-3555	78	43	)	)	PUNCT
fsr-3555	78	44	.	.	PUNCT
fsr-3555	79	1	however	however	ADV
fsr-3555	79	2	,	,	PUNCT
fsr-3555	79	3	empirical	empirical	ADJ
fsr-3555	79	4	research	research	NOUN
fsr-3555	79	5	exploring	explore	VERB
fsr-3555	79	6	the	the	DET
fsr-3555	79	7	connection	connection	NOUN
fsr-3555	79	8	between	between	ADP
fsr-3555	79	9	financial	financial	ADJ
fsr-3555	79	10	cognitions	cognition	NOUN
fsr-3555	79	11	,	,	PUNCT
fsr-3555	79	12	such	such	ADJ
fsr-3555	79	13	as	as	ADP
fsr-3555	79	14	financial	financial	ADJ
fsr-3555	79	15	risk	risk	NOUN
fsr-3555	79	16	tolerance	tolerance	NOUN
fsr-3555	79	17	and	and	CCONJ
fsr-3555	79	18	financial	financial	ADJ
fsr-3555	79	19	selfefficacy	selfefficacy	NOUN
fsr-3555	79	20	,	,	PUNCT
fsr-3555	79	21	and	and	CCONJ
fsr-3555	79	22	attitudes	attitude	NOUN
fsr-3555	79	23	towards	towards	ADP
fsr-3555	79	24	retirement	retirement	NOUN
fsr-3555	79	25	planning	planning	NOUN
fsr-3555	79	26	remains	remain	VERB
fsr-3555	79	27	limited	limited	ADJ
fsr-3555	79	28	.	.	PUNCT
fsr-3555	80	1	individuals	individual	NOUN
fsr-3555	80	2	with	with	ADP
fsr-3555	80	3	a	a	DET
fsr-3555	80	4	high	high	ADJ
fsr-3555	80	5	tolerance	tolerance	NOUN
fsr-3555	80	6	for	for	ADP
fsr-3555	80	7	financial	financial	ADJ
fsr-3555	80	8	risk	risk	NOUN
fsr-3555	80	9	typically	typically	ADV
fsr-3555	80	10	perceive	perceive	VERB
fsr-3555	80	11	themselves	themselves	PRON
fsr-3555	80	12	as	as	ADP
fsr-3555	80	13	capable	capable	ADJ
fsr-3555	80	14	of	of	ADP
fsr-3555	80	15	managing	manage	VERB
fsr-3555	80	16	financial	financial	ADJ
fsr-3555	80	17	challenges	challenge	NOUN
fsr-3555	80	18	and	and	CCONJ
fsr-3555	80	19	opportunities	opportunity	NOUN
fsr-3555	80	20	,	,	PUNCT
fsr-3555	80	21	often	often	ADV
fsr-3555	80	22	adopting	adopt	VERB
fsr-3555	80	23	a	a	DET
fsr-3555	80	24	positive	positive	ADJ
fsr-3555	80	25	financial	financial	ADJ
fsr-3555	80	26	attitude	attitude	NOUN
fsr-3555	80	27	,	,	PUNCT
fsr-3555	80	28	including	include	VERB
fsr-3555	80	29	optimism	optimism	NOUN
fsr-3555	80	30	in	in	ADP
fsr-3555	80	31	retirement	retirement	NOUN
fsr-3555	80	32	planning	planning	NOUN
fsr-3555	80	33	(	(	PUNCT
fsr-3555	80	34	ramalho	ramalho	PROPN
fsr-3555	80	35	&	&	CCONJ
fsr-3555	80	36	forte	forte	PROPN
fsr-3555	80	37	,	,	PUNCT
fsr-3555	80	38	2019	2019	NUM
fsr-3555	80	39	)	)	PUNCT
fsr-3555	80	40	.	.	PUNCT
fsr-3555	81	1	this	this	DET
fsr-3555	81	2	mindset	mindset	NOUN
fsr-3555	81	3	is	be	AUX
fsr-3555	81	4	manifested	manifest	VERB
fsr-3555	81	5	in	in	ADP
fsr-3555	81	6	their	their	PRON
fsr-3555	81	7	propensity	propensity	NOUN
fsr-3555	81	8	for	for	ADP
fsr-3555	81	9	engaging	engage	VERB
fsr-3555	81	10	in	in	ADP
fsr-3555	81	11	investments	investment	NOUN
fsr-3555	81	12	with	with	ADP
fsr-3555	81	13	higher	high	ADJ
fsr-3555	81	14	risk	risk	NOUN
fsr-3555	81	15	and	and	CCONJ
fsr-3555	81	16	potential	potential	ADJ
fsr-3555	81	17	returns	return	NOUN
fsr-3555	81	18	,	,	PUNCT
fsr-3555	81	19	indicative	indicative	ADJ
fsr-3555	81	20	of	of	ADP
fsr-3555	81	21	a	a	DET
fsr-3555	81	22	proactive	proactive	ADJ
fsr-3555	81	23	stance	stance	NOUN
fsr-3555	81	24	towards	towards	ADP
fsr-3555	81	25	retirement	retirement	NOUN
fsr-3555	81	26	planning	planning	NOUN
fsr-3555	81	27	(	(	PUNCT
fsr-3555	81	28	nguyen	nguyen	NOUN
fsr-3555	81	29	et	et	PROPN
fsr-3555	81	30	al	al	PROPN
fsr-3555	81	31	.	.	PROPN
fsr-3555	81	32	,	,	PUNCT
fsr-3555	81	33	2019	2019	NUM
fsr-3555	81	34	;	;	PUNCT
fsr-3555	81	35	samsuri	samsuri	PROPN
fsr-3555	81	36	et	et	PROPN
fsr-3555	81	37	al	al	PROPN
fsr-3555	81	38	.	.	PROPN
fsr-3555	81	39	,	,	PUNCT
fsr-3555	81	40	2019	2019	NUM
fsr-3555	81	41	)	)	PUNCT
fsr-3555	81	42	.	.	PUNCT
fsr-3555	82	1	individuals	individual	NOUN
fsr-3555	82	2	with	with	ADP
fsr-3555	82	3	a	a	DET
fsr-3555	82	4	riskaverse	riskaverse	NOUN
fsr-3555	82	5	disposition	disposition	NOUN
fsr-3555	82	6	typically	typically	ADV
fsr-3555	82	7	adopt	adopt	VERB
fsr-3555	82	8	a	a	DET
fsr-3555	82	9	cautious	cautious	ADJ
fsr-3555	82	10	and	and	CCONJ
fsr-3555	82	11	conservative	conservative	ADJ
fsr-3555	82	12	approach	approach	NOUN
fsr-3555	82	13	to	to	ADP
fsr-3555	82	14	retirement	retirement	NOUN
fsr-3555	82	15	planning	planning	NOUN
fsr-3555	82	16	(	(	PUNCT
fsr-3555	82	17	park	park	NOUN
fsr-3555	82	18	&	&	CCONJ
fsr-3555	82	19	martin	martin	PROPN
fsr-3555	82	20	,	,	PUNCT
fsr-3555	82	21	2022	2022	NUM
fsr-3555	82	22	)	)	PUNCT
fsr-3555	82	23	,	,	PUNCT
fsr-3555	82	24	whereas	whereas	SCONJ
fsr-3555	82	25	those	those	PRON
fsr-3555	82	26	who	who	PRON
fsr-3555	82	27	are	be	AUX
fsr-3555	82	28	not	not	PART
fsr-3555	82	29	risk	risk	NOUN
fsr-3555	82	30	-	-	PUNCT
fsr-3555	82	31	averse	averse	ADJ
fsr-3555	82	32	are	be	AUX
fsr-3555	82	33	linked	link	VERB
fsr-3555	82	34	to	to	ADP
fsr-3555	82	35	positive	positive	ADJ
fsr-3555	82	36	saving	saving	NOUN
fsr-3555	82	37	behaviors	behavior	NOUN
fsr-3555	82	38	and	and	CCONJ
fsr-3555	82	39	the	the	DET
fsr-3555	82	40	choice	choice	NOUN
fsr-3555	82	41	of	of	ADP
fsr-3555	82	42	retirement	retirement	NOUN
fsr-3555	82	43	-	-	PUNCT
fsr-3555	82	44	related	relate	VERB
fsr-3555	82	45	financial	financial	ADJ
fsr-3555	82	46	products	product	NOUN
fsr-3555	82	47	(	(	PUNCT
fsr-3555	82	48	safari	safari	PROPN
fsr-3555	82	49	et	et	PROPN
fsr-3555	82	50	al	al	PROPN
fsr-3555	82	51	.	.	PROPN
fsr-3555	82	52	,	,	PUNCT
fsr-3555	82	53	2021	2021	NUM
fsr-3555	82	54	)	)	PUNCT
fsr-3555	82	55	.	.	PUNCT
fsr-3555	83	1	moreover	moreover	ADV
fsr-3555	83	2	,	,	PUNCT
fsr-3555	83	3	the	the	DET
fsr-3555	83	4	association	association	NOUN
fsr-3555	83	5	between	between	ADP
fsr-3555	83	6	positive	positive	ADJ
fsr-3555	83	7	attitudes	attitude	NOUN
fsr-3555	83	8	towards	towards	ADP
fsr-3555	83	9	retirement	retirement	NOUN
fsr-3555	83	10	planning	planning	NOUN
fsr-3555	83	11	and	and	CCONJ
fsr-3555	83	12	the	the	DET
fsr-3555	83	13	intention	intention	NOUN
fsr-3555	83	14	to	to	PART
fsr-3555	83	15	actively	actively	ADV
fsr-3555	83	16	engage	engage	VERB
fsr-3555	83	17	in	in	ADP
fsr-3555	83	18	such	such	ADJ
fsr-3555	83	19	planning	planning	NOUN
fsr-3555	83	20	is	be	AUX
fsr-3555	83	21	well	well	ADV
fsr-3555	83	22	-	-	PUNCT
fsr-3555	83	23	established	establish	VERB
fsr-3555	83	24	(	(	PUNCT
fsr-3555	83	25	setyawan	setyawan	PROPN
fsr-3555	83	26	&	&	CCONJ
fsr-3555	83	27	wijaya	wijaya	PROPN
fsr-3555	83	28	,	,	PUNCT
fsr-3555	83	29	2020	2020	NUM
fsr-3555	83	30	)	)	PUNCT
fsr-3555	83	31	.	.	PUNCT
fsr-3555	84	1	this	this	DET
fsr-3555	84	2	relationship	relationship	NOUN
fsr-3555	84	3	suggests	suggest	VERB
fsr-3555	84	4	that	that	SCONJ
fsr-3555	84	5	attitudes	attitude	VERB
fsr-3555	84	6	ahamed	ahamed	PROPN
fsr-3555	84	7	&	&	CCONJ
fsr-3555	84	8	limbu	limbu	PROPN
fsr-3555	84	9	81	81	NUM
fsr-3555	84	10	significantly	significantly	ADV
fsr-3555	84	11	influence	influence	VERB
fsr-3555	84	12	an	an	DET
fsr-3555	84	13	individual	individual	NOUN
fsr-3555	84	14	’s	’s	PART
fsr-3555	84	15	commitment	commitment	NOUN
fsr-3555	84	16	to	to	ADP
fsr-3555	84	17	long	long	ADJ
fsr-3555	84	18	-	-	PUNCT
fsr-3555	84	19	term	term	NOUN
fsr-3555	84	20	objectives	objective	NOUN
fsr-3555	84	21	like	like	ADP
fsr-3555	84	22	retirement	retirement	NOUN
fsr-3555	84	23	planning	planning	NOUN
fsr-3555	84	24	.	.	PUNCT
fsr-3555	85	1	this	this	DET
fsr-3555	85	2	study	study	NOUN
fsr-3555	85	3	thus	thus	ADV
fsr-3555	85	4	conceptualizes	conceptualize	VERB
fsr-3555	85	5	the	the	DET
fsr-3555	85	6	mediating	mediate	VERB
fsr-3555	85	7	role	role	NOUN
fsr-3555	85	8	of	of	ADP
fsr-3555	85	9	retirement	retirement	NOUN
fsr-3555	85	10	planning	planning	NOUN
fsr-3555	85	11	attitude	attitude	NOUN
fsr-3555	85	12	in	in	ADP
fsr-3555	85	13	the	the	DET
fsr-3555	85	14	relationship	relationship	NOUN
fsr-3555	85	15	between	between	ADP
fsr-3555	85	16	financial	financial	ADJ
fsr-3555	85	17	risk	risk	NOUN
fsr-3555	85	18	tolerance	tolerance	NOUN
fsr-3555	85	19	and	and	CCONJ
fsr-3555	85	20	retirement	retirement	NOUN
fsr-3555	85	21	planning	planning	NOUN
fsr-3555	85	22	intention	intention	NOUN
fsr-3555	85	23	as	as	ADP
fsr-3555	85	24	pivotal	pivotal	ADJ
fsr-3555	85	25	.	.	PUNCT
fsr-3555	86	1	this	this	DET
fsr-3555	86	2	notion	notion	NOUN
fsr-3555	86	3	is	be	AUX
fsr-3555	86	4	consistent	consistent	ADJ
fsr-3555	86	5	with	with	ADP
fsr-3555	86	6	the	the	DET
fsr-3555	86	7	theory	theory	NOUN
fsr-3555	86	8	suggesting	suggest	VERB
fsr-3555	86	9	that	that	SCONJ
fsr-3555	86	10	attitudes	attitude	NOUN
fsr-3555	86	11	are	be	AUX
fsr-3555	86	12	key	key	ADJ
fsr-3555	86	13	mediators	mediator	NOUN
fsr-3555	86	14	in	in	ADP
fsr-3555	86	15	the	the	DET
fsr-3555	86	16	cognitive	cognitive	ADJ
fsr-3555	86	17	processes	process	NOUN
fsr-3555	86	18	that	that	PRON
fsr-3555	86	19	lead	lead	VERB
fsr-3555	86	20	to	to	ADP
fsr-3555	86	21	behaviors	behavior	NOUN
fsr-3555	86	22	(	(	PUNCT
fsr-3555	86	23	ajzen	ajzen	ADJ
fsr-3555	86	24	,	,	PUNCT
fsr-3555	86	25	2011	2011	NUM
fsr-3555	86	26	;	;	PUNCT
fsr-3555	86	27	białowolski	białowolski	NOUN
fsr-3555	86	28	et	et	PROPN
fsr-3555	86	29	al	al	PROPN
fsr-3555	86	30	.	.	PROPN
fsr-3555	86	31	,	,	PUNCT
fsr-3555	86	32	2020	2020	NUM
fsr-3555	86	33	)	)	PUNCT
fsr-3555	86	34	.	.	PUNCT
fsr-3555	87	1	it	it	PRON
fsr-3555	87	2	serves	serve	VERB
fsr-3555	87	3	as	as	ADP
fsr-3555	87	4	a	a	DET
fsr-3555	87	5	vital	vital	ADJ
fsr-3555	87	6	link	link	NOUN
fsr-3555	87	7	between	between	ADP
fsr-3555	87	8	an	an	DET
fsr-3555	87	9	individual	individual	NOUN
fsr-3555	87	10	's	's	PART
fsr-3555	87	11	tolerance	tolerance	NOUN
fsr-3555	87	12	for	for	ADP
fsr-3555	87	13	risk	risk	NOUN
fsr-3555	87	14	and	and	CCONJ
fsr-3555	87	15	their	their	PRON
fsr-3555	87	16	actions	action	NOUN
fsr-3555	87	17	taken	take	VERB
fsr-3555	87	18	in	in	ADP
fsr-3555	87	19	planning	planning	NOUN
fsr-3555	87	20	for	for	ADP
fsr-3555	87	21	retirement	retirement	NOUN
fsr-3555	87	22	.	.	PUNCT
fsr-3555	88	1	thus	thus	ADV
fsr-3555	88	2	,	,	PUNCT
fsr-3555	88	3	the	the	DET
fsr-3555	88	4	following	follow	VERB
fsr-3555	88	5	hypothesis	hypothesis	NOUN
fsr-3555	88	6	is	be	AUX
fsr-3555	88	7	advanced	advanced	ADJ
fsr-3555	88	8	.	.	PUNCT
fsr-3555	89	1	h1	h1	PROPN
fsr-3555	89	2	:	:	PUNCT
fsr-3555	89	3	retirement	retirement	NOUN
fsr-3555	89	4	planning	planning	NOUN
fsr-3555	89	5	attitude	attitude	NOUN
fsr-3555	89	6	mediates	mediate	VERB
fsr-3555	89	7	the	the	DET
fsr-3555	89	8	effect	effect	NOUN
fsr-3555	89	9	of	of	ADP
fsr-3555	89	10	financial	financial	ADJ
fsr-3555	89	11	risk	risk	NOUN
fsr-3555	89	12	tolerance	tolerance	NOUN
fsr-3555	89	13	on	on	ADP
fsr-3555	89	14	retirement	retirement	NOUN
fsr-3555	89	15	planning	planning	NOUN
fsr-3555	89	16	intention	intention	NOUN
fsr-3555	89	17	.	.	PUNCT
fsr-3555	90	1	when	when	SCONJ
fsr-3555	90	2	a	a	DET
fsr-3555	90	3	person	person	NOUN
fsr-3555	90	4	has	have	VERB
fsr-3555	90	5	high	high	ADJ
fsr-3555	90	6	financial	financial	ADJ
fsr-3555	90	7	self	self	NOUN
fsr-3555	90	8	-	-	PUNCT
fsr-3555	90	9	efficacy	efficacy	NOUN
fsr-3555	90	10	,	,	PUNCT
fsr-3555	90	11	they	they	PRON
fsr-3555	90	12	are	be	AUX
fsr-3555	90	13	more	more	ADV
fsr-3555	90	14	confident	confident	ADJ
fsr-3555	90	15	in	in	ADP
fsr-3555	90	16	their	their	PRON
fsr-3555	90	17	ability	ability	NOUN
fsr-3555	90	18	to	to	PART
fsr-3555	90	19	make	make	VERB
fsr-3555	90	20	financial	financial	ADJ
fsr-3555	90	21	decisions	decision	NOUN
fsr-3555	90	22	,	,	PUNCT
fsr-3555	90	23	which	which	PRON
fsr-3555	90	24	reflects	reflect	VERB
fsr-3555	90	25	a	a	DET
fsr-3555	90	26	belief	belief	NOUN
fsr-3555	90	27	in	in	ADP
fsr-3555	90	28	their	their	PRON
fsr-3555	90	29	ability	ability	NOUN
fsr-3555	90	30	to	to	PART
fsr-3555	90	31	manage	manage	VERB
fsr-3555	90	32	financial	financial	ADJ
fsr-3555	90	33	matters	matter	NOUN
fsr-3555	90	34	effectively	effectively	ADV
fsr-3555	90	35	.	.	PUNCT
fsr-3555	91	1	by	by	ADP
fsr-3555	91	2	feeling	feel	VERB
fsr-3555	91	3	capable	capable	ADJ
fsr-3555	91	4	and	and	CCONJ
fsr-3555	91	5	empowered	empower	VERB
fsr-3555	91	6	in	in	ADP
fsr-3555	91	7	managing	manage	VERB
fsr-3555	91	8	their	their	PRON
fsr-3555	91	9	finances	finance	NOUN
fsr-3555	91	10	,	,	PUNCT
fsr-3555	91	11	they	they	PRON
fsr-3555	91	12	may	may	AUX
fsr-3555	91	13	be	be	AUX
fsr-3555	91	14	more	more	ADV
fsr-3555	91	15	likely	likely	ADJ
fsr-3555	91	16	exhibit	exhibit	VERB
fsr-3555	91	17	proactive	proactive	ADJ
fsr-3555	91	18	and	and	CCONJ
fsr-3555	91	19	protective	protective	ADJ
fsr-3555	91	20	financial	financial	ADJ
fsr-3555	91	21	behavior	behavior	NOUN
fsr-3555	91	22	such	such	ADJ
fsr-3555	91	23	as	as	ADP
fsr-3555	91	24	budgeting	budgeting	NOUN
fsr-3555	91	25	,	,	PUNCT
fsr-3555	91	26	saving	saving	NOUN
fsr-3555	91	27	,	,	PUNCT
fsr-3555	91	28	and	and	CCONJ
fsr-3555	91	29	investing	investing	NOUN
fsr-3555	91	30	and	and	CCONJ
fsr-3555	91	31	a	a	DET
fsr-3555	91	32	positive	positive	ADJ
fsr-3555	91	33	attitude	attitude	NOUN
fsr-3555	91	34	towards	towards	ADP
fsr-3555	91	35	finance	finance	NOUN
fsr-3555	91	36	(	(	PUNCT
fsr-3555	91	37	lown	lown	PROPN
fsr-3555	91	38	,	,	PUNCT
fsr-3555	91	39	2011	2011	NUM
fsr-3555	91	40	;	;	PUNCT
fsr-3555	91	41	lown	lown	PROPN
fsr-3555	91	42	et	et	PROPN
fsr-3555	91	43	al	al	PROPN
fsr-3555	91	44	.	.	PROPN
fsr-3555	91	45	,	,	PUNCT
fsr-3555	91	46	2015	2015	NUM
fsr-3555	91	47	)	)	PUNCT
fsr-3555	91	48	.	.	PUNCT
fsr-3555	92	1	in	in	ADP
fsr-3555	92	2	other	other	ADJ
fsr-3555	92	3	words	word	NOUN
fsr-3555	92	4	,	,	PUNCT
fsr-3555	92	5	financial	financial	ADJ
fsr-3555	92	6	self	self	NOUN
fsr-3555	92	7	-	-	PUNCT
fsr-3555	92	8	efficacy	efficacy	NOUN
fsr-3555	92	9	can	can	AUX
fsr-3555	92	10	shape	shape	VERB
fsr-3555	92	11	an	an	DET
fsr-3555	92	12	individual	individual	NOUN
fsr-3555	92	13	's	's	PART
fsr-3555	92	14	retirement	retirement	NOUN
fsr-3555	92	15	planning	planning	NOUN
fsr-3555	92	16	attitude	attitude	NOUN
fsr-3555	92	17	by	by	ADP
fsr-3555	92	18	influencing	influence	VERB
fsr-3555	92	19	their	their	PRON
fsr-3555	92	20	behavior	behavior	NOUN
fsr-3555	92	21	,	,	PUNCT
fsr-3555	92	22	confidence	confidence	NOUN
fsr-3555	92	23	,	,	PUNCT
fsr-3555	92	24	and	and	CCONJ
fsr-3555	92	25	emotional	emotional	ADJ
fsr-3555	92	26	responses	response	NOUN
fsr-3555	92	27	;	;	PUNCT
fsr-3555	92	28	people	people	NOUN
fsr-3555	92	29	who	who	PRON
fsr-3555	92	30	believe	believe	VERB
fsr-3555	92	31	in	in	ADP
fsr-3555	92	32	their	their	PRON
fsr-3555	92	33	financial	financial	ADJ
fsr-3555	92	34	capabilities	capability	NOUN
fsr-3555	92	35	are	be	AUX
fsr-3555	92	36	more	more	ADV
fsr-3555	92	37	likely	likely	ADJ
fsr-3555	92	38	to	to	PART
fsr-3555	92	39	approach	approach	VERB
fsr-3555	92	40	money	money	NOUN
fsr-3555	92	41	management	management	NOUN
fsr-3555	92	42	with	with	ADP
fsr-3555	92	43	a	a	DET
fsr-3555	92	44	positive	positive	ADJ
fsr-3555	92	45	attitude	attitude	NOUN
fsr-3555	92	46	.	.	PUNCT
fsr-3555	93	1	thus	thus	ADV
fsr-3555	93	2	,	,	PUNCT
fsr-3555	93	3	in	in	ADP
fsr-3555	93	4	this	this	DET
fsr-3555	93	5	study	study	NOUN
fsr-3555	93	6	,	,	PUNCT
fsr-3555	93	7	we	we	PRON
fsr-3555	93	8	conceptualize	conceptualize	VERB
fsr-3555	93	9	the	the	DET
fsr-3555	93	10	mediating	mediate	VERB
fsr-3555	93	11	role	role	NOUN
fsr-3555	93	12	of	of	ADP
fsr-3555	93	13	retirement	retirement	NOUN
fsr-3555	93	14	planning	planning	NOUN
fsr-3555	93	15	attitude	attitude	NOUN
fsr-3555	93	16	in	in	ADP
fsr-3555	93	17	the	the	DET
fsr-3555	93	18	link	link	NOUN
fsr-3555	93	19	between	between	ADP
fsr-3555	93	20	financial	financial	ADJ
fsr-3555	93	21	self	self	NOUN
fsr-3555	93	22	-	-	PUNCT
fsr-3555	93	23	efficacy	efficacy	NOUN
fsr-3555	93	24	and	and	CCONJ
fsr-3555	93	25	retirement	retirement	NOUN
fsr-3555	93	26	planning	planning	NOUN
fsr-3555	93	27	intention	intention	NOUN
fsr-3555	93	28	as	as	SCONJ
fsr-3555	93	29	attitudes	attitude	NOUN
fsr-3555	93	30	integrate	integrate	VERB
fsr-3555	93	31	cognitive	cognitive	ADJ
fsr-3555	93	32	and	and	CCONJ
fsr-3555	93	33	emotional	emotional	ADJ
fsr-3555	93	34	responses	response	NOUN
fsr-3555	93	35	,	,	PUNCT
fsr-3555	93	36	provide	provide	VERB
fsr-3555	93	37	motivation	motivation	NOUN
fsr-3555	93	38	,	,	PUNCT
fsr-3555	93	39	and	and	CCONJ
fsr-3555	93	40	ensure	ensure	VERB
fsr-3555	93	41	consistency	consistency	NOUN
fsr-3555	93	42	between	between	ADP
fsr-3555	93	43	what	what	PRON
fsr-3555	93	44	people	people	NOUN
fsr-3555	93	45	believe	believe	VERB
fsr-3555	93	46	and	and	CCONJ
fsr-3555	93	47	how	how	SCONJ
fsr-3555	93	48	they	they	PRON
fsr-3555	93	49	intend	intend	VERB
fsr-3555	93	50	to	to	PART
fsr-3555	93	51	act	act	VERB
fsr-3555	93	52	(	(	PUNCT
fsr-3555	93	53	ajzen	ajzen	NOUN
fsr-3555	93	54	,	,	PUNCT
fsr-3555	93	55	2011	2011	NUM
fsr-3555	93	56	)	)	PUNCT
fsr-3555	93	57	.	.	PUNCT
fsr-3555	94	1	accordingly	accordingly	ADV
fsr-3555	94	2	,	,	PUNCT
fsr-3555	94	3	we	we	PRON
fsr-3555	94	4	advance	advance	VERB
fsr-3555	94	5	the	the	DET
fsr-3555	94	6	following	follow	VERB
fsr-3555	94	7	hypothesis	hypothesis	NOUN
fsr-3555	94	8	.	.	PUNCT
fsr-3555	95	1	h2	h2	PROPN
fsr-3555	95	2	:	:	PUNCT
fsr-3555	95	3	retirement	retirement	NOUN
fsr-3555	95	4	planning	planning	NOUN
fsr-3555	95	5	attitude	attitude	NOUN
fsr-3555	95	6	mediates	mediate	VERB
fsr-3555	95	7	the	the	DET
fsr-3555	95	8	effect	effect	NOUN
fsr-3555	95	9	of	of	ADP
fsr-3555	95	10	financial	financial	ADJ
fsr-3555	95	11	selfefficacy	selfefficacy	NOUN
fsr-3555	95	12	on	on	ADP
fsr-3555	95	13	retirement	retirement	NOUN
fsr-3555	95	14	planning	planning	NOUN
fsr-3555	95	15	intention	intention	NOUN
fsr-3555	95	16	.	.	PUNCT
fsr-3555	96	1	moderated	moderated	ADJ
fsr-3555	96	2	mediation	mediation	NOUN
fsr-3555	96	3	effect	effect	NOUN
fsr-3555	96	4	of	of	ADP
fsr-3555	96	5	money	money	NOUN
fsr-3555	96	6	availability	availability	NOUN
fsr-3555	96	7	financial	financial	ADJ
fsr-3555	96	8	resources	resource	NOUN
fsr-3555	96	9	are	be	AUX
fsr-3555	96	10	one	one	NUM
fsr-3555	96	11	of	of	ADP
fsr-3555	96	12	the	the	DET
fsr-3555	96	13	key	key	ADJ
fsr-3555	96	14	factors	factor	NOUN
fsr-3555	96	15	affecting	affect	VERB
fsr-3555	96	16	welfare	welfare	NOUN
fsr-3555	96	17	in	in	ADP
fsr-3555	96	18	old	old	ADJ
fsr-3555	96	19	age	age	NOUN
fsr-3555	96	20	(	(	PUNCT
fsr-3555	96	21	herrador	herrador	NOUN
fsr-3555	96	22	-	-	PUNCT
fsr-3555	96	23	alcaide	alcaide	NOUN
fsr-3555	96	24	et	et	PROPN
fsr-3555	96	25	al	al	PROPN
fsr-3555	96	26	.	.	PROPN
fsr-3555	96	27	,	,	PUNCT
fsr-3555	96	28	2021	2021	NUM
fsr-3555	96	29	)	)	PUNCT
fsr-3555	96	30	.	.	PUNCT
fsr-3555	97	1	however	however	ADV
fsr-3555	97	2	,	,	PUNCT
fsr-3555	97	3	past	past	ADJ
fsr-3555	97	4	research	research	NOUN
fsr-3555	97	5	indicates	indicate	VERB
fsr-3555	97	6	that	that	SCONJ
fsr-3555	97	7	individuals	individual	NOUN
fsr-3555	97	8	are	be	AUX
fsr-3555	97	9	unprepared	unprepared	ADJ
fsr-3555	97	10	for	for	ADP
fsr-3555	97	11	retirement	retirement	NOUN
fsr-3555	97	12	due	due	ADP
fsr-3555	97	13	to	to	ADP
fsr-3555	97	14	insufficient	insufficient	ADJ
fsr-3555	97	15	savings	saving	NOUN
fsr-3555	97	16	or	or	CCONJ
fsr-3555	97	17	limited	limited	ADJ
fsr-3555	97	18	assets	asset	NOUN
fsr-3555	97	19	(	(	PUNCT
fsr-3555	97	20	joo	joo	PROPN
fsr-3555	97	21	&	&	CCONJ
fsr-3555	97	22	grable	grable	PROPN
fsr-3555	97	23	,	,	PUNCT
fsr-3555	97	24	2005	2005	NUM
fsr-3555	97	25	)	)	PUNCT
fsr-3555	97	26	.	.	PUNCT
fsr-3555	98	1	one	one	NUM
fsr-3555	98	2	of	of	ADP
fsr-3555	98	3	plausible	plausible	ADJ
fsr-3555	98	4	explanation	explanation	NOUN
fsr-3555	98	5	is	be	AUX
fsr-3555	98	6	that	that	SCONJ
fsr-3555	98	7	people	people	NOUN
fsr-3555	98	8	allocate	allocate	VERB
fsr-3555	98	9	their	their	PRON
fsr-3555	98	10	finances	finance	NOUN
fsr-3555	98	11	based	base	VERB
fsr-3555	98	12	on	on	ADP
fsr-3555	98	13	their	their	PRON
fsr-3555	98	14	life	life	NOUN
fsr-3555	98	15	stage	stage	NOUN
fsr-3555	98	16	while	while	SCONJ
fsr-3555	98	17	being	be	AUX
fsr-3555	98	18	limited	limit	VERB
fsr-3555	98	19	by	by	ADP
fsr-3555	98	20	their	their	PRON
fsr-3555	98	21	available	available	ADJ
fsr-3555	98	22	resources	resource	NOUN
fsr-3555	98	23	(	(	PUNCT
fsr-3555	98	24	safari	safari	PROPN
fsr-3555	98	25	et	et	PROPN
fsr-3555	98	26	al	al	PROPN
fsr-3555	98	27	.	.	PROPN
fsr-3555	98	28	,	,	PUNCT
fsr-3555	98	29	2021	2021	NUM
fsr-3555	98	30	)	)	PUNCT
fsr-3555	98	31	.	.	PUNCT
fsr-3555	99	1	in	in	ADP
fsr-3555	99	2	such	such	DET
fsr-3555	99	3	a	a	DET
fsr-3555	99	4	scenario	scenario	NOUN
fsr-3555	99	5	,	,	PUNCT
fsr-3555	99	6	the	the	DET
fsr-3555	99	7	money	money	NOUN
fsr-3555	99	8	available	available	ADJ
fsr-3555	99	9	at	at	ADP
fsr-3555	99	10	a	a	DET
fsr-3555	99	11	person	person	NOUN
fsr-3555	99	12	’s	’s	PART
fsr-3555	99	13	current	current	ADJ
fsr-3555	99	14	disposal	disposal	NOUN
fsr-3555	99	15	is	be	AUX
fsr-3555	99	16	a	a	DET
fsr-3555	99	17	significant	significant	ADJ
fsr-3555	99	18	condition	condition	NOUN
fsr-3555	99	19	affecting	affect	VERB
fsr-3555	99	20	their	their	PRON
fsr-3555	99	21	overall	overall	ADJ
fsr-3555	99	22	retirement	retirement	NOUN
fsr-3555	99	23	planning	planning	NOUN
fsr-3555	99	24	intention	intention	NOUN
fsr-3555	99	25	.	.	PUNCT
fsr-3555	100	1	typically	typically	ADV
fsr-3555	100	2	,	,	PUNCT
fsr-3555	100	3	consumers	consumer	NOUN
fsr-3555	100	4	use	use	VERB
fsr-3555	100	5	retirement	retirement	NOUN
fsr-3555	100	6	planning	planning	NOUN
fsr-3555	100	7	to	to	PART
fsr-3555	100	8	maintain	maintain	VERB
fsr-3555	100	9	a	a	DET
fsr-3555	100	10	quality	quality	NOUN
fsr-3555	100	11	of	of	ADP
fsr-3555	100	12	life	life	NOUN
fsr-3555	100	13	comparable	comparable	ADJ
fsr-3555	100	14	to	to	ADP
fsr-3555	100	15	their	their	PRON
fsr-3555	100	16	preretirement	preretirement	ADJ
fsr-3555	100	17	level	level	NOUN
fsr-3555	100	18	.	.	PUNCT
fsr-3555	101	1	previous	previous	ADJ
fsr-3555	101	2	research	research	NOUN
fsr-3555	101	3	shows	show	VERB
fsr-3555	101	4	that	that	SCONJ
fsr-3555	101	5	present	present	ADJ
fsr-3555	101	6	income	income	NOUN
fsr-3555	101	7	and	and	CCONJ
fsr-3555	101	8	retirement	retirement	NOUN
fsr-3555	101	9	planning	planning	NOUN
fsr-3555	101	10	are	be	AUX
fsr-3555	101	11	positively	positively	ADV
fsr-3555	101	12	correlated	correlate	VERB
fsr-3555	101	13	(	(	PUNCT
fsr-3555	101	14	park	park	NOUN
fsr-3555	101	15	&	&	CCONJ
fsr-3555	101	16	martin	martin	PROPN
fsr-3555	101	17	,	,	PUNCT
fsr-3555	101	18	2022	2022	NUM
fsr-3555	101	19	)	)	PUNCT
fsr-3555	101	20	.	.	PUNCT
fsr-3555	102	1	instead	instead	ADV
fsr-3555	102	2	of	of	ADP
fsr-3555	102	3	looking	look	VERB
fsr-3555	102	4	at	at	ADP
fsr-3555	102	5	a	a	DET
fsr-3555	102	6	person	person	NOUN
fsr-3555	102	7	's	's	PART
fsr-3555	102	8	absolute	absolute	ADJ
fsr-3555	102	9	income	income	NOUN
fsr-3555	102	10	,	,	PUNCT
fsr-3555	102	11	we	we	PRON
fsr-3555	102	12	consider	consider	VERB
fsr-3555	102	13	their	their	PRON
fsr-3555	102	14	available	available	ADJ
fsr-3555	102	15	money	money	NOUN
fsr-3555	102	16	,	,	PUNCT
fsr-3555	102	17	a	a	DET
fsr-3555	102	18	more	more	ADV
fsr-3555	102	19	justified	justified	ADJ
fsr-3555	102	20	conceptualization	conceptualization	NOUN
fsr-3555	102	21	for	for	ADP
fsr-3555	102	22	retirement	retirement	NOUN
fsr-3555	102	23	planning	planning	NOUN
fsr-3555	102	24	,	,	PUNCT
fsr-3555	102	25	as	as	SCONJ
fsr-3555	102	26	an	an	DET
fsr-3555	102	27	individual	individual	NOUN
fsr-3555	102	28	’s	’s	PART
fsr-3555	102	29	ability	ability	NOUN
fsr-3555	102	30	to	to	PART
fsr-3555	102	31	spend	spend	VERB
fsr-3555	102	32	money	money	NOUN
fsr-3555	102	33	is	be	AUX
fsr-3555	102	34	determined	determine	VERB
fsr-3555	102	35	by	by	ADP
fsr-3555	102	36	the	the	DET
fsr-3555	102	37	amount	amount	NOUN
fsr-3555	102	38	of	of	ADP
fsr-3555	102	39	budget	budget	NOUN
fsr-3555	102	40	or	or	CCONJ
fsr-3555	102	41	extra	extra	ADJ
fsr-3555	102	42	funds	fund	NOUN
fsr-3555	102	43	available	available	ADJ
fsr-3555	102	44	at	at	ADP
fsr-3555	102	45	the	the	DET
fsr-3555	102	46	moment	moment	NOUN
fsr-3555	102	47	(	(	PUNCT
fsr-3555	102	48	badgaiyan	badgaiyan	NOUN
fsr-3555	102	49	&	&	CCONJ
fsr-3555	102	50	verma	verma	PROPN
fsr-3555	102	51	,	,	PUNCT
fsr-3555	102	52	2015	2015	NUM
fsr-3555	102	53	;	;	PUNCT
fsr-3555	102	54	foroughi	foroughi	PROPN
fsr-3555	102	55	et	et	PROPN
fsr-3555	102	56	al	al	PROPN
fsr-3555	102	57	.	.	PROPN
fsr-3555	102	58	,	,	PUNCT
fsr-3555	102	59	2012	2012	NUM
fsr-3555	102	60	)	)	PUNCT
fsr-3555	102	61	.	.	PUNCT
fsr-3555	103	1	research	research	NOUN
fsr-3555	103	2	shows	show	VERB
fsr-3555	103	3	that	that	SCONJ
fsr-3555	103	4	the	the	DET
fsr-3555	103	5	lack	lack	NOUN
fsr-3555	103	6	of	of	ADP
fsr-3555	103	7	money	money	NOUN
fsr-3555	103	8	affects	affect	VERB
fsr-3555	103	9	a	a	DET
fsr-3555	103	10	person	person	NOUN
fsr-3555	103	11	's	's	PART
fsr-3555	103	12	purchasing	purchasing	NOUN
fsr-3555	103	13	power	power	NOUN
fsr-3555	103	14	,	,	PUNCT
fsr-3555	103	15	since	since	SCONJ
fsr-3555	103	16	they	they	PRON
fsr-3555	103	17	avoid	avoid	VERB
fsr-3555	103	18	shopping	shop	VERB
fsr-3555	103	19	and	and	CCONJ
fsr-3555	103	20	buying	buying	NOUN
fsr-3555	103	21	if	if	SCONJ
fsr-3555	103	22	they	they	PRON
fsr-3555	103	23	do	do	AUX
fsr-3555	103	24	not	not	PART
fsr-3555	103	25	have	have	VERB
fsr-3555	103	26	the	the	DET
fsr-3555	103	27	necessary	necessary	ADJ
fsr-3555	103	28	money	money	NOUN
fsr-3555	103	29	(	(	PUNCT
fsr-3555	103	30	foroughi	foroughi	PROPN
fsr-3555	103	31	et	et	PROPN
fsr-3555	103	32	al	al	PROPN
fsr-3555	103	33	.	.	PROPN
fsr-3555	103	34	,	,	PUNCT
fsr-3555	103	35	2012	2012	NUM
fsr-3555	103	36	)	)	PUNCT
fsr-3555	103	37	.	.	PUNCT
fsr-3555	104	1	an	an	DET
fsr-3555	104	2	individual	individual	NOUN
fsr-3555	104	3	's	's	PART
fsr-3555	104	4	retirement	retirement	NOUN
fsr-3555	104	5	planning	planning	NOUN
fsr-3555	104	6	attitude	attitude	NOUN
fsr-3555	104	7	reflects	reflect	VERB
fsr-3555	104	8	their	their	PRON
fsr-3555	104	9	beliefs	belief	NOUN
fsr-3555	104	10	and	and	CCONJ
fsr-3555	104	11	attitudes	attitude	NOUN
fsr-3555	104	12	about	about	ADP
fsr-3555	104	13	retirement	retirement	NOUN
fsr-3555	104	14	plans	plan	NOUN
fsr-3555	104	15	,	,	PUNCT
fsr-3555	104	16	but	but	CCONJ
fsr-3555	104	17	it	it	PRON
fsr-3555	104	18	does	do	AUX
fsr-3555	104	19	n't	not	PART
fsr-3555	104	20	necessarily	necessarily	ADV
fsr-3555	104	21	determine	determine	VERB
fsr-3555	104	22	their	their	PRON
fsr-3555	104	23	financial	financial	ADJ
fsr-3555	104	24	resources	resource	NOUN
fsr-3555	104	25	.	.	PUNCT
fsr-3555	105	1	when	when	SCONJ
fsr-3555	105	2	an	an	DET
fsr-3555	105	3	individual	individual	NOUN
fsr-3555	105	4	has	have	AUX
fsr-3555	105	5	limited	limit	VERB
fsr-3555	105	6	financial	financial	ADJ
fsr-3555	105	7	resources	resource	NOUN
fsr-3555	105	8	due	due	ADP
fsr-3555	105	9	to	to	ADP
fsr-3555	105	10	low	low	ADJ
fsr-3555	105	11	income	income	NOUN
fsr-3555	105	12	or	or	CCONJ
fsr-3555	105	13	high	high	ADJ
fsr-3555	105	14	debt	debt	NOUN
fsr-3555	105	15	,	,	PUNCT
fsr-3555	105	16	their	their	PRON
fsr-3555	105	17	retirement	retirement	NOUN
fsr-3555	105	18	planning	planning	NOUN
fsr-3555	105	19	attitude	attitude	NOUN
fsr-3555	105	20	may	may	AUX
fsr-3555	105	21	have	have	VERB
fsr-3555	105	22	less	less	ADJ
fsr-3555	105	23	influence	influence	NOUN
fsr-3555	105	24	on	on	ADP
fsr-3555	105	25	their	their	PRON
fsr-3555	105	26	retirement	retirement	NOUN
fsr-3555	105	27	planning	planning	NOUN
fsr-3555	105	28	intention	intention	NOUN
fsr-3555	105	29	(	(	PUNCT
fsr-3555	105	30	mauldin	mauldin	NOUN
fsr-3555	105	31	et	et	PROPN
fsr-3555	105	32	al	al	PROPN
fsr-3555	105	33	.	.	PROPN
fsr-3555	105	34	,	,	PUNCT
fsr-3555	105	35	2016	2016	NUM
fsr-3555	105	36	)	)	PUNCT
fsr-3555	105	37	.	.	PUNCT
fsr-3555	106	1	regardless	regardless	ADV
fsr-3555	106	2	of	of	ADP
fsr-3555	106	3	their	their	PRON
fsr-3555	106	4	attitude	attitude	NOUN
fsr-3555	106	5	toward	toward	ADP
fsr-3555	106	6	saving	save	VERB
fsr-3555	106	7	and	and	CCONJ
fsr-3555	106	8	planning	planning	NOUN
fsr-3555	106	9	for	for	ADP
fsr-3555	106	10	retirement	retirement	NOUN
fsr-3555	106	11	,	,	PUNCT
fsr-3555	106	12	their	their	PRON
fsr-3555	106	13	retirement	retirement	NOUN
fsr-3555	106	14	planning	planning	NOUN
fsr-3555	106	15	intention	intention	NOUN
fsr-3555	106	16	is	be	AUX
fsr-3555	106	17	affected	affect	VERB
fsr-3555	106	18	by	by	ADP
fsr-3555	106	19	the	the	DET
fsr-3555	106	20	availability	availability	NOUN
fsr-3555	106	21	of	of	ADP
fsr-3555	106	22	resources	resource	NOUN
fsr-3555	106	23	(	(	PUNCT
fsr-3555	106	24	in	in	ADP
fsr-3555	106	25	this	this	DET
fsr-3555	106	26	case	case	NOUN
fsr-3555	106	27	,	,	PUNCT
fsr-3555	106	28	money	money	NOUN
fsr-3555	106	29	)	)	PUNCT
fsr-3555	106	30	(	(	PUNCT
fsr-3555	106	31	kumar	kumar	PROPN
fsr-3555	106	32	et	et	PROPN
fsr-3555	106	33	al	al	PROPN
fsr-3555	106	34	.	.	PROPN
fsr-3555	106	35	,	,	PUNCT
fsr-3555	106	36	2019	2019	NUM
fsr-3555	106	37	)	)	PUNCT
fsr-3555	106	38	.	.	PUNCT
fsr-3555	107	1	one	one	PRON
fsr-3555	107	2	's	's	PART
fsr-3555	107	3	attitude	attitude	NOUN
fsr-3555	107	4	towards	towards	ADP
fsr-3555	107	5	retirement	retirement	NOUN
fsr-3555	107	6	can	can	AUX
fsr-3555	107	7	influence	influence	VERB
fsr-3555	107	8	their	their	PRON
fsr-3555	107	9	intention	intention	NOUN
fsr-3555	107	10	to	to	PART
fsr-3555	107	11	save	save	VERB
fsr-3555	107	12	for	for	ADP
fsr-3555	107	13	retirement	retirement	NOUN
fsr-3555	107	14	,	,	PUNCT
fsr-3555	107	15	but	but	CCONJ
fsr-3555	107	16	their	their	PRON
fsr-3555	107	17	actual	actual	ADJ
fsr-3555	107	18	ability	ability	NOUN
fsr-3555	107	19	to	to	PART
fsr-3555	107	20	do	do	AUX
fsr-3555	107	21	so	so	ADV
fsr-3555	107	22	depends	depend	VERB
fsr-3555	107	23	on	on	ADP
fsr-3555	107	24	their	their	PRON
fsr-3555	107	25	financial	financial	ADJ
fsr-3555	107	26	resources	resource	NOUN
fsr-3555	107	27	and	and	CCONJ
fsr-3555	107	28	circumstances	circumstance	NOUN
fsr-3555	107	29	.	.	PUNCT
fsr-3555	108	1	people	people	NOUN
fsr-3555	108	2	with	with	ADP
fsr-3555	108	3	positive	positive	ADJ
fsr-3555	108	4	retirement	retirement	NOUN
fsr-3555	108	5	attitudes	attitude	NOUN
fsr-3555	108	6	may	may	AUX
fsr-3555	108	7	still	still	ADV
fsr-3555	108	8	face	face	VERB
fsr-3555	108	9	limitations	limitation	NOUN
fsr-3555	108	10	in	in	ADP
fsr-3555	108	11	their	their	PRON
fsr-3555	108	12	ability	ability	NOUN
fsr-3555	108	13	to	to	PART
fsr-3555	108	14	save	save	VERB
fsr-3555	108	15	for	for	ADP
fsr-3555	108	16	retirement	retirement	NOUN
fsr-3555	108	17	if	if	SCONJ
fsr-3555	108	18	they	they	PRON
fsr-3555	108	19	are	be	AUX
fsr-3555	108	20	burdened	burden	VERB
fsr-3555	108	21	by	by	ADP
fsr-3555	108	22	other	other	ADJ
fsr-3555	108	23	financial	financial	ADJ
fsr-3555	108	24	obligations	obligation	NOUN
fsr-3555	108	25	.	.	PUNCT
fsr-3555	109	1	hence	hence	ADV
fsr-3555	109	2	,	,	PUNCT
fsr-3555	109	3	money	money	NOUN
fsr-3555	109	4	availability	availability	NOUN
fsr-3555	109	5	can	can	AUX
fsr-3555	109	6	moderate	moderate	VERB
fsr-3555	109	7	the	the	DET
fsr-3555	109	8	indirect	indirect	ADJ
fsr-3555	109	9	effects	effect	NOUN
fsr-3555	109	10	of	of	ADP
fsr-3555	109	11	financial	financial	ADJ
fsr-3555	109	12	self	self	NOUN
fsr-3555	109	13	-	-	PUNCT
fsr-3555	109	14	efficacy	efficacy	NOUN
fsr-3555	109	15	and	and	CCONJ
fsr-3555	109	16	financial	financial	ADJ
fsr-3555	109	17	risk	risk	NOUN
fsr-3555	109	18	tolerance	tolerance	NOUN
fsr-3555	109	19	on	on	ADP
fsr-3555	109	20	retirement	retirement	NOUN
fsr-3555	109	21	planning	planning	NOUN
fsr-3555	109	22	financial	financial	ADJ
fsr-3555	109	23	services	service	NOUN
fsr-3555	109	24	review	review	NOUN
fsr-3555	109	25	,	,	PUNCT
fsr-3555	109	26	32(2	32(2	NUM
fsr-3555	109	27	)	)	PUNCT
fsr-3555	109	28	82	82	NUM
fsr-3555	109	29	intentions	intention	NOUN
fsr-3555	109	30	.	.	PUNCT
fsr-3555	110	1	this	this	DET
fsr-3555	110	2	conceptualization	conceptualization	NOUN
fsr-3555	110	3	indicates	indicate	VERB
fsr-3555	110	4	a	a	DET
fsr-3555	110	5	moderated	moderated	ADJ
fsr-3555	110	6	mediation	mediation	NOUN
fsr-3555	110	7	relationship	relationship	NOUN
fsr-3555	110	8	from	from	ADP
fsr-3555	110	9	a	a	DET
fsr-3555	110	10	statistical	statistical	ADJ
fsr-3555	110	11	perspective	perspective	NOUN
fsr-3555	110	12	(	(	PUNCT
fsr-3555	110	13	preacher	preacher	NOUN
fsr-3555	110	14	et	et	PROPN
fsr-3555	110	15	al	al	PROPN
fsr-3555	110	16	.	.	PROPN
fsr-3555	110	17	,	,	PUNCT
fsr-3555	110	18	2007	2007	NUM
fsr-3555	110	19	)	)	PUNCT
fsr-3555	110	20	.	.	PUNCT
fsr-3555	111	1	accordingly	accordingly	ADV
fsr-3555	111	2	,	,	PUNCT
fsr-3555	111	3	we	we	PRON
fsr-3555	111	4	hypothesize	hypothesize	VERB
fsr-3555	111	5	the	the	DET
fsr-3555	111	6	following	following	NOUN
fsr-3555	111	7	:	:	PUNCT
fsr-3555	111	8	h3	h3	NOUN
fsr-3555	111	9	:	:	PUNCT
fsr-3555	111	10	money	money	NOUN
fsr-3555	111	11	availability	availability	NOUN
fsr-3555	111	12	moderates	moderate	VERB
fsr-3555	111	13	the	the	DET
fsr-3555	111	14	indirect	indirect	ADJ
fsr-3555	111	15	effect	effect	NOUN
fsr-3555	111	16	of	of	ADP
fsr-3555	111	17	financial	financial	ADJ
fsr-3555	111	18	risk	risk	NOUN
fsr-3555	111	19	tolerance	tolerance	NOUN
fsr-3555	111	20	on	on	ADP
fsr-3555	111	21	retirement	retirement	NOUN
fsr-3555	111	22	planning	planning	NOUN
fsr-3555	111	23	intention	intention	NOUN
fsr-3555	111	24	through	through	ADP
fsr-3555	111	25	retirement	retirement	NOUN
fsr-3555	111	26	planning	planning	NOUN
fsr-3555	111	27	attitude	attitude	NOUN
fsr-3555	111	28	.	.	PUNCT
fsr-3555	112	1	h4	h4	NOUN
fsr-3555	112	2	:	:	PUNCT
fsr-3555	112	3	money	money	NOUN
fsr-3555	112	4	availability	availability	NOUN
fsr-3555	112	5	moderates	moderate	VERB
fsr-3555	112	6	the	the	DET
fsr-3555	112	7	indirect	indirect	ADJ
fsr-3555	112	8	effect	effect	NOUN
fsr-3555	112	9	of	of	ADP
fsr-3555	112	10	financial	financial	ADJ
fsr-3555	112	11	self	self	NOUN
fsr-3555	112	12	-	-	PUNCT
fsr-3555	112	13	efficacy	efficacy	NOUN
fsr-3555	112	14	on	on	ADP
fsr-3555	112	15	retirement	retirement	NOUN
fsr-3555	112	16	planning	planning	NOUN
fsr-3555	112	17	intention	intention	NOUN
fsr-3555	112	18	through	through	ADP
fsr-3555	112	19	retirement	retirement	NOUN
fsr-3555	112	20	planning	planning	NOUN
fsr-3555	112	21	attitude	attitude	NOUN
fsr-3555	112	22	.	.	PUNCT
fsr-3555	113	1	to	to	PART
fsr-3555	113	2	better	well	ADV
fsr-3555	113	3	understand	understand	VERB
fsr-3555	113	4	the	the	DET
fsr-3555	113	5	hypothesized	hypothesized	ADJ
fsr-3555	113	6	relationships	relationship	NOUN
fsr-3555	113	7	,	,	PUNCT
fsr-3555	113	8	we	we	PRON
fsr-3555	113	9	developed	develop	VERB
fsr-3555	113	10	a	a	DET
fsr-3555	113	11	conceptual	conceptual	ADJ
fsr-3555	113	12	model	model	NOUN
fsr-3555	113	13	,	,	PUNCT
fsr-3555	113	14	as	as	SCONJ
fsr-3555	113	15	shown	show	VERB
fsr-3555	113	16	in	in	ADP
fsr-3555	113	17	figure	figure	NOUN
fsr-3555	113	18	1	1	NUM
fsr-3555	113	19	,	,	PUNCT
fsr-3555	113	20	which	which	PRON
fsr-3555	113	21	depicts	depict	VERB
fsr-3555	113	22	the	the	DET
fsr-3555	113	23	mediating	mediate	VERB
fsr-3555	113	24	role	role	NOUN
fsr-3555	113	25	of	of	ADP
fsr-3555	113	26	retirement	retirement	NOUN
fsr-3555	113	27	planning	planning	NOUN
fsr-3555	113	28	attitude	attitude	NOUN
fsr-3555	113	29	on	on	ADP
fsr-3555	113	30	the	the	DET
fsr-3555	113	31	direct	direct	ADJ
fsr-3555	113	32	influences	influence	NOUN
fsr-3555	113	33	of	of	ADP
fsr-3555	113	34	financial	financial	ADJ
fsr-3555	113	35	risk	risk	NOUN
fsr-3555	113	36	tolerance	tolerance	NOUN
fsr-3555	113	37	and	and	CCONJ
fsr-3555	113	38	selfefficacy	selfefficacy	NOUN
fsr-3555	113	39	on	on	ADP
fsr-3555	113	40	retirement	retirement	NOUN
fsr-3555	113	41	planning	planning	NOUN
fsr-3555	113	42	intention	intention	NOUN
fsr-3555	113	43	.	.	PUNCT
fsr-3555	114	1	it	it	PRON
fsr-3555	114	2	also	also	ADV
fsr-3555	114	3	shows	show	VERB
fsr-3555	114	4	the	the	DET
fsr-3555	114	5	moderating	moderate	VERB
fsr-3555	114	6	role	role	NOUN
fsr-3555	114	7	of	of	ADP
fsr-3555	114	8	money	money	NOUN
fsr-3555	114	9	availability	availability	NOUN
fsr-3555	114	10	on	on	ADP
fsr-3555	114	11	such	such	ADJ
fsr-3555	114	12	mediating	mediate	VERB
fsr-3555	114	13	effects	effect	NOUN
fsr-3555	114	14	.	.	PUNCT
fsr-3555	115	1	figure	figure	NOUN
fsr-3555	115	2	1	1	NUM
fsr-3555	115	3	.	.	PUNCT
fsr-3555	116	1	conceptual	conceptual	ADJ
fsr-3555	116	2	framework	framework	NOUN
fsr-3555	116	3	showing	show	VERB
fsr-3555	116	4	hypothesized	hypothesized	ADJ
fsr-3555	116	5	relationships	relationship	NOUN
fsr-3555	116	6	methodology	methodology	NOUN
fsr-3555	116	7	sample	sample	NOUN
fsr-3555	116	8	and	and	CCONJ
fsr-3555	116	9	data	datum	NOUN
fsr-3555	116	10	collection	collection	NOUN
fsr-3555	116	11	a	a	DET
fsr-3555	116	12	market	market	NOUN
fsr-3555	116	13	research	research	NOUN
fsr-3555	116	14	firm	firm	NOUN
fsr-3555	116	15	was	be	AUX
fsr-3555	116	16	hired	hire	VERB
fsr-3555	116	17	to	to	PART
fsr-3555	116	18	collect	collect	VERB
fsr-3555	116	19	responses	response	NOUN
fsr-3555	116	20	from	from	ADP
fsr-3555	116	21	adults	adult	NOUN
fsr-3555	116	22	living	live	VERB
fsr-3555	116	23	in	in	ADP
fsr-3555	116	24	dhaka	dhaka	PROPN
fsr-3555	116	25	,	,	PUNCT
fsr-3555	116	26	the	the	DET
fsr-3555	116	27	capital	capital	NOUN
fsr-3555	116	28	and	and	CCONJ
fsr-3555	116	29	most	most	ADV
fsr-3555	116	30	populous	populous	ADJ
fsr-3555	116	31	city	city	NOUN
fsr-3555	116	32	of	of	ADP
fsr-3555	116	33	bangladesh	bangladesh	PROPN
fsr-3555	116	34	.	.	PUNCT
fsr-3555	117	1	the	the	DET
fsr-3555	117	2	recruited	recruit	VERB
fsr-3555	117	3	fieldworkers	fieldworker	NOUN
fsr-3555	117	4	distributed	distribute	VERB
fsr-3555	117	5	selfadministered	selfadministered	ADJ
fsr-3555	117	6	survey	survey	NOUN
fsr-3555	117	7	questionnaires	questionnaire	NOUN
fsr-3555	117	8	to	to	ADP
fsr-3555	117	9	respondents	respondent	NOUN
fsr-3555	117	10	in	in	ADP
fsr-3555	117	11	key	key	ADJ
fsr-3555	117	12	commercial	commercial	ADJ
fsr-3555	117	13	areas	area	NOUN
fsr-3555	117	14	of	of	ADP
fsr-3555	117	15	the	the	DET
fsr-3555	117	16	city	city	NOUN
fsr-3555	117	17	,	,	PUNCT
fsr-3555	117	18	including	include	VERB
fsr-3555	117	19	motijheel	motijheel	PROPN
fsr-3555	117	20	,	,	PUNCT
fsr-3555	117	21	gulshan	gulshan	PROPN
fsr-3555	117	22	,	,	PUNCT
fsr-3555	117	23	mohammadpur	mohammadpur	PROPN
fsr-3555	117	24	,	,	PUNCT
fsr-3555	117	25	banani	banani	NOUN
fsr-3555	117	26	,	,	PUNCT
fsr-3555	117	27	and	and	CCONJ
fsr-3555	117	28	uttara	uttara	PROPN
fsr-3555	117	29	.	.	PUNCT
fsr-3555	118	1	the	the	DET
fsr-3555	118	2	data	data	PROPN
fsr-3555	118	3	collection	collection	NOUN
fsr-3555	118	4	period	period	NOUN
fsr-3555	118	5	spanned	span	VERB
fsr-3555	118	6	from	from	ADP
fsr-3555	118	7	april	april	PROPN
fsr-3555	118	8	to	to	ADP
fsr-3555	118	9	may	may	PROPN
fsr-3555	118	10	2023	2023	NUM
fsr-3555	118	11	.	.	PUNCT
fsr-3555	119	1	out	out	ADP
fsr-3555	119	2	of	of	ADP
fsr-3555	119	3	870	870	NUM
fsr-3555	119	4	individuals	individual	NOUN
fsr-3555	119	5	approached	approach	VERB
fsr-3555	119	6	,	,	PUNCT
fsr-3555	119	7	329	329	NUM
fsr-3555	119	8	successfully	successfully	ADV
fsr-3555	119	9	completed	complete	VERB
fsr-3555	119	10	the	the	DET
fsr-3555	119	11	survey	survey	NOUN
fsr-3555	119	12	,	,	PUNCT
fsr-3555	119	13	resulting	result	VERB
fsr-3555	119	14	in	in	ADP
fsr-3555	119	15	a	a	DET
fsr-3555	119	16	response	response	NOUN
fsr-3555	119	17	rate	rate	NOUN
fsr-3555	119	18	of	of	ADP
fsr-3555	119	19	37.82	37.82	NUM
fsr-3555	119	20	%	%	NOUN
fsr-3555	119	21	.	.	PUNCT
fsr-3555	120	1	after	after	ADP
fsr-3555	120	2	eliminating	eliminate	VERB
fsr-3555	120	3	cases	case	NOUN
fsr-3555	120	4	with	with	ADP
fsr-3555	120	5	incomplete	incomplete	ADJ
fsr-3555	120	6	responses	response	NOUN
fsr-3555	120	7	,	,	PUNCT
fsr-3555	120	8	a	a	DET
fsr-3555	120	9	total	total	NOUN
fsr-3555	120	10	of	of	ADP
fsr-3555	120	11	301	301	NUM
fsr-3555	120	12	usable	usable	ADJ
fsr-3555	120	13	responses	response	NOUN
fsr-3555	120	14	were	be	AUX
fsr-3555	120	15	retained	retain	VERB
fsr-3555	120	16	for	for	ADP
fsr-3555	120	17	the	the	DET
fsr-3555	120	18	analysis	analysis	NOUN
fsr-3555	120	19	.	.	PUNCT
fsr-3555	121	1	table	table	NOUN
fsr-3555	121	2	1	1	NUM
fsr-3555	121	3	provides	provide	VERB
fsr-3555	121	4	an	an	DET
fsr-3555	121	5	overview	overview	NOUN
fsr-3555	121	6	of	of	ADP
fsr-3555	121	7	the	the	DET
fsr-3555	121	8	study	study	NOUN
fsr-3555	121	9	population	population	NOUN
fsr-3555	121	10	's	's	PART
fsr-3555	121	11	characteristics	characteristic	NOUN
fsr-3555	121	12	,	,	PUNCT
fsr-3555	121	13	offering	offer	VERB
fsr-3555	121	14	insights	insight	NOUN
fsr-3555	121	15	into	into	ADP
fsr-3555	121	16	their	their	PRON
fsr-3555	121	17	gender	gender	NOUN
fsr-3555	121	18	distribution	distribution	NOUN
fsr-3555	121	19	,	,	PUNCT
fsr-3555	121	20	marital	marital	ADJ
fsr-3555	121	21	status	status	NOUN
fsr-3555	121	22	,	,	PUNCT
fsr-3555	121	23	age	age	NOUN
fsr-3555	121	24	range	range	NOUN
fsr-3555	121	25	,	,	PUNCT
fsr-3555	121	26	income	income	NOUN
fsr-3555	121	27	level	level	NOUN
fsr-3555	121	28	,	,	PUNCT
fsr-3555	121	29	occupational	occupational	ADJ
fsr-3555	121	30	sectors	sector	NOUN
fsr-3555	121	31	,	,	PUNCT
fsr-3555	121	32	and	and	CCONJ
fsr-3555	121	33	educational	educational	ADJ
fsr-3555	121	34	background	background	NOUN
fsr-3555	121	35	.	.	PUNCT
fsr-3555	122	1	ahamed	ahamed	PROPN
fsr-3555	122	2	&	&	CCONJ
fsr-3555	122	3	limbu	limbu	PROPN
fsr-3555	122	4	83	83	NUM
fsr-3555	122	5	table	table	NOUN
fsr-3555	122	6	1	1	NUM
fsr-3555	122	7	.	.	PUNCT
fsr-3555	123	1	demographic	demographic	ADJ
fsr-3555	123	2	characteristics	characteristic	NOUN
fsr-3555	123	3	of	of	ADP
fsr-3555	123	4	respondents	respondent	NOUN
fsr-3555	123	5	(	(	PUNCT
fsr-3555	123	6	n=301	n=301	NUM
fsr-3555	123	7	)	)	PUNCT
fsr-3555	123	8	variable	variable	ADJ
fsr-3555	123	9	numbers	number	NOUN
fsr-3555	123	10	percent	percent	VERB
fsr-3555	123	11	gender	gender	NOUN
fsr-3555	123	12	male	male	NOUN
fsr-3555	123	13	197	197	NUM
fsr-3555	123	14	65.40	65.40	NUM
fsr-3555	123	15	female	female	ADJ
fsr-3555	123	16	104	104	NUM
fsr-3555	123	17	34.60	34.60	NUM
fsr-3555	123	18	marital	marital	ADJ
fsr-3555	123	19	status	status	NOUN
fsr-3555	123	20	married	marry	VERB
fsr-3555	123	21	264	264	NUM
fsr-3555	123	22	87.7	87.7	NUM
fsr-3555	123	23	unmarried	unmarried	ADJ
fsr-3555	123	24	35	35	NUM
fsr-3555	123	25	11.6	11.6	NUM
fsr-3555	123	26	other	other	ADJ
fsr-3555	123	27	2	2	NUM
fsr-3555	123	28	0.70	0.70	NUM
fsr-3555	123	29	age	age	NOUN
fsr-3555	123	30	median	median	NOUN
fsr-3555	123	31	age	age	NOUN
fsr-3555	123	32	36	36	NUM
fsr-3555	123	33	–	–	SYM
fsr-3555	123	34	40	40	NUM
fsr-3555	123	35	years	year	NOUN
fsr-3555	123	36	family	family	NOUN
fsr-3555	123	37	income	income	NOUN
fsr-3555	123	38	median	median	PROPN
fsr-3555	123	39	monthly	monthly	ADJ
fsr-3555	123	40	family	family	NOUN
fsr-3555	123	41	income	income	NOUN
fsr-3555	123	42	101,000	101,000	NUM
fsr-3555	123	43	–	–	PUNCT
fsr-3555	123	44	120,000	120,000	NUM
fsr-3555	123	45	bdt	bdt	NOUN
fsr-3555	123	46	(	(	PUNCT
fsr-3555	123	47	equivalent	equivalent	ADJ
fsr-3555	123	48	to	to	ADP
fsr-3555	123	49	approx	approx	PROPN
fsr-3555	123	50	.	.	PUNCT
fsr-3555	124	1	usd	usd	NOUN
fsr-3555	124	2	913	913	NUM
fsr-3555	124	3	–	–	PUNCT
fsr-3555	124	4	1,084	1,084	NUM
fsr-3555	124	5	)	)	PUNCT
fsr-3555	124	6	occupation	occupation	NOUN
fsr-3555	124	7	banker	banker	NOUN
fsr-3555	124	8	85	85	NUM
fsr-3555	124	9	28.20	28.20	NUM
fsr-3555	124	10	governement	governement	PROPN
fsr-3555	124	11	service	service	NOUN
fsr-3555	124	12	96	96	NUM
fsr-3555	124	13	31.90	31.90	NUM
fsr-3555	124	14	businessman	businessman	NOUN
fsr-3555	124	15	/entrepreneur	/entrepreneur	PUNCT
fsr-3555	125	1	41	41	NUM
fsr-3555	125	2	13.60	13.60	NUM
fsr-3555	125	3	private	private	ADJ
fsr-3555	125	4	service	service	NOUN
fsr-3555	125	5	38	38	NUM
fsr-3555	125	6	12.60	12.60	NUM
fsr-3555	125	7	other	other	ADJ
fsr-3555	125	8	41	41	NUM
fsr-3555	125	9	13.60	13.60	NUM
fsr-3555	125	10	education	education	NOUN
fsr-3555	125	11	higher	high	ADJ
fsr-3555	125	12	secondary	secondary	ADJ
fsr-3555	125	13	/	/	SYM
fsr-3555	125	14	vocational	vocational	ADJ
fsr-3555	125	15	high	high	ADJ
fsr-3555	125	16	school	school	NOUN
fsr-3555	125	17	13	13	NUM
fsr-3555	125	18	4.30	4.30	NUM
fsr-3555	125	19	bachelor	bachelor	NOUN
fsr-3555	125	20	’s	’s	PART
fsr-3555	125	21	degree	degree	NOUN
fsr-3555	125	22	3	3	NUM
fsr-3555	125	23	1.0	1.0	NUM
fsr-3555	125	24	master	master	NOUN
fsr-3555	125	25	degree	degree	NOUN
fsr-3555	125	26	42	42	NUM
fsr-3555	125	27	14.0	14.0	NUM
fsr-3555	125	28	doctoral	doctoral	ADJ
fsr-3555	125	29	degreee	degreee	NOUN
fsr-3555	125	30	17	17	NUM
fsr-3555	125	31	17.0	17.0	NUM
fsr-3555	125	32	other	other	ADJ
fsr-3555	125	33	226	226	NUM
fsr-3555	125	34	75.10	75.10	NUM
fsr-3555	125	35	measures	measure	NOUN
fsr-3555	125	36	we	we	PRON
fsr-3555	125	37	adapted	adapt	VERB
fsr-3555	125	38	four	four	NUM
fsr-3555	125	39	-	-	PUNCT
fsr-3555	125	40	items	item	NOUN
fsr-3555	125	41	from	from	ADP
fsr-3555	125	42	joo	joo	NOUN
fsr-3555	125	43	and	and	CCONJ
fsr-3555	125	44	grable	grable	PROPN
fsr-3555	125	45	(	(	PUNCT
fsr-3555	125	46	2004	2004	NUM
fsr-3555	125	47	)	)	PUNCT
fsr-3555	125	48	to	to	PART
fsr-3555	125	49	measure	measure	VERB
fsr-3555	125	50	financial	financial	ADJ
fsr-3555	125	51	risk	risk	NOUN
fsr-3555	125	52	tolerance	tolerance	NOUN
fsr-3555	125	53	(	(	PUNCT
fsr-3555	125	54	e.g.	e.g.	ADV
fsr-3555	125	55	,	,	PUNCT
fsr-3555	125	56	i	i	PRON
fsr-3555	125	57	am	be	AUX
fsr-3555	125	58	more	more	ADV
fsr-3555	125	59	comfortable	comfortable	ADJ
fsr-3555	125	60	putting	put	VERB
fsr-3555	125	61	my	my	PRON
fsr-3555	125	62	money	money	NOUN
fsr-3555	125	63	in	in	ADP
fsr-3555	125	64	a	a	DET
fsr-3555	125	65	bank	bank	NOUN
fsr-3555	125	66	account	account	NOUN
fsr-3555	125	67	than	than	ADP
fsr-3555	125	68	in	in	ADP
fsr-3555	125	69	the	the	DET
fsr-3555	125	70	stock	stock	NOUN
fsr-3555	125	71	market	market	NOUN
fsr-3555	125	72	)	)	PUNCT
fsr-3555	125	73	.	.	PUNCT
fsr-3555	126	1	all	all	DET
fsr-3555	126	2	responses	response	NOUN
fsr-3555	126	3	ranged	range	VERB
fsr-3555	126	4	from	from	ADP
fsr-3555	126	5	1	1	NUM
fsr-3555	126	6	(	(	PUNCT
fsr-3555	126	7	strongly	strongly	ADV
fsr-3555	126	8	disagree	disagree	VERB
fsr-3555	126	9	)	)	PUNCT
fsr-3555	126	10	to	to	ADP
fsr-3555	126	11	7	7	NUM
fsr-3555	126	12	(	(	PUNCT
fsr-3555	126	13	strongly	strongly	ADV
fsr-3555	126	14	agree	agree	VERB
fsr-3555	126	15	)	)	PUNCT
fsr-3555	126	16	.	.	PUNCT
fsr-3555	127	1	we	we	PRON
fsr-3555	127	2	used	use	VERB
fsr-3555	127	3	farrell	farrell	PROPN
fsr-3555	127	4	et	et	PROPN
fsr-3555	127	5	al	al	PROPN
fsr-3555	127	6	.	.	PROPN
fsr-3555	127	7	's	's	PART
fsr-3555	127	8	(	(	PUNCT
fsr-3555	127	9	2016	2016	NUM
fsr-3555	127	10	)	)	PUNCT
fsr-3555	127	11	six	six	NUM
fsr-3555	127	12	-	-	PUNCT
fsr-3555	127	13	item	item	NOUN
fsr-3555	127	14	scale	scale	NOUN
fsr-3555	127	15	to	to	PART
fsr-3555	127	16	measure	measure	VERB
fsr-3555	127	17	financial	financial	ADJ
fsr-3555	127	18	self	self	NOUN
fsr-3555	127	19	-	-	PUNCT
fsr-3555	127	20	efficacy	efficacy	NOUN
fsr-3555	127	21	(	(	PUNCT
fsr-3555	127	22	e.g.	e.g.	ADV
fsr-3555	127	23	,	,	PUNCT
fsr-3555	127	24	i	i	PRON
fsr-3555	127	25	worry	worry	VERB
fsr-3555	127	26	about	about	ADP
fsr-3555	127	27	running	run	VERB
fsr-3555	127	28	out	out	ADP
fsr-3555	127	29	of	of	ADP
fsr-3555	127	30	money	money	NOUN
fsr-3555	127	31	in	in	ADP
fsr-3555	127	32	retirement	retirement	NOUN
fsr-3555	127	33	)	)	PUNCT
fsr-3555	127	34	.	.	PUNCT
fsr-3555	128	1	the	the	DET
fsr-3555	128	2	retirement	retirement	NOUN
fsr-3555	128	3	planning	planning	NOUN
fsr-3555	128	4	attitude	attitude	NOUN
fsr-3555	128	5	(	(	PUNCT
fsr-3555	128	6	e.g.	e.g.	ADV
fsr-3555	128	7	,	,	PUNCT
fsr-3555	128	8	planning	plan	VERB
fsr-3555	128	9	for	for	ADP
fsr-3555	128	10	retirement	retirement	NOUN
fsr-3555	128	11	needs	need	VERB
fsr-3555	128	12	too	too	ADV
fsr-3555	128	13	much	much	ADJ
fsr-3555	128	14	time	time	NOUN
fsr-3555	128	15	and	and	CCONJ
fsr-3555	128	16	effort	effort	NOUN
fsr-3555	128	17	)	)	PUNCT
fsr-3555	128	18	and	and	CCONJ
fsr-3555	128	19	retirement	retirement	NOUN
fsr-3555	128	20	planning	planning	NOUN
fsr-3555	128	21	intention	intention	NOUN
fsr-3555	128	22	(	(	PUNCT
fsr-3555	128	23	e.g.	e.g.	ADV
fsr-3555	128	24	,	,	PUNCT
fsr-3555	128	25	i	i	PRON
fsr-3555	128	26	participate	participate	VERB
fsr-3555	128	27	in	in	ADP
fsr-3555	128	28	workshops	workshop	NOUN
fsr-3555	128	29	/	/	SYM
fsr-3555	128	30	seminars	seminar	NOUN
fsr-3555	128	31	on	on	ADP
fsr-3555	128	32	retirement	retirement	NOUN
fsr-3555	128	33	planning	planning	NOUN
fsr-3555	128	34	)	)	PUNCT
fsr-3555	128	35	variables	variable	NOUN
fsr-3555	128	36	were	be	AUX
fsr-3555	128	37	measured	measure	VERB
fsr-3555	128	38	using	use	VERB
fsr-3555	128	39	a	a	DET
fsr-3555	128	40	sixitem	sixitem	NOUN
fsr-3555	128	41	scale	scale	NOUN
fsr-3555	128	42	and	and	CCONJ
fsr-3555	128	43	nine	nine	NUM
fsr-3555	128	44	-	-	PUNCT
fsr-3555	128	45	item	item	NOUN
fsr-3555	128	46	scale	scale	NOUN
fsr-3555	128	47	,	,	PUNCT
fsr-3555	128	48	respectively	respectively	ADV
fsr-3555	128	49	,	,	PUNCT
fsr-3555	128	50	that	that	PRON
fsr-3555	128	51	were	be	AUX
fsr-3555	128	52	adapted	adapt	VERB
fsr-3555	128	53	from	from	ADP
fsr-3555	128	54	previous	previous	ADJ
fsr-3555	128	55	studies	study	NOUN
fsr-3555	128	56	(	(	PUNCT
fsr-3555	128	57	kimiyaghalam	kimiyaghalam	PROPN
fsr-3555	128	58	et	et	PROPN
fsr-3555	128	59	al	al	PROPN
fsr-3555	128	60	.	.	PROPN
fsr-3555	128	61	,	,	PUNCT
fsr-3555	128	62	2017	2017	NUM
fsr-3555	128	63	;	;	PUNCT
fsr-3555	129	1	macfarland	macfarland	NOUN
fsr-3555	129	2	et	et	PROPN
fsr-3555	129	3	al	al	PROPN
fsr-3555	129	4	.	.	PROPN
fsr-3555	129	5	,	,	PUNCT
fsr-3555	129	6	2004	2004	NUM
fsr-3555	129	7	;	;	PUNCT
fsr-3555	129	8	noone	noone	NOUN
fsr-3555	129	9	et	et	PROPN
fsr-3555	129	10	al	al	PROPN
fsr-3555	129	11	.	.	PROPN
fsr-3555	129	12	,	,	PUNCT
fsr-3555	129	13	2010	2010	NUM
fsr-3555	129	14	;	;	PUNCT
fsr-3555	129	15	petkoska	petkoska	PROPN
fsr-3555	129	16	&	&	CCONJ
fsr-3555	129	17	earl	earl	PROPN
fsr-3555	129	18	,	,	PUNCT
fsr-3555	129	19	2009	2009	NUM
fsr-3555	129	20	;	;	PUNCT
fsr-3555	129	21	van	van	PROPN
fsr-3555	129	22	rooij	rooij	NOUN
fsr-3555	129	23	et	et	PROPN
fsr-3555	129	24	al	al	PROPN
fsr-3555	129	25	.	.	PROPN
fsr-3555	129	26	,	,	PUNCT
fsr-3555	129	27	2012	2012	NUM
fsr-3555	129	28	)	)	PUNCT
fsr-3555	129	29	.	.	PUNCT
fsr-3555	130	1	the	the	DET
fsr-3555	130	2	measure	measure	NOUN
fsr-3555	130	3	of	of	ADP
fsr-3555	130	4	money	money	NOUN
fsr-3555	130	5	availability	availability	NOUN
fsr-3555	130	6	was	be	AUX
fsr-3555	130	7	adapted	adapt	VERB
fsr-3555	130	8	from	from	ADP
fsr-3555	130	9	badgaiyan	badgaiyan	PROPN
fsr-3555	130	10	&	&	CCONJ
fsr-3555	130	11	verma	verma	PROPN
fsr-3555	130	12	(	(	PUNCT
fsr-3555	130	13	2015	2015	NUM
fsr-3555	130	14	)	)	PUNCT
fsr-3555	130	15	.	.	PUNCT
fsr-3555	131	1	data	datum	NOUN
fsr-3555	131	2	analysis	analysis	NOUN
fsr-3555	131	3	method	method	NOUN
fsr-3555	131	4	and	and	CCONJ
fsr-3555	131	5	bias	bias	NOUN
fsr-3555	131	6	checks	check	NOUN
fsr-3555	131	7	we	we	PRON
fsr-3555	131	8	investigated	investigate	VERB
fsr-3555	131	9	and	and	CCONJ
fsr-3555	131	10	tested	test	VERB
fsr-3555	131	11	the	the	DET
fsr-3555	131	12	hypothesized	hypothesized	ADJ
fsr-3555	131	13	relationships	relationship	NOUN
fsr-3555	131	14	using	use	VERB
fsr-3555	131	15	a	a	DET
fsr-3555	131	16	two	two	NUM
fsr-3555	131	17	-	-	PUNCT
fsr-3555	131	18	step	step	NOUN
fsr-3555	131	19	partial	partial	ADJ
fsr-3555	131	20	least	least	ADJ
fsr-3555	131	21	squares	square	NOUN
fsr-3555	131	22	(	(	PUNCT
fsr-3555	131	23	pls	pls	NOUN
fsr-3555	131	24	-	-	PUNCT
fsr-3555	131	25	sem	sem	NOUN
fsr-3555	131	26	)	)	PUNCT
fsr-3555	131	27	approach	approach	NOUN
fsr-3555	131	28	.	.	PUNCT
fsr-3555	132	1	we	we	PRON
fsr-3555	132	2	first	first	ADV
fsr-3555	132	3	evaluated	evaluate	VERB
fsr-3555	132	4	the	the	DET
fsr-3555	132	5	validity	validity	NOUN
fsr-3555	132	6	and	and	CCONJ
fsr-3555	132	7	adequacy	adequacy	NOUN
fsr-3555	132	8	of	of	ADP
fsr-3555	132	9	the	the	DET
fsr-3555	132	10	constructs	construct	NOUN
fsr-3555	132	11	(	(	PUNCT
fsr-3555	132	12	outer	outer	ADJ
fsr-3555	132	13	measurement	measurement	NOUN
fsr-3555	132	14	model	model	NOUN
fsr-3555	132	15	)	)	PUNCT
fsr-3555	132	16	,	,	PUNCT
fsr-3555	132	17	followed	follow	VERB
fsr-3555	132	18	by	by	ADP
fsr-3555	132	19	testing	test	VERB
fsr-3555	132	20	the	the	DET
fsr-3555	132	21	structural	structural	ADJ
fsr-3555	132	22	model	model	NOUN
fsr-3555	132	23	with	with	ADP
fsr-3555	132	24	hypothesis	hypothesis	NOUN
fsr-3555	132	25	testing	testing	NOUN
fsr-3555	132	26	(	(	PUNCT
fsr-3555	132	27	inner	inner	ADJ
fsr-3555	132	28	model	model	NOUN
fsr-3555	132	29	)	)	PUNCT
fsr-3555	132	30	(	(	PUNCT
fsr-3555	132	31	hair	hair	NOUN
fsr-3555	132	32	et	et	PROPN
fsr-3555	132	33	al	al	PROPN
fsr-3555	132	34	.	.	PROPN
fsr-3555	132	35	,	,	PUNCT
fsr-3555	132	36	2014	2014	NUM
fsr-3555	132	37	)	)	PUNCT
fsr-3555	132	38	.	.	PUNCT
fsr-3555	133	1	as	as	SCONJ
fsr-3555	133	2	the	the	DET
fsr-3555	133	3	data	datum	NOUN
fsr-3555	133	4	were	be	AUX
fsr-3555	133	5	collected	collect	VERB
fsr-3555	133	6	using	use	VERB
fsr-3555	133	7	a	a	DET
fsr-3555	133	8	self	self	NOUN
fsr-3555	133	9	-	-	PUNCT
fsr-3555	133	10	reported	report	VERB
fsr-3555	133	11	survey	survey	NOUN
fsr-3555	133	12	,	,	PUNCT
fsr-3555	133	13	multiple	multiple	ADJ
fsr-3555	133	14	measures	measure	NOUN
fsr-3555	133	15	were	be	AUX
fsr-3555	133	16	employed	employ	VERB
fsr-3555	133	17	to	to	PART
fsr-3555	133	18	detect	detect	VERB
fsr-3555	133	19	common	common	ADJ
fsr-3555	133	20	method	method	NOUN
fsr-3555	133	21	variance	variance	NOUN
fsr-3555	133	22	(	(	PUNCT
fsr-3555	133	23	cmv	cmv	NOUN
fsr-3555	133	24	)	)	PUNCT
fsr-3555	133	25	.	.	PUNCT
fsr-3555	134	1	firstly	firstly	ADV
fsr-3555	134	2	,	,	PUNCT
fsr-3555	134	3	we	we	PRON
fsr-3555	134	4	ensured	ensure	VERB
fsr-3555	134	5	the	the	DET
fsr-3555	134	6	confidentiality	confidentiality	NOUN
fsr-3555	134	7	and	and	CCONJ
fsr-3555	134	8	anonymity	anonymity	NOUN
fsr-3555	134	9	of	of	ADP
fsr-3555	134	10	all	all	DET
fsr-3555	134	11	respondents	respondent	NOUN
fsr-3555	134	12	.	.	PUNCT
fsr-3555	135	1	secondly	secondly	ADV
fsr-3555	135	2	,	,	PUNCT
fsr-3555	135	3	we	we	PRON
fsr-3555	135	4	employed	employ	VERB
fsr-3555	135	5	harman	harman	NOUN
fsr-3555	135	6	's	's	PART
fsr-3555	135	7	single	single	ADJ
fsr-3555	135	8	-	-	PUNCT
fsr-3555	135	9	factor	factor	NOUN
fsr-3555	135	10	test	test	NOUN
fsr-3555	135	11	as	as	ADP
fsr-3555	135	12	part	part	NOUN
fsr-3555	135	13	of	of	ADP
fsr-3555	135	14	the	the	DET
fsr-3555	135	15	exploratory	exploratory	ADJ
fsr-3555	135	16	factor	factor	NOUN
fsr-3555	135	17	analysis	analysis	NOUN
fsr-3555	135	18	(	(	PUNCT
fsr-3555	135	19	efa	efa	PROPN
fsr-3555	135	20	)	)	PUNCT
fsr-3555	135	21	process	process	NOUN
fsr-3555	135	22	,	,	PUNCT
fsr-3555	135	23	utilizing	utilize	VERB
fsr-3555	135	24	spss	spss	ADJ
fsr-3555	135	25	software	software	NOUN
fsr-3555	135	26	and	and	CCONJ
fsr-3555	135	27	refraining	refrain	VERB
fsr-3555	135	28	from	from	ADP
fsr-3555	135	29	rotating	rotate	VERB
fsr-3555	135	30	factors	factor	NOUN
fsr-3555	135	31	.	.	PUNCT
fsr-3555	136	1	the	the	DET
fsr-3555	136	2	results	result	NOUN
fsr-3555	136	3	indicated	indicate	VERB
fsr-3555	136	4	that	that	SCONJ
fsr-3555	136	5	cmv	cmv	NOUN
fsr-3555	136	6	was	be	AUX
fsr-3555	136	7	not	not	PART
fsr-3555	136	8	a	a	DET
fsr-3555	136	9	significant	significant	ADJ
fsr-3555	136	10	concern	concern	NOUN
fsr-3555	136	11	in	in	ADP
fsr-3555	136	12	our	our	PRON
fsr-3555	136	13	data	datum	NOUN
fsr-3555	136	14	,	,	PUNCT
fsr-3555	136	15	as	as	SCONJ
fsr-3555	136	16	evidenced	evidence	VERB
fsr-3555	136	17	by	by	ADP
fsr-3555	136	18	a	a	DET
fsr-3555	136	19	single	single	ADJ
fsr-3555	136	20	factor	factor	NOUN
fsr-3555	136	21	accounting	account	VERB
fsr-3555	136	22	for	for	ADP
fsr-3555	136	23	only	only	ADV
fsr-3555	136	24	31	31	NUM
fsr-3555	136	25	%	%	NOUN
fsr-3555	136	26	of	of	ADP
fsr-3555	136	27	the	the	DET
fsr-3555	136	28	variance	variance	NOUN
fsr-3555	136	29	(	(	PUNCT
fsr-3555	136	30	hair	hair	NOUN
fsr-3555	136	31	et	et	PROPN
fsr-3555	136	32	al	al	PROPN
fsr-3555	136	33	.	.	PROPN
fsr-3555	136	34	,	,	PUNCT
fsr-3555	136	35	2014	2014	NUM
fsr-3555	136	36	)	)	PUNCT
fsr-3555	136	37	.	.	PUNCT
fsr-3555	137	1	results	result	NOUN
fsr-3555	137	2	and	and	CCONJ
fsr-3555	137	3	discussion	discussion	NOUN
fsr-3555	137	4	measurement	measurement	NOUN
fsr-3555	137	5	model	model	NOUN
fsr-3555	137	6	the	the	DET
fsr-3555	137	7	first	first	ADJ
fsr-3555	137	8	step	step	NOUN
fsr-3555	137	9	in	in	ADP
fsr-3555	137	10	pls	pls	NOUN
fsr-3555	137	11	-	-	PUNCT
fsr-3555	137	12	sem	sem	PROPN
fsr-3555	137	13	is	be	AUX
fsr-3555	137	14	the	the	DET
fsr-3555	137	15	test	test	NOUN
fsr-3555	137	16	of	of	ADP
fsr-3555	137	17	the	the	DET
fsr-3555	137	18	measurement	measurement	NOUN
fsr-3555	137	19	model	model	NOUN
fsr-3555	137	20	by	by	ADP
fsr-3555	137	21	assessing	assess	VERB
fsr-3555	137	22	convergent	convergent	ADJ
fsr-3555	137	23	validity	validity	NOUN
fsr-3555	137	24	and	and	CCONJ
fsr-3555	137	25	discriminant	discriminant	ADJ
fsr-3555	137	26	validity	validity	NOUN
fsr-3555	137	27	(	(	PUNCT
fsr-3555	137	28	hair	hair	NOUN
fsr-3555	137	29	et	et	PROPN
fsr-3555	137	30	al	al	PROPN
fsr-3555	137	31	.	.	PROPN
fsr-3555	137	32	,	,	PUNCT
fsr-3555	137	33	2014	2014	NUM
fsr-3555	137	34	)	)	PUNCT
fsr-3555	137	35	.	.	PUNCT
fsr-3555	138	1	first	first	ADV
fsr-3555	138	2	,	,	PUNCT
fsr-3555	138	3	we	we	PRON
fsr-3555	138	4	evaluated	evaluate	VERB
fsr-3555	138	5	the	the	DET
fsr-3555	138	6	factor	factor	NOUN
fsr-3555	138	7	loadings	loading	NOUN
fsr-3555	138	8	of	of	ADP
fsr-3555	138	9	the	the	DET
fsr-3555	138	10	measurement	measurement	NOUN
fsr-3555	138	11	items	item	NOUN
fsr-3555	138	12	of	of	ADP
fsr-3555	138	13	the	the	DET
fsr-3555	138	14	respective	respective	ADJ
fsr-3555	138	15	constructs	construct	NOUN
fsr-3555	138	16	and	and	CCONJ
fsr-3555	138	17	removed	remove	VERB
fsr-3555	138	18	those	those	PRON
fsr-3555	138	19	that	that	PRON
fsr-3555	138	20	fell	fall	VERB
fsr-3555	138	21	below	below	ADP
fsr-3555	138	22	the	the	DET
fsr-3555	138	23	threshold	threshold	NOUN
fsr-3555	138	24	of	of	ADP
fsr-3555	138	25	0.60	0.60	NUM
fsr-3555	138	26	(	(	PUNCT
fsr-3555	138	27	field	field	NOUN
fsr-3555	138	28	,	,	PUNCT
fsr-3555	138	29	2013	2013	NUM
fsr-3555	138	30	)	)	PUNCT
fsr-3555	138	31	.	.	PUNCT
fsr-3555	139	1	we	we	PRON
fsr-3555	139	2	then	then	ADV
fsr-3555	139	3	used	use	VERB
fsr-3555	139	4	the	the	DET
fsr-3555	139	5	financial	financial	ADJ
fsr-3555	139	6	services	service	NOUN
fsr-3555	139	7	review	review	NOUN
fsr-3555	139	8	,	,	PUNCT
fsr-3555	139	9	32(2	32(2	NUM
fsr-3555	139	10	)	)	PUNCT
fsr-3555	139	11	84	84	NUM
fsr-3555	139	12	average	average	ADJ
fsr-3555	139	13	variance	variance	NOUN
fsr-3555	139	14	extracted	extract	VERB
fsr-3555	139	15	(	(	PUNCT
fsr-3555	139	16	ave	ave	NOUN
fsr-3555	139	17	)	)	PUNCT
fsr-3555	139	18	values	value	NOUN
fsr-3555	139	19	to	to	PART
fsr-3555	139	20	evaluate	evaluate	VERB
fsr-3555	139	21	the	the	DET
fsr-3555	139	22	convergent	convergent	NOUN
fsr-3555	139	23	validity	validity	NOUN
fsr-3555	139	24	of	of	ADP
fsr-3555	139	25	the	the	DET
fsr-3555	139	26	constructs	construct	NOUN
fsr-3555	139	27	.	.	PUNCT
fsr-3555	140	1	according	accord	VERB
fsr-3555	140	2	to	to	ADP
fsr-3555	140	3	hair	hair	NOUN
fsr-3555	140	4	et	et	PROPN
fsr-3555	140	5	al	al	PROPN
fsr-3555	140	6	.	.	PUNCT
fsr-3555	141	1	(	(	PUNCT
fsr-3555	141	2	2014	2014	NUM
fsr-3555	141	3	)	)	PUNCT
fsr-3555	141	4	,	,	PUNCT
fsr-3555	141	5	the	the	DET
fsr-3555	141	6	ave	ave	NOUN
fsr-3555	141	7	values	value	NOUN
fsr-3555	141	8	must	must	AUX
fsr-3555	141	9	be	be	AUX
fsr-3555	141	10	at	at	ADV
fsr-3555	141	11	least	least	ADJ
fsr-3555	141	12	0.50	0.50	NUM
fsr-3555	141	13	.	.	PUNCT
fsr-3555	142	1	additionally	additionally	ADV
fsr-3555	142	2	,	,	PUNCT
fsr-3555	142	3	we	we	PRON
fsr-3555	142	4	ensured	ensure	VERB
fsr-3555	142	5	the	the	DET
fsr-3555	142	6	reliability	reliability	NOUN
fsr-3555	142	7	of	of	ADP
fsr-3555	142	8	the	the	DET
fsr-3555	142	9	constructs	construct	NOUN
fsr-3555	142	10	by	by	ADP
fsr-3555	142	11	using	use	VERB
fsr-3555	142	12	composite	composite	ADJ
fsr-3555	142	13	reliability	reliability	NOUN
fsr-3555	142	14	(	(	PUNCT
fsr-3555	142	15	cr	cr	NOUN
fsr-3555	142	16	)	)	PUNCT
fsr-3555	142	17	values	value	NOUN
fsr-3555	142	18	greater	great	ADJ
fsr-3555	142	19	than	than	ADP
fsr-3555	142	20	0.60	0.60	NUM
fsr-3555	142	21	,	,	PUNCT
fsr-3555	142	22	which	which	PRON
fsr-3555	142	23	exceeded	exceed	VERB
fsr-3555	142	24	the	the	DET
fsr-3555	142	25	statistically	statistically	ADV
fsr-3555	142	26	acceptable	acceptable	ADJ
fsr-3555	142	27	threshold	threshold	NOUN
fsr-3555	142	28	(	(	PUNCT
fsr-3555	142	29	shi	shi	PROPN
fsr-3555	142	30	et	et	PROPN
fsr-3555	142	31	al	al	PROPN
fsr-3555	142	32	.	.	PROPN
fsr-3555	142	33	,	,	PUNCT
fsr-3555	142	34	2012	2012	NUM
fsr-3555	142	35	)	)	PUNCT
fsr-3555	142	36	.	.	PUNCT
fsr-3555	143	1	appendix	appendix	NOUN
fsr-3555	143	2	1	1	NUM
fsr-3555	143	3	summarizes	summarize	NOUN
fsr-3555	143	4	the	the	DET
fsr-3555	143	5	validity	validity	NOUN
fsr-3555	143	6	and	and	CCONJ
fsr-3555	143	7	reliability	reliability	NOUN
fsr-3555	143	8	of	of	ADP
fsr-3555	143	9	the	the	DET
fsr-3555	143	10	constructs	construct	NOUN
fsr-3555	143	11	used	use	VERB
fsr-3555	143	12	in	in	ADP
fsr-3555	143	13	the	the	DET
fsr-3555	143	14	research	research	NOUN
fsr-3555	143	15	model	model	NOUN
fsr-3555	143	16	.	.	PUNCT
fsr-3555	144	1	as	as	ADP
fsr-3555	144	2	a	a	DET
fsr-3555	144	3	measure	measure	NOUN
fsr-3555	144	4	of	of	ADP
fsr-3555	144	5	discriminant	discriminant	ADJ
fsr-3555	144	6	validity	validity	NOUN
fsr-3555	144	7	,	,	PUNCT
fsr-3555	144	8	we	we	PRON
fsr-3555	144	9	calculated	calculate	VERB
fsr-3555	144	10	the	the	DET
fsr-3555	144	11	heterotrait	heterotrait	ADJ
fsr-3555	144	12	-	-	PUNCT
fsr-3555	144	13	monotrait	monotrait	NOUN
fsr-3555	144	14	ratio	ratio	NOUN
fsr-3555	144	15	(	(	PUNCT
fsr-3555	144	16	htmt	htmt	PROPN
fsr-3555	144	17	)	)	PUNCT
fsr-3555	144	18	of	of	ADP
fsr-3555	144	19	correlations	correlation	NOUN
fsr-3555	144	20	(	(	PUNCT
fsr-3555	144	21	appendix	appendix	NOUN
fsr-3555	144	22	2	2	NUM
fsr-3555	144	23	)	)	PUNCT
fsr-3555	144	24	and	and	CCONJ
fsr-3555	144	25	applied	apply	VERB
fsr-3555	144	26	the	the	DET
fsr-3555	144	27	fornell	fornell	NOUN
fsr-3555	144	28	-	-	PUNCT
fsr-3555	144	29	larcker	larcker	NOUN
fsr-3555	144	30	criterion	criterion	NOUN
fsr-3555	144	31	(	(	PUNCT
fsr-3555	144	32	appendix	appendix	NOUN
fsr-3555	144	33	3	3	NUM
fsr-3555	144	34	)	)	PUNCT
fsr-3555	144	35	.	.	PUNCT
fsr-3555	145	1	we	we	PRON
fsr-3555	145	2	demonstrated	demonstrate	VERB
fsr-3555	145	3	proper	proper	ADJ
fsr-3555	145	4	discriminant	discriminant	ADJ
fsr-3555	145	5	validity	validity	NOUN
fsr-3555	145	6	for	for	ADP
fsr-3555	145	7	both	both	DET
fsr-3555	145	8	indices	index	NOUN
fsr-3555	145	9	by	by	ADP
fsr-3555	145	10	satisfying	satisfy	VERB
fsr-3555	145	11	the	the	DET
fsr-3555	145	12	recommended	recommend	VERB
fsr-3555	145	13	thresholds	threshold	NOUN
fsr-3555	145	14	(	(	PUNCT
fsr-3555	145	15	hair	hair	NOUN
fsr-3555	145	16	et	et	PROPN
fsr-3555	145	17	al	al	PROPN
fsr-3555	145	18	.	.	PROPN
fsr-3555	145	19	,	,	PUNCT
fsr-3555	145	20	2014	2014	NUM
fsr-3555	145	21	)	)	PUNCT
fsr-3555	145	22	.	.	PUNCT
fsr-3555	146	1	structural	structural	ADJ
fsr-3555	146	2	model	model	NOUN
fsr-3555	146	3	and	and	CCONJ
fsr-3555	146	4	hypothesis	hypothesis	NOUN
fsr-3555	146	5	testing	testing	NOUN
fsr-3555	146	6	once	once	ADV
fsr-3555	146	7	the	the	DET
fsr-3555	146	8	reliability	reliability	NOUN
fsr-3555	146	9	and	and	CCONJ
fsr-3555	146	10	validity	validity	NOUN
fsr-3555	146	11	of	of	ADP
fsr-3555	146	12	the	the	DET
fsr-3555	146	13	construct	construct	NOUN
fsr-3555	146	14	have	have	AUX
fsr-3555	146	15	been	be	AUX
fsr-3555	146	16	established	establish	VERB
fsr-3555	146	17	,	,	PUNCT
fsr-3555	146	18	the	the	DET
fsr-3555	146	19	next	next	ADJ
fsr-3555	146	20	stage	stage	NOUN
fsr-3555	146	21	in	in	ADP
fsr-3555	146	22	partial	partial	ADJ
fsr-3555	146	23	least	least	ADJ
fsr-3555	146	24	squares	square	NOUN
fsr-3555	146	25	structural	structural	ADJ
fsr-3555	146	26	equation	equation	NOUN
fsr-3555	146	27	modeling	modeling	NOUN
fsr-3555	146	28	(	(	PUNCT
fsr-3555	146	29	pls	pls	INTJ
fsr-3555	146	30	-	-	PUNCT
fsr-3555	146	31	sem	sem	NOUN
fsr-3555	146	32	)	)	PUNCT
fsr-3555	146	33	involves	involve	VERB
fsr-3555	146	34	conducting	conduct	VERB
fsr-3555	146	35	a	a	DET
fsr-3555	146	36	path	path	NOUN
fsr-3555	146	37	analysis	analysis	NOUN
fsr-3555	146	38	to	to	PART
fsr-3555	146	39	evaluate	evaluate	VERB
fsr-3555	146	40	the	the	DET
fsr-3555	146	41	proposed	propose	VERB
fsr-3555	146	42	direct	direct	ADJ
fsr-3555	146	43	and	and	CCONJ
fsr-3555	146	44	indirect	indirect	ADJ
fsr-3555	146	45	relationships	relationship	NOUN
fsr-3555	146	46	within	within	ADP
fsr-3555	146	47	the	the	DET
fsr-3555	146	48	model	model	NOUN
fsr-3555	146	49	.	.	PUNCT
fsr-3555	147	1	additionally	additionally	ADV
fsr-3555	147	2	,	,	PUNCT
fsr-3555	147	3	this	this	DET
fsr-3555	147	4	step	step	NOUN
fsr-3555	147	5	assesses	assess	VERB
fsr-3555	147	6	the	the	DET
fsr-3555	147	7	overall	overall	ADJ
fsr-3555	147	8	quality	quality	NOUN
fsr-3555	147	9	and	and	CCONJ
fsr-3555	147	10	accuracy	accuracy	NOUN
fsr-3555	147	11	of	of	ADP
fsr-3555	147	12	the	the	DET
fsr-3555	147	13	model	model	NOUN
fsr-3555	147	14	's	's	PART
fsr-3555	147	15	predictive	predictive	ADJ
fsr-3555	147	16	capabilities	capability	NOUN
fsr-3555	147	17	.	.	PUNCT
fsr-3555	148	1	we	we	PRON
fsr-3555	148	2	adhered	adhere	VERB
fsr-3555	148	3	to	to	ADP
fsr-3555	148	4	the	the	DET
fsr-3555	148	5	established	establish	VERB
fsr-3555	148	6	procedures	procedure	NOUN
fsr-3555	148	7	recommended	recommend	VERB
fsr-3555	148	8	by	by	ADP
fsr-3555	148	9	prior	prior	ADJ
fsr-3555	148	10	researchers	researcher	NOUN
fsr-3555	148	11	for	for	ADP
fsr-3555	148	12	examining	examine	VERB
fsr-3555	148	13	direct	direct	ADJ
fsr-3555	148	14	relationships	relationship	NOUN
fsr-3555	148	15	and	and	CCONJ
fsr-3555	148	16	conditional	conditional	ADJ
fsr-3555	148	17	mediation	mediation	NOUN
fsr-3555	148	18	(	(	PUNCT
fsr-3555	148	19	e.g.	e.g.	ADV
fsr-3555	148	20	,	,	PUNCT
fsr-3555	148	21	hair	hair	NOUN
fsr-3555	148	22	et	et	PROPN
fsr-3555	148	23	al	al	PROPN
fsr-3555	148	24	.	.	PROPN
fsr-3555	148	25	,	,	PUNCT
fsr-3555	148	26	2014	2014	NUM
fsr-3555	148	27	;	;	PUNCT
fsr-3555	148	28	preacher	preacher	NOUN
fsr-3555	148	29	et	et	PROPN
fsr-3555	148	30	al	al	PROPN
fsr-3555	148	31	.	.	PROPN
fsr-3555	148	32	,	,	PUNCT
fsr-3555	148	33	2007	2007	NUM
fsr-3555	148	34	)	)	PUNCT
fsr-3555	148	35	.	.	PUNCT
fsr-3555	149	1	during	during	ADP
fsr-3555	149	2	bootstrapping	bootstrappe	VERB
fsr-3555	149	3	,	,	PUNCT
fsr-3555	149	4	we	we	PRON
fsr-3555	149	5	employed	employ	VERB
fsr-3555	149	6	the	the	DET
fsr-3555	149	7	widely	widely	ADV
fsr-3555	149	8	accepted	accept	VERB
fsr-3555	149	9	approach	approach	NOUN
fsr-3555	149	10	of	of	ADP
fsr-3555	149	11	using	use	VERB
fsr-3555	149	12	5,000	5,000	NUM
fsr-3555	149	13	subsamples	subsample	NOUN
fsr-3555	149	14	.	.	PUNCT
fsr-3555	150	1	in	in	ADP
fsr-3555	150	2	earlier	early	ADJ
fsr-3555	150	3	versions	version	NOUN
fsr-3555	150	4	of	of	ADP
fsr-3555	150	5	the	the	DET
fsr-3555	150	6	smart	smart	ADJ
fsr-3555	150	7	-	-	PUNCT
fsr-3555	150	8	pls	pls	NOUN
fsr-3555	150	9	software	software	NOUN
fsr-3555	150	10	,	,	PUNCT
fsr-3555	150	11	researchers	researcher	NOUN
fsr-3555	150	12	had	have	VERB
fsr-3555	150	13	to	to	PART
fsr-3555	150	14	perform	perform	VERB
fsr-3555	150	15	multiple	multiple	ADJ
fsr-3555	150	16	steps	step	NOUN
fsr-3555	150	17	and	and	CCONJ
fsr-3555	150	18	run	run	VERB
fsr-3555	150	19	different	different	ADJ
fsr-3555	150	20	models	model	NOUN
fsr-3555	150	21	to	to	PART
fsr-3555	150	22	investigate	investigate	VERB
fsr-3555	150	23	moderated	moderated	ADJ
fsr-3555	150	24	mediation	mediation	NOUN
fsr-3555	150	25	analyses	analysis	NOUN
fsr-3555	150	26	.	.	PUNCT
fsr-3555	151	1	however	however	ADV
fsr-3555	151	2	,	,	PUNCT
fsr-3555	151	3	in	in	ADP
fsr-3555	151	4	the	the	DET
fsr-3555	151	5	latest	late	ADJ
fsr-3555	151	6	iteration	iteration	NOUN
fsr-3555	151	7	,	,	PUNCT
fsr-3555	151	8	smart	smart	ADJ
fsr-3555	151	9	-	-	PUNCT
fsr-3555	151	10	pls	pls	NOUN
fsr-3555	151	11	4.0	4.0	NUM
fsr-3555	151	12	,	,	PUNCT
fsr-3555	151	13	this	this	DET
fsr-3555	151	14	analysis	analysis	NOUN
fsr-3555	151	15	can	can	AUX
fsr-3555	151	16	be	be	AUX
fsr-3555	151	17	conducted	conduct	VERB
fsr-3555	151	18	within	within	ADP
fsr-3555	151	19	a	a	DET
fsr-3555	151	20	single	single	ADJ
fsr-3555	151	21	model	model	NOUN
fsr-3555	151	22	.	.	PUNCT
fsr-3555	152	1	figure	figure	NOUN
fsr-3555	152	2	2	2	NUM
fsr-3555	152	3	presents	present	VERB
fsr-3555	152	4	a	a	DET
fsr-3555	152	5	visual	visual	ADJ
fsr-3555	152	6	representation	representation	NOUN
fsr-3555	152	7	of	of	ADP
fsr-3555	152	8	the	the	DET
fsr-3555	152	9	results	result	NOUN
fsr-3555	152	10	derived	derive	VERB
fsr-3555	152	11	from	from	ADP
fsr-3555	152	12	the	the	DET
fsr-3555	152	13	path	path	NOUN
fsr-3555	152	14	model	model	NOUN
fsr-3555	152	15	,	,	PUNCT
fsr-3555	152	16	including	include	VERB
fsr-3555	152	17	beta	beta	ADJ
fsr-3555	152	18	coefficients	coefficient	NOUN
fsr-3555	152	19	and	and	CCONJ
fsr-3555	152	20	their	their	PRON
fsr-3555	152	21	significance	significance	NOUN
fsr-3555	152	22	.	.	PUNCT
fsr-3555	153	1	figure	figure	NOUN
fsr-3555	153	2	2	2	NUM
fsr-3555	153	3	.	.	PUNCT
fsr-3555	153	4	hypothesized	hypothesize	VERB
fsr-3555	153	5	relationships	relationship	NOUN
fsr-3555	153	6	with	with	ADP
fsr-3555	153	7	coefficients	coefficient	NOUN
fsr-3555	153	8	and	and	CCONJ
fsr-3555	153	9	their	their	PRON
fsr-3555	153	10	significance	significance	NOUN
fsr-3555	153	11	in	in	ADP
fsr-3555	153	12	terms	term	NOUN
fsr-3555	153	13	of	of	ADP
fsr-3555	153	14	assessing	assess	VERB
fsr-3555	153	15	the	the	DET
fsr-3555	153	16	quality	quality	NOUN
fsr-3555	153	17	of	of	ADP
fsr-3555	153	18	the	the	DET
fsr-3555	153	19	model	model	NOUN
fsr-3555	153	20	,	,	PUNCT
fsr-3555	153	21	we	we	PRON
fsr-3555	153	22	observed	observe	VERB
fsr-3555	153	23	that	that	SCONJ
fsr-3555	153	24	the	the	DET
fsr-3555	153	25	r	r	NOUN
fsr-3555	153	26	-	-	PUNCT
fsr-3555	153	27	squared	square	VERB
fsr-3555	153	28	(	(	PUNCT
fsr-3555	153	29	r2	r2	PROPN
fsr-3555	153	30	)	)	PUNCT
fsr-3555	153	31	and	and	CCONJ
fsr-3555	153	32	adjusted	adjust	VERB
fsr-3555	153	33	rsquared	rsquare	VERB
fsr-3555	153	34	(	(	PUNCT
fsr-3555	153	35	adjusted	adjusted	ADJ
fsr-3555	153	36	r2	r2	NOUN
fsr-3555	153	37	)	)	PUNCT
fsr-3555	153	38	values	value	NOUN
fsr-3555	153	39	for	for	ADP
fsr-3555	153	40	retirement	retirement	NOUN
fsr-3555	153	41	planning	planning	NOUN
fsr-3555	153	42	intention	intention	NOUN
fsr-3555	153	43	were	be	AUX
fsr-3555	153	44	39	39	NUM
fsr-3555	153	45	%	%	NOUN
fsr-3555	153	46	and	and	CCONJ
fsr-3555	153	47	38	38	NUM
fsr-3555	153	48	%	%	NOUN
fsr-3555	153	49	,	,	PUNCT
fsr-3555	153	50	ahamed	ahamed	PROPN
fsr-3555	153	51	&	&	CCONJ
fsr-3555	153	52	limbu	limbu	PROPN
fsr-3555	153	53	85	85	NUM
fsr-3555	153	54	respectively	respectively	ADV
fsr-3555	153	55	.	.	PUNCT
fsr-3555	154	1	these	these	DET
fsr-3555	154	2	values	value	NOUN
fsr-3555	154	3	reflect	reflect	VERB
fsr-3555	154	4	the	the	DET
fsr-3555	154	5	predictive	predictive	ADJ
fsr-3555	154	6	power	power	NOUN
fsr-3555	154	7	of	of	ADP
fsr-3555	154	8	our	our	PRON
fsr-3555	154	9	model	model	NOUN
fsr-3555	154	10	.	.	PUNCT
fsr-3555	155	1	furthermore	furthermore	ADV
fsr-3555	155	2	,	,	PUNCT
fsr-3555	155	3	we	we	PRON
fsr-3555	155	4	employed	employ	VERB
fsr-3555	155	5	t	t	PROPN
fsr-3555	155	6	statistics	statistic	NOUN
fsr-3555	155	7	and	and	CCONJ
fsr-3555	155	8	p	p	NOUN
fsr-3555	155	9	values	value	NOUN
fsr-3555	155	10	to	to	PART
fsr-3555	155	11	determine	determine	VERB
fsr-3555	155	12	the	the	DET
fsr-3555	155	13	significance	significance	NOUN
fsr-3555	155	14	of	of	ADP
fsr-3555	155	15	the	the	DET
fsr-3555	155	16	direct	direct	ADJ
fsr-3555	155	17	path	path	NOUN
fsr-3555	155	18	coefficients	coefficient	NOUN
fsr-3555	155	19	,	,	PUNCT
fsr-3555	155	20	as	as	SCONJ
fsr-3555	155	21	outlined	outline	VERB
fsr-3555	155	22	in	in	ADP
fsr-3555	155	23	table	table	NOUN
fsr-3555	155	24	2	2	NUM
fsr-3555	155	25	.	.	PUNCT
fsr-3555	155	26	table	table	NOUN
fsr-3555	155	27	2	2	NUM
fsr-3555	155	28	.	.	PUNCT
fsr-3555	156	1	moderated	moderate	VERB
fsr-3555	156	2	mediation	mediation	NOUN
fsr-3555	156	3	analysis	analysis	NOUN
fsr-3555	156	4	results	result	NOUN
fsr-3555	156	5	showing	show	VERB
fsr-3555	156	6	coefficients	coefficient	NOUN
fsr-3555	156	7	and	and	CCONJ
fsr-3555	156	8	their	their	PRON
fsr-3555	156	9	significance	significance	NOUN
fsr-3555	156	10	for	for	ADP
fsr-3555	156	11	hypothesized	hypothesized	ADJ
fsr-3555	156	12	relationships	relationship	NOUN
fsr-3555	156	13	relationships	relationship	NOUN
fsr-3555	156	14	β	β	VERB
fsr-3555	156	15	direct	direct	ADJ
fsr-3555	156	16	effects	effect	NOUN
fsr-3555	156	17	financial	financial	ADJ
fsr-3555	156	18	risk	risk	NOUN
fsr-3555	156	19	tolerance	tolerance	NOUN
fsr-3555	156	20	-	-	PUNCT
fsr-3555	156	21	>	>	X
fsr-3555	156	22	retirement	retirement	NOUN
fsr-3555	156	23	planning	planning	NOUN
fsr-3555	156	24	attitude	attitude	NOUN
fsr-3555	156	25	-0.28	-0.28	NOUN
fsr-3555	156	26	*	*	PUNCT
fsr-3555	156	27	*	*	PUNCT
fsr-3555	156	28	*	*	PUNCT
fsr-3555	156	29	financial	financial	ADJ
fsr-3555	156	30	risk	risk	NOUN
fsr-3555	156	31	tolerance	tolerance	NOUN
fsr-3555	156	32	-	-	PUNCT
fsr-3555	156	33	>	>	X
fsr-3555	156	34	retirement	retirement	NOUN
fsr-3555	156	35	planning	planning	NOUN
fsr-3555	156	36	intention	intention	NOUN
fsr-3555	156	37	-0.26	-0.26	X
fsr-3555	156	38	*	*	PUNCT
fsr-3555	156	39	*	*	PUNCT
fsr-3555	156	40	*	*	ADJ
fsr-3555	156	41	financial	financial	ADJ
fsr-3555	156	42	self	self	NOUN
fsr-3555	156	43	-	-	PUNCT
fsr-3555	156	44	efficacy	efficacy	NOUN
fsr-3555	156	45	-	-	PUNCT
fsr-3555	156	46	>	>	X
fsr-3555	156	47	retirement	retirement	NOUN
fsr-3555	156	48	planning	planning	NOUN
fsr-3555	156	49	attitude	attitude	NOUN
fsr-3555	156	50	0.21	0.21	NUM
fsr-3555	156	51	*	*	NOUN
fsr-3555	156	52	*	*	PUNCT
fsr-3555	156	53	*	*	PUNCT
fsr-3555	156	54	financial	financial	ADJ
fsr-3555	156	55	self	self	NOUN
fsr-3555	156	56	-	-	PUNCT
fsr-3555	156	57	efficacy	efficacy	NOUN
fsr-3555	156	58	-	-	PUNCT
fsr-3555	156	59	>	>	X
fsr-3555	156	60	retirement	retirement	NOUN
fsr-3555	156	61	planning	planning	NOUN
fsr-3555	156	62	intention	intention	NOUN
fsr-3555	156	63	-0.05	-0.05	NUM
fsr-3555	156	64	retirement	retirement	NOUN
fsr-3555	156	65	planning	planning	NOUN
fsr-3555	156	66	attitude	attitude	NOUN
fsr-3555	156	67	-	-	PUNCT
fsr-3555	156	68	>	>	X
fsr-3555	156	69	retirement	retirement	NOUN
fsr-3555	156	70	planning	planning	NOUN
fsr-3555	156	71	intention	intention	NOUN
fsr-3555	156	72	0.58	0.58	NUM
fsr-3555	156	73	*	*	PUNCT
fsr-3555	156	74	*	*	PUNCT
fsr-3555	156	75	*	*	PUNCT
fsr-3555	156	76	money	money	NOUN
fsr-3555	156	77	availability	availability	NOUN
fsr-3555	156	78	-	-	PUNCT
fsr-3555	156	79	>	>	X
fsr-3555	156	80	retirement	retirement	NOUN
fsr-3555	156	81	planning	planning	NOUN
fsr-3555	156	82	intention	intention	NOUN
fsr-3555	156	83	0.40	0.40	NUM
fsr-3555	156	84	*	*	NOUN
fsr-3555	156	85	*	*	PUNCT
fsr-3555	156	86	specific	specific	ADJ
fsr-3555	156	87	indirect	indirect	ADJ
fsr-3555	156	88	effect	effect	NOUN
fsr-3555	156	89	(	(	PUNCT
fsr-3555	156	90	mediation	mediation	NOUN
fsr-3555	156	91	)	)	PUNCT
fsr-3555	156	92	(	(	PUNCT
fsr-3555	156	93	h1	h1	NOUN
fsr-3555	156	94	and	and	CCONJ
fsr-3555	156	95	h2	h2	NOUN
fsr-3555	156	96	)	)	PUNCT
fsr-3555	156	97	risk	risk	NOUN
fsr-3555	156	98	tolerance	tolerance	NOUN
fsr-3555	156	99	-	-	PUNCT
fsr-3555	156	100	>	>	X
fsr-3555	156	101	retirement	retirement	NOUN
fsr-3555	156	102	planning	planning	NOUN
fsr-3555	156	103	attitude	attitude	NOUN
fsr-3555	156	104	-	-	PUNCT
fsr-3555	156	105	>	>	X
fsr-3555	156	106	retirement	retirement	NOUN
fsr-3555	156	107	planning	planning	NOUN
fsr-3555	156	108	intention	intention	NOUN
fsr-3555	156	109	-0.16	-0.16	PRON
fsr-3555	156	110	*	*	PUNCT
fsr-3555	156	111	*	*	PUNCT
fsr-3555	156	112	*	*	PUNCT
fsr-3555	156	113	financial	financial	ADJ
fsr-3555	156	114	self	self	NOUN
fsr-3555	156	115	-	-	PUNCT
fsr-3555	156	116	efficacy	efficacy	NOUN
fsr-3555	156	117	-	-	PUNCT
fsr-3555	156	118	>	>	X
fsr-3555	156	119	retirement	retirement	NOUN
fsr-3555	156	120	planning	planning	NOUN
fsr-3555	156	121	attitude	attitude	NOUN
fsr-3555	156	122	-	-	PUNCT
fsr-3555	156	123	>	>	X
fsr-3555	156	124	retirement	retirement	NOUN
fsr-3555	156	125	planning	planning	NOUN
fsr-3555	156	126	intention	intention	NOUN
fsr-3555	156	127	0.12	0.12	NUM
fsr-3555	156	128	*	*	PUNCT
fsr-3555	156	129	*	*	PUNCT
fsr-3555	156	130	*	*	PUNCT
fsr-3555	156	131	conditional	conditional	ADJ
fsr-3555	156	132	direct	direct	ADJ
fsr-3555	156	133	effect	effect	NOUN
fsr-3555	156	134	(	(	PUNCT
fsr-3555	156	135	moderating	moderate	VERB
fsr-3555	156	136	effect	effect	NOUN
fsr-3555	156	137	)	)	PUNCT
fsr-3555	156	138	retirement	retirement	NOUN
fsr-3555	156	139	planning	planning	NOUN
fsr-3555	156	140	attitude	attitude	NOUN
fsr-3555	156	141	-	-	PUNCT
fsr-3555	156	142	>	>	X
fsr-3555	156	143	retirement	retirement	NOUN
fsr-3555	156	144	planning	planning	NOUN
fsr-3555	156	145	intention	intention	NOUN
fsr-3555	156	146	conditional	conditional	ADJ
fsr-3555	156	147	on	on	ADP
fsr-3555	156	148	money	money	NOUN
fsr-3555	156	149	availability	availability	NOUN
fsr-3555	156	150	at	at	ADP
fsr-3555	156	151	+1	+1	PROPN
fsr-3555	156	152	sd	sd	ADP
fsr-3555	156	153	0.09	0.09	NUM
fsr-3555	156	154	retirement	retirement	NOUN
fsr-3555	156	155	planning	planning	NOUN
fsr-3555	156	156	attitude	attitude	NOUN
fsr-3555	156	157	-	-	PUNCT
fsr-3555	156	158	>	>	X
fsr-3555	156	159	retirement	retirement	NOUN
fsr-3555	156	160	planning	planning	NOUN
fsr-3555	156	161	intention	intention	NOUN
fsr-3555	156	162	conditional	conditional	ADJ
fsr-3555	156	163	on	on	ADP
fsr-3555	156	164	money	money	NOUN
fsr-3555	156	165	availability	availability	NOUN
fsr-3555	156	166	at	at	ADP
fsr-3555	156	167	mean	mean	NOUN
fsr-3555	156	168	0.24	0.24	NUM
fsr-3555	156	169	*	*	PUNCT
fsr-3555	156	170	*	*	PUNCT
fsr-3555	156	171	*	*	PUNCT
fsr-3555	156	172	retirement	retirement	NOUN
fsr-3555	156	173	planning	planning	NOUN
fsr-3555	156	174	attitude	attitude	NOUN
fsr-3555	156	175	-	-	PUNCT
fsr-3555	156	176	>	>	X
fsr-3555	156	177	retirement	retirement	NOUN
fsr-3555	156	178	planning	planning	NOUN
fsr-3555	156	179	intention	intention	NOUN
fsr-3555	156	180	conditional	conditional	ADJ
fsr-3555	156	181	on	on	ADP
fsr-3555	156	182	money	money	NOUN
fsr-3555	156	183	availability	availability	NOUN
fsr-3555	156	184	at	at	ADP
fsr-3555	156	185	-1	-1	INTJ
fsr-3555	156	186	sd	sd	ADP
fsr-3555	156	187	0.39	0.39	NUM
fsr-3555	156	188	*	*	PUNCT
fsr-3555	156	189	*	*	PUNCT
fsr-3555	156	190	*	*	PUNCT
fsr-3555	156	191	conditional	conditional	ADJ
fsr-3555	156	192	indirect	indirect	ADJ
fsr-3555	156	193	effects	effect	NOUN
fsr-3555	156	194	(	(	PUNCT
fsr-3555	156	195	moderated	moderated	ADJ
fsr-3555	156	196	mediation	mediation	NOUN
fsr-3555	156	197	)	)	PUNCT
fsr-3555	156	198	(	(	PUNCT
fsr-3555	156	199	h3	h3	NOUN
fsr-3555	156	200	and	and	CCONJ
fsr-3555	156	201	h4	h4	NOUN
fsr-3555	156	202	)	)	PUNCT
fsr-3555	156	203	risk	risk	NOUN
fsr-3555	156	204	tolerance	tolerance	NOUN
fsr-3555	156	205	-	-	PUNCT
fsr-3555	156	206	>	>	X
fsr-3555	156	207	retirement	retirement	NOUN
fsr-3555	156	208	planning	planning	NOUN
fsr-3555	156	209	attitude	attitude	NOUN
fsr-3555	156	210	-	-	PUNCT
fsr-3555	156	211	>	>	X
fsr-3555	156	212	retirement	retirement	NOUN
fsr-3555	156	213	planning	planning	NOUN
fsr-3555	156	214	intention	intention	NOUN
fsr-3555	156	215	conditional	conditional	ADJ
fsr-3555	156	216	on	on	ADP
fsr-3555	156	217	money	money	NOUN
fsr-3555	156	218	availability	availability	NOUN
fsr-3555	156	219	at	at	ADP
fsr-3555	156	220	+1	+1	PROPN
fsr-3555	156	221	sd	sd	NOUN
fsr-3555	156	222	-0.02	-0.02	NUM
fsr-3555	156	223	risk	risk	NOUN
fsr-3555	156	224	tolerance	tolerance	NOUN
fsr-3555	156	225	-	-	PUNCT
fsr-3555	156	226	>	>	X
fsr-3555	156	227	retirement	retirement	NOUN
fsr-3555	156	228	planning	planning	NOUN
fsr-3555	156	229	attitude	attitude	NOUN
fsr-3555	156	230	-	-	PUNCT
fsr-3555	156	231	>	>	X
fsr-3555	156	232	retirement	retirement	NOUN
fsr-3555	156	233	planning	planning	NOUN
fsr-3555	156	234	intention	intention	NOUN
fsr-3555	156	235	conditional	conditional	ADJ
fsr-3555	156	236	on	on	ADP
fsr-3555	156	237	money	money	NOUN
fsr-3555	156	238	availability	availability	NOUN
fsr-3555	156	239	at	at	ADP
fsr-3555	156	240	mean	mean	NOUN
fsr-3555	156	241	-0.07	-0.07	ADJ
fsr-3555	156	242	*	*	ADJ
fsr-3555	156	243	*	*	PUNCT
fsr-3555	156	244	*	*	PUNCT
fsr-3555	156	245	risk	risk	NOUN
fsr-3555	156	246	tolerance	tolerance	NOUN
fsr-3555	156	247	-	-	PUNCT
fsr-3555	156	248	>	>	X
fsr-3555	156	249	retirement	retirement	NOUN
fsr-3555	156	250	planning	planning	NOUN
fsr-3555	156	251	attitude	attitude	NOUN
fsr-3555	156	252	-	-	PUNCT
fsr-3555	156	253	>	>	X
fsr-3555	156	254	retirement	retirement	NOUN
fsr-3555	156	255	planning	planning	NOUN
fsr-3555	156	256	intention	intention	NOUN
fsr-3555	156	257	conditional	conditional	ADJ
fsr-3555	156	258	on	on	ADP
fsr-3555	156	259	money	money	NOUN
fsr-3555	156	260	availability	availability	NOUN
fsr-3555	156	261	at	at	ADP
fsr-3555	156	262	-1	-1	INTJ
fsr-3555	156	263	sd	sd	ADP
fsr-3555	156	264	-0.11	-0.11	PROPN
fsr-3555	156	265	*	*	NOUN
fsr-3555	156	266	*	*	PUNCT
fsr-3555	156	267	*	*	PUNCT
fsr-3555	156	268	financial	financial	ADJ
fsr-3555	156	269	self	self	NOUN
fsr-3555	156	270	-	-	PUNCT
fsr-3555	156	271	efficacy	efficacy	NOUN
fsr-3555	156	272	-	-	PUNCT
fsr-3555	156	273	>	>	X
fsr-3555	156	274	retirement	retirement	NOUN
fsr-3555	156	275	planning	planning	NOUN
fsr-3555	156	276	attitude	attitude	NOUN
fsr-3555	156	277	-	-	PUNCT
fsr-3555	156	278	>	>	X
fsr-3555	156	279	retirement	retirement	NOUN
fsr-3555	156	280	planning	planning	NOUN
fsr-3555	156	281	intention	intention	NOUN
fsr-3555	156	282	conditional	conditional	ADJ
fsr-3555	156	283	on	on	ADP
fsr-3555	156	284	money	money	NOUN
fsr-3555	156	285	availability	availability	NOUN
fsr-3555	156	286	at	at	ADP
fsr-3555	156	287	+1	+1	PROPN
fsr-3555	156	288	sd	sd	ADP
fsr-3555	156	289	0.02	0.02	NUM
fsr-3555	156	290	financial	financial	ADJ
fsr-3555	156	291	self	self	NOUN
fsr-3555	156	292	-	-	PUNCT
fsr-3555	156	293	efficacy	efficacy	NOUN
fsr-3555	156	294	-	-	PUNCT
fsr-3555	156	295	>	>	X
fsr-3555	156	296	retirement	retirement	NOUN
fsr-3555	156	297	planning	planning	NOUN
fsr-3555	156	298	attitude	attitude	NOUN
fsr-3555	156	299	-	-	PUNCT
fsr-3555	156	300	>	>	X
fsr-3555	156	301	retirement	retirement	NOUN
fsr-3555	156	302	planning	planning	NOUN
fsr-3555	156	303	intention	intention	NOUN
fsr-3555	156	304	conditional	conditional	ADJ
fsr-3555	156	305	on	on	ADP
fsr-3555	156	306	money	money	NOUN
fsr-3555	156	307	availability	availability	NOUN
fsr-3555	156	308	at	at	ADP
fsr-3555	156	309	mean	mean	NOUN
fsr-3555	156	310	0.05	0.05	NUM
fsr-3555	156	311	*	*	NOUN
fsr-3555	156	312	*	*	PUNCT
fsr-3555	156	313	financial	financial	ADJ
fsr-3555	156	314	self	self	NOUN
fsr-3555	156	315	-	-	PUNCT
fsr-3555	156	316	efficacy	efficacy	NOUN
fsr-3555	156	317	-	-	PUNCT
fsr-3555	156	318	>	>	X
fsr-3555	156	319	retirement	retirement	NOUN
fsr-3555	156	320	planning	planning	NOUN
fsr-3555	156	321	attitude	attitude	NOUN
fsr-3555	156	322	-	-	PUNCT
fsr-3555	156	323	>	>	X
fsr-3555	156	324	retirement	retirement	NOUN
fsr-3555	156	325	planning	planning	NOUN
fsr-3555	156	326	intention	intention	NOUN
fsr-3555	156	327	conditional	conditional	ADJ
fsr-3555	156	328	on	on	ADP
fsr-3555	156	329	money	money	NOUN
fsr-3555	156	330	availability	availability	NOUN
fsr-3555	156	331	at	at	ADP
fsr-3555	156	332	-1	-1	ADV
fsr-3555	156	333	sd	sd	ADP
fsr-3555	156	334	0.08	0.08	NUM
fsr-3555	156	335	*	*	PUNCT
fsr-3555	156	336	*	*	PUNCT
fsr-3555	156	337	*	*	PUNCT
fsr-3555	156	338	note	note	NOUN
fsr-3555	156	339	:	:	PUNCT
fsr-3555	156	340	*	*	PUNCT
fsr-3555	156	341	p	p	X
fsr-3555	156	342	<	<	X
fsr-3555	156	343	.05	.05	NUM
fsr-3555	156	344	,	,	PUNCT
fsr-3555	156	345	*	*	PUNCT
fsr-3555	156	346	*	*	PUNCT
fsr-3555	156	347	p	p	X
fsr-3555	156	348	<	<	X
fsr-3555	156	349	.01	.01	NUM
fsr-3555	156	350	,	,	PUNCT
fsr-3555	156	351	and	and	CCONJ
fsr-3555	156	352	*	*	PUNCT
fsr-3555	156	353	*	*	PUNCT
fsr-3555	156	354	*	*	PUNCT
fsr-3555	157	1	p	p	X
fsr-3555	157	2	<	<	X
fsr-3555	157	3	.001	.001	NUM
fsr-3555	157	4	.	.	PUNCT
fsr-3555	158	1	sd	sd	NOUN
fsr-3555	158	2	=	=	SYM
fsr-3555	158	3	standard	standard	ADJ
fsr-3555	158	4	deviation	deviation	NOUN
fsr-3555	158	5	financial	financial	ADJ
fsr-3555	158	6	services	service	NOUN
fsr-3555	158	7	review	review	NOUN
fsr-3555	158	8	,	,	PUNCT
fsr-3555	158	9	32(2	32(2	NUM
fsr-3555	158	10	)	)	PUNCT
fsr-3555	158	11	86	86	NUM
fsr-3555	158	12	table	table	NOUN
fsr-3555	158	13	2	2	NUM
fsr-3555	158	14	displays	display	VERB
fsr-3555	158	15	the	the	DET
fsr-3555	158	16	mediating	mediate	VERB
fsr-3555	158	17	effects	effect	NOUN
fsr-3555	158	18	of	of	ADP
fsr-3555	158	19	retirement	retirement	NOUN
fsr-3555	158	20	planning	planning	NOUN
fsr-3555	158	21	attitude	attitude	NOUN
fsr-3555	158	22	.	.	PUNCT
fsr-3555	159	1	the	the	DET
fsr-3555	159	2	results	result	NOUN
fsr-3555	159	3	indicate	indicate	VERB
fsr-3555	159	4	that	that	SCONJ
fsr-3555	159	5	retirement	retirement	NOUN
fsr-3555	159	6	planning	planning	NOUN
fsr-3555	159	7	attitude	attitude	NOUN
fsr-3555	159	8	acts	act	VERB
fsr-3555	159	9	as	as	ADP
fsr-3555	159	10	a	a	DET
fsr-3555	159	11	negative	negative	ADJ
fsr-3555	159	12	mediator	mediator	NOUN
fsr-3555	159	13	in	in	ADP
fsr-3555	159	14	the	the	DET
fsr-3555	159	15	relationship	relationship	NOUN
fsr-3555	159	16	between	between	ADP
fsr-3555	159	17	risk	risk	NOUN
fsr-3555	159	18	tolerance	tolerance	NOUN
fsr-3555	159	19	and	and	CCONJ
fsr-3555	159	20	retirement	retirement	NOUN
fsr-3555	159	21	planning	planning	NOUN
fsr-3555	159	22	intention	intention	NOUN
fsr-3555	159	23	(	(	PUNCT
fsr-3555	159	24	β	β	X
fsr-3555	159	25	=	=	SYM
fsr-3555	159	26	0.16	0.16	NUM
fsr-3555	159	27	,	,	PUNCT
fsr-3555	159	28	p	p	X
fsr-3555	159	29	=	=	NOUN
fsr-3555	159	30	0.000	0.000	NUM
fsr-3555	159	31	)	)	PUNCT
fsr-3555	159	32	.	.	PUNCT
fsr-3555	160	1	this	this	DET
fsr-3555	160	2	outcome	outcome	NOUN
fsr-3555	160	3	contradicts	contradict	VERB
fsr-3555	160	4	our	our	PRON
fsr-3555	160	5	initial	initial	ADJ
fsr-3555	160	6	hypothesis	hypothesis	NOUN
fsr-3555	160	7	1	1	NUM
fsr-3555	160	8	,	,	PUNCT
fsr-3555	160	9	which	which	PRON
fsr-3555	160	10	posited	posit	VERB
fsr-3555	160	11	a	a	DET
fsr-3555	160	12	positive	positive	ADJ
fsr-3555	160	13	effect	effect	NOUN
fsr-3555	160	14	in	in	ADP
fsr-3555	160	15	this	this	DET
fsr-3555	160	16	regard	regard	NOUN
fsr-3555	160	17	.	.	PUNCT
fsr-3555	161	1	however	however	ADV
fsr-3555	161	2	,	,	PUNCT
fsr-3555	161	3	it	it	PRON
fsr-3555	161	4	's	be	AUX
fsr-3555	161	5	worth	worth	ADJ
fsr-3555	161	6	noting	note	VERB
fsr-3555	161	7	that	that	SCONJ
fsr-3555	161	8	retirement	retirement	NOUN
fsr-3555	161	9	planning	planning	NOUN
fsr-3555	161	10	attitude	attitude	NOUN
fsr-3555	161	11	serves	serve	VERB
fsr-3555	161	12	as	as	ADP
fsr-3555	161	13	a	a	DET
fsr-3555	161	14	significant	significant	ADJ
fsr-3555	161	15	and	and	CCONJ
fsr-3555	161	16	positive	positive	ADJ
fsr-3555	161	17	mediator	mediator	NOUN
fsr-3555	161	18	in	in	ADP
fsr-3555	161	19	the	the	DET
fsr-3555	161	20	link	link	NOUN
fsr-3555	161	21	between	between	ADP
fsr-3555	161	22	financial	financial	ADJ
fsr-3555	161	23	self	self	NOUN
fsr-3555	161	24	-	-	PUNCT
fsr-3555	161	25	efficacy	efficacy	NOUN
fsr-3555	161	26	and	and	CCONJ
fsr-3555	161	27	retirement	retirement	NOUN
fsr-3555	161	28	planning	planning	NOUN
fsr-3555	161	29	intention	intention	NOUN
fsr-3555	161	30	,	,	PUNCT
fsr-3555	161	31	thereby	thereby	ADV
fsr-3555	161	32	lending	lend	VERB
fsr-3555	161	33	support	support	NOUN
fsr-3555	161	34	to	to	PART
fsr-3555	161	35	hypothesis	hypothesis	NOUN
fsr-3555	161	36	2	2	NUM
fsr-3555	161	37	(	(	PUNCT
fsr-3555	161	38	β	β	X
fsr-3555	161	39	=	=	SYM
fsr-3555	161	40	0.12	0.12	NUM
fsr-3555	161	41	,	,	PUNCT
fsr-3555	161	42	p	p	NOUN
fsr-3555	161	43	value	value	NOUN
fsr-3555	161	44	=	=	NOUN
fsr-3555	161	45	0.001	0.001	NUM
fsr-3555	161	46	)	)	PUNCT
fsr-3555	161	47	.	.	PUNCT
fsr-3555	162	1	in	in	ADP
fsr-3555	162	2	hypothesis	hypothesis	NOUN
fsr-3555	162	3	3	3	NUM
fsr-3555	162	4	,	,	PUNCT
fsr-3555	162	5	we	we	PRON
fsr-3555	162	6	posited	posit	VERB
fsr-3555	162	7	that	that	SCONJ
fsr-3555	162	8	the	the	DET
fsr-3555	162	9	influence	influence	NOUN
fsr-3555	162	10	of	of	ADP
fsr-3555	162	11	financial	financial	ADJ
fsr-3555	162	12	risk	risk	NOUN
fsr-3555	162	13	tolerance	tolerance	NOUN
fsr-3555	162	14	on	on	ADP
fsr-3555	162	15	retirement	retirement	NOUN
fsr-3555	162	16	planning	planning	NOUN
fsr-3555	162	17	intention	intention	NOUN
fsr-3555	162	18	,	,	PUNCT
fsr-3555	162	19	mediated	mediate	VERB
fsr-3555	162	20	by	by	ADP
fsr-3555	162	21	retirement	retirement	NOUN
fsr-3555	162	22	planning	planning	NOUN
fsr-3555	162	23	attitude	attitude	NOUN
fsr-3555	162	24	,	,	PUNCT
fsr-3555	162	25	is	be	AUX
fsr-3555	162	26	moderated	moderate	VERB
fsr-3555	162	27	by	by	ADP
fsr-3555	162	28	money	money	NOUN
fsr-3555	162	29	availability	availability	NOUN
fsr-3555	162	30	.	.	PUNCT
fsr-3555	163	1	to	to	PART
fsr-3555	163	2	test	test	VERB
fsr-3555	163	3	this	this	PRON
fsr-3555	163	4	,	,	PUNCT
fsr-3555	163	5	we	we	PRON
fsr-3555	163	6	employed	employ	VERB
fsr-3555	163	7	a	a	DET
fsr-3555	163	8	three	three	NUM
fsr-3555	163	9	-	-	PUNCT
fsr-3555	163	10	step	step	NOUN
fsr-3555	163	11	analytical	analytical	ADJ
fsr-3555	163	12	approach	approach	NOUN
fsr-3555	163	13	.	.	PUNCT
fsr-3555	164	1	first	first	ADV
fsr-3555	164	2	,	,	PUNCT
fsr-3555	164	3	we	we	PRON
fsr-3555	164	4	examined	examine	VERB
fsr-3555	164	5	the	the	DET
fsr-3555	164	6	mediating	mediate	VERB
fsr-3555	164	7	role	role	NOUN
fsr-3555	164	8	of	of	ADP
fsr-3555	164	9	retirement	retirement	NOUN
fsr-3555	164	10	planning	planning	NOUN
fsr-3555	164	11	attitude	attitude	NOUN
fsr-3555	164	12	in	in	ADP
fsr-3555	164	13	the	the	DET
fsr-3555	164	14	link	link	NOUN
fsr-3555	164	15	between	between	ADP
fsr-3555	164	16	financial	financial	ADJ
fsr-3555	164	17	risk	risk	NOUN
fsr-3555	164	18	tolerance	tolerance	NOUN
fsr-3555	164	19	and	and	CCONJ
fsr-3555	164	20	retirement	retirement	NOUN
fsr-3555	164	21	planning	planning	NOUN
fsr-3555	164	22	intention	intention	NOUN
fsr-3555	164	23	,	,	PUNCT
fsr-3555	164	24	as	as	SCONJ
fsr-3555	164	25	established	establish	VERB
fsr-3555	164	26	in	in	ADP
fsr-3555	164	27	hypothesis	hypothesis	NOUN
fsr-3555	164	28	1	1	NUM
fsr-3555	164	29	.	.	PUNCT
fsr-3555	165	1	subsequently	subsequently	ADV
fsr-3555	165	2	,	,	PUNCT
fsr-3555	165	3	we	we	PRON
fsr-3555	165	4	assessed	assess	VERB
fsr-3555	165	5	the	the	DET
fsr-3555	165	6	moderating	moderate	VERB
fsr-3555	165	7	impact	impact	NOUN
fsr-3555	165	8	of	of	ADP
fsr-3555	165	9	money	money	NOUN
fsr-3555	165	10	availability	availability	NOUN
fsr-3555	165	11	.	.	PUNCT
fsr-3555	166	1	finally	finally	ADV
fsr-3555	166	2	,	,	PUNCT
fsr-3555	166	3	we	we	PRON
fsr-3555	166	4	analyzed	analyze	VERB
fsr-3555	166	5	the	the	DET
fsr-3555	166	6	conditional	conditional	ADJ
fsr-3555	166	7	indirect	indirect	ADJ
fsr-3555	166	8	effect	effect	NOUN
fsr-3555	166	9	(	(	PUNCT
fsr-3555	166	10	i.e.	i.e.	X
fsr-3555	166	11	,	,	PUNCT
fsr-3555	166	12	moderated	moderated	ADJ
fsr-3555	166	13	mediation	mediation	NOUN
fsr-3555	166	14	)	)	PUNCT
fsr-3555	166	15	.	.	PUNCT
fsr-3555	167	1	the	the	DET
fsr-3555	167	2	analysis	analysis	NOUN
fsr-3555	167	3	confirmed	confirm	VERB
fsr-3555	167	4	the	the	DET
fsr-3555	167	5	mediating	mediate	VERB
fsr-3555	167	6	role	role	NOUN
fsr-3555	167	7	of	of	ADP
fsr-3555	167	8	retirement	retirement	NOUN
fsr-3555	167	9	planning	planning	NOUN
fsr-3555	167	10	attitude	attitude	NOUN
fsr-3555	167	11	(	(	PUNCT
fsr-3555	167	12	outlined	outline	VERB
fsr-3555	167	13	in	in	ADP
fsr-3555	167	14	hypothesis	hypothesis	NOUN
fsr-3555	167	15	1	1	NUM
fsr-3555	167	16	)	)	PUNCT
fsr-3555	167	17	.	.	PUNCT
fsr-3555	168	1	moreover	moreover	ADV
fsr-3555	168	2	,	,	PUNCT
fsr-3555	168	3	the	the	DET
fsr-3555	168	4	findings	finding	NOUN
fsr-3555	168	5	demonstrate	demonstrate	VERB
fsr-3555	168	6	that	that	SCONJ
fsr-3555	168	7	money	money	NOUN
fsr-3555	168	8	availability	availability	NOUN
fsr-3555	168	9	negatively	negatively	ADV
fsr-3555	168	10	moderates	moderate	VERB
fsr-3555	168	11	the	the	DET
fsr-3555	168	12	connection	connection	NOUN
fsr-3555	168	13	between	between	ADP
fsr-3555	168	14	retirement	retirement	NOUN
fsr-3555	168	15	planning	planning	NOUN
fsr-3555	168	16	attitude	attitude	NOUN
fsr-3555	168	17	and	and	CCONJ
fsr-3555	168	18	intention	intention	NOUN
fsr-3555	168	19	,	,	PUNCT
fsr-3555	168	20	indicated	indicate	VERB
fsr-3555	168	21	by	by	ADP
fsr-3555	168	22	a	a	DET
fsr-3555	168	23	beta	beta	ADJ
fsr-3555	168	24	coefficient	coefficient	NOUN
fsr-3555	168	25	of	of	ADP
fsr-3555	168	26	-0.09	-0.09	NUM
fsr-3555	168	27	and	and	CCONJ
fsr-3555	168	28	a	a	DET
fsr-3555	168	29	p	p	NOUN
fsr-3555	168	30	-	-	PUNCT
fsr-3555	168	31	value	value	NOUN
fsr-3555	168	32	of	of	ADP
fsr-3555	168	33	0.001	0.001	NUM
fsr-3555	168	34	,	,	PUNCT
fsr-3555	168	35	as	as	SCONJ
fsr-3555	168	36	depicted	depict	VERB
fsr-3555	168	37	in	in	ADP
fsr-3555	168	38	figure	figure	NOUN
fsr-3555	168	39	2	2	NUM
fsr-3555	168	40	.	.	PUNCT
fsr-3555	168	41	to	to	PART
fsr-3555	168	42	delve	delve	VERB
fsr-3555	168	43	deeper	deeply	ADV
fsr-3555	168	44	into	into	ADP
fsr-3555	168	45	this	this	DET
fsr-3555	168	46	moderation	moderation	NOUN
fsr-3555	168	47	,	,	PUNCT
fsr-3555	168	48	we	we	PRON
fsr-3555	168	49	conducted	conduct	VERB
fsr-3555	168	50	a	a	DET
fsr-3555	168	51	simple	simple	ADJ
fsr-3555	168	52	slopes	slope	NOUN
fsr-3555	168	53	analysis	analysis	NOUN
fsr-3555	168	54	using	use	VERB
fsr-3555	168	55	smartpls	smartpls	NOUN
fsr-3555	168	56	.	.	PUNCT
fsr-3555	169	1	this	this	DET
fsr-3555	169	2	analysis	analysis	NOUN
fsr-3555	169	3	highlights	highlight	VERB
fsr-3555	169	4	how	how	SCONJ
fsr-3555	169	5	varying	varying	ADJ
fsr-3555	169	6	levels	level	NOUN
fsr-3555	169	7	of	of	ADP
fsr-3555	169	8	money	money	NOUN
fsr-3555	169	9	availability	availability	NOUN
fsr-3555	169	10	(	(	PUNCT
fsr-3555	169	11	below	below	ADV
fsr-3555	169	12	,	,	PUNCT
fsr-3555	169	13	above	above	ADV
fsr-3555	169	14	,	,	PUNCT
fsr-3555	169	15	and	and	CCONJ
fsr-3555	169	16	at	at	ADP
fsr-3555	169	17	the	the	DET
fsr-3555	169	18	mean	mean	ADJ
fsr-3555	169	19	standard	standard	ADJ
fsr-3555	169	20	deviation	deviation	NOUN
fsr-3555	169	21	)	)	PUNCT
fsr-3555	169	22	affect	affect	VERB
fsr-3555	169	23	the	the	DET
fsr-3555	169	24	relationship	relationship	NOUN
fsr-3555	169	25	between	between	ADP
fsr-3555	169	26	retirement	retirement	NOUN
fsr-3555	169	27	planning	planning	NOUN
fsr-3555	169	28	attitude	attitude	NOUN
fsr-3555	169	29	and	and	CCONJ
fsr-3555	169	30	intention	intention	NOUN
fsr-3555	169	31	.	.	PUNCT
fsr-3555	170	1	the	the	DET
fsr-3555	170	2	results	result	NOUN
fsr-3555	170	3	of	of	ADP
fsr-3555	170	4	the	the	DET
fsr-3555	170	5	analysis	analysis	NOUN
fsr-3555	170	6	are	be	AUX
fsr-3555	170	7	shown	show	VERB
fsr-3555	170	8	in	in	ADP
fsr-3555	170	9	figure	figure	NOUN
fsr-3555	170	10	3	3	NUM
fsr-3555	170	11	.	.	PUNCT
fsr-3555	170	12	figure	figure	NOUN
fsr-3555	170	13	3	3	NUM
fsr-3555	170	14	.	.	PUNCT
fsr-3555	170	15	moderating	moderate	VERB
fsr-3555	170	16	effect	effect	NOUN
fsr-3555	170	17	of	of	ADP
fsr-3555	170	18	money	money	NOUN
fsr-3555	170	19	availability	availability	NOUN
fsr-3555	170	20	on	on	ADP
fsr-3555	170	21	retirement	retirement	NOUN
fsr-3555	170	22	planning	planning	NOUN
fsr-3555	170	23	attitude	attitude	NOUN
fsr-3555	170	24	and	and	CCONJ
fsr-3555	170	25	retirement	retirement	NOUN
fsr-3555	170	26	planning	planning	NOUN
fsr-3555	170	27	intention	intention	NOUN
fsr-3555	170	28	link	link	PROPN
fsr-3555	170	29	ahamed	ahamed	PROPN
fsr-3555	170	30	&	&	CCONJ
fsr-3555	170	31	limbu	limbu	PROPN
fsr-3555	170	32	87	87	NUM
fsr-3555	170	33	in	in	ADP
fsr-3555	170	34	the	the	DET
fsr-3555	170	35	third	third	ADJ
fsr-3555	170	36	step	step	NOUN
fsr-3555	170	37	,	,	PUNCT
fsr-3555	170	38	as	as	SCONJ
fsr-3555	170	39	shown	show	VERB
fsr-3555	170	40	in	in	ADP
fsr-3555	170	41	table	table	NOUN
fsr-3555	170	42	2	2	NUM
fsr-3555	170	43	,	,	PUNCT
fsr-3555	170	44	we	we	PRON
fsr-3555	170	45	observed	observe	VERB
fsr-3555	170	46	that	that	SCONJ
fsr-3555	170	47	at	at	ADP
fsr-3555	170	48	low	low	ADJ
fsr-3555	170	49	(	(	PUNCT
fsr-3555	170	50	-1	-1	NOUN
fsr-3555	170	51	sd	sd	NOUN
fsr-3555	170	52	)	)	PUNCT
fsr-3555	170	53	and	and	CCONJ
fsr-3555	170	54	mean	mean	ADJ
fsr-3555	170	55	levels	level	NOUN
fsr-3555	170	56	of	of	ADP
fsr-3555	170	57	money	money	NOUN
fsr-3555	170	58	availability	availability	NOUN
fsr-3555	170	59	,	,	PUNCT
fsr-3555	170	60	there	there	PRON
fsr-3555	170	61	was	be	VERB
fsr-3555	170	62	a	a	DET
fsr-3555	170	63	moderation	moderation	NOUN
fsr-3555	170	64	of	of	ADP
fsr-3555	170	65	the	the	DET
fsr-3555	170	66	mediating	mediate	VERB
fsr-3555	170	67	effect	effect	NOUN
fsr-3555	170	68	of	of	ADP
fsr-3555	170	69	retirement	retirement	NOUN
fsr-3555	170	70	planning	planning	NOUN
fsr-3555	170	71	attitude	attitude	NOUN
fsr-3555	170	72	on	on	ADP
fsr-3555	170	73	the	the	DET
fsr-3555	170	74	relationship	relationship	NOUN
fsr-3555	170	75	between	between	ADP
fsr-3555	170	76	risk	risk	NOUN
fsr-3555	170	77	tolerance	tolerance	NOUN
fsr-3555	170	78	and	and	CCONJ
fsr-3555	170	79	retirement	retirement	NOUN
fsr-3555	170	80	planning	planning	NOUN
fsr-3555	170	81	intention	intention	NOUN
fsr-3555	170	82	,	,	PUNCT
fsr-3555	170	83	with	with	ADP
fsr-3555	170	84	beta	beta	ADJ
fsr-3555	170	85	values	value	NOUN
fsr-3555	170	86	of	of	ADP
fsr-3555	170	87	-0.11	-0.11	X
fsr-3555	170	88	(	(	PUNCT
fsr-3555	170	89	p	p	X
fsr-3555	170	90	=	=	NOUN
fsr-3555	170	91	0.000	0.000	NUM
fsr-3555	170	92	)	)	PUNCT
fsr-3555	170	93	and	and	CCONJ
fsr-3555	170	94	-0.07	-0.07	INTJ
fsr-3555	170	95	(	(	PUNCT
fsr-3555	170	96	p	p	NOUN
fsr-3555	170	97	=	=	NOUN
fsr-3555	170	98	0.001	0.001	NUM
fsr-3555	170	99	)	)	PUNCT
fsr-3555	170	100	,	,	PUNCT
fsr-3555	170	101	respectively	respectively	ADV
fsr-3555	170	102	.	.	PUNCT
fsr-3555	171	1	however	however	ADV
fsr-3555	171	2	,	,	PUNCT
fsr-3555	171	3	this	this	DET
fsr-3555	171	4	moderating	moderate	VERB
fsr-3555	171	5	effect	effect	NOUN
fsr-3555	171	6	was	be	AUX
fsr-3555	171	7	not	not	PART
fsr-3555	171	8	present	present	ADJ
fsr-3555	171	9	at	at	ADP
fsr-3555	171	10	high	high	ADJ
fsr-3555	171	11	levels	level	NOUN
fsr-3555	171	12	of	of	ADP
fsr-3555	171	13	money	money	NOUN
fsr-3555	171	14	availability	availability	NOUN
fsr-3555	171	15	(	(	PUNCT
fsr-3555	171	16	+1	+1	PROPN
fsr-3555	171	17	sd	sd	NOUN
fsr-3555	171	18	)	)	PUNCT
fsr-3555	171	19	.	.	PUNCT
fsr-3555	172	1	hence	hence	ADV
fsr-3555	172	2	,	,	PUNCT
fsr-3555	172	3	hypothesis	hypothesis	NOUN
fsr-3555	172	4	3	3	NUM
fsr-3555	172	5	was	be	AUX
fsr-3555	172	6	partially	partially	ADV
fsr-3555	172	7	supported	support	VERB
fsr-3555	172	8	.	.	PUNCT
fsr-3555	173	1	these	these	DET
fsr-3555	173	2	results	result	NOUN
fsr-3555	173	3	highlight	highlight	VERB
fsr-3555	173	4	the	the	DET
fsr-3555	173	5	significant	significant	ADJ
fsr-3555	173	6	role	role	NOUN
fsr-3555	173	7	money	money	NOUN
fsr-3555	173	8	availability	availability	NOUN
fsr-3555	173	9	plays	play	VERB
fsr-3555	173	10	in	in	ADP
fsr-3555	173	11	influencing	influence	VERB
fsr-3555	173	12	the	the	DET
fsr-3555	173	13	mediation	mediation	NOUN
fsr-3555	173	14	by	by	ADP
fsr-3555	173	15	retirement	retirement	NOUN
fsr-3555	173	16	planning	planning	NOUN
fsr-3555	173	17	attitudes	attitude	NOUN
fsr-3555	173	18	between	between	ADP
fsr-3555	173	19	risk	risk	NOUN
fsr-3555	173	20	tolerance	tolerance	NOUN
fsr-3555	173	21	and	and	CCONJ
fsr-3555	173	22	retirement	retirement	NOUN
fsr-3555	173	23	planning	planning	NOUN
fsr-3555	173	24	intentions	intention	NOUN
fsr-3555	173	25	.	.	PUNCT
fsr-3555	174	1	at	at	ADP
fsr-3555	174	2	lower	low	ADJ
fsr-3555	174	3	levels	level	NOUN
fsr-3555	174	4	of	of	ADP
fsr-3555	174	5	financial	financial	ADJ
fsr-3555	174	6	resources	resource	NOUN
fsr-3555	174	7	,	,	PUNCT
fsr-3555	174	8	this	this	DET
fsr-3555	174	9	mediation	mediation	NOUN
fsr-3555	174	10	is	be	AUX
fsr-3555	174	11	more	more	ADV
fsr-3555	174	12	highlighted	highlighted	ADJ
fsr-3555	174	13	due	due	ADP
fsr-3555	174	14	to	to	ADP
fsr-3555	174	15	the	the	DET
fsr-3555	174	16	crucial	crucial	ADJ
fsr-3555	174	17	role	role	NOUN
fsr-3555	174	18	attitudes	attitude	NOUN
fsr-3555	174	19	play	play	VERB
fsr-3555	174	20	amidst	amidst	ADP
fsr-3555	174	21	financial	financial	ADJ
fsr-3555	174	22	limitations	limitation	NOUN
fsr-3555	174	23	.	.	PUNCT
fsr-3555	175	1	conversely	conversely	ADV
fsr-3555	175	2	,	,	PUNCT
fsr-3555	175	3	with	with	ADP
fsr-3555	175	4	high	high	ADJ
fsr-3555	175	5	money	money	NOUN
fsr-3555	175	6	availability	availability	NOUN
fsr-3555	175	7	,	,	PUNCT
fsr-3555	175	8	the	the	DET
fsr-3555	175	9	need	need	NOUN
fsr-3555	175	10	for	for	ADP
fsr-3555	175	11	such	such	ADJ
fsr-3555	175	12	mediation	mediation	NOUN
fsr-3555	175	13	diminishes	diminish	VERB
fsr-3555	175	14	,	,	PUNCT
fsr-3555	175	15	as	as	SCONJ
fsr-3555	175	16	the	the	DET
fsr-3555	175	17	ability	ability	NOUN
fsr-3555	175	18	to	to	PART
fsr-3555	175	19	act	act	VERB
fsr-3555	175	20	on	on	ADP
fsr-3555	175	21	retirement	retirement	NOUN
fsr-3555	175	22	planning	planning	NOUN
fsr-3555	175	23	intentions	intention	NOUN
fsr-3555	175	24	faces	face	VERB
fsr-3555	175	25	fewer	few	ADJ
fsr-3555	175	26	financial	financial	ADJ
fsr-3555	175	27	constraints	constraint	NOUN
fsr-3555	175	28	.	.	PUNCT
fsr-3555	176	1	in	in	ADP
fsr-3555	176	2	hypothesis	hypothesis	NOUN
fsr-3555	176	3	4	4	NUM
fsr-3555	176	4	,	,	PUNCT
fsr-3555	176	5	we	we	PRON
fsr-3555	176	6	proposed	propose	VERB
fsr-3555	176	7	that	that	SCONJ
fsr-3555	176	8	the	the	DET
fsr-3555	176	9	availability	availability	NOUN
fsr-3555	176	10	of	of	ADP
fsr-3555	176	11	financial	financial	ADJ
fsr-3555	176	12	resources	resource	NOUN
fsr-3555	176	13	would	would	AUX
fsr-3555	176	14	moderate	moderate	VERB
fsr-3555	176	15	the	the	DET
fsr-3555	176	16	influence	influence	NOUN
fsr-3555	176	17	of	of	ADP
fsr-3555	176	18	financial	financial	ADJ
fsr-3555	176	19	self	self	NOUN
fsr-3555	176	20	-	-	PUNCT
fsr-3555	176	21	efficacy	efficacy	NOUN
fsr-3555	176	22	on	on	ADP
fsr-3555	176	23	retirement	retirement	NOUN
fsr-3555	176	24	planning	planning	NOUN
fsr-3555	176	25	intention	intention	NOUN
fsr-3555	176	26	,	,	PUNCT
fsr-3555	176	27	with	with	ADP
fsr-3555	176	28	retirement	retirement	NOUN
fsr-3555	176	29	planning	planning	NOUN
fsr-3555	176	30	attitude	attitude	NOUN
fsr-3555	176	31	serving	serve	VERB
fsr-3555	176	32	as	as	ADP
fsr-3555	176	33	a	a	DET
fsr-3555	176	34	mediator	mediator	NOUN
fsr-3555	176	35	.	.	PUNCT
fsr-3555	177	1	this	this	DET
fsr-3555	177	2	hypothesis	hypothesis	NOUN
fsr-3555	177	3	was	be	AUX
fsr-3555	177	4	examined	examine	VERB
fsr-3555	177	5	using	use	VERB
fsr-3555	177	6	a	a	DET
fsr-3555	177	7	three	three	NUM
fsr-3555	177	8	-	-	PUNCT
fsr-3555	177	9	step	step	NOUN
fsr-3555	177	10	analytical	analytical	ADJ
fsr-3555	177	11	process	process	NOUN
fsr-3555	177	12	similar	similar	ADJ
fsr-3555	177	13	to	to	ADP
fsr-3555	177	14	that	that	PRON
fsr-3555	177	15	employed	employ	VERB
fsr-3555	177	16	for	for	ADP
fsr-3555	177	17	hypothesis	hypothesis	NOUN
fsr-3555	177	18	3	3	NUM
fsr-3555	177	19	.	.	PUNCT
fsr-3555	178	1	firstly	firstly	ADV
fsr-3555	178	2	,	,	PUNCT
fsr-3555	178	3	the	the	DET
fsr-3555	178	4	mediating	mediate	VERB
fsr-3555	178	5	role	role	NOUN
fsr-3555	178	6	of	of	ADP
fsr-3555	178	7	retirement	retirement	NOUN
fsr-3555	178	8	planning	planning	NOUN
fsr-3555	178	9	attitude	attitude	NOUN
fsr-3555	178	10	in	in	ADP
fsr-3555	178	11	the	the	DET
fsr-3555	178	12	relationship	relationship	NOUN
fsr-3555	178	13	between	between	ADP
fsr-3555	178	14	financial	financial	ADJ
fsr-3555	178	15	self	self	NOUN
fsr-3555	178	16	-	-	PUNCT
fsr-3555	178	17	efficacy	efficacy	NOUN
fsr-3555	178	18	and	and	CCONJ
fsr-3555	178	19	retirement	retirement	NOUN
fsr-3555	178	20	planning	planning	NOUN
fsr-3555	178	21	intention	intention	NOUN
fsr-3555	178	22	was	be	AUX
fsr-3555	178	23	confirmed	confirm	VERB
fsr-3555	178	24	in	in	ADP
fsr-3555	178	25	hypothesis	hypothesis	NOUN
fsr-3555	178	26	2	2	NUM
fsr-3555	178	27	.	.	PUNCT
fsr-3555	179	1	the	the	DET
fsr-3555	179	2	moderating	moderate	VERB
fsr-3555	179	3	impact	impact	NOUN
fsr-3555	179	4	of	of	ADP
fsr-3555	179	5	money	money	NOUN
fsr-3555	179	6	availability	availability	NOUN
fsr-3555	179	7	on	on	ADP
fsr-3555	179	8	the	the	DET
fsr-3555	179	9	link	link	NOUN
fsr-3555	179	10	between	between	ADP
fsr-3555	179	11	retirement	retirement	NOUN
fsr-3555	179	12	planning	planning	NOUN
fsr-3555	179	13	attitude	attitude	NOUN
fsr-3555	179	14	and	and	CCONJ
fsr-3555	179	15	intention	intention	NOUN
fsr-3555	179	16	was	be	AUX
fsr-3555	179	17	then	then	ADV
fsr-3555	179	18	illustrated	illustrate	VERB
fsr-3555	179	19	in	in	ADP
fsr-3555	179	20	figures	figure	NOUN
fsr-3555	179	21	2	2	NUM
fsr-3555	179	22	and	and	CCONJ
fsr-3555	179	23	3	3	NUM
fsr-3555	179	24	.	.	X
fsr-3555	180	1	for	for	ADP
fsr-3555	180	2	the	the	DET
fsr-3555	180	3	third	third	ADJ
fsr-3555	180	4	step	step	NOUN
fsr-3555	180	5	,	,	PUNCT
fsr-3555	180	6	focusing	focus	VERB
fsr-3555	180	7	on	on	ADP
fsr-3555	180	8	the	the	DET
fsr-3555	180	9	moderated	moderated	ADJ
fsr-3555	180	10	mediation	mediation	NOUN
fsr-3555	180	11	effect	effect	NOUN
fsr-3555	180	12	,	,	PUNCT
fsr-3555	180	13	table	table	NOUN
fsr-3555	180	14	2	2	NUM
fsr-3555	180	15	reveals	reveal	VERB
fsr-3555	180	16	how	how	SCONJ
fsr-3555	180	17	money	money	NOUN
fsr-3555	180	18	availability	availability	NOUN
fsr-3555	180	19	influences	influence	VERB
fsr-3555	180	20	this	this	DET
fsr-3555	180	21	relationship	relationship	NOUN
fsr-3555	180	22	at	at	ADP
fsr-3555	180	23	different	different	ADJ
fsr-3555	180	24	levels	level	NOUN
fsr-3555	180	25	.	.	PUNCT
fsr-3555	181	1	at	at	ADP
fsr-3555	181	2	low	low	ADJ
fsr-3555	181	3	and	and	CCONJ
fsr-3555	181	4	mean	mean	ADJ
fsr-3555	181	5	levels	level	NOUN
fsr-3555	181	6	of	of	ADP
fsr-3555	181	7	money	money	NOUN
fsr-3555	181	8	availability	availability	NOUN
fsr-3555	181	9	,	,	PUNCT
fsr-3555	181	10	there	there	PRON
fsr-3555	181	11	was	be	VERB
fsr-3555	181	12	a	a	DET
fsr-3555	181	13	significant	significant	ADJ
fsr-3555	181	14	moderating	moderate	VERB
fsr-3555	181	15	effect	effect	NOUN
fsr-3555	181	16	on	on	ADP
fsr-3555	181	17	the	the	DET
fsr-3555	181	18	indirect	indirect	ADJ
fsr-3555	181	19	relationship	relationship	NOUN
fsr-3555	181	20	between	between	ADP
fsr-3555	181	21	financial	financial	ADJ
fsr-3555	181	22	self	self	NOUN
fsr-3555	181	23	-	-	PUNCT
fsr-3555	181	24	efficacy	efficacy	NOUN
fsr-3555	181	25	and	and	CCONJ
fsr-3555	181	26	retirement	retirement	NOUN
fsr-3555	181	27	planning	planning	NOUN
fsr-3555	181	28	intention	intention	NOUN
fsr-3555	181	29	via	via	ADP
fsr-3555	181	30	retirement	retirement	NOUN
fsr-3555	181	31	planning	planning	NOUN
fsr-3555	181	32	attitude	attitude	NOUN
fsr-3555	181	33	,	,	PUNCT
fsr-3555	181	34	with	with	ADP
fsr-3555	181	35	beta	beta	ADJ
fsr-3555	181	36	coefficients	coefficient	NOUN
fsr-3555	181	37	of	of	ADP
fsr-3555	181	38	0.08	0.08	NUM
fsr-3555	181	39	(	(	PUNCT
fsr-3555	181	40	p	p	NOUN
fsr-3555	181	41	=	=	NOUN
fsr-3555	181	42	0.001	0.001	NUM
fsr-3555	181	43	)	)	PUNCT
fsr-3555	181	44	and	and	CCONJ
fsr-3555	181	45	0.05	0.05	NUM
fsr-3555	181	46	(	(	PUNCT
fsr-3555	181	47	p	p	X
fsr-3555	181	48	=	=	NOUN
fsr-3555	181	49	0.003	0.003	NUM
fsr-3555	181	50	)	)	PUNCT
fsr-3555	181	51	,	,	PUNCT
fsr-3555	181	52	respectively	respectively	ADV
fsr-3555	181	53	.	.	PUNCT
fsr-3555	182	1	however	however	ADV
fsr-3555	182	2	,	,	PUNCT
fsr-3555	182	3	at	at	ADP
fsr-3555	182	4	high	high	ADJ
fsr-3555	182	5	levels	level	NOUN
fsr-3555	182	6	of	of	ADP
fsr-3555	182	7	money	money	NOUN
fsr-3555	182	8	availability	availability	NOUN
fsr-3555	182	9	,	,	PUNCT
fsr-3555	182	10	the	the	DET
fsr-3555	182	11	moderating	moderate	VERB
fsr-3555	182	12	influence	influence	NOUN
fsr-3555	182	13	of	of	ADP
fsr-3555	182	14	financial	financial	ADJ
fsr-3555	182	15	resources	resource	NOUN
fsr-3555	182	16	was	be	AUX
fsr-3555	182	17	not	not	PART
fsr-3555	182	18	evident	evident	ADJ
fsr-3555	182	19	in	in	ADP
fsr-3555	182	20	this	this	DET
fsr-3555	182	21	indirect	indirect	ADJ
fsr-3555	182	22	relationship	relationship	NOUN
fsr-3555	182	23	(	(	PUNCT
fsr-3555	182	24	β	β	X
fsr-3555	182	25	=	=	SYM
fsr-3555	182	26	0.02	0.02	NUM
fsr-3555	182	27	,	,	PUNCT
fsr-3555	182	28	p	p	X
fsr-3555	182	29	=	=	NOUN
fsr-3555	182	30	0.287	0.287	NUM
fsr-3555	182	31	)	)	PUNCT
fsr-3555	182	32	.	.	PUNCT
fsr-3555	183	1	these	these	DET
fsr-3555	183	2	findings	finding	NOUN
fsr-3555	183	3	lead	lead	VERB
fsr-3555	183	4	to	to	ADP
fsr-3555	183	5	a	a	DET
fsr-3555	183	6	partial	partial	ADJ
fsr-3555	183	7	validation	validation	NOUN
fsr-3555	183	8	of	of	ADP
fsr-3555	183	9	hypothesis	hypothesis	NOUN
fsr-3555	183	10	4	4	NUM
fsr-3555	183	11	.	.	PUNCT
fsr-3555	184	1	this	this	DET
fsr-3555	184	2	result	result	NOUN
fsr-3555	184	3	signifies	signify	VERB
fsr-3555	184	4	that	that	SCONJ
fsr-3555	184	5	that	that	SCONJ
fsr-3555	184	6	the	the	DET
fsr-3555	184	7	impact	impact	NOUN
fsr-3555	184	8	of	of	ADP
fsr-3555	184	9	financial	financial	ADJ
fsr-3555	184	10	self	self	NOUN
fsr-3555	184	11	-	-	PUNCT
fsr-3555	184	12	efficacy	efficacy	NOUN
fsr-3555	184	13	on	on	ADP
fsr-3555	184	14	retirement	retirement	NOUN
fsr-3555	184	15	planning	planning	NOUN
fsr-3555	184	16	intention	intention	NOUN
fsr-3555	184	17	is	be	AUX
fsr-3555	184	18	heightened	heighten	VERB
fsr-3555	184	19	by	by	ADP
fsr-3555	184	20	the	the	DET
fsr-3555	184	21	level	level	NOUN
fsr-3555	184	22	of	of	ADP
fsr-3555	184	23	money	money	NOUN
fsr-3555	184	24	availability	availability	NOUN
fsr-3555	184	25	.	.	PUNCT
fsr-3555	185	1	when	when	SCONJ
fsr-3555	185	2	resources	resource	NOUN
fsr-3555	185	3	are	be	AUX
fsr-3555	185	4	low	low	ADJ
fsr-3555	185	5	or	or	CCONJ
fsr-3555	185	6	average	average	ADJ
fsr-3555	185	7	,	,	PUNCT
fsr-3555	185	8	the	the	DET
fsr-3555	185	9	confidence	confidence	NOUN
fsr-3555	185	10	and	and	CCONJ
fsr-3555	185	11	positive	positive	ADJ
fsr-3555	185	12	attitude	attitude	NOUN
fsr-3555	185	13	generated	generate	VERB
fsr-3555	185	14	by	by	ADP
fsr-3555	185	15	financial	financial	ADJ
fsr-3555	185	16	self	self	NOUN
fsr-3555	185	17	-	-	PUNCT
fsr-3555	185	18	efficacy	efficacy	NOUN
fsr-3555	185	19	play	play	VERB
fsr-3555	185	20	a	a	DET
fsr-3555	185	21	larger	large	ADJ
fsr-3555	185	22	role	role	NOUN
fsr-3555	185	23	in	in	ADP
fsr-3555	185	24	shaping	shape	VERB
fsr-3555	185	25	retirement	retirement	NOUN
fsr-3555	185	26	planning	planning	NOUN
fsr-3555	185	27	intentions	intention	NOUN
fsr-3555	185	28	.	.	PUNCT
fsr-3555	186	1	in	in	ADP
fsr-3555	186	2	contrast	contrast	NOUN
fsr-3555	186	3	,	,	PUNCT
fsr-3555	186	4	the	the	DET
fsr-3555	186	5	capacity	capacity	NOUN
fsr-3555	186	6	to	to	PART
fsr-3555	186	7	save	save	VERB
fsr-3555	186	8	and	and	CCONJ
fsr-3555	186	9	plan	plan	VERB
fsr-3555	186	10	for	for	ADP
fsr-3555	186	11	retirement	retirement	NOUN
fsr-3555	186	12	is	be	AUX
fsr-3555	186	13	less	less	ADV
fsr-3555	186	14	dependent	dependent	ADJ
fsr-3555	186	15	on	on	ADP
fsr-3555	186	16	an	an	DET
fsr-3555	186	17	individual	individual	NOUN
fsr-3555	186	18	's	's	PART
fsr-3555	186	19	belief	belief	NOUN
fsr-3555	186	20	in	in	ADP
fsr-3555	186	21	their	their	PRON
fsr-3555	186	22	financial	financial	ADJ
fsr-3555	186	23	capabilities	capability	NOUN
fsr-3555	186	24	,	,	PUNCT
fsr-3555	186	25	as	as	SCONJ
fsr-3555	186	26	the	the	DET
fsr-3555	186	27	financial	financial	ADJ
fsr-3555	186	28	means	mean	VERB
fsr-3555	186	29	to	to	PART
fsr-3555	186	30	save	save	VERB
fsr-3555	186	31	and	and	CCONJ
fsr-3555	186	32	invest	invest	VERB
fsr-3555	186	33	are	be	AUX
fsr-3555	186	34	readily	readily	ADV
fsr-3555	186	35	available	available	ADJ
fsr-3555	186	36	.	.	PUNCT
fsr-3555	187	1	as	as	ADP
fsr-3555	187	2	a	a	DET
fsr-3555	187	3	result	result	NOUN
fsr-3555	187	4	,	,	PUNCT
fsr-3555	187	5	even	even	ADV
fsr-3555	187	6	if	if	SCONJ
fsr-3555	187	7	an	an	DET
fsr-3555	187	8	individual	individual	NOUN
fsr-3555	187	9	has	have	VERB
fsr-3555	187	10	high	high	ADJ
fsr-3555	187	11	financial	financial	ADJ
fsr-3555	187	12	self	self	NOUN
fsr-3555	187	13	-	-	PUNCT
fsr-3555	187	14	efficacy	efficacy	NOUN
fsr-3555	187	15	,	,	PUNCT
fsr-3555	187	16	it	it	PRON
fsr-3555	187	17	does	do	AUX
fsr-3555	187	18	not	not	PART
fsr-3555	187	19	significantly	significantly	ADV
fsr-3555	187	20	alter	alter	VERB
fsr-3555	187	21	the	the	DET
fsr-3555	187	22	likelihood	likelihood	NOUN
fsr-3555	187	23	of	of	ADP
fsr-3555	187	24	retirement	retirement	NOUN
fsr-3555	187	25	planning	planning	NOUN
fsr-3555	187	26	as	as	SCONJ
fsr-3555	187	27	the	the	DET
fsr-3555	187	28	financial	financial	ADJ
fsr-3555	187	29	capability	capability	NOUN
fsr-3555	187	30	to	to	PART
fsr-3555	187	31	do	do	AUX
fsr-3555	187	32	so	so	ADV
fsr-3555	187	33	is	be	AUX
fsr-3555	187	34	already	already	ADV
fsr-3555	187	35	present	present	ADJ
fsr-3555	187	36	.	.	PUNCT
fsr-3555	188	1	conclusion	conclusion	NOUN
fsr-3555	188	2	and	and	CCONJ
fsr-3555	188	3	implications	implication	NOUN
fsr-3555	188	4	in	in	ADP
fsr-3555	188	5	this	this	DET
fsr-3555	188	6	study	study	NOUN
fsr-3555	188	7	,	,	PUNCT
fsr-3555	188	8	grounded	ground	VERB
fsr-3555	188	9	in	in	ADP
fsr-3555	188	10	cognitive	cognitive	ADJ
fsr-3555	188	11	appraisal	appraisal	NOUN
fsr-3555	188	12	theory	theory	NOUN
fsr-3555	188	13	,	,	PUNCT
fsr-3555	188	14	we	we	PRON
fsr-3555	188	15	explored	explore	VERB
fsr-3555	188	16	the	the	DET
fsr-3555	188	17	influence	influence	NOUN
fsr-3555	188	18	of	of	ADP
fsr-3555	188	19	financial	financial	ADJ
fsr-3555	188	20	risk	risk	NOUN
fsr-3555	188	21	tolerance	tolerance	NOUN
fsr-3555	188	22	and	and	CCONJ
fsr-3555	188	23	self	self	NOUN
fsr-3555	188	24	-	-	PUNCT
fsr-3555	188	25	efficacy	efficacy	NOUN
fsr-3555	188	26	on	on	ADP
fsr-3555	188	27	retirement	retirement	NOUN
fsr-3555	188	28	planning	planning	NOUN
fsr-3555	188	29	intention	intention	NOUN
fsr-3555	188	30	,	,	PUNCT
fsr-3555	188	31	mediated	mediate	VERB
fsr-3555	188	32	by	by	ADP
fsr-3555	188	33	retirement	retirement	NOUN
fsr-3555	188	34	planning	planning	NOUN
fsr-3555	188	35	attitude	attitude	NOUN
fsr-3555	188	36	.	.	PUNCT
fsr-3555	189	1	our	our	PRON
fsr-3555	189	2	investigation	investigation	NOUN
fsr-3555	189	3	highlights	highlight	NOUN
fsr-3555	189	4	that	that	PRON
fsr-3555	189	5	risk	risk	VERB
fsr-3555	189	6	tolerance	tolerance	NOUN
fsr-3555	189	7	and	and	CCONJ
fsr-3555	189	8	financial	financial	ADJ
fsr-3555	189	9	self	self	NOUN
fsr-3555	189	10	-	-	PUNCT
fsr-3555	189	11	efficacy	efficacy	NOUN
fsr-3555	189	12	are	be	AUX
fsr-3555	189	13	complex	complex	ADJ
fsr-3555	189	14	factors	factor	NOUN
fsr-3555	189	15	that	that	PRON
fsr-3555	189	16	might	might	AUX
fsr-3555	189	17	be	be	AUX
fsr-3555	189	18	influenced	influence	VERB
fsr-3555	189	19	by	by	ADP
fsr-3555	189	20	sociodemographic	sociodemographic	ADJ
fsr-3555	189	21	characteristics	characteristic	NOUN
fsr-3555	189	22	and	and	CCONJ
fsr-3555	189	23	personal	personal	ADJ
fsr-3555	189	24	circumstances	circumstance	NOUN
fsr-3555	189	25	(	(	PUNCT
fsr-3555	189	26	samsuri	samsuri	PROPN
fsr-3555	189	27	et	et	PROPN
fsr-3555	189	28	al	al	PROPN
fsr-3555	189	29	.	.	PROPN
fsr-3555	189	30	,	,	PUNCT
fsr-3555	189	31	2019	2019	NUM
fsr-3555	189	32	)	)	PUNCT
fsr-3555	189	33	.	.	PUNCT
fsr-3555	190	1	a	a	DET
fsr-3555	190	2	significant	significant	ADJ
fsr-3555	190	3	aspect	aspect	NOUN
fsr-3555	190	4	of	of	ADP
fsr-3555	190	5	our	our	PRON
fsr-3555	190	6	research	research	NOUN
fsr-3555	190	7	focused	focus	VERB
fsr-3555	190	8	on	on	ADP
fsr-3555	190	9	examining	examine	VERB
fsr-3555	190	10	how	how	SCONJ
fsr-3555	190	11	money	money	NOUN
fsr-3555	190	12	availability	availability	NOUN
fsr-3555	190	13	moderates	moderate	VERB
fsr-3555	190	14	the	the	DET
fsr-3555	190	15	effects	effect	NOUN
fsr-3555	190	16	of	of	ADP
fsr-3555	190	17	financial	financial	ADJ
fsr-3555	190	18	risk	risk	NOUN
fsr-3555	190	19	tolerance	tolerance	NOUN
fsr-3555	190	20	and	and	CCONJ
fsr-3555	190	21	selfefficacy	selfefficacy	NOUN
fsr-3555	190	22	on	on	ADP
fsr-3555	190	23	retirement	retirement	NOUN
fsr-3555	190	24	planning	planning	NOUN
fsr-3555	190	25	intention	intention	NOUN
fsr-3555	190	26	via	via	ADP
fsr-3555	190	27	retirement	retirement	NOUN
fsr-3555	190	28	planning	planning	NOUN
fsr-3555	190	29	attitude	attitude	NOUN
fsr-3555	190	30	.	.	PUNCT
fsr-3555	191	1	our	our	PRON
fsr-3555	191	2	findings	finding	NOUN
fsr-3555	191	3	underscore	underscore	VERB
fsr-3555	191	4	the	the	DET
fsr-3555	191	5	notion	notion	NOUN
fsr-3555	191	6	that	that	SCONJ
fsr-3555	191	7	the	the	DET
fsr-3555	191	8	availability	availability	NOUN
fsr-3555	191	9	of	of	ADP
fsr-3555	191	10	financial	financial	ADJ
fsr-3555	191	11	resources	resource	NOUN
fsr-3555	191	12	markedly	markedly	ADV
fsr-3555	191	13	affects	affect	VERB
fsr-3555	191	14	the	the	DET
fsr-3555	191	15	mediation	mediation	NOUN
fsr-3555	191	16	process	process	NOUN
fsr-3555	191	17	of	of	ADP
fsr-3555	191	18	retirement	retirement	NOUN
fsr-3555	191	19	planning	planning	NOUN
fsr-3555	191	20	attitudes	attitude	NOUN
fsr-3555	191	21	in	in	ADP
fsr-3555	191	22	the	the	DET
fsr-3555	191	23	relationship	relationship	NOUN
fsr-3555	191	24	between	between	ADP
fsr-3555	191	25	cognitive	cognitive	ADJ
fsr-3555	191	26	beliefs	belief	NOUN
fsr-3555	191	27	and	and	CCONJ
fsr-3555	191	28	retirement	retirement	NOUN
fsr-3555	191	29	planning	planning	NOUN
fsr-3555	191	30	intentions	intention	NOUN
fsr-3555	191	31	.	.	PUNCT
fsr-3555	192	1	this	this	DET
fsr-3555	192	2	research	research	NOUN
fsr-3555	192	3	emphasizes	emphasize	VERB
fsr-3555	192	4	the	the	DET
fsr-3555	192	5	complex	complex	ADJ
fsr-3555	192	6	connection	connection	NOUN
fsr-3555	192	7	between	between	ADP
fsr-3555	192	8	financial	financial	ADJ
fsr-3555	192	9	risk	risk	NOUN
fsr-3555	192	10	tolerance	tolerance	NOUN
fsr-3555	192	11	,	,	PUNCT
fsr-3555	192	12	retirement	retirement	NOUN
fsr-3555	192	13	planning	planning	NOUN
fsr-3555	192	14	attitude	attitude	NOUN
fsr-3555	192	15	,	,	PUNCT
fsr-3555	192	16	intention	intention	NOUN
fsr-3555	192	17	,	,	PUNCT
fsr-3555	192	18	and	and	CCONJ
fsr-3555	192	19	financial	financial	ADJ
fsr-3555	192	20	resources	resource	NOUN
fsr-3555	192	21	.	.	PUNCT
fsr-3555	193	1	it	it	PRON
fsr-3555	193	2	recognizes	recognize	VERB
fsr-3555	193	3	retirement	retirement	NOUN
fsr-3555	193	4	planning	planning	NOUN
fsr-3555	193	5	attitude	attitude	NOUN
fsr-3555	193	6	as	as	ADP
fsr-3555	193	7	a	a	DET
fsr-3555	193	8	negative	negative	ADJ
fsr-3555	193	9	mediator	mediator	NOUN
fsr-3555	193	10	between	between	ADP
fsr-3555	193	11	risk	risk	NOUN
fsr-3555	193	12	tolerance	tolerance	NOUN
fsr-3555	193	13	and	and	CCONJ
fsr-3555	193	14	retirement	retirement	NOUN
fsr-3555	193	15	planning	planning	NOUN
fsr-3555	193	16	intention	intention	NOUN
fsr-3555	193	17	,	,	PUNCT
fsr-3555	193	18	shedding	shed	VERB
fsr-3555	193	19	light	light	NOUN
fsr-3555	193	20	on	on	ADP
fsr-3555	193	21	why	why	SCONJ
fsr-3555	193	22	individuals	individual	NOUN
fsr-3555	193	23	with	with	ADP
fsr-3555	193	24	high	high	ADJ
fsr-3555	193	25	risk	risk	NOUN
fsr-3555	193	26	tolerance	tolerance	NOUN
fsr-3555	193	27	may	may	AUX
fsr-3555	193	28	have	have	AUX
fsr-3555	193	29	lower	low	ADJ
fsr-3555	193	30	intentions	intention	NOUN
fsr-3555	193	31	to	to	PART
fsr-3555	193	32	plan	plan	VERB
fsr-3555	193	33	for	for	ADP
fsr-3555	193	34	retirement	retirement	NOUN
fsr-3555	193	35	.	.	PUNCT
fsr-3555	194	1	furthermore	furthermore	ADV
fsr-3555	194	2	,	,	PUNCT
fsr-3555	194	3	the	the	DET
fsr-3555	194	4	study	study	NOUN
fsr-3555	194	5	highlights	highlight	VERB
fsr-3555	194	6	that	that	SCONJ
fsr-3555	194	7	the	the	DET
fsr-3555	194	8	influence	influence	NOUN
fsr-3555	194	9	of	of	ADP
fsr-3555	194	10	financial	financial	ADJ
fsr-3555	194	11	risk	risk	NOUN
fsr-3555	194	12	tolerance	tolerance	NOUN
fsr-3555	194	13	on	on	ADP
fsr-3555	194	14	retirement	retirement	NOUN
fsr-3555	194	15	planning	planning	NOUN
fsr-3555	194	16	intention	intention	NOUN
fsr-3555	194	17	,	,	PUNCT
fsr-3555	194	18	mediated	mediate	VERB
fsr-3555	194	19	by	by	ADP
fsr-3555	194	20	retirement	retirement	NOUN
fsr-3555	194	21	planning	planning	NOUN
fsr-3555	194	22	attitude	attitude	NOUN
fsr-3555	194	23	,	,	PUNCT
fsr-3555	194	24	is	be	AUX
fsr-3555	194	25	contingent	contingent	ADJ
fsr-3555	194	26	on	on	ADP
fsr-3555	194	27	the	the	DET
fsr-3555	194	28	availability	availability	NOUN
fsr-3555	194	29	of	of	ADP
fsr-3555	194	30	money	money	NOUN
fsr-3555	194	31	.	.	PUNCT
fsr-3555	195	1	attitude	attitude	NOUN
fsr-3555	195	2	plays	play	VERB
fsr-3555	195	3	a	a	DET
fsr-3555	195	4	substantial	substantial	ADJ
fsr-3555	195	5	mediating	mediate	VERB
fsr-3555	195	6	role	role	NOUN
fsr-3555	195	7	when	when	SCONJ
fsr-3555	195	8	money	money	NOUN
fsr-3555	195	9	is	be	AUX
fsr-3555	195	10	limited	limited	ADJ
fsr-3555	195	11	or	or	CCONJ
fsr-3555	195	12	average	average	ADJ
fsr-3555	195	13	,	,	PUNCT
fsr-3555	195	14	financial	financial	ADJ
fsr-3555	195	15	services	service	NOUN
fsr-3555	195	16	review	review	NOUN
fsr-3555	195	17	,	,	PUNCT
fsr-3555	195	18	32(2	32(2	NUM
fsr-3555	195	19	)	)	PUNCT
fsr-3555	195	20	88	88	NUM
fsr-3555	196	1	but	but	CCONJ
fsr-3555	196	2	this	this	DET
fsr-3555	196	3	impact	impact	NOUN
fsr-3555	196	4	lessens	lessen	VERB
fsr-3555	196	5	when	when	SCONJ
fsr-3555	196	6	financial	financial	ADJ
fsr-3555	196	7	resources	resource	NOUN
fsr-3555	196	8	are	be	AUX
fsr-3555	196	9	abundant	abundant	ADJ
fsr-3555	196	10	.	.	PUNCT
fsr-3555	197	1	this	this	DET
fsr-3555	197	2	insight	insight	NOUN
fsr-3555	197	3	is	be	AUX
fsr-3555	197	4	vital	vital	ADJ
fsr-3555	197	5	for	for	ADP
fsr-3555	197	6	developing	develop	VERB
fsr-3555	197	7	financial	financial	ADJ
fsr-3555	197	8	education	education	NOUN
fsr-3555	197	9	and	and	CCONJ
fsr-3555	197	10	planning	planning	NOUN
fsr-3555	197	11	programs	program	NOUN
fsr-3555	197	12	targeted	target	VERB
fsr-3555	197	13	towards	towards	ADP
fsr-3555	197	14	populations	population	NOUN
fsr-3555	197	15	with	with	ADP
fsr-3555	197	16	different	different	ADJ
fsr-3555	197	17	levels	level	NOUN
fsr-3555	197	18	of	of	ADP
fsr-3555	197	19	financial	financial	ADJ
fsr-3555	197	20	resource	resource	NOUN
fsr-3555	197	21	availability	availability	NOUN
fsr-3555	197	22	.	.	PUNCT
fsr-3555	198	1	this	this	DET
fsr-3555	198	2	paper	paper	NOUN
fsr-3555	198	3	contributes	contribute	VERB
fsr-3555	198	4	to	to	ADP
fsr-3555	198	5	the	the	DET
fsr-3555	198	6	field	field	NOUN
fsr-3555	198	7	of	of	ADP
fsr-3555	198	8	financial	financial	ADJ
fsr-3555	198	9	behavior	behavior	NOUN
fsr-3555	198	10	by	by	ADP
fsr-3555	198	11	exploring	explore	VERB
fsr-3555	198	12	the	the	DET
fsr-3555	198	13	mediated	mediate	VERB
fsr-3555	198	14	processes	process	NOUN
fsr-3555	198	15	leading	lead	VERB
fsr-3555	198	16	to	to	ADP
fsr-3555	198	17	retirement	retirement	NOUN
fsr-3555	198	18	planning	planning	NOUN
fsr-3555	198	19	intentions	intention	NOUN
fsr-3555	198	20	,	,	PUNCT
fsr-3555	198	21	a	a	DET
fsr-3555	198	22	dimension	dimension	NOUN
fsr-3555	198	23	often	often	ADV
fsr-3555	198	24	overlooked	overlook	VERB
fsr-3555	198	25	in	in	ADP
fsr-3555	198	26	previous	previous	ADJ
fsr-3555	198	27	studies	study	NOUN
fsr-3555	198	28	,	,	PUNCT
fsr-3555	198	29	especially	especially	ADV
fsr-3555	198	30	in	in	ADP
fsr-3555	198	31	the	the	DET
fsr-3555	198	32	context	context	NOUN
fsr-3555	198	33	of	of	ADP
fsr-3555	198	34	a	a	DET
fsr-3555	198	35	developing	develop	VERB
fsr-3555	198	36	nation	nation	NOUN
fsr-3555	198	37	.	.	PUNCT
fsr-3555	199	1	our	our	PRON
fsr-3555	199	2	moderated	moderated	ADJ
fsr-3555	199	3	mediation	mediation	NOUN
fsr-3555	199	4	model	model	NOUN
fsr-3555	199	5	offers	offer	VERB
fsr-3555	199	6	a	a	DET
fsr-3555	199	7	nuanced	nuanced	ADJ
fsr-3555	199	8	understanding	understanding	NOUN
fsr-3555	199	9	of	of	ADP
fsr-3555	199	10	retirement	retirement	NOUN
fsr-3555	199	11	planning	planning	NOUN
fsr-3555	199	12	behavior	behavior	NOUN
fsr-3555	199	13	.	.	PUNCT
fsr-3555	200	1	theoretically	theoretically	ADV
fsr-3555	200	2	,	,	PUNCT
fsr-3555	200	3	we	we	PRON
fsr-3555	200	4	demonstrate	demonstrate	VERB
fsr-3555	200	5	how	how	SCONJ
fsr-3555	200	6	different	different	ADJ
fsr-3555	200	7	cognitive	cognitive	ADJ
fsr-3555	200	8	beliefs	belief	NOUN
fsr-3555	200	9	distinctly	distinctly	ADV
fsr-3555	200	10	impact	impact	VERB
fsr-3555	200	11	retirement	retirement	NOUN
fsr-3555	200	12	planning	planning	NOUN
fsr-3555	200	13	attitudes	attitude	NOUN
fsr-3555	200	14	and	and	CCONJ
fsr-3555	200	15	intentions	intention	NOUN
fsr-3555	200	16	,	,	PUNCT
fsr-3555	200	17	with	with	ADP
fsr-3555	200	18	risk	risk	NOUN
fsr-3555	200	19	tolerance	tolerance	NOUN
fsr-3555	200	20	having	have	VERB
fsr-3555	200	21	a	a	DET
fsr-3555	200	22	negative	negative	ADJ
fsr-3555	200	23	effect	effect	NOUN
fsr-3555	200	24	and	and	CCONJ
fsr-3555	200	25	financial	financial	ADJ
fsr-3555	200	26	self	self	NOUN
fsr-3555	200	27	-	-	PUNCT
fsr-3555	200	28	efficacy	efficacy	NOUN
fsr-3555	200	29	a	a	DET
fsr-3555	200	30	positive	positive	ADJ
fsr-3555	200	31	one	one	NOUN
fsr-3555	200	32	.	.	PUNCT
fsr-3555	201	1	the	the	DET
fsr-3555	201	2	study	study	NOUN
fsr-3555	201	3	highlights	highlight	VERB
fsr-3555	201	4	the	the	DET
fsr-3555	201	5	applicability	applicability	NOUN
fsr-3555	201	6	of	of	ADP
fsr-3555	201	7	cognitive	cognitive	ADJ
fsr-3555	201	8	appraisal	appraisal	NOUN
fsr-3555	201	9	theory	theory	NOUN
fsr-3555	201	10	in	in	ADP
fsr-3555	201	11	explaining	explain	VERB
fsr-3555	201	12	retirement	retirement	NOUN
fsr-3555	201	13	planning	planning	NOUN
fsr-3555	201	14	intentions	intention	NOUN
fsr-3555	201	15	.	.	PUNCT
fsr-3555	202	1	practically	practically	ADV
fsr-3555	202	2	,	,	PUNCT
fsr-3555	202	3	this	this	DET
fsr-3555	202	4	research	research	NOUN
fsr-3555	202	5	has	have	VERB
fsr-3555	202	6	significant	significant	ADJ
fsr-3555	202	7	implications	implication	NOUN
fsr-3555	202	8	for	for	ADP
fsr-3555	202	9	practice	practice	NOUN
fsr-3555	202	10	and	and	CCONJ
fsr-3555	202	11	policy	policy	NOUN
fsr-3555	202	12	,	,	PUNCT
fsr-3555	202	13	especially	especially	ADV
fsr-3555	202	14	for	for	ADP
fsr-3555	202	15	countries	country	NOUN
fsr-3555	202	16	like	like	ADP
fsr-3555	202	17	bangladesh	bangladesh	NOUN
fsr-3555	202	18	.	.	PUNCT
fsr-3555	203	1	despite	despite	SCONJ
fsr-3555	203	2	the	the	DET
fsr-3555	203	3	introduction	introduction	NOUN
fsr-3555	203	4	of	of	ADP
fsr-3555	203	5	the	the	DET
fsr-3555	203	6	universal	universal	ADJ
fsr-3555	203	7	pension	pension	NOUN
fsr-3555	203	8	scheme	scheme	NOUN
fsr-3555	203	9	2023	2023	NUM
fsr-3555	203	10	by	by	ADP
fsr-3555	203	11	the	the	DET
fsr-3555	203	12	bangladesh	bangladesh	NOUN
fsr-3555	203	13	government	government	NOUN
fsr-3555	203	14	,	,	PUNCT
fsr-3555	203	15	its	its	PRON
fsr-3555	203	16	uptake	uptake	NOUN
fsr-3555	203	17	has	have	AUX
fsr-3555	203	18	been	be	AUX
fsr-3555	203	19	limited	limit	VERB
fsr-3555	203	20	(	(	PUNCT
fsr-3555	203	21	the	the	DET
fsr-3555	203	22	business	business	NOUN
fsr-3555	203	23	standard	standard	NOUN
fsr-3555	203	24	,	,	PUNCT
fsr-3555	203	25	2023	2023	NUM
fsr-3555	203	26	)	)	PUNCT
fsr-3555	203	27	.	.	PUNCT
fsr-3555	204	1	this	this	DET
fsr-3555	204	2	paper	paper	NOUN
fsr-3555	204	3	suggests	suggest	VERB
fsr-3555	204	4	that	that	SCONJ
fsr-3555	204	5	the	the	DET
fsr-3555	204	6	varying	vary	VERB
fsr-3555	204	7	levels	level	NOUN
fsr-3555	204	8	of	of	ADP
fsr-3555	204	9	resource	resource	NOUN
fsr-3555	204	10	availability	availability	NOUN
fsr-3555	204	11	among	among	ADP
fsr-3555	204	12	individuals	individual	NOUN
fsr-3555	204	13	might	might	AUX
fsr-3555	204	14	influence	influence	VERB
fsr-3555	204	15	their	their	PRON
fsr-3555	204	16	response	response	NOUN
fsr-3555	204	17	to	to	ADP
fsr-3555	204	18	such	such	ADJ
fsr-3555	204	19	schemes	scheme	NOUN
fsr-3555	204	20	.	.	PUNCT
fsr-3555	205	1	it	it	PRON
fsr-3555	205	2	emphasizes	emphasize	VERB
fsr-3555	205	3	the	the	DET
fsr-3555	205	4	need	need	NOUN
fsr-3555	205	5	for	for	ADP
fsr-3555	205	6	tailored	tailor	VERB
fsr-3555	205	7	communication	communication	NOUN
fsr-3555	205	8	strategies	strategy	NOUN
fsr-3555	205	9	to	to	PART
fsr-3555	205	10	foster	foster	VERB
fsr-3555	205	11	positive	positive	ADJ
fsr-3555	205	12	retirement	retirement	NOUN
fsr-3555	205	13	planning	planning	NOUN
fsr-3555	205	14	attitude	attitude	NOUN
fsr-3555	205	15	,	,	PUNCT
fsr-3555	205	16	a	a	DET
fsr-3555	205	17	crucial	crucial	ADJ
fsr-3555	205	18	factor	factor	NOUN
fsr-3555	205	19	in	in	ADP
fsr-3555	205	20	retirement	retirement	NOUN
fsr-3555	205	21	planning	planning	NOUN
fsr-3555	205	22	intention	intention	NOUN
fsr-3555	205	23	.	.	PUNCT
fsr-3555	206	1	as	as	SCONJ
fsr-3555	206	2	the	the	DET
fsr-3555	206	3	role	role	NOUN
fsr-3555	206	4	of	of	ADP
fsr-3555	206	5	perceived	perceive	VERB
fsr-3555	206	6	information	information	NOUN
fsr-3555	206	7	transparency	transparency	NOUN
fsr-3555	206	8	in	in	ADP
fsr-3555	206	9	fostering	foster	VERB
fsr-3555	206	10	financial	financial	ADJ
fsr-3555	206	11	self	self	NOUN
fsr-3555	206	12	-	-	PUNCT
fsr-3555	206	13	efficacy	efficacy	NOUN
fsr-3555	206	14	,	,	PUNCT
fsr-3555	206	15	particularly	particularly	ADV
fsr-3555	206	16	pertinent	pertinent	ADJ
fsr-3555	206	17	in	in	ADP
fsr-3555	206	18	emerging	emerge	VERB
fsr-3555	206	19	economies	economy	NOUN
fsr-3555	206	20	,	,	PUNCT
fsr-3555	206	21	is	be	AUX
fsr-3555	206	22	also	also	ADV
fsr-3555	206	23	paramount	paramount	ADJ
fsr-3555	206	24	(	(	PUNCT
fsr-3555	206	25	zia	zia	PROPN
fsr-3555	206	26	-	-	ADJ
fsr-3555	206	27	ur	ur	INTJ
fsr-3555	206	28	-	-	NOUN
fsr-3555	206	29	rehman	rehman	NOUN
fsr-3555	206	30	et	et	PROPN
fsr-3555	206	31	al	al	PROPN
fsr-3555	206	32	.	.	PROPN
fsr-3555	206	33	,	,	PUNCT
fsr-3555	206	34	2021	2021	NUM
fsr-3555	206	35	)	)	PUNCT
fsr-3555	206	36	,	,	PUNCT
fsr-3555	206	37	these	these	DET
fsr-3555	206	38	insights	insight	NOUN
fsr-3555	206	39	can	can	AUX
fsr-3555	206	40	be	be	AUX
fsr-3555	206	41	beneficial	beneficial	ADJ
fsr-3555	206	42	for	for	ADP
fsr-3555	206	43	other	other	ADJ
fsr-3555	206	44	developing	develop	VERB
fsr-3555	206	45	countries	country	NOUN
fsr-3555	206	46	implementing	implement	VERB
fsr-3555	206	47	similar	similar	ADJ
fsr-3555	206	48	retirement	retirement	NOUN
fsr-3555	206	49	policies	policy	NOUN
fsr-3555	206	50	.	.	PUNCT
fsr-3555	207	1	however	however	ADV
fsr-3555	207	2	,	,	PUNCT
fsr-3555	207	3	our	our	PRON
fsr-3555	207	4	study	study	NOUN
fsr-3555	207	5	is	be	AUX
fsr-3555	207	6	not	not	PART
fsr-3555	207	7	without	without	ADP
fsr-3555	207	8	limitations	limitation	NOUN
fsr-3555	207	9	.	.	PUNCT
fsr-3555	208	1	the	the	DET
fsr-3555	208	2	data	datum	NOUN
fsr-3555	208	3	were	be	AUX
fsr-3555	208	4	collected	collect	VERB
fsr-3555	208	5	in	in	ADP
fsr-3555	208	6	a	a	DET
fsr-3555	208	7	developing	develop	VERB
fsr-3555	208	8	country	country	NOUN
fsr-3555	208	9	context	context	NOUN
fsr-3555	208	10	,	,	PUNCT
fsr-3555	208	11	and	and	CCONJ
fsr-3555	208	12	thus	thus	ADV
fsr-3555	208	13	,	,	PUNCT
fsr-3555	208	14	the	the	DET
fsr-3555	208	15	results	result	NOUN
fsr-3555	208	16	are	be	AUX
fsr-3555	208	17	not	not	PART
fsr-3555	208	18	generalizable	generalizable	ADJ
fsr-3555	208	19	,	,	PUNCT
fsr-3555	208	20	underscoring	underscore	VERB
fsr-3555	208	21	a	a	DET
fsr-3555	208	22	need	need	NOUN
fsr-3555	208	23	for	for	ADP
fsr-3555	208	24	future	future	ADJ
fsr-3555	208	25	research	research	NOUN
fsr-3555	208	26	in	in	ADP
fsr-3555	208	27	diverse	diverse	ADJ
fsr-3555	208	28	economic	economic	ADJ
fsr-3555	208	29	and	and	CCONJ
fsr-3555	208	30	cultural	cultural	ADJ
fsr-3555	208	31	settings	setting	NOUN
fsr-3555	208	32	.	.	PUNCT
fsr-3555	209	1	our	our	PRON
fsr-3555	209	2	findings	finding	NOUN
fsr-3555	209	3	resonate	resonate	VERB
fsr-3555	209	4	with	with	ADP
fsr-3555	209	5	earlier	early	ADJ
fsr-3555	209	6	observations	observation	NOUN
fsr-3555	209	7	of	of	ADP
fsr-3555	209	8	misinformation	misinformation	NOUN
fsr-3555	209	9	or	or	CCONJ
fsr-3555	209	10	lack	lack	NOUN
fsr-3555	209	11	of	of	ADP
fsr-3555	209	12	information	information	NOUN
fsr-3555	209	13	about	about	ADP
fsr-3555	209	14	retirement	retirement	NOUN
fsr-3555	209	15	benefits	benefit	NOUN
fsr-3555	209	16	(	(	PUNCT
fsr-3555	209	17	gustman	gustman	NOUN
fsr-3555	209	18	&	&	CCONJ
fsr-3555	209	19	steinmeier	steinmeier	PROPN
fsr-3555	209	20	,	,	PUNCT
fsr-3555	209	21	2001	2001	NUM
fsr-3555	209	22	)	)	PUNCT
fsr-3555	209	23	,	,	PUNCT
fsr-3555	209	24	suggesting	suggest	VERB
fsr-3555	209	25	further	further	ADJ
fsr-3555	209	26	exploration	exploration	NOUN
fsr-3555	209	27	into	into	ADP
fsr-3555	209	28	the	the	DET
fsr-3555	209	29	relationship	relationship	NOUN
fsr-3555	209	30	between	between	ADP
fsr-3555	209	31	financial	financial	ADJ
fsr-3555	209	32	risk	risk	NOUN
fsr-3555	209	33	tolerance	tolerance	NOUN
fsr-3555	209	34	,	,	PUNCT
fsr-3555	209	35	retirement	retirement	NOUN
fsr-3555	209	36	planning	planning	NOUN
fsr-3555	209	37	attitude	attitude	NOUN
fsr-3555	209	38	,	,	PUNCT
fsr-3555	209	39	and	and	CCONJ
fsr-3555	209	40	intention	intention	NOUN
fsr-3555	209	41	in	in	ADP
fsr-3555	209	42	different	different	ADJ
fsr-3555	209	43	demographics	demographic	NOUN
fsr-3555	209	44	.	.	PUNCT
fsr-3555	210	1	additionally	additionally	ADV
fsr-3555	210	2	,	,	PUNCT
fsr-3555	210	3	the	the	DET
fsr-3555	210	4	relatively	relatively	ADV
fsr-3555	210	5	young	young	ADJ
fsr-3555	210	6	and	and	CCONJ
fsr-3555	210	7	financially	financially	ADV
fsr-3555	210	8	stable	stable	ADJ
fsr-3555	210	9	sample	sample	NOUN
fsr-3555	210	10	in	in	ADP
fsr-3555	210	11	our	our	PRON
fsr-3555	210	12	study	study	NOUN
fsr-3555	210	13	may	may	AUX
fsr-3555	210	14	not	not	PART
fsr-3555	210	15	fully	fully	ADV
fsr-3555	210	16	represent	represent	VERB
fsr-3555	210	17	the	the	DET
fsr-3555	210	18	broader	broad	ADJ
fsr-3555	210	19	population	population	NOUN
fsr-3555	210	20	,	,	PUNCT
fsr-3555	210	21	particularly	particularly	ADV
fsr-3555	210	22	in	in	ADP
fsr-3555	210	23	terms	term	NOUN
fsr-3555	210	24	of	of	ADP
fsr-3555	210	25	retirement	retirement	NOUN
fsr-3555	210	26	planning	planning	NOUN
fsr-3555	210	27	attitudes	attitude	NOUN
fsr-3555	210	28	.	.	PUNCT
fsr-3555	211	1	future	future	ADJ
fsr-3555	211	2	research	research	NOUN
fsr-3555	211	3	should	should	AUX
fsr-3555	211	4	study	study	VERB
fsr-3555	211	5	more	more	ADV
fsr-3555	211	6	varied	varied	ADJ
fsr-3555	211	7	populations	population	NOUN
fsr-3555	211	8	to	to	PART
fsr-3555	211	9	enhance	enhance	VERB
fsr-3555	211	10	the	the	DET
fsr-3555	211	11	generalizability	generalizability	NOUN
fsr-3555	211	12	of	of	ADP
fsr-3555	211	13	the	the	DET
fsr-3555	211	14	findings	finding	NOUN
fsr-3555	211	15	.	.	PUNCT
fsr-3555	212	1	references	reference	NOUN
fsr-3555	212	2	ahamed	ahamed	PROPN
fsr-3555	212	3	,	,	PUNCT
fsr-3555	212	4	a.	a.	PROPN
fsr-3555	212	5	j.	j.	PROPN
fsr-3555	212	6	,	,	PUNCT
fsr-3555	212	7	&	&	CCONJ
fsr-3555	212	8	limbu	limbu	PROPN
fsr-3555	212	9	,	,	PUNCT
fsr-3555	212	10	y.	y.	PROPN
fsr-3555	212	11	b.	b.	PROPN
fsr-3555	213	1	(	(	PUNCT
fsr-3555	213	2	2018	2018	NUM
fsr-3555	213	3	)	)	PUNCT
fsr-3555	213	4	.	.	PUNCT
fsr-3555	214	1	dimensions	dimension	NOUN
fsr-3555	214	2	of	of	ADP
fsr-3555	214	3	materialism	materialism	NOUN
fsr-3555	214	4	and	and	CCONJ
fsr-3555	214	5	credit	credit	NOUN
fsr-3555	214	6	card	card	NOUN
fsr-3555	214	7	usage	usage	NOUN
fsr-3555	214	8	:	:	PUNCT
fsr-3555	214	9	an	an	DET
fsr-3555	214	10	application	application	NOUN
fsr-3555	214	11	and	and	CCONJ
fsr-3555	214	12	extension	extension	NOUN
fsr-3555	214	13	of	of	ADP
fsr-3555	214	14	the	the	DET
fsr-3555	214	15	theory	theory	NOUN
fsr-3555	214	16	of	of	ADP
fsr-3555	214	17	planned	plan	VERB
fsr-3555	214	18	behavior	behavior	NOUN
fsr-3555	214	19	in	in	ADP
fsr-3555	214	20	bangladesh	bangladesh	PROPN
fsr-3555	214	21	.	.	PUNCT
fsr-3555	215	1	journal	journal	PROPN
fsr-3555	215	2	of	of	ADP
fsr-3555	215	3	financial	financial	ADJ
fsr-3555	215	4	services	service	NOUN
fsr-3555	215	5	marketing	marketing	NOUN
fsr-3555	215	6	,	,	PUNCT
fsr-3555	215	7	23(3	23(3	NUM
fsr-3555	215	8	)	)	PUNCT
fsr-3555	215	9	,	,	PUNCT
fsr-3555	215	10	200	200	NUM
fsr-3555	215	11	-	-	SYM
fsr-3555	215	12	209	209	NUM
fsr-3555	215	13	.	.	PUNCT
fsr-3555	216	1	https://doi.org/10.1057/s41264-0180058-5	https://doi.org/10.1057/s41264-0180058-5	PROPN
fsr-3555	216	2	ajzen	ajzen	PROPN
fsr-3555	216	3	,	,	PUNCT
fsr-3555	216	4	i.	i.	NOUN
fsr-3555	216	5	(	(	PUNCT
fsr-3555	216	6	2011	2011	NUM
fsr-3555	216	7	)	)	PUNCT
fsr-3555	216	8	.	.	PUNCT
fsr-3555	217	1	the	the	DET
fsr-3555	217	2	theory	theory	NOUN
fsr-3555	217	3	of	of	ADP
fsr-3555	217	4	planned	planned	ADJ
fsr-3555	217	5	behaviour	behaviour	NOUN
fsr-3555	217	6	:	:	PUNCT
fsr-3555	217	7	reactions	reaction	NOUN
fsr-3555	217	8	and	and	CCONJ
fsr-3555	217	9	reflections	reflection	NOUN
fsr-3555	217	10	.	.	PUNCT
fsr-3555	218	1	psychology	psychology	NOUN
fsr-3555	218	2	&	&	CCONJ
fsr-3555	218	3	health	health	PROPN
fsr-3555	218	4	,	,	PUNCT
fsr-3555	218	5	26	26	NUM
fsr-3555	218	6	(	(	PUNCT
fsr-3555	218	7	9	9	NUM
fsr-3555	218	8	)	)	PUNCT
fsr-3555	218	9	,	,	PUNCT
fsr-3555	218	10	1113	1113	NUM
fsr-3555	218	11	-	-	SYM
fsr-3555	218	12	1127	1127	NUM
fsr-3555	218	13	.	.	PUNCT
fsr-3555	219	1	https://doi.org/10.1080/08870446.2011	https://doi.org/10.1080/08870446.2011	NUM
fsr-3555	219	2	.	.	PUNCT
fsr-3555	220	1	613995	613995	NUM
fsr-3555	220	2	badgaiyan	badgaiyan	NOUN
fsr-3555	220	3	,	,	PUNCT
fsr-3555	220	4	a.	a.	PROPN
fsr-3555	220	5	j.	j.	PROPN
fsr-3555	220	6	,	,	PUNCT
fsr-3555	220	7	&	&	CCONJ
fsr-3555	220	8	verma	verma	PROPN
fsr-3555	220	9	,	,	PUNCT
fsr-3555	220	10	a.	a.	NOUN
fsr-3555	220	11	(	(	PUNCT
fsr-3555	220	12	2015	2015	NUM
fsr-3555	220	13	)	)	PUNCT
fsr-3555	220	14	.	.	PUNCT
fsr-3555	221	1	does	do	AUX
fsr-3555	221	2	urge	urge	VERB
fsr-3555	221	3	to	to	PART
fsr-3555	221	4	buy	buy	VERB
fsr-3555	221	5	impulsively	impulsively	ADV
fsr-3555	221	6	differ	differ	VERB
fsr-3555	221	7	from	from	ADP
fsr-3555	221	8	impulsive	impulsive	ADJ
fsr-3555	221	9	buying	buying	NOUN
fsr-3555	221	10	behaviour	behaviour	NOUN
fsr-3555	221	11	?	?	PUNCT
fsr-3555	222	1	assessing	assess	VERB
fsr-3555	222	2	the	the	DET
fsr-3555	222	3	impact	impact	NOUN
fsr-3555	222	4	of	of	ADP
fsr-3555	222	5	situational	situational	ADJ
fsr-3555	222	6	factors	factor	NOUN
fsr-3555	222	7	.	.	PUNCT
fsr-3555	223	1	journal	journal	NOUN
fsr-3555	223	2	of	of	ADP
fsr-3555	223	3	retailing	retailing	NOUN
fsr-3555	223	4	and	and	CCONJ
fsr-3555	223	5	consumer	consumer	NOUN
fsr-3555	223	6	services	service	NOUN
fsr-3555	223	7	,	,	PUNCT
fsr-3555	223	8	22	22	NUM
fsr-3555	223	9	,	,	PUNCT
fsr-3555	223	10	145	145	NUM
fsr-3555	223	11	-	-	SYM
fsr-3555	223	12	157	157	NUM
fsr-3555	223	13	.	.	PUNCT
fsr-3555	224	1	https://doi.org/10.1016/j.jretconser.2014	https://doi.org/10.1016/j.jretconser.2014	PROPN
fsr-3555	224	2	.10.002	.10.002	PUNCT
fsr-3555	224	3	bandura	bandura	PROPN
fsr-3555	224	4	,	,	PUNCT
fsr-3555	224	5	a.	a.	NOUN
fsr-3555	224	6	(	(	PUNCT
fsr-3555	224	7	1982	1982	NUM
fsr-3555	224	8	)	)	PUNCT
fsr-3555	224	9	.	.	PUNCT
fsr-3555	225	1	self	self	NOUN
fsr-3555	225	2	-	-	PUNCT
fsr-3555	225	3	efficacy	efficacy	NOUN
fsr-3555	225	4	mechanism	mechanism	NOUN
fsr-3555	225	5	in	in	ADP
fsr-3555	225	6	human	human	ADJ
fsr-3555	225	7	agency	agency	NOUN
fsr-3555	225	8	.	.	PUNCT
fsr-3555	226	1	american	american	PROPN
fsr-3555	226	2	psychologist	psychologist	PROPN
fsr-3555	226	3	,	,	PUNCT
fsr-3555	226	4	37(2	37(2	PROPN
fsr-3555	226	5	)	)	PUNCT
fsr-3555	226	6	,	,	PUNCT
fsr-3555	226	7	122	122	NUM
fsr-3555	226	8	-	-	SYM
fsr-3555	226	9	147	147	NUM
fsr-3555	226	10	.	.	PUNCT
fsr-3555	227	1	https://psycnet.apa.org/doi/10.1037/000	https://psycnet.apa.org/doi/10.1037/000	PROPN
fsr-3555	227	2	3	3	NUM
fsr-3555	227	3	-	-	PUNCT
fsr-3555	227	4	066x.37.2.122	066x.37.2.122	NUM
fsr-3555	227	5	bandura	bandura	NOUN
fsr-3555	227	6	,	,	PUNCT
fsr-3555	227	7	a.	a.	NOUN
fsr-3555	227	8	(	(	PUNCT
fsr-3555	227	9	2006	2006	NUM
fsr-3555	227	10	)	)	PUNCT
fsr-3555	227	11	.	.	PUNCT
fsr-3555	228	1	guide	guide	VERB
fsr-3555	228	2	for	for	ADP
fsr-3555	228	3	constructing	construct	VERB
fsr-3555	228	4	selfefficacy	selfefficacy	NOUN
fsr-3555	228	5	scales	scale	NOUN
fsr-3555	228	6	.	.	PUNCT
fsr-3555	229	1	self	self	NOUN
fsr-3555	229	2	-	-	PUNCT
fsr-3555	229	3	efficacy	efficacy	NOUN
fsr-3555	229	4	beliefs	belief	NOUN
fsr-3555	229	5	of	of	ADP
fsr-3555	229	6	adolescents	adolescent	NOUN
fsr-3555	229	7	,	,	PUNCT
fsr-3555	229	8	5(1	5(1	NUM
fsr-3555	229	9	)	)	PUNCT
fsr-3555	229	10	,	,	PUNCT
fsr-3555	229	11	307	307	NUM
fsr-3555	229	12	-	-	SYM
fsr-3555	229	13	337	337	NUM
fsr-3555	229	14	.	.	PUNCT
fsr-3555	230	1	bandura	bandura	NOUN
fsr-3555	230	2	,	,	PUNCT
fsr-3555	230	3	a.	a.	NOUN
fsr-3555	230	4	(	(	PUNCT
fsr-3555	230	5	2012	2012	NUM
fsr-3555	230	6	)	)	PUNCT
fsr-3555	230	7	.	.	PUNCT
fsr-3555	231	1	cultivate	cultivate	VERB
fsr-3555	231	2	self‐efficacy	self‐efficacy	PROPN
fsr-3555	231	3	for	for	ADP
fsr-3555	231	4	personal	personal	ADJ
fsr-3555	231	5	and	and	CCONJ
fsr-3555	231	6	organizational	organizational	ADJ
fsr-3555	231	7	effectiveness	effectiveness	NOUN
fsr-3555	231	8	.	.	PUNCT
fsr-3555	232	1	handbook	handbook	NOUN
fsr-3555	232	2	of	of	ADP
fsr-3555	232	3	principles	principle	NOUN
fsr-3555	232	4	of	of	ADP
fsr-3555	232	5	organizational	organizational	ADJ
fsr-3555	232	6	behavior	behavior	NOUN
fsr-3555	232	7	:	:	PUNCT
fsr-3555	232	8	indispensable	indispensable	ADJ
fsr-3555	232	9	knowledge	knowledge	NOUN
fsr-3555	232	10	for	for	ADP
fsr-3555	232	11	evidence‐based	evidence‐base	VERB
fsr-3555	232	12	management	management	NOUN
fsr-3555	232	13	,	,	PUNCT
fsr-3555	232	14	179	179	NUM
fsr-3555	232	15	-	-	SYM
fsr-3555	232	16	200	200	NUM
fsr-3555	232	17	.	.	PUNCT
fsr-3555	232	18	https://doi.org/10.1002/9781119206422	https://doi.org/10.1002/9781119206422	ADV
fsr-3555	232	19	.	.	PUNCT
fsr-3555	233	1	ch10	ch10	PROPN
fsr-3555	233	2	bapat	bapat	VERB
fsr-3555	233	3	,	,	PUNCT
fsr-3555	233	4	d.	d.	PROPN
fsr-3555	233	5	(	(	PUNCT
fsr-3555	233	6	2020	2020	NUM
fsr-3555	233	7	)	)	PUNCT
fsr-3555	233	8	.	.	PUNCT
fsr-3555	234	1	antecedents	antecedent	NOUN
fsr-3555	234	2	to	to	ADP
fsr-3555	234	3	responsible	responsible	ADJ
fsr-3555	234	4	financial	financial	ADJ
fsr-3555	234	5	management	management	NOUN
fsr-3555	234	6	behavior	behavior	NOUN
fsr-3555	234	7	among	among	ADP
fsr-3555	234	8	https://doi.org/10.1057/s41264-018-0058-5	https://doi.org/10.1057/s41264-018-0058-5	PROPN
fsr-3555	234	9	https://doi.org/10.1057/s41264-018-0058-5	https://doi.org/10.1057/s41264-018-0058-5	PROPN
fsr-3555	234	10	https://doi.org/10.1080/08870446.2011.613995	https://doi.org/10.1080/08870446.2011.613995	PROPN
fsr-3555	234	11	https://doi.org/10.1080/08870446.2011.613995	https://doi.org/10.1080/08870446.2011.613995	PROPN
fsr-3555	234	12	https://doi.org/10.1016/j.jretconser.2014.10.002	https://doi.org/10.1016/j.jretconser.2014.10.002	NUM
fsr-3555	234	13	https://doi.org/10.1016/j.jretconser.2014.10.002	https://doi.org/10.1016/j.jretconser.2014.10.002	NOUN
fsr-3555	234	14	https://psycnet.apa.org/doi/10.1037/0003-066x.37.2.122	https://psycnet.apa.org/doi/10.1037/0003-066x.37.2.122	PROPN
fsr-3555	235	1	https://psycnet.apa.org/doi/10.1037/0003-066x.37.2.122	https://psycnet.apa.org/doi/10.1037/0003-066x.37.2.122	PROPN
fsr-3555	235	2	https://doi.org/10.1002/9781119206422.ch10	https://doi.org/10.1002/9781119206422.ch10	PROPN
fsr-3555	236	1	https://doi.org/10.1002/9781119206422.ch10	https://doi.org/10.1002/9781119206422.ch10	PROPN
fsr-3555	236	2	ahamed	ahamed	PROPN
fsr-3555	236	3	&	&	CCONJ
fsr-3555	236	4	limbu	limbu	PROPN
fsr-3555	236	5	89	89	NUM
fsr-3555	237	1	young	young	ADJ
fsr-3555	237	2	adults	adult	NOUN
fsr-3555	237	3	:	:	PUNCT
fsr-3555	237	4	moderating	moderate	VERB
fsr-3555	237	5	role	role	NOUN
fsr-3555	237	6	of	of	ADP
fsr-3555	237	7	financial	financial	ADJ
fsr-3555	237	8	risk	risk	NOUN
fsr-3555	237	9	tolerance	tolerance	NOUN
fsr-3555	237	10	.	.	PUNCT
fsr-3555	238	1	international	international	ADJ
fsr-3555	238	2	journal	journal	PROPN
fsr-3555	238	3	of	of	ADP
fsr-3555	238	4	bank	bank	PROPN
fsr-3555	238	5	marketing	marketing	NOUN
fsr-3555	238	6	,	,	PUNCT
fsr-3555	238	7	38(5	38(5	NUM
fsr-3555	238	8	)	)	PUNCT
fsr-3555	238	9	,	,	PUNCT
fsr-3555	238	10	11771194	11771194	NUM
fsr-3555	238	11	.	.	PUNCT
fsr-3555	239	1	https://doi.org/10.1108/ijbm-102019-0356	https://doi.org/10.1108/ijbm-102019-0356	PROPN
fsr-3555	239	2	bayar	bayar	PROPN
fsr-3555	239	3	,	,	PUNCT
fsr-3555	239	4	y.	y.	PROPN
fsr-3555	239	5	,	,	PUNCT
fsr-3555	239	6	sezgin	sezgin	NOUN
fsr-3555	239	7	,	,	PUNCT
fsr-3555	239	8	h.	h.	PROPN
fsr-3555	239	9	f.	f.	PROPN
fsr-3555	239	10	,	,	PUNCT
fsr-3555	239	11	öztürk	öztürk	PROPN
fsr-3555	239	12	,	,	PUNCT
fsr-3555	239	13	ö.	ö.	PROPN
fsr-3555	239	14	f.	f.	PROPN
fsr-3555	239	15	,	,	PUNCT
fsr-3555	239	16	&	&	CCONJ
fsr-3555	239	17	şaşmaz	şaşmaz	NOUN
fsr-3555	239	18	,	,	PUNCT
fsr-3555	239	19	m.	m.	NOUN
fsr-3555	239	20	ü.	ü.	NOUN
fsr-3555	239	21	(	(	PUNCT
fsr-3555	239	22	2020	2020	NUM
fsr-3555	239	23	)	)	PUNCT
fsr-3555	239	24	.	.	PUNCT
fsr-3555	240	1	financial	financial	ADJ
fsr-3555	240	2	literacy	literacy	NOUN
fsr-3555	240	3	and	and	CCONJ
fsr-3555	240	4	financial	financial	ADJ
fsr-3555	240	5	risk	risk	NOUN
fsr-3555	240	6	tolerance	tolerance	NOUN
fsr-3555	240	7	of	of	ADP
fsr-3555	240	8	individual	individual	ADJ
fsr-3555	240	9	investors	investor	NOUN
fsr-3555	240	10	:	:	PUNCT
fsr-3555	240	11	multinomial	multinomial	ADJ
fsr-3555	240	12	logistic	logistic	ADJ
fsr-3555	240	13	regression	regression	NOUN
fsr-3555	240	14	approach	approach	NOUN
fsr-3555	240	15	.	.	PUNCT
fsr-3555	241	1	sage	sage	NOUN
fsr-3555	241	2	open	open	ADJ
fsr-3555	241	3	,	,	PUNCT
fsr-3555	241	4	10(3	10(3	NUM
fsr-3555	241	5	)	)	PUNCT
fsr-3555	241	6	,	,	PUNCT
fsr-3555	241	7	2158244020945717	2158244020945717	NUM
fsr-3555	241	8	.	.	PUNCT
fsr-3555	242	1	https://doi.org/10.1177/2158244020945	https://doi.org/10.1177/2158244020945	ADJ
fsr-3555	242	2	717	717	NUM
fsr-3555	242	3	białowolski	białowolski	NOUN
fsr-3555	242	4	,	,	PUNCT
fsr-3555	242	5	p.	p.	NOUN
fsr-3555	242	6	,	,	PUNCT
fsr-3555	242	7	cwynar	cwynar	PROPN
fsr-3555	242	8	,	,	PUNCT
fsr-3555	242	9	a.	a.	NOUN
fsr-3555	242	10	,	,	PUNCT
fsr-3555	242	11	cwynar	cwynar	PROPN
fsr-3555	242	12	,	,	PUNCT
fsr-3555	242	13	w.	w.	PROPN
fsr-3555	242	14	,	,	PUNCT
fsr-3555	242	15	&	&	CCONJ
fsr-3555	242	16	węziak‐białowolska	węziak‐białowolska	PROPN
fsr-3555	242	17	,	,	PUNCT
fsr-3555	242	18	d.	d.	PROPN
fsr-3555	242	19	(	(	PUNCT
fsr-3555	242	20	2020	2020	NUM
fsr-3555	242	21	)	)	PUNCT
fsr-3555	242	22	.	.	PUNCT
fsr-3555	243	1	consumer	consumer	NOUN
fsr-3555	243	2	debt	debt	NOUN
fsr-3555	243	3	attitudes	attitude	NOUN
fsr-3555	243	4	:	:	PUNCT
fsr-3555	243	5	the	the	DET
fsr-3555	243	6	role	role	NOUN
fsr-3555	243	7	of	of	ADP
fsr-3555	243	8	gender	gender	NOUN
fsr-3555	243	9	,	,	PUNCT
fsr-3555	243	10	debt	debt	NOUN
fsr-3555	243	11	knowledge	knowledge	NOUN
fsr-3555	243	12	and	and	CCONJ
fsr-3555	243	13	skills	skill	NOUN
fsr-3555	243	14	.	.	PUNCT
fsr-3555	244	1	international	international	ADJ
fsr-3555	244	2	journal	journal	PROPN
fsr-3555	244	3	of	of	ADP
fsr-3555	244	4	consumer	consumer	NOUN
fsr-3555	244	5	studies	study	NOUN
fsr-3555	244	6	,	,	PUNCT
fsr-3555	244	7	44(3	44(3	NOUN
fsr-3555	244	8	)	)	PUNCT
fsr-3555	244	9	,	,	PUNCT
fsr-3555	244	10	191	191	NUM
fsr-3555	244	11	-	-	SYM
fsr-3555	244	12	205	205	NUM
fsr-3555	244	13	.	.	PUNCT
fsr-3555	245	1	https://doi.org/10.1111/ijcs.12558	https://doi.org/10.1111/ijcs.12558	ADJ
fsr-3555	245	2	chen	chen	PROPN
fsr-3555	245	3	,	,	PUNCT
fsr-3555	245	4	e.	e.	PROPN
fsr-3555	245	5	,	,	PUNCT
fsr-3555	245	6	&	&	CCONJ
fsr-3555	245	7	matthews	matthews	PROPN
fsr-3555	245	8	,	,	PUNCT
fsr-3555	245	9	k.	k.	PROPN
fsr-3555	245	10	a.	a.	PROPN
fsr-3555	245	11	(	(	PUNCT
fsr-3555	245	12	2003	2003	NUM
fsr-3555	245	13	)	)	PUNCT
fsr-3555	245	14	.	.	PUNCT
fsr-3555	246	1	development	development	NOUN
fsr-3555	246	2	of	of	ADP
fsr-3555	246	3	the	the	DET
fsr-3555	246	4	cognitive	cognitive	ADJ
fsr-3555	246	5	appraisal	appraisal	NOUN
fsr-3555	246	6	and	and	CCONJ
fsr-3555	246	7	understanding	understanding	NOUN
fsr-3555	246	8	of	of	ADP
fsr-3555	246	9	social	social	ADJ
fsr-3555	246	10	events	event	NOUN
fsr-3555	246	11	(	(	PUNCT
fsr-3555	246	12	cause	cause	NOUN
fsr-3555	246	13	)	)	PUNCT
fsr-3555	246	14	videos	video	NOUN
fsr-3555	246	15	.	.	PUNCT
fsr-3555	247	1	health	health	NOUN
fsr-3555	247	2	psychology	psychology	NOUN
fsr-3555	247	3	,	,	PUNCT
fsr-3555	247	4	22(1	22(1	NUM
fsr-3555	247	5	)	)	PUNCT
fsr-3555	247	6	,	,	PUNCT
fsr-3555	247	7	106	106	NUM
fsr-3555	247	8	-	-	SYM
fsr-3555	247	9	110	110	NUM
fsr-3555	247	10	.	.	PUNCT
fsr-3555	248	1	https://psycnet.apa.org/doi/10.1037/027	https://psycnet.apa.org/doi/10.1037/027	PROPN
fsr-3555	248	2	8	8	NUM
fsr-3555	248	3	-	-	PUNCT
fsr-3555	248	4	6133.22.1.106	6133.22.1.106	NUM
fsr-3555	248	5	croy	croy	PROPN
fsr-3555	248	6	,	,	PUNCT
fsr-3555	248	7	g.	g.	PROPN
fsr-3555	248	8	,	,	PUNCT
fsr-3555	248	9	gerrans	gerran	NOUN
fsr-3555	248	10	,	,	PUNCT
fsr-3555	248	11	p.	p.	NOUN
fsr-3555	248	12	,	,	PUNCT
fsr-3555	248	13	&	&	CCONJ
fsr-3555	248	14	speelman	speelman	PROPN
fsr-3555	248	15	,	,	PUNCT
fsr-3555	248	16	c.	c.	PROPN
fsr-3555	248	17	(	(	PUNCT
fsr-3555	248	18	2010	2010	NUM
fsr-3555	248	19	)	)	PUNCT
fsr-3555	248	20	.	.	PUNCT
fsr-3555	249	1	the	the	DET
fsr-3555	249	2	role	role	NOUN
fsr-3555	249	3	and	and	CCONJ
fsr-3555	249	4	relevance	relevance	NOUN
fsr-3555	249	5	of	of	ADP
fsr-3555	249	6	domain	domain	NOUN
fsr-3555	249	7	knowledge	knowledge	NOUN
fsr-3555	249	8	,	,	PUNCT
fsr-3555	249	9	perceptions	perception	NOUN
fsr-3555	249	10	of	of	ADP
fsr-3555	249	11	planning	planning	NOUN
fsr-3555	249	12	importance	importance	NOUN
fsr-3555	249	13	,	,	PUNCT
fsr-3555	249	14	and	and	CCONJ
fsr-3555	249	15	risk	risk	NOUN
fsr-3555	249	16	tolerance	tolerance	NOUN
fsr-3555	249	17	in	in	ADP
fsr-3555	249	18	predicting	predict	VERB
fsr-3555	249	19	savings	saving	NOUN
fsr-3555	249	20	intentions	intention	NOUN
fsr-3555	249	21	.	.	PUNCT
fsr-3555	250	1	journal	journal	NOUN
fsr-3555	250	2	of	of	ADP
fsr-3555	250	3	economic	economic	ADJ
fsr-3555	250	4	psychology	psychology	NOUN
fsr-3555	250	5	,	,	PUNCT
fsr-3555	250	6	31(6	31(6	NUM
fsr-3555	250	7	)	)	PUNCT
fsr-3555	250	8	,	,	PUNCT
fsr-3555	250	9	860	860	NUM
fsr-3555	250	10	-	-	SYM
fsr-3555	250	11	871	871	NUM
fsr-3555	250	12	.	.	PUNCT
fsr-3555	251	1	https://doi.org/10.1016/j.joep.2010.06.0	https://doi.org/10.1016/j.joep.2010.06.0	PROPN
fsr-3555	251	2	02	02	NUM
fsr-3555	251	3	deaves	deaf	NOUN
fsr-3555	251	4	,	,	PUNCT
fsr-3555	251	5	r.	r.	PROPN
fsr-3555	251	6	,	,	PUNCT
fsr-3555	251	7	veit	veit	PROPN
fsr-3555	251	8	,	,	PUNCT
fsr-3555	251	9	e.	e.	PROPN
fsr-3555	251	10	t.	t.	PROPN
fsr-3555	251	11	,	,	PUNCT
fsr-3555	251	12	bhandari	bhandari	PROPN
fsr-3555	251	13	,	,	PUNCT
fsr-3555	251	14	g.	g.	PROPN
fsr-3555	251	15	,	,	PUNCT
fsr-3555	251	16	&	&	CCONJ
fsr-3555	251	17	cheney	cheney	PROPN
fsr-3555	251	18	,	,	PUNCT
fsr-3555	251	19	j.	j.	PROPN
fsr-3555	251	20	(	(	PUNCT
fsr-3555	251	21	2007	2007	NUM
fsr-3555	251	22	)	)	PUNCT
fsr-3555	251	23	.	.	PUNCT
fsr-3555	252	1	the	the	DET
fsr-3555	252	2	savings	saving	NOUN
fsr-3555	252	3	and	and	CCONJ
fsr-3555	252	4	investment	investment	NOUN
fsr-3555	252	5	decisions	decision	NOUN
fsr-3555	252	6	of	of	ADP
fsr-3555	252	7	planners	planner	NOUN
fsr-3555	252	8	:	:	PUNCT
fsr-3555	252	9	a	a	DET
fsr-3555	252	10	cross	cross	ADJ
fsr-3555	252	11	-	-	ADJ
fsr-3555	252	12	sectional	sectional	ADJ
fsr-3555	252	13	study	study	NOUN
fsr-3555	252	14	of	of	ADP
fsr-3555	252	15	college	college	NOUN
fsr-3555	252	16	employees	employee	NOUN
fsr-3555	252	17	.	.	PUNCT
fsr-3555	253	1	financial	financial	ADJ
fsr-3555	253	2	services	service	NOUN
fsr-3555	253	3	review	review	PROPN
fsr-3555	253	4	,	,	PUNCT
fsr-3555	253	5	16(2	16(2	NUM
fsr-3555	253	6	)	)	PUNCT
fsr-3555	253	7	,	,	PUNCT
fsr-3555	253	8	117	117	NUM
fsr-3555	253	9	-	-	SYM
fsr-3555	253	10	133	133	NUM
fsr-3555	253	11	.	.	PUNCT
fsr-3555	254	1	fan	fan	PROPN
fsr-3555	254	2	,	,	PUNCT
fsr-3555	254	3	l.	l.	PROPN
fsr-3555	254	4	(	(	PUNCT
fsr-3555	254	5	2022	2022	NUM
fsr-3555	254	6	)	)	PUNCT
fsr-3555	254	7	.	.	PUNCT
fsr-3555	255	1	consumer	consumer	NOUN
fsr-3555	255	2	financial	financial	ADJ
fsr-3555	255	3	information	information	NOUN
fsr-3555	255	4	processing	processing	NOUN
fsr-3555	255	5	:	:	PUNCT
fsr-3555	255	6	an	an	DET
fsr-3555	255	7	integrated	integrated	ADJ
fsr-3555	255	8	approach	approach	NOUN
fsr-3555	255	9	to	to	PART
fsr-3555	255	10	examine	examine	VERB
fsr-3555	255	11	individual	individual	ADJ
fsr-3555	255	12	differences	difference	NOUN
fsr-3555	255	13	.	.	PUNCT
fsr-3555	256	1	international	international	ADJ
fsr-3555	256	2	journal	journal	PROPN
fsr-3555	256	3	of	of	ADP
fsr-3555	256	4	consumer	consumer	NOUN
fsr-3555	256	5	studies	study	NOUN
fsr-3555	256	6	,	,	PUNCT
fsr-3555	256	7	47(2	47(2	PROPN
fsr-3555	256	8	)	)	PUNCT
fsr-3555	256	9	,	,	PUNCT
fsr-3555	256	10	703	703	NUM
fsr-3555	256	11	-	-	SYM
fsr-3555	256	12	722	722	NUM
fsr-3555	256	13	.	.	PUNCT
fsr-3555	257	1	https://doi.org/10.1111/ijcs.12859	https://doi.org/10.1111/ijcs.12859	PROPN
fsr-3555	257	2	farrell	farrell	PROPN
fsr-3555	257	3	,	,	PUNCT
fsr-3555	257	4	l.	l.	PROPN
fsr-3555	257	5	,	,	PUNCT
fsr-3555	257	6	fry	fry	PROPN
fsr-3555	257	7	,	,	PUNCT
fsr-3555	257	8	t.	t.	PROPN
fsr-3555	257	9	r.	r.	PROPN
fsr-3555	257	10	,	,	PUNCT
fsr-3555	257	11	&	&	CCONJ
fsr-3555	257	12	risse	risse	PROPN
fsr-3555	257	13	,	,	PUNCT
fsr-3555	257	14	l.	l.	PROPN
fsr-3555	257	15	(	(	PUNCT
fsr-3555	257	16	2016	2016	NUM
fsr-3555	257	17	)	)	PUNCT
fsr-3555	257	18	.	.	PUNCT
fsr-3555	258	1	the	the	DET
fsr-3555	258	2	significance	significance	NOUN
fsr-3555	258	3	of	of	ADP
fsr-3555	258	4	financial	financial	ADJ
fsr-3555	258	5	self	self	NOUN
fsr-3555	258	6	-	-	PUNCT
fsr-3555	258	7	efficacy	efficacy	NOUN
fsr-3555	258	8	in	in	ADP
fsr-3555	258	9	explaining	explain	VERB
fsr-3555	258	10	women	woman	NOUN
fsr-3555	258	11	’s	’s	PART
fsr-3555	258	12	personal	personal	ADJ
fsr-3555	258	13	finance	finance	NOUN
fsr-3555	258	14	behaviour	behaviour	NOUN
fsr-3555	258	15	.	.	PUNCT
fsr-3555	259	1	journal	journal	PROPN
fsr-3555	259	2	of	of	ADP
fsr-3555	259	3	economic	economic	ADJ
fsr-3555	259	4	psychology	psychology	NOUN
fsr-3555	259	5	,	,	PUNCT
fsr-3555	259	6	54	54	NUM
fsr-3555	259	7	,	,	PUNCT
fsr-3555	259	8	85	85	NUM
fsr-3555	259	9	-	-	SYM
fsr-3555	259	10	99	99	NUM
fsr-3555	259	11	.	.	PUNCT
fsr-3555	260	1	https://doi.org/10.1016/j.joep.2015.07.0	https://doi.org/10.1016/j.joep.2015.07.0	PROPN
fsr-3555	260	2	01	01	NUM
fsr-3555	260	3	field	field	NOUN
fsr-3555	260	4	,	,	PUNCT
fsr-3555	260	5	a.	a.	NOUN
fsr-3555	260	6	(	(	PUNCT
fsr-3555	260	7	2013	2013	NUM
fsr-3555	260	8	)	)	PUNCT
fsr-3555	260	9	.	.	PUNCT
fsr-3555	261	1	discovering	discover	VERB
fsr-3555	261	2	statistics	statistic	NOUN
fsr-3555	261	3	using	use	VERB
fsr-3555	261	4	ibm	ibm	PROPN
fsr-3555	261	5	spss	spss	PROPN
fsr-3555	261	6	statistics	statistic	NOUN
fsr-3555	261	7	.	.	PUNCT
fsr-3555	262	1	sage	sage	NOUN
fsr-3555	262	2	.	.	PUNCT
fsr-3555	263	1	foroughi	foroughi	PROPN
fsr-3555	263	2	,	,	PUNCT
fsr-3555	263	3	a.	a.	PROPN
fsr-3555	263	4	,	,	PUNCT
fsr-3555	263	5	buang	buang	PROPN
fsr-3555	263	6	,	,	PUNCT
fsr-3555	263	7	n.	n.	PROPN
fsr-3555	263	8	a.	a.	PROPN
fsr-3555	263	9	,	,	PUNCT
fsr-3555	263	10	&	&	CCONJ
fsr-3555	263	11	sadeghi	sadeghi	PROPN
fsr-3555	263	12	,	,	PUNCT
fsr-3555	263	13	r.	r.	PROPN
fsr-3555	263	14	h.	h.	PROPN
fsr-3555	263	15	m.	m.	PROPN
fsr-3555	263	16	(	(	PUNCT
fsr-3555	263	17	2012	2012	NUM
fsr-3555	263	18	)	)	PUNCT
fsr-3555	263	19	.	.	PUNCT
fsr-3555	264	1	exploring	explore	VERB
fsr-3555	264	2	the	the	DET
fsr-3555	264	3	influence	influence	NOUN
fsr-3555	264	4	of	of	ADP
fsr-3555	264	5	situational	situational	ADJ
fsr-3555	264	6	factors	factor	NOUN
fsr-3555	264	7	(	(	PUNCT
fsr-3555	264	8	money	money	NOUN
fsr-3555	264	9	&	&	CCONJ
fsr-3555	264	10	time	time	NOUN
fsr-3555	264	11	available	available	ADJ
fsr-3555	264	12	)	)	PUNCT
fsr-3555	264	13	on	on	ADP
fsr-3555	264	14	impulse	impulse	ADJ
fsr-3555	264	15	buying	buying	NOUN
fsr-3555	264	16	behaviour	behaviour	NOUN
fsr-3555	264	17	among	among	ADP
fsr-3555	264	18	different	different	ADJ
fsr-3555	264	19	ethics	ethic	NOUN
fsr-3555	264	20	.	.	PUNCT
fsr-3555	265	1	international	international	ADJ
fsr-3555	265	2	journal	journal	PROPN
fsr-3555	265	3	of	of	ADP
fsr-3555	265	4	fundamental	fundamental	ADJ
fsr-3555	265	5	psychology	psychology	NOUN
fsr-3555	265	6	&	&	CCONJ
fsr-3555	265	7	social	social	ADJ
fsr-3555	265	8	sciences	science	NOUN
fsr-3555	265	9	,	,	PUNCT
fsr-3555	265	10	2(2	2(2	NUM
fsr-3555	265	11	)	)	PUNCT
fsr-3555	265	12	,	,	PUNCT
fsr-3555	265	13	41	41	NUM
fsr-3555	265	14	-	-	SYM
fsr-3555	265	15	44	44	NUM
fsr-3555	265	16	.	.	PUNCT
fsr-3555	266	1	furrebøe	furrebøe	PROPN
fsr-3555	266	2	,	,	PUNCT
fsr-3555	266	3	e.	e.	PROPN
fsr-3555	266	4	f.	f.	PROPN
fsr-3555	266	5	,	,	PUNCT
fsr-3555	266	6	&	&	CCONJ
fsr-3555	266	7	nyhus	nyhus	PROPN
fsr-3555	266	8	,	,	PUNCT
fsr-3555	266	9	e.	e.	PROPN
fsr-3555	266	10	k.	k.	PROPN
fsr-3555	266	11	(	(	PUNCT
fsr-3555	266	12	2022	2022	NUM
fsr-3555	266	13	)	)	PUNCT
fsr-3555	266	14	.	.	PUNCT
fsr-3555	267	1	financial	financial	ADJ
fsr-3555	267	2	self‐,efficacy	self‐,efficacy	NOUN
fsr-3555	267	3	,	,	PUNCT
fsr-3555	267	4	financial	financial	ADJ
fsr-3555	267	5	literacy	literacy	NOUN
fsr-3555	267	6	,	,	PUNCT
fsr-3555	267	7	and	and	CCONJ
fsr-3555	267	8	gender	gender	NOUN
fsr-3555	267	9	:	:	PUNCT
fsr-3555	267	10	a	a	DET
fsr-3555	267	11	review	review	NOUN
fsr-3555	267	12	.	.	PUNCT
fsr-3555	268	1	journal	journal	PROPN
fsr-3555	268	2	of	of	ADP
fsr-3555	268	3	consumer	consumer	NOUN
fsr-3555	268	4	affairs	affair	NOUN
fsr-3555	268	5	,	,	PUNCT
fsr-3555	268	6	56(2	56(2	ADJ
fsr-3555	268	7	)	)	PUNCT
fsr-3555	268	8	,	,	PUNCT
fsr-3555	268	9	743	743	NUM
fsr-3555	268	10	-	-	SYM
fsr-3555	268	11	765	765	NUM
fsr-3555	268	12	.	.	PUNCT
fsr-3555	269	1	https://doi.org/10.1111/joca.12436	https://doi.org/10.1111/joca.12436	X
fsr-3555	269	2	garman	garman	PROPN
fsr-3555	269	3	,	,	PUNCT
fsr-3555	269	4	e.	e.	PROPN
fsr-3555	269	5	t.	t.	PROPN
fsr-3555	269	6	,	,	PUNCT
fsr-3555	269	7	&	&	CCONJ
fsr-3555	269	8	forgue	forgue	PROPN
fsr-3555	269	9	,	,	PUNCT
fsr-3555	269	10	r.	r.	PROPN
fsr-3555	269	11	(	(	PUNCT
fsr-3555	269	12	2014	2014	NUM
fsr-3555	269	13	)	)	PUNCT
fsr-3555	269	14	.	.	PUNCT
fsr-3555	270	1	personal	personal	ADJ
fsr-3555	270	2	finance	finance	NOUN
fsr-3555	270	3	.	.	PUNCT
fsr-3555	271	1	cengage	cengage	PROPN
fsr-3555	271	2	learning	learning	PROPN
fsr-3555	271	3	.	.	PUNCT
fsr-3555	272	1	goyal	goyal	PROPN
fsr-3555	272	2	,	,	PUNCT
fsr-3555	272	3	k.	k.	PROPN
fsr-3555	272	4	,	,	PUNCT
fsr-3555	272	5	kumar	kumar	PROPN
fsr-3555	272	6	,	,	PUNCT
fsr-3555	272	7	s.	s.	PROPN
fsr-3555	272	8	,	,	PUNCT
fsr-3555	272	9	xiao	xiao	PROPN
fsr-3555	272	10	,	,	PUNCT
fsr-3555	272	11	j.	j.	PROPN
fsr-3555	272	12	j.	j.	PROPN
fsr-3555	272	13	,	,	PUNCT
fsr-3555	272	14	&	&	CCONJ
fsr-3555	272	15	colombage	colombage	PROPN
fsr-3555	272	16	,	,	PUNCT
fsr-3555	272	17	s.	s.	PROPN
fsr-3555	272	18	(	(	PUNCT
fsr-3555	272	19	2022	2022	NUM
fsr-3555	272	20	)	)	PUNCT
fsr-3555	272	21	.	.	PUNCT
fsr-3555	273	1	the	the	DET
fsr-3555	273	2	psychological	psychological	ADJ
fsr-3555	273	3	antecedents	antecedent	NOUN
fsr-3555	273	4	of	of	ADP
fsr-3555	273	5	personal	personal	ADJ
fsr-3555	273	6	financial	financial	ADJ
fsr-3555	273	7	management	management	NOUN
fsr-3555	273	8	behavior	behavior	NOUN
fsr-3555	273	9	:	:	PUNCT
fsr-3555	273	10	a	a	DET
fsr-3555	273	11	meta	meta	ADJ
fsr-3555	273	12	-	-	PUNCT
fsr-3555	273	13	analysis	analysis	NOUN
fsr-3555	273	14	.	.	PUNCT
fsr-3555	274	1	international	international	ADJ
fsr-3555	274	2	journal	journal	NOUN
fsr-3555	274	3	of	of	ADP
fsr-3555	274	4	bank	bank	PROPN
fsr-3555	274	5	marketing	marketing	NOUN
fsr-3555	274	6	,	,	PUNCT
fsr-3555	274	7	40(7	40(7	NOUN
fsr-3555	274	8	)	)	PUNCT
fsr-3555	274	9	,	,	PUNCT
fsr-3555	274	10	14131451	14131451	NUM
fsr-3555	274	11	.	.	PUNCT
fsr-3555	275	1	https://doi.org/10.1108/ijbm-022022-0088	https://doi.org/10.1108/ijbm-022022-0088	PROPN
fsr-3555	275	2	grable	grable	PROPN
fsr-3555	275	3	,	,	PUNCT
fsr-3555	275	4	j.	j.	PROPN
fsr-3555	275	5	e.	e.	PROPN
fsr-3555	275	6	(	(	PUNCT
fsr-3555	275	7	2000	2000	NUM
fsr-3555	275	8	)	)	PUNCT
fsr-3555	275	9	.	.	PUNCT
fsr-3555	276	1	financial	financial	ADJ
fsr-3555	276	2	risk	risk	NOUN
fsr-3555	276	3	tolerance	tolerance	NOUN
fsr-3555	276	4	and	and	CCONJ
fsr-3555	276	5	additional	additional	ADJ
fsr-3555	276	6	factors	factor	NOUN
fsr-3555	276	7	that	that	PRON
fsr-3555	276	8	affect	affect	VERB
fsr-3555	276	9	risk	risk	NOUN
fsr-3555	276	10	taking	take	VERB
fsr-3555	276	11	in	in	ADP
fsr-3555	276	12	everyday	everyday	ADJ
fsr-3555	276	13	money	money	NOUN
fsr-3555	276	14	matters	matter	NOUN
fsr-3555	276	15	.	.	PUNCT
fsr-3555	277	1	journal	journal	NOUN
fsr-3555	277	2	of	of	ADP
fsr-3555	277	3	business	business	NOUN
fsr-3555	277	4	and	and	CCONJ
fsr-3555	277	5	psychology	psychology	NOUN
fsr-3555	277	6	,	,	PUNCT
fsr-3555	277	7	14	14	NUM
fsr-3555	277	8	,	,	PUNCT
fsr-3555	277	9	625	625	NUM
fsr-3555	277	10	-	-	SYM
fsr-3555	277	11	630	630	NUM
fsr-3555	277	12	.	.	PUNCT
fsr-3555	278	1	https://doi.org/10.1023/a:10229943149	https://doi.org/10.1023/a:10229943149	PROPN
fsr-3555	278	2	82	82	NUM
fsr-3555	278	3	grable	grable	PROPN
fsr-3555	278	4	,	,	PUNCT
fsr-3555	278	5	j.	j.	PROPN
fsr-3555	278	6	e.	e.	PROPN
fsr-3555	278	7	(	(	PUNCT
fsr-3555	278	8	2016	2016	NUM
fsr-3555	278	9	)	)	PUNCT
fsr-3555	278	10	.	.	PUNCT
fsr-3555	279	1	financial	financial	ADJ
fsr-3555	279	2	risk	risk	NOUN
fsr-3555	279	3	tolerance	tolerance	NOUN
fsr-3555	279	4	.	.	PUNCT
fsr-3555	280	1	handbook	handbook	NOUN
fsr-3555	280	2	of	of	ADP
fsr-3555	280	3	consumer	consumer	NOUN
fsr-3555	280	4	finance	finance	NOUN
fsr-3555	280	5	research	research	NOUN
fsr-3555	280	6	,	,	PUNCT
fsr-3555	280	7	19	19	NUM
fsr-3555	280	8	-	-	SYM
fsr-3555	280	9	31	31	NUM
fsr-3555	280	10	.	.	PUNCT
fsr-3555	281	1	https://doi.org/10.1007/978-3-31928887-1_2	https://doi.org/10.1007/978-3-31928887-1_2	PROPN
fsr-3555	281	2	gruijters	gruijter	NOUN
fsr-3555	281	3	,	,	PUNCT
fsr-3555	281	4	r.	r.	PROPN
fsr-3555	281	5	j.	j.	PROPN
fsr-3555	281	6	(	(	PUNCT
fsr-3555	281	7	2017	2017	NUM
fsr-3555	281	8	)	)	PUNCT
fsr-3555	281	9	.	.	PUNCT
fsr-3555	282	1	intergenerational	intergenerational	ADJ
fsr-3555	282	2	contact	contact	NOUN
fsr-3555	282	3	in	in	ADP
fsr-3555	282	4	chinese	chinese	ADJ
fsr-3555	282	5	families	family	NOUN
fsr-3555	282	6	:	:	PUNCT
fsr-3555	282	7	structural	structural	ADJ
fsr-3555	282	8	and	and	CCONJ
fsr-3555	282	9	cultural	cultural	ADJ
fsr-3555	282	10	explanations	explanation	NOUN
fsr-3555	282	11	.	.	PUNCT
fsr-3555	283	1	journal	journal	NOUN
fsr-3555	283	2	of	of	ADP
fsr-3555	283	3	marriage	marriage	NOUN
fsr-3555	283	4	and	and	CCONJ
fsr-3555	283	5	family	family	NOUN
fsr-3555	283	6	,	,	PUNCT
fsr-3555	283	7	79(3	79(3	NUM
fsr-3555	283	8	)	)	PUNCT
fsr-3555	283	9	,	,	PUNCT
fsr-3555	283	10	758	758	NUM
fsr-3555	283	11	-	-	SYM
fsr-3555	283	12	768	768	NUM
fsr-3555	283	13	.	.	PUNCT
fsr-3555	284	1	https://doi.org/10.1111/jomf.12390	https://doi.org/10.1111/jomf.12390	ADJ
fsr-3555	284	2	https://doi.org/10.1108/ijbm-10-2019-0356	https://doi.org/10.1108/ijbm-10-2019-0356	PROPN
fsr-3555	284	3	https://doi.org/10.1108/ijbm-10-2019-0356	https://doi.org/10.1108/ijbm-10-2019-0356	VERB
fsr-3555	284	4	https://doi.org/10.1177/2158244020945717	https://doi.org/10.1177/2158244020945717	PRON
fsr-3555	284	5	https://doi.org/10.1177/2158244020945717	https://doi.org/10.1177/2158244020945717	PART
fsr-3555	284	6	https://doi.org/10.1111/ijcs.12558	https://doi.org/10.1111/ijcs.12558	NOUN
fsr-3555	284	7	https://psycnet.apa.org/doi/10.1037/0278-6133.22.1.106	https://psycnet.apa.org/doi/10.1037/0278-6133.22.1.106	ADV
fsr-3555	284	8	https://psycnet.apa.org/doi/10.1037/0278-6133.22.1.106	https://psycnet.apa.org/doi/10.1037/0278-6133.22.1.106	ADV
fsr-3555	284	9	https://doi.org/10.1016/j.joep.2010.06.002	https://doi.org/10.1016/j.joep.2010.06.002	ADJ
fsr-3555	284	10	https://doi.org/10.1016/j.joep.2010.06.002	https://doi.org/10.1016/j.joep.2010.06.002	NOUN
fsr-3555	284	11	https://doi.org/10.1111/ijcs.12859	https://doi.org/10.1111/ijcs.12859	VERB
fsr-3555	284	12	https://doi.org/10.1016/j.joep.2015.07.001	https://doi.org/10.1016/j.joep.2015.07.001	NOUN
fsr-3555	284	13	https://doi.org/10.1016/j.joep.2015.07.001	https://doi.org/10.1016/j.joep.2015.07.001	VERB
fsr-3555	284	14	https://doi.org/10.1111/joca.12436	https://doi.org/10.1111/joca.12436	NOUN
fsr-3555	284	15	https://doi.org/10.1108/ijbm-02-2022-0088	https://doi.org/10.1108/ijbm-02-2022-0088	NOUN
fsr-3555	284	16	https://doi.org/10.1108/ijbm-02-2022-0088	https://doi.org/10.1108/ijbm-02-2022-0088	NOUN
fsr-3555	285	1	https://doi.org/10.1023/a:1022994314982	https://doi.org/10.1023/a:1022994314982	PROPN
fsr-3555	285	2	https://doi.org/10.1023/a:1022994314982	https://doi.org/10.1023/a:1022994314982	PROPN
fsr-3555	285	3	https://doi.org/10.1007/978-3-319-28887-1_2	https://doi.org/10.1007/978-3-319-28887-1_2	PROPN
fsr-3555	285	4	https://doi.org/10.1007/978-3-319-28887-1_2	https://doi.org/10.1007/978-3-319-28887-1_2	X
fsr-3555	286	1	https://doi.org/10.1111/jomf.12390	https://doi.org/10.1111/jomf.12390	ADJ
fsr-3555	286	2	financial	financial	PROPN
fsr-3555	286	3	services	service	NOUN
fsr-3555	286	4	review	review	NOUN
fsr-3555	286	5	,	,	PUNCT
fsr-3555	286	6	32(2	32(2	NUM
fsr-3555	286	7	)	)	PUNCT
fsr-3555	286	8	90	90	NUM
fsr-3555	286	9	gustman	gustman	NOUN
fsr-3555	286	10	,	,	PUNCT
fsr-3555	286	11	a.	a.	PROPN
fsr-3555	286	12	l.	l.	PROPN
fsr-3555	286	13	,	,	PUNCT
fsr-3555	286	14	&	&	CCONJ
fsr-3555	286	15	steinmeier	steinmeier	PROPN
fsr-3555	286	16	,	,	PUNCT
fsr-3555	286	17	t.	t.	PROPN
fsr-3555	286	18	l.	l.	PROPN
fsr-3555	286	19	(	(	PUNCT
fsr-3555	286	20	2001	2001	NUM
fsr-3555	286	21	)	)	PUNCT
fsr-3555	286	22	.	.	PUNCT
fsr-3555	287	1	imperfect	imperfect	ADJ
fsr-3555	287	2	knowledge	knowledge	NOUN
fsr-3555	287	3	,	,	PUNCT
fsr-3555	287	4	retirement	retirement	NOUN
fsr-3555	287	5	and	and	CCONJ
fsr-3555	287	6	saving	saving	NOUN
fsr-3555	287	7	.	.	PUNCT
fsr-3555	288	1	in	in	ADP
fsr-3555	288	2	:	:	PUNCT
fsr-3555	288	3	national	national	ADJ
fsr-3555	288	4	bureau	bureau	PROPN
fsr-3555	288	5	of	of	ADP
fsr-3555	288	6	economic	economic	PROPN
fsr-3555	288	7	research	research	PROPN
fsr-3555	288	8	cambridge	cambridge	PROPN
fsr-3555	288	9	,	,	PUNCT
fsr-3555	288	10	mass	mass	PROPN
fsr-3555	288	11	.	.	PROPN
fsr-3555	288	12	,	,	PUNCT
fsr-3555	288	13	usa	usa	PROPN
fsr-3555	288	14	.	.	PROPN
fsr-3555	288	15	hair	hair	PROPN
fsr-3555	288	16	jr	jr	PROPN
fsr-3555	288	17	,	,	PUNCT
fsr-3555	288	18	j.	j.	PROPN
fsr-3555	288	19	f.	f.	PROPN
fsr-3555	288	20	,	,	PUNCT
fsr-3555	288	21	sarstedt	sarstedt	NOUN
fsr-3555	288	22	,	,	PUNCT
fsr-3555	288	23	m.	m.	NOUN
fsr-3555	288	24	,	,	PUNCT
fsr-3555	288	25	hopkins	hopkins	PROPN
fsr-3555	288	26	,	,	PUNCT
fsr-3555	288	27	l.	l.	PROPN
fsr-3555	288	28	,	,	PUNCT
fsr-3555	288	29	&	&	CCONJ
fsr-3555	288	30	kuppelwieser	kuppelwieser	PROPN
fsr-3555	288	31	,	,	PUNCT
fsr-3555	288	32	v.	v.	PROPN
fsr-3555	288	33	g.	g.	PROPN
fsr-3555	288	34	(	(	PUNCT
fsr-3555	288	35	2014	2014	NUM
fsr-3555	288	36	)	)	PUNCT
fsr-3555	288	37	.	.	PUNCT
fsr-3555	289	1	partial	partial	ADJ
fsr-3555	289	2	least	least	ADJ
fsr-3555	289	3	squares	square	VERB
fsr-3555	289	4	structural	structural	ADJ
fsr-3555	289	5	equation	equation	NOUN
fsr-3555	289	6	modeling	modeling	NOUN
fsr-3555	289	7	(	(	PUNCT
fsr-3555	289	8	pls	pls	INTJ
fsr-3555	289	9	-	-	PUNCT
fsr-3555	289	10	sem	sem	NOUN
fsr-3555	289	11	):	):	PUNCT
fsr-3555	289	12	an	an	DET
fsr-3555	289	13	emerging	emerge	VERB
fsr-3555	289	14	tool	tool	NOUN
fsr-3555	289	15	in	in	ADP
fsr-3555	289	16	business	business	NOUN
fsr-3555	289	17	research	research	NOUN
fsr-3555	289	18	.	.	PUNCT
fsr-3555	290	1	european	european	PROPN
fsr-3555	290	2	business	business	PROPN
fsr-3555	290	3	review	review	PROPN
fsr-3555	290	4	,	,	PUNCT
fsr-3555	290	5	26(2	26(2	NUM
fsr-3555	290	6	)	)	PUNCT
fsr-3555	290	7	,	,	PUNCT
fsr-3555	290	8	106	106	NUM
fsr-3555	290	9	-	-	SYM
fsr-3555	290	10	121	121	NUM
fsr-3555	290	11	.	.	PUNCT
fsr-3555	291	1	https://doi.org/10.1108/ebr-10-20130128	https://doi.org/10.1108/ebr-10-20130128	PROPN
fsr-3555	292	1	harahap	harahap	PROPN
fsr-3555	292	2	,	,	PUNCT
fsr-3555	292	3	s.	s.	PROPN
fsr-3555	292	4	,	,	PUNCT
fsr-3555	292	5	thoyib	thoyib	NOUN
fsr-3555	292	6	,	,	PUNCT
fsr-3555	292	7	a.	a.	NOUN
fsr-3555	292	8	,	,	PUNCT
fsr-3555	292	9	sumiati	sumiati	PROPN
fsr-3555	292	10	,	,	PUNCT
fsr-3555	292	11	s.	s.	PROPN
fsr-3555	292	12	,	,	PUNCT
fsr-3555	292	13	&	&	CCONJ
fsr-3555	292	14	djazuli	djazuli	PROPN
fsr-3555	292	15	,	,	PUNCT
fsr-3555	292	16	a.	a.	NOUN
fsr-3555	292	17	(	(	PUNCT
fsr-3555	292	18	2022	2022	NUM
fsr-3555	292	19	)	)	PUNCT
fsr-3555	292	20	.	.	PUNCT
fsr-3555	293	1	the	the	DET
fsr-3555	293	2	impact	impact	NOUN
fsr-3555	293	3	of	of	ADP
fsr-3555	293	4	financial	financial	ADJ
fsr-3555	293	5	literacy	literacy	NOUN
fsr-3555	293	6	on	on	ADP
fsr-3555	293	7	retirement	retirement	NOUN
fsr-3555	293	8	planning	planning	NOUN
fsr-3555	293	9	with	with	ADP
fsr-3555	293	10	serial	serial	ADJ
fsr-3555	293	11	mediation	mediation	NOUN
fsr-3555	293	12	of	of	ADP
fsr-3555	293	13	financial	financial	ADJ
fsr-3555	293	14	risk	risk	NOUN
fsr-3555	293	15	tolerance	tolerance	NOUN
fsr-3555	293	16	and	and	CCONJ
fsr-3555	293	17	saving	save	VERB
fsr-3555	293	18	behavior	behavior	NOUN
fsr-3555	293	19	:	:	PUNCT
fsr-3555	293	20	evidence	evidence	NOUN
fsr-3555	293	21	of	of	ADP
fsr-3555	293	22	medium	medium	ADJ
fsr-3555	293	23	entrepreneurs	entrepreneur	NOUN
fsr-3555	293	24	in	in	ADP
fsr-3555	293	25	indonesia	indonesia	PROPN
fsr-3555	293	26	.	.	PUNCT
fsr-3555	294	1	international	international	ADJ
fsr-3555	294	2	journal	journal	PROPN
fsr-3555	294	3	of	of	ADP
fsr-3555	294	4	financial	financial	ADJ
fsr-3555	294	5	studies	study	NOUN
fsr-3555	294	6	,	,	PUNCT
fsr-3555	294	7	10(3	10(3	NUM
fsr-3555	294	8	)	)	PUNCT
fsr-3555	294	9	,	,	PUNCT
fsr-3555	294	10	66	66	NUM
fsr-3555	294	11	-	-	SYM
fsr-3555	294	12	81	81	NUM
fsr-3555	294	13	.	.	PUNCT
fsr-3555	295	1	https://doi.org/10.3390/ijfs10030066	https://doi.org/10.3390/ijfs10030066	PROPN
fsr-3555	295	2	herrador	herrador	NOUN
fsr-3555	295	3	-	-	PUNCT
fsr-3555	295	4	alcaide	alcaide	ADJ
fsr-3555	295	5	,	,	PUNCT
fsr-3555	295	6	t.	t.	PROPN
fsr-3555	295	7	c.	c.	PROPN
fsr-3555	295	8	,	,	PUNCT
fsr-3555	295	9	hernández	hernández	PROPN
fsr-3555	295	10	-	-	PUNCT
fsr-3555	295	11	solís	solís	NOUN
fsr-3555	295	12	,	,	PUNCT
fsr-3555	295	13	m.	m.	NOUN
fsr-3555	295	14	,	,	PUNCT
fsr-3555	295	15	&	&	CCONJ
fsr-3555	295	16	topa	topa	PROPN
fsr-3555	295	17	,	,	PUNCT
fsr-3555	295	18	g.	g.	PROPN
fsr-3555	295	19	(	(	PUNCT
fsr-3555	295	20	2021	2021	NUM
fsr-3555	295	21	)	)	PUNCT
fsr-3555	295	22	.	.	PUNCT
fsr-3555	296	1	a	a	DET
fsr-3555	296	2	model	model	NOUN
fsr-3555	296	3	for	for	ADP
fsr-3555	296	4	personal	personal	ADJ
fsr-3555	296	5	financial	financial	ADJ
fsr-3555	296	6	planning	planning	NOUN
fsr-3555	296	7	towards	towards	ADP
fsr-3555	296	8	retirement	retirement	NOUN
fsr-3555	296	9	.	.	PUNCT
fsr-3555	297	1	journal	journal	PROPN
fsr-3555	297	2	of	of	ADP
fsr-3555	297	3	business	business	NOUN
fsr-3555	297	4	economics	economic	NOUN
fsr-3555	297	5	and	and	CCONJ
fsr-3555	297	6	management	management	NOUN
fsr-3555	297	7	,	,	PUNCT
fsr-3555	297	8	22(2	22(2	NUM
fsr-3555	297	9	)	)	PUNCT
fsr-3555	297	10	,	,	PUNCT
fsr-3555	297	11	482	482	NUM
fsr-3555	297	12	-	-	SYM
fsr-3555	297	13	502	502	NUM
fsr-3555	297	14	.	.	PUNCT
fsr-3555	298	1	https://doi.org/10.3846/jbem.2020.1397	https://doi.org/10.3846/jbem.2020.1397	PROPN
fsr-3555	298	2	8	8	NUM
fsr-3555	298	3	hibbert	hibbert	NOUN
fsr-3555	298	4	,	,	PUNCT
fsr-3555	298	5	a.	a.	NOUN
fsr-3555	298	6	m.	m.	NOUN
fsr-3555	298	7	,	,	PUNCT
fsr-3555	298	8	lawrence	lawrence	PROPN
fsr-3555	298	9	,	,	PUNCT
fsr-3555	298	10	e.	e.	PROPN
fsr-3555	298	11	r.	r.	PROPN
fsr-3555	298	12	,	,	PUNCT
fsr-3555	298	13	&	&	CCONJ
fsr-3555	298	14	prakash	prakash	PROPN
fsr-3555	298	15	,	,	PUNCT
fsr-3555	298	16	a.	a.	PROPN
fsr-3555	298	17	j.	j.	PROPN
fsr-3555	298	18	(	(	PUNCT
fsr-3555	298	19	2012	2012	NUM
fsr-3555	298	20	)	)	PUNCT
fsr-3555	298	21	.	.	PUNCT
fsr-3555	299	1	the	the	DET
fsr-3555	299	2	role	role	NOUN
fsr-3555	299	3	of	of	ADP
fsr-3555	299	4	financial	financial	ADJ
fsr-3555	299	5	education	education	NOUN
fsr-3555	299	6	in	in	ADP
fsr-3555	299	7	the	the	DET
fsr-3555	299	8	management	management	NOUN
fsr-3555	299	9	of	of	ADP
fsr-3555	299	10	retirement	retirement	NOUN
fsr-3555	299	11	savings	saving	NOUN
fsr-3555	299	12	.	.	PUNCT
fsr-3555	300	1	journal	journal	NOUN
fsr-3555	300	2	of	of	ADP
fsr-3555	300	3	behavioral	behavioral	ADJ
fsr-3555	300	4	finance	finance	NOUN
fsr-3555	300	5	,	,	PUNCT
fsr-3555	300	6	13(4	13(4	NUM
fsr-3555	300	7	)	)	PUNCT
fsr-3555	300	8	,	,	PUNCT
fsr-3555	300	9	299	299	NUM
fsr-3555	300	10	-	-	SYM
fsr-3555	300	11	307	307	NUM
fsr-3555	300	12	.	.	PUNCT
fsr-3555	301	1	https://doi.org/10.1080/15427560.2012	https://doi.org/10.1080/15427560.2012	NOUN
fsr-3555	301	2	.	.	PUNCT
fsr-3555	302	1	735727	735727	NUM
fsr-3555	302	2	jacobs	jacobs	PROPN
fsr-3555	302	3	-	-	PUNCT
fsr-3555	302	4	lawson	lawson	PROPN
fsr-3555	302	5	,	,	PUNCT
fsr-3555	302	6	j.	j.	PROPN
fsr-3555	302	7	m.	m.	PROPN
fsr-3555	302	8	,	,	PUNCT
fsr-3555	302	9	&	&	CCONJ
fsr-3555	302	10	hershey	hershey	PROPN
fsr-3555	302	11	,	,	PUNCT
fsr-3555	302	12	d.	d.	PROPN
fsr-3555	302	13	a.	a.	PROPN
fsr-3555	302	14	(	(	PUNCT
fsr-3555	302	15	2005	2005	NUM
fsr-3555	302	16	)	)	PUNCT
fsr-3555	302	17	.	.	PUNCT
fsr-3555	303	1	influence	influence	NOUN
fsr-3555	303	2	of	of	ADP
fsr-3555	303	3	future	future	ADJ
fsr-3555	303	4	time	time	NOUN
fsr-3555	303	5	perspective	perspective	NOUN
fsr-3555	303	6	,	,	PUNCT
fsr-3555	303	7	financial	financial	ADJ
fsr-3555	303	8	knowledge	knowledge	NOUN
fsr-3555	303	9	,	,	PUNCT
fsr-3555	303	10	and	and	CCONJ
fsr-3555	303	11	financial	financial	ADJ
fsr-3555	303	12	risk	risk	NOUN
fsr-3555	303	13	tolerance	tolerance	NOUN
fsr-3555	303	14	on	on	ADP
fsr-3555	303	15	retirement	retirement	NOUN
fsr-3555	303	16	saving	saving	NOUN
fsr-3555	303	17	behaviors	behavior	NOUN
fsr-3555	303	18	.	.	PUNCT
fsr-3555	304	1	financial	financial	ADJ
fsr-3555	304	2	services	service	NOUN
fsr-3555	304	3	review	review	PROPN
fsr-3555	304	4	,	,	PUNCT
fsr-3555	304	5	14(4	14(4	NUM
fsr-3555	304	6	)	)	PUNCT
fsr-3555	304	7	,	,	PUNCT
fsr-3555	304	8	331344	331344	NUM
fsr-3555	304	9	.	.	PUNCT
fsr-3555	305	1	joo	joo	PROPN
fsr-3555	305	2	,	,	PUNCT
fsr-3555	305	3	s.	s.	PROPN
fsr-3555	305	4	h.	h.	PROPN
fsr-3555	305	5	,	,	PUNCT
fsr-3555	305	6	&	&	CCONJ
fsr-3555	305	7	grable	grable	PROPN
fsr-3555	305	8	,	,	PUNCT
fsr-3555	305	9	j.	j.	PROPN
fsr-3555	305	10	e.	e.	PROPN
fsr-3555	305	11	(	(	PUNCT
fsr-3555	305	12	2004	2004	NUM
fsr-3555	305	13	)	)	PUNCT
fsr-3555	305	14	.	.	PUNCT
fsr-3555	306	1	an	an	DET
fsr-3555	306	2	exploratory	exploratory	ADJ
fsr-3555	306	3	framework	framework	NOUN
fsr-3555	306	4	of	of	ADP
fsr-3555	306	5	the	the	DET
fsr-3555	306	6	determinants	determinant	NOUN
fsr-3555	306	7	of	of	ADP
fsr-3555	306	8	financial	financial	ADJ
fsr-3555	306	9	satisfaction	satisfaction	NOUN
fsr-3555	306	10	.	.	PUNCT
fsr-3555	307	1	journal	journal	NOUN
fsr-3555	307	2	of	of	ADP
fsr-3555	307	3	family	family	NOUN
fsr-3555	307	4	and	and	CCONJ
fsr-3555	307	5	economic	economic	ADJ
fsr-3555	307	6	issues	issue	NOUN
fsr-3555	307	7	,	,	PUNCT
fsr-3555	307	8	25	25	NUM
fsr-3555	307	9	,	,	PUNCT
fsr-3555	307	10	25	25	NUM
fsr-3555	307	11	-	-	SYM
fsr-3555	307	12	50	50	NUM
fsr-3555	307	13	.	.	PUNCT
fsr-3555	308	1	joo	joo	NOUN
fsr-3555	308	2	,	,	PUNCT
fsr-3555	308	3	s.-h	s.-h	PROPN
fsr-3555	308	4	.	.	PROPN
fsr-3555	308	5	,	,	PUNCT
fsr-3555	308	6	&	&	CCONJ
fsr-3555	308	7	grable	grable	PROPN
fsr-3555	308	8	,	,	PUNCT
fsr-3555	308	9	j.	j.	PROPN
fsr-3555	308	10	e.	e.	PROPN
fsr-3555	308	11	(	(	PUNCT
fsr-3555	308	12	2005	2005	NUM
fsr-3555	308	13	)	)	PUNCT
fsr-3555	308	14	.	.	PUNCT
fsr-3555	309	1	employee	employee	NOUN
fsr-3555	309	2	education	education	NOUN
fsr-3555	309	3	and	and	CCONJ
fsr-3555	309	4	the	the	DET
fsr-3555	309	5	likelihood	likelihood	NOUN
fsr-3555	309	6	of	of	ADP
fsr-3555	309	7	having	have	VERB
fsr-3555	309	8	a	a	DET
fsr-3555	309	9	retirement	retirement	NOUN
fsr-3555	309	10	savings	saving	NOUN
fsr-3555	309	11	program	program	NOUN
fsr-3555	309	12	.	.	PUNCT
fsr-3555	310	1	journal	journal	PROPN
fsr-3555	310	2	of	of	ADP
fsr-3555	310	3	financial	financial	ADJ
fsr-3555	310	4	counseling	counseling	NOUN
fsr-3555	310	5	and	and	CCONJ
fsr-3555	310	6	planning	planning	NOUN
fsr-3555	310	7	,	,	PUNCT
fsr-3555	310	8	16(1	16(1	NUM
fsr-3555	310	9	)	)	PUNCT
fsr-3555	310	10	,	,	PUNCT
fsr-3555	310	11	37	37	NUM
fsr-3555	310	12	-	-	SYM
fsr-3555	310	13	49	49	NUM
fsr-3555	310	14	.	.	PUNCT
fsr-3555	311	1	https://ssrn.com/abstract=2255072	https://ssrn.com/abstract=2255072	PROPN
fsr-3555	311	2	kimiyaghalam	kimiyaghalam	PROPN
fsr-3555	311	3	,	,	PUNCT
fsr-3555	311	4	f.	f.	PROPN
fsr-3555	311	5	,	,	PUNCT
fsr-3555	311	6	mansori	mansori	NOUN
fsr-3555	311	7	,	,	PUNCT
fsr-3555	311	8	s.	s.	PROPN
fsr-3555	311	9	,	,	PUNCT
fsr-3555	311	10	safari	safari	NOUN
fsr-3555	311	11	,	,	PUNCT
fsr-3555	311	12	m.	m.	NOUN
fsr-3555	311	13	,	,	PUNCT
fsr-3555	311	14	&	&	CCONJ
fsr-3555	311	15	yap	yap	PROPN
fsr-3555	311	16	,	,	PUNCT
fsr-3555	311	17	s.	s.	PROPN
fsr-3555	311	18	(	(	PUNCT
fsr-3555	311	19	2017	2017	NUM
fsr-3555	311	20	)	)	PUNCT
fsr-3555	311	21	.	.	PUNCT
fsr-3555	312	1	parents	parent	NOUN
fsr-3555	312	2	'	'	PART
fsr-3555	312	3	influence	influence	NOUN
fsr-3555	312	4	on	on	ADP
fsr-3555	312	5	retirement	retirement	NOUN
fsr-3555	312	6	planning	planning	NOUN
fsr-3555	312	7	in	in	ADP
fsr-3555	312	8	malaysia	malaysia	PROPN
fsr-3555	312	9	.	.	PUNCT
fsr-3555	313	1	family	family	NOUN
fsr-3555	313	2	and	and	CCONJ
fsr-3555	313	3	consumer	consumer	NOUN
fsr-3555	313	4	sciences	sciences	PROPN
fsr-3555	313	5	research	research	NOUN
fsr-3555	313	6	journal	journal	NOUN
fsr-3555	313	7	,	,	PUNCT
fsr-3555	313	8	45(3	45(3	NUM
fsr-3555	313	9	)	)	PUNCT
fsr-3555	313	10	,	,	PUNCT
fsr-3555	313	11	315	315	NUM
fsr-3555	313	12	-	-	SYM
fsr-3555	313	13	325	325	NUM
fsr-3555	313	14	.	.	PUNCT
fsr-3555	314	1	https://doi.org/10.1111/fcsr.12203	https://doi.org/10.1111/fcsr.12203	PROPN
fsr-3555	314	2	kumar	kumar	PROPN
fsr-3555	314	3	,	,	PUNCT
fsr-3555	314	4	s.	s.	PROPN
fsr-3555	314	5	,	,	PUNCT
fsr-3555	314	6	shukla	shukla	NOUN
fsr-3555	314	7	,	,	PUNCT
fsr-3555	314	8	g.	g.	PROPN
fsr-3555	314	9	p.	p.	PROPN
fsr-3555	314	10	,	,	PUNCT
fsr-3555	314	11	&	&	CCONJ
fsr-3555	314	12	sharma	sharma	PROPN
fsr-3555	314	13	,	,	PUNCT
fsr-3555	314	14	r.	r.	PROPN
fsr-3555	314	15	(	(	PUNCT
fsr-3555	314	16	2019	2019	NUM
fsr-3555	314	17	)	)	PUNCT
fsr-3555	314	18	.	.	PUNCT
fsr-3555	315	1	analysis	analysis	NOUN
fsr-3555	315	2	of	of	ADP
fsr-3555	315	3	key	key	ADJ
fsr-3555	315	4	barriers	barrier	NOUN
fsr-3555	315	5	in	in	ADP
fsr-3555	315	6	retirement	retirement	NOUN
fsr-3555	315	7	planning	planning	NOUN
fsr-3555	315	8	:	:	PUNCT
fsr-3555	315	9	an	an	DET
fsr-3555	315	10	approach	approach	NOUN
fsr-3555	315	11	based	base	VERB
fsr-3555	315	12	on	on	ADP
fsr-3555	315	13	interpretive	interpretive	ADJ
fsr-3555	315	14	structural	structural	ADJ
fsr-3555	315	15	modeling	modeling	NOUN
fsr-3555	315	16	.	.	PUNCT
fsr-3555	316	1	journal	journal	NOUN
fsr-3555	316	2	of	of	ADP
fsr-3555	316	3	modelling	modelling	NOUN
fsr-3555	316	4	in	in	ADP
fsr-3555	316	5	management	management	NOUN
fsr-3555	316	6	,	,	PUNCT
fsr-3555	316	7	14(4	14(4	NUM
fsr-3555	316	8	)	)	PUNCT
fsr-3555	316	9	,	,	PUNCT
fsr-3555	316	10	972986	972986	NUM
fsr-3555	316	11	.	.	PUNCT
fsr-3555	317	1	https://doi.org/10.1108/jm2-092018-0134	https://doi.org/10.1108/jm2-092018-0134	PROPN
fsr-3555	317	2	kung	kung	PROPN
fsr-3555	317	3	,	,	PUNCT
fsr-3555	317	4	c.	c.	PROPN
fsr-3555	317	5	s.	s.	PROPN
fsr-3555	317	6	,	,	PUNCT
fsr-3555	317	7	zhu	zhu	PROPN
fsr-3555	317	8	,	,	PUNCT
fsr-3555	317	9	j.	j.	PROPN
fsr-3555	317	10	,	,	PUNCT
fsr-3555	317	11	zaninotto	zaninotto	NOUN
fsr-3555	317	12	,	,	PUNCT
fsr-3555	317	13	p.	p.	NOUN
fsr-3555	317	14	,	,	PUNCT
fsr-3555	317	15	&	&	CCONJ
fsr-3555	317	16	steptoe	steptoe	PROPN
fsr-3555	317	17	,	,	PUNCT
fsr-3555	317	18	a.	a.	NOUN
fsr-3555	317	19	(	(	PUNCT
fsr-3555	317	20	2023	2023	NUM
fsr-3555	317	21	)	)	PUNCT
fsr-3555	317	22	.	.	PUNCT
fsr-3555	318	1	changes	change	NOUN
fsr-3555	318	2	in	in	ADP
fsr-3555	318	3	retirement	retirement	NOUN
fsr-3555	318	4	plans	plan	NOUN
fsr-3555	318	5	in	in	ADP
fsr-3555	318	6	the	the	DET
fsr-3555	318	7	english	english	ADJ
fsr-3555	318	8	older	old	ADJ
fsr-3555	318	9	population	population	NOUN
fsr-3555	318	10	during	during	ADP
fsr-3555	318	11	the	the	DET
fsr-3555	318	12	covid-19	covid-19	PROPN
fsr-3555	318	13	pandemic	pandemic	NOUN
fsr-3555	318	14	:	:	PUNCT
fsr-3555	318	15	the	the	DET
fsr-3555	318	16	roles	role	NOUN
fsr-3555	318	17	of	of	ADP
fsr-3555	318	18	health	health	NOUN
fsr-3555	318	19	factors	factor	NOUN
fsr-3555	318	20	and	and	CCONJ
fsr-3555	318	21	financial	financial	ADJ
fsr-3555	318	22	insecurity	insecurity	NOUN
fsr-3555	318	23	.	.	PUNCT
fsr-3555	319	1	european	european	ADJ
fsr-3555	319	2	journal	journal	PROPN
fsr-3555	319	3	of	of	ADP
fsr-3555	319	4	ageing	ageing	NOUN
fsr-3555	319	5	,	,	PUNCT
fsr-3555	319	6	20(1	20(1	NUM
fsr-3555	319	7	)	)	PUNCT
fsr-3555	319	8	,	,	PUNCT
fsr-3555	319	9	1	1	NUM
fsr-3555	319	10	-	-	SYM
fsr-3555	319	11	12	12	NUM
fsr-3555	319	12	.	.	PUNCT
fsr-3555	320	1	https://doi.org/10.1007/s10433-02300770-1	https://doi.org/10.1007/s10433-02300770-1	PROPN
fsr-3555	320	2	lazarus	lazarus	PROPN
fsr-3555	320	3	,	,	PUNCT
fsr-3555	320	4	r.	r.	PROPN
fsr-3555	320	5	s.	s.	PROPN
fsr-3555	320	6	,	,	PUNCT
fsr-3555	320	7	&	&	CCONJ
fsr-3555	320	8	alfert	alfert	PROPN
fsr-3555	320	9	,	,	PUNCT
fsr-3555	320	10	e.	e.	PROPN
fsr-3555	320	11	(	(	PUNCT
fsr-3555	320	12	1964	1964	NUM
fsr-3555	320	13	)	)	PUNCT
fsr-3555	320	14	.	.	PUNCT
fsr-3555	321	1	shortcircuiting	shortcircuiting	NOUN
fsr-3555	321	2	of	of	ADP
fsr-3555	321	3	threat	threat	NOUN
fsr-3555	321	4	by	by	ADP
fsr-3555	321	5	experimentally	experimentally	ADV
fsr-3555	321	6	altering	alter	VERB
fsr-3555	321	7	cognitive	cognitive	ADJ
fsr-3555	321	8	appraisal	appraisal	NOUN
fsr-3555	321	9	.	.	PUNCT
fsr-3555	322	1	the	the	DET
fsr-3555	322	2	journal	journal	NOUN
fsr-3555	322	3	of	of	ADP
fsr-3555	322	4	abnormal	abnormal	ADJ
fsr-3555	322	5	and	and	CCONJ
fsr-3555	322	6	social	social	ADJ
fsr-3555	322	7	psychology	psychology	NOUN
fsr-3555	322	8	,	,	PUNCT
fsr-3555	322	9	69(2	69(2	NOUN
fsr-3555	322	10	)	)	PUNCT
fsr-3555	322	11	,	,	PUNCT
fsr-3555	322	12	195	195	NUM
fsr-3555	322	13	-	-	SYM
fsr-3555	322	14	205	205	NUM
fsr-3555	322	15	.	.	PUNCT
fsr-3555	323	1	https://psycnet.apa.org/doi/10.1037/h00	https://psycnet.apa.org/doi/10.1037/h00	PROPN
fsr-3555	323	2	44635	44635	NUM
fsr-3555	323	3	lone	lone	PROPN
fsr-3555	323	4	,	,	PUNCT
fsr-3555	323	5	u.	u.	PROPN
fsr-3555	323	6	m.	m.	PROPN
fsr-3555	323	7	,	,	PUNCT
fsr-3555	323	8	&	&	CCONJ
fsr-3555	323	9	bhat	bhat	PROPN
fsr-3555	323	10	,	,	PUNCT
fsr-3555	323	11	s.	s.	PROPN
fsr-3555	323	12	a.	a.	PROPN
fsr-3555	323	13	(	(	PUNCT
fsr-3555	323	14	2022	2022	NUM
fsr-3555	323	15	)	)	PUNCT
fsr-3555	323	16	.	.	PUNCT
fsr-3555	324	1	impact	impact	NOUN
fsr-3555	324	2	of	of	ADP
fsr-3555	324	3	financial	financial	ADJ
fsr-3555	324	4	literacy	literacy	NOUN
fsr-3555	324	5	on	on	ADP
fsr-3555	324	6	financial	financial	ADJ
fsr-3555	324	7	well	well	NOUN
fsr-3555	324	8	-	-	PUNCT
fsr-3555	324	9	being	being	NOUN
fsr-3555	324	10	:	:	PUNCT
fsr-3555	324	11	a	a	DET
fsr-3555	324	12	mediational	mediational	ADJ
fsr-3555	324	13	role	role	NOUN
fsr-3555	324	14	of	of	ADP
fsr-3555	324	15	financial	financial	ADJ
fsr-3555	324	16	selfefficacy	selfefficacy	NOUN
fsr-3555	324	17	.	.	PUNCT
fsr-3555	325	1	journal	journal	NOUN
fsr-3555	325	2	of	of	ADP
fsr-3555	325	3	financial	financial	ADJ
fsr-3555	325	4	services	service	NOUN
fsr-3555	325	5	marketing	marketing	NOUN
fsr-3555	325	6	,	,	PUNCT
fsr-3555	325	7	1	1	NUM
fsr-3555	325	8	-	-	SYM
fsr-3555	325	9	16	16	NUM
fsr-3555	325	10	.	.	PUNCT
fsr-3555	326	1	https://doi.org/10.1057/s41264-02200183-8	https://doi.org/10.1057/s41264-02200183-8	PROPN
fsr-3555	326	2	lown	lown	PROPN
fsr-3555	326	3	,	,	PUNCT
fsr-3555	326	4	j.	j.	PROPN
fsr-3555	326	5	m.	m.	PROPN
fsr-3555	326	6	(	(	PUNCT
fsr-3555	326	7	2011	2011	NUM
fsr-3555	326	8	)	)	PUNCT
fsr-3555	326	9	.	.	PUNCT
fsr-3555	327	1	development	development	NOUN
fsr-3555	327	2	and	and	CCONJ
fsr-3555	327	3	validation	validation	NOUN
fsr-3555	327	4	of	of	ADP
fsr-3555	327	5	a	a	DET
fsr-3555	327	6	financial	financial	ADJ
fsr-3555	327	7	self	self	NOUN
fsr-3555	327	8	-	-	PUNCT
fsr-3555	327	9	efficacy	efficacy	NOUN
fsr-3555	327	10	scale	scale	NOUN
fsr-3555	327	11	.	.	PUNCT
fsr-3555	328	1	journal	journal	NOUN
fsr-3555	328	2	of	of	ADP
fsr-3555	328	3	financial	financial	ADJ
fsr-3555	328	4	counseling	counseling	NOUN
fsr-3555	328	5	and	and	CCONJ
fsr-3555	328	6	planning	planning	NOUN
fsr-3555	328	7	,	,	PUNCT
fsr-3555	328	8	22(2	22(2	NUM
fsr-3555	328	9	)	)	PUNCT
fsr-3555	328	10	,	,	PUNCT
fsr-3555	328	11	54	54	NUM
fsr-3555	328	12	-	-	SYM
fsr-3555	328	13	63	63	NUM
fsr-3555	328	14	.	.	PUNCT
fsr-3555	329	1	https://ssrn.com/abstract=2006665	https://ssrn.com/abstract=2006665	PROPN
fsr-3555	329	2	lown	lown	PROPN
fsr-3555	329	3	,	,	PUNCT
fsr-3555	329	4	j.	j.	PROPN
fsr-3555	329	5	m.	m.	PROPN
fsr-3555	329	6	,	,	PUNCT
fsr-3555	329	7	kim	kim	PROPN
fsr-3555	329	8	,	,	PUNCT
fsr-3555	329	9	j.	j.	PROPN
fsr-3555	329	10	,	,	PUNCT
fsr-3555	329	11	gutter	gutter	NOUN
fsr-3555	329	12	,	,	PUNCT
fsr-3555	329	13	m.	m.	NOUN
fsr-3555	329	14	s.	s.	PROPN
fsr-3555	329	15	,	,	PUNCT
fsr-3555	329	16	&	&	CCONJ
fsr-3555	329	17	hunt	hunt	PROPN
fsr-3555	329	18	,	,	PUNCT
fsr-3555	329	19	a.t	a.t	PROPN
fsr-3555	329	20	.	.	PROPN
fsr-3555	329	21	(	(	PUNCT
fsr-3555	329	22	2015	2015	NUM
fsr-3555	329	23	)	)	PUNCT
fsr-3555	329	24	.	.	PUNCT
fsr-3555	330	1	self	self	NOUN
fsr-3555	330	2	-	-	PUNCT
fsr-3555	330	3	efficacy	efficacy	NOUN
fsr-3555	330	4	and	and	CCONJ
fsr-3555	330	5	savings	saving	NOUN
fsr-3555	330	6	among	among	ADP
fsr-3555	330	7	middle	middle	ADJ
fsr-3555	330	8	and	and	CCONJ
fsr-3555	330	9	low	low	ADJ
fsr-3555	330	10	income	income	NOUN
fsr-3555	330	11	https://doi.org/10.1108/ebr-10-2013-0128	https://doi.org/10.1108/ebr-10-2013-0128	ADJ
fsr-3555	330	12	https://doi.org/10.1108/ebr-10-2013-0128	https://doi.org/10.1108/ebr-10-2013-0128	ADJ
fsr-3555	330	13	https://doi.org/10.3390/ijfs10030066	https://doi.org/10.3390/ijfs10030066	PROPN
fsr-3555	330	14	https://doi.org/10.3846/jbem.2020.13978	https://doi.org/10.3846/jbem.2020.13978	PROPN
fsr-3555	330	15	https://doi.org/10.3846/jbem.2020.13978	https://doi.org/10.3846/jbem.2020.13978	PROPN
fsr-3555	330	16	https://doi.org/10.1080/15427560.2012.735727	https://doi.org/10.1080/15427560.2012.735727	PROPN
fsr-3555	330	17	https://doi.org/10.1080/15427560.2012.735727	https://doi.org/10.1080/15427560.2012.735727	PUNCT
fsr-3555	331	1	https://ssrn.com/abstract=2255072	https://ssrn.com/abstract=2255072	PROPN
fsr-3555	331	2	https://doi.org/10.1111/fcsr.12203	https://doi.org/10.1111/fcsr.12203	X
fsr-3555	331	3	https://doi.org/10.1108/jm2-09-2018-0134	https://doi.org/10.1108/jm2-09-2018-0134	PROPN
fsr-3555	331	4	https://doi.org/10.1108/jm2-09-2018-0134	https://doi.org/10.1108/jm2-09-2018-0134	PROPN
fsr-3555	331	5	https://doi.org/10.1007/s10433-023-00770-1	https://doi.org/10.1007/s10433-023-00770-1	PROPN
fsr-3555	331	6	https://doi.org/10.1007/s10433-023-00770-1	https://doi.org/10.1007/s10433-023-00770-1	PROPN
fsr-3555	331	7	https://psycnet.apa.org/doi/10.1037/h0044635	https://psycnet.apa.org/doi/10.1037/h0044635	PROPN
fsr-3555	332	1	https://psycnet.apa.org/doi/10.1037/h0044635	https://psycnet.apa.org/doi/10.1037/h0044635	PROPN
fsr-3555	332	2	https://doi.org/10.1057/s41264-022-00183-8	https://doi.org/10.1057/s41264-022-00183-8	NUM
fsr-3555	332	3	https://doi.org/10.1057/s41264-022-00183-8	https://doi.org/10.1057/s41264-022-00183-8	NUM
fsr-3555	332	4	https://ssrn.com/abstract=2006665	https://ssrn.com/abstract=2006665	NOUN
fsr-3555	332	5	ahamed	ahamed	PROPN
fsr-3555	332	6	&	&	CCONJ
fsr-3555	332	7	limbu	limbu	PROPN
fsr-3555	332	8	91	91	NUM
fsr-3555	332	9	households	household	NOUN
fsr-3555	332	10	.	.	PUNCT
fsr-3555	333	1	journal	journal	NOUN
fsr-3555	333	2	of	of	ADP
fsr-3555	333	3	family	family	NOUN
fsr-3555	333	4	and	and	CCONJ
fsr-3555	333	5	economic	economic	ADJ
fsr-3555	333	6	issues	issue	NOUN
fsr-3555	333	7	,	,	PUNCT
fsr-3555	333	8	36	36	NUM
fsr-3555	333	9	,	,	PUNCT
fsr-3555	333	10	491	491	NUM
fsr-3555	333	11	-	-	SYM
fsr-3555	333	12	502	502	NUM
fsr-3555	333	13	.	.	PUNCT
fsr-3555	334	1	https://doi.org/10.1007/s10834-0149419-y	https://doi.org/10.1007/s10834-0149419-y	PROPN
fsr-3555	334	2	lusardi	lusardi	PROPN
fsr-3555	334	3	,	,	PUNCT
fsr-3555	334	4	a.	a.	PROPN
fsr-3555	334	5	,	,	PUNCT
fsr-3555	334	6	&	&	CCONJ
fsr-3555	334	7	mitchell	mitchell	PROPN
fsr-3555	334	8	,	,	PUNCT
fsr-3555	334	9	o.	o.	PROPN
fsr-3555	334	10	s.	s.	PROPN
fsr-3555	334	11	(	(	PUNCT
fsr-3555	334	12	2011	2011	NUM
fsr-3555	334	13	)	)	PUNCT
fsr-3555	334	14	.	.	PUNCT
fsr-3555	335	1	financial	financial	ADJ
fsr-3555	335	2	literacy	literacy	NOUN
fsr-3555	335	3	and	and	CCONJ
fsr-3555	335	4	retirement	retirement	NOUN
fsr-3555	335	5	planning	planning	NOUN
fsr-3555	335	6	in	in	ADP
fsr-3555	335	7	the	the	DET
fsr-3555	335	8	united	united	PROPN
fsr-3555	335	9	states	states	PROPN
fsr-3555	335	10	.	.	PUNCT
fsr-3555	336	1	journal	journal	PROPN
fsr-3555	336	2	of	of	ADP
fsr-3555	336	3	pension	pension	NOUN
fsr-3555	336	4	economics	economic	NOUN
fsr-3555	336	5	&	&	CCONJ
fsr-3555	336	6	finance	finance	PROPN
fsr-3555	336	7	,	,	PUNCT
fsr-3555	336	8	10(4	10(4	NUM
fsr-3555	336	9	)	)	PUNCT
fsr-3555	336	10	,	,	PUNCT
fsr-3555	336	11	509	509	NUM
fsr-3555	336	12	-	-	SYM
fsr-3555	336	13	525	525	NUM
fsr-3555	336	14	.	.	PUNCT
fsr-3555	337	1	https://doi.org/10.1017/s147474721100	https://doi.org/10.1017/s147474721100	NUM
fsr-3555	337	2	045x	045x	PROPN
fsr-3555	337	3	macfarland	macfarland	NOUN
fsr-3555	337	4	,	,	PUNCT
fsr-3555	337	5	d.	d.	PROPN
fsr-3555	337	6	m.	m.	PROPN
fsr-3555	337	7	,	,	PUNCT
fsr-3555	337	8	marconi	marconi	PROPN
fsr-3555	337	9	,	,	PUNCT
fsr-3555	337	10	c.	c.	PROPN
fsr-3555	337	11	d.	d.	PROPN
fsr-3555	337	12	,	,	PUNCT
fsr-3555	337	13	&	&	CCONJ
fsr-3555	337	14	utkus	utkus	PROPN
fsr-3555	337	15	,	,	PUNCT
fsr-3555	337	16	s.	s.	PROPN
fsr-3555	337	17	p.	p.	PROPN
fsr-3555	337	18	(	(	PUNCT
fsr-3555	337	19	2004	2004	NUM
fsr-3555	337	20	)	)	PUNCT
fsr-3555	337	21	.	.	PUNCT
fsr-3555	338	1	money	money	NOUN
fsr-3555	338	2	attitudes	attitude	NOUN
fsr-3555	338	3	and	and	CCONJ
fsr-3555	338	4	retirement	retirement	NOUN
fsr-3555	338	5	plan	plan	NOUN
fsr-3555	338	6	design	design	NOUN
fsr-3555	338	7	:	:	PUNCT
fsr-3555	338	8	one	one	NUM
fsr-3555	338	9	size	size	NOUN
fsr-3555	338	10	does	do	AUX
fsr-3555	338	11	not	not	PART
fsr-3555	338	12	fit	fit	VERB
fsr-3555	338	13	all	all	PRON
fsr-3555	338	14	.	.	PUNCT
fsr-3555	339	1	pension	pension	NOUN
fsr-3555	339	2	design	design	NOUN
fsr-3555	339	3	and	and	CCONJ
fsr-3555	339	4	structure	structure	NOUN
fsr-3555	339	5	:	:	PUNCT
fsr-3555	339	6	new	new	ADJ
fsr-3555	339	7	lessons	lesson	NOUN
fsr-3555	339	8	from	from	ADP
fsr-3555	339	9	behavioral	behavioral	ADJ
fsr-3555	339	10	finance	finance	NOUN
fsr-3555	339	11	,	,	PUNCT
fsr-3555	339	12	97	97	NUM
fsr-3555	339	13	-	-	SYM
fsr-3555	339	14	120	120	NUM
fsr-3555	339	15	.	.	PUNCT
fsr-3555	340	1	mathew	mathew	PROPN
fsr-3555	340	2	,	,	PUNCT
fsr-3555	340	3	v.	v.	PROPN
fsr-3555	340	4	,	,	PUNCT
fsr-3555	340	5	pk	pk	NOUN
fsr-3555	340	6	,	,	PUNCT
fsr-3555	340	7	s.	s.	PROPN
fsr-3555	340	8	k.	k.	PROPN
fsr-3555	340	9	,	,	PUNCT
fsr-3555	340	10	&	&	CCONJ
fsr-3555	340	11	sanjeev	sanjeev	PROPN
fsr-3555	340	12	,	,	PUNCT
fsr-3555	340	13	m.	m.	NOUN
fsr-3555	340	14	(	(	PUNCT
fsr-3555	340	15	2022	2022	NUM
fsr-3555	340	16	)	)	PUNCT
fsr-3555	340	17	.	.	PUNCT
fsr-3555	341	1	financial	financial	ADJ
fsr-3555	341	2	well	well	ADV
fsr-3555	341	3	-	-	PUNCT
fsr-3555	341	4	being	being	NOUN
fsr-3555	341	5	and	and	CCONJ
fsr-3555	341	6	its	its	PRON
fsr-3555	341	7	psychological	psychological	ADJ
fsr-3555	341	8	determinants	determinant	NOUN
fsr-3555	341	9	—	—	PUNCT
fsr-3555	341	10	an	an	DET
fsr-3555	341	11	emerging	emerge	VERB
fsr-3555	341	12	country	country	NOUN
fsr-3555	341	13	perspective	perspective	NOUN
fsr-3555	341	14	.	.	PUNCT
fsr-3555	342	1	fiib	fiib	PROPN
fsr-3555	342	2	business	business	PROPN
fsr-3555	342	3	review	review	PROPN
fsr-3555	342	4	,	,	PUNCT
fsr-3555	342	5	23197145221121080	23197145221121080	NUM
fsr-3555	342	6	.	.	PUNCT
fsr-3555	343	1	https://doi.org/10.1177/2319714522112	https://doi.org/10.1177/2319714522112	NOUN
fsr-3555	343	2	1080	1080	NUM
fsr-3555	343	3	mauldin	mauldin	NOUN
fsr-3555	343	4	,	,	PUNCT
fsr-3555	343	5	t.	t.	NOUN
fsr-3555	343	6	a.	a.	NOUN
fsr-3555	343	7	,	,	PUNCT
fsr-3555	343	8	henager	henager	ADV
fsr-3555	343	9	,	,	PUNCT
fsr-3555	343	10	r.	r.	PROPN
fsr-3555	343	11	,	,	PUNCT
fsr-3555	343	12	bowen	bowen	PROPN
fsr-3555	343	13	,	,	PUNCT
fsr-3555	343	14	c.	c.	PROPN
fsr-3555	343	15	f.	f.	PROPN
fsr-3555	343	16	,	,	PUNCT
fsr-3555	343	17	&	&	CCONJ
fsr-3555	343	18	cheang	cheang	PROPN
fsr-3555	343	19	,	,	PUNCT
fsr-3555	343	20	m.	m.	NOUN
fsr-3555	343	21	(	(	PUNCT
fsr-3555	343	22	2016	2016	NUM
fsr-3555	343	23	)	)	PUNCT
fsr-3555	343	24	.	.	PUNCT
fsr-3555	344	1	barriers	barrier	NOUN
fsr-3555	344	2	and	and	CCONJ
fsr-3555	344	3	facilitators	facilitator	NOUN
fsr-3555	344	4	to	to	ADP
fsr-3555	344	5	saving	save	VERB
fsr-3555	344	6	behavior	behavior	NOUN
fsr-3555	344	7	in	in	ADP
fsr-3555	344	8	low	low	ADJ
fsr-3555	344	9	-	-	PUNCT
fsr-3555	344	10	to	to	ADP
fsr-3555	344	11	moderate	moderate	ADJ
fsr-3555	344	12	-	-	PUNCT
fsr-3555	344	13	income	income	NOUN
fsr-3555	344	14	households	household	NOUN
fsr-3555	344	15	.	.	PUNCT
fsr-3555	345	1	journal	journal	NOUN
fsr-3555	345	2	of	of	ADP
fsr-3555	345	3	financial	financial	ADJ
fsr-3555	345	4	counseling	counseling	NOUN
fsr-3555	345	5	and	and	CCONJ
fsr-3555	345	6	planning	planning	NOUN
fsr-3555	345	7	,	,	PUNCT
fsr-3555	345	8	27(2	27(2	PRON
fsr-3555	345	9	)	)	PUNCT
fsr-3555	345	10	,	,	PUNCT
fsr-3555	345	11	231	231	NUM
fsr-3555	345	12	-	-	SYM
fsr-3555	345	13	251	251	NUM
fsr-3555	345	14	.	.	PUNCT
fsr-3555	346	1	https://psycnet.apa.org/doi/10.1891/105	https://psycnet.apa.org/doi/10.1891/105	ADJ
fsr-3555	346	2	2	2	NUM
fsr-3555	346	3	-	-	PUNCT
fsr-3555	346	4	3073.27.2.231	3073.27.2.231	NUM
fsr-3555	346	5	meir	meir	PROPN
fsr-3555	346	6	,	,	PUNCT
fsr-3555	346	7	a.	a.	PROPN
fsr-3555	346	8	,	,	PUNCT
fsr-3555	346	9	mugerman	mugerman	ADJ
fsr-3555	346	10	,	,	PUNCT
fsr-3555	346	11	y.	y.	PROPN
fsr-3555	346	12	,	,	PUNCT
fsr-3555	346	13	&	&	CCONJ
fsr-3555	346	14	sade	sade	PROPN
fsr-3555	346	15	,	,	PUNCT
fsr-3555	346	16	o.	o.	NOUN
fsr-3555	346	17	(	(	PUNCT
fsr-3555	346	18	2016	2016	NUM
fsr-3555	346	19	)	)	PUNCT
fsr-3555	346	20	.	.	PUNCT
fsr-3555	347	1	financial	financial	ADJ
fsr-3555	347	2	literacy	literacy	NOUN
fsr-3555	347	3	and	and	CCONJ
fsr-3555	347	4	retirement	retirement	NOUN
fsr-3555	347	5	planning	planning	NOUN
fsr-3555	347	6	:	:	PUNCT
fsr-3555	347	7	evidence	evidence	NOUN
fsr-3555	347	8	from	from	ADP
fsr-3555	347	9	israel	israel	PROPN
fsr-3555	347	10	.	.	PUNCT
fsr-3555	348	1	israel	israel	PROPN
fsr-3555	348	2	economic	economic	PROPN
fsr-3555	348	3	review	review	PROPN
fsr-3555	348	4	,	,	PUNCT
fsr-3555	348	5	14(1	14(1	NUM
fsr-3555	348	6	)	)	PUNCT
fsr-3555	348	7	,	,	PUNCT
fsr-3555	348	8	75	75	NUM
fsr-3555	348	9	-	-	SYM
fsr-3555	348	10	95	95	NUM
fsr-3555	348	11	.	.	PUNCT
fsr-3555	349	1	https://ssrn.com/abstract=2889925	https://ssrn.com/abstract=2889925	PROPN
fsr-3555	349	2	nguyen	nguyen	NOUN
fsr-3555	349	3	,	,	PUNCT
fsr-3555	349	4	l.	l.	PROPN
fsr-3555	349	5	,	,	PUNCT
fsr-3555	349	6	gallery	gallery	PROPN
fsr-3555	349	7	,	,	PUNCT
fsr-3555	349	8	g.	g.	PROPN
fsr-3555	349	9	,	,	PUNCT
fsr-3555	349	10	&	&	CCONJ
fsr-3555	349	11	newton	newton	PROPN
fsr-3555	349	12	,	,	PUNCT
fsr-3555	349	13	c.	c.	PROPN
fsr-3555	349	14	(	(	PUNCT
fsr-3555	349	15	2019	2019	NUM
fsr-3555	349	16	)	)	PUNCT
fsr-3555	349	17	.	.	PUNCT
fsr-3555	350	1	the	the	DET
fsr-3555	350	2	joint	joint	ADJ
fsr-3555	350	3	influence	influence	NOUN
fsr-3555	350	4	of	of	ADP
fsr-3555	350	5	financial	financial	ADJ
fsr-3555	350	6	risk	risk	NOUN
fsr-3555	350	7	perception	perception	NOUN
fsr-3555	350	8	and	and	CCONJ
fsr-3555	350	9	risk	risk	NOUN
fsr-3555	350	10	tolerance	tolerance	NOUN
fsr-3555	350	11	on	on	ADP
fsr-3555	350	12	individual	individual	ADJ
fsr-3555	350	13	investment	investment	NOUN
fsr-3555	350	14	decision‐making	decision‐making	NOUN
fsr-3555	350	15	.	.	PUNCT
fsr-3555	351	1	accounting	accounting	PROPN
fsr-3555	351	2	&	&	CCONJ
fsr-3555	351	3	finance	finance	PROPN
fsr-3555	351	4	,	,	PUNCT
fsr-3555	351	5	59	59	NUM
fsr-3555	351	6	,	,	PUNCT
fsr-3555	351	7	747	747	NUM
fsr-3555	351	8	-	-	SYM
fsr-3555	351	9	771	771	NUM
fsr-3555	351	10	.	.	PUNCT
fsr-3555	352	1	https://doi.org/10.1111/acfi.12295	https://doi.org/10.1111/acfi.12295	PROPN
fsr-3555	352	2	noone	noone	PROPN
fsr-3555	352	3	,	,	PUNCT
fsr-3555	352	4	j.	j.	PROPN
fsr-3555	352	5	h.	h.	PROPN
fsr-3555	352	6	,	,	PUNCT
fsr-3555	352	7	stephens	stephens	PROPN
fsr-3555	352	8	,	,	PUNCT
fsr-3555	352	9	c.	c.	PROPN
fsr-3555	352	10	,	,	PUNCT
fsr-3555	352	11	&	&	CCONJ
fsr-3555	352	12	alpass	alpass	PROPN
fsr-3555	352	13	,	,	PUNCT
fsr-3555	352	14	f.	f.	PROPN
fsr-3555	352	15	(	(	PUNCT
fsr-3555	352	16	2010	2010	NUM
fsr-3555	352	17	)	)	PUNCT
fsr-3555	352	18	.	.	PUNCT
fsr-3555	353	1	the	the	DET
fsr-3555	353	2	process	process	NOUN
fsr-3555	353	3	of	of	ADP
fsr-3555	353	4	retirement	retirement	NOUN
fsr-3555	353	5	planning	planning	NOUN
fsr-3555	353	6	scale	scale	NOUN
fsr-3555	353	7	(	(	PUNCT
fsr-3555	353	8	preps	prep	NOUN
fsr-3555	353	9	):	):	PUNCT
fsr-3555	353	10	development	development	NOUN
fsr-3555	353	11	and	and	CCONJ
fsr-3555	353	12	validation	validation	NOUN
fsr-3555	353	13	.	.	PUNCT
fsr-3555	354	1	psychological	psychological	ADJ
fsr-3555	354	2	assessment	assessment	NOUN
fsr-3555	354	3	,	,	PUNCT
fsr-3555	354	4	22(3	22(3	NUM
fsr-3555	354	5	)	)	PUNCT
fsr-3555	354	6	,	,	PUNCT
fsr-3555	354	7	520	520	NUM
fsr-3555	354	8	-	-	SYM
fsr-3555	354	9	531	531	NUM
fsr-3555	354	10	.	.	PUNCT
fsr-3555	355	1	https://psycnet.apa.org/doi/10.1037/a001	https://psycnet.apa.org/doi/10.1037/a001	PROPN
fsr-3555	355	2	9512	9512	NUM
fsr-3555	355	3	park	park	NOUN
fsr-3555	355	4	,	,	PUNCT
fsr-3555	355	5	h.	h.	PROPN
fsr-3555	355	6	,	,	PUNCT
fsr-3555	355	7	&	&	CCONJ
fsr-3555	355	8	martin	martin	PROPN
fsr-3555	355	9	,	,	PUNCT
fsr-3555	355	10	w.	w.	PROPN
fsr-3555	355	11	(	(	PUNCT
fsr-3555	355	12	2022	2022	NUM
fsr-3555	355	13	)	)	PUNCT
fsr-3555	355	14	.	.	PUNCT
fsr-3555	356	1	effects	effect	NOUN
fsr-3555	356	2	of	of	ADP
fsr-3555	356	3	risk	risk	NOUN
fsr-3555	356	4	tolerance	tolerance	NOUN
fsr-3555	356	5	,	,	PUNCT
fsr-3555	356	6	financial	financial	ADJ
fsr-3555	356	7	literacy	literacy	NOUN
fsr-3555	356	8	,	,	PUNCT
fsr-3555	356	9	and	and	CCONJ
fsr-3555	356	10	financial	financial	ADJ
fsr-3555	356	11	status	status	NOUN
fsr-3555	356	12	on	on	ADP
fsr-3555	356	13	retirement	retirement	NOUN
fsr-3555	356	14	planning	planning	NOUN
fsr-3555	356	15	.	.	PUNCT
fsr-3555	357	1	journal	journal	PROPN
fsr-3555	357	2	of	of	ADP
fsr-3555	357	3	financial	financial	ADJ
fsr-3555	357	4	services	service	NOUN
fsr-3555	357	5	marketing	marketing	NOUN
fsr-3555	357	6	,	,	PUNCT
fsr-3555	357	7	27	27	NUM
fsr-3555	357	8	,	,	PUNCT
fsr-3555	357	9	167176	167176	NUM
fsr-3555	357	10	.	.	PUNCT
fsr-3555	358	1	https://doi.org/10.1057/s41264021-00123-y	https://doi.org/10.1057/s41264021-00123-y	PROPN
fsr-3555	358	2	petkoska	petkoska	PROPN
fsr-3555	358	3	,	,	PUNCT
fsr-3555	358	4	j.	j.	PROPN
fsr-3555	358	5	,	,	PUNCT
fsr-3555	358	6	&	&	CCONJ
fsr-3555	358	7	earl	earl	PROPN
fsr-3555	358	8	,	,	PUNCT
fsr-3555	358	9	j.	j.	PROPN
fsr-3555	358	10	k.	k.	PROPN
fsr-3555	358	11	(	(	PUNCT
fsr-3555	358	12	2009	2009	NUM
fsr-3555	358	13	)	)	PUNCT
fsr-3555	358	14	.	.	PUNCT
fsr-3555	359	1	understanding	understand	VERB
fsr-3555	359	2	the	the	DET
fsr-3555	359	3	influence	influence	NOUN
fsr-3555	359	4	of	of	ADP
fsr-3555	359	5	demographic	demographic	ADJ
fsr-3555	359	6	and	and	CCONJ
fsr-3555	359	7	psychological	psychological	ADJ
fsr-3555	359	8	variables	variable	NOUN
fsr-3555	359	9	on	on	ADP
fsr-3555	359	10	retirement	retirement	NOUN
fsr-3555	359	11	planning	planning	NOUN
fsr-3555	359	12	.	.	PUNCT
fsr-3555	360	1	psychology	psychology	NOUN
fsr-3555	360	2	and	and	CCONJ
fsr-3555	360	3	aging	aging	NOUN
fsr-3555	360	4	,	,	PUNCT
fsr-3555	360	5	24(1	24(1	NUM
fsr-3555	360	6	)	)	PUNCT
fsr-3555	360	7	,	,	PUNCT
fsr-3555	360	8	245	245	NUM
fsr-3555	360	9	-	-	SYM
fsr-3555	360	10	251	251	NUM
fsr-3555	360	11	.	.	PUNCT
fsr-3555	361	1	https://psycnet.apa.org/doi/10.1037/a001	https://psycnet.apa.org/doi/10.1037/a001	PROPN
fsr-3555	361	2	4096	4096	NUM
fsr-3555	361	3	preacher	preacher	NOUN
fsr-3555	361	4	,	,	PUNCT
fsr-3555	361	5	k.	k.	PROPN
fsr-3555	361	6	j.	j.	PROPN
fsr-3555	361	7	,	,	PUNCT
fsr-3555	361	8	rucker	rucker	PROPN
fsr-3555	361	9	,	,	PUNCT
fsr-3555	361	10	d.	d.	PROPN
fsr-3555	361	11	d.	d.	PROPN
fsr-3555	361	12	,	,	PUNCT
fsr-3555	361	13	&	&	CCONJ
fsr-3555	361	14	hayes	hayes	PROPN
fsr-3555	361	15	,	,	PUNCT
fsr-3555	361	16	a.	a.	PROPN
fsr-3555	361	17	f.	f.	PROPN
fsr-3555	361	18	(	(	PUNCT
fsr-3555	361	19	2007	2007	NUM
fsr-3555	361	20	)	)	PUNCT
fsr-3555	361	21	.	.	PUNCT
fsr-3555	362	1	addressing	address	VERB
fsr-3555	362	2	moderated	moderated	ADJ
fsr-3555	362	3	mediation	mediation	NOUN
fsr-3555	362	4	hypotheses	hypothesis	NOUN
fsr-3555	362	5	:	:	PUNCT
fsr-3555	362	6	theory	theory	NOUN
fsr-3555	362	7	,	,	PUNCT
fsr-3555	362	8	methods	method	NOUN
fsr-3555	362	9	,	,	PUNCT
fsr-3555	362	10	and	and	CCONJ
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fsr-3555	362	12	.	.	PUNCT
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fsr-3555	363	5	42(1	42(1	NOUN
fsr-3555	363	6	)	)	PUNCT
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fsr-3555	363	9	-	-	SYM
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fsr-3555	363	11	.	.	PUNCT
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fsr-3555	364	2	ramalho	ramalho	NOUN
fsr-3555	364	3	,	,	PUNCT
fsr-3555	364	4	t.	t.	PROPN
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fsr-3555	364	6	,	,	PUNCT
fsr-3555	364	7	&	&	CCONJ
fsr-3555	364	8	forte	forte	PROPN
fsr-3555	364	9	,	,	PUNCT
fsr-3555	364	10	d.	d.	PROPN
fsr-3555	364	11	(	(	PUNCT
fsr-3555	364	12	2019	2019	NUM
fsr-3555	364	13	)	)	PUNCT
fsr-3555	364	14	.	.	PUNCT
fsr-3555	365	1	financial	financial	ADJ
fsr-3555	365	2	literacy	literacy	NOUN
fsr-3555	365	3	in	in	ADP
fsr-3555	365	4	brazil	brazil	PROPN
fsr-3555	365	5	–	–	PUNCT
fsr-3555	365	6	do	do	VERB
fsr-3555	365	7	knowledge	knowledge	NOUN
fsr-3555	365	8	and	and	CCONJ
fsr-3555	365	9	selfconfidence	selfconfidence	NOUN
fsr-3555	365	10	relate	relate	VERB
fsr-3555	365	11	with	with	ADP
fsr-3555	365	12	behavior	behavior	NOUN
fsr-3555	365	13	?	?	PUNCT
fsr-3555	366	1	rausp	rausp	PROPN
fsr-3555	366	2	management	management	PROPN
fsr-3555	366	3	journal	journal	PROPN
fsr-3555	366	4	,	,	PUNCT
fsr-3555	366	5	54	54	NUM
fsr-3555	366	6	,	,	PUNCT
fsr-3555	366	7	77	77	NUM
fsr-3555	366	8	-	-	SYM
fsr-3555	366	9	95	95	NUM
fsr-3555	366	10	.	.	PUNCT
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fsr-3555	367	2	xgrrmn6zq38h4xg/?lang	xgrrmn6zq38h4xg/?lang	PROPN
fsr-3555	367	3	=	=	PROPN
fsr-3555	367	4	en	en	ADP
fsr-3555	367	5	roberts	roberts	PROPN
fsr-3555	367	6	,	,	PUNCT
fsr-3555	367	7	j.	j.	PROPN
fsr-3555	367	8	a.	a.	PROPN
fsr-3555	367	9	,	,	PUNCT
fsr-3555	367	10	&	&	CCONJ
fsr-3555	367	11	jones	jones	PROPN
fsr-3555	367	12	,	,	PUNCT
fsr-3555	367	13	e.	e.	PROPN
fsr-3555	367	14	(	(	PUNCT
fsr-3555	367	15	2001	2001	NUM
fsr-3555	367	16	)	)	PUNCT
fsr-3555	367	17	.	.	PUNCT
fsr-3555	368	1	money	money	NOUN
fsr-3555	368	2	attitudes	attitude	NOUN
fsr-3555	368	3	,	,	PUNCT
fsr-3555	368	4	credit	credit	NOUN
fsr-3555	368	5	card	card	NOUN
fsr-3555	368	6	use	use	NOUN
fsr-3555	368	7	,	,	PUNCT
fsr-3555	368	8	and	and	CCONJ
fsr-3555	368	9	compulsive	compulsive	ADJ
fsr-3555	368	10	buying	buying	NOUN
fsr-3555	368	11	among	among	ADP
fsr-3555	368	12	american	american	ADJ
fsr-3555	368	13	college	college	NOUN
fsr-3555	368	14	students	student	NOUN
fsr-3555	368	15	.	.	PUNCT
fsr-3555	369	1	journal	journal	NOUN
fsr-3555	369	2	of	of	ADP
fsr-3555	369	3	consumer	consumer	NOUN
fsr-3555	369	4	affairs	affair	NOUN
fsr-3555	369	5	,	,	PUNCT
fsr-3555	369	6	35(2	35(2	NUM
fsr-3555	369	7	)	)	PUNCT
fsr-3555	369	8	,	,	PUNCT
fsr-3555	369	9	213	213	NUM
fsr-3555	369	10	-	-	SYM
fsr-3555	369	11	240	240	NUM
fsr-3555	369	12	.	.	PUNCT
fsr-3555	370	1	https://doi.org/10.1111/j.17456606.2001.tb00111.x	https://doi.org/10.1111/j.17456606.2001.tb00111.x	NOUN
fsr-3555	370	2	safari	safari	PROPN
fsr-3555	370	3	,	,	PUNCT
fsr-3555	370	4	k.	k.	PROPN
fsr-3555	370	5	,	,	PUNCT
fsr-3555	370	6	njoka	njoka	PROPN
fsr-3555	370	7	,	,	PUNCT
fsr-3555	370	8	c.	c.	PROPN
fsr-3555	370	9	,	,	PUNCT
fsr-3555	370	10	&	&	CCONJ
fsr-3555	370	11	munkwa	munkwa	PROPN
fsr-3555	370	12	,	,	PUNCT
fsr-3555	370	13	m.	m.	NOUN
fsr-3555	370	14	g.	g.	PROPN
fsr-3555	370	15	(	(	PUNCT
fsr-3555	370	16	2021	2021	NUM
fsr-3555	370	17	)	)	PUNCT
fsr-3555	370	18	.	.	PUNCT
fsr-3555	371	1	financial	financial	ADJ
fsr-3555	371	2	literacy	literacy	NOUN
fsr-3555	371	3	and	and	CCONJ
fsr-3555	371	4	personal	personal	ADJ
fsr-3555	371	5	retirement	retirement	NOUN
fsr-3555	371	6	planning	planning	NOUN
fsr-3555	371	7	:	:	PUNCT
fsr-3555	371	8	a	a	DET
fsr-3555	371	9	socioeconomic	socioeconomic	ADJ
fsr-3555	371	10	approach	approach	NOUN
fsr-3555	371	11	.	.	PUNCT
fsr-3555	372	1	journal	journal	NOUN
fsr-3555	372	2	of	of	ADP
fsr-3555	372	3	business	business	NOUN
fsr-3555	372	4	and	and	CCONJ
fsr-3555	372	5	socioeconomic	socioeconomic	ADJ
fsr-3555	372	6	development	development	NOUN
fsr-3555	372	7	,	,	PUNCT
fsr-3555	372	8	1(2	1(2	NUM
fsr-3555	372	9	)	)	PUNCT
fsr-3555	372	10	,	,	PUNCT
fsr-3555	372	11	121	121	NUM
fsr-3555	372	12	-	-	SYM
fsr-3555	372	13	134	134	NUM
fsr-3555	372	14	.	.	PUNCT
fsr-3555	373	1	https://doi.org/10.1108/jbsed-04-20210052	https://doi.org/10.1108/jbsed-04-20210052	PROPN
fsr-3555	373	2	samsuri	samsuri	PROPN
fsr-3555	373	3	,	,	PUNCT
fsr-3555	373	4	a.	a.	NOUN
fsr-3555	373	5	,	,	PUNCT
fsr-3555	373	6	ismiyanti	ismiyanti	PROPN
fsr-3555	373	7	,	,	PUNCT
fsr-3555	373	8	f.	f.	PROPN
fsr-3555	373	9	,	,	PUNCT
fsr-3555	373	10	&	&	CCONJ
fsr-3555	373	11	narsa	narsa	PROPN
fsr-3555	373	12	,	,	PUNCT
fsr-3555	373	13	i.	i.	PROPN
fsr-3555	373	14	m.	m.	PROPN
fsr-3555	373	15	(	(	PUNCT
fsr-3555	373	16	2019	2019	NUM
fsr-3555	373	17	)	)	PUNCT
fsr-3555	373	18	.	.	PUNCT
fsr-3555	374	1	effects	effect	NOUN
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fsr-3555	374	3	risk	risk	NOUN
fsr-3555	374	4	tolerance	tolerance	NOUN
fsr-3555	374	5	and	and	CCONJ
fsr-3555	374	6	financial	financial	ADJ
fsr-3555	374	7	literacy	literacy	NOUN
fsr-3555	374	8	to	to	ADP
fsr-3555	374	9	investment	investment	NOUN
fsr-3555	374	10	intentions	intention	NOUN
fsr-3555	374	11	.	.	PUNCT
fsr-3555	375	1	international	international	ADJ
fsr-3555	375	2	journal	journal	PROPN
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fsr-3555	375	4	innovation	innovation	NOUN
fsr-3555	375	5	,	,	PUNCT
fsr-3555	375	6	creativity	creativity	NOUN
fsr-3555	375	7	and	and	CCONJ
fsr-3555	375	8	change	change	NOUN
fsr-3555	375	9	,	,	PUNCT
fsr-3555	375	10	10(9	10(9	NUM
fsr-3555	375	11	)	)	PUNCT
fsr-3555	375	12	,	,	PUNCT
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fsr-3555	375	14	-	-	SYM
fsr-3555	375	15	54	54	NUM
fsr-3555	375	16	.	.	PUNCT
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fsr-3555	376	2	https://doi.org/10.1007/s10834-014-9419-y	https://doi.org/10.1007/s10834-014-9419-y	PROPN
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fsr-3555	376	8	https://psycnet.apa.org/doi/10.1891/1052-3073.27.2.231	https://psycnet.apa.org/doi/10.1891/1052-3073.27.2.231	VERB
fsr-3555	376	9	https://ssrn.com/abstract=2889925	https://ssrn.com/abstract=2889925	ADJ
fsr-3555	376	10	https://doi.org/10.1111/acfi.12295	https://doi.org/10.1111/acfi.12295	NOUN
fsr-3555	376	11	https://psycnet.apa.org/doi/10.1037/a0019512	https://psycnet.apa.org/doi/10.1037/a0019512	PROPN
fsr-3555	376	12	https://psycnet.apa.org/doi/10.1037/a0019512	https://psycnet.apa.org/doi/10.1037/a0019512	PUNCT
fsr-3555	376	13	https://doi.org/10.1057/s41264-021-00123-y	https://doi.org/10.1057/s41264-021-00123-y	PROPN
fsr-3555	376	14	https://doi.org/10.1057/s41264-021-00123-y	https://doi.org/10.1057/s41264-021-00123-y	X
fsr-3555	376	15	https://psycnet.apa.org/doi/10.1037/a0014096	https://psycnet.apa.org/doi/10.1037/a0014096	PROPN
fsr-3555	376	16	https://psycnet.apa.org/doi/10.1037/a0014096	https://psycnet.apa.org/doi/10.1037/a0014096	ADJ
fsr-3555	376	17	https://doi.org/10.1080/00273170701341316	https://doi.org/10.1080/00273170701341316	VERB
fsr-3555	376	18	https://doi.org/10.1080/00273170701341316	https://doi.org/10.1080/00273170701341316	PROPN
fsr-3555	377	1	https://www.scielo.br/j/rmj/a/hvc4pk6fxgrrmn6zq38h4xg/?lang=en	https://www.scielo.br/j/rmj/a/hvc4pk6fxgrrmn6zq38h4xg/?lang=en	PROPN
fsr-3555	377	2	https://www.scielo.br/j/rmj/a/hvc4pk6fxgrrmn6zq38h4xg/?lang=en	https://www.scielo.br/j/rmj/a/hvc4pk6fxgrrmn6zq38h4xg/?lang=en	PROPN
fsr-3555	377	3	https://doi.org/10.1111/j.1745-6606.2001.tb00111.x	https://doi.org/10.1111/j.1745-6606.2001.tb00111.x	NOUN
fsr-3555	377	4	https://doi.org/10.1111/j.1745-6606.2001.tb00111.x	https://doi.org/10.1111/j.1745-6606.2001.tb00111.x	PROPN
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fsr-3555	377	7	financial	financial	PROPN
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fsr-3555	377	10	,	,	PUNCT
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fsr-3555	377	12	)	)	PUNCT
fsr-3555	377	13	92	92	NUM
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fsr-3555	377	28	)	)	PUNCT
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fsr-3555	378	3	effect	effect	NOUN
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fsr-3555	378	5	financial	financial	ADJ
fsr-3555	378	6	literacy	literacy	NOUN
fsr-3555	378	7	on	on	ADP
fsr-3555	378	8	financial	financial	ADJ
fsr-3555	378	9	planning	planning	NOUN
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fsr-3555	378	11	retirement	retirement	NOUN
fsr-3555	378	12	(	(	PUNCT
fsr-3555	378	13	case	case	NOUN
fsr-3555	378	14	study	study	NOUN
fsr-3555	378	15	lecturers	lecturer	NOUN
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fsr-3555	378	17	administrative	administrative	ADJ
fsr-3555	378	18	staffs	staff	NOUN
fsr-3555	378	19	in	in	ADP
fsr-3555	378	20	universitas	universita	NOUN
fsr-3555	378	21	indonesia	indonesia	PROPN
fsr-3555	378	22	)	)	PUNCT
fsr-3555	378	23	.	.	PUNCT
fsr-3555	379	1	international	international	ADJ
fsr-3555	379	2	journal	journal	PROPN
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fsr-3555	379	4	management	management	NOUN
fsr-3555	379	5	,	,	PUNCT
fsr-3555	379	6	11(5	11(5	NUM
fsr-3555	379	7	)	)	PUNCT
fsr-3555	379	8	,	,	PUNCT
fsr-3555	379	9	741	741	NUM
fsr-3555	379	10	-	-	SYM
fsr-3555	379	11	750	750	NUM
fsr-3555	379	12	.	.	PUNCT
fsr-3555	380	1	https://ssrn.com/abstract=3631012	https://ssrn.com/abstract=3631012	PROPN
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fsr-3555	380	3	,	,	PUNCT
fsr-3555	380	4	j.	j.	PROPN
fsr-3555	380	5	,	,	PUNCT
fsr-3555	380	6	mo	mo	PROPN
fsr-3555	380	7	,	,	PUNCT
fsr-3555	380	8	x.	x.	NOUN
fsr-3555	380	9	,	,	PUNCT
fsr-3555	380	10	&	&	CCONJ
fsr-3555	380	11	sun	sun	PROPN
fsr-3555	380	12	,	,	PUNCT
fsr-3555	380	13	z.	z.	PROPN
fsr-3555	380	14	(	(	PUNCT
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fsr-3555	380	16	)	)	PUNCT
fsr-3555	380	17	.	.	PUNCT
fsr-3555	381	1	content	content	NOUN
fsr-3555	381	2	validity	validity	NOUN
fsr-3555	381	3	index	index	NOUN
fsr-3555	381	4	in	in	ADP
fsr-3555	381	5	scale	scale	NOUN
fsr-3555	381	6	development	development	NOUN
fsr-3555	381	7	.	.	PUNCT
fsr-3555	382	1	zhong	zhong	PROPN
fsr-3555	382	2	nan	nan	PROPN
fsr-3555	382	3	da	da	PROPN
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fsr-3555	382	5	xue	xue	PROPN
fsr-3555	382	6	bao	bao	PROPN
fsr-3555	382	7	.	.	PUNCT
fsr-3555	383	1	yi	yi	PROPN
fsr-3555	383	2	xue	xue	PROPN
fsr-3555	383	3	ban=	ban=	PROPN
fsr-3555	383	4	journal	journal	NOUN
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fsr-3555	384	4	37(2	37(2	PROPN
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fsr-3555	384	10	.	.	PUNCT
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fsr-3555	385	7	,	,	PUNCT
fsr-3555	385	8	z.	z.	PROPN
fsr-3555	385	9	,	,	PUNCT
fsr-3555	385	10	&	&	CCONJ
fsr-3555	385	11	burić	burić	PROPN
fsr-3555	385	12	,	,	PUNCT
fsr-3555	385	13	i.	i.	NOUN
fsr-3555	385	14	(	(	PUNCT
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fsr-3555	385	16	)	)	PUNCT
fsr-3555	385	17	.	.	PUNCT
fsr-3555	386	1	big	big	ADJ
fsr-3555	386	2	five	five	NUM
fsr-3555	386	3	personality	personality	NOUN
fsr-3555	386	4	traits	trait	NOUN
fsr-3555	386	5	,	,	PUNCT
fsr-3555	386	6	cognitive	cognitive	ADJ
fsr-3555	386	7	appraisals	appraisal	NOUN
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fsr-3555	386	9	emotion	emotion	NOUN
fsr-3555	386	10	regulation	regulation	NOUN
fsr-3555	386	11	strategies	strategy	NOUN
fsr-3555	386	12	as	as	ADP
fsr-3555	386	13	predictors	predictor	NOUN
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fsr-3555	386	15	achievement	achievement	NOUN
fsr-3555	386	16	emotions	emotion	NOUN
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fsr-3555	387	1	psihologijske	psihologijske	PROPN
fsr-3555	387	2	teme	teme	PROPN
fsr-3555	387	3	,	,	PUNCT
fsr-3555	387	4	22(2	22(2	NUM
fsr-3555	387	5	)	)	PUNCT
fsr-3555	387	6	,	,	PUNCT
fsr-3555	387	7	325	325	NUM
fsr-3555	387	8	-	-	SYM
fsr-3555	387	9	349	349	NUM
fsr-3555	387	10	.	.	PUNCT
fsr-3555	388	1	https://hrcak.srce.hr/108516	https://hrcak.srce.hr/108516	X
fsr-3555	388	2	taylor‐carter	taylor‐carter	NOUN
fsr-3555	388	3	,	,	PUNCT
fsr-3555	388	4	m.	m.	NOUN
fsr-3555	388	5	a.	a.	PROPN
fsr-3555	388	6	,	,	PUNCT
fsr-3555	388	7	cook	cook	VERB
fsr-3555	388	8	,	,	PUNCT
fsr-3555	388	9	k.	k.	PROPN
fsr-3555	388	10	,	,	PUNCT
fsr-3555	388	11	&	&	CCONJ
fsr-3555	388	12	weinberg	weinberg	PROPN
fsr-3555	388	13	,	,	PUNCT
fsr-3555	388	14	c.	c.	PROPN
fsr-3555	388	15	(	(	PUNCT
fsr-3555	388	16	1997	1997	NUM
fsr-3555	388	17	)	)	PUNCT
fsr-3555	388	18	.	.	PUNCT
fsr-3555	389	1	planning	planning	NOUN
fsr-3555	389	2	and	and	CCONJ
fsr-3555	389	3	expectations	expectation	NOUN
fsr-3555	389	4	of	of	ADP
fsr-3555	389	5	the	the	DET
fsr-3555	389	6	retirement	retirement	NOUN
fsr-3555	389	7	experience	experience	NOUN
fsr-3555	389	8	.	.	PUNCT
fsr-3555	390	1	educational	educational	ADJ
fsr-3555	390	2	gerontology	gerontology	NOUN
fsr-3555	390	3	:	:	PUNCT
fsr-3555	390	4	an	an	DET
fsr-3555	390	5	international	international	ADJ
fsr-3555	390	6	quarterly	quarterly	NOUN
fsr-3555	390	7	,	,	PUNCT
fsr-3555	390	8	23(3	23(3	NUM
fsr-3555	390	9	)	)	PUNCT
fsr-3555	390	10	,	,	PUNCT
fsr-3555	390	11	273	273	NUM
fsr-3555	390	12	-	-	SYM
fsr-3555	390	13	288	288	NUM
fsr-3555	390	14	.	.	PUNCT
fsr-3555	391	1	https://doi.org/10.1080/0360127970230	https://doi.org/10.1080/0360127970230	VERB
fsr-3555	391	2	306	306	NUM
fsr-3555	392	1	the	the	DET
fsr-3555	392	2	business	business	NOUN
fsr-3555	392	3	standard	standard	NOUN
fsr-3555	392	4	.	.	PUNCT
fsr-3555	393	1	(	(	PUNCT
fsr-3555	393	2	2023	2023	NUM
fsr-3555	393	3	,	,	PUNCT
fsr-3555	393	4	october	october	PROPN
fsr-3555	393	5	22	22	NUM
fsr-3555	393	6	)	)	PUNCT
fsr-3555	393	7	.	.	PUNCT
fsr-3555	394	1	why	why	SCONJ
fsr-3555	394	2	there	there	PRON
fsr-3555	394	3	is	be	VERB
fsr-3555	394	4	n't	not	PART
fsr-3555	394	5	much	much	ADJ
fsr-3555	394	6	enthusiasm	enthusiasm	NOUN
fsr-3555	394	7	over	over	ADP
fsr-3555	394	8	universal	universal	ADJ
fsr-3555	394	9	pension	pension	NOUN
fsr-3555	394	10	anymore	anymore	ADV
fsr-3555	394	11	.	.	PUNCT
fsr-3555	395	1	available	available	ADJ
fsr-3555	395	2	at	at	ADP
fsr-3555	395	3	https://www.tbsnews.net/bangladesh/wh	https://www.tbsnews.net/bangladesh/wh	PROPN
fsr-3555	395	4	y	y	PROPN
fsr-3555	395	5	-	-	PUNCT
fsr-3555	395	6	there	there	ADV
fsr-3555	395	7	-	-	PUNCT
fsr-3555	395	8	isnt	isnt	ADJ
fsr-3555	395	9	-	-	PUNCT
fsr-3555	395	10	much	much	ADJ
fsr-3555	395	11	-	-	PUNCT
fsr-3555	395	12	enthusiasm	enthusiasm	NOUN
fsr-3555	395	13	-	-	PUNCT
fsr-3555	395	14	overuniversal	overuniversal	NOUN
fsr-3555	395	15	-	-	PUNCT
fsr-3555	395	16	pension	pension	NOUN
fsr-3555	395	17	-	-	PUNCT
fsr-3555	395	18	anymore-724694	anymore-724694	NOUN
fsr-3555	395	19	.	.	PUNCT
fsr-3555	396	1	date	date	NOUN
fsr-3555	396	2	accessed	access	VERB
fsr-3555	396	3	on	on	ADP
fsr-3555	396	4	december	december	PROPN
fsr-3555	396	5	21	21	NUM
fsr-3555	396	6	,	,	PUNCT
fsr-3555	396	7	2023	2023	NUM
fsr-3555	396	8	.	.	PUNCT
fsr-3555	397	1	van	van	PROPN
fsr-3555	397	2	rooij	rooij	NOUN
fsr-3555	397	3	,	,	PUNCT
fsr-3555	397	4	m.	m.	PROPN
fsr-3555	397	5	c.	c.	PROPN
fsr-3555	397	6	,	,	PUNCT
fsr-3555	397	7	lusardi	lusardi	PROPN
fsr-3555	397	8	,	,	PUNCT
fsr-3555	397	9	a.	a.	NOUN
fsr-3555	397	10	,	,	PUNCT
fsr-3555	397	11	&	&	CCONJ
fsr-3555	397	12	alessie	alessie	PROPN
fsr-3555	397	13	,	,	PUNCT
fsr-3555	397	14	r.	r.	PROPN
fsr-3555	397	15	j.	j.	PROPN
fsr-3555	397	16	(	(	PUNCT
fsr-3555	397	17	2012	2012	NUM
fsr-3555	397	18	)	)	PUNCT
fsr-3555	397	19	.	.	PUNCT
fsr-3555	398	1	financial	financial	ADJ
fsr-3555	398	2	literacy	literacy	NOUN
fsr-3555	398	3	,	,	PUNCT
fsr-3555	398	4	retirement	retirement	NOUN
fsr-3555	398	5	planning	planning	NOUN
fsr-3555	398	6	and	and	CCONJ
fsr-3555	398	7	household	household	NOUN
fsr-3555	398	8	wealth	wealth	NOUN
fsr-3555	398	9	.	.	PUNCT
fsr-3555	399	1	the	the	DET
fsr-3555	399	2	economic	economic	ADJ
fsr-3555	399	3	journal	journal	NOUN
fsr-3555	399	4	,	,	PUNCT
fsr-3555	399	5	122(560	122(560	NUM
fsr-3555	399	6	)	)	PUNCT
fsr-3555	399	7	,	,	PUNCT
fsr-3555	399	8	449	449	NUM
fsr-3555	399	9	-	-	SYM
fsr-3555	399	10	478	478	NUM
fsr-3555	399	11	.	.	PUNCT
fsr-3555	400	1	https://doi.org/10.1111/j.14680297.2012.02501.x	https://doi.org/10.1111/j.14680297.2012.02501.x	X
fsr-3555	400	2	yih	yih	NOUN
fsr-3555	400	3	,	,	PUNCT
fsr-3555	400	4	j.	j.	PROPN
fsr-3555	400	5	,	,	PUNCT
fsr-3555	400	6	uusberg	uusberg	PROPN
fsr-3555	400	7	,	,	PUNCT
fsr-3555	400	8	a.	a.	NOUN
fsr-3555	400	9	,	,	PUNCT
fsr-3555	400	10	taxer	taxer	PROPN
fsr-3555	400	11	,	,	PUNCT
fsr-3555	400	12	j.	j.	PROPN
fsr-3555	400	13	l.	l.	PROPN
fsr-3555	400	14	,	,	PUNCT
fsr-3555	400	15	&	&	CCONJ
fsr-3555	400	16	gross	gross	PROPN
fsr-3555	400	17	,	,	PUNCT
fsr-3555	400	18	j.	j.	PROPN
fsr-3555	400	19	j.	j.	PROPN
fsr-3555	400	20	(	(	PUNCT
fsr-3555	400	21	2019	2019	NUM
fsr-3555	400	22	)	)	PUNCT
fsr-3555	400	23	.	.	PUNCT
fsr-3555	401	1	better	well	ADV
fsr-3555	401	2	together	together	ADV
fsr-3555	401	3	:	:	PUNCT
fsr-3555	401	4	a	a	DET
fsr-3555	401	5	unified	unified	ADJ
fsr-3555	401	6	perspective	perspective	NOUN
fsr-3555	401	7	on	on	ADP
fsr-3555	401	8	appraisal	appraisal	NOUN
fsr-3555	401	9	and	and	CCONJ
fsr-3555	401	10	emotion	emotion	NOUN
fsr-3555	401	11	regulation	regulation	NOUN
fsr-3555	401	12	.	.	PUNCT
fsr-3555	402	1	cognition	cognition	NOUN
fsr-3555	402	2	and	and	CCONJ
fsr-3555	402	3	emotion	emotion	NOUN
fsr-3555	402	4	,	,	PUNCT
fsr-3555	402	5	33(1	33(1	NUM
fsr-3555	402	6	)	)	PUNCT
fsr-3555	402	7	,	,	PUNCT
fsr-3555	402	8	41	41	NUM
fsr-3555	402	9	-	-	SYM
fsr-3555	402	10	47	47	NUM
fsr-3555	402	11	.	.	PUNCT
fsr-3555	403	1	https://doi.org/10.1080/02699931.2018	https://doi.org/10.1080/02699931.2018	NOUN
fsr-3555	403	2	.	.	PUNCT
fsr-3555	404	1	1504749	1504749	NUM
fsr-3555	404	2	zia	zia	PROPN
fsr-3555	404	3	-	-	PUNCT
fsr-3555	404	4	ur	ur	INTJ
fsr-3555	404	5	-	-	PUNCT
fsr-3555	404	6	rehman	rehman	ADJ
fsr-3555	404	7	,	,	PUNCT
fsr-3555	404	8	m.	m.	NOUN
fsr-3555	404	9	,	,	PUNCT
fsr-3555	404	10	latif	latif	PROPN
fsr-3555	404	11	,	,	PUNCT
fsr-3555	404	12	k.	k.	PROPN
fsr-3555	404	13	,	,	PUNCT
fsr-3555	404	14	mohsin	mohsin	PROPN
fsr-3555	404	15	,	,	PUNCT
fsr-3555	404	16	m.	m.	NOUN
fsr-3555	404	17	,	,	PUNCT
fsr-3555	404	18	hussain	hussain	PROPN
fsr-3555	404	19	,	,	PUNCT
fsr-3555	404	20	z.	z.	PROPN
fsr-3555	404	21	,	,	PUNCT
fsr-3555	404	22	baig	baig	PROPN
fsr-3555	404	23	,	,	PUNCT
fsr-3555	404	24	s.	s.	PROPN
fsr-3555	404	25	a.	a.	PROPN
fsr-3555	404	26	,	,	PUNCT
fsr-3555	404	27	&	&	CCONJ
fsr-3555	404	28	imtiaz	imtiaz	PROPN
fsr-3555	404	29	,	,	PUNCT
fsr-3555	404	30	i.	i.	PROPN
fsr-3555	404	31	(	(	PUNCT
fsr-3555	404	32	2021	2021	NUM
fsr-3555	404	33	)	)	PUNCT
fsr-3555	404	34	.	.	PUNCT
fsr-3555	405	1	how	how	SCONJ
fsr-3555	405	2	perceived	perceive	VERB
fsr-3555	405	3	information	information	NOUN
fsr-3555	405	4	transparency	transparency	NOUN
fsr-3555	405	5	and	and	CCONJ
fsr-3555	405	6	psychological	psychological	ADJ
fsr-3555	405	7	attitude	attitude	NOUN
fsr-3555	405	8	impact	impact	NOUN
fsr-3555	405	9	on	on	ADP
fsr-3555	405	10	the	the	DET
fsr-3555	405	11	financial	financial	ADJ
fsr-3555	405	12	well	well	NOUN
fsr-3555	405	13	-	-	PUNCT
fsr-3555	405	14	being	being	NOUN
fsr-3555	405	15	:	:	PUNCT
fsr-3555	405	16	mediating	mediate	VERB
fsr-3555	405	17	role	role	NOUN
fsr-3555	405	18	of	of	ADP
fsr-3555	405	19	financial	financial	ADJ
fsr-3555	405	20	self	self	NOUN
fsr-3555	405	21	-	-	PUNCT
fsr-3555	405	22	efficacy	efficacy	NOUN
fsr-3555	405	23	.	.	PUNCT
fsr-3555	406	1	business	business	NOUN
fsr-3555	406	2	process	process	NOUN
fsr-3555	406	3	management	management	NOUN
fsr-3555	406	4	journal	journal	NOUN
fsr-3555	406	5	,	,	PUNCT
fsr-3555	406	6	27(6),1836	27(6),1836	NUM
fsr-3555	406	7	-	-	SYM
fsr-3555	406	8	1853	1853	NUM
fsr-3555	406	9	.	.	PUNCT
fsr-3555	407	1	https://doi.org/10.1108/bpmj-12-20200530	https://doi.org/10.1108/bpmj-12-20200530	X
fsr-3555	407	2	https://www.ijicc.net/images/vol10iss9/10904_samsuri_2019_e_r.pdf	https://www.ijicc.net/images/vol10iss9/10904_samsuri_2019_e_r.pdf	PROPN
fsr-3555	407	3	https://www.ijicc.net/images/vol10iss9/10904_samsuri_2019_e_r.pdf	https://www.ijicc.net/images/vol10iss9/10904_samsuri_2019_e_r.pdf	PROPN
fsr-3555	407	4	https://ssrn.com/abstract=3631012	https://ssrn.com/abstract=3631012	NOUN
fsr-3555	407	5	https://doi.org/10.3969/j.issn.1672-7347.2012.02.007	https://doi.org/10.3969/j.issn.1672-7347.2012.02.007	VERB
fsr-3555	407	6	https://doi.org/10.3969/j.issn.1672-7347.2012.02.007	https://doi.org/10.3969/j.issn.1672-7347.2012.02.007	ADJ
fsr-3555	407	7	https://hrcak.srce.hr/108516	https://hrcak.srce.hr/108516	PRON
fsr-3555	407	8	https://doi.org/10.1080/0360127970230306	https://doi.org/10.1080/0360127970230306	NOUN
fsr-3555	407	9	https://doi.org/10.1080/0360127970230306	https://doi.org/10.1080/0360127970230306	NOUN
fsr-3555	407	10	https://www.tbsnews.net/bangladesh/why-there-isnt-much-enthusiasm-over-universal-pension-anymore-724694	https://www.tbsnews.net/bangladesh/why-there-isnt-much-enthusiasm-over-universal-pension-anymore-724694	NOUN
fsr-3555	407	11	https://www.tbsnews.net/bangladesh/why-there-isnt-much-enthusiasm-over-universal-pension-anymore-724694	https://www.tbsnews.net/bangladesh/why-there-isnt-much-enthusiasm-over-universal-pension-anymore-724694	NOUN
fsr-3555	407	12	https://www.tbsnews.net/bangladesh/why-there-isnt-much-enthusiasm-over-universal-pension-anymore-724694	https://www.tbsnews.net/bangladesh/why-there-isnt-much-enthusiasm-over-universal-pension-anymore-724694	NOUN
fsr-3555	407	13	https://doi.org/10.1111/j.1468-0297.2012.02501.x	https://doi.org/10.1111/j.1468-0297.2012.02501.x	NOUN
fsr-3555	407	14	https://doi.org/10.1111/j.1468-0297.2012.02501.x	https://doi.org/10.1111/j.1468-0297.2012.02501.x	NOUN
fsr-3555	408	1	https://doi.org/10.1080/02699931.2018.1504749	https://doi.org/10.1080/02699931.2018.1504749	NOUN
fsr-3555	409	1	https://doi.org/10.1080/02699931.2018.1504749	https://doi.org/10.1080/02699931.2018.1504749	NOUN
fsr-3555	410	1	https://doi.org/10.1108/bpmj-12-2020-0530	https://doi.org/10.1108/bpmj-12-2020-0530	PROPN
fsr-3555	410	2	https://doi.org/10.1108/bpmj-12-2020-0530	https://doi.org/10.1108/bpmj-12-2020-0530	PROPN
fsr-3555	410	3	ahamed	ahamed	PROPN
fsr-3555	410	4	&	&	CCONJ
fsr-3555	410	5	limbu	limbu	PROPN
fsr-3555	410	6	93	93	NUM
fsr-3555	410	7	appendix	appendix	NOUN
fsr-3555	410	8	1	1	NUM
fsr-3555	410	9	.	.	PUNCT
fsr-3555	410	10	reliability	reliability	NOUN
fsr-3555	410	11	and	and	CCONJ
fsr-3555	410	12	validity	validity	NOUN
fsr-3555	410	13	of	of	ADP
fsr-3555	410	14	the	the	DET
fsr-3555	410	15	constructs	construct	NOUN
fsr-3555	410	16	constructs	construct	VERB
fsr-3555	410	17	cronbach	cronbach	VERB
fsr-3555	410	18	's	's	PART
fsr-3555	410	19	alpha	alpha	ADJ
fsr-3555	410	20	composite	composite	ADJ
fsr-3555	410	21	reliability	reliability	NOUN
fsr-3555	410	22	(	(	PUNCT
fsr-3555	410	23	rho_a	rho_a	NOUN
fsr-3555	410	24	)	)	PUNCT
fsr-3555	410	25	composite	composite	ADJ
fsr-3555	410	26	reliability	reliability	NOUN
fsr-3555	410	27	(	(	PUNCT
fsr-3555	410	28	rho_c	rho_c	NOUN
fsr-3555	410	29	)	)	PUNCT
fsr-3555	410	30	average	average	ADJ
fsr-3555	410	31	variance	variance	NOUN
fsr-3555	410	32	extracted	extract	VERB
fsr-3555	410	33	(	(	PUNCT
fsr-3555	410	34	ave	ave	PROPN
fsr-3555	410	35	)	)	PUNCT
fsr-3555	410	36	retirement	retirement	NOUN
fsr-3555	410	37	planning	planning	NOUN
fsr-3555	410	38	intention	intention	NOUN
fsr-3555	410	39	0.77	0.77	NUM
fsr-3555	410	40	0.78	0.78	NUM
fsr-3555	410	41	0.85	0.85	NUM
fsr-3555	410	42	0.59	0.59	NUM
fsr-3555	410	43	retirement	retirement	NOUN
fsr-3555	410	44	planning	planning	NOUN
fsr-3555	410	45	attitude	attitude	NOUN
fsr-3555	410	46	0.67	0.67	NUM
fsr-3555	410	47	0.67	0.67	NUM
fsr-3555	410	48	0.80	0.80	NUM
fsr-3555	410	49	0.51	0.51	NUM
fsr-3555	410	50	financial	financial	ADJ
fsr-3555	410	51	risk	risk	NOUN
fsr-3555	410	52	tolerance	tolerance	NOUN
fsr-3555	410	53	0.80	0.80	NUM
fsr-3555	410	54	0.80	0.80	NUM
fsr-3555	410	55	0.91	0.91	NUM
fsr-3555	410	56	0.83	0.83	NUM
fsr-3555	410	57	financial	financial	ADJ
fsr-3555	410	58	selfefficacy	selfefficacy	NOUN
fsr-3555	410	59	0.80	0.80	NUM
fsr-3555	410	60	0.83	0.83	NUM
fsr-3555	410	61	0.84	0.84	NUM
fsr-3555	410	62	0.56	0.56	NUM
fsr-3555	410	63	money	money	NOUN
fsr-3555	410	64	availability	availability	NOUN
fsr-3555	410	65	0.61	0.61	NUM
fsr-3555	410	66	0.62	0.62	NUM
fsr-3555	410	67	0.84	0.84	NUM
fsr-3555	410	68	0.72	0.72	NUM
fsr-3555	410	69	appendix	appendix	NOUN
fsr-3555	410	70	2	2	NUM
fsr-3555	410	71	.	.	PUNCT
fsr-3555	410	72	discriminant	discriminant	ADJ
fsr-3555	410	73	validity	validity	NOUN
fsr-3555	410	74	htmt	htmt	PROPN
fsr-3555	410	75	matrix	matrix	NOUN
fsr-3555	410	76	constructs	construct	VERB
fsr-3555	410	77	retirement	retirement	NOUN
fsr-3555	410	78	planning	planning	NOUN
fsr-3555	410	79	intention	intention	NOUN
fsr-3555	410	80	retirement	retirement	NOUN
fsr-3555	410	81	planning	planning	NOUN
fsr-3555	410	82	attitude	attitude	NOUN
fsr-3555	410	83	financial	financial	ADJ
fsr-3555	410	84	risk	risk	NOUN
fsr-3555	410	85	tolerance	tolerance	NOUN
fsr-3555	410	86	financial	financial	ADJ
fsr-3555	410	87	self	self	NOUN
fsr-3555	410	88	-	-	PUNCT
fsr-3555	410	89	efficacy	efficacy	NOUN
fsr-3555	410	90	money	money	NOUN
fsr-3555	410	91	availability	availability	NOUN
fsr-3555	410	92	retirement	retirement	NOUN
fsr-3555	410	93	planning	planning	NOUN
fsr-3555	410	94	intention	intention	NOUN
fsr-3555	410	95	retirement	retirement	NOUN
fsr-3555	410	96	planning	planning	NOUN
fsr-3555	410	97	attitude	attitude	NOUN
fsr-3555	410	98	0.63	0.63	NUM
fsr-3555	410	99	financial	financial	ADJ
fsr-3555	410	100	risk	risk	NOUN
fsr-3555	410	101	tolerance	tolerance	NOUN
fsr-3555	410	102	0.72	0.72	NUM
fsr-3555	410	103	0.61	0.61	NUM
fsr-3555	410	104	financial	financial	ADJ
fsr-3555	410	105	selfefficacy	selfefficacy	NOUN
fsr-3555	410	106	0.19	0.19	NUM
fsr-3555	410	107	0.40	0.40	NUM
fsr-3555	410	108	0.18	0.18	NUM
fsr-3555	410	109	money	money	NOUN
fsr-3555	410	110	availability	availability	NOUN
fsr-3555	410	111	0.38	0.38	NUM
fsr-3555	410	112	0.65	0.65	NUM
fsr-3555	410	113	0.54	0.54	NUM
fsr-3555	410	114	0.75	0.75	NUM
fsr-3555	410	115	appendix	appendix	NOUN
fsr-3555	410	116	3	3	NUM
fsr-3555	410	117	.	.	PUNCT
fsr-3555	410	118	discriminant	discriminant	ADJ
fsr-3555	410	119	validity	validity	NOUN
fsr-3555	410	120	fornell	fornell	NOUN
fsr-3555	410	121	-	-	PUNCT
fsr-3555	410	122	larcker	larcker	NOUN
fsr-3555	410	123	criterion	criterion	NOUN
fsr-3555	410	124	constructs	construct	VERB
fsr-3555	410	125	retirement	retirement	NOUN
fsr-3555	410	126	planning	planning	NOUN
fsr-3555	410	127	intention	intention	NOUN
fsr-3555	410	128	retirement	retirement	NOUN
fsr-3555	410	129	planning	planning	NOUN
fsr-3555	410	130	attitude	attitude	NOUN
fsr-3555	410	131	financial	financial	ADJ
fsr-3555	410	132	risk	risk	NOUN
fsr-3555	410	133	tolerance	tolerance	NOUN
fsr-3555	410	134	financial	financial	ADJ
fsr-3555	410	135	self	self	NOUN
fsr-3555	410	136	-	-	PUNCT
fsr-3555	410	137	efficacy	efficacy	NOUN
fsr-3555	410	138	money	money	NOUN
fsr-3555	410	139	availability	availability	NOUN
fsr-3555	410	140	retirement	retirement	NOUN
fsr-3555	410	141	planning	planning	NOUN
fsr-3555	410	142	intention	intention	NOUN
fsr-3555	410	143	0.77	0.77	NUM
fsr-3555	410	144	retirement	retirement	NOUN
fsr-3555	410	145	planning	planning	NOUN
fsr-3555	410	146	attitude	attitude	NOUN
fsr-3555	410	147	0.46	0.46	NUM
fsr-3555	410	148	0.71	0.71	NUM
fsr-3555	410	149	financial	financial	ADJ
fsr-3555	410	150	risk	risk	NOUN
fsr-3555	410	151	tolerance	tolerance	NOUN
fsr-3555	410	152	-0.57	-0.57	NOUN
fsr-3555	410	153	-0.45	-0.45	NUM
fsr-3555	410	154	0.91	0.91	NUM
fsr-3555	410	155	financial	financial	ADJ
fsr-3555	410	156	selfefficacy	selfefficacy	NOUN
fsr-3555	410	157	0.17	0.17	NUM
fsr-3555	410	158	0.41	0.41	NUM
fsr-3555	410	159	-0.23	-0.23	NUM
fsr-3555	410	160	0.75	0.75	NUM
fsr-3555	410	161	money	money	NOUN
fsr-3555	410	162	availability	availability	NOUN
fsr-3555	410	163	-0.26	-0.26	NOUN
fsr-3555	410	164	-0.41	-0.41	NUM
fsr-3555	410	165	0.37	0.37	NUM
fsr-3555	410	166	-0.56	-0.56	NUM
fsr-3555	410	167	0.85	0.85	NUM