id	sid	tid	token	lemma	pos
fsr-3578	1	1	financial	financial	PROPN
fsr-3578	1	2	services	service	NOUN
fsr-3578	1	3	review	review	PROPN
fsr-3578	1	4	,	,	PUNCT
fsr-3578	1	5	33(1	33(1	NUM
fsr-3578	1	6	)	)	PUNCT
fsr-3578	1	7	179	179	NUM
fsr-3578	1	8	does	do	VERB
fsr-3578	1	9	overspending	overspend	VERB
fsr-3578	1	10	harm	harm	NOUN
fsr-3578	1	11	retirement	retirement	NOUN
fsr-3578	1	12	preparation	preparation	NOUN
fsr-3578	1	13	?	?	PUNCT
fsr-3578	2	1	christina	christina	PROPN
fsr-3578	2	2	lynn,1	lynn,1	PROPN
fsr-3578	2	3	stuart	stuart	PROPN
fsr-3578	2	4	heckman,2	heckman,2	VERB
fsr-3578	2	5	michael	michael	PROPN
fsr-3578	2	6	kothakota,3	kothakota,3	PROPN
fsr-3578	2	7	and	and	CCONJ
fsr-3578	2	8	derek	derek	PROPN
fsr-3578	2	9	lawson4	lawson4	NOUN
fsr-3578	3	1	abstract	abstract	ADP
fsr-3578	3	2	this	this	DET
fsr-3578	3	3	study	study	NOUN
fsr-3578	3	4	addressed	address	VERB
fsr-3578	3	5	the	the	DET
fsr-3578	3	6	research	research	NOUN
fsr-3578	3	7	question	question	NOUN
fsr-3578	3	8	of	of	ADP
fsr-3578	3	9	how	how	SCONJ
fsr-3578	3	10	overspending	overspending	NOUN
fsr-3578	3	11	is	be	AUX
fsr-3578	3	12	related	relate	VERB
fsr-3578	3	13	to	to	ADP
fsr-3578	3	14	retirement	retirement	NOUN
fsr-3578	3	15	preparation	preparation	NOUN
fsr-3578	3	16	.	.	PUNCT
fsr-3578	4	1	a	a	DET
fsr-3578	4	2	commonsense	commonsense	ADJ
fsr-3578	4	3	answer	answer	NOUN
fsr-3578	4	4	to	to	ADP
fsr-3578	4	5	this	this	DET
fsr-3578	4	6	question	question	NOUN
fsr-3578	4	7	is	be	AUX
fsr-3578	4	8	this	this	PRON
fsr-3578	4	9	:	:	PUNCT
fsr-3578	4	10	overspending	overspending	NOUN
fsr-3578	4	11	should	should	AUX
fsr-3578	4	12	negatively	negatively	ADV
fsr-3578	4	13	impact	impact	VERB
fsr-3578	4	14	retirement	retirement	NOUN
fsr-3578	4	15	preparation	preparation	NOUN
fsr-3578	4	16	.	.	PUNCT
fsr-3578	5	1	however	however	ADV
fsr-3578	5	2	,	,	PUNCT
fsr-3578	5	3	the	the	DET
fsr-3578	5	4	existing	exist	VERB
fsr-3578	5	5	body	body	NOUN
fsr-3578	5	6	of	of	ADP
fsr-3578	5	7	knowledge	knowledge	NOUN
fsr-3578	5	8	does	do	AUX
fsr-3578	5	9	not	not	PART
fsr-3578	5	10	provide	provide	VERB
fsr-3578	5	11	evidence	evidence	NOUN
fsr-3578	5	12	to	to	PART
fsr-3578	5	13	support	support	VERB
fsr-3578	5	14	or	or	CCONJ
fsr-3578	5	15	deny	deny	VERB
fsr-3578	5	16	this	this	DET
fsr-3578	5	17	assumption	assumption	NOUN
fsr-3578	5	18	.	.	PUNCT
fsr-3578	6	1	the	the	DET
fsr-3578	6	2	behavioral	behavioral	ADJ
fsr-3578	6	3	life	life	NOUN
fsr-3578	6	4	cycle	cycle	NOUN
fsr-3578	6	5	hypothesis	hypothesis	NOUN
fsr-3578	6	6	was	be	AUX
fsr-3578	6	7	tested	test	VERB
fsr-3578	6	8	as	as	ADP
fsr-3578	6	9	a	a	DET
fsr-3578	6	10	theoretical	theoretical	ADJ
fsr-3578	6	11	framework	framework	NOUN
fsr-3578	6	12	to	to	PART
fsr-3578	6	13	answer	answer	VERB
fsr-3578	6	14	this	this	DET
fsr-3578	6	15	research	research	NOUN
fsr-3578	6	16	question	question	NOUN
fsr-3578	6	17	,	,	PUNCT
fsr-3578	6	18	providing	provide	VERB
fsr-3578	6	19	valuable	valuable	ADJ
fsr-3578	6	20	insight	insight	NOUN
fsr-3578	6	21	.	.	PUNCT
fsr-3578	7	1	three	three	NUM
fsr-3578	7	2	data	datum	NOUN
fsr-3578	7	3	sets	set	NOUN
fsr-3578	7	4	were	be	AUX
fsr-3578	7	5	used	use	VERB
fsr-3578	7	6	,	,	PUNCT
fsr-3578	7	7	including	include	VERB
fsr-3578	7	8	the	the	DET
fsr-3578	7	9	survey	survey	NOUN
fsr-3578	7	10	of	of	ADP
fsr-3578	7	11	household	household	NOUN
fsr-3578	7	12	economic	economic	ADJ
fsr-3578	7	13	decisionmaking	decisionmaking	NOUN
fsr-3578	7	14	(	(	PUNCT
fsr-3578	7	15	shed	shed	NOUN
fsr-3578	7	16	)	)	PUNCT
fsr-3578	7	17	,	,	PUNCT
fsr-3578	7	18	the	the	DET
fsr-3578	7	19	survey	survey	NOUN
fsr-3578	7	20	of	of	ADP
fsr-3578	7	21	consumer	consumer	NOUN
fsr-3578	7	22	sciences	science	NOUN
fsr-3578	7	23	(	(	PUNCT
fsr-3578	7	24	scf	scf	PROPN
fsr-3578	7	25	)	)	PUNCT
fsr-3578	7	26	,	,	PUNCT
fsr-3578	7	27	and	and	CCONJ
fsr-3578	7	28	the	the	DET
fsr-3578	7	29	national	national	ADJ
fsr-3578	7	30	financial	financial	ADJ
fsr-3578	7	31	capability	capability	NOUN
fsr-3578	7	32	study	study	NOUN
fsr-3578	7	33	(	(	PUNCT
fsr-3578	7	34	nfcs	nfc	NOUN
fsr-3578	7	35	)	)	PUNCT
fsr-3578	7	36	,	,	PUNCT
fsr-3578	7	37	to	to	PART
fsr-3578	7	38	conduct	conduct	VERB
fsr-3578	7	39	logit	logit	NOUN
fsr-3578	7	40	and	and	CCONJ
fsr-3578	7	41	ols	ol	NOUN
fsr-3578	7	42	regressions	regression	NOUN
fsr-3578	7	43	in	in	ADP
fsr-3578	7	44	testing	test	VERB
fsr-3578	7	45	the	the	DET
fsr-3578	7	46	hypotheses	hypothesis	NOUN
fsr-3578	7	47	.	.	PUNCT
fsr-3578	8	1	because	because	SCONJ
fsr-3578	8	2	the	the	DET
fsr-3578	8	3	overspending	overspending	NOUN
fsr-3578	8	4	measurements	measurement	NOUN
fsr-3578	8	5	were	be	AUX
fsr-3578	8	6	only	only	ADV
fsr-3578	8	7	negatively	negatively	ADV
fsr-3578	8	8	related	relate	VERB
fsr-3578	8	9	to	to	ADP
fsr-3578	8	10	retirement	retirement	NOUN
fsr-3578	8	11	preparation	preparation	NOUN
fsr-3578	8	12	in	in	ADP
fsr-3578	8	13	a	a	DET
fsr-3578	8	14	little	little	ADJ
fsr-3578	8	15	over	over	ADP
fsr-3578	8	16	half	half	DET
fsr-3578	8	17	the	the	DET
fsr-3578	8	18	analyses	analysis	NOUN
fsr-3578	8	19	,	,	PUNCT
fsr-3578	8	20	the	the	DET
fsr-3578	8	21	results	result	NOUN
fsr-3578	8	22	point	point	VERB
fsr-3578	8	23	to	to	ADP
fsr-3578	8	24	a	a	DET
fsr-3578	8	25	new	new	ADJ
fsr-3578	8	26	cultural	cultural	ADJ
fsr-3578	8	27	norm	norm	NOUN
fsr-3578	8	28	where	where	SCONJ
fsr-3578	8	29	one	one	NOUN
fsr-3578	8	30	’s	’s	PART
fsr-3578	8	31	overspending	overspend	VERB
fsr-3578	8	32	behavior	behavior	NOUN
fsr-3578	8	33	does	do	AUX
fsr-3578	8	34	not	not	PART
fsr-3578	8	35	necessarily	necessarily	ADV
fsr-3578	8	36	reflect	reflect	VERB
fsr-3578	8	37	one	one	NUM
fsr-3578	8	38	’s	’s	PART
fsr-3578	8	39	retirement	retirement	NOUN
fsr-3578	8	40	preparation	preparation	NOUN
fsr-3578	8	41	behavior	behavior	NOUN
fsr-3578	8	42	.	.	PUNCT
fsr-3578	9	1	results	result	NOUN
fsr-3578	9	2	provide	provide	VERB
fsr-3578	9	3	support	support	NOUN
fsr-3578	9	4	for	for	ADP
fsr-3578	9	5	policy	policy	NOUN
fsr-3578	9	6	actions	action	NOUN
fsr-3578	9	7	related	relate	VERB
fsr-3578	9	8	to	to	ADP
fsr-3578	9	9	tightening	tighten	VERB
fsr-3578	9	10	credit	credit	NOUN
fsr-3578	9	11	card	card	NOUN
fsr-3578	9	12	policies	policy	NOUN
fsr-3578	9	13	,	,	PUNCT
fsr-3578	9	14	exposing	expose	VERB
fsr-3578	9	15	a	a	DET
fsr-3578	9	16	lack	lack	NOUN
fsr-3578	9	17	of	of	ADP
fsr-3578	9	18	awareness	awareness	NOUN
fsr-3578	9	19	on	on	ADP
fsr-3578	9	20	overspending	overspending	NOUN
fsr-3578	9	21	,	,	PUNCT
fsr-3578	9	22	providing	provide	VERB
fsr-3578	9	23	practical	practical	ADJ
fsr-3578	9	24	approaches	approach	NOUN
fsr-3578	9	25	for	for	ADP
fsr-3578	9	26	avoiding	avoid	VERB
fsr-3578	9	27	overspending	overspending	NOUN
fsr-3578	9	28	behavior	behavior	NOUN
fsr-3578	9	29	,	,	PUNCT
fsr-3578	9	30	and	and	CCONJ
fsr-3578	9	31	the	the	DET
fsr-3578	9	32	value	value	NOUN
fsr-3578	9	33	of	of	ADP
fsr-3578	9	34	using	use	VERB
fsr-3578	9	35	multiple	multiple	ADJ
fsr-3578	9	36	data	datum	NOUN
fsr-3578	9	37	sets	set	NOUN
fsr-3578	9	38	as	as	ADP
fsr-3578	9	39	a	a	DET
fsr-3578	9	40	robustness	robustness	NOUN
fsr-3578	9	41	check	check	NOUN
fsr-3578	9	42	.	.	PUNCT
fsr-3578	10	1	creative	creative	ADJ
fsr-3578	10	2	commons	commons	PROPN
fsr-3578	10	3	license	license	NOUN
fsr-3578	10	4	this	this	DET
fsr-3578	10	5	work	work	NOUN
fsr-3578	10	6	is	be	AUX
fsr-3578	10	7	licensed	license	VERB
fsr-3578	10	8	under	under	ADP
fsr-3578	10	9	a	a	DET
fsr-3578	10	10	creative	creative	ADJ
fsr-3578	10	11	commons	common	NOUN
fsr-3578	10	12	attribution	attribution	NOUN
fsr-3578	10	13	-	-	PUNCT
fsr-3578	10	14	noncommercial	noncommercial	ADJ
fsr-3578	10	15	4.0	4.0	NUM
fsr-3578	10	16	license	license	NOUN
fsr-3578	10	17	recommended	recommend	VERB
fsr-3578	10	18	citation	citation	PROPN
fsr-3578	10	19	lynn	lynn	PROPN
fsr-3578	10	20	,	,	PUNCT
fsr-3578	10	21	c.	c.	PROPN
fsr-3578	10	22	,	,	PUNCT
fsr-3578	10	23	heckman	heckman	PROPN
fsr-3578	10	24	,	,	PUNCT
fsr-3578	10	25	s.	s.	PROPN
fsr-3578	10	26	,	,	PUNCT
fsr-3578	10	27	kothakota	kothakota	PROPN
fsr-3578	10	28	,	,	PUNCT
fsr-3578	10	29	m.	m.	NOUN
fsr-3578	10	30	,	,	PUNCT
fsr-3578	10	31	&	&	CCONJ
fsr-3578	10	32	lawson	lawson	PROPN
fsr-3578	10	33	,	,	PUNCT
fsr-3578	10	34	d.	d.	PROPN
fsr-3578	10	35	(	(	PUNCT
fsr-3578	10	36	2025	2025	NUM
fsr-3578	10	37	)	)	PUNCT
fsr-3578	10	38	.	.	PUNCT
fsr-3578	11	1	does	do	AUX
fsr-3578	11	2	overspending	overspend	VERB
fsr-3578	11	3	harm	harm	NOUN
fsr-3578	11	4	retirement	retirement	NOUN
fsr-3578	11	5	preparation	preparation	NOUN
fsr-3578	11	6	?	?	PUNCT
fsr-3578	12	1	financial	financial	ADJ
fsr-3578	12	2	services	service	NOUN
fsr-3578	12	3	review	review	PROPN
fsr-3578	12	4	,	,	PUNCT
fsr-3578	12	5	33(1	33(1	NUM
fsr-3578	12	6	)	)	PUNCT
fsr-3578	12	7	,	,	PUNCT
fsr-3578	12	8	179	179	NUM
fsr-3578	12	9	-	-	SYM
fsr-3578	12	10	204	204	NUM
fsr-3578	12	11	.	.	PUNCT
fsr-3578	12	12	introduction	introduction	NOUN
fsr-3578	12	13	does	do	AUX
fsr-3578	12	14	the	the	DET
fsr-3578	12	15	average	average	ADJ
fsr-3578	12	16	american	american	ADJ
fsr-3578	12	17	family	family	NOUN
fsr-3578	12	18	feel	feel	VERB
fsr-3578	12	19	stretched	stretch	VERB
fsr-3578	12	20	so	so	ADV
fsr-3578	12	21	thin	thin	ADJ
fsr-3578	12	22	they	they	PRON
fsr-3578	12	23	can	can	AUX
fsr-3578	12	24	not	not	PART
fsr-3578	12	25	afford	afford	VERB
fsr-3578	12	26	to	to	PART
fsr-3578	12	27	contribute	contribute	VERB
fsr-3578	12	28	to	to	ADP
fsr-3578	12	29	their	their	PRON
fsr-3578	12	30	retirement	retirement	NOUN
fsr-3578	12	31	account	account	NOUN
fsr-3578	12	32	?	?	PUNCT
fsr-3578	13	1	is	be	AUX
fsr-3578	13	2	overspending	overspend	VERB
fsr-3578	13	3	to	to	PART
fsr-3578	13	4	blame	blame	VERB
fsr-3578	13	5	?	?	PUNCT
fsr-3578	14	1	this	this	DET
fsr-3578	14	2	study	study	NOUN
fsr-3578	14	3	examines	examine	VERB
fsr-3578	14	4	the	the	DET
fsr-3578	14	5	intricate	intricate	ADJ
fsr-3578	14	6	relationship	relationship	NOUN
fsr-3578	14	7	between	between	ADP
fsr-3578	14	8	overspending	overspending	NOUN
fsr-3578	14	9	and	and	CCONJ
fsr-3578	14	10	retirement	retirement	NOUN
fsr-3578	14	11	preparation	preparation	NOUN
fsr-3578	14	12	using	use	VERB
fsr-3578	14	13	data	datum	NOUN
fsr-3578	14	14	from	from	ADP
fsr-3578	14	15	multiple	multiple	ADJ
fsr-3578	14	16	sources	source	NOUN
fsr-3578	14	17	,	,	PUNCT
fsr-3578	14	18	including	include	VERB
fsr-3578	14	19	the	the	DET
fsr-3578	14	20	survey	survey	NOUN
fsr-3578	14	21	of	of	ADP
fsr-3578	14	22	household	household	NOUN
fsr-3578	14	23	economics	economic	NOUN
fsr-3578	14	24	and	and	CCONJ
fsr-3578	14	25	decisionmaking	decisionmake	VERB
fsr-3578	14	26	(	(	PUNCT
fsr-3578	14	27	shed	shed	NOUN
fsr-3578	14	28	)	)	PUNCT
fsr-3578	14	29	,	,	PUNCT
fsr-3578	14	30	the	the	DET
fsr-3578	14	31	survey	survey	NOUN
fsr-3578	14	32	of	of	ADP
fsr-3578	14	33	consumer	consumer	NOUN
fsr-3578	14	34	finances	finance	NOUN
fsr-3578	14	35	(	(	PUNCT
fsr-3578	14	36	scf	scf	PROPN
fsr-3578	14	37	)	)	PUNCT
fsr-3578	14	38	,	,	PUNCT
fsr-3578	14	39	and	and	CCONJ
fsr-3578	14	40	the	the	DET
fsr-3578	14	41	national	national	ADJ
fsr-3578	14	42	financial	financial	ADJ
fsr-3578	14	43	capability	capability	NOUN
fsr-3578	14	44	study	study	NOUN
fsr-3578	14	45	(	(	PUNCT
fsr-3578	14	46	nfcs	nfc	NOUN
fsr-3578	14	47	)	)	PUNCT
fsr-3578	14	48	.	.	PUNCT
fsr-3578	15	1	guided	guide	VERB
fsr-3578	15	2	by	by	ADP
fsr-3578	15	3	1	1	NUM
fsr-3578	15	4	corresponding	correspond	VERB
fsr-3578	15	5	author	author	NOUN
fsr-3578	15	6	(	(	PUNCT
fsr-3578	15	7	christinalynn0809@gmail.com	christinalynn0809@gmail.com	NOUN
fsr-3578	15	8	)	)	PUNCT
fsr-3578	15	9	.	.	PUNCT
fsr-3578	16	1	kansas	kansas	PROPN
fsr-3578	16	2	state	state	PROPN
fsr-3578	16	3	university	university	PROPN
fsr-3578	16	4	,	,	PUNCT
fsr-3578	16	5	manhattan	manhattan	PROPN
fsr-3578	16	6	,	,	PUNCT
fsr-3578	16	7	ks	ks	PROPN
fsr-3578	16	8	,	,	PUNCT
fsr-3578	16	9	usa	usa	PROPN
fsr-3578	16	10	2	2	NUM
fsr-3578	16	11	kansas	kansas	PROPN
fsr-3578	16	12	state	state	PROPN
fsr-3578	16	13	university	university	PROPN
fsr-3578	16	14	,	,	PUNCT
fsr-3578	16	15	manhattan	manhattan	PROPN
fsr-3578	16	16	,	,	PUNCT
fsr-3578	16	17	ks	ks	PROPN
fsr-3578	16	18	,	,	PUNCT
fsr-3578	16	19	usa	usa	PROPN
fsr-3578	16	20	3	3	NUM
fsr-3578	16	21	kansas	kansas	PROPN
fsr-3578	16	22	state	state	PROPN
fsr-3578	16	23	university	university	PROPN
fsr-3578	16	24	,	,	PUNCT
fsr-3578	16	25	manhattan	manhattan	PROPN
fsr-3578	16	26	,	,	PUNCT
fsr-3578	16	27	ks	ks	PROPN
fsr-3578	16	28	,	,	PUNCT
fsr-3578	16	29	usa	usa	PROPN
fsr-3578	16	30	4	4	NUM
fsr-3578	16	31	kansas	kansas	PROPN
fsr-3578	16	32	state	state	PROPN
fsr-3578	16	33	university	university	PROPN
fsr-3578	16	34	,	,	PUNCT
fsr-3578	16	35	manhattan	manhattan	PROPN
fsr-3578	16	36	,	,	PUNCT
fsr-3578	16	37	ks	ks	PROPN
fsr-3578	16	38	,	,	PUNCT
fsr-3578	16	39	usa	usa	PROPN
fsr-3578	16	40	the	the	DET
fsr-3578	16	41	behavioral	behavioral	ADJ
fsr-3578	16	42	life	life	NOUN
fsr-3578	16	43	cycle	cycle	NOUN
fsr-3578	16	44	hypothesis	hypothesis	NOUN
fsr-3578	16	45	(	(	PUNCT
fsr-3578	16	46	blch	blch	PROPN
fsr-3578	16	47	)	)	PUNCT
fsr-3578	16	48	(	(	PUNCT
fsr-3578	16	49	shefrin	shefrin	NOUN
fsr-3578	16	50	&	&	CCONJ
fsr-3578	16	51	thaler	thaler	PROPN
fsr-3578	16	52	,	,	PUNCT
fsr-3578	16	53	1988	1988	NUM
fsr-3578	16	54	)	)	PUNCT
fsr-3578	16	55	,	,	PUNCT
fsr-3578	16	56	this	this	DET
fsr-3578	16	57	research	research	NOUN
fsr-3578	16	58	explores	explore	VERB
fsr-3578	16	59	the	the	DET
fsr-3578	16	60	dynamics	dynamic	NOUN
fsr-3578	16	61	of	of	ADP
fsr-3578	16	62	overspending	overspending	NOUN
fsr-3578	16	63	and	and	CCONJ
fsr-3578	16	64	its	its	PRON
fsr-3578	16	65	impact	impact	NOUN
fsr-3578	16	66	on	on	ADP
fsr-3578	16	67	retirement	retirement	NOUN
fsr-3578	16	68	preparation	preparation	NOUN
fsr-3578	16	69	behaviors	behavior	NOUN
fsr-3578	16	70	among	among	ADP
fsr-3578	16	71	average	average	ADJ
fsr-3578	16	72	working	work	VERB
fsr-3578	16	73	adults	adult	NOUN
fsr-3578	16	74	in	in	ADP
fsr-3578	16	75	the	the	DET
fsr-3578	16	76	united	united	PROPN
fsr-3578	16	77	states	states	PROPN
fsr-3578	16	78	.	.	PUNCT
fsr-3578	17	1	advisors	advisor	NOUN
fsr-3578	17	2	may	may	AUX
fsr-3578	17	3	feel	feel	VERB
fsr-3578	17	4	stumped	stumped	ADJ
fsr-3578	17	5	when	when	SCONJ
fsr-3578	17	6	advising	advise	VERB
fsr-3578	17	7	clients	client	NOUN
fsr-3578	17	8	who	who	PRON
fsr-3578	17	9	habitually	habitually	ADV
fsr-3578	17	10	overspend	overspend	VERB
fsr-3578	17	11	.	.	PUNCT
fsr-3578	18	1	this	this	DET
fsr-3578	18	2	issue	issue	NOUN
fsr-3578	18	3	is	be	AUX
fsr-3578	18	4	alarming	alarming	ADJ
fsr-3578	18	5	,	,	PUNCT
fsr-3578	18	6	as	as	SCONJ
fsr-3578	18	7	many	many	ADJ
fsr-3578	18	8	households	household	NOUN
fsr-3578	18	9	are	be	AUX
fsr-3578	18	10	ill	ill	ADV
fsr-3578	18	11	-	-	PUNCT
fsr-3578	18	12	prepared	prepared	ADJ
fsr-3578	18	13	for	for	ADP
fsr-3578	18	14	retirement	retirement	NOUN
fsr-3578	18	15	(	(	PUNCT
fsr-3578	18	16	board	board	NOUN
fsr-3578	18	17	of	of	ADP
fsr-3578	18	18	governors	governor	NOUN
fsr-3578	18	19	of	of	ADP
fsr-3578	18	20	the	the	DET
fsr-3578	18	21	federal	federal	PROPN
fsr-3578	18	22	reserve	reserve	PROPN
fsr-3578	18	23	system	system	NOUN
fsr-3578	18	24	,	,	PUNCT
fsr-3578	18	25	2021	2021	NUM
fsr-3578	18	26	)	)	PUNCT
fsr-3578	18	27	.	.	PUNCT
fsr-3578	19	1	additional	additional	ADJ
fsr-3578	19	2	challenges	challenge	NOUN
fsr-3578	19	3	,	,	PUNCT
fsr-3578	19	4	such	such	ADJ
fsr-3578	19	5	as	as	ADP
fsr-3578	19	6	longevity	longevity	NOUN
fsr-3578	19	7	risk	risk	NOUN
fsr-3578	19	8	(	(	PUNCT
fsr-3578	19	9	lim	lim	PROPN
fsr-3578	19	10	&	&	CCONJ
fsr-3578	19	11	lee	lee	PROPN
fsr-3578	19	12	,	,	PUNCT
fsr-3578	19	13	2021	2021	NUM
fsr-3578	19	14	)	)	PUNCT
fsr-3578	19	15	,	,	PUNCT
fsr-3578	19	16	rising	rise	VERB
fsr-3578	19	17	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	ADP
fsr-3578	19	18	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3578	19	19	financial	financial	ADJ
fsr-3578	19	20	services	service	NOUN
fsr-3578	19	21	review	review	PROPN
fsr-3578	19	22	,	,	PUNCT
fsr-3578	19	23	33(1	33(1	NUM
fsr-3578	19	24	)	)	PUNCT
fsr-3578	19	25	180	180	NUM
fsr-3578	19	26	inflation	inflation	NOUN
fsr-3578	19	27	(	(	PUNCT
fsr-3578	19	28	bennett	bennett	PROPN
fsr-3578	19	29	,	,	PUNCT
fsr-3578	19	30	2021	2021	NUM
fsr-3578	19	31	)	)	PUNCT
fsr-3578	19	32	,	,	PUNCT
fsr-3578	19	33	and	and	CCONJ
fsr-3578	19	34	a	a	DET
fsr-3578	19	35	general	general	ADJ
fsr-3578	19	36	lack	lack	NOUN
fsr-3578	19	37	of	of	ADP
fsr-3578	19	38	consumer	consumer	NOUN
fsr-3578	19	39	awareness	awareness	NOUN
fsr-3578	19	40	(	(	PUNCT
fsr-3578	19	41	fan	fan	NOUN
fsr-3578	19	42	et	et	PROPN
fsr-3578	19	43	al	al	PROPN
fsr-3578	19	44	.	.	PROPN
fsr-3578	19	45	,	,	PUNCT
fsr-3578	19	46	2022	2022	NUM
fsr-3578	19	47	)	)	PUNCT
fsr-3578	19	48	,	,	PUNCT
fsr-3578	19	49	exacerbate	exacerbate	VERB
fsr-3578	19	50	these	these	DET
fsr-3578	19	51	concerns	concern	NOUN
fsr-3578	19	52	for	for	ADP
fsr-3578	19	53	advisors	advisor	NOUN
fsr-3578	19	54	.	.	PUNCT
fsr-3578	20	1	while	while	SCONJ
fsr-3578	20	2	extensive	extensive	ADJ
fsr-3578	20	3	research	research	NOUN
fsr-3578	20	4	exists	exist	VERB
fsr-3578	20	5	on	on	ADP
fsr-3578	20	6	retirement	retirement	NOUN
fsr-3578	20	7	preparation	preparation	NOUN
fsr-3578	20	8	,	,	PUNCT
fsr-3578	20	9	the	the	DET
fsr-3578	20	10	specific	specific	ADJ
fsr-3578	20	11	effects	effect	NOUN
fsr-3578	20	12	of	of	ADP
fsr-3578	20	13	overspending	overspending	NOUN
fsr-3578	20	14	remain	remain	VERB
fsr-3578	20	15	underexplored	underexplored	ADJ
fsr-3578	20	16	.	.	PUNCT
fsr-3578	21	1	the	the	DET
fsr-3578	21	2	assumed	assumed	ADJ
fsr-3578	21	3	negative	negative	ADJ
fsr-3578	21	4	relationship	relationship	NOUN
fsr-3578	21	5	between	between	ADP
fsr-3578	21	6	overspending	overspending	NOUN
fsr-3578	21	7	and	and	CCONJ
fsr-3578	21	8	retirement	retirement	NOUN
fsr-3578	21	9	readiness	readiness	NOUN
fsr-3578	21	10	appears	appear	VERB
fsr-3578	21	11	logical	logical	ADJ
fsr-3578	21	12	,	,	PUNCT
fsr-3578	21	13	yet	yet	CCONJ
fsr-3578	21	14	academic	academic	ADJ
fsr-3578	21	15	evidence	evidence	NOUN
fsr-3578	21	16	is	be	AUX
fsr-3578	21	17	scant	scant	ADJ
fsr-3578	21	18	.	.	PUNCT
fsr-3578	22	1	this	this	DET
fsr-3578	22	2	study	study	NOUN
fsr-3578	22	3	seeks	seek	VERB
fsr-3578	22	4	to	to	PART
fsr-3578	22	5	address	address	VERB
fsr-3578	22	6	the	the	DET
fsr-3578	22	7	critical	critical	ADJ
fsr-3578	22	8	question	question	NOUN
fsr-3578	22	9	:	:	PUNCT
fsr-3578	22	10	does	do	AUX
fsr-3578	22	11	overspending	overspend	VERB
fsr-3578	22	12	significantly	significantly	ADV
fsr-3578	22	13	undermine	undermine	VERB
fsr-3578	22	14	retirement	retirement	NOUN
fsr-3578	22	15	preparation	preparation	NOUN
fsr-3578	22	16	?	?	PUNCT
fsr-3578	23	1	background	background	NOUN
fsr-3578	23	2	review	review	NOUN
fsr-3578	23	3	and	and	CCONJ
fsr-3578	23	4	theoretical	theoretical	ADJ
fsr-3578	23	5	orientation	orientation	NOUN
fsr-3578	23	6	retirement	retirement	NOUN
fsr-3578	23	7	preparation	preparation	NOUN
fsr-3578	23	8	retirement	retirement	NOUN
fsr-3578	23	9	preparation	preparation	NOUN
fsr-3578	23	10	involves	involve	VERB
fsr-3578	23	11	actions	action	NOUN
fsr-3578	23	12	taken	take	VERB
fsr-3578	23	13	throughout	throughout	ADP
fsr-3578	23	14	one	one	PRON
fsr-3578	23	15	's	's	PART
fsr-3578	23	16	working	work	VERB
fsr-3578	23	17	career	career	NOUN
fsr-3578	23	18	to	to	PART
fsr-3578	23	19	ensure	ensure	VERB
fsr-3578	23	20	financial	financial	ADJ
fsr-3578	23	21	wellbeing	wellbeing	NOUN
fsr-3578	23	22	in	in	ADP
fsr-3578	23	23	retirement	retirement	NOUN
fsr-3578	23	24	(	(	PUNCT
fsr-3578	23	25	muratore	muratore	PROPN
fsr-3578	23	26	&	&	CCONJ
fsr-3578	23	27	earl	earl	PROPN
fsr-3578	23	28	,	,	PUNCT
fsr-3578	23	29	2010	2010	NUM
fsr-3578	23	30	;	;	PUNCT
fsr-3578	23	31	muratore	muratore	PROPN
fsr-3578	23	32	&	&	CCONJ
fsr-3578	23	33	eckert	eckert	PROPN
fsr-3578	23	34	,	,	PUNCT
fsr-3578	23	35	2004	2004	NUM
fsr-3578	23	36	)	)	PUNCT
fsr-3578	23	37	.	.	PUNCT
fsr-3578	24	1	saving	save	VERB
fsr-3578	24	2	for	for	ADP
fsr-3578	24	3	the	the	DET
fsr-3578	24	4	future	future	NOUN
fsr-3578	24	5	is	be	AUX
fsr-3578	24	6	a	a	DET
fsr-3578	24	7	vital	vital	ADJ
fsr-3578	24	8	aspect	aspect	NOUN
fsr-3578	24	9	of	of	ADP
fsr-3578	24	10	most	most	ADJ
fsr-3578	24	11	households	household	NOUN
fsr-3578	24	12	'	'	PART
fsr-3578	24	13	personal	personal	ADJ
fsr-3578	24	14	finances	finance	NOUN
fsr-3578	24	15	.	.	PUNCT
fsr-3578	25	1	given	give	VERB
fsr-3578	25	2	that	that	DET
fsr-3578	25	3	retirement	retirement	NOUN
fsr-3578	25	4	planning	planning	NOUN
fsr-3578	25	5	is	be	AUX
fsr-3578	25	6	highly	highly	ADV
fsr-3578	25	7	individualized	individualized	ADJ
fsr-3578	25	8	,	,	PUNCT
fsr-3578	25	9	there	there	PRON
fsr-3578	25	10	is	be	VERB
fsr-3578	25	11	no	no	DET
fsr-3578	25	12	universal	universal	ADJ
fsr-3578	25	13	formula	formula	NOUN
fsr-3578	25	14	.	.	PUNCT
fsr-3578	26	1	the	the	DET
fsr-3578	26	2	key	key	NOUN
fsr-3578	26	3	to	to	ADP
fsr-3578	26	4	successful	successful	ADJ
fsr-3578	26	5	retirement	retirement	NOUN
fsr-3578	26	6	preparation	preparation	NOUN
fsr-3578	26	7	lies	lie	VERB
fsr-3578	26	8	in	in	ADP
fsr-3578	26	9	adequately	adequately	ADV
fsr-3578	26	10	planning	plan	VERB
fsr-3578	26	11	for	for	ADP
fsr-3578	26	12	one	one	NUM
fsr-3578	26	13	's	's	PART
fsr-3578	26	14	goals	goal	NOUN
fsr-3578	26	15	and	and	CCONJ
fsr-3578	26	16	needs	need	NOUN
fsr-3578	26	17	(	(	PUNCT
fsr-3578	26	18	adams	adams	PROPN
fsr-3578	26	19	&	&	CCONJ
fsr-3578	26	20	rau	rau	PROPN
fsr-3578	26	21	,	,	PUNCT
fsr-3578	26	22	2011	2011	NUM
fsr-3578	26	23	)	)	PUNCT
fsr-3578	26	24	.	.	PUNCT
fsr-3578	27	1	however	however	ADV
fsr-3578	27	2	,	,	PUNCT
fsr-3578	27	3	inadequate	inadequate	ADJ
fsr-3578	27	4	retirement	retirement	NOUN
fsr-3578	27	5	savings	saving	NOUN
fsr-3578	27	6	(	(	PUNCT
fsr-3578	27	7	board	board	NOUN
fsr-3578	27	8	of	of	ADP
fsr-3578	27	9	governors	governor	NOUN
fsr-3578	27	10	of	of	ADP
fsr-3578	27	11	the	the	DET
fsr-3578	27	12	federal	federal	PROPN
fsr-3578	27	13	reserve	reserve	PROPN
fsr-3578	27	14	system	system	NOUN
fsr-3578	27	15	,	,	PUNCT
fsr-3578	27	16	2021	2021	NUM
fsr-3578	27	17	;	;	PUNCT
fsr-3578	27	18	oakley	oakley	PROPN
fsr-3578	27	19	&	&	CCONJ
fsr-3578	27	20	kenneally	kenneally	ADV
fsr-3578	27	21	,	,	PUNCT
fsr-3578	27	22	2019	2019	NUM
fsr-3578	27	23	)	)	PUNCT
fsr-3578	27	24	,	,	PUNCT
fsr-3578	27	25	longevity	longevity	NOUN
fsr-3578	27	26	risk	risk	NOUN
fsr-3578	27	27	(	(	PUNCT
fsr-3578	27	28	lim	lim	PROPN
fsr-3578	27	29	&	&	CCONJ
fsr-3578	27	30	lee	lee	PROPN
fsr-3578	27	31	,	,	PUNCT
fsr-3578	27	32	2021	2021	NUM
fsr-3578	27	33	)	)	PUNCT
fsr-3578	27	34	,	,	PUNCT
fsr-3578	27	35	inflation	inflation	NOUN
fsr-3578	27	36	risk	risk	NOUN
fsr-3578	27	37	(	(	PUNCT
fsr-3578	27	38	bennett	bennett	NOUN
fsr-3578	27	39	,	,	PUNCT
fsr-3578	27	40	2021	2021	NUM
fsr-3578	27	41	)	)	PUNCT
fsr-3578	27	42	,	,	PUNCT
fsr-3578	27	43	and	and	CCONJ
fsr-3578	27	44	a	a	DET
fsr-3578	27	45	lack	lack	NOUN
fsr-3578	27	46	of	of	ADP
fsr-3578	27	47	consumer	consumer	NOUN
fsr-3578	27	48	awareness	awareness	NOUN
fsr-3578	27	49	(	(	PUNCT
fsr-3578	27	50	fan	fan	NOUN
fsr-3578	27	51	et	et	PROPN
fsr-3578	27	52	al	al	PROPN
fsr-3578	27	53	.	.	PROPN
fsr-3578	27	54	,	,	PUNCT
fsr-3578	27	55	2022	2022	NUM
fsr-3578	27	56	)	)	PUNCT
fsr-3578	27	57	indicate	indicate	VERB
fsr-3578	27	58	a	a	DET
fsr-3578	27	59	broader	broad	ADJ
fsr-3578	27	60	problem	problem	NOUN
fsr-3578	27	61	in	in	ADP
fsr-3578	27	62	retirement	retirement	NOUN
fsr-3578	27	63	readiness	readiness	NOUN
fsr-3578	27	64	.	.	PUNCT
fsr-3578	28	1	this	this	DET
fsr-3578	28	2	study	study	NOUN
fsr-3578	28	3	aims	aim	VERB
fsr-3578	28	4	to	to	PART
fsr-3578	28	5	better	well	ADV
fsr-3578	28	6	understand	understand	VERB
fsr-3578	28	7	why	why	SCONJ
fsr-3578	28	8	the	the	DET
fsr-3578	28	9	average	average	ADJ
fsr-3578	28	10	household	household	NOUN
fsr-3578	28	11	is	be	AUX
fsr-3578	28	12	underprepared	underprepared	ADJ
fsr-3578	28	13	for	for	ADP
fsr-3578	28	14	retirement	retirement	NOUN
fsr-3578	28	15	,	,	PUNCT
fsr-3578	28	16	despite	despite	SCONJ
fsr-3578	28	17	the	the	DET
fsr-3578	28	18	critical	critical	ADJ
fsr-3578	28	19	importance	importance	NOUN
fsr-3578	28	20	of	of	ADP
fsr-3578	28	21	retirement	retirement	NOUN
fsr-3578	28	22	planning	planning	NOUN
fsr-3578	28	23	.	.	PUNCT
fsr-3578	29	1	overspending	overspend	VERB
fsr-3578	29	2	there	there	PRON
fsr-3578	29	3	is	be	VERB
fsr-3578	29	4	no	no	DET
fsr-3578	29	5	consensus	consensus	NOUN
fsr-3578	29	6	in	in	ADP
fsr-3578	29	7	the	the	DET
fsr-3578	29	8	literature	literature	NOUN
fsr-3578	29	9	on	on	ADP
fsr-3578	29	10	why	why	SCONJ
fsr-3578	29	11	overspending	overspending	NOUN
fsr-3578	29	12	,	,	PUNCT
fsr-3578	29	13	a	a	DET
fsr-3578	29	14	self	self	NOUN
fsr-3578	29	15	-	-	PUNCT
fsr-3578	29	16	harming	harm	VERB
fsr-3578	29	17	financial	financial	ADJ
fsr-3578	29	18	behavior	behavior	NOUN
fsr-3578	29	19	,	,	PUNCT
fsr-3578	29	20	occurs	occur	VERB
fsr-3578	29	21	.	.	PUNCT
fsr-3578	30	1	possible	possible	ADJ
fsr-3578	30	2	explanations	explanation	NOUN
fsr-3578	30	3	include	include	VERB
fsr-3578	30	4	spending	spend	VERB
fsr-3578	30	5	preferences	preference	NOUN
fsr-3578	30	6	influenced	influence	VERB
fsr-3578	30	7	by	by	ADP
fsr-3578	30	8	social	social	ADJ
fsr-3578	30	9	norms	norm	NOUN
fsr-3578	30	10	and	and	CCONJ
fsr-3578	30	11	cultural	cultural	ADJ
fsr-3578	30	12	trends	trend	NOUN
fsr-3578	30	13	(	(	PUNCT
fsr-3578	30	14	cynamon	cynamon	NOUN
fsr-3578	30	15	&	&	CCONJ
fsr-3578	30	16	fazzari	fazzari	PROPN
fsr-3578	30	17	,	,	PUNCT
fsr-3578	30	18	2008	2008	NUM
fsr-3578	30	19	)	)	PUNCT
fsr-3578	30	20	,	,	PUNCT
fsr-3578	30	21	social	social	ADJ
fsr-3578	30	22	comparison	comparison	NOUN
fsr-3578	30	23	(	(	PUNCT
fsr-3578	30	24	pahlevan	pahlevan	PROPN
fsr-3578	30	25	sharif	sharif	PROPN
fsr-3578	30	26	et	et	PROPN
fsr-3578	30	27	al	al	PROPN
fsr-3578	30	28	.	.	PROPN
fsr-3578	30	29	,	,	PUNCT
fsr-3578	30	30	2022	2022	NUM
fsr-3578	30	31	;	;	PUNCT
fsr-3578	30	32	watson	watson	NOUN
fsr-3578	30	33	,	,	PUNCT
fsr-3578	30	34	2003	2003	NUM
fsr-3578	30	35	)	)	PUNCT
fsr-3578	30	36	,	,	PUNCT
fsr-3578	30	37	materialism	materialism	NOUN
fsr-3578	30	38	(	(	PUNCT
fsr-3578	30	39	kimiyagahlam	kimiyagahlam	VERB
fsr-3578	30	40	et	et	PROPN
fsr-3578	30	41	al	al	PROPN
fsr-3578	30	42	.	.	PROPN
fsr-3578	30	43	,	,	PUNCT
fsr-3578	30	44	2019	2019	NUM
fsr-3578	30	45	)	)	PUNCT
fsr-3578	30	46	,	,	PUNCT
fsr-3578	30	47	and	and	CCONJ
fsr-3578	30	48	budgeting	budgeting	NOUN
fsr-3578	30	49	behaviors	behavior	NOUN
fsr-3578	30	50	(	(	PUNCT
fsr-3578	30	51	choe	choe	PROPN
fsr-3578	30	52	&	&	CCONJ
fsr-3578	30	53	kan	kan	PROPN
fsr-3578	30	54	,	,	PUNCT
fsr-3578	30	55	2021	2021	NUM
fsr-3578	30	56	;	;	PUNCT
fsr-3578	30	57	sui	sui	PROPN
fsr-3578	30	58	et	et	PROPN
fsr-3578	30	59	al	al	PROPN
fsr-3578	30	60	.	.	PROPN
fsr-3578	30	61	,	,	PUNCT
fsr-3578	30	62	2021	2021	NUM
fsr-3578	30	63	)	)	PUNCT
fsr-3578	30	64	.	.	PUNCT
fsr-3578	31	1	other	other	ADJ
fsr-3578	31	2	researchers	researcher	NOUN
fsr-3578	31	3	highlight	highlight	VERB
fsr-3578	31	4	the	the	DET
fsr-3578	31	5	concept	concept	NOUN
fsr-3578	31	6	of	of	ADP
fsr-3578	31	7	the	the	DET
fsr-3578	31	8	"	"	PUNCT
fsr-3578	31	9	pain	pain	NOUN
fsr-3578	31	10	of	of	ADP
fsr-3578	31	11	payment	payment	NOUN
fsr-3578	31	12	"	"	PUNCT
fsr-3578	31	13	to	to	PART
fsr-3578	31	14	explain	explain	VERB
fsr-3578	31	15	overspending	overspending	NOUN
fsr-3578	31	16	(	(	PUNCT
fsr-3578	31	17	achtziger	achtziger	ADJ
fsr-3578	31	18	,	,	PUNCT
fsr-3578	31	19	2022	2022	NUM
fsr-3578	31	20	;	;	PUNCT
fsr-3578	31	21	choe	choe	PROPN
fsr-3578	31	22	&	&	CCONJ
fsr-3578	31	23	kan	kan	PROPN
fsr-3578	31	24	,	,	PUNCT
fsr-3578	31	25	2021	2021	NUM
fsr-3578	31	26	;	;	PUNCT
fsr-3578	31	27	rick	rick	PROPN
fsr-3578	31	28	,	,	PUNCT
fsr-3578	31	29	2018	2018	NUM
fsr-3578	31	30	)	)	PUNCT
fsr-3578	31	31	.	.	PUNCT
fsr-3578	32	1	"	"	PUNCT
fsr-3578	32	2	pain	pain	NOUN
fsr-3578	32	3	of	of	ADP
fsr-3578	32	4	payment	payment	NOUN
fsr-3578	32	5	"	"	PUNCT
fsr-3578	32	6	refers	refer	VERB
fsr-3578	32	7	to	to	ADP
fsr-3578	32	8	the	the	DET
fsr-3578	32	9	discomfort	discomfort	NOUN
fsr-3578	32	10	associated	associate	VERB
fsr-3578	32	11	with	with	ADP
fsr-3578	32	12	spending	spend	VERB
fsr-3578	32	13	money	money	NOUN
fsr-3578	32	14	,	,	PUNCT
fsr-3578	32	15	which	which	PRON
fsr-3578	32	16	can	can	AUX
fsr-3578	32	17	deter	deter	VERB
fsr-3578	32	18	overspending	overspending	NOUN
fsr-3578	32	19	when	when	SCONJ
fsr-3578	32	20	the	the	DET
fsr-3578	32	21	anticipated	anticipated	ADJ
fsr-3578	32	22	financial	financial	ADJ
fsr-3578	32	23	consequences	consequence	NOUN
fsr-3578	32	24	are	be	AUX
fsr-3578	32	25	significant	significant	ADJ
fsr-3578	32	26	(	(	PUNCT
fsr-3578	32	27	choe	choe	PROPN
fsr-3578	32	28	&	&	CCONJ
fsr-3578	32	29	kan	kan	PROPN
fsr-3578	32	30	,	,	PUNCT
fsr-3578	32	31	2021	2021	NUM
fsr-3578	32	32	)	)	PUNCT
fsr-3578	32	33	.	.	PUNCT
fsr-3578	33	1	despite	despite	SCONJ
fsr-3578	33	2	these	these	DET
fsr-3578	33	3	insights	insight	NOUN
fsr-3578	33	4	,	,	PUNCT
fsr-3578	33	5	little	little	ADJ
fsr-3578	33	6	is	be	AUX
fsr-3578	33	7	known	know	VERB
fsr-3578	33	8	about	about	ADP
fsr-3578	33	9	the	the	DET
fsr-3578	33	10	relationship	relationship	NOUN
fsr-3578	33	11	between	between	ADP
fsr-3578	33	12	overspending	overspending	NOUN
fsr-3578	33	13	and	and	CCONJ
fsr-3578	33	14	retirement	retirement	NOUN
fsr-3578	33	15	preparation	preparation	NOUN
fsr-3578	33	16	behavior	behavior	NOUN
fsr-3578	33	17	.	.	PUNCT
fsr-3578	34	1	behavioral	behavioral	ADJ
fsr-3578	34	2	life	life	NOUN
fsr-3578	34	3	cycle	cycle	NOUN
fsr-3578	34	4	hypothesis	hypothesis	NOUN
fsr-3578	34	5	the	the	DET
fsr-3578	34	6	blch	blch	NOUN
fsr-3578	34	7	recognizes	recognize	VERB
fsr-3578	34	8	how	how	SCONJ
fsr-3578	34	9	people	people	NOUN
fsr-3578	34	10	often	often	ADV
fsr-3578	34	11	act	act	VERB
fsr-3578	34	12	irrationally	irrationally	ADV
fsr-3578	34	13	when	when	SCONJ
fsr-3578	34	14	it	it	PRON
fsr-3578	34	15	comes	come	VERB
fsr-3578	34	16	to	to	ADP
fsr-3578	34	17	money	money	NOUN
fsr-3578	34	18	(	(	PUNCT
fsr-3578	34	19	shefrin	shefrin	NOUN
fsr-3578	34	20	&	&	CCONJ
fsr-3578	34	21	thaler	thaler	PROPN
fsr-3578	34	22	,	,	PUNCT
fsr-3578	34	23	1988	1988	NUM
fsr-3578	34	24	)	)	PUNCT
fsr-3578	34	25	.	.	PUNCT
fsr-3578	35	1	in	in	ADP
fsr-3578	35	2	contrast	contrast	NOUN
fsr-3578	35	3	to	to	ADP
fsr-3578	35	4	the	the	DET
fsr-3578	35	5	flat	flat	ADJ
fsr-3578	35	6	consumption	consumption	NOUN
fsr-3578	35	7	line	line	NOUN
fsr-3578	35	8	of	of	ADP
fsr-3578	35	9	the	the	DET
fsr-3578	35	10	lch	lch	PROPN
fsr-3578	35	11	,	,	PUNCT
fsr-3578	35	12	the	the	DET
fsr-3578	35	13	consumption	consumption	NOUN
fsr-3578	35	14	line	line	NOUN
fsr-3578	35	15	under	under	ADP
fsr-3578	35	16	the	the	DET
fsr-3578	35	17	blch	blch	NOUN
fsr-3578	35	18	model	model	NOUN
fsr-3578	35	19	may	may	AUX
fsr-3578	35	20	not	not	PART
fsr-3578	35	21	be	be	AUX
fsr-3578	35	22	straight	straight	ADJ
fsr-3578	35	23	.	.	PUNCT
fsr-3578	36	1	consumption	consumption	NOUN
fsr-3578	36	2	may	may	AUX
fsr-3578	36	3	be	be	AUX
fsr-3578	36	4	higher	high	ADJ
fsr-3578	36	5	in	in	ADP
fsr-3578	36	6	pre	pre	ADJ
fsr-3578	36	7	-	-	NOUN
fsr-3578	36	8	retirement	retirement	ADJ
fsr-3578	36	9	,	,	PUNCT
fsr-3578	36	10	due	due	ADP
fsr-3578	36	11	to	to	ADP
fsr-3578	36	12	low	low	ADJ
fsr-3578	36	13	levels	level	NOUN
fsr-3578	36	14	of	of	ADP
fsr-3578	36	15	self	self	NOUN
fsr-3578	36	16	-	-	PUNCT
fsr-3578	36	17	control	control	NOUN
fsr-3578	36	18	leading	lead	VERB
fsr-3578	36	19	to	to	ADP
fsr-3578	36	20	overspending	overspending	NOUN
fsr-3578	36	21	,	,	PUNCT
fsr-3578	36	22	and	and	CCONJ
fsr-3578	36	23	then	then	ADV
fsr-3578	36	24	decline	decline	VERB
fsr-3578	36	25	in	in	ADP
fsr-3578	36	26	later	later	ADJ
fsr-3578	36	27	years	year	NOUN
fsr-3578	36	28	due	due	ADJ
fsr-3578	36	29	to	to	ADP
fsr-3578	36	30	deficient	deficient	ADJ
fsr-3578	36	31	savings	saving	NOUN
fsr-3578	36	32	,	,	PUNCT
fsr-3578	36	33	as	as	SCONJ
fsr-3578	36	34	depicted	depict	VERB
fsr-3578	36	35	in	in	ADP
fsr-3578	36	36	figure	figure	NOUN
fsr-3578	36	37	1	1	NUM
fsr-3578	36	38	.	.	PUNCT
fsr-3578	37	1	a	a	DET
fsr-3578	37	2	dual	dual	ADJ
fsr-3578	37	3	preference	preference	NOUN
fsr-3578	37	4	framework	framework	NOUN
fsr-3578	37	5	explains	explain	VERB
fsr-3578	37	6	the	the	DET
fsr-3578	37	7	opposing	oppose	VERB
fsr-3578	37	8	forces	force	NOUN
fsr-3578	37	9	of	of	ADP
fsr-3578	37	10	the	the	DET
fsr-3578	37	11	doer	doer	NOUN
fsr-3578	37	12	and	and	CCONJ
fsr-3578	37	13	the	the	DET
fsr-3578	37	14	planner	planner	NOUN
fsr-3578	37	15	preferences	preference	NOUN
fsr-3578	37	16	in	in	ADP
fsr-3578	37	17	consumption	consumption	NOUN
fsr-3578	37	18	choices	choice	NOUN
fsr-3578	37	19	.	.	PUNCT
fsr-3578	38	1	a	a	DET
fsr-3578	38	2	doer	doer	NOUN
fsr-3578	38	3	preference	preference	NOUN
fsr-3578	38	4	is	be	AUX
fsr-3578	38	5	associated	associate	VERB
fsr-3578	38	6	with	with	ADP
fsr-3578	38	7	a	a	DET
fsr-3578	38	8	short	short	ADJ
fsr-3578	38	9	-	-	PUNCT
fsr-3578	38	10	term	term	NOUN
fsr-3578	38	11	orientation	orientation	NOUN
fsr-3578	38	12	,	,	PUNCT
fsr-3578	38	13	whereas	whereas	SCONJ
fsr-3578	38	14	planner	planner	NOUN
fsr-3578	38	15	preferences	preference	NOUN
fsr-3578	38	16	are	be	AUX
fsr-3578	38	17	associated	associate	VERB
fsr-3578	38	18	with	with	ADP
fsr-3578	38	19	a	a	DET
fsr-3578	38	20	long	long	ADJ
fsr-3578	38	21	-	-	PUNCT
fsr-3578	38	22	term	term	NOUN
fsr-3578	38	23	orientation	orientation	NOUN
fsr-3578	38	24	.	.	PUNCT
fsr-3578	39	1	among	among	ADP
fsr-3578	39	2	the	the	DET
fsr-3578	39	3	three	three	NUM
fsr-3578	39	4	behavioral	behavioral	ADJ
fsr-3578	39	5	factors	factor	NOUN
fsr-3578	39	6	identified	identify	VERB
fsr-3578	39	7	by	by	ADP
fsr-3578	39	8	the	the	DET
fsr-3578	39	9	blch	blch	PROPN
fsr-3578	39	10	,	,	PUNCT
fsr-3578	39	11	self	self	NOUN
fsr-3578	39	12	-	-	PUNCT
fsr-3578	39	13	control	control	NOUN
fsr-3578	39	14	,	,	PUNCT
fsr-3578	39	15	framing	framing	NOUN
fsr-3578	39	16	,	,	PUNCT
fsr-3578	39	17	and	and	CCONJ
fsr-3578	39	18	mental	mental	ADJ
fsr-3578	39	19	accounting	accounting	NOUN
fsr-3578	39	20	(	(	PUNCT
fsr-3578	39	21	shefrin	shefrin	NOUN
fsr-3578	39	22	&	&	CCONJ
fsr-3578	39	23	thaler	thaler	PROPN
fsr-3578	39	24	,	,	PUNCT
fsr-3578	39	25	1988	1988	NUM
fsr-3578	39	26	)	)	PUNCT
fsr-3578	39	27	,	,	PUNCT
fsr-3578	39	28	this	this	DET
fsr-3578	39	29	study	study	NOUN
fsr-3578	39	30	isolates	isolate	VERB
fsr-3578	39	31	self	self	NOUN
fsr-3578	39	32	-	-	PUNCT
fsr-3578	39	33	control	control	NOUN
fsr-3578	39	34	as	as	ADP
fsr-3578	39	35	the	the	DET
fsr-3578	39	36	behavioral	behavioral	ADJ
fsr-3578	39	37	influence	influence	NOUN
fsr-3578	39	38	impacting	impact	VERB
fsr-3578	39	39	consumption	consumption	NOUN
fsr-3578	39	40	decisions	decision	NOUN
fsr-3578	39	41	.	.	PUNCT
fsr-3578	40	1	lynn	lynn	PROPN
fsr-3578	40	2	et	et	PROPN
fsr-3578	40	3	al	al	PROPN
fsr-3578	40	4	.	.	PROPN
fsr-3578	40	5	181	181	NUM
fsr-3578	40	6	figure	figure	NOUN
fsr-3578	40	7	1	1	NUM
fsr-3578	40	8	.	.	NOUN
fsr-3578	40	9	blch	blch	PROPN
fsr-3578	40	10	and	and	CCONJ
fsr-3578	40	11	lch	lch	PROPN
fsr-3578	40	12	conceptual	conceptual	ADJ
fsr-3578	40	13	models	model	NOUN
fsr-3578	40	14	of	of	ADP
fsr-3578	40	15	consumption	consumption	NOUN
fsr-3578	40	16	note	note	NOUN
fsr-3578	40	17	:	:	PUNCT
fsr-3578	40	18	adapted	adapt	VERB
fsr-3578	40	19	from	from	ADP
fsr-3578	40	20	www.economicshelp.org	www.economicshelp.org	PROPN
fsr-3578	40	21	lch	lch	PROPN
fsr-3578	40	22	model	model	PROPN
fsr-3578	40	23	.	.	PUNCT
fsr-3578	41	1	hypothesis	hypothesis	NOUN
fsr-3578	41	2	this	this	DET
fsr-3578	41	3	study	study	NOUN
fsr-3578	41	4	proposes	propose	VERB
fsr-3578	41	5	the	the	DET
fsr-3578	41	6	following	follow	VERB
fsr-3578	41	7	hypothesis	hypothesis	NOUN
fsr-3578	41	8	:	:	PUNCT
fsr-3578	41	9	h1	h1	NOUN
fsr-3578	41	10	:	:	PUNCT
fsr-3578	41	11	overspending	overspending	NOUN
fsr-3578	41	12	is	be	AUX
fsr-3578	41	13	negatively	negatively	ADV
fsr-3578	41	14	associated	associate	VERB
fsr-3578	41	15	with	with	ADP
fsr-3578	41	16	retirement	retirement	NOUN
fsr-3578	41	17	preparation	preparation	NOUN
fsr-3578	41	18	.	.	PUNCT
fsr-3578	42	1	methodology	methodology	NOUN
fsr-3578	42	2	data	datum	NOUN
fsr-3578	42	3	sets	set	VERB
fsr-3578	42	4	this	this	DET
fsr-3578	42	5	study	study	NOUN
fsr-3578	42	6	utilized	utilize	VERB
fsr-3578	42	7	three	three	NUM
fsr-3578	42	8	separate	separate	ADJ
fsr-3578	42	9	cross	cross	ADJ
fsr-3578	42	10	-	-	ADJ
fsr-3578	42	11	sectional	sectional	ADJ
fsr-3578	42	12	datasets	dataset	NOUN
fsr-3578	42	13	:	:	PUNCT
fsr-3578	42	14	the	the	DET
fsr-3578	42	15	2019	2019	NUM
fsr-3578	42	16	shed	shed	NOUN
fsr-3578	42	17	,	,	PUNCT
fsr-3578	42	18	the	the	DET
fsr-3578	42	19	2019	2019	NUM
fsr-3578	42	20	scf	scf	PROPN
fsr-3578	42	21	,	,	PUNCT
fsr-3578	42	22	and	and	CCONJ
fsr-3578	42	23	the	the	DET
fsr-3578	42	24	2018	2018	NUM
fsr-3578	42	25	nfcs	nfc	NOUN
fsr-3578	42	26	.	.	PUNCT
fsr-3578	43	1	using	use	VERB
fsr-3578	43	2	these	these	DET
fsr-3578	43	3	nationally	nationally	ADV
fsr-3578	43	4	representative	representative	ADJ
fsr-3578	43	5	surveys	survey	NOUN
fsr-3578	43	6	adds	add	VERB
fsr-3578	43	7	to	to	ADP
fsr-3578	43	8	the	the	DET
fsr-3578	43	9	credibility	credibility	NOUN
fsr-3578	43	10	of	of	ADP
fsr-3578	43	11	the	the	DET
fsr-3578	43	12	findings	finding	NOUN
fsr-3578	43	13	because	because	SCONJ
fsr-3578	43	14	each	each	DET
fsr-3578	43	15	survey	survey	NOUN
fsr-3578	43	16	offers	offer	VERB
fsr-3578	43	17	similar	similar	ADJ
fsr-3578	43	18	yet	yet	CCONJ
fsr-3578	43	19	different	different	ADJ
fsr-3578	43	20	measures	measure	NOUN
fsr-3578	43	21	of	of	ADP
fsr-3578	43	22	the	the	DET
fsr-3578	43	23	constructs	construct	NOUN
fsr-3578	43	24	,	,	PUNCT
fsr-3578	43	25	enhancing	enhance	VERB
fsr-3578	43	26	the	the	DET
fsr-3578	43	27	study	study	NOUN
fsr-3578	43	28	’s	’s	PART
fsr-3578	43	29	robustness	robustness	NOUN
fsr-3578	43	30	.	.	PUNCT
fsr-3578	44	1	the	the	DET
fsr-3578	44	2	samples	sample	NOUN
fsr-3578	44	3	were	be	AUX
fsr-3578	44	4	limited	limit	VERB
fsr-3578	44	5	to	to	ADP
fsr-3578	44	6	full	full	ADJ
fsr-3578	44	7	-	-	PUNCT
fsr-3578	44	8	time	time	NOUN
fsr-3578	44	9	workers	worker	NOUN
fsr-3578	44	10	,	,	PUNCT
fsr-3578	44	11	assuming	assume	VERB
fsr-3578	44	12	that	that	SCONJ
fsr-3578	44	13	individuals	individual	NOUN
fsr-3578	44	14	who	who	PRON
fsr-3578	44	15	were	be	AUX
fsr-3578	44	16	not	not	PART
fsr-3578	44	17	working	work	VERB
fsr-3578	44	18	would	would	AUX
fsr-3578	44	19	not	not	PART
fsr-3578	44	20	be	be	AUX
fsr-3578	44	21	actively	actively	ADV
fsr-3578	44	22	preparing	prepare	VERB
fsr-3578	44	23	for	for	ADP
fsr-3578	44	24	retirement	retirement	NOUN
fsr-3578	44	25	.	.	PUNCT
fsr-3578	45	1	this	this	DET
fsr-3578	45	2	restriction	restriction	NOUN
fsr-3578	45	3	was	be	AUX
fsr-3578	45	4	based	base	VERB
fsr-3578	45	5	on	on	ADP
fsr-3578	45	6	a	a	DET
fsr-3578	45	7	respondent	respondent	NOUN
fsr-3578	45	8	’s	’s	PART
fsr-3578	45	9	employment	employment	NOUN
fsr-3578	45	10	status	status	NOUN
fsr-3578	45	11	in	in	ADP
fsr-3578	45	12	each	each	DET
fsr-3578	45	13	data	datum	NOUN
fsr-3578	45	14	set	set	VERB
fsr-3578	45	15	,	,	PUNCT
fsr-3578	45	16	ignoring	ignore	VERB
fsr-3578	45	17	the	the	DET
fsr-3578	45	18	employment	employment	NOUN
fsr-3578	45	19	status	status	NOUN
fsr-3578	45	20	of	of	ADP
fsr-3578	45	21	a	a	DET
fsr-3578	45	22	spouse	spouse	NOUN
fsr-3578	45	23	’s	’s	PART
fsr-3578	45	24	working	work	VERB
fsr-3578	45	25	status	status	NOUN
fsr-3578	45	26	.	.	PUNCT
fsr-3578	46	1	this	this	DET
fsr-3578	46	2	restriction	restriction	NOUN
fsr-3578	46	3	reduced	reduce	VERB
fsr-3578	46	4	the	the	DET
fsr-3578	46	5	shed	shed	ADJ
fsr-3578	46	6	sample	sample	NOUN
fsr-3578	46	7	size	size	NOUN
fsr-3578	46	8	from	from	ADP
fsr-3578	46	9	12,173	12,173	NUM
fsr-3578	46	10	to	to	ADP
fsr-3578	46	11	6,651	6,651	NUM
fsr-3578	46	12	respondents	respondent	NOUN
fsr-3578	46	13	,	,	PUNCT
fsr-3578	46	14	the	the	DET
fsr-3578	46	15	scf	scf	PROPN
fsr-3578	46	16	sample	sample	NOUN
fsr-3578	46	17	size	size	NOUN
fsr-3578	46	18	from	from	ADP
fsr-3578	46	19	5,777	5,777	NUM
fsr-3578	46	20	to	to	ADP
fsr-3578	46	21	3,361	3,361	NUM
fsr-3578	46	22	,	,	PUNCT
fsr-3578	46	23	and	and	CCONJ
fsr-3578	46	24	the	the	DET
fsr-3578	46	25	nfcs	nfcs	PROPN
fsr-3578	46	26	sample	sample	NOUN
fsr-3578	46	27	size	size	NOUN
fsr-3578	46	28	from	from	ADP
fsr-3578	46	29	5	5	NUM
fsr-3578	46	30	a	a	DET
fsr-3578	46	31	data	datum	NOUN
fsr-3578	46	32	limitation	limitation	NOUN
fsr-3578	46	33	of	of	ADP
fsr-3578	46	34	this	this	DET
fsr-3578	46	35	measurement	measurement	NOUN
fsr-3578	46	36	was	be	AUX
fsr-3578	46	37	that	that	SCONJ
fsr-3578	46	38	researchers	researcher	NOUN
fsr-3578	46	39	have	have	AUX
fsr-3578	46	40	operationalized	operationalize	VERB
fsr-3578	46	41	it	it	PRON
fsr-3578	46	42	both	both	PRON
fsr-3578	46	43	as	as	ADP
fsr-3578	46	44	spending	spend	VERB
fsr-3578	46	45	less	less	ADJ
fsr-3578	46	46	than	than	ADP
fsr-3578	46	47	income	income	NOUN
fsr-3578	46	48	(	(	PUNCT
fsr-3578	46	49	e.g.	e.g.	ADV
fsr-3578	46	50	,	,	PUNCT
fsr-3578	46	51	borsch	borsch	NOUN
fsr-3578	46	52	-	-	PUNCT
fsr-3578	46	53	supan	supan	PROPN
fsr-3578	46	54	&	&	CCONJ
fsr-3578	46	55	lusardi	lusardi	PROPN
fsr-3578	46	56	,	,	PUNCT
fsr-3578	46	57	2003	2003	NUM
fsr-3578	46	58	)	)	PUNCT
fsr-3578	46	59	as	as	ADV
fsr-3578	46	60	well	well	ADV
fsr-3578	46	61	as	as	ADP
fsr-3578	46	62	a	a	DET
fsr-3578	46	63	retirement	retirement	NOUN
fsr-3578	46	64	preparation	preparation	NOUN
fsr-3578	46	65	measurement	measurement	NOUN
fsr-3578	46	66	(	(	PUNCT
fsr-3578	46	67	e.g.	e.g.	ADV
fsr-3578	46	68	,	,	PUNCT
fsr-3578	46	69	ferdous	ferdous	ADJ
fsr-3578	46	70	et	et	PROPN
fsr-3578	46	71	al	al	PROPN
fsr-3578	46	72	.	.	PROPN
fsr-3578	46	73	,	,	PUNCT
fsr-3578	46	74	2010	2010	NUM
fsr-3578	46	75	;	;	PUNCT
fsr-3578	46	76	heckman	heckman	PROPN
fsr-3578	46	77	&	&	CCONJ
fsr-3578	46	78	hanna	hanna	PROPN
fsr-3578	46	79	,	,	PUNCT
fsr-3578	46	80	2015	2015	NUM
fsr-3578	46	81	;	;	PUNCT
fsr-3578	46	82	kim	kim	PROPN
fsr-3578	46	83	27,091	27,091	NUM
fsr-3578	46	84	to	to	ADP
fsr-3578	46	85	10,800	10,800	NUM
fsr-3578	46	86	.	.	PUNCT
fsr-3578	47	1	operationalizations	operationalization	NOUN
fsr-3578	47	2	of	of	ADP
fsr-3578	47	3	each	each	DET
fsr-3578	47	4	measure	measure	NOUN
fsr-3578	47	5	were	be	AUX
fsr-3578	47	6	based	base	VERB
fsr-3578	47	7	upon	upon	SCONJ
fsr-3578	47	8	data	datum	NOUN
fsr-3578	47	9	set	set	VERB
fsr-3578	47	10	availability	availability	NOUN
fsr-3578	47	11	.	.	PUNCT
fsr-3578	48	1	overspending	overspend	VERB
fsr-3578	48	2	variables	variable	NOUN
fsr-3578	48	3	from	from	ADP
fsr-3578	48	4	an	an	DET
fsr-3578	48	5	advisor	advisor	NOUN
fsr-3578	48	6	’s	’s	PART
fsr-3578	48	7	perspective	perspective	NOUN
fsr-3578	48	8	,	,	PUNCT
fsr-3578	48	9	overspending	overspending	NOUN
fsr-3578	48	10	is	be	AUX
fsr-3578	48	11	straightforward	straightforward	ADJ
fsr-3578	48	12	to	to	PART
fsr-3578	48	13	measure	measure	VERB
fsr-3578	48	14	:	:	PUNCT
fsr-3578	48	15	it	it	PRON
fsr-3578	48	16	occurs	occur	VERB
fsr-3578	48	17	when	when	SCONJ
fsr-3578	48	18	spending	spend	VERB
fsr-3578	48	19	exceeds	exceed	VERB
fsr-3578	48	20	income	income	NOUN
fsr-3578	48	21	.	.	PUNCT
fsr-3578	49	1	to	to	PART
fsr-3578	49	2	evaluate	evaluate	VERB
fsr-3578	49	3	overspending	overspending	NOUN
fsr-3578	49	4	,	,	PUNCT
fsr-3578	49	5	one	one	NUM
fsr-3578	49	6	subjective	subjective	ADJ
fsr-3578	49	7	and	and	CCONJ
fsr-3578	49	8	three	three	NUM
fsr-3578	49	9	objective	objective	ADJ
fsr-3578	49	10	measures	measure	NOUN
fsr-3578	49	11	are	be	AUX
fsr-3578	49	12	utilized	utilize	VERB
fsr-3578	49	13	,	,	PUNCT
fsr-3578	49	14	offering	offer	VERB
fsr-3578	49	15	different	different	ADJ
fsr-3578	49	16	perspectives	perspective	NOUN
fsr-3578	49	17	and	and	CCONJ
fsr-3578	49	18	enabling	enable	VERB
fsr-3578	49	19	a	a	DET
fsr-3578	49	20	comprehensive	comprehensive	ADJ
fsr-3578	49	21	analysis	analysis	NOUN
fsr-3578	49	22	of	of	ADP
fsr-3578	49	23	the	the	DET
fsr-3578	49	24	phenomenon	phenomenon	NOUN
fsr-3578	49	25	.	.	PUNCT
fsr-3578	50	1	spending	spend	VERB
fsr-3578	50	2	more	more	ADJ
fsr-3578	50	3	than	than	ADP
fsr-3578	50	4	income	income	NOUN
fsr-3578	50	5	.	.	PUNCT
fsr-3578	51	1	operationalizing	operationalize	VERB
fsr-3578	51	2	overspending	overspending	NOUN
fsr-3578	51	3	with	with	ADP
fsr-3578	51	4	spending	spend	VERB
fsr-3578	51	5	more	more	ADJ
fsr-3578	51	6	than	than	ADP
fsr-3578	51	7	income	income	NOUN
fsr-3578	51	8	(	(	PUNCT
fsr-3578	51	9	smti	smti	PROPN
fsr-3578	51	10	)	)	PUNCT
fsr-3578	51	11	was	be	AUX
fsr-3578	51	12	consistent	consistent	ADJ
fsr-3578	51	13	with	with	ADP
fsr-3578	51	14	prior	prior	ADJ
fsr-3578	51	15	research	research	NOUN
fsr-3578	51	16	(	(	PUNCT
fsr-3578	51	17	borsch	borsch	NOUN
fsr-3578	51	18	-	-	PUNCT
fsr-3578	51	19	supan	supan	PROPN
fsr-3578	51	20	&	&	CCONJ
fsr-3578	51	21	lusardi	lusardi	PROPN
fsr-3578	51	22	,	,	PUNCT
fsr-3578	51	23	2003).5	2003).5	NUM
fsr-3578	52	1	if	if	SCONJ
fsr-3578	52	2	income	income	NOUN
fsr-3578	52	3	exceeds	exceed	VERB
fsr-3578	52	4	expenditures	expenditure	NOUN
fsr-3578	52	5	,	,	PUNCT
fsr-3578	52	6	the	the	DET
fsr-3578	52	7	household	household	NOUN
fsr-3578	52	8	was	be	AUX
fsr-3578	52	9	assumed	assume	VERB
fsr-3578	52	10	to	to	PART
fsr-3578	52	11	be	be	AUX
fsr-3578	52	12	saving	save	VERB
fsr-3578	52	13	.	.	PUNCT
fsr-3578	53	1	if	if	SCONJ
fsr-3578	53	2	expenditures	expenditure	NOUN
fsr-3578	53	3	exceed	exceed	VERB
fsr-3578	53	4	income	income	NOUN
fsr-3578	53	5	,	,	PUNCT
fsr-3578	53	6	the	the	DET
fsr-3578	53	7	household	household	NOUN
fsr-3578	53	8	was	be	AUX
fsr-3578	53	9	assumed	assume	VERB
fsr-3578	53	10	to	to	PART
fsr-3578	53	11	be	be	AUX
fsr-3578	53	12	overspending	overspend	VERB
fsr-3578	53	13	.	.	PUNCT
fsr-3578	54	1	the	the	DET
fsr-3578	54	2	survey	survey	NOUN
fsr-3578	54	3	question	question	NOUN
fsr-3578	54	4	used	use	VERB
fsr-3578	54	5	to	to	PART
fsr-3578	54	6	operationalize	operationalize	VERB
fsr-3578	54	7	smti	smti	PROPN
fsr-3578	54	8	was	be	AUX
fsr-3578	54	9	similar	similar	ADJ
fsr-3578	54	10	in	in	ADP
fsr-3578	54	11	all	all	DET
fsr-3578	54	12	three	three	NUM
fsr-3578	54	13	data	datum	NOUN
fsr-3578	54	14	sets	set	NOUN
fsr-3578	54	15	,	,	PUNCT
fsr-3578	54	16	and	and	CCONJ
fsr-3578	54	17	read	read	VERB
fsr-3578	54	18	as	as	ADP
fsr-3578	54	19	,	,	PUNCT
fsr-3578	54	20	“	"	PUNCT
fsr-3578	54	21	over	over	ADP
fsr-3578	54	22	the	the	DET
fsr-3578	54	23	past	past	ADJ
fsr-3578	54	24	year	year	NOUN
fsr-3578	54	25	,	,	PUNCT
fsr-3578	54	26	would	would	AUX
fsr-3578	54	27	you	you	PRON
fsr-3578	54	28	say	say	VERB
fsr-3578	54	29	your	your	PRON
fsr-3578	54	30	household	household	NOUN
fsr-3578	54	31	’s	’s	PART
fsr-3578	54	32	spending	spending	NOUN
fsr-3578	54	33	was	be	AUX
fsr-3578	54	34	less	less	ADJ
fsr-3578	54	35	than	than	ADP
fsr-3578	54	36	,	,	PUNCT
fsr-3578	54	37	more	more	ADJ
fsr-3578	54	38	than	than	ADP
fsr-3578	54	39	,	,	PUNCT
fsr-3578	54	40	or	or	CCONJ
fsr-3578	54	41	equal	equal	ADJ
fsr-3578	54	42	to	to	ADP
fsr-3578	54	43	your	your	PRON
fsr-3578	54	44	household	household	NOUN
fsr-3578	54	45	’s	’s	PART
fsr-3578	54	46	income	income	NOUN
fsr-3578	54	47	?	?	PUNCT
fsr-3578	54	48	”	"	PUNCT
fsr-3578	54	49	&	&	CCONJ
fsr-3578	54	50	hanna	hanna	PROPN
fsr-3578	54	51	,	,	PUNCT
fsr-3578	54	52	2017	2017	NUM
fsr-3578	54	53	;	;	PUNCT
fsr-3578	54	54	yuh	yuh	PROPN
fsr-3578	54	55	&	&	CCONJ
fsr-3578	54	56	hanna	hanna	PROPN
fsr-3578	54	57	,	,	PUNCT
fsr-3578	54	58	2010	2010	NUM
fsr-3578	54	59	)	)	PUNCT
fsr-3578	54	60	.	.	PUNCT
fsr-3578	55	1	because	because	SCONJ
fsr-3578	55	2	retirement	retirement	NOUN
fsr-3578	55	3	preparation	preparation	NOUN
fsr-3578	55	4	was	be	AUX
fsr-3578	55	5	not	not	PART
fsr-3578	55	6	operationalized	operationalize	VERB
fsr-3578	55	7	in	in	ADP
fsr-3578	55	8	this	this	DET
fsr-3578	55	9	way	way	NOUN
fsr-3578	55	10	in	in	ADP
fsr-3578	55	11	the	the	DET
fsr-3578	55	12	current	current	ADJ
fsr-3578	55	13	study	study	NOUN
fsr-3578	55	14	,	,	PUNCT
fsr-3578	55	15	it	it	PRON
fsr-3578	55	16	was	be	AUX
fsr-3578	55	17	assumed	assume	VERB
fsr-3578	55	18	to	to	PART
fsr-3578	55	19	not	not	PART
fsr-3578	55	20	cause	cause	VERB
fsr-3578	55	21	any	any	DET
fsr-3578	55	22	methodological	methodological	ADJ
fsr-3578	55	23	concerns	concern	NOUN
fsr-3578	55	24	,	,	PUNCT
fsr-3578	55	25	but	but	CCONJ
fsr-3578	55	26	still	still	ADV
fsr-3578	55	27	warranted	warrant	VERB
fsr-3578	55	28	disclosure	disclosure	NOUN
fsr-3578	55	29	.	.	PUNCT
fsr-3578	56	1	http://www.economicshelp.org/	http://www.economicshelp.org/	X
fsr-3578	56	2	financial	financial	PROPN
fsr-3578	56	3	services	services	PROPN
fsr-3578	56	4	review	review	PROPN
fsr-3578	56	5	,	,	PUNCT
fsr-3578	56	6	33(1	33(1	NUM
fsr-3578	56	7	)	)	PUNCT
fsr-3578	56	8	182	182	NUM
fsr-3578	56	9	only	only	ADV
fsr-3578	56	10	respondents	respondent	NOUN
fsr-3578	56	11	that	that	PRON
fsr-3578	56	12	selected	select	VERB
fsr-3578	56	13	smti	smti	PROPN
fsr-3578	56	14	were	be	AUX
fsr-3578	56	15	treated	treat	VERB
fsr-3578	56	16	as	as	ADP
fsr-3578	56	17	overspending	overspending	NOUN
fsr-3578	56	18	.	.	PUNCT
fsr-3578	57	1	the	the	DET
fsr-3578	57	2	22	22	NUM
fsr-3578	57	3	responses	response	NOUN
fsr-3578	57	4	in	in	ADP
fsr-3578	57	5	the	the	DET
fsr-3578	57	6	shed	shed	NOUN
fsr-3578	57	7	and	and	CCONJ
fsr-3578	57	8	290	290	NUM
fsr-3578	57	9	in	in	ADP
fsr-3578	57	10	the	the	DET
fsr-3578	57	11	nfcs	nfc	NOUN
fsr-3578	57	12	of	of	ADP
fsr-3578	57	13	“	"	PUNCT
fsr-3578	57	14	do	do	AUX
fsr-3578	57	15	n’t	not	PART
fsr-3578	57	16	know	know	VERB
fsr-3578	57	17	”	"	PUNCT
fsr-3578	57	18	or	or	CCONJ
fsr-3578	57	19	“	"	PUNCT
fsr-3578	57	20	prefer	prefer	VERB
fsr-3578	57	21	not	not	PART
fsr-3578	57	22	to	to	PART
fsr-3578	57	23	say	say	VERB
fsr-3578	57	24	”	"	PUNCT
fsr-3578	57	25	were	be	AUX
fsr-3578	57	26	treated	treat	VERB
fsr-3578	57	27	as	as	ADP
fsr-3578	57	28	missing	miss	VERB
fsr-3578	57	29	data	datum	NOUN
fsr-3578	57	30	.	.	PUNCT
fsr-3578	58	1	revolving	revolve	VERB
fsr-3578	58	2	credit	credit	NOUN
fsr-3578	58	3	card	card	NOUN
fsr-3578	58	4	debt	debt	NOUN
fsr-3578	58	5	.	.	PUNCT
fsr-3578	59	1	experts	expert	NOUN
fsr-3578	59	2	suggest	suggest	VERB
fsr-3578	59	3	that	that	SCONJ
fsr-3578	59	4	credit	credit	NOUN
fsr-3578	59	5	cards	card	NOUN
fsr-3578	59	6	facilitate	facilitate	VERB
fsr-3578	59	7	overspending	overspending	NOUN
fsr-3578	59	8	because	because	SCONJ
fsr-3578	59	9	they	they	PRON
fsr-3578	59	10	were	be	AUX
fsr-3578	59	11	easy	easy	ADJ
fsr-3578	59	12	to	to	PART
fsr-3578	59	13	obtain	obtain	VERB
fsr-3578	59	14	and	and	CCONJ
fsr-3578	59	15	use	use	VERB
fsr-3578	59	16	,	,	PUNCT
fsr-3578	59	17	they	they	PRON
fsr-3578	59	18	reduce	reduce	VERB
fsr-3578	59	19	the	the	DET
fsr-3578	59	20	pain	pain	NOUN
fsr-3578	59	21	of	of	ADP
fsr-3578	59	22	payment	payment	NOUN
fsr-3578	59	23	,	,	PUNCT
fsr-3578	59	24	and	and	CCONJ
fsr-3578	59	25	the	the	DET
fsr-3578	59	26	credit	credit	NOUN
fsr-3578	59	27	limit	limit	NOUN
fsr-3578	59	28	and	and	CCONJ
fsr-3578	59	29	minimum	minimum	NOUN
fsr-3578	59	30	payment	payment	NOUN
fsr-3578	59	31	due	due	ADJ
fsr-3578	59	32	displayed	display	VERB
fsr-3578	59	33	on	on	ADP
fsr-3578	59	34	statements	statement	NOUN
fsr-3578	59	35	may	may	AUX
fsr-3578	59	36	act	act	VERB
fsr-3578	59	37	as	as	ADP
fsr-3578	59	38	anchors	anchor	NOUN
fsr-3578	59	39	that	that	PRON
fsr-3578	59	40	induce	induce	VERB
fsr-3578	59	41	higher	high	ADJ
fsr-3578	59	42	levels	level	NOUN
fsr-3578	59	43	of	of	ADP
fsr-3578	59	44	consumption	consumption	NOUN
fsr-3578	59	45	gärling	gärling	NOUN
fsr-3578	59	46	&	&	CCONJ
fsr-3578	59	47	ranyard	ranyard	NOUN
fsr-3578	59	48	,	,	PUNCT
fsr-3578	59	49	2020	2020	NUM
fsr-3578	59	50	.	.	PUNCT
fsr-3578	60	1	revolving	revolve	VERB
fsr-3578	60	2	credit	credit	NOUN
fsr-3578	60	3	card	card	NOUN
fsr-3578	60	4	debt	debt	NOUN
fsr-3578	60	5	(	(	PUNCT
fsr-3578	60	6	rccd	rccd	PROPN
fsr-3578	60	7	)	)	PUNCT
fsr-3578	60	8	was	be	AUX
fsr-3578	60	9	also	also	ADV
fsr-3578	60	10	considered	consider	VERB
fsr-3578	60	11	financially	financially	ADV
fsr-3578	60	12	damaging	damaging	ADJ
fsr-3578	60	13	because	because	SCONJ
fsr-3578	60	14	of	of	ADP
fsr-3578	60	15	the	the	DET
fsr-3578	60	16	interest	interest	NOUN
fsr-3578	60	17	and	and	CCONJ
fsr-3578	60	18	fees	fee	NOUN
fsr-3578	60	19	charged	charge	VERB
fsr-3578	60	20	.	.	PUNCT
fsr-3578	61	1	all	all	DET
fsr-3578	61	2	three	three	NUM
fsr-3578	61	3	surveys	survey	NOUN
fsr-3578	61	4	had	have	VERB
fsr-3578	61	5	similar	similar	ADJ
fsr-3578	61	6	questions	question	NOUN
fsr-3578	61	7	to	to	PART
fsr-3578	61	8	operationalize	operationalize	VERB
fsr-3578	61	9	rccd	rccd	NOUN
fsr-3578	61	10	.	.	PUNCT
fsr-3578	62	1	if	if	SCONJ
fsr-3578	62	2	a	a	DET
fsr-3578	62	3	respondent	respondent	NOUN
fsr-3578	62	4	indicated	indicate	VERB
fsr-3578	62	5	that	that	SCONJ
fsr-3578	62	6	they	they	PRON
fsr-3578	62	7	had	have	VERB
fsr-3578	62	8	a	a	DET
fsr-3578	62	9	credit	credit	NOUN
fsr-3578	62	10	card	card	NOUN
fsr-3578	62	11	and	and	CCONJ
fsr-3578	62	12	did	do	AUX
fsr-3578	62	13	not	not	PART
fsr-3578	62	14	pay	pay	VERB
fsr-3578	62	15	off	off	ADP
fsr-3578	62	16	the	the	DET
fsr-3578	62	17	balance	balance	NOUN
fsr-3578	62	18	every	every	DET
fsr-3578	62	19	month	month	NOUN
fsr-3578	62	20	,	,	PUNCT
fsr-3578	62	21	they	they	PRON
fsr-3578	62	22	were	be	AUX
fsr-3578	62	23	treated	treat	VERB
fsr-3578	62	24	as	as	ADP
fsr-3578	62	25	rccd	rccd	NOUN
fsr-3578	62	26	.	.	PUNCT
fsr-3578	63	1	the	the	DET
fsr-3578	63	2	measure	measure	NOUN
fsr-3578	63	3	had	have	VERB
fsr-3578	63	4	three	three	NUM
fsr-3578	63	5	categories	category	NOUN
fsr-3578	63	6	:	:	PUNCT
fsr-3578	63	7	(	(	PUNCT
fsr-3578	63	8	a	a	X
fsr-3578	63	9	)	)	PUNCT
fsr-3578	63	10	credit	credit	NOUN
fsr-3578	63	11	card	card	NOUN
fsr-3578	63	12	revolvers	revolver	NOUN
fsr-3578	63	13	,	,	PUNCT
fsr-3578	63	14	(	(	PUNCT
fsr-3578	63	15	b	b	X
fsr-3578	63	16	)	)	PUNCT
fsr-3578	63	17	noncredit	noncredit	NOUN
fsr-3578	63	18	card	card	NOUN
fsr-3578	63	19	revolvers	revolver	NOUN
fsr-3578	63	20	,	,	PUNCT
fsr-3578	63	21	and	and	CCONJ
fsr-3578	63	22	(	(	PUNCT
fsr-3578	63	23	c	c	NOUN
fsr-3578	63	24	)	)	PUNCT
fsr-3578	63	25	non	non	ADJ
fsr-3578	63	26	-	-	ADJ
fsr-3578	63	27	credit	credit	ADJ
fsr-3578	63	28	card	card	NOUN
fsr-3578	63	29	holders	holder	NOUN
fsr-3578	63	30	.	.	PUNCT
fsr-3578	64	1	the	the	DET
fsr-3578	64	2	23	23	NUM
fsr-3578	64	3	“	"	PUNCT
fsr-3578	64	4	do	do	AUX
fsr-3578	64	5	n’t	not	PART
fsr-3578	64	6	know	know	VERB
fsr-3578	64	7	”	"	PUNCT
fsr-3578	64	8	or	or	CCONJ
fsr-3578	64	9	“	"	PUNCT
fsr-3578	64	10	prefer	prefer	VERB
fsr-3578	64	11	not	not	PART
fsr-3578	64	12	to	to	PART
fsr-3578	64	13	say	say	VERB
fsr-3578	64	14	”	"	PUNCT
fsr-3578	64	15	observations	observation	NOUN
fsr-3578	64	16	in	in	ADP
fsr-3578	64	17	the	the	DET
fsr-3578	64	18	shed	shed	NOUN
fsr-3578	64	19	and	and	CCONJ
fsr-3578	64	20	190	190	NUM
fsr-3578	64	21	in	in	ADP
fsr-3578	64	22	the	the	DET
fsr-3578	64	23	nfcs	nfc	NOUN
fsr-3578	64	24	were	be	AUX
fsr-3578	64	25	treated	treat	VERB
fsr-3578	64	26	as	as	ADP
fsr-3578	64	27	missing	miss	VERB
fsr-3578	64	28	data	datum	NOUN
fsr-3578	64	29	.	.	PUNCT
fsr-3578	65	1	alternative	alternative	ADJ
fsr-3578	65	2	financial	financial	ADJ
fsr-3578	65	3	service	service	NOUN
fsr-3578	65	4	usage	usage	NOUN
fsr-3578	65	5	.	.	PUNCT
fsr-3578	66	1	alternative	alternative	ADJ
fsr-3578	66	2	financial	financial	ADJ
fsr-3578	66	3	services	service	NOUN
fsr-3578	66	4	(	(	PUNCT
fsr-3578	66	5	afs	afs	NOUN
fsr-3578	66	6	)	)	PUNCT
fsr-3578	66	7	usage	usage	NOUN
fsr-3578	66	8	was	be	AUX
fsr-3578	66	9	a	a	DET
fsr-3578	66	10	third	third	ADJ
fsr-3578	66	11	measure	measure	NOUN
fsr-3578	66	12	of	of	ADP
fsr-3578	66	13	overspending	overspending	NOUN
fsr-3578	66	14	.	.	PUNCT
fsr-3578	67	1	afs	afs	PROPN
fsr-3578	67	2	were	be	AUX
fsr-3578	67	3	highcost	highcost	ADJ
fsr-3578	67	4	debt	debt	NOUN
fsr-3578	67	5	instruments	instrument	NOUN
fsr-3578	67	6	,	,	PUNCT
fsr-3578	67	7	such	such	ADJ
fsr-3578	67	8	as	as	ADP
fsr-3578	67	9	payday	payday	NOUN
fsr-3578	67	10	loans	loan	NOUN
fsr-3578	67	11	or	or	CCONJ
fsr-3578	67	12	tax	tax	NOUN
fsr-3578	67	13	refund	refund	NOUN
fsr-3578	67	14	anticipation	anticipation	NOUN
fsr-3578	67	15	loans	loan	NOUN
fsr-3578	67	16	,	,	PUNCT
fsr-3578	67	17	(	(	PUNCT
fsr-3578	67	18	robb	robb	NOUN
fsr-3578	67	19	et	et	PROPN
fsr-3578	67	20	al	al	PROPN
fsr-3578	67	21	.	.	PROPN
fsr-3578	67	22	,	,	PUNCT
fsr-3578	67	23	2015	2015	NUM
fsr-3578	67	24	)	)	PUNCT
fsr-3578	67	25	used	use	VERB
fsr-3578	67	26	to	to	PART
fsr-3578	67	27	“	"	PUNCT
fsr-3578	67	28	…	…	PUNCT
fsr-3578	67	29	fund	fund	NOUN
fsr-3578	67	30	purchases	purchase	NOUN
fsr-3578	67	31	of	of	ADP
fsr-3578	67	32	desired	desire	VERB
fsr-3578	67	33	consumer	consumer	NOUN
fsr-3578	67	34	products	product	NOUN
fsr-3578	67	35	”	"	PUNCT
fsr-3578	67	36	(	(	PUNCT
fsr-3578	67	37	gärling	gärling	NOUN
fsr-3578	67	38	&	&	CCONJ
fsr-3578	67	39	ranyard	ranyard	NOUN
fsr-3578	67	40	,	,	PUNCT
fsr-3578	67	41	2020	2020	NUM
fsr-3578	67	42	,	,	PUNCT
fsr-3578	67	43	p.	p.	NOUN
fsr-3578	67	44	272	272	NUM
fsr-3578	67	45	)	)	PUNCT
fsr-3578	67	46	.	.	PUNCT
fsr-3578	68	1	because	because	SCONJ
fsr-3578	68	2	afs	afs	NOUN
fsr-3578	68	3	products	product	NOUN
fsr-3578	68	4	were	be	AUX
fsr-3578	68	5	egregiously	egregiously	ADV
fsr-3578	68	6	financially	financially	ADV
fsr-3578	68	7	disadvantageous	disadvantageous	ADJ
fsr-3578	68	8	to	to	ADP
fsr-3578	68	9	the	the	DET
fsr-3578	68	10	consumer	consumer	NOUN
fsr-3578	68	11	,	,	PUNCT
fsr-3578	68	12	utilizing	utilize	VERB
fsr-3578	68	13	them	they	PRON
fsr-3578	68	14	indicated	indicate	VERB
fsr-3578	68	15	spending	spending	NOUN
fsr-3578	68	16	beyond	beyond	ADP
fsr-3578	68	17	one	one	NUM
fsr-3578	68	18	’s	’s	PART
fsr-3578	68	19	budget	budget	NOUN
fsr-3578	68	20	.	.	PUNCT
fsr-3578	69	1	with	with	ADP
fsr-3578	69	2	the	the	DET
fsr-3578	69	3	shed	shed	NOUN
fsr-3578	69	4	,	,	PUNCT
fsr-3578	69	5	if	if	SCONJ
fsr-3578	69	6	a	a	DET
fsr-3578	69	7	respondent	respondent	NOUN
fsr-3578	69	8	indicated	indicate	VERB
fsr-3578	69	9	they	they	PRON
fsr-3578	69	10	had	have	AUX
fsr-3578	69	11	used	use	VERB
fsr-3578	69	12	either	either	CCONJ
fsr-3578	69	13	a	a	DET
fsr-3578	69	14	payday	payday	NOUN
fsr-3578	69	15	loan	loan	NOUN
fsr-3578	69	16	,	,	PUNCT
fsr-3578	69	17	auto	auto	NOUN
fsr-3578	69	18	title	title	NOUN
fsr-3578	69	19	loan	loan	NOUN
fsr-3578	69	20	,	,	PUNCT
fsr-3578	69	21	or	or	CCONJ
fsr-3578	69	22	a	a	DET
fsr-3578	69	23	pawn	pawn	NOUN
fsr-3578	69	24	shop	shop	NOUN
fsr-3578	69	25	loan	loan	NOUN
fsr-3578	69	26	,	,	PUNCT
fsr-3578	69	27	or	or	CCONJ
fsr-3578	69	28	a	a	DET
fsr-3578	69	29	tax	tax	NOUN
fsr-3578	69	30	refund	refund	NOUN
fsr-3578	69	31	advance	advance	NOUN
fsr-3578	69	32	in	in	ADP
fsr-3578	69	33	the	the	DET
fsr-3578	69	34	past	past	ADJ
fsr-3578	69	35	12	12	NUM
fsr-3578	69	36	months	month	NOUN
fsr-3578	69	37	,	,	PUNCT
fsr-3578	69	38	they	they	PRON
fsr-3578	69	39	were	be	AUX
fsr-3578	69	40	treated	treat	VERB
fsr-3578	69	41	as	as	ADP
fsr-3578	69	42	overspending	overspending	NOUN
fsr-3578	69	43	.	.	PUNCT
fsr-3578	70	1	the	the	DET
fsr-3578	70	2	26	26	NUM
fsr-3578	70	3	“	"	PUNCT
fsr-3578	70	4	refused	refuse	VERB
fsr-3578	70	5	to	to	PART
fsr-3578	70	6	answer	answer	VERB
fsr-3578	70	7	”	"	PUNCT
fsr-3578	70	8	observations	observation	NOUN
fsr-3578	70	9	were	be	AUX
fsr-3578	70	10	treated	treat	VERB
fsr-3578	70	11	as	as	ADP
fsr-3578	70	12	missing	miss	VERB
fsr-3578	70	13	data	datum	NOUN
fsr-3578	70	14	.	.	PUNCT
fsr-3578	71	1	the	the	DET
fsr-3578	71	2	scf	scf	PROPN
fsr-3578	71	3	assesses	assess	VERB
fsr-3578	71	4	whether	whether	SCONJ
fsr-3578	71	5	a	a	DET
fsr-3578	71	6	respondent	respondent	NOUN
fsr-3578	71	7	had	have	AUX
fsr-3578	71	8	used	use	VERB
fsr-3578	71	9	a	a	DET
fsr-3578	71	10	payday	payday	NOUN
fsr-3578	71	11	loan	loan	NOUN
fsr-3578	71	12	in	in	ADP
fsr-3578	71	13	the	the	DET
fsr-3578	71	14	past	past	ADJ
fsr-3578	71	15	year	year	NOUN
fsr-3578	71	16	.	.	PUNCT
fsr-3578	72	1	in	in	ADP
fsr-3578	72	2	the	the	DET
fsr-3578	72	3	nfcs	nfc	NOUN
fsr-3578	72	4	,	,	PUNCT
fsr-3578	72	5	if	if	SCONJ
fsr-3578	72	6	a	a	DET
fsr-3578	72	7	respondent	respondent	NOUN
fsr-3578	72	8	had	have	AUX
fsr-3578	72	9	used	use	VERB
fsr-3578	72	10	either	either	CCONJ
fsr-3578	72	11	an	an	DET
fsr-3578	72	12	auto	auto	NOUN
fsr-3578	72	13	title	title	NOUN
fsr-3578	72	14	loan	loan	NOUN
fsr-3578	72	15	,	,	PUNCT
fsr-3578	72	16	payday	payday	NOUN
fsr-3578	72	17	loan	loan	NOUN
fsr-3578	72	18	,	,	PUNCT
fsr-3578	72	19	tax	tax	NOUN
fsr-3578	72	20	refund	refund	NOUN
fsr-3578	72	21	advance	advance	NOUN
fsr-3578	72	22	,	,	PUNCT
fsr-3578	72	23	pawn	pawn	NOUN
fsr-3578	72	24	shop	shop	NOUN
fsr-3578	72	25	loan	loan	NOUN
fsr-3578	72	26	,	,	PUNCT
fsr-3578	72	27	or	or	CCONJ
fsr-3578	72	28	used	use	VERB
fsr-3578	72	29	a	a	DET
fsr-3578	72	30	rent	rent	NOUN
fsr-3578	72	31	-	-	PUNCT
fsr-3578	72	32	to	to	ADP
fsr-3578	72	33	-	-	PUNCT
fsr-3578	72	34	own	own	ADJ
fsr-3578	72	35	store	store	NOUN
fsr-3578	72	36	in	in	ADP
fsr-3578	72	37	the	the	DET
fsr-3578	72	38	past	past	ADJ
fsr-3578	72	39	five	five	NUM
fsr-3578	72	40	years	year	NOUN
fsr-3578	72	41	,	,	PUNCT
fsr-3578	72	42	they	they	PRON
fsr-3578	72	43	were	be	AUX
fsr-3578	72	44	treated	treat	VERB
fsr-3578	72	45	as	as	ADP
fsr-3578	72	46	utilizing	utilize	VERB
fsr-3578	72	47	afs	afs	NOUN
fsr-3578	72	48	.	.	PUNCT
fsr-3578	73	1	the	the	DET
fsr-3578	73	2	266	266	NUM
fsr-3578	73	3	responses	response	NOUN
fsr-3578	73	4	of	of	ADP
fsr-3578	73	5	“	"	PUNCT
fsr-3578	73	6	do	do	AUX
fsr-3578	73	7	n’t	not	PART
fsr-3578	73	8	know	know	VERB
fsr-3578	73	9	”	"	PUNCT
fsr-3578	73	10	or	or	CCONJ
fsr-3578	73	11	“	"	PUNCT
fsr-3578	73	12	prefer	prefer	VERB
fsr-3578	73	13	not	not	PART
fsr-3578	73	14	to	to	PART
fsr-3578	73	15	say	say	VERB
fsr-3578	73	16	”	"	PUNCT
fsr-3578	73	17	were	be	AUX
fsr-3578	73	18	treated	treat	VERB
fsr-3578	73	19	as	as	ADP
fsr-3578	73	20	missing	miss	VERB
fsr-3578	73	21	data	datum	NOUN
fsr-3578	73	22	.	.	PUNCT
fsr-3578	74	1	absence	absence	NOUN
fsr-3578	74	2	of	of	ADP
fsr-3578	74	3	emergency	emergency	NOUN
fsr-3578	74	4	fund	fund	NOUN
fsr-3578	74	5	.	.	PUNCT
fsr-3578	75	1	the	the	DET
fsr-3578	75	2	absence	absence	NOUN
fsr-3578	75	3	of	of	ADP
fsr-3578	75	4	an	an	DET
fsr-3578	75	5	emergency	emergency	NOUN
fsr-3578	75	6	fund	fund	NOUN
fsr-3578	75	7	(	(	PUNCT
fsr-3578	75	8	aef	aef	PROPN
fsr-3578	75	9	)	)	PUNCT
fsr-3578	75	10	was	be	AUX
fsr-3578	75	11	the	the	DET
fsr-3578	75	12	final	final	ADJ
fsr-3578	75	13	binary	binary	ADJ
fsr-3578	75	14	measurement	measurement	NOUN
fsr-3578	75	15	of	of	ADP
fsr-3578	75	16	overspending	overspending	NOUN
fsr-3578	75	17	.	.	PUNCT
fsr-3578	76	1	maintaining	maintain	VERB
fsr-3578	76	2	an	an	DET
fsr-3578	76	3	emergency	emergency	NOUN
fsr-3578	76	4	fund	fund	NOUN
fsr-3578	76	5	was	be	AUX
fsr-3578	76	6	considered	consider	VERB
fsr-3578	76	7	a	a	DET
fsr-3578	76	8	critical	critical	ADJ
fsr-3578	76	9	component	component	NOUN
fsr-3578	76	10	of	of	ADP
fsr-3578	76	11	managing	manage	VERB
fsr-3578	76	12	personal	personal	ADJ
fsr-3578	76	13	finances	finance	NOUN
fsr-3578	76	14	to	to	PART
fsr-3578	76	15	weather	weather	VERB
fsr-3578	76	16	unexpected	unexpected	ADJ
fsr-3578	76	17	expenses	expense	NOUN
fsr-3578	76	18	or	or	CCONJ
fsr-3578	76	19	income	income	NOUN
fsr-3578	76	20	dips	dip	NOUN
fsr-3578	76	21	(	(	PUNCT
fsr-3578	76	22	farrell	farrell	PROPN
fsr-3578	76	23	et	et	PROPN
fsr-3578	76	24	al	al	PROPN
fsr-3578	76	25	,	,	PUNCT
fsr-3578	76	26	2019	2019	NUM
fsr-3578	76	27	)	)	PUNCT
fsr-3578	76	28	.	.	PUNCT
fsr-3578	77	1	the	the	DET
fsr-3578	77	2	shed	shed	ADJ
fsr-3578	77	3	question	question	NOUN
fsr-3578	77	4	“	"	PUNCT
fsr-3578	77	5	have	have	AUX
fsr-3578	77	6	you	you	PRON
fsr-3578	77	7	set	set	VERB
fsr-3578	77	8	aside	aside	ADV
fsr-3578	77	9	emergency	emergency	NOUN
fsr-3578	77	10	or	or	CCONJ
fsr-3578	77	11	rainy	rainy	ADJ
fsr-3578	77	12	day	day	NOUN
fsr-3578	77	13	funds	fund	NOUN
fsr-3578	77	14	that	that	PRON
fsr-3578	77	15	would	would	AUX
fsr-3578	77	16	cover	cover	VERB
fsr-3578	77	17	your	your	PRON
fsr-3578	77	18	expenses	expense	NOUN
fsr-3578	77	19	for	for	ADP
fsr-3578	77	20	3	3	NUM
fsr-3578	77	21	months	month	NOUN
fsr-3578	77	22	in	in	ADP
fsr-3578	77	23	the	the	DET
fsr-3578	77	24	case	case	NOUN
fsr-3578	77	25	of	of	ADP
fsr-3578	77	26	sickness	sickness	NOUN
fsr-3578	77	27	,	,	PUNCT
fsr-3578	77	28	job	job	NOUN
fsr-3578	77	29	loss	loss	NOUN
fsr-3578	77	30	,	,	PUNCT
fsr-3578	77	31	economic	economic	ADJ
fsr-3578	77	32	downturn	downturn	NOUN
fsr-3578	77	33	,	,	PUNCT
fsr-3578	77	34	or	or	CCONJ
fsr-3578	77	35	other	other	ADJ
fsr-3578	77	36	emergencies	emergency	NOUN
fsr-3578	77	37	?	?	PUNCT
fsr-3578	77	38	”	"	PUNCT
fsr-3578	77	39	operationalizes	operationalizes	PROPN
fsr-3578	77	40	aef	aef	PROPN
fsr-3578	77	41	,	,	PUNCT
fsr-3578	77	42	where	where	SCONJ
fsr-3578	77	43	a	a	DET
fsr-3578	77	44	“	"	PUNCT
fsr-3578	77	45	no	no	PRON
fsr-3578	77	46	”	"	PUNCT
fsr-3578	77	47	response	response	NOUN
fsr-3578	77	48	indicated	indicate	VERB
fsr-3578	77	49	aef	aef	PROPN
fsr-3578	77	50	.	.	PUNCT
fsr-3578	78	1	the	the	DET
fsr-3578	78	2	17	17	NUM
fsr-3578	78	3	“	"	PUNCT
fsr-3578	78	4	refused	refuse	VERB
fsr-3578	78	5	to	to	PART
fsr-3578	78	6	answer	answer	VERB
fsr-3578	78	7	”	"	PUNCT
fsr-3578	78	8	observations	observation	NOUN
fsr-3578	78	9	were	be	AUX
fsr-3578	78	10	treated	treat	VERB
fsr-3578	78	11	as	as	ADP
fsr-3578	78	12	missing	miss	VERB
fsr-3578	78	13	data	datum	NOUN
fsr-3578	78	14	.	.	PUNCT
fsr-3578	79	1	the	the	DET
fsr-3578	79	2	scf	scf	PROPN
fsr-3578	79	3	question	question	NOUN
fsr-3578	79	4	that	that	PRON
fsr-3578	79	5	captures	capture	VERB
fsr-3578	79	6	aef	aef	PROPN
fsr-3578	79	7	reads	read	VERB
fsr-3578	79	8	,	,	PUNCT
fsr-3578	79	9	“	"	PUNCT
fsr-3578	79	10	if	if	SCONJ
fsr-3578	79	11	tomorrow	tomorrow	NOUN
fsr-3578	79	12	you	you	PRON
fsr-3578	79	13	experienced	experience	VERB
fsr-3578	79	14	a	a	DET
fsr-3578	79	15	financial	financial	ADJ
fsr-3578	79	16	emergency	emergency	NOUN
fsr-3578	79	17	that	that	PRON
fsr-3578	79	18	left	leave	VERB
fsr-3578	79	19	you	you	PRON
fsr-3578	79	20	unable	unable	ADJ
fsr-3578	79	21	to	to	PART
fsr-3578	79	22	pay	pay	VERB
fsr-3578	79	23	all	all	PRON
fsr-3578	79	24	of	of	ADP
fsr-3578	79	25	your	your	PRON
fsr-3578	79	26	bills	bill	NOUN
fsr-3578	79	27	,	,	PUNCT
fsr-3578	79	28	how	how	SCONJ
fsr-3578	79	29	would	would	AUX
fsr-3578	79	30	you	you	PRON
fsr-3578	79	31	deal	deal	VERB
fsr-3578	79	32	with	with	ADP
fsr-3578	79	33	it	it	PRON
fsr-3578	79	34	?	?	PUNCT
fsr-3578	79	35	”	"	PUNCT
fsr-3578	80	1	if	if	SCONJ
fsr-3578	80	2	a	a	DET
fsr-3578	80	3	respondent	respondent	NOUN
fsr-3578	80	4	answered	answer	VERB
fsr-3578	80	5	anything	anything	PRON
fsr-3578	80	6	other	other	ADJ
fsr-3578	80	7	than	than	ADP
fsr-3578	80	8	“	"	PUNCT
fsr-3578	80	9	spend	spend	VERB
fsr-3578	80	10	out	out	ADP
fsr-3578	80	11	of	of	ADP
fsr-3578	80	12	savings	saving	NOUN
fsr-3578	80	13	or	or	CCONJ
fsr-3578	80	14	investments	investment	NOUN
fsr-3578	80	15	,	,	PUNCT
fsr-3578	80	16	”	"	PUNCT
fsr-3578	80	17	they	they	PRON
fsr-3578	80	18	were	be	AUX
fsr-3578	80	19	treated	treat	VERB
fsr-3578	80	20	as	as	ADP
fsr-3578	80	21	aef	aef	PROPN
fsr-3578	80	22	.	.	PUNCT
fsr-3578	81	1	the	the	DET
fsr-3578	81	2	question	question	NOUN
fsr-3578	81	3	,	,	PUNCT
fsr-3578	81	4	“	"	PUNCT
fsr-3578	81	5	have	have	AUX
fsr-3578	81	6	you	you	PRON
fsr-3578	81	7	set	set	VERB
fsr-3578	81	8	aside	aside	ADV
fsr-3578	81	9	emergency	emergency	NOUN
fsr-3578	81	10	or	or	CCONJ
fsr-3578	81	11	rainy	rainy	ADJ
fsr-3578	81	12	-	-	PUNCT
fsr-3578	81	13	day	day	NOUN
fsr-3578	81	14	funds	fund	NOUN
fsr-3578	81	15	that	that	PRON
fsr-3578	81	16	would	would	AUX
fsr-3578	81	17	cover	cover	VERB
fsr-3578	81	18	your	your	PRON
fsr-3578	81	19	expenses	expense	NOUN
fsr-3578	81	20	for	for	ADP
fsr-3578	81	21	3	3	NUM
fsr-3578	81	22	months	month	NOUN
fsr-3578	81	23	,	,	PUNCT
fsr-3578	81	24	in	in	ADP
fsr-3578	81	25	case	case	NOUN
fsr-3578	81	26	of	of	ADP
fsr-3578	81	27	sickness	sickness	NOUN
fsr-3578	81	28	,	,	PUNCT
fsr-3578	81	29	job	job	NOUN
fsr-3578	81	30	loss	loss	NOUN
fsr-3578	81	31	,	,	PUNCT
fsr-3578	81	32	economic	economic	ADJ
fsr-3578	81	33	downturn	downturn	NOUN
fsr-3578	81	34	,	,	PUNCT
fsr-3578	81	35	or	or	CCONJ
fsr-3578	81	36	other	other	ADJ
fsr-3578	81	37	emergencies	emergency	NOUN
fsr-3578	81	38	?	?	PUNCT
fsr-3578	81	39	”	"	PUNCT
fsr-3578	81	40	was	be	AUX
fsr-3578	81	41	used	use	VERB
fsr-3578	81	42	to	to	PART
fsr-3578	81	43	operationalize	operationalize	VERB
fsr-3578	81	44	aef	aef	PROPN
fsr-3578	81	45	in	in	ADP
fsr-3578	81	46	the	the	DET
fsr-3578	81	47	nfcs	nfc	NOUN
fsr-3578	81	48	,	,	PUNCT
fsr-3578	81	49	where	where	SCONJ
fsr-3578	81	50	“	"	PUNCT
fsr-3578	81	51	no	no	DET
fsr-3578	81	52	”	"	PUNCT
fsr-3578	81	53	responses	response	NOUN
fsr-3578	81	54	were	be	AUX
fsr-3578	81	55	treated	treat	VERB
fsr-3578	81	56	as	as	ADP
fsr-3578	81	57	aef	aef	PROPN
fsr-3578	81	58	.	.	PUNCT
fsr-3578	82	1	the	the	DET
fsr-3578	82	2	406	406	NUM
fsr-3578	82	3	“	"	PUNCT
fsr-3578	82	4	i	i	PRON
fsr-3578	82	5	do	do	AUX
fsr-3578	82	6	n’t	not	PART
fsr-3578	82	7	know	know	VERB
fsr-3578	82	8	”	"	PUNCT
fsr-3578	82	9	and	and	CCONJ
fsr-3578	82	10	“	"	PUNCT
fsr-3578	82	11	prefer	prefer	VERB
fsr-3578	82	12	not	not	PART
fsr-3578	82	13	to	to	PART
fsr-3578	82	14	say	say	VERB
fsr-3578	82	15	”	"	PUNCT
fsr-3578	82	16	responses	response	NOUN
fsr-3578	82	17	were	be	AUX
fsr-3578	82	18	treated	treat	VERB
fsr-3578	82	19	as	as	ADP
fsr-3578	82	20	missing	miss	VERB
fsr-3578	82	21	data	datum	NOUN
fsr-3578	82	22	.	.	PUNCT
fsr-3578	83	1	retirement	retirement	NOUN
fsr-3578	83	2	preparation	preparation	NOUN
fsr-3578	83	3	variables	variable	VERB
fsr-3578	83	4	retirement	retirement	NOUN
fsr-3578	83	5	preparation	preparation	NOUN
fsr-3578	83	6	was	be	AUX
fsr-3578	83	7	a	a	DET
fsr-3578	83	8	challenging	challenging	ADJ
fsr-3578	83	9	construct	construct	NOUN
fsr-3578	83	10	to	to	PART
fsr-3578	83	11	measure	measure	VERB
fsr-3578	83	12	objectively	objectively	ADV
fsr-3578	83	13	because	because	SCONJ
fsr-3578	83	14	individuals	individual	NOUN
fsr-3578	83	15	have	have	VERB
fsr-3578	83	16	unique	unique	ADJ
fsr-3578	83	17	goals	goal	NOUN
fsr-3578	83	18	and	and	CCONJ
fsr-3578	83	19	requirements	requirement	NOUN
fsr-3578	83	20	that	that	SCONJ
fsr-3578	83	21	necessitate	necessitate	ADJ
fsr-3578	83	22	adjustments	adjustment	NOUN
fsr-3578	83	23	to	to	ADP
fsr-3578	83	24	life	life	NOUN
fsr-3578	83	25	events	event	NOUN
fsr-3578	83	26	.	.	PUNCT
fsr-3578	84	1	to	to	PART
fsr-3578	84	2	address	address	VERB
fsr-3578	84	3	this	this	DET
fsr-3578	84	4	challenge	challenge	NOUN
fsr-3578	84	5	,	,	PUNCT
fsr-3578	84	6	four	four	NUM
fsr-3578	84	7	measurements	measurement	NOUN
fsr-3578	84	8	were	be	AUX
fsr-3578	84	9	used	use	VERB
fsr-3578	84	10	to	to	PART
fsr-3578	84	11	operationalize	operationalize	VERB
fsr-3578	84	12	retirement	retirement	NOUN
fsr-3578	84	13	preparation	preparation	NOUN
fsr-3578	84	14	:	:	PUNCT
fsr-3578	84	15	three	three	NUM
fsr-3578	84	16	were	be	AUX
fsr-3578	84	17	objective	objective	ADJ
fsr-3578	84	18	measures	measure	NOUN
fsr-3578	84	19	and	and	CCONJ
fsr-3578	84	20	one	one	NUM
fsr-3578	84	21	was	be	AUX
fsr-3578	84	22	subjective	subjective	ADJ
fsr-3578	84	23	.	.	PUNCT
fsr-3578	85	1	retirement	retirement	NOUN
fsr-3578	85	2	account	account	PROPN
fsr-3578	85	3	ownership	ownership	NOUN
fsr-3578	85	4	.	.	PUNCT
fsr-3578	86	1	retirement	retirement	NOUN
fsr-3578	86	2	account	account	PROPN
fsr-3578	86	3	ownership	ownership	NOUN
fsr-3578	86	4	was	be	AUX
fsr-3578	86	5	assumed	assume	VERB
fsr-3578	86	6	to	to	PART
fsr-3578	86	7	be	be	AUX
fsr-3578	86	8	a	a	DET
fsr-3578	86	9	viable	viable	ADJ
fsr-3578	86	10	proxy	proxy	NOUN
fsr-3578	86	11	for	for	ADP
fsr-3578	86	12	retirement	retirement	NOUN
fsr-3578	86	13	preparation	preparation	NOUN
fsr-3578	86	14	because	because	SCONJ
fsr-3578	86	15	researchers	researcher	NOUN
fsr-3578	86	16	(	(	PUNCT
fsr-3578	86	17	e.g.	e.g.	ADV
fsr-3578	86	18	,	,	PUNCT
fsr-3578	86	19	lim	lim	PROPN
fsr-3578	86	20	&	&	CCONJ
fsr-3578	86	21	lee	lee	PROPN
fsr-3578	86	22	,	,	PUNCT
fsr-3578	86	23	2021	2021	NUM
fsr-3578	86	24	;	;	PUNCT
fsr-3578	86	25	oakley	oakley	PROPN
fsr-3578	86	26	&	&	CCONJ
fsr-3578	86	27	kenneally	kenneally	ADV
fsr-3578	86	28	,	,	PUNCT
fsr-3578	86	29	2019	2019	NUM
fsr-3578	86	30	;	;	PUNCT
fsr-3578	86	31	sturr	sturr	NOUN
fsr-3578	86	32	et	et	PROPN
fsr-3578	86	33	al	al	PROPN
fsr-3578	86	34	.	.	PROPN
fsr-3578	86	35	,	,	PUNCT
fsr-3578	86	36	2021	2021	NUM
fsr-3578	86	37	)	)	PUNCT
fsr-3578	86	38	consider	consider	VERB
fsr-3578	86	39	defined	define	VERB
fsr-3578	86	40	contribution	contribution	NOUN
fsr-3578	86	41	plans	plan	NOUN
fsr-3578	86	42	to	to	PART
fsr-3578	86	43	be	be	AUX
fsr-3578	86	44	the	the	DET
fsr-3578	86	45	foundational	foundational	ADJ
fsr-3578	86	46	vehicle	vehicle	NOUN
fsr-3578	86	47	for	for	ADP
fsr-3578	86	48	funding	fund	VERB
fsr-3578	86	49	retirement	retirement	NOUN
fsr-3578	86	50	income	income	NOUN
fsr-3578	86	51	.	.	PUNCT
fsr-3578	87	1	in	in	ADP
fsr-3578	87	2	the	the	DET
fsr-3578	87	3	shed	shed	NOUN
fsr-3578	87	4	,	,	PUNCT
fsr-3578	87	5	if	if	SCONJ
fsr-3578	87	6	a	a	DET
fsr-3578	87	7	respondent	respondent	NOUN
fsr-3578	87	8	indicated	indicate	VERB
fsr-3578	87	9	owning	own	VERB
fsr-3578	87	10	any	any	PRON
fsr-3578	87	11	of	of	ADP
fsr-3578	87	12	the	the	DET
fsr-3578	87	13	following	following	ADJ
fsr-3578	87	14	account	account	NOUN
fsr-3578	87	15	types	type	NOUN
fsr-3578	87	16	,	,	PUNCT
fsr-3578	87	17	they	they	PRON
fsr-3578	87	18	were	be	AUX
fsr-3578	87	19	treated	treat	VERB
fsr-3578	87	20	as	as	ADP
fsr-3578	87	21	owning	own	VERB
fsr-3578	87	22	a	a	DET
fsr-3578	87	23	retirement	retirement	NOUN
fsr-3578	87	24	account	account	NOUN
fsr-3578	87	25	:	:	PUNCT
fsr-3578	87	26	401(k	401(k	NOUN
fsr-3578	87	27	)	)	PUNCT
fsr-3578	87	28	,	,	PUNCT
fsr-3578	87	29	403(b	403(b	PROPN
fsr-3578	87	30	)	)	PUNCT
fsr-3578	87	31	,	,	PUNCT
fsr-3578	87	32	keogh	keogh	PROPN
fsr-3578	87	33	,	,	PUNCT
fsr-3578	87	34	other	other	ADJ
fsr-3578	87	35	defined	define	VERB
fsr-3578	87	36	contribution	contribution	NOUN
fsr-3578	87	37	plan	plan	NOUN
fsr-3578	87	38	through	through	ADP
fsr-3578	87	39	an	an	DET
fsr-3578	87	40	employer	employer	NOUN
fsr-3578	87	41	,	,	PUNCT
fsr-3578	87	42	pension	pension	NOUN
fsr-3578	87	43	with	with	ADP
fsr-3578	87	44	a	a	DET
fsr-3578	87	45	defined	define	VERB
fsr-3578	87	46	benefit	benefit	NOUN
fsr-3578	87	47	,	,	PUNCT
fsr-3578	87	48	ira	ira	PROPN
fsr-3578	87	49	,	,	PUNCT
fsr-3578	87	50	roth	roth	PROPN
fsr-3578	87	51	ira	ira	PROPN
fsr-3578	87	52	,	,	PUNCT
fsr-3578	87	53	savings	saving	NOUN
fsr-3578	87	54	outside	outside	ADP
fsr-3578	87	55	a	a	DET
fsr-3578	87	56	retirement	retirement	NOUN
fsr-3578	87	57	account	account	NOUN
fsr-3578	87	58	,	,	PUNCT
fsr-3578	87	59	lynn	lynn	PROPN
fsr-3578	87	60	et	et	PROPN
fsr-3578	87	61	al	al	PROPN
fsr-3578	87	62	.	.	PROPN
fsr-3578	87	63	183	183	NUM
fsr-3578	87	64	a	a	DET
fsr-3578	87	65	business	business	NOUN
fsr-3578	87	66	or	or	CCONJ
fsr-3578	87	67	real	real	ADJ
fsr-3578	87	68	estate	estate	NOUN
fsr-3578	87	69	that	that	PRON
fsr-3578	87	70	will	will	AUX
fsr-3578	87	71	provide	provide	VERB
fsr-3578	87	72	income	income	NOUN
fsr-3578	87	73	in	in	ADP
fsr-3578	87	74	retirement	retirement	NOUN
fsr-3578	87	75	,	,	PUNCT
fsr-3578	87	76	or	or	CCONJ
fsr-3578	87	77	other	other	ADJ
fsr-3578	87	78	retirement	retirement	NOUN
fsr-3578	87	79	savings	saving	NOUN
fsr-3578	87	80	.	.	PUNCT
fsr-3578	88	1	the	the	DET
fsr-3578	88	2	529	529	NUM
fsr-3578	88	3	missing	missing	ADJ
fsr-3578	88	4	observations	observation	NOUN
fsr-3578	88	5	were	be	AUX
fsr-3578	88	6	treated	treat	VERB
fsr-3578	88	7	as	as	ADP
fsr-3578	88	8	missing	miss	VERB
fsr-3578	88	9	data	datum	NOUN
fsr-3578	88	10	.	.	PUNCT
fsr-3578	89	1	in	in	ADP
fsr-3578	89	2	the	the	DET
fsr-3578	89	3	scf	scf	PROPN
fsr-3578	89	4	,	,	PUNCT
fsr-3578	89	5	if	if	SCONJ
fsr-3578	89	6	a	a	DET
fsr-3578	89	7	respondent	respondent	NOUN
fsr-3578	89	8	had	have	VERB
fsr-3578	89	9	any	any	PRON
fsr-3578	89	10	of	of	ADP
fsr-3578	89	11	the	the	DET
fsr-3578	89	12	following	follow	VERB
fsr-3578	89	13	types	type	NOUN
fsr-3578	89	14	of	of	ADP
fsr-3578	89	15	accounts	account	NOUN
fsr-3578	89	16	,	,	PUNCT
fsr-3578	89	17	they	they	PRON
fsr-3578	89	18	were	be	AUX
fsr-3578	89	19	treated	treat	VERB
fsr-3578	89	20	as	as	ADP
fsr-3578	89	21	owning	own	VERB
fsr-3578	89	22	a	a	DET
fsr-3578	89	23	retirement	retirement	NOUN
fsr-3578	89	24	account	account	NOUN
fsr-3578	89	25	:	:	PUNCT
fsr-3578	90	1	keoghs	keogh	NOUN
fsr-3578	90	2	,	,	PUNCT
fsr-3578	90	3	pensions	pension	NOUN
fsr-3578	90	4	,	,	PUNCT
fsr-3578	90	5	retirement	retirement	NOUN
fsr-3578	90	6	,	,	PUNCT
fsr-3578	90	7	or	or	CCONJ
fsr-3578	90	8	tax	tax	NOUN
fsr-3578	90	9	-	-	PUNCT
fsr-3578	90	10	deferred	defer	VERB
fsr-3578	90	11	savings	saving	NOUN
fsr-3578	90	12	plans	plan	NOUN
fsr-3578	90	13	.	.	PUNCT
fsr-3578	91	1	in	in	ADP
fsr-3578	91	2	the	the	DET
fsr-3578	91	3	nfcs	nfc	NOUN
fsr-3578	91	4	,	,	PUNCT
fsr-3578	91	5	if	if	SCONJ
fsr-3578	91	6	a	a	DET
fsr-3578	91	7	respondent	respondent	NOUN
fsr-3578	91	8	owned	own	VERB
fsr-3578	91	9	any	any	PRON
fsr-3578	91	10	of	of	ADP
fsr-3578	91	11	the	the	DET
fsr-3578	91	12	following	follow	VERB
fsr-3578	91	13	types	type	NOUN
fsr-3578	91	14	of	of	ADP
fsr-3578	91	15	accounts	account	NOUN
fsr-3578	91	16	,	,	PUNCT
fsr-3578	91	17	they	they	PRON
fsr-3578	91	18	were	be	AUX
fsr-3578	91	19	treated	treat	VERB
fsr-3578	91	20	as	as	ADP
fsr-3578	91	21	owning	own	VERB
fsr-3578	91	22	a	a	DET
fsr-3578	91	23	retirement	retirement	NOUN
fsr-3578	91	24	account	account	NOUN
fsr-3578	91	25	:	:	PUNCT
fsr-3578	91	26	a	a	DET
fsr-3578	91	27	pension	pension	NOUN
fsr-3578	91	28	plan	plan	NOUN
fsr-3578	91	29	,	,	PUNCT
fsr-3578	91	30	a	a	DET
fsr-3578	91	31	thrift	thrift	NOUN
fsr-3578	91	32	savings	saving	NOUN
fsr-3578	91	33	plan	plan	NOUN
fsr-3578	91	34	(	(	PUNCT
fsr-3578	91	35	tsp	tsp	NOUN
fsr-3578	91	36	)	)	PUNCT
fsr-3578	91	37	or	or	CCONJ
fsr-3578	91	38	a	a	DET
fsr-3578	91	39	401(k	401(k	PROPN
fsr-3578	91	40	)	)	PUNCT
fsr-3578	91	41	,	,	PUNCT
fsr-3578	91	42	an	an	DET
fsr-3578	91	43	ira	ira	PROPN
fsr-3578	91	44	,	,	PUNCT
fsr-3578	91	45	keogh	keogh	PROPN
fsr-3578	91	46	,	,	PUNCT
fsr-3578	91	47	simplified	simplify	VERB
fsr-3578	91	48	employee	employee	NOUN
fsr-3578	91	49	pension	pension	NOUN
fsr-3578	91	50	(	(	PUNCT
fsr-3578	91	51	sep	sep	PROPN
fsr-3578	91	52	)	)	PUNCT
fsr-3578	91	53	,	,	PUNCT
fsr-3578	91	54	or	or	CCONJ
fsr-3578	91	55	any	any	DET
fsr-3578	91	56	other	other	ADJ
fsr-3578	91	57	type	type	NOUN
fsr-3578	91	58	of	of	ADP
fsr-3578	91	59	retirement	retirement	NOUN
fsr-3578	91	60	account	account	NOUN
fsr-3578	91	61	that	that	PRON
fsr-3578	91	62	they	they	PRON
fsr-3578	91	63	had	have	AUX
fsr-3578	91	64	set	set	VERB
fsr-3578	91	65	up	up	ADP
fsr-3578	91	66	themselves	themselves	PRON
fsr-3578	91	67	or	or	CCONJ
fsr-3578	91	68	through	through	ADP
fsr-3578	91	69	an	an	DET
fsr-3578	91	70	employer	employer	NOUN
fsr-3578	91	71	.	.	PUNCT
fsr-3578	92	1	the	the	DET
fsr-3578	92	2	846	846	NUM
fsr-3578	92	3	“	"	PUNCT
fsr-3578	92	4	do	do	AUX
fsr-3578	92	5	n’t	not	PART
fsr-3578	92	6	know	know	VERB
fsr-3578	92	7	”	"	PUNCT
fsr-3578	92	8	or	or	CCONJ
fsr-3578	92	9	“	"	PUNCT
fsr-3578	92	10	prefer	prefer	VERB
fsr-3578	92	11	not	not	PART
fsr-3578	92	12	to	to	PART
fsr-3578	92	13	say	say	VERB
fsr-3578	92	14	”	"	PUNCT
fsr-3578	92	15	responses	response	NOUN
fsr-3578	92	16	were	be	AUX
fsr-3578	92	17	treated	treat	VERB
fsr-3578	92	18	as	as	ADP
fsr-3578	92	19	missing	miss	VERB
fsr-3578	92	20	data	datum	NOUN
fsr-3578	92	21	.	.	PUNCT
fsr-3578	93	1	active	active	ADJ
fsr-3578	93	2	contribution	contribution	NOUN
fsr-3578	93	3	to	to	ADP
fsr-3578	93	4	a	a	DET
fsr-3578	93	5	retirement	retirement	NOUN
fsr-3578	93	6	account	account	NOUN
fsr-3578	93	7	.	.	PUNCT
fsr-3578	94	1	active	active	ADJ
fsr-3578	94	2	contribution	contribution	NOUN
fsr-3578	94	3	to	to	ADP
fsr-3578	94	4	a	a	DET
fsr-3578	94	5	retirement	retirement	NOUN
fsr-3578	94	6	account	account	NOUN
fsr-3578	94	7	(	(	PUNCT
fsr-3578	94	8	acra	acra	PROPN
fsr-3578	94	9	)	)	PUNCT
fsr-3578	94	10	was	be	AUX
fsr-3578	94	11	reflective	reflective	ADJ
fsr-3578	94	12	of	of	ADP
fsr-3578	94	13	active	active	ADJ
fsr-3578	94	14	household	household	NOUN
fsr-3578	94	15	retirement	retirement	NOUN
fsr-3578	94	16	savings	saving	NOUN
fsr-3578	94	17	,	,	PUNCT
fsr-3578	94	18	and	and	CCONJ
fsr-3578	94	19	thus	thus	ADV
fsr-3578	94	20	is	be	AUX
fsr-3578	94	21	assumed	assume	VERB
fsr-3578	94	22	to	to	PART
fsr-3578	94	23	be	be	AUX
fsr-3578	94	24	a	a	DET
fsr-3578	94	25	viable	viable	ADJ
fsr-3578	94	26	operationalization	operationalization	NOUN
fsr-3578	94	27	of	of	ADP
fsr-3578	94	28	retirement	retirement	NOUN
fsr-3578	94	29	preparation	preparation	NOUN
fsr-3578	94	30	(	(	PUNCT
fsr-3578	94	31	sturr	sturr	NOUN
fsr-3578	94	32	et	et	PROPN
fsr-3578	94	33	al	al	PROPN
fsr-3578	94	34	.	.	PROPN
fsr-3578	94	35	,	,	PUNCT
fsr-3578	94	36	2021	2021	NUM
fsr-3578	94	37	)	)	PUNCT
fsr-3578	94	38	.	.	PUNCT
fsr-3578	95	1	in	in	ADP
fsr-3578	95	2	the	the	DET
fsr-3578	95	3	scf	scf	PROPN
fsr-3578	95	4	,	,	PUNCT
fsr-3578	95	5	if	if	SCONJ
fsr-3578	95	6	anyone	anyone	PRON
fsr-3578	95	7	in	in	ADP
fsr-3578	95	8	the	the	DET
fsr-3578	95	9	household	household	NOUN
fsr-3578	95	10	made	make	VERB
fsr-3578	95	11	contributions	contribution	NOUN
fsr-3578	95	12	to	to	ADP
fsr-3578	95	13	iras	ira	NOUN
fsr-3578	95	14	or	or	CCONJ
fsr-3578	95	15	keoghs	keogh	NOUN
fsr-3578	95	16	in	in	ADP
fsr-3578	95	17	the	the	DET
fsr-3578	95	18	previous	previous	ADJ
fsr-3578	95	19	year	year	NOUN
fsr-3578	95	20	or	or	CCONJ
fsr-3578	95	21	contributed	contribute	VERB
fsr-3578	95	22	to	to	ADP
fsr-3578	95	23	a	a	DET
fsr-3578	95	24	traditional	traditional	ADJ
fsr-3578	95	25	pension	pension	NOUN
fsr-3578	95	26	,	,	PUNCT
fsr-3578	95	27	401(k	401(k	PROPN
fsr-3578	95	28	)	)	PUNCT
fsr-3578	95	29	,	,	PUNCT
fsr-3578	95	30	403(b	403(b	PROPN
fsr-3578	95	31	)	)	PUNCT
fsr-3578	95	32	,	,	PUNCT
fsr-3578	95	33	tsp	tsp	NOUN
fsr-3578	95	34	,	,	PUNCT
fsr-3578	95	35	profit	profit	NOUN
fsr-3578	95	36	sharing	sharing	NOUN
fsr-3578	95	37	plan	plan	NOUN
fsr-3578	95	38	,	,	PUNCT
fsr-3578	95	39	supplemental	supplemental	ADJ
fsr-3578	95	40	retirement	retirement	NOUN
fsr-3578	95	41	annuity	annuity	NOUN
fsr-3578	95	42	,	,	PUNCT
fsr-3578	95	43	cash	cash	NOUN
fsr-3578	95	44	balance	balance	NOUN
fsr-3578	95	45	plan	plan	NOUN
fsr-3578	95	46	,	,	PUNCT
fsr-3578	95	47	portable	portable	ADJ
fsr-3578	95	48	cash	cash	NOUN
fsr-3578	95	49	option	option	NOUN
fsr-3578	95	50	plan	plan	NOUN
fsr-3578	95	51	,	,	PUNCT
fsr-3578	95	52	sep	sep	PROPN
fsr-3578	95	53	,	,	PUNCT
fsr-3578	95	54	simplified	simplify	VERB
fsr-3578	95	55	incentive	incentive	NOUN
fsr-3578	95	56	match	match	NOUN
fsr-3578	95	57	plan	plan	NOUN
fsr-3578	95	58	for	for	ADP
fsr-3578	95	59	employees	employee	NOUN
fsr-3578	95	60	(	(	PUNCT
fsr-3578	95	61	simple	simple	ADJ
fsr-3578	95	62	)	)	PUNCT
fsr-3578	95	63	,	,	PUNCT
fsr-3578	95	64	money	money	NOUN
fsr-3578	95	65	purchase	purchase	NOUN
fsr-3578	95	66	plan	plan	NOUN
fsr-3578	95	67	,	,	PUNCT
fsr-3578	95	68	stock	stock	NOUN
fsr-3578	95	69	purchase	purchase	NOUN
fsr-3578	95	70	plan	plan	NOUN
fsr-3578	95	71	(	(	PUNCT
fsr-3578	95	72	esop	esop	PROPN
fsr-3578	95	73	)	)	PUNCT
fsr-3578	95	74	,	,	PUNCT
fsr-3578	95	75	457	457	NUM
fsr-3578	95	76	plan	plan	NOUN
fsr-3578	95	77	,	,	PUNCT
fsr-3578	95	78	or	or	CCONJ
fsr-3578	95	79	other	other	ADJ
fsr-3578	95	80	retirement	retirement	NOUN
fsr-3578	95	81	account	account	NOUN
fsr-3578	95	82	,	,	PUNCT
fsr-3578	95	83	they	they	PRON
fsr-3578	95	84	were	be	AUX
fsr-3578	95	85	treated	treat	VERB
fsr-3578	95	86	as	as	ADP
fsr-3578	95	87	acra	acra	NOUN
fsr-3578	95	88	.	.	PUNCT
fsr-3578	96	1	if	if	SCONJ
fsr-3578	96	2	respondents	respondent	NOUN
fsr-3578	96	3	in	in	ADP
fsr-3578	96	4	the	the	DET
fsr-3578	96	5	nfcs	nfc	NOUN
fsr-3578	96	6	regularly	regularly	ADV
fsr-3578	96	7	contributed	contribute	VERB
fsr-3578	96	8	to	to	ADP
fsr-3578	96	9	a	a	DET
fsr-3578	96	10	thrift	thrift	NOUN
fsr-3578	96	11	savings	saving	NOUN
fsr-3578	96	12	plan	plan	NOUN
fsr-3578	96	13	(	(	PUNCT
fsr-3578	96	14	tsp	tsp	NOUN
fsr-3578	96	15	)	)	PUNCT
fsr-3578	96	16	,	,	PUNCT
fsr-3578	96	17	401(k	401(k	NOUN
fsr-3578	96	18	)	)	PUNCT
fsr-3578	96	19	,	,	PUNCT
fsr-3578	96	20	or	or	CCONJ
fsr-3578	96	21	ira	ira	PROPN
fsr-3578	96	22	,	,	PUNCT
fsr-3578	96	23	they	they	PRON
fsr-3578	96	24	were	be	AUX
fsr-3578	96	25	treated	treat	VERB
fsr-3578	96	26	as	as	ADP
fsr-3578	96	27	“	"	PUNCT
fsr-3578	96	28	yes	yes	INTJ
fsr-3578	96	29	”	"	PUNCT
fsr-3578	96	30	for	for	ADP
fsr-3578	96	31	acra	acra	NOUN
fsr-3578	96	32	.	.	PUNCT
fsr-3578	97	1	the	the	DET
fsr-3578	97	2	4,024	4,024	NUM
fsr-3578	97	3	missing	miss	VERB
fsr-3578	97	4	observations	observation	NOUN
fsr-3578	97	5	are	be	AUX
fsr-3578	97	6	treated	treat	VERB
fsr-3578	97	7	as	as	ADP
fsr-3578	97	8	missing	miss	VERB
fsr-3578	97	9	data	datum	NOUN
fsr-3578	97	10	.	.	PUNCT
fsr-3578	98	1	the	the	DET
fsr-3578	98	2	shed	shed	NOUN
fsr-3578	98	3	did	do	AUX
fsr-3578	98	4	not	not	PART
fsr-3578	98	5	measure	measure	VERB
fsr-3578	98	6	acra	acra	NOUN
fsr-3578	98	7	.	.	PUNCT
fsr-3578	99	1	retirement	retirement	NOUN
fsr-3578	99	2	account	account	NOUN
fsr-3578	99	3	assets	asset	NOUN
fsr-3578	99	4	.	.	PUNCT
fsr-3578	100	1	retirement	retirement	NOUN
fsr-3578	100	2	account	account	NOUN
fsr-3578	100	3	assets	asset	NOUN
fsr-3578	100	4	require	require	VERB
fsr-3578	100	5	a	a	DET
fsr-3578	100	6	large	large	ADJ
fsr-3578	100	7	enough	enough	ADJ
fsr-3578	100	8	balance	balance	NOUN
fsr-3578	100	9	to	to	PART
fsr-3578	100	10	sustain	sustain	VERB
fsr-3578	100	11	steady	steady	ADJ
fsr-3578	100	12	distributions	distribution	NOUN
fsr-3578	100	13	for	for	ADP
fsr-3578	100	14	the	the	DET
fsr-3578	100	15	duration	duration	NOUN
fsr-3578	100	16	of	of	ADP
fsr-3578	100	17	one	one	NUM
fsr-3578	100	18	’s	’s	PART
fsr-3578	100	19	retirement	retirement	NOUN
fsr-3578	100	20	.	.	PUNCT
fsr-3578	101	1	while	while	SCONJ
fsr-3578	101	2	there	there	PRON
fsr-3578	101	3	was	be	VERB
fsr-3578	101	4	no	no	DET
fsr-3578	101	5	one	one	NUM
fsr-3578	101	6	formula	formula	NOUN
fsr-3578	101	7	to	to	PART
fsr-3578	101	8	calculate	calculate	VERB
fsr-3578	101	9	the	the	DET
fsr-3578	101	10	“	"	PUNCT
fsr-3578	101	11	right	right	ADJ
fsr-3578	101	12	”	"	PUNCT
fsr-3578	101	13	amount	amount	NOUN
fsr-3578	101	14	of	of	ADP
fsr-3578	101	15	retirement	retirement	NOUN
fsr-3578	101	16	account	account	NOUN
fsr-3578	101	17	assets	asset	NOUN
fsr-3578	101	18	,	,	PUNCT
fsr-3578	101	19	retirement	retirement	NOUN
fsr-3578	101	20	account	account	NOUN
fsr-3578	101	21	assets	asset	NOUN
fsr-3578	101	22	can	can	AUX
fsr-3578	101	23	represent	represent	VERB
fsr-3578	101	24	retirement	retirement	NOUN
fsr-3578	101	25	preparation	preparation	NOUN
fsr-3578	101	26	because	because	SCONJ
fsr-3578	101	27	they	they	PRON
fsr-3578	101	28	are	be	AUX
fsr-3578	101	29	a	a	DET
fsr-3578	101	30	source	source	NOUN
fsr-3578	101	31	of	of	ADP
fsr-3578	101	32	someone	someone	PRON
fsr-3578	101	33	’s	’s	PART
fsr-3578	101	34	future	future	ADJ
fsr-3578	101	35	retirement	retirement	NOUN
fsr-3578	101	36	income	income	NOUN
fsr-3578	101	37	6	6	NUM
fsr-3578	101	38	in	in	ADP
fsr-3578	101	39	the	the	DET
fsr-3578	101	40	shed	shed	NOUN
fsr-3578	101	41	,	,	PUNCT
fsr-3578	101	42	respondents	respondent	NOUN
fsr-3578	101	43	were	be	AUX
fsr-3578	101	44	asked	ask	VERB
fsr-3578	101	45	if	if	SCONJ
fsr-3578	101	46	they	they	PRON
fsr-3578	101	47	considered	consider	VERB
fsr-3578	101	48	themselves	themselves	PRON
fsr-3578	101	49	to	to	PART
fsr-3578	101	50	be	be	AUX
fsr-3578	101	51	retired	retire	VERB
fsr-3578	101	52	,	,	PUNCT
fsr-3578	101	53	which	which	PRON
fsr-3578	101	54	was	be	AUX
fsr-3578	101	55	separate	separate	ADJ
fsr-3578	101	56	from	from	ADP
fsr-3578	101	57	the	the	DET
fsr-3578	101	58	employment	employment	NOUN
fsr-3578	101	59	status	status	NOUN
fsr-3578	101	60	measure	measure	NOUN
fsr-3578	101	61	used	use	VERB
fsr-3578	101	62	to	to	PART
fsr-3578	101	63	apply	apply	VERB
fsr-3578	101	64	the	the	DET
fsr-3578	101	65	sample	sample	NOUN
fsr-3578	101	66	restriction	restriction	NOUN
fsr-3578	101	67	.	.	PUNCT
fsr-3578	102	1	those	those	PRON
fsr-3578	102	2	who	who	PRON
fsr-3578	102	3	considered	consider	VERB
fsr-3578	102	4	stream	stream	NOUN
fsr-3578	102	5	.	.	PUNCT
fsr-3578	103	1	in	in	ADP
fsr-3578	103	2	the	the	DET
fsr-3578	103	3	shed	shed	NOUN
fsr-3578	103	4	,	,	PUNCT
fsr-3578	103	5	retirement	retirement	NOUN
fsr-3578	103	6	account	account	NOUN
fsr-3578	103	7	assets	asset	NOUN
fsr-3578	103	8	were	be	AUX
fsr-3578	103	9	captured	capture	VERB
fsr-3578	103	10	with	with	ADP
fsr-3578	103	11	the	the	DET
fsr-3578	103	12	question	question	NOUN
fsr-3578	103	13	:	:	PUNCT
fsr-3578	103	14	“	"	PUNCT
fsr-3578	103	15	approximately	approximately	ADV
fsr-3578	103	16	how	how	SCONJ
fsr-3578	103	17	much	much	ADJ
fsr-3578	103	18	money	money	NOUN
fsr-3578	103	19	do	do	AUX
fsr-3578	103	20	you	you	PRON
fsr-3578	103	21	currently	currently	ADV
fsr-3578	103	22	have	have	AUX
fsr-3578	103	23	saved	save	VERB
fsr-3578	103	24	for	for	ADP
fsr-3578	103	25	retirement	retirement	NOUN
fsr-3578	103	26	?	?	PUNCT
fsr-3578	103	27	”	"	PUNCT
fsr-3578	104	1	the	the	DET
fsr-3578	104	2	1,702	1,702	NUM
fsr-3578	104	3	missing	miss	VERB
fsr-3578	104	4	observations	observation	NOUN
fsr-3578	104	5	were	be	AUX
fsr-3578	104	6	treated	treat	VERB
fsr-3578	104	7	as	as	ADP
fsr-3578	104	8	missing	miss	VERB
fsr-3578	104	9	data	datum	NOUN
fsr-3578	104	10	.	.	PUNCT
fsr-3578	105	1	in	in	ADP
fsr-3578	105	2	the	the	DET
fsr-3578	105	3	scf	scf	PROPN
fsr-3578	105	4	,	,	PUNCT
fsr-3578	105	5	retirement	retirement	NOUN
fsr-3578	105	6	account	account	NOUN
fsr-3578	105	7	assets	asset	NOUN
fsr-3578	105	8	were	be	AUX
fsr-3578	105	9	measured	measure	VERB
fsr-3578	105	10	by	by	ADP
fsr-3578	105	11	the	the	DET
fsr-3578	105	12	combination	combination	NOUN
fsr-3578	105	13	of	of	ADP
fsr-3578	105	14	roth	roth	PROPN
fsr-3578	105	15	iras	ira	NOUN
fsr-3578	105	16	,	,	PUNCT
fsr-3578	105	17	roll	roll	NOUN
fsr-3578	105	18	-	-	PUNCT
fsr-3578	105	19	over	over	ADP
fsr-3578	105	20	iras	ira	NOUN
fsr-3578	105	21	,	,	PUNCT
fsr-3578	105	22	regular	regular	ADJ
fsr-3578	105	23	or	or	CCONJ
fsr-3578	105	24	other	other	ADJ
fsr-3578	105	25	iras	ira	NOUN
fsr-3578	105	26	,	,	PUNCT
fsr-3578	105	27	keoghs	keogh	NOUN
fsr-3578	105	28	,	,	PUNCT
fsr-3578	105	29	and	and	CCONJ
fsr-3578	105	30	employersponsored	employersponsore	VERB
fsr-3578	105	31	plans	plan	NOUN
fsr-3578	105	32	balances	balance	NOUN
fsr-3578	105	33	.	.	PUNCT
fsr-3578	106	1	the	the	DET
fsr-3578	106	2	log	log	NOUN
fsr-3578	106	3	of	of	ADP
fsr-3578	106	4	retirement	retirement	NOUN
fsr-3578	106	5	account	account	NOUN
fsr-3578	106	6	assets	asset	NOUN
fsr-3578	106	7	was	be	AUX
fsr-3578	106	8	used	use	VERB
fsr-3578	106	9	to	to	PART
fsr-3578	106	10	account	account	VERB
fsr-3578	106	11	for	for	ADP
fsr-3578	106	12	skewness	skewness	NOUN
fsr-3578	106	13	associated	associate	VERB
fsr-3578	106	14	with	with	ADP
fsr-3578	106	15	this	this	DET
fsr-3578	106	16	measure	measure	NOUN
fsr-3578	106	17	.	.	PUNCT
fsr-3578	107	1	the	the	DET
fsr-3578	107	2	nfcs	nfc	NOUN
fsr-3578	107	3	did	do	AUX
fsr-3578	107	4	not	not	PART
fsr-3578	107	5	measure	measure	VERB
fsr-3578	107	6	retirement	retirement	NOUN
fsr-3578	107	7	account	account	NOUN
fsr-3578	107	8	asset	asset	NOUN
fsr-3578	107	9	balance	balance	NOUN
fsr-3578	107	10	.	.	PUNCT
fsr-3578	108	1	perceived	perceive	VERB
fsr-3578	108	2	retirement	retirement	NOUN
fsr-3578	108	3	preparation	preparation	NOUN
fsr-3578	108	4	.	.	PUNCT
fsr-3578	109	1	perceived	perceive	VERB
fsr-3578	109	2	retirement	retirement	NOUN
fsr-3578	109	3	preparation	preparation	NOUN
fsr-3578	109	4	was	be	AUX
fsr-3578	109	5	measured	measure	VERB
fsr-3578	109	6	by	by	ADP
fsr-3578	109	7	a	a	DET
fsr-3578	109	8	subjective	subjective	ADJ
fsr-3578	109	9	question	question	NOUN
fsr-3578	109	10	capturing	capture	VERB
fsr-3578	109	11	how	how	SCONJ
fsr-3578	109	12	well	well	ADV
fsr-3578	109	13	a	a	DET
fsr-3578	109	14	respondent	respondent	NOUN
fsr-3578	109	15	felt	feel	VERB
fsr-3578	109	16	financially	financially	ADV
fsr-3578	109	17	prepared	prepare	VERB
fsr-3578	109	18	for	for	ADP
fsr-3578	109	19	retirement	retirement	NOUN
fsr-3578	109	20	.	.	PUNCT
fsr-3578	110	1	in	in	ADP
fsr-3578	110	2	the	the	DET
fsr-3578	110	3	shed	shed	NOUN
fsr-3578	110	4	,	,	PUNCT
fsr-3578	110	5	respondents	respondent	NOUN
fsr-3578	110	6	were	be	AUX
fsr-3578	110	7	treated	treat	VERB
fsr-3578	110	8	as	as	ADP
fsr-3578	110	9	“	"	PUNCT
fsr-3578	110	10	yes	yes	INTJ
fsr-3578	110	11	”	"	PUNCT
fsr-3578	110	12	for	for	ADP
fsr-3578	110	13	perceived	perceive	VERB
fsr-3578	110	14	retirement	retirement	NOUN
fsr-3578	110	15	preparation	preparation	NOUN
fsr-3578	110	16	if	if	SCONJ
fsr-3578	110	17	they	they	PRON
fsr-3578	110	18	answered	answer	VERB
fsr-3578	110	19	yes	yes	INTJ
fsr-3578	110	20	to	to	ADP
fsr-3578	110	21	the	the	DET
fsr-3578	110	22	question	question	NOUN
fsr-3578	110	23	,	,	PUNCT
fsr-3578	110	24	“	"	PUNCT
fsr-3578	110	25	do	do	AUX
fsr-3578	110	26	you	you	PRON
fsr-3578	110	27	think	think	VERB
fsr-3578	110	28	that	that	SCONJ
fsr-3578	110	29	your	your	PRON
fsr-3578	110	30	retirement	retirement	NOUN
fsr-3578	110	31	savings	saving	NOUN
fsr-3578	110	32	plan	plan	NOUN
fsr-3578	110	33	is	be	AUX
fsr-3578	110	34	currently	currently	ADV
fsr-3578	110	35	on	on	ADP
fsr-3578	110	36	track	track	NOUN
fsr-3578	110	37	?	?	PUNCT
fsr-3578	110	38	”	"	PUNCT
fsr-3578	111	1	the	the	DET
fsr-3578	111	2	1,481	1,481	NUM
fsr-3578	111	3	missing	miss	VERB
fsr-3578	111	4	observations	observation	NOUN
fsr-3578	111	5	were	be	AUX
fsr-3578	111	6	treated	treat	VERB
fsr-3578	111	7	as	as	ADP
fsr-3578	111	8	missing	miss	VERB
fsr-3578	111	9	data.6	data.6	PROPN
fsr-3578	111	10	the	the	DET
fsr-3578	111	11	scf	scf	PROPN
fsr-3578	111	12	question	question	NOUN
fsr-3578	111	13	that	that	SCONJ
fsr-3578	111	14	captures	capture	NOUN
fsr-3578	111	15	perceived	perceive	VERB
fsr-3578	111	16	retirement	retirement	NOUN
fsr-3578	111	17	preparation	preparation	NOUN
fsr-3578	111	18	reads	read	VERB
fsr-3578	111	19	“	"	PUNCT
fsr-3578	111	20	how	how	SCONJ
fsr-3578	111	21	would	would	AUX
fsr-3578	111	22	you	you	PRON
fsr-3578	111	23	rate	rate	VERB
fsr-3578	111	24	the	the	DET
fsr-3578	111	25	retirement	retirement	NOUN
fsr-3578	111	26	income	income	NOUN
fsr-3578	111	27	you	you	PRON
fsr-3578	111	28	receive	receive	VERB
fsr-3578	111	29	(	(	PUNCT
fsr-3578	111	30	or	or	CCONJ
fsr-3578	111	31	expect	expect	VERB
fsr-3578	111	32	to	to	PART
fsr-3578	111	33	receive	receive	VERB
fsr-3578	111	34	)	)	PUNCT
fsr-3578	111	35	from	from	ADP
fsr-3578	111	36	all	all	DET
fsr-3578	111	37	sources	source	NOUN
fsr-3578	111	38	?	?	PUNCT
fsr-3578	111	39	”	"	PUNCT
fsr-3578	111	40	respondents	respondent	NOUN
fsr-3578	111	41	could	could	AUX
fsr-3578	111	42	respond	respond	VERB
fsr-3578	111	43	on	on	ADP
fsr-3578	111	44	a	a	DET
fsr-3578	111	45	five	five	NUM
fsr-3578	111	46	-	-	PUNCT
fsr-3578	111	47	point	point	NOUN
fsr-3578	111	48	likert	likert	ADJ
fsr-3578	111	49	type	type	NOUN
fsr-3578	111	50	scale	scale	NOUN
fsr-3578	111	51	with	with	ADP
fsr-3578	111	52	a	a	DET
fsr-3578	111	53	score	score	NOUN
fsr-3578	111	54	of	of	ADP
fsr-3578	111	55	one	one	NUM
fsr-3578	111	56	indicative	indicative	ADJ
fsr-3578	111	57	of	of	ADP
fsr-3578	111	58	the	the	DET
fsr-3578	111	59	lowest	low	ADJ
fsr-3578	111	60	level	level	NOUN
fsr-3578	111	61	of	of	ADP
fsr-3578	111	62	perceived	perceive	VERB
fsr-3578	111	63	retirement	retirement	NOUN
fsr-3578	111	64	preparation	preparation	NOUN
fsr-3578	111	65	and	and	CCONJ
fsr-3578	111	66	five	five	NUM
fsr-3578	111	67	indicating	indicate	VERB
fsr-3578	111	68	the	the	DET
fsr-3578	111	69	highest	high	ADJ
fsr-3578	111	70	level	level	NOUN
fsr-3578	111	71	of	of	ADP
fsr-3578	111	72	perceived	perceive	VERB
fsr-3578	111	73	retirement	retirement	NOUN
fsr-3578	111	74	preparation	preparation	NOUN
fsr-3578	111	75	.	.	PUNCT
fsr-3578	112	1	the	the	DET
fsr-3578	112	2	nfcs	nfcs	PROPN
fsr-3578	112	3	question	question	NOUN
fsr-3578	112	4	that	that	PRON
fsr-3578	112	5	captured	capture	VERB
fsr-3578	112	6	perceived	perceive	VERB
fsr-3578	112	7	retirement	retirement	NOUN
fsr-3578	112	8	preparation	preparation	NOUN
fsr-3578	112	9	reads	read	VERB
fsr-3578	112	10	,	,	PUNCT
fsr-3578	112	11	“	"	PUNCT
fsr-3578	112	12	i	i	PRON
fsr-3578	112	13	worry	worry	VERB
fsr-3578	112	14	about	about	ADP
fsr-3578	112	15	running	run	VERB
fsr-3578	112	16	out	out	ADP
fsr-3578	112	17	of	of	ADP
fsr-3578	112	18	money	money	NOUN
fsr-3578	112	19	in	in	ADP
fsr-3578	112	20	retirement	retirement	NOUN
fsr-3578	112	21	.	.	PUNCT
fsr-3578	112	22	”	"	PUNCT
fsr-3578	113	1	respondents	respondent	NOUN
fsr-3578	113	2	could	could	AUX
fsr-3578	113	3	respond	respond	VERB
fsr-3578	113	4	on	on	ADP
fsr-3578	113	5	a	a	DET
fsr-3578	113	6	seven	seven	NUM
fsr-3578	113	7	-	-	PUNCT
fsr-3578	113	8	point	point	NOUN
fsr-3578	113	9	likert	likert	ADJ
fsr-3578	113	10	-	-	PUNCT
fsr-3578	113	11	type	type	NOUN
fsr-3578	113	12	scale	scale	NOUN
fsr-3578	113	13	,	,	PUNCT
fsr-3578	113	14	which	which	PRON
fsr-3578	113	15	was	be	AUX
fsr-3578	113	16	reverse	reverse	ADJ
fsr-3578	113	17	coded	code	VERB
fsr-3578	113	18	to	to	PART
fsr-3578	113	19	directionally	directionally	ADV
fsr-3578	113	20	align	align	VERB
fsr-3578	113	21	with	with	ADP
fsr-3578	113	22	measure	measure	NOUN
fsr-3578	113	23	in	in	ADP
fsr-3578	113	24	the	the	DET
fsr-3578	113	25	shed	shed	NOUN
fsr-3578	113	26	and	and	CCONJ
fsr-3578	113	27	scf	scf	PROPN
fsr-3578	113	28	,	,	PUNCT
fsr-3578	113	29	such	such	ADJ
fsr-3578	113	30	that	that	SCONJ
fsr-3578	113	31	one	one	NOUN
fsr-3578	113	32	represents	represent	VERB
fsr-3578	113	33	the	the	DET
fsr-3578	113	34	lowest	low	ADJ
fsr-3578	113	35	level	level	NOUN
fsr-3578	113	36	of	of	ADP
fsr-3578	113	37	perceived	perceive	VERB
fsr-3578	113	38	retirement	retirement	NOUN
fsr-3578	113	39	preparation	preparation	NOUN
fsr-3578	113	40	and	and	CCONJ
fsr-3578	113	41	seven	seven	NUM
fsr-3578	113	42	represents	represent	VERB
fsr-3578	113	43	the	the	DET
fsr-3578	113	44	highest	high	ADJ
fsr-3578	113	45	.	.	PUNCT
fsr-3578	114	1	the	the	DET
fsr-3578	114	2	211	211	NUM
fsr-3578	114	3	“	"	PUNCT
fsr-3578	114	4	do	do	AUX
fsr-3578	114	5	n’t	not	PART
fsr-3578	114	6	know	know	VERB
fsr-3578	114	7	”	"	PUNCT
fsr-3578	114	8	and	and	CCONJ
fsr-3578	114	9	“	"	PUNCT
fsr-3578	114	10	prefer	prefer	VERB
fsr-3578	114	11	not	not	PART
fsr-3578	114	12	to	to	PART
fsr-3578	114	13	say	say	VERB
fsr-3578	114	14	”	"	PUNCT
fsr-3578	114	15	responses	response	NOUN
fsr-3578	114	16	were	be	AUX
fsr-3578	114	17	treated	treat	VERB
fsr-3578	114	18	as	as	ADP
fsr-3578	114	19	missing	miss	VERB
fsr-3578	114	20	data	datum	NOUN
fsr-3578	114	21	.	.	PUNCT
fsr-3578	115	1	control	control	NOUN
fsr-3578	115	2	variables	variable	NOUN
fsr-3578	115	3	where	where	SCONJ
fsr-3578	115	4	possible	possible	ADJ
fsr-3578	115	5	,	,	PUNCT
fsr-3578	115	6	the	the	DET
fsr-3578	115	7	following	follow	VERB
fsr-3578	115	8	socio	socio	NOUN
fsr-3578	115	9	-	-	PUNCT
fsr-3578	115	10	economic	economic	ADJ
fsr-3578	115	11	and	and	CCONJ
fsr-3578	115	12	behavioral	behavioral	ADJ
fsr-3578	115	13	characteristics	characteristic	NOUN
fsr-3578	115	14	were	be	AUX
fsr-3578	115	15	controlled	control	VERB
fsr-3578	115	16	for	for	ADP
fsr-3578	115	17	:	:	PUNCT
fsr-3578	115	18	age	age	NOUN
fsr-3578	115	19	,	,	PUNCT
fsr-3578	115	20	marital	marital	ADJ
fsr-3578	115	21	status	status	NOUN
fsr-3578	115	22	,	,	PUNCT
fsr-3578	115	23	race	race	NOUN
fsr-3578	115	24	,	,	PUNCT
fsr-3578	115	25	gender	gender	NOUN
fsr-3578	115	26	,	,	PUNCT
fsr-3578	115	27	education	education	NOUN
fsr-3578	115	28	themselves	themselves	PRON
fsr-3578	115	29	to	to	PART
fsr-3578	115	30	be	be	AUX
fsr-3578	115	31	retired	retire	VERB
fsr-3578	115	32	were	be	AUX
fsr-3578	115	33	not	not	PART
fsr-3578	115	34	asked	ask	VERB
fsr-3578	115	35	the	the	DET
fsr-3578	115	36	perceived	perceive	VERB
fsr-3578	115	37	retirement	retirement	NOUN
fsr-3578	115	38	preparation	preparation	NOUN
fsr-3578	115	39	question	question	NOUN
fsr-3578	115	40	,	,	PUNCT
fsr-3578	115	41	which	which	PRON
fsr-3578	115	42	contributed	contribute	VERB
fsr-3578	115	43	to	to	ADP
fsr-3578	115	44	the	the	DET
fsr-3578	115	45	missing	miss	VERB
fsr-3578	115	46	observations	observation	NOUN
fsr-3578	115	47	of	of	ADP
fsr-3578	115	48	this	this	DET
fsr-3578	115	49	measure	measure	NOUN
fsr-3578	115	50	.	.	PUNCT
fsr-3578	116	1	financial	financial	ADJ
fsr-3578	116	2	services	service	NOUN
fsr-3578	116	3	review	review	PROPN
fsr-3578	116	4	,	,	PUNCT
fsr-3578	116	5	33(1	33(1	NUM
fsr-3578	116	6	)	)	PUNCT
fsr-3578	116	7	184	184	NUM
fsr-3578	116	8	of	of	ADP
fsr-3578	116	9	a	a	DET
fsr-3578	116	10	respondent	respondent	NOUN
fsr-3578	116	11	,	,	PUNCT
fsr-3578	116	12	parental	parental	ADJ
fsr-3578	116	13	education	education	NOUN
fsr-3578	116	14	,	,	PUNCT
fsr-3578	116	15	income	income	NOUN
fsr-3578	116	16	,	,	PUNCT
fsr-3578	116	17	health	health	NOUN
fsr-3578	116	18	,	,	PUNCT
fsr-3578	116	19	objective	objective	ADJ
fsr-3578	116	20	and	and	CCONJ
fsr-3578	116	21	subjective	subjective	ADJ
fsr-3578	116	22	financial	financial	ADJ
fsr-3578	116	23	knowledge	knowledge	NOUN
fsr-3578	116	24	,	,	PUNCT
fsr-3578	116	25	risk	risk	NOUN
fsr-3578	116	26	tolerance	tolerance	NOUN
fsr-3578	116	27	.	.	PUNCT
fsr-3578	117	1	controlling	control	VERB
fsr-3578	117	2	for	for	ADP
fsr-3578	117	3	these	these	DET
fsr-3578	117	4	factors	factor	NOUN
fsr-3578	117	5	which	which	PRON
fsr-3578	117	6	were	be	AUX
fsr-3578	117	7	known	know	VERB
fsr-3578	117	8	to	to	PART
fsr-3578	117	9	be	be	AUX
fsr-3578	117	10	associated	associate	VERB
fsr-3578	117	11	with	with	ADP
fsr-3578	117	12	retirement	retirement	NOUN
fsr-3578	117	13	preparation	preparation	NOUN
fsr-3578	117	14	(	(	PUNCT
fsr-3578	117	15	e.g.	e.g.	ADV
fsr-3578	117	16	,	,	PUNCT
fsr-3578	117	17	muratore	muratore	PROPN
fsr-3578	117	18	&	&	CCONJ
fsr-3578	117	19	earl	earl	PROPN
fsr-3578	117	20	,	,	PUNCT
fsr-3578	117	21	2010	2010	NUM
fsr-3578	117	22	;	;	PUNCT
fsr-3578	117	23	ozgen	ozgen	NOUN
fsr-3578	117	24	&	&	CCONJ
fsr-3578	117	25	esiyok	esiyok	PROPN
fsr-3578	117	26	,	,	PUNCT
fsr-3578	117	27	2020	2020	NUM
fsr-3578	117	28	)	)	PUNCT
fsr-3578	117	29	,	,	PUNCT
fsr-3578	117	30	help	help	AUX
fsr-3578	117	31	prevent	prevent	VERB
fsr-3578	117	32	their	their	PRON
fsr-3578	117	33	effects	effect	NOUN
fsr-3578	117	34	from	from	ADP
fsr-3578	117	35	being	be	AUX
fsr-3578	117	36	captured	capture	VERB
fsr-3578	117	37	in	in	ADP
fsr-3578	117	38	the	the	DET
fsr-3578	117	39	error	error	NOUN
fsr-3578	117	40	term	term	NOUN
fsr-3578	117	41	.	.	PUNCT
fsr-3578	118	1	analyses	analysis	NOUN
fsr-3578	118	2	regressions	regression	NOUN
fsr-3578	118	3	were	be	AUX
fsr-3578	118	4	used	use	VERB
fsr-3578	118	5	in	in	ADP
fsr-3578	118	6	each	each	DET
fsr-3578	118	7	data	datum	NOUN
fsr-3578	118	8	set	set	VERB
fsr-3578	118	9	to	to	PART
fsr-3578	118	10	analyze	analyze	VERB
fsr-3578	118	11	the	the	DET
fsr-3578	118	12	relationship	relationship	NOUN
fsr-3578	118	13	between	between	ADP
fsr-3578	118	14	overspending	overspending	NOUN
fsr-3578	118	15	(	(	PUNCT
fsr-3578	118	16	the	the	DET
fsr-3578	118	17	independent	independent	ADJ
fsr-3578	118	18	variables	variable	NOUN
fsr-3578	118	19	)	)	PUNCT
fsr-3578	118	20	and	and	CCONJ
fsr-3578	118	21	retirement	retirement	NOUN
fsr-3578	118	22	preparation	preparation	NOUN
fsr-3578	118	23	(	(	PUNCT
fsr-3578	118	24	the	the	DET
fsr-3578	118	25	dependent	dependent	ADJ
fsr-3578	118	26	variables	variable	NOUN
fsr-3578	118	27	)	)	PUNCT
fsr-3578	118	28	.	.	PUNCT
fsr-3578	119	1	listwise	listwise	ADJ
fsr-3578	119	2	deletion	deletion	NOUN
fsr-3578	119	3	was	be	AUX
fsr-3578	119	4	used	use	VERB
fsr-3578	119	5	to	to	PART
fsr-3578	119	6	handle	handle	VERB
fsr-3578	119	7	missing	miss	VERB
fsr-3578	119	8	data	datum	NOUN
fsr-3578	119	9	in	in	ADP
fsr-3578	119	10	the	the	DET
fsr-3578	119	11	shed	shed	NOUN
fsr-3578	119	12	and	and	CCONJ
fsr-3578	119	13	nfcs	nfc	NOUN
fsr-3578	119	14	.	.	PUNCT
fsr-3578	120	1	the	the	DET
fsr-3578	120	2	repeated	repeat	VERB
fsr-3578	120	3	-	-	PUNCT
fsr-3578	120	4	imputation	imputation	NOUN
fsr-3578	120	5	inference	inference	NOUN
fsr-3578	120	6	(	(	PUNCT
fsr-3578	120	7	rii	rii	NOUN
fsr-3578	120	8	)	)	PUNCT
fsr-3578	120	9	method	method	NOUN
fsr-3578	120	10	as	as	ADV
fsr-3578	120	11	well	well	ADV
fsr-3578	120	12	as	as	ADP
fsr-3578	120	13	bootstrapped	bootstrappe	VERB
fsr-3578	120	14	standard	standard	ADJ
fsr-3578	120	15	errors	error	NOUN
fsr-3578	120	16	,	,	PUNCT
fsr-3578	120	17	was	be	AUX
fsr-3578	120	18	used	use	VERB
fsr-3578	120	19	to	to	PART
fsr-3578	120	20	handle	handle	VERB
fsr-3578	120	21	missing	miss	VERB
fsr-3578	120	22	data	datum	NOUN
fsr-3578	120	23	in	in	ADP
fsr-3578	120	24	the	the	DET
fsr-3578	120	25	scf	scf	PROPN
fsr-3578	120	26	.	.	PUNCT
fsr-3578	121	1	figure	figure	NOUN
fsr-3578	121	2	2	2	NUM
fsr-3578	121	3	.	.	PUNCT
fsr-3578	121	4	empirical	empirical	ADJ
fsr-3578	121	5	model	model	NOUN
fsr-3578	121	6	results	result	VERB
fsr-3578	121	7	descriptive	descriptive	ADJ
fsr-3578	121	8	statistics	statistic	NOUN
fsr-3578	121	9	overspending	overspend	VERB
fsr-3578	121	10	descriptive	descriptive	ADJ
fsr-3578	121	11	statistics	statistic	NOUN
fsr-3578	121	12	.	.	PUNCT
fsr-3578	122	1	table	table	NOUN
fsr-3578	122	2	1	1	NUM
fsr-3578	122	3	displays	display	VERB
fsr-3578	122	4	the	the	DET
fsr-3578	122	5	overspending	overspend	VERB
fsr-3578	122	6	descriptive	descriptive	ADJ
fsr-3578	122	7	statistics	statistic	NOUN
fsr-3578	122	8	.	.	PUNCT
fsr-3578	123	1	in	in	ADP
fsr-3578	123	2	the	the	DET
fsr-3578	123	3	shed	shed	NOUN
fsr-3578	123	4	,	,	PUNCT
fsr-3578	123	5	only	only	ADV
fsr-3578	123	6	about	about	ADV
fsr-3578	123	7	one	one	NUM
fsr-3578	123	8	-	-	PUNCT
fsr-3578	123	9	sixth	sixth	NOUN
fsr-3578	123	10	of	of	ADP
fsr-3578	123	11	the	the	DET
fsr-3578	123	12	sample	sample	NOUN
fsr-3578	123	13	considered	consider	VERB
fsr-3578	123	14	themselves	themselves	PRON
fsr-3578	123	15	to	to	PART
fsr-3578	123	16	be	be	AUX
fsr-3578	123	17	overspending	overspend	VERB
fsr-3578	123	18	,	,	PUNCT
fsr-3578	123	19	as	as	SCONJ
fsr-3578	123	20	measured	measure	VERB
fsr-3578	123	21	by	by	ADP
fsr-3578	123	22	smti	smti	PROPN
fsr-3578	123	23	(	(	PUNCT
fsr-3578	123	24	16	16	NUM
fsr-3578	123	25	%	%	NOUN
fsr-3578	123	26	)	)	PUNCT
fsr-3578	123	27	.	.	PUNCT
fsr-3578	124	1	even	even	ADV
fsr-3578	124	2	fewer	few	ADJ
fsr-3578	124	3	were	be	AUX
fsr-3578	124	4	overspending	overspend	VERB
fsr-3578	124	5	as	as	SCONJ
fsr-3578	124	6	measured	measure	VERB
fsr-3578	124	7	by	by	ADP
fsr-3578	124	8	afs	afs	NOUN
fsr-3578	124	9	usage	usage	NOUN
fsr-3578	124	10	(	(	PUNCT
fsr-3578	124	11	5	5	NUM
fsr-3578	124	12	%	%	NOUN
fsr-3578	124	13	)	)	PUNCT
fsr-3578	124	14	.	.	PUNCT
fsr-3578	125	1	over	over	ADP
fsr-3578	125	2	half	half	DET
fsr-3578	125	3	the	the	DET
fsr-3578	125	4	respondents	respondent	NOUN
fsr-3578	125	5	,	,	PUNCT
fsr-3578	125	6	however	however	ADV
fsr-3578	125	7	,	,	PUNCT
fsr-3578	125	8	were	be	AUX
fsr-3578	125	9	overspending	overspend	VERB
fsr-3578	125	10	as	as	SCONJ
fsr-3578	125	11	measured	measure	VERB
fsr-3578	125	12	by	by	ADP
fsr-3578	125	13	rccd	rccd	NOUN
fsr-3578	125	14	(	(	PUNCT
fsr-3578	125	15	52	52	NUM
fsr-3578	125	16	%	%	NOUN
fsr-3578	125	17	)	)	PUNCT
fsr-3578	125	18	,	,	PUNCT
fsr-3578	125	19	and	and	CCONJ
fsr-3578	125	20	almost	almost	ADV
fsr-3578	125	21	half	half	DET
fsr-3578	125	22	the	the	DET
fsr-3578	125	23	sample	sample	NOUN
fsr-3578	125	24	overspent	overspent	NOUN
fsr-3578	125	25	as	as	SCONJ
fsr-3578	125	26	measured	measure	VERB
fsr-3578	125	27	by	by	ADP
fsr-3578	125	28	aef	aef	PROPN
fsr-3578	125	29	(	(	PUNCT
fsr-3578	125	30	47	47	NUM
fsr-3578	125	31	%	%	NOUN
fsr-3578	125	32	)	)	PUNCT
fsr-3578	125	33	.	.	PUNCT
fsr-3578	126	1	in	in	ADP
fsr-3578	126	2	the	the	DET
fsr-3578	126	3	scf	scf	PROPN
fsr-3578	126	4	,	,	PUNCT
fsr-3578	126	5	very	very	ADV
fsr-3578	126	6	few	few	ADJ
fsr-3578	126	7	respondents	respondent	NOUN
fsr-3578	126	8	were	be	AUX
fsr-3578	126	9	overspending	overspend	VERB
fsr-3578	126	10	as	as	SCONJ
fsr-3578	126	11	measured	measure	VERB
fsr-3578	126	12	by	by	ADP
fsr-3578	126	13	smti	smti	PROPN
fsr-3578	126	14	(	(	PUNCT
fsr-3578	126	15	4	4	NUM
fsr-3578	126	16	%	%	NOUN
fsr-3578	126	17	)	)	PUNCT
fsr-3578	126	18	and	and	CCONJ
fsr-3578	126	19	afs	afs	NOUN
fsr-3578	126	20	usage	usage	NOUN
fsr-3578	126	21	(	(	PUNCT
fsr-3578	126	22	3	3	NUM
fsr-3578	126	23	%	%	NOUN
fsr-3578	126	24	)	)	PUNCT
fsr-3578	126	25	.	.	PUNCT
fsr-3578	127	1	over	over	ADP
fsr-3578	127	2	one	one	NUM
fsr-3578	127	3	-	-	PUNCT
fsr-3578	127	4	third	third	NOUN
fsr-3578	127	5	of	of	ADP
fsr-3578	127	6	the	the	DET
fsr-3578	127	7	sample	sample	NOUN
fsr-3578	127	8	was	be	AUX
fsr-3578	127	9	overspending	overspend	VERB
fsr-3578	127	10	as	as	SCONJ
fsr-3578	127	11	measured	measure	VERB
fsr-3578	127	12	by	by	ADP
fsr-3578	127	13	rccd	rccd	NOUN
fsr-3578	127	14	(	(	PUNCT
fsr-3578	127	15	38	38	NUM
fsr-3578	127	16	%	%	NOUN
fsr-3578	127	17	)	)	PUNCT
fsr-3578	127	18	.	.	PUNCT
fsr-3578	128	1	half	half	DET
fsr-3578	128	2	the	the	DET
fsr-3578	128	3	sample	sample	NOUN
fsr-3578	128	4	overspent	overspent	NOUN
fsr-3578	128	5	as	as	SCONJ
fsr-3578	128	6	measured	measure	VERB
fsr-3578	128	7	by	by	ADP
fsr-3578	128	8	aef	aef	PROPN
fsr-3578	128	9	(	(	PUNCT
fsr-3578	128	10	50	50	NUM
fsr-3578	128	11	%	%	NOUN
fsr-3578	128	12	)	)	PUNCT
fsr-3578	128	13	.	.	PUNCT
fsr-3578	129	1	in	in	ADP
fsr-3578	129	2	the	the	DET
fsr-3578	129	3	nfcs	nfc	NOUN
fsr-3578	129	4	,	,	PUNCT
fsr-3578	129	5	one	one	NUM
fsr-3578	129	6	-	-	PUNCT
fsr-3578	129	7	fifth	fifth	NOUN
fsr-3578	129	8	the	the	DET
fsr-3578	129	9	sample	sample	NOUN
fsr-3578	129	10	overspent	overspent	NOUN
fsr-3578	129	11	,	,	PUNCT
fsr-3578	129	12	as	as	SCONJ
fsr-3578	129	13	measured	measure	VERB
fsr-3578	129	14	by	by	ADP
fsr-3578	129	15	smti	smti	PROPN
fsr-3578	129	16	(	(	PUNCT
fsr-3578	129	17	20	20	NUM
fsr-3578	129	18	%	%	NOUN
fsr-3578	129	19	)	)	PUNCT
fsr-3578	129	20	.	.	PUNCT
fsr-3578	130	1	about	about	ADV
fsr-3578	130	2	one	one	NUM
fsr-3578	130	3	-	-	PUNCT
fsr-3578	130	4	third	third	NOUN
fsr-3578	130	5	of	of	ADP
fsr-3578	130	6	the	the	DET
fsr-3578	130	7	sample	sample	NOUN
fsr-3578	130	8	overspent	overspent	NOUN
fsr-3578	130	9	,	,	PUNCT
fsr-3578	130	10	as	as	SCONJ
fsr-3578	130	11	measured	measure	VERB
fsr-3578	130	12	by	by	ADP
fsr-3578	130	13	afs	afs	NOUN
fsr-3578	130	14	usage	usage	NOUN
fsr-3578	130	15	in	in	ADP
fsr-3578	130	16	the	the	DET
fsr-3578	130	17	past	past	ADJ
fsr-3578	130	18	five	five	NUM
fsr-3578	130	19	years	year	NOUN
fsr-3578	130	20	(	(	PUNCT
fsr-3578	130	21	32	32	NUM
fsr-3578	130	22	%	%	NOUN
fsr-3578	130	23	)	)	PUNCT
fsr-3578	130	24	.	.	PUNCT
fsr-3578	131	1	almost	almost	ADV
fsr-3578	131	2	half	half	DET
fsr-3578	131	3	the	the	DET
fsr-3578	131	4	sample	sample	NOUN
fsr-3578	131	5	overspent	overspent	NOUN
fsr-3578	131	6	,	,	PUNCT
fsr-3578	131	7	as	as	SCONJ
fsr-3578	131	8	measured	measure	VERB
fsr-3578	131	9	by	by	ADP
fsr-3578	131	10	aef	aef	PROPN
fsr-3578	131	11	(	(	PUNCT
fsr-3578	131	12	46	46	NUM
fsr-3578	131	13	%	%	NOUN
fsr-3578	131	14	)	)	PUNCT
fsr-3578	131	15	,	,	PUNCT
fsr-3578	131	16	and	and	CCONJ
fsr-3578	131	17	over	over	ADP
fsr-3578	131	18	a	a	DET
fsr-3578	131	19	third	third	NOUN
fsr-3578	131	20	of	of	ADP
fsr-3578	131	21	the	the	DET
fsr-3578	131	22	sample	sample	NOUN
fsr-3578	131	23	overspent	overspent	NOUN
fsr-3578	131	24	,	,	PUNCT
fsr-3578	131	25	as	as	SCONJ
fsr-3578	131	26	measured	measure	VERB
fsr-3578	131	27	by	by	ADP
fsr-3578	131	28	rccd	rccd	NOUN
fsr-3578	131	29	(	(	PUNCT
fsr-3578	131	30	36	36	NUM
fsr-3578	131	31	%	%	NOUN
fsr-3578	131	32	)	)	PUNCT
fsr-3578	131	33	.	.	PUNCT
fsr-3578	132	1	lynn	lynn	PROPN
fsr-3578	132	2	et	et	PROPN
fsr-3578	132	3	al	al	PROPN
fsr-3578	132	4	.	.	PROPN
fsr-3578	132	5	185	185	NUM
fsr-3578	132	6	retirement	retirement	NOUN
fsr-3578	132	7	preparation	preparation	NOUN
fsr-3578	132	8	descriptive	descriptive	ADJ
fsr-3578	132	9	statistics	statistic	NOUN
fsr-3578	132	10	.	.	PUNCT
fsr-3578	133	1	retirement	retirement	NOUN
fsr-3578	133	2	preparation	preparation	NOUN
fsr-3578	133	3	descriptive	descriptive	ADJ
fsr-3578	133	4	statistics	statistic	NOUN
fsr-3578	133	5	were	be	AUX
fsr-3578	133	6	also	also	ADV
fsr-3578	133	7	listed	list	VERB
fsr-3578	133	8	in	in	ADP
fsr-3578	133	9	table	table	NOUN
fsr-3578	133	10	1	1	NUM
fsr-3578	133	11	.	.	PUNCT
fsr-3578	134	1	in	in	ADP
fsr-3578	134	2	the	the	DET
fsr-3578	134	3	shed	shed	NOUN
fsr-3578	134	4	,	,	PUNCT
fsr-3578	134	5	over	over	ADP
fsr-3578	134	6	four	four	NUM
fsr-3578	134	7	-	-	PUNCT
fsr-3578	134	8	fifths	fifth	NOUN
fsr-3578	134	9	of	of	ADP
fsr-3578	134	10	the	the	DET
fsr-3578	134	11	sample	sample	NOUN
fsr-3578	134	12	owned	own	VERB
fsr-3578	134	13	a	a	DET
fsr-3578	134	14	retirement	retirement	NOUN
fsr-3578	134	15	account	account	NOUN
fsr-3578	134	16	(	(	PUNCT
fsr-3578	134	17	84	84	NUM
fsr-3578	134	18	%	%	NOUN
fsr-3578	134	19	)	)	PUNCT
fsr-3578	134	20	,	,	PUNCT
fsr-3578	134	21	but	but	CCONJ
fsr-3578	134	22	a	a	DET
fsr-3578	134	23	smaller	small	ADJ
fsr-3578	134	24	portion	portion	NOUN
fsr-3578	134	25	felt	feel	VERB
fsr-3578	134	26	on	on	ADP
fsr-3578	134	27	track	track	NOUN
fsr-3578	134	28	for	for	ADP
fsr-3578	134	29	retirement	retirement	NOUN
fsr-3578	134	30	(	(	PUNCT
fsr-3578	134	31	52	52	NUM
fsr-3578	134	32	%	%	NOUN
fsr-3578	134	33	)	)	PUNCT
fsr-3578	134	34	.	.	PUNCT
fsr-3578	135	1	almost	almost	ADV
fsr-3578	135	2	half	half	NOUN
fsr-3578	135	3	of	of	ADP
fsr-3578	135	4	the	the	DET
fsr-3578	135	5	sample	sample	NOUN
fsr-3578	135	6	had	have	VERB
fsr-3578	135	7	under	under	ADP
fsr-3578	135	8	$	$	SYM
fsr-3578	135	9	50,000	50,000	NUM
fsr-3578	135	10	saved	save	VERB
fsr-3578	135	11	for	for	ADP
fsr-3578	135	12	retirement	retirement	NOUN
fsr-3578	135	13	(	(	PUNCT
fsr-3578	135	14	46	46	NUM
fsr-3578	135	15	%	%	NOUN
fsr-3578	135	16	)	)	PUNCT
fsr-3578	135	17	,	,	PUNCT
fsr-3578	135	18	whereas	whereas	SCONJ
fsr-3578	135	19	almost	almost	ADV
fsr-3578	135	20	a	a	DET
fsr-3578	135	21	fourth	fourth	NOUN
fsr-3578	135	22	of	of	ADP
fsr-3578	135	23	the	the	DET
fsr-3578	135	24	sample	sample	NOUN
fsr-3578	135	25	had	have	VERB
fsr-3578	135	26	under	under	ADP
fsr-3578	135	27	$	$	SYM
fsr-3578	135	28	10,000	10,000	NUM
fsr-3578	135	29	saved	save	VERB
fsr-3578	135	30	for	for	ADP
fsr-3578	135	31	retirement	retirement	NOUN
fsr-3578	135	32	(	(	PUNCT
fsr-3578	135	33	24	24	NUM
fsr-3578	135	34	%	%	NOUN
fsr-3578	135	35	)	)	PUNCT
fsr-3578	135	36	.	.	PUNCT
fsr-3578	136	1	in	in	ADP
fsr-3578	136	2	the	the	DET
fsr-3578	136	3	scf	scf	PROPN
fsr-3578	136	4	,	,	PUNCT
fsr-3578	136	5	the	the	DET
fsr-3578	136	6	majority	majority	NOUN
fsr-3578	136	7	of	of	ADP
fsr-3578	136	8	respondents	respondent	NOUN
fsr-3578	136	9	owned	own	VERB
fsr-3578	136	10	a	a	DET
fsr-3578	136	11	retirement	retirement	NOUN
fsr-3578	136	12	account	account	NOUN
fsr-3578	136	13	(	(	PUNCT
fsr-3578	136	14	64	64	NUM
fsr-3578	136	15	%	%	NOUN
fsr-3578	136	16	)	)	PUNCT
fsr-3578	136	17	,	,	PUNCT
fsr-3578	136	18	with	with	ADP
fsr-3578	136	19	about	about	ADP
fsr-3578	136	20	half	half	NOUN
fsr-3578	136	21	of	of	ADP
fsr-3578	136	22	respondents	respondent	NOUN
fsr-3578	136	23	acra	acra	NOUN
fsr-3578	136	24	(	(	PUNCT
fsr-3578	136	25	49	49	NUM
fsr-3578	136	26	%	%	NOUN
fsr-3578	136	27	)	)	PUNCT
fsr-3578	136	28	.	.	PUNCT
fsr-3578	137	1	on	on	ADP
fsr-3578	137	2	a	a	DET
fsr-3578	137	3	scale	scale	NOUN
fsr-3578	137	4	from	from	ADP
fsr-3578	137	5	zero	zero	NUM
fsr-3578	137	6	to	to	ADP
fsr-3578	137	7	$	$	SYM
fsr-3578	137	8	16,400,000	16,400,000	NUM
fsr-3578	137	9	,	,	PUNCT
fsr-3578	137	10	the	the	DET
fsr-3578	137	11	median	median	PROPN
fsr-3578	137	12	retirement	retirement	NOUN
fsr-3578	137	13	account	account	PROPN
fsr-3578	137	14	balance	balance	NOUN
fsr-3578	137	15	was	be	AUX
fsr-3578	137	16	$	$	SYM
fsr-3578	137	17	288,783	288,783	NUM
fsr-3578	137	18	.	.	PUNCT
fsr-3578	138	1	the	the	DET
fsr-3578	138	2	average	average	ADJ
fsr-3578	138	3	respondent	respondent	NOUN
fsr-3578	138	4	reported	report	VERB
fsr-3578	138	5	moderate	moderate	ADJ
fsr-3578	138	6	perceived	perceive	VERB
fsr-3578	138	7	retirement	retirement	NOUN
fsr-3578	138	8	preparation	preparation	NOUN
fsr-3578	138	9	(	(	PUNCT
fsr-3578	138	10	m	m	NOUN
fsr-3578	138	11	=	=	NOUN
fsr-3578	138	12	3.03	3.03	NUM
fsr-3578	138	13	,	,	PUNCT
fsr-3578	138	14	sd	sd	ADP
fsr-3578	138	15	=	=	SYM
fsr-3578	138	16	1.25	1.25	NUM
fsr-3578	138	17	)	)	PUNCT
fsr-3578	138	18	,	,	PUNCT
fsr-3578	138	19	on	on	ADP
fsr-3578	138	20	a	a	DET
fsr-3578	138	21	scale	scale	NOUN
fsr-3578	138	22	from	from	ADP
fsr-3578	138	23	one	one	NUM
fsr-3578	138	24	to	to	ADP
fsr-3578	138	25	five	five	NUM
fsr-3578	138	26	.	.	PUNCT
fsr-3578	139	1	in	in	ADP
fsr-3578	139	2	the	the	DET
fsr-3578	139	3	nfcs	nfc	NOUN
fsr-3578	139	4	,	,	PUNCT
fsr-3578	139	5	four	four	NUM
fsr-3578	139	6	-	-	PUNCT
fsr-3578	139	7	fifths	fifth	NOUN
fsr-3578	139	8	of	of	ADP
fsr-3578	139	9	the	the	DET
fsr-3578	139	10	sample	sample	NOUN
fsr-3578	139	11	owned	own	VERB
fsr-3578	139	12	a	a	DET
fsr-3578	139	13	retirement	retirement	NOUN
fsr-3578	139	14	account	account	NOUN
fsr-3578	139	15	(	(	PUNCT
fsr-3578	139	16	80	80	NUM
fsr-3578	139	17	%	%	NOUN
fsr-3578	139	18	)	)	PUNCT
fsr-3578	139	19	and	and	CCONJ
fsr-3578	139	20	even	even	ADV
fsr-3578	139	21	more	more	ADV
fsr-3578	139	22	indicated	indicate	VERB
fsr-3578	139	23	acra	acra	NOUN
fsr-3578	139	24	(	(	PUNCT
fsr-3578	139	25	88	88	NUM
fsr-3578	139	26	%	%	NOUN
fsr-3578	139	27	)	)	PUNCT
fsr-3578	139	28	.	.	PUNCT
fsr-3578	140	1	perceived	perceive	VERB
fsr-3578	140	2	retirement	retirement	NOUN
fsr-3578	140	3	preparation	preparation	NOUN
fsr-3578	140	4	had	have	VERB
fsr-3578	140	5	a	a	DET
fsr-3578	140	6	mean	mean	NOUN
fsr-3578	140	7	of	of	ADP
fsr-3578	140	8	3.21	3.21	NUM
fsr-3578	140	9	on	on	ADP
fsr-3578	140	10	a	a	DET
fsr-3578	140	11	scale	scale	NOUN
fsr-3578	140	12	of	of	ADP
fsr-3578	140	13	one	one	NUM
fsr-3578	140	14	to	to	PART
fsr-3578	140	15	seven	seven	NUM
fsr-3578	140	16	.	.	PUNCT
fsr-3578	141	1	regression	regression	NOUN
fsr-3578	141	2	results	result	NOUN
fsr-3578	141	3	:	:	PUNCT
fsr-3578	141	4	retirement	retirement	NOUN
fsr-3578	141	5	account	account	NOUN
fsr-3578	141	6	ownership	ownership	NOUN
fsr-3578	141	7	the	the	DET
fsr-3578	141	8	full	full	ADJ
fsr-3578	141	9	list	list	NOUN
fsr-3578	141	10	of	of	ADP
fsr-3578	141	11	results	result	NOUN
fsr-3578	141	12	was	be	AUX
fsr-3578	141	13	displayed	display	VERB
fsr-3578	141	14	in	in	ADP
fsr-3578	141	15	table	table	NOUN
fsr-3578	141	16	2	2	NUM
fsr-3578	141	17	.	.	PUNCT
fsr-3578	142	1	the	the	DET
fsr-3578	142	2	shed	shed	ADJ
fsr-3578	142	3	results	result	NOUN
fsr-3578	142	4	show	show	VERB
fsr-3578	142	5	those	those	PRON
fsr-3578	142	6	who	who	PRON
fsr-3578	142	7	smti	smti	PROPN
fsr-3578	142	8	had	have	VERB
fsr-3578	142	9	31	31	NUM
fsr-3578	142	10	%	%	NOUN
fsr-3578	142	11	lower	low	ADJ
fsr-3578	142	12	odds	odd	NOUN
fsr-3578	142	13	of	of	ADP
fsr-3578	142	14	owning	own	VERB
fsr-3578	142	15	a	a	DET
fsr-3578	142	16	retirement	retirement	NOUN
fsr-3578	142	17	account	account	NOUN
fsr-3578	142	18	(	(	PUNCT
fsr-3578	142	19	or	or	CCONJ
fsr-3578	142	20	=	=	SYM
fsr-3578	142	21	0.69	0.69	NUM
fsr-3578	142	22	,	,	PUNCT
fsr-3578	142	23	p	p	X
fsr-3578	142	24	<	<	X
fsr-3578	142	25	0.001	0.001	NUM
fsr-3578	142	26	)	)	PUNCT
fsr-3578	142	27	;	;	PUNCT
fsr-3578	142	28	those	those	PRON
fsr-3578	142	29	who	who	PRON
fsr-3578	142	30	rccd	rccd	VERB
fsr-3578	142	31	had	have	VERB
fsr-3578	142	32	22	22	NUM
fsr-3578	142	33	%	%	NOUN
fsr-3578	142	34	lower	low	ADJ
fsr-3578	142	35	odds	odd	NOUN
fsr-3578	142	36	of	of	ADP
fsr-3578	142	37	owning	own	VERB
fsr-3578	142	38	a	a	DET
fsr-3578	142	39	retirement	retirement	NOUN
fsr-3578	142	40	account	account	NOUN
fsr-3578	142	41	(	(	PUNCT
fsr-3578	142	42	or	or	CCONJ
fsr-3578	142	43	=	=	SYM
fsr-3578	142	44	0.78	0.78	NUM
fsr-3578	142	45	,	,	PUNCT
fsr-3578	142	46	p	p	X
fsr-3578	142	47	<	<	X
fsr-3578	142	48	0.001	0.001	NUM
fsr-3578	142	49	)	)	PUNCT
fsr-3578	142	50	;	;	PUNCT
fsr-3578	142	51	those	those	PRON
fsr-3578	142	52	with	with	ADP
fsr-3578	142	53	aef	aef	PROPN
fsr-3578	142	54	had	have	VERB
fsr-3578	142	55	65	65	NUM
fsr-3578	142	56	%	%	NOUN
fsr-3578	142	57	lower	low	ADJ
fsr-3578	142	58	odds	odd	NOUN
fsr-3578	142	59	of	of	ADP
fsr-3578	142	60	owning	own	VERB
fsr-3578	142	61	a	a	DET
fsr-3578	142	62	retirement	retirement	NOUN
fsr-3578	142	63	account	account	NOUN
fsr-3578	142	64	(	(	PUNCT
fsr-3578	142	65	or	or	CCONJ
fsr-3578	142	66	=	=	SYM
fsr-3578	142	67	0.35	0.35	NUM
fsr-3578	142	68	,	,	PUNCT
fsr-3578	142	69	p	p	X
fsr-3578	142	70	<	<	X
fsr-3578	142	71	0.001	0.001	NUM
fsr-3578	142	72	)	)	PUNCT
fsr-3578	142	73	.	.	PUNCT
fsr-3578	143	1	the	the	DET
fsr-3578	143	2	scf	scf	PROPN
fsr-3578	143	3	results	result	NOUN
fsr-3578	143	4	reveal	reveal	VERB
fsr-3578	143	5	that	that	SCONJ
fsr-3578	143	6	those	those	PRON
fsr-3578	143	7	who	who	PRON
fsr-3578	143	8	rccd	rccd	VERB
fsr-3578	143	9	had	have	VERB
fsr-3578	143	10	26	26	NUM
fsr-3578	143	11	%	%	NOUN
fsr-3578	143	12	lower	low	ADJ
fsr-3578	143	13	odds	odd	NOUN
fsr-3578	143	14	of	of	ADP
fsr-3578	143	15	owning	own	VERB
fsr-3578	143	16	a	a	DET
fsr-3578	143	17	retirement	retirement	NOUN
fsr-3578	143	18	account	account	NOUN
fsr-3578	143	19	(	(	PUNCT
fsr-3578	143	20	or	or	CCONJ
fsr-3578	143	21	=	=	SYM
fsr-3578	143	22	0.74	0.74	NUM
fsr-3578	143	23	,	,	PUNCT
fsr-3578	143	24	p	p	X
fsr-3578	143	25	<	<	X
fsr-3578	143	26	0.001	0.001	NUM
fsr-3578	143	27	)	)	PUNCT
fsr-3578	143	28	;	;	PUNCT
fsr-3578	143	29	those	those	PRON
fsr-3578	143	30	with	with	ADP
fsr-3578	143	31	aef	aef	PROPN
fsr-3578	143	32	had	have	VERB
fsr-3578	143	33	30	30	NUM
fsr-3578	143	34	%	%	NOUN
fsr-3578	143	35	lower	low	ADJ
fsr-3578	143	36	odds	odd	NOUN
fsr-3578	143	37	of	of	ADP
fsr-3578	143	38	owning	own	VERB
fsr-3578	143	39	a	a	DET
fsr-3578	143	40	retirement	retirement	NOUN
fsr-3578	143	41	account	account	NOUN
fsr-3578	143	42	(	(	PUNCT
fsr-3578	143	43	or	or	CCONJ
fsr-3578	143	44	=	=	SYM
fsr-3578	143	45	0.70	0.70	NUM
fsr-3578	143	46	,	,	PUNCT
fsr-3578	143	47	p	p	X
fsr-3578	143	48	<	<	X
fsr-3578	143	49	0.001	0.001	NUM
fsr-3578	143	50	)	)	PUNCT
fsr-3578	143	51	.	.	PUNCT
fsr-3578	144	1	the	the	DET
fsr-3578	144	2	nfcs	nfcs	PROPN
fsr-3578	144	3	results	result	NOUN
fsr-3578	144	4	show	show	VERB
fsr-3578	144	5	that	that	SCONJ
fsr-3578	144	6	those	those	PRON
fsr-3578	144	7	who	who	PRON
fsr-3578	144	8	rccd	rccd	VERB
fsr-3578	144	9	had	have	VERB
fsr-3578	144	10	33	33	NUM
fsr-3578	144	11	%	%	NOUN
fsr-3578	144	12	lower	low	ADJ
fsr-3578	144	13	odds	odd	NOUN
fsr-3578	144	14	of	of	ADP
fsr-3578	144	15	owning	own	VERB
fsr-3578	144	16	a	a	DET
fsr-3578	144	17	retirement	retirement	NOUN
fsr-3578	144	18	account	account	NOUN
fsr-3578	144	19	(	(	PUNCT
fsr-3578	144	20	or	or	CCONJ
fsr-3578	144	21	=	=	SYM
fsr-3578	144	22	0.67	0.67	NUM
fsr-3578	144	23	,	,	PUNCT
fsr-3578	144	24	p	p	X
fsr-3578	144	25	<	<	X
fsr-3578	144	26	0.001	0.001	NUM
fsr-3578	144	27	)	)	PUNCT
fsr-3578	144	28	,	,	PUNCT
fsr-3578	144	29	and	and	CCONJ
fsr-3578	144	30	those	those	PRON
fsr-3578	144	31	with	with	ADP
fsr-3578	144	32	aef	aef	PROPN
fsr-3578	144	33	had	have	VERB
fsr-3578	144	34	53	53	NUM
fsr-3578	144	35	percent	percent	NOUN
fsr-3578	144	36	lower	low	ADJ
fsr-3578	144	37	odds	odd	NOUN
fsr-3578	144	38	of	of	ADP
fsr-3578	144	39	owning	own	VERB
fsr-3578	144	40	a	a	DET
fsr-3578	144	41	retirement	retirement	NOUN
fsr-3578	144	42	account	account	NOUN
fsr-3578	144	43	(	(	PUNCT
fsr-3578	144	44	or	or	CCONJ
fsr-3578	144	45	=	=	SYM
fsr-3578	144	46	0.47	0.47	NUM
fsr-3578	144	47	,	,	PUNCT
fsr-3578	144	48	p	p	X
fsr-3578	144	49	<	<	X
fsr-3578	144	50	0.001	0.001	NUM
fsr-3578	144	51	)	)	PUNCT
fsr-3578	144	52	.	.	PUNCT
fsr-3578	145	1	financial	financial	ADJ
fsr-3578	145	2	services	services	PROPN
fsr-3578	145	3	review	review	PROPN
fsr-3578	145	4	,	,	PUNCT
fsr-3578	145	5	33(1	33(1	NUM
fsr-3578	145	6	)	)	PUNCT
fsr-3578	145	7	186	186	NUM
fsr-3578	145	8	table	table	NOUN
fsr-3578	145	9	1	1	NUM
fsr-3578	145	10	.	.	PUNCT
fsr-3578	145	11	descriptive	descriptive	ADJ
fsr-3578	145	12	statistics	statistic	NOUN
fsr-3578	145	13	shed	shed	VERB
fsr-3578	145	14	,	,	PUNCT
fsr-3578	145	15	n	n	NOUN
fsr-3578	145	16	=	=	SYM
fsr-3578	145	17	6,651	6,651	NUM
fsr-3578	145	18	scf	scf	PROPN
fsr-3578	145	19	,	,	PUNCT
fsr-3578	145	20	n	n	NOUN
fsr-3578	145	21	=	=	NOUN
fsr-3578	145	22	3,361	3,361	NUM
fsr-3578	145	23	nfcs	nfc	NOUN
fsr-3578	145	24	,	,	PUNCT
fsr-3578	145	25	n	n	NOUN
fsr-3578	145	26	=	=	SYM
fsr-3578	145	27	10,800	10,800	NUM
fsr-3578	145	28	variable	variable	NOUN
fsr-3578	145	29	n	n	PRON
fsr-3578	145	30	%	%	NOUN
fsr-3578	145	31	n	n	PRON
fsr-3578	145	32	m/%	m/%	PROPN
fsr-3578	145	33	sd	sd	PART
fsr-3578	145	34	min	min	NOUN
fsr-3578	145	35	max	max	PROPN
fsr-3578	145	36	n	n	CCONJ
fsr-3578	145	37	m/%	m/%	PROPN
fsr-3578	145	38	sd	sd	ADP
fsr-3578	145	39	min	min	PROPN
fsr-3578	145	40	max	max	PROPN
fsr-3578	145	41	retirement	retirement	PROPN
fsr-3578	145	42	preparation	preparation	NOUN
fsr-3578	145	43	owns	own	VERB
fsr-3578	145	44	a	a	DET
fsr-3578	145	45	retirement	retirement	NOUN
fsr-3578	145	46	account	account	NOUN
fsr-3578	145	47	5,104	5,104	NUM
fsr-3578	145	48	83.50	83.50	NUM
fsr-3578	145	49	%	%	NOUN
fsr-3578	145	50	2,135	2,135	NUM
fsr-3578	145	51	63.53	63.53	NUM
fsr-3578	145	52	%	%	NOUN
fsr-3578	145	53	8,012	8,012	NUM
fsr-3578	145	54	80.49	80.49	NUM
fsr-3578	145	55	%	%	NOUN
fsr-3578	145	56	actively	actively	ADV
fsr-3578	145	57	contributes	contribute	VERB
fsr-3578	145	58	to	to	ADP
fsr-3578	145	59	a	a	DET
fsr-3578	145	60	retirement	retirement	NOUN
fsr-3578	145	61	account	account	NOUN
fsr-3578	145	62	1,652	1,652	NUM
fsr-3578	145	63	49.15	49.15	NUM
fsr-3578	145	64	%	%	NOUN
fsr-3578	145	65	5,954	5,954	NUM
fsr-3578	145	66	87.87	87.87	NUM
fsr-3578	145	67	%	%	NOUN
fsr-3578	145	68	retirement	retirement	NOUN
fsr-3578	145	69	account	account	NOUN
fsr-3578	145	70	assets	asset	NOUN
fsr-3578	145	71	3,361	3,361	NUM
fsr-3578	145	72	$	$	SYM
fsr-3578	145	73	2,000	2,000	NUM
fsr-3578	145	74	$	$	SYM
fsr-3578	145	75	288,783	288,783	NUM
fsr-3578	145	76	0	0	NUM
fsr-3578	145	77	$	$	SYM
fsr-3578	145	78	16,400,000	16,400,000	NUM
fsr-3578	145	79	<	<	X
fsr-3578	145	80	$	$	SYM
fsr-3578	145	81	24,999	24,999	NUM
fsr-3578	145	82	1,732	1,732	NUM
fsr-3578	145	83	35.00	35.00	NUM
fsr-3578	145	84	%	%	NOUN
fsr-3578	145	85	$	$	SYM
fsr-3578	145	86	25,000-$249,999	25,000-$249,999	NUM
fsr-3578	145	87	1,902	1,902	NUM
fsr-3578	145	88	38.43	38.43	NUM
fsr-3578	145	89	%	%	NOUN
fsr-3578	145	90	$	$	SYM
fsr-3578	145	91	250,000	250,000	NUM
fsr-3578	145	92	$	$	SYM
fsr-3578	145	93	1,000,000	1,000,000	NUM
fsr-3578	145	94	+	+	NUM
fsr-3578	145	95	1,314	1,314	NUM
fsr-3578	145	96	26.57	26.57	NUM
fsr-3578	145	97	%	%	NOUN
fsr-3578	145	98	perceived	perceive	VERB
fsr-3578	145	99	retirement	retirement	NOUN
fsr-3578	145	100	preparation	preparation	NOUN
fsr-3578	145	101	:	:	PUNCT
fsr-3578	145	102	on	on	ADP
fsr-3578	145	103	track	track	NOUN
fsr-3578	145	104	5,170	5,170	NUM
fsr-3578	145	105	51.59	51.59	NUM
fsr-3578	145	106	%	%	NOUN
fsr-3578	145	107	3,361	3,361	NUM
fsr-3578	145	108	3.03	3.03	NUM
fsr-3578	145	109	1.25	1.25	NUM
fsr-3578	145	110	1	1	NUM
fsr-3578	145	111	5	5	NUM
fsr-3578	145	112	10,589	10,589	NUM
fsr-3578	145	113	3.21	3.21	NUM
fsr-3578	145	114	1.93	1.93	NUM
fsr-3578	145	115	1	1	NUM
fsr-3578	145	116	7	7	NUM
fsr-3578	145	117	overspending	overspending	NOUN
fsr-3578	145	118	spends	spend	VERB
fsr-3578	145	119	more	more	ADJ
fsr-3578	145	120	than	than	ADP
fsr-3578	145	121	income	income	NOUN
fsr-3578	145	122	1,034	1,034	NUM
fsr-3578	145	123	15.60	15.60	NUM
fsr-3578	145	124	%	%	NOUN
fsr-3578	145	125	123	123	NUM
fsr-3578	145	126	3.67	3.67	NUM
fsr-3578	145	127	%	%	NOUN
fsr-3578	145	128	2,104	2,104	NUM
fsr-3578	145	129	20.02	20.02	NUM
fsr-3578	145	130	%	%	NOUN
fsr-3578	145	131	revolves	revolve	VERB
fsr-3578	145	132	credit	credit	NOUN
fsr-3578	145	133	card	card	NOUN
fsr-3578	145	134	debt	debt	NOUN
fsr-3578	145	135	3,437	3,437	NUM
fsr-3578	145	136	51.87	51.87	NUM
fsr-3578	145	137	%	%	NOUN
fsr-3578	145	138	1,288	1,288	NUM
fsr-3578	145	139	38.31	38.31	NUM
fsr-3578	145	140	%	%	NOUN
fsr-3578	145	141	3,766	3,766	NUM
fsr-3578	145	142	35.50	35.50	NUM
fsr-3578	145	143	%	%	NOUN
fsr-3578	145	144	uses	use	VERB
fsr-3578	145	145	afs	afs	NOUN
fsr-3578	145	146	351	351	NUM
fsr-3578	145	147	5.30	5.30	NUM
fsr-3578	145	148	%	%	NOUN
fsr-3578	145	149	101	101	NUM
fsr-3578	145	150	3.01	3.01	NUM
fsr-3578	145	151	%	%	NOUN
fsr-3578	145	152	3,356	3,356	NUM
fsr-3578	145	153	31.86	31.86	NUM
fsr-3578	145	154	%	%	NOUN
fsr-3578	145	155	absence	absence	NOUN
fsr-3578	145	156	of	of	ADP
fsr-3578	145	157	emergency	emergency	NOUN
fsr-3578	145	158	fund	fund	NOUN
fsr-3578	145	159	3,143	3,143	NUM
fsr-3578	145	160	47.37	47.37	NUM
fsr-3578	145	161	%	%	NOUN
fsr-3578	145	162	1,678	1,678	NUM
fsr-3578	145	163	49.93	49.93	NUM
fsr-3578	145	164	%	%	NOUN
fsr-3578	145	165	4,808	4,808	NUM
fsr-3578	145	166	46.26	46.26	NUM
fsr-3578	145	167	%	%	NOUN
fsr-3578	145	168	note	note	NOUN
fsr-3578	145	169	.	.	PUNCT
fsr-3578	146	1	analyses	analysis	NOUN
fsr-3578	146	2	were	be	AUX
fsr-3578	146	3	weighted	weight	VERB
fsr-3578	146	4	.	.	PUNCT
fsr-3578	147	1	data	datum	NOUN
fsr-3578	147	2	from	from	ADP
fsr-3578	147	3	the	the	DET
fsr-3578	147	4	2019	2019	NUM
fsr-3578	147	5	shed	shed	NOUN
fsr-3578	147	6	,	,	PUNCT
fsr-3578	147	7	2019	2019	NUM
fsr-3578	147	8	scf	scf	PROPN
fsr-3578	147	9	,	,	PUNCT
fsr-3578	147	10	and	and	CCONJ
fsr-3578	147	11	2018	2018	NUM
fsr-3578	147	12	nfcs	nfc	NOUN
fsr-3578	147	13	.	.	PUNCT
fsr-3578	148	1	samples	sample	NOUN
fsr-3578	148	2	restricted	restrict	VERB
fsr-3578	148	3	to	to	ADP
fsr-3578	148	4	only	only	ADV
fsr-3578	148	5	those	those	PRON
fsr-3578	148	6	working	work	VERB
fsr-3578	148	7	as	as	ADP
fsr-3578	148	8	a	a	DET
fsr-3578	148	9	paid	pay	VERB
fsr-3578	148	10	employee	employee	NOUN
fsr-3578	148	11	.	.	PUNCT
fsr-3578	149	1	lynn	lynn	PROPN
fsr-3578	149	2	et	et	PROPN
fsr-3578	149	3	al	al	PROPN
fsr-3578	149	4	.	.	PROPN
fsr-3578	150	1	187	187	NUM
fsr-3578	150	2	table	table	NOUN
fsr-3578	150	3	2	2	NUM
fsr-3578	150	4	.	.	PUNCT
fsr-3578	150	5	binary	binary	ADJ
fsr-3578	150	6	logistic	logistic	ADJ
fsr-3578	150	7	regression	regression	NOUN
fsr-3578	150	8	of	of	ADP
fsr-3578	150	9	retirement	retirement	NOUN
fsr-3578	150	10	account	account	NOUN
fsr-3578	150	11	ownership	ownership	NOUN
fsr-3578	150	12	shed	shed	NOUN
fsr-3578	150	13	,	,	PUNCT
fsr-3578	150	14	n	n	NOUN
fsr-3578	150	15	=	=	SYM
fsr-3578	150	16	5,069	5,069	NUM
fsr-3578	150	17	scf	scf	PROPN
fsr-3578	150	18	,	,	PUNCT
fsr-3578	150	19	n	n	NOUN
fsr-3578	150	20	=	=	NOUN
fsr-3578	150	21	3,361	3,361	NUM
fsr-3578	150	22	nfcs	nfc	NOUN
fsr-3578	150	23	,	,	PUNCT
fsr-3578	150	24	n	n	NOUN
fsr-3578	150	25	=	=	SYM
fsr-3578	150	26	9,114	9,114	NUM
fsr-3578	150	27	variable	variable	PROPN
fsr-3578	150	28	b	b	PROPN
fsr-3578	150	29	se	se	PROPN
fsr-3578	150	30	or	or	CCONJ
fsr-3578	150	31	b	b	PROPN
fsr-3578	150	32	se	se	PROPN
fsr-3578	150	33	or	or	CCONJ
fsr-3578	150	34	b	b	PROPN
fsr-3578	150	35	se	se	ADV
fsr-3578	150	36	or	or	CCONJ
fsr-3578	150	37	intercept	intercept	VERB
fsr-3578	150	38	0.39	0.39	NUM
fsr-3578	150	39	0.34	0.34	NUM
fsr-3578	150	40	1.48	1.48	NUM
fsr-3578	150	41	-7.43	-7.43	NOUN
fsr-3578	150	42	*	*	NOUN
fsr-3578	150	43	*	*	PUNCT
fsr-3578	150	44	*	*	PROPN
fsr-3578	150	45	0.87	0.87	NUM
fsr-3578	150	46	0.00	0.00	NUM
fsr-3578	150	47	-1.14	-1.14	NOUN
fsr-3578	150	48	*	*	PUNCT
fsr-3578	150	49	*	*	PUNCT
fsr-3578	150	50	*	*	NOUN
fsr-3578	150	51	0.3	0.3	NUM
fsr-3578	150	52	0.32	0.32	NUM
fsr-3578	150	53	spends	spend	NOUN
fsr-3578	150	54	more	more	ADJ
fsr-3578	150	55	than	than	ADP
fsr-3578	150	56	income	income	NOUN
fsr-3578	150	57	-0.36	-0.36	NOUN
fsr-3578	150	58	*	*	PROPN
fsr-3578	150	59	0.14	0.14	NUM
fsr-3578	150	60	0.69	0.69	NUM
fsr-3578	150	61	0.03	0.03	NUM
fsr-3578	150	62	0.22	0.22	NUM
fsr-3578	150	63	1.03	1.03	NUM
fsr-3578	150	64	0.02	0.02	NUM
fsr-3578	150	65	0.09	0.09	NUM
fsr-3578	150	66	1.02	1.02	NUM
fsr-3578	150	67	revolves	revolve	NOUN
fsr-3578	150	68	credit	credit	NOUN
fsr-3578	150	69	card	card	NOUN
fsr-3578	150	70	debt	debt	NOUN
fsr-3578	150	71	-0.25	-0.25	NUM
fsr-3578	150	72	*	*	PUNCT
fsr-3578	150	73	*	*	PUNCT
fsr-3578	150	74	*	*	PUNCT
fsr-3578	150	75	0.04	0.04	NUM
fsr-3578	150	76	0.78	0.78	NUM
fsr-3578	150	77	-0.30	-0.30	NOUN
fsr-3578	150	78	*	*	PUNCT
fsr-3578	150	79	*	*	PUNCT
fsr-3578	150	80	*	*	PUNCT
fsr-3578	150	81	0.07	0.07	NUM
fsr-3578	150	82	0.74	0.74	NUM
fsr-3578	150	83	-0.40	-0.40	NOUN
fsr-3578	150	84	*	*	PUNCT
fsr-3578	150	85	*	*	PROPN
fsr-3578	150	86	*	*	NOUN
fsr-3578	150	87	0.06	0.06	NUM
fsr-3578	150	88	0.67	0.67	NUM
fsr-3578	150	89	uses	use	VERB
fsr-3578	150	90	afs	afs	NOUN
fsr-3578	150	91	0.14	0.14	NUM
fsr-3578	150	92	0.23	0.23	NUM
fsr-3578	150	93	1.15	1.15	NUM
fsr-3578	150	94	0.14	0.14	NUM
fsr-3578	150	95	0.19	0.19	NUM
fsr-3578	150	96	1.15	1.15	NUM
fsr-3578	150	97	-0.09	-0.09	NUM
fsr-3578	150	98	0.09	0.09	NUM
fsr-3578	150	99	0.91	0.91	NUM
fsr-3578	150	100	absence	absence	NOUN
fsr-3578	150	101	of	of	ADP
fsr-3578	150	102	emergency	emergency	NOUN
fsr-3578	150	103	fund	fund	NOUN
fsr-3578	150	104	-1.05	-1.05	NOUN
fsr-3578	150	105	*	*	PUNCT
fsr-3578	150	106	*	*	PUNCT
fsr-3578	150	107	*	*	PUNCT
fsr-3578	150	108	0.15	0.15	NUM
fsr-3578	150	109	0.35	0.35	NUM
fsr-3578	150	110	-0.35	-0.35	NOUN
fsr-3578	150	111	*	*	PUNCT
fsr-3578	150	112	*	*	PUNCT
fsr-3578	150	113	*	*	PUNCT
fsr-3578	150	114	0.07	0.07	NUM
fsr-3578	150	115	0.70	0.70	NUM
fsr-3578	150	116	-0.75	-0.75	NUM
fsr-3578	150	117	*	*	PUNCT
fsr-3578	150	118	*	*	PUNCT
fsr-3578	150	119	*	*	PROPN
fsr-3578	150	120	0.08	0.08	NUM
fsr-3578	150	121	0.47	0.47	NUM
fsr-3578	150	122	control	control	NOUN
fsr-3578	150	123	variables	variable	NOUN
fsr-3578	150	124	age	age	NOUN
fsr-3578	150	125	(	(	PUNCT
fsr-3578	150	126	under	under	ADP
fsr-3578	150	127	35	35	NUM
fsr-3578	150	128	)	)	PUNCT
fsr-3578	150	129	0.01	0.01	NUM
fsr-3578	150	130	*	*	PUNCT
fsr-3578	150	131	*	*	PUNCT
fsr-3578	150	132	0.00	0.00	NUM
fsr-3578	150	133	1.01	1.01	NUM
fsr-3578	150	134	35	35	NUM
fsr-3578	150	135	-	-	SYM
fsr-3578	150	136	44	44	NUM
fsr-3578	150	137	0.54	0.54	NUM
fsr-3578	150	138	*	*	PUNCT
fsr-3578	150	139	*	*	PUNCT
fsr-3578	150	140	*	*	PUNCT
fsr-3578	150	141	0.16	0.16	NUM
fsr-3578	150	142	1.71	1.71	NUM
fsr-3578	150	143	0.28	0.28	NUM
fsr-3578	150	144	*	*	PUNCT
fsr-3578	150	145	*	*	PUNCT
fsr-3578	150	146	0.10	0.10	NUM
fsr-3578	150	147	1.32	1.32	NUM
fsr-3578	150	148	45	45	NUM
fsr-3578	150	149	-	-	SYM
fsr-3578	150	150	54	54	NUM
fsr-3578	150	151	0.74	0.74	NUM
fsr-3578	150	152	*	*	PUNCT
fsr-3578	150	153	*	*	PUNCT
fsr-3578	150	154	*	*	X
fsr-3578	150	155	0.18	0.18	NUM
fsr-3578	150	156	2.10	2.10	NUM
fsr-3578	150	157	0.46	0.46	NUM
fsr-3578	150	158	*	*	PUNCT
fsr-3578	150	159	*	*	PUNCT
fsr-3578	150	160	*	*	PUNCT
fsr-3578	150	161	0.11	0.11	NUM
fsr-3578	150	162	1.59	1.59	NUM
fsr-3578	150	163	55	55	NUM
fsr-3578	150	164	-	-	SYM
fsr-3578	150	165	64	64	NUM
fsr-3578	150	166	0.92	0.92	NUM
fsr-3578	150	167	*	*	PUNCT
fsr-3578	150	168	*	*	PUNCT
fsr-3578	150	169	*	*	PUNCT
fsr-3578	150	170	0.20	0.20	NUM
fsr-3578	150	171	2.51	2.51	NUM
fsr-3578	150	172	0.72	0.72	NUM
fsr-3578	150	173	*	*	PUNCT
fsr-3578	150	174	*	*	PUNCT
fsr-3578	150	175	*	*	PUNCT
fsr-3578	150	176	0.15	0.15	NUM
fsr-3578	150	177	2.06	2.06	NUM
fsr-3578	150	178	65	65	NUM
fsr-3578	150	179	or	or	CCONJ
fsr-3578	150	180	older	old	ADJ
fsr-3578	150	181	1.06	1.06	NUM
fsr-3578	150	182	*	*	NOUN
fsr-3578	150	183	0.43	0.43	NUM
fsr-3578	150	184	2.90	2.90	NUM
fsr-3578	150	185	0.42	0.42	NUM
fsr-3578	150	186	0.30	0.30	NUM
fsr-3578	150	187	1.53	1.53	NUM
fsr-3578	150	188	marital	marital	ADJ
fsr-3578	150	189	status	status	NOUN
fsr-3578	150	190	(	(	PUNCT
fsr-3578	150	191	married	married	ADJ
fsr-3578	150	192	)	)	PUNCT
fsr-3578	150	193	living	live	VERB
fsr-3578	150	194	with	with	ADP
fsr-3578	150	195	partner	partner	NOUN
fsr-3578	150	196	or	or	CCONJ
fsr-3578	150	197	never	never	ADV
fsr-3578	150	198	married	marry	VERB
fsr-3578	150	199	-0.49	-0.49	NOUN
fsr-3578	150	200	*	*	NOUN
fsr-3578	150	201	*	*	PUNCT
fsr-3578	150	202	*	*	PUNCT
fsr-3578	150	203	0.14	0.14	NUM
fsr-3578	150	204	0.61	0.61	NUM
fsr-3578	150	205	0.10	0.10	NUM
fsr-3578	150	206	0.10	0.10	NUM
fsr-3578	150	207	1.11	1.11	NUM
fsr-3578	150	208	-0.32	-0.32	VERB
fsr-3578	150	209	*	*	PUNCT
fsr-3578	150	210	*	*	PUNCT
fsr-3578	150	211	*	*	NOUN
fsr-3578	150	212	0.09	0.09	NUM
fsr-3578	150	213	0.72	0.72	NUM
fsr-3578	150	214	separated	separate	VERB
fsr-3578	150	215	or	or	CCONJ
fsr-3578	150	216	divorced	divorce	VERB
fsr-3578	150	217	-0.29	-0.29	NUM
fsr-3578	150	218	0.18	0.18	NUM
fsr-3578	150	219	0.75	0.75	NUM
fsr-3578	150	220	-0.01	-0.01	NUM
fsr-3578	150	221	0.11	0.11	NUM
fsr-3578	150	222	0.99	0.99	NUM
fsr-3578	150	223	-0.28	-0.28	NUM
fsr-3578	150	224	*	*	NOUN
fsr-3578	150	225	0.13	0.13	NUM
fsr-3578	150	226	0.75	0.75	NUM
fsr-3578	150	227	widowed	widow	VERB
fsr-3578	150	228	1.53	1.53	NUM
fsr-3578	150	229	0.96	0.96	NUM
fsr-3578	150	230	4.63	4.63	NUM
fsr-3578	150	231	-0.74	-0.74	NOUN
fsr-3578	150	232	*	*	NOUN
fsr-3578	150	233	*	*	NOUN
fsr-3578	150	234	0.27	0.27	NUM
fsr-3578	150	235	0.48	0.48	NUM
fsr-3578	150	236	race	race	NOUN
fsr-3578	150	237	of	of	ADP
fsr-3578	150	238	respondent	respondent	NOUN
fsr-3578	150	239	(	(	PUNCT
fsr-3578	150	240	white	white	ADJ
fsr-3578	150	241	)	)	PUNCT
fsr-3578	150	242	-0.01	-0.01	NUM
fsr-3578	150	243	0.08	0.08	NUM
fsr-3578	150	244	0.99	0.99	NUM
fsr-3578	150	245	black	black	ADJ
fsr-3578	150	246	0.10	0.10	NUM
fsr-3578	150	247	0.18	0.18	NUM
fsr-3578	150	248	1.11	1.11	NUM
fsr-3578	150	249	-0.05	-0.05	NUM
fsr-3578	150	250	0.08	0.08	NUM
fsr-3578	150	251	0.95	0.95	NUM
fsr-3578	150	252	hispanic	hispanic	NOUN
fsr-3578	150	253	-0.12	-0.12	NUM
fsr-3578	150	254	0.17	0.17	NUM
fsr-3578	150	255	0.95	0.95	NUM
fsr-3578	150	256	-0.45	-0.45	NUM
fsr-3578	150	257	*	*	PUNCT
fsr-3578	150	258	*	*	PUNCT
fsr-3578	150	259	*	*	PUNCT
fsr-3578	150	260	0.13	0.13	NUM
fsr-3578	150	261	0.64	0.64	NUM
fsr-3578	150	262	asian	asian	ADJ
fsr-3578	150	263	or	or	CCONJ
fsr-3578	150	264	other	other	ADJ
fsr-3578	150	265	-0.05	-0.05	NUM
fsr-3578	150	266	0.24	0.24	NUM
fsr-3578	150	267	0.87	0.87	NUM
fsr-3578	150	268	0.10	0.10	NUM
fsr-3578	150	269	0.17	0.17	NUM
fsr-3578	150	270	1.11	1.11	NUM
fsr-3578	150	271	gender	gender	NOUN
fsr-3578	150	272	of	of	ADP
fsr-3578	150	273	respondent	respondent	NOUN
fsr-3578	150	274	(	(	PUNCT
fsr-3578	150	275	male	male	NOUN
fsr-3578	150	276	)	)	PUNCT
fsr-3578	150	277	0.15	0.15	NUM
fsr-3578	150	278	0.12	0.12	NUM
fsr-3578	150	279	1.17	1.17	NUM
fsr-3578	150	280	0.12	0.12	NUM
fsr-3578	150	281	0.10	0.10	NUM
fsr-3578	150	282	1.13	1.13	NUM
fsr-3578	150	283	0.38	0.38	NUM
fsr-3578	150	284	*	*	PUNCT
fsr-3578	150	285	*	*	PUNCT
fsr-3578	150	286	*	*	PUNCT
fsr-3578	150	287	0.08	0.08	NUM
fsr-3578	150	288	1.45	1.45	NUM
fsr-3578	150	289	education	education	NOUN
fsr-3578	150	290	(	(	PUNCT
fsr-3578	150	291	high	high	ADJ
fsr-3578	150	292	school	school	NOUN
fsr-3578	150	293	degree	degree	NOUN
fsr-3578	150	294	)	)	PUNCT
fsr-3578	150	295	no	no	DET
fsr-3578	150	296	high	high	ADJ
fsr-3578	150	297	school	school	NOUN
fsr-3578	150	298	degree	degree	NOUN
fsr-3578	150	299	-0.79	-0.79	NOUN
fsr-3578	150	300	*	*	NOUN
fsr-3578	150	301	*	*	NOUN
fsr-3578	150	302	0.27	0.27	NUM
fsr-3578	150	303	0.45	0.45	NUM
fsr-3578	150	304	-0.76	-0.76	NUM
fsr-3578	150	305	*	*	PROPN
fsr-3578	150	306	*	*	PUNCT
fsr-3578	150	307	*	*	PUNCT
fsr-3578	150	308	0.20	0.20	NUM
fsr-3578	150	309	0.47	0.47	NUM
fsr-3578	150	310	-0.69	-0.69	NOUN
fsr-3578	150	311	0.37	0.37	NUM
fsr-3578	150	312	0.50	0.50	NUM
fsr-3578	150	313	financial	financial	ADJ
fsr-3578	150	314	services	service	NOUN
fsr-3578	150	315	review	review	PROPN
fsr-3578	150	316	,	,	PUNCT
fsr-3578	150	317	33(1	33(1	NUM
fsr-3578	150	318	)	)	PUNCT
fsr-3578	150	319	188	188	NUM
fsr-3578	150	320	some	some	DET
fsr-3578	150	321	college	college	NOUN
fsr-3578	150	322	0.18	0.18	NUM
fsr-3578	150	323	0.15	0.15	NUM
fsr-3578	150	324	1.20	1.20	NUM
fsr-3578	150	325	0.13	0.13	NUM
fsr-3578	150	326	0.09	0.09	NUM
fsr-3578	150	327	1.14	1.14	NUM
fsr-3578	150	328	0.12	0.12	NUM
fsr-3578	150	329	0.11	0.11	NUM
fsr-3578	150	330	1.12	1.12	NUM
fsr-3578	150	331	bachelor	bachelor	NOUN
fsr-3578	150	332	's	's	PART
fsr-3578	150	333	degree	degree	NOUN
fsr-3578	150	334	1.03	1.03	NUM
fsr-3578	150	335	*	*	PUNCT
fsr-3578	150	336	*	*	PUNCT
fsr-3578	150	337	*	*	X
fsr-3578	150	338	0.18	0.18	NUM
fsr-3578	150	339	2.80	2.80	NUM
fsr-3578	150	340	0.62	0.62	NUM
fsr-3578	150	341	*	*	PUNCT
fsr-3578	150	342	*	*	PUNCT
fsr-3578	150	343	*	*	PUNCT
fsr-3578	150	344	0.12	0.12	NUM
fsr-3578	150	345	1.86	1.86	NUM
fsr-3578	150	346	0.61	0.61	NUM
fsr-3578	150	347	*	*	PUNCT
fsr-3578	150	348	*	*	PUNCT
fsr-3578	150	349	*	*	PUNCT
fsr-3578	150	350	0.15	0.15	NUM
fsr-3578	150	351	1.85	1.85	NUM
fsr-3578	150	352	advanced	advanced	ADJ
fsr-3578	150	353	0.90	0.90	NUM
fsr-3578	150	354	*	*	PUNCT
fsr-3578	150	355	*	*	PUNCT
fsr-3578	150	356	*	*	PUNCT
fsr-3578	150	357	0.13	0.13	NUM
fsr-3578	150	358	2.46	2.46	NUM
fsr-3578	150	359	0.55	0.55	NUM
fsr-3578	150	360	*	*	PUNCT
fsr-3578	150	361	*	*	PUNCT
fsr-3578	150	362	0.19	0.19	NUM
fsr-3578	150	363	1.74	1.74	NUM
fsr-3578	150	364	parental	parental	ADJ
fsr-3578	150	365	education	education	NOUN
fsr-3578	150	366	(	(	PUNCT
fsr-3578	150	367	high	high	ADJ
fsr-3578	150	368	school	school	NOUN
fsr-3578	150	369	degree	degree	NOUN
fsr-3578	150	370	)	)	PUNCT
fsr-3578	150	371	no	no	DET
fsr-3578	150	372	high	high	ADJ
fsr-3578	150	373	school	school	NOUN
fsr-3578	150	374	degree	degree	NOUN
fsr-3578	150	375	0.01	0.01	NUM
fsr-3578	150	376	0.23	0.23	NUM
fsr-3578	150	377	1.01	1.01	NUM
fsr-3578	150	378	-0.36	-0.36	NOUN
fsr-3578	150	379	*	*	NOUN
fsr-3578	150	380	*	*	NOUN
fsr-3578	150	381	0.12	0.12	NUM
fsr-3578	150	382	0.70	0.70	NUM
fsr-3578	150	383	0.02	0.02	NUM
fsr-3578	150	384	0.19	0.19	NUM
fsr-3578	150	385	1.02	1.02	NUM
fsr-3578	150	386	some	some	DET
fsr-3578	150	387	college	college	NOUN
fsr-3578	150	388	0.06	0.06	NUM
fsr-3578	150	389	0.16	0.16	NUM
fsr-3578	150	390	1.06	1.06	NUM
fsr-3578	150	391	-0.08	-0.08	NUM
fsr-3578	150	392	0.11	0.11	NUM
fsr-3578	150	393	0.92	0.92	NUM
fsr-3578	150	394	-0.04	-0.04	NUM
fsr-3578	150	395	0.11	0.11	NUM
fsr-3578	150	396	0.96	0.96	NUM
fsr-3578	150	397	bachelor	bachelor	NOUN
fsr-3578	150	398	's	's	PART
fsr-3578	150	399	degree	degree	NOUN
fsr-3578	150	400	-0.14	-0.14	NOUN
fsr-3578	150	401	0.17	0.17	NUM
fsr-3578	150	402	0.87	0.87	NUM
fsr-3578	150	403	0.03	0.03	NUM
fsr-3578	150	404	0.10	0.10	NUM
fsr-3578	150	405	1.03	1.03	NUM
fsr-3578	150	406	-0.48	-0.48	NOUN
fsr-3578	150	407	*	*	NOUN
fsr-3578	150	408	*	*	PUNCT
fsr-3578	150	409	*	*	NOUN
fsr-3578	150	410	0.13	0.13	NUM
fsr-3578	150	411	0.62	0.62	NUM
fsr-3578	150	412	advanced	advanced	ADJ
fsr-3578	150	413	degree	degree	NOUN
fsr-3578	150	414	0.13	0.13	NUM
fsr-3578	150	415	0.22	0.22	NUM
fsr-3578	150	416	1.14	1.14	NUM
fsr-3578	150	417	-0.39	-0.39	NOUN
fsr-3578	150	418	*	*	PUNCT
fsr-3578	150	419	0.17	0.17	NUM
fsr-3578	150	420	0.67	0.67	NUM
fsr-3578	150	421	risk	risk	NOUN
fsr-3578	150	422	tolerance	tolerance	NOUN
fsr-3578	150	423	0.08	0.08	NUM
fsr-3578	150	424	*	*	SYM
fsr-3578	150	425	*	*	PUNCT
fsr-3578	150	426	0.02	0.02	NUM
fsr-3578	150	427	1.08	1.08	NUM
fsr-3578	150	428	0.02	0.02	NUM
fsr-3578	150	429	0.02	0.02	NUM
fsr-3578	150	430	1.02	1.02	NUM
fsr-3578	150	431	0.10	0.10	NUM
fsr-3578	150	432	*	*	PUNCT
fsr-3578	150	433	*	*	PUNCT
fsr-3578	150	434	*	*	PUNCT
fsr-3578	150	435	0.02	0.02	NUM
fsr-3578	150	436	1.10	1.10	NUM
fsr-3578	150	437	income	income	NOUN
fsr-3578	150	438	(	(	PUNCT
fsr-3578	150	439	under	under	ADP
fsr-3578	150	440	$	$	SYM
fsr-3578	150	441	25,000	25,000	NUM
fsr-3578	150	442	)	)	PUNCT
fsr-3578	150	443	0.64	0.64	NUM
fsr-3578	150	444	*	*	PUNCT
fsr-3578	150	445	*	*	PUNCT
fsr-3578	150	446	*	*	PUNCT
fsr-3578	150	447	0.07	0.07	NUM
fsr-3578	150	448	1.90	1.90	NUM
fsr-3578	150	449	$	$	SYM
fsr-3578	150	450	25,000-$49,999	25,000-$49,999	NUM
fsr-3578	150	451	0.70	0.70	NUM
fsr-3578	150	452	*	*	PUNCT
fsr-3578	150	453	*	*	PUNCT
fsr-3578	150	454	*	*	X
fsr-3578	150	455	0.18	0.18	NUM
fsr-3578	150	456	2.02	2.02	NUM
fsr-3578	150	457	0.67	0.67	NUM
fsr-3578	150	458	*	*	PUNCT
fsr-3578	150	459	*	*	PUNCT
fsr-3578	150	460	*	*	PUNCT
fsr-3578	150	461	0.12	0.12	NUM
fsr-3578	150	462	1.94	1.94	NUM
fsr-3578	150	463	$	$	SYM
fsr-3578	150	464	50,000-$74,999	50,000-$74,999	NOUN
fsr-3578	150	465	1.00	1.00	NUM
fsr-3578	150	466	*	*	SYM
fsr-3578	150	467	*	*	PUNCT
fsr-3578	150	468	*	*	PUNCT
fsr-3578	150	469	0.19	0.19	NUM
fsr-3578	150	470	2.71	2.71	NUM
fsr-3578	150	471	1.27	1.27	NUM
fsr-3578	150	472	*	*	PUNCT
fsr-3578	150	473	*	*	PUNCT
fsr-3578	150	474	*	*	PUNCT
fsr-3578	150	475	0.13	0.13	NUM
fsr-3578	150	476	3.56	3.56	NUM
fsr-3578	150	477	$	$	SYM
fsr-3578	150	478	75,000-$99,999	75,000-$99,999	NUM
fsr-3578	150	479	0.91	0.91	NUM
fsr-3578	150	480	*	*	PUNCT
fsr-3578	150	481	*	*	PUNCT
fsr-3578	150	482	*	*	PUNCT
fsr-3578	150	483	0.22	0.22	NUM
fsr-3578	150	484	2.46	2.46	NUM
fsr-3578	150	485	2.00	2.00	NUM
fsr-3578	150	486	*	*	PUNCT
fsr-3578	150	487	*	*	PUNCT
fsr-3578	150	488	*	*	PUNCT
fsr-3578	150	489	0.17	0.17	NUM
fsr-3578	150	490	7.39	7.39	NUM
fsr-3578	150	491	$	$	SYM
fsr-3578	150	492	100,000-$149,999	100,000-$149,999	NUM
fsr-3578	150	493	1.43	1.43	NUM
fsr-3578	150	494	*	*	PUNCT
fsr-3578	150	495	*	*	PUNCT
fsr-3578	150	496	*	*	PUNCT
fsr-3578	150	497	0.24	0.24	NUM
fsr-3578	150	498	4.20	4.20	NUM
fsr-3578	150	499	2.15	2.15	NUM
fsr-3578	150	500	*	*	PUNCT
fsr-3578	150	501	*	*	PUNCT
fsr-3578	150	502	*	*	X
fsr-3578	150	503	0.18	0.18	NUM
fsr-3578	150	504	8.63	8.63	NUM
fsr-3578	150	505	$	$	SYM
fsr-3578	150	506	150,000	150,000	NUM
fsr-3578	150	507	or	or	CCONJ
fsr-3578	150	508	more	more	ADJ
fsr-3578	150	509	1.40	1.40	NUM
fsr-3578	150	510	*	*	PUNCT
fsr-3578	150	511	*	*	PUNCT
fsr-3578	150	512	*	*	PUNCT
fsr-3578	150	513	0.30	0.30	NUM
fsr-3578	150	514	4.04	4.04	NUM
fsr-3578	150	515	2.43	2.43	NUM
fsr-3578	150	516	*	*	PUNCT
fsr-3578	150	517	*	*	PUNCT
fsr-3578	150	518	*	*	PUNCT
fsr-3578	150	519	0.27	0.27	NUM
fsr-3578	150	520	11.36	11.36	NUM
fsr-3578	150	521	objective	objective	ADJ
fsr-3578	150	522	financial	financial	ADJ
fsr-3578	150	523	knowledge	knowledge	NOUN
fsr-3578	150	524	0.34	0.34	NUM
fsr-3578	150	525	*	*	PUNCT
fsr-3578	150	526	*	*	PUNCT
fsr-3578	150	527	*	*	PUNCT
fsr-3578	150	528	0.06	0.06	NUM
fsr-3578	150	529	1.41	1.41	NUM
fsr-3578	150	530	0.17	0.17	NUM
fsr-3578	150	531	*	*	PUNCT
fsr-3578	150	532	*	*	PUNCT
fsr-3578	150	533	*	*	PUNCT
fsr-3578	150	534	0.04	0.04	NUM
fsr-3578	150	535	1.19	1.19	NUM
fsr-3578	150	536	0.18	0.18	NUM
fsr-3578	150	537	*	*	PUNCT
fsr-3578	150	538	*	*	PUNCT
fsr-3578	150	539	*	*	PUNCT
fsr-3578	150	540	0.03	0.03	NUM
fsr-3578	150	541	1.20	1.20	NUM
fsr-3578	150	542	subjective	subjective	ADJ
fsr-3578	150	543	financial	financial	ADJ
fsr-3578	150	544	knowledge	knowledge	NOUN
fsr-3578	150	545	-0.01	-0.01	NUM
fsr-3578	150	546	0.02	0.02	NUM
fsr-3578	150	547	0.99	0.99	NUM
fsr-3578	150	548	0.01	0.01	NUM
fsr-3578	150	549	0.03	0.03	NUM
fsr-3578	150	550	1.01	1.01	NUM
fsr-3578	150	551	financial	financial	ADJ
fsr-3578	150	552	attitude	attitude	NOUN
fsr-3578	150	553	0.06	0.06	NUM
fsr-3578	150	554	*	*	NOUN
fsr-3578	150	555	*	*	PUNCT
fsr-3578	150	556	0.02	0.02	NUM
fsr-3578	150	557	1.06	1.06	NUM
fsr-3578	150	558	health	health	NOUN
fsr-3578	150	559	(	(	PUNCT
fsr-3578	150	560	excellent	excellent	ADJ
fsr-3578	150	561	)	)	PUNCT
fsr-3578	150	562	fair	fair	NOUN
fsr-3578	150	563	-0.14	-0.14	NOUN
fsr-3578	150	564	0.12	0.12	NUM
fsr-3578	150	565	0.87	0.87	NUM
fsr-3578	150	566	-0.16	-0.16	NUM
fsr-3578	150	567	0.09	0.09	NUM
fsr-3578	150	568	0.85	0.85	NUM
fsr-3578	150	569	poor	poor	ADJ
fsr-3578	150	570	0.27	0.27	NUM
fsr-3578	150	571	0.44	0.44	NUM
fsr-3578	150	572	-1.18	-1.18	PROPN
fsr-3578	150	573	*	*	PUNCT
fsr-3578	150	574	*	*	NOUN
fsr-3578	150	575	0.34	0.34	NUM
fsr-3578	150	576	0.31	0.31	NUM
fsr-3578	150	577	model	model	NOUN
fsr-3578	150	578	fit	fit	ADJ
fsr-3578	150	579	statistics	statistic	NOUN
fsr-3578	150	580	c	c	NOUN
fsr-3578	150	581	-	-	PUNCT
fsr-3578	150	582	statistic	statistic	ADJ
fsr-3578	150	583	0.88	0.88	NUM
fsr-3578	150	584	log	log	NOUN
fsr-3578	150	585	likelihood	likelihood	NOUN
fsr-3578	150	586	-1,772	-1,772	NOUN
fsr-3578	150	587	c	c	NOUN
fsr-3578	150	588	-	-	PUNCT
fsr-3578	150	589	statistic	statistic	ADJ
fsr-3578	150	590	0.83	0.83	NUM
fsr-3578	150	591	pseudo	pseudo	NOUN
fsr-3578	150	592	r2	r2	NOUN
fsr-3578	150	593	0.32	0.32	NUM
fsr-3578	150	594	pseudo	pseudo	NOUN
fsr-3578	150	595	r2	r2	NOUN
fsr-3578	150	596	0.20	0.20	NUM
fsr-3578	150	597	pseudo	pseudo	NOUN
fsr-3578	150	598	r2	r2	NOUN
fsr-3578	150	599	0.24	0.24	NUM
fsr-3578	150	600	note	note	NOUN
fsr-3578	150	601	.	.	PUNCT
fsr-3578	151	1	analyses	analysis	NOUN
fsr-3578	151	2	were	be	AUX
fsr-3578	151	3	weighted	weight	VERB
fsr-3578	151	4	.	.	PUNCT
fsr-3578	152	1	scf	scf	PROPN
fsr-3578	152	2	income	income	NOUN
fsr-3578	152	3	was	be	AUX
fsr-3578	152	4	logged	log	VERB
fsr-3578	152	5	.	.	PUNCT
fsr-3578	153	1	data	datum	NOUN
fsr-3578	153	2	from	from	ADP
fsr-3578	153	3	the	the	DET
fsr-3578	153	4	2019	2019	NUM
fsr-3578	153	5	shed	shed	NOUN
fsr-3578	153	6	,	,	PUNCT
fsr-3578	153	7	2019	2019	NUM
fsr-3578	153	8	scf	scf	PROPN
fsr-3578	153	9	,	,	PUNCT
fsr-3578	153	10	and	and	CCONJ
fsr-3578	153	11	2018	2018	NUM
fsr-3578	153	12	nfcs	nfc	NOUN
fsr-3578	153	13	.	.	PUNCT
fsr-3578	154	1	restricted	restrict	VERB
fsr-3578	154	2	samples	sample	NOUN
fsr-3578	154	3	to	to	ADP
fsr-3578	154	4	only	only	ADV
fsr-3578	154	5	those	those	PRON
fsr-3578	154	6	working	work	VERB
fsr-3578	154	7	full	full	ADJ
fsr-3578	154	8	-	-	PUNCT
fsr-3578	154	9	time	time	NOUN
fsr-3578	154	10	.	.	PUNCT
fsr-3578	155	1	*	*	PUNCT
fsr-3578	156	1	p	p	X
fsr-3578	156	2	<	<	X
fsr-3578	156	3	.05	.05	NUM
fsr-3578	156	4	;	;	PUNCT
fsr-3578	156	5	*	*	PUNCT
fsr-3578	156	6	*	*	PUNCT
fsr-3578	156	7	p	p	X
fsr-3578	156	8	<	<	X
fsr-3578	156	9	.01	.01	NUM
fsr-3578	156	10	;	;	PUNCT
fsr-3578	156	11	*	*	PUNCT
fsr-3578	156	12	*	*	PUNCT
fsr-3578	156	13	*	*	PUNCT
fsr-3578	157	1	p	p	X
fsr-3578	157	2	<	<	X
fsr-3578	157	3	.001	.001	NUM
fsr-3578	157	4	.	.	PUNCT
fsr-3578	158	1	lynn	lynn	PROPN
fsr-3578	158	2	et	et	PROPN
fsr-3578	158	3	al	al	PROPN
fsr-3578	158	4	.	.	PROPN
fsr-3578	158	5	189	189	NUM
fsr-3578	158	6	retirement	retirement	NOUN
fsr-3578	158	7	results	result	NOUN
fsr-3578	158	8	:	:	PUNCT
fsr-3578	158	9	active	active	ADJ
fsr-3578	158	10	contribution	contribution	NOUN
fsr-3578	158	11	to	to	ADP
fsr-3578	158	12	a	a	DET
fsr-3578	158	13	retirement	retirement	NOUN
fsr-3578	158	14	account	account	NOUN
fsr-3578	158	15	the	the	DET
fsr-3578	158	16	scf	scf	PROPN
fsr-3578	158	17	results	result	NOUN
fsr-3578	158	18	(	(	PUNCT
fsr-3578	158	19	table	table	NOUN
fsr-3578	158	20	3	3	NUM
fsr-3578	158	21	)	)	PUNCT
fsr-3578	158	22	indicate	indicate	VERB
fsr-3578	158	23	that	that	SCONJ
fsr-3578	158	24	those	those	PRON
fsr-3578	158	25	who	who	PRON
fsr-3578	158	26	rccd	rccd	VERB
fsr-3578	158	27	had	have	VERB
fsr-3578	158	28	21	21	NUM
fsr-3578	158	29	%	%	NOUN
fsr-3578	158	30	lower	low	ADJ
fsr-3578	158	31	odds	odd	NOUN
fsr-3578	158	32	of	of	ADP
fsr-3578	158	33	acra	acra	NOUN
fsr-3578	158	34	(	(	PUNCT
fsr-3578	158	35	or	or	CCONJ
fsr-3578	158	36	=	=	SYM
fsr-3578	158	37	0.79	0.79	NUM
fsr-3578	158	38	,	,	PUNCT
fsr-3578	158	39	p	p	X
fsr-3578	158	40	<	<	X
fsr-3578	158	41	0.001	0.001	NUM
fsr-3578	158	42	)	)	PUNCT
fsr-3578	158	43	.	.	PUNCT
fsr-3578	159	1	the	the	DET
fsr-3578	159	2	nfcs	nfcs	PROPN
fsr-3578	159	3	results	result	NOUN
fsr-3578	159	4	show	show	VERB
fsr-3578	159	5	that	that	SCONJ
fsr-3578	159	6	those	those	PRON
fsr-3578	159	7	who	who	PRON
fsr-3578	159	8	reported	report	VERB
fsr-3578	159	9	aef	aef	PROPN
fsr-3578	159	10	were	be	AUX
fsr-3578	159	11	associated	associate	VERB
fsr-3578	159	12	with	with	ADP
fsr-3578	159	13	37	37	NUM
fsr-3578	159	14	%	%	NOUN
fsr-3578	159	15	lower	low	ADJ
fsr-3578	159	16	odds	odd	NOUN
fsr-3578	159	17	of	of	ADP
fsr-3578	159	18	acra	acra	NOUN
fsr-3578	159	19	(	(	PUNCT
fsr-3578	159	20	or	or	CCONJ
fsr-3578	159	21	=	=	SYM
fsr-3578	159	22	0.63	0.63	NUM
fsr-3578	159	23	,	,	PUNCT
fsr-3578	159	24	p	p	X
fsr-3578	159	25	<	<	X
fsr-3578	159	26	0.001	0.001	NUM
fsr-3578	159	27	)	)	PUNCT
fsr-3578	159	28	.	.	PUNCT
fsr-3578	160	1	table	table	NOUN
fsr-3578	161	1	3	3	NUM
fsr-3578	161	2	.	.	PUNCT
fsr-3578	161	3	binary	binary	ADJ
fsr-3578	161	4	logistic	logistic	ADJ
fsr-3578	161	5	regression	regression	NOUN
fsr-3578	161	6	of	of	ADP
fsr-3578	161	7	active	active	ADJ
fsr-3578	161	8	contributions	contribution	NOUN
fsr-3578	161	9	to	to	ADP
fsr-3578	161	10	a	a	DET
fsr-3578	161	11	retirement	retirement	NOUN
fsr-3578	161	12	account	account	NOUN
fsr-3578	161	13	scf	scf	PROPN
fsr-3578	161	14	,	,	PUNCT
fsr-3578	161	15	n	n	NOUN
fsr-3578	161	16	=	=	NOUN
fsr-3578	161	17	3,361	3,361	NUM
fsr-3578	161	18	nfcs	nfc	NOUN
fsr-3578	161	19	,	,	PUNCT
fsr-3578	161	20	n	n	NOUN
fsr-3578	161	21	=	=	SYM
fsr-3578	161	22	6,351	6,351	NUM
fsr-3578	161	23	variable	variable	PROPN
fsr-3578	161	24	b	b	X
fsr-3578	161	25	se	se	PROPN
fsr-3578	161	26	or	or	CCONJ
fsr-3578	161	27	b	b	PROPN
fsr-3578	161	28	se	se	ADV
fsr-3578	161	29	or	or	CCONJ
fsr-3578	161	30	intercept	intercept	VERB
fsr-3578	161	31	-6.16	-6.16	NOUN
fsr-3578	161	32	*	*	PUNCT
fsr-3578	161	33	*	*	PUNCT
fsr-3578	161	34	*	*	PUNCT
fsr-3578	161	35	0.80	0.80	NUM
fsr-3578	161	36	0.00	0.00	NUM
fsr-3578	161	37	0.95	0.95	NUM
fsr-3578	161	38	*	*	PUNCT
fsr-3578	161	39	*	*	PUNCT
fsr-3578	161	40	*	*	PUNCT
fsr-3578	161	41	0.44	0.44	NUM
fsr-3578	161	42	2.57	2.57	NUM
fsr-3578	161	43	spends	spend	NOUN
fsr-3578	161	44	more	more	ADJ
fsr-3578	161	45	than	than	ADP
fsr-3578	161	46	income	income	NOUN
fsr-3578	161	47	0.06	0.06	NUM
fsr-3578	161	48	0.22	0.22	NUM
fsr-3578	161	49	1.06	1.06	NUM
fsr-3578	161	50	-0.16	-0.16	NUM
fsr-3578	161	51	0.13	0.13	NUM
fsr-3578	161	52	0.86	0.86	NUM
fsr-3578	161	53	revolves	revolve	NOUN
fsr-3578	161	54	credit	credit	NOUN
fsr-3578	161	55	card	card	NOUN
fsr-3578	161	56	debt	debt	NOUN
fsr-3578	161	57	-0.24	-0.24	NOUN
fsr-3578	161	58	*	*	PUNCT
fsr-3578	161	59	*	*	PUNCT
fsr-3578	161	60	*	*	X
fsr-3578	161	61	0.06	0.06	NUM
fsr-3578	161	62	0.79	0.79	NUM
fsr-3578	161	63	-0.11	-0.11	NUM
fsr-3578	161	64	0.13	0.13	NUM
fsr-3578	161	65	1.00	1.00	NUM
fsr-3578	161	66	uses	use	VERB
fsr-3578	161	67	afs	afs	NOUN
fsr-3578	161	68	-0.02	-0.02	NUM
fsr-3578	161	69	0.18	0.18	NUM
fsr-3578	161	70	0.98	0.98	NUM
fsr-3578	161	71	-0.46	-0.46	NUM
fsr-3578	161	72	0.11	0.11	NUM
fsr-3578	161	73	0.89	0.89	NUM
fsr-3578	161	74	absence	absence	NOUN
fsr-3578	161	75	of	of	ADP
fsr-3578	161	76	emergency	emergency	NOUN
fsr-3578	161	77	fund	fund	NOUN
fsr-3578	161	78	-0.12	-0.12	NUM
fsr-3578	161	79	0.07	0.07	NUM
fsr-3578	161	80	0.89	0.89	NUM
fsr-3578	161	81	-0.11	-0.11	NOUN
fsr-3578	161	82	*	*	PUNCT
fsr-3578	161	83	*	*	PUNCT
fsr-3578	161	84	*	*	PUNCT
fsr-3578	161	85	0.11	0.11	NUM
fsr-3578	161	86	0.63	0.63	NUM
fsr-3578	161	87	control	control	NOUN
fsr-3578	161	88	variables	variable	NOUN
fsr-3578	161	89	age	age	NOUN
fsr-3578	161	90	(	(	PUNCT
fsr-3578	161	91	under	under	ADP
fsr-3578	161	92	35	35	NUM
fsr-3578	161	93	)	)	PUNCT
fsr-3578	161	94	-0.01	-0.01	NUM
fsr-3578	161	95	*	*	PROPN
fsr-3578	161	96	0.00	0.00	NUM
fsr-3578	161	97	0.99	0.99	NUM
fsr-3578	161	98	35	35	NUM
fsr-3578	161	99	-	-	SYM
fsr-3578	161	100	44	44	NUM
fsr-3578	161	101	0.08	0.08	NUM
fsr-3578	161	102	0.14	0.14	NUM
fsr-3578	161	103	1.09	1.09	NUM
fsr-3578	161	104	45	45	NUM
fsr-3578	161	105	-	-	SYM
fsr-3578	161	106	54	54	NUM
fsr-3578	161	107	0.00	0.00	NUM
fsr-3578	161	108	0.14	0.14	NUM
fsr-3578	161	109	1.00	1.00	NUM
fsr-3578	161	110	55	55	NUM
fsr-3578	161	111	-	-	SYM
fsr-3578	161	112	64	64	NUM
fsr-3578	161	113	-0.35	-0.35	NOUN
fsr-3578	161	114	*	*	PUNCT
fsr-3578	161	115	0.15	0.15	NUM
fsr-3578	161	116	0.71	0.71	NUM
fsr-3578	161	117	65	65	NUM
fsr-3578	161	118	or	or	CCONJ
fsr-3578	161	119	older	old	ADJ
fsr-3578	161	120	-0.83	-0.83	NOUN
fsr-3578	161	121	*	*	NOUN
fsr-3578	161	122	*	*	NOUN
fsr-3578	161	123	0.24	0.24	NUM
fsr-3578	161	124	0.44	0.44	NUM
fsr-3578	161	125	marital	marital	ADJ
fsr-3578	161	126	status	status	NOUN
fsr-3578	161	127	(	(	PUNCT
fsr-3578	161	128	married	married	ADJ
fsr-3578	161	129	)	)	PUNCT
fsr-3578	161	130	living	live	VERB
fsr-3578	161	131	with	with	ADP
fsr-3578	161	132	partner	partner	NOUN
fsr-3578	161	133	or	or	CCONJ
fsr-3578	161	134	never	never	ADV
fsr-3578	161	135	married	marry	VERB
fsr-3578	161	136	0.19	0.19	NUM
fsr-3578	161	137	*	*	NOUN
fsr-3578	161	138	0.08	0.08	NUM
fsr-3578	161	139	1.21	1.21	NUM
fsr-3578	161	140	0.13	0.13	NUM
fsr-3578	161	141	0.12	0.12	NUM
fsr-3578	161	142	1.15	1.15	NUM
fsr-3578	161	143	separated	separate	VERB
fsr-3578	161	144	or	or	CCONJ
fsr-3578	161	145	divorced	divorce	VERB
fsr-3578	161	146	0.02	0.02	NUM
fsr-3578	161	147	0.10	0.10	NUM
fsr-3578	161	148	1.02	1.02	NUM
fsr-3578	161	149	0.01	0.01	NUM
fsr-3578	161	150	0.16	0.16	NUM
fsr-3578	161	151	1.01	1.01	NUM
fsr-3578	161	152	widowed	widow	VERB
fsr-3578	161	153	-0.37	-0.37	NUM
fsr-3578	161	154	0.34	0.34	NUM
fsr-3578	161	155	0.69	0.69	NUM
fsr-3578	161	156	race	race	NOUN
fsr-3578	161	157	of	of	ADP
fsr-3578	161	158	respondent	respondent	NOUN
fsr-3578	161	159	(	(	PUNCT
fsr-3578	161	160	white	white	ADJ
fsr-3578	161	161	)	)	PUNCT
fsr-3578	161	162	0.01	0.01	NUM
fsr-3578	161	163	0.11	0.11	NUM
fsr-3578	161	164	1.01	1.01	NUM
fsr-3578	161	165	black	black	ADJ
fsr-3578	161	166	-0.09	-0.09	NUM
fsr-3578	161	167	0.09	0.09	NUM
fsr-3578	161	168	0.91	0.91	NUM
fsr-3578	161	169	hispanic	hispanic	ADJ
fsr-3578	161	170	-0.34	-0.34	NOUN
fsr-3578	161	171	*	*	PUNCT
fsr-3578	161	172	*	*	NOUN
fsr-3578	161	173	0.12	0.12	NUM
fsr-3578	161	174	0.71	0.71	NUM
fsr-3578	161	175	asian	asian	ADJ
fsr-3578	161	176	or	or	CCONJ
fsr-3578	161	177	other	other	ADJ
fsr-3578	161	178	0.28	0.28	NUM
fsr-3578	161	179	*	*	SYM
fsr-3578	161	180	0.12	0.12	NUM
fsr-3578	161	181	1.32	1.32	NUM
fsr-3578	161	182	gender	gender	NOUN
fsr-3578	161	183	of	of	ADP
fsr-3578	161	184	respondent	respondent	NOUN
fsr-3578	161	185	(	(	PUNCT
fsr-3578	161	186	male	male	NOUN
fsr-3578	161	187	)	)	PUNCT
fsr-3578	161	188	0.23	0.23	NUM
fsr-3578	161	189	*	*	SYM
fsr-3578	161	190	0.09	0.09	NUM
fsr-3578	161	191	1.26	1.26	NUM
fsr-3578	161	192	0.03	0.03	NUM
fsr-3578	161	193	0.10	0.10	NUM
fsr-3578	161	194	1.03	1.03	NUM
fsr-3578	161	195	education	education	NOUN
fsr-3578	161	196	(	(	PUNCT
fsr-3578	161	197	high	high	ADJ
fsr-3578	161	198	school	school	NOUN
fsr-3578	161	199	degree	degree	NOUN
fsr-3578	161	200	)	)	PUNCT
fsr-3578	161	201	no	no	DET
fsr-3578	161	202	high	high	ADJ
fsr-3578	161	203	school	school	NOUN
fsr-3578	161	204	degree	degree	NOUN
fsr-3578	161	205	-0.76	-0.76	PROPN
fsr-3578	161	206	*	*	PROPN
fsr-3578	161	207	*	*	PUNCT
fsr-3578	161	208	*	*	PUNCT
fsr-3578	161	209	0.19	0.19	NUM
fsr-3578	161	210	0.47	0.47	NUM
fsr-3578	161	211	-0.73	-0.73	PUNCT
fsr-3578	161	212	0.58	0.58	NUM
fsr-3578	161	213	0.48	0.48	NUM
fsr-3578	161	214	some	some	DET
fsr-3578	161	215	college	college	NOUN
fsr-3578	161	216	-0.09	-0.09	NUM
fsr-3578	161	217	0.08	0.08	NUM
fsr-3578	161	218	0.91	0.91	NUM
fsr-3578	161	219	-0.07	-0.07	NUM
fsr-3578	161	220	0.17	0.17	NUM
fsr-3578	161	221	0.93	0.93	NUM
fsr-3578	161	222	bachelor	bachelor	NOUN
fsr-3578	161	223	's	's	PART
fsr-3578	161	224	degree	degree	NOUN
fsr-3578	161	225	0.26	0.26	NOUN
fsr-3578	161	226	*	*	PUNCT
fsr-3578	161	227	*	*	PUNCT
fsr-3578	161	228	0.09	0.09	NUM
fsr-3578	161	229	1.30	1.30	NUM
fsr-3578	161	230	-0.17	-0.17	NUM
fsr-3578	161	231	0.18	0.18	NUM
fsr-3578	161	232	0.84	0.84	NUM
fsr-3578	161	233	advanced	advance	VERB
fsr-3578	161	234	0.16	0.16	NUM
fsr-3578	161	235	0.13	0.13	NUM
fsr-3578	161	236	1.17	1.17	NUM
fsr-3578	161	237	-0.50	-0.50	NUM
fsr-3578	161	238	*	*	PROPN
fsr-3578	161	239	0.21	0.21	NUM
fsr-3578	161	240	0.60	0.60	NUM
fsr-3578	161	241	parental	parental	ADJ
fsr-3578	161	242	education	education	NOUN
fsr-3578	161	243	(	(	PUNCT
fsr-3578	161	244	high	high	ADJ
fsr-3578	161	245	school	school	NOUN
fsr-3578	161	246	degree	degree	NOUN
fsr-3578	161	247	)	)	PUNCT
fsr-3578	161	248	no	no	DET
fsr-3578	161	249	high	high	ADJ
fsr-3578	161	250	school	school	NOUN
fsr-3578	161	251	degree	degree	NOUN
fsr-3578	161	252	-0.33	-0.33	NOUN
fsr-3578	161	253	*	*	PUNCT
fsr-3578	161	254	*	*	NOUN
fsr-3578	161	255	0.10	0.10	NUM
fsr-3578	161	256	0.72	0.72	NUM
fsr-3578	161	257	-0.29	-0.29	NOUN
fsr-3578	161	258	0.23	0.23	NUM
fsr-3578	161	259	0.74	0.74	NUM
fsr-3578	161	260	some	some	DET
fsr-3578	161	261	college	college	NOUN
fsr-3578	161	262	0.10	0.10	NUM
fsr-3578	161	263	0.10	0.10	NUM
fsr-3578	161	264	1.11	1.11	NUM
fsr-3578	161	265	0.26	0.26	NUM
fsr-3578	161	266	0.16	0.16	NUM
fsr-3578	161	267	1.30	1.30	NUM
fsr-3578	161	268	bachelor	bachelor	NOUN
fsr-3578	161	269	's	's	PART
fsr-3578	161	270	degree	degree	NOUN
fsr-3578	161	271	-0.04	-0.04	NUM
fsr-3578	161	272	0.08	0.08	NUM
fsr-3578	161	273	0.96	0.96	NUM
fsr-3578	161	274	0.07	0.07	NUM
fsr-3578	161	275	0.15	0.15	NUM
fsr-3578	161	276	1.07	1.07	NUM
fsr-3578	161	277	financial	financial	ADJ
fsr-3578	161	278	services	service	NOUN
fsr-3578	161	279	review	review	NOUN
fsr-3578	161	280	,	,	PUNCT
fsr-3578	161	281	33(1	33(1	NUM
fsr-3578	161	282	)	)	PUNCT
fsr-3578	161	283	190	190	NUM
fsr-3578	161	284	advanced	advanced	ADJ
fsr-3578	161	285	degree	degree	NOUN
fsr-3578	161	286	0.20	0.20	NUM
fsr-3578	161	287	0.19	0.19	NUM
fsr-3578	161	288	1.23	1.23	NUM
fsr-3578	161	289	risk	risk	NOUN
fsr-3578	161	290	tolerance	tolerance	NOUN
fsr-3578	161	291	0.01	0.01	NUM
fsr-3578	161	292	0.02	0.02	NUM
fsr-3578	161	293	1.01	1.01	NUM
fsr-3578	161	294	0.03	0.03	NUM
fsr-3578	161	295	0.02	0.02	NUM
fsr-3578	161	296	1.03	1.03	NUM
fsr-3578	161	297	income	income	NOUN
fsr-3578	161	298	0.55	0.55	NUM
fsr-3578	161	299	*	*	PUNCT
fsr-3578	161	300	*	*	PUNCT
fsr-3578	161	301	*	*	PUNCT
fsr-3578	161	302	0.06	0.06	NUM
fsr-3578	161	303	1.73	1.73	NUM
fsr-3578	161	304	$	$	SYM
fsr-3578	161	305	25,000-$49,999	25,000-$49,999	NUM
fsr-3578	161	306	0.60	0.60	NUM
fsr-3578	161	307	*	*	NOUN
fsr-3578	161	308	0.24	0.24	NUM
fsr-3578	161	309	1.82	1.82	NUM
fsr-3578	161	310	$	$	SYM
fsr-3578	161	311	50,000-$74,999	50,000-$74,999	NUM
fsr-3578	161	312	0.95	0.95	NUM
fsr-3578	161	313	*	*	PUNCT
fsr-3578	161	314	*	*	PUNCT
fsr-3578	161	315	*	*	PUNCT
fsr-3578	161	316	0.25	0.25	NUM
fsr-3578	161	317	2.58	2.58	NUM
fsr-3578	161	318	$	$	SYM
fsr-3578	161	319	75,000-$99,999	75,000-$99,999	NUM
fsr-3578	161	320	1.10	1.10	NUM
fsr-3578	161	321	*	*	PUNCT
fsr-3578	161	322	*	*	PUNCT
fsr-3578	161	323	*	*	PUNCT
fsr-3578	161	324	0.25	0.25	NUM
fsr-3578	161	325	3.01	3.01	NUM
fsr-3578	161	326	$	$	SYM
fsr-3578	161	327	100,000-$149,999	100,000-$149,999	NUM
fsr-3578	161	328	1.53	1.53	NUM
fsr-3578	161	329	*	*	PUNCT
fsr-3578	161	330	*	*	PUNCT
fsr-3578	161	331	*	*	PUNCT
fsr-3578	161	332	0.27	0.27	NUM
fsr-3578	161	333	4.60	4.60	NUM
fsr-3578	161	334	$	$	SYM
fsr-3578	161	335	150,000	150,000	NUM
fsr-3578	161	336	or	or	CCONJ
fsr-3578	161	337	more	more	ADJ
fsr-3578	161	338	2.18	2.18	NUM
fsr-3578	161	339	*	*	PUNCT
fsr-3578	161	340	*	*	PUNCT
fsr-3578	161	341	*	*	PUNCT
fsr-3578	161	342	0.32	0.32	NUM
fsr-3578	161	343	8.84	8.84	NUM
fsr-3578	161	344	objective	objective	ADJ
fsr-3578	161	345	financial	financial	ADJ
fsr-3578	161	346	knowledge	knowledge	NOUN
fsr-3578	161	347	0.11	0.11	NUM
fsr-3578	161	348	*	*	SYM
fsr-3578	161	349	0.04	0.04	NUM
fsr-3578	161	350	1.12	1.12	NUM
fsr-3578	161	351	0.00	0.00	NUM
fsr-3578	161	352	0.04	0.04	NUM
fsr-3578	161	353	1.00	1.00	NUM
fsr-3578	161	354	subjective	subjective	ADJ
fsr-3578	161	355	financial	financial	ADJ
fsr-3578	161	356	knowledge	knowledge	NOUN
fsr-3578	161	357	-0.01	-0.01	NUM
fsr-3578	161	358	0.01	0.01	NUM
fsr-3578	161	359	0.99	0.99	NUM
fsr-3578	161	360	0.07	0.07	NUM
fsr-3578	161	361	0.05	0.05	NUM
fsr-3578	161	362	1.08	1.08	NUM
fsr-3578	161	363	financial	financial	ADJ
fsr-3578	161	364	attitude	attitude	NOUN
fsr-3578	161	365	-0.06	-0.06	NUM
fsr-3578	161	366	0.03	0.03	NUM
fsr-3578	161	367	0.94	0.94	NUM
fsr-3578	161	368	health	health	NOUN
fsr-3578	161	369	(	(	PUNCT
fsr-3578	161	370	excellent	excellent	ADJ
fsr-3578	161	371	)	)	PUNCT
fsr-3578	161	372	fair	fair	ADJ
fsr-3578	161	373	-0.13	-0.13	NUM
fsr-3578	161	374	0.09	0.09	NUM
fsr-3578	161	375	0.88	0.88	NUM
fsr-3578	161	376	poor	poor	ADJ
fsr-3578	161	377	-0.60	-0.60	NUM
fsr-3578	161	378	0.31	0.31	NUM
fsr-3578	161	379	0.55	0.55	NUM
fsr-3578	161	380	model	model	NOUN
fsr-3578	161	381	fit	fit	ADJ
fsr-3578	161	382	statistics	statistic	NOUN
fsr-3578	161	383	log	log	NOUN
fsr-3578	161	384	likelihood	likelihood	NOUN
fsr-3578	161	385	-2,096	-2,096	ADP
fsr-3578	161	386	c	c	NOUN
fsr-3578	161	387	-	-	PUNCT
fsr-3578	161	388	statistic	statistic	ADJ
fsr-3578	161	389	0.69	0.69	NUM
fsr-3578	161	390	pseudo	pseudo	NOUN
fsr-3578	161	391	r2	r2	NOUN
fsr-3578	161	392	0.10	0.10	NUM
fsr-3578	161	393	pseudo	pseudo	NOUN
fsr-3578	161	394	r2	r2	PROPN
fsr-3578	161	395	0.06	0.06	NUM
fsr-3578	161	396	note	note	NOUN
fsr-3578	161	397	.	.	PUNCT
fsr-3578	162	1	analyses	analysis	NOUN
fsr-3578	162	2	were	be	AUX
fsr-3578	162	3	weighted	weight	VERB
fsr-3578	162	4	.	.	PUNCT
fsr-3578	163	1	scf	scf	PROPN
fsr-3578	163	2	income	income	NOUN
fsr-3578	163	3	was	be	AUX
fsr-3578	163	4	logged	log	VERB
fsr-3578	163	5	.	.	PUNCT
fsr-3578	164	1	data	datum	NOUN
fsr-3578	164	2	from	from	ADP
fsr-3578	164	3	the	the	DET
fsr-3578	164	4	2019	2019	NUM
fsr-3578	164	5	scf	scf	PROPN
fsr-3578	164	6	,	,	PUNCT
fsr-3578	164	7	and	and	CCONJ
fsr-3578	164	8	2018	2018	NUM
fsr-3578	164	9	nfcs	nfc	NOUN
fsr-3578	164	10	.	.	PUNCT
fsr-3578	165	1	restricted	restrict	VERB
fsr-3578	165	2	samples	sample	NOUN
fsr-3578	165	3	to	to	ADP
fsr-3578	165	4	only	only	ADV
fsr-3578	165	5	those	those	PRON
fsr-3578	165	6	working	work	VERB
fsr-3578	165	7	full	full	ADJ
fsr-3578	165	8	-	-	PUNCT
fsr-3578	165	9	time	time	NOUN
fsr-3578	165	10	.	.	PUNCT
fsr-3578	166	1	*	*	PUNCT
fsr-3578	167	1	p	p	X
fsr-3578	167	2	<	<	X
fsr-3578	167	3	.05	.05	NUM
fsr-3578	167	4	;	;	PUNCT
fsr-3578	167	5	*	*	PUNCT
fsr-3578	167	6	*	*	PUNCT
fsr-3578	167	7	p	p	X
fsr-3578	167	8	<	<	X
fsr-3578	167	9	.01	.01	NUM
fsr-3578	167	10	;	;	PUNCT
fsr-3578	167	11	*	*	PUNCT
fsr-3578	167	12	*	*	PUNCT
fsr-3578	167	13	*	*	PUNCT
fsr-3578	168	1	p	p	X
fsr-3578	168	2	<	<	X
fsr-3578	168	3	.001	.001	NUM
fsr-3578	168	4	.	.	PUNCT
fsr-3578	169	1	regression	regression	NOUN
fsr-3578	169	2	results	result	NOUN
fsr-3578	169	3	:	:	PUNCT
fsr-3578	169	4	retirement	retirement	NOUN
fsr-3578	169	5	account	account	NOUN
fsr-3578	169	6	balance	balance	NOUN
fsr-3578	169	7	the	the	DET
fsr-3578	169	8	shed	shed	ADJ
fsr-3578	169	9	results	result	NOUN
fsr-3578	169	10	(	(	PUNCT
fsr-3578	169	11	table	table	NOUN
fsr-3578	169	12	4	4	NUM
fsr-3578	169	13	)	)	PUNCT
fsr-3578	169	14	reveal	reveal	VERB
fsr-3578	169	15	that	that	SCONJ
fsr-3578	169	16	rccd	rccd	NOUN
fsr-3578	169	17	(	(	PUNCT
fsr-3578	169	18	b	b	NOUN
fsr-3578	169	19	=	=	SYM
fsr-3578	169	20	-0.29	-0.29	NOUN
fsr-3578	169	21	,	,	PUNCT
fsr-3578	169	22	p	p	X
fsr-3578	169	23	<	<	X
fsr-3578	169	24	0.001	0.001	NUM
fsr-3578	169	25	)	)	PUNCT
fsr-3578	169	26	and	and	CCONJ
fsr-3578	169	27	aef	aef	PROPN
fsr-3578	169	28	(	(	PUNCT
fsr-3578	169	29	b	b	PROPN
fsr-3578	169	30	=	=	PUNCT
fsr-3578	169	31	-0.92	-0.92	PROPN
fsr-3578	169	32	,	,	PUNCT
fsr-3578	169	33	p	p	X
fsr-3578	169	34	<	<	X
fsr-3578	169	35	0.001	0.001	NUM
fsr-3578	169	36	)	)	PUNCT
fsr-3578	169	37	had	have	VERB
fsr-3578	169	38	a	a	DET
fsr-3578	169	39	significant	significant	ADJ
fsr-3578	169	40	negative	negative	ADJ
fsr-3578	169	41	relationship	relationship	NOUN
fsr-3578	169	42	with	with	ADP
fsr-3578	169	43	retirement	retirement	NOUN
fsr-3578	169	44	account	account	NOUN
fsr-3578	169	45	balance	balance	NOUN
fsr-3578	169	46	.	.	PUNCT
fsr-3578	170	1	smti	smti	PROPN
fsr-3578	170	2	and	and	CCONJ
fsr-3578	170	3	afs	afs	PROPN
fsr-3578	170	4	usage	usage	NOUN
fsr-3578	170	5	did	do	AUX
fsr-3578	170	6	not	not	PART
fsr-3578	170	7	have	have	VERB
fsr-3578	170	8	a	a	DET
fsr-3578	170	9	significant	significant	ADJ
fsr-3578	170	10	relationship	relationship	NOUN
fsr-3578	170	11	with	with	ADP
fsr-3578	170	12	retirement	retirement	NOUN
fsr-3578	170	13	account	account	NOUN
fsr-3578	170	14	balance	balance	NOUN
fsr-3578	170	15	.	.	PUNCT
fsr-3578	171	1	the	the	DET
fsr-3578	171	2	scf	scf	PROPN
fsr-3578	171	3	results	result	NOUN
fsr-3578	171	4	indicate	indicate	VERB
fsr-3578	171	5	that	that	SCONJ
fsr-3578	171	6	rccd	rccd	NOUN
fsr-3578	171	7	(	(	PUNCT
fsr-3578	171	8	β	β	X
fsr-3578	171	9	=	=	SYM
fsr-3578	171	10	-0.05	-0.05	NOUN
fsr-3578	171	11	,	,	PUNCT
fsr-3578	171	12	p	p	X
fsr-3578	171	13	<	<	X
fsr-3578	171	14	0.001	0.001	NUM
fsr-3578	171	15	)	)	PUNCT
fsr-3578	171	16	and	and	CCONJ
fsr-3578	171	17	aef	aef	PROPN
fsr-3578	171	18	(	(	PUNCT
fsr-3578	171	19	β	β	X
fsr-3578	171	20	=	=	SYM
fsr-3578	171	21	-0.08	-0.08	PRON
fsr-3578	171	22	,	,	PUNCT
fsr-3578	171	23	p	p	X
fsr-3578	171	24	<	<	X
fsr-3578	171	25	0.001	0.001	NUM
fsr-3578	171	26	)	)	PUNCT
fsr-3578	171	27	had	have	VERB
fsr-3578	171	28	significant	significant	ADJ
fsr-3578	171	29	negative	negative	ADJ
fsr-3578	171	30	relationships	relationship	NOUN
fsr-3578	171	31	with	with	ADP
fsr-3578	171	32	retirement	retirement	NOUN
fsr-3578	171	33	account	account	NOUN
fsr-3578	171	34	balance	balance	NOUN
fsr-3578	171	35	.	.	PUNCT
fsr-3578	172	1	lynn	lynn	PROPN
fsr-3578	172	2	et	et	PROPN
fsr-3578	172	3	al	al	PROPN
fsr-3578	172	4	.	.	PROPN
fsr-3578	172	5	191	191	NUM
fsr-3578	172	6	table	table	NOUN
fsr-3578	172	7	4	4	NUM
fsr-3578	172	8	.	.	PUNCT
fsr-3578	172	9	ordinal	ordinal	ADJ
fsr-3578	172	10	(	(	PUNCT
fsr-3578	172	11	shed	shed	NOUN
fsr-3578	172	12	)	)	PUNCT
fsr-3578	172	13	and	and	CCONJ
fsr-3578	172	14	ols	ol	NOUN
fsr-3578	172	15	(	(	PUNCT
fsr-3578	172	16	scf	scf	PROPN
fsr-3578	172	17	)	)	PUNCT
fsr-3578	172	18	regressions	regression	NOUN
fsr-3578	172	19	of	of	ADP
fsr-3578	172	20	retirement	retirement	NOUN
fsr-3578	172	21	account	account	NOUN
fsr-3578	172	22	asset	asset	NOUN
fsr-3578	172	23	balance	balance	NOUN
fsr-3578	172	24	shed	shed	VERB
fsr-3578	172	25	,	,	PUNCT
fsr-3578	172	26	n	n	NOUN
fsr-3578	172	27	=	=	SYM
fsr-3578	172	28	4,207	4,207	NUM
fsr-3578	172	29	scf	scf	PROPN
fsr-3578	172	30	,	,	PUNCT
fsr-3578	172	31	n	n	NOUN
fsr-3578	172	32	=	=	SYM
fsr-3578	172	33	3,361	3,361	NUM
fsr-3578	172	34	variable	variable	NOUN
fsr-3578	172	35	b	b	PROPN
fsr-3578	172	36	se	se	PROPN
fsr-3578	172	37	b	b	PROPN
fsr-3578	172	38	se	se	PROPN
fsr-3578	172	39	b	b	PROPN
fsr-3578	172	40	β	β	X
fsr-3578	172	41	intercept	intercept	NOUN
fsr-3578	172	42	-13.35	-13.35	PROPN
fsr-3578	172	43	*	*	PUNCT
fsr-3578	172	44	*	*	PUNCT
fsr-3578	172	45	*	*	NOUN
fsr-3578	172	46	1.33	1.33	NUM
fsr-3578	172	47	spends	spend	VERB
fsr-3578	172	48	more	more	ADJ
fsr-3578	172	49	than	than	ADP
fsr-3578	172	50	income	income	VERB
fsr-3578	172	51	-0.18	-0.18	NUM
fsr-3578	172	52	0.12	0.12	NUM
fsr-3578	172	53	-0.09	-0.09	NUM
fsr-3578	172	54	0.39	0.39	NUM
fsr-3578	172	55	0.00	0.00	NUM
fsr-3578	172	56	revolves	revolve	NOUN
fsr-3578	172	57	credit	credit	NOUN
fsr-3578	172	58	card	card	NOUN
fsr-3578	172	59	debt	debt	NOUN
fsr-3578	172	60	-0.29	-0.29	NOUN
fsr-3578	172	61	*	*	PUNCT
fsr-3578	172	62	*	*	PUNCT
fsr-3578	172	63	*	*	NOUN
fsr-3578	172	64	0.05	0.05	NUM
fsr-3578	172	65	-0.64	-0.64	NOUN
fsr-3578	172	66	*	*	PUNCT
fsr-3578	172	67	*	*	PUNCT
fsr-3578	172	68	*	*	NOUN
fsr-3578	172	69	0.12	0.12	NUM
fsr-3578	172	70	-0.05	-0.05	NUM
fsr-3578	172	71	uses	use	VERB
fsr-3578	172	72	afs	afs	PROPN
fsr-3578	172	73	-0.27	-0.27	PROPN
fsr-3578	172	74	0.28	0.28	NUM
fsr-3578	172	75	-0.24	-0.24	NUM
fsr-3578	172	76	0.39	0.39	NUM
fsr-3578	172	77	-0.01	-0.01	NUM
fsr-3578	172	78	absence	absence	NOUN
fsr-3578	172	79	of	of	ADP
fsr-3578	172	80	emergency	emergency	NOUN
fsr-3578	172	81	fund	fund	NOUN
fsr-3578	172	82	-0.92	-0.92	NOUN
fsr-3578	172	83	*	*	X
fsr-3578	172	84	*	*	PUNCT
fsr-3578	172	85	*	*	X
fsr-3578	172	86	0.09	0.09	NUM
fsr-3578	172	87	-0.98	-0.98	NOUN
fsr-3578	172	88	*	*	PUNCT
fsr-3578	172	89	*	*	PUNCT
fsr-3578	172	90	*	*	PUNCT
fsr-3578	172	91	0.15	0.15	NUM
fsr-3578	172	92	-0.08	-0.08	PRON
fsr-3578	172	93	control	control	NOUN
fsr-3578	172	94	variables	variable	NOUN
fsr-3578	172	95	age	age	NOUN
fsr-3578	172	96	(	(	PUNCT
fsr-3578	172	97	under	under	ADP
fsr-3578	172	98	35	35	NUM
fsr-3578	172	99	)	)	PUNCT
fsr-3578	172	100	0.05	0.05	NUM
fsr-3578	172	101	*	*	PUNCT
fsr-3578	172	102	*	*	PUNCT
fsr-3578	172	103	*	*	PUNCT
fsr-3578	172	104	0.01	0.01	NUM
fsr-3578	172	105	0.12	0.12	NUM
fsr-3578	172	106	35	35	NUM
fsr-3578	172	107	-	-	SYM
fsr-3578	172	108	44	44	NUM
fsr-3578	172	109	1.74	1.74	NUM
fsr-3578	172	110	*	*	PUNCT
fsr-3578	172	111	*	*	PUNCT
fsr-3578	172	112	*	*	NOUN
fsr-3578	172	113	0.13	0.13	NUM
fsr-3578	172	114	45	45	NUM
fsr-3578	172	115	-	-	SYM
fsr-3578	172	116	54	54	NUM
fsr-3578	172	117	2.63	2.63	NUM
fsr-3578	172	118	*	*	PUNCT
fsr-3578	172	119	*	*	PUNCT
fsr-3578	172	120	*	*	PUNCT
fsr-3578	172	121	0.14	0.14	NUM
fsr-3578	172	122	55	55	NUM
fsr-3578	172	123	-	-	SYM
fsr-3578	172	124	64	64	NUM
fsr-3578	172	125	3.21	3.21	NUM
fsr-3578	172	126	*	*	PUNCT
fsr-3578	172	127	*	*	PUNCT
fsr-3578	172	128	*	*	PUNCT
fsr-3578	172	129	0.15	0.15	NUM
fsr-3578	172	130	65	65	NUM
fsr-3578	172	131	or	or	CCONJ
fsr-3578	172	132	older	old	ADJ
fsr-3578	172	133	3.39	3.39	NUM
fsr-3578	172	134	*	*	PUNCT
fsr-3578	172	135	*	*	PUNCT
fsr-3578	172	136	*	*	X
fsr-3578	172	137	0.18	0.18	NUM
fsr-3578	172	138	marital	marital	ADJ
fsr-3578	172	139	status	status	NOUN
fsr-3578	172	140	(	(	PUNCT
fsr-3578	172	141	married	married	ADJ
fsr-3578	172	142	)	)	PUNCT
fsr-3578	172	143	living	live	VERB
fsr-3578	172	144	with	with	ADP
fsr-3578	172	145	partner	partner	NOUN
fsr-3578	172	146	or	or	CCONJ
fsr-3578	172	147	never	never	ADV
fsr-3578	172	148	married	marry	VERB
fsr-3578	172	149	-0.21	-0.21	NOUN
fsr-3578	172	150	*	*	PUNCT
fsr-3578	172	151	0.11	0.11	NUM
fsr-3578	172	152	0.27	0.27	NUM
fsr-3578	172	153	0.17	0.17	NUM
fsr-3578	172	154	0.01	0.01	NUM
fsr-3578	172	155	separated	separate	VERB
fsr-3578	172	156	or	or	CCONJ
fsr-3578	172	157	divorced	divorce	VERB
fsr-3578	172	158	-0.30	-0.30	NOUN
fsr-3578	172	159	*	*	PUNCT
fsr-3578	172	160	0.13	0.13	NUM
fsr-3578	172	161	0.28	0.28	NUM
fsr-3578	172	162	0.21	0.21	NUM
fsr-3578	172	163	0.02	0.02	NUM
fsr-3578	172	164	widowed	widow	VERB
fsr-3578	172	165	-0.43	-0.43	NUM
fsr-3578	172	166	0.26	0.26	NUM
fsr-3578	172	167	race	race	NOUN
fsr-3578	172	168	of	of	ADP
fsr-3578	172	169	respondent	respondent	NOUN
fsr-3578	172	170	(	(	PUNCT
fsr-3578	172	171	white	white	ADJ
fsr-3578	172	172	)	)	PUNCT
fsr-3578	172	173	black	black	NOUN
fsr-3578	172	174	-0.83	-0.83	NOUN
fsr-3578	172	175	*	*	PUNCT
fsr-3578	172	176	*	*	PUNCT
fsr-3578	172	177	*	*	PUNCT
fsr-3578	172	178	0.15	0.15	NUM
fsr-3578	172	179	-0.54	-0.54	NOUN
fsr-3578	172	180	*	*	NOUN
fsr-3578	172	181	0.22	0.22	NUM
fsr-3578	172	182	-0.03	-0.03	NUM
fsr-3578	172	183	hispanic	hispanic	ADJ
fsr-3578	172	184	-0.42	-0.42	ADJ
fsr-3578	172	185	*	*	NOUN
fsr-3578	172	186	*	*	NOUN
fsr-3578	172	187	0.14	0.14	NUM
fsr-3578	172	188	-0.90	-0.90	NUM
fsr-3578	172	189	*	*	NOUN
fsr-3578	172	190	*	*	NOUN
fsr-3578	172	191	0.28	0.28	NUM
fsr-3578	172	192	-0.05	-0.05	NUM
fsr-3578	172	193	asian	asian	ADJ
fsr-3578	172	194	or	or	CCONJ
fsr-3578	172	195	other	other	ADJ
fsr-3578	172	196	0.07	0.07	NUM
fsr-3578	172	197	0.16	0.16	NUM
fsr-3578	172	198	0.43	0.43	NUM
fsr-3578	172	199	0.31	0.31	NUM
fsr-3578	172	200	0.02	0.02	NUM
fsr-3578	172	201	gender	gender	NOUN
fsr-3578	172	202	of	of	ADP
fsr-3578	172	203	respondent	respondent	NOUN
fsr-3578	172	204	(	(	PUNCT
fsr-3578	172	205	male	male	NOUN
fsr-3578	172	206	)	)	PUNCT
fsr-3578	172	207	-0.20	-0.20	NOUN
fsr-3578	172	208	*	*	NOUN
fsr-3578	172	209	0.08	0.08	NUM
fsr-3578	172	210	0.08	0.08	NUM
fsr-3578	172	211	0.15	0.15	NUM
fsr-3578	172	212	0.01	0.01	NUM
fsr-3578	172	213	education	education	NOUN
fsr-3578	172	214	(	(	PUNCT
fsr-3578	172	215	high	high	ADJ
fsr-3578	172	216	school	school	NOUN
fsr-3578	172	217	degree	degree	NOUN
fsr-3578	172	218	)	)	PUNCT
fsr-3578	172	219	no	no	DET
fsr-3578	172	220	high	high	ADJ
fsr-3578	172	221	school	school	NOUN
fsr-3578	172	222	degree	degree	NOUN
fsr-3578	172	223	-0.07	-0.07	NUM
fsr-3578	172	224	0.46	0.46	NUM
fsr-3578	172	225	-0.80	-0.80	NOUN
fsr-3578	172	226	*	*	PROPN
fsr-3578	172	227	*	*	PROPN
fsr-3578	172	228	0.31	0.31	NUM
fsr-3578	172	229	-0.03	-0.03	NUM
fsr-3578	172	230	some	some	DET
fsr-3578	172	231	college	college	NOUN
fsr-3578	172	232	0.01	0.01	NUM
fsr-3578	172	233	0.13	0.13	NUM
fsr-3578	172	234	-0.01	-0.01	NUM
fsr-3578	172	235	0.20	0.20	NUM
fsr-3578	172	236	0.00	0.00	NUM
fsr-3578	172	237	bachelor	bachelor	NOUN
fsr-3578	172	238	's	's	PART
fsr-3578	172	239	degree	degree	NOUN
fsr-3578	172	240	0.42	0.42	NUM
fsr-3578	172	241	0.14	0.14	NUM
fsr-3578	172	242	1.20	1.20	NUM
fsr-3578	172	243	*	*	PUNCT
fsr-3578	172	244	*	*	PUNCT
fsr-3578	172	245	*	*	PUNCT
fsr-3578	172	246	0.21	0.21	NUM
fsr-3578	172	247	0.09	0.09	NUM
fsr-3578	172	248	advanced	advance	VERB
fsr-3578	172	249	1.47	1.47	NUM
fsr-3578	172	250	*	*	PUNCT
fsr-3578	172	251	*	*	PUNCT
fsr-3578	172	252	*	*	PUNCT
fsr-3578	172	253	0.22	0.22	NUM
fsr-3578	172	254	0.11	0.11	NUM
fsr-3578	172	255	parental	parental	ADJ
fsr-3578	172	256	education	education	NOUN
fsr-3578	172	257	(	(	PUNCT
fsr-3578	172	258	high	high	ADJ
fsr-3578	172	259	school	school	NOUN
fsr-3578	172	260	degree	degree	NOUN
fsr-3578	172	261	)	)	PUNCT
fsr-3578	172	262	no	no	DET
fsr-3578	172	263	high	high	ADJ
fsr-3578	172	264	school	school	NOUN
fsr-3578	172	265	degree	degree	NOUN
fsr-3578	172	266	-0.33	-0.33	NOUN
fsr-3578	172	267	0.17	0.17	NUM
fsr-3578	172	268	-0.82	-0.82	NUM
fsr-3578	172	269	*	*	PUNCT
fsr-3578	172	270	*	*	PUNCT
fsr-3578	172	271	*	*	PUNCT
fsr-3578	172	272	0.23	0.23	NUM
fsr-3578	172	273	-0.05	-0.05	NUM
fsr-3578	172	274	some	some	DET
fsr-3578	172	275	college	college	NOUN
fsr-3578	172	276	-0.04	-0.04	NUM
fsr-3578	172	277	0.12	0.12	NUM
fsr-3578	172	278	-0.13	-0.13	NUM
fsr-3578	172	279	0.21	0.21	NUM
fsr-3578	172	280	-0.01	-0.01	NUM
fsr-3578	172	281	bachelor	bachelor	NOUN
fsr-3578	172	282	's	's	PART
fsr-3578	172	283	degree	degree	NOUN
fsr-3578	172	284	or	or	CCONJ
fsr-3578	172	285	beyond	beyond	ADP
fsr-3578	172	286	-0.02	-0.02	NUM
fsr-3578	172	287	0.12	0.12	NUM
fsr-3578	172	288	0.08	0.08	NUM
fsr-3578	172	289	0.18	0.18	NUM
fsr-3578	172	290	0.01	0.01	NUM
fsr-3578	172	291	advanced	advanced	ADJ
fsr-3578	172	292	degree	degree	NOUN
fsr-3578	172	293	-0.04	-0.04	NUM
fsr-3578	172	294	0.12	0.12	NUM
fsr-3578	172	295	risk	risk	NOUN
fsr-3578	172	296	tolerance	tolerance	NOUN
fsr-3578	172	297	0.14	0.14	NUM
fsr-3578	172	298	*	*	PUNCT
fsr-3578	172	299	*	*	PUNCT
fsr-3578	172	300	*	*	PUNCT
fsr-3578	172	301	0.02	0.02	NUM
fsr-3578	172	302	0.13	0.13	NUM
fsr-3578	172	303	*	*	PUNCT
fsr-3578	172	304	*	*	PUNCT
fsr-3578	172	305	*	*	PUNCT
fsr-3578	172	306	0.03	0.03	NUM
fsr-3578	172	307	0.06	0.06	NUM
fsr-3578	172	308	income	income	NOUN
fsr-3578	172	309	(	(	PUNCT
fsr-3578	172	310	under	under	ADP
fsr-3578	172	311	$	$	SYM
fsr-3578	172	312	25,000	25,000	NUM
fsr-3578	172	313	)	)	PUNCT
fsr-3578	172	314	1.35	1.35	NUM
fsr-3578	172	315	*	*	PUNCT
fsr-3578	172	316	*	*	PUNCT
fsr-3578	172	317	*	*	PUNCT
fsr-3578	172	318	0.12	0.12	NUM
fsr-3578	172	319	0.43	0.43	NUM
fsr-3578	172	320	$	$	SYM
fsr-3578	172	321	25,000-$49,999	25,000-$49,999	NUM
fsr-3578	172	322	0.53	0.53	NUM
fsr-3578	172	323	0.34	0.34	NUM
fsr-3578	172	324	$	$	SYM
fsr-3578	172	325	50,000-$74,999	50,000-$74,999	NUM
fsr-3578	172	326	1.27	1.27	NUM
fsr-3578	172	327	*	*	SYM
fsr-3578	172	328	*	*	PUNCT
fsr-3578	172	329	*	*	NOUN
fsr-3578	172	330	0.33	0.33	NUM
fsr-3578	172	331	$	$	SYM
fsr-3578	172	332	75,000-$99,999	75,000-$99,999	NUM
fsr-3578	172	333	1.70	1.70	NUM
fsr-3578	172	334	*	*	PUNCT
fsr-3578	172	335	*	*	PUNCT
fsr-3578	172	336	*	*	PUNCT
fsr-3578	172	337	0.34	0.34	NUM
fsr-3578	172	338	financial	financial	ADJ
fsr-3578	172	339	services	service	NOUN
fsr-3578	172	340	review	review	NOUN
fsr-3578	172	341	,	,	PUNCT
fsr-3578	172	342	33(1	33(1	NUM
fsr-3578	172	343	)	)	PUNCT
fsr-3578	172	344	192	192	NUM
fsr-3578	172	345	$	$	SYM
fsr-3578	172	346	100,000-$149,999	100,000-$149,999	NUM
fsr-3578	172	347	2.19	2.19	NUM
fsr-3578	172	348	*	*	PUNCT
fsr-3578	172	349	*	*	PUNCT
fsr-3578	172	350	*	*	NOUN
fsr-3578	172	351	0.34	0.34	NUM
fsr-3578	172	352	$	$	SYM
fsr-3578	172	353	150,000	150,000	NUM
fsr-3578	172	354	or	or	CCONJ
fsr-3578	172	355	more	more	ADJ
fsr-3578	172	356	2.87	2.87	NUM
fsr-3578	172	357	*	*	PUNCT
fsr-3578	172	358	*	*	PUNCT
fsr-3578	172	359	*	*	PUNCT
fsr-3578	172	360	0.35	0.35	NUM
fsr-3578	172	361	objective	objective	ADJ
fsr-3578	172	362	financial	financial	ADJ
fsr-3578	172	363	knowledge	knowledge	NOUN
fsr-3578	172	364	0.19	0.19	NUM
fsr-3578	172	365	*	*	PUNCT
fsr-3578	172	366	*	*	PUNCT
fsr-3578	172	367	*	*	PUNCT
fsr-3578	172	368	0.05	0.05	NUM
fsr-3578	172	369	0.51	0.51	NUM
fsr-3578	172	370	*	*	PUNCT
fsr-3578	172	371	*	*	PUNCT
fsr-3578	172	372	*	*	PUNCT
fsr-3578	172	373	0.09	0.09	NUM
fsr-3578	172	374	0.07	0.07	NUM
fsr-3578	172	375	subjective	subjective	ADJ
fsr-3578	172	376	financial	financial	ADJ
fsr-3578	172	377	knowledge	knowledge	NOUN
fsr-3578	172	378	0.05	0.05	NUM
fsr-3578	172	379	0.03	0.03	NUM
fsr-3578	172	380	0.02	0.02	NUM
fsr-3578	172	381	health	health	NOUN
fsr-3578	172	382	(	(	PUNCT
fsr-3578	172	383	excellent	excellent	ADJ
fsr-3578	172	384	)	)	PUNCT
fsr-3578	172	385	fair	fair	NOUN
fsr-3578	173	1	-0.16	-0.16	NUM
fsr-3578	173	2	0.08	0.08	NUM
fsr-3578	173	3	-0.34	-0.34	NUM
fsr-3578	173	4	0.18	0.18	NUM
fsr-3578	173	5	-0.03	-0.03	NUM
fsr-3578	173	6	poor	poor	ADJ
fsr-3578	173	7	-0.22	-0.22	NUM
fsr-3578	173	8	0.48	0.48	NUM
fsr-3578	173	9	-1.46	-1.46	NUM
fsr-3578	173	10	*	*	NOUN
fsr-3578	173	11	0.64	0.64	NUM
fsr-3578	173	12	-0.03	-0.03	NUM
fsr-3578	173	13	model	model	NOUN
fsr-3578	173	14	fit	fit	ADJ
fsr-3578	173	15	statistics	statistic	NOUN
fsr-3578	173	16	pseudo	pseudo	NOUN
fsr-3578	173	17	r2	r2	PROPN
fsr-3578	173	18	0.34	0.34	NUM
fsr-3578	173	19	r2	r2	PROPN
fsr-3578	173	20	0.30	0.30	NUM
fsr-3578	173	21	adjusted	adjust	VERB
fsr-3578	173	22	r2	r2	PROPN
fsr-3578	173	23	0.29	0.29	NUM
fsr-3578	173	24	note	note	NOUN
fsr-3578	173	25	.	.	PUNCT
fsr-3578	174	1	analyses	analysis	NOUN
fsr-3578	174	2	were	be	AUX
fsr-3578	174	3	weighted	weight	VERB
fsr-3578	174	4	.	.	PUNCT
fsr-3578	175	1	scf	scf	PROPN
fsr-3578	175	2	income	income	NOUN
fsr-3578	175	3	was	be	AUX
fsr-3578	175	4	logged	log	VERB
fsr-3578	175	5	.	.	PUNCT
fsr-3578	176	1	data	datum	NOUN
fsr-3578	176	2	from	from	ADP
fsr-3578	176	3	the	the	DET
fsr-3578	176	4	2019	2019	NUM
fsr-3578	176	5	shed	shed	NOUN
fsr-3578	176	6	,	,	PUNCT
fsr-3578	176	7	2019	2019	NUM
fsr-3578	176	8	scf	scf	PROPN
fsr-3578	176	9	,	,	PUNCT
fsr-3578	176	10	and	and	CCONJ
fsr-3578	176	11	2018	2018	NUM
fsr-3578	176	12	nfcs	nfc	NOUN
fsr-3578	176	13	.	.	PUNCT
fsr-3578	177	1	restricted	restrict	VERB
fsr-3578	177	2	samples	sample	NOUN
fsr-3578	177	3	to	to	ADP
fsr-3578	177	4	only	only	ADV
fsr-3578	177	5	those	those	PRON
fsr-3578	177	6	working	work	VERB
fsr-3578	177	7	full	full	ADJ
fsr-3578	177	8	-	-	PUNCT
fsr-3578	177	9	time	time	NOUN
fsr-3578	177	10	.	.	PUNCT
fsr-3578	178	1	*	*	PUNCT
fsr-3578	179	1	p	p	X
fsr-3578	179	2	<	<	X
fsr-3578	179	3	.05	.05	NUM
fsr-3578	179	4	;	;	PUNCT
fsr-3578	179	5	*	*	PUNCT
fsr-3578	179	6	*	*	PUNCT
fsr-3578	179	7	p	p	X
fsr-3578	179	8	<	<	X
fsr-3578	179	9	.01	.01	NUM
fsr-3578	179	10	;	;	PUNCT
fsr-3578	179	11	*	*	PUNCT
fsr-3578	179	12	*	*	PUNCT
fsr-3578	179	13	*	*	PUNCT
fsr-3578	179	14	p	p	X
fsr-3578	179	15	<	<	X
fsr-3578	179	16	.001	.001	NUM
fsr-3578	179	17	regression	regression	NOUN
fsr-3578	179	18	results	result	NOUN
fsr-3578	179	19	:	:	PUNCT
fsr-3578	179	20	perceived	perceive	VERB
fsr-3578	179	21	retirement	retirement	NOUN
fsr-3578	179	22	preparation	preparation	NOUN
fsr-3578	179	23	the	the	DET
fsr-3578	179	24	shed	shed	ADJ
fsr-3578	179	25	results	result	NOUN
fsr-3578	179	26	(	(	PUNCT
fsr-3578	179	27	table	table	NOUN
fsr-3578	179	28	5	5	NUM
fsr-3578	179	29	)	)	PUNCT
fsr-3578	179	30	show	show	VERB
fsr-3578	179	31	that	that	SCONJ
fsr-3578	179	32	those	those	PRON
fsr-3578	179	33	who	who	PRON
fsr-3578	179	34	smti	smti	PROPN
fsr-3578	179	35	had	have	VERB
fsr-3578	179	36	43	43	NUM
fsr-3578	179	37	%	%	NOUN
fsr-3578	179	38	lower	low	ADJ
fsr-3578	179	39	odds	odd	NOUN
fsr-3578	179	40	of	of	ADP
fsr-3578	179	41	feeling	feel	VERB
fsr-3578	179	42	on	on	ADP
fsr-3578	179	43	track	track	NOUN
fsr-3578	179	44	for	for	ADP
fsr-3578	179	45	retirement	retirement	NOUN
fsr-3578	179	46	(	(	PUNCT
fsr-3578	179	47	or	or	CCONJ
fsr-3578	179	48	=	=	SYM
fsr-3578	179	49	0.57	0.57	NUM
fsr-3578	179	50	,	,	PUNCT
fsr-3578	179	51	p	p	X
fsr-3578	179	52	<	<	X
fsr-3578	179	53	0.001	0.001	NUM
fsr-3578	179	54	)	)	PUNCT
fsr-3578	179	55	;	;	PUNCT
fsr-3578	179	56	those	those	PRON
fsr-3578	179	57	who	who	PRON
fsr-3578	179	58	rccd	rccd	VERB
fsr-3578	179	59	had	have	VERB
fsr-3578	179	60	23	23	NUM
fsr-3578	179	61	%	%	NOUN
fsr-3578	179	62	lower	low	ADJ
fsr-3578	179	63	odds	odd	NOUN
fsr-3578	179	64	of	of	ADP
fsr-3578	179	65	feeling	feel	VERB
fsr-3578	179	66	on	on	ADP
fsr-3578	179	67	track	track	NOUN
fsr-3578	179	68	for	for	ADP
fsr-3578	179	69	retirement	retirement	NOUN
fsr-3578	179	70	(	(	PUNCT
fsr-3578	179	71	or	or	CCONJ
fsr-3578	179	72	=	=	SYM
fsr-3578	179	73	0.77	0.77	NUM
fsr-3578	179	74	,	,	PUNCT
fsr-3578	179	75	p	p	X
fsr-3578	179	76	<	<	X
fsr-3578	179	77	0.001	0.001	NUM
fsr-3578	179	78	)	)	PUNCT
fsr-3578	179	79	;	;	PUNCT
fsr-3578	179	80	and	and	CCONJ
fsr-3578	179	81	aef	aef	PROPN
fsr-3578	179	82	had	have	VERB
fsr-3578	179	83	65	65	NUM
fsr-3578	179	84	%	%	NOUN
fsr-3578	179	85	lower	low	ADJ
fsr-3578	179	86	odds	odd	NOUN
fsr-3578	179	87	of	of	ADP
fsr-3578	179	88	feeling	feel	VERB
fsr-3578	179	89	on	on	ADP
fsr-3578	179	90	track	track	NOUN
fsr-3578	179	91	for	for	ADP
fsr-3578	179	92	retirement	retirement	NOUN
fsr-3578	179	93	(	(	PUNCT
fsr-3578	179	94	or	or	CCONJ
fsr-3578	179	95	=	=	SYM
fsr-3578	179	96	0.35	0.35	NUM
fsr-3578	179	97	,	,	PUNCT
fsr-3578	179	98	p	p	X
fsr-3578	179	99	<	<	X
fsr-3578	179	100	0.001	0.001	NUM
fsr-3578	179	101	)	)	PUNCT
fsr-3578	179	102	.	.	PUNCT
fsr-3578	180	1	the	the	DET
fsr-3578	180	2	scf	scf	PROPN
fsr-3578	180	3	results	result	NOUN
fsr-3578	180	4	indicate	indicate	VERB
fsr-3578	180	5	that	that	DET
fsr-3578	180	6	smti	smti	PROPN
fsr-3578	180	7	(	(	PUNCT
fsr-3578	180	8	β	β	X
fsr-3578	180	9	=	=	SYM
fsr-3578	180	10	-0.06	-0.06	PROPN
fsr-3578	180	11	,	,	PUNCT
fsr-3578	180	12	p	p	X
fsr-3578	180	13	<	<	X
fsr-3578	180	14	0.001	0.001	NUM
fsr-3578	180	15	)	)	PUNCT
fsr-3578	180	16	,	,	PUNCT
fsr-3578	180	17	rccd	rccd	NOUN
fsr-3578	180	18	(	(	PUNCT
fsr-3578	180	19	β	β	X
fsr-3578	180	20	=	=	SYM
fsr-3578	180	21	-0.05	-0.05	NOUN
fsr-3578	180	22	,	,	PUNCT
fsr-3578	180	23	p	p	X
fsr-3578	180	24	<	<	X
fsr-3578	180	25	0.001	0.001	NUM
fsr-3578	180	26	)	)	PUNCT
fsr-3578	180	27	,	,	PUNCT
fsr-3578	180	28	afs	afs	NOUN
fsr-3578	180	29	usage	usage	NOUN
fsr-3578	180	30	(	(	PUNCT
fsr-3578	180	31	β	β	X
fsr-3578	180	32	=	=	NOUN
fsr-3578	180	33	0.04	0.04	NUM
fsr-3578	180	34	,	,	PUNCT
fsr-3578	180	35	p	p	X
fsr-3578	180	36	<	<	X
fsr-3578	180	37	0.001	0.001	NUM
fsr-3578	180	38	)	)	PUNCT
fsr-3578	180	39	,	,	PUNCT
fsr-3578	180	40	and	and	CCONJ
fsr-3578	180	41	aef	aef	PROPN
fsr-3578	180	42	(	(	PUNCT
fsr-3578	180	43	β	β	X
fsr-3578	180	44	=	=	SYM
fsr-3578	180	45	-0.06	-0.06	PROPN
fsr-3578	180	46	,	,	PUNCT
fsr-3578	180	47	p	p	X
fsr-3578	180	48	<	<	X
fsr-3578	180	49	0.001	0.001	NUM
fsr-3578	180	50	)	)	PUNCT
fsr-3578	180	51	had	have	VERB
fsr-3578	180	52	a	a	DET
fsr-3578	180	53	significant	significant	ADJ
fsr-3578	180	54	negative	negative	ADJ
fsr-3578	180	55	relationship	relationship	NOUN
fsr-3578	180	56	with	with	ADP
fsr-3578	180	57	perceived	perceive	VERB
fsr-3578	180	58	retirement	retirement	NOUN
fsr-3578	180	59	preparation	preparation	NOUN
fsr-3578	180	60	.	.	PUNCT
fsr-3578	181	1	the	the	DET
fsr-3578	181	2	nfcs	nfcs	PROPN
fsr-3578	181	3	results	result	NOUN
fsr-3578	181	4	indicate	indicate	VERB
fsr-3578	181	5	that	that	SCONJ
fsr-3578	181	6	only	only	ADV
fsr-3578	181	7	those	those	PRON
fsr-3578	181	8	who	who	PRON
fsr-3578	181	9	utilized	utilize	VERB
fsr-3578	181	10	afs	afs	NOUN
fsr-3578	181	11	were	be	AUX
fsr-3578	181	12	more	more	ADV
fsr-3578	181	13	likely	likely	ADJ
fsr-3578	181	14	to	to	PART
fsr-3578	181	15	perceive	perceive	VERB
fsr-3578	181	16	retirement	retirement	NOUN
fsr-3578	181	17	preparation	preparation	NOUN
fsr-3578	181	18	negatively	negatively	ADV
fsr-3578	181	19	(	(	PUNCT
fsr-3578	181	20	β	β	X
fsr-3578	181	21	=	=	SYM
fsr-3578	181	22	-0.03	-0.03	NUM
fsr-3578	181	23	,	,	PUNCT
fsr-3578	181	24	p	p	X
fsr-3578	181	25	=	=	PUNCT
fsr-3578	182	1	0.003).7	0.003).7	NUM
fsr-3578	182	2	7	7	NUM
fsr-3578	182	3	additional	additional	ADJ
fsr-3578	182	4	robustness	robustness	NOUN
fsr-3578	182	5	checks	check	NOUN
fsr-3578	182	6	were	be	AUX
fsr-3578	182	7	conducted	conduct	VERB
fsr-3578	182	8	,	,	PUNCT
fsr-3578	182	9	including	include	VERB
fsr-3578	182	10	(	(	PUNCT
fsr-3578	182	11	a	a	X
fsr-3578	182	12	)	)	PUNCT
fsr-3578	182	13	an	an	DET
fsr-3578	182	14	unweighted	unweighted	ADJ
fsr-3578	182	15	sample	sample	NOUN
fsr-3578	182	16	,	,	PUNCT
fsr-3578	182	17	(	(	PUNCT
fsr-3578	182	18	b	b	NOUN
fsr-3578	182	19	)	)	PUNCT
fsr-3578	182	20	multiple	multiple	ADJ
fsr-3578	182	21	imputation	imputation	NOUN
fsr-3578	182	22	,	,	PUNCT
fsr-3578	182	23	(	(	PUNCT
fsr-3578	182	24	c	c	X
fsr-3578	182	25	)	)	PUNCT
fsr-3578	182	26	excluding	exclude	VERB
fsr-3578	182	27	non	non	ADJ
fsr-3578	182	28	-	-	ADJ
fsr-3578	182	29	credit	credit	ADJ
fsr-3578	182	30	card	card	NOUN
fsr-3578	182	31	holders	holder	NOUN
fsr-3578	182	32	,	,	PUNCT
fsr-3578	182	33	(	(	PUNCT
fsr-3578	182	34	d	d	X
fsr-3578	182	35	)	)	PUNCT
fsr-3578	182	36	an	an	DET
fsr-3578	182	37	alternative	alternative	NOUN
fsr-3578	182	38	sttp	sttp	ADJ
fsr-3578	182	39	,	,	PUNCT
fsr-3578	182	40	and	and	CCONJ
fsr-3578	182	41	(	(	PUNCT
fsr-3578	182	42	e	e	NOUN
fsr-3578	182	43	)	)	PUNCT
fsr-3578	182	44	and	and	CCONJ
fsr-3578	182	45	alternative	alternative	ADJ
fsr-3578	182	46	measure	measure	NOUN
fsr-3578	182	47	for	for	ADP
fsr-3578	182	48	smti	smti	PROPN
fsr-3578	182	49	.	.	PUNCT
fsr-3578	183	1	interaction	interaction	NOUN
fsr-3578	183	2	effects	effect	NOUN
fsr-3578	183	3	were	be	AUX
fsr-3578	183	4	tested	test	VERB
fsr-3578	183	5	between	between	ADP
fsr-3578	183	6	overspending	overspending	NOUN
fsr-3578	183	7	and	and	CCONJ
fsr-3578	183	8	income	income	NOUN
fsr-3578	183	9	with	with	ADP
fsr-3578	183	10	retirement	retirement	NOUN
fsr-3578	183	11	preparation	preparation	NOUN
fsr-3578	183	12	,	,	PUNCT
fsr-3578	183	13	due	due	ADP
fsr-3578	183	14	to	to	ADP
fsr-3578	183	15	the	the	DET
fsr-3578	183	16	suspicion	suspicion	NOUN
fsr-3578	183	17	that	that	SCONJ
fsr-3578	183	18	the	the	DET
fsr-3578	183	19	relationship	relationship	NOUN
fsr-3578	183	20	between	between	ADP
fsr-3578	183	21	overspending	overspending	NOUN
fsr-3578	183	22	and	and	CCONJ
fsr-3578	183	23	retirement	retirement	NOUN
fsr-3578	183	24	preparation	preparation	NOUN
fsr-3578	183	25	may	may	AUX
fsr-3578	183	26	have	have	AUX
fsr-3578	183	27	depended	depend	VERB
fsr-3578	183	28	on	on	ADP
fsr-3578	183	29	the	the	DET
fsr-3578	183	30	level	level	NOUN
fsr-3578	183	31	of	of	ADP
fsr-3578	183	32	income	income	NOUN
fsr-3578	183	33	.	.	PUNCT
fsr-3578	184	1	to	to	PART
fsr-3578	184	2	explore	explore	VERB
fsr-3578	184	3	the	the	DET
fsr-3578	184	4	reliability	reliability	NOUN
fsr-3578	184	5	of	of	ADP
fsr-3578	184	6	overspending	overspending	NOUN
fsr-3578	184	7	and	and	CCONJ
fsr-3578	184	8	retirement	retirement	NOUN
fsr-3578	184	9	preparation	preparation	NOUN
fsr-3578	184	10	constructs	construct	NOUN
fsr-3578	184	11	,	,	PUNCT
fsr-3578	184	12	additive	additive	ADJ
fsr-3578	184	13	scales	scale	NOUN
fsr-3578	184	14	,	,	PUNCT
fsr-3578	184	15	and	and	CCONJ
fsr-3578	184	16	confirmatory	confirmatory	NOUN
fsr-3578	184	17	factor	factor	NOUN
fsr-3578	184	18	analyses	analysis	NOUN
fsr-3578	184	19	(	(	PUNCT
fsr-3578	184	20	cfa	cfa	NOUN
fsr-3578	184	21	)	)	PUNCT
fsr-3578	184	22	were	be	AUX
fsr-3578	184	23	employed	employ	VERB
fsr-3578	184	24	.	.	PUNCT
fsr-3578	185	1	while	while	SCONJ
fsr-3578	185	2	the	the	DET
fsr-3578	185	3	robustness	robustness	NOUN
fsr-3578	185	4	checks	check	NOUN
fsr-3578	185	5	reveal	reveal	VERB
fsr-3578	185	6	variation	variation	NOUN
fsr-3578	185	7	between	between	ADP
fsr-3578	185	8	data	datum	NOUN
fsr-3578	185	9	sets	set	NOUN
fsr-3578	185	10	and	and	CCONJ
fsr-3578	185	11	various	various	ADJ
fsr-3578	185	12	significant	significant	ADJ
fsr-3578	185	13	interaction	interaction	NOUN
fsr-3578	185	14	effects	effect	NOUN
fsr-3578	185	15	between	between	ADP
fsr-3578	185	16	overspending	overspending	NOUN
fsr-3578	185	17	and	and	CCONJ
fsr-3578	185	18	income	income	NOUN
fsr-3578	185	19	with	with	ADP
fsr-3578	185	20	retirement	retirement	NOUN
fsr-3578	185	21	preparation	preparation	NOUN
fsr-3578	185	22	,	,	PUNCT
fsr-3578	185	23	there	there	PRON
fsr-3578	185	24	is	be	VERB
fsr-3578	185	25	not	not	PART
fsr-3578	185	26	enough	enough	ADJ
fsr-3578	185	27	evidence	evidence	NOUN
fsr-3578	185	28	to	to	PART
fsr-3578	185	29	cause	cause	VERB
fsr-3578	185	30	concern	concern	NOUN
fsr-3578	185	31	over	over	ADP
fsr-3578	185	32	the	the	DET
fsr-3578	185	33	validity	validity	NOUN
fsr-3578	185	34	of	of	ADP
fsr-3578	185	35	the	the	DET
fsr-3578	185	36	primary	primary	ADJ
fsr-3578	185	37	analyses	analysis	NOUN
fsr-3578	185	38	.	.	PUNCT
fsr-3578	186	1	the	the	DET
fsr-3578	186	2	results	result	NOUN
fsr-3578	186	3	of	of	ADP
fsr-3578	186	4	robustness	robustness	NOUN
fsr-3578	186	5	checks	check	NOUN
fsr-3578	186	6	are	be	AUX
fsr-3578	186	7	available	available	ADJ
fsr-3578	186	8	upon	upon	SCONJ
fsr-3578	186	9	request	request	NOUN
fsr-3578	186	10	.	.	PUNCT
fsr-3578	187	1	lynn	lynn	PROPN
fsr-3578	187	2	et	et	PROPN
fsr-3578	187	3	al	al	PROPN
fsr-3578	187	4	.	.	PROPN
fsr-3578	187	5	193	193	NUM
fsr-3578	187	6	table	table	NOUN
fsr-3578	187	7	5	5	NUM
fsr-3578	187	8	.	.	PUNCT
fsr-3578	188	1	logistic	logistic	ADJ
fsr-3578	188	2	(	(	PUNCT
fsr-3578	188	3	shed	shed	NOUN
fsr-3578	188	4	)	)	PUNCT
fsr-3578	188	5	and	and	CCONJ
fsr-3578	188	6	ols	ol	NOUN
fsr-3578	188	7	(	(	PUNCT
fsr-3578	188	8	scf	scf	PROPN
fsr-3578	188	9	and	and	CCONJ
fsr-3578	188	10	nfcs	nfc	NOUN
fsr-3578	188	11	)	)	PUNCT
fsr-3578	188	12	regression	regression	NOUN
fsr-3578	188	13	of	of	ADP
fsr-3578	188	14	perceived	perceive	VERB
fsr-3578	188	15	retirement	retirement	NOUN
fsr-3578	188	16	preparation	preparation	NOUN
fsr-3578	188	17	shed	shed	NOUN
fsr-3578	188	18	,	,	PUNCT
fsr-3578	188	19	n	n	NOUN
fsr-3578	188	20	=	=	SYM
fsr-3578	188	21	4,317	4,317	NUM
fsr-3578	188	22	scf	scf	PROPN
fsr-3578	188	23	,	,	PUNCT
fsr-3578	188	24	n	n	NOUN
fsr-3578	188	25	=	=	NOUN
fsr-3578	188	26	3,361	3,361	NUM
fsr-3578	188	27	nfcs	nfc	NOUN
fsr-3578	188	28	,	,	PUNCT
fsr-3578	188	29	n	n	NOUN
fsr-3578	188	30	=	=	SYM
fsr-3578	188	31	9,524	9,524	NUM
fsr-3578	188	32	variable	variable	PROPN
fsr-3578	188	33	b	b	PROPN
fsr-3578	188	34	se	se	PROPN
fsr-3578	188	35	or	or	CCONJ
fsr-3578	188	36	b	b	PROPN
fsr-3578	188	37	se	se	PROPN
fsr-3578	188	38	b	b	PROPN
fsr-3578	188	39	β	β	X
fsr-3578	188	40	b	b	PROPN
fsr-3578	188	41	se	se	PROPN
fsr-3578	188	42	b	b	PROPN
fsr-3578	188	43	β	β	X
fsr-3578	188	44	intercept	intercept	NOUN
fsr-3578	188	45	-0.42	-0.42	NUM
fsr-3578	188	46	0.30	0.30	NUM
fsr-3578	188	47	0.66	0.66	NUM
fsr-3578	188	48	0.65	0.65	NUM
fsr-3578	188	49	*	*	PUNCT
fsr-3578	188	50	0.27	0.27	NUM
fsr-3578	188	51	6.27	6.27	NUM
fsr-3578	188	52	*	*	PUNCT
fsr-3578	188	53	*	*	PUNCT
fsr-3578	188	54	*	*	NOUN
fsr-3578	188	55	0.16	0.16	NUM
fsr-3578	188	56	spends	spend	VERB
fsr-3578	188	57	more	more	ADJ
fsr-3578	188	58	than	than	ADP
fsr-3578	188	59	income	income	NOUN
fsr-3578	188	60	-0.55	-0.55	NOUN
fsr-3578	188	61	*	*	PUNCT
fsr-3578	188	62	*	*	PUNCT
fsr-3578	188	63	*	*	PUNCT
fsr-3578	188	64	0.12	0.12	NUM
fsr-3578	188	65	0.57	0.57	NUM
fsr-3578	188	66	-0.48	-0.48	NUM
fsr-3578	188	67	*	*	NOUN
fsr-3578	188	68	*	*	PUNCT
fsr-3578	188	69	*	*	PROPN
fsr-3578	188	70	0.11	0.11	NUM
fsr-3578	188	71	-0.06	-0.06	NUM
fsr-3578	188	72	-0.04	-0.04	NUM
fsr-3578	188	73	0.05	0.05	NUM
fsr-3578	188	74	-0.01	-0.01	NUM
fsr-3578	188	75	revolves	revolve	NOUN
fsr-3578	188	76	credit	credit	NOUN
fsr-3578	188	77	card	card	NOUN
fsr-3578	188	78	debt	debt	NOUN
fsr-3578	188	79	-0.26	-0.26	NOUN
fsr-3578	188	80	*	*	PUNCT
fsr-3578	188	81	*	*	PUNCT
fsr-3578	188	82	*	*	NOUN
fsr-3578	188	83	0.05	0.05	NUM
fsr-3578	188	84	0.77	0.77	NUM
fsr-3578	188	85	-0.15	-0.15	NUM
fsr-3578	188	86	*	*	PUNCT
fsr-3578	188	87	*	*	PUNCT
fsr-3578	188	88	*	*	PUNCT
fsr-3578	188	89	0.02	0.02	NUM
fsr-3578	188	90	-0.05	-0.05	NUM
fsr-3578	188	91	0.01	0.01	NUM
fsr-3578	188	92	0.03	0.03	NUM
fsr-3578	188	93	0.00	0.00	NUM
fsr-3578	188	94	uses	use	VERB
fsr-3578	188	95	afs	afs	NOUN
fsr-3578	188	96	0.21	0.21	NUM
fsr-3578	188	97	0.24	0.24	NUM
fsr-3578	188	98	1.23	1.23	NUM
fsr-3578	188	99	-0.36	-0.36	NOUN
fsr-3578	188	100	*	*	PROPN
fsr-3578	188	101	*	*	PROPN
fsr-3578	188	102	0.12	0.12	NUM
fsr-3578	188	103	-0.04	-0.04	NUM
fsr-3578	188	104	-0.14	-0.14	NOUN
fsr-3578	188	105	*	*	NOUN
fsr-3578	188	106	*	*	NOUN
fsr-3578	188	107	0.05	0.05	NUM
fsr-3578	188	108	-0.03	-0.03	NUM
fsr-3578	188	109	*	*	PUNCT
fsr-3578	188	110	*	*	PUNCT
fsr-3578	188	111	*	*	PUNCT
fsr-3578	188	112	absence	absence	NOUN
fsr-3578	188	113	of	of	ADP
fsr-3578	188	114	emergency	emergency	NOUN
fsr-3578	188	115	fund	fund	NOUN
fsr-3578	188	116	-1.06	-1.06	NOUN
fsr-3578	188	117	*	*	NOUN
fsr-3578	188	118	*	*	PUNCT
fsr-3578	188	119	*	*	PUNCT
fsr-3578	188	120	0.09	0.09	NUM
fsr-3578	188	121	0.35	0.35	NUM
fsr-3578	188	122	-0.16	-0.16	NOUN
fsr-3578	188	123	*	*	PUNCT
fsr-3578	188	124	*	*	PUNCT
fsr-3578	188	125	*	*	PROPN
fsr-3578	188	126	0.04	0.04	NUM
fsr-3578	188	127	-0.06	-0.06	NUM
fsr-3578	188	128	0.02	0.02	NUM
fsr-3578	188	129	0.04	0.04	NUM
fsr-3578	188	130	0.01	0.01	NUM
fsr-3578	188	131	control	control	NOUN
fsr-3578	188	132	variables	variable	NOUN
fsr-3578	188	133	age	age	NOUN
fsr-3578	188	134	(	(	PUNCT
fsr-3578	188	135	under	under	ADP
fsr-3578	188	136	35	35	NUM
fsr-3578	188	137	)	)	PUNCT
fsr-3578	188	138	-0.00	-0.00	NOUN
fsr-3578	188	139	0.00	0.00	NUM
fsr-3578	188	140	0.00	0.00	NUM
fsr-3578	188	141	35	35	NUM
fsr-3578	188	142	-	-	SYM
fsr-3578	188	143	44	44	NUM
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fsr-3578	188	145	0.12	0.12	NUM
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fsr-3578	188	148	*	*	PUNCT
fsr-3578	188	149	*	*	PUNCT
fsr-3578	188	150	*	*	PUNCT
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fsr-3578	188	153	*	*	PROPN
fsr-3578	188	154	*	*	PROPN
fsr-3578	188	155	*	*	PUNCT
fsr-3578	188	156	45	45	NUM
fsr-3578	188	157	-	-	SYM
fsr-3578	188	158	54	54	NUM
fsr-3578	188	159	0.09	0.09	NUM
fsr-3578	188	160	0.13	0.13	NUM
fsr-3578	188	161	1.09	1.09	NUM
fsr-3578	188	162	-0.37	-0.37	NUM
fsr-3578	188	163	*	*	PUNCT
fsr-3578	188	164	*	*	PUNCT
fsr-3578	188	165	*	*	PUNCT
fsr-3578	188	166	0.05	0.05	NUM
fsr-3578	188	167	-0.08	-0.08	NOUN
fsr-3578	188	168	*	*	NOUN
fsr-3578	188	169	*	*	PUNCT
fsr-3578	188	170	*	*	PUNCT
fsr-3578	188	171	55	55	NUM
fsr-3578	188	172	-	-	SYM
fsr-3578	188	173	64	64	NUM
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fsr-3578	188	175	*	*	PUNCT
fsr-3578	188	176	*	*	PUNCT
fsr-3578	188	177	0.13	0.13	NUM
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fsr-3578	188	179	-0.34	-0.34	NOUN
fsr-3578	188	180	*	*	PUNCT
fsr-3578	188	181	*	*	PUNCT
fsr-3578	188	182	*	*	PROPN
fsr-3578	188	183	0.06	0.06	NUM
fsr-3578	188	184	-0.06	-0.06	NUM
fsr-3578	188	185	*	*	PROPN
fsr-3578	188	186	*	*	PROPN
fsr-3578	188	187	*	*	NOUN
fsr-3578	188	188	65	65	NUM
fsr-3578	188	189	or	or	CCONJ
fsr-3578	188	190	older	old	ADJ
fsr-3578	188	191	0.32	0.32	NUM
fsr-3578	188	192	0.21	0.21	NUM
fsr-3578	188	193	1.38	1.38	NUM
fsr-3578	188	194	-0.20	-0.20	NUM
fsr-3578	188	195	0.10	0.10	NUM
fsr-3578	188	196	-0.02	-0.02	NUM
fsr-3578	188	197	marital	marital	ADJ
fsr-3578	188	198	status	status	NOUN
fsr-3578	188	199	(	(	PUNCT
fsr-3578	188	200	married	married	ADJ
fsr-3578	188	201	)	)	PUNCT
fsr-3578	188	202	living	live	VERB
fsr-3578	188	203	with	with	ADP
fsr-3578	188	204	partner	partner	NOUN
fsr-3578	188	205	or	or	CCONJ
fsr-3578	188	206	never	never	ADV
fsr-3578	188	207	married	marry	VERB
fsr-3578	188	208	-0.24	-0.24	NOUN
fsr-3578	188	209	*	*	PUNCT
fsr-3578	188	210	0.11	0.11	NUM
fsr-3578	188	211	0.79	0.79	NUM
fsr-3578	188	212	0.08	0.08	NUM
fsr-3578	188	213	*	*	SYM
fsr-3578	188	214	0.04	0.04	NUM
fsr-3578	188	215	0.03	0.03	NUM
fsr-3578	188	216	0.05	0.05	NUM
fsr-3578	188	217	0.05	0.05	NUM
fsr-3578	188	218	0.01	0.01	NUM
fsr-3578	188	219	separated	separate	VERB
fsr-3578	188	220	or	or	CCONJ
fsr-3578	188	221	divorced	divorce	VERB
fsr-3578	188	222	-0.32	-0.32	VERB
fsr-3578	188	223	0.14	0.14	NUM
fsr-3578	188	224	0.73	0.73	NUM
fsr-3578	188	225	0.04	0.04	NUM
fsr-3578	188	226	0.05	0.05	NUM
fsr-3578	188	227	0.01	0.01	NUM
fsr-3578	188	228	0.01	0.01	NUM
fsr-3578	188	229	0.06	0.06	NUM
fsr-3578	188	230	0.00	0.00	NUM
fsr-3578	188	231	widowed	widow	VERB
fsr-3578	188	232	0.13	0.13	NUM
fsr-3578	188	233	0.47	0.47	NUM
fsr-3578	188	234	1.14	1.14	NUM
fsr-3578	188	235	0.07	0.07	NUM
fsr-3578	188	236	0.16	0.16	NUM
fsr-3578	188	237	0.00	0.00	NUM
fsr-3578	188	238	race	race	NOUN
fsr-3578	188	239	of	of	ADP
fsr-3578	188	240	respondent	respondent	NOUN
fsr-3578	188	241	(	(	PUNCT
fsr-3578	188	242	white	white	ADJ
fsr-3578	188	243	)	)	PUNCT
fsr-3578	188	244	-0.04	-0.04	NUM
fsr-3578	188	245	0.04	0.04	NUM
fsr-3578	188	246	-0.01	-0.01	NUM
fsr-3578	188	247	black	black	ADJ
fsr-3578	188	248	-0.10	-0.10	NUM
fsr-3578	188	249	0.15	0.15	NUM
fsr-3578	188	250	0.91	0.91	NUM
fsr-3578	188	251	0.22	0.22	NUM
fsr-3578	188	252	*	*	PUNCT
fsr-3578	188	253	*	*	PUNCT
fsr-3578	188	254	*	*	NOUN
fsr-3578	188	255	0.06	0.06	NUM
fsr-3578	188	256	0.06	0.06	NUM
fsr-3578	188	257	hispanic	hispanic	ADJ
fsr-3578	188	258	-0.57	-0.57	PROPN
fsr-3578	188	259	*	*	PUNCT
fsr-3578	188	260	*	*	PUNCT
fsr-3578	188	261	*	*	PUNCT
fsr-3578	188	262	0.15	0.15	NUM
fsr-3578	188	263	0.99	0.99	NUM
fsr-3578	188	264	0.03	0.03	NUM
fsr-3578	188	265	0.08	0.08	NUM
fsr-3578	188	266	0.01	0.01	NUM
fsr-3578	188	267	asian	asian	ADJ
fsr-3578	188	268	or	or	CCONJ
fsr-3578	188	269	other	other	ADJ
fsr-3578	188	270	-0.01	-0.01	NUM
fsr-3578	188	271	0.18	0.18	NUM
fsr-3578	188	272	0.56	0.56	NUM
fsr-3578	188	273	-0.21	-0.21	NOUN
fsr-3578	188	274	*	*	SYM
fsr-3578	188	275	*	*	NOUN
fsr-3578	188	276	0.06	0.06	NUM
fsr-3578	188	277	-0.04	-0.04	NUM
fsr-3578	188	278	gender	gender	NOUN
fsr-3578	188	279	of	of	ADP
fsr-3578	188	280	respondent	respondent	NOUN
fsr-3578	188	281	(	(	PUNCT
fsr-3578	188	282	male	male	NOUN
fsr-3578	188	283	)	)	PUNCT
fsr-3578	188	284	-0.03	-0.03	NOUN
fsr-3578	188	285	0.09	0.09	NUM
fsr-3578	188	286	0.97	0.97	NUM
fsr-3578	188	287	-0.12	-0.12	NOUN
fsr-3578	188	288	*	*	NOUN
fsr-3578	188	289	*	*	PROPN
fsr-3578	188	290	0.04	0.04	NUM
fsr-3578	188	291	-0.04	-0.04	NUM
fsr-3578	188	292	-0.08	-0.08	NOUN
fsr-3578	188	293	*	*	NOUN
fsr-3578	188	294	0.04	0.04	NUM
fsr-3578	188	295	-0.02	-0.02	NUM
fsr-3578	188	296	*	*	PUNCT
fsr-3578	188	297	education	education	NOUN
fsr-3578	188	298	(	(	PUNCT
fsr-3578	188	299	high	high	ADJ
fsr-3578	188	300	school	school	NOUN
fsr-3578	188	301	degree	degree	NOUN
fsr-3578	188	302	)	)	PUNCT
fsr-3578	188	303	no	no	DET
fsr-3578	188	304	high	high	ADJ
fsr-3578	188	305	school	school	NOUN
fsr-3578	188	306	degree	degree	NOUN
fsr-3578	188	307	-0.61	-0.61	NOUN
fsr-3578	188	308	0.39	0.39	NUM
fsr-3578	188	309	0.55	0.55	NUM
fsr-3578	188	310	0.08	0.08	NUM
fsr-3578	188	311	0.11	0.11	NUM
fsr-3578	188	312	0.00	0.00	NUM
fsr-3578	188	313	0.16	0.16	NUM
fsr-3578	188	314	0.23	0.23	NUM
fsr-3578	188	315	0.01	0.01	NUM
fsr-3578	188	316	some	some	DET
fsr-3578	188	317	college	college	NOUN
fsr-3578	188	318	-0.02	-0.02	NUM
fsr-3578	188	319	0.13	0.13	NUM
fsr-3578	188	320	0.98	0.98	NUM
fsr-3578	188	321	-0.04	-0.04	NUM
fsr-3578	188	322	0.06	0.06	NUM
fsr-3578	188	323	0.00	0.00	NUM
fsr-3578	188	324	0.02	0.02	NUM
fsr-3578	188	325	0.06	0.06	NUM
fsr-3578	188	326	0.01	0.01	NUM
fsr-3578	188	327	bachelor	bachelor	NOUN
fsr-3578	188	328	's	's	PART
fsr-3578	188	329	degree	degree	NOUN
fsr-3578	188	330	0.32	0.32	NUM
fsr-3578	188	331	*	*	NOUN
fsr-3578	188	332	0.13	0.13	NUM
fsr-3578	188	333	1.37	1.37	NUM
fsr-3578	188	334	0.12	0.12	NUM
fsr-3578	188	335	0.07	0.07	NUM
fsr-3578	188	336	0.04	0.04	NUM
fsr-3578	188	337	0.07	0.07	NUM
fsr-3578	188	338	0.07	0.07	NUM
fsr-3578	188	339	0.02	0.02	NUM
fsr-3578	188	340	financial	financial	ADJ
fsr-3578	188	341	services	service	NOUN
fsr-3578	188	342	review	review	NOUN
fsr-3578	188	343	,	,	PUNCT
fsr-3578	188	344	33(1	33(1	NUM
fsr-3578	188	345	)	)	PUNCT
fsr-3578	188	346	194	194	NUM
fsr-3578	188	347	advanced	advanced	ADJ
fsr-3578	188	348	degree	degree	NOUN
fsr-3578	188	349	0.09	0.09	NUM
fsr-3578	188	350	0.07	0.07	NUM
fsr-3578	188	351	0.03	0.03	NUM
fsr-3578	188	352	0.02	0.02	NUM
fsr-3578	188	353	0.08	0.08	NUM
fsr-3578	188	354	0.00	0.00	NUM
fsr-3578	188	355	parental	parental	ADJ
fsr-3578	188	356	education	education	NOUN
fsr-3578	188	357	(	(	PUNCT
fsr-3578	188	358	high	high	ADJ
fsr-3578	188	359	school	school	NOUN
fsr-3578	188	360	degree	degree	NOUN
fsr-3578	188	361	)	)	PUNCT
fsr-3578	188	362	no	no	DET
fsr-3578	188	363	high	high	ADJ
fsr-3578	188	364	school	school	NOUN
fsr-3578	188	365	degree	degree	NOUN
fsr-3578	188	366	-0.05	-0.05	NOUN
fsr-3578	188	367	0.20	0.20	NUM
fsr-3578	188	368	0.95	0.95	NUM
fsr-3578	188	369	-0.10	-0.10	NUM
fsr-3578	188	370	0.07	0.07	NUM
fsr-3578	188	371	-0.02	-0.02	NUM
fsr-3578	188	372	0.09	0.09	NUM
fsr-3578	188	373	0.10	0.10	NUM
fsr-3578	188	374	0.01	0.01	NUM
fsr-3578	188	375	some	some	DET
fsr-3578	188	376	college	college	NOUN
fsr-3578	188	377	-0.11	-0.11	NUM
fsr-3578	188	378	0.12	0.12	NUM
fsr-3578	188	379	0.90	0.90	NUM
fsr-3578	188	380	-0.02	-0.02	NUM
fsr-3578	188	381	0.07	0.07	NUM
fsr-3578	188	382	0.00	0.00	NUM
fsr-3578	188	383	0.03	0.03	NUM
fsr-3578	188	384	0.06	0.06	NUM
fsr-3578	188	385	0.01	0.01	NUM
fsr-3578	188	386	bachelor	bachelor	NOUN
fsr-3578	188	387	's	's	PART
fsr-3578	188	388	degree	degree	NOUN
fsr-3578	188	389	or	or	CCONJ
fsr-3578	188	390	beyond	beyond	ADP
fsr-3578	188	391	0.04	0.04	NUM
fsr-3578	188	392	0.12	0.12	NUM
fsr-3578	188	393	1.04	1.04	NUM
fsr-3578	188	394	0.01	0.01	NUM
fsr-3578	188	395	0.05	0.05	NUM
fsr-3578	188	396	0.00	0.00	NUM
fsr-3578	188	397	0.08	0.08	NUM
fsr-3578	188	398	0.06	0.06	NUM
fsr-3578	188	399	0.02	0.02	NUM
fsr-3578	188	400	advanced	advanced	ADJ
fsr-3578	188	401	degree	degree	NOUN
fsr-3578	188	402	0.01	0.01	NUM
fsr-3578	188	403	0.13	0.13	NUM
fsr-3578	188	404	1.01	1.01	NUM
fsr-3578	188	405	0.11	0.11	NUM
fsr-3578	188	406	0.07	0.07	NUM
fsr-3578	188	407	0.02	0.02	NUM
fsr-3578	188	408	risk	risk	NOUN
fsr-3578	188	409	tolerance	tolerance	NOUN
fsr-3578	188	410	0.12	0.12	NUM
fsr-3578	188	411	*	*	PUNCT
fsr-3578	188	412	*	*	PUNCT
fsr-3578	188	413	*	*	PUNCT
fsr-3578	188	414	0.02	0.02	NUM
fsr-3578	188	415	1.12	1.12	NUM
fsr-3578	188	416	0.06	0.06	NUM
fsr-3578	188	417	*	*	PUNCT
fsr-3578	188	418	*	*	PUNCT
fsr-3578	188	419	*	*	PUNCT
fsr-3578	188	420	0.01	0.01	NUM
fsr-3578	188	421	0.12	0.12	NUM
fsr-3578	188	422	-0.01	-0.01	NUM
fsr-3578	188	423	0.01	0.01	NUM
fsr-3578	188	424	-0.01	-0.01	NUM
fsr-3578	188	425	income	income	NOUN
fsr-3578	188	426	0.19	0.19	NUM
fsr-3578	188	427	*	*	PUNCT
fsr-3578	188	428	*	*	PUNCT
fsr-3578	188	429	*	*	PUNCT
fsr-3578	188	430	0.02	0.02	NUM
fsr-3578	188	431	0.27	0.27	NUM
fsr-3578	188	432	$	$	SYM
fsr-3578	188	433	25,000-$49,999	25,000-$49,999	NUM
fsr-3578	188	434	0.79	0.79	NUM
fsr-3578	188	435	*	*	NOUN
fsr-3578	188	436	*	*	PUNCT
fsr-3578	188	437	*	*	PUNCT
fsr-3578	188	438	0.22	0.22	NUM
fsr-3578	188	439	2.19	2.19	NUM
fsr-3578	188	440	-0.02	-0.02	NUM
fsr-3578	188	441	0.09	0.09	NUM
fsr-3578	188	442	-0.00	-0.00	NUM
fsr-3578	188	443	$	$	SYM
fsr-3578	188	444	50,000-$74,999	50,000-$74,999	NUM
fsr-3578	188	445	0.98	0.98	NUM
fsr-3578	188	446	*	*	PUNCT
fsr-3578	188	447	*	*	PUNCT
fsr-3578	188	448	*	*	PUNCT
fsr-3578	188	449	0.21	0.21	NUM
fsr-3578	188	450	2.66	2.66	NUM
fsr-3578	188	451	-0.07	-0.07	NUM
fsr-3578	188	452	0.09	0.09	NUM
fsr-3578	188	453	-0.01	-0.01	NUM
fsr-3578	188	454	$	$	SYM
fsr-3578	188	455	75,000-$99,999	75,000-$99,999	NUM
fsr-3578	188	456	1.06	1.06	NUM
fsr-3578	188	457	*	*	NOUN
fsr-3578	188	458	*	*	PUNCT
fsr-3578	188	459	*	*	PUNCT
fsr-3578	188	460	0.22	0.22	NUM
fsr-3578	188	461	2.89	2.89	NUM
fsr-3578	188	462	-0.08	-0.08	NUM
fsr-3578	188	463	0.09	0.09	NUM
fsr-3578	188	464	-0.02	-0.02	NUM
fsr-3578	188	465	$	$	SYM
fsr-3578	188	466	100,000-$149,999	100,000-$149,999	NUM
fsr-3578	188	467	1.08	1.08	NUM
fsr-3578	188	468	*	*	PUNCT
fsr-3578	188	469	*	*	PUNCT
fsr-3578	188	470	*	*	PUNCT
fsr-3578	188	471	0.21	0.21	NUM
fsr-3578	188	472	2.95	2.95	NUM
fsr-3578	188	473	0.07	0.07	NUM
fsr-3578	188	474	0.10	0.10	NUM
fsr-3578	188	475	0.01	0.01	NUM
fsr-3578	188	476	$	$	SYM
fsr-3578	188	477	150,000	150,000	NUM
fsr-3578	188	478	or	or	CCONJ
fsr-3578	188	479	more	more	ADJ
fsr-3578	188	480	1.33	1.33	NUM
fsr-3578	188	481	*	*	PUNCT
fsr-3578	188	482	*	*	PUNCT
fsr-3578	188	483	*	*	PUNCT
fsr-3578	188	484	0.23	0.23	NUM
fsr-3578	188	485	3.79	3.79	NUM
fsr-3578	188	486	0.34	0.34	NUM
fsr-3578	188	487	*	*	PUNCT
fsr-3578	188	488	*	*	PUNCT
fsr-3578	188	489	0.11	0.11	NUM
fsr-3578	188	490	0.05	0.05	NUM
fsr-3578	188	491	objective	objective	ADJ
fsr-3578	188	492	financial	financial	ADJ
fsr-3578	188	493	knowledge	knowledge	NOUN
fsr-3578	188	494	0.01	0.01	NUM
fsr-3578	188	495	0.05	0.05	NUM
fsr-3578	188	496	1.01	1.01	NUM
fsr-3578	188	497	-0.01	-0.01	NUM
fsr-3578	188	498	0.03	0.03	NUM
fsr-3578	188	499	-0.01	-0.01	NUM
fsr-3578	188	500	-0.03	-0.03	NUM
fsr-3578	188	501	*	*	PROPN
fsr-3578	188	502	0.01	0.01	NUM
fsr-3578	188	503	-0.02	-0.02	NUM
fsr-3578	188	504	subjective	subjective	ADJ
fsr-3578	188	505	financial	financial	ADJ
fsr-3578	188	506	knowledge	knowledge	NOUN
fsr-3578	188	507	0.07	0.07	NUM
fsr-3578	188	508	*	*	PUNCT
fsr-3578	188	509	*	*	PUNCT
fsr-3578	188	510	*	*	PUNCT
fsr-3578	188	511	0.01	0.01	NUM
fsr-3578	188	512	0.11	0.11	NUM
fsr-3578	188	513	0.05	0.05	NUM
fsr-3578	188	514	*	*	PUNCT
fsr-3578	188	515	*	*	PUNCT
fsr-3578	188	516	0.02	0.02	NUM
fsr-3578	188	517	0.03	0.03	NUM
fsr-3578	188	518	financial	financial	ADJ
fsr-3578	188	519	attitude	attitude	NOUN
fsr-3578	188	520	-0.62	-0.62	NOUN
fsr-3578	188	521	*	*	NOUN
fsr-3578	188	522	*	*	NOUN
fsr-3578	188	523	*	*	PROPN
fsr-3578	188	524	0.01	0.01	NUM
fsr-3578	188	525	-0.63	-0.63	NUM
fsr-3578	188	526	health	health	NOUN
fsr-3578	188	527	(	(	PUNCT
fsr-3578	188	528	excellent	excellent	ADJ
fsr-3578	188	529	)	)	PUNCT
fsr-3578	188	530	fair	fair	ADJ
fsr-3578	188	531	-0.49	-0.49	NOUN
fsr-3578	188	532	*	*	NOUN
fsr-3578	188	533	*	*	PUNCT
fsr-3578	188	534	*	*	PUNCT
fsr-3578	188	535	0.09	0.09	NUM
fsr-3578	188	536	0.61	0.61	NUM
fsr-3578	188	537	-0.24	-0.24	NOUN
fsr-3578	188	538	*	*	PUNCT
fsr-3578	188	539	*	*	PUNCT
fsr-3578	188	540	*	*	PUNCT
fsr-3578	188	541	0.05	0.05	NUM
fsr-3578	188	542	-0.09	-0.09	NUM
fsr-3578	188	543	poor	poor	ADJ
fsr-3578	188	544	-1.03	-1.03	NUM
fsr-3578	188	545	*	*	PUNCT
fsr-3578	188	546	0.42	0.42	NUM
fsr-3578	188	547	0.36	0.36	NUM
fsr-3578	188	548	-0.73	-0.73	NOUN
fsr-3578	188	549	*	*	PUNCT
fsr-3578	188	550	*	*	PUNCT
fsr-3578	188	551	*	*	NOUN
fsr-3578	188	552	0.19	0.19	NUM
fsr-3578	188	553	-0.07	-0.07	NUM
fsr-3578	188	554	model	model	PROPN
fsr-3578	188	555	fit	fit	PROPN
fsr-3578	188	556	statistics	statistic	NOUN
fsr-3578	188	557	c	c	NOUN
fsr-3578	188	558	-	-	PUNCT
fsr-3578	188	559	statistic	statistic	NOUN
fsr-3578	188	560	0.81	0.81	NUM
fsr-3578	188	561	r2	r2	NOUN
fsr-3578	188	562	0.16	0.16	NUM
fsr-3578	188	563	r2	r2	NOUN
fsr-3578	188	564	0.42	0.42	NUM
fsr-3578	188	565	pseudo	pseudo	NOUN
fsr-3578	188	566	r2	r2	PROPN
fsr-3578	188	567	0.23	0.23	NUM
fsr-3578	188	568	adjusted	adjust	VERB
fsr-3578	188	569	r2	r2	PROPN
fsr-3578	188	570	0.15	0.15	NUM
fsr-3578	188	571	note	note	NOUN
fsr-3578	188	572	.	.	PUNCT
fsr-3578	189	1	the	the	DET
fsr-3578	189	2	analyses	analysis	NOUN
fsr-3578	189	3	were	be	AUX
fsr-3578	189	4	weighted	weight	VERB
fsr-3578	189	5	.	.	PUNCT
fsr-3578	190	1	scf	scf	PROPN
fsr-3578	190	2	income	income	NOUN
fsr-3578	190	3	was	be	AUX
fsr-3578	190	4	logged	log	VERB
fsr-3578	190	5	.	.	PUNCT
fsr-3578	191	1	data	datum	NOUN
fsr-3578	191	2	from	from	ADP
fsr-3578	191	3	the	the	DET
fsr-3578	191	4	2019	2019	NUM
fsr-3578	191	5	shed	shed	NOUN
fsr-3578	191	6	,	,	PUNCT
fsr-3578	191	7	2019	2019	NUM
fsr-3578	191	8	scf	scf	PROPN
fsr-3578	191	9	,	,	PUNCT
fsr-3578	191	10	and	and	CCONJ
fsr-3578	191	11	2018	2018	NUM
fsr-3578	191	12	nfcs	nfc	NOUN
fsr-3578	191	13	.	.	PUNCT
fsr-3578	192	1	samples	sample	NOUN
fsr-3578	192	2	restricted	restrict	VERB
fsr-3578	192	3	to	to	ADP
fsr-3578	192	4	only	only	ADV
fsr-3578	192	5	those	those	PRON
fsr-3578	192	6	working	work	VERB
fsr-3578	192	7	full	full	ADJ
fsr-3578	192	8	-	-	PUNCT
fsr-3578	192	9	time	time	NOUN
fsr-3578	192	10	.	.	PUNCT
fsr-3578	193	1	*	*	PUNCT
fsr-3578	194	1	p	p	X
fsr-3578	194	2	<	<	X
fsr-3578	194	3	.05	.05	NUM
fsr-3578	194	4	;	;	PUNCT
fsr-3578	194	5	*	*	PUNCT
fsr-3578	194	6	*	*	PUNCT
fsr-3578	194	7	p	p	X
fsr-3578	194	8	<	<	X
fsr-3578	194	9	.01	.01	NUM
fsr-3578	194	10	;	;	PUNCT
fsr-3578	194	11	*	*	PUNCT
fsr-3578	194	12	*	*	PUNCT
fsr-3578	194	13	*	*	PUNCT
fsr-3578	195	1	p	p	X
fsr-3578	195	2	<	<	X
fsr-3578	195	3	.001	.001	NUM
fsr-3578	195	4	.	.	PUNCT
fsr-3578	196	1	lynn	lynn	PROPN
fsr-3578	196	2	et	et	PROPN
fsr-3578	196	3	al	al	PROPN
fsr-3578	196	4	.	.	PROPN
fsr-3578	196	5	195	195	NUM
fsr-3578	196	6	discussion	discussion	NOUN
fsr-3578	196	7	out	out	ADP
fsr-3578	196	8	of	of	ADP
fsr-3578	196	9	all	all	DET
fsr-3578	196	10	the	the	DET
fsr-3578	196	11	retirement	retirement	NOUN
fsr-3578	196	12	preparation	preparation	NOUN
fsr-3578	196	13	analyses	analysis	NOUN
fsr-3578	196	14	conducted	conduct	VERB
fsr-3578	196	15	,	,	PUNCT
fsr-3578	196	16	a	a	DET
fsr-3578	196	17	significant	significant	ADJ
fsr-3578	196	18	negative	negative	ADJ
fsr-3578	196	19	relationship	relationship	NOUN
fsr-3578	196	20	was	be	AUX
fsr-3578	196	21	found	find	VERB
fsr-3578	196	22	in	in	ADP
fsr-3578	196	23	many	many	ADJ
fsr-3578	196	24	but	but	CCONJ
fsr-3578	196	25	not	not	PART
fsr-3578	196	26	all	all	DET
fsr-3578	196	27	the	the	DET
fsr-3578	196	28	analyses	analysis	NOUN
fsr-3578	196	29	,	,	PUNCT
fsr-3578	196	30	partially	partially	ADV
fsr-3578	196	31	supporting	support	VERB
fsr-3578	196	32	h1	h1	NOUN
fsr-3578	196	33	.	.	PUNCT
fsr-3578	197	1	the	the	DET
fsr-3578	197	2	lack	lack	NOUN
fsr-3578	197	3	of	of	ADP
fsr-3578	197	4	consistency	consistency	NOUN
fsr-3578	197	5	in	in	ADP
fsr-3578	197	6	results	result	NOUN
fsr-3578	197	7	across	across	ADP
fsr-3578	197	8	the	the	DET
fsr-3578	197	9	data	data	NOUN
fsr-3578	197	10	sets	set	VERB
fsr-3578	197	11	temper	temper	NOUN
fsr-3578	197	12	the	the	DET
fsr-3578	197	13	conclusions	conclusion	NOUN
fsr-3578	197	14	drawn	draw	VERB
fsr-3578	197	15	.	.	PUNCT
fsr-3578	198	1	retirement	retirement	NOUN
fsr-3578	198	2	account	account	PROPN
fsr-3578	198	3	ownership	ownership	NOUN
fsr-3578	198	4	overspending	overspending	NOUN
fsr-3578	198	5	,	,	PUNCT
fsr-3578	198	6	as	as	SCONJ
fsr-3578	198	7	measured	measure	VERB
fsr-3578	198	8	by	by	ADP
fsr-3578	198	9	smti	smti	PROPN
fsr-3578	198	10	,	,	PUNCT
fsr-3578	198	11	was	be	AUX
fsr-3578	198	12	found	find	VERB
fsr-3578	198	13	to	to	PART
fsr-3578	198	14	have	have	VERB
fsr-3578	198	15	a	a	DET
fsr-3578	198	16	significant	significant	ADJ
fsr-3578	198	17	negative	negative	ADJ
fsr-3578	198	18	relationship	relationship	NOUN
fsr-3578	198	19	with	with	ADP
fsr-3578	198	20	retirement	retirement	NOUN
fsr-3578	198	21	account	account	NOUN
fsr-3578	198	22	ownership	ownership	NOUN
fsr-3578	198	23	in	in	ADP
fsr-3578	198	24	the	the	DET
fsr-3578	198	25	shed	shed	ADJ
fsr-3578	198	26	analysis	analysis	NOUN
fsr-3578	198	27	,	,	PUNCT
fsr-3578	198	28	but	but	CCONJ
fsr-3578	198	29	not	not	PART
fsr-3578	198	30	in	in	ADP
fsr-3578	198	31	the	the	DET
fsr-3578	198	32	scf	scf	PROPN
fsr-3578	198	33	or	or	CCONJ
fsr-3578	198	34	nfcs	nfcs	NOUN
fsr-3578	198	35	analyses	analysis	NOUN
fsr-3578	198	36	.	.	PUNCT
fsr-3578	199	1	rccd	rccd	NOUN
fsr-3578	199	2	was	be	AUX
fsr-3578	199	3	significant	significant	ADJ
fsr-3578	199	4	negatively	negatively	ADV
fsr-3578	199	5	related	relate	VERB
fsr-3578	199	6	to	to	ADP
fsr-3578	199	7	retirement	retirement	NOUN
fsr-3578	199	8	account	account	NOUN
fsr-3578	199	9	ownership	ownership	NOUN
fsr-3578	199	10	in	in	ADP
fsr-3578	199	11	the	the	DET
fsr-3578	199	12	shed	shed	NOUN
fsr-3578	199	13	,	,	PUNCT
fsr-3578	199	14	scf	scf	PROPN
fsr-3578	199	15	,	,	PUNCT
fsr-3578	199	16	and	and	CCONJ
fsr-3578	199	17	nfcs	nfcs	NOUN
fsr-3578	199	18	analyses	analysis	NOUN
fsr-3578	199	19	.	.	PUNCT
fsr-3578	200	1	afs	afs	NOUN
fsr-3578	200	2	usage	usage	NOUN
fsr-3578	200	3	was	be	AUX
fsr-3578	200	4	not	not	PART
fsr-3578	200	5	related	relate	VERB
fsr-3578	200	6	to	to	ADP
fsr-3578	200	7	retirement	retirement	NOUN
fsr-3578	200	8	account	account	NOUN
fsr-3578	200	9	ownership	ownership	NOUN
fsr-3578	200	10	in	in	ADP
fsr-3578	200	11	the	the	DET
fsr-3578	200	12	shed	shed	NOUN
fsr-3578	200	13	,	,	PUNCT
fsr-3578	200	14	scf	scf	PROPN
fsr-3578	200	15	,	,	PUNCT
fsr-3578	200	16	or	or	CCONJ
fsr-3578	200	17	nfcs	nfc	VERB
fsr-3578	200	18	analysis	analysis	NOUN
fsr-3578	200	19	.	.	PUNCT
fsr-3578	201	1	aef	aef	PROPN
fsr-3578	201	2	was	be	AUX
fsr-3578	201	3	negatively	negatively	ADV
fsr-3578	201	4	associated	associate	VERB
fsr-3578	201	5	with	with	ADP
fsr-3578	201	6	retirement	retirement	NOUN
fsr-3578	201	7	account	account	NOUN
fsr-3578	201	8	ownership	ownership	NOUN
fsr-3578	201	9	in	in	ADP
fsr-3578	201	10	both	both	CCONJ
fsr-3578	201	11	the	the	DET
fsr-3578	201	12	shed	shed	NOUN
fsr-3578	201	13	,	,	PUNCT
fsr-3578	201	14	scf	scf	PROPN
fsr-3578	201	15	,	,	PUNCT
fsr-3578	201	16	and	and	CCONJ
fsr-3578	201	17	the	the	DET
fsr-3578	201	18	nfcs	nfcs	NOUN
fsr-3578	201	19	analyses	analyse	VERB
fsr-3578	201	20	.	.	PUNCT
fsr-3578	202	1	because	because	SCONJ
fsr-3578	202	2	some	some	DET
fsr-3578	202	3	overspending	overspending	NOUN
fsr-3578	202	4	measures	measure	NOUN
fsr-3578	202	5	,	,	PUNCT
fsr-3578	202	6	but	but	CCONJ
fsr-3578	202	7	not	not	PART
fsr-3578	202	8	all	all	PRON
fsr-3578	202	9	,	,	PUNCT
fsr-3578	202	10	exhibited	exhibit	VERB
fsr-3578	202	11	a	a	DET
fsr-3578	202	12	significant	significant	ADJ
fsr-3578	202	13	negative	negative	ADJ
fsr-3578	202	14	relationship	relationship	NOUN
fsr-3578	202	15	with	with	ADP
fsr-3578	202	16	retirement	retirement	NOUN
fsr-3578	202	17	account	account	NOUN
fsr-3578	202	18	ownership	ownership	NOUN
fsr-3578	202	19	,	,	PUNCT
fsr-3578	202	20	only	only	ADV
fsr-3578	202	21	partial	partial	ADJ
fsr-3578	202	22	support	support	NOUN
fsr-3578	202	23	for	for	ADP
fsr-3578	202	24	h1	h1	PROPN
fsr-3578	202	25	was	be	AUX
fsr-3578	202	26	noted	note	VERB
fsr-3578	202	27	.	.	PUNCT
fsr-3578	203	1	active	active	ADJ
fsr-3578	203	2	contributions	contribution	NOUN
fsr-3578	203	3	to	to	ADP
fsr-3578	203	4	a	a	DET
fsr-3578	203	5	retirement	retirement	NOUN
fsr-3578	203	6	account	account	NOUN
fsr-3578	203	7	overspending	overspending	NOUN
fsr-3578	203	8	,	,	PUNCT
fsr-3578	203	9	as	as	SCONJ
fsr-3578	203	10	measured	measure	VERB
fsr-3578	203	11	by	by	ADP
fsr-3578	203	12	smti	smti	PROPN
fsr-3578	203	13	and	and	CCONJ
fsr-3578	203	14	afs	afs	NOUN
fsr-3578	203	15	usage	usage	NOUN
fsr-3578	203	16	,	,	PUNCT
fsr-3578	203	17	was	be	AUX
fsr-3578	203	18	not	not	PART
fsr-3578	203	19	related	relate	VERB
fsr-3578	203	20	to	to	ADP
fsr-3578	203	21	acra	acra	NOUN
fsr-3578	203	22	in	in	ADP
fsr-3578	203	23	the	the	DET
fsr-3578	203	24	scf	scf	PROPN
fsr-3578	203	25	or	or	CCONJ
fsr-3578	203	26	nfcs	nfcs	NOUN
fsr-3578	203	27	analyses	analysis	NOUN
fsr-3578	203	28	.	.	PUNCT
fsr-3578	204	1	rccd	rccd	NOUN
fsr-3578	204	2	was	be	AUX
fsr-3578	204	3	found	find	VERB
fsr-3578	204	4	to	to	PART
fsr-3578	204	5	have	have	VERB
fsr-3578	204	6	a	a	DET
fsr-3578	204	7	significant	significant	ADJ
fsr-3578	204	8	relationship	relationship	NOUN
fsr-3578	204	9	with	with	ADP
fsr-3578	204	10	acra	acra	NOUN
fsr-3578	204	11	in	in	ADP
fsr-3578	204	12	the	the	DET
fsr-3578	204	13	scf	scf	PROPN
fsr-3578	204	14	analysis	analysis	NOUN
fsr-3578	204	15	,	,	PUNCT
fsr-3578	204	16	but	but	CCONJ
fsr-3578	204	17	not	not	PART
fsr-3578	204	18	the	the	DET
fsr-3578	204	19	nfcs	nfcs	ADJ
fsr-3578	204	20	analysis	analysis	NOUN
fsr-3578	204	21	.	.	PUNCT
fsr-3578	205	1	aef	aef	PROPN
fsr-3578	205	2	was	be	AUX
fsr-3578	205	3	negatively	negatively	ADV
fsr-3578	205	4	associated	associate	VERB
fsr-3578	205	5	with	with	ADP
fsr-3578	205	6	acra	acra	NOUN
fsr-3578	205	7	in	in	ADP
fsr-3578	205	8	the	the	DET
fsr-3578	205	9	nfcs	nfcs	ADJ
fsr-3578	205	10	analysis	analysis	NOUN
fsr-3578	205	11	,	,	PUNCT
fsr-3578	205	12	but	but	CCONJ
fsr-3578	205	13	not	not	PART
fsr-3578	205	14	in	in	ADP
fsr-3578	205	15	the	the	DET
fsr-3578	205	16	scf	scf	PROPN
fsr-3578	205	17	analysis	analysis	NOUN
fsr-3578	205	18	.	.	PUNCT
fsr-3578	206	1	as	as	ADP
fsr-3578	206	2	such	such	ADJ
fsr-3578	206	3	,	,	PUNCT
fsr-3578	206	4	h1	h1	PROPN
fsr-3578	206	5	was	be	AUX
fsr-3578	206	6	partially	partially	ADV
fsr-3578	206	7	supported	support	VERB
fsr-3578	206	8	.	.	PUNCT
fsr-3578	207	1	8	8	NUM
fsr-3578	207	2	a	a	DET
fsr-3578	207	3	possible	possible	ADJ
fsr-3578	207	4	explanation	explanation	NOUN
fsr-3578	207	5	for	for	ADP
fsr-3578	207	6	only	only	ADV
fsr-3578	207	7	about	about	ADP
fsr-3578	207	8	half	half	NOUN
fsr-3578	207	9	of	of	ADP
fsr-3578	207	10	the	the	DET
fsr-3578	207	11	overspending	overspending	NOUN
fsr-3578	207	12	and	and	CCONJ
fsr-3578	207	13	retirement	retirement	NOUN
fsr-3578	207	14	preparation	preparation	NOUN
fsr-3578	207	15	analyses	analysis	NOUN
fsr-3578	207	16	being	be	AUX
fsr-3578	207	17	significant	significant	ADJ
fsr-3578	207	18	is	be	AUX
fsr-3578	207	19	that	that	SCONJ
fsr-3578	207	20	overspending	overspending	NOUN
fsr-3578	207	21	has	have	AUX
fsr-3578	207	22	become	become	AUX
fsr-3578	207	23	normalized	normalize	VERB
fsr-3578	207	24	in	in	ADP
fsr-3578	207	25	american	american	ADJ
fsr-3578	207	26	culture	culture	NOUN
fsr-3578	207	27	.	.	PUNCT
fsr-3578	208	1	a	a	DET
fsr-3578	208	2	few	few	ADJ
fsr-3578	208	3	ideas	idea	NOUN
fsr-3578	208	4	are	be	AUX
fsr-3578	208	5	provided	provide	VERB
fsr-3578	208	6	here	here	ADV
fsr-3578	208	7	to	to	PART
fsr-3578	208	8	describe	describe	VERB
fsr-3578	208	9	what	what	PRON
fsr-3578	208	10	normalized	normalize	VERB
fsr-3578	208	11	overspending	overspending	NOUN
fsr-3578	208	12	behavior	behavior	NOUN
fsr-3578	208	13	could	could	AUX
fsr-3578	208	14	look	look	VERB
fsr-3578	208	15	like	like	ADP
fsr-3578	208	16	.	.	PUNCT
fsr-3578	209	1	first	first	ADV
fsr-3578	209	2	,	,	PUNCT
fsr-3578	209	3	respondents	respondent	NOUN
fsr-3578	209	4	may	may	AUX
fsr-3578	209	5	not	not	PART
fsr-3578	209	6	realize	realize	VERB
fsr-3578	209	7	they	they	PRON
fsr-3578	209	8	are	be	AUX
fsr-3578	209	9	spending	spend	VERB
fsr-3578	209	10	more	more	ADJ
fsr-3578	209	11	than	than	ADP
fsr-3578	209	12	their	their	PRON
fsr-3578	209	13	income	income	NOUN
fsr-3578	209	14	.	.	PUNCT
fsr-3578	210	1	second	second	ADJ
fsr-3578	210	2	,	,	PUNCT
fsr-3578	210	3	credit	credit	NOUN
fsr-3578	210	4	cards	card	NOUN
fsr-3578	210	5	could	could	AUX
fsr-3578	210	6	be	be	AUX
fsr-3578	210	7	considered	consider	VERB
fsr-3578	210	8	necessary	necessary	ADJ
fsr-3578	210	9	for	for	SCONJ
fsr-3578	210	10	some	some	DET
fsr-3578	210	11	households	household	NOUN
fsr-3578	210	12	to	to	PART
fsr-3578	210	13	manage	manage	VERB
fsr-3578	210	14	their	their	PRON
fsr-3578	210	15	cashflow	cashflow	NOUN
fsr-3578	210	16	,	,	PUNCT
fsr-3578	210	17	and	and	CCONJ
fsr-3578	210	18	thus	thus	ADV
fsr-3578	210	19	does	do	AUX
fsr-3578	210	20	not	not	PART
fsr-3578	210	21	significantly	significantly	ADV
fsr-3578	210	22	relate	relate	VERB
fsr-3578	210	23	to	to	ADP
fsr-3578	210	24	retirement	retirement	NOUN
fsr-3578	210	25	preparation	preparation	NOUN
fsr-3578	210	26	behavior	behavior	NOUN
fsr-3578	210	27	.	.	PUNCT
fsr-3578	211	1	third	third	ADJ
fsr-3578	211	2	,	,	PUNCT
fsr-3578	211	3	afs	afs	NOUN
fsr-3578	211	4	usage	usage	NOUN
fsr-3578	211	5	could	could	AUX
fsr-3578	211	6	be	be	AUX
fsr-3578	211	7	seen	see	VERB
fsr-3578	211	8	by	by	ADP
fsr-3578	211	9	some	some	PRON
fsr-3578	211	10	as	as	ADP
fsr-3578	211	11	an	an	DET
fsr-3578	211	12	acceptable	acceptable	ADJ
fsr-3578	211	13	financing	financing	NOUN
fsr-3578	211	14	resource	resource	NOUN
fsr-3578	211	15	to	to	PART
fsr-3578	211	16	occasionally	occasionally	ADV
fsr-3578	211	17	bridge	bridge	VERB
fsr-3578	211	18	cashflow	cashflow	ADJ
fsr-3578	211	19	gaps	gap	NOUN
fsr-3578	211	20	when	when	SCONJ
fsr-3578	211	21	needed	need	VERB
fsr-3578	211	22	and	and	CCONJ
fsr-3578	211	23	does	do	AUX
fsr-3578	211	24	not	not	PART
fsr-3578	211	25	correspond	correspond	VERB
fsr-3578	211	26	to	to	ADP
fsr-3578	211	27	a	a	DET
fsr-3578	211	28	shift	shift	NOUN
fsr-3578	211	29	in	in	ADP
fsr-3578	211	30	one	one	NUM
fsr-3578	211	31	’s	’s	PART
fsr-3578	211	32	retirement	retirement	NOUN
fsr-3578	211	33	preparation	preparation	NOUN
fsr-3578	211	34	behavior	behavior	NOUN
fsr-3578	211	35	.	.	PUNCT
fsr-3578	212	1	fourth	fourth	ADJ
fsr-3578	212	2	,	,	PUNCT
fsr-3578	212	3	an	an	DET
fsr-3578	212	4	emergency	emergency	NOUN
fsr-3578	212	5	retirement	retirement	NOUN
fsr-3578	212	6	account	account	NOUN
fsr-3578	212	7	balance	balance	NOUN
fsr-3578	212	8	overspending	overspending	NOUN
fsr-3578	212	9	,	,	PUNCT
fsr-3578	212	10	as	as	SCONJ
fsr-3578	212	11	measured	measure	VERB
fsr-3578	212	12	by	by	ADP
fsr-3578	212	13	smti	smti	PROPN
fsr-3578	212	14	and	and	CCONJ
fsr-3578	212	15	afs	afs	NOUN
fsr-3578	212	16	usage	usage	NOUN
fsr-3578	212	17	,	,	PUNCT
fsr-3578	212	18	were	be	AUX
fsr-3578	212	19	not	not	PART
fsr-3578	212	20	related	relate	VERB
fsr-3578	212	21	to	to	ADP
fsr-3578	212	22	a	a	DET
fsr-3578	212	23	respondent	respondent	NOUN
fsr-3578	212	24	’s	’s	PART
fsr-3578	212	25	retirement	retirement	NOUN
fsr-3578	212	26	account	account	NOUN
fsr-3578	212	27	balance	balance	NOUN
fsr-3578	212	28	in	in	ADP
fsr-3578	212	29	the	the	DET
fsr-3578	212	30	shed	shed	ADJ
fsr-3578	212	31	analysis	analysis	NOUN
fsr-3578	212	32	or	or	CCONJ
fsr-3578	212	33	the	the	DET
fsr-3578	212	34	scf	scf	PROPN
fsr-3578	212	35	.	.	PUNCT
fsr-3578	213	1	rccd	rccd	PROPN
fsr-3578	213	2	was	be	AUX
fsr-3578	213	3	negatively	negatively	ADV
fsr-3578	213	4	related	relate	VERB
fsr-3578	213	5	to	to	ADP
fsr-3578	213	6	retirement	retirement	NOUN
fsr-3578	213	7	account	account	NOUN
fsr-3578	213	8	balances	balance	NOUN
fsr-3578	213	9	in	in	ADP
fsr-3578	213	10	the	the	DET
fsr-3578	213	11	shed	shed	ADJ
fsr-3578	213	12	and	and	CCONJ
fsr-3578	213	13	scf	scf	PROPN
fsr-3578	213	14	analyses	analysis	NOUN
fsr-3578	213	15	.	.	PUNCT
fsr-3578	214	1	aef	aef	PROPN
fsr-3578	214	2	was	be	AUX
fsr-3578	214	3	negatively	negatively	ADV
fsr-3578	214	4	associated	associate	VERB
fsr-3578	214	5	with	with	ADP
fsr-3578	214	6	retirement	retirement	NOUN
fsr-3578	214	7	account	account	NOUN
fsr-3578	214	8	balances	balance	NOUN
fsr-3578	214	9	in	in	ADP
fsr-3578	214	10	both	both	CCONJ
fsr-3578	214	11	the	the	DET
fsr-3578	214	12	shed	shed	ADJ
fsr-3578	214	13	and	and	CCONJ
fsr-3578	214	14	scf	scf	PROPN
fsr-3578	214	15	analyses	analysis	NOUN
fsr-3578	214	16	.	.	PUNCT
fsr-3578	215	1	once	once	ADV
fsr-3578	215	2	again	again	ADV
fsr-3578	215	3	,	,	PUNCT
fsr-3578	215	4	h1	h1	PROPN
fsr-3578	215	5	was	be	AUX
fsr-3578	215	6	only	only	ADV
fsr-3578	215	7	partially	partially	ADV
fsr-3578	215	8	supported	support	VERB
fsr-3578	215	9	.	.	PUNCT
fsr-3578	216	1	perceived	perceive	VERB
fsr-3578	216	2	retirement	retirement	NOUN
fsr-3578	216	3	preparation	preparation	NOUN
fsr-3578	216	4	overspending	overspending	NOUN
fsr-3578	216	5	,	,	PUNCT
fsr-3578	216	6	as	as	SCONJ
fsr-3578	216	7	measured	measure	VERB
fsr-3578	216	8	by	by	ADP
fsr-3578	216	9	smti	smti	PROPN
fsr-3578	216	10	and	and	CCONJ
fsr-3578	216	11	credit	credit	NOUN
fsr-3578	216	12	card	card	NOUN
fsr-3578	216	13	revolving	revolving	NOUN
fsr-3578	216	14	,	,	PUNCT
fsr-3578	216	15	was	be	AUX
fsr-3578	216	16	found	find	VERB
fsr-3578	216	17	to	to	PART
fsr-3578	216	18	have	have	VERB
fsr-3578	216	19	a	a	DET
fsr-3578	216	20	significant	significant	ADJ
fsr-3578	216	21	negative	negative	ADJ
fsr-3578	216	22	relationship	relationship	NOUN
fsr-3578	216	23	with	with	ADP
fsr-3578	216	24	perceived	perceive	VERB
fsr-3578	216	25	retirement	retirement	NOUN
fsr-3578	216	26	preparation	preparation	NOUN
fsr-3578	216	27	in	in	ADP
fsr-3578	216	28	the	the	DET
fsr-3578	216	29	shed	shed	ADJ
fsr-3578	216	30	and	and	CCONJ
fsr-3578	216	31	scf	scf	PROPN
fsr-3578	216	32	analyses	analysis	NOUN
fsr-3578	216	33	,	,	PUNCT
fsr-3578	216	34	but	but	CCONJ
fsr-3578	216	35	not	not	PART
fsr-3578	216	36	the	the	DET
fsr-3578	216	37	nfcs	nfcs	ADJ
fsr-3578	216	38	analysis	analysis	NOUN
fsr-3578	216	39	.	.	PUNCT
fsr-3578	217	1	overspending	overspending	NOUN
fsr-3578	217	2	,	,	PUNCT
fsr-3578	217	3	as	as	SCONJ
fsr-3578	217	4	measured	measure	VERB
fsr-3578	217	5	by	by	ADP
fsr-3578	217	6	afs	afs	NOUN
fsr-3578	217	7	usage	usage	NOUN
fsr-3578	217	8	,	,	PUNCT
fsr-3578	217	9	was	be	AUX
fsr-3578	217	10	negatively	negatively	ADV
fsr-3578	217	11	associated	associate	VERB
fsr-3578	217	12	with	with	ADP
fsr-3578	217	13	perceived	perceive	VERB
fsr-3578	217	14	retirement	retirement	NOUN
fsr-3578	217	15	preparation	preparation	NOUN
fsr-3578	217	16	in	in	ADP
fsr-3578	217	17	the	the	DET
fsr-3578	217	18	scf	scf	PROPN
fsr-3578	217	19	and	and	CCONJ
fsr-3578	217	20	nfcs	nfc	NOUN
fsr-3578	217	21	analyses	analysis	NOUN
fsr-3578	217	22	,	,	PUNCT
fsr-3578	217	23	but	but	CCONJ
fsr-3578	217	24	not	not	PART
fsr-3578	217	25	the	the	DET
fsr-3578	217	26	shed	shed	ADJ
fsr-3578	217	27	analysis	analysis	NOUN
fsr-3578	217	28	.	.	PUNCT
fsr-3578	218	1	overspending	overspending	NOUN
fsr-3578	218	2	,	,	PUNCT
fsr-3578	218	3	as	as	SCONJ
fsr-3578	218	4	measured	measure	VERB
fsr-3578	218	5	by	by	ADP
fsr-3578	218	6	aef	aef	PROPN
fsr-3578	218	7	,	,	PUNCT
fsr-3578	218	8	was	be	AUX
fsr-3578	218	9	negatively	negatively	ADV
fsr-3578	218	10	related	relate	VERB
fsr-3578	218	11	to	to	ADP
fsr-3578	218	12	perceived	perceive	VERB
fsr-3578	218	13	retirement	retirement	NOUN
fsr-3578	218	14	preparation	preparation	NOUN
fsr-3578	218	15	in	in	ADP
fsr-3578	218	16	both	both	CCONJ
fsr-3578	218	17	the	the	DET
fsr-3578	218	18	shed	shed	ADJ
fsr-3578	218	19	and	and	CCONJ
fsr-3578	218	20	scf	scf	PROPN
fsr-3578	218	21	analyses	analysis	NOUN
fsr-3578	218	22	,	,	PUNCT
fsr-3578	218	23	but	but	CCONJ
fsr-3578	218	24	not	not	PART
fsr-3578	218	25	the	the	DET
fsr-3578	218	26	nfcs	nfcs	ADJ
fsr-3578	218	27	analysis	analysis	NOUN
fsr-3578	218	28	.	.	PUNCT
fsr-3578	219	1	because	because	SCONJ
fsr-3578	219	2	some	some	PRON
fsr-3578	219	3	,	,	PUNCT
fsr-3578	219	4	but	but	CCONJ
fsr-3578	219	5	not	not	PART
fsr-3578	219	6	all	all	PRON
fsr-3578	219	7	,	,	PUNCT
fsr-3578	219	8	overspending	overspending	NOUN
fsr-3578	219	9	showed	show	VERB
fsr-3578	219	10	a	a	DET
fsr-3578	219	11	significant	significant	ADJ
fsr-3578	219	12	negative	negative	ADJ
fsr-3578	219	13	relationship	relationship	NOUN
fsr-3578	219	14	with	with	ADP
fsr-3578	219	15	perceived	perceive	VERB
fsr-3578	219	16	retirement	retirement	NOUN
fsr-3578	219	17	preparation	preparation	NOUN
fsr-3578	219	18	,	,	PUNCT
fsr-3578	219	19	h1	h1	PROPN
fsr-3578	219	20	could	could	AUX
fsr-3578	219	21	only	only	ADV
fsr-3578	219	22	be	be	AUX
fsr-3578	219	23	partially	partially	ADV
fsr-3578	219	24	supported.8	supported.8	PROPN
fsr-3578	219	25	implications	implication	NOUN
fsr-3578	219	26	borrowing	borrow	VERB
fsr-3578	219	27	using	use	VERB
fsr-3578	219	28	credit	credit	NOUN
fsr-3578	219	29	cards	card	NOUN
fsr-3578	219	30	is	be	AUX
fsr-3578	219	31	incredibly	incredibly	ADV
fsr-3578	219	32	easy	easy	ADJ
fsr-3578	219	33	for	for	ADP
fsr-3578	219	34	the	the	DET
fsr-3578	219	35	average	average	ADJ
fsr-3578	219	36	consumer	consumer	NOUN
fsr-3578	219	37	,	,	PUNCT
fsr-3578	219	38	both	both	PRON
fsr-3578	219	39	for	for	ADP
fsr-3578	219	40	those	those	PRON
fsr-3578	219	41	who	who	PRON
fsr-3578	219	42	can	can	AUX
fsr-3578	219	43	afford	afford	VERB
fsr-3578	219	44	it	it	PRON
fsr-3578	219	45	and	and	CCONJ
fsr-3578	219	46	those	those	PRON
fsr-3578	219	47	who	who	PRON
fsr-3578	219	48	can	can	AUX
fsr-3578	219	49	not	not	PART
fsr-3578	219	50	.	.	PUNCT
fsr-3578	220	1	one	one	NUM
fsr-3578	220	2	policy	policy	NOUN
fsr-3578	220	3	implication	implication	NOUN
fsr-3578	220	4	is	be	AUX
fsr-3578	220	5	to	to	PART
fsr-3578	220	6	make	make	VERB
fsr-3578	220	7	it	it	PRON
fsr-3578	220	8	more	more	ADV
fsr-3578	220	9	challenging	challenging	ADJ
fsr-3578	220	10	to	to	PART
fsr-3578	220	11	qualify	qualify	VERB
fsr-3578	220	12	or	or	CCONJ
fsr-3578	220	13	transact	transact	VERB
fsr-3578	220	14	using	use	VERB
fsr-3578	220	15	consumer	consumer	NOUN
fsr-3578	220	16	credit	credit	NOUN
fsr-3578	220	17	(	(	PUNCT
fsr-3578	220	18	gärling	gärling	NOUN
fsr-3578	220	19	&	&	CCONJ
fsr-3578	220	20	ranyard	ranyard	NOUN
fsr-3578	220	21	,	,	PUNCT
fsr-3578	220	22	2020	2020	NUM
fsr-3578	220	23	)	)	PUNCT
fsr-3578	220	24	.	.	PUNCT
fsr-3578	221	1	for	for	ADP
fsr-3578	221	2	example	example	NOUN
fsr-3578	221	3	,	,	PUNCT
fsr-3578	221	4	lenders	lender	NOUN
fsr-3578	221	5	could	could	AUX
fsr-3578	221	6	fund	fund	VERB
fsr-3578	221	7	may	may	AUX
fsr-3578	221	8	seem	seem	VERB
fsr-3578	221	9	out	out	ADP
fsr-3578	221	10	of	of	ADP
fsr-3578	221	11	reach	reach	NOUN
fsr-3578	221	12	or	or	CCONJ
fsr-3578	221	13	not	not	PART
fsr-3578	221	14	necessary	necessary	ADJ
fsr-3578	221	15	for	for	ADP
fsr-3578	221	16	cash	cash	NOUN
fsr-3578	221	17	flow	flow	NOUN
fsr-3578	221	18	management	management	NOUN
fsr-3578	221	19	by	by	ADP
fsr-3578	221	20	some	some	PRON
fsr-3578	221	21	but	but	CCONJ
fsr-3578	221	22	does	do	AUX
fsr-3578	221	23	not	not	PART
fsr-3578	221	24	necessarily	necessarily	ADV
fsr-3578	221	25	mean	mean	VERB
fsr-3578	221	26	a	a	DET
fsr-3578	221	27	household	household	NOUN
fsr-3578	221	28	is	be	AUX
fsr-3578	221	29	not	not	PART
fsr-3578	221	30	preparing	prepare	VERB
fsr-3578	221	31	for	for	ADP
fsr-3578	221	32	retirement	retirement	NOUN
fsr-3578	221	33	.	.	PUNCT
fsr-3578	222	1	fifth	fifth	ADJ
fsr-3578	222	2	,	,	PUNCT
fsr-3578	222	3	overspending	overspending	NOUN
fsr-3578	222	4	could	could	AUX
fsr-3578	222	5	be	be	AUX
fsr-3578	222	6	occurring	occur	VERB
fsr-3578	222	7	simultaneously	simultaneously	ADV
fsr-3578	222	8	while	while	SCONJ
fsr-3578	222	9	preparing	prepare	VERB
fsr-3578	222	10	for	for	ADP
fsr-3578	222	11	retirement	retirement	NOUN
fsr-3578	222	12	.	.	PUNCT
fsr-3578	223	1	sixth	sixth	ADJ
fsr-3578	223	2	,	,	PUNCT
fsr-3578	223	3	automatic	automatic	ADJ
fsr-3578	223	4	enrollment	enrollment	NOUN
fsr-3578	223	5	and	and	CCONJ
fsr-3578	223	6	automatic	automatic	ADJ
fsr-3578	223	7	contribution	contribution	NOUN
fsr-3578	223	8	increases	increase	NOUN
fsr-3578	223	9	by	by	ADP
fsr-3578	223	10	employers	employer	NOUN
fsr-3578	223	11	could	could	AUX
fsr-3578	223	12	be	be	AUX
fsr-3578	223	13	the	the	DET
fsr-3578	223	14	cause	cause	NOUN
fsr-3578	223	15	of	of	ADP
fsr-3578	223	16	a	a	DET
fsr-3578	223	17	significant	significant	ADJ
fsr-3578	223	18	negative	negative	ADJ
fsr-3578	223	19	relationship	relationship	NOUN
fsr-3578	223	20	between	between	ADP
fsr-3578	223	21	overspending	overspending	NOUN
fsr-3578	223	22	and	and	CCONJ
fsr-3578	223	23	retirement	retirement	NOUN
fsr-3578	223	24	preparation	preparation	NOUN
fsr-3578	223	25	where	where	SCONJ
fsr-3578	223	26	the	the	DET
fsr-3578	223	27	employer	employer	NOUN
fsr-3578	223	28	,	,	PUNCT
fsr-3578	223	29	rather	rather	ADV
fsr-3578	223	30	than	than	ADP
fsr-3578	223	31	the	the	DET
fsr-3578	223	32	respondent	respondent	NOUN
fsr-3578	223	33	,	,	PUNCT
fsr-3578	223	34	is	be	AUX
fsr-3578	223	35	responsible	responsible	ADJ
fsr-3578	223	36	for	for	ADP
fsr-3578	223	37	the	the	DET
fsr-3578	223	38	respondent	respondent	NOUN
fsr-3578	223	39	’s	’s	PART
fsr-3578	223	40	retirement	retirement	NOUN
fsr-3578	223	41	preparation	preparation	NOUN
fsr-3578	223	42	behavior	behavior	NOUN
fsr-3578	223	43	.	.	PUNCT
fsr-3578	224	1	in	in	ADP
fsr-3578	224	2	sum	sum	NOUN
fsr-3578	224	3	,	,	PUNCT
fsr-3578	224	4	the	the	DET
fsr-3578	224	5	analyses	analysis	NOUN
fsr-3578	224	6	may	may	AUX
fsr-3578	224	7	reveal	reveal	VERB
fsr-3578	224	8	a	a	DET
fsr-3578	224	9	new	new	ADJ
fsr-3578	224	10	normal	normal	ADJ
fsr-3578	224	11	where	where	SCONJ
fsr-3578	224	12	overspending	overspending	NOUN
fsr-3578	224	13	does	do	AUX
fsr-3578	224	14	not	not	PART
fsr-3578	224	15	necessarily	necessarily	ADV
fsr-3578	224	16	reflect	reflect	VERB
fsr-3578	224	17	a	a	DET
fsr-3578	224	18	respondent	respondent	NOUN
fsr-3578	224	19	’s	’s	PART
fsr-3578	224	20	retirement	retirement	NOUN
fsr-3578	224	21	preparation	preparation	NOUN
fsr-3578	224	22	behavior	behavior	NOUN
fsr-3578	224	23	.	.	PUNCT
fsr-3578	225	1	financial	financial	ADJ
fsr-3578	225	2	services	service	NOUN
fsr-3578	225	3	review	review	PROPN
fsr-3578	225	4	,	,	PUNCT
fsr-3578	225	5	33(1	33(1	NUM
fsr-3578	225	6	)	)	PUNCT
fsr-3578	225	7	196	196	NUM
fsr-3578	225	8	require	require	NOUN
fsr-3578	225	9	setting	set	VERB
fsr-3578	225	10	credit	credit	NOUN
fsr-3578	225	11	limits	limit	NOUN
fsr-3578	225	12	with	with	ADP
fsr-3578	225	13	reference	reference	NOUN
fsr-3578	225	14	to	to	ADP
fsr-3578	225	15	a	a	DET
fsr-3578	225	16	client	client	NOUN
fsr-3578	225	17	’s	’s	PART
fsr-3578	225	18	respective	respective	ADJ
fsr-3578	225	19	affordability	affordability	NOUN
fsr-3578	225	20	level	level	NOUN
fsr-3578	225	21	or	or	CCONJ
fsr-3578	225	22	limit	limit	VERB
fsr-3578	225	23	the	the	DET
fsr-3578	225	24	number	number	NOUN
fsr-3578	225	25	of	of	ADP
fsr-3578	225	26	credit	credit	NOUN
fsr-3578	225	27	cards	card	NOUN
fsr-3578	225	28	that	that	PRON
fsr-3578	225	29	may	may	AUX
fsr-3578	225	30	be	be	AUX
fsr-3578	225	31	issued	issue	VERB
fsr-3578	225	32	to	to	ADP
fsr-3578	225	33	an	an	DET
fsr-3578	225	34	individual	individual	NOUN
fsr-3578	225	35	(	(	PUNCT
fsr-3578	225	36	gärling	gärling	NOUN
fsr-3578	225	37	&	&	CCONJ
fsr-3578	225	38	ranyard	ranyard	NOUN
fsr-3578	225	39	,	,	PUNCT
fsr-3578	225	40	2020	2020	NUM
fsr-3578	225	41	)	)	PUNCT
fsr-3578	225	42	.	.	PUNCT
fsr-3578	226	1	because	because	SCONJ
fsr-3578	226	2	credit	credit	NOUN
fsr-3578	226	3	limits	limit	NOUN
fsr-3578	226	4	and	and	CCONJ
fsr-3578	226	5	minimum	minimum	NOUN
fsr-3578	226	6	payments	payment	NOUN
fsr-3578	226	7	have	have	AUX
fsr-3578	226	8	been	be	AUX
fsr-3578	226	9	found	find	VERB
fsr-3578	226	10	to	to	PART
fsr-3578	226	11	unintentionally	unintentionally	ADV
fsr-3578	226	12	act	act	VERB
fsr-3578	226	13	as	as	ADP
fsr-3578	226	14	anchor	anchor	NOUN
fsr-3578	226	15	points	point	NOUN
fsr-3578	226	16	(	(	PUNCT
fsr-3578	226	17	gärling	gärling	NOUN
fsr-3578	226	18	&	&	CCONJ
fsr-3578	226	19	ranyard	ranyard	NOUN
fsr-3578	226	20	,	,	PUNCT
fsr-3578	226	21	2020	2020	NUM
fsr-3578	226	22	;	;	PUNCT
fsr-3578	226	23	tescher	tescher	NOUN
fsr-3578	226	24	and	and	CCONJ
fsr-3578	226	25	stone	stone	NOUN
fsr-3578	226	26	,	,	PUNCT
fsr-3578	226	27	2022	2022	NUM
fsr-3578	226	28	)	)	PUNCT
fsr-3578	226	29	,	,	PUNCT
fsr-3578	226	30	tightening	tighten	VERB
fsr-3578	226	31	the	the	DET
fsr-3578	226	32	minimum	minimum	ADJ
fsr-3578	226	33	payment	payment	NOUN
fsr-3578	226	34	due	due	ADJ
fsr-3578	226	35	formula	formula	NOUN
fsr-3578	226	36	could	could	AUX
fsr-3578	226	37	potentially	potentially	ADV
fsr-3578	226	38	help	help	VERB
fsr-3578	226	39	households	household	NOUN
fsr-3578	226	40	get	get	VERB
fsr-3578	226	41	out	out	ADP
fsr-3578	226	42	of	of	ADP
fsr-3578	226	43	credit	credit	NOUN
fsr-3578	226	44	card	card	NOUN
fsr-3578	226	45	debt	debt	NOUN
fsr-3578	226	46	faster	fast	ADV
fsr-3578	226	47	than	than	ADP
fsr-3578	226	48	current	current	ADJ
fsr-3578	226	49	standards	standard	NOUN
fsr-3578	226	50	(	(	PUNCT
fsr-3578	226	51	tescher	tescher	NOUN
fsr-3578	226	52	&	&	CCONJ
fsr-3578	226	53	stone	stone	NOUN
fsr-3578	226	54	,	,	PUNCT
fsr-3578	226	55	2022	2022	NUM
fsr-3578	226	56	)	)	PUNCT
fsr-3578	226	57	.	.	PUNCT
fsr-3578	227	1	an	an	DET
fsr-3578	227	2	industry	industry	NOUN
fsr-3578	227	3	implication	implication	NOUN
fsr-3578	227	4	to	to	PART
fsr-3578	227	5	help	help	VERB
fsr-3578	227	6	promote	promote	VERB
fsr-3578	227	7	the	the	DET
fsr-3578	227	8	use	use	NOUN
fsr-3578	227	9	of	of	ADP
fsr-3578	227	10	emergency	emergency	NOUN
fsr-3578	227	11	funds	fund	NOUN
fsr-3578	227	12	is	be	AUX
fsr-3578	227	13	to	to	PART
fsr-3578	227	14	implement	implement	VERB
fsr-3578	227	15	the	the	DET
fsr-3578	227	16	automatic	automatic	ADJ
fsr-3578	227	17	enrollment	enrollment	NOUN
fsr-3578	227	18	of	of	ADP
fsr-3578	227	19	employees	employee	NOUN
fsr-3578	227	20	in	in	ADP
fsr-3578	227	21	savings	saving	NOUN
fsr-3578	227	22	accounts	account	NOUN
fsr-3578	227	23	linked	link	VERB
fsr-3578	227	24	to	to	ADP
fsr-3578	227	25	their	their	PRON
fsr-3578	227	26	401(k)s	401(k)s	NOUN
fsr-3578	227	27	,	,	PUNCT
fsr-3578	227	28	which	which	PRON
fsr-3578	227	29	may	may	AUX
fsr-3578	227	30	potentially	potentially	ADV
fsr-3578	227	31	be	be	AUX
fsr-3578	227	32	matched	match	VERB
fsr-3578	227	33	by	by	ADP
fsr-3578	227	34	employers	employer	NOUN
fsr-3578	227	35	.	.	PUNCT
fsr-3578	228	1	this	this	PRON
fsr-3578	228	2	is	be	AUX
fsr-3578	228	3	now	now	ADV
fsr-3578	228	4	possible	possible	ADJ
fsr-3578	228	5	due	due	ADP
fsr-3578	228	6	to	to	ADP
fsr-3578	228	7	the	the	DET
fsr-3578	228	8	recent	recent	ADJ
fsr-3578	228	9	passing	passing	NOUN
fsr-3578	228	10	of	of	ADP
fsr-3578	228	11	the	the	DET
fsr-3578	228	12	secure	secure	ADJ
fsr-3578	228	13	act	act	NOUN
fsr-3578	228	14	2.0	2.0	NUM
fsr-3578	228	15	(	(	PUNCT
fsr-3578	228	16	senate	senate	PROPN
fsr-3578	228	17	finance	finance	PROPN
fsr-3578	228	18	committee	committee	NOUN
fsr-3578	228	19	,	,	PUNCT
fsr-3578	228	20	2022	2022	NUM
fsr-3578	228	21	)	)	PUNCT
fsr-3578	228	22	.	.	PUNCT
fsr-3578	229	1	studies	study	NOUN
fsr-3578	229	2	have	have	AUX
fsr-3578	229	3	shown	show	VERB
fsr-3578	229	4	that	that	SCONJ
fsr-3578	229	5	automatic	automatic	ADJ
fsr-3578	229	6	enrollment	enrollment	NOUN
fsr-3578	229	7	increases	increase	VERB
fsr-3578	229	8	participation	participation	NOUN
fsr-3578	229	9	rates	rate	NOUN
fsr-3578	229	10	(	(	PUNCT
fsr-3578	229	11	see	see	VERB
fsr-3578	229	12	beshears	beshear	NOUN
fsr-3578	229	13	et	et	PROPN
fsr-3578	229	14	al	al	PROPN
fsr-3578	229	15	.	.	PROPN
fsr-3578	229	16	,	,	PUNCT
fsr-3578	229	17	2010	2010	NUM
fsr-3578	229	18	)	)	PUNCT
fsr-3578	229	19	.	.	PUNCT
fsr-3578	230	1	advisors	advisor	NOUN
fsr-3578	230	2	can	can	AUX
fsr-3578	230	3	also	also	ADV
fsr-3578	230	4	make	make	VERB
fsr-3578	230	5	clients	client	NOUN
fsr-3578	230	6	aware	aware	ADJ
fsr-3578	230	7	of	of	ADP
fsr-3578	230	8	this	this	DET
fsr-3578	230	9	new	new	ADJ
fsr-3578	230	10	opportunity	opportunity	NOUN
fsr-3578	230	11	.	.	PUNCT
fsr-3578	231	1	client	client	NOUN
fsr-3578	231	2	overspending	overspending	NOUN
fsr-3578	231	3	behavior	behavior	NOUN
fsr-3578	231	4	is	be	AUX
fsr-3578	231	5	an	an	DET
fsr-3578	231	6	occasional	occasional	ADJ
fsr-3578	231	7	obstacle	obstacle	NOUN
fsr-3578	231	8	advisors	advisor	NOUN
fsr-3578	231	9	face	face	VERB
fsr-3578	231	10	.	.	PUNCT
fsr-3578	232	1	despite	despite	SCONJ
fsr-3578	232	2	a	a	DET
fsr-3578	232	3	financial	financial	ADJ
fsr-3578	232	4	planner	planner	NOUN
fsr-3578	232	5	’s	’s	PART
fsr-3578	232	6	best	good	ADJ
fsr-3578	232	7	efforts	effort	NOUN
fsr-3578	232	8	,	,	PUNCT
fsr-3578	232	9	it	it	PRON
fsr-3578	232	10	can	can	AUX
fsr-3578	232	11	seem	seem	VERB
fsr-3578	232	12	like	like	SCONJ
fsr-3578	232	13	some	some	DET
fsr-3578	232	14	clients	client	NOUN
fsr-3578	232	15	at	at	ADP
fsr-3578	232	16	risk	risk	NOUN
fsr-3578	232	17	of	of	ADP
fsr-3578	232	18	running	run	VERB
fsr-3578	232	19	out	out	ADP
fsr-3578	232	20	of	of	ADP
fsr-3578	232	21	money	money	NOUN
fsr-3578	232	22	fail	fail	VERB
fsr-3578	232	23	to	to	PART
fsr-3578	232	24	realize	realize	VERB
fsr-3578	232	25	the	the	DET
fsr-3578	232	26	consequences	consequence	NOUN
fsr-3578	232	27	of	of	ADP
fsr-3578	232	28	overspending	overspending	NOUN
fsr-3578	232	29	.	.	PUNCT
fsr-3578	233	1	one	one	NUM
fsr-3578	233	2	way	way	NOUN
fsr-3578	233	3	to	to	PART
fsr-3578	233	4	indirectly	indirectly	ADV
fsr-3578	233	5	assist	assist	VERB
fsr-3578	233	6	individuals	individual	NOUN
fsr-3578	233	7	who	who	PRON
fsr-3578	233	8	overspend	overspend	VERB
fsr-3578	233	9	is	be	AUX
fsr-3578	233	10	to	to	PART
fsr-3578	233	11	focus	focus	VERB
fsr-3578	233	12	on	on	ADP
fsr-3578	233	13	augmenting	augment	VERB
fsr-3578	233	14	self	self	NOUN
fsr-3578	233	15	-	-	PUNCT
fsr-3578	233	16	control	control	NOUN
fsr-3578	233	17	levels	level	NOUN
fsr-3578	233	18	,	,	PUNCT
fsr-3578	233	19	rather	rather	ADV
fsr-3578	233	20	than	than	ADP
fsr-3578	233	21	focusing	focus	VERB
fsr-3578	233	22	on	on	ADP
fsr-3578	233	23	cutting	cut	VERB
fsr-3578	233	24	back	back	ADP
fsr-3578	233	25	overspending	overspending	NOUN
fsr-3578	233	26	.	.	PUNCT
fsr-3578	234	1	this	this	PRON
fsr-3578	234	2	may	may	AUX
fsr-3578	234	3	be	be	AUX
fsr-3578	234	4	particularly	particularly	ADV
fsr-3578	234	5	impactful	impactful	ADJ
fsr-3578	234	6	in	in	ADP
fsr-3578	234	7	youth	youth	NOUN
fsr-3578	234	8	.	.	PUNCT
fsr-3578	235	1	at	at	ADP
fsr-3578	235	2	the	the	DET
fsr-3578	235	3	practitioner	practitioner	NOUN
fsr-3578	235	4	level	level	NOUN
fsr-3578	235	5	,	,	PUNCT
fsr-3578	235	6	as	as	ADP
fsr-3578	235	7	a	a	DET
fsr-3578	235	8	value	value	NOUN
fsr-3578	235	9	-	-	PUNCT
fsr-3578	235	10	add	add	VERB
fsr-3578	235	11	to	to	ADP
fsr-3578	235	12	clients	client	NOUN
fsr-3578	235	13	,	,	PUNCT
fsr-3578	235	14	advisors	advisor	NOUN
fsr-3578	235	15	could	could	AUX
fsr-3578	235	16	provide	provide	VERB
fsr-3578	235	17	clients	client	NOUN
fsr-3578	235	18	with	with	ADP
fsr-3578	235	19	young	young	ADJ
fsr-3578	235	20	children	child	NOUN
fsr-3578	235	21	or	or	CCONJ
fsr-3578	235	22	grandchildren	grandchild	NOUN
fsr-3578	235	23	educational	educational	ADJ
fsr-3578	235	24	games	game	NOUN
fsr-3578	235	25	or	or	CCONJ
fsr-3578	235	26	activities	activity	NOUN
fsr-3578	235	27	that	that	PRON
fsr-3578	235	28	teach	teach	VERB
fsr-3578	235	29	self	self	NOUN
fsr-3578	235	30	-	-	PUNCT
fsr-3578	235	31	control	control	NOUN
fsr-3578	235	32	in	in	ADP
fsr-3578	235	33	personal	personal	ADJ
fsr-3578	235	34	finances	finance	NOUN
fsr-3578	235	35	.	.	PUNCT
fsr-3578	236	1	one	one	NUM
fsr-3578	236	2	such	such	ADJ
fsr-3578	236	3	example	example	NOUN
fsr-3578	236	4	is	be	AUX
fsr-3578	236	5	the	the	DET
fsr-3578	236	6	cashflow	cashflow	ADJ
fsr-3578	236	7	®	®	NOUN
fsr-3578	236	8	game	game	NOUN
fsr-3578	236	9	.	.	PUNCT
fsr-3578	237	1	some	some	PRON
fsr-3578	237	2	have	have	AUX
fsr-3578	237	3	suggested	suggest	VERB
fsr-3578	237	4	that	that	SCONJ
fsr-3578	237	5	potential	potential	ADJ
fsr-3578	237	6	life	life	NOUN
fsr-3578	237	7	hacks	hack	NOUN
fsr-3578	237	8	may	may	AUX
fsr-3578	237	9	help	help	VERB
fsr-3578	237	10	increase	increase	VERB
fsr-3578	237	11	levels	level	NOUN
fsr-3578	237	12	of	of	ADP
fsr-3578	237	13	self	self	NOUN
fsr-3578	237	14	-	-	PUNCT
fsr-3578	237	15	control	control	NOUN
fsr-3578	237	16	when	when	SCONJ
fsr-3578	237	17	it	it	PRON
fsr-3578	237	18	comes	come	VERB
fsr-3578	237	19	to	to	ADP
fsr-3578	237	20	overspending	overspending	NOUN
fsr-3578	237	21	.	.	PUNCT
fsr-3578	238	1	gärling	gärling	NOUN
fsr-3578	238	2	and	and	CCONJ
fsr-3578	238	3	ranyard	ranyard	NOUN
fsr-3578	238	4	(	(	PUNCT
fsr-3578	238	5	2020	2020	NUM
fsr-3578	238	6	)	)	PUNCT
fsr-3578	238	7	highlighted	highlight	VERB
fsr-3578	238	8	techniques	technique	NOUN
fsr-3578	238	9	originally	originally	ADV
fsr-3578	238	10	tested	test	VERB
fsr-3578	238	11	by	by	ADP
fsr-3578	238	12	karlsson	karlsson	PROPN
fsr-3578	238	13	(	(	PUNCT
fsr-3578	238	14	2003	2003	NUM
fsr-3578	238	15	)	)	PUNCT
fsr-3578	238	16	as	as	ADP
fsr-3578	238	17	plausible	plausible	ADJ
fsr-3578	238	18	modern	modern	ADJ
fsr-3578	238	19	solutions	solution	NOUN
fsr-3578	238	20	to	to	PART
fsr-3578	238	21	help	help	VERB
fsr-3578	238	22	bolster	bolster	VERB
fsr-3578	238	23	selfcontrol	selfcontrol	NOUN
fsr-3578	238	24	and	and	CCONJ
fsr-3578	238	25	thereby	thereby	ADV
fsr-3578	238	26	curbing	curb	VERB
fsr-3578	238	27	overspending	overspending	NOUN
fsr-3578	238	28	.	.	PUNCT
fsr-3578	239	1	additionally	additionally	ADV
fsr-3578	239	2	,	,	PUNCT
fsr-3578	239	3	financial	financial	ADJ
fsr-3578	239	4	practitioners	practitioner	NOUN
fsr-3578	239	5	could	could	AUX
fsr-3578	239	6	coach	coach	VERB
fsr-3578	239	7	their	their	PRON
fsr-3578	239	8	clients	client	NOUN
fsr-3578	239	9	to	to	PART
fsr-3578	239	10	limit	limit	VERB
fsr-3578	239	11	themselves	themselves	PRON
fsr-3578	239	12	to	to	ADP
fsr-3578	239	13	owning	own	VERB
fsr-3578	239	14	only	only	ADV
fsr-3578	239	15	one	one	NUM
fsr-3578	239	16	credit	credit	NOUN
fsr-3578	239	17	card	card	NOUN
fsr-3578	239	18	,	,	PUNCT
fsr-3578	239	19	rather	rather	ADV
fsr-3578	239	20	than	than	ADP
fsr-3578	239	21	multiple	multiple	ADJ
fsr-3578	239	22	credit	credit	NOUN
fsr-3578	239	23	cards	card	NOUN
fsr-3578	239	24	,	,	PUNCT
fsr-3578	239	25	to	to	PART
fsr-3578	239	26	simplify	simplify	VERB
fsr-3578	239	27	financial	financial	ADJ
fsr-3578	239	28	decisions	decision	NOUN
fsr-3578	239	29	where	where	SCONJ
fsr-3578	239	30	borrowers	borrower	NOUN
fsr-3578	239	31	often	often	ADV
fsr-3578	239	32	make	make	VERB
fsr-3578	239	33	mistakes	mistake	NOUN
fsr-3578	239	34	(	(	PUNCT
fsr-3578	239	35	gärling	gärling	NOUN
fsr-3578	239	36	&	&	CCONJ
fsr-3578	239	37	ranyard	ranyard	NOUN
fsr-3578	239	38	,	,	PUNCT
fsr-3578	239	39	2020	2020	NUM
fsr-3578	239	40	)	)	PUNCT
fsr-3578	239	41	.	.	PUNCT
fsr-3578	240	1	alternatively	alternatively	ADV
fsr-3578	240	2	,	,	PUNCT
fsr-3578	240	3	budgeting	budgeting	NOUN
fsr-3578	240	4	could	could	AUX
fsr-3578	240	5	be	be	AUX
fsr-3578	240	6	promoted	promote	VERB
fsr-3578	240	7	as	as	ADP
fsr-3578	240	8	a	a	DET
fsr-3578	240	9	tool	tool	NOUN
fsr-3578	240	10	to	to	PART
fsr-3578	240	11	help	help	VERB
fsr-3578	240	12	prevent	prevent	VERB
fsr-3578	240	13	overspending	overspending	NOUN
fsr-3578	240	14	.	.	PUNCT
fsr-3578	241	1	simplistic	simplistic	ADJ
fsr-3578	241	2	budgeting	budgeting	NOUN
fsr-3578	241	3	techniques	technique	NOUN
fsr-3578	241	4	should	should	AUX
fsr-3578	241	5	be	be	AUX
fsr-3578	241	6	promoted	promote	VERB
fsr-3578	241	7	over	over	ADP
fsr-3578	241	8	complex	complex	ADJ
fsr-3578	241	9	ones	one	NOUN
fsr-3578	241	10	(	(	PUNCT
fsr-3578	241	11	kim	kim	PROPN
fsr-3578	241	12	&	&	CCONJ
fsr-3578	241	13	choi	choi	PROPN
fsr-3578	241	14	,	,	PUNCT
fsr-3578	241	15	2018	2018	NUM
fsr-3578	241	16	)	)	PUNCT
fsr-3578	241	17	,	,	PUNCT
fsr-3578	241	18	such	such	ADJ
fsr-3578	241	19	as	as	ADP
fsr-3578	241	20	minimizing	minimize	VERB
fsr-3578	241	21	the	the	DET
fsr-3578	241	22	number	number	NOUN
fsr-3578	241	23	of	of	ADP
fsr-3578	241	24	categories	category	NOUN
fsr-3578	241	25	withing	withe	VERB
fsr-3578	241	26	a	a	DET
fsr-3578	241	27	budget	budget	NOUN
fsr-3578	241	28	(	(	PUNCT
fsr-3578	241	29	kim	kim	PROPN
fsr-3578	241	30	,	,	PUNCT
fsr-3578	241	31	2022	2022	NUM
fsr-3578	241	32	)	)	PUNCT
fsr-3578	241	33	.	.	PUNCT
fsr-3578	242	1	budgeting	budget	VERB
fsr-3578	242	2	using	use	VERB
fsr-3578	242	3	mental	mental	ADJ
fsr-3578	242	4	accounting	accounting	NOUN
fsr-3578	242	5	could	could	AUX
fsr-3578	242	6	also	also	ADV
fsr-3578	242	7	be	be	AUX
fsr-3578	242	8	encouraged	encourage	VERB
fsr-3578	242	9	,	,	PUNCT
fsr-3578	242	10	as	as	SCONJ
fsr-3578	242	11	researchers	researcher	NOUN
fsr-3578	242	12	have	have	AUX
fsr-3578	242	13	found	find	VERB
fsr-3578	242	14	it	it	PRON
fsr-3578	242	15	may	may	AUX
fsr-3578	242	16	help	help	VERB
fsr-3578	242	17	improve	improve	VERB
fsr-3578	242	18	savings	saving	NOUN
fsr-3578	242	19	and	and	CCONJ
fsr-3578	242	20	consumption	consumption	NOUN
fsr-3578	242	21	decisions	decision	NOUN
fsr-3578	242	22	(	(	PUNCT
fsr-3578	242	23	sui	sui	X
fsr-3578	242	24	et	et	PROPN
fsr-3578	242	25	al	al	PROPN
fsr-3578	242	26	.	.	PROPN
fsr-3578	242	27	,	,	PUNCT
fsr-3578	242	28	2021	2021	NUM
fsr-3578	242	29	;	;	PUNCT
fsr-3578	242	30	xiao	xiao	PROPN
fsr-3578	242	31	&	&	CCONJ
fsr-3578	242	32	o’neill	o’neill	PROPN
fsr-3578	242	33	,	,	PUNCT
fsr-3578	242	34	2018	2018	NUM
fsr-3578	242	35	)	)	PUNCT
fsr-3578	242	36	.	.	PUNCT
fsr-3578	243	1	xiao	xiao	PROPN
fsr-3578	243	2	and	and	CCONJ
fsr-3578	243	3	o’neil	o’neil	PROPN
fsr-3578	243	4	(	(	PUNCT
fsr-3578	243	5	2018	2018	NUM
fsr-3578	243	6	)	)	PUNCT
fsr-3578	243	7	also	also	ADV
fsr-3578	243	8	made	make	VERB
fsr-3578	243	9	the	the	DET
fsr-3578	243	10	point	point	NOUN
fsr-3578	243	11	that	that	PRON
fsr-3578	243	12	simply	simply	ADV
fsr-3578	243	13	suggesting	suggest	VERB
fsr-3578	243	14	the	the	DET
fsr-3578	243	15	practice	practice	NOUN
fsr-3578	243	16	of	of	ADP
fsr-3578	243	17	budgeting	budgeting	NOUN
fsr-3578	243	18	is	be	AUX
fsr-3578	243	19	not	not	PART
fsr-3578	243	20	enough	enough	ADJ
fsr-3578	243	21	,	,	PUNCT
fsr-3578	243	22	because	because	SCONJ
fsr-3578	243	23	households	household	NOUN
fsr-3578	243	24	may	may	AUX
fsr-3578	243	25	not	not	PART
fsr-3578	243	26	know	know	VERB
fsr-3578	243	27	how	how	SCONJ
fsr-3578	243	28	to	to	PART
fsr-3578	243	29	do	do	VERB
fsr-3578	243	30	so	so	ADV
fsr-3578	243	31	.	.	PUNCT
fsr-3578	244	1	households	household	NOUN
fsr-3578	244	2	would	would	AUX
fsr-3578	244	3	benefit	benefit	VERB
fsr-3578	244	4	from	from	ADP
fsr-3578	244	5	advisors	advisor	NOUN
fsr-3578	244	6	teaching	teach	VERB
fsr-3578	244	7	them	they	PRON
fsr-3578	244	8	budgeting	budget	VERB
fsr-3578	244	9	techniques	technique	NOUN
fsr-3578	244	10	and	and	CCONJ
fsr-3578	244	11	being	be	AUX
fsr-3578	244	12	shown	show	VERB
fsr-3578	244	13	projections	projection	NOUN
fsr-3578	244	14	of	of	ADP
fsr-3578	244	15	the	the	DET
fsr-3578	244	16	hypothetical	hypothetical	ADJ
fsr-3578	244	17	impact	impact	NOUN
fsr-3578	244	18	of	of	ADP
fsr-3578	244	19	prioritizing	prioritize	VERB
fsr-3578	244	20	savings	saving	NOUN
fsr-3578	244	21	in	in	ADP
fsr-3578	244	22	the	the	DET
fsr-3578	244	23	budget	budget	NOUN
fsr-3578	244	24	.	.	PUNCT
fsr-3578	245	1	another	another	DET
fsr-3578	245	2	practitioner	practitioner	NOUN
fsr-3578	245	3	implication	implication	NOUN
fsr-3578	245	4	is	be	AUX
fsr-3578	245	5	to	to	PART
fsr-3578	245	6	ensure	ensure	VERB
fsr-3578	245	7	that	that	SCONJ
fsr-3578	245	8	all	all	DET
fsr-3578	245	9	clients	client	NOUN
fsr-3578	245	10	receive	receive	VERB
fsr-3578	245	11	education	education	NOUN
fsr-3578	245	12	on	on	ADP
fsr-3578	245	13	overspending	overspending	NOUN
fsr-3578	245	14	.	.	PUNCT
fsr-3578	246	1	clients	client	NOUN
fsr-3578	246	2	may	may	AUX
fsr-3578	246	3	not	not	PART
fsr-3578	246	4	realize	realize	VERB
fsr-3578	246	5	that	that	SCONJ
fsr-3578	246	6	rccd	rccd	NOUN
fsr-3578	246	7	or	or	CCONJ
fsr-3578	246	8	aef	aef	PROPN
fsr-3578	246	9	is	be	AUX
fsr-3578	246	10	a	a	DET
fsr-3578	246	11	form	form	NOUN
fsr-3578	246	12	of	of	ADP
fsr-3578	246	13	overspending	overspending	NOUN
fsr-3578	246	14	.	.	PUNCT
fsr-3578	247	1	they	they	PRON
fsr-3578	247	2	may	may	AUX
fsr-3578	247	3	also	also	ADV
fsr-3578	247	4	not	not	PART
fsr-3578	247	5	realize	realize	VERB
fsr-3578	247	6	the	the	DET
fsr-3578	247	7	negative	negative	ADJ
fsr-3578	247	8	implications	implication	NOUN
fsr-3578	247	9	of	of	ADP
fsr-3578	247	10	afs	afs	NOUN
fsr-3578	247	11	usage	usage	NOUN
fsr-3578	247	12	or	or	CCONJ
fsr-3578	247	13	smti	smti	PROPN
fsr-3578	247	14	.	.	PUNCT
fsr-3578	248	1	advisors	advisor	NOUN
fsr-3578	248	2	should	should	AUX
fsr-3578	248	3	educate	educate	VERB
fsr-3578	248	4	clients	client	NOUN
fsr-3578	248	5	and	and	CCONJ
fsr-3578	248	6	prospects	prospect	NOUN
fsr-3578	248	7	regarding	regard	VERB
fsr-3578	248	8	the	the	DET
fsr-3578	248	9	financial	financial	ADJ
fsr-3578	248	10	dangers	danger	NOUN
fsr-3578	248	11	of	of	ADP
fsr-3578	248	12	normalizing	normalize	VERB
fsr-3578	248	13	overspending	overspending	NOUN
fsr-3578	248	14	.	.	PUNCT
fsr-3578	249	1	in	in	ADP
fsr-3578	249	2	this	this	DET
fsr-3578	249	3	regard	regard	NOUN
fsr-3578	249	4	,	,	PUNCT
fsr-3578	249	5	because	because	SCONJ
fsr-3578	249	6	overspending	overspending	NOUN
fsr-3578	249	7	may	may	AUX
fsr-3578	249	8	be	be	AUX
fsr-3578	249	9	a	a	DET
fsr-3578	249	10	manifestation	manifestation	NOUN
fsr-3578	249	11	of	of	ADP
fsr-3578	249	12	a	a	DET
fsr-3578	249	13	deeper	deep	ADJ
fsr-3578	249	14	psychological	psychological	ADJ
fsr-3578	249	15	issue	issue	NOUN
fsr-3578	249	16	,	,	PUNCT
fsr-3578	249	17	it	it	PRON
fsr-3578	249	18	is	be	AUX
fsr-3578	249	19	important	important	ADJ
fsr-3578	249	20	for	for	SCONJ
fsr-3578	249	21	advisors	advisor	NOUN
fsr-3578	249	22	to	to	PART
fsr-3578	249	23	be	be	AUX
fsr-3578	249	24	self	self	NOUN
fsr-3578	249	25	-	-	PUNCT
fsr-3578	249	26	aware	aware	ADJ
fsr-3578	249	27	of	of	ADP
fsr-3578	249	28	their	their	PRON
fsr-3578	249	29	own	own	ADJ
fsr-3578	249	30	limitations	limitation	NOUN
fsr-3578	249	31	in	in	ADP
fsr-3578	249	32	providing	provide	VERB
fsr-3578	249	33	help	help	NOUN
fsr-3578	249	34	(	(	PUNCT
fsr-3578	249	35	lutter	lutter	NOUN
fsr-3578	249	36	,	,	PUNCT
fsr-3578	249	37	2022	2022	NUM
fsr-3578	249	38	)	)	PUNCT
fsr-3578	249	39	.	.	PUNCT
fsr-3578	250	1	conclusion	conclusion	VERB
fsr-3578	250	2	the	the	DET
fsr-3578	250	3	results	result	NOUN
fsr-3578	250	4	from	from	ADP
fsr-3578	250	5	this	this	DET
fsr-3578	250	6	study	study	NOUN
fsr-3578	250	7	suggest	suggest	VERB
fsr-3578	250	8	that	that	SCONJ
fsr-3578	250	9	overspending	overspending	NOUN
fsr-3578	250	10	is	be	AUX
fsr-3578	250	11	negatively	negatively	ADV
fsr-3578	250	12	related	relate	VERB
fsr-3578	250	13	to	to	ADP
fsr-3578	250	14	retirement	retirement	NOUN
fsr-3578	250	15	preparation	preparation	NOUN
fsr-3578	250	16	.	.	PUNCT
fsr-3578	251	1	logically	logically	ADV
fsr-3578	251	2	,	,	PUNCT
fsr-3578	251	3	it	it	PRON
fsr-3578	251	4	seems	seem	VERB
fsr-3578	251	5	obvious	obvious	ADJ
fsr-3578	251	6	that	that	SCONJ
fsr-3578	251	7	overspending	overspending	NOUN
fsr-3578	251	8	should	should	AUX
fsr-3578	251	9	be	be	AUX
fsr-3578	251	10	negatively	negatively	ADV
fsr-3578	251	11	related	relate	VERB
fsr-3578	251	12	to	to	ADP
fsr-3578	251	13	retirement	retirement	NOUN
fsr-3578	251	14	preparation	preparation	NOUN
fsr-3578	251	15	.	.	PUNCT
fsr-3578	252	1	the	the	DET
fsr-3578	252	2	blch	blch	NOUN
fsr-3578	252	3	was	be	AUX
fsr-3578	252	4	found	find	VERB
fsr-3578	252	5	to	to	PART
fsr-3578	252	6	be	be	AUX
fsr-3578	252	7	a	a	DET
fsr-3578	252	8	valuable	valuable	ADJ
fsr-3578	252	9	theoretical	theoretical	ADJ
fsr-3578	252	10	framework	framework	NOUN
fsr-3578	252	11	for	for	ADP
fsr-3578	252	12	the	the	DET
fsr-3578	252	13	study	study	NOUN
fsr-3578	252	14	of	of	ADP
fsr-3578	252	15	the	the	DET
fsr-3578	252	16	relationship	relationship	NOUN
fsr-3578	252	17	between	between	ADP
fsr-3578	252	18	overspending	overspending	NOUN
fsr-3578	252	19	and	and	CCONJ
fsr-3578	252	20	retirement	retirement	NOUN
fsr-3578	252	21	preparation	preparation	NOUN
fsr-3578	252	22	.	.	PUNCT
fsr-3578	253	1	because	because	SCONJ
fsr-3578	253	2	the	the	DET
fsr-3578	253	3	overspending	overspending	NOUN
fsr-3578	253	4	measurements	measurement	NOUN
fsr-3578	253	5	were	be	AUX
fsr-3578	253	6	negatively	negatively	ADV
fsr-3578	253	7	related	relate	VERB
fsr-3578	253	8	to	to	ADP
fsr-3578	253	9	retirement	retirement	NOUN
fsr-3578	253	10	preparation	preparation	NOUN
fsr-3578	253	11	in	in	ADP
fsr-3578	253	12	a	a	DET
fsr-3578	253	13	little	little	ADJ
fsr-3578	253	14	over	over	ADP
fsr-3578	253	15	half	half	DET
fsr-3578	253	16	the	the	DET
fsr-3578	253	17	analyses	analysis	NOUN
fsr-3578	253	18	,	,	PUNCT
fsr-3578	253	19	it	it	PRON
fsr-3578	253	20	is	be	AUX
fsr-3578	253	21	possible	possible	ADJ
fsr-3578	253	22	that	that	SCONJ
fsr-3578	253	23	a	a	DET
fsr-3578	253	24	new	new	ADJ
fsr-3578	253	25	cultural	cultural	ADJ
fsr-3578	253	26	norm	norm	NOUN
fsr-3578	253	27	where	where	SCONJ
fsr-3578	253	28	one	one	NOUN
fsr-3578	253	29	’s	’s	PART
fsr-3578	253	30	overspending	overspend	VERB
fsr-3578	253	31	behavior	behavior	NOUN
fsr-3578	253	32	does	do	AUX
fsr-3578	253	33	not	not	PART
fsr-3578	253	34	necessarily	necessarily	ADV
fsr-3578	253	35	mean	mean	VERB
fsr-3578	253	36	that	that	SCONJ
fsr-3578	253	37	the	the	DET
fsr-3578	253	38	person	person	NOUN
fsr-3578	253	39	is	be	AUX
fsr-3578	253	40	not	not	PART
fsr-3578	253	41	also	also	ADV
fsr-3578	253	42	preparing	prepare	VERB
fsr-3578	253	43	for	for	ADP
fsr-3578	253	44	retirement	retirement	NOUN
fsr-3578	253	45	may	may	AUX
fsr-3578	253	46	be	be	AUX
fsr-3578	253	47	existence	existence	NOUN
fsr-3578	253	48	.	.	PUNCT
fsr-3578	254	1	this	this	DET
fsr-3578	254	2	possibility	possibility	NOUN
fsr-3578	254	3	is	be	AUX
fsr-3578	254	4	worthy	worthy	ADJ
fsr-3578	254	5	of	of	ADP
fsr-3578	254	6	future	future	ADJ
fsr-3578	254	7	study	study	NOUN
fsr-3578	254	8	.	.	PUNCT
fsr-3578	255	1	references	reference	NOUN
fsr-3578	255	2	achtziger	achtziger	ADV
fsr-3578	255	3	,	,	PUNCT
fsr-3578	255	4	a.	a.	NOUN
fsr-3578	255	5	(	(	PUNCT
fsr-3578	255	6	2022	2022	NUM
fsr-3578	255	7	)	)	PUNCT
fsr-3578	255	8	.	.	PUNCT
fsr-3578	256	1	overspending	overspending	NOUN
fsr-3578	256	2	,	,	PUNCT
fsr-3578	256	3	debt	debt	NOUN
fsr-3578	256	4	,	,	PUNCT
fsr-3578	256	5	and	and	CCONJ
fsr-3578	256	6	poverty	poverty	NOUN
fsr-3578	256	7	.	.	PUNCT
fsr-3578	257	1	current	current	ADJ
fsr-3578	257	2	opinion	opinion	NOUN
fsr-3578	257	3	in	in	ADP
fsr-3578	257	4	psychology	psychology	NOUN
fsr-3578	257	5	,	,	PUNCT
fsr-3578	257	6	46	46	NUM
fsr-3578	257	7	,	,	PUNCT
fsr-3578	257	8	101342	101342	NUM
fsr-3578	257	9	.	.	PUNCT
fsr-3578	258	1	lynn	lynn	PROPN
fsr-3578	258	2	et	et	PROPN
fsr-3578	258	3	al	al	PROPN
fsr-3578	258	4	.	.	PROPN
fsr-3578	258	5	197	197	NUM
fsr-3578	258	6	https://doi.org/10.1016/j.copsyc.2022.1013	https://doi.org/10.1016/j.copsyc.2022.1013	NOUN
fsr-3578	258	7	42	42	NUM
fsr-3578	258	8	adams	adam	NOUN
fsr-3578	258	9	,	,	PUNCT
fsr-3578	258	10	g.	g.	PROPN
fsr-3578	258	11	a.	a.	PROPN
fsr-3578	258	12	,	,	PUNCT
fsr-3578	258	13	&	&	CCONJ
fsr-3578	258	14	rau	rau	PROPN
fsr-3578	258	15	,	,	PUNCT
fsr-3578	258	16	b.	b.	PROPN
fsr-3578	258	17	l.	l.	PROPN
fsr-3578	258	18	(	(	PUNCT
fsr-3578	258	19	2011	2011	NUM
fsr-3578	258	20	)	)	PUNCT
fsr-3578	258	21	.	.	PUNCT
fsr-3578	259	1	putting	put	VERB
fsr-3578	259	2	off	off	ADP
fsr-3578	259	3	tomorrow	tomorrow	NOUN
fsr-3578	259	4	to	to	PART
fsr-3578	259	5	do	do	VERB
fsr-3578	259	6	what	what	PRON
fsr-3578	259	7	you	you	PRON
fsr-3578	259	8	want	want	VERB
fsr-3578	259	9	today	today	NOUN
fsr-3578	259	10	:	:	PUNCT
fsr-3578	259	11	planning	plan	VERB
fsr-3578	259	12	for	for	ADP
fsr-3578	259	13	retirement	retirement	NOUN
fsr-3578	259	14	.	.	PUNCT
fsr-3578	260	1	american	american	ADJ
fsr-3578	260	2	psychologist	psychologist	PROPN
fsr-3578	260	3	,	,	PUNCT
fsr-3578	260	4	66(3	66(3	NOUN
fsr-3578	260	5	)	)	PUNCT
fsr-3578	260	6	,	,	PUNCT
fsr-3578	260	7	180–192	180–192	NUM
fsr-3578	260	8	.	.	PUNCT
fsr-3578	261	1	https://doi.org/10.1037/a0022131	https://doi.org/10.1037/a0022131	NUM
fsr-3578	261	2	bennett	bennett	PROPN
fsr-3578	261	3	,	,	PUNCT
fsr-3578	261	4	j.	j.	PROPN
fsr-3578	261	5	n.	n.	PROPN
fsr-3578	261	6	(	(	PUNCT
fsr-3578	261	7	2021	2021	NUM
fsr-3578	261	8	)	)	PUNCT
fsr-3578	261	9	.	.	PUNCT
fsr-3578	262	1	a	a	DET
fsr-3578	262	2	dollar	dollar	NOUN
fsr-3578	262	3	’s	’s	PART
fsr-3578	262	4	worth	worth	ADJ
fsr-3578	262	5	:	:	PUNCT
fsr-3578	262	6	inflation	inflation	NOUN
fsr-3578	262	7	is	be	AUX
fsr-3578	262	8	real	real	ADJ
fsr-3578	262	9	.	.	PUNCT
fsr-3578	263	1	in	in	ADP
fsr-3578	263	2	page	page	NOUN
fsr-3578	263	3	one	one	NUM
fsr-3578	263	4	economics	economic	NOUN
fsr-3578	263	5	(	(	PUNCT
fsr-3578	263	6	issue	issue	NOUN
fsr-3578	263	7	october	october	PROPN
fsr-3578	263	8	)	)	PUNCT
fsr-3578	263	9	.	.	PUNCT
fsr-3578	264	1	https://doi.org/10.5860/choice.51-1007	https://doi.org/10.5860/choice.51-1007	PROPN
fsr-3578	264	2	beshears	beshear	NOUN
fsr-3578	264	3	,	,	PUNCT
fsr-3578	264	4	j.	j.	PROPN
fsr-3578	264	5	,	,	PUNCT
fsr-3578	264	6	choi	choi	PROPN
fsr-3578	264	7	,	,	PUNCT
fsr-3578	264	8	j.	j.	PROPN
fsr-3578	264	9	j.	j.	PROPN
fsr-3578	264	10	,	,	PUNCT
fsr-3578	264	11	laibson	laibson	PROPN
fsr-3578	264	12	,	,	PUNCT
fsr-3578	264	13	d.	d.	PROPN
fsr-3578	264	14	,	,	PUNCT
fsr-3578	264	15	&	&	CCONJ
fsr-3578	264	16	madrian	madrian	PROPN
fsr-3578	264	17	,	,	PUNCT
fsr-3578	264	18	b.	b.	PROPN
fsr-3578	264	19	c.	c.	PROPN
fsr-3578	264	20	(	(	PUNCT
fsr-3578	264	21	2010	2010	NUM
fsr-3578	264	22	)	)	PUNCT
fsr-3578	264	23	.	.	PUNCT
fsr-3578	265	1	the	the	DET
fsr-3578	265	2	impact	impact	NOUN
fsr-3578	265	3	of	of	ADP
fsr-3578	265	4	employer	employer	NOUN
fsr-3578	265	5	matching	match	VERB
fsr-3578	265	6	on	on	ADP
fsr-3578	265	7	savings	saving	NOUN
fsr-3578	265	8	plan	plan	NOUN
fsr-3578	265	9	participation	participation	NOUN
fsr-3578	265	10	under	under	ADP
fsr-3578	265	11	automatic	automatic	ADJ
fsr-3578	265	12	enrollment	enrollment	NOUN
fsr-3578	265	13	.	.	PUNCT
fsr-3578	266	1	in	in	ADP
fsr-3578	266	2	david	david	PROPN
fsr-3578	266	3	wise	wise	PROPN
fsr-3578	266	4	(	(	PUNCT
fsr-3578	266	5	ed	ed	NOUN
fsr-3578	266	6	.	.	PUNCT
fsr-3578	266	7	)	)	PUNCT
fsr-3578	266	8	,	,	PUNCT
fsr-3578	266	9	research	research	NOUN
fsr-3578	266	10	findings	finding	NOUN
fsr-3578	266	11	in	in	ADP
fsr-3578	266	12	the	the	DET
fsr-3578	266	13	economics	economic	NOUN
fsr-3578	266	14	of	of	ADP
fsr-3578	266	15	aging	age	VERB
fsr-3578	266	16	(	(	PUNCT
fsr-3578	266	17	pp	pp	ADJ
fsr-3578	266	18	.	.	PUNCT
fsr-3578	267	1	311–327	311–327	NUM
fsr-3578	267	2	)	)	PUNCT
fsr-3578	267	3	.	.	PUNCT
fsr-3578	268	1	university	university	NOUN
fsr-3578	268	2	of	of	ADP
fsr-3578	268	3	chicago	chicago	PROPN
fsr-3578	268	4	press	press	PROPN
fsr-3578	268	5	.	.	PUNCT
fsr-3578	269	1	board	board	NOUN
fsr-3578	269	2	of	of	ADP
fsr-3578	269	3	governors	governor	NOUN
fsr-3578	269	4	of	of	ADP
fsr-3578	269	5	the	the	DET
fsr-3578	269	6	federal	federal	PROPN
fsr-3578	269	7	reserve	reserve	PROPN
fsr-3578	269	8	system	system	NOUN
fsr-3578	269	9	.	.	PUNCT
fsr-3578	270	1	(	(	PUNCT
fsr-3578	270	2	2021	2021	NUM
fsr-3578	270	3	)	)	PUNCT
fsr-3578	270	4	.	.	PUNCT
fsr-3578	271	1	economic	economic	ADJ
fsr-3578	271	2	well	well	ADV
fsr-3578	271	3	-	-	PUNCT
fsr-3578	271	4	being	being	NOUN
fsr-3578	271	5	of	of	ADP
fsr-3578	271	6	u.s	u.s	PROPN
fsr-3578	271	7	.	.	PROPN
fsr-3578	271	8	households	household	NOUN
fsr-3578	271	9	in	in	ADP
fsr-3578	271	10	2020	2020	NUM
fsr-3578	271	11	(	(	PUNCT
fsr-3578	271	12	5	5	NUM
fsr-3578	271	13	)	)	PUNCT
fsr-3578	271	14	.	.	PUNCT
fsr-3578	272	1	borsch	borsch	PROPN
fsr-3578	272	2	-	-	PUNCT
fsr-3578	272	3	supan	supan	PROPN
fsr-3578	272	4	,	,	PUNCT
fsr-3578	272	5	a.	a.	NOUN
fsr-3578	272	6	,	,	PUNCT
fsr-3578	272	7	&	&	CCONJ
fsr-3578	272	8	lusardi	lusardi	PROPN
fsr-3578	272	9	,	,	PUNCT
fsr-3578	272	10	a.	a.	NOUN
fsr-3578	272	11	(	(	PUNCT
fsr-3578	272	12	2003	2003	NUM
fsr-3578	272	13	)	)	PUNCT
fsr-3578	272	14	.	.	PUNCT
fsr-3578	273	1	measuring	measure	VERB
fsr-3578	273	2	life	life	NOUN
fsr-3578	273	3	-	-	PUNCT
fsr-3578	273	4	cycle	cycle	NOUN
fsr-3578	273	5	saving	saving	NOUN
fsr-3578	273	6	.	.	PUNCT
fsr-3578	274	1	in	in	ADP
fsr-3578	274	2	borschsupan	borschsupan	NOUN
fsr-3578	274	3	,	,	PUNCT
fsr-3578	274	4	a.	a.	NOUN
fsr-3578	274	5	(	(	PUNCT
fsr-3578	274	6	ed	ed	NOUN
fsr-3578	274	7	.	.	PUNCT
fsr-3578	274	8	)	)	PUNCT
fsr-3578	274	9	,	,	PUNCT
fsr-3578	274	10	life	life	NOUN
fsr-3578	274	11	-	-	PUNCT
fsr-3578	274	12	cycle	cycle	NOUN
fsr-3578	274	13	savings	saving	NOUN
fsr-3578	274	14	and	and	CCONJ
fsr-3578	274	15	public	public	ADJ
fsr-3578	274	16	policy	policy	NOUN
fsr-3578	274	17	:	:	PUNCT
fsr-3578	274	18	a	a	DET
fsr-3578	274	19	cross	cross	ADJ
fsr-3578	274	20	-	-	ADJ
fsr-3578	274	21	national	national	ADJ
fsr-3578	274	22	study	study	NOUN
fsr-3578	274	23	of	of	ADP
fsr-3578	274	24	six	six	NUM
fsr-3578	274	25	countries	country	NOUN
fsr-3578	274	26	.	.	PUNCT
fsr-3578	275	1	academic	academic	ADJ
fsr-3578	275	2	press	press	NOUN
fsr-3578	275	3	.	.	PUNCT
fsr-3578	276	1	choe	choe	PROPN
fsr-3578	276	2	,	,	PUNCT
fsr-3578	276	3	y.	y.	PROPN
fsr-3578	276	4	,	,	PUNCT
fsr-3578	276	5	&	&	CCONJ
fsr-3578	276	6	kan	kan	PROPN
fsr-3578	276	7	,	,	PUNCT
fsr-3578	276	8	c.	c.	PROPN
fsr-3578	276	9	(	(	PUNCT
fsr-3578	276	10	2021	2021	NUM
fsr-3578	276	11	)	)	PUNCT
fsr-3578	276	12	.	.	PUNCT
fsr-3578	277	1	budget	budget	NOUN
fsr-3578	277	2	depreciation	depreciation	NOUN
fsr-3578	277	3	:	:	PUNCT
fsr-3578	277	4	when	when	SCONJ
fsr-3578	277	5	budgeting	budget	VERB
fsr-3578	277	6	early	early	ADJ
fsr-3578	277	7	increases	increase	NOUN
fsr-3578	277	8	spending	spending	NOUN
fsr-3578	277	9	.	.	PUNCT
fsr-3578	278	1	journal	journal	NOUN
fsr-3578	278	2	of	of	ADP
fsr-3578	278	3	consumer	consumer	NOUN
fsr-3578	278	4	research	research	NOUN
fsr-3578	278	5	,	,	PUNCT
fsr-3578	278	6	47(6	47(6	NUM
fsr-3578	278	7	)	)	PUNCT
fsr-3578	278	8	,	,	PUNCT
fsr-3578	278	9	937	937	NUM
fsr-3578	278	10	–	–	PUNCT
fsr-3578	278	11	958	958	NUM
fsr-3578	278	12	.	.	PUNCT
fsr-3578	279	1	https://doi.org/10.1093/jcr/ucaa049	https://doi.org/10.1093/jcr/ucaa049	PROPN
fsr-3578	279	2	cynamon	cynamon	PROPN
fsr-3578	279	3	,	,	PUNCT
fsr-3578	279	4	b.	b.	PROPN
fsr-3578	279	5	z.	z.	PROPN
fsr-3578	279	6	,	,	PUNCT
fsr-3578	279	7	&	&	CCONJ
fsr-3578	279	8	fazzari	fazzari	PROPN
fsr-3578	279	9	,	,	PUNCT
fsr-3578	279	10	s.	s.	PROPN
fsr-3578	279	11	m.	m.	PROPN
fsr-3578	279	12	(	(	PUNCT
fsr-3578	279	13	2008	2008	NUM
fsr-3578	279	14	)	)	PUNCT
fsr-3578	279	15	.	.	PUNCT
fsr-3578	280	1	household	household	NOUN
fsr-3578	280	2	debt	debt	NOUN
fsr-3578	280	3	in	in	ADP
fsr-3578	280	4	the	the	DET
fsr-3578	280	5	consumer	consumer	NOUN
fsr-3578	280	6	age	age	NOUN
fsr-3578	280	7	:	:	PUNCT
fsr-3578	280	8	source	source	NOUN
fsr-3578	280	9	of	of	ADP
fsr-3578	280	10	growth	growth	NOUN
fsr-3578	280	11	--	--	PUNCT
fsr-3578	280	12	risk	risk	NOUN
fsr-3578	280	13	of	of	ADP
fsr-3578	280	14	collapse	collapse	NOUN
fsr-3578	280	15	.	.	PUNCT
fsr-3578	281	1	capitalism	capitalism	NOUN
fsr-3578	281	2	and	and	CCONJ
fsr-3578	281	3	society	society	NOUN
fsr-3578	281	4	,	,	PUNCT
fsr-3578	281	5	3(2	3(2	NUM
fsr-3578	281	6	)	)	PUNCT
fsr-3578	281	7	.	.	PUNCT
fsr-3578	282	1	https://doi.org/10.2202/1932-0213.1037	https://doi.org/10.2202/1932-0213.1037	PROPN
fsr-3578	282	2	fan	fan	PROPN
fsr-3578	282	3	,	,	PUNCT
fsr-3578	282	4	l.	l.	PROPN
fsr-3578	282	5	,	,	PUNCT
fsr-3578	282	6	stebbins	stebbins	PROPN
fsr-3578	282	7	,	,	PUNCT
fsr-3578	282	8	r.	r.	PROPN
fsr-3578	282	9	,	,	PUNCT
fsr-3578	282	10	&	&	CCONJ
fsr-3578	282	11	kim	kim	PROPN
fsr-3578	282	12	,	,	PUNCT
fsr-3578	282	13	k.	k.	PROPN
fsr-3578	282	14	t.	t.	PROPN
fsr-3578	282	15	(	(	PUNCT
fsr-3578	282	16	2022	2022	NUM
fsr-3578	282	17	)	)	PUNCT
fsr-3578	282	18	.	.	PUNCT
fsr-3578	283	1	skint	skint	NOUN
fsr-3578	283	2	:	:	PUNCT
fsr-3578	283	3	retirement	retirement	NOUN
fsr-3578	283	4	?	?	PUNCT
fsr-3578	284	1	financial	financial	ADJ
fsr-3578	284	2	hardship	hardship	NOUN
fsr-3578	284	3	and	and	CCONJ
fsr-3578	284	4	retirement	retirement	NOUN
fsr-3578	284	5	planning	planning	NOUN
fsr-3578	284	6	behaviors	behavior	NOUN
fsr-3578	284	7	.	.	PUNCT
fsr-3578	285	1	journal	journal	NOUN
fsr-3578	285	2	of	of	ADP
fsr-3578	285	3	family	family	NOUN
fsr-3578	285	4	and	and	CCONJ
fsr-3578	285	5	economic	economic	ADJ
fsr-3578	285	6	issues	issue	NOUN
fsr-3578	285	7	,	,	PUNCT
fsr-3578	285	8	43	43	NUM
fsr-3578	285	9	,	,	PUNCT
fsr-3578	285	10	354–367	354–367	NUM
fsr-3578	285	11	.	.	PUNCT
fsr-3578	286	1	https://doi.org/10.1007/s10834-021-09779z	https://doi.org/10.1007/s10834-021-09779z	PROPN
fsr-3578	286	2	farrell	farrell	PROPN
fsr-3578	286	3	,	,	PUNCT
fsr-3578	286	4	diana	diana	PROPN
fsr-3578	286	5	,	,	PUNCT
fsr-3578	286	6	fiona	fiona	PROPN
fsr-3578	286	7	greig	greig	PROPN
fsr-3578	286	8	,	,	PUNCT
fsr-3578	286	9	and	and	CCONJ
fsr-3578	286	10	chenxi	chenxi	PROPN
fsr-3578	286	11	yu	yu	PROPN
fsr-3578	286	12	.	.	PROPN
fsr-3578	286	13	(	(	PUNCT
fsr-3578	286	14	2019	2019	NUM
fsr-3578	286	15	)	)	PUNCT
fsr-3578	286	16	.	.	PUNCT
fsr-3578	287	1	“	"	PUNCT
fsr-3578	287	2	weathering	weather	VERB
fsr-3578	287	3	volatility	volatility	NOUN
fsr-3578	287	4	2.0	2.0	NUM
fsr-3578	287	5	:	:	PUNCT
fsr-3578	287	6	a	a	DET
fsr-3578	287	7	monthly	monthly	ADJ
fsr-3578	287	8	stress	stress	NOUN
fsr-3578	287	9	test	test	NOUN
fsr-3578	287	10	to	to	PART
fsr-3578	287	11	guide	guide	VERB
fsr-3578	287	12	savings	saving	NOUN
fsr-3578	287	13	.	.	PUNCT
fsr-3578	287	14	”	"	PUNCT
fsr-3578	288	1	jpmorgan	jpmorgan	PROPN
fsr-3578	288	2	chase	chase	PROPN
fsr-3578	288	3	institute	institute	PROPN
fsr-3578	288	4	.	.	PUNCT
fsr-3578	289	1	https://institute.jpmorganchase.com/institut	https://institute.jpmorganchase.com/institut	PUNCT
fsr-3578	289	2	e	e	X
fsr-3578	289	3	/	/	SYM
fsr-3578	289	4	research	research	NOUN
fsr-3578	289	5	/	/	SYM
fsr-3578	289	6	household	household	NOUN
fsr-3578	289	7	-	-	PUNCT
fsr-3578	289	8	incomespending	incomespending	NOUN
fsr-3578	289	9	/	/	SYM
fsr-3578	289	10	report	report	NOUN
fsr-3578	289	11	-	-	PUNCT
fsr-3578	289	12	weathering	weather	VERB
fsr-3578	289	13	-	-	PUNCT
fsr-3578	289	14	volatility-2.0	volatility-2.0	NOUN
fsr-3578	289	15	.	.	PUNCT
fsr-3578	290	1	ferdous	ferdous	ADJ
fsr-3578	290	2	,	,	PUNCT
fsr-3578	290	3	n.	n.	NOUN
fsr-3578	290	4	,	,	PUNCT
fsr-3578	290	5	pinjari	pinjari	PROPN
fsr-3578	290	6	,	,	PUNCT
fsr-3578	290	7	a.	a.	PROPN
fsr-3578	290	8	r.	r.	PROPN
fsr-3578	290	9	,	,	PUNCT
fsr-3578	290	10	bhat	bhat	PROPN
fsr-3578	290	11	,	,	PUNCT
fsr-3578	290	12	c.	c.	PROPN
fsr-3578	290	13	r.	r.	PROPN
fsr-3578	290	14	,	,	PUNCT
fsr-3578	290	15	&	&	CCONJ
fsr-3578	290	16	pendyala	pendyala	PROPN
fsr-3578	290	17	,	,	PUNCT
fsr-3578	290	18	r.	r.	PROPN
fsr-3578	290	19	m.	m.	PROPN
fsr-3578	290	20	(	(	PUNCT
fsr-3578	290	21	2010	2010	NUM
fsr-3578	290	22	)	)	PUNCT
fsr-3578	290	23	.	.	PUNCT
fsr-3578	291	1	a	a	DET
fsr-3578	291	2	comprehensive	comprehensive	ADJ
fsr-3578	291	3	analysis	analysis	NOUN
fsr-3578	291	4	of	of	ADP
fsr-3578	291	5	household	household	NOUN
fsr-3578	291	6	transportation	transportation	NOUN
fsr-3578	291	7	expenditures	expenditure	NOUN
fsr-3578	291	8	relative	relative	ADJ
fsr-3578	291	9	to	to	ADP
fsr-3578	291	10	other	other	ADJ
fsr-3578	291	11	goods	good	NOUN
fsr-3578	291	12	and	and	CCONJ
fsr-3578	291	13	services	service	NOUN
fsr-3578	291	14	:	:	PUNCT
fsr-3578	291	15	an	an	DET
fsr-3578	291	16	application	application	NOUN
fsr-3578	291	17	to	to	ADP
fsr-3578	291	18	united	united	PROPN
fsr-3578	291	19	states	states	PROPN
fsr-3578	291	20	consumer	consumer	NOUN
fsr-3578	291	21	expenditure	expenditure	NOUN
fsr-3578	291	22	data	datum	NOUN
fsr-3578	291	23	.	.	PUNCT
fsr-3578	292	1	transportation	transportation	NOUN
fsr-3578	292	2	,	,	PUNCT
fsr-3578	292	3	37(3	37(3	NUM
fsr-3578	292	4	)	)	PUNCT
fsr-3578	292	5	,	,	PUNCT
fsr-3578	292	6	363–390	363–390	NUM
fsr-3578	292	7	.	.	PUNCT
fsr-3578	293	1	https://doi.org/10.1007/s11116-010-9264-2	https://doi.org/10.1007/s11116-010-9264-2	PROPN
fsr-3578	293	2	gärling	gärling	NOUN
fsr-3578	293	3	,	,	PUNCT
fsr-3578	293	4	t.	t.	PROPN
fsr-3578	293	5	,	,	PUNCT
fsr-3578	293	6	&	&	CCONJ
fsr-3578	293	7	ranyard	ranyard	PROPN
fsr-3578	293	8	,	,	PUNCT
fsr-3578	293	9	r.	r.	PROPN
fsr-3578	293	10	(	(	PUNCT
fsr-3578	293	11	2020	2020	NUM
fsr-3578	293	12	)	)	PUNCT
fsr-3578	293	13	.	.	PUNCT
fsr-3578	294	1	the	the	DET
fsr-3578	294	2	psychological	psychological	ADJ
fsr-3578	294	3	perspective	perspective	NOUN
fsr-3578	294	4	on	on	ADP
fsr-3578	294	5	the	the	DET
fsr-3578	294	6	antecedents	antecedent	NOUN
fsr-3578	294	7	and	and	CCONJ
fsr-3578	294	8	consequences	consequence	NOUN
fsr-3578	294	9	of	of	ADP
fsr-3578	294	10	consumer	consumer	NOUN
fsr-3578	294	11	borrowing	borrowing	NOUN
fsr-3578	294	12	.	.	PUNCT
fsr-3578	295	1	in	in	ADP
fsr-3578	295	2	psychological	psychological	ADJ
fsr-3578	295	3	perspectives	perspective	NOUN
fsr-3578	295	4	on	on	ADP
fsr-3578	295	5	financial	financial	ADJ
fsr-3578	295	6	decision	decision	NOUN
fsr-3578	295	7	making	making	NOUN
fsr-3578	295	8	(	(	PUNCT
fsr-3578	295	9	pp	pp	ADJ
fsr-3578	295	10	.	.	PUNCT
fsr-3578	295	11	267	267	NUM
fsr-3578	295	12	–	–	PUNCT
fsr-3578	295	13	290	290	NUM
fsr-3578	295	14	)	)	PUNCT
fsr-3578	295	15	.	.	PUNCT
fsr-3578	296	1	springer	springer	NOUN
fsr-3578	296	2	international	international	ADJ
fsr-3578	296	3	publishing	publishing	NOUN
fsr-3578	296	4	.	.	PUNCT
fsr-3578	297	1	https://doi.org/10.1007/978-3-030-455002_12	https://doi.org/10.1007/978-3-030-455002_12	PROPN
fsr-3578	297	2	heckman	heckman	PROPN
fsr-3578	297	3	,	,	PUNCT
fsr-3578	297	4	s.	s.	PROPN
fsr-3578	297	5	j.	j.	PROPN
fsr-3578	297	6	,	,	PUNCT
fsr-3578	297	7	&	&	CCONJ
fsr-3578	297	8	hanna	hanna	PROPN
fsr-3578	297	9	,	,	PUNCT
fsr-3578	297	10	s.	s.	PROPN
fsr-3578	297	11	d.	d.	PROPN
fsr-3578	297	12	(	(	PUNCT
fsr-3578	297	13	2015	2015	NUM
fsr-3578	297	14	)	)	PUNCT
fsr-3578	297	15	.	.	PUNCT
fsr-3578	298	1	individual	individual	ADJ
fsr-3578	298	2	and	and	CCONJ
fsr-3578	298	3	institutional	institutional	ADJ
fsr-3578	298	4	factors	factor	NOUN
fsr-3578	298	5	related	relate	VERB
fsr-3578	298	6	to	to	ADP
fsr-3578	298	7	low	low	ADJ
fsr-3578	298	8	-	-	PUNCT
fsr-3578	298	9	income	income	NOUN
fsr-3578	298	10	household	household	NOUN
fsr-3578	298	11	saving	saving	NOUN
fsr-3578	298	12	behavior	behavior	NOUN
fsr-3578	298	13	.	.	PUNCT
fsr-3578	299	1	journal	journal	PROPN
fsr-3578	299	2	of	of	ADP
fsr-3578	299	3	financial	financial	ADJ
fsr-3578	299	4	counseling	counseling	NOUN
fsr-3578	299	5	and	and	CCONJ
fsr-3578	299	6	planning	planning	NOUN
fsr-3578	299	7	,	,	PUNCT
fsr-3578	299	8	26(2	26(2	NUM
fsr-3578	299	9	)	)	PUNCT
fsr-3578	299	10	,	,	PUNCT
fsr-3578	299	11	187–199	187–199	NUM
fsr-3578	299	12	.	.	PUNCT
fsr-3578	300	1	https://doi.org/10.1891/10523073.26.2.187	https://doi.org/10.1891/10523073.26.2.187	PROPN
fsr-3578	300	2	karlsson	karlsson	PROPN
fsr-3578	300	3	,	,	PUNCT
fsr-3578	300	4	n.	n.	PROPN
fsr-3578	300	5	(	(	PUNCT
fsr-3578	300	6	2003	2003	NUM
fsr-3578	300	7	)	)	PUNCT
fsr-3578	300	8	.	.	PUNCT
fsr-3578	301	1	consumer	consumer	NOUN
fsr-3578	301	2	self	self	NOUN
fsr-3578	301	3	-	-	PUNCT
fsr-3578	301	4	control	control	NOUN
fsr-3578	301	5	strategies	strategy	NOUN
fsr-3578	301	6	:	:	PUNCT
fsr-3578	301	7	an	an	DET
fsr-3578	301	8	empirical	empirical	ADJ
fsr-3578	301	9	study	study	NOUN
fsr-3578	301	10	of	of	ADP
fsr-3578	301	11	their	their	PRON
fsr-3578	301	12	structure	structure	NOUN
fsr-3578	301	13	and	and	CCONJ
fsr-3578	301	14	determinants	determinant	NOUN
fsr-3578	301	15	.	.	PUNCT
fsr-3578	302	1	journal	journal	NOUN
fsr-3578	302	2	of	of	ADP
fsr-3578	302	3	consumer	consumer	NOUN
fsr-3578	302	4	policy	policy	NOUN
fsr-3578	302	5	,	,	PUNCT
fsr-3578	302	6	26	26	NUM
fsr-3578	302	7	,	,	PUNCT
fsr-3578	302	8	23–41	23–41	NUM
fsr-3578	302	9	.	.	PUNCT
fsr-3578	303	1	kim	kim	PROPN
fsr-3578	303	2	,	,	PUNCT
fsr-3578	303	3	g.	g.	PROPN
fsr-3578	303	4	j.	j.	PROPN
fsr-3578	303	5	,	,	PUNCT
fsr-3578	303	6	&	&	CCONJ
fsr-3578	303	7	hanna	hanna	PROPN
fsr-3578	303	8	,	,	PUNCT
fsr-3578	303	9	s.	s.	PROPN
fsr-3578	303	10	(	(	PUNCT
fsr-3578	303	11	2017	2017	NUM
fsr-3578	303	12	)	)	PUNCT
fsr-3578	303	13	.	.	PUNCT
fsr-3578	304	1	do	do	AUX
fsr-3578	304	2	self	self	NOUN
fsr-3578	304	3	-	-	PUNCT
fsr-3578	304	4	control	control	NOUN
fsr-3578	304	5	measures	measure	NOUN
fsr-3578	304	6	affect	affect	VERB
fsr-3578	304	7	saving	save	VERB
fsr-3578	304	8	behavior	behavior	NOUN
fsr-3578	304	9	?	?	PUNCT
fsr-3578	305	1	journal	journal	NOUN
fsr-3578	305	2	of	of	ADP
fsr-3578	305	3	personal	personal	ADJ
fsr-3578	305	4	finance	finance	NOUN
fsr-3578	305	5	,	,	PUNCT
fsr-3578	305	6	16(2	16(2	NUM
fsr-3578	305	7	)	)	PUNCT
fsr-3578	305	8	,	,	PUNCT
fsr-3578	305	9	7–20	7–20	NOUN
fsr-3578	305	10	.	.	PUNCT
fsr-3578	306	1	kim	kim	PROPN
fsr-3578	306	2	,	,	PUNCT
fsr-3578	306	3	m.	m.	NOUN
fsr-3578	306	4	j.	j.	PROPN
fsr-3578	306	5	(	(	PUNCT
fsr-3578	306	6	2022	2022	NUM
fsr-3578	306	7	)	)	PUNCT
fsr-3578	306	8	.	.	PUNCT
fsr-3578	307	1	two	two	NUM
fsr-3578	307	2	sides	side	NOUN
fsr-3578	307	3	of	of	ADP
fsr-3578	307	4	the	the	DET
fsr-3578	307	5	same	same	ADJ
fsr-3578	307	6	coin	coin	NOUN
fsr-3578	307	7	:	:	PUNCT
fsr-3578	307	8	the	the	DET
fsr-3578	307	9	simultaneous	simultaneous	ADJ
fsr-3578	307	10	effects	effect	NOUN
fsr-3578	307	11	of	of	ADP
fsr-3578	307	12	spending	spending	NOUN
fsr-3578	307	13	and	and	CCONJ
fsr-3578	307	14	saving	save	VERB
fsr-3578	307	15	needs	need	NOUN
fsr-3578	307	16	on	on	ADP
fsr-3578	307	17	budget	budget	NOUN
fsr-3578	307	18	estimation	estimation	NOUN
fsr-3578	307	19	.	.	PUNCT
fsr-3578	308	1	journal	journal	PROPN
fsr-3578	308	2	of	of	ADP
fsr-3578	308	3	financial	financial	ADJ
fsr-3578	308	4	services	service	NOUN
fsr-3578	308	5	marketing	marketing	NOUN
fsr-3578	308	6	,	,	PUNCT
fsr-3578	308	7	0123456789	0123456789	NUM
fsr-3578	308	8	.	.	PUNCT
fsr-3578	309	1	https://doi.org/10.1057/s41264-021-00132x	https://doi.org/10.1057/s41264-021-00132x	PROPN
fsr-3578	309	2	kim	kim	PROPN
fsr-3578	309	3	,	,	PUNCT
fsr-3578	309	4	y.	y.	PROPN
fsr-3578	309	5	,	,	PUNCT
fsr-3578	309	6	&	&	CCONJ
fsr-3578	309	7	choi	choi	PROPN
fsr-3578	309	8	,	,	PUNCT
fsr-3578	309	9	s.	s.	PROPN
fsr-3578	309	10	m.	m.	PROPN
fsr-3578	309	11	(	(	PUNCT
fsr-3578	309	12	2018	2018	NUM
fsr-3578	309	13	)	)	PUNCT
fsr-3578	309	14	.	.	PUNCT
fsr-3578	310	1	the	the	DET
fsr-3578	310	2	effects	effect	NOUN
fsr-3578	310	3	of	of	ADP
fsr-3578	310	4	breadth	breadth	NOUN
fsr-3578	310	5	of	of	ADP
fsr-3578	310	6	product	product	NOUN
fsr-3578	310	7	categories	category	NOUN
fsr-3578	310	8	on	on	ADP
fsr-3578	310	9	budgeting	budget	VERB
fsr-3578	310	10	.	.	PUNCT
fsr-3578	311	1	advances	advance	NOUN
fsr-3578	311	2	in	in	ADP
fsr-3578	311	3	consumer	consumer	NOUN
fsr-3578	311	4	research	research	NOUN
fsr-3578	311	5	,	,	PUNCT
fsr-3578	311	6	46	46	NUM
fsr-3578	311	7	,	,	PUNCT
fsr-3578	311	8	440	440	NUM
fsr-3578	311	9	–	–	PUNCT
fsr-3578	311	10	443	443	NUM
fsr-3578	311	11	.	.	PUNCT
fsr-3578	312	1	kimiyagahlam	kimiyagahlam	PROPN
fsr-3578	312	2	,	,	PUNCT
fsr-3578	312	3	f.	f.	PROPN
fsr-3578	312	4	,	,	PUNCT
fsr-3578	312	5	safari	safari	NOUN
fsr-3578	312	6	,	,	PUNCT
fsr-3578	312	7	m.	m.	NOUN
fsr-3578	312	8	,	,	PUNCT
fsr-3578	312	9	&	&	CCONJ
fsr-3578	312	10	mansori	mansori	PROPN
fsr-3578	312	11	,	,	PUNCT
fsr-3578	312	12	s.	s.	PROPN
fsr-3578	312	13	(	(	PUNCT
fsr-3578	312	14	2019	2019	NUM
fsr-3578	312	15	)	)	PUNCT
fsr-3578	312	16	.	.	PUNCT
fsr-3578	313	1	influential	influential	ADJ
fsr-3578	313	2	behavioral	behavioral	ADJ
fsr-3578	313	3	factors	factor	NOUN
fsr-3578	313	4	on	on	ADP
fsr-3578	313	5	retirement	retirement	NOUN
fsr-3578	313	6	planning	planning	NOUN
fsr-3578	313	7	behavior	behavior	NOUN
fsr-3578	313	8	:	:	PUNCT
fsr-3578	313	9	the	the	DET
fsr-3578	313	10	case	case	NOUN
fsr-3578	313	11	of	of	ADP
fsr-3578	313	12	malaysia	malaysia	PROPN
fsr-3578	313	13	.	.	PUNCT
fsr-3578	314	1	journal	journal	PROPN
fsr-3578	314	2	of	of	ADP
fsr-3578	314	3	financial	financial	ADJ
fsr-3578	314	4	counseling	counseling	NOUN
fsr-3578	315	1	https://doi.org/10.5860/choice.51-1007	https://doi.org/10.5860/choice.51-1007	PROPN
fsr-3578	315	2	financial	financial	ADJ
fsr-3578	315	3	services	service	NOUN
fsr-3578	315	4	review	review	PROPN
fsr-3578	315	5	,	,	PUNCT
fsr-3578	315	6	33(1	33(1	NUM
fsr-3578	315	7	)	)	PUNCT
fsr-3578	315	8	198	198	NUM
fsr-3578	315	9	and	and	CCONJ
fsr-3578	315	10	planning	planning	NOUN
fsr-3578	315	11	,	,	PUNCT
fsr-3578	315	12	30(2	30(2	NUM
fsr-3578	315	13	)	)	PUNCT
fsr-3578	315	14	,	,	PUNCT
fsr-3578	315	15	244–261	244–261	NUM
fsr-3578	315	16	.	.	PUNCT
fsr-3578	316	1	https://doi.org/10.1891/10523073.30.2.244	https://doi.org/10.1891/10523073.30.2.244	PROPN
fsr-3578	316	2	lim	lim	PROPN
fsr-3578	316	3	,	,	PUNCT
fsr-3578	316	4	h.	h.	PROPN
fsr-3578	316	5	n.	n.	PROPN
fsr-3578	316	6	,	,	PUNCT
fsr-3578	316	7	&	&	CCONJ
fsr-3578	316	8	lee	lee	PROPN
fsr-3578	316	9	,	,	PUNCT
fsr-3578	316	10	j.	j.	PROPN
fsr-3578	316	11	m.	m.	PROPN
fsr-3578	316	12	(	(	PUNCT
fsr-3578	316	13	2021	2021	NUM
fsr-3578	316	14	)	)	PUNCT
fsr-3578	316	15	.	.	PUNCT
fsr-3578	317	1	retirement	retirement	NOUN
fsr-3578	317	2	income	income	NOUN
fsr-3578	317	3	sources	source	NOUN
fsr-3578	317	4	and	and	CCONJ
fsr-3578	317	5	subjective	subjective	ADJ
fsr-3578	317	6	financial	financial	ADJ
fsr-3578	317	7	well	well	NOUN
fsr-3578	317	8	-	-	PUNCT
fsr-3578	317	9	being	being	NOUN
fsr-3578	317	10	:	:	PUNCT
fsr-3578	317	11	a	a	DET
fsr-3578	317	12	comparison	comparison	NOUN
fsr-3578	317	13	of	of	ADP
fsr-3578	317	14	retirees	retiree	NOUN
fsr-3578	317	15	and	and	CCONJ
fsr-3578	317	16	non	non	NOUN
fsr-3578	317	17	-	-	NOUN
fsr-3578	317	18	retirees	retiree	NOUN
fsr-3578	317	19	.	.	PUNCT
fsr-3578	318	1	journal	journal	PROPN
fsr-3578	318	2	of	of	ADP
fsr-3578	318	3	financial	financial	ADJ
fsr-3578	318	4	counseling	counseling	NOUN
fsr-3578	318	5	and	and	CCONJ
fsr-3578	318	6	planning	planning	NOUN
fsr-3578	318	7	,	,	PUNCT
fsr-3578	318	8	32(3	32(3	NUM
fsr-3578	318	9	)	)	PUNCT
fsr-3578	318	10	,	,	PUNCT
fsr-3578	318	11	517–534	517–534	NUM
fsr-3578	318	12	.	.	PUNCT
fsr-3578	319	1	https://doi.org/10.1891/jfcp-19-00101	https://doi.org/10.1891/jfcp-19-00101	NOUN
fsr-3578	319	2	lutter	lutter	NOUN
fsr-3578	319	3	,	,	PUNCT
fsr-3578	319	4	s.	s.	PROPN
fsr-3578	319	5	(	(	PUNCT
fsr-3578	319	6	2022	2022	NUM
fsr-3578	319	7	,	,	PUNCT
fsr-3578	319	8	august	august	PROPN
fsr-3578	319	9	25	25	NUM
fsr-3578	319	10	)	)	PUNCT
fsr-3578	319	11	.	.	PUNCT
fsr-3578	320	1	psychology	psychology	NOUN
fsr-3578	320	2	of	of	ADP
fsr-3578	320	3	financial	financial	ADJ
fsr-3578	320	4	planning	planning	NOUN
fsr-3578	320	5	webinar	webinar	NOUN
fsr-3578	320	6	.	.	PUNCT
fsr-3578	321	1	cfp	cfp	PROPN
fsr-3578	321	2	board	board	PROPN
fsr-3578	321	3	.	.	PUNCT
fsr-3578	322	1	https://www.cfp.net/events/2022/08/thepsychology-of-financial-planning-webinar	https://www.cfp.net/events/2022/08/thepsychology-of-financial-planning-webinar	NOUN
fsr-3578	322	2	muratore	muratore	NOUN
fsr-3578	322	3	,	,	PUNCT
fsr-3578	322	4	a.	a.	NOUN
fsr-3578	322	5	m.	m.	NOUN
fsr-3578	322	6	,	,	PUNCT
fsr-3578	322	7	&	&	CCONJ
fsr-3578	322	8	earl	earl	PROPN
fsr-3578	322	9	,	,	PUNCT
fsr-3578	322	10	j.	j.	PROPN
fsr-3578	322	11	k.	k.	PROPN
fsr-3578	322	12	(	(	PUNCT
fsr-3578	322	13	2010	2010	NUM
fsr-3578	322	14	)	)	PUNCT
fsr-3578	322	15	.	.	PUNCT
fsr-3578	323	1	predicting	predict	VERB
fsr-3578	323	2	retirement	retirement	NOUN
fsr-3578	323	3	preparation	preparation	NOUN
fsr-3578	323	4	through	through	ADP
fsr-3578	323	5	the	the	DET
fsr-3578	323	6	design	design	NOUN
fsr-3578	323	7	of	of	ADP
fsr-3578	323	8	a	a	DET
fsr-3578	323	9	new	new	ADJ
fsr-3578	323	10	measure	measure	NOUN
fsr-3578	323	11	.	.	PUNCT
fsr-3578	324	1	australian	australian	ADJ
fsr-3578	324	2	psychologist	psychologist	NOUN
fsr-3578	324	3	,	,	PUNCT
fsr-3578	324	4	45(2	45(2	NOUN
fsr-3578	324	5	)	)	PUNCT
fsr-3578	324	6	,	,	PUNCT
fsr-3578	324	7	98–111	98–111	NUM
fsr-3578	324	8	.	.	PUNCT
fsr-3578	325	1	https://doi.org/10.1080/0005006090352447	https://doi.org/10.1080/0005006090352447	NUM
fsr-3578	325	2	1	1	NUM
fsr-3578	325	3	oakley	oakley	NOUN
fsr-3578	325	4	,	,	PUNCT
fsr-3578	325	5	d.	d.	PROPN
fsr-3578	325	6	,	,	PUNCT
fsr-3578	325	7	&	&	CCONJ
fsr-3578	325	8	kenneally	kenneally	ADV
fsr-3578	325	9	,	,	PUNCT
fsr-3578	325	10	k.	k.	PROPN
fsr-3578	325	11	(	(	PUNCT
fsr-3578	325	12	2019	2019	NUM
fsr-3578	325	13	)	)	PUNCT
fsr-3578	325	14	.	.	PUNCT
fsr-3578	326	1	retirement	retirement	NOUN
fsr-3578	326	2	insecurity	insecurity	NOUN
fsr-3578	326	3	2019	2019	NUM
fsr-3578	326	4	:	:	PUNCT
fsr-3578	326	5	households	household	NOUN
fsr-3578	326	6	’	'	PUNCT
fsr-3578	326	7	view	view	NOUN
fsr-3578	326	8	of	of	ADP
fsr-3578	326	9	the	the	DET
fsr-3578	326	10	retirement	retirement	NOUN
fsr-3578	326	11	crisis	crisis	NOUN
fsr-3578	326	12	(	(	PUNCT
fsr-3578	326	13	issue	issue	NOUN
fsr-3578	326	14	march	march	PROPN
fsr-3578	326	15	)	)	PUNCT
fsr-3578	326	16	.	.	PUNCT
fsr-3578	327	1	ozgen	ozgen	NOUN
fsr-3578	327	2	,	,	PUNCT
fsr-3578	327	3	o.	o.	PROPN
fsr-3578	327	4	,	,	PUNCT
fsr-3578	327	5	&	&	CCONJ
fsr-3578	327	6	esiyok	esiyok	PROPN
fsr-3578	327	7	,	,	PUNCT
fsr-3578	327	8	e.	e.	PROPN
fsr-3578	327	9	(	(	PUNCT
fsr-3578	327	10	2020	2020	NUM
fsr-3578	327	11	)	)	PUNCT
fsr-3578	327	12	.	.	PUNCT
fsr-3578	328	1	consumer	consumer	NOUN
fsr-3578	328	2	ethics	ethic	NOUN
fsr-3578	328	3	,	,	PUNCT
fsr-3578	328	4	materialism	materialism	NOUN
fsr-3578	328	5	and	and	CCONJ
fsr-3578	328	6	material	material	NOUN
fsr-3578	328	7	satisfaction	satisfaction	NOUN
fsr-3578	328	8	:	:	PUNCT
fsr-3578	328	9	a	a	DET
fsr-3578	328	10	study	study	NOUN
fsr-3578	328	11	on	on	ADP
fsr-3578	328	12	turkish	turkish	ADJ
fsr-3578	328	13	adolescent	adolescent	ADJ
fsr-3578	328	14	consumers	consumer	NOUN
fsr-3578	328	15	.	.	PUNCT
fsr-3578	329	1	international	international	ADJ
fsr-3578	329	2	journal	journal	PROPN
fsr-3578	329	3	of	of	ADP
fsr-3578	329	4	consumer	consumer	NOUN
fsr-3578	329	5	studies	study	NOUN
fsr-3578	329	6	,	,	PUNCT
fsr-3578	329	7	44(1	44(1	PROPN
fsr-3578	329	8	)	)	PUNCT
fsr-3578	329	9	,	,	PUNCT
fsr-3578	329	10	14–24	14–24	NUM
fsr-3578	329	11	.	.	PUNCT
fsr-3578	330	1	https://doi.org/10.1111/ijcs.12541	https://doi.org/10.1111/ijcs.12541	PROPN
fsr-3578	330	2	pahlevan	pahlevan	PROPN
fsr-3578	330	3	sharif	sharif	PROPN
fsr-3578	330	4	,	,	PUNCT
fsr-3578	330	5	s.	s.	PROPN
fsr-3578	330	6	,	,	PUNCT
fsr-3578	330	7	she	she	PRON
fsr-3578	330	8	,	,	PUNCT
fsr-3578	330	9	l.	l.	PROPN
fsr-3578	330	10	,	,	PUNCT
fsr-3578	330	11	yeoh	yeoh	PROPN
fsr-3578	330	12	,	,	PUNCT
fsr-3578	330	13	k.	k.	PROPN
fsr-3578	330	14	k.	k.	PROPN
fsr-3578	330	15	,	,	PUNCT
fsr-3578	330	16	&	&	CCONJ
fsr-3578	330	17	naghavi	naghavi	PROPN
fsr-3578	330	18	,	,	PUNCT
fsr-3578	330	19	n.	n.	NOUN
fsr-3578	330	20	(	(	PUNCT
fsr-3578	330	21	2022	2022	NUM
fsr-3578	330	22	)	)	PUNCT
fsr-3578	330	23	.	.	PUNCT
fsr-3578	331	1	heavy	heavy	ADJ
fsr-3578	331	2	social	social	ADJ
fsr-3578	331	3	networking	networking	NOUN
fsr-3578	331	4	and	and	CCONJ
fsr-3578	331	5	online	online	ADJ
fsr-3578	331	6	compulsive	compulsive	ADJ
fsr-3578	331	7	buying	buying	NOUN
fsr-3578	331	8	:	:	PUNCT
fsr-3578	331	9	the	the	DET
fsr-3578	331	10	mediating	mediate	VERB
fsr-3578	331	11	role	role	NOUN
fsr-3578	331	12	of	of	ADP
fsr-3578	331	13	financial	financial	ADJ
fsr-3578	331	14	social	social	ADJ
fsr-3578	331	15	comparison	comparison	NOUN
fsr-3578	331	16	and	and	CCONJ
fsr-3578	331	17	materialism	materialism	NOUN
fsr-3578	331	18	.	.	PUNCT
fsr-3578	332	1	journal	journal	NOUN
fsr-3578	332	2	of	of	ADP
fsr-3578	332	3	marketing	marketing	NOUN
fsr-3578	332	4	theory	theory	NOUN
fsr-3578	332	5	and	and	CCONJ
fsr-3578	332	6	practice	practice	NOUN
fsr-3578	332	7	,	,	PUNCT
fsr-3578	332	8	30(2	30(2	NUM
fsr-3578	332	9	)	)	PUNCT
fsr-3578	332	10	,	,	PUNCT
fsr-3578	332	11	213–225	213–225	NUM
fsr-3578	332	12	.	.	PUNCT
fsr-3578	333	1	https://doi.org/10.1080/10696679.2021.190	https://doi.org/10.1080/10696679.2021.190	PROPN
fsr-3578	333	2	9425	9425	NUM
fsr-3578	333	3	rick	rick	PROPN
fsr-3578	333	4	,	,	PUNCT
fsr-3578	333	5	s.	s.	PROPN
fsr-3578	333	6	(	(	PUNCT
fsr-3578	333	7	2018	2018	NUM
fsr-3578	333	8	)	)	PUNCT
fsr-3578	333	9	.	.	PUNCT
fsr-3578	334	1	tightwads	tightwad	NOUN
fsr-3578	334	2	and	and	CCONJ
fsr-3578	334	3	spendthrifts	spendthrift	NOUN
fsr-3578	334	4	:	:	PUNCT
fsr-3578	334	5	an	an	DET
fsr-3578	334	6	interdisciplinary	interdisciplinary	ADJ
fsr-3578	334	7	review	review	NOUN
fsr-3578	334	8	.	.	PUNCT
fsr-3578	335	1	financial	financial	ADJ
fsr-3578	335	2	planning	planning	PROPN
fsr-3578	335	3	review	review	PROPN
fsr-3578	335	4	,	,	PUNCT
fsr-3578	335	5	1(1–2	1(1–2	PROPN
fsr-3578	335	6	)	)	PUNCT
fsr-3578	335	7	,	,	PUNCT
fsr-3578	335	8	e1010	e1010	PROPN
fsr-3578	335	9	.	.	PUNCT
fsr-3578	336	1	https://doi.org/10.1002/cfp2.1010	https://doi.org/10.1002/cfp2.1010	PART
fsr-3578	336	2	senate	senate	PROPN
fsr-3578	336	3	finance	finance	PROPN
fsr-3578	336	4	committee	committee	NOUN
fsr-3578	336	5	.	.	PUNCT
fsr-3578	337	1	(	(	PUNCT
fsr-3578	337	2	2022	2022	NUM
fsr-3578	337	3	)	)	PUNCT
fsr-3578	337	4	.	.	PUNCT
fsr-3578	338	1	secure	secure	VERB
fsr-3578	338	2	2.0	2.0	NUM
fsr-3578	338	3	act	act	NOUN
fsr-3578	338	4	of	of	ADP
fsr-3578	338	5	2022	2022	NUM
fsr-3578	338	6	.	.	PUNCT
fsr-3578	339	1	https://www.finance.senate.gov/imo/media	https://www.finance.senate.gov/imo/media	PROPN
fsr-3578	339	2	/doc	/doc	SYM
fsr-3578	339	3	/	/	SYM
fsr-3578	339	4	secure	secure	ADJ
fsr-3578	339	5	percent202.0_section	percent202.0_section	NOUN
fsr-3578	339	6	percent20by	percent20by	NOUN
fsr-3578	339	7	percent20section	percent20section	NOUN
fsr-3578	339	8	percent20summary	percent20summary	ADJ
fsr-3578	339	9	percent2012	percent2012	PROPN
fsr-3578	339	10	-	-	PUNCT
fsr-3578	339	11	19	19	NUM
fsr-3578	339	12	-	-	PUNCT
fsr-3578	339	13	22	22	NUM
fsr-3578	339	14	percent20final.pdf	percent20final.pdf	PROPN
fsr-3578	339	15	shefrin	shefrin	NOUN
fsr-3578	339	16	,	,	PUNCT
fsr-3578	339	17	h.	h.	PROPN
fsr-3578	339	18	,	,	PUNCT
fsr-3578	339	19	&	&	CCONJ
fsr-3578	339	20	thaler	thaler	PROPN
fsr-3578	339	21	,	,	PUNCT
fsr-3578	339	22	r.	r.	PROPN
fsr-3578	339	23	(	(	PUNCT
fsr-3578	339	24	1988	1988	NUM
fsr-3578	339	25	)	)	PUNCT
fsr-3578	339	26	.	.	PUNCT
fsr-3578	340	1	the	the	DET
fsr-3578	340	2	behavioral	behavioral	ADJ
fsr-3578	340	3	life	life	NOUN
fsr-3578	340	4	-	-	PUNCT
fsr-3578	340	5	cycle	cycle	NOUN
fsr-3578	340	6	hypothesis	hypothesis	NOUN
fsr-3578	340	7	.	.	PUNCT
fsr-3578	341	1	economic	economic	ADJ
fsr-3578	341	2	inquiry	inquiry	NOUN
fsr-3578	341	3	,	,	PUNCT
fsr-3578	341	4	26(4	26(4	NUM
fsr-3578	341	5	)	)	PUNCT
fsr-3578	341	6	,	,	PUNCT
fsr-3578	341	7	609–643	609–643	NUM
fsr-3578	341	8	.	.	PUNCT
fsr-3578	341	9	sturr	sturr	NOUN
fsr-3578	341	10	,	,	PUNCT
fsr-3578	341	11	t.	t.	PROPN
fsr-3578	341	12	,	,	PUNCT
fsr-3578	341	13	lynn	lynn	PROPN
fsr-3578	341	14	,	,	PUNCT
fsr-3578	341	15	c.	c.	PROPN
fsr-3578	341	16	,	,	PUNCT
fsr-3578	341	17	&	&	CCONJ
fsr-3578	341	18	lawon	lawon	PROPN
fsr-3578	341	19	,	,	PUNCT
fsr-3578	341	20	d.	d.	PROPN
fsr-3578	341	21	(	(	PUNCT
fsr-3578	341	22	2021	2021	NUM
fsr-3578	341	23	)	)	PUNCT
fsr-3578	341	24	.	.	PUNCT
fsr-3578	342	1	financial	financial	ADJ
fsr-3578	342	2	self	self	NOUN
fsr-3578	342	3	-	-	PUNCT
fsr-3578	342	4	efficacy	efficacy	NOUN
fsr-3578	342	5	and	and	CCONJ
fsr-3578	342	6	retirement	retirement	NOUN
fsr-3578	342	7	preparation	preparation	NOUN
fsr-3578	342	8	.	.	PUNCT
fsr-3578	343	1	journal	journal	NOUN
fsr-3578	343	2	of	of	ADP
fsr-3578	343	3	financial	financial	ADJ
fsr-3578	343	4	planning	planning	NOUN
fsr-3578	343	5	,	,	PUNCT
fsr-3578	343	6	june	june	PROPN
fsr-3578	343	7	,	,	PUNCT
fsr-3578	343	8	86–98	86–98	NUM
fsr-3578	343	9	.	.	PUNCT
fsr-3578	344	1	https://doi.org/10.1002/9781119203124.ot	https://doi.org/10.1002/9781119203124.ot	PROPN
fsr-3578	344	2	h1	h1	PROPN
fsr-3578	344	3	sui	sui	PROPN
fsr-3578	344	4	,	,	PUNCT
fsr-3578	344	5	l.	l.	PROPN
fsr-3578	344	6	,	,	PUNCT
fsr-3578	344	7	sun	sun	PROPN
fsr-3578	344	8	,	,	PUNCT
fsr-3578	344	9	l.	l.	PROPN
fsr-3578	344	10	,	,	PUNCT
fsr-3578	344	11	&	&	CCONJ
fsr-3578	344	12	geyfman	geyfman	NOUN
fsr-3578	344	13	,	,	PUNCT
fsr-3578	344	14	v.	v.	PROPN
fsr-3578	344	15	(	(	PUNCT
fsr-3578	344	16	2021	2021	NUM
fsr-3578	344	17	)	)	PUNCT
fsr-3578	344	18	.	.	PUNCT
fsr-3578	345	1	an	an	DET
fsr-3578	345	2	assessment	assessment	NOUN
fsr-3578	345	3	of	of	ADP
fsr-3578	345	4	the	the	DET
fsr-3578	345	5	effects	effect	NOUN
fsr-3578	345	6	of	of	ADP
fsr-3578	345	7	mental	mental	ADJ
fsr-3578	345	8	accounting	accounting	NOUN
fsr-3578	345	9	on	on	ADP
fsr-3578	345	10	overspending	overspend	VERB
fsr-3578	345	11	behaviour	behaviour	NOUN
fsr-3578	345	12	:	:	PUNCT
fsr-3578	345	13	an	an	DET
fsr-3578	345	14	empirical	empirical	ADJ
fsr-3578	345	15	study	study	NOUN
fsr-3578	345	16	.	.	PUNCT
fsr-3578	346	1	international	international	ADJ
fsr-3578	346	2	journal	journal	PROPN
fsr-3578	346	3	of	of	ADP
fsr-3578	346	4	consumer	consumer	NOUN
fsr-3578	346	5	studies	study	NOUN
fsr-3578	346	6	,	,	PUNCT
fsr-3578	346	7	45(2	45(2	NOUN
fsr-3578	346	8	)	)	PUNCT
fsr-3578	346	9	,	,	PUNCT
fsr-3578	346	10	221–234	221–234	NUM
fsr-3578	346	11	.	.	PUNCT
fsr-3578	347	1	https://doi.org/10.1111/ijcs.12613	https://doi.org/10.1111/ijcs.12613	PROPN
fsr-3578	347	2	tescher	tescher	PROPN
fsr-3578	347	3	,	,	PUNCT
fsr-3578	347	4	j.	j.	PROPN
fsr-3578	347	5	,	,	PUNCT
fsr-3578	347	6	&	&	CCONJ
fsr-3578	347	7	corey	corey	PROPN
fsr-3578	347	8	stone	stone	PROPN
fsr-3578	347	9	.	.	PUNCT
fsr-3578	348	1	(	(	PUNCT
fsr-3578	348	2	2022	2022	NUM
fsr-3578	348	3	)	)	PUNCT
fsr-3578	348	4	.	.	PUNCT
fsr-3578	349	1	revolving	revolve	VERB
fsr-3578	349	2	debt	debt	NOUN
fsr-3578	349	3	’s	’s	PART
fsr-3578	349	4	challenge	challenge	NOUN
fsr-3578	349	5	to	to	ADP
fsr-3578	349	6	financial	financial	ADJ
fsr-3578	349	7	health	health	NOUN
fsr-3578	349	8	and	and	CCONJ
fsr-3578	349	9	one	one	NUM
fsr-3578	349	10	way	way	NOUN
fsr-3578	349	11	to	to	PART
fsr-3578	349	12	help	help	VERB
fsr-3578	349	13	consumers	consumer	NOUN
fsr-3578	349	14	pay	pay	VERB
fsr-3578	349	15	it	it	PRON
fsr-3578	349	16	off	off	ADP
fsr-3578	349	17	.	.	PUNCT
fsr-3578	350	1	the	the	DET
fsr-3578	350	2	brookings	brookings	PROPN
fsr-3578	350	3	institution	institution	NOUN
fsr-3578	350	4	.	.	PUNCT
fsr-3578	351	1	https://www.brookings.edu/research/revolv	https://www.brookings.edu/research/revolv	ADJ
fsr-3578	351	2	ing	ing	ADJ
fsr-3578	351	3	-	-	PUNCT
fsr-3578	351	4	debts	debt	NOUN
fsr-3578	351	5	-	-	PUNCT
fsr-3578	351	6	challenge	challenge	NOUN
fsr-3578	351	7	-	-	PUNCT
fsr-3578	351	8	to	to	ADP
fsr-3578	351	9	-	-	PUNCT
fsr-3578	351	10	financial	financial	ADJ
fsr-3578	351	11	-	-	PUNCT
fsr-3578	351	12	healthand	healthand	NOUN
fsr-3578	351	13	-	-	PUNCT
fsr-3578	351	14	one	one	NUM
fsr-3578	351	15	-	-	PUNCT
fsr-3578	351	16	way	way	NOUN
fsr-3578	351	17	-	-	PUNCT
fsr-3578	351	18	to	to	ADP
fsr-3578	351	19	-	-	PUNCT
fsr-3578	351	20	help	help	VERB
fsr-3578	351	21	-	-	PUNCT
fsr-3578	351	22	consumers	consumer	NOUN
fsr-3578	351	23	-	-	PUNCT
fsr-3578	351	24	pay	pay	NOUN
fsr-3578	351	25	-	-	PUNCT
fsr-3578	351	26	it	it	PRON
fsr-3578	351	27	-	-	PUNCT
fsr-3578	351	28	off/	off/	NUM
fsr-3578	351	29	watson	watson	NOUN
fsr-3578	351	30	,	,	PUNCT
fsr-3578	351	31	j.	j.	PROPN
fsr-3578	351	32	j.	j.	PROPN
fsr-3578	351	33	(	(	PUNCT
fsr-3578	351	34	2003	2003	NUM
fsr-3578	351	35	)	)	PUNCT
fsr-3578	351	36	.	.	PUNCT
fsr-3578	352	1	the	the	DET
fsr-3578	352	2	relationship	relationship	NOUN
fsr-3578	352	3	of	of	ADP
fsr-3578	352	4	materialism	materialism	NOUN
fsr-3578	352	5	to	to	ADP
fsr-3578	352	6	spending	spend	VERB
fsr-3578	352	7	tendencies	tendency	NOUN
fsr-3578	352	8	,	,	PUNCT
fsr-3578	352	9	saving	saving	NOUN
fsr-3578	352	10	,	,	PUNCT
fsr-3578	352	11	and	and	CCONJ
fsr-3578	352	12	debt	debt	NOUN
fsr-3578	352	13	.	.	PUNCT
fsr-3578	353	1	journal	journal	NOUN
fsr-3578	353	2	of	of	ADP
fsr-3578	353	3	economic	economic	ADJ
fsr-3578	353	4	psychology	psychology	NOUN
fsr-3578	353	5	,	,	PUNCT
fsr-3578	353	6	24(6	24(6	NUM
fsr-3578	353	7	)	)	PUNCT
fsr-3578	353	8	,	,	PUNCT
fsr-3578	353	9	723–739	723–739	NUM
fsr-3578	353	10	.	.	PUNCT
fsr-3578	354	1	https://doi.org/10.1016/j.joep.2003.06.001	https://doi.org/10.1016/j.joep.2003.06.001	PROPN
fsr-3578	354	2	xiao	xiao	PROPN
fsr-3578	354	3	,	,	PUNCT
fsr-3578	354	4	j.	j.	PROPN
fsr-3578	354	5	j.	j.	PROPN
fsr-3578	354	6	,	,	PUNCT
fsr-3578	354	7	&	&	CCONJ
fsr-3578	354	8	o’neill	o’neill	PROPN
fsr-3578	354	9	,	,	PUNCT
fsr-3578	354	10	b.	b.	PROPN
fsr-3578	354	11	(	(	PUNCT
fsr-3578	354	12	2018	2018	NUM
fsr-3578	354	13	)	)	PUNCT
fsr-3578	354	14	.	.	PUNCT
fsr-3578	355	1	mental	mental	ADJ
fsr-3578	355	2	accounting	accounting	NOUN
fsr-3578	355	3	and	and	CCONJ
fsr-3578	355	4	behavioural	behavioural	ADJ
fsr-3578	355	5	hierarchy	hierarchy	NOUN
fsr-3578	355	6	:	:	PUNCT
fsr-3578	355	7	understanding	understand	VERB
fsr-3578	355	8	consumer	consumer	NOUN
fsr-3578	355	9	budgeting	budgeting	NOUN
fsr-3578	355	10	behaviour	behaviour	NOUN
fsr-3578	355	11	.	.	PUNCT
fsr-3578	356	1	international	international	ADJ
fsr-3578	356	2	journal	journal	PROPN
fsr-3578	356	3	of	of	ADP
fsr-3578	356	4	consumer	consumer	NOUN
fsr-3578	356	5	studies	study	NOUN
fsr-3578	356	6	,	,	PUNCT
fsr-3578	356	7	42(4	42(4	PROPN
fsr-3578	356	8	)	)	PUNCT
fsr-3578	356	9	,	,	PUNCT
fsr-3578	356	10	448–459	448–459	NUM
fsr-3578	356	11	.	.	PUNCT
fsr-3578	357	1	https://doi.org/10.1111/ijcs.12445	https://doi.org/10.1111/ijcs.12445	NOUN
fsr-3578	357	2	yuh	yuh	PROPN
fsr-3578	357	3	,	,	PUNCT
fsr-3578	357	4	y.	y.	PROPN
fsr-3578	357	5	,	,	PUNCT
fsr-3578	357	6	&	&	CCONJ
fsr-3578	357	7	hanna	hanna	PROPN
fsr-3578	357	8	,	,	PUNCT
fsr-3578	357	9	s.	s.	PROPN
fsr-3578	357	10	d.	d.	PROPN
fsr-3578	357	11	(	(	PUNCT
fsr-3578	357	12	2010	2010	NUM
fsr-3578	357	13	)	)	PUNCT
fsr-3578	357	14	.	.	PUNCT
fsr-3578	358	1	which	which	DET
fsr-3578	358	2	households	household	NOUN
fsr-3578	358	3	think	think	VERB
fsr-3578	358	4	they	they	PRON
fsr-3578	358	5	save	save	VERB
fsr-3578	358	6	?	?	PUNCT
fsr-3578	359	1	journal	journal	NOUN
fsr-3578	359	2	of	of	ADP
fsr-3578	359	3	consumer	consumer	NOUN
fsr-3578	359	4	affairs	affair	NOUN
fsr-3578	359	5	,	,	PUNCT
fsr-3578	359	6	44(1	44(1	PROPN
fsr-3578	359	7	)	)	PUNCT
fsr-3578	359	8	,	,	PUNCT
fsr-3578	359	9	70–97	70–97	NUM
fsr-3578	359	10	.	.	PUNCT
fsr-3578	360	1	https://doi.org/10.1111/j.17456606.2010.01158.x	https://doi.org/10.1111/j.17456606.2010.01158.x	X
fsr-3578	360	2	lynn	lynn	PROPN
fsr-3578	360	3	et	et	PROPN
fsr-3578	360	4	al	al	PROPN
fsr-3578	360	5	.	.	PROPN
fsr-3578	360	6	199	199	NUM
fsr-3578	360	7	appendix	appendix	NOUN
fsr-3578	360	8	table	table	NOUN
fsr-3578	360	9	a1	a1	NOUN
fsr-3578	360	10	sample	sample	NOUN
fsr-3578	360	11	demographics	demographic	NOUN
fsr-3578	360	12	of	of	ADP
fsr-3578	360	13	the	the	DET
fsr-3578	360	14	shed	shed	ADJ
fsr-3578	360	15	sample	sample	NOUN
fsr-3578	360	16	(	(	PUNCT
fsr-3578	360	17	n	n	NOUN
fsr-3578	360	18	=	=	SYM
fsr-3578	360	19	6,651	6,651	NUM
fsr-3578	360	20	)	)	PUNCT
fsr-3578	360	21	unweighted	unweighte	VERB
fsr-3578	360	22	weighted	weight	VERB
fsr-3578	360	23	variable	variable	NOUN
fsr-3578	360	24	n	n	PRON
fsr-3578	360	25	m/%	m/%	PROPN
fsr-3578	360	26	sd	sd	ADP
fsr-3578	360	27	n	n	DET
fsr-3578	360	28	m/%	m/%	PROPN
fsr-3578	360	29	sd	sd	ADP
fsr-3578	360	30	min	min	NOUN
fsr-3578	360	31	max	max	PROPN
fsr-3578	360	32	age	age	NOUN
fsr-3578	360	33	under	under	ADP
fsr-3578	360	34	35	35	NUM
fsr-3578	360	35	2,039	2,039	NUM
fsr-3578	360	36	30.66	30.66	NUM
fsr-3578	360	37	%	%	NOUN
fsr-3578	360	38	2,328	2,328	NUM
fsr-3578	360	39	35.00	35.00	NUM
fsr-3578	360	40	%	%	NOUN
fsr-3578	360	41	35	35	NUM
fsr-3578	360	42	-	-	SYM
fsr-3578	360	43	44	44	NUM
fsr-3578	360	44	1,306	1,306	NUM
fsr-3578	360	45	19.64	19.64	NUM
fsr-3578	360	46	%	%	NOUN
fsr-3578	360	47	1,454	1,454	NUM
fsr-3578	360	48	21.87	21.87	NUM
fsr-3578	360	49	%	%	NOUN
fsr-3578	360	50	45	45	NUM
fsr-3578	360	51	-	-	SYM
fsr-3578	360	52	54	54	NUM
fsr-3578	360	53	1,268	1,268	NUM
fsr-3578	360	54	19.06	19.06	NUM
fsr-3578	360	55	%	%	NOUN
fsr-3578	360	56	1,158	1,158	NUM
fsr-3578	360	57	17.41	17.41	NUM
fsr-3578	360	58	%	%	NOUN
fsr-3578	360	59	55	55	NUM
fsr-3578	360	60	-	-	SYM
fsr-3578	360	61	64	64	NUM
fsr-3578	360	62	1,490	1,490	NUM
fsr-3578	360	63	22.40	22.40	NUM
fsr-3578	360	64	%	%	NOUN
fsr-3578	360	65	1,310	1,310	NUM
fsr-3578	360	66	19.69	19.69	NUM
fsr-3578	360	67	%	%	NOUN
fsr-3578	360	68	65	65	NUM
fsr-3578	360	69	+	+	NUM
fsr-3578	360	70	548	548	NUM
fsr-3578	360	71	8.24	8.24	NUM
fsr-3578	360	72	%	%	NOUN
fsr-3578	360	73	401	401	NUM
fsr-3578	360	74	6.02	6.02	NUM
fsr-3578	360	75	%	%	NOUN
fsr-3578	360	76	marital	marital	ADJ
fsr-3578	360	77	status	status	NOUN
fsr-3578	360	78	married	marry	VERB
fsr-3578	360	79	3,700	3,700	NUM
fsr-3578	360	80	55.63	55.63	NUM
fsr-3578	360	81	%	%	NOUN
fsr-3578	360	82	3,655	3,655	NUM
fsr-3578	360	83	54.96	54.96	NUM
fsr-3578	360	84	%	%	NOUN
fsr-3578	360	85	living	live	VERB
fsr-3578	360	86	w/	w/	PROPN
fsr-3578	360	87	partner	partner	NOUN
fsr-3578	360	88	,	,	PUNCT
fsr-3578	360	89	single	single	ADJ
fsr-3578	360	90	,	,	PUNCT
fsr-3578	360	91	never	never	ADV
fsr-3578	360	92	married	marry	VERB
fsr-3578	360	93	2,094	2,094	NUM
fsr-3578	360	94	31.48	31.48	NUM
fsr-3578	360	95	%	%	NOUN
fsr-3578	360	96	2,241	2,241	NUM
fsr-3578	360	97	33.69	33.69	NUM
fsr-3578	360	98	%	%	NOUN
fsr-3578	360	99	separated	separate	VERB
fsr-3578	360	100	/	/	SYM
fsr-3578	360	101	divorced	divorce	VERB
fsr-3578	360	102	741	741	NUM
fsr-3578	360	103	11.14	11.14	NUM
fsr-3578	360	104	%	%	NOUN
fsr-3578	360	105	651	651	NUM
fsr-3578	360	106	9.79	9.79	NUM
fsr-3578	360	107	%	%	NOUN
fsr-3578	360	108	widowed	widow	VERB
fsr-3578	360	109	116	116	NUM
fsr-3578	360	110	1.74	1.74	NUM
fsr-3578	360	111	%	%	NOUN
fsr-3578	360	112	103	103	NUM
fsr-3578	360	113	1.55	1.55	NUM
fsr-3578	360	114	%	%	NOUN
fsr-3578	360	115	race	race	NOUN
fsr-3578	360	116	white	white	VERB
fsr-3578	360	117	4,495	4,495	NUM
fsr-3578	360	118	67.58	67.58	NUM
fsr-3578	360	119	%	%	NOUN
fsr-3578	360	120	4,145	4,145	NUM
fsr-3578	360	121	62.32	62.32	NUM
fsr-3578	360	122	%	%	NOUN
fsr-3578	360	123	black	black	ADJ
fsr-3578	360	124	713	713	NUM
fsr-3578	360	125	10.72	10.72	NUM
fsr-3578	360	126	%	%	NOUN
fsr-3578	360	127	797	797	NUM
fsr-3578	360	128	11.98	11.98	NUM
fsr-3578	360	129	%	%	NOUN
fsr-3578	360	130	hispanic	hispanic	ADJ
fsr-3578	360	131	882	882	NUM
fsr-3578	360	132	13.26	13.26	NUM
fsr-3578	360	133	%	%	NOUN
fsr-3578	360	134	569	569	NUM
fsr-3578	360	135	8.56	8.56	NUM
fsr-3578	360	136	%	%	NOUN
fsr-3578	360	137	other	other	ADJ
fsr-3578	360	138	561	561	NUM
fsr-3578	360	139	8.43	8.43	NUM
fsr-3578	360	140	%	%	NOUN
fsr-3578	360	141	1,141	1,141	NUM
fsr-3578	360	142	17.15	17.15	NUM
fsr-3578	360	143	%	%	NOUN
fsr-3578	360	144	gender	gender	NOUN
fsr-3578	360	145	male	male	NOUN
fsr-3578	360	146	3,605	3,605	NUM
fsr-3578	360	147	54.20	54.20	NUM
fsr-3578	360	148	%	%	NOUN
fsr-3578	360	149	3,426	3,426	NUM
fsr-3578	360	150	51.52	51.52	NUM
fsr-3578	360	151	%	%	NOUN
fsr-3578	360	152	female	female	NOUN
fsr-3578	360	153	3,046	3,046	NUM
fsr-3578	360	154	45.80	45.80	NUM
fsr-3578	360	155	%	%	NOUN
fsr-3578	360	156	3,225	3,225	NUM
fsr-3578	360	157	48.49	48.49	NUM
fsr-3578	360	158	%	%	NOUN
fsr-3578	360	159	education	education	NOUN
fsr-3578	360	160	of	of	ADP
fsr-3578	360	161	respondent	respondent	NOUN
fsr-3578	360	162	no	no	DET
fsr-3578	360	163	high	high	ADJ
fsr-3578	360	164	school	school	NOUN
fsr-3578	360	165	degree	degree	NOUN
fsr-3578	360	166	159	159	NUM
fsr-3578	360	167	2.39	2.39	NUM
fsr-3578	360	168	%	%	NOUN
fsr-3578	360	169	420	420	NUM
fsr-3578	360	170	6.32	6.32	NUM
fsr-3578	360	171	%	%	NOUN
fsr-3578	360	172	high	high	ADJ
fsr-3578	360	173	school	school	NOUN
fsr-3578	360	174	degree	degree	NOUN
fsr-3578	360	175	1,244	1,244	NUM
fsr-3578	360	176	18.70	18.70	NUM
fsr-3578	360	177	%	%	NOUN
fsr-3578	360	178	1,614	1,614	NUM
fsr-3578	360	179	24.27	24.27	NUM
fsr-3578	360	180	%	%	NOUN
fsr-3578	360	181	some	some	DET
fsr-3578	360	182	college	college	NOUN
fsr-3578	360	183	1,990	1,990	NUM
fsr-3578	360	184	29.92	29.92	NUM
fsr-3578	360	185	%	%	NOUN
fsr-3578	360	186	1,875	1,875	NUM
fsr-3578	360	187	28.19	28.19	NUM
fsr-3578	360	188	%	%	NOUN
fsr-3578	360	189	financial	financial	ADJ
fsr-3578	360	190	services	service	NOUN
fsr-3578	360	191	review	review	PROPN
fsr-3578	360	192	,	,	PUNCT
fsr-3578	360	193	33(1	33(1	NUM
fsr-3578	360	194	)	)	PUNCT
fsr-3578	360	195	200	200	NUM
fsr-3578	360	196	bachelor	bachelor	NOUN
fsr-3578	360	197	’s	’s	NOUN
fsr-3578	360	198	degree	degree	NOUN
fsr-3578	360	199	or	or	CCONJ
fsr-3578	360	200	higher	high	ADJ
fsr-3578	360	201	3,258	3,258	NUM
fsr-3578	360	202	48.99	48.99	NUM
fsr-3578	360	203	%	%	NOUN
fsr-3578	360	204	2,742	2,742	NUM
fsr-3578	360	205	41.22	41.22	NUM
fsr-3578	360	206	%	%	NOUN
fsr-3578	360	207	parental	parental	ADJ
fsr-3578	360	208	education	education	NOUN
fsr-3578	360	209	(	(	PUNCT
fsr-3578	360	210	higher	high	ADJ
fsr-3578	360	211	of	of	ADP
fsr-3578	360	212	mother	mother	NOUN
fsr-3578	360	213	or	or	CCONJ
fsr-3578	360	214	father	father	NOUN
fsr-3578	360	215	's	's	PART
fsr-3578	360	216	)	)	PUNCT
fsr-3578	360	217	no	no	DET
fsr-3578	360	218	high	high	ADJ
fsr-3578	360	219	school	school	NOUN
fsr-3578	360	220	degree	degree	NOUN
fsr-3578	360	221	544	544	NUM
fsr-3578	360	222	8.52	8.52	NUM
fsr-3578	360	223	%	%	NOUN
fsr-3578	360	224	648	648	NUM
fsr-3578	360	225	10.16	10.16	NUM
fsr-3578	360	226	%	%	NOUN
fsr-3578	360	227	highschool	highschool	NOUN
fsr-3578	360	228	degree	degree	NOUN
fsr-3578	360	229	1,855	1,855	NUM
fsr-3578	360	230	29.06	29.06	NUM
fsr-3578	360	231	%	%	NOUN
fsr-3578	360	232	1,856	1,856	NUM
fsr-3578	360	233	29.09	29.09	NUM
fsr-3578	360	234	%	%	NOUN
fsr-3578	360	235	some	some	DET
fsr-3578	360	236	college	college	NOUN
fsr-3578	360	237	1,642	1,642	NUM
fsr-3578	360	238	25.72	25.72	NUM
fsr-3578	360	239	%	%	NOUN
fsr-3578	360	240	1,618	1,618	NUM
fsr-3578	360	241	25.34	25.34	NUM
fsr-3578	360	242	%	%	NOUN
fsr-3578	360	243	bachelor	bachelor	NOUN
fsr-3578	360	244	’s	’s	NOUN
fsr-3578	360	245	degree	degree	NOUN
fsr-3578	360	246	1,272	1,272	NUM
fsr-3578	360	247	19.93	19.93	NUM
fsr-3578	360	248	%	%	NOUN
fsr-3578	360	249	1,208	1,208	NUM
fsr-3578	360	250	18.93	18.93	NUM
fsr-3578	360	251	%	%	NOUN
fsr-3578	360	252	advanced	advanced	ADJ
fsr-3578	360	253	degree	degree	NOUN
fsr-3578	360	254	1,070	1,070	NUM
fsr-3578	360	255	16.76	16.76	NUM
fsr-3578	360	256	%	%	NOUN
fsr-3578	360	257	1,052	1,052	NUM
fsr-3578	360	258	16.49	16.49	NUM
fsr-3578	360	259	%	%	NOUN
fsr-3578	360	260	income	income	NOUN
fsr-3578	360	261	$	$	SYM
fsr-3578	360	262	0-$24,999	0-$24,999	NOUN
fsr-3578	360	263	620	620	NUM
fsr-3578	360	264	9.32	9.32	NUM
fsr-3578	360	265	%	%	NOUN
fsr-3578	360	266	564	564	NUM
fsr-3578	360	267	8.47	8.47	NUM
fsr-3578	360	268	%	%	NOUN
fsr-3578	360	269	$	$	SYM
fsr-3578	360	270	25,000-$49,999	25,000-$49,999	NUM
fsr-3578	360	271	1,148	1,148	NUM
fsr-3578	360	272	17.26	17.26	NUM
fsr-3578	360	273	%	%	NOUN
fsr-3578	360	274	1,088	1,088	NUM
fsr-3578	360	275	16.35	16.35	NUM
fsr-3578	360	276	%	%	NOUN
fsr-3578	360	277	$	$	SYM
fsr-3578	360	278	50,000-$74,999	50,000-$74,999	NOUN
fsr-3578	360	279	1,216	1,216	NUM
fsr-3578	360	280	18.28	18.28	NUM
fsr-3578	360	281	%	%	NOUN
fsr-3578	360	282	1,129	1,129	NUM
fsr-3578	360	283	16.97	16.97	NUM
fsr-3578	360	284	%	%	NOUN
fsr-3578	360	285	$	$	SYM
fsr-3578	360	286	75,000-$99,999	75,000-$99,999	NUM
fsr-3578	360	287	1,079	1,079	NUM
fsr-3578	360	288	16.22	16.22	NUM
fsr-3578	360	289	%	%	NOUN
fsr-3578	360	290	998	998	NUM
fsr-3578	360	291	15.01	15.01	NUM
fsr-3578	360	292	%	%	NOUN
fsr-3578	360	293	$	$	SYM
fsr-3578	360	294	100,000-$149,999	100,000-$149,999	NUM
fsr-3578	360	295	1,395	1,395	NUM
fsr-3578	360	296	20.97	20.97	NUM
fsr-3578	360	297	%	%	NOUN
fsr-3578	360	298	1,372	1,372	NUM
fsr-3578	360	299	20.63	20.63	NUM
fsr-3578	360	300	%	%	NOUN
fsr-3578	360	301	$	$	SYM
fsr-3578	360	302	150,000	150,000	NUM
fsr-3578	360	303	or	or	CCONJ
fsr-3578	360	304	more	more	ADJ
fsr-3578	360	305	1,193	1,193	NUM
fsr-3578	360	306	17.94	17.94	NUM
fsr-3578	360	307	%	%	NOUN
fsr-3578	360	308	1,501	1,501	NUM
fsr-3578	360	309	22.56	22.56	NUM
fsr-3578	360	310	%	%	NOUN
fsr-3578	360	311	health	health	NOUN
fsr-3578	360	312	excellent	excellent	NOUN
fsr-3578	360	313	3,208	3,208	NUM
fsr-3578	360	314	54.94	54.94	NUM
fsr-3578	360	315	%	%	NOUN
fsr-3578	360	316	3,196	3,196	NUM
fsr-3578	360	317	57.74	57.74	NUM
fsr-3578	360	318	%	%	NOUN
fsr-3578	360	319	fair	fair	ADJ
fsr-3578	360	320	2,550	2,550	NUM
fsr-3578	360	321	43.67	43.67	NUM
fsr-3578	360	322	%	%	NOUN
fsr-3578	360	323	2,558	2,558	NUM
fsr-3578	360	324	43.81	43.81	NUM
fsr-3578	360	325	%	%	NOUN
fsr-3578	360	326	poor	poor	ADJ
fsr-3578	360	327	81	81	NUM
fsr-3578	360	328	1.39	1.39	NUM
fsr-3578	360	329	%	%	NOUN
fsr-3578	360	330	85	85	NUM
fsr-3578	360	331	1.45	1.45	NUM
fsr-3578	360	332	%	%	NOUN
fsr-3578	360	333	objective	objective	ADJ
fsr-3578	360	334	financial	financial	ADJ
fsr-3578	360	335	knowledge	knowledge	NOUN
fsr-3578	360	336	6,651	6,651	NUM
fsr-3578	360	337	1.93	1.93	NUM
fsr-3578	360	338	1.08	1.08	NUM
fsr-3578	360	339	6,651	6,651	NUM
fsr-3578	360	340	1.84	1.84	NUM
fsr-3578	360	341	1.10	1.10	NUM
fsr-3578	360	342	0	0	NUM
fsr-3578	360	343	3	3	NUM
fsr-3578	360	344	risk	risk	NOUN
fsr-3578	360	345	tolerance	tolerance	NOUN
fsr-3578	360	346	6,628	6,628	NUM
fsr-3578	360	347	4.59	4.59	NUM
fsr-3578	360	348	2.53	2.53	NUM
fsr-3578	360	349	6,628	6,628	NUM
fsr-3578	360	350	4.58	4.58	NUM
fsr-3578	360	351	2.56	2.56	NUM
fsr-3578	360	352	0	0	NUM
fsr-3578	360	353	10	10	NUM
fsr-3578	360	354	note	note	NOUN
fsr-3578	360	355	:	:	PUNCT
fsr-3578	360	356	2019	2019	NUM
fsr-3578	360	357	shed	shed	NOUN
fsr-3578	360	358	.	.	PUNCT
fsr-3578	361	1	restricted	restrict	VERB
fsr-3578	361	2	sample	sample	NOUN
fsr-3578	361	3	to	to	ADP
fsr-3578	361	4	only	only	ADV
fsr-3578	361	5	those	those	PRON
fsr-3578	361	6	working	work	VERB
fsr-3578	361	7	as	as	ADP
fsr-3578	361	8	a	a	DET
fsr-3578	361	9	paid	pay	VERB
fsr-3578	361	10	employee	employee	NOUN
fsr-3578	361	11	.	.	PUNCT
fsr-3578	362	1	lynn	lynn	PROPN
fsr-3578	362	2	et	et	PROPN
fsr-3578	362	3	al	al	PROPN
fsr-3578	362	4	.	.	PROPN
fsr-3578	362	5	201	201	NUM
fsr-3578	362	6	table	table	NOUN
fsr-3578	362	7	a2	a2	PROPN
fsr-3578	362	8	sample	sample	NOUN
fsr-3578	362	9	demographics	demographic	NOUN
fsr-3578	362	10	of	of	ADP
fsr-3578	362	11	the	the	DET
fsr-3578	362	12	scf	scf	PROPN
fsr-3578	362	13	sample	sample	NOUN
fsr-3578	362	14	(	(	PUNCT
fsr-3578	362	15	n	n	NOUN
fsr-3578	362	16	=	=	SYM
fsr-3578	362	17	3,361	3,361	NUM
fsr-3578	362	18	)	)	PUNCT
fsr-3578	362	19	unweighted	unweighte	VERB
fsr-3578	362	20	weighted	weight	VERB
fsr-3578	362	21	variable	variable	NOUN
fsr-3578	362	22	n	n	PRON
fsr-3578	362	23	m/%	m/%	PROPN
fsr-3578	362	24	sd	sd	ADP
fsr-3578	362	25	n	n	DET
fsr-3578	362	26	m/%	m/%	PROPN
fsr-3578	362	27	sd	sd	ADP
fsr-3578	362	28	min	min	NOUN
fsr-3578	362	29	max	max	PROPN
fsr-3578	362	30	age	age	NOUN
fsr-3578	362	31	3,361	3,361	NUM
fsr-3578	362	32	47.46	47.46	NUM
fsr-3578	362	33	13.40	13.40	NUM
fsr-3578	362	34	3,361	3,361	NUM
fsr-3578	362	35	43.96	43.96	NUM
fsr-3578	362	36	13.02	13.02	NUM
fsr-3578	362	37	18	18	NUM
fsr-3578	362	38	90	90	NUM
fsr-3578	362	39	marital	marital	ADJ
fsr-3578	362	40	status	status	NOUN
fsr-3578	362	41	married	marry	VERB
fsr-3578	362	42	1,913	1,913	NUM
fsr-3578	362	43	56.91	56.91	NUM
fsr-3578	362	44	%	%	NOUN
fsr-3578	362	45	1,644	1,644	NUM
fsr-3578	362	46	48.90	48.90	NUM
fsr-3578	362	47	%	%	NOUN
fsr-3578	362	48	living	live	VERB
fsr-3578	362	49	with	with	ADP
fsr-3578	362	50	partner	partner	NOUN
fsr-3578	362	51	or	or	CCONJ
fsr-3578	362	52	never	never	ADV
fsr-3578	362	53	married	marry	VERB
fsr-3578	362	54	924	924	NUM
fsr-3578	362	55	27.49	27.49	NUM
fsr-3578	362	56	%	%	NOUN
fsr-3578	362	57	1,136	1,136	NUM
fsr-3578	362	58	33.78	33.78	NUM
fsr-3578	362	59	%	%	NOUN
fsr-3578	362	60	separated	separate	VERB
fsr-3578	362	61	/	/	SYM
fsr-3578	362	62	divorced	divorce	VERB
fsr-3578	362	63	42	42	NUM
fsr-3578	362	64	13.64	13.64	NUM
fsr-3578	362	65	%	%	NOUN
fsr-3578	362	66	509	509	NUM
fsr-3578	362	67	15.15	15.15	NUM
fsr-3578	362	68	%	%	NOUN
fsr-3578	362	69	widowed	widow	VERB
fsr-3578	362	70	66	66	NUM
fsr-3578	362	71	1.96	1.96	NUM
fsr-3578	362	72	%	%	NOUN
fsr-3578	362	73	73	73	NUM
fsr-3578	362	74	2.16	2.16	NUM
fsr-3578	362	75	%	%	NOUN
fsr-3578	362	76	race	race	NOUN
fsr-3578	362	77	white	white	ADJ
fsr-3578	362	78	2,333	2,333	NUM
fsr-3578	362	79	69.41	69.41	NUM
fsr-3578	362	80	%	%	NOUN
fsr-3578	362	81	2,169	2,169	NUM
fsr-3578	362	82	64.54	64.54	NUM
fsr-3578	362	83	%	%	NOUN
fsr-3578	362	84	black	black	ADJ
fsr-3578	362	85	436	436	NUM
fsr-3578	362	86	12.98	12.98	NUM
fsr-3578	362	87	%	%	NOUN
fsr-3578	362	88	541	541	NUM
fsr-3578	362	89	16.09	16.09	NUM
fsr-3578	362	90	%	%	NOUN
fsr-3578	362	91	hispanic	hispanic	NOUN
fsr-3578	362	92	362	362	NUM
fsr-3578	362	93	10.78	10.78	NUM
fsr-3578	362	94	%	%	NOUN
fsr-3578	362	95	427	427	NUM
fsr-3578	362	96	12.71	12.71	NUM
fsr-3578	362	97	%	%	NOUN
fsr-3578	362	98	asian	asian	ADJ
fsr-3578	362	99	/	/	SYM
fsr-3578	362	100	other	other	ADJ
fsr-3578	362	101	households	household	NOUN
fsr-3578	362	102	229	229	NUM
fsr-3578	362	103	6.82	6.82	NUM
fsr-3578	362	104	%	%	NOUN
fsr-3578	362	105	224	224	NUM
fsr-3578	362	106	6.66	6.66	NUM
fsr-3578	362	107	%	%	NOUN
fsr-3578	362	108	gender	gender	NOUN
fsr-3578	362	109	male	male	NOUN
fsr-3578	362	110	2,168	2,168	NUM
fsr-3578	362	111	64.50	64.50	NUM
fsr-3578	362	112	%	%	NOUN
fsr-3578	362	113	1,935	1,935	NUM
fsr-3578	362	114	57.57	57.57	NUM
fsr-3578	362	115	%	%	NOUN
fsr-3578	362	116	female	female	NOUN
fsr-3578	362	117	1,193	1,193	NUM
fsr-3578	362	118	35.50	35.50	NUM
fsr-3578	362	119	%	%	NOUN
fsr-3578	362	120	1,426	1,426	NUM
fsr-3578	362	121	42.43	42.43	NUM
fsr-3578	362	122	%	%	NOUN
fsr-3578	362	123	education	education	NOUN
fsr-3578	362	124	of	of	ADP
fsr-3578	362	125	respondent	respondent	NOUN
fsr-3578	362	126	no	no	DET
fsr-3578	362	127	high	high	ADJ
fsr-3578	362	128	school	school	NOUN
fsr-3578	362	129	degree	degree	NOUN
fsr-3578	362	130	190	190	NUM
fsr-3578	362	131	5.66	5.66	NUM
fsr-3578	362	132	%	%	NOUN
fsr-3578	362	133	217	217	NUM
fsr-3578	362	134	6.46	6.46	NUM
fsr-3578	362	135	%	%	NOUN
fsr-3578	362	136	high	high	ADJ
fsr-3578	362	137	school	school	NOUN
fsr-3578	362	138	degree	degree	NOUN
fsr-3578	362	139	576	576	NUM
fsr-3578	362	140	17.14	17.14	NUM
fsr-3578	362	141	%	%	NOUN
fsr-3578	362	142	673	673	NUM
fsr-3578	362	143	20.01	20.01	NUM
fsr-3578	362	144	%	%	NOUN
fsr-3578	362	145	some	some	DET
fsr-3578	362	146	college	college	NOUN
fsr-3578	362	147	809	809	NUM
fsr-3578	362	148	24.07	24.07	NUM
fsr-3578	362	149	%	%	NOUN
fsr-3578	362	150	960	960	NUM
fsr-3578	362	151	28.56	28.56	NUM
fsr-3578	362	152	%	%	NOUN
fsr-3578	362	153	bachelor	bachelor	NOUN
fsr-3578	362	154	’s	’s	NOUN
fsr-3578	362	155	degree	degree	NOUN
fsr-3578	362	156	938	938	NUM
fsr-3578	362	157	27.91	27.91	NUM
fsr-3578	362	158	%	%	NOUN
fsr-3578	362	159	899	899	NUM
fsr-3578	362	160	26.73	26.73	NUM
fsr-3578	362	161	%	%	NOUN
fsr-3578	362	162	advanced	advanced	ADJ
fsr-3578	362	163	degree	degree	NOUN
fsr-3578	362	164	848	848	NUM
fsr-3578	362	165	25.23	25.23	NUM
fsr-3578	362	166	%	%	NOUN
fsr-3578	362	167	613	613	NUM
fsr-3578	362	168	18.23	18.23	NUM
fsr-3578	362	169	%	%	NOUN
fsr-3578	362	170	parental	parental	ADJ
fsr-3578	362	171	education	education	NOUN
fsr-3578	362	172	(	(	PUNCT
fsr-3578	362	173	higher	high	ADJ
fsr-3578	362	174	of	of	ADP
fsr-3578	362	175	mother	mother	NOUN
fsr-3578	362	176	or	or	CCONJ
fsr-3578	362	177	father	father	NOUN
fsr-3578	362	178	's	's	PART
fsr-3578	362	179	)	)	PUNCT
fsr-3578	362	180	no	no	DET
fsr-3578	362	181	high	high	ADJ
fsr-3578	362	182	school	school	NOUN
fsr-3578	362	183	degree	degree	NOUN
fsr-3578	362	184	399	399	NUM
fsr-3578	362	185	11.87	11.87	NUM
fsr-3578	362	186	%	%	NOUN
fsr-3578	362	187	441	441	NUM
fsr-3578	362	188	13.11	13.11	NUM
fsr-3578	362	189	%	%	NOUN
fsr-3578	362	190	highschool	highschool	NOUN
fsr-3578	362	191	degree	degree	NOUN
fsr-3578	362	192	1,003	1,003	NUM
fsr-3578	362	193	29.84	29.84	NUM
fsr-3578	362	194	%	%	NOUN
fsr-3578	362	195	1,059	1,059	NUM
fsr-3578	362	196	31.50	31.50	NUM
fsr-3578	362	197	%	%	NOUN
fsr-3578	362	198	some	some	DET
fsr-3578	362	199	college	college	NOUN
fsr-3578	362	200	568	568	NUM
fsr-3578	362	201	16.90	16.90	NUM
fsr-3578	362	202	%	%	NOUN
fsr-3578	362	203	623	623	NUM
fsr-3578	362	204	18.53	18.53	NUM
fsr-3578	362	205	%	%	NOUN
fsr-3578	362	206	financial	financial	ADJ
fsr-3578	362	207	services	service	NOUN
fsr-3578	362	208	review	review	PROPN
fsr-3578	362	209	,	,	PUNCT
fsr-3578	362	210	33(1	33(1	NUM
fsr-3578	362	211	)	)	PUNCT
fsr-3578	362	212	202	202	NUM
fsr-3578	362	213	bachelor	bachelor	NOUN
fsr-3578	362	214	’s	’s	NOUN
fsr-3578	362	215	degree	degree	NOUN
fsr-3578	362	216	or	or	CCONJ
fsr-3578	362	217	beyond	beyond	ADP
fsr-3578	362	218	1,391	1,391	NUM
fsr-3578	362	219	41.39	41.39	NUM
fsr-3578	362	220	%	%	NOUN
fsr-3578	362	221	1,239	1,239	NUM
fsr-3578	362	222	36.85	36.85	NUM
fsr-3578	362	223	%	%	NOUN
fsr-3578	362	224	health	health	NOUN
fsr-3578	362	225	excellent	excellent	ADJ
fsr-3578	362	226	2,819	2,819	NUM
fsr-3578	362	227	83.88	83.88	NUM
fsr-3578	362	228	%	%	NOUN
fsr-3578	362	229	2,754	2,754	NUM
fsr-3578	362	230	81.93	81.93	NUM
fsr-3578	362	231	%	%	NOUN
fsr-3578	362	232	fair	fair	ADJ
fsr-3578	362	233	503	503	NUM
fsr-3578	362	234	14.98	14.98	NUM
fsr-3578	362	235	%	%	NOUN
fsr-3578	362	236	562	562	NUM
fsr-3578	362	237	16.73	16.73	NUM
fsr-3578	362	238	%	%	NOUN
fsr-3578	362	239	poor	poor	ADJ
fsr-3578	362	240	39	39	NUM
fsr-3578	362	241	1.15	1.15	NUM
fsr-3578	362	242	%	%	NOUN
fsr-3578	362	243	45	45	NUM
fsr-3578	362	244	1.34	1.34	NUM
fsr-3578	362	245	%	%	NOUN
fsr-3578	362	246	income	income	NOUN
fsr-3578	362	247	(	(	PUNCT
fsr-3578	362	248	log	log	NOUN
fsr-3578	362	249	)	)	PUNCT
fsr-3578	362	250	3,361	3,361	NUM
fsr-3578	362	251	$	$	SYM
fsr-3578	362	252	1,272,932	1,272,932	NUM
fsr-3578	362	253	$	$	SYM
fsr-3578	362	254	13,000,000	13,000,000	NUM
fsr-3578	362	255	3,361	3,361	NUM
fsr-3578	362	256	$	$	SYM
fsr-3578	362	257	76,359	76,359	NUM
fsr-3578	362	258	$	$	SYM
fsr-3578	362	259	557,981	557,981	NUM
fsr-3578	362	260	0.00	0.00	NUM
fsr-3578	362	261	$	$	SYM
fsr-3578	362	262	704,000,000	704,000,000	NUM
fsr-3578	362	263	objective	objective	ADJ
fsr-3578	362	264	financial	financial	ADJ
fsr-3578	362	265	knowledge	knowledge	NOUN
fsr-3578	362	266	3,361	3,361	NUM
fsr-3578	362	267	2.38	2.38	NUM
fsr-3578	362	268	0.81	0.81	NUM
fsr-3578	362	269	3,361	3,361	NUM
fsr-3578	362	270	2.23	2.23	NUM
fsr-3578	362	271	0.85	0.85	NUM
fsr-3578	362	272	0.00	0.00	NUM
fsr-3578	362	273	3.00	3.00	NUM
fsr-3578	362	274	subjective	subjective	ADJ
fsr-3578	362	275	financial	financial	ADJ
fsr-3578	362	276	knowledge	knowledge	NOUN
fsr-3578	362	277	3,361	3,361	NUM
fsr-3578	362	278	7.42	7.42	NUM
fsr-3578	362	279	1.99	1.99	NUM
fsr-3578	362	280	3,361	3,361	NUM
fsr-3578	362	281	7.11	7.11	NUM
fsr-3578	362	282	1.98	1.98	NUM
fsr-3578	362	283	0.00	0.00	NUM
fsr-3578	362	284	10.00	10.00	NUM
fsr-3578	362	285	risk	risk	NOUN
fsr-3578	362	286	tolerance	tolerance	NOUN
fsr-3578	362	287	3,361	3,361	NUM
fsr-3578	362	288	5.27	5.27	NUM
fsr-3578	362	289	2.54	2.54	NUM
fsr-3578	362	290	3,361	3,361	NUM
fsr-3578	362	291	4.78	4.78	NUM
fsr-3578	362	292	2.51	2.51	NUM
fsr-3578	362	293	0.00	0.00	NUM
fsr-3578	362	294	10.00	10.00	NUM
fsr-3578	362	295	note	note	NOUN
fsr-3578	362	296	:	:	PUNCT
fsr-3578	362	297	2019	2019	NUM
fsr-3578	362	298	scf	scf	PROPN
fsr-3578	362	299	.	.	PUNCT
fsr-3578	363	1	restricted	restrict	VERB
fsr-3578	363	2	sample	sample	NOUN
fsr-3578	363	3	to	to	ADP
fsr-3578	363	4	only	only	ADV
fsr-3578	363	5	those	those	PRON
fsr-3578	363	6	working	work	VERB
fsr-3578	363	7	full	full	ADJ
fsr-3578	363	8	-	-	PUNCT
fsr-3578	363	9	time	time	NOUN
fsr-3578	363	10	.	.	PUNCT
fsr-3578	364	1	lynn	lynn	PROPN
fsr-3578	364	2	et	et	PROPN
fsr-3578	364	3	al	al	PROPN
fsr-3578	364	4	.	.	PROPN
fsr-3578	364	5	203	203	NUM
fsr-3578	364	6	table	table	NOUN
fsr-3578	364	7	a3	a3	NOUN
fsr-3578	364	8	sample	sample	NOUN
fsr-3578	364	9	demographics	demographic	NOUN
fsr-3578	364	10	of	of	ADP
fsr-3578	364	11	the	the	DET
fsr-3578	364	12	nfcs	nfcs	PROPN
fsr-3578	364	13	sample	sample	NOUN
fsr-3578	364	14	(	(	PUNCT
fsr-3578	364	15	n	n	NOUN
fsr-3578	364	16	=	=	SYM
fsr-3578	364	17	10,800	10,800	NUM
fsr-3578	364	18	)	)	PUNCT
fsr-3578	364	19	unweighted	unweighte	VERB
fsr-3578	364	20	weighted	weight	VERB
fsr-3578	364	21	variable	variable	NOUN
fsr-3578	364	22	n	n	PRON
fsr-3578	364	23	m/%	m/%	PROPN
fsr-3578	364	24	sd	sd	ADP
fsr-3578	364	25	n	n	DET
fsr-3578	364	26	m/%	m/%	PROPN
fsr-3578	364	27	sd	sd	ADP
fsr-3578	364	28	min	min	NOUN
fsr-3578	364	29	max	max	PROPN
fsr-3578	364	30	age	age	NOUN
fsr-3578	364	31	under	under	ADP
fsr-3578	364	32	35	35	NUM
fsr-3578	364	33	3,540	3,540	NUM
fsr-3578	364	34	32.78	32.78	NUM
fsr-3578	364	35	%	%	NOUN
fsr-3578	364	36	3,757	3,757	NUM
fsr-3578	364	37	34.79	34.79	NUM
fsr-3578	364	38	%	%	NOUN
fsr-3578	364	39	35	35	NUM
fsr-3578	364	40	-	-	SYM
fsr-3578	364	41	44	44	NUM
fsr-3578	364	42	2,648	2,648	NUM
fsr-3578	364	43	24.52	24.52	NUM
fsr-3578	364	44	%	%	NOUN
fsr-3578	364	45	2,596	2,596	NUM
fsr-3578	364	46	24.04	24.04	NUM
fsr-3578	364	47	%	%	NOUN
fsr-3578	364	48	45	45	NUM
fsr-3578	364	49	-	-	SYM
fsr-3578	364	50	54	54	NUM
fsr-3578	364	51	2,532	2,532	NUM
fsr-3578	364	52	23.44	23.44	NUM
fsr-3578	364	53	%	%	NOUN
fsr-3578	364	54	2,452	2,452	NUM
fsr-3578	364	55	22.70	22.70	NUM
fsr-3578	364	56	%	%	NOUN
fsr-3578	364	57	55	55	NUM
fsr-3578	364	58	-	-	SYM
fsr-3578	364	59	64	64	NUM
fsr-3578	364	60	1,757	1,757	NUM
fsr-3578	364	61	16.27	16.27	NUM
fsr-3578	364	62	%	%	NOUN
fsr-3578	364	63	1,694	1,694	NUM
fsr-3578	364	64	15.68	15.68	NUM
fsr-3578	364	65	%	%	NOUN
fsr-3578	364	66	65	65	NUM
fsr-3578	364	67	+	+	NOUN
fsr-3578	364	68	323	323	NUM
fsr-3578	364	69	2.99	2.99	NUM
fsr-3578	364	70	%	%	NOUN
fsr-3578	364	71	301	301	NUM
fsr-3578	364	72	2.79	2.79	NUM
fsr-3578	364	73	%	%	NOUN
fsr-3578	364	74	marital	marital	ADJ
fsr-3578	364	75	status	status	NOUN
fsr-3578	364	76	married	marry	VERB
fsr-3578	364	77	5,984	5,984	NUM
fsr-3578	364	78	55.41	55.41	NUM
fsr-3578	364	79	%	%	NOUN
fsr-3578	364	80	5,798	5,798	NUM
fsr-3578	364	81	53.69	53.69	NUM
fsr-3578	364	82	%	%	NOUN
fsr-3578	364	83	single	single	ADJ
fsr-3578	364	84	3,499	3,499	NUM
fsr-3578	364	85	32.40	32.40	NUM
fsr-3578	364	86	%	%	NOUN
fsr-3578	364	87	3,750	3,750	NUM
fsr-3578	364	88	34.72	34.72	NUM
fsr-3578	364	89	%	%	NOUN
fsr-3578	364	90	separated	separate	VERB
fsr-3578	364	91	/	/	SYM
fsr-3578	364	92	divorced	divorce	VERB
fsr-3578	364	93	1,169	1,169	NUM
fsr-3578	364	94	10.82	10.82	NUM
fsr-3578	364	95	%	%	NOUN
fsr-3578	364	96	1,110	1,110	NUM
fsr-3578	364	97	10.28	10.28	NUM
fsr-3578	364	98	%	%	NOUN
fsr-3578	364	99	widowed	widow	VERB
fsr-3578	364	100	/	/	SYM
fsr-3578	364	101	widower	widower	NOUN
fsr-3578	364	102	148	148	NUM
fsr-3578	364	103	1.37	1.37	NUM
fsr-3578	364	104	%	%	NOUN
fsr-3578	364	105	142	142	NUM
fsr-3578	364	106	1.31	1.31	NUM
fsr-3578	364	107	%	%	NOUN
fsr-3578	364	108	race	race	NOUN
fsr-3578	364	109	white	white	ADJ
fsr-3578	364	110	7,737	7,737	NUM
fsr-3578	364	111	71.64	71.64	NUM
fsr-3578	364	112	%	%	NOUN
fsr-3578	364	113	6,488	6,488	NUM
fsr-3578	364	114	60.07	60.07	NUM
fsr-3578	364	115	%	%	NOUN
fsr-3578	364	116	non	non	ADJ
fsr-3578	364	117	-	-	ADJ
fsr-3578	364	118	white	white	ADJ
fsr-3578	364	119	3,063	3,063	NUM
fsr-3578	364	120	28.36	28.36	NUM
fsr-3578	364	121	%	%	NOUN
fsr-3578	364	122	4,312	4,312	NUM
fsr-3578	364	123	39.93	39.93	NUM
fsr-3578	364	124	%	%	NOUN
fsr-3578	364	125	gender	gender	NOUN
fsr-3578	364	126	male	male	NOUN
fsr-3578	364	127	5,680	5,680	NUM
fsr-3578	364	128	52.59	52.59	NUM
fsr-3578	364	129	%	%	NOUN
fsr-3578	364	130	6,292	6,292	NUM
fsr-3578	364	131	58.26	58.26	NUM
fsr-3578	364	132	%	%	NOUN
fsr-3578	364	133	female	female	NOUN
fsr-3578	364	134	5,120	5,120	NUM
fsr-3578	364	135	47.41	47.41	NUM
fsr-3578	364	136	%	%	NOUN
fsr-3578	364	137	4,508	4,508	NUM
fsr-3578	364	138	41.74	41.74	NUM
fsr-3578	364	139	%	%	NOUN
fsr-3578	364	140	education	education	NOUN
fsr-3578	364	141	of	of	ADP
fsr-3578	364	142	respondent	respondent	NOUN
fsr-3578	364	143	no	no	DET
fsr-3578	364	144	high	high	ADJ
fsr-3578	364	145	school	school	NOUN
fsr-3578	364	146	degree	degree	NOUN
fsr-3578	364	147	88	88	NUM
fsr-3578	364	148	0.81	0.81	NUM
fsr-3578	364	149	%	%	NOUN
fsr-3578	364	150	92	92	NUM
fsr-3578	364	151	0.85	0.85	NUM
fsr-3578	364	152	%	%	NOUN
fsr-3578	364	153	high	high	ADJ
fsr-3578	364	154	school	school	NOUN
fsr-3578	364	155	degree	degree	NOUN
fsr-3578	364	156	2,009	2,009	NUM
fsr-3578	364	157	18.60	18.60	NUM
fsr-3578	364	158	%	%	NOUN
fsr-3578	364	159	2,281	2,281	NUM
fsr-3578	364	160	21.12	21.12	NUM
fsr-3578	364	161	%	%	NOUN
fsr-3578	364	162	some	some	DET
fsr-3578	364	163	college	college	NOUN
fsr-3578	364	164	3,892	3,892	NUM
fsr-3578	364	165	36.04	36.04	NUM
fsr-3578	364	166	%	%	NOUN
fsr-3578	364	167	4,203	4,203	NUM
fsr-3578	364	168	38.92	38.92	NUM
fsr-3578	364	169	%	%	NOUN
fsr-3578	364	170	bachelor	bachelor	NOUN
fsr-3578	364	171	’s	’s	NOUN
fsr-3578	364	172	degree	degree	NOUN
fsr-3578	364	173	3,021	3,021	NUM
fsr-3578	364	174	27.97	27.97	NUM
fsr-3578	364	175	%	%	NOUN
fsr-3578	364	176	2,599	2,599	NUM
fsr-3578	364	177	24.06	24.06	NUM
fsr-3578	364	178	%	%	NOUN
fsr-3578	364	179	advanced	advanced	ADJ
fsr-3578	364	180	degree	degree	NOUN
fsr-3578	364	181	1,790	1,790	NUM
fsr-3578	364	182	16.57	16.57	NUM
fsr-3578	364	183	%	%	NOUN
fsr-3578	364	184	1,625	1,625	NUM
fsr-3578	364	185	15.04	15.04	NUM
fsr-3578	364	186	%	%	NOUN
fsr-3578	364	187	parental	parental	ADJ
fsr-3578	364	188	education	education	NOUN
fsr-3578	364	189	(	(	PUNCT
fsr-3578	364	190	higher	high	ADJ
fsr-3578	364	191	of	of	ADP
fsr-3578	364	192	mother	mother	NOUN
fsr-3578	364	193	or	or	CCONJ
fsr-3578	364	194	father	father	NOUN
fsr-3578	364	195	's	's	PART
fsr-3578	364	196	)	)	PUNCT
fsr-3578	364	197	no	no	DET
fsr-3578	364	198	high	high	ADJ
fsr-3578	364	199	school	school	NOUN
fsr-3578	364	200	degree	degree	NOUN
fsr-3578	364	201	482	482	NUM
fsr-3578	364	202	4.52	4.52	NUM
fsr-3578	364	203	%	%	NOUN
fsr-3578	364	204	576	576	NUM
fsr-3578	364	205	5.40	5.40	NUM
fsr-3578	364	206	%	%	NOUN
fsr-3578	364	207	financial	financial	ADJ
fsr-3578	364	208	services	service	NOUN
fsr-3578	364	209	review	review	PROPN
fsr-3578	364	210	,	,	PUNCT
fsr-3578	364	211	33(1	33(1	NUM
fsr-3578	364	212	)	)	PUNCT
fsr-3578	364	213	204	204	NUM
fsr-3578	364	214	highschool	highschool	NOUN
fsr-3578	364	215	degree	degree	NOUN
fsr-3578	364	216	2,941	2,941	NUM
fsr-3578	364	217	27.59	27.59	NUM
fsr-3578	364	218	%	%	NOUN
fsr-3578	364	219	3,064	3,064	NUM
fsr-3578	364	220	28.75	28.75	NUM
fsr-3578	364	221	%	%	NOUN
fsr-3578	364	222	some	some	DET
fsr-3578	364	223	college	college	NOUN
fsr-3578	364	224	3,064	3,064	NUM
fsr-3578	364	225	28.75	28.75	NUM
fsr-3578	364	226	%	%	NOUN
fsr-3578	364	227	3,174	3,174	NUM
fsr-3578	364	228	29.78	29.78	NUM
fsr-3578	364	229	%	%	NOUN
fsr-3578	364	230	bachelor	bachelor	NOUN
fsr-3578	364	231	’s	’s	NOUN
fsr-3578	364	232	degree	degree	NOUN
fsr-3578	364	233	2,643	2,643	NUM
fsr-3578	364	234	24.80	24.80	NUM
fsr-3578	364	235	%	%	NOUN
fsr-3578	364	236	2,425	2,425	NUM
fsr-3578	364	237	22.75	22.75	NUM
fsr-3578	364	238	%	%	NOUN
fsr-3578	364	239	advanced	advanced	ADJ
fsr-3578	364	240	degree	degree	NOUN
fsr-3578	364	241	1,529	1,529	NUM
fsr-3578	364	242	14.34	14.34	NUM
fsr-3578	364	243	%	%	NOUN
fsr-3578	364	244	1,420	1,420	NUM
fsr-3578	364	245	13.32	13.32	NUM
fsr-3578	364	246	%	%	NOUN
fsr-3578	364	247	income	income	NOUN
fsr-3578	364	248	$	$	SYM
fsr-3578	364	249	0-$24,999	0-$24,999	NOUN
fsr-3578	364	250	846	846	NUM
fsr-3578	364	251	7.83	7.83	NUM
fsr-3578	364	252	%	%	NOUN
fsr-3578	364	253	966	966	NUM
fsr-3578	364	254	8.94	8.94	NUM
fsr-3578	364	255	%	%	NOUN
fsr-3578	364	256	$	$	SYM
fsr-3578	364	257	25,000-$49,999	25,000-$49,999	NUM
fsr-3578	364	258	2,515	2,515	NUM
fsr-3578	364	259	23.29	23.29	NUM
fsr-3578	364	260	%	%	NOUN
fsr-3578	364	261	2,540	2,540	NUM
fsr-3578	364	262	23.52	23.52	NUM
fsr-3578	364	263	%	%	NOUN
fsr-3578	364	264	$	$	SYM
fsr-3578	364	265	50,000-$74,999	50,000-$74,999	NOUN
fsr-3578	364	266	2,401	2,401	NUM
fsr-3578	364	267	22.23	22.23	NUM
fsr-3578	364	268	%	%	NOUN
fsr-3578	364	269	2,446	2,446	NUM
fsr-3578	364	270	22.64	22.64	NUM
fsr-3578	364	271	%	%	NOUN
fsr-3578	364	272	$	$	SYM
fsr-3578	364	273	75,000-$99,999	75,000-$99,999	NUM
fsr-3578	364	274	2,010	2,010	NUM
fsr-3578	364	275	18.61	18.61	NUM
fsr-3578	364	276	%	%	NOUN
fsr-3578	364	277	1,964	1,964	NUM
fsr-3578	364	278	18.19	18.19	NUM
fsr-3578	364	279	%	%	NOUN
fsr-3578	364	280	$	$	SYM
fsr-3578	364	281	100,000-$149,999	100,000-$149,999	NUM
fsr-3578	364	282	1,958	1,958	NUM
fsr-3578	364	283	18.13	18.13	NUM
fsr-3578	364	284	%	%	NOUN
fsr-3578	364	285	1,877	1,877	NUM
fsr-3578	364	286	17.38	17.38	NUM
fsr-3578	364	287	%	%	NOUN
fsr-3578	364	288	$	$	SYM
fsr-3578	364	289	150,000	150,000	NUM
fsr-3578	364	290	or	or	CCONJ
fsr-3578	364	291	more	more	ADJ
fsr-3578	364	292	1,070	1,070	NUM
fsr-3578	364	293	9.91	9.91	NUM
fsr-3578	364	294	%	%	NOUN
fsr-3578	364	295	1,008	1,008	NUM
fsr-3578	364	296	9.33	9.33	NUM
fsr-3578	364	297	%	%	NOUN
fsr-3578	364	298	objective	objective	ADJ
fsr-3578	364	299	financial	financial	ADJ
fsr-3578	364	300	knowledge	knowledge	NOUN
fsr-3578	364	301	10,800	10,800	NUM
fsr-3578	364	302	3.24	3.24	NUM
fsr-3578	364	303	1.63	1.63	NUM
fsr-3578	364	304	10,800	10,800	NUM
fsr-3578	364	305	3.15	3.15	NUM
fsr-3578	364	306	1.64	1.64	NUM
fsr-3578	364	307	0	0	NUM
fsr-3578	364	308	6	6	NUM
fsr-3578	364	309	subjective	subjective	ADJ
fsr-3578	364	310	financial	financial	ADJ
fsr-3578	364	311	knowledge	knowledge	NOUN
fsr-3578	364	312	10,591	10,591	NUM
fsr-3578	364	313	5.22	5.22	NUM
fsr-3578	364	314	1.27	1.27	NUM
fsr-3578	364	315	10,591	10,591	NUM
fsr-3578	364	316	5.23	5.23	NUM
fsr-3578	364	317	1.29	1.29	NUM
fsr-3578	364	318	1	1	NUM
fsr-3578	364	319	7	7	NUM
fsr-3578	364	320	risk	risk	NOUN
fsr-3578	364	321	tolerance	tolerance	NOUN
fsr-3578	364	322	10,584	10,584	NUM
fsr-3578	364	323	5.59	5.59	NUM
fsr-3578	364	324	2.57	2.57	NUM
fsr-3578	364	325	10,584	10,584	NUM
fsr-3578	364	326	5.71	5.71	NUM
fsr-3578	364	327	2.62	2.62	NUM
fsr-3578	364	328	1	1	NUM
fsr-3578	364	329	10	10	NUM
fsr-3578	364	330	financial	financial	ADJ
fsr-3578	364	331	attitude	attitude	NOUN
fsr-3578	364	332	10,591	10,591	NUM
fsr-3578	364	333	4.67	4.67	NUM
fsr-3578	364	334	1.94	1.94	NUM
fsr-3578	364	335	10,682	10,682	NUM
fsr-3578	364	336	4.68	4.68	NUM
fsr-3578	364	337	1.94	1.94	NUM
fsr-3578	364	338	1	1	NUM
fsr-3578	364	339	7	7	NUM
fsr-3578	364	340	note	note	NOUN
fsr-3578	364	341	:	:	PUNCT
fsr-3578	364	342	2018	2018	NUM
fsr-3578	364	343	nfcs	nfc	NOUN
fsr-3578	364	344	.	.	PUNCT
fsr-3578	365	1	restricted	restrict	VERB
fsr-3578	365	2	sample	sample	NOUN
fsr-3578	365	3	to	to	ADP
fsr-3578	365	4	only	only	ADV
fsr-3578	365	5	those	those	PRON
fsr-3578	365	6	working	work	VERB
fsr-3578	365	7	full	full	ADJ
fsr-3578	365	8	time	time	NOUN
fsr-3578	365	9	.	.	PUNCT
fsr-3578	366	1	statement	statement	NOUN
fsr-3578	366	2	of	of	ADP
fsr-3578	366	3	conflict	conflict	NOUN
fsr-3578	366	4	of	of	ADP
fsr-3578	366	5	interest	interest	NOUN
fsr-3578	366	6	one	one	NUM
fsr-3578	366	7	of	of	ADP
fsr-3578	366	8	the	the	DET
fsr-3578	366	9	authors	author	NOUN
fsr-3578	366	10	of	of	ADP
fsr-3578	366	11	this	this	DET
fsr-3578	366	12	paper	paper	NOUN
fsr-3578	366	13	(	(	PUNCT
fsr-3578	366	14	michael	michael	PROPN
fsr-3578	366	15	kothakota	kothakota	PROPN
fsr-3578	366	16	)	)	PUNCT
fsr-3578	366	17	worked	work	VERB
fsr-3578	366	18	as	as	ADP
fsr-3578	366	19	the	the	DET
fsr-3578	366	20	head	head	NOUN
fsr-3578	366	21	of	of	ADP
fsr-3578	366	22	research	research	NOUN
fsr-3578	366	23	at	at	ADP
fsr-3578	366	24	the	the	DET
fsr-3578	366	25	certified	certify	VERB
fsr-3578	366	26	financial	financial	ADJ
fsr-3578	366	27	planner	planner	NOUN
fsr-3578	366	28	board	board	NOUN
fsr-3578	366	29	of	of	ADP
fsr-3578	366	30	standards	standard	NOUN
fsr-3578	366	31	,	,	PUNCT
fsr-3578	366	32	inc	inc	PROPN
fsr-3578	366	33	.	.	PROPN
fsr-3578	366	34	and	and	CCONJ
fsr-3578	366	35	was	be	AUX
fsr-3578	366	36	a	a	DET
fsr-3578	366	37	member	member	NOUN
fsr-3578	366	38	of	of	ADP
fsr-3578	366	39	its	its	PRON
fsr-3578	366	40	executive	executive	ADJ
fsr-3578	366	41	leadership	leadership	NOUN
fsr-3578	366	42	at	at	ADP
fsr-3578	366	43	the	the	DET
fsr-3578	366	44	time	time	NOUN
fsr-3578	366	45	of	of	ADP
fsr-3578	366	46	submission	submission	NOUN
fsr-3578	366	47	.	.	PUNCT
fsr-3578	367	1	he	he	PRON
fsr-3578	367	2	received	receive	VERB
fsr-3578	367	3	no	no	DET
fsr-3578	367	4	compensation	compensation	NOUN
fsr-3578	367	5	for	for	ADP
fsr-3578	367	6	his	his	PRON
fsr-3578	367	7	role	role	NOUN
fsr-3578	367	8	in	in	ADP
fsr-3578	367	9	preparing	prepare	VERB
fsr-3578	367	10	this	this	DET
fsr-3578	367	11	manuscript	manuscript	NOUN
fsr-3578	367	12	.	.	PUNCT