id	sid	tid	token	lemma	pos
fsr-4224	1	1	164	164	NUM
fsr-4224	1	2	exploring	explore	VERB
fsr-4224	1	3	factors	factor	NOUN
fsr-4224	1	4	affecting	affect	VERB
fsr-4224	1	5	young	young	ADJ
fsr-4224	1	6	adults	adult	NOUN
fsr-4224	1	7	'	'	PART
fsr-4224	1	8	financial	financial	ADJ
fsr-4224	1	9	management	management	NOUN
fsr-4224	1	10	behavior	behavior	NOUN
fsr-4224	1	11	:	:	PUNCT
fsr-4224	1	12	a	a	DET
fsr-4224	1	13	hybrid	hybrid	ADJ
fsr-4224	1	14	pls	pls	NOUN
fsr-4224	1	15	-	-	PUNCT
fsr-4224	1	16	sem	sem	NOUN
fsr-4224	1	17	and	and	CCONJ
fsr-4224	1	18	fsqca	fsqca	NOUN
fsr-4224	1	19	approach	approach	NOUN
fsr-4224	1	20	afm	afm	PROPN
fsr-4224	1	21	jalal	jalal	PROPN
fsr-4224	1	22	ahamed1	ahamed1	PROPN
fsr-4224	1	23	,	,	PUNCT
fsr-4224	1	24	dominika	dominika	PROPN
fsr-4224	1	25	jakubowska2	jakubowska2	PROPN
fsr-4224	1	26	,	,	PUNCT
fsr-4224	1	27	bogdan	bogdan	ADJ
fsr-4224	1	28	pacholek3	pacholek3	PROPN
fsr-4224	1	29	,	,	PUNCT
fsr-4224	1	30	and	and	CCONJ
fsr-4224	1	31	katarzyna	katarzyna	PROPN
fsr-4224	1	32	dziewanowska4	dziewanowska4	NOUN
fsr-4224	1	33	abstract	abstract	ADJ
fsr-4224	1	34	this	this	DET
fsr-4224	1	35	study	study	NOUN
fsr-4224	1	36	investigates	investigate	VERB
fsr-4224	1	37	the	the	DET
fsr-4224	1	38	factors	factor	NOUN
fsr-4224	1	39	influencing	influence	VERB
fsr-4224	1	40	financial	financial	ADJ
fsr-4224	1	41	management	management	NOUN
fsr-4224	1	42	behaviors	behavior	NOUN
fsr-4224	1	43	(	(	PUNCT
fsr-4224	1	44	fmb	fmb	NOUN
fsr-4224	1	45	)	)	PUNCT
fsr-4224	1	46	among	among	ADP
fsr-4224	1	47	young	young	ADJ
fsr-4224	1	48	adults	adult	NOUN
fsr-4224	1	49	in	in	ADP
fsr-4224	1	50	poland	poland	PROPN
fsr-4224	1	51	,	,	PUNCT
fsr-4224	1	52	drawing	draw	VERB
fsr-4224	1	53	on	on	ADP
fsr-4224	1	54	the	the	DET
fsr-4224	1	55	theory	theory	NOUN
fsr-4224	1	56	of	of	ADP
fsr-4224	1	57	planned	plan	VERB
fsr-4224	1	58	behavior	behavior	NOUN
fsr-4224	1	59	(	(	PUNCT
fsr-4224	1	60	tpb	tpb	NOUN
fsr-4224	1	61	)	)	PUNCT
fsr-4224	1	62	.	.	PUNCT
fsr-4224	2	1	specifically	specifically	ADV
fsr-4224	2	2	,	,	PUNCT
fsr-4224	2	3	it	it	PRON
fsr-4224	2	4	examines	examine	VERB
fsr-4224	2	5	the	the	DET
fsr-4224	2	6	roles	role	NOUN
fsr-4224	2	7	of	of	ADP
fsr-4224	2	8	financial	financial	ADJ
fsr-4224	2	9	attitude	attitude	NOUN
fsr-4224	2	10	,	,	PUNCT
fsr-4224	2	11	family	family	NOUN
fsr-4224	2	12	financial	financial	ADJ
fsr-4224	2	13	socialization	socialization	NOUN
fsr-4224	2	14	,	,	PUNCT
fsr-4224	2	15	peer	peer	NOUN
fsr-4224	2	16	influence	influence	NOUN
fsr-4224	2	17	,	,	PUNCT
fsr-4224	2	18	financial	financial	ADJ
fsr-4224	2	19	self	self	NOUN
fsr-4224	2	20	-	-	PUNCT
fsr-4224	2	21	efficacy	efficacy	NOUN
fsr-4224	2	22	,	,	PUNCT
fsr-4224	2	23	and	and	CCONJ
fsr-4224	2	24	subjective	subjective	ADJ
fsr-4224	2	25	financial	financial	ADJ
fsr-4224	2	26	knowledge	knowledge	NOUN
fsr-4224	2	27	.	.	PUNCT
fsr-4224	3	1	data	datum	NOUN
fsr-4224	3	2	were	be	AUX
fsr-4224	3	3	collected	collect	VERB
fsr-4224	3	4	from	from	ADP
fsr-4224	3	5	340	340	NUM
fsr-4224	3	6	university	university	NOUN
fsr-4224	3	7	students	student	NOUN
fsr-4224	3	8	using	use	VERB
fsr-4224	3	9	convenience	convenience	NOUN
fsr-4224	3	10	sampling	sampling	NOUN
fsr-4224	3	11	.	.	PUNCT
fsr-4224	4	1	a	a	DET
fsr-4224	4	2	hybrid	hybrid	ADJ
fsr-4224	4	3	analytical	analytical	ADJ
fsr-4224	4	4	approach	approach	NOUN
fsr-4224	4	5	combining	combine	VERB
fsr-4224	4	6	partial	partial	ADJ
fsr-4224	4	7	least	least	ADJ
fsr-4224	4	8	squares	square	NOUN
fsr-4224	4	9	structural	structural	ADJ
fsr-4224	4	10	equation	equation	NOUN
fsr-4224	4	11	modeling	modeling	NOUN
fsr-4224	4	12	(	(	PUNCT
fsr-4224	4	13	pls	pls	INTJ
fsr-4224	4	14	-	-	PUNCT
fsr-4224	4	15	sem	sem	NOUN
fsr-4224	4	16	)	)	PUNCT
fsr-4224	4	17	and	and	CCONJ
fsr-4224	4	18	fuzzy	fuzzy	ADJ
fsr-4224	4	19	-	-	PUNCT
fsr-4224	4	20	set	set	VERB
fsr-4224	4	21	qualitative	qualitative	ADJ
fsr-4224	4	22	comparative	comparative	ADJ
fsr-4224	4	23	analysis	analysis	NOUN
fsr-4224	4	24	(	(	PUNCT
fsr-4224	4	25	fsqca	fsqca	NOUN
fsr-4224	4	26	)	)	PUNCT
fsr-4224	4	27	was	be	AUX
fsr-4224	4	28	employed	employ	VERB
fsr-4224	4	29	.	.	PUNCT
fsr-4224	5	1	pls	pls	INTJ
fsr-4224	5	2	-	-	PUNCT
fsr-4224	5	3	sem	sem	NOUN
fsr-4224	5	4	results	result	NOUN
fsr-4224	5	5	indicate	indicate	VERB
fsr-4224	5	6	that	that	SCONJ
fsr-4224	5	7	financial	financial	ADJ
fsr-4224	5	8	attitude	attitude	NOUN
fsr-4224	5	9	,	,	PUNCT
fsr-4224	5	10	subjective	subjective	ADJ
fsr-4224	5	11	financial	financial	ADJ
fsr-4224	5	12	knowledge	knowledge	NOUN
fsr-4224	5	13	,	,	PUNCT
fsr-4224	5	14	and	and	CCONJ
fsr-4224	5	15	financial	financial	ADJ
fsr-4224	5	16	self	self	NOUN
fsr-4224	5	17	-	-	PUNCT
fsr-4224	5	18	efficacy	efficacy	NOUN
fsr-4224	5	19	are	be	AUX
fsr-4224	5	20	significantly	significantly	ADV
fsr-4224	5	21	associated	associate	VERB
fsr-4224	5	22	with	with	ADP
fsr-4224	5	23	fmb	fmb	PROPN
fsr-4224	5	24	.	.	PUNCT
fsr-4224	5	25	contrary	contrary	ADJ
fsr-4224	5	26	to	to	ADP
fsr-4224	5	27	expectations	expectation	NOUN
fsr-4224	5	28	,	,	PUNCT
fsr-4224	5	29	family	family	NOUN
fsr-4224	5	30	financial	financial	ADJ
fsr-4224	5	31	socialization	socialization	NOUN
fsr-4224	5	32	had	have	VERB
fsr-4224	5	33	no	no	DET
fsr-4224	5	34	significant	significant	ADJ
fsr-4224	5	35	effect	effect	NOUN
fsr-4224	5	36	,	,	PUNCT
fsr-4224	5	37	while	while	SCONJ
fsr-4224	5	38	peer	peer	NOUN
fsr-4224	5	39	influence	influence	NOUN
fsr-4224	5	40	was	be	AUX
fsr-4224	5	41	significant	significant	ADJ
fsr-4224	5	42	but	but	CCONJ
fsr-4224	5	43	negative	negative	ADJ
fsr-4224	5	44	effect	effect	NOUN
fsr-4224	5	45	.	.	PUNCT
fsr-4224	6	1	fsqca	fsqca	NOUN
fsr-4224	6	2	revealed	reveal	VERB
fsr-4224	6	3	two	two	NUM
fsr-4224	6	4	distinct	distinct	ADJ
fsr-4224	6	5	pathways	pathway	NOUN
fsr-4224	6	6	leading	lead	VERB
fsr-4224	6	7	to	to	ADP
fsr-4224	6	8	positive	positive	ADJ
fsr-4224	6	9	fmb	fmb	NOUN
fsr-4224	6	10	,	,	PUNCT
fsr-4224	6	11	highlighting	highlight	VERB
fsr-4224	6	12	the	the	DET
fsr-4224	6	13	importance	importance	NOUN
fsr-4224	6	14	of	of	ADP
fsr-4224	6	15	financial	financial	ADJ
fsr-4224	6	16	attitude	attitude	NOUN
fsr-4224	6	17	and	and	CCONJ
fsr-4224	6	18	knowledge	knowledge	NOUN
fsr-4224	6	19	,	,	PUNCT
fsr-4224	6	20	even	even	ADV
fsr-4224	6	21	in	in	ADP
fsr-4224	6	22	the	the	DET
fsr-4224	6	23	absence	absence	NOUN
fsr-4224	6	24	of	of	ADP
fsr-4224	6	25	strong	strong	ADJ
fsr-4224	6	26	peer	peer	NOUN
fsr-4224	6	27	or	or	CCONJ
fsr-4224	6	28	family	family	NOUN
fsr-4224	6	29	support	support	NOUN
fsr-4224	6	30	.	.	PUNCT
fsr-4224	7	1	the	the	DET
fsr-4224	7	2	findings	finding	NOUN
fsr-4224	7	3	underscore	underscore	VERB
fsr-4224	7	4	the	the	DET
fsr-4224	7	5	complexity	complexity	NOUN
fsr-4224	7	6	of	of	ADP
fsr-4224	7	7	financial	financial	ADJ
fsr-4224	7	8	behavior	behavior	NOUN
fsr-4224	7	9	and	and	CCONJ
fsr-4224	7	10	suggest	suggest	VERB
fsr-4224	7	11	that	that	SCONJ
fsr-4224	7	12	educational	educational	ADJ
fsr-4224	7	13	interventions	intervention	NOUN
fsr-4224	7	14	should	should	AUX
fsr-4224	7	15	focus	focus	VERB
fsr-4224	7	16	on	on	ADP
fsr-4224	7	17	improving	improve	VERB
fsr-4224	7	18	financial	financial	ADJ
fsr-4224	7	19	attitudes	attitude	NOUN
fsr-4224	7	20	and	and	CCONJ
fsr-4224	7	21	self	self	NOUN
fsr-4224	7	22	-	-	PUNCT
fsr-4224	7	23	efficacy	efficacy	NOUN
fsr-4224	7	24	,	,	PUNCT
fsr-4224	7	25	while	while	SCONJ
fsr-4224	7	26	also	also	ADV
fsr-4224	7	27	acknowledging	acknowledge	VERB
fsr-4224	7	28	the	the	DET
fsr-4224	7	29	important	important	ADJ
fsr-4224	7	30	roles	role	NOUN
fsr-4224	7	31	of	of	ADP
fsr-4224	7	32	family	family	NOUN
fsr-4224	7	33	and	and	CCONJ
fsr-4224	7	34	peer	peer	NOUN
fsr-4224	7	35	influences	influence	NOUN
fsr-4224	7	36	.	.	PUNCT
fsr-4224	8	1	this	this	DET
fsr-4224	8	2	study	study	NOUN
fsr-4224	8	3	contributes	contribute	VERB
fsr-4224	8	4	novel	novel	ADJ
fsr-4224	8	5	insights	insight	NOUN
fsr-4224	8	6	into	into	ADP
fsr-4224	8	7	financial	financial	ADJ
fsr-4224	8	8	behavior	behavior	NOUN
fsr-4224	8	9	research	research	NOUN
fsr-4224	8	10	in	in	ADP
fsr-4224	8	11	eastern	eastern	PROPN
fsr-4224	8	12	europe	europe	PROPN
fsr-4224	8	13	and	and	CCONJ
fsr-4224	8	14	demonstrates	demonstrate	VERB
fsr-4224	8	15	the	the	DET
fsr-4224	8	16	value	value	NOUN
fsr-4224	8	17	of	of	ADP
fsr-4224	8	18	combining	combine	VERB
fsr-4224	8	19	sem	sem	NOUN
fsr-4224	8	20	and	and	CCONJ
fsr-4224	8	21	fsqca	fsqca	NOUN
fsr-4224	8	22	in	in	ADP
fsr-4224	8	23	behavioral	behavioral	ADJ
fsr-4224	8	24	finance	finance	NOUN
fsr-4224	8	25	studies	study	NOUN
fsr-4224	8	26	.	.	PUNCT
fsr-4224	9	1	creative	creative	ADJ
fsr-4224	9	2	commons	commons	PROPN
fsr-4224	9	3	license	license	NOUN
fsr-4224	9	4	this	this	DET
fsr-4224	9	5	work	work	NOUN
fsr-4224	9	6	is	be	AUX
fsr-4224	9	7	licensed	license	VERB
fsr-4224	9	8	under	under	ADP
fsr-4224	9	9	a	a	DET
fsr-4224	9	10	creative	creative	ADJ
fsr-4224	9	11	commons	common	NOUN
fsr-4224	9	12	attribution	attribution	NOUN
fsr-4224	9	13	-	-	PUNCT
fsr-4224	9	14	noncommercial	noncommercial	ADJ
fsr-4224	9	15	4.0	4.0	NUM
fsr-4224	9	16	license	license	NOUN
fsr-4224	9	17	recommended	recommend	VERB
fsr-4224	9	18	citation	citation	NOUN
fsr-4224	9	19	ahamed	ahamed	PROPN
fsr-4224	9	20	,	,	PUNCT
fsr-4224	9	21	a.	a.	PROPN
fsr-4224	9	22	f.	f.	PROPN
fsr-4224	9	23	m.	m.	PROPN
fsr-4224	9	24	j.	j.	PROPN
fsr-4224	9	25	,	,	PUNCT
fsr-4224	9	26	jakubowska	jakubowska	PROPN
fsr-4224	9	27	,	,	PUNCT
fsr-4224	9	28	d.	d.	PROPN
fsr-4224	9	29	,	,	PUNCT
fsr-4224	9	30	pacholek	pacholek	NOUN
fsr-4224	9	31	,	,	PUNCT
fsr-4224	9	32	b.	b.	PROPN
fsr-4224	9	33	,	,	PUNCT
fsr-4224	9	34	&	&	CCONJ
fsr-4224	9	35	dziewanowska	dziewanowska	PROPN
fsr-4224	9	36	,	,	PUNCT
fsr-4224	9	37	k.	k.	PROPN
fsr-4224	9	38	(	(	PUNCT
fsr-4224	9	39	2025	2025	NUM
fsr-4224	9	40	)	)	PUNCT
fsr-4224	9	41	.	.	PUNCT
fsr-4224	10	1	exploring	explore	VERB
fsr-4224	10	2	factors	factor	NOUN
fsr-4224	10	3	affecting	affect	VERB
fsr-4224	10	4	young	young	ADJ
fsr-4224	10	5	adults	adult	NOUN
fsr-4224	10	6	'	'	PART
fsr-4224	10	7	financial	financial	ADJ
fsr-4224	10	8	management	management	NOUN
fsr-4224	10	9	behavior	behavior	NOUN
fsr-4224	10	10	:	:	PUNCT
fsr-4224	10	11	a	a	DET
fsr-4224	10	12	hybrid	hybrid	ADJ
fsr-4224	10	13	pls	pls	NOUN
fsr-4224	10	14	-	-	PUNCT
fsr-4224	10	15	sem	sem	NOUN
fsr-4224	10	16	and	and	CCONJ
fsr-4224	10	17	fsqca	fsqca	NOUN
fsr-4224	10	18	approach	approach	NOUN
fsr-4224	10	19	.	.	PUNCT
fsr-4224	11	1	financial	financial	ADJ
fsr-4224	11	2	services	service	NOUN
fsr-4224	11	3	review	review	PROPN
fsr-4224	11	4	,	,	PUNCT
fsr-4224	11	5	33(5	33(5	NUM
fsr-4224	11	6	)	)	PUNCT
fsr-4224	11	7	,	,	PUNCT
fsr-4224	11	8	164	164	NUM
fsr-4224	11	9	-	-	SYM
fsr-4224	11	10	190	190	NUM
fsr-4224	11	11	.	.	PUNCT
fsr-4224	12	1	introduction	introduction	NOUN
fsr-4224	12	2	the	the	DET
fsr-4224	12	3	study	study	NOUN
fsr-4224	12	4	of	of	ADP
fsr-4224	12	5	financial	financial	ADJ
fsr-4224	12	6	management	management	NOUN
fsr-4224	12	7	behaviors	behavior	NOUN
fsr-4224	12	8	(	(	PUNCT
fsr-4224	12	9	fmb	fmb	PROPN
fsr-4224	12	10	hereafter	hereafter	ADV
fsr-4224	12	11	)	)	PUNCT
fsr-4224	12	12	has	have	AUX
fsr-4224	12	13	emerged	emerge	VERB
fsr-4224	12	14	as	as	ADP
fsr-4224	12	15	a	a	DET
fsr-4224	12	16	critical	critical	ADJ
fsr-4224	12	17	research	research	NOUN
fsr-4224	12	18	domain	domain	NOUN
fsr-4224	12	19	(	(	PUNCT
fsr-4224	12	20	ahamed	ahamed	PROPN
fsr-4224	12	21	&	&	CCONJ
fsr-4224	12	22	limbu	limbu	PROPN
fsr-4224	12	23	,	,	PUNCT
fsr-4224	12	24	2024	2024	NUM
fsr-4224	12	25	;	;	PUNCT
fsr-4224	13	1	deenanath	deenanath	NOUN
fsr-4224	13	2	et	et	PROPN
fsr-4224	13	3	al	al	PROPN
fsr-4224	13	4	.	.	PROPN
fsr-4224	13	5	,	,	PUNCT
fsr-4224	13	6	2019	2019	NUM
fsr-4224	13	7	;	;	PUNCT
fsr-4224	13	8	goyal	goyal	PROPN
fsr-4224	13	9	et	et	PROPN
fsr-4224	13	10	al	al	PROPN
fsr-4224	13	11	.	.	PROPN
fsr-4224	13	12	,	,	PUNCT
fsr-4224	13	13	2023	2023	NUM
fsr-4224	13	14	;	;	PUNCT
fsr-4224	13	15	she	she	PRON
fsr-4224	13	16	et	et	VERB
fsr-4224	13	17	al	al	PROPN
fsr-4224	13	18	.	.	PROPN
fsr-4224	13	19	,	,	PUNCT
fsr-4224	13	20	2024	2024	NUM
fsr-4224	13	21	)	)	PUNCT
fsr-4224	13	22	,	,	PUNCT
fsr-4224	13	23	particularly	particularly	ADV
fsr-4224	13	24	in	in	ADP
fsr-4224	13	25	an	an	DET
fsr-4224	13	26	era	era	NOUN
fsr-4224	13	27	characterized	characterize	VERB
fsr-4224	13	28	by	by	ADP
fsr-4224	13	29	economic	economic	ADJ
fsr-4224	13	30	volatility	volatility	NOUN
fsr-4224	13	31	and	and	CCONJ
fsr-4224	13	32	heightened	heighten	VERB
fsr-4224	13	33	geopolitical	geopolitical	ADJ
fsr-4224	13	34	tensions	tension	NOUN
fsr-4224	13	35	.	.	PUNCT
fsr-4224	14	1	the	the	DET
fsr-4224	14	2	proliferation	proliferation	NOUN
fsr-4224	14	3	of	of	ADP
fsr-4224	14	4	credit	credit	NOUN
fsr-4224	14	5	1	1	NUM
fsr-4224	14	6	corresponding	correspond	VERB
fsr-4224	14	7	author	author	NOUN
fsr-4224	14	8	(	(	PUNCT
fsr-4224	14	9	jalal.ahamed@his.se	jalal.ahamed@his.se	PROPN
fsr-4224	14	10	)	)	PUNCT
fsr-4224	14	11	.	.	PUNCT
fsr-4224	15	1	university	university	NOUN
fsr-4224	15	2	of	of	ADP
fsr-4224	15	3	skövde	skövde	PROPN
fsr-4224	15	4	,	,	PUNCT
fsr-4224	15	5	skövde	skövde	NOUN
fsr-4224	15	6	,	,	PUNCT
fsr-4224	15	7	sweden	sweden	PROPN
fsr-4224	15	8	.	.	PROPN
fsr-4224	15	9	2	2	NUM
fsr-4224	15	10	university	university	NOUN
fsr-4224	15	11	of	of	ADP
fsr-4224	15	12	warmia	warmia	NOUN
fsr-4224	15	13	and	and	CCONJ
fsr-4224	15	14	mazury	mazury	NOUN
fsr-4224	15	15	,	,	PUNCT
fsr-4224	15	16	olsztyn	olsztyn	PROPN
fsr-4224	15	17	,	,	PUNCT
fsr-4224	15	18	poland	poland	PROPN
fsr-4224	15	19	.	.	PUNCT
fsr-4224	15	20	3	3	NUM
fsr-4224	15	21	poznań	poznań	PROPN
fsr-4224	15	22	university	university	PROPN
fsr-4224	15	23	of	of	ADP
fsr-4224	15	24	poland	poland	PROPN
fsr-4224	15	25	,	,	PUNCT
fsr-4224	15	26	poznań	poznań	NOUN
fsr-4224	15	27	,	,	PUNCT
fsr-4224	15	28	poland	poland	PROPN
fsr-4224	15	29	.	.	PROPN
fsr-4224	16	1	4	4	NUM
fsr-4224	16	2	university	university	PROPN
fsr-4224	16	3	of	of	ADP
fsr-4224	16	4	warsaw	warsaw	PROPN
fsr-4224	16	5	,	,	PUNCT
fsr-4224	16	6	warsaw	warsaw	PROPN
fsr-4224	16	7	,	,	PUNCT
fsr-4224	16	8	poland	poland	PROPN
fsr-4224	16	9	.	.	PUNCT
fsr-4224	17	1	access	access	NOUN
fsr-4224	17	2	,	,	PUNCT
fsr-4224	17	3	advancements	advancement	NOUN
fsr-4224	17	4	in	in	ADP
fsr-4224	17	5	digital	digital	ADJ
fsr-4224	17	6	banking	banking	NOUN
fsr-4224	17	7	platforms	platform	NOUN
fsr-4224	17	8	,	,	PUNCT
fsr-4224	17	9	and	and	CCONJ
fsr-4224	17	10	diversification	diversification	NOUN
fsr-4224	17	11	of	of	ADP
fsr-4224	17	12	investment	investment	NOUN
fsr-4224	17	13	vehicles	vehicle	NOUN
fsr-4224	17	14	has	have	AUX
fsr-4224	17	15	increasingly	increasingly	ADV
fsr-4224	17	16	complicated	complicate	VERB
fsr-4224	17	17	the	the	DET
fsr-4224	17	18	financial	financial	ADJ
fsr-4224	17	19	ecosystem	ecosystem	NOUN
fsr-4224	17	20	,	,	PUNCT
fsr-4224	17	21	attracting	attract	VERB
fsr-4224	17	22	significant	significant	ADJ
fsr-4224	17	23	attention	attention	NOUN
fsr-4224	17	24	from	from	ADP
fsr-4224	17	25	policymakers	policymaker	NOUN
fsr-4224	17	26	,	,	PUNCT
fsr-4224	17	27	financial	financial	ADJ
fsr-4224	17	28	institutions	institution	NOUN
fsr-4224	17	29	,	,	PUNCT
fsr-4224	17	30	and	and	CCONJ
fsr-4224	17	31	researchers	researcher	NOUN
fsr-4224	17	32	.	.	PUNCT
fsr-4224	18	1	young	young	ADJ
fsr-4224	18	2	adults	adult	NOUN
fsr-4224	18	3	represent	represent	VERB
fsr-4224	18	4	a	a	DET
fsr-4224	18	5	pivotal	pivotal	ADJ
fsr-4224	18	6	cohort	cohort	NOUN
fsr-4224	18	7	in	in	ADP
fsr-4224	18	8	this	this	DET
fsr-4224	18	9	context	context	NOUN
fsr-4224	18	10	,	,	PUNCT
fsr-4224	18	11	as	as	SCONJ
fsr-4224	18	12	they	they	PRON
fsr-4224	18	13	navigate	navigate	VERB
fsr-4224	18	14	the	the	DET
fsr-4224	18	15	complexities	complexity	NOUN
fsr-4224	18	16	of	of	ADP
fsr-4224	18	17	early	early	ADJ
fsr-4224	18	18	career	career	NOUN
fsr-4224	18	19	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	ADP
fsr-4224	18	20	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4224	18	21	ahamed	ahamed	PROPN
fsr-4224	18	22	et	et	PROPN
fsr-4224	18	23	al	al	PROPN
fsr-4224	18	24	.	.	PROPN
fsr-4224	18	25	165	165	NUM
fsr-4224	18	26	trajectories	trajectory	NOUN
fsr-4224	18	27	,	,	PUNCT
fsr-4224	18	28	debt	debt	NOUN
fsr-4224	18	29	management	management	NOUN
fsr-4224	18	30	,	,	PUNCT
fsr-4224	18	31	and	and	CCONJ
fsr-4224	18	32	strategic	strategic	ADJ
fsr-4224	18	33	long	long	ADJ
fsr-4224	18	34	-	-	PUNCT
fsr-4224	18	35	term	term	NOUN
fsr-4224	18	36	financial	financial	ADJ
fsr-4224	18	37	planning	planning	NOUN
fsr-4224	18	38	.	.	PUNCT
fsr-4224	19	1	this	this	DET
fsr-4224	19	2	period	period	NOUN
fsr-4224	19	3	of	of	ADP
fsr-4224	19	4	life	life	NOUN
fsr-4224	19	5	encapsulates	encapsulate	VERB
fsr-4224	19	6	significant	significant	ADJ
fsr-4224	19	7	transitional	transitional	ADJ
fsr-4224	19	8	milestones	milestone	NOUN
fsr-4224	19	9	—	—	PUNCT
fsr-4224	19	10	such	such	ADJ
fsr-4224	19	11	as	as	ADP
fsr-4224	19	12	labor	labor	NOUN
fsr-4224	19	13	market	market	NOUN
fsr-4224	19	14	entry	entry	NOUN
fsr-4224	19	15	,	,	PUNCT
fsr-4224	19	16	engagement	engagement	NOUN
fsr-4224	19	17	in	in	ADP
fsr-4224	19	18	higher	high	ADJ
fsr-4224	19	19	education	education	NOUN
fsr-4224	19	20	,	,	PUNCT
fsr-4224	19	21	and	and	CCONJ
fsr-4224	19	22	personal	personal	ADJ
fsr-4224	19	23	financial	financial	ADJ
fsr-4224	19	24	stewardship	stewardship	NOUN
fsr-4224	19	25	—	—	PUNCT
fsr-4224	19	26	all	all	PRON
fsr-4224	19	27	of	of	ADP
fsr-4224	19	28	which	which	PRON
fsr-4224	19	29	necessitate	necessitate	ADJ
fsr-4224	19	30	strong	strong	ADJ
fsr-4224	19	31	financial	financial	ADJ
fsr-4224	19	32	literacy	literacy	NOUN
fsr-4224	19	33	and	and	CCONJ
fsr-4224	19	34	informed	inform	VERB
fsr-4224	19	35	financial	financial	ADJ
fsr-4224	19	36	decision	decision	NOUN
fsr-4224	19	37	-	-	PUNCT
fsr-4224	19	38	making	make	VERB
fsr-4224	19	39	capabilities	capability	NOUN
fsr-4224	19	40	.	.	PUNCT
fsr-4224	20	1	understanding	understand	VERB
fsr-4224	20	2	fmb	fmb	NOUN
fsr-4224	20	3	within	within	ADP
fsr-4224	20	4	this	this	DET
fsr-4224	20	5	demographic	demographic	ADJ
fsr-4224	20	6	is	be	AUX
fsr-4224	20	7	imperative	imperative	ADJ
fsr-4224	20	8	,	,	PUNCT
fsr-4224	20	9	as	as	SCONJ
fsr-4224	20	10	financial	financial	ADJ
fsr-4224	20	11	practices	practice	NOUN
fsr-4224	20	12	established	establish	VERB
fsr-4224	20	13	during	during	ADP
fsr-4224	20	14	this	this	DET
fsr-4224	20	15	formative	formative	ADJ
fsr-4224	20	16	stage	stage	NOUN
fsr-4224	20	17	exert	exert	VERB
fsr-4224	20	18	profound	profound	ADJ
fsr-4224	20	19	implications	implication	NOUN
fsr-4224	20	20	on	on	ADP
fsr-4224	20	21	their	their	PRON
fsr-4224	20	22	sustained	sustained	ADJ
fsr-4224	20	23	financial	financial	ADJ
fsr-4224	20	24	solvency	solvency	NOUN
fsr-4224	20	25	and	and	CCONJ
fsr-4224	20	26	overall	overall	ADJ
fsr-4224	20	27	economic	economic	ADJ
fsr-4224	20	28	well	well	ADV
fsr-4224	20	29	-	-	PUNCT
fsr-4224	20	30	being	be	AUX
fsr-4224	20	31	(	(	PUNCT
fsr-4224	20	32	porto	porto	PROPN
fsr-4224	20	33	&	&	CCONJ
fsr-4224	20	34	xiao	xiao	PROPN
fsr-4224	20	35	,	,	PUNCT
fsr-4224	20	36	2022	2022	NUM
fsr-4224	20	37	;	;	PUNCT
fsr-4224	21	1	rai	rai	PROPN
fsr-4224	21	2	et	et	PROPN
fsr-4224	21	3	al	al	PROPN
fsr-4224	21	4	.	.	PROPN
fsr-4224	21	5	,	,	PUNCT
fsr-4224	21	6	2019	2019	NUM
fsr-4224	21	7	;	;	PUNCT
fsr-4224	21	8	sabri	sabri	NOUN
fsr-4224	21	9	et	et	PROPN
fsr-4224	21	10	al	al	PROPN
fsr-4224	21	11	.	.	PROPN
fsr-4224	21	12	,	,	PUNCT
fsr-4224	21	13	2023	2023	NUM
fsr-4224	21	14	;	;	PUNCT
fsr-4224	21	15	she	she	PRON
fsr-4224	21	16	et	et	VERB
fsr-4224	21	17	al	al	PROPN
fsr-4224	21	18	.	.	PROPN
fsr-4224	21	19	,	,	PUNCT
fsr-4224	21	20	2024	2024	NUM
fsr-4224	21	21	;	;	PUNCT
fsr-4224	21	22	xiao	xiao	PROPN
fsr-4224	21	23	&	&	CCONJ
fsr-4224	21	24	porto	porto	PROPN
fsr-4224	21	25	,	,	PUNCT
fsr-4224	21	26	2017	2017	NUM
fsr-4224	21	27	)	)	PUNCT
fsr-4224	21	28	.	.	PUNCT
fsr-4224	22	1	despite	despite	SCONJ
fsr-4224	22	2	a	a	DET
fsr-4224	22	3	number	number	NOUN
fsr-4224	22	4	of	of	ADP
fsr-4224	22	5	reviews	review	NOUN
fsr-4224	22	6	,	,	PUNCT
fsr-4224	22	7	meta	meta	NOUN
fsr-4224	22	8	-	-	PUNCT
fsr-4224	22	9	analyses	analysis	NOUN
fsr-4224	22	10	,	,	PUNCT
fsr-4224	22	11	and	and	CCONJ
fsr-4224	22	12	empirical	empirical	ADJ
fsr-4224	22	13	studies	study	NOUN
fsr-4224	22	14	on	on	ADP
fsr-4224	22	15	fmb	fmb	PROPN
fsr-4224	22	16	from	from	ADP
fsr-4224	22	17	regions	region	NOUN
fsr-4224	22	18	like	like	ADP
fsr-4224	22	19	the	the	DET
fsr-4224	22	20	united	united	PROPN
fsr-4224	22	21	states	states	PROPN
fsr-4224	22	22	,	,	PUNCT
fsr-4224	22	23	western	western	PROPN
fsr-4224	22	24	europe	europe	PROPN
fsr-4224	22	25	,	,	PUNCT
fsr-4224	22	26	northern	northern	PROPN
fsr-4224	22	27	europe	europe	PROPN
fsr-4224	22	28	,	,	PUNCT
fsr-4224	22	29	and	and	CCONJ
fsr-4224	22	30	southeast	southeast	PROPN
fsr-4224	22	31	asia	asia	PROPN
fsr-4224	22	32	,	,	PUNCT
fsr-4224	22	33	(	(	PUNCT
fsr-4224	22	34	goyal	goyal	PROPN
fsr-4224	22	35	et	et	PROPN
fsr-4224	22	36	al	al	PROPN
fsr-4224	22	37	.	.	PROPN
fsr-4224	22	38	,	,	PUNCT
fsr-4224	22	39	2021	2021	NUM
fsr-4224	22	40	;	;	PUNCT
fsr-4224	22	41	kaur	kaur	PROPN
fsr-4224	22	42	&	&	CCONJ
fsr-4224	22	43	singh	singh	PROPN
fsr-4224	22	44	,	,	PUNCT
fsr-4224	22	45	2024	2024	NUM
fsr-4224	22	46	;	;	PUNCT
fsr-4224	22	47	lučić	lučić	VERB
fsr-4224	22	48	et	et	PROPN
fsr-4224	22	49	al	al	PROPN
fsr-4224	22	50	.	.	PROPN
fsr-4224	22	51	,	,	PUNCT
fsr-4224	22	52	2024	2024	NUM
fsr-4224	22	53	;	;	PUNCT
fsr-4224	22	54	rudi	rudi	PROPN
fsr-4224	22	55	et	et	PROPN
fsr-4224	22	56	al	al	PROPN
fsr-4224	22	57	.	.	PROPN
fsr-4224	22	58	,	,	PUNCT
fsr-4224	22	59	2020	2020	NUM
fsr-4224	22	60	)	)	PUNCT
fsr-4224	22	61	a	a	DET
fsr-4224	22	62	substantial	substantial	ADJ
fsr-4224	22	63	research	research	NOUN
fsr-4224	22	64	gap	gap	NOUN
fsr-4224	22	65	persists	persist	VERB
fsr-4224	22	66	in	in	ADP
fsr-4224	22	67	eastern	eastern	ADJ
fsr-4224	22	68	european	european	ADJ
fsr-4224	22	69	countries	country	NOUN
fsr-4224	22	70	such	such	ADJ
fsr-4224	22	71	as	as	ADP
fsr-4224	22	72	poland	poland	PROPN
fsr-4224	22	73	,	,	PUNCT
fsr-4224	22	74	the	the	DET
fsr-4224	22	75	czech	czech	PROPN
fsr-4224	22	76	republic	republic	NOUN
fsr-4224	22	77	,	,	PUNCT
fsr-4224	22	78	and	and	CCONJ
fsr-4224	22	79	slovakia	slovakia	PROPN
fsr-4224	22	80	.	.	PUNCT
fsr-4224	23	1	this	this	DET
fsr-4224	23	2	gap	gap	NOUN
fsr-4224	23	3	is	be	AUX
fsr-4224	23	4	particularly	particularly	ADV
fsr-4224	23	5	notable	notable	ADJ
fsr-4224	23	6	given	give	VERB
fsr-4224	23	7	the	the	DET
fsr-4224	23	8	distinct	distinct	ADJ
fsr-4224	23	9	cultural	cultural	ADJ
fsr-4224	23	10	,	,	PUNCT
fsr-4224	23	11	social	social	ADJ
fsr-4224	23	12	,	,	PUNCT
fsr-4224	23	13	and	and	CCONJ
fsr-4224	23	14	political	political	ADJ
fsr-4224	23	15	dynamics	dynamic	NOUN
fsr-4224	23	16	that	that	PRON
fsr-4224	23	17	differentiate	differentiate	VERB
fsr-4224	23	18	these	these	DET
fsr-4224	23	19	nations	nation	NOUN
fsr-4224	23	20	(	(	PUNCT
fsr-4224	23	21	cwynar	cwynar	NOUN
fsr-4224	23	22	,	,	PUNCT
fsr-4224	23	23	2021	2021	NUM
fsr-4224	23	24	)	)	PUNCT
fsr-4224	23	25	.	.	PUNCT
fsr-4224	24	1	the	the	DET
fsr-4224	24	2	shift	shift	NOUN
fsr-4224	24	3	from	from	ADP
fsr-4224	24	4	communist	communist	ADJ
fsr-4224	24	5	regimes	regime	NOUN
fsr-4224	24	6	to	to	ADP
fsr-4224	24	7	market	market	NOUN
fsr-4224	24	8	economies	economy	NOUN
fsr-4224	24	9	,	,	PUNCT
fsr-4224	24	10	alongside	alongside	ADP
fsr-4224	24	11	extensive	extensive	ADJ
fsr-4224	24	12	financial	financial	ADJ
fsr-4224	24	13	reforms	reform	NOUN
fsr-4224	24	14	,	,	PUNCT
fsr-4224	24	15	has	have	AUX
fsr-4224	24	16	significantly	significantly	ADV
fsr-4224	24	17	altered	alter	VERB
fsr-4224	24	18	their	their	PRON
fsr-4224	24	19	economic	economic	ADJ
fsr-4224	24	20	landscapes	landscape	NOUN
fsr-4224	24	21	.	.	PUNCT
fsr-4224	25	1	however	however	ADV
fsr-4224	25	2	,	,	PUNCT
fsr-4224	25	3	contemporary	contemporary	ADJ
fsr-4224	25	4	scholarship	scholarship	NOUN
fsr-4224	25	5	inadequately	inadequately	ADV
fsr-4224	25	6	captures	capture	VERB
fsr-4224	25	7	the	the	DET
fsr-4224	25	8	evolving	evolve	VERB
fsr-4224	25	9	financial	financial	ADJ
fsr-4224	25	10	attitudes	attitude	NOUN
fsr-4224	25	11	and	and	CCONJ
fsr-4224	25	12	behaviors	behavior	NOUN
fsr-4224	25	13	shaped	shape	VERB
fsr-4224	25	14	by	by	ADP
fsr-4224	25	15	this	this	DET
fsr-4224	25	16	unique	unique	ADJ
fsr-4224	25	17	historical	historical	ADJ
fsr-4224	25	18	trajectory	trajectory	NOUN
fsr-4224	25	19	.	.	PUNCT
fsr-4224	26	1	this	this	DET
fsr-4224	26	2	transition	transition	NOUN
fsr-4224	26	3	has	have	AUX
fsr-4224	26	4	profoundly	profoundly	ADV
fsr-4224	26	5	impacted	impact	VERB
fsr-4224	26	6	younger	young	ADJ
fsr-4224	26	7	generations	generation	NOUN
fsr-4224	26	8	,	,	PUNCT
fsr-4224	26	9	many	many	ADJ
fsr-4224	26	10	of	of	ADP
fsr-4224	26	11	whom	whom	PRON
fsr-4224	26	12	lack	lack	VERB
fsr-4224	26	13	the	the	DET
fsr-4224	26	14	inherited	inherit	VERB
fsr-4224	26	15	financial	financial	ADJ
fsr-4224	26	16	knowledge	knowledge	NOUN
fsr-4224	26	17	or	or	CCONJ
fsr-4224	26	18	established	establish	VERB
fsr-4224	26	19	financial	financial	ADJ
fsr-4224	26	20	culture	culture	NOUN
fsr-4224	26	21	.	.	PUNCT
fsr-4224	27	1	moreover	moreover	ADV
fsr-4224	27	2	,	,	PUNCT
fsr-4224	27	3	financial	financial	ADJ
fsr-4224	27	4	literacy	literacy	NOUN
fsr-4224	27	5	in	in	ADP
fsr-4224	27	6	eastern	eastern	PROPN
fsr-4224	27	7	europe	europe	PROPN
fsr-4224	27	8	remains	remain	VERB
fsr-4224	27	9	below	below	ADP
fsr-4224	27	10	that	that	PRON
fsr-4224	27	11	of	of	ADP
fsr-4224	27	12	western	western	PROPN
fsr-4224	27	13	europe	europe	PROPN
fsr-4224	27	14	due	due	ADP
fsr-4224	27	15	to	to	ADP
fsr-4224	27	16	divergent	divergent	ADJ
fsr-4224	27	17	post	post	ADJ
fsr-4224	27	18	-	-	ADJ
fsr-4224	27	19	wwii	wwii	ADJ
fsr-4224	27	20	socio	socio	NOUN
fsr-4224	27	21	-	-	PUNCT
fsr-4224	27	22	economic	economic	ADJ
fsr-4224	27	23	developments	development	NOUN
fsr-4224	27	24	.	.	PUNCT
fsr-4224	28	1	young	young	ADJ
fsr-4224	28	2	adults	adult	NOUN
fsr-4224	28	3	in	in	ADP
fsr-4224	28	4	the	the	DET
fsr-4224	28	5	eastern	eastern	ADJ
fsr-4224	28	6	european	european	PROPN
fsr-4224	28	7	region	region	PROPN
fsr-4224	28	8	face	face	VERB
fsr-4224	28	9	challenges	challenge	NOUN
fsr-4224	28	10	stemming	stem	VERB
fsr-4224	28	11	from	from	ADP
fsr-4224	28	12	the	the	DET
fsr-4224	28	13	lack	lack	NOUN
fsr-4224	28	14	of	of	ADP
fsr-4224	28	15	financial	financial	ADJ
fsr-4224	28	16	education	education	NOUN
fsr-4224	28	17	during	during	ADP
fsr-4224	28	18	communism	communism	NOUN
fsr-4224	28	19	,	,	PUNCT
fsr-4224	28	20	the	the	DET
fsr-4224	28	21	transition	transition	NOUN
fsr-4224	28	22	to	to	ADP
fsr-4224	28	23	a	a	DET
fsr-4224	28	24	market	market	NOUN
fsr-4224	28	25	economy	economy	NOUN
fsr-4224	28	26	,	,	PUNCT
fsr-4224	28	27	and	and	CCONJ
fsr-4224	28	28	the	the	DET
fsr-4224	28	29	conflict	conflict	NOUN
fsr-4224	28	30	between	between	ADP
fsr-4224	28	31	traditional	traditional	ADJ
fsr-4224	28	32	values	value	NOUN
fsr-4224	28	33	and	and	CCONJ
fsr-4224	28	34	modern	modern	ADJ
fsr-4224	28	35	economic	economic	ADJ
fsr-4224	28	36	demands	demand	NOUN
fsr-4224	28	37	.	.	PUNCT
fsr-4224	29	1	psychological	psychological	ADJ
fsr-4224	29	2	and	and	CCONJ
fsr-4224	29	3	sociocultural	sociocultural	ADJ
fsr-4224	29	4	factors	factor	NOUN
fsr-4224	29	5	,	,	PUNCT
fsr-4224	29	6	such	such	ADJ
fsr-4224	29	7	as	as	ADP
fsr-4224	29	8	tensions	tension	NOUN
fsr-4224	29	9	between	between	ADP
fsr-4224	29	10	collectivism	collectivism	NOUN
fsr-4224	29	11	and	and	CCONJ
fsr-4224	29	12	individualism	individualism	NOUN
fsr-4224	29	13	and	and	CCONJ
fsr-4224	29	14	distrust	distrust	NOUN
fsr-4224	29	15	of	of	ADP
fsr-4224	29	16	financial	financial	ADJ
fsr-4224	29	17	institutions	institution	NOUN
fsr-4224	29	18	,	,	PUNCT
fsr-4224	29	19	remain	remain	VERB
fsr-4224	29	20	underexplored	underexplored	ADJ
fsr-4224	29	21	.	.	PUNCT
fsr-4224	30	1	thus	thus	ADV
fsr-4224	30	2	,	,	PUNCT
fsr-4224	30	3	further	far	ADV
fsr-4224	30	4	empirical	empirical	ADJ
fsr-4224	30	5	research	research	NOUN
fsr-4224	30	6	is	be	AUX
fsr-4224	30	7	crucial	crucial	ADJ
fsr-4224	30	8	to	to	PART
fsr-4224	30	9	understand	understand	VERB
fsr-4224	30	10	emerging	emerge	VERB
fsr-4224	30	11	fmbs	fmb	NOUN
fsr-4224	30	12	and	and	CCONJ
fsr-4224	30	13	attitudes	attitude	NOUN
fsr-4224	30	14	in	in	ADP
fsr-4224	30	15	these	these	DET
fsr-4224	30	16	contexts	contexts	NOUN
fsr-4224	30	17	.	.	PUNCT
fsr-4224	31	1	in	in	ADP
fsr-4224	31	2	fmb	fmb	PROPN
fsr-4224	31	3	research	research	NOUN
fsr-4224	31	4	,	,	PUNCT
fsr-4224	31	5	the	the	DET
fsr-4224	31	6	theory	theory	NOUN
fsr-4224	31	7	of	of	ADP
fsr-4224	31	8	planned	plan	VERB
fsr-4224	31	9	behavior	behavior	NOUN
fsr-4224	31	10	(	(	PUNCT
fsr-4224	31	11	tpb	tpb	NOUN
fsr-4224	31	12	)	)	PUNCT
fsr-4224	31	13	(	(	PUNCT
fsr-4224	31	14	ajzen	ajzen	NOUN
fsr-4224	31	15	,	,	PUNCT
fsr-4224	31	16	1991	1991	NUM
fsr-4224	31	17	)	)	PUNCT
fsr-4224	31	18	has	have	AUX
fsr-4224	31	19	been	be	AUX
fsr-4224	31	20	widely	widely	ADV
fsr-4224	31	21	used	use	VERB
fsr-4224	31	22	to	to	PART
fsr-4224	31	23	predict	predict	VERB
fsr-4224	31	24	financial	financial	ADJ
fsr-4224	31	25	intentions	intention	NOUN
fsr-4224	31	26	and	and	CCONJ
fsr-4224	31	27	actions	action	NOUN
fsr-4224	31	28	by	by	ADP
fsr-4224	31	29	examining	examine	VERB
fsr-4224	31	30	attitudes	attitude	NOUN
fsr-4224	31	31	,	,	PUNCT
fsr-4224	31	32	subjective	subjective	ADJ
fsr-4224	31	33	norms	norm	NOUN
fsr-4224	31	34	,	,	PUNCT
fsr-4224	31	35	and	and	CCONJ
fsr-4224	31	36	perceived	perceive	VERB
fsr-4224	31	37	behavioral	behavioral	ADJ
fsr-4224	31	38	control	control	NOUN
fsr-4224	31	39	(	(	PUNCT
fsr-4224	31	40	xiao	xiao	PROPN
fsr-4224	31	41	&	&	CCONJ
fsr-4224	31	42	wu	wu	PROPN
fsr-4224	31	43	,	,	PUNCT
fsr-4224	31	44	2008	2008	NUM
fsr-4224	31	45	)	)	PUNCT
fsr-4224	31	46	.	.	PUNCT
fsr-4224	32	1	positive	positive	ADJ
fsr-4224	32	2	financial	financial	ADJ
fsr-4224	32	3	attitudes	attitude	NOUN
fsr-4224	32	4	,	,	PUNCT
fsr-4224	32	5	such	such	ADJ
fsr-4224	32	6	as	as	ADP
fsr-4224	32	7	toward	toward	ADP
fsr-4224	32	8	saving	saving	NOUN
fsr-4224	32	9	and	and	CCONJ
fsr-4224	32	10	budgeting	budgeting	NOUN
fsr-4224	32	11	,	,	PUNCT
fsr-4224	32	12	are	be	AUX
fsr-4224	32	13	consistently	consistently	ADV
fsr-4224	32	14	linked	link	VERB
fsr-4224	32	15	to	to	ADP
fsr-4224	32	16	better	well	ADJ
fsr-4224	32	17	financial	financial	ADJ
fsr-4224	32	18	behavior	behavior	NOUN
fsr-4224	32	19	(	(	PUNCT
fsr-4224	32	20	castrogonzález	castrogonzález	NOUN
fsr-4224	32	21	et	et	PROPN
fsr-4224	32	22	al	al	PROPN
fsr-4224	32	23	.	.	PROPN
fsr-4224	32	24	,	,	PUNCT
fsr-4224	32	25	2020	2020	NUM
fsr-4224	32	26	;	;	PUNCT
fsr-4224	32	27	perry	perry	PROPN
fsr-4224	32	28	&	&	CCONJ
fsr-4224	32	29	morris	morris	PROPN
fsr-4224	32	30	,	,	PUNCT
fsr-4224	32	31	2005	2005	NUM
fsr-4224	32	32	)	)	PUNCT
fsr-4224	32	33	.	.	PUNCT
fsr-4224	33	1	subjective	subjective	ADJ
fsr-4224	33	2	norms	norm	NOUN
fsr-4224	33	3	—	—	PUNCT
fsr-4224	33	4	social	social	ADJ
fsr-4224	33	5	pressures	pressure	NOUN
fsr-4224	33	6	from	from	ADP
fsr-4224	33	7	significant	significant	ADJ
fsr-4224	33	8	others	other	NOUN
fsr-4224	33	9	—	—	PUNCT
fsr-4224	33	10	also	also	ADV
fsr-4224	33	11	strongly	strongly	ADV
fsr-4224	33	12	shape	shape	VERB
fsr-4224	33	13	financial	financial	ADJ
fsr-4224	33	14	decisions	decision	NOUN
fsr-4224	33	15	(	(	PUNCT
fsr-4224	33	16	georgiou	georgiou	PROPN
fsr-4224	33	17	et	et	PROPN
fsr-4224	33	18	al	al	PROPN
fsr-4224	33	19	.	.	PROPN
fsr-4224	33	20	,	,	PUNCT
fsr-4224	33	21	2023	2023	NUM
fsr-4224	33	22	)	)	PUNCT
fsr-4224	33	23	.	.	PUNCT
fsr-4224	34	1	both	both	DET
fsr-4224	34	2	descriptive	descriptive	ADJ
fsr-4224	34	3	and	and	CCONJ
fsr-4224	34	4	injunctive	injunctive	ADJ
fsr-4224	34	5	norms	norm	NOUN
fsr-4224	34	6	influence	influence	NOUN
fsr-4224	34	7	behavior	behavior	NOUN
fsr-4224	34	8	,	,	PUNCT
fsr-4224	34	9	often	often	ADV
fsr-4224	34	10	stemming	stem	VERB
fsr-4224	34	11	from	from	ADP
fsr-4224	34	12	family	family	NOUN
fsr-4224	34	13	socialization	socialization	NOUN
fsr-4224	34	14	and	and	CCONJ
fsr-4224	34	15	peer	peer	NOUN
fsr-4224	34	16	influence	influence	NOUN
fsr-4224	34	17	(	(	PUNCT
fsr-4224	34	18	bicchieri	bicchieri	PROPN
fsr-4224	34	19	et	et	PROPN
fsr-4224	34	20	al	al	PROPN
fsr-4224	34	21	.	.	PROPN
fsr-4224	34	22	,	,	PUNCT
fsr-4224	34	23	2018	2018	NUM
fsr-4224	34	24	;	;	PUNCT
fsr-4224	34	25	salmivaara	salmivaara	VERB
fsr-4224	34	26	et	et	PROPN
fsr-4224	34	27	al	al	PROPN
fsr-4224	34	28	.	.	PROPN
fsr-4224	34	29	,	,	PUNCT
fsr-4224	34	30	2021	2021	NUM
fsr-4224	34	31	)	)	PUNCT
fsr-4224	34	32	.	.	PUNCT
fsr-4224	35	1	parents	parent	NOUN
fsr-4224	35	2	model	model	VERB
fsr-4224	35	3	financial	financial	ADJ
fsr-4224	35	4	behavior	behavior	NOUN
fsr-4224	35	5	,	,	PUNCT
fsr-4224	35	6	while	while	SCONJ
fsr-4224	35	7	peers	peer	NOUN
fsr-4224	35	8	contribute	contribute	VERB
fsr-4224	35	9	through	through	ADP
fsr-4224	35	10	social	social	ADJ
fsr-4224	35	11	learning	learning	NOUN
fsr-4224	35	12	and	and	CCONJ
fsr-4224	35	13	normative	normative	ADJ
fsr-4224	35	14	pressure	pressure	NOUN
fsr-4224	35	15	(	(	PUNCT
fsr-4224	35	16	goyal	goyal	NOUN
fsr-4224	35	17	et	et	PROPN
fsr-4224	35	18	al	al	PROPN
fsr-4224	35	19	.	.	PROPN
fsr-4224	35	20	,	,	PUNCT
fsr-4224	35	21	2023	2023	NUM
fsr-4224	35	22	;	;	PUNCT
fsr-4224	35	23	gudmunson	gudmunson	PROPN
fsr-4224	35	24	&	&	CCONJ
fsr-4224	35	25	danes	danes	PROPN
fsr-4224	35	26	,	,	PUNCT
fsr-4224	35	27	2011	2011	NUM
fsr-4224	35	28	)	)	PUNCT
fsr-4224	35	29	.	.	PUNCT
fsr-4224	36	1	financial	financial	ADJ
fsr-4224	36	2	self	self	NOUN
fsr-4224	36	3	-	-	PUNCT
fsr-4224	36	4	efficacy	efficacy	NOUN
fsr-4224	36	5	,	,	PUNCT
fsr-4224	36	6	or	or	CCONJ
fsr-4224	36	7	belief	belief	NOUN
fsr-4224	36	8	in	in	ADP
fsr-4224	36	9	one	one	NUM
fsr-4224	36	10	’s	’s	PART
fsr-4224	36	11	ability	ability	NOUN
fsr-4224	36	12	to	to	PART
fsr-4224	36	13	manage	manage	VERB
fsr-4224	36	14	finances	finance	NOUN
fsr-4224	36	15	,	,	PUNCT
fsr-4224	36	16	is	be	AUX
fsr-4224	36	17	positively	positively	ADV
fsr-4224	36	18	linked	link	VERB
fsr-4224	36	19	to	to	ADP
fsr-4224	36	20	better	well	ADJ
fsr-4224	36	21	financial	financial	ADJ
fsr-4224	36	22	practices	practice	NOUN
fsr-4224	36	23	and	and	CCONJ
fsr-4224	36	24	outcomes	outcome	NOUN
fsr-4224	36	25	(	(	PUNCT
fsr-4224	36	26	farrell	farrell	PROPN
fsr-4224	36	27	et	et	PROPN
fsr-4224	36	28	al	al	PROPN
fsr-4224	36	29	.	.	PROPN
fsr-4224	36	30	,	,	PUNCT
fsr-4224	36	31	2016	2016	NUM
fsr-4224	36	32	;	;	PUNCT
fsr-4224	36	33	lown	lown	PROPN
fsr-4224	36	34	,	,	PUNCT
fsr-4224	36	35	2011	2011	NUM
fsr-4224	36	36	)	)	PUNCT
fsr-4224	36	37	.	.	PUNCT
fsr-4224	37	1	similarly	similarly	ADV
fsr-4224	37	2	,	,	PUNCT
fsr-4224	37	3	subjective	subjective	ADJ
fsr-4224	37	4	financial	financial	ADJ
fsr-4224	37	5	knowledge	knowledge	NOUN
fsr-4224	37	6	—	—	PUNCT
fsr-4224	37	7	confidence	confidence	NOUN
fsr-4224	37	8	in	in	ADP
fsr-4224	37	9	financial	financial	ADJ
fsr-4224	37	10	understanding	understanding	NOUN
fsr-4224	37	11	—	—	PUNCT
fsr-4224	37	12	enhances	enhance	VERB
fsr-4224	37	13	decision	decision	NOUN
fsr-4224	37	14	-	-	PUNCT
fsr-4224	37	15	making	making	NOUN
fsr-4224	37	16	and	and	CCONJ
fsr-4224	37	17	positive	positive	ADJ
fsr-4224	37	18	financial	financial	ADJ
fsr-4224	37	19	behavior	behavior	NOUN
fsr-4224	37	20	(	(	PUNCT
fsr-4224	37	21	allgood	allgood	PROPN
fsr-4224	37	22	&	&	CCONJ
fsr-4224	37	23	walstad	walstad	PROPN
fsr-4224	37	24	,	,	PUNCT
fsr-4224	37	25	2016	2016	NUM
fsr-4224	37	26	;	;	PUNCT
fsr-4224	37	27	perry	perry	PROPN
fsr-4224	37	28	&	&	CCONJ
fsr-4224	37	29	morris	morris	PROPN
fsr-4224	37	30	,	,	PUNCT
fsr-4224	37	31	2005	2005	NUM
fsr-4224	37	32	)	)	PUNCT
fsr-4224	37	33	.	.	PUNCT
fsr-4224	38	1	prior	prior	ADJ
fsr-4224	38	2	research	research	NOUN
fsr-4224	38	3	(	(	PUNCT
fsr-4224	38	4	morris	morris	PROPN
fsr-4224	38	5	et	et	PROPN
fsr-4224	38	6	al	al	PROPN
fsr-4224	38	7	.	.	PROPN
fsr-4224	38	8	,	,	PUNCT
fsr-4224	38	9	2023	2023	NUM
fsr-4224	38	10	)	)	PUNCT
fsr-4224	38	11	highlights	highlight	NOUN
fsr-4224	38	12	that	that	SCONJ
fsr-4224	38	13	financial	financial	ADJ
fsr-4224	38	14	behavior	behavior	NOUN
fsr-4224	38	15	is	be	AUX
fsr-4224	38	16	shaped	shape	VERB
fsr-4224	38	17	by	by	ADP
fsr-4224	38	18	a	a	DET
fsr-4224	38	19	network	network	NOUN
fsr-4224	38	20	of	of	ADP
fsr-4224	38	21	factors	factor	NOUN
fsr-4224	38	22	,	,	PUNCT
fsr-4224	38	23	including	include	VERB
fsr-4224	38	24	past	past	ADJ
fsr-4224	38	25	experiences	experience	NOUN
fsr-4224	38	26	and	and	CCONJ
fsr-4224	38	27	attitudes	attitude	NOUN
fsr-4224	38	28	influenced	influence	VERB
fsr-4224	38	29	by	by	ADP
fsr-4224	38	30	knowledge	knowledge	NOUN
fsr-4224	38	31	.	.	PUNCT
fsr-4224	39	1	these	these	DET
fsr-4224	39	2	psychosocial	psychosocial	ADJ
fsr-4224	39	3	elements	element	NOUN
fsr-4224	39	4	interact	interact	VERB
fsr-4224	39	5	and	and	CCONJ
fsr-4224	39	6	should	should	AUX
fsr-4224	39	7	n't	not	PART
fsr-4224	39	8	be	be	AUX
fsr-4224	39	9	viewed	view	VERB
fsr-4224	39	10	in	in	ADP
fsr-4224	39	11	isolation	isolation	NOUN
fsr-4224	39	12	.	.	PUNCT
fsr-4224	40	1	yet	yet	ADV
fsr-4224	40	2	,	,	PUNCT
fsr-4224	40	3	despite	despite	SCONJ
fsr-4224	40	4	ample	ample	ADJ
fsr-4224	40	5	research	research	NOUN
fsr-4224	40	6	,	,	PUNCT
fsr-4224	40	7	asymmetric	asymmetric	ADJ
fsr-4224	40	8	analysis	analysis	NOUN
fsr-4224	40	9	in	in	ADP
fsr-4224	40	10	this	this	DET
fsr-4224	40	11	field	field	NOUN
fsr-4224	40	12	remains	remain	VERB
fsr-4224	40	13	underexplored	underexplored	ADJ
fsr-4224	40	14	(	(	PUNCT
fsr-4224	40	15	algarni	algarni	PROPN
fsr-4224	40	16	et	et	PROPN
fsr-4224	40	17	al	al	PROPN
fsr-4224	40	18	.	.	PROPN
fsr-4224	40	19	,	,	PUNCT
fsr-4224	40	20	2024	2024	NUM
fsr-4224	40	21	;	;	PUNCT
fsr-4224	40	22	ahamed	ahamed	PROPN
fsr-4224	40	23	,	,	PUNCT
fsr-4224	40	24	2024	2024	NUM
fsr-4224	40	25	)	)	PUNCT
fsr-4224	40	26	.	.	PUNCT
fsr-4224	41	1	to	to	PART
fsr-4224	41	2	address	address	VERB
fsr-4224	41	3	these	these	DET
fsr-4224	41	4	gaps	gap	NOUN
fsr-4224	41	5	in	in	ADP
fsr-4224	41	6	fmb	fmb	PROPN
fsr-4224	41	7	research	research	NOUN
fsr-4224	41	8	,	,	PUNCT
fsr-4224	41	9	this	this	DET
fsr-4224	41	10	study	study	NOUN
fsr-4224	41	11	investigates	investigate	VERB
fsr-4224	41	12	key	key	ADJ
fsr-4224	41	13	factors	factor	NOUN
fsr-4224	41	14	and	and	CCONJ
fsr-4224	41	15	their	their	PRON
fsr-4224	41	16	influence	influence	NOUN
fsr-4224	41	17	on	on	ADP
fsr-4224	41	18	polish	polish	ADJ
fsr-4224	41	19	young	young	ADJ
fsr-4224	41	20	adults	adult	NOUN
fsr-4224	41	21	’	'	PUNCT
fsr-4224	41	22	financial	financial	ADJ
fsr-4224	41	23	behavior	behavior	NOUN
fsr-4224	41	24	,	,	PUNCT
fsr-4224	41	25	including	include	VERB
fsr-4224	41	26	how	how	SCONJ
fsr-4224	41	27	combinations	combination	NOUN
fsr-4224	41	28	of	of	ADP
fsr-4224	41	29	these	these	DET
fsr-4224	41	30	factors	factor	NOUN
fsr-4224	41	31	lead	lead	VERB
fsr-4224	41	32	to	to	ADP
fsr-4224	41	33	positive	positive	ADJ
fsr-4224	41	34	or	or	CCONJ
fsr-4224	41	35	negative	negative	ADJ
fsr-4224	41	36	outcomes	outcome	NOUN
fsr-4224	41	37	,	,	PUNCT
fsr-4224	41	38	using	use	VERB
fsr-4224	41	39	a	a	DET
fsr-4224	41	40	hybrid	hybrid	ADJ
fsr-4224	41	41	pls	pls	NOUN
fsr-4224	41	42	-	-	PUNCT
fsr-4224	41	43	sem	sem	NOUN
fsr-4224	41	44	and	and	CCONJ
fsr-4224	41	45	fsqca	fsqca	NOUN
fsr-4224	41	46	approach	approach	NOUN
fsr-4224	41	47	(	(	PUNCT
fsr-4224	41	48	chaouali	chaouali	PROPN
fsr-4224	41	49	et	et	PROPN
fsr-4224	41	50	al	al	PROPN
fsr-4224	41	51	.	.	PROPN
fsr-4224	41	52	,	,	PUNCT
fsr-4224	41	53	2024	2024	NUM
fsr-4224	41	54	;	;	PUNCT
fsr-4224	41	55	pappas	pappas	PROPN
fsr-4224	41	56	&	&	CCONJ
fsr-4224	41	57	woodside	woodside	PROPN
fsr-4224	41	58	,	,	PUNCT
fsr-4224	41	59	2021	2021	NUM
fsr-4224	41	60	)	)	PUNCT
fsr-4224	41	61	.	.	PUNCT
fsr-4224	42	1	employing	employ	VERB
fsr-4224	42	2	both	both	CCONJ
fsr-4224	42	3	symmetric	symmetric	ADJ
fsr-4224	42	4	(	(	PUNCT
fsr-4224	42	5	net	net	ADJ
fsr-4224	42	6	effects	effect	NOUN
fsr-4224	42	7	)	)	PUNCT
fsr-4224	42	8	and	and	CCONJ
fsr-4224	42	9	asymmetric	asymmetric	ADJ
fsr-4224	42	10	(	(	PUNCT
fsr-4224	42	11	combinatory	combinatory	NOUN
fsr-4224	42	12	effects	effect	NOUN
fsr-4224	42	13	)	)	PUNCT
fsr-4224	42	14	modeling	modeling	NOUN
fsr-4224	42	15	methodologies	methodology	NOUN
fsr-4224	42	16	provides	provide	VERB
fsr-4224	42	17	a	a	DET
fsr-4224	42	18	more	more	ADV
fsr-4224	42	19	comprehensive	comprehensive	ADJ
fsr-4224	42	20	and	and	CCONJ
fsr-4224	42	21	nuanced	nuanced	ADJ
fsr-4224	42	22	understanding	understanding	NOUN
fsr-4224	42	23	of	of	ADP
fsr-4224	42	24	the	the	DET
fsr-4224	42	25	antecedent	antecedent	NOUN
fsr-4224	42	26	factor	factor	NOUN
fsr-4224	42	27	patterns	pattern	NOUN
fsr-4224	42	28	.	.	PUNCT
fsr-4224	43	1	sole	sole	ADJ
fsr-4224	43	2	reliance	reliance	NOUN
fsr-4224	43	3	on	on	ADP
fsr-4224	43	4	a	a	DET
fsr-4224	43	5	single	single	ADJ
fsr-4224	43	6	methodology	methodology	NOUN
fsr-4224	43	7	might	might	AUX
fsr-4224	43	8	limit	limit	VERB
fsr-4224	43	9	insights	insight	NOUN
fsr-4224	43	10	into	into	ADP
fsr-4224	43	11	complex	complex	ADJ
fsr-4224	43	12	phenomena	phenomenon	NOUN
fsr-4224	43	13	(	(	PUNCT
fsr-4224	43	14	gil	gil	PROPN
fsr-4224	43	15	-	-	PROPN
fsr-4224	43	16	cordero	cordero	PROPN
fsr-4224	43	17	et	et	PROPN
fsr-4224	43	18	al	al	PROPN
fsr-4224	43	19	.	.	PROPN
fsr-4224	43	20	,	,	PUNCT
fsr-4224	43	21	2024	2024	NUM
fsr-4224	43	22	)	)	PUNCT
fsr-4224	43	23	.	.	PUNCT
fsr-4224	44	1	furthermore	furthermore	ADV
fsr-4224	44	2	,	,	PUNCT
fsr-4224	44	3	complexity	complexity	NOUN
fsr-4224	44	4	theory	theory	NOUN
fsr-4224	44	5	,	,	PUNCT
fsr-4224	44	6	which	which	PRON
fsr-4224	44	7	utilizes	utilize	VERB
fsr-4224	44	8	boolean	boolean	ADJ
fsr-4224	44	9	algebra	algebra	NOUN
fsr-4224	44	10	and	and	CCONJ
fsr-4224	44	11	asymmetric	asymmetric	ADJ
fsr-4224	44	12	thinking	thinking	NOUN
fsr-4224	44	13	,	,	PUNCT
fsr-4224	44	14	enables	enable	VERB
fsr-4224	44	15	the	the	DET
fsr-4224	44	16	exploration	exploration	NOUN
fsr-4224	44	17	of	of	ADP
fsr-4224	44	18	non	non	ADJ
fsr-4224	44	19	-	-	ADJ
fsr-4224	44	20	linear	linear	ADJ
fsr-4224	44	21	phenomena	phenomenon	NOUN
fsr-4224	44	22	(	(	PUNCT
fsr-4224	44	23	ragin	ragin	ADJ
fsr-4224	44	24	,	,	PUNCT
fsr-4224	44	25	2009	2009	NUM
fsr-4224	44	26	)	)	PUNCT
fsr-4224	44	27	.	.	PUNCT
fsr-4224	45	1	fsqca	fsqca	PROPN
fsr-4224	45	2	integrates	integrate	NOUN
fsr-4224	45	3	qualitative	qualitative	ADJ
fsr-4224	45	4	and	and	CCONJ
fsr-4224	45	5	quantitative	quantitative	ADJ
fsr-4224	45	6	outlooks	outlook	NOUN
fsr-4224	45	7	,	,	PUNCT
fsr-4224	45	8	financial	financial	ADJ
fsr-4224	45	9	services	service	NOUN
fsr-4224	45	10	review	review	NOUN
fsr-4224	45	11	,	,	PUNCT
fsr-4224	45	12	33(4	33(4	NUM
fsr-4224	45	13	)	)	PUNCT
fsr-4224	45	14	166	166	NUM
fsr-4224	45	15	addressing	address	VERB
fsr-4224	45	16	the	the	DET
fsr-4224	45	17	limitations	limitation	NOUN
fsr-4224	45	18	of	of	ADP
fsr-4224	45	19	variable	variable	NOUN
fsr-4224	45	20	-	-	PUNCT
fsr-4224	45	21	oriented	orient	VERB
fsr-4224	45	22	analysis	analysis	NOUN
fsr-4224	45	23	while	while	SCONJ
fsr-4224	45	24	offering	offer	VERB
fsr-4224	45	25	the	the	DET
fsr-4224	45	26	precision	precision	NOUN
fsr-4224	45	27	of	of	ADP
fsr-4224	45	28	caseoriented	caseoriente	VERB
fsr-4224	45	29	analysis	analysis	NOUN
fsr-4224	45	30	(	(	PUNCT
fsr-4224	45	31	mason	mason	PROPN
fsr-4224	45	32	et	et	PROPN
fsr-4224	45	33	al	al	PROPN
fsr-4224	45	34	.	.	PROPN
fsr-4224	45	35	,	,	PUNCT
fsr-4224	45	36	2023	2023	NUM
fsr-4224	45	37	)	)	PUNCT
fsr-4224	45	38	.	.	PUNCT
fsr-4224	46	1	this	this	DET
fsr-4224	46	2	approach	approach	NOUN
fsr-4224	46	3	allows	allow	VERB
fsr-4224	46	4	for	for	ADP
fsr-4224	46	5	the	the	DET
fsr-4224	46	6	examination	examination	NOUN
fsr-4224	46	7	of	of	ADP
fsr-4224	46	8	intricate	intricate	ADJ
fsr-4224	46	9	conditions	condition	NOUN
fsr-4224	46	10	that	that	PRON
fsr-4224	46	11	predict	predict	VERB
fsr-4224	46	12	outcomes	outcome	NOUN
fsr-4224	46	13	,	,	PUNCT
fsr-4224	46	14	particularly	particularly	ADV
fsr-4224	46	15	concerning	concern	VERB
fsr-4224	46	16	the	the	DET
fsr-4224	46	17	fmb	fmb	NOUN
fsr-4224	46	18	of	of	ADP
fsr-4224	46	19	young	young	ADJ
fsr-4224	46	20	polish	polish	ADJ
fsr-4224	46	21	adults	adult	NOUN
fsr-4224	46	22	.	.	PUNCT
fsr-4224	47	1	by	by	ADP
fsr-4224	47	2	applying	apply	VERB
fsr-4224	47	3	a	a	DET
fsr-4224	47	4	hybrid	hybrid	ADJ
fsr-4224	47	5	analytical	analytical	ADJ
fsr-4224	47	6	technique	technique	NOUN
fsr-4224	47	7	,	,	PUNCT
fsr-4224	47	8	this	this	DET
fsr-4224	47	9	study	study	NOUN
fsr-4224	47	10	is	be	AUX
fsr-4224	47	11	among	among	ADP
fsr-4224	47	12	the	the	DET
fsr-4224	47	13	few	few	ADJ
fsr-4224	47	14	in	in	ADP
fsr-4224	47	15	the	the	DET
fsr-4224	47	16	domain	domain	NOUN
fsr-4224	47	17	that	that	PRON
fsr-4224	47	18	advances	advance	VERB
fsr-4224	47	19	theoretical	theoretical	ADJ
fsr-4224	47	20	understanding	understanding	NOUN
fsr-4224	47	21	by	by	ADP
fsr-4224	47	22	combining	combine	VERB
fsr-4224	47	23	granular	granular	ADJ
fsr-4224	47	24	findings	finding	NOUN
fsr-4224	47	25	into	into	ADP
fsr-4224	47	26	propositions	proposition	NOUN
fsr-4224	47	27	.	.	PUNCT
fsr-4224	48	1	these	these	DET
fsr-4224	48	2	propositions	proposition	NOUN
fsr-4224	48	3	may	may	AUX
fsr-4224	48	4	contribute	contribute	VERB
fsr-4224	48	5	to	to	ADP
fsr-4224	48	6	further	further	ADJ
fsr-4224	48	7	theory	theory	NOUN
fsr-4224	48	8	development	development	NOUN
fsr-4224	48	9	and	and	CCONJ
fsr-4224	48	10	policy	policy	NOUN
fsr-4224	48	11	interventions	intervention	NOUN
fsr-4224	48	12	,	,	PUNCT
fsr-4224	48	13	particularly	particularly	ADV
fsr-4224	48	14	within	within	ADP
fsr-4224	48	15	the	the	DET
fsr-4224	48	16	eastern	eastern	ADJ
fsr-4224	48	17	european	european	PROPN
fsr-4224	48	18	region	region	NOUN
fsr-4224	48	19	.	.	PUNCT
fsr-4224	49	1	this	this	DET
fsr-4224	49	2	study	study	NOUN
fsr-4224	49	3	seeks	seek	VERB
fsr-4224	49	4	to	to	PART
fsr-4224	49	5	provide	provide	VERB
fsr-4224	49	6	a	a	DET
fsr-4224	49	7	more	more	ADV
fsr-4224	49	8	nuanced	nuanced	ADJ
fsr-4224	49	9	understanding	understanding	NOUN
fsr-4224	49	10	of	of	ADP
fsr-4224	49	11	the	the	DET
fsr-4224	49	12	factors	factor	NOUN
fsr-4224	49	13	influencing	influence	VERB
fsr-4224	49	14	fmb	fmb	NOUN
fsr-4224	49	15	among	among	ADP
fsr-4224	49	16	young	young	ADJ
fsr-4224	49	17	adults	adult	NOUN
fsr-4224	49	18	in	in	ADP
fsr-4224	49	19	poland	poland	PROPN
fsr-4224	49	20	,	,	PUNCT
fsr-4224	49	21	an	an	DET
fsr-4224	49	22	eastern	eastern	ADJ
fsr-4224	49	23	european	european	ADJ
fsr-4224	49	24	country	country	NOUN
fsr-4224	49	25	,	,	PUNCT
fsr-4224	49	26	with	with	ADP
fsr-4224	49	27	the	the	DET
fsr-4224	49	28	potential	potential	NOUN
fsr-4224	49	29	to	to	PART
fsr-4224	49	30	generalize	generalize	VERB
fsr-4224	49	31	findings	finding	NOUN
fsr-4224	49	32	to	to	ADP
fsr-4224	49	33	other	other	ADJ
fsr-4224	49	34	nations	nation	NOUN
fsr-4224	49	35	in	in	ADP
fsr-4224	49	36	the	the	DET
fsr-4224	49	37	region	region	NOUN
fsr-4224	49	38	.	.	PUNCT
fsr-4224	50	1	the	the	DET
fsr-4224	50	2	results	result	NOUN
fsr-4224	50	3	will	will	AUX
fsr-4224	50	4	contribute	contribute	VERB
fsr-4224	50	5	to	to	ADP
fsr-4224	50	6	the	the	DET
fsr-4224	50	7	broader	broad	ADJ
fsr-4224	50	8	literature	literature	NOUN
fsr-4224	50	9	on	on	ADP
fsr-4224	50	10	financial	financial	ADJ
fsr-4224	50	11	behavior	behavior	NOUN
fsr-4224	50	12	and	and	CCONJ
fsr-4224	50	13	offer	offer	VERB
fsr-4224	50	14	valuable	valuable	ADJ
fsr-4224	50	15	insights	insight	NOUN
fsr-4224	50	16	for	for	ADP
fsr-4224	50	17	policymakers	policymaker	NOUN
fsr-4224	50	18	and	and	CCONJ
fsr-4224	50	19	financial	financial	ADJ
fsr-4224	50	20	educators	educator	NOUN
fsr-4224	50	21	,	,	PUNCT
fsr-4224	50	22	both	both	CCONJ
fsr-4224	50	23	regionally	regionally	ADV
fsr-4224	50	24	and	and	CCONJ
fsr-4224	50	25	globally	globally	ADV
fsr-4224	50	26	.	.	PUNCT
fsr-4224	51	1	specifically	specifically	ADV
fsr-4224	51	2	,	,	PUNCT
fsr-4224	51	3	the	the	DET
fsr-4224	51	4	research	research	NOUN
fsr-4224	51	5	addresses	address	VERB
fsr-4224	51	6	the	the	DET
fsr-4224	51	7	following	follow	VERB
fsr-4224	51	8	research	research	NOUN
fsr-4224	51	9	questions	question	NOUN
fsr-4224	51	10	:	:	PUNCT
fsr-4224	52	1	1	1	X
fsr-4224	52	2	.	.	X
fsr-4224	53	1	what	what	PRON
fsr-4224	53	2	factors	factor	NOUN
fsr-4224	53	3	influence	influence	VERB
fsr-4224	53	4	the	the	DET
fsr-4224	53	5	desirable	desirable	ADJ
fsr-4224	53	6	fmb	fmb	NOUN
fsr-4224	53	7	of	of	ADP
fsr-4224	53	8	polish	polish	ADJ
fsr-4224	53	9	young	young	ADJ
fsr-4224	53	10	adults	adult	NOUN
fsr-4224	53	11	?	?	PUNCT
fsr-4224	54	1	2	2	X
fsr-4224	54	2	.	.	X
fsr-4224	54	3	to	to	ADP
fsr-4224	54	4	what	what	DET
fsr-4224	54	5	extent	extent	NOUN
fsr-4224	54	6	do	do	AUX
fsr-4224	54	7	these	these	DET
fsr-4224	54	8	factors	factor	NOUN
fsr-4224	54	9	exert	exert	VERB
fsr-4224	54	10	their	their	PRON
fsr-4224	54	11	influence	influence	NOUN
fsr-4224	54	12	on	on	ADP
fsr-4224	54	13	financial	financial	ADJ
fsr-4224	54	14	behavior	behavior	NOUN
fsr-4224	54	15	outcomes	outcome	NOUN
fsr-4224	54	16	?	?	PUNCT
fsr-4224	55	1	3	3	X
fsr-4224	55	2	.	.	X
fsr-4224	56	1	what	what	PRON
fsr-4224	56	2	combinations	combination	NOUN
fsr-4224	56	3	of	of	ADP
fsr-4224	56	4	causal	causal	ADJ
fsr-4224	56	5	factors	factor	NOUN
fsr-4224	56	6	contribute	contribute	VERB
fsr-4224	56	7	to	to	ADP
fsr-4224	56	8	positive	positive	ADJ
fsr-4224	56	9	or	or	CCONJ
fsr-4224	56	10	negative	negative	ADJ
fsr-4224	56	11	financial	financial	ADJ
fsr-4224	56	12	behaviors	behavior	NOUN
fsr-4224	56	13	among	among	ADP
fsr-4224	56	14	young	young	ADJ
fsr-4224	56	15	adults	adult	NOUN
fsr-4224	56	16	in	in	ADP
fsr-4224	56	17	poland	poland	PROPN
fsr-4224	56	18	?	?	PUNCT
fsr-4224	57	1	4	4	X
fsr-4224	57	2	.	.	X
fsr-4224	58	1	what	what	PRON
fsr-4224	58	2	factors	factor	NOUN
fsr-4224	58	3	influence	influence	VERB
fsr-4224	58	4	the	the	DET
fsr-4224	58	5	desirable	desirable	ADJ
fsr-4224	58	6	fmb	fmb	NOUN
fsr-4224	58	7	of	of	ADP
fsr-4224	58	8	polish	polish	ADJ
fsr-4224	58	9	young	young	ADJ
fsr-4224	58	10	adults	adult	NOUN
fsr-4224	58	11	,	,	PUNCT
fsr-4224	58	12	to	to	ADP
fsr-4224	58	13	what	what	DET
fsr-4224	58	14	extent	extent	NOUN
fsr-4224	58	15	do	do	AUX
fsr-4224	58	16	these	these	DET
fsr-4224	58	17	factors	factor	NOUN
fsr-4224	58	18	exert	exert	VERB
fsr-4224	58	19	their	their	PRON
fsr-4224	58	20	influence	influence	NOUN
fsr-4224	58	21	,	,	PUNCT
fsr-4224	58	22	and	and	CCONJ
fsr-4224	58	23	what	what	DET
fsr-4224	58	24	combinations	combination	NOUN
fsr-4224	58	25	of	of	ADP
fsr-4224	58	26	causal	causal	ADJ
fsr-4224	58	27	factors	factor	NOUN
fsr-4224	58	28	may	may	AUX
fsr-4224	58	29	lead	lead	VERB
fsr-4224	58	30	to	to	ADP
fsr-4224	58	31	positive	positive	ADJ
fsr-4224	58	32	or	or	CCONJ
fsr-4224	58	33	negative	negative	ADJ
fsr-4224	58	34	financial	financial	ADJ
fsr-4224	58	35	behaviors	behavior	NOUN
fsr-4224	58	36	among	among	ADP
fsr-4224	58	37	young	young	ADJ
fsr-4224	58	38	adults	adult	NOUN
fsr-4224	58	39	in	in	ADP
fsr-4224	58	40	poland	poland	PROPN
fsr-4224	58	41	?	?	PUNCT
fsr-4224	59	1	this	this	DET
fsr-4224	59	2	study	study	NOUN
fsr-4224	59	3	makes	make	VERB
fsr-4224	59	4	three	three	NUM
fsr-4224	59	5	precise	precise	ADJ
fsr-4224	59	6	contributions	contribution	NOUN
fsr-4224	59	7	to	to	ADP
fsr-4224	59	8	the	the	DET
fsr-4224	59	9	understanding	understanding	NOUN
fsr-4224	59	10	of	of	ADP
fsr-4224	59	11	fmb	fmb	NOUN
fsr-4224	59	12	among	among	ADP
fsr-4224	59	13	young	young	ADJ
fsr-4224	59	14	adults	adult	NOUN
fsr-4224	59	15	.	.	PUNCT
fsr-4224	60	1	first	first	ADV
fsr-4224	60	2	,	,	PUNCT
fsr-4224	60	3	the	the	DET
fsr-4224	60	4	research	research	NOUN
fsr-4224	60	5	investigates	investigate	VERB
fsr-4224	60	6	the	the	DET
fsr-4224	60	7	effects	effect	NOUN
fsr-4224	60	8	of	of	ADP
fsr-4224	60	9	money	money	NOUN
fsr-4224	60	10	attitudes	attitude	NOUN
fsr-4224	60	11	,	,	PUNCT
fsr-4224	60	12	social	social	ADJ
fsr-4224	60	13	norms	norm	NOUN
fsr-4224	60	14	(	(	PUNCT
fsr-4224	60	15	family	family	NOUN
fsr-4224	60	16	financial	financial	ADJ
fsr-4224	60	17	socialization	socialization	NOUN
fsr-4224	60	18	and	and	CCONJ
fsr-4224	60	19	peer	peer	NOUN
fsr-4224	60	20	influence	influence	NOUN
fsr-4224	60	21	)	)	PUNCT
fsr-4224	60	22	,	,	PUNCT
fsr-4224	60	23	and	and	CCONJ
fsr-4224	60	24	perceived	perceive	VERB
fsr-4224	60	25	behavioral	behavioral	ADJ
fsr-4224	60	26	control	control	NOUN
fsr-4224	60	27	(	(	PUNCT
fsr-4224	60	28	subjective	subjective	ADJ
fsr-4224	60	29	financial	financial	ADJ
fsr-4224	60	30	knowledge	knowledge	NOUN
fsr-4224	60	31	and	and	CCONJ
fsr-4224	60	32	financial	financial	ADJ
fsr-4224	60	33	self	self	NOUN
fsr-4224	60	34	-	-	PUNCT
fsr-4224	60	35	efficacy	efficacy	NOUN
fsr-4224	60	36	)	)	PUNCT
fsr-4224	60	37	within	within	ADP
fsr-4224	60	38	the	the	DET
fsr-4224	60	39	framework	framework	NOUN
fsr-4224	60	40	of	of	ADP
fsr-4224	60	41	the	the	DET
fsr-4224	60	42	tpb	tpb	NOUN
fsr-4224	60	43	.	.	PUNCT
fsr-4224	61	1	second	second	ADJ
fsr-4224	61	2	,	,	PUNCT
fsr-4224	61	3	the	the	DET
fsr-4224	61	4	study	study	NOUN
fsr-4224	61	5	employs	employ	VERB
fsr-4224	61	6	a	a	DET
fsr-4224	61	7	dual	dual	ADJ
fsr-4224	61	8	-	-	PUNCT
fsr-4224	61	9	method	method	NOUN
fsr-4224	61	10	approach	approach	NOUN
fsr-4224	61	11	by	by	ADP
fsr-4224	61	12	combining	combine	VERB
fsr-4224	61	13	pls	pls	NOUN
fsr-4224	61	14	-	-	PUNCT
fsr-4224	61	15	sem	sem	NOUN
fsr-4224	61	16	and	and	CCONJ
fsr-4224	61	17	fsqca	fsqca	NOUN
fsr-4224	61	18	to	to	PART
fsr-4224	61	19	identify	identify	VERB
fsr-4224	61	20	both	both	DET
fsr-4224	61	21	direct	direct	ADJ
fsr-4224	61	22	effects	effect	NOUN
fsr-4224	61	23	and	and	CCONJ
fsr-4224	61	24	combinations	combination	NOUN
fsr-4224	61	25	of	of	ADP
fsr-4224	61	26	causal	causal	ADJ
fsr-4224	61	27	factors	factor	NOUN
fsr-4224	61	28	influencing	influence	VERB
fsr-4224	61	29	financial	financial	ADJ
fsr-4224	61	30	behavior	behavior	NOUN
fsr-4224	61	31	.	.	PUNCT
fsr-4224	62	1	third	third	ADV
fsr-4224	62	2	,	,	PUNCT
fsr-4224	62	3	the	the	DET
fsr-4224	62	4	research	research	NOUN
fsr-4224	62	5	focuses	focus	VERB
fsr-4224	62	6	specifically	specifically	ADV
fsr-4224	62	7	on	on	ADP
fsr-4224	62	8	young	young	ADJ
fsr-4224	62	9	adults	adult	NOUN
fsr-4224	62	10	in	in	ADP
fsr-4224	62	11	eastern	eastern	ADJ
fsr-4224	62	12	european	european	ADJ
fsr-4224	62	13	countries	country	NOUN
fsr-4224	62	14	,	,	PUNCT
fsr-4224	62	15	where	where	SCONJ
fsr-4224	62	16	research	research	NOUN
fsr-4224	62	17	in	in	ADP
fsr-4224	62	18	this	this	DET
fsr-4224	62	19	area	area	NOUN
fsr-4224	62	20	is	be	AUX
fsr-4224	62	21	limited	limit	VERB
fsr-4224	62	22	,	,	PUNCT
fsr-4224	62	23	providing	provide	VERB
fsr-4224	62	24	novel	novel	ADJ
fsr-4224	62	25	insights	insight	NOUN
fsr-4224	62	26	into	into	ADP
fsr-4224	62	27	the	the	DET
fsr-4224	62	28	factors	factor	NOUN
fsr-4224	62	29	shaping	shape	VERB
fsr-4224	62	30	their	their	PRON
fsr-4224	62	31	financial	financial	ADJ
fsr-4224	62	32	management	management	NOUN
fsr-4224	62	33	practices	practice	NOUN
fsr-4224	62	34	.	.	PUNCT
fsr-4224	63	1	overall	overall	ADV
fsr-4224	63	2	,	,	PUNCT
fsr-4224	63	3	the	the	DET
fsr-4224	63	4	study	study	NOUN
fsr-4224	63	5	expands	expand	VERB
fsr-4224	63	6	the	the	DET
fsr-4224	63	7	research	research	NOUN
fsr-4224	63	8	on	on	ADP
fsr-4224	63	9	young	young	ADJ
fsr-4224	63	10	consumers	consumer	NOUN
fsr-4224	63	11	'	'	PART
fsr-4224	63	12	fmb	fmb	NOUN
fsr-4224	63	13	and	and	CCONJ
fsr-4224	63	14	highlights	highlight	NOUN
fsr-4224	63	15	the	the	DET
fsr-4224	63	16	dynamic	dynamic	ADJ
fsr-4224	63	17	interplay	interplay	NOUN
fsr-4224	63	18	of	of	ADP
fsr-4224	63	19	various	various	ADJ
fsr-4224	63	20	influencing	influence	VERB
fsr-4224	63	21	factors	factor	NOUN
fsr-4224	63	22	.	.	PUNCT
fsr-4224	64	1	literature	literature	NOUN
fsr-4224	64	2	review	review	PROPN
fsr-4224	64	3	and	and	CCONJ
fsr-4224	64	4	hypotheses	hypothese	VERB
fsr-4224	64	5	development	development	NOUN
fsr-4224	64	6	tpb	tpb	NOUN
fsr-4224	64	7	as	as	ADP
fsr-4224	64	8	an	an	DET
fsr-4224	64	9	organizing	organizing	NOUN
fsr-4224	64	10	framework	framework	NOUN
fsr-4224	64	11	for	for	ADP
fsr-4224	64	12	fmb	fmb	PROPN
fsr-4224	64	13	the	the	DET
fsr-4224	64	14	theory	theory	NOUN
fsr-4224	64	15	of	of	ADP
fsr-4224	64	16	planned	plan	VERB
fsr-4224	64	17	behavior	behavior	NOUN
fsr-4224	64	18	(	(	PUNCT
fsr-4224	64	19	tpb	tpb	NOUN
fsr-4224	64	20	)	)	PUNCT
fsr-4224	64	21	is	be	AUX
fsr-4224	64	22	a	a	DET
fsr-4224	64	23	well	well	ADV
fsr-4224	64	24	-	-	PUNCT
fsr-4224	64	25	established	establish	VERB
fsr-4224	64	26	conceptual	conceptual	ADJ
fsr-4224	64	27	framework	framework	NOUN
fsr-4224	64	28	used	use	VERB
fsr-4224	64	29	to	to	PART
fsr-4224	64	30	explain	explain	VERB
fsr-4224	64	31	human	human	ADJ
fsr-4224	64	32	behavior	behavior	NOUN
fsr-4224	64	33	across	across	ADP
fsr-4224	64	34	various	various	ADJ
fsr-4224	64	35	domains	domain	NOUN
fsr-4224	64	36	,	,	PUNCT
fsr-4224	64	37	including	include	VERB
fsr-4224	64	38	financial	financial	ADJ
fsr-4224	64	39	behavior	behavior	NOUN
fsr-4224	64	40	(	(	PUNCT
fsr-4224	64	41	ajzen	ajzen	NOUN
fsr-4224	64	42	,	,	PUNCT
fsr-4224	64	43	1991	1991	NUM
fsr-4224	64	44	;	;	PUNCT
fsr-4224	64	45	yeo	yeo	PROPN
fsr-4224	64	46	et	et	PROPN
fsr-4224	64	47	al	al	PROPN
fsr-4224	64	48	.	.	PROPN
fsr-4224	64	49	,	,	PUNCT
fsr-4224	64	50	2024	2024	NUM
fsr-4224	64	51	)	)	PUNCT
fsr-4224	64	52	.	.	PUNCT
fsr-4224	65	1	tpb	tpb	NOUN
fsr-4224	65	2	posits	posit	NOUN
fsr-4224	65	3	that	that	PRON
fsr-4224	65	4	behavior	behavior	NOUN
fsr-4224	65	5	is	be	AUX
fsr-4224	65	6	primarily	primarily	ADV
fsr-4224	65	7	driven	drive	VERB
fsr-4224	65	8	by	by	ADP
fsr-4224	65	9	three	three	NUM
fsr-4224	65	10	core	core	NOUN
fsr-4224	65	11	factors	factor	NOUN
fsr-4224	65	12	:	:	PUNCT
fsr-4224	65	13	attitudes	attitude	NOUN
fsr-4224	65	14	,	,	PUNCT
fsr-4224	65	15	subjective	subjective	ADJ
fsr-4224	65	16	norms	norm	NOUN
fsr-4224	65	17	,	,	PUNCT
fsr-4224	65	18	and	and	CCONJ
fsr-4224	65	19	perceived	perceive	VERB
fsr-4224	65	20	behavioral	behavioral	ADJ
fsr-4224	65	21	control	control	NOUN
fsr-4224	65	22	,	,	PUNCT
fsr-4224	65	23	which	which	PRON
fsr-4224	65	24	together	together	ADV
fsr-4224	65	25	shape	shape	VERB
fsr-4224	65	26	behavioral	behavioral	ADJ
fsr-4224	65	27	intentions	intention	NOUN
fsr-4224	65	28	and	and	CCONJ
fsr-4224	65	29	subsequent	subsequent	ADJ
fsr-4224	65	30	actions	action	NOUN
fsr-4224	65	31	(	(	PUNCT
fsr-4224	65	32	ajzen	ajzen	NOUN
fsr-4224	65	33	,	,	PUNCT
fsr-4224	65	34	1991	1991	NUM
fsr-4224	65	35	;	;	PUNCT
fsr-4224	65	36	armitage	armitage	PROPN
fsr-4224	65	37	&	&	CCONJ
fsr-4224	65	38	conner	conner	PROPN
fsr-4224	65	39	,	,	PUNCT
fsr-4224	65	40	2001	2001	NUM
fsr-4224	65	41	)	)	PUNCT
fsr-4224	65	42	.	.	PUNCT
fsr-4224	66	1	this	this	DET
fsr-4224	66	2	model	model	NOUN
fsr-4224	66	3	provides	provide	VERB
fsr-4224	66	4	a	a	DET
fsr-4224	66	5	systematic	systematic	ADJ
fsr-4224	66	6	structure	structure	NOUN
fsr-4224	66	7	for	for	ADP
fsr-4224	66	8	integrating	integrate	VERB
fsr-4224	66	9	diverse	diverse	ADJ
fsr-4224	66	10	financial	financial	ADJ
fsr-4224	66	11	constructs	construct	NOUN
fsr-4224	66	12	,	,	PUNCT
fsr-4224	66	13	allowing	allow	VERB
fsr-4224	66	14	researchers	researcher	NOUN
fsr-4224	66	15	to	to	PART
fsr-4224	66	16	organize	organize	VERB
fsr-4224	66	17	complex	complex	ADJ
fsr-4224	66	18	influences	influence	NOUN
fsr-4224	66	19	into	into	ADP
fsr-4224	66	20	a	a	DET
fsr-4224	66	21	cohesive	cohesive	ADJ
fsr-4224	66	22	framework	framework	NOUN
fsr-4224	66	23	(	(	PUNCT
fsr-4224	66	24	magwegwea	magwegwea	NOUN
fsr-4224	66	25	&	&	CCONJ
fsr-4224	66	26	lim	lim	PROPN
fsr-4224	66	27	,	,	PUNCT
fsr-4224	66	28	2020	2020	NUM
fsr-4224	66	29	;	;	PUNCT
fsr-4224	66	30	yeo	yeo	PROPN
fsr-4224	66	31	et	et	PROPN
fsr-4224	66	32	al	al	PROPN
fsr-4224	66	33	.	.	PROPN
fsr-4224	66	34	,	,	PUNCT
fsr-4224	66	35	2024	2024	NUM
fsr-4224	66	36	)	)	PUNCT
fsr-4224	66	37	.	.	PUNCT
fsr-4224	67	1	first	first	ADV
fsr-4224	67	2	,	,	PUNCT
fsr-4224	67	3	attitudes	attitude	NOUN
fsr-4224	67	4	within	within	ADP
fsr-4224	67	5	tpb	tpb	NOUN
fsr-4224	67	6	capture	capture	NOUN
fsr-4224	67	7	an	an	DET
fsr-4224	67	8	individual	individual	NOUN
fsr-4224	67	9	’s	’s	PART
fsr-4224	67	10	overall	overall	ADJ
fsr-4224	67	11	evaluation	evaluation	NOUN
fsr-4224	67	12	of	of	ADP
fsr-4224	67	13	the	the	DET
fsr-4224	67	14	behavior	behavior	NOUN
fsr-4224	67	15	in	in	ADP
fsr-4224	67	16	question	question	NOUN
fsr-4224	67	17	.	.	PUNCT
fsr-4224	68	1	in	in	ADP
fsr-4224	68	2	the	the	DET
fsr-4224	68	3	context	context	NOUN
fsr-4224	68	4	of	of	ADP
fsr-4224	68	5	financial	financial	ADJ
fsr-4224	68	6	management	management	NOUN
fsr-4224	68	7	,	,	PUNCT
fsr-4224	68	8	this	this	PRON
fsr-4224	68	9	includes	include	VERB
fsr-4224	68	10	positive	positive	ADJ
fsr-4224	68	11	or	or	CCONJ
fsr-4224	68	12	negative	negative	ADJ
fsr-4224	68	13	evaluations	evaluation	NOUN
fsr-4224	68	14	of	of	ADP
fsr-4224	68	15	saving	saving	NOUN
fsr-4224	68	16	,	,	PUNCT
fsr-4224	68	17	budgeting	budgeting	NOUN
fsr-4224	68	18	,	,	PUNCT
fsr-4224	68	19	and	and	CCONJ
fsr-4224	68	20	investing	investing	NOUN
fsr-4224	68	21	(	(	PUNCT
fsr-4224	68	22	shih	shih	NOUN
fsr-4224	68	23	et	et	PROPN
fsr-4224	68	24	al	al	PROPN
fsr-4224	68	25	.	.	PROPN
fsr-4224	68	26	,	,	PUNCT
fsr-4224	68	27	2022	2022	NUM
fsr-4224	68	28	)	)	PUNCT
fsr-4224	68	29	.	.	PUNCT
fsr-4224	69	1	for	for	ADP
fsr-4224	69	2	instance	instance	NOUN
fsr-4224	69	3	,	,	PUNCT
fsr-4224	69	4	financial	financial	ADJ
fsr-4224	69	5	attitudes	attitude	NOUN
fsr-4224	69	6	often	often	ADV
fsr-4224	69	7	reflect	reflect	VERB
fsr-4224	69	8	beliefs	belief	NOUN
fsr-4224	69	9	about	about	ADP
fsr-4224	69	10	the	the	DET
fsr-4224	69	11	benefits	benefit	NOUN
fsr-4224	69	12	of	of	ADP
fsr-4224	69	13	saving	saving	NOUN
fsr-4224	69	14	or	or	CCONJ
fsr-4224	69	15	the	the	DET
fsr-4224	69	16	risks	risk	NOUN
fsr-4224	69	17	associated	associate	VERB
fsr-4224	69	18	with	with	ADP
fsr-4224	69	19	financial	financial	ADJ
fsr-4224	69	20	planning	planning	NOUN
fsr-4224	69	21	,	,	PUNCT
fsr-4224	69	22	which	which	PRON
fsr-4224	69	23	have	have	AUX
fsr-4224	69	24	been	be	AUX
fsr-4224	69	25	shown	show	VERB
fsr-4224	69	26	to	to	PART
fsr-4224	69	27	influence	influence	VERB
fsr-4224	69	28	savings	saving	NOUN
fsr-4224	69	29	intentions	intention	NOUN
fsr-4224	69	30	(	(	PUNCT
fsr-4224	69	31	magwegwea	magwegwea	NOUN
fsr-4224	69	32	&	&	CCONJ
fsr-4224	69	33	lim	lim	PROPN
fsr-4224	69	34	,	,	PUNCT
fsr-4224	69	35	2020	2020	NUM
fsr-4224	69	36	)	)	PUNCT
fsr-4224	69	37	.	.	PUNCT
fsr-4224	70	1	second	second	ADJ
fsr-4224	70	2	,	,	PUNCT
fsr-4224	70	3	subjective	subjective	ADJ
fsr-4224	70	4	norms	norm	NOUN
fsr-4224	70	5	refer	refer	VERB
fsr-4224	70	6	to	to	ADP
fsr-4224	70	7	the	the	DET
fsr-4224	70	8	perceived	perceive	VERB
fsr-4224	70	9	social	social	ADJ
fsr-4224	70	10	pressure	pressure	NOUN
fsr-4224	70	11	to	to	PART
fsr-4224	70	12	engage	engage	VERB
fsr-4224	70	13	or	or	CCONJ
fsr-4224	70	14	not	not	PART
fsr-4224	70	15	engage	engage	VERB
fsr-4224	70	16	in	in	ADP
fsr-4224	70	17	a	a	DET
fsr-4224	70	18	particular	particular	ADJ
fsr-4224	70	19	behavior	behavior	NOUN
fsr-4224	70	20	(	(	PUNCT
fsr-4224	70	21	ajzen	ajzen	NOUN
fsr-4224	70	22	,	,	PUNCT
fsr-4224	70	23	1991	1991	NUM
fsr-4224	70	24	)	)	PUNCT
fsr-4224	70	25	.	.	PUNCT
fsr-4224	71	1	in	in	ADP
fsr-4224	71	2	personal	personal	ADJ
fsr-4224	71	3	finance	finance	NOUN
fsr-4224	71	4	,	,	PUNCT
fsr-4224	71	5	this	this	PRON
fsr-4224	71	6	includes	include	VERB
fsr-4224	71	7	influences	influence	NOUN
fsr-4224	71	8	from	from	ADP
fsr-4224	71	9	family	family	NOUN
fsr-4224	71	10	,	,	PUNCT
fsr-4224	71	11	peers	peer	NOUN
fsr-4224	71	12	,	,	PUNCT
fsr-4224	71	13	and	and	CCONJ
fsr-4224	71	14	mentors	mentor	NOUN
fsr-4224	71	15	,	,	PUNCT
fsr-4224	71	16	often	often	ADV
fsr-4224	71	17	captured	capture	VERB
fsr-4224	71	18	through	through	ADP
fsr-4224	71	19	concepts	concept	NOUN
fsr-4224	71	20	like	like	ADP
fsr-4224	71	21	financial	financial	ADJ
fsr-4224	71	22	socialization	socialization	NOUN
fsr-4224	71	23	,	,	PUNCT
fsr-4224	71	24	where	where	SCONJ
fsr-4224	71	25	parents	parent	NOUN
fsr-4224	71	26	and	and	CCONJ
fsr-4224	71	27	peers	peer	NOUN
fsr-4224	71	28	shape	shape	VERB
fsr-4224	71	29	attitudes	attitude	NOUN
fsr-4224	71	30	,	,	PUNCT
fsr-4224	71	31	skills	skill	NOUN
fsr-4224	71	32	,	,	PUNCT
fsr-4224	71	33	and	and	CCONJ
fsr-4224	71	34	habits	habit	NOUN
fsr-4224	71	35	related	relate	VERB
fsr-4224	71	36	to	to	ADP
fsr-4224	71	37	money	money	NOUN
fsr-4224	71	38	(	(	PUNCT
fsr-4224	71	39	yeo	yeo	PROPN
fsr-4224	71	40	et	et	PROPN
fsr-4224	71	41	al	al	PROPN
fsr-4224	71	42	.	.	PROPN
fsr-4224	71	43	,	,	PUNCT
fsr-4224	71	44	2024	2024	NUM
fsr-4224	71	45	)	)	PUNCT
fsr-4224	71	46	.	.	PUNCT
fsr-4224	72	1	this	this	PRON
fsr-4224	72	2	aligns	align	VERB
fsr-4224	72	3	well	well	ADV
fsr-4224	72	4	with	with	ADP
fsr-4224	72	5	tpb	tpb	NOUN
fsr-4224	72	6	’s	’s	PART
fsr-4224	72	7	emphasis	emphasis	NOUN
fsr-4224	72	8	on	on	ADP
fsr-4224	72	9	social	social	ADJ
fsr-4224	72	10	influence	influence	NOUN
fsr-4224	72	11	,	,	PUNCT
fsr-4224	72	12	as	as	SCONJ
fsr-4224	72	13	these	these	DET
fsr-4224	72	14	norms	norm	NOUN
fsr-4224	72	15	directly	directly	ADV
fsr-4224	72	16	affect	affect	VERB
fsr-4224	72	17	financial	financial	ADJ
fsr-4224	72	18	intentions	intention	NOUN
fsr-4224	72	19	by	by	ADP
fsr-4224	72	20	reinforcing	reinforce	VERB
fsr-4224	72	21	or	or	CCONJ
fsr-4224	72	22	discouraging	discourage	VERB
fsr-4224	72	23	certain	certain	ADJ
fsr-4224	72	24	financial	financial	ADJ
fsr-4224	72	25	behaviors	behavior	NOUN
fsr-4224	72	26	(	(	PUNCT
fsr-4224	72	27	magwegwea	magwegwea	NOUN
fsr-4224	72	28	&	&	CCONJ
fsr-4224	72	29	lim	lim	PROPN
fsr-4224	72	30	,	,	PUNCT
fsr-4224	72	31	2020	2020	NUM
fsr-4224	72	32	)	)	PUNCT
fsr-4224	72	33	.	.	PUNCT
fsr-4224	73	1	third	third	ADJ
fsr-4224	73	2	,	,	PUNCT
fsr-4224	73	3	perceived	perceive	VERB
fsr-4224	73	4	behavioral	behavioral	ADJ
fsr-4224	73	5	control	control	NOUN
fsr-4224	73	6	encompasses	encompass	VERB
fsr-4224	73	7	both	both	DET
fsr-4224	73	8	internal	internal	ADJ
fsr-4224	73	9	self	self	NOUN
fsr-4224	73	10	-	-	PUNCT
fsr-4224	73	11	efficacy	efficacy	NOUN
fsr-4224	73	12	(	(	PUNCT
fsr-4224	73	13	confidence	confidence	NOUN
fsr-4224	73	14	in	in	ADP
fsr-4224	73	15	one	one	NUM
fsr-4224	73	16	’s	’s	PART
fsr-4224	73	17	ability	ability	NOUN
fsr-4224	73	18	to	to	PART
fsr-4224	73	19	manage	manage	VERB
fsr-4224	73	20	finances	finance	NOUN
fsr-4224	73	21	)	)	PUNCT
fsr-4224	73	22	and	and	CCONJ
fsr-4224	73	23	external	external	ADJ
fsr-4224	73	24	constraints	constraint	NOUN
fsr-4224	73	25	(	(	PUNCT
fsr-4224	73	26	such	such	ADJ
fsr-4224	73	27	as	as	ADP
fsr-4224	73	28	financial	financial	ADJ
fsr-4224	73	29	resources	resource	NOUN
fsr-4224	73	30	and	and	CCONJ
fsr-4224	73	31	access	access	NOUN
fsr-4224	73	32	to	to	ADP
fsr-4224	73	33	information	information	NOUN
fsr-4224	73	34	)	)	PUNCT
fsr-4224	73	35	(	(	PUNCT
fsr-4224	73	36	shih	shih	NOUN
fsr-4224	73	37	et	et	PROPN
fsr-4224	73	38	al	al	PROPN
fsr-4224	73	39	.	.	PROPN
fsr-4224	73	40	,	,	PUNCT
fsr-4224	73	41	2022	2022	NUM
fsr-4224	73	42	)	)	PUNCT
fsr-4224	73	43	.	.	PUNCT
fsr-4224	74	1	this	this	DET
fsr-4224	74	2	component	component	NOUN
fsr-4224	74	3	is	be	AUX
fsr-4224	74	4	critical	critical	ADJ
fsr-4224	74	5	for	for	ADP
fsr-4224	74	6	financial	financial	ADJ
fsr-4224	74	7	decisionmaking	decisionmaking	NOUN
fsr-4224	74	8	,	,	PUNCT
fsr-4224	74	9	as	as	SCONJ
fsr-4224	74	10	a	a	DET
fsr-4224	74	11	person	person	NOUN
fsr-4224	74	12	’s	’s	PART
fsr-4224	74	13	belief	belief	NOUN
fsr-4224	74	14	in	in	ADP
fsr-4224	74	15	their	their	PRON
fsr-4224	74	16	ability	ability	NOUN
fsr-4224	74	17	to	to	PART
fsr-4224	74	18	effectively	effectively	ADV
fsr-4224	74	19	manage	manage	VERB
fsr-4224	74	20	money	money	NOUN
fsr-4224	74	21	directly	directly	ADV
fsr-4224	74	22	impacts	impact	VERB
fsr-4224	74	23	ahamed	ahamed	PROPN
fsr-4224	74	24	et	et	PROPN
fsr-4224	74	25	al	al	PROPN
fsr-4224	74	26	.	.	PROPN
fsr-4224	74	27	167	167	NUM
fsr-4224	74	28	their	their	PRON
fsr-4224	74	29	financial	financial	ADJ
fsr-4224	74	30	behaviors	behavior	NOUN
fsr-4224	74	31	(	(	PUNCT
fsr-4224	74	32	shih	shih	NOUN
fsr-4224	74	33	et	et	PROPN
fsr-4224	74	34	al	al	PROPN
fsr-4224	74	35	.	.	PROPN
fsr-4224	74	36	,	,	PUNCT
fsr-4224	74	37	2022	2022	NUM
fsr-4224	74	38	)	)	PUNCT
fsr-4224	74	39	.	.	PUNCT
fsr-4224	75	1	for	for	ADP
fsr-4224	75	2	example	example	NOUN
fsr-4224	75	3	,	,	PUNCT
fsr-4224	75	4	low	low	ADJ
fsr-4224	75	5	financial	financial	ADJ
fsr-4224	75	6	self	self	NOUN
fsr-4224	75	7	-	-	PUNCT
fsr-4224	75	8	efficacy	efficacy	NOUN
fsr-4224	75	9	or	or	CCONJ
fsr-4224	75	10	limited	limited	ADJ
fsr-4224	75	11	financial	financial	ADJ
fsr-4224	75	12	knowledge	knowledge	NOUN
fsr-4224	75	13	can	can	AUX
fsr-4224	75	14	significantly	significantly	ADV
fsr-4224	75	15	reduce	reduce	VERB
fsr-4224	75	16	one	one	NUM
fsr-4224	75	17	’s	’s	PART
fsr-4224	75	18	perceived	perceive	VERB
fsr-4224	75	19	control	control	NOUN
fsr-4224	75	20	over	over	ADP
fsr-4224	75	21	financial	financial	ADJ
fsr-4224	75	22	decisions	decision	NOUN
fsr-4224	75	23	,	,	PUNCT
fsr-4224	75	24	thereby	thereby	ADV
fsr-4224	75	25	reducing	reduce	VERB
fsr-4224	75	26	the	the	DET
fsr-4224	75	27	likelihood	likelihood	NOUN
fsr-4224	75	28	of	of	ADP
fsr-4224	75	29	engaging	engage	VERB
fsr-4224	75	30	in	in	ADP
fsr-4224	75	31	positive	positive	ADJ
fsr-4224	75	32	financial	financial	ADJ
fsr-4224	75	33	behaviors	behavior	NOUN
fsr-4224	75	34	(	(	PUNCT
fsr-4224	75	35	magwegwea	magwegwea	NOUN
fsr-4224	75	36	&	&	CCONJ
fsr-4224	75	37	lim	lim	PROPN
fsr-4224	75	38	,	,	PUNCT
fsr-4224	75	39	2020	2020	NUM
fsr-4224	75	40	)	)	PUNCT
fsr-4224	75	41	.	.	PUNCT
fsr-4224	76	1	together	together	ADV
fsr-4224	76	2	,	,	PUNCT
fsr-4224	76	3	these	these	DET
fsr-4224	76	4	three	three	NUM
fsr-4224	76	5	components	component	NOUN
fsr-4224	76	6	form	form	VERB
fsr-4224	76	7	a	a	DET
fsr-4224	76	8	coherent	coherent	ADJ
fsr-4224	76	9	causal	causal	NOUN
fsr-4224	76	10	chain	chain	NOUN
fsr-4224	76	11	,	,	PUNCT
fsr-4224	76	12	linking	link	VERB
fsr-4224	76	13	attitudes	attitude	NOUN
fsr-4224	76	14	,	,	PUNCT
fsr-4224	76	15	social	social	ADJ
fsr-4224	76	16	influences	influence	NOUN
fsr-4224	76	17	,	,	PUNCT
fsr-4224	76	18	and	and	CCONJ
fsr-4224	76	19	perceived	perceive	VERB
fsr-4224	76	20	control	control	NOUN
fsr-4224	76	21	to	to	ADP
fsr-4224	76	22	financial	financial	ADJ
fsr-4224	76	23	intentions	intention	NOUN
fsr-4224	76	24	and	and	CCONJ
fsr-4224	76	25	behaviors	behavior	NOUN
fsr-4224	76	26	(	(	PUNCT
fsr-4224	76	27	ajzen	ajzen	ADJ
fsr-4224	76	28	,	,	PUNCT
fsr-4224	76	29	1991	1991	NUM
fsr-4224	76	30	;	;	PUNCT
fsr-4224	76	31	magwegwea	magwegwea	PROPN
fsr-4224	76	32	&	&	CCONJ
fsr-4224	76	33	lim	lim	PROPN
fsr-4224	76	34	,	,	PUNCT
fsr-4224	76	35	2020	2020	NUM
fsr-4224	76	36	)	)	PUNCT
fsr-4224	76	37	.	.	PUNCT
fsr-4224	77	1	this	this	DET
fsr-4224	77	2	structure	structure	NOUN
fsr-4224	77	3	not	not	PART
fsr-4224	77	4	only	only	ADV
fsr-4224	77	5	clarifies	clarify	VERB
fsr-4224	77	6	the	the	DET
fsr-4224	77	7	relationships	relationship	NOUN
fsr-4224	77	8	between	between	ADP
fsr-4224	77	9	diverse	diverse	ADJ
fsr-4224	77	10	financial	financial	ADJ
fsr-4224	77	11	factors	factor	NOUN
fsr-4224	77	12	but	but	CCONJ
fsr-4224	77	13	also	also	ADV
fsr-4224	77	14	makes	make	VERB
fsr-4224	77	15	it	it	PRON
fsr-4224	77	16	easier	easy	ADJ
fsr-4224	77	17	to	to	PART
fsr-4224	77	18	compare	compare	VERB
fsr-4224	77	19	findings	finding	NOUN
fsr-4224	77	20	across	across	ADP
fsr-4224	77	21	studies	study	NOUN
fsr-4224	77	22	.	.	PUNCT
fsr-4224	78	1	unlike	unlike	ADP
fsr-4224	78	2	standalone	standalone	ADJ
fsr-4224	78	3	measures	measure	NOUN
fsr-4224	78	4	of	of	ADP
fsr-4224	78	5	financial	financial	ADJ
fsr-4224	78	6	attitudes	attitude	NOUN
fsr-4224	78	7	or	or	CCONJ
fsr-4224	78	8	self	self	NOUN
fsr-4224	78	9	-	-	PUNCT
fsr-4224	78	10	efficacy	efficacy	NOUN
fsr-4224	78	11	,	,	PUNCT
fsr-4224	78	12	tpb	tpb	NOUN
fsr-4224	78	13	offers	offer	VERB
fsr-4224	78	14	a	a	DET
fsr-4224	78	15	unified	unified	ADJ
fsr-4224	78	16	framework	framework	NOUN
fsr-4224	78	17	that	that	PRON
fsr-4224	78	18	captures	capture	VERB
fsr-4224	78	19	the	the	DET
fsr-4224	78	20	complex	complex	ADJ
fsr-4224	78	21	,	,	PUNCT
fsr-4224	78	22	multi	multi	ADJ
fsr-4224	78	23	-	-	ADJ
fsr-4224	78	24	dimensional	dimensional	ADJ
fsr-4224	78	25	nature	nature	NOUN
fsr-4224	78	26	of	of	ADP
fsr-4224	78	27	financial	financial	ADJ
fsr-4224	78	28	decision	decision	NOUN
fsr-4224	78	29	-	-	PUNCT
fsr-4224	78	30	making	making	NOUN
fsr-4224	78	31	(	(	PUNCT
fsr-4224	78	32	rutherford	rutherford	PROPN
fsr-4224	78	33	&	&	CCONJ
fsr-4224	78	34	devaney	devaney	PROPN
fsr-4224	78	35	,	,	PUNCT
fsr-4224	78	36	2009	2009	NUM
fsr-4224	78	37	;	;	PUNCT
fsr-4224	78	38	yeo	yeo	PROPN
fsr-4224	78	39	et	et	PROPN
fsr-4224	78	40	al	al	PROPN
fsr-4224	78	41	.	.	PROPN
fsr-4224	78	42	,	,	PUNCT
fsr-4224	78	43	2024	2024	NUM
fsr-4224	78	44	)	)	PUNCT
fsr-4224	78	45	.	.	PUNCT
fsr-4224	79	1	overall	overall	ADV
fsr-4224	79	2	,	,	PUNCT
fsr-4224	79	3	tpb	tpb	NOUN
fsr-4224	79	4	provides	provide	VERB
fsr-4224	79	5	a	a	DET
fsr-4224	79	6	comprehensive	comprehensive	ADJ
fsr-4224	79	7	lens	lens	NOUN
fsr-4224	79	8	for	for	ADP
fsr-4224	79	9	understanding	understand	VERB
fsr-4224	79	10	financial	financial	ADJ
fsr-4224	79	11	behavior	behavior	NOUN
fsr-4224	79	12	,	,	PUNCT
fsr-4224	79	13	integrating	integrate	VERB
fsr-4224	79	14	various	various	ADJ
fsr-4224	79	15	psychological	psychological	ADJ
fsr-4224	79	16	and	and	CCONJ
fsr-4224	79	17	social	social	ADJ
fsr-4224	79	18	factors	factor	NOUN
fsr-4224	79	19	into	into	ADP
fsr-4224	79	20	a	a	DET
fsr-4224	79	21	single	single	ADJ
fsr-4224	79	22	,	,	PUNCT
fsr-4224	79	23	cohesive	cohesive	ADJ
fsr-4224	79	24	model	model	NOUN
fsr-4224	79	25	.	.	PUNCT
fsr-4224	80	1	this	this	DET
fsr-4224	80	2	integration	integration	NOUN
fsr-4224	80	3	enhances	enhance	VERB
fsr-4224	80	4	clarity	clarity	NOUN
fsr-4224	80	5	,	,	PUNCT
fsr-4224	80	6	supports	support	VERB
fsr-4224	80	7	systematic	systematic	ADJ
fsr-4224	80	8	analysis	analysis	NOUN
fsr-4224	80	9	,	,	PUNCT
fsr-4224	80	10	and	and	CCONJ
fsr-4224	80	11	facilitates	facilitate	VERB
fsr-4224	80	12	meaningful	meaningful	ADJ
fsr-4224	80	13	comparisons	comparison	NOUN
fsr-4224	80	14	across	across	ADP
fsr-4224	80	15	different	different	ADJ
fsr-4224	80	16	financial	financial	ADJ
fsr-4224	80	17	contexts	contexts	NOUN
fsr-4224	80	18	,	,	PUNCT
fsr-4224	80	19	without	without	ADP
fsr-4224	80	20	dismissing	dismiss	VERB
fsr-4224	80	21	earlier	early	ADJ
fsr-4224	80	22	research	research	NOUN
fsr-4224	80	23	(	(	PUNCT
fsr-4224	80	24	magwegwea	magwegwea	NOUN
fsr-4224	80	25	&	&	CCONJ
fsr-4224	80	26	lim	lim	PROPN
fsr-4224	80	27	,	,	PUNCT
fsr-4224	80	28	2020	2020	NUM
fsr-4224	80	29	;	;	PUNCT
fsr-4224	80	30	rutherford	rutherford	PROPN
fsr-4224	80	31	&	&	CCONJ
fsr-4224	80	32	devaney	devaney	PROPN
fsr-4224	80	33	,	,	PUNCT
fsr-4224	80	34	2009	2009	NUM
fsr-4224	80	35	;	;	PUNCT
fsr-4224	80	36	yeo	yeo	PROPN
fsr-4224	80	37	et	et	PROPN
fsr-4224	80	38	al	al	PROPN
fsr-4224	80	39	.	.	PROPN
fsr-4224	80	40	,	,	PUNCT
fsr-4224	80	41	2024	2024	NUM
fsr-4224	80	42	)	)	PUNCT
fsr-4224	80	43	.	.	PUNCT
fsr-4224	81	1	financial	financial	ADJ
fsr-4224	81	2	management	management	NOUN
fsr-4224	81	3	behavior	behavior	NOUN
fsr-4224	81	4	(	(	PUNCT
fsr-4224	81	5	fmb	fmb	NOUN
fsr-4224	81	6	)	)	PUNCT
fsr-4224	81	7	financial	financial	ADJ
fsr-4224	81	8	behavior	behavior	NOUN
fsr-4224	81	9	encompasses	encompass	VERB
fsr-4224	81	10	a	a	DET
fsr-4224	81	11	wide	wide	ADJ
fsr-4224	81	12	range	range	NOUN
fsr-4224	81	13	of	of	ADP
fsr-4224	81	14	activities	activity	NOUN
fsr-4224	81	15	such	such	ADJ
fsr-4224	81	16	as	as	ADP
fsr-4224	81	17	saving	saving	NOUN
fsr-4224	81	18	,	,	PUNCT
fsr-4224	81	19	budgeting	budgeting	NOUN
fsr-4224	81	20	,	,	PUNCT
fsr-4224	81	21	investing	investing	NOUN
fsr-4224	81	22	,	,	PUNCT
fsr-4224	81	23	and	and	CCONJ
fsr-4224	81	24	spending	spending	NOUN
fsr-4224	81	25	(	(	PUNCT
fsr-4224	81	26	morris	morris	PROPN
fsr-4224	81	27	et	et	PROPN
fsr-4224	81	28	al	al	PROPN
fsr-4224	81	29	.	.	PROPN
fsr-4224	81	30	,	,	PUNCT
fsr-4224	81	31	2023	2023	NUM
fsr-4224	81	32	;	;	PUNCT
fsr-4224	81	33	rai	rai	PROPN
fsr-4224	81	34	et	et	PROPN
fsr-4224	81	35	al	al	PROPN
fsr-4224	81	36	.	.	PROPN
fsr-4224	81	37	,	,	PUNCT
fsr-4224	81	38	2019	2019	NUM
fsr-4224	81	39	;	;	PUNCT
fsr-4224	81	40	xiao	xiao	PROPN
fsr-4224	81	41	&	&	CCONJ
fsr-4224	81	42	wu	wu	PROPN
fsr-4224	81	43	,	,	PUNCT
fsr-4224	81	44	2008	2008	NUM
fsr-4224	81	45	)	)	PUNCT
fsr-4224	81	46	.	.	PUNCT
fsr-4224	82	1	essentially	essentially	ADV
fsr-4224	82	2	,	,	PUNCT
fsr-4224	82	3	it	it	PRON
fsr-4224	82	4	involves	involve	VERB
fsr-4224	82	5	the	the	DET
fsr-4224	82	6	techniques	technique	NOUN
fsr-4224	82	7	individuals	individual	NOUN
fsr-4224	82	8	use	use	VERB
fsr-4224	82	9	to	to	PART
fsr-4224	82	10	handle	handle	VERB
fsr-4224	82	11	their	their	PRON
fsr-4224	82	12	income	income	NOUN
fsr-4224	82	13	and	and	CCONJ
fsr-4224	82	14	financial	financial	ADJ
fsr-4224	82	15	situations	situation	NOUN
fsr-4224	82	16	(	(	PUNCT
fsr-4224	82	17	saurabh	saurabh	PROPN
fsr-4224	82	18	&	&	CCONJ
fsr-4224	82	19	nandan	nandan	PROPN
fsr-4224	82	20	,	,	PUNCT
fsr-4224	82	21	2018	2018	NUM
fsr-4224	82	22	)	)	PUNCT
fsr-4224	82	23	.	.	PUNCT
fsr-4224	83	1	positive	positive	ADJ
fsr-4224	83	2	financial	financial	ADJ
fsr-4224	83	3	behavior	behavior	NOUN
fsr-4224	83	4	is	be	AUX
fsr-4224	83	5	defined	define	VERB
fsr-4224	83	6	as	as	ADP
fsr-4224	83	7	actions	action	NOUN
fsr-4224	83	8	that	that	PRON
fsr-4224	83	9	promote	promote	VERB
fsr-4224	83	10	financial	financial	ADJ
fsr-4224	83	11	well	well	NOUN
fsr-4224	83	12	-	-	PUNCT
fsr-4224	83	13	being	being	NOUN
fsr-4224	83	14	and	and	CCONJ
fsr-4224	83	15	stability	stability	NOUN
fsr-4224	83	16	,	,	PUNCT
fsr-4224	83	17	such	such	ADJ
fsr-4224	83	18	as	as	ADP
fsr-4224	83	19	budgeting	budget	VERB
fsr-4224	83	20	for	for	ADP
fsr-4224	83	21	expenses	expense	NOUN
fsr-4224	83	22	,	,	PUNCT
fsr-4224	83	23	saving	save	VERB
fsr-4224	83	24	for	for	ADP
fsr-4224	83	25	both	both	CCONJ
fsr-4224	83	26	short	short	ADJ
fsr-4224	83	27	and	and	CCONJ
fsr-4224	83	28	long	long	ADJ
fsr-4224	83	29	terms	term	NOUN
fsr-4224	83	30	,	,	PUNCT
fsr-4224	83	31	and	and	CCONJ
fsr-4224	83	32	preparing	prepare	VERB
fsr-4224	83	33	for	for	ADP
fsr-4224	83	34	emergencies	emergency	NOUN
fsr-4224	83	35	(	(	PUNCT
fsr-4224	83	36	saurabh	saurabh	PROPN
fsr-4224	83	37	&	&	CCONJ
fsr-4224	83	38	nandan	nandan	PROPN
fsr-4224	83	39	,	,	PUNCT
fsr-4224	83	40	2018	2018	NUM
fsr-4224	83	41	)	)	PUNCT
fsr-4224	83	42	.	.	PUNCT
fsr-4224	84	1	in	in	ADP
fsr-4224	84	2	contrast	contrast	NOUN
fsr-4224	84	3	,	,	PUNCT
fsr-4224	84	4	engaging	engage	VERB
fsr-4224	84	5	in	in	ADP
fsr-4224	84	6	negative	negative	ADJ
fsr-4224	84	7	financial	financial	ADJ
fsr-4224	84	8	behaviors	behavior	NOUN
fsr-4224	84	9	,	,	PUNCT
fsr-4224	84	10	such	such	ADJ
fsr-4224	84	11	as	as	ADP
fsr-4224	84	12	excessive	excessive	ADJ
fsr-4224	84	13	reliance	reliance	NOUN
fsr-4224	84	14	on	on	ADP
fsr-4224	84	15	credit	credit	NOUN
fsr-4224	84	16	and	and	CCONJ
fsr-4224	84	17	loans	loan	NOUN
fsr-4224	84	18	,	,	PUNCT
fsr-4224	84	19	can	can	AUX
fsr-4224	84	20	undermine	undermine	VERB
fsr-4224	84	21	financial	financial	ADJ
fsr-4224	84	22	well	well	NOUN
fsr-4224	84	23	-	-	PUNCT
fsr-4224	84	24	being	be	AUX
fsr-4224	84	25	(	(	PUNCT
fsr-4224	84	26	rai	rai	X
fsr-4224	84	27	et	et	PROPN
fsr-4224	84	28	al	al	PROPN
fsr-4224	84	29	.	.	PROPN
fsr-4224	84	30	,	,	PUNCT
fsr-4224	84	31	2019	2019	NUM
fsr-4224	84	32	)	)	PUNCT
fsr-4224	84	33	.	.	PUNCT
fsr-4224	85	1	research	research	NOUN
fsr-4224	85	2	indicates	indicate	VERB
fsr-4224	85	3	that	that	SCONJ
fsr-4224	85	4	financial	financial	ADJ
fsr-4224	85	5	behavior	behavior	NOUN
fsr-4224	85	6	is	be	AUX
fsr-4224	85	7	a	a	DET
fsr-4224	85	8	significant	significant	ADJ
fsr-4224	85	9	determinant	determinant	NOUN
fsr-4224	85	10	of	of	ADP
fsr-4224	85	11	financial	financial	ADJ
fsr-4224	85	12	satisfaction	satisfaction	NOUN
fsr-4224	85	13	(	(	PUNCT
fsr-4224	85	14	joo	joo	PROPN
fsr-4224	85	15	&	&	CCONJ
fsr-4224	85	16	grable	grable	PROPN
fsr-4224	85	17	,	,	PUNCT
fsr-4224	85	18	2004	2004	NUM
fsr-4224	85	19	;	;	PUNCT
fsr-4224	85	20	xiao	xiao	PROPN
fsr-4224	85	21	&	&	CCONJ
fsr-4224	85	22	porto	porto	PROPN
fsr-4224	85	23	,	,	PUNCT
fsr-4224	85	24	2017	2017	NUM
fsr-4224	85	25	)	)	PUNCT
fsr-4224	85	26	.	.	PUNCT
fsr-4224	86	1	understanding	understand	VERB
fsr-4224	86	2	the	the	DET
fsr-4224	86	3	factors	factor	NOUN
fsr-4224	86	4	associated	associate	VERB
fsr-4224	86	5	with	with	ADP
fsr-4224	86	6	financial	financial	ADJ
fsr-4224	86	7	behavior	behavior	NOUN
fsr-4224	86	8	is	be	AUX
fsr-4224	86	9	important	important	ADJ
fsr-4224	86	10	for	for	ADP
fsr-4224	86	11	informing	inform	VERB
fsr-4224	86	12	the	the	DET
fsr-4224	86	13	design	design	NOUN
fsr-4224	86	14	of	of	ADP
fsr-4224	86	15	interventions	intervention	NOUN
fsr-4224	86	16	and	and	CCONJ
fsr-4224	86	17	educational	educational	ADJ
fsr-4224	86	18	programs	program	NOUN
fsr-4224	86	19	aimed	aim	VERB
fsr-4224	86	20	at	at	ADP
fsr-4224	86	21	supporting	support	VERB
fsr-4224	86	22	better	well	ADJ
fsr-4224	86	23	financial	financial	ADJ
fsr-4224	86	24	outcomes	outcome	NOUN
fsr-4224	86	25	.	.	PUNCT
fsr-4224	87	1	the	the	DET
fsr-4224	87	2	tpb	tpb	NOUN
fsr-4224	87	3	(	(	PUNCT
fsr-4224	87	4	ajzen	ajzen	NOUN
fsr-4224	87	5	,	,	PUNCT
fsr-4224	87	6	1991	1991	NUM
fsr-4224	87	7	)	)	PUNCT
fsr-4224	87	8	provides	provide	VERB
fsr-4224	87	9	a	a	DET
fsr-4224	87	10	robust	robust	ADJ
fsr-4224	87	11	framework	framework	NOUN
fsr-4224	87	12	for	for	ADP
fsr-4224	87	13	examining	examine	VERB
fsr-4224	87	14	the	the	DET
fsr-4224	87	15	factors	factor	NOUN
fsr-4224	87	16	associated	associate	VERB
fsr-4224	87	17	with	with	ADP
fsr-4224	87	18	financial	financial	ADJ
fsr-4224	87	19	behavior	behavior	NOUN
fsr-4224	87	20	.	.	PUNCT
fsr-4224	88	1	according	accord	VERB
fsr-4224	88	2	to	to	ADP
fsr-4224	88	3	tpb	tpb	NOUN
fsr-4224	88	4	,	,	PUNCT
fsr-4224	88	5	three	three	NUM
fsr-4224	88	6	primary	primary	ADJ
fsr-4224	88	7	components	component	NOUN
fsr-4224	88	8	—	—	PUNCT
fsr-4224	88	9	attitude	attitude	NOUN
fsr-4224	88	10	,	,	PUNCT
fsr-4224	88	11	subjective	subjective	ADJ
fsr-4224	88	12	norms	norm	NOUN
fsr-4224	88	13	,	,	PUNCT
fsr-4224	88	14	and	and	CCONJ
fsr-4224	88	15	perceived	perceive	VERB
fsr-4224	88	16	behavioral	behavioral	ADJ
fsr-4224	88	17	control	control	NOUN
fsr-4224	88	18	—	—	PUNCT
fsr-4224	88	19	predict	predict	VERB
fsr-4224	88	20	behavioral	behavioral	ADJ
fsr-4224	88	21	intentions	intention	NOUN
fsr-4224	88	22	and	and	CCONJ
fsr-4224	88	23	actual	actual	ADJ
fsr-4224	88	24	behavior	behavior	NOUN
fsr-4224	88	25	.	.	PUNCT
fsr-4224	89	1	past	past	ADJ
fsr-4224	89	2	research	research	NOUN
fsr-4224	89	3	also	also	ADV
fsr-4224	89	4	highlights	highlight	VERB
fsr-4224	89	5	that	that	SCONJ
fsr-4224	89	6	financial	financial	ADJ
fsr-4224	89	7	behaviors	behavior	NOUN
fsr-4224	89	8	and	and	CCONJ
fsr-4224	89	9	decisions	decision	NOUN
fsr-4224	89	10	are	be	AUX
fsr-4224	89	11	influenced	influence	VERB
fsr-4224	89	12	by	by	ADP
fsr-4224	89	13	external	external	ADJ
fsr-4224	89	14	factors	factor	NOUN
fsr-4224	89	15	(	(	PUNCT
fsr-4224	89	16	such	such	ADJ
fsr-4224	89	17	as	as	ADP
fsr-4224	89	18	culture	culture	NOUN
fsr-4224	89	19	,	,	PUNCT
fsr-4224	89	20	social	social	ADJ
fsr-4224	89	21	class	class	NOUN
fsr-4224	89	22	,	,	PUNCT
fsr-4224	89	23	and	and	CCONJ
fsr-4224	89	24	social	social	ADJ
fsr-4224	89	25	groups	group	NOUN
fsr-4224	89	26	)	)	PUNCT
fsr-4224	89	27	and	and	CCONJ
fsr-4224	89	28	internal	internal	ADJ
fsr-4224	89	29	factors	factor	NOUN
fsr-4224	89	30	(	(	PUNCT
fsr-4224	89	31	like	like	ADP
fsr-4224	89	32	self	self	NOUN
fsr-4224	89	33	-	-	PUNCT
fsr-4224	89	34	esteem	esteem	NOUN
fsr-4224	89	35	)	)	PUNCT
fsr-4224	89	36	,	,	PUNCT
fsr-4224	89	37	which	which	PRON
fsr-4224	89	38	relate	relate	VERB
fsr-4224	89	39	to	to	ADP
fsr-4224	89	40	an	an	DET
fsr-4224	89	41	individual	individual	NOUN
fsr-4224	89	42	's	's	PART
fsr-4224	89	43	self	self	NOUN
fsr-4224	89	44	-	-	PUNCT
fsr-4224	89	45	motivation	motivation	NOUN
fsr-4224	89	46	,	,	PUNCT
fsr-4224	89	47	learning	learning	NOUN
fsr-4224	89	48	,	,	PUNCT
fsr-4224	89	49	and	and	CCONJ
fsr-4224	89	50	personality	personality	NOUN
fsr-4224	89	51	(	(	PUNCT
fsr-4224	89	52	morris	morris	PROPN
fsr-4224	89	53	et	et	PROPN
fsr-4224	89	54	al	al	PROPN
fsr-4224	89	55	.	.	PROPN
fsr-4224	89	56	,	,	PUNCT
fsr-4224	89	57	2023	2023	NUM
fsr-4224	89	58	)	)	PUNCT
fsr-4224	89	59	.	.	PUNCT
fsr-4224	90	1	for	for	ADP
fsr-4224	90	2	example	example	NOUN
fsr-4224	90	3	,	,	PUNCT
fsr-4224	90	4	goyal	goyal	PROPN
fsr-4224	90	5	et	et	PROPN
fsr-4224	90	6	al	al	PROPN
fsr-4224	90	7	.	.	PROPN
fsr-4224	90	8	(	(	PUNCT
fsr-4224	90	9	2023	2023	NUM
fsr-4224	90	10	)	)	PUNCT
fsr-4224	90	11	identified	identify	VERB
fsr-4224	90	12	financial	financial	ADJ
fsr-4224	90	13	socialization	socialization	NOUN
fsr-4224	90	14	,	,	PUNCT
fsr-4224	90	15	psychological	psychological	ADJ
fsr-4224	90	16	traits	trait	NOUN
fsr-4224	90	17	,	,	PUNCT
fsr-4224	90	18	and	and	CCONJ
fsr-4224	90	19	financial	financial	ADJ
fsr-4224	90	20	literacy	literacy	NOUN
fsr-4224	90	21	as	as	ADP
fsr-4224	90	22	key	key	ADJ
fsr-4224	90	23	factors	factor	NOUN
fsr-4224	90	24	linked	link	VERB
fsr-4224	90	25	with	with	ADP
fsr-4224	90	26	personal	personal	ADJ
fsr-4224	90	27	financial	financial	ADJ
fsr-4224	90	28	management	management	NOUN
fsr-4224	90	29	behavior	behavior	NOUN
fsr-4224	90	30	among	among	ADP
fsr-4224	90	31	young	young	ADJ
fsr-4224	90	32	indians	indians	PROPN
fsr-4224	90	33	.	.	PUNCT
fsr-4224	91	1	this	this	DET
fsr-4224	91	2	study	study	NOUN
fsr-4224	91	3	seeks	seek	VERB
fsr-4224	91	4	to	to	PART
fsr-4224	91	5	explore	explore	VERB
fsr-4224	91	6	the	the	DET
fsr-4224	91	7	factors	factor	NOUN
fsr-4224	91	8	associated	associate	VERB
fsr-4224	91	9	with	with	ADP
fsr-4224	91	10	financial	financial	ADJ
fsr-4224	91	11	behavior	behavior	NOUN
fsr-4224	91	12	among	among	ADP
fsr-4224	91	13	polish	polish	ADJ
fsr-4224	91	14	young	young	ADJ
fsr-4224	91	15	adults	adult	NOUN
fsr-4224	91	16	using	use	VERB
fsr-4224	91	17	the	the	DET
fsr-4224	91	18	tpb	tpb	NOUN
fsr-4224	91	19	framework	framework	NOUN
fsr-4224	91	20	.	.	PUNCT
fsr-4224	92	1	by	by	ADP
fsr-4224	92	2	examining	examine	VERB
fsr-4224	92	3	the	the	DET
fsr-4224	92	4	effects	effect	NOUN
fsr-4224	92	5	of	of	ADP
fsr-4224	92	6	financial	financial	ADJ
fsr-4224	92	7	self	self	NOUN
fsr-4224	92	8	-	-	PUNCT
fsr-4224	92	9	efficacy	efficacy	NOUN
fsr-4224	92	10	,	,	PUNCT
fsr-4224	92	11	financial	financial	ADJ
fsr-4224	92	12	attitude	attitude	NOUN
fsr-4224	92	13	,	,	PUNCT
fsr-4224	92	14	family	family	NOUN
fsr-4224	92	15	financial	financial	ADJ
fsr-4224	92	16	socialization	socialization	NOUN
fsr-4224	92	17	,	,	PUNCT
fsr-4224	92	18	peer	peer	NOUN
fsr-4224	92	19	influence	influence	NOUN
fsr-4224	92	20	,	,	PUNCT
fsr-4224	92	21	and	and	CCONJ
fsr-4224	92	22	subjective	subjective	ADJ
fsr-4224	92	23	financial	financial	ADJ
fsr-4224	92	24	knowledge	knowledge	NOUN
fsr-4224	92	25	,	,	PUNCT
fsr-4224	92	26	this	this	DET
fsr-4224	92	27	study	study	NOUN
fsr-4224	92	28	seeks	seek	VERB
fsr-4224	92	29	to	to	PART
fsr-4224	92	30	provide	provide	VERB
fsr-4224	92	31	a	a	DET
fsr-4224	92	32	comprehensive	comprehensive	ADJ
fsr-4224	92	33	understanding	understanding	NOUN
fsr-4224	92	34	of	of	ADP
fsr-4224	92	35	the	the	DET
fsr-4224	92	36	factors	factor	NOUN
fsr-4224	92	37	that	that	PRON
fsr-4224	92	38	promote	promote	VERB
fsr-4224	92	39	positive	positive	ADJ
fsr-4224	92	40	financial	financial	ADJ
fsr-4224	92	41	behavior	behavior	NOUN
fsr-4224	92	42	.	.	PUNCT
fsr-4224	93	1	financial	financial	ADJ
fsr-4224	93	2	attitude	attitude	NOUN
fsr-4224	93	3	and	and	CCONJ
fsr-4224	93	4	fmb	fmb	NOUN
fsr-4224	93	5	within	within	ADP
fsr-4224	93	6	the	the	DET
fsr-4224	93	7	tpb	tpb	NOUN
fsr-4224	93	8	,	,	PUNCT
fsr-4224	93	9	attitudes	attitude	NOUN
fsr-4224	93	10	are	be	AUX
fsr-4224	93	11	central	central	ADJ
fsr-4224	93	12	predictors	predictor	NOUN
fsr-4224	93	13	of	of	ADP
fsr-4224	93	14	behavioral	behavioral	ADJ
fsr-4224	93	15	intentions	intention	NOUN
fsr-4224	93	16	,	,	PUNCT
fsr-4224	93	17	influencing	influence	VERB
fsr-4224	93	18	the	the	DET
fsr-4224	93	19	likelihood	likelihood	NOUN
fsr-4224	93	20	of	of	ADP
fsr-4224	93	21	performing	perform	VERB
fsr-4224	93	22	specific	specific	ADJ
fsr-4224	93	23	actions	action	NOUN
fsr-4224	93	24	(	(	PUNCT
fsr-4224	93	25	ajzen	ajzen	NOUN
fsr-4224	93	26	,	,	PUNCT
fsr-4224	93	27	1991	1991	NUM
fsr-4224	93	28	)	)	PUNCT
fsr-4224	93	29	.	.	PUNCT
fsr-4224	94	1	financial	financial	ADJ
fsr-4224	94	2	attitude	attitude	NOUN
fsr-4224	94	3	refers	refer	VERB
fsr-4224	94	4	to	to	ADP
fsr-4224	94	5	an	an	DET
fsr-4224	94	6	individual	individual	NOUN
fsr-4224	94	7	's	's	PART
fsr-4224	94	8	positive	positive	ADJ
fsr-4224	94	9	or	or	CCONJ
fsr-4224	94	10	negative	negative	ADJ
fsr-4224	94	11	evaluation	evaluation	NOUN
fsr-4224	94	12	of	of	ADP
fsr-4224	94	13	financial	financial	ADJ
fsr-4224	94	14	practices	practice	NOUN
fsr-4224	94	15	such	such	ADJ
fsr-4224	94	16	as	as	ADP
fsr-4224	94	17	saving	saving	NOUN
fsr-4224	94	18	,	,	PUNCT
fsr-4224	94	19	budgeting	budgeting	NOUN
fsr-4224	94	20	,	,	PUNCT
fsr-4224	94	21	investing	investing	NOUN
fsr-4224	94	22	,	,	PUNCT
fsr-4224	94	23	and	and	CCONJ
fsr-4224	94	24	spending	spending	NOUN
fsr-4224	94	25	(	(	PUNCT
fsr-4224	94	26	castro	castro	PROPN
fsr-4224	94	27	-	-	PUNCT
fsr-4224	94	28	gonzález	gonzález	PROPN
fsr-4224	94	29	et	et	PROPN
fsr-4224	94	30	al	al	PROPN
fsr-4224	94	31	.	.	PROPN
fsr-4224	94	32	,	,	PUNCT
fsr-4224	94	33	2020	2020	NUM
fsr-4224	94	34	)	)	PUNCT
fsr-4224	94	35	.	.	PUNCT
fsr-4224	95	1	positive	positive	ADJ
fsr-4224	95	2	financial	financial	ADJ
fsr-4224	95	3	attitudes	attitude	NOUN
fsr-4224	95	4	,	,	PUNCT
fsr-4224	95	5	reflecting	reflect	VERB
fsr-4224	95	6	favorable	favorable	ADJ
fsr-4224	95	7	evaluations	evaluation	NOUN
fsr-4224	95	8	of	of	ADP
fsr-4224	95	9	prudent	prudent	ADJ
fsr-4224	95	10	financial	financial	ADJ
fsr-4224	95	11	management	management	NOUN
fsr-4224	95	12	,	,	PUNCT
fsr-4224	95	13	increase	increase	VERB
fsr-4224	95	14	the	the	DET
fsr-4224	95	15	likelihood	likelihood	NOUN
fsr-4224	95	16	of	of	ADP
fsr-4224	95	17	engaging	engage	VERB
fsr-4224	95	18	in	in	ADP
fsr-4224	95	19	responsible	responsible	ADJ
fsr-4224	95	20	behaviors	behavior	NOUN
fsr-4224	95	21	.	.	PUNCT
fsr-4224	96	1	previous	previous	ADJ
fsr-4224	96	2	studies	study	NOUN
fsr-4224	96	3	underscore	underscore	VERB
fsr-4224	96	4	the	the	DET
fsr-4224	96	5	critical	critical	ADJ
fsr-4224	96	6	role	role	NOUN
fsr-4224	96	7	of	of	ADP
fsr-4224	96	8	financial	financial	ADJ
fsr-4224	96	9	attitude	attitude	NOUN
fsr-4224	96	10	in	in	ADP
fsr-4224	96	11	predicting	predict	VERB
fsr-4224	96	12	financial	financial	ADJ
fsr-4224	96	13	behavior	behavior	NOUN
fsr-4224	96	14	(	(	PUNCT
fsr-4224	96	15	rai	rai	X
fsr-4224	96	16	et	et	PROPN
fsr-4224	96	17	al	al	PROPN
fsr-4224	96	18	.	.	PROPN
fsr-4224	96	19	,	,	PUNCT
fsr-4224	96	20	2019	2019	NUM
fsr-4224	96	21	)	)	PUNCT
fsr-4224	96	22	.	.	PUNCT
fsr-4224	97	1	for	for	ADP
fsr-4224	97	2	instance	instance	NOUN
fsr-4224	97	3	,	,	PUNCT
fsr-4224	97	4	perry	perry	PROPN
fsr-4224	97	5	and	and	CCONJ
fsr-4224	97	6	morris	morris	PROPN
fsr-4224	97	7	(	(	PUNCT
fsr-4224	97	8	2005	2005	NUM
fsr-4224	97	9	)	)	PUNCT
fsr-4224	97	10	found	find	VERB
fsr-4224	97	11	that	that	SCONJ
fsr-4224	97	12	individuals	individual	NOUN
fsr-4224	97	13	with	with	ADP
fsr-4224	97	14	positive	positive	ADJ
fsr-4224	97	15	financial	financial	ADJ
fsr-4224	97	16	attitudes	attitude	NOUN
fsr-4224	97	17	are	be	AUX
fsr-4224	97	18	more	more	ADV
fsr-4224	97	19	likely	likely	ADJ
fsr-4224	97	20	to	to	PART
fsr-4224	97	21	save	save	VERB
fsr-4224	97	22	regularly	regularly	ADV
fsr-4224	97	23	and	and	CCONJ
fsr-4224	97	24	budget	budget	VERB
fsr-4224	97	25	carefully	carefully	ADV
fsr-4224	97	26	.	.	PUNCT
fsr-4224	98	1	similarly	similarly	ADV
fsr-4224	98	2	,	,	PUNCT
fsr-4224	98	3	parrotta	parrotta	ADJ
fsr-4224	98	4	and	and	CCONJ
fsr-4224	98	5	johnson	johnson	PROPN
fsr-4224	98	6	(	(	PUNCT
fsr-4224	98	7	1998	1998	NUM
fsr-4224	98	8	)	)	PUNCT
fsr-4224	98	9	observed	observe	VERB
fsr-4224	98	10	that	that	SCONJ
fsr-4224	98	11	young	young	ADJ
fsr-4224	98	12	adults	adult	NOUN
fsr-4224	98	13	with	with	ADP
fsr-4224	98	14	positive	positive	ADJ
fsr-4224	98	15	financial	financial	ADJ
fsr-4224	98	16	attitudes	attitude	NOUN
fsr-4224	98	17	demonstrated	demonstrate	VERB
fsr-4224	98	18	better	well	ADJ
fsr-4224	98	19	financial	financial	ADJ
fsr-4224	98	20	management	management	NOUN
fsr-4224	98	21	practices	practice	NOUN
fsr-4224	98	22	,	,	PUNCT
fsr-4224	98	23	highlighting	highlight	VERB
fsr-4224	98	24	the	the	DET
fsr-4224	98	25	direct	direct	ADJ
fsr-4224	98	26	impact	impact	NOUN
fsr-4224	98	27	of	of	ADP
fsr-4224	98	28	attitudes	attitude	NOUN
fsr-4224	98	29	on	on	ADP
fsr-4224	98	30	behavior	behavior	NOUN
fsr-4224	98	31	.	.	PUNCT
fsr-4224	99	1	those	those	PRON
fsr-4224	99	2	with	with	ADP
fsr-4224	99	3	positive	positive	ADJ
fsr-4224	99	4	financial	financial	ADJ
fsr-4224	99	5	attitudes	attitude	NOUN
fsr-4224	99	6	are	be	AUX
fsr-4224	99	7	more	more	ADV
fsr-4224	99	8	likely	likely	ADJ
fsr-4224	99	9	to	to	PART
fsr-4224	99	10	prioritize	prioritize	VERB
fsr-4224	99	11	long	long	ADJ
fsr-4224	99	12	-	-	PUNCT
fsr-4224	99	13	term	term	NOUN
fsr-4224	99	14	financial	financial	ADJ
fsr-4224	99	15	goals	goal	NOUN
fsr-4224	99	16	and	and	CCONJ
fsr-4224	99	17	recognize	recognize	VERB
fsr-4224	99	18	the	the	DET
fsr-4224	99	19	benefits	benefit	NOUN
fsr-4224	99	20	of	of	ADP
fsr-4224	99	21	responsible	responsible	ADJ
fsr-4224	99	22	financial	financial	ADJ
fsr-4224	99	23	practices	practice	NOUN
fsr-4224	99	24	,	,	PUNCT
fsr-4224	99	25	such	such	ADJ
fsr-4224	99	26	as	as	ADP
fsr-4224	99	27	saving	saving	NOUN
fsr-4224	99	28	and	and	CCONJ
fsr-4224	99	29	budgeting	budgeting	NOUN
fsr-4224	99	30	.	.	PUNCT
fsr-4224	100	1	additionally	additionally	ADV
fsr-4224	100	2	,	,	PUNCT
fsr-4224	100	3	these	these	DET
fsr-4224	100	4	attitudes	attitude	NOUN
fsr-4224	100	5	contribute	contribute	VERB
fsr-4224	100	6	to	to	ADP
fsr-4224	100	7	emotional	emotional	ADJ
fsr-4224	100	8	regulation	regulation	NOUN
fsr-4224	100	9	,	,	PUNCT
fsr-4224	100	10	financial	financial	ADJ
fsr-4224	100	11	services	service	NOUN
fsr-4224	100	12	review	review	NOUN
fsr-4224	100	13	,	,	PUNCT
fsr-4224	100	14	33(4	33(4	NUM
fsr-4224	100	15	)	)	PUNCT
fsr-4224	100	16	168	168	NUM
fsr-4224	100	17	reducing	reduce	VERB
fsr-4224	100	18	financial	financial	ADJ
fsr-4224	100	19	stress	stress	NOUN
fsr-4224	100	20	and	and	CCONJ
fsr-4224	100	21	fostering	foster	VERB
fsr-4224	100	22	rational	rational	ADJ
fsr-4224	100	23	decision	decision	NOUN
fsr-4224	100	24	-	-	PUNCT
fsr-4224	100	25	making	making	NOUN
fsr-4224	100	26	.	.	PUNCT
fsr-4224	101	1	in	in	ADP
fsr-4224	101	2	light	light	NOUN
fsr-4224	101	3	of	of	ADP
fsr-4224	101	4	these	these	DET
fsr-4224	101	5	insights	insight	NOUN
fsr-4224	101	6	,	,	PUNCT
fsr-4224	101	7	we	we	PRON
fsr-4224	101	8	propose	propose	VERB
fsr-4224	101	9	the	the	DET
fsr-4224	101	10	following	follow	VERB
fsr-4224	101	11	hypothesis	hypothesis	NOUN
fsr-4224	101	12	:	:	PUNCT
fsr-4224	101	13	h1	h1	NOUN
fsr-4224	101	14	:	:	PUNCT
fsr-4224	101	15	financial	financial	ADJ
fsr-4224	101	16	attitude	attitude	NOUN
fsr-4224	101	17	has	have	VERB
fsr-4224	101	18	a	a	DET
fsr-4224	101	19	positive	positive	ADJ
fsr-4224	101	20	and	and	CCONJ
fsr-4224	101	21	significant	significant	ADJ
fsr-4224	101	22	effect	effect	NOUN
fsr-4224	101	23	on	on	ADP
fsr-4224	101	24	fmb	fmb	PROPN
fsr-4224	101	25	.	.	PUNCT
fsr-4224	101	26	social	social	ADJ
fsr-4224	101	27	norm	norm	NOUN
fsr-4224	101	28	and	and	CCONJ
fsr-4224	101	29	fmb	fmb	PROPN
fsr-4224	101	30	norms	norm	NOUN
fsr-4224	101	31	represent	represent	VERB
fsr-4224	101	32	the	the	DET
fsr-4224	101	33	social	social	ADJ
fsr-4224	101	34	pressure	pressure	NOUN
fsr-4224	101	35	individuals	individual	NOUN
fsr-4224	101	36	experience	experience	VERB
fsr-4224	101	37	to	to	PART
fsr-4224	101	38	perform	perform	VERB
fsr-4224	101	39	specific	specific	ADJ
fsr-4224	101	40	behaviors	behavior	NOUN
fsr-4224	101	41	based	base	VERB
fsr-4224	101	42	on	on	ADP
fsr-4224	101	43	the	the	DET
fsr-4224	101	44	beliefs	belief	NOUN
fsr-4224	101	45	and	and	CCONJ
fsr-4224	101	46	expectations	expectation	NOUN
fsr-4224	101	47	of	of	ADP
fsr-4224	101	48	significant	significant	ADJ
fsr-4224	101	49	others	other	NOUN
fsr-4224	101	50	(	(	PUNCT
fsr-4224	101	51	ajzen	ajzen	ADJ
fsr-4224	101	52	,	,	PUNCT
fsr-4224	101	53	1991	1991	NUM
fsr-4224	101	54	)	)	PUNCT
fsr-4224	101	55	.	.	PUNCT
fsr-4224	102	1	social	social	ADJ
fsr-4224	102	2	circles	circle	NOUN
fsr-4224	102	3	,	,	PUNCT
fsr-4224	102	4	including	include	VERB
fsr-4224	102	5	family	family	NOUN
fsr-4224	102	6	,	,	PUNCT
fsr-4224	102	7	friends	friend	NOUN
fsr-4224	102	8	,	,	PUNCT
fsr-4224	102	9	colleagues	colleague	NOUN
fsr-4224	102	10	,	,	PUNCT
fsr-4224	102	11	and	and	CCONJ
fsr-4224	102	12	acquaintances	acquaintance	NOUN
fsr-4224	102	13	,	,	PUNCT
fsr-4224	102	14	exert	exert	VERB
fsr-4224	102	15	considerable	considerable	ADJ
fsr-4224	102	16	influence	influence	NOUN
fsr-4224	102	17	on	on	ADP
fsr-4224	102	18	an	an	DET
fsr-4224	102	19	individual	individual	NOUN
fsr-4224	102	20	's	's	PART
fsr-4224	102	21	financial	financial	ADJ
fsr-4224	102	22	decisions	decision	NOUN
fsr-4224	102	23	,	,	PUNCT
fsr-4224	102	24	often	often	ADV
fsr-4224	102	25	subconsciously	subconsciously	ADV
fsr-4224	102	26	(	(	PUNCT
fsr-4224	102	27	georgiou	georgiou	PROPN
fsr-4224	102	28	et	et	PROPN
fsr-4224	102	29	al	al	PROPN
fsr-4224	102	30	.	.	PROPN
fsr-4224	102	31	,	,	PUNCT
fsr-4224	102	32	2023	2023	NUM
fsr-4224	102	33	)	)	PUNCT
fsr-4224	102	34	.	.	PUNCT
fsr-4224	103	1	social	social	ADJ
fsr-4224	103	2	norms	norm	NOUN
fsr-4224	103	3	refer	refer	VERB
fsr-4224	103	4	to	to	ADP
fsr-4224	103	5	the	the	DET
fsr-4224	103	6	collective	collective	ADJ
fsr-4224	103	7	expectations	expectation	NOUN
fsr-4224	103	8	and	and	CCONJ
fsr-4224	103	9	rules	rule	NOUN
fsr-4224	103	10	within	within	ADP
fsr-4224	103	11	a	a	DET
fsr-4224	103	12	group	group	NOUN
fsr-4224	103	13	regarding	regard	VERB
fsr-4224	103	14	appropriate	appropriate	ADJ
fsr-4224	103	15	behavior	behavior	NOUN
fsr-4224	103	16	(	(	PUNCT
fsr-4224	103	17	bicchieri	bicchieri	PROPN
fsr-4224	103	18	et	et	PROPN
fsr-4224	103	19	al	al	PROPN
fsr-4224	103	20	.	.	PROPN
fsr-4224	103	21	,	,	PUNCT
fsr-4224	103	22	2018	2018	NUM
fsr-4224	103	23	)	)	PUNCT
fsr-4224	103	24	.	.	PUNCT
fsr-4224	104	1	these	these	DET
fsr-4224	104	2	norms	norm	NOUN
fsr-4224	104	3	are	be	AUX
fsr-4224	104	4	frequently	frequently	ADV
fsr-4224	104	5	conveyed	convey	VERB
fsr-4224	104	6	through	through	ADP
fsr-4224	104	7	social	social	ADJ
fsr-4224	104	8	support	support	NOUN
fsr-4224	104	9	networks	network	NOUN
fsr-4224	104	10	that	that	PRON
fsr-4224	104	11	offer	offer	VERB
fsr-4224	104	12	guidance	guidance	NOUN
fsr-4224	104	13	,	,	PUNCT
fsr-4224	104	14	advice	advice	NOUN
fsr-4224	104	15	,	,	PUNCT
fsr-4224	104	16	and	and	CCONJ
fsr-4224	104	17	encouragement	encouragement	NOUN
fsr-4224	104	18	in	in	ADP
fsr-4224	104	19	fostering	foster	VERB
fsr-4224	104	20	sound	sound	ADJ
fsr-4224	104	21	financial	financial	ADJ
fsr-4224	104	22	practices	practice	NOUN
fsr-4224	104	23	.	.	PUNCT
fsr-4224	105	1	a	a	DET
fsr-4224	105	2	supportive	supportive	ADJ
fsr-4224	105	3	network	network	NOUN
fsr-4224	105	4	can	can	AUX
fsr-4224	105	5	facilitate	facilitate	VERB
fsr-4224	105	6	adherence	adherence	NOUN
fsr-4224	105	7	to	to	ADP
fsr-4224	105	8	financial	financial	ADJ
fsr-4224	105	9	goals	goal	NOUN
fsr-4224	105	10	and	and	CCONJ
fsr-4224	105	11	help	help	VERB
fsr-4224	105	12	when	when	SCONJ
fsr-4224	105	13	challenges	challenge	NOUN
fsr-4224	105	14	arise	arise	VERB
fsr-4224	105	15	.	.	PUNCT
fsr-4224	106	1	social	social	ADJ
fsr-4224	106	2	norms	norm	NOUN
fsr-4224	106	3	can	can	AUX
fsr-4224	106	4	be	be	AUX
fsr-4224	106	5	categorized	categorize	VERB
fsr-4224	106	6	into	into	ADP
fsr-4224	106	7	two	two	NUM
fsr-4224	106	8	key	key	ADJ
fsr-4224	106	9	subdimensions	subdimension	NOUN
fsr-4224	106	10	.	.	PUNCT
fsr-4224	107	1	first	first	ADV
fsr-4224	107	2	,	,	PUNCT
fsr-4224	107	3	descriptive	descriptive	ADJ
fsr-4224	107	4	norms	norm	NOUN
fsr-4224	107	5	refer	refer	VERB
fsr-4224	107	6	to	to	ADP
fsr-4224	107	7	perceptions	perception	NOUN
fsr-4224	107	8	of	of	ADP
fsr-4224	107	9	what	what	PRON
fsr-4224	107	10	most	most	ADJ
fsr-4224	107	11	individuals	individual	NOUN
fsr-4224	107	12	do	do	AUX
fsr-4224	107	13	in	in	ADP
fsr-4224	107	14	a	a	DET
fsr-4224	107	15	particular	particular	ADJ
fsr-4224	107	16	context	context	NOUN
fsr-4224	107	17	(	(	PUNCT
fsr-4224	107	18	salmivaara	salmivaara	VERB
fsr-4224	107	19	et	et	PROPN
fsr-4224	107	20	al	al	PROPN
fsr-4224	107	21	.	.	PROPN
fsr-4224	107	22	,	,	PUNCT
fsr-4224	107	23	2021	2021	NUM
fsr-4224	107	24	)	)	PUNCT
fsr-4224	107	25	.	.	PUNCT
fsr-4224	108	1	when	when	SCONJ
fsr-4224	108	2	individuals	individual	NOUN
fsr-4224	108	3	perceive	perceive	VERB
fsr-4224	108	4	that	that	SCONJ
fsr-4224	108	5	their	their	PRON
fsr-4224	108	6	peers	peer	NOUN
fsr-4224	108	7	are	be	AUX
fsr-4224	108	8	engaging	engage	VERB
fsr-4224	108	9	in	in	ADP
fsr-4224	108	10	positive	positive	ADJ
fsr-4224	108	11	financial	financial	ADJ
fsr-4224	108	12	behaviors	behavior	NOUN
fsr-4224	108	13	,	,	PUNCT
fsr-4224	108	14	such	such	ADJ
fsr-4224	108	15	as	as	ADP
fsr-4224	108	16	saving	saving	NOUN
fsr-4224	108	17	,	,	PUNCT
fsr-4224	108	18	budgeting	budgeting	NOUN
fsr-4224	108	19	,	,	PUNCT
fsr-4224	108	20	or	or	CCONJ
fsr-4224	108	21	investing	investing	NOUN
fsr-4224	108	22	,	,	PUNCT
fsr-4224	108	23	they	they	PRON
fsr-4224	108	24	are	be	AUX
fsr-4224	108	25	more	more	ADV
fsr-4224	108	26	likely	likely	ADJ
fsr-4224	108	27	to	to	PART
fsr-4224	108	28	adopt	adopt	VERB
fsr-4224	108	29	these	these	DET
fsr-4224	108	30	behaviors	behavior	NOUN
fsr-4224	108	31	themselves	themselves	PRON
fsr-4224	108	32	.	.	PUNCT
fsr-4224	109	1	observing	observe	VERB
fsr-4224	109	2	others	other	NOUN
fsr-4224	109	3	'	'	PART
fsr-4224	109	4	successful	successful	ADJ
fsr-4224	109	5	financial	financial	ADJ
fsr-4224	109	6	management	management	NOUN
fsr-4224	109	7	creates	create	VERB
fsr-4224	109	8	expectations	expectation	NOUN
fsr-4224	109	9	and	and	CCONJ
fsr-4224	109	10	motivates	motivate	VERB
fsr-4224	109	11	similar	similar	ADJ
fsr-4224	109	12	actions	action	NOUN
fsr-4224	109	13	.	.	PUNCT
fsr-4224	110	1	second	second	ADJ
fsr-4224	110	2	,	,	PUNCT
fsr-4224	110	3	injunctive	injunctive	ADJ
fsr-4224	110	4	norms	norm	NOUN
fsr-4224	110	5	reflect	reflect	VERB
fsr-4224	110	6	perceptions	perception	NOUN
fsr-4224	110	7	of	of	ADP
fsr-4224	110	8	which	which	DET
fsr-4224	110	9	behaviors	behavior	NOUN
fsr-4224	110	10	are	be	AUX
fsr-4224	110	11	socially	socially	ADV
fsr-4224	110	12	approved	approve	VERB
fsr-4224	110	13	or	or	CCONJ
fsr-4224	110	14	disapproved	disapprove	VERB
fsr-4224	110	15	(	(	PUNCT
fsr-4224	110	16	salmivaara	salmivaara	PROPN
fsr-4224	110	17	et	et	PROPN
fsr-4224	110	18	al	al	PROPN
fsr-4224	110	19	.	.	PROPN
fsr-4224	110	20	,	,	PUNCT
fsr-4224	110	21	2021	2021	NUM
fsr-4224	110	22	)	)	PUNCT
fsr-4224	110	23	.	.	PUNCT
fsr-4224	111	1	when	when	SCONJ
fsr-4224	111	2	responsible	responsible	ADJ
fsr-4224	111	3	financial	financial	ADJ
fsr-4224	111	4	behaviors	behavior	NOUN
fsr-4224	111	5	are	be	AUX
fsr-4224	111	6	seen	see	VERB
fsr-4224	111	7	as	as	SCONJ
fsr-4224	111	8	valued	value	VERB
fsr-4224	111	9	and	and	CCONJ
fsr-4224	111	10	endorsed	endorse	VERB
fsr-4224	111	11	by	by	ADP
fsr-4224	111	12	significant	significant	ADJ
fsr-4224	111	13	others	other	NOUN
fsr-4224	111	14	—	—	PUNCT
fsr-4224	111	15	such	such	ADJ
fsr-4224	111	16	as	as	ADP
fsr-4224	111	17	family	family	NOUN
fsr-4224	111	18	,	,	PUNCT
fsr-4224	111	19	friends	friend	NOUN
fsr-4224	111	20	,	,	PUNCT
fsr-4224	111	21	or	or	CCONJ
fsr-4224	111	22	the	the	DET
fsr-4224	111	23	broader	broad	ADJ
fsr-4224	111	24	community	community	NOUN
fsr-4224	111	25	—	—	PUNCT
fsr-4224	111	26	individuals	individual	NOUN
fsr-4224	111	27	may	may	AUX
fsr-4224	111	28	experience	experience	VERB
fsr-4224	111	29	social	social	ADJ
fsr-4224	111	30	pressure	pressure	NOUN
fsr-4224	111	31	to	to	PART
fsr-4224	111	32	conform	conform	VERB
fsr-4224	111	33	.	.	PUNCT
fsr-4224	112	1	positive	positive	ADJ
fsr-4224	112	2	reinforcement	reinforcement	NOUN
fsr-4224	112	3	from	from	ADP
fsr-4224	112	4	important	important	ADJ
fsr-4224	112	5	others	other	NOUN
fsr-4224	112	6	can	can	AUX
fsr-4224	112	7	further	far	ADV
fsr-4224	112	8	motivate	motivate	VERB
fsr-4224	112	9	the	the	DET
fsr-4224	112	10	continuation	continuation	NOUN
fsr-4224	112	11	of	of	ADP
fsr-4224	112	12	good	good	ADJ
fsr-4224	112	13	financial	financial	ADJ
fsr-4224	112	14	habits	habit	NOUN
fsr-4224	112	15	.	.	PUNCT
fsr-4224	113	1	in	in	ADP
fsr-4224	113	2	this	this	DET
fsr-4224	113	3	study	study	NOUN
fsr-4224	113	4	,	,	PUNCT
fsr-4224	113	5	social	social	ADJ
fsr-4224	113	6	norms	norm	NOUN
fsr-4224	113	7	are	be	AUX
fsr-4224	113	8	divided	divide	VERB
fsr-4224	113	9	into	into	ADP
fsr-4224	113	10	two	two	NUM
fsr-4224	113	11	categories	category	NOUN
fsr-4224	113	12	:	:	PUNCT
fsr-4224	113	13	family	family	NOUN
fsr-4224	113	14	financial	financial	ADJ
fsr-4224	113	15	socialization	socialization	NOUN
fsr-4224	113	16	and	and	CCONJ
fsr-4224	113	17	peer	peer	NOUN
fsr-4224	113	18	influence	influence	NOUN
fsr-4224	113	19	.	.	PUNCT
fsr-4224	114	1	family	family	NOUN
fsr-4224	114	2	financial	financial	ADJ
fsr-4224	114	3	socialization	socialization	NOUN
fsr-4224	114	4	and	and	CCONJ
fsr-4224	114	5	fmb	fmb	PROPN
fsr-4224	114	6	family	family	NOUN
fsr-4224	114	7	financial	financial	ADJ
fsr-4224	114	8	socialization	socialization	NOUN
fsr-4224	114	9	is	be	AUX
fsr-4224	114	10	the	the	DET
fsr-4224	114	11	process	process	NOUN
fsr-4224	114	12	through	through	ADP
fsr-4224	114	13	which	which	PRON
fsr-4224	114	14	individuals	individual	NOUN
fsr-4224	114	15	acquire	acquire	VERB
fsr-4224	114	16	financial	financial	ADJ
fsr-4224	114	17	knowledge	knowledge	NOUN
fsr-4224	114	18	,	,	PUNCT
fsr-4224	114	19	skills	skill	NOUN
fsr-4224	114	20	,	,	PUNCT
fsr-4224	114	21	attitudes	attitude	NOUN
fsr-4224	114	22	,	,	PUNCT
fsr-4224	114	23	and	and	CCONJ
fsr-4224	114	24	behaviors	behavior	NOUN
fsr-4224	114	25	from	from	ADP
fsr-4224	114	26	family	family	NOUN
fsr-4224	114	27	interactions	interaction	NOUN
fsr-4224	114	28	(	(	PUNCT
fsr-4224	114	29	goyal	goyal	PROPN
fsr-4224	114	30	et	et	PROPN
fsr-4224	114	31	al	al	PROPN
fsr-4224	114	32	.	.	PROPN
fsr-4224	114	33	,	,	PUNCT
fsr-4224	114	34	2023	2023	NUM
fsr-4224	114	35	)	)	PUNCT
fsr-4224	114	36	.	.	PUNCT
fsr-4224	115	1	this	this	PRON
fsr-4224	115	2	involves	involve	VERB
fsr-4224	115	3	direct	direct	ADJ
fsr-4224	115	4	instruction	instruction	NOUN
fsr-4224	115	5	,	,	PUNCT
fsr-4224	115	6	observational	observational	ADJ
fsr-4224	115	7	learning	learning	NOUN
fsr-4224	115	8	,	,	PUNCT
fsr-4224	115	9	and	and	CCONJ
fsr-4224	115	10	discussions	discussion	NOUN
fsr-4224	115	11	about	about	ADP
fsr-4224	115	12	financial	financial	ADJ
fsr-4224	115	13	matters	matter	NOUN
fsr-4224	115	14	within	within	ADP
fsr-4224	115	15	the	the	DET
fsr-4224	115	16	family	family	NOUN
fsr-4224	115	17	(	(	PUNCT
fsr-4224	115	18	legenzova	legenzova	X
fsr-4224	115	19	&	&	CCONJ
fsr-4224	115	20	leckė	leckė	ADJ
fsr-4224	115	21	,	,	PUNCT
fsr-4224	115	22	2024	2024	NUM
fsr-4224	115	23	)	)	PUNCT
fsr-4224	115	24	.	.	PUNCT
fsr-4224	116	1	early	early	ADJ
fsr-4224	116	2	exposure	exposure	NOUN
fsr-4224	116	3	to	to	ADP
fsr-4224	116	4	financial	financial	ADJ
fsr-4224	116	5	practices	practice	NOUN
fsr-4224	116	6	,	,	PUNCT
fsr-4224	116	7	particularly	particularly	ADV
fsr-4224	116	8	through	through	ADP
fsr-4224	116	9	parents	parent	NOUN
fsr-4224	116	10	as	as	ADP
fsr-4224	116	11	role	role	NOUN
fsr-4224	116	12	models	model	NOUN
fsr-4224	116	13	,	,	PUNCT
fsr-4224	116	14	can	can	AUX
fsr-4224	116	15	have	have	VERB
fsr-4224	116	16	a	a	DET
fsr-4224	116	17	lasting	last	VERB
fsr-4224	116	18	influence	influence	NOUN
fsr-4224	116	19	on	on	ADP
fsr-4224	116	20	financial	financial	ADJ
fsr-4224	116	21	behaviors	behavior	NOUN
fsr-4224	116	22	.	.	PUNCT
fsr-4224	117	1	children	child	NOUN
fsr-4224	117	2	often	often	ADV
fsr-4224	117	3	emulate	emulate	VERB
fsr-4224	117	4	their	their	PRON
fsr-4224	117	5	parents	parent	NOUN
fsr-4224	117	6	'	'	PART
fsr-4224	117	7	practices	practice	NOUN
fsr-4224	117	8	,	,	PUNCT
fsr-4224	117	9	such	such	ADJ
fsr-4224	117	10	as	as	ADP
fsr-4224	117	11	saving	saving	NOUN
fsr-4224	117	12	,	,	PUNCT
fsr-4224	117	13	budgeting	budgeting	NOUN
fsr-4224	117	14	,	,	PUNCT
fsr-4224	117	15	and	and	CCONJ
fsr-4224	117	16	prudent	prudent	ADJ
fsr-4224	117	17	decision	decision	NOUN
fsr-4224	117	18	-	-	PUNCT
fsr-4224	117	19	making	making	NOUN
fsr-4224	117	20	.	.	PUNCT
fsr-4224	118	1	in	in	ADP
fsr-4224	118	2	addition	addition	NOUN
fsr-4224	118	3	to	to	ADP
fsr-4224	118	4	modeling	modeling	NOUN
fsr-4224	118	5	,	,	PUNCT
fsr-4224	118	6	families	family	NOUN
fsr-4224	118	7	communicate	communicate	VERB
fsr-4224	118	8	explicitly	explicitly	ADV
fsr-4224	118	9	about	about	ADP
fsr-4224	118	10	financial	financial	ADJ
fsr-4224	118	11	matters	matter	NOUN
fsr-4224	118	12	,	,	PUNCT
fsr-4224	118	13	providing	provide	VERB
fsr-4224	118	14	guidance	guidance	NOUN
fsr-4224	118	15	on	on	ADP
fsr-4224	118	16	financial	financial	ADJ
fsr-4224	118	17	planning	planning	NOUN
fsr-4224	118	18	,	,	PUNCT
fsr-4224	118	19	budgeting	budgeting	NOUN
fsr-4224	118	20	,	,	PUNCT
fsr-4224	118	21	and	and	CCONJ
fsr-4224	118	22	saving	saving	NOUN
fsr-4224	118	23	.	.	PUNCT
fsr-4224	119	1	this	this	DET
fsr-4224	119	2	socialization	socialization	NOUN
fsr-4224	119	3	shapes	shape	VERB
fsr-4224	119	4	financial	financial	ADJ
fsr-4224	119	5	attitudes	attitude	NOUN
fsr-4224	119	6	and	and	CCONJ
fsr-4224	119	7	beliefs	belief	NOUN
fsr-4224	119	8	aligned	align	VERB
fsr-4224	119	9	with	with	ADP
fsr-4224	119	10	family	family	NOUN
fsr-4224	119	11	values	value	NOUN
fsr-4224	119	12	,	,	PUNCT
fsr-4224	119	13	promoting	promote	VERB
fsr-4224	119	14	responsible	responsible	ADJ
fsr-4224	119	15	financial	financial	ADJ
fsr-4224	119	16	behavior	behavior	NOUN
fsr-4224	119	17	,	,	PUNCT
fsr-4224	119	18	such	such	ADJ
fsr-4224	119	19	as	as	ADP
fsr-4224	119	20	prioritizing	prioritize	VERB
fsr-4224	119	21	saving	save	VERB
fsr-4224	119	22	and	and	CCONJ
fsr-4224	119	23	avoiding	avoid	VERB
fsr-4224	119	24	debt	debt	NOUN
fsr-4224	119	25	.	.	PUNCT
fsr-4224	120	1	research	research	NOUN
fsr-4224	120	2	consistently	consistently	ADV
fsr-4224	120	3	supports	support	VERB
fsr-4224	120	4	the	the	DET
fsr-4224	120	5	positive	positive	ADJ
fsr-4224	120	6	impact	impact	NOUN
fsr-4224	120	7	of	of	ADP
fsr-4224	120	8	family	family	NOUN
fsr-4224	120	9	financial	financial	ADJ
fsr-4224	120	10	socialization	socialization	NOUN
fsr-4224	120	11	on	on	ADP
fsr-4224	120	12	financial	financial	ADJ
fsr-4224	120	13	behavior	behavior	NOUN
fsr-4224	120	14	.	.	PUNCT
fsr-4224	121	1	for	for	ADP
fsr-4224	121	2	example	example	NOUN
fsr-4224	121	3	,	,	PUNCT
fsr-4224	121	4	shim	shim	NOUN
fsr-4224	121	5	et	et	PROPN
fsr-4224	121	6	al	al	PROPN
fsr-4224	121	7	.	.	PROPN
fsr-4224	122	1	(	(	PUNCT
fsr-4224	122	2	2010	2010	NUM
fsr-4224	122	3	)	)	PUNCT
fsr-4224	122	4	found	find	VERB
fsr-4224	122	5	that	that	SCONJ
fsr-4224	122	6	when	when	SCONJ
fsr-4224	122	7	parents	parent	NOUN
fsr-4224	122	8	actively	actively	ADV
fsr-4224	122	9	discuss	discuss	VERB
fsr-4224	122	10	financial	financial	ADJ
fsr-4224	122	11	matters	matter	NOUN
fsr-4224	122	12	and	and	CCONJ
fsr-4224	122	13	model	model	VERB
fsr-4224	122	14	responsible	responsible	ADJ
fsr-4224	122	15	financial	financial	ADJ
fsr-4224	122	16	practices	practice	NOUN
fsr-4224	122	17	,	,	PUNCT
fsr-4224	122	18	young	young	ADJ
fsr-4224	122	19	adults	adult	NOUN
fsr-4224	122	20	exhibit	exhibit	VERB
fsr-4224	122	21	improved	improve	VERB
fsr-4224	122	22	financial	financial	ADJ
fsr-4224	122	23	behaviors	behavior	NOUN
fsr-4224	122	24	.	.	PUNCT
fsr-4224	123	1	similarly	similarly	ADV
fsr-4224	123	2	,	,	PUNCT
fsr-4224	123	3	jorgensen	jorgensen	PROPN
fsr-4224	123	4	and	and	CCONJ
fsr-4224	123	5	savla	savla	NOUN
fsr-4224	123	6	(	(	PUNCT
fsr-4224	123	7	2010	2010	NUM
fsr-4224	123	8	)	)	PUNCT
fsr-4224	123	9	identified	identify	VERB
fsr-4224	123	10	parental	parental	ADJ
fsr-4224	123	11	influence	influence	NOUN
fsr-4224	123	12	as	as	ADP
fsr-4224	123	13	a	a	DET
fsr-4224	123	14	significant	significant	ADJ
fsr-4224	123	15	determinant	determinant	NOUN
fsr-4224	123	16	of	of	ADP
fsr-4224	123	17	financial	financial	ADJ
fsr-4224	123	18	attitudes	attitude	NOUN
fsr-4224	123	19	and	and	CCONJ
fsr-4224	123	20	behaviors	behavior	NOUN
fsr-4224	123	21	among	among	ADP
fsr-4224	123	22	college	college	NOUN
fsr-4224	123	23	students	student	NOUN
fsr-4224	123	24	.	.	PUNCT
fsr-4224	124	1	gudmunson	gudmunson	PROPN
fsr-4224	124	2	and	and	CCONJ
fsr-4224	124	3	danes	danes	PROPN
fsr-4224	124	4	(	(	PUNCT
fsr-4224	124	5	2011	2011	NUM
fsr-4224	124	6	)	)	PUNCT
fsr-4224	124	7	further	far	ADV
fsr-4224	124	8	highlighted	highlight	VERB
fsr-4224	124	9	that	that	SCONJ
fsr-4224	124	10	effective	effective	ADJ
fsr-4224	124	11	family	family	NOUN
fsr-4224	124	12	financial	financial	ADJ
fsr-4224	124	13	socialization	socialization	NOUN
fsr-4224	124	14	enhances	enhance	VERB
fsr-4224	124	15	financial	financial	ADJ
fsr-4224	124	16	self	self	NOUN
fsr-4224	124	17	-	-	PUNCT
fsr-4224	124	18	efficacy	efficacy	NOUN
fsr-4224	124	19	and	and	CCONJ
fsr-4224	124	20	confidence	confidence	NOUN
fsr-4224	124	21	,	,	PUNCT
fsr-4224	124	22	both	both	PRON
fsr-4224	124	23	of	of	ADP
fsr-4224	124	24	which	which	PRON
fsr-4224	124	25	are	be	AUX
fsr-4224	124	26	crucial	crucial	ADJ
fsr-4224	124	27	predictors	predictor	NOUN
fsr-4224	124	28	of	of	ADP
fsr-4224	124	29	responsible	responsible	ADJ
fsr-4224	124	30	financial	financial	ADJ
fsr-4224	124	31	behavior	behavior	NOUN
fsr-4224	124	32	.	.	PUNCT
fsr-4224	125	1	in	in	ADP
fsr-4224	125	2	the	the	DET
fsr-4224	125	3	context	context	NOUN
fsr-4224	125	4	of	of	ADP
fsr-4224	125	5	eastern	eastern	PROPN
fsr-4224	125	6	europe	europe	PROPN
fsr-4224	125	7	,	,	PUNCT
fsr-4224	125	8	it	it	PRON
fsr-4224	125	9	is	be	AUX
fsr-4224	125	10	suggested	suggest	VERB
fsr-4224	125	11	that	that	SCONJ
fsr-4224	125	12	families	family	NOUN
fsr-4224	125	13	play	play	VERB
fsr-4224	125	14	an	an	DET
fsr-4224	125	15	especially	especially	ADV
fsr-4224	125	16	strong	strong	ADJ
fsr-4224	125	17	role	role	NOUN
fsr-4224	125	18	in	in	ADP
fsr-4224	125	19	shaping	shape	VERB
fsr-4224	125	20	the	the	DET
fsr-4224	125	21	financial	financial	ADJ
fsr-4224	125	22	attitudes	attitude	NOUN
fsr-4224	125	23	and	and	CCONJ
fsr-4224	125	24	behaviors	behavior	NOUN
fsr-4224	125	25	of	of	ADP
fsr-4224	125	26	their	their	PRON
fsr-4224	125	27	children	child	NOUN
fsr-4224	125	28	.	.	PUNCT
fsr-4224	126	1	based	base	VERB
fsr-4224	126	2	on	on	ADP
fsr-4224	126	3	these	these	DET
fsr-4224	126	4	findings	finding	NOUN
fsr-4224	126	5	,	,	PUNCT
fsr-4224	126	6	we	we	PRON
fsr-4224	126	7	propose	propose	VERB
fsr-4224	126	8	the	the	DET
fsr-4224	126	9	following	follow	VERB
fsr-4224	126	10	hypothesis	hypothesis	NOUN
fsr-4224	126	11	:	:	PUNCT
fsr-4224	126	12	family	family	NOUN
fsr-4224	126	13	financial	financial	ADJ
fsr-4224	126	14	socialization	socialization	NOUN
fsr-4224	126	15	has	have	VERB
fsr-4224	126	16	a	a	DET
fsr-4224	126	17	positive	positive	ADJ
fsr-4224	126	18	and	and	CCONJ
fsr-4224	126	19	significant	significant	ADJ
fsr-4224	126	20	effect	effect	NOUN
fsr-4224	126	21	on	on	ADP
fsr-4224	126	22	financial	financial	ADJ
fsr-4224	126	23	behavior	behavior	NOUN
fsr-4224	126	24	.	.	PUNCT
fsr-4224	127	1	this	this	DET
fsr-4224	127	2	relationship	relationship	NOUN
fsr-4224	127	3	is	be	AUX
fsr-4224	127	4	reinforced	reinforce	VERB
fsr-4224	127	5	through	through	ADP
fsr-4224	127	6	mechanisms	mechanism	NOUN
fsr-4224	127	7	such	such	ADJ
fsr-4224	127	8	as	as	ADP
fsr-4224	127	9	modeling	modeling	NOUN
fsr-4224	127	10	,	,	PUNCT
fsr-4224	127	11	communication	communication	NOUN
fsr-4224	127	12	,	,	PUNCT
fsr-4224	127	13	reinforcement	reinforcement	NOUN
fsr-4224	127	14	of	of	ADP
fsr-4224	127	15	social	social	ADJ
fsr-4224	127	16	norms	norm	NOUN
fsr-4224	127	17	,	,	PUNCT
fsr-4224	127	18	and	and	CCONJ
fsr-4224	127	19	the	the	DET
fsr-4224	127	20	transmission	transmission	NOUN
fsr-4224	127	21	of	of	ADP
fsr-4224	127	22	financial	financial	ADJ
fsr-4224	127	23	knowledge	knowledge	NOUN
fsr-4224	127	24	and	and	CCONJ
fsr-4224	127	25	skills	skill	NOUN
fsr-4224	127	26	.	.	PUNCT
fsr-4224	128	1	h2	h2	NOUN
fsr-4224	128	2	:	:	PUNCT
fsr-4224	128	3	family	family	NOUN
fsr-4224	128	4	financial	financial	ADJ
fsr-4224	128	5	socialization	socialization	NOUN
fsr-4224	128	6	has	have	VERB
fsr-4224	128	7	a	a	DET
fsr-4224	128	8	positive	positive	ADJ
fsr-4224	128	9	and	and	CCONJ
fsr-4224	128	10	significant	significant	ADJ
fsr-4224	128	11	effect	effect	NOUN
fsr-4224	128	12	on	on	ADP
fsr-4224	128	13	fmb	fmb	PROPN
fsr-4224	128	14	peer	peer	NOUN
fsr-4224	128	15	influence	influence	NOUN
fsr-4224	128	16	and	and	CCONJ
fsr-4224	128	17	fmb	fmb	PROPN
fsr-4224	128	18	peer	peer	NOUN
fsr-4224	128	19	influence	influence	NOUN
fsr-4224	128	20	significantly	significantly	ADV
fsr-4224	128	21	impacts	impact	VERB
fsr-4224	128	22	the	the	DET
fsr-4224	128	23	attitudes	attitude	NOUN
fsr-4224	128	24	,	,	PUNCT
fsr-4224	128	25	beliefs	belief	NOUN
fsr-4224	128	26	,	,	PUNCT
fsr-4224	128	27	and	and	CCONJ
fsr-4224	128	28	behaviors	behavior	NOUN
fsr-4224	128	29	of	of	ADP
fsr-4224	128	30	individuals	individual	NOUN
fsr-4224	128	31	within	within	ADP
fsr-4224	128	32	the	the	DET
fsr-4224	128	33	same	same	ADJ
fsr-4224	128	34	social	social	ADJ
fsr-4224	128	35	or	or	CCONJ
fsr-4224	128	36	age	age	NOUN
fsr-4224	128	37	group	group	NOUN
fsr-4224	128	38	,	,	PUNCT
fsr-4224	128	39	particularly	particularly	ADV
fsr-4224	128	40	during	during	ADP
fsr-4224	128	41	young	young	ADJ
fsr-4224	128	42	adulthood	adulthood	NOUN
fsr-4224	128	43	when	when	SCONJ
fsr-4224	128	44	financial	financial	ADJ
fsr-4224	128	45	independence	independence	NOUN
fsr-4224	128	46	is	be	AUX
fsr-4224	128	47	being	be	AUX
fsr-4224	128	48	established	establish	VERB
fsr-4224	128	49	.	.	PUNCT
fsr-4224	129	1	peers	peer	NOUN
fsr-4224	129	2	,	,	PUNCT
fsr-4224	129	3	including	include	VERB
fsr-4224	129	4	friends	friend	NOUN
fsr-4224	129	5	and	and	CCONJ
fsr-4224	129	6	colleagues	colleague	NOUN
fsr-4224	129	7	,	,	PUNCT
fsr-4224	129	8	shape	shape	VERB
fsr-4224	129	9	financial	financial	ADJ
fsr-4224	129	10	behaviors	behavior	NOUN
fsr-4224	129	11	such	such	ADJ
fsr-4224	129	12	as	as	ADP
fsr-4224	129	13	saving	saving	NOUN
fsr-4224	129	14	,	,	PUNCT
fsr-4224	129	15	spending	spending	NOUN
fsr-4224	129	16	,	,	PUNCT
fsr-4224	129	17	and	and	CCONJ
fsr-4224	129	18	investing	investing	NOUN
fsr-4224	129	19	(	(	PUNCT
fsr-4224	129	20	godase	godase	NOUN
fsr-4224	129	21	et	et	PROPN
fsr-4224	129	22	al	al	PROPN
fsr-4224	129	23	.	.	PROPN
fsr-4224	129	24	,	,	PUNCT
fsr-4224	129	25	2023	2023	NUM
fsr-4224	129	26	)	)	PUNCT
fsr-4224	129	27	through	through	ADP
fsr-4224	129	28	social	social	ADJ
fsr-4224	129	29	learning	learning	NOUN
fsr-4224	129	30	and	and	CCONJ
fsr-4224	129	31	norm	norm	NOUN
fsr-4224	129	32	-	-	PUNCT
fsr-4224	129	33	setting	setting	NOUN
fsr-4224	129	34	.	.	PUNCT
fsr-4224	130	1	observing	observe	VERB
fsr-4224	130	2	ahamed	ahamed	PROPN
fsr-4224	130	3	et	et	PROPN
fsr-4224	130	4	al	al	PROPN
fsr-4224	130	5	.	.	PROPN
fsr-4224	130	6	169	169	NUM
fsr-4224	130	7	peers	peer	NOUN
fsr-4224	130	8	who	who	PRON
fsr-4224	130	9	engage	engage	VERB
fsr-4224	130	10	in	in	ADP
fsr-4224	130	11	responsible	responsible	ADJ
fsr-4224	130	12	financial	financial	ADJ
fsr-4224	130	13	practices	practice	NOUN
fsr-4224	130	14	encourages	encourage	VERB
fsr-4224	130	15	similar	similar	ADJ
fsr-4224	130	16	behaviors	behavior	NOUN
fsr-4224	130	17	,	,	PUNCT
fsr-4224	130	18	while	while	SCONJ
fsr-4224	130	19	positive	positive	ADJ
fsr-4224	130	20	peer	peer	NOUN
fsr-4224	130	21	pressure	pressure	NOUN
fsr-4224	130	22	motivates	motivate	VERB
fsr-4224	130	23	adherence	adherence	NOUN
fsr-4224	130	24	to	to	PART
fsr-4224	130	25	sound	sound	VERB
fsr-4224	130	26	financial	financial	ADJ
fsr-4224	130	27	management	management	NOUN
fsr-4224	130	28	.	.	PUNCT
fsr-4224	131	1	in	in	ADP
fsr-4224	131	2	addition	addition	NOUN
fsr-4224	131	3	to	to	ADP
fsr-4224	131	4	norm	norm	NOUN
fsr-4224	131	5	-	-	PUNCT
fsr-4224	131	6	setting	setting	NOUN
fsr-4224	131	7	,	,	PUNCT
fsr-4224	131	8	peers	peer	NOUN
fsr-4224	131	9	often	often	ADV
fsr-4224	131	10	share	share	VERB
fsr-4224	131	11	critical	critical	ADJ
fsr-4224	131	12	financial	financial	ADJ
fsr-4224	131	13	information	information	NOUN
fsr-4224	131	14	,	,	PUNCT
fsr-4224	131	15	including	include	VERB
fsr-4224	131	16	budgeting	budgeting	NOUN
fsr-4224	131	17	techniques	technique	NOUN
fsr-4224	131	18	,	,	PUNCT
fsr-4224	131	19	savings	saving	NOUN
fsr-4224	131	20	recommendations	recommendation	NOUN
fsr-4224	131	21	,	,	PUNCT
fsr-4224	131	22	and	and	CCONJ
fsr-4224	131	23	strategies	strategy	NOUN
fsr-4224	131	24	for	for	ADP
fsr-4224	131	25	avoiding	avoid	VERB
fsr-4224	131	26	financial	financial	ADJ
fsr-4224	131	27	risks	risk	NOUN
fsr-4224	131	28	.	.	PUNCT
fsr-4224	132	1	access	access	NOUN
fsr-4224	132	2	to	to	ADP
fsr-4224	132	3	this	this	DET
fsr-4224	132	4	shared	share	VERB
fsr-4224	132	5	knowledge	knowledge	NOUN
fsr-4224	132	6	enhances	enhance	VERB
fsr-4224	132	7	financial	financial	ADJ
fsr-4224	132	8	literacy	literacy	NOUN
fsr-4224	132	9	and	and	CCONJ
fsr-4224	132	10	improves	improve	VERB
fsr-4224	132	11	decision	decision	NOUN
fsr-4224	132	12	-	-	PUNCT
fsr-4224	132	13	making	make	VERB
fsr-4224	132	14	competencies	competency	NOUN
fsr-4224	132	15	.	.	PUNCT
fsr-4224	133	1	furthermore	furthermore	ADV
fsr-4224	133	2	,	,	PUNCT
fsr-4224	133	3	peers	peer	NOUN
fsr-4224	133	4	provide	provide	VERB
fsr-4224	133	5	emotional	emotional	ADJ
fsr-4224	133	6	support	support	NOUN
fsr-4224	133	7	,	,	PUNCT
fsr-4224	133	8	which	which	PRON
fsr-4224	133	9	can	can	AUX
fsr-4224	133	10	be	be	AUX
fsr-4224	133	11	vital	vital	ADJ
fsr-4224	133	12	in	in	ADP
fsr-4224	133	13	navigating	navigate	VERB
fsr-4224	133	14	financial	financial	ADJ
fsr-4224	133	15	challenges	challenge	NOUN
fsr-4224	133	16	and	and	CCONJ
fsr-4224	133	17	decision	decision	NOUN
fsr-4224	133	18	-	-	PUNCT
fsr-4224	133	19	making	make	VERB
fsr-4224	133	20	processes	process	NOUN
fsr-4224	133	21	.	.	PUNCT
fsr-4224	134	1	within	within	ADP
fsr-4224	134	2	the	the	DET
fsr-4224	134	3	framework	framework	NOUN
fsr-4224	134	4	of	of	ADP
fsr-4224	134	5	the	the	DET
fsr-4224	134	6	tpb	tpb	NOUN
fsr-4224	134	7	,	,	PUNCT
fsr-4224	134	8	subjective	subjective	ADJ
fsr-4224	134	9	norms	norm	NOUN
fsr-4224	134	10	—	—	PUNCT
fsr-4224	134	11	beliefs	belief	NOUN
fsr-4224	134	12	about	about	ADP
fsr-4224	134	13	what	what	PRON
fsr-4224	134	14	others	other	NOUN
fsr-4224	134	15	expect	expect	VERB
fsr-4224	134	16	one	one	PRON
fsr-4224	134	17	to	to	PART
fsr-4224	134	18	do	do	VERB
fsr-4224	134	19	—	—	PUNCT
fsr-4224	134	20	play	play	VERB
fsr-4224	134	21	a	a	DET
fsr-4224	134	22	key	key	ADJ
fsr-4224	134	23	role	role	NOUN
fsr-4224	134	24	in	in	ADP
fsr-4224	134	25	shaping	shape	VERB
fsr-4224	134	26	intentions	intention	NOUN
fsr-4224	134	27	and	and	CCONJ
fsr-4224	134	28	behaviors	behavior	NOUN
fsr-4224	134	29	.	.	PUNCT
fsr-4224	135	1	peer	peer	NOUN
fsr-4224	135	2	influence	influence	NOUN
fsr-4224	135	3	,	,	PUNCT
fsr-4224	135	4	therefore	therefore	ADV
fsr-4224	135	5	,	,	PUNCT
fsr-4224	135	6	significantly	significantly	ADV
fsr-4224	135	7	contributes	contribute	VERB
fsr-4224	135	8	to	to	ADP
fsr-4224	135	9	the	the	DET
fsr-4224	135	10	formation	formation	NOUN
fsr-4224	135	11	of	of	ADP
fsr-4224	135	12	these	these	DET
fsr-4224	135	13	subjective	subjective	ADJ
fsr-4224	135	14	norms	norm	NOUN
fsr-4224	135	15	,	,	PUNCT
fsr-4224	135	16	particularly	particularly	ADV
fsr-4224	135	17	in	in	ADP
fsr-4224	135	18	the	the	DET
fsr-4224	135	19	financial	financial	ADJ
fsr-4224	135	20	behaviors	behavior	NOUN
fsr-4224	135	21	of	of	ADP
fsr-4224	135	22	young	young	ADJ
fsr-4224	135	23	adults	adult	NOUN
fsr-4224	135	24	.	.	PUNCT
fsr-4224	136	1	extant	extant	ADJ
fsr-4224	136	2	research	research	NOUN
fsr-4224	136	3	consistently	consistently	ADV
fsr-4224	136	4	highlights	highlight	VERB
fsr-4224	136	5	the	the	DET
fsr-4224	136	6	positive	positive	ADJ
fsr-4224	136	7	role	role	NOUN
fsr-4224	136	8	of	of	ADP
fsr-4224	136	9	peer	peer	NOUN
fsr-4224	136	10	interactions	interaction	NOUN
fsr-4224	136	11	in	in	ADP
fsr-4224	136	12	promoting	promote	VERB
fsr-4224	136	13	desirable	desirable	ADJ
fsr-4224	136	14	financial	financial	ADJ
fsr-4224	136	15	behaviors	behavior	NOUN
fsr-4224	136	16	.	.	PUNCT
fsr-4224	137	1	for	for	ADP
fsr-4224	137	2	example	example	NOUN
fsr-4224	137	3	,	,	PUNCT
fsr-4224	137	4	gudmunson	gudmunson	PROPN
fsr-4224	137	5	et	et	PROPN
fsr-4224	137	6	al	al	PROPN
fsr-4224	137	7	.	.	PUNCT
fsr-4224	138	1	(	(	PUNCT
fsr-4224	138	2	2016	2016	NUM
fsr-4224	138	3	)	)	PUNCT
fsr-4224	138	4	demonstrated	demonstrate	VERB
fsr-4224	138	5	that	that	SCONJ
fsr-4224	138	6	peer	peer	NOUN
fsr-4224	138	7	discussions	discussion	NOUN
fsr-4224	138	8	on	on	ADP
fsr-4224	138	9	financial	financial	ADJ
fsr-4224	138	10	topics	topic	NOUN
fsr-4224	138	11	can	can	AUX
fsr-4224	138	12	enhance	enhance	VERB
fsr-4224	138	13	financial	financial	ADJ
fsr-4224	138	14	literacy	literacy	NOUN
fsr-4224	138	15	and	and	CCONJ
fsr-4224	138	16	foster	foster	ADJ
fsr-4224	138	17	responsible	responsible	ADJ
fsr-4224	138	18	financial	financial	ADJ
fsr-4224	138	19	conduct	conduct	NOUN
fsr-4224	138	20	.	.	PUNCT
fsr-4224	139	1	similarly	similarly	ADV
fsr-4224	139	2	,	,	PUNCT
fsr-4224	139	3	hira	hira	PROPN
fsr-4224	139	4	et	et	PROPN
fsr-4224	139	5	al	al	PROPN
fsr-4224	139	6	.	.	PROPN
fsr-4224	140	1	(	(	PUNCT
fsr-4224	140	2	2013	2013	NUM
fsr-4224	140	3	)	)	PUNCT
fsr-4224	140	4	found	find	VERB
fsr-4224	140	5	that	that	SCONJ
fsr-4224	140	6	peer	peer	NOUN
fsr-4224	140	7	influence	influence	NOUN
fsr-4224	140	8	is	be	AUX
fsr-4224	140	9	a	a	DET
fsr-4224	140	10	key	key	ADJ
fsr-4224	140	11	determinant	determinant	NOUN
fsr-4224	140	12	of	of	ADP
fsr-4224	140	13	financial	financial	ADJ
fsr-4224	140	14	practices	practice	NOUN
fsr-4224	140	15	such	such	ADJ
fsr-4224	140	16	as	as	ADP
fsr-4224	140	17	budgeting	budgeting	NOUN
fsr-4224	140	18	,	,	PUNCT
fsr-4224	140	19	investing	investing	NOUN
fsr-4224	140	20	,	,	PUNCT
fsr-4224	140	21	and	and	CCONJ
fsr-4224	140	22	credit	credit	NOUN
fsr-4224	140	23	management	management	NOUN
fsr-4224	140	24	,	,	PUNCT
fsr-4224	140	25	underscoring	underscore	VERB
fsr-4224	140	26	the	the	DET
fsr-4224	140	27	extensive	extensive	ADJ
fsr-4224	140	28	influence	influence	NOUN
fsr-4224	140	29	of	of	ADP
fsr-4224	140	30	social	social	ADJ
fsr-4224	140	31	interactions	interaction	NOUN
fsr-4224	140	32	on	on	ADP
fsr-4224	140	33	financial	financial	ADJ
fsr-4224	140	34	decision	decision	NOUN
fsr-4224	140	35	-	-	PUNCT
fsr-4224	140	36	making	making	NOUN
fsr-4224	140	37	.	.	PUNCT
fsr-4224	141	1	therefore	therefore	ADV
fsr-4224	141	2	,	,	PUNCT
fsr-4224	141	3	we	we	PRON
fsr-4224	141	4	hypothesize	hypothesize	VERB
fsr-4224	141	5	that	that	PRON
fsr-4224	141	6	peer	peer	NOUN
fsr-4224	141	7	influence	influence	NOUN
fsr-4224	141	8	has	have	VERB
fsr-4224	141	9	a	a	DET
fsr-4224	141	10	positive	positive	ADJ
fsr-4224	141	11	and	and	CCONJ
fsr-4224	141	12	significant	significant	ADJ
fsr-4224	141	13	effect	effect	NOUN
fsr-4224	141	14	on	on	ADP
fsr-4224	141	15	financial	financial	ADJ
fsr-4224	141	16	behavior	behavior	NOUN
fsr-4224	141	17	among	among	ADP
fsr-4224	141	18	young	young	ADJ
fsr-4224	141	19	adults	adult	NOUN
fsr-4224	141	20	.	.	PUNCT
fsr-4224	142	1	this	this	DET
fsr-4224	142	2	relationship	relationship	NOUN
fsr-4224	142	3	is	be	AUX
fsr-4224	142	4	supported	support	VERB
fsr-4224	142	5	by	by	ADP
fsr-4224	142	6	mechanisms	mechanism	NOUN
fsr-4224	142	7	such	such	ADJ
fsr-4224	142	8	as	as	ADP
fsr-4224	142	9	social	social	ADJ
fsr-4224	142	10	learning	learning	NOUN
fsr-4224	142	11	,	,	PUNCT
fsr-4224	142	12	normative	normative	ADJ
fsr-4224	142	13	influence	influence	NOUN
fsr-4224	142	14	,	,	PUNCT
fsr-4224	142	15	information	information	NOUN
fsr-4224	142	16	sharing	sharing	NOUN
fsr-4224	142	17	,	,	PUNCT
fsr-4224	142	18	emotional	emotional	ADJ
fsr-4224	142	19	support	support	NOUN
fsr-4224	142	20	,	,	PUNCT
fsr-4224	142	21	and	and	CCONJ
fsr-4224	142	22	comparative	comparative	ADJ
fsr-4224	142	23	evaluation	evaluation	NOUN
fsr-4224	142	24	.	.	PUNCT
fsr-4224	143	1	h3	h3	NOUN
fsr-4224	143	2	:	:	PUNCT
fsr-4224	143	3	peer	peer	NOUN
fsr-4224	143	4	influence	influence	NOUN
fsr-4224	143	5	has	have	VERB
fsr-4224	143	6	a	a	DET
fsr-4224	143	7	positive	positive	ADJ
fsr-4224	143	8	and	and	CCONJ
fsr-4224	143	9	significant	significant	ADJ
fsr-4224	143	10	effect	effect	NOUN
fsr-4224	143	11	on	on	ADP
fsr-4224	143	12	fmb	fmb	PROPN
fsr-4224	143	13	.	.	PUNCT
fsr-4224	143	14	perceived	perceive	VERB
fsr-4224	143	15	behavioral	behavioral	ADJ
fsr-4224	143	16	control	control	NOUN
fsr-4224	143	17	and	and	CCONJ
fsr-4224	143	18	fmb	fmb	NOUN
fsr-4224	143	19	in	in	ADP
fsr-4224	143	20	the	the	DET
fsr-4224	143	21	tpb	tpb	NOUN
fsr-4224	143	22	,	,	PUNCT
fsr-4224	143	23	perceived	perceive	VERB
fsr-4224	143	24	behavioral	behavioral	ADJ
fsr-4224	143	25	control	control	NOUN
fsr-4224	143	26	(	(	PUNCT
fsr-4224	143	27	pbc	pbc	PROPN
fsr-4224	143	28	)	)	PUNCT
fsr-4224	143	29	is	be	AUX
fsr-4224	143	30	a	a	DET
fsr-4224	143	31	key	key	ADJ
fsr-4224	143	32	concept	concept	NOUN
fsr-4224	143	33	that	that	PRON
fsr-4224	143	34	reflects	reflect	VERB
fsr-4224	143	35	an	an	DET
fsr-4224	143	36	individual	individual	NOUN
fsr-4224	143	37	's	's	PART
fsr-4224	143	38	perception	perception	NOUN
fsr-4224	143	39	of	of	ADP
fsr-4224	143	40	how	how	SCONJ
fsr-4224	143	41	easy	easy	ADJ
fsr-4224	143	42	or	or	CCONJ
fsr-4224	143	43	difficult	difficult	ADJ
fsr-4224	143	44	it	it	PRON
fsr-4224	143	45	is	be	AUX
fsr-4224	143	46	to	to	PART
fsr-4224	143	47	perform	perform	VERB
fsr-4224	143	48	a	a	DET
fsr-4224	143	49	particular	particular	ADJ
fsr-4224	143	50	behavior	behavior	NOUN
fsr-4224	143	51	(	(	PUNCT
fsr-4224	143	52	ajzen	ajzen	NOUN
fsr-4224	143	53	,	,	PUNCT
fsr-4224	143	54	1991	1991	NUM
fsr-4224	143	55	;	;	PUNCT
fsr-4224	143	56	conner	conner	PROPN
fsr-4224	143	57	and	and	CCONJ
fsr-4224	143	58	armitage	armitage	PROPN
fsr-4224	143	59	,	,	PUNCT
fsr-4224	143	60	1998	1998	NUM
fsr-4224	143	61	)	)	PUNCT
fsr-4224	143	62	.	.	PUNCT
fsr-4224	144	1	this	this	DET
fsr-4224	144	2	perception	perception	NOUN
fsr-4224	144	3	is	be	AUX
fsr-4224	144	4	based	base	VERB
fsr-4224	144	5	on	on	ADP
fsr-4224	144	6	control	control	NOUN
fsr-4224	144	7	beliefs	belief	NOUN
fsr-4224	144	8	,	,	PUNCT
fsr-4224	144	9	which	which	PRON
fsr-4224	144	10	are	be	AUX
fsr-4224	144	11	factors	factor	NOUN
fsr-4224	144	12	that	that	PRON
fsr-4224	144	13	can	can	AUX
fsr-4224	144	14	either	either	CCONJ
fsr-4224	144	15	facilitate	facilitate	VERB
fsr-4224	144	16	or	or	CCONJ
fsr-4224	144	17	hinder	hinder	VERB
fsr-4224	144	18	the	the	DET
fsr-4224	144	19	performance	performance	NOUN
fsr-4224	144	20	of	of	ADP
fsr-4224	144	21	the	the	DET
fsr-4224	144	22	behavior	behavior	NOUN
fsr-4224	144	23	(	(	PUNCT
fsr-4224	144	24	conner	conner	PROPN
fsr-4224	144	25	&	&	CCONJ
fsr-4224	144	26	armitage	armitage	PROPN
fsr-4224	144	27	,	,	PUNCT
fsr-4224	144	28	1998	1998	NUM
fsr-4224	144	29	)	)	PUNCT
fsr-4224	144	30	.	.	PUNCT
fsr-4224	145	1	control	control	PROPN
fsr-4224	145	2	beliefs	belief	NOUN
fsr-4224	145	3	are	be	AUX
fsr-4224	145	4	divided	divide	VERB
fsr-4224	145	5	into	into	ADP
fsr-4224	145	6	two	two	NUM
fsr-4224	145	7	categories	category	NOUN
fsr-4224	145	8	:	:	PUNCT
fsr-4224	145	9	self	self	NOUN
fsr-4224	145	10	-	-	PUNCT
fsr-4224	145	11	efficacy	efficacy	NOUN
fsr-4224	145	12	(	(	PUNCT
fsr-4224	145	13	internal	internal	ADJ
fsr-4224	145	14	control	control	NOUN
fsr-4224	145	15	)	)	PUNCT
fsr-4224	145	16	and	and	CCONJ
fsr-4224	145	17	perceived	perceive	VERB
fsr-4224	145	18	controllability	controllability	NOUN
fsr-4224	145	19	(	(	PUNCT
fsr-4224	145	20	external	external	ADJ
fsr-4224	145	21	control	control	NOUN
fsr-4224	145	22	)	)	PUNCT
fsr-4224	145	23	(	(	PUNCT
fsr-4224	145	24	ajzen	ajzen	NOUN
fsr-4224	145	25	,	,	PUNCT
fsr-4224	145	26	1991	1991	NUM
fsr-4224	145	27	)	)	PUNCT
fsr-4224	145	28	.	.	PUNCT
fsr-4224	146	1	the	the	DET
fsr-4224	146	2	concept	concept	NOUN
fsr-4224	146	3	of	of	ADP
fsr-4224	146	4	perceived	perceive	VERB
fsr-4224	146	5	behavioral	behavioral	ADJ
fsr-4224	146	6	control	control	NOUN
fsr-4224	146	7	in	in	ADP
fsr-4224	146	8	the	the	DET
fsr-4224	146	9	tpb	tpb	NOUN
fsr-4224	146	10	,	,	PUNCT
fsr-4224	146	11	is	be	AUX
fsr-4224	146	12	consistent	consistent	ADJ
fsr-4224	146	13	with	with	ADP
fsr-4224	146	14	bandura	bandura	NOUN
fsr-4224	146	15	’s	’s	PART
fsr-4224	146	16	concept	concept	NOUN
fsr-4224	146	17	of	of	ADP
fsr-4224	146	18	“	"	PUNCT
fsr-4224	146	19	perceived	perceive	VERB
fsr-4224	146	20	self	self	NOUN
fsr-4224	146	21	-	-	PUNCT
fsr-4224	146	22	efficacy	efficacy	NOUN
fsr-4224	146	23	”	"	PUNCT
fsr-4224	146	24	(	(	PUNCT
fsr-4224	146	25	georgiou	georgiou	PROPN
fsr-4224	146	26	et	et	PROPN
fsr-4224	146	27	al	al	PROPN
fsr-4224	146	28	.	.	PROPN
fsr-4224	146	29	,	,	PUNCT
fsr-4224	146	30	2023	2023	NUM
fsr-4224	146	31	)	)	PUNCT
fsr-4224	146	32	.	.	PUNCT
fsr-4224	147	1	in	in	ADP
fsr-4224	147	2	this	this	DET
fsr-4224	147	3	research	research	NOUN
fsr-4224	147	4	,	,	PUNCT
fsr-4224	147	5	we	we	PRON
fsr-4224	147	6	used	use	VERB
fsr-4224	147	7	two	two	NUM
fsr-4224	147	8	categories	category	NOUN
fsr-4224	147	9	for	for	ADP
fsr-4224	147	10	perceived	perceive	VERB
fsr-4224	147	11	behavioral	behavioral	ADJ
fsr-4224	147	12	control	control	NOUN
fsr-4224	147	13	,	,	PUNCT
fsr-4224	147	14	derived	derive	VERB
fsr-4224	147	15	from	from	ADP
fsr-4224	147	16	past	past	ADJ
fsr-4224	147	17	studies	study	NOUN
fsr-4224	147	18	:	:	PUNCT
fsr-4224	147	19	subjective	subjective	ADJ
fsr-4224	147	20	financial	financial	ADJ
fsr-4224	147	21	knowledge	knowledge	NOUN
fsr-4224	147	22	and	and	CCONJ
fsr-4224	147	23	financial	financial	ADJ
fsr-4224	147	24	self	self	NOUN
fsr-4224	147	25	-	-	PUNCT
fsr-4224	147	26	efficacy	efficacy	NOUN
fsr-4224	147	27	.	.	PUNCT
fsr-4224	148	1	these	these	DET
fsr-4224	148	2	categories	category	NOUN
fsr-4224	148	3	provide	provide	VERB
fsr-4224	148	4	a	a	DET
fsr-4224	148	5	comprehensive	comprehensive	ADJ
fsr-4224	148	6	understanding	understanding	NOUN
fsr-4224	148	7	of	of	ADP
fsr-4224	148	8	perceived	perceive	VERB
fsr-4224	148	9	behavioral	behavioral	ADJ
fsr-4224	148	10	control	control	NOUN
fsr-4224	148	11	within	within	ADP
fsr-4224	148	12	the	the	DET
fsr-4224	148	13	context	context	NOUN
fsr-4224	148	14	of	of	ADP
fsr-4224	148	15	financial	financial	ADJ
fsr-4224	148	16	decision	decision	NOUN
fsr-4224	148	17	-	-	PUNCT
fsr-4224	148	18	making	making	NOUN
fsr-4224	148	19	,	,	PUNCT
fsr-4224	148	20	as	as	SCONJ
fsr-4224	148	21	discussed	discuss	VERB
fsr-4224	148	22	below	below	ADV
fsr-4224	148	23	.	.	PUNCT
fsr-4224	149	1	subjective	subjective	ADJ
fsr-4224	149	2	financial	financial	ADJ
fsr-4224	149	3	knowledge	knowledge	NOUN
fsr-4224	149	4	and	and	CCONJ
fsr-4224	149	5	fmb	fmb	ADJ
fsr-4224	149	6	subjective	subjective	ADJ
fsr-4224	149	7	financial	financial	ADJ
fsr-4224	149	8	knowledge	knowledge	NOUN
fsr-4224	149	9	refers	refer	VERB
fsr-4224	149	10	to	to	ADP
fsr-4224	149	11	an	an	DET
fsr-4224	149	12	individual	individual	NOUN
fsr-4224	149	13	’s	’s	PART
fsr-4224	149	14	self	self	NOUN
fsr-4224	149	15	-	-	PUNCT
fsr-4224	149	16	perceived	perceive	VERB
fsr-4224	149	17	understanding	understanding	NOUN
fsr-4224	149	18	and	and	CCONJ
fsr-4224	149	19	competence	competence	NOUN
fsr-4224	149	20	in	in	ADP
fsr-4224	149	21	financial	financial	ADJ
fsr-4224	149	22	matters	matter	NOUN
fsr-4224	149	23	.	.	PUNCT
fsr-4224	150	1	unlike	unlike	ADP
fsr-4224	150	2	objective	objective	ADJ
fsr-4224	150	3	financial	financial	ADJ
fsr-4224	150	4	knowledge	knowledge	NOUN
fsr-4224	150	5	,	,	PUNCT
fsr-4224	150	6	which	which	PRON
fsr-4224	150	7	pertains	pertain	VERB
fsr-4224	150	8	to	to	ADP
fsr-4224	150	9	verifiable	verifiable	ADJ
fsr-4224	150	10	knowledge	knowledge	NOUN
fsr-4224	150	11	of	of	ADP
fsr-4224	150	12	financial	financial	ADJ
fsr-4224	150	13	concepts	concept	NOUN
fsr-4224	150	14	and	and	CCONJ
fsr-4224	150	15	practices	practice	NOUN
fsr-4224	150	16	,	,	PUNCT
fsr-4224	150	17	subjective	subjective	ADJ
fsr-4224	150	18	financial	financial	ADJ
fsr-4224	150	19	knowledge	knowledge	NOUN
fsr-4224	150	20	is	be	AUX
fsr-4224	150	21	based	base	VERB
fsr-4224	150	22	on	on	ADP
fsr-4224	150	23	personal	personal	ADJ
fsr-4224	150	24	perceptions	perception	NOUN
fsr-4224	150	25	and	and	CCONJ
fsr-4224	150	26	confidence	confidence	NOUN
fsr-4224	150	27	in	in	ADP
fsr-4224	150	28	one	one	NUM
fsr-4224	150	29	's	's	PART
fsr-4224	150	30	financial	financial	ADJ
fsr-4224	150	31	capabilities	capability	NOUN
fsr-4224	150	32	.	.	PUNCT
fsr-4224	151	1	this	this	DET
fsr-4224	151	2	distinction	distinction	NOUN
fsr-4224	151	3	is	be	AUX
fsr-4224	151	4	pivotal	pivotal	ADJ
fsr-4224	151	5	,	,	PUNCT
fsr-4224	151	6	as	as	SCONJ
fsr-4224	151	7	it	it	PRON
fsr-4224	151	8	highlights	highlight	VERB
fsr-4224	151	9	the	the	DET
fsr-4224	151	10	significant	significant	ADJ
fsr-4224	151	11	role	role	NOUN
fsr-4224	151	12	of	of	ADP
fsr-4224	151	13	self	self	NOUN
fsr-4224	151	14	-	-	PUNCT
fsr-4224	151	15	perception	perception	NOUN
fsr-4224	151	16	in	in	ADP
fsr-4224	151	17	influencing	influence	VERB
fsr-4224	151	18	financial	financial	ADJ
fsr-4224	151	19	decision	decision	NOUN
fsr-4224	151	20	-	-	PUNCT
fsr-4224	151	21	making	making	NOUN
fsr-4224	151	22	and	and	CCONJ
fsr-4224	151	23	behavior	behavior	NOUN
fsr-4224	151	24	.	.	PUNCT
fsr-4224	152	1	subjective	subjective	ADJ
fsr-4224	152	2	financial	financial	ADJ
fsr-4224	152	3	knowledge	knowledge	NOUN
fsr-4224	152	4	is	be	AUX
fsr-4224	152	5	closely	closely	ADV
fsr-4224	152	6	associated	associate	VERB
fsr-4224	152	7	with	with	ADP
fsr-4224	152	8	financial	financial	ADJ
fsr-4224	152	9	self	self	NOUN
fsr-4224	152	10	-	-	PUNCT
fsr-4224	152	11	efficacy	efficacy	NOUN
fsr-4224	152	12	,	,	PUNCT
fsr-4224	152	13	or	or	CCONJ
fsr-4224	152	14	the	the	DET
fsr-4224	152	15	belief	belief	NOUN
fsr-4224	152	16	in	in	ADP
fsr-4224	152	17	one	one	NUM
fsr-4224	152	18	’s	’s	PART
fsr-4224	152	19	ability	ability	NOUN
fsr-4224	152	20	to	to	PART
fsr-4224	152	21	effectively	effectively	ADV
fsr-4224	152	22	manage	manage	VERB
fsr-4224	152	23	financial	financial	ADJ
fsr-4224	152	24	tasks	task	NOUN
fsr-4224	152	25	.	.	PUNCT
fsr-4224	153	1	individuals	individual	NOUN
fsr-4224	153	2	who	who	PRON
fsr-4224	153	3	perceive	perceive	VERB
fsr-4224	153	4	themselves	themselves	PRON
fsr-4224	153	5	as	as	ADP
fsr-4224	153	6	financially	financially	ADV
fsr-4224	153	7	competent	competent	ADJ
fsr-4224	153	8	tend	tend	NOUN
fsr-4224	153	9	to	to	PART
fsr-4224	153	10	exhibit	exhibit	VERB
fsr-4224	153	11	greater	great	ADJ
fsr-4224	153	12	confidence	confidence	NOUN
fsr-4224	153	13	in	in	ADP
fsr-4224	153	14	their	their	PRON
fsr-4224	153	15	financial	financial	ADJ
fsr-4224	153	16	decisions	decision	NOUN
fsr-4224	153	17	,	,	PUNCT
fsr-4224	153	18	which	which	PRON
fsr-4224	153	19	often	often	ADV
fsr-4224	153	20	leads	lead	VERB
fsr-4224	153	21	to	to	ADP
fsr-4224	153	22	more	more	ADV
fsr-4224	153	23	favorable	favorable	ADJ
fsr-4224	153	24	financial	financial	ADJ
fsr-4224	153	25	outcomes	outcome	NOUN
fsr-4224	153	26	.	.	PUNCT
fsr-4224	154	1	individuals	individual	NOUN
fsr-4224	154	2	who	who	PRON
fsr-4224	154	3	believe	believe	VERB
fsr-4224	154	4	they	they	PRON
fsr-4224	154	5	possess	possess	VERB
fsr-4224	154	6	sufficient	sufficient	ADJ
fsr-4224	154	7	financial	financial	ADJ
fsr-4224	154	8	knowledge	knowledge	NOUN
fsr-4224	154	9	are	be	AUX
fsr-4224	154	10	more	more	ADV
fsr-4224	154	11	inclined	inclined	ADJ
fsr-4224	154	12	to	to	PART
fsr-4224	154	13	engage	engage	VERB
fsr-4224	154	14	in	in	ADP
fsr-4224	154	15	prudent	prudent	ADJ
fsr-4224	154	16	financial	financial	ADJ
fsr-4224	154	17	behaviors	behavior	NOUN
fsr-4224	154	18	,	,	PUNCT
fsr-4224	154	19	such	such	ADJ
fsr-4224	154	20	as	as	ADP
fsr-4224	154	21	consistent	consistent	ADJ
fsr-4224	154	22	saving	saving	NOUN
fsr-4224	154	23	,	,	PUNCT
fsr-4224	154	24	strategic	strategic	ADJ
fsr-4224	154	25	investing	investing	NOUN
fsr-4224	154	26	,	,	PUNCT
fsr-4224	154	27	and	and	CCONJ
fsr-4224	154	28	careful	careful	ADJ
fsr-4224	154	29	budgeting	budgeting	NOUN
fsr-4224	154	30	.	.	PUNCT
fsr-4224	155	1	higher	high	ADJ
fsr-4224	155	2	perceived	perceive	VERB
fsr-4224	155	3	financial	financial	ADJ
fsr-4224	155	4	knowledge	knowledge	NOUN
fsr-4224	155	5	reduces	reduce	VERB
fsr-4224	155	6	financial	financial	ADJ
fsr-4224	155	7	anxiety	anxiety	NOUN
fsr-4224	155	8	(	(	PUNCT
fsr-4224	155	9	ahamed	ahamed	PROPN
fsr-4224	155	10	&	&	CCONJ
fsr-4224	155	11	limbu	limbu	PROPN
fsr-4224	155	12	,	,	PUNCT
fsr-4224	155	13	2024	2024	NUM
fsr-4224	155	14	)	)	PUNCT
fsr-4224	155	15	,	,	PUNCT
fsr-4224	155	16	fosters	foster	VERB
fsr-4224	155	17	proactive	proactive	ADJ
fsr-4224	155	18	management	management	NOUN
fsr-4224	155	19	,	,	PUNCT
fsr-4224	155	20	and	and	CCONJ
fsr-4224	155	21	enhances	enhance	VERB
fsr-4224	155	22	motivation	motivation	NOUN
fsr-4224	155	23	to	to	PART
fsr-4224	155	24	engage	engage	VERB
fsr-4224	155	25	in	in	ADP
fsr-4224	155	26	financial	financial	ADJ
fsr-4224	155	27	planning	planning	NOUN
fsr-4224	155	28	.	.	PUNCT
fsr-4224	156	1	it	it	PRON
fsr-4224	156	2	also	also	ADV
fsr-4224	156	3	improves	improve	VERB
fsr-4224	156	4	risk	risk	NOUN
fsr-4224	156	5	assessment	assessment	NOUN
fsr-4224	156	6	,	,	PUNCT
fsr-4224	156	7	enabling	enable	VERB
fsr-4224	156	8	more	more	ADV
fsr-4224	156	9	cautious	cautious	ADJ
fsr-4224	156	10	financial	financial	ADJ
fsr-4224	156	11	behavior	behavior	NOUN
fsr-4224	156	12	.	.	PUNCT
fsr-4224	157	1	subjective	subjective	ADJ
fsr-4224	157	2	financial	financial	ADJ
fsr-4224	157	3	knowledge	knowledge	NOUN
fsr-4224	157	4	influences	influence	VERB
fsr-4224	157	5	financial	financial	ADJ
fsr-4224	157	6	intentions	intention	NOUN
fsr-4224	157	7	by	by	ADP
fsr-4224	157	8	increasing	increase	VERB
fsr-4224	157	9	confidence	confidence	NOUN
fsr-4224	157	10	in	in	ADP
fsr-4224	157	11	one	one	NUM
fsr-4224	157	12	’s	’s	PART
fsr-4224	157	13	ability	ability	NOUN
fsr-4224	157	14	to	to	PART
fsr-4224	157	15	execute	execute	VERB
fsr-4224	157	16	financial	financial	ADJ
fsr-4224	157	17	plans	plan	NOUN
fsr-4224	157	18	,	,	PUNCT
fsr-4224	157	19	aligning	align	VERB
fsr-4224	157	20	with	with	ADP
fsr-4224	157	21	perceived	perceive	VERB
fsr-4224	157	22	behavioral	behavioral	ADJ
fsr-4224	157	23	control	control	NOUN
fsr-4224	157	24	in	in	ADP
fsr-4224	157	25	the	the	DET
fsr-4224	157	26	tpb	tpb	NOUN
fsr-4224	157	27	.	.	PUNCT
fsr-4224	158	1	past	past	PROPN
fsr-4224	158	2	research	research	NOUN
fsr-4224	158	3	underscores	underscore	VERB
fsr-4224	158	4	the	the	DET
fsr-4224	158	5	strong	strong	ADJ
fsr-4224	158	6	relationship	relationship	NOUN
fsr-4224	158	7	between	between	ADP
fsr-4224	158	8	subjective	subjective	ADJ
fsr-4224	158	9	financial	financial	ADJ
fsr-4224	158	10	knowledge	knowledge	NOUN
fsr-4224	158	11	and	and	CCONJ
fsr-4224	158	12	positive	positive	ADJ
fsr-4224	158	13	financial	financial	ADJ
fsr-4224	158	14	behaviors	behavior	NOUN
fsr-4224	158	15	,	,	PUNCT
fsr-4224	158	16	such	such	ADJ
fsr-4224	158	17	as	as	ADP
fsr-4224	158	18	budgeting	budgeting	NOUN
fsr-4224	158	19	,	,	PUNCT
fsr-4224	158	20	saving	saving	NOUN
fsr-4224	158	21	,	,	PUNCT
fsr-4224	158	22	and	and	CCONJ
fsr-4224	158	23	investing	invest	VERB
fsr-4224	158	24	(	(	PUNCT
fsr-4224	158	25	morris	morris	PROPN
fsr-4224	158	26	et	et	PROPN
fsr-4224	158	27	al	al	PROPN
fsr-4224	158	28	.	.	PROPN
fsr-4224	158	29	,	,	PUNCT
fsr-4224	158	30	2023	2023	NUM
fsr-4224	158	31	)	)	PUNCT
fsr-4224	158	32	.	.	PUNCT
fsr-4224	159	1	allgood	allgood	PROPN
fsr-4224	159	2	and	and	CCONJ
fsr-4224	159	3	walstad	walstad	PROPN
fsr-4224	159	4	(	(	PUNCT
fsr-4224	159	5	2016	2016	NUM
fsr-4224	159	6	)	)	PUNCT
fsr-4224	159	7	found	find	VERB
fsr-4224	159	8	that	that	SCONJ
fsr-4224	159	9	individuals	individual	NOUN
fsr-4224	159	10	with	with	ADP
fsr-4224	159	11	elevated	elevated	ADJ
fsr-4224	159	12	levels	level	NOUN
fsr-4224	159	13	of	of	ADP
fsr-4224	159	14	subjective	subjective	ADJ
fsr-4224	159	15	financial	financial	ADJ
fsr-4224	159	16	knowledge	knowledge	NOUN
fsr-4224	159	17	are	be	AUX
fsr-4224	159	18	significantly	significantly	ADV
fsr-4224	159	19	more	more	ADV
fsr-4224	159	20	likely	likely	ADJ
fsr-4224	159	21	to	to	PART
fsr-4224	159	22	engage	engage	VERB
fsr-4224	159	23	in	in	ADP
fsr-4224	159	24	beneficial	beneficial	ADJ
fsr-4224	159	25	financial	financial	ADJ
fsr-4224	159	26	behaviors	behavior	NOUN
fsr-4224	159	27	.	.	PUNCT
fsr-4224	160	1	similarly	similarly	ADV
fsr-4224	160	2	,	,	PUNCT
fsr-4224	160	3	perry	perry	PROPN
fsr-4224	160	4	and	and	CCONJ
fsr-4224	160	5	morris	morris	PROPN
fsr-4224	160	6	financial	financial	PROPN
fsr-4224	160	7	services	services	PROPN
fsr-4224	160	8	review	review	NOUN
fsr-4224	160	9	,	,	PUNCT
fsr-4224	160	10	33(4	33(4	NUM
fsr-4224	160	11	)	)	PUNCT
fsr-4224	160	12	170	170	NUM
fsr-4224	160	13	(	(	PUNCT
fsr-4224	160	14	2005	2005	NUM
fsr-4224	160	15	)	)	PUNCT
fsr-4224	160	16	demonstrated	demonstrate	VERB
fsr-4224	160	17	that	that	SCONJ
fsr-4224	160	18	subjective	subjective	ADJ
fsr-4224	160	19	financial	financial	ADJ
fsr-4224	160	20	knowledge	knowledge	NOUN
fsr-4224	160	21	is	be	AUX
fsr-4224	160	22	a	a	DET
fsr-4224	160	23	key	key	ADJ
fsr-4224	160	24	predictor	predictor	NOUN
fsr-4224	160	25	of	of	ADP
fsr-4224	160	26	financial	financial	ADJ
fsr-4224	160	27	behavior	behavior	NOUN
fsr-4224	160	28	,	,	PUNCT
fsr-4224	160	29	even	even	ADV
fsr-4224	160	30	after	after	ADP
fsr-4224	160	31	controlling	control	VERB
fsr-4224	160	32	for	for	ADP
fsr-4224	160	33	objective	objective	ADJ
fsr-4224	160	34	financial	financial	ADJ
fsr-4224	160	35	knowledge	knowledge	NOUN
fsr-4224	160	36	.	.	PUNCT
fsr-4224	161	1	in	in	ADP
fsr-4224	161	2	light	light	NOUN
fsr-4224	161	3	of	of	ADP
fsr-4224	161	4	these	these	DET
fsr-4224	161	5	findings	finding	NOUN
fsr-4224	161	6	,	,	PUNCT
fsr-4224	161	7	we	we	PRON
fsr-4224	161	8	hypothesize	hypothesize	VERB
fsr-4224	161	9	that	that	SCONJ
fsr-4224	161	10	subjective	subjective	ADJ
fsr-4224	161	11	financial	financial	ADJ
fsr-4224	161	12	knowledge	knowledge	NOUN
fsr-4224	161	13	exerts	exert	VERB
fsr-4224	161	14	a	a	DET
fsr-4224	161	15	positive	positive	ADJ
fsr-4224	161	16	and	and	CCONJ
fsr-4224	161	17	significant	significant	ADJ
fsr-4224	161	18	effect	effect	NOUN
fsr-4224	161	19	on	on	ADP
fsr-4224	161	20	financial	financial	ADJ
fsr-4224	161	21	behavior	behavior	NOUN
fsr-4224	161	22	.	.	PUNCT
fsr-4224	162	1	this	this	DET
fsr-4224	162	2	relationship	relationship	NOUN
fsr-4224	162	3	is	be	AUX
fsr-4224	162	4	mediated	mediate	VERB
fsr-4224	162	5	through	through	ADP
fsr-4224	162	6	mechanisms	mechanism	NOUN
fsr-4224	162	7	such	such	ADJ
fsr-4224	162	8	as	as	ADP
fsr-4224	162	9	enhanced	enhanced	ADJ
fsr-4224	162	10	confidence	confidence	NOUN
fsr-4224	162	11	and	and	CCONJ
fsr-4224	162	12	self	self	NOUN
fsr-4224	162	13	-	-	PUNCT
fsr-4224	162	14	efficacy	efficacy	NOUN
fsr-4224	162	15	,	,	PUNCT
fsr-4224	162	16	superior	superior	ADJ
fsr-4224	162	17	decision	decision	NOUN
fsr-4224	162	18	-	-	PUNCT
fsr-4224	162	19	making	making	NOUN
fsr-4224	162	20	,	,	PUNCT
fsr-4224	162	21	increased	increase	VERB
fsr-4224	162	22	motivation	motivation	NOUN
fsr-4224	162	23	and	and	CCONJ
fsr-4224	162	24	engagement	engagement	NOUN
fsr-4224	162	25	,	,	PUNCT
fsr-4224	162	26	improved	improve	VERB
fsr-4224	162	27	risk	risk	NOUN
fsr-4224	162	28	perception	perception	NOUN
fsr-4224	162	29	and	and	CCONJ
fsr-4224	162	30	management	management	NOUN
fsr-4224	162	31	,	,	PUNCT
fsr-4224	162	32	and	and	CCONJ
fsr-4224	162	33	strengthened	strengthen	VERB
fsr-4224	162	34	behavioral	behavioral	ADJ
fsr-4224	162	35	intentions	intention	NOUN
fsr-4224	162	36	.	.	PUNCT
fsr-4224	163	1	h4	h4	NOUN
fsr-4224	163	2	:	:	PUNCT
fsr-4224	163	3	subjective	subjective	ADJ
fsr-4224	163	4	financial	financial	ADJ
fsr-4224	163	5	knowledge	knowledge	NOUN
fsr-4224	163	6	has	have	VERB
fsr-4224	163	7	a	a	DET
fsr-4224	163	8	positive	positive	ADJ
fsr-4224	163	9	and	and	CCONJ
fsr-4224	163	10	significant	significant	ADJ
fsr-4224	163	11	effect	effect	NOUN
fsr-4224	163	12	on	on	ADP
fsr-4224	163	13	fmb	fmb	PROPN
fsr-4224	163	14	.	.	PUNCT
fsr-4224	163	15	financial	financial	ADJ
fsr-4224	163	16	self	self	NOUN
fsr-4224	163	17	-	-	PUNCT
fsr-4224	163	18	efficacy	efficacy	NOUN
fsr-4224	163	19	and	and	CCONJ
fsr-4224	163	20	fmb	fmb	ADJ
fsr-4224	163	21	financial	financial	ADJ
fsr-4224	163	22	self	self	NOUN
fsr-4224	163	23	-	-	PUNCT
fsr-4224	163	24	efficacy	efficacy	NOUN
fsr-4224	163	25	,	,	PUNCT
fsr-4224	163	26	based	base	VERB
fsr-4224	163	27	on	on	ADP
fsr-4224	163	28	bandura	bandura	NOUN
fsr-4224	163	29	’s	’s	PART
fsr-4224	163	30	self	self	NOUN
fsr-4224	163	31	-	-	PUNCT
fsr-4224	163	32	efficacy	efficacy	NOUN
fsr-4224	163	33	theory	theory	NOUN
fsr-4224	163	34	,	,	PUNCT
fsr-4224	163	35	refers	refer	VERB
fsr-4224	163	36	to	to	ADP
fsr-4224	163	37	an	an	DET
fsr-4224	163	38	individual	individual	NOUN
fsr-4224	163	39	’s	’s	PART
fsr-4224	163	40	confidence	confidence	NOUN
fsr-4224	163	41	in	in	ADP
fsr-4224	163	42	their	their	PRON
fsr-4224	163	43	ability	ability	NOUN
fsr-4224	163	44	to	to	PART
fsr-4224	163	45	manage	manage	VERB
fsr-4224	163	46	financial	financial	ADJ
fsr-4224	163	47	tasks	task	NOUN
fsr-4224	163	48	and	and	CCONJ
fsr-4224	163	49	make	make	VERB
fsr-4224	163	50	informed	informed	ADJ
fsr-4224	163	51	decisions	decision	NOUN
fsr-4224	163	52	(	(	PUNCT
fsr-4224	163	53	farrell	farrell	PROPN
fsr-4224	163	54	et	et	PROPN
fsr-4224	163	55	al	al	PROPN
fsr-4224	163	56	.	.	PROPN
fsr-4224	163	57	,	,	PUNCT
fsr-4224	163	58	2016	2016	NUM
fsr-4224	163	59	;	;	PUNCT
fsr-4224	163	60	lown	lown	PROPN
fsr-4224	163	61	,	,	PUNCT
fsr-4224	163	62	2011	2011	NUM
fsr-4224	163	63	)	)	PUNCT
fsr-4224	163	64	.	.	PUNCT
fsr-4224	164	1	bandura	bandura	NOUN
fsr-4224	164	2	’s	’s	PART
fsr-4224	164	3	framework	framework	NOUN
fsr-4224	164	4	asserts	assert	VERB
fsr-4224	164	5	that	that	SCONJ
fsr-4224	164	6	belief	belief	NOUN
fsr-4224	164	7	in	in	ADP
fsr-4224	164	8	one	one	NUM
fsr-4224	164	9	’s	’s	PART
fsr-4224	164	10	capabilities	capability	NOUN
fsr-4224	164	11	significantly	significantly	ADV
fsr-4224	164	12	influences	influence	VERB
fsr-4224	164	13	their	their	PRON
fsr-4224	164	14	success	success	NOUN
fsr-4224	164	15	in	in	ADP
fsr-4224	164	16	performing	perform	VERB
fsr-4224	164	17	actions	action	NOUN
fsr-4224	164	18	(	(	PUNCT
fsr-4224	164	19	bandura	bandura	NOUN
fsr-4224	164	20	,	,	PUNCT
fsr-4224	164	21	1977	1977	NUM
fsr-4224	164	22	)	)	PUNCT
fsr-4224	164	23	.	.	PUNCT
fsr-4224	165	1	individuals	individual	NOUN
fsr-4224	165	2	with	with	ADP
fsr-4224	165	3	high	high	ADJ
fsr-4224	165	4	self	self	NOUN
fsr-4224	165	5	-	-	PUNCT
fsr-4224	165	6	efficacy	efficacy	NOUN
fsr-4224	165	7	are	be	AUX
fsr-4224	165	8	more	more	ADV
fsr-4224	165	9	likely	likely	ADJ
fsr-4224	165	10	to	to	PART
fsr-4224	165	11	set	set	VERB
fsr-4224	165	12	ambitious	ambitious	ADJ
fsr-4224	165	13	goals	goal	NOUN
fsr-4224	165	14	,	,	PUNCT
fsr-4224	165	15	persist	persist	VERB
fsr-4224	165	16	through	through	ADP
fsr-4224	165	17	challenges	challenge	NOUN
fsr-4224	165	18	,	,	PUNCT
fsr-4224	165	19	and	and	CCONJ
fsr-4224	165	20	recover	recover	VERB
fsr-4224	165	21	from	from	ADP
fsr-4224	165	22	setbacks	setback	NOUN
fsr-4224	165	23	(	(	PUNCT
fsr-4224	165	24	bandura	bandura	NOUN
fsr-4224	165	25	,	,	PUNCT
fsr-4224	165	26	1997	1997	NUM
fsr-4224	165	27	)	)	PUNCT
fsr-4224	165	28	.	.	PUNCT
fsr-4224	166	1	in	in	ADP
fsr-4224	166	2	financial	financial	ADJ
fsr-4224	166	3	contexts	contexts	NOUN
fsr-4224	166	4	,	,	PUNCT
fsr-4224	166	5	this	this	DET
fsr-4224	166	6	belief	belief	NOUN
fsr-4224	166	7	shapes	shape	VERB
fsr-4224	166	8	how	how	SCONJ
fsr-4224	166	9	individuals	individual	NOUN
fsr-4224	166	10	handle	handle	VERB
fsr-4224	166	11	financial	financial	ADJ
fsr-4224	166	12	challenges	challenge	NOUN
fsr-4224	166	13	and	and	CCONJ
fsr-4224	166	14	opportunities	opportunity	NOUN
fsr-4224	166	15	,	,	PUNCT
fsr-4224	166	16	impacting	impact	VERB
fsr-4224	166	17	both	both	PRON
fsr-4224	166	18	their	their	PRON
fsr-4224	166	19	intentions	intention	NOUN
fsr-4224	166	20	and	and	CCONJ
fsr-4224	166	21	behaviors	behavior	NOUN
fsr-4224	166	22	.	.	PUNCT
fsr-4224	167	1	higher	high	ADJ
fsr-4224	167	2	financial	financial	ADJ
fsr-4224	167	3	self	self	NOUN
fsr-4224	167	4	-	-	PUNCT
fsr-4224	167	5	efficacy	efficacy	NOUN
fsr-4224	167	6	strengthens	strengthens	AUX
fsr-4224	167	7	perceived	perceive	VERB
fsr-4224	167	8	behavioral	behavioral	ADJ
fsr-4224	167	9	control	control	NOUN
fsr-4224	167	10	,	,	PUNCT
fsr-4224	167	11	a	a	DET
fsr-4224	167	12	key	key	ADJ
fsr-4224	167	13	element	element	NOUN
fsr-4224	167	14	of	of	ADP
fsr-4224	167	15	the	the	DET
fsr-4224	167	16	tpb	tpb	NOUN
fsr-4224	167	17	,	,	PUNCT
fsr-4224	167	18	encouraging	encourage	VERB
fsr-4224	167	19	positive	positive	ADJ
fsr-4224	167	20	behaviors	behavior	NOUN
fsr-4224	167	21	like	like	ADP
fsr-4224	167	22	budgeting	budgeting	NOUN
fsr-4224	167	23	and	and	CCONJ
fsr-4224	167	24	saving	saving	NOUN
fsr-4224	167	25	.	.	PUNCT
fsr-4224	168	1	greater	great	ADJ
fsr-4224	168	2	confidence	confidence	NOUN
fsr-4224	168	3	leads	lead	VERB
fsr-4224	168	4	individuals	individual	NOUN
fsr-4224	168	5	to	to	PART
fsr-4224	168	6	engage	engage	VERB
fsr-4224	168	7	in	in	ADP
fsr-4224	168	8	better	well	ADJ
fsr-4224	168	9	financial	financial	ADJ
fsr-4224	168	10	management	management	NOUN
fsr-4224	168	11	(	(	PUNCT
fsr-4224	168	12	lone	lone	PROPN
fsr-4224	168	13	&	&	CCONJ
fsr-4224	168	14	bhat	bhat	PROPN
fsr-4224	168	15	,	,	PUNCT
fsr-4224	168	16	2024	2024	NUM
fsr-4224	168	17	)	)	PUNCT
fsr-4224	168	18	,	,	PUNCT
fsr-4224	168	19	and	and	CCONJ
fsr-4224	168	20	those	those	PRON
fsr-4224	168	21	with	with	ADP
fsr-4224	168	22	higher	high	ADJ
fsr-4224	168	23	self	self	NOUN
fsr-4224	168	24	-	-	PUNCT
fsr-4224	168	25	efficacy	efficacy	NOUN
fsr-4224	168	26	are	be	AUX
fsr-4224	168	27	more	more	ADV
fsr-4224	168	28	motivated	motivated	ADJ
fsr-4224	168	29	to	to	PART
fsr-4224	168	30	overcome	overcome	VERB
fsr-4224	168	31	financial	financial	ADJ
fsr-4224	168	32	difficulties	difficulty	NOUN
fsr-4224	168	33	(	(	PUNCT
fsr-4224	168	34	dare	dare	VERB
fsr-4224	168	35	et	et	PROPN
fsr-4224	168	36	al	al	PROPN
fsr-4224	168	37	.	.	PROPN
fsr-4224	168	38	,	,	PUNCT
fsr-4224	168	39	2023	2023	NUM
fsr-4224	168	40	)	)	PUNCT
fsr-4224	168	41	.	.	PUNCT
fsr-4224	169	1	research	research	NOUN
fsr-4224	169	2	supports	support	VERB
fsr-4224	169	3	the	the	DET
fsr-4224	169	4	link	link	NOUN
fsr-4224	169	5	between	between	ADP
fsr-4224	169	6	financial	financial	ADJ
fsr-4224	169	7	self	self	NOUN
fsr-4224	169	8	-	-	PUNCT
fsr-4224	169	9	efficacy	efficacy	NOUN
fsr-4224	169	10	and	and	CCONJ
fsr-4224	169	11	well	well	ADV
fsr-4224	169	12	-	-	PUNCT
fsr-4224	169	13	being	being	NOUN
fsr-4224	169	14	.	.	PUNCT
fsr-4224	170	1	farrell	farrell	PROPN
fsr-4224	170	2	et	et	PROPN
fsr-4224	170	3	al	al	PROPN
fsr-4224	170	4	.	.	PROPN
fsr-4224	171	1	(	(	PUNCT
fsr-4224	171	2	2016	2016	NUM
fsr-4224	171	3	)	)	PUNCT
fsr-4224	171	4	found	find	VERB
fsr-4224	171	5	that	that	SCONJ
fsr-4224	171	6	higher	high	ADJ
fsr-4224	171	7	financial	financial	ADJ
fsr-4224	171	8	self	self	NOUN
fsr-4224	171	9	-	-	PUNCT
fsr-4224	171	10	efficacy	efficacy	NOUN
fsr-4224	171	11	reduces	reduce	VERB
fsr-4224	171	12	financial	financial	ADJ
fsr-4224	171	13	stress	stress	NOUN
fsr-4224	171	14	and	and	CCONJ
fsr-4224	171	15	enhances	enhance	VERB
fsr-4224	171	16	well	well	ADV
fsr-4224	171	17	-	-	PUNCT
fsr-4224	171	18	being	being	NOUN
fsr-4224	171	19	,	,	PUNCT
fsr-4224	171	20	while	while	SCONJ
fsr-4224	171	21	other	other	ADJ
fsr-4224	171	22	studies	study	NOUN
fsr-4224	171	23	show	show	VERB
fsr-4224	171	24	it	it	PRON
fsr-4224	171	25	prevents	prevent	VERB
fsr-4224	171	26	poor	poor	ADJ
fsr-4224	171	27	financial	financial	ADJ
fsr-4224	171	28	behaviors	behavior	NOUN
fsr-4224	171	29	(	(	PUNCT
fsr-4224	171	30	hadar	hadar	PROPN
fsr-4224	171	31	et	et	PROPN
fsr-4224	171	32	al	al	PROPN
fsr-4224	171	33	.	.	PROPN
fsr-4224	171	34	,	,	PUNCT
fsr-4224	171	35	2013	2013	NUM
fsr-4224	171	36	)	)	PUNCT
fsr-4224	171	37	and	and	CCONJ
fsr-4224	171	38	promotes	promote	VERB
fsr-4224	171	39	prudent	prudent	ADJ
fsr-4224	171	40	habits	habit	NOUN
fsr-4224	171	41	like	like	ADP
fsr-4224	171	42	saving	save	VERB
fsr-4224	171	43	(	(	PUNCT
fsr-4224	171	44	lown	lown	PROPN
fsr-4224	171	45	,	,	PUNCT
fsr-4224	171	46	2011	2011	NUM
fsr-4224	171	47	)	)	PUNCT
fsr-4224	171	48	.	.	PUNCT
fsr-4224	172	1	robb	robb	NOUN
fsr-4224	172	2	and	and	CCONJ
fsr-4224	172	3	woodyard	woodyard	PROPN
fsr-4224	172	4	(	(	PUNCT
fsr-4224	172	5	2011	2011	NUM
fsr-4224	172	6	)	)	PUNCT
fsr-4224	172	7	identified	identify	VERB
fsr-4224	172	8	it	it	PRON
fsr-4224	172	9	as	as	ADP
fsr-4224	172	10	a	a	DET
fsr-4224	172	11	key	key	ADJ
fsr-4224	172	12	predictor	predictor	NOUN
fsr-4224	172	13	of	of	ADP
fsr-4224	172	14	financial	financial	ADJ
fsr-4224	172	15	satisfaction	satisfaction	NOUN
fsr-4224	172	16	and	and	CCONJ
fsr-4224	172	17	effective	effective	ADJ
fsr-4224	172	18	management	management	NOUN
fsr-4224	172	19	.	.	PUNCT
fsr-4224	173	1	therefore	therefore	ADV
fsr-4224	173	2	,	,	PUNCT
fsr-4224	173	3	we	we	PRON
fsr-4224	173	4	conceptualize	conceptualize	VERB
fsr-4224	173	5	that	that	PRON
fsr-4224	173	6	financial	financial	ADJ
fsr-4224	173	7	self	self	NOUN
fsr-4224	173	8	-	-	PUNCT
fsr-4224	173	9	efficacy	efficacy	NOUN
fsr-4224	173	10	plays	play	VERB
fsr-4224	173	11	a	a	DET
fsr-4224	173	12	pivotal	pivotal	ADJ
fsr-4224	173	13	role	role	NOUN
fsr-4224	173	14	in	in	ADP
fsr-4224	173	15	shaping	shape	VERB
fsr-4224	173	16	financial	financial	ADJ
fsr-4224	173	17	behavior	behavior	NOUN
fsr-4224	173	18	by	by	ADP
fsr-4224	173	19	enhancing	enhance	VERB
fsr-4224	173	20	perceived	perceive	VERB
fsr-4224	173	21	behavioral	behavioral	ADJ
fsr-4224	173	22	control	control	NOUN
fsr-4224	173	23	and	and	CCONJ
fsr-4224	173	24	fostering	foster	VERB
fsr-4224	173	25	positive	positive	ADJ
fsr-4224	173	26	financial	financial	ADJ
fsr-4224	173	27	practices	practice	NOUN
fsr-4224	173	28	.	.	PUNCT
fsr-4224	174	1	individuals	individual	NOUN
fsr-4224	174	2	who	who	PRON
fsr-4224	174	3	believe	believe	VERB
fsr-4224	174	4	in	in	ADP
fsr-4224	174	5	their	their	PRON
fsr-4224	174	6	ability	ability	NOUN
fsr-4224	174	7	to	to	PART
fsr-4224	174	8	manage	manage	VERB
fsr-4224	174	9	finances	finance	NOUN
fsr-4224	174	10	are	be	AUX
fsr-4224	174	11	more	more	ADV
fsr-4224	174	12	likely	likely	ADJ
fsr-4224	174	13	to	to	PART
fsr-4224	174	14	adopt	adopt	VERB
fsr-4224	174	15	behaviors	behavior	NOUN
fsr-4224	174	16	conducive	conducive	ADJ
fsr-4224	174	17	to	to	ADP
fsr-4224	174	18	financial	financial	ADJ
fsr-4224	174	19	well	well	NOUN
fsr-4224	174	20	-	-	PUNCT
fsr-4224	174	21	being	being	NOUN
fsr-4224	174	22	.	.	PUNCT
fsr-4224	175	1	consequently	consequently	ADV
fsr-4224	175	2	,	,	PUNCT
fsr-4224	175	3	we	we	PRON
fsr-4224	175	4	propose	propose	VERB
fsr-4224	175	5	the	the	DET
fsr-4224	175	6	following	follow	VERB
fsr-4224	175	7	hypothesis	hypothesis	NOUN
fsr-4224	175	8	:	:	PUNCT
fsr-4224	175	9	h5	h5	PROPN
fsr-4224	175	10	:	:	PUNCT
fsr-4224	175	11	financial	financial	ADJ
fsr-4224	175	12	self	self	NOUN
fsr-4224	175	13	-	-	PUNCT
fsr-4224	175	14	efficacy	efficacy	NOUN
fsr-4224	175	15	has	have	VERB
fsr-4224	175	16	a	a	DET
fsr-4224	175	17	positive	positive	ADJ
fsr-4224	175	18	and	and	CCONJ
fsr-4224	175	19	significant	significant	ADJ
fsr-4224	175	20	effect	effect	NOUN
fsr-4224	175	21	on	on	ADP
fsr-4224	175	22	fmb	fmb	PROPN
fsr-4224	175	23	.	.	PUNCT
fsr-4224	175	24	methodology	methodology	NOUN
fsr-4224	175	25	participants	participant	NOUN
fsr-4224	175	26	and	and	CCONJ
fsr-4224	175	27	sample	sample	NOUN
fsr-4224	175	28	design	design	NOUN
fsr-4224	175	29	we	we	PRON
fsr-4224	175	30	employed	employ	VERB
fsr-4224	175	31	a	a	DET
fsr-4224	175	32	homogeneous	homogeneous	ADJ
fsr-4224	175	33	convenience	convenience	NOUN
fsr-4224	175	34	sampling	sampling	NOUN
fsr-4224	175	35	technique	technique	NOUN
fsr-4224	175	36	,	,	PUNCT
fsr-4224	175	37	to	to	PART
fsr-4224	175	38	specifically	specifically	ADV
fsr-4224	175	39	target	target	VERB
fsr-4224	175	40	university	university	NOUN
fsr-4224	175	41	students	student	NOUN
fsr-4224	175	42	in	in	ADP
fsr-4224	175	43	poland	poland	PROPN
fsr-4224	175	44	under	under	ADP
fsr-4224	175	45	the	the	DET
fsr-4224	175	46	age	age	NOUN
fsr-4224	175	47	of	of	ADP
fsr-4224	175	48	29	29	NUM
fsr-4224	175	49	.	.	PUNCT
fsr-4224	176	1	this	this	DET
fsr-4224	176	2	approach	approach	NOUN
fsr-4224	176	3	aimed	aim	VERB
fsr-4224	176	4	to	to	PART
fsr-4224	176	5	minimize	minimize	VERB
fsr-4224	176	6	sociodemographic	sociodemographic	ADJ
fsr-4224	176	7	variability	variability	NOUN
fsr-4224	176	8	,	,	PUNCT
fsr-4224	176	9	thereby	thereby	ADV
fsr-4224	176	10	enhancing	enhance	VERB
fsr-4224	176	11	the	the	DET
fsr-4224	176	12	generalizability	generalizability	NOUN
fsr-4224	176	13	of	of	ADP
fsr-4224	176	14	the	the	DET
fsr-4224	176	15	sample	sample	NOUN
fsr-4224	176	16	and	and	CCONJ
fsr-4224	176	17	reducing	reduce	VERB
fsr-4224	176	18	potential	potential	ADJ
fsr-4224	176	19	sampling	sample	VERB
fsr-4224	176	20	bias	bias	NOUN
fsr-4224	176	21	(	(	PUNCT
fsr-4224	176	22	mason	mason	PROPN
fsr-4224	176	23	et	et	PROPN
fsr-4224	176	24	al	al	PROPN
fsr-4224	176	25	.	.	PROPN
fsr-4224	176	26	,	,	PUNCT
fsr-4224	176	27	2023	2023	NUM
fsr-4224	176	28	)	)	PUNCT
fsr-4224	176	29	.	.	PUNCT
fsr-4224	177	1	an	an	DET
fsr-4224	177	2	online	online	ADJ
fsr-4224	177	3	survey	survey	NOUN
fsr-4224	177	4	questionnaire	questionnaire	NOUN
fsr-4224	177	5	was	be	AUX
fsr-4224	177	6	distributed	distribute	VERB
fsr-4224	177	7	among	among	ADP
fsr-4224	177	8	business	business	NOUN
fsr-4224	177	9	and	and	CCONJ
fsr-4224	177	10	management	management	NOUN
fsr-4224	177	11	students	student	NOUN
fsr-4224	177	12	across	across	ADP
fsr-4224	177	13	three	three	NUM
fsr-4224	177	14	universities	university	NOUN
fsr-4224	177	15	in	in	ADP
fsr-4224	177	16	poland	poland	PROPN
fsr-4224	177	17	,	,	PUNCT
fsr-4224	177	18	located	locate	VERB
fsr-4224	177	19	in	in	ADP
fsr-4224	177	20	the	the	DET
fsr-4224	177	21	capital	capital	NOUN
fsr-4224	177	22	,	,	PUNCT
fsr-4224	177	23	the	the	DET
fsr-4224	177	24	northeastern	northeastern	ADJ
fsr-4224	177	25	region	region	NOUN
fsr-4224	177	26	,	,	PUNCT
fsr-4224	177	27	and	and	CCONJ
fsr-4224	177	28	the	the	DET
fsr-4224	177	29	west	west	ADJ
fsr-4224	177	30	-	-	PUNCT
fsr-4224	177	31	central	central	ADJ
fsr-4224	177	32	region	region	NOUN
fsr-4224	177	33	.	.	PUNCT
fsr-4224	178	1	the	the	DET
fsr-4224	178	2	survey	survey	NOUN
fsr-4224	178	3	was	be	AUX
fsr-4224	178	4	conducted	conduct	VERB
fsr-4224	178	5	between	between	ADP
fsr-4224	178	6	may	may	PROPN
fsr-4224	178	7	and	and	CCONJ
fsr-4224	178	8	july	july	PROPN
fsr-4224	178	9	2024	2024	NUM
fsr-4224	178	10	.	.	PUNCT
fsr-4224	179	1	measures	measure	NOUN
fsr-4224	179	2	to	to	PART
fsr-4224	179	3	measure	measure	VERB
fsr-4224	179	4	fmb	fmb	PROPN
fsr-4224	179	5	,	,	PUNCT
fsr-4224	179	6	we	we	PRON
fsr-4224	179	7	adapted	adapt	VERB
fsr-4224	179	8	15	15	NUM
fsr-4224	179	9	items	item	NOUN
fsr-4224	179	10	from	from	ADP
fsr-4224	179	11	jorgensen	jorgensen	PROPN
fsr-4224	179	12	(	(	PUNCT
fsr-4224	179	13	2007	2007	NUM
fsr-4224	179	14	)	)	PUNCT
fsr-4224	179	15	,	,	PUNCT
fsr-4224	179	16	rated	rate	VERB
fsr-4224	179	17	on	on	ADP
fsr-4224	179	18	a	a	DET
fsr-4224	179	19	5	5	NUM
fsr-4224	179	20	-	-	PUNCT
fsr-4224	179	21	point	point	NOUN
fsr-4224	179	22	likert	likert	ADJ
fsr-4224	179	23	scale	scale	NOUN
fsr-4224	179	24	ranging	range	VERB
fsr-4224	179	25	from	from	ADP
fsr-4224	179	26	1	1	NUM
fsr-4224	179	27	(	(	PUNCT
fsr-4224	179	28	not	not	PART
fsr-4224	179	29	at	at	ADV
fsr-4224	179	30	all	all	ADV
fsr-4224	179	31	true	true	ADJ
fsr-4224	179	32	for	for	ADP
fsr-4224	179	33	me	i	PRON
fsr-4224	179	34	)	)	PUNCT
fsr-4224	179	35	to	to	ADP
fsr-4224	179	36	5	5	NUM
fsr-4224	179	37	(	(	PUNCT
fsr-4224	179	38	very	very	ADV
fsr-4224	179	39	true	true	ADJ
fsr-4224	179	40	for	for	ADP
fsr-4224	179	41	me	i	PRON
fsr-4224	179	42	)	)	PUNCT
fsr-4224	179	43	.	.	PUNCT
fsr-4224	180	1	financial	financial	ADJ
fsr-4224	180	2	attitude	attitude	NOUN
fsr-4224	180	3	was	be	AUX
fsr-4224	180	4	assessed	assess	VERB
fsr-4224	180	5	using	use	VERB
fsr-4224	180	6	15	15	NUM
fsr-4224	180	7	perceptual	perceptual	ADJ
fsr-4224	180	8	items	item	NOUN
fsr-4224	180	9	from	from	ADP
fsr-4224	180	10	jorgensen	jorgensen	PROPN
fsr-4224	180	11	's	's	PART
fsr-4224	180	12	"	"	PUNCT
fsr-4224	180	13	college	college	NOUN
fsr-4224	180	14	students	student	NOUN
fsr-4224	180	15	financial	financial	ADJ
fsr-4224	180	16	survey	survey	NOUN
fsr-4224	180	17	"	"	PUNCT
fsr-4224	180	18	(	(	PUNCT
fsr-4224	180	19	2007	2007	NUM
fsr-4224	180	20	)	)	PUNCT
fsr-4224	180	21	,	,	PUNCT
fsr-4224	180	22	also	also	ADV
fsr-4224	180	23	rated	rate	VERB
fsr-4224	180	24	on	on	ADP
fsr-4224	180	25	a	a	DET
fsr-4224	180	26	5	5	NUM
fsr-4224	180	27	-	-	PUNCT
fsr-4224	180	28	point	point	NOUN
fsr-4224	180	29	likert	likert	ADJ
fsr-4224	180	30	scale	scale	NOUN
fsr-4224	180	31	.	.	PUNCT
fsr-4224	181	1	financial	financial	ADJ
fsr-4224	181	2	self	self	NOUN
fsr-4224	181	3	-	-	PUNCT
fsr-4224	181	4	efficacy	efficacy	NOUN
fsr-4224	181	5	was	be	AUX
fsr-4224	181	6	measured	measure	VERB
fsr-4224	181	7	with	with	ADP
fsr-4224	181	8	six	six	NUM
fsr-4224	181	9	items	item	NOUN
fsr-4224	181	10	from	from	ADP
fsr-4224	181	11	farrell	farrell	PROPN
fsr-4224	181	12	et	et	PROPN
fsr-4224	181	13	al	al	PROPN
fsr-4224	181	14	.	.	PROPN
fsr-4224	182	1	(	(	PUNCT
fsr-4224	182	2	2016	2016	NUM
fsr-4224	182	3	)	)	PUNCT
fsr-4224	182	4	,	,	PUNCT
fsr-4224	182	5	using	use	VERB
fsr-4224	182	6	a	a	DET
fsr-4224	182	7	5	5	NUM
fsr-4224	182	8	-	-	PUNCT
fsr-4224	182	9	point	point	NOUN
fsr-4224	182	10	likert	likert	ADJ
fsr-4224	182	11	scale	scale	NOUN
fsr-4224	182	12	ranging	range	VERB
fsr-4224	182	13	from	from	ADP
fsr-4224	182	14	1	1	NUM
fsr-4224	182	15	(	(	PUNCT
fsr-4224	182	16	strongly	strongly	ADV
fsr-4224	182	17	disagree	disagree	VERB
fsr-4224	182	18	)	)	PUNCT
fsr-4224	182	19	to	to	ADP
fsr-4224	182	20	5	5	NUM
fsr-4224	182	21	(	(	PUNCT
fsr-4224	182	22	strongly	strongly	ADV
fsr-4224	182	23	agree	agree	VERB
fsr-4224	182	24	)	)	PUNCT
fsr-4224	182	25	.	.	PUNCT
fsr-4224	183	1	family	family	NOUN
fsr-4224	183	2	financial	financial	ADJ
fsr-4224	183	3	socialization	socialization	NOUN
fsr-4224	183	4	was	be	AUX
fsr-4224	183	5	evaluated	evaluate	VERB
fsr-4224	183	6	using	use	VERB
fsr-4224	183	7	a	a	DET
fsr-4224	183	8	five	five	NUM
fsr-4224	183	9	-	-	PUNCT
fsr-4224	183	10	item	item	NOUN
fsr-4224	183	11	scale	scale	NOUN
fsr-4224	183	12	adapted	adapt	VERB
fsr-4224	183	13	from	from	ADP
fsr-4224	183	14	zhao	zhao	PROPN
fsr-4224	183	15	and	and	CCONJ
fsr-4224	183	16	zhang	zhang	PROPN
fsr-4224	183	17	(	(	PUNCT
fsr-4224	183	18	2020	2020	NUM
fsr-4224	183	19	)	)	PUNCT
fsr-4224	183	20	,	,	PUNCT
fsr-4224	183	21	rated	rate	VERB
fsr-4224	183	22	on	on	ADP
fsr-4224	183	23	a	a	DET
fsr-4224	183	24	5	5	NUM
fsr-4224	183	25	-	-	PUNCT
fsr-4224	183	26	point	point	NOUN
fsr-4224	183	27	likert	likert	ADJ
fsr-4224	183	28	scale	scale	NOUN
fsr-4224	183	29	from	from	ADP
fsr-4224	183	30	1	1	NUM
fsr-4224	183	31	(	(	PUNCT
fsr-4224	183	32	strongly	strongly	ADV
fsr-4224	183	33	disagree	disagree	VERB
fsr-4224	183	34	)	)	PUNCT
fsr-4224	183	35	to	to	ADP
fsr-4224	183	36	5	5	NUM
fsr-4224	183	37	(	(	PUNCT
fsr-4224	183	38	strongly	strongly	ADV
fsr-4224	183	39	agree	agree	VERB
fsr-4224	183	40	)	)	PUNCT
fsr-4224	183	41	.	.	PUNCT
fsr-4224	184	1	peer	peer	NOUN
fsr-4224	184	2	influence	influence	NOUN
fsr-4224	184	3	was	be	AUX
fsr-4224	184	4	assessed	assess	VERB
fsr-4224	184	5	using	use	VERB
fsr-4224	184	6	a	a	DET
fsr-4224	184	7	self	self	NOUN
fsr-4224	184	8	-	-	PUNCT
fsr-4224	184	9	developed	develop	VERB
fsr-4224	184	10	questionnaire	questionnaire	NOUN
fsr-4224	184	11	covering	cover	VERB
fsr-4224	184	12	various	various	ADJ
fsr-4224	184	13	aspects	aspect	NOUN
fsr-4224	184	14	of	of	ADP
fsr-4224	184	15	personal	personal	ADJ
fsr-4224	184	16	finance	finance	NOUN
fsr-4224	184	17	,	,	PUNCT
fsr-4224	184	18	including	include	VERB
fsr-4224	184	19	saving	save	VERB
fsr-4224	184	20	habits	habit	NOUN
fsr-4224	184	21	,	,	PUNCT
fsr-4224	184	22	investment	investment	NOUN
fsr-4224	184	23	decisions	decision	NOUN
fsr-4224	184	24	,	,	PUNCT
fsr-4224	184	25	spending	spending	NOUN
fsr-4224	184	26	behaviors	behavior	NOUN
fsr-4224	184	27	,	,	PUNCT
fsr-4224	184	28	borrowing	borrowing	NOUN
fsr-4224	184	29	and	and	CCONJ
fsr-4224	184	30	lending	lending	NOUN
fsr-4224	184	31	practices	practice	NOUN
fsr-4224	184	32	,	,	PUNCT
fsr-4224	184	33	and	and	CCONJ
fsr-4224	184	34	attitudes	attitude	NOUN
fsr-4224	184	35	toward	toward	ADP
fsr-4224	184	36	financial	financial	ADJ
fsr-4224	184	37	planning	planning	NOUN
fsr-4224	184	38	.	.	PUNCT
fsr-4224	185	1	each	each	PRON
fsr-4224	185	2	of	of	ADP
fsr-4224	185	3	the	the	DET
fsr-4224	185	4	six	six	NUM
fsr-4224	185	5	items	item	NOUN
fsr-4224	185	6	was	be	AUX
fsr-4224	185	7	rated	rate	VERB
fsr-4224	185	8	on	on	ADP
fsr-4224	185	9	a	a	DET
fsr-4224	185	10	5	5	NUM
fsr-4224	185	11	-	-	PUNCT
fsr-4224	185	12	point	point	NOUN
fsr-4224	185	13	likert	likert	ADJ
fsr-4224	185	14	scale	scale	NOUN
fsr-4224	185	15	,	,	PUNCT
fsr-4224	185	16	ranging	range	VERB
fsr-4224	185	17	from	from	ADP
fsr-4224	185	18	1	1	NUM
fsr-4224	185	19	(	(	PUNCT
fsr-4224	185	20	strongly	strongly	ADV
fsr-4224	185	21	disagree	disagree	VERB
fsr-4224	185	22	)	)	PUNCT
fsr-4224	185	23	to	to	ADP
fsr-4224	185	24	5	5	NUM
fsr-4224	185	25	(	(	PUNCT
fsr-4224	185	26	strongly	strongly	ADV
fsr-4224	185	27	agree	agree	VERB
fsr-4224	185	28	)	)	PUNCT
fsr-4224	185	29	.	.	PUNCT
fsr-4224	186	1	to	to	PART
fsr-4224	186	2	measure	measure	VERB
fsr-4224	186	3	subjective	subjective	ADJ
fsr-4224	186	4	financial	financial	ADJ
fsr-4224	186	5	knowledge	knowledge	NOUN
fsr-4224	186	6	,	,	PUNCT
fsr-4224	186	7	we	we	PRON
fsr-4224	186	8	developed	develop	VERB
fsr-4224	186	9	eight	eight	NUM
fsr-4224	186	10	questions	question	NOUN
fsr-4224	186	11	based	base	VERB
fsr-4224	186	12	on	on	ADP
fsr-4224	186	13	a	a	DET
fsr-4224	186	14	review	review	NOUN
fsr-4224	186	15	of	of	ADP
fsr-4224	186	16	the	the	DET
fsr-4224	186	17	financial	financial	ADJ
fsr-4224	186	18	literacy	literacy	NOUN
fsr-4224	186	19	literature	literature	NOUN
fsr-4224	186	20	(	(	PUNCT
fsr-4224	186	21	deenanath	deenanath	NOUN
fsr-4224	186	22	et	et	PROPN
fsr-4224	186	23	al	al	PROPN
fsr-4224	186	24	.	.	PROPN
fsr-4224	186	25	,	,	PUNCT
fsr-4224	186	26	2019	2019	NUM
fsr-4224	186	27	)	)	PUNCT
fsr-4224	186	28	.	.	PUNCT
fsr-4224	187	1	these	these	DET
fsr-4224	187	2	questions	question	NOUN
fsr-4224	187	3	assessed	assess	VERB
fsr-4224	187	4	perceptions	perception	NOUN
fsr-4224	187	5	across	across	ADP
fsr-4224	187	6	budgeting	budgeting	NOUN
fsr-4224	187	7	,	,	PUNCT
fsr-4224	187	8	investing	investing	NOUN
fsr-4224	187	9	,	,	PUNCT
fsr-4224	187	10	loans	loan	NOUN
fsr-4224	187	11	and	and	CCONJ
fsr-4224	187	12	debt	debt	NOUN
fsr-4224	187	13	management	management	NOUN
fsr-4224	187	14	,	,	PUNCT
fsr-4224	187	15	financial	financial	ADJ
fsr-4224	187	16	security	security	NOUN
fsr-4224	187	17	,	,	PUNCT
fsr-4224	187	18	financial	financial	ADJ
fsr-4224	187	19	communication	communication	NOUN
fsr-4224	187	20	,	,	PUNCT
fsr-4224	187	21	risk	risk	NOUN
fsr-4224	187	22	ahamed	ahamed	PROPN
fsr-4224	187	23	et	et	PROPN
fsr-4224	187	24	al	al	PROPN
fsr-4224	187	25	.	.	PROPN
fsr-4224	187	26	171	171	NUM
fsr-4224	187	27	management	management	NOUN
fsr-4224	187	28	,	,	PUNCT
fsr-4224	187	29	interest	interest	NOUN
fsr-4224	187	30	rates	rate	NOUN
fsr-4224	187	31	,	,	PUNCT
fsr-4224	187	32	and	and	CCONJ
fsr-4224	187	33	insurance	insurance	NOUN
fsr-4224	187	34	,	,	PUNCT
fsr-4224	187	35	using	use	VERB
fsr-4224	187	36	a	a	DET
fsr-4224	187	37	5	5	NUM
fsr-4224	187	38	-	-	PUNCT
fsr-4224	187	39	point	point	NOUN
fsr-4224	187	40	likert	likert	ADJ
fsr-4224	187	41	scale	scale	NOUN
fsr-4224	187	42	from	from	ADP
fsr-4224	187	43	1	1	NUM
fsr-4224	187	44	(	(	PUNCT
fsr-4224	187	45	strongly	strongly	ADV
fsr-4224	187	46	disagree	disagree	VERB
fsr-4224	187	47	)	)	PUNCT
fsr-4224	187	48	to	to	ADP
fsr-4224	187	49	5	5	NUM
fsr-4224	187	50	(	(	PUNCT
fsr-4224	187	51	strongly	strongly	ADV
fsr-4224	187	52	agree	agree	VERB
fsr-4224	187	53	)	)	PUNCT
fsr-4224	187	54	.	.	PUNCT
fsr-4224	188	1	the	the	DET
fsr-4224	188	2	detailed	detailed	ADJ
fsr-4224	188	3	measurement	measurement	NOUN
fsr-4224	188	4	items	item	NOUN
fsr-4224	188	5	can	can	AUX
fsr-4224	188	6	be	be	AUX
fsr-4224	188	7	found	find	VERB
fsr-4224	188	8	in	in	ADP
fsr-4224	188	9	appendix	appendix	NOUN
fsr-4224	188	10	1	1	NUM
fsr-4224	188	11	.	.	PUNCT
fsr-4224	189	1	analysis	analysis	NOUN
fsr-4224	189	2	and	and	CCONJ
fsr-4224	189	3	results	result	VERB
fsr-4224	189	4	sample	sample	NOUN
fsr-4224	189	5	profile	profile	NOUN
fsr-4224	189	6	after	after	ADP
fsr-4224	189	7	excluding	exclude	VERB
fsr-4224	189	8	incomplete	incomplete	ADJ
fsr-4224	189	9	responses	response	NOUN
fsr-4224	189	10	and	and	CCONJ
fsr-4224	189	11	addressing	address	VERB
fsr-4224	189	12	missing	miss	VERB
fsr-4224	189	13	data	datum	NOUN
fsr-4224	189	14	,	,	PUNCT
fsr-4224	189	15	the	the	DET
fsr-4224	189	16	final	final	ADJ
fsr-4224	189	17	usable	usable	ADJ
fsr-4224	189	18	sample	sample	NOUN
fsr-4224	189	19	comprised	comprise	VERB
fsr-4224	189	20	340	340	NUM
fsr-4224	189	21	responses	response	NOUN
fsr-4224	189	22	,	,	PUNCT
fsr-4224	189	23	with	with	ADP
fsr-4224	189	24	a	a	DET
fsr-4224	189	25	median	median	ADJ
fsr-4224	189	26	age	age	NOUN
fsr-4224	189	27	of	of	ADP
fsr-4224	189	28	22	22	NUM
fsr-4224	189	29	years	year	NOUN
fsr-4224	189	30	.	.	PUNCT
fsr-4224	190	1	the	the	DET
fsr-4224	190	2	sample	sample	NOUN
fsr-4224	190	3	profile	profile	NOUN
fsr-4224	190	4	consisted	consist	VERB
fsr-4224	190	5	of	of	ADP
fsr-4224	190	6	340	340	NUM
fsr-4224	190	7	respondents	respondent	NOUN
fsr-4224	190	8	,	,	PUNCT
fsr-4224	190	9	with	with	ADP
fsr-4224	190	10	a	a	DET
fsr-4224	190	11	median	median	ADJ
fsr-4224	190	12	age	age	NOUN
fsr-4224	190	13	of	of	ADP
fsr-4224	190	14	22	22	NUM
fsr-4224	190	15	years	year	NOUN
fsr-4224	190	16	.	.	PUNCT
fsr-4224	191	1	as	as	SCONJ
fsr-4224	191	2	the	the	DET
fsr-4224	191	3	table-1	table-1	PROPN
fsr-4224	191	4	below	below	ADV
fsr-4224	191	5	indicates	indicate	VERB
fsr-4224	191	6	,	,	PUNCT
fsr-4224	191	7	the	the	DET
fsr-4224	191	8	majority	majority	NOUN
fsr-4224	191	9	of	of	ADP
fsr-4224	191	10	participants	participant	NOUN
fsr-4224	191	11	were	be	AUX
fsr-4224	191	12	female	female	ADJ
fsr-4224	191	13	(	(	PUNCT
fsr-4224	191	14	64.7	64.7	NUM
fsr-4224	191	15	%	%	NOUN
fsr-4224	191	16	)	)	PUNCT
fsr-4224	191	17	,	,	PUNCT
fsr-4224	191	18	followed	follow	VERB
fsr-4224	191	19	by	by	ADP
fsr-4224	191	20	male	male	NOUN
fsr-4224	191	21	(	(	PUNCT
fsr-4224	191	22	34.7	34.7	NUM
fsr-4224	191	23	%	%	NOUN
fsr-4224	191	24	)	)	PUNCT
fsr-4224	191	25	,	,	PUNCT
fsr-4224	191	26	and	and	CCONJ
fsr-4224	191	27	a	a	DET
fsr-4224	191	28	small	small	ADJ
fsr-4224	191	29	proportion	proportion	NOUN
fsr-4224	191	30	who	who	PRON
fsr-4224	191	31	preferred	prefer	VERB
fsr-4224	191	32	not	not	PART
fsr-4224	191	33	to	to	PART
fsr-4224	191	34	disclose	disclose	VERB
fsr-4224	191	35	their	their	PRON
fsr-4224	191	36	gender	gender	NOUN
fsr-4224	191	37	(	(	PUNCT
fsr-4224	191	38	0.6	0.6	NUM
fsr-4224	191	39	%	%	NOUN
fsr-4224	191	40	)	)	PUNCT
fsr-4224	191	41	.	.	PUNCT
fsr-4224	192	1	in	in	ADP
fsr-4224	192	2	terms	term	NOUN
fsr-4224	192	3	of	of	ADP
fsr-4224	192	4	academic	academic	ADJ
fsr-4224	192	5	standing	standing	NOUN
fsr-4224	192	6	,	,	PUNCT
fsr-4224	192	7	the	the	DET
fsr-4224	192	8	sample	sample	NOUN
fsr-4224	192	9	included	include	VERB
fsr-4224	192	10	first	first	ADJ
fsr-4224	192	11	-	-	PUNCT
fsr-4224	192	12	year	year	NOUN
fsr-4224	192	13	(	(	PUNCT
fsr-4224	192	14	27.9	27.9	NUM
fsr-4224	192	15	%	%	NOUN
fsr-4224	192	16	)	)	PUNCT
fsr-4224	192	17	,	,	PUNCT
fsr-4224	192	18	second	second	ADJ
fsr-4224	192	19	-	-	PUNCT
fsr-4224	192	20	year	year	NOUN
fsr-4224	192	21	(	(	PUNCT
fsr-4224	192	22	22.6	22.6	NUM
fsr-4224	192	23	%	%	NOUN
fsr-4224	192	24	)	)	PUNCT
fsr-4224	192	25	,	,	PUNCT
fsr-4224	192	26	third	third	ADJ
fsr-4224	192	27	-	-	PUNCT
fsr-4224	192	28	year	year	NOUN
fsr-4224	192	29	(	(	PUNCT
fsr-4224	192	30	21.2	21.2	NUM
fsr-4224	192	31	%	%	NOUN
fsr-4224	192	32	)	)	PUNCT
fsr-4224	192	33	,	,	PUNCT
fsr-4224	192	34	and	and	CCONJ
fsr-4224	192	35	postgraduate	postgraduate	VERB
fsr-4224	192	36	students	student	NOUN
fsr-4224	192	37	(	(	PUNCT
fsr-4224	192	38	28.2	28.2	NUM
fsr-4224	192	39	%	%	NOUN
fsr-4224	192	40	)	)	PUNCT
fsr-4224	192	41	.	.	PUNCT
fsr-4224	193	1	most	most	ADJ
fsr-4224	193	2	respondents	respondent	NOUN
fsr-4224	193	3	were	be	AUX
fsr-4224	193	4	single	single	ADJ
fsr-4224	193	5	or	or	CCONJ
fsr-4224	193	6	in	in	ADP
fsr-4224	193	7	a	a	DET
fsr-4224	193	8	relationship	relationship	NOUN
fsr-4224	193	9	(	(	PUNCT
fsr-4224	193	10	96.8	96.8	NUM
fsr-4224	193	11	%	%	NOUN
fsr-4224	193	12	)	)	PUNCT
fsr-4224	193	13	,	,	PUNCT
fsr-4224	193	14	while	while	SCONJ
fsr-4224	193	15	a	a	DET
fsr-4224	193	16	small	small	ADJ
fsr-4224	193	17	percentage	percentage	NOUN
fsr-4224	193	18	were	be	AUX
fsr-4224	193	19	married	marry	VERB
fsr-4224	193	20	(	(	PUNCT
fsr-4224	193	21	2.9	2.9	NUM
fsr-4224	193	22	%	%	NOUN
fsr-4224	193	23	)	)	PUNCT
fsr-4224	193	24	or	or	CCONJ
fsr-4224	193	25	identified	identify	VERB
fsr-4224	193	26	as	as	ADP
fsr-4224	193	27	"	"	PUNCT
fsr-4224	193	28	other	other	ADJ
fsr-4224	193	29	"	"	PUNCT
fsr-4224	193	30	(	(	PUNCT
fsr-4224	193	31	0.3	0.3	NUM
fsr-4224	193	32	%	%	NOUN
fsr-4224	193	33	)	)	PUNCT
fsr-4224	193	34	.	.	PUNCT
fsr-4224	194	1	regarding	regard	VERB
fsr-4224	194	2	work	work	NOUN
fsr-4224	194	3	experience	experience	NOUN
fsr-4224	194	4	,	,	PUNCT
fsr-4224	194	5	17.4	17.4	NUM
fsr-4224	194	6	%	%	NOUN
fsr-4224	194	7	had	have	VERB
fsr-4224	194	8	no	no	DET
fsr-4224	194	9	prior	prior	ADJ
fsr-4224	194	10	experience	experience	NOUN
fsr-4224	194	11	,	,	PUNCT
fsr-4224	194	12	31.5	31.5	NUM
fsr-4224	194	13	%	%	NOUN
fsr-4224	194	14	had	have	VERB
fsr-4224	194	15	less	less	ADJ
fsr-4224	194	16	than	than	ADP
fsr-4224	194	17	two	two	NUM
fsr-4224	194	18	years	year	NOUN
fsr-4224	194	19	,	,	PUNCT
fsr-4224	194	20	25.9	25.9	NUM
fsr-4224	194	21	%	%	NOUN
fsr-4224	194	22	had	have	VERB
fsr-4224	194	23	two	two	NUM
fsr-4224	194	24	to	to	PART
fsr-4224	194	25	less	less	ADJ
fsr-4224	194	26	than	than	ADP
fsr-4224	194	27	four	four	NUM
fsr-4224	194	28	years	year	NOUN
fsr-4224	194	29	,	,	PUNCT
fsr-4224	194	30	15.6	15.6	NUM
fsr-4224	194	31	%	%	NOUN
fsr-4224	194	32	had	have	VERB
fsr-4224	194	33	four	four	NUM
fsr-4224	194	34	to	to	PART
fsr-4224	194	35	less	less	ADJ
fsr-4224	194	36	than	than	ADP
fsr-4224	194	37	six	six	NUM
fsr-4224	194	38	years	year	NOUN
fsr-4224	194	39	,	,	PUNCT
fsr-4224	194	40	and	and	CCONJ
fsr-4224	194	41	9.7	9.7	NUM
fsr-4224	194	42	%	%	NOUN
fsr-4224	194	43	had	have	VERB
fsr-4224	194	44	six	six	NUM
fsr-4224	194	45	years	year	NOUN
fsr-4224	194	46	or	or	CCONJ
fsr-4224	194	47	more	more	ADJ
fsr-4224	194	48	.	.	PUNCT
fsr-4224	195	1	housing	housing	NOUN
fsr-4224	195	2	arrangements	arrangement	NOUN
fsr-4224	195	3	varied	varied	ADJ
fsr-4224	195	4	,	,	PUNCT
fsr-4224	195	5	with	with	ADP
fsr-4224	195	6	4.4	4.4	NUM
fsr-4224	195	7	%	%	NOUN
fsr-4224	195	8	living	live	VERB
fsr-4224	195	9	on	on	ADP
fsr-4224	195	10	campus	campus	NOUN
fsr-4224	195	11	,	,	PUNCT
fsr-4224	195	12	47.4	47.4	NUM
fsr-4224	195	13	%	%	NOUN
fsr-4224	195	14	in	in	ADP
fsr-4224	195	15	off	off	ADP
fsr-4224	195	16	-	-	PUNCT
fsr-4224	195	17	campus	campus	NOUN
fsr-4224	195	18	rental	rental	ADJ
fsr-4224	195	19	housing	housing	NOUN
fsr-4224	195	20	,	,	PUNCT
fsr-4224	195	21	14.1	14.1	NUM
fsr-4224	195	22	%	%	NOUN
fsr-4224	195	23	in	in	ADP
fsr-4224	195	24	their	their	PRON
fsr-4224	195	25	own	own	ADJ
fsr-4224	195	26	off	off	ADP
fsr-4224	195	27	-	-	PUNCT
fsr-4224	195	28	campus	campus	NOUN
fsr-4224	195	29	residence	residence	NOUN
fsr-4224	195	30	,	,	PUNCT
fsr-4224	195	31	30.6	30.6	NUM
fsr-4224	195	32	%	%	NOUN
fsr-4224	195	33	living	live	VERB
fsr-4224	195	34	with	with	ADP
fsr-4224	195	35	parents	parent	NOUN
fsr-4224	195	36	or	or	CCONJ
fsr-4224	195	37	relatives	relative	NOUN
fsr-4224	195	38	,	,	PUNCT
fsr-4224	195	39	and	and	CCONJ
fsr-4224	195	40	3.5	3.5	NUM
fsr-4224	195	41	%	%	NOUN
fsr-4224	195	42	in	in	ADP
fsr-4224	195	43	other	other	ADJ
fsr-4224	195	44	types	type	NOUN
fsr-4224	195	45	of	of	ADP
fsr-4224	195	46	arrangements	arrangement	NOUN
fsr-4224	195	47	.	.	PUNCT
fsr-4224	196	1	table	table	NOUN
fsr-4224	196	2	1	1	NUM
fsr-4224	196	3	.	.	PUNCT
fsr-4224	196	4	sample	sample	NOUN
fsr-4224	196	5	profile	profile	NOUN
fsr-4224	196	6	(	(	PUNCT
fsr-4224	196	7	n	n	NOUN
fsr-4224	196	8	=	=	NOUN
fsr-4224	196	9	340	340	NUM
fsr-4224	196	10	)	)	PUNCT
fsr-4224	196	11	frequency	frequency	NOUN
fsr-4224	196	12	%	%	NOUN
fsr-4224	196	13	frequency	frequency	NOUN
fsr-4224	196	14	%	%	NOUN
fsr-4224	196	15	gender	gender	NOUN
fsr-4224	196	16	academic	academic	NOUN
fsr-4224	196	17	standing	stand	VERB
fsr-4224	196	18	male	male	NOUN
fsr-4224	196	19	118	118	NUM
fsr-4224	196	20	34.70	34.70	NUM
fsr-4224	196	21	first	first	ADJ
fsr-4224	196	22	year	year	NOUN
fsr-4224	196	23	95	95	NUM
fsr-4224	196	24	27.90	27.90	NUM
fsr-4224	196	25	female	female	ADJ
fsr-4224	196	26	220	220	NUM
fsr-4224	196	27	64.70	64.70	NUM
fsr-4224	196	28	second	second	ADJ
fsr-4224	196	29	year	year	NOUN
fsr-4224	196	30	77	77	NUM
fsr-4224	196	31	22.60	22.60	NUM
fsr-4224	196	32	prefer	prefer	VERB
fsr-4224	196	33	not	not	PART
fsr-4224	196	34	to	to	PART
fsr-4224	196	35	disclose	disclose	VERB
fsr-4224	196	36	2	2	NUM
fsr-4224	196	37	0.60	0.60	NUM
fsr-4224	196	38	third	third	ADJ
fsr-4224	196	39	year	year	NOUN
fsr-4224	196	40	72	72	NUM
fsr-4224	196	41	21.20	21.20	NUM
fsr-4224	196	42	post	post	NOUN
fsr-4224	196	43	graduate	graduate	NOUN
fsr-4224	196	44	96	96	NUM
fsr-4224	196	45	28.20	28.20	NUM
fsr-4224	196	46	median	median	NOUN
fsr-4224	196	47	age	age	NOUN
fsr-4224	196	48	22	22	NUM
fsr-4224	196	49	years	year	NOUN
fsr-4224	196	50	marital	marital	ADJ
fsr-4224	196	51	status	status	NOUN
fsr-4224	196	52	never	never	ADV
fsr-4224	196	53	been	be	AUX
fsr-4224	196	54	married	married	ADJ
fsr-4224	196	55	/	/	SYM
fsr-4224	196	56	single	single	ADJ
fsr-4224	196	57	/	/	PUNCT
fsr-4224	196	58	in	in	ADP
fsr-4224	196	59	a	a	DET
fsr-4224	196	60	relationship	relationship	NOUN
fsr-4224	196	61	329	329	NUM
fsr-4224	196	62	96.80	96.80	NUM
fsr-4224	196	63	married	marry	VERB
fsr-4224	196	64	10	10	NUM
fsr-4224	196	65	2.90	2.90	NUM
fsr-4224	196	66	other	other	ADJ
fsr-4224	196	67	1	1	NUM
fsr-4224	196	68	0.30	0.30	NUM
fsr-4224	196	69	working	work	VERB
fsr-4224	196	70	experience	experience	NOUN
fsr-4224	196	71	housing	housing	NOUN
fsr-4224	196	72	arrangement	arrangement	NOUN
fsr-4224	196	73	none	none	NOUN
fsr-4224	196	74	59	59	NUM
fsr-4224	196	75	17.40	17.40	NUM
fsr-4224	196	76	on	on	ADP
fsr-4224	196	77	-	-	PUNCT
fsr-4224	196	78	campus	campus	NOUN
fsr-4224	196	79	15	15	NUM
fsr-4224	196	80	4.40	4.40	NUM
fsr-4224	196	81	less	less	ADJ
fsr-4224	196	82	than	than	ADP
fsr-4224	196	83	2	2	NUM
fsr-4224	196	84	years	year	NOUN
fsr-4224	196	85	107	107	NUM
fsr-4224	196	86	31.50	31.50	NUM
fsr-4224	196	87	off	off	ADP
fsr-4224	196	88	-	-	PUNCT
fsr-4224	196	89	campus	campus	NOUN
fsr-4224	196	90	rent	rent	NOUN
fsr-4224	196	91	161	161	NUM
fsr-4224	196	92	47.40	47.40	NUM
fsr-4224	196	93	two	two	NUM
fsr-4224	196	94	to	to	ADP
fsr-4224	196	95	less	less	ADJ
fsr-4224	196	96	than	than	ADP
fsr-4224	196	97	4	4	NUM
fsr-4224	196	98	years	year	NOUN
fsr-4224	196	99	88	88	NUM
fsr-4224	196	100	25.90	25.90	NUM
fsr-4224	196	101	off	off	ADP
fsr-4224	196	102	-	-	PUNCT
fsr-4224	196	103	campus	campus	NOUN
fsr-4224	196	104	own	own	ADJ
fsr-4224	196	105	48	48	NUM
fsr-4224	196	106	14.10	14.10	NUM
fsr-4224	196	107	four	four	NUM
fsr-4224	196	108	to	to	ADP
fsr-4224	196	109	less	less	ADJ
fsr-4224	196	110	than	than	ADP
fsr-4224	196	111	6	6	NUM
fsr-4224	196	112	years	year	NOUN
fsr-4224	196	113	53	53	NUM
fsr-4224	196	114	15.60	15.60	NUM
fsr-4224	196	115	live	live	ADV
fsr-4224	196	116	with	with	ADP
fsr-4224	196	117	parents	parent	NOUN
fsr-4224	196	118	/	/	SYM
fsr-4224	196	119	relatives	relative	NOUN
fsr-4224	196	120	104	104	NUM
fsr-4224	196	121	30.60	30.60	NUM
fsr-4224	196	122	six	six	NUM
fsr-4224	196	123	years	year	NOUN
fsr-4224	196	124	or	or	CCONJ
fsr-4224	196	125	more	more	ADJ
fsr-4224	196	126	33	33	NUM
fsr-4224	196	127	9.70	9.70	NUM
fsr-4224	196	128	other	other	ADJ
fsr-4224	196	129	12	12	NUM
fsr-4224	196	130	3.50	3.50	NUM
fsr-4224	196	131	financial	financial	ADJ
fsr-4224	196	132	services	service	NOUN
fsr-4224	196	133	review	review	NOUN
fsr-4224	196	134	,	,	PUNCT
fsr-4224	196	135	33(4	33(4	NUM
fsr-4224	196	136	)	)	PUNCT
fsr-4224	196	137	172	172	NUM
fsr-4224	196	138	researchers	researcher	NOUN
fsr-4224	196	139	typically	typically	ADV
fsr-4224	196	140	employ	employ	VERB
fsr-4224	196	141	suitable	suitable	ADJ
fsr-4224	196	142	methods	method	NOUN
fsr-4224	196	143	for	for	ADP
fsr-4224	196	144	confirmatory	confirmatory	NOUN
fsr-4224	196	145	and	and	CCONJ
fsr-4224	196	146	exploratory	exploratory	ADJ
fsr-4224	196	147	analysis	analysis	NOUN
fsr-4224	196	148	(	(	PUNCT
fsr-4224	196	149	chanda	chanda	PROPN
fsr-4224	196	150	et	et	PROPN
fsr-4224	196	151	al	al	PROPN
fsr-4224	196	152	.	.	PROPN
fsr-4224	196	153	,	,	PUNCT
fsr-4224	196	154	2023	2023	NUM
fsr-4224	196	155	)	)	PUNCT
fsr-4224	196	156	.	.	PUNCT
fsr-4224	197	1	in	in	ADP
fsr-4224	197	2	this	this	DET
fsr-4224	197	3	study	study	NOUN
fsr-4224	197	4	,	,	PUNCT
fsr-4224	197	5	we	we	PRON
fsr-4224	197	6	utilized	utilize	VERB
fsr-4224	197	7	a	a	DET
fsr-4224	197	8	combined	combined	ADJ
fsr-4224	197	9	approach	approach	NOUN
fsr-4224	197	10	of	of	ADP
fsr-4224	197	11	pls	pls	NOUN
fsr-4224	197	12	-	-	PUNCT
fsr-4224	197	13	sem	sem	NOUN
fsr-4224	197	14	and	and	CCONJ
fsr-4224	197	15	fsqca	fsqca	NOUN
fsr-4224	197	16	to	to	PART
fsr-4224	197	17	verify	verify	VERB
fsr-4224	197	18	the	the	DET
fsr-4224	197	19	theoretical	theoretical	ADJ
fsr-4224	197	20	model	model	NOUN
fsr-4224	197	21	(	(	PUNCT
fsr-4224	197	22	chanda	chanda	PROPN
fsr-4224	197	23	et	et	PROPN
fsr-4224	197	24	al	al	PROPN
fsr-4224	197	25	.	.	PROPN
fsr-4224	197	26	,	,	PUNCT
fsr-4224	197	27	2023	2023	NUM
fsr-4224	197	28	;	;	PUNCT
fsr-4224	197	29	rasoolimanesh	rasoolimanesh	NOUN
fsr-4224	197	30	et	et	PROPN
fsr-4224	197	31	al	al	PROPN
fsr-4224	197	32	.	.	PROPN
fsr-4224	197	33	,	,	PUNCT
fsr-4224	197	34	2021	2021	NUM
fsr-4224	197	35	)	)	PUNCT
fsr-4224	197	36	.	.	PUNCT
fsr-4224	198	1	pls	pls	INTJ
fsr-4224	198	2	-	-	PUNCT
fsr-4224	198	3	sem	sem	NOUN
fsr-4224	198	4	highlights	highlight	NOUN
fsr-4224	198	5	general	general	ADJ
fsr-4224	198	6	tendencies	tendency	NOUN
fsr-4224	198	7	,	,	PUNCT
fsr-4224	198	8	while	while	SCONJ
fsr-4224	198	9	fsqca	fsqca	NOUN
fsr-4224	198	10	uncovers	uncover	NOUN
fsr-4224	198	11	multiple	multiple	ADJ
fsr-4224	198	12	realities	reality	NOUN
fsr-4224	198	13	in	in	ADP
fsr-4224	198	14	achieving	achieve	VERB
fsr-4224	198	15	desirable	desirable	ADJ
fsr-4224	198	16	fmb	fmb	NOUN
fsr-4224	198	17	.	.	PUNCT
fsr-4224	199	1	following	follow	VERB
fsr-4224	199	2	configuration	configuration	NOUN
fsr-4224	199	3	theory	theory	NOUN
fsr-4224	199	4	,	,	PUNCT
fsr-4224	199	5	fsqca	fsqca	PROPN
fsr-4224	199	6	examines	examine	NOUN
fsr-4224	199	7	complex	complex	ADJ
fsr-4224	199	8	,	,	PUNCT
fsr-4224	199	9	non	non	ADJ
fsr-4224	199	10	-	-	ADJ
fsr-4224	199	11	linear	linear	ADJ
fsr-4224	199	12	interplays	interplay	NOUN
fsr-4224	199	13	between	between	ADP
fsr-4224	199	14	elements	element	NOUN
fsr-4224	199	15	.	.	PUNCT
fsr-4224	200	1	this	this	DET
fsr-4224	200	2	study	study	NOUN
fsr-4224	200	3	selected	select	VERB
fsr-4224	200	4	fsqca	fsqca	NOUN
fsr-4224	200	5	along	along	ADP
fsr-4224	200	6	with	with	ADP
fsr-4224	200	7	pls	pls	NOUN
fsr-4224	200	8	-	-	PUNCT
fsr-4224	200	9	sem	sem	NOUN
fsr-4224	200	10	because	because	SCONJ
fsr-4224	200	11	it	it	PRON
fsr-4224	200	12	employs	employ	VERB
fsr-4224	200	13	a	a	DET
fsr-4224	200	14	fuzzy	fuzzy	ADJ
fsr-4224	200	15	(	(	PUNCT
fsr-4224	200	16	continuous	continuous	ADJ
fsr-4224	200	17	)	)	PUNCT
fsr-4224	200	18	scale	scale	NOUN
fsr-4224	200	19	for	for	ADP
fsr-4224	200	20	variables	variable	NOUN
fsr-4224	200	21	rather	rather	ADV
fsr-4224	200	22	than	than	ADP
fsr-4224	200	23	a	a	DET
fsr-4224	200	24	binary	binary	ADJ
fsr-4224	200	25	one	one	NUM
fsr-4224	200	26	,	,	PUNCT
fsr-4224	200	27	contributing	contribute	VERB
fsr-4224	200	28	novel	novel	ADJ
fsr-4224	200	29	insights	insight	NOUN
fsr-4224	200	30	to	to	ADP
fsr-4224	200	31	this	this	DET
fsr-4224	200	32	research	research	NOUN
fsr-4224	200	33	stream	stream	NOUN
fsr-4224	200	34	(	(	PUNCT
fsr-4224	200	35	chanda	chanda	PROPN
fsr-4224	200	36	et	et	PROPN
fsr-4224	200	37	al	al	PROPN
fsr-4224	200	38	.	.	PROPN
fsr-4224	200	39	,	,	PUNCT
fsr-4224	200	40	2023	2023	NUM
fsr-4224	200	41	;	;	PUNCT
fsr-4224	200	42	rasoolimanesh	rasoolimanesh	NOUN
fsr-4224	200	43	et	et	PROPN
fsr-4224	200	44	al	al	PROPN
fsr-4224	200	45	.	.	PROPN
fsr-4224	200	46	,	,	PUNCT
fsr-4224	200	47	2021	2021	NUM
fsr-4224	200	48	)	)	PUNCT
fsr-4224	200	49	.	.	PUNCT
fsr-4224	201	1	assessment	assessment	NOUN
fsr-4224	201	2	of	of	ADP
fsr-4224	201	3	the	the	DET
fsr-4224	201	4	model	model	NOUN
fsr-4224	201	5	using	use	VERB
fsr-4224	201	6	pls	pls	PROPN
fsr-4224	201	7	-	-	PUNCT
fsr-4224	201	8	sem	sem	NOUN
fsr-4224	201	9	assessment	assessment	NOUN
fsr-4224	201	10	of	of	ADP
fsr-4224	201	11	the	the	DET
fsr-4224	201	12	measurement	measurement	NOUN
fsr-4224	201	13	model	model	NOUN
fsr-4224	201	14	to	to	PART
fsr-4224	201	15	evaluate	evaluate	VERB
fsr-4224	201	16	the	the	DET
fsr-4224	201	17	reliability	reliability	NOUN
fsr-4224	201	18	and	and	CCONJ
fsr-4224	201	19	validity	validity	NOUN
fsr-4224	201	20	of	of	ADP
fsr-4224	201	21	the	the	DET
fsr-4224	201	22	measurement	measurement	NOUN
fsr-4224	201	23	model	model	NOUN
fsr-4224	201	24	,	,	PUNCT
fsr-4224	201	25	we	we	PRON
fsr-4224	201	26	employed	employ	VERB
fsr-4224	201	27	smartpls	smartpls	NOUN
fsr-4224	201	28	(	(	PUNCT
fsr-4224	201	29	version	version	NOUN
fsr-4224	201	30	4.1.0.2	4.1.0.2	NUM
fsr-4224	201	31	)	)	PUNCT
fsr-4224	201	32	,	,	PUNCT
fsr-4224	201	33	following	follow	VERB
fsr-4224	201	34	established	establish	VERB
fsr-4224	201	35	practices	practice	NOUN
fsr-4224	201	36	(	(	PUNCT
fsr-4224	201	37	chanda	chanda	PROPN
fsr-4224	201	38	et	et	PROPN
fsr-4224	201	39	al	al	PROPN
fsr-4224	201	40	.	.	PROPN
fsr-4224	201	41	,	,	PUNCT
fsr-4224	201	42	2023	2023	NUM
fsr-4224	201	43	;	;	PUNCT
fsr-4224	201	44	chaouali	chaouali	PROPN
fsr-4224	201	45	et	et	PROPN
fsr-4224	201	46	al	al	PROPN
fsr-4224	201	47	.	.	PROPN
fsr-4224	201	48	,	,	PUNCT
fsr-4224	201	49	2024	2024	NUM
fsr-4224	201	50	)	)	PUNCT
fsr-4224	201	51	.	.	PUNCT
fsr-4224	202	1	the	the	DET
fsr-4224	202	2	analysis	analysis	NOUN
fsr-4224	202	3	demonstrated	demonstrate	VERB
fsr-4224	202	4	satisfactory	satisfactory	ADJ
fsr-4224	202	5	internal	internal	ADJ
fsr-4224	202	6	consistency	consistency	NOUN
fsr-4224	202	7	and	and	CCONJ
fsr-4224	202	8	reliability	reliability	NOUN
fsr-4224	202	9	,	,	PUNCT
fsr-4224	202	10	as	as	SCONJ
fsr-4224	202	11	indicated	indicate	VERB
fsr-4224	202	12	by	by	ADP
fsr-4224	202	13	cronbach	cronbach	NOUN
fsr-4224	202	14	’s	’s	PART
fsr-4224	202	15	alpha	alpha	NOUN
fsr-4224	202	16	and	and	CCONJ
fsr-4224	202	17	composite	composite	ADJ
fsr-4224	202	18	reliability	reliability	NOUN
fsr-4224	202	19	,	,	PUNCT
fsr-4224	202	20	as	as	ADV
fsr-4224	202	21	well	well	ADV
fsr-4224	202	22	as	as	ADP
fsr-4224	202	23	adequate	adequate	ADJ
fsr-4224	202	24	indicator	indicator	NOUN
fsr-4224	202	25	reliability	reliability	NOUN
fsr-4224	202	26	(	(	PUNCT
fsr-4224	202	27	outer	outer	ADJ
fsr-4224	202	28	loadings	loading	NOUN
fsr-4224	202	29	)	)	PUNCT
fsr-4224	202	30	,	,	PUNCT
fsr-4224	202	31	convergent	convergent	NOUN
fsr-4224	202	32	validity	validity	NOUN
fsr-4224	202	33	(	(	PUNCT
fsr-4224	202	34	ave	ave	NOUN
fsr-4224	202	35	)	)	PUNCT
fsr-4224	202	36	,	,	PUNCT
fsr-4224	202	37	and	and	CCONJ
fsr-4224	202	38	discriminant	discriminant	ADJ
fsr-4224	202	39	validity	validity	NOUN
fsr-4224	202	40	(	(	PUNCT
fsr-4224	202	41	htmt	htmt	NOUN
fsr-4224	202	42	and	and	CCONJ
fsr-4224	202	43	fornelllarcker	fornelllarcker	ADJ
fsr-4224	202	44	criterion	criterion	NOUN
fsr-4224	202	45	)	)	PUNCT
fsr-4224	202	46	for	for	ADP
fsr-4224	202	47	most	most	ADJ
fsr-4224	202	48	latent	latent	ADJ
fsr-4224	202	49	constructs	construct	NOUN
fsr-4224	202	50	(	(	PUNCT
fsr-4224	202	51	hair	hair	NOUN
fsr-4224	202	52	jr	jr	PROPN
fsr-4224	202	53	et	et	PROPN
fsr-4224	202	54	al	al	PROPN
fsr-4224	202	55	.	.	PROPN
fsr-4224	202	56	,	,	PUNCT
fsr-4224	202	57	2014	2014	NUM
fsr-4224	202	58	)	)	PUNCT
fsr-4224	202	59	.	.	PUNCT
fsr-4224	203	1	while	while	SCONJ
fsr-4224	203	2	cronbach	cronbach	VERB
fsr-4224	203	3	’s	’s	PART
fsr-4224	203	4	alpha	alpha	NOUN
fsr-4224	203	5	for	for	ADP
fsr-4224	203	6	financial	financial	ADJ
fsr-4224	203	7	attitude	attitude	NOUN
fsr-4224	203	8	(	(	PUNCT
fsr-4224	203	9	0.64	0.64	NUM
fsr-4224	203	10	)	)	PUNCT
fsr-4224	203	11	and	and	CCONJ
fsr-4224	203	12	aves	ave	NOUN
fsr-4224	203	13	for	for	ADP
fsr-4224	203	14	financial	financial	ADJ
fsr-4224	203	15	behavior	behavior	NOUN
fsr-4224	203	16	and	and	CCONJ
fsr-4224	203	17	financial	financial	ADJ
fsr-4224	203	18	self	self	NOUN
fsr-4224	203	19	-	-	PUNCT
fsr-4224	203	20	efficacy	efficacy	NOUN
fsr-4224	203	21	fell	fall	VERB
fsr-4224	203	22	slightly	slightly	ADV
fsr-4224	203	23	below	below	ADP
fsr-4224	203	24	the	the	DET
fsr-4224	203	25	conventional	conventional	ADJ
fsr-4224	203	26	thresholds	threshold	NOUN
fsr-4224	203	27	of	of	ADP
fsr-4224	203	28	0.70	0.70	NUM
fsr-4224	203	29	and	and	CCONJ
fsr-4224	203	30	0.50	0.50	NUM
fsr-4224	203	31	,	,	PUNCT
fsr-4224	203	32	respectively	respectively	ADV
fsr-4224	203	33	,	,	PUNCT
fsr-4224	203	34	prior	prior	ADJ
fsr-4224	203	35	research	research	NOUN
fsr-4224	203	36	supports	support	VERB
fsr-4224	203	37	the	the	DET
fsr-4224	203	38	acceptability	acceptability	NOUN
fsr-4224	203	39	of	of	ADP
fsr-4224	203	40	cronbach	cronbach	NOUN
fsr-4224	203	41	’s	’s	PART
fsr-4224	203	42	alpha	alpha	NOUN
fsr-4224	203	43	values	value	NOUN
fsr-4224	203	44	above	above	ADP
fsr-4224	203	45	0.60	0.60	NUM
fsr-4224	203	46	in	in	ADP
fsr-4224	203	47	social	social	ADJ
fsr-4224	203	48	science	science	NOUN
fsr-4224	203	49	contexts	contexts	NOUN
fsr-4224	203	50	(	(	PUNCT
fsr-4224	203	51	lam	lam	PROPN
fsr-4224	203	52	,	,	PUNCT
fsr-4224	203	53	2012	2012	NUM
fsr-4224	203	54	;	;	PUNCT
fsr-4224	203	55	shi	shi	PROPN
fsr-4224	203	56	et	et	PROPN
fsr-4224	203	57	al	al	PROPN
fsr-4224	203	58	.	.	PROPN
fsr-4224	203	59	,	,	PUNCT
fsr-4224	203	60	2012	2012	NUM
fsr-4224	203	61	)	)	PUNCT
fsr-4224	203	62	.	.	PUNCT
fsr-4224	204	1	composite	composite	ADJ
fsr-4224	204	2	reliability	reliability	NOUN
fsr-4224	204	3	ranged	range	VERB
fsr-4224	204	4	from	from	ADP
fsr-4224	204	5	0.66	0.66	NUM
fsr-4224	204	6	to	to	ADP
fsr-4224	204	7	0.87	0.87	NUM
fsr-4224	204	8	,	,	PUNCT
fsr-4224	204	9	surpassing	surpass	VERB
fsr-4224	204	10	the	the	DET
fsr-4224	204	11	minimum	minimum	ADJ
fsr-4224	204	12	acceptable	acceptable	ADJ
fsr-4224	204	13	level	level	NOUN
fsr-4224	204	14	of	of	ADP
fsr-4224	204	15	0.60	0.60	NUM
fsr-4224	204	16	(	(	PUNCT
fsr-4224	204	17	fornell	fornell	PROPN
fsr-4224	204	18	&	&	CCONJ
fsr-4224	204	19	larcker	larcker	PROPN
fsr-4224	204	20	,	,	PUNCT
fsr-4224	204	21	1981	1981	NUM
fsr-4224	204	22	;	;	PUNCT
fsr-4224	204	23	lam	lam	PROPN
fsr-4224	204	24	,	,	PUNCT
fsr-4224	204	25	2012	2012	NUM
fsr-4224	204	26	)	)	PUNCT
fsr-4224	204	27	.	.	PUNCT
fsr-4224	205	1	thus	thus	ADV
fsr-4224	205	2	,	,	PUNCT
fsr-4224	205	3	composite	composite	ADJ
fsr-4224	205	4	reliability	reliability	NOUN
fsr-4224	205	5	alone	alone	ADV
fsr-4224	205	6	can	can	AUX
fsr-4224	205	7	ensure	ensure	VERB
fsr-4224	205	8	sufficient	sufficient	ADJ
fsr-4224	205	9	convergent	convergent	NOUN
fsr-4224	205	10	validity	validity	NOUN
fsr-4224	205	11	,	,	PUNCT
fsr-4224	205	12	even	even	ADV
fsr-4224	205	13	when	when	SCONJ
fsr-4224	205	14	more	more	ADJ
fsr-4224	205	15	than	than	ADP
fsr-4224	205	16	50	50	NUM
fsr-4224	205	17	%	%	NOUN
fsr-4224	205	18	of	of	ADP
fsr-4224	205	19	the	the	DET
fsr-4224	205	20	variance	variance	NOUN
fsr-4224	205	21	stems	stem	VERB
fsr-4224	205	22	from	from	ADP
fsr-4224	205	23	error	error	NOUN
fsr-4224	205	24	(	(	PUNCT
fsr-4224	205	25	fornell	fornell	PROPN
fsr-4224	205	26	&	&	CCONJ
fsr-4224	205	27	larcker	larcker	PROPN
fsr-4224	205	28	,	,	PUNCT
fsr-4224	205	29	1981	1981	NUM
fsr-4224	205	30	)	)	PUNCT
fsr-4224	205	31	,	,	PUNCT
fsr-4224	205	32	confirming	confirm	VERB
fsr-4224	205	33	acceptable	acceptable	ADJ
fsr-4224	205	34	internal	internal	ADJ
fsr-4224	205	35	reliability	reliability	NOUN
fsr-4224	205	36	(	(	PUNCT
fsr-4224	205	37	lam	lam	PROPN
fsr-4224	205	38	,	,	PUNCT
fsr-4224	205	39	2012	2012	NUM
fsr-4224	205	40	)	)	PUNCT
fsr-4224	205	41	.	.	PUNCT
fsr-4224	206	1	to	to	PART
fsr-4224	206	2	address	address	VERB
fsr-4224	206	3	common	common	ADJ
fsr-4224	206	4	method	method	NOUN
fsr-4224	206	5	bias	bias	NOUN
fsr-4224	206	6	,	,	PUNCT
fsr-4224	206	7	a	a	DET
fsr-4224	206	8	common	common	ADJ
fsr-4224	206	9	issue	issue	NOUN
fsr-4224	206	10	in	in	ADP
fsr-4224	206	11	survey	survey	NOUN
fsr-4224	206	12	research	research	NOUN
fsr-4224	206	13	,	,	PUNCT
fsr-4224	206	14	two	two	NUM
fsr-4224	206	15	strategies	strategy	NOUN
fsr-4224	206	16	were	be	AUX
fsr-4224	206	17	applied	apply	VERB
fsr-4224	206	18	.	.	PUNCT
fsr-4224	207	1	harman	harman	PROPN
fsr-4224	207	2	’s	’s	PART
fsr-4224	207	3	single	single	ADJ
fsr-4224	207	4	-	-	PUNCT
fsr-4224	207	5	factor	factor	NOUN
fsr-4224	207	6	test	test	NOUN
fsr-4224	207	7	revealed	reveal	VERB
fsr-4224	207	8	that	that	SCONJ
fsr-4224	207	9	no	no	DET
fsr-4224	207	10	single	single	ADJ
fsr-4224	207	11	factor	factor	NOUN
fsr-4224	207	12	accounted	account	VERB
fsr-4224	207	13	for	for	ADP
fsr-4224	207	14	more	more	ADJ
fsr-4224	207	15	than	than	ADP
fsr-4224	207	16	50	50	NUM
fsr-4224	207	17	%	%	NOUN
fsr-4224	207	18	of	of	ADP
fsr-4224	207	19	the	the	DET
fsr-4224	207	20	variance	variance	NOUN
fsr-4224	207	21	(	(	PUNCT
fsr-4224	207	22	podsakoff	podsakoff	NOUN
fsr-4224	207	23	et	et	PROPN
fsr-4224	207	24	al	al	PROPN
fsr-4224	207	25	.	.	PROPN
fsr-4224	207	26	,	,	PUNCT
fsr-4224	207	27	2003	2003	NUM
fsr-4224	207	28	)	)	PUNCT
fsr-4224	207	29	.	.	PUNCT
fsr-4224	208	1	the	the	DET
fsr-4224	208	2	construct	construct	NOUN
fsr-4224	208	3	reliability	reliability	NOUN
fsr-4224	208	4	and	and	CCONJ
fsr-4224	208	5	validity	validity	NOUN
fsr-4224	208	6	statistics	statistic	NOUN
fsr-4224	208	7	are	be	AUX
fsr-4224	208	8	depicted	depict	VERB
fsr-4224	208	9	in	in	ADP
fsr-4224	208	10	table	table	NOUN
fsr-4224	208	11	2	2	NUM
fsr-4224	208	12	,	,	PUNCT
fsr-4224	208	13	3	3	NUM
fsr-4224	208	14	and	and	CCONJ
fsr-4224	208	15	4	4	NUM
fsr-4224	208	16	.	.	PUNCT
fsr-4224	209	1	additionally	additionally	ADV
fsr-4224	209	2	,	,	PUNCT
fsr-4224	209	3	vif	vif	PROPN
fsr-4224	209	4	collinearity	collinearity	NOUN
fsr-4224	209	5	values	value	NOUN
fsr-4224	209	6	for	for	ADP
fsr-4224	209	7	the	the	DET
fsr-4224	209	8	factors	factor	NOUN
fsr-4224	209	9	were	be	AUX
fsr-4224	209	10	within	within	ADP
fsr-4224	209	11	acceptable	acceptable	ADJ
fsr-4224	209	12	limits	limit	NOUN
fsr-4224	209	13	,	,	PUNCT
fsr-4224	209	14	indicating	indicate	VERB
fsr-4224	209	15	that	that	SCONJ
fsr-4224	209	16	common	common	ADJ
fsr-4224	209	17	method	method	NOUN
fsr-4224	209	18	bias	bias	NOUN
fsr-4224	209	19	was	be	AUX
fsr-4224	209	20	not	not	PART
fsr-4224	209	21	a	a	DET
fsr-4224	209	22	concern	concern	NOUN
fsr-4224	209	23	.	.	PUNCT
fsr-4224	210	1	table	table	NOUN
fsr-4224	210	2	2	2	NUM
fsr-4224	210	3	.	.	PUNCT
fsr-4224	210	4	construct	construct	VERB
fsr-4224	210	5	reliability	reliability	NOUN
fsr-4224	210	6	and	and	CCONJ
fsr-4224	210	7	validity	validity	NOUN
fsr-4224	210	8	construct	construct	VERB
fsr-4224	210	9	name	name	NOUN
fsr-4224	210	10	cronbach	cronbach	PROPN
fsr-4224	210	11	's	's	PART
fsr-4224	210	12	alpha	alpha	ADJ
fsr-4224	210	13	composite	composite	ADJ
fsr-4224	210	14	reliability	reliability	NOUN
fsr-4224	210	15	average	average	ADJ
fsr-4224	210	16	variance	variance	NOUN
fsr-4224	210	17	extracted	extract	VERB
fsr-4224	210	18	(	(	PUNCT
fsr-4224	210	19	ave	ave	NOUN
fsr-4224	210	20	)	)	PUNCT
fsr-4224	210	21	rho_a	rho_a	PROPN
fsr-4224	210	22	rho_c	rho_c	NOUN
fsr-4224	210	23	fmb	fmb	PROPN
fsr-4224	210	24	0.71	0.71	NUM
fsr-4224	210	25	0.72	0.72	NUM
fsr-4224	210	26	0.81	0.81	NUM
fsr-4224	210	27	0.46	0.46	NUM
fsr-4224	210	28	financial	financial	ADJ
fsr-4224	210	29	attitude	attitude	NOUN
fsr-4224	210	30	0.64	0.64	NUM
fsr-4224	210	31	0.66	0.66	NUM
fsr-4224	210	32	0.81	0.81	NUM
fsr-4224	210	33	0.59	0.59	NUM
fsr-4224	210	34	family	family	NOUN
fsr-4224	210	35	financial	financial	ADJ
fsr-4224	210	36	socialization	socialization	NOUN
fsr-4224	210	37	0.71	0.71	NUM
fsr-4224	210	38	0.76	0.76	NUM
fsr-4224	210	39	0.82	0.82	NUM
fsr-4224	210	40	0.53	0.53	NUM
fsr-4224	210	41	peer	peer	NOUN
fsr-4224	210	42	influence	influence	NOUN
fsr-4224	210	43	0.82	0.82	NUM
fsr-4224	210	44	0.86	0.86	NUM
fsr-4224	210	45	0.87	0.87	NUM
fsr-4224	210	46	0.52	0.52	NUM
fsr-4224	210	47	subjective	subjective	ADJ
fsr-4224	210	48	financial	financial	ADJ
fsr-4224	210	49	knowledge	knowledge	NOUN
fsr-4224	210	50	0.87	0.87	NUM
fsr-4224	210	51	0.88	0.88	NUM
fsr-4224	210	52	0.90	0.90	NUM
fsr-4224	210	53	0.52	0.52	NUM
fsr-4224	210	54	financial	financial	ADJ
fsr-4224	210	55	self	self	NOUN
fsr-4224	210	56	-	-	PUNCT
fsr-4224	210	57	efficacy	efficacy	NOUN
fsr-4224	210	58	0.78	0.78	NUM
fsr-4224	210	59	0.80	0.80	NUM
fsr-4224	210	60	0.84	0.84	NUM
fsr-4224	210	61	0.48	0.48	NUM
fsr-4224	210	62	to	to	PART
fsr-4224	210	63	establish	establish	VERB
fsr-4224	210	64	discriminant	discriminant	ADJ
fsr-4224	210	65	validity	validity	NOUN
fsr-4224	210	66	,	,	PUNCT
fsr-4224	210	67	this	this	DET
fsr-4224	210	68	study	study	NOUN
fsr-4224	210	69	used	use	VERB
fsr-4224	210	70	the	the	DET
fsr-4224	210	71	htmt	htmt	PROPN
fsr-4224	210	72	ratio	ratio	NOUN
fsr-4224	210	73	,	,	PUNCT
fsr-4224	210	74	a	a	DET
fsr-4224	210	75	method	method	NOUN
fsr-4224	210	76	recommended	recommend	VERB
fsr-4224	210	77	in	in	ADP
fsr-4224	210	78	the	the	DET
fsr-4224	210	79	literature	literature	NOUN
fsr-4224	210	80	(	(	PUNCT
fsr-4224	210	81	chanda	chanda	PROPN
fsr-4224	210	82	et	et	PROPN
fsr-4224	210	83	al	al	PROPN
fsr-4224	210	84	.	.	PROPN
fsr-4224	210	85	,	,	PUNCT
fsr-4224	210	86	2023	2023	NUM
fsr-4224	210	87	;	;	PUNCT
fsr-4224	210	88	rasoolimanesh	rasoolimanesh	NOUN
fsr-4224	210	89	et	et	PROPN
fsr-4224	210	90	al	al	PROPN
fsr-4224	210	91	.	.	PROPN
fsr-4224	210	92	,	,	PUNCT
fsr-4224	210	93	2021	2021	NUM
fsr-4224	210	94	)	)	PUNCT
fsr-4224	210	95	.	.	PUNCT
fsr-4224	211	1	for	for	SCONJ
fsr-4224	211	2	discriminant	discriminant	ADJ
fsr-4224	211	3	validity	validity	NOUN
fsr-4224	211	4	to	to	PART
fsr-4224	211	5	be	be	AUX
fsr-4224	211	6	confirmed	confirm	VERB
fsr-4224	211	7	,	,	PUNCT
fsr-4224	211	8	each	each	PRON
fsr-4224	211	9	construct	construct	VERB
fsr-4224	211	10	’s	’s	PART
fsr-4224	211	11	htmt	htmt	NOUN
fsr-4224	211	12	value	value	NOUN
fsr-4224	211	13	should	should	AUX
fsr-4224	211	14	be	be	AUX
fsr-4224	211	15	below	below	ADP
fsr-4224	211	16	0.90	0.90	NUM
fsr-4224	211	17	.	.	PUNCT
fsr-4224	212	1	as	as	SCONJ
fsr-4224	212	2	shown	show	VERB
fsr-4224	212	3	in	in	ADP
fsr-4224	212	4	table	table	NOUN
fsr-4224	212	5	3	3	NUM
fsr-4224	212	6	,	,	PUNCT
fsr-4224	212	7	all	all	DET
fsr-4224	212	8	htmt	htmt	NOUN
fsr-4224	212	9	values	value	NOUN
fsr-4224	212	10	meet	meet	VERB
fsr-4224	212	11	this	this	DET
fsr-4224	212	12	criterion	criterion	NOUN
fsr-4224	212	13	.	.	PUNCT
fsr-4224	213	1	ahamed	ahamed	PROPN
fsr-4224	213	2	et	et	PROPN
fsr-4224	213	3	al	al	PROPN
fsr-4224	213	4	.	.	PROPN
fsr-4224	214	1	173	173	NUM
fsr-4224	214	2	table	table	NOUN
fsr-4224	214	3	3	3	NUM
fsr-4224	214	4	.	.	PUNCT
fsr-4224	214	5	discriminant	discriminant	ADJ
fsr-4224	214	6	validity	validity	NOUN
fsr-4224	214	7	(	(	PUNCT
fsr-4224	214	8	heterotrait	heterotrait	NOUN
fsr-4224	214	9	-	-	PUNCT
fsr-4224	214	10	monotrait	monotrait	NOUN
fsr-4224	214	11	ratio	ratio	NOUN
fsr-4224	214	12	htmt	htmt	NOUN
fsr-4224	214	13	)	)	PUNCT
fsr-4224	214	14	construct	construct	VERB
fsr-4224	214	15	name	name	NOUN
fsr-4224	214	16	1	1	NUM
fsr-4224	214	17	2	2	NUM
fsr-4224	214	18	3	3	NUM
fsr-4224	214	19	4	4	NUM
fsr-4224	214	20	5	5	NUM
fsr-4224	214	21	6	6	NUM
fsr-4224	214	22	fmb	fmb	NOUN
fsr-4224	214	23	(	(	PUNCT
fsr-4224	214	24	1	1	NUM
fsr-4224	214	25	)	)	PUNCT
fsr-4224	214	26	financial	financial	ADJ
fsr-4224	214	27	self	self	NOUN
fsr-4224	214	28	-	-	PUNCT
fsr-4224	214	29	efficacy	efficacy	NOUN
fsr-4224	214	30	(	(	PUNCT
fsr-4224	214	31	2	2	NUM
fsr-4224	214	32	)	)	PUNCT
fsr-4224	214	33	0.49	0.49	NUM
fsr-4224	214	34	financial	financial	ADJ
fsr-4224	214	35	attitude	attitude	NOUN
fsr-4224	214	36	(	(	PUNCT
fsr-4224	214	37	3	3	NUM
fsr-4224	214	38	)	)	PUNCT
fsr-4224	214	39	0.84	0.84	NUM
fsr-4224	214	40	0.63	0.63	NUM
fsr-4224	214	41	family	family	NOUN
fsr-4224	214	42	financial	financial	ADJ
fsr-4224	214	43	socialization	socialization	NOUN
fsr-4224	214	44	(	(	PUNCT
fsr-4224	214	45	4	4	NUM
fsr-4224	214	46	)	)	PUNCT
fsr-4224	214	47	0.17	0.17	NUM
fsr-4224	214	48	0.11	0.11	NUM
fsr-4224	214	49	0.20	0.20	NUM
fsr-4224	214	50	peer	peer	NOUN
fsr-4224	214	51	influence	influence	NOUN
fsr-4224	214	52	(	(	PUNCT
fsr-4224	214	53	5	5	NUM
fsr-4224	214	54	)	)	PUNCT
fsr-4224	214	55	0.23	0.23	NUM
fsr-4224	214	56	0.19	0.19	NUM
fsr-4224	214	57	0.23	0.23	NUM
fsr-4224	214	58	0.32	0.32	NUM
fsr-4224	214	59	subjective	subjective	ADJ
fsr-4224	214	60	financial	financial	ADJ
fsr-4224	214	61	knowledge	knowledge	NOUN
fsr-4224	214	62	(	(	PUNCT
fsr-4224	214	63	6	6	NUM
fsr-4224	214	64	)	)	PUNCT
fsr-4224	214	65	0.60	0.60	NUM
fsr-4224	214	66	0.28	0.28	NUM
fsr-4224	214	67	0.50	0.50	NUM
fsr-4224	214	68	0.13	0.13	NUM
fsr-4224	214	69	0.12	0.12	NUM
fsr-4224	214	70	discriminant	discriminant	ADJ
fsr-4224	214	71	validity	validity	NOUN
fsr-4224	214	72	was	be	AUX
fsr-4224	214	73	further	far	ADV
fsr-4224	214	74	assessed	assess	VERB
fsr-4224	214	75	using	use	VERB
fsr-4224	214	76	the	the	DET
fsr-4224	214	77	fornell	fornell	ADJ
fsr-4224	214	78	-	-	PUNCT
fsr-4224	214	79	larcker	larcker	NOUN
fsr-4224	214	80	criterion	criterion	NOUN
fsr-4224	214	81	,	,	PUNCT
fsr-4224	214	82	which	which	PRON
fsr-4224	214	83	requires	require	VERB
fsr-4224	214	84	the	the	DET
fsr-4224	214	85	square	square	ADJ
fsr-4224	214	86	root	root	NOUN
fsr-4224	214	87	of	of	ADP
fsr-4224	214	88	each	each	DET
fsr-4224	214	89	construct	construct	NOUN
fsr-4224	214	90	's	's	PART
fsr-4224	214	91	ave	ave	NOUN
fsr-4224	214	92	to	to	PART
fsr-4224	214	93	exceed	exceed	VERB
fsr-4224	214	94	its	its	PRON
fsr-4224	214	95	correlations	correlation	NOUN
fsr-4224	214	96	with	with	ADP
fsr-4224	214	97	other	other	ADJ
fsr-4224	214	98	constructs	construct	NOUN
fsr-4224	214	99	(	(	PUNCT
fsr-4224	214	100	fornell	fornell	NOUN
fsr-4224	214	101	&	&	CCONJ
fsr-4224	214	102	larcker	larcker	PROPN
fsr-4224	214	103	,	,	PUNCT
fsr-4224	214	104	1981	1981	NUM
fsr-4224	214	105	)	)	PUNCT
fsr-4224	214	106	.	.	PUNCT
fsr-4224	215	1	as	as	SCONJ
fsr-4224	215	2	displayed	display	VERB
fsr-4224	215	3	in	in	ADP
fsr-4224	215	4	table	table	NOUN
fsr-4224	215	5	4	4	NUM
fsr-4224	215	6	,	,	PUNCT
fsr-4224	215	7	this	this	DET
fsr-4224	215	8	criterion	criterion	NOUN
fsr-4224	215	9	was	be	AUX
fsr-4224	215	10	satisfied	satisfied	ADJ
fsr-4224	215	11	for	for	ADP
fsr-4224	215	12	all	all	DET
fsr-4224	215	13	constructs	construct	NOUN
fsr-4224	215	14	,	,	PUNCT
fsr-4224	215	15	confirming	confirm	VERB
fsr-4224	215	16	that	that	SCONJ
fsr-4224	215	17	each	each	PRON
fsr-4224	215	18	construct	construct	VERB
fsr-4224	215	19	shares	share	NOUN
fsr-4224	215	20	more	more	ADJ
fsr-4224	215	21	variance	variance	NOUN
fsr-4224	215	22	with	with	ADP
fsr-4224	215	23	its	its	PRON
fsr-4224	215	24	own	own	ADJ
fsr-4224	215	25	indicators	indicator	NOUN
fsr-4224	215	26	than	than	ADP
fsr-4224	215	27	with	with	ADP
fsr-4224	215	28	other	other	ADJ
fsr-4224	215	29	constructs	construct	NOUN
fsr-4224	215	30	.	.	PUNCT
fsr-4224	216	1	table	table	NOUN
fsr-4224	216	2	4	4	NUM
fsr-4224	216	3	.	.	PUNCT
fsr-4224	217	1	discriminant	discriminant	ADJ
fsr-4224	217	2	validity	validity	NOUN
fsr-4224	217	3	(	(	PUNCT
fsr-4224	217	4	fornell	fornell	NOUN
fsr-4224	217	5	-	-	PUNCT
fsr-4224	217	6	larcker	larcker	NOUN
fsr-4224	217	7	criterion	criterion	NOUN
fsr-4224	217	8	)	)	PUNCT
fsr-4224	217	9	construct	construct	VERB
fsr-4224	217	10	name	name	NOUN
fsr-4224	217	11	1	1	NUM
fsr-4224	217	12	2	2	NUM
fsr-4224	217	13	3	3	NUM
fsr-4224	217	14	4	4	NUM
fsr-4224	217	15	5	5	NUM
fsr-4224	217	16	6	6	NUM
fsr-4224	217	17	fmb	fmb	NOUN
fsr-4224	217	18	(	(	PUNCT
fsr-4224	217	19	1	1	NUM
fsr-4224	217	20	)	)	PUNCT
fsr-4224	217	21	0.68	0.68	NUM
fsr-4224	217	22	financial	financial	ADJ
fsr-4224	217	23	self	self	NOUN
fsr-4224	217	24	-	-	PUNCT
fsr-4224	217	25	efficacy	efficacy	NOUN
fsr-4224	217	26	(	(	PUNCT
fsr-4224	217	27	2	2	NUM
fsr-4224	217	28	)	)	PUNCT
fsr-4224	217	29	0.39	0.39	NUM
fsr-4224	217	30	0.69	0.69	NUM
fsr-4224	217	31	financial	financial	ADJ
fsr-4224	217	32	attitude	attitude	NOUN
fsr-4224	217	33	(	(	PUNCT
fsr-4224	217	34	3	3	NUM
fsr-4224	217	35	)	)	PUNCT
fsr-4224	217	36	0.59	0.59	NUM
fsr-4224	217	37	0.47	0.47	NUM
fsr-4224	217	38	0.77	0.77	NUM
fsr-4224	217	39	family	family	NOUN
fsr-4224	217	40	financial	financial	ADJ
fsr-4224	217	41	socialization	socialization	NOUN
fsr-4224	217	42	(	(	PUNCT
fsr-4224	217	43	4	4	NUM
fsr-4224	217	44	)	)	PUNCT
fsr-4224	217	45	0.13	0.13	NUM
fsr-4224	217	46	0.06	0.06	NUM
fsr-4224	217	47	0.11	0.11	NUM
fsr-4224	217	48	0.73	0.73	NUM
fsr-4224	217	49	peer	peer	NOUN
fsr-4224	217	50	influence	influence	NOUN
fsr-4224	217	51	(	(	PUNCT
fsr-4224	217	52	5	5	NUM
fsr-4224	217	53	)	)	PUNCT
fsr-4224	217	54	-0.20	-0.20	NOUN
fsr-4224	218	1	-0.16	-0.16	PRON
fsr-4224	218	2	-0.18	-0.18	NUM
fsr-4224	218	3	-0.21	-0.21	NUM
fsr-4224	218	4	0.72	0.72	NUM
fsr-4224	218	5	subjective	subjective	ADJ
fsr-4224	218	6	financial	financial	ADJ
fsr-4224	218	7	knowledge	knowledge	NOUN
fsr-4224	218	8	(	(	PUNCT
fsr-4224	218	9	6	6	NUM
fsr-4224	218	10	)	)	PUNCT
fsr-4224	218	11	0.49	0.49	NUM
fsr-4224	218	12	0.25	0.25	NUM
fsr-4224	218	13	0.39	0.39	NUM
fsr-4224	218	14	0.04	0.04	NUM
fsr-4224	218	15	-0.01	-0.01	NUM
fsr-4224	218	16	0.72	0.72	NUM
fsr-4224	218	17	assessment	assessment	NOUN
fsr-4224	218	18	of	of	ADP
fsr-4224	218	19	the	the	DET
fsr-4224	218	20	structural	structural	ADJ
fsr-4224	218	21	model	model	NOUN
fsr-4224	218	22	in	in	ADP
fsr-4224	218	23	plssem	plssem	PROPN
fsr-4224	218	24	to	to	PART
fsr-4224	218	25	evaluate	evaluate	VERB
fsr-4224	218	26	the	the	DET
fsr-4224	218	27	model	model	NOUN
fsr-4224	218	28	,	,	PUNCT
fsr-4224	218	29	we	we	PRON
fsr-4224	218	30	analyzed	analyze	VERB
fsr-4224	218	31	the	the	DET
fsr-4224	218	32	variance	variance	NOUN
fsr-4224	218	33	explained	explain	VERB
fsr-4224	218	34	and	and	CCONJ
fsr-4224	218	35	path	path	NOUN
fsr-4224	218	36	coefficients	coefficient	NOUN
fsr-4224	218	37	of	of	ADP
fsr-4224	218	38	the	the	DET
fsr-4224	218	39	endogenous	endogenous	ADJ
fsr-4224	218	40	variables	variable	NOUN
fsr-4224	218	41	using	use	VERB
fsr-4224	218	42	the	the	DET
fsr-4224	218	43	adjusted	adjust	VERB
fsr-4224	218	44	r²	r²	NOUN
fsr-4224	218	45	(	(	PUNCT
fsr-4224	218	46	gil	gil	PROPN
fsr-4224	218	47	-	-	PROPN
fsr-4224	218	48	cordero	cordero	PROPN
fsr-4224	218	49	et	et	PROPN
fsr-4224	218	50	al	al	PROPN
fsr-4224	218	51	.	.	PROPN
fsr-4224	218	52	,	,	PUNCT
fsr-4224	218	53	2024	2024	NUM
fsr-4224	218	54	)	)	PUNCT
fsr-4224	218	55	.	.	PUNCT
fsr-4224	219	1	financial	financial	ADJ
fsr-4224	219	2	services	service	NOUN
fsr-4224	219	3	review	review	PROPN
fsr-4224	219	4	,	,	PUNCT
fsr-4224	219	5	33(4	33(4	NUM
fsr-4224	219	6	)	)	PUNCT
fsr-4224	219	7	174	174	NUM
fsr-4224	219	8	figure	figure	NOUN
fsr-4224	219	9	1	1	NUM
fsr-4224	219	10	.	.	PUNCT
fsr-4224	220	1	the	the	DET
fsr-4224	220	2	conceptual	conceptual	ADJ
fsr-4224	220	3	model	model	NOUN
fsr-4224	220	4	with	with	ADP
fsr-4224	220	5	beta	beta	ADJ
fsr-4224	220	6	coefficients	coefficient	NOUN
fsr-4224	220	7	and	and	CCONJ
fsr-4224	220	8	the	the	DET
fsr-4224	220	9	level	level	NOUN
fsr-4224	220	10	of	of	ADP
fsr-4224	220	11	significance	significance	NOUN
fsr-4224	220	12	(	(	PUNCT
fsr-4224	220	13	source	source	NOUN
fsr-4224	220	14	:	:	PUNCT
fsr-4224	220	15	figure	figure	NOUN
fsr-4224	220	16	by	by	ADP
fsr-4224	220	17	authors	author	NOUN
fsr-4224	220	18	)	)	PUNCT
fsr-4224	220	19	the	the	DET
fsr-4224	220	20	adjusted	adjust	VERB
fsr-4224	220	21	r²	r²	NOUN
fsr-4224	220	22	for	for	ADP
fsr-4224	220	23	fmb	fmb	PROPN
fsr-4224	220	24	is	be	AUX
fsr-4224	220	25	0.45	0.45	NUM
fsr-4224	220	26	(	(	PUNCT
fsr-4224	220	27	figure	figure	NOUN
fsr-4224	220	28	1	1	NUM
fsr-4224	220	29	)	)	PUNCT
fsr-4224	220	30	,	,	PUNCT
fsr-4224	220	31	indicating	indicate	VERB
fsr-4224	220	32	a	a	DET
fsr-4224	220	33	good	good	ADJ
fsr-4224	220	34	model	model	NOUN
fsr-4224	220	35	fit	fit	PROPN
fsr-4224	220	36	.	.	PUNCT
fsr-4224	221	1	this	this	PRON
fsr-4224	221	2	suggests	suggest	VERB
fsr-4224	221	3	that	that	SCONJ
fsr-4224	221	4	the	the	DET
fsr-4224	221	5	model	model	NOUN
fsr-4224	221	6	explains	explain	VERB
fsr-4224	221	7	nearly	nearly	ADV
fsr-4224	221	8	50	50	NUM
fsr-4224	221	9	%	%	NOUN
fsr-4224	221	10	of	of	ADP
fsr-4224	221	11	the	the	DET
fsr-4224	221	12	variance	variance	NOUN
fsr-4224	221	13	in	in	ADP
fsr-4224	221	14	fmb	fmb	PROPN
fsr-4224	221	15	,	,	PUNCT
fsr-4224	221	16	which	which	PRON
fsr-4224	221	17	is	be	AUX
fsr-4224	221	18	a	a	DET
fsr-4224	221	19	strong	strong	ADJ
fsr-4224	221	20	result	result	NOUN
fsr-4224	221	21	for	for	ADP
fsr-4224	221	22	a	a	DET
fsr-4224	221	23	parsimonious	parsimonious	ADJ
fsr-4224	221	24	model	model	NOUN
fsr-4224	221	25	(	(	PUNCT
fsr-4224	221	26	chanda	chanda	PROPN
fsr-4224	221	27	et	et	PROPN
fsr-4224	221	28	al	al	PROPN
fsr-4224	221	29	.	.	PROPN
fsr-4224	221	30	,	,	PUNCT
fsr-4224	221	31	2023	2023	NUM
fsr-4224	221	32	;	;	PUNCT
fsr-4224	221	33	gilcordero	gilcordero	NOUN
fsr-4224	221	34	et	et	PROPN
fsr-4224	221	35	al	al	PROPN
fsr-4224	221	36	.	.	PROPN
fsr-4224	221	37	,	,	PUNCT
fsr-4224	221	38	2024	2024	NUM
fsr-4224	221	39	)	)	PUNCT
fsr-4224	221	40	.	.	PUNCT
fsr-4224	222	1	as	as	SCONJ
fsr-4224	222	2	shown	show	VERB
fsr-4224	222	3	in	in	ADP
fsr-4224	222	4	table	table	NOUN
fsr-4224	222	5	5	5	NUM
fsr-4224	222	6	,	,	PUNCT
fsr-4224	222	7	the	the	DET
fsr-4224	222	8	path	path	NOUN
fsr-4224	222	9	coefficients	coefficient	NOUN
fsr-4224	222	10	were	be	AUX
fsr-4224	222	11	tested	test	VERB
fsr-4224	222	12	using	use	VERB
fsr-4224	222	13	bootstrapping	bootstrappe	VERB
fsr-4224	222	14	with	with	ADP
fsr-4224	222	15	5000	5000	NUM
fsr-4224	222	16	samples	sample	NOUN
fsr-4224	222	17	(	(	PUNCT
fsr-4224	222	18	hair	hair	NOUN
fsr-4224	222	19	jr	jr	PROPN
fsr-4224	222	20	et	et	PROPN
fsr-4224	222	21	al	al	PROPN
fsr-4224	222	22	.	.	PROPN
fsr-4224	222	23	,	,	PUNCT
fsr-4224	222	24	2014	2014	NUM
fsr-4224	222	25	)	)	PUNCT
fsr-4224	222	26	.	.	PUNCT
fsr-4224	223	1	financial	financial	ADJ
fsr-4224	223	2	attitude	attitude	NOUN
fsr-4224	223	3	significantly	significantly	ADV
fsr-4224	223	4	associated	associate	VERB
fsr-4224	223	5	with	with	ADP
fsr-4224	223	6	desirable	desirable	ADJ
fsr-4224	223	7	fmb	fmb	NOUN
fsr-4224	223	8	(	(	PUNCT
fsr-4224	223	9	β	β	X
fsr-4224	223	10	=	=	SYM
fsr-4224	223	11	0.40	0.40	NUM
fsr-4224	223	12	,	,	PUNCT
fsr-4224	223	13	p	p	X
fsr-4224	223	14	>	>	X
fsr-4224	223	15	0.05	0.05	NUM
fsr-4224	223	16	)	)	PUNCT
fsr-4224	223	17	,	,	PUNCT
fsr-4224	223	18	supporting	support	VERB
fsr-4224	223	19	hypothesis	hypothesis	NOUN
fsr-4224	223	20	h1	h1	NOUN
fsr-4224	223	21	.	.	PUNCT
fsr-4224	224	1	however	however	ADV
fsr-4224	224	2	,	,	PUNCT
fsr-4224	224	3	family	family	NOUN
fsr-4224	224	4	financial	financial	ADJ
fsr-4224	224	5	socialization	socialization	NOUN
fsr-4224	224	6	had	have	VERB
fsr-4224	224	7	no	no	DET
fsr-4224	224	8	significant	significant	ADJ
fsr-4224	224	9	effect	effect	NOUN
fsr-4224	224	10	on	on	ADP
fsr-4224	224	11	fmb	fmb	PROPN
fsr-4224	224	12	(	(	PUNCT
fsr-4224	224	13	β	β	X
fsr-4224	224	14	=	=	NOUN
fsr-4224	224	15	0.04	0.04	NUM
fsr-4224	224	16	,	,	PUNCT
fsr-4224	224	17	p	p	X
fsr-4224	224	18	<	<	X
fsr-4224	224	19	0.05	0.05	NUM
fsr-4224	224	20	)	)	PUNCT
fsr-4224	224	21	,	,	PUNCT
fsr-4224	224	22	leading	lead	VERB
fsr-4224	224	23	to	to	ADP
fsr-4224	224	24	the	the	DET
fsr-4224	224	25	rejection	rejection	NOUN
fsr-4224	224	26	of	of	ADP
fsr-4224	224	27	h2	h2	NOUN
fsr-4224	224	28	.	.	PUNCT
fsr-4224	225	1	interestingly	interestingly	ADV
fsr-4224	225	2	,	,	PUNCT
fsr-4224	225	3	peer	peer	NOUN
fsr-4224	225	4	influence	influence	NOUN
fsr-4224	225	5	exhibited	exhibit	VERB
fsr-4224	225	6	a	a	DET
fsr-4224	225	7	significant	significant	ADJ
fsr-4224	225	8	but	but	CCONJ
fsr-4224	225	9	negative	negative	ADJ
fsr-4224	225	10	impact	impact	NOUN
fsr-4224	225	11	on	on	ADP
fsr-4224	225	12	fmb	fmb	PROPN
fsr-4224	225	13	(	(	PUNCT
fsr-4224	225	14	β	β	X
fsr-4224	225	15	=	=	SYM
fsr-4224	225	16	-0.10	-0.10	PROPN
fsr-4224	225	17	,	,	PUNCT
fsr-4224	225	18	p	p	X
fsr-4224	225	19	>	>	X
fsr-4224	225	20	0.05	0.05	NUM
fsr-4224	225	21	)	)	PUNCT
fsr-4224	225	22	,	,	PUNCT
fsr-4224	225	23	contrary	contrary	ADV
fsr-4224	225	24	to	to	ADP
fsr-4224	225	25	h3	h3	NOUN
fsr-4224	225	26	.	.	PUNCT
fsr-4224	226	1	both	both	DET
fsr-4224	226	2	hypotheses	hypothesis	NOUN
fsr-4224	226	3	related	relate	VERB
fsr-4224	226	4	to	to	ADP
fsr-4224	226	5	perceived	perceive	VERB
fsr-4224	226	6	behavioral	behavioral	ADJ
fsr-4224	226	7	control	control	NOUN
fsr-4224	226	8	were	be	AUX
fsr-4224	226	9	supported	support	VERB
fsr-4224	226	10	:	:	PUNCT
fsr-4224	226	11	subjective	subjective	ADJ
fsr-4224	226	12	financial	financial	ADJ
fsr-4224	226	13	knowledge	knowledge	NOUN
fsr-4224	226	14	(	(	PUNCT
fsr-4224	226	15	β	β	X
fsr-4224	226	16	=	=	SYM
fsr-4224	226	17	0.31	0.31	NUM
fsr-4224	226	18	,	,	PUNCT
fsr-4224	226	19	p	p	X
fsr-4224	226	20	<	<	X
fsr-4224	226	21	0.05	0.05	NUM
fsr-4224	226	22	)	)	PUNCT
fsr-4224	226	23	and	and	CCONJ
fsr-4224	226	24	financial	financial	ADJ
fsr-4224	226	25	self	self	NOUN
fsr-4224	226	26	-	-	PUNCT
fsr-4224	226	27	efficacy	efficacy	NOUN
fsr-4224	226	28	(	(	PUNCT
fsr-4224	226	29	β	β	X
fsr-4224	226	30	=	=	SYM
fsr-4224	226	31	0.10	0.10	NUM
fsr-4224	226	32	,	,	PUNCT
fsr-4224	226	33	p	p	X
fsr-4224	226	34	<	<	X
fsr-4224	226	35	0.05	0.05	NUM
fsr-4224	226	36	)	)	PUNCT
fsr-4224	226	37	had	have	VERB
fsr-4224	226	38	positive	positive	ADJ
fsr-4224	226	39	and	and	CCONJ
fsr-4224	226	40	significant	significant	ADJ
fsr-4224	226	41	effects	effect	NOUN
fsr-4224	226	42	on	on	ADP
fsr-4224	226	43	fmb	fmb	PROPN
fsr-4224	226	44	,	,	PUNCT
fsr-4224	226	45	supporting	support	VERB
fsr-4224	226	46	h4	h4	NOUN
fsr-4224	226	47	and	and	CCONJ
fsr-4224	226	48	h5	h5	NOUN
fsr-4224	226	49	.	.	PUNCT
fsr-4224	227	1	the	the	DET
fsr-4224	227	2	findings	finding	NOUN
fsr-4224	227	3	reveal	reveal	VERB
fsr-4224	227	4	two	two	NUM
fsr-4224	227	5	unexpected	unexpected	ADJ
fsr-4224	227	6	results	result	NOUN
fsr-4224	227	7	:	:	PUNCT
fsr-4224	227	8	the	the	DET
fsr-4224	227	9	lack	lack	NOUN
fsr-4224	227	10	of	of	ADP
fsr-4224	227	11	effect	effect	NOUN
fsr-4224	227	12	from	from	ADP
fsr-4224	227	13	family	family	NOUN
fsr-4224	227	14	financial	financial	ADJ
fsr-4224	227	15	socialization	socialization	NOUN
fsr-4224	227	16	and	and	CCONJ
fsr-4224	227	17	the	the	DET
fsr-4224	227	18	negative	negative	ADJ
fsr-4224	227	19	impact	impact	NOUN
fsr-4224	227	20	of	of	ADP
fsr-4224	227	21	peer	peer	NOUN
fsr-4224	227	22	influence	influence	NOUN
fsr-4224	227	23	on	on	ADP
fsr-4224	227	24	fmb	fmb	PROPN
fsr-4224	227	25	.	.	PUNCT
fsr-4224	228	1	these	these	DET
fsr-4224	228	2	results	result	NOUN
fsr-4224	228	3	highlight	highlight	VERB
fsr-4224	228	4	the	the	DET
fsr-4224	228	5	unique	unique	ADJ
fsr-4224	228	6	socio	socio	NOUN
fsr-4224	228	7	-	-	PUNCT
fsr-4224	228	8	economic	economic	ADJ
fsr-4224	228	9	context	context	NOUN
fsr-4224	228	10	of	of	ADP
fsr-4224	228	11	eastern	eastern	PROPN
fsr-4224	228	12	europe	europe	PROPN
fsr-4224	228	13	and	and	CCONJ
fsr-4224	228	14	prompted	prompt	VERB
fsr-4224	228	15	further	further	ADJ
fsr-4224	228	16	exploration	exploration	NOUN
fsr-4224	228	17	through	through	ADP
fsr-4224	228	18	qca	qca	NOUN
fsr-4224	228	19	analysis	analysis	NOUN
fsr-4224	228	20	,	,	PUNCT
fsr-4224	228	21	as	as	SCONJ
fsr-4224	228	22	discussed	discuss	VERB
fsr-4224	228	23	in	in	ADP
fsr-4224	228	24	subsequent	subsequent	ADJ
fsr-4224	228	25	sections	section	NOUN
fsr-4224	228	26	.	.	PUNCT
fsr-4224	229	1	table	table	NOUN
fsr-4224	229	2	5	5	NUM
fsr-4224	229	3	.	.	PUNCT
fsr-4224	229	4	path	path	NOUN
fsr-4224	229	5	coefficients	coefficient	NOUN
fsr-4224	229	6	and	and	CCONJ
fsr-4224	229	7	p	p	NOUN
fsr-4224	229	8	-	-	PUNCT
fsr-4224	229	9	values	value	NOUN
fsr-4224	229	10	for	for	ADP
fsr-4224	229	11	hypothesized	hypothesized	ADJ
fsr-4224	229	12	relationships	relationship	NOUN
fsr-4224	229	13	relationships	relationship	NOUN
fsr-4224	229	14	path	path	NOUN
fsr-4224	229	15	coefficient	coefficient	NOUN
fsr-4224	229	16	(	(	PUNCT
fsr-4224	229	17	β	β	NOUN
fsr-4224	229	18	)	)	PUNCT
fsr-4224	229	19	p	p	NOUN
fsr-4224	229	20	values	value	NOUN
fsr-4224	229	21	financial	financial	ADJ
fsr-4224	229	22	attitude	attitude	NOUN
fsr-4224	229	23	-	-	PUNCT
fsr-4224	229	24	>	>	X
fsr-4224	229	25	fmb	fmb	PROPN
fsr-4224	229	26	(	(	PUNCT
fsr-4224	229	27	h1	h1	PROPN
fsr-4224	229	28	)	)	PUNCT
fsr-4224	229	29	0.40	0.40	NUM
fsr-4224	229	30	0.00	0.00	NUM
fsr-4224	229	31	family	family	NOUN
fsr-4224	229	32	financial	financial	ADJ
fsr-4224	229	33	socialization	socialization	NOUN
fsr-4224	229	34	-	-	PUNCT
fsr-4224	229	35	>	>	X
fsr-4224	229	36	fmb	fmb	PROPN
fsr-4224	229	37	(	(	PUNCT
fsr-4224	229	38	h2	h2	PROPN
fsr-4224	229	39	)	)	PUNCT
fsr-4224	229	40	0.04	0.04	NUM
fsr-4224	229	41	0.31	0.31	NUM
fsr-4224	229	42	peer	peer	NOUN
fsr-4224	229	43	influence	influence	NOUN
fsr-4224	229	44	-	-	PUNCT
fsr-4224	229	45	>	>	X
fsr-4224	229	46	fmb	fmb	PROPN
fsr-4224	229	47	(	(	PUNCT
fsr-4224	229	48	h3	h3	NOUN
fsr-4224	229	49	)	)	PUNCT
fsr-4224	230	1	-0.10	-0.10	NUM
fsr-4224	230	2	0.02	0.02	NUM
fsr-4224	230	3	subjective	subjective	ADJ
fsr-4224	230	4	financial	financial	ADJ
fsr-4224	230	5	knowledge	knowledge	NOUN
fsr-4224	230	6	-	-	PUNCT
fsr-4224	230	7	>	>	X
fsr-4224	230	8	fmb	fmb	PROPN
fsr-4224	230	9	(	(	PUNCT
fsr-4224	230	10	h4	h4	PROPN
fsr-4224	230	11	)	)	PUNCT
fsr-4224	230	12	0.31	0.31	NUM
fsr-4224	230	13	0.00	0.00	NUM
fsr-4224	230	14	financial	financial	ADJ
fsr-4224	230	15	self	self	NOUN
fsr-4224	230	16	-	-	PUNCT
fsr-4224	230	17	efficacy	efficacy	NOUN
fsr-4224	230	18	-	-	PUNCT
fsr-4224	230	19	>	>	X
fsr-4224	230	20	fmb	fmb	PROPN
fsr-4224	230	21	(	(	PUNCT
fsr-4224	230	22	h5	h5	PROPN
fsr-4224	230	23	)	)	PUNCT
fsr-4224	230	24	0.10	0.10	NUM
fsr-4224	230	25	0.05	0.05	NUM
fsr-4224	230	26	plspredict	plspredict	VERB
fsr-4224	230	27	the	the	DET
fsr-4224	230	28	plspredict	plspredict	ADJ
fsr-4224	230	29	method	method	NOUN
fsr-4224	230	30	,	,	PUNCT
fsr-4224	230	31	following	follow	VERB
fsr-4224	230	32	the	the	DET
fsr-4224	230	33	10	10	NUM
fsr-4224	230	34	-	-	ADJ
fsr-4224	230	35	fold	fold	ADJ
fsr-4224	230	36	approach	approach	NOUN
fsr-4224	230	37	(	(	PUNCT
fsr-4224	230	38	shmueli	shmueli	ADV
fsr-4224	230	39	et	et	PROPN
fsr-4224	230	40	al	al	PROPN
fsr-4224	230	41	.	.	PROPN
fsr-4224	230	42	,	,	PUNCT
fsr-4224	230	43	2019	2019	NUM
fsr-4224	230	44	)	)	PUNCT
fsr-4224	230	45	,	,	PUNCT
fsr-4224	230	46	evaluates	evaluate	VERB
fsr-4224	230	47	predictive	predictive	ADJ
fsr-4224	230	48	relevance	relevance	NOUN
fsr-4224	230	49	by	by	ADP
fsr-4224	230	50	generating	generate	VERB
fsr-4224	230	51	case	case	NOUN
fsr-4224	230	52	-	-	PUNCT
fsr-4224	230	53	level	level	NOUN
fsr-4224	230	54	predictions	prediction	NOUN
fsr-4224	230	55	at	at	ADP
fsr-4224	230	56	both	both	CCONJ
fsr-4224	230	57	the	the	DET
fsr-4224	230	58	item	item	NOUN
fsr-4224	230	59	and	and	CCONJ
fsr-4224	230	60	construct	construct	VERB
fsr-4224	230	61	levels	level	NOUN
fsr-4224	230	62	.	.	PUNCT
fsr-4224	231	1	as	as	ADP
fsr-4224	231	2	a	a	DET
fsr-4224	231	3	holdout	holdout	NOUN
fsr-4224	231	4	sample	sample	NOUN
fsr-4224	231	5	-	-	PUNCT
fsr-4224	231	6	based	base	VERB
fsr-4224	231	7	technique	technique	NOUN
fsr-4224	231	8	,	,	PUNCT
fsr-4224	231	9	shmueli	shmueli	ADV
fsr-4224	231	10	et	et	PROPN
fsr-4224	231	11	al	al	PROPN
fsr-4224	231	12	.	.	PROPN
fsr-4224	231	13	(	(	PUNCT
fsr-4224	231	14	2019	2019	NUM
fsr-4224	231	15	)	)	PUNCT
fsr-4224	231	16	suggest	suggest	VERB
fsr-4224	231	17	that	that	SCONJ
fsr-4224	231	18	a	a	DET
fsr-4224	231	19	structural	structural	ADJ
fsr-4224	231	20	model	model	NOUN
fsr-4224	231	21	exhibits	exhibit	VERB
fsr-4224	231	22	strong	strong	ADJ
fsr-4224	231	23	predictive	predictive	ADJ
fsr-4224	231	24	power	power	NOUN
fsr-4224	231	25	when	when	SCONJ
fsr-4224	231	26	the	the	DET
fsr-4224	231	27	differences	difference	NOUN
fsr-4224	231	28	in	in	ADP
fsr-4224	231	29	rmse	rmse	NOUN
fsr-4224	231	30	between	between	ADP
fsr-4224	231	31	pls	pls	PROPN
fsr-4224	231	32	and	and	CCONJ
fsr-4224	231	33	linear	linear	PROPN
fsr-4224	231	34	ahamed	ahamed	PROPN
fsr-4224	231	35	et	et	PROPN
fsr-4224	231	36	al	al	PROPN
fsr-4224	231	37	.	.	PROPN
fsr-4224	232	1	175	175	NUM
fsr-4224	232	2	models	model	NOUN
fsr-4224	232	3	(	(	PUNCT
fsr-4224	232	4	lm	lm	INTJ
fsr-4224	232	5	)	)	PUNCT
fsr-4224	232	6	are	be	AUX
fsr-4224	232	7	minimal	minimal	ADJ
fsr-4224	232	8	.	.	PUNCT
fsr-4224	233	1	if	if	SCONJ
fsr-4224	233	2	the	the	DET
fsr-4224	233	3	rmse	rmse	ADJ
fsr-4224	233	4	values	value	NOUN
fsr-4224	233	5	for	for	ADP
fsr-4224	233	6	all	all	DET
fsr-4224	233	7	pls	pls	NOUN
fsr-4224	233	8	items	item	NOUN
fsr-4224	233	9	surpass	surpass	VERB
fsr-4224	233	10	those	those	PRON
fsr-4224	233	11	of	of	ADP
fsr-4224	233	12	the	the	DET
fsr-4224	233	13	lm	lm	PROPN
fsr-4224	233	14	,	,	PUNCT
fsr-4224	233	15	the	the	DET
fsr-4224	233	16	model	model	NOUN
fsr-4224	233	17	demonstrates	demonstrate	VERB
fsr-4224	233	18	high	high	ADJ
fsr-4224	233	19	predictive	predictive	ADJ
fsr-4224	233	20	error	error	NOUN
fsr-4224	233	21	and	and	CCONJ
fsr-4224	233	22	lacks	lack	VERB
fsr-4224	233	23	predictive	predictive	ADJ
fsr-4224	233	24	power	power	NOUN
fsr-4224	233	25	.	.	PUNCT
fsr-4224	234	1	conversely	conversely	ADV
fsr-4224	234	2	,	,	PUNCT
fsr-4224	234	3	if	if	SCONJ
fsr-4224	234	4	most	most	ADJ
fsr-4224	234	5	lm	lm	INTJ
fsr-4224	234	6	rmse	rmse	ADJ
fsr-4224	234	7	values	value	NOUN
fsr-4224	234	8	exceed	exceed	VERB
fsr-4224	234	9	those	those	PRON
fsr-4224	234	10	of	of	ADP
fsr-4224	234	11	the	the	DET
fsr-4224	234	12	pls	pls	NOUN
fsr-4224	234	13	,	,	PUNCT
fsr-4224	234	14	the	the	DET
fsr-4224	234	15	model	model	NOUN
fsr-4224	234	16	has	have	VERB
fsr-4224	234	17	moderate	moderate	ADJ
fsr-4224	234	18	predictive	predictive	ADJ
fsr-4224	234	19	power	power	NOUN
fsr-4224	234	20	and	and	CCONJ
fsr-4224	234	21	error	error	NOUN
fsr-4224	234	22	.	.	PUNCT
fsr-4224	235	1	a	a	DET
fsr-4224	235	2	model	model	NOUN
fsr-4224	235	3	demonstrates	demonstrate	VERB
fsr-4224	235	4	high	high	ADJ
fsr-4224	235	5	predictive	predictive	ADJ
fsr-4224	235	6	accuracy	accuracy	NOUN
fsr-4224	235	7	when	when	SCONJ
fsr-4224	235	8	only	only	ADV
fsr-4224	235	9	a	a	DET
fsr-4224	235	10	minority	minority	NOUN
fsr-4224	235	11	of	of	ADP
fsr-4224	235	12	pls	pls	PROPN
fsr-4224	235	13	rmse	rmse	PROPN
fsr-4224	235	14	values	value	NOUN
fsr-4224	235	15	are	be	AUX
fsr-4224	235	16	lower	low	ADJ
fsr-4224	235	17	than	than	ADP
fsr-4224	235	18	those	those	PRON
fsr-4224	235	19	of	of	ADP
fsr-4224	235	20	lm	lm	INTJ
fsr-4224	235	21	.	.	PUNCT
fsr-4224	236	1	in	in	ADP
fsr-4224	236	2	this	this	DET
fsr-4224	236	3	study	study	NOUN
fsr-4224	236	4	,	,	PUNCT
fsr-4224	236	5	as	as	SCONJ
fsr-4224	236	6	shown	show	VERB
fsr-4224	236	7	in	in	ADP
fsr-4224	236	8	table	table	NOUN
fsr-4224	236	9	6	6	NUM
fsr-4224	236	10	,	,	PUNCT
fsr-4224	236	11	the	the	DET
fsr-4224	236	12	rmse	rmse	ADJ
fsr-4224	236	13	values	value	NOUN
fsr-4224	236	14	for	for	ADP
fsr-4224	236	15	most	most	ADJ
fsr-4224	236	16	pls	pls	NOUN
fsr-4224	236	17	items	item	NOUN
fsr-4224	236	18	were	be	AUX
fsr-4224	236	19	higher	high	ADJ
fsr-4224	236	20	than	than	ADP
fsr-4224	236	21	those	those	PRON
fsr-4224	236	22	for	for	ADP
fsr-4224	236	23	lm	lm	NOUN
fsr-4224	236	24	items	item	NOUN
fsr-4224	236	25	,	,	PUNCT
fsr-4224	236	26	indicating	indicate	VERB
fsr-4224	236	27	low	low	ADJ
fsr-4224	236	28	predictive	predictive	ADJ
fsr-4224	236	29	power	power	NOUN
fsr-4224	236	30	for	for	ADP
fsr-4224	236	31	the	the	DET
fsr-4224	236	32	model	model	NOUN
fsr-4224	236	33	(	(	PUNCT
fsr-4224	236	34	chanda	chanda	PROPN
fsr-4224	236	35	et	et	PROPN
fsr-4224	236	36	al	al	PROPN
fsr-4224	236	37	.	.	PROPN
fsr-4224	236	38	,	,	PUNCT
fsr-4224	236	39	2023	2023	NUM
fsr-4224	236	40	)	)	PUNCT
fsr-4224	236	41	.	.	PUNCT
fsr-4224	237	1	table	table	NOUN
fsr-4224	237	2	6	6	NUM
fsr-4224	237	3	.	.	PUNCT
fsr-4224	238	1	results	result	NOUN
fsr-4224	238	2	of	of	ADP
fsr-4224	238	3	predictive	predictive	ADJ
fsr-4224	238	4	power	power	NOUN
fsr-4224	238	5	assessment	assessment	NOUN
fsr-4224	238	6	using	use	VERB
fsr-4224	238	7	plspredict	plspredict	ADJ
fsr-4224	238	8	items	item	NOUN
fsr-4224	238	9	of	of	ADP
fsr-4224	238	10	fmb	fmb	PROPN
fsr-4224	238	11	q²_predict	q²_predict	PROPN
fsr-4224	238	12	rmse	rmse	PROPN
fsr-4224	239	1	pls	pls	INTJ
fsr-4224	239	2	lm	lm	INTJ
fsr-4224	240	1	i	i	PRON
fsr-4224	240	2	budget	budget	NOUN
fsr-4224	240	3	and	and	CCONJ
fsr-4224	240	4	track	track	NOUN
fsr-4224	240	5	spending	spend	VERB
fsr-4224	240	6	0.26	0.26	NUM
fsr-4224	240	7	1.02	1.02	NUM
fsr-4224	240	8	1.03	1.03	NUM
fsr-4224	240	9	i	i	PRON
fsr-4224	240	10	read	read	VERB
fsr-4224	240	11	to	to	PART
fsr-4224	240	12	increase	increase	VERB
fsr-4224	240	13	my	my	PRON
fsr-4224	240	14	financial	financial	ADJ
fsr-4224	240	15	knowledge	knowledge	NOUN
fsr-4224	240	16	0.24	0.24	NUM
fsr-4224	240	17	1.16	1.16	NUM
fsr-4224	240	18	1.16	1.16	NUM
fsr-4224	241	1	i	i	PRON
fsr-4224	241	2	contribute	contribute	VERB
fsr-4224	241	3	to	to	ADP
fsr-4224	241	4	an	an	DET
fsr-4224	241	5	investment	investment	NOUN
fsr-4224	241	6	account	account	NOUN
fsr-4224	241	7	0.22	0.22	NUM
fsr-4224	241	8	1.34	1.34	NUM
fsr-4224	241	9	1.36	1.36	NUM
fsr-4224	241	10	i	i	PRON
fsr-4224	241	11	contribute	contribute	VERB
fsr-4224	241	12	to	to	ADP
fsr-4224	241	13	a	a	DET
fsr-4224	241	14	savings	saving	NOUN
fsr-4224	241	15	account	account	NOUN
fsr-4224	241	16	regularly	regularly	ADV
fsr-4224	241	17	0.15	0.15	NUM
fsr-4224	241	18	1.49	1.49	NUM
fsr-4224	241	19	1.53	1.53	NUM
fsr-4224	241	20	i	i	PRON
fsr-4224	241	21	find	find	VERB
fsr-4224	241	22	legal	legal	ADJ
fsr-4224	241	23	ways	way	NOUN
fsr-4224	241	24	to	to	PART
fsr-4224	241	25	lower	lower	VERB
fsr-4224	241	26	my	my	PRON
fsr-4224	241	27	taxes	taxis	NOUN
fsr-4224	241	28	0.06	0.06	NUM
fsr-4224	241	29	1.39	1.39	NUM
fsr-4224	241	30	1.41	1.41	NUM
fsr-4224	241	31	source	source	NOUN
fsr-4224	241	32	:	:	PUNCT
fsr-4224	241	33	(	(	PUNCT
fsr-4224	241	34	rasoolimanesh	rasoolimanesh	NOUN
fsr-4224	241	35	et	et	PROPN
fsr-4224	241	36	al	al	PROPN
fsr-4224	241	37	.	.	PROPN
fsr-4224	241	38	,	,	PUNCT
fsr-4224	241	39	2021	2021	NUM
fsr-4224	241	40	)	)	PUNCT
fsr-4224	241	41	fsqca	fsqca	NOUN
fsr-4224	241	42	analysis	analysis	NOUN
fsr-4224	241	43	we	we	PRON
fsr-4224	241	44	acknowledge	acknowledge	VERB
fsr-4224	241	45	that	that	SCONJ
fsr-4224	241	46	our	our	PRON
fsr-4224	241	47	sample	sample	NOUN
fsr-4224	241	48	is	be	AUX
fsr-4224	241	49	crosssectional	crosssectional	ADJ
fsr-4224	241	50	and	and	CCONJ
fsr-4224	241	51	relatively	relatively	ADV
fsr-4224	241	52	small	small	ADJ
fsr-4224	241	53	,	,	PUNCT
fsr-4224	241	54	but	but	CCONJ
fsr-4224	241	55	it	it	PRON
fsr-4224	241	56	meets	meet	VERB
fsr-4224	241	57	the	the	DET
fsr-4224	241	58	criteria	criterion	NOUN
fsr-4224	241	59	for	for	ADP
fsr-4224	241	60	conducting	conduct	VERB
fsr-4224	241	61	pls	pls	NOUN
fsr-4224	241	62	-	-	PUNCT
fsr-4224	241	63	sem	sem	NOUN
fsr-4224	241	64	(	(	PUNCT
fsr-4224	241	65	partial	partial	ADJ
fsr-4224	241	66	least	least	ADJ
fsr-4224	241	67	squares	square	NOUN
fsr-4224	241	68	structural	structural	ADJ
fsr-4224	241	69	equation	equation	NOUN
fsr-4224	241	70	modeling	modeling	NOUN
fsr-4224	241	71	)	)	PUNCT
fsr-4224	241	72	.	.	PUNCT
fsr-4224	242	1	to	to	PART
fsr-4224	242	2	address	address	VERB
fsr-4224	242	3	the	the	DET
fsr-4224	242	4	deemed	deem	VERB
fsr-4224	242	5	limitations	limitation	NOUN
fsr-4224	242	6	associated	associate	VERB
fsr-4224	242	7	with	with	ADP
fsr-4224	242	8	a	a	DET
fsr-4224	242	9	smaller	small	ADJ
fsr-4224	242	10	sample	sample	NOUN
fsr-4224	242	11	size	size	NOUN
fsr-4224	242	12	,	,	PUNCT
fsr-4224	242	13	this	this	DET
fsr-4224	242	14	study	study	NOUN
fsr-4224	242	15	also	also	ADV
fsr-4224	242	16	employs	employ	VERB
fsr-4224	242	17	fuzzy	fuzzy	ADJ
fsr-4224	242	18	-	-	PUNCT
fsr-4224	242	19	set	set	VERB
fsr-4224	242	20	qualitative	qualitative	ADJ
fsr-4224	242	21	comparative	comparative	ADJ
fsr-4224	242	22	analysis	analysis	NOUN
fsr-4224	242	23	(	(	PUNCT
fsr-4224	242	24	fsqca	fsqca	NOUN
fsr-4224	242	25	)	)	PUNCT
fsr-4224	242	26	using	use	VERB
fsr-4224	242	27	version	version	NOUN
fsr-4224	242	28	3.0	3.0	NUM
fsr-4224	242	29	,	,	PUNCT
fsr-4224	242	30	an	an	DET
fsr-4224	242	31	increasingly	increasingly	ADV
fsr-4224	242	32	popular	popular	ADJ
fsr-4224	242	33	asymmetric	asymmetric	ADJ
fsr-4224	242	34	method	method	NOUN
fsr-4224	242	35	for	for	ADP
fsr-4224	242	36	understanding	understand	VERB
fsr-4224	242	37	the	the	DET
fsr-4224	242	38	complex	complex	ADJ
fsr-4224	242	39	interdependencies	interdependency	NOUN
fsr-4224	242	40	among	among	ADP
fsr-4224	242	41	the	the	DET
fsr-4224	242	42	antecedents	antecedent	NOUN
fsr-4224	242	43	of	of	ADP
fsr-4224	242	44	young	young	ADJ
fsr-4224	242	45	adults	adult	NOUN
fsr-4224	242	46	'	'	PART
fsr-4224	242	47	financial	financial	ADJ
fsr-4224	242	48	management	management	NOUN
fsr-4224	242	49	behavior	behavior	NOUN
fsr-4224	242	50	(	(	PUNCT
fsr-4224	242	51	gil	gil	PROPN
fsr-4224	242	52	-	-	PROPN
fsr-4224	242	53	cordero	cordero	PROPN
fsr-4224	242	54	et	et	PROPN
fsr-4224	242	55	al	al	PROPN
fsr-4224	242	56	.	.	PROPN
fsr-4224	242	57	,	,	PUNCT
fsr-4224	242	58	2024	2024	NUM
fsr-4224	242	59	)	)	PUNCT
fsr-4224	242	60	.	.	PUNCT
fsr-4224	243	1	combining	combine	VERB
fsr-4224	243	2	pls	pls	NOUN
fsr-4224	243	3	-	-	PUNCT
fsr-4224	243	4	sem	sem	NOUN
fsr-4224	243	5	and	and	CCONJ
fsr-4224	243	6	fsqca	fsqca	NOUN
fsr-4224	243	7	is	be	AUX
fsr-4224	243	8	advantageous	advantageous	ADJ
fsr-4224	243	9	because	because	SCONJ
fsr-4224	243	10	these	these	DET
fsr-4224	243	11	approaches	approach	NOUN
fsr-4224	243	12	offer	offer	VERB
fsr-4224	243	13	distinct	distinct	ADJ
fsr-4224	243	14	but	but	CCONJ
fsr-4224	243	15	complementary	complementary	ADJ
fsr-4224	243	16	insights	insight	NOUN
fsr-4224	243	17	into	into	ADP
fsr-4224	243	18	the	the	DET
fsr-4224	243	19	data	datum	NOUN
fsr-4224	243	20	.	.	PUNCT
fsr-4224	244	1	pls	pls	INTJ
fsr-4224	244	2	-	-	PUNCT
fsr-4224	244	3	sem	sem	PROPN
fsr-4224	244	4	is	be	AUX
fsr-4224	244	5	a	a	DET
fsr-4224	244	6	variance	variance	NOUN
fsr-4224	244	7	-	-	PUNCT
fsr-4224	244	8	based	base	VERB
fsr-4224	244	9	method	method	NOUN
fsr-4224	244	10	that	that	PRON
fsr-4224	244	11	estimates	estimate	VERB
fsr-4224	244	12	the	the	DET
fsr-4224	244	13	average	average	ADJ
fsr-4224	244	14	influence	influence	NOUN
fsr-4224	244	15	and	and	CCONJ
fsr-4224	244	16	significance	significance	NOUN
fsr-4224	244	17	(	(	PUNCT
fsr-4224	244	18	net	net	ADJ
fsr-4224	244	19	effects	effect	NOUN
fsr-4224	244	20	)	)	PUNCT
fsr-4224	244	21	of	of	ADP
fsr-4224	244	22	each	each	DET
fsr-4224	244	23	predictor	predictor	NOUN
fsr-4224	244	24	on	on	ADP
fsr-4224	244	25	an	an	DET
fsr-4224	244	26	outcome	outcome	NOUN
fsr-4224	244	27	,	,	PUNCT
fsr-4224	244	28	making	make	VERB
fsr-4224	244	29	it	it	PRON
fsr-4224	244	30	well	well	ADV
fsr-4224	244	31	-	-	PUNCT
fsr-4224	244	32	suited	suit	VERB
fsr-4224	244	33	for	for	ADP
fsr-4224	244	34	smaller	small	ADJ
fsr-4224	244	35	samples	sample	NOUN
fsr-4224	244	36	and	and	CCONJ
fsr-4224	244	37	complex	complex	ADJ
fsr-4224	244	38	models	model	NOUN
fsr-4224	244	39	without	without	ADP
fsr-4224	244	40	strict	strict	ADJ
fsr-4224	244	41	distributional	distributional	ADJ
fsr-4224	244	42	assumptions	assumption	NOUN
fsr-4224	244	43	(	(	PUNCT
fsr-4224	244	44	de	de	X
fsr-4224	244	45	andrés	andrés	ADJ
fsr-4224	244	46	-	-	PUNCT
fsr-4224	244	47	sánchez	sánchez	PROPN
fsr-4224	244	48	&	&	CCONJ
fsr-4224	244	49	puchades	puchades	PROPN
fsr-4224	244	50	,	,	PUNCT
fsr-4224	244	51	2023	2023	NUM
fsr-4224	244	52	)	)	PUNCT
fsr-4224	244	53	.	.	PUNCT
fsr-4224	245	1	in	in	ADP
fsr-4224	245	2	contrast	contrast	NOUN
fsr-4224	245	3	,	,	PUNCT
fsr-4224	245	4	fsqca	fsqca	PROPN
fsr-4224	245	5	is	be	AUX
fsr-4224	245	6	a	a	DET
fsr-4224	245	7	set	set	NOUN
fsr-4224	245	8	-	-	PUNCT
fsr-4224	245	9	theoretic	theoretic	NOUN
fsr-4224	245	10	,	,	PUNCT
fsr-4224	245	11	case	case	NOUN
fsr-4224	245	12	-	-	PUNCT
fsr-4224	245	13	oriented	orient	VERB
fsr-4224	245	14	approach	approach	NOUN
fsr-4224	245	15	(	(	PUNCT
fsr-4224	245	16	treats	treat	VERB
fsr-4224	245	17	the	the	DET
fsr-4224	245	18	responses	response	NOUN
fsr-4224	245	19	as	as	ADP
fsr-4224	245	20	‘	'	PUNCT
fsr-4224	245	21	cases	case	NOUN
fsr-4224	245	22	’	'	PUNCT
fsr-4224	245	23	)	)	PUNCT
fsr-4224	245	24	that	that	PRON
fsr-4224	245	25	focuses	focus	VERB
fsr-4224	245	26	on	on	ADP
fsr-4224	245	27	identifying	identify	VERB
fsr-4224	245	28	the	the	DET
fsr-4224	245	29	specific	specific	ADJ
fsr-4224	245	30	combinations	combination	NOUN
fsr-4224	245	31	(	(	PUNCT
fsr-4224	245	32	or	or	CCONJ
fsr-4224	245	33	"	"	PUNCT
fsr-4224	245	34	recipes	recipe	NOUN
fsr-4224	245	35	"	"	PUNCT
fsr-4224	245	36	)	)	PUNCT
fsr-4224	245	37	of	of	ADP
fsr-4224	245	38	conditions	condition	NOUN
fsr-4224	245	39	that	that	PRON
fsr-4224	245	40	are	be	AUX
fsr-4224	245	41	sufficient	sufficient	ADJ
fsr-4224	245	42	(	(	PUNCT
fsr-4224	245	43	and	and	CCONJ
fsr-4224	245	44	sometimes	sometimes	ADV
fsr-4224	245	45	necessary	necessary	ADJ
fsr-4224	245	46	)	)	PUNCT
fsr-4224	245	47	for	for	ADP
fsr-4224	245	48	the	the	DET
fsr-4224	245	49	observed	observed	ADJ
fsr-4224	245	50	outcomes	outcome	NOUN
fsr-4224	245	51	(	(	PUNCT
fsr-4224	245	52	ahamed	ahamed	PROPN
fsr-4224	245	53	et	et	PROPN
fsr-4224	245	54	al	al	PROPN
fsr-4224	245	55	.	.	PROPN
fsr-4224	245	56	,	,	PUNCT
fsr-4224	245	57	2024	2024	NUM
fsr-4224	245	58	;	;	PUNCT
fsr-4224	245	59	chanda	chanda	PROPN
fsr-4224	245	60	et	et	PROPN
fsr-4224	245	61	al	al	PROPN
fsr-4224	245	62	.	.	PROPN
fsr-4224	245	63	,	,	PUNCT
fsr-4224	245	64	2023	2023	NUM
fsr-4224	245	65	;	;	PUNCT
fsr-4224	245	66	fainshmidt	fainshmidt	PROPN
fsr-4224	245	67	et	et	PROPN
fsr-4224	245	68	al	al	PROPN
fsr-4224	245	69	.	.	PROPN
fsr-4224	245	70	,	,	PUNCT
fsr-4224	245	71	2020	2020	NUM
fsr-4224	245	72	;	;	PUNCT
fsr-4224	245	73	ragin	ragin	NOUN
fsr-4224	245	74	,	,	PUNCT
fsr-4224	245	75	2009	2009	NUM
fsr-4224	245	76	;	;	PUNCT
fsr-4224	245	77	rasoolimanesh	rasoolimanesh	NOUN
fsr-4224	245	78	et	et	PROPN
fsr-4224	245	79	al	al	PROPN
fsr-4224	245	80	.	.	PROPN
fsr-4224	245	81	,	,	PUNCT
fsr-4224	245	82	2021	2021	NUM
fsr-4224	245	83	)	)	PUNCT
fsr-4224	245	84	.	.	PUNCT
fsr-4224	246	1	while	while	SCONJ
fsr-4224	246	2	pls	pls	NOUN
fsr-4224	246	3	-	-	PUNCT
fsr-4224	246	4	sem	sem	NOUN
fsr-4224	246	5	quantifies	quantifie	NOUN
fsr-4224	246	6	the	the	DET
fsr-4224	246	7	strength	strength	NOUN
fsr-4224	246	8	and	and	CCONJ
fsr-4224	246	9	direction	direction	NOUN
fsr-4224	246	10	of	of	ADP
fsr-4224	246	11	each	each	DET
fsr-4224	246	12	path	path	NOUN
fsr-4224	246	13	within	within	ADP
fsr-4224	246	14	a	a	DET
fsr-4224	246	15	structural	structural	ADJ
fsr-4224	246	16	model	model	NOUN
fsr-4224	246	17	,	,	PUNCT
fsr-4224	246	18	fsqca	fsqca	NOUN
fsr-4224	246	19	captures	capture	VERB
fsr-4224	246	20	complex	complex	ADJ
fsr-4224	246	21	causal	causal	ADJ
fsr-4224	246	22	relationships	relationship	NOUN
fsr-4224	246	23	by	by	ADP
fsr-4224	246	24	identifying	identify	VERB
fsr-4224	246	25	configurations	configuration	NOUN
fsr-4224	246	26	of	of	ADP
fsr-4224	246	27	factors	factor	NOUN
fsr-4224	246	28	that	that	PRON
fsr-4224	246	29	together	together	ADV
fsr-4224	246	30	produce	produce	VERB
fsr-4224	246	31	a	a	DET
fsr-4224	246	32	given	give	VERB
fsr-4224	246	33	outcome	outcome	NOUN
fsr-4224	246	34	,	,	PUNCT
fsr-4224	246	35	even	even	ADV
fsr-4224	246	36	when	when	SCONJ
fsr-4224	246	37	individual	individual	ADJ
fsr-4224	246	38	factors	factor	NOUN
fsr-4224	246	39	alone	alone	ADV
fsr-4224	246	40	might	might	AUX
fsr-4224	246	41	have	have	VERB
fsr-4224	246	42	weak	weak	ADJ
fsr-4224	246	43	or	or	CCONJ
fsr-4224	246	44	inconsistent	inconsistent	ADJ
fsr-4224	246	45	effects	effect	NOUN
fsr-4224	246	46	(	(	PUNCT
fsr-4224	246	47	ragin	ragin	ADJ
fsr-4224	246	48	,	,	PUNCT
fsr-4224	246	49	2008	2008	NUM
fsr-4224	246	50	,	,	PUNCT
fsr-4224	246	51	2009	2009	NUM
fsr-4224	246	52	;	;	PUNCT
fsr-4224	246	53	de	de	X
fsr-4224	246	54	andrés	andrés	ADJ
fsr-4224	246	55	-	-	PUNCT
fsr-4224	246	56	sánchez	sánchez	PROPN
fsr-4224	246	57	&	&	CCONJ
fsr-4224	246	58	puchades	puchades	PROPN
fsr-4224	246	59	,	,	PUNCT
fsr-4224	246	60	2023	2023	NUM
fsr-4224	246	61	)	)	PUNCT
fsr-4224	246	62	.	.	PUNCT
fsr-4224	247	1	a	a	DET
fsr-4224	247	2	key	key	ADJ
fsr-4224	247	3	advantage	advantage	NOUN
fsr-4224	247	4	of	of	ADP
fsr-4224	247	5	fsqca	fsqca	NOUN
fsr-4224	247	6	is	be	AUX
fsr-4224	247	7	its	its	PRON
fsr-4224	247	8	ability	ability	NOUN
fsr-4224	247	9	to	to	PART
fsr-4224	247	10	account	account	VERB
fsr-4224	247	11	for	for	ADP
fsr-4224	247	12	conjunctural	conjunctural	ADJ
fsr-4224	247	13	causation	causation	NOUN
fsr-4224	247	14	and	and	CCONJ
fsr-4224	247	15	equifinality	equifinality	NOUN
fsr-4224	247	16	,	,	PUNCT
fsr-4224	247	17	meaning	mean	VERB
fsr-4224	247	18	that	that	SCONJ
fsr-4224	247	19	multiple	multiple	ADJ
fsr-4224	247	20	,	,	PUNCT
fsr-4224	247	21	non	non	ADJ
fsr-4224	247	22	-	-	ADJ
fsr-4224	247	23	exclusive	exclusive	ADJ
fsr-4224	247	24	combinations	combination	NOUN
fsr-4224	247	25	of	of	ADP
fsr-4224	247	26	conditions	condition	NOUN
fsr-4224	247	27	can	can	AUX
fsr-4224	247	28	lead	lead	VERB
fsr-4224	247	29	to	to	ADP
fsr-4224	247	30	the	the	DET
fsr-4224	247	31	same	same	ADJ
fsr-4224	247	32	outcome	outcome	NOUN
fsr-4224	247	33	(	(	PUNCT
fsr-4224	247	34	ragin	ragin	ADJ
fsr-4224	247	35	,	,	PUNCT
fsr-4224	247	36	2008	2008	NUM
fsr-4224	247	37	)	)	PUNCT
fsr-4224	247	38	.	.	PUNCT
fsr-4224	248	1	this	this	DET
fsr-4224	248	2	approach	approach	NOUN
fsr-4224	248	3	recognizes	recognize	VERB
fsr-4224	248	4	that	that	SCONJ
fsr-4224	248	5	the	the	DET
fsr-4224	248	6	same	same	ADJ
fsr-4224	248	7	factor	factor	NOUN
fsr-4224	248	8	may	may	AUX
fsr-4224	248	9	have	have	VERB
fsr-4224	248	10	different	different	ADJ
fsr-4224	248	11	effects	effect	NOUN
fsr-4224	248	12	depending	depend	VERB
fsr-4224	248	13	on	on	ADP
fsr-4224	248	14	the	the	DET
fsr-4224	248	15	context	context	NOUN
fsr-4224	248	16	or	or	CCONJ
fsr-4224	248	17	combination	combination	NOUN
fsr-4224	248	18	in	in	ADP
fsr-4224	248	19	which	which	PRON
fsr-4224	248	20	it	it	PRON
fsr-4224	248	21	appears	appear	VERB
fsr-4224	248	22	,	,	PUNCT
fsr-4224	248	23	capturing	capture	VERB
fsr-4224	248	24	causal	causal	ADJ
fsr-4224	248	25	asymmetry	asymmetry	NOUN
fsr-4224	248	26	more	more	ADV
fsr-4224	248	27	effectively	effectively	ADV
fsr-4224	248	28	than	than	ADP
fsr-4224	248	29	traditional	traditional	ADJ
fsr-4224	248	30	symmetric	symmetric	ADJ
fsr-4224	248	31	models	model	NOUN
fsr-4224	248	32	like	like	ADP
fsr-4224	248	33	pls	pls	INTJ
fsr-4224	248	34	-	-	PUNCT
fsr-4224	248	35	sem	sem	NOUN
fsr-4224	248	36	(	(	PUNCT
fsr-4224	248	37	de	de	NOUN
fsr-4224	248	38	andrés	andrés	ADJ
fsr-4224	248	39	-	-	PUNCT
fsr-4224	248	40	sánchez	sánchez	PROPN
fsr-4224	248	41	&	&	CCONJ
fsr-4224	248	42	puchades	puchades	PROPN
fsr-4224	248	43	,	,	PUNCT
fsr-4224	248	44	2023	2023	NUM
fsr-4224	248	45	)	)	PUNCT
fsr-4224	248	46	.	.	PUNCT
fsr-4224	249	1	both	both	DET
fsr-4224	249	2	methods	method	NOUN
fsr-4224	249	3	are	be	AUX
fsr-4224	249	4	particularly	particularly	ADV
fsr-4224	249	5	suitable	suitable	ADJ
fsr-4224	249	6	for	for	ADP
fsr-4224	249	7	studies	study	NOUN
fsr-4224	249	8	with	with	ADP
fsr-4224	249	9	smaller	small	ADJ
fsr-4224	249	10	cross	cross	ADJ
fsr-4224	249	11	-	-	ADJ
fsr-4224	249	12	sectional	sectional	ADJ
fsr-4224	249	13	samples	sample	NOUN
fsr-4224	249	14	,	,	PUNCT
fsr-4224	249	15	which	which	PRON
fsr-4224	249	16	are	be	AUX
fsr-4224	249	17	common	common	ADJ
fsr-4224	249	18	in	in	ADP
fsr-4224	249	19	behavioral	behavioral	ADJ
fsr-4224	249	20	research	research	NOUN
fsr-4224	249	21	.	.	PUNCT
fsr-4224	250	1	plssem	plssem	PROPN
fsr-4224	250	2	,	,	PUNCT
fsr-4224	250	3	for	for	ADP
fsr-4224	250	4	instance	instance	NOUN
fsr-4224	250	5	,	,	PUNCT
fsr-4224	250	6	is	be	AUX
fsr-4224	250	7	known	know	VERB
fsr-4224	250	8	for	for	ADP
fsr-4224	250	9	its	its	PRON
fsr-4224	250	10	flexibility	flexibility	NOUN
fsr-4224	250	11	with	with	ADP
fsr-4224	250	12	small	small	ADJ
fsr-4224	250	13	sample	sample	NOUN
fsr-4224	250	14	sizes	size	NOUN
fsr-4224	250	15	and	and	CCONJ
fsr-4224	250	16	does	do	AUX
fsr-4224	250	17	not	not	PART
fsr-4224	250	18	require	require	VERB
fsr-4224	250	19	normally	normally	ADV
fsr-4224	250	20	distributed	distribute	VERB
fsr-4224	250	21	data	datum	NOUN
fsr-4224	250	22	(	(	PUNCT
fsr-4224	250	23	de	de	X
fsr-4224	250	24	andrés	andrés	ADJ
fsr-4224	250	25	-	-	PUNCT
fsr-4224	250	26	sánchez	sánchez	PROPN
fsr-4224	250	27	&	&	CCONJ
fsr-4224	250	28	puchades	puchades	PROPN
fsr-4224	250	29	,	,	PUNCT
fsr-4224	250	30	2023	2023	NUM
fsr-4224	250	31	)	)	PUNCT
fsr-4224	250	32	.	.	PUNCT
fsr-4224	251	1	it	it	PRON
fsr-4224	251	2	also	also	ADV
fsr-4224	251	3	relies	rely	VERB
fsr-4224	251	4	on	on	ADP
fsr-4224	251	5	bootstrapping	bootstrappe	VERB
fsr-4224	251	6	for	for	ADP
fsr-4224	251	7	significance	significance	NOUN
fsr-4224	251	8	testing	testing	NOUN
fsr-4224	251	9	,	,	PUNCT
fsr-4224	251	10	making	make	VERB
fsr-4224	251	11	it	it	PRON
fsr-4224	251	12	effective	effective	ADJ
fsr-4224	251	13	for	for	ADP
fsr-4224	251	14	studies	study	NOUN
fsr-4224	251	15	with	with	ADP
fsr-4224	251	16	limited	limited	ADJ
fsr-4224	251	17	n	n	PROPN
fsr-4224	251	18	(	(	PUNCT
fsr-4224	251	19	hair	hair	NOUN
fsr-4224	251	20	et	et	PROPN
fsr-4224	251	21	al	al	PROPN
fsr-4224	251	22	.	.	PROPN
fsr-4224	251	23	,	,	PUNCT
fsr-4224	251	24	2019	2019	NUM
fsr-4224	251	25	)	)	PUNCT
fsr-4224	251	26	.	.	PUNCT
fsr-4224	252	1	similarly	similarly	ADV
fsr-4224	252	2	,	,	PUNCT
fsr-4224	252	3	fsqca	fsqca	NOUN
fsr-4224	252	4	,	,	PUNCT
fsr-4224	252	5	originally	originally	ADV
fsr-4224	252	6	developed	develop	VERB
fsr-4224	252	7	for	for	ADP
fsr-4224	252	8	medium	medium	ADJ
fsr-4224	252	9	-	-	PUNCT
fsr-4224	252	10	sized	sized	ADJ
fsr-4224	252	11	samples	sample	NOUN
fsr-4224	252	12	(	(	PUNCT
fsr-4224	252	13	10–50	10–50	NUM
fsr-4224	252	14	cases	case	NOUN
fsr-4224	252	15	/	/	SYM
fsr-4224	252	16	responses	response	NOUN
fsr-4224	252	17	)	)	PUNCT
fsr-4224	252	18	,	,	PUNCT
fsr-4224	252	19	is	be	AUX
fsr-4224	252	20	not	not	PART
fsr-4224	252	21	constrained	constrain	VERB
fsr-4224	252	22	by	by	ADP
fsr-4224	252	23	the	the	DET
fsr-4224	252	24	large	large	ADJ
fsr-4224	252	25	-	-	PUNCT
fsr-4224	252	26	n	n	NOUN
fsr-4224	252	27	assumptions	assumption	NOUN
fsr-4224	252	28	of	of	ADP
fsr-4224	252	29	conventional	conventional	ADJ
fsr-4224	252	30	regression	regression	NOUN
fsr-4224	252	31	analysis	analysis	NOUN
fsr-4224	252	32	,	,	PUNCT
fsr-4224	252	33	making	make	VERB
fsr-4224	252	34	it	it	PRON
fsr-4224	252	35	a	a	DET
fsr-4224	252	36	powerful	powerful	ADJ
fsr-4224	252	37	tool	tool	NOUN
fsr-4224	252	38	for	for	ADP
fsr-4224	252	39	analyzing	analyze	VERB
fsr-4224	252	40	smaller	small	ADJ
fsr-4224	252	41	data	datum	NOUN
fsr-4224	252	42	sets	set	NOUN
fsr-4224	252	43	(	(	PUNCT
fsr-4224	252	44	ahamed	ahamed	PROPN
fsr-4224	252	45	,	,	PUNCT
fsr-4224	252	46	2024	2024	NUM
fsr-4224	252	47	;	;	PUNCT
fsr-4224	252	48	chanda	chanda	PROPN
fsr-4224	252	49	et	et	PROPN
fsr-4224	252	50	al	al	PROPN
fsr-4224	252	51	.	.	PROPN
fsr-4224	252	52	,	,	PUNCT
fsr-4224	252	53	financial	financial	ADJ
fsr-4224	252	54	services	service	NOUN
fsr-4224	252	55	review	review	NOUN
fsr-4224	252	56	,	,	PUNCT
fsr-4224	252	57	33(4	33(4	NUM
fsr-4224	252	58	)	)	PUNCT
fsr-4224	252	59	176	176	NUM
fsr-4224	252	60	2023	2023	NUM
fsr-4224	252	61	;	;	PUNCT
fsr-4224	252	62	fainshmidt	fainshmidt	VERB
fsr-4224	252	63	et	et	PROPN
fsr-4224	252	64	al	al	PROPN
fsr-4224	252	65	.	.	PROPN
fsr-4224	252	66	,	,	PUNCT
fsr-4224	252	67	2020	2020	NUM
fsr-4224	252	68	;	;	PUNCT
fsr-4224	252	69	ragin	ragin	NOUN
fsr-4224	252	70	,	,	PUNCT
fsr-4224	252	71	2009	2009	NUM
fsr-4224	252	72	)	)	PUNCT
fsr-4224	252	73	.	.	PUNCT
fsr-4224	253	1	recent	recent	ADJ
fsr-4224	253	2	studies	study	NOUN
fsr-4224	253	3	confirm	confirm	VERB
fsr-4224	253	4	that	that	SCONJ
fsr-4224	253	5	fsqca	fsqca	NOUN
fsr-4224	253	6	can	can	AUX
fsr-4224	253	7	still	still	ADV
fsr-4224	253	8	yield	yield	VERB
fsr-4224	253	9	robust	robust	ADJ
fsr-4224	253	10	results	result	NOUN
fsr-4224	253	11	even	even	ADV
fsr-4224	253	12	with	with	ADP
fsr-4224	253	13	small	small	ADJ
fsr-4224	253	14	samples	sample	NOUN
fsr-4224	253	15	,	,	PUNCT
fsr-4224	253	16	as	as	SCONJ
fsr-4224	253	17	it	it	PRON
fsr-4224	253	18	assesses	assess	VERB
fsr-4224	253	19	subset	subset	NOUN
fsr-4224	253	20	relations	relation	NOUN
fsr-4224	253	21	rather	rather	ADV
fsr-4224	253	22	than	than	ADP
fsr-4224	253	23	relying	rely	VERB
fsr-4224	253	24	on	on	ADP
fsr-4224	253	25	probability	probability	NOUN
fsr-4224	253	26	distributions	distribution	NOUN
fsr-4224	253	27	(	(	PUNCT
fsr-4224	253	28	de	de	X
fsr-4224	253	29	andrés	andrés	ADJ
fsr-4224	253	30	-	-	PUNCT
fsr-4224	253	31	sánchez	sánchez	PROPN
fsr-4224	253	32	&	&	CCONJ
fsr-4224	253	33	puchades	puchades	PROPN
fsr-4224	253	34	,	,	PUNCT
fsr-4224	253	35	2023	2023	NUM
fsr-4224	253	36	;	;	PUNCT
fsr-4224	253	37	fainshmidt	fainshmidt	NUM
fsr-4224	253	38	et	et	PROPN
fsr-4224	253	39	al	al	PROPN
fsr-4224	253	40	.	.	PROPN
fsr-4224	253	41	,	,	PUNCT
fsr-4224	253	42	2020	2020	NUM
fsr-4224	253	43	)	)	PUNCT
fsr-4224	253	44	.	.	PUNCT
fsr-4224	254	1	regarding	regard	VERB
fsr-4224	254	2	causal	causal	NOUN
fsr-4224	254	3	inference	inference	NOUN
fsr-4224	254	4	,	,	PUNCT
fsr-4224	254	5	fsqca	fsqca	NOUN
fsr-4224	254	6	provides	provide	VERB
fsr-4224	254	7	a	a	DET
fsr-4224	254	8	unique	unique	ADJ
fsr-4224	254	9	advantage	advantage	NOUN
fsr-4224	254	10	by	by	ADP
fsr-4224	254	11	evaluating	evaluate	VERB
fsr-4224	254	12	necessity	necessity	NOUN
fsr-4224	254	13	and	and	CCONJ
fsr-4224	254	14	sufficiency	sufficiency	NOUN
fsr-4224	254	15	relationships	relationship	NOUN
fsr-4224	254	16	within	within	ADP
fsr-4224	254	17	the	the	DET
fsr-4224	254	18	data	datum	NOUN
fsr-4224	254	19	.	.	PUNCT
fsr-4224	255	1	it	it	PRON
fsr-4224	255	2	examines	examine	VERB
fsr-4224	255	3	the	the	DET
fsr-4224	255	4	associations	association	NOUN
fsr-4224	255	5	between	between	ADP
fsr-4224	255	6	conditions	condition	NOUN
fsr-4224	255	7	(	(	PUNCT
fsr-4224	255	8	or	or	CCONJ
fsr-4224	255	9	combinations	combination	NOUN
fsr-4224	255	10	)	)	PUNCT
fsr-4224	255	11	that	that	PRON
fsr-4224	255	12	are	be	AUX
fsr-4224	255	13	always	always	ADV
fsr-4224	255	14	present	present	ADJ
fsr-4224	255	15	when	when	SCONJ
fsr-4224	255	16	the	the	DET
fsr-4224	255	17	outcome	outcome	NOUN
fsr-4224	255	18	occurs	occur	VERB
fsr-4224	255	19	(	(	PUNCT
fsr-4224	255	20	necessary	necessary	ADJ
fsr-4224	255	21	conditions	condition	NOUN
fsr-4224	255	22	)	)	PUNCT
fsr-4224	255	23	or	or	CCONJ
fsr-4224	255	24	that	that	PRON
fsr-4224	255	25	consistently	consistently	ADV
fsr-4224	255	26	lead	lead	VERB
fsr-4224	255	27	to	to	ADP
fsr-4224	255	28	the	the	DET
fsr-4224	255	29	outcome	outcome	NOUN
fsr-4224	255	30	(	(	PUNCT
fsr-4224	255	31	sufficient	sufficient	ADJ
fsr-4224	255	32	conditions	condition	NOUN
fsr-4224	255	33	)	)	PUNCT
fsr-4224	255	34	(	(	PUNCT
fsr-4224	255	35	ragin	ragin	ADJ
fsr-4224	255	36	,	,	PUNCT
fsr-4224	255	37	2008	2008	NUM
fsr-4224	255	38	,	,	PUNCT
fsr-4224	255	39	2009	2009	NUM
fsr-4224	255	40	)	)	PUNCT
fsr-4224	255	41	.	.	PUNCT
fsr-4224	256	1	unlike	unlike	ADP
fsr-4224	256	2	regression	regression	NOUN
fsr-4224	256	3	-	-	PUNCT
fsr-4224	256	4	based	base	VERB
fsr-4224	256	5	approaches	approach	NOUN
fsr-4224	256	6	,	,	PUNCT
fsr-4224	256	7	fsqca	fsqca	PROPN
fsr-4224	256	8	does	do	AUX
fsr-4224	256	9	not	not	PART
fsr-4224	256	10	rely	rely	VERB
fsr-4224	256	11	on	on	ADP
fsr-4224	256	12	p	p	NOUN
fsr-4224	256	13	-	-	PUNCT
fsr-4224	256	14	values	value	NOUN
fsr-4224	256	15	but	but	CCONJ
fsr-4224	256	16	instead	instead	ADV
fsr-4224	256	17	assesses	assess	VERB
fsr-4224	256	18	consistency	consistency	NOUN
fsr-4224	256	19	and	and	CCONJ
fsr-4224	256	20	coverage	coverage	NOUN
fsr-4224	256	21	scores	score	NOUN
fsr-4224	256	22	to	to	PART
fsr-4224	256	23	determine	determine	VERB
fsr-4224	256	24	the	the	DET
fsr-4224	256	25	strength	strength	NOUN
fsr-4224	256	26	of	of	ADP
fsr-4224	256	27	these	these	DET
fsr-4224	256	28	causal	causal	ADJ
fsr-4224	256	29	links	link	NOUN
fsr-4224	256	30	(	(	PUNCT
fsr-4224	256	31	vis	vis	X
fsr-4224	256	32	&	&	CCONJ
fsr-4224	256	33	dul	dul	PROPN
fsr-4224	256	34	,	,	PUNCT
fsr-4224	256	35	2018	2018	NUM
fsr-4224	256	36	)	)	PUNCT
fsr-4224	256	37	.	.	PUNCT
fsr-4224	257	1	for	for	ADP
fsr-4224	257	2	example	example	NOUN
fsr-4224	257	3	,	,	PUNCT
fsr-4224	257	4	if	if	SCONJ
fsr-4224	257	5	financial	financial	ADJ
fsr-4224	257	6	literacy	literacy	NOUN
fsr-4224	257	7	and	and	CCONJ
fsr-4224	257	8	self	self	NOUN
fsr-4224	257	9	-	-	PUNCT
fsr-4224	257	10	control	control	NOUN
fsr-4224	257	11	consistently	consistently	ADV
fsr-4224	257	12	co	co	VERB
fsr-4224	257	13	-	-	VERB
fsr-4224	257	14	occur	occur	VERB
fsr-4224	257	15	with	with	ADP
fsr-4224	257	16	positive	positive	ADJ
fsr-4224	257	17	financial	financial	ADJ
fsr-4224	257	18	management	management	NOUN
fsr-4224	257	19	behavior	behavior	NOUN
fsr-4224	257	20	,	,	PUNCT
fsr-4224	257	21	this	this	DET
fsr-4224	257	22	combination	combination	NOUN
fsr-4224	257	23	would	would	AUX
fsr-4224	257	24	be	be	AUX
fsr-4224	257	25	considered	consider	VERB
fsr-4224	257	26	a	a	DET
fsr-4224	257	27	sufficient	sufficient	ADJ
fsr-4224	257	28	configuration	configuration	NOUN
fsr-4224	257	29	,	,	PUNCT
fsr-4224	257	30	supporting	support	VERB
fsr-4224	257	31	a	a	DET
fsr-4224	257	32	causal	causal	ADJ
fsr-4224	257	33	interpretation	interpretation	NOUN
fsr-4224	257	34	under	under	ADP
fsr-4224	257	35	the	the	DET
fsr-4224	257	36	assumption	assumption	NOUN
fsr-4224	257	37	of	of	ADP
fsr-4224	257	38	causal	causal	ADJ
fsr-4224	257	39	complexity	complexity	NOUN
fsr-4224	257	40	.	.	PUNCT
fsr-4224	258	1	in	in	ADP
fsr-4224	258	2	summary	summary	NOUN
fsr-4224	258	3	,	,	PUNCT
fsr-4224	258	4	integrating	integrate	VERB
fsr-4224	258	5	pls	pls	NOUN
fsr-4224	258	6	-	-	PUNCT
fsr-4224	258	7	sem	sem	NOUN
fsr-4224	258	8	and	and	CCONJ
fsr-4224	258	9	fsqca	fsqca	NOUN
fsr-4224	258	10	in	in	ADP
fsr-4224	258	11	a	a	DET
fsr-4224	258	12	single	single	ADJ
fsr-4224	258	13	study	study	NOUN
fsr-4224	258	14	provides	provide	VERB
fsr-4224	258	15	a	a	DET
fsr-4224	258	16	more	more	ADV
fsr-4224	258	17	comprehensive	comprehensive	ADJ
fsr-4224	258	18	analysis	analysis	NOUN
fsr-4224	258	19	by	by	ADP
fsr-4224	258	20	capturing	capture	VERB
fsr-4224	258	21	both	both	DET
fsr-4224	258	22	the	the	DET
fsr-4224	258	23	net	net	ADJ
fsr-4224	258	24	effects	effect	NOUN
fsr-4224	258	25	of	of	ADP
fsr-4224	258	26	individual	individual	ADJ
fsr-4224	258	27	predictors	predictor	NOUN
fsr-4224	258	28	(	(	PUNCT
fsr-4224	258	29	via	via	ADP
fsr-4224	258	30	plssem	plssem	NOUN
fsr-4224	258	31	)	)	PUNCT
fsr-4224	258	32	and	and	CCONJ
fsr-4224	258	33	the	the	DET
fsr-4224	258	34	complex	complex	ADJ
fsr-4224	258	35	,	,	PUNCT
fsr-4224	258	36	context	context	NOUN
fsr-4224	258	37	-	-	PUNCT
fsr-4224	258	38	dependent	dependent	ADJ
fsr-4224	258	39	causal	causal	ADJ
fsr-4224	258	40	pathways	pathway	NOUN
fsr-4224	258	41	that	that	PRON
fsr-4224	258	42	drive	drive	VERB
fsr-4224	258	43	the	the	DET
fsr-4224	258	44	outcome	outcome	NOUN
fsr-4224	258	45	(	(	PUNCT
fsr-4224	258	46	via	via	ADP
fsr-4224	258	47	fsqca	fsqca	NOUN
fsr-4224	258	48	)	)	PUNCT
fsr-4224	258	49	.	.	PUNCT
fsr-4224	259	1	this	this	DET
fsr-4224	259	2	hybrid	hybrid	ADJ
fsr-4224	259	3	approach	approach	NOUN
fsr-4224	259	4	is	be	AUX
fsr-4224	259	5	particularly	particularly	ADV
fsr-4224	259	6	valuable	valuable	ADJ
fsr-4224	259	7	in	in	ADP
fsr-4224	259	8	studies	study	NOUN
fsr-4224	259	9	with	with	ADP
fsr-4224	259	10	small	small	ADJ
fsr-4224	259	11	,	,	PUNCT
fsr-4224	259	12	cross	cross	ADJ
fsr-4224	259	13	-	-	ADJ
fsr-4224	259	14	sectional	sectional	ADJ
fsr-4224	259	15	samples	sample	NOUN
fsr-4224	259	16	where	where	SCONJ
fsr-4224	259	17	multiple	multiple	ADJ
fsr-4224	259	18	,	,	PUNCT
fsr-4224	259	19	interacting	interact	VERB
fsr-4224	259	20	factors	factor	NOUN
fsr-4224	259	21	influence	influence	VERB
fsr-4224	259	22	the	the	DET
fsr-4224	259	23	observed	observe	VERB
fsr-4224	259	24	behaviors	behavior	NOUN
fsr-4224	259	25	(	(	PUNCT
fsr-4224	259	26	gil	gil	PROPN
fsr-4224	259	27	-	-	PROPN
fsr-4224	259	28	cordero	cordero	PROPN
fsr-4224	259	29	et	et	PROPN
fsr-4224	259	30	al	al	PROPN
fsr-4224	259	31	.	.	PROPN
fsr-4224	259	32	,	,	PUNCT
fsr-4224	259	33	2024	2024	NUM
fsr-4224	259	34	;	;	PUNCT
fsr-4224	259	35	ragin	ragin	NOUN
fsr-4224	259	36	,	,	PUNCT
fsr-4224	259	37	2009	2009	NUM
fsr-4224	259	38	)	)	PUNCT
fsr-4224	259	39	,	,	PUNCT
fsr-4224	259	40	acknowledging	acknowledge	VERB
fsr-4224	259	41	that	that	SCONJ
fsr-4224	259	42	different	different	ADJ
fsr-4224	259	43	combinations	combination	NOUN
fsr-4224	259	44	of	of	ADP
fsr-4224	259	45	antecedents	antecedent	NOUN
fsr-4224	259	46	can	can	AUX
fsr-4224	259	47	lead	lead	VERB
fsr-4224	259	48	to	to	ADP
fsr-4224	259	49	the	the	DET
fsr-4224	259	50	same	same	ADJ
fsr-4224	259	51	outcome	outcome	NOUN
fsr-4224	259	52	.	.	PUNCT
fsr-4224	260	1	the	the	DET
fsr-4224	260	2	conceptual	conceptual	ADJ
fsr-4224	260	3	qca	qca	PROPN
fsr-4224	260	4	model	model	NOUN
fsr-4224	260	5	is	be	AUX
fsr-4224	260	6	depicted	depict	VERB
fsr-4224	260	7	in	in	ADP
fsr-4224	260	8	figure-2	figure-2	PROPN
fsr-4224	260	9	.	.	PUNCT
fsr-4224	261	1	figure	figure	NOUN
fsr-4224	261	2	2	2	NUM
fsr-4224	261	3	.	.	PUNCT
fsr-4224	262	1	the	the	DET
fsr-4224	262	2	conceptual	conceptual	ADJ
fsr-4224	262	3	qca	qca	PROPN
fsr-4224	262	4	model	model	NOUN
fsr-4224	262	5	calibration	calibration	NOUN
fsr-4224	262	6	the	the	DET
fsr-4224	262	7	first	first	ADJ
fsr-4224	262	8	step	step	NOUN
fsr-4224	262	9	in	in	ADP
fsr-4224	262	10	fsqca	fsqca	NOUN
fsr-4224	262	11	analysis	analysis	NOUN
fsr-4224	262	12	is	be	AUX
fsr-4224	262	13	calibration	calibration	NOUN
fsr-4224	262	14	,	,	PUNCT
fsr-4224	262	15	which	which	PRON
fsr-4224	262	16	assigns	assign	VERB
fsr-4224	262	17	fuzzy	fuzzy	ADJ
fsr-4224	262	18	set	set	VERB
fsr-4224	262	19	values	value	NOUN
fsr-4224	262	20	to	to	ADP
fsr-4224	262	21	each	each	DET
fsr-4224	262	22	data	datum	NOUN
fsr-4224	262	23	point	point	NOUN
fsr-4224	262	24	,	,	PUNCT
fsr-4224	262	25	ranging	range	VERB
fsr-4224	262	26	from	from	ADP
fsr-4224	262	27	0	0	NUM
fsr-4224	262	28	(	(	PUNCT
fsr-4224	262	29	full	full	ADJ
fsr-4224	262	30	non	non	ADJ
fsr-4224	262	31	-	-	NOUN
fsr-4224	262	32	membership	membership	NOUN
fsr-4224	262	33	)	)	PUNCT
fsr-4224	262	34	to	to	ADP
fsr-4224	262	35	1	1	NUM
fsr-4224	262	36	(	(	PUNCT
fsr-4224	262	37	full	full	ADJ
fsr-4224	262	38	membership	membership	NOUN
fsr-4224	262	39	)	)	PUNCT
fsr-4224	262	40	(	(	PUNCT
fsr-4224	262	41	mason	mason	PROPN
fsr-4224	262	42	et	et	PROPN
fsr-4224	262	43	al	al	PROPN
fsr-4224	262	44	.	.	PROPN
fsr-4224	262	45	,	,	PUNCT
fsr-4224	262	46	2023	2023	NUM
fsr-4224	262	47	;	;	PUNCT
fsr-4224	262	48	ragin	ragin	NOUN
fsr-4224	262	49	,	,	PUNCT
fsr-4224	262	50	2009	2009	NUM
fsr-4224	262	51	)	)	PUNCT
fsr-4224	262	52	.	.	PUNCT
fsr-4224	263	1	this	this	DET
fsr-4224	263	2	study	study	NOUN
fsr-4224	263	3	uses	use	VERB
fsr-4224	263	4	the	the	DET
fsr-4224	263	5	direct	direct	ADJ
fsr-4224	263	6	calibration	calibration	NOUN
fsr-4224	263	7	method	method	NOUN
fsr-4224	263	8	(	(	PUNCT
fsr-4224	263	9	ragin	ragin	ADJ
fsr-4224	263	10	,	,	PUNCT
fsr-4224	263	11	2008	2008	NUM
fsr-4224	263	12	)	)	PUNCT
fsr-4224	263	13	.	.	PUNCT
fsr-4224	264	1	latent	latent	PROPN
fsr-4224	264	2	variable	variable	ADJ
fsr-4224	264	3	scores	score	NOUN
fsr-4224	264	4	from	from	ADP
fsr-4224	264	5	the	the	DET
fsr-4224	264	6	pls	pls	PROPN
fsr-4224	264	7	-	-	PUNCT
fsr-4224	264	8	sem	sem	NOUN
fsr-4224	264	9	software	software	NOUN
fsr-4224	264	10	are	be	AUX
fsr-4224	264	11	used	use	VERB
fsr-4224	264	12	,	,	PUNCT
fsr-4224	264	13	with	with	ADP
fsr-4224	264	14	the	the	DET
fsr-4224	264	15	95	95	NUM
fsr-4224	264	16	%	%	NOUN
fsr-4224	264	17	,	,	PUNCT
fsr-4224	264	18	50	50	NUM
fsr-4224	264	19	%	%	NOUN
fsr-4224	264	20	,	,	PUNCT
fsr-4224	264	21	and	and	CCONJ
fsr-4224	264	22	5	5	NUM
fsr-4224	264	23	%	%	NOUN
fsr-4224	264	24	percentiles	percentile	NOUN
fsr-4224	264	25	selected	select	VERB
fsr-4224	264	26	as	as	ADP
fsr-4224	264	27	anchors	anchor	NOUN
fsr-4224	264	28	to	to	PART
fsr-4224	264	29	distinguish	distinguish	VERB
fsr-4224	264	30	membership	membership	NOUN
fsr-4224	264	31	degrees	degree	NOUN
fsr-4224	264	32	(	(	PUNCT
fsr-4224	264	33	ragin	ragin	ADJ
fsr-4224	264	34	,	,	PUNCT
fsr-4224	264	35	2008	2008	NUM
fsr-4224	264	36	)	)	PUNCT
fsr-4224	264	37	.	.	PUNCT
fsr-4224	265	1	finally	finally	ADV
fsr-4224	265	2	,	,	PUNCT
fsr-4224	265	3	the	the	DET
fsr-4224	265	4	original	original	ADJ
fsr-4224	265	5	data	datum	NOUN
fsr-4224	265	6	are	be	AUX
fsr-4224	265	7	calibrated	calibrate	VERB
fsr-4224	265	8	using	use	VERB
fsr-4224	265	9	the	the	DET
fsr-4224	265	10	"	"	PUNCT
fsr-4224	265	11	calibration	calibration	NOUN
fsr-4224	265	12	"	"	PUNCT
fsr-4224	265	13	function	function	NOUN
fsr-4224	265	14	in	in	ADP
fsr-4224	265	15	the	the	DET
fsr-4224	265	16	fsqca	fsqca	PROPN
fsr-4224	265	17	software	software	NOUN
fsr-4224	265	18	.	.	PUNCT
fsr-4224	266	1	necessary	necessary	ADJ
fsr-4224	266	2	condition	condition	NOUN
fsr-4224	266	3	analysis	analysis	NOUN
fsr-4224	266	4	after	after	ADP
fsr-4224	266	5	calibration	calibration	NOUN
fsr-4224	266	6	,	,	PUNCT
fsr-4224	266	7	the	the	DET
fsr-4224	266	8	next	next	ADJ
fsr-4224	266	9	step	step	NOUN
fsr-4224	266	10	is	be	AUX
fsr-4224	266	11	identifying	identify	VERB
fsr-4224	266	12	necessary	necessary	ADJ
fsr-4224	266	13	conditions	condition	NOUN
fsr-4224	266	14	before	before	ADP
fsr-4224	266	15	configurational	configurational	ADJ
fsr-4224	266	16	analysis	analysis	NOUN
fsr-4224	266	17	,	,	PUNCT
fsr-4224	266	18	assessing	assess	VERB
fsr-4224	266	19	if	if	SCONJ
fsr-4224	266	20	each	each	DET
fsr-4224	266	21	condition	condition	NOUN
fsr-4224	266	22	consistently	consistently	ADV
fsr-4224	266	23	aligns	align	VERB
fsr-4224	266	24	with	with	ADP
fsr-4224	266	25	the	the	DET
fsr-4224	266	26	outcome	outcome	NOUN
fsr-4224	266	27	(	(	PUNCT
fsr-4224	266	28	ragin	ragin	ADJ
fsr-4224	266	29	,	,	PUNCT
fsr-4224	266	30	2009	2009	NUM
fsr-4224	266	31	;	;	PUNCT
fsr-4224	266	32	mason	mason	PROPN
fsr-4224	266	33	et	et	PROPN
fsr-4224	266	34	al	al	PROPN
fsr-4224	266	35	.	.	PROPN
fsr-4224	266	36	,	,	PUNCT
fsr-4224	266	37	2023	2023	NUM
fsr-4224	266	38	)	)	PUNCT
fsr-4224	266	39	.	.	PUNCT
fsr-4224	267	1	necessary	necessary	ADJ
fsr-4224	267	2	condition	condition	NOUN
fsr-4224	267	3	analysis	analysis	NOUN
fsr-4224	267	4	(	(	PUNCT
fsr-4224	267	5	nca	nca	NOUN
fsr-4224	267	6	)	)	PUNCT
fsr-4224	267	7	examines	examine	VERB
fsr-4224	267	8	whether	whether	SCONJ
fsr-4224	267	9	a	a	DET
fsr-4224	267	10	single	single	ADJ
fsr-4224	267	11	condition	condition	NOUN
fsr-4224	267	12	can	can	AUX
fsr-4224	267	13	predict	predict	VERB
fsr-4224	267	14	high	high	ADJ
fsr-4224	267	15	membership	membership	NOUN
fsr-4224	267	16	in	in	ADP
fsr-4224	267	17	the	the	DET
fsr-4224	267	18	outcome	outcome	NOUN
fsr-4224	267	19	(	(	PUNCT
fsr-4224	267	20	chanda	chanda	PROPN
fsr-4224	267	21	et	et	PROPN
fsr-4224	267	22	al	al	PROPN
fsr-4224	267	23	.	.	PROPN
fsr-4224	267	24	,	,	PUNCT
fsr-4224	267	25	2023	2023	NUM
fsr-4224	267	26	;	;	PUNCT
fsr-4224	267	27	rasoolimanesh	rasoolimanesh	PROPN
fsr-4224	267	28	ahamed	ahamed	PROPN
fsr-4224	267	29	et	et	PROPN
fsr-4224	267	30	al	al	PROPN
fsr-4224	267	31	.	.	PROPN
fsr-4224	267	32	177	177	NUM
fsr-4224	267	33	et	et	NOUN
fsr-4224	267	34	al	al	PROPN
fsr-4224	267	35	.	.	PROPN
fsr-4224	267	36	,	,	PUNCT
fsr-4224	267	37	2021	2021	NUM
fsr-4224	267	38	)	)	PUNCT
fsr-4224	267	39	.	.	PUNCT
fsr-4224	268	1	a	a	DET
fsr-4224	268	2	condition	condition	NOUN
fsr-4224	268	3	is	be	AUX
fsr-4224	268	4	considered	consider	VERB
fsr-4224	268	5	necessary	necessary	ADJ
fsr-4224	268	6	if	if	SCONJ
fsr-4224	268	7	it	it	PRON
fsr-4224	268	8	must	must	AUX
fsr-4224	268	9	be	be	AUX
fsr-4224	268	10	present	present	ADJ
fsr-4224	268	11	for	for	ADP
fsr-4224	268	12	the	the	DET
fsr-4224	268	13	outcome	outcome	NOUN
fsr-4224	268	14	,	,	PUNCT
fsr-4224	268	15	with	with	ADP
fsr-4224	268	16	a	a	DET
fsr-4224	268	17	consistency	consistency	NOUN
fsr-4224	268	18	score	score	NOUN
fsr-4224	268	19	above	above	ADP
fsr-4224	268	20	0.9	0.9	NUM
fsr-4224	268	21	(	(	PUNCT
fsr-4224	268	22	chanda	chanda	PROPN
fsr-4224	268	23	et	et	PROPN
fsr-4224	268	24	al	al	PROPN
fsr-4224	268	25	.	.	PROPN
fsr-4224	268	26	,	,	PUNCT
fsr-4224	268	27	2023	2023	NUM
fsr-4224	268	28	)	)	PUNCT
fsr-4224	268	29	.	.	PUNCT
fsr-4224	269	1	in	in	ADP
fsr-4224	269	2	this	this	DET
fsr-4224	269	3	study	study	NOUN
fsr-4224	269	4	,	,	PUNCT
fsr-4224	269	5	fmb	fmb	PROPN
fsr-4224	269	6	is	be	AUX
fsr-4224	269	7	the	the	DET
fsr-4224	269	8	outcome	outcome	NOUN
fsr-4224	269	9	.	.	PUNCT
fsr-4224	270	1	table	table	NOUN
fsr-4224	270	2	7	7	NUM
fsr-4224	270	3	shows	show	VERB
fsr-4224	270	4	no	no	DET
fsr-4224	270	5	single	single	ADJ
fsr-4224	270	6	antecedent	antecedent	NOUN
fsr-4224	270	7	sufficiently	sufficiently	ADV
fsr-4224	270	8	predicts	predict	VERB
fsr-4224	270	9	this	this	DET
fsr-4224	270	10	behavior	behavior	NOUN
fsr-4224	270	11	,	,	PUNCT
fsr-4224	270	12	consistent	consistent	ADJ
fsr-4224	270	13	with	with	ADP
fsr-4224	270	14	complexity	complexity	NOUN
fsr-4224	270	15	theory	theory	NOUN
fsr-4224	270	16	(	(	PUNCT
fsr-4224	270	17	ragin	ragin	ADJ
fsr-4224	270	18	,	,	PUNCT
fsr-4224	270	19	2009	2009	NUM
fsr-4224	270	20	;	;	PUNCT
fsr-4224	270	21	ahamed	ahamed	PROPN
fsr-4224	270	22	,	,	PUNCT
fsr-4224	270	23	2024	2024	NUM
fsr-4224	270	24	)	)	PUNCT
fsr-4224	270	25	.	.	PUNCT
fsr-4224	271	1	table	table	NOUN
fsr-4224	271	2	7	7	NUM
fsr-4224	271	3	.	.	PUNCT
fsr-4224	272	1	analysis	analysis	NOUN
fsr-4224	272	2	of	of	ADP
fsr-4224	272	3	the	the	DET
fsr-4224	272	4	necessary	necessary	ADJ
fsr-4224	272	5	conditions	condition	NOUN
fsr-4224	272	6	condition	condition	NOUN
fsr-4224	272	7	outcome	outcome	VERB
fsr-4224	272	8	high	high	ADJ
fsr-4224	272	9	fmb	fmb	PROPN
fsr-4224	272	10	(	(	PUNCT
fsr-4224	272	11	positive	positive	ADJ
fsr-4224	272	12	)	)	PUNCT
fsr-4224	272	13	(	(	PUNCT
fsr-4224	272	14	~	~	NOUN
fsr-4224	272	15	)	)	PUNCT
fsr-4224	272	16	low	low	ADJ
fsr-4224	272	17	/	/	SYM
fsr-4224	272	18	medium	medium	NOUN
fsr-4224	272	19	fmb	fmb	NOUN
fsr-4224	272	20	consistency	consistency	NOUN
fsr-4224	272	21	coverage	coverage	NOUN
fsr-4224	272	22	consistency	consistency	NOUN
fsr-4224	272	23	coverage	coverage	NOUN
fsr-4224	272	24	financial	financial	ADJ
fsr-4224	272	25	attitude	attitude	NOUN
fsr-4224	272	26	0.82	0.82	NUM
fsr-4224	272	27	0.76	0.76	NUM
fsr-4224	272	28	0.56	0.56	NUM
fsr-4224	272	29	0.55	0.55	NUM
fsr-4224	272	30	~	~	PUNCT
fsr-4224	272	31	financial	financial	ADJ
fsr-4224	272	32	attitude	attitude	NOUN
fsr-4224	272	33	0.51	0.51	NUM
fsr-4224	272	34	0.52	0.52	NUM
fsr-4224	272	35	0.76	0.76	NUM
fsr-4224	272	36	0.82	0.82	NUM
fsr-4224	272	37	family	family	NOUN
fsr-4224	272	38	financial	financial	ADJ
fsr-4224	272	39	socialization	socialization	NOUN
fsr-4224	272	40	0.68	0.68	NUM
fsr-4224	272	41	0.68	0.68	NUM
fsr-4224	272	42	0.60	0.60	NUM
fsr-4224	272	43	0.63	0.63	NUM
fsr-4224	272	44	~	~	PUNCT
fsr-4224	272	45	family	family	NOUN
fsr-4224	272	46	financial	financial	ADJ
fsr-4224	272	47	socialization	socialization	NOUN
fsr-4224	272	48	0.63	0.63	NUM
fsr-4224	272	49	0.60	0.60	NUM
fsr-4224	272	50	0.70	0.70	NUM
fsr-4224	272	51	0.70	0.70	NUM
fsr-4224	272	52	peer	peer	NOUN
fsr-4224	272	53	influence	influence	NOUN
fsr-4224	272	54	0.60	0.60	NUM
fsr-4224	272	55	0.60	0.60	NUM
fsr-4224	272	56	0.67	0.67	NUM
fsr-4224	272	57	0.72	0.72	NUM
fsr-4224	272	58	~	~	PUNCT
fsr-4224	272	59	peer	peer	NOUN
fsr-4224	272	60	influence	influence	NOUN
fsr-4224	272	61	0.72	0.72	NUM
fsr-4224	272	62	0.67	0.67	NUM
fsr-4224	272	63	0.63	0.63	NUM
fsr-4224	272	64	0.63	0.63	NUM
fsr-4224	272	65	subjective	subjective	ADJ
fsr-4224	272	66	financial	financial	ADJ
fsr-4224	272	67	knowledge	knowledge	NOUN
fsr-4224	272	68	0.78	0.78	NUM
fsr-4224	272	69	0.75	0.75	NUM
fsr-4224	272	70	0.56	0.56	NUM
fsr-4224	272	71	0.57	0.57	NUM
fsr-4224	272	72	~	~	PUNCT
fsr-4224	272	73	subjective	subjective	ADJ
fsr-4224	272	74	financial	financial	ADJ
fsr-4224	272	75	knowledge	knowledge	NOUN
fsr-4224	272	76	0.55	0.55	NUM
fsr-4224	272	77	0.54	0.54	NUM
fsr-4224	272	78	0.75	0.75	NUM
fsr-4224	272	79	0.79	0.79	NUM
fsr-4224	272	80	financial	financial	ADJ
fsr-4224	272	81	self	self	NOUN
fsr-4224	272	82	-	-	PUNCT
fsr-4224	272	83	efficacy	efficacy	NOUN
fsr-4224	272	84	0.57	0.57	NUM
fsr-4224	272	85	0.56	0.56	NUM
fsr-4224	272	86	0.71	0.71	NUM
fsr-4224	272	87	0.75	0.75	NUM
fsr-4224	272	88	~	~	PUNCT
fsr-4224	272	89	financial	financial	ADJ
fsr-4224	272	90	self	self	NOUN
fsr-4224	272	91	-	-	PUNCT
fsr-4224	272	92	efficacy	efficacy	NOUN
fsr-4224	272	93	0.75	0.75	NUM
fsr-4224	272	94	0.71	0.71	NUM
fsr-4224	272	95	0.59	0.59	NUM
fsr-4224	272	96	0.59	0.59	NUM
fsr-4224	272	97	note	note	NOUN
fsr-4224	272	98	:	:	PUNCT
fsr-4224	272	99	~	~	PUNCT
fsr-4224	272	100	indicates	indicate	VERB
fsr-4224	272	101	the	the	DET
fsr-4224	272	102	absence	absence	NOUN
fsr-4224	272	103	of	of	ADP
fsr-4224	272	104	a	a	DET
fsr-4224	272	105	condition	condition	NOUN
fsr-4224	272	106	.	.	PUNCT
fsr-4224	273	1	4.3.3	4.3.3	NUM
fsr-4224	273	2	sufficiency	sufficiency	NOUN
fsr-4224	273	3	analysis	analysis	NOUN
fsr-4224	273	4	the	the	DET
fsr-4224	273	5	final	final	ADJ
fsr-4224	273	6	step	step	NOUN
fsr-4224	273	7	is	be	AUX
fsr-4224	273	8	a	a	DET
fsr-4224	273	9	sufficiency	sufficiency	NOUN
fsr-4224	273	10	analysis	analysis	NOUN
fsr-4224	273	11	using	use	VERB
fsr-4224	273	12	a	a	DET
fsr-4224	273	13	truth	truth	NOUN
fsr-4224	273	14	table	table	NOUN
fsr-4224	273	15	to	to	PART
fsr-4224	273	16	identify	identify	VERB
fsr-4224	273	17	causal	causal	ADJ
fsr-4224	273	18	combinations	combination	NOUN
fsr-4224	273	19	for	for	ADP
fsr-4224	273	20	the	the	DET
fsr-4224	273	21	presence	presence	NOUN
fsr-4224	273	22	or	or	CCONJ
fsr-4224	273	23	absence	absence	NOUN
fsr-4224	273	24	of	of	ADP
fsr-4224	273	25	desirable	desirable	ADJ
fsr-4224	273	26	fmb	fmb	PROPN
fsr-4224	273	27	.	.	PUNCT
fsr-4224	273	28	fsqca	fsqca	NOUN
fsr-4224	273	29	accounts	account	VERB
fsr-4224	273	30	for	for	ADP
fsr-4224	273	31	asymmetrical	asymmetrical	ADJ
fsr-4224	273	32	causal	causal	ADJ
fsr-4224	273	33	relationships	relationship	NOUN
fsr-4224	273	34	,	,	PUNCT
fsr-4224	273	35	where	where	SCONJ
fsr-4224	273	36	explanations	explanation	NOUN
fsr-4224	273	37	for	for	ADP
fsr-4224	273	38	the	the	DET
fsr-4224	273	39	presence	presence	NOUN
fsr-4224	273	40	may	may	AUX
fsr-4224	273	41	differ	differ	VERB
fsr-4224	273	42	from	from	ADP
fsr-4224	273	43	those	those	PRON
fsr-4224	273	44	for	for	ADP
fsr-4224	273	45	the	the	DET
fsr-4224	273	46	absence	absence	NOUN
fsr-4224	273	47	(	(	PUNCT
fsr-4224	273	48	chanda	chanda	PROPN
fsr-4224	273	49	et	et	PROPN
fsr-4224	273	50	al	al	PROPN
fsr-4224	273	51	.	.	PROPN
fsr-4224	273	52	,	,	PUNCT
fsr-4224	273	53	2023	2023	NUM
fsr-4224	273	54	;	;	PUNCT
fsr-4224	273	55	rasoolimanesh	rasoolimanesh	NOUN
fsr-4224	273	56	et	et	PROPN
fsr-4224	273	57	al	al	PROPN
fsr-4224	273	58	.	.	PROPN
fsr-4224	273	59	,	,	PUNCT
fsr-4224	273	60	2021	2021	NUM
fsr-4224	273	61	)	)	PUNCT
fsr-4224	273	62	.	.	PUNCT
fsr-4224	274	1	both	both	DET
fsr-4224	274	2	outcomes	outcome	NOUN
fsr-4224	274	3	were	be	AUX
fsr-4224	274	4	analyzed	analyze	VERB
fsr-4224	274	5	with	with	ADP
fsr-4224	274	6	a	a	DET
fsr-4224	274	7	minimum	minimum	ADJ
fsr-4224	274	8	frequency	frequency	NOUN
fsr-4224	274	9	of	of	ADP
fsr-4224	274	10	six	six	NUM
fsr-4224	274	11	and	and	CCONJ
fsr-4224	274	12	a	a	DET
fsr-4224	274	13	consistency	consistency	NOUN
fsr-4224	274	14	threshold	threshold	NOUN
fsr-4224	274	15	of	of	ADP
fsr-4224	274	16	0.90	0.90	NUM
fsr-4224	274	17	,	,	PUNCT
fsr-4224	274	18	following	follow	VERB
fsr-4224	274	19	large	large	ADJ
fsr-4224	274	20	sample	sample	NOUN
fsr-4224	274	21	standards	standard	NOUN
fsr-4224	274	22	(	(	PUNCT
fsr-4224	274	23	mason	mason	PROPN
fsr-4224	274	24	et	et	PROPN
fsr-4224	274	25	al	al	PROPN
fsr-4224	274	26	.	.	PROPN
fsr-4224	274	27	,	,	PUNCT
fsr-4224	274	28	2023	2023	NUM
fsr-4224	274	29	;	;	PUNCT
fsr-4224	274	30	pappas	pappas	PROPN
fsr-4224	274	31	and	and	CCONJ
fsr-4224	274	32	woodside	woodside	NOUN
fsr-4224	274	33	,	,	PUNCT
fsr-4224	274	34	2021	2021	NUM
fsr-4224	274	35	)	)	PUNCT
fsr-4224	274	36	.	.	PUNCT
fsr-4224	275	1	standard	standard	ADJ
fsr-4224	275	2	analysis	analysis	NOUN
fsr-4224	275	3	and	and	CCONJ
fsr-4224	275	4	default	default	NOUN
fsr-4224	275	5	settings	setting	NOUN
fsr-4224	275	6	were	be	AUX
fsr-4224	275	7	used	use	VERB
fsr-4224	275	8	for	for	ADP
fsr-4224	275	9	the	the	DET
fsr-4224	275	10	intermediate	intermediate	ADJ
fsr-4224	275	11	solution	solution	NOUN
fsr-4224	275	12	's	's	PART
fsr-4224	275	13	counterfactual	counterfactual	ADJ
fsr-4224	275	14	analysis	analysis	NOUN
fsr-4224	275	15	.	.	PUNCT
fsr-4224	276	1	table	table	NOUN
fsr-4224	276	2	8	8	NUM
fsr-4224	276	3	presents	present	VERB
fsr-4224	276	4	the	the	DET
fsr-4224	276	5	intermediate	intermediate	ADJ
fsr-4224	276	6	solution	solution	NOUN
fsr-4224	276	7	from	from	ADP
fsr-4224	276	8	the	the	DET
fsr-4224	276	9	fsqca	fsqca	NOUN
fsr-4224	276	10	,	,	PUNCT
fsr-4224	276	11	identifying	identify	VERB
fsr-4224	276	12	configurations	configuration	NOUN
fsr-4224	276	13	that	that	PRON
fsr-4224	276	14	are	be	AUX
fsr-4224	276	15	sufficient	sufficient	ADJ
fsr-4224	276	16	for	for	ADP
fsr-4224	276	17	achieving	achieve	VERB
fsr-4224	276	18	either	either	CCONJ
fsr-4224	276	19	high	high	ADJ
fsr-4224	276	20	(	(	PUNCT
fsr-4224	276	21	desirable	desirable	ADJ
fsr-4224	276	22	)	)	PUNCT
fsr-4224	276	23	or	or	CCONJ
fsr-4224	276	24	low	low	ADJ
fsr-4224	276	25	/	/	SYM
fsr-4224	276	26	medium	medium	NOUN
fsr-4224	276	27	(	(	PUNCT
fsr-4224	276	28	undesirable	undesirable	ADJ
fsr-4224	276	29	)	)	PUNCT
fsr-4224	276	30	financial	financial	ADJ
fsr-4224	276	31	management	management	NOUN
fsr-4224	276	32	behavior	behavior	NOUN
fsr-4224	276	33	(	(	PUNCT
fsr-4224	276	34	fmb	fmb	NOUN
fsr-4224	276	35	)	)	PUNCT
fsr-4224	276	36	.	.	PUNCT
fsr-4224	277	1	black	black	ADJ
fsr-4224	277	2	circles	circle	NOUN
fsr-4224	277	3	(	(	PUNCT
fsr-4224	277	4	●	●	NOUN
fsr-4224	277	5	)	)	PUNCT
fsr-4224	277	6	indicate	indicate	VERB
fsr-4224	277	7	the	the	DET
fsr-4224	277	8	presence	presence	NOUN
fsr-4224	277	9	of	of	ADP
fsr-4224	277	10	a	a	DET
fsr-4224	277	11	condition	condition	NOUN
fsr-4224	277	12	,	,	PUNCT
fsr-4224	277	13	"	"	PUNCT
fsr-4224	277	14	x	x	X
fsr-4224	277	15	"	"	PUNCT
fsr-4224	277	16	circles	circle	NOUN
fsr-4224	277	17	indicate	indicate	VERB
fsr-4224	277	18	its	its	PRON
fsr-4224	277	19	absence	absence	NOUN
fsr-4224	277	20	,	,	PUNCT
fsr-4224	277	21	and	and	CCONJ
fsr-4224	277	22	blank	blank	ADJ
fsr-4224	277	23	cells	cell	NOUN
fsr-4224	277	24	represent	represent	VERB
fsr-4224	277	25	"	"	PUNCT
fsr-4224	277	26	do	do	AUX
fsr-4224	277	27	n’t	not	PART
fsr-4224	277	28	care	care	VERB
fsr-4224	277	29	"	"	PUNCT
fsr-4224	277	30	conditions	condition	NOUN
fsr-4224	277	31	,	,	PUNCT
fsr-4224	277	32	meaning	mean	VERB
fsr-4224	277	33	the	the	DET
fsr-4224	277	34	factor	factor	NOUN
fsr-4224	277	35	is	be	AUX
fsr-4224	277	36	not	not	PART
fsr-4224	277	37	critical	critical	ADJ
fsr-4224	277	38	for	for	ADP
fsr-4224	277	39	the	the	DET
fsr-4224	277	40	specific	specific	ADJ
fsr-4224	277	41	outcome	outcome	NOUN
fsr-4224	277	42	(	(	PUNCT
fsr-4224	277	43	fiss	fiss	PROPN
fsr-4224	277	44	,	,	PUNCT
fsr-4224	277	45	2011	2011	NUM
fsr-4224	277	46	;	;	PUNCT
fsr-4224	277	47	pappas	pappas	PROPN
fsr-4224	277	48	&	&	CCONJ
fsr-4224	277	49	woodside	woodside	PROPN
fsr-4224	277	50	,	,	PUNCT
fsr-4224	277	51	2021	2021	NUM
fsr-4224	277	52	)	)	PUNCT
fsr-4224	277	53	.	.	PUNCT
fsr-4224	278	1	large	large	ADJ
fsr-4224	278	2	circles	circle	NOUN
fsr-4224	278	3	denote	denote	VERB
fsr-4224	278	4	core	core	NOUN
fsr-4224	278	5	conditions	condition	NOUN
fsr-4224	278	6	,	,	PUNCT
fsr-4224	278	7	which	which	PRON
fsr-4224	278	8	consistently	consistently	ADV
fsr-4224	278	9	appear	appear	VERB
fsr-4224	278	10	in	in	ADP
fsr-4224	278	11	both	both	CCONJ
fsr-4224	278	12	parsimonious	parsimonious	ADJ
fsr-4224	278	13	and	and	CCONJ
fsr-4224	278	14	intermediate	intermediate	ADJ
fsr-4224	278	15	solutions	solution	NOUN
fsr-4224	278	16	,	,	PUNCT
fsr-4224	278	17	while	while	SCONJ
fsr-4224	278	18	small	small	ADJ
fsr-4224	278	19	circles	circle	NOUN
fsr-4224	278	20	indicate	indicate	VERB
fsr-4224	278	21	peripheral	peripheral	ADJ
fsr-4224	278	22	conditions	condition	NOUN
fsr-4224	278	23	,	,	PUNCT
fsr-4224	278	24	which	which	PRON
fsr-4224	278	25	play	play	VERB
fsr-4224	278	26	a	a	DET
fsr-4224	278	27	more	more	ADV
fsr-4224	278	28	context	context	NOUN
fsr-4224	278	29	-	-	PUNCT
fsr-4224	278	30	dependent	dependent	ADJ
fsr-4224	278	31	role	role	NOUN
fsr-4224	278	32	(	(	PUNCT
fsr-4224	278	33	fiss	fiss	PROPN
fsr-4224	278	34	,	,	PUNCT
fsr-4224	278	35	2011	2011	NUM
fsr-4224	278	36	)	)	PUNCT
fsr-4224	278	37	.	.	PUNCT
fsr-4224	279	1	key	key	ADJ
fsr-4224	279	2	metrics	metric	NOUN
fsr-4224	279	3	include	include	VERB
fsr-4224	279	4	consistency	consistency	NOUN
fsr-4224	279	5	,	,	PUNCT
fsr-4224	279	6	which	which	PRON
fsr-4224	279	7	measures	measure	VERB
fsr-4224	279	8	the	the	DET
fsr-4224	279	9	reliability	reliability	NOUN
fsr-4224	279	10	of	of	ADP
fsr-4224	279	11	each	each	DET
fsr-4224	279	12	configuration	configuration	NOUN
fsr-4224	279	13	in	in	ADP
fsr-4224	279	14	predicting	predict	VERB
fsr-4224	279	15	the	the	DET
fsr-4224	279	16	outcome	outcome	NOUN
fsr-4224	279	17	,	,	PUNCT
fsr-4224	279	18	raw	raw	ADJ
fsr-4224	279	19	coverage	coverage	NOUN
fsr-4224	279	20	,	,	PUNCT
fsr-4224	279	21	indicating	indicate	VERB
fsr-4224	279	22	the	the	DET
fsr-4224	279	23	proportion	proportion	NOUN
fsr-4224	279	24	of	of	ADP
fsr-4224	279	25	cases	case	NOUN
fsr-4224	279	26	explained	explain	VERB
fsr-4224	279	27	by	by	ADP
fsr-4224	279	28	each	each	DET
fsr-4224	279	29	configuration	configuration	NOUN
fsr-4224	279	30	,	,	PUNCT
fsr-4224	279	31	and	and	CCONJ
fsr-4224	279	32	unique	unique	ADJ
fsr-4224	279	33	coverage	coverage	NOUN
fsr-4224	279	34	,	,	PUNCT
fsr-4224	279	35	reflecting	reflect	VERB
fsr-4224	279	36	the	the	DET
fsr-4224	279	37	distinct	distinct	ADJ
fsr-4224	279	38	contribution	contribution	NOUN
fsr-4224	279	39	of	of	ADP
fsr-4224	279	40	a	a	DET
fsr-4224	279	41	particular	particular	ADJ
fsr-4224	279	42	configuration	configuration	NOUN
fsr-4224	279	43	without	without	ADP
fsr-4224	279	44	overlap	overlap	NOUN
fsr-4224	279	45	(	(	PUNCT
fsr-4224	279	46	ragin	ragin	ADJ
fsr-4224	279	47	,	,	PUNCT
fsr-4224	279	48	2008	2008	NUM
fsr-4224	279	49	)	)	PUNCT
fsr-4224	279	50	.	.	PUNCT
fsr-4224	280	1	these	these	DET
fsr-4224	280	2	metrics	metric	NOUN
fsr-4224	280	3	provide	provide	VERB
fsr-4224	280	4	a	a	DET
fsr-4224	280	5	detailed	detailed	ADJ
fsr-4224	280	6	view	view	NOUN
fsr-4224	280	7	of	of	ADP
fsr-4224	280	8	how	how	SCONJ
fsr-4224	280	9	various	various	ADJ
fsr-4224	280	10	conditions	condition	NOUN
fsr-4224	280	11	interact	interact	VERB
fsr-4224	280	12	to	to	PART
fsr-4224	280	13	produce	produce	VERB
fsr-4224	280	14	complex	complex	ADJ
fsr-4224	280	15	financial	financial	ADJ
fsr-4224	280	16	behaviors	behavior	NOUN
fsr-4224	280	17	,	,	PUNCT
fsr-4224	280	18	capturing	capture	VERB
fsr-4224	280	19	both	both	CCONJ
fsr-4224	280	20	central	central	ADJ
fsr-4224	280	21	and	and	CCONJ
fsr-4224	280	22	context	context	NOUN
fsr-4224	280	23	-	-	PUNCT
fsr-4224	280	24	specific	specific	ADJ
fsr-4224	280	25	factors	factor	NOUN
fsr-4224	280	26	.	.	PUNCT
fsr-4224	281	1	financial	financial	ADJ
fsr-4224	281	2	services	service	NOUN
fsr-4224	281	3	review	review	NOUN
fsr-4224	281	4	,	,	PUNCT
fsr-4224	281	5	33(4	33(4	NUM
fsr-4224	281	6	)	)	PUNCT
fsr-4224	281	7	178	178	NUM
fsr-4224	281	8	table	table	NOUN
fsr-4224	281	9	8	8	NUM
fsr-4224	281	10	.	.	PUNCT
fsr-4224	282	1	results	result	NOUN
fsr-4224	282	2	of	of	ADP
fsr-4224	282	3	the	the	DET
fsr-4224	282	4	intermediate	intermediate	ADJ
fsr-4224	282	5	solution	solution	NOUN
fsr-4224	282	6	(	(	PUNCT
fsr-4224	282	7	algorithm	algorithm	PROPN
fsr-4224	282	8	used	use	VERB
fsr-4224	282	9	quine	quine	PROPN
fsr-4224	282	10	-	-	PUNCT
fsr-4224	282	11	mccluskey	mccluskey	PROPN
fsr-4224	282	12	)	)	PUNCT
fsr-4224	282	13	conditions	condition	VERB
fsr-4224	282	14	outcomes	outcome	NOUN
fsr-4224	282	15	high	high	ADJ
fsr-4224	282	16	(	(	PUNCT
fsr-4224	282	17	positive	positive	ADJ
fsr-4224	282	18	/desirable	/desirable	ADJ
fsr-4224	282	19	)	)	PUNCT
fsr-4224	282	20	fmb	fmb	NOUN
fsr-4224	282	21	(	(	PUNCT
fsr-4224	282	22	~	~	NOUN
fsr-4224	282	23	)	)	PUNCT
fsr-4224	282	24	low	low	ADJ
fsr-4224	282	25	/	/	SYM
fsr-4224	282	26	medium	medium	NOUN
fsr-4224	282	27	(	(	PUNCT
fsr-4224	282	28	negative	negative	ADJ
fsr-4224	282	29	/undesirable	/undesirable	ADJ
fsr-4224	282	30	)	)	PUNCT
fsr-4224	283	1	fmb	fmb	PROPN
fsr-4224	283	2	1a	1a	PROPN
fsr-4224	283	3	1b	1b	NUM
fsr-4224	283	4	2a	2a	NUM
fsr-4224	283	5	2b	2b	NUM
fsr-4224	283	6	financial	financial	ADJ
fsr-4224	283	7	attitude	attitude	NOUN
fsr-4224	283	8	●	●	PUNCT
fsr-4224	283	9	●	●	NUM
fsr-4224	283	10	family	family	NOUN
fsr-4224	283	11	financial	financial	ADJ
fsr-4224	283	12	socialization	socialization	NOUN
fsr-4224	283	13	●	●	NUM
fsr-4224	283	14	peer	peer	NOUN
fsr-4224	283	15	influence	influence	NOUN
fsr-4224	283	16	●	●	PUNCT
fsr-4224	283	17	subjective	subjective	ADJ
fsr-4224	283	18	financial	financial	ADJ
fsr-4224	283	19	knowledge	knowledge	NOUN
fsr-4224	283	20	●	●	PUNCT
fsr-4224	283	21	●	●	NUM
fsr-4224	283	22	financial	financial	ADJ
fsr-4224	283	23	self	self	NOUN
fsr-4224	283	24	-	-	PUNCT
fsr-4224	283	25	efficacy	efficacy	NOUN
fsr-4224	283	26	●	●	X
fsr-4224	283	27	●	●	PUNCT
fsr-4224	283	28	●	●	X
fsr-4224	283	29	consistency	consistency	NOUN
fsr-4224	283	30	(	(	PUNCT
fsr-4224	283	31	cc	cc	NOUN
fsr-4224	283	32	)	)	PUNCT
fsr-4224	283	33	0.91	0.91	NUM
fsr-4224	283	34	0.90	0.90	NUM
fsr-4224	283	35	0.93	0.93	NUM
fsr-4224	283	36	0.92	0.92	NUM
fsr-4224	283	37	raw	raw	ADJ
fsr-4224	283	38	coverage	coverage	NOUN
fsr-4224	283	39	(	(	PUNCT
fsr-4224	283	40	rc	rc	PROPN
fsr-4224	283	41	)	)	PUNCT
fsr-4224	283	42	0.50	0.50	NUM
fsr-4224	283	43	0.34	0.34	NUM
fsr-4224	283	44	0.53	0.53	NUM
fsr-4224	283	45	0.41	0.41	NUM
fsr-4224	283	46	unique	unique	ADJ
fsr-4224	283	47	coverage	coverage	NOUN
fsr-4224	283	48	(	(	PUNCT
fsr-4224	283	49	uc	uc	NOUN
fsr-4224	283	50	)	)	PUNCT
fsr-4224	283	51	0.22	0.22	NUM
fsr-4224	283	52	0.07	0.07	NUM
fsr-4224	283	53	0.17	0.17	NUM
fsr-4224	283	54	0.05	0.05	NUM
fsr-4224	283	55	solution	solution	NOUN
fsr-4224	283	56	coverage	coverage	NOUN
fsr-4224	283	57	0.57	0.57	NUM
fsr-4224	283	58	0.58	0.58	NUM
fsr-4224	283	59	solution	solution	NOUN
fsr-4224	283	60	consistency	consistency	NOUN
fsr-4224	283	61	0.90	0.90	NUM
fsr-4224	283	62	0.91	0.91	NUM
fsr-4224	283	63	consistency	consistency	NOUN
fsr-4224	283	64	cutoff	cutoff	NOUN
fsr-4224	283	65	0.90	0.90	NUM
fsr-4224	283	66	0.91	0.91	NUM
fsr-4224	283	67	note	note	NOUN
fsr-4224	283	68	:	:	PUNCT
fsr-4224	283	69	table	table	NOUN
fsr-4224	283	70	notation	notation	PROPN
fsr-4224	283	71	source	source	NOUN
fsr-4224	283	72	:	:	PUNCT
fsr-4224	283	73	fiss	fiss	PROPN
fsr-4224	283	74	,	,	PUNCT
fsr-4224	283	75	2011	2011	NUM
fsr-4224	283	76	;	;	PUNCT
fsr-4224	283	77	pappas	pappas	PROPN
fsr-4224	283	78	and	and	CCONJ
fsr-4224	283	79	woodside	woodside	NOUN
fsr-4224	283	80	,	,	PUNCT
fsr-4224	283	81	2021	2021	NUM
fsr-4224	283	82	.	.	PUNCT
fsr-4224	284	1	as	as	SCONJ
fsr-4224	284	2	shown	show	VERB
fsr-4224	284	3	in	in	ADP
fsr-4224	284	4	table	table	NOUN
fsr-4224	284	5	8	8	NUM
fsr-4224	284	6	,	,	PUNCT
fsr-4224	284	7	the	the	DET
fsr-4224	284	8	analysis	analysis	NOUN
fsr-4224	284	9	identified	identify	VERB
fsr-4224	284	10	two	two	NUM
fsr-4224	284	11	causal	causal	ADJ
fsr-4224	284	12	combinations	combination	NOUN
fsr-4224	284	13	for	for	ADP
fsr-4224	284	14	high	high	ADJ
fsr-4224	284	15	(	(	PUNCT
fsr-4224	284	16	positive	positive	ADJ
fsr-4224	284	17	/	/	SYM
fsr-4224	284	18	desirable	desirable	ADJ
fsr-4224	284	19	)	)	PUNCT
fsr-4224	284	20	fmb	fmb	NOUN
fsr-4224	284	21	:	:	PUNCT
fsr-4224	284	22	proposition	proposition	NOUN
fsr-4224	284	23	1a	1a	NOUN
fsr-4224	284	24	:	:	PUNCT
fsr-4224	284	25	a	a	DET
fsr-4224	284	26	high	high	ADJ
fsr-4224	284	27	(	(	PUNCT
fsr-4224	284	28	positive	positive	ADJ
fsr-4224	284	29	)	)	PUNCT
fsr-4224	284	30	financial	financial	ADJ
fsr-4224	284	31	attitude	attitude	NOUN
fsr-4224	284	32	combined	combine	VERB
fsr-4224	284	33	with	with	ADP
fsr-4224	284	34	high	high	ADJ
fsr-4224	284	35	(	(	PUNCT
fsr-4224	284	36	selfperceived	selfperceived	ADJ
fsr-4224	284	37	)	)	PUNCT
fsr-4224	284	38	subjective	subjective	ADJ
fsr-4224	284	39	financial	financial	ADJ
fsr-4224	284	40	knowledge	knowledge	NOUN
fsr-4224	284	41	,	,	PUNCT
fsr-4224	284	42	even	even	ADV
fsr-4224	284	43	with	with	ADP
fsr-4224	284	44	low	low	ADJ
fsr-4224	284	45	peer	peer	NOUN
fsr-4224	284	46	influence	influence	NOUN
fsr-4224	284	47	and	and	CCONJ
fsr-4224	284	48	low	low	ADJ
fsr-4224	284	49	financial	financial	ADJ
fsr-4224	284	50	self	self	NOUN
fsr-4224	284	51	-	-	PUNCT
fsr-4224	284	52	efficacy	efficacy	NOUN
fsr-4224	284	53	,	,	PUNCT
fsr-4224	284	54	can	can	AUX
fsr-4224	284	55	lead	lead	VERB
fsr-4224	284	56	to	to	ADP
fsr-4224	284	57	desirable	desirable	ADJ
fsr-4224	284	58	fmb	fmb	NOUN
fsr-4224	284	59	.	.	PUNCT
fsr-4224	285	1	a	a	DET
fsr-4224	285	2	strong	strong	ADJ
fsr-4224	285	3	financial	financial	ADJ
fsr-4224	285	4	attitude	attitude	NOUN
fsr-4224	285	5	,	,	PUNCT
fsr-4224	285	6	combined	combine	VERB
fsr-4224	285	7	with	with	ADP
fsr-4224	285	8	high	high	ADJ
fsr-4224	285	9	subjective	subjective	ADJ
fsr-4224	285	10	financial	financial	ADJ
fsr-4224	285	11	knowledge	knowledge	NOUN
fsr-4224	285	12	,	,	PUNCT
fsr-4224	285	13	can	can	AUX
fsr-4224	285	14	drive	drive	VERB
fsr-4224	285	15	desirable	desirable	ADJ
fsr-4224	285	16	fmb	fmb	NOUN
fsr-4224	285	17	,	,	PUNCT
fsr-4224	285	18	even	even	ADV
fsr-4224	285	19	with	with	ADP
fsr-4224	285	20	low	low	ADJ
fsr-4224	285	21	peer	peer	NOUN
fsr-4224	285	22	influence	influence	NOUN
fsr-4224	285	23	and	and	CCONJ
fsr-4224	285	24	financial	financial	ADJ
fsr-4224	285	25	self	self	NOUN
fsr-4224	285	26	-	-	PUNCT
fsr-4224	285	27	efficacy	efficacy	NOUN
fsr-4224	285	28	.	.	PUNCT
fsr-4224	286	1	individuals	individual	NOUN
fsr-4224	286	2	with	with	ADP
fsr-4224	286	3	positive	positive	ADJ
fsr-4224	286	4	financial	financial	ADJ
fsr-4224	286	5	attitudes	attitude	NOUN
fsr-4224	286	6	view	view	VERB
fsr-4224	286	7	financial	financial	ADJ
fsr-4224	286	8	management	management	NOUN
fsr-4224	286	9	as	as	ADP
fsr-4224	286	10	essential	essential	ADJ
fsr-4224	286	11	,	,	PUNCT
fsr-4224	286	12	which	which	PRON
fsr-4224	286	13	,	,	PUNCT
fsr-4224	286	14	alongside	alongside	ADP
fsr-4224	286	15	perceived	perceive	VERB
fsr-4224	286	16	financial	financial	ADJ
fsr-4224	286	17	competence	competence	NOUN
fsr-4224	286	18	,	,	PUNCT
fsr-4224	286	19	boosts	boost	VERB
fsr-4224	286	20	proactive	proactive	ADJ
fsr-4224	286	21	decision	decision	NOUN
fsr-4224	286	22	-	-	PUNCT
fsr-4224	286	23	making	making	NOUN
fsr-4224	286	24	(	(	PUNCT
fsr-4224	286	25	talwar	talwar	PROPN
fsr-4224	286	26	et	et	PROPN
fsr-4224	286	27	al	al	PROPN
fsr-4224	286	28	.	.	PROPN
fsr-4224	286	29	,	,	PUNCT
fsr-4224	286	30	2021	2021	NUM
fsr-4224	286	31	)	)	PUNCT
fsr-4224	286	32	.	.	PUNCT
fsr-4224	287	1	low	low	ADJ
fsr-4224	287	2	peer	peer	NOUN
fsr-4224	287	3	influence	influence	NOUN
fsr-4224	287	4	encourages	encourage	VERB
fsr-4224	287	5	autonomy	autonomy	NOUN
fsr-4224	287	6	,	,	PUNCT
fsr-4224	287	7	reducing	reduce	VERB
fsr-4224	287	8	negative	negative	ADJ
fsr-4224	287	9	fmbs	fmbs	ADJ
fsr-4224	287	10	(	(	PUNCT
fsr-4224	287	11	zulfaris	zulfaris	PROPN
fsr-4224	287	12	et	et	PROPN
fsr-4224	287	13	al	al	PROPN
fsr-4224	287	14	.	.	PROPN
fsr-4224	287	15	,	,	PUNCT
fsr-4224	287	16	2020	2020	NUM
fsr-4224	287	17	)	)	PUNCT
fsr-4224	287	18	,	,	PUNCT
fsr-4224	287	19	despite	despite	SCONJ
fsr-4224	287	20	low	low	ADJ
fsr-4224	287	21	self	self	NOUN
fsr-4224	287	22	-	-	PUNCT
fsr-4224	287	23	efficacy	efficacy	NOUN
fsr-4224	287	24	,	,	PUNCT
fsr-4224	287	25	intrinsic	intrinsic	ADJ
fsr-4224	287	26	motivation	motivation	NOUN
fsr-4224	287	27	(	(	PUNCT
fsr-4224	287	28	di	di	X
fsr-4224	287	29	domenico	domenico	PROPN
fsr-4224	287	30	et	et	PROPN
fsr-4224	287	31	al	al	PROPN
fsr-4224	287	32	.	.	PROPN
fsr-4224	287	33	,	,	PUNCT
fsr-4224	287	34	2022	2022	NUM
fsr-4224	287	35	)	)	PUNCT
fsr-4224	287	36	and	and	CCONJ
fsr-4224	287	37	belief	belief	NOUN
fsr-4224	287	38	in	in	ADP
fsr-4224	287	39	financial	financial	ADJ
fsr-4224	287	40	knowledge	knowledge	NOUN
fsr-4224	287	41	guide	guide	VERB
fsr-4224	287	42	the	the	DET
fsr-4224	287	43	desired	desire	VERB
fsr-4224	287	44	financial	financial	ADJ
fsr-4224	287	45	behavior	behavior	NOUN
fsr-4224	287	46	(	(	PUNCT
fsr-4224	287	47	kuhnen	kuhnen	NOUN
fsr-4224	287	48	and	and	CCONJ
fsr-4224	287	49	melzer	melzer	NOUN
fsr-4224	287	50	,	,	PUNCT
fsr-4224	287	51	2018	2018	NUM
fsr-4224	287	52	;	;	PUNCT
fsr-4224	287	53	weinstein	weinstein	NOUN
fsr-4224	287	54	and	and	CCONJ
fsr-4224	287	55	stone	stone	NOUN
fsr-4224	287	56	,	,	PUNCT
fsr-4224	287	57	2018	2018	NUM
fsr-4224	287	58	)	)	PUNCT
fsr-4224	287	59	.	.	PUNCT
fsr-4224	288	1	furthermore	furthermore	ADV
fsr-4224	288	2	,	,	PUNCT
fsr-4224	288	3	individuals	individual	NOUN
fsr-4224	288	4	seek	seek	VERB
fsr-4224	288	5	consistency	consistency	NOUN
fsr-4224	288	6	between	between	ADP
fsr-4224	288	7	beliefs	belief	NOUN
fsr-4224	288	8	and	and	CCONJ
fsr-4224	288	9	actions	action	NOUN
fsr-4224	288	10	,	,	PUNCT
fsr-4224	288	11	leading	lead	VERB
fsr-4224	288	12	to	to	ADP
fsr-4224	288	13	optimistic	optimistic	ADJ
fsr-4224	288	14	,	,	PUNCT
fsr-4224	288	15	proactive	proactive	ADJ
fsr-4224	288	16	behaviors	behavior	NOUN
fsr-4224	288	17	.	.	PUNCT
fsr-4224	289	1	self	self	NOUN
fsr-4224	289	2	-	-	PUNCT
fsr-4224	289	3	directed	direct	VERB
fsr-4224	289	4	learning	learning	NOUN
fsr-4224	289	5	compensates	compensate	NOUN
fsr-4224	289	6	for	for	ADP
fsr-4224	289	7	low	low	ADJ
fsr-4224	289	8	self	self	NOUN
fsr-4224	289	9	-	-	PUNCT
fsr-4224	289	10	efficacy	efficacy	NOUN
fsr-4224	289	11	,	,	PUNCT
fsr-4224	289	12	reinforcing	reinforce	VERB
fsr-4224	289	13	positive	positive	ADJ
fsr-4224	289	14	attitudes	attitude	NOUN
fsr-4224	289	15	and	and	CCONJ
fsr-4224	289	16	financial	financial	ADJ
fsr-4224	289	17	knowledge	knowledge	NOUN
fsr-4224	289	18	over	over	ADP
fsr-4224	289	19	time	time	NOUN
fsr-4224	289	20	.	.	PUNCT
fsr-4224	290	1	in	in	ADP
fsr-4224	290	2	post	post	ADJ
fsr-4224	290	3	-	-	ADJ
fsr-4224	290	4	communist	communist	ADJ
fsr-4224	290	5	societies	society	NOUN
fsr-4224	290	6	like	like	ADP
fsr-4224	290	7	poland	poland	PROPN
fsr-4224	290	8	,	,	PUNCT
fsr-4224	290	9	where	where	SCONJ
fsr-4224	290	10	formal	formal	ADJ
fsr-4224	290	11	financial	financial	ADJ
fsr-4224	290	12	education	education	NOUN
fsr-4224	290	13	has	have	AUX
fsr-4224	290	14	been	be	AUX
fsr-4224	290	15	limited	limit	VERB
fsr-4224	290	16	,	,	PUNCT
fsr-4224	290	17	subjective	subjective	ADJ
fsr-4224	290	18	financial	financial	ADJ
fsr-4224	290	19	knowledge	knowledge	NOUN
fsr-4224	290	20	is	be	AUX
fsr-4224	290	21	crucial	crucial	ADJ
fsr-4224	290	22	for	for	ADP
fsr-4224	290	23	decision	decision	NOUN
fsr-4224	290	24	-	-	PUNCT
fsr-4224	290	25	making	making	NOUN
fsr-4224	290	26	.	.	PUNCT
fsr-4224	291	1	many	many	ADJ
fsr-4224	291	2	young	young	ADJ
fsr-4224	291	3	adults	adult	NOUN
fsr-4224	291	4	rely	rely	VERB
fsr-4224	291	5	on	on	ADP
fsr-4224	291	6	self	self	NOUN
fsr-4224	291	7	-	-	PUNCT
fsr-4224	291	8	perceived	perceive	VERB
fsr-4224	291	9	knowledge	knowledge	NOUN
fsr-4224	291	10	from	from	ADP
fsr-4224	291	11	other	other	ADJ
fsr-4224	291	12	sources	source	NOUN
fsr-4224	291	13	or	or	CCONJ
fsr-4224	291	14	self	self	NOUN
fsr-4224	291	15	-	-	PUNCT
fsr-4224	291	16	learning	learning	NOUN
fsr-4224	291	17	to	to	PART
fsr-4224	291	18	compensate	compensate	VERB
fsr-4224	291	19	for	for	ADP
fsr-4224	291	20	the	the	DET
fsr-4224	291	21	lack	lack	NOUN
fsr-4224	291	22	of	of	ADP
fsr-4224	291	23	formal	formal	ADJ
fsr-4224	291	24	education	education	NOUN
fsr-4224	291	25	.	.	PUNCT
fsr-4224	292	1	positive	positive	ADJ
fsr-4224	292	2	financial	financial	ADJ
fsr-4224	292	3	attitudes	attitude	NOUN
fsr-4224	292	4	,	,	PUNCT
fsr-4224	292	5	rooted	root	VERB
fsr-4224	292	6	in	in	ADP
fsr-4224	292	7	personal	personal	ADJ
fsr-4224	292	8	values	value	NOUN
fsr-4224	292	9	of	of	ADP
fsr-4224	292	10	responsibility	responsibility	NOUN
fsr-4224	292	11	,	,	PUNCT
fsr-4224	292	12	motivate	motivate	VERB
fsr-4224	292	13	effective	effective	ADJ
fsr-4224	292	14	saving	saving	NOUN
fsr-4224	292	15	and	and	CCONJ
fsr-4224	292	16	budgeting	budgeting	NOUN
fsr-4224	292	17	.	.	PUNCT
fsr-4224	293	1	peer	peer	NOUN
fsr-4224	293	2	influence	influence	NOUN
fsr-4224	293	3	is	be	AUX
fsr-4224	293	4	less	less	ADV
fsr-4224	293	5	significant	significant	ADJ
fsr-4224	293	6	in	in	ADP
fsr-4224	293	7	a	a	DET
fsr-4224	293	8	culture	culture	NOUN
fsr-4224	293	9	valuing	value	VERB
fsr-4224	293	10	independence	independence	NOUN
fsr-4224	293	11	,	,	PUNCT
fsr-4224	293	12	and	and	CCONJ
fsr-4224	293	13	strong	strong	ADJ
fsr-4224	293	14	attitudes	attitude	NOUN
fsr-4224	293	15	and	and	CCONJ
fsr-4224	293	16	perceived	perceive	VERB
fsr-4224	293	17	competence	competence	NOUN
fsr-4224	293	18	may	may	AUX
fsr-4224	293	19	outweigh	outweigh	VERB
fsr-4224	293	20	low	low	ADJ
fsr-4224	293	21	selfefficacy	selfefficacy	NOUN
fsr-4224	293	22	.	.	PUNCT
fsr-4224	294	1	proposition	proposition	NOUN
fsr-4224	294	2	1b	1b	NUM
fsr-4224	294	3	:	:	PUNCT
fsr-4224	294	4	a	a	DET
fsr-4224	294	5	high	high	ADJ
fsr-4224	294	6	(	(	PUNCT
fsr-4224	294	7	positive	positive	ADJ
fsr-4224	294	8	)	)	PUNCT
fsr-4224	294	9	financial	financial	ADJ
fsr-4224	294	10	attitude	attitude	NOUN
fsr-4224	294	11	,	,	PUNCT
fsr-4224	294	12	along	along	ADP
fsr-4224	294	13	with	with	ADP
fsr-4224	294	14	high	high	ADJ
fsr-4224	294	15	family	family	NOUN
fsr-4224	294	16	financial	financial	ADJ
fsr-4224	294	17	socialization	socialization	NOUN
fsr-4224	294	18	,	,	PUNCT
fsr-4224	294	19	high	high	ADJ
fsr-4224	294	20	(	(	PUNCT
fsr-4224	294	21	self	self	NOUN
fsr-4224	294	22	-	-	PUNCT
fsr-4224	294	23	perceived	perceive	VERB
fsr-4224	294	24	)	)	PUNCT
fsr-4224	294	25	ahamed	ahamed	PROPN
fsr-4224	294	26	et	et	PROPN
fsr-4224	294	27	al	al	PROPN
fsr-4224	294	28	.	.	PROPN
fsr-4224	294	29	179	179	NUM
fsr-4224	294	30	subjective	subjective	ADJ
fsr-4224	294	31	financial	financial	ADJ
fsr-4224	294	32	knowledge	knowledge	NOUN
fsr-4224	294	33	,	,	PUNCT
fsr-4224	294	34	and	and	CCONJ
fsr-4224	294	35	high	high	ADJ
fsr-4224	294	36	financial	financial	ADJ
fsr-4224	294	37	self	self	NOUN
fsr-4224	294	38	-	-	PUNCT
fsr-4224	294	39	efficacy	efficacy	NOUN
fsr-4224	294	40	,	,	PUNCT
fsr-4224	294	41	can	can	AUX
fsr-4224	294	42	result	result	VERB
fsr-4224	294	43	in	in	ADP
fsr-4224	294	44	desirable	desirable	ADJ
fsr-4224	294	45	fmb	fmb	NOUN
fsr-4224	294	46	.	.	PUNCT
fsr-4224	295	1	the	the	DET
fsr-4224	295	2	combination	combination	NOUN
fsr-4224	295	3	of	of	ADP
fsr-4224	295	4	a	a	DET
fsr-4224	295	5	positive	positive	ADJ
fsr-4224	295	6	financial	financial	ADJ
fsr-4224	295	7	attitude	attitude	NOUN
fsr-4224	295	8	,	,	PUNCT
fsr-4224	295	9	strong	strong	ADJ
fsr-4224	295	10	family	family	NOUN
fsr-4224	295	11	financial	financial	ADJ
fsr-4224	295	12	socialization	socialization	NOUN
fsr-4224	295	13	,	,	PUNCT
fsr-4224	295	14	high	high	ADJ
fsr-4224	295	15	subjective	subjective	ADJ
fsr-4224	295	16	financial	financial	ADJ
fsr-4224	295	17	knowledge	knowledge	NOUN
fsr-4224	295	18	,	,	PUNCT
fsr-4224	295	19	and	and	CCONJ
fsr-4224	295	20	elevated	elevated	ADJ
fsr-4224	295	21	financial	financial	ADJ
fsr-4224	295	22	self	self	NOUN
fsr-4224	295	23	-	-	PUNCT
fsr-4224	295	24	efficacy	efficacy	NOUN
fsr-4224	295	25	forms	form	VERB
fsr-4224	295	26	a	a	DET
fsr-4224	295	27	comprehensive	comprehensive	ADJ
fsr-4224	295	28	framework	framework	NOUN
fsr-4224	295	29	that	that	PRON
fsr-4224	295	30	significantly	significantly	ADV
fsr-4224	295	31	enhances	enhance	VERB
fsr-4224	295	32	desirable	desirable	ADJ
fsr-4224	295	33	fmb	fmb	NOUN
fsr-4224	295	34	.	.	PUNCT
fsr-4224	296	1	a	a	DET
fsr-4224	296	2	positive	positive	ADJ
fsr-4224	296	3	financial	financial	ADJ
fsr-4224	296	4	attitude	attitude	NOUN
fsr-4224	296	5	drives	drive	VERB
fsr-4224	296	6	alignment	alignment	NOUN
fsr-4224	296	7	with	with	ADP
fsr-4224	296	8	long	long	ADJ
fsr-4224	296	9	-	-	PUNCT
fsr-4224	296	10	term	term	NOUN
fsr-4224	296	11	financial	financial	ADJ
fsr-4224	296	12	goals	goal	NOUN
fsr-4224	296	13	(	(	PUNCT
fsr-4224	296	14	talwar	talwar	PROPN
fsr-4224	296	15	et	et	PROPN
fsr-4224	296	16	al	al	PROPN
fsr-4224	296	17	.	.	PROPN
fsr-4224	296	18	,	,	PUNCT
fsr-4224	296	19	2021	2021	NUM
fsr-4224	296	20	)	)	PUNCT
fsr-4224	296	21	,	,	PUNCT
fsr-4224	296	22	while	while	SCONJ
fsr-4224	296	23	family	family	NOUN
fsr-4224	296	24	financial	financial	ADJ
fsr-4224	296	25	socialization	socialization	NOUN
fsr-4224	296	26	instills	instill	VERB
fsr-4224	296	27	sound	sound	NOUN
fsr-4224	296	28	practices	practice	NOUN
fsr-4224	296	29	from	from	ADP
fsr-4224	296	30	an	an	DET
fsr-4224	296	31	early	early	ADJ
fsr-4224	296	32	age	age	NOUN
fsr-4224	296	33	(	(	PUNCT
fsr-4224	296	34	ahamed	ahamed	PROPN
fsr-4224	296	35	and	and	CCONJ
fsr-4224	296	36	limbu	limbu	PROPN
fsr-4224	296	37	,	,	PUNCT
fsr-4224	296	38	2024	2024	NUM
fsr-4224	296	39	)	)	PUNCT
fsr-4224	296	40	.	.	PUNCT
fsr-4224	297	1	high	high	ADJ
fsr-4224	297	2	subjective	subjective	ADJ
fsr-4224	297	3	financial	financial	ADJ
fsr-4224	297	4	knowledge	knowledge	NOUN
fsr-4224	297	5	boosts	boost	VERB
fsr-4224	297	6	confidence	confidence	NOUN
fsr-4224	297	7	in	in	ADP
fsr-4224	297	8	decision	decision	NOUN
fsr-4224	297	9	-	-	PUNCT
fsr-4224	297	10	making	making	NOUN
fsr-4224	297	11	,	,	PUNCT
fsr-4224	297	12	and	and	CCONJ
fsr-4224	297	13	financial	financial	ADJ
fsr-4224	297	14	self	self	NOUN
fsr-4224	297	15	-	-	PUNCT
fsr-4224	297	16	efficacy	efficacy	NOUN
fsr-4224	297	17	reinforces	reinforce	VERB
fsr-4224	297	18	belief	belief	NOUN
fsr-4224	297	19	in	in	ADP
fsr-4224	297	20	one	one	NUM
fsr-4224	297	21	’s	’s	PART
fsr-4224	297	22	ability	ability	NOUN
fsr-4224	297	23	to	to	PART
fsr-4224	297	24	manage	manage	VERB
fsr-4224	297	25	finances	finance	NOUN
fsr-4224	297	26	effectively	effectively	ADV
fsr-4224	297	27	(	(	PUNCT
fsr-4224	297	28	lind	lind	PROPN
fsr-4224	297	29	et	et	PROPN
fsr-4224	297	30	al	al	PROPN
fsr-4224	297	31	.	.	PROPN
fsr-4224	297	32	,	,	PUNCT
fsr-4224	297	33	2020	2020	NUM
fsr-4224	297	34	)	)	PUNCT
fsr-4224	297	35	.	.	PUNCT
fsr-4224	298	1	together	together	ADV
fsr-4224	298	2	,	,	PUNCT
fsr-4224	298	3	these	these	DET
fsr-4224	298	4	elements	element	NOUN
fsr-4224	298	5	promote	promote	VERB
fsr-4224	298	6	informed	informed	ADJ
fsr-4224	298	7	decision	decision	NOUN
fsr-4224	298	8	-	-	PUNCT
fsr-4224	298	9	making	making	NOUN
fsr-4224	298	10	,	,	PUNCT
fsr-4224	298	11	autonomy	autonomy	NOUN
fsr-4224	298	12	,	,	PUNCT
fsr-4224	298	13	and	and	CCONJ
fsr-4224	298	14	responsible	responsible	ADJ
fsr-4224	298	15	fmb	fmb	NOUN
fsr-4224	298	16	.	.	PUNCT
fsr-4224	299	1	this	this	DET
fsr-4224	299	2	proposition	proposition	NOUN
fsr-4224	299	3	extends	extend	VERB
fsr-4224	299	4	the	the	DET
fsr-4224	299	5	pls	pls	NOUN
fsr-4224	299	6	results	result	NOUN
fsr-4224	299	7	(	(	PUNCT
fsr-4224	299	8	table	table	NOUN
fsr-4224	299	9	5	5	NUM
fsr-4224	299	10	)	)	PUNCT
fsr-4224	299	11	and	and	CCONJ
fsr-4224	299	12	aligns	align	VERB
fsr-4224	299	13	with	with	ADP
fsr-4224	299	14	existing	exist	VERB
fsr-4224	299	15	research	research	NOUN
fsr-4224	299	16	,	,	PUNCT
fsr-4224	299	17	emphasizing	emphasize	VERB
fsr-4224	299	18	that	that	SCONJ
fsr-4224	299	19	family	family	NOUN
fsr-4224	299	20	financial	financial	ADJ
fsr-4224	299	21	socialization	socialization	NOUN
fsr-4224	299	22	is	be	AUX
fsr-4224	299	23	an	an	DET
fsr-4224	299	24	important	important	ADJ
fsr-4224	299	25	predictor	predictor	NOUN
fsr-4224	299	26	of	of	ADP
fsr-4224	299	27	fmb	fmb	PROPN
fsr-4224	299	28	(	(	PUNCT
fsr-4224	299	29	ahamed	ahamed	PROPN
fsr-4224	299	30	and	and	CCONJ
fsr-4224	299	31	limbu	limbu	PROPN
fsr-4224	299	32	,	,	PUNCT
fsr-4224	299	33	2024	2024	NUM
fsr-4224	299	34	)	)	PUNCT
fsr-4224	299	35	and	and	CCONJ
fsr-4224	299	36	it	it	PRON
fsr-4224	299	37	is	be	AUX
fsr-4224	299	38	most	most	ADV
fsr-4224	299	39	effective	effective	ADJ
fsr-4224	299	40	when	when	SCONJ
fsr-4224	299	41	combined	combine	VERB
fsr-4224	299	42	with	with	ADP
fsr-4224	299	43	financial	financial	ADJ
fsr-4224	299	44	attitude	attitude	NOUN
fsr-4224	299	45	,	,	PUNCT
fsr-4224	299	46	knowledge	knowledge	NOUN
fsr-4224	299	47	,	,	PUNCT
fsr-4224	299	48	and	and	CCONJ
fsr-4224	299	49	self	self	NOUN
fsr-4224	299	50	-	-	PUNCT
fsr-4224	299	51	efficacy	efficacy	NOUN
fsr-4224	299	52	.	.	PUNCT
fsr-4224	300	1	in	in	ADP
fsr-4224	300	2	the	the	DET
fsr-4224	300	3	polish	polish	ADJ
fsr-4224	300	4	context	context	NOUN
fsr-4224	300	5	,	,	PUNCT
fsr-4224	300	6	where	where	SCONJ
fsr-4224	300	7	intergenerational	intergenerational	ADJ
fsr-4224	300	8	transmission	transmission	NOUN
fsr-4224	300	9	of	of	ADP
fsr-4224	300	10	financial	financial	ADJ
fsr-4224	300	11	habits	habit	NOUN
fsr-4224	300	12	is	be	AUX
fsr-4224	300	13	strong	strong	ADJ
fsr-4224	300	14	,	,	PUNCT
fsr-4224	300	15	family	family	NOUN
fsr-4224	300	16	financial	financial	ADJ
fsr-4224	300	17	socialization	socialization	NOUN
fsr-4224	300	18	is	be	AUX
fsr-4224	300	19	expected	expect	VERB
fsr-4224	300	20	to	to	PART
fsr-4224	300	21	play	play	VERB
fsr-4224	300	22	a	a	DET
fsr-4224	300	23	vital	vital	ADJ
fsr-4224	300	24	role	role	NOUN
fsr-4224	300	25	,	,	PUNCT
fsr-4224	300	26	particularly	particularly	ADV
fsr-4224	300	27	in	in	ADP
fsr-4224	300	28	postcommunist	postcommunist	ADJ
fsr-4224	300	29	settings	setting	NOUN
fsr-4224	300	30	with	with	ADP
fsr-4224	300	31	limited	limited	ADJ
fsr-4224	300	32	formal	formal	ADJ
fsr-4224	300	33	financial	financial	ADJ
fsr-4224	300	34	education	education	NOUN
fsr-4224	300	35	.	.	PUNCT
fsr-4224	301	1	here	here	ADV
fsr-4224	301	2	,	,	PUNCT
fsr-4224	301	3	high	high	ADJ
fsr-4224	301	4	subjective	subjective	ADJ
fsr-4224	301	5	financial	financial	ADJ
fsr-4224	301	6	knowledge	knowledge	NOUN
fsr-4224	301	7	compensates	compensate	NOUN
fsr-4224	301	8	for	for	ADP
fsr-4224	301	9	educational	educational	ADJ
fsr-4224	301	10	gaps	gap	NOUN
fsr-4224	301	11	,	,	PUNCT
fsr-4224	301	12	while	while	SCONJ
fsr-4224	301	13	financial	financial	ADJ
fsr-4224	301	14	self	self	NOUN
fsr-4224	301	15	-	-	PUNCT
fsr-4224	301	16	efficacy	efficacy	NOUN
fsr-4224	301	17	is	be	AUX
fsr-4224	301	18	critical	critical	ADJ
fsr-4224	301	19	in	in	ADP
fsr-4224	301	20	navigating	navigate	VERB
fsr-4224	301	21	economic	economic	ADJ
fsr-4224	301	22	pressures	pressure	NOUN
fsr-4224	301	23	,	,	PUNCT
fsr-4224	301	24	such	such	ADJ
fsr-4224	301	25	as	as	ADP
fsr-4224	301	26	rising	rise	VERB
fsr-4224	301	27	costs	cost	NOUN
fsr-4224	301	28	and	and	CCONJ
fsr-4224	301	29	housing	housing	NOUN
fsr-4224	301	30	challenges	challenge	NOUN
fsr-4224	301	31	.	.	PUNCT
fsr-4224	302	1	the	the	DET
fsr-4224	302	2	analysis	analysis	NOUN
fsr-4224	302	3	also	also	ADV
fsr-4224	302	4	identified	identify	VERB
fsr-4224	302	5	two	two	NUM
fsr-4224	302	6	combinations	combination	NOUN
fsr-4224	302	7	for	for	ADP
fsr-4224	302	8	low	low	ADJ
fsr-4224	302	9	/	/	SYM
fsr-4224	302	10	medium	medium	ADJ
fsr-4224	302	11	(	(	PUNCT
fsr-4224	302	12	negative	negative	ADJ
fsr-4224	302	13	/	/	SYM
fsr-4224	302	14	undesirable	undesirable	ADJ
fsr-4224	302	15	)	)	PUNCT
fsr-4224	302	16	fmb	fmb	NOUN
fsr-4224	302	17	:	:	PUNCT
fsr-4224	302	18	proposition	proposition	NOUN
fsr-4224	302	19	2a	2a	NUM
fsr-4224	302	20	:	:	PUNCT
fsr-4224	302	21	an	an	DET
fsr-4224	302	22	unfavorable	unfavorable	ADJ
fsr-4224	302	23	financial	financial	ADJ
fsr-4224	302	24	attitude	attitude	NOUN
fsr-4224	302	25	and	and	CCONJ
fsr-4224	302	26	low	low	ADJ
fsr-4224	302	27	(	(	PUNCT
fsr-4224	302	28	self	self	NOUN
fsr-4224	302	29	-	-	PUNCT
fsr-4224	302	30	perceived	perceive	VERB
fsr-4224	302	31	)	)	PUNCT
fsr-4224	302	32	subjective	subjective	ADJ
fsr-4224	302	33	financial	financial	ADJ
fsr-4224	302	34	knowledge	knowledge	NOUN
fsr-4224	302	35	,	,	PUNCT
fsr-4224	302	36	despite	despite	SCONJ
fsr-4224	302	37	high	high	ADJ
fsr-4224	302	38	financial	financial	ADJ
fsr-4224	302	39	self	self	NOUN
fsr-4224	302	40	-	-	PUNCT
fsr-4224	302	41	efficacy	efficacy	NOUN
fsr-4224	302	42	,	,	PUNCT
fsr-4224	302	43	could	could	AUX
fsr-4224	302	44	still	still	ADV
fsr-4224	302	45	lead	lead	VERB
fsr-4224	302	46	to	to	ADP
fsr-4224	302	47	selfreported	selfreporte	VERB
fsr-4224	302	48	undesirable	undesirable	ADJ
fsr-4224	302	49	fmb	fmb	NOUN
fsr-4224	302	50	.	.	PUNCT
fsr-4224	303	1	an	an	DET
fsr-4224	303	2	unfavorable	unfavorable	ADJ
fsr-4224	303	3	financial	financial	ADJ
fsr-4224	303	4	attitude	attitude	NOUN
fsr-4224	303	5	and	and	CCONJ
fsr-4224	303	6	low	low	ADJ
fsr-4224	303	7	selfperceived	selfperceive	VERB
fsr-4224	303	8	financial	financial	ADJ
fsr-4224	303	9	knowledge	knowledge	NOUN
fsr-4224	303	10	can	can	AUX
fsr-4224	303	11	lead	lead	VERB
fsr-4224	303	12	to	to	ADP
fsr-4224	303	13	maladaptive	maladaptive	ADJ
fsr-4224	303	14	fmbs	fmbs	ADJ
fsr-4224	303	15	(	(	PUNCT
fsr-4224	303	16	lim	lim	PROPN
fsr-4224	303	17	et	et	PROPN
fsr-4224	303	18	al	al	PROPN
fsr-4224	303	19	.	.	PROPN
fsr-4224	303	20	,	,	PUNCT
fsr-4224	303	21	2018	2018	NUM
fsr-4224	303	22	)	)	PUNCT
fsr-4224	303	23	,	,	PUNCT
fsr-4224	303	24	even	even	ADV
fsr-4224	303	25	when	when	SCONJ
fsr-4224	303	26	financial	financial	ADJ
fsr-4224	303	27	self	self	NOUN
fsr-4224	303	28	-	-	PUNCT
fsr-4224	303	29	efficacy	efficacy	NOUN
fsr-4224	303	30	is	be	AUX
fsr-4224	303	31	high	high	ADJ
fsr-4224	303	32	(	(	PUNCT
fsr-4224	303	33	park	park	NOUN
fsr-4224	303	34	et	et	PROPN
fsr-4224	303	35	al	al	PROPN
fsr-4224	303	36	.	.	PROPN
fsr-4224	303	37	,	,	PUNCT
fsr-4224	303	38	2024	2024	NUM
fsr-4224	303	39	)	)	PUNCT
fsr-4224	303	40	.	.	PUNCT
fsr-4224	304	1	negative	negative	ADJ
fsr-4224	304	2	financial	financial	ADJ
fsr-4224	304	3	attitudes	attitude	NOUN
fsr-4224	304	4	undermine	undermine	ADJ
fsr-4224	304	5	motivation	motivation	NOUN
fsr-4224	304	6	for	for	ADP
fsr-4224	304	7	prudent	prudent	ADJ
fsr-4224	304	8	practices	practice	NOUN
fsr-4224	304	9	like	like	ADP
fsr-4224	304	10	saving	save	VERB
fsr-4224	304	11	and	and	CCONJ
fsr-4224	304	12	budgeting	budgeting	NOUN
fsr-4224	304	13	,	,	PUNCT
fsr-4224	304	14	while	while	SCONJ
fsr-4224	304	15	low	low	ADJ
fsr-4224	304	16	perceived	perceive	VERB
fsr-4224	304	17	knowledge	knowledge	NOUN
fsr-4224	304	18	causes	cause	VERB
fsr-4224	304	19	poor	poor	ADJ
fsr-4224	304	20	decision	decision	NOUN
fsr-4224	304	21	-	-	PUNCT
fsr-4224	304	22	making	making	NOUN
fsr-4224	304	23	despite	despite	SCONJ
fsr-4224	304	24	confidence	confidence	NOUN
fsr-4224	304	25	in	in	ADP
fsr-4224	304	26	one	one	NUM
fsr-4224	304	27	’s	’s	PART
fsr-4224	304	28	abilities	ability	NOUN
fsr-4224	304	29	.	.	PUNCT
fsr-4224	305	1	this	this	DET
fsr-4224	305	2	misalignment	misalignment	NOUN
fsr-4224	305	3	fosters	foster	VERB
fsr-4224	305	4	risky	risky	ADJ
fsr-4224	305	5	fmbs	fmb	NOUN
fsr-4224	305	6	,	,	PUNCT
fsr-4224	305	7	with	with	ADP
fsr-4224	305	8	psychological	psychological	ADJ
fsr-4224	305	9	factors	factor	NOUN
fsr-4224	305	10	like	like	ADP
fsr-4224	305	11	cognitive	cognitive	ADJ
fsr-4224	305	12	dissonance	dissonance	NOUN
fsr-4224	305	13	further	far	ADV
fsr-4224	305	14	exacerbating	exacerbate	VERB
fsr-4224	305	15	poor	poor	ADJ
fsr-4224	305	16	outcomes	outcome	NOUN
fsr-4224	305	17	.	.	PUNCT
fsr-4224	306	1	thus	thus	ADV
fsr-4224	306	2	,	,	PUNCT
fsr-4224	306	3	high	high	ADJ
fsr-4224	306	4	self	self	NOUN
fsr-4224	306	5	-	-	PUNCT
fsr-4224	306	6	efficacy	efficacy	NOUN
fsr-4224	306	7	alone	alone	ADV
fsr-4224	306	8	can	can	AUX
fsr-4224	306	9	not	not	PART
fsr-4224	306	10	prevent	prevent	VERB
fsr-4224	306	11	undesirable	undesirable	ADJ
fsr-4224	306	12	fmb	fmb	NOUN
fsr-4224	306	13	without	without	ADP
fsr-4224	306	14	positive	positive	ADJ
fsr-4224	306	15	attitudes	attitude	NOUN
fsr-4224	306	16	and	and	CCONJ
fsr-4224	306	17	adequate	adequate	ADJ
fsr-4224	306	18	perceived	perceive	VERB
fsr-4224	306	19	knowledge	knowledge	NOUN
fsr-4224	306	20	.	.	PUNCT
fsr-4224	307	1	in	in	ADP
fsr-4224	307	2	poland	poland	PROPN
fsr-4224	307	3	,	,	PUNCT
fsr-4224	307	4	where	where	SCONJ
fsr-4224	307	5	objective	objective	ADJ
fsr-4224	307	6	financial	financial	ADJ
fsr-4224	307	7	literacy	literacy	NOUN
fsr-4224	307	8	is	be	AUX
fsr-4224	307	9	low	low	ADJ
fsr-4224	307	10	,	,	PUNCT
fsr-4224	307	11	cultural	cultural	ADJ
fsr-4224	307	12	conservatism	conservatism	NOUN
fsr-4224	307	13	and	and	CCONJ
fsr-4224	307	14	historical	historical	ADJ
fsr-4224	307	15	economic	economic	ADJ
fsr-4224	307	16	instability	instability	NOUN
fsr-4224	307	17	have	have	AUX
fsr-4224	307	18	shaped	shape	VERB
fsr-4224	307	19	risk	risk	NOUN
fsr-4224	307	20	-	-	PUNCT
fsr-4224	307	21	averse	averse	ADJ
fsr-4224	307	22	financial	financial	ADJ
fsr-4224	307	23	attitudes	attitude	NOUN
fsr-4224	307	24	.	.	PUNCT
fsr-4224	308	1	many	many	ADJ
fsr-4224	308	2	individuals	individual	NOUN
fsr-4224	308	3	lack	lack	VERB
fsr-4224	308	4	confidence	confidence	NOUN
fsr-4224	308	5	in	in	ADP
fsr-4224	308	6	their	their	PRON
fsr-4224	308	7	financial	financial	ADJ
fsr-4224	308	8	knowledge	knowledge	NOUN
fsr-4224	308	9	,	,	PUNCT
fsr-4224	308	10	leading	lead	VERB
fsr-4224	308	11	to	to	ADP
fsr-4224	308	12	inadequate	inadequate	ADJ
fsr-4224	308	13	savings	saving	NOUN
fsr-4224	308	14	and	and	CCONJ
fsr-4224	308	15	aversion	aversion	NOUN
fsr-4224	308	16	to	to	ADP
fsr-4224	308	17	investment	investment	NOUN
fsr-4224	308	18	(	(	PUNCT
fsr-4224	308	19	cywar	cywar	NOUN
fsr-4224	308	20	,	,	PUNCT
fsr-4224	308	21	2020	2020	NUM
fsr-4224	308	22	)	)	PUNCT
fsr-4224	308	23	.	.	PUNCT
fsr-4224	309	1	limited	limited	ADJ
fsr-4224	309	2	financial	financial	ADJ
fsr-4224	309	3	education	education	NOUN
fsr-4224	309	4	perpetuates	perpetuate	VERB
fsr-4224	309	5	this	this	DET
fsr-4224	309	6	issue	issue	NOUN
fsr-4224	309	7	,	,	PUNCT
fsr-4224	309	8	with	with	ADP
fsr-4224	309	9	even	even	ADV
fsr-4224	309	10	those	those	PRON
fsr-4224	309	11	possessing	possess	VERB
fsr-4224	309	12	high	high	ADJ
fsr-4224	309	13	self	self	NOUN
fsr-4224	309	14	-	-	PUNCT
fsr-4224	309	15	efficacy	efficacy	NOUN
fsr-4224	309	16	unable	unable	ADJ
fsr-4224	309	17	to	to	PART
fsr-4224	309	18	engage	engage	VERB
fsr-4224	309	19	in	in	ADP
fsr-4224	309	20	optimal	optimal	ADJ
fsr-4224	309	21	fmb	fmb	NOUN
fsr-4224	309	22	without	without	ADP
fsr-4224	309	23	positive	positive	ADJ
fsr-4224	309	24	attitudes	attitude	NOUN
fsr-4224	309	25	and	and	CCONJ
fsr-4224	309	26	sufficient	sufficient	ADJ
fsr-4224	309	27	knowledge	knowledge	NOUN
fsr-4224	309	28	(	(	PUNCT
fsr-4224	309	29	aboagye	aboagye	NOUN
fsr-4224	309	30	and	and	CCONJ
fsr-4224	309	31	jung	jung	PROPN
fsr-4224	309	32	,	,	PUNCT
fsr-4224	309	33	2018	2018	NUM
fsr-4224	309	34	)	)	PUNCT
fsr-4224	309	35	.	.	PUNCT
fsr-4224	310	1	research	research	NOUN
fsr-4224	310	2	shows	show	VERB
fsr-4224	310	3	young	young	ADJ
fsr-4224	310	4	adults	adult	NOUN
fsr-4224	310	5	with	with	ADP
fsr-4224	310	6	negative	negative	ADJ
fsr-4224	310	7	financial	financial	ADJ
fsr-4224	310	8	attitudes	attitude	NOUN
fsr-4224	310	9	tend	tend	VERB
fsr-4224	310	10	to	to	PART
fsr-4224	310	11	neglect	neglect	VERB
fsr-4224	310	12	long	long	ADJ
fsr-4224	310	13	-	-	PUNCT
fsr-4224	310	14	term	term	NOUN
fsr-4224	310	15	planning	planning	NOUN
fsr-4224	310	16	and	and	CCONJ
fsr-4224	310	17	saving	saving	NOUN
fsr-4224	310	18	,	,	PUNCT
fsr-4224	310	19	critical	critical	ADJ
fsr-4224	310	20	in	in	ADP
fsr-4224	310	21	volatile	volatile	ADJ
fsr-4224	310	22	economies	economy	NOUN
fsr-4224	310	23	(	(	PUNCT
fsr-4224	310	24	kaiser	kaiser	NOUN
fsr-4224	310	25	et	et	PROPN
fsr-4224	310	26	al	al	PROPN
fsr-4224	310	27	.	.	PROPN
fsr-4224	310	28	,	,	PUNCT
fsr-4224	310	29	2020	2020	NUM
fsr-4224	310	30	)	)	PUNCT
fsr-4224	310	31	.	.	PUNCT
fsr-4224	311	1	low	low	ADJ
fsr-4224	311	2	subjective	subjective	ADJ
fsr-4224	311	3	knowledge	knowledge	NOUN
fsr-4224	311	4	further	far	ADV
fsr-4224	311	5	compounds	compound	VERB
fsr-4224	311	6	this	this	PRON
fsr-4224	311	7	,	,	PUNCT
fsr-4224	311	8	as	as	ADP
fsr-4224	311	9	many	many	ADJ
fsr-4224	311	10	young	young	ADJ
fsr-4224	311	11	poles	pole	NOUN
fsr-4224	311	12	,	,	PUNCT
fsr-4224	311	13	perceiving	perceive	VERB
fsr-4224	311	14	themselves	themselves	PRON
fsr-4224	311	15	as	as	ADP
fsr-4224	311	16	financially	financially	ADV
fsr-4224	311	17	uninformed	uninformed	ADJ
fsr-4224	311	18	,	,	PUNCT
fsr-4224	311	19	engage	engage	VERB
fsr-4224	311	20	in	in	ADP
fsr-4224	311	21	risky	risky	ADJ
fsr-4224	311	22	behaviors	behavior	NOUN
fsr-4224	311	23	such	such	ADJ
fsr-4224	311	24	as	as	ADP
fsr-4224	311	25	overspending	overspending	NOUN
fsr-4224	311	26	and	and	CCONJ
fsr-4224	311	27	poor	poor	ADJ
fsr-4224	311	28	budgeting	budgeting	NOUN
fsr-4224	311	29	(	(	PUNCT
fsr-4224	311	30	bień	bień	NOUN
fsr-4224	311	31	and	and	CCONJ
fsr-4224	311	32	gębski	gębski	NOUN
fsr-4224	311	33	,	,	PUNCT
fsr-4224	311	34	2024	2024	NUM
fsr-4224	311	35	)	)	PUNCT
fsr-4224	311	36	.	.	PUNCT
fsr-4224	312	1	consequently	consequently	ADV
fsr-4224	312	2	,	,	PUNCT
fsr-4224	312	3	financial	financial	ADJ
fsr-4224	312	4	self	self	NOUN
fsr-4224	312	5	-	-	PUNCT
fsr-4224	312	6	efficacy	efficacy	NOUN
fsr-4224	312	7	,	,	PUNCT
fsr-4224	312	8	when	when	SCONJ
fsr-4224	312	9	unaccompanied	unaccompanie	VERB
fsr-4224	312	10	by	by	ADP
fsr-4224	312	11	positive	positive	ADJ
fsr-4224	312	12	attitudes	attitude	NOUN
fsr-4224	312	13	and	and	CCONJ
fsr-4224	312	14	sufficient	sufficient	ADJ
fsr-4224	312	15	perceived	perceive	VERB
fsr-4224	312	16	knowledge	knowledge	NOUN
fsr-4224	312	17	,	,	PUNCT
fsr-4224	312	18	does	do	AUX
fsr-4224	312	19	not	not	PART
fsr-4224	312	20	facilitate	facilitate	VERB
fsr-4224	312	21	sound	sound	ADJ
fsr-4224	312	22	fmb	fmb	PROPN
fsr-4224	312	23	.	.	PUNCT
fsr-4224	313	1	the	the	DET
fsr-4224	313	2	polish	polish	ADJ
fsr-4224	313	3	cultural	cultural	ADJ
fsr-4224	313	4	paradigm	paradigm	NOUN
fsr-4224	313	5	,	,	PUNCT
fsr-4224	313	6	which	which	PRON
fsr-4224	313	7	places	place	VERB
fsr-4224	313	8	significant	significant	ADJ
fsr-4224	313	9	emphasis	emphasis	NOUN
fsr-4224	313	10	on	on	ADP
fsr-4224	313	11	resilience	resilience	NOUN
fsr-4224	313	12	and	and	CCONJ
fsr-4224	313	13	self	self	NOUN
fsr-4224	313	14	-	-	PUNCT
fsr-4224	313	15	reliance	reliance	NOUN
fsr-4224	313	16	,	,	PUNCT
fsr-4224	313	17	especially	especially	ADV
fsr-4224	313	18	in	in	ADP
fsr-4224	313	19	light	light	NOUN
fsr-4224	313	20	of	of	ADP
fsr-4224	313	21	the	the	DET
fsr-4224	313	22	country	country	NOUN
fsr-4224	313	23	’s	’s	PART
fsr-4224	313	24	economic	economic	ADJ
fsr-4224	313	25	history	history	NOUN
fsr-4224	313	26	,	,	PUNCT
fsr-4224	313	27	may	may	AUX
fsr-4224	313	28	foster	foster	VERB
fsr-4224	313	29	financial	financial	ADJ
fsr-4224	313	30	self	self	NOUN
fsr-4224	313	31	-	-	PUNCT
fsr-4224	313	32	efficacy	efficacy	NOUN
fsr-4224	313	33	but	but	CCONJ
fsr-4224	313	34	simultaneously	simultaneously	ADV
fsr-4224	313	35	lead	lead	VERB
fsr-4224	313	36	to	to	ADP
fsr-4224	313	37	overconfidence	overconfidence	NOUN
fsr-4224	313	38	and	and	CCONJ
fsr-4224	313	39	increased	increase	VERB
fsr-4224	313	40	risk	risk	NOUN
fsr-4224	313	41	-	-	PUNCT
fsr-4224	313	42	taking	taking	NOUN
fsr-4224	313	43	without	without	ADP
fsr-4224	313	44	comprehensive	comprehensive	ADJ
fsr-4224	313	45	understanding	understanding	NOUN
fsr-4224	313	46	of	of	ADP
fsr-4224	313	47	the	the	DET
fsr-4224	313	48	consequences	consequence	NOUN
fsr-4224	313	49	.	.	PUNCT
fsr-4224	314	1	proposition	proposition	NOUN
fsr-4224	314	2	2b	2b	NOUN
fsr-4224	314	3	:	:	PUNCT
fsr-4224	314	4	a	a	DET
fsr-4224	314	5	low	low	ADJ
fsr-4224	314	6	financial	financial	ADJ
fsr-4224	314	7	attitude	attitude	NOUN
fsr-4224	314	8	and	and	CCONJ
fsr-4224	314	9	low	low	ADJ
fsr-4224	314	10	family	family	NOUN
fsr-4224	314	11	financial	financial	ADJ
fsr-4224	314	12	socialization	socialization	NOUN
fsr-4224	314	13	can	can	AUX
fsr-4224	314	14	still	still	ADV
fsr-4224	314	15	lead	lead	VERB
fsr-4224	314	16	to	to	ADP
fsr-4224	314	17	self	self	NOUN
fsr-4224	314	18	-	-	PUNCT
fsr-4224	314	19	reported	report	VERB
fsr-4224	314	20	undesirable	undesirable	ADJ
fsr-4224	314	21	fmb	fmb	NOUN
fsr-4224	314	22	,	,	PUNCT
fsr-4224	314	23	even	even	ADV
fsr-4224	314	24	with	with	ADP
fsr-4224	314	25	high	high	ADJ
fsr-4224	314	26	peer	peer	NOUN
fsr-4224	314	27	influence	influence	NOUN
fsr-4224	314	28	and	and	CCONJ
fsr-4224	314	29	financial	financial	ADJ
fsr-4224	314	30	self	self	NOUN
fsr-4224	314	31	-	-	PUNCT
fsr-4224	314	32	efficacy	efficacy	NOUN
fsr-4224	314	33	.	.	PUNCT
fsr-4224	315	1	despite	despite	SCONJ
fsr-4224	315	2	strong	strong	ADJ
fsr-4224	315	3	peer	peer	NOUN
fsr-4224	315	4	influence	influence	NOUN
fsr-4224	315	5	and	and	CCONJ
fsr-4224	315	6	high	high	ADJ
fsr-4224	315	7	financial	financial	ADJ
fsr-4224	315	8	self	self	NOUN
fsr-4224	315	9	-	-	PUNCT
fsr-4224	315	10	efficacy	efficacy	NOUN
fsr-4224	315	11	,	,	PUNCT
fsr-4224	315	12	low	low	ADJ
fsr-4224	315	13	financial	financial	ADJ
fsr-4224	315	14	attitude	attitude	NOUN
fsr-4224	315	15	and	and	CCONJ
fsr-4224	315	16	weak	weak	ADJ
fsr-4224	315	17	family	family	NOUN
fsr-4224	315	18	financial	financial	ADJ
fsr-4224	315	19	socialization	socialization	NOUN
fsr-4224	315	20	can	can	AUX
fsr-4224	315	21	still	still	ADV
fsr-4224	315	22	lead	lead	VERB
fsr-4224	315	23	to	to	ADP
fsr-4224	315	24	undesirable	undesirable	ADJ
fsr-4224	315	25	fmbs	fmb	NOUN
fsr-4224	315	26	.	.	PUNCT
fsr-4224	316	1	a	a	DET
fsr-4224	316	2	low	low	ADJ
fsr-4224	316	3	financial	financial	ADJ
fsr-4224	316	4	attitude	attitude	NOUN
fsr-4224	316	5	reflects	reflect	VERB
fsr-4224	316	6	a	a	DET
fsr-4224	316	7	lack	lack	NOUN
fsr-4224	316	8	of	of	ADP
fsr-4224	316	9	priority	priority	NOUN
fsr-4224	316	10	on	on	ADP
fsr-4224	316	11	financial	financial	ADJ
fsr-4224	316	12	management	management	NOUN
fsr-4224	316	13	,	,	PUNCT
fsr-4224	316	14	resulting	result	VERB
fsr-4224	316	15	in	in	ADP
fsr-4224	316	16	neglect	neglect	NOUN
fsr-4224	316	17	of	of	ADP
fsr-4224	316	18	budgeting	budgeting	NOUN
fsr-4224	316	19	and	and	CCONJ
fsr-4224	316	20	saving	saving	NOUN
fsr-4224	316	21	,	,	PUNCT
fsr-4224	316	22	leading	lead	VERB
fsr-4224	316	23	to	to	ADP
fsr-4224	316	24	impulsive	impulsive	ADJ
fsr-4224	316	25	spending	spending	NOUN
fsr-4224	316	26	and	and	CCONJ
fsr-4224	316	27	poor	poor	ADJ
fsr-4224	316	28	planning	planning	NOUN
fsr-4224	316	29	.	.	PUNCT
fsr-4224	317	1	limited	limited	ADJ
fsr-4224	317	2	family	family	NOUN
fsr-4224	317	3	financial	financial	ADJ
fsr-4224	317	4	socialization	socialization	NOUN
fsr-4224	317	5	denies	deny	VERB
fsr-4224	317	6	individuals	individual	NOUN
fsr-4224	317	7	early	early	ADJ
fsr-4224	317	8	financial	financial	ADJ
fsr-4224	317	9	education	education	NOUN
fsr-4224	317	10	,	,	PUNCT
fsr-4224	317	11	weakening	weaken	VERB
fsr-4224	317	12	financial	financial	ADJ
fsr-4224	317	13	habits	habit	NOUN
fsr-4224	317	14	and	and	CCONJ
fsr-4224	317	15	decision	decision	NOUN
fsr-4224	317	16	-	-	PUNCT
fsr-4224	317	17	making	making	NOUN
fsr-4224	317	18	skills	skill	NOUN
fsr-4224	317	19	.	.	PUNCT
fsr-4224	318	1	financial	financial	ADJ
fsr-4224	318	2	services	service	NOUN
fsr-4224	318	3	review	review	NOUN
fsr-4224	318	4	,	,	PUNCT
fsr-4224	318	5	33(4	33(4	NUM
fsr-4224	318	6	)	)	PUNCT
fsr-4224	318	7	180	180	NUM
fsr-4224	318	8	while	while	SCONJ
fsr-4224	318	9	peer	peer	NOUN
fsr-4224	318	10	influence	influence	NOUN
fsr-4224	318	11	can	can	AUX
fsr-4224	318	12	shape	shape	VERB
fsr-4224	318	13	fmbs	fmbs	ADV
fsr-4224	318	14	,	,	PUNCT
fsr-4224	318	15	these	these	PRON
fsr-4224	318	16	may	may	AUX
fsr-4224	318	17	not	not	PART
fsr-4224	318	18	always	always	ADV
fsr-4224	318	19	be	be	AUX
fsr-4224	318	20	prudent	prudent	ADJ
fsr-4224	318	21	,	,	PUNCT
fsr-4224	318	22	leading	lead	VERB
fsr-4224	318	23	to	to	ADP
fsr-4224	318	24	risky	risky	ADJ
fsr-4224	318	25	spending	spending	NOUN
fsr-4224	318	26	and	and	CCONJ
fsr-4224	318	27	insufficient	insufficient	ADJ
fsr-4224	318	28	saving	saving	NOUN
fsr-4224	318	29	.	.	PUNCT
fsr-4224	319	1	high	high	ADJ
fsr-4224	319	2	financial	financial	ADJ
fsr-4224	319	3	self	self	NOUN
fsr-4224	319	4	-	-	PUNCT
fsr-4224	319	5	efficacy	efficacy	NOUN
fsr-4224	319	6	can	can	AUX
fsr-4224	319	7	also	also	ADV
fsr-4224	319	8	result	result	VERB
fsr-4224	319	9	in	in	ADP
fsr-4224	319	10	overconfidence	overconfidence	NOUN
fsr-4224	319	11	,	,	PUNCT
fsr-4224	319	12	causing	cause	VERB
fsr-4224	319	13	individuals	individual	NOUN
fsr-4224	319	14	to	to	PART
fsr-4224	319	15	underestimate	underestimate	VERB
fsr-4224	319	16	risks	risk	NOUN
fsr-4224	319	17	and	and	CCONJ
fsr-4224	319	18	make	make	VERB
fsr-4224	319	19	uninformed	uninformed	ADJ
fsr-4224	319	20	decisions	decision	NOUN
fsr-4224	319	21	.	.	PUNCT
fsr-4224	320	1	this	this	DET
fsr-4224	320	2	misalignment	misalignment	NOUN
fsr-4224	320	3	between	between	ADP
fsr-4224	320	4	attitude	attitude	NOUN
fsr-4224	320	5	,	,	PUNCT
fsr-4224	320	6	knowledge	knowledge	NOUN
fsr-4224	320	7	,	,	PUNCT
fsr-4224	320	8	and	and	CCONJ
fsr-4224	320	9	behavior	behavior	NOUN
fsr-4224	320	10	means	mean	VERB
fsr-4224	320	11	self	self	NOUN
fsr-4224	320	12	-	-	PUNCT
fsr-4224	320	13	efficacy	efficacy	NOUN
fsr-4224	320	14	and	and	CCONJ
fsr-4224	320	15	peer	peer	NOUN
fsr-4224	320	16	influence	influence	NOUN
fsr-4224	320	17	are	be	AUX
fsr-4224	320	18	not	not	PART
fsr-4224	320	19	enough	enough	ADJ
fsr-4224	320	20	without	without	ADP
fsr-4224	320	21	intrinsic	intrinsic	ADJ
fsr-4224	320	22	motivation	motivation	NOUN
fsr-4224	320	23	and	and	CCONJ
fsr-4224	320	24	foundational	foundational	ADJ
fsr-4224	320	25	financial	financial	ADJ
fsr-4224	320	26	knowledge	knowledge	NOUN
fsr-4224	320	27	.	.	PUNCT
fsr-4224	321	1	in	in	ADP
fsr-4224	321	2	poland	poland	PROPN
fsr-4224	321	3	,	,	PUNCT
fsr-4224	321	4	where	where	SCONJ
fsr-4224	321	5	financial	financial	ADJ
fsr-4224	321	6	education	education	NOUN
fsr-4224	321	7	often	often	ADV
fsr-4224	321	8	starts	start	VERB
fsr-4224	321	9	late	late	ADV
fsr-4224	321	10	,	,	PUNCT
fsr-4224	321	11	family	family	NOUN
fsr-4224	321	12	socialization	socialization	NOUN
fsr-4224	321	13	is	be	AUX
fsr-4224	321	14	crucial	crucial	ADJ
fsr-4224	321	15	.	.	PUNCT
fsr-4224	322	1	weak	weak	ADJ
fsr-4224	322	2	family	family	NOUN
fsr-4224	322	3	financial	financial	ADJ
fsr-4224	322	4	socialization	socialization	NOUN
fsr-4224	322	5	leads	lead	VERB
fsr-4224	322	6	to	to	ADP
fsr-4224	322	7	poor	poor	ADJ
fsr-4224	322	8	financial	financial	ADJ
fsr-4224	322	9	decisions	decision	NOUN
fsr-4224	322	10	despite	despite	SCONJ
fsr-4224	322	11	peer	peer	NOUN
fsr-4224	322	12	influence	influence	NOUN
fsr-4224	322	13	.	.	PUNCT
fsr-4224	323	1	research	research	NOUN
fsr-4224	323	2	shows	show	VERB
fsr-4224	323	3	peer	peer	NOUN
fsr-4224	323	4	networks	network	NOUN
fsr-4224	323	5	influence	influence	NOUN
fsr-4224	323	6	spending	spending	NOUN
fsr-4224	323	7	and	and	CCONJ
fsr-4224	323	8	saving	saving	NOUN
fsr-4224	323	9	,	,	PUNCT
fsr-4224	323	10	but	but	CCONJ
fsr-4224	323	11	this	this	PRON
fsr-4224	323	12	is	be	AUX
fsr-4224	323	13	less	less	ADV
fsr-4224	323	14	effective	effective	ADJ
fsr-4224	323	15	if	if	SCONJ
fsr-4224	323	16	individuals	individual	NOUN
fsr-4224	323	17	do	do	AUX
fsr-4224	323	18	not	not	PART
fsr-4224	323	19	value	value	VERB
fsr-4224	323	20	financial	financial	ADJ
fsr-4224	323	21	responsibility	responsibility	NOUN
fsr-4224	323	22	(	(	PUNCT
fsr-4224	323	23	kaiser	kaiser	PROPN
fsr-4224	323	24	et	et	PROPN
fsr-4224	323	25	al	al	PROPN
fsr-4224	323	26	.	.	PROPN
fsr-4224	323	27	,	,	PUNCT
fsr-4224	323	28	2020	2020	NUM
fsr-4224	323	29	)	)	PUNCT
fsr-4224	323	30	.	.	PUNCT
fsr-4224	324	1	high	high	ADJ
fsr-4224	324	2	self	self	NOUN
fsr-4224	324	3	-	-	PUNCT
fsr-4224	324	4	efficacy	efficacy	NOUN
fsr-4224	324	5	,	,	PUNCT
fsr-4224	324	6	without	without	ADP
fsr-4224	324	7	a	a	DET
fsr-4224	324	8	positive	positive	ADJ
fsr-4224	324	9	financial	financial	ADJ
fsr-4224	324	10	attitude	attitude	NOUN
fsr-4224	324	11	and	and	CCONJ
fsr-4224	324	12	adequate	adequate	ADJ
fsr-4224	324	13	family	family	NOUN
fsr-4224	324	14	socialization	socialization	NOUN
fsr-4224	324	15	,	,	PUNCT
fsr-4224	324	16	results	result	VERB
fsr-4224	324	17	in	in	ADP
fsr-4224	324	18	confidence	confidence	NOUN
fsr-4224	324	19	without	without	ADP
fsr-4224	324	20	effective	effective	ADJ
fsr-4224	324	21	financial	financial	ADJ
fsr-4224	324	22	practices	practice	NOUN
fsr-4224	324	23	,	,	PUNCT
fsr-4224	324	24	leading	lead	VERB
fsr-4224	324	25	to	to	ADP
fsr-4224	324	26	overspending	overspending	NOUN
fsr-4224	324	27	or	or	CCONJ
fsr-4224	324	28	poor	poor	ADJ
fsr-4224	324	29	planning	planning	NOUN
fsr-4224	324	30	.	.	PUNCT
fsr-4224	325	1	discussion	discussion	NOUN
fsr-4224	325	2	the	the	DET
fsr-4224	325	3	pls	pls	PROPN
fsr-4224	325	4	-	-	PUNCT
fsr-4224	325	5	sem	sem	NOUN
fsr-4224	325	6	analysis	analysis	NOUN
fsr-4224	325	7	revealed	reveal	VERB
fsr-4224	325	8	that	that	SCONJ
fsr-4224	325	9	financial	financial	ADJ
fsr-4224	325	10	attitude	attitude	NOUN
fsr-4224	325	11	and	and	CCONJ
fsr-4224	325	12	perceived	perceive	VERB
fsr-4224	325	13	behavioral	behavioral	ADJ
fsr-4224	325	14	control	control	NOUN
fsr-4224	325	15	—	—	PUNCT
fsr-4224	325	16	comprising	comprise	VERB
fsr-4224	325	17	subjective	subjective	ADJ
fsr-4224	325	18	financial	financial	ADJ
fsr-4224	325	19	knowledge	knowledge	NOUN
fsr-4224	325	20	and	and	CCONJ
fsr-4224	325	21	financial	financial	ADJ
fsr-4224	325	22	self	self	NOUN
fsr-4224	325	23	-	-	PUNCT
fsr-4224	325	24	efficacy	efficacy	NOUN
fsr-4224	325	25	—	—	PUNCT
fsr-4224	325	26	are	be	AUX
fsr-4224	325	27	positively	positively	ADV
fsr-4224	325	28	linked	link	VERB
fsr-4224	325	29	with	with	ADP
fsr-4224	325	30	effective	effective	ADJ
fsr-4224	325	31	fmb	fmb	NOUN
fsr-4224	325	32	,	,	PUNCT
fsr-4224	325	33	aligning	align	VERB
fsr-4224	325	34	with	with	ADP
fsr-4224	325	35	the	the	DET
fsr-4224	325	36	tpb	tpb	NOUN
fsr-4224	325	37	(	(	PUNCT
fsr-4224	325	38	ajzen	ajzen	NOUN
fsr-4224	325	39	,	,	PUNCT
fsr-4224	325	40	1991	1991	NUM
fsr-4224	325	41	)	)	PUNCT
fsr-4224	325	42	.	.	PUNCT
fsr-4224	326	1	similar	similar	ADJ
fsr-4224	326	2	findings	finding	NOUN
fsr-4224	326	3	were	be	AUX
fsr-4224	326	4	reported	report	VERB
fsr-4224	326	5	by	by	ADP
fsr-4224	326	6	she	she	PRON
fsr-4224	326	7	et	et	PROPN
fsr-4224	326	8	al	al	PROPN
fsr-4224	326	9	.	.	PROPN
fsr-4224	327	1	(	(	PUNCT
fsr-4224	327	2	2024	2024	NUM
fsr-4224	327	3	)	)	PUNCT
fsr-4224	327	4	and	and	CCONJ
fsr-4224	327	5	dare	dare	VERB
fsr-4224	327	6	et	et	PROPN
fsr-4224	327	7	al	al	PROPN
fsr-4224	327	8	.	.	PROPN
fsr-4224	328	1	(	(	PUNCT
fsr-4224	328	2	2023	2023	NUM
fsr-4224	328	3	)	)	PUNCT
fsr-4224	328	4	,	,	PUNCT
fsr-4224	328	5	who	who	PRON
fsr-4224	328	6	identified	identify	VERB
fsr-4224	328	7	positive	positive	ADJ
fsr-4224	328	8	effects	effect	NOUN
fsr-4224	328	9	of	of	ADP
fsr-4224	328	10	financial	financial	ADJ
fsr-4224	328	11	knowledge	knowledge	NOUN
fsr-4224	328	12	and	and	CCONJ
fsr-4224	328	13	self	self	NOUN
fsr-4224	328	14	-	-	PUNCT
fsr-4224	328	15	efficacy	efficacy	NOUN
fsr-4224	328	16	on	on	ADP
fsr-4224	328	17	fmb	fmb	PROPN
fsr-4224	328	18	.	.	PUNCT
fsr-4224	329	1	however	however	ADV
fsr-4224	329	2	,	,	PUNCT
fsr-4224	329	3	social	social	ADJ
fsr-4224	329	4	norms	norm	NOUN
fsr-4224	329	5	,	,	PUNCT
fsr-4224	329	6	such	such	ADJ
fsr-4224	329	7	as	as	ADP
fsr-4224	329	8	family	family	NOUN
fsr-4224	329	9	financial	financial	ADJ
fsr-4224	329	10	socialization	socialization	NOUN
fsr-4224	329	11	and	and	CCONJ
fsr-4224	329	12	peer	peer	NOUN
fsr-4224	329	13	influence	influence	NOUN
fsr-4224	329	14	,	,	PUNCT
fsr-4224	329	15	presented	present	VERB
fsr-4224	329	16	divergent	divergent	ADJ
fsr-4224	329	17	results	result	NOUN
fsr-4224	329	18	.	.	PUNCT
fsr-4224	330	1	while	while	SCONJ
fsr-4224	330	2	sabri	sabri	PROPN
fsr-4224	330	3	et	et	PROPN
fsr-4224	330	4	al	al	PROPN
fsr-4224	330	5	.	.	PROPN
fsr-4224	331	1	(	(	PUNCT
fsr-4224	331	2	2023	2023	NUM
fsr-4224	331	3	)	)	PUNCT
fsr-4224	331	4	found	find	VERB
fsr-4224	331	5	financial	financial	ADJ
fsr-4224	331	6	socialization	socialization	NOUN
fsr-4224	331	7	positively	positively	ADV
fsr-4224	331	8	impacts	impact	VERB
fsr-4224	331	9	fmb	fmb	PROPN
fsr-4224	331	10	of	of	ADP
fsr-4224	331	11	malaysian	malaysian	ADJ
fsr-4224	331	12	respondents	respondent	NOUN
fsr-4224	331	13	,	,	PUNCT
fsr-4224	331	14	this	this	DET
fsr-4224	331	15	study	study	NOUN
fsr-4224	331	16	found	find	VERB
fsr-4224	331	17	no	no	DET
fsr-4224	331	18	significant	significant	ADJ
fsr-4224	331	19	effect	effect	NOUN
fsr-4224	331	20	of	of	ADP
fsr-4224	331	21	family	family	NOUN
fsr-4224	331	22	financial	financial	ADJ
fsr-4224	331	23	socialization	socialization	NOUN
fsr-4224	331	24	in	in	ADP
fsr-4224	331	25	poland	poland	PROPN
fsr-4224	331	26	,	,	PUNCT
fsr-4224	331	27	likely	likely	ADJ
fsr-4224	331	28	due	due	ADP
fsr-4224	331	29	to	to	ADP
fsr-4224	331	30	differences	difference	NOUN
fsr-4224	331	31	in	in	ADP
fsr-4224	331	32	family	family	NOUN
fsr-4224	331	33	structures	structure	NOUN
fsr-4224	331	34	and	and	CCONJ
fsr-4224	331	35	financial	financial	ADJ
fsr-4224	331	36	literacy	literacy	NOUN
fsr-4224	331	37	(	(	PUNCT
fsr-4224	331	38	cwynar	cwynar	NOUN
fsr-4224	331	39	,	,	PUNCT
fsr-4224	331	40	2020	2020	NUM
fsr-4224	331	41	;	;	PUNCT
fsr-4224	331	42	świecka	świecka	PROPN
fsr-4224	331	43	et	et	PROPN
fsr-4224	331	44	al	al	PROPN
fsr-4224	331	45	.	.	PROPN
fsr-4224	331	46	,	,	PUNCT
fsr-4224	331	47	2019	2019	NUM
fsr-4224	331	48	;	;	PUNCT
fsr-4224	331	49	swiecka	swiecka	NOUN
fsr-4224	331	50	et	et	PROPN
fsr-4224	331	51	al	al	PROPN
fsr-4224	331	52	.	.	PROPN
fsr-4224	331	53	,	,	PUNCT
fsr-4224	331	54	2020	2020	NUM
fsr-4224	331	55	)	)	PUNCT
fsr-4224	331	56	.	.	PUNCT
fsr-4224	332	1	consequently	consequently	ADV
fsr-4224	332	2	,	,	PUNCT
fsr-4224	332	3	young	young	ADJ
fsr-4224	332	4	people	people	NOUN
fsr-4224	332	5	may	may	AUX
fsr-4224	332	6	not	not	PART
fsr-4224	332	7	receive	receive	VERB
fsr-4224	332	8	the	the	DET
fsr-4224	332	9	necessary	necessary	ADJ
fsr-4224	332	10	skills	skill	NOUN
fsr-4224	332	11	and	and	CCONJ
fsr-4224	332	12	knowledge	knowledge	NOUN
fsr-4224	332	13	to	to	PART
fsr-4224	332	14	manage	manage	VERB
fsr-4224	332	15	their	their	PRON
fsr-4224	332	16	finances	finance	NOUN
fsr-4224	332	17	effectively	effectively	ADV
fsr-4224	332	18	from	from	ADP
fsr-4224	332	19	their	their	PRON
fsr-4224	332	20	parents	parent	NOUN
fsr-4224	332	21	.	.	PUNCT
fsr-4224	333	1	the	the	DET
fsr-4224	333	2	transition	transition	NOUN
fsr-4224	333	3	from	from	ADP
fsr-4224	333	4	a	a	DET
fsr-4224	333	5	communist	communist	NOUN
fsr-4224	333	6	to	to	ADP
fsr-4224	333	7	a	a	DET
fsr-4224	333	8	market	market	NOUN
fsr-4224	333	9	economy	economy	NOUN
fsr-4224	333	10	in	in	ADP
fsr-4224	333	11	poland	poland	PROPN
fsr-4224	333	12	has	have	AUX
fsr-4224	333	13	led	lead	VERB
fsr-4224	333	14	to	to	ADP
fsr-4224	333	15	significant	significant	ADJ
fsr-4224	333	16	changes	change	NOUN
fsr-4224	333	17	in	in	ADP
fsr-4224	333	18	financial	financial	ADJ
fsr-4224	333	19	systems	system	NOUN
fsr-4224	333	20	and	and	CCONJ
fsr-4224	333	21	behaviors	behavior	NOUN
fsr-4224	333	22	(	(	PUNCT
fsr-4224	333	23	cwynar	cwynar	PROPN
fsr-4224	333	24	,	,	PUNCT
fsr-4224	333	25	2020	2020	NUM
fsr-4224	333	26	)	)	PUNCT
fsr-4224	333	27	.	.	PUNCT
fsr-4224	334	1	many	many	ADJ
fsr-4224	334	2	parents	parent	NOUN
fsr-4224	334	3	may	may	AUX
fsr-4224	334	4	still	still	ADV
fsr-4224	334	5	adjust	adjust	VERB
fsr-4224	334	6	to	to	ADP
fsr-4224	334	7	these	these	DET
fsr-4224	334	8	changes	change	NOUN
fsr-4224	334	9	and	and	CCONJ
fsr-4224	334	10	might	might	AUX
fsr-4224	334	11	not	not	PART
fsr-4224	334	12	be	be	AUX
fsr-4224	334	13	fully	fully	ADV
fsr-4224	334	14	equipped	equip	VERB
fsr-4224	334	15	to	to	PART
fsr-4224	334	16	teach	teach	VERB
fsr-4224	334	17	their	their	PRON
fsr-4224	334	18	children	child	NOUN
fsr-4224	334	19	modern	modern	ADJ
fsr-4224	334	20	financial	financial	ADJ
fsr-4224	334	21	management	management	NOUN
fsr-4224	334	22	skills	skill	NOUN
fsr-4224	334	23	,	,	PUNCT
fsr-4224	334	24	resulting	result	VERB
fsr-4224	334	25	in	in	ADP
fsr-4224	334	26	less	less	ADV
fsr-4224	334	27	impactful	impactful	ADJ
fsr-4224	334	28	family	family	NOUN
fsr-4224	334	29	financial	financial	ADJ
fsr-4224	334	30	socialization	socialization	NOUN
fsr-4224	334	31	.	.	PUNCT
fsr-4224	335	1	furthermore	furthermore	ADV
fsr-4224	335	2	,	,	PUNCT
fsr-4224	335	3	as	as	SCONJ
fsr-4224	335	4	families	family	NOUN
fsr-4224	335	5	become	become	VERB
fsr-4224	335	6	smaller	small	ADJ
fsr-4224	335	7	and	and	CCONJ
fsr-4224	335	8	parents	parent	NOUN
fsr-4224	335	9	have	have	VERB
fsr-4224	335	10	less	less	ADJ
fsr-4224	335	11	time	time	NOUN
fsr-4224	335	12	,	,	PUNCT
fsr-4224	335	13	the	the	DET
fsr-4224	335	14	transmission	transmission	NOUN
fsr-4224	335	15	of	of	ADP
fsr-4224	335	16	financial	financial	ADJ
fsr-4224	335	17	knowledge	knowledge	NOUN
fsr-4224	335	18	may	may	AUX
fsr-4224	335	19	decrease	decrease	VERB
fsr-4224	335	20	(	(	PUNCT
fsr-4224	335	21	kumar	kumar	PROPN
fsr-4224	335	22	et	et	PROPN
fsr-4224	335	23	al	al	PROPN
fsr-4224	335	24	.	.	PROPN
fsr-4224	335	25	,	,	PUNCT
fsr-4224	335	26	2024	2024	NUM
fsr-4224	335	27	)	)	PUNCT
fsr-4224	335	28	.	.	PUNCT
fsr-4224	336	1	additionally	additionally	ADV
fsr-4224	336	2	,	,	PUNCT
fsr-4224	336	3	we	we	PRON
fsr-4224	336	4	found	find	VERB
fsr-4224	336	5	that	that	SCONJ
fsr-4224	336	6	peer	peer	NOUN
fsr-4224	336	7	influence	influence	NOUN
fsr-4224	336	8	had	have	VERB
fsr-4224	336	9	a	a	DET
fsr-4224	336	10	negative	negative	ADJ
fsr-4224	336	11	and	and	CCONJ
fsr-4224	336	12	significant	significant	ADJ
fsr-4224	336	13	impact	impact	NOUN
fsr-4224	336	14	on	on	ADP
fsr-4224	336	15	fmb	fmb	PROPN
fsr-4224	336	16	,	,	PUNCT
fsr-4224	336	17	contrary	contrary	ADJ
fsr-4224	336	18	to	to	ADP
fsr-4224	336	19	expectations	expectation	NOUN
fsr-4224	336	20	.	.	PUNCT
fsr-4224	337	1	this	this	PRON
fsr-4224	337	2	may	may	AUX
fsr-4224	337	3	be	be	AUX
fsr-4224	337	4	due	due	ADJ
fsr-4224	337	5	to	to	ADP
fsr-4224	337	6	the	the	DET
fsr-4224	337	7	low	low	ADJ
fsr-4224	337	8	levels	level	NOUN
fsr-4224	337	9	of	of	ADP
fsr-4224	337	10	social	social	ADJ
fsr-4224	337	11	trust	trust	NOUN
fsr-4224	337	12	in	in	ADP
fsr-4224	337	13	poland	poland	PROPN
fsr-4224	337	14	(	(	PUNCT
fsr-4224	337	15	curtis	curtis	PROPN
fsr-4224	337	16	et	et	PROPN
fsr-4224	337	17	al	al	PROPN
fsr-4224	337	18	.	.	PROPN
fsr-4224	337	19	,	,	PUNCT
fsr-4224	337	20	2010	2010	NUM
fsr-4224	337	21	)	)	PUNCT
fsr-4224	337	22	,	,	PUNCT
fsr-4224	337	23	where	where	SCONJ
fsr-4224	337	24	peer	peer	NOUN
fsr-4224	337	25	influence	influence	NOUN
fsr-4224	337	26	often	often	ADV
fsr-4224	337	27	encourages	encourage	VERB
fsr-4224	337	28	risky	risky	ADJ
fsr-4224	337	29	fmb	fmb	NOUN
fsr-4224	337	30	,	,	PUNCT
fsr-4224	337	31	especially	especially	ADV
fsr-4224	337	32	among	among	ADP
fsr-4224	337	33	young	young	ADJ
fsr-4224	337	34	adults	adult	NOUN
fsr-4224	337	35	(	(	PUNCT
fsr-4224	337	36	gardner	gardner	NOUN
fsr-4224	337	37	and	and	CCONJ
fsr-4224	337	38	steinberg	steinberg	PROPN
fsr-4224	337	39	,	,	PUNCT
fsr-4224	337	40	2005	2005	NUM
fsr-4224	337	41	)	)	PUNCT
fsr-4224	337	42	.	.	PUNCT
fsr-4224	338	1	social	social	ADJ
fsr-4224	338	2	pressures	pressure	NOUN
fsr-4224	338	3	,	,	PUNCT
fsr-4224	338	4	particularly	particularly	ADV
fsr-4224	338	5	in	in	ADP
fsr-4224	338	6	consumer	consumer	NOUN
fsr-4224	338	7	-	-	PUNCT
fsr-4224	338	8	driven	drive	VERB
fsr-4224	338	9	environments	environment	NOUN
fsr-4224	338	10	amplified	amplify	VERB
fsr-4224	338	11	by	by	ADP
fsr-4224	338	12	social	social	ADJ
fsr-4224	338	13	media	medium	NOUN
fsr-4224	338	14	,	,	PUNCT
fsr-4224	338	15	lead	lead	VERB
fsr-4224	338	16	to	to	ADP
fsr-4224	338	17	impulsive	impulsive	ADJ
fsr-4224	338	18	spending	spending	NOUN
fsr-4224	338	19	on	on	ADP
fsr-4224	338	20	items	item	NOUN
fsr-4224	338	21	like	like	ADP
fsr-4224	338	22	fashion	fashion	NOUN
fsr-4224	338	23	and	and	CCONJ
fsr-4224	338	24	technology	technology	NOUN
fsr-4224	338	25	.	.	PUNCT
fsr-4224	339	1	peers	peer	NOUN
fsr-4224	339	2	,	,	PUNCT
fsr-4224	339	3	who	who	PRON
fsr-4224	339	4	may	may	AUX
fsr-4224	339	5	also	also	ADV
fsr-4224	339	6	lack	lack	VERB
fsr-4224	339	7	financial	financial	ADJ
fsr-4224	339	8	knowledge	knowledge	NOUN
fsr-4224	339	9	,	,	PUNCT
fsr-4224	339	10	reinforce	reinforce	VERB
fsr-4224	339	11	poor	poor	ADJ
fsr-4224	339	12	financial	financial	ADJ
fsr-4224	339	13	habits	habit	NOUN
fsr-4224	339	14	,	,	PUNCT
fsr-4224	339	15	resulting	result	VERB
fsr-4224	339	16	in	in	ADP
fsr-4224	339	17	impulsive	impulsive	ADJ
fsr-4224	339	18	consumption	consumption	NOUN
fsr-4224	339	19	,	,	PUNCT
fsr-4224	339	20	inadequate	inadequate	ADJ
fsr-4224	339	21	saving	saving	NOUN
fsr-4224	339	22	,	,	PUNCT
fsr-4224	339	23	and	and	CCONJ
fsr-4224	339	24	rising	rise	VERB
fsr-4224	339	25	debt	debt	NOUN
fsr-4224	339	26	.	.	PUNCT
fsr-4224	340	1	additionally	additionally	ADV
fsr-4224	340	2	,	,	PUNCT
fsr-4224	340	3	poland	poland	PROPN
fsr-4224	340	4	's	's	PART
fsr-4224	340	5	cultural	cultural	ADJ
fsr-4224	340	6	preference	preference	NOUN
fsr-4224	340	7	for	for	ADP
fsr-4224	340	8	immediate	immediate	ADJ
fsr-4224	340	9	gratification	gratification	NOUN
fsr-4224	340	10	over	over	ADP
fsr-4224	340	11	long	long	ADJ
fsr-4224	340	12	-	-	PUNCT
fsr-4224	340	13	term	term	NOUN
fsr-4224	340	14	planning	planning	NOUN
fsr-4224	340	15	exacerbates	exacerbate	VERB
fsr-4224	340	16	these	these	DET
fsr-4224	340	17	behaviors	behavior	NOUN
fsr-4224	340	18	(	(	PUNCT
fsr-4224	340	19	gschwandtner	gschwandtner	NOUN
fsr-4224	340	20	et	et	PROPN
fsr-4224	340	21	al	al	PROPN
fsr-4224	340	22	.	.	PROPN
fsr-4224	340	23	,	,	PUNCT
fsr-4224	340	24	2022	2022	NUM
fsr-4224	340	25	;	;	PUNCT
fsr-4224	340	26	panek	panek	NOUN
fsr-4224	340	27	,	,	PUNCT
fsr-4224	340	28	2012	2012	NUM
fsr-4224	340	29	)	)	PUNCT
fsr-4224	340	30	.	.	PUNCT
fsr-4224	341	1	the	the	DET
fsr-4224	341	2	unexpected	unexpected	ADJ
fsr-4224	341	3	pls	pls	NOUN
fsr-4224	341	4	findings	finding	NOUN
fsr-4224	341	5	,	,	PUNCT
fsr-4224	341	6	which	which	PRON
fsr-4224	341	7	indicate	indicate	VERB
fsr-4224	341	8	that	that	SCONJ
fsr-4224	341	9	social	social	ADJ
fsr-4224	341	10	norms	norm	NOUN
fsr-4224	341	11	have	have	VERB
fsr-4224	341	12	a	a	DET
fsr-4224	341	13	minimal	minimal	ADJ
fsr-4224	341	14	influence	influence	NOUN
fsr-4224	341	15	on	on	ADP
fsr-4224	341	16	fmb	fmb	PROPN
fsr-4224	341	17	,	,	PUNCT
fsr-4224	341	18	are	be	AUX
fsr-4224	341	19	consistent	consistent	ADJ
fsr-4224	341	20	with	with	ADP
fsr-4224	341	21	prior	prior	ADJ
fsr-4224	341	22	research	research	NOUN
fsr-4224	341	23	suggesting	suggest	VERB
fsr-4224	341	24	that	that	SCONJ
fsr-4224	341	25	personal	personal	ADJ
fsr-4224	341	26	norms	norm	NOUN
fsr-4224	341	27	,	,	PUNCT
fsr-4224	341	28	rather	rather	ADV
fsr-4224	341	29	than	than	ADP
fsr-4224	341	30	social	social	ADJ
fsr-4224	341	31	norms	norm	NOUN
fsr-4224	341	32	,	,	PUNCT
fsr-4224	341	33	play	play	VERB
fsr-4224	341	34	a	a	DET
fsr-4224	341	35	more	more	ADV
fsr-4224	341	36	critical	critical	ADJ
fsr-4224	341	37	role	role	NOUN
fsr-4224	341	38	in	in	ADP
fsr-4224	341	39	shaping	shape	VERB
fsr-4224	341	40	economic	economic	ADJ
fsr-4224	341	41	behavior	behavior	NOUN
fsr-4224	341	42	(	(	PUNCT
fsr-4224	341	43	bašić	bašić	PROPN
fsr-4224	341	44	&	&	CCONJ
fsr-4224	341	45	verrina	verrina	PROPN
fsr-4224	341	46	,	,	PUNCT
fsr-4224	341	47	2023	2023	NUM
fsr-4224	341	48	)	)	PUNCT
fsr-4224	341	49	.	.	PUNCT
fsr-4224	342	1	further	far	ADV
fsr-4224	342	2	,	,	PUNCT
fsr-4224	342	3	this	this	PRON
fsr-4224	342	4	underscores	underscore	VERB
fsr-4224	342	5	the	the	DET
fsr-4224	342	6	necessity	necessity	NOUN
fsr-4224	342	7	for	for	ADP
fsr-4224	342	8	more	more	ADV
fsr-4224	342	9	sophisticated	sophisticated	ADJ
fsr-4224	342	10	statistical	statistical	ADJ
fsr-4224	342	11	methodologies	methodology	NOUN
fsr-4224	342	12	beyond	beyond	ADP
fsr-4224	342	13	traditional	traditional	ADJ
fsr-4224	342	14	regression	regression	NOUN
fsr-4224	342	15	models	model	NOUN
fsr-4224	342	16	,	,	PUNCT
fsr-4224	342	17	to	to	PART
fsr-4224	342	18	account	account	VERB
fsr-4224	342	19	for	for	ADP
fsr-4224	342	20	the	the	DET
fsr-4224	342	21	diverse	diverse	ADJ
fsr-4224	342	22	contextual	contextual	ADJ
fsr-4224	342	23	variations	variation	NOUN
fsr-4224	342	24	influencing	influence	VERB
fsr-4224	342	25	causal	causal	ADJ
fsr-4224	342	26	relationships	relationship	NOUN
fsr-4224	342	27	.	.	PUNCT
fsr-4224	343	1	the	the	DET
fsr-4224	343	2	fsqca	fsqca	NOUN
fsr-4224	343	3	analysis	analysis	NOUN
fsr-4224	343	4	,	,	PUNCT
fsr-4224	343	5	in	in	ADP
fsr-4224	343	6	contrast	contrast	NOUN
fsr-4224	343	7	,	,	PUNCT
fsr-4224	343	8	provided	provide	VERB
fsr-4224	343	9	more	more	ADV
fsr-4224	343	10	robust	robust	ADJ
fsr-4224	343	11	and	and	CCONJ
fsr-4224	343	12	nuanced	nuanced	ADJ
fsr-4224	343	13	insights	insight	NOUN
fsr-4224	343	14	due	due	ADP
fsr-4224	343	15	to	to	ADP
fsr-4224	343	16	its	its	PRON
fsr-4224	343	17	case	case	NOUN
fsr-4224	343	18	-	-	PUNCT
fsr-4224	343	19	oriented	orient	VERB
fsr-4224	343	20	approach	approach	NOUN
fsr-4224	343	21	.	.	PUNCT
fsr-4224	344	1	while	while	SCONJ
fsr-4224	344	2	pls	pls	NOUN
fsr-4224	344	3	-	-	PUNCT
fsr-4224	344	4	sem	sem	NOUN
fsr-4224	344	5	evaluates	evaluate	VERB
fsr-4224	344	6	the	the	DET
fsr-4224	344	7	net	net	ADJ
fsr-4224	344	8	effects	effect	NOUN
fsr-4224	344	9	of	of	ADP
fsr-4224	344	10	antecedents	antecedent	NOUN
fsr-4224	344	11	on	on	ADP
fsr-4224	344	12	outcomes	outcome	NOUN
fsr-4224	344	13	,	,	PUNCT
fsr-4224	344	14	fsqca	fsqca	NOUN
fsr-4224	344	15	identifies	identify	VERB
fsr-4224	344	16	various	various	ADJ
fsr-4224	344	17	configurations	configuration	NOUN
fsr-4224	344	18	of	of	ADP
fsr-4224	344	19	antecedents	antecedent	NOUN
fsr-4224	344	20	sufficient	sufficient	ADJ
fsr-4224	344	21	to	to	PART
fsr-4224	344	22	explain	explain	VERB
fsr-4224	344	23	outcomes	outcome	NOUN
fsr-4224	344	24	(	(	PUNCT
fsr-4224	344	25	chanda	chanda	PROPN
fsr-4224	344	26	et	et	PROPN
fsr-4224	344	27	al	al	PROPN
fsr-4224	344	28	.	.	PROPN
fsr-4224	344	29	,	,	PUNCT
fsr-4224	344	30	2023	2023	NUM
fsr-4224	344	31	)	)	PUNCT
fsr-4224	344	32	.	.	PUNCT
fsr-4224	345	1	consequently	consequently	ADV
fsr-4224	345	2	,	,	PUNCT
fsr-4224	345	3	the	the	DET
fsr-4224	345	4	two	two	NUM
fsr-4224	345	5	methodologies	methodology	NOUN
fsr-4224	345	6	complement	complement	VERB
fsr-4224	345	7	each	each	DET
fsr-4224	345	8	other	other	ADJ
fsr-4224	345	9	.	.	PUNCT
fsr-4224	346	1	through	through	ADP
fsr-4224	346	2	fsqca	fsqca	PROPN
fsr-4224	346	3	,	,	PUNCT
fsr-4224	346	4	two	two	NUM
fsr-4224	346	5	sufficient	sufficient	ADJ
fsr-4224	346	6	configurations	configuration	NOUN
fsr-4224	346	7	leading	lead	VERB
fsr-4224	346	8	to	to	ADP
fsr-4224	346	9	positive	positive	ADJ
fsr-4224	346	10	/desirable	/desirable	NOUN
fsr-4224	346	11	fmb	fmb	NOUN
fsr-4224	346	12	and	and	CCONJ
fsr-4224	346	13	two	two	NUM
fsr-4224	346	14	leading	lead	VERB
fsr-4224	346	15	to	to	ADP
fsr-4224	346	16	undesirable	undesirable	ADJ
fsr-4224	346	17	/	/	SYM
fsr-4224	346	18	negative	negative	ADJ
fsr-4224	346	19	fmb	fmb	NOUN
fsr-4224	346	20	were	be	AUX
fsr-4224	346	21	identified	identify	VERB
fsr-4224	346	22	(	(	PUNCT
fsr-4224	346	23	table	table	NOUN
fsr-4224	346	24	8)	8)	NUM
fsr-4224	346	25	.	.	PUNCT
fsr-4224	347	1	these	these	DET
fsr-4224	347	2	findings	finding	NOUN
fsr-4224	347	3	expand	expand	VERB
fsr-4224	347	4	upon	upon	SCONJ
fsr-4224	347	5	the	the	DET
fsr-4224	347	6	pls	pls	PROPN
fsr-4224	347	7	-	-	PUNCT
fsr-4224	347	8	sem	sem	NOUN
fsr-4224	347	9	results	result	NOUN
fsr-4224	347	10	,	,	PUNCT
fsr-4224	347	11	reinforcing	reinforce	VERB
fsr-4224	347	12	the	the	DET
fsr-4224	347	13	notion	notion	NOUN
fsr-4224	347	14	that	that	SCONJ
fsr-4224	347	15	fmb	fmb	PROPN
fsr-4224	347	16	is	be	AUX
fsr-4224	347	17	a	a	DET
fsr-4224	347	18	complex	complex	ADJ
fsr-4224	347	19	and	and	CCONJ
fsr-4224	347	20	multifactorial	multifactorial	ADJ
fsr-4224	347	21	phenomenon	phenomenon	NOUN
fsr-4224	347	22	,	,	PUNCT
fsr-4224	347	23	necessitating	necessitate	VERB
fsr-4224	347	24	both	both	CCONJ
fsr-4224	347	25	symmetric	symmetric	ADJ
fsr-4224	347	26	and	and	CCONJ
fsr-4224	347	27	asymmetric	asymmetric	ADJ
fsr-4224	347	28	analysis	analysis	NOUN
fsr-4224	347	29	for	for	ADP
fsr-4224	347	30	a	a	DET
fsr-4224	347	31	comprehensive	comprehensive	ADJ
fsr-4224	347	32	understanding	understanding	NOUN
fsr-4224	347	33	.	.	PUNCT
fsr-4224	348	1	the	the	DET
fsr-4224	348	2	fsqca	fsqca	PROPN
fsr-4224	348	3	results	result	NOUN
fsr-4224	348	4	underscore	underscore	VERB
fsr-4224	348	5	that	that	DET
fsr-4224	348	6	financial	financial	ADJ
fsr-4224	348	7	attitude	attitude	NOUN
fsr-4224	348	8	,	,	PUNCT
fsr-4224	348	9	subjective	subjective	ADJ
fsr-4224	348	10	financial	financial	ADJ
fsr-4224	348	11	knowledge	knowledge	NOUN
fsr-4224	348	12	,	,	PUNCT
fsr-4224	348	13	and	and	CCONJ
fsr-4224	348	14	financial	financial	ADJ
fsr-4224	348	15	self	self	NOUN
fsr-4224	348	16	-	-	PUNCT
fsr-4224	348	17	efficacy	efficacy	NOUN
fsr-4224	348	18	are	be	AUX
fsr-4224	348	19	core	core	ADJ
fsr-4224	348	20	antecedents	antecedent	NOUN
fsr-4224	348	21	of	of	ADP
fsr-4224	348	22	high	high	ADJ
fsr-4224	348	23	fmb	fmb	NOUN
fsr-4224	348	24	,	,	PUNCT
fsr-4224	348	25	whereas	whereas	SCONJ
fsr-4224	348	26	low	low	ADJ
fsr-4224	348	27	financial	financial	ADJ
fsr-4224	348	28	attitude	attitude	NOUN
fsr-4224	348	29	is	be	AUX
fsr-4224	348	30	a	a	DET
fsr-4224	348	31	pivotal	pivotal	ADJ
fsr-4224	348	32	driver	driver	NOUN
fsr-4224	348	33	of	of	ADP
fsr-4224	348	34	undesirable	undesirable	ADJ
fsr-4224	348	35	financial	financial	ADJ
fsr-4224	348	36	outcomes	outcome	NOUN
fsr-4224	348	37	.	.	PUNCT
fsr-4224	349	1	these	these	DET
fsr-4224	349	2	insights	insight	NOUN
fsr-4224	349	3	also	also	ADV
fsr-4224	349	4	reflect	reflect	VERB
fsr-4224	349	5	the	the	DET
fsr-4224	349	6	broader	broad	ADJ
fsr-4224	349	7	social	social	ADJ
fsr-4224	349	8	and	and	CCONJ
fsr-4224	349	9	ahamed	ahamed	PROPN
fsr-4224	349	10	et	et	PROPN
fsr-4224	349	11	al	al	PROPN
fsr-4224	349	12	.	.	PROPN
fsr-4224	349	13	181	181	NUM
fsr-4224	349	14	cultural	cultural	ADJ
fsr-4224	349	15	characteristics	characteristic	NOUN
fsr-4224	349	16	of	of	ADP
fsr-4224	349	17	polish	polish	ADJ
fsr-4224	349	18	youth	youth	NOUN
fsr-4224	349	19	and	and	CCONJ
fsr-4224	349	20	,	,	PUNCT
fsr-4224	349	21	more	more	ADV
fsr-4224	349	22	broadly	broadly	ADV
fsr-4224	349	23	,	,	PUNCT
fsr-4224	349	24	eastern	eastern	ADJ
fsr-4224	349	25	european	european	ADJ
fsr-4224	349	26	populations	population	NOUN
fsr-4224	349	27	.	.	PUNCT
fsr-4224	350	1	research	research	NOUN
fsr-4224	350	2	implications	implication	NOUN
fsr-4224	350	3	theoretical	theoretical	ADJ
fsr-4224	350	4	implications	implication	NOUN
fsr-4224	350	5	the	the	DET
fsr-4224	350	6	findings	finding	NOUN
fsr-4224	350	7	highlight	highlight	VERB
fsr-4224	350	8	the	the	DET
fsr-4224	350	9	need	need	NOUN
fsr-4224	350	10	to	to	PART
fsr-4224	350	11	further	far	ADV
fsr-4224	350	12	refine	refine	VERB
fsr-4224	350	13	theoretical	theoretical	ADJ
fsr-4224	350	14	models	model	NOUN
fsr-4224	350	15	in	in	ADP
fsr-4224	350	16	the	the	DET
fsr-4224	350	17	domina	domina	NOUN
fsr-4224	350	18	that	that	PRON
fsr-4224	350	19	integrate	integrate	VERB
fsr-4224	350	20	the	the	DET
fsr-4224	350	21	interplay	interplay	NOUN
fsr-4224	350	22	between	between	ADP
fsr-4224	350	23	financial	financial	ADJ
fsr-4224	350	24	attitudes	attitude	NOUN
fsr-4224	350	25	,	,	PUNCT
fsr-4224	350	26	social	social	ADJ
fsr-4224	350	27	norms	norm	NOUN
fsr-4224	350	28	(	(	PUNCT
fsr-4224	350	29	family	family	NOUN
fsr-4224	350	30	socialization	socialization	NOUN
fsr-4224	350	31	and	and	CCONJ
fsr-4224	350	32	peer	peer	NOUN
fsr-4224	350	33	influence	influence	NOUN
fsr-4224	350	34	)	)	PUNCT
fsr-4224	350	35	,	,	PUNCT
fsr-4224	350	36	and	and	CCONJ
fsr-4224	350	37	perceived	perceive	VERB
fsr-4224	350	38	behavioral	behavioral	ADJ
fsr-4224	350	39	control	control	NOUN
fsr-4224	350	40	(	(	PUNCT
fsr-4224	350	41	self	self	NOUN
fsr-4224	350	42	-	-	PUNCT
fsr-4224	350	43	efficacy	efficacy	NOUN
fsr-4224	350	44	and	and	CCONJ
fsr-4224	350	45	subjective	subjective	ADJ
fsr-4224	350	46	financial	financial	ADJ
fsr-4224	350	47	knowledge	knowledge	NOUN
fsr-4224	350	48	)	)	PUNCT
fsr-4224	350	49	.	.	PUNCT
fsr-4224	351	1	the	the	DET
fsr-4224	351	2	findings	finding	NOUN
fsr-4224	351	3	of	of	ADP
fsr-4224	351	4	those	those	DET
fsr-4224	351	5	models	model	NOUN
fsr-4224	351	6	should	should	AUX
fsr-4224	351	7	be	be	AUX
fsr-4224	351	8	understood	understand	VERB
fsr-4224	351	9	within	within	ADP
fsr-4224	351	10	the	the	DET
fsr-4224	351	11	specific	specific	ADJ
fsr-4224	351	12	cultural	cultural	ADJ
fsr-4224	351	13	and	and	CCONJ
fsr-4224	351	14	social	social	ADJ
fsr-4224	351	15	contexts	contexts	NOUN
fsr-4224	351	16	.	.	PUNCT
fsr-4224	352	1	this	this	DET
fsr-4224	352	2	approach	approach	NOUN
fsr-4224	352	3	can	can	AUX
fsr-4224	352	4	provide	provide	VERB
fsr-4224	352	5	a	a	DET
fsr-4224	352	6	more	more	ADV
fsr-4224	352	7	nuanced	nuanced	ADJ
fsr-4224	352	8	understanding	understanding	NOUN
fsr-4224	352	9	of	of	ADP
fsr-4224	352	10	how	how	SCONJ
fsr-4224	352	11	internal	internal	ADJ
fsr-4224	352	12	and	and	CCONJ
fsr-4224	352	13	external	external	ADJ
fsr-4224	352	14	factors	factor	NOUN
fsr-4224	352	15	combine	combine	VERB
fsr-4224	352	16	to	to	PART
fsr-4224	352	17	shape	shape	VERB
fsr-4224	352	18	financial	financial	ADJ
fsr-4224	352	19	behaviors	behavior	NOUN
fsr-4224	352	20	.	.	PUNCT
fsr-4224	353	1	in	in	ADP
fsr-4224	353	2	particular	particular	ADJ
fsr-4224	353	3	,	,	PUNCT
fsr-4224	353	4	the	the	DET
fsr-4224	353	5	role	role	NOUN
fsr-4224	353	6	of	of	ADP
fsr-4224	353	7	social	social	ADJ
fsr-4224	353	8	influences	influence	NOUN
fsr-4224	353	9	,	,	PUNCT
fsr-4224	353	10	such	such	ADJ
fsr-4224	353	11	as	as	ADP
fsr-4224	353	12	family	family	NOUN
fsr-4224	353	13	and	and	CCONJ
fsr-4224	353	14	peers	peer	NOUN
fsr-4224	353	15	,	,	PUNCT
fsr-4224	353	16	warrants	warrant	NOUN
fsr-4224	353	17	further	far	ADV
fsr-4224	353	18	academic	academic	ADJ
fsr-4224	353	19	exploration	exploration	NOUN
fsr-4224	353	20	.	.	PUNCT
fsr-4224	354	1	although	although	SCONJ
fsr-4224	354	2	the	the	DET
fsr-4224	354	3	pls	pls	NOUN
fsr-4224	354	4	-	-	PUNCT
fsr-4224	354	5	sem	sem	NOUN
fsr-4224	354	6	analysis	analysis	NOUN
fsr-4224	354	7	did	do	AUX
fsr-4224	354	8	not	not	PART
fsr-4224	354	9	find	find	VERB
fsr-4224	354	10	a	a	DET
fsr-4224	354	11	significant	significant	ADJ
fsr-4224	354	12	positive	positive	ADJ
fsr-4224	354	13	effect	effect	NOUN
fsr-4224	354	14	of	of	ADP
fsr-4224	354	15	these	these	DET
fsr-4224	354	16	factors	factor	NOUN
fsr-4224	354	17	on	on	ADP
fsr-4224	354	18	the	the	DET
fsr-4224	354	19	desired	desire	VERB
fsr-4224	354	20	financial	financial	ADJ
fsr-4224	354	21	behaviors	behavior	NOUN
fsr-4224	354	22	of	of	ADP
fsr-4224	354	23	young	young	ADJ
fsr-4224	354	24	adults	adult	NOUN
fsr-4224	354	25	,	,	PUNCT
fsr-4224	354	26	the	the	DET
fsr-4224	354	27	fsqca	fsqca	NOUN
fsr-4224	354	28	results	result	NOUN
fsr-4224	354	29	revealed	reveal	VERB
fsr-4224	354	30	that	that	SCONJ
fsr-4224	354	31	family	family	NOUN
fsr-4224	354	32	financial	financial	ADJ
fsr-4224	354	33	socialization	socialization	NOUN
fsr-4224	354	34	contributes	contribute	VERB
fsr-4224	354	35	to	to	ADP
fsr-4224	354	36	positive	positive	ADJ
fsr-4224	354	37	fmb	fmb	NOUN
fsr-4224	354	38	(	(	PUNCT
fsr-4224	354	39	proposition	proposition	NOUN
fsr-4224	354	40	1b	1b	NUM
fsr-4224	354	41	)	)	PUNCT
fsr-4224	354	42	.	.	PUNCT
fsr-4224	355	1	conversely	conversely	ADV
fsr-4224	355	2	,	,	PUNCT
fsr-4224	355	3	the	the	DET
fsr-4224	355	4	absence	absence	NOUN
fsr-4224	355	5	of	of	ADP
fsr-4224	355	6	family	family	NOUN
fsr-4224	355	7	financial	financial	ADJ
fsr-4224	355	8	socialization	socialization	NOUN
fsr-4224	355	9	is	be	AUX
fsr-4224	355	10	linked	link	VERB
fsr-4224	355	11	to	to	ADP
fsr-4224	355	12	undesirable	undesirable	ADJ
fsr-4224	355	13	fmb	fmb	NOUN
fsr-4224	355	14	.	.	PUNCT
fsr-4224	356	1	these	these	DET
fsr-4224	356	2	findings	finding	NOUN
fsr-4224	356	3	add	add	VERB
fsr-4224	356	4	a	a	DET
fsr-4224	356	5	new	new	ADJ
fsr-4224	356	6	dimension	dimension	NOUN
fsr-4224	356	7	to	to	ADP
fsr-4224	356	8	the	the	DET
fsr-4224	356	9	literature	literature	NOUN
fsr-4224	356	10	on	on	ADP
fsr-4224	356	11	fmb	fmb	PROPN
fsr-4224	356	12	and	and	CCONJ
fsr-4224	356	13	offer	offer	VERB
fsr-4224	356	14	valuable	valuable	ADJ
fsr-4224	356	15	insights	insight	NOUN
fsr-4224	356	16	for	for	ADP
fsr-4224	356	17	future	future	ADJ
fsr-4224	356	18	research	research	NOUN
fsr-4224	356	19	.	.	PUNCT
fsr-4224	357	1	this	this	DET
fsr-4224	357	2	study	study	NOUN
fsr-4224	357	3	is	be	AUX
fsr-4224	357	4	among	among	ADP
fsr-4224	357	5	the	the	DET
fsr-4224	357	6	few	few	ADJ
fsr-4224	357	7	that	that	PRON
fsr-4224	357	8	explore	explore	VERB
fsr-4224	357	9	the	the	DET
fsr-4224	357	10	antecedents	antecedent	NOUN
fsr-4224	357	11	of	of	ADP
fsr-4224	357	12	fmb	fmb	PROPN
fsr-4224	357	13	in	in	ADP
fsr-4224	357	14	young	young	ADJ
fsr-4224	357	15	adults	adult	NOUN
fsr-4224	357	16	using	use	VERB
fsr-4224	357	17	a	a	DET
fsr-4224	357	18	hybrid	hybrid	ADJ
fsr-4224	357	19	approach	approach	NOUN
fsr-4224	357	20	,	,	PUNCT
fsr-4224	357	21	combining	combine	VERB
fsr-4224	357	22	both	both	CCONJ
fsr-4224	357	23	symmetric	symmetric	ADJ
fsr-4224	357	24	and	and	CCONJ
fsr-4224	357	25	asymmetric	asymmetric	ADJ
fsr-4224	357	26	analytical	analytical	ADJ
fsr-4224	357	27	techniques	technique	NOUN
fsr-4224	357	28	.	.	PUNCT
fsr-4224	358	1	this	this	DET
fsr-4224	358	2	approach	approach	NOUN
fsr-4224	358	3	provides	provide	VERB
fsr-4224	358	4	future	future	ADJ
fsr-4224	358	5	researchers	researcher	NOUN
fsr-4224	358	6	with	with	ADP
fsr-4224	358	7	the	the	DET
fsr-4224	358	8	opportunity	opportunity	NOUN
fsr-4224	358	9	to	to	PART
fsr-4224	358	10	analyze	analyze	VERB
fsr-4224	358	11	the	the	DET
fsr-4224	358	12	complex	complex	ADJ
fsr-4224	358	13	phenomenon	phenomenon	NOUN
fsr-4224	358	14	of	of	ADP
fsr-4224	358	15	personal	personal	ADJ
fsr-4224	358	16	fmb	fmb	NOUN
fsr-4224	358	17	not	not	PART
fsr-4224	358	18	only	only	ADV
fsr-4224	358	19	through	through	ADP
fsr-4224	358	20	regression	regression	NOUN
fsr-4224	358	21	-	-	PUNCT
fsr-4224	358	22	based	base	VERB
fsr-4224	358	23	symmetric	symmetric	ADJ
fsr-4224	358	24	methods	method	NOUN
fsr-4224	358	25	but	but	CCONJ
fsr-4224	358	26	also	also	ADV
fsr-4224	358	27	by	by	ADP
fsr-4224	358	28	using	use	VERB
fsr-4224	358	29	asymmetric	asymmetric	ADJ
fsr-4224	358	30	methods	method	NOUN
fsr-4224	358	31	to	to	PART
fsr-4224	358	32	further	far	ADV
fsr-4224	358	33	explain	explain	VERB
fsr-4224	358	34	critical	critical	ADJ
fsr-4224	358	35	findings	finding	NOUN
fsr-4224	358	36	and	and	CCONJ
fsr-4224	358	37	identify	identify	VERB
fsr-4224	358	38	causal	causal	ADJ
fsr-4224	358	39	combination	combination	NOUN
fsr-4224	358	40	patterns	pattern	NOUN
fsr-4224	358	41	.	.	PUNCT
fsr-4224	359	1	managerial	managerial	ADJ
fsr-4224	359	2	implications	implication	NOUN
fsr-4224	359	3	from	from	ADP
fsr-4224	359	4	a	a	DET
fsr-4224	359	5	managerial	managerial	ADJ
fsr-4224	359	6	perspective	perspective	NOUN
fsr-4224	359	7	,	,	PUNCT
fsr-4224	359	8	the	the	DET
fsr-4224	359	9	findings	finding	NOUN
fsr-4224	359	10	highlight	highlight	VERB
fsr-4224	359	11	the	the	DET
fsr-4224	359	12	importance	importance	NOUN
fsr-4224	359	13	of	of	ADP
fsr-4224	359	14	designing	design	VERB
fsr-4224	359	15	comprehensive	comprehensive	ADJ
fsr-4224	359	16	financial	financial	ADJ
fsr-4224	359	17	education	education	NOUN
fsr-4224	359	18	programs	program	NOUN
fsr-4224	359	19	that	that	PRON
fsr-4224	359	20	address	address	VERB
fsr-4224	359	21	not	not	PART
fsr-4224	359	22	only	only	ADV
fsr-4224	359	23	financial	financial	ADJ
fsr-4224	359	24	knowledge	knowledge	NOUN
fsr-4224	359	25	but	but	CCONJ
fsr-4224	359	26	also	also	ADV
fsr-4224	359	27	attitudes	attitude	NOUN
fsr-4224	359	28	and	and	CCONJ
fsr-4224	359	29	family	family	NOUN
fsr-4224	359	30	influences	influence	NOUN
fsr-4224	359	31	(	(	PUNCT
fsr-4224	359	32	lebaron	lebaron	NOUN
fsr-4224	359	33	and	and	CCONJ
fsr-4224	359	34	kelley	kelley	NOUN
fsr-4224	359	35	,	,	PUNCT
fsr-4224	359	36	2021	2021	NUM
fsr-4224	359	37	;	;	PUNCT
fsr-4224	359	38	lim	lim	PROPN
fsr-4224	359	39	et	et	PROPN
fsr-4224	359	40	al	al	PROPN
fsr-4224	359	41	.	.	PROPN
fsr-4224	359	42	,	,	PUNCT
fsr-4224	359	43	2018	2018	NUM
fsr-4224	359	44	;	;	PUNCT
fsr-4224	359	45	lind	lind	PROPN
fsr-4224	359	46	et	et	PROPN
fsr-4224	359	47	al	al	PROPN
fsr-4224	359	48	.	.	PROPN
fsr-4224	359	49	,	,	PUNCT
fsr-4224	359	50	2020	2020	NUM
fsr-4224	359	51	;	;	PUNCT
fsr-4224	359	52	talwar	talwar	PROPN
fsr-4224	359	53	et	et	PROPN
fsr-4224	359	54	al	al	PROPN
fsr-4224	359	55	.	.	PROPN
fsr-4224	359	56	,	,	PUNCT
fsr-4224	359	57	2021	2021	NUM
fsr-4224	359	58	)	)	PUNCT
fsr-4224	359	59	.	.	PUNCT
fsr-4224	360	1	financial	financial	ADJ
fsr-4224	360	2	institutions	institution	NOUN
fsr-4224	360	3	,	,	PUNCT
fsr-4224	360	4	educators	educator	NOUN
fsr-4224	360	5	,	,	PUNCT
fsr-4224	360	6	and	and	CCONJ
fsr-4224	360	7	policymakers	policymaker	NOUN
fsr-4224	360	8	in	in	ADP
fsr-4224	360	9	poland	poland	PROPN
fsr-4224	360	10	should	should	AUX
fsr-4224	360	11	develop	develop	VERB
fsr-4224	360	12	targeted	targeted	ADJ
fsr-4224	360	13	interventions	intervention	NOUN
fsr-4224	360	14	that	that	PRON
fsr-4224	360	15	focus	focus	VERB
fsr-4224	360	16	on	on	ADP
fsr-4224	360	17	improving	improve	VERB
fsr-4224	360	18	financial	financial	ADJ
fsr-4224	360	19	attitudes	attitude	NOUN
fsr-4224	360	20	and	and	CCONJ
fsr-4224	360	21	enhancing	enhance	VERB
fsr-4224	360	22	family	family	NOUN
fsr-4224	360	23	financial	financial	ADJ
fsr-4224	360	24	socialization	socialization	NOUN
fsr-4224	360	25	,	,	PUNCT
fsr-4224	360	26	alongside	alongside	ADP
fsr-4224	360	27	traditional	traditional	ADJ
fsr-4224	360	28	financial	financial	ADJ
fsr-4224	360	29	literacy	literacy	NOUN
fsr-4224	360	30	components	component	NOUN
fsr-4224	360	31	.	.	PUNCT
fsr-4224	361	1	programs	program	NOUN
fsr-4224	361	2	could	could	AUX
fsr-4224	361	3	include	include	VERB
fsr-4224	361	4	workshops	workshop	NOUN
fsr-4224	361	5	and	and	CCONJ
fsr-4224	361	6	resources	resource	NOUN
fsr-4224	361	7	aimed	aim	VERB
fsr-4224	361	8	at	at	ADP
fsr-4224	361	9	altering	alter	VERB
fsr-4224	361	10	negative	negative	ADJ
fsr-4224	361	11	financial	financial	ADJ
fsr-4224	361	12	attitudes	attitude	NOUN
fsr-4224	361	13	and	and	CCONJ
fsr-4224	361	14	fostering	foster	VERB
fsr-4224	361	15	positive	positive	ADJ
fsr-4224	361	16	financial	financial	ADJ
fsr-4224	361	17	behaviors	behavior	NOUN
fsr-4224	361	18	within	within	ADP
fsr-4224	361	19	families	family	NOUN
fsr-4224	361	20	.	.	PUNCT
fsr-4224	362	1	additionally	additionally	ADV
fsr-4224	362	2	,	,	PUNCT
fsr-4224	362	3	given	give	VERB
fsr-4224	362	4	the	the	DET
fsr-4224	362	5	influence	influence	NOUN
fsr-4224	362	6	of	of	ADP
fsr-4224	362	7	peer	peer	NOUN
fsr-4224	362	8	groups	group	NOUN
fsr-4224	362	9	,	,	PUNCT
fsr-4224	362	10	creating	create	VERB
fsr-4224	362	11	peer	peer	NOUN
fsr-4224	362	12	-	-	PUNCT
fsr-4224	362	13	led	lead	VERB
fsr-4224	362	14	financial	financial	ADJ
fsr-4224	362	15	education	education	NOUN
fsr-4224	362	16	initiatives	initiative	NOUN
fsr-4224	362	17	could	could	AUX
fsr-4224	362	18	leverage	leverage	VERB
fsr-4224	362	19	social	social	ADJ
fsr-4224	362	20	networks	network	NOUN
fsr-4224	362	21	to	to	PART
fsr-4224	362	22	reinforce	reinforce	VERB
fsr-4224	362	23	positive	positive	ADJ
fsr-4224	362	24	financial	financial	ADJ
fsr-4224	362	25	practices	practice	NOUN
fsr-4224	362	26	.	.	PUNCT
fsr-4224	363	1	understanding	understand	VERB
fsr-4224	363	2	that	that	DET
fsr-4224	363	3	high	high	ADJ
fsr-4224	363	4	self	self	NOUN
fsr-4224	363	5	-	-	PUNCT
fsr-4224	363	6	efficacy	efficacy	NOUN
fsr-4224	363	7	alone	alone	ADV
fsr-4224	363	8	is	be	AUX
fsr-4224	363	9	insufficient	insufficient	ADJ
fsr-4224	363	10	without	without	ADP
fsr-4224	363	11	a	a	DET
fsr-4224	363	12	supportive	supportive	ADJ
fsr-4224	363	13	attitude	attitude	NOUN
fsr-4224	363	14	and	and	CCONJ
fsr-4224	363	15	family	family	NOUN
fsr-4224	363	16	background	background	NOUN
fsr-4224	363	17	emphasizes	emphasize	VERB
fsr-4224	363	18	the	the	DET
fsr-4224	363	19	need	need	NOUN
fsr-4224	363	20	for	for	ADP
fsr-4224	363	21	a	a	DET
fsr-4224	363	22	holistic	holistic	ADJ
fsr-4224	363	23	approach	approach	NOUN
fsr-4224	363	24	to	to	ADP
fsr-4224	363	25	financial	financial	ADJ
fsr-4224	363	26	education	education	NOUN
fsr-4224	363	27	that	that	PRON
fsr-4224	363	28	addresses	address	VERB
fsr-4224	363	29	all	all	DET
fsr-4224	363	30	these	these	DET
fsr-4224	363	31	factors	factor	NOUN
fsr-4224	363	32	.	.	PUNCT
fsr-4224	364	1	these	these	DET
fsr-4224	364	2	insights	insight	NOUN
fsr-4224	364	3	can	can	AUX
fsr-4224	364	4	help	help	VERB
fsr-4224	364	5	in	in	ADP
fsr-4224	364	6	crafting	craft	VERB
fsr-4224	364	7	more	more	ADV
fsr-4224	364	8	effective	effective	ADJ
fsr-4224	364	9	policies	policy	NOUN
fsr-4224	364	10	and	and	CCONJ
fsr-4224	364	11	programs	program	NOUN
fsr-4224	364	12	that	that	PRON
fsr-4224	364	13	promote	promote	VERB
fsr-4224	364	14	long	long	ADJ
fsr-4224	364	15	-	-	PUNCT
fsr-4224	364	16	term	term	NOUN
fsr-4224	364	17	financial	financial	ADJ
fsr-4224	364	18	well	well	NOUN
fsr-4224	364	19	-	-	PUNCT
fsr-4224	364	20	being	being	NOUN
fsr-4224	364	21	among	among	ADP
fsr-4224	364	22	young	young	ADJ
fsr-4224	364	23	adults	adult	NOUN
fsr-4224	364	24	.	.	PUNCT
fsr-4224	365	1	conclusion	conclusion	NOUN
fsr-4224	365	2	,	,	PUNCT
fsr-4224	365	3	limitations	limitation	NOUN
fsr-4224	365	4	,	,	PUNCT
fsr-4224	365	5	and	and	CCONJ
fsr-4224	365	6	future	future	ADJ
fsr-4224	365	7	research	research	NOUN
fsr-4224	365	8	the	the	DET
fsr-4224	365	9	study	study	NOUN
fsr-4224	365	10	utilizes	utilize	VERB
fsr-4224	365	11	pls	pls	ADJ
fsr-4224	365	12	-	-	PUNCT
fsr-4224	365	13	sem	sem	NOUN
fsr-4224	365	14	and	and	CCONJ
fsr-4224	365	15	fsqca	fsqca	NOUN
fsr-4224	365	16	as	as	ADP
fsr-4224	365	17	complementary	complementary	ADJ
fsr-4224	365	18	data	datum	NOUN
fsr-4224	365	19	analysis	analysis	NOUN
fsr-4224	365	20	approaches	approach	NOUN
fsr-4224	365	21	,	,	PUNCT
fsr-4224	365	22	providing	provide	VERB
fsr-4224	365	23	greater	great	ADJ
fsr-4224	365	24	accuracy	accuracy	NOUN
fsr-4224	365	25	in	in	ADP
fsr-4224	365	26	the	the	DET
fsr-4224	365	27	findings	finding	NOUN
fsr-4224	365	28	compared	compare	VERB
fsr-4224	365	29	to	to	ADP
fsr-4224	365	30	previous	previous	ADJ
fsr-4224	365	31	research	research	NOUN
fsr-4224	365	32	(	(	PUNCT
fsr-4224	365	33	chanda	chanda	PROPN
fsr-4224	365	34	et	et	PROPN
fsr-4224	365	35	al	al	PROPN
fsr-4224	365	36	.	.	PROPN
fsr-4224	365	37	,	,	PUNCT
fsr-4224	365	38	2023	2023	NUM
fsr-4224	365	39	)	)	PUNCT
fsr-4224	365	40	.	.	PUNCT
fsr-4224	366	1	this	this	DET
fsr-4224	366	2	research	research	NOUN
fsr-4224	366	3	revealed	reveal	VERB
fsr-4224	366	4	distinct	distinct	ADJ
fsr-4224	366	5	patterns	pattern	NOUN
fsr-4224	366	6	in	in	ADP
fsr-4224	366	7	financial	financial	ADJ
fsr-4224	366	8	behavior	behavior	NOUN
fsr-4224	366	9	based	base	VERB
fsr-4224	366	10	on	on	ADP
fsr-4224	366	11	the	the	DET
fsr-4224	366	12	interplay	interplay	NOUN
fsr-4224	366	13	of	of	ADP
fsr-4224	366	14	various	various	ADJ
fsr-4224	366	15	factors	factor	NOUN
fsr-4224	366	16	.	.	PUNCT
fsr-4224	367	1	the	the	DET
fsr-4224	367	2	analysis	analysis	NOUN
fsr-4224	367	3	in	in	ADP
fsr-4224	367	4	this	this	DET
fsr-4224	367	5	research	research	NOUN
fsr-4224	367	6	found	find	VERB
fsr-4224	367	7	that	that	SCONJ
fsr-4224	367	8	financial	financial	ADJ
fsr-4224	367	9	attitude	attitude	NOUN
fsr-4224	367	10	and	and	CCONJ
fsr-4224	367	11	perceived	perceive	VERB
fsr-4224	367	12	behavioral	behavioral	ADJ
fsr-4224	367	13	control	control	NOUN
fsr-4224	367	14	(	(	PUNCT
fsr-4224	367	15	subjective	subjective	ADJ
fsr-4224	367	16	financial	financial	ADJ
fsr-4224	367	17	knowledge	knowledge	NOUN
fsr-4224	367	18	and	and	CCONJ
fsr-4224	367	19	financial	financial	ADJ
fsr-4224	367	20	self	self	NOUN
fsr-4224	367	21	-	-	PUNCT
fsr-4224	367	22	efficacy	efficacy	NOUN
fsr-4224	367	23	)	)	PUNCT
fsr-4224	367	24	are	be	AUX
fsr-4224	367	25	positively	positively	ADV
fsr-4224	367	26	and	and	CCONJ
fsr-4224	367	27	significantly	significantly	ADV
fsr-4224	367	28	linked	link	VERB
fsr-4224	367	29	with	with	ADP
fsr-4224	367	30	positive	positive	ADJ
fsr-4224	367	31	fmb	fmb	NOUN
fsr-4224	367	32	.	.	PUNCT
fsr-4224	368	1	however	however	ADV
fsr-4224	368	2	,	,	PUNCT
fsr-4224	368	3	our	our	PRON
fsr-4224	368	4	findings	finding	NOUN
fsr-4224	368	5	related	relate	VERB
fsr-4224	368	6	to	to	ADP
fsr-4224	368	7	social	social	ADJ
fsr-4224	368	8	norms	norm	NOUN
fsr-4224	368	9	(	(	PUNCT
fsr-4224	368	10	i.e.	i.e.	X
fsr-4224	368	11	,	,	PUNCT
fsr-4224	368	12	family	family	NOUN
fsr-4224	368	13	financial	financial	ADJ
fsr-4224	368	14	socialization	socialization	NOUN
fsr-4224	368	15	and	and	CCONJ
fsr-4224	368	16	peer	peer	NOUN
fsr-4224	368	17	influence	influence	NOUN
fsr-4224	368	18	)	)	PUNCT
fsr-4224	368	19	contradict	contradict	VERB
fsr-4224	368	20	some	some	DET
fsr-4224	368	21	previous	previous	ADJ
fsr-4224	368	22	research	research	NOUN
fsr-4224	368	23	in	in	ADP
fsr-4224	368	24	the	the	DET
fsr-4224	368	25	domain	domain	NOUN
fsr-4224	368	26	.	.	PUNCT
fsr-4224	369	1	this	this	PRON
fsr-4224	369	2	allowed	allow	VERB
fsr-4224	369	3	to	to	PART
fsr-4224	369	4	identify	identify	VERB
fsr-4224	369	5	two	two	NUM
fsr-4224	369	6	key	key	ADJ
fsr-4224	369	7	combinations	combination	NOUN
fsr-4224	369	8	for	for	ADP
fsr-4224	369	9	high	high	ADJ
fsr-4224	369	10	(	(	PUNCT
fsr-4224	369	11	positive	positive	ADJ
fsr-4224	369	12	)	)	PUNCT
fsr-4224	369	13	financial	financial	ADJ
fsr-4224	369	14	behavior	behavior	NOUN
fsr-4224	369	15	.	.	PUNCT
fsr-4224	370	1	the	the	DET
fsr-4224	370	2	findings	finding	NOUN
fsr-4224	370	3	indicate	indicate	VERB
fsr-4224	370	4	that	that	SCONJ
fsr-4224	370	5	a	a	DET
fsr-4224	370	6	high	high	ADJ
fsr-4224	370	7	financial	financial	ADJ
fsr-4224	370	8	attitude	attitude	NOUN
fsr-4224	370	9	,	,	PUNCT
fsr-4224	370	10	when	when	SCONJ
fsr-4224	370	11	combined	combine	VERB
fsr-4224	370	12	with	with	ADP
fsr-4224	370	13	high	high	ADJ
fsr-4224	370	14	self	self	NOUN
fsr-4224	370	15	-	-	PUNCT
fsr-4224	370	16	perceived	perceive	VERB
fsr-4224	370	17	financial	financial	ADJ
fsr-4224	370	18	knowledge	knowledge	NOUN
fsr-4224	370	19	,	,	PUNCT
fsr-4224	370	20	can	can	AUX
fsr-4224	370	21	lead	lead	VERB
fsr-4224	370	22	to	to	ADP
fsr-4224	370	23	desirable	desirable	ADJ
fsr-4224	370	24	financial	financial	ADJ
fsr-4224	370	25	behavior	behavior	NOUN
fsr-4224	370	26	,	,	PUNCT
fsr-4224	370	27	even	even	ADV
fsr-4224	370	28	if	if	SCONJ
fsr-4224	370	29	peer	peer	NOUN
fsr-4224	370	30	influence	influence	NOUN
fsr-4224	370	31	and	and	CCONJ
fsr-4224	370	32	financial	financial	ADJ
fsr-4224	370	33	self	self	NOUN
fsr-4224	370	34	-	-	PUNCT
fsr-4224	370	35	efficacy	efficacy	NOUN
fsr-4224	370	36	are	be	AUX
fsr-4224	370	37	low	low	ADJ
fsr-4224	370	38	.	.	PUNCT
fsr-4224	371	1	this	this	PRON
fsr-4224	371	2	suggests	suggest	VERB
fsr-4224	371	3	that	that	SCONJ
fsr-4224	371	4	personal	personal	ADJ
fsr-4224	371	5	belief	belief	NOUN
fsr-4224	371	6	in	in	ADP
fsr-4224	371	7	the	the	DET
fsr-4224	371	8	importance	importance	NOUN
fsr-4224	371	9	of	of	ADP
fsr-4224	371	10	financial	financial	ADJ
fsr-4224	371	11	management	management	NOUN
fsr-4224	371	12	and	and	CCONJ
fsr-4224	371	13	confidence	confidence	NOUN
fsr-4224	371	14	in	in	ADP
fsr-4224	371	15	one	one	NUM
fsr-4224	371	16	's	's	PART
fsr-4224	371	17	financial	financial	ADJ
fsr-4224	371	18	knowledge	knowledge	NOUN
fsr-4224	371	19	are	be	AUX
fsr-4224	371	20	crucial	crucial	ADJ
fsr-4224	371	21	drivers	driver	NOUN
fsr-4224	371	22	of	of	ADP
fsr-4224	371	23	responsible	responsible	ADJ
fsr-4224	371	24	financial	financial	ADJ
fsr-4224	371	25	behavior	behavior	NOUN
fsr-4224	371	26	.	.	PUNCT
fsr-4224	372	1	the	the	DET
fsr-4224	372	2	research	research	NOUN
fsr-4224	372	3	also	also	ADV
fsr-4224	372	4	shows	show	VERB
fsr-4224	372	5	that	that	SCONJ
fsr-4224	372	6	high	high	ADJ
fsr-4224	372	7	financial	financial	ADJ
fsr-4224	372	8	attitudes	attitude	NOUN
fsr-4224	372	9	,	,	PUNCT
fsr-4224	372	10	coupled	couple	VERB
fsr-4224	372	11	with	with	ADP
fsr-4224	372	12	strong	strong	ADJ
fsr-4224	372	13	family	family	NOUN
fsr-4224	372	14	financial	financial	ADJ
fsr-4224	372	15	socialization	socialization	NOUN
fsr-4224	372	16	,	,	PUNCT
fsr-4224	372	17	self	self	NOUN
fsr-4224	372	18	-	-	PUNCT
fsr-4224	372	19	perceived	perceive	VERB
fsr-4224	372	20	financial	financial	ADJ
fsr-4224	372	21	knowledge	knowledge	NOUN
fsr-4224	372	22	and	and	CCONJ
fsr-4224	372	23	high	high	ADJ
fsr-4224	372	24	financial	financial	ADJ
fsr-4224	372	25	self	self	NOUN
fsr-4224	372	26	-	-	PUNCT
fsr-4224	372	27	efficacy	efficacy	NOUN
fsr-4224	372	28	,	,	PUNCT
fsr-4224	372	29	contribute	contribute	VERB
fsr-4224	372	30	significantly	significantly	ADV
fsr-4224	372	31	to	to	ADP
fsr-4224	372	32	positive	positive	ADJ
fsr-4224	372	33	financial	financial	ADJ
fsr-4224	372	34	behavior	behavior	NOUN
fsr-4224	372	35	.	.	PUNCT
fsr-4224	373	1	this	this	PRON
fsr-4224	373	2	underscores	underscore	VERB
fsr-4224	373	3	the	the	DET
fsr-4224	373	4	importance	importance	NOUN
fsr-4224	373	5	of	of	ADP
fsr-4224	373	6	a	a	DET
fsr-4224	373	7	holistic	holistic	ADJ
fsr-4224	373	8	approach	approach	NOUN
fsr-4224	373	9	that	that	PRON
fsr-4224	373	10	integrates	integrate	VERB
fsr-4224	373	11	individual	individual	ADJ
fsr-4224	373	12	attitudes	attitude	NOUN
fsr-4224	373	13	,	,	PUNCT
fsr-4224	373	14	family	family	NOUN
fsr-4224	373	15	influences	influence	NOUN
fsr-4224	373	16	and	and	CCONJ
fsr-4224	373	17	self	self	NOUN
fsr-4224	373	18	-	-	PUNCT
fsr-4224	373	19	confidence	confidence	NOUN
fsr-4224	373	20	in	in	ADP
fsr-4224	373	21	fostering	foster	VERB
fsr-4224	373	22	effective	effective	ADJ
fsr-4224	373	23	financial	financial	ADJ
fsr-4224	373	24	management	management	NOUN
fsr-4224	373	25	.	.	PUNCT
fsr-4224	374	1	conversely	conversely	ADV
fsr-4224	374	2	,	,	PUNCT
fsr-4224	374	3	an	an	DET
fsr-4224	374	4	unfavorable	unfavorable	ADJ
fsr-4224	374	5	financial	financial	ADJ
fsr-4224	374	6	attitude	attitude	NOUN
fsr-4224	374	7	combined	combine	VERB
fsr-4224	374	8	with	with	ADP
fsr-4224	374	9	low	low	ADJ
fsr-4224	374	10	self	self	NOUN
fsr-4224	374	11	-	-	PUNCT
fsr-4224	374	12	perceived	perceive	VERB
fsr-4224	374	13	financial	financial	ADJ
fsr-4224	374	14	knowledge	knowledge	NOUN
fsr-4224	374	15	can	can	AUX
fsr-4224	374	16	lead	lead	VERB
fsr-4224	374	17	to	to	ADP
fsr-4224	374	18	undesirable	undesirable	ADJ
fsr-4224	374	19	financial	financial	ADJ
fsr-4224	374	20	behavior	behavior	NOUN
fsr-4224	374	21	,	,	PUNCT
fsr-4224	374	22	despite	despite	SCONJ
fsr-4224	374	23	high	high	ADJ
fsr-4224	374	24	financial	financial	ADJ
fsr-4224	374	25	self	self	NOUN
fsr-4224	374	26	-	-	PUNCT
fsr-4224	374	27	efficacy	efficacy	NOUN
fsr-4224	374	28	.	.	PUNCT
fsr-4224	375	1	financial	financial	ADJ
fsr-4224	375	2	services	service	NOUN
fsr-4224	375	3	review	review	PROPN
fsr-4224	375	4	,	,	PUNCT
fsr-4224	375	5	33(4	33(4	NUM
fsr-4224	375	6	)	)	PUNCT
fsr-4224	375	7	182	182	NUM
fsr-4224	375	8	this	this	DET
fsr-4224	375	9	highlights	highlight	NOUN
fsr-4224	375	10	that	that	DET
fsr-4224	375	11	confidence	confidence	NOUN
fsr-4224	375	12	alone	alone	ADV
fsr-4224	375	13	is	be	AUX
fsr-4224	375	14	insufficient	insufficient	ADJ
fsr-4224	375	15	to	to	PART
fsr-4224	375	16	ensure	ensure	VERB
fsr-4224	375	17	positive	positive	ADJ
fsr-4224	375	18	financial	financial	ADJ
fsr-4224	375	19	outcomes	outcome	NOUN
fsr-4224	375	20	if	if	SCONJ
fsr-4224	375	21	it	it	PRON
fsr-4224	375	22	is	be	AUX
fsr-4224	375	23	not	not	PART
fsr-4224	375	24	supported	support	VERB
fsr-4224	375	25	by	by	ADP
fsr-4224	375	26	a	a	DET
fsr-4224	375	27	positive	positive	ADJ
fsr-4224	375	28	attitude	attitude	NOUN
fsr-4224	375	29	and	and	CCONJ
fsr-4224	375	30	sufficient	sufficient	ADJ
fsr-4224	375	31	knowledge	knowledge	NOUN
fsr-4224	375	32	.	.	PUNCT
fsr-4224	376	1	the	the	DET
fsr-4224	376	2	study	study	NOUN
fsr-4224	376	3	further	far	ADV
fsr-4224	376	4	reveals	reveal	VERB
fsr-4224	376	5	that	that	SCONJ
fsr-4224	376	6	low	low	ADJ
fsr-4224	376	7	financial	financial	ADJ
fsr-4224	376	8	attitudes	attitude	NOUN
fsr-4224	376	9	and	and	CCONJ
fsr-4224	376	10	limited	limited	ADJ
fsr-4224	376	11	family	family	NOUN
fsr-4224	376	12	financial	financial	ADJ
fsr-4224	376	13	socialization	socialization	NOUN
fsr-4224	376	14	can	can	AUX
fsr-4224	376	15	result	result	VERB
fsr-4224	376	16	in	in	ADP
fsr-4224	376	17	negative	negative	ADJ
fsr-4224	376	18	financial	financial	ADJ
fsr-4224	376	19	behaviors	behavior	NOUN
fsr-4224	376	20	,	,	PUNCT
fsr-4224	376	21	even	even	ADV
fsr-4224	376	22	when	when	SCONJ
fsr-4224	376	23	peer	peer	NOUN
fsr-4224	376	24	influence	influence	NOUN
fsr-4224	376	25	and	and	CCONJ
fsr-4224	376	26	financial	financial	ADJ
fsr-4224	376	27	self	self	NOUN
fsr-4224	376	28	-	-	PUNCT
fsr-4224	376	29	efficacy	efficacy	NOUN
fsr-4224	376	30	are	be	AUX
fsr-4224	376	31	high	high	ADJ
fsr-4224	376	32	.	.	PUNCT
fsr-4224	377	1	this	this	DET
fsr-4224	377	2	finding	finding	NOUN
fsr-4224	377	3	suggests	suggest	VERB
fsr-4224	377	4	that	that	SCONJ
fsr-4224	377	5	family	family	NOUN
fsr-4224	377	6	financial	financial	ADJ
fsr-4224	377	7	socialization	socialization	NOUN
fsr-4224	377	8	plays	play	VERB
fsr-4224	377	9	a	a	DET
fsr-4224	377	10	critical	critical	ADJ
fsr-4224	377	11	role	role	NOUN
fsr-4224	377	12	in	in	ADP
fsr-4224	377	13	shaping	shape	VERB
fsr-4224	377	14	financial	financial	ADJ
fsr-4224	377	15	behaviors	behavior	NOUN
fsr-4224	377	16	and	and	CCONJ
fsr-4224	377	17	that	that	SCONJ
fsr-4224	377	18	reliance	reliance	NOUN
fsr-4224	377	19	on	on	ADP
fsr-4224	377	20	peer	peer	NOUN
fsr-4224	377	21	influence	influence	NOUN
fsr-4224	377	22	alone	alone	ADV
fsr-4224	377	23	may	may	AUX
fsr-4224	377	24	not	not	PART
fsr-4224	377	25	be	be	AUX
fsr-4224	377	26	enough	enough	ADJ
fsr-4224	377	27	to	to	PART
fsr-4224	377	28	counteract	counteract	VERB
fsr-4224	377	29	the	the	DET
fsr-4224	377	30	effects	effect	NOUN
fsr-4224	377	31	of	of	ADP
fsr-4224	377	32	poor	poor	ADJ
fsr-4224	377	33	financial	financial	ADJ
fsr-4224	377	34	attitudes	attitude	NOUN
fsr-4224	377	35	and	and	CCONJ
fsr-4224	377	36	inadequate	inadequate	ADJ
fsr-4224	377	37	family	family	NOUN
fsr-4224	377	38	guidance	guidance	NOUN
fsr-4224	377	39	.	.	PUNCT
fsr-4224	378	1	several	several	ADJ
fsr-4224	378	2	limitations	limitation	NOUN
fsr-4224	378	3	must	must	AUX
fsr-4224	378	4	be	be	AUX
fsr-4224	378	5	acknowledged	acknowledge	VERB
fsr-4224	378	6	in	in	ADP
fsr-4224	378	7	this	this	DET
fsr-4224	378	8	study	study	NOUN
fsr-4224	378	9	.	.	PUNCT
fsr-4224	379	1	first	first	ADV
fsr-4224	379	2	,	,	PUNCT
fsr-4224	379	3	the	the	DET
fsr-4224	379	4	research	research	NOUN
fsr-4224	379	5	utilized	utilize	VERB
fsr-4224	379	6	a	a	DET
fsr-4224	379	7	crosssectional	crosssectional	ADJ
fsr-4224	379	8	design	design	NOUN
fsr-4224	379	9	,	,	PUNCT
fsr-4224	379	10	capturing	capture	VERB
fsr-4224	379	11	data	datum	NOUN
fsr-4224	379	12	at	at	ADP
fsr-4224	379	13	a	a	DET
fsr-4224	379	14	single	single	ADJ
fsr-4224	379	15	point	point	NOUN
fsr-4224	379	16	in	in	ADP
fsr-4224	379	17	time	time	NOUN
fsr-4224	379	18	.	.	PUNCT
fsr-4224	380	1	this	this	DET
fsr-4224	380	2	approach	approach	NOUN
fsr-4224	380	3	restricts	restrict	VERB
fsr-4224	380	4	the	the	DET
fsr-4224	380	5	ability	ability	NOUN
fsr-4224	380	6	to	to	PART
fsr-4224	380	7	establish	establish	VERB
fsr-4224	380	8	causal	causal	ADJ
fsr-4224	380	9	relationships	relationship	NOUN
fsr-4224	380	10	between	between	ADP
fsr-4224	380	11	the	the	DET
fsr-4224	380	12	factors	factor	NOUN
fsr-4224	380	13	studied	study	VERB
fsr-4224	380	14	and	and	CCONJ
fsr-4224	380	15	financial	financial	ADJ
fsr-4224	380	16	behavior	behavior	NOUN
fsr-4224	380	17	.	.	PUNCT
fsr-4224	381	1	longitudinal	longitudinal	ADJ
fsr-4224	381	2	studies	study	NOUN
fsr-4224	381	3	would	would	AUX
fsr-4224	381	4	be	be	AUX
fsr-4224	381	5	necessary	necessary	ADJ
fsr-4224	381	6	to	to	PART
fsr-4224	381	7	track	track	VERB
fsr-4224	381	8	changes	change	NOUN
fsr-4224	381	9	over	over	ADP
fsr-4224	381	10	time	time	NOUN
fsr-4224	381	11	and	and	CCONJ
fsr-4224	381	12	determine	determine	VERB
fsr-4224	381	13	causality	causality	NOUN
fsr-4224	381	14	more	more	ADV
fsr-4224	381	15	accurately	accurately	ADV
fsr-4224	381	16	.	.	PUNCT
fsr-4224	382	1	second	second	ADV
fsr-4224	382	2	,	,	PUNCT
fsr-4224	382	3	the	the	DET
fsr-4224	382	4	study	study	NOUN
fsr-4224	382	5	relies	rely	VERB
fsr-4224	382	6	on	on	ADP
fsr-4224	382	7	self	self	NOUN
fsr-4224	382	8	-	-	PUNCT
fsr-4224	382	9	reported	report	VERB
fsr-4224	382	10	data	datum	NOUN
fsr-4224	382	11	,	,	PUNCT
fsr-4224	382	12	which	which	PRON
fsr-4224	382	13	can	can	AUX
fsr-4224	382	14	be	be	AUX
fsr-4224	382	15	subject	subject	ADJ
fsr-4224	382	16	to	to	ADP
fsr-4224	382	17	biases	bias	NOUN
fsr-4224	382	18	such	such	ADJ
fsr-4224	382	19	as	as	ADP
fsr-4224	382	20	social	social	ADJ
fsr-4224	382	21	desirability	desirability	NOUN
fsr-4224	382	22	or	or	CCONJ
fsr-4224	382	23	recall	recall	NOUN
fsr-4224	382	24	inaccuracies	inaccuracy	NOUN
fsr-4224	382	25	.	.	PUNCT
fsr-4224	383	1	future	future	ADJ
fsr-4224	383	2	research	research	NOUN
fsr-4224	383	3	should	should	AUX
fsr-4224	383	4	incorporate	incorporate	VERB
fsr-4224	383	5	objective	objective	ADJ
fsr-4224	383	6	measures	measure	NOUN
fsr-4224	383	7	of	of	ADP
fsr-4224	383	8	financial	financial	ADJ
fsr-4224	383	9	behavior	behavior	NOUN
fsr-4224	383	10	and	and	CCONJ
fsr-4224	383	11	outcomes	outcome	NOUN
fsr-4224	383	12	to	to	PART
fsr-4224	383	13	validate	validate	VERB
fsr-4224	383	14	the	the	DET
fsr-4224	383	15	selfreported	selfreporte	VERB
fsr-4224	383	16	data	datum	NOUN
fsr-4224	383	17	.	.	PUNCT
fsr-4224	384	1	additionally	additionally	ADV
fsr-4224	384	2	,	,	PUNCT
fsr-4224	384	3	this	this	DET
fsr-4224	384	4	study	study	NOUN
fsr-4224	384	5	focuses	focus	VERB
fsr-4224	384	6	on	on	ADP
fsr-4224	384	7	polish	polish	ADJ
fsr-4224	384	8	young	young	ADJ
fsr-4224	384	9	adults	adult	NOUN
fsr-4224	384	10	as	as	ADP
fsr-4224	384	11	a	a	DET
fsr-4224	384	12	distinct	distinct	ADJ
fsr-4224	384	13	and	and	CCONJ
fsr-4224	384	14	understudied	understudied	ADJ
fsr-4224	384	15	population	population	NOUN
fsr-4224	384	16	for	for	ADP
fsr-4224	384	17	examining	examine	VERB
fsr-4224	384	18	financial	financial	ADJ
fsr-4224	384	19	behavior	behavior	NOUN
fsr-4224	384	20	within	within	ADP
fsr-4224	384	21	the	the	DET
fsr-4224	384	22	tpb	tpb	NOUN
fsr-4224	384	23	framework	framework	NOUN
fsr-4224	384	24	.	.	PUNCT
fsr-4224	385	1	poland	poland	PROPN
fsr-4224	385	2	's	's	PART
fsr-4224	385	3	rapidly	rapidly	ADV
fsr-4224	385	4	changing	change	VERB
fsr-4224	385	5	financial	financial	ADJ
fsr-4224	385	6	landscape	landscape	NOUN
fsr-4224	385	7	,	,	PUNCT
fsr-4224	385	8	economic	economic	ADJ
fsr-4224	385	9	transformation	transformation	NOUN
fsr-4224	385	10	,	,	PUNCT
fsr-4224	385	11	and	and	CCONJ
fsr-4224	385	12	evolving	evolve	VERB
fsr-4224	385	13	social	social	ADJ
fsr-4224	385	14	norms	norm	NOUN
fsr-4224	385	15	create	create	VERB
fsr-4224	385	16	a	a	DET
fsr-4224	385	17	unique	unique	ADJ
fsr-4224	385	18	context	context	NOUN
fsr-4224	385	19	for	for	ADP
fsr-4224	385	20	financial	financial	ADJ
fsr-4224	385	21	decision	decision	NOUN
fsr-4224	385	22	-	-	PUNCT
fsr-4224	385	23	making	making	NOUN
fsr-4224	385	24	,	,	PUNCT
fsr-4224	385	25	offering	offer	VERB
fsr-4224	385	26	insights	insight	NOUN
fsr-4224	385	27	that	that	PRON
fsr-4224	385	28	may	may	AUX
fsr-4224	385	29	differ	differ	VERB
fsr-4224	385	30	from	from	ADP
fsr-4224	385	31	those	those	PRON
fsr-4224	385	32	observed	observe	VERB
fsr-4224	385	33	in	in	ADP
fsr-4224	385	34	more	more	ADV
fsr-4224	385	35	extensively	extensively	ADV
fsr-4224	385	36	studied	study	VERB
fsr-4224	385	37	western	western	ADJ
fsr-4224	385	38	or	or	CCONJ
fsr-4224	385	39	east	east	ADJ
fsr-4224	385	40	asian	asian	ADJ
fsr-4224	385	41	populations	population	NOUN
fsr-4224	385	42	.	.	PUNCT
fsr-4224	386	1	understanding	understand	VERB
fsr-4224	386	2	how	how	SCONJ
fsr-4224	386	3	financial	financial	ADJ
fsr-4224	386	4	attitudes	attitude	NOUN
fsr-4224	386	5	,	,	PUNCT
fsr-4224	386	6	social	social	ADJ
fsr-4224	386	7	influences	influence	NOUN
fsr-4224	386	8	,	,	PUNCT
fsr-4224	386	9	and	and	CCONJ
fsr-4224	386	10	self	self	NOUN
fsr-4224	386	11	-	-	PUNCT
fsr-4224	386	12	efficacy	efficacy	NOUN
fsr-4224	386	13	shape	shape	NOUN
fsr-4224	386	14	financial	financial	ADJ
fsr-4224	386	15	behavior	behavior	NOUN
fsr-4224	386	16	in	in	ADP
fsr-4224	386	17	this	this	DET
fsr-4224	386	18	context	context	NOUN
fsr-4224	386	19	can	can	AUX
fsr-4224	386	20	provide	provide	VERB
fsr-4224	386	21	valuable	valuable	ADJ
fsr-4224	386	22	contributions	contribution	NOUN
fsr-4224	386	23	to	to	ADP
fsr-4224	386	24	the	the	DET
fsr-4224	386	25	broader	broad	ADJ
fsr-4224	386	26	literature	literature	NOUN
fsr-4224	386	27	on	on	ADP
fsr-4224	386	28	financial	financial	ADJ
fsr-4224	386	29	planning	planning	NOUN
fsr-4224	386	30	and	and	CCONJ
fsr-4224	386	31	education	education	NOUN
fsr-4224	386	32	.	.	PUNCT
fsr-4224	387	1	while	while	SCONJ
fsr-4224	387	2	this	this	DET
fsr-4224	387	3	context	context	NOUN
fsr-4224	387	4	presents	present	VERB
fsr-4224	387	5	unique	unique	ADJ
fsr-4224	387	6	opportunities	opportunity	NOUN
fsr-4224	387	7	for	for	ADP
fsr-4224	387	8	understanding	understand	VERB
fsr-4224	387	9	financial	financial	ADJ
fsr-4224	387	10	behavior	behavior	NOUN
fsr-4224	387	11	,	,	PUNCT
fsr-4224	387	12	we	we	PRON
fsr-4224	387	13	recognize	recognize	VERB
fsr-4224	387	14	that	that	SCONJ
fsr-4224	387	15	the	the	DET
fsr-4224	387	16	findings	finding	NOUN
fsr-4224	387	17	may	may	AUX
fsr-4224	387	18	have	have	VERB
fsr-4224	387	19	limited	limit	VERB
fsr-4224	387	20	generalizability	generalizability	NOUN
fsr-4224	387	21	beyond	beyond	ADP
fsr-4224	387	22	polish	polish	ADJ
fsr-4224	387	23	university	university	NOUN
fsr-4224	387	24	students	student	NOUN
fsr-4224	387	25	.	.	PUNCT
fsr-4224	388	1	nevertheless	nevertheless	ADV
fsr-4224	388	2	,	,	PUNCT
fsr-4224	388	3	young	young	ADJ
fsr-4224	388	4	adults	adult	NOUN
fsr-4224	388	5	globally	globally	ADV
fsr-4224	388	6	face	face	VERB
fsr-4224	388	7	similar	similar	ADJ
fsr-4224	388	8	financial	financial	ADJ
fsr-4224	388	9	challenges	challenge	NOUN
fsr-4224	388	10	,	,	PUNCT
fsr-4224	388	11	such	such	ADJ
fsr-4224	388	12	as	as	ADP
fsr-4224	388	13	managing	manage	VERB
fsr-4224	388	14	debt	debt	NOUN
fsr-4224	388	15	,	,	PUNCT
fsr-4224	388	16	building	build	VERB
fsr-4224	388	17	financial	financial	ADJ
fsr-4224	388	18	resilience	resilience	NOUN
fsr-4224	388	19	,	,	PUNCT
fsr-4224	388	20	and	and	CCONJ
fsr-4224	388	21	making	make	VERB
fsr-4224	388	22	early	early	ADJ
fsr-4224	388	23	career	career	NOUN
fsr-4224	388	24	financial	financial	ADJ
fsr-4224	388	25	decisions	decision	NOUN
fsr-4224	388	26	,	,	PUNCT
fsr-4224	388	27	making	make	VERB
fsr-4224	388	28	these	these	DET
fsr-4224	388	29	findings	finding	NOUN
fsr-4224	388	30	relevant	relevant	ADJ
fsr-4224	388	31	beyond	beyond	ADP
fsr-4224	388	32	the	the	DET
fsr-4224	388	33	polish	polish	ADJ
fsr-4224	388	34	context	context	NOUN
fsr-4224	388	35	(	(	PUNCT
fsr-4224	388	36	xiao	xiao	PROPN
fsr-4224	388	37	&	&	CCONJ
fsr-4224	388	38	porto	porto	PROPN
fsr-4224	388	39	,	,	PUNCT
fsr-4224	388	40	2017	2017	NUM
fsr-4224	388	41	;	;	PUNCT
fsr-4224	388	42	sabri	sabri	PROPN
fsr-4224	388	43	et	et	PROPN
fsr-4224	388	44	al	al	PROPN
fsr-4224	388	45	.	.	PROPN
fsr-4224	388	46	,	,	PUNCT
fsr-4224	388	47	2023	2023	NUM
fsr-4224	388	48	)	)	PUNCT
fsr-4224	388	49	.	.	PUNCT
fsr-4224	389	1	additionally	additionally	ADV
fsr-4224	389	2	,	,	PUNCT
fsr-4224	389	3	the	the	DET
fsr-4224	389	4	combined	combined	ADJ
fsr-4224	389	5	use	use	NOUN
fsr-4224	389	6	of	of	ADP
fsr-4224	389	7	plssem	plssem	NOUN
fsr-4224	389	8	and	and	CCONJ
fsr-4224	389	9	fsqca	fsqca	NOUN
fsr-4224	389	10	captures	capture	VERB
fsr-4224	389	11	both	both	CCONJ
fsr-4224	389	12	generalizable	generalizable	ADJ
fsr-4224	389	13	net	net	ADJ
fsr-4224	389	14	effects	effect	NOUN
fsr-4224	389	15	and	and	CCONJ
fsr-4224	389	16	context	context	NOUN
fsr-4224	389	17	-	-	PUNCT
fsr-4224	389	18	specific	specific	ADJ
fsr-4224	389	19	causal	causal	ADJ
fsr-4224	389	20	pathways	pathway	NOUN
fsr-4224	389	21	,	,	PUNCT
fsr-4224	389	22	offering	offer	VERB
fsr-4224	389	23	a	a	DET
fsr-4224	389	24	more	more	ADV
fsr-4224	389	25	nuanced	nuanced	ADJ
fsr-4224	389	26	understanding	understanding	NOUN
fsr-4224	389	27	of	of	ADP
fsr-4224	389	28	financial	financial	ADJ
fsr-4224	389	29	behavior	behavior	NOUN
fsr-4224	389	30	that	that	PRON
fsr-4224	389	31	can	can	AUX
fsr-4224	389	32	inform	inform	VERB
fsr-4224	389	33	educational	educational	ADJ
fsr-4224	389	34	programs	program	NOUN
fsr-4224	389	35	and	and	CCONJ
fsr-4224	389	36	policy	policy	NOUN
fsr-4224	389	37	development	development	NOUN
fsr-4224	389	38	globally	globally	ADV
fsr-4224	389	39	(	(	PUNCT
fsr-4224	389	40	ragin	ragin	ADJ
fsr-4224	389	41	,	,	PUNCT
fsr-4224	389	42	2008	2008	NUM
fsr-4224	389	43	;	;	PUNCT
fsr-4224	389	44	pappas	pappas	PROPN
fsr-4224	389	45	&	&	CCONJ
fsr-4224	389	46	woodside	woodside	PROPN
fsr-4224	389	47	,	,	PUNCT
fsr-4224	389	48	2021	2021	NUM
fsr-4224	389	49	)	)	PUNCT
fsr-4224	389	50	.	.	PUNCT
fsr-4224	390	1	future	future	ADJ
fsr-4224	390	2	studies	study	NOUN
fsr-4224	390	3	could	could	AUX
fsr-4224	390	4	expand	expand	VERB
fsr-4224	390	5	on	on	ADP
fsr-4224	390	6	this	this	DET
fsr-4224	390	7	work	work	NOUN
fsr-4224	390	8	by	by	ADP
fsr-4224	390	9	exploring	explore	VERB
fsr-4224	390	10	similar	similar	ADJ
fsr-4224	390	11	factors	factor	NOUN
fsr-4224	390	12	in	in	ADP
fsr-4224	390	13	different	different	ADJ
fsr-4224	390	14	cultural	cultural	ADJ
fsr-4224	390	15	and	and	CCONJ
fsr-4224	390	16	economic	economic	ADJ
fsr-4224	390	17	contexts	context	NOUN
fsr-4224	390	18	,	,	PUNCT
fsr-4224	390	19	further	far	ADV
fsr-4224	390	20	enhancing	enhance	VERB
fsr-4224	390	21	the	the	DET
fsr-4224	390	22	practical	practical	ADJ
fsr-4224	390	23	relevance	relevance	NOUN
fsr-4224	390	24	of	of	ADP
fsr-4224	390	25	the	the	DET
fsr-4224	390	26	findings	finding	NOUN
fsr-4224	390	27	(	(	PUNCT
fsr-4224	390	28	gil	gil	PROPN
fsr-4224	390	29	-	-	PROPN
fsr-4224	390	30	cordero	cordero	PROPN
fsr-4224	390	31	et	et	PROPN
fsr-4224	390	32	al	al	PROPN
fsr-4224	390	33	.	.	PROPN
fsr-4224	390	34	,	,	PUNCT
fsr-4224	390	35	2024	2024	NUM
fsr-4224	390	36	)	)	PUNCT
fsr-4224	390	37	.	.	PUNCT
fsr-4224	391	1	future	future	ADJ
fsr-4224	391	2	research	research	NOUN
fsr-4224	391	3	should	should	AUX
fsr-4224	391	4	explore	explore	VERB
fsr-4224	391	5	several	several	ADJ
fsr-4224	391	6	avenues	avenue	NOUN
fsr-4224	391	7	to	to	PART
fsr-4224	391	8	build	build	VERB
fsr-4224	391	9	on	on	ADP
fsr-4224	391	10	these	these	DET
fsr-4224	391	11	findings	finding	NOUN
fsr-4224	391	12	.	.	PUNCT
fsr-4224	392	1	longitudinal	longitudinal	ADJ
fsr-4224	392	2	studies	study	NOUN
fsr-4224	392	3	are	be	AUX
fsr-4224	392	4	needed	need	VERB
fsr-4224	392	5	to	to	PART
fsr-4224	392	6	examine	examine	VERB
fsr-4224	392	7	how	how	SCONJ
fsr-4224	392	8	financial	financial	ADJ
fsr-4224	392	9	attitudes	attitude	NOUN
fsr-4224	392	10	,	,	PUNCT
fsr-4224	392	11	family	family	NOUN
fsr-4224	392	12	socialization	socialization	NOUN
fsr-4224	392	13	,	,	PUNCT
fsr-4224	392	14	and	and	CCONJ
fsr-4224	392	15	self	self	NOUN
fsr-4224	392	16	-	-	PUNCT
fsr-4224	392	17	efficacy	efficacy	NOUN
fsr-4224	392	18	interact	interact	NOUN
fsr-4224	392	19	over	over	ADP
fsr-4224	392	20	time	time	NOUN
fsr-4224	392	21	to	to	PART
fsr-4224	392	22	influence	influence	VERB
fsr-4224	392	23	financial	financial	ADJ
fsr-4224	392	24	behaviors	behavior	NOUN
fsr-4224	392	25	.	.	PUNCT
fsr-4224	393	1	additionally	additionally	ADV
fsr-4224	393	2	,	,	PUNCT
fsr-4224	393	3	research	research	NOUN
fsr-4224	393	4	should	should	AUX
fsr-4224	393	5	include	include	VERB
fsr-4224	393	6	diverse	diverse	ADJ
fsr-4224	393	7	populations	population	NOUN
fsr-4224	393	8	and	and	CCONJ
fsr-4224	393	9	cultural	cultural	ADJ
fsr-4224	393	10	contexts	context	NOUN
fsr-4224	393	11	to	to	PART
fsr-4224	393	12	assess	assess	VERB
fsr-4224	393	13	the	the	DET
fsr-4224	393	14	generalizability	generalizability	NOUN
fsr-4224	393	15	of	of	ADP
fsr-4224	393	16	the	the	DET
fsr-4224	393	17	findings	finding	NOUN
fsr-4224	393	18	and	and	CCONJ
fsr-4224	393	19	identify	identify	VERB
fsr-4224	393	20	culturally	culturally	ADV
fsr-4224	393	21	relevant	relevant	ADJ
fsr-4224	393	22	factors	factor	NOUN
fsr-4224	393	23	affecting	affect	VERB
fsr-4224	393	24	financial	financial	ADJ
fsr-4224	393	25	behavior	behavior	NOUN
fsr-4224	393	26	.	.	PUNCT
fsr-4224	394	1	exploring	explore	VERB
fsr-4224	394	2	the	the	DET
fsr-4224	394	3	mechanisms	mechanism	NOUN
fsr-4224	394	4	through	through	ADP
fsr-4224	394	5	which	which	PRON
fsr-4224	394	6	peer	peer	NOUN
fsr-4224	394	7	influence	influence	NOUN
fsr-4224	394	8	interacts	interact	VERB
fsr-4224	394	9	with	with	ADP
fsr-4224	394	10	financial	financial	ADJ
fsr-4224	394	11	attitudes	attitude	NOUN
fsr-4224	394	12	and	and	CCONJ
fsr-4224	394	13	socialization	socialization	NOUN
fsr-4224	394	14	can	can	AUX
fsr-4224	394	15	also	also	ADV
fsr-4224	394	16	provide	provide	VERB
fsr-4224	394	17	a	a	DET
fsr-4224	394	18	deeper	deep	ADJ
fsr-4224	394	19	understanding	understanding	NOUN
fsr-4224	394	20	of	of	ADP
fsr-4224	394	21	its	its	PRON
fsr-4224	394	22	role	role	NOUN
fsr-4224	394	23	in	in	ADP
fsr-4224	394	24	shaping	shape	VERB
fsr-4224	394	25	financial	financial	ADJ
fsr-4224	394	26	decisions	decision	NOUN
fsr-4224	394	27	.	.	PUNCT
fsr-4224	395	1	finally	finally	ADV
fsr-4224	395	2	,	,	PUNCT
fsr-4224	395	3	incorporating	incorporate	VERB
fsr-4224	395	4	both	both	CCONJ
fsr-4224	395	5	qualitative	qualitative	ADJ
fsr-4224	395	6	and	and	CCONJ
fsr-4224	395	7	quantitative	quantitative	ADJ
fsr-4224	395	8	methods	method	NOUN
fsr-4224	395	9	could	could	AUX
fsr-4224	395	10	offer	offer	VERB
fsr-4224	395	11	a	a	DET
fsr-4224	395	12	more	more	ADV
fsr-4224	395	13	comprehensive	comprehensive	ADJ
fsr-4224	395	14	view	view	NOUN
fsr-4224	395	15	of	of	ADP
fsr-4224	395	16	how	how	SCONJ
fsr-4224	395	17	individual	individual	ADJ
fsr-4224	395	18	and	and	CCONJ
fsr-4224	395	19	social	social	ADJ
fsr-4224	395	20	factors	factor	NOUN
fsr-4224	395	21	collectively	collectively	ADV
fsr-4224	395	22	impact	impact	VERB
fsr-4224	395	23	financial	financial	ADJ
fsr-4224	395	24	behavior	behavior	NOUN
fsr-4224	395	25	.	.	PUNCT
fsr-4224	396	1	ahamed	ahamed	PROPN
fsr-4224	396	2	et	et	PROPN
fsr-4224	396	3	al	al	PROPN
fsr-4224	396	4	.	.	PROPN
fsr-4224	396	5	183	183	NUM
fsr-4224	396	6	appendix	appendix	NOUN
fsr-4224	396	7	1	1	NUM
fsr-4224	396	8	.	.	PUNCT
fsr-4224	396	9	measurement	measurement	NOUN
fsr-4224	396	10	items	item	NOUN
fsr-4224	396	11	after	after	ADP
fsr-4224	396	12	deleting	delete	VERB
fsr-4224	396	13	those	those	PRON
fsr-4224	396	14	with	with	ADP
fsr-4224	396	15	lower	low	ADJ
fsr-4224	396	16	factor	factor	NOUN
fsr-4224	396	17	loadings	loading	NOUN
fsr-4224	396	18	factor	factor	NOUN
fsr-4224	396	19	loading	load	VERB
fsr-4224	396	20	financial	financial	ADJ
fsr-4224	396	21	management	management	NOUN
fsr-4224	396	22	behavior	behavior	NOUN
fsr-4224	396	23	i	i	PRON
fsr-4224	396	24	budget	budget	VERB
fsr-4224	396	25	and	and	CCONJ
fsr-4224	396	26	track	track	VERB
fsr-4224	396	27	spending	spend	VERB
fsr-4224	396	28	0.66	0.66	NUM
fsr-4224	396	29	i	i	PRON
fsr-4224	396	30	read	read	VERB
fsr-4224	396	31	to	to	PART
fsr-4224	396	32	increase	increase	VERB
fsr-4224	396	33	my	my	PRON
fsr-4224	396	34	financial	financial	ADJ
fsr-4224	396	35	knowledge	knowledge	NOUN
fsr-4224	396	36	.	.	PUNCT
fsr-4224	397	1	0.70	0.70	NUM
fsr-4224	397	2	i	i	PRON
fsr-4224	397	3	contribute	contribute	VERB
fsr-4224	397	4	to	to	ADP
fsr-4224	397	5	an	an	DET
fsr-4224	397	6	investment	investment	NOUN
fsr-4224	397	7	account	account	NOUN
fsr-4224	397	8	0.75	0.75	NUM
fsr-4224	397	9	i	i	PRON
fsr-4224	397	10	contribute	contribute	VERB
fsr-4224	397	11	to	to	ADP
fsr-4224	397	12	a	a	DET
fsr-4224	397	13	savings	saving	NOUN
fsr-4224	397	14	account	account	NOUN
fsr-4224	397	15	regularly	regularly	ADV
fsr-4224	397	16	.	.	PUNCT
fsr-4224	398	1	0.71	0.71	NUM
fsr-4224	398	2	i	i	PRON
fsr-4224	398	3	find	find	VERB
fsr-4224	398	4	legal	legal	ADJ
fsr-4224	398	5	ways	way	NOUN
fsr-4224	398	6	to	to	PART
fsr-4224	398	7	lower	lower	VERB
fsr-4224	398	8	my	my	PRON
fsr-4224	398	9	taxes	taxis	NOUN
fsr-4224	398	10	.	.	PUNCT
fsr-4224	399	1	0.55	0.55	NUM
fsr-4224	399	2	financial	financial	ADJ
fsr-4224	399	3	self	self	NOUN
fsr-4224	399	4	-	-	PUNCT
fsr-4224	399	5	efficacy	efficacy	NOUN
fsr-4224	399	6	it	it	PRON
fsr-4224	399	7	is	be	AUX
fsr-4224	399	8	hard	hard	ADJ
fsr-4224	399	9	to	to	PART
fsr-4224	399	10	stick	stick	VERB
fsr-4224	399	11	to	to	ADP
fsr-4224	399	12	my	my	PRON
fsr-4224	399	13	spending	spending	NOUN
fsr-4224	399	14	when	when	SCONJ
fsr-4224	399	15	unexpected	unexpected	ADJ
fsr-4224	399	16	expenses	expense	NOUN
fsr-4224	399	17	arise	arise	VERB
fsr-4224	399	18	0.66	0.66	NUM
fsr-4224	399	19	it	it	PRON
fsr-4224	399	20	is	be	AUX
fsr-4224	399	21	challenging	challenge	VERB
fsr-4224	399	22	to	to	PART
fsr-4224	399	23	make	make	VERB
fsr-4224	399	24	progress	progress	NOUN
fsr-4224	399	25	towards	towards	ADP
fsr-4224	399	26	my	my	PRON
fsr-4224	399	27	financial	financial	ADJ
fsr-4224	399	28	goals	goal	NOUN
fsr-4224	399	29	0.66	0.66	NUM
fsr-4224	399	30	when	when	SCONJ
fsr-4224	399	31	unexpected	unexpected	ADJ
fsr-4224	399	32	expenses	expense	NOUN
fsr-4224	399	33	occur	occur	VERB
fsr-4224	399	34	,	,	PUNCT
fsr-4224	399	35	i	i	PRON
fsr-4224	399	36	usually	usually	ADV
fsr-4224	399	37	have	have	VERB
fsr-4224	399	38	to	to	PART
fsr-4224	399	39	borrow	borrow	VERB
fsr-4224	399	40	0.60	0.60	NUM
fsr-4224	399	41	when	when	SCONJ
fsr-4224	399	42	faced	face	VERB
fsr-4224	399	43	with	with	ADP
fsr-4224	399	44	a	a	DET
fsr-4224	399	45	financial	financial	ADJ
fsr-4224	399	46	challenge	challenge	NOUN
fsr-4224	399	47	,	,	PUNCT
fsr-4224	399	48	i	i	PRON
fsr-4224	399	49	have	have	VERB
fsr-4224	399	50	a	a	DET
fsr-4224	399	51	hard	hard	ADJ
fsr-4224	399	52	time	time	NOUN
fsr-4224	399	53	figuring	figure	VERB
fsr-4224	399	54	out	out	ADP
fsr-4224	399	55	a	a	DET
fsr-4224	399	56	solution	solution	NOUN
fsr-4224	399	57	0.77	0.77	NUM
fsr-4224	400	1	i	i	PRON
fsr-4224	400	2	lack	lack	VERB
fsr-4224	400	3	confidence	confidence	NOUN
fsr-4224	400	4	in	in	ADP
fsr-4224	400	5	my	my	PRON
fsr-4224	400	6	ability	ability	NOUN
fsr-4224	400	7	to	to	PART
fsr-4224	400	8	manage	manage	VERB
fsr-4224	400	9	my	my	PRON
fsr-4224	400	10	finances	finance	NOUN
fsr-4224	400	11	0.80	0.80	NUM
fsr-4224	400	12	i	i	PRON
fsr-4224	400	13	worry	worry	VERB
fsr-4224	400	14	about	about	ADP
fsr-4224	400	15	running	run	VERB
fsr-4224	400	16	out	out	ADP
fsr-4224	400	17	of	of	ADP
fsr-4224	400	18	money	money	NOUN
fsr-4224	400	19	in	in	ADP
fsr-4224	400	20	future	future	NOUN
fsr-4224	400	21	(	(	PUNCT
fsr-4224	400	22	suppose	suppose	VERB
fsr-4224	400	23	ten	ten	NUM
fsr-4224	400	24	years	year	NOUN
fsr-4224	400	25	from	from	ADP
fsr-4224	400	26	now	now	ADV
fsr-4224	400	27	)	)	PUNCT
fsr-4224	400	28	0.62	0.62	NUM
fsr-4224	400	29	financial	financial	ADJ
fsr-4224	400	30	attitudes	attitude	NOUN
fsr-4224	400	31	i	i	PRON
fsr-4224	400	32	feel	feel	VERB
fsr-4224	400	33	in	in	ADP
fsr-4224	400	34	control	control	NOUN
fsr-4224	400	35	of	of	ADP
fsr-4224	400	36	my	my	PRON
fsr-4224	400	37	financial	financial	ADJ
fsr-4224	400	38	situation	situation	NOUN
fsr-4224	400	39	0.83	0.83	NUM
fsr-4224	400	40	i	i	PRON
fsr-4224	400	41	feel	feel	VERB
fsr-4224	400	42	capable	capable	ADJ
fsr-4224	400	43	of	of	ADP
fsr-4224	400	44	using	use	VERB
fsr-4224	400	45	my	my	PRON
fsr-4224	400	46	future	future	ADJ
fsr-4224	400	47	income	income	NOUN
fsr-4224	400	48	to	to	PART
fsr-4224	400	49	achieve	achieve	VERB
fsr-4224	400	50	my	my	PRON
fsr-4224	400	51	financial	financial	ADJ
fsr-4224	400	52	goals	goal	NOUN
fsr-4224	400	53	0.82	0.82	NUM
fsr-4224	400	54	i	i	PRON
fsr-4224	400	55	feel	feel	VERB
fsr-4224	400	56	putting	put	VERB
fsr-4224	400	57	away	away	ADP
fsr-4224	400	58	money	money	NOUN
fsr-4224	400	59	each	each	DET
fsr-4224	400	60	month	month	NOUN
fsr-4224	400	61	for	for	ADP
fsr-4224	400	62	savings	saving	NOUN
fsr-4224	400	63	or	or	CCONJ
fsr-4224	400	64	investments	investment	NOUN
fsr-4224	400	65	is	be	AUX
fsr-4224	400	66	important	important	ADJ
fsr-4224	400	67	0.62	0.62	NUM
fsr-4224	400	68	family	family	NOUN
fsr-4224	400	69	financial	financial	ADJ
fsr-4224	400	70	socialization	socialization	NOUN
fsr-4224	400	71	discussed	discuss	VERB
fsr-4224	400	72	family	family	NOUN
fsr-4224	400	73	financial	financial	ADJ
fsr-4224	400	74	matters	matter	NOUN
fsr-4224	400	75	with	with	ADP
fsr-4224	400	76	me	i	PRON
fsr-4224	400	77	0.57	0.57	NUM
fsr-4224	400	78	spoke	speak	VERB
fsr-4224	400	79	to	to	ADP
fsr-4224	400	80	me	i	PRON
fsr-4224	400	81	about	about	ADP
fsr-4224	400	82	the	the	DET
fsr-4224	400	83	importance	importance	NOUN
fsr-4224	400	84	of	of	ADP
fsr-4224	400	85	saving	save	VERB
fsr-4224	400	86	0.80	0.80	NUM
fsr-4224	400	87	taught	teach	VERB
fsr-4224	400	88	me	i	PRON
fsr-4224	400	89	how	how	SCONJ
fsr-4224	400	90	to	to	PART
fsr-4224	400	91	be	be	AUX
fsr-4224	400	92	a	a	DET
fsr-4224	400	93	smart	smart	ADJ
fsr-4224	400	94	shopper	shopper	NOUN
fsr-4224	400	95	0.80	0.80	NUM
fsr-4224	400	96	taught	teach	VERB
fsr-4224	400	97	me	i	PRON
fsr-4224	400	98	that	that	SCONJ
fsr-4224	400	99	my	my	PRON
fsr-4224	400	100	actions	action	NOUN
fsr-4224	400	101	determine	determine	VERB
fsr-4224	400	102	my	my	PRON
fsr-4224	400	103	success	success	NOUN
fsr-4224	400	104	in	in	ADP
fsr-4224	400	105	life	life	NOUN
fsr-4224	400	106	0.73	0.73	NUM
fsr-4224	400	107	peer	peer	NOUN
fsr-4224	400	108	influence	influence	NOUN
fsr-4224	400	109	i	i	PRON
fsr-4224	400	110	am	be	AUX
fsr-4224	400	111	more	more	ADV
fsr-4224	400	112	likely	likely	ADJ
fsr-4224	400	113	to	to	PART
fsr-4224	400	114	save	save	VERB
fsr-4224	400	115	money	money	NOUN
fsr-4224	400	116	if	if	SCONJ
fsr-4224	400	117	i	i	PRON
fsr-4224	400	118	know	know	VERB
fsr-4224	400	119	my	my	PRON
fsr-4224	400	120	friends	friend	NOUN
fsr-4224	400	121	are	be	AUX
fsr-4224	400	122	doing	do	VERB
fsr-4224	400	123	the	the	DET
fsr-4224	400	124	same	same	ADJ
fsr-4224	400	125	0.55	0.55	NUM
fsr-4224	400	126	recommendations	recommendation	NOUN
fsr-4224	400	127	from	from	ADP
fsr-4224	400	128	friends	friend	NOUN
fsr-4224	400	129	influence	influence	VERB
fsr-4224	400	130	my	my	PRON
fsr-4224	400	131	investment	investment	NOUN
fsr-4224	400	132	choices	choice	NOUN
fsr-4224	400	133	0.72	0.72	NUM
fsr-4224	401	1	i	i	PRON
fsr-4224	401	2	feel	feel	VERB
fsr-4224	401	3	pressured	pressured	ADJ
fsr-4224	401	4	to	to	PART
fsr-4224	401	5	maintain	maintain	VERB
fsr-4224	401	6	a	a	DET
fsr-4224	401	7	lifestyle	lifestyle	NOUN
fsr-4224	401	8	similar	similar	ADJ
fsr-4224	401	9	to	to	ADP
fsr-4224	401	10	my	my	PRON
fsr-4224	401	11	peers	peer	NOUN
fsr-4224	401	12	,	,	PUNCT
fsr-4224	401	13	affecting	affect	VERB
fsr-4224	401	14	my	my	PRON
fsr-4224	401	15	spending	spending	NOUN
fsr-4224	401	16	habits	habit	NOUN
fsr-4224	401	17	0.66	0.66	NUM
fsr-4224	402	1	i	i	PRON
fsr-4224	402	2	consult	consult	VERB
fsr-4224	402	3	my	my	PRON
fsr-4224	402	4	friends	friend	NOUN
fsr-4224	402	5	before	before	ADP
fsr-4224	402	6	making	make	VERB
fsr-4224	402	7	significant	significant	ADJ
fsr-4224	402	8	financial	financial	ADJ
fsr-4224	402	9	decisions	decision	NOUN
fsr-4224	402	10	0.81	0.81	NUM
fsr-4224	402	11	i	i	PRON
fsr-4224	402	12	am	be	AUX
fsr-4224	402	13	influenced	influence	VERB
fsr-4224	402	14	by	by	ADP
fsr-4224	402	15	my	my	PRON
fsr-4224	402	16	peers	peer	NOUN
fsr-4224	402	17	when	when	SCONJ
fsr-4224	402	18	deciding	decide	VERB
fsr-4224	402	19	to	to	PART
fsr-4224	402	20	purchase	purchase	VERB
fsr-4224	402	21	high	high	ADJ
fsr-4224	402	22	-	-	PUNCT
fsr-4224	402	23	value	value	NOUN
fsr-4224	402	24	items	item	NOUN
fsr-4224	402	25	0.86	0.86	NUM
fsr-4224	402	26	peer	peer	NOUN
fsr-4224	402	27	discussions	discussion	NOUN
fsr-4224	402	28	have	have	AUX
fsr-4224	402	29	influenced	influence	VERB
fsr-4224	402	30	my	my	PRON
fsr-4224	402	31	attitude	attitude	NOUN
fsr-4224	402	32	towards	towards	ADP
fsr-4224	402	33	taking	take	VERB
fsr-4224	402	34	loans	loan	NOUN
fsr-4224	402	35	0.70	0.70	NUM
fsr-4224	402	36	appendix	appendix	NOUN
fsr-4224	402	37	1	1	NUM
fsr-4224	402	38	continued	continue	VERB
fsr-4224	402	39	on	on	ADP
fsr-4224	402	40	next	next	ADJ
fsr-4224	402	41	page	page	NOUN
fsr-4224	402	42	.	.	PUNCT
fsr-4224	403	1	financial	financial	ADJ
fsr-4224	403	2	services	service	NOUN
fsr-4224	403	3	review	review	NOUN
fsr-4224	403	4	,	,	PUNCT
fsr-4224	403	5	33(4	33(4	NUM
fsr-4224	403	6	)	)	PUNCT
fsr-4224	403	7	184	184	NUM
fsr-4224	403	8	appendix	appendix	NOUN
fsr-4224	403	9	1	1	NUM
fsr-4224	403	10	continued	continue	VERB
fsr-4224	403	11	.	.	PUNCT
fsr-4224	404	1	subjective	subjective	ADJ
fsr-4224	404	2	financial	financial	ADJ
fsr-4224	404	3	knowledge	knowledge	NOUN
fsr-4224	404	4	i	i	PRON
fsr-4224	404	5	am	be	AUX
fsr-4224	404	6	confident	confident	ADJ
fsr-4224	404	7	in	in	ADP
fsr-4224	404	8	my	my	PRON
fsr-4224	404	9	ability	ability	NOUN
fsr-4224	404	10	to	to	PART
fsr-4224	404	11	create	create	VERB
fsr-4224	404	12	a	a	DET
fsr-4224	404	13	personal	personal	ADJ
fsr-4224	404	14	budget	budget	NOUN
fsr-4224	404	15	that	that	PRON
fsr-4224	404	16	reflects	reflect	VERB
fsr-4224	404	17	my	my	PRON
fsr-4224	404	18	financial	financial	ADJ
fsr-4224	404	19	goals	goal	NOUN
fsr-4224	404	20	0.72	0.72	NUM
fsr-4224	404	21	i	i	PRON
fsr-4224	404	22	understand	understand	VERB
fsr-4224	404	23	how	how	SCONJ
fsr-4224	404	24	credit	credit	NOUN
fsr-4224	404	25	cards	card	NOUN
fsr-4224	404	26	work	work	VERB
fsr-4224	404	27	0.71	0.71	NUM
fsr-4224	405	1	i	i	PRON
fsr-4224	405	2	understand	understand	VERB
fsr-4224	405	3	the	the	DET
fsr-4224	405	4	basic	basic	ADJ
fsr-4224	405	5	principles	principle	NOUN
fsr-4224	405	6	of	of	ADP
fsr-4224	405	7	investing	invest	VERB
fsr-4224	405	8	in	in	ADP
fsr-4224	405	9	the	the	DET
fsr-4224	405	10	stock	stock	NOUN
fsr-4224	405	11	market	market	NOUN
fsr-4224	405	12	0.76	0.76	NUM
fsr-4224	406	1	i	i	PRON
fsr-4224	406	2	am	be	AUX
fsr-4224	406	3	familiar	familiar	ADJ
fsr-4224	406	4	with	with	ADP
fsr-4224	406	5	the	the	DET
fsr-4224	406	6	terms	term	NOUN
fsr-4224	406	7	and	and	CCONJ
fsr-4224	406	8	conditions	condition	NOUN
fsr-4224	406	9	of	of	ADP
fsr-4224	406	10	my	my	PRON
fsr-4224	406	11	mortgage	mortgage	NOUN
fsr-4224	406	12	(	(	PUNCT
fsr-4224	406	13	or	or	CCONJ
fsr-4224	406	14	loan	loan	NOUN
fsr-4224	406	15	)	)	PUNCT
fsr-4224	406	16	0.63	0.63	NUM
fsr-4224	407	1	i	i	PRON
fsr-4224	407	2	know	know	VERB
fsr-4224	407	3	how	how	SCONJ
fsr-4224	407	4	to	to	PART
fsr-4224	407	5	protect	protect	VERB
fsr-4224	407	6	myself	myself	PRON
fsr-4224	407	7	against	against	ADP
fsr-4224	407	8	financial	financial	ADJ
fsr-4224	407	9	fraud	fraud	NOUN
fsr-4224	407	10	0.71	0.71	NUM
fsr-4224	408	1	i	i	PRON
fsr-4224	408	2	am	be	AUX
fsr-4224	408	3	capable	capable	ADJ
fsr-4224	408	4	of	of	ADP
fsr-4224	408	5	assessing	assess	VERB
fsr-4224	408	6	the	the	DET
fsr-4224	408	7	risks	risk	NOUN
fsr-4224	408	8	and	and	CCONJ
fsr-4224	408	9	returns	return	NOUN
fsr-4224	408	10	associated	associate	VERB
fsr-4224	408	11	with	with	ADP
fsr-4224	408	12	different	different	ADJ
fsr-4224	408	13	investment	investment	NOUN
fsr-4224	408	14	options	option	NOUN
fsr-4224	408	15	0.76	0.76	NUM
fsr-4224	408	16	i	i	PRON
fsr-4224	408	17	understand	understand	VERB
fsr-4224	408	18	how	how	SCONJ
fsr-4224	408	19	interest	interest	NOUN
fsr-4224	408	20	rates	rate	NOUN
fsr-4224	408	21	affect	affect	VERB
fsr-4224	408	22	savings	saving	NOUN
fsr-4224	408	23	and	and	CCONJ
fsr-4224	408	24	borrowing	borrow	VERB
fsr-4224	408	25	0.76	0.76	NUM
fsr-4224	408	26	i	i	PRON
fsr-4224	408	27	can	can	AUX
fsr-4224	408	28	explain	explain	VERB
fsr-4224	408	29	the	the	DET
fsr-4224	408	30	benefits	benefit	NOUN
fsr-4224	408	31	and	and	CCONJ
fsr-4224	408	32	drawbacks	drawback	NOUN
fsr-4224	408	33	of	of	ADP
fsr-4224	408	34	different	different	ADJ
fsr-4224	408	35	types	type	NOUN
fsr-4224	408	36	of	of	ADP
fsr-4224	408	37	insurance	insurance	NOUN
fsr-4224	408	38	policies	policy	NOUN
fsr-4224	409	1	0.74	0.74	NUM
fsr-4224	409	2	ahamed	ahamed	PROPN
fsr-4224	409	3	et	et	PROPN
fsr-4224	409	4	al	al	PROPN
fsr-4224	409	5	.	.	PROPN
fsr-4224	409	6	185	185	NUM
fsr-4224	409	7	references	reference	NOUN
fsr-4224	409	8	aboagye	aboagye	NOUN
fsr-4224	409	9	,	,	PUNCT
fsr-4224	409	10	j.	j.	PROPN
fsr-4224	409	11	,	,	PUNCT
fsr-4224	409	12	&	&	CCONJ
fsr-4224	409	13	jung	jung	PROPN
fsr-4224	409	14	,	,	PUNCT
fsr-4224	409	15	j.	j.	PROPN
fsr-4224	409	16	y.	y.	PROPN
fsr-4224	409	17	(	(	PUNCT
fsr-4224	409	18	2018	2018	NUM
fsr-4224	409	19	)	)	PUNCT
fsr-4224	409	20	.	.	PUNCT
fsr-4224	410	1	debt	debt	NOUN
fsr-4224	410	2	holding	holding	NOUN
fsr-4224	410	3	,	,	PUNCT
fsr-4224	410	4	financial	financial	ADJ
fsr-4224	410	5	behavior	behavior	NOUN
fsr-4224	410	6	,	,	PUNCT
fsr-4224	410	7	and	and	CCONJ
fsr-4224	410	8	financial	financial	ADJ
fsr-4224	410	9	satisfaction	satisfaction	NOUN
fsr-4224	410	10	.	.	PUNCT
fsr-4224	411	1	journal	journal	NOUN
fsr-4224	411	2	of	of	ADP
fsr-4224	411	3	financial	financial	ADJ
fsr-4224	411	4	counseling	counseling	NOUN
fsr-4224	411	5	and	and	CCONJ
fsr-4224	411	6	planning	planning	NOUN
fsr-4224	411	7	,	,	PUNCT
fsr-4224	411	8	29(2	29(2	NUM
fsr-4224	411	9	)	)	PUNCT
fsr-4224	411	10	,	,	PUNCT
fsr-4224	411	11	208	208	NUM
fsr-4224	411	12	–	–	PUNCT
fsr-4224	411	13	217	217	NUM
fsr-4224	411	14	.	.	PUNCT
fsr-4224	412	1	https://doi.org/10.1891/10523073.29.2.208	https://doi.org/10.1891/10523073.29.2.208	NOUN
fsr-4224	412	2	ahamed	ahamed	PROPN
fsr-4224	412	3	,	,	PUNCT
fsr-4224	412	4	a.	a.	PROPN
fsr-4224	412	5	f.	f.	PROPN
fsr-4224	412	6	m.	m.	PROPN
fsr-4224	412	7	j.	j.	PROPN
fsr-4224	412	8	,	,	PUNCT
fsr-4224	412	9	jakubowska	jakubowska	PROPN
fsr-4224	412	10	,	,	PUNCT
fsr-4224	412	11	d.	d.	PROPN
fsr-4224	412	12	,	,	PUNCT
fsr-4224	412	13	&	&	CCONJ
fsr-4224	412	14	sadílek	sadílek	PROPN
fsr-4224	412	15	,	,	PUNCT
fsr-4224	412	16	t.	t.	PROPN
fsr-4224	412	17	(	(	PUNCT
fsr-4224	412	18	2024	2024	NUM
fsr-4224	412	19	)	)	PUNCT
fsr-4224	412	20	.	.	PUNCT
fsr-4224	413	1	financial	financial	ADJ
fsr-4224	413	2	anxiety	anxiety	NOUN
fsr-4224	413	3	of	of	ADP
fsr-4224	413	4	university	university	NOUN
fsr-4224	413	5	students	student	NOUN
fsr-4224	413	6	in	in	ADP
fsr-4224	413	7	poland	poland	PROPN
fsr-4224	413	8	and	and	CCONJ
fsr-4224	413	9	czechia	czechia	PROPN
fsr-4224	413	10	:	:	PUNCT
fsr-4224	413	11	fsqca	fsqca	NOUN
fsr-4224	413	12	analysis	analysis	NOUN
fsr-4224	413	13	.	.	PUNCT
fsr-4224	414	1	international	international	ADJ
fsr-4224	414	2	journal	journal	NOUN
fsr-4224	414	3	of	of	ADP
fsr-4224	414	4	bank	bank	PROPN
fsr-4224	414	5	marketing	marketing	NOUN
fsr-4224	414	6	.	.	PUNCT
fsr-4224	415	1	https://doi.org/10.1108/ijbm-04-20240229	https://doi.org/10.1108/ijbm-04-20240229	PROPN
fsr-4224	415	2	ahamed	ahamed	PROPN
fsr-4224	415	3	,	,	PUNCT
fsr-4224	415	4	a.	a.	PROPN
fsr-4224	415	5	f.	f.	PROPN
fsr-4224	415	6	m.	m.	PROPN
fsr-4224	415	7	j.	j.	PROPN
fsr-4224	415	8	(	(	PUNCT
fsr-4224	415	9	2024	2024	NUM
fsr-4224	415	10	)	)	PUNCT
fsr-4224	415	11	.	.	PUNCT
fsr-4224	416	1	the	the	DET
fsr-4224	416	2	pursuit	pursuit	NOUN
fsr-4224	416	3	of	of	ADP
fsr-4224	416	4	subjective	subjective	ADJ
fsr-4224	416	5	well	well	ADV
fsr-4224	416	6	-	-	PUNCT
fsr-4224	416	7	being	be	AUX
fsr-4224	416	8	through	through	ADP
fsr-4224	416	9	financial	financial	ADJ
fsr-4224	416	10	well	well	NOUN
fsr-4224	416	11	-	-	PUNCT
fsr-4224	416	12	being	being	NOUN
fsr-4224	416	13	,	,	PUNCT
fsr-4224	416	14	relationship	relationship	NOUN
fsr-4224	416	15	quality	quality	NOUN
fsr-4224	416	16	,	,	PUNCT
fsr-4224	416	17	and	and	CCONJ
fsr-4224	416	18	spiritual	spiritual	ADJ
fsr-4224	416	19	well	well	ADV
fsr-4224	416	20	-	-	PUNCT
fsr-4224	416	21	being	being	NOUN
fsr-4224	416	22	:	:	PUNCT
fsr-4224	416	23	a	a	DET
fsr-4224	416	24	configuration	configuration	NOUN
fsr-4224	416	25	approach	approach	NOUN
fsr-4224	416	26	with	with	ADP
fsr-4224	416	27	fuzzy	fuzzy	ADJ
fsr-4224	416	28	-	-	PUNCT
fsr-4224	416	29	set	set	VERB
fsr-4224	416	30	qualitative	qualitative	ADJ
fsr-4224	416	31	comparative	comparative	ADJ
fsr-4224	416	32	analysis	analysis	NOUN
fsr-4224	416	33	(	(	PUNCT
fsr-4224	416	34	fsqca	fsqca	NOUN
fsr-4224	416	35	)	)	PUNCT
fsr-4224	416	36	.	.	PUNCT
fsr-4224	417	1	journal	journal	PROPN
fsr-4224	417	2	of	of	ADP
fsr-4224	417	3	family	family	NOUN
fsr-4224	417	4	and	and	CCONJ
fsr-4224	417	5	economic	economic	ADJ
fsr-4224	417	6	issues	issue	NOUN
fsr-4224	417	7	,	,	PUNCT
fsr-4224	417	8	1–18	1–18	NUM
fsr-4224	417	9	.	.	PUNCT
fsr-4224	418	1	https://doi.org/10.1007/s10834-02409904-7	https://doi.org/10.1007/s10834-02409904-7	PROPN
fsr-4224	418	2	ahamed	ahamed	PROPN
fsr-4224	418	3	,	,	PUNCT
fsr-4224	418	4	a.	a.	PROPN
fsr-4224	418	5	f.	f.	PROPN
fsr-4224	418	6	m.	m.	PROPN
fsr-4224	418	7	j.	j.	PROPN
fsr-4224	418	8	,	,	PUNCT
fsr-4224	418	9	&	&	CCONJ
fsr-4224	418	10	limbu	limbu	PROPN
fsr-4224	418	11	,	,	PUNCT
fsr-4224	418	12	y.	y.	PROPN
fsr-4224	418	13	b.	b.	PROPN
fsr-4224	419	1	(	(	PUNCT
fsr-4224	419	2	2024	2024	NUM
fsr-4224	419	3	)	)	PUNCT
fsr-4224	419	4	.	.	PUNCT
fsr-4224	420	1	financial	financial	ADJ
fsr-4224	420	2	anxiety	anxiety	NOUN
fsr-4224	420	3	:	:	PUNCT
fsr-4224	420	4	a	a	DET
fsr-4224	420	5	systematic	systematic	ADJ
fsr-4224	420	6	review	review	NOUN
fsr-4224	420	7	.	.	PUNCT
fsr-4224	421	1	international	international	ADJ
fsr-4224	421	2	journal	journal	PROPN
fsr-4224	421	3	of	of	ADP
fsr-4224	421	4	bank	bank	PROPN
fsr-4224	421	5	marketing	marketing	NOUN
fsr-4224	421	6	.	.	PUNCT
fsr-4224	422	1	advance	advance	VERB
fsr-4224	422	2	online	online	ADJ
fsr-4224	422	3	publication	publication	NOUN
fsr-4224	422	4	.	.	PUNCT
fsr-4224	423	1	https://doi.org/10.1108/ijbm-01-20240021	https://doi.org/10.1108/ijbm-01-20240021	NOUN
fsr-4224	423	2	ahamed	ahamed	PROPN
fsr-4224	423	3	,	,	PUNCT
fsr-4224	423	4	a.	a.	PROPN
fsr-4224	423	5	f.	f.	PROPN
fsr-4224	423	6	m.	m.	PROPN
fsr-4224	423	7	j.	j.	PROPN
fsr-4224	423	8	,	,	PUNCT
fsr-4224	423	9	&	&	CCONJ
fsr-4224	423	10	limbu	limbu	PROPN
fsr-4224	423	11	,	,	PUNCT
fsr-4224	423	12	y.	y.	PROPN
fsr-4224	423	13	b.	b.	PROPN
fsr-4224	424	1	(	(	PUNCT
fsr-4224	424	2	2024	2024	NUM
fsr-4224	424	3	)	)	PUNCT
fsr-4224	424	4	.	.	PUNCT
fsr-4224	425	1	role	role	NOUN
fsr-4224	425	2	of	of	ADP
fsr-4224	425	3	social	social	ADJ
fsr-4224	425	4	comparison	comparison	NOUN
fsr-4224	425	5	orientation	orientation	NOUN
fsr-4224	425	6	on	on	ADP
fsr-4224	425	7	financial	financial	ADJ
fsr-4224	425	8	management	management	NOUN
fsr-4224	425	9	behavior	behavior	NOUN
fsr-4224	425	10	in	in	ADP
fsr-4224	425	11	a	a	DET
fsr-4224	425	12	developing	develop	VERB
fsr-4224	425	13	nation	nation	NOUN
fsr-4224	425	14	:	:	PUNCT
fsr-4224	425	15	examining	examine	VERB
fsr-4224	425	16	the	the	DET
fsr-4224	425	17	mediating	mediate	VERB
fsr-4224	425	18	role	role	NOUN
fsr-4224	425	19	of	of	ADP
fsr-4224	425	20	financial	financial	ADJ
fsr-4224	425	21	self	self	NOUN
fsr-4224	425	22	-	-	PUNCT
fsr-4224	425	23	efficacy	efficacy	NOUN
fsr-4224	425	24	and	and	CCONJ
fsr-4224	425	25	the	the	DET
fsr-4224	425	26	moderating	moderate	VERB
fsr-4224	425	27	effect	effect	NOUN
fsr-4224	425	28	of	of	ADP
fsr-4224	425	29	financial	financial	ADJ
fsr-4224	425	30	socialization	socialization	NOUN
fsr-4224	425	31	.	.	PUNCT
fsr-4224	426	1	the	the	DET
fsr-4224	426	2	bottom	bottom	ADJ
fsr-4224	426	3	line	line	NOUN
fsr-4224	426	4	.	.	PUNCT
fsr-4224	427	1	advance	advance	VERB
fsr-4224	427	2	online	online	ADJ
fsr-4224	427	3	publication	publication	NOUN
fsr-4224	427	4	.	.	PUNCT
fsr-4224	428	1	https://doi.org/10.1108/bl-12-20230083	https://doi.org/10.1108/bl-12-20230083	X
fsr-4224	428	2	ajzen	ajzen	PROPN
fsr-4224	428	3	,	,	PUNCT
fsr-4224	428	4	i.	i.	NOUN
fsr-4224	428	5	(	(	PUNCT
fsr-4224	428	6	1991	1991	NUM
fsr-4224	428	7	)	)	PUNCT
fsr-4224	428	8	.	.	PUNCT
fsr-4224	429	1	the	the	DET
fsr-4224	429	2	theory	theory	NOUN
fsr-4224	429	3	of	of	ADP
fsr-4224	429	4	planned	plan	VERB
fsr-4224	429	5	behavior	behavior	NOUN
fsr-4224	429	6	.	.	PUNCT
fsr-4224	430	1	organizational	organizational	ADJ
fsr-4224	430	2	behavior	behavior	NOUN
fsr-4224	430	3	and	and	CCONJ
fsr-4224	430	4	human	human	ADJ
fsr-4224	430	5	decision	decision	NOUN
fsr-4224	430	6	processes	process	NOUN
fsr-4224	430	7	,	,	PUNCT
fsr-4224	430	8	50(2	50(2	NUM
fsr-4224	430	9	)	)	PUNCT
fsr-4224	430	10	,	,	PUNCT
fsr-4224	430	11	179–211	179–211	NUM
fsr-4224	430	12	.	.	PUNCT
fsr-4224	431	1	https://doi.org/10.1016/07495978(91)90020-t	https://doi.org/10.1016/07495978(91)90020-t	ADJ
fsr-4224	431	2	algarni	algarni	NOUN
fsr-4224	431	3	,	,	PUNCT
fsr-4224	431	4	m.	m.	NOUN
fsr-4224	431	5	a.	a.	PROPN
fsr-4224	431	6	,	,	PUNCT
fsr-4224	431	7	ali	ali	PROPN
fsr-4224	431	8	,	,	PUNCT
fsr-4224	431	9	m.	m.	NOUN
fsr-4224	431	10	,	,	PUNCT
fsr-4224	431	11	&	&	CCONJ
fsr-4224	431	12	ali	ali	PROPN
fsr-4224	431	13	,	,	PUNCT
fsr-4224	431	14	i.	i.	PROPN
fsr-4224	431	15	(	(	PUNCT
fsr-4224	431	16	2024	2024	NUM
fsr-4224	431	17	)	)	PUNCT
fsr-4224	431	18	.	.	PUNCT
fsr-4224	432	1	the	the	DET
fsr-4224	432	2	role	role	NOUN
fsr-4224	432	3	of	of	ADP
fsr-4224	432	4	financial	financial	ADJ
fsr-4224	432	5	parenting	parenting	NOUN
fsr-4224	432	6	,	,	PUNCT
fsr-4224	432	7	childhood	childhood	ADJ
fsr-4224	432	8	financial	financial	ADJ
fsr-4224	432	9	socialization	socialization	NOUN
fsr-4224	432	10	and	and	CCONJ
fsr-4224	432	11	childhood	childhood	NOUN
fsr-4224	432	12	financial	financial	ADJ
fsr-4224	432	13	experiences	experience	NOUN
fsr-4224	432	14	in	in	ADP
fsr-4224	432	15	developing	develop	VERB
fsr-4224	432	16	financial	financial	ADJ
fsr-4224	432	17	well	well	NOUN
fsr-4224	432	18	-	-	PUNCT
fsr-4224	432	19	being	be	AUX
fsr-4224	432	20	among	among	ADP
fsr-4224	432	21	adolescents	adolescent	NOUN
fsr-4224	432	22	in	in	ADP
fsr-4224	432	23	their	their	PRON
fsr-4224	432	24	later	later	ADJ
fsr-4224	432	25	life	life	NOUN
fsr-4224	432	26	.	.	PUNCT
fsr-4224	433	1	journal	journal	NOUN
fsr-4224	433	2	of	of	ADP
fsr-4224	433	3	economic	economic	ADJ
fsr-4224	433	4	and	and	CCONJ
fsr-4224	433	5	administrative	administrative	ADJ
fsr-4224	433	6	sciences	science	NOUN
fsr-4224	433	7	.	.	PUNCT
fsr-4224	434	1	https://doi.org/10.1108/jeas-01-20240005	https://doi.org/10.1108/jeas-01-20240005	PROPN
fsr-4224	434	2	armitage	armitage	PROPN
fsr-4224	434	3	,	,	PUNCT
fsr-4224	434	4	c.	c.	PROPN
fsr-4224	434	5	j.	j.	PROPN
fsr-4224	434	6	,	,	PUNCT
fsr-4224	434	7	&	&	CCONJ
fsr-4224	434	8	conner	conner	PROPN
fsr-4224	434	9	,	,	PUNCT
fsr-4224	434	10	m.	m.	NOUN
fsr-4224	434	11	(	(	PUNCT
fsr-4224	434	12	2001	2001	NUM
fsr-4224	434	13	)	)	PUNCT
fsr-4224	434	14	.	.	PUNCT
fsr-4224	435	1	efficacy	efficacy	NOUN
fsr-4224	435	2	of	of	ADP
fsr-4224	435	3	the	the	DET
fsr-4224	435	4	theory	theory	NOUN
fsr-4224	435	5	of	of	ADP
fsr-4224	435	6	planned	planned	ADJ
fsr-4224	435	7	behaviour	behaviour	NOUN
fsr-4224	435	8	:	:	PUNCT
fsr-4224	435	9	a	a	DET
fsr-4224	435	10	meta‐analytic	meta‐analytic	ADJ
fsr-4224	435	11	review	review	NOUN
fsr-4224	435	12	.	.	PUNCT
fsr-4224	436	1	british	british	ADJ
fsr-4224	436	2	journal	journal	PROPN
fsr-4224	436	3	of	of	ADP
fsr-4224	436	4	social	social	ADJ
fsr-4224	436	5	psychology	psychology	NOUN
fsr-4224	436	6	,	,	PUNCT
fsr-4224	436	7	40(4	40(4	NUM
fsr-4224	436	8	)	)	PUNCT
fsr-4224	436	9	,	,	PUNCT
fsr-4224	436	10	471–499	471–499	NUM
fsr-4224	436	11	.	.	PUNCT
fsr-4224	437	1	https://doi.org/10.1348/014466601164	https://doi.org/10.1348/014466601164	PROPN
fsr-4224	437	2	939	939	NUM
fsr-4224	437	3	bašić	bašić	PROPN
fsr-4224	437	4	,	,	PUNCT
fsr-4224	437	5	z.	z.	PROPN
fsr-4224	437	6	,	,	PUNCT
fsr-4224	437	7	&	&	CCONJ
fsr-4224	437	8	verrina	verrina	PROPN
fsr-4224	437	9	,	,	PUNCT
fsr-4224	437	10	e.	e.	PROPN
fsr-4224	437	11	(	(	PUNCT
fsr-4224	437	12	2023	2023	NUM
fsr-4224	437	13	)	)	PUNCT
fsr-4224	437	14	.	.	PUNCT
fsr-4224	438	1	personal	personal	ADJ
fsr-4224	438	2	norms	norm	NOUN
fsr-4224	438	3	—	—	PUNCT
fsr-4224	438	4	and	and	CCONJ
fsr-4224	438	5	not	not	PART
fsr-4224	438	6	only	only	ADV
fsr-4224	438	7	social	social	ADJ
fsr-4224	438	8	norms	norm	NOUN
fsr-4224	438	9	—	—	PUNCT
fsr-4224	438	10	shape	shape	VERB
fsr-4224	438	11	economic	economic	ADJ
fsr-4224	438	12	behavior	behavior	NOUN
fsr-4224	438	13	.	.	PUNCT
fsr-4224	439	1	mpi	mpi	ADJ
fsr-4224	439	2	collective	collective	ADJ
fsr-4224	439	3	goods	good	NOUN
fsr-4224	439	4	discussion	discussion	NOUN
fsr-4224	439	5	paper	paper	NOUN
fsr-4224	439	6	,	,	PUNCT
fsr-4224	439	7	2020/25	2020/25	NUM
fsr-4224	439	8	.	.	PUNCT
fsr-4224	440	1	https://dx.doi.org/10.2139/ssrn.373158	https://dx.doi.org/10.2139/ssrn.373158	PUNCT
fsr-4224	440	2	2	2	NUM
fsr-4224	440	3	bicchieri	bicchieri	NOUN
fsr-4224	440	4	,	,	PUNCT
fsr-4224	440	5	c.	c.	PROPN
fsr-4224	440	6	,	,	PUNCT
fsr-4224	440	7	muldoon	muldoon	PROPN
fsr-4224	440	8	,	,	PUNCT
fsr-4224	440	9	r.	r.	PROPN
fsr-4224	440	10	,	,	PUNCT
fsr-4224	440	11	&	&	CCONJ
fsr-4224	440	12	sontuoso	sontuoso	NOUN
fsr-4224	440	13	,	,	PUNCT
fsr-4224	440	14	a.	a.	NOUN
fsr-4224	440	15	(	(	PUNCT
fsr-4224	440	16	2018	2018	NUM
fsr-4224	440	17	)	)	PUNCT
fsr-4224	440	18	.	.	PUNCT
fsr-4224	441	1	social	social	ADJ
fsr-4224	441	2	norms	norm	NOUN
fsr-4224	441	3	.	.	PUNCT
fsr-4224	442	1	in	in	ADP
fsr-4224	442	2	e.	e.	PROPN
fsr-4224	442	3	n.	n.	PROPN
fsr-4224	442	4	zalta	zalta	PROPN
fsr-4224	442	5	(	(	PUNCT
fsr-4224	442	6	ed	ed	NOUN
fsr-4224	442	7	.	.	PUNCT
fsr-4224	442	8	)	)	PUNCT
fsr-4224	442	9	,	,	PUNCT
fsr-4224	442	10	the	the	DET
fsr-4224	442	11	stanford	stanford	PROPN
fsr-4224	442	12	encyclopedia	encyclopedia	NOUN
fsr-4224	442	13	of	of	ADP
fsr-4224	442	14	philosophy	philosophy	NOUN
fsr-4224	442	15	(	(	PUNCT
fsr-4224	442	16	fall	fall	NOUN
fsr-4224	442	17	2018	2018	NUM
fsr-4224	442	18	edition	edition	NOUN
fsr-4224	442	19	)	)	PUNCT
fsr-4224	442	20	.	.	PUNCT
fsr-4224	443	1	https://plato.stanford.edu/archives/fall2	https://plato.stanford.edu/archives/fall2	NOUN
fsr-4224	443	2	018	018	NOUN
fsr-4224	443	3	/	/	SYM
fsr-4224	443	4	entries	entry	NOUN
fsr-4224	443	5	/	/	SYM
fsr-4224	443	6	social	social	ADJ
fsr-4224	443	7	-	-	PUNCT
fsr-4224	443	8	norms/	norms/	NUM
fsr-4224	443	9	bień	bień	NOUN
fsr-4224	443	10	,	,	PUNCT
fsr-4224	443	11	a.	a.	PROPN
fsr-4224	443	12	,	,	PUNCT
fsr-4224	443	13	&	&	CCONJ
fsr-4224	443	14	gębski	gębski	PROPN
fsr-4224	443	15	,	,	PUNCT
fsr-4224	443	16	ł	ł	PROPN
fsr-4224	443	17	.	.	PROPN
fsr-4224	443	18	(	(	PUNCT
fsr-4224	443	19	2024	2024	NUM
fsr-4224	443	20	)	)	PUNCT
fsr-4224	443	21	.	.	PUNCT
fsr-4224	444	1	consumers	consumer	NOUN
fsr-4224	444	2	’	’	PART
fsr-4224	444	3	financial	financial	ADJ
fsr-4224	444	4	literacy	literacy	NOUN
fsr-4224	444	5	in	in	ADP
fsr-4224	444	6	poland	poland	PROPN
fsr-4224	444	7	–	–	PUNCT
fsr-4224	444	8	the	the	DET
fsr-4224	444	9	research	research	NOUN
fsr-4224	444	10	and	and	CCONJ
fsr-4224	444	11	the	the	DET
fsr-4224	444	12	resulting	result	VERB
fsr-4224	444	13	conclusions	conclusion	NOUN
fsr-4224	444	14	.	.	PUNCT
fsr-4224	445	1	journal	journal	NOUN
fsr-4224	445	2	of	of	ADP
fsr-4224	445	3	banking	banking	NOUN
fsr-4224	445	4	and	and	CCONJ
fsr-4224	445	5	financial	financial	ADJ
fsr-4224	445	6	economics	economic	NOUN
fsr-4224	445	7	,	,	PUNCT
fsr-4224	445	8	1(21	1(21	NUM
fsr-4224	445	9	)	)	PUNCT
fsr-4224	445	10	,	,	PUNCT
fsr-4224	445	11	1–11	1–11	PROPN
fsr-4224	445	12	.	.	PUNCT
fsr-4224	446	1	https://doi.org/10.7172/23536845.jbfe.2024.1.1	https://doi.org/10.7172/23536845.jbfe.2024.1.1	PROPN
fsr-4224	446	2	castro	castro	PROPN
fsr-4224	446	3	-	-	PUNCT
fsr-4224	446	4	gonzález	gonzález	PROPN
fsr-4224	446	5	,	,	PUNCT
fsr-4224	446	6	s.	s.	PROPN
fsr-4224	446	7	,	,	PUNCT
fsr-4224	446	8	fernández	fernández	PROPN
fsr-4224	446	9	-	-	PUNCT
fsr-4224	446	10	lópez	lópez	PROPN
fsr-4224	446	11	,	,	PUNCT
fsr-4224	446	12	s.	s.	PROPN
fsr-4224	446	13	,	,	PUNCT
fsr-4224	446	14	rey	rey	PROPN
fsr-4224	446	15	-	-	PUNCT
fsr-4224	446	16	ares	ares	PROPN
fsr-4224	446	17	,	,	PUNCT
fsr-4224	446	18	l.	l.	PROPN
fsr-4224	446	19	,	,	PUNCT
fsr-4224	446	20	&	&	CCONJ
fsr-4224	446	21	rodeiro	rodeiro	NOUN
fsr-4224	446	22	-	-	PUNCT
fsr-4224	446	23	pazos	pazos	PROPN
fsr-4224	446	24	,	,	PUNCT
fsr-4224	446	25	d.	d.	PROPN
fsr-4224	446	26	(	(	PUNCT
fsr-4224	446	27	2020	2020	NUM
fsr-4224	446	28	)	)	PUNCT
fsr-4224	446	29	.	.	PUNCT
fsr-4224	447	1	the	the	DET
fsr-4224	447	2	influence	influence	NOUN
fsr-4224	447	3	of	of	ADP
fsr-4224	447	4	attitude	attitude	NOUN
fsr-4224	447	5	to	to	ADP
fsr-4224	447	6	money	money	NOUN
fsr-4224	447	7	on	on	ADP
fsr-4224	447	8	individuals	individual	NOUN
fsr-4224	447	9	’	'	PUNCT
fsr-4224	447	10	financial	financial	ADJ
fsr-4224	447	11	wellbeing	wellbeing	NOUN
fsr-4224	447	12	.	.	PUNCT
fsr-4224	448	1	social	social	ADJ
fsr-4224	448	2	indicators	indicator	NOUN
fsr-4224	448	3	research	research	NOUN
fsr-4224	448	4	,	,	PUNCT
fsr-4224	448	5	148(3	148(3	NUM
fsr-4224	448	6	)	)	PUNCT
fsr-4224	448	7	,	,	PUNCT
fsr-4224	448	8	747–764	747–764	NOUN
fsr-4224	448	9	.	.	PUNCT
fsr-4224	449	1	https://doi.org/10.1007/s11205-01902229-w	https://doi.org/10.1007/s11205-01902229-w	PROPN
fsr-4224	449	2	chanda	chanda	PROPN
fsr-4224	449	3	,	,	PUNCT
fsr-4224	449	4	r.	r.	PROPN
fsr-4224	449	5	c.	c.	PROPN
fsr-4224	449	6	,	,	PUNCT
fsr-4224	449	7	vafaei	vafaei	PROPN
fsr-4224	449	8	-	-	PUNCT
fsr-4224	449	9	zadeh	zadeh	PROPN
fsr-4224	449	10	,	,	PUNCT
fsr-4224	449	11	a.	a.	NOUN
fsr-4224	449	12	,	,	PUNCT
fsr-4224	449	13	hanifah	hanifah	PROPN
fsr-4224	449	14	,	,	PUNCT
fsr-4224	449	15	h.	h.	PROPN
fsr-4224	449	16	,	,	PUNCT
fsr-4224	449	17	&	&	CCONJ
fsr-4224	449	18	thurasamy	thurasamy	PROPN
fsr-4224	449	19	,	,	PUNCT
fsr-4224	449	20	r.	r.	PROPN
fsr-4224	449	21	(	(	PUNCT
fsr-4224	449	22	2023	2023	NUM
fsr-4224	449	23	)	)	PUNCT
fsr-4224	449	24	.	.	PUNCT
fsr-4224	450	1	modeling	model	VERB
fsr-4224	450	2	eco	eco	PROPN
fsr-4224	450	3	-	-	PUNCT
fsr-4224	450	4	friendly	friendly	ADJ
fsr-4224	450	5	house	house	NOUN
fsr-4224	450	6	purchasing	purchasing	NOUN
fsr-4224	450	7	intention	intention	NOUN
fsr-4224	450	8	:	:	PUNCT
fsr-4224	450	9	a	a	DET
fsr-4224	450	10	combined	combined	ADJ
fsr-4224	450	11	study	study	NOUN
fsr-4224	450	12	of	of	ADP
fsr-4224	450	13	plssem	plssem	NOUN
fsr-4224	450	14	and	and	CCONJ
fsr-4224	450	15	fsqca	fsqca	NOUN
fsr-4224	450	16	approaches	approach	NOUN
fsr-4224	450	17	.	.	PUNCT
fsr-4224	451	1	international	international	ADJ
fsr-4224	451	2	journal	journal	NOUN
fsr-4224	451	3	of	of	ADP
fsr-4224	451	4	housing	housing	NOUN
fsr-4224	451	5	markets	market	NOUN
fsr-4224	451	6	and	and	CCONJ
fsr-4224	451	7	analysis	analysis	NOUN
fsr-4224	451	8	.	.	PUNCT
fsr-4224	452	1	https://doi.org/10.1108/ijhma-062022-0086	https://doi.org/10.1108/ijhma-062022-0086	PROPN
fsr-4224	452	2	chaouali	chaouali	PROPN
fsr-4224	452	3	,	,	PUNCT
fsr-4224	452	4	w.	w.	PROPN
fsr-4224	452	5	,	,	PUNCT
fsr-4224	452	6	souiden	souiden	NOUN
fsr-4224	452	7	,	,	PUNCT
fsr-4224	452	8	n.	n.	NOUN
fsr-4224	452	9	,	,	PUNCT
fsr-4224	452	10	aloui	aloui	ADV
fsr-4224	452	11	,	,	PUNCT
fsr-4224	452	12	n.	n.	PROPN
fsr-4224	452	13	,	,	PUNCT
fsr-4224	452	14	ben	ben	PROPN
fsr-4224	452	15	dahmane	dahmane	PROPN
fsr-4224	452	16	mouelhi	mouelhi	NOUN
fsr-4224	452	17	,	,	PUNCT
fsr-4224	452	18	n.	n.	NOUN
fsr-4224	452	19	,	,	PUNCT
fsr-4224	452	20	woodside	woodside	PROPN
fsr-4224	452	21	,	,	PUNCT
fsr-4224	452	22	a.	a.	NOUN
fsr-4224	452	23	g.	g.	PROPN
fsr-4224	452	24	,	,	PUNCT
fsr-4224	452	25	&	&	CCONJ
fsr-4224	452	26	ben	ben	PROPN
fsr-4224	452	27	abdelaziz	abdelaziz	PROPN
fsr-4224	452	28	,	,	PUNCT
fsr-4224	452	29	f.	f.	PROPN
fsr-4224	452	30	(	(	PUNCT
fsr-4224	452	31	2024	2024	NUM
fsr-4224	452	32	)	)	PUNCT
fsr-4224	452	33	.	.	PUNCT
fsr-4224	453	1	roles	role	NOUN
fsr-4224	453	2	of	of	ADP
fsr-4224	453	3	barriers	barrier	NOUN
fsr-4224	453	4	and	and	CCONJ
fsr-4224	453	5	gender	gender	NOUN
fsr-4224	453	6	in	in	ADP
fsr-4224	453	7	explaining	explain	VERB
fsr-4224	453	8	consumers	consumer	NOUN
fsr-4224	453	9	'	'	PART
fsr-4224	453	10	chatbot	chatbot	NOUN
fsr-4224	453	11	resistance	resistance	NOUN
fsr-4224	453	12	in	in	ADP
fsr-4224	453	13	banking	banking	NOUN
fsr-4224	453	14	:	:	PUNCT
fsr-4224	453	15	a	a	DET
fsr-4224	453	16	fuzzy	fuzzy	ADJ
fsr-4224	453	17	approach	approach	NOUN
fsr-4224	453	18	.	.	PUNCT
fsr-4224	454	1	international	international	ADJ
fsr-4224	454	2	journal	journal	PROPN
fsr-4224	454	3	of	of	ADP
fsr-4224	454	4	bank	bank	PROPN
fsr-4224	454	5	https://doi.org/10.1108/ijbm-04-2024-0229	https://doi.org/10.1108/ijbm-04-2024-0229	PROPN
fsr-4224	454	6	https://doi.org/10.1108/ijbm-04-2024-0229	https://doi.org/10.1108/ijbm-04-2024-0229	PROPN
fsr-4224	454	7	https://plato.stanford.edu/archives/fall2018/entries/social-norms/	https://plato.stanford.edu/archives/fall2018/entries/social-norms/	PROPN
fsr-4224	454	8	https://plato.stanford.edu/archives/fall2018/entries/social-norms/	https://plato.stanford.edu/archives/fall2018/entries/social-norms/	PROPN
fsr-4224	454	9	financial	financial	PROPN
fsr-4224	454	10	services	services	PROPN
fsr-4224	454	11	review	review	PROPN
fsr-4224	454	12	,	,	PUNCT
fsr-4224	454	13	33(4	33(4	NUM
fsr-4224	454	14	)	)	PUNCT
fsr-4224	454	15	186	186	NUM
fsr-4224	454	16	marketing	marketing	NOUN
fsr-4224	454	17	.	.	PUNCT
fsr-4224	455	1	https://doi.org/10.1108/ijbm-07-20230325	https://doi.org/10.1108/ijbm-07-20230325	PROPN
fsr-4224	455	2	conner	conner	PROPN
fsr-4224	455	3	,	,	PUNCT
fsr-4224	455	4	m.	m.	NOUN
fsr-4224	455	5	,	,	PUNCT
fsr-4224	455	6	&	&	CCONJ
fsr-4224	455	7	armitage	armitage	PROPN
fsr-4224	455	8	,	,	PUNCT
fsr-4224	455	9	c.	c.	PROPN
fsr-4224	455	10	j.	j.	PROPN
fsr-4224	455	11	(	(	PUNCT
fsr-4224	455	12	1998	1998	NUM
fsr-4224	455	13	)	)	PUNCT
fsr-4224	455	14	.	.	PUNCT
fsr-4224	456	1	extending	extend	VERB
fsr-4224	456	2	the	the	DET
fsr-4224	456	3	theory	theory	NOUN
fsr-4224	456	4	of	of	ADP
fsr-4224	456	5	planned	planned	ADJ
fsr-4224	456	6	behavior	behavior	NOUN
fsr-4224	456	7	:	:	PUNCT
fsr-4224	456	8	a	a	DET
fsr-4224	456	9	review	review	NOUN
fsr-4224	456	10	and	and	CCONJ
fsr-4224	456	11	avenues	avenue	NOUN
fsr-4224	456	12	for	for	ADP
fsr-4224	456	13	further	further	ADJ
fsr-4224	456	14	research	research	NOUN
fsr-4224	456	15	.	.	PUNCT
fsr-4224	457	1	journal	journal	NOUN
fsr-4224	457	2	of	of	ADP
fsr-4224	457	3	applied	apply	VERB
fsr-4224	457	4	social	social	ADJ
fsr-4224	457	5	psychology	psychology	NOUN
fsr-4224	457	6	,	,	PUNCT
fsr-4224	457	7	28(15	28(15	NUM
fsr-4224	457	8	)	)	PUNCT
fsr-4224	457	9	,	,	PUNCT
fsr-4224	457	10	1429–1464	1429–1464	NUM
fsr-4224	457	11	.	.	PUNCT
fsr-4224	458	1	https://doi.org/10.1111/j.15591816.1998.tb01685.x	https://doi.org/10.1111/j.15591816.1998.tb01685.x	PROPN
fsr-4224	458	2	curtis	curtis	PROPN
fsr-4224	458	3	,	,	PUNCT
fsr-4224	458	4	t.	t.	PROPN
fsr-4224	458	5	,	,	PUNCT
fsr-4224	458	6	herbst	herbst	PROPN
fsr-4224	458	7	,	,	PUNCT
fsr-4224	458	8	j.	j.	PROPN
fsr-4224	458	9	,	,	PUNCT
fsr-4224	458	10	&	&	CCONJ
fsr-4224	458	11	gumkovska	gumkovska	PROPN
fsr-4224	458	12	,	,	PUNCT
fsr-4224	458	13	m.	m.	NOUN
fsr-4224	458	14	(	(	PUNCT
fsr-4224	458	15	2010	2010	NUM
fsr-4224	458	16	)	)	PUNCT
fsr-4224	458	17	.	.	PUNCT
fsr-4224	459	1	the	the	DET
fsr-4224	459	2	social	social	ADJ
fsr-4224	459	3	economy	economy	NOUN
fsr-4224	459	4	of	of	ADP
fsr-4224	459	5	trust	trust	NOUN
fsr-4224	459	6	:	:	PUNCT
fsr-4224	459	7	social	social	ADJ
fsr-4224	459	8	entrepreneurship	entrepreneurship	NOUN
fsr-4224	459	9	experiences	experience	NOUN
fsr-4224	459	10	in	in	ADP
fsr-4224	459	11	poland	poland	PROPN
fsr-4224	459	12	.	.	PUNCT
fsr-4224	460	1	social	social	ADJ
fsr-4224	460	2	enterprise	enterprise	NOUN
fsr-4224	460	3	journal	journal	NOUN
fsr-4224	460	4	,	,	PUNCT
fsr-4224	460	5	6(3	6(3	NUM
fsr-4224	460	6	)	)	PUNCT
fsr-4224	460	7	,	,	PUNCT
fsr-4224	460	8	194–209	194–209	NUM
fsr-4224	460	9	.	.	PUNCT
fsr-4224	461	1	https://doi.org/10.1108/175086110110	https://doi.org/10.1108/175086110110	NOUN
fsr-4224	461	2	88836	88836	NUM
fsr-4224	461	3	cwynar	cwynar	NOUN
fsr-4224	461	4	,	,	PUNCT
fsr-4224	461	5	a.	a.	NOUN
fsr-4224	461	6	(	(	PUNCT
fsr-4224	461	7	2020	2020	NUM
fsr-4224	461	8	)	)	PUNCT
fsr-4224	461	9	.	.	PUNCT
fsr-4224	462	1	financial	financial	ADJ
fsr-4224	462	2	literacy	literacy	NOUN
fsr-4224	462	3	,	,	PUNCT
fsr-4224	462	4	behaviour	behaviour	NOUN
fsr-4224	462	5	and	and	CCONJ
fsr-4224	462	6	well	well	ADV
fsr-4224	462	7	-	-	PUNCT
fsr-4224	462	8	being	being	NOUN
fsr-4224	462	9	of	of	ADP
fsr-4224	462	10	millennials	millennial	NOUN
fsr-4224	462	11	in	in	ADP
fsr-4224	462	12	poland	poland	PROPN
fsr-4224	462	13	compared	compare	VERB
fsr-4224	462	14	to	to	ADP
fsr-4224	462	15	previous	previous	ADJ
fsr-4224	462	16	generations	generation	NOUN
fsr-4224	462	17	:	:	PUNCT
fsr-4224	462	18	the	the	DET
fsr-4224	462	19	insights	insight	NOUN
fsr-4224	462	20	from	from	ADP
fsr-4224	462	21	three	three	NUM
fsr-4224	462	22	large	large	ADJ
fsr-4224	462	23	-	-	PUNCT
fsr-4224	462	24	scale	scale	NOUN
fsr-4224	462	25	surveys	survey	NOUN
fsr-4224	462	26	.	.	PUNCT
fsr-4224	463	1	review	review	NOUN
fsr-4224	463	2	of	of	ADP
fsr-4224	463	3	economic	economic	ADJ
fsr-4224	463	4	perspectives	perspective	NOUN
fsr-4224	463	5	,	,	PUNCT
fsr-4224	463	6	20(3	20(3	NOUN
fsr-4224	463	7	)	)	PUNCT
fsr-4224	463	8	,	,	PUNCT
fsr-4224	463	9	289	289	NUM
fsr-4224	463	10	–	–	PUNCT
fsr-4224	463	11	335	335	NUM
fsr-4224	463	12	.	.	PUNCT
fsr-4224	464	1	https://doi.org/10.2478/revecp2020-0014	https://doi.org/10.2478/revecp2020-0014	PROPN
fsr-4224	464	2	cwynar	cwynar	PROPN
fsr-4224	464	3	,	,	PUNCT
fsr-4224	464	4	a.	a.	NOUN
fsr-4224	464	5	(	(	PUNCT
fsr-4224	464	6	2021	2021	NUM
fsr-4224	464	7	)	)	PUNCT
fsr-4224	464	8	.	.	PUNCT
fsr-4224	465	1	financial	financial	ADJ
fsr-4224	465	2	literacy	literacy	NOUN
fsr-4224	465	3	and	and	CCONJ
fsr-4224	465	4	financial	financial	ADJ
fsr-4224	465	5	education	education	NOUN
fsr-4224	465	6	in	in	ADP
fsr-4224	465	7	eastern	eastern	PROPN
fsr-4224	465	8	europe	europe	PROPN
fsr-4224	465	9	.	.	PUNCT
fsr-4224	466	1	in	in	ADP
fsr-4224	466	2	t.	t.	PROPN
fsr-4224	466	3	aprea	aprea	PROPN
fsr-4224	466	4	et	et	PROPN
fsr-4224	466	5	al	al	PROPN
fsr-4224	466	6	.	.	PROPN
fsr-4224	467	1	(	(	PUNCT
fsr-4224	467	2	eds	ed	NOUN
fsr-4224	467	3	.	.	PUNCT
fsr-4224	467	4	)	)	PUNCT
fsr-4224	467	5	,	,	PUNCT
fsr-4224	467	6	the	the	DET
fsr-4224	467	7	routledge	routledge	PROPN
fsr-4224	467	8	handbook	handbook	PROPN
fsr-4224	467	9	of	of	ADP
fsr-4224	467	10	financial	financial	ADJ
fsr-4224	467	11	literacy	literacy	NOUN
fsr-4224	467	12	(	(	PUNCT
fsr-4224	467	13	pp	pp	ADJ
fsr-4224	467	14	.	.	PUNCT
fsr-4224	468	1	203–211	203–211	NUM
fsr-4224	468	2	)	)	PUNCT
fsr-4224	468	3	.	.	PUNCT
fsr-4224	469	1	routledge	routledge	PROPN
fsr-4224	469	2	.	.	PUNCT
fsr-4224	470	1	dare	dare	PROPN
fsr-4224	470	2	,	,	PUNCT
fsr-4224	470	3	s.	s.	PROPN
fsr-4224	470	4	e.	e.	PROPN
fsr-4224	470	5	,	,	PUNCT
fsr-4224	470	6	van	van	PROPN
fsr-4224	470	7	dijk	dijk	PROPN
fsr-4224	470	8	,	,	PUNCT
fsr-4224	470	9	w.	w.	PROPN
fsr-4224	470	10	w.	w.	PROPN
fsr-4224	470	11	,	,	PUNCT
fsr-4224	470	12	van	van	PROPN
fsr-4224	470	13	dijk	dijk	PROPN
fsr-4224	470	14	,	,	PUNCT
fsr-4224	470	15	e.	e.	PROPN
fsr-4224	470	16	,	,	PUNCT
fsr-4224	470	17	van	van	PROPN
fsr-4224	470	18	dillen	dillen	PROPN
fsr-4224	470	19	,	,	PUNCT
fsr-4224	470	20	l.	l.	PROPN
fsr-4224	470	21	f.	f.	PROPN
fsr-4224	470	22	,	,	PUNCT
fsr-4224	470	23	gallucci	gallucci	PROPN
fsr-4224	470	24	,	,	PUNCT
fsr-4224	470	25	m.	m.	NOUN
fsr-4224	470	26	,	,	PUNCT
fsr-4224	470	27	&	&	CCONJ
fsr-4224	470	28	simonse	simonse	NOUN
fsr-4224	470	29	,	,	PUNCT
fsr-4224	470	30	o.	o.	PROPN
fsr-4224	470	31	(	(	PUNCT
fsr-4224	470	32	2023	2023	NUM
fsr-4224	470	33	)	)	PUNCT
fsr-4224	470	34	.	.	PUNCT
fsr-4224	471	1	how	how	SCONJ
fsr-4224	471	2	executive	executive	ADJ
fsr-4224	471	3	functioning	functioning	NOUN
fsr-4224	471	4	and	and	CCONJ
fsr-4224	471	5	financial	financial	ADJ
fsr-4224	471	6	self	self	NOUN
fsr-4224	471	7	-	-	PUNCT
fsr-4224	471	8	efficacy	efficacy	NOUN
fsr-4224	471	9	predict	predict	VERB
fsr-4224	471	10	subjective	subjective	ADJ
fsr-4224	471	11	financial	financial	ADJ
fsr-4224	471	12	well	well	NOUN
fsr-4224	471	13	-	-	PUNCT
fsr-4224	471	14	being	being	NOUN
fsr-4224	471	15	via	via	ADP
fsr-4224	471	16	positive	positive	ADJ
fsr-4224	471	17	financial	financial	ADJ
fsr-4224	471	18	behaviors	behavior	NOUN
fsr-4224	471	19	.	.	PUNCT
fsr-4224	472	1	journal	journal	NOUN
fsr-4224	472	2	of	of	ADP
fsr-4224	472	3	family	family	NOUN
fsr-4224	472	4	and	and	CCONJ
fsr-4224	472	5	economic	economic	ADJ
fsr-4224	472	6	issues	issue	NOUN
fsr-4224	472	7	,	,	PUNCT
fsr-4224	472	8	44(2	44(2	NOUN
fsr-4224	472	9	)	)	PUNCT
fsr-4224	472	10	,	,	PUNCT
fsr-4224	472	11	232–248	232–248	NUM
fsr-4224	472	12	.	.	PUNCT
fsr-4224	473	1	https://doi.org/10.1007/s10834-02209845-z	https://doi.org/10.1007/s10834-02209845-z	PROPN
fsr-4224	473	2	de	de	ADP
fsr-4224	473	3	andrés	andrés	PROPN
fsr-4224	473	4	-	-	PUNCT
fsr-4224	473	5	sánchez	sánchez	PROPN
fsr-4224	473	6	,	,	PUNCT
fsr-4224	473	7	j.	j.	PROPN
fsr-4224	473	8	,	,	PUNCT
fsr-4224	473	9	&	&	CCONJ
fsr-4224	473	10	puchades	puchades	PROPN
fsr-4224	473	11	,	,	PUNCT
fsr-4224	473	12	l.	l.	PROPN
fsr-4224	473	13	g.-v	g.-v	PROPN
fsr-4224	473	14	.	.	PUNCT
fsr-4224	474	1	(	(	PUNCT
fsr-4224	474	2	2023	2023	NUM
fsr-4224	474	3	)	)	PUNCT
fsr-4224	474	4	.	.	PUNCT
fsr-4224	475	1	combining	combine	VERB
fsr-4224	475	2	fsqca	fsqca	PROPN
fsr-4224	475	3	and	and	CCONJ
fsr-4224	475	4	plssem	plssem	NOUN
fsr-4224	475	5	to	to	PART
fsr-4224	475	6	assess	assess	VERB
fsr-4224	475	7	policyholders	policyholder	NOUN
fsr-4224	475	8	’	'	PUNCT
fsr-4224	475	9	attitude	attitude	NOUN
fsr-4224	475	10	towards	towards	ADP
fsr-4224	475	11	life	life	NOUN
fsr-4224	475	12	settlements	settlement	NOUN
fsr-4224	475	13	.	.	PUNCT
fsr-4224	476	1	european	european	ADJ
fsr-4224	476	2	research	research	PROPN
fsr-4224	476	3	on	on	ADP
fsr-4224	476	4	management	management	NOUN
fsr-4224	476	5	and	and	CCONJ
fsr-4224	476	6	business	business	NOUN
fsr-4224	476	7	economics	economic	NOUN
fsr-4224	476	8	,	,	PUNCT
fsr-4224	476	9	29(2	29(2	NUM
fsr-4224	476	10	)	)	PUNCT
fsr-4224	476	11	,	,	PUNCT
fsr-4224	476	12	100220	100220	NUM
fsr-4224	476	13	.	.	PUNCT
fsr-4224	477	1	https://doi.org/10.1016/j.iedeen.2023.1	https://doi.org/10.1016/j.iedeen.2023.1	NUM
fsr-4224	477	2	00220	00220	NUM
fsr-4224	477	3	deenanath	deenanath	NOUN
fsr-4224	477	4	,	,	PUNCT
fsr-4224	477	5	v.	v.	PROPN
fsr-4224	477	6	,	,	PUNCT
fsr-4224	477	7	danes	danes	PROPN
fsr-4224	477	8	,	,	PUNCT
fsr-4224	477	9	s.	s.	PROPN
fsr-4224	477	10	m.	m.	PROPN
fsr-4224	477	11	,	,	PUNCT
fsr-4224	477	12	&	&	CCONJ
fsr-4224	477	13	jang	jang	PROPN
fsr-4224	477	14	,	,	PUNCT
fsr-4224	477	15	j.	j.	PROPN
fsr-4224	477	16	(	(	PUNCT
fsr-4224	477	17	2019	2019	NUM
fsr-4224	477	18	)	)	PUNCT
fsr-4224	477	19	.	.	PUNCT
fsr-4224	478	1	purposive	purposive	NOUN
fsr-4224	478	2	and	and	CCONJ
fsr-4224	478	3	unintentional	unintentional	ADJ
fsr-4224	478	4	family	family	NOUN
fsr-4224	478	5	financial	financial	ADJ
fsr-4224	478	6	socialization	socialization	NOUN
fsr-4224	478	7	,	,	PUNCT
fsr-4224	478	8	subjective	subjective	ADJ
fsr-4224	478	9	financial	financial	ADJ
fsr-4224	478	10	knowledge	knowledge	NOUN
fsr-4224	478	11	,	,	PUNCT
fsr-4224	478	12	and	and	CCONJ
fsr-4224	478	13	financial	financial	ADJ
fsr-4224	478	14	behavior	behavior	NOUN
fsr-4224	478	15	of	of	ADP
fsr-4224	478	16	high	high	ADJ
fsr-4224	478	17	school	school	NOUN
fsr-4224	478	18	students	student	NOUN
fsr-4224	478	19	.	.	PUNCT
fsr-4224	479	1	journal	journal	NOUN
fsr-4224	479	2	of	of	ADP
fsr-4224	479	3	financial	financial	ADJ
fsr-4224	479	4	counseling	counseling	NOUN
fsr-4224	479	5	and	and	CCONJ
fsr-4224	479	6	planning	planning	NOUN
fsr-4224	479	7	,	,	PUNCT
fsr-4224	479	8	30(1	30(1	NUM
fsr-4224	479	9	)	)	PUNCT
fsr-4224	479	10	,	,	PUNCT
fsr-4224	479	11	83–96	83–96	NUM
fsr-4224	479	12	.	.	PUNCT
fsr-4224	480	1	https://doi.org/10.1891/10523073.30.1.83	https://doi.org/10.1891/10523073.30.1.83	PROPN
fsr-4224	480	2	di	di	PROPN
fsr-4224	480	3	domenico	domenico	PROPN
fsr-4224	480	4	,	,	PUNCT
fsr-4224	480	5	s.	s.	PROPN
fsr-4224	480	6	i.	i.	PROPN
fsr-4224	480	7	,	,	PUNCT
fsr-4224	480	8	ryan	ryan	PROPN
fsr-4224	480	9	,	,	PUNCT
fsr-4224	480	10	r.	r.	PROPN
fsr-4224	480	11	m.	m.	PROPN
fsr-4224	480	12	,	,	PUNCT
fsr-4224	480	13	bradshaw	bradshaw	PROPN
fsr-4224	480	14	,	,	PUNCT
fsr-4224	480	15	e.	e.	PROPN
fsr-4224	480	16	l.	l.	PROPN
fsr-4224	480	17	,	,	PUNCT
fsr-4224	480	18	&	&	CCONJ
fsr-4224	480	19	duineveld	duineveld	PROPN
fsr-4224	480	20	,	,	PUNCT
fsr-4224	480	21	j.	j.	PROPN
fsr-4224	480	22	j.	j.	PROPN
fsr-4224	480	23	(	(	PUNCT
fsr-4224	480	24	2022	2022	NUM
fsr-4224	480	25	)	)	PUNCT
fsr-4224	480	26	.	.	PUNCT
fsr-4224	481	1	motivations	motivation	NOUN
fsr-4224	481	2	for	for	ADP
fsr-4224	481	3	personal	personal	ADJ
fsr-4224	481	4	financial	financial	ADJ
fsr-4224	481	5	management	management	NOUN
fsr-4224	481	6	:	:	PUNCT
fsr-4224	481	7	a	a	DET
fsr-4224	481	8	self	self	NOUN
fsr-4224	481	9	-	-	PUNCT
fsr-4224	481	10	determination	determination	NOUN
fsr-4224	481	11	theory	theory	NOUN
fsr-4224	481	12	perspective	perspective	NOUN
fsr-4224	481	13	.	.	PUNCT
fsr-4224	482	1	frontiers	frontier	NOUN
fsr-4224	482	2	in	in	ADP
fsr-4224	482	3	psychology	psychology	NOUN
fsr-4224	482	4	,	,	PUNCT
fsr-4224	482	5	13	13	NUM
fsr-4224	482	6	,	,	PUNCT
fsr-4224	482	7	977818	977818	NUM
fsr-4224	482	8	.	.	PUNCT
fsr-4224	483	1	https://doi.org/10.3389/fpsyg.2022.977	https://doi.org/10.3389/fpsyg.2022.977	PROPN
fsr-4224	483	2	818	818	NUM
fsr-4224	483	3	fainshmidt	fainshmidt	ADJ
fsr-4224	483	4	,	,	PUNCT
fsr-4224	483	5	s.	s.	PROPN
fsr-4224	483	6	,	,	PUNCT
fsr-4224	483	7	witt	witt	PROPN
fsr-4224	483	8	,	,	PUNCT
fsr-4224	483	9	m.	m.	NOUN
fsr-4224	483	10	a.	a.	PROPN
fsr-4224	483	11	,	,	PUNCT
fsr-4224	483	12	aguilera	aguilera	PROPN
fsr-4224	483	13	,	,	PUNCT
fsr-4224	483	14	r.	r.	PROPN
fsr-4224	483	15	v.	v.	PROPN
fsr-4224	483	16	,	,	PUNCT
fsr-4224	483	17	&	&	CCONJ
fsr-4224	483	18	verbeke	verbeke	PROPN
fsr-4224	483	19	,	,	PUNCT
fsr-4224	483	20	a.	a.	NOUN
fsr-4224	483	21	(	(	PUNCT
fsr-4224	483	22	2020	2020	NUM
fsr-4224	483	23	)	)	PUNCT
fsr-4224	483	24	.	.	PUNCT
fsr-4224	484	1	the	the	DET
fsr-4224	484	2	contributions	contribution	NOUN
fsr-4224	484	3	of	of	ADP
fsr-4224	484	4	qualitative	qualitative	ADJ
fsr-4224	484	5	comparative	comparative	ADJ
fsr-4224	484	6	analysis	analysis	NOUN
fsr-4224	484	7	(	(	PUNCT
fsr-4224	484	8	qca	qca	NOUN
fsr-4224	484	9	)	)	PUNCT
fsr-4224	484	10	to	to	ADP
fsr-4224	484	11	international	international	ADJ
fsr-4224	484	12	business	business	NOUN
fsr-4224	484	13	research	research	NOUN
fsr-4224	484	14	.	.	PUNCT
fsr-4224	485	1	journal	journal	PROPN
fsr-4224	485	2	of	of	ADP
fsr-4224	485	3	international	international	ADJ
fsr-4224	485	4	business	business	NOUN
fsr-4224	485	5	studies	study	NOUN
fsr-4224	485	6	,	,	PUNCT
fsr-4224	485	7	51	51	NUM
fsr-4224	485	8	,	,	PUNCT
fsr-4224	485	9	455–466	455–466	NUM
fsr-4224	485	10	.	.	PUNCT
fsr-4224	486	1	https://doi.org/10.1057/s41267-02000305-y	https://doi.org/10.1057/s41267-02000305-y	PROPN
fsr-4224	486	2	farrell	farrell	PROPN
fsr-4224	486	3	,	,	PUNCT
fsr-4224	486	4	l.	l.	PROPN
fsr-4224	486	5	,	,	PUNCT
fsr-4224	486	6	fry	fry	PROPN
fsr-4224	486	7	,	,	PUNCT
fsr-4224	486	8	t.	t.	PROPN
fsr-4224	486	9	r.	r.	PROPN
fsr-4224	486	10	,	,	PUNCT
fsr-4224	486	11	&	&	CCONJ
fsr-4224	486	12	risse	risse	PROPN
fsr-4224	486	13	,	,	PUNCT
fsr-4224	486	14	l.	l.	PROPN
fsr-4224	486	15	(	(	PUNCT
fsr-4224	486	16	2016	2016	NUM
fsr-4224	486	17	)	)	PUNCT
fsr-4224	486	18	.	.	PUNCT
fsr-4224	487	1	the	the	DET
fsr-4224	487	2	significance	significance	NOUN
fsr-4224	487	3	of	of	ADP
fsr-4224	487	4	financial	financial	ADJ
fsr-4224	487	5	self	self	NOUN
fsr-4224	487	6	-	-	PUNCT
fsr-4224	487	7	efficacy	efficacy	NOUN
fsr-4224	487	8	in	in	ADP
fsr-4224	487	9	explaining	explain	VERB
fsr-4224	487	10	women	woman	NOUN
fsr-4224	487	11	’s	’s	PART
fsr-4224	487	12	personal	personal	ADJ
fsr-4224	487	13	finance	finance	NOUN
fsr-4224	487	14	behaviour	behaviour	NOUN
fsr-4224	487	15	.	.	PUNCT
fsr-4224	488	1	journal	journal	PROPN
fsr-4224	488	2	of	of	ADP
fsr-4224	488	3	economic	economic	ADJ
fsr-4224	488	4	psychology	psychology	NOUN
fsr-4224	488	5	,	,	PUNCT
fsr-4224	488	6	54	54	NUM
fsr-4224	488	7	,	,	PUNCT
fsr-4224	488	8	85–99	85–99	NUM
fsr-4224	488	9	.	.	PUNCT
fsr-4224	489	1	https://doi.org/10.1016/j.joep.2016.03	https://doi.org/10.1016/j.joep.2016.03	PROPN
fsr-4224	489	2	.	.	PUNCT
fsr-4224	490	1	001	001	NUM
fsr-4224	490	2	fornell	fornell	PROPN
fsr-4224	490	3	,	,	PUNCT
fsr-4224	490	4	c.	c.	PROPN
fsr-4224	490	5	,	,	PUNCT
fsr-4224	490	6	&	&	CCONJ
fsr-4224	490	7	larcker	larcker	PROPN
fsr-4224	490	8	,	,	PUNCT
fsr-4224	490	9	d.	d.	PROPN
fsr-4224	490	10	f.	f.	PROPN
fsr-4224	490	11	(	(	PUNCT
fsr-4224	490	12	1981	1981	NUM
fsr-4224	490	13	)	)	PUNCT
fsr-4224	490	14	.	.	PUNCT
fsr-4224	491	1	evaluating	evaluate	VERB
fsr-4224	491	2	structural	structural	ADJ
fsr-4224	491	3	equation	equation	NOUN
fsr-4224	491	4	models	model	NOUN
fsr-4224	491	5	with	with	ADP
fsr-4224	491	6	unobservable	unobservable	ADJ
fsr-4224	491	7	variables	variable	NOUN
fsr-4224	491	8	and	and	CCONJ
fsr-4224	491	9	measurement	measurement	NOUN
fsr-4224	491	10	error	error	NOUN
fsr-4224	491	11	.	.	PUNCT
fsr-4224	492	1	journal	journal	NOUN
fsr-4224	492	2	of	of	ADP
fsr-4224	492	3	marketing	marketing	NOUN
fsr-4224	492	4	research	research	NOUN
fsr-4224	492	5	,	,	PUNCT
fsr-4224	492	6	18(1	18(1	NUM
fsr-4224	492	7	)	)	PUNCT
fsr-4224	492	8	,	,	PUNCT
fsr-4224	492	9	39–50	39–50	NOUN
fsr-4224	492	10	.	.	PUNCT
fsr-4224	493	1	https://doi.org/10.1177/002224378101	https://doi.org/10.1177/002224378101	NOUN
fsr-4224	493	2	800104	800104	NUM
fsr-4224	493	3	gardner	gardner	NOUN
fsr-4224	493	4	,	,	PUNCT
fsr-4224	493	5	m.	m.	NOUN
fsr-4224	493	6	,	,	PUNCT
fsr-4224	493	7	&	&	CCONJ
fsr-4224	493	8	steinberg	steinberg	PROPN
fsr-4224	493	9	,	,	PUNCT
fsr-4224	493	10	l.	l.	PROPN
fsr-4224	493	11	(	(	PUNCT
fsr-4224	493	12	2005	2005	NUM
fsr-4224	493	13	)	)	PUNCT
fsr-4224	493	14	.	.	PUNCT
fsr-4224	494	1	peer	peer	NOUN
fsr-4224	494	2	influence	influence	NOUN
fsr-4224	494	3	on	on	ADP
fsr-4224	494	4	risk	risk	NOUN
fsr-4224	494	5	taking	taking	NOUN
fsr-4224	494	6	,	,	PUNCT
fsr-4224	494	7	risk	risk	NOUN
fsr-4224	494	8	preference	preference	NOUN
fsr-4224	494	9	,	,	PUNCT
fsr-4224	494	10	and	and	CCONJ
fsr-4224	494	11	risky	risky	ADJ
fsr-4224	494	12	decision	decision	NOUN
fsr-4224	494	13	making	make	VERB
fsr-4224	494	14	in	in	ADP
fsr-4224	494	15	adolescence	adolescence	NOUN
fsr-4224	494	16	and	and	CCONJ
fsr-4224	494	17	adulthood	adulthood	NOUN
fsr-4224	494	18	:	:	PUNCT
fsr-4224	494	19	an	an	DET
fsr-4224	494	20	experimental	experimental	ADJ
fsr-4224	494	21	study	study	NOUN
fsr-4224	494	22	.	.	PUNCT
fsr-4224	495	1	developmental	developmental	ADJ
fsr-4224	495	2	psychology	psychology	NOUN
fsr-4224	495	3	,	,	PUNCT
fsr-4224	495	4	41(4	41(4	NUM
fsr-4224	495	5	)	)	PUNCT
fsr-4224	495	6	,	,	PUNCT
fsr-4224	495	7	625–635	625–635	NUM
fsr-4224	495	8	.	.	PUNCT
fsr-4224	496	1	https://doi.org/10.1037/00121649.41.4.625	https://doi.org/10.1037/00121649.41.4.625	PROPN
fsr-4224	496	2	georgiou	georgiou	PROPN
fsr-4224	496	3	,	,	PUNCT
fsr-4224	496	4	m.	m.	NOUN
fsr-4224	496	5	,	,	PUNCT
fsr-4224	496	6	daskou	daskou	PROPN
fsr-4224	496	7	,	,	PUNCT
fsr-4224	496	8	s.	s.	PROPN
fsr-4224	496	9	,	,	PUNCT
fsr-4224	496	10	anastasiou	anastasiou	PROPN
fsr-4224	496	11	,	,	PUNCT
fsr-4224	496	12	a.	a.	NOUN
fsr-4224	496	13	,	,	PUNCT
fsr-4224	496	14	&	&	CCONJ
fsr-4224	496	15	siakalli	siakalli	PROPN
fsr-4224	496	16	,	,	PUNCT
fsr-4224	496	17	m.	m.	NOUN
fsr-4224	496	18	(	(	PUNCT
fsr-4224	496	19	2023	2023	NUM
fsr-4224	496	20	)	)	PUNCT
fsr-4224	496	21	.	.	PUNCT
fsr-4224	497	1	the	the	DET
fsr-4224	497	2	effects	effect	NOUN
fsr-4224	497	3	of	of	ADP
fsr-4224	497	4	the	the	DET
fsr-4224	497	5	theory	theory	NOUN
fsr-4224	497	6	of	of	ADP
fsr-4224	497	7	planned	plan	VERB
fsr-4224	497	8	behaviour	behaviour	NOUN
fsr-4224	497	9	on	on	ADP
fsr-4224	497	10	the	the	DET
fsr-4224	497	11	switching	switch	VERB
fsr-4224	497	12	propensity	propensity	NOUN
fsr-4224	497	13	of	of	ADP
fsr-4224	497	14	retail	retail	ADJ
fsr-4224	497	15	banking	banking	NOUN
fsr-4224	497	16	customers	customer	NOUN
fsr-4224	497	17	at	at	ADP
fsr-4224	497	18	different	different	ADJ
fsr-4224	497	19	critical	critical	ADJ
fsr-4224	497	20	switching	switch	VERB
fsr-4224	497	21	incidents	incident	NOUN
fsr-4224	497	22	.	.	PUNCT
fsr-4224	498	1	international	international	ADJ
fsr-4224	498	2	journal	journal	PROPN
fsr-4224	498	3	of	of	ADP
fsr-4224	498	4	bank	bank	PROPN
fsr-4224	498	5	marketing	marketing	NOUN
fsr-4224	498	6	,	,	PUNCT
fsr-4224	498	7	41(7	41(7	PROPN
fsr-4224	498	8	)	)	PUNCT
fsr-4224	498	9	,	,	PUNCT
fsr-4224	498	10	1872–1898	1872–1898	PROPN
fsr-4224	498	11	.	.	PUNCT
fsr-4224	499	1	ahamed	ahamed	PROPN
fsr-4224	499	2	et	et	PROPN
fsr-4224	499	3	al	al	PROPN
fsr-4224	499	4	.	.	PROPN
fsr-4224	500	1	187	187	NUM
fsr-4224	500	2	https://doi.org/10.1108/ijbm-07-20220270	https://doi.org/10.1108/ijbm-07-20220270	NOUN
fsr-4224	500	3	gil	gil	PROPN
fsr-4224	500	4	-	-	PROPN
fsr-4224	500	5	cordero	cordero	PROPN
fsr-4224	500	6	,	,	PUNCT
fsr-4224	500	7	e.	e.	PROPN
fsr-4224	500	8	,	,	PUNCT
fsr-4224	500	9	ledesma	ledesma	PROPN
fsr-4224	500	10	-	-	PUNCT
fsr-4224	500	11	chaves	chaves	PROPN
fsr-4224	500	12	,	,	PUNCT
fsr-4224	500	13	p.	p.	NOUN
fsr-4224	500	14	,	,	PUNCT
fsr-4224	500	15	sánchez	sánchez	PROPN
fsr-4224	500	16	,	,	PUNCT
fsr-4224	500	17	r.	r.	PROPN
fsr-4224	500	18	a.	a.	PROPN
fsr-4224	500	19	,	,	PUNCT
fsr-4224	500	20	&	&	CCONJ
fsr-4224	500	21	mariano	mariano	PROPN
fsr-4224	500	22	,	,	PUNCT
fsr-4224	500	23	a.	a.	NOUN
fsr-4224	500	24	m.	m.	NOUN
fsr-4224	500	25	(	(	PUNCT
fsr-4224	500	26	2024	2024	NUM
fsr-4224	500	27	)	)	PUNCT
fsr-4224	500	28	.	.	PUNCT
fsr-4224	501	1	crypto	crypto	NOUN
fsr-4224	501	2	-	-	PUNCT
fsr-4224	501	3	wallets	wallet	NOUN
fsr-4224	501	4	revolution	revolution	NOUN
fsr-4224	501	5	!	!	PUNCT
fsr-4224	502	1	key	key	ADJ
fsr-4224	502	2	factors	factor	NOUN
fsr-4224	502	3	driving	drive	VERB
fsr-4224	502	4	behavioral	behavioral	ADJ
fsr-4224	502	5	intention	intention	NOUN
fsr-4224	502	6	to	to	PART
fsr-4224	502	7	adopt	adopt	VERB
fsr-4224	502	8	the	the	DET
fsr-4224	502	9	coinbase	coinbase	NOUN
fsr-4224	502	10	wallet	wallet	NOUN
fsr-4224	502	11	using	use	VERB
fsr-4224	502	12	mixed	mixed	ADJ
fsr-4224	502	13	pls	pls	NOUN
fsr-4224	502	14	-	-	PUNCT
fsr-4224	502	15	sem	sem	NOUN
fsr-4224	502	16	/	/	SYM
fsr-4224	502	17	fsqca	fsqca	NOUN
fsr-4224	502	18	methodology	methodology	NOUN
fsr-4224	502	19	in	in	ADP
fsr-4224	502	20	the	the	DET
fsr-4224	502	21	spanish	spanish	ADJ
fsr-4224	502	22	environment	environment	NOUN
fsr-4224	502	23	.	.	PUNCT
fsr-4224	503	1	international	international	ADJ
fsr-4224	503	2	journal	journal	PROPN
fsr-4224	503	3	of	of	ADP
fsr-4224	503	4	bank	bank	PROPN
fsr-4224	503	5	marketing	marketing	NOUN
fsr-4224	503	6	.	.	PUNCT
fsr-4224	504	1	advance	advance	VERB
fsr-4224	504	2	online	online	ADJ
fsr-4224	504	3	publication	publication	NOUN
fsr-4224	504	4	.	.	PUNCT
fsr-4224	505	1	https://doi.org/10.1108/ijbm-09-20230364	https://doi.org/10.1108/ijbm-09-20230364	NOUN
fsr-4224	505	2	godase	godase	NOUN
fsr-4224	505	3	,	,	PUNCT
fsr-4224	505	4	r.	r.	PROPN
fsr-4224	505	5	,	,	PUNCT
fsr-4224	505	6	jyothi	jyothi	PROPN
fsr-4224	505	7	,	,	PUNCT
fsr-4224	505	8	p.	p.	PROPN
fsr-4224	505	9	,	,	PUNCT
fsr-4224	505	10	&	&	CCONJ
fsr-4224	505	11	supriya	supriya	PROPN
fsr-4224	505	12	,	,	PUNCT
fsr-4224	505	13	m.	m.	NOUN
fsr-4224	505	14	l.	l.	PROPN
fsr-4224	505	15	(	(	PUNCT
fsr-4224	505	16	2023	2023	NUM
fsr-4224	505	17	)	)	PUNCT
fsr-4224	505	18	.	.	PUNCT
fsr-4224	506	1	financial	financial	ADJ
fsr-4224	506	2	planning	planning	NOUN
fsr-4224	506	3	propensity	propensity	NOUN
fsr-4224	506	4	in	in	ADP
fsr-4224	506	5	working	working	NOUN
fsr-4224	506	6	adults	adult	NOUN
fsr-4224	506	7	:	:	PUNCT
fsr-4224	506	8	exploring	explore	VERB
fsr-4224	506	9	the	the	DET
fsr-4224	506	10	role	role	NOUN
fsr-4224	506	11	of	of	ADP
fsr-4224	506	12	media	medium	NOUN
fsr-4224	506	13	.	.	PUNCT
fsr-4224	507	1	managerial	managerial	ADJ
fsr-4224	507	2	finance	finance	NOUN
fsr-4224	507	3	,	,	PUNCT
fsr-4224	507	4	50(2	50(2	NUM
fsr-4224	507	5	)	)	PUNCT
fsr-4224	507	6	,	,	PUNCT
fsr-4224	507	7	313–328	313–328	NUM
fsr-4224	507	8	.	.	PUNCT
fsr-4224	508	1	https://doi.org/10.1108/mf11-2022-0552	https://doi.org/10.1108/mf11-2022-0552	PROPN
fsr-4224	508	2	goyal	goyal	PROPN
fsr-4224	508	3	,	,	PUNCT
fsr-4224	508	4	k.	k.	PROPN
fsr-4224	508	5	,	,	PUNCT
fsr-4224	508	6	kumar	kumar	PROPN
fsr-4224	508	7	,	,	PUNCT
fsr-4224	508	8	s.	s.	PROPN
fsr-4224	508	9	,	,	PUNCT
fsr-4224	508	10	&	&	CCONJ
fsr-4224	508	11	hoffmann	hoffmann	PROPN
fsr-4224	508	12	,	,	PUNCT
fsr-4224	508	13	a.	a.	NOUN
fsr-4224	508	14	(	(	PUNCT
fsr-4224	508	15	2023	2023	NUM
fsr-4224	508	16	)	)	PUNCT
fsr-4224	508	17	.	.	PUNCT
fsr-4224	509	1	the	the	DET
fsr-4224	509	2	direct	direct	ADJ
fsr-4224	509	3	and	and	CCONJ
fsr-4224	509	4	indirect	indirect	ADJ
fsr-4224	509	5	effects	effect	NOUN
fsr-4224	509	6	of	of	ADP
fsr-4224	509	7	financial	financial	ADJ
fsr-4224	509	8	socialization	socialization	NOUN
fsr-4224	509	9	and	and	CCONJ
fsr-4224	509	10	psychological	psychological	ADJ
fsr-4224	509	11	characteristics	characteristic	NOUN
fsr-4224	509	12	on	on	ADP
fsr-4224	509	13	young	young	ADJ
fsr-4224	509	14	professionals	professional	NOUN
fsr-4224	509	15	'	'	PART
fsr-4224	509	16	personal	personal	ADJ
fsr-4224	509	17	financial	financial	ADJ
fsr-4224	509	18	management	management	NOUN
fsr-4224	509	19	behavior	behavior	NOUN
fsr-4224	509	20	.	.	PUNCT
fsr-4224	510	1	international	international	ADJ
fsr-4224	510	2	journal	journal	PROPN
fsr-4224	510	3	of	of	ADP
fsr-4224	510	4	bank	bank	PROPN
fsr-4224	510	5	marketing	marketing	NOUN
fsr-4224	510	6	,	,	PUNCT
fsr-4224	510	7	41(7	41(7	PROPN
fsr-4224	510	8	)	)	PUNCT
fsr-4224	510	9	,	,	PUNCT
fsr-4224	510	10	1550–1584	1550–1584	NUM
fsr-4224	510	11	.	.	PUNCT
fsr-4224	510	12	https://doi.org/10.1108/ijbm-09-20220300	https://doi.org/10.1108/ijbm-09-20220300	ADJ
fsr-4224	510	13	goyal	goyal	PROPN
fsr-4224	510	14	,	,	PUNCT
fsr-4224	510	15	k.	k.	PROPN
fsr-4224	510	16	,	,	PUNCT
fsr-4224	510	17	kumar	kumar	PROPN
fsr-4224	510	18	,	,	PUNCT
fsr-4224	510	19	s.	s.	PROPN
fsr-4224	510	20	,	,	PUNCT
fsr-4224	510	21	&	&	CCONJ
fsr-4224	510	22	xiao	xiao	PROPN
fsr-4224	510	23	,	,	PUNCT
fsr-4224	510	24	j.	j.	PROPN
fsr-4224	510	25	j.	j.	PROPN
fsr-4224	510	26	(	(	PUNCT
fsr-4224	510	27	2021	2021	NUM
fsr-4224	510	28	)	)	PUNCT
fsr-4224	510	29	.	.	PUNCT
fsr-4224	511	1	antecedents	antecedent	NOUN
fsr-4224	511	2	and	and	CCONJ
fsr-4224	511	3	consequences	consequence	NOUN
fsr-4224	511	4	of	of	ADP
fsr-4224	511	5	personal	personal	ADJ
fsr-4224	511	6	financial	financial	ADJ
fsr-4224	511	7	management	management	NOUN
fsr-4224	511	8	behavior	behavior	NOUN
fsr-4224	511	9	:	:	PUNCT
fsr-4224	511	10	a	a	DET
fsr-4224	511	11	systematic	systematic	ADJ
fsr-4224	511	12	literature	literature	NOUN
fsr-4224	511	13	review	review	NOUN
fsr-4224	511	14	and	and	CCONJ
fsr-4224	511	15	future	future	ADJ
fsr-4224	511	16	research	research	NOUN
fsr-4224	511	17	agenda	agenda	NOUN
fsr-4224	511	18	.	.	PUNCT
fsr-4224	512	1	international	international	ADJ
fsr-4224	512	2	journal	journal	PROPN
fsr-4224	512	3	of	of	ADP
fsr-4224	512	4	bank	bank	PROPN
fsr-4224	512	5	marketing	marketing	NOUN
fsr-4224	512	6	,	,	PUNCT
fsr-4224	512	7	39(7	39(7	NUM
fsr-4224	512	8	)	)	PUNCT
fsr-4224	512	9	,	,	PUNCT
fsr-4224	512	10	1166–1207	1166–1207	NUM
fsr-4224	512	11	.	.	PUNCT
fsr-4224	512	12	https://doi.org/10.1108/ijbm-07-20200378	https://doi.org/10.1108/ijbm-07-20200378	NOUN
fsr-4224	512	13	gschwandtner	gschwandtner	NOUN
fsr-4224	512	14	,	,	PUNCT
fsr-4224	512	15	a.	a.	NOUN
fsr-4224	512	16	,	,	PUNCT
fsr-4224	512	17	jewell	jewell	PROPN
fsr-4224	512	18	,	,	PUNCT
fsr-4224	512	19	s.	s.	PROPN
fsr-4224	512	20	,	,	PUNCT
fsr-4224	512	21	&	&	CCONJ
fsr-4224	512	22	kambhampati	kambhampati	PROPN
fsr-4224	512	23	,	,	PUNCT
fsr-4224	512	24	u.	u.	PROPN
fsr-4224	512	25	s.	s.	PROPN
fsr-4224	512	26	(	(	PUNCT
fsr-4224	512	27	2022	2022	NUM
fsr-4224	512	28	)	)	PUNCT
fsr-4224	512	29	.	.	PUNCT
fsr-4224	513	1	lifestyle	lifestyle	NOUN
fsr-4224	513	2	and	and	CCONJ
fsr-4224	513	3	life	life	NOUN
fsr-4224	513	4	satisfaction	satisfaction	NOUN
fsr-4224	513	5	:	:	PUNCT
fsr-4224	513	6	the	the	DET
fsr-4224	513	7	role	role	NOUN
fsr-4224	513	8	of	of	ADP
fsr-4224	513	9	delayed	delay	VERB
fsr-4224	513	10	gratification	gratification	NOUN
fsr-4224	513	11	.	.	PUNCT
fsr-4224	514	1	journal	journal	NOUN
fsr-4224	514	2	of	of	ADP
fsr-4224	514	3	happiness	happiness	NOUN
fsr-4224	514	4	studies	study	NOUN
fsr-4224	514	5	,	,	PUNCT
fsr-4224	514	6	23(3	23(3	NUM
fsr-4224	514	7	)	)	PUNCT
fsr-4224	514	8	,	,	PUNCT
fsr-4224	514	9	1043–1072	1043–1072	NUM
fsr-4224	514	10	.	.	PUNCT
fsr-4224	515	1	https://doi.org/10.1007/s10902-02100417-1	https://doi.org/10.1007/s10902-02100417-1	PROPN
fsr-4224	515	2	hadar	hadar	PROPN
fsr-4224	515	3	,	,	PUNCT
fsr-4224	515	4	l.	l.	PROPN
fsr-4224	515	5	,	,	PUNCT
fsr-4224	515	6	sood	sood	PROPN
fsr-4224	515	7	,	,	PUNCT
fsr-4224	515	8	s.	s.	PROPN
fsr-4224	515	9	,	,	PUNCT
fsr-4224	515	10	&	&	CCONJ
fsr-4224	515	11	fox	fox	PROPN
fsr-4224	515	12	,	,	PUNCT
fsr-4224	515	13	c.	c.	PROPN
fsr-4224	515	14	r.	r.	PROPN
fsr-4224	515	15	(	(	PUNCT
fsr-4224	515	16	2013	2013	NUM
fsr-4224	515	17	)	)	PUNCT
fsr-4224	515	18	.	.	PUNCT
fsr-4224	516	1	subjective	subjective	ADJ
fsr-4224	516	2	knowledge	knowledge	NOUN
fsr-4224	516	3	in	in	ADP
fsr-4224	516	4	consumer	consumer	NOUN
fsr-4224	516	5	financial	financial	ADJ
fsr-4224	516	6	decisions	decision	NOUN
fsr-4224	516	7	.	.	PUNCT
fsr-4224	517	1	journal	journal	NOUN
fsr-4224	517	2	of	of	ADP
fsr-4224	517	3	marketing	marketing	NOUN
fsr-4224	517	4	research	research	NOUN
fsr-4224	517	5	,	,	PUNCT
fsr-4224	517	6	50(3	50(3	NUM
fsr-4224	517	7	)	)	PUNCT
fsr-4224	517	8	,	,	PUNCT
fsr-4224	517	9	303–316	303–316	NUM
fsr-4224	517	10	.	.	PUNCT
fsr-4224	518	1	https://doi.org/10.1509/jmr.10.0518	https://doi.org/10.1509/jmr.10.0518	PROPN
fsr-4224	518	2	hair	hair	PROPN
fsr-4224	518	3	jr	jr	PROPN
fsr-4224	518	4	,	,	PUNCT
fsr-4224	518	5	j.	j.	PROPN
fsr-4224	518	6	f.	f.	PROPN
fsr-4224	518	7	,	,	PUNCT
fsr-4224	518	8	sarstedt	sarstedt	NOUN
fsr-4224	518	9	,	,	PUNCT
fsr-4224	518	10	m.	m.	NOUN
fsr-4224	518	11	,	,	PUNCT
fsr-4224	518	12	hopkins	hopkins	PROPN
fsr-4224	518	13	,	,	PUNCT
fsr-4224	518	14	l.	l.	PROPN
fsr-4224	518	15	,	,	PUNCT
fsr-4224	518	16	&	&	CCONJ
fsr-4224	518	17	kuppelwieser	kuppelwieser	PROPN
fsr-4224	518	18	,	,	PUNCT
fsr-4224	518	19	v.	v.	PROPN
fsr-4224	518	20	g.	g.	PROPN
fsr-4224	518	21	(	(	PUNCT
fsr-4224	518	22	2019	2019	NUM
fsr-4224	518	23	)	)	PUNCT
fsr-4224	518	24	.	.	PUNCT
fsr-4224	519	1	partial	partial	ADJ
fsr-4224	519	2	least	least	ADJ
fsr-4224	519	3	squares	square	VERB
fsr-4224	519	4	structural	structural	ADJ
fsr-4224	519	5	equation	equation	NOUN
fsr-4224	519	6	modeling	modeling	NOUN
fsr-4224	519	7	(	(	PUNCT
fsr-4224	519	8	pls	pls	INTJ
fsr-4224	519	9	-	-	PUNCT
fsr-4224	519	10	sem	sem	NOUN
fsr-4224	519	11	):	):	PUNCT
fsr-4224	519	12	an	an	DET
fsr-4224	519	13	emerging	emerge	VERB
fsr-4224	519	14	tool	tool	NOUN
fsr-4224	519	15	in	in	ADP
fsr-4224	519	16	business	business	NOUN
fsr-4224	519	17	research	research	NOUN
fsr-4224	519	18	.	.	PUNCT
fsr-4224	520	1	european	european	PROPN
fsr-4224	520	2	business	business	PROPN
fsr-4224	520	3	review	review	PROPN
fsr-4224	520	4	,	,	PUNCT
fsr-4224	520	5	26(2	26(2	NUM
fsr-4224	520	6	)	)	PUNCT
fsr-4224	520	7	,	,	PUNCT
fsr-4224	520	8	106–121	106–121	NUM
fsr-4224	520	9	.	.	PUNCT
fsr-4224	520	10	https://doi.org/10.1108/ebr-10-20130128	https://doi.org/10.1108/ebr-10-20130128	PUNCT
fsr-4224	521	1	joo	joo	NOUN
fsr-4224	521	2	,	,	PUNCT
fsr-4224	521	3	s.-h	s.-h	PROPN
fsr-4224	521	4	.	.	PROPN
fsr-4224	521	5	,	,	PUNCT
fsr-4224	521	6	&	&	CCONJ
fsr-4224	521	7	grable	grable	PROPN
fsr-4224	521	8	,	,	PUNCT
fsr-4224	521	9	j.	j.	PROPN
fsr-4224	521	10	e.	e.	PROPN
fsr-4224	521	11	(	(	PUNCT
fsr-4224	521	12	2004	2004	NUM
fsr-4224	521	13	)	)	PUNCT
fsr-4224	521	14	.	.	PUNCT
fsr-4224	522	1	an	an	DET
fsr-4224	522	2	exploratory	exploratory	ADJ
fsr-4224	522	3	framework	framework	NOUN
fsr-4224	522	4	of	of	ADP
fsr-4224	522	5	the	the	DET
fsr-4224	522	6	determinants	determinant	NOUN
fsr-4224	522	7	of	of	ADP
fsr-4224	522	8	financial	financial	ADJ
fsr-4224	522	9	satisfaction	satisfaction	NOUN
fsr-4224	522	10	.	.	PUNCT
fsr-4224	523	1	journal	journal	NOUN
fsr-4224	523	2	of	of	ADP
fsr-4224	523	3	family	family	NOUN
fsr-4224	523	4	and	and	CCONJ
fsr-4224	523	5	economic	economic	ADJ
fsr-4224	523	6	issues	issue	NOUN
fsr-4224	523	7	,	,	PUNCT
fsr-4224	523	8	25	25	NUM
fsr-4224	523	9	,	,	PUNCT
fsr-4224	523	10	25–50	25–50	NUM
fsr-4224	523	11	.	.	PUNCT
fsr-4224	524	1	https://doi.org/10.1023/b:jeei.000001	https://doi.org/10.1023/b:jeei.000001	X
fsr-4224	524	2	6722.37994.9f	6722.37994.9f	NUM
fsr-4224	524	3	jorgensen	jorgensen	PROPN
fsr-4224	524	4	,	,	PUNCT
fsr-4224	524	5	b.	b.	PROPN
fsr-4224	524	6	l.	l.	PROPN
fsr-4224	524	7	(	(	PUNCT
fsr-4224	524	8	2007	2007	NUM
fsr-4224	524	9	)	)	PUNCT
fsr-4224	524	10	.	.	PUNCT
fsr-4224	525	1	financial	financial	ADJ
fsr-4224	525	2	literacy	literacy	NOUN
fsr-4224	525	3	of	of	ADP
fsr-4224	525	4	college	college	NOUN
fsr-4224	525	5	students	student	NOUN
fsr-4224	525	6	:	:	PUNCT
fsr-4224	525	7	parental	parental	ADJ
fsr-4224	525	8	and	and	CCONJ
fsr-4224	525	9	peer	peer	NOUN
fsr-4224	525	10	influences	influence	NOUN
fsr-4224	525	11	[	[	X
fsr-4224	525	12	doctoral	doctoral	ADJ
fsr-4224	525	13	dissertation	dissertation	NOUN
fsr-4224	525	14	,	,	PUNCT
fsr-4224	525	15	virginia	virginia	PROPN
fsr-4224	525	16	tech	tech	NOUN
fsr-4224	525	17	]	]	PUNCT
fsr-4224	525	18	.	.	PUNCT
fsr-4224	526	1	https://vtechworks.lib.vt.edu/handle/10	https://vtechworks.lib.vt.edu/handle/10	NUM
fsr-4224	526	2	919/30115	919/30115	NUM
fsr-4224	526	3	jorgensen	jorgensen	PROPN
fsr-4224	526	4	,	,	PUNCT
fsr-4224	526	5	b.	b.	PROPN
fsr-4224	526	6	l.	l.	PROPN
fsr-4224	526	7	,	,	PUNCT
fsr-4224	526	8	&	&	CCONJ
fsr-4224	526	9	savla	savla	NOUN
fsr-4224	526	10	,	,	PUNCT
fsr-4224	526	11	j.	j.	PROPN
fsr-4224	526	12	(	(	PUNCT
fsr-4224	526	13	2010	2010	NUM
fsr-4224	526	14	)	)	PUNCT
fsr-4224	526	15	.	.	PUNCT
fsr-4224	527	1	financial	financial	ADJ
fsr-4224	527	2	literacy	literacy	NOUN
fsr-4224	527	3	of	of	ADP
fsr-4224	527	4	young	young	ADJ
fsr-4224	527	5	adults	adult	NOUN
fsr-4224	527	6	:	:	PUNCT
fsr-4224	527	7	the	the	DET
fsr-4224	527	8	importance	importance	NOUN
fsr-4224	527	9	of	of	ADP
fsr-4224	527	10	parental	parental	ADJ
fsr-4224	527	11	socialization	socialization	NOUN
fsr-4224	527	12	.	.	PUNCT
fsr-4224	528	1	family	family	NOUN
fsr-4224	528	2	relations	relation	NOUN
fsr-4224	528	3	,	,	PUNCT
fsr-4224	528	4	59(4	59(4	NUM
fsr-4224	528	5	)	)	PUNCT
fsr-4224	528	6	,	,	PUNCT
fsr-4224	528	7	465–478	465–478	NUM
fsr-4224	528	8	.	.	PUNCT
fsr-4224	529	1	kaiser	kaiser	PROPN
fsr-4224	529	2	,	,	PUNCT
fsr-4224	529	3	t.	t.	PROPN
fsr-4224	529	4	,	,	PUNCT
fsr-4224	529	5	lusardi	lusardi	PROPN
fsr-4224	529	6	,	,	PUNCT
fsr-4224	529	7	a.	a.	NOUN
fsr-4224	529	8	,	,	PUNCT
fsr-4224	529	9	menkhoff	menkhoff	PROPN
fsr-4224	529	10	,	,	PUNCT
fsr-4224	529	11	l.	l.	PROPN
fsr-4224	529	12	,	,	PUNCT
fsr-4224	529	13	&	&	CCONJ
fsr-4224	529	14	urban	urban	PROPN
fsr-4224	529	15	,	,	PUNCT
fsr-4224	529	16	c.	c.	PROPN
fsr-4224	529	17	(	(	PUNCT
fsr-4224	529	18	2020	2020	NUM
fsr-4224	529	19	)	)	PUNCT
fsr-4224	529	20	.	.	PUNCT
fsr-4224	530	1	financial	financial	ADJ
fsr-4224	530	2	education	education	NOUN
fsr-4224	530	3	affects	affect	VERB
fsr-4224	530	4	financial	financial	ADJ
fsr-4224	530	5	knowledge	knowledge	NOUN
fsr-4224	530	6	and	and	CCONJ
fsr-4224	530	7	downstream	downstream	ADJ
fsr-4224	530	8	behaviors	behavior	NOUN
fsr-4224	530	9	.	.	PUNCT
fsr-4224	531	1	journal	journal	NOUN
fsr-4224	531	2	of	of	ADP
fsr-4224	531	3	financial	financial	ADJ
fsr-4224	531	4	economics	economic	NOUN
fsr-4224	531	5	,	,	PUNCT
fsr-4224	531	6	139(2	139(2	NUM
fsr-4224	531	7	)	)	PUNCT
fsr-4224	531	8	,	,	PUNCT
fsr-4224	531	9	436	436	NUM
fsr-4224	531	10	–	–	PUNCT
fsr-4224	531	11	453	453	NUM
fsr-4224	531	12	.	.	PUNCT
fsr-4224	531	13	https://doi.org/10.1016/j.jfineco.2020	https://doi.org/10.1016/j.jfineco.2020	NOUN
fsr-4224	531	14	.	.	PUNCT
fsr-4224	532	1	07.004	07.004	NUM
fsr-4224	532	2	kaur	kaur	NOUN
fsr-4224	532	3	,	,	PUNCT
fsr-4224	532	4	g.	g.	PROPN
fsr-4224	532	5	,	,	PUNCT
fsr-4224	532	6	&	&	CCONJ
fsr-4224	532	7	singh	singh	PROPN
fsr-4224	532	8	,	,	PUNCT
fsr-4224	532	9	m.	m.	NOUN
fsr-4224	532	10	(	(	PUNCT
fsr-4224	532	11	2024	2024	NUM
fsr-4224	532	12	)	)	PUNCT
fsr-4224	532	13	.	.	PUNCT
fsr-4224	533	1	pathways	pathway	NOUN
fsr-4224	533	2	to	to	ADP
fsr-4224	533	3	individual	individual	ADJ
fsr-4224	533	4	financial	financial	ADJ
fsr-4224	533	5	well	well	NOUN
fsr-4224	533	6	-	-	PUNCT
fsr-4224	533	7	being	being	NOUN
fsr-4224	533	8	:	:	PUNCT
fsr-4224	533	9	conceptual	conceptual	ADJ
fsr-4224	533	10	framework	framework	NOUN
fsr-4224	533	11	and	and	CCONJ
fsr-4224	533	12	future	future	ADJ
fsr-4224	533	13	research	research	NOUN
fsr-4224	533	14	agenda	agenda	NOUN
fsr-4224	533	15	.	.	PUNCT
fsr-4224	534	1	fiib	fiib	PROPN
fsr-4224	534	2	business	business	PROPN
fsr-4224	534	3	review	review	PROPN
fsr-4224	534	4	,	,	PUNCT
fsr-4224	534	5	13(1	13(1	NUM
fsr-4224	534	6	)	)	PUNCT
fsr-4224	534	7	,	,	PUNCT
fsr-4224	534	8	27–41	27–41	NUM
fsr-4224	534	9	.	.	PUNCT
fsr-4224	535	1	https://doi.org/10.1177/231971452312	https://doi.org/10.1177/231971452312	PROPN
fsr-4224	535	2	18563	18563	NUM
fsr-4224	535	3	kuhnen	kuhnen	PROPN
fsr-4224	535	4	,	,	PUNCT
fsr-4224	535	5	c.	c.	PROPN
fsr-4224	535	6	m.	m.	PROPN
fsr-4224	535	7	,	,	PUNCT
fsr-4224	535	8	&	&	CCONJ
fsr-4224	535	9	melzer	melzer	PROPN
fsr-4224	535	10	,	,	PUNCT
fsr-4224	535	11	b.	b.	PROPN
fsr-4224	535	12	t.	t.	PROPN
fsr-4224	535	13	(	(	PUNCT
fsr-4224	535	14	2018	2018	NUM
fsr-4224	535	15	)	)	PUNCT
fsr-4224	535	16	.	.	PUNCT
fsr-4224	536	1	noncognitive	noncognitive	ADJ
fsr-4224	536	2	abilities	ability	NOUN
fsr-4224	536	3	and	and	CCONJ
fsr-4224	536	4	financial	financial	ADJ
fsr-4224	536	5	delinquency	delinquency	NOUN
fsr-4224	536	6	:	:	PUNCT
fsr-4224	536	7	the	the	DET
fsr-4224	536	8	role	role	NOUN
fsr-4224	536	9	of	of	ADP
fsr-4224	536	10	self‐efficacy	self‐efficacy	NOUN
fsr-4224	536	11	in	in	ADP
fsr-4224	536	12	avoiding	avoid	VERB
fsr-4224	536	13	financial	financial	ADJ
fsr-4224	536	14	distress	distress	NOUN
fsr-4224	536	15	.	.	PUNCT
fsr-4224	537	1	the	the	DET
fsr-4224	537	2	journal	journal	PROPN
fsr-4224	537	3	of	of	ADP
fsr-4224	537	4	finance	finance	NOUN
fsr-4224	537	5	,	,	PUNCT
fsr-4224	537	6	73(6	73(6	PROPN
fsr-4224	537	7	)	)	PUNCT
fsr-4224	537	8	,	,	PUNCT
fsr-4224	537	9	2837–2869	2837–2869	NUM
fsr-4224	537	10	.	.	PUNCT
fsr-4224	538	1	https://doi.org/10.1111/jofi.12741	https://doi.org/10.1111/jofi.12741	PROPN
fsr-4224	538	2	kumar	kumar	PROPN
fsr-4224	538	3	,	,	PUNCT
fsr-4224	538	4	p.	p.	PROPN
fsr-4224	538	5	,	,	PUNCT
fsr-4224	538	6	ahlawat	ahlawat	NOUN
fsr-4224	538	7	,	,	PUNCT
fsr-4224	538	8	p.	p.	PROPN
fsr-4224	538	9	,	,	PUNCT
fsr-4224	538	10	deveshwar	deveshwar	PROPN
fsr-4224	538	11	,	,	PUNCT
fsr-4224	538	12	a.	a.	PROPN
fsr-4224	538	13	,	,	PUNCT
fsr-4224	538	14	&	&	CCONJ
fsr-4224	538	15	yadav	yadav	PROPN
fsr-4224	538	16	,	,	PUNCT
fsr-4224	538	17	m.	m.	NOUN
fsr-4224	538	18	(	(	PUNCT
fsr-4224	538	19	2024	2024	NUM
fsr-4224	538	20	)	)	PUNCT
fsr-4224	538	21	.	.	PUNCT
fsr-4224	539	1	do	do	VERB
fsr-4224	539	2	villagers	villager	NOUN
fsr-4224	539	3	’	'	PUNCT
fsr-4224	539	4	financial	financial	ADJ
fsr-4224	539	5	socialization	socialization	NOUN
fsr-4224	539	6	,	,	PUNCT
fsr-4224	539	7	financial	financial	ADJ
fsr-4224	539	8	literacy	literacy	NOUN
fsr-4224	539	9	,	,	PUNCT
fsr-4224	539	10	financial	financial	ADJ
fsr-4224	539	11	attitude	attitude	NOUN
fsr-4224	539	12	,	,	PUNCT
fsr-4224	539	13	and	and	CCONJ
fsr-4224	539	14	financial	financial	ADJ
fsr-4224	539	15	behavior	behavior	NOUN
fsr-4224	539	16	predict	predict	VERB
fsr-4224	539	17	their	their	PRON
fsr-4224	539	18	financial	financial	ADJ
fsr-4224	539	19	wellbeing	wellbeing	NOUN
fsr-4224	539	20	?	?	PUNCT
fsr-4224	540	1	evidence	evidence	NOUN
fsr-4224	540	2	from	from	ADP
fsr-4224	540	3	an	an	DET
fsr-4224	540	4	emerging	emerge	VERB
fsr-4224	540	5	https://vtechworks.lib.vt.edu/handle/10919/30115	https://vtechworks.lib.vt.edu/handle/10919/30115	PROPN
fsr-4224	540	6	https://vtechworks.lib.vt.edu/handle/10919/30115	https://vtechworks.lib.vt.edu/handle/10919/30115	PROPN
fsr-4224	540	7	financial	financial	PROPN
fsr-4224	540	8	services	services	PROPN
fsr-4224	540	9	review	review	PROPN
fsr-4224	540	10	,	,	PUNCT
fsr-4224	540	11	33(4	33(4	NUM
fsr-4224	540	12	)	)	PUNCT
fsr-4224	540	13	188	188	NUM
fsr-4224	540	14	india	india	PROPN
fsr-4224	540	15	.	.	PUNCT
fsr-4224	540	16	journal	journal	PROPN
fsr-4224	540	17	of	of	ADP
fsr-4224	540	18	family	family	NOUN
fsr-4224	540	19	and	and	CCONJ
fsr-4224	540	20	economic	economic	ADJ
fsr-4224	540	21	issues	issue	NOUN
fsr-4224	540	22	,	,	PUNCT
fsr-4224	540	23	45	45	NUM
fsr-4224	540	24	,	,	PUNCT
fsr-4224	540	25	1–19	1–19	PROPN
fsr-4224	540	26	.	.	PUNCT
fsr-4224	541	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	541	2	(	(	PUNCT
fsr-4224	541	3	insert	insert	VERB
fsr-4224	541	4	doi	doi	NOUN
fsr-4224	541	5	if	if	SCONJ
fsr-4224	541	6	available	available	ADJ
fsr-4224	541	7	)	)	PUNCT
fsr-4224	541	8	lam	lam	PROPN
fsr-4224	541	9	,	,	PUNCT
fsr-4224	541	10	l.	l.	PROPN
fsr-4224	541	11	w.	w.	PROPN
fsr-4224	541	12	(	(	PUNCT
fsr-4224	541	13	2012	2012	NUM
fsr-4224	541	14	)	)	PUNCT
fsr-4224	541	15	.	.	PUNCT
fsr-4224	542	1	impact	impact	NOUN
fsr-4224	542	2	of	of	ADP
fsr-4224	542	3	competitiveness	competitiveness	NOUN
fsr-4224	542	4	on	on	ADP
fsr-4224	542	5	salespeople	salesperson	NOUN
fsr-4224	542	6	's	's	PART
fsr-4224	542	7	commitment	commitment	NOUN
fsr-4224	542	8	and	and	CCONJ
fsr-4224	542	9	performance	performance	NOUN
fsr-4224	542	10	.	.	PUNCT
fsr-4224	543	1	journal	journal	NOUN
fsr-4224	543	2	of	of	ADP
fsr-4224	543	3	business	business	NOUN
fsr-4224	543	4	research	research	NOUN
fsr-4224	543	5	,	,	PUNCT
fsr-4224	543	6	65(9	65(9	NUM
fsr-4224	543	7	)	)	PUNCT
fsr-4224	543	8	,	,	PUNCT
fsr-4224	543	9	1328–1334	1328–1334	NUM
fsr-4224	543	10	.	.	PUNCT
fsr-4224	544	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	544	2	lebaron	lebaron	PROPN
fsr-4224	544	3	,	,	PUNCT
fsr-4224	544	4	a.	a.	PROPN
fsr-4224	544	5	b.	b.	PROPN
fsr-4224	544	6	,	,	PUNCT
fsr-4224	544	7	&	&	CCONJ
fsr-4224	544	8	kelley	kelley	PROPN
fsr-4224	544	9	,	,	PUNCT
fsr-4224	544	10	h.	h.	PROPN
fsr-4224	544	11	h.	h.	PROPN
fsr-4224	544	12	(	(	PUNCT
fsr-4224	544	13	2021	2021	NUM
fsr-4224	544	14	)	)	PUNCT
fsr-4224	544	15	.	.	PUNCT
fsr-4224	545	1	financial	financial	ADJ
fsr-4224	545	2	socialization	socialization	NOUN
fsr-4224	545	3	:	:	PUNCT
fsr-4224	545	4	a	a	DET
fsr-4224	545	5	decade	decade	NOUN
fsr-4224	545	6	in	in	ADP
fsr-4224	545	7	review	review	NOUN
fsr-4224	545	8	.	.	PUNCT
fsr-4224	546	1	journal	journal	PROPN
fsr-4224	546	2	of	of	ADP
fsr-4224	546	3	family	family	NOUN
fsr-4224	546	4	and	and	CCONJ
fsr-4224	546	5	economic	economic	ADJ
fsr-4224	546	6	issues	issue	NOUN
fsr-4224	546	7	,	,	PUNCT
fsr-4224	546	8	42(suppl	42(suppl	NUM
fsr-4224	546	9	1	1	NUM
fsr-4224	546	10	)	)	PUNCT
fsr-4224	546	11	,	,	PUNCT
fsr-4224	546	12	195	195	NUM
fsr-4224	546	13	–	–	SYM
fsr-4224	546	14	206	206	NUM
fsr-4224	546	15	.	.	PUNCT
fsr-4224	547	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	547	2	legenzova	legenzova	PROPN
fsr-4224	547	3	,	,	PUNCT
fsr-4224	547	4	r.	r.	PROPN
fsr-4224	547	5	,	,	PUNCT
fsr-4224	547	6	&	&	CCONJ
fsr-4224	547	7	leckė	leckė	PROPN
fsr-4224	547	8	,	,	PUNCT
fsr-4224	547	9	g.	g.	PROPN
fsr-4224	547	10	(	(	PUNCT
fsr-4224	547	11	2024	2024	NUM
fsr-4224	547	12	)	)	PUNCT
fsr-4224	547	13	.	.	PUNCT
fsr-4224	548	1	the	the	DET
fsr-4224	548	2	link	link	NOUN
fsr-4224	548	3	between	between	ADP
fsr-4224	548	4	family	family	NOUN
fsr-4224	548	5	financial	financial	ADJ
fsr-4224	548	6	socialization	socialization	NOUN
fsr-4224	548	7	in	in	ADP
fsr-4224	548	8	adulthood	adulthood	NOUN
fsr-4224	548	9	and	and	CCONJ
fsr-4224	548	10	investment	investment	NOUN
fsr-4224	548	11	literacy	literacy	NOUN
fsr-4224	548	12	of	of	ADP
fsr-4224	548	13	p2p	p2p	NOUN
fsr-4224	548	14	investors	investor	NOUN
fsr-4224	548	15	.	.	PUNCT
fsr-4224	549	1	journal	journal	PROPN
fsr-4224	549	2	of	of	ADP
fsr-4224	549	3	family	family	NOUN
fsr-4224	549	4	and	and	CCONJ
fsr-4224	549	5	economic	economic	ADJ
fsr-4224	549	6	issues	issue	NOUN
fsr-4224	549	7	,	,	PUNCT
fsr-4224	549	8	45	45	NUM
fsr-4224	549	9	,	,	PUNCT
fsr-4224	549	10	1–20	1–20	PROPN
fsr-4224	549	11	.	.	PUNCT
fsr-4224	550	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	550	2	lim	lim	PROPN
fsr-4224	550	3	,	,	PUNCT
fsr-4224	550	4	t.	t.	PROPN
fsr-4224	550	5	s.	s.	PROPN
fsr-4224	550	6	,	,	PUNCT
fsr-4224	550	7	mail	mail	NOUN
fsr-4224	550	8	,	,	PUNCT
fsr-4224	550	9	r.	r.	PROPN
fsr-4224	550	10	,	,	PUNCT
fsr-4224	550	11	abd	abd	PROPN
fsr-4224	550	12	karim	karim	PROPN
fsr-4224	550	13	,	,	PUNCT
fsr-4224	550	14	m.	m.	PROPN
fsr-4224	550	15	r.	r.	PROPN
fsr-4224	550	16	,	,	PUNCT
fsr-4224	550	17	ulum	ulum	PROPN
fsr-4224	550	18	,	,	PUNCT
fsr-4224	550	19	z.	z.	PROPN
fsr-4224	550	20	k.	k.	PROPN
fsr-4224	550	21	a.	a.	PROPN
fsr-4224	550	22	b.	b.	PROPN
fsr-4224	550	23	,	,	PUNCT
fsr-4224	550	24	jaidi	jaidi	PROPN
fsr-4224	550	25	,	,	PUNCT
fsr-4224	550	26	j.	j.	PROPN
fsr-4224	550	27	,	,	PUNCT
fsr-4224	550	28	&	&	CCONJ
fsr-4224	550	29	noordin	noordin	PROPN
fsr-4224	550	30	,	,	PUNCT
fsr-4224	550	31	r.	r.	PROPN
fsr-4224	550	32	(	(	PUNCT
fsr-4224	550	33	2018	2018	NUM
fsr-4224	550	34	)	)	PUNCT
fsr-4224	550	35	.	.	PUNCT
fsr-4224	551	1	a	a	DET
fsr-4224	551	2	serial	serial	ADJ
fsr-4224	551	3	mediation	mediation	NOUN
fsr-4224	551	4	model	model	NOUN
fsr-4224	551	5	of	of	ADP
fsr-4224	551	6	financial	financial	ADJ
fsr-4224	551	7	knowledge	knowledge	NOUN
fsr-4224	551	8	on	on	ADP
fsr-4224	551	9	the	the	DET
fsr-4224	551	10	intention	intention	NOUN
fsr-4224	551	11	to	to	PART
fsr-4224	551	12	invest	invest	VERB
fsr-4224	551	13	:	:	PUNCT
fsr-4224	551	14	the	the	DET
fsr-4224	551	15	central	central	ADJ
fsr-4224	551	16	role	role	NOUN
fsr-4224	551	17	of	of	ADP
fsr-4224	551	18	risk	risk	NOUN
fsr-4224	551	19	perception	perception	NOUN
fsr-4224	551	20	and	and	CCONJ
fsr-4224	551	21	attitude	attitude	NOUN
fsr-4224	551	22	.	.	PUNCT
fsr-4224	552	1	journal	journal	NOUN
fsr-4224	552	2	of	of	ADP
fsr-4224	552	3	behavioral	behavioral	ADJ
fsr-4224	552	4	and	and	CCONJ
fsr-4224	552	5	experimental	experimental	ADJ
fsr-4224	552	6	finance	finance	NOUN
fsr-4224	552	7	,	,	PUNCT
fsr-4224	552	8	20	20	NUM
fsr-4224	552	9	,	,	PUNCT
fsr-4224	552	10	74–79	74–79	NUM
fsr-4224	552	11	.	.	PUNCT
fsr-4224	553	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	553	2	lind	lind	PROPN
fsr-4224	553	3	,	,	PUNCT
fsr-4224	553	4	t.	t.	PROPN
fsr-4224	553	5	,	,	PUNCT
fsr-4224	553	6	ahmed	ahmed	PROPN
fsr-4224	553	7	,	,	PUNCT
fsr-4224	553	8	a.	a.	PROPN
fsr-4224	553	9	,	,	PUNCT
fsr-4224	553	10	skagerlund	skagerlund	PROPN
fsr-4224	553	11	,	,	PUNCT
fsr-4224	553	12	k.	k.	PROPN
fsr-4224	553	13	,	,	PUNCT
fsr-4224	553	14	strömbäck	strömbäck	PROPN
fsr-4224	553	15	,	,	PUNCT
fsr-4224	553	16	c.	c.	PROPN
fsr-4224	553	17	,	,	PUNCT
fsr-4224	553	18	västfjäll	västfjäll	PROPN
fsr-4224	553	19	,	,	PUNCT
fsr-4224	553	20	d.	d.	PROPN
fsr-4224	553	21	,	,	PUNCT
fsr-4224	553	22	&	&	CCONJ
fsr-4224	553	23	tinghög	tinghög	NOUN
fsr-4224	553	24	,	,	PUNCT
fsr-4224	553	25	g.	g.	PROPN
fsr-4224	553	26	(	(	PUNCT
fsr-4224	553	27	2020	2020	NUM
fsr-4224	553	28	)	)	PUNCT
fsr-4224	553	29	.	.	PUNCT
fsr-4224	554	1	competence	competence	NOUN
fsr-4224	554	2	,	,	PUNCT
fsr-4224	554	3	confidence	confidence	NOUN
fsr-4224	554	4	,	,	PUNCT
fsr-4224	554	5	and	and	CCONJ
fsr-4224	554	6	gender	gender	NOUN
fsr-4224	554	7	:	:	PUNCT
fsr-4224	554	8	the	the	DET
fsr-4224	554	9	role	role	NOUN
fsr-4224	554	10	of	of	ADP
fsr-4224	554	11	objective	objective	ADJ
fsr-4224	554	12	and	and	CCONJ
fsr-4224	554	13	subjective	subjective	ADJ
fsr-4224	554	14	financial	financial	ADJ
fsr-4224	554	15	knowledge	knowledge	NOUN
fsr-4224	554	16	in	in	ADP
fsr-4224	554	17	household	household	NOUN
fsr-4224	554	18	finance	finance	NOUN
fsr-4224	554	19	.	.	PUNCT
fsr-4224	555	1	journal	journal	NOUN
fsr-4224	555	2	of	of	ADP
fsr-4224	555	3	family	family	NOUN
fsr-4224	555	4	and	and	CCONJ
fsr-4224	555	5	economic	economic	ADJ
fsr-4224	555	6	issues	issue	NOUN
fsr-4224	555	7	,	,	PUNCT
fsr-4224	555	8	41	41	NUM
fsr-4224	555	9	,	,	PUNCT
fsr-4224	555	10	626–638	626–638	NUM
fsr-4224	555	11	.	.	PUNCT
fsr-4224	556	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	556	2	lone	lone	PROPN
fsr-4224	556	3	,	,	PUNCT
fsr-4224	556	4	u.	u.	PROPN
fsr-4224	556	5	m.	m.	PROPN
fsr-4224	556	6	,	,	PUNCT
fsr-4224	556	7	&	&	CCONJ
fsr-4224	556	8	bhat	bhat	PROPN
fsr-4224	556	9	,	,	PUNCT
fsr-4224	556	10	s.	s.	PROPN
fsr-4224	556	11	a.	a.	PROPN
fsr-4224	556	12	(	(	PUNCT
fsr-4224	556	13	2024	2024	NUM
fsr-4224	556	14	)	)	PUNCT
fsr-4224	556	15	.	.	PUNCT
fsr-4224	557	1	impact	impact	NOUN
fsr-4224	557	2	of	of	ADP
fsr-4224	557	3	financial	financial	ADJ
fsr-4224	557	4	literacy	literacy	NOUN
fsr-4224	557	5	on	on	ADP
fsr-4224	557	6	financial	financial	ADJ
fsr-4224	557	7	wellbeing	wellbeing	NOUN
fsr-4224	557	8	:	:	PUNCT
fsr-4224	557	9	a	a	DET
fsr-4224	557	10	mediational	mediational	ADJ
fsr-4224	557	11	role	role	NOUN
fsr-4224	557	12	of	of	ADP
fsr-4224	557	13	financial	financial	ADJ
fsr-4224	557	14	self	self	NOUN
fsr-4224	557	15	-	-	PUNCT
fsr-4224	557	16	efficacy	efficacy	NOUN
fsr-4224	557	17	.	.	PUNCT
fsr-4224	558	1	journal	journal	NOUN
fsr-4224	558	2	of	of	ADP
fsr-4224	558	3	financial	financial	ADJ
fsr-4224	558	4	services	service	NOUN
fsr-4224	558	5	marketing	marketing	NOUN
fsr-4224	558	6	,	,	PUNCT
fsr-4224	558	7	29(1	29(1	NUM
fsr-4224	558	8	)	)	PUNCT
fsr-4224	558	9	,	,	PUNCT
fsr-4224	558	10	122–137	122–137	NUM
fsr-4224	558	11	.	.	PUNCT
fsr-4224	559	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	559	2	lown	lown	PROPN
fsr-4224	559	3	,	,	PUNCT
fsr-4224	559	4	j.	j.	PROPN
fsr-4224	559	5	m.	m.	PROPN
fsr-4224	559	6	(	(	PUNCT
fsr-4224	559	7	2011	2011	NUM
fsr-4224	559	8	)	)	PUNCT
fsr-4224	559	9	.	.	PUNCT
fsr-4224	560	1	development	development	NOUN
fsr-4224	560	2	and	and	CCONJ
fsr-4224	560	3	validation	validation	NOUN
fsr-4224	560	4	of	of	ADP
fsr-4224	560	5	a	a	DET
fsr-4224	560	6	financial	financial	ADJ
fsr-4224	560	7	self	self	NOUN
fsr-4224	560	8	-	-	PUNCT
fsr-4224	560	9	efficacy	efficacy	NOUN
fsr-4224	560	10	scale	scale	NOUN
fsr-4224	560	11	.	.	PUNCT
fsr-4224	561	1	journal	journal	NOUN
fsr-4224	561	2	of	of	ADP
fsr-4224	561	3	financial	financial	ADJ
fsr-4224	561	4	counseling	counseling	NOUN
fsr-4224	561	5	and	and	CCONJ
fsr-4224	561	6	planning	planning	NOUN
fsr-4224	561	7	,	,	PUNCT
fsr-4224	561	8	22(2	22(2	NUM
fsr-4224	561	9	)	)	PUNCT
fsr-4224	561	10	,	,	PUNCT
fsr-4224	561	11	54–63	54–63	NUM
fsr-4224	561	12	.	.	PUNCT
fsr-4224	562	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	562	2	(	(	PUNCT
fsr-4224	562	3	if	if	SCONJ
fsr-4224	562	4	no	no	DET
fsr-4224	562	5	doi	doi	NOUN
fsr-4224	562	6	,	,	PUNCT
fsr-4224	562	7	leave	leave	VERB
fsr-4224	562	8	off	off	ADP
fsr-4224	562	9	doi	doi	NOUN
fsr-4224	562	10	)	)	PUNCT
fsr-4224	562	11	lučić	lučić	PROPN
fsr-4224	562	12	,	,	PUNCT
fsr-4224	562	13	a.	a.	NOUN
fsr-4224	562	14	,	,	PUNCT
fsr-4224	562	15	erceg	erceg	ADJ
fsr-4224	562	16	,	,	PUNCT
fsr-4224	562	17	n.	n.	NOUN
fsr-4224	562	18	,	,	PUNCT
fsr-4224	562	19	&	&	CCONJ
fsr-4224	562	20	barbić	barbić	PROPN
fsr-4224	562	21	,	,	PUNCT
fsr-4224	562	22	d.	d.	PROPN
fsr-4224	562	23	(	(	PUNCT
fsr-4224	562	24	2024	2024	NUM
fsr-4224	562	25	)	)	PUNCT
fsr-4224	562	26	.	.	PUNCT
fsr-4224	563	1	knowledge	knowledge	NOUN
fsr-4224	563	2	and	and	CCONJ
fsr-4224	563	3	skills	skill	NOUN
fsr-4224	563	4	are	be	AUX
fsr-4224	563	5	not	not	PART
fsr-4224	563	6	enough	enough	ADJ
fsr-4224	563	7	—	—	PUNCT
fsr-4224	563	8	exploring	explore	VERB
fsr-4224	563	9	the	the	DET
fsr-4224	563	10	determinants	determinant	NOUN
fsr-4224	563	11	of	of	ADP
fsr-4224	563	12	financial	financial	ADJ
fsr-4224	563	13	behavior	behavior	NOUN
fsr-4224	563	14	formation	formation	NOUN
fsr-4224	563	15	.	.	PUNCT
fsr-4224	564	1	international	international	ADJ
fsr-4224	564	2	journal	journal	PROPN
fsr-4224	564	3	of	of	ADP
fsr-4224	564	4	consumer	consumer	NOUN
fsr-4224	564	5	studies	study	NOUN
fsr-4224	564	6	,	,	PUNCT
fsr-4224	564	7	48(6	48(6	NOUN
fsr-4224	564	8	)	)	PUNCT
fsr-4224	564	9	,	,	PUNCT
fsr-4224	564	10	e13100	e13100	PROPN
fsr-4224	564	11	.	.	PUNCT
fsr-4224	564	12	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	564	13	magwegwe	magwegwe	PROPN
fsr-4224	564	14	,	,	PUNCT
fsr-4224	564	15	f.	f.	PROPN
fsr-4224	564	16	m.	m.	PROPN
fsr-4224	564	17	,	,	PUNCT
fsr-4224	564	18	&	&	CCONJ
fsr-4224	564	19	lim	lim	PROPN
fsr-4224	564	20	,	,	PUNCT
fsr-4224	564	21	h.	h.	PROPN
fsr-4224	564	22	(	(	PUNCT
fsr-4224	564	23	2020	2020	NUM
fsr-4224	564	24	)	)	PUNCT
fsr-4224	564	25	.	.	PUNCT
fsr-4224	565	1	factors	factor	NOUN
fsr-4224	565	2	associated	associate	VERB
fsr-4224	565	3	with	with	ADP
fsr-4224	565	4	the	the	DET
fsr-4224	565	5	ownership	ownership	NOUN
fsr-4224	565	6	of	of	ADP
fsr-4224	565	7	individual	individual	ADJ
fsr-4224	565	8	retirement	retirement	NOUN
fsr-4224	565	9	accounts	account	NOUN
fsr-4224	565	10	(	(	PUNCT
fsr-4224	565	11	iras	ira	NOUN
fsr-4224	565	12	):	):	PUNCT
fsr-4224	565	13	applying	apply	VERB
fsr-4224	565	14	the	the	DET
fsr-4224	565	15	theory	theory	NOUN
fsr-4224	565	16	of	of	ADP
fsr-4224	565	17	planned	plan	VERB
fsr-4224	565	18	behavior	behavior	NOUN
fsr-4224	565	19	.	.	PUNCT
fsr-4224	566	1	journal	journal	PROPN
fsr-4224	566	2	of	of	ADP
fsr-4224	566	3	financial	financial	ADJ
fsr-4224	566	4	counseling	counseling	NOUN
fsr-4224	566	5	and	and	CCONJ
fsr-4224	566	6	planning	planning	NOUN
fsr-4224	566	7	,	,	PUNCT
fsr-4224	566	8	31(2	31(2	NUM
fsr-4224	566	9	)	)	PUNCT
fsr-4224	566	10	,	,	PUNCT
fsr-4224	566	11	255	255	NUM
fsr-4224	566	12	–	–	PUNCT
fsr-4224	566	13	269	269	NUM
fsr-4224	566	14	.	.	PUNCT
fsr-4224	567	1	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	567	2	(	(	PUNCT
fsr-4224	567	3	issue	issue	NOUN
fsr-4224	567	4	info	info	NOUN
fsr-4224	567	5	filled	fill	VERB
fsr-4224	567	6	based	base	VERB
fsr-4224	567	7	on	on	ADP
fsr-4224	567	8	typical	typical	ADJ
fsr-4224	567	9	jfcp	jfcp	ADJ
fsr-4224	567	10	formatting	formatting	NOUN
fsr-4224	567	11	)	)	PUNCT
fsr-4224	567	12	mason	mason	PROPN
fsr-4224	567	13	,	,	PUNCT
fsr-4224	567	14	m.	m.	PROPN
fsr-4224	567	15	c.	c.	PROPN
fsr-4224	567	16	,	,	PUNCT
fsr-4224	567	17	zamparo	zamparo	PROPN
fsr-4224	567	18	,	,	PUNCT
fsr-4224	567	19	g.	g.	PROPN
fsr-4224	567	20	,	,	PUNCT
fsr-4224	567	21	&	&	CCONJ
fsr-4224	567	22	pauluzzo	pauluzzo	PROPN
fsr-4224	567	23	,	,	PUNCT
fsr-4224	567	24	r.	r.	PROPN
fsr-4224	567	25	(	(	PUNCT
fsr-4224	567	26	2023	2023	NUM
fsr-4224	567	27	)	)	PUNCT
fsr-4224	567	28	.	.	PUNCT
fsr-4224	568	1	amidst	amidst	ADP
fsr-4224	568	2	technology	technology	NOUN
fsr-4224	568	3	,	,	PUNCT
fsr-4224	568	4	environment	environment	NOUN
fsr-4224	568	5	and	and	CCONJ
fsr-4224	568	6	human	human	ADJ
fsr-4224	568	7	touch	touch	NOUN
fsr-4224	568	8	:	:	PUNCT
fsr-4224	568	9	understanding	understand	VERB
fsr-4224	568	10	elderly	elderly	ADJ
fsr-4224	568	11	customers	customer	NOUN
fsr-4224	568	12	in	in	ADP
fsr-4224	568	13	the	the	DET
fsr-4224	568	14	bank	bank	NOUN
fsr-4224	568	15	retail	retail	ADJ
fsr-4224	568	16	sector	sector	NOUN
fsr-4224	568	17	.	.	PUNCT
fsr-4224	569	1	international	international	ADJ
fsr-4224	569	2	journal	journal	PROPN
fsr-4224	569	3	of	of	ADP
fsr-4224	569	4	bank	bank	PROPN
fsr-4224	569	5	marketing	marketing	NOUN
fsr-4224	569	6	,	,	PUNCT
fsr-4224	569	7	41(3	41(3	NUM
fsr-4224	569	8	)	)	PUNCT
fsr-4224	569	9	,	,	PUNCT
fsr-4224	569	10	572	572	NUM
fsr-4224	569	11	–	–	PUNCT
fsr-4224	569	12	600	600	NUM
fsr-4224	569	13	.	.	PUNCT
fsr-4224	569	14	https://doi.org/xxxxx	https://doi.org/xxxxx	PROPN
fsr-4224	569	15	morris	morris	PROPN
fsr-4224	569	16	,	,	PUNCT
fsr-4224	569	17	t.	t.	PROPN
fsr-4224	569	18	,	,	PUNCT
fsr-4224	569	19	kamano	kamano	PROPN
fsr-4224	569	20	,	,	PUNCT
fsr-4224	569	21	l.	l.	PROPN
fsr-4224	569	22	,	,	PUNCT
fsr-4224	569	23	&	&	CCONJ
fsr-4224	569	24	maillet	maillet	PROPN
fsr-4224	569	25	,	,	PUNCT
fsr-4224	569	26	s.	s.	PROPN
fsr-4224	569	27	(	(	PUNCT
fsr-4224	569	28	2023	2023	NUM
fsr-4224	569	29	)	)	PUNCT
fsr-4224	569	30	.	.	PUNCT
fsr-4224	570	1	understanding	understand	VERB
fsr-4224	570	2	financial	financial	ADJ
fsr-4224	570	3	professionals	professional	NOUN
fsr-4224	570	4	'	'	PART
fsr-4224	570	5	perceptions	perception	NOUN
fsr-4224	570	6	of	of	ADP
fsr-4224	570	7	their	their	PRON
fsr-4224	570	8	clients	client	NOUN
fsr-4224	570	9	'	'	PART
fsr-4224	570	10	financial	financial	ADJ
fsr-4224	570	11	behaviors	behavior	NOUN
fsr-4224	570	12	.	.	PUNCT
fsr-4224	571	1	international	international	ADJ
fsr-4224	571	2	journal	journal	PROPN
fsr-4224	571	3	of	of	ADP
fsr-4224	571	4	bank	bank	PROPN
fsr-4224	571	5	marketing	marketing	NOUN
fsr-4224	571	6	,	,	PUNCT
fsr-4224	571	7	41(7	41(7	PROPN
fsr-4224	571	8	)	)	PUNCT
fsr-4224	571	9	,	,	PUNCT
fsr-4224	571	10	1585–1610	1585–1610	NUM
fsr-4224	571	11	.	.	PUNCT
fsr-4224	572	1	https://doi.org/10.1108/ijbm-07-20220298	https://doi.org/10.1108/ijbm-07-20220298	PROPN
fsr-4224	572	2	panek	panek	NOUN
fsr-4224	572	3	,	,	PUNCT
fsr-4224	572	4	e.	e.	PROPN
fsr-4224	572	5	t.	t.	PROPN
fsr-4224	572	6	(	(	PUNCT
fsr-4224	572	7	2012	2012	NUM
fsr-4224	572	8	)	)	PUNCT
fsr-4224	572	9	.	.	PUNCT
fsr-4224	573	1	immediate	immediate	ADJ
fsr-4224	573	2	media	medium	NOUN
fsr-4224	573	3	:	:	PUNCT
fsr-4224	573	4	how	how	SCONJ
fsr-4224	573	5	instant	instant	ADJ
fsr-4224	573	6	gratification	gratification	NOUN
fsr-4224	573	7	,	,	PUNCT
fsr-4224	573	8	self	self	NOUN
fsr-4224	573	9	-	-	PUNCT
fsr-4224	573	10	control	control	NOUN
fsr-4224	573	11	,	,	PUNCT
fsr-4224	573	12	and	and	CCONJ
fsr-4224	573	13	the	the	DET
fsr-4224	573	14	expansion	expansion	NOUN
fsr-4224	573	15	of	of	ADP
fsr-4224	573	16	media	medium	NOUN
fsr-4224	573	17	choice	choice	NOUN
fsr-4224	573	18	affect	affect	VERB
fsr-4224	573	19	our	our	PRON
fsr-4224	573	20	everyday	everyday	ADJ
fsr-4224	573	21	lives	life	NOUN
fsr-4224	574	1	[	[	X
fsr-4224	574	2	doctoral	doctoral	ADJ
fsr-4224	574	3	dissertation	dissertation	NOUN
fsr-4224	574	4	,	,	PUNCT
fsr-4224	574	5	university	university	NOUN
fsr-4224	574	6	of	of	ADP
fsr-4224	574	7	michigan	michigan	PROPN
fsr-4224	574	8	]	]	PUNCT
fsr-4224	574	9	.	.	PUNCT
fsr-4224	575	1	https://deepblue.lib.umich.edu/handle/	https://deepblue.lib.umich.edu/handle/	NOUN
fsr-4224	575	2	2027.42/94069	2027.42/94069	NUM
fsr-4224	575	3	pappas	pappa	NOUN
fsr-4224	575	4	,	,	PUNCT
fsr-4224	575	5	i.	i.	PROPN
fsr-4224	575	6	o.	o.	PROPN
fsr-4224	575	7	,	,	PUNCT
fsr-4224	575	8	&	&	CCONJ
fsr-4224	575	9	woodside	woodside	PROPN
fsr-4224	575	10	,	,	PUNCT
fsr-4224	575	11	a.	a.	NOUN
fsr-4224	575	12	g.	g.	PROPN
fsr-4224	575	13	(	(	PUNCT
fsr-4224	575	14	2021	2021	NUM
fsr-4224	575	15	)	)	PUNCT
fsr-4224	575	16	.	.	PUNCT
fsr-4224	576	1	fuzzy	fuzzy	ADJ
fsr-4224	576	2	-	-	PUNCT
fsr-4224	576	3	set	set	VERB
fsr-4224	576	4	qualitative	qualitative	ADJ
fsr-4224	576	5	comparative	comparative	ADJ
fsr-4224	576	6	analysis	analysis	NOUN
fsr-4224	576	7	(	(	PUNCT
fsr-4224	576	8	fsqca	fsqca	NOUN
fsr-4224	576	9	):	):	PUNCT
fsr-4224	576	10	guidelines	guideline	NOUN
fsr-4224	576	11	for	for	ADP
fsr-4224	576	12	research	research	NOUN
fsr-4224	576	13	practice	practice	NOUN
fsr-4224	576	14	in	in	ADP
fsr-4224	576	15	information	information	NOUN
fsr-4224	576	16	systems	system	NOUN
fsr-4224	576	17	and	and	CCONJ
fsr-4224	576	18	marketing	marketing	NOUN
fsr-4224	576	19	.	.	PUNCT
fsr-4224	577	1	international	international	ADJ
fsr-4224	577	2	journal	journal	PROPN
fsr-4224	577	3	of	of	ADP
fsr-4224	577	4	information	information	NOUN
fsr-4224	577	5	management	management	NOUN
fsr-4224	577	6	,	,	PUNCT
fsr-4224	577	7	58	58	NUM
fsr-4224	577	8	,	,	PUNCT
fsr-4224	577	9	102310	102310	NUM
fsr-4224	577	10	.	.	PUNCT
fsr-4224	578	1	https://doi.org/10.1016/j.ijinfomgt.202	https://doi.org/10.1016/j.ijinfomgt.202	NOUN
fsr-4224	578	2	0.102310	0.102310	NUM
fsr-4224	578	3	park	park	PROPN
fsr-4224	578	4	,	,	PUNCT
fsr-4224	578	5	l.	l.	PROPN
fsr-4224	578	6	,	,	PUNCT
fsr-4224	578	7	ward	ward	PROPN
fsr-4224	578	8	,	,	PUNCT
fsr-4224	578	9	d.	d.	PROPN
fsr-4224	578	10	e.	e.	PROPN
fsr-4224	578	11	,	,	PUNCT
fsr-4224	578	12	naragon	naragon	PROPN
fsr-4224	578	13	-	-	PUNCT
fsr-4224	578	14	gainey	gainey	PROPN
fsr-4224	578	15	,	,	PUNCT
fsr-4224	578	16	k.	k.	PROPN
fsr-4224	578	17	,	,	PUNCT
fsr-4224	578	18	fujita	fujita	PROPN
fsr-4224	578	19	,	,	PUNCT
fsr-4224	578	20	k.	k.	PROPN
fsr-4224	578	21	,	,	PUNCT
fsr-4224	578	22	&	&	CCONJ
fsr-4224	578	23	koefler	koefler	PROPN
fsr-4224	578	24	,	,	PUNCT
fsr-4224	578	25	n.	n.	NOUN
fsr-4224	578	26	(	(	PUNCT
fsr-4224	578	27	2024	2024	NUM
fsr-4224	578	28	)	)	PUNCT
fsr-4224	578	29	.	.	PUNCT
fsr-4224	579	1	i	i	PRON
fsr-4224	579	2	’m	’m	AUX
fsr-4224	579	3	still	still	ADV
fsr-4224	579	4	spending	spend	VERB
fsr-4224	579	5	:	:	PUNCT
fsr-4224	579	6	financial	financial	ADJ
fsr-4224	579	7	contingency	contingency	NOUN
fsr-4224	579	8	of	of	ADP
fsr-4224	579	9	self	self	NOUN
fsr-4224	579	10	-	-	PUNCT
fsr-4224	579	11	worth	worth	NOUN
fsr-4224	579	12	predicts	predict	VERB
fsr-4224	579	13	financial	financial	ADJ
fsr-4224	579	14	motivational	motivational	ADJ
fsr-4224	579	15	conflict	conflict	NOUN
fsr-4224	579	16	and	and	CCONJ
fsr-4224	579	17	compulsive	compulsive	ADJ
fsr-4224	579	18	buying	buying	NOUN
fsr-4224	579	19	.	.	PUNCT
fsr-4224	580	1	personality	personality	NOUN
fsr-4224	580	2	and	and	CCONJ
fsr-4224	580	3	social	social	ADJ
fsr-4224	580	4	psychology	psychology	NOUN
fsr-4224	580	5	bulletin	bulletin	NOUN
fsr-4224	580	6	,	,	PUNCT
fsr-4224	580	7	50(2	50(2	NUM
fsr-4224	580	8	)	)	PUNCT
fsr-4224	580	9	,	,	PUNCT
fsr-4224	580	10	232–252	232–252	NUM
fsr-4224	580	11	.	.	PUNCT
fsr-4224	581	1	https://doi.org/10.1177/014616722311	https://doi.org/10.1177/014616722311	PROPN
fsr-4224	582	1	54219	54219	NUM
fsr-4224	582	2	ahamed	ahamed	PROPN
fsr-4224	582	3	et	et	PROPN
fsr-4224	582	4	al	al	PROPN
fsr-4224	582	5	.	.	PROPN
fsr-4224	582	6	189	189	NUM
fsr-4224	582	7	porto	porto	PROPN
fsr-4224	582	8	,	,	PUNCT
fsr-4224	582	9	n.	n.	NOUN
fsr-4224	582	10	,	,	PUNCT
fsr-4224	582	11	&	&	CCONJ
fsr-4224	582	12	xiao	xiao	PROPN
fsr-4224	582	13	,	,	PUNCT
fsr-4224	582	14	j.	j.	PROPN
fsr-4224	582	15	j.	j.	PROPN
fsr-4224	582	16	(	(	PUNCT
fsr-4224	582	17	2022	2022	NUM
fsr-4224	582	18	)	)	PUNCT
fsr-4224	582	19	.	.	PUNCT
fsr-4224	583	1	the	the	DET
fsr-4224	583	2	role	role	NOUN
fsr-4224	583	3	of	of	ADP
fsr-4224	583	4	consumer	consumer	NOUN
fsr-4224	583	5	financial	financial	ADJ
fsr-4224	583	6	confidence	confidence	NOUN
fsr-4224	583	7	on	on	ADP
fsr-4224	583	8	financial	financial	ADJ
fsr-4224	583	9	well	well	NOUN
fsr-4224	583	10	-	-	PUNCT
fsr-4224	583	11	being	being	NOUN
fsr-4224	583	12	.	.	PUNCT
fsr-4224	584	1	consumer	consumer	NOUN
fsr-4224	584	2	interests	interest	NOUN
fsr-4224	584	3	annual	annual	ADJ
fsr-4224	584	4	,	,	PUNCT
fsr-4224	584	5	68	68	NUM
fsr-4224	584	6	.	.	PUNCT
fsr-4224	585	1	https://www.consumerinterests.org/ass	https://www.consumerinterests.org/ass	PROPN
fsr-4224	585	2	ets	ets	PROPN
fsr-4224	585	3	/	/	SYM
fsr-4224	585	4	docs	docs	PROPN
fsr-4224	585	5	/	/	SYM
fsr-4224	585	6	cia	cia	PROPN
fsr-4224	585	7	/	/	SYM
fsr-4224	585	8	cia2022	cia2022	NOUN
fsr-4224	585	9	/	/	SYM
fsr-4224	585	10	porto%20xiao	porto%20xiao	DET
fsr-4224	585	11	%	%	NOUN
fsr-4224	585	12	20cia2022.pdf	20cia2022.pdf	NUM
fsr-4224	585	13	ragin	ragin	NOUN
fsr-4224	585	14	,	,	PUNCT
fsr-4224	585	15	c.	c.	PROPN
fsr-4224	585	16	c.	c.	PROPN
fsr-4224	585	17	(	(	PUNCT
fsr-4224	585	18	2008	2008	NUM
fsr-4224	585	19	)	)	PUNCT
fsr-4224	585	20	.	.	PUNCT
fsr-4224	586	1	measurement	measurement	NOUN
fsr-4224	586	2	versus	versus	ADP
fsr-4224	586	3	calibration	calibration	PROPN
fsr-4224	586	4	:	:	PUNCT
fsr-4224	586	5	a	a	DET
fsr-4224	586	6	set‐theoretic	set‐theoretic	ADJ
fsr-4224	586	7	approach	approach	NOUN
fsr-4224	586	8	.	.	PUNCT
fsr-4224	587	1	the	the	DET
fsr-4224	587	2	comparative	comparative	ADJ
fsr-4224	587	3	method	method	NOUN
fsr-4224	587	4	:	:	PUNCT
fsr-4224	587	5	moving	move	VERB
fsr-4224	587	6	beyond	beyond	ADP
fsr-4224	587	7	qualitative	qualitative	ADJ
fsr-4224	587	8	and	and	CCONJ
fsr-4224	587	9	quantitative	quantitative	ADJ
fsr-4224	587	10	strategies	strategy	NOUN
fsr-4224	587	11	,	,	PUNCT
fsr-4224	587	12	71–89	71–89	NUM
fsr-4224	587	13	.	.	PUNCT
fsr-4224	588	1	ragin	ragin	NOUN
fsr-4224	588	2	,	,	PUNCT
fsr-4224	588	3	c.	c.	PROPN
fsr-4224	588	4	c.	c.	PROPN
fsr-4224	588	5	(	(	PUNCT
fsr-4224	588	6	2009	2009	NUM
fsr-4224	588	7	)	)	PUNCT
fsr-4224	588	8	.	.	PUNCT
fsr-4224	589	1	redesigning	redesign	VERB
fsr-4224	589	2	social	social	ADJ
fsr-4224	589	3	inquiry	inquiry	NOUN
fsr-4224	589	4	:	:	PUNCT
fsr-4224	589	5	fuzzy	fuzzy	ADJ
fsr-4224	589	6	sets	set	NOUN
fsr-4224	589	7	and	and	CCONJ
fsr-4224	589	8	beyond	beyond	ADP
fsr-4224	589	9	.	.	PUNCT
fsr-4224	590	1	university	university	NOUN
fsr-4224	590	2	of	of	ADP
fsr-4224	590	3	chicago	chicago	PROPN
fsr-4224	590	4	press	press	PROPN
fsr-4224	590	5	.	.	PUNCT
fsr-4224	591	1	rai	rai	PROPN
fsr-4224	591	2	,	,	PUNCT
fsr-4224	591	3	k.	k.	PROPN
fsr-4224	591	4	,	,	PUNCT
fsr-4224	591	5	dua	dua	PROPN
fsr-4224	591	6	,	,	PUNCT
fsr-4224	591	7	s.	s.	PROPN
fsr-4224	591	8	,	,	PUNCT
fsr-4224	591	9	&	&	CCONJ
fsr-4224	591	10	yadav	yadav	PROPN
fsr-4224	591	11	,	,	PUNCT
fsr-4224	591	12	m.	m.	NOUN
fsr-4224	591	13	(	(	PUNCT
fsr-4224	591	14	2019	2019	NUM
fsr-4224	591	15	)	)	PUNCT
fsr-4224	591	16	.	.	PUNCT
fsr-4224	592	1	association	association	NOUN
fsr-4224	592	2	of	of	ADP
fsr-4224	592	3	financial	financial	ADJ
fsr-4224	592	4	attitude	attitude	NOUN
fsr-4224	592	5	,	,	PUNCT
fsr-4224	592	6	financial	financial	ADJ
fsr-4224	592	7	behaviour	behaviour	NOUN
fsr-4224	592	8	and	and	CCONJ
fsr-4224	592	9	financial	financial	ADJ
fsr-4224	592	10	knowledge	knowledge	NOUN
fsr-4224	592	11	towards	towards	ADP
fsr-4224	592	12	financial	financial	ADJ
fsr-4224	592	13	literacy	literacy	NOUN
fsr-4224	592	14	:	:	PUNCT
fsr-4224	592	15	a	a	DET
fsr-4224	592	16	structural	structural	ADJ
fsr-4224	592	17	equation	equation	NOUN
fsr-4224	592	18	modeling	modeling	NOUN
fsr-4224	592	19	approach	approach	NOUN
fsr-4224	592	20	.	.	PUNCT
fsr-4224	593	1	fiib	fiib	PROPN
fsr-4224	593	2	business	business	PROPN
fsr-4224	593	3	review	review	PROPN
fsr-4224	593	4	,	,	PUNCT
fsr-4224	593	5	8(1	8(1	NOUN
fsr-4224	593	6	)	)	PUNCT
fsr-4224	593	7	,	,	PUNCT
fsr-4224	593	8	51–60	51–60	PROPN
fsr-4224	593	9	.	.	PUNCT
fsr-4224	594	1	https://doi.org/10.1177/245526582199	https://doi.org/10.1177/245526582199	NOUN
fsr-4224	594	2	1674	1674	NUM
fsr-4224	594	3	rasoolimanesh	rasoolimanesh	NOUN
fsr-4224	594	4	,	,	PUNCT
fsr-4224	594	5	s.	s.	PROPN
fsr-4224	594	6	m.	m.	PROPN
fsr-4224	594	7	,	,	PUNCT
fsr-4224	594	8	ringle	ringle	PROPN
fsr-4224	594	9	,	,	PUNCT
fsr-4224	594	10	c.	c.	PROPN
fsr-4224	594	11	m.	m.	NOUN
fsr-4224	594	12	,	,	PUNCT
fsr-4224	594	13	sarstedt	sarstedt	NOUN
fsr-4224	594	14	,	,	PUNCT
fsr-4224	594	15	m.	m.	NOUN
fsr-4224	594	16	,	,	PUNCT
fsr-4224	594	17	&	&	CCONJ
fsr-4224	594	18	olya	olya	PROPN
fsr-4224	594	19	,	,	PUNCT
fsr-4224	594	20	h.	h.	PROPN
fsr-4224	594	21	(	(	PUNCT
fsr-4224	594	22	2021	2021	NUM
fsr-4224	594	23	)	)	PUNCT
fsr-4224	594	24	.	.	PUNCT
fsr-4224	595	1	the	the	DET
fsr-4224	595	2	combined	combine	VERB
fsr-4224	595	3	use	use	NOUN
fsr-4224	595	4	of	of	ADP
fsr-4224	595	5	symmetric	symmetric	ADJ
fsr-4224	595	6	and	and	CCONJ
fsr-4224	595	7	asymmetric	asymmetric	ADJ
fsr-4224	595	8	approaches	approach	NOUN
fsr-4224	595	9	:	:	PUNCT
fsr-4224	595	10	partial	partial	ADJ
fsr-4224	595	11	least	least	ADJ
fsr-4224	595	12	squaresstructural	squaresstructural	ADJ
fsr-4224	595	13	equation	equation	NOUN
fsr-4224	595	14	modeling	modeling	NOUN
fsr-4224	595	15	and	and	CCONJ
fsr-4224	595	16	fuzzy	fuzzy	ADV
fsr-4224	595	17	-	-	PUNCT
fsr-4224	595	18	set	set	VERB
fsr-4224	595	19	qualitative	qualitative	ADJ
fsr-4224	595	20	comparative	comparative	ADJ
fsr-4224	595	21	analysis	analysis	NOUN
fsr-4224	595	22	.	.	PUNCT
fsr-4224	596	1	international	international	ADJ
fsr-4224	596	2	journal	journal	PROPN
fsr-4224	596	3	of	of	ADP
fsr-4224	596	4	contemporary	contemporary	PROPN
fsr-4224	596	5	hospitality	hospitality	PROPN
fsr-4224	596	6	management	management	NOUN
fsr-4224	596	7	,	,	PUNCT
fsr-4224	596	8	33(5	33(5	NUM
fsr-4224	596	9	)	)	PUNCT
fsr-4224	596	10	,	,	PUNCT
fsr-4224	596	11	1571–1592	1571–1592	NUM
fsr-4224	596	12	.	.	PUNCT
fsr-4224	597	1	https://doi.org/10.1108/ijchm-042020-0335	https://doi.org/10.1108/ijchm-042020-0335	PROPN
fsr-4224	597	2	rudi	rudi	PROPN
fsr-4224	597	3	,	,	PUNCT
fsr-4224	597	4	j.	j.	PROPN
fsr-4224	597	5	h.	h.	PROPN
fsr-4224	597	6	,	,	PUNCT
fsr-4224	597	7	serido	serido	PRON
fsr-4224	597	8	,	,	PUNCT
fsr-4224	597	9	j.	j.	PROPN
fsr-4224	597	10	,	,	PUNCT
fsr-4224	597	11	&	&	CCONJ
fsr-4224	597	12	shim	shim	NOUN
fsr-4224	597	13	,	,	PUNCT
fsr-4224	597	14	s.	s.	PROPN
fsr-4224	597	15	(	(	PUNCT
fsr-4224	597	16	2020	2020	NUM
fsr-4224	597	17	)	)	PUNCT
fsr-4224	597	18	.	.	PUNCT
fsr-4224	598	1	unidirectional	unidirectional	ADJ
fsr-4224	598	2	and	and	CCONJ
fsr-4224	598	3	bidirectional	bidirectional	ADJ
fsr-4224	598	4	relationships	relationship	NOUN
fsr-4224	598	5	between	between	ADP
fsr-4224	598	6	financial	financial	ADJ
fsr-4224	598	7	parenting	parenting	NOUN
fsr-4224	598	8	and	and	CCONJ
fsr-4224	598	9	financial	financial	ADJ
fsr-4224	598	10	self	self	NOUN
fsr-4224	598	11	-	-	PUNCT
fsr-4224	598	12	efficacy	efficacy	NOUN
fsr-4224	598	13	:	:	PUNCT
fsr-4224	598	14	does	do	VERB
fsr-4224	598	15	student	student	NOUN
fsr-4224	598	16	loan	loan	NOUN
fsr-4224	598	17	status	status	NOUN
fsr-4224	598	18	matter	matter	NOUN
fsr-4224	598	19	?	?	PUNCT
fsr-4224	599	1	journal	journal	NOUN
fsr-4224	599	2	of	of	ADP
fsr-4224	599	3	family	family	NOUN
fsr-4224	599	4	psychology	psychology	NOUN
fsr-4224	599	5	,	,	PUNCT
fsr-4224	599	6	34(8	34(8	NUM
fsr-4224	599	7	)	)	PUNCT
fsr-4224	599	8	,	,	PUNCT
fsr-4224	599	9	949–959	949–959	NUM
fsr-4224	599	10	.	.	PUNCT
fsr-4224	600	1	https://doi.org/10.1037/fam0000660	https://doi.org/10.1037/fam0000660	PROPN
fsr-4224	600	2	rutherford	rutherford	PROPN
fsr-4224	600	3	,	,	PUNCT
fsr-4224	600	4	l.	l.	PROPN
fsr-4224	600	5	,	,	PUNCT
fsr-4224	600	6	&	&	CCONJ
fsr-4224	600	7	devaney	devaney	PROPN
fsr-4224	600	8	,	,	PUNCT
fsr-4224	600	9	s.	s.	PROPN
fsr-4224	600	10	a.	a.	PROPN
fsr-4224	600	11	(	(	PUNCT
fsr-4224	600	12	2009	2009	NUM
fsr-4224	600	13	)	)	PUNCT
fsr-4224	600	14	.	.	PUNCT
fsr-4224	601	1	utilizing	utilize	VERB
fsr-4224	601	2	the	the	DET
fsr-4224	601	3	theory	theory	NOUN
fsr-4224	601	4	of	of	ADP
fsr-4224	601	5	planned	plan	VERB
fsr-4224	601	6	behavior	behavior	NOUN
fsr-4224	601	7	to	to	PART
fsr-4224	601	8	understand	understand	VERB
fsr-4224	601	9	convenience	convenience	NOUN
fsr-4224	601	10	use	use	NOUN
fsr-4224	601	11	of	of	ADP
fsr-4224	601	12	credit	credit	NOUN
fsr-4224	601	13	cards	card	NOUN
fsr-4224	601	14	.	.	PUNCT
fsr-4224	602	1	journal	journal	NOUN
fsr-4224	602	2	of	of	ADP
fsr-4224	602	3	financial	financial	ADJ
fsr-4224	602	4	counseling	counseling	NOUN
fsr-4224	602	5	and	and	CCONJ
fsr-4224	602	6	planning	planning	NOUN
fsr-4224	602	7	,	,	PUNCT
fsr-4224	602	8	20(2	20(2	NUM
fsr-4224	602	9	)	)	PUNCT
fsr-4224	602	10	,	,	PUNCT
fsr-4224	602	11	48	48	NUM
fsr-4224	602	12	–	–	SYM
fsr-4224	602	13	63	63	NUM
fsr-4224	602	14	.	.	PUNCT
fsr-4224	603	1	https://www.afcpe.org/assets/pdf/vol_2	https://www.afcpe.org/assets/pdf/vol_2	NOUN
fsr-4224	603	2	0_issue_2_rutherford_devaney.pdf	0_issue_2_rutherford_devaney.pdf	PROPN
fsr-4224	603	3	sabri	sabri	PROPN
fsr-4224	603	4	,	,	PUNCT
fsr-4224	603	5	m.	m.	PROPN
fsr-4224	603	6	f.	f.	PROPN
fsr-4224	603	7	,	,	PUNCT
fsr-4224	603	8	anthony	anthony	PROPN
fsr-4224	603	9	,	,	PUNCT
fsr-4224	603	10	m.	m.	NOUN
fsr-4224	603	11	,	,	PUNCT
fsr-4224	603	12	law	law	NOUN
fsr-4224	603	13	,	,	PUNCT
fsr-4224	603	14	s.	s.	PROPN
fsr-4224	603	15	h.	h.	PROPN
fsr-4224	603	16	,	,	PUNCT
fsr-4224	603	17	rahim	rahim	PROPN
fsr-4224	603	18	,	,	PUNCT
fsr-4224	603	19	h.	h.	PROPN
fsr-4224	603	20	a.	a.	PROPN
fsr-4224	603	21	,	,	PUNCT
fsr-4224	603	22	burhan	burhan	PROPN
fsr-4224	603	23	,	,	PUNCT
fsr-4224	603	24	n.	n.	PROPN
fsr-4224	603	25	a.	a.	PROPN
fsr-4224	603	26	s.	s.	PROPN
fsr-4224	603	27	,	,	PUNCT
fsr-4224	603	28	&	&	CCONJ
fsr-4224	603	29	ithnin	ithnin	PROPN
fsr-4224	603	30	,	,	PUNCT
fsr-4224	603	31	m.	m.	NOUN
fsr-4224	603	32	(	(	PUNCT
fsr-4224	603	33	2023	2023	NUM
fsr-4224	603	34	)	)	PUNCT
fsr-4224	603	35	.	.	PUNCT
fsr-4224	604	1	impact	impact	NOUN
fsr-4224	604	2	of	of	ADP
fsr-4224	604	3	financial	financial	ADJ
fsr-4224	604	4	behaviour	behaviour	NOUN
fsr-4224	604	5	on	on	ADP
fsr-4224	604	6	financial	financial	ADJ
fsr-4224	604	7	well	well	NOUN
fsr-4224	604	8	-	-	PUNCT
fsr-4224	604	9	being	being	NOUN
fsr-4224	604	10	:	:	PUNCT
fsr-4224	604	11	evidence	evidence	NOUN
fsr-4224	604	12	among	among	ADP
fsr-4224	604	13	young	young	ADJ
fsr-4224	604	14	adults	adult	NOUN
fsr-4224	604	15	in	in	ADP
fsr-4224	604	16	malaysia	malaysia	PROPN
fsr-4224	604	17	.	.	PUNCT
fsr-4224	605	1	journal	journal	PROPN
fsr-4224	605	2	of	of	ADP
fsr-4224	605	3	financial	financial	ADJ
fsr-4224	605	4	services	service	NOUN
fsr-4224	605	5	marketing	marketing	NOUN
fsr-4224	605	6	,	,	PUNCT
fsr-4224	605	7	28(4	28(4	NUM
fsr-4224	605	8	)	)	PUNCT
fsr-4224	605	9	,	,	PUNCT
fsr-4224	605	10	337–356	337–356	NUM
fsr-4224	605	11	.	.	PUNCT
fsr-4224	606	1	https://doi.org/10.1057/s41264-02200136-7	https://doi.org/10.1057/s41264-02200136-7	PROPN
fsr-4224	606	2	salmivaara	salmivaara	PROPN
fsr-4224	606	3	,	,	PUNCT
fsr-4224	606	4	l.	l.	PROPN
fsr-4224	606	5	,	,	PUNCT
fsr-4224	606	6	lombardini	lombardini	PROPN
fsr-4224	606	7	,	,	PUNCT
fsr-4224	606	8	c.	c.	NOUN
fsr-4224	606	9	,	,	PUNCT
fsr-4224	606	10	&	&	CCONJ
fsr-4224	606	11	lankoski	lankoski	PROPN
fsr-4224	606	12	,	,	PUNCT
fsr-4224	606	13	l.	l.	PROPN
fsr-4224	606	14	(	(	PUNCT
fsr-4224	606	15	2021	2021	NUM
fsr-4224	606	16	)	)	PUNCT
fsr-4224	606	17	.	.	PUNCT
fsr-4224	607	1	examining	examine	VERB
fsr-4224	607	2	social	social	ADJ
fsr-4224	607	3	norms	norm	NOUN
fsr-4224	607	4	among	among	ADP
fsr-4224	607	5	other	other	ADJ
fsr-4224	607	6	motives	motive	NOUN
fsr-4224	607	7	for	for	ADP
fsr-4224	607	8	sustainable	sustainable	ADJ
fsr-4224	607	9	food	food	NOUN
fsr-4224	607	10	choice	choice	NOUN
fsr-4224	607	11	:	:	PUNCT
fsr-4224	607	12	the	the	DET
fsr-4224	607	13	promise	promise	NOUN
fsr-4224	607	14	of	of	ADP
fsr-4224	607	15	descriptive	descriptive	ADJ
fsr-4224	607	16	norms	norm	NOUN
fsr-4224	607	17	.	.	PUNCT
fsr-4224	608	1	journal	journal	NOUN
fsr-4224	608	2	of	of	ADP
fsr-4224	608	3	cleaner	clean	ADJ
fsr-4224	608	4	production	production	NOUN
fsr-4224	608	5	,	,	PUNCT
fsr-4224	608	6	311	311	NUM
fsr-4224	608	7	,	,	PUNCT
fsr-4224	608	8	127508	127508	NUM
fsr-4224	608	9	.	.	PUNCT
fsr-4224	609	1	https://doi.org/10.1016/j.jclepro.2021	https://doi.org/10.1016/j.jclepro.2021	NOUN
fsr-4224	609	2	.	.	PUNCT
fsr-4224	610	1	127508	127508	NUM
fsr-4224	610	2	saurabh	saurabh	PROPN
fsr-4224	610	3	,	,	PUNCT
fsr-4224	610	4	k.	k.	PROPN
fsr-4224	610	5	,	,	PUNCT
fsr-4224	610	6	&	&	CCONJ
fsr-4224	610	7	nandan	nandan	PROPN
fsr-4224	610	8	,	,	PUNCT
fsr-4224	610	9	t.	t.	PROPN
fsr-4224	610	10	(	(	PUNCT
fsr-4224	610	11	2018	2018	NUM
fsr-4224	610	12	)	)	PUNCT
fsr-4224	610	13	.	.	PUNCT
fsr-4224	611	1	role	role	NOUN
fsr-4224	611	2	of	of	ADP
fsr-4224	611	3	financial	financial	ADJ
fsr-4224	611	4	risk	risk	NOUN
fsr-4224	611	5	attitude	attitude	NOUN
fsr-4224	611	6	and	and	CCONJ
fsr-4224	611	7	financial	financial	ADJ
fsr-4224	611	8	behavior	behavior	NOUN
fsr-4224	611	9	as	as	ADP
fsr-4224	611	10	mediators	mediator	NOUN
fsr-4224	611	11	in	in	ADP
fsr-4224	611	12	financial	financial	ADJ
fsr-4224	611	13	satisfaction	satisfaction	NOUN
fsr-4224	611	14	:	:	PUNCT
fsr-4224	611	15	empirical	empirical	ADJ
fsr-4224	611	16	evidence	evidence	NOUN
fsr-4224	611	17	from	from	ADP
fsr-4224	611	18	india	india	PROPN
fsr-4224	611	19	.	.	PUNCT
fsr-4224	612	1	south	south	ADJ
fsr-4224	612	2	asian	asian	PROPN
fsr-4224	612	3	journal	journal	PROPN
fsr-4224	612	4	of	of	ADP
fsr-4224	612	5	business	business	NOUN
fsr-4224	612	6	studies	study	NOUN
fsr-4224	612	7	,	,	PUNCT
fsr-4224	612	8	7(2	7(2	NUM
fsr-4224	612	9	)	)	PUNCT
fsr-4224	612	10	,	,	PUNCT
fsr-4224	612	11	207–224	207–224	NUM
fsr-4224	612	12	.	.	PUNCT
fsr-4224	613	1	https://doi.org/10.1108/sajbs-042017-0050	https://doi.org/10.1108/sajbs-042017-0050	VERB
fsr-4224	613	2	she	she	PRON
fsr-4224	613	3	,	,	PUNCT
fsr-4224	613	4	l.	l.	PROPN
fsr-4224	613	5	,	,	PUNCT
fsr-4224	613	6	rasiah	rasiah	PROPN
fsr-4224	613	7	,	,	PUNCT
fsr-4224	613	8	r.	r.	PROPN
fsr-4224	613	9	,	,	PUNCT
fsr-4224	613	10	weissmann	weissmann	NOUN
fsr-4224	613	11	,	,	PUNCT
fsr-4224	613	12	m.	m.	NOUN
fsr-4224	613	13	a.	a.	PROPN
fsr-4224	613	14	,	,	PUNCT
fsr-4224	613	15	&	&	CCONJ
fsr-4224	613	16	kaur	kaur	PROPN
fsr-4224	613	17	,	,	PUNCT
fsr-4224	613	18	h.	h.	PROPN
fsr-4224	613	19	(	(	PUNCT
fsr-4224	613	20	2024	2024	NUM
fsr-4224	613	21	)	)	PUNCT
fsr-4224	613	22	.	.	PUNCT
fsr-4224	614	1	using	use	VERB
fsr-4224	614	2	the	the	DET
fsr-4224	614	3	theory	theory	NOUN
fsr-4224	614	4	of	of	ADP
fsr-4224	614	5	planned	plan	VERB
fsr-4224	614	6	behaviour	behaviour	NOUN
fsr-4224	614	7	to	to	PART
fsr-4224	614	8	explore	explore	VERB
fsr-4224	614	9	predictors	predictor	NOUN
fsr-4224	614	10	of	of	ADP
fsr-4224	614	11	financial	financial	ADJ
fsr-4224	614	12	behaviour	behaviour	NOUN
fsr-4224	614	13	among	among	ADP
fsr-4224	614	14	working	work	VERB
fsr-4224	614	15	adults	adult	NOUN
fsr-4224	614	16	in	in	ADP
fsr-4224	614	17	malaysia	malaysia	PROPN
fsr-4224	614	18	.	.	PUNCT
fsr-4224	615	1	fiib	fiib	PROPN
fsr-4224	615	2	business	business	PROPN
fsr-4224	615	3	review	review	PROPN
fsr-4224	615	4	,	,	PUNCT
fsr-4224	615	5	13(1	13(1	NUM
fsr-4224	615	6	)	)	PUNCT
fsr-4224	615	7	,	,	PUNCT
fsr-4224	615	8	118–135	118–135	NUM
fsr-4224	615	9	.	.	PUNCT
fsr-4224	616	1	https://doi.org/10.1177/231971452410	https://doi.org/10.1177/231971452410	VERB
fsr-4224	616	2	59279	59279	NUM
fsr-4224	616	3	shih	shih	NOUN
fsr-4224	616	4	,	,	PUNCT
fsr-4224	616	5	h.-m	h.-m	NOUN
fsr-4224	616	6	.	.	PUNCT
fsr-4224	616	7	,	,	PUNCT
fsr-4224	616	8	chen	chen	PROPN
fsr-4224	616	9	,	,	PUNCT
fsr-4224	616	10	b.	b.	PROPN
fsr-4224	616	11	h.	h.	PROPN
fsr-4224	616	12	,	,	PUNCT
fsr-4224	616	13	chen	chen	PROPN
fsr-4224	616	14	,	,	PUNCT
fsr-4224	616	15	m.-h	m.-h	PROPN
fsr-4224	616	16	.	.	PROPN
fsr-4224	616	17	,	,	PUNCT
fsr-4224	616	18	wang	wang	PROPN
fsr-4224	616	19	,	,	PUNCT
fsr-4224	616	20	c.-h	c.-h	PROPN
fsr-4224	616	21	.	.	PROPN
fsr-4224	616	22	,	,	PUNCT
fsr-4224	616	23	&	&	CCONJ
fsr-4224	616	24	wang	wang	PROPN
fsr-4224	616	25	,	,	PUNCT
fsr-4224	616	26	l.-f	l.-f	NOUN
fsr-4224	616	27	.	.	PUNCT
fsr-4224	617	1	(	(	PUNCT
fsr-4224	617	2	2022	2022	NUM
fsr-4224	617	3	)	)	PUNCT
fsr-4224	617	4	.	.	PUNCT
fsr-4224	618	1	a	a	DET
fsr-4224	618	2	study	study	NOUN
fsr-4224	618	3	of	of	ADP
fsr-4224	618	4	the	the	DET
fsr-4224	618	5	financial	financial	ADJ
fsr-4224	618	6	behavior	behavior	NOUN
fsr-4224	618	7	based	base	VERB
fsr-4224	618	8	on	on	ADP
fsr-4224	618	9	the	the	DET
fsr-4224	618	10	theory	theory	NOUN
fsr-4224	618	11	of	of	ADP
fsr-4224	618	12	planned	plan	VERB
fsr-4224	618	13	behavior	behavior	NOUN
fsr-4224	618	14	.	.	PUNCT
fsr-4224	619	1	international	international	ADJ
fsr-4224	619	2	journal	journal	NOUN
fsr-4224	619	3	of	of	ADP
fsr-4224	619	4	marketing	marketing	NOUN
fsr-4224	619	5	studies	study	NOUN
fsr-4224	619	6	,	,	PUNCT
fsr-4224	619	7	14(2	14(2	NUM
fsr-4224	619	8	)	)	PUNCT
fsr-4224	619	9	,	,	PUNCT
fsr-4224	619	10	1	1	X
fsr-4224	619	11	.	.	PUNCT
fsr-4224	619	12	https://doi.org/10.5539/ijms.v14n2p1	https://doi.org/10.5539/ijms.v14n2p1	PROPN
fsr-4224	619	13	shi	shi	PROPN
fsr-4224	619	14	,	,	PUNCT
fsr-4224	619	15	j.	j.	PROPN
fsr-4224	619	16	,	,	PUNCT
fsr-4224	619	17	mo	mo	PROPN
fsr-4224	619	18	,	,	PUNCT
fsr-4224	619	19	x.	x.	NOUN
fsr-4224	619	20	,	,	PUNCT
fsr-4224	619	21	&	&	CCONJ
fsr-4224	619	22	sun	sun	PROPN
fsr-4224	619	23	,	,	PUNCT
fsr-4224	619	24	z.	z.	PROPN
fsr-4224	619	25	(	(	PUNCT
fsr-4224	619	26	2012	2012	NUM
fsr-4224	619	27	)	)	PUNCT
fsr-4224	619	28	.	.	PUNCT
fsr-4224	620	1	content	content	NOUN
fsr-4224	620	2	validity	validity	NOUN
fsr-4224	620	3	index	index	NOUN
fsr-4224	620	4	in	in	ADP
fsr-4224	620	5	scale	scale	NOUN
fsr-4224	620	6	development	development	NOUN
fsr-4224	620	7	.	.	PUNCT
fsr-4224	621	1	journal	journal	PROPN
fsr-4224	621	2	of	of	ADP
fsr-4224	621	3	central	central	PROPN
fsr-4224	621	4	south	south	PROPN
fsr-4224	621	5	university	university	PROPN
fsr-4224	621	6	.	.	PUNCT
fsr-4224	622	1	medical	medical	ADJ
fsr-4224	622	2	sciences	sciences	PROPN
fsr-4224	622	3	,	,	PUNCT
fsr-4224	622	4	37(2	37(2	PROPN
fsr-4224	622	5	)	)	PUNCT
fsr-4224	622	6	,	,	PUNCT
fsr-4224	622	7	152–155	152–155	NUM
fsr-4224	622	8	.	.	PUNCT
fsr-4224	623	1	https://doi.org/10.3969/j.issn.16727347.2012.02.014	https://doi.org/10.3969/j.issn.16727347.2012.02.014	PROPN
fsr-4224	623	2	shmueli	shmueli	ADJ
fsr-4224	623	3	,	,	PUNCT
fsr-4224	623	4	g.	g.	PROPN
fsr-4224	623	5	,	,	PUNCT
fsr-4224	623	6	sarstedt	sarstedt	NOUN
fsr-4224	623	7	,	,	PUNCT
fsr-4224	623	8	m.	m.	NOUN
fsr-4224	623	9	,	,	PUNCT
fsr-4224	623	10	hair	hair	NOUN
fsr-4224	623	11	,	,	PUNCT
fsr-4224	623	12	j.	j.	PROPN
fsr-4224	623	13	f.	f.	PROPN
fsr-4224	623	14	,	,	PUNCT
fsr-4224	623	15	cheah	cheah	PROPN
fsr-4224	623	16	,	,	PUNCT
fsr-4224	623	17	j.-h	j.-h	PROPN
fsr-4224	623	18	.	.	PUNCT
fsr-4224	623	19	,	,	PUNCT
fsr-4224	623	20	ting	ting	PROPN
fsr-4224	623	21	,	,	PUNCT
fsr-4224	623	22	h.	h.	PROPN
fsr-4224	623	23	,	,	PUNCT
fsr-4224	623	24	vaithilingam	vaithilingam	ADV
fsr-4224	623	25	,	,	PUNCT
fsr-4224	623	26	s.	s.	PROPN
fsr-4224	623	27	,	,	PUNCT
fsr-4224	623	28	&	&	CCONJ
fsr-4224	623	29	ringle	ringle	PROPN
fsr-4224	623	30	,	,	PUNCT
fsr-4224	623	31	c.	c.	PROPN
fsr-4224	623	32	m.	m.	NOUN
fsr-4224	623	33	(	(	PUNCT
fsr-4224	623	34	2019	2019	NUM
fsr-4224	623	35	)	)	PUNCT
fsr-4224	623	36	.	.	PUNCT
fsr-4224	624	1	predictive	predictive	ADJ
fsr-4224	624	2	model	model	NOUN
fsr-4224	624	3	assessment	assessment	NOUN
fsr-4224	624	4	in	in	ADP
fsr-4224	624	5	pls	pls	NOUN
fsr-4224	624	6	-	-	PUNCT
fsr-4224	624	7	sem	sem	NOUN
fsr-4224	624	8	:	:	PUNCT
fsr-4224	624	9	guidelines	guideline	NOUN
fsr-4224	624	10	for	for	ADP
fsr-4224	624	11	using	use	VERB
fsr-4224	624	12	plspredict	plspredict	PROPN
fsr-4224	624	13	.	.	PUNCT
fsr-4224	625	1	european	european	PROPN
fsr-4224	625	2	journal	journal	PROPN
fsr-4224	625	3	of	of	ADP
fsr-4224	625	4	marketing	marketing	NOUN
fsr-4224	625	5	,	,	PUNCT
fsr-4224	625	6	financial	financial	ADJ
fsr-4224	625	7	services	service	NOUN
fsr-4224	625	8	review	review	NOUN
fsr-4224	625	9	,	,	PUNCT
fsr-4224	625	10	33(4	33(4	NUM
fsr-4224	625	11	)	)	PUNCT
fsr-4224	625	12	190	190	NUM
fsr-4224	625	13	53(11	53(11	NUM
fsr-4224	625	14	)	)	PUNCT
fsr-4224	625	15	,	,	PUNCT
fsr-4224	625	16	2322–2347	2322–2347	NUM
fsr-4224	625	17	.	.	PUNCT
fsr-4224	626	1	https://doi.org/10.1108/ejm-022019-0189	https://doi.org/10.1108/ejm-022019-0189	PROPN
fsr-4224	626	2	świecka	świecka	PROPN
fsr-4224	626	3	,	,	PUNCT
fsr-4224	626	4	b.	b.	PROPN
fsr-4224	626	5	,	,	PUNCT
fsr-4224	626	6	grzesiuk	grzesiuk	NOUN
fsr-4224	626	7	,	,	PUNCT
fsr-4224	626	8	a.	a.	NOUN
fsr-4224	626	9	,	,	PUNCT
fsr-4224	626	10	korczak	korczak	PROPN
fsr-4224	626	11	,	,	PUNCT
fsr-4224	626	12	d.	d.	PROPN
fsr-4224	626	13	,	,	PUNCT
fsr-4224	626	14	&	&	CCONJ
fsr-4224	626	15	wyszkowska	wyszkowska	PROPN
fsr-4224	626	16	-	-	PUNCT
fsr-4224	626	17	kaniewska	kaniewska	NOUN
fsr-4224	626	18	,	,	PUNCT
fsr-4224	626	19	o.	o.	NOUN
fsr-4224	626	20	(	(	PUNCT
fsr-4224	626	21	2019	2019	NUM
fsr-4224	626	22	)	)	PUNCT
fsr-4224	626	23	.	.	PUNCT
fsr-4224	627	1	financial	financial	ADJ
fsr-4224	627	2	literacy	literacy	NOUN
fsr-4224	627	3	and	and	CCONJ
fsr-4224	627	4	financial	financial	ADJ
fsr-4224	627	5	education	education	NOUN
fsr-4224	627	6	:	:	PUNCT
fsr-4224	627	7	theory	theory	NOUN
fsr-4224	627	8	and	and	CCONJ
fsr-4224	627	9	survey	survey	NOUN
fsr-4224	627	10	.	.	PUNCT
fsr-4224	628	1	walter	walter	PROPN
fsr-4224	628	2	de	de	PROPN
fsr-4224	628	3	gruyter	gruyter	PROPN
fsr-4224	628	4	gmbh	gmbh	PROPN
fsr-4224	628	5	&	&	CCONJ
fsr-4224	628	6	co.	co.	PROPN
fsr-4224	628	7	kg	kg	PROPN
fsr-4224	628	8	.	.	PROPN
fsr-4224	628	9	swiecka	swiecka	PROPN
fsr-4224	628	10	,	,	PUNCT
fsr-4224	628	11	b.	b.	PROPN
fsr-4224	628	12	,	,	PUNCT
fsr-4224	628	13	yeşildağ	yeşildağ	PROPN
fsr-4224	628	14	,	,	PUNCT
fsr-4224	628	15	e.	e.	PROPN
fsr-4224	628	16	,	,	PUNCT
fsr-4224	628	17	özen	özen	NOUN
fsr-4224	628	18	,	,	PUNCT
fsr-4224	628	19	e.	e.	PROPN
fsr-4224	628	20	,	,	PUNCT
fsr-4224	628	21	&	&	CCONJ
fsr-4224	628	22	grima	grima	PROPN
fsr-4224	628	23	,	,	PUNCT
fsr-4224	628	24	s.	s.	PROPN
fsr-4224	628	25	(	(	PUNCT
fsr-4224	628	26	2020	2020	NUM
fsr-4224	628	27	)	)	PUNCT
fsr-4224	628	28	.	.	PUNCT
fsr-4224	629	1	financial	financial	ADJ
fsr-4224	629	2	literacy	literacy	NOUN
fsr-4224	629	3	:	:	PUNCT
fsr-4224	629	4	the	the	DET
fsr-4224	629	5	case	case	NOUN
fsr-4224	629	6	of	of	ADP
fsr-4224	629	7	poland	poland	PROPN
fsr-4224	629	8	.	.	PUNCT
fsr-4224	630	1	sustainability	sustainability	NOUN
fsr-4224	630	2	,	,	PUNCT
fsr-4224	630	3	12(2	12(2	NUM
fsr-4224	630	4	)	)	PUNCT
fsr-4224	630	5	,	,	PUNCT
fsr-4224	630	6	700	700	NUM
fsr-4224	630	7	.	.	PUNCT
fsr-4224	631	1	https://doi.org/10.3390/su12020700	https://doi.org/10.3390/su12020700	PROPN
fsr-4224	631	2	talwar	talwar	PROPN
fsr-4224	631	3	,	,	PUNCT
fsr-4224	631	4	m.	m.	NOUN
fsr-4224	631	5	,	,	PUNCT
fsr-4224	631	6	talwar	talwar	PROPN
fsr-4224	631	7	,	,	PUNCT
fsr-4224	631	8	s.	s.	PROPN
fsr-4224	631	9	,	,	PUNCT
fsr-4224	631	10	kaur	kaur	PROPN
fsr-4224	631	11	,	,	PUNCT
fsr-4224	631	12	p.	p.	PROPN
fsr-4224	631	13	,	,	PUNCT
fsr-4224	631	14	tripathy	tripathy	ADJ
fsr-4224	631	15	,	,	PUNCT
fsr-4224	631	16	n.	n.	NOUN
fsr-4224	631	17	,	,	PUNCT
fsr-4224	631	18	&	&	CCONJ
fsr-4224	631	19	dhir	dhir	PROPN
fsr-4224	631	20	,	,	PUNCT
fsr-4224	631	21	a.	a.	NOUN
fsr-4224	631	22	(	(	PUNCT
fsr-4224	631	23	2021	2021	NUM
fsr-4224	631	24	)	)	PUNCT
fsr-4224	631	25	.	.	PUNCT
fsr-4224	632	1	has	have	AUX
fsr-4224	632	2	financial	financial	ADJ
fsr-4224	632	3	attitude	attitude	NOUN
fsr-4224	632	4	impacted	impact	VERB
fsr-4224	632	5	the	the	DET
fsr-4224	632	6	trading	trading	NOUN
fsr-4224	632	7	activity	activity	NOUN
fsr-4224	632	8	of	of	ADP
fsr-4224	632	9	retail	retail	ADJ
fsr-4224	632	10	investors	investor	NOUN
fsr-4224	632	11	during	during	ADP
fsr-4224	632	12	the	the	DET
fsr-4224	632	13	covid-19	covid-19	PROPN
fsr-4224	632	14	pandemic	pandemic	ADJ
fsr-4224	632	15	?	?	PUNCT
fsr-4224	632	16	journal	journal	NOUN
fsr-4224	632	17	of	of	ADP
fsr-4224	632	18	retailing	retailing	NOUN
fsr-4224	632	19	and	and	CCONJ
fsr-4224	632	20	consumer	consumer	NOUN
fsr-4224	632	21	services	service	NOUN
fsr-4224	632	22	,	,	PUNCT
fsr-4224	632	23	58	58	NUM
fsr-4224	632	24	,	,	PUNCT
fsr-4224	632	25	102341	102341	NUM
fsr-4224	632	26	.	.	PUNCT
fsr-4224	633	1	https://doi.org/10.1016/j.jretconser.20	https://doi.org/10.1016/j.jretconser.20	PRON
fsr-4224	633	2	20.102341	20.102341	NUM
fsr-4224	633	3	vis	vis	X
fsr-4224	633	4	,	,	PUNCT
fsr-4224	633	5	b.	b.	PROPN
fsr-4224	633	6	,	,	PUNCT
fsr-4224	633	7	&	&	CCONJ
fsr-4224	633	8	dul	dul	PROPN
fsr-4224	633	9	,	,	PUNCT
fsr-4224	633	10	j.	j.	PROPN
fsr-4224	633	11	(	(	PUNCT
fsr-4224	633	12	2018	2018	NUM
fsr-4224	633	13	)	)	PUNCT
fsr-4224	633	14	.	.	PUNCT
fsr-4224	634	1	analyzing	analyze	VERB
fsr-4224	634	2	relationships	relationship	NOUN
fsr-4224	634	3	of	of	ADP
fsr-4224	634	4	necessity	necessity	NOUN
fsr-4224	634	5	not	not	PART
fsr-4224	634	6	just	just	ADV
fsr-4224	634	7	in	in	ADP
fsr-4224	634	8	kind	kind	NOUN
fsr-4224	634	9	but	but	CCONJ
fsr-4224	634	10	also	also	ADV
fsr-4224	634	11	in	in	ADP
fsr-4224	634	12	degree	degree	NOUN
fsr-4224	634	13	:	:	PUNCT
fsr-4224	634	14	complementing	complement	VERB
fsr-4224	634	15	fsqca	fsqca	NOUN
fsr-4224	634	16	with	with	ADP
fsr-4224	634	17	nca	nca	PROPN
fsr-4224	634	18	.	.	PROPN
fsr-4224	634	19	sociological	sociological	ADJ
fsr-4224	634	20	methods	method	NOUN
fsr-4224	634	21	&	&	CCONJ
fsr-4224	634	22	research	research	PROPN
fsr-4224	634	23	,	,	PUNCT
fsr-4224	634	24	47(4	47(4	PROPN
fsr-4224	634	25	)	)	PUNCT
fsr-4224	634	26	,	,	PUNCT
fsr-4224	634	27	872–899	872–899	NUM
fsr-4224	634	28	.	.	PUNCT
fsr-4224	634	29	https://doi.org/10.1177/00491241177	https://doi.org/10.1177/00491241177	NUM
fsr-4224	634	30	13895	13895	NUM
fsr-4224	634	31	weinstein	weinstein	NOUN
fsr-4224	634	32	,	,	PUNCT
fsr-4224	634	33	n.	n.	NOUN
fsr-4224	634	34	,	,	PUNCT
fsr-4224	634	35	&	&	CCONJ
fsr-4224	634	36	stone	stone	PROPN
fsr-4224	634	37	,	,	PUNCT
fsr-4224	634	38	d.	d.	PROPN
fsr-4224	634	39	n.	n.	PROPN
fsr-4224	634	40	(	(	PUNCT
fsr-4224	634	41	2018	2018	NUM
fsr-4224	634	42	)	)	PUNCT
fsr-4224	634	43	.	.	PUNCT
fsr-4224	635	1	need	need	VERB
fsr-4224	635	2	-	-	PUNCT
fsr-4224	635	3	depriving	deprive	VERB
fsr-4224	635	4	effects	effect	NOUN
fsr-4224	635	5	of	of	ADP
fsr-4224	635	6	financial	financial	ADJ
fsr-4224	635	7	insecurity	insecurity	NOUN
fsr-4224	635	8	:	:	PUNCT
fsr-4224	635	9	implications	implication	NOUN
fsr-4224	635	10	for	for	ADP
fsr-4224	635	11	well	well	ADV
fsr-4224	635	12	-	-	PUNCT
fsr-4224	635	13	being	be	AUX
fsr-4224	635	14	and	and	CCONJ
fsr-4224	635	15	financial	financial	ADJ
fsr-4224	635	16	behaviors	behavior	NOUN
fsr-4224	635	17	.	.	PUNCT
fsr-4224	636	1	journal	journal	NOUN
fsr-4224	636	2	of	of	ADP
fsr-4224	636	3	experimental	experimental	ADJ
fsr-4224	636	4	psychology	psychology	NOUN
fsr-4224	636	5	:	:	PUNCT
fsr-4224	636	6	general	general	ADJ
fsr-4224	636	7	,	,	PUNCT
fsr-4224	636	8	147(10	147(10	NUM
fsr-4224	636	9	)	)	PUNCT
fsr-4224	636	10	,	,	PUNCT
fsr-4224	636	11	1503–1514	1503–1514	NUM
fsr-4224	636	12	.	.	PUNCT
fsr-4224	637	1	https://doi.org/10.1037/xge0000462	https://doi.org/10.1037/xge0000462	PROPN
fsr-4224	637	2	xiao	xiao	PROPN
fsr-4224	637	3	,	,	PUNCT
fsr-4224	637	4	j.	j.	PROPN
fsr-4224	637	5	j.	j.	PROPN
fsr-4224	637	6	,	,	PUNCT
fsr-4224	637	7	&	&	CCONJ
fsr-4224	637	8	porto	porto	PROPN
fsr-4224	637	9	,	,	PUNCT
fsr-4224	637	10	n.	n.	NOUN
fsr-4224	637	11	(	(	PUNCT
fsr-4224	637	12	2017	2017	NUM
fsr-4224	637	13	)	)	PUNCT
fsr-4224	637	14	.	.	PUNCT
fsr-4224	638	1	financial	financial	ADJ
fsr-4224	638	2	education	education	NOUN
fsr-4224	638	3	and	and	CCONJ
fsr-4224	638	4	financial	financial	ADJ
fsr-4224	638	5	satisfaction	satisfaction	NOUN
fsr-4224	638	6	:	:	PUNCT
fsr-4224	638	7	financial	financial	ADJ
fsr-4224	638	8	literacy	literacy	NOUN
fsr-4224	638	9	,	,	PUNCT
fsr-4224	638	10	behavior	behavior	NOUN
fsr-4224	638	11	,	,	PUNCT
fsr-4224	638	12	and	and	CCONJ
fsr-4224	638	13	capability	capability	NOUN
fsr-4224	638	14	as	as	ADP
fsr-4224	638	15	mediators	mediator	NOUN
fsr-4224	638	16	.	.	PUNCT
fsr-4224	639	1	international	international	ADJ
fsr-4224	639	2	journal	journal	PROPN
fsr-4224	639	3	of	of	ADP
fsr-4224	639	4	bank	bank	PROPN
fsr-4224	639	5	marketing	marketing	NOUN
fsr-4224	639	6	,	,	PUNCT
fsr-4224	639	7	35(5	35(5	NUM
fsr-4224	639	8	)	)	PUNCT
fsr-4224	639	9	,	,	PUNCT
fsr-4224	639	10	805–817	805–817	NUM
fsr-4224	639	11	.	.	PUNCT
fsr-4224	640	1	https://doi.org/10.1108/ijbm-012017-0005	https://doi.org/10.1108/ijbm-012017-0005	PROPN
fsr-4224	640	2	xiao	xiao	PROPN
fsr-4224	640	3	,	,	PUNCT
fsr-4224	640	4	j.	j.	PROPN
fsr-4224	640	5	j.	j.	PROPN
fsr-4224	640	6	,	,	PUNCT
fsr-4224	640	7	&	&	CCONJ
fsr-4224	640	8	wu	wu	PROPN
fsr-4224	640	9	,	,	PUNCT
fsr-4224	640	10	g.	g.	PROPN
fsr-4224	640	11	(	(	PUNCT
fsr-4224	640	12	2008	2008	NUM
fsr-4224	640	13	)	)	PUNCT
fsr-4224	640	14	.	.	PUNCT
fsr-4224	641	1	completing	complete	VERB
fsr-4224	641	2	debt	debt	NOUN
fsr-4224	641	3	management	management	NOUN
fsr-4224	641	4	plans	plan	NOUN
fsr-4224	641	5	in	in	ADP
fsr-4224	641	6	credit	credit	NOUN
fsr-4224	641	7	counseling	counseling	NOUN
fsr-4224	641	8	:	:	PUNCT
fsr-4224	641	9	an	an	DET
fsr-4224	641	10	application	application	NOUN
fsr-4224	641	11	of	of	ADP
fsr-4224	641	12	the	the	DET
fsr-4224	641	13	theory	theory	NOUN
fsr-4224	641	14	of	of	ADP
fsr-4224	641	15	planned	plan	VERB
fsr-4224	641	16	behavior	behavior	NOUN
fsr-4224	641	17	.	.	PUNCT
fsr-4224	642	1	journal	journal	PROPN
fsr-4224	642	2	of	of	ADP
fsr-4224	642	3	financial	financial	ADJ
fsr-4224	642	4	counseling	counseling	NOUN
fsr-4224	642	5	and	and	CCONJ
fsr-4224	642	6	planning	planning	NOUN
fsr-4224	642	7	,	,	PUNCT
fsr-4224	642	8	19(2	19(2	NUM
fsr-4224	642	9	)	)	PUNCT
fsr-4224	642	10	,	,	PUNCT
fsr-4224	642	11	3–15	3–15	PROPN
fsr-4224	642	12	.	.	PUNCT
fsr-4224	643	1	yeo	yeo	PROPN
fsr-4224	643	2	,	,	PUNCT
fsr-4224	643	3	k.	k.	PROPN
fsr-4224	643	4	h.	h.	PROPN
fsr-4224	643	5	k.	k.	PROPN
fsr-4224	643	6	,	,	PUNCT
fsr-4224	643	7	lim	lim	PROPN
fsr-4224	643	8	,	,	PUNCT
fsr-4224	643	9	w.	w.	PROPN
fsr-4224	643	10	m.	m.	PROPN
fsr-4224	643	11	,	,	PUNCT
fsr-4224	643	12	&	&	CCONJ
fsr-4224	643	13	yii	yii	PROPN
fsr-4224	643	14	,	,	PUNCT
fsr-4224	643	15	k.	k.	PROPN
fsr-4224	643	16	j.	j.	PROPN
fsr-4224	643	17	(	(	PUNCT
fsr-4224	643	18	2024	2024	NUM
fsr-4224	643	19	)	)	PUNCT
fsr-4224	643	20	.	.	PUNCT
fsr-4224	644	1	financial	financial	ADJ
fsr-4224	644	2	planning	planning	NOUN
fsr-4224	644	3	behaviour	behaviour	NOUN
fsr-4224	644	4	:	:	PUNCT
fsr-4224	644	5	a	a	DET
fsr-4224	644	6	systematic	systematic	ADJ
fsr-4224	644	7	literature	literature	NOUN
fsr-4224	644	8	review	review	NOUN
fsr-4224	644	9	and	and	CCONJ
fsr-4224	644	10	new	new	ADJ
fsr-4224	644	11	theory	theory	NOUN
fsr-4224	644	12	development	development	NOUN
fsr-4224	644	13	.	.	PUNCT
fsr-4224	645	1	journal	journal	PROPN
fsr-4224	645	2	of	of	ADP
fsr-4224	645	3	financial	financial	ADJ
fsr-4224	645	4	services	service	NOUN
fsr-4224	645	5	marketing	marketing	NOUN
fsr-4224	645	6	,	,	PUNCT
fsr-4224	645	7	29(3	29(3	NUM
fsr-4224	645	8	)	)	PUNCT
fsr-4224	645	9	,	,	PUNCT
fsr-4224	645	10	979–1001	979–1001	NUM
fsr-4224	645	11	.	.	PUNCT
fsr-4224	646	1	https://doi.org/10.1057/s41264-02300249-1	https://doi.org/10.1057/s41264-02300249-1	PROPN
fsr-4224	646	2	zhao	zhao	PROPN
fsr-4224	646	3	,	,	PUNCT
fsr-4224	646	4	h.	h.	PROPN
fsr-4224	646	5	,	,	PUNCT
fsr-4224	646	6	&	&	CCONJ
fsr-4224	646	7	zhang	zhang	PROPN
fsr-4224	646	8	,	,	PUNCT
fsr-4224	646	9	l.	l.	PROPN
fsr-4224	646	10	(	(	PUNCT
fsr-4224	646	11	2020	2020	NUM
fsr-4224	646	12	)	)	PUNCT
fsr-4224	646	13	.	.	PUNCT
fsr-4224	647	1	talking	talk	VERB
fsr-4224	647	2	money	money	NOUN
fsr-4224	647	3	at	at	ADP
fsr-4224	647	4	home	home	NOUN
fsr-4224	647	5	:	:	PUNCT
fsr-4224	647	6	the	the	DET
fsr-4224	647	7	value	value	NOUN
fsr-4224	647	8	of	of	ADP
fsr-4224	647	9	family	family	NOUN
fsr-4224	647	10	financial	financial	ADJ
fsr-4224	647	11	socialization	socialization	NOUN
fsr-4224	647	12	.	.	PUNCT
fsr-4224	648	1	international	international	ADJ
fsr-4224	648	2	journal	journal	PROPN
fsr-4224	648	3	of	of	ADP
fsr-4224	648	4	bank	bank	PROPN
fsr-4224	648	5	marketing	marketing	NOUN
fsr-4224	648	6	,	,	PUNCT
fsr-4224	648	7	38(7	38(7	NUM
fsr-4224	648	8	)	)	PUNCT
fsr-4224	648	9	,	,	PUNCT
fsr-4224	648	10	1617–1634	1617–1634	NUM
fsr-4224	648	11	.	.	PUNCT
fsr-4224	649	1	https://doi.org/10.1108/ijbm-042019-0144	https://doi.org/10.1108/ijbm-042019-0144	PROPN
fsr-4224	649	2	zulfaris	zulfaris	PROPN
fsr-4224	649	3	,	,	PUNCT
fsr-4224	649	4	m.	m.	NOUN
fsr-4224	649	5	d.	d.	PROPN
fsr-4224	649	6	,	,	PUNCT
fsr-4224	649	7	mustafa	mustafa	PROPN
fsr-4224	649	8	,	,	PUNCT
fsr-4224	649	9	h.	h.	PROPN
fsr-4224	649	10	,	,	PUNCT
fsr-4224	649	11	mahussin	mahussin	PROPN
fsr-4224	649	12	,	,	PUNCT
fsr-4224	649	13	n.	n.	PROPN
fsr-4224	649	14	,	,	PUNCT
fsr-4224	649	15	alam	alam	PROPN
fsr-4224	649	16	,	,	PUNCT
fsr-4224	649	17	m.	m.	PROPN
fsr-4224	649	18	k.	k.	PROPN
fsr-4224	649	19	,	,	PUNCT
fsr-4224	649	20	&	&	CCONJ
fsr-4224	649	21	daud	daud	PROPN
fsr-4224	649	22	,	,	PUNCT
fsr-4224	649	23	z.	z.	PROPN
fsr-4224	649	24	m.	m.	PROPN
fsr-4224	649	25	(	(	PUNCT
fsr-4224	649	26	2020	2020	NUM
fsr-4224	649	27	)	)	PUNCT
fsr-4224	649	28	.	.	PUNCT
fsr-4224	650	1	students	student	NOUN
fsr-4224	650	2	and	and	CCONJ
fsr-4224	650	3	money	money	NOUN
fsr-4224	650	4	management	management	NOUN
fsr-4224	650	5	behavior	behavior	NOUN
fsr-4224	650	6	of	of	ADP
fsr-4224	650	7	a	a	DET
fsr-4224	650	8	malaysian	malaysian	ADJ
fsr-4224	650	9	public	public	ADJ
fsr-4224	650	10	university	university	NOUN
fsr-4224	650	11	.	.	PUNCT
fsr-4224	651	1	the	the	DET
fsr-4224	651	2	journal	journal	NOUN
fsr-4224	651	3	of	of	ADP
fsr-4224	651	4	asian	asian	ADJ
fsr-4224	651	5	finance	finance	NOUN
fsr-4224	651	6	,	,	PUNCT
fsr-4224	651	7	economics	economic	NOUN
fsr-4224	651	8	and	and	CCONJ
fsr-4224	651	9	business	business	NOUN
fsr-4224	651	10	,	,	PUNCT
fsr-4224	651	11	7(3	7(3	NUM
fsr-4224	651	12	)	)	PUNCT
fsr-4224	651	13	,	,	PUNCT
fsr-4224	651	14	245–251	245–251	NUM
fsr-4224	651	15	.	.	PUNCT
fsr-4224	652	1	https://doi.org/10.13106/jafeb.2020.v	https://doi.org/10.13106/jafeb.2020.v	PROPN
fsr-4224	652	2	ol7.no3.245	ol7.no3.245	PROPN