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Reyers, Michelle – Journal of Financial Counseling and Planning, 2018
Concerns regarding the adequacy of retirement savings have contributed to the move to encourage better savings behavior. One area of research focuses on understanding the profile of individuals who believe they are preparing adequately for retirement. The current study uses data from a national survey of South Africans to determine how confident…
Descriptors: Foreign Countries, Retirement, Preretirement Education, Money Management
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Moreland, Keith A. – Journal of Financial Counseling and Planning, 2018
Advice from financial counselors is one potential source for improving financial behaviors and well-being among clients and within their communities. This study examined whether obtaining financial advice is associated with other personal financial behaviors. Analysis of National Financial Capability Study data showed that obtaining advice is…
Descriptors: Money Management, Decision Making, Help Seeking, Financial Services
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Zhu, Alex Yue Feng; Chou, Kee Lee – Journal of Financial Counseling and Planning, 2018
This study investigated the relationship between retirement saving needs estimation and the amount of self-reported private retirement savings amassed by working-age adults in Hong Kong, China, by focusing on the mediating role of retirement saving needs estimation between retirement goal clarity and the amount of private retirement savings. Based…
Descriptors: Foreign Countries, Retirement, Money Management, Planning
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LeBaron, Ashley B.; Rosa-Holyoak, Christina M.; Bryce, L. Ashley; Hill, E. Jeffrey; Marks, Loren D. – Journal of Financial Counseling and Planning, 2018
Many Millennials (aged 18-30 in 2016) are struggling with financial capability and independence. As efforts unfold to address this issue by improving financial education, Millennials themselves can offer helpful family-centered ideas for children's financial learning. As part of the Whats and Hows of Family Financial $ocialization project, this…
Descriptors: Money Management, Parent Child Relationship, Parenting Styles, Socialization
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Mielitz, Katherine S.; MacDonald, Maurice; Lurtz, Meghaan – Journal of Financial Counseling and Planning, 2018
We obtained 180 pre- and post-test surveys to investigate how an established financial literacy program may have increased financial knowledge of residents in a work release program in Augusta, Georgia. Paired t tests analyzed changes in subjective and objective financial knowledge, understanding of banking and credit, and financial attitudes. OLS…
Descriptors: Money Management, Knowledge Level, Consumer Education, Released Time
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Aboagye, Judith; Jung, Ji Young – Journal of Financial Counseling and Planning, 2018
This study examined factors associated with financial satisfaction and found that financial behaviors/attitudes provide the strongest explanation for the total variance in financial satisfaction. While overspending had a strong negative association with financial satisfaction, having a higher risk tolerance, no difficulty with monthly bill…
Descriptors: Correlation, Money Management, Purchasing, Risk
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Seay, Martin C.; Anderson, Somer G.; Carswell, Andy T.; Nielsen, Robert B. – Journal of Financial Counseling and Planning, 2018
Using data from the 2001, 2004, and 2008 panels of the Survey of Income and Program Participation (SIPP), this research examines the characteristics of households that invested in rental real estate during the 2000s. Given the tumultuous real estate market during that decade, rental real estate investment was investigated during the early part of…
Descriptors: Real Estate, Money Management, Housing, Correlation
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Yao, Rui; Meng, Xiangyi – Journal of Financial Counseling and Planning, 2018
Credit cards have become a common method of payment for college students in China. It is important that they form good credit card usage behaviors and build a good credit history early in their financial life. Using data collected from 10 universities in China, results of this study found that being financially dependent on their parents is…
Descriptors: College Students, Credit (Finance), Foreign Countries, Money Management
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Szendrey, Julie; Fiala, Laci – Journal of Financial Counseling and Planning, 2018
This research examined how perceived economic mobility (PEM) relates to domain-specific behaviors of financial management, specifically cash management, credit management, and savings and investment, for a sample of 1,245 young adults age 18-34. Using data collected by an online survey administration organization, research results indicated a…
Descriptors: Social Mobility, Occupational Mobility, Income, Money Management
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Shin, Su Hyun; Kim, Kyoung Tae – Journal of Financial Counseling and Planning, 2018
Using the 2007-2009 Survey of Consumer Finances panel dataset, we investigate whether and how changes in perceived income and saving motives are related to demand for household savings in the United States after the Great Recession. Households that perceive their current income as lower, relative to normal years are less likely to save than those…
Descriptors: Money Management, Economic Climate, Role, Family Income
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De Moor, Lieven; Verschetze, Lindsey – Journal of Financial Counseling and Planning, 2017
The purpose of this article is to assess the student teachers' capacity and willingness to teach financial literacy in Flanders via on-site paper surveys of 368 final-year teacher education students. We argue that the Flemish teacher education program needs to be revised to introduce financial education in secondary schools. We find that revisions…
Descriptors: Teaching Methods, Money Management, Literacy, Student Teacher Attitudes
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Kim, Jinhee; Gutter, Michael S.; Spangler, Taylor – Journal of Financial Counseling and Planning, 2017
This article reviews the theories and literature in intrahousehold financial decisions, spousal partners and financial decision making, family system and financial decision process, children, and financial decisions. The article draws conclusions from the literature review and discusses directions for future research and educational programs. Most…
Descriptors: Money Management, Decision Making, Family (Sociological Unit), Counseling Techniques
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Hunter, Jennifer L.; Heath, Claudia J. – Journal of Financial Counseling and Planning, 2017
This article uses a random digit dial probability sample (N = 328) to examine the relationship between credit card use behaviors and household well-being during a period of severe economic recession: The Great Recession. The ability to measure the role of credit card use during a period of recession provides unique insights to the study of credit…
Descriptors: Credit (Finance), Consumer Economics, Well Being, Family (Sociological Unit)
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Ssebagala, Ralph Abbey – Journal of Financial Counseling and Planning, 2017
A large fraction of South African consumers are highly leveraged, inadequately insured, and/or own little to no assets of value, which increases their exposure not only to idiosyncratic risk but also to severe indebtedness and/or default. This scenario can present negative ramifications that lead well beyond the confines of individual households.…
Descriptors: Foreign Countries, Debt (Financial), Consumer Economics, Legislation
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Zagorsky, Jay L. – Journal of Financial Counseling and Planning, 2017
This research investigates if ethical behaviors and personal finances are related using a large scale U.S. random survey called the National Longitudinal Survey of Youth 1997 (NLSY97). Fifteen indicators covering both ethical and unethical behaviors are compared to net worth for people in their 20s and 30s, who are called Generation Y. Breaking…
Descriptors: Ethics, Money Management, Behavior Patterns, Correlation
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