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Horwitz, Edward J.; Klontz, Bradley T.; Zabek, Faith – Journal of Financial Counseling and Planning, 2019
Despite decades of retirement plan enrollment meetings, many employees fail to fully engage in their employer-sponsored retirement plans. Under the framework of the Transtheoretical Model (TTM) of Behavior Change, this study examines the effectiveness of a financial psychology intervention designed to increase engagement in employer-sponsored…
Descriptors: Intervention, Employees, Retirement Benefits, Participation
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Ammerman, David Allen; Stueve, Cherie – Journal of Financial Counseling and Planning, 2019
The purpose of this study was to explore the potential influence of childhood financial socialization on financial well-being in adulthood. Using a sample (N = 2,213) from De Nederlandsche Bank Household Survey (DHS) we modeled the likelihood of household debt/asset ratio less than or equal to 40%, and the likelihood of a household reporting a…
Descriptors: Experiential Learning, Socialization, Money Management, Learning Theories
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de Villiers, Johann U.; Roux, Elze-Mar – Journal of Financial Counseling and Planning, 2019
An increasing number of individuals will be unable to retire comfortably amidst an international retirement savings crisis. Research suggests that behavioral factors contribute to inadequate retirement savings. We present a procedure that reframes the retirement savings decision, aimed at alleviating some of the negative effects of the behavioral…
Descriptors: Money Management, Retirement, Sustainability, Life Style
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Archuleta, Kristy L.; Stueve, Cherie; Stebbins, Richard; Kemnitz, Randy J.; Chaffin, Charles R.; Williams, Kelley K.; Poplaski, Stephen C.; Sages, Ronald A.; Tibbetts, Racquel Heath; Burr, Emily A. – Journal of Financial Counseling and Planning, 2019
This study utilized qualitative methods to explore perceptions of graduates from Certified Financial Planning Board of Standards, Inc. Registered Programs regarding experiences that impact Certified Financial Planner (CFP) certification completion. Participants (N = 16) were classified into four different groups: Certified, In Progress, With…
Descriptors: Certification, Finance Occupations, Financial Services, College Graduates
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Tumataroa, Shannon; O'Hare, David – Journal of Financial Counseling and Planning, 2019
The efficacy of family budgeting programs is often measured purely in terms of financial outcomes. There has been less research on its potential impacts on cognitive outcomes. The present study investigated whether an existing financial counseling intervention could help people improve their deliberative cognitive capacity. A community sample of…
Descriptors: Self Control, Financial Services, Counseling, Money Management
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Dituri, Philip; Davidson, Andrew; Marley-Payne, Jack – Journal of Financial Counseling and Planning, 2019
Recent research has shown that two forms of education intervention significantly improve financial outcomes: rigorous, in-depth personal finance courses and additional mathematics coursework. This suggests that a mathematics course that offered systematic, in-depth applications to personal finance could be particularly effective. In this article,…
Descriptors: Money Management, Mathematics Education, Literacy, Spreadsheets
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Spuhlera, Bryan K.; Dew, Jeffrey – Journal of Financial Counseling and Planning, 2019
This study examines the relationship between sound financial management behaviors and happiness using a national sample of adults collected in 2009 (N = 1,014). We used Maslow's hierarchy of needs (1943) as a theoretical framework to examine associations between sound financial management behavior, economic pressure, relationship satisfaction, and…
Descriptors: Money Management, Psychological Patterns, Satisfaction, Adults
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Kiymaz, Halil; Öztürkkal, Belma – Journal of Financial Counseling and Planning, 2019
This study investigates perceived financial needs and subjective financial well-being using data from a national survey of 2,567 households in Turkey. Financial needs are measured by consumer perceived ability to meet current living expenses in the short-term as well as their assessment for the retirement security in the long-term. We also…
Descriptors: Foreign Countries, Financial Needs, Money Management, Well Being
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Lawson, Derek R.; Scroggs, Barrett; Vennum, Amber – Journal of Financial Counseling and Planning, 2019
This study explores the influence of parental warmth during adolescence on financial experiences and well-being across the transition to adulthood. Given the poorer financial outcomes and more complicated parental relationships reported by sexual minorities compared to their sexual majority counterparts, the present study examined the moderating…
Descriptors: Parenting Styles, Parent Child Relationship, Adolescents, Income
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Kimiyagahlam, Fatemeh; Safari, Meysam; Mansori, Shaheen – Journal of Financial Counseling and Planning, 2019
The main objective of this research is to identify the behavioral factors which have an effect on retirement planning behavior. The study applies the theory of planned behavior and time perspective theory as a basis for the analysis of data by the structural equation modeling technique from a sample of 900 adults in Kelang Valley, Malaysia. The…
Descriptors: Foreign Countries, Retirement, Planning, Adults
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Cheng, Yuanshan; Kalenkoski, Charlene M.; Gibson, Philip – Journal of Financial Counseling and Planning, 2019
From 2007 to 2009, the U.S. economy went through a deep economic downturn which is popularly known as the Great Recession. It resulted in a significant loss of wealth for many investors. While some investors sought the advice of financial advisors; others did not. This study examines the economic situation of households using the National…
Descriptors: Finance Occupations, Personnel Selection, Dismissal (Personnel), Economic Climate
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Atlas, Stephen A.; Lu, Jialing; Micu, P. Dorin; Porto, Nilton – Journal of Financial Counseling and Planning, 2019
This article investigates associations between confidence about financial knowledge and two outcome variables, financial behaviors and financial satisfaction. On one hand, subjective financial knowledge (confidence) is necessary to make proactive decisions, yet overconfidence has been associated with a range of negative financial behaviors and…
Descriptors: Money Management, Credit (Finance), Self Efficacy, Correlation
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Tenney, Jacob A.; Kalenkoski, Charlene M. – Journal of Financial Counseling and Planning, 2019
This study explores the relationship between objective measures and perceptions of financial well-being for older Americans. Financial well-being is measured objectively using three financial ratios including the liquidity ratio, the debt-to-asset ratio, and the investment ratio. Individuals' perceptions of their financial well-being are measured…
Descriptors: Older Adults, Well Being, Money Management, Attitudes
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Hawkins, Blendine Perreire; Zuiker, Virginia S. – Journal of Financial Counseling and Planning, 2019
Financial counseling work with clients of color is unique and can be complex. There is a need for a better understanding of culturally aware and competent counseling approaches with clients of color to provide effective services. Nine financial professionals who work with clients of color were interviewed in this qualitative phenomenological study…
Descriptors: Finance Occupations, Money Management, Cultural Awareness, Cultural Context
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Wagner, Jamie – Journal of Financial Counseling and Planning, 2019
This study examines associations between financial education and financial literacy among people with different levels of education and income using a large, national data set, the 2015 National Financial Capability Study. This study estimates whether financial education in high school, college, or through an employer, is associated with a…
Descriptors: Money Management, Income, Literacy, Educational Attainment
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