{"id":"https://openalex.org/W2502717068","doi":"https://doi.org/10.1371/journal.pone.0159561","title":"The Effects of Financial Education on Impulsive Decision Making","display_name":"The Effects of Financial Education on Impulsive Decision Making","publication_year":2016,"publication_date":"2016-07-21","ids":{"openalex":"https://openalex.org/W2502717068","doi":"https://doi.org/10.1371/journal.pone.0159561","mag":"2502717068","pmid":"https://pubmed.ncbi.nlm.nih.gov/27442237","pmcid":"https://www.ncbi.nlm.nih.gov/pmc/articles/4956221"},"language":"en","primary_location":{"id":"doi:10.1371/journal.pone.0159561","doi":"https://doi.org/10.1371/journal.pone.0159561","is_oa":true,"landing_page_url":"https://doi.org/10.1371/journal.pone.0159561","pdf_url":"https://journals.plos.org/plosone/article/file?id=10.1371/journal.pone.0159561&type=printable","source":{"id":"https://openalex.org/S202381698","display_name":"PLoS ONE","issn_l":"1932-6203","issn":["1932-6203"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","dongbi-c","doyens","erih-plus","jufo-1","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315706","host_organization_name":"Public Library of Science","host_organization_lineage":["https://openalex.org/P4310315706"],"host_organization_lineage_names":["Public Library of Science"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLOS ONE","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj","pubmed"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://journals.plos.org/plosone/article/file?id=10.1371/journal.pone.0159561&type=printable","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5077883908","display_name":"William Brady DeHart","orcid":"https://orcid.org/0000-0002-2542-2045","observed_orcids":["https://orcid.org/0000-0002-2542-2045"]},"institutions":[{"id":"https://openalex.org/I121980950","display_name":"Utah State University","ror":"https://ror.org/00h6set76","country_code":"US","type":"education","lineage":["https://openalex.org/I121980950"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"William B. DeHart","raw_affiliation_strings":["Department of Psychology, Utah State University, Logan, Utah, United States of America"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Psychology, Utah State University, Logan, Utah, United States of America","institution_ids":["https://openalex.org/I121980950"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5052726202","display_name":"Jonathan E. Friedel","orcid":"https://orcid.org/0000-0002-1516-330X","observed_orcids":["https://orcid.org/0000-0002-1516-330X"]},"institutions":[{"id":"https://openalex.org/I121980950","display_name":"Utah State University","ror":"https://ror.org/00h6set76","country_code":"US","type":"education","lineage":["https://openalex.org/I121980950"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Jonathan E. Friedel","raw_affiliation_strings":["Department of Psychology, Utah State University, Logan, Utah, United States of America"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Psychology, Utah State University, Logan, Utah, United States of America","institution_ids":["https://openalex.org/I121980950"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5022951576","display_name":"Jean M. Lown","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I121980950","display_name":"Utah State University","ror":"https://ror.org/00h6set76","country_code":"US","type":"education","lineage":["https://openalex.org/I121980950"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Jean M. Lown","raw_affiliation_strings":["Department of Family, Consumer and Human Development, Utah State University, Logan, Utah, United States of America"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Family, Consumer and Human Development, Utah State University, Logan, Utah, United States of America","institution_ids":["https://openalex.org/I121980950"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5050115675","display_name":"Amy L. Odum","orcid":"https://orcid.org/0000-0001-9460-4013","observed_orcids":["https://orcid.org/0000-0001-9460-4013"]},"institutions":[{"id":"https://openalex.org/I121980950","display_name":"Utah State University","ror":"https://ror.org/00h6set76","country_code":"US","type":"education","lineage":["https://openalex.org/I121980950"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Amy L. Odum","raw_affiliation_strings":["Department of Psychology, Utah State University, Logan, Utah, United States of America"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Psychology, Utah State University, Logan, Utah, United States of America","institution_ids":["https://openalex.org/I121980950"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5077883908"],"corresponding_institution_ids":["https://openalex.org/I121980950"],"apc_list":{"value":2382,"currency":"USD","value_usd":2382},"apc_paid":{"value":2382,"currency":"USD","value_usd":2382},"fwci":1.7314,"has_fulltext":true,"cited_by_count":40,"citation_normalized_percentile":{"value":0.8516129,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":95,"max":99},"biblio":{"volume":"11","issue":"7","first_page":"e0159561","last_page":"e0159561"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.9599999785423279,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.9599999785423279,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.03739999979734421,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.9940000176429749},{"id":"https://openalex.org/keywords/delay-discounting","display_name":"delay discounting","score":0.9879999756813049},{"id":"https://openalex.org/keywords/impulsive-decision-making","display_name":"impulsive decision-making","score":0.968999981880188},{"id":"https://openalex.org/keywords/impulsivity","display_name":"impulsivity","score":0.7689999938011169},{"id":"https://openalex.org/keywords/financial-risk-tolerance","display_name":"financial risk tolerance","score":0.8450000286102295},{"id":"https://openalex.org/keywords/substance-abuse","display_name":"substance abuse","score":0.703000009059906},{"id":"https://openalex.org/keywords/risk-taking","display_name":"risk-taking","score":0.9100000262260437},{"id":"https://openalex.org/keywords/personality","display_name":"personality","score":0.3050000071525574}],"concepts":[{"id":"https://openalex.org/C2994109249","wikidata":"https://www.wikidata.org/wiki/Q186412","display_name":"Delay discounting","level":3,"score":0.933588981628418},{"id":"https://openalex.org/C6177178","wikidata":"https://www.wikidata.org/wiki/Q10998070","display_name":"Discounting","level":2,"score":0.8159471154212952},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.5520803332328796},{"id":"https://openalex.org/C2780319597","wikidata":"https://www.wikidata.org/wiki/Q1549918","display_name":"Impulsivity","level":2,"score":0.525058925151825},{"id":"https://openalex.org/C2780451532","wikidata":"https://www.wikidata.org/wiki/Q759676","display_name":"Task (project management)","level":2,"score":0.4896829426288605},{"id":"https://openalex.org/C127729010","wikidata":"https://www.wikidata.org/wiki/Q60165","display_name":"Dynamic inconsistency","level":2,"score":0.46140068769454956},{"id":"https://openalex.org/C70410870","wikidata":"https://www.wikidata.org/wiki/Q199906","display_name":"Clinical psychology","level":1,"score":0.3066655397415161},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.25919705629348755},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.22243279218673706},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.06691589951515198},{"id":"https://openalex.org/C187736073","wikidata":"https://www.wikidata.org/wiki/Q2920921","display_name":"Management","level":1,"score":0.0}],"mesh":[{"descriptor_ui":"D003657","descriptor_name":"Decision Making","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D004467","descriptor_name":"Economics","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D005260","descriptor_name":"Female","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D006801","descriptor_name":"Humans","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D007175","descriptor_name":"Impulsive Behavior","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D008297","descriptor_name":"Male","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D008962","descriptor_name":"Models, Theoretical","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D019540","descriptor_name":"Area Under Curve","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D055815","descriptor_name":"Young Adult","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false}],"locations_count":8,"locations":[{"id":"doi:10.1371/journal.pone.0159561","doi":"https://doi.org/10.1371/journal.pone.0159561","is_oa":true,"landing_page_url":"https://doi.org/10.1371/journal.pone.0159561","pdf_url":"https://journals.plos.org/plosone/article/file?id=10.1371/journal.pone.0159561&type=printable","source":{"id":"https://openalex.org/S202381698","display_name":"PLoS ONE","issn_l":"1932-6203","issn":["1932-6203"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","dongbi-c","doyens","erih-plus","jufo-1","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315706","host_organization_name":"Public Library of Science","host_organization_lineage":["https://openalex.org/P4310315706"],"host_organization_lineage_names":["Public Library of Science"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLOS ONE","raw_type":"journal-article"},{"id":"pmh:oai:europepmc.org:3938391","doi":null,"is_oa":true,"landing_page_url":"https://www.ncbi.nlm.nih.gov/pmc/articles/4956221","pdf_url":null,"source":{"id":"https://openalex.org/S4306400806","display_name":"Europe PMC (PubMed Central)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1303153112","host_organization_name":"European Bioinformatics Institute","host_organization_lineage":["https://openalex.org/I1303153112"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":null,"raw_type":"Text"},{"id":"pmh:oai:pubmedcentral.nih.gov:4956221","doi":null,"is_oa":true,"landing_page_url":"https://www.ncbi.nlm.nih.gov/pmc/articles/4956221","pdf_url":null,"source":{"id":"https://openalex.org/S2764455111","display_name":"PubMed Central","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLoS One","raw_type":"Text"},{"id":"pmid:27442237","doi":null,"is_oa":false,"landing_page_url":"https://pubmed.ncbi.nlm.nih.gov/27442237","pdf_url":null,"source":{"id":"https://openalex.org/S4306525036","display_name":"PubMed","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PloS one","raw_type":"Journal Article"},{"id":"pmh:oai:digitalcommons.usu.edu:psych_facpub-2090","doi":null,"is_oa":false,"landing_page_url":"https://digitalcommons.usu.edu/psych_facpub/1217","pdf_url":null,"source":{"id":"https://openalex.org/S4377196327","display_name":"Digital Commons - USU (Utah State University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I121980950","host_organization_name":"Utah State University","host_organization_lineage":["https://openalex.org/I121980950"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Psychology Faculty Publications","raw_type":"text"},{"id":"pmh:oai:RePEc:plo:pone00:0159561","doi":null,"is_oa":false,"landing_page_url":"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0159561","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:doaj.org/article:6d9aaaa9f41b4cd09f433a7f2fe3bd2f","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/6d9aaaa9f41b4cd09f433a7f2fe3bd2f","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"PLoS ONE, Vol 11, Iss 7, p e0159561 (2016)","raw_type":"article"},{"id":"pmh:oai:figshare.com:article/3894246","doi":null,"is_oa":true,"landing_page_url":"https://figshare.com/articles/dataset/The_Effects_of_Financial_Education_on_Impulsive_Decision_Making/3894246","pdf_url":null,"source":{"id":"https://openalex.org/S4377196282","display_name":"Figshare","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4210132348","host_organization_name":"Figshare (United Kingdom)","host_organization_lineage":["https://openalex.org/I4210132348"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Dataset"}],"best_oa_location":{"id":"doi:10.1371/journal.pone.0159561","doi":"https://doi.org/10.1371/journal.pone.0159561","is_oa":true,"landing_page_url":"https://doi.org/10.1371/journal.pone.0159561","pdf_url":"https://journals.plos.org/plosone/article/file?id=10.1371/journal.pone.0159561&type=printable","source":{"id":"https://openalex.org/S202381698","display_name":"PLoS ONE","issn_l":"1932-6203","issn":["1932-6203"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","dongbi-c","doyens","erih-plus","jufo-1","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315706","host_organization_name":"Public Library of Science","host_organization_lineage":["https://openalex.org/P4310315706"],"host_organization_lineage_names":["Public Library of Science"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLOS ONE","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Quality education","id":"https://metadata.un.org/sdg/4","score":0.5385000109672546}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2502717068.pdf","grobid_xml":"https://content.openalex.org/works/W2502717068.grobid-xml"},"referenced_works_count":76,"referenced_works":["https://openalex.org/W1479928918","https://openalex.org/W1501926725","https://openalex.org/W1533659445","https://openalex.org/W1847236181","https://openalex.org/W1895131631","https://openalex.org/W1950067960","https://openalex.org/W1967752497","https://openalex.org/W1968161699","https://openalex.org/W1969592738","https://openalex.org/W1969665329","https://openalex.org/W1970365815","https://openalex.org/W1973550127","https://openalex.org/W1984107995","https://openalex.org/W1985343122","https://openalex.org/W1986505942","https://openalex.org/W1987710865","https://openalex.org/W2005019135","https://openalex.org/W2005202202","https://openalex.org/W2005658768","https://openalex.org/W2006778537","https://openalex.org/W2014458732","https://openalex.org/W2017052689","https://openalex.org/W2019066120","https://openalex.org/W2021969273","https://openalex.org/W2028713883","https://openalex.org/W2030271725","https://openalex.org/W2034495349","https://openalex.org/W2036924469","https://openalex.org/W2038223064","https://openalex.org/W2041167258","https://openalex.org/W2041440692","https://openalex.org/W2042885641","https://openalex.org/W2043529882","https://openalex.org/W2049517076","https://openalex.org/W2053179522","https://openalex.org/W2054126570","https://openalex.org/W2059677078","https://openalex.org/W2063553039","https://openalex.org/W2071589850","https://openalex.org/W2072715247","https://openalex.org/W2073860106","https://openalex.org/W2076063382","https://openalex.org/W2078415415","https://openalex.org/W2083649502","https://openalex.org/W2092110116","https://openalex.org/W2094308770","https://openalex.org/W2094970075","https://openalex.org/W2096452841","https://openalex.org/W2103472510","https://openalex.org/W2111763284","https://openalex.org/W2113788396","https://openalex.org/W2115743154","https://openalex.org/W2118475046","https://openalex.org/W2120121363","https://openalex.org/W2133959349","https://openalex.org/W2135545577","https://openalex.org/W2140477846","https://openalex.org/W2141833802","https://openalex.org/W2145885996","https://openalex.org/W2154763485","https://openalex.org/W2155653593","https://openalex.org/W2162504431","https://openalex.org/W2163789302","https://openalex.org/W2163840979","https://openalex.org/W2165383421","https://openalex.org/W2254509181","https://openalex.org/W2298179545","https://openalex.org/W2312794534","https://openalex.org/W2404472472","https://openalex.org/W2410276799","https://openalex.org/W2500897968","https://openalex.org/W2582743722","https://openalex.org/W3122262052","https://openalex.org/W3212920224","https://openalex.org/W4253063180","https://openalex.org/W4301348524"],"related_works":["https://openalex.org/W4376460220","https://openalex.org/W97552022","https://openalex.org/W2065958789","https://openalex.org/W1904443699","https://openalex.org/W2042885641","https://openalex.org/W4367321485","https://openalex.org/W7095254216","https://openalex.org/W2152824457","https://openalex.org/W2518349054","https://openalex.org/W2889331490"],"abstract_inverted_index":{"Delay":[0,117],"discounting,":[1],"as":[2,82,84],"a":[3,35,49,67,98,109],"behavioral":[4],"measure":[5],"of":[6,27,34,79,92,128],"impulsive":[7],"choice,":[8],"is":[9],"strongly":[10],"related":[11],"to":[12,41],"substance":[13],"abuse":[14],"and":[15,56,101,108],"other":[16],"risky":[17],"behaviors.":[18],"Therefore,":[19],"effective":[20,149],"techniques":[21],"that":[22],"alter":[23],"delay":[24,43,137,153],"discounting":[25,118,138],"are":[26],"great":[28],"interest.":[29],"We":[30],"explored":[31],"the":[32,73,80,86,93,121,126,129,140],"ability":[33],"semester":[36,81,130],"long":[37],"financial":[38,50,102,122],"education":[39,51,123,145],"course":[40,52,60],"change":[42,135],"discounting.":[44,154],"Participants":[45,95],"were":[46],"recruited":[47],"from":[48],"(n":[53,61],"=":[54,62],"237)":[55],"an":[57,148],"abnormal":[58,141],"psychology":[59,142],"80).":[63],"Both":[64],"groups":[65],"completed":[66,97],"delay-discounting":[68,110],"task":[69,111],"for":[70,112,151],"$100":[71],"during":[72,85,114],"first":[74],"two":[75,88],"weeks":[76,89],"(Time":[77,90],"1)":[78],"well":[83],"last":[87],"2)":[91],"semester.":[94],"also":[96],"personality":[99],"inventory":[100],"risk":[103],"tolerance":[104],"scale":[105],"both":[106],"times":[107],"$1,000":[113],"Time":[115],"2.":[116],"decreased":[119],"in":[120,136,139],"group":[124],"at":[125],"end":[127],"whereas":[131],"there":[132],"was":[133],"no":[134],"group.":[143],"Financial":[144],"may":[146],"be":[147],"method":[150],"reducing":[152]},"counts_by_year":[{"year":2026,"cited_by_count":5},{"year":2025,"cited_by_count":4},{"year":2024,"cited_by_count":8},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":6},{"year":2020,"cited_by_count":4},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":3}],"updated_date":"2026-10-31T12:09:11.096373","created_date":"2016-08-23T00:00:00"}