{"id":"https://openalex.org/W4392285269","doi":"https://doi.org/10.1111/joca.12568","title":"Income predictability and budgeting","display_name":"Income predictability and budgeting","publication_year":2024,"publication_date":"2024-02-29","ids":{"openalex":"https://openalex.org/W4392285269","doi":"https://doi.org/10.1111/joca.12568"},"language":"en","primary_location":{"id":"doi:10.1111/joca.12568","doi":"https://doi.org/10.1111/joca.12568","is_oa":true,"landing_page_url":"https://doi.org/10.1111/joca.12568","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/joca.12568","source":{"id":"https://openalex.org/S189751245","display_name":"Journal of Consumer Affairs","issn_l":"0022-0078","issn":["0022-0078","1745-6606"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Consumer Affairs","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/joca.12568","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5057183028","display_name":"C. Yiwei Zhang","orcid":"https://orcid.org/0000-0001-5265-6042","observed_orcids":["https://orcid.org/0000-0001-5265-6042"]},"institutions":[{"id":"https://openalex.org/I135310074","display_name":"University of Wisconsin\u2013Madison","ror":"https://ror.org/01y2jtd41","country_code":"US","type":"education","lineage":["https://openalex.org/I135310074"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"C. Yiwei Zhang","raw_affiliation_strings":["Department of Consumer Science, University of Wisconsin-Madison, Madison, Wisconsin, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Consumer Science, University of Wisconsin-Madison, Madison, Wisconsin, USA","institution_ids":["https://openalex.org/I135310074"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5027438856","display_name":"Abigail B. Sussman","orcid":"https://orcid.org/0000-0002-5333-558X","observed_orcids":["https://orcid.org/0000-0002-5333-558X"]},"institutions":[{"id":"https://openalex.org/I40347166","display_name":"University of Chicago","ror":"https://ror.org/024mw5h28","country_code":"US","type":"education","lineage":["https://openalex.org/I40347166"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Abigail B. Sussman","raw_affiliation_strings":["Department of Marketing, University of Chicago Booth School of Business, Chicago, Illinois, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Marketing, University of Chicago Booth School of Business, Chicago, Illinois, USA","institution_ids":["https://openalex.org/I40347166"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5057183028"],"corresponding_institution_ids":["https://openalex.org/I135310074"],"apc_list":{"value":3190,"currency":"USD","value_usd":3190},"apc_paid":{"value":3190,"currency":"USD","value_usd":3190},"fwci":3.6546,"has_fulltext":true,"cited_by_count":15,"citation_normalized_percentile":{"value":0.92790166,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":98},"biblio":{"volume":"58","issue":"1","first_page":"304","last_page":"341"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"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"}},{"id":"https://openalex.org/T10446","display_name":"Income, Poverty, and Inequality","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/income-risk","display_name":"income risk","score":0.5379999876022339},{"id":"https://openalex.org/keywords/household-budgeting","display_name":"household budgeting","score":0.8930000066757202},{"id":"https://openalex.org/keywords/financial-well-being","display_name":"financial well-being","score":0.859000027179718},{"id":"https://openalex.org/keywords/household-financial-stability","display_name":"household financial stability","score":0.6290000081062317},{"id":"https://openalex.org/keywords/budgeting-behavior","display_name":"budgeting behavior","score":0.7039999961853027},{"id":"https://openalex.org/keywords/home-insurance","display_name":"household insurance","score":0.5849999785423279}],"concepts":[{"id":"https://openalex.org/C197640229","wikidata":"https://www.wikidata.org/wiki/Q2534066","display_name":"Predictability","level":2,"score":0.8453197479248047},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.5328562259674072},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.47821709513664246},{"id":"https://openalex.org/C166167597","wikidata":"https://www.wikidata.org/wiki/Q5157006","display_name":"Comprehensive income","level":5,"score":0.4689972400665283},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4352152645587921},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.36096715927124023},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.33513426780700684},{"id":"https://openalex.org/C172008318","wikidata":"https://www.wikidata.org/wiki/Q3683077","display_name":"Gross income","level":4,"score":0.27410101890563965},{"id":"https://openalex.org/C74939039","wikidata":"https://www.wikidata.org/wiki/Q7603703","display_name":"State income tax","level":3,"score":0.061406999826431274},{"id":"https://openalex.org/C551662922","wikidata":"https://www.wikidata.org/wiki/Q2346630","display_name":"Tax reform","level":2,"score":0.0},{"id":"https://openalex.org/C62520636","wikidata":"https://www.wikidata.org/wiki/Q944","display_name":"Quantum mechanics","level":1,"score":0.0},{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1111/joca.12568","doi":"https://doi.org/10.1111/joca.12568","is_oa":true,"landing_page_url":"https://doi.org/10.1111/joca.12568","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/joca.12568","source":{"id":"https://openalex.org/S189751245","display_name":"Journal of Consumer Affairs","issn_l":"0022-0078","issn":["0022-0078","1745-6606"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Consumer Affairs","raw_type":"journal-article"},{"id":"doi:10.2139/ssrn.4492101","doi":"https://doi.org/10.2139/ssrn.4492101","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.4492101","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"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":"posted-content"}],"best_oa_location":{"id":"doi:10.1111/joca.12568","doi":"https://doi.org/10.1111/joca.12568","is_oa":true,"landing_page_url":"https://doi.org/10.1111/joca.12568","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/joca.12568","source":{"id":"https://openalex.org/S189751245","display_name":"Journal of Consumer Affairs","issn_l":"0022-0078","issn":["0022-0078","1745-6606"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Consumer Affairs","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"No poverty","score":0.41670000553131104,"id":"https://metadata.un.org/sdg/1"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[{"id":"https://openalex.org/F4320332552","display_name":"Booth School of Business, University of Chicago","ror":"https://ror.org/024mw5h28"}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4392285269.pdf","grobid_xml":"https://content.openalex.org/works/W4392285269.grobid-xml"},"referenced_works_count":28,"referenced_works":["https://openalex.org/W1602487922","https://openalex.org/W2016471870","https://openalex.org/W2023548979","https://openalex.org/W2058945081","https://openalex.org/W2088027515","https://openalex.org/W2401133899","https://openalex.org/W2590951501","https://openalex.org/W2767423872","https://openalex.org/W2773412370","https://openalex.org/W2889813007","https://openalex.org/W2902375036","https://openalex.org/W2971971724","https://openalex.org/W2972250291","https://openalex.org/W3048570920","https://openalex.org/W3092948975","https://openalex.org/W3123645692","https://openalex.org/W3136126116","https://openalex.org/W3167316395","https://openalex.org/W3174533914","https://openalex.org/W3202836249","https://openalex.org/W4200611774","https://openalex.org/W4221125780","https://openalex.org/W4238893884","https://openalex.org/W4285729848","https://openalex.org/W4302334727","https://openalex.org/W4306827323","https://openalex.org/W4309652962","https://openalex.org/W4310952453"],"related_works":["https://openalex.org/W2167015273","https://openalex.org/W4408908595","https://openalex.org/W2915619754","https://openalex.org/W7125377195","https://openalex.org/W7098653895","https://openalex.org/W2904470141","https://openalex.org/W4408387124","https://openalex.org/W7162694226","https://openalex.org/W4406731047","https://openalex.org/W7071097317"],"abstract_inverted_index":{"Abstract":[0],"Unpredictable":[1],"income":[2,50,75,141],"poses":[3],"a":[4,60,70,100],"significant":[5],"threat":[6],"to":[7,18,116,144],"economic":[8],"stability":[9],"for":[10,90,103,133],"many":[11],"U.S.":[12,66],"households.":[13],"While":[14],"budgeting":[15,31,55,97],"may":[16,98],"help":[17],"mitigate":[19],"some":[20],"of":[21,25,30,63,83,108],"the":[22,28,47,81,105,114,124,131],"negative":[23,72,85],"effects":[24,107],"unpredictable":[26,109,126,140],"income,":[27],"process":[29],"can":[32],"also":[33],"be":[34,99],"more":[35],"challenging":[36],"under":[37],"such":[38],"circumstances.":[39],"This":[40,94],"paper":[41],"presents":[42],"new":[43],"descriptive":[44],"evidence":[45],"on":[46],"relationship":[48,73,86],"between":[49,74],"predictability,":[51],"financial":[52,78,148],"wellbeing,":[53],"and":[54,77],"behavior":[56],"using":[57],"data":[58],"from":[59],"nationally\u2010representative":[61],"survey":[62],"nearly":[64],"4000":[65],"adults.":[67],"We":[68],"document":[69],"strong":[71],"unpredictability":[76],"wellbeing.":[79],"However,":[80],"strength":[82],"this":[84],"is":[87,118],"substantially":[88],"attenuated":[89],"those":[91,122],"who":[92],"budget.":[93],"suggests":[95],"that":[96,136],"useful":[101],"tool":[102],"mitigating":[104],"adverse":[106],"income.":[110,127],"Despite":[111],"these":[112],"benefits,":[113],"propensity":[115],"budget":[117],"significantly":[119],"lower":[120],"among":[121],"with":[123],"most":[125],"These":[128],"findings":[129],"indicate":[130],"need":[132],"policy":[134],"reforms":[135],"insure":[137],"households":[138],"against":[139],"in":[142],"addition":[143],"efforts":[145],"targeting":[146],"individual\u2010level":[147],"management":[149],"strategies.":[150]},"counts_by_year":[{"year":2026,"cited_by_count":5},{"year":2025,"cited_by_count":5},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":2}],"updated_date":"2026-11-09T13:22:03.289127","created_date":"2024-03-05T00:00:00"}