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- W2340636868 abstract "Abstract Financial knowledge is an important but insufficient driver of responsible financial behavior. Having a positive evaluation of oneself may also be essential for individuals to initiate and persist with the daunting process of financial management. In this study, we distinguish subjective financial knowledge from objective financial knowledge, and we propose that self-esteem relates to financial behavior both directly as well as indirectly through subjective financial knowledge. Results based on a nationally representative dataset of U.S. adults suggest that self-esteem significantly relates to individual financial behavior after controlling for financial knowledge and other socioeconomic factors. The association between self-esteem and financial behavior could be both direct and indirect through subjective financial knowledge. These findings highlight the importance of psychological traits such as self-esteem in explaining financial behavior difference. Its implications are discussed." @default.
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- W2340636868 date "2016-06-01" @default.
- W2340636868 modified "2023-10-09" @default.
- W2340636868 title "Self-esteem, financial knowledge and financial behavior" @default.
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- W2340636868 doi "https://doi.org/10.1016/j.joep.2016.04.005" @default.
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