Index of Key Words
To save space, articles are cited using only the last name of the first author and the year published.
Clicking on the name will take you to the abstract.

• Absenteeism: Garman, 1996 ; Williams, 1996; Kim, 2003(1).
  
• Accountants: Ayres, 1994 ; Fuller, 1997(1).
• Adolescent spending: Alhabeeb, 1996; Alhabeeb, 1999 (2) .
• Adoption: Li, 2002(2).
• Adult education:  DeVaney&Bechman, 2001(1); Rhine, 2002(2).
• Age effect: DeVaney/Zhang, 2001(1).
• Allowances: Alhabeeb, 1999 (2).
• Alternative financial sector: Swagler, 1995.
• Annuity: Sullivan, 1995; Williams & Kao, 1997(2)
• Arguments regarding finances: Lawrence, 1993.
• Asset allocation: Hanna, 1997 (2); Hooks, 1998 (2); Colemen, 2003(2); Shelor, 2003(1); Bhargava, 2004(2).
  
• Asset transfers: Edwards, 1991.
• Assets: Beutler, 1997(1).
• Attitudes: Lown, 1990; Wilhelm, 1993 ; DeVaney, 1996; Parotta, 1998 (2); Godwin, 1999 (1);  Grable, 1999 (1); Zagorsky, 2000(1).
• Bankruptcy: Fan, 1992 ; McGregor, 1997(1).
• Behavioral change: Shockey, 2004(1); Xiao, 2004(2).
  
• Balance sheet: Beutler, 1997(1).
• Benefit-cost: Morgan, 1995.
• Bonds: Zhong, 1995 ; Xiao, 1995.
• Budgeting: Bae, 1993 ; Davis, 1990 ; Davis, 1992 ; Shelton, 1995; Klingander,2000(2) .
• Cafeteria plan: Garman, 1997 (2).
• Canada: McGregor, 1997(1).
• Capital accumulation ratio: Yao, 2003(2).
  
• Career change: Brunson, 1998 (1).
• Cash flow management: Godwin, 1992 ; Godwin, 1994 ; DeVaney, 1996; Muske, 1999 (1); Zuiker, 2002(2).
• Certification: Langrehr, 1991 ; Mason, 1993; Oleson, 2004(2).
  
• Child support, Seiling, 1990.
• Children and money: Danes, 1994 ; Alhabeeb, 1996 ; Alhabeeb, 1999 (2); Crites, 2001(2); Bowen, 2002(2); Hibbert, 2004(2).
  
• Classification tree: DeVaney, 1994.
• Cognitive psychology: Zielonka, 2002(1).
• Cognitive style: Prochaska-Cue, 1993 ; Rettig, 1991.
• Cohort effect:  DeVaney/Zhang, 2001(1).
• College student expenditures: Churaman, 1992 ; Todd, 1997(1); Fan, 2002(1); Cha, 2002(1).
  
• College, saving for: Hanna, 1996 ; Lee, 1997(1) ; Todd, 1997(1)
• College students: Leach, 1999 (2); Fan, 2002(1); Lyons, 2003(2).
• Compulsive spending: Edwards, 1993.
• Computer software for financial plans: Phillips, 1992 ; Hanna, 1995.
• Conflict mode:  Danes, 2000(2).
• Conspicuous consumption: Fan, 2002(1).
• Consumer behavior:  Xiao, 2004(2).
• Consumer Expenditure Survey: Bae, 1993 ; Oh, 1995 ; Jayathirtha, 1996 ; Williams, 1997(2); Loibl, 2003(2).
• Customer satisfaction: Kuhlemeyer, 1999 (2).
• Consumer finance: Davis, 1990.
• Counseling: (see Financial counseling.)
• Counseling versus planning: Langrehr, 1991.
• Credit: Fan, 1992 ; Lown, 1992 ; Walden, 1992 ; Godwin, 1996 ; DeVaney, 1996 ; Chen, 1996 ; Lewis, 1996; Garman, 1997 (2); Godwin, 1999 (1); Lee, 1999 (1) ; Lee, 1999 (2); Williams, 1999 (2); Klingander,2000(2); Cavanagh, 2002(1); Cha, 2002(1); Lyons, 2003(2); Bernstein, 2004(1); Hibbert, 2004(2). (See also Financial Ratios.)
• Credit cards:  Lee, 1999 (2); Kim, 2001(1); Cavanagh, 2002(1); Xiao, 2004(2).
• Credit counseling: Bailey, 2003(1);  Kim, 2003(2).
  
• Deacon-Firebaugh Model: Hira, 1992 ; Lown, 1992 ; Fitzsimmons, 1994; Parotta, 1998 (2).
• Debt:  Spencer, 2002(2); Bernstein, 2004(1).
• Debt repayment:  Godwin, 1999 (1).
• Decision-making:  Lee, 1999 (1);  Lee, 1999 (2); Stum, 2000(1); Kish, 2000(2).
• Defined Contribution Plans: Woerheide, 1994 ; Woerheide, 1995 ; Yuh, 1996.
• Debt level: Cavanagh, 2002(1).
  
• Debt payments: Williams, 1999 (2).
• Debt problems:  Klingander,2000(2)
• Decision-making:  Bernasek, 2002(2).
• Defined contribution accounts:  DeVaney/Zhang, 2001(1).
• Demographics: Grable, 1998 (1)
• Diffusion of innovations: Lee, 2000(1); Li, 2002(2).
  
• Disabled: Stum, 1993 ; Bauer, 1994.
• Discretionary savings: Cavanagh, 2002(1).
• Distance education:  DeVaney&Bechman, 2001(1)
• Diversification: Hooks, 1998 (2); Kish, 2000(2); Shelor, 2003(1); Bhargava, 2004(2).
• Divorce: Seiling, 1990 ; Montalto, 1994.
• Double hurdle model: Cha, 2002(1).
• E-commerce: Li, 2002(2).
• Economic adjustment strategies: Danes, 1995; Lown, 2000(1).
• Economic insights: Morgan, 1995.
• Economic model: Weagley, 1991 ; Fan, 1992 ; Bae, 1993 ; Chang, 1994 ; Chang, 1997(1) ; Montalto, 1994.Fan, 1992 ; Bae, 1993 ; Chang, 1994 ; Hanna, 1995 ; Lee, 1995; Ewing, 1998 (1); Hanna, 2001(2).
• Economic socialization: Alhabeeb, 1999 (2).
• Economic stress: Danes, 1995; Lown, 2000(1); Hibbert, 2004(2).
• Economic well-being: Porter, 1993; Ewing, 1998 (1).
• Education curriculum and certification requirements: Langrehr, 1991 ; Mason, 1993.
• Education, effect on participation in flexible spending account: Hampton, 1993.
• Education needs of financial planning students: Pope, 1991.
• Elderly: Hogarth, 1991 ; Stum, 1993 ; Bauer, 1994; Williams & Kao, 1997(2); Stum, 2000(1); Lown, 2004(2).
  
• Electronic banking: Lee, 2000(1); Hogarth, 2004(2).
• Emergency funds: Chang, 1995 ; Vora, 1996 ; Huston, 1997(1) ; Chang, 1997(1); Hatcher, 2000(2); Worthington, 2004(1).
  
• Employee assistance: Garman, 1996 ; Williams, 1996; Garman, 1997 (2).
• Employer benefits: Koonce, 2001(1).
• Estate planning: Edwards, 1991; Lee, 2003(2).
  
• Ethics:  Bearden, 2001(1).
• Expense ratios: Martin, 2001(2).
  
• Expert systems: Phillips, 1992.
• Family budgets: Davis, 1990 ; Jayathirtha, 1996.
• Family business finances:  Danes, 2000(2); Zuiker, 2002(2).
  
• Family economics: Hayhoe, 1998 (1); Rupured, 2000(2).
• Family finance: Churaman, 1992 ; Todd, 1997(1); Muske, 1999 (1); Rupured, 2000(2); Powell, 2001(1); Hibbert, 2004(2); Muske, 2004(2).
  
• Family financial manager: Hayhoe, 1995.
• Family life cycle: Davis, 1992 ; Fitzsimmons, 1994 ; Xiao, 1996 ; Huston, 1997(1); Hatcher, 1998 (2); Dilworth, 2000(2).
• Family-owned business:  Zuiker, 2002(2); Lee, 2003(2).
• Family relations: Lawrence, 1993; Kerkmann, 2000(2).
• Family resource management: Israelsen, 1990; Muske, 1999 (1) ; Muske, 2004(2). (See also Management.)
• Farm operators: Scannell, 1990 ; Bailey, 1994 ; Danes, 1995.
• Feminist, theory: Hayhoe, 1998 (1)
• Finance: Israelsen, 1990.
• Financial arguments: Lawrence, 1993.
• Financial assets: Xiao, 1995 ; Hanna, 1996 ; Xiao, 1996; Gutter, 2000(2).
• Financial counseling: Lown, 1990 ; Langrehr, 1991 ; Lytton, 1991 ; Mason, 1993 ; Danes,1995 ; Garman, 1996 ; Williams, 1996 ; McGregor, 1997(1); Kerkmann, 1998 (1);  Grable, 1999 (1); Kuhlemeyer, 1999 (2); Lown, 2000(1); Klingander,2000(2); Grable, 2001(1); Kim, 2003(2); Oleson, 2004(2).
• Financial curriculum: Danes, 1999 (1).
• Financial decision making styles: Prochaska-Cue, 1993 ; Rettig, 1991; McKenna, 2003(1).
• Financial decisions:  Danes, 2000(2); McKenna, 2003(1); Loibl, 2003(2); Lown, 2004(2).
• Financial education: DeVaney, 1996; Garman, 1999 (1); Crites, 2001(2); Rhine, 2002(2); Bowen, 2002(2); McKenna, 2003(1); Kim, 2003(1);  Bailey, 2003(1); Lyons, 2003(2); Shockey, 2004(1).
• Financial emergencies: Hira, 1992.
• Financial goals: O'Neill, 2000(1); Dilworth, 2000(2); Danes, 2000(2).
• Financial literacy: Danes, 1999 (1); Volpe, 2002(1).
  
• Financial management: Edwards, 1991 ; Fitzsimmons, 1994 ; Hogarth, 1991 ; Scannell, 1990; Parotta, 1998 (2); Kerkmann, 2000(2); Klingander,2000(2); Crites, 2001(2); McKenna, 2003(1);Varcoe, 2003(1); Xiao, 2004(2); Hogarth, 2004(2); Muske, 2004(2).
• Financial obstacles: O'Neill, 2000(1)
• Financial planners: Bae, 1997 (2); Christiansen, 1998 (2); Bearden, 2001(1); Grable, 2001(1).
• Financial planning: Burns, 1990 ; Seiling, 1990 ; Lytton, 1991, Phillips, 1992 ; Chang, 1993 ; Fuller, 1997(1); Kennickell, 1997(1) ; Lee, 1997(1) ;Todd, 1997(1);  Bae, 1997 (2); Junk, 1997 (2); Williams, 1997(2); Brunson, 1998 (1); DeVaney, 1998 (1); Lown, 2000(1); Ewing, 2000(2); Bearden, 2001(1); Loibl, 2003(2); Oleson, 2004(2).
• Financial problems: Garman, 1996 ; Williams, 1996; Aldana, 1998 (2); Grable, 1999 (1); Kerkmann, 2000(2); Varcoe, 2003(1).
• Financial ratios: Prather, 1990 ; Scannell, 1990 ; Lytton, 1991 ; Lown, 1992 ; Bae, 1993 ; DeVaney, 1993 ; DeVaney, 1994 ; Chang, 1995 ; Godwin, 1996 ; Jayathirtha, 1996 ; Chang, 1997(1); Hatcher, 2000(2); Yao, 2003(2); Worthington, 2004(1).
• Financial resources: O'Neill, 2000(1)
• Financial situation: Hira, 1998 (2)
• Financial satisfaction: Lown, 1992 ; Porter, 1993 ; Godwin, 1994 ; Parotta, 1998 (2) ; Hira, 1998 (2) .
• Financial socialization: Danes, 1994; Crites, 2001(2); Bowen, 2002(2).
• Financial strategies: Lawrence, 1993.
• Financial stress:  Kim, 2003(1); Kim, 2003(2).
• Financial well-being: Porter, 1993 ; Hong, 1995; Junk, 1997 (2); Kim, 2003(2).
• Financial wellness:  Garman, 1999 (1).
• First-time homebuyers: Shelton, 1995.
• Flexible spending accounts: Hampton, 1993.
• Focus groups: ; Kennickell, 1997(1).
• Fringe benefits: Hampton, 1993.
• Future financial expectation: Fitzsimmons, 1993 ; Malroutu, 1995; Dilworth, 2000(2).
• Future value: Spitzer, 1999 (1).
• Fuzzy set theory:  Loibl, 2003(2).
• Gender:  Bernasek, 2002(2).
• Gender differences: Fitzsimmons 1993 ; Hayhoe, 1995 ; Bajtelsmit, 1996; Embrey, 1997 (2); Junk, 1997 (2); Grable, 1998 (1); Sung, 1998 (2) ; Leach, 1999 (2); Joo, 2002(2); Bernasek, 2002(2).
• Gini coefficients: Xiao, 1999 (2).
• Goals: Danes: Danes, 2000(2).
• Health care:Fuller, 1997(1).
• Heckman model: Kim, 2001(1).
• Help seeking: Grable, 1999 (1); Grable, 2001(1).
• Home buying: Shelton, 1995 ; Walden, 1992 ; Jayathirtha, 1996 ; Woerheide, 1996 ; Beutler, 1997(1) ; Hogarth, 2002(1);Shelton, 2002(2); Baeck, 2003(2).
  
• Home equity conversions: Williams & Kao, 1997(2)
• Homeowner education: Shelton, 2002(2).
• Home service Lewis, 1998 (1).
• Household budgets:  Klingander,2000(2)
• Household characteristics: Godwin, 1999 (1).
• Household portfolios: Weagley, 1991 ; Lee, 1995 ; Xiao, 1995 ; Zhong, 1995 ; Hanna, 1996; Embrey, 1997 (2); Wang, 1997 (2); Sprudzs, 1998 (1); Gutter, 2000(2); Kish, 2000(2);Washer, 2004(1).
• Household type: Huston, 1997(1).
• Housing affordability: Oh, 1995.
• Housing cost ratio: Oh, 1995; Devaney, 2004(1).
• Housing counselor: Shelton, 2002(2).
• HUD guidelines: Woerheide, 1996.
• Human capital: Lee, 1995; Gutter, 2000(2); Washer, 2004(1).
  
• Income adequacy: Malroutu, 1995 ; Li, 1996.
• Income inequality: Xiao, 1999 (2).
• Income tax: Phillips, 1992 ; Ayres, 1994 ; Woerheide, 1994 ; Vora, 1996.
• Income variability: Chang, 1993.
• Index funds, Ewing, 2000(2) ; Zivney, 2001(2) .
• Individual investors: Zhong, 1995 ; Xiao, 1995 Bajtelsmit, 1996 ; Hanna, 1996 ; Sung, 1996 ; Xiao, 1996 Hooks, 1998 (2); Kish, 2000(2); Zivney, 2001(2) ; Shelor, 2003(1); Bhargava, 2004(2).
• Individual Retirement Accounts: Vora, 1996; DeVaney/Zhang, 2001(1);  Cavanagh, 2002(1); Bernstein, 2004(1).
• Industrial Life Insurance Lewis, 1998 (1).
• Inference: Montalto, 1996.
• Inflation: Joyce, 2000(1)
• Information search:  Lee, 1999 (1);  Lee, 1999 (2).
• Initial public offering (IPO): Howton, 2002(1).
  
• Innovation:  Li, 2002(2).
• Insolvency: Chen, 1996 ; McGregor, 1997(1); Aldana, 1998 (2)
• Insurance:Fuller, 1997(1); Lewis, 1998 (1); Lown, 2004(2).
• Insurance coverage/ knowledge: Hira, 1992.
• Internet:  Volpe, 2002(1) ; Li, 2002(2).
• Investment: Israelsen, 1991 ; Weagley, 1991 ; Hanna, 1995 ; DeVaney, 1995 ; Lee, 1995 ; Bajtelsmit, 1996 ; Hanna, 1996 ; Vora, 1996; Embrey, 1997 (2); Hanna, 1997 (2); Wang, 1997 (2); Gutter, 2000(2); Ewing, 2000(2); Zivney, 2001(2) ; Howton, 2002(1); Zielonka, 2002(1);Li, 2002(2); Yao, 2003(2); Colemen, 2003(2); Shelor, 2003(1); Bhargava, 2004(2); Hanna, 2004(2).
  
• Investment and employee education: Garman, 1997 (2).
• Investment literacy:  Volpe, 2002(1).
• Keogh plans:  DeVaney/Zhang, 2001(1).
• Korea:  Lown, 2000(1).
• Labor force participation: Montalto, 1994 ; Hatcher, 1997(1); Bieker, 2001(2).
  
• Life cycle model: Davis, 1992; Hanna, 1995 ; Chen, 1996 ; Jayathirtha, 1996 ; Li, 1996 ; Hatcher, 1997(1); Sprudzs, 1998 (1).
• Life cycle: Hanna, 1995 ; Hatcher, 1997(1); Yuh, 1998 (1) ; Devaney, 2004(1).
• Life insurance: Kuhlemeyer, 1999 (2); Forster, 2000(1)
• Life satisfaction: Brunson, 1998 (1).
• Liquidity: Chang, 1995 ; Chang, 1997(1) ; Huston, 1997(1); Hatcher, 2000(2); Worthington, 2004(1).
• Loan consolidation: Williams, 1999 (2).
• Logit: Montalto, 1998 (1); Godwin, 1999 (1); Bieker, 2001(2); Rhine, 2002(2).
• Long-term care:Fuller, 1997(1) ; Stum, 2000(1); Lown, 2004(2).
• Low income: Shelton, 1995 ; Lewis, 1996; Hogarth, 2003(1).
• Lower-income consumers: Swagler, 1995; Lewis, 1998 (1); Bernstein, 2004(1).
• Management, family resource: Israelsen, 1990 ; Prochaska-Cue, 1993; Rettig, 1991; Parotta, 1998 (2).
• Marital satisfaction:  Kerkmann, 2000(2).
• Marketing relationships: Christiansen, 1998 (2)
• Midlife women: Thompson, 1998 (2)
• Military: Brunson, 1998 (1);Varcoe, 2003(1); Oleson, 2004(2).
• Missing data: Montalto, 1996
• MONEY 2000: O'Neill, 2000(1)
• Money attitudes: Hayhoe, 1995; Crites, 2001(2).
• Money management: Lawrence, 1993 ; Bauer, 1994; Garman, 1997 (2); Muske, 1999 (1); Muske, 2004(2).
• Mortgage loans: Walden, 1992 ; Woerheide, 1996; Lee, 1999 (1); Hogarth, 2001(1); Hogarth, 2002(1); Baeck, 2003(2); Aulerich, 2004(2).
• Motivation: Kerkmann, 1998 (1)
• Multiple imputation: Montalto, 1996
• Mutual fund selection: Israelsen, 1991; Hooks, 1998 (2); Martin, 2001(2); Bhargava, 2004(2); Asebedo, 2004(1).
  
• National Longitudinal Survey: Li, 1996 ; Zagorsky, 2000(1).
• Net worth: Prather, 1990 ; Chang, 1994 ; Fitzsimmons, 1994 ; Godwin, 1994 ; Chen, 1996 ; Zagorsky, 2000(1); Aulerich, 2004(2).
• Newlyweds: Godwin, 1992 ; Parotta, 1998 (2); Kerkmann, 2000(2).
• Older women: Hong, 1995.
• Online trading: Li, 2002(2).
• Ordered logistic regression: Devaney, 2004(1).
• Overspending: Bae, 1993 ; Jayathirtha, 1996. (See also Compulsive spending.)
• Parenting expectations:  Powell, 2001(1)
• Past performance data: Israelsen, 1991.
• Pawn shops: Swagler, 1995.
• Pensions: Woerheide, 1994 ; Woerheide, 1995 ; Bajtelsmit, 1996 ; Yuh, 1996; DeVaney, 1998 (1)..
• Perceived economic well-being: Hayhoe, 1998 (1) ; Leach, 1999 (2).
• Perceptions: Malroutu, 1995; Hayhoe, 1998 (1); Zagorsky, 2000(1); Fan, 2002(1).
• Period effect:  DeVaney/Zhang, 2001(1)
• Personal finance: Woerheide, 1995 ; Woerheide, 1996.
• Personal financial behavior: Garman, 1996 ; Williams, 1996; Aldana, 1998 (2);Grable, 1999 (1); Muske, 1999 (1); McKenna, 2003(1); Muske, 2004(2).
• Personal financial statement: Washer, 2004(1).
• Planning: (See Financial planning.)
• Policy replacement:  Forster, 2000(1)
• Portfolios: Hanna, 1997 (2); Hooks, 1998 (2); Kish, 2000(2); Zivney, 2001(2) ; Colemen, 2003(2); Bhargava, 2004(2); Washer, 2004(1).
• Positional goods: Fan, 2002(1).
• Poverty: Stum, 1993;  Koonce, 2001(1); Bieker, 2001(2).
• Present value: Newmark, 1995.
• Probit: Montalto, 1998 (1).
• Program evaluation:  Danes, 1999 (1)
• Productivity: Garman, 1996 ; Williams, 1996; Garman, 1997 (2) ; Garman, 1999 (1).
• Qualitative studies: Muske, 1999 (1); Muske, 2004(2).
• Quality of life: Porter, 1993; Varcoe, 2003(1).
• Racial differences:  Colemen, 2003(2); Yao, 2005(1).
  
• Rates of return: Joyce, 2000(1)
• Rational choices: Morgan, 1995 ; Woerheide, 1996 .
• Ratios: (See Financial ratios.)
• Regression: Spitzer, 1999 (1).
• Reimbursement accounts: (See Fringe benefits.)
• Rent burden: Oh, 1995.
• Rent to own: Swagler, 1995.
• Repeated-imputation inference (RII): Montalto, 1996; Montalto, 1998 (1).
• Replacement rates:  Williams, 1997(2).
• Resource intermingling:  Zuiker, 2002(2).
• Retail banking: Lee, 2000(1)
• Retirees: Hira, 1998 (2)
• Retirement
• Age: Li, 1996 ; Hatcher, 1997(1);Yuh, 1998 (1); Bieker, 2001(2).
• Analysis of required saving rates for: Burns, 1990;Yuh, 1998 (1).
• Saving/dissaving patterns during: Hogarth, 1991; Williams & Kao, 1997(2).
• Effect of changing jobs on pension: Woerheide, 1994.
• Expenses:  Stum, 2000(1);  Lown, 2004(2).
• Information sources for farmers: Bailey, 1994.
• Income: Xiao, 1999 (2)
• Long-term care:  Lown, 2004(2).
• Planning: Hanna, 1995 ; Malroutu, 1995 ; DeVaney, 1995 ; Newmark 1995 ; Morgan, 1995 ; Woerheide, 1995 ;Thompson, 1998 (2). Li, 1996 ; Vora, 1996 ; Yuh, 1996 ; Junk, 1997 (2); Williams, 1997(2); Hatcher, 1998 (2); Sung, 1998 (2); Cooley, 1999 (1); Forster, 2000(1); DeVaney&Bechman, 2001(1); Joo, 2002(2).
• Savings: Xiao, 1997(2); Brunson, 1998 (1); DeVaney, 1998 (1); Cavanagh, 2002(1).
• Retirement wealth adequacy: Hatcher, 1997(1); Yuh, 1998 (1); Cooley, 1999(1); Yao, 2003(2).
• And college costs: Todd, 1997(1)
• And employees: Garman, 1997 (2); Garman, 1999 (1); Joo, 2002(2).
• Retirement programs: Thompson, 1998 (2); Garman, 1999 (1).
• Reverse mortgages: Williams & Kao, 1997(2).
• Revolving credit card user: Kim, 2001(1).
• Risk: Fan, 1992 ; Hira, 1992 ; Chang, 1993 ; Montalto, 1994 ; Lee, 1995; Williams, 1997(2); Hatcher, 2000(2); Ewing, 2000(2); Shelor, 2003(1). ; Bhargava, 2004(2).
• Risk aversion: Weagley, 1991 ; Fan, 1992; Bajtelsmit, 1996 ; Sung, 1996; Embrey, 1997 (2); Wang, 1997 (2); Hanna, 2001(2); Bernasek, 2002(2); Hanna, 2004(2).
• Risk tolerance: Chang, 1994 ; Hanna, 1995 ; Zhong, 1995 ; Xiao, 1995 Bajtelsmit, 1996 ; Sung, 1996; Embrey, 1997 (2); Hanna, 1997 (2); Wang, 1997 (2); Grable, 1998 (1); Sung, 1998 (2);Grable, 2001(2); Hanna, 2001(2); Bernasek, 2002(2); Colemen, 2003(2);  Hanna, 2004(2); Yao, 2005(1).
• Rule of 72: Spitzer, 1999 (1).
• Satisfaction: Scannell, 1990 ; Wilhelm, 1993.
• Saving: Burns, 1990 ; Hogarth, 1991 ; Bae, 1993 ; Chang, 1994 ; Fitzsimmons, 1994 ; Xiao, 1994 ; Hanna, 1995 ; DeVaney, 1995 ; Zhong, 1995 ; Xiao, 1995 ; Garman, 1996 ; Lewis, 1996 ; Xiao, 1996 ; Yuh, 1996 ; Kennickell, 1997(1) ; Lee, 1997(1) ; Todd, 1997(1); Garman, 1997 (2); Sprudzs, 1998 (1); Spitzer, 1999 (1);   Powell, 2001(1); Spencer, 2002(2); Hogarth, 2003(1).
• Saving motives: Xiao, 1997(2); DeVaney, 1998 (1); Spencer, 2002(2).
• Self-employed: DeVaney, 1998 (1)
• Simulation:  Loibl, 2003(2).
• Simultaneous debt and saving: Spencer, 2002(2).
• Single person households: Embrey, 1997(2); Ewing, 1998(1).
• Single women: Thompson, 1998 (2).
• Social display:  Fan, 2002(1).
• Social exchange theory: Christiansen, 1998 (2)
• Social Work: Rupured, 2000(2).
• Spending: (See Overspending; Compulsive buying behavior.)
• Stages of change: Kerkmann, 1998 (1)
• Stock exchanges:  Howton, 2002(1).
• Stocks: Zhong, 1995 ; Xiao, 1995 ; Lee, 1995; Sung, 1998 (2); Ewing, 2000(2); Zivney, 2001(2) ; Howton, 2002(1); Zielonka, 2002(1).
  
• Stress: Garman, 1996 ; Williams, 1996; Aldana, 1998 (2); Grable, 1999 (1); Williams, 1999 (2); Kim, 2003(2).
• Subprime lending:  Hogarth, 2002(1)
• Substance abuse: Garman, 1996 ; Williams, 1996.
• Succession:  Lee, 2003(2).
• Sunk costs:  Forster, 2000(1)
• Survey: Aldana, 1998 (2)
• Survey of Consumer Finances: Burns 1990 ; Prather, 1990 ; Chang, 1993 ; DeVaney, 1993 ; Chang, 1994 ; DeVaney, 1994 ; Xiao, 1994 ; Chang, 1995 ; DeVaney, 1995 ; Hong, 1995 ; Lee, 1995 ; Malroutu, 1995 ; Xiao, 1995 ; Zhong, 1995 ; Chen, 1996 ; Montalto, 1996 ; Sung, 1996 ; Xiao, 1996 ; Yuh, 1996 ; Chang, 1997(1) ; Hatcher, 1997(1) ; Huston, 1997(1) ; Kennickell, 1997(1) ; Lee, 1997(1); Embrey, 1997 (2); Williams & Kao, 1997(2); Wang, 1997(2); Xiao, 1997(2); Yuh, 1998 (1) ; Grable, 1998 (1); Sprudzs, 1998 (1); Montalto, 1998 (1); Hatcher, 1998 (2); Sung, 1998 (2);  Godwin, 1999 (1); Lee, 1999 (1);  Lee, 1999 (2); Xiao, 1999 (2); Lee, 2000(1); Gutter, 2000(2); DeVaney, 2001(1);  Hogarth, 2001(1); Kim, 2001(1); Bieker, 2001(2); Grable, 2001(2); Cavanagh, 2002(1); Spencer, 2002(2); Hogarth, 2003(1); Yao, 2003(2); Colemen, 2003(2); Baeck, 2003(2); Bernstein, 2004(1); Devaney, 2004(1); Hogarth, 2004(2)
• Sweden: Klingander,2000(2)
• Tax preparation: Ayres, 1994.
• Teen finances: Alhabeeb, 1996; Danes, 1999 (1); Bowen, 2002(2).
• Time value of money: Joyce, 2000(1)
• Tobit: Montalto, 1998 (1).
• Transition to parenthood:  Powell, 2001(1).
• Transtheoretical model:  Shockey, 2004(1).
• Valuation: Sullivan, 1995.
• Validation (of Personal Financial Planning Expert Systems): Phillips, 1992.
• Validity: Grable, 2001(2) .
• Valuation: Sullivan, 1995.
• Wealth: Lee, 1995; Hatcher, 1998 (2); Gutter, 2000(2);Washer, 2004(1).
• Well-being: Stum, 1993.
• Working poor:  Koonce, 2001(1).
• Workplace: Garman, 1999 (1)

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