As China's population ages and the sustainability of the public pension system is at risk, personal savings become crucial. As such, the quality of financial planning for retirement (FPR) has been recognized as a key to safeguarding financial well-being during retirement. This study examines the...

We study the spillover effects of cognitive decline in one member of a coupled household on the financial outcomes of their partner and assess how "own" and spillover effects are moderated by the structure of household financial decision-making. We use a large, nationally representative...

Economic and financial socialisation is essential for building a person's confidence in managing finances independently and fostering financial self-sufficiency. The growing complexity of the financial environment, marked by market globalisation, digital transformation and accessibility of...

Do financial advisors recommend cryptocurrency investment within a household portfolio? Cryptocurrencies have emerged in popularity as households seek to maximize returns. Financial advisors are expected to provide beneficial advice for a household in managing financial decisions including...

A large share of the global workforce lacks access to employer-sponsored retirement plans. In Colombia, where labor informality is high, the government introduced the Beneficios Económicos Periódicos (BEPS) program to promote voluntary retirement savings. However, many enrollees fail to...

The current research was taken up to identify and assess the key enablers of household financial resilience in Southwest Asian nations. The research technique used was Interpretive Structural Modeling. We identified twelve enablers which impact household financial resilience which we then used...

Amidst the global ascent of financial technologies (FinTech), Argentina presents a critical case for examining how these platforms shape debt relations among marginalized households. Employing a mixed-methods approach, this article draws on quantitative data from the Central Bank of the Republic...

Background and purpose of the article: The main aim of the article is to present financial literacy (FL) and consumer over-indebtedness (OI) according to the primary survey in Poland. The auxiliary aim is to analyse the importance of financial literacy in reducing consumer over-indebtedness from...

Empirical research confirms that the financial behaviour of consumers differs from generation to generation - in terms of saving, spending money and also the use of credit. The main objective of this article is to determine the level of financial wellbeing and the relation between psychological...

The emergence of fintech has rapidly transformed the way people manage their finances, yet its impact on personal financial outcomes remains relatively understudied. This study aims to examine how fintech usage (FTU) influences the relationship between financial literacy (FL) and financial...

A large share of the global workforce lacks access to employer-sponsored retirement plans. In Colombia, where labor informality is high, the government introduced the Beneficios Economicos Periodicos (BEPS) program to promote voluntary retirement savings. However, many enrollees fail to...

This report uses the Time Value of Money (TVM) framework to evaluate and compare consumer loan offers from three Lithuanian credit providers: Inbank, Artea, and Saldo Bank. Focusing on a loan amount of €5000, the study examines repayment terms of 12, 24, and 36 months, each with different...

The Personal Financial Planning Capstone course can be a complex and daunting learning experience for both students and instructors. Resources exist to guide instructors through the content of Capstone (the what); however, more consideration needs to be given to the how of Capstone course...

We describe and provide several illustrations of experiential learning activities used in an introductory financial planning class as part of a CFP Board Registered Program. Examples include Awareness and Interview Exercises where students are afforded the opportunity to learn and receive course...

This paper outlines a new approach to teaching a financial planning/financial literacy course. It begins with personality assessments and other tools to help students build a solid foundation upon which they can create goals and develop a financial plan. In contrast, most financial planning...

Research documents the positive effects of state-required financial education in high school on downstream financial outcomes but pools different types of mandates. Do state policies embedding personal finance content into another course have the same effect as those that require a standalone...

In this study, the level of financial literacy among SMEs was examined through bibliometric and content analyses. Thoroughly analyzing and quantifying the literature on financial literacy and SMEs are the goal of bibliometric research. This comprehensive overview aims to pinpoint trends,...

A large share of the global workforce lacks access to employer-sponsored retire- ment plans. In Colombia, where labor informality is high, the government introduced the Beneficios Económicos Periódicos (BEPS) program to promote voluntary retirement savings. However, many enrollees fail to...