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Articles 151 - 180 of 2635

Full-Text Articles in Psychology

Maladaptive Social Cognitions And Peer Victimization In Elementary-Aged Students, Katelyn Szarko Apr 2023

Maladaptive Social Cognitions And Peer Victimization In Elementary-Aged Students, Katelyn Szarko

Honors Theses

Among elementary-aged students, peer victimization is common and is associated with psychological maladjustment and poor academic achievement. Students with maladaptive social cognitions, like low social competence and low perceived control, are more likely to be victimized, but having a supportive teacher and/or a positive classroom climate might help to mitigate this association. This study aimed to answer the question of whether teacher support and classroom climate protect against peer victimization for students with maladaptive social cognitions. It was hypothesized that teacher support and classroom climate will separately moderate the link between social competence/perceived control and subsequent peer victimization such that …


Taking The Social Out Of Social Media: Social Media Induced Loneliness As A Mechanism For Elevated Depression During The Pandemic, Samara Rosen Apr 2023

Taking The Social Out Of Social Media: Social Media Induced Loneliness As A Mechanism For Elevated Depression During The Pandemic, Samara Rosen

Honors Theses

During the COVID-19 pandemic health protocols limited in-person interactions, interrupting the undergraduate experience and prompting students to find virtual ways to connect with their peers. A key goal of this study was to assess whether college students’ social media use was a viable replacement for in-person interactions during the pandemic, reducing risk for psychological difficulties that ordinarily accompany social isolation. The purpose of the present study was to evaluate loneliness as a potential mediator underlying the longitudinal relationship between social media use and depression. Self-report data were collected in November 2020 (T1), February 2021 (T2), and May 2021 (T3). The …


Justifying Antipathy?: Examining Racialized Perceptions Of Incarceration And Support For Mental Healthcare In Prisons, Jared Brassil Apr 2023

Justifying Antipathy?: Examining Racialized Perceptions Of Incarceration And Support For Mental Healthcare In Prisons, Jared Brassil

Honors Theses

The current U.S. criminal justice system has a disproportionate number of people suffering from mental illness. Additionally, many of these prisons not only lack the ability to properly treat these individuals, but in some cases may even worsen the problem. Public support, and importantly whom the public thinks the prototypical prisoner is, is important to know when advocating for reform. This research aims to investigate whether or not racialized perceptions of the U.S. criminal justice system impact support for mental healthcare reform in prisons. Given the exploratory nature of this work, potentially relevant individual difference variables are also investigated. An …


Unvaxxed And Unafraid: Unvaccinated Americans Perceive Less Disease Risk Than Do Vaccinated Americans, David J. Hauser, Brian P. Meier Apr 2023

Unvaxxed And Unafraid: Unvaccinated Americans Perceive Less Disease Risk Than Do Vaccinated Americans, David J. Hauser, Brian P. Meier

Psychology Faculty Publications

Is disease risk perception accurately calibrated among the unvaccinated? People shift their attitudes to rationalize their choices, so those who choose to be unvaccinated may be motivated to feel less at risk. In three studies (total N = 1446), we asked Americans how worried they were about catching/spreading influenza and COVID-19 and whether they were vaccinated against those diseases. Unvaccinated participants felt less at risk of catching/spreading the diseases they were unvaccinated against than vaccinated participants. For instance, unvaccinated participants felt ∼24% less at risk of catching/spreading COVID-19 and had ∼28% stronger intention to engage in activities that carried a …


Assessing The Dynamic Amongst Self-Compassion, Connection To Nature, And Well-Being, Yueyi Fan Apr 2023

Assessing The Dynamic Amongst Self-Compassion, Connection To Nature, And Well-Being, Yueyi Fan

Honors Theses

In 2015, the United Nations deemed promoting individual well-being of paramount importance, along with seventeen other sustainable development goals (to be achieved by 2030). Unfortunately, overall mental health has taken sharp declines with the unprecedented onset of the COVID-19 pandemic (OECD, 2021). According to a report from the Organization for Economic Cooperation and Development (OECD), the prevalence of anxiety and depression has increased globally; it has doubled or more than doubled as compared to previous years (OECD, 2021). The Centers for Disease Control and Prevention (CDC) has reported increasing levels of adverse mental health conditions, substance use, and suicidal …


Keep Your Litter In The Loop: Predicting Generation Z’S Intention To Recycle Single-Use Plastic Waste, Astrid Gisela Herabadi, Elsa S. Bella, Syanesti Adishesa, Wahyu C. Nugroho Apr 2023

Keep Your Litter In The Loop: Predicting Generation Z’S Intention To Recycle Single-Use Plastic Waste, Astrid Gisela Herabadi, Elsa S. Bella, Syanesti Adishesa, Wahyu C. Nugroho

Psychological Research on Urban Society

The introduction of single-use plastic into modern daily life has created an alarming number of plastic-waste in Indonesia. Government policies and social movements efforts to reduce and manage single-use plastic waste may not be enough. It is therefore important to study the factors related to the inclination of individual citizens to participate in the recycling effort, which is unfortunately still quite low. This study implements the Theory of Planned Behaviour to measure the predictiveness of the antecedent factors; attitude toward recycling single-use plastic, subjective norms, and perceived behavioural control; on the intention to recycle single-use plastic among Generation Z in …


Complexity Science: A Framework For Psychotherapy Integration, Günter Schiepek, David Pincus Apr 2023

Complexity Science: A Framework For Psychotherapy Integration, Günter Schiepek, David Pincus

Psychology Faculty Articles and Research

The paradigm of complexity science provides a new way to address the problem of psychotherapy integration and allows us to bypass the various shortcomings of the linear-interventionist perspective. Nine criteria are outlined, which should be satisfied by any integrative approach to psychotherapy: (a) the use of complexity science to provide a meta-theoretical and generic understanding of change processes (from neuronal to social system levels); (b) a comprehensive and formalised modelling of change processes and personality development; (c) an integrative method of case formulation; (d) the ability to understand a variety of techniques in terms of basic change principles; (e) criteria …


Relations Between Peer Influence, Perceived Cost Versus Benefits, And Sexual Offending Among Adolescents Aware Of Sex Offender Registration Risk, Cynthia J. Najdowski, Hayley M. D. Cleary, Paige M. Oja Apr 2023

Relations Between Peer Influence, Perceived Cost Versus Benefits, And Sexual Offending Among Adolescents Aware Of Sex Offender Registration Risk, Cynthia J. Najdowski, Hayley M. D. Cleary, Paige M. Oja

Psychology Faculty Scholarship

A policy's general deterrent effect requires would-be offenders to be aware of the policy, yet many adolescents do not know they could be registered as sex offenders, and even adolescents who do know may still commit registerable sexual offenses. We tested whether peer influences shape the perceived costs/benefits of certain sexual offenses and, subsequently, registration policy's general deterrent potential in a sample of policy-aware adolescents. The more adolescents believed their peers approve of sexting of nude images, the more likely they were to have sexted. For forcible touching, having more positive peer expectations about sex and perceiving forcible touching as …


Elementary School Parent Perceptions Of “Critical Race Theory” In The Curriculum, Helen Wallace Apr 2023

Elementary School Parent Perceptions Of “Critical Race Theory” In The Curriculum, Helen Wallace

Honors Theses

Critical Race Theory (CRT) implementations within educational settings is a controversial and polarizing concept in the American political climate. Many Americans are strongly opposed to the idea of CRT within the classroom due to a misguided belief that children have no idea what race or racism is until it is taught to them explicitly. On the other hand, proponents of CRT argue that teaching children to ignore race further perpetuates racial discrimination and prevents children from adequately understanding racial injustice. There is currently a lack of research investigating perceptions of CRT implementations in education among parents. This research aimed to …


Assessing The Relationships Between Self-Compassion, Perfectionistic Types, Resilience, And The “Big Five”, Clara A. Baker Apr 2023

Assessing The Relationships Between Self-Compassion, Perfectionistic Types, Resilience, And The “Big Five”, Clara A. Baker

Brescia Psychology Undergraduate Honours Theses

Self-compassion is a non-evaluative, protective, and positive attitude comprised of three components: (a) self-kindness, whereby in times of suffering or failure, one is understanding towards themselves, (b) common humanity, referring to the understanding that one’s experiences are part of a larger collective experience, and (c) mindfulness, where one remains conscious of painful thoughts without over-identifying with them (Neff, 2003a). Increasing self-compassion has been shown to improve mental health outcomes, and is related to the concepts of perfectionism, trait resilience, and the five-factor model of personality (Macbeth & Gumley, 2012). The current study assessed the relationships between adaptive, maladaptive, and non-perfectionism …


The Development And Psychometric Properties Testing Of Intolerance Of Uncertainty Scale For Indonesian Adults, Divani Aery Lovian, Dewi Maulina, Hilma Ramadina, Nathania Kusuma Apr 2023

The Development And Psychometric Properties Testing Of Intolerance Of Uncertainty Scale For Indonesian Adults, Divani Aery Lovian, Dewi Maulina, Hilma Ramadina, Nathania Kusuma

Psychological Research on Urban Society

Uncertain situations have further exacerbated great vulnerability to stressors and a high risk of mental health problems in urban populations. The adverse effects of uncertainty on well-being have been increasingly concerning and heightened the need to understand intolerance of uncertainty (IU) as a factor that influences responses to uncertainty. However, few scales have been developed to measure IU, especially in Indonesia. To address this concern, the current study aimed to develop a reliable and valid Intolerance of Uncertainty Scale for Indonesian Adults (IUS-A). The scale was developed and validated using data from 588 participants aged 20–65 years (M = …


Going To A Psychiatric Hospital Saved My Life And My Student Affairs Career, Jo Wilson Apr 2023

Going To A Psychiatric Hospital Saved My Life And My Student Affairs Career, Jo Wilson

The Vermont Connection

The ongoing mental health crisis for college students has been a notable topic in recent years and while a necessary conversation, this often overlooks an underlying mental health crisis for higher education staff and the connection between both crises. As a former mentally ill graduate student and now (still) mentally ill student affairs practitioner, the connection is clear and a conversation now is critical. Using my personal narrative as a current practitioner, self authorship, and disability theory intersections, I am using this piece as a counternarrative and interruption to traditional student and staff development. Lastly, I seek to encourage a …


Student Characteristics And The Workplace, Macy Barron, Torrie E. Cline Apr 2023

Student Characteristics And The Workplace, Macy Barron, Torrie E. Cline

Scholars Week

As the cost of higher education rises (Gardner, 2022) many are beginning to question just how much completing a college degree helps to prepare them for the workforce (Forbes, 2017, Gerth, 2017). The purpose of this investigation is to examine the perceptions of college students on their employability including the ways in which their own characteristics may relate to these perceptions. Data collection is currently underway. Students will report their perceived employability (EmployABILITY scale, Bennet & Ananthram, 2021; and Employability Scale, Rothwell et al., 2008), demographic characteristics (age, gender, major, year in college, etc.) temperament (Adult Temperament Questionnaire, Evans & …


Teaching, Tough Love, Or Mean?, Jake Darbhanga Apr 2023

Teaching, Tough Love, Or Mean?, Jake Darbhanga

be Still

Nobody is born with the knowledge they have today; everything is learned as one lives their life. Teaching can take many forms and come from all types of people. Parents are generally the first teachers a child encounters from the first day of their lives. There is no one correct way of parenting, but there is a common desire to provide the best possible upbringing for one's child.

As I live my life, I find myself expressing the lessons I have learned and utilizing the knowledge I acquired from the people who have taught me. My personality often reflects the …


The Relationships Among Narcissism, Self-Esteem, And Friendship Jealousy, Hannah Walling, Madison Lincoln, Abby Greskovic, Corinne Derosa, Sarah Bouthillier Apr 2023

The Relationships Among Narcissism, Self-Esteem, And Friendship Jealousy, Hannah Walling, Madison Lincoln, Abby Greskovic, Corinne Derosa, Sarah Bouthillier

Belmont University Research Symposium (BURS)

Jealousy, a common and often dreaded emotion, appears to be closely associated with an individual’s self-esteem. In fact, one study connected self-esteem to jealousy and found that adolescents with low self-worth reported the greatest friendship jealousy (Parker et al., 2015). Along with this relationship between self-esteem and jealousy, existing literature finds that self-esteem is closely associated with narcissism. One study found that low self-worth was correlated with high scores in vulnerable narcissism (Kaufman et al., 2020). However, grandiose narcissism was found to be related to high scores of self-esteem (Zeigler-Hill & Besser, 2011). Though previous studies have examined the correlations …


Relationship Between Quality Time, Conscientiousness, And Relationship Satisfaction, Lindsey Edwards, Gavin Mitchell, Talaia Goodman, Emily Cloud, Max Blessinger Apr 2023

Relationship Between Quality Time, Conscientiousness, And Relationship Satisfaction, Lindsey Edwards, Gavin Mitchell, Talaia Goodman, Emily Cloud, Max Blessinger

Belmont University Research Symposium (BURS)

Relationships are challenging, but can the key to relationship satisfaction boil down to understanding your partner's expression of love or simply spending more time together? Quality time, one of the five love languages, has been found to be the most common love language (Mostova et al., 2022). The love language of quality time has previously been associated with higher levels of conscientiousness, a big five personality trait positively correlated with feelings of love, intimacy, and passion (Surijah & Sari, 2018; Engel et al., 2002). The purpose of the present study is to investigate the relationship between levels of conscientiousness and …


Gender As An Environmental Stressor In Individuals Genetically Predisposed To Mood Disorders: A Preliminary Analysis, Kara West Apr 2023

Gender As An Environmental Stressor In Individuals Genetically Predisposed To Mood Disorders: A Preliminary Analysis, Kara West

Audre Lorde Writing Prize

Given the recent ‘epidemic’ of mental health disorders, we urgently need to better understand who is suffering and how. One aspect of this that research has come closer to identifying is where symptoms and diagnoses are missed in certain individuals, especially based on gender. However, if certain genders are actually more likely to deal with certain disorders we need to understand why and where that comes from. There is a general consensus in the medical field that some individuals are simply genetically predisposed to various disorders based on sex, but there is limited evidence that sex actually determines genetic predisposition. …


The Personality And Psychology Of Chen Zi-Ang, A Fiery, Noble Warrior And Martyr (陳子昂烈士之人格心理), Xiao-Yu Chen Apr 2023

The Personality And Psychology Of Chen Zi-Ang, A Fiery, Noble Warrior And Martyr (陳子昂烈士之人格心理), Xiao-Yu Chen

Student Publications

From the perspective of psychology, personality refers to the long-term, significant pattern in which a person perceives themselves while responding to others and the world. In the vast majority of situations, a person’s experiences at and before age twenty-five, in addition to their reactions to these situations, have a significant impact over their personality and psychology. In the vast majority of cases, the significant sources of these experiences are the substantial impacts of familial circumstances and early professional interactions, in addition to their broader social-historical worlds. Chen Zi-Ang the martyr was in the human realm for forty or forty-one years …


Heroes Or Villains: Modern Rappers And Their Effect On Young Adult Males, Jared J. Mccabe Apr 2023

Heroes Or Villains: Modern Rappers And Their Effect On Young Adult Males, Jared J. Mccabe

Senior Theses

This paper examines the role of modern-day rappers and how they affect the growing mental health crisis for young adult males. Recently, an “emo-rap” genre has emerged where vulnerability is common, and rappers share both their mental health struggles and experiences with drug use. The degree to which these artists have influenced their listeners is unclear, and perceptions of them are polarized. There are some who view them as villains who sponsor violence and drug use and others who view them as heroes who break down societal barriers and build supportive networks among their listeners.

Based on the existing scientific …


Disgust Sensitivity Relates To Attitudes Toward Gay Men And Lesbian Women Across 31 Nations, F. Van Leeuwen, Y. Inbar, M. B. Petersen, L. Aaroe, P. Barclay, F. K. Barlow, M. De Barra, D. V. Becker, L. Borovoi, J. Choi, N. S. Consedine, J. R. Conway, P. Conway, V. C. Adoric, Li, Norman P. Apr 2023

Disgust Sensitivity Relates To Attitudes Toward Gay Men And Lesbian Women Across 31 Nations, F. Van Leeuwen, Y. Inbar, M. B. Petersen, L. Aaroe, P. Barclay, F. K. Barlow, M. De Barra, D. V. Becker, L. Borovoi, J. Choi, N. S. Consedine, J. R. Conway, P. Conway, V. C. Adoric, Li, Norman P.

Research Collection School of Social Sciences

Previous work has reported a relation between pathogen-avoidance motivations and prejudice toward various social groups, including gay men and lesbian women. It is currently unknown whether this association is present across cultures, or specific to North America. Analyses of survey data from adult heterosexuals (N = 11,200) from 31 countries showed a small relation between pathogen disgust sensitivity (an individual-difference measure of pathogen-avoidance motivations) and measures of antigay attitudes. Analyses also showed that pathogen disgust sensitivity relates not only to antipathy toward gay men and lesbians, but also to negativity toward other groups, in particular those associated with violations of …


A Par Reflection: The Power Of Teacher Voice, Anna Marie Warren Apr 2023

A Par Reflection: The Power Of Teacher Voice, Anna Marie Warren

Electronic Theses and Dissertations

Teacher voice is missing in systemic change. This PAR study explored some of the barriers in education today that prevent teachers from using their voices and the leadership skills needed to empower teachers to use their voices in change processes. The study was implemented on two secondary school campuses with two teams of PAR researchers. Data were collected using a triangulation of PAR forms, journal reflections, and Likert surveys. While identifying barriers hindering teachers from using their voice, the qualitative study also aimed to provide a platform where teachers could express and use their voice to cause change in their …


Profiles Of Temperament And Perfectionism In High Ability College Students, Kathryn L. Fletcher, Kristie L. Speirs Neumeister, W. Holmes Finch, Tracy Cross Mar 2023

Profiles Of Temperament And Perfectionism In High Ability College Students, Kathryn L. Fletcher, Kristie L. Speirs Neumeister, W. Holmes Finch, Tracy Cross

SENG Journal: Exploring the Psychology of Giftedness

Different physical, mental, and motivational outcomes for perfectionistic strivings and perfectionistic concerns indicate that individuals have different experiences of perfectionism. Although research has focused on parenting practices as a factor related to these differences, little research has examined the impact of temperamental differences on perfectionism. In the current study, 434 high ability undergraduate students completed perfectionism, adult temperament, and personality measures. Latent class analysis that examined the patterns among the relationships between self-oriented perfectionism, socially prescribed perfectionism, and four dimensions of adult temperament (negative affect, effortful control, extraversion, orienting sensitivity) revealed three distinct subgroups. Although the largest subgroup demonstrated patterns …


Gender Differences In Personality Dysfunction And Aggression In A Sample Of At-Risk Youth, Chloe O'Dell Mar 2023

Gender Differences In Personality Dysfunction And Aggression In A Sample Of At-Risk Youth, Chloe O'Dell

Master's Theses

Youth with antisocial and borderline traits in adolescence have been found more likely to commit violence and experience negative outcomes later in life. There is evidence for gender differences in the manifestations of dysfunctional personality features (antisocial and borderline traits) and functions of aggression, but little research has sought to assess unique gender differences that may help unravel the sequelae of personality dysfunction in youth. Accordingly, this exploratory study examines gender differences in associations between antisocial features, borderline features, and proactive and reactive functions of aggression in a sample of at-risk youth. Four hundred and sixty-four adolescents (Mage = …


Narcissism's Beguiling Social Facade, Hunter G. Tholkes Mar 2023

Narcissism's Beguiling Social Facade, Hunter G. Tholkes

SCSU Journal of Student Scholarship

Narcissistic behavior, characterized by a persistent need for attention, admiration, and a feeling of superiority, presents various social problems for an individual. Back et al. (2013) have given a dynamic processing model of the narcissist's social behavior that stems from their underlying need to maintain a grandiose, unrealistic self-image. This underlying intention manifests through maladaptive interpersonal interaction tendencies: manipulation, devaluation, and other Machiavellian behaviors to stabilize or enhance their perceived social relevance. Using the Narcissistic Admiration and Rivalry Concept (Back et al., 2013) and Platt's (1973) social trap theories, we can explain the lure for acting in this damaging self-serving …


Chatgpt As Metamorphosis Designer For The Future Of Artificial Intelligence (Ai): A Conceptual Investigation, Amarjit Kumar Singh (Library Assistant), Dr. Pankaj Mathur (Deputy Librarian) Mar 2023

Chatgpt As Metamorphosis Designer For The Future Of Artificial Intelligence (Ai): A Conceptual Investigation, Amarjit Kumar Singh (Library Assistant), Dr. Pankaj Mathur (Deputy Librarian)

Library Philosophy and Practice (e-journal)

Abstract

Purpose: The purpose of this research paper is to explore ChatGPT’s potential as an innovative designer tool for the future development of artificial intelligence. Specifically, this conceptual investigation aims to analyze ChatGPT’s capabilities as a tool for designing and developing near about human intelligent systems for futuristic used and developed in the field of Artificial Intelligence (AI). Also with the helps of this paper, researchers are analyzed the strengths and weaknesses of ChatGPT as a tool, and identify possible areas for improvement in its development and implementation. This investigation focused on the various features and functions of ChatGPT that …


Introvert Personality Labor: A Unique Theoretical Construct That Describes The Effects Of Introverts Existing In The Extrovert Idea, Kathleen S. Hendershott Mar 2023

Introvert Personality Labor: A Unique Theoretical Construct That Describes The Effects Of Introverts Existing In The Extrovert Idea, Kathleen S. Hendershott

Theses and Dissertations

The Extrovert Ideal led to a society that has a favorable bias toward extroverts. Classrooms, workplaces, and the general public have been designed with extroverts in mind. Introverts, who make up more than half the world’s population, are forced to act in extroverted ways due in part to the extrovert ideal. Previous studies indicate introvert performance declines when working with more extroverted preferences, like open offices that favor group work, but fail to discuss the acting introverts are forced to do in workplaces created for their extroverted counterparts. The purpose of this study is to present a unique theoretical construct, …


Confusion Of Tongues: Translation And Transfers Of Attachment In A Post-Monolingual Condition, Hiji Nam Feb 2023

Confusion Of Tongues: Translation And Transfers Of Attachment In A Post-Monolingual Condition, Hiji Nam

Dissertations, Theses, and Capstone Projects

“Confusion of Tongues” proposes an intersubjective, dialogic approach to translation, psycholinguistics, and patient and clinicians’ relationships to the “mother tongue” and secondary languages. By tuning in to linguistic and translational shifts, stutters, and gaps, the study presents a consideration of the challenges and rewards presented by what I call a “post-monolingual clinical condition.” An individual’s self-state in a specific language will be shadowed by the emotional history and associations one brings to that language, which will also ripple into the counter-transferential matrix—we might call this the “transference to language,” or attachment styles that manifest and repeat an individual’s forgotten libidinal …


How Can Conflicts Reduce Stress, Tsai Ming-Hong, Smu Office Of Research Jan 2023

How Can Conflicts Reduce Stress, Tsai Ming-Hong, Smu Office Of Research

Research@SMU Infographics

In a recent seminar organised by SMU's Behavioural Sciences Initiative (BSI), SMU Associate Professor of Psychology Tsai Ming-Hong explains how mild types of conflict can minimise stress and offers pointers on how to express conflict in more beneficial ways.


Enhancing The Quality Of Life For Senior Citizens: A Facilitator’S Guidebook For Mindful Music And Movement, Shannon Sexton Jan 2023

Enhancing The Quality Of Life For Senior Citizens: A Facilitator’S Guidebook For Mindful Music And Movement, Shannon Sexton

Mindfulness Studies Theses

Music appreciation and enjoyment enhance well-being throughout the lifespan. The challenges and constraints that people experience as they age can lead to lack of access to music, decreased physical activity, and fewer avenues for creative expression. Group music and movement interventions created for older populations offer opportunities for social connection and improved quality of life. Mindful practices add further benefit when combined with these interventions. Current available programs are scarce and most often do not encompass mixed modalities. In addition, the benefits of these programs do not show long-term sustainability. The purpose of this thesis is to explore the effects …


Examining Financial Anxiety Focusing On Interactions Between Financial Knowledge And Financial Self-Efficacy, Jae Min Lee, Abed Rabbani, Wookjae Heo Jan 2023

Examining Financial Anxiety Focusing On Interactions Between Financial Knowledge And Financial Self-Efficacy, Jae Min Lee, Abed Rabbani, Wookjae Heo

Journal of Financial Therapy

This study examined whether the association between financial knowledge and financial anxiety depends on an individual’s financial self-efficacy by incorporating an interaction term between financial self-efficacy and financial knowledge. The self-efficacy component of the social cognitive theory of self-regulation has been tested using the 2018 National Financial Capability Study dataset. Households with higher financial knowledge and financial self-efficacy had lower levels of financial anxiety. After adding interaction terms of financial knowledge and financial self-efficacy in the model, the relationship between financial knowledge and financial anxiety depended on the levels of financial self-efficacy. Among those with anything less than high financial …