{"id":1890,"date":"2018-08-28T18:26:32","date_gmt":"2018-08-28T18:26:32","guid":{"rendered":"https:\/\/www.afcpe.org\/?page_id=1890"},"modified":"2024-10-10T10:00:44","modified_gmt":"2024-10-10T14:00:44","slug":"student-paper","status":"publish","type":"page","link":"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/","title":{"rendered":"Symposium Student Paper"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1890\" class=\"elementor elementor-1890\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-d725226 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"46471\" data-id=\"d725226\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-21b2a35\" data-eae-slider=\"55856\" data-id=\"21b2a35\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-38937d07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"39000\" data-id=\"38937d07\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-586d8c9f\" data-eae-slider=\"61514\" data-id=\"586d8c9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5198358d elementor-widget elementor-widget-text-editor\" data-id=\"5198358d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"color: #5d89b3;\">Congratulations to winners of the Outstanding Symposium Student Paper Award!<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a02e549 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3a02e549\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-71de43d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"58553\" data-id=\"71de43d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-30ed52c\" data-eae-slider=\"96149\" data-id=\"30ed52c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84094e5 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"84094e5\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"84094e5\" data-elementor-lightbox-title=\"Dinh_Van_22731_100424011832\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc0ODYsInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDI0XC8xMFwvRGluaF9WYW5fMjI3MzFfMTAwNDI0MDExODMyLXNjYWxlZC5qcGVnIiwic2xpZGVzaG93IjoiODQwOTRlNSJ9\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-scaled.jpeg'><img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"2560\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-scaled.jpeg\" class=\"attachment-full size-full\" alt=\"This is the headshot of an award winner smiling with dark glasses, a black blazer and white button down shirt in front of a grey background.\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-scaled.jpeg 2560w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-300x300.jpeg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-1024x1024.jpeg 1024w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-150x150.jpeg 150w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-768x768.jpeg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-1536x1536.jpeg 1536w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-2048x2048.jpeg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7e0afa6\" data-eae-slider=\"86252\" data-id=\"7e0afa6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ebeb673 elementor-widget elementor-widget-text-editor\" data-id=\"ebeb673\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2024: Van Dinh<\/span><\/h3><p><strong>The 2024 winner is Van Dinh for \u201cCryptocurrency Investment Mechanism: Exploring the Role of Financial Education, Investment Knowledge, and Risk Tolerance.&#8221;<\/strong><\/p><p>This study using data from the National Financial Capability Study in 2018 and 2021 examined the impact of financial education on cryptocurrency investment decisions, focusing on the mediating roles of investment knowledge and risk tolerance. Results indicated that while objective financial knowledge often discouraged cryptocurrency investment due to perceived risks; subjective investment knowledge, enhanced by financial education, increased confidence and willingness to invest in cryptocurrency. Risk tolerance was found to partially mediate the relationship between investment knowledge and investment decisions, especially with investors having high subjective investment knowledge. These findings suggested that effective financial education should not only increase investment knowledge but also balance risk awareness with potential rewards. This research underscored the importance of designing financial literacy programs that prepare investors for the complexities of the cryptocurrency market, aiming to boost both practical financial skills and balanced investment behavior.<\/p><p><b>Van Dinh, Research Assistant, Texas Tech University<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ced2d97 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ced2d97\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-8fb34ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"68792\" data-id=\"8fb34ea\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e43feb9\" data-eae-slider=\"99028\" data-id=\"e43feb9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3f2335 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"c3f2335\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-2' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"c3f2335\" data-elementor-lightbox-title=\"Yu_Hanna_22504_092923040816\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc0MzMsInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDI0XC8xMFwvWXVfSGFubmFfMjI1MDRfMDkyOTIzMDQwODE2LmpwZyIsInNsaWRlc2hvdyI6ImMzZjIzMzUifQ%3D%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Yu_Hanna_22504_092923040816.jpg'><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Yu_Hanna_22504_092923040816.jpg\" class=\"attachment-full size-full\" alt=\"This is the headshot of award winner Hanna Yu. She is smiling demurely in front of a beige background.\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Yu_Hanna_22504_092923040816.jpg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Yu_Hanna_22504_092923040816-150x150.jpg 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-48ed0ed\" data-eae-slider=\"27204\" data-id=\"48ed0ed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25763b5 elementor-widget elementor-widget-text-editor\" data-id=\"25763b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2023: Hanna Yu<\/span><\/h3><p><strong>The 2023 winner is Hanna Yu for \u201cExamining Financial Anxiety Through Cognitive Appraisals and Coping During a Global Pandemic.\u201d<\/strong><\/p><p>The public&#8217;s perception of COVID-19 has significantly improved; however, there remains a high level of uncertainty in the financial market, including bank crises, increasing interest rates, and high inflation in 2023. This paper investigated possible associations between financial anxiety and cognitive processes, economic adjustment strategies (such as decreasing spending), and receiving a stimulus check during a global pandemic to understand financial anxiety in times of uncertainty.<\/p><p><b>Hanna Yu, University of Minnesota Twin Cities<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf2bf6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7bf2bf6\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-0b35156 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"88784\" data-id=\"0b35156\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2f0edf7\" data-eae-slider=\"23079\" data-id=\"2f0edf7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3cb758 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"e3cb758\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-3' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"e3cb758\" data-elementor-lightbox-title=\"Mary Gatti\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mjc5MTgsInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIyXC8xMlwvaGVhZHNob3Qtc2NhbGVkLmpwZyIsInNsaWRlc2hvdyI6ImUzY2I3NTgifQ%3D%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-scaled.jpg'><img decoding=\"async\" width=\"1829\" height=\"2560\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-scaled.jpg\" class=\"attachment-full size-full\" alt=\"Headshot of Mary Gatti\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-scaled.jpg 1829w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-214x300.jpg 214w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-731x1024.jpg 731w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-768x1075.jpg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-1097x1536.jpg 1097w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/12\/headshot-1463x2048.jpg 1463w\" sizes=\"(max-width: 1829px) 100vw, 1829px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-297a25c\" data-eae-slider=\"69534\" data-id=\"297a25c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a13970d elementor-widget elementor-widget-text-editor\" data-id=\"a13970d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2022: Dr. Mary Gatti<\/span><\/h3><p><strong>The 2022 winner is Dr. Mary Gatti for \u201cDefining and Measuring College Student Financial Literacy.\u201d<\/strong><\/p><p>There has been a lack of consensus among researchers and practitioners about how to define financial literacy, but there is agreement that financial education changes depending on the stage of life to which people belong. This study provides consensus on what topics are considered a part of financial literacy specifically for traditional aged undergraduate college students. This lack of definition has also made it hard to measure financial literacy of college students. This study addresses both of these concerns. Utilizing the Delphi method, experts generated a list of financial planning topics that should be included in financial literacy for all undergraduate students. Those results were then used to create an instrument that measures holistic financial literacy. The instrument was refined utilizing multiple psychometric methods. Through the refinement process, a final instrument was created with 4 subscales measuring: financial knowledge, financial planning attitude, financial management attitude, and financial behavior.<\/p><p><b>Dr. Mary Gatti, Oklahoma State University<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f07988 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2f07988\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-bea7cb9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"25471\" data-id=\"bea7cb9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-15c18a5\" data-eae-slider=\"33407\" data-id=\"15c18a5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f9a571 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"1f9a571\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-4' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"1f9a571\" data-elementor-lightbox-title=\"KathyV_headshot_thumbnail\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTg4MzksInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIxXC8xMVwvS2F0aHlWX2hlYWRzaG90X3RodW1ibmFpbC5qcGciLCJzbGlkZXNob3ciOiIxZjlhNTcxIn0%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/KathyV_headshot_thumbnail.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"344\" height=\"516\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/KathyV_headshot_thumbnail.jpg\" class=\"attachment-full size-full\" alt=\"\" aria-describedby=\"gallery-4-18839\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/KathyV_headshot_thumbnail.jpg 344w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/KathyV_headshot_thumbnail-200x300.jpg 200w\" sizes=\"(max-width: 344px) 100vw, 344px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-18839'>\n\t\t\t\t2021 Recipient | Katherine Vasquez, MS\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-f56400c\" data-eae-slider=\"89936\" data-id=\"f56400c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f225be6 elementor-widget elementor-widget-text-editor\" data-id=\"f225be6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2021: Katherine Vasquez, MS<\/span><\/h3><p>The purpose of this project is to assess how sources of financial literacy education influence FGCS financial literacy. FGCS students in this study were required to complete a financial literacy education workshop series as part of the university-based early success program. Other types of exposure to financial literacy education- such as family, friends, high school financial literacy courses, and college courses or degree programs, were explored as well. This project also investigated if the current pandemic and employment instability has impacted interest or appreciation for financial literacy education in first-generation college students.<\/p><p><strong>Katherine Vasquez, MS<\/strong> is a Doctoral Student at the University of Minnesota.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-177681e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"81955\" data-id=\"177681e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0da4622\" data-eae-slider=\"59798\" data-id=\"0da4622\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e5124a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e5124a\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-0a8fd8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"76115\" data-id=\"0a8fd8c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d6d01e2\" data-eae-slider=\"54094\" data-id=\"d6d01e2\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b32b54d gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"b32b54d\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-5' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"b32b54d\" data-elementor-lightbox-title=\"Lavigueur, Beatrix - Consumer_Finance_Scales_Published_in_the (Headshot)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI2MTEsInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIwXC8xMVwvTGF2aWd1ZXVyLUJlYXRyaXgtQ29uc3VtZXJfRmluYW5jZV9TY2FsZXNfUHVibGlzaGVkX2luX3RoZS1IZWFkc2hvdC0uanBnIiwic2xpZGVzaG93IjoiYjMyYjU0ZCJ9\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Lavigueur-Beatrix-Consumer_Finance_Scales_Published_in_the-Headshot-.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"1440\" height=\"1920\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Lavigueur-Beatrix-Consumer_Finance_Scales_Published_in_the-Headshot-.jpg\" class=\"attachment-full size-full\" alt=\"\" aria-describedby=\"gallery-5-12611\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Lavigueur-Beatrix-Consumer_Finance_Scales_Published_in_the-Headshot-.jpg 1440w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Lavigueur-Beatrix-Consumer_Finance_Scales_Published_in_the-Headshot--225x300.jpg 225w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Lavigueur-Beatrix-Consumer_Finance_Scales_Published_in_the-Headshot--768x1024.jpg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Lavigueur-Beatrix-Consumer_Finance_Scales_Published_in_the-Headshot--1152x1536.jpg 1152w\" sizes=\"(max-width: 1440px) 100vw, 1440px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-5-12611'>\n\t\t\t\t2020 Recipient | Beatrix Lavigueur\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-11c66ae\" data-eae-slider=\"85767\" data-id=\"11c66ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6154d76 elementor-widget elementor-widget-text-editor\" data-id=\"6154d76\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2020: Beatrix Lavigueur<\/span><\/h3><p>The purpose of this literature review is to document consumer finance scales published in the Journal of Financial Counseling and Planning. A total of 15 scales were analyzed in 13 papers collected from the AFCPE website. The features of each scale were examined and categorized based on target population, number of factors and items, reliability measures and validity measures. The scales were compared based on their similarities and differences. Implications for researchers and practitioners are provided.<\/p><p><strong>Beatrix Lavigueur<\/strong> is a Rhode Island native attending the University of Rhode Island. She is working towards graduating in May 2021 with her M.S. in Developmental Science. She currently is working as an editorial assistant under Dr. Jing Jian Xiao for the Journal of Financial Counseling and Planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-2ce46a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"23606\" data-id=\"2ce46a9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-657e652\" data-eae-slider=\"46512\" data-id=\"657e652\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3b8d45 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d3b8d45\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-b2bef84 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"99337\" data-id=\"b2bef84\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-efadffa\" data-eae-slider=\"56795\" data-id=\"efadffa\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c534ca gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"0c534ca\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-6' class='gallery galleryid-1890 gallery-columns-1 gallery-size-medium_large'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"0c534ca\" data-elementor-lightbox-title=\"2019 Recipient | Yiting Li\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTMyOTAsInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIxXC8wMVwvV2VjaGF0SU1HMTgtMDAyLmpwZWciLCJzbGlkZXNob3ciOiIwYzUzNGNhIn0%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002.jpeg'><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"1152\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002-768x1152.jpeg\" class=\"attachment-medium_large size-medium_large\" alt=\"Yiting Li\" aria-describedby=\"gallery-6-13290\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002-768x1152.jpeg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002-200x300.jpeg 200w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002-683x1024.jpeg 683w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002-1024x1536.jpeg 1024w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002-1366x2048.jpeg 1366w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/01\/WechatIMG18-002.jpeg 1547w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-6-13290'>\n\t\t\t\t2019 Recipient | Yiting Li\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1adc4ff\" data-eae-slider=\"16253\" data-id=\"1adc4ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a5922d6 elementor-widget elementor-widget-text-editor\" data-id=\"a5922d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2019: Yiting Li<\/span><\/h3><p>The efforts of this research, \u201cA Decade Review of Publications in Family Financial Socialization, Young Couples, &amp; Financial Behaviors: 2007-2017\u201d, will benefit financial professionals working with Asian populations, informing and better-equipping them to advance the services, education, and counseling that they provide. <\/p><p><strong>Yiting Li<\/strong> is a\u00a0PhD Candidate of the Department of Family Social Science at the University of Minnesota. Li&#8217;s research centers on the intersection between financial management and intimate relationship, especially how young couples manage their financial matters in Family Financial Socialization lens. She received her B.A. in Applied Psychology from Qingdao University and Psychology from University of Minnesota, MA in Family Social Science from University of Minnesota.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-14cd0dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"60458\" data-id=\"14cd0dc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a358faf\" data-eae-slider=\"9207\" data-id=\"a358faf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c0ced10 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c0ced10\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-0e11774 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"48230\" data-id=\"0e11774\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0ec9d0f\" data-eae-slider=\"9348\" data-id=\"0ec9d0f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71b802e gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"71b802e\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-7' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"71b802e\" data-elementor-lightbox-title=\"Photo: Robb McCormick Photography - https:\/\/www.robbmccormick.com\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NjE3NiwidXJsIjoiaHR0cHM6XC9cL3d3dy5hZmNwZS5vcmdcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMTlcLzA0XC9TdHVkZW50LVBhcGVyLVdpbm5lci5qcGciLCJzbGlkZXNob3ciOiI3MWI4MDJlIn0%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Student-Paper-Winner.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"588\" height=\"585\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Student-Paper-Winner.jpg\" class=\"attachment-full size-full\" alt=\"\" aria-describedby=\"gallery-7-6176\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Student-Paper-Winner.jpg 588w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Student-Paper-Winner-150x150.jpg 150w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Student-Paper-Winner-300x298.jpg 300w\" sizes=\"(max-width: 588px) 100vw, 588px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-7-6176'>\n\t\t\t\t2018 Recipient | Andrew Scott, Juan Gallardo, &#038; Christopher Moore\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-f6e6191\" data-eae-slider=\"53240\" data-id=\"f6e6191\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-81e7520 elementor-widget elementor-widget-text-editor\" data-id=\"81e7520\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2018: Andrew Scott, Juan Gallardo, &amp; Christopher Moore<\/span><\/h3><p>The purpose of this study was to test the effectiveness of peer-based financial counseling in changing subjective and objective financial knowledge. The authors examined mean differences in financial knowledge scores from a financial counseling intake survey to a two-month follow-up survey. Results suggest that financial counseling had positive effects on financial knowledge. Most notable, this study focused on the impact of financial counseling across various sub-groups. Before financial counseling there was great disparity in financial knowledge among sub-groups, and after financial counseling this disparity mostly disappeared. Financial counseling seems to create balance in financial knowledge among sub-groups, as significant differences in both subjective and objective knowledge among sub-groups largely vanish after counseling.<\/p><p><strong>Andrew Scott<\/strong> is a PhD Student at Kansas State University, studying at the Institute of Personal Financial Planning. Andrew Scott is also an Assistant Professor of Finance at Saint Mary&#8217;s University of Minnesota.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-f3a4886 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"92436\" data-id=\"f3a4886\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6650c4d\" data-eae-slider=\"31749\" data-id=\"6650c4d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cceab01 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cceab01\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-7c7a9cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"60737\" data-id=\"7c7a9cc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-9cf4aa6\" data-eae-slider=\"51368\" data-id=\"9cf4aa6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe5cf63 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"fe5cf63\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-8' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"fe5cf63\" data-elementor-lightbox-title=\"afcpe-Headshot-Placeholder\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTg5MiwidXJsIjoiaHR0cHM6XC9cL3d3dy5hZmNwZS5vcmdcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMThcLzA4XC9hZmNwZS1IZWFkc2hvdC1QbGFjZWhvbGRlci0xLmpwZyIsInNsaWRlc2hvdyI6ImZlNWNmNjMifQ%3D%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/afcpe-Headshot-Placeholder-1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/afcpe-Headshot-Placeholder-1.jpg\" class=\"attachment-full size-full\" alt=\"\" aria-describedby=\"gallery-8-1892\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/afcpe-Headshot-Placeholder-1.jpg 800w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/afcpe-Headshot-Placeholder-1-150x150.jpg 150w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/afcpe-Headshot-Placeholder-1-300x300.jpg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/afcpe-Headshot-Placeholder-1-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-8-1892'>\n\t\t\t\t2017 Recipient | Irene Mclvor Mason\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-8af55fd\" data-eae-slider=\"99868\" data-id=\"8af55fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-216bdca elementor-widget elementor-widget-text-editor\" data-id=\"216bdca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2017: Irene McIvor Mason<\/span><\/h3><p><span style=\"color: #333333;\"><strong>Irene McIvor Mason<\/strong><\/span> is a developmental science graduate student and part time human development and family studies faculty member at the University of Rhode Island. Her research paper was selected as the 2017 AFCPE<strong><sup>\u00ae<\/sup><\/strong> Outstanding Symposium Student Paper Award Winner!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-5902bbc3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"2985\" data-id=\"5902bbc3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56956aff\" data-eae-slider=\"9860\" data-id=\"56956aff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54d89157 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"54d89157\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-2dce7465 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"7928\" data-id=\"2dce7465\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-10fd2f13\" data-eae-slider=\"34781\" data-id=\"10fd2f13\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7eeb8955 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"7eeb8955\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-9' class='gallery galleryid-1890 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"7eeb8955\" data-elementor-lightbox-title=\"Judith\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTgzMywidXJsIjoiaHR0cHM6XC9cL3d3dy5hZmNwZS5vcmdcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMThcLzA4XC9KdWRpdGguanBnIiwic2xpZGVzaG93IjoiN2VlYjg5NTUifQ%3D%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/Judith.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/Judith.jpg\" class=\"attachment-full size-full\" alt=\"\" aria-describedby=\"gallery-9-1833\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/Judith.jpg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/Judith-150x150.jpg 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-9-1833'>\n\t\t\t\t2016 Recipient | Judith Aboagye, University of Georgia\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-5eeaccc0\" data-eae-slider=\"21735\" data-id=\"5eeaccc0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-120589e5 elementor-widget elementor-widget-text-editor\" data-id=\"120589e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2016: Judith Aboagye<\/span><\/h3><p><span style=\"color: #333333;\"><strong>Judith Aboagye<\/strong><\/span> is a graduate research assistant currently enrolled in the Financial Planning, Housing, and Consumer Economics doctoral program at the University of Georgia. Her study titled \u201c<em>An analysis of the indicators of financial satisfaction: Does behavioral and debt factors matter?<\/em>\u201d examines the indicators of financial satisfaction and shows that behavioral factors offer the strongest explanation of the total variance in financial satisfaction level. Apart from overspending which had a strong negative association with financial satisfaction, having a higher risk tolerance, no difficulty with monthly bill payments, and savings in an emergency fund and retirement plan were all positively associated with financial satisfaction. Mortgage debt was the only debt factor shown to have a significant association with financial satisfaction and the positive association is an important indication of the value and overall satisfaction attached to home ownership.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Congratulations to winners of the Outstanding Symposium Student Paper Award! 2024: Van Dinh The 2024 winner is Van Dinh for \u201cCryptocurrency Investment Mechanism: Exploring the Role of Financial Education, Investment Knowledge, and Risk Tolerance.&#8221; This study using data from the National Financial Capability Study in 2018 and 2021 examined the impact of financial education on cryptocurrency investment decisions, focusing on [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":1795,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_cbd_carousel_blocks":"[]","_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"class_list":["post-1890","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Symposium Student Paper - AFCPE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Symposium Student Paper - AFCPE\" \/>\n<meta property=\"og:description\" content=\"Congratulations to winners of the Outstanding Symposium Student Paper Award! 2024: Van Dinh The 2024 winner is Van Dinh for \u201cCryptocurrency Investment Mechanism: Exploring the Role of Financial Education, Investment Knowledge, and Risk Tolerance.&#8221; This study using data from the National Financial Capability Study in 2018 and 2021 examined the impact of financial education on cryptocurrency investment decisions, focusing on [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/\" \/>\n<meta property=\"og:site_name\" content=\"AFCPE\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-10T14:00:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-scaled.jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/\",\"url\":\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/\",\"name\":\"Symposium Student Paper - AFCPE\",\"isPartOf\":{\"@id\":\"https:\/\/www.afcpe.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-scaled.jpeg\",\"datePublished\":\"2018-08-28T18:26:32+00:00\",\"dateModified\":\"2024-10-10T14:00:44+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/#primaryimage\",\"url\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-scaled.jpeg\",\"contentUrl\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Dinh_Van_22731_100424011832-scaled.jpeg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.afcpe.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Membership\",\"item\":\"https:\/\/www.afcpe.org\/membership\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Awards\",\"item\":\"https:\/\/www.afcpe.org\/membership\/awards\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Symposium Student Paper\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.afcpe.org\/#website\",\"url\":\"https:\/\/www.afcpe.org\/\",\"name\":\"AFCPE\",\"description\":\"Association for Financial Counseling &amp; Planning Education\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.afcpe.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Symposium Student Paper - AFCPE","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.afcpe.org\/membership\/awards\/student-paper\/","og_locale":"en_US","og_type":"article","og_title":"Symposium Student Paper - AFCPE","og_description":"Congratulations to winners of the Outstanding Symposium Student Paper Award! 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