{"id":22295,"date":"2022-05-03T17:28:40","date_gmt":"2022-05-03T21:28:40","guid":{"rendered":"https:\/\/www.afcpe.org\/?page_id=22295"},"modified":"2022-11-09T21:18:48","modified_gmt":"2022-11-10T02:18:48","slug":"jfcp-research-snapshots","status":"publish","type":"page","link":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/","title":{"rendered":"JFCP Research Snapshots"},"content":{"rendered":"\t\t
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The papers below are brief snapshots of fascinating personal finance research.<\/h3>\n

Read the full studies to better understand the other literature in the field, the methodology, and the limitations.<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The Disappointment Dilemma<\/h1>

Volume 33, Issue 3
J.E. Grable & E.-J. Kwak<\/p>

No one loves being disappointed, but some are strongly averse to the feeling. Researchers were curious about these folks. Would their disappointment aversion lead them to make less risky financial choices? And if so, would their long-term disappointment (from potentially lower returns) outweigh their short-term disappointment (from potentially risky losses)? Researchers termed this tradeoff the disappointment dilemma, and it is a dilemma financial counselors, planners, and coaches can help their clients navigate, especially in uncertain economic times when disappointment lurks behind every financial headline<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Make the Invisible Underbanked Visible<\/h1>

Volume 33, Issue 2
Z. Chen & T. Friedline<\/p>

Having access to a financial institution \u2013 and using that financial institution \u2013 may be second nature to you, but for one out of every five American households it is not. Such access may instead be part of a complex web of financial services individuals tap in<\/span>to to survive. Chen and Friedline describe these individuals as \u201cunderbanked.\u201d In general, they have bank accounts (unlike the\u00a0<\/span>\u201cunbanked\u201d who lack a bank account entirely), but they also make use of \u201calternative financial services\u201d like payday loans or pawn\u00a0<\/span>shop services. And the number of underbanked individuals is worth repeating: They represent 20% of the U.S. population, more\u00a0<\/span>than five times the number of individuals who are unbanked.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Exploring Individual and Group Financial Coaching for Building Financial Capability<\/h1>

Volume 33, Issue 2
A.C. Silva, A.E. Seitchik & J.D. Parent<\/p>

If you\u2019ve ever thought about adding a group-based financial coaching program to your\u00a0practice, but wondered whether or not it would be effective, this study has the answer:\u00a0<\/span>Yes. The authors examined the impact of a novel financial coaching intervention \u2013 one\u00a0<\/span>that included individual support and group support. They found that both approaches\u00a0<\/span>were effective in increasing financial knowledge and financial confidence in the\u00a0<\/span>participants, while reducing financial stress. What\u2019s more? The results persisted, even\u00a0<\/span>six months after the program ended.<\/span><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The Value of Financial Education During Multiple Life Stages<\/h1>

Volume 33, Issue 1
P. Gibson, J.K. Sam & Y. Cheng<\/p>

Prior research has examined the impact financial education has on financial behaviors. Spoiler: It\u2019s usually good. Unfortunately, 45% of individuals received no financial education from any source. But Gibson, Sam, and Cheng wanted to better understand the timing of that financial education. Does it matter when the education was received (high school, college, in the workplace, or at home)? It turns out, it does. Gibson, Sam, and Cheng used data from the 2015 National Financial Capability Study to measure the impact of financial education received at different life stages.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Financial Knowledge Overconfidence and Emergency Fund Needs<\/span><\/h1>

Volume 33, Issue 1
S.T. Lee & S. Hanna<\/p>

Have you ever worked with a client whose belief in their own financial knowledge vastly exceeded their actual financial knowledge? Lee and Hanna would describe that client as having \u201cfinancial knowledge overconfidence,\u201d which measures the difference between subjective financial knowledge (what someone thinks they know) and objective financial knowledge (what they actually know, usually measured by a test or quiz).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Looking for more research to apply to practice?\u00a0<\/h3>

Check out our #ResearchWednesday blog posts or the Research Briefs published quarterly in AFCPE’s newsletter, The Standard!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\n\t\t\tResearch Briefs\t\t<\/a>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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The papers below are brief snapshots of fascinating personal finance research. Read the full studies to better understand the other literature in the field, the methodology, and the limitations. Access All Journal Articles The Disappointment Dilemma Volume 33, Issue 3J.E. Grable & E.-J. Kwak No one loves being disappointed, but some are strongly averse to the feeling. Researchers were curious […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":43,"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-22295","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nJFCP Research Snapshots - 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\/news-and-publications\/jfcp-research-snapshots\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"JFCP Research Snapshots - AFCPE\" \/>\n<meta property=\"og:description\" content=\"The papers below are brief snapshots of fascinating personal finance research. Read the full studies to better understand the other literature in the field, the methodology, and the limitations. Access All Journal Articles The Disappointment Dilemma Volume 33, Issue 3J.E. Grable & E.-J. Kwak No one loves being disappointed, but some are strongly averse to the feeling. Researchers were curious […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/\" \/>\n<meta property=\"og:site_name\" content=\"AFCPE\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-10T02:18:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil-233x300.png\" \/>\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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/\",\"url\":\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/\",\"name\":\"JFCP Research Snapshots - AFCPE\",\"isPartOf\":{\"@id\":\"https:\/\/www.afcpe.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil-233x300.png\",\"datePublished\":\"2022-05-03T21:28:40+00:00\",\"dateModified\":\"2022-11-10T02:18:48+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#primaryimage\",\"url\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil.png\",\"contentUrl\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil.png\",\"width\":464,\"height\":598,\"caption\":\"Screenshot of research snapshot for Disappointment Dilemma\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.afcpe.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"News and Publications\",\"item\":\"https:\/\/www.afcpe.org\/news-and-publications\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"JFCP Research Snapshots\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.afcpe.org\/#website\",\"url\":\"https:\/\/www.afcpe.org\/\",\"name\":\"AFCPE\",\"description\":\"Association for Financial Counseling & 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":"JFCP Research Snapshots - 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\/news-and-publications\/jfcp-research-snapshots\/","og_locale":"en_US","og_type":"article","og_title":"JFCP Research Snapshots - AFCPE","og_description":"The papers below are brief snapshots of fascinating personal finance research. Read the full studies to better understand the other literature in the field, the methodology, and the limitations. Access All Journal Articles The Disappointment Dilemma Volume 33, Issue 3J.E. Grable & E.-J. Kwak No one loves being disappointed, but some are strongly averse to the feeling. Researchers were curious […]","og_url":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/","og_site_name":"AFCPE","article_modified_time":"2022-11-10T02:18:48+00:00","og_image":[{"url":"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil-233x300.png","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/","url":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/","name":"JFCP Research Snapshots - AFCPE","isPartOf":{"@id":"https:\/\/www.afcpe.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#primaryimage"},"image":{"@id":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#primaryimage"},"thumbnailUrl":"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil-233x300.png","datePublished":"2022-05-03T21:28:40+00:00","dateModified":"2022-11-10T02:18:48+00:00","breadcrumb":{"@id":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#primaryimage","url":"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil.png","contentUrl":"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Vol-33-3DisDil.png","width":464,"height":598,"caption":"Screenshot of research snapshot for Disappointment Dilemma"},{"@type":"BreadcrumbList","@id":"https:\/\/www.afcpe.org\/news-and-publications\/jfcp-research-snapshots\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.afcpe.org\/"},{"@type":"ListItem","position":2,"name":"News and Publications","item":"https:\/\/www.afcpe.org\/news-and-publications\/"},{"@type":"ListItem","position":3,"name":"JFCP Research Snapshots"}]},{"@type":"WebSite","@id":"https:\/\/www.afcpe.org\/#website","url":"https:\/\/www.afcpe.org\/","name":"AFCPE","description":"Association for Financial Counseling & 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"}]}},"_links":{"self":[{"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/pages\/22295","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/comments?post=22295"}],"version-history":[{"count":0,"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/pages\/22295\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/pages\/43"}],"wp:attachment":[{"href":"https:\/\/www.afcpe.org\/wp-json\/wp\/v2\/media?parent=22295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}