TABLE 4.

Definitions of variables.

Sr. #	Variable name	Variable definition
1.	Money attitudes	People’s attitudes which portray behavior in money matters. People build up an attitude toward money on the premise of circumstances and experiences that one encounters over a lifetime.
2.	Money avoidance	Believing that money is bad, that wealthy individuals are greedy, and that they don’t deserve money. Individuals may avoid spending money on even sensible or essential purchases.
3.	Money worship	Individuals with this characteristic are convinced that more cash will solve the majority of their issues, that there will never be a sufficient amount, and that cash brings power and happiness.
4.	Money status	People who trust that money is status see a clear distinction between socio-economic classes. Status lovers believe that owning the best and most current things gives status.
5.	Money vigilance	For some individuals, money is a profound source of shame and mystery, whether one has a lot or a little. The money vigilance element appears to be connected to alertness, readiness, watchfulness, and worry about money, and the feeling that one must be aware of pending inconvenience or threat.
6.	Financial self-efficacy	Financial self-efficacy is characterized as a man’s perceived ability to control his/her finance.
7.	Financial knowledge	Financial knowledge is understanding critical financial terms and ideas needed to function day by day in society.
8.	Risk attitudes	Risk attitudes are an individual’s attitudes toward risk-taking and consist of two types, i.e., risk aversion and risk-seeker. Risk aversion is the behavior of humans who, when exposed to uncertainty, attempt to lower that uncertainty. A risk-seeker or risk-lover is a person who prefers risk.