Table 2.

Factor loading and Cronbach’s alpha for the three latent constructs

Latent constructs and items	Factor loading	Cronbach’s alpha
Financial stress		0.886
Feeling anxious	0.944
Feeling stressed	0.878
Worrying about retirement	0.734
Perceived financial capability		0.643
Perceived knowledge	0.765
Perceived money skill	0.575
Perceived goal-reaching ability	0.511