Table 4.

Significance of paths (total and indirect effect) and relative importance of indirect path

Paths	b (S.E.)
Total effect
FE → FL + FA → FB → EH	− 0.058 (0.005)***
FS → FL + FA → FB → EH	− 0.091 (0.005)***
Indirect effect
FE → FL → FB → EH	− 0.023 (0.002)***
FE → FA → FB → EH	− 0.034 (0.004)***
FS → FL → FB → EH	− 0.020 (0.002)***
FS → FA → FB → EH	− 0.071 (0.005)***

Relative importance of indirect path	(%)
FE → FL + FA → FB → EH	100.0
FE → FL → FF → EH	39.6
FE → FA → FF → EH	60.4
FS → FL + FA → FB → EH	100.0
FS → FL → FB → EH	21.9
FS → FA → FB → EH	78.1

FE financial education, FS financial socialization, FL financial literacy, FA financial access, FB financial behavior, EH economic hardship

***p < .001