Table 2.

SSIM- structural self-interaction matrix

Constructs	A	G	IL	E	MS	FK	ATM	HFB	FS	M	RO	FTO	SE	SC
A-Age	X	O	O	O	O	V	O	V	V	O	V	V	O	O
G-Gender		X	O	O	O	V	V	V	V	O	V	O	V	O
IL-Income level			X	A	O	V	V	V	X	V	V	V	O	O
E-Education				X	O	V	V	V	O	O	O	V	V	O
MS-Marital status					X	O	V	V	O	O	V	V	O	O
FK-Financial knowledge						X	X	V	A	X	V	O	V	V
ATM-Attitude towards money							X	V	A	A	A	A	V	V
HFB-Healthy financial behavior								X	A	A	A	A	A	A
FS-Financial socialization									X	O	V	V	V	O
M-Materialism										X	V	X	X	X
RO-Risk orientation											X	A	A	O
FTO-Future time orientation												X	X	O
SE-Self-efficacy													X	O
SC-Social/income comparisons														X