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Family & Consumer Sciences


John Wiley & Sons, Inc.

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Using data from the 2018 National Financial Capability Study, this paper examined the relationship between financial education participation and affective and cognitive financial knowledge. Involvement in financial education yielded statistically significant associations between affective and cognitive domains. The results showed that participation in financial education was associated with both cognitive and affective financial knowledge as well as long-term financial behaviors. The findings supported the case for life-long learning of financial education for young adults, Blacks and Hispanics, and women. One important implication was the need to include both the affective and cognitive domains when teaching or researching financial education.


"This is the peer reviewed version of the following article: Delgadillo, Lucy M., and Lee, Yoon. "Association Between Financial Education, Affective and Cognitive Financial Knowledge, and Financial Behaviors." Family & Consumer Sciences, 2021., which has been published in final form at This article may be used for non-commercial purposes in accordance with Wiley Terms and Conditions for Use of Self-Archived Versions."

Available for download on Wednesday, August 16, 2023