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201 Did Pre-Pandemic Financial Behaviors Matter to Financial Well-Being?
Key Words
financial wellness, financial behavior, financial knowledge, financial satisfaction, COVID-19 pandemic
Short Description
Research shows that positive financial behaviors improve the financial well-being of consumers. In this study, we explore how financial behaviors prior to the COVID-19 pandemic are associated with current financial well-being during the pandemic. An online survey of 145 individuals was conducted to gather the data. Our findings show that objective financial status and positive pre-pandemic financial behaviors increase financial well-being during the pandemic. Financial satisfaction mediates the relationship between subjective financial knowledge and financial well-being. Additionally, full-time employment is observed to negatively impact financial well-being. Implications for increasing consumer financial well-being are discussed.