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|Heckman SJ, Hanna SD. (2015) Individual and institutional factors related to low-income household saving behavior Journal of Financial Counseling and Planning. 26: 187-199|
|Lim H, Heckman SJ, Letkiewicz JC, et al. (2014) Financial stress, self-efficacy, and financial help-seeking behavior of college students Journal of Financial Counseling and Planning. 25: 148-160|