1. Department of Personal Financial Planning, College of Human Sciences, Texas Tech University, Lubbock, TX, USA
2. School of Family Studies and Human Services, Kansas State University, Manhattan, KS, USA
3. Educational Psychology in the Research, Evaluation, Measurement, and Statistics Concentration in Educational Psychology, Texas Tech University, Lubbock, TX, USA
4. Crowell School of Business, Biola University, La Mirada, CA, USA