. & Resource Management Biennial, vol. 1 (1995), pp. 139–46; Jeanne M. Hogarthand Josephine A. Swanson, ‘‘Voices of Experience: Limited ResourceFamilies and Financial Management ’ (paper presented. Components of Financial Wellness.’’33. National Endowment for Financial Education, ‘ Financial Lit-eracy in America: Individual Choices, National Consequences’’(2002) (www.nefe.org/pages/whitepaper2002symposium.html).The. 2001).Household Financial Management: The Connection between Knowledge and Behavior 321product and financial behavior variables used to con-struct the four indexes. The cash-flow management, credit management, ...