... 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, ... practices, measures of financial- management behaviors and financial product owner-ship were combined.5Practices were categorized ascash-flow management, credit management, saving,investment, ... used toanalyze cash-flow management, credit management, saving, and investment practices Financial behavior or productPercentage ofrespondentsreporting(n = 1,004)Cash-flow management Have checking...