Written By: Steven G. Aldana and Wendy Liljenquist

The purpose of this study was to develop a reliable and valid measure of financial strain which could be used to identify individuals who may be suffering from financial strain and its detrimental health effects. A financial strain survey was developed from the literature and expertise of finance professionals and dispersed to counseling and control groups. Statistical analysis showed the survey to be a reliable and valid measurement of financial strain. Key Words: Stress, Insolvency, Personal financial behavior, Financial problems, Survey

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