As advocates of financial literacy education, it is a hard pill to swallow when data show little impact on financial behaviours. Unfortunately, our expectations that university students with higher levels of financial literacy have reduced money management stress and good behaviours, leading to...

Self-employed tradespeople, like many business owners, face income uncertainty risk. In Australia, self-employed people are excluded from compulsory superannuation. We quantify financial decisions self-employed tradespeople make in retirement preparation, relative to employed tradespeople. We...