This paper investigates how financial autonomy develops in young adults and under what circumstances that development process is hastened or hindered. The paper uses longitudinal data from the Household, Income, and Labour Dynamics in Australia (HILDA) survey for persons aged 15-25, thus...

The German secondary school stream-system has three levels: minimum (Hauptschule), general (Realschule), and university-entry (Gymnasium). Using the German Socio-Economic Panel (GSOEP), we examine determinants of school attainment of German and foreign pupils in West Germany 1984-1993 using an...

This study develops multi-item scales of the financial wellbeing of customers of a major Australian bank using self-reported survey data that are matched with the customers’ financial records. Using Item Response Theory (IRT) models, the study develops: - a Reported Financial Wellbeing Scale...