<b><i>Future focus under friction: Survey data on time perspective and money-management stress in Armenia</i></b>
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We examine whether individual differences in time perspective–Future and Present-Fatalistic–explain financial functioning beyond income and demographics. In a preregistered cross-sectional survey, we modeled Financial Preparedness/Efficacy (FPE) and Current Money-Management Stress (CMMS) using hierarchical regressions (HC3 SEs, FDR control), bootstrapped mediation, and preregistered Future×PF moderation.
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Hayrapetyan, Davit创建时间：
2025-11-27
