slightly significantp < 0.001
The analysis revealed that it was slightly significant with effective economic decision-making 0.096 ( p < 0.001), self-control 0.053 ( p < 0.001), conscientiousness 0.054 ( p < 0.001), selflessness and giving attitude 0.068 ( p < 0.001), neuroticism −0.062 ( p > 0.05), and attitude to money 0.104 ( p < 0.001).