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1 1. B. Klontz, S. L. Britt, K. L. Archuleta, and T. Klontz, “Disordered Money Behaviors: Development of the Klontz Money Behavior Inventory, Journal of Financial Therapy 3, no. 1 (2012): 2.

2 2. Jamie Lenz, “Millennials Are Buying Homes Far Less Often Than Older Generations Did, and That Puts a Large Sector of the U.S. Economy at Risk,” BusinessInsider.com, The Conversation, May 21, 2019, https://www.businessinsider.com/millennials-are-buying-homes-far-less-often-putting-economy-at-risk-2019-5.