... available in the data set.1. Financial behavior and product variables used toanalyze cash-flow management, credit management, saving, and investment practices Financial behavior or productPercentage ... to avoid bad cash-flow and credit -management practices because the cost ofthese can often be felt immediately. Changes in sav-ing and investment practices, on the other hand, havepayoffs that ... it.KNOWLEDGE AND BEHAVIOR:WHATIS THELINK? Financial knowledge can be statistically linked tofinancial practices related to cash-flow management, credit management, saving, and investment—thosewho...