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![Cover for W. Fred Van Raaij · Understanding Consumer Financial Behavior: Money Management in an Age of Financial Illiteracy (Hardcover Book) [2016 edition] (2016)](https://imusic.b-cdn.net/images/item/original/247/9781137544247.jpg?w-fred-van-raaij-2016-understanding-consumer-financial-behavior-money-management-in-an-age-of-financial-illiteracy-hardcover-book&class=scaled&v=1634966956)