Microsoft Word Ed Horwitz Post Dissertation Fina docx

 Summary of Results 
The purpose of this research was to test the three primary aspects of the framework for 
financial literacy: (a) the link between financial education and financial literacy, (b) the link 
between financial education and financial well-being, and (c) the link between financial literacy 
and financial behavior. The results found associations between all three links in the model, 
utilizing both primary research employing quasi-experimental methods and secondary research 
from a larger national data sample. Despite mixed results among historical literature, these 
essays collectively helped to establish the effectiveness of a worksite comprehensive education 
program on increasing financial literacy, provided mixed support for positive change in well-
being, and indicated strong support for financial knowledge and retirement preparedness best 
practice behaviors.