Financial help-seeking behavior: Theory and implications

John E. Grable, So hyun Joo

Research output: Contribution to journalArticlepeer-review

61 Scopus citations


This paper presents a framework for explaining personal finance help-seeking behavior. The decision to seek help was tested using a randomly selected sample of clerical workers. Results from a discriminant analysis confirmed that the framework offers a practical insight into personal finance help-seeking behavior. Younger persons who did not own their own home and those who experienced more financial stressors and exhibited more poor financial behaviors tended to be more likely to seek help. Findings from this research support general conclusions presented throughout the help-seeking literature.

Original languageEnglish
Pages (from-to)14-25
Number of pages12
JournalJournal of Financial Counseling and Planning
Issue number1
StatePublished - 1999


  • Attitudes
  • Financial counseling
  • Financial problems
  • Help-seeking
  • Personal financial behavior
  • Stress


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