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Our study assesses financial health using 8 indicators grouped into 4 key categories: Spend, Save, Borrow, and Plan. Through factor analysis, we identified that our 8 financial health indicators naturally group into 2 distinct categories, namely day-to-day and forward-looking indicators of financial health. By organising these indicators into these categories, our study offers a comprehensive assessment that aligns with a holistic view of financial health, addressing both immediate and future financial needs.
