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Data is collected by International Survey on Savings (ING) in October-December 2019 and dataset is available for 16 countries (newdata.csv): a. Newdata.csv (contains 15773 observations and 40 variables) from 16 countries; b. Sem_estimation.R (R script file containing codes for estimating the final SEM model using newdata.csv); c. Income_3_models.R (R script file containing codes for robustness test of the models in subsamples of income levels, only UK data).

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