... As a result, self-efficacy is commonly paired with personality traits to predict academic achievement (Caprara, Vecchione, Alessandri, Gerbino, and Barbaranelli, 2011), health-behavior changes (Strecher, DeVellis, Becker, and Rosenstock, 1986), and academic-goal progress (Lent et al., 2005). Personality traits in addition to the big-five, such as Rotter's (1966) locus of control (Schunk, 1990), perfectionism (Powers, Koestner, and Topciu, 2005), and personality strengths, 24 distinct strengths that range from creativity to leadership to humor (Linley, Nielsen, Gillett, and Biswas-Diener, 2010), have also been used to predict behavior changes. Of these studies, only a very limited number have examined the impact of these traits on financial behaviors; of which, the majority focus on locus of control (Joo, Grable, and Bagwell, 2003) or self efficacy (Hilgert, Hogarth, and Beverly, 2003;Perry and Morris, 2005). ...