Kyoung Tae Kim

University of Alabama

Associate Professor

316-C Adams Hall

Tuscaloosa, AL 35487-0001

United States

SCHOLARLY PAPERS

41

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7,405

SSRN CITATIONS
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SSRN RANKINGS

Top 14,047

in Total Papers Citations

52

CROSSREF CITATIONS

49

Scholarly Papers (41)

1.

Investment Literacy, Overconfidence and Cryptocurrency Investment

Forthcoming, Financial Services Review (accepted)
Number of pages: 20 Posted: 02 Nov 2021 Last Revised: 28 Mar 2022
Kyoung Tae Kim, Sherman D. Hanna and Sunwoo T. Lee
University of Alabama, Ohio State University (OSU) and York University
Downloads 1,225 (31,009)
Citation 6

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Investment literacy, financial knowledge, overconfidence, investment, cryptocurrency

2.

Behind the Numbers: Understanding the Survey of Consumer Finances

Journal of Financial Counseling and Planning, Forthcoming
Number of pages: 15 Posted: 27 Jun 2018
Sherman D. Hanna, Kyoung Tae Kim and Suzanne Lindamood
Ohio State University (OSU), University of Alabama and Independent
Downloads 843 (52,609)
Citation 3

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Complex Survey Design, Multiple Imputation, Replicate Weights, Statistical Analysis, Survey of Consumer Finances, Survey Research

3.

Do U.S. Households Perceive Their Retirement Preparedness Realistically?

Financial Services Review, 24, 139-155
Number of pages: 29 Posted: 18 Feb 2015 Last Revised: 26 Jun 2015
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 723 (64,591)

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Retirement assessment; Retirement adequacy; Cognitive ability; Survey of Consumer Finances (SCF); Financial education

4.

Financial Knowledge and Short-Term and Long-Term Financial Behaviors of Millennials in the United States

Journal of Family and Economics Issues, 40(2), 194-208
Number of pages: 34 Posted: 18 Sep 2017 Last Revised: 26 Oct 2020
Kyoung Tae Kim, Somer Anderson and Martin Seay
University of Alabama, Maryville University and Kansas State University
Downloads 411 (129,405)
Citation 4

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Financial literacy; financial knowledge; financial education; financial behaviors; Millennials

5.

Consideration of Retirement Income Stages in Planning for Retirement

Journal of Personal Finance, 13(1), 52-64, 2014
Number of pages: 13 Posted: 20 Mar 2014
Kyoung Tae Kim, Sherman D. Hanna and Samual Chen
University of Alabama, Ohio State University (OSU) and Sun Trust Banks
Downloads 386 (138,927)

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retirement adequacy, personal finance, labor force

6.

Does Financial Sophistication Matter in Retirement Preparedness?

Journal of Personal Finance, 14 (2), 9-20, 2015
Number of pages: 12 Posted: 30 Aug 2015 Last Revised: 08 Oct 2015
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 355 (152,491)

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Financial Sophistication, Retirement Adequacy, 2010 Survey of Consumer Finances (SCF)

7.

The Decrease in Life Insurance Ownership: Implications for Financial Planning

Kim, K.T, Mountain, T.P., Hanna, S.D., & Kim, N. (2019). The decrease in life insurance ownership: Implications for financial planning. Financial Services Review, Forthcoming
Number of pages: 32 Posted: 23 Jul 2019 Last Revised: 17 Oct 2019
University of Alabama, Agricultural and Applied EconomicsAgricultural and Applied Economics, Ohio State University (OSU) and Korea Rural Economic Institute
Downloads 295 (185,827)
Citation 1

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Life insurance, Declining insurance demand, Survey of Consumer Finances

8.

Exploring the Demand for Retirement Planning Advice: The Role of Financial Literacy

Financial Services Review, 25(4), 331-350
Number of pages: 35 Posted: 24 Oct 2017 Last Revised: 25 Oct 2017
Martin Seay, Kyoung Tae Kim and Stuart Heckman
Kansas State University, University of Alabama and Kansas State University
Downloads 290 (189,137)

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Retirement Planning, Financial Planner Use, Financial Advice

9.

Household Use of Financial Planners: Measurement Considerations for Researchers

Financial Services Review, Vol. 25, p. 427-446, 2016
Number of pages: 32 Posted: 13 May 2017
Kansas State University, Kansas State University, University of Alabama and York University
Downloads 228 (240,344)
Citation 1

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Financial Planner Use, Financial Advice, Measurement

Who Uses Mobile Payments: Fintech Potential in Users and Non-Users

Li, B., Hanna, S. D., & Kim, K.T. (2019). Who uses mobile payments: Fintech potential in users and non-users. Journal of Financial Counseling and Planning, Forthcoming
Number of pages: 36 Posted: 05 Dec 2019
Bin Li, Sherman D. Hanna and Kyoung Tae Kim
Miami University, Ohio State University (OSU) and University of Alabama
Downloads 118 (421,662)
Citation 5

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elderly, fintech, financial literacy, mobile payments, mobile technology, National Financial Capability Study

Who Uses Mobile Payments: Fintech Potential in Users and Non-Users

Li, B., Hanna, S. D., & Kim, K. T. (2020). Who uses mobile payments: Fintech potential in users and non-users. Financial Counseling and Planning, 31(1), 83-100. doi:10.1891/JFCP-18-00083
Number of pages: 19 Posted: 31 Jan 2022
Bin Li, Sherman D. Hanna and Kyoung Tae Kim
Miami University, Ohio State University (OSU) and University of Alabama
Downloads 40 (777,029)

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elderly, Fintech, financial literacy, mobile payments, mobile technology, National Financial Capability Study

11.

Treatment of Inflation in Retirement Planning Calculations: An Improved Method

Hanna, S. D., & Kim, K. T. (2017). Treatment of inflation in retirement planning calculations: An improved method. Journal of Financial Planning, 30 (1), 44-53..
Number of pages: 32 Posted: 26 Sep 2016 Last Revised: 03 Jan 2017
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama
Downloads 149 (350,536)

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retirement planning, inflation, investment returns

12.

The Effect of Investment Literacy on the Likelihood of Retail Investor Margin Trading and Having a Margin Call

Finance Research Letters, Forthcoming
Number of pages: 15 Posted: 18 May 2021
Hohyun Kim, Kyoung Tae Kim and Sherman D. Hanna
Department of Business Administration, University of Alabama and Ohio State University (OSU)
Downloads 144 (360,388)
Citation 3

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Margin trading, margin call, investment literacy, overconfidence, risk tolerance

13.

The Role of Self-Control on Retirement Preparedness of US Households

International Journal of Human Ecology, 17(2), 31-42
Number of pages: 27 Posted: 02 Aug 2017
Kyoung Tae Kim, Jae Min Lee, Eunice Hong and Eunice Hong
University of Alabama, Minnesota State University, Mankato and Ohio State University - Consumer Sciences DepartmentKorean Women’s Development Institute
Downloads 142 (364,376)

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self-control, retirement preparedness, retirement savings, retirement planning, survey of consumer finances

14.

The Impact of the Stock Market Crash of 2008-2009 on the Wealth of U.S. Households

Journal of Financial Planning, 29 (2), 52-58
Number of pages: 25 Posted: 12 Jan 2016 Last Revised: 09 Jul 2019
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 139 (370,564)

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Stock market crash, Total wealth, Wealth shock

15.

Does Financial Sophistication Matter in Retirement Preparedness of U.S. Households? Evidence from the 2010 Survey of Consumer Finances

Consumer Interests Annual, Volume 59, 2013
Number of pages: 4 Posted: 10 Jul 2013
Kyoung Tae Kim and Sherman D. Hanna
University of Alabama and Ohio State University (OSU)
Downloads 135 (378,923)

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Financial Sophistication, Retirement Adequacy, 2010 Survey of Consumer Finances (SCF)

16.

Assessing the Effect of Self-Control on Retirement Preparedness of U.S Households

Consumer Interests Annual, Volume 59, 2013
Number of pages: 6 Posted: 27 Dec 2013 Last Revised: 28 Dec 2013
Kyoung Tae Kim, Jae Min Lee, Eunice Hong and Eunice Hong
University of Alabama, Minnesota State University, Mankato and Ohio State University - Consumer Sciences DepartmentKorean Women’s Development Institute
Downloads 118 (419,889)

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Self-control, Retirement Preparedness, Behavioral Life-Cycle Hypothesis, Survey of Consumer Finances

17.

Factors Related to the Risk Tolerance of Households in China and the United States: Implications for the Future of Financial Markets in China

Hanna, S.D., Kim, K.T., & Zhang, L. (2019). Factors related to the risk tolerance of households in China and the United States: Implications for the future of financial markets in China. Financial Services Review, Vol. 27 Issue 3, p279-302.
Number of pages: 41 Posted: 05 Feb 2019 Last Revised: 24 May 2021
Sherman D. Hanna, Kyoung Tae Kim and Lishu Zhang
Ohio State University (OSU), University of Alabama and Shenzhen University
Downloads 111 (439,193)
Citation 2

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Risk Tolerance, Individual Investing, China Household Finance Survey, Survey of Consumer Finances

18.

The Role of Propensity to Plan on Retirement Savings and Asset Accumulation

Family & Consumer Sciences Research Journal, 45(1), 34-48
Number of pages: 31 Posted: 16 Nov 2016
Jae Min Lee and Kyoung Tae Kim
Minnesota State University, Mankato and University of Alabama
Downloads 104 (460,519)
Citation 1

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Propensity to plan, Retirement savings, Wealth accumulation, Survey of Consumer Finances

19.

The Risk Tolerance Measure in the 2016 Survey of Consumer Finances: New, but is it Improved?

1.Kim, K.T., Hanna, S. D., & Ying, D. (2020). The Risk Tolerance Measure in the 2016 Survey of Consumer Finances: New, but is it Improved? Journal of Financial Counseling and Planning, accepted for publication.
Number of pages: 28 Posted: 21 May 2020 Last Revised: 07 Aug 2020
Kyoung Tae Kim, Sherman D. Hanna and Dongyue Ying
University of Alabama, Ohio State University (OSU) and Ohio State University (OSU) - Consumer Sciences Department
Downloads 99 (476,735)
Citation 1

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Equity ownership; Measure evaluation; Risk tolerance; Survey of Consumer Finances

The Relationship Between Financial Planner Use and Holding a Retirement Saving Goal: A Propensity Score Matching Analysis

Financial Planning Review, Forthcoming
Number of pages: 20 Posted: 13 Aug 2018
Kyoung Tae Kim, Tae-Young Pak, Su Shin and Sherman D. Hanna
University of Alabama, University of Alabama, University of Utah and Ohio State University (OSU)
Downloads 98 (483,423)
Citation 2

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Saving Goal, Retirement Savings, Financial Planner, Survey of Consumer Finances

The Relationship between Financial Planner Use and Holding a Retirement Saving Goal: A Propensity Score Matching Analysis

Financial Planning Review, Vol. 1, Issue 1-2, March-June 2018
Posted: 12 Nov 2019
Kyoung Tae Kim, Tae-Young Pak, Su Shin and Sherman D. Hanna
University of Alabama, University of Alabama, University of Utah and Ohio State University (OSU)

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21.

Household Ratio Guidelines for the Amount of Investments

Hanna, S. D., & Kim, K. T. (2016). Household ratio guidelines for the amount of investments. Financial Services Review, 25 (3), 263-277.
Number of pages: 25 Posted: 20 Aug 2016 Last Revised: 02 Dec 2016
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama
Downloads 98 (479,898)

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Capital Accumulation Ratio, financial ratios, investing, lifecycle theory of savings, Survey of Consumer Finances, retirement

22.

Has Financial Knowledge Increased in the United States?

Journal of Financial Counseling and Planning, Forthcoming
Number of pages: 27 Posted: 28 Mar 2022
Kyoung Tae Kim, Sunwoo T. Lee and Sherman D. Hanna
University of Alabama, York University and Ohio State University (OSU)
Downloads 95 (489,914)

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Financial knowledge, financial literacy, overconfidence, trends, National Financial Capability Study

23.

Financial Knowledge and Household Saving: Evidence From the Survey of Consumer Finances

Family & Consumer Sciences Research Journal, Forthcoming
Number of pages: 34 Posted: 04 Aug 2018
Kyoung Tae Kim and Yoonkyung Yuh
University of Alabama and Ewha Womans University
Downloads 95 (489,914)

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Financial Knowledge, Household Savings, Hierarchical Model, Survey of Consumer Finances

24.

Parameter Assumptions in Normative Analyses of Household Financial Decisions

Proceedings of the Academy of Financial Services, October 1 and 2, 2012, San Antonio, TX
Number of pages: 20 Posted: 18 Nov 2012 Last Revised: 25 Dec 2012
Sherman D. Hanna, Kyoung Tae Kim and Fen Liu
Ohio State University (OSU), University of Alabama and affiliation not provided to SSRN
Downloads 94 (493,256)

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normative household finance, utility functions, risk aversion, time preference, personal discount rate, intertemporal elasticity

25.

The Effects of Financial Literacy Overconfidence on the Mortgage Delinquency of US Households

Kim, Kyoung Tae, Lee, Jonghee, and Hanna, Sherman D. (2019). The Effects of Financial Literacy Overconfidence on the Mortgage Delinquency of US Households. Journal of Consumer Affairs
Number of pages: 36 Posted: 01 Oct 2018 Last Revised: 07 Oct 2019
Kyoung Tae Kim, Jonghee Lee and Sherman D. Hanna
University of Alabama, Inha University and Ohio State University (OSU)
Downloads 88 (514,241)
Citation 7

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Financial Knowledge; Financial Literacy; Mortgage Delinquency; National Financial Capability Study; Overconfidence

26.

Do Worker Expectations of Never Retiring Indicate a Preference or an Inability to Plan?

Hanna, S. D., Zhang, L., & Kim, K.T. (2017). Do worker expectations of never retiring indicate a preference or an inability to plan? Journal of Financial Counseling and Planning, 28 (2), 268-284.
Number of pages: 42 Posted: 12 Oct 2016 Last Revised: 18 Feb 2018
Sherman D. Hanna, Lishu Zhang and Kyoung Tae Kim
Ohio State University (OSU), Shenzhen University and University of Alabama
Downloads 84 (529,182)

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retirement planning, expected retirement age, retirement adequacy, financial sophistication

27.

Changes in the Risk Tolerance of US Households During 1992-2013

Paper presented at the Academy of Financial Services conference, Las Vegas, Nevada, October 2015
Number of pages: 13 Posted: 15 Nov 2016
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama
Downloads 83 (533,106)
Citation 2

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Risk tolerance, Stock market, Survey of Consumer Finances

28.

Variation in Client Characteristics between Financial Planning Compensation Models

Journal of Financial Planning, 30(10), 40-51, 2017
Number of pages: 29 Posted: 16 Oct 2017
Martin Seay, Somer Anderson, Derek Lawson and Kyoung Tae Kim
Kansas State University, Maryville University, Kansas State University and University of Alabama
Downloads 75 (565,449)
Citation 1

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financial planning, compensation model, national financial capability study

29.

Does Greater Complexity Reduce Retirement Adequacy? Evidence from the Survey of Consumer Finances, 1995-2007

Consumer Interests Annual, 2012 Forthcoming
Number of pages: 14 Posted: 12 Aug 2012
Kyoung Tae Kim, Samual Chen and Sherman D. Hanna
University of Alabama, Sun Trust Banks and Ohio State University (OSU)
Downloads 75 (565,449)

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Bounded rationality, Survey of Consumer Finances, income stage, retirement adequacy

30.

Poverty Levels and Debt Indicators Among Low-Income Households Before and After the Great Recession

Journal of Financial Counseling and Planning, 28(2), 196-212, 2017
Number of pages: 43 Posted: 17 Oct 2017 Last Revised: 04 Nov 2017
Kyoung Tae Kim, Melissa Wilmarth and Robin Henager
University of Alabama, University of Alabama - Department of Consumer Sciences and Whitworth University
Downloads 71 (582,831)

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debt profile, Great Recession, low-income households, poverty, Survey of Consumer Finances

31.

The Negative Association between Myopia and Financial Well-being as Moderated by Financial Knowledge

Lee, J. M., Kim, K.T., & Hanna, S.D. (2022). The negative association between myopia and financial well-being as moderated by financial knowledge. Journal of Financial Counseling and Planning, accepted for publication.
Number of pages: 29 Posted: 05 May 2022
Jae Min Lee, Kyoung Tae Kim and Sherman D. Hanna
Minnesota State University, Mankato, University of Alabama and Ohio State University (OSU)
Downloads 69 (591,854)

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time preference, Discounting, Financial knowledge, Financial well-being, National Financial Well-Being Survey

32.

Assessing Financial Security of Low Income Households in the United States

Journal of Poverty, Forthcoming
Number of pages: 34 Posted: 14 Apr 2015 Last Revised: 23 Dec 2015
Jae Min Lee and Kyoung Tae Kim
Minnesota State University, Mankato and University of Alabama
Downloads 63 (620,506)
Citation 2

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Financial Security, Financial Ratio, Poverty, Low Income Households, Survey of Consumer Finances

33.

Husbands, Wives, and Perception of Relative Knowledge About Household Finances

Number of pages: 27 Posted: 19 Mar 2021
Ohio State University (OSU), University of Alabama, Independent and York University
Downloads 62 (625,504)

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Gender, Financial knowledge, Household production model, Family decision-making, Survey of Consumer Finances

34.

Exploring Financial Burdens of Student Loan Holders in the United States

Family Consumer Science Research Journal. 46(4), 347-362
Number of pages: 27 Posted: 24 Jun 2018
Jae Min Lee, Kyoung Tae Kim, Eunice Hong and Eunice Hong
Minnesota State University, Mankato, University of Alabama and Ohio State University - Consumer Sciences DepartmentKorean Women’s Development Institute
Downloads 53 (674,383)

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Student Loans; Financial Burden; Debt Payment; Survey of Consumer Finances

35.

Credit Use of U.S. households After the Great Recession: The Role of Credit Constraints

Family & Consumer Sciences Research Journal (Forthcoming)
Number of pages: 32 Posted: 14 Dec 2015
Kyoung Tae Kim, Melissa Wilmarth and Shinae Choi
University of Alabama, University of Alabama - Department of Consumer Sciences and University of Alabama - Department of Consumer Sciences
Downloads 52 (680,048)
Citation 1

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credit constraint; installment loan debt; credit card debt; Survey of Consumer Finances

36.

Are Asian American Households More Likely than Other Households to Expect to Help Children with College Costs?

Journal of Family and Economic Issues, Forthcoming.
Number of pages: 30 Posted: 07 Nov 2019
Congrong Ouyang, Sherman D. Hanna and Kyoung Tae Kim
Auburn University, Ohio State University (OSU) and University of Alabama
Downloads 36 (786,376)
Citation 1

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College saving, Financial planning, Asian American households, social norms, Survey of Consumer Finances

37.

The Great Expansion of 2019 and the Delinquency Rates of Blacks and Hispanics

Kim, K.T., Hanna, S. D., & Lee, J. (2021). The Great Expansion of 2019 and the delinquency rates of Blacks and Hispanics. Applied Economics Letters, accepted for publication.
Number of pages: 15 Posted: 06 May 2021
Kyoung Tae Kim, Sherman D. Hanna and Jonghee Lee
University of Alabama, Ohio State University (OSU) and Inha University
Downloads 30 (834,022)
Citation 1

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Delinquency, Economic Expansion, Race/ethnicity, Survey of Consumer Finances

38.

A Comparison of the Old and New Risk Tolerance Measures in the Survey of Consumer Finances

Center for Financial Planning (CFP) Board, 2019 Academic Research Colloquium for Financial Planning and Related Disciplines
Number of pages: 22 Posted: 01 Oct 2018 Last Revised: 18 Nov 2022
Kyoung Tae Kim, Sherman D. Hanna and Dongyue Ying
University of Alabama, Ohio State University (OSU) and Ohio State University (OSU) - Consumer Sciences Department
Downloads 19 (933,998)

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Risk tolerance, Equity ownership, Survey of Consumer Finances

39.

Factors Related to Volatility in Current Household Income: Implications for Financial Planning

2018 Academic Research Colloquium for Financial Planning and Related Disciplines
Number of pages: 24 Posted: 23 Sep 2017
Ohio State University (OSU), University of Alabama and Ohio State University - Consumer Sciences DepartmentKorean Women’s Development Institute
Downloads 10 (1,022,315)

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Household income; Volatility; Great Recession; Survey of Consumer Finances,Financial Planning

40.

Husbands, Wives, and Financial Knowledge in Wealthy Households

Financial Planning Review, Vol. 4, No. 1, March 2021
Posted: 08 Apr 2021
Ohio State University (OSU), University of Alabama, Independent and York University

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41.

Time Preference Assumptions in Normative Analyses of Household Financial Decisions

Applied Economics Letters, Vol. 21, No. 9, 2014
Posted: 20 Mar 2014
Sherman D. Hanna and Kyoung Tae Kim
Ohio State University (OSU) and University of Alabama

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normative household finance, optimal saving, retirement adequacy