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Using questionnaires alongside bank records, researchers Sandra Matz and Joe Gladstone identify that greater agreeableness predicts financial distress, particularly among individuals who start with lower income. Large-scale analysis across millions of people in the U.S. and U.K., linked to regional debt delinquency rates, also shows that communities with higher average agreeableness exhibit worse household finances. Explanations point to limited concern for money, increased generosity, and self-sacrificing spending or lending. 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