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Synapse
June 3, 20260 citationsOpen Access

What people worry about: Top Personal Finance Concerns with Reddit Data

ZJZhu Jinfei

Key Points

  • This research aims to identify the primary personal finance concerns affecting Americans and their psychological implications.
  • Utilized Reddit posts from the Personal Finance forum to analyze top concerns.
  • Applied TFIDF to identify significant words across 13 finance categories.
  • Employed LDA Topic Modeling for topic distribution and LIWC dictionary for psychological traits detection.
  • Identified key financial concerns that correlate with mental health issues.
  • Revealed distinct topic categories impacting users' financial anxiety.
  • Highlighted psychological traits associated with specific finance discussions.

Abstract

Personal finance problems have become a significant social issue that bothers Americans despite their high income. Financial concerns could lead to mental depression, anxiety, sadness, and lower productivity. To find out the reasons behind this phenomenon and discover the top personal finance concerns, this paper utilizes the posts from the online Reddit discussion forum Personal Finance, with TFIDF to find out the top words in 13 categories of the forum, LDA Topic Modeling to reveal the distribution and content of topics in the online discussion, and LIWC dictionary to detect the psychological traits under each flair.

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Cite This Study

Zhu Jinfei (2022) studied this question.

synapsesocial.com/papers/6a1fc6f7dee9eb8c0dce7caehttps://doi.org/10.6082/d53z4-xwf37
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Analyzing Online Conversations on Reddit: A Study of Stress and Anxiety Through Topic Modeling and Sentiment Analysis2024 · 2 citations
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  4. 4Social Media Use, Fear of Missing Out (FoMO), Sleep Disturbance, and Physical Health Complaints: A Social Media Content Analysis2026
  5. 5Patterns of Loneliness in Digital Narratives: A Snapshot Analysis of Reddit Posts with Implications for Mental Health Nursing2025 · 2 citations