Abstract
. This study highlights the importance of incorporating subjective measures of identifiable problematic money issues in financial education workshops conducted by extension specialists. Addressing problematic money behaviors such as overspending, financial infidelity, and financial enabling empowers individuals to overcome harmful financial habits and improve basic money management practices such as paying bills on time and saving. The distinction between problematic money issues and money disorders, as well as overspending and compulsive buying, is clarified. The study uses empirical testing on problematic money behaviors and their association with fundamental money management practices to inform the development of comprehensive financial training and counseling programs.