| 1. Factor of optimism based on the activity and knowledge, 22.5% |
| Financial optimism |
.740 |
| Consumer activity |
.723 |
| Customer satisfaction |
.723 |
| Real estate activities |
.684 |
| Significance of independent economic achievements |
.594 |
| Activities, rationality in the banking sector |
.552 |
| Financial literacy |
.520 |
| 2. Factor of consumer irrationality and savings, 14.1% |
| Rational purchase decisions |
-.760 |
| Awareness of irrational consumption |
.735 |
| Willingness to save money |
.732 |
| Confidence in the future thanks to savings |
.630 |
| Social responsibility of wealth |
.447 |
| 3. Factor of wage work, 9.9% |
| Negative attitude towards entrepreneurs |
.731 |
| Priority of money over health |
.661 |
| Significance of financial status |
.635 |
| Priority of money over vocation |
.578 |
| 4. Factor of investments, 8.7% |
| Financial illiteracy |
-.795 |
| Distrust in banks, irrationality |
-.568 |
| Willingness to invest |
.542 |
| Economic aspirations |
.514 |
| Cognitive economic activities |
.510 |