| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | attitude towards savings | Sweden | Social safety nets and government support lead to a more relaxed attitude towards personal savings for some individuals. | 1 |
| 2 | cash savings | Sweden | Reliance on digital payment methods makes cash savings less common | 1 |
| 3 | cash savings | Sweden | Preference for saving in government-regulated savings accounts or investment portfolios rather than keeping cash on hand | 1 |
| 4 | personal savings | Sweden | Strong support from the government and welfare system, leading to less emphasis on individual personal savings | 1 |