| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | attitude towards savings | Italy | Emphasis on enjoying life in the present, with less inclination towards saving for the future. | 1 |
| 2 | personal savings | Italy | Tendency to rely more on family support or social safety nets rather than prioritizing personal savings for the future | 1 |
| 3 | savings | Italy | More focus on enjoying life in the present rather than saving excessively for the future | 1 |