Scarcity Mindset as a Predictor of Cryptocurrency Investments
Journal of Economic Psychology
2025

Caezilia Loibl's publication identifies that individuals with a stronger scarcity mindset are more likely to engage in risky investments such as cryptocurrency, even after accounting for other established determinants of investment behavior.

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Differences in Housing Wealth Between U.S. Military Service Personnel and the Civilian Population—Exploring the Role of Financial Stress
PLOS One
2025

Caezilia Loibl examines that while U.S. military households have homeownership rates similar to civilians, younger post-Vietnam servicemembers accumulate less housing wealth, with financial stress and frequent relocations shaping their ability to build home equity.

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Fear of Missing Out, Social Media Influencers, and the Social, Psychological and Financial Wellbeing of Young Consumers
PLOS One
2025

Caezilia Loibl examines that for young adults who follow social media influencers, fear of missing out is associated with lower overall wellbeing, but this effect is partly mitigated by parasocial interactions that contribute positively to social, psychological, and financial outcomes.

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Life Insurance Product Type, Financial Knowledge, and Financial Adequacy
Financial Planning Review
2025

Caezilia Loibl's publication finds that most U.S. households lack adequate financial protection against the death of an income earner, with life insurance product type playing a more consistent role than financial knowledge in determining financial preparedness.

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The Association of Financial Resources and Loneliness Among Older Adults During a State of Emergency
PLOS One
2025

Madeleine Drost and Caezilia Loibl examine that during the initial COVID-19 wave in the United States, emergency savings were a key predictor of loneliness among older adults, with financial liquidity constraints shaping loneliness similarly across socioeconomic groups.

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From Climate Crisis to Energy Crisis: Foster Public Support for Renewable Energy Transition Through Framing
Environmental Politics
2025

Author Caezilia Loibl and colleagues find that messaging focused on climate change and energy affordability increases public support for renewable energy policies, while energy independence appeals have more limited and audience-specific effects.

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Scarcity Mindset’s Positive Association With Using Alternative Financial Services
PLOS One
2026

Author Caezilia Loibl and colleagues find that a scarcity mindset significantly increases the likelihood of using alternative financial services, regardless of income level.

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To What Extent Did Social Media Use Contribute to Financial Hardship During the COVID-19 Pandemic?
Journal of Consumer Affairs
2026

Author Caezilia Loibl and colleagues examine how social media use during the COVID-19 pandemic contributed to financial hardship, highlighting fear of missing out as a key factor in worsening financial outcomes.

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