Thanks. Patti sent me an email with the correct attachment. I have some questions on the final draft of your editing file. 

At page 2,
I am still confused even after I get your point with your new comment added this morning. The following sentence starting after thus is the one afflicting me. 
Examining the low income households that are more vulnerable to market change may allow for a more thorough and normative examination of the financial circumstances of U.S. households after the Great Recession, thus providing financial planners, educators, and policy makers with insights to improve said households financial decisions
My question is, after thus you used providing.. insight to improve as your subject and used said as your verb. Am I correct? Then, why did you used past tense of the verb, said, in this sentence? I did not find any reason or logic to use past tense in this sentence. It does not make sense to me. Would you explain some details on this or revise the sentence for me? 

At page 3,
"Household save occurs when income is high, while dissave occurs when income is low"
Q: Is Save a verb, not noun? In this sentence, we have two verbs after the subject. I just changed it to Households save when income is high, while dissave when income is low
Is is okay?

At page 10,
I would like to keep emphasizing why I chose 1.0 cut off point for solvency ratio. Would you revise the following sentence you deleted in the final version? 
"Households having debt less than one the value of their total assets could secure their solvency status easily, thus, a solvency ratio less than 1.0 is considered insolvent (DeVaney, 2000; Kim & Lyons, 2008; Lyons & Yilmazer, 2005)."

At page 12,
In order to examine the differences between meeting each financial guideline in households of different poverty levels, we present the means tests of Table 3

Q: I tried to say that the difference in meeting guideline will be found by different poverty levels. If I change above sentence to the following one, do I make myself clear? Otherwise, would you revise the sentence for me?  

In order to examine the differences in meeting each financial guideline between households of different poverty levels,. 

Page 17,
The following sentence sounds a bit awkward to me. Would you please give me some explanation or edit the sentence? 

"Increased financial literacy can lead to a different choice and allow households to more objectively assess their own financial resources and goals, thus monitoring financial stability more consciously (Hanna et al., 2012; ONeill & Xiao, 2006; Xiao et al., 2004)."

Q: In this sentence, you use a verb, allow, after an auxiliary verb can as a parallel structure. If so, do we keep using original form of monitor after thus, rather than v-ing form? Or, monitoring may need another verb.  

Looking forward to hearing from you soon. Thanks.