| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | attitude towards savings | Spain | More focus on present enjoyment, with less emphasis on long-term savings. | 1 |
| 2 | personal savings | Spain | Tendency to prioritize enjoying the present and spending rather than aggressively saving for the future | 1 |
| 3 | savings | Spain | More focus on enjoying life in the present rather than saving excessively for the future | 1 |