Table 4 Factor loadings, mean, and path coefficients of the SEM

Factor loadings

 Mental health

M1

3.68(0.71)

0.624

 < 0.001

 Mental health

M2

3.57(0.74)

0.681

 < 0.001

 Mental health

M3

3.66(0.78)

0.538

 < 0.001

 Mental health

M4

3.64(0.77)

0.644

 < 0.001

 Mental health

M5

3.6(0.79)

0.689

 < 0.001

 Mental health

M6

3.54(0.79)

0.722

 < 0.001

 Mental health

M7

3.48(0.78)

0.817

 < 0.001

 eHealth literacy

E1

3.43(0.77)

0.669

 < 0.001

 eHealth literacy

E2

3(0.95)

0.855

 < 0.001

 eHealth literacy

E3

3.28(0.89)

0.87

 < 0.001

 eHealth literacy

E4

2.25(0.93)

0.85

 < 0.001

 eHealth literacy

E5

3.07(0.73)

0.872

 < 0.001

 eHealth literacy

E6

3.16(0.8)

0.834

 < 0.001

 eHealth literacy

E7

3.18(0.85)

0.876

 < 0.001

 eHealth literacy

E8

3.18(0.85)

0.844

 < 0.001

 Financial well-being

F1

3.14(2.21)

0.765

 < 0.001

 Financial well-being

F2

3.42(2.41)

0.764

 < 0.001

 Financial well-being

F3

2.73(1.74)

0.843

 < 0.001

 Financial well-being

F4

2.71(1.94)

0.865

 < 0.001

 Financial well-being

F5

3.06(2.24)

0.692

 < 0.001

 Financial well-being

F6

3.27(2.79)

0.465

 < 0.001

 Financial well-being

F7

2.87(2.34)

0.759

 < 0.001

 Financial well-being

F8

3.04(2.06)

0.925

 < 0.001

Path

β

p-value

 Financial well-being → Mental health

0.406

 < 0.001

 eHealth literacy → Mental health

0.241

0.002

 eHealth literacy → Financial well-being

0.288

 < 0.001

Model performance

value

 RMSEA

0.066

 CFI

0.937

 TLI

0.929