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The aim of this research was to explore the possibility that Wallston's (1992) modified social learning theory would apply to wealth creation behavior. We hypothesized that those who have high scores on internal wealth locus of control, perceived wealth competence, and wealth value would be more likely to engage in wealth creation behavior, both currently and in the future. A community sample of 317 adults completed measures of all these constructs. Factor structure and reliability of the scales were established prior to analysis. Two separate hierarchical multiple regressions were conducted: The moderation hypothesis was not supported. Perceived wealth competence was identified as a predictor of wealth creation behavior, current and future, in terms of both statistical and practical significance.