对财务能力的以人为中心的方法:早期记忆丧失,财务管理和决策
Peter A Lichtenberg1, Vanessa Rorai2, Emily V Flores3
1Institute of Gerontology and Distinguished Professor of Psychology, Wayne State University, Detroit, MI, USA.
Aging & mental health
|April 10, 2024
概括
老年人早期的记忆丧失与过度支出增加和较差的财务决策有关. 这项研究强调了认知能力下降和个人财务管理之间的联系.
科学领域:
- 老年学是一门学科.
- 认知科学 认知科学
- 行为经济学是一种行为经济学.
背景情况:
- 在评估财务能力方面,以个人为中心的方法是可行的.
- 个人财务涉及收入,支出,财务素养和决策.
研究的目的:
- 确定过度支出与财务决策,财务素养和早期记忆丧失的融合有效性.
- 研究老年人认知功能和财务行为之间的关系.
主要方法:
- 审查了114名60岁以上成年人的12个月的支票账单.
- 进行了两次电话采访. 声明后审查.
- 利用双变量和多变量分析来比较记忆丧失群体并确定支出预测因素.
主要成果:
- 在患有早期记忆丧失和没有早期记忆丧失的群体之间,在过度支出,财务决策风险,记忆和财务素养方面发现了显著的差异.
- 在等级回归中,财务决策是过度支出的唯一重要预测因素.
结论:
- 个人支出和财务决策的以个人为中心的措施显示与早期记忆丧失的收有效性.
- 早期记忆丧失与过度支出增加和改变财务决策有关.
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