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延迟贴现的年龄相关差异:收入问题
Haoran Wan1, Joel Myerson1, Leonard Green1
1Department of Psychological and Brain Sciences, Washington University in St. Louis.
Psychology and aging
|April 22, 2024
概括
与老年人相比,收入较低的年轻人对延迟奖励的折扣率更高. 高收入群体没有与年龄相关的差异,支持与收入稀缺和情感稳定相关的缓冲假设.
科学领域:
- 认知心理学 认知心理学
- 行为经济学是一种行为经济学.
- 神经科学是一个神经科学.
背景情况:
- 之前的元分析没有发现延迟奖励折扣的年龄相关差异.
- 社会经济因素,特别是收入对与年龄相关的折扣的影响以前没有被检查.
- 收入短缺可能会成为影响决策的压力因素.
研究的目的:
- 调查不同家庭收入水平中延迟奖励折扣的年龄相关差异.
- 为了测试缓冲假设,建议情绪稳定减轻收入短缺带来的压力.
- 为了比较年轻 (35-50) 和年长 (65-80) 低收入 (<5万美元) 和高收入 (>8万美元) 的成年人之间的折扣行为.
主要方法:
- 采用了两个既定的贴现程序:货币选择问卷和调整金额程序.
- 招募了年轻和年长的成年参与者,按家庭收入分层.
- 在较低收入群体的痛苦水平上进行统计控制,以评估其缓和作用.
主要成果:
- 收入较低的年轻人比收入较低的老年人更大幅度地降价延迟奖励.
- 在收入较高的群体中,没有发现与年龄相关的显著差异.
- 对困境的控制消除了低收入群体与年龄相关的折扣差异.
结论:
- 收入水平显著缓和延迟奖励折扣的年龄相关差异.
- 缓冲假设得到了支持:情绪稳定可能会减轻收入稀缺性相关压力对折扣的影响.
- 研究结果强调了年龄,收入和心理因素在经济决策中的相互作用.
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