Teichman J M, Bernheim B D, Espinosa E A, Cecconi P P, Meyer J, Pearle M S, Preminger G M, Leveillee R J
Division of Urology, University of Texas Health Science Center, San Antonio, Texas, USA.
Urology. 2001 May;57(5):866-71. doi: 10.1016/s0090-4295(00)01128-6.
To examine personal financial management among residents to answer three research questions: do residents make reasonable financial choices; why do some residents not save; and what steps can be taken to improve residents' personal financial decisions.
Portions of the Federal Reserve Board's Survey of Consumer Finances were modified and piloted to elicit demographic, expense, saving, and income data. The final questionnaire was completed by 151 urology residents at 20 programs.
Comparing residents with the general population in the same age and income categories, the median debt/household income ratio was 2.38 versus 0.64. Residents had greater educational debt, greater noneducational debt, and lower savings. Resident participation in retirement accounts was 100% at institutions with employer-matching 401k or 403b plans, 63% at institutions with nonmatching 401k or 403b plans, and 48% at institutions without retirement plans for residents (P = 0.002). Fifty-nine percent of residents budgeted expenses, 27% had cash balances below $1000, 51% had paid interest charges on credit cards within the previous year, and 12% maintained unpaid credit card balances greater than $10,000. The median resident income was $38,400.
A significant minority of residents appear not to make reasonable financial choices. Some residents save little because of a failure to budget, indebtedness, high projected income growth, or insufficient attention to personal financial management. Residents save more when they are eligible for tax-deferred retirement plans, particularly when their institution matches their contributions. Many residents would benefit from instruction concerning prudent financial management.
研究住院医师的个人财务管理情况，以回答三个研究问题：住院医师是否做出合理的财务选择；为什么有些住院医师不储蓄；以及可以采取哪些措施来改善住院医师的个人财务决策。
对美联储委员会的消费者金融调查部分内容进行修改并进行试点，以获取人口统计学、支出、储蓄和收入数据。最终问卷由20个项目的151名泌尿外科住院医师完成。
将住院医师与相同年龄和收入类别的普通人群进行比较，债务/家庭收入中位数之比为2.38，而普通人群为0.64。住院医师的教育债务更高、非教育债务更高且储蓄更低。在有雇主匹配401k或403b计划的机构中，住院医师参与退休账户的比例为100%，在有不匹配401k或403b计划的机构中为63%，在没有为住院医师设立退休计划的机构中为48%（P = 0.002）。59%的住院医师对支出进行预算，27%的现金余额低于1000美元，51%的人在前一年支付了信用卡利息费用，12%的人未偿还的信用卡余额超过10000美元。住院医师的收入中位数为38400美元。
相当一部分住院医师似乎没有做出合理的财务选择。一些住院医师储蓄很少是因为没有进行预算、负债、预计收入增长高或对个人财务管理关注不足。当住院医师有资格参加税收递延退休计划时，尤其是当他们的机构匹配他们的缴款时，他们会储蓄更多。许多住院医师将受益于有关审慎财务管理的指导。
