Lorence Julie, Lawrence Dana J, Salsbury Stacie A, Goertz Christine M
Doctoral student, Kinesiology and Community Health, University of Illinois, Huff Hall, 1206 S. Fourth Street, Champaign, IL 61820
Senior Director, Center for Teaching and Learning, Interim Senior Director for Continuing Education and Events, Palmer College of Chiropractic, 1000 Brady Street, Davenport, IA 52803.
J Can Chiropr Assoc. 2014 Mar;58(1):58-65.
Our purpose was to describe the financial knowledge, habits and attitudes of chiropractic students.
We designed a cross-sectional survey to measure basic financial knowledge, current financial habits, risk tolerance, and beliefs about future income among 250 students enrolled in business courses at one US chiropractic college. Descriptive statistical analyses were performed.
We received 57 questionnaires (23% response rate). Most respondents would accumulate over $125,000 in student loan debt by graduation. Financial knowledge was low (mean 77%). Most respondents (72%) scored as average financial risk takers. Chiropractic students reported recommended short-term habits such as having checking accounts (90%) and health insurance (63%) or paying monthly bills (88%) and credit cards (60%). Few saved money for unplanned expenses (39%) or long-term goals (26%), kept written budgets (32%), or had retirement accounts (19%).
These chiropractic students demonstrated inadequate financial literacy and did not engage in many recommended financial habits.
我们的目的是描述脊椎按摩疗法专业学生的金融知识、习惯和态度。
我们设计了一项横断面调查，以测量一所美国脊椎按摩疗法学院250名选修商业课程的学生的基本金融知识、当前金融习惯、风险承受能力以及对未来收入的看法。进行了描述性统计分析。
我们收到了57份问卷（回复率为23%）。大多数受访者毕业时将累积超过12.5万美元的学生贷款债务。金融知识水平较低（平均为77%）。大多数受访者（72%）被评为中等金融风险承担者。脊椎按摩疗法专业学生报告了一些推荐的短期习惯，如拥有支票账户（90%）和健康保险（63%），或每月支付账单（88%）和使用信用卡（60%）。很少有人为意外开支（39%）或长期目标（26%）存钱，制定书面预算（32%），或拥有退休账户（19%）。
这些脊椎按摩疗法专业学生表现出金融素养不足，且未养成许多推荐的金融习惯。
