Richardson V, Kilty K M
Gerontologist. 1989 Feb;29(1):32-7. doi: 10.1093/geront/29.1.32.
The extent and patterns of financial planning among 234 black professionals was compared with those of white professionals. The data revealed similar expectations of continued income, supplementing finances by working in another occupation, pension income, and dependency on spouses for income. Although they invested less in stocks and bonds and bank certificates, income and age were the most significant predictors of financial planning.
对234名黑人专业人士和白人专业人士的财务规划程度及模式进行了比较。数据显示，他们在持续收入预期、通过从事其他职业补充资金、养老金收入以及依赖配偶获取收入等方面有着相似之处。尽管他们在股票、债券和银行存单上的投资较少，但收入和年龄是财务规划最重要的预测因素。
