West Stacia, Friedline Terri
Soc Work. 2016 Oct;61(4):305-12. doi: 10.1093/sw/sww057.
Lower-income millennials make important financial decisions that may affect their future financial well-being. With limited resources, this population is at risk for acquiring too much debt or being unprepared for a financial emergency that can send them further into poverty and constrain their ability to leverage resources for future economic mobility. A financial capability approach, an intervention that combines financial education with financial inclusion through the use of a savings account, may correlate with millennials’ healthy financial behaviors. This study used data from the 2012 National Financial Capability Study to examine the relationship between financial capability and the financial behaviors of lower-income millennials between the ages of 18 and 34 years (N = 2,578). Compared with those lower-income millennials who were financially excluded, those who were financially capable were also 171 percent more likely to afford an unexpected expense, 182 percent more likely to save for emergencies, and 34 percent less likely to carry too much debt, relating to their greater overall financial satisfaction. The findings of this study indicate that interventions that develop lower-income millennials’ financial capability may be effective for promoting healthy financial behaviors.
低收入的千禧一代会做出可能影响其未来财务状况的重要财务决策。由于资源有限，这一群体面临着背负过多债务或对财务紧急情况毫无准备的风险，而这种情况可能会使他们进一步陷入贫困，并限制他们利用资源实现未来经济流动的能力。财务能力方法是一种通过使用储蓄账户将金融教育与金融包容性相结合的干预措施，它可能与千禧一代健康的财务行为相关。本研究使用了2012年全国金融能力研究的数据，以检验18至34岁低收入千禧一代（N = 2578）的财务能力与财务行为之间的关系。与那些被排除在金融体系之外的低收入千禧一代相比，具备财务能力的人支付意外开支的可能性高出171%，为紧急情况储蓄的可能性高出182%，背负过多债务的可能性低34%，这与他们更高的总体财务满意度有关。本研究结果表明，培养低收入千禧一代财务能力的干预措施可能对促进健康的财务行为有效。
