Division of Management, Columbia Business School.
UCL School of Management.
J Pers Soc Psychol. 2020 Mar;118(3):545-561. doi: 10.1037/pspp0000220. Epub 2018 Oct 11.
Recent research suggests that agreeable individuals experience greater financial hardship than their less agreeable peers. We explore the psychological mechanisms underlying this relationship and provide evidence that it is driven by agreeable individuals considering money to be less important, but not (as previously suggested) by agreeable individuals pursuing more cooperative negotiating styles. Taking an interactionist perspective, we further hypothesize that placing little importance on money-a risk factor for money mismanagement-is more detrimental to the financial health of those agreeable individuals who lack the economic means to compensate for their predisposition. Supporting this proposition, we show that agreeableness is more strongly (and sometimes exclusively) related to financial hardship among low-income individuals. We present evidence from diverse data sources, including 2 online panels (n1 = 636, n2 = 3,155), a nationally representative survey (n3 = 4,170), objective bank account data (n4 = 549), a longitudinal cohort study (n5 = 2,429), and geographically aggregated insolvency and personality measures (n6 = 332,951, n7 = 2,468,897). (PsycINFO Database Record (c) 2020 APA, all rights reserved).
最近的研究表明，随和的人比不那么随和的同龄人经历更大的经济困难。我们探讨了这种关系背后的心理机制，并提供了证据表明，这是由随和的人认为金钱不那么重要驱动的，但不是（如前所述）由随和的人追求更合作的谈判风格驱动的。从互动主义的角度来看，我们进一步假设，将金钱视为财务管理不善的风险因素（对金钱的重视程度较低），对那些缺乏经济手段来弥补其倾向的随和的人来说，对他们的财务健康更为不利。支持这一主张，我们表明，在低收入人群中，随和程度与经济困难的关系更为强烈（有时甚至是唯一的）。我们从多种不同的数据源提供了证据，包括 2 个在线面板（n1=636，n2=3155）、一个全国代表性调查（n3=4170）、客观的银行账户数据（n4=549）、一项纵向队列研究（n5=2429）和地理上聚合的破产和人格测量（n6=332951，n7=2468897）。
