Winstanley Maxine, Durkin Kevin, Webb Roger T, Conti-Ramsden Gina
The University of Manchester and Manchester Academic Health Science Centre, UK.
University of Strathclyde, UK.
Autism Dev Lang Impair. 2018 Aug 15;3:2396941518794500. doi: 10.1177/2396941518794500. eCollection 2018.
Financial capability is an essential feature of the organisation of one's personal life and engagement with society. Very little is known of how adequately individuals with developmental language disorder handle financial matters. It is known that language difficulties place them at a disadvantage in many aspects of their development and during their transition into adulthood, leading to the possibility that financial issues may prove burdensome for them. This study examines the financial capability and functional financial literacy of young adults with developmental language disorder and compares them to those of age matched peers. We tested the expectation that those with developmental language disorder would find financial management more challenging than would their peers, and that they would need to seek greater support from family members or other people.
Participants completed a detailed individual interview, which included items drawn from the British Household Panel Survey and additional measures of financial capability, functional financial literacy and of perceived support. Nonverbal IQ, language, reading and numeracy measures were also collected.
Compared to typically developing age matched peers, young people with developmental language disorder report less extensive engagement with financial products and lower competence in functional financial literacy. A considerably higher proportion of those with developmental language disorder (48% vs. 16% of age matched peers) report that they draw on support, primarily from parents, in various financial tasks, including paying bills, choosing financial products, and taking loans from family or friends.
This is the first study to consider the financial capability skills and functional financial literacy of young adults with developmental language disorder. We provide novel evidence that some young adults with developmental language disorder lack functional financial skills and require support to successfully manage their finances. This has policy implications that relate not only to engaging affected individuals in discussions about financial management but also to wider familial support.
经济能力是个人生活组织和社会参与的一个基本特征。对于患有发育性语言障碍的个体如何充分处理财务事项，我们知之甚少。众所周知，语言困难使他们在发展的许多方面以及向成年过渡期间处于不利地位，这导致财务问题可能对他们来说是沉重负担的可能性。本研究调查了患有发育性语言障碍的年轻人的经济能力和实用金融知识，并将他们与年龄匹配的同龄人进行比较。我们检验了这样的预期：患有发育性语言障碍的人会发现财务管理比同龄人更具挑战性，并且他们需要从家庭成员或其他人那里寻求更多支持。
参与者完成了一次详细的个人访谈，其中包括从英国家庭调查小组中抽取的项目以及经济能力、实用金融知识和感知支持的额外测量。还收集了非言语智商、语言、阅读和算术测量数据。
与发育正常的年龄匹配同龄人相比，患有发育性语言障碍的年轻人报告称参与金融产品的程度较低，实用金融知识的能力也较低。相当高比例的患有发育性语言障碍的人（48%，而年龄匹配同龄人中这一比例为16%）报告称，他们在各种财务任务中，包括支付账单、选择金融产品以及从家人或朋友那里贷款，主要从父母那里获得支持。
这是第一项考虑患有发育性语言障碍的年轻人的经济能力技能和实用金融知识的研究。我们提供了新的证据，表明一些患有发育性语言障碍的年轻人缺乏实用金融技能，需要支持才能成功管理他们的财务。这具有政策意义，不仅涉及让受影响的个人参与财务管理讨论，还涉及更广泛的家庭支持。
