School of Family Life, Brigham Young University, Provo, Utah.
Department of Gerontology, Haifa University, Israel.
J Gerontol B Psychol Sci Soc Sci. 2020 Mar 9;75(4):827-836. doi: 10.1093/geronb/gbz076.
Although research has investigated financial planning for retirement, less is known about how adults plan their retirement activities. Even less is known about couples' congruence and incongruence in retirement activities planning. The authors examined husband and wife reports of retirement plans across a 5-year period that involved a U.S. economic recession.
Using data from 335 midlife couples who participated in the Flourishing Families project, retirement plans were grouped into five categories-family, leisure, volunteer, work, and uncertain. We estimated probit dyadic structural equation models to explore longitudinal predictors of retirement plans.
Results indicated mean differences in retirement plans between husbands and wives, and also across time that might have been influenced by surrounding economics. Wife poor health, number of children, both spouses working, and financial assets were linked with the likelihood of reporting certainty in retirement plans. Greater retirement uncertainty was predicted by lower marital quality, higher financial adjustments, lower education, and ethnic diversity.
Husband and wife reports of retirement plans are not always congruent, and plans in retirement can be affected by large scale changes in the U.S. economy.
尽管有研究调查了退休的财务规划，但对于成年人如何规划退休活动知之甚少。对于夫妻在退休活动规划上的一致性和不一致性，了解得就更少了。作者研究了在涉及美国经济衰退的 5 年期间，丈夫和妻子对退休计划的报告。
使用参与繁荣家庭项目的 335 对中年夫妇的数据，将退休计划分为五类：家庭、休闲、志愿、工作和不确定。我们估计了二元结构方程模型，以探讨退休计划的纵向预测因素。
结果表明，丈夫和妻子之间以及随时间变化的退休计划存在差异，这可能受到周围经济的影响。妻子身体不好、孩子数量、夫妻双方都工作以及金融资产与报告退休计划确定性的可能性有关。较低的婚姻质量、较高的财务调整、较低的教育程度和种族多样性预测了更大的退休不确定性。
丈夫和妻子对退休计划的报告并不总是一致的，退休计划可能会受到美国经济大规模变化的影响。
