Lee Kathy, Tang Weizhou, Jones Sarah, Xu Ling, Cong Zhen
School of Social Work, University of Texas , Arlington, TX, USA.
Leonard Davis School of Gerontology, University of Southern California , Los Angeles, CA, USA.
J Gerontol Soc Work. 2021 Mar;64(2):120-134. doi: 10.1080/01634372.2020.1814477. Epub 2020 Sep 18.
The Money Smart for Older Adults is a program that is tailored to older adults to raise awareness for the risk of financial exploitation and teach them how to plan and make informed financial decisions. The purpose of this study was to examine financial circumstances of older adults in the program and to explore how the program could better support their financial well-being. Individual, in-depth interviews were conducted with 29 older adults who attended the program provided by a local agency in northern Texas. Three themes emerged when exploring financial circumstances of the participants: (1) victims of financial fraud scams, (2) struggles with money management, and (3) inability to make ends meet. The program has been serving older adults, particularly ethnically diverse older adults and low-income older adults who may not have access to financial education workshops or seminars provided by private financial institutions. The Money Smart for Older Adults Program was perceived as helpful among the participants because it raised awareness of the importance of their financial well-being and it also supported their financial decision making.
“老年人理财智慧”项目是一个专门为老年人量身定制的项目，旨在提高他们对金融剥削风险的认识，并教他们如何规划和做出明智的财务决策。本研究的目的是调查参与该项目的老年人的财务状况，并探讨该项目如何能更好地支持他们的财务健康。对29名参加了得克萨斯州北部一家当地机构提供的该项目的老年人进行了个人深度访谈。在探究参与者的财务状况时出现了三个主题：（1）金融欺诈骗局的受害者，（2）资金管理方面的困难，以及（3）入不敷出。该项目一直在为老年人服务，特别是那些可能无法参加私人金融机构提供的金融教育工作坊或研讨会的不同种族的老年人和低收入老年人。“老年人理财智慧”项目在参与者中被认为是有帮助的，因为它提高了他们对财务健康重要性的认识，并且还支持了他们的财务决策。
