Department of Clinical and Developmental Neuropsychology, University of Groningen, Grote Kruisstraat 2/1, 9712 TS, Groningen, The Netherlands.
Department of Psychology, University of Amsterdam, Amsterdam, The Netherlands.
J Neural Transm (Vienna). 2021 Jul;128(7):969-979. doi: 10.1007/s00702-021-02323-1. Epub 2021 Mar 12.
ADHD has a debilitating influence on everyday functioning, including the capability to make financial decisions. The capability to make financial decisions is a multidimensional construct that includes financial knowledge, financial judgment, financial performance and related contextual factors. So far, the majority of studies in adults with ADHD focused on financial performance, while the other aspects of financial capability were less explored. The current study aims to partly bridge this gap by examining the ability of financial judgment in adults with ADHD. Thirty-nine adults with ADHD and 83 adults without ADHD were included. All participants were assessed with the Financial Competence Assessment Inventory (FCAI) and Financial Decision-Making Interview (FDMI) which both assess the four abilities of financial judgment, i.e., understanding, appreciation, reasoning and communication. The results show that adults with ADHD, compared to adults without ADHD, obtained significantly lower scores on understanding (according to the FCAI and FDMI). Furthermore, adults with ADHD showed a significantly lower appreciation, reasoning and communication (according to the FCAI) than adults without ADHD. In conclusion, adults with ADHD have difficulties with financial judgment especially with the ability to understand information that is relevant for a financial situation or transaction. Furthermore, adults with ADHD were found to have problems with appreciating, reasoning and communicating about practical information that partly relates to their own financial situation (as assessed with the FCAI). A careful assessment of financial capability in adults with ADHD, therefore, appears warranted in clinical practice.
ADHD 对日常生活功能有严重影响，包括做出财务决策的能力。做出财务决策的能力是一个多维结构，包括金融知识、金融判断、金融表现和相关的背景因素。到目前为止，大多数关于 ADHD 成人的研究都集中在金融表现上，而财务能力的其他方面则探讨较少。本研究旨在通过检查 ADHD 成人的财务判断能力来部分弥补这一差距。研究纳入了 39 名 ADHD 成人和 83 名非 ADHD 成人。所有参与者都接受了财务能力评估问卷（FCAI）和财务决策访谈（FDMI）的评估，这两个测试都评估了财务判断的四项能力，即理解、欣赏、推理和沟通。结果表明，与非 ADHD 成人相比，ADHD 成人在理解方面（根据 FCAI 和 FDMI）的得分明显较低。此外，ADHD 成人在欣赏、推理和沟通方面（根据 FCAI）的得分明显低于非 ADHD 成人。总之，ADHD 成人在财务判断方面存在困难，特别是在理解与财务状况或交易相关的信息方面。此外，研究还发现，ADHD 成人在欣赏、推理和交流与自身财务状况部分相关的实际信息方面存在问题（根据 FCAI 评估）。因此，在临床实践中，对 ADHD 成人的财务能力进行仔细评估是有必要的。
