School of Family Life.
University of Arizona.
J Fam Psychol. 2022 Sep;36(6):943-953. doi: 10.1037/fam0000927. Epub 2021 Nov 4.
A theoretically grounded, validated measure of parent financial socialization is needed. This article describes the development and validation process of three new scales: the Parent Financial Modeling Scale (eight items), the Parent-Child Financial Discussion Scale (nine items), and the Experiential Learning of Finances Scale (three items). These may be treated as subscales of a multidimensional latent construct: the Parent Financial Socialization Scale (20 items). The three scales measure the three primary methods of family financial socialization. The scales are designed to be retrospective, with target participants being U.S. emerging adults (age 18-30). A rigorous development process was undertaken: an initial pool of items was generated, expert assessments were collected, cognitive interviews were conducted, and (following preliminary data collection) preliminary item reduction analysis and confirmatory factor analysis (CFA) were conducted. Final data were collected from a diverse (51.7% female, 47.6% male; 31.6% White, 22.0% Black, 19.8% Latinx, 14.6% Asian; 50.4% no parent with college degree, 47.4% parent with college degree) sample of 4,182 U.S. emerging adults. During validation, item reduction analysis, CFA, reliability tests, measurement invariance tests, and construct validity tests were conducted. The scales demonstrated acceptable reliability and validity, and invariance was established across sex, race, and parents' education level. These scales are unique in their ability to capture nuance and will allow for comparisons across studies. They will enhance the quality of family financial socialization research, expand the questions that can be answered, and allow for the development of programming that is effective for a wide range of families. (PsycInfo Database Record (c) 2022 APA, all rights reserved).
需要一种有理论基础、经过验证的父母金融社会化衡量工具。本文介绍了三个新量表的开发和验证过程：父母金融建模量表（八项）、父母-子女金融讨论量表（九项）和金融经验学习量表（三项）。这些量表可以作为多维潜在结构的子量表：父母金融社会化量表（二十项）。这三个量表测量了家庭金融社会化的三种主要方法。这些量表旨在进行回顾性测量，目标参与者是美国的新兴成年人（18-30 岁）。采用了严格的开发过程：生成了初始项目池，收集了专家评估，进行了认知访谈，并（在初步数据收集后）进行了初步项目删减分析和验证性因素分析（CFA）。最终数据来自一个多样化的（51.7%女性，47.6%男性；31.6%白人，22.0%黑人，19.8%拉丁裔，14.6%亚裔；50.4%父母没有大学学历，47.4%父母有大学学历）的 4182 名美国新兴成年人样本。在验证过程中，进行了项目删减分析、CFA、可靠性测试、测量不变性测试和结构有效性测试。这些量表具有可接受的可靠性和有效性，并且在性别、种族和父母教育程度方面建立了不变性。这些量表的独特之处在于它们能够捕捉细微差别，并允许在研究之间进行比较。它们将提高家庭金融社会化研究的质量，扩大可以回答的问题范围，并为广泛的家庭制定有效的计划。（PsycInfo 数据库记录（c）2022 APA，保留所有权利）。
