美国成年人中财务担忧与心理困扰之间的关系。
The Relationship Between Financial Worries and Psychological Distress Among U.S. Adults.
作者信息
Ryu Soomin, Fan Lu
机构信息
School of Public Policy, University of Maryland, 2101 Van Munching Hall, College Park, MD 20742 USA.
Department of Financial Planning, Housing and Consumer Economics, University of Georgia, 205 Dawson Hall, 305 Sanford Drive, Athens, GA 30602 USA.
出版信息
J Fam Econ Issues. 2023;44(1):16-33. doi: 10.1007/s10834-022-09820-9. Epub 2022 Feb 1.
This study examines the association between financial worries and psychological distress among US adults and tests its moderating effects by gender, marital status, employment status, education, and income levels. Data were derived from the cross-sectional 2018 National Health Interview Survey (NHIS) of the adult population. The hierarchical regression analysis revealed that higher financial worries were significantly associated with higher psychological distress. Additionally, the association between financial worries and psychological distress was more pronounced among the unmarried, the unemployed, lower-income households, and renters than their counterparts. The findings suggest that accessible financial counseling programs and public health intervention programs are needed to mitigate financial worries and its negative influences on overall psychological health, with greater attention devoted to vulnerable populations.
本研究调查了美国成年人财务担忧与心理困扰之间的关联，并通过性别、婚姻状况、就业状况、教育程度和收入水平来检验其调节作用。数据来源于2018年针对成年人口的横断面全国健康访谈调查（NHIS）。分层回归分析显示，更高的财务担忧与更高的心理困扰显著相关。此外，未婚者、失业者、低收入家庭和租房者的财务担忧与心理困扰之间的关联比其对应人群更为明显。研究结果表明，需要有可获取的财务咨询项目和公共卫生干预项目来减轻财务担忧及其对整体心理健康的负面影响，同时要更加关注弱势群体。
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