Zeppelin Universität Friedrichshafen, Germany.
Curr Opin Psychol. 2022 Aug;46:101342. doi: 10.1016/j.copsyc.2022.101342. Epub 2022 Mar 25.
Globally, financial hardship arising from overspending and over-indebtedness, and often leading to poverty, strongly hampers peoples' life satisfaction, well-being, and health. Going beyond the immediate economic issues, psychology has much to offer to identify potential causes and consequences of financial hardship and interventions on how to handle these problems. Many publications in developmental psychology explore the detrimental impact of financial hardship on children's development, their behavior, health, and their neurological development. Other fields in psychology are focused on the question of how financial hardship affects peoples' economic decisions and economic behavior. Most importantly, recent research has explored the psychological factors that lead to overspending, over-indebtedness, and poverty, and offered possible interventions to fight the poverty trap. The present article reviews recent research on these topics.
在全球范围内，过度支出和过度负债导致的经济困难，往往会导致人们的生活满意度、幸福感和健康状况受到严重影响。除了直接的经济问题，心理学在识别经济困难的潜在原因和后果以及处理这些问题的干预措施方面有很大的作用。发展心理学的许多出版物探讨了经济困难对儿童发展、行为、健康和神经发育的不利影响。心理学的其他领域则关注经济困难如何影响人们的经济决策和经济行为。最重要的是，最近的研究探讨了导致过度支出、过度负债和贫困的心理因素，并提出了可能的干预措施来摆脱贫困陷阱。本文综述了这些主题的最新研究。
