Di Domenico Stefano I, Ryan Richard M, Bradshaw Emma L, Duineveld Jasper J
Department of Psychology, University of Toronto Scarborough, Toronto, ON, Canada.
Institute for Positive Psychology and Education, Australian Catholic University, Sydney, NSW, Australia.
Front Psychol. 2022 Sep 20;13:977818. doi: 10.3389/fpsyg.2022.977818. eCollection 2022.
Financial knowledge and sound financial decision making are now broadly recognized to be important determinants of both personal and societal prosperity, but research has yet to examine how distinct qualities of motivation may be associated with the way people manage their money. In two studies we applied the framework of Self-Determination Theory (SDT) to examine people's autonomous (volitional) and controlled (pressured) motivation for understanding and managing their finances, as well as their amotivation (lack of motivation) for doing so, and the differential associations these motives have with financial knowledge and financial well-being. American participants (Study 1, = 516; Study 2, = 534) completed detailed demographic surveys and questionnaires assessing the financial variables of interest. As hypothesized, SDT's motivational constructs were associated with financial outcomes over and above participants' age, gender, income, household wealth, and educational attainment. Autonomous motivation was positively associated with a host of positive financial behaviors and characteristics (e.g., saving/investing and financial self-efficacy, well-being, and self-awareness). Controlled motivation was negatively associated with financial well-being. Amotivation was positively associated with overspending and negatively associated with financial self-efficacy and well-being. These findings support the relevance of SDT's framework in this domain and suggest that interventions aimed at promoting financial knowledge and wellness may benefit by adopting evidence-supported strategies for optimizing more autonomous motivations and addressing amotivations.
金融知识和合理的金融决策如今已被广泛认为是个人和社会繁荣的重要决定因素，但研究尚未考察不同的动机特质可能如何与人们管理资金的方式相关联。在两项研究中，我们应用自我决定理论（SDT）的框架来考察人们理解和管理财务的自主（自愿）动机和受控（受压力）动机，以及他们在此方面的无动机状态（缺乏动机），以及这些动机与金融知识和财务福祉的不同关联。美国参与者（研究1，n = 516；研究2，n = 534）完成了详细的人口统计学调查和评估相关金融变量的问卷。正如所假设的那样，SDT的动机结构与财务结果相关，超出了参与者的年龄、性别、收入、家庭财富和教育程度。自主动机与一系列积极的金融行为和特征呈正相关（例如储蓄/投资以及金融自我效能感、幸福感和自我意识）。受控动机与财务福祉呈负相关。无动机与过度消费呈正相关，与金融自我效能感和幸福感呈负相关。这些发现支持了SDT框架在该领域的相关性，并表明旨在促进金融知识和健康的干预措施可能通过采用循证策略来优化更多自主动机并解决无动机状态而受益。
