Maynard Madison, Flores Emily V, Paulson Daniel, Lichtenberg Peter A, Ng Boon Peng
Department of Psychology, University of Central Florida, Orlando, Florida, USA.
Institute of Gerontology, Wayne State University, Detroit, Michigan, USA.
Clin Gerontol. 2025 May-Jun;48(3):440-448. doi: 10.1080/07317115.2024.2393761. Epub 2024 Aug 20.
The 6-item Perceived Financial Vulnerability (PFV) scale assesses awareness and psychological vulnerability regarding finances. Prior findings using the Health and Retirement Study (HRS) identified significant associations of PFV with wealth, demographics, and health status. This study examines the relationship between wealth, changes in wealth, and PFV.
Data from HRS respondents were analyzed ( = 1,056). Total assets at baseline (2016) and changes in total assets over two waves (2016 to 2018) were stratified into deciles and used as primary predictors of PFV in 2018. Multiple linear regression models examined the influence of demographics, wealth change (linearly and curvilinearly), and baseline wealth on PFV.
Wealth change and baseline wealth were associated with PFV. When controlled for baseline wealth, wealth loss linearly predicted increased PFV.
These findings support the utility of the PFV. Findings underscore the importance of integrating multifaceted financial and demographic information when conceptualizing subjective financial welfare.
Financial wellbeing is crucial in older clients and should be assessed over time. The 6-item PFV effectively evaluates contextual aspects of financial decision-making across socioeconomic statuses, making it valuable for clinical assessments.
6项感知财务脆弱性（PFV）量表评估对财务的认知和心理脆弱性。先前使用健康与退休研究（HRS）的研究结果表明，PFV与财富、人口统计学特征和健康状况之间存在显著关联。本研究考察财富、财富变化与PFV之间的关系。
对HRS受访者的数据进行分析（n = 1056）。将基线（2016年）时的总资产以及两期（2016年至2018年）间总资产的变化分为十分位数，并用作2018年PFV的主要预测指标。多元线性回归模型考察了人口统计学特征、财富变化（线性和曲线性）以及基线财富对PFV的影响。
财富变化和基线财富与PFV相关。在控制基线财富后，财富损失线性预测PFV增加。
这些发现支持PFV的效用。研究结果强调在概念化主观财务福利时整合多方面财务和人口统计学信息的重要性。
财务福祉在老年客户中至关重要，应随时间进行评估。6项PFV有效地评估了不同社会经济地位下财务决策的背景因素，对临床评估具有重要价值。
