The current research extends the time perspective literature by exploring the relationships between time perspectives and financial outcomes across several adult age groups. In combining various demographically diverse samples, our study includes a total of 9,065 adults that completed some form of the Zimbardo Time Perspective Inventory (ZTPI). We found that people who are Future-oriented tend to have more responsible financial lifestyles. On the other hand, Past-Negative, Present-Hedonism, and Past-Fatalism orientations are associated with more detrimental financial lifestyles. Thus, the greater the deviation from a balanced time perspective middle-aged adults were, the (1) more they reported being materialistic, (2) more impulsive, compulsive, and conspicuous they were when shopping, and (3) less financially secure they felt. Also, our mediation models revealed that increased impulsive buying, compulsive buying, and conspicuous consumption partially mediated the negative relation between Past-Negative and financial security. However, decreased conspicuous consumption partially mediated the positive relation between Future and financial risk tolerance. We discuss potential ways to shape individual time perspectives, the developmental implications for time perspectives, consumer profiles, and well-being, as well as limitations.

当前的研究通过探索几个成人年龄组的时间观点与财务成果之间的关系，扩展了时间观点的文献。在结合各种人口统计学上不同的样本时，我们的研究包括总共9,065名成年人，这些成年人完成了某种形式的《津巴多时间透视表》（ZTPI）。我们发现，面向未来的人们倾向于拥有更负责任的金融生活方式。另一方面，过去消极，现在享乐主义和过去致命主义的倾向与更有害的金融生活方式有关。因此，从平衡时间的角度来看，中年成年人的偏差越大，（1）他们报告的更加物有所值；（2）他们在购物时更加冲动，强迫和显眼；（3）他们的财务安全性较低毡。也，我们的调解模型显示，冲动性购买，强迫性购买和炫耀性消费的增加部分地弥补了过去负面影响与金融安全之间的负面关系。但是，炫耀性消费的减少部分地调节了Future与金融风险承受能力之间的正相关关系。我们讨论了塑造个人时间观点的潜在方式，时间观点的发展意义，消费者概况和福祉以及局限性。