This article investigate the relationship between financial distress, well-being and employment status. Using several indicators of financial distress and of well-being, our econometric analysis shows that the negative association between financial distress and well-being is moderated by employment status in the sense that financial problems are more strongly associated with poor well-being for the self-employed compared to the wage-employed. Hence, when self-employed workers find themselves in a situation of financial distress, the negative consequences for their well-being are more severe. This is found to hold both for the self-employed with and without employees.

中文翻译：

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财务困境与福祉之间的关系：探索个体经营的作用

本文研究财务困境，幸福感与就业状况之间的关系。通过对财务困境和幸福感的几个指标的分析，我们的计量经济学分析表明，财务状况与幸福感之间的负相关性受就业状况的影响，因为财务问题与自我幸福感更强相关就业与就业相比。因此，当自雇工人发现自己陷入财务困境时，对他们的幸福带来的负面影响更加严重。发现这对于有雇员和无雇员的自雇人士都成立。