When financial and mental health issues intersect, the study and practice of financial therapy is warranted. The purpose of this study was to determine the extent to which the following two psychosocial constructs—financial knowledge and generalized anxiety—are associated with and related to risky financial management behavior. Research findings from a sample of 110 clients who sought services at an integrated service clinic suggest that anxiety and financial knowledge individually are significantly associated with financial behaviors. In addition, evidence suggests a moderating effect between anxiety and financial knowledge exists. The outcomes associated with this study can be used by not only financial therapists, but also mental health clinicians and financial professionals when developing, presenting, and implementing behaviorally focused treatments, interventions, and counseling recommendations within the professional’s scope of practice.

中文翻译：

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广泛性焦虑和财务知识对财务管理行为的调节作用

当财务和心理健康问题交叉时，财务治疗的研究和实践是有必要的。本研究的目的是确定以下两种心理社会结构——财务知识和广泛性焦虑——与风险财务管理行为相关的程度。来自在综合服务诊所寻求服务的 110 名客户样本的研究结果表明，焦虑和财务知识分别与财务行为显着相关。此外，有证据表明焦虑和金融知识之间存在调节作用。与本研究相关的结果不仅可供财务治疗师使用，还可供心理健康临床医生和财务专业人士在开发、展示、