The focus of this exploratory study was to identify reasons why married individuals commit financial infidelity. Quantitative and qualitative methods were used to identify types of financial infidelity and other deceitful behaviors that occur in married relationships. This research also focused on establishing categories for conflict in the home and other secret information aside from financial infidelity. In addition to quantitative responses, a content analysis of open-ended survey questions was used to identify and code categories and themes in the written data (Strauss and Corbin in Basics of qualitative research: grounded theory procedures and techniques, Sage, Newbury Park 1990). Two primary categories emerged that identify why married individuals commit financial infidelity: avoiding an argument and spending on self. In addition to the 10 categories of financial conflict published in Jeanfreau et al. (J Financ Ther 9(1):1–20, 2018), two additional categories emerged from the qualitative data: other debt and recreational purchases. Three categories and ten themes of secret information included: gone somewhere (food and friends, routine events, adult time), spent time with someone (work friends, friends, exes/affair partners), and additional secrets (not keeping secrets, health related information, ending the relationship, information related to exes or affair partners). Aside from financial issues, participants reported four categories of issues that caused the most conflict: time together, communication, health related issues, and extended family problems. Finally, the majority of participants reported sharing financial decisions with his or her spouse, having joint bank accounts and sharing expenses, and paying bills collaboratively. Findings highlight the need for marriage and family therapists to address healthy communication practices regarding finances and money management.

中文翻译：

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我们的钱，我的秘密：为什么已婚人士会在财务上出轨

这项探索性研究的重点是确定已婚人士财务不忠的原因。使用定量和定性方法来确定婚姻关系中发生的财务不忠和其他欺骗行为的类型。这项研究还侧重于建立家庭冲突和除财务不忠之外的其他秘密信息的类别。除了定量回答外，还使用开放式调查问题的内容分析来识别和编码书面数据中的类别和主题（Strauss 和 Corbin，定性研究基础：扎根理论程序和技术，Sage，Newbury Park 1990） . 出现了两个主要类别来确定已婚人士为何会在经济上不忠：避免争吵和为自己花钱。除了 Jeanfreau 等人发表的 10 类金融冲突之外。（J Financ Ther 9(1):1–20, 2018），定性数据中出现了另外两个类别：其他债务和娱乐性购买。秘密信息的三个类别和十个主题包括：去某个地方（食物和朋友、日常活动、成人时间）、与某人共度时光（工作朋友、朋友、前任/外遇伙伴）和其他秘密（不保守秘密、健康相关）信息、结束关系、与前任或外遇伙伴有关的信息）。除了财务问题，参与者还报告了导致冲突最多的四类问题：相处时间、沟通、健康相关问题和大家庭问题。最后，大多数参与者报告说与他或她的配偶分享财务决策，拥有联合银行账户和分摊费用，并协同支付账单。调查结果强调婚姻和家庭治疗师需要解决有关财务和资金管理的健康沟通实践。