Emerging adulthood is a period of time from the late teens through late twenties, when individuals are facing major life transitions and decisions, with significant focus on becoming independent. This push for independence includes financial independence, a key characteristic of adulthood. The current article utilizes identity capital theory to guide and help explain the processes of obtaining financial independence in emerging adulthood. In contrast to older generations, current emerging adults are postponing many major life decisions considered to be adult behaviors, such as starting a career, getting married, and having children, which, in turn, ultimately extends the period of adult identity formation through independence, namely financial independence. Due to the importance of becoming financially independent, research should focus on examining the processes emerging adults take in gaining a sense of financial well-being and independence, and how clinicians can aid in this process. This conceptual model was created in the interest of identifying implications for therapy and identifying the mechanisms to promote independence in identify formation within an inclusive therapeutic practice.

中文翻译：

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我和我的钱：通过身份资本理论的概念模型在成年期获得财务独立

成年期是从十几岁到二十几岁的一段时期，当个人面临重大的生活转变和决定时，特别关注变得独立。这种对独立的推动包括经济独立，这是成年的一个关键特征。当前文章利用身份资本理论来指导和帮助解释在新兴成年期获得财务独立的过程。与老一辈相比，当前的新兴成年人正在推迟许多被认为是成年人行为的重大人生决定，例如开始职业、结婚和生孩子，这反过来最终通过独立延长了成人身份形成的时期，即财务独立。由于经济独立的重要性，研究应侧重于研究新兴成年人获得财务福祉和独立感的过程，以及临床医生如何在此过程中提供帮助。创建这个概念模型是为了确定对治疗的影响，并确定在包容性治疗实践中促进识别形成的独立性的机制。