The purpose of this study is to construct a conceptual framework and examine the relationships between perceived financial capability, financial stressors, financial advice-seeking behavior, and short-and long-term financial behaviors. Furthermore, this study examines whether there exists an age difference in these relationships. Using the 2012 National Financial Capability Study, this paper suggests that perceived financial capability is positively associated with advice-seeking behavior, and short- and long-term desired financial behaviors. Further, financial stressors are negatively associated with financial behaviors, but positively associated with financial advice-seeking behavior. Seeking professional advice is positively associated with short- and long-term financial behavior and mediates the relationship between financial stressors and financial behaviors. A positive association is observed between short-term and long-term financial practice. Moreover, socio-demographic characteristics are also examined, including observations about age differences in the proposed relationships. Implications for consumers, financial practitioners, and policymakers are also discussed.

这项研究的目的是构建一个概念框架，并检查感知到的财务能力，财务压力源，寻求财务建议的行为以及短期和长期财务行为之间的关系。此外，本研究检查了这些关系中是否存在年龄差异。本文使用《 2012年国家金融能力研究》表明，感知的金融能力与寻求建议的行为以及短期和长期期望的金融行为呈正相关。此外，财务压力源与财务行为负相关，但与寻求财务建议的行为正相关。寻求专业建议与短期和长期财务行为成正比，并介导财务压力源和财务行为之间的关系。短期和长期财务实践之间存在正相关关系。此外，还检查了社会人口统计学特征，包括关于所提议关系中年龄差异的观察。还讨论了对消费者，金融从业人员和政策制定者的影响。