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Can We Talk About Money? Financial Socialization Through Parent–Child Financial Discussion
Emerging Adulthood ( IF 1.830 ) Pub Date : 2020-02-10 , DOI: 10.1177/2167696820902673
Ashley B. LeBaron 1 , Loren D. Marks 2 , Christina M. Rosa 3 , E. Jeffrey Hill 2
Affiliation  

This multigenerational, qualitative research study explores family financial discussion processes that may lead to better financial preparation for emerging adults. Interviews were conducted with 90 emerging adults from three universities as well as 17 of their parents and 8 of their grandparents. Qualitative analyses revealed two major themes associated with family financial discussion processes. In parent-initiated discussions, principles were taught primarily through vertically structured (top-down) delivery. Three concepts reported across all three generations of respondents included (a) sharing financial experiences, (b) involving children in decisions, and (c) engaging in age-appropriate conversations. In child-initiated discussions, analyses revealed that financial principles were often taught in interactive, conversational, horizontal, and organic ways. Analyses identified two recurring concepts or contexts: (a) children asking financial questions and (b) child-initiated, age-appropriate conversations. These results highlight healthy processes for family financial discussion that may better prepare emerging adults for financial adulthood and reduce financial instability.

中文翻译:

我们可以谈论金钱吗?通过亲子财务讨论进行财务社会化

这项多代,定性的研究探讨了家庭财务讨论过程,这些过程可能会为新兴成年人提供更好的财务准备。对来自三所大学的90名新兴成年人以及他们的17名父母和8名祖父母进行了访谈。定性分析揭示了与家庭财务讨论过程相关的两个主要主题。在家长发起的讨论中,原则主要通过垂直结构化(自上而下)的交付进行讲授。在三代受访者中报告的三个概念包括:(a)分享财务经验,(b)让孩子参与决策,以及(c)进行适合年龄的对话。在由儿童发起的讨论中,分析表明,财务原理通常以互动,对话,横向,和有机方式。分析确定了两个重复出现的概念或环境:(a)儿童提出财务问题,以及(b)儿童发起的,适合年龄的对话。这些结果突出了家庭财务讨论的健康过程,可以更好地为新兴成年人做好财务成年的准备,并减少财务不稳定。
更新日期:2020-02-10
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