Population studies show the importance of active aging for maintaining cognitive health, but much of the research has focused on episodic memory and verbal skills. Aging and ability to make rational intertemporal financial decisions is less understood, despite its critical role in consumer finance. This study describes the relationship between age, retirement, and intertemporal decision ability. A survey of adults examines the interplay of aging and retirement related to completing simple calculations with time trade-offs in benefits. A negative association between intertemporal skills and age is indicated, with a sharp downward inflection around age 66. Regression analysis results in a significant, negative retirement-age interaction term. This research has implications for policy and consumer decision-making. The negative relationship of age and retirement status may suggest limits to career extension, or alternatively, that extending some types of careers could provide cognitive benefits. Further research is needed to understand the direction of causality.

中文翻译：

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研究笔记：年龄、退休和跨期资源决策能力

人口研究表明积极老龄化对维持认知健康的重要性，但大部分研究都集中在情景记忆和语言技能上。尽管老龄化和做出合理跨期金融决策的能力在消费金融中发挥着关键作用，但人们对其了解较少。本研究描述了年龄、退休和跨期决策能力之间的关系。一项针对成年人的调查研究了与完成简单计算和福利时间权衡相关的老龄化和退休之间的相互作用。表明跨期技能和年龄之间存在负相关，在 66 岁左右急剧下降。回归分析导致显着的负退休年龄交互项。这项研究对政策和消费者决策有影响。年龄和退休状态的负相关关系可能表明对职业扩展的限制，或者，扩展某些类型的职业可以提供认知益处。需要进一步研究以了解因果关系的方向。