Financial literacy and financial experience may be important for understanding age differences in financial decisionmaking. Older adults generally have more financial experience than younger adults do, and some studies suggest they also have better financial literacy. We investigated associations among age (N = 594, aged 20–88, M _age = 46.48), financial experience, financial literacy, and preferences for receiving larger (versus smaller) amounts of money sooner (versus later). Older age was correlated with preferences for receiving larger amounts of money sooner and smaller amounts later, but this association was no longer significant after accounting for financial experience and financial literacy. Financial experience was the only significant contributor. We discuss implications for improving financial decision-making across adulthood.

金融知识和金融经验对于理解金融决策中的年龄差异可能很重要。老年人通常比年轻人拥有更多的金融经验，一些研究表明他们也有更好的金融知识。我们调查了年龄（间的关联ñ = 594，20-88岁，中号 _年龄= 46.48）、金融经验、金融知识，以及更早（与更晚）收到更多（与更少）金额的偏好。年龄越大，越喜欢越早收钱，越晚收钱越少，但在考虑了金融经验和金融知识后，这种关联不再显着。财务经验是唯一重要的贡献者。我们讨论了改善整个成年期财务决策的影响。