This study examines the relationships among personality traits, financial responsibility, perceived financial capability, and subjective well-being for young adults. Using an integrated approach and a theoretically grounded conceptual framework, a structural model is constructed. This study uses the 2015 Transition into Adulthood Supplemental dataset. The results show that (1) perceived financial capability and personality traits were significantly associated with subjective well-being, (2) financial responsibility, extroversion, conscientiousness, and neuroticism personality traits were associated with perceived financial capability, and (3) extroversion, conscientiousness, and neuroticism were significantly associated with financial responsibility. The same structural model is tested with two racial groups. This additional analysis shows differences in the proposed relationships between non-Hispanic Black and White young respondents. The findings provide a better understanding of the racial differences in the roles played by personality traits, financial responsibility, and perceived financial capability in the subjective well-being of young adults. Implications for researchers, financial counselors, and educators working with young adults are included.

这项研究检查了年轻人的性格特征，财务责任，感知的财务能力和主观幸福感之间的关系。使用集成方法和理论基础的概念框架，构建了结构模型。本研究使用了2015年过渡到成人补充数据集。结果表明：（1）感知的财务能力和人格特质与主观幸福感显着相关；（2）财务责任，性格外向，良心和神经质人格特质与感知的财务能力相关；（​​3）外向型，尽责性和神经质与财务责任显着相关。使用两个种族测试了相同的结构模型。这项额外的分析表明，非西班牙裔黑人和白人年轻受访者之间的拟议关系存在差异。研究结果更好地理解了人格特质，财务责任和感知的财务能力在年轻人主观幸福感中所起作用的种族差异。包括对与年轻人一起工作的研究人员，财务顾问和教育工作者的启示。