Financial identity formed during emerging adulthood is important for the regulation of youth financial behaviors, decisions, and long-term financial goals. This three-wave short-term longitudinal study investigates how youth develop a distinct manner of approaching and managing personal finances and reveals the structure and dynamics of financial identity development during emerging adulthood. Using the cross-lagged panel model analysis, it also investigates longitudinal reciprocal associations between financial identity processes, financial behaviors, and financial well-being of emerging adults. The sample consists of 533 Lithuanian higher education students (56.8% women; M _age = 18.93, SD _age = 0.71) who took part in three assessment waves. The findings support the use of the three-factor model of financial identity formation and show that financial identity formation is shaped by emerging adults’ financial situation and contribute to the formation of financial behaviors and financial well-being. Practical implications of study results are also discussed.

在成年后形成的财务身份对于调节青少年的财务行为，决策和长期财务目标很重要。这项为期三波的短期纵向研究探讨了青年如何发展处理和管理个人理财的独特方式，并揭示了在成年期成年后金融身份发展的结构和动态。使用交叉滞后的面板模型分析，它还研究了新兴成年人的财务身份过程，财务行为和财务幸福之间的纵向相互关系。该样本包括533名立陶宛高等教育学生（56.8％的女性；M _年龄= 18.93，SD _年龄）= 0.71）参加了三个评估波。研究结果支持使用金融身份形成的三因素模型，并表明金融身份形成受新兴成年人的财务状况影响，并有助于财务行为和财务福祉的形成。还讨论了研究结果的实际意义。