Economic decisions frequently entail choices in the presence of risk. Decisions to purchase insurance, to save, to invest, and to pursue an education are all choices that may involve some degree of risk, just to name a few. We analyze the impact of changes in family structure on individuals' willingness to take risk (WTR). We find evidence that separating from a partner is associated with an increase in the WTR; while the birth of a first child is associated with a decrease in the WTR. Interestingly, these changes are temporary and the WTR returns to the level observed before the family event within 1–2 years following the event. Married individuals are more risk averse and this does not change with the passage of time of the actual wedding. Providing long term care is also associated with a higher WTR.

中文翻译：

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家庭变化和冒险意愿

经济决策经常需要在存在风险的情况下做出选择。购买保险、储蓄、投资和接受教育的决定都是可能涉及一定程度风险的选择，仅举几例。我们分析了家庭结构变化对个人冒险意愿（WTR）的影响。我们发现有证据表明与伴侣分离与 WTR 的增加有关；而第一个孩子的出生与 WTR 的下降有关。有趣的是，这些变化是暂时的，WTR 在事件发生后的 1-2 年内恢复到家庭事件之前观察到的水平。已婚人士更厌恶风险，这不会随着实际婚礼时间的推移而改变。提供长期护理也与更高的 WTR 相关。