This paper investigates high-performance athletes’ development of their financial literacy and self-management skills and the related organisational support available to them during their athletic careers. The data were collected from 20 retired high-performance athletes (10 male and 10 female) representing six different countries (Japan, Mexico, Portugal, Singapore, South Korea, and the UK). Thematic analysis was applied to the processing of the data and five themes emerged: (1) Funding battles: financial challenges and misjudgements; (2) Coping Strategies; (3) Support from sponsors, parents, and sport organisations; (4) Development of Financial Literacy; and (5) Life After Sport. The data indicates that athletes experienced financial challenges due to a lack of organisational support, reduced or terminated funding, and limited opportunities to access sponsorship. Typically, athletes developed their financial literacy and self-management skills by ‘self-help’ or ‘trial and error’. The findings contribute to both literature and practice by providing empirical evidence on the coping strategies adopted by athletes in order to overcome financial challenges and on the methods used in order to develop their financial literacy and self-management skills. These findings inform sport organisations and governing bodies to develop support schemes for high-performance athletes as well as deepen our knowledge of athletes’ career development and transitions focusing on the financial aspect.

中文翻译：

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“我的运动不会永远支付账单”：高绩效运动员对财务知识和自我管理的需求

本文调查了高绩效运动员的财务素养和自我管理技能的发展，以及他们在运动生涯中可获得的相关组织支持。这些数据是从代表六个不同国家（日本、墨西哥、葡萄牙、新加坡、韩国和英国）的 20 名退役高性能运动员（10 名男性和 10 名女性）收集的。将主题分析应用于数据处理，出现了五个主题：（1）资金战：财务挑战和误判；(2) 应对策略；(3) 赞助商、家长和体育组织的支持；(4) 金融素养的培养；(5) 运动后的生活。数据表明，由于缺乏组织支持、资金减少或终止，运动员面临财务挑战，和获得赞助的机会有限。通常，运动员通过“自助”或“试错”来发展他们的金融知识和自我管理技能。通过提供关于运动员为克服财务挑战而采用的应对策略以及用于培养他们的财务知识和自我管理技能的方法的经验证据，这些发现有助于文献和实践。这些调查结果告知体育组织和管理机构为高绩效运动员制定支持计划，并加深我们对运动员职业发展和转型的了解，重点关注财务方面。通过提供关于运动员为克服财务挑战而采用的应对策略以及用于培养他们的财务知识和自我管理技能的方法的经验证据，这些发现有助于文献和实践。这些调查结果告知体育组织和管理机构为高绩效运动员制定支持计划，并加深我们对运动员职业发展和转型的了解，重点关注财务方面。通过提供关于运动员为克服财务挑战而采用的应对策略以及用于培养他们的财务知识和自我管理技能的方法的经验证据，这些发现有助于文献和实践。这些调查结果告知体育组织和管理机构为高绩效运动员制定支持计划，并加深我们对运动员职业发展和转型的了解，重点关注财务方面。