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Becoming self-sufficient: a longitudinal person-centered analysis of financial identity and adult status during emerging adulthood
Applied Developmental Science ( IF 5.500 ) Pub Date : 2022-02-15 , DOI: 10.1080/10888691.2022.2035224
Joyce Serido 1 , Angela Sorgente 2 , Margherita Lanz 2 , Soyeon Shim 3
Affiliation  

ABSTRACT

Because finances play an important part in managing the demands of adult social roles, we investigate the formation of financial identity and its association with perceived adult status. Drawing from Marcia’s (1966) operationalization of four identity statuses (i.e., foreclosed, achieved, diffused, moratorium) and adapted to the financial domain, we performed Latent Transition Analysis (LTA) using longitudinal data gathered from a cohort of college students in the United States at four time points (N = 672) covering an eight-year period (2008–2016). A key study finding is empirical directional evidence of financial identity as a predictor of adult status. In addition, findings show that, over time, individuals commit more strongly to a certain financial identity, which may in turn factor significantly in the process of achieving adult self-sufficiency. Finally, we distinguish three distinct financial identity profiles based on the way that participants made decisions related to financial matters during the transition to adulthood.



中文翻译:

变得自给自足:以人为中心的对新兴成年期财务身份和成人状态的纵向分析

摘要

由于财务在管理成人社会角色的需求方面发挥着重要作用,因此我们调查了财务身份的形成及其与感知成人身份的关联。借鉴 Marcia (1966) 对四种身份状态(即取消抵押品赎回权、实现、扩散、暂停)并适应金融领域的操作化,我们使用从美国大学生队列中收集的纵向数据进行了潜在转变分析 (LTA)四个时间点 (N = 672) 的状态,涵盖八年期间 (2008-2016)。一个关键的研究发现是财务身份作为成人身份预测指标的经验定向证据。此外,调查结果表明,随着时间的推移,个人对某种财务身份的承诺会更加强烈,这反过来可能会在实现成人自给自足的过程中发挥重要作用。最后,我们根据参与者在向成年过渡期间做出与财务事项相关的决策的方式,区分了三种不同的财务身份特征。

更新日期:2022-02-15
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