Emerging adults lack many basic financial capabilities. To avoid conflict that may come from these deficiencies, some emerging adults may financially deceive their romantic partner. However, little is known about financial deception in emerging adult romantic relationships. Through the lenses of two theoretical frameworks, we test whether financial deception intervenes the associations of couple financial communication, financial socialization, and similarity of financial values with romantic relationship flourishing in a sample of 1,950 U.S. emerging adults. Results indicate that couple financial communication, similarity of financial values, and financial socialization may contribute positively toward romantic relationship flourishing. However, financial socialization and financial deception may contribute negatively toward romantic relationship flourishing. Findings are discussed in light of the theoretical frameworks utilized, implications for clinicians and educators are identified, and directions for future research are presented. In summary, being less than fully honest about finances may have implications for emerging adults in romantic relationships.

中文翻译：

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不完全诚实：新兴成人恋爱关系中的财务欺骗

新兴成年人缺乏许多基本的财务能力。为了避免这些缺陷可能引起的冲突，一些新兴成年人可能会在经济上欺骗他们的浪漫伴侣。然而，人们对新兴成人恋爱关系中的财务欺骗知之甚少。通过两个理论框架的视角，我们以 1,950 名美国新兴成年人为样本，检验金融欺骗是否会干预夫妻金融交流、金融社会化和金融价值观相似性与浪漫关系蓬勃发展的关联。结果表明，夫妻财务沟通、财务价值观的相似性和财务社会化可能对浪漫关系的繁荣做出积极贡献。然而，金融社会化和金融欺骗可能对浪漫关系的繁荣产生负面影响。根据所使用的理论框架讨论了研究结果，确定了对临床医生和教育工作者的影响，并提出了未来研究的方向。总之，对财务状况不够诚实可能会对恋爱关系中的新兴成年人产生影响。