Using two waves of data from the Family Exchanges Study (2008 and 2013), this study examined changes in financial problems before and after the Great Recession and investigated the implications for adults’ depressive symptoms and relationship quality with parents. Participants in established adulthood (N = 170, age 30–46 in 2013) provided information about their financial difficulties and depressive symptoms, as well as negative relationship quality with each parent (parent–child tie; N = 316) at baseline and 5 years later. Results showed that a growing number of participants experienced financial problems between the two waves, rising from 16 to 72% of participants. Moreover, 14% of participants indicated continuing financial problems and 33% reported decreased income over the 5 year observation period. Financial problems at baseline, continuing financial problems across the observation period, and decreased income over time were associated with participants’ increased depressive symptoms, after controlling for their baseline depressive symptoms. Results from multilevel models also revealed that adult participants had more strained relationships with their parents if they experienced more financial problems at the follow-up interview. The harmful effect of financial problems on relationship quality with parents was partially explained by adult participants’ depressive symptoms. Findings of this study highlight the important role of financial hardship for persons in established adulthood and their intergenerational ties.

本研究利用家庭交流研究的两波数据（2008 年和 2013 年），考察了大衰退前后财务问题的变化，并调查了其对成年人抑郁症状和与父母关系质量的影响。已成年的参与者（ N = 170，2013 年年龄为 30-46 岁）提供了有关其经济困难和抑郁症状的信息，以及基线和 5 年时与父母双方的负面关系质量（亲子关系； N = 316）之后。结果显示，在两波浪潮之间，越来越多的参与者遇到了财务问题，从 16% 上升到 72%。此外，14% 的参与者表示持续存在财务问题，33% 的参与者表示在 5 年观察期内收入减少。在控制基线抑郁症状后，基线时的财务问题、整个观察期间持续的财务问题以及随着时间的推移收入下降与参与者的抑郁症状增加有关。多层次模型的结果还显示，如果成年参与者在后续访谈中遇到更多的经济问题，他们与父母的关系就会更加紧张。成年参与者的抑郁症状部分解释了经济问题对与父母的关系质量的有害影响。这项研究的结果强调了经济困难对于已成年的人及其代际关系的重要作用。