Utilizing a sample of 4182 U.S. emerging adults and structural equation modeling, we examined how parent financial socialization received during childhood and adolescence is associated with mental health in emerging adulthood and whether locus of control is an intervening variable. Financial socialization was negatively associated with anxiety and depressive symptoms, and positively associated with life satisfaction. Indirect pathways were found through locus of control. That is, emerging adults who had received better financial socialization were more likely to report an internal locus of control and thus were less likely to be experiencing anxiety and depressive symptoms and more likely to be satisfied with life. These findings provide educators with further evidence of the importance of parent financial socialization, being associated with not only financial health but also mental health. Clinicians of emerging adults may consider financial education and internal locus of control development as intervention points for mental health improvement.

利用 4182 名美国新兴成年人的样本和结构方程模型，我们研究了儿童和青春期接受的父母财务社会化如何与成年后的心理健康相关，以及控制点是否是一个干预变量。金融社会化与焦虑和抑郁症状呈负相关，与生活满意度呈正相关。通过控制位点发现了间接途径。也就是说，接受更好金融社会化的新兴成年人更有可能报告内部控制点，因此不太可能出现焦虑和抑郁症状，更有可能对生活感到满意。这些发现为教育工作者提供了进一步证明父母财务社会化重要性的证据，不仅与财务健康有关，而且与心理健康有关。新兴成年人的临床医生可能会将金融教育和控制发展的内部轨迹视为改善心理健康的干预点。