The present study tested the Gudmunson and Danes (2011) family financial socialization model (FFSM) using three waves of longitudinal data gathered from a college cohort of emerging adults in the United States. Specifically, we aimed to test the validity of this model in emerging adulthood (Aim 1), to verify whether the effect of the parent's socialization on a child's end financial outcome is mediated by intermediary financial outcomes (Aim 2), and to verify whether the effects found when testing the FFSM are stable across time points (Aim 3). Our findings indicate that of eight paths in the model between family socialization processes and financial socialization outcomes, seven paths were significant, thereby lending support for the validity of FFSM in emerging adulthood (Aim 1). Second, we found no mediation effects of parental financial socialization on emerging adult financial behavior and well-being via the internalization of parents' beliefs, values, and practices (Aim 2). We offer plausible explanations for this result. Last, we verified that the financial socialization processes and their effects are generally invariant across the beginning, the middle, and the end of the emerging adulthood (Aim 3). We interpret our findings in the context of the extant literature on emerging adults' transition to adult independence and provide insights for practice. (PsycInfo Database Record (c) 2023 APA, all rights reserved).

中文翻译：

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成年初期的家庭财务社会化：来自交叉滞后面板模型的见解。

本研究使用从美国新兴成年人大学群体收集的三波纵向数据测试了 Gudmunson 和 Danes（2011）的家庭财务社会化模型（FFSM）。具体来说，我们的目的是测试该模型在成年初期的有效性（目标 1），验证父母的社会化对孩子最终财务结果的影响是否由中间财务结果介导（目标 2），并验证父母的社会化是否通过中介财务结果来调节。测试 FFSM 时发现的效果在不同时间点上是稳定的（目标 3）。我们的研究结果表明，在家庭社会化过程和金融社会化结果之​​间的模型中的八条路径中，有七条路径很重要，从而为 FFSM 在成年初期的有效性提供了支持（目标 1）。其次，我们发现父母的财务社会化没有通过父母信念、价值观和实践的内化对新兴成人财务行为和福祉产生中介作用（目标2）。我们对此结果提供了合理的解释。最后，我们验证了金融社会化过程及其影响在成年初期、中期和末期通常是不变的（目标 3）。我们在现有关于新兴成年人向成人独立过渡的文献的背景下解释了我们的发现，并为实践提供了见解。（PsycInfo 数据库记录 (c) 2023 APA，保留所有权利）。