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    Financial behaviors, financial satisfaction, and goal attainment among college-educated young adults: A mediating analysis with latent change scores

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    Li Curran et al.pdf
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    Author
    Li, Xiaomin
    Curran, Melissa
    Serido, Joyce
    LeBaron-Black, Ashley B.
    Shim, Soyeon
    Zhou, Nan
    Affiliation
    University of Arizona
    Issue Date
    2021-09-23
    
    Metadata
    Show full item record
    Publisher
    Informa UK Limited
    Citation
    Li, X., Curran, M., Serido, J., LeBaron-Black, A. B., Shim, S., & Zhou, N. (2021). Financial behaviors, financial satisfaction, and goal attainment among college-educated young adults: A mediating analysis with latent change scores. Applied Developmental Science.
    Journal
    Applied Developmental Science
    Rights
    Copyright © 2021 Taylor & Francis Group, LLC.
    Collection Information
    This item from the UA Faculty Publications collection is made available by the University of Arizona with support from the University of Arizona Libraries. If you have questions, please contact us at repository@u.library.arizona.edu.
    Abstract
    The aim of the study is to investigate how 2,084 U.S. college-educated young adults (61.9% female, and 69.5% non-Hispanic White) navigated the goal attainment process during the transition to adulthood. Using four-wave data collected across eight years, we examined how financial behaviors (self-regulating behaviors) predicted both depressive symptoms (affective goal attainment evaluations) and financial obstacles to goal attainment (cognitive goal attainment evaluations) via financial satisfaction (resources). Given the variability in developmental trajectories (i.e., initial levels and rates of over-time changes) among young adults, we conducted an exploratory mediational analysis with Latent Change Scores. The results revealed indirect-only mediation patterns, and 8 of 16 (50%) indirect effects via financial satisfaction were statistically significant. Collectively, we identified the salient roles of financial behaviors and financial satisfaction among young adults who pursued and attained life goals amid the financial difficulties during the 2007–2009 Great Recession. Our findings should be informative for promoting desired development among the current generation of young adults who were pursuing goals during the financial recession, primarily by indicating the necessity in implementing financial education and providing financial resources for young adults.
    Note
    12 month embargo; published online: 23 September 2021
    ISSN
    1088-8691
    EISSN
    1532-480X
    DOI
    10.1080/10888691.2021.1976182
    Version
    Final accepted manuscript
    ae974a485f413a2113503eed53cd6c53
    10.1080/10888691.2021.1976182
    Scopus Count
    Collections
    UA Faculty Publications

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