{"title":"Financial Well-Being in Older Adults: A Machine Learning Analysis of 47 Potential Predictors.","authors":"Mohsen Joshanloo","doi":"10.1177/07334648251386155","DOIUrl":null,"url":null,"abstract":"<p><p>This study examined potential predictors of financial well-being in older adults. Data were drawn from the Health and Retirement Study, focusing on psychosocial, demographic, and lifestyle variables. Random Forest analysis was performed to assess the relative importance of 47 potential predictors, offering a data-driven evaluation of which factors are most strongly associated with subjective financial well-being. Results showed that psychological variables (particularly chronic stress, life satisfaction, perceived control, and optimism) were stronger predictors than demographic indicators. Among demographic variables, education was the most important. The results suggest that financial well-being reflects individuals' ability to maintain a sense of satisfaction, optimism, and agency in the face of life challenges, rather than being determined solely by economic or demographic conditions.</p>","PeriodicalId":47970,"journal":{"name":"Journal of Applied Gerontology","volume":" ","pages":"7334648251386155"},"PeriodicalIF":2.0000,"publicationDate":"2025-10-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Applied Gerontology","FirstCategoryId":"3","ListUrlMain":"https://doi.org/10.1177/07334648251386155","RegionNum":3,"RegionCategory":"医学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"GERONTOLOGY","Score":null,"Total":0}
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Abstract
This study examined potential predictors of financial well-being in older adults. Data were drawn from the Health and Retirement Study, focusing on psychosocial, demographic, and lifestyle variables. Random Forest analysis was performed to assess the relative importance of 47 potential predictors, offering a data-driven evaluation of which factors are most strongly associated with subjective financial well-being. Results showed that psychological variables (particularly chronic stress, life satisfaction, perceived control, and optimism) were stronger predictors than demographic indicators. Among demographic variables, education was the most important. The results suggest that financial well-being reflects individuals' ability to maintain a sense of satisfaction, optimism, and agency in the face of life challenges, rather than being determined solely by economic or demographic conditions.
期刊介绍：
The Journal of Applied Gerontology (JAG) is the official journal of the Southern Gerontological Society. It features articles that focus on research applications intended to improve the quality of life of older persons or to enhance our understanding of age-related issues that will eventually lead to such outcomes. We construe application broadly and encourage contributions across a range of applications toward those foci, including interventions, methodology, policy, and theory. Manuscripts from all disciplines represented in gerontology are welcome. Because the circulation and intended audience of JAG is global, contributions from international authors are encouraged.
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