Financial and Parental Stress as Predictors of Retirement Worry

Q4 Social Sciences

Journal of Financial Therapy Pub Date : 2019-01-01 DOI:10.4148/1944-9771.1165

H. Kiso, Annamaria L. Rudderow, Jen D. Wong

引用次数: 3

Abstract

While past studies have examined retirement planning, limited studies have investigated the role of parenthood and its influence on retirement worry. This study draws from three bodies of literature: saving for retirement, family stressors, and retirement worry. The purpose of this study was to identify key predictors of retirement worry in working-age adults with children. Specifically, it was of interest to consider child and family factors on retirement worry. A sample of 466 adults completed an online questionnaire. A hierarchical linear regression analysis was conducted. It was found that retirement planning measures (having clear goals and negative thoughts about retirement) as well as child and family stressors (childcare financial stress, negative work to family spillover, and having the child as a financial responsibility) predicted retirement worry. Study findings can inform programs and services aimed at assisting families in planning for retirement to avoid financial obstacles that could prevent future financial worries.

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经济和父母压力是退休担忧的预测因素

虽然过去的研究调查了退休计划，但有限的研究调查了父母的作用及其对退休担忧的影响。这项研究借鉴了三种文献:为退休储蓄、家庭压力源和退休担忧。本研究的目的是找出有孩子的工作年龄成年人退休担忧的关键预测因素。具体来说，考虑孩子和家庭因素对退休担忧的影响是有趣的。466名成年人完成了一份在线调查问卷。采用层次线性回归分析。研究发现，退休计划措施(对退休有明确的目标和消极的想法)以及孩子和家庭压力源(育儿经济压力、负面工作对家庭的溢出效应、把孩子作为经济责任)预测了退休担忧。研究结果可以为旨在帮助家庭规划退休以避免可能防止未来财务担忧的财务障碍的计划和服务提供信息。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Financial Therapy Economics, Econometrics and Finance-Finance

CiteScore

0.80

自引率

0.00%

发文量

审稿时长

29 weeks

期刊介绍： All manuscripts received are blind peer reviewed. Because of the clinical focus of the journal, authors are encouraged to address the conceptual methodology underlying the research and to describe the intervention methods employed. Although detailed reviews of literature are accepted, reviewers tend to appreciate manuscripts with a very strong introduction describing the purpose of the study, a well described conceptual framework, concise presentation of findings, and a thorough discussion of results that are applicable to practicing financial therapists, financial counselors, psychologists, marriage and family therapists, and others who regularly work in clinical settings. Topics of interest to readers and reviewers include: *Pre- and post-test analyses of counseling and financial therapy methods *Tests showing the effectiveness of financial education in changing both attitudes and behaviors *Financial therapy trends *Regulation of financial therapy *Ethical issues associated with financial therapy *Practice management techniques *Client assessment and management procedures *Employee counseling and therapy *Financial therapy research methodological and statistical procedures *Book reviews and letters The Journal of Financial Therapy is sponsored by the Financial Therapy Association and currently housed within the Institute of Personal Financial Planning at Kansas State University. The Journal provides a forum for those who are interested in financial therapy with a forum for sharing models, theory, ideas, strategies, and therapy approaches.