The Cognitive Correlates of Financial Literacy in Older Adults.

IF 2.6 3区医学 Q3 GERIATRICS & GERONTOLOGY

Clinical Gerontologist Pub Date : 2025-05-01 Epub Date: 2023-05-29 DOI:10.1080/07317115.2023.2217190

Gali H Weissberger, Annie L Nguyen, Aaron C Lim, Laura Fenton, Laura Mosqueda, S Duke Han

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引用次数: 0

Abstract

Objectives: This study examined the cognitive correlates of financial literacy using a comprehensive neuropsychological battery, and whether education modifies the relationship between cognition and financial literacy.

Methods: Sixty-six participants completed sociodemographic questionnaires, an assessment of financial literacy, and a neuropsychological assessment. Multiple linear regression models that controlled for age, sex, and education examined the main effects of cognitive measures that showed a significant bivariate association with financial literacy.

Results: After correcting for multiple comparisons, the Crystallized Composite score (p = .002) and the Picture Vocabulary test (p = .002) from the NIH Toolbox, and the Multilingual Naming Test (p > .001) from the Uniform Data Set 3 were associated with financial literacy. Contrary to our hypothesis, education did not interact with cognitive measures when considering financial literacy scores.

Conclusions: Findings suggest that vocabulary knowledge and semantic memory may play an important role in financial literacy in older age.

Clinical implications: Assessing vocabulary knowledge and semantic processes may help to identify older adults with lower financial literacy skills. Additionally, financial literacy interventions may consider targeting individuals with lower vocabulary knowledge and semantic processing skills.

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老年人金融知识的认知相关性研究。

目的:本研究使用综合神经心理学电池来检验金融素养的认知相关性，以及教育是否会改变认知与金融素养之间的关系。方法:66名参与者完成了社会人口调查问卷、金融素养评估和神经心理学评估。控制年龄、性别和教育的多元线性回归模型检验了认知测量的主要影响，显示了与金融素养显著的双变量关联。结果:经过多次比较校正后，来自NIH工具箱的结晶复合分数(p = .002)和图片词汇测试(p = .002)，以及来自统一数据集3的多语言命名测试(p > .001)与金融素养相关。与我们的假设相反，在考虑金融素养分数时，教育与认知措施没有相互作用。结论:研究结果表明，词汇知识和语义记忆可能在老年人金融素养中起重要作用。临床意义:评估词汇知识和语义过程可能有助于识别较低金融素养技能的老年人。此外，金融素养干预可以考虑针对词汇知识和语义处理技能较低的个体。

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

Clinical Gerontologist GERIATRICS & GERONTOLOGY-PSYCHIATRY

CiteScore

6.20

自引率

25.00%

发文量

审稿时长

>12 weeks

期刊介绍： Clinical Gerontologist presents original research, reviews, and clinical comments relevant to the needs of behavioral health professionals and all practitioners who work with older adults. Published in cooperation with Psychologists in Long Term Care, the journal is designed for psychologists, physicians, nurses, social workers, counselors (family, pastoral, and vocational), and other health professionals who address behavioral health concerns found in later life, including: -adjustments to changing roles- issues related to diversity and aging- family caregiving- spirituality- cognitive and psychosocial assessment- depression, anxiety, and PTSD- Alzheimer’s disease and other neurocognitive disorders- long term care- behavioral medicine in aging- rehabilitation and education for older adults. Each issue provides insightful articles on current topics. Submissions are peer reviewed by content experts and selected for both scholarship and relevance to the practitioner to ensure that the articles are among the best in the field. Authors report original research and conceptual reviews. A unique column in Clinical Gerontologist is “Clinical Comments." This section features brief observations and specific suggestions from practitioners which avoid elaborate research designs or long reference lists. This section is a unique opportunity for you to learn about the valuable clinical work of your peers in a short, concise format.