Separating neurocognitive mechanisms of maintenance and compensation to support financial ability in middle-aged and older adults: The role of language and the inferior frontal gyrus

This study investigated the role of brain regions involved in arithmetic processing in explaining individual differences in financial ability in 67 50–74-year-old cognitively normal adults. Structural integrity and resting-state functional connectivity measures were collected in the MRI scanner. Outside the scanner, participants performed financial ability and other cognitive tasks, and answered questionnaires to determine dementia risk, and financial risk and protective factors. Regions of interest involved in arithmetic processing were defined, focusing on language- and quantity-processing areas in temporo-frontal and parieto-frontal cortices, respectively. Our results showed that structural integrity and functional connectivity in brain regions associated with arithmetic retrieval were positively associated with financial ability, with language skill mediating left IFG structural integrity and financial ability. Connectivity patterns suggested that reliance on quantity mechanisms (i.e. calculation) was associated with poorer financial ability. Analyses revealed that reliance on these brain mechanisms did not depend on participants’ age or risk of dementia and that protective factors such as household income or financial literacy supported the maintenance of connectivity related to financial abilities.