对金钱敞开心扉：个人财务披露带来的意想不到的好处

IF 3.4 2区管理学 Q2 MANAGEMENT

Organizational Behavior and Human Decision Processes Pub Date : 2025-07-01 DOI:10.1016/j.obhdp.2025.104430

Matt Meister, Joe J. Gladstone, Emily N. Garbinsky

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引用次数: 0

摘要

经济焦虑是一个普遍存在的社会问题，影响着心理健康、身体健康和工作表现。本研究调查了向他人披露个人财务信息是否可以缓解这种焦虑。通过纵向实验、大规模调查和在线讨论的自然语言处理等多种方法，我们提供了越来越多的证据，证明反复谈论金钱可以显著减少财务焦虑。我们的研究结果强调了感知财务控制是驱动这种效应的关键机制。与这个过程相一致的是，当人们分享他们财务中更可控的方面时，比如预算和支出，以及当他们在网上分享时，异步可编辑的披露增加了控制感，财务焦虑会减少得最多。这些发现确定财务披露是一种低成本、可扩展的提高财务福利的策略。

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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Opening up about money: The unexpected benefits of personal financial disclosure

Financial anxiety is a pervasive societal problem affecting mental health, physical well-being, and performance at work. This research investigates whether disclosing personal financial information to others can alleviate this anxiety. Through a multi-method approach encompassing longitudinal experiments, large-scale surveys, and natural language processing of online discussions, we provide converging evidence that repeatedly talking about money can significantly reduce financial anxiety. Our findings highlight perceived financial control as a key mechanism driving this effect. Consistent with this process, financial anxiety declines most when people share more controllable aspects of their finances, such as budgeting and spending, and when they share online, where asynchronous editable disclosure increases feelings of control. These findings identify financial disclosure as a low-cost, scalable strategy for enhancing financial well-being.

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来源期刊

Organizational Behavior and Human Decision Processes Multiple-

CiteScore

8.90

自引率

4.30%

发文量

期刊介绍： Organizational Behavior and Human Decision Processes publishes fundamental research in organizational behavior, organizational psychology, and human cognition, judgment, and decision-making. The journal features articles that present original empirical research, theory development, meta-analysis, and methodological advancements relevant to the substantive domains served by the journal. Topics covered by the journal include perception, cognition, judgment, attitudes, emotion, well-being, motivation, choice, and performance. We are interested in articles that investigate these topics as they pertain to individuals, dyads, groups, and other social collectives. For each topic, we place a premium on articles that make fundamental and substantial contributions to understanding psychological processes relevant to human attitudes, cognitions, and behavior in organizations. In order to be considered for publication in OBHDP a manuscript has to include the following: 1.Demonstrate an interesting behavioral/psychological phenomenon 2.Make a significant theoretical and empirical contribution to the existing literature 3.Identify and test the underlying psychological mechanism for the newly discovered behavioral/psychological phenomenon 4.Have practical implications in organizational context