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D3c When Two Become One: The Impact of Your Spousal Partner’s Impulsivity on Your Financial Well-Being
Key Words
financial well-being, impulsivity, intrahousehold, actor-partner effect, dyadic analysis
Short Description
Impulsivity has been associated with higher levels of debt, financial vulnerability, and even susceptibility to internet scams/theft. The effect of impulsivity, however, has been studied primarily at an individual level even though many financial decisions are made within a married household. Relatively little work has examined how the psychological traits of spouses come together to influence financial decisions or well-being. Using the Actor-Partner Independence Model, this study examines the impact of a partner’s psychological trait of impulsivity on his/her spousal partner’s financial well-being. We find that the actor’s trait of impulsivity and the partner’s trait of impulsivity operate to decrease financial well-being of the actor. There were no differences in these effects for an actor who was a husband versus one who was a wife. The implication is that any program designed to lessen impulsivity should address both the husband and wife. Lessening impulsivity for one of the spouses is not likely to have as much of an effect on financial well-being as lessening impulsivity for both spouses.
First & Corresponding Author
Pan-Ju Chen, University of Georgia
Authors in the order to be printed
Pan-Ju Chen, Dee Warmath