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H1b Financial Well-Being among U.S Adults: Exploring the Role of Gender and Marital Status
Short Description
Using the 2021 National Financial Capability Study (N=24,361), this study examines how gender and marital status individually and jointly shape consumers’ financial well-being in the United States. Financial well-being is measured using both the CFPB's five-item scale and a single-item scale, allowing for a robust comparison across measuring instruments. We estimate OLS models with socio-economic controls (including income, education, employment, homeownership, insurance, dependent children, objective and subjective financial knowledge) and test for differences using ANOVA and t-tests. Results show persistent disparities by gender and marital status; women report lower financial well-being than men, and separated/divorced/widowed respondents fare worse than their married counterparts. Intersectional analyses reveal compounded disadvantages for women, especially women who are divorced, separated, or widowed. Findings inform targeted consumer financial education, financial planning, and policy, such as wage equity, child support enforcement, and retirement security, to strengthen household resilience and narrow gaps in consumer financial well-being.
Type of presentation
Accepted Oral Presentation