This study explored an experimental survey aimed at increasing awareness of spending behaviors through a traditional (control) or well-being (intervention) lens across time, and investigated the relationships between general well-being, financial self-efficacy, financial skill, financial anxiety, and financial well-being in a large sample (N=1,174) of U.S. adults with diverse characteristics, although not nationally representative. The primary data were collected through five surveys using Qualtrics from June 3, 2024, through July 17, 2024. Given extreme attrition, only the data from wave 1 were used, and group differences were not detectable. The intervention result informs future studies regarding attrition rates for personal finance interventions. The wave one cross-sectional data from the full sample yields significant relationships across theoretical constructs. The results combine to indicate that greater general well-being has a consistent and robust relationship with improved financial well-being, with financial skill/efficacy accounting for a future, but not a current, time perspective. However, financial anxiety is more pervasive in that it crosses time perspective dimensions through its relationship with reduced expected future financial security and increased current money management stress. 

Accepted Oral Presentation