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Am I Entitled To Help? Building Confidence Through Financial Inclusion, Marilla Kortesalmi, Minna Autio, Mette Ranta
Am I Entitled To Help? Building Confidence Through Financial Inclusion, Marilla Kortesalmi, Minna Autio, Mette Ranta
Journal of Financial Therapy
Financial inclusion has focused primarily on the accessibility of financial social services. However, it is important to note that individual financial practices not only require the opportunity to access financial structures, but also confidence in their accessibility to engage in and utilize such services. Individuals facing difficult life situations often encounter challenges in financial activities due to limited resources and a need for more skills. Consequently, their financial capability is often restricted, and they more frequently experience financial exclusion. Despite this problem, the literature on financial inclusion needs to give more attention to subjective financial inclusion. To understand the process …
Time Orientation And Mental Accounting: Examining Serial Mediation Effects Of Financial Literacy And Impulsivity, Maneesha Singh, Tanuj Nandan
Time Orientation And Mental Accounting: Examining Serial Mediation Effects Of Financial Literacy And Impulsivity, Maneesha Singh, Tanuj Nandan
Journal of Financial Therapy
With a wide variety of complex financial assets and securities available in the market, individuals often struggle with their financial planning due to a lack of financial literacy, high impulsivity, and short-term time orientation, hampering their financial satisfaction. The current study examines the yet unexplored indirect effect of investors' time orientations on mental accounting through financial literacy and impulsivity. We conducted a cross-sectional survey and collected 162 active investors’ responses via structured questionnaires distributed in both online and offline portals across India to gauge their financial literacy, time orientation, impulsivity, and mental accounting. We used Smart PLS-4 software along with …
Book Review: The Why Of Wealth, Kamille Green
Book Review: The Why Of Wealth, Kamille Green
Journal of Financial Therapy
Book Review: The Why of Wealth
Divorced From Knowledge: Perceptions Of Alimony Fairness In Relation To Educational Discrepancies, Michael Kothakota, Jessica Wery
Divorced From Knowledge: Perceptions Of Alimony Fairness In Relation To Educational Discrepancies, Michael Kothakota, Jessica Wery
Journal of Financial Therapy
Spousal support or alimony is a cash transfer from one spouse to another after divorce. The amount awarded might seem arbitrary and unfair to either one or both individuals. The public often does not see the fact patterns associated with alimony awards or agreements, and their input may provide information to policymakers and decision-makers about what a fair amount of alimony might be. This study examines data collected from 1,285 U.S. participants randomly assigned to a vignette condition that details a hypothetical alimony scenario where one spouse supported the other spouse to gain education, resulting in significantly increased income prior …
Researcher Profile: Jeffrey Anvari-Clark, Jeffrey Anvari-Clark
Researcher Profile: Jeffrey Anvari-Clark, Jeffrey Anvari-Clark
Journal of Financial Therapy
Researcher Profile: Jeffrey Anvari-Clark
Practitioner Profile: Cait Howerton, Cait Howerton
Practitioner Profile: Cait Howerton, Cait Howerton
Journal of Financial Therapy
Practitioner Profile: Cait Howerton
Blending And Spending: Financial Influences Impacting Childfree Stepmothers’ Relationship Satisfaction, Diane W. Darling, Lauren Mizock, Allen E. Cornelius, Ashley B. Lebaron-Black, Amy Taylor
Blending And Spending: Financial Influences Impacting Childfree Stepmothers’ Relationship Satisfaction, Diane W. Darling, Lauren Mizock, Allen E. Cornelius, Ashley B. Lebaron-Black, Amy Taylor
Journal of Financial Therapy
There exists a need to better understand how monetary factors impact the partnerships of childfree stepmothers in blended families. The present study examines the correlation of couples’ shared financial values and congruence in financial management behaviors with relationship satisfaction among these stepmothers. Participants included 104 childfree stepmothers in blended families. Findings indicated that perceived shared financial values positively predicted relationship satisfaction. In addition, while financial behavior congruence between stepmothers and their partners did predict relationship satisfaction, it did so through a weaker inverse association. Contrary to expectations, financial behavior congruence did not mediate the association between shared financial values and …
Editorial: Vol. 15, Issue 1, Sarah D. Asebedo
Editorial: Vol. 15, Issue 1, Sarah D. Asebedo
Journal of Financial Therapy
Editorial: Vol. 15, Issue 1
Examining Financial Anxiety Focusing On Interactions Between Financial Knowledge And Financial Self-Efficacy, Jae Min Lee, Abed Rabbani, Wookjae Heo
Examining Financial Anxiety Focusing On Interactions Between Financial Knowledge And Financial Self-Efficacy, Jae Min Lee, Abed Rabbani, Wookjae Heo
Journal of Financial Therapy
This study examined whether the association between financial knowledge and financial anxiety depends on an individual’s financial self-efficacy by incorporating an interaction term between financial self-efficacy and financial knowledge. The self-efficacy component of the social cognitive theory of self-regulation has been tested using the 2018 National Financial Capability Study dataset. Households with higher financial knowledge and financial self-efficacy had lower levels of financial anxiety. After adding interaction terms of financial knowledge and financial self-efficacy in the model, the relationship between financial knowledge and financial anxiety depended on the levels of financial self-efficacy. Among those with anything less than high financial …
Researcher Profile: An Interview With Melissa Curran, Melissa Curran
Researcher Profile: An Interview With Melissa Curran, Melissa Curran
Journal of Financial Therapy
Researcher Profile: An Interview with Melissa Curran
Book Review: Smart Money, Eric J. Dammann
Book Review: Smart Money, Eric J. Dammann
Journal of Financial Therapy
Book Review: Smart Money
Editorial Volume 14, Issue 1, Sarah D. Asebedo
Editorial Volume 14, Issue 1, Sarah D. Asebedo
Journal of Financial Therapy
Editorial Volume 14, Issue 1
The New Kid On The Block: Ifs Informed Financial Therapy, Richard S. Kahler, Michelle Glass
The New Kid On The Block: Ifs Informed Financial Therapy, Richard S. Kahler, Michelle Glass
Journal of Financial Therapy
Internal Family Systems℠ (IFS) therapy is an evidenced-based therapeutic (EBT) tool used to treat various mental health disorders and non-clinical issues. IFS is a promising new approach to building healthy financial behaviors when combined it with financial therapy. During a financial discussion, beliefs, money scripts, and stories around the client’s money history are expressed and are then explored using IFS protocols. IFS provides the financial therapist with a tool that has a high probability of being effective at helping clients access their hidden extreme beliefs, emotions, and stories around money and offers the hope of making changes resulting in lasting …
Direct And Indirect Effects Of Subjective Financial Knowledge With Financial Satisfaction, Jibin Antony, Antony Thomas
Direct And Indirect Effects Of Subjective Financial Knowledge With Financial Satisfaction, Jibin Antony, Antony Thomas
Journal of Financial Therapy
In this study, we differentiate subjective financial knowledge from objective financial knowledge and propose that subjective financial knowledge relates to financial satisfaction both directly as well as indirectly through financial behavior. This study used data obtained from a multi-stage random sample of household financial officers in Kerala, India (n=450). Results showed that subjective financial knowledge significantly relates to household financial officers’ financial satisfaction after controlling for objective financial knowledge and other socioeconomic factors. The relationship between subjective financial knowledge and financial satisfaction could be both direct and indirect through financial behavior. The findings suggest that financial education programs should focus …
Practitioner Profile: An Interview With Aja Evans, Aja Evans
Practitioner Profile: An Interview With Aja Evans, Aja Evans
Journal of Financial Therapy
Practitioner Profile: An Interview with Aja Evans
Practitioner Profile: An Interview With Rick Kahler, Rick Kahler
Practitioner Profile: An Interview With Rick Kahler, Rick Kahler
Journal of Financial Therapy
Practitioner Profile: An Interview with Rick Kahler
The Empowerment Model Of Clinical Supervision And Its Application To Standardization Of Financial Therapy Supervision, Khara Croswaite Brindle
The Empowerment Model Of Clinical Supervision And Its Application To Standardization Of Financial Therapy Supervision, Khara Croswaite Brindle
Journal of Financial Therapy
Financial therapy creates a meaningful bridge between mental health and money, which indicates a complex framework in support of clients and financial therapists alike. Recognizing the newness of financial therapy as a profession, adopting a supervision style for financial therapists that can support the integrity and ethics of the profession, as well as define the growth opportunities of financial therapists called to do this meaningful work, is of utmost importance. The Empowerment Model of Clinical Supervision, with its focus on self of the therapist and empowerment of supervisees, can serve as a template for the standardization of financial therapy supervision.
Researcher Profile: Megan Ford, Megan Ford
Researcher Profile: Megan Ford, Megan Ford
Journal of Financial Therapy
Researcher Profile: Megan Ford
You Are Your Best Intervention: Utilizing Person-Of-The-Therapist Training In Financial Therapy, Megan A. Mccoy, Stephen Molchan, Kristy L. Archuleta, Ingrid Ponciano
You Are Your Best Intervention: Utilizing Person-Of-The-Therapist Training In Financial Therapy, Megan A. Mccoy, Stephen Molchan, Kristy L. Archuleta, Ingrid Ponciano
Journal of Financial Therapy
The field of financial therapy recognizes the importance of the therapist's self in facilitating effective client outcomes. Self-exploration involves a comprehensive exploration of the therapist's relationship with money, allowing them to leverage their experiences, financial flashpoints, and money scripts ethically and effectively. By engaging in self-exploration, financial therapists become role models for their clients, inspiring them to embark on their personal growth journeys. However, therapists must exercise caution to avoid projecting their beliefs onto clients. This paper explores how one specific program on the self-of-the-therapist exploration, the person-of-the-therapist model (POTT; Aponte, 1982), can be applied to financial therapy self-work. This …
Siblings, Family Systems Theory, Guardianship, And Restoring The Triad, Meghaan R. Lurtz, Andew Komarow, Elizabeth Yoder, Julia Vassallo
Siblings, Family Systems Theory, Guardianship, And Restoring The Triad, Meghaan R. Lurtz, Andew Komarow, Elizabeth Yoder, Julia Vassallo
Journal of Financial Therapy
Special needs estate planning introduces additional complexity, including the need to plan for ongoing caregiving after members of the parents’ generation have passed. This caregiving role is often left to siblings. (Brandy, Burke, Landon, Oertle, 2018). The sibling relationship has not been well-studied in this context, and the relationship dynamic has become more complex as families have changed in recent years (Sanner & Jensen, 2021). The overall goal of the paper is to discuss alternatives for structuring caretaking (e.g., conservatorship, guardianship, supported decision-making) that may restore the triad relationship, i.e., the strongest relationship identified in Family Systems Theory through which …
A Review Of “The Behavior Gap: Simple Ways To Stop Doing Dumb Things With Money”, Stephen Molchan
A Review Of “The Behavior Gap: Simple Ways To Stop Doing Dumb Things With Money”, Stephen Molchan
Journal of Financial Therapy
A Review of “The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money”
Editorial: Vol. 14, Issue 2, Ed Coambs
Editorial: Vol. 14, Issue 2, Ed Coambs
Journal of Financial Therapy
Editorial: Vol. 14, Issue 2
Practitioner Profile: Debra Kaplan, Debra Kaplan
Practitioner Profile: Debra Kaplan, Debra Kaplan
Journal of Financial Therapy
Practitioner Profile: Debra Kaplan
Editorial Vol. 13 Issue 1, Sarah D. Asebedo
Editorial Vol. 13 Issue 1, Sarah D. Asebedo
Journal of Financial Therapy
The articles in this issue build our knowledge of the intersection between couples and money by taking us on an evidence-based journey through the beginning (newlyweds and emerging adults) and end (divorce) of a couples’ relationship life cycle while giving insight into early childhood experiences (trauma) that might impact financial beliefs, behaviors, and financial transparency in relationships. These articles incorporate several interesting concepts including adverse childhood experiences, attachment styles, early financial discussions, financial conflict, alimony decisions, spenders, and tightwads. Furthermore, the authors do a fine job of incorporating advanced statistical methods (e.g., structural equation modeling, missing data methods, actor-partner interdependence …
The Sooner, The Better? Couples' First Financial Discussion, Relationship Quality, And Financial Conflict In Emerging Adulthood, Matthew T. Saxey, Ashley B. Lebaron-Black, Melissa A. Curran
The Sooner, The Better? Couples' First Financial Discussion, Relationship Quality, And Financial Conflict In Emerging Adulthood, Matthew T. Saxey, Ashley B. Lebaron-Black, Melissa A. Curran
Journal of Financial Therapy
In couple relationships, discussing finances is often considered taboo. Specifically, emerging adult couples experience several unique financial challenges that may contribute to poorer financial communication and pose relational risks. Utilizing structural equation modeling with a sample of 1,950 U.S. emerging adults, the current study tests associations between the time of a couple’s first financial discussion, financial communication, relationship quality, and financial conflict. Results indicate that initiating financial discussion earlier in a romantic relationship may benefit relationship quality—through financial communication. However, having an earlier first financial discussion as a couple was also positively associated with financial conflict. Financial therapists might consider …
The Intersectionality Of Race And Gender In Financial Planner Use, Miranda Reiter, Di Qing, Narita Anderson, Kimberly Watkins
The Intersectionality Of Race And Gender In Financial Planner Use, Miranda Reiter, Di Qing, Narita Anderson, Kimberly Watkins
Journal of Financial Therapy
Using the 2019 Survey of Consumer Finances, this study examined the role of race and gender regarding the use of financial planners through the lens of intersectionality. More specifically, this study investigated whether there was an association between race and gender, notably for Black women, and financial planner use compared to White women, Black men, and White men. Results of the interaction analyses in the probit model show that Black women were more likely to use financial planners than other groups. A follow-up analysis indicated that results were significant when comparing Black women to White men but there was no …
Financial Well-Being: Psychological Factors That Affect African Americans' Financial Well-Being, Crystal R. Hudson, Cw Copeland, John Young
Financial Well-Being: Psychological Factors That Affect African Americans' Financial Well-Being, Crystal R. Hudson, Cw Copeland, John Young
Journal of Financial Therapy
Most families strive toward financial security and well-being, which would allow them to weather financial shocks and accomplish their long-term goals. However, African Americans have not experienced the same level of financial well-being as others, and this study explored psychological factors that may affect their financial well-being. Data from the 2016 National Financial Well-Being survey (NFWBS), including the CFPB (Consumer Financial Protection Bureau) Financial Well-Being scale, was utilized in this study. Researchers found that the following factors had a significant positive relationship with the financial well-being of African Americans; grasp of financial skills (confidence), mistreatment with financial services (trust), and …
Spenders And Tightwads Among Newlyweds: Perceptions Of Partner Financial Behaviors And Relational Well-Being, Heather H. Kelley, Alexa B. Chandler, Ashley B. Lebaron-Black, Xiaomin Li, Melissa A. Curran, Jeremy B. Yorgason, Spencer James
Spenders And Tightwads Among Newlyweds: Perceptions Of Partner Financial Behaviors And Relational Well-Being, Heather H. Kelley, Alexa B. Chandler, Ashley B. Lebaron-Black, Xiaomin Li, Melissa A. Curran, Jeremy B. Yorgason, Spencer James
Journal of Financial Therapy
Finances, and how couples manage their finances, can have important implications for couples’ relational well-being. Using data from 1,585 couples that participated in the CREATE study (a nationally representative dyadic dataset of U.S. newlywed couples), we examined how perceiving one’s spouse as a financial spender (i.e., spending more than they ideally would) or financial tightwad (i.e., spending less than they ideally would) was associated with several measures of relational well-being (i.e., satisfaction, commitment, and power) through actor-partner interdependence structural equation models. Results showed that perceiving one’s partner as a spender was detrimental for both the individual’s and the partner’s marital …
A Review Of Permission To Feel: The Power Of Emotional Intelligence To Achieve Well-Being And Success, Ashlyn Rollins-Koons, Cheryl Rauh
A Review Of Permission To Feel: The Power Of Emotional Intelligence To Achieve Well-Being And Success, Ashlyn Rollins-Koons, Cheryl Rauh
Journal of Financial Therapy
A Review of Permission to Feel: The Power of Emotional Intelligence to Achieve Well-Being and Success
Researcher Profile: Miranda Reiter, Miranda Reiter
Researcher Profile: Miranda Reiter, Miranda Reiter
Journal of Financial Therapy
Researcher Profile: Miranda Reiter