Education Commons^™

Identifying Motivations To Encourage Women To Adopt Positive Financial Behaviors, Megan E. Rowley

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Seventeen women between the ages of 25 and 54 who self-identified as having made a positive financial change within the past two years were interviewed in four focus groups. Participants were asked to identify their motivations for financial behavior change.

The analysis of this research data indicated the participants in this study progressed through the stages of change in Prochaska's Transtheoretical Model while making personal financial changes. Factors such as emotion, family influence, and life transition helped many women move from earlier stages (Precontemplation, Contemplation) to later stages (Preparation, Action) of change. Although participants utilized a wide variety of first …

An Analysis Of Reverse Mortgage Clients At The Utah State University Family Life Center Housing And Financial Counseling Services, Cindy R. Stokes

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

The purposes of this study were to describe and categorize the types of clients seeking reverse mortgage counseling, and to document the growth in demand for reverse mortgage counseling from one counseling center: The USU Family Life Center - Housing and Financial Counseling Services (FLC HFC). A second purpose was to gain a better understanding of the reasons why more senior Americans are seeking reverse mortgages. A third purpose was to gain a better understanding of the retirement preparedness of current seniors seeking reverse mortgages, which could lead to improved counseling services, early retirement intervention awareness, and encourage increased pre-retirement …