Financial satisfaction in old age: A satisfaction paradox or a result of accumulated wealth?
Financial satisfaction in old age: A satisfaction paradox or a result of accumulated wealth?
复制标题
DOI：
10.1007/s11205-007-9234-z
复制
发表时间：
2008-11-01
影响因子：
3.1
通讯作者：
Moum, Torbjorn
中科院分区：
文献类型：
--
作者：
Hansen, Thomas;Slagsvold, Britt;Moum, Torbjorn
先前的研究一致发现，老年人尽管收入较低，但在经济上比年轻人更满意。这种“满意度悖论”通常归因于老年人对贫困经济状况的心理适应。我们提出了一种不同的解释，重点关注财富和负债方面的巨大年龄差异。数据来自挪威 NorLAG 研究的第一波（n = 4,169）。研究结果支持这样的假设：对更广泛的经济变量的研究表明，物质条件对老年人的经济满意度比以前认为的更为重要。因此，随着年龄的增长，财务满意度越高，很大程度上可以解释为老年人的资产增加和债务减少。尽管如此，在收入较低的情况下，资产和债务并不能调节这种关系，因为收入很少的老年人积累的财富很少。由于收入和财富很少的老年人比同样贫穷的年轻人更容易获得经济满足，因此这一领域仍然存在“老龄化悖论”。
Prior research consistently has found that older adults, despite low incomes, are more financially satisfied than younger adults. This "satisfaction paradox" is typically attributed to elders' supposed psychological accommodation to poor financial circumstances. We advance a different explanation, one that focuses on substantial age differences in wealth and liabilities. Data are from the first wave of the Norwegian NorLAG study (n = 4,169). Findings support the hypothesis that an examination of a wider range of economic variables shows that material circumstances are more important to the financial satisfaction of the elderly than previously believed. A considerable part of the higher financial satisfaction with increasing age can thus be explained by greater assets and less debt among the aged. Nonetheless, assets and debt do not mediate this relationship at lower incomes, because older people with little income have very little accumulated wealth. As older people with little income and wealth have a much stronger tendency to be financially satisfied than their younger, equally poor counterparts, an "aging paradox" still remains in this field.