Financial Decision-Making in Adults With ADHD
Financial Decision-Making in Adults With ADHD
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DOI：
10.1037/neu0000571
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发表时间：
2019-11-01
期刊：
影响因子：
2.4
通讯作者：
Tucha, Oliver
中科院分区：
文献类型：
--
作者：
Bangma, Dorien F.;Koerts, Janneke;Tucha, Oliver
目的：成年期注意力缺陷/多动障碍（ADHD）与日常生活多个领域的问题相关，包括财务决策（FDM）。然而，针对成人 ADHD 的 FDM 研究有限，并且从未以客观标准化的方式对这些患者进行过 FDM 检测。本研究的目的是使用主观和标准化客观测量来探索患有 ADHD 的成人的 FDM 能力。方法：患有 ADHD 的成年人 (n = 45) 和健康对照者 (n = 51) 完成了一系列综合测试，包括对其个人财务状况的评估、神经心理学评估以及衡量 FDM 各个方面的标准化测试和问卷。结果：据报道，患有注意力缺陷多动症的成年人的财务状况比健康对照者要差得多，包括收入较少、负债较多、储蓄账户较少。此外，在衡量财务能力和能力（即理解银行报表/协议和评估财务问题）的标准化测试以及衡量对未来影响的决策的测试中，患有多动症的成年人的得分显着低于健康对照组。此外，与健康对照组相比，患有多动症的成年人更常冲动购买，并采用回避或自发的决策方式。计算能力对 FDM 的 2 个指标（即财务能力和能力）有中介作用；然而，这些指标的组间差异在统计上仍然显着。结论：患有 ADHD 的成年人在 FDM 的多个方面存在困难。这些困难至少可以部分解释患有多动症的成年人的经济状况较差。
Objective: Attention-deficit/hyperactivity disorder (ADHD) in adulthood is associated with problems in multiple domains of everyday life, including financial decision-making (FDM). Research on FDM in adults with ADHD is, however, limited and FDM has never been examined in an objective standardized manner in these patients. The aim of the present study is to explore FDM abilities of adults with ADHD, using both subjective and standardized objective measures. Method: Adults with ADHD (n = 45) and healthy controls (n = 51) completed a comprehensive test battery, including an evaluation of their personal financial situation, a neuropsychological assessment and standardized tests and questionnaires measuring various aspects of FDM. Results: Adults with ADHD reported to have a significantly poorer financial situation than healthy controls, including having less income, more often debts and less often a savings account. Furthermore, adults with ADHD showed significantly lower scores than healthy controls in standardized tests measuring financial competence and capacity (i.e., understanding bank statements/protocols and evaluating financial problems) as well as in a test measuring decision making with implications for the future. Furthermore, compared with healthy controls, adults with ADHD reported more often to buy on impulse and to use an avoidant or spontaneous decision-making style. A mediating effect of numeracy was found for 2 measures of FDM (i.e., financial competence and capacity); however, group differences on these measures remained statistically significant. Conclusions: Adults with ADHD have difficulties with several aspects of FDM. These difficulties may at least partly explain the poorer financial situation of adults with ADHD.