Accumulation of Personal Wealth in Couples: Individual Resources and Gender Inequalities in Intimate Relationships

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This project examines personal wealth of individuals within heterosexual couples. Wealth is an economic resource that provides many advantages that go beyond income. Particularly, personal wealth, which needs to be distinguished from household wealth, is increasingly important to provide economic security over the life course. This is a consequence of less stable intimate relationships and restructuring welfare states. Previous research has established that women mostly own less personal wealth in couples. Thorough examinations of the processes underlying personal wealth accumulation that create gender inequalities within couples are missing, however. To fill this gap the proposed project answers the following overarching research question: What shapes the accumulation of and inequalities in personal wealth in couples? By answering this question, the project's first aim is to understand how being in a couple affects personal wealth accumulation for women and men. Second, it aims to improve on the knowledge about the generation of economic inequalities within couples over time. Third, it aims to identify contextual conditions that moderate the within-couple accumulation of wealth. The project builds on theories of the intra-household distribution of resources in combination with a life course perspective. The main working hypothesis is that well-known processes of accumulation at the household-level have gendered, and so far little understood, effects for personal wealth of partnered women and men. It is also hypothesised that these processes differ across countries, e.g. due to divergent tax systems. To test this, the accumulation of personal wealth is examined from multiple perspectives and by observing individuals within couples over time and in diverse countries. First, quantitative, secondary and longitudinal survey data from Australia, Germany, the UK and US are used. The data are comparatively analysed using empirical models of growth and change and models that capture biographical complexities. Second, these analyses are amended with factorial survey experiments on the subjective attitudes towards personal wealth in couples in all four country cases. These primary data are analysed with multilevel models. The integration of results from both analytical parts allows for comprehensive answers to the overarching research question. Thereby, this timely and relevant project contributes to a better understanding of women's and men's unequal life chances due to wealth disparities.