New methods to assess the intersection of financial decision making, financial management and financial exploitation in older adults with MCI or PCI

尽管存在财务管理(FM)下降的风险，但财务决策(FDM)和 易受金融剥削(FE)，许多记忆力受损的老年人继续 管理自己和家人的财务。财务管理在这里的定义是 计划、组织和控制自己的个人理财活动。财务决策 理财被定义为使用个人财务来购买、投资、储蓄或赠送礼物。 金融剥削的定义是通过欺诈或盗窃滥用他人的钱。不仅 记忆力受损的人会继续管理自己的钱吗，但他们也 在没有意识到的情况下经历了巨大的财富损失。另外，那些年长的人 记忆力下降的早期阶段通常会经历财务决策能力的下降(FDM) 导致金融剥削(FE)受害人数显著增加。我们的目标是抽样 那些患有轻度认知障碍(MCI)或感知认知障碍(PCI)的人，会产生 从老年人的银行记录中获得新的“真实世界”FM测试，并检查老年人的 财富损失、fdm和对FE的脆弱性。我们建议让200名研究参与者参与 我们的研究是通过从NIA P30阿尔茨海默氏症中心和RCMAR中心抽样进行的，以便进行过度抽样 城市非裔美国人。与会者将接受三个步骤的面谈：(A)确保他们满足 纳入标准，(B)共享电子银行对账单，以及(C)参加我们的面试 一旦我们分析了银行对帐单(我们能够执行此数据 由于新冠肺炎的缘故，如有必要，可通过电话或视频会议收集)。这一方法将 使我们能够了解那些早期记忆丧失的人是如何感知他们的 财务，可以识别哪些早期财富损失预警信号，以及哪些背景和 智力指标与财富损失和财务管理不善有关。通过 为了实现我们的目标，我们将提供重要的新方法和知识 FM、FDM、财富损失和FE脆弱性的交集。这一知识将是 R01研究的基础，以检查财富随时间的变化和FE并开发 基于动机访谈的干预策略。

Despite the risks of decline in financial management (FM), financial decision making (FDM) and vulnerability to financial exploitation (FE), many memory impaired older adults continue to manage their own and their family's finances. Financial management is defined here as planning, organizing and controlling one's own personal finance activities. Financial decision making is defined as the use of personal finances for purchases, investments, savings or gifts. Financial exploitation is defined as misuse of another's money through fraud or theft. Not only do individuals with memory impairment continue to manage their own money, but they also experience significant wealth loss without realizing it. In addition, those older adults in the earliest phases of memory decline often experience declines in financial decision making (FDM) resulting in significantly higher financial exploitation (FE) victimization. Our goal is to sample those with Mild Cognitive Impairment (MCI) or Perceived Cognitive Impairment (PCI), create a new “real world” FM test from the older individual's bank records, and examine the older adult's wealth loss, FDM and vulnerability to FE. We propose to engage 200 research participants in our study by sampling from our NIA P30 Alzheimer's and RCMAR Centers so as to over-sample Urban African Americans. Participants will be interviewed across 3-steps: (a) insuring they meet inclusion criteria, (b) sharing electronic bank statements, and (c) participating in our interview and evaluation once we have analyzed the bank statements (we are able to perform this data collection by phone or videoconferencing if necessary due to Covid-19). This approach will enable us to gain an understanding of how those with early memory loss perceive their finances, what early wealth loss warning signs can be identified, and what contextual and intellectual measures are related to wealth loss and financial mismanagement. By accomplishing our aims, we will provide important new methods and knowledge about the intersection of FM, FDM, wealth loss and vulnerability to FE. This knowledge will be fundamental to a R01 study to examine wealth changes and FE over time and to develop intervention strategies based on Motivational Interviewing.