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Relationships Among Emotion Regulation, Financial Self-Efficacy, and Financial Management Behaviors of Couples

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Abstract

This study examines the relationships among emotion regulation, financial self-efficacy, and couples’ financial management behaviors using the baseline data from 239 heterosexual couples (478 individuals) enrolled in a community-based relationship and financial education program. Structural Equation Modeling was used to test an Actor-Partner Interdependence Model that examined both the individual and partner effects of emotion regulation on financial management behaviors mediated by financial self-efficacy. For both partners, there were significant effects of emotion regulation on financial self-efficacy and significant effects of financial self-efficacy on financial management. There was a significant positive, indirect association of emotion regulation with her overall financial management behaviors for female partners. There was a significant partner effect from males’ financial self-efficacy on female partners’ financial management behaviors. Implications for researchers, policymakers, and practitioners are discussed.

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Funding

for this project was provided by the United States Department of Health and Human Services, Administration of Children and Families [Grant #90FM077-01-00; #90FM077-02-00; #90FM077-03-00].

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Authors and Affiliations

  1. University of Maryland, 1210 Symons Hall College Park, 20742, College Park, MD, United States

    Jinhee Kim PhD

  2. University of Maryland, 1142CC School of Public Health, 20742, College Park, MD, United States

    Mariana K. Falconier PhD

  3. Department of Family Science, University of Maryland, College Park, MD, United States

    C. Andrew Conway MSW, LCSW-C

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Kim, J., Falconier, M.K. & Conway, C.A. Relationships Among Emotion Regulation, Financial Self-Efficacy, and Financial Management Behaviors of Couples. J Fam Econ Iss 44, 342–355 (2023). https://doi.org/10.1007/s10834-022-09827-2

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