Optimizing Financial Education Utilization

Title

The Link Between Childhood Overindulgence and Adult Financial Behavior

Document Type

Journal Article

Publication Date

1-2016

Keywords

age, race, credit, gender, impulsiveness, credit

Abstract

This study examined the link between overindulgence and buying impulsiveness and the link between buying impulsiveness and credit card misuse among undergraduate students from 2 Midwestern universities. Hierarchical multiple regression was used to examine these relationships. Overindulgence predicted buying impulsiveness when controlling for the effects of age, race, gender, public or private school, and whether or not the student was employed. Buying impulsiveness predicted credit card misuse while using the same control variables. Overindulgence was not found to predict credit card misuse.

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