ArticleInnovation in aging2020
Examining Health and Wealth Correlates of Perceived Financial Vulnerability: A Normative Study.
Article in Innovation in aging, 2020. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 13 papers, 1 of them a synthesis that pooled it.
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Who cites it
13 citing papers in PubMed, 1 synthesis or guideline pooled it.
- A scoping review of financial decision-making measures in midlife and beyond: results from the advancing reliable measurement in cognitive aging and decision-making ability (ARMCADA) study.Frontiers in psychology · 2025Pooled it
- Anxiety and depressive symptoms differentially moderate the relationship between cognitive reappraisal and financial exploitation vulnerability in older adults.Aging & mental health · 2026Article
- Subjective Cognitive Decline and Financial Exploitation Vulnerability.Clinical gerontologist · 2026Article
- Fraud Prevalence and Prospective Prediction of Fraud Victimization in the Health and Retirement Study.medRxiv : the preprint server for health sciences · 2026Article
- The Scammers' Psychological Warfare: A Call to Arms.Psychological science in the public interest : a journal of the American Psychological Society · 2025Article
- Cognitive functioning predicts vulnerability to financial exploitation in APOE e4 carriers.International psychogeriatrics · 2025Article
- Financial exploitation vulnerability and social connectedness in middle-aged and older adults without dementia.Aging & mental health · 2025Observational
- Neuropsychological profile associated with financial exploitation vulnerability in older adults without dementia.The Clinical neuropsychologist · 2025Article
- A person-centered approach to financial capacity: early memory loss, financial management and decision-making.Aging & mental health · 2024Article
- Lower entorhinal cortex thickness is associated with greater financial exploitation vulnerability in cognitively unimpaired older adults.Cerebral cortex (New York, N.Y. : 1991) · 2024Article
- The Relationship Between Financial Decision-Making and Financial Exploitation in Older Black Adults.Journal of aging and health · 2022Article
- Perceived Financial Vulnerability, Wealth, and Wealth Change: The Health and Retirement Study.Clinical gerontologistArticle
- Examining the Validity of the Financial Exploitation Vulnerability Scale.Clinical gerontologistArticle
Corrections and comments
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Authors and funding
3 authors.
Funding
Abstract
BACKGROUND AND
objectivesAge-associated financial vulnerability was introduced because it was increasingly recognized that cognitively intact older adults experienced changes that rendered them financially vulnerable. In this study, we attempt to apply the construct of Age-Associated Financial Vulnerability to a measure of Perceived Financial Vulnerability and whether this perceived vulnerability is predicted by risk factors from the 4 categorical domains used to define Age-Associated Financial Vulnerability's impact. RESEARCH DESIGN AND
methodsThis study was part of the Health and Retirement Study (HRS) survey in 2018. The survey contained 7 experimental module items of Perceived Financial Vulnerability. One thousand three hundred fourteen participants completed the Perceived Financial Vulnerability measure. The sample was drawn from Waves 13 and 14 of the HRS (2016 and 2018, respectively). The measurement of Perceived Financial Vulnerability was developed on the basis of 7 questions assessing financial awareness and psychological vulnerability items regarding personal finance that were included in the 2018 HRS data collection. Predictors included measures of cognition, function/health, depression, and wealth. Predictor measures from 2016 were regressed on 2018 Perceived Financial Vulnerability scores.
resultsSix items of Perceived Financial Vulnerability had psychometric properties acceptable for a new measure. Responses revealed variability in Perceived Financial Vulnerability. Overall, 18% of variance was accounted for and measures from cognition, depression, assets, and functional abilities were all unique and significant predictors. DISCUSSION AND IMPLICATIONS: This study represents both a conceptual and empirical contribution to our understanding of older adult's perceptions of financial vulnerability. The high levels of Perceived Financial Vulnerability found in this normative sample underscore the importance of context in understanding people's economic behaviors. For instance, more than one half of the sample indicated that they wished they had someone to talk to about their finances. This desire to talk with others is normative and yet often underappreciated.
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