Российский психологический журнал (Oct 2022)
Money Attitude Among Older Adolescents With Different Levels of Personal Maturity
Abstract
Abstract: Introduction. A literature review devoted to the study of adolescents’ economic socialization patterns allows us to assume that the attitude of adolescents to money (conscientiousness of the attitude to money and confidence in their financial rights) is mediated by the characteristics of their personal maturity. The article presents the novel results of an empirical test of this hypothesis. Methods. The study involved 1.145 adolescents aged 13–17 years (725 girls and 418 boys) who do not have independent sources of income. Empirical data were collected using the “Scale self-assessment of personal maturity” (A. V. Miklyaeva) and the “Adolescent money attitude scale” (I. Beutler, C. Gudmunson). Results. The indicator of financial conscientiousness increases with age (F = 4.17 at p 0.05). The indicator of financial conscientiousness is significantly higher in the sample of girls (F = 17.16 at p < 0.001). Throughout older adolescence, the indicator of financial rights is positively associated with the regulatory maturity indicator (F = 3.11 at p = 0.05), the financial conscientiousness indicator is positively associated with the indicator of reflexive maturity (F = 9.92 at p = 0.001) and negatively – with the indicators of regulatory (F = 7.92 at p = 0.001) and cognitive (F = 3.50 at p = 0.03) maturity. Discussion. The results are interpreted in the context of a socio-psychological approach to personality formation in the growing-up process. The conclusion is made that the recorded change in the money attitude in adolescence is closely associated with the assessment by adolescents of their personality potential, in particular, those aspects of it that allow them to make independent financial decisions. Proposals are formulated for the development of programs of activities aimed at promoting constructive economic socialization of adolescents.
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