The link between childhood overindulgence and adult financial behaviors

Stephanie Heuring Horner, Catherine A Solheim, Virginia Solis Zuiker, Jaime Ballard

Research output: Contribution to journalArticle

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.

Original languageEnglish (US)
Pages (from-to)80-91
Number of pages12
JournalJournal of Financial Counseling and Planning
Volume27
Issue number1
DOIs
StatePublished - Jan 1 2016

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Financial behavior
Credit cards
Childhood
Undergraduate students
Multiple regression
Control variable
Private schools
Public schools

Keywords

  • Buying impulsiveness
  • Credit card misuse
  • Emerging adulthood
  • Indulgence
  • Overindulgence

Cite this

The link between childhood overindulgence and adult financial behaviors. / Horner, Stephanie Heuring; Solheim, Catherine A; Zuiker, Virginia Solis; Ballard, Jaime.

In: Journal of Financial Counseling and Planning, Vol. 27, No. 1, 01.01.2016, p. 80-91.

Research output: Contribution to journalArticle

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