The link between childhood overindulgence and adult financial behaviors

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6 Scopus citations


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
Issue number1
StatePublished - 2016

Bibliographical note

Funding Information:
This work was supported by the USDA National Institute of Food and Agriculture, Hatch project MIN-52-07.


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


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