Los millennials y las finanzas: relación entre conducta y bienestar financiero en contextos urbanos
Date
Journal Title
Journal ISSN
Volume Title
Publisher
Impulso
Abstract
En contextos urbanos, los millennials enfrentan retos financieros marcados por endeudamiento temprano, precariedad laboral y baja educación financiera, lo que limita su bienestar económico y emocional. El objetivo fue determinar la asociación entre conducta financiera y bienestar financiero en millennials urbanos, considerando dimensiones actitudinales hacia el manejo del dinero, ahorro, crédito y percepción de control, capacidad de afrontar imprevistos, libertad de decisión y cumplimiento de metas. Se aplicó un enfoque cuantitativo, de tipo básico, nivel correlacional y diseño no experimental transversal, con muestra probabilística de 369 individuos. Se utilizaron la Escala de Bienestar Financiero del CFPB y la Escala de Actitudes hacia la Conducta Financiera (Rodríguez-Chávez y Martins, 2022), ambas validadas (coeficientes > 0.90). Los resultados mostraron correlación positiva significativa (Tau-b Kendall = 0.341; p < .001), destacando la relación entre cumplimiento de metas y libertad de decisión económica. Se concluye que la educación financiera y el fortalecimiento de habilidades actitudinales son esenciales para promover estabilidad y autonomía financiera en entornos urbanos.
In urban contexts, millennials face financial challenges marked by early indebtedness, job insecurity and low financial education, which limits their economic and emotional well-being. The objective was to determine the association between financial behavior and financial wellbeing in urban millennials, considering attitudinal dimensions towards money management, savings, credit and perception of control, ability to deal with unexpected events, freedom of decision and goal fulfillment. A quantitative, basic, correlational and cross-sectional non-experimental design approach was applied, with a probability sample of 369 individuals. The CFPB Financial Well-Being Scale and the Financial Behavior Attitudes Scale (Rodriguez-Chavez and Martins, 2022), both validated (coefficients > 0.90), were used. The results showed a significant positive correlation (Tau-b Kendall = 0.341; p < .001), highlighting the relationship between goal fulfillment and freedom to make financial decisions. It is concluded that financial education and the strengthening of attitudinal skills are essential to promote financial stability and autonomy in urban environments.
In urban contexts, millennials face financial challenges marked by early indebtedness, job insecurity and low financial education, which limits their economic and emotional well-being. The objective was to determine the association between financial behavior and financial wellbeing in urban millennials, considering attitudinal dimensions towards money management, savings, credit and perception of control, ability to deal with unexpected events, freedom of decision and goal fulfillment. A quantitative, basic, correlational and cross-sectional non-experimental design approach was applied, with a probability sample of 369 individuals. The CFPB Financial Well-Being Scale and the Financial Behavior Attitudes Scale (Rodriguez-Chavez and Martins, 2022), both validated (coefficients > 0.90), were used. The results showed a significant positive correlation (Tau-b Kendall = 0.341; p < .001), highlighting the relationship between goal fulfillment and freedom to make financial decisions. It is concluded that financial education and the strengthening of attitudinal skills are essential to promote financial stability and autonomy in urban environments.
Description
Vol. 5, No. 11