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AN EXPLORATION OF THE FINANCIAL SITUATIONS FACED BY LOW-INCOME OLDER ADULTS AND STRATEGIES FOR HANDLING FINANCES

机译:低收入老年人面临的财务状况和处理财务的策略的探讨

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摘要

Three-quarters of U.S. low-income older adults experience financial strain, defined as difficulty paying monthly bills, which increases risk for earlier mortality and disability. This study conducted in-depth individual interviews using a semi-structured interview guide to 1) describe the financial situations of low-income older adults and 2) explore the strategies they prefer and they use to handle finances. We used qualitative content analysis to identify and describe key themes in participant responses. Among 11 urban, community-dwelling participants ages ≥65 years, nine were female and nine were African American. Most reported financial strain and had experienced a recent unexpected financial challenge, including a large unexpected expense or loss of income. Key themes emerged regarding how they handled their financial situation. “I have to budget” reflects the time and effort spent planning and prioritizing needs. “I know what I need” describes how participants typically buy essentials, such as staples, but not clothing, foods they liked, and sometimes heat. “I lowered my standards” describes stretching money by selecting cheaper items. “Get help if you just reach out” explores strategies such as arranging payment plans for large expenses. “So, that’s where things are” explores how strategies commonly preferred for handling financial challenges, such as using public benefits programs, were typically different from strategies actually used by participants, such as using credit cards. These findings can inform the development of policies and programs that meet the financial needs of low-income older adults, complement their existing resources and are aligned with their preferences.
机译:美国四分之三的低收入老年人遇到财务压力,这被定义为难以每月支付账单,这增加了更早死亡和残疾的风险。这项研究使用半结构化的访谈指南进行了深入的个人访谈,以:1)描述低收入老年人的财务状况; 2)探索他们偏爱的策略以及他们用来处理财务状况的策略。我们使用定性内容分析来识别和描述参与者响应中的关键主题。在11位年龄≥65岁的城市居民社区参与者中,有9位是女性,另外9位是非裔美国人。大多数报告的财务紧张,并且最近经历了意外的财务挑战,包括大量意外费用或收入损失。有关如何处理财务状况的关键主题浮出水面。 “我必须预算”反映了计划和确定需求优先级所花费的时间和精力。 “我知道我需要的东西”描述了参与者通常如何购买必需品,例如主食,而不是衣物,他们喜欢的食物,有时还包括热量。 “我降低了标准”描述了通过选择便宜的商品来节省金钱。 “只要您伸出援助之手,就获得帮助”探讨了一些策略,例如安排大笔费用的付款计划。 “因此,事情就在这里”,探讨了通常用于应对财务挑战的策略(例如使用公益计划)与参与者实际使用的策略(例如使用信用卡)通常有何不同。这些发现可为满足低收入老年人的财务需求,补充其现有资源并符合其偏好的政策和计划的制定提供信息。

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  • 期刊名称 other
  • 作者单位
  • 年(卷),期 -1(2),Suppl 1
  • 年度 -1
  • 页码 319
  • 总页数 1
  • 原文格式 PDF
  • 正文语种
  • 中图分类
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  • 入库时间 2022-08-21 11:06:30

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