Articlegreen1994

Perceived Saving Motives and Hierarchical Financial Needs

92 citations0/0 files storedJournal of Media Literacy Education

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Financial Literacy, Pension, Retirement Analysis Decision-Making and Behavioral Economics Financial Literacy and Behavior

Abstract

Data from the 1986 Survey of Consumer Finances were used to analyze perceived saving motives. The results of Chi-square tests indicated that perceived saving motives were different in terms of the household's home ownership, marital status, number of children, life cycle stage, employment status, income, asset and debt categories, net worth, and the head's gender and education. Differences found in perceived saving motives suggested some hierarchical associations among various financial needs perceived by the consumers. Findings have implications for financial counseling and planning practitioners and educators. © 1994, AFCPE.

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References

1997Motivation and Personality 1976A New Approach to Consumer Theory 1988THE BEHAVIORAL LIFE‐CYCLE HYPOTHESIS 1986Life Cycle, Individual Thrift, and the Wealth of Nations 1958A Theory of the Consumption Function 1974Existence, Relatedness, and Growth: Human Needs in Organizational Settings.1993The Winner's Curse: Paradoxes and Anomalies of Economic Life.1991The economic organization of the household

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