When I First Learned about Retirement: Financial and Retirement Concept Recognition among College Students

It has long been argued that financial literacy education should begin in childhood or adolescence, but little is currently known about the ages at which individuals come to understand basic retirement and financial planning concepts. The primary goal of the present investigation is to provide data that reflect the reported ages at which key general and technical retirement planning concepts are acquired. A secondary goal is to identify individual difference dimensions—including one’s financial literacy level and early parental learning experiences—that are associated with the age at which key concepts are reportedly acquired. Retrospective reports obtained from a sample of 646 college students revealed that an understanding of general concepts was widespread and took place during the pre-teen and early teenage years. Understanding of the technical concepts was suboptimal, however. Nearly half of the sample were unfamiliar with most of the technical terms. Among those who were familiar with the technical concepts, learning reportedly occurred later in adolescence. Understanding of both sets of concepts was linked to higher financial literacy scores and saving lessons learned during childhood from one’s parents. Results have implications for financial literacy intervention programs designed to target children, adolescents, and young adults.     

Sex-role attitudes,identities, and political ideology

This study examines whether sex-role identities and attitudes toward sex roles are part of a more general liberal—conservative dimension of political ideology. Survey data are analyzed from two independent random samples of Indiana University students in 1974–1975. Sex-role attitudes are measured by two scales, dealing with evaluations of the traditional sex-based division of labor and levels of sex-stereotyping of various tasks. The Bem Sex Role Inventory is used to measure respondents' sex-role identities. Those who score more liberal or flexible on each measure of sex-role attitudes are also very likely to hold liberal political attitudes. These correlations are strong and consistent enough to indicate that sex-role attitudes fit into a more general liberal—conservative ideology, at least among college students. Correlations between sex-role identities and political attitudes are much weaker. Among men, liberal political attitudes are associated with a more flexible (androgynous) sex-role identity; among women, in contrast, liberal political attitudes are related more consistently to a more traditionally masculine sex-role identity.We gratefully acknowledge the assistance of the Indiana University Women's Studies Program, Michael A. Maggiotto, Christine Williams, and especially Barbara Allen for her insightful comments and capable data analysis.     

Demographic Indicators as Predictors of Future Time Perspective

The present investigation examined the relationships between five demographic variables (age, sex, income, marital status, and education) and future time perspective. From a theoretical perspective, these demographic indicators were conceptualized as proxy measures for the social forces that influence the adult expression of this personality dimension. Data were drawn from six investigations in which a brief measure of future time perspective (Hershey and Mowen in The Gerontologist 40:687–697, 2000) had been administered to one thousand four hundred and ninety eight individuals. Higher future time perspective scores (i.e., longer future orientations) were associated with being male, increased age, income, and educational level. These main effects, however, were mitigated by a significant three-way interaction among sex, age, and level of education. These findings suggest that a complex interplay of variables is responsible for the expression of personality traits at the individual level.     

The theory of "truth": how counterindustry campaigns affect smoking behavior among teens.

This study used structural equation modeling to test a theory-based model of the pathways by which exposure to the "truth" counterindustry media campaign influenced beliefs, attitudes, and smoking behavior in national random-digit-dial telephone surveys of 16,000 12- to 17-year-olds before, 8 months after, and 15 months after campaign launch. Consistent with concepts from the theory of reasoned action, youth in markets with higher levels of campaign exposure had more negative beliefs about tobacco industry practices and more negative attitudes toward the tobacco industry. Models also provided support for a social inoculation effect, because negative industry attitudes were associated with lower receptivity to protobacco advertising and with less progression along a continuum of smoking intentions and behavior.     

Predictors of Improvement in Pediatric Chronic Migraine: Results from the Cognitive-Behavioral Therapy and Amitriptyline Trial

Explore predictors of improvement in headache days and migraine-related disability through a secondary analysis of the cognitive-behavioral therapy plus amitriptyline trial in children and adolescents (Clinical Trials Registration Number: NCT00389038). Participants were 135 youth aged 10–17 years old diagnosed with chronic migraine. Predictor variables included group assignment (treatment or control), baseline scores from depression and quality of life measures, and demographic variables. Criterion variables included headache days and migraine-related disability. Higher baseline depression scores were indicative of more days with headache post-treatment regardless of group assignment. Family income at the higher-end of the low-income range was significantly associated with less migraine-related disability regardless of group assignment (Household Income: HINC-01 in The United States Census Bureau. Bureau, U, 2020). Results from this secondary analysis identify depression symptoms and family income as predictors that can impact headache frequency and migraine-related disability. Self-reported symptoms of depression and family income are important factors to consider as part of the biopsychosocial model of care.