Parental Perceptions of Children's Financial Socialization

Sharon M. Danes

 Published in : Financial Counseling and Planning, Volume 5, 1994

Twenty-seven financial items were included in a questionnaire and 182
parents responded to the age they felt is most appropriate to share that
family financial information or be involved in the financial activity. The
most consensus was among parents as to what the very young are
ready to learn and that children approximately 18 are ready for credit
experiences. The items related to knowing about family income,
savings, and indebtedness had the highest percentage of parents
believing children should never know about that information. Most of
the parents believed that children ages 12 to 14 and 15 to 17 were
ready to be involved in family finances. However, most parents
thought children were not ready to establish their own financial
credibility or a credit history and build assets until 18 years of age or
older.
KEY WORDS: children and money, financial socialization, parents and
children's money
Parents may expect their older children to be financially independent
but Danes and Hira (1987) found that they have little financial
knowledge to draw upon. In that study, college students had low levels
of knowledge in insurance, credit cards, and overall financial
management areas. They only knew general facts about money
management topics, but lacked knowledge in specifics. One wonders,
then, how much money management knowledge and attitudes about
money are transferred from parents to children within families.
Literature about the financial socialization of children or the transfer of
financial attitudes, values, standards, or behaviors within the context of . . . . . ... (baca_selengkapnya)  

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