This paper provides insights into young adults' financial habits and decision-making considerations as they enter the workforce. We use 28 semi-structured interviews with Australian university graduates to explore how their motivation to engage with personal finances and their subjective financial literacy, i.e., self-reported, support healthy financial habits. Our findings show that a young adult's social context and exposure to financial hardship rather than their financial confidence determine the health of their financial habits. We observed research participants in a romantic partnership as more focused on their future. This future focus motivates them to engage more with their finances and manifests as explicit goal setting, formal budgeting, or adherence to strict bucket systems. These insights might be useful for policymakers and educators: social context matters when designing financial health interventions, while financial education programs predominately should aim at demystifying complex long-term financial decision-making such as investments and retirement.

中文翻译：

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年轻人的健康财务习惯：主观财务素养、财务参与和财务决策之间关系的探索性研究

本文提供了对年轻人进入劳动力市场时的财务习惯和决策考虑因素的见解。我们对 28 名澳大利亚大学毕业生进行了半结构化访谈，以探索他们参与个人理财的动机和他们的主观理财知识，即自我报告，如何支持健康的理财习惯。我们的研究结果表明，决定年轻人财务习惯是否健康的是他们的社会背景和经济困难程度，而不是他们的财务信心。我们观察到处于恋爱关系中的研究参与者更加关注他们的未来。这种对未来的关注促使他们更多地关注自己的财务，并表现为明确的目标设定、正式的预算编制或遵守严格的桶系统。