Financial literacy is positively associated with intelligence, with typically moderate to large effect sizes across studies. The magnitude of the effect, however, has not yet been estimated meta-analytically. Such results suggest financial literacy may be conceptualised as a possible cognitive ability within the Cattel-Horn-Carroll (CHC) model of cognitive abilities. Consequently, we present a psychometric meta-analysis that estimated the true score correlation between cognitive ability and financial literacy. We identified a large, positive correlation with general intelligence (r’ = .62; k = 64, N = 62,194). We also found that financial literacy shared a substantial amount of variance with quantitative knowledge (Gq; via numeracy; r’ = .69; k = 42, N = 35,611), comprehension knowledge (crystallised intelligence; Gc; r’ = .48; k = 14, N = 10,835), and fluid reasoning (fluid intelligence; Gf; r’ = .48; k =20, N = 15,101). Furthermore, meta-analytic structural equation modelling revealed Gq partially mediated the association between cognitive ability (excluding Gq) and financial literacy. Additionally, both Gc and Gq had significant direct effects on financial literacy, whereas the total effect of Gf on financial literacy was fully mediated by a combination of Gc and Gq. While the meta-analyses provide preliminary support for the potential inclusion of financial literacy as primarily a Gc or Gq ability within the CHC taxonomy (rather than Gf), the review revealed that very few studies employed comprehensive cognitive ability measures and/or psychometrically robust financial literacy tests. Consequently, the review highlighted the need for future factor analytic research to evaluate financial literacy as a candidate for inclusion in the CHC taxonomy.

金融素养与智力呈正相关，在各项研究中通常具有中等到大的影响大小。然而，尚未通过荟萃分析来估计其影响的程度。这些结果表明，金融素养可以被概念化为 Cattel-Horn-Carroll (CHC) 认知能力模型中的一种可能的认知能力。因此，我们提出了一项心理测量荟萃分析，该分析估计了认知能力和金融素养之间的真实分数相关性。我们发现与一般智力存在很大的正相关性（r ' = .62；k = 64，N = 62,194）。我们还发现，金融素养与定量知识（Gq；via numeracy；r' = .69；k = 42，N = 35,611），理解知识（结晶智力；Gc；r' = .48；k = 14，N = 10,835）和流体推理（流体智力；Gf；r' = .48；k =20 ） ，N = 15,101）。此外，荟萃分析结构方程模型显示Gq部分介导了认知能力（不包括Gq）和金融素养之间的关联。此外，Gc和Gq对金融素养有显着的直接影响，而Gf对金融素养的总影响完全由Gc和Gq的组合调节。虽然荟萃分析为将金融素养作为主要的Gc或Gq能力纳入 CHC 分类法（而不是Gf）提供了初步支持，但审查显示，很少有研究采用全面的认知能力测量和/或心理测量上稳健的金融能力。识字测试。因此，该审查强调未来需要进行因素分析研究来评估金融素养作为纳入 CHC 分类法的候选者。