An individual might have a net worth of $10,000 and believe they are in great shape financially, while another individual might have $100,000 and feel otherwise. Could personality explain this disparity between perception and reality of their financial situation? This study answers this research question using data from the 2018 Health and Retirement Study (HRS). Findings from this study show that conscientious and extraverted consumers believe they are doing better than they are. Conversely, consumers who exhibit traits relating to neuroticism, openness to experience, and agreeableness think their financial situation is worse than it is. These findings have implications for consumers, professional advisors, and policymakers.

中文翻译：

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财务状况的认知与现实：人格特质在美国的作用

一个人可能拥有 10,000 美元的净资产，并相信自己的财务状况良好，而另一个人可能拥有 100,000 美元，但感觉并非如此。性格能否解释他们对财务状况的认知与现实之间的差异？本研究使用 2018 年健康与退休研究 (HRS) 的数据回答了这一研究问题。这项研究的结果表明，尽责且外向的消费者相信他们做得比实际情况更好。相反，表现出神经质、体验开放性和随和性等特征的消费者认为他们的财务状况比实际情况更糟。这些发现对消费者、专业顾问和政策制定者都有影响。