Today, adult children depend financially on their parents more than ever before. This poses challenges for the financial well-being of parents, particularly in the context of retirement planning. Our research investigates the crossover of financial anxiety from adult children to their parents and its impact on parents' retirement intentions. Drawing on crossover theory and the resource-based view of retirement, we examine the mechanisms underlying this stress crossover. Across three studies (Studies 1a, 1b, and 2) conducted in developed economies, we found that adult children's financial anxiety was associated with their parents' delayed retirement intentions through an increase in their parents' own financial anxiety. Study 3, conducted in a developing economy, further established that financial stress crossover occurred primarily through an increase in social undermining and financial expenditure, although these mechanisms do not translate into delayed retirement intentions. Our work contributes to the stress-crossover literature by testing different mechanisms of stress crossover and highlighting how children's financial anxiety might "trickle-up" to affect their parents' stress and important life decisions. (PsycInfo Database Record (c) 2024 APA, all rights reserved).

中文翻译：

---

儿童财务焦虑对父母退休意愿的涓滴效应。


今天，成年子女在经济上比以往任何时候都更加依赖父母。这给父母的财务状况带来了挑战，尤其是在退休规划方面。我们的研究调查了财务焦虑从成年子女到父母的交叉及其对父母退休意愿的影响。借鉴交叉理论和基于资源的退休观点，我们研究了这种压力交叉背后的机制。在发达经济体进行的三项研究（研究 1a、1b 和 2）中，我们发现成年子女的财务焦虑与父母延迟退休的意愿有关，这是通过父母自身财务焦虑的增加来实现的。在发展中经济体进行的研究 3 进一步确定，财务压力交叉主要是通过社会破坏和财务支出的增加发生的，尽管这些机制并未转化为延迟退休意愿。我们的工作通过测试压力交叉的不同机制并强调儿童的财务焦虑如何“涓滴”影响父母的压力和重要的生活决定，为压力交叉文献做出了贡献。（PsycInfo 数据库记录 （c） 2024 APA，保留所有权利）。