Gender Differences in Perception of Spending and Financial Risk Aversion
Previous studies have indicated significant relationships between the spending habits of individuals and those of their parents. However, studies have indicated mixed findings as to whether parents tend to teach differing financial lessons to their children depending upon their child’s gender. Some studies suggest this finding, indicating a dichotomy between the financial behaviors of men versus women while other studies do not replicate this finding. This study attempted to determine whether there was a gender difference between individuals’ perception of spending/saving and their willingness to take on financial risk. The findings indicated that there was a significant difference between how men and women perceived themselves and others as spenders/savers. Additionally, the findings also indicated that women tended to be more financially risk averse than men; however, the difference was not significant.
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