Joyce Serido
Biographic Data
| ID | 278947 |
|---|---|
| NAME | Joyce Serido |
| GIVEN NAMES | Joyce |
| FAMILY NAME | Serido |
| SIGNATURE | SERIDO J |
| AFFILIATIONS | University of Minnesota |
| ORCID | 0000-0001-8010-2143 |
| VERIFIED | Yes |
| TOTAL WORKS | 39 |
| TOTAL CITATIONS | 205 |
| AUTHOR COUNT | 39 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2004 |
| LATEST PUBLICATION YEAR | 2025 |
| H-INDEX | 7 |
Financial Identity Scale: Testing the International Validity of Its Variable-Centered and Person-Centered Models
A robust body of research provides evidence of a strong connection between identity development and age-related functioning. A sense of financial identity may be an important precursor of adult self-sufficiency. For this reason, the study of financial identity (i.e., the answer to the question “Who am I from a financial point of view?”) as a domain-specific component of identity development during the transition to adulthood is a timely and impor…
Parental financial support and family emotional support to young adults during Covid‐19: A help or a hindrance
The present study focuses on the role of family support to young adult children during COVID‐19 in ameliorating the negative financial impact of the pandemic. Guided by the Conservation of Resources (COR) Theory of stress and coping, we conceptualize the negative financial impact due to COVID‐19 as a source of financial stress that would be associated with lower levels of both financial wellbeing and positive outlook of young adults. We rely on d…
Time To Turn Another Page
Profiles of emerging adults’ resilience facing the negative impact of Covid-19 across six countries
Although emerging adults (i.e., individuals aged 18–29 years old) may be at a lesser risk of COVID-19 severe illness and mortality, studies have found that the negative impact of COVID-19 on mental health and well-being is higher among emerging adults when compared to other age groups. The current study aimed to identify profile(s) based on resilience resources, which could help emerging adults in managing the disruptions to their lives following…
Pennies and power: Finances, relational power, and marital outcomes
Employment Disruption and Wellbeing Among Young Adults: A Cross-National Study of Perceived Impact of the Covid-19 Lockdown
Parental financial socialization, financial behaviors, and well‐being among Hong Kong young adults amid Covid ‐19
Becoming Financially Self-Sufficient: Developing a Need-Supportive and Need-Thwarting Scale for Financial Parenting of Emerging Adults
3.03, range 19-29 years; 52.3% women). The sample, diverse occupational status characteristics, was recruited from an online survey panel using the controlled quota sampling strategy. While study results provide modest evidence for a hypothesized six-factor structure and advocate instead for a more parsimonious two-dimensional one, results provide evidence for the new scale's convergent, discriminant, criterion, and incremental validity. This is …
Becoming self-sufficient: A longitudinal person-centered analysis of financial identity and adult status during emerging adulthood
Because finances play an important part in managing the demands of adult social roles, we investigate the formation of financial identity and its association with perceived adult status. Drawing from Marcia’s (1966) operationalization of four identity statuses (i.e., foreclosed, achieved, diffused, moratorium) and adapted to the financial domain, we performed Latent Transition Analysis (LTA) using longitudinal data gathered from a cohort of colle…
Financial behaviors, financial satisfaction, and goal attainment among college-educated young adults: A mediating analysis with latent change scores
The aim of the study is to investigate how 2,084 U.S. college-educated young adults (61.9% female, and 69.5% non-Hispanic White) navigated the goal attainment process during the transition to adulthood. Using four-wave data collected across eight years, we examined how financial behaviors (self-regulating behaviors) predicted both depressive symptoms (affective goal attainment evaluations) and financial obstacles to goal attainment (cognitive goa…
Does Financial Satisfaction Vary Depending on the Funding Strategy Used to Pay for College
Does Type of Financial Learning Matter for Young Adults’ Objective Financial Knowledge and Financial Behaviors? A Longitudinal and Mediation Analysis
A Cross-National Study of Covid-19 Impact and Future Possibilities Among Emerging Adults: The Mediating Role of Intolerance of Uncertainty
The present research examined the association of perceived impact of COVID-19 on emerging adults’ perceptions of their future and the potential mediating role of intolerance of uncertainty on these associations. Specifically, we investigated the associations of perceived financial impact, needed resource impact, and psychological impact on perceptions of future life and financial future. Using online survey data from emerging adults ( N = 1768) l…
Romantic Attachment Orientations, Financial Behaviors, and Life Outcomes Among Young Adults: A Mediating Analysis of a College Cohort
Weathering Economic Shocks and Financial Uncertainty: Here We Go Again
The Financial Identity Scale (FIS): A multinational validation and measurement invariance study among emerging adults
The transition from financial dependence on one’s parents to financial self-sufficiency is one of the most relevant transitions during emerging adulthood. It is important to have an instrument able to assess emerging adults’ financial capabilities and to detect its change over time. The current article aims to collect international evidence of the Financial Identity Scale (FIS) validity and reliability. Cross-sectional data collected from 2,501 e…
Introduction to Special Issue Financial and life instability: Obstacles to and opportunities for emerging adult development and future well-being
Current global economic instability has exacerbated the challenges of contemporary emerging adulthood and increased the urgency of examining financial instability as a life condition during this life stage. For this special issue, we assembled eight papers from different countries to examine how emerging adults are navigating financial instability. In the current introduction to the special issue, we identified the main themes that emerged from t…
Launching a Text Message Intervention to Assist Student Loan Borrowers with Repayment Decisions
Student loan debt has become a financial burden for many young adults in the United States. Previous research has found that many college student borrowers do not understand repayment terms and options. This multistate collaboration among Cooperative Extension Specialists sought to develop a way of supporting and informing recent college graduates on the process of student loan repayment. Text messaging was used as the intervention strategy. The …
The Lengthening Transition to Adulthood: Financial Parenting and Recentering during the College-to-Career Transition
Using longitudinal data collected from a college cohort in the United States ( N = 922), we examined the associations between systemic and structural factors (gender, race/ethnicity, family SES, and first-generation college status), financial parenting (teaching, and modeling behavior), and emerging adults' financial behavior. We conducted a series of one-way repeated measure ANOVA analyses (GLM) to assess patterns of average change in financial …
Financial Behavior Change and Progress Toward Self-Sufficiency: A Goal-Framing Theory Application
We applied goal-framing theory to determine whether there were discernible patterns in emerging adults’ financial behavior from college to career and whether those patterns were associated with progress toward self-sufficiency. Using longitudinal data collected over 5 years from a college cohort of emerging adults ( N = 968) in the United States, we estimated latent growth curve models and identified three financial-behavior patterns suggestive o…
Subjective Financial Well-Being During Emerging Adulthood: The Role of Student Debt
In this study, we examined (1) the effect of changes in outstanding student debt on trajectories of subjective financial well-being (SFWB) over time and (2) how these trajectories vary according to family socioeconomic and emerging adult financial factors. We used three waves of longitudinal data from the Arizona Pathways to Life Success for University Students (APLUS) study and used growth curve models to analyze the data. Net of family socioeco…
Financial Stress and Drinking During the Transition to Adulthood: The Role of Parental Financial Support
We investigated the concurrent and prospective associations between financial stress and drinking during the transition to adulthood in the United States, drawing from two distinct stress and coping perspectives as competing explanations for the direction of associations: the Transaction Model of Stress (TMS) and the Conservation of Resources (CoR) model. Because many emerging adults rely on continuing financial support from parents, we examined …
Using the Expectancy-Value Theory to Understand Emerging Adult’s Financial Behavior and Financial Well-Being
Using expectancy-value theory as a framework, we examined the independent effects of both early parental and personal financial expectations and values on emerging adults’ later financial behaviors and financial well-being during the college-to-career transition. Data were collected at three time points over 8 years from a cohort of college-educated emerging adults ( N = 754 participants from a larger longitudinal study). The main finding showed …
Do Community Characteristics Relate to Young Adult College Students’ Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy
This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data ( N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average…
Predictors of Financial Identity Development in Emerging Adulthood
To explore how emerging adults grapple with the increasing demands of fiscal responsibility, the present study tests a model of identity formation in the domain of finance. We draw on Erikson’s theory of identity formation as operationalized by Marcia’s identity status model, which details four identity statuses: achieved, foreclosed, moratorium, and diffused. A sample of college students ( N = 1,511) were surveyed at two time points: in their fi…
Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education
Chronic Stressors and Daily Hassles: Unique and Interactive Relationships with Psychological Distress
Using daily telephone interviews of a U.S. national sample of adults, aged 25-74 (N = 1,031), the present analyses draw from theories of the stress process and recent research to examine how chronic role-related stressors and daily hassles affect psychological distress. Four separate hypotheses are examined. The first explores the association between chronic stressors and daily hassles. The second tests whether daily hassles function as an interv…
Do Daily Stress Processes Account for Socioeconomic Health Disparities
Findings suggest the importance of considering variation across stressors, particularly implications for self-concept, in understanding sources of differential stressor vulnerability
Good days, bad days: Do sacrifices improve relationship quality
We utilized interdependence theory and conservation of resources to understand how relational sacrifices and hassles impact positive relationship quality constructs (i.e., satisfaction, closeness, and commitment) in romantic relationships ( N = 164 couples; 328 individuals). Using daily diary data to examine actor and partner effects, we found that individuals' sacrifices were positively linked with their own commitment but not with satisfaction …
Moving Beyond Youth Voice
This study combines research documenting the benefits of positive relationships between youth and caring adults on a young person's positive development with studies on youth voice to examine the mechanisms through which participation in youth programs contributes to positive developmental outcomes. Specifically, the study explores whether youth's perceived quality relationships with adults contribute to strengthening of youth voice and in turn h…
The calm after the storm: Relationship length as associated with couples’ daily variability
We examined whether seven relational constructs (satisfaction, commitment, closeness, conflict, ambivalence, maintenance, and love) showed significant within-person residual variance over time (variability), whether couple members were similar in their variability (covariation), and whether variability and covariation differed by relationship length. We used dyadic daily diary data from 157 couples together from 2 months to 44 years. Each relatio…
From program participant to engaged citizen: A developmental journey
American youth who participate in both school‐based and community‐based programs during high school remain more civically engaged than their contemporaries throughout adulthood. However, few studies have examined the developmental processes through which participation in a youth directed program promotes civic responsibility. In this qualitative study, 23 males and 9 females took part in one of five focus groups to talk about their experiences as…
A Consumer Way of Thinking: Linking Consumer Socialization and Consumption Motivation Perspectives to Adolescent Development
With the advent of Internet technology and rapidly changing consumer environments, the societal role played by today's adolescents is significantly increasing. They are becoming more influential, not merely as consumers of products and services but also as coproducers in the marketplace. In this paper, we contend that consumption is central to the adolescent experience, influencing their values, motivation, and attitudes, and ultimately shaping t…
Ethnic Minority Youth in Youth Programs: Feelings of Safety, Relationships With Adult Staff, and Perceptions of Learning Social Skills
The authors examine perceptions that young people hold regarding their participation in community-based youth programs. Specifically, this study assesses young people's sense of psychological safety, their relationships with adult staff, their learning of social skills, and how different ethnic groups experience these factors. Data for the study come from a national evaluation study of youth programs. Participants in this study include 272 White,…
Do Community Characteristics Relate to Young Adult College Students’ Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy
This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data ( N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average…
The ant and the grasshopper revisited: The present psychological benefits of saving and future oriented financial behaviors
The Lengthening Transition to Adulthood: Financial Parenting and Recentering during the College-to-Career Transition
Using longitudinal data collected from a college cohort in the United States ( N = 922), we examined the associations between systemic and structural factors (gender, race/ethnicity, family SES, and first-generation college status), financial parenting (teaching, and modeling behavior), and emerging adults' financial behavior. We conducted a series of one-way repeated measure ANOVA analyses (GLM) to assess patterns of average change in financial …
Attitudes to debt among indebted undergraduates: A cross-national exploratory factor analysis
Breaking Down Potential Barriers to Continued Program Participation
Participation in youth programming fosters positive developmental outcomes for youth, yet recruitment and retention are ongoing challenges. Given the imbalance in rates of participation of ethnic minority youth, compared with White youth, it is important to gain a greater understanding of the contextual factors that promote or inhibit participation. In this study, the authors considered whether elements of positive youth programming, specifically…
Launching a Text Message Intervention to Assist Student Loan Borrowers with Repayment Decisions
Student loan debt has become a financial burden for many young adults in the United States. Previous research has found that many college student borrowers do not understand repayment terms and options. This multistate collaboration among Cooperative Extension Specialists sought to develop a way of supporting and informing recent college graduates on the process of student loan repayment. Text messaging was used as the intervention strategy. The …
Prospective Effects of Family Cohesion on Alcohol-Related Problems in Adolescence: Similarities and Differences by Race/Ethnicity
Chronic Stressors and Daily Hassles: Unique and Interactive Relationships with Psychological Distress
Using daily telephone interviews of a U.S. national sample of adults, aged 25-74 (N = 1,031), the present analyses draw from theories of the stress process and recent research to examine how chronic role-related stressors and daily hassles affect psychological distress. Four separate hypotheses are examined. The first explores the association between chronic stressors and daily hassles. The second tests whether daily hassles function as an interv…
Do Daily Stress Processes Account for Socioeconomic Health Disparities
Findings suggest the importance of considering variation across stressors, particularly implications for self-concept, in understanding sources of differential stressor vulnerability
From program participant to engaged citizen: A developmental journey
American youth who participate in both school‐based and community‐based programs during high school remain more civically engaged than their contemporaries throughout adulthood. However, few studies have examined the developmental processes through which participation in a youth directed program promotes civic responsibility. In this qualitative study, 23 males and 9 females took part in one of five focus groups to talk about their experiences as…
Ethnic Minority Youth in Youth Programs: Feelings of Safety, Relationships With Adult Staff, and Perceptions of Learning Social Skills
The authors examine perceptions that young people hold regarding their participation in community-based youth programs. Specifically, this study assesses young people's sense of psychological safety, their relationships with adult staff, their learning of social skills, and how different ethnic groups experience these factors. Data for the study come from a national evaluation study of youth programs. Participants in this study include 272 White,…
Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education
A Consumer Way of Thinking: Linking Consumer Socialization and Consumption Motivation Perspectives to Adolescent Development
With the advent of Internet technology and rapidly changing consumer environments, the societal role played by today's adolescents is significantly increasing. They are becoming more influential, not merely as consumers of products and services but also as coproducers in the marketplace. In this paper, we contend that consumption is central to the adolescent experience, influencing their values, motivation, and attitudes, and ultimately shaping t…
Moving Beyond Youth Voice
This study combines research documenting the benefits of positive relationships between youth and caring adults on a young person's positive development with studies on youth voice to examine the mechanisms through which participation in youth programs contributes to positive developmental outcomes. Specifically, the study explores whether youth's perceived quality relationships with adults contribute to strengthening of youth voice and in turn h…
The ant and the grasshopper revisited: The present psychological benefits of saving and future oriented financial behaviors
A developmental model of financial capability: A framework for promoting a successful transition to adulthood
This study proposes a developmental model of financial capability to understand the process by which young adults acquire the financial knowledge and behaviors needed to manage full-time adult social roles and responsibilities. The model integrates financial knowledge, financial self-beliefs, financial behavior, and well-being into a single financial decision-making process. With two-time longitudinal survey data from college students ( N = 1,511…
Good days, bad days: Do sacrifices improve relationship quality
We utilized interdependence theory and conservation of resources to understand how relational sacrifices and hassles impact positive relationship quality constructs (i.e., satisfaction, closeness, and commitment) in romantic relationships ( N = 164 couples; 328 individuals). Using daily diary data to examine actor and partner effects, we found that individuals' sacrifices were positively linked with their own commitment but not with satisfaction …
Breaking Down Potential Barriers to Continued Program Participation
Participation in youth programming fosters positive developmental outcomes for youth, yet recruitment and retention are ongoing challenges. Given the imbalance in rates of participation of ethnic minority youth, compared with White youth, it is important to gain a greater understanding of the contextual factors that promote or inhibit participation. In this study, the authors considered whether elements of positive youth programming, specifically…
Attitudes to debt among indebted undergraduates: A cross-national exploratory factor analysis
Prospective Effects of Family Cohesion on Alcohol-Related Problems in Adolescence: Similarities and Differences by Race/Ethnicity
Predictors of Financial Identity Development in Emerging Adulthood
To explore how emerging adults grapple with the increasing demands of fiscal responsibility, the present study tests a model of identity formation in the domain of finance. We draw on Erikson’s theory of identity formation as operationalized by Marcia’s identity status model, which details four identity statuses: achieved, foreclosed, moratorium, and diffused. A sample of college students ( N = 1,511) were surveyed at two time points: in their fi…
The calm after the storm: Relationship length as associated with couples’ daily variability
We examined whether seven relational constructs (satisfaction, commitment, closeness, conflict, ambivalence, maintenance, and love) showed significant within-person residual variance over time (variability), whether couple members were similar in their variability (covariation), and whether variability and covariation differed by relationship length. We used dyadic daily diary data from 157 couples together from 2 months to 44 years. Each relatio…
Do Community Characteristics Relate to Young Adult College Students’ Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy
This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data ( N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average…
Financial Stress and Drinking During the Transition to Adulthood: The Role of Parental Financial Support
We investigated the concurrent and prospective associations between financial stress and drinking during the transition to adulthood in the United States, drawing from two distinct stress and coping perspectives as competing explanations for the direction of associations: the Transaction Model of Stress (TMS) and the Conservation of Resources (CoR) model. Because many emerging adults rely on continuing financial support from parents, we examined …
Using the Expectancy-Value Theory to Understand Emerging Adult’s Financial Behavior and Financial Well-Being
Using expectancy-value theory as a framework, we examined the independent effects of both early parental and personal financial expectations and values on emerging adults’ later financial behaviors and financial well-being during the college-to-career transition. Data were collected at three time points over 8 years from a cohort of college-educated emerging adults ( N = 754 participants from a larger longitudinal study). The main finding showed …
Financial Behavior Change and Progress Toward Self-Sufficiency: A Goal-Framing Theory Application
We applied goal-framing theory to determine whether there were discernible patterns in emerging adults’ financial behavior from college to career and whether those patterns were associated with progress toward self-sufficiency. Using longitudinal data collected over 5 years from a college cohort of emerging adults ( N = 968) in the United States, we estimated latent growth curve models and identified three financial-behavior patterns suggestive o…
Subjective Financial Well-Being During Emerging Adulthood: The Role of Student Debt
In this study, we examined (1) the effect of changes in outstanding student debt on trajectories of subjective financial well-being (SFWB) over time and (2) how these trajectories vary according to family socioeconomic and emerging adult financial factors. We used three waves of longitudinal data from the Arizona Pathways to Life Success for University Students (APLUS) study and used growth curve models to analyze the data. Net of family socioeco…
Romantic Attachment Orientations, Financial Behaviors, and Life Outcomes Among Young Adults: A Mediating Analysis of a College Cohort
Weathering Economic Shocks and Financial Uncertainty: Here We Go Again
The Financial Identity Scale (FIS): A multinational validation and measurement invariance study among emerging adults
The transition from financial dependence on one’s parents to financial self-sufficiency is one of the most relevant transitions during emerging adulthood. It is important to have an instrument able to assess emerging adults’ financial capabilities and to detect its change over time. The current article aims to collect international evidence of the Financial Identity Scale (FIS) validity and reliability. Cross-sectional data collected from 2,501 e…
Introduction to Special Issue Financial and life instability: Obstacles to and opportunities for emerging adult development and future well-being
Current global economic instability has exacerbated the challenges of contemporary emerging adulthood and increased the urgency of examining financial instability as a life condition during this life stage. For this special issue, we assembled eight papers from different countries to examine how emerging adults are navigating financial instability. In the current introduction to the special issue, we identified the main themes that emerged from t…
Launching a Text Message Intervention to Assist Student Loan Borrowers with Repayment Decisions
Student loan debt has become a financial burden for many young adults in the United States. Previous research has found that many college student borrowers do not understand repayment terms and options. This multistate collaboration among Cooperative Extension Specialists sought to develop a way of supporting and informing recent college graduates on the process of student loan repayment. Text messaging was used as the intervention strategy. The …
Psychology (37 works) · Developmental psychology (26 works) · Finance (23 works) · Social Psychology (22 works) · Financial Literacy, Pension, Retirement Analysis (19 works) · Economics (17 works) · Psychological Well-being and Life Satisfaction (15 works) · Social Psychology (13 works) · Medicine (10 works) · Political science (10 works)