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Researchers have been very interested in personality traits in recent years – the "big five" include openness, the spirit of consciousness, extroversion, enjoyment and neuroticism, as well as than the types of results that they can predict. For example, more neurotic people seem less happy People with a higher sense of consciousness are generally healthier and save better.
Now, a new study by researchers at Columbia Business School and University College London found that the nicer people – a characteristic exemplified by kindness, kindness, generosity and warmth – also tend to have financial results poorer than those less wealthy.
The study is published in Journal of Personality and Social Psychology.
"We wanted to know if having a nice and warm personality, what academics in personality research describe as being nice, was linked to negative financial results," Sandra Matz said in a statement. "Previous research suggested that approval was associated with lower credit ratings and lower income, and wanted to know if this association was valid for other financial indicators and, if so, better understand why the good guys seem to finish last. "
The team examined data from a variety of sources including national surveys and questionnaires, government data on insolvency rates, bank account data and online surveys. They looked for correlations between the five big personality traits and the financial results over the years.
The pleasant was the only trait significantly correlated with finances in all experiments (data sources).
One of the experiments followed people from their childhood to the next 25 years; The researchers found that people whose degree of aggression was high early in life were more likely to have financial problems later in life. This suggests that if there is a causal link, it may not be possible for the poorest finances to be gay, but rather, greater friendliness at the outset could cause financial problems in the years to come.
The pleasant in adults was also linked to a number of less desirable financial results. For example, experience has shown that people with particularly high levels of accreditation are also 50% more likely to be declared bankrupt.
But it's not that nice people are less intelligent or less able to make money, but they seem to make fun of it–so they can not handle money as well as less pleasant people. "We found that accreditation was associated with indicators of financial hardship, including a reduction in savings, higher debt and higher default rates," said the author. the study, Joe Gladstone. "This relationship seems to be motivated by the fact that nice people simply worry less about money and therefore run a higher risk of mismanagement of money."
Of course, the pleasant did not predict a financial loss all the time. This has only made things more difficult, especially for people with low incomes. "All nice people are not running the same risk of experiencing financial difficulties," Gladstone said. "The relationship was much stronger for people with low incomes, who did not have the financial means to compensate for the adverse consequences of their pleasant personality."
Study results such as this one could help financial institutions find more effective ways to help people save money. For people with higher levels of pleasure, neuroticism or awareness, different strategies may be more effective. This type of thinking is one of the reasons why psychologists and behavioral economists like to study the links between personality and results in different areas of life. While some of the ideas may seem a bit smart, they can actually do good overall.
"Our results help us understand a potential factor underlying financial hardship, which can have serious consequences for people's well-being," Matz said. "Being nice and trusting creates financial costs, especially for those who can not afford to compensate their personalities."
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Researchers have been very interested in personality traits in recent years – the "big five" include openness, the spirit of consciousness, extroversion, enjoyment and neuroticism, as well as than the types of results that they can predict. For example, more neurotic people seem less happy People with a higher sense of consciousness are generally healthier and save better.
Now, a new study by researchers at Columbia Business School and University College London found that the nicer people – a characteristic exemplified by kindness, kindness, generosity and warmth – also tend to have financial results poorer than those less wealthy.
The study is published in Journal of Personality and Social Psychology.
"We wanted to know if having a nice and warm personality, what academics in personality research describe as being nice, was linked to negative financial results," Sandra Matz said in a statement. "Previous research suggested that approval was associated with lower credit ratings and lower income, and wanted to know if this association was valid for other financial indicators and, if so, better understand why the good guys seem to finish last. "
The team examined data from a variety of sources including national surveys and questionnaires, government data on insolvency rates, bank account data and online surveys. They looked for correlations between the five big personality traits and the financial results over the years.
The pleasant was the only trait significantly correlated with finances in all experiments (data sources).
One of the experiments followed people from their childhood to the next 25 years; The researchers found that people whose degree of aggression was high early in life were more likely to have financial problems later in life. This suggests that if there is a causal link, it may not be possible for the poorest finances to be gay, but rather, greater friendliness at the outset could cause financial problems in the years to come.
The pleasant in adults was also linked to a number of less desirable financial results. For example, experience has shown that people with particularly high levels of accreditation are also 50% more likely to be declared bankrupt.
But it's not that nice people are less intelligent or less able to make money, but they seem to make fun of it–so they can not handle money as well as less pleasant people. "We found that accreditation was associated with indicators of financial hardship, including a reduction in savings, higher debt and higher default rates," said the author. the study, Joe Gladstone. "This relationship seems to be motivated by the fact that nice people simply worry less about money and therefore run a higher risk of mismanagement of money."
Of course, the pleasant did not predict a financial loss all the time. This has only made things more difficult, especially for people with low incomes. "All nice people are not running the same risk of experiencing financial difficulties," Gladstone said. "The relationship was much stronger for low-income people, who did not have the financial means to compensate for the detrimental effects of their pleasant personality."
Study results such as this one could help financial institutions find more effective ways to help people save money. For people with higher levels of pleasure, neuroticism or awareness, different strategies may be more effective. This type of thinking is one of the reasons why psychologists and behavioral economists like to study the links between personality and results in different areas of life. While some of the ideas may seem a bit smart, they can actually do good overall.
"Our results help us understand a potential factor underlying financial hardship, which can have serious consequences for people's well-being," Matz said. "Being nice and trusting creates financial costs, especially for those who can not afford to compensate their personalities."
