探討生涯發展、理財認知、理財行為與幸福感之關係

近幾年受COVID-19疫情及俄烏戰爭影響，國際能源及糧食價格上升。因應通貨膨脹的壓力，許多國家央行採用升息與貨幣緊縮的政策，以舒緩物價上漲壓力，金融市場亦面臨大幅修正。而生育率下降與退休族群增加，造成國內退休基金支出大於收入。在未來可能面臨經濟衰退、退休金減少的情況下，國人如何過好生活，是一個值得研究的議題。本研究目的在探討生涯發展、理財認知、理財行為與幸福感之關係。採用問卷調查方式，針對國內成年人，以便利及滾雪球抽樣，蒐集374份樣本數，並使用SPSS軟體進行統計分析。研究結果顯示： (1)生涯發展對理財認知有部分正向影響。 (2)生涯發展對理財行為有部分正向影響。 (3)理財認知對理財行為有正向影響。 (4)生涯發展對幸福感有部分正向影響。 (5)理財行為對幸福感有部分正向影響。若能提升生涯發展，強化專業能力，學習理財知識，以進行理財行為，可有效提升自己的幸福感。針對上述研究結果，本研究亦提出具體建議，供讀者參考。

關鍵字

生涯發展；理財認知；理財行為；幸福感

並列摘要

In recent years, affected by the COVID-19 epidemic and the war between Russia and Ukraine, international energy and food prices have risen. In response to inflationary pressures, central banks in many countries have adopted policies of raising interest rates and tightening monetary policy to ease the pressure of rising prices, and financial markets are also facing a sharp correction. The decline in the birth rate and the increase in the number of retirees have caused domestic retirement fund expenditures to exceed income. With the possibility of economic recession and reduced pensions in the future, how to live a good life is a topic worth studying. The purpose of this study is to explore the relationship between career development, financial cognition, financial behavior and happiness. A questionnaire survey was used to collect 374 samples of domestic adults by means of convenience and snowball sampling, and statistical analysis was carried out using SPSS software. Research results reveal: (1) Career development has a partial positive impact on financial cognition. (2) Career development has a partial positive impact on financial behavior. (3) Financial cognition has a positive impact on financial behavior. (4) Career development has a partial positive impact on happiness. (5) Financial behaviors has a partial positive impact on happiness. If people can improve their career development, strengthen professional ability, learn financial knowledge, and carry out financial behaviors, they can effectively improve their sense of happiness. According to the above research results, this study also provides specific suggestions for readers' reference.