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<p>This study evaluated the psychometric properties of a widely used, 10-item subjective financial well-being scale (Netemeyer et al. 2018) among a diverse sample of individuals in committed relationships, including those in different-gender, same-gender, and gender minority couple relationships. Given systemic financial disparities among sexual and gender minority (SGM) populations, we examined whether this measure and its subscales (current money management stress and expected future financial security) functioned equivalently across groups. Using data from 498 participants, we assessed internal consistency, factor structure, measurement equivalence, and convergent and discriminant validity. Results supported the two-factor model, and the scale demonstrated strong reliability, measurement equivalence across relationship groups, and expected associations with financial behaviors, life satisfaction, and relationship quality. Between-group comparisons also revealed that participants in different-gender and same-gender couple relationships reported meaningfully better financial well-being than gender-minority participants in relationships. These findings suggest that this validated scale is appropriate for use with SGM individuals and can support future research and practice aimed at improving financial well-being in diverse populations.</p>

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A Psychometric Evaluation of the Perceived Financial Well-Being Scale among Individuals in Diverse Couple Relationships

  • 期刊论文

  • 发表日期：

    2026年5月30日

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  • Casey J. Totenhagen,
  • Matthew T. Saxey,
  • Heather A. Love,
  • Melissa J. Wilmarth,
  • Mallory Lucier-Greer

摘要

This study evaluated the psychometric properties of a widely used, 10-item subjective financial well-being scale (Netemeyer et al. 2018) among a diverse sample of individuals in committed relationships, including those in different-gender, same-gender, and gender minority couple relationships. Given systemic financial disparities among sexual and gender minority (SGM) populations, we examined whether this measure and its subscales (current money management stress and expected future financial security) functioned equivalently across groups. Using data from 498 participants, we assessed internal consistency, factor structure, measurement equivalence, and convergent and discriminant validity. Results supported the two-factor model, and the scale demonstrated strong reliability, measurement equivalence across relationship groups, and expected associations with financial behaviors, life satisfaction, and relationship quality. Between-group comparisons also revealed that participants in different-gender and same-gender couple relationships reported meaningfully better financial well-being than gender-minority participants in relationships. These findings suggest that this validated scale is appropriate for use with SGM individuals and can support future research and practice aimed at improving financial well-being in diverse populations.