Spring, 2016 - Fall, 2016: Wave 4 Launch
Fall, 2012 - Spring, 2013 Wave 3 Launch
Wave 3: Adaptation and Resilience in Financial, Career, and Life Success Among Young Adults.
The Wave 3 study examined how life choices and opportunities facing today's young adults contribute to, or detract from, personal, financial, and career well-being.
- APLUS Wave 3 Report, June, 2014
- APLUS Wave 2 Report, September, 2011
- APLUS National Press Release, February 10, 2010
- APLUS Wave 1.5 Report, January, 2010
- APLUS National Press Release, May 4, 2009
- APLUS Wave 1.0 Report, April, 2009
Academic Journal Publications and Manuscripts:
Serido, J., Curran, M. A., Wilmarth, M., Ahn, S. Y., Shim, S., & Ballard, J. (2015). The unique role of parents and romantic partners on young adults’ financial attitudes and behaviors. Family Relations, 64(5), 696-710.
Shim, S., Serido, J., Tang, C., & Card, N. (2015). Socialization processes and pathways to healthy financial development for young adults. Journal of Applied Developmental Psychology, 38, 29-38.
Xiao, J. J., Ahn, S.Y., Serido, J., Shim, S. (2014). Earlier financial literacy and later financial behaviour of college students. International Journal of Consumer Studies, 38, 593-601.
Serido, J., Shim, S., Xiao, J. J., Card, N., & Tang, C. (2014). Financial adaptation among college students: Helping students cope with financial strain. Journal of College Student Development, 55(3), 310-316.
Serido, J., Shim, S., &Tang, C. (2013). A framework for promoting financial capability among young adults. International Journal of Behavioral Development, 37 (4), 287-297.
Shim, S., Serido, J., Bosch, L. & Tang, C. (2013). Financial identity styles among young adults: A longitudinal study of socialization factors and consequences on financial capabilities. Journal of Consumer Affairs, 47(1), 128-152.
Shim, S., Serido, J., & Tang, C. (2013). After the Global Financial Crash: Individual Factors Differentiating Young Adult Consumers’ Trust in Banks and Financial Institutions. Journal of Retailing and Consumer Services, 20, 26-33.
Shim,S., Serido, J., & Tang, C. "The Ant and the Grasshopper Revisited: The Present Psychological Benefits of Saving for Tomorrow." Wave 1.5. Journal of Economic Psychology, 33(1), 155-165. 2011.
- Xiao, J., Serido, J & Shim, S. "Financial Literacy of First-year College Students." Wave 1. Book Chapter in D. Lamdin (Ed.), Financial Decisions Across The Lifespan: Problems, Programs, And Prospects. 2011.
- Xiao, J., Tang, C., Serido, J & Shim, S. "Antecedents and consequences of risky credit behavior among college students: Application and extension of the theory of planned behavior." Wave 1. Journal of Public Policy and Marketing, 30(2), 239-245. 2011.
- Shim, S., Serido, J., & Barber, B. L. "A consumer way of thinking: Linking consumer socialization and consumption motivation perspectives to adolescent development" (Not based on APLUS empirical findings). Journal of Research on Adolescence: Decade in Review, 21(1), 290-299. 2011.
Xiao, J. J., Shim, S., & Serido, J. "Financial Education, Financial Knowledge and Risky Credit Behavior of College Students. Working Paper." Wave 1. Networks Financial Institute Working Paper 2010-WP-05. 2010.
- Available at SSRN: http://ssrn.com/abstract=1709039
- Serido, J., Shim, S., Mishra, A., & Tang, C. "Financial parenting, financial coping behaviors and well-being of emerging adults." Wave 1. Family Relations: Special Issue, 59,453-464. 2010.
- Shim, S., Barber, B. L., Card, N., Xiao, J. & Serido, J. "Financial socialization of first-year college students: Roles of parents, work, and education." Wave 1. Journal of Youth and Adolescence, 39(12), 1457-1470. 2009.
APlus: Arizona Pathways to Life Success for University Students
Joyce Serido, Principal Investigator of overall APLUS project
Soyeon Shim, Principal Investigator at the University of Wisconsin
Melissa Curran, Principal Investigator at the University of Arizona
The Arizona Pathways to Life Success for University Students (APLUS) study is the first longitudinal study to examine the development of financial capability, literacy, attitudes and behaviors by following a cohort of college students as they progress through college and adult life.
Data collection for APLUS began in 2008 with information gathered from more than 2,000 freshmen at the University of Arizona. To date, researchers have collected three waves of data.
- Wave 1 data collection in 2008; 2,098 freshmen at the University of Arizona in Tucson
- Wave 1.5 data collection in 2009; 748 participants from the original sample (36%)
- Wave 2 data collection in 2010; 1,511 participants from the original sample (72%), including responses from 173 participants who left the UA.
Note: Between Waves 1 and 2, in the year 2009, researchers collected data in an initiative that was not part of the original study plan in order to learn about the impact of that concurrent economic crisis on students. Data from this initiative is referred to as Wave 1.5.
The APLUS study is independent research funded by the Take Charge America Institute for Consumer Financial Education and Research at the University of Arizona in partnership with organizations committed to fostering consumer financial capability.
Waves 1 and 1.5 of the APLUS study were funded by the National Endowment for Financial Education.
Wave 2 of the APLUS study was co-funded by Citi Foundation and the National Endowment for Financial Education.
More information on the APLUS study, including reports on findings from each wave of data collection (available as PDF's,) can be found at the study's website: http://aplus.arizona.edu/