Friendly people who lack money awareness are more likely to suffer financial crises [Global Network Comprehensive Report] According to the British "Daily Mail" report on October 17，New research shows，People with friendly personalities are more likely to have financial problems，Credit score may also be lower，Even facing bankruptcy。The paper appears in the Journal of Personality and Social Psychology，Revealed that friendly people generally place little value on money，It is easy to have improper financial management，Put yourself in financial straits。
Co-author of the paper、Joe Glades from University College London found that，People with easy-going personalities are prone to financial difficulties，They tend to have small savings、Lots of debt，Default ratios are also higher。This is probably because people with this personality don't value money very much.，So they are more prone to financial mismanagement。"Gladstone said，Such people may rarely check their bank statements，There is no reasonable budget plan。
"vice versa，" Gladstone said，"Those characters are kind of mean.、So strong，It can even be said that he is an unfriendly person，Financial status is often very good。"The first author of the paper、Sandra Matz from Columbia University Business School said，"The original purpose of our study was to find out whether a friendly and warm personality was related to a person's poor financial situation.。
Matz and Gladstone also wanted to explore this phenomenon because friendly people tend to have a "collaborative" type of negotiation.，Or is it because they don’t pay attention to money?。Researchers based on online sample library、National survey results、Information survey of 3 million people including bank account data and geographical information。"According to previous research results，People with agreeable personalities tend to have lower credit scores and lower incomes，” said Matz。
"We wanted to know whether this personality also affects other economic indicators，if so，Then we can better understand why friendly people often end up in so many bad situations。” Previous research shows，Neurosensitive personality and high debt、Compulsive shopping linked，But cautious people are more likely to save money，avoid debt。
Researchers found，Not all friendly people have financial problems，Because the level of income also has an important impact on whether they fall into financial difficulties.。"This association affects people with lower incomes more，Because they have no other way to make up for the negative financial impact of their friendly nature.，"Gladstone said。"Our research helps us understand the underlying factors that contribute to economic distress，Friendliness comes at a price。” said Matz。
Researchers hope their study will attract government、Attention from charities and education sectors，To raise awareness of financial responsibility among people with this personality type。(Intern Qian)
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