Household financial decision making: Qualitative research with couples
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Research report Household financial decision making: Qualitative research with couples by Andrew Wood, Kate Downer, Becky Lees and Annalise Toberman Department for Work and Pensions Research Report No 805 Household financial decision making: Qualitative research with couples Andrew Wood, Kate Downer, Becky Lees and Annalise Toberman A report of research carried out by RS Consulting on behalf of the Department for Work and Pensions © Crown copyright 2012. You may re-use this information (not including logos) free of charge in any format or medium, under the terms of the Open Government Licence. To view this licence, visit http://www.nationalarchives.gov.uk/doc/open-government-licence/ or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: psi@nationalarchives.gsi.gov.uk. This document/publication is also available on our website at: http://research.dwp.gov.uk/asd/asd5/rrs-index.asp Any enquiries regarding this document/publication should be sent to us at: Central Analysis Division, Department for Work and Pensions, Upper Ground Floor, Steel City House, West Street, Sheffield, S1 2GQ First published 2012. ISBN 978 1 908523 79 2 Views expressed in this report are not necessarily those of the Department for Work and Pensions or any other Government Department. iii Contents Contents Acknowledgements ...................................................................................................................................v The Authors ................................................................................................................................................ vi Abbreviations and glossary of terms ................................................................................................... vii Summary .....................................................................................................................................................1 1 Introduction .........................................................................................................................................5 1.1 Background ...............................................................................................................................5 1.2 Research objectives .................................................................................................................6 Behavioural economics .............................................................................................................6 1.3 Policy objectives .......................................................................................................................6 1.4 Project methodology ..............................................................................................................7 1.4.1 Research design .........................................................................................................7 1.4.2 Target audience .........................................................................................................7 Recruitment criteria used .........................................................................................................8 2 Attitudes to financial decision making ........................................................................................ 10 2.1 Attitudes to managing finances ........................................................................................ 10 2.1.1 Factors influencing attitudes ............................................................................... 11 2.2 How couples go about decision making .......................................................................... 12 2.2.1 Triggers to decision making ................................................................................. 12 2.2.2 The process itself .................................................................................................... 13 2.3 Roles played in the decision-making process ................................................................. 14 2.3.1 Alpha and beta roles .............................................................................................. 14 2.3.2 Male and female roles ........................................................................................... 15 3 Decision-making typologies ........................................................................................................... 18 3.1 Creating typologies .............................................................................................................. 18 3.2 Type 1: Unbalanced Responsibility .................................................................................... 19 3.2.1 Decision-making dynamics .................................................................................. 19 3.2.2 Attitudes towards retirement planning ............................................................. 20 3.2.3 Defining characteristics ......................................................................................... 21 3.2.4 Case study: Cara and Tim ..................................................................................... 21 Download 0.75 Mb. 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