Financial Planning Discrepancy in Couple Relationships: A Dyadic Response Surface Analysis

Financial planning plays a key role in shaping marital satisfaction. Using response surface analysis (RSA), which is based on polynomial regression models, this study investigated the relationship between financial planning discrepancy and marital satisfaction by a sample of 246 couples (492 participants). The study found that the greater the perceived discrepancy in couples’ financial planning, the lower their marital satisfaction. Additionally, the individual’s attachment type played a moderating role in the relationship between financial planning discrepancy and marital satisfaction. For individuals with insecure attachment types, the impact of financial planning discrepancy on marital satisfaction was greater. This study expands the research field of financial literacy at a theoretical level and extends the research scope of response surface analysis. On a practical level, it provides a new perspective for enhancing marital satisfaction.