Asset Accumulation In Early Married Life
追踪伊利诺伊州三个大都市区年轻已婚夫妇的金融资产积累，发现初始财务基础好的夫妇会改善相对财务状况，而初始债务多的夫妇后来更可能富裕，可能因债务购买的房产大幅升值。
ABSTRACT This longitudinal study of the factors influencing the accumulation of financial assets by young married couples in three metropolitan areas of Illinois, finds that couples that start out with a strong financial base tend to improve their relative financial position over time. Especially intriguing is the finding that those couples that acquired initially substantial amounts of debt were more likely to be well off financially at a later time, possibly because the principal asset purchased with these debts, own home, appreciated substantially during the period studied. The results also suggest that a measure of normal income becomes relevant to explaining variations in asset accumulation only after five or six years of the marriage, while socioeconomic variables other than income seemed to have relatively little effect on changes in asset holdings over time.