Sonya Britt-Lutter

Sonya Britt-Lutter
Kansas State University | KSU · School of Family Studies and Human Services

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61
Publications
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Publications

Publications (61)
Article
Full-text available
College students, including athletes, have limited exposure to financial education prior to enrolling in college (Britt et al., 2015). Athletes juggling two full-time roles as athlete and college student have limited time for financial education and the opportunity to work. Some athletes receive athletic scholarships and some do not, but either way...
Article
Cohabitation is a common path to marriage for many millennials, with two-thirds of couples living with a significant other at least once before marriage. By delaying or opting out of marriage in early years, couples may be less financially prepared for retirement in later years. Previous research has found that men and women who have consumer debt...
Article
Full-text available
https://www.onefpa.org/journal/Pages/MAY17-Tightwads-and-Spenders-Predicting-Financial-Conflict-in-Couple-Relationships.aspx
Chapter
Financial therapy is an emerging field that integrates the interpersonal and intrapersonal aspects of financial well-being. These non-quantitative issues are at the forefront of consumer finance. Over the past 5 years, research in this area has grown tremendously. This chapter gives an overview of the current research in financial therapy, specific...
Article
The purpose of this report is to provide resources to financial educators working with consumers surrounding intergenerational influences in the development of financial attitudes and behaviors. Financial decisions are influenced by our attitudes, which are highly influenced by cultural issues, including family, ethnicity, gender, and socioeconomic...
Article
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The Klontz Money Behavior Inventory (KMBI) is a standalone, multi-scale measure than can screen for the presence of eight distinct money disorders. Given the well-established relationship between mental health and financial behaviors, results from the KMBI can be used to inform both mental health care professionals and financial planners. The prese...
Article
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Few contemporary, empirically-based instruments exist to assess attitudes and beliefs about money despite a large research base linking mental health outcomes to financial beliefs. An abbreviated form of the Klontz Money Script Inventory (KMSI), the Klontz Money Script Inventory-Revised (KMSI-R), has been developed to inform mental health practitio...
Article
This study had two distinct purposes. First, to determine the predictors of financial stress among college students who sought free peer-based financial counseling from a large Midwestern university (N = 675). Secondly, to determine the effectiveness of the particular financial counseling center from a subsample of those who sought help (N = 97). R...
Article
The purpose of this study was to examine factors associated with a composite measure of financial behaviors among soldiers. Using primary data from a sample of soldiers before deploying to a war zone, results suggest that past behaviors and some personal factors play a significant role in soldiers’ financial behaviors. Personal factors, such as hig...
Article
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The purpose of this conceptual paper is to disentangle differences between financial coaching and financial therapy. While financial coaching and financial therapy share many techniques and approaches, financial therapy is a more inclusive practice. Financial therapy (e.g., financial therapists) has the ability to address dysfunctional money attitu...
Chapter
This chapter outlines the origins of financial therapy’an emerging field interested in the integration of cognitive, emotional, behavioral, relational, and economic aspects with financial health. This chapter differentiates among financial therapy, financial coaching, and financial planning; explores ethical considerations; and discusses the impo...
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This chapter reviews the literature on money scripts. Money scripts are those typically unconscious, contextually bound, partially true beliefs about money that are developed in childhood and drive adult financial behaviors. Four categories of money scripts will be highlighted: Money worship, money status, money avoidance, and money vigilance. Tech...
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This chapter explores theories of therapy and how they can be used to conceptualize financial health, money disorders, and financial therapy. Understanding what a theory is, why it is important, and how it can be useful to financial therapy professionals is essential to the development of a credible field. The purpose of this chapter is to examine...
Article
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Recent research has suggested that mental health professionals may be at greater risk of endorsing money scripts associated with lower income, lower net worth, and problematic financial behaviors. This study more closely examined the financial health of mental health professionals using the Klontz-Britt Financial Health Scale (FHS). Data was collec...
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The Earned Income Tax Credit (EITC) seeks to reduce poverty and provide the resources necessary for an individual to become self-sufficient. The EITC achieves this annually by lifting millions of households above the poverty level through income supplementation. However, recent evidence suggests that the long-term upward economic mobility provided...
Book
Money-related stress dates as far back as concepts of money itself. Formerly it may have waxed and waned in tune with the economy, but today more individuals are experiencing financial mental anguish and self-destructive behavior regardless of bull or bear markets, recessions or boom periods. From a fringe area of psychology, financial therapy has...
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The influence of age, education or income, race or ethnicity, gender, sexual orientation, marital status, religion, pregnancy intentions, and maternal parity on the transition to parenthood are discussed, with emphasis on gender and changes in relationship satisfaction over time. In general, having demographics associated with more resources and so...
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In this chapter, we evaluate the diversity that exists in family support received during the transition to parenthood and in the experiences of new mothers and fathers. Although the majority of the literature on the transition to parenthood has focused on White middle-class couples we identify differences in the experiences of diverse populations....
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In this chapter we reviewed the literature on expectations across the transition to parenthood. We discuss prenatal expectations and how they may be influenced by family of origin and current social experiences. As well as postnatal expectations and gender differences among new mothers and fathers. We also discuss gender differences in unfulfilled...
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The transition to parenthood is a multidisciplinary phenomenon which has been evaluated by various theoretical perspectives. This chapter begins with a discussion on how theoretical perspectives have guided the work of researchers in this area. We then focus on four theoretical perspectives, Symbolic interaction theory, Attachment theory, Life cour...
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The quality of evaluations for programs that help expectant mothers and fathers make a successful transition to parenthood has improved substantially over time. Meta-analyses of numerous programs are now available in the literature. In general, program effects are small to moderate in magnitude, although some “just right” programs have had moderate...
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Parents often are not well educated about what having a child with special needs means. Although a special needs or disability diagnosis may occur at any age, this chapter addresses the initial experiences when a special needs diagnosis occurs prenatally or at birth, coinciding with the transition to parenting. Through several case examples, this c...
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One of the major challenges involved in the transition to parenthood is maintaining a high quality relationship between the child’s parents or guardians. The research of Dr. John Gottman, who based his research on observations of hundreds of couples interacting with each other, is used as a foundation for discussing key concepts and principles in m...
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Over the past century fertility patterns in the United States have fluctuated and the age of first-time parents has generally increased. With greater family planning resources women have also had the opportunity to delay both marriage and childbearing in pursuit of their education and careers. Later life childbearing has indirectly reduced total bi...
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The costs of raising a child to age 18 have been estimated at roughly $250,000. This chapter illustrates the financial impact children have on the family ranging from basic needs to college tuition to non-direct costs such as lost time at work that could influence future career opportunities. Having a strong support system may allow for sharing of...
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There are various reasons for why some individuals and couples are childless. Although involuntary childlessness is not a choice, the postponement of parenthood and voluntary childlessness are often confused retrospectively. This chapter discusses the increase in postponed parenthood and some of the reasons this phenomenon has received so much atte...
Article
Less than a third of married couple households in the United States are composed of families with one breadwinner. This is a stark contrast to a mere 40 years ago when men were the primary breadwinner for the majority of households. The goal of this study was to determine how the perception of household chores is related to relationship quality. Sp...
Article
The present study examined the impact of financial resources on soldiers' well-being. Using primary data gathered from a large Army installation in the Midwest, results suggested that soldiers with higher credit card debts and lower perceived net worth had lower levels of subjective well-being. Soldiers with greater perceived financial knowledge an...
Book
Transition to Parenthood moves beyond a one-study focus and captures multidisciplinary work on all families making the transition to parenthood. The book covers societal trends, changes, and most importantly expectations. Focus is also placed on how families are impacted by their surroundings and their individual members. Strengths and limitations...
Article
Full-text available
Sonya Britt, Ph.D., CFP, AFC graduated from Texas Tech University in 2010 with a doctorate in Personal Financial Planning. Her first two degrees are from Kansas State University in Personal Financial Planning (B.S.) and Marriage and Family Therapy (M.S.). and she was the founding president of the Financial Therapy Association and recently retired f...
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The purpose of this study was to explore the association between workaholism (working 50 or more hours per week) and personal and mental well-being. With time being a scarce resource, it is important to understand the trade-offs involved and the implications that arise from time allocation decisions. Becker (1965) provides a theoretical framework f...
Article
A path model was developed to test hypothesized associations among financial satisfaction, harsh start-up, shared goals and values, and relationship satisfaction. It was noted that a partner's perceived financial satisfaction was directly associated with engaging less in harsh start-up discussions and sharing goals and values with the other partner...
Article
The current paper, using data from the National Longitudinal Survey of Youth 1979 (NLSY) and the NLSY Child Survey, reports results from a test designed to determine if impulsiveness is associated with credit card behavior, and whether a mother's time preference, socioeconomic status, and risk attitude transmit to her children in shaping credit car...
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The purpose of this paper is to invite considerations and conversations to continue, and potentially even expedite, the positive evolution of the emerging profession of financial therapy and the newly formed Financial Therapy Association (FTA). Varying perspectives are provided by reviewing another association's challenges when implementing cross-d...
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Despite the paucity of empirical evidence indicating the impact of money arguments on spousal relationship outcomes, it is common belief that money plays a large role in the life of couples. This study used panel data from the 1979 National Longitudinal Study of Youth to examine how money-related arguments affect the marital relationship. Economic...
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p>The purpose of this study was to measure the psychological impact of the 2008 financial crisis on financial planners. Recent surveys of financial advisors have confirmed a fundamental shift away from strategic management in favor of tactical management, with planners reporting having had made on average 2.15 adjustments in the past 12 months to t...
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Using longitudinal data from the National Survey of Families and Households and both wife- and husband-reported data (N = 4,574 couples), this study examined how financial well-being, financial disagreements, and perceptions of financial inequity were associated with the likelihood of divorce. When financial disagreements were in the model, financi...
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Much of the existing literature on financial behavior focuses on basic money management tasks (e.g., balancing a checkbook). However, it can be equally important to identify problematic financial behaviors that can sabotage one’s financial health. The purpose of this study was to create an assessment tool that can be used by mental health and finan...
Chapter
This chapter describes training and development considerations for a university financial education program staff. Program directors may choose to outsource the training by hiring external professionals or hiring and training from within the college or university. Key questions to ask are posed in this chapter, such as what types of training suppor...
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A financial education program is only as good as the people who staff it. In order to get the right people on staff, careful attention must be paid to the strategy and execution of recruiting and hiring. Underlying the strategy is the determination of which staff positions are needed and how the roles will be defined. Various questions need to be a...
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Countless sources have documented the benefit of merging knowledge from multiple sources for the benefit of helping clients, students, or the society as a whole. Hundreds, if not thousands, of other organizations are developing collaborative partnerships to help them achieve their goals. The purpose of this chapter is to explain the myriad benefits...
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Demand for information on establishing a financial education program in colleges and universities is high as evidenced by ongoing requests to the editors for assistance. Financial education programs for students are growing in number and offer promising opportunities. Colleges and universities have a vested interest in establishing a financial educ...
Article
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Financial matters have been identified in the literature as a significant source of stress for individuals and families. However, little is known about the psychological issues related to money that may be contributing to individual and family problems. Using a sample of 422 individuals who identified their level of agreement on 72 money-related be...
Article
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p> A randomized experimental study was designed to compare risk-tolerance scores for those who completed a paper-and-pen risk-tolerance assessment instrument (i.e., the control group) to those who answered the same questions using an electronic method. It was hypothesized that the possibility of an electronic bias might be present. Controlling for...
Article
Using a sample of 310 married respondents from one U.S. Midwestern state, a test was conducted to examine the association of financial satisfaction and financial stressors in a spouse's decision to stay married to the same person or leave the relationship. The role of demographic and socioeconomic variables, religiosity, psychological constructs, f...
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Older individuals are generally assumed to be less risk tolerant compared to others. The purpose ofthis research was to test how accurately working adults at different ages ih the lifespan estimate their risk-tafdng propensity. Differential predictions, using ANOVA and regression analyses, were assessed. Findings suggest that younger working adults...
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The purpose of this brief review is to provide a historical context for the conceptualization, development, and launch of the Financial Therapy Association (FTA). The FTA membership base consists of practicing financial planners, financial counselors, psychologists, marriage and family therapists, social workers, financial coaches, psychotherapists...
Article
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The purpose of this study was to determine what changes have occurred in the past 20 years in accredited marriage and family therapy (MFT) programs in terms of student training and preparation for treating family financial concerns. MFT program directors (N = 18) and students (N = 102) responded to an emailed a web survey. Findings indicated that o...
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The following annotated bibliography contains a summary of articles and websites, as well as a list of books related to financial therapy. The resources were compiled through e-mail solicitation from members of the Financial Therapy Forum in November 2008. Members of the forum are marked with an asterisk.
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A commonly held view is that arguments about money are associated with marital problems, but relatively little is known about the nature of arguing about money within marriage. Using data from the National Longitudinal Survey of Youth 1979 (NLSY79), this study uses a collective bargaining approach to examine the role of money arguments in marriage....
Article
This study is designed to test whether financial satisfaction can be used to distinguish between those who had considered getting a divorce during the past 3 years—an indicator of marital distress—from those who had not. Using a sample of U.S. midwestern individuals (n = 361), a classification and regression tree methodology was used to determine t...
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Financial spending behaviors and relationship satisfaction are generally thought to be linked for many couples. The current study examined how perceived personal, partner, and joint spending behaviors influence relationship satisfaction. The sample consisted of residents from several communities within one mid)western state (N = 347). Spending beha...
Article
A conceptual model of personal financial risk-taking behavior is described. The approach incorporated environmental and biopsychosocial factors associated with risk-tolerance attitudes and risk-taking financial management behavior. Findings indicated, similar to the method used to describe socioeconomic status, generalized profiling can be a useful...
Article
This review provides insights from a student and faculty perspective about financial planning internships.