Author ORCID Identifier
https://orcid.org/0000-0002-3984-6869
Date Available
8-16-2026
Year of Publication
2025
Document Type
Doctoral Dissertation
Degree Name
Doctor of Philosophy (PhD)
College
Education
Department/School/Program
Educational, School, and Counseling Psychology
Faculty
Candice Hargons, PhD
Faculty
Laurie McCubbin, PhD
Abstract
Black women experience high levels of financial vulnerability and consistently exhibit poor financial outcomes across the literature; however, few studies have investigated Black women’s financial socialization processes and outcomes. As a function of gendered racial marginalization, Black women occupy a unique standpoint that may influence their financial socialization experiences. Therefore, research that investigates Black women’s financial socialization and perceived financial capability, responsibility, and well-being is warranted.
Within this dual-manuscript style dissertation, the first manuscript investigates the sources, content, and methods of Black women’s family financial socialization messages. Using a critical-constructivist research paradigm and Reflexive Thematic Analysis for data analysis, findings include five themes. The second manuscript examines Black women’s perceived financial responsibility and how their perceptions might be informed by their gendered racial identity and cultural scripts. The study findings include four themes. The implications for both studies are discussed to aid researchers in pursuing additional research with this population and practitioners in developing tailored financial therapy, counseling, and planning interventions in their work with Black women.
Digital Object Identifier (DOI)
https://doi.org/10.13023/etd.2025.409
Funding Information
This study was supported by the Financial Industry Regulatory Authority Investor Education Foundation and the University of Kentucky Arvle and Ellen Turner Thacker Research Fund in 2024.
Recommended Citation
Wright, Courtney J., "PATHWAYS TO FINANCIAL WELLNESS: USING INTERSECTIONALITY THEORY TO UNDERSTAND BLACK WOMEN’S FINANCIAL SOCIALIZATION" (2025). Theses and Dissertations--Educational, School, and Counseling Psychology. 129.
https://uknowledge.uky.edu/edp_etds/129
