Despite their best intentions, most people fail to save enough for the future. In this research, we demonstrate that people are more successful at saving when their savings goals are aligned with their Big Five personality traits. Study 1 uses a nationally representative sample of 2,447 U.K. citizens to test whether people whose self-declared savings goals more closely match their Big Five personality also report higher levels of savings. We apply specification curve analyses to minimize the risk of having arbitrary analytical decisions produce false-positive results. As our findings show, person-goal fit significantly predicted savings across all 48 specifications. Study 2 expands these findings by testing whether psychological fit can influence savings even if the saving goals are not formulated by the individuals themselves but instead suggested by a technology service designed to help them save. In a field experiment with 6,056 U.S.-based low-income users of a nonprofit Fintech app (with < $100 in current savings), we show that people who were encouraged to save $100 over the course of a month were more likely to achieve this target if they were encouraged to save toward personality-matched goals. Our research provides support for the theory of psychological fit, showing that an alignment between an individual's Big Five personality traits and the personality appeal of a saving goal can help increase savings, even among those who struggle the most. (PsycInfo Database Record (c) 2023 APA, all rights reserved).

中文翻译：

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利用心理适应来鼓励储蓄行为。

尽管大多数人的初衷是好的，但他们却未能为未来储蓄足够的钱。在这项研究中，我们证明，当人们的储蓄目标与其大五人格特质一致时，他们的储蓄会更加成功。研究 1 使用 2,447 名英国公民组成的具有全国代表性的样本来测试那些自我宣称的储蓄目标更符合其“大五人格”性格的人是否也报告了更高的储蓄水平。我们应用规格曲线分析来最大限度地降低任意分析决策产生假阳性结果的风险。正如我们的研究结果所示，个人目标契合度可以显着预测所有 48 项规范的节省情况。研究 2 通过测试心理适应是否会影响储蓄来扩展这些发现，即使储蓄目标不是由个人自己制定，而是由旨在帮助他们储蓄的技术服务建议的。在对美国非营利性金融科技应用程序的 6,056 名低收入用户（当前储蓄低于 100 美元）进行的现场实验中，我们发现，被鼓励在一个月内储蓄 100 美元的人更有可能实现这一目标如果他们被鼓励为符合个性的目标而储蓄。我们的研究为心理契合理论提供了支持，表明个人的“大五”人格特征与储蓄目标的个性吸引力之间的一致性可以帮助增加储蓄，即使对于那些最困难的人来说也是如此。（PsycInfo 数据库记录 (c) 2023 APA，保留所有权利）。