{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,8,17]],"date-time":"2026-08-17T23:26:59Z","timestamp":1787009219290,"version":"build-2736575974"},"reference-count":40,"publisher":"Oxford University Press (OUP)","issue":"7-8","license":[{"start":{"date-parts":[[2022,3,1]],"date-time":"2022-03-01T00:00:00Z","timestamp":1646092800000},"content-version":"vor","delay-in-days":2,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"funder":[{"name":"Veterans Health Administration, Health Services Research & Development","award":["FOP-15-464"],"award-info":[{"award-number":["FOP-15-464"]}]},{"DOI":"10.13039\/100003896","name":"Henry M. Jackson Foundation","doi-asserted-by":"publisher","award":["n\/a"],"award-info":[{"award-number":["n\/a"]}],"id":[{"id":"10.13039\/100003896","id-type":"DOI","asserted-by":"publisher"}]}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2023,7,22]]},"abstract":"<jats:title>ABSTRACT<\/jats:title>\n                  <jats:sec>\n                    <jats:title>Introduction<\/jats:title>\n                    <jats:p>Veterans transitioning from military service to civilian life manage numerous changes simultaneously, in health, employment, social relationships, and finances. Financial problems may impact financial well-being as well as adjustment to civilian life in general; yet, research on Veterans\u2019 financial challenges remains limited. This study examined six indicators of perceived financial status among newly transitioned Veterans over a period of 3 years and then examined perceived financial well-being measured in two domains\u2014satisfaction and functioning\u2014and difficulty adjusting to civilian life as functions of financial status.<\/jats:p>\n                  <\/jats:sec>\n                  <jats:sec>\n                    <jats:title>Materials and Methods<\/jats:title>\n                    <jats:p>A sample representing 48,965 Veterans who separated from active duty\/activated status in fall 2016 provided informed consent and survey data over their first 33 post-military months; data were analyzed in weighted regression models that included demographics, military characteristics, social support, resilience, life stress, and indicators of financial status.<\/jats:p>\n                  <\/jats:sec>\n                  <jats:sec>\n                    <jats:title>Results<\/jats:title>\n                    <jats:p>Financial status immediately post-separation included having stable housing (88%), being able to pay for necessities (83%), keeping up with creditors (88%), having insurance for catastrophic events such as disability (79%), saving for retirement (62%), and setting aside 3 months of salary (50%). Thirteen percent of Veterans disclosed troubled financial status, having achieved no more than two of these financial goals; 38% had moderate and 49% excellent financial status. Troubled or moderate financial status, Black race, enlisted, and higher levels of stress predicted lower financial functioning. Older age, college degree at baseline, employment, and social support predicted better financial satisfaction. Veterans with troubled financial status reported greater difficulty adjusting to civilian life (odds ratio 1.34); women were less likely to report difficulty adjusting to civilian life (odds ratio 0.85).<\/jats:p>\n                  <\/jats:sec>\n                  <jats:sec>\n                    <jats:title>Conclusions<\/jats:title>\n                    <jats:p>Findings indicate that financial satisfaction and functioning may be sensitive to psychosocial factors (social support and stress). Findings also underscore the value of assessing Veterans\u2019 financial status (poor debt management and lack of future planning), providing encouragement and assistance to pursue a college degree, and improving household financial management, thus increasing the likelihood that Veterans will have the necessary tools to manage their finances after separation and achieve whole health well-being.<\/jats:p>\n                  <\/jats:sec>","DOI":"10.1093\/milmed\/usac030","type":"journal-article","created":{"date-parts":[[2022,3,1]],"date-time":"2022-03-01T06:02:16Z","timestamp":1646114536000},"page":"e2181-e2188","source":"Crossref","is-referenced-by-count":16,"title":["Financial Status and Well-being in Recently Separated Military Veterans"],"prefix":"10.1093","volume":"188","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-8341-8028","authenticated-orcid":false,"given":"Eric B","family":"Elbogen","sequence":"first","affiliation":[{"name":"Behavioral Health Department, Durham VA Health Care System , Durham, NC 27705, USA"},{"name":"National Center on Homelessness Among Veterans, VHA Homeless Programs Office , Tampa, FL 33612, USA"},{"name":"Department of Psychiatry, Duke University , Durham, NC 27708, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-6606-8847","authenticated-orcid":false,"given":"John E","family":"Zeber","sequence":"additional","affiliation":[{"name":"School of Public Health and Health Sciences, University of Massachusetts , Amherst, MA 01003, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-6636-1034","authenticated-orcid":false,"given":"Dawne","family":"Vogt","sequence":"additional","affiliation":[{"name":"Women\u2019s Health Sciences Division, National Center for PTSD (116B-3) , Boston, VA 02130, USA"},{"name":"Department of Psychiatry, Boston University School of Medicine , Boston, MA 02118, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-0051-4218","authenticated-orcid":false,"given":"Daniel F","family":"Perkins","sequence":"additional","affiliation":[{"name":"Clearinghouse for Military Family Readiness, Pennsylvania State University (PSU) , University Park, PA 16802, USA"},{"name":"Department of Agricultural Economics, Sociology, and Education, Pennsylvania State University , University Park, PA 16802, USA"},{"name":"Social Science Research Institute, Pennsylvania State University , University Park, PA 16802, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-4497-7721","authenticated-orcid":false,"given":"Erin P","family":"Finley","sequence":"additional","affiliation":[{"name":"Center for the Study of Healthcare Innovation, Implementation and Policy (CSHIIP), VA Greater Los Angeles Healthcare System , North Hills, CA 91343, USA"},{"name":"Departments of Medicine and Psychiatry, UT Health San Antonio , San Antonio, TX 78229, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-9478-0209","authenticated-orcid":false,"given":"Laurel A","family":"Copeland","sequence":"additional","affiliation":[{"name":"Research Service, VA Central Western Massachusetts Healthcare System , Leeds, MA 01053, USA"},{"name":"Department of Population and Quantitative Health Sciences, University of Massachusetts Medical School , Worcester, MA 01655, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"286","published-online":{"date-parts":[[2022,2,27]]},"reference":[{"key":"2023072301092357800_R1","volume-title":"Returning Home from Iraq and Afghanistan: Preliminary Assessment of Readjustment Needs of Veterans, Service Members, and Their Families","author":"Institute of 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