College students, Financial education, Financial knowledge, Financial behavior, Financial attitudes,

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The authors examine perceptions that young people hold regarding their participation in community-based youth programs. Specifically, this study assesses young people’s sense of psychological safety, their relationships with adult staff, their learning of social skills, and how different ethnic groups experience these factors. Data for the study come from a national evaluation study of youth programs. Participants in this study include 272 White, 100 Asian or Pacific Islander, 61 African American, and 57 Hispanic youth. The results indicate that African American youth are more likely to feel psychologically safe and to have positive relationships with adult staff compared to the other youth. In addition, with the exception of African American youth, the associations between feeling safe and having positive relationships with adult staff and perception of learning social skills were significantly related. The possible explanations of these findings and directions for future research are discussed.

This study addressed two main questions: (a) Are adolescent sons and daughters exposed to sensitive maternal disclosures after divorce with similar frequency and in similar detail? and (b) Does gender act as a moderator in the association between maternal disclosures and adolescent adjustment difficulties? Forced-choice and open-ended data were collected from 194 adolescents within 2 years after their parents' divorce. Quantitative analyses revealed that although the majority of adolescents experience some level of maternal disclosure, neither frequency nor detail of maternal disclosure differed as a function of adolescent gender. Frequent and detailed maternal disclosures were associated with adolescent adjustment difficulties, primarily psychological distress. Gender did not moderate that significant association. Qualitative analysis shed light on the link between maternal disclosures and adolescent distress, suggested the importance of how disclosures are made, and revealed several gender differences in reactions to maternal disclosures. Implications of the findings are discussed.

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