Socialización financiera y bienestar: el papel mediador de factores psicológicos en adultos mexicanos

this study explores the direct impact of financial socialization on financial well-being and also evaluates the mediating effect of financialtrust, degree of control, and optimism as psychological factors, drawing on theories of family financial socialization, social learning, and behavioralfinance. Using structural equation modeling for an adult sample, the results indicate that financial socialization has a positive, but weak,direct effect on financial well-being. However, this effect is intensified when psychological factors, particularly financial trust, intervene. Theanalysis revealed complementary partial mediation, suggesting that, overall, indirect effects outweigh the direct effect. These findings emphasizethe importance of individual beliefs, perceptions, and attitudes in strengthening the relationship between formative experiences in childhoodand financial well-being in adulthood. In the Mexican context, characterized by high levels of informality and limited access to formal financialservices, the results highlight the importance of consolidating homes as spaces for economic education. It is recommended that financial educationstrategies simultaneously integrate socio-emotional skills and practical financial management tools to optimize the use of public resources andamplify the social impact of regional financial inclusion and well-being policies.