Curiosity as a Key Pathway Linking Future Time Perspective to Earlier Financial Preparation Timing

As Taiwan faces rapid population aging and increasing longevity, individuals are expected to assume greater responsibility for their own financial security in later life. Future Time Perspective (FTP) is a well-established cognitive-motivational construct associated with long-term planning, while curiosity has been linked to adaptive functioning and sustained cognitive engagement across the lifespan. However, its role in shaping perceived timing of financial preparation remains underexplored. This study examined the associations among FTP, joyous exploration (JE), and perceived timing for financial preparation, and tested whether curiosity mediates this relationship. Cross-sectional data from 435 adults in Taiwan (aged 31–89 years) were analyzed. Participants completed validated measures of FTP, JE, and perceived timing for initiating financial preparation. OLS regression and mediation analyses were conducted, controlling for age, sex, education, and health. FTP was positively associated with JE. JE predicted earlier perceived financial preparation timing. Although the direct effect of FTP indicated endorsement of later preparation ages when controlling for JE, a significant negative indirect effect demonstrated that higher FTP was linked to earlier preparation ages through increased JE, reflecting inconsistent mediation. JE may represent a modifiable psychological pathway for promoting earlier and more proactive financial preparation in super-aging societies such as Taiwan.