RELATIONSHIP OF FINANCIAL STRAIN AND PSYCHOSOCIAL RESOURCES TO ALCOHOL-USE AND ABUSE - THE MEDIATING ROLE OF NEGATIVE AFFECT AND DRINKING MOTIVES

Limited research has examined the relationship between financial strain and alcohol use and abuse. Building on affect regulation theory and recent research in the stress and alcohol literatures, this study developed and tested a model relating financial strain, social resources, personal resources, depression, and drinking to cope to alcohol use and abuse. Data were obtained from a random sample of 1,424 adults who indicated that they had drunk alcohol in the previous year. We tested and then revised our model using structural equation modeling analysis. Results supported the affect regulation model of financial strain and alcohol use and abuse. Generally, depression mediated the relationship between financial strain and drinking to cope, and drinking to cope mediated the relationship between depression and alcohol use and abuse. In addition, both gender and race moderated six of the relationships in our revised model.