- Original authors / creators
- Henrik Levinsson; Emma Samuelsson; Antonia Bjarup Nehlin; Signe Pröjts Erlandsson
- Original publication
- Behavioral Sciences · Multidisciplinary Digital Publishing Institute (MDPI) · 2026-02-26
- License & retained notices
- CC BY 4.0
© 2026 by the authors.
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- Evidence limits
- Adjacent research, not a directly sampled family-office study. Applicability to a family office requires separate assessment. A potential limitation of this study is that the large sample size could increase the risk of detecting statistically significant associated factors. Supporting this concern is the fact that the effect sizes are small. This could indicate a Type I error, meaning that associated factors appear statistically significant even though they contribute very little explanatory value in reality. Despite the risk of Type I errors in large samples, having a smaller sample would have been a greater disadvantage from a statistical perspective, as it would have reduced statistical power. It might also have increased the risk of missing actual associations and limited the generalizability of the results. A limitation of this study is also the use of a web panel for data collection. While this method allows for efficient sampling of a relatively large number of respondents, it may limit the generalizability of the findings to the broader population of young adults. Selection bias is also a concern, as participants who choose to engage in web panels may differ from those who do not, potentially affecting the representativeness of the sample. Caution is therefore warranted when extrapolating results beyond the sample studied. The variable targeting consumer loans is self-constructed and was limited to a span of 18 months (1.5 years) in an attempt to address persistent and prolonged financial issues. However, this timespan can be subject to further reflection. Additionally, as this is a cross-sectional study, no causal inferences can be drawn from the observed associations. Nevertheless, studying a larger sample provides valuable insights into the relationships between the variables and contributes important knowledge within the scope of the current research. Rather, the findings should be considered hypothesis-generating and serve as a basis for further research. Finally, the data used were collected in October 2021, when the COVID-19 pandemic was ongoing. It is possible that participants’ likelihood of taking consumer loans and their experience of being part of a larger context were affected by the societal restrictions in place. As such, the results might have been different if more recent data had been used. On the other hand, the Public Health Agency of Sweden (2024) reports that perceived loneliness is common among young people. This underscores the continued relevance of investigating loneliness and financial circumstances in this population, even beyond the immediate context of the pandemic.
- Retraction / correction check
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- Preserved record
- Rights and full text checked 2026-11-05. Included in this volume on 2026-11-05. Original source dates remain unchanged.
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