Perceived financial well-being and its association with frontostriatal functional connectivity, real-life anticipatory experiences, and everyday happiness

Perceived financial well-being (FWB) is an important aspect of life that can affect one’s attitude toward future experiences and happiness. However, the relationship between FWB, anticipatory experiences, and happiness, and the brain’s functional architecture underlying this relationship remain unknown. Here, we combined an experience sampling method, multilevel modeling, and functional neuroimaging to identify the neural correlates of FWB and their associations with real-world anticipatory experiences and everyday happiness. Behaviorally, we found that individuals with greater FWB felt more positive and more interested when they expected positive events to occur, which in turn resulted in increased everyday happiness. Furthermore, the level of FWB was significantly associated with the strength of functional connectivity (FC) between the nucleus accumbens (NAc) and ventromedial prefrontal cortex (vmPFC) and the local coherence within the vmPFC. The frontostriatal FC and local coherence within the vmPFC were further predictive of everyday happiness via the anticipatory response involving interestedness during positive expectations. Our findings suggest that individual differences in FWB could be reflected in the functional architecture of brain’s reward system that may contribute to shaping positive anticipatory experiences and happiness in daily life.