Among Latinxs living in the United States (U.S.), AfroLatinx individuals are more susceptible to dying from COVID-19 because of pre-existing health conditions such as diabetes, heart disease, and hypertension (Chapman, 2020). These health disparities, in turn, have been associated with economic inequalities AfroLatinx communities face in the U.S. due to discrimination and racism (Weinstein et al., 2017). Scholars have called attention to the need to focus on AfroLatinx populations, given the systematic denial of AfroLatinx experiences in the psychological literature (Sanchez, 2021) and the systemic and institutional barriers AfroLatinx face when seeking physical and mental health support (Borrell, 2005). Using Borrell's (2005) framework for studying the determinants of health disparities affecting AfroLatinxs, in Study 1, I examined the association between individual characteristics (e.g., socioeconomic indicators), psychosocial factors (e.g., economic distress), and contextual factors (e.g., discrimination) reported by AfroLatinx adults and emotional and physical health problems during the COVID-19 pandemic. As an expansion of Borrell's model, I also examined whether having a pre-existing condition can help explain mental health distress above and beyond other determinants of health disparity. Study 2 built on the first study by helping identify the specific areas of stress and needs identified by AfroLatinxs during the COVID-19 pandemic. The second aim of Study 2 was to determine the more frequent and effective strategies AfroLatinxs with pre-existing conditions used to cope with COVID-19-related stressors and needs.

Personal finances are an essential part of adulthood, yet we find that many Americans have low financial literacy (Financial Industry Regulatory Authority Investor Education Foundation, 2016). This phenomenon is especially true for young adults (18-25 years old) (Lusardi, 2019). Lusardi, Mitchell, and Curto (2009) found that fewer than one-third of young adults possess basic financial knowledge. The present study examined whether financial self-efficacy and financial hardship were moderators between financial literacy and financial anxiety among a young adult sample (18-25 years old; Arnett, 2000). The current study utilized moderated moderation analyses to explore the associations between financial literacy, financial anxiety (i.e., the concern and worry about finances), financial self-efficacy, and financial hardship for young adults( N = 549, 71.6% female, Mage = 20.49). Based on survey data from the Financial and Social Stress Study (Tran & Mintert, n.d.), moderated moderation results show (a) an inverse association between financial literacy and financial anxiety (direct effects) and (b) financial self-efficacy and financial hardship moderate this relationship. Specifically, for young adults experiencing high financial hardship with high financial self-efficacy, there was a strong inverse association between financial literacy and financial anxiety. This study contributes to our knowledge of the vital role of financial literacy and its association with financial anxiety for young adults. Further, these findings highlight financial self-efficacy as a potential factor for mental health providers to consider when working with young adults experiencing high financial hardship.