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This study analyzes associations between adulthood earnings trajectories and 10-year memory decline among Health and Retirement Study participants linked to Social Security earnings records. The sample includes individuals with earnings ages 25–59 and at least one memory assessment after 59. Group-based modeling classifies earnings patterns by cohort and gender, and confounder-adjusted mixed models estimate memory decline. Higher lifelong earnings correspond to slower decline, with dose-response patterns and additional work needed to explain mechanisms.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/adulthood-earnings-trajectory-and-10-year-memory-decline-findings-from-administrative-earnings-data/426324/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/adulthood-earnings-trajectory-and-10-year-memory-decline-findings-from-administrative-earnings-data/426324.png","ImageObject",300,407,{"name":92,"@type":93},"Grenda","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-12","2026-09-29",true,{"@type":102,"interactionType":103,"userInteractionCount":19},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What data sources were used to study the link between earnings and memory decline?","Question",{"text":112,"@type":113},"The study uses Health and Retirement Study participants linked to Social Security Administration earnings records.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How were earnings trajectories and memory decline measured?",{"text":117,"@type":113},"Earnings ages 25–59 were categorized using group-based trajectory modeling by birth cohort and gender, while memory was assessed using immediate/delayed 10-word recall (or a proxy interview when needed).",{"name":119,"@type":110,"acceptedAnswer":120},"What was the overall relationship between adulthood earnings and 10-year memory decline?",{"text":121,"@type":113},"Participants with the highest earnings over adulthood showed the slowest memory decline across cohorts and genders, following a general dose-response pattern.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},426324,1791134338,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":19,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":14,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":24},7971474921005,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","1046 Innovation in Aging, 2025, Vol. 9, No. S2  \nAbstract citation ID: igaf122.3525  \nADULTHOOD EARNINGS TRAJECTORY AND 10-YEAR MEMORY DECLINE: FINDINGS FROM  \nADMINISTRATIVE EARNINGS DATA  \nCalvin Colvin1, Katrina Kezios2, Samuel Swift3,  \nM. Maria Glymour2, and Adina Zeki Al Hazzouri4,  \n1. Columbia University, New York, New York, United States, 2. Boston University, Boston, Massachusetts, United States, 3. University of New Mexico Health Sciences Center, Albuquerque, New Mexico, United States, 4. Columbia University Medical Center, New York, New York, United States  \nFinancial resources are associated with cognitive functioning in older age, but prior studies do not characterize the dynamic trajectory of lifecourse financial status. Here, we examine the relationship between adulthood earnings trajectories and  \nInnovation in Aging, 2025, Vol. 9, No. S2 1047  \nmemory decline in older age using data from Health and Retirement Study participants linked to Social Security Administration earnings records. We included participants with any earnings data when 25 to 59 years old and ≥1 memory assessment on/after age 59 (N = 10,566). Memory was assessed using immediate and delayed 10-word recall or, for those unable to complete these tests, a proxy’s interview. We categorized age 25-59 earnings using group-based trajectory modeling, separately for each birth cohort and gender. Using confounder-adjusted linear mixed models, we examined the association of earnings trajectory with 10-year memory decline. The median age at first memory assessment was 60 (IQR: 59-62) years. Across birth cohorts and gender, participants with the highest earnings over adulthood had the slowest decline in memory. For example, among men in the earliest birth cohort (1931-1941), those with high initial earnings that increased over time had an annual rate of memory decline of-0.029 standard units (95% CI: -0.032,-0.026) . In comparison, those who maintained low earnings experienced faster declines (βLowxTime = -0.012, 95% CI:  \n-0.016, -0.007), corresponding to an annual rate of decline of  \n-0.041 standard units (95% CI: -0.044, -0.037) Associations generally followed a dose-response pattern. These findings add to the growing literature showing relationships between financial resources and cognition. More work is needed to identify underlying mechanisms.","cbCaihaYm6SvQ3Yk","https://ap.wps.com/l/cbCaihaYm6SvQ3Yk","pdf",1809520,"English","# Abstract\n## Data source and sample\n## Measures and modeling approach\n## Main findings and implications","[{\"question\":\"What data sources were used to study the link between earnings and memory decline?\",\"answer\":\"The study uses Health and Retirement Study participants linked to Social Security Administration earnings records.\"},{\"question\":\"How were earnings trajectories and memory decline measured?\",\"answer\":\"Earnings ages 25–59 were categorized using group-based trajectory modeling by birth cohort and gender, while memory was assessed using immediate/delayed 10-word recall (or a proxy interview when needed).\"},{\"question\":\"What was the overall relationship between adulthood earnings and 10-year memory decline?\",\"answer\":\"Participants with the highest earnings over adulthood showed the slowest memory decline across cohorts and genders, following a general dose-response pattern.\"}]","ADULTHOOD EARNINGS TRAJECTORY AND 10-YEAR MEMORY DECLINE - FINDINGS FROM ADMINISTRATIVE EARNINGS DATA | PDF",1790640211]