悉尼大学经济学家德博拉·科布-克拉克认为，内部控制点是帮助儿童建立家庭财富最重要的品质1。内部控制点指个人相信自己能够塑造周围世界的心理特征，与之相对的外部控制点则认为命运由运气或他人决定1。
研究表明，具有内部控制点的人展现出更强的财务和职业行动力1。这类人更加积极地求职、储蓄更多资金、更有创业意愿，且在养育子女时投入更多努力1。相比之下，具有外部控制点的人求职意愿较低1。期待中的母亲的控制点水平与其主动养育投入直接相关1，这意味着个人对自我能动性的信念会影响其作为家长的投入程度。
这一心理特质的影响还延伸到工作场景中的技术采纳。深圳制造业企业研究显示，具有外部控制点的员工更可能隐瞒与人工智能相关的信息1。心理学家朱利安·罗特在1960年代首次提出控制点的概念1，而科技企业家安德烈·卡帕蒂则认为个人能动性比智力更强大且更稀缺1。
An economist at the University of Sydney has identified internal locus of control—the belief that individuals can shape their own circumstances—as the most critical quality for helping children build family wealth.1 According to research cited by Deborah Cobb-Clark, people with an internal locus of control demonstrate greater initiative in job seeking, save more money, and display stronger entrepreneurial inclinations.1 Additionally, those with a stronger sense of personal agency invest more effort in raising their own children.1
In contrast, individuals with an external locus of control tend to attribute outcomes to luck or the decisions of others, a mindset that can obstruct their ability to adapt to new technologies in organizational settings.1 Research on manufacturing firms in Shenzhen revealed that employees with an external locus of control were more likely to conceal information related to artificial intelligence.1 The concept of locus of control itself was developed by psychologist Julian Rotter in the 1960s.1
Technology entrepreneur Andrej Karpathy has argued that personal agency is both more powerful and rarer than intelligence.1
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