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ORIGINAL RESEARCH article

Front. Psychol.

Sec. Cognition

This article is part of the Research TopicCognitive Aging and Decision-Making: Evaluating Real-World MeasuresView all 8 articles

Practical judgment in aging: Examining behavioral vulnerabilities and neurobiological correlates

Provisionally accepted
Nicole  SergeyevNicole Sergeyev1,2*Abi  Heller-WightAbi Heller-Wight3Caroline  Nester RooneyCaroline Nester Rooney4,5Nadia  ParéNadia Paré6Anjali  KrishnanAnjali Krishnan2,5David  G EllisDavid G Ellis3Chloe  MoffittChloe Moffitt7Robert  M. RothRobert M. Roth8David  E WarrenDavid E Warren3Laura  RabinLaura Rabin2,5,7
  • 1Department of Psychology and Neuroscience, Duke University, Durham, United States
  • 2Department of Psychology, Brooklyn College, New York, United States
  • 3Department of Neurological Sciences, University of Nebraska Medical Center, Omaha, United States
  • 4Department of Psychiatry and Human Behavior, Brown University, Providence, United States
  • 5Department of Psychology, CUNY Graduate Center, New York, United States
  • 6UConn Health, Farmington, United States
  • 7Department of Neurology, Albert Einstein College of Medicine, New York, United States
  • 8Department of Psychiatry, Dartmouth College Geisel School of Medicine, Hanover, United States

The final, formatted version of the article will be published soon.

Background: Real-world decision-making often relies on practical judgment – the ability to evaluate information, anticipate consequences, and respond in an adaptive manner. Despite its importance for preserving independence in aging, this construct is understudied in older adults without dementia. Moreover, there is a gap in knowledge about the association of objective and informant-rated measures of judgment and other variables that impact everyday functioning such as scam vulnerability and white matter integrity (as structural white matter changes may precede objective cognitive decline). Methods: Community-dwelling older adults classified as cognitively unimpaired (CU; n=30, Mage=73.57 ± 1.22 years), or has having subjective cognitive decline (SCD; n=33, Mage=72.49 ± 1.13 years) or mild cognitive impairment (MCI; n=30, Mage=78.43 ± 1.53 years) completed the Test of Practical Judgment (TOP-J), an ecologically useful measure of everyday judgment, along with a self-report measure of scam susceptibility (Susceptibility to Scams). Informants provided ratings of participants' practical judgment abilities (TOP-J Informant) and vulnerability to exploitation with the Social Vulnerability Scale and a binary item measuring scam engagement. Kruskal-Wallis and Spearman correlation tests were used to examine group differences and associations between practical judgment and measures of vulnerability. Participants underwent structural MRI; diffusion imaging data were used to extract fractional anisotropy (FA) values and tract-to-region connectivity metrics for the uncinate fasciculus (UF). Associations between UF integrity and structural connectivity with judgment were examined in the overall sample using regression analyses controlling for age, and group differences in white matter integrity were examined using ANCOVA. Results: Greater structural connectivity of the UF in right temporal-frontal and frontal-frontal regions was significantly associated with better informant-reported judgment in the overall sample. Better objective and informant-based practical judgment scores were significantly associated with lower informant-reported scam engagement. Objective and informant-rated judgment abilities were significantly worse among participants with MCI compared to CU. Conclusion: Findings highlight the value of using objective and informant sources to capture real-world judgment ability, with implications for the prevention of harmful outcomes. Our results also suggest that structural connectivity within the UF may be a promising biomarker of impaired judgment in older adults without dementia.

Keywords: decision-making, Practical judgment, Scam susceptibility, structural connectivity, White matter changes

Received: 20 Sep 2025; Accepted: 26 Jan 2026.

Copyright: © 2026 Sergeyev, Heller-Wight, Rooney, Paré, Krishnan, Ellis, Moffitt, Roth, Warren and Rabin. This is an open-access article distributed under the terms of the Creative Commons Attribution License (CC BY). The use, distribution or reproduction in other forums is permitted, provided the original author(s) or licensor are credited and that the original publication in this journal is cited, in accordance with accepted academic practice. No use, distribution or reproduction is permitted which does not comply with these terms.

* Correspondence: Nicole Sergeyev

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