主動尋求生涯挑戰不僅是個體開啟生涯正向發展循環的關鍵要素，同時也是國內青年普遍缺乏的傾向。為了增進對此傾向的了解，以介入改善青年趨於安逸、害怕跨出舒適圈的生涯困境，本研究針對生涯決策自我效能對於尋求生涯挑戰傾向的影響與其內在機制進行探討，並檢驗此影響是否透過生涯決策模糊忍受力這一中介變項產生，以及是否會受到金錢自我價值後效的調節。410名大專以上在學生的調查結果顯示：一、生涯決策自我效能對尋求生涯挑戰的「尋求生涯內在挑戰」向度具有正向的預測效果；對「尋求生涯穩定保障」向度則無顯著影響。二、生涯決策模糊忍受力的「模糊偏好」向度在生涯決策自我效能與尋求生涯內在挑戰間有顯著的中介效果；而「模糊厭惡」則在生涯決策自我效能與尋求生涯穩定保障間有顯著的中介效果。三、金錢後效會削弱生涯決策自我效能對尋求生涯內在挑戰的正向影響。對低金錢後效的個體而言，生涯決策自我效能與尋求生涯內在挑戰間的正向關係較強；對高金錢後效的個體而言，兩者的正向關係則較弱。另一方面，金錢後效也會削弱生涯決策自我效能與尋求生涯穩定保障間的負向關係。對高金錢後效的個體而言，金錢後效的作用甚至會使兩者由負向轉為正向關係，使高生涯決策自我效能者，反而更傾向尋求生涯穩定保障。四、調節式中介模式：金錢後效會調節「生涯決策自我效能透過模糊偏好對尋求生涯內在挑戰產生的間接效果」，對低金錢後效的個體而言，生涯決策自我效能會透過提升其模糊偏好，進而增加個體尋求生涯內在挑戰的傾向；但對高金錢後效的個體而言，此間接效果較弱。另一方面，金錢後效也會調節「生涯決策自我效能透過模糊厭惡對尋求生涯穩定保障產生的間接效果」，對低金錢後效的個體而言，生涯決策自我效能會透過降低其模糊厭惡，進而降低其尋求生涯穩定保障的傾向。對高金錢後效的個體而言，此間接效果較弱。

Pursuing career challenge is not only a key element for individuals to start a positive development cycle of their careers, but also the tendency that domestic youths generally lack of. To understand this tendency and making suggestions to effectively improve career difficulties of youths that afraid of crossing the comfort zone, this study aims to explore the effect and underlying mechanism of career decision-making self-efficacy(CDMSE) on career challenge-seeking tendency. For example, whether it works through career decision ambiguity tolerance (CDAT) and will it be moderated by money contingent self-worth (money CSW). Survey results of 410 college students show:
(1)CDMSE has a positive effect on career challenge-seeking tendency.
(2)Ambiguity preference mediates the relationship between CDMSE and pursuit of inner challenge. While Ambiguity aversion mediates the relationship between CDMSE and pursuit of security and stability.
(3)Money CSW moderates the relation between CDMSE and pursuit of inner challenge. The positive effect of CDMSE on pursuit of inner challenge is weaken as the level of money CSW increased. On the other hand, money CSW would also weaken the negative relationship between CDMSE and pursuit of security and stability. For individuals with high money CSW, the effect of money CSW would even change the relation from a negative to a positive relationship, finally increased individual's pursuit of security and stability.
(4)Money CSW moderates the positive indirect effect of CDMSE on pursuit of inner challenge through ambiguity preference. The indirect effect of CDMSE on pursuit of security and stability is also moderated by money CSW.

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