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. Author manuscript; available in PMC: 2009 May 1.
Published in final edited form as: J Risk Uncertain. 2008 Dec 1;37(2-3):237–269. doi: 10.1007/s11166-008-9053-x

Table 12.

Financial behavior regressions (Web study)

Gamble Late fee Bill payed in full % Saved Wealth to friends Wealth to siblings
Discounting 1.604
(4.907)		 1.980
(4.833)		 33.064
(8.013)***		 147.103
(115.762)		 6.016
(6.114)		 -1.041
(6.704)
Age 0.029
(0.038)		 0.091
(0.037)**		 0.123
(0.062)**		 1.269
(0.891)		 0.045
(0.047)		 -0.018
(0.052)
Age2/100 -0.025
(0.050)		 -0.122
(0.049)**		 -0.158
(0.082)*		 -1.691
(1.185)		 -0.059
(0.063)		 0.026
(0.069)
Female -0.218
(0.095)**		 -0.032
(0.094)		 0.341
(0.155)**		 4.289
(2.240)*		 0.094
(0.118)		 0.000
(0.130)
Cognitive -0.331
(0.069)***		 -0.088
(0.068)		 -0.262
(0.112)**		 -0.034
(1.621)		 0.093
(0.086)		 -0.058
(0.094)
Education -0.015
(0.016)		 0.025
(0.016)		 -0.010
(0.027)		 -0.015
(0.385)		 0.016
(0.020)		 -0.025
(0.022)
Observations 326 326 326 326 326 326
R-squared 0.115 0.037 0.091 0.023 0.016 0.007