Table 3.

Multilevel models estimating time-varying financial strain as a predictor of heavy drinking

	Heavy drinking
	Model 1		Model 2		Model 3
Variable	Coeff. (OR)	p	Coeff. (OR)	p	Coeff. (OR)	P
Financial strain, time varying	0.013(1.013)	.834	−0.028(0.972)	.641	−0.110(0.896)	.054
Financial Strain × Gender			0.243(1.275)	.000	0.303(1.354)	.000
Financial Strain × Education			−0.226(0.798)	.010	−0.015 (0.985)	.812
Financial Strain × Age			0.101 (1.106)	.175	0.018(1.018)	.782
Financial Strain × Gender × Age					0.143 (1.154)	.055
Financial Strain × Education × Age					0.269(1.309)	.001
Financial Strain × Gender × Education					−0.083 (0.921)	.236

Notes: All models control for gender, education, and age at baseline, average financial strain across all observations, time, and attrition. Coeff. = coefficient; OR = odds ratio.