Table 3.

Descriptive statistics for outcomes and Spearman’s rho (ρ) correlations between predictors and problem outcomes with money in Study 1

Outcome	M	SD	Predictor
			DG-Gist	ST-TW	MCQ	ONS
How often do you pay ONLY the minimum payment on a credit card bill that you are for paying? responsible	1.78	1.50	−.242*	.012	.157	−.196*
How often do you overdraw your bank account?	1.53	1.12	−.209**	.128	.123	−.141*
Of credit card bills that you are responsible for paying, how much of your bill do you pay every month?	4.22	1.29	.253*	−.002	−.136	.229*
How often do you put away money into savings?	2.56	1.75	.245**	−.139**	−.046	−.065
Estimates of debt
What is the current dollar value of your credit card debt, if any?	123.14	546.52	−.173*	−.012	.042	.023
What is the current dollar value of your student loan debt, if any?	5328.7	11458.76	−.125	−.081	.130	.095
What is the current dollar value of your automobile loan debt, if any?	63.73	535.31	.010	.032	.056	−.079
If I gave you $1000, what would you do with it? (allocation task)
Spend immediately (on entertainment, a vacation, other fun activities)	12.90	17.63	−.198**	.163*	.170*	−.103
Pay credit card bills	7.57	15.97	−.090	−.016	.042	−.071
Pay other bills	7.19	14.45	−.060	−.002	.098	−.137*
Put it in a checking account	31.10	27.57	−.096	.073	.006	−.011
Put it in a savings account	32.67	28.88	.248**	−.114	−.102	−.063
Other	8.55	11.53	−.019	−.130	.091	−.034
Subjective well-being
All things considered, how satisfied are you with your life as a whole these days?	3.89	0.91	.181**	−.102	−.050	.006
Taken all together, how would you say things are these days – would you say that you are very happy, pretty happy, or not very happy?	1.87	0.62	.128	−.144*	−.067	−.010

^aNote: DG-Gist, Delay of Gratification-Gist; ST-TW, Spendthrift-tightwad; MCQ, Monetary Choice Questionnaire; ONS, Objective Numeracy Scale. Significant relationships are bolded. Response scales and scoring were as follows. Minimum Payment: never (1), less than once a year (2), between once a year and every six months (3), between once every six months and every month (4), every month (5); Overdraw: never (1), less than once a year (2), between once a year and every six months (3), between once every six months and once every two months (4), roughly every other month (5), about once a month (6), several times per month (7); Credit Card: never (1), less than once a year (2), between once a year and every six months (3), between once every six months and every month (4), every month (5); Saving: never (1), less than once a year (2), between once a year and once every six months (3), between once every six months and once every two months (4), roughly every two months (5), every month. (6); Life Satisfaction: very dissatisfied (1), dissatisfied (2), neutral (3), satisfied (4), very satisfied (5); Happiness: not too happy (1), pretty happy (2), very happy (3).

^*p < .05

^**p < .01