Table 3.

Financial Integration Practices in 2008, by relationship status in 2010

	Full Sample		Still Cohabiting		Married		Dissolution
	Mean	Std. Err.	Mean	Std. Err.	Mean	Std. Err.	Mean	Std. Err.
Panel A
Necessitating financial integration practice
Share household expenses
Yes	0.885	0.029	0.873	0.045	0.916	0.042	0.890	0.035
No	0.115	0.029	0.127	0.045	0.084	0.042	0.110	0.035
Progressive financial integration practices
Shared bank account
Yes	0.161	0.024	0.152	0.033	0.309	0.066	0.122	0.033a,b
No	0.839	0.024	0.848	0.033	0.691	0.066	0.878	0.033a,b
Only joint	0.111	0.021	0.095	0.028	0.183	0.060	0.106	0.029
Joint and separate	0.050	0.012	0.056	0.019	0.126	0.042	0.016	0.012b
Only Separate	0.561	0.035	0.539	0.055	0.589	0.073	0.581	0.059
No joint, no separate	0.278	0.035	0.309	0.056	0.102	0.056	0.297	0.054a,b
Shared credit card account
Yes	0.096	0.019	0.058	0.022	0.220	0.064	0.105	0.031a
No	0.904	0.019	0.942	0.022	0.780	0.064	0.895	0.031a
Only joint	0.040	0.013	0.019	0.013	0.133	0.057	0.036	0.016a,b
Joint and separate	0.056	0.014	0.038	0.017	0.088	0.039	0.069	0.027
Only separate	0.462	0.034	0.465	0.053	0.548	0.075	0.429	0.055
No joint, no separate	0.441	0.038	0.477	0.055	0.232	0.069	0.466	0.058a,b
Investment financial integration practice
Shared homeownership/mortgage
Yes	0.133	0.022	0.108	0.028	0.299	0.077	0.107	0.032a,b
No	0.867	0.022	0.892	0.028	0.701	0.077	0.893	0.032a,b
Panel B
Combination of financial integration practices
Number of shared financial practices (0–4)	1.274	0.065	1.190	0.088	1.744	0.156	1.224	0.081a,b
None	0.100	0.026	0.116	0.041	0.029	0.016	0.104	0.034
Only shared expenses	0.624	0.036	0.660	0.054	0.421	0.077	0.646	0.053a,b
Only joint bank account	0.004	0.003	0.008	0.005	0.000	0.000	0.002	0.005
Only joint credit account	0.006	0.005	0.000	0.000	0.035	0.035	0.004	0.004
Only shared homeownership	–	–	–	–	–	–	–	–
Expenses and bank account	0.070	0.013	0.066	0.018	0.123	0.042	0.057	0.021
Banking and credit card	0.002	0.003	0.004	0.006	–	–	–	–
Expenses and credit card	0.031	0.010	0.011	0.005	0.061	0.032	0.047	0.023a
Banking and housing	0.003	0.003	–	–	0.019	0.019	–	–
Expenses and housing	0.075	0.016	0.059	0.021	0.137	0.064	0.074	0.027
Credit card and housing	–	–	–	–	–	–	–	–
Expenses, bank, and credit	0.030	0.011	0.027	0.019	0.031	0.015	0.033	0.015
Expenses, bank, and housing	0.028	0.009	0.034	0.015	0.049	0.027	0.013	0.007
Expenses, credit card, and housing	0.003	0.002	0.002	0.002	0.007	0.008	0.002	0.004
Bank, credit, and housing	–	–	–	–	–	–	–	–
All four practices	0.024	0.010	0.013	0.008	0.086	0.051	0.018	0.017a

Observations NLSY-YA analytic sample N = 691; Last column denotes significant difference in group means (p <0.05)

^aStill cohabiting/marry

^bMarry/dissolved

^cStill cohabiting/dissolved. Weighted estimates to account for non-random sample attrition