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. Author manuscript; available in PMC: 2018 Jul 17.
Published in final edited form as: J Fam Econ Issues. 2016 Apr 8;38(1):84–99.

Table 4.

Logistic regression models of financial integration practices

Variables Financial Integration Practices
Necessitating Progressive Investment
Shared expenses
ME		 Joint bank account
ME		 Joint credit card account
ME		 Shared mortgage
ME
Demographic and family background characteristics
 Female −0.002
(0.050)		 −0.127**
(0.040)		 0.007
(0.033)		 0.004
(0.045)
 Hispanic −0.025
(0.050)		 −0.014
(0.046)		 0.019
(0.040)		 −0.134**
(0.049)
 Non-Hispanic Black −0.005
(0.050)		 −0.026
(0.048)		 −0.074
(0.045)		 −0.041
(0.046)
 Mother age 20 or younger at birth 0.004
(0.068)		 0.060
(0.045)		 −0.039
(0.049)		 0.082
(0.054)
 Parents married at age 14 −0.003
(0.044)		 0.077*
(0.038)		 −0.025
(0.033)		 0.024
(0.036)
 Mother has less than hs degree −0.005
(0.051)		 −0.069
(0.071)		 −0.010
(0.045)		 −0.017
(0.060)
Socioeconomic Characteristics
 Less than high school degree (ref: high school degree) 0.046
(0.053)		 −0.034
(0.049)		 −0.025
(0.042)		 −0.063
(0.046)
 Some college 0.025
(0.045)		 0.069
(0.048)		 0.002
(0.040)		 −0.060
(0.046)
 Bachelors or more 0.117
(0.084)		 0.011
(0.070)		 0.060
(0.041)		 0.016
(0.061)
 Currently enrolled −0.031
(0.057)		 −0.108
(0.072)		 −0.037
(0.043)		 −0.150+
(0.075)
 Currently employed full-time −0.028
(0.105)		 −0.138
(0.088)		 0.070
(0.115)		 −0.010
(0.113)
 Income (ln) 0.012
(0.008)		 0.005
(0.008)		 −0.009
(0.007)		 0.005
(0.010)
 Partner’s working full-time −0.028
(0.059)		 0.057
(0.100)		 −0.043
(0.090)		 0.050
(0.061)
 Partner’s Income (ln) 0.016*
(0.008)		 0.007
(0.012)		 0.015
(0.011)		 0.001
(0.008)
 Other adults in the household −0.052
(0.045)		 −0.092+
(0.052)		 −0.146**
(0.044)		 −0.112+
(0.061)
Relationship characteristics
 Age at start of cohabitation 0.007
(0.012)		 −0.008
(0.010)		 0.006
(0.009)		 −0.008
(0.016)
 Prior cohabitation −0.027
(0.044)		 −0.004
(0.050)		 −0.075+
(0.040)		 −0.045
(0.054)
 Previously married 0.000
(0.082)		 −0.030
(0.081)		 −0.083
(0.071)		 −0.010
(0.057)
 Partner previously married −0.022
(0.078)		 0.008
(0.096)		 0.074
(0.052)		 −0.002
(0.078)
 Shared children in household −0.104*
(0.055)		 −0.037
(0.055)		 −0.044
(0.035)		 −0.006
(0.042)
 Partner’s non-bio child in household 0.159
(0.117)		 −0.184
(0.110)		 −0.068
(0.079)		 −0.224+
(0.118)
 Cohabitation duration: 1–3 years (ref: less than a year) 0.036*
(0.018)		 0.015
(0.014)		 0.001
(0.013)		 −0.007
(0.016)
 Relationship quality 0.024
(0.042)		 0.028
(0.045)		 0.000
(0.038)		 0.045
(0.050)
 Definite plans to marry 0.054
(0.042)		 0.098*
(0.048)		 0.118**
(0.040)		 0.140**
(0.049)

Sample data from NLSY79 Young Adult Survy (N = 691). Average marginal effects reported; standard errors in brackets

***

p < 0.001,

**

p < 0.01,

*

p < 0.05,

+

p < 0.1. Weighted estimates to account for non-random sample attrition