Table 4:

Economic Benefits

	Staying Afloat Benefit				Investment Benefit
	Absent	Present	#	X2	Absent	Present	#	X2
Gender
Men	78	53	131	.267	88	43	131	2.206
	59.5%	40.5%			67.2%	32.8%
Women	30	17	47		37	10	47
	63.8%	36.2%			78.7%	21.3%
Minority Status
Non-white or	72	49	121	.217	78	43	121	6.000*
Hispanic	59.5%	40.5%			64.5%	35.5%
Non-Hispanic	36	21	57		47	10	57
White	63.2%	36.8%			82.5%	17.5%
Ethnicity
Hispanic or	17	21	38	5.143*	28	10	38	0.277
Latino	44.7%	55.3%			73.7%	26.3%
Non-Hispanic	91	49	140		97	43	104
	65.0%	35.0%			69.3%	30.7%
Education
High School	24	25	49	3.875*	41	8	49	5.848*
or Less	49.0%	51.0%			83.7%	16.3%
More than HS	84	45	129		84	45	129
	65.1%	34.9%			65.1%	34.9%
Unemployed
Some	74	31	105	10.309**	71	34	105	0.831
Employment	70.5%	29.5%			67.6%	32.4%
Unemployed	34	39	73		54	19	73
	46.6%	53.4%			74.0%	26.0%
Age
Less than 50	92	60	152	0.010	100	52	152	9.790**
	60.5%	39.5%			65.8%	34.2%
50 or Older	16	10	26		25	1	26
	61.5%	38.5%			96.2%	3.8%
Trial Participation
Less than 6	54	38	92	0.312	71	21	92	4.398*
Trials	58.7%	41.3%			77.2%	22.8%
6 or More	54	32	86		54	32	86
Trials	62.8%	37.2%			62.8%	37.2%

^*indicates p < .05

^**indicates p < .01