Table 6.

Detailed Estimates from Models Predicting Respondents’ Net Worth at Age 65

	Men		Women
Type of work/family trajectory	b	(s.e.)	b	(s.e.)
Employment status trajectories
Consistently employed	[ Reference Group ]		[ Reference Group ]
Retired in early 60s	−0.22	(0.12)	−0.08	(0.13)
Retired in mid 50s	−0.00	(0.18)	–	–
Intermittent/no employment	−0.53	(0.26)	−0.10	(0.25)
Late entry	–	–	−0.08	(0.16)
“Bad job” trajectories
Never held a bad job	[ Reference Group ]		[ Reference Group ]
Always held a bad job	−0.84	(0.15)	−0.96	(0.17)
Transitioned into a bad job	−0.76	(0.16)	−0.75	(0.16)
Transitioned out of a bad job	−0.32	(0.15)	−0.32	(0.15)
Health insurance trajectories
Received healthinsurance until 60s	[ Reference Group ]		[ Reference Group ]
Received health insurance until 50s	0.26	(0.20)	0.04	(0.22)
Intermittent	0.06	(0.21)	–	–
Never received health insurance	0.19	(0.33)	−0.17	(0.23)
Transitioned into a job with insurance	–	–	0.29	(0.19)
Pension benefits trajectories
Received pension benefits until 60s	[ Reference Group ]		[ Reference Group ]
Received pension benefits until 50s	−0.34	(0.18)	−0.03	(0.22)
Never received benefits	−0.68	(0.25)	−0.42	(0.22)
Intermittent	−0.32	(0.20)	–	–
Transitioned into a job with pension benefits	–	–	−0.43	(0.20)
Marital status trajectories
Marriage in early to mid-20s	[ Reference Group ]		[ Reference Group ]
Marriage after age 30	0.04	(0.12)	−0.20	(0.12)
Multiple marriages	−0.33	(0.15)	–	–
Divorce with no remarriage	−1.03	(0.21)	−1.38	(0.17)
Constant	13.19	(0.11)	12.63	(0.11)

Note: Indicators of trajectory group membership were obtained from LCGA models; results for other models are available upon request. Bolded coefficients have p -values that are less than or equal to 0.05. All estimates are weighted to account for non-random sample attrition. All of our work and family trajectory-based measures were entered into the model simultaneously. See text for further details.