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. 2020 May 19;41(3):542–557. doi: 10.1007/s10834-020-09679-8

Table 3.

Model predicted Emergency fund outcomes—final models

	2009			2012			2015			2018
	Yes	No	p	Yes	No	p	Yes	No	p	Yes	No	P
	38.05			42.93			49.45			52.63
High objective. fin. know.^a	38.93	37.23	*	43.77	42.27	*	51.76	47.96	***	54.54	51.56	***
High subjective. fin. know.^a	44.30	34.42	***	46.95	39.91	***	53.97	45.94	***	58.19	48.74	***
High financial confidence^a	43.33	33.76	***	48.88	38.16	***	55.71	44.49	***	58.76	47.58	***
Owns savings account	42.40	19.79	***	47.09	27.19	***	54.19	30.46	***	57.82	34.95	***

^aAbove-median scores