Table 4.

Standardized regression weights for the structural equation model for the moderating effect of gender.

Female	Control (R 2 =0.46)			Delay of gratification (R 2 =0.10)			Budgeting (R 2 =0.34)			Delay of gratification (R 2 =0.08)			B	SE B	β	B	SE B	β	B	SE B	β	B	SE B	β
Educational background (0=vocational, 1=academic)	−0.19	0.09	−0.24*	1.01	1.19	0.09	0.16	0.13	0.13	0.20	0.97	0.09
Migration background (0=without, 1=with)	0.09	0.10	0.10	−2.55	1.34	−0.20*	−0.05	0.15	−0.04	−2.55	1.34	−0.20*
Age	0.004	0.011	−0.03	0.086	0.16	0.05	−0.041	0.017	−0.24*	0.09	0.16	0.05
OLT in finance (0=no, 1=yes)	0.002	0.069	0.003	0.20	0.97	0.02	0.232	0.109	0.22*	0.20	0.97	0.02
Self-reported FL (1=low-4=high)	−0.01	0.05	−0.02	−0.77	0.73	−0.10	0.22	0.08	0.28**	−0.77	0.73	−0.10
Delay of gratification	0.05	0.01	0.68**				0.04	0.01	0.42**	0.20	0.97	0.02
Male	Control (R 2 =0.33)			Delay of gratification (R 2 =0.10)			Budgeting (R 2 =0.24)			Delay of gratification (R 2 =0.10)			B	SE B	β	B	SE B	β	B	SE B	β	B	SE B	β
Educational background (0=vocational, 1=academic)	−0.09	0.12	−0.09	3.21	1.67	0.21*	0.13	0.17	0.09	3.25	1.66	0.21*
Migration background (0=without, 1=with)	−0.01	0.11	−0.01	−0.66	1.58	−0.05	−0.12	0.16	−0.08	−0.62	1.58	−0.04
Age	0.00	0.01	0.03	−0.18	0.21	−0.09	−0.03	0.02	−0.14	−0.18	0.21	−0.09
OLT in finance (0=no, 1=yes)	−0.16	0.10	−0.17	−0.08	1.41	−0.01	−0.12	0.14	−0.09	−0.10	1.41	−0.01
Self-reported FL (1=low-4=high)	−0.11	0.07	−0.16	2.15	1.07	0.21*	0.04	0.10	0.04	2.14	1.07	0.20*
Delay of gratification	0.04	0.01	0.57**				0.04	0.01	0.42**
Modelfit	χ2 =206,919, df=174, p =0.045, CFI =0.91, RMSEA=0.031, PCLOSE=0.984;						χ2 =164,846, df=116, p =0.002, CFI =0.89, RMSEA=0.046, PCLOSE=0.648

^*p<0.05,

^**p<0.01.