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. 2022 Feb 2;17(2):e0262659. doi: 10.1371/journal.pone.0262659

Table 3. Post-hoc linear regression model evaluating associations between behavioral intentions (total score, subscores, voting, and protest) and additional covariates.

Total Score (R2 = 0.35) Personal Score (R2 = 0.32) Social Score (R2 = 0.29) Voting (R2 = 0.16) Protest (R2 = 0.15) Transportation (R2 = 0.04)
Effect Mean Estimate SE P Mean Estimate SE P Mean Estimate SE P Mean Estimate SE P Mean Estimate SE P Mean Estimate SE P
Scenario 2 v. 1 -0.17 0.05 <0.001 -0.15 0.05 0.003 -0.22 0.06 <0.001 -0.33 0.12 0.006 -0.11 0.04 0.012 0.10 0.11 0.374
Scenario 3 v. 1 0.32 0.05 <0.001 0.28 0.05 <0.001 0.38 0.06 <0.001 0.39 0.12 0.001 0.11 0.04 0.011 -0.06 0.11 0.592
Scenario 3 v. 2 0.50 0.05 <0.001 0.44 0.05 <0.001 0.60 0.06 <0.001 0.73 0.12 <0.001 0.22 0.04 <0.001 -0.16 0.11 0.156
Age (+1y) 0.00 0.00 0.792 0.00 0.00 0.596 0.00 0.00 0.199 0.01 0.00 0.091 0.00 0.00 0.408 0.00 0.00 0.277
Gender (Ref = Male) 0.130 0.105 0.213 0.534 0.788 0.248
 Female -0.06 0.04 0.163 -0.08 0.04 0.047 -0.01 0.05 0.798 -0.13 0.10 0.191 0.03 0.04 0.348 0.10 0.09 0.275
 Prefer to self-describe -0.38 0.25 0.121 -0.29 0.25 0.243 -0.55 0.32 0.088 -0.27 0.60 0.651 0.09 0.21 0.688 -0.46 0.56 0.411
 Prefer not to say -0.54 0.38 0.157 -0.49 0.38 0.203 -0.63 0.49 0.202 -0.67 0.93 0.473 -0.07 0.33 0.836 -1.16 0.86 0.178
Race/Ethnicity (Ref = White) 0.725 0.176 0.798 0.957 0.798 0.787
 Hispanic -0.07 0.07 0.346 -0.10 0.08 0.208 -0.03 0.10 0.773 -0.20 0.18 0.281 0.04 0.07 0.546 0.11 0.17 0.511
 Black or African American 0.05 0.08 0.554 0.11 0.08 0.192 -0.05 0.10 0.602 -0.05 0.19 0.783 0.01 0.07 0.919 0.00 0.18 0.986
 Asian 0.00 0.07 0.963 -0.07 0.07 0.322 0.14 0.10 0.147 -0.15 0.18 0.397 0.02 0.06 0.716 0.15 0.17 0.384
 Native Hawaiian or Pacific Islander 0.84 0.69 0.220 1.35 0.69 0.052 -0.04 0.89 0.961 -0.43 1.67 0.797 0.10 0.60 0.864 -0.83 1.55 0.593
 American Indian or Alaskan Native -0.34 0.28 0.226 -0.34 0.29 0.238 -0.35 0.37 0.335 -0.28 0.69 0.688 0.06 0.25 0.804 -0.39 0.64 0.541
 Some other race, ethnicity, or origin 0.06 0.26 0.817 0.13 0.26 0.618 -0.06 0.34 0.852 0.06 0.64 0.926 0.13 0.23 0.557 0.52 0.59 0.379
 Prefer not to say 0.03 0.24 0.894 0.05 0.24 0.841 0.00 0.30 0.991 0.17 0.57 0.760 0.37 0.20 0.074 0.68 0.53 0.205
Political Affiliation (Ref = Republican) 0.082 0.364 0.014 0.437 0.135 0.551
 Democrat -0.10 0.06 0.089 -0.07 0.06 0.199 -0.14 0.07 0.061 -0.10 0.14 0.452 0.00 0.05 0.958 -0.13 0.13 0.287
 Independent 0.00 0.06 0.960 -0.02 0.06 0.737 0.04 0.07 0.572 -0.18 0.14 0.199 0.08 0.05 0.113 -0.11 0.13 0.389
Education (Ref = 8th grade or less) 0.234 0.233 0.423 0.208 0.848 0.573
 Some high school, but did not graduate 0.69 0.73 0.348 0.39 0.74 0.602 1.22 0.95 0.199 1.21 1.78 0.497 0.49 0.64 0.445 0.95 1.66 0.568
 High school graduate or GED 0.53 0.69 0.445 0.26 0.70 0.705 0.99 0.90 0.268 1.03 1.68 0.542 0.45 0.60 0.458 0.47 1.57 0.762
 Some college or 2-year degree 0.66 0.69 0.339 0.39 0.70 0.579 1.14 0.90 0.202 1.27 1.68 0.449 0.40 0.60 0.504 0.64 1.57 0.684
 4-year college degree 0.61 0.69 0.376 0.33 0.70 0.639 1.11 0.90 0.214 1.33 1.68 0.428 0.40 0.60 0.503 0.76 1.57 0.628
 More than 4-year college degree 0.70 0.69 0.312 0.44 0.70 0.533 1.17 0.90 0.193 1.50 1.68 0.372 0.45 0.60 0.457 0.65 1.57 0.679
Health Status (Ref = "Excellent") 0.037 0.028 0.033 0.026 0.947 0.801
 Very good -0.13 0.06 0.037 -0.06 0.06 0.330 -0.25 0.08 0.002 -0.46 0.15 0.002 0.03 0.05 0.613 -0.04 0.14 0.759
 Good -0.15 0.07 0.021 -0.11 0.07 0.104 -0.23 0.08 0.007 -0.37 0.16 0.018 0.03 0.06 0.649 0.09 0.15 0.557
 Fair -0.09 0.09 0.307 -0.03 0.09 0.739 -0.20 0.11 0.086 -0.44 0.21 0.040 -0.01 0.08 0.897 -0.04 0.20 0.845
 Poor -0.45 0.17 0.008 -0.52 0.17 0.003 -0.33 0.22 0.135 -0.81 0.42 0.051 -0.04 0.15 0.782 0.15 0.39 0.697
CFPB Score (+1) 0.00 0.00 0.635 0.00 0.00 0.431 0.00 0.00 0.947 0.00 0.00 0.555 0.00 0.00 0.342 0.00 0.00 0.975
Construct Score (+1) -0.12 0.01 <0.001 -0.11 0.01 <0.001 -0.12 0.01 <0.001 -0.16 0.01 <0.001 -0.06 0.01 <0.001 -0.07 0.01 <0.001
Description (Ref = Metro) 0.025 0.082 0.022 0.562 0.220 0.747
 Nonmetro—metro adjacent 0.21 0.08 0.007 0.17 0.08 0.029 0.28 0.10 0.006 0.20 0.19 0.309 0.11 0.07 0.109 0.00 0.18 0.986
 Nonmetro—not metro adjacent 0.06 0.10 0.534 0.07 0.10 0.516 0.06 0.13 0.661 0.11 0.25 0.670 0.07 0.09 0.419 -0.17 0.23 0.448
Household Risk (Ref = Yes) 0.110 0.113 0.190 0.476 0.884 0.336
 No 0.09 0.05 0.054 0.07 0.05 0.132 0.13 0.06 0.040 -0.14 0.12 0.226 0.00 0.04 0.927 0.18 0.11 0.089
 Do not know 0.36 0.27 0.179 0.48 0.27 0.078 0.16 0.35 0.646 0.56 0.65 0.393 -0.09 0.23 0.686 -0.22 0.61 0.721
 Prefer not to say 0.43 0.34 0.210 0.43 0.34 0.206 0.42 0.44 0.345 -0.16 0.83 0.842 -0.21 0.30 0.479 0.46 0.77 0.553
Residence (Ref = House/condo/townhouse) 0.200 0.097 0.684 0.182 0.589 0.609
 Apartment/assisted living facility/dormitory -0.09 0.05 0.078 -0.11 0.05 0.033 -0.06 0.07 0.393 -0.20 0.12 0.108 -0.04 0.04 0.411 0.11 0.11 0.322
 Other -0.09 0.22 0.674 -0.11 0.23 0.619 -0.06 0.29 0.827 -0.54 0.54 0.317 -0.13 0.19 0.506 0.08 0.51 0.878

Post-hoc linear regression analysis, which includes additional covariates (health status, zip code density, CFPB, and composite TPB score) compared to the pre-specified multivariable model. Mean estimate refers to mean absolute estimate difference compared to the reference group, and SE refers to Standard Error. Statistically significant differences were shown through bolded p-values. CFPB refers to Consumer Finance Protection Bureau’s (CFPB) financial well-being score. Construct score refers to the composite TPB score. R2 refers to the amount of variance within the dependent variable that is explained by the independent variables in the regression model.