TABLE 3.

The basic characteristics of each variable.

Variables	Frequency (Relative frequency)					Mean
	1	2	3	4	5
Dependent variable
Daily expenditure	65 (6.4%)	335 (32.8%)	126 (12.3%)	282 (27.6%)	213 (20.9%)	3.24
Life insurance purchase	77 (7.5%)	212 (20.8%)	446 (43.7%)	178 (17.4%)	108 (10.6%)	3.03
Investment or loan	334 (32.7%)	208 (20.4%)	337 (33%)	78 (7.6%)	64 (6.3%)	2.34
Housing choice	109 (10.7%)	194 (19%)	485 (47.5%)	142 (13.9%)	91 (8.9%)	2.91
Medical treatment	66 (6.5%)	156 (15.3%)	510 (50.0%)	158 (15.5%)	131 (12.8%)	3.13
Adult children’s career choice	376 (36.8%)	313 (30.7%)	253 (24.8%)	57 (5.6%)	22 (2.2%)	2.06
Grandchildren’s living arrangements	287 (28.1%)	337 (33.0%)	271 (26.5%)	83 (8.1%)	43 (4.2%)	2.27
Independent variables
RIL	532 (52.1%)	252 (24.7%)	150 (14.7%)	68 (6.7%)	18 (1.8%)	1.81
REL	70 (6.9%)	542 (53.1%)	302 (29.6%)	106 (10.4%)	1 (0.1%)	2.44
Intervening variable
RAC	18 (1.8%)	117 (11.5%)	323 (31.6%)	349 (34.2%)	214 (21.0%)	3.53