Table 16.

Correlations

Spearman's ρ	Occupation (employed-Y/N)	Income	Education (high or low)	Ethnicity (black or white only)
Time preference
Rho	−0.171**	0.230**	0.258**	0.169**
p value	<0.0001	<0.0001	<0.0001	<0.0001
N	561	561	561	511

^**Correlation is significant at the 0.01 level (2-tailed).