. 2022 Sep 20;13:977818. doi: 10.3389/fpsyg.2022.977818

Table 10.

Study 2 regression analyses examining the incremental associations of SDT motivations on financial outcomes.

	Step 1								Step 2
	Age		Gender		H. Wealth		Inc		Edu. Att.		Aut. Mot		Con. Mot		Amot.
	b(SE)	b^*	b(SE)	b^*	b(SE)	b^*	b(SE)	b^*	b(SE)	b^*	b(SE)	b^*	b(SE)	b^*	b(SE)	b^*
Financial Knowledge	0.01(0.01)	0.12^*	0.38(0.07)	0.23^*	0.01(0.02)	0.01	0.08(0.04)	0.12	0.19(0.03)	0.25^*	−0.10(0.07)	−0.07	0.23(0.07)	0.17^*	−0.30(0.06)	−0.24^*
	R² = 0.22, F_{(5, 520)} = 29.88, p < 0.001								R² = 0.26, F_{(8, 517)} = 23.08, p < 0.001
Spend	−0.07(0.11)	−0.03	0.65(1.11)	0.03	0.18(0.37)	0.24	2.36(0.72)	0.24^**	−0.06(0.56)	−0.01	2.47(1.13)	0.12^*	−0.36(1.22)	−0.02	−2.90(0.99)	−0.15^**
	R² = 0.07, F_{(5, 520)} = 7.67, p < 0.001								R² = 0.11, F_{(8, 517)} = 7.89, p < 0.001
Save	−0.34(0.13)	−0.11^**	2.34(1.29)	0.08^‡	0.47(0.43)	0.07	3.38(0.83)	0.30^**	0.26(0.66)	0.02	7.12(1.30)	0.27^**	−1.44(1.40)	−0.06	3.09(1.14)	0.13^**
	R² = 0.15, F_{(5, 520)} = 17.83, p < 0.001								R² = 0.21, F_{(8, 517)} = 6.83, p < 0.001
Borrow	−0.22(0.11)	−0.08^‡	1.52(1.14)	0.06	0.46(0.39)	0.08	2.71(0.74)	0.26^**	0.21(0.58)	0.02	4.20(1.16)	0.19^**	0.61(1.26)	0.03	−1.33(1.02)	−0.06
	R² = 0.11, F_{(5, 520)} = 13.33, p < 0.001								R² = 0.16, F_{(8, 517)} = 12.00, p < 0.001
Plan	−0.33(0.12)	−0.12^**	1.80(1.19)	0.07	0.36(0.40)	0.06	2.71(0.77)	0.25^**	−0.01(0.60)	0	8.51(1.16)	0.37^**	−1.32(1.26)	−0.06	1.71(1.02)	0.08^‡
	R² = 0.10, F_{(5, 520)} = 11.52, p < 0.001								R² = 0.20, F_{(8, 517)} = 16.53, p < 0.001

N = 526, eight observations omitted because of missing values for gender;

^‡

p <0.10;

p <0.05;

^**

p <0.001;

Gender: Female = −1, Male = 1; The effect size b(SE) is the unstandardized regression coefficients with mean-centered predictors; b^* is the standardized regression coefficient. The p-values are rounded to the nearest thousandth. All other statistics are rounded to the nearest hundredth.