Variables | Coefficient | 95% CI | Standard error | t-value |
---|---|---|---|---|
Dependent variable: Discount rate (β) | ||||
 PAL minutes | − 0.091b | [−0.171,-0.012] | 0.041 | −2.26 |
 Old | −0.036 | [−0.116,0.044] | 0.041 | −0.88 |
 Male | 0.057 | [−0.016,0.130] | 0.037 | 1.54 |
 Household income | − 0.039 | [− 0.091,0.013] | 0.026 | −1.47 |
 Single | −0.138b | [−0.263,-0.013] | 0.064 | −2.17 |
 Child | −0.134c | [− 0.217,-0.051] | 0.042 | −3.17 |
 Own house | 0.097b | [0.007,0.186] | 0.046 | 2.12 |
 Constant | 0.339c | [0.114,0.563] | 0.114 | 2.96 |
Dependent variable: Present-biasedness (α) | ||||
 PAL minutes | −3.790c | [−5.990,-1.591] | 1.122 | −3.38 |
 Old | −2.607c | [−3.948,-1.266] | 0.684 | −3.81 |
 Male | 1.296 | [−0.277,2.869] | 0.803 | 1.61 |
 Household income | −0.888a | [−1.796,0.020] | 0.463 | − 1.92 |
 Single | −3.619b | [−6.697,-0.542] | 1.570 | −2.31 |
 Child | −2.533c | [−4.058,-1.008] | 0.778 | −3.26 |
 Own house | 5.537c | [2.398,8.676] | 1.601 | 3.46 |
 Constant | 5.745b | [0.959,10.531] | 2.442 | 2.35 |
Dependent variable: Risk preference (γ) | ||||
 PAL minutes | −0.102c | [− 0.177,-0.027] | 0.038 | −2.68 |
 Old | −0.007 | [−0.096,0.082] | 0.046 | −0.16 |
 Male | 0.003 | [−0.069,0.075] | 0.037 | 0.08 |
 Household income | 0.003 | [−0.038,0.044] | 0.021 | 0.16 |
 Single | 0.065 | [−0.029,0.160] | 0.048 | 1.35 |
 Child | −0.014 | [−0.103,0.076] | 0.046 | −0.30 |
 Own house | 0.060 | [−0.069,0.189] | 0.066 | 0.91 |
 Constant | 0.770c | [0.452,1.087] | 0.162 | 4.74 |
 μRA | 0.145c | [0.085,0.205] | 0.031 | 4.76 |
 μDR | 0.099 | [−0.076,0.274] | 0.089 | 1.11 |
 Log likelihood | − 3371.89 |  |  |  |
 Number of observations | 6650 |  |  |  |