The Cost-Benefit of Aging: Financial Capability and Well-Being across Age Groups in Brazil

Table 5

Less than 37 years old (n = 138).

Depend	Model 6	Model 7	Model 8	Model 9	Model 10
	Behavior	Behavior	Preparedness	Resilience	FWB
Model	HC	HC	HC	HC	HC
Const	2.673	2.705	1.097	1.325	−2.491
Knowledge	0.155	0.169
Behavior			0.297	0.615	0.224
PsyFactor1	0.186	0.185
PsyFactor2	0.113	0.123
Grit		−0.008
Resilience future		0.011
Sex	−0.272	−0.328	0.086	1.222	0.120
Age	0.014	0.005	0.012	−0.096	0.009
School	−0.039	−0.018	−0.075	−0.056	−0.053
Income	0.058	0.069	0.097	0.837	0.243
With children	−0.255	−0.277	−0.262	0.171	0.012
Lives alone	−0.198	−0.209	0.015	1.214	0.336
Lives others	−0.395	−0.374	−0.012	1.171	0.303
Main source income	0.154	0.196	−0.064	−0.620	0.149
Own residence	0.045	0.102	−0.007	−0.932	0.185
Single parent	−0.216	−0.083	0.532	−2.220	−0.560
Fin support	−0.211	−0.217	−0.037	−0.862	−0.052
Parents taught save	0.084	0.100	−0.076	−0.137	−0.143
Any scheme		−0.096	−0.704	−0.091	0.010
INSS		0.002	−0.412	0.981	0.094
Public servant scheme		−0.054	0.531	1.463	0.495
Private prev		−0.131	−0.028	0.430	−0.140
Private invest		−0.054	1.073	2.576	0.910
R2	0.650	0.680	0.403	0.559	0.617
Fc	15.085	11.120	4.471	8.370	10.639

Source: prepared by the authors.  < 0.1,  < 0.05, and  < 0.01.