Variable

(1)

(2)

(3)

(3)

Time to Median Wealth

Time-Varying Covariates

IHS Student Loans

−0.03**

−0.03**

−0.02**

(0.00)

(0.00)

(0.00)

Male

0.12**

0.10*

(0.04)

(0.04)

Black

−0.48**

−0.35*

0.13+

(0.05)

(0.14)

(0.07)

Latino

−0.16**

−0.27+

0.09

(0.06)

(0.16)

(0.09)

IHS Baseline Net Worth

0.04

0.24**

(0.03)

(0.02)

Postgraduate Degree

−0.13*

(0.05)

Family Size

−0.07**

(0.02)

Single

0.07

(0.10)

Married

1.14**

−0.15*

(0.14)

(0.06)

Welfare Support

−0.85**

(0.18)

Professional Occup

-2.76**

1.30**

(0.84)

(0.35)

Sales/Admin Occup

−3.92**

1.69**

(1.10)

(0.43)

Serv/Oper/Farm/Military

−4.03**

1.68**

(1.15)

(0.45)

Urban

−0.04

(0.06)

North East

0.00

(0.06)

North Central

0.01

(0.06)

West

−0.11+

(0.06)

Observations

20,312

20,312

19,179

19,179