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learn$ave Project: Final ReportAppendix Flearn$ave impacts on savings, net worth, and education: Detailed resultsThis appendix presents the detailed results for theadjusted estimates of learn$ave impacts. As noted in thebody of the report and described in Appendix D, impactestimates — computed as the difference in outcomesbetween the outcomes of research groups — wereadjusted using regression to control for a few sociodemographicdifferences among research groups andto bring greater precision to the estimates. The impactof the matched saving credits is equal to the adjusteddifference in outcomes between the learn$ave-plus andcontrol groups; the impact of the financial managementtraining and enhanced case management services whendelivered with the saving impacts is equal to the adjusteddifference in outcomes between the learn$ave-plus andlearn$ave-only control groups; and the combined impactof the credits and services is the difference in outcomesbetween the learn$ave-plus and control groups.The table numbers in this appendix correspond to theoriginal table in the body of text. For example, Table F6.1is the detailed version of Table 6.1 in Chapter 6. Tablesbeginning with ‘6’ are those concerned with budgeting,saving, assets, debts, net worth and hardship impacts(Chapter 6). Those that start with ‘7’ are concernedwith education and training and small business impacts(Chapter 7).Table F.6.1 Impacts on Incidence of Budgeting and Financial Goal Setting, at 54 Months, All Participants – AdjustedOutcome Incidence,by Research GroupImpact of MatchedSaving CreditsImpact of Serviceswhen Offered withCredits ∑Combined Impactof Credits &Serviceslearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.% who had a budget 52.8 56.6 49.4 3.5 (2.7) 3.8 (2.4) 7.3*** (2.6)% who set financial goals 64.8 68.4 59.3 5.4** (2.6) 3.7 (2.3) 9.1*** (2.6)Source:Note:Calculations from 54-month survey data.Overall sample sizes for the control, learn$ave-only and learn$ave-plus groups are 568, 842 and 859, respectively for the 54-month survey.Sample sizes vary for individual measures because of missing values.Two-tailed tests were applied to impacts estimated by regression-adjusted differences in outcomes between research (program and control)groups.Statistical significance levels are indicated as * = 10 per cent; ** = 5 per cent; *** = 1 per cent.Rounding may cause slight discrepancies in sums and differences.∑The figures in this column show the extra impact of the financial management training and enhanced case management services whengiven to those eligible to receive matched credits. It does not represent the impact of those services alone for those not eligible to receive thematched saving credit; it represents the impact of the services when provided with the credits.Table F.6.3 Impacts on Self-Reported Saving in Year Prior to the 54 month Survey (Average and Percentage Points), All Participants – AdjustedAmount savedin past year ($)Saved in pastyear (%)Saved regularlyin past year (%)Source:Note:Outcome Average or Incidence,by Research GroupImpact of MatchedSaving CreditsImpact of Serviceswhen Offered withCredits ∑Combined Impact ofIncentive + Serviceslearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.3,222 3,333 3,270 -49 (300) 112 (267) 63 (299)63.8 62.3 57.3 6.5** (2.6) -1.5 (2.3) 5.0* (2.6)36.8 41.0 35.2 1.6 (2.6) 4.2* (2.3) 5.8** (2.6)Calculations from 54-month survey data.Overall sample sizes for the control, learn$ave-only and learn$ave-plus groups are 568, 842 and 859, respectively, for the 54-month survey,Sample sizes vary for individual measures because of missing values. Two-tailed tests were applied to impacts estimated by regressionadjusteddifferences in outcomes between research (program and control) groups. Statistical significance levels are indicated as * = 10 percent; ** = 5 per cent; *** = 1 per cent. Rounding may cause slight discrepancies in sums and differences.∑The figures in this column show the extra impact of the financial management training and enhanced case management services whengiven to those eligible to receive matched credits. It does not represent the impact of those services alone for those not eligible to receive thematched saving credit; it represents the impact of the services when provided with the credits.Social Research and Demonstration Corporation Appendix F | 139