Table 5: Marginal effects on the probability of working full-time part-time and choosing to retire, sample of full-time workers 2001 and 2005, by earnings and gender (percentage points difference in estimated probability).

Low earnersMiddle earnersHigh earners
MaleFemaleMaleFemaleMaleFemale

Earnings ($10,000 increase)Full-time3.31***7.43***5.34***6.86***1.02***2.93***
Part-time−2.62***−6.46***−4.91***−6.64***−0.92***−2.93***
Retirement−0.69***−0.97***−0.43***−0.22***−0.10***0

Lifetime earnings ($10,000 increase)Full-time1.240.78−0.480.520.03−0.83
Part-time−0.98−0.680.44−0.500.030.83
Retirement−0.26−0.100.04−0.0200

Wealth ($10,000 increase)Full-time−0.15***−0.05−0.030.03−0.10***−0.02
Part-time0.12***0.050.03−0.030.09***0.02
Retirement0.03***00.000.000.01***0

One-year accrual ($10,000 increase)Full-time0.72*0.500.05−0.03−0.04−0.02
Part-time−0.57*−0.43−0.050.030.030.02
Retirement−0.15*−0.07000.010.00

Health shockFull-time−1.82−2.74−5.27**−9.98**−1.60−9.53
Part-time1.432.364.75**9.50**1.459.47
Retirement0.390.380.52**0.48**0.150.06

ImmigrantFull-time6.59*8.69**1.161.87−0.712.23
Part-time−5.33*−7.69**−1.07−1.810.65−2.22
Retirement−1.26*−0.99**−0.09−0.070.060.01

Working spouseFull-time9.32***1.923.45***0.272.56***0.00
Part-time−7.31***−1.67−3.16***−0.26−2.30***0.00
Retirement−2.01***−0.25−0.29***−0.01−0.26***0.00

Dependent childrenFull-time2.85−0.312.68*0.12*1.01***2.31***
Part-time−2.270.27−2.47*−0.11*−0.91***−2.30***
Retirement−0.580.04−0.21*−0.01*−0.10***−0.01***

Other control variables (education level and year dummies) are included in ordered probit regressions. Marginal effects are significant at 99% (***), 95% (**), and 90% (*), not significant otherwise.