Microsoft Word Ed Horwitz Post Dissertation Fina docx

 Other Variables 
The treatment variable is participation in a worksite comprehensive financial education 
program. Participants and the control group employees were identified on the survey booklet and 
coded as such.  
 
Demographic
 
information was collected to understand any difference that might exist 
between the participant and control groups. These variables were separated into three groups: 
demographic characteristics, familial characteristics, and household financial characteristics. The 
demographic characteristics included age, ethnicity, and education level, while the familial 
characteristics included marital status and gender. Lastly, household financial characteristics 
included income and net worth. For the purposes of this research, data on the three independent 
variable groups were gathered before program delivery only, since changes in these other 
variables were neither expected nor considered relevant in the post program survey. Given 
differences between the control and participant group, analyses are conducted to better isolate the 
effects of the financial education program.