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Appendix

Appendix Table A1 – Material Well-being and Income Specifications
Original Specification Attempted Replication Six Income Indicators Three Income Indicators
(1) (2) (3) (4)
Couple -3.92 -3.93 -3.10 -3.11
(0.44) (0.47) (0.53) (0.53)
log(Savings / Investments) 0.57 0.56 0.50 0.51
(0.06) (0.05) (0.05) (0.05)
log(Acc’n costs) -1.07 -1.04 -0.95 -0.95
(0.12) (0.12) (0.12) (0.12)
No. financial stressors (past 12 months) -3.07 -3.07 -3.05 -3.03
(0.32) (0.29) (0.28) (0.28)
No. adverse econ Events (aged 50-59) -2.23 -2.01 -2.00 -2.00
(0.35) (0.31) (0.30) (0.30)
Couple * No. adverse events 1.46 1.01 0.93 0.92
(0.44) (0.40) (0.39) (0.39)
Age 0.19 0.18 0.21 0.20
(0.03) (0.03) (0.03) (0.03)
Maori -5.60 -5.23 -5.09 -5.07
(1.52) (1.42) (1.37) (1.37)
Pacific peoples -6.12 -5.80 -5.90 -5.88
(2.19) (1.89) (1.90) (1.90)
NZSEI score 0.03 0.05 0.04 0.04
(0.01) (0.01) (0.01) (0.01)
No NZSEI score 1.71 2.05 2.00 2.00
(0.68) (0.62) (0.62) (0.62)
Highest Qualifications 0.45 0.36 0.27 0.27
(0.19) (0.20) (0.20) (0.20)
Single * Auckland -2.20 -2.22 -2.06 -2.09
(0.68) (0.66) (0.66) (0.66)
R-squared 0.40 0.39 0.40 0.40
No. Observations 2,882 2,986 2,986 2,986

Notes: Estimated standard errors are in parentheses. All table entries are based on weighted calculations.

Appendix Table A2 – Material Well-being and Accommodation Costs Specifications
Table 3.2 Specification With True Acc Costs Spec 3.4, True Acc Costs 3 Acc-tenure Indicators Acc Cost Interactions Indicators & Interactions
(1) (2) (3) (4) (5) (6)
Couple -3.93 -3.49 -2.73 -2.95 -2.90 -2.91
(0.47) (0.47) (0.54) (0.54) (0.54) (0.54)
log(Income) 4.62 4.56 2.41 2.34 2.36 2.34
(0.39) (0.38) (0.81) (0.85) (0.84) (0.84)
log(Savings / Investments) 0.56 0.63 0.56 0.50 0.49 0.49
(0.05) (0.05) (0.05) (0.05) (0.05) (0.05)
No. financial stressors (past year) -3.07 -3.02 -2.98 -2.96 -2.95 -2.96
(0.29) (0.29) (0.29) (0.28) (0.28) (0.28)
No. adverse econ events (50-59) -2.01 -2.03 -2.02 -1.96 -1.96 -1.96
(0.31) (0.32) (0.31) (0.30) (0.30) (0.30)
Couple * No. adverse events 1.01 0.92 0.86 0.89 0.88 0.89
(0.40) (0.41) (0.40) (0.39) (0.39) (0.39)
Age 0.18 0.18 0.20 0.20 0.20 0.20
(0.03) (0.03) (0.03) (0.03) (0.03) (0.03)
Maori -5.23 -6.10 -5.79 -5.19 -5.03 -5.07
(1.42) (1.44) (1.38) (1.34) (1.34) (1.34)
Pacific peoples -5.80 -6.46 -6.51 -5.94 -5.79 -5.81
(1.89) (1.93) (1.94) (1.92) (1.91) (1.91)
NZSEI score 0.05 0.05 0.05 0.05 0.04 0.04
(0.01) (0.01) (0.01) (0.01) (0.01) (0.01)
No NZSEI score 2.05 2.22 2.16 2.06 2.02 2.02
(0.62) (0.62) (0.62) (0.62) (0.62) (0.62)
Highest Qualifications 0.36 0.40 0.30 0.28 0.29 0.29
(0.20) (0.20) (0.20) (0.20) (0.20) (0.20)
Single * Auckland -2.22 -2.39 -2.21 -2.15 -2.09 -2.12
(0.66) (0.67) (0.67) (0.65) (0.66) (0.65)
Fraction of Income from:
Earnings 4.22 5.32 5.36 5.41
(1.62) (1.69) (1.72) (1.71)
Capital 5.83 5.81 5.74 5.74
(1.62) (1.68) (1.67) (1.67)
Benefit allowances -9.14 -7.67 -6.91 -6.96
(3.76) (3.69) (3.65) (3.65)
R-squared 0.39 0.38 0.39 0.40 0.40 0.40

Notes: Estimated standard errors are in parentheses. The number of observations used in all regressions is 2,986. All table entries are based on weighted calculations.

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