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Table 1.

Descriptive statistics: Patience and present bias.

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Fig 1.

The association of time preference and the probability of obtaining a tertiary degree.

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Fig 2.

The relationship of time preference with the probability of having no-maturity exam.

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Fig 3.

The association of time preference with being employed.

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Fig 4.

The association of time preference with income.

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Fig 5.

The association of time preference with wealth.

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Fig 6.

The association of time preference with banking decisions.

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Fig 7.

The association of time preference with saving decisions.

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Fig 8.

The association of time preferences with financial difficulties.

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Fig 9.

The association of time preference with having bad health.

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Fig 10.

The relationship between time preference and having good health.

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