Men who reported financial difficulties at the time of the survey were also more likely than others to rely on withdrawal (12.1% vs. 6.7%, pb.01). Similarly, those with the lowest and highest levels of education relied more on withdrawal: 9.1% with no diploma, 4.5% with a high school diploma, 5.8% with a bachelor's degree and 8.7% of those with a master's degree, p=.03).