Write a substantive interpretation of the following unstandardized regression equation based on a sample of 743 city residents, where Y is a 10-point scale measuring the number of professional sporting events attended per year. X1 is education, X2 is annual income (divided by $10,000), and X3 is a dummy variable for gender (1=female, 0 = male). The t ratios appear in parentheses.

Y = -8.73 - 0.59X1 + 1.46X2 - 5.40X3
(-3.76) (-1.42) (2.14) (-2.87)