1 High financial stress
2 Moderate financial stress
3 Some financial stress
4 No financial stress
1 Yes
2 No
1 Paid sick leave or vacation/personal leave
2 Paid parental leave
3 Student loan repayment
4 Health insurance
5 Disability insurance
6 Life insurance
7 Retirement plans (such as a 401k, 403(b), or Thrift Savings Plan (TSP))
8 Pension or cash balance plan
9 Subsidies to pay for childcare
10 Ability to work from home
11 Access to earned wages in advance of payday (Employers typically partner with a provider like Even, Payactiv, Dailypay, Branch, or Instant Financial to offer such a service.)
12 Access to an emergency savings account or employer contributions toward emergency savings
13 Other (please specify): qd123b_other
14 None of these
1 Reduced hours at work
2 Used paid time off (vacation or sick time)
3 Took an extended paid leave of absence from my employer
4 Took an extended unpaid leave of absence from my employer
5 Switched to a less demanding job
6 Switched to a job that allowed remote work
7 Quit a job and left the workforce
8 Took on additional hours to pay for the cost of caregiving
9 Took a job with higher pay to cover the cost of caregiving
10 Other
10 Other, please specify: qd137_other
0 No
3 Other, please specify: qd136_other
13 Other (please specify): qd123a_other
1 All the time
2 Very often
3 Sometimes
4 Rarely
5 Never
1 Excellent
2 Very good
3 Good
4 Fair
5 Poor
1 Myself
2 Another adult in my household age 18-65
3 Another adult in my household over the age of 65
4 A child under 18
3 Dont know
1 All the help I need
2 Most of the help I need
3 Very little of the help I need
4 No help at all
1 Completely trust
2 Mostly trust
3 Somewhat trust
4 Trust very little
5 Trust not at all
1 Price increases have had no impact
2 Price increases have had a minor impact
3 Price increases have had a moderate impact
4 Price increases have had a major impact
5 Dont know
1 Expenses have increased a lot
2 Expenses have increased a little
3 Expenses have not changed
4 Expenses have decreased a little
5 Expenses have decreased a lot
1 Next few months
2 Next year
3 Next few years
4 Next 5 to 10 years
5 Longer than 10 years
1 Saving for my own education or the education of someone in my household
2 Paying off student debt for myself or another person in my household
3 Purchasing a house
4 Paying off a mortgage on a house
5 Paying off other debt (credit card, car loan, etc.)
6 Saving for other large purchase (car, appliances, furnishings, wedding, or vacation  )
7 Starting or growing a business
8 Saving for an emergency
9 Saving for retirement
10 Building or safeguarding an inheritance to pass on to my loved ones
11 Just getting by - covering basic living expenses
12 Other (please specify): qd114_other
13 None of the above
1 I regularly set aside money to cover long-term expenses
2 I set aside money for long-term expenses when I can, but not regularly
3 I dont set aside money for long-term expenses
1 I regularly set aside money to cover short-term emergencies or expenses when they come up
2 I set aside money for short-term emergencies or expenses when I can, but not regularly
3 I dont set aside money to cover short-term expenses or emergencies
1 Less than one year
2 Between 1 and 3 years
3 Between 4 and 10 years
4 Longer than 10 years
1 Extremely difficult
2 Very difficult
3 Somewhat difficult
4 A little difficult
5 Not difficult at all
1 I make all the financial decisions myself
2 I make financial decisions with others in my household
3 Someone else in my household makes all the financial decisions
4 Dont know
1 Very easy
2 Somewhat easy
3 Neither easy nor difficult
4 Somewhat difficult
5 Very difficult
1 Accommodation and food services
2 Administrative support and waste management and remediation services
3 Agriculture, forestry, fishing, and hunting
4 Armed Forces
5 Arts, entertainment, and recreation
6 Construction
7 Educational services
8 Finance and insurance
9 Healthcare and social assistance
10 Information
11 Management of companies and enterprises
12 Manufacturing
13 Mining, quarrying, and oil and gas extraction
14 Professional, scientific, and technical services
15 Public administration
16 Real estate and rental and leasing
17 Retail
18 Telecom, information technology, broadcasting, or data services
19 Transportation and warehousing
20 Utilities
21 Wholesale trade
22 Other services, except public administration (please specify): qd17a_other
1 Now is a good time to buy major household items
2 Now is neither a good nor a bad time for people to buy major household items
3 Now is a bad time for people to buy major household items
1 Continuous good times
2 Neither continuously good times nor widespread bad times
3 Widespread bad times
1 Good times financially
2 Neither good nor bad times financially
3 Bad times financially
1 Better off now
2 About the same now
3 Worse off now
1 $0 to $2,500
2 $2,501 to $5,000
3 $5,001 to $10,000
4 $10,001 to $25,000
5 $25,001 to $50,000
6 More than $50,000
1 $0 to $5,000
2 $5,001 to $10,000
3 $10,001 to $25,000
4 $25,001 to $50,000
5 $50,001 to $75,000
6 $75,001 to $100,000
7 $100,001 to $150,000
8 $150,001 to $250,000
9 $250,001 to $500,000
10 More than $500,000
1 Have money left over
2 Be in debt
1 Always
2 Often
5 Never - the balance is paid off every month
1 Never
2 1 - 2 times
3 3 - 5 times
4 More than 5 times
1 A plan through yourFLPartnerOR employer
3 A plan through your parent or guardian
4 Medicare
5 Through an insurance company or a state or federal marketplace that you purchased yourself (including Affordable Care Act (ACA) plans)
7 TRICARE or other military health benefits
9 Other, please specify: qd134_other
10 Dont know
11 Medicaid
1 Working for pay
2 Not working for pay at all but looking for paid work
3 Not working for pay and NOT looking for paid work (e.g., retired, disabled, student, homemaker)
1 Old version
2 New version
1 Federal student loan only
2 Private student loan only
3 Both federal and private student loans
3 I dont know
1 Finding it difficult to get by
2 Just getting by
3 Doing okay
4 Living comfortably
1 Homosexual, gay or lesbian
2 Bisexual, pansexual or queer
3 Heterosexual or straight
4 Asexual
5 Some other description (please specify): qb09_other
1 Man
2 Woman
3 Non-binary, gender non-conforming, or genderqueer
4 Other (please specify): qb10_other
1 White
2 Hispanic, Latino, Spanish, or Latinx
3 Black or African American
4 Asian or Asian American
5 American Indian or Alaska Native
6 Middle Eastern or North African
7 Native Hawaiian or other Pacific Islander
8 Some other race or ethnicity (please specify): qb12_other
1 Afghanistan
2 land Islands
3 Albania
4 Algeria
5 American Samoa
6 Andorra
7 Angola
8 Anguilla
9 Antarctica
10 Antigua And Barbuda
11 Argentina
12 Armenia
13 Aruba
14 Australia
15 Austria
16 Azerbaijan
17 Bahamas
18 Bahrain
19 Bangladesh
20 Barbados
21 Belarus
22 Belgium
23 Belize
24 Benin
25 Bermuda
26 Bhutan
27 Bolivia
28 Bosnia And Herzegovina
29 Botswana
30 Bouvet Island
31 Brazil
32 British Indian Ocean Territory
33 Brunei Darussalam
34 Bulgaria
35 Burkina Faso
36 Burundi
37 Cambodia
38 Cameroon
39 Canada
40 Cape Verde
41 Cayman Islands
42 Central African Republic
43 Chad
44 Chile
45 China
46 Christmas Island
47 Cocos (Keeling) Islands
48 Colombia
49 Comoros
50 Congo
51 Congo, The Democratic Republic Of The
52 Cook Islands
53 Costa Rica
54 Cote Divoire
55 Croatia
56 Cuba
57 Cyprus
58 Czech Republic
59 Denmark
60 Djibouti
61 Dominica
62 Dominican Republic
63 Ecuador
64 Egypt
65 El Salvador
66 Equatorial Guinea
67 Eritrea
68 Estonia
69 Ethiopia
70 Falkland Islands (Malvinas)
71 Faroe Islands
72 Fiji
73 Finland
74 France
75 French Guiana
76 French Polynesia
77 French Southern Territories
78 Gabon
79 Gambia
80 Georgia
81 Germany
82 Ghana
83 Gibraltar
84 Greece
85 Greenland
86 Grenada
87 Guadeloupe
88 Guam
89 Guatemala
90 Guernsey
91 Guinea
92 Guinea-bissau
93 Guyana
94 Haiti
95 Heard Island And Mcdonald Islands
96 Holy See (Vatican City State)
97 Honduras
98 Hong Kong
99 Hungary
100 Iceland
101 India
102 Indonesia
103 Iran, Islamic Republic Of
104 Iraq
105 Ireland
106 Isle Of Man
107 Israel
108 Italy
109 Jamaica
110 Japan
111 Jersey
112 Jordan
113 Kazakhstan
114 Kenya
115 Kiribati
116 Korea, Democratic Peoples Republic Of
117 Korea, Republic Of
118 Kuwait
119 Kyrgyzstan
120 Lao Peoples Democratic Republic (Laos)
121 Latvia
122 Lebanon
123 Lesotho
124 Liberia
125 Libyan Arab Jamahiriya
126 Liechtenstein
127 Lithuania
128 Luxembourg
129 Macao
130 Macedonia, The Former Yugoslav Republic Of
131 Madagascar
132 Malawi
133 Malaysia
134 Maldives
135 Mali
136 Malta
137 Marshall Islands
138 Martinique
139 Mauritania
140 Mauritius
141 Mayotte
142 Mexico
143 Micronesia, Federated States Of
144 Moldova, Republic Of
145 Monaco
146 Mongolia
147 Montenegro
148 Montserrat
149 Morocco
150 Mozambique
151 Myanmar
152 Namibia
153 Nauru
154 Nepal
155 Netherlands
156 Netherlands Antilles
157 New Caledonia
158 New Zealand
159 Nicaragua
160 Niger
161 Nigeria
162 Niue
163 Norfolk Island
164 Northern Mariana Islands
165 Norway
166 Oman
167 Pakistan
168 Palau
169 Palestinian Territory, Occupied
170 Panama
171 Papua New Guinea
172 Paraguay
173 Peru
174 Philippines
175 Pitcairn
176 Poland
177 Portugal
178 Puerto Rico
179 Qatar
180 Reunion
181 Romania
182 Russian Federation
183 Rwanda
184 Saint Helena
185 Saint Kitts And Nevis
186 Saint Lucia
187 Saint Pierre And Miquelon
188 Saint Vincent And The Grenadines
189 Samoa
190 San Marino
191 Sao Tome And Principe
192 Saudi Arabia
193 Senegal
194 Serbia
195 Seychelles
196 Sierra Leone
197 Singapore
198 Slovakia
199 Slovenia
200 Solomon Islands
201 Somalia
202 South Africa
203 South Georgia And The South Sandwich Islands
204 Spain
205 Sri Lanka
206 Sudan
207 Suriname
208 Svalbard And Jan Mayen
209 Swaziland
210 Sweden
211 Switzerland
212 Syrian Arab Republic
213 Taiwan, Republic Of China
214 Tajikistan
215 Tanzania, United Republic Of
216 Thailand
217 Timor-leste
218 Togo
219 Tokelau
220 Tonga
221 Trinidad And Tobago
222 Tunisia
223 Turkey
224 Turkmenistan
225 Turks And Caicos Islands
226 Tuvalu
227 Uganda
228 Ukraine
229 United Arab Emirates
230 United Kingdom
231 United States
232 United States Minor Outlying Islands
233 Uruguay
234 Uzbekistan
235 Vanuatu
236 Venezuela
237 Viet Nam
238 Virgin Islands, British
239 Virgin Islands, U.S.
240 Wallis And Futuna
241 Western Sahara
242 Yemen
243 Zambia
244 Zimbabwe
300 Other
1 Less than $5,000
2 5,000 to 7,499
3 7,500 to 9,999
4 10,000 to 12,499
5 12,500 to 14,999
6 15,000 to 19,999
7 20,000 to 24,999
8 25,000 to 29,999
9 30,000 to 34,999
10 35,000 to 39,999
11 40,000 to 49,999
12 50,000 to 59,999
13 60,000 to 74,999
14 75,000 to 99,999
15 100,000 to 149,999
16 150,000 or more
1 Extremely satisfied
2 Very satisfied
3 Somewhat satisfied
4 Not very satisfied
5 Not at all satisfied
6 Dont know
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
1 High stress
2 Moderate stress
3 Some stress
4 No stress
1 Was roughly the same each month
2 Occasionally varied from month to month
3 Varied quite often from month to month
1 Spending was much less than income
2 Spending was a little less than income
3 Spending was about equal to income
4 Spending was a little more than income
5 Spending was much more than income
1 Pay all of our bills on time
2 Pay nearly all of our bills on time
3 Pay most of our bills on time
4 Pay  some of our bills on time
5 Pay very few of our bills on time
1 6 months or more
2 3-5 months
3 1-2 months
4 1-3 weeks
5 Less than 1 week
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
1 Have a manageable amount of debt
2 Have a bit more debt than is manageable
3 Have far more debt than is manageable
4 Do not have any debt
1 Own
2 Rent
3 Live rent free
4 Other, please specify: q105_other
4 Not applicable (we dont own a car)
1 Agree strongly
2 Agree somewhat
3 Neither agree or disagree
4 Disagree somewhat
5 Disagree strongly
1 Put it on my credit card and pay it off in full at the next statement
2 Put it on my credit card and pay it off over time
3 With the money currently in my checking/savings account or with cash
4 Using money from a bank loan or line of credit
5 By borrowing from a friend or family member
6 Using a payday loan, deposit advance, or overdraft
7 By selling something
8 I wouldnt be able to pay for the expense right now
9 Other, please specify: q043_other
0 None
1 Tablet (includes Internet)
0 Non-immigrant
1 First generation immigrant
2 Second generation immigrant
3 Third generation immigrant
4 Unknown immigrant status
1 English
2 Spanish
0 Added member
1 Primary respondent
1 Nationally Representative
2 Native Americans
3 LA County
4 California
1 ASDE 2014/01 Nat.Rep.
2 ASDE 2014/01 Native Am.
3 ASDE 2014/11 Native Am.
4 LA County 2015/05 List Sample
5 MSG 2015/07 Nat.Rep. Batch 1
6 MSG 2016/01 Nat.Rep. Batch 2
7 MSG 2016/01 Nat.Rep. Batch 3
8 MSG 2016/01 Nat.Rep. Batch 4
9 MSG 2016/02 Nat.Rep. Batch 5
10 MSG 2016/03 Nat.Rep. Batch 6
11 MSG 2016/04 Nat.Rep. Batch 7
12 MSG 2016/05 Nat.Rep. Batch 8
13 MSG 2016/08 LA County Batch 2
14 MSG 2017/03 LA County Batch 3
15 MSG 2017/11 California Batch 1
16 MSG 2018/02 California Batch 2
0 Female
1 Male
1 18-29
2 30-39
3 40-49
4 50-59
5 60-69
6 70-79
7 80-89
8 90+
1 Alabama
2 Alaska
4 Arizona
5 Arkansas
6 California
8 Colorado
9 Connecticut
10 Delaware
11 District of Columbia
12 Florida
13 Georgia
15 Hawaii
16 Idaho
17 Illinois
18 Indiana
19 Iowa
20 Kansas
21 Kentucky
22 Louisiana
23 Maine
24 Maryland
25 Massachusetts
26 Michigan
27 Minnesota
28 Mississippi
29 Missouri
30 Montana
31 Nebraska
32 Nevada
33 New Hampshire
34 New Jersey
35 New Mexico
36 New York
37 North Carolina
38 North Dakota
39 Ohio
40 Oklahoma
41 Oregon
42 Pennsylvania
44 Rhode Island
45 South Carolina
46 South Dakota
47 Tennessee
48 Texas
49 Utah
50 Vermont
51 Virginia
53 Washington
54 West Virginia
55 Wisconsin
56 Wyoming
60 American Samoa
66 Guam
69 Northern Mariana Islands
72 Puerto Rico
74 U.S. Minor Outlying Islands
78 U.S. Virgin Islands
1 Married (spouse lives with me)
2 Married (spouse lives elsewhere)
3 Separated
4 Divorced
5 Widowed
6 Never married
1 Less than 1st grade
2 Up to 4th grade
3 5th or 6th grade
4 7th or 8th grade
5 9th grade
6 10th grade
7 11th grade
8 12th grade-no diploma
9 High school graduate or GED
10 Some college-no degree
11 Assoc. college degree-occ/voc prog
12 Assoc. college degree-academic prog
13 Bachelor's degree
14 Master's degree
15 Professional school degree
16 Doctorate degree
1 Mexican
Puerto Rican
3 Cuban
4 Central/South American
5 Other Spanish
1 White Only
2 Black Only
3 American Indian or Alaska Native Only
4 Asian Only
5 Hawaiian/Pacific Islander Only
6 Mixed
1 Currently working
2 On sick or other leave
3 Unemployed - on layoff
4 Unemployed - looking
5 Retired
6 Disabled
7 Other Labor Force Status
8 Mixed
1 Government
2 Private (for profit)
3 Private (no profit)
4 Self-employed
1 Full-time
2 Part-time
6 No insurance
Healthy
Coping
Vulnerable
0-9
10-19
20-29
30-39
40-49
50-59
60-69
70-79
80-89
90-100
Spending is less than income
Spending is equal to income
Spending is more than income
Pay all bills on time
Can not pay all bills on time
Have enough savings to cover at leasts three months of living expenses
Does not have savings to cover at leasts three months of living expenses
Are confident they are on track to meet long-term financial goals
Not confident they are on track to meet long-term financial goals
Have a manageable amount of debt
More debt than is manageable
Do not have any debt
Have a prime credit score
Have non-prime credit score
Do not know credit
Are confident their insurance policies will cover them in an emergency
Are not confident their insurance policies will cover them in an emergency
Do not have insurance
Agree with statement: My household plans ahead financially.
Do not agree with statement: My household plans ahead financially.
1 No one else
2 1 to 19 employees
3 20 to 49 employees
4 50 to 99 employees
5 100 to 499 employees
6 500 or more employees
7 Dont know
8 1 to 4 employees
1 Receive a refund
2 Have to pay
3 Neither receive a refund nor have to pay