1 Yes
2 No
1 Homosexual, gay or lesbian
2 Bisexual, pansexual or queer
3 Heterosexual or straight
4 Asexual
5 Some other description (please specify): qb09_other
NLBlk
Latinx
NLWHT
NLOth
NLMultiple
insured
uninsured
I don't know / skipped all questions
3 Dont know
1 Every month
2 Most months
3 Some months
4 Never - the balance is paid off every month
1 Have money left over
2 About break even
3 Be in debt
4 Dont know
1 A lot better off now
2 Slightly better off now
3 About the same now
4 Slightly worse off now
5 A lot worse off now
6 Dont know
1 Very difficult
2 Somewhat difficult
3 Neither difficult nor easy
4 Somewhat easy
5 Very easy
1 Very likely
2 Likely
3 Unlikely
1 Pilot
2 Main
1 Less than one year
2 Between 1 and 3 years
3 Between 4 and 10 years
4 More than 10 years
5 Dont know
1 I dont know my credit score
2 I know my credit score, but I dont know if its good or bad
3 Some other reason (please specify): qe005_other
1 My bank account or credit cards website
2 A credit bureau website (Experian, TransUnion, or Equifax)
3 A personal finance website or app (such as Credit Karma or Nerd Wallet)
4 Someone checked it for me
5 Some other place (please specify): qe006_other
1 Agree strongly
2 Agree somewhat
3 Neither agree nor disagree
4 Disagree somewhat
5 Disagree strongly
1 Entirely within my control
2 Mostly within my control
3 Partly within my control and partly outside my control
4 Mostly outside my control
5 Entirely outside my control
1 1
2 2
3 3 or more
1 Increased a lot
2 Increased a little
3 No change
4 Decreased a little
5 Decreased a lot
1 $0 - $5,000
2 $5,001 - $10,000
3 $10,001 - $15,000
4 $15,001 - $30,000
5 $30,001 or more
1 $0 - $5000
2 $5,001 - $15,000
3 $15,001 - $30,000
4 $30,001 - $75,000
5 $75,001 or more
1 $0 - $2,000
2 $2,001 - $15,000
4 $30,001 - $120,000
5 $120,000 or more
1 $0 - $50,000
2 $50,001 - $100,000
3 $100,001 - $150,000
4 $150,001 - $300,000
5 $300,001 or more
1 $0 - $3,000
2 $3,001 - $15,000
4 $30,001 - $60,000
5 $60,000 or more
1 $0 - $500
2 $501 - $1,000
3 $1,001 - $3,000
4 $3,001 - $7,000
5 $7,000 or more
1 $0 - $1,000
2 $1,001 - $3,000
3 $3,001 - $6,000
4 $6,001 - $12,000
5 $12,001 or more
2 $1,001 - $4,000
3 $4,001 - $8,000
4 $8,001 - $15,000
5 $15,001 or more
3 $3,001 - $7,000
4 $7,001 - $15,000
0 No
1 A plan through yourFLPartnerOR employer
2 A plan through a union or other professional association
3 A plan purchased through an insurer or insurance provider
4 Other, please specify: qe109_other
1 I have been the only contributor to the income in my household
2 Somebody else has been the only contributor to the income in my household
3 There has been more than one contributor to the income in my household
4 No household income in the last 12 months
1 Saved regularly
2 Saved whenever possible
3 Did not save
1 1 account
2 2 accounts
3 3 or more accounts
1 $0 - $300
2 $301 - $2,000
3 $2,001 - $8,000
4 $8,001 - $25,000
5 $25,001 or more
1 $0 - $100
2 $101 - $400
3 $401 - $1,000
4 $1,001 - 4,000
5 4,001 or more
1 $0 - $200
2 $201 - $1,500
3 $1,501 - $6,000
4 $6,001 - $25,000
2 $2,001 - $20,000
3 $20,001 - $60,000
4 $60,001 - $200,000
5 $200,001 or more
2 $3,001 - $20,000
2 $1,001 - $10,000
3 $10,001 - $50,000
4 $50,001 - $200,000
1 $0 - $1000
4 $50,001 - $100,000
5 $100,001 or more
1 I am an employee (I receive a W-2 at tax time)
2 I am an independent contractor, gig worker, freelancer, consultant, work odds jobs or have a side hustle (I receive a 1099 at tax time)
3 I work for a business that I own
1 Strongly agree
2 Somewhat agree
4 Somewhat disagree
5 Strongly disagree
1 Yes, I routinely work at least 35 hours or more each week at my job
2 No, I work fewer than 35 hours a week at my job
3 3
4 4
5 5
6 6 or more
1 No one else
2 1 to 9 employees
3 10 to 24 employees
4 25 to 99 employees
5 100 to 499 employees
6 500 to 999 employees
7 1000 or more employees
8 Dont know
1 Less than 25%
2 Between 26% and 50%
3 Between 51% and 75%
4 More than 75%
1 Social media (Reddit, Facebook, X)
2 General chatbots (ChatGPT, Bard)
3 Financial professionals (advisor, planner)
4 Personal finance websites (Credit Karma, Nerd Wallet)
5 My bank or other financial institution
6 A money management app not affiliated with a bank (Bettermint, Wally)
7 Automated investing or roboadvisor apps (SoFi, Wealthfront, Vanguard Go)
8 Other (please specify): qe401_other
9 None of these
8 Other
1 I have never heard of it
2 I dont have access to it
3 I dont trust the information
4 I dont know how to use it
5 I dont find the information useful
6 I didnt know chatbots could provide this information
7 Some other reason (please specify): qe402_other
8 None of these
7 Some other reason
6 Some other reason (please specify): qe403_other
7 None of these
6 Some other reason
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
1 U.S. National Territory
2 Areas high concentration Nat Ame
3 Los Angeles County
4 California
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 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
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 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 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
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 $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
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 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 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
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
4 Not applicable (we dont own a car)
3 Neither agree or disagree
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
1 Saving regularly
2 Saving whenever possible
3 Not currently saving
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 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 Receive a refund
2 Have to pay
3 Neither receive a refund nor have to pay