Number of household UAS members besides the respondent
Recruiting Batch
Primary respondent or not
Hardware provided
Survey language
Survey start date
Survey start year
Survey start month
Survey start day
Survey start hour
Survey start minute
Survey start second
Survey end date
Survey end year
Survey end month
Survey end day
Survey end hour
Survey end minute
Survey end second
Gender - Male
Year of birth
Age
Age range for missing age
US citizen
Born in the US
State born - FIPS coding
Country born
Unlisted country born
Immigrant status
State residence - FIPS coding
Marital status
Living with partner
Highest level of education
Spanish/Hispanic/Latino
Spanish/Hispanic/Latino group
White
Black
American Indian or Alaska Native
Asian
Hawaiian/Pacific Islander
Race
Currently working
On sick or other leave
Unemployed - on layoff
Unemployed - looking
Retired
Disabled
Other Labor Force Status
Labor Status
Employment type
Work full-time or part-time
Hours of work per week
Household income
Whether any other HH member
Number of household members besides R
satisfaction current financial situation
rate credit score
stress because of finances
income varied month per month
how compares total income to total spending
how paid bills over last 12 months
how long could cover expenses
how confident doing what needed to meet long term goals
debt payments manageable
car insurance on all vehicles
covered by homeowners insurance
covered by renters insurance
have life insurance
household plans ahead financially
current age asked if not known
Put it on my credit card and pay it off in full at the next statement
Put it on my credit card and pay it off over time
With the money currently in my checking/savings account or with cash
Using money from a bank loan or line of credit
By borrowing from a friend or family member
Using a payday loan, deposit advance, or overdraft
By selling something
I wouldnt be able to pay for the expense right now
Other, please specify: q043_other
how pay emergency expense
Employer-provided retirement account (e.g. 401k, 403(b) or Thrift Savings Plan (
Retirement account (IRA, Keogh, SEP, or any other retirement fund) frequency
Savings in cash frequency
Other save frequency
Cashed a check
Sent money to friends or family living outside the US
Borrowed a payday loan or received a payday advance
Used a pawn shop loan
Used rent-to-own services
Took out a tax refund anticipation loan
confidence in insurance coverage
Latinx/Race combined, excluding Asian (calculated)
LIFE EVENT--MOVED TO NEW HOME, APARTMENT, RESIDENCE
Cash management, money market, health savings account (HSA), and/or certificate
Hispanic, Latino, Spanish, or Latinx
Black or African American
Asian or Asian American
Middle Eastern or North African
Native Hawaiian or other Pacific Islander
Some other race or ethnicity (please specify): qb12_other
Man
Woman
Non-binary, gender non-conforming, or genderqueer
Other (please specify): qb10_other
gender identity
how well managing financially
LIFE EVENT--MAJOR HEALTH CHANGE OR PHYSICAL ABILITY
Brokerage account, annuity, profit sharing/stock plan, mutual fund, and/or 529 p
ever taken out federal or private student loan
checked credit score past 12 months
overall health
Checking or savings account
have debt--auto loans
have debt--student loans
have debt--small business loans
have debt--mortgages
have debt--medical
have debt--credit cards
have health insurance
Medicaid or Childrens Health Insurance Program (CHIP)
Programs that provide support based on a disability status or health condition
current employment status
ever worried whether food would run out before got money to buy more.
LIFE EVENT--DEATH OF SOMEONE IN THE HOUSEHOLD
LIFE EVENT--PURCHASED A HOME
Other assets
have debt--home equity line of credit with a balance
have debt--loan from a retirement plan
main source of health insurance
Supplemental Nutrition Assistance Program (SNAP or food stamps)
Other public benefit
household how much money left after selling all
household how much debt after selling all
time to buy major household items
personally have student loan
student loan on an income-driven repayment (IDR) plan
live parents to receive financial help
live parents To help them financially
live parents to receive help with childcare, medical care, or elder care
live parents to give help with childcare or medical care
live parents prefer to live with others
live parents other
live adult children to receive financial help
live adult children To help them financially
live adult children to receive help with childcare, medical care
live adult children to give help with childcare or medical care
live adult children prefer to live with others
live adult children other
part play in making financial decisions for household
LIFE EVENT--BEGAN PAYING EDUCATIONAL EXPENSES
LIFE EVENT--UNEXPECTED MAJOR REPAIR
LIFE EVENT--UNEXPECTED OUT OF POCKET MEDICAL EXPENSE
LIFE EVENT--HAD FINES, FEES OR COURT EXPENSES
Bonds or certificates of deposits (CDs)
Educational savings plans (such as 529/Coverdell)
Cryptocurrencies or other digital assets
have general purpose credit card
have store credit card
Saving for my own education or the education of someone in my household
Paying off student debt for myself or another person in my household
Purchasing a house
Paying off a mortgage on a house
Paying off other debt (credit card, car loan, etc.)
Saving for other large purchase (car, appliances, furnishings, wedding, or vacat
Starting or growing a business
Saving for an emergency
Saving for retirement
Building or safeguarding an inheritance to pass on to my loved ones
Just getting by - covering basic living expenses
Other (please specify): qd114_other
None of the above
most important financial goals
time period for planning or budgeting
Temporary Assistance for Needy Families (TANF)
Women, Infants and Children (WIC)
Section 8 or other housing programs
you or anyone in household receive any federal tax credits for working or suppor
you or anyone in household receiving income from social security
how household expenses changed
Purchased a money order or cashiers check at a location that was not a bank or c
did not get healthcare needed because couldnt afford it
stopped taking a medication or took less than directed due to the costs
currently have more than one job
personally trust financial institutions such as banks or credit unions
how much financial help expect from family
how much financial help expect from friends
already filed taxes for 2022
expectation taxes for 2022
you or anyone in household deaf or anyone have serious difficulty hearing
Myself
Another adult in my household age 18-65
Another adult in my household over the age of 65
A child under 18
who deaf or anyone have serious difficulty hearing
you or anyone in household blind or does anyone have serious difficulty seeing e
who blind or does anyone have serious difficulty seeing even when wearing glasse
you or anyone in household have serious difficulty concentrating, remembering, o
who has serious difficulty concentrating, remembering, or making decisions
you or anyone in household have serious difficulty walking or climbing stairs
who has serious difficulty walking or climbing stairs
you or anyone in household have difficulty dressing or bathing
who has serious difficulty dressing or bathing
you or anyone in household have difficulty doing errands alone
who has serious difficulty doing errands alone
mental health
how frequently mix personal finances with business finances
order benefits have access to through employer
Sample frame of recruitment batches
Employer-provided retirement account, or pension (such as a 401k, 403(b) or Thri
Individual retirement account not provided by an employer (such as an IRA, Keogh
own where you live
LIFE EVENT--DIVORCE OR SEPARATION
LIFE EVENT--BECAME PRIMARY CAREGIVER UNDER AGE OF 18
Savings in cash not held in an account
Other non-retirement investment accounts that allow you to invest in the stock m
have debt--other debts
HOW OFTEN CARRY A CREDIT CARD BALANCE
household have money left after selling all
how doing financially compared to a year ago
how doing financially one year from now
how difficult afford monthly student loan payments
how likely natural disaster impact in next 12 months
considered moving away from natural disasters
Spouse, partner, or significant other lives in household
Adult children or step-children (over 18) who are NOT currently enrolled in scho
Parent(s) or parent(s)-in-law live in household
Children or step-children (under 18)
Other relatives
have credit score
survey version
LIFE EVENT--BECAME PRIMARY CAREGIVER 18 YEARS OR OLDER
LIFE EVENT--IDENTITY STOLEN
LIFE EVENT--TOLD TO BOIL WATER
LIFE EVENT--LOST POWER, WATER OR HEAT
LIFE EVENT--EXPERIENCED NATURAL DISASTER OR SEVERE WEATHER EVENT
pay all bills if $3500 emergency expense
how long have non-retirement investment account
best description credit score situation
where last checked credit score
I generally know what makes someones credit score go up or down
control credit score
number of general purpose and store credit cards
how total outstanding balance on credit cards changed
currently owe in auto loans
currently owe in student loans
currently owe in small business loans
currently owe on mortgage(s)
currently owe in home equity line(s) of credit
currently owe in past-due medical bills
currently owe in outstanding credit card balances carried over from previous mon
currently owe in loans from a retirement plan
currently owe in other types of debt or loans not listed
have debt--personal loans
experience any changes to homeowners insurance policy
Temporary loss of coverage
Reduction in coverage
Increase in the cost of coverage
A plan through yourFLPartnerOR employer
A plan through a union or other professional association
A plan purchased through an insurer or insurance provider
Other, please specify: qe109_other
Dont know
sources of life insurance coverage
Collision insurance
Comprehensive insurance
have natural disaster insurance
rent where you live
have a will
have household expenses changed
Unemployment insurance benefits
best description income in household
Took out an auto title loan
ever skipped paying rent or mortgage or paid late because could not afford it
ever skipped paying a utility bill or paid it late because you did not have enou
ever had to go without dental care because couldnt afford it
tried switching payment plan to SAVE plan
Checking or savings save frequency
Educational savings plans (such as 529 or Coverdell) save frequency
Cryptocurrencies or other digital assets  save frequency
number of checking and savings accounts
current value checking and savings accounts
current value savings in cash not held in an account
current value bonds or certificates of deposits (CDs)
current value individual retirement account not provided by an employer
current value other non-retirement investment accounts that allow you to invest
current value cryptocurrencies or other digital assets
current value educational savings plans
current value other financial assets or accounts
best description current job
would quit current job if offered a similar paying job where permanent employee
job full-time
number of jobs
best description primary job
primary job full-time
size of organization
size of organization primary job
best description secondary job
secondary job full-time
size of organization secondary job
owns business indicator
anyone in household own business
percentage household total income comes from own businesses
have access to benefit plan lets employees own part of business
member of worker cooperative
employee or gig worker
member of labor union
anyone in household U.S. veteran
anyone in household active duty member of the armed services or a member of the
Social media (Reddit, Facebook, X)
General chatbots (ChatGPT, Bard)
Financial professionals (advisor, planner)
Personal finance websites (Credit Karma, Nerd Wallet)
My bank or other financial institution
A money management app not affiliated with a bank (Bettermint, Wally)
Automated investing or roboadvisor apps (SoFi, Wealthfront, Vanguard Go)
Other (please specify): qe401_other
None of these
sources used get information about personal finances
order sources used get information about personal finances
I have never heard of it
I dont have access to it
I dont trust the information
I dont know how to use it
I dont find the information useful
I didnt know chatbots could provide this information
Some other reason (please specify): qe402_other
why not used chatbots
order why not used chatbots
Some other reason (please specify): qe403_other
why not used automated investing or roboadvisor apps
order why not used automated investing or roboadvisor apps
order trusted sources
Do not indicate that anyone in household has insurance (calculated)
RECODE of q036 (how compares total income to total spending)
RECODE of q039 (how paid bills over last 12 months)
RECODE of q044 (how long could cover expenses)
RECODE of q045 (how confident doing what needed to meet long term goals)
RECODE of q077 (debt payments manageable)
RECODE of q004 (rate credit score)
RECODE of q112 (confidence in insurance coverage)
Version of q112 that includes uninsured people (see script for details)
RECODE of q113 (household plans ahead financially)
Financial Health tier (calculated)
Spend financial health tiers (calculated)
Save financial health tiers (calculated)
Borrow financial health tiers (calculated)
Plan financial health tiers (calculated)
Fin health score deciles (calculated)
Paid sick leave or vacation/personal leave
Paid parental leave
Student loan repayment
Health insurance
Disability insurance
Life insurance
Retirement plans (401k, 403(b), or TSP)
Pension or cash balance plan
Subsidies to pay for childcare
Ability to work from home
Access to earned wages in advance of payday
Access or contributions to emergency savings account
Other (please specify)
Relative Post-Stratification Weight
Sexual orientation
identify as transgender, non-binary, two-spirit, agender, genderqueer, or gender