Accessible version of figures
Figure 1: Presence of Checking, Savings, and Money Market Accounts in the SHED and CPS surveys
Note: Solid vertical line represents the 95 percent confidence interval on responses.
Source: Author's calculations using the Federal Reserve Board’s Survey of Household Economics and Decisionmaking and the U.S. Census Bureau's July Current Population Survey accessed from the National Bureau of Economic Research, http://www.nber.org/cps
| Point estimates |
SHED (2014) |
CPS (July 2013) |
| under age 25 |
10.04 |
9.90 |
| 25 to 34 |
11.50 |
10.69 |
| 35 to 44 |
8.36 |
7.81 |
| 45 to 54 |
6.90 |
6.19 |
| 55 to 64 |
6.45 |
4.73 |
| 65 or older |
3.15 |
3.07 |
| Overall |
7.59 |
6.91 |
| 95% confidence interval lower bound |
SHED (2014) |
CPS (July 2013) |
| under age 25 |
7.32 |
9.16 |
| 25 to 34 |
9.20 |
10.07 |
| 35 to 44 |
6.27 |
7.28 |
| 45 to 54 |
5.26 |
5.73 |
| 55 to 64 |
4.84 |
4.32 |
| 65 or older |
2.02 |
2.75 |
| Overall |
6.75 |
6.70 |
| 95% confidence interval upper bound |
SHED (2014) |
CPS (July 2013) |
| under age 25 |
13.62 |
10.69 |
| 25 to 34 |
14.29 |
11.35 |
| 35 to 44 |
11.07 |
8.38 |
| 45 to 54 |
9.02 |
6.67 |
| 55 to 64 |
8.53 |
5.18 |
| 65 or older |
4.88 |
3.42 |
| Overall |
8.53 |
7.19 |
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Figure 2: Health insurance coverage in the SHED, ACS, and CPS surveys
Note: Solid vertical line represents the 95 percent confidence interval on responses.
*CPS responses are for whether the individual has had health insurance in the past year.
Source: Author's calculations using the Federal Reserve Board's Survey of Household Economics and Decisionmaking, the U.S. Census Bureau's American Community Survey, and the U.S. Census Bureau's March Current Population Survey accessed from the National Bureau of Economic Research, http://www.nber.org/cps
| Point estimates |
SHED (2013) |
SHED (2014) |
ACS (2013) |
CPS* (March 2014) |
| under age 25 |
75.77 |
81.49 |
76.1 |
79.34 |
| 25 to 34 |
76.72 |
81.67 |
73.2 |
76.29 |
| 35 to 44 |
83.1 |
88.78 |
78.2 |
81.01 |
| 45 to 54 |
86.08 |
91.26 |
82.3 |
84.29 |
| 55 to 64 |
84.3 |
90.81 |
86.5 |
86.76 |
| 65 or older |
99.69 |
99.06 |
99 |
98.44 |
| Overall |
84.81 |
89.29 |
82.9 |
84.74 |
| 95% confidence interval lower bound |
SHED (2013) |
SHED (2014) |
ACS (2013) |
CPS* (March 2014) |
| under age 25 |
69.54 |
76.43 |
75.9 |
78.45 |
| 25 to 34 |
72.25 |
78.22 |
73 |
75.53 |
| 35 to 44 |
79.14 |
85.84 |
78.1 |
80.3 |
| 45 to 54 |
82.88 |
88.91 |
82.1 |
83.65 |
| 55 to 64 |
81.01 |
88.68 |
86.4 |
86.12 |
| 65 or older |
98.53 |
98.09 |
98.9 |
98.22 |
| Overall |
83.31 |
88.18 |
82.9 |
84.47 |
| 95% confidence interval upper bound |
SHED (2013) |
SHED (2014) |
ACS (2013) |
CPS* (March 2014) |
| under age 25 |
81.07 |
85.67 |
76.2 |
80.21 |
| 25 to 34 |
80.67 |
84.68 |
73.3 |
77.03 |
| 35 to 44 |
86.44 |
91.16 |
78.4 |
81.7 |
| 45 to 54 |
88.75 |
93.16 |
82.4 |
84.91 |
| 55 to 64 |
87.11 |
92.58 |
86.6 |
87.38 |
| 65 or older |
99.94 |
99.54 |
99 |
98.64 |
| Overall |
86.19 |
90.3 |
83 |
85.01 |
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Figure 3: Homeownership Rates in the SHED and ACS surveys
Note: Solid vertical line represents the 95 percent confidence interval on responses.
Source: Author's calculations using the Federal Reserve Board's Survey of Household Economics and Decisionmaking and the U.S. Census Bureau's American Community Survey
| Point estimates |
SHED (2014) |
ACS (2013) |
| under age 25 |
62.63 |
50.60 |
| 25 to 34 |
56.55 |
48.40 |
| 35 to 44 |
68.34 |
63.00 |
| 45 to 54 |
77.49 |
73.40 |
| 55 to 64 |
81.50 |
79.10 |
| 65 or older |
82.94 |
81.30 |
| Overall |
72.10 |
66.80 |
| 95% confidence interval lower bound |
SHED (2014) |
ACS (2013) |
| under age 25 |
56.90 |
50.40 |
| 25 to 34 |
52.50 |
48.20 |
| 35 to 44 |
64.30 |
62.80 |
| 45 to 54 |
74.07 |
73.20 |
| 55 to 64 |
78.79 |
79.00 |
| 65 or older |
80.35 |
81.20 |
| Overall |
70.64 |
66.80 |
| 95% confidence interval upper bound |
SHED (2014) |
ACS (2013) |
| under age 25 |
68.02 |
50.80 |
| 25 to 34 |
60.52 |
48.50 |
| 35 to 44 |
72.12 |
63.20 |
| 45 to 54 |
80.58 |
73.50 |
| 55 to 64 |
83.93 |
79.20 |
| 65 or older |
85.26 |
81.40 |
| Overall |
73.52 |
66.90 |
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Figure 4: Frequency of 401(k), 403(b), and Thrift Retirement Savings in the SHED and SIPP surveys
Note: Solid vertical line represents the 95 percent confidence interval on responses.
Source: Author's calculations using the Federal Reserve Board's Survey of Household Economics and Decisionmaking and the U.S. Census Bureau's Survey of Income and Program Participation accessed from the National Bureau of Economic Research, http://www.nber.org/data/survey-of-income-and-program-participation-sipp-data.html
| Point estimates |
SIPP (2013) |
SHED (2014) |
| under age 25 |
5.34 |
16.02 |
| 25 to 34 |
40.27 |
49.17 |
| 35 to 44 |
53.08 |
54.44 |
| 45 to 54 |
55.81 |
56.36 |
| 55 to 64 |
52.20 |
50.81 |
| 65 or older |
37.02 |
28.08 |
| Overall |
42.58 |
46.55 |
| 95% confidence interval lower bound |
SIPP (2013) |
SHED (2014) |
| under age 25 |
4.60 |
11.72 |
| 25 to 34 |
38.78 |
45.03 |
| 35 to 44 |
51.64 |
50.16 |
| 45 to 54 |
54.48 |
52.42 |
| 55 to 64 |
50.81 |
46.91 |
| 65 or older |
34.72 |
21.48 |
| Overall |
41.96 |
44.65 |
| 95% confidence interval upper bound |
SIPP (2013) |
SHED (2014) |
| under age 25 |
6.08 |
20.32 |
| 25 to 34 |
41.77 |
53.30 |
| 35 to 44 |
54.51 |
58.72 |
| 45 to 54 |
57.14 |
60.30 |
| 55 to 64 |
53.59 |
54.71 |
| 65 or older |
39.32 |
34.69 |
| Overall |
43.21 |
48.44 |
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Figure 5: Frequency of IRA Retirement Savings in the SHED and SIPP surveys
Note: Solid vertical line represents the 95 percent confidence interval on responses.
Source: Author's calculations using the Federal Reserve Board's Survey of Household Economics and Decisionmaking and the U.S. Census Bureau's Survey of Income and Program Participation accessed from the National Bureau of Economic Research, http://www.nber.org/data/survey-of-income-and-program-participation-sipp-data.html
| Point estimates |
SIPP (2013) |
SHED (2014) |
| under age 25 |
2.48 |
5.56 |
| 25 to 34 |
17.18 |
12.31 |
| 35 to 44 |
28.98 |
21.92 |
| 45 to 54 |
33.70 |
30.89 |
| 55 to 64 |
40.25 |
35.13 |
| 65 or older |
42.56 |
25.18 |
| Overall |
26.08 |
21.78 |
| 95% confidence interval lower bound |
SIPP (2013) |
SHED (2014) |
| under age 25 |
1.97 |
3.09 |
| 25 to 34 |
16.04 |
9.48 |
| 35 to 44 |
27.71 |
18.39 |
| 45 to 54 |
32.46 |
27.17 |
| 55 to 64 |
38.89 |
31.36 |
| 65 or older |
40.22 |
18.39 |
| Overall |
25.54 |
20.25 |
| 95% confidence interval upper bound |
SIPP (2013) |
SHED (2014) |
| under age 25 |
2.99 |
8.04 |
| 25 to 34 |
18.31 |
15.14 |
| 35 to 44 |
30.25 |
25.45 |
| 45 to 54 |
34.94 |
34.60 |
| 55 to 64 |
41.62 |
38.89 |
| 65 or older |
44.90 |
31.98 |
| Overall |
26.62 |
23.32 |
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