Appendix A: Survey Questionnaire
Below is a reproduction of the survey instrument in its entirety. The bracketed text are programming instructions such as custom text that will appear differently based on previous responses. Questions designated with an [S] indicate that the respondent can only select a single response and those designated with an [M] allow multiple responses. Not all questions are shown to all respondents, and the skip patterns used to reach each question are listed as the "Asked of" line above each question. Questions designated as English language sample were not translated into Spanish for the supplemental Spanish language survey. The respondents only see the questions and response option; they do not see the program code. Question numbers are not always sequential in order to preserve continuity with question numbers from earlier surveys where possible. Questions are listed below in the order in which they are presented to respondents.
Introduction
Welcome
We want to learn more about your financial wellbeing and views on the economy. Your responses here will support research, analysis, and policymaking on consumer finances. A dataset with all the survey responses, but without your name or any other identifying information, will be released publicly on the Federal Reserve Board's website.
We appreciate your participation in this survey. For your completing this survey, you will receive the equivalent of $5 through the GfK rewards system.
This survey has been reviewed and is consistent with requirements from the Office of Management and Budget.
OMB Control Number: 7100-0374
Expiration Date: November 30, 2020.
[If "requirements" clicked above, display this text in a new tab or window]
The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to, a collection of information unless it displays a currently valid OMB control number. Public reporting burden for this information collection is estimated to average 0.4 hours, including the time to gather data in the required form and to review instructions and complete the information collection. Send comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden to: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0359), Washington, DC 20503.
Living Arrangements Section
Asked of: All respondents
[SHOW DISPLAY1 AND L0 ON THE SAME PAGE]
[DISPLAY1]
First, tell us a little about yourself
Asked of: All respondents
[GRID, S ACROSS]
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
L0. Do each of the following types of people currently live with you in your household?
DOWN
a. My spouse or partner
b. My child or children who are under age 18
c. My adult child or children who are age 18 or older
d. My parents
e. My extended family such as brothers, sisters or cousins
f. Roommate(s) who are not related to me
g. Other individuals (please specify): [text box]
ACROSS
1. Yes
0. No
Asked of: L0_c = 1
(Adult children in household)
[S]
L0A. Which of the following best describes the adult children (who are age 18 or older) who live with you?
1. All of the adult children living with me are currently enrolled in school
2. One or more of the adult children who lives with me is not currently enrolled in school
Asked of: (L0=d, e, f, or g) or (L0=c and L0A=2)
(Living with others besides spouse or dependent children)
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
L1. You indicated that you live with [IF L0_d=1, INSERT: your parents,] [IF L0_e=1, INSERT: extended family members,] [IF L0_F=1, INSERT: a roommate,] [IF L0A=2, INSERT: adult children who are not in school,] [IF L0 checked d, e, or f or L0A=2, INSERT:or] someone outside of your immediate family.
Are each of the following reasons why you live with these individuals?
DOWN
a. To save money
b. To provide financial assistance to those living with me
c. To care for sick, disabled, or elderly family member or friend
d. To receive assistance with child care
e. Companionship/prefer living with others
f. Other (please specify): [text box] ________________________________
ACROSS
1. Yes
0. No
General Well-Being Section
Asked of: All respondents
[S]
B2. Overall, which one of the following best describes how well you are managing financially these days:
4. Living comfortably
3. Doing okay
2. Just getting by
1. Finding it difficult to get by
Asked of: All respondents
[GRID, S ACROSS]
B0. How well do each of these statements describe you or your situation?
DOWN
a. Because of my money situation, I feel like I will never have the things I want in life
b. I am just getting by financially
c. I am concerned that the money I have or will save won't last
ACROSS
1. Completely
2. Very well
3. Somewhat
4. Very little
5. Not at all
Asked of: All respondents
[GRID, S ACROSS]
B1. How often do each of these statements apply to you?
DOWN
a. I have money left over at the end of the month
b. My finances control my life
ACROSS
1. Always
2. Often
3. Sometimes
4. Rarely
5. Never
Asked of: All respondents
[S]
B3. Compared to 12 months ago, would you say that you (and your family living with you) are better off, the same, or worse off financially?
5. Much better off
4. Somewhat better off
3. About the same
2. Somewhat worse off
1. Much worse off
Asked of: All respondents
[S]
B6. Think of your parents when they were your age. Would you say you (and your family living with you) are better, the same, or worse off financially than they were?
5. Much better off
4. Somewhat better off
3. About the same
2. Somewhat worse off
1. Much worse off
Asked of: English language sample
[TEXTBOX, 500 CHARACTERS]
[O]
B10. In a couple of words, please describe any life events or experiences (either positive or negative) in the past year that affected your family's finances? If none please click the "None" box.
[TEXTBOX, 500 CHARACTERS]
999 None [S]
Asked of: English language sample
[GRID, S ACROSS]
B7. How would you rate economic conditions today:
DOWN
a. in your community
b. in this country
ACROSS
4. Excellent
3. Good
2. Only fair
1. Poor
Employment Section
Asked of: All respondents
[SHOW DISPLAY2 AND D1 ON THE SAME PAGE]
[DISPLAY 2]
This section will ask some questions about your recent employment and in general how you spend your time.
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
D1. At any point in the past month, were you:
DOWN
a. Employed for someone else
b. Self-employed or working for yourself
c. Temporarily laid off from a job that you have returned to or expect to return to
d. Not employed
ACROSS
1. Yes
0. No
Asked of: Asked of: D1_d=1
(Not employed)
[S]
D1E. You reported that you were not employed for some period in the last month. During this time, were you looking for a job?
1. Yes
0. No
Asked of: Asked of: D1_d=1
(Not employed or had a period that did not have a job)
[S]
D1H. In the past month, were you ever not working due to a disability?
1. Yes
0. No
Asked of: All respondents
[S]
D1I. Do you consider yourself to be retired?
1. Yes
0. No
Asked of: D1_a=1 or D1_b=1
(Employed or self-employed)
[S]
D3. Think about your main job (the job from which you earned the most income in the past month). In this job, did you:
1. Work full-time for someone else [display if D1_a=1]
2. Work part-time for someone else [display if D1_a=1]
3. Work for yourself (self-employed) or as a sole-proprietor [display if D1_b=1]
4. Work as a partner in a partnership (e.g. partner in law firm, medical practice) [display if D1_b=1]
5. Work as a consultant/contractor [display if D1_a=1 or D1_b=1]
Asked of: D3=2
(Employed part-time for someone else)
[S]
D20. You indicated that you did not work full-time in this job. Do you want to work full-time?
1. Yes
0. No
-2. Don't know
Asked of: (D1_d=1 and D1H=0 and D1I=0) or D3=2
(Not working and not retired/disabled, or employed part-time)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
D21. Did each of the following contribute to you either not working for some period in the last month or working less than full-time?
DOWN
1. Business conditions or lack of hours needed by employer [Display if D3=2]
2. Could not find work or could only find part-time work
3. Child care
4. Other family or personal obligations
5. Health or medical limitations
6. Going to school
ACROSS
1. Yes
0. No
Asked of: D3 = 1, 2, or 5
(Employed for someone else or contractor in main job)
[S]
D30. Still thinking about your main job, do you normally start and end work around the same time each day that you work or does it vary from week to week?
1. Normally work the same hours
2. Schedule varies, primarily at my request
3. Schedule varies, primarily based on my employer's needs
Asked of: D30=3
(Schedule varies based on employer needs)
[S]
D31. Approximately how far in advance does your employer usually tell you the hours that you will need to work on any given day?
1. One day in advance or less (including on call)
2. 2 to 3 days in advance
3. 4 to 6 days in advance
4. 1 to 2 weeks in advance
5. 3 weeks in advance or longer
Asked of: D3 = 1, 2, or 5
(Employed for someone else or contractor in main job)
CREATE DOV_D32 [S]: RANDOMLY ASSIGN A VALUE OF 1 TO 3
DOV_D32=1, INSERT D32=a little
DOV_D32=2, INSERT D32=somewhat
DOV_D32=3, INSERT D32=a lot
Asked of: D3 = 1, 2, or 5 and English language sample
(Employed for someone else or contractor in main job)
[S]
D32. Suppose that you had to choose between two new jobs.
The first job would pay the same in total for the year as your current main job and the income would be the same each month.
The second job would pay you [INSERT: DOV_D32] more in total for the year but the income would vary from month to month.
Which would you prefer?
1. First job
2. Second job
Asked of: D3=1, 2, or 5 and English language sample
(Employed for someone else or contractor in main job)
[S]
D33. A temporary job lasts for a limited time or until the end of a project. Is your main job a temporary job?"
1. Yes
0. No
-2. Don't know
Asked of: D3 = 1, 2, or 5 and English language sample
(Employed for someone else or contractor in main job)
[Suppress default instructions, instead show: Please answer yes, no, or don't know to each option ]
[GRID, S ACROSS]
D40. Still thinking about your main job, does your employer offer you each of the following benefits (even if you do not personally use the benefit)?
DOWN
a. Paid sick leave
b. Paid vacation/personal leave
c. Maternity or paternity leave
d. Health insurance
e. Tuition assistance for education/training
f. Life insurance
g. Retirement benefits
h. Ability to work from home
ACROSS
1. Yes
0. No
-2. Don't know
Base D3=1, 2, or 5
(Employed for someone else or contractor in main job)
[S]
D42. How satisfied are you with the total salary or wages you earn from your main job?
1. Very satisfied
2. Somewhat satisfied
3. Neither satisfied nor dissatisfied
4. Somewhat dissatisfied
5. Very dissatisfied
Asked of: D3=1, 2, or 5 and English language sample
(Employed for someone else or contractor in main job)
[S]
D43. How satisfied are you with the benefits you currently receive from your main job?
1. Very satisfied
2. Somewhat satisfied
3. Neither satisfied nor dissatisfied
4. Somewhat dissatisfied
5. Very dissatisfied
Asked of: D1I = 0 or refused
(Not retired)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
D44. In the past 12 months, have you done each of the following:
DOWN
a. Asked for a raise or a promotion at work (display if D1_a=1)
b. Received a raise or a promotion at work (display if D1_a=1)
c. Applied for a new job
d. Started a new job
e. Voluntarily left a job
f. Gotten laid off or fired from a job
ACROSS
1. Yes
0. No
Asked of: D1I = 0 or refused and English language sample
(Not retired)
[S]
D45. Would you say your expectations about future job opportunities are:
1. Optimistic
2. Pessimistic
3. Not Sure
Asked of: D1_a=1 or D1_b=1
(Employed or self employed)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
D4. In addition to your main job, in the past month did you have any other paid jobs?
DOWN
a. I had another full-time job
b. I had another part-time job
ACROSS
1. Yes
0. No
Asked of: PPMARIT = 1 or 6
(Married or living with partner)
[S]
D5. Which oneof the following best describes your [IF PPMARIT=1, INSERT: spouse's / IF PPMARIT=6, INSERT: partner's ] current employment status?
1. Employed full-time
2. Employed part-time
3. Temporarily laid off
4. Not employed, but looking for a job
5. Not employed and not looking for a job
6. Homemaker
7. Student
8. Disabled and not working
9. Retired
Gig Economy/Informal Work Section
Asked of: All respondents
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
GE1. We are also interested in other activities that you may have done recently to earn money.
In the past month, have you been paid for each of the following occasional work activities or side jobs?
Please do not include activities that you only do as part of your main job
DOWN
a. Babysitting, child care services, dog walking, or house sitting
b. Disabled adult or elder care services
c. House cleaning, house painting, yard work, or other property maintenance work
d. Providing other personal services, such as running errands, helping people move, etc.
ACROSS
1. Yes
0. No
Asked of: All respondents
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
GE2. In the past month, have you been paid for each of the following online occasional work activities or side jobs?
Please do not include activities that you only do as part of your main job
DOWN
a. Completing paid online tasks, such as on Amazon Services, Mechanical Turk, Fiverr, Task Rabbit, or YouTube.
b. Renting out property online, such as your car, your place of residence, etc.
c. Selling goods on-line through eBay, Craigslist, or other websites
d. Driving using a ride-sharing app such as Uber or Lyft.
e. Other online paid activities (do not include taking GfK Surveys). Please specify: [text box]
ACROSS
1. Yes
0. No
Asked of: All respondents
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
GE3. In the past month, have you been paid for each of the following other occasional work activities or side jobs?
Please do not include activities that you only do as part of your main job
DOWN
a. Selling goods or services yourself at flea markets, garage sales, or other temporary physical locations
b. Selling goods at consignment shops or thrift stores
c. Any other paid activities that you have not yet mentioned (do not include taking GfK Surveys). Please specify: [text box]
ACROSS
1. Yes
0. No
Asked of: Any response in (GE1, GE2 or GE3 = yes) and English language sample
(Performed gig economy work)
[M]
GE10. In the past month, what are the reasons why you have engaged in occasional paid work activities or side jobs? Check all that apply
a. To earn money as a primary source of income
b. To earn extra money on top of pay from a current job, retirement, pension, disability, or other regular source of income
c. To earn extra money to help family members
d. To maintain existing job-related skills
e. To acquire new job-related skills
f. To network/meet people
g. Just for fun (as a hobby)
h. Other (please specify): [text box]
Asked of: At least one answer selected to GE10 and English language sample
If respondent selected more than 1 answer in GE10, insert answer options select in GE10 as answer options for GE11
If respondent only selected one answer option in GE10, auto punch that as the answer for GE11 and do not ask GE11
[S]
GE11. In the past month, what is the main reason why you have engaged in occasional paid work activities or side jobs?
1. To earn money as a primary source of income
2. To earn extra money on top of pay from a current job, retirement, pension, disability, or other regular source of income
3. To earn extra money to help family members
4. To maintain existing job-related skills
5. To acquire new job-related skills
6. To network/meet people
7. Just for fun (as a hobby)
8. [If text entered in GE10 then insert that as the answer option / if GE10_h=1 but no text inserted, then insert: Other ]
Asked of: Any response in (GE1, GE2 or GE3 = yes) and English language sample
(Performed gig economy work)
[Q]
GE20. Excluding GfK surveys, considering all occasional paid work activities or side jobs in which you participated in last month (those that are not part of your main paid job(s)):
1. How much time do you usually spend per month on occasional paid work activities or side jobs, other than your primary job?
_______________ hours per month [range: 0-720]
2. About how much of your monthly income do you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner ] usually get from occasional paid work activities or side jobs? For example, 10% of your income, or 60% of your income.
_________ % of overall income [range: 0-100]
Asked of: Any response in (GE1, GE2 or GE3 = yes) and English language sample
(Performed gig economy work)
[S]
GE21. Six months from now, do you expect to devote more, the same, or less time to occasional paid work activities or side jobs other than your main job compared to today?
1. More
2. Less
3. About the same
Asked of: Any response in (GE1, GE2 or GE3 = yes) and English language sample
(Performed gig economy work)
[S]
GE30. To what extent have occasional paid work activities or side jobs helped you make up for any effects of unemployment, loss of working hours, loss of benefits, or no raises last year?
1. Very much
2. Somewhat
3. Not at all
4. Does not apply
Asked of: Any response in (GE1, GE2 or GE3 = yes) and English language sample
(Performed gig economy work)
[S]
GE40. In the past 12 months, to what extent has the money earned from occasional paid work activities or side jobs been an important source of income for you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner ]?
1. Very much
2. Somewhat
3. Not at all
4. Does not apply
Asked of: Any response in (GE1, GE2 or GE3 = yes) and English language sample
(Performed gig economy work)
[S]
GE41. In the past 12 months, to what extent has the money earned from occasional paid work activities or side jobs been a regular source of income for you [ IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner]?
1. Very much
2. Somewhat
3. Not at all
4. Does not apply
Asked of: PPAGE<=30 and English language sample
(Young adults)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
GE50. In the past month, did you do each of the following types of unpaid work for someone else?
DOWN
a. Apprenticeship or internship
b. Volunteer work
c. Bartering (Work done in exchange for an item or service of similar value)
d. Other (please specify): [text box]
ACROSS
1. Yes
0. No
Young Workers Section
Asked of: D3=1, 2, or 5 and PPAGE<=30 and English language sample
(Young adults employed for someone else or contractor in main job)
[S]
YW1. Thinking again about your main job (the job from which you earned the most income in the past month), how qualified would you say you are for performing the tasks required in this job? Do you think you are:
1. Overqualified
2. Adequately qualified
3. In need of additional training
Asked of: D3=1, 2, or 5 and PPAGE<=30 and English language sample
(Young adults employed for someone else or contractor in main job)
[S]
YW2. Do you consider your main job to be a career, a stepping stone to a career, or just a job to get you by?
1. Career
2. Stepping stone to a career
3. Just a job
Asked of: PPAGE<=30 and English language sample
(Young adults)
[S]
YW3. Do you believe you now have the level of education and training needed for the type of job that you would like to hold in the next 5 years?
1. Yes
0. No
-2. Don't know
General Housing Section
Asked of: All respondents
[SHOW DISPLAY3 AND GH1 ON THE SAME PAGE]
[DISPLAY3]
This section will ask some questions about your housing situation.
[S]
GH1. Please describe the housing arrangement where you currently live. Do [IF PPMARIT=1, INSERT: (you and/or your spouse) / IF PPMARIT=6, INSERT: (you and/or your partner)] / IF PPMARIT=2-5: you:
1. own home with a mortgage or loan
2. own home free and clear (without a mortgage or loan)
3. pay rent
4. neither own home nor pay rent
Asked of: English language sample
[Q WITH S, RANGE (2017-PPAGE) TO 2017]
GH2. In what year did you [IF GH1=1 OR 2, INSERT: buy / IF GH1=3, INSERT:start renting / IF GH1=4, OR REFUSED, INSERT: move into] your current home?
[NUM BOX (2017-PPAGE) -2017]
-2. Inherited home from parents or other relatives [S. DISPLAY IF GH1=1 OR GH1=2]
Asked of: All respondents
[GRID, S ACROSS]
GH3. How satisfied are you with each of the following aspects of your housing situation?
DOWN
a. Overall quality of your neighborhood
b. Quality of your local schools
c. Safety of your neighborhood
d. Quality of other amenities in your neighborhood
e. Overall quality of your house/apartment
f. [IF GH1= 1, 2, 3] Cost of your house/apartment
ACROSS
1. Very dissatisfied
2. Somewhat dissatisfied
3. Neither satisfied nor dissatisfied
4. Somewhat satisfied
5. Very satisfied
Asked of: English language sample
[GRID, S ACROSS]
GH10. In deciding where to live, how important is it to you to have convenient access to each of the following places in your local community?
DOWN
a. Park, playground, or recreation center
b. Library
c. Bank or credit union
d. Grocery store
e. Shops, restaurants, or movie theaters
f. Church or place of worship
g. Public transportation
ACROSS
1. Not important
2. Slightly important
3. Moderately important
4. Very important
Rent Section
Asked of: (GH1 = 3 or GH1 = 4) AND (GH2 >= 2016) and English language sample
(Non-homeowners who moved recently)
[S]
R4. Did you own your previous home that you moved from in [INSERT GH2 RESPONSE IN NORMAL FONT]?
0. No
1. Yes, and I still own that home
2. Yes, and I no longer own that home
Asked of: (GH2>=2016) AND (R4=0 or refused) and English language sample
(Non-homeowners who moved recently and did not own previous home)
[M]
R5A. An eviction is when your landlord forces you to move when you don't want to. Were you, or a person you were staying with, evicted from the home you moved from in [INSERT GH2 RESPONSE IN NORMAL FONT]?
1. Yes
0. No
Asked of: (GH2>=2016) AND (R4=0 or refused) AND (R5A=0 or refused) and English language sample
(Non-homeowners who moved recently and did not own previous home)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
R5B. Did each of the following contribute to your moving from your previous home in [ INSERT GH2 RESPONSE]?
DOWN
a. Received an eviction notice
b. Your landlord told you, or a person you were staying with, to leave
c. You, or a person you were staying with, missed a rent payment and thought that if you didn't move you would be evicted
d. The city condemned the property and forced you to leave
ACROSS
1. Yes
0. No
Asked of: (GH2>=2016) AND (R4=2) and English language sample
(Non-homeowners who moved recently and owned previous home)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
R5C. Did each of the following contribute to your moving from your previous home in [INSERT GH2 RESPONSE]?
DOWN
a. Bank took possession of your home in foreclosure
b. Received a notice from the bank that they planned to foreclose
c. Missed mortgage payments and thought that if you didn't move, the bank would foreclose on your home
d. The city condemned the property and forced you to leave
ACROSS
1. Yes
0. No
Asked of: (GH1 = 3)
(Renters)
[S]
R7. In the past 12 months, have you experienced any problems with your house or apartment that you felt needed to be fixed, such as a leak or a broken appliance?
1. Yes
0. No
Asked of: (GH1 = 3) and (R7=1)
(Renters who had a problem with their housing unit)
[S]
R8. Did you contact your landlord about the problem with your house or apartment that that needed to be fixed?
1. Yes
0. No
Asked of: (GH1 = 3) and (R8=1)
(Renters who had a problem with their housing unit that they contacted landlord about)
[S]
R8A. After you contacted your landlord about the problem with your house or apartment, how much difficulty did you have getting them to fix the problem?
3. Substantial difficulty
2. Moderate difficulty
1. A little difficulty
0. None
Asked of: GH1 = 3
(Renters)
[S]
R3. About how much do you [IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner] pay for rent each month?
1. less than $250
2. $250 to $499
3. $500 to $749
4. $750 to $999
5. $1,000 to $1,249
6. $1,250 to 1,499
7. $1,500 to $1,749
8. $1,750 to $1,999
9. $2,000 or above
-2. Don't know
Mortgage Section
Asked of: GH1 = 1 and English language sample
(Homeowners with a mortgage)
[S]
M2. In the past 12 months, have you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner] missed two or more payments on your mortgage?
1. Yes
0. No
Asked of: GH1 = 1 and English language sample
(Homeowners with a mortgage)
[S]
M4. About how much is your total monthly mortgage payment (i.e. the amount you send to the bank)?
1. less than $500
2. $500 to $749
3. $750 to $999
4. $1000 to $1,249
5. $1,250 to 1,499
6. $1,500 to $1,749
7. $1,750 to $1,999
8. $2,000 to $2,499
9. $2,500 or above
-2. Don't know
Banking Section
Asked of: All respondents
[SHOW DISPLAY4 AND BK1 ON THE SAME PAGE]
[DISPLAY4]
This section will ask some questions about your experiences with banks and credit.
[S]
BK1. Do you [ IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner] currently have a checking, savings or money market account?
1. Yes
0. No
Asked of: All respondents
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
BK2. In the past 12 months, have you [ IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner] used:
DOWN
a. a money order
b. a check-cashing service
c. a tax refund anticipation loan
d. a pawn shop loan, a payday loan, an auto title loan, or a paycheck advance/deposit advance
ACROSS
1. Yes
0. No
Asked of: BK1 = 1 and English language sample
(Has a bank account)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
BK11. In the past 12 months, have you or your spouse/partner accessed an account in each of the following ways?
DOWN
a. Bank teller
b. ATM or bank kiosk
c. Telephone banking through phone call or automated voice or touch tone
d. Online banking with a laptop, desktop computer, or tablet
e. Mobile banking with text messaging, mobile app, or Internet browser or email on a mobile phone
f. Other
ACROSS
1. Yes
0. No
Asked of: BK1 = 1
(Has a bank account)
[S]
BK10. In the past 12 months, have you or your spouse/partner used your mobile phone to check a bank account balance or recent transaction, either through the bank's mobile website or the bank's mobile app?
1. Yes
0. No
Credit Application Section
Asked of: English language sample
[S]
A6. If you were to apply for a credit card today, how confident are you that your application would be approved?
3. Not confident
2. Somewhat confident
1. Very confident
-2. Don't know
Asked of: English language sample
[S]
A0. In the last 12 months, have you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner] applied for any credit (such as a credit card, higher credit card limit, mortgage, refinance, student loan, personal loan, or other loan)?
1. Yes
0. No
Asked of: A0=1 and English language sample
(Applied for credit)
[M]
A0A. Please select all of the types of credit below that you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] have applied for in the past 12 months.
a. Mortgage to buy a new home
b. Refinance of a home mortgage
c. Home equity loan or line of credit
d. Credit card
e. Car/auto loan
f. Student loan
g. Personal general-purpose loan from a bank
h. Personal loan from friends or family
i. Other (please specify): [text box]
Asked of: A0=0 and English language sample
(Did not apply for credit)
[S]
A0B. Was there a time in the past 12 months that you [ IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] desired credit but chose not to submit a credit application?
1. Yes
0. No
Asked of: A0=1 OR -1 (Refused) and English language sample
(Applied for credit)
[GRID, S ACROSS]
A1. In the past 12 months, please tell us if each of the following has or has not happened to you [ IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner]:
DOWN
a. You [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner] were turned down for credit
b. You [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] were approved for credit, but were not given as much credit as you applied for
c. You [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] put off applying for credit because you thought you might be turned down
ACROSS
1. Yes
0. No
Asked of: A0B=1 and English language sample
(Did not apply for credit but desired credit)
[S]
A2. You indicated that you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] desired credit in the past 12 months but did not submit a credit application. Was this because you thought that you might be turned down or denied credit?
1. Yes
0. No
Asked of: (A1_a=1 or A1_b=1) and at least two of (A0A_a - A0A_i) selected and English language sample
If only one of A0A_a - A0A_i selected, do not ask and auto-punch response
[M]
A3. In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested:
[ONLY SHOW OPTIONS SELECTED IN A0A AND ANSWER
OPTION I. OTHER]
a. Mortgage to buy a new home
b. Refinance of a home mortgage
c. Home equity loan or line of credit
d. Credit card
e. Car/auto loan
f. Student loan
g. Personal general-purpose loan from a bank
h. Personal loan from friends or family
i. Other [INSERT A0A RESPONSE]
Financial Management Section
Asked of: English language sample
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
FM10. People use a variety of methods to manage their finances. Do you use each of the following?
DOWN
a. Follow a budget or spending plan
b. Track spending
c. Review paper bank statements and/or bills
d. Pay with cash or a prepaid card to avoid overdrafts
e. Get account alerts (e.g., via email, text message, or push notification)
f. Automatically set aside long-term savings (e.g., in a college, retirement, or investment account)
g. Plan and save for periodic expenses (e.g., insurance, vacation, car repair)
h. Sign up for a budget payment plan to make utility or other payments more regular/predictable
i. Pay some bills automatically (so they won't be late or missed)
j. Other (please specify): [text box]
ACROSS
1. Yes
0. No
Asked of: FM10_a = 1 or FM10_b = 1 and English language sample
(Use a budget or track spending)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
FM20. Do you use each of the following methods to budget or track your spending?
DOWN
a. Electronic program through my bank
b. Non-bank program - e.g., online service (Mint), software (Quicken), or mobile app
c. Spreadsheet
d. Paper-based system (e.g., notebook, checkbook register)
e. Other (please specify): [text box]
ACROSS
1. Yes
0. No
Credit Condition Section
Asked of: English language sample
[S]
C2A. Do you have at least one credit card?
1. Yes
0. No
Asked of: C2A=1 or refused and English language sample
(Has a credit card)
[S]
C3. Do you currently have any outstanding unpaid credit card debt?
1. Yes
0. No
Asked of: C3=1 or refused and English language sample
(Has outstanding credit card debt)
[S]
C3A. Do you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] currently have more, less, or about the same amount of credit card debt than you had 12 months ago?
3. More debt now
2. About the same
1. Less debt now
Asked of: C3=0 and English language sample
(Does not have outstanding credit card debt)
[S]
C3B. 12 months ago, did you have any credit card debt that you have since paid off?
1. Yes
0. No
Asked of: C2A=1 or refused and English language sample
(Has a credit card)
[S]
C4A. In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?
0. Never carried an unpaid balance (always pay in full)
1. Once
2. Some of the time
3. Most or all of the time
Asked of: C4A=1, 2, 3 or refused and English language sample
(Has a credit card, carried unpaid balance in the past year)
[S]
C4B. In the past 12 months, how frequently have you paid only the minimum payment on one or more of your credit cards?
0. Never
1. Once
2. Some of the time
3. Most or all of the time
Education Section
Asked of: all respondents
[SHOW DISPLAY5 AND ED0 ON THE SAME PAGE]
[DISPLAY5]
This section will ask some questions about your education and experiences with student loans.
[S]
ED0: What is the highest level of school you have completed or the highest degree you have received?
1. Less than High School degree
2. High school degree or GED
3. Some college but no degree (including currently enrolled in college)
4. Certificate or technical degree
5. Associate degree
6. Bachelor's degree
7. Master's degree
8. Professional degree (e.g. MBA, MD, JD)
9. Doctoral Degree
CREATE [DOV_ED]:
IF ED0 = 5 DOV_ED = "Associate Degree"
IF ED0 >= 6 DOV_ED = "Bachelor's Degree"
Asked of: all respondents
[S]
D1G. Are you currently enrolled as a student?
2. Yes, as a full-time student
1. Yes, as a part-time student
0. No
Asked of: D1G=1 or 2
(Current student)
[S]
ED0B: What type of program are you currently pursuing?
1. High school or GED program
2. Non-degree training program
3. Certificate or technical degree
4. Associate degree
5. Bachelor's degree
6. Master's degree
7. Professional degree (e.g. MBA, MD, JD)
8. Doctoral Degree
Asked of: (ED0=2) and (D1G=0)
(High school only and not enrolled in college)
[S]
ED0D: Have you ever enrolled in an educational degree program beyond high school?
1. Yes
0. No
Asked of: ED0 = (3, 4, 5, 6, 7, 8, OR 9) OR (D1G=1 or 2) OR ED0D=1
(All who attended college, are enrolled in college, or started but did not finish an educational program)
[S]
ED1. Which one of the following broad categories best describes your [IF D1G=1 or D1G=2, INSERT: current / IF D1G=0 OR D1G=REFUSED, INSERT: most recent] educational program?
1. Humanities
2. Social/behavioral sciences
3. Life sciences
4. Physical sciences/math
5. Computer/information sciences
6. Engineering
7. Education
8. Business/management
9. Health
10. Law
11. Vocational/technical training
12. Undeclared
13. Other (please specify): [text box]
Asked of: (ED0=3 or 4) or (ED0=2 and (D1G=1 or 2)) or (ED0=2 and ED0D=1) and English language sample
([Some college or certificate] OR [high school degree and either enrolled in college or dropped out])
[DROPDOWN]
ED2A. In what state is the school that you [IF D1G=1 OR D1G=2, INSERT: currently attend / IF D1G=0 OR D1G=REFUSED, INSERT: attended for your most recent educational program] located? If the school is not located in the United States, please select "International" from the bottom of the list.
[DROPDOWN BOX with 50 states + DC + the term "international"]
ED2B. What is the name of the school you [IF ED0A=1, INSERT: currently attend / IF ED0A=0 OR ED0A=REFUSED, INSERT: attended for your most recent educational program]?
School name: [State-specific drop-down list]
If you do not see the school you attended in the list above, please type it into the text box provided.
Other school not listed: [Text Box]
Asked of: ((ED0=3 or 4) and (D1G=0)) or (ED0=2 and ED0D=1)
(Some college or certificate, not enrolled)
[Q]
ED4. In what year did you last attend this educational program?
_____ [NUM BOX, RANGE (2017-PPAGE) - 2017]
Asked of: (ED0 =3 or 4) or (ED0=2 and (D1G=1 or 2)) or (ED0=2 and ED0D=1)
(Started educational program, but less than associate degree)
[S]
ED5. Overall, how would you say the lifetime financial benefits of your [ IF D1G=1 or D1G=2, INSERT: current / IF D1G=0 OR D1G=REFUSED, INSERT: most recent] educational program compare to its financial costs?
1. Financial benefits are much larger
2. Financial benefits are somewhat larger
3. About the same financial benefits and financial costs
4. Financial costs are somewhat larger
5. Financial costs are much larger
Asked of: ((ED0=3 or 4) and (D1G=0)) or (ED0=2 and ED0D=1)
(Some college or certificate, not currently enrolled)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
ED6. If you could go back and make your education decisions again, would you have done any of these things:
DOWN
a. Chosen a different field of study
b. Attended a different school
c. Completed less education
d. Completed more education
e. Chosen not to attend college
ACROSS
1. Yes
0. No
Asked of: (ED0 = 5, 6, 7, 8, or 9) and English language sample
(Associate degree or above)
[DROPDOWN]
ED7A. In what state is the school that you received your [DOV_ED] located? If the school is not located in the United States, please select "International" from the bottom of the list.
[DROPDOWN BOX with 50 states + DC + the term "international"]
Asked of: (ED0 = 5, 6, 7, 8, or 9) and English language sample
(Associate degree or above)
[DROPDOWN]
ED7B. What is the name of the school from which you received your [DOV_ED]?
School name: [State-specific drop-down list]
If you do not see the school you attended in the list above, please type it into the text box provided.
Other school not listed: [Text Box]
Asked of: ED0 = 5, 6, 7, 8, or 9
(Associate degree or above)
[Q]
ED9. In what year did you receive your [DOV_ED]?
[NUM BOX, RANGE 2017-PPAGE - 2017]
Asked of: ED0 = 5, 6, 7, 8, or 9
(Associate degree or above)
[S]
ED10. Overall, how would you say the lifetime financial benefits of your [DOV_ED] program compare to its financial costs?
1. Financial benefits are much larger
2. Financial benefits are somewhat larger
3. About the same financial benefits and financial costs
4. Financial costs are somewhat larger
5. Financial costs are much larger
Asked of: ED0 = 5, 6, 7, 8, or 9
(Associate degree or above)
[Suppress default instructions, instead show: Pease answer yes or no to each option ]
[GRID, S ACROSS]
ED11. If you could go back and make decisions regarding your [DOV_ED] again, would you have done any of these things:
DOWN
a. Chosen a different field of study
b. Attended a different school
c. Completed less education
d. Completed more education
e. Chosen not to attend college
ACROSS
1=Yes
0=No
Asked of: PPAGE<=30 and (ED0=4 or ED0=5) and (D1G=0) and English language sample
(Young adults with certificate or associate degree and not currently enrolled)
[S]
ED0C: Have you ever enrolled in a 4-year bachelor's degree program?
1. Yes
0. No
Asked of: PPAGE<=30 and (ED0=4 or 5) and (ED0C=1) and English language sample
(Young adults who started bachelor's degree program but did not complete it)
[S]
ED4A. In what year did you last attend the bachelor's degree program that you were enrolled in?
_____ [NUM BOX, RANGE (2017-PPAGE) - 2017]
Asked of: (PPAGE<=30) AND (ED0C=1 OR ED0D=1 OR ED0=3) AND D1G=0 and English language sample
(Young adults who started a bachelor's degree program but did not complete it and are not currently enrolled)
[S]
ED4B: How likely is it that you will return to school and complete the program that you started but did not complete?
1. Definitely will return and complete program
2. Probably will return and complete program
3. Not sure
4. Probably will not return and complete program
5. Definitely will not return and complete program
Asked of: (ED0 = 2) and (D1G=0 or refused and ED0D=0) and PPAGE<=30
(Completed high school. Did not attend college)
[M, RANDOMIZE A-H]
ED13. Which of the following are reasons why you did not attend college?
a. Too expensive
b. Child care responsibilities
c. Supported or cared for parents or siblings
d. Needed to earn money
e. Wanted to work
f. Simply was not interested in college
g. Was not admitted
h. Did not think benefits of attending college were worth the cost
i. Other (please specify): [text box]
Asked of: (ED0 = 3 or (ED0=2 and ED0D=1)) and (D1G=0) and (PPAGE<=30 or ED4>=2006) (Attended college. Did not complete)
[M, RANDOMIZE A-H]
ED14. Which of the following are reasons why you did not complete your college degree?
a. Too expensive
b. Child care responsibilities
c. Supported or cared for parents or siblings
d. Needed to earn money
e. Wanted to work
f. Simply not interested in continuing in college
g. Low grades
h. Did not think the benefits of continuing college were worth the cost
i. Other (please specify): [text box]
Student Loans Section
Asked of: All respondents and English language sample
[S]
SL1. Do you currently have student loan debt or owe any money used to pay for your own education?
Please include any loans on which you are a co-signer that were used to pay for your education beyond high school (including student loans, home equity loans, or credit cards paid off over time).
1. Yes
0. No
Asked of: SL1 = 1 and English language sample
(Currently owes debt from own education)
[GRID, S ACROSS]
SL2. Think about the money you currently owe for your own education. Is the money you owe for that education a student loan, a home equity loan, a credit card debt, or some other type of loan? If you have multiple loans, please select all that apply.
DOWN
a. Student loan
b. Home equity loan
c. Credit card
d. Other loan (please specify): [text box]
ACROSS
1. Yes
0. No
Asked of: SL1 = 1 and English language sample
(Currently owes debt from own education)
[S]
SL3. Thinking specifically about the money that you owe for your own education, please tell us the total amount that you currently owe on these loans.
1. Less than $5,000
2. $5,000 to $9,999
3. $10,000 to $14,999
4. $15,000 to $19,999
5. $20,000 to $24,999
6. $25,000 to $29,999
7. $30,000 to $39,999
8. $40,000 to $49,999
9. $50,000 to $74,999
10. $75,000 to $99,999
11. $100,000 or above
-2. Don't know
Asked of: SL1 = 1 and English language sample
(Currently owes debt from own education)
[S]
SL4. Approximately how much is the total monthly payment that you are required to make on the loans from your education?
Please only include the amount that you are paying, and not money that is paid by others on your behalf
1. I am currently not required to make any payments on these loans
2. $1 to $49
3. $50 to $99
4. $100 to $199
5. $200 to $299
6. $300 to $399
7. $400 to $499
8. $500 to $749
9. $750 to $999
10. $1,000 or above
-2. Don't know
Asked of: SL1 = 1 and English language sample
(Currently owes debt from own education)
[S]
SL6. Are you behind on payments or in collections for one or more of the loans from your own education?
1. Yes
0. No
Asked of: SL1 = 0 or refused and English language sample
(No current debt from own education)
[S]
SL7. Did you borrow money or take out any loans to pay for your own education that you have since repaid?
1. Yes
0. No
Asked of: SL1 = 1 or SL7=1 and English language sample
(Ever took out loans for own education)
[GRID, S ACROSS]
SL8. Still thinking about the money you borrowed to pay for your own education, did you borrow money for each of the following educational programs (including any loans which you have completely repaid or for education you did not complete)?
DOWN
a. Certificate or technical training
b. Associate degree
c. Bachelor's degree
d. Professional degree (e.g. MBA, MD, JD)
e. Master's degree or Doctoral Degree
ACROSS
1=Yes
0=No
Asked of: IF PPMARIT=1 OR 6 and English language sample
(Married or living with partner)
[S]
SL10. Do you currently owe any money used to pay for your [ IF PPMARIT=1, INSERT: spouse's/ IF PPMARIT=6, INSERT: partner's] education?
Please only include any loans on which you are a co-signer that were used to pay for their education beyond high school (including student loans, home equity loans, or credit cards paid off over time).
1. Yes
0. No
Asked of: ppage>=30 and English language sample
(Age 30 or older)
[S]
SL11. Do you currently owe any money used to pay for your child or grandchild's education?
Please only include any loans on which you are a co-signer that were used to pay for their education beyond high school (including student loans, home equity loans, or credit cards paid off over time).
1. Yes
0. No
999. Do not have children or grandchildren
Asked of: IF SL11=1 and English language sample
(Student loans for children or grandchildren)
[GRID, S ACROSS]
SL12. Is the money you owe for your child or grandchild's education a student loans, home equity loan, credit card debt, or some other type of loan? If you have multiple loans, please select all that apply.
DOWN
A. Student Loan
B. Home Equity Loan
C. Credit Card
D. Other Loan (please specify): [text box]
ACROSS
1. Yes
0. No
Retirement Planning Section
Asked of: (D1I = 0 or Refused) and English language sample
(Not Retired)
[SHOW DISPLAY6 AND K0 ON THE SAME PAGE]
[FOR THOSE WHO ARE NOT DISPLAYED K0, SHOW DISPLAY6A AND K8A ON THE SAME PAGE]
[DISPLAY6]
This section will ask some questions about your planning and savings for retirement.
Asked of: (D1I = 0 or Refused) and English language sample
(Not Retired)
[S]
K0. Do you think that your retirement savings plan is currently on track?
1. Yes
0. No
-2. Don't know
Asked of: (D1I = 0 or Refused) and English language sample
(Not Retired)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
K2. Do you currently have each of the following types of retirement savings or pension?
DOWN
a. 401(k), 403(b), Keogh, or other defined contribution plan through an employer or former employer (i.e., a retirement plan through work, where you contribute a percent of your salary each pay-period to invest for retirement)
b. Pension with a defined benefit through an employer or former employer (i.e., a pension that will pay you a fixed amount each year during retirement based on a formula, your earnings, and years of service)
c. IRA or Roth IRA
d. Savings outside a retirement account (e.g. a brokerage account, savings account, or stock holdings)
e. Real estate or land that you plan to sell or rent to generate income in retirement
f. Ownership of a business
g. Other retirement savings (please specify): [text box]
ACROSS
1. Yes
0. No
Asked of: (K2_a, K2_c, K2_d, or K2_g=1) and English language sample
(Not retired, Has self-directed retirement savings)
[S]
K20. Approximately how much money do you currently have saved for retirement?
1. Less than $10,000
2. $10,000 to $24,999
3. $25,000 to $49,999
4. $50,000 to $99,999
5. $100,000 to $249,999
6. $250,000 to $499,999
7. $500,000 to $999,999
8. Over $1,000,000
-2. Don't know
Asked of: (K2_a, K2_c, K2_d, or K2_g=1) and English language sample
(Not retired, Has self-directed retirement savings)
[S]
DC4: How comfortable are you with making your own investment decisions in your retirement accounts?
1. Very comfortable
2. Mostly comfortable
3. Slightly comfortable
4. Not comfortable
Asked of: (D1I = 0 or Refused) and English language sample
(Not Retired)
[S]
K5A. In the past 12 months, have you borrowed money from or cashed out (permanently withdrawn) money from any of your retirement savings accounts?
1. Yes, borrowed money
2. Yes, cashed out
3. Yes, both
0. No
Asked of: (D1I = 1) and English language sample Show Display 6A and K8A on the same screen
(Retired)
[DISPLAY6A]
This section will ask some questions about your planning and savings for retirement.
[Q with S, RANGE 17 to PPAGE]
[ALLOW RESPONDENT TO EITHER TYPE ANSWER IN NUMBER BOX OR CHECK DON'T KNOW, PROMPT WITH THE FOLLOWING IF BOTH: Please enter an answer in the number box OR check Not Sure .]
K8A. You indicated previously that you are retired. At what age did you retire?
[NUM BOX 17-PPAGE]
-2 Not Sure [S]
Asked of: (D1I = 1) and English language sample
(Retired)
[GRID, S ACROSS]
K9. How important were each of the following in your decision to retire at the age that you did?
DOWN
a. Poor health
b. Wanted to do other things
c. Didn't like the work
d. Family responsibilities
e. Wanted to spend more time with family
f. Forced to retire or lack of available work
ACROSS
3. Very important
2. Somewhat important
1. Not important
Asked of: (D1I = 1) and English language sample
(Retired)
[GRID, S ACROSS]
[Suppress default instructions, instead show: Please answer yes or no to each option ]
K10. Are each of the following sources of funds for you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] in retirement?
DOWN
a. Social Security
b. I have a job
c. My spouse/partner has a job [Display if PPMARIT=1 or PPMARIT=6]
d. Pension with a defined benefit from work (i.e., pension based on a formula, your earnings, and years of service)
e. 401(k), 403(b), Keogh, or other defined contribution plan from work (i.e., a retirement plan through work, where you contributed a percent of your salary each pay-period to invest for retirement)
f. IRA or Roth IRA
g. Savings outside a retirement account (e.g., a brokerage account, savings account)
h. Income from real estate or the sale of real estate
i. Income from a business or the sale of a business
j. Relying on children, grandchildren, or other family
k. Other retirement savings
ACROSS
1. Yes
0. No
Income and Consumption Section
Asked of: All respondents
[SHOW DISPLAY7 AND I0 ON THE SAME PAGE]
[DISPLAY7]
This section will ask some questions about your savings, expenses, and sources of income.
Asked of: All respondents
[S]
I0. In the past 12 months, did you [IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT:and/or your partner] receive any income from the following sources:
DOWN
a. Wages or salaries
b. Self-employment
c. Occasional work activities or side jobs (do not include income from GfK)
d. Interest, dividends, or rental income
e. Social Security
f. Supplemental Security (SSI)
g. Unemployment income
h. Pension income
i. Any other income
ACROSS
1. Yes
0. No
Asked of: if ALL I0_a through I0_i =0 or refused
(No income sources listed)
[S]
I0A. Did you [IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner] receive any income from any source in the past 12 months?
1. Yes
0. No
Asked of: I0=1 for any response OR I0A=1 or refused
(Report having any income)
[S]
[IF REFUSED, PROMPT ONCE: "We ask for information about your income because it is extremely important for our understanding of household finances in the United States. We greatly appreciate your response and your answer will remain completely anonymous" ]
I40. Which of the following categories best describes the total income that you [ IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] received from all sources, before taxes and deductions, in the past 12 months?
1. $0 to $4,999
2. $5,000 to $14,999
3. $15,000 to $24,999
4. $25,000 to $39,999
5. $40,000 to $49,999
6. $50,000 to $74,999
7. $75,000 to $99,999
8. $100,000 to $149,999
9. $150,000 to $199,999
10. $200,000 or higher
Asked of: All respondents
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
I41. In the past 12 months, have you [IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT:and/or your partner] received any of the following?
DOWN
a. Earned Income Tax Credit
b. Supplemental Nutrition Assistance Program (SNAP or food stamps)
c. Women, Infants, and Children (WIC) nutrition program benefits
d. Assistance with housing payments from a state, county, or federal program
e. Free or reduced price school lunches
f. Cash assistance from a state or county welfare program, such as TANF
ACROSS
1. Yes
0. No
Asked of: All respondents
[S]
I9. In the past 12 months, which one of the following best describes your [IF PPMARIT=1, INSERT: and your spouse's / IF PPMARIT=6, INSERT: and your partner's] income?
1. Roughly the same amount each month
2. Occasionally varies from month to month
3. Varies quite often from month to month
Asked of: (I9 = 2 or 3)
(Income varies at least occasionally)
[S]
I12. Because your income varies, have you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner] struggled to pay your bills in the past 12 months?
1. Yes
0. No
Asked of: All respondents
[S]
I20. In the past month, would you say that your [IF PPMARIT=1, INSERT: and your spouse's / IF PPMARIT=6, INSERT:and your partner's] total spending was:
3. More than your income
2. The same as your income
1. Less than your income
Financial Support from Outside the Home Section
Asked of: All respondents
[S]
FS10. Does anyone living outside of your household (such as a parent, child, other relatives, or friends) provide you with regular financial support? This may include cash or help with rent, groceries, education expenses, student loans, car payments, or other expenses.
1. Yes
0. No
Asked of: FS10=1
(Receive financial support)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
FS20. Do you receive each of the following types of financial support from people living outside of your household?
DOWN
a. Help paying rent or mortgage
b. Help with education expenses or student loan bills
c. Help with car payment
d. Help with other bills (please specify): [text box]
e. Money for general expenses or anything else
ACROSS
1. Yes
0. No
Asked of: FS10=1
(Receive financial support)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
FS30. Who outside of your household provides you with regular financial support or helps you with bill payments?
DOWN
a. Parent(s)
b. My adult child
c. Other relatives
d. Friends
e. Other (please specify): [text box]
ACROSS
1. Yes
0. No
Asked of: All respondents
[S]
FS40. Do you provide regular financial support to anyone living outside of your household (such as a parent, child, other relatives, or friends)? This may include cash or help with rent, groceries, education expenses, student loans, car payments, or other expenses.
1. Yes
2. No
Emergency Fund Section
[SHOW DISPLAY8 AND EF1 ON THE SAME PAGE]
[DISPLAY8]
This section will ask some questions about your emergency savings, insurance, and economic hardships.
Asked of: All respondents
[S]
EF1. Have you set aside emergency or rainy day funds that would cover your expenses for 3 months in case of sickness, job loss, economic downturn, or other emergencies?
1. Yes
0. No
Asked of: EF1 = 0 or refused
(Does not have 3 months emergency fund)
[S]
EF2. If you were to lose your main source of income (e.g. job, government benefits), could you cover your expenses for 3 months by borrowing money, using savings, selling assets, or borrowing from friends/family?
1. Yes
0. No
Asked of: All respondents
[M]
EF3. Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense? If you would use more than one method to cover this expense, please select all that apply.
a. Put it on my credit card and pay it off in full at the next statement
b. Put it on my credit card and pay it off over time
c. With the money currently in my checking/savings account or with cash
d. Using money from a bank loan or line of credit
e. By borrowing from a friend or family member
f. Using a payday loan, deposit advance, or overdraft
g. By selling something
h. I wouldn't be able to pay for the expense right now
i. Other (please specify): [text box]
Asked of: All respondents
[S]
EF5A. Which best describes your ability to pay all of your bills in full this month?
1. I will be able to pay all of my bills in full
0. I cannot pay some bills or will only make a partial payment on some of them
Asked of: EF5A=1
(Able to pay all bills this month)
[S]
EF5B. How would a $400 emergency expense that you had to pay impact your ability to pay your other bills this month?
1. I would still be able to pay all of my other bills in full
0. I could not pay some other bills or would only make a partial payment on some of them
Asked of: EF5A=0
(unable to pay all bills this month)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
EF6A. Are you expecting to be unable to pay or only make a partial payment on each of the following bills this month?
DOWN
a. Rent or mortgage
b. Credit card
c. Water, gas, or electric bill
d. Phone or cable bill
e. Car payment
f. Student loan
g. Other (please specify): [text box]
ACROSS
1. Yes
0. No
Asked of: EF5B=0
(unable to pay all bills this month if faced with a $400 expense)
[Suppress default instructions, instead show: Please answer yes or no to each option ]
[GRID, S ACROSS]
EF6B. Which of the following bills would you likely skip paying, or make only a partial payment on, if you had a $400 emergency expense that you had to pay?
DOWN
a. Rent or mortgage
b. Credit card
c. Water, gas, or electric bill
d. Phone or cable bill
e. Car payment
f. Student loan
g. Other (please specify): [text box]
ACROSS
1. Yes
0. No
Health and Insurance Section
Asked of: English language sample
[GRID, S ACROSS]
[SHOW THIS TEXT INSTEAD OF DEFAULT INSTRUCTIONS: Please answer yes or no to each option ]
E1. During the past 12 months, was there a time when you needed any of the following, but went without because you couldn't afford it?
DOWN
a. Prescription medicine (including taking less medication than prescribed)
b. Seeing a doctor
c. Mental health care or counseling
d. Dental care (including skipping check-ups or routine cleaning)
e. Seeing a specialist (such as an OB/GYN, dermatologist, orthopedic surgeon, etc.)
f. Follow-up care (e.g., skipping physical therapy sessions recommended by a doctor)
ACROSS
1. Yes
0. No
Asked of: English language sample
[S]
E2. During the past 12 months, have you had any unexpected major medical expenses that you had to pay out of pocket because they were not completely paid for by insurance?
1. Yes
0. No
Asked of: E2=1 and English language sample
(Had major medical expense)
[Q]
E2A. Approximately how much did you pay out of pocket for unexpected major medical expenses in the past 12 months?
$[NUMBER BOX 0-9999999]
Asked of: E2=1 and English language sample
(Had major medical expense)
[S]
E2B: Do you currently have any debt from the unexpected major medical expenses that you had in the past 12 months?
1. Yes
0. No
Asked of: and English language sample
[GRID, S ACROSS]
[SHOW THIS TEXT INSTEAD OF DEFAULT INSTRUCTIONS: Please answer yes or no to each option ]
E4. Are you currently covered by any of the following types of health insurance or health coverage plans?
DOWN
a. Insurance through a current or former employer or union (of yourself or a family member)
b. Insurance purchased directly from an insurance company (by yourself or a family member)
c. Medicare, for people 65 or older, or people with certain disabilities
d. Medicaid, Medical Assistance, or any kind of government-assistance plan for those with low incomes or disability
e. TRICARE or other military health care
f. VA (including those who have ever used or enrolled for VA health care)
g. Insurance purchased through a health insurance exchange
h. Any other type of health insurance or health coverage plan
ACROSS
1. Yes
0. No
Asked of: English language sample
[S]
E5. Do you personally know someone who has been addicted to opioids or prescription painkillers?
1. Yes
0. No
Financial Hardship Section
Asked of: English language sample
[GRID, S ACROSS]
[SHOW THIS TEXT INSTEAD OF DEFAULT INSTRUCTIONS: Please answer yes or no to each option ]
X2. Have you experienced financial hardship due to each of the following events in the past 12 months?
DOWN
a. I lost a job
b. I had my work hours and/or pay reduced
c. My spouse/partner lost a job [DISPLAY IF PPMARIT=1 or PPMARIT=6]
d. My spouse/partner had their work hours and/or pay reduced [DISPLAY IF PPMARIT=1 or PPMARIT==6]
g. Other (please specify): [text box]
ACROSS
1. Yes
0. No
Asked of: X2=1 for at least one answer and English language sample
Only show choices a-g where respondent answered "yes" to X2
[GRID, S ACROSS]
X3. How much financial strain did each of the events that you experienced cause for you and your family?
DOWN
a. I lost a job
b. I had my work hours and/or pay reduced
c. My spouse/partner lost a job
d. My spouse/partner had their work hours and/or pay reduced
g. Other (please specify): [text box]
ACROSS
1. A little
2. Some
3. A lot
Childhood Background Section
[SHOW DISPLAY9 AND CH0 ON THE SAME PAGE. IF CH0 NOT ASKED, DISPLAY ON CH5 PAGE IF CH5 IS ASKED OR ON CH2 PAGE IF CH5 IS ALSO NOT ASKED]
[DISPLAY9]
Asked of: xsflag=2 or 3 and English language sample
(Fresh and LMI respondents)
We are interested in a few characteristics of your family when you were growing up.
Asked of: xsflag=2 or 3 and English language sample (Fresh and LMI respondents)
[Text Box]
CH0. Where did you live when you started high school?
a. City and State: [Text box]
b. Zip Code: [Text Box]
c. Country (if not in U.S. [Text Box]
Asked of: xsflag=2 or 3 and English language sample
(Fresh and LMI respondents)
[GRID, S ACROSS]
CH1. When you were growing up (under age 17), how frequently did you worry about each of the following?
DOWN
a. Your family's finances
b. Having enough food to eat
c. Crime and personal safety
d. Having a stable caregiver
ACROSS
1. Never worried
2. Rarely worried
3. Sometimes worried
4. Regularly worried
Asked of: PPAGE<=30 and English language sample
(Young adults)
[GRID, S ACROSS]
[SHOW THIS TEXT INSTEAD OF DEFAULT INSTRUCTIONS: Please answer yes or no to each option ]
CH5. During high school, did you receive information or counseling from your school on a regular basis about the following:
DOWN
a. Jobs available while in school
b. College or college admissions
c. Jobs or career paths for after graduation
ACROSS
1. Yes
0. No
-2. Don't know
Asked of: All respondents
[S]
CH2. What is the highest level of education that your mother completed?
1. Less than High School degree
2. High school degree or GED
3. Some college but no degree
4. Certificate or technical degree
5. Associate degree
6. Bachelor's degree
7. Graduate degree
-2. Don't know
Asked of: All respondents
[S]
CH3. What is the highest level of education that your father completed?
1. Less than High School degree
2. High school degree or GED
3. Some college but no degree
4. Certificate or technical degree
5. Associate degree
6. Bachelor's degree
7. Graduate degree
-2. Don't know
Financial Literacy Section
Asked of: English language sample
[SHOW DISPLAY10 AND FL1 ON THE SAME PAGE]
[DISPLAY10]
Finally, we have a few questions about your views on finances and the economy.
Asked of: English language sample
[S]
FL1. Do you think the following statement is true or false?
"Housing prices in the US can never go down."
1. True
2. False
-2. Don't know
Asked of: English language sample
[S]
FL2. Do you think the following statement is true or false?
"Buying a single company's stock usually provides a safer return than a stock mutual fund."
1. True
2. False
-2. Don't know
Asked of: English language sample
[S]
[RANDOMIZE 1-4]
FL3. Considering a long time period (for example 10 or 20 years), which asset described below normally gives the highest returns?
1. Stocks
2. Bonds
3. Savings accounts
4. Precious metals
-2. Don't know [Anchor]
Asked of: English language sample
[S]
FL4. Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year, how much would you be able to buy with the money in this account?
1. More than today
2. Exactly the same
3. Less than today
-2. Don't know
Asked of: English language sample
[S]
FL5. Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow?
1. More than $102
2. Exactly $102
3. Less than $102
-2. Don't know