Appendix A: Survey Questionnaire
This appendix contains a reproduction of the survey instrument in its entirety. The bracketed texts 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 marked with "New" before the question number were added to the survey this year. 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
Base: All respondents
DISPLAY01 [Disp]
Welcome
We want to learn more about your financial wellbeing and views on the economy. We appreciate your participation in this survey.
This survey supports research on financial conditions in the United States. It has been reviewed and is consistent with requirements from the Office of Management and Budget.
OMB Control Number: 7100-0374
Expiration Date: November 30, 2023
[If "supports" clicked above, display this text in a new tab or window]
A report with findings from this survey and a dataset—without including your name or any other identifying information—will be released publicly on the Federal Reserve Board's website.
[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 0.35 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 (7100-0374), Washington, DC 20503.
Living Arrangements Section
Base: All respondents
L0 [BANKED GRID, S ACROSS]
First, do each of the following people currently live with you?
DOWN
a. My spouse or partner
b. My child(ren) under age 18
c. My adult child(ren) age 18 or older
d. My parent(s)
e. Other individuals
ACROSS
1. Yes
0. No
Base: If L0_c=1 (Living with adult children)
L0A [S]
Are the adult children (who are age 18 or older) who live with you:
1. All currently enrolled in school
2. One or more not currently enrolled in school
Base: If L0_e=1 (Living with other individuals)
L0B [BANKED GRID, S ACROSS]
[IF L0_a=1 or L0_b=1 or L0_c=1 or L0_d=1, Insert: Other than your spouse or partner, children, or parents, are / ELSE, insert:Are] the people living with you:
DOWN
a. Your brother(s) or sister(s)
b. Other relatives
c. Other people not related to you
ACROSS
1. Yes
0. No
Base: If L0_b=1 (Living with children under age 18)
NEW L0C [S]
How many children do you have who are under age 18 and currently live with you?
1. 1
2. 2
3. 3
4. 4
5. 5
6. 6
7. 7 or more
Base: If L0_b=1 (Living with children under age 18)
NEW L0D [Grid with number boxes with range 0-17]
How old are your [If L0C=7, Insert: 6 youngest] children under age 18 who currently live with you?
DOWN
a. 1 st child
b. 2 nd child (display if L0C>=2)
c. 3 rd child (display if L0C>=3)
d. 4 th child (display if L0C>=4)
e. 5 th child (display if L0C>=5)
f. 6 th child (display if L0C>=6)
ACROSS
[Number field, 0-17]
Base: If (L0_d=1 or L0A=2) (Live with parents or adult children who are not in school)
L1 [BANKED GRID, S ACROSS]
You indicated that you live with [IF L0_d=1, INSERT: your parent(s)] [IF L0_D=1 and L0A=2, INSERT:and] [IF L0A=2, INSERT: your adult children who are not in school].
Are each of the following reasons why you live with them?
DOWN
a. To save money
b. To help them financially
c. To provide help with childcare or medical care
d. To receive help with childcare or medical care
e. Prefer living with others
ACROSS
1. Yes
0. No
CREATE [DOV_SCHOOL]:
If L0_b=0 then DOV_School = 0(no children)
If max (L0D_a through L0D_f) <4 then DOV_School = 0 (no school age children)
If L0C=1 and L0D_a>=4 then DOV_School = 1 (1 school-age child)
If L0C>=2 and max(L0D_a through L0D_f) >=4 then DOV_School = 2 (2+ children, at least one school age)
Base: DOV_SCHOOL = 1 or 2 (Have school-age children)
L6 [BANKED GRID, S ACROSS]
Are any of your children currently enrolled in kindergarten through 12th grade?
[If DOV_School = 2, INSERT: If you have multiple children who attend different types of schools, please select yes if any of your children attend the type of school.]
DOWN
a. Enrolled in a public school
b. Enrolled in a private school
c. Home schooled and not enrolled in public or private school
ACROSS
1. Yes
0. No
Base: If L6_c=1 (Home schooled)
NEW L6A [BANKED GRID, S ACROSS]
Do each of the following reasons contribute to your decision to home school any of your children?
DOWN
1. The local school's safety measures are too strict
2. I'm concerned about my child getting COVID-19 at school
ACROSS
1. Yes
0. No
Base: If L6_a=1 or L6_b=1 (Enrolled in public or private school)
L7 [S]
Of your children enrolled in kindergarten through 12th grade, how is the youngest child receiving their education?
1. Classes are completely in person
2. Classes completely use a distance learning format
3. Classes use a combination of in person and distance learning
Base: If L6_a=1 or L6_b=1 (Enrolled in public or private school)
NEW L7A [S]
How would you prefer for your youngest school-age child to receive their education, given the current situation with the pandemic?
1. Classes completely in person
2. Classes completely using distance learning
3. Classes using a combination of in person and distance learning
Base: If L6_a=1 or L6_b=1 (Enrolled in public or private school)
NEW L14 [S]
Think about the precautions your child's school is taking to prevent the spread of COVID-19. Do you think the school is taking not enough, about the right amount of, or too many precautions?
[If DOV_School = 2, INSERT: Please answer for your youngest child enrolled in K–12.]
1. Not enough precautions
2. About the right amount of precautions
3. Too many precautions
Base: If L6_a=1 or L6_b=1 or L6_c=1 (Enrolled in public or private school or home schooled)
NEW L15 [BANKED GRID, S ACROSS]
Do you agree or disagree with each statement about your child for the current academic year?
[If DOV_School = 2, INSERT: Please answer for your youngest child enrolled in K–12. ]
DOWN
a. They are doing well academically
b. They are doing well socially and emotionally
c. They like school
d. They were prepared academically to start the school year
ACROSS
5. Strongly agree
4. Slightly agree
3. Neither agree nor disagree
2. Slightly disagree
1. Strongly disagree
Base: If L6_a=1 or L6_b=1 or L6_c=1 (Enrolled in public or private school or home schooled)
NEW L16 [BANKED GRID, S ACROSS]
Compared to a year ago, would you say your child is doing better, about the same, or worse in each of the following areas? [If DOV_School = 2, INSERT: Please answer for your youngest child enrolled in K–12.]
DOWN
a. Academically
b. Socially and emotionally
ACROSS
5. Much better
4. Somewhat better
3. About the same
2. Somewhat worse
1. Much worse
Base: If L0_b=1 (Live with children)
NEW L17 [S]
At any point since the start of the school year, [IF L0C=1 INSERT: has your child] [IF L0C>1 INSERT: have any of your children] been unable to attend school or childcare in person because of pandemic-related disruptions?
1. Yes
0. No
Base: If L17 =1 (Children unable to attend school because of COVID)
NEW L18 [BANKED GRID, S ACROSS]
As a result of your child being unable to attend school or childcare in person since the start of the school year, did you:
DOWN
a. Take paid leave
b. Take unpaid leave or work fewer hours
ACROSS
1. Yes
2. No
General Well-Being Section
Base: All respondents
B2 [S]
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
Base: All respondents
B3 [S]
Compared to 12 months ago, would you say that you (and your family) 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
Base: All respondents
B4 [S]
Compared to two years ago (2019), would you say that you (and your family) 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
Base: All respondents
B6 [S]
Think of your parents when they were your age. Would you say you (and your family) 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
Base: All respondents
B7 [BANKED GRID, S ACROSS]
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
Base: All respondents
NEW B10 [S]
Overall, on a scale from zero to ten, where zero is not at all satisfied and ten is completely satisfied, how satisfied are you with life as a whole these days?
0. Not at all satisfied
1.
2.
3.
4.
5.
6.
7.
8.
9.
10. Completely satisfied
Employment Section
Base: All respondents
D1A [S]
This section will ask some questions about your recent work-related activities.
Last month, did you do any work for either pay or profit?
1. Yes
0. No
Prompt twice.
Base: All respondents
D1E [S]
At any time during the past month, did you want to work [if D1A=1, INSERT: more hours]?
1. Yes
0. No
Base: If D1A=0 (Not working)
NEW D22 [BANKED GRID, S ACROSS]
Did each of the following contribute to you not working last month?
DOWN
a. Could not find work
b. Childcare
c. Other family or personal obligations
d. Would lose access to unemployment benefits or other government programs
e. Concerned about getting COVID-19
f. Health limitations or disability
g. In school or training
h. Retired
ACROSS
1. Yes
0. No
Base: If D1A=1 (Working)
D3A [S]
Think about your main job (the job from which you earned the most income in the past month). In this job, were you working for someone else, self-employed, or something else?
0. Working for someone else
1. Self-employed (working for myself)
2. Other work arrangement
Base: If D1A=1 (Working)
D3B [S]
Still thinking about your main job, do you usually work:
1. Full time (35 or more hours per week)
2. Part time (less than 35 hours per week)
Base: If D3A=0 (Working for someone else)
D30 [S]
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?
1. Normally work the same hours
2. Schedule varies, primarily at my request
3. Schedule varies, primarily based on my employer's needs
Base: If D30=3 (Schedule varies based on employer needs)
D31 [S]
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
Base: If D1A=1 (Working)
D33 [S]
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
Base: If D3A=0 (Working for someone else)
NEW CV11 [S]
Thinking about precautions that your employer is taking to prevent the spread of COVID-19, do you think they are taking:
1. Not enough precautions
2. About the right amount of precautions
3. Too many precautions
Base: If D3A=0 (Working for someone else)
NEW VAC3 [S]
Which of the following best describes the COVID-19 vaccine and testing requirements for on-site workers at your main job?
1. Workers are required to receive a COVID-19 vaccine
2. Workers must either receive a COVID-19 vaccine or be tested regularly for COVID-19
3. No COVID-19 vaccine or testing requirement
-2. Don't know
Base: If D3A=0 (Working for someone else)
NEW VAC4 [S]
Do you want your employer to require that workers get vaccinated against COVID-19?
1. Yes
0. No
Base: If D1A=1 (Working)
D34A [S]
Thinking about the work you did last week, how much of it did you do by telecommuting or working from home?
0. None
1. Some
2. All
Base: If D3A=0 and D34A=0 (Works for someone else and not working from home)
NEW D34B [S]
Could your work be done by telecommuting or working from home at least some of the time if your employer would let you?
1. Yes
0. No
Base: If D3A=0 and either (D34A=(1 or 2) or D34B=1) (Working for someone else and either could or does work from home)
NEW D34C [S]
Given a choice, how much of the time would you like to telecommute or work from home each week?
0. None
1. Some
2. All
Base: If D34C=1 or 2 (Wants to work from home at least some of the time)
NEW D35 [BANKED GRID, S ACROSS]
Are each of the following a reason that you want to telecommute or work from home, at least some of the time?
DOWN
a. Less time commuting
b. More productive working at home
c. Concerns about COVID-19
d. Work-life balance
e. Able to live in a different area
ACROSS
1. Yes
0. No
CREATE [DOV_D36_ORDER]:
0 for 1/2 of sample
1 for 1/2 of sample
CREATE [DOV_D36_AMOUNT]:
"decreased your pay by 10 percent" for 1/3 of sample
"decreased your pay by 5 percent" for 1/3 of sample
"kept your pay the same for a year" for 1/3 of sample
Base: If D3A=0 and either (D34A=(1 or 2) or D34B=1) (Working for someone else and either could or does work from home)
NEW D36A [S]
How likely would you be to actively look for another job or leave your job if you had to report to work in person each workday?
1. Very likely
2. Somewhat likely
3. Not that likely
4. Not at all likely
Base: If D3A=0 (Working for someone else)
NEW D36B [S]
How likely would you be to actively look for another job or leave your job if your employer [DOV_36_AMOUNT]?
1. Very likely
2. Somewhat likely
3. Not that likely
4. Not at all likely
Base: If D1A=1 (Working)
NEW D37 [S]
Is your main job the same as it was a year ago?
2. Yes
1. No, changed jobs
0. No, was not working a year ago
Base: If D37=1 (Not in the same job as a year ago)
NEW D38 [BANKED GRID, S ACROSS]
Are each of the following better, the same, or worse at the main job you have now than the one you had a year ago?
DOWN
a. Pay or benefits
b. Opportunities for advancement
c. Your interest in the work
d. Physical demands of the job
e. COVID-19 policies and exposure
f. Work-life balance
ACROSS
1. Better
2. About the same
3. Worse
Base: If D37=1 (Not in the same job as a year ago)
NEW D39 [S]
Overall, is the main job you have now better, the same, or worse than the one you had a year ago?
1. Better
2. About the same
3. Worse
Base: If D1A=1 (Working)
D4 [S]
In addition to your main job, did you have any other jobs last month?
1. Yes
0. No
Base: All respondents
D44 [BANKED GRID, S ACROSS]
[If D1A=1, INSERT: Think about any job in the past 12 months, not just your main job.] In the past 12 months, have you:
DOWN
a. Asked for a raise or a promotion (Display if D1A=1)
b. Received a raise or a promotion (Display if D1A=1)
c. Applied for a new job
d. Started a new job
e. Voluntarily left a job
ACROSS
1. Yes
0. No
Base: All respondents
D44_f [S]
[If D1A=1, INSERT: Think about any job in the past 12 months, not just your main job.] In the past 12 months, have you gotten laid off or lost a job (including a temporary layoff)?
1. Yes
0. No
Base: If L0_a=1 (Married or living with partner)
D5 [S]
Last month, did your [IF L0_a=1, INSERT: spouse or partner] do any work for either pay or profit?
1. Yes
0. No
Gig Economy Section
Base: All respondents
NEW GE2A [BANKED GRID, S ACROSS]
This section will ask some questions about working in the gig and freelance economy.
Some people earn money by selling items at places like flea markets and garage sales or through online marketplaces like eBay or Etsy.
In the past month, have you made money by selling items in any of these ways?
Please do not include selling items on behalf of others as a job.
1. Yes
0. No
Base: If GE2A=1 (Sold items)
GE12 [BANKED GRID, S ACROSS]
Are the items you sold ones that you:
DOWN
a. Made or repurposed, such as handmade crafts
b. Purchased to resell for a profit
c. Previously owned for personal use, such as old clothing
ACROSS
1. Yes
0. No
Base: All respondents
NEW GE2B [BANKED GRID, S ACROSS]
Some people earn money by offering short-term rentals of items or property they own through platforms such as Turo or Airbnb.
In the past month, have you made money from short-term rentals of items or property that you own?
Please do not include renting items on behalf of others.
1. Yes
0. No
Base: All respondents
NEW GE1A [S]
Some people earn money by doing freelance or gig work, where they are paid for specific tasks and have flexibility about when and how to work. Payments are either received directly from customers or through a company that coordinates the service and payments such as Uber, Lyft, or Upwork.
In the past month, have you done any freelance or gig work, either to supplement your income or as your main job?
Please do not include taking KnowledgePanel surveys.
1. Yes
0. No
CREATE [DOV_GIG]:
If GE1A=1 then DOV_Gig="doing freelance or gig work"
If GE1A not equal 1 and (GE2A=1 or GE2B=1) then DOV_Gig="selling or renting items you own"
Base: If GE1A=1 or GE2A=1 or GE2B=1 (Performed gig work or gig sales/rentals)
NEW GE13 [S]
Which of the following best describes why you are [DOV_Gig]?
1. Choice
2. Necessity
Base: If GE1A=1 or GE2A=1 or GE2B=1 (Performed gig work or gig sales/rentals)
GE20A [S]
Did you spend at least 20 hours in the past month [DOV_Gig]?
1. Yes
0. No
Base: If GE1A=1 or GE2A=1 or GE2B=1 (Performed gig work or gig sales/rentals)
GE22 [S]
Do you spend more, about the same, or less time [DOV_Gig]than you did a year ago?
1. More
2. About the same
3. Less
Base: If GE1A=1 (Performed gig work)
NEW GE24 [S]
Do you think that you generally make more, about the same, or less per hour doing freelance or gig work as you could make at a traditional job?
1. More per hour doing freelance or gig work
2. About the same
3. Less per hour doing freelance or gig work
Base: If GE1A=1 or GE2A=1 or GE2B=1 (Performed gig work or gig sales/rentals)
GE40A [S]
In the past month, how much of your income was from [DOV_Gig]?
1. Under 10%
2. 10% to 50%
3. 50% to 90%
4. Over 90%
-2. Don't know
General Housing Section
Base: All respondents
GH1 [S]
This section will ask some questions about your housing situation.
Do you [IF L0_a=1, INSERT: (and/or your spouse or partner) ]:
1. Own your home with a mortgage or loan
2. Own your home free and clear (without a mortgage or loan)
3. Pay rent
4. Neither own nor pay rent
Base: All respondents
GH2 [S]
When did you move into your current home?
1. Before 2020
2. 2020
3. 2021
Base: If GH2=2 or 3 (Moved in 2020 or 2021)
GH7 [S]
Do you live in the same state that you lived in before your move?
1. Yes
0. No
Base: If GH2=2 or 3 (Moved in 2020 or 2021)
GH5 [BANKED GRID, S ACROSS]
Compared with where you lived before your move, would you say that you now live closer to, the same distance from, or farther away from each of the following?
DOWN
a. Extended family
b. Friends
c. Usual workplace [IF D34A=1 or 2, INSERT: outside your home] [Display if D1A==1]
ACROSS
1. Closer
2. Same distance
3. Farther away
Rent Section
Base: If (GH2=2 or 3) (Moved in 2020 or 2021)
R4 [S]
Before your most recent move, did you own your previous home?
0. No
1. Yes, and I still own that home
2. Yes, and I no longer own that home
Base: If (GH2=2 or 3) AND (R4=0 or refused) (Moved recently and did not own previous home)
R5B [BANKED GRID, S ACROSS]
Did each of the following contribute to your moving from your previous home?
DOWN
a. Evicted or received an eviction notice
b. Landlord told you, or a person you were staying with, to leave
c. You missed a rent payment and thought you would be evicted
d. City condemned the property and forced you to leave
ACROSS
1. Yes
0. No
Base: If (GH2=2 or 3) AND (R4=2) (Moved recently and owned previous home)
R5C [BANKED GRID, S ACROSS]
Did each of the following contribute to your moving from your previous home?
DOWN
a. Bank took possession of your home in foreclosure
b. Received a notice from bank that they planned to foreclose
c. Missed mortgage payments and thought bank would foreclose
d. City condemned the property and forced you to leave
ACROSS
1. Yes
0. No
Base: If GH1=3 (Renters)
R3 [S]
About how much do you [IF L0_a=1, INSERT: and/or your spouse or partner ] pay for rent each month?
1. Less than $500
2. $500 to $749
3. $750 to $999
4. $1,000 to $1,249
5. $1,250 to 1,499
6. $1,500 to $1,999
7. $2,000 or above
-2. Don't know
Base: If GH1=3 (Renters)
NEW R11 [S]
Have you been behind on your rent at any time in the past year?
1. Yes
0. No
Base: If R11=1 (Behind on rent in past year)
NEW R12 [S]
Do you still owe money for any back rent or fees?
1. Yes
0. No
Base: If R12=1 (Currently behind on rent)
NEW R13 [text number, 0-99999]
Approximately how much do you owe in back rent and fees?
[Numeric text box]
Base: If R11=1 (Behind on rent in past year)
NEW R14 [S]
Did you apply for emergency rental assistance from any state or local programs since COVID-19 began?
1. Yes
0. No
Base: If R14=0 (Didn't apply for rental assistance)
NEW R15 [BANKED GRID, S ACROSS]
Are each of the following reasons why you have not applied for government rental assistance?
DOWN
a. Didn't know about rental assistance
b. Didn't know how or where to apply
c. Application process was too difficult
d. Didn't have time to apply
e. Didn't want or need help
f. Landlord would not participate
ACROSS
1. Yes
0. No
Base: If R14=1 (Did apply for rental assistance)
NEW R16 [S]
What was the outcome of your application for emergency rental assistance?
1. Received assistance
2. Still waiting to hear
3. Did not receive because I was ineligible for the program
4. Did not receive because program was out of funds
5. Did not receive for some other reason
Base: If GH1=3 (Renters)
NEW R17 [S]
Thinking back before the pandemic, at any point in 2019 were you behind on rent?
1. Yes
0. No
Mortgage Section
Base: If GH1=1 (Homeowners with a mortgage)
M4 [S]
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 $1,999
7. $2,000 or above
-2. Don't know
Base: If GH1=1 (Homeowners with a mortgage)
M5 [S]
Have you refinanced your mortgage in the past year?
1. Yes
0. No
Natural Disasters Section
Base: All respondents
NEW ND1 [BANKED GRID, S ACROSS]
In the past year, have natural disasters or severe weather events like flooding, hurricanes, wildfires, or extreme temperatures affected you in each of the following ways?
DOWN
a. Income loss or work disruption
b. Property damage
c. Needed to evacuate temporarily
d. Longer-term displacement from home
e. Injury or death of family member or close friend
ACROSS
1. Yes
0. No
Base: All respondents
NEW ND2 [S]
Five years from now, do you think that the chance that you will experience a natural disaster or severe weather event will be higher, lower or about the same as it is now?
1. Much higher
2. Somewhat higher
3. About the same
4. Somewhat lower
5. Much lower
Base: All respondents
NEW ND3 [S]
Have natural disasters or the threat of natural disasters affected your choice of where to live?
1. Yes
0. No
Base: All respondents
NEW ND4 [BANKED GRID, S ACROSS]
In the past year, have you done each of the following at least partially because of the threat of natural disasters or severe weather events?
DOWN
a. Investigated other places to live
b. Improved property to reduce risk
c. Purchased additional insurance
ACROSS
1. Yes
0. No
Banking Section
Base: All respondents
BK1 [S]
This section will ask some questions about your experiences with banks and credit.
Do you [IF L0_a=1, INSERT: and/or your spouse or partner ] currently have a checking, savings or money market account?
1. Yes
0. No
Base: All respondents
BK2 [BANKED GRID, S ACROSS]
In the past 12 months, did you [IF L0_a=1, INSERT: and/or your spouse or partner ]:
DOWN
a. Purchase a money order from a place other than a bank
b. Cash a check at a place other than a bank
c. Take out a payday loan or payday advance
d. Take out a pawn shop loan or an auto title loan
e. Obtain a tax refund advance to receive your refund faster
f. Pay an overdraft fee on a bank account [IF BK1 = 1]
ACROSS
1. Yes
0. No
Credit Application Section
Base: All respondents
A6 [S]
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
Base: All respondents
A0 [S]
In the past 12 months, have you 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
Base: If A0=0 (Did not apply for credit)
A0B [S]
Was there a time in the past 12 months that you desired credit but chose not to submit a credit application?
1. Yes
0. No
Base: If A0=1 OR Refused (Applied for credit)
A1 [BANKED GRID, S ACROSS]
In the past 12 months, has each of the following happened to you:
DOWN
a. Turned down for credit
b. Approved for credit, but were not given as much credit as you applied for
c. Put off applying for credit because you thought you might be turned down
ACROSS
1. Yes
0. No
Base: If A0B=1 (Did not apply for credit but desired credit)
A2 [S]
You indicated that you 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
Credit Condition Section
Base: All respondents
C2A [S]
Do you currently have at least one credit card?
1. Yes
0. No
Base: If C2A=1 or refused (Has a credit card)
C3 [S]
Do you currently have any outstanding unpaid credit card debt?
1. Yes
0. No
Base: If C3=1 or refused (Has outstanding credit card debt)
C3A [S]
Do you 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
Base: If C3=0 (Does not have outstanding credit card debt)
C3B [S]
12 months ago, did you have any credit card debt that you have since paid off?
1. Yes
0. No
Base: If C2A=1 or refused (Has a credit card)
C4A [S]
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
Base: All respondents
NEW BNPL1 [S]
In the past year, have you used a "Buy Now Pay Later" service to buy something? Buy Now Pay Later may be offered as a payment option when you are checking out and lets you make payments over time. Some examples include Affirm, Klarna, and Afterpay.
We are NOT asking about purchases made directly with credit cards, layaway, or rent-to-own services.
1. Yes
0. No
Base: If BNPL1=1 (Has used a BNPL service in the past year)
NEW BNPL2 [S]
Currently, how many different purchases using a Buy Now Pay Later service are you making payments on?
0. None
1. 1
2. 2
3. 3 or more
Base: If BNPL1=1 (Has used a BNPL service in the past year)
NEW BNPL3 [S]
In the past year, have you ever been late making a payment for something you bought using a Buy Now Pay Later service?
1. Yes
0. No
Base: If BNPL1=1 (Has used a BNPL service in the past year)
NEW BNPL4 [BANKED GRID, S ACROSS]
Thinking about the most recent time you used a Buy Now Pay Later service, why did you choose to finance the purchase in this way?
DOWN
a. Cheaper
b. More convenient
c. Only way I could afford it
d. Only accepted payment method I had
e. Did not want to use a credit card
f. Other (please specify) [text box]
ACROSS
1. Yes
0. No
Education Section
Base: All respondents
ED0 [S]
This section will ask about your education and experiences with student loans.
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"
Base: All respondents
D1G [S]
Are you currently enrolled as a student?
2. Yes, as a full-time student
1. Yes, as a part-time student
0. No
Base: If D1G=1 or 2 (Current student)
ED0B [S]
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
Base: If D1G=1 or 2 (Current student)
NEW ED24 [S]
Over the current semester, how have you been taking classes?
1. In person only
2. Online only
3. Both in person and online
Base: If D1G=1 or 2 (Current student)
NEW ED25 [S]
How would you prefer to take classes, given the current situation with the pandemic?
1. In person only
2. Online only
3. Both in person and online
Base: If D1G=1 or 2 (Current student)
NEW ED26 [S]
Thinking about the precautions your school is taking to prevent the spread of COVID-19, do you think they are taking:
1. Not enough precautions
2. About the right amount of precautions
3. Too many precautions
Base: If (ED0=2) and (D1G=0) (High school only and not enrolled in college)
ED0D [S]
Have you ever enrolled in an educational degree program beyond high school?
1. Yes
0. No
CREATE DOV_EDRECODE:
IF ED0=2 AND (ED0B>=3 OR ED0D=1) THEN DOV_ EDRECODE=3.
Else DOV_EDRECODE=response value from ED0.
Base: If DOV_EDRECODE>=3 (Any education beyond high school)
ED1 [S]
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/arts
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
Base: If DOV_EDRECODE=3 or 4 (Some college or certificate)
ED2A [DROPDOWN]
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"]
Base: If ED2A is answered
ED2B [DROPDOWN]
What is the name of the school you [IF D1G=1 OR D1G=2, INSERT: currently attend / IF D1G=0 OR D1G=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]
Base: If DOV_EDRECODE=3 or 4 (Some college or certificate)
ED5 [S]
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 costs?
1. Financial benefits are much larger
2. Financial benefits are somewhat larger
3. About the same
4. Financial costs are somewhat larger
5. Financial costs are much larger
Base: If (DOV_EDRECODE=3 or 4) and (D1G=0 or D1G=refused) (Some college or certificate, not enrolled)
ED6 [BANKED GRID, S ACROSS]
If you could go back and make your education decisions again, would you have done each of these things:
DOWN
a. Chosen a different field of study
b. Attended a different school
c. Not attended college or completed less education
d. Completed more education
ACROSS
1. Yes
0. No
Base: If (ED0=5, 6, 7, 8, or 9) (Associate degree or above)
ED7A [DROPDOWN]
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"]
Base: If ED7A is answered
ED7B [DROPDOWN]
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]
Base: If ED0=5, 6, 7, 8, or 9 (Associate degree or above)
ED10 [S]
Overall, how would you say the lifetime financial benefits of your [DOV_ED] program compare to its costs?
1. Financial benefits are much larger
2. Financial benefits are somewhat larger
3. About the same
4. Financial costs are somewhat larger
5. Financial costs are much larger
Base: If ED0=5, 6, 7, 8, or 9 (Associate degree or above)
ED11 [BANKED GRID, S ACROSS]
If you could go back and make decisions regarding your [DOV_ED] again, would you have done each of these things:
DOWN
a. Chosen a different field of study
b. Attended a different school
c. Not attended college or completed less education
d. Completed more education
ACROSS
1. Yes
0. No
Base: If DOV_EDRECODE=2 and (PPAGE<=40) (Completed high school. Did not attend college)
ED13 [BANKED GRID, S ACROSS]
Are each of the following a reason why you did not attend college?
DOWN
a. Too expensive
b. Childcare responsibilities
c. Needed to earn money or support family
d. Preferred to work
e. Did not think benefits of college were worth the cost
f. Illness or health issues
ACROSS
1. Yes
0. No
Base: If DOV_EDRECODE=3 and (D1G=0 or D1G=refused) and (PPAGE<=40) (Attended college and not enrolled. Did not complete)
ED14 [BANKED GRID, S ACROSS]
Are each of the following a reason why you did not complete your college degree?
DOWN
a. Too expensive
b. Childcare responsibilities
c. Needed to earn money or support family
d. Preferred to work
e. Did not think the benefits of college were worth the cost
f. Illness or health issues
g. Low grades
ACROSS
1. Yes
0. No
Student Loans Section
Base: All respondents
SL1 [S]
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
Base: If SL1=1 (Has a student loan for own education)
SL2 [BANKED GRID, S ACROSS]
Think about the money you currently owe for your own education. Is this money you owe for that education on a:
Suppress default instructions, instead show: If you have multiple loans for your education, please select all that apply.
DOWN
a. Student loan
b. Home equity loan
c. Credit card
d. Other loan
ACROSS
1. Yes
0. No
Base: If SL1=1 (Has a student loan for own education)
SL3 [S]
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
Base: If SL1=1 (Has a student loan for own education)
SL4 [S]
Approximately how much is the total monthly payment that you are required to make on the loans from your education?
Suppress default instructions, instead show: Please only include the amount that you are paying, and not money that is paid by others on your behalf.
1. I am not currently required to make any payments on these loans
2. $1 to $99
3. $100 to $199
4. $200 to $299
5. $300 to $399
6. $400 to $499
7. $500 to $999
8. $1,000 or above
-2. Don't know
Base: If SL1=1 (Has a student loan for own education)
SL6 [S]
Are you behind on payments or in collections for one or more of the loans from your own education?
1. Yes
0. No
Base: If SL1=0 or refused (Does not have a student loan for own education)
SL7 [S]
Did you borrow money or take out any loans to pay for your own education that you have since repaid?
1. Yes
0. No
Base: If SL1=1 or SL7=1 (Has or had a student loan for own education)
SL8 [BANKED GRID, S ACROSS]
Still thinking about your own education, did you borrow money for each of the following educational programs (including any repaid loans or 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
Base: If L0_A=1 (Married or living with a partner)
SL10 [S]
Do you currently owe any money used to pay for your [IF L0_a=1, INSERT: spouse's or 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
Base: If PPAGE>=30
SL11 [S]
Do you currently owe any money used to pay for your child's 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
Base: If SL11=1 (Has a student loan for a child's or grandchild's education)
SL12 [BANKED GRID, S ACROSS]
Is the money you owe for your child's or grandchild's education a student loan, 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
ACROSS
1. Yes
0. No
Retirement Section
Base: All respondents
D1I [S]
This section will ask some questions about your planning and savings for retirement.
Do you consider yourself to be retired?
1. Yes
0. No
Base: If (D1I ne 1) (Not retired)
K0 [S]
Do you think that your retirement savings plan is currently on track?
1. Yes
0. No
-2. Don't know
Base: If (D1I ne 1) (Not retired)
K2 [BANKED GRID, S ACROSS]
Do you currently have each of the following types of retirement savings?
DOWN
a. 401(k), 403(b), Keogh, or other defined contribution plan through an employer
b. Pension with a defined benefit through an employer that will pay a fixed monthly amount in retirement
c. IRA or Roth IRA
d. Savings outside a retirement account
e. Own a business or real estate that will provide income in retirement
f. Other retirement savings
ACROSS
1. Yes
0. No
Base: If (D1I=1) (Retired)
K8B [S]
When did you retire?
1. Within the past year
2. 1 or 2 years ago
3. 3 or 4 years ago
4. 5 years ago or more
Base: If (D1I=1) (Retired)
K9 [BANKED GRID, S ACROSS]
Were each of the following important to your decision to retire at the age that you did?
DOWN
a. Health problem
b. Wanted to do other things or spend time with family
c. Didn't like the work
d. Care for family members
e. Reached normal retirement age
f. Forced to retire or lack of available work
ACROSS
1. Yes
0. No
Base: If (K8B=1 or 2) (Retired in the past two years)
K10 [S]
Did factors related to COVID-19 contribute to you retiring when you did?
1. Yes
0. No
Base: If D1I=1 OR (K2_a, K2_c, K2_d, or K2_f=1) (Retired OR (Not retired and has self-directed retirement savings))
K20 [S]
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
Base: If (K2_a, K2_c, K2_d, or K2_f=1) (Not retired, Has self-directed retirement savings)
DC4 [S]
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
Base: If D1I NE 1 (Not retired)
K5A [S]
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
Income and Consumption Section
Base: All respondents
I0 [BANKED GRID, S ACROSS]
This section will ask some questions about your savings, expenses, and sources of income.
In the past 12 months, did you [IF L0_a=1, INSERT: and/or your spouse or partner ]receive any income from the following sources:
DOWN
a. Wages, salaries, or self-employment income
b. Interest, dividends, or rental income
c. Social Security (including old age and DI)
d. Supplemental Security Income (SSI), TANF, or cash assistance from a welfare program
e. Unemployment income
f. Pension
ACROSS
1. Yes
0. No
Base: If ALL I0_a through I0_f=0 or refused (No income sources listed)
I0A [S]
Did you [IF L0_a=1, INSERT: and/or your spouse or partner ] receive any income from any source in the past 12 months?
1. Yes
0. No
Base: If I0=1 for any response OR I0A=1 or refused (Report having any income)
I40 [S; prompt once]
Which of the following categories best describes the total income that you [IF L0_a=1, INSERT: and/or your spouse or 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
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."
Base: All respondents
I41 [BANKED GRID, S ACROSS]
In the past 12 months, have you [IF L0_a=1, INSERT: and/or your spouse or partner ] received any of the following?
DOWN
a. Earned Income Tax Credit (EITC)
b. Supplemental Nutrition Assistance Program (SNAP or food stamps)
c. Women, Infants, and Children (WIC) nutrition program benefits [ Display if L0_b=1]
d. Housing assistance from government program
e. Free or reduced price school lunches [Display if L0_b=1]
ACROSS
1. Yes
0. No
Base: All respondents
I9 [S]
In the past 12 months, which one of the following best describes your [IF L0_a=1, INSERT: and your spouse's or 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
Base: If (I9=2 or 3) (Income varies occasionally or quite often from month to month)
I12 [S]
Because your income varies, have you [IF L0_a=1, INSERT: and your spouse or partner ] struggled to pay your bills in the past 12 months?
1. Yes
0. No
Base: All respondents
I20 [S]
In the past month, would you say that your [IF L0_a=1, INSERT: and your spouse's or partner's ] total spending was:
3. More than your income
2. The same as your income
1. Less than your income
Base: All respondents
I21 [BANKED GRID, S ACROSS]
Compared to a year ago, have each of the following [IF L0_a=1, INSERT: for you and your spouse or partner ] increased, decreased, or stayed about the same?
DOWN
a. Total monthly income
b. Total monthly spending
ACROSS
3. Increased
2. About the same
1. Decreased
Base: If I0_e=1 (Received unemployment insurance benefits)
NEW I23 [BANKED GRID, S ACROSS]
You indicated that you received income from unemployment insurance in the past year. Did you learn about your eligibility for these benefits from each of the following sources?
DOWN
a. Employer
b. Union
c. Friends or family
d. Internet research
e. News stories
f. Government agency
ACROSS
1. Yes
0. No
Base: If L0_b=1 (Children under age 18)
NEW CTC1 [S]
Many parents have received monthly Child Tax Credit payments since July 2021. These payments of up to $300 per child per month generally are received as a direct deposit into a bank account or as a monthly check.
Have you received any monthly Child Tax Credit payments this year?
1. Yes
0. No
-2. Don't know
Base: If CTC1=1 (Received Child Tax Credit)
NEW CTC2 [M]
Randomize if a and b appear before item c or after item g (keep order of c to g intact).
How have you used the monthly Child Tax Credit payments that you received?
Suppress default instructions, instead show: Please select all that apply.
a. Paid off debt
b. Saved it
c. Spent on food
d. Spent on enrichment or education for child
e. Spent on other things for child
f. Spent on rent, mortgage, or utilities
g. Spent on other things
Base: Multiple items checked in CTC2
NEW CTC3 [S]
How did you use the largest portion of the monthly Child Tax Credit payments that you received?
1. Paid off debt
2. Saved it
3. Spent on food
4. Spent on enrichment or education for child
5. Spent on other things for child
6. Spent on rent, mortgage, or utilities
7. Spent on other things
Financial Support from Outside the Home Section
Base: All respondents
FS11 [BANKED GRID, S ACROSS]
In the past year, have you [IF L0_a=1, INSERT: and/or your spouse or partner ] received each of the following?
DOWN
a. Free groceries or meals through a food pantry, religious, or community organization
b. Financial assistance from a religious or community organization
c. Financial assistance from friends or family members not living with you
ACROSS
1. Yes
0. No
Base: All respondents
FS40 [S]
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
0. No
Investing and Gambling Section
Base: All respondents
NEW S15 [S]
Do you own any individual stock in publicly traded companies directly (i.e., not through a mutual fund or exchange traded fund (ETF))? Please also include any in stock held in a 401(k) or other pension plan.
1. Yes
0. No
-2. Don't know
Base: S15=1 (Owns publicly traded stock)
NEW S15A [S]
When did you first own individual stock in a publicly traded company?
1. 2021
2. 2020
3. 2019
4. Before 2019
Base: All respondents
NEW S16 [BANKED GRID, S ACROSS]
In the past year, have you done the following with cryptocurrency, such as Bitcoin or Ethereum?
DOWN
a. Bought or held as an investment
b. Used to buy something or make a payment
c. Used to send money to friends or family
ACROSS
1. Yes
0. No
Base: All respondents
NEW S17 [BANKED GRID, S ACROSS]
In the past year, did you:
DOWN
a. Spend any money on state lotteries, for example, buying Mega Millions, Powerball, or scratch tickets?
b. Participate in online sports gambling or online casino games?
c. Participate in gambling in person, such as at horse tracks, card rooms, bingo parlors, or casinos?
ACROSS
1. Yes
0. No
Emergency Fund Section
Base: All respondents
EF1 [S]
This section will ask some questions about your emergency savings, insurance, and economic hardships.
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
Base: If EF1=0 or refused (Does not have 3 months emergency fund)
EF2 [S]
If you were to lose your main source of income (for example job or government benefits), could you cover your expenses for 3 months by borrowing money, using savings, or selling assets?
1. Yes
0. No
Base: All respondents
EF3 [M]
Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense?
Suppress default instructions, instead show: 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
Base: All respondents
EF5A [S]
Which best describes your ability to pay all of your bills in full this month?
1. Able to pay all bills
0. Can't pay some bills
Base: If EF5A=1 (Able to pay all bills this month)
EF5B [S]
How would a $400 emergency expense that you had to pay impact your ability to pay your other bills this month?
1. Would still be able to pay all bills
0. Could not pay some bills
Base: If EF5A=0 (Unable to pay all bills this month)
EF6A [BANKED GRID, S ACROSS]
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 bills
ACROSS
1. Yes
0. No
Base: If EF5B=0 (Unable to pay all bills this month if faced with a $400 expense)
EF6B [BANKED GRID, S ACROSS]
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 bills
ACROSS
1. Yes
0. No
Health and Insurance Section
Base: All respondents
NEW VAC1 [S]
Have you received at least one dose of a COVID-19 vaccine?
1. Yes
0. No
Base: All respondents
NEW VAC2 [BANKED GRID, S ACROSS]
Please indicate the extent to which you either agree or disagree with each of the following statements.
DOWN
a. I am completely confident that the COVID-19 vaccine is safe
b. The COVID-19 vaccine is effective
c. The COVID-19 vaccine is unnecessary for me
d. For me, it is inconvenient to get the COVID-19 vaccine
e. When I think about getting vaccinated, I weigh the benefits and risks to make the best decision possible
f. My getting vaccinated protects other people with a weaker immune system
ACROSS
1. Strongly disagree
2. Slightly disagree
3. Neither agree nor disagree
4. Slightly agree
5. Strongly agree
Base: All respondents
E1 [BANKED GRID, S ACROSS]
During the past 12 months, was there a time when you needed each of the following, but went without because you couldn't afford it?
DOWN
a. Prescription medicine
b. Seeing a doctor or specialist
c. Mental health care or counseling
d. Dental care
e. Follow-up care
ACROSS
1. Yes
0. No
Base: All respondents
E2 [S]
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
Base: If E2=1 (Had major medical expense)
E2A [S]
Approximately how much did you pay out of pocket for unexpected major medical expenses in the past 12 months?
1. $1 to $499
2. $500 to $999
3. $1,000 to $1,999
4. $2,000 to $4,999
5. $5,000 or higher
-2. Don't know
Base: All respondents
E2B [S]
Do you currently have any debt from medical care you or your family members have received?
1. Yes
0. No
Base: All respondents
E4 [BANKED GRID, S ACROSS]
Are you currently covered by any of the following types of health insurance or health coverage plans?
DOWN
a. Insurance through an employer or union
b. Insurance purchased directly from an insurance company
c. Medicare or Medicaid
d. TRICARE, VA, or other military or veteran's health care
e. Insurance purchased through a health insurance exchange
f. Any other health insurance
ACROSS
1. Yes
0. No
Base: All respondents
E6C [S]
Do you or someone in your immediate family currently have any unpaid legal expenses, fines, fees, or court costs?
1. Yes
0. No
Base: All respondents
E7 [S]
During the past 12 months, have you personally experienced discrimination or unfair treatment because of your race, ethnicity, age, religion, disability status, sexual orientation, gender, or gender identity?
1. Yes
0. No
Base: If E7=1 (Experienced discrimination)
E8 [BANKED GRID, S ACROSS]
In the past 12 months, did you personally experience discrimination or unfair treatment while doing any of the following?
DOWN
a. Working or applying for a job
b. Banking or applying for a loan
c. Interacting with the police or a government official
d. Receiving or scheduling medical care
e. Renting or buying a home
f. Shopping for goods or services, including restaurants
g. Other activities not listed (please specify) [text box]
ACROSS
1. Yes
0. No
Base: If E7=1 (Experienced discrimination)
E9 [BANKED GRID, S ACROSS]
In the past 12 months, did you personally experience discrimination due to each of the following characteristics?
DOWN
a. Race or ethnicity
b. Age
c. Religion
d. Disability status
e. Gender
f. Sexual orientation
ACROSS
1. Yes
0. No
Childhood Background Section
Base: If X2019=2 and X2020=2 (Did not participate in the survey in the past 2 years)
CH2 [S]
We are interested in a few characteristics of your parents.
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
Base: If X2019=2 and X2020=2 (Did not participate in the survey in the past 2 years)
CH3 [S]
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
CREATE [DOV_FL]:
0 for 1/2 of sample
1 for 1/2 of sample
Base: All respondents
FL0 [S]
Finally, we have a few questions about your views on finances and the economy.
Some people are fully prepared to take financial risks when they save or make investments, while others try to avoid taking financial risks.
On a scale from zero to ten, where zero is not at all willing to take risks and ten is very willing to take risks, what number would you be on the scale?
0. Not at all willing to take financial risks
1.
2.
3.
4.
5.
6.
7.
8.
9.
10. Very willing to take financial risks
Base: All respondents
FL2 [S]
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 [Display if DOV_FL=1]
Base: All respondents
FL4 [S]
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 [Display if DOV_FL=1]
Base: All respondents
FL5 [S]
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 [Display if DOV_FL=1]