The Fed - Supplemental Appendixes to the Report on the Economic Well-Being of U.S. Households in 2022 - May 2023

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Appendix A: Survey Questionnaire Appendix B: Consumer Responses to Survey Questions

Appendix B: Consumer Responses to Survey Questions

Questions are listed below in order in which they were presented to respondents. Questions with fewer than 11,667 respondents were not asked to the full sample, and the question-specific screening criteria are available in appendix A. All data are weighted to yield estimates for the U.S. adult population.

Living Arrangements Section

Question L0. First, do each of the following people currently live with you?

Response	Percent
My spouse or partner	65
My child(ren) under age 18	26
My adult child(ren) age 18 or older	17
My parent(s)	14
Other individuals	14

Note: Number of unweighted respondents = 11,667.

Question L0A. Are the adult children (who are age 18 or older) who live with you:

Response	Percent
All currently enrolled in school	29
One or more not currently enrolled in school	71

Note: Number of unweighted respondents = 1,925.

Question L0B. Other than your spouse or partner, children, or parents, are the people living with you:

Response	Percent
Your brother(s) or sister(s)	47
Other relatives	34
Other people not related to you	34

Note: Number of unweighted respondents = 1,356.

Question L0C. How many children do you have who are under age 18 and currently live with you?

Response	Percent
1	43
2	38
3	13
4	4
5	2
6	1
7 or more	1

Note: Number of unweighted respondents = 2,717.

Question L0D. How old are your (6 youngest) children under age 18 who currently live with you?

Age of youngest child	Percent
0 - 5	39
6 - 12	34
13 - 17	27

Note: Number of unweighted respondents = 2,717. The question asked the ages of all children (up to the 6 youngest for those with 7 or more children). Only the age of the youngest child is included here.

Question L1. You indicated that you live with (your parents/your adult children who are not in school). Are each of the following reasons why you live with them?

Response	Percent
To save money	65
To help them financially	53
To provide help with childcare or medical care	19
To receive help with childcare or medical care	12
Prefer living with others	30

Note: Number of unweighted respondents = 2,454.

General Well-Being Section

Question B2. Overall, which one of the following best describes how well you are managing financially these days?

Response	Percent
Finding it difficult to get by	8
Just getting by	19
Doing okay	39
Living comfortably	34

Note: Number of unweighted respondents = 11,667.

Question B3. Compared to 12 months ago, would you say that you (and your family) are better off, the same, or worse off financially?

Response	Percent
Much worse off	8
Somewhat worse off	26
About the same	46
Somewhat better off	14
Much better off	5

Note: Number of unweighted respondents = 11,667.

Question B6. 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?

Response	Percent
Much worse off	8
Somewhat worse off	16
About the same	22
Somewhat better off	30
Much better off	24

Note: Number of unweighted respondents = 11,667.

Question B7. How would you rate economic conditions today:

Response	Percent
Response	Poor	Only fair	Good	Excellent
Subquestion
In your community	19	43	36	3
In this country	36	47	17	1

Note: Number of unweighted respondents = 11,667.

Question B10. 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?

Response	Percent
0 - Not at all satisfied	3
1	1
2	3
3	6
4	6
5	14
6	11
7	20
8	21
9	9
10 - Completely satisfied	6

Note: Number of unweighted respondents = 11,667.

Employment Section

Question D1A. Last month, did you do any work for either pay or profit?

Response	Percent
No	39
Yes	61

Note: Number of unweighted respondents = 11,667.

Question D1E. At any time during the past month, did you want to work (more hours)?

Response	Percent
No	69
Yes	31

Note: Number of unweighted respondents = 11,667.

Question D22. Did each of the following contribute to you not working last month?

Response	Percent
Could not find work	13
Childcare	7
Other family or personal obligations	17
Would lose access to unemployment benefits or other government programs	8
Concerned about getting COVID-19	12
Health limitations or disability	29
In school or training	7
Retired	54

Note: Number of unweighted respondents = 4,876.

Question D3A. Think about your main job (the job from which you earned the most money in the past month). In this job, were you working for someone else, self-employed, or something else?

Response	Percent
Working for someone else	87
Self-employed (working for myself)	11
Other work arrangement	2

Note: Number of unweighted respondents = 6,791.

Question D3B. Still thinking about your main job, do you usually work:

Response	Percent
Full-time (35 or more hours per week)	76
Part-time (less than 35 hours per week)	24

Note: Number of unweighted respondents = 6,791.

Question D28. At your main job, how often do each of these statements describe your work situation?

Subquestion	Percent
Subquestion	Never	Rarely	Sometimes	Often	Always
I can choose what tasks I work on	12	18	32	27	10
I can choose how I complete tasks at work	7	10	25	37	21

Note: Number of unweighted respondents = 5,879.

Question 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?

Response	Percent
Normally work the same hours	73
Schedule varies, primarily at my request	11
Schedule varies, primarily based on my employer's needs	16

Note: Number of unweighted respondents = 5,879.

Question D31. Approximately how far in advance does your employer usually tell you the hours that you will need to work on any given day?

Response	Percent
One day in advance or less (including on call)	35
2 to 3 days in advance	15
4 to 6 days in advance	15
1 to 2 weeks in advance	20
3 weeks in advance or longer	14

Note: Number of unweighted respondents = 909.

Question D33. A temporary job lasts for a limited time or until the end of a project. Is your main job a temporary job?

Response	Percent
Don't know	3
No	90
Yes	7

Note: Number of unweighted respondents = 6,791.

Question D47. Some employers restrict what their employees can do if they leave their job. In your main job, did you agree that if you leave your employer, you will not start or work for a competing business? This is often called a non-compete agreement.

Response	Percent
Don't know	9
No	81
Yes	10

Note: Number of unweighted respondents = 6,791.

Question D34A. Thinking about the work you did last week, how much of it did you do by telecommuting or working from home?

Response	Percent
None	60
Some	20
All	21

Note: Number of unweighted respondents = 6,791.

Question D34B. Could your work be done by telecommuting or working from home at least some of the time if your employer would let you?

Response	Percent
No	78
Yes	22

Note: Number of unweighted respondents = 3,515.

Question D34C. Given a choice, how much of the time would you like to telecommute or work from home each week?

Response	Percent
None	8
Some	49
All	42

Note: Number of unweighted respondents = 3,225.

Question D35. Are each of the following a reason that you want to telecommute or work from home, at least some of the time?

Response	Percent
Less time commuting	89
More productive working at home	72
Concerns about COVID-19	40
Work-life balance	91
Able to live in a different area	47

Note: Number of unweighted respondents = 2,934.

Question D36A. 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?

Response	Percent
Very likely	28
Somewhat likely	27
Not that likely	27
Not at all likely	18

Note: Number of unweighted respondents = 2,364.

Question D36B. How likely would you be to actively look for another job or leave your job if your employer (kept your pay the same for a year/decreased your pay by 1 percent/ 5 percent/10 percent)?

Subquestion	Percent
Subquestion	Very likely	Somewhat likely	Not that likely	Not at all likely
Kept your pay the same for a year	16	31	34	19
Decreased your pay by 1 percent	22	30	31	17
Decreased your pay by 5 percent	39	31	22	8
Decreased your pay by 10 percent	48	29	14	8

Note: Number of unweighted respondents = 5,879.

Question D4. In addition to your main job, did you have any other jobs last month?

Response	Percent
No	88
Yes	12

Note: Number of unweighted respondents = 6,791.

Question D44_f. 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)?

Response	Percent
No	95
Yes	5

Note: Number of unweighted respondents = 11,667.

Question D44. Think about any job in the past 12 months, not just your main job. In the past 12 months, have you:

Response	Percent
Asked for a raise or a promotion	21
Received a raise or a promotion	54
Applied for a new job	23
Started a new job	15
Voluntarily left a job	11

Note: Number of unweighted respondents = 11,667 (differs by response, because not all responses apply to all respondents).

Question D37A. You indicated that you started a new job in the past 12 months. Is your main job (where you earn the most money) the same as it was a year ago?

Response	Percent
Different main job – new employer	57
Different main job – same employer	13
Same main job – started a second job	13
Was not working a year ago	12
Other	4

Note: Number of unweighted respondents = 1,364.

Question D38. 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?

Response	Percent
Response	Better	About the same	Worse
Pay or benefits	63	24	12
Opportunities for advancement	51	39	10
Your interest in the work	55	37	8
Physical demands of the job	34	57	9
COVID-19 policies and exposure	26	66	8
Work-life balance	43	43	14

Note: Number of unweighted respondents = 971.

Question D39. Overall, is the main job you have now better, the same, or worse than the one you had a year ago?

Response	Percent
Better	72
About the same	21
Worse	6

Note: Number of unweighted respondents = 971.

Question D5. Last month, did your spouse or partner do any work for either pay or profit?

Response	Percent
No	37
Yes	63

Note: Number of unweighted respondents = 7,758.

Gig Economy Section

Question GE2A. 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?

Response	Percent
No	89
Yes	11

Note: Number of unweighted respondents = 11,667.

Question GE12. Are the items you sold ones that you:

Response	Percent
Made or repurposed, such as handmade crafts	20
Purchased to resell for a profit	32
Previously owned for personal use, such as old clothing	76

Note: Number of unweighted respondents = 1,201.

Question GE2B. 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?

Response	Percent
No	98
Yes	2

Note: Number of unweighted respondents = 11,667.

Question GE1A. 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.

Response	Percent
No	94
Yes	6

Note: Number of unweighted respondents = 11,667.

Question GE20A. Did you spend at least 20 hours in the past month (doing freelance or gig work/selling or renting items you own)?

Response	Percent
No	71
Yes	29

Note: Number of unweighted respondents = 1,784.

Question GE22. Do you spend more, about the same, or less time (doing freelance or gig work/selling or renting items you own) than you did a year ago?

Response	Percent
More	26
About the same	50
Less	23

Note: Number of unweighted respondents = 1,784.

Question GE24. 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?

Response	Percent
More per hour doing freelance or gig work	33
About the same	27
Less per hour doing freelance or gig work	41

Note: Number of unweighted respondents = 652.

Question GE40A. In the past month, how much of your income was from (doing freelance or gig work/selling or renting items you own)?

Response	Percent
Don't know	10
Under 10%	64
10% to 50%	14
50% to 90%	5
Over 90%	6

Note: Number of unweighted respondents = 1,784.

Housing Section

Question GH1. Do you (and/or your spouse or partner):

Response	Percent
Own your home with a mortgage or loan	42
Own your home free and clear (without a mortgage or loan)	21
Pay rent	27
Neither own nor pay rent	10

Note: Number of unweighted respondents = 11,667.

Question R1. Are each of the following a reason why you rent your home rather than own?

Response	Percent
Renting is cheaper	42
Renting is less financially risky	42
Renting is more convenient or flexible	56
Trying to buy	32
Can't qualify for home mortgage	40
Can't afford down payment to buy	65
Can't afford mortgage monthly payment	44
Prefer to rent	36

Note: Number of unweighted respondents = 2,931.

Question GH2. When did you move into your current home?

Response	Percent
Before 2021	84
2021	8
2022	8

Note: Number of unweighted respondents = 11,667.

Question GH7. Do you live in the same state that you lived in before your move?

Response	Percent
No	26
Yes	74

Note: Number of unweighted respondents = 1,760.

Question R4. Before your most recent move, did you own your previous home?

Response	Percent
No	70
Yes, and I still own that home	8
Yes, and I no longer own that home	22

Note: Number of unweighted respondents = 903.

Question R5B. Did each of the following contribute to your moving in the past year?

Response	Percent
Evicted or received an eviction notice	6
Landlord told you, or a person you were staying with, to leave	10
You missed a rent payment and thought you would be evicted	4
City condemned the property and forced you to leave	1

Note: Number of unweighted respondents = 620.

Question R5E. Was the main reason that you moved in the past year because of rent increases at your previous home or apartment?

Response	Percent
No	80
Yes	20

Note: Number of unweighted respondents = 539.

Question R5C. Did each of the following contribute to your moving in the past year?

Response	Percent
Bank took possession of your home in foreclosure	1
Received a notice from bank that they planned to foreclose	2
Missed mortgage payments and thought bank would foreclose	2
City condemned the property and forced you to leave	1

Note: Number of unweighted respondents = 213.

Question R3. Approximately how much do you (and/or your spouse or partner) pay for rent each month?

	Dollar amount
Mean	1,176
Median	1,000

Note: Number of unweighted respondents = 2,917 (excluding respondents who entered a value of 0).

Question R11. Have you been behind on your rent at any time in the past year?

Response	Percent
No	83
Yes	17

Note: Number of unweighted respondents = 2,931.

Question R12. Do you still owe money for any back rent or fees?

Response	Percent
No	55
Yes	45

Note: Number of unweighted respondents = 456.

Question R13. Approximately how much do you owe in back rent and fees?

	Dollar amount
Mean	1,874
Median	1,200

Note: Number of unweighted respondents = 198 (excluding respondents who entered a value of 0).

Question M4. Approximately how much is your total monthly mortgage payment (i.e. the amount you send to the bank)?

	Dollar amount
Mean	1,611
Median	1,400

Note: Number of unweighted respondents = 4,918 (excluding respondents who entered a value of 0).

Natural Disasters Section

Question ND1. 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?

Response	Percent
Income loss or work disruption	5
Property damage	7
Needed to evacuate temporarily	2
Longer-term displacement from home	1
Injury or death of family member or close friend	3

Note: Number of unweighted respondents = 11,667.

Question ND2. 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?

Response	Percent
Much higher	9
Somewhat higher	24
About the same	62
Somewhat lower	2
Much lower	3

Note: Number of unweighted respondents = 11,667.

Question ND3. Have natural disasters or the threat of natural disasters affected your choice of where to live?

Response	Percent
No	78
Yes	22

Note: Number of unweighted respondents = 11,667.

Question ND4. 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?

Response	Percent
Investigated other places to live	12
Improved property to reduce risk	14
Purchased additional insurance	5

Note: Number of unweighted respondents = 11,667.

Automobile Section

Question AL0A. Do you own, lease, or have regular access to a car, truck, van or sport utility vehicle (SUV)?

Response	Percent
No	14
Yes	86

Note: Number of unweighted respondents = 11,667.

Banking Section

Question BK1. Do you (and/or your spouse or partner) currently have a checking, savings or money market account?

Response	Percent
No	6
Yes	94

Note: Number of unweighted respondents = 11,667.

Question BK2. In the past 12 months, did you (and/or your spouse or partner):

Response	Percent
Purchase a money order from a place other than a bank	9
Cash a check at a place other than a bank	7
Take out a payday loan or payday advance	3
Take out a pawn shop loan or an auto title loan	2
Obtain a tax refund advance to receive your refund faster	1
Pay an overdraft fee on a bank account	11

Note: Number of unweighted respondents = 11,667 (differs by response, because not all responses apply to all respondents).

Credit Application Section

Question A6. If you were to apply for a credit card today, how confident are you that your application would be approved?

Response	Percent
Don't know	5
Very confident	63
Somewhat confident	19
Not confident	14

Note: Number of unweighted respondents = 11,667.

Question A0. 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)?

Response	Percent
No	65
Yes	35

Note: Number of unweighted respondents = 11,667.

Question A7. Have you applied for each of the following types of credit in the past 12 months?

Response	Percent
Credit card	69
Car/auto loan	24
Student loan	7
Mortgage (purchase or refinance)	16
Home equity loan or line of credit	6
Other credit or loan	20

Note: Number of unweighted respondents = 4,016.

Question A0B. Was there a time in the past 12 months that you desired credit but chose not to submit a credit application?

Response	Percent
No	90
Yes	10

Note: Number of unweighted respondents = 7,651.

Question A1. In the past 12 months, has each of the following happened to you:

Response	Percent
Turned down for credit	24
Approved for credit, but were not given as much credit as you applied for	16
Put off applying for credit because you thought you might be turned down	18

Note: Number of unweighted respondents = 4,016.

Question A8. Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Response	Percent
Credit card	87
Car/auto loan	48
Student loan	33
Mortgage (purchase or refinance)	46
Home equity loan or line of credit	54
Other credit or loan	72

Note: Number of unweighted respondents = 944 (differs by response, because not all responses apply to all respondents).

Question A2. 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?

Response	Percent
No	40
Yes	60

Note: Number of unweighted respondents = 688.

Credit Condition Section

Question C2A. Do you currently have at least one credit card?

Response	Percent
No	18
Yes	82

Note: Number of unweighted respondents = 11,667.

Question C3. Do you currently have any credit card debt that you do not expect to pay in full with your next payment?

Response	Percent
No	63
Yes	37

Note: Number of unweighted respondents = 10,004.

Question C3A. Do you currently have more, less, or about the same amount of credit card debt than you had 12 months ago?

Response	Percent
Less debt now	22
About the same	34
More debt now	44

Note: Number of unweighted respondents = 3,574.

Question C3B. 12 months ago, did you have any credit card debt that you have since paid off?

Response	Percent
No	78
Yes	22

Note: Number of unweighted respondents = 6,434.

Question C4A. In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?

Response	Percent
Never carried an unpaid balance (always pay in full)	52
Once	6
Some of the time	19
Most or all of the time	24

Note: Number of unweighted respondents = 10,004.

Question BNPL1. 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.

Response	Percent
No	88
Yes	12

Note: Number of unweighted respondents = 11,667.

Question BNPL2. Currently, how many different purchases using a Buy Now Pay Later service are you making payments on?

Response	Percent
None	25
1	35
2	22
3 or more	18

Note: Number of unweighted respondents = 1,279.

Question BNPL3. In the past year, have you ever been late making a payment for something you bought using a Buy Now Pay Later service?

Response	Percent
No	83
Yes	17

Note: Number of unweighted respondents = 1,279.

Question BNPL3A. In the past year, have you been charged extra because you were late on a buy now pay later payment?

Response	Percent
No	45
Yes	55

Note: Number of unweighted respondents = 206.

Question BNPL4. Thinking about the most recent time you used a Buy Now Pay Later service, were each of the following a reason why you chose to finance the purchase in this way?

Response	Percent
Avoid interest charges	59
Wanted to spread out payments	87
Wanted a fixed number of payments	46
Convenience	83
Only way I could afford it	56
Only accepted payment method I had	21
Did not want to use a credit card	54

Note: Number of unweighted respondents = 1,279.

Cryptocurrency Section

Question S16. In the past year, have you done the following with cryptocurrency, such as Bitcoin or Ethereum?

Response	Percent
Bought or held as an investment	8
Used to buy something or make a payment	2
Used to send money to friends or family	2

Note: Number of unweighted respondents = 11,667.

Question S18. Were any of the family or friends you sent cryptocurrency to living outside of the United States?

Response	Percent
No	79
Yes	21

Note: Number of unweighted respondents = 163.

Question S19. Have you used cryptocurrency to do each of the following?

Response	Percent
Buy something in-person	21
Buy something online	61
Pay a bill online	23

Note: Number of unweighted respondents = 169.

Question S20. Have you used a cryptocurrency ATM/kiosk to do each of the following?

Response	Percent
Convert cash into cryptocurrency	6
Withdraw cash	12
Make a payment	25
Send money to family or friends	41

Note: Number of unweighted respondents = 1,107 (differs by response, because not all responses apply to all respondents).

Question S21. What was the main reason you used cryptocurrency to buy something, make a payment, or send money?

Response	Percent
Privacy	20
To send the money faster	21
Cheaper	13
Safer	9
Don't trust banks	5
Person or business receiving the money preferred cryptocurrency	21
Other (please specify)	10

Note: Number of unweighted respondents = 265.

Education Section

Question ED0. What is the highest level of school you have completed or the highest degree you have received?

Response	Percent
Less than high school degree	7
High school degree or GED	23
Some college but no degree (including currently enrolled in college)	21
Certificate or technical degree	5
Associate degree	9
Bachelor's degree	20
Master's degree	10
Professional degree (e.g., MBA, MD, JD)	4
Doctoral degree	2

Note: Note: Number of unweighted respondents = 11,667.

Question D1G. Are you currently enrolled as a student?

Response	Percent
No	92
Yes, as a part-time student	3
Yes, as a full-time student	5

Note: Note: Number of unweighted respondents = 11,667.

Question ED0B. What type of program are you currently pursuing?

Response	Percent
High school or GED program	5
Non-degree training program	3
Certificate or technical degree	10
Associate degree	14
Bachelor's degree	43
Master's degree	12
Professional degree (e.g., MBA, MD, JD)	6
Doctoral degree	7

Note: Number of unweighted respondents = 709.

Question ED0D. Have you ever enrolled in an educational degree program beyond high school?

Response	Percent
No	88
Yes	12

Note: Number of unweighted respondents = 2,586.

Question ED1. Which one of the following broad categories best describes your (current/most recent) educational program?

Response	Percent
Humanities/arts	7
Social/behavioral sciences	7
Life sciences	3
Physical sciences/math	4
Computer/information sciences	9
Engineering	7
Education	8
Business/management	20
Health	11
Law	4
Vocational/technical training	7
Undeclared	4
Other	9

Note: Number of unweighted respondents = 8,846.

Question ED4. In what year did you last attend this educational program?

Response	Percent
1969 or before	5
1970-79	10
1980-89	16
1990-99	16
2000-09	19
2010-19	26
2020 or after	9

Note: Number of unweighted respondents = 2,471.

Question ED5. Overall, how would you say the lifetime financial benefits of your (current/most recent) educational program compare to its costs?

Response	Percent
Financial benefits are much larger	16
Financial benefits are somewhat larger	14
About the same	41
Financial costs are somewhat larger	13
Financial costs are much larger	17

Note: Number of unweighted respondents = 2,794.

Question ED6. If you could go back and make your education decisions again, would you have done each of these things:

Response	Percent
Chosen a different field of study	40
Attended a different school	34
Not attended college or completed less education	15
Completed more education	66

Note: Number of unweighted respondents = 2,471.

Question ED9. In what year did you receive your (associate degree/bachelor's degree)?

Response	Percent
1969 or before	5
1970-79	11
1980-89	13
1990-99	17
2000-09	19
2010-19	27
2020 or after	8

Note: Number of unweighted respondents = 6,052.

Question ED10. Overall, how would you say the lifetime financial benefits of your (associate degree/bachelor's degree) program compare to its costs?

Response	Percent
Financial benefits are much larger	39
Financial benefits are somewhat larger	24
About the same	22
Financial costs are somewhat larger	8
Financial costs are much larger	8

Note: Number of unweighted respondents = 6,052.

Question ED11. If you could go back and make decisions regarding your (associate degree/bachelor's degree) again, would you have done each of these things:

Response	Percent
Chosen a different field of study	35
Attended a different school	23
Not attended college or completed less education	7
Completed more education	37

Note: Number of unweighted respondents = 6,052.

Student Loans Section

Question SL1. As of July 2022, before any student loan forgiveness was announced, did you have any student loan debt from your own education?

Response	Percent
No	85
Yes	15

Note: Number of unweighted respondents = 11,667.

Question SL3. As of July 2022, before any student loan forgiveness was announced, how much did you owe on student loans for your own education?Question SL3. As of July 2022, before any student loan forgiveness was announced, how much did you owe on student loans for your own education?

Response	Percent
Don't know	4
Less than $5,000	13
$5,000 to $9,999	11
$10,000 to $14,999	12
$15,000 to $19,999	7
$20,000 to $24,999	8
$25,000 to $29,999	6
$30,000 to $39,999	9
$40,000 to $49,999	6
$50,000 to $74,999	10
$75,000 to $99,999	5
$100,000 or above	9

Note: Number of unweighted respondents = 1,732.

Question SL4A. Are you currently required to make monthly payments on any of your student loans from your own education?

Response	Percent
No	63
Yes	37

Note: Number of unweighted respondents = 1,732.

Question SL3. As of July 2022, before any student loan forgiveness was announced, how much did you owe on student loans for your own education?Question SL3. As of July 2022, before any student loan forgiveness was announced, how much did you owe on student loans for your own education?

Response	Percent
Don't know	4
Less than $5,000	13
$5,000 to $9,999	11
$10,000 to $14,999	12
$15,000 to $19,999	7
$20,000 to $24,999	8
$25,000 to $29,999	6
$30,000 to $39,999	9
$40,000 to $49,999	6
$50,000 to $74,999	10
$75,000 to $99,999	5
$100,000 or above	9

Note: Number of unweighted respondents = 1,732.

Question SL4. Approximately how much is your current required monthly payment on the student loans from your own education?

Response	Percent
Don't know	9
$1 to $99	15
$100 to $199	19
$200 to $299	19
$300 to $399	12
$400 to $499	7
$500 to $999	13
$1,000 or above	6

Note: Number of unweighted respondents = 660.

Question SL6. Are you behind on payments or in collections for one or more of the student loans from your own education?

Response	Percent
No	85
Yes	15

Note: Number of unweighted respondents = 1,732.

Question SL7. Did you take out any student loans to pay for your own education that you have since repaid?

Response	Percent
No	83
Yes	17

Note: Number of unweighted respondents = 9,935.

Question SL8. Still thinking about your own education, did you take out any student loans for each of the following educational programs (including any repaid loans or education you did not complete)?

Response	Percent
Certificate or technical training	14
Associate degree	21
Bachelor's degree	65
Professional degree (e.g. MBA, MD, JD)	10
Master's degree or doctoral degree	19

Note: Number of unweighted respondents = 3,775.

Question SL10A. As of July 2022, before any student loan forgiveness was announced, did your spouse or partner have any student loans used to pay for their education?

Response	Percent
No	84
Yes	16

Note: Number of unweighted respondents = 7,758.

Question SL11. As of July 2022, before any student loan forgiveness was announced, did you have any student loans used to pay for your child's or grandchild's education?

Response	Percent
No	74
Yes	7
Do not have children or grandchildren	18

Note: Number of unweighted respondents = 9,995.

Question SL13. As of July 2022, before any student loan forgiveness was announced, how much did you owe on student loans for your child or grandchild's education?

Response	Percent
Don't know	9
Less than $5,000	17
$5,000 to $9,999	12
$10,000 to $14,999	12
$15,000 to $19,999	7
$20,000 to $24,999	7
$25,000 to $29,999	5
$30,000 to $39,999	7
$40,000 to $49,999	7
$50,000 to $74,999	6
$75,000 to $99,999	4
$100,000 or above	7

Note: Number of unweighted respondents = 739.

Question SL20. A policy was recently announced to forgive federal student loan debt for most borrowers. This policy will generally forgive up to $10,000 or $20,000 of federal student loans. Do you (and/or your spouse or partner) have any student loan debt that you expect to be forgiven or reduced under this policy?

Response	Percent
Don't know	15
No	30
Yes	55

Note: Number of unweighted respondents = 3,019.

Question SL20A. (How do you/If you have student loans forgiven, how would you) expect to use the largest portion of any money you save each month from student loan forgiveness?

Response	Percent
Pay off debt	57
Save for home purchase	10
Save for other things	26
Spend it on other things	7

Note: Number of unweighted respondents = 3,019.

Question SL14. In addition to any student loans that you may have, do you currently have each of the following that were used to pay for college or higher education expenses for you or someone else:

Response	Percent
Home equity loan	3
Credit card debt	10
Other loan	6

Note: Number of unweighted respondents = 11,667.

Retirement Section

Question D1I. Do you consider yourself to be retired?

Response	Percent
No	73
Yes	27

Note: Number of unweighted respondents = 11,667.

Question K0. Do you think that your retirement savings plan is currently on track?

Response	Percent
Don't know	21
No	48
Yes	31

Note: Number of unweighted respondents = 7,721.

Question K2. Do you currently have each of the following types of retirement savings?

Response	Percent
401(k), 403(b), Keogh, or other defined contribution plan through an employer	54
Pension with a defined benefit through an employer that will pay a fixed monthly amount in retirement	20
IRA or Roth IRA	34
Savings outside a retirement account	47
Own a business or real estate that will provide income in retirement	8
Other retirement savings	11

Note: Number of unweighted respondents = 7,721.

Question K8B. When did you retire?

Response	Percent
Within the past year	9
1 or 2 years ago	11
3 or 4 years ago	12
5 years ago or more	68

Note: Number of unweighted respondents = 3,946.

Question K9. Were each of the following important to your decision to retire at the age that you did?

Response	Percent
Health problem	30
Wanted to do other things or spend time with family	51
Didn't like the work	14
Care for family members	17
Reached normal retirement age	47
Forced to retire or lack of available work	10

Note: Number of unweighted respondents = 3,946.

Question K20. Approximately how much money do you currently have saved for retirement?

Response	Percent
Don't know	14
Less than $10,000	20
$10,000 to $24,999	8
$25,000 to $49,999	7
$50,000 to $99,999	9
$100,000 to $249,999	13
$250,000 to $499,999	10
$500,000 to $999,999	9
Over $1,000,000	10

Note: Number of unweighted respondents = 9,682.

Question DC4. How comfortable are you with making your own investment decisions in your retirement accounts?

Response	Percent
Very comfortable	13
Mostly comfortable	26
Slightly comfortable	33
Not comfortable	28

Note: Number of unweighted respondents = 5,742.

Question K5A. In the past 12 months, have you borrowed money from or cashed out (permanently withdrawn) money from any of your retirement savings accounts?

Response	Percent
No	92
Yes, borrowed money	4
Yes, cashed out	4
Yes, both	1

Note: Number of unweighted respondents = 7,721.

Income and Consumption Section

Question I0. In the past 12 months, did you (and/or your spouse or partner) receive any income from the following sources:

Response	Percent
Wages, salaries, or self-employment income	66
Interest, dividends, or rental income	31
Social Security (including old age and DI)	27
Supplemental Security Income (SSI), TANF, or cash assistance from a welfare program	6
Unemployment income	2
Pension	18

Note: Number of unweighted respondents = 11,667.

Question I0A. Did you (and/or your spouse or partner) receive any income from any source in the past 12 months?

Response	Percent
No	67
Yes	33

Note: Number of unweighted respondents = 1,092

Question I39. Approximately how much was the total income that you (and your spouse or partner) received from all sources, before taxes and deductions, in the past 12 months?

	Dollar amount
Mean	82,860
Median	58,000

Note: Number of unweighted respondents = 11,667 (including imputed values for respondents who refused or did not receive question I39).

Question I40. Which of the following categories best describes the total income that you (and your spouse or partner) received from all sources, before taxes and deductions, in the past 12 months?

Response	Percent
$0	9
$1 to $4,999	8
$5,000 to $14,999	7
$15,000 to $24,999	6
$25,000 to $39,999	9
$40,000 to $49,999	6
$50,000 to $74,999	13
$75,000 to $99,999	10
$100,000 to $149,999	13
$150,000 to $199,999	9
$200,000 or higher	10

Note: Number of unweighted respondents = 11,667 (including values for respondents who answered question I39 or I0A and did not receive question I40).

Question I41. In the past 12 months, have you (and/or your spouse or partner) received any of the following?

Response	Percent
Earned Income Tax Credit (EITC)	10
Supplemental Nutrition Assistance Program (SNAP or food stamps)	12
Women, Infants, and Children (WIC) nutrition program benefits	9
Housing assistance from government program	3
Free or reduced price school lunches	27

Note: Number of unweighted respondents = 11,667 (differs by response, because not all responses apply to all respondents).

Question I9. In the past 12 months, which one of the following best describes your (and your spouse's or partner's) income?

Response	Percent
Roughly the same amount each month	71
Occasionally varies from month to month	20
Varies quite often from month to month	9

Note: Number of unweighted respondents = 11,667.

Question I12. Because your income varies, have you (and your spouse or partner) struggled to pay your bills in the past 12 months?

Response	Percent
No	64
Yes	36

Note: Number of unweighted respondents = 3,128.

Question I20. In the past month, would you say that your (and your spouse's or partner's) total spending was:

Response	Percent
Less than your income	49
The same as your income	32
More than your income	19

Note: Number of unweighted respondents = 11,667.

Question I21. Compared to a year ago, have each of the following for you (and/or your spouse or partner) increased, decreased, or stayed about the same?

Subquestion	Percent
Subquestion	Decreased	About the same	Increased

Total monthly income	13	55	33
Total monthly spending	10	51	40

Note: Number of unweighted respondents = 11,667.

Question I23. You indicated that you (and/or your spouse or partner) received income from unemployment insurance in the past year. Did you learn about your eligibility for these benefits from each of the following sources?

Response	Percent
Employer	47
Union	10
Friends or family	28
Internet research	27
News stories	10
Government agency	25

Note: Number of unweighted respondents = 255.

Financial Support from Outside the Home Section

Question FS11. In the past year, have you (and/or your spouse or partner) received each of the following?

Response	Percent
Free groceries or meals through a food pantry, religious, or community organization	9
Financial assistance from a religious or community organization	2
Financial assistance from friends or family members not living with you	8

Note: Number of unweighted respondents = 11,667.

Inflation Section

Question INF1. In general, have prices you paid for each of the following increased in the past 12 months?

Response	Percent
Response	No	Yes, increased somewhat	Yes, increased a lot
Food	3	25	71
Gasoline and other motor fuels	6	19	75
Utilities (electricity, heating fuel, etc.)	15	44	41
Rent or mortgage	66	20	14
Medical care, medication, or health insurance	50	34	16
Home or auto insurance	42	40	18

Note: Number of unweighted respondents = 11,667.

Question INF2. Have price increases for each of the following affected your family's budget in the past 12 months?

Response	Percent
Response	No	Yes, somewhat	Yes, a lot
Food	17	37	45
Gasoline and other motor fuels	19	35	46
Utilities (electricity, heating fuel, etc.)	23	43	33
Rent or mortgage	21	43	36
Medical care, medication, or health insurance	26	48	26
Home or auto insurance	27	50	23

Note: Number of unweighted respondents = 11,368 (differs by response, because not all responses apply to all respondents).

Question INF3. Did you take any of the following actions because of increases in prices over the past 12 months?

Response	Percent
Switched to cheaper products	64
Used less or stopped using	66
Reduced savings	51
Increased borrowing	15
Delayed a major purchase	49
Worked more or got another job	18
Asked for a raise	64

Note: Number of unweighted respondents = 11,667 (differs by reponse, because not all responses apply to all respondents).

Question OL3. In the past 12 months, have you purchased each of the following goods or services online:

Response	Percent
Groceries	39
Personal care items	57
Clothing	61

Note: Number of unweighted respondents = 11,667.

Question OL4. What was the primary reason that you made these purchases online rather than at a local store?

Subquestion	Percent
Subquestion	Convenience	Better price	Better quality	Not available in local stores	COVID safety concerns	Other reason
Groceries	63	13	1	9	7	7
Personal care items	58	23	1	11	4	3
Clothing	51	22	2	19	2	4

Note: Number of unweighted respondents = 7,186 (differs by subquestion).

Emergency Fund Section

Question 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?

Response	Percent
No	46
Yes	54

Note: Number of unweighted respondents = 11,667.

Question EF2. 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?

Response	Percent
No	65
Yes	35

Note: Number of unweighted respondents = 4,910.

Question EF3. Suppose that you have an emergency expense that costs ($400/$500). Based on your current financial situation, how would you pay for this expense?

Response	Percent
Response	$400	$500
Put it on my credit card and pay it off in full at the next statement	36	38
Put it on my credit card and pay it off over time	16	17
With the money currently in my checking/savings account or with cash	44	42
Using money from a bank loan or line of credit	2	3
By borrowing from a friend or family member	9	9
Using a payday loan, deposit advance, or overdraft	2	1
By selling something	6	5
I wouldn't be able to pay for the expense right now	13	13

Note: Number of unweighted respondents = 11,667.

Question EF5A. Which best describes your ability to pay all of your bills in full this month?

Response	Percent
Can't pay some bills	18
Able to pay all bills	82

Note: Number of unweighted respondents = 11,667.

Question EF5B. How would a ($400/$500) emergency expense that you had to pay impact your ability to pay your other bills this month?

Response	Percent
Response	$400	$500
Could not pay some bills	13	14
Would still be able to pay all bills	87	86

Note: Number of unweighted respondents = 9,715.

Question EF6A. Are you expecting to be unable to pay or only make a partial payment on each of the following bills this month?

Response	Percent
Rent or mortgage	25
Credit card	49
Water, gas, or electric bill	35
Phone or cable bill	32
Car payment	18
Student loan	11
Other bills	38

Note: Number of unweighted respondents = 1,952.

Question EF6B. Which of the following bills would you likely skip paying, or make only a partial payment on, if you had a ($400/$500) emergency expense that you had to pay?

Response	Percent
Response	$400	$500
Rent or mortgage	10	9
Credit card	50	53
Water, gas, or electric bill	22	21
Phone or cable bill	38	41
Car payment	14	18
Student loan	29	39
Other bills	54	52

Note: Number of unweighted respondents = 1,154.

Question EF7. Based on your current financial situation, what is the largest emergency expense that you could handle right now using only your savings?

Response	Percent
Under $100	18
$100 to $499	14
$500 to $999	11
$1,000 to $1,999	11
$2,000 or more	46

Note: Number of unweighted respondents = 11,667.

Health and Insurance Section

Question E1. 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?

Response	Percent
Prescription medicine	10
Seeing a doctor or specialist	16
Mental health care or counseling	10
Dental care	21
Follow-up care	10

Note: Number of unweighted respondents = 11,667.

Question 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?

Response	Percent
No	77
Yes	23

Note: Number of unweighted respondents = 11,667.

Question E2A. Approximately how much did you pay out of pocket for unexpected major medical expenses in the past 12 months?

Response	Percent
Don't know	4
$1 to $499	21
$500 to $999	19
$1,000 to $1,999	21
$2,000 to $4,999	22
$5,000 or higher	13

Note: Number of unweighted respondents = 2,804.

Question E2B. Do you currently have any debt from medical care you or your family members have received?

Response	Percent
No	84
Yes	16

Note: Number of unweighted respondents = 11,667.

Question E4. Are you currently covered by any of the following types of health insurance or health coverage plans?

Response	Percent
Insurance through an employer or union	56
Insurance purchased directly from an insurance company	10
Medicare or Medicaid	35
TRICARE, VA, or other military or veteran's health care	6
Insurance purchased through a health insurance exchange	4
Any other health insurance	6

Note: Number of unweighted respondents = 11,667.

Childhood Background Section

Question CH2. What is the highest level of education that your mother completed?

Response	Percent
Don't know	6
Refused	0
Less than High School degree	18
High school degree or GED	35
Some college but no degree	9
Certificate or technical degree	5
Associate degree	6
Bachelor's degree	14
Graduate degree	7

Note: Number of unweighted respondents = 11,667.

Question CH3. What is the highest level of education that your father completed?

Response	Percent
Don't know	11
Refused	0
Less than High School degree	19
High school degree or GED	31
Some college but no degree	8
Certificate or technical degree	5
Associate degree	4
Bachelor's degree	13
Graduate degree	9

Note: Number of unweighted respondents = 11,667.

Financial Literacy Section

Question FL0. 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?

Response	Percent
0 - Not at all willing to take financial risks	19
1	6
2	9
3	11
4	9
5	19
6	10
7	10
8	5
9	1
10 - Very willing to take financial risks	2

Note: Number of unweighted respondents = 11,667.

Question 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.

Response	Percent
Response	Including don't know	Excluding don't know
Don't know	51	n/a
True	4	12
False	45	88

Note: Number of unweighted respondents = 11,667.

n/a Not applicable.

Question 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?

Response	Percent
Response	Including don't know	Excluding don't know
Don't know	24	n/a
More than today	2	5
Exactly the same	7	17
Less than today	67	78

Note: Number of unweighted respondents = 11,667.

n/a Not applicable.

Question 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?

Response	Percent
Response	Including don't know	Excluding don't know
Don't know	19	n/a
More than $102	69	78
Exactly $102	6	13
Less than $102	6	9

Note: Number of unweighted respondents = 11,667.

n/a Not applicable.

Respondent Demographics

Summary statistics for demographics

Demographic characteristic	Weighted Percent	Unweighted percent
Gender
Male	49	51
Female	51	49
Age¹
18-29	20	14
30-44	26	23
45-59	24	24
60+	30	39
Education
Less than high school	7	5
High school degree	23	20
Some college, no associate degree	25	24
Associate degree	9	9
Bachelor's degree or more	36	43
Race and Ethnicity
White	62	69
Black	12	10
Hispanic	17	13
Asian	6	4
Other	3	4
Family Income
Less than $25,000	30	27
$25,000-$49,000	15	15
$50,000-$99,999	23	25
$100,000 or more	32	33
Household Income
Less than $25,000	12	13
$25,000-$49,999	16	17
$50,000-$99,999	29	30
$100,000 or more	43	41
Marital Status
Married	55	58
Not married	45	42
Region
Northeast	17	18
Midwest	21	22
South	38	37
West	24	23
Disability Status
Unknown or Refused	11	10
No disability	76	75
Disability	13	14

Note: Number of unweighted respondents = 11,667.

1. Mean weighted age = 48. Mean unweighted age = 52. Return to table

Last Update: June 02, 2023

Supplemental Appendixes to the Report on the Economic Well-Being of U.S. Households in 2022 - May 2023 - Appendix B

Appendix B: Consumer Responses to Survey Questions

Living Arrangements Section

Question L0. First, do each of the following people currently live with you?

Question L0A. Are the adult children (who are age 18 or older) who live with you:

Question L0B. Other than your spouse or partner, children, or parents, are the people living with you:

Question L0C. How many children do you have who are under age 18 and currently live with you?

Question L0D. How old are your (6 youngest) children under age 18 who currently live with you?

Question L1. You indicated that you live with (your parents/your adult children who are not in school). Are each of the following reasons why you live with them?

General Well-Being Section

Question B2. Overall, which one of the following best describes how well you are managing financially these days?

Question B3. Compared to 12 months ago, would you say that you (and your family) are better off, the same, or worse off financially?

Question B6. 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?

Question B7. How would you rate economic conditions today:

Question B10. 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?

Employment Section

Question D1A. Last month, did you do any work for either pay or profit?

Question D1E. At any time during the past month, did you want to work (more hours)?

Question D22. Did each of the following contribute to you not working last month?

Question D3A. Think about your main job (the job from which you earned the most money in the past month). In this job, were you working for someone else, self-employed, or something else?

Question D3B. Still thinking about your main job, do you usually work:

Question D28. At your main job, how often do each of these statements describe your work situation?

Question 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?

Question D31. Approximately how far in advance does your employer usually tell you the hours that you will need to work on any given day?

Question D33. A temporary job lasts for a limited time or until the end of a project. Is your main job a temporary job?

Question D47. Some employers restrict what their employees can do if they leave their job. In your main job, did you agree that if you leave your employer, you will not start or work for a competing business? This is often called a non-compete agreement.

Question D34A. Thinking about the work you did last week, how much of it did you do by telecommuting or working from home?

Question D34B. Could your work be done by telecommuting or working from home at least some of the time if your employer would let you?

Question D34C. Given a choice, how much of the time would you like to telecommute or work from home each week?

Question D35. Are each of the following a reason that you want to telecommute or work from home, at least some of the time?

Question D36A. 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?

Question D36B. How likely would you be to actively look for another job or leave your job if your employer (kept your pay the same for a year/decreased your pay by 1 percent/ 5 percent/10 percent)?

Question D4. In addition to your main job, did you have any other jobs last month?

Question D44_f. 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)?

Question D44. Think about any job in the past 12 months, not just your main job. In the past 12 months, have you:

Question D37A. You indicated that you started a new job in the past 12 months. Is your main job (where you earn the most money) the same as it was a year ago?

Question D38. 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?

Question D39. Overall, is the main job you have now better, the same, or worse than the one you had a year ago?

Question D5. Last month, did your spouse or partner do any work for either pay or profit?

Gig Economy Section

Question GE2A. 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?

Question GE12. Are the items you sold ones that you:

Question GE2B. 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?

Question GE20A. Did you spend at least 20 hours in the past month (doing freelance or gig work/selling or renting items you own)?

Question GE22. Do you spend more, about the same, or less time (doing freelance or gig work/selling or renting items you own) than you did a year ago?

Question GE24. 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?

Question GE40A. In the past month, how much of your income was from (doing freelance or gig work/selling or renting items you own)?

Housing Section

Question GH1. Do you (and/or your spouse or partner):

Question R1. Are each of the following a reason why you rent your home rather than own?

Question GH2. When did you move into your current home?

Question GH7. Do you live in the same state that you lived in before your move?

Question R4. Before your most recent move, did you own your previous home?

Question R5B. Did each of the following contribute to your moving in the past year?

Question R5E. Was the main reason that you moved in the past year because of rent increases at your previous home or apartment?

Question R5C. Did each of the following contribute to your moving in the past year?

Question R3. Approximately how much do you (and/or your spouse or partner) pay for rent each month?

Question R11. Have you been behind on your rent at any time in the past year?

Question R12. Do you still owe money for any back rent or fees?

Question R13. Approximately how much do you owe in back rent and fees?

Question M4. Approximately how much is your total monthly mortgage payment (i.e. the amount you send to the bank)?

Natural Disasters Section

Question ND1. 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?

Question ND2. 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?

Question ND3. Have natural disasters or the threat of natural disasters affected your choice of where to live?

Question ND4. 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?

Automobile Section

Question AL0A. Do you own, lease, or have regular access to a car, truck, van or sport utility vehicle (SUV)?

Banking Section

Question BK1. Do you (and/or your spouse or partner) currently have a checking, savings or money market account?

Question BK2. In the past 12 months, did you (and/or your spouse or partner):

Credit Application Section

Question A6. If you were to apply for a credit card today, how confident are you that your application would be approved?

Question A0. 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)?

Question A7. Have you applied for each of the following types of credit in the past 12 months?

Question A0B. Was there a time in the past 12 months that you desired credit but chose not to submit a credit application?

Question A1. In the past 12 months, has each of the following happened to you:

Question A8. Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Question A2. 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?

Credit Condition Section