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Variable Question text Label
F001Which of the following best describes your household finances for last month, ^FLmonthyear? Do the adults in this household...HOUSEHOLD FINANCES DESCRIPTION
F002In the last month, ^FLmonthyear, have you experienced financial hardship due to each of the following events (select all that apply)?FINANCIAL HARDSHIPS EXPERIENCED
F002_otherFINANCIAL HARDSHIPS EXPERIENCED--OTHER
F003AWages or salariesINCOME RECEIVED FROM WAGES OR SALARIES
F003BSelf-employmentINCOME RECEIVED FROM SELF EMPLOYMENT
F003COccasional work activities or side jobs (do not include income from UAS)INCOME RECEIVED FROM OCCASIONAL WORK
F003DInterest, dividends, or rental incomeINCOME RECEIVED FROM INTEREST/DIVIDENDS/RENTALS
F003ESocial security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfareINCOME RECEIVED FROM SOCIAL SECURITY/RETIREMENT/UNEMPLOYMENT
F003FAny other incomeINCOME RECEIVED FROM ANY OTHER SOURCE
F004A_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES--DK
F004A_RWages or salariesMONTHLY NET INCOME FROM RESPONDENT WAGES
F004A_SMONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES
F004B_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER SELF EMPLOYMENT--DK
F004B_RSelf-employmentMONTHLY NET INCOME FROM RESPONDENT SELF EMPLOYMENT
F004B_SMONTHLY NET INCOME FROM SPOUSE/PARTNER SELF-EMPLOYMENT
F004C_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER OCCASIONAL WORK--DK
F004C_ROccasional work activities or side jobs (do not include income from UAS)MONTHLY NET INCOME FROM RESPONDENT OCCASIONAL WORK
F004C_SMONTHLY NET INCOME FROM SPOUSE/PARTNER OCCASIONAL WORK
F004D_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST--DK
F004D_RInterest, dividends, or rental incomeMONTHLY NET INCOME FROM RESPONDENT INTEREST/DIVIDENDS/RENT
F004D_SMONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST/DIVIDENDS/RENT
F004E_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY--DK
F004E_RSocial security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfareMONTHLY NET INCOME FROM RESPONDENT SOCIAL SECURITY
F004E_SMONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY
F004F_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER ANY OTHER SOURCE--DK
F004F_RAny other incomeMONTHLY NET INCOME FROM ANY OTHER INCOME
F004F_SMONTHLY NET INCOME FROM SPOUSE/PARTNER ANY OTHER SOURCE
F005A_AmtRent/mortgageAMOUNT SPENT ON RENT/MORTGAGE
F005A_NoSpendRENT/MORTGAGE--DIDN'T SPEND REGULARLY
F005B_AmtHousing related expenses (electricity, gas, water, maintenance or repairs, phone, cellphone, internet, insurance, Home Owner Association fees)AMOUNT SPENT ON HOUSING RELATED EXPENSES
F005B_NoSpendHOUSING RELATED EXPENSES--DIDN'T SPEND REGULARLY
F005C_AmtTransportation (car payment, car insurance, gasoline, other fuels, bus/metro/taxi rides)AMOUNT SPENT ON TRANSPORTATION
F005C_NoSpendTRANSPORTATION--DIDN'T SPEND REGULARLY
F005D_AmtEducation and childcare (tuition and fees, materials, wages)AMOUNT SPENT ON EDUCATION AND CHILDCARE
F005D_NoSpendEDUCATION AND CHILDCARE--DIDN'T SPEND REGULARLY
F005E_AmtHealth (medical bills, medicines, co-pay, health insurance payment)AMOUNT SPENT ON HEALTH
F005E_NoSpendHEALTH--DIDN'T SPEND REGULARLY
F005F_AmtGroceries (food, beverages, snacks, and cleaning supplies for the house)AMOUNT SPENT ON GROCERIES
F005F_NoSpendGROCERIES--DIDN'T SPEND REGULARLY
F005G_AmtEating out (restaurants, coffee shops, etc.)AMOUNT SPENT ON EATING OUT
F005G_NoSpendEATING OUT--DIDN'T SPEND REGULARLY
F005H_AmtAny other expense (entertainment and recreation, clothing and personal care, etc.)AMOUNT SPENT ON ANY OTHER EXPENSE
F005H_NoSpendANY OTHER EXPENSE--DIDN'T SPEND REGULARLY
F006AChecking accountHAVE CHECKING ACCOUNT
F006BSavings accountHAVE SAVINGS ACCOUNT
F006CSavings in cashHAVE SAVINGS IN CASH
F006DRetirement account (401k, 403b, IRA) or employer-provided traditional pensionHAVE RETIREMENT ACCOUNT
F006EOther personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.HAVE OTHER PERSONAL SAVINGS OR INVESTMENTS
F006FOther financial assets or accounts excluding real estate or housing, please specify:~F006F_other HAVE OTHER FINANCIAL ASSETS
F006F_otherHAVE OTHER FINANCIAL ASSETS--OTHER SPECIFY
F007A_AmtAMOUNT RESPONDENT SAVED IN CHECKING ACCOUNT
F007A_Amt_SAMOUNT SPOUSE/PARTNER SAVED IN CHECKING ACCOUNT
F007A_DKAMOUNT SPOUSE/PARTNER SAVED IN CHECKING ACCOUNT--DK
F007A_NoSaveChecking accountAMOUNT SAVED IN CHECKING ACCOUNT--DIDN'T SAVE
F007B_AmtAMOUNT RESPONDENT SAVED IN SAVINGS ACCOUNT
F007B_Amt_SAMOUNT SPOUSE/PARTNER SAVED IN SAVINGS ACCOUNT
F007B_DKAMOUNT SPOUSE/PARTNER SAVED IN SAVINGS ACCOUNT--DK
F007B_NoSaveSavings accountAMOUNT SAVED IN SAVINGS ACCOUNT--DIDN'T SAVE
F007C_AmtAMOUNT RESPONDENT SAVED IN CASH
F007C_Amt_SAMOUNT SPOUSE/PARTNER SAVED IN CASH
F007C_DKAMOUNT SPOUSE/PARTNER SAVED IN CASH--DK
F007C_NoSaveSavings in cashAMOUNT SAVED IN CASH--DIDN'T SAVE
F007D_AmtAMOUNT RESPONDENT SAVED IN RETIREMENT ACCOUNT
F007D_Amt_SAMOUNT SPOUSE/PARTNER SAVED IN RETIREMENT ACCOUNT
F007D_DKAMOUNT SPOUSE/PARTNER SAVED IN RETIREMENT ACCOUNT--DK
F007D_NoSaveRetirement account (401k, 403(b), IRA) or employer-provided traditional pensionAMOUNT SAVED IN RETIREMENT--DIDN'T SAVE
F007E_AmtAMOUNT RESPONDENT SAVED IN OTHER PERSONAL SAVINGS/INVESTMENTS
F007E_Amt_SAMOUNT SPOUSE/PARTNER SAVED IN OTHER SAVINGS/INVESTMENTS
F007E_DKAMOUNT SPOUSE/PARTNER SAVED IN OTHER PERSONAL SAVINGS/INVESTMENTS--DK
F007E_NoSaveOther personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.AMOUNT SAVED IN OTHER PERSONAL SAVINGS--DIDN'T SAVE
F007F_AmtAMOUNT RESPONDENT SAVED IN OTHER FINANCIAL ASSETS OR ACCOUNTS
F007F_Amt_SAMOUNT SPOUSE/PARTNER SAVED IN OTHER FINANCIAL ASSETS
F007F_DKAMOUNT SPOUSE/PARTNER SAVED IN OTHER FINANCIAL ASSETS--DK
F007F_NoSaveOther financial assets or accounts excluding real estate or housing, please specify: ^FLF007FAMOUNT SAVED IN OTHER FINANCIAL ASSETS OR ACCOUNTS--DIDN'T SAVE
F008A_AmtAMOUNT RESPONDENT WITHDRAWN FROM CHECKING ACCOUNT
F008A_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM CHECKING ACCOUNT
F008A_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM CHECKING ACCOUNT--DK
F008A_NoWithdrawalChecking accountAMOUNT WITHDRAWN FROM CHECKING ACCOUNT--DIDN'T WITHDRAW
F008B_AmtAMOUNT RESPONDENT WITHDRAWN FROM SAVINGS ACCOUNT
F008B_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS ACCOUNT
F008B_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS ACCOUNT--DK
F008B_NoWithdrawalSavings accountAMOUNT WITHDRAWN FROM SAVINGS ACCOUNT--DIDN'T WITHDRAW
F008C_AmtAMOUNT RESPONDENT WITHDRAWN FROM SAVINGS IN CASH
F008C_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS IN CASH
F008C_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS IN CASH--DK
F008C_NoWithdrawalSavings in cashAMOUNT WITHDRAWN FROM CASH SAVINGS--DIDN'T WITHDRAW
F008D_AmtAMOUNT RESPONDENT WITHDRAWN FROM RETIREMENT ACCOUNT
F008D_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM RETIREMENT ACCOUNT
F008D_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM RETIREMENT ACCOUNT--DK
F008D_NoWithdrawalRetirement account (401k, 403(b), IRA) or employer-provided traditional pensionAMOUNT WITHDRAWN FROM RETIREMENT ACCOUNT--DIDN'T WITHDRAW
F008E_AmtAMOUNT RESPONDENT WITHDRAWN FROM OTHER PERSONAL SAVINGS/INVESTMENTS
F008E_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER PERSONAL SAVINGS/INVESTMENTS
F008E_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER PERSONAL SAVINGS/INVESTMENTS--DK
F008E_NoWithdrawalOther personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.AMOUNT WITHDRAWN FROM OTHER SAVINGS/INVESTMENTS--DIDN'T WITHDRAW
F008F_AmtAMOUNT RESPONDENT WITHDRAWN FROM OTHER FINANCIAL ASSETS OR ACCOUNTS
F008F_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER FINANCIAL ASSETS
F008F_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER FINANCIAL ASSETS--DK
F008F_NoWithdrawalOther financial assets or accounts excluding real estate or housing, please specify: ^FLF007FAMOUNT WITHDRAWN FROM OTHER FINANCIAL ASSETS/ACCOUNTS--DIDN'T WITHDRAW
F009AAuto loansPAID DEBT/INTEREST--AUTO LOANS
F009BStudent loansPAID DEBT/INTEREST--STUDENT LOANS
F009COutstanding credit card balances carried over from previous monthsPAID DEBT/INTEREST--CREDIT CARD BALANCES
F009DMedical debtsPAID DEBT/INTEREST--MEDICAL DEBTS
F009EMortgages and home equity line of creditPAID DEBT/INTEREST--MORTGAGES/HOME EQUITY LOANS
F009FOther loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above) PAID DEBT/INTEREST--OTHER LOANS
F009GMoney borrowed from family or friendsPAID DEBT/INTEREST--MONEY BORROWED FROM FAMILY OR FRIENDS
F009HOther debts not listed, please specify:~F009H_other PAID DEBT/INTEREST--OTHER DEBTS NOT LISTED
F009H_otherPAID DEBT/INTEREST--OTHER DEBTS NOT LISTED PLEASE SPECIFY
F010A_AmtAuto loansAMOUNT PAID ON DEBT AND INTEREST--AUTO LOANS
F010A_NoDebtPayDIDN'T PAY ANY DEBT--AUTO LOANS
F010B_AmtStudent loansAMOUNT PAID ON DEBT AND INTEREST--STUDENT LOANS
F010B_NoDebtPayDIDN'T PAY ANY DEBT--STUDENT LOANS
F010C_AmtCredit cardsAMOUNT PAID ON DEBT AND INTEREST--CREDIT CARDS
F010C_NoDebtPayDIDN'T PAY ANY DEBT--CREDIT CARDS
F010D_AmtMedical debtsAMOUNT PAID ON DEBT AND INTEREST--MEDICAL
F010D_NoDebtPayDIDN'T PAY ANY DEBT--MEDICAL DEBTS
F010E_AmtMortgages and home equity line of creditAMOUNT PAID ON DEBT AND INTEREST--MORTGAGES
F010E_NoDebtPayDIDN'T PAY ANY DEBT--MORTGAGES
F010F_AmtOther loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above) AMOUNT PAID ON DEBT AND INTEREST--OTHER LOANS
F010F_NoDebtPayDIDN'T PAY ANY DEBT--OTHER LOANS
F010G_AmtMoney borrowed from family or friendsAMOUNT PAID ON DEBT AND INTEREST--MONEY BORROWED
F010G_NoDebtPayDIDN'T PAY ANY DEBT--MONEY BORROWED
F010H_AmtOther debts not listed above: ^FLF010HAMOUNT PAID ON DEBT AND INTEREST--OTHER DEBTS NOT LISTED
F010H_NoDebtPayDIDN'T PAY ANY DEBT--OTHER DEBTS NOT LISTED
F011A_AmtAuto loansAMOUNT OF CURRENT DEBT--AUTO LOANS
F011A_DKDEBT AMOUNT DK--AUTO LOANS
F011B_AmtStudent loansAMOUNT OF CURRENT DEBT--STUDENT LOANS
F011B_DKDEBT AMOUNT DK--STUDENT LOANS
F011C_AmtCredit cardsAMOUNT OF CURRENT DEBT--CREDIT CARDS
F011C_DKDEBT AMOUNT DK--CREDIT CARDS
F011D_AmtMedical debtsAMOUNT OF CURRENT DEBT--MEDICAL
F011D_DKDEBT AMOUNT DK--MEDICAL DEBTS
F011E_AmtMortgages and home equity line of creditAMOUNT OF CURRENT DEBT--MORTGAGES
F011E_DKDEBT AMOUNT DK--MORTGAGES
F011F_AmtOther loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above) AMOUNT OF CURRENT DEBT--OTHER LOANS
F011F_DKDEBT AMOUNT DK--OTHER LOANS
F011G_AmtMoney borrowed from family or friendsAMOUNT OF CURRENT DEBT--MONEY BORROWED
F011G_DKDEBT AMOUNT DK--MONEY BORROWED
F011H_AmtOther debts not listed above: ^FLF010HAMOUNT OF CURRENT DEBT--OTHER DEBTS NOT LISTED
F011H_DKDEBT AMOUNT DK--OTHER DEBTS NOT LISTED
F012Which of the following statements best describes how your household’s total spending compared to total income, over the last month, of ^FLmonthyear?HOUSEHOLD SPENDING COMPARED TO TOTAL INCOME
F013Which of the following come closest to the reason that your household’s spending exceeded its income in the last month, ^FLmonthyear?REASON SPENDING EXCEEDED INCOME
F013_otherREASON SPENDING EXCEEDED INCOME SPECIFY
F014In the last month, ^FLmonthyear, when your household’s spending exceeded its income, which of the following, if any, did your household do to help cover expenses? Please select all that apply.THINGS DONE TO COVER EXPENSES
F014_otherTHINGS DONE TO COVER EXPENSES--SPECIFY
F015Which of the following statements best describes how your household has paid its bills over the last month, ^FLmonthyear? My household has been financially able to:FREQUENCY BILLS PAID ON TIME
F016At your current level of spending, how long could you and your household afford to cover expenses, if you had to live only off the money you have readily available, without withdrawing money from retirement accounts or borrowing?HOW LONG COULD COVER EXPENSES
F017Thinking about your household’s longer term financial goals such as saving for a vacation, starting a business, buying or paying off a home, saving up for education, putting money away for retirement, or making retirement funds last… How confident are you that your household is currently doing what is needed to meet your longer term goals?CONFIDENCE IN MEETING LONGER TERM GOALS
F018Now thinking about all of your household’s current debts, including mortgages, bank loans, student loans, money owed to people, medical debt, past-due bills, and credit card balances that are carried over from prior months … As of today, which of the following statements describes how manageable your household debt is?HOW MANAGEABLE DEBT IS
F019How would you rate your credit score? Your credit score is a number that tells lenders how risky or safe you are as a borrower.RATE OWN CREDIT SCORE
F020Thinking about all of the types of personal and household insurance you and others in your household have, how confident are you that those insurance policies will provide enough support in case of an emergency?CONFIDENT IN INSURANCE COVERAGE
F021To what extent do you agree or disagree with the following statement: "My household plans ahead financially."AGREE THAT HOUSEHOLD PLANS AHEAD FINANCIALLY
cfsi_scoring_f012ARRAY TO SCORE SPEND QUESTION F012
cfsi_scoring_f015ARRAY TO SCORE SPEND QUESTION F015
cfsi_scoring_f016ARRAY TO SCORE SAVE QUESTION F016
cfsi_scoring_f017ARRAY TO SCORE SAVE QUESTION F017
cfsi_scoring_f018ARRAY TO SCORE BORROW QUESTION F018
cfsi_scoring_f019ARRAY TO SCORE BORROW QUESTION F019
cfsi_scoring_f020ARRAY TO SCORE PLAN QUESTION F020
cfsi_scoring_f021ARRAY TO SCORE PLAN QUESTION F021
financial_health_borrow_subscoreFINANCIAL HEALTH BORROW SUB-SCOREFINANCIAL HEALTH SCALE BORROW SUB-SCORE
financial_health_plan_subscoreFINANCIAL HEALTH PLAN SUB-SCOREFINANCIAL HEALTH SCALE PLAN SUB-SCORE
financial_health_save_subscoreFINANCIAL HEALTH SAVE SUB-SCOREFINANCIAL HEALTH SCALE SAVE SUB-SCORE
financial_health_spend_subscoreFINANCIAL HEALTH SPEND SUB-SCOREFINANCIAL HEALTH SCALE SPEND SUB-SCORE
financial_health_totalscoreFINANCIAL HEALTH TOTAL SCOREFINANCIAL HEALTH TOTAL SCORE
householdFILL FOR TABLES ASKING ABOUT R AND R'S OTHER HH MEMBERS
score_f012F012 SCORECFSI SCORED VALUE FOR F012
score_f015F015 SCORECFSI SCORED VALUE FOR F015
score_f016F016 SCORECFSI SCORED VALUE FOR F016
score_f017F017 SCORECFSI SCORED VALUE FOR F017
score_f018F018 SCORECFSI SCORED VALUE FOR F018
score_f019F019 SCORECFSI SCORED VALUE FOR F019
score_f020F020 SCORECFSI SCORED VALUE FOR F020
score_f021F021 SCORECFSI SCORED VALUE FOR F021