finances

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Variable Question text Label
F001Which of the following best describes your household finances? Do the adults in this household…HOUSEHOLD FINANCES DESCRIPTION
F002How much do you participate in making financial decisions for your household?PARTICIPATION IN FINANCIAL DECISIONS
F003In the last 12 months, how often were you able to easily predict your household’s income for the following month?HOW EASILY ABLE TO PREDICT HH MONTHLY INCOME
F004In the last 12 months, which of the following statements best describes how your household’s income varied from month to month, if at all?

My household's income:
HH MONTHLY INCOME VARIATION
F005In the last 12 months, how often did you receive your main source of income every month?INCOME FREQUENCY
F005_otherINCOME FREQUENCY--OTHER FREQUENCY
F006In the last 12 months, when did you receive regularly your main source of income every month for the first time? INCOME FREQUENCY WEEK
F007AWages and salariesINCOME SOURCES--WAGES AND SALARIES
F007BSelf-employmentINCOME SOURCES--SELF-EMPLOYMENT
F007COccasional work activities or side jobs (do not include income from UAS)INCOME SOURCES--SIDE WORK
F007DInterest, dividends, or rental incomeINCOME SOURCES--INTEREST, DIVIDENTS, RENTAL INCOME
F007ESocial security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfareINCOME SOURCES--SOCIAL SECURITY, RETIREMENT, PUBLIC ASSISTANCE
F007FAny other incomeINCOME SOURCES--ANY OTHER INCOME
F008A_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES--DK
F008A_RWages or salaries MONTHLY NET INCOME FROM RESPONDENT WAGES
F008A_SMONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES
F008B_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER SELF EMPLOYMENT--DK
F008B_RSelf-employment MONTHLY NET INCOME FROM RESPONDENT SELF EMPLOYMENT
F008B_SMONTHLY NET INCOME FROM SPOUSE/PARTNER SELF EMPLOYMENT
F008C_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER SIDE JOBS--DK
F008C_ROccasional work activities or side jobs (do not include income from UAS) MONTHLY NET INCOME FROM RESPONDENT SIDE JOBS
F008C_SMONTHLY NET INCOME FROM SPOUSE/PARTNER SIDE JOBS
F008D_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST--DK
F008D_RInterest, dividends, or rental income MONTHLY NET INCOME FROM RESPONDENT INTEREST
F008D_SMONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST
F008E_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY--DK
F008E_RSocial security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfare MONTHLY NET INCOME FROM RESPONDENT SOCIAL SECURITY
F008E_SMONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY
F008F_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER OTHER INCOME--DK
F008F_RAny other income MONTHLY NET INCOME FROM RESPONDENT OTHER INCOME
F008F_SMONTHLY NET INCOME FROM SPOUSE/PARTNER OTHER INCOME
F008_headers
F008_headers2
F009A_AmtRent/mortgage REGULAR MONTHLY SPENDING ON RENT/MORTGAGE
F009A_NoSpendRENT/MORTGAGE--DIDN'T SPEND REGULARLY
F009B_AmtHousing related expenses (electricity, gas, water, maintenance or repairs, phone, cellphone, internet, insurance, Home Owner Association fees) REGULAR MONTHLY SPENDING ON HOUSING RELATED EXPENSES
F009B_NoSpendHOUSING RELATED EXPENSES--DIDN'T SPEND REGULARLY
F009C_AmtTransportation (car payment, car insurance, gasoline, other fuels, bus/metro/taxi rides) REGULAR MONTHLY SPENDING ON TRANSPORTATION
F009C_NoSpendTRANSPORTATION--DIDN'T SPEND REGULARLY
F009D_AmtEducation and childcare (tuition and fees, materials, wages) REGULAR MONTHLY SPENDING ON EDUCATION/CHILDCARE
F009D_NoSpendEDUCATION AND CHILDCARE--DIDN'T SPEND REGULARLY
F009E_AmtHealth (medical bills, medicines, co-pay, health insurance payment) REGULAR MONTHLY SPENDING ON HEALTH
F009E_NoSpendHEALTH--DIDN'T SPEND REGULARLY
F009F_AmtGroceries (food, beverages, snacks, and cleaning supplies for the house)REGULAR MONTHLY SPENDING ON GROCERIES
F009F_NoSpendGROCERIES--DIDN'T SPEND REGULARLY
F009G_AmtEating out (restaurants, coffee shops, etc.) REGULAR MONTHLY SPENDING ON EATING OUT
F009G_NoSpendEATING OUT--DIDN'T SPEND REGULARLY
F009H_AmtAny other expense (entertainment and recreation, clothing and personal care, etc.)REGULAR MONTHLY SPENDING ON ANY OTHER EXPENSE
F009H_NoSpendANY OTHER EXPENSE--DIDN'T SPEND REGULARLY
F009_headers
F010Do you (and your spouse/and your partner) own your home, rent it, or what?OWN OR RENT HOME
F010_otherOWN OR RENT HOME--OTHER
F011If you own your home, what is its present value? What would it bring if it were sold today? Please enter zero if your home currently has no value.HOME PRESENT VALUE
F012Do you (and your spouse/and your partner) own anything for transportation, like cars, trucks, a trailer, a motor home, or a boat? Do not include leased vehicles.OWN TRANSPORTATION
F013What are they worth altogether, minus anything you still owe on them? Please enter zero if your transportation currently has no value.TRANSPORTATION TOTAL VALUE
F014AChecking accountHAVE CHECKING ACCOUNT
F014BSavings accountHAVE SAVINGS ACCOUNT
F014CSavings in cashHAVE SAVINGS IN CASH
F014DRetirement account (401k, 403b, IRA) or employer-provided traditional pensionHAVE RETIREMENT ACCOUNT
F014EOther personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.HAVE OTHER PERSONAL SAVINGS
F014FOther financial assets or accounts excluding real estate or housing (please specify)~F014F_other HAVE OTHER FINANCIAL ASSETS
F014F_otherHAVE OTHER FINANCIAL ASSETS--OTHER SPECIFY
F014GCash in wallet/purse/pocketHAVE CASH IN WALLET/PURSE/POCKET
F015A_DK_RCURRENT VALUE OF CHECKING ACCOUNT--DK RESPONDENT
F015A_DK_SCURRENT VALUE OF CHECKING ACCOUNT--DK SPOUSE/PARTNER
F015A_RChecking accountCURRENT VALUE OF CHECKING ACCOUNT RESPONDENT
F015A_SCURRENT VALUE OF CHECKING ACCOUNT SPOUSE/PARTNER
F015B_DK_RCURRENT VALUE OF SAVINGS ACCOUNT--DK RESPONDENT
F015B_DK_SCURRENT VALUE OF SAVINGS ACCOUNT--DK SPOUSE/PARTNER
F015B_RSavings accountCURRENT VALUE OF SAVINGS ACCOUNT RESPONDENT
F015B_SCURRENT VALUE OF SAVINGS ACCOUNT SPOUSE/PARTNER
F015C_DK_RCURRENT VALUE OF SAVINGS IN CASH--DK RESPONDENT
F015C_DK_SCURRENT VALUE OF SAVINGS IN CASH--DK SPOUSE/PARTNER
F015C_RSavings in cashCURRENT VALUE OF SAVINGS IN CASH RESPONDENT
F015C_SCURRENT VALUE OF SAVINGS IN CASH SPOUSE/PARTNER
F015D_DK_RCURRENT VALUE OF RETIREMENT ACCOUNT--DK RESPONDENT
F015D_DK_SCURRENT VALUE OF RETIREMENT ACCOUNT--DK SPOUSE/PARTNER
F015D_RRetirement account (401k, 403(b), IRA) or employer-provided traditional pensionCURRENT VALUE OF RETIREMENT ACCOUNT RESPONDENT
F015D_SCURRENT VALUE OF RETIREMENT ACCOUNT SPOUSE/PARTNER
F015E_DK_RCURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK RESPONDENT
F015E_DK_SCURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK SPOUSE/PARTNER
F015E_ROther personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS RESPONDENT
F015E_SCURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS SPOUSE/PARTNER
F015F_DK_RCURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK RESPONDENT
F015F_DK_SCURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK SPOUSE/PARTNER
F015F_ROther financial assets or accounts excluding real estate or housing: ^FLF015F CURRENT VALUE OF OTHER ASSETS/ACCOUNTS RESPONDENT
F015F_SCURRENT VALUE OF OTHER ASSETS/ACCOUNTS SPOUSE/PARTNER
F015G_DK_RCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK RESPONDENT
F015G_DK_SCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK SPOUSE/PARTNER
F015G_RCash in wallet/purse/pocketCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET RESPONDENT
F015G_SCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET SPOUSE/PARTNER
F015_headers
F015_headers2
F016AAuto loansTYPES OF DEBT--AUTO LOANS
F016BStudent loansTYPES OF DEBT--STUDENT LOANS
F016COutstanding credit card balances carried over from previous monthsTYPES OF DEBT--CREDIT CARD BALANCES
F016DMedical debtsTYPES OF DEBT--MEDICAL DEBTS
F016EMortgages and home equity line of creditTYPES OF DEBT--MORTGAGES
F016FOther loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above) TYPES OF DEBT--OTHER LOANS
F016GMoney borrowed from family and friendsTYPES OF DEBT--MONEY BORROWED
F016HOther debts not listed, please specify:~F016H_other TYPES OF DEBT--OTHER DEBTS NOT LISTED
F016H_otherTYPES OF DEBT--OTHER DEBTS NOT LISTED SPECIFY
F017A_AmtAuto loansDEBT AMOUNT--AUTO LOANS
F017A_DKDEBT AMOUNT--AUTO LOANS DK
F017B_AmtStudent loansDEBT AMOUNT--STUDENT LOANS
F017B_DKDEBT AMOUNT--STUDENT LOANS DK
F017C_AmtOutstanding credit card balances carried over from previous monthsDEBT AMOUNT--CREDIT CARD BALANCES
F017C_DKDEBT AMOUNT--CREDIT CARD BALANCES DK
F017D_AmtMedical debtsDEBT AMOUNT--MEDICAL DEBTS
F017D_DKDEBT AMOUNT--MEDICAL DEBTS DK
F017E_AmtMortgages and home equity line of creditDEBT AMOUNT--MORTGAGES
F017E_DKDEBT AMOUNT--MORTGAGES DK
F017F_AmtOther loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above)DEBT AMOUNT--OTHER LOANS
F017F_DKDEBT AMOUNT--OTHER LOANS DK
F017G_AmtMoney borrowed from family or friendsDEBT AMOUNT--MONEY BORROWED
F017G_DKDEBT AMOUNT--MONEY BORROWED DK
F017H_AmtOther debts not listed, please specify:^FLF017HDEBT AMOUNT--OTHER DEBTS NOT LISTED
F017H_DKDEBT AMOUNT--OTHER DEBT NOT LISTED DK
F017_headers
F018Overall, which one of the following best describes how well you are managing financially these days?HOW MANAGING FINANCIALLY
F019Which best describes your ability to pay all of your bills in full this month?ABILITY TO PAY ALL BILLS THIS MONTH
F020ABecause of my money situation, I feel like I will never have the things I want in lifeWILL NEVER HAVE THE THINGS I WANT
F020BI am just getting by financiallyJUST GETTING BY FINANCIALLY
F020CI am concerned that the money I have or will save won't lastCONCERNED MONEY WON'T LAST
F021AI have money left over at the end of the monthMONEY LEFT OVER
F021BMy finances control my lifeFINANCES CONTROL LIFE
F022AI worried whether our food would run out before I got money to buy moreWORRIED FOOD WOULD RUN OUT
F022BWe had trouble paying our rent or mortgageTROUBLE PAYING RENT/MORTGAGE
F022CI or someone in my household did not get healthcare we needed because we couldn’t afford itCOULDN'T AFFORD NEEDED HEALTHCARE
F023Aa money orderUSED MONEY ORDER
F023Ba check-cashing serviceUSED CHECK-CASHING SERVICE
F023Ca tax refund anticipation loanUSED TAX REFUND LOAN
F023Da pawn shop loan, a payday loan, an auto title loan, or a paycheck advance/deposit advanceUSED PAWN SHOP/PAYDAY/AUTO TITLE LOAN
F024In the past 12 months, have you or someone in your household used your mobile phone to check a bank account balance or recent transaction, either through the bank’s mobile website or the bank’s mobile app? USED PHONE TO CHECK ACCOUNT
F025Does your household use a budget or other type of plan to track and manage your spending?HOUSEHOLD USE A BUDGET
F026Does your household use automatic money transfers to transfer money to savings or investments?USE AUTOMATIC MONEY TRANSFERS
F027Do you have at least one credit card?HAVE AT LEAST ONE CREDIT CARD
F028In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?HOW FREQUENTLY CARRIED AN UNPAID CREDIT CARD BALANCE
F029In the past 12 months, how frequently have you paid only the minimum payment on one or more of your credit cards?HOW FREQUENTLY PAID THE CREDIT CARD MINIMUM
F030Have 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?SET ASIDE EMERGENCY FUNDS FOR 3 MONTHS
F031If you were to lose your main source of income (e.g. job, government benefits), could you cover your expenses for 3 months by borrowing money, using savings, selling assets, or borrowing from friends/family?EMERGENCY SAVINGS TO COVER EXPENSES
F032Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense? If you would use more than one method to cover this expense, please select all that apply.HOW WOULD PAY FOR $400 EXPENSE
F032_otherHOW WOULD PAY FOR $400 EXPENSE--OTHER
F033Has your household attempted to calculate how much you currently need to save for retirement?HOUSEHOLD CALCULATED NEEDED RETIREMENT SAVINGS
F034Which of the following statements best describes how your household’s total spending compared to total income, over the last 12 months?SPENDING COMPARISON TO TOTAL INCOME
F035Which of the following statements best describes how your household has paid its bills over the last 12 months?HOW HOUSEHOLD PAID BILLS ON TIME
F036At 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 COVER EXPENSES WITH CURRENT SPENDING
F037Thinking 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?DOING WHAT IS NEEDED FOR LONG TERM GOALS
F038Now 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?
HOUSEHOLD DEBT MANAGEABILITY
F039How 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
F040Thinking 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?INSURANCE COVERAGE WILL PROVIDE ENOUGH SUPPORT
F041To what extent do you agree or disagree with the following statement: “My household plans ahead financially.”HOUSEHOLD PLANS AHEAD FINANCIALLY
F042Have you or anyone in your household ever talked with a financial planner or advisor or coach?TALKED WITH FINANCIAL PLANNER
F043How frequently did your family struggle financially while you were growing up?FAMILY STRUGGLED FINANCIALLY GROWING UP
F044How frequently did your family discuss financial matters with you or around you while you were growing up?FAMILY DISCUSSED FINANCIAL MATTERS WHEN GROWING UP
F045Imagine 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?INTEREST VS INFLATION
F046Suppose 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?SAVINGS INTEREST RATE GROWTH
F047Do 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.”
COMPANY STOCK VS STOCK MUTUAL FUND
FLF008FILL FOR F008
FLF015FFILL FOR F015F
FLF017HFILL FOR F017H
cfsi_scoring_f034ARRAY TO SCORE CFSI SPEND QUESTION F034
cfsi_scoring_f035ARRAY TO SCORE CFSI SPEND QUESTION F035
cfsi_scoring_f036ARRAY TO SCORE CFSI SAVE QUESTION F036
cfsi_scoring_f037ARRAY TO SCORE CFSI SAVE QUESTION F037
cfsi_scoring_f038ARRAY TO SCORE CFSI BORROW QUESTION F038
cfsi_scoring_f039ARRAY TO SCORE CFSI BORROW QUESTION F039
cfsi_scoring_f040ARRAY TO SCORE CFSI PLAN QUESTION F040
cfsi_scoring_f041ARRAY TO SCORE CFSI PLAN QUESTION F041
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_f034F034 SCORECFSI SCORED VALUE FOR F034
score_f035F035 SCORECFSI SCORED VALUE FOR F035
score_f036F036 SCORECFSI SCORED VALUE FOR F036
score_f037F037 SCORECFSI SCORED VALUE FOR F037
score_f038F038 SCORECFSI SCORED VALUE FOR F038
score_f039F039 SCORECFSI SCORED VALUE FOR F039
score_f040F040 SCORECFSI SCORED VALUE FOR F040
score_f041F041 SCORECFSI SCORED VALUE FOR F041