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Variable Question text Label
F008A_AmtAMOUNT RESPONDENT WITHDRAWN FROM CHECKING ACCOUNT
F008A_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM CHECKING ACCOUNT
F008A_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM CHECKING ACCOUNT--DK
F008A_NoWithdrawalChecking accountAMOUNT WITHDRAWN FROM CHECKING ACCOUNT--DIDN'T WITHDRAW
F008B_AmtAMOUNT RESPONDENT WITHDRAWN FROM SAVINGS ACCOUNT
F008B_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS ACCOUNT
F008B_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS ACCOUNT--DK
F008B_NoWithdrawalSavings accountAMOUNT WITHDRAWN FROM SAVINGS ACCOUNT--DIDN'T WITHDRAW
F008C_AmtAMOUNT RESPONDENT WITHDRAWN FROM SAVINGS IN CASH
F008C_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS IN CASH
F008C_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM SAVINGS IN CASH--DK
F008C_NoWithdrawalSavings in cashAMOUNT WITHDRAWN FROM CASH SAVINGS--DIDN'T WITHDRAW
F008D_AmtAMOUNT RESPONDENT WITHDRAWN FROM RETIREMENT ACCOUNT
F008D_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM RETIREMENT ACCOUNT
F008D_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM RETIREMENT ACCOUNT--DK
F008D_NoWithdrawalRetirement account (401k, 403(b), IRA) or employer-provided traditional pensionAMOUNT WITHDRAWN FROM RETIREMENT ACCOUNT--DIDN'T WITHDRAW
F008E_AmtAMOUNT RESPONDENT WITHDRAWN FROM OTHER PERSONAL SAVINGS/INVESTMENTS
F008E_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER PERSONAL SAVINGS/INVESTMENTS
F008E_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER PERSONAL SAVINGS/INVESTMENTS--DK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or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.AMOUNT WITHDRAWN FROM OTHER SAVINGS/INVESTMENTS--DIDN'T WITHDRAW
F008F_AmtAMOUNT RESPONDENT WITHDRAWN FROM OTHER FINANCIAL ASSETS OR ACCOUNTS
F008F_Amt_SAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER FINANCIAL ASSETS
F008F_DKAMOUNT SPOUSE/PARTNER WITHDRAWN FROM OTHER FINANCIAL ASSETS--DK
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
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.Worked extra hours or took other actions to increase or supplement income
FN001Which of the following best describes your household finances for last month, ^FLmonthyear? Do the adults in this household...HOUSEHOLD FINANCES DESCRIPTION
FN002How much do you participate in making financial decisions for your household?PARTICIPATION IN FINANCIAL DECISIONS
FN003In the last 6 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
FN004In the last 6 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
FN005AWages or salariesINCOME RECEIVED FROM WAGES OR SALARIES
FN005BSelf-employmentINCOME RECEIVED FROM SELF EMPLOYMENT
FN005COccasional work activities or side jobs (do not include income from UAS)INCOME RECEIVED FROM OCCASIONAL WORK
FN005DInterest, dividends, or rental incomeINCOME RECEIVED FROM INTEREST/DIVIDENDS/RENTALS
FN005ESocial security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfareINCOME RECEIVED FROM SOCIAL SECURITY/RETIREMENT/UNEMPLOYMENT
FN005FAny other incomeINCOME RECEIVED FROM ANY OTHER SOURCE
FN006A_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES--DK
FN006A_RWages or salariesMONTHLY NET INCOME FROM RESPONDENT WAGES
FN006A_SMONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES
FN006B_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER SELF EMPLOYMENT--DK
FN006B_RSelf-employmentMONTHLY NET INCOME FROM RESPONDENT SELF EMPLOYMENT
FN006B_SMONTHLY NET INCOME FROM SPOUSE/PARTNER SELF-EMPLOYMENT
FN006C_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER OCCASIONAL WORK--DK
FN006C_ROccasional work activities or side jobs (do not include income from UAS)MONTHLY NET INCOME FROM RESPONDENT OCCASIONAL WORK
FN006C_SMONTHLY NET INCOME FROM SPOUSE/PARTNER OCCASIONAL WORK
FN006D_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST--DK
FN006D_RInterest, dividends, or rental incomeMONTHLY NET INCOME FROM RESPONDENT INTEREST/DIVIDENDS/RENT
FN006D_SMONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST/DIVIDENDS/RENT
FN006E_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY--DK
FN006E_RSocial security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfareMONTHLY NET INCOME FROM RESPONDENT SOCIAL SECURITY
FN006E_SMONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY
FN006F_DKMONTHLY NET INCOME FROM SPOUSE/PARTNER ANY OTHER SOURCE--DK
FN006F_RAny other incomeMONTHLY NET INCOME FROM ANY OTHER INCOME
FN006F_SMONTHLY NET INCOME FROM SPOUSE/PARTNER ANY OTHER SOURCE
FN007A_AmtRent/mortgageAMOUNT SPENT ON RENT/MORTGAGE
FN007A_NoSpendRENT/MORTGAGE--DIDN'T SPEND REGULARLY
FN007B_AmtHousing related expenses (electricity, gas, water, maintenance or repairs, phone, cellphone, internet, insurance, Home Owner Association fees)AMOUNT SPENT ON HOUSING RELATED EXPENSES
FN007B_NoSpendHOUSING RELATED EXPENSES--DIDN'T SPEND REGULARLY
FN007C_AmtTransportation (car payment, car insurance, gasoline, other fuels, bus/metro/taxi rides)AMOUNT SPENT ON TRANSPORTATION
FN007C_NoSpendTRANSPORTATION--DIDN'T SPEND REGULARLY
FN007D_AmtEducation and childcare (tuition and fees, materials, wages)AMOUNT SPENT ON EDUCATION AND CHILDCARE
FN007D_NoSpendEDUCATION AND CHILDCARE--DIDN'T SPEND REGULARLY
FN007E_AmtHealth (medical bills, medicines, co-pay, health insurance payment)AMOUNT SPENT ON HEALTH
FN007E_NoSpendHEALTH--DIDN'T SPEND REGULARLY
FN007F_AmtGroceries (food, beverages, snacks, and cleaning supplies for the house)AMOUNT SPENT ON GROCERIES
FN007F_NoSpendGROCERIES--DIDN'T SPEND REGULARLY
FN007G_AmtEating out (restaurants, coffee shops, etc.)AMOUNT SPENT ON EATING OUT
FN007G_NoSpendEATING OUT--DIDN'T SPEND REGULARLY
FN007H_AmtAny other expense (entertainment and recreation, clothing and personal care, etc.)AMOUNT SPENT ON ANY OTHER EXPENSE
FN007H_NoSpendANY OTHER EXPENSE--DIDN'T SPEND REGULARLY
FN008Do you (and your spouse/and your partner) own your home, rent it, or what?OWN OR RENT HOME
FN009If 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
FN010Do 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
FN011What are they worth altogether, minus anything you still owe on them? Please enter zero if your transportation currently has no value.TRANSPORTATION TOTAL VALUE
FN012AChecking accountHAVE CHECKING ACCOUNT
FN012BSavings accountHAVE SAVINGS ACCOUNT
FN012CSavings in cashHAVE SAVINGS IN CASH
FN012DRetirement account (401k, 403b, IRA) or employer-provided traditional pensionHAVE RETIREMENT ACCOUNT
FN012EOther personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.HAVE OTHER PERSONAL SAVINGS OR INVESTMENTS
FN012FOther financial assets or accounts excluding real estate or housing, please specify:~FN012F_other HAVE OTHER FINANCIAL ASSETS
FN012GCash in wallet/purse/pocketHAVE CASH IN WALLET/PURSE/POCKET
FN013A_DK_RCURRENT VALUE OF CHECKING ACCOUNT--DK RESPONDENT
FN013A_DK_SCURRENT VALUE OF CHECKING ACCOUNT--DK SPOUSE/PARTNER
FN013A_RChecking accountCURRENT VALUE OF CHECKING ACCOUNT RESPONDENT
FN013A_SCURRENT VALUE OF CHECKING ACCOUNT SPOUSE/PARTNER
FN013B_DK_RCURRENT VALUE OF SAVINGS ACCOUNT--DK RESPONDENT
FN013B_DK_SCURRENT VALUE OF SAVINGS ACCOUNT--DK SPOUSE/PARTNER
FN013B_RSavings accountCURRENT VALUE OF SAVINGS ACCOUNT RESPONDENT
FN013B_SCURRENT VALUE OF SAVINGS ACCOUNT SPOUSE/PARTNER
FN013C_DK_RCURRENT VALUE OF SAVINGS IN CASH--DK RESPONDENT
FN013C_DK_SCURRENT VALUE OF SAVINGS IN CASH--DK SPOUSE/PARTNER
FN013C_RSavings in cashCURRENT VALUE OF SAVINGS IN CASH RESPONDENT
FN013C_SCURRENT VALUE OF SAVINGS IN CASH SPOUSE/PARTNER
FN013D_DK_RCURRENT VALUE OF RETIREMENT ACCOUNT--DK RESPONDENT
FN013D_DK_SCURRENT VALUE OF RETIREMENT ACCOUNT--DK SPOUSE/PARTNER
FN013D_RRetirement account (401k, 403(b), IRA) or employer-provided traditional pensionCURRENT VALUE OF RETIREMENT ACCOUNT RESPONDENT
FN013D_SCURRENT VALUE OF RETIREMENT ACCOUNT SPOUSE/PARTNER
FN013E_DK_RCURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK RESPONDENT
FN013E_DK_SCURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK SPOUSE/PARTNER
FN013E_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
FN013E_SCURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS SPOUSE/PARTNER
FN013F_DK_RCURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK RESPONDENT
FN013F_DK_SCURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK SPOUSE/PARTNER
FN013F_ROther financial assets or accounts excluding real estate or housing: ^FLFN013FCURRENT VALUE OF OTHER ASSETS/ACCOUNTS RESPONDENT
FN013F_SCURRENT VALUE OF OTHER ASSETS/ACCOUNTS SPOUSE/PARTNER
FN013G_DK_RCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK RESPONDENT
FN013G_DK_SCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK SPOUSE/PARTNER
FN013G_RCash in wallet/purse/pocketCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET RESPONDENT
FN013G_SCURRENT VALUE OF CASH IN WALLET/PURSE/POCKET SPOUSE/PARTNER
FN013G_S_CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET SPOUSE/PARTNER
FN014AAuto loansPAID DEBT/INTEREST--AUTO LOANS
FN014BStudent loansPAID DEBT/INTEREST--STUDENT LOANS
FN014COutstanding credit card balances carried over from previous monthsPAID DEBT/INTEREST--CREDIT CARD BALANCES
FN014DMedical debtsPAID DEBT/INTEREST--MEDICAL DEBTS
FN014EMortgages and home equity line of creditPAID DEBT/INTEREST--MORTGAGES/HOME EQUITY LOANS
FN014FOther loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above) PAID DEBT/INTEREST--OTHER LOANS
FN014GMoney borrowed from family or friendsPAID DEBT/INTEREST--MONEY BORROWED FROM FAMILY OR FRIENDS
FN014HOther debts not listed, please specify:~FN014H_other PAID DEBT/INTEREST--OTHER DEBTS NOT LISTED
FN015A_AmtAuto loansAMOUNT OF CURRENT DEBT--AUTO LOANS
FN015A_DKDEBT AMOUNT DK--AUTO LOANS
FN015B_AmtStudent loansAMOUNT OF CURRENT DEBT--STUDENT LOANS
FN015B_DKDEBT AMOUNT DK--STUDENT LOANS
FN015C_AmtCredit cardsAMOUNT OF CURRENT DEBT--CREDIT CARDS
FN015C_DKDEBT AMOUNT DK--CREDIT CARDS
FN015D_AmtMedical debtsAMOUNT OF CURRENT DEBT--MEDICAL
FN015D_DKDEBT AMOUNT DK--MEDICAL DEBTS
FN015E_AmtMortgages and home equity line of creditAMOUNT OF CURRENT DEBT--MORTGAGES
FN015E_DKDEBT AMOUNT DK--MORTGAGES
FN015F_AmtOther loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above) AMOUNT OF CURRENT DEBT--OTHER LOANS
FN015F_DKDEBT AMOUNT DK--OTHER LOANS
FN015G_AmtMoney borrowed from family or friendsAMOUNT OF CURRENT DEBT--MONEY BORROWED
FN015G_DKDEBT AMOUNT DK--MONEY BORROWED
FN015H_AmtOther debts not listed above: ^FLFN015HAMOUNT OF CURRENT DEBT--OTHER DEBTS NOT LISTED
FN015H_DKDEBT AMOUNT DK--OTHER DEBTS NOT LISTED
FN016ABecause of my money situation, I feel like I will never have the things I want in lifeWILL NEVER HAVE THE THINGS I WANT
FN016BI am just getting by financiallyJUST GETTING BY FINANCIALLY
FN016CI am concerned that the money I have or will save won't lastCONCERNED MONEY WON'T LAST
FN017AI have money left over at the end of the monthMONEY LEFT OVER
FN017BMy finances control my lifeFINANCES CONTROL LIFE
FN018AI worried whether our food would run out before I got money to buy moreWORRIED FOOD WOULD RUN OUT
FN018BWe had trouble paying our rent or mortgageTROUBLE PAYING RENT/MORTGAGE
FN018CI or someone in my household did not get healthcare we needed because we couldn’t afford itCOULDN'T AFFORD NEEDED HEALTHCARE
FN019Aa money orderUSED MONEY ORDER
FN019Ba check-cashing serviceUSED CHECK-CASHING SERVICE
FN019Ca tax refund anticipation loanUSED TAX REFUND LOAN
FN019Da pawn shop loan, a payday loan, an auto title loan, or a paycheck advance/deposit advanceUSED PAWN SHOP/PAYDAY/AUTO TITLE LOAN
FN020In the past 6 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
FN021Does your household use a budget or other type of plan to track and manage your spending?HOUSEHOLD USE A BUDGET
FN022Does your household use automatic money transfers to transfer money to savings or investments?USE AUTOMATIC MONEY TRANSFERS
FN023Do you have at least one credit card?HAVE AT LEAST ONE CREDIT CARD
FN024In the past 6 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
FN025In the past 6 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
FN026Have 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
FN027Suppose 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.Put it on my credit card and pay it off in full at the next statement
FN028Has your household attempted to calculate how much you currently need to save for retirement?HOUSEHOLD CALCULATED NEEDED RETIREMENT SAVINGS
FN029Which 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
FN030Which 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
FN031At 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
FN032Thinking 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
FN033Now 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
FN034How 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
FN035Thinking 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
FN036To what extent do you agree or disagree with the following statement: "My household plans ahead financially."AGREE THAT HOUSEHOLD PLANS AHEAD FINANCIALLY
FN037Have you or anyone in your household ever talked with a financial planner or advisor or coach?TALKED WITH FINANCIAL PLANNER
FN038How frequently did your family struggle financially while you were growing up?FAMILY STRUGGLED FINANCIALLY GROWING UP
FN039How frequently did your family discuss financial matters with you or around you while you were growing up?FAMILY DISCUSSED FINANCIAL MATTERS WHEN GROWING UP
FN040Imagine 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
FN041Suppose 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
FN042Do 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
cfsi_scoring_fn029ARRAY TO SCORE SPEND QUESTION FN029
cfsi_scoring_fn030ARRAY TO SCORE SPEND QUESTION FN030
cfsi_scoring_fn031ARRAY TO SCORE SAVE QUESTION FN031
cfsi_scoring_fn032ARRAY TO SCORE SAVE QUESTION FN032
cfsi_scoring_fn033ARRAY TO SCORE BORROW QUESTION FN033
cfsi_scoring_fn034ARRAY TO SCORE BORROW QUESTION FN034
cfsi_scoring_fn035ARRAY TO SCORE PLAN QUESTION FN035
cfsi_scoring_fn036ARRAY TO SCORE PLAN QUESTION FN036
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
score_fn029FN029 SCORECFSI SCORED VALUE FOR FN029
score_fn030FN030 SCORECFSI SCORED VALUE FOR FN030
score_fn031FN031 SCORECFSI SCORED VALUE FOR FN031
score_fn032FN032 SCORECFSI SCORED VALUE FOR FN032
score_fn033FN033 SCORECFSI SCORED VALUE FOR FN033
score_fn034FN034 SCORECFSI SCORED VALUE FOR FN034
score_fn035FN035 SCORECFSI SCORED VALUE FOR FN035
score_fn036FN036 SCORECFSI SCORED VALUE FOR FN036