Introduction: Please check one answer in all cases, unless specified otherwise. Many of the questions in this survey will ask about your “household’s” financial situation. “Household” includes you and others living with you who contribute financially to your home. As you answer these questions, please think about all of your household members’ finances, taken as a whole. If you live alone, or do not consider anyone else to be a member of your household, please answer these questions as individual.

Participation in the study is completely voluntary and confidential. All the information collected will be used for research purposes only. We ask for information about income, expenses, debt, and assets because it is extremely important for our understanding of how households manage their finances. We will be asking a number of questions that have dollar answers. The most useful answer is an exact amount that reflects your situation. However, this is not always possible—you may not know the exact values in some cases. You can answer our questions using best guesses if you don't know the exact amounts. You can also consult any knowledgeable person or use any records and notes to answer our questions. Your answers will remain completely anonymous. We thank you for answering our questions.

Which of the following best describes your household finances? Do the adults in this household…

How much do you participate in making financial decisions for your household?

In the last 12 months, how often were you able to easily predict your household’s income for the following month?

In 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:

Do 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.

In 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?

Does your household use a budget or other type of plan to track and manage your spending?

Does your household use automatic money transfers to transfer money to savings or investments?

Do you have at least one credit card?

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?

Has your household attempted to calculate how much you currently need to save for retirement?

Which of the following statements best describes how your household’s total spending compared to total income, over the last 12 months?

Which of the following statements best describes how your household has paid its bills over the last 12 months?

At 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?

Thinking 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?

Now 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 would you rate your credit score? Your credit score is a number that tells lenders how risky or safe you are as a borrower.

Thinking 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?

To what extent do you agree or disagree with the following statement: “My household plans ahead financially.”

Have you or anyone in your household ever talked with a financial planner or advisor or coach?

How frequently did your family struggle financially while you were growing up?

How frequently did your family discuss financial matters with you or around you while you were growing up?

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?

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?

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.”

To what extent are you able to carry out your everyday physical activities such as walking, climbing stairs, carrying groceries, or moving a chair?

Over the last 12 months, how much stress, if any, did your finances cause you?

Do you currently have health insurance (including employer-paid, private, Medicare/Medicaid, Military, Veterans, Indian Health Service, or any other type of medical coverage)?

Now you can practice. This first practice set will last about 1 minute. Please click "Next" when you are ready to begin.

DEMONSTRATION

Now you will do just the REVERSE of what you have been doing. So when you see RED you will press the letter G for “go.” When you see GREEN you will press the letter S for “stop.”

Try to be accurate, but answer as quickly as you can.

Please click 'Next' to continue.

Now you can practice. This practice set will last about 1 minute. Please click “Next” when you are ready to begin.

DEMONSTRATION

Now we are going to mix up these two types of responses. When you see the word NORMAL, you will respond the way you did at first: RED means “stop” (S), GREEN means “go” (G). But when you see the word REVERSE, you will give the reverse responses: RED means “go” (G), GREEN means “stop” (S).

We will alternate between the NORMAL and the REVERSE every few trials.

Try to be accurate, but answer as quickly as you can.

Please click "Next" to continue.

DEMONSTRATION

Current rules:

NORMAL

Please click "Next" to continue.

DEMONSTRATION

Current rules:

REVERSE

Please click "Next" to continue.

PRACTICE

Now, please practice a few times on your own.

Please press "Next" to continue.

PRACTICE

Current rules:

NORMAL

Please click "Next" to continue.

PRACTICE

Current rules:

REVERSE

Please click "Next" to continue.

We are now ready to begin. This will take about one minute. Please click "Next" when you are ready to begin.

Thanks for completing our survey!

We will contact you the first week of [September/October/November/December/January/February] to answer our questions using the UAS mobile app.