Routing for MFD Baseline

intro1
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.
finances_intro
We would like to ask you some questions about your household finances
Fill code of question 'FLMonth' executed
F001 (HOUSEHOLD FINANCES DESCRIPTION)
Which of the following best describes your household finances? Do the adults in this household…
1 Share all finances
2 Share some finances
3 Share no finances at all
4 I am the only adult in the household
F002 (PARTICIPATION IN FINANCIAL DECISIONS)
How much do you participate in making financial decisions for your household?
1 A lot
2 Some
3 Not at all
F003 (HOW EASILY ABLE TO PREDICT HH MONTHLY INCOME)
In the last 12 months, how often were you able to easily predict your household’s income for the following month?
1 Every month
2 Most months
3 About half the time
4 A few months
5 I was never able to easily predict my next month’s income over the last 12 months
F004 (HH MONTHLY INCOME VARIATION)
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:
1 Was roughly the same each month
2 Occasionally varied from month to month
3 Varied quite often from month to month
Fill code of question 'household' executed
Group of questions presented on the same screen
F007_intro (INTRO TO F007 TABLE)
In the past 12 months, did your household receive any income from the following sources?

Subgroup of questions
F007A (INCOME SOURCES--WAGES AND SALARIES)
Wages and salaries
F007B (INCOME SOURCES--SELF-EMPLOYMENT)
Self-employment
F007C (INCOME SOURCES--SIDE WORK)
Occasional work activities or side jobs (do not include income from UAS)
F007D (INCOME SOURCES--INTEREST, DIVIDENTS, RENTAL INCOME)
Interest, dividends, or rental income
F007E (INCOME SOURCES--SOCIAL SECURITY, RETIREMENT, PUBLIC ASSISTANCE)
Social security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfare
F007F (INCOME SOURCES--ANY OTHER INCOME)
Any other income
End of subgroup of questions
End of group of questions
if F007A = 1 or F007B = 1 or F007C = 1 or F007D = 1 or F007E = 1 or F007F = 1 then
Fill code of question 'FLF008' executed
IF F001 != 4 THEN
Group of questions presented on the same screen
F008_intro
In the past 12 months, what was the amount that your household received as net income monthly regularly after taxes and deductions? Please answer in dollars ($_____.00).[ If you don’t know the amount of your spouse/partner/other select that option.]

Subgroup of questions
if F007A = 1 then
F008A_R (MONTHLY NET INCOME FROM RESPONDENT WAGES)
Wages or salaries
RANGE 0..9999999
F008A_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES)
RANGE 0..9999999
F008A_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES--DK)
End of if
if F007B = 1 then
F008B_R (MONTHLY NET INCOME FROM RESPONDENT SELF EMPLOYMENT)
Self-employment
RANGE 0..9999999
F008B_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER SELF EMPLOYMENT)
RANGE 0..9999999
F008B_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER SELF EMPLOYMENT--DK)
End of if
if F007C = 1 then
F008C_R (MONTHLY NET INCOME FROM RESPONDENT SIDE JOBS)
Occasional work activities or side jobs (do not include income from UAS)
RANGE 0..9999999
F008C_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER SIDE JOBS)
RANGE 0..9999999
F008C_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER SIDE JOBS--DK)
End of if
if F007D = 1 then
F008D_R (MONTHLY NET INCOME FROM RESPONDENT INTEREST)
Interest, dividends, or rental income
RANGE 0..9999999
F008D_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST)
RANGE 0..9999999
F008D_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST--DK)
End of if
if F007E = 1 then
F008E_R (MONTHLY NET INCOME FROM RESPONDENT SOCIAL SECURITY)
Social security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfare
RANGE 0..9999999
F008E_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY)
RANGE 0..9999999
F008E_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY--DK)
End of if
if F007F = 1 then
F008F_R (MONTHLY NET INCOME FROM RESPONDENT OTHER INCOME)
Any other income
RANGE 0..9999999
F008F_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER OTHER INCOME)
RANGE 0..9999999
F008F_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER OTHER INCOME--DK)
End of if
End of subgroup of questions
custom_error
F008scripts
End of group of questions
Else
Group of questions presented on the same screen
F008_intro
In the past 12 months, what was the amount that your household received as net income monthly regularly after taxes and deductions? Please answer in dollars ($_____.00).[ If you don’t know the amount of your spouse/partner/other select that option.]

Subgroup of questions
if F007A = 1 then
F008A_R (MONTHLY NET INCOME FROM RESPONDENT WAGES)
Wages or salaries
RANGE 0..9999999
End of if
if F007B = 1 then
F008B_R (MONTHLY NET INCOME FROM RESPONDENT SELF EMPLOYMENT)
Self-employment
RANGE 0..9999999
End of if
if F007C = 1 then
F008C_R (MONTHLY NET INCOME FROM RESPONDENT SIDE JOBS)
Occasional work activities or side jobs (do not include income from UAS)
RANGE 0..9999999
End of if
if F007D = 1 then
F008D_R (MONTHLY NET INCOME FROM RESPONDENT INTEREST)
Interest, dividends, or rental income
RANGE 0..9999999
End of if
if F007E = 1 then
F008E_R (MONTHLY NET INCOME FROM RESPONDENT SOCIAL SECURITY)
Social security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfare
RANGE 0..9999999
End of if
if F007F = 1 then
F008F_R (MONTHLY NET INCOME FROM RESPONDENT OTHER INCOME)
Any other income
RANGE 0..9999999
End of if
End of subgroup of questions
End of group of questions
End of if
End of if
Group of questions presented on the same screen
F009_intro
In the past 12 months, how much did your household spend in a monthly basis regularly for any of the following categories? Please answer in dollars ($_____.00). If the household didn’t spend in that category in a regular basis please select that option.

Subgroup of questions
F009A_Amt (REGULAR MONTHLY SPENDING ON RENT/MORTGAGE)
Rent/mortgage
RANGE 1..9999999
F009A_NoSpend (RENT/MORTGAGE--DIDN'T SPEND REGULARLY)
F009B_Amt (REGULAR MONTHLY SPENDING ON HOUSING RELATED EXPENSES)
Housing related expenses (electricity, gas, water, maintenance or repairs, phone, cellphone, internet, insurance, Home Owner Association fees)
RANGE 1..9999999
F009B_NoSpend (HOUSING RELATED EXPENSES--DIDN'T SPEND REGULARLY)
F009C_Amt (REGULAR MONTHLY SPENDING ON TRANSPORTATION)
Transportation (car payment, car insurance, gasoline, other fuels, bus/metro/taxi rides)
RANGE 1..9999999
F009C_NoSpend (TRANSPORTATION--DIDN'T SPEND REGULARLY)
F009D_Amt (REGULAR MONTHLY SPENDING ON EDUCATION/CHILDCARE)
Education and childcare (tuition and fees, materials, wages)
RANGE 1..9999999
F009D_NoSpend (EDUCATION AND CHILDCARE--DIDN'T SPEND REGULARLY)
F009E_Amt (REGULAR MONTHLY SPENDING ON HEALTH)
Health (medical bills, medicines, co-pay, health insurance payment)
RANGE 1..9999999
F009E_NoSpend (HEALTH--DIDN'T SPEND REGULARLY)
F009F_Amt (REGULAR MONTHLY SPENDING ON GROCERIES)
Groceries (food, beverages, snacks, and cleaning supplies for the house)
RANGE 1..9999999
F009F_NoSpend (GROCERIES--DIDN'T SPEND REGULARLY)
F009G_Amt (REGULAR MONTHLY SPENDING ON EATING OUT)
Eating out (restaurants, coffee shops, etc.)
RANGE 1..9999999
F009G_NoSpend (EATING OUT--DIDN'T SPEND REGULARLY)
F009H_Amt (REGULAR MONTHLY SPENDING ON ANY OTHER EXPENSE)
Any other expense (entertainment and recreation, clothing and personal care, etc.)
RANGE 1..9999999
F009H_NoSpend (ANY OTHER EXPENSE--DIDN'T SPEND REGULARLY)
End of subgroup of questions
custom_error
F009scripts
End of group of questions
Group of questions presented on the same screen
F010 (OWN OR RENT HOME)
Do you (and your spouse/and your partner) own your home, rent it, or what?
1 Own (or buying)
2 Rent
3 Live rent-free with relative/employer/friend
4 Other, please specify:
F010_other (OWN OR RENT HOME--OTHER)
STRING
End of group of questions
if F010 = 1 then
F011 (HOME PRESENT VALUE)
If 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.
RANGE 0..9223372036854775807
End of if
F012 (OWN TRANSPORTATION)
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.
if F012 = 1 then
F013 (TRANSPORTATION TOTAL VALUE)
What are they worth altogether, minus anything you still owe on them? Please enter zero if your transportation currently has no value.
RANGE 0..9223372036854775807
End of if
Group of questions presented on the same screen
F014_intro
Do you or anyone in your household have any of the following financial assets or accounts?

Subgroup of questions
F014G (HAVE CASH IN WALLET/PURSE/POCKET)
Cash in wallet/purse/pocket
F014A (HAVE CHECKING ACCOUNT)
Checking account
F014B (HAVE SAVINGS ACCOUNT)
Savings account
F014C (HAVE SAVINGS IN CASH)
Savings in cash
F014D (HAVE RETIREMENT ACCOUNT)
Retirement account (401k, 403b, IRA) or employer-provided traditional pension
F014E (HAVE OTHER PERSONAL SAVINGS)
Other personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.
F014F (HAVE OTHER FINANCIAL ASSETS)
Other financial assets or accounts excluding real estate or housing (please specify)
F014F_other (HAVE OTHER FINANCIAL ASSETS--OTHER SPECIFY)
STRING
End of subgroup of questions
End of group of questions
if F014G = 1 or F014A = 1 or F014B = 1 or F014C = 1 or F014D = 1 or F014E = 1 or F014F = 1 then
if F014F = 1 then
Fill code of question 'FLF015F' executed
End of if
IF F001 != 4 THEN
Group of questions presented on the same screen
F015_intro
For each of the following financial assets or accounts, please estimate the current value of that account. Just your best guess will do. Please answer in dollars ($_____.00).

Subgroup of questions
if F014G = 1 then
F015G_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET RESPONDENT)
Cash in wallet/purse/pocket
RANGE 0..9999999
F015G_DK_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK RESPONDENT)
F015G_S (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET SPOUSE/PARTNER)
RANGE 0..9999999
F015G_DK_S (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK SPOUSE/PARTNER)
End of if
if F014A = 1 then
F015A_R (CURRENT VALUE OF CHECKING ACCOUNT RESPONDENT)
Checking account
RANGE 0..9999999
F015A_DK_R (CURRENT VALUE OF CHECKING ACCOUNT--DK RESPONDENT)
F015A_S (CURRENT VALUE OF CHECKING ACCOUNT SPOUSE/PARTNER)
RANGE 0..9999999
F015A_DK_S (CURRENT VALUE OF CHECKING ACCOUNT--DK SPOUSE/PARTNER)
End of if
if F014B = 1 then
F015B_R (CURRENT VALUE OF SAVINGS ACCOUNT RESPONDENT)
Savings account
RANGE 0..9999999
F015B_DK_R (CURRENT VALUE OF SAVINGS ACCOUNT--DK RESPONDENT)
F015B_S (CURRENT VALUE OF SAVINGS ACCOUNT SPOUSE/PARTNER)
RANGE 0..9999999
F015B_DK_S (CURRENT VALUE OF SAVINGS ACCOUNT--DK SPOUSE/PARTNER)
End of if
if F014C = 1 then
F015C_R (CURRENT VALUE OF SAVINGS IN CASH RESPONDENT)
Savings in cash
RANGE 0..9999999
F015C_DK_R (CURRENT VALUE OF SAVINGS IN CASH--DK RESPONDENT)
F015C_S (CURRENT VALUE OF SAVINGS IN CASH SPOUSE/PARTNER)
RANGE 0..9999999
F015C_DK_S (CURRENT VALUE OF SAVINGS IN CASH--DK SPOUSE/PARTNER)
End of if
if F014D = 1 then
F015D_R (CURRENT VALUE OF RETIREMENT ACCOUNT RESPONDENT)
Retirement account (401k, 403(b), IRA) or employer-provided traditional pension
RANGE 0..9999999
F015D_DK_R (CURRENT VALUE OF RETIREMENT ACCOUNT--DK RESPONDENT)
F015D_S (CURRENT VALUE OF RETIREMENT ACCOUNT SPOUSE/PARTNER)
RANGE 0..9999999
F015D_DK_S (CURRENT VALUE OF RETIREMENT ACCOUNT--DK SPOUSE/PARTNER)
End of if
if F014E = 1 then
F015E_R (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS RESPONDENT)
Other personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.
RANGE 0..9999999
F015E_DK_R (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK RESPONDENT)
F015E_S (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS SPOUSE/PARTNER)
RANGE 0..9999999
F015E_DK_S (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK SPOUSE/PARTNER)
End of if
if F014F = 1 then
F015F_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS RESPONDENT)
Other financial assets or accounts excluding real estate or housing: [^F014F_other]
RANGE 0..9999999
F015F_DK_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK RESPONDENT)
F015F_S (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS SPOUSE/PARTNER)
RANGE 0..9999999
F015F_DK_S (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK SPOUSE/PARTNER)
End of if
End of subgroup of questions
custom_error
F015scripts
End of group of questions
Else
Group of questions presented on the same screen
F015_intro
For each of the following financial assets or accounts, please estimate the current value of that account. Just your best guess will do. Please answer in dollars ($_____.00).

Subgroup of questions
if F014G = 1 then
F015G_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET RESPONDENT)
Cash in wallet/purse/pocket
RANGE 0..9999999
F015G_DK_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK RESPONDENT)
End of if
if F014A = 1 then
F015A_R (CURRENT VALUE OF CHECKING ACCOUNT RESPONDENT)
Checking account
RANGE 0..9999999
F015A_DK_R (CURRENT VALUE OF CHECKING ACCOUNT--DK RESPONDENT)
End of if
if F014B = 1 then
F015B_R (CURRENT VALUE OF SAVINGS ACCOUNT RESPONDENT)
Savings account
RANGE 0..9999999
F015B_DK_R (CURRENT VALUE OF SAVINGS ACCOUNT--DK RESPONDENT)
End of if
if F014C = 1 then
F015C_R (CURRENT VALUE OF SAVINGS IN CASH RESPONDENT)
Savings in cash
RANGE 0..9999999
F015C_DK_R (CURRENT VALUE OF SAVINGS IN CASH--DK RESPONDENT)
End of if
if F014D = 1 then
F015D_R (CURRENT VALUE OF RETIREMENT ACCOUNT RESPONDENT)
Retirement account (401k, 403(b), IRA) or employer-provided traditional pension
RANGE 0..9999999
F015D_DK_R (CURRENT VALUE OF RETIREMENT ACCOUNT--DK RESPONDENT)
End of if
if F014E = 1 then
F015E_R (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS RESPONDENT)
Other personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.
RANGE 0..9999999
F015E_DK_R (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK RESPONDENT)
End of if
if F014F = 1 then
F015F_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS RESPONDENT)
Other financial assets or accounts excluding real estate or housing: [^F014F_other]
RANGE 0..9999999
F015F_DK_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK RESPONDENT)
End of if
End of subgroup of questions
custom_error
F015scripts2
End of group of questions
End of if
End of if
Group of questions presented on the same screen
F016_intro
Which of the following types of debt, if any, do you or anyone in your household currently have?

Subgroup of questions
F016A (TYPES OF DEBT--AUTO LOANS)
Auto loans
F016B (TYPES OF DEBT--STUDENT LOANS)
Student loans
F016C (TYPES OF DEBT--CREDIT CARD BALANCES)
Outstanding credit card balances carried over from previous months
F016D (TYPES OF DEBT--MEDICAL DEBTS)
Medical debts
F016E (TYPES OF DEBT--MORTGAGES)
Mortgages and home equity line of credit
F016F (TYPES OF DEBT--OTHER LOANS)
Other loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above)
F016G (TYPES OF DEBT--MONEY BORROWED)
Money borrowed from family and friends
F016H (TYPES OF DEBT--OTHER DEBTS NOT LISTED)
Other debts not listed, please specify:
F016H_other (TYPES OF DEBT--OTHER DEBTS NOT LISTED SPECIFY)
STRING
End of subgroup of questions
End of group of questions
if F016A = 1 or F016B = 1 or F016C = 1 or F016D = 1 or F016E = 1 or F016F = 1 or F016G = 1 or F016H = 1 then
if F016H = 1 then
Fill code of question 'FLF017H' executed
End of if
Group of questions presented on the same screen
F017_intro
For each of the following types of debt, please estimate the amount your household currently owes. If you aren’t sure, your best guess will do. Please answer in dollars ($_____.00).

Subgroup of questions
if F016A = 1 then
F017A_Amt (DEBT AMOUNT--AUTO LOANS)
Auto loans
RANGE 1..9999999
F017A_DK (DEBT AMOUNT--AUTO LOANS DK)
End of if
if F016B = 1 then
F017B_Amt (DEBT AMOUNT--STUDENT LOANS)
Student loans
RANGE 1..9999999
F017B_DK (DEBT AMOUNT--STUDENT LOANS DK)
End of if
if F016C = 1 then
F017C_Amt (DEBT AMOUNT--CREDIT CARD BALANCES)
Outstanding credit card balances carried over from previous months
RANGE 1..9999999
F017C_DK (DEBT AMOUNT--CREDIT CARD BALANCES DK)
End of if
if F016D = 1 then
F017D_Amt (DEBT AMOUNT--MEDICAL DEBTS)
Medical debts
RANGE 1..9999999
F017D_DK (DEBT AMOUNT--MEDICAL DEBTS DK)
End of if
if F016E = 1 then
F017E_Amt (DEBT AMOUNT--MORTGAGES)
Mortgages and home equity line of credit
RANGE 1..9999999
F017E_DK (DEBT AMOUNT--MORTGAGES DK)
End of if
if F016F = 1 then
F017F_Amt (DEBT AMOUNT--OTHER LOANS)
Other loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above)
RANGE 1..9999999
F017F_DK (DEBT AMOUNT--OTHER LOANS DK)
End of if
if F016G = 1 then
F017G_Amt (DEBT AMOUNT--MONEY BORROWED)
Money borrowed from family or friends
RANGE 1..9999999
F017G_DK (DEBT AMOUNT--MONEY BORROWED DK)
End of if
if F016H = 1 then
F017H_Amt (DEBT AMOUNT--OTHER DEBTS NOT LISTED)
Other debts not listed, please specify:[^F016H_other]
RANGE 1..9999999
F017H_DK (DEBT AMOUNT--OTHER DEBT NOT LISTED DK)
End of if
End of subgroup of questions
custom_error
F017scripts
End of group of questions
End of if
Group of questions presented on the same screen
F020_intro
How well do each of these statements describe you or your situation?

This statement describes me
Subgroup of questions
F020A (WILL NEVER HAVE THE THINGS I WANT)
Because of my money situation, I feel like I will never have the things I want in life
F020B (JUST GETTING BY FINANCIALLY)
I am just getting by financially
F020C (CONCERNED MONEY WON'T LAST)
I am concerned that the money I have or will save won't last
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
F021_intro
How often do each of these statements apply to you?

This statement applies to me
Subgroup of questions
F021A (MONEY LEFT OVER)
I have money left over at the end of the month
F021B (FINANCES CONTROL LIFE)
My finances control my life
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
F022_intro
For each of the next questions, please indicate whether the statements were often, sometimes, or never true for you or your household, in the past 12 months

This statement was true for me or my household
Subgroup of questions
F022A (WORRIED FOOD WOULD RUN OUT)
I worried whether our food would run out before I got money to buy more
F022B (TROUBLE PAYING RENT/MORTGAGE)
We had trouble paying our rent or mortgage
F022C (COULDN'T AFFORD NEEDED HEALTHCARE)
I or someone in my household did not get healthcare we needed because we couldn’t afford it
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
F023_intro
In the past 12 months, have you or someone in your household used:

Subgroup of questions
F023A (USED MONEY ORDER)
a money order
F023B (USED CHECK-CASHING SERVICE)
a check-cashing service
F023C (USED TAX REFUND LOAN)
a tax refund anticipation loan
F023D (USED PAWN SHOP/PAYDAY/AUTO TITLE LOAN)
a pawn shop loan, a payday loan, an auto title loan, or a paycheck advance/deposit advance
End of subgroup of questions
End of group of questions
F024 (USED PHONE TO CHECK ACCOUNT)
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?
F025 (HOUSEHOLD USE A BUDGET)
Does your household use a budget or other type of plan to track and manage your spending?
F026 (USE AUTOMATIC MONEY TRANSFERS)
Does your household use automatic money transfers to transfer money to savings or investments?
F027 (HAVE AT LEAST ONE CREDIT CARD)
Do you have at least one credit card?
if F027 = 1 then
F028 (HOW FREQUENTLY CARRIED AN UNPAID CREDIT CARD BALANCE)
In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?
1 Never carried an unpaid balance (always pay in full)
2 Once
3 Some of the time
4 Most or all of the time
F029 (HOW FREQUENTLY PAID THE CREDIT CARD MINIMUM)
In the past 12 months, how frequently have you paid only the minimum payment on one or more of your credit cards?
1 Never
2 Once
3 Some of the time
4 Most or all of the time
End of if
F030 (SET ASIDE EMERGENCY FUNDS FOR 3 MONTHS)
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?
Group of questions presented on the same screen
F032 (HOW WOULD PAY FOR $400 EXPENSE)
Suppose 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.
1 Put it on my credit card and pay it off in full at the next statement
2 Put it on my credit card and pay it off over time
3 With the money currently in my checking/savings account or with cash
4 Using money from a bank loan or line of credit
5 By borrowing from a friend or family member
6 Using a payday loan, deposit advance, or overdraft
7 By selling something
8 I wouldn’t be able to pay for the expense right now
9 Other, Please specify:
F032_other (HOW WOULD PAY FOR $400 EXPENSE--OTHER)
STRING
End of group of questions
F033 (HOUSEHOLD CALCULATED NEEDED RETIREMENT SAVINGS)
Has your household attempted to calculate how much you currently need to save for retirement?
cfsi_scoring_f034 := array(1=>100,2=>75,3=>50,4=>25,5=>0)
cfsi_scoring_f035 := array(1=>100,2=>60,3=>40,4=>20,5=>0)
F034 (SPENDING COMPARISON TO TOTAL INCOME)
Which of the following statements best describes how your household’s total spending compared to total income, over the last 12 months?
1 Spending was much less than income
2 Spending was a little less than income
3 Spending was about equal to income
4 Spending was a little more than income
5 Spending was much more than income
F035 (HOW HOUSEHOLD PAID BILLS ON TIME)
Which of the following statements best describes how your household has paid its bills over the last 12 months?
1 Pay all of our bills on time
2 Pay nearly all of our bills on time
3 Pay most of our bills on time
4 Pay some of our bills on time
5 Pay very few of our bills on time
if F034 = response then
score_f034 := cfsi_scoring_f034[F034]
Else
score_f034 := -1
End of if
if F035 = response then
score_f035 := cfsi_scoring_f035[F035]
Else
score_f035 := -1
End of if
if score_f034 >= 0 and score_f035 >= 0 then
financial_health_spend_subscore := (score_f034 + score_f035) / 2
Else
financial_health_spend_subscore := -1
End of if
cfsi_scoring_f036 := array(1=>100,2=>75,3=>50,4=>25,5=>0)
cfsi_scoring_f037 := array(1=>100,2=>75,3=>50,4=>25,5=>0)
F036 (HOW LONG COVER EXPENSES WITH CURRENT SPENDING)
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?
1 6 months or more
2 3-5 months
3 1-2 months
4 1-3 weeks
5 Less than 1 week
F037 (DOING WHAT IS NEEDED FOR LONG TERM GOALS)
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?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
if F036 = response then
score_f036 := cfsi_scoring_f036[F036]
Else
score_f036 := -1
End of if
if F037 = response then
score_f037 := cfsi_scoring_f037[F037]
Else
score_f037 := -1
End of if
if score_f036 >= 0 and score_f037 >= 0 then
financial_health_save_subscore := (score_f036 + score_f037) / 2
Else
financial_health_save_subscore := -1
End of if
cfsi_scoring_f038 := array(1=>85,2=>40,3=>0,4=>100)
cfsi_scoring_f039 := array(1=>100,2=>80,3=>60,4=>40,5=>0,6=>0)
F038 (HOUSEHOLD DEBT MANAGEABILITY)
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?
1 Have a manageable amount of debt
2 Have a bit more debt than is manageable
3 Have far more debt than is manageable
4 Do not have any debt
F039 (RATE OWN CREDIT SCORE)
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.
1 Excellent
2 Very Good
3 Good
4 Fair
5 Poor
6 Don’t know
if F038 = response then
score_f038 := cfsi_scoring_f038[F038]
Else
score_f038 := -1
End of if
if F039 = response then
score_f039 := cfsi_scoring_f039[F039]
Else
score_f039 := -1
End of if
if score_f038 >= 0 and score_f039 >= 0 then
financial_health_borrow_subscore := (score_f038 + score_f039) / 2
Else
financial_health_borrow_subscore := -1
End of if
cfsi_scoring_f040 := array(1=>100,2=>75,3=>50,4=>25,5=>10,6=>0)
cfsi_scoring_f041 := array(1=>100,2=>65,3=>35,4=>15,5=>0)
F040 (INSURANCE COVERAGE WILL PROVIDE ENOUGH SUPPORT)
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?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
F041 (HOUSEHOLD PLANS AHEAD FINANCIALLY)
To what extent do you agree or disagree with the following statement: “My household plans ahead financially.”
1 Agree strongly
2 Agree somewhat
3 Neither agree nor disagree
4 Disagree somewhat
5 Disagree strongly
if F040 = response then
score_f040 := cfsi_scoring_f040[F040]
Else
score_f040 := -1
End of if
if F041 = response then
score_f041 := cfsi_scoring_f041[F041]
Else
score_f041 := -1
End of if
if score_f040 >= 0 and score_f041 >= 0 then
financial_health_plan_subscore := (score_f040 + score_f041) / 2
Else
financial_health_plan_subscore := -1
End of if
if score_f034 >= 0 and score_f035 >= 0 and score_f036 >= 0 and score_f037 >= 0 and score_f038 >= 0 and score_f039 >= 0 and score_f040 >= 0 and score_f041 >= 0 then
financial_health_totalscore := (score_f034 + score_f035 + score_f036 + score_f037 + score_f038 + score_f039 + score_f040 + score_f041) / 8
Else
financial_health_totalscore := -1
End of if
F042 (TALKED WITH FINANCIAL PLANNER)
Have you or anyone in your household ever talked with a financial planner or advisor or coach?
1 Yes – a financial planner or advisor
2 Yes – a financial coach
3 No
4 Don’t know
F043 (FAMILY STRUGGLED FINANCIALLY GROWING UP)
How frequently did your family struggle financially while you were growing up?
1 Regularly
2 Sometimes
3 Rarely
4 Never
5 Don't know
F044 (FAMILY DISCUSSED FINANCIAL MATTERS WHEN GROWING UP)
How frequently did your family discuss financial matters with you or around you while you were growing up?
1 Regularly
2 Sometimes
3 Rarely
4 Never
F045 (INTEREST VS INFLATION)
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?
1 More than today
2 Exactly the same
3 Less than today
4 Don’t know
F046 (SAVINGS INTEREST RATE GROWTH)
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?
1 More than $102
2 Exactly $102
3 Less than $102
4 Don’t know
F047 (COMPANY STOCK VS STOCK MUTUAL FUND)
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.”
1 True
2 False
3 Don't know
health_intro
The next questions are about your health
Group of questions presented on the same screen
table1_intro
Please respond to each item by marking one box per row

Subgroup of questions
H001 (HEALTH QUALITY)
In general, would you say your health is...
H002 (QUALITY OF LIFE)
In general, would you say your quality of life is ...
H003 (PHYSICAL HEALTH)
In general, how would you rate your physical health?
H004 (MENTAL HEALTH)
In general, how would you rate your mental health, including your mood and your ability to think?
H005 (SOCIAL INTERACTION SATISFACTION)
In general, how would you rate your satisfaction with your social activities and relationships?
H006 (HOW WELL USUAL SOCIAL ACTIVITIES CARRIED OUT)
In general, please rate how well you carry out your usual social activities and roles. (This includes activities at home, at work and in your community, and responsibilities as a parent, child, spouse, employee, friend, etc.)
End of subgroup of questions
End of group of questions
H007 (HOW WELL EVERYDAY PHYSICAL ACTIVITIES CARRIED OUT)
To what extent are you able to carry out your everyday physical activities such as walking, climbing stairs, carrying groceries, or moving a chair?
Group of questions presented on the same screen
H008 (EMOTIONAL PROBLEMS LAST 7 DAYS)
In the past 7 days
How often have you been bothered by emotional problems such as feeling anxious, depressed or irritable?
H009 (FATIGUE RATING LAST 7 DAYS)
In the past 7 days
How would you rate your fatigue on average?
H010 (AVERAGE PAIN LAST 7 DAYS)
In the past 7 days
How would you rate your pain on average?
0 0
No
pain
1 1
2 2
3 3
4 4
5 5
6 6
7 7
8 8
9 9
10 10
Worst
imaginable
pain
End of group of questions
Group of questions presented on the same screen
depression_intro
Over the last 2 weeks, how often have you been bothered by any of the following problems? Please respond to each item by marking one box per row.

Subgroup of questions
H011 (LITTLE INTEREST OR PLEASURE)
Little interest or pleasure in doing things
H012 (FEELING DOWN, DEPRESSED, HOPELESS)
Feeling down, depressed, or hopeless
H013 (TROUBLE SLEEPING)
Trouble falling asleep or staying asleep, or sleeping too much
H014 (FEELING TIRED, LITTLE ENERGY)
Feeling tired or having little energy
H015 (POOR APPETITE OR OVEREATING)
Poor appetite or overeating
H016 (FEELING BAD ABOUT SELF)
Feeling bad about yourself, or that you are a failure, or have let yourself or your family down
H017 (TROUBLE CONCENTRATING)
Trouble concentrating on things, such as reading the newspaper or watching television
H018 (MOVING OR SPEAKING NOTICEABLY SLOW OR RESTLESS)
Moving or speaking so slowly that other people could have noticed. Or the opposite – being so fidgety or restless that you have been moving around a lot more than usual
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
anxiety_intro
Over the last 2 weeks, how often have you been bothered by any of the following problems? Please respond to each item by marking one box per row.

Subgroup of questions
H021 (FEELING NERVOUS)
Feeling nervous, anxious, or on edge
H022 (CANT CONTROL WORRY)
Not being able to stop or control worrying
H023 (WORRYING TOO MUCH)
Worrying too much about different things
H024 (TROUBLE RELAXING)
Trouble relaxing
H025 (BEING RESTLESS)
Being so restless that it is hard to sit still
H026 (EASILY ANNOYED)
Becoming easily annoyed or irritable
H027 (AFRAID OF SOMETHING AWFUL HAPPENING)
Feeling afraid as if something awful might happen
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
selfefficacy_intro
For the next set of questions, please read each sentence and rate your level of confidence in managing various situations, problems, and events.

Rate your level of confidence
Subgroup of questions
H028 (MANAGE TO SOLVE DIFFICULT PROBLEMS)
I can manage to solve difficult problems if I try hard enough
H029 (COULD DEAL WITH UNEXPECTED EVENTS)
I am confident that I could deal efficiently with unexpected events
H030 (CAN THINK OF A SOLUTION IF IN TROUBLE)
If I am in trouble, I can think of a solution
H031 (HANDLE WHATEVER COMES MY WAY)
I can handle whatever comes my way
End of subgroup of questions
End of group of questions
H032 (STRESS FROM FINANCES)
Over the last 12 months, how much stress, if any, did your finances cause you?
1 High stress
2 Moderate stress
3 Some stress
4 No stress
if H032 = 1 or H032 = 2 or H032 = 3 then
Group of questions presented on the same screen
stress_intro
To what extent, if any, has financial stress negatively impacted

Financial stress had in...
Subgroup of questions
H033 (STRESS IMPACTED PHYSICAL HEALTH)
your physical health?
H034 (STRESS IMPACTED MENTAL HEALTH)
your mental health?
H035 (STRESS IMPACTED YOUR FAMILY LIFE)
your family life?
H036 (STRESS IMPACTED WORK OR SCHOOL PERFORMANCE)
your work or school performance?
H036_NA (DON'T WORK/GO TO SCHOOL)
1 Not applicable (I don't work/go to school)
End of subgroup of questions
custom_error
H036scripts
End of group of questions
End of if
H037 (CURRENTLY HAVE HEALTH INSURANCE)
Do you currently have health insurance (including employer-paid, private, Medicare/Medicaid, Military, Veterans, Indian Health Service, or any other type of medical coverage)?
if H037 = 1 then
Group of questions presented on the same screen
H038 (MAIN SOURCE OF HEALTH INSURANCE)
Which of the following is your main source of health insurance coverage?
1 Your employer
2 Your spouse's employer
3 Your parent or guardian
4 Medicare or Medicaid
5 Through an insurance company or a state or federal marketplace that you purchased yourself (including Affordable Care Act (ACA) plans)
6 Veterans’ Health Administration (VHA) benefits, including Choice Act
7 TRICARE or other military health benefits
8 Indian Health Services
9 Other, Please Specify:
10 Don’t know
H038_other (MAIN SOURCE OF HEALTH INSURANCE--OTHER)
STRING
End of group of questions
End of if
end_survey
Thanks a lot for answering all of our questions! We would like to finish with an activity, please follow the instructions.
onmobile := isOnMobile()
if onmobile = 1 then
onmobileconfirm (Confirm on mobile device )
Before we start, we would like to confirm that you are doing this survey on a mobile device. Is this correct?
1 Yes
2 No
if onmobileconfirm = 2 then
onmobile := 2
onmobileincorrect := 1
End of if
Else
onmobileask (Ask on mobile device )
Before we start, are you doing this survey on a mobile device?
1 Yes
2 No
if onmobileask = 1 then
onmobile := 1
onmobileincorrect := 1
End of if
End of if
if onmobile = 1 then
sw001_intro_mobile
In this survey we would like to see how quickly you can respond to the words RED and GREEN. For this task, you will need to navigate using three buttons that will be located on the bottom of the screen. If possible, place one finger on the S button, one finger on the G button, and one on the Enter button.


The letter S means STOP. The letter G means GO. If you press Enter/Return while you can see the word RED or GREEN, you will skip to the next item.

Please click 'Next' to continue.
Else
sw001_intro
In this survey we would like to see how quickly you can respond to the words RED and GREEN. For this task, you will need to place your hands on the keyboard. If possible, place one finger on the letter S, one finger on the letter G, and one on the Enter key.



The letter S means STOP. The letter G means GO. If you press Enter/Return while you can see the word RED or GREEN, you will skip to the next item.

Please click 'Next' to continue.
End of if
Fill code of question 'FL_keyboard' executed
if onmobile = 1 then
sw001_intro2_mobile
For the first several items, if you see RED you will indicate STOP by pressing the S button. If you see GREEN you will choose GO by pressing the G button.

Please keep your hands on the letters during this whole task. This will help you complete the task more quickly.

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

Please click "Next" to continue.
Else
sw001_intro2
For the first several items, if you see RED you will indicate STOP by pressing the letter S. If you see GREEN you will choose GO by pressing the letter G.

Please keep your hands on the letters during this whole task. This will help you complete the task more quickly.

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

Please click "Next" to continue.
End of if
Group of questions presented on the same screen
sw001_example1

DEMONSTRATION

For example, if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

You should press the letter S. Please do this now. [
//]
sw001_example1_result (sw001 result example 1)
STRING
End of group of questions
Group of questions presented on the same screen
sw001_example2

DEMONSTRATION

And if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
GREEN

You should press the letter G. Please do this now. [
//]
sw001_example2_result (sw001 result example 2)
STRING
End of group of questions
sw001_intro3
Now you can practice. This first practice set will last about 1 minute. Please click "Next" when you are ready to begin.
Loop from 1 to 10
Fill code of question 'FL_sw001[cnt]' executed
Fill code of question 'FL_sw001_key[cnt]' executed
Group of questions presented on the same screen
sw001 (first trial)

PRACTICE

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
[
//]
sw001_result (result first trial)
STRING
End of group of questions
End of loop
sw002_intro2

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.
Group of questions presented on the same screen
sw002_example1

DEMONSTRATION

For example, if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

Because the rules are "REVERSE," you should press the letter G for "go." Please do this now. [
//]
sw002_example1_result (sw002 result example 1)
STRING
End of group of questions
Group of questions presented on the same screen
sw002_example2

DEMONSTRATION

And if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
GREEN

You should press the letter S for "stop." Please do this now. [
//]
sw002_example2_result (sw002 result example 2)
STRING
End of group of questions
sw002_intro3
Now you can practice. This practice set will last about 1 minute. Please click “Next” when you are ready to begin.
Loop from 1 to 10
Fill code of question 'FL_sw002[cnt]' executed
Fill code of question 'FL_sw002_key[cnt]' executed
Group of questions presented on the same screen
sw002 (second trial)

PRACTICE

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
[
//]
sw002_result (result second trial)
STRING
End of group of questions
End of loop
sw003_intro2

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.
sw003_intro3

DEMONSTRATION

Current rules:

NORMAL


Please click "Next" to continue.
Group of questions presented on the same screen
sw003_example1

DEMONSTRATION

So if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

You should press the letter S for "stop." This is because the last screen said "NORMAL," and this screen says "RED." Please do this now. [
//]
sw003_example1_result (sw003 result example 1)
STRING
End of group of questions
Group of questions presented on the same screen
sw003_example2

DEMONSTRATION

And if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
GREEN

You should press the letter G for "go." This is because the rules screen said "NORMAL," and this screen says "GREEN." Please do this now. [
//]
sw003_example2_result (sw003 result example 2)
STRING
End of group of questions
Group of questions presented on the same screen
sw003_example3

DEMONSTRATION

And if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

You should press the letter S. Please do this now. [
//]
sw003_example3_result (sw003 result example 3)
STRING
End of group of questions
sw003_intro4

DEMONSTRATION

Current rules:

REVERSE


Please click "Next" to continue.
Group of questions presented on the same screen
sw004_example1

DEMONSTRATION

So if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
GREEN

You should press the letter S for "stop." This is because the last screen said "REVERSE," and this screen says "GREEN." Please do this now. [
//]
sw004_example1_result (sw004 result example 1)
STRING
End of group of questions
Group of questions presented on the same screen
sw004_example2

DEMONSTRATION

Or if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

You should press the letter G for "go." This is because the rules screen said "REVERSE," and this screen says "RED." Please do this now. [
//]
sw004_example2_result (sw004 result example 2)
STRING
End of group of questions
Group of questions presented on the same screen
sw004_example3

DEMONSTRATION

Or if you see:

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

You should press the letter G for "go." Please do this now. [
//]
sw004_example3_result (sw004 result example 3)
STRING
End of group of questions
sw004_intro1

PRACTICE

Now, please practice a few times on your own.

Please press "Next" to continue.
sw004_intro2

PRACTICE

Current rules:

NORMAL


Please click "Next" to continue.
Group of questions presented on the same screen
sw005_example1

PRACTICE

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
GREEN

[
//]
sw005_example1_result (sw005 result example 1)
STRING
End of group of questions
Group of questions presented on the same screen
sw005_example2

PRACTICE

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

[
//]
sw005_example2_result (sw005 result example 2)
STRING
End of group of questions
Group of questions presented on the same screen
sw005_example3

PRACTICE

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
GREEN

[
//]
sw005_example3_result (sw005 result example 3)
STRING
End of group of questions
sw005_intro2

PRACTICE

Current rules:

REVERSE


Please click "Next" to continue.
Group of questions presented on the same screen
sw006_example1

PRACTICE

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
GREEN

[
//]
sw006_example1_result (sw006 result example 1)
STRING
End of group of questions
Group of questions presented on the same screen
sw006_example2

PRACTICE

Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.
RED

[
//]
sw006_example2_result (sw006 result example 2)
STRING
End of group of questions
sw003_intro
We are now ready to begin. This will take about one minute. Please click "Next" when you are ready to begin.
Loop from 1 to 16
Fill code of question 'FL_sw003[cnt]' executed
Fill code of question 'FL_sw003_color[cnt]' executed
Fill code of question 'FL_sw003_key[cnt]' executed
if cnt in [1,9] then
sw007_intro
Current rules:

NORMAL


Please click "Next" to continue.
elseif cnt in [4,15] then
sw007_intro_reverse
Current rules:

REVERSE


Please click "Next" to continue.
End of if
Group of questions presented on the same screen
sw003 (third trial)
Press S for “stop,” G for “go,” or Enter/Return to skip to the next screen.

[
//]
sw003_result (result third trial)
STRING
End of group of questions
End of loop