Routing for MFD Monthly 8

Fill code of question 'FLmonthyear' executed
intro1 (MONTHLY SURVEY INTRO)
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 an 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 do not 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
FN001 (HOUSEHOLD FINANCES DESCRIPTION)
Which of the following best describes your household finances for last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019]? 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
FN002 (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
FN003 (HOW EASILY ABLE TO PREDICT HH MONTHLY INCOME)
In the last 6 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 6 months
FN004 (HH MONTHLY INCOME VARIATION)
In 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:
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
FN005_intro
In the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019], did your household receive any income from the following sources?

Subgroup of questions
FN005A (INCOME RECEIVED FROM WAGES OR SALARIES)
Wages or salaries
FN005B (INCOME RECEIVED FROM SELF EMPLOYMENT)
Self-employment
FN005C (INCOME RECEIVED FROM OCCASIONAL WORK)
Occasional work activities or side jobs (do not include income from UAS)
FN005D (INCOME RECEIVED FROM INTEREST/DIVIDENDS/RENTALS)
Interest, dividends, or rental income
FN005E (INCOME RECEIVED FROM SOCIAL SECURITY/RETIREMENT/UNEMPLOYMENT)
Social security, Supplemental Security (SSI), or disability, retirement or pension income, unemployment income, public assistance or welfare
FN005F (INCOME RECEIVED FROM ANY OTHER SOURCE)
Any other income
End of subgroup of questions
End of group of questions
if FN005A = 1 or FN005B = 1 or FN005C = 1 or FN005D = 1 or FN005E = 1 or FN005F = 1 then
Fill code of question 'FLFN006' executed
IF FN001 != 4 THEN
Group of questions presented on the same screen
FN006_intro
In the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019], what was the amount that your household received as net income, after taxes and deductions (in dollars, $_____.00).[ If you don’t know the amount for your spouse or other main provider of income, please select that option.]

Subgroup of questions
if FN005A = 1 then
FN006A_R (MONTHLY NET INCOME FROM RESPONDENT WAGES)
Wages or salaries
RANGE 0..9999999
FN006A_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES)
RANGE 0..9999999
FN006A_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER WAGES--DK)
End of if
if FN005B = 1 then
FN006B_R (MONTHLY NET INCOME FROM RESPONDENT SELF EMPLOYMENT)
Self-employment
RANGE 0..9999999
FN006B_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER SELF-EMPLOYMENT)
RANGE 0..9999999
FN006B_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER SELF EMPLOYMENT--DK)
End of if
if FN005C = 1 then
FN006C_R (MONTHLY NET INCOME FROM RESPONDENT OCCASIONAL WORK)
Occasional work activities or side jobs (do not include income from UAS)
RANGE 0..9999999
FN006C_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER OCCASIONAL WORK)
RANGE 0..9999999
FN006C_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER OCCASIONAL WORK--DK)
End of if
if FN005D = 1 then
FN006D_R (MONTHLY NET INCOME FROM RESPONDENT INTEREST/DIVIDENDS/RENT)
Interest, dividends, or rental income
RANGE 0..9999999
FN006D_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST/DIVIDENDS/RENT)
RANGE 0..9999999
FN006D_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER INTEREST--DK)
End of if
if FN005E = 1 then
FN006E_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
FN006E_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY)
RANGE 0..9999999
FN006E_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER SOCIAL SECURITY--DK)
End of if
if FN005F = 1 then
FN006F_R (MONTHLY NET INCOME FROM ANY OTHER INCOME)
Any other income
RANGE 0..9999999
FN006F_S (MONTHLY NET INCOME FROM SPOUSE/PARTNER ANY OTHER SOURCE)
RANGE 0..9999999
FN006F_DK (MONTHLY NET INCOME FROM SPOUSE/PARTNER ANY OTHER SOURCE--DK)
End of if
End of subgroup of questions
custom_error
FN006scripts
End of group of questions
Else
Group of questions presented on the same screen
FN006_intro
In the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019], what was the amount that your household received as net income, after taxes and deductions (in dollars, $_____.00).[ If you don’t know the amount for your spouse or other main provider of income, please select that option.]

Subgroup of questions
if FN005A = 1 then
FN006A_R (MONTHLY NET INCOME FROM RESPONDENT WAGES)
Wages or salaries
RANGE 0..9999999
End of if
if FN005B = 1 then
FN006B_R (MONTHLY NET INCOME FROM RESPONDENT SELF EMPLOYMENT)
Self-employment
RANGE 0..9999999
End of if
if FN005C = 1 then
FN006C_R (MONTHLY NET INCOME FROM RESPONDENT OCCASIONAL WORK)
Occasional work activities or side jobs (do not include income from UAS)
RANGE 0..9999999
End of if
if FN005D = 1 then
FN006D_R (MONTHLY NET INCOME FROM RESPONDENT INTEREST/DIVIDENDS/RENT)
Interest, dividends, or rental income
RANGE 0..9999999
End of if
if FN005E = 1 then
FN006E_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 FN005F = 1 then
FN006F_R (MONTHLY NET INCOME FROM ANY 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
FN007_intro
In the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019], how much did your household spend 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
FN007A_Amt (AMOUNT SPENT ON RENT/MORTGAGE)
Rent/mortgage
RANGE 1..9999999
FN007A_NoSpend (RENT/MORTGAGE--DIDN'T SPEND REGULARLY)
FN007B_Amt (AMOUNT SPENT ON HOUSING RELATED EXPENSES)
Housing related expenses (electricity, gas, water, maintenance or repairs, phone, cellphone, internet, insurance, Home Owner Association fees)
RANGE 1..9999999
FN007B_NoSpend (HOUSING RELATED EXPENSES--DIDN'T SPEND REGULARLY)
FN007C_Amt (AMOUNT SPENT ON TRANSPORTATION)
Transportation (car payment, car insurance, gasoline, other fuels, bus/metro/taxi rides)
RANGE 1..9999999
FN007C_NoSpend (TRANSPORTATION--DIDN'T SPEND REGULARLY)
FN007D_Amt (AMOUNT SPENT ON EDUCATION AND CHILDCARE)
Education and childcare (tuition and fees, materials, wages)
RANGE 1..9999999
FN007D_NoSpend (EDUCATION AND CHILDCARE--DIDN'T SPEND REGULARLY)
FN007E_Amt (AMOUNT SPENT ON HEALTH)
Health (medical bills, medicines, co-pay, health insurance payment)
RANGE 1..9999999
FN007E_NoSpend (HEALTH--DIDN'T SPEND REGULARLY)
FN007F_Amt (AMOUNT SPENT ON GROCERIES)
Groceries (food, beverages, snacks, and cleaning supplies for the house)
RANGE 1..9999999
FN007F_NoSpend (GROCERIES--DIDN'T SPEND REGULARLY)
FN007G_Amt (AMOUNT SPENT ON EATING OUT)
Eating out (restaurants, coffee shops, etc.)
RANGE 1..9999999
FN007G_NoSpend (EATING OUT--DIDN'T SPEND REGULARLY)
FN007H_Amt (AMOUNT SPENT ON ANY OTHER EXPENSE)
Any other expense (entertainment and recreation, clothing and personal care, etc.)
RANGE 1..9999999
FN007H_NoSpend (ANY OTHER EXPENSE--DIDN'T SPEND REGULARLY)
End of subgroup of questions
custom_error
FN007scripts
End of group of questions
Group of questions presented on the same screen
FN008 (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:
FN008_other (OWN OR RENT HOME--OTHER)
STRING
End of group of questions
if FN008 = 1 then
FN009 (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
FN010 (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 FN010 = 1 then
FN011 (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
Fill code of question 'FLFN012' executed
Group of questions presented on the same screen
FN012_intro
Do you[ or anyone in your household] currently have any of the following financial assets or accounts?

Subgroup of questions
FN012G (HAVE CASH IN WALLET/PURSE/POCKET)
Cash in wallet/purse/pocket
FN012A (HAVE CHECKING ACCOUNT)
Checking account
FN012B (HAVE SAVINGS ACCOUNT)
Savings account
FN012C (HAVE SAVINGS IN CASH)
Savings in cash
FN012D (HAVE RETIREMENT ACCOUNT)
Retirement account (401k, 403b, IRA) or employer-provided traditional pension
FN012E (HAVE OTHER PERSONAL SAVINGS OR INVESTMENTS)
Other personal savings or investments such as mutual funds, money market accounts, stocks, certificates of deposit, or annuities, etc.
FN012F (HAVE OTHER FINANCIAL ASSETS)
Other financial assets or accounts excluding real estate or housing, please specify:
FN012F_other (HAVE OTHER FINANCIAL ASSETS--OTHER SPECIFY)
STRING
End of subgroup of questions
End of group of questions
if FN012G = 1 or FN012A = 1 or FN012B = 1 or FN012C = 1 or FN012D = 1 or FN012E = 1 or FN012F = 1 then
if FN012F = 1 then
Fill code of question 'FLFN013F' executed
End of if
IF FN001 != 4 THEN
Group of questions presented on the same screen
FN013_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 FN012G = 1 then
FN013G_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET RESPONDENT)
Cash in wallet/purse/pocket
RANGE 0..9999999
FN013G_DK_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK RESPONDENT)
FN013G_S (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET SPOUSE/PARTNER)
RANGE 0..9999999
FN013G_DK_S (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK SPOUSE/PARTNER)
End of if
if FN012A = 1 then
FN013A_R (CURRENT VALUE OF CHECKING ACCOUNT RESPONDENT)
Checking account
RANGE 0..9999999
FN013A_DK_R (CURRENT VALUE OF CHECKING ACCOUNT--DK RESPONDENT)
FN013A_S (CURRENT VALUE OF CHECKING ACCOUNT SPOUSE/PARTNER)
RANGE 0..9999999
FN013A_DK_S (CURRENT VALUE OF CHECKING ACCOUNT--DK SPOUSE/PARTNER)
End of if
if FN012B = 1 then
FN013B_R (CURRENT VALUE OF SAVINGS ACCOUNT RESPONDENT)
Savings account
RANGE 0..9999999
FN013B_DK_R (CURRENT VALUE OF SAVINGS ACCOUNT--DK RESPONDENT)
FN013B_S (CURRENT VALUE OF SAVINGS ACCOUNT SPOUSE/PARTNER)
RANGE 0..9999999
FN013B_DK_S (CURRENT VALUE OF SAVINGS ACCOUNT--DK SPOUSE/PARTNER)
End of if
if FN012C = 1 then
FN013C_R (CURRENT VALUE OF SAVINGS IN CASH RESPONDENT)
Savings in cash
RANGE 0..9999999
FN013C_DK_R (CURRENT VALUE OF SAVINGS IN CASH--DK RESPONDENT)
FN013C_S (CURRENT VALUE OF SAVINGS IN CASH SPOUSE/PARTNER)
RANGE 0..9999999
FN013C_DK_S (CURRENT VALUE OF SAVINGS IN CASH--DK SPOUSE/PARTNER)
End of if
if FN012D = 1 then
FN013D_R (CURRENT VALUE OF RETIREMENT ACCOUNT RESPONDENT)
Retirement account (401k, 403(b), IRA) or employer-provided traditional pension
RANGE 0..9999999
FN013D_DK_R (CURRENT VALUE OF RETIREMENT ACCOUNT--DK RESPONDENT)
FN013D_S (CURRENT VALUE OF RETIREMENT ACCOUNT SPOUSE/PARTNER)
RANGE 0..9999999
FN013D_DK_S (CURRENT VALUE OF RETIREMENT ACCOUNT--DK SPOUSE/PARTNER)
End of if
if FN012E = 1 then
FN013E_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
FN013E_DK_R (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK RESPONDENT)
FN013E_S (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS SPOUSE/PARTNER)
RANGE 0..9999999
FN013E_DK_S (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK SPOUSE/PARTNER)
End of if
if FN012F = 1 then
FN013F_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS RESPONDENT)
Other financial assets or accounts excluding real estate or housing: [^FN012F_other]
RANGE 0..9999999
FN013F_DK_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK RESPONDENT)
FN013F_S (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS SPOUSE/PARTNER)
RANGE 0..9999999
FN013F_DK_S (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK SPOUSE/PARTNER)
End of if
End of subgroup of questions
custom_error
FN013scripts
End of group of questions
Else
Group of questions presented on the same screen
FN013_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 FN012G = 1 then
FN013G_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET RESPONDENT)
Cash in wallet/purse/pocket
RANGE 0..9999999
FN013G_DK_R (CURRENT VALUE OF CASH IN WALLET/PURSE/POCKET--DK RESPONDENT)
End of if
if FN012A = 1 then
FN013A_R (CURRENT VALUE OF CHECKING ACCOUNT RESPONDENT)
Checking account
RANGE 0..9999999
FN013A_DK_R (CURRENT VALUE OF CHECKING ACCOUNT--DK RESPONDENT)
End of if
if FN012B = 1 then
FN013B_R (CURRENT VALUE OF SAVINGS ACCOUNT RESPONDENT)
Savings account
RANGE 0..9999999
FN013B_DK_R (CURRENT VALUE OF SAVINGS ACCOUNT--DK RESPONDENT)
End of if
if FN012C = 1 then
FN013C_R (CURRENT VALUE OF SAVINGS IN CASH RESPONDENT)
Savings in cash
RANGE 0..9999999
FN013C_DK_R (CURRENT VALUE OF SAVINGS IN CASH--DK RESPONDENT)
End of if
if FN012D = 1 then
FN013D_R (CURRENT VALUE OF RETIREMENT ACCOUNT RESPONDENT)
Retirement account (401k, 403(b), IRA) or employer-provided traditional pension
RANGE 0..9999999
FN013D_DK_R (CURRENT VALUE OF RETIREMENT ACCOUNT--DK RESPONDENT)
End of if
if FN012E = 1 then
FN013E_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
FN013E_DK_R (CURRENT VALUE OF OTHER PERSONAL SAVINGS/INVESTMENTS--DK RESPONDENT)
End of if
if FN012F = 1 then
FN013F_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS RESPONDENT)
Other financial assets or accounts excluding real estate or housing: [^FN012F_other]
RANGE 0..9999999
FN013F_DK_R (CURRENT VALUE OF OTHER ASSETS/ACCOUNTS--DK RESPONDENT)
End of if
End of subgroup of questions
custom_error
FN013scripts2
End of group of questions
End of if
End of if
Group of questions presented on the same screen
FN014_intro
Which of the following types of debt, if any, do you or anyone in your household currently have?

Subgroup of questions
FN014A (PAID DEBT/INTEREST--AUTO LOANS)
Auto loans
FN014B (PAID DEBT/INTEREST--STUDENT LOANS)
Student loans
FN014C (PAID DEBT/INTEREST--CREDIT CARD BALANCES)
Outstanding credit card balances carried over from previous months
FN014D (PAID DEBT/INTEREST--MEDICAL DEBTS)
Medical debts
FN014E (PAID DEBT/INTEREST--MORTGAGES/HOME EQUITY LOANS)
Mortgages and home equity line of credit
FN014F (PAID DEBT/INTEREST--OTHER LOANS)
Other loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above)
FN014G (PAID DEBT/INTEREST--MONEY BORROWED FROM FAMILY OR FRIENDS)
Money borrowed from family or friends
FN014H (PAID DEBT/INTEREST--OTHER DEBTS NOT LISTED)
Other debts not listed, please specify:
FN014H_other (PAID DEBT/INTEREST--OTHER DEBTS NOT LISTED PLEASE SPECIFY)
STRING
End of subgroup of questions
End of group of questions
if FN014A = 1 or FN014B = 1 or FN014C = 1 or FN014D = 1 or FN014E = 1 or FN014F = 1 or FN014G = 1 or FN014H = 1 then
if FN014H = 1 then
Fill code of question 'FLFN015H' executed
End of if
Group of questions presented on the same screen
FN015_intro
For each of the following types of debt, please estimate the amount your household currently owes as of the end of [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019]. If you aren't sure, your best guess will do.

Subgroup of questions
if FN014A = 1 then
FN015A_Amt (AMOUNT OF CURRENT DEBT--AUTO LOANS)
Auto loans
RANGE 1..9999999
FN015A_DK (DEBT AMOUNT DK--AUTO LOANS )
End of if
if FN014B = 1 then
FN015B_Amt (AMOUNT OF CURRENT DEBT--STUDENT LOANS)
Student loans
RANGE 1..9999999
FN015B_DK (DEBT AMOUNT DK--STUDENT LOANS )
End of if
if FN014C = 1 then
FN015C_Amt (AMOUNT OF CURRENT DEBT--CREDIT CARDS)
Credit cards
RANGE 1..9999999
FN015C_DK (DEBT AMOUNT DK--CREDIT CARDS)
End of if
if FN014D = 1 then
FN015D_Amt (AMOUNT OF CURRENT DEBT--MEDICAL)
Medical debts
RANGE 1..9999999
FN015D_DK (DEBT AMOUNT DK--MEDICAL DEBTS)
End of if
if FN014E = 1 then
FN015E_Amt (AMOUNT OF CURRENT DEBT--MORTGAGES)
Mortgages and home equity line of credit
RANGE 1..9999999
FN015E_DK (DEBT AMOUNT DK--MORTGAGES)
End of if
if FN014F = 1 then
FN015F_Amt (AMOUNT OF CURRENT DEBT--OTHER LOANS)
Other loans (including payday loans, auto title loans, pawnshops loans, and excluding the loans listed above)
RANGE 1..9999999
FN015F_DK (DEBT AMOUNT DK--OTHER LOANS)
End of if
if FN014G = 1 then
FN015G_Amt (AMOUNT OF CURRENT DEBT--MONEY BORROWED)
Money borrowed from family or friends
RANGE 1..9999999
FN015G_DK (DEBT AMOUNT DK--MONEY BORROWED)
End of if
if FN014H = 1 then
FN015H_Amt (AMOUNT OF CURRENT DEBT--OTHER DEBTS NOT LISTED)
Other debts not listed above: [^FN014H_other]
RANGE 1..9999999
FN015H_DK (DEBT AMOUNT DK--OTHER DEBTS NOT LISTED)
End of if
End of subgroup of questions
custom_error
FN015scripts
End of group of questions
End of if
Group of questions presented on the same screen
FN016_intro
How well do each of these statements describe you or your situation?

This statement describes me
Subgroup of questions
FN016A (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
FN016B (JUST GETTING BY FINANCIALLY)
I am just getting by financially
FN016C (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
FN017_intro
How often do each of these statements apply to you?

This statement applies to me
Subgroup of questions
FN017A (MONEY LEFT OVER)
I have money left over at the end of the month
FN017B (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
FN018_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 6 months

This statement was true for me or my household
Subgroup of questions
FN018A (WORRIED FOOD WOULD RUN OUT)
I worried whether our food would run out before I got money to buy more
FN018B (TROUBLE PAYING RENT/MORTGAGE)
We had trouble paying our rent or mortgage
FN018C (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
FN019_intro
In the past 6 months, have you or someone in your household used:

Subgroup of questions
FN019A (USED MONEY ORDER)
a money order
FN019B (USED CHECK-CASHING SERVICE)
a check-cashing service
FN019C (USED TAX REFUND LOAN)
a tax refund anticipation loan
FN019D (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
FN020 (USED PHONE TO CHECK ACCOUNT)
In 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?
FN021 (HOUSEHOLD USE A BUDGET)
Does your household use a budget or other type of plan to track and manage your spending?
FN022 (USE AUTOMATIC MONEY TRANSFERS)
Does your household use automatic money transfers to transfer money to savings or investments?
FN023 (HAVE AT LEAST ONE CREDIT CARD)
Do you have at least one credit card?
if FN023 = 1 then
FN024 (HOW FREQUENTLY CARRIED AN UNPAID CREDIT CARD BALANCE)
In the past 6 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
FN025 (HOW FREQUENTLY PAID THE CREDIT CARD MINIMUM)
In the past 6 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
FN026 (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
FN027 (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:
FN027_other (HOW WOULD PAY FOR $400 EXPENSE--OTHER)
STRING
End of group of questions
FN028 (HOUSEHOLD CALCULATED NEEDED RETIREMENT SAVINGS)
Has your household attempted to calculate how much you currently need to save for retirement?
FN029 (HOUSEHOLD SPENDING COMPARED TO TOTAL INCOME)
Which of the following statements best describes how your household’s total spending compared to total income, over the last month, of [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019]?
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
cfsi_scoring_fn029 := array(1=>100,2=>75,3=>50,4=>25,5=>0)
cfsi_scoring_fn030 := array(1=>100,2=>60,3=>40,4=>20,5=>0)
FN030 (FREQUENCY BILLS PAID ON TIME)
Which of the following statements best describes how your household has paid its bills over the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019]? My household has been financially able to:
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 FN029 = response then
score_fn029 := cfsi_scoring_fn029[FN029]
Else
score_fn029 := -1
End of if
if FN030 = response then
score_fn030 := cfsi_scoring_fn030[FN030]
Else
score_fn030 := -1
End of if
if score_fn029 >= 0 and score_fn030 >= 0 then
financial_health_spend_subscore := (score_fn029 + score_fn030) / 2
Else
financial_health_spend_subscore := -1
End of if
cfsi_scoring_fn031 := array(1=>100,2=>75,3=>50,4=>25,5=>0)
cfsi_scoring_fn032 := array(1=>100,2=>75,3=>50,4=>25,5=>0)
FN031 (HOW LONG COULD COVER EXPENSES)
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
FN032 (CONFIDENCE IN MEETING LONGER 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?
if FN031 = response then
score_fn031 := cfsi_scoring_fn031[FN031]
Else
score_fn031 := -1
End of if
if FN032 = response then
score_fn032 := cfsi_scoring_fn032[FN032]
Else
score_fn032 := -1
End of if
if score_fn031 >= 0 and score_fn032 >= 0 then
financial_health_save_subscore := (score_fn031 + score_fn032) / 2
Else
financial_health_save_subscore := -1
End of if
cfsi_scoring_fn033 := array(1=>85,2=>40,3=>0,4=>100)
cfsi_scoring_fn034 := array(1=>100,2=>80,3=>60,4=>40,5=>0,6=>0)
FN033 (HOW MANAGEABLE DEBT IS)
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
FN034 (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 FN033 = response then
score_fn033 := cfsi_scoring_fn033[FN033]
Else
score_fn033 := -1
End of if
if FN034 = response then
score_fn034 := cfsi_scoring_fn034[FN034]
Else
score_fn034 := -1
End of if
if score_fn033 >= 0 and score_fn034 >= 0 then
financial_health_borrow_subscore := (score_fn033 + score_fn034) / 2
Else
financial_health_borrow_subscore := -1
End of if
cfsi_scoring_FN035 := array(1=>100,2=>75,3=>50,4=>25,5=>10,6=>0)
cfsi_scoring_fn036 := array(1=>100,2=>65,3=>35,4=>15,5=>0)
FN035 (CONFIDENT IN INSURANCE COVERAGE)
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?
FN036 (AGREE THAT HOUSEHOLD PLANS AHEAD FINANCIALLY)
To what extent do you agree or disagree with the following statement: "My household plans ahead financially."
if FN035 = response then
score_FN035 := cfsi_scoring_fn035[FN035]
Else
score_FN035 := -1
End of if
if FN036 = response then
score_fn036 := cfsi_scoring_fn036[FN036]
Else
score_fn036 := -1
End of if
if score_fn035 >= 0 and score_fn036 >= 0 then
financial_health_plan_subscore := (score_fn035 + score_fn036) / 2
Else
financial_health_plan_subscore := -1
End of if
if score_fn029 >= 0 and score_fn030 >= 0 and score_fn031 >= 0 and score_fn032 >= 0 and score_fn033 >= 0 and score_fn034 >= 0 and score_fn035 >= 0 and score_fn036 >= 0 then
financial_health_totalscore := (score_fn029 + score_fn030 + score_fn031 + score_fn032 + score_fn033 + score_fn034 + score_fn035 + score_fn036) / 8
Else
financial_health_totalscore := -1
End of if
FN037 (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
FN038 (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
FN039 (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
FN040 (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
FN041 (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
FN042 (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
Group of questions presented on the same screen
FN043 (HOUSEHOLD FINANCES OPEN RESPONSE)
Overall, how would you describe the household finances in the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019]? Please upload an audio recording in the UAS app, or write a couple of sentences describing your situation, whatever you prefer. Below we provide an example of how to answer this question.

“Last month our household income was close to what we expected, but I dropped my cellphone & the screen broke and I had to spend $100 to get it fixed. This was an unexpected expense. This month we also spend more money than usual since there is no school and someone has to take care of the kids when I am at work. This month we used our credit card to cover these extra expenses.”

To record a few sentences based on your own experience using the UAS app, please follow these instructions:
  • Leave this page open - don’t close it. After recording, you will come back here to finish the survey. If you are taking this survey on a computer, open the UAS app on your phone.
  • Tap on the 3 dots in the upper right corner to pull down the menu.
  • Tap on "Sound Recording". If you see a screen that says "UAS would like to access the microphone" tap "OK" to continue.
  • When you are ready, tap on the microphone. It will turn into a red button.
  • Start talking.
  • When you are done recording, tap on the red button and it will turn into a green check mark.
  • If you would like to listen to your recording, you can play it back by tapping the "play" button.
  • If you would like to re-record, click on the green check mark to begin again (your previous recording will be deleted).
  • When you are done, and can see the green check mark: Tap the "upload" button.
  • When it has finished uploading, tap the "<" symbol in the upper left corner to return to the app, or return to your computer to continue the survey.
OR type out a few sentences describing your own experience below:
STRING
custom_msg
Click Next after you have typed in the box or uploaded a recording.
End of group of questions
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 (INTRO TO ANXIETY TABLE)
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
H019 (DAYS WITH ANXIETY--NERVOUS/ANXIOUS)
Feeling nervous, anxious, or on edge
H020 (DAYS WITH ANXIETY--UNABLE TO STOP WORRYING)
Not being able to stop or control worrying
H021 (DAYS WITH ANXIETY--WORRYING ABOUT DIFFERENT THINGS)
Worrying too much about different things
H022 (DAYS WITH ANXIETY--TROUBLE RELAXING)
Trouble relaxing
H023 (DAYS WITH ANXIETY--RESTLESS)
Being so restless that it is hard to sit still
H024 (DAYS WITH ANXIETY--IRRITABLE)
Becoming easily annoyed or irritable
H025 (DAYS WITH ANXIETY--FEELING AFRAID)
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
confidence_intro (INTRO TO CONFIDENCE TABLE)
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
H026 (SELF EFFICACY--SOLVE DIFFICULT PROBLEMS)
I can manage to solve difficult problems if I try hard enough
H027 (SELF EFFICACY--DEAL WITH UNEXPECTED EVENTS)
I am confident that I could deal efficiently with unexpected events
H028 (SELF EFFICACY--THINK OF SOLUTION TO TROUBLE)
If I am in trouble, I can think of a solution
H029 (SELF EFFICACY--HANDLE WHATEVER COMES MY WAY)
I can handle whatever comes my way
End of subgroup of questions
End of group of questions
H030 (FINANCES CAUSED STRESS)
Over the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019], how much stress, if any, did your finances cause you?
1 High stress
2 Moderate stress
3 Some stress
4 No stress
if H030 = 1 or H030 = 2 or H030 = 3 then
Group of questions presented on the same screen
stress_intro (INTRO TEXT TO STRESS TABLE)
During the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019], to what extent, if any, has financial stress negatively impacted...

Financial stress had in ...
Subgroup of questions
H031 (FINANCIAL STRESS AFFECTED PHYSICAL HEALTH)
...your physical health
H032 (FINANCIAL STRESS AFFECTED MENTAL HEALTH)
...your mental health
H033 (FINANCIAL STRESS AFFECTED FAMILY LIFE)
...your family life
H034 (STRESS IMPACTED WORK OR SCHOOL PERFORMANCE)
...your work or school performance?
H034_NA (DONT WORK/DON'T GO TO SCHOOL)
1 Not applicable (I don't work/go to school)
End of subgroup of questions
custom_error
H034scripts
End of group of questions
End of if
H035 (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 H035 = 1 then
Group of questions presented on the same screen
H036 (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
H036_other (MAIN SOURCE OF HEALTH INSURANCE--OTHER)
STRING
End of group of questions
End of if
Group of questions presented on the same screen
H037 (LEVEL OF STRESS OPEN RESPONSE)
In the last month, [August of 2018/September of 2018/October of 2018/November of 2018/December of 2018/January of 2019/February of 2019/March of 2019], was the level of stress you experienced, either low or high, linked to your household financial situation? Explain. Please upload an audio recording in the UAS app, or write a couple of sentences describing your situation, whatever you prefer. Below we provide an example of how to answer this question.

“Last month I was very stressed because I lost my job. I have started looking for jobs, and I am trying to keep a positive attitude. We are worried that losing this income will get us into economic trouble. We rely on my income for paying for rent and other stuff in the house and we don’t have savings we could use at the moment. I felt depressed and down a couple of days last month because of our household financial situation.”

To record a few sentences based on your own experience using the UAS app, please follow these instructions:
  • Leave this page open - don’t close it. After recording, you will come back here to finish the survey. If you are taking this survey on a computer, open the UAS app on your phone.
  • Tap on the 3 dots in the upper right corner to pull down the menu.
  • Tap on "Sound Recording". If you see a screen that says "UAS would like to access the microphone" tap "OK" to continue.
  • When you are ready, tap on the microphone. It will turn into a red button.
  • Start talking.
  • When you are done recording, tap on the red button and it will turn into a green check mark.
  • If you would like to listen to your recording, you can play it back by tapping the "play" button.
  • If you would like to re-record, click on the green check mark to begin again (your previous recording will be deleted).
  • When you are done, and can see the green check mark: Tap the "upload" button.
  • When it has finished uploading, tap the "<" symbol in the upper left corner to return to the app, or return to your computer to continue the survey.
OR type out a few sentences describing your own experience below:
STRING
custom_msg
Click Next after you have typed in the box or uploaded a recording.
End of group of questions
health_end (END OF HEALTH SECTION TEXT)
Thanks a lot for answering all 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
timewait := 3000
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
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
sw_error
End of group of questions
End of loop
Group of questions presented on the same screen
qual_intro
Since this is our final survey for this study, we have a few last questions for you.

After ending this study, are you likely to...
Subgroup of questions
Q001 (KEEP TRACK OF INCOME)
keep track of income and expenses on a monthly basis?
Q002 (SAVE FOR AN EMERGENCY)
save for an emergency?
Q003 (SAVE FOR RETIREMENT)
save for retirement?
Q004 (REDUCE OR MAINTAIN MANAGEABLE DEBT)
reduce or try to maintain a manageable amount of debt?
Q005 (MAKE FINANCIAL PLANS FOR THE FUTURE)
make financial plans for the future?
End of subgroup of questions
End of group of questions
Q006 (STUDY EXPERIENCE FEEDBACK)
How was your experience participating in this study? Was it difficult or easy to answer the questions? Did you learn something from participating? Please elaborate.
STRING