Routing for UAS543
intro2
This survey focuses on you and 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. For all questions, please answer to the best of your ability, and if you are not sure about the answer to a question, your best guess will do.
currentage := calcAge(dateofbirth_year, dateofbirth_month, dateofbirth_day)
if currentage = empty then
currentage (current age)
What is your current age?
RANGE 18..120
End of if
fin_intro2
First, we are going to ask some questions about your household.
Group of questions presented on the same screen
qd003_intro
Do you live with the following relatives?
Subgroup of questions
qd003a (Spouse, partner, or significant other lives in household)
Spouse, partner, or significant other
1 (YES) Yes
2 (NO) No
qd003b (Adult children or step-children (over 18) who are NOT currently enrolled in school live in household)
Adult children or step-children (over 18) who are NOT currently enrolled in school
1 (YES) Yes
2 (NO) No
qd003c (Parent(s) or parent(s)-in-law live in household)
Parent(s) or parent(s)-in-law
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
Fill code of question 'FLPartner' executed
Fill code of question 'FLPartnerOR' executed
Fill code of question 'FLPartnerAnd' executed
if qd003c = 1 then
Group of questions presented on the same screen
qd001_intro
You indicated that you live with parent(s) or parent(s)-in-law. Which of the following are reasons why you live with them?
Subgroup of questions
qd001a (live parents to receive financial help)
To receive financial help
1 (YES) Yes
2 (NO) No
qd001b (live parents To help them financially)
To help them financially
1 (YES) Yes
2 (NO) No
qd001c (live parents to receive help with childcare, medical care, or elder care)
To receive help with childcare or medical care
1 (YES) Yes
2 (NO) No
qd001d (live parents to give help with childcare or medical care)
To help them with childcare, medical care, or elder care
1 (YES) Yes
2 (NO) No
qd001e (live parents prefer to live with others)
You prefer to live with others
1 (YES) Yes
2 (NO) No
qd001f (live parents other)
Other (please specify):
Please write a brief description of the other reason(s).
Please select the Yes answer choice if you specified other reason(s) in the text box.
1 (YES) Yes
2 (NO) No
End of subgroup of questions
qd001f_other (specify live parents other)
STRING
End of group of questions
End of if
if qd003b = 1 then
Group of questions presented on the same screen
qd002_intro
You indicated that you live with adult children or step-children. Which of the following are reasons why you live with them?
Subgroup of questions
qd002a (live adult children to receive financial help)
To receive financial help
1 (YES) Yes
2 (NO) No
qd002b (live adult children To help them financially)
To help them financially
1 (YES) Yes
2 (NO) No
qd002c (live adult children to receive help with childcare, medical care)
To receive help with childcare or medical care
1 (YES) Yes
2 (NO) No
qd002d (live adult children to give help with childcare or medical care)
To help them with childcare or medical care
1 (YES) Yes
2 (NO) No
qd002e (live adult children prefer to live with others)
You prefer to live with others
1 (YES) Yes
2 (NO) No
qd002f (live adult children other)
Other (please specify):
Please write a brief description of the other reason(s).
Please select the Yes answer choice if you specified other reason(s) in the text box.
1 (YES) Yes
2 (NO) No
End of subgroup of questions
qd002f_other (specify live adult children other)
STRING
End of group of questions
End of if
Group of questions presented on the same screen
qb105 (living situation)
Do you or your family own the place where you live, or do you pay rent, or do you live rent free?
1 Own
2 Rent
3 Live rent free
4 Other (please specify):
qb105_other (other living situation--specify)
STRING
End of group of questions
qd004 (part play in making financial decisions for household)
What part, if any, do you play in making financial decisions for your household?
1 I make all the financial decisions myself
2 I make financial decisions with others in my household
3 Someone else in my household makes all the financial decisions
4 Don't know
q150_intro
For each of the next questions, please indicate whether or not the statements were true for you or your household's financial situation in the past 12 months.
Group of questions presented on the same screen
events_intro
In the past 12 months (that is, since [[]]), have you or anyone in your household experienced any of the following significant life events?
Subgroup of questions
qd151a (LIFE EVENT--DIVORCE)
Divorce
1 Yes
2 No
3 Don't know
qd151b (LIFE EVENT--SEPARATION)
Separation
1 Yes
2 No
3 Don't know
qd152 (LIFE EVENT--DEATH OF SOMEONE IN THE HOUSEHOLD)
Death of someone in the household
1 Yes
2 No
3 Don't know
qd153 (LIFE EVENT--BECAME PRIMARY CAREGIVER)
Became the primary caregiver of a child under the age of 18 years old (Reasons may include having a baby or other reasons)
1 Yes
2 No
3 Don't know
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
events_intro
In the past 12 months (that is, since [[]]), have you or anyone in your household experienced any of the following significant life events?
Subgroup of questions
qd160 (LIFE EVENT--PURCHASED A HOME)
Purchased a home
1 Yes
2 No
3 Don't know
qd161 (LIFE EVENT--BEGAN PAYING EDUCATIONAL EXPENSES)
Began paying educational expenses for yourself or someone in your household
1 Yes
2 No
3 Don't know
qd162 (LIFE EVENT--HAD MEDICAL EXPENSES THAT WERE PLANNED)
Had medical expenses that were planned
1 Yes
2 No
3 Don't know
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
events_intro
In the past 12 months (that is, since [[]]), have you or anyone in your household experienced any of the following significant life events?
Subgroup of questions
qb161 (LIFE EVENT--MAJOR HEALTH CHANGE OR PHYSICAL ABILITY)
Had a major change in health or physical ability that limits daily activities
1 Yes
2 No
3 Don't know
qd163 (LIFE EVENT--UNEXPECTED MAJOR REPAIR)
Made an unexpected major repair to your house, appliance, or car
1 Yes
2 No
3 Don't know
qd164 (LIFE EVENT--UNEXPECTED OUT OF POCKET MEDICAL EXPENSE)
Had an unexpected out-of-pocket medical expense
1 Yes
2 No
3 Don't know
qd165 (LIFE EVENT--HAD FINES, FEES OR COURT EXPENSES)
Had fines, fees, or court expenses (such as posting bail or paying a traffic ticket) related to legal proceedings other than a divorce
1 Yes
2 No
3 Don't know
q162 (LIFE EVENT--OTHER SIGNIFICANT LIFE EVENT)
Any other significant life events? If yes, please specify:
1 Yes
2 No
3 Don't know
End of subgroup of questions
q162_other (LIFE EVENT--OTHER SPECIFY)
STRING
ev_error
Please write a brief description of the other life event(s).
Please select the Yes answer choice if you specified other life event(s) in the text box.
End of group of questions
if wellbeing_randomizer = empty then
wellbeing_randomizer := mt_rand(1,2)
End of if
if wellbeing_randomizer = 1 then
q007_intro
The next questions ask you to read a statement and tell us how well that statement describes you or your situation.
qb01 (how well managing financially)
Overall, which one of the following best describes how well you are managing financially these days?
1 Finding it difficult to get by
2 Just getting by
3 Doing okay
4 Living comfortably
q007 (because of money situation, I feel like I will never have the things I want in life)
How well does this statement describe you or your situation? "Because of my money situation, I feel like I will never have the things I want in life."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
q008 (I am just getting by financially)
How well does this statement describe you or your situation? "I am just getting by financially."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
q009 (I am concerned that the money I have or will save won’t last)
How well does this statement describe you or your situation? "I am concerned that the money I have or will save won’t last."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
q010 (I have money left over at the end of the month)
How often does this statement apply to you? "I have money left over at the end of the month."
1 Always
2 Often
3 Sometimes
4 Rarely
5 Never
q011 (my finances control my life)
How often does this statement apply to you? "My finances control my life."
1 Always
2 Often
3 Sometimes
4 Rarely
5 Never
End of if
spending_intro
The next questions ask about your total household spending over the last 12 months. For each of these questions, please think about your personal spending, as well as how much other members of your household may have spent. "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.
q036 (how compares total income to total spending)
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
q039 (how paid bills over last 12 months)
Which of the following statements best describes how your household has paid its bills over the last 12 months?
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
qd003 (how household expenses changed)
In the past 12 months, how much have your household's expenses changed?
1 Expenses have increased a lot
2 Expenses have increased a little
3 Expenses have not changed
4 Expenses have decreased a little
5 Expenses have decreased a lot
qd040 (pay all bills if $3500 emergency expense)
How difficult would it be to pay your household’s regular monthly bills along with an unexpected $3,500 emergency expense?
1 Extremely difficult
2 Very difficult
3 Somewhat difficult
4 A little difficult
5 Not difficult at all
sav_intro
The next questions ask about your household’s savings, retirement funds, and investments.
q044 (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
q045 (how confident doing what needed to meet 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
qd046_intro2
Next we will ask whether you or anyone in your household has any of the following financial assets or accounts. Include all accounts that you or other members of your household have access to.
Group of questions presented on the same screen
qd046_intro
Do you or does anyone in your household have any of the following financial assets or accounts?
Subgroup of questions
qd046 (Checking or savings account)
Checking or savings account
1 Yes
2 No
3 Don't know
qd052 (Savings in cash not intended for daily expenses)
Savings in cash not intended for daily expenses
1 Yes
2 No
3 Don't know
qd054 (Bonds or certificates of deposits (CDs))
Bonds or certificates of deposits (CDs)
1 Yes
2 No
3 Don't know
qd055 (Educational savings plans (such as 529/Coverdell))
Educational savings plans (such as 529/Coverdell)
1 Yes
2 No
3 Don't know
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
qd046_intro
Do you or does anyone in your household have any of the following financial assets or accounts?
Subgroup of questions
qd048 (Employer-provided retirement account, or pension (such as a 401k, 403(b) or Thrift Savings Plan (TSP), etc.))
Employer-provided retirement account, or pension (such as a 401k, 403(b) or Thrift Savings Plan (TSP), etc.)
1 Yes
2 No
3 Don't know
qd049 (Individual retirement account not provided by an employer (such as an IRA, Keogh, SEP, or any other retirement fund) )
Individual retirement account not provided by an employer (such as an IRA, Keogh, SEP, or any other retirement fund)
1 Yes
2 No
3 Don't know
qd052a (Other non-retirement investment accounts that allow you to invest in the stock market (such as a traditional or online brokerage account or annuity))
Other non-retirement investment accounts that allow you to invest in the stock market (such as a traditional or online brokerage account or annuity)
1 Yes
2 No
3 Don't know
qd056 (Cryptocurrencies or other digital assets )
Cryptocurrencies or other digital assets
1 Yes
2 No
3 Don't know
qd053 (Other assets)
Other financial assets or accounts. Please do
not include real estate or housing:
Please write a brief description of the other asset(s) or account(s).
Please select the Yes answer choice if you specified (an)other financial asset(s) or account(s) in the text box.
1 Yes
2 No
3 Don't know
End of subgroup of questions
qd053_other (Other assets)
STRING
End of group of questions
if qd052a = 1 then
qd057 (how long have non-retirement investment account)
You indicated that you or someone in your household had a non-retirement investment account. How long have you had this account? If you have more than one, please think about the account you’ve had the longest.
1 Less than one year
2 Between 1 and 3 years
3 Between 4 and 10 years
4 Longer than 10 years
5 Don't know
End of if
qd058 (how household saves for short-term expenses or emergencies)
Which of the following best describes how your household saves for short-term expenses or emergencies?
Please remember to include automatic savings, contributions that were taken out of your paycheck by your employer, and automatic transfers to investment accounts.
1 I regularly set aside money to cover short-term emergencies or expenses when they come up
2 I set aside money for short-term emergencies or expenses when I can, but not regularly
3 I don’t set aside money to cover short-term expenses or emergencies
qd059 (how household saves for long-term expenses or emergencies)
Which of the following best describes how your household saves for long-term expenses like retirement or educational expenses?
Please remember to include automatic savings, contributions that were taken out of your paycheck by your employer, and automatic transfers to investment accounts.
1 I regularly set aside money to cover long-term expenses
2 I set aside money for long-term expenses when I can, but not regularly
3 I don’t set aside money for long-term expenses
q077_intro
The next questions ask about you and your household's credit and debts.
qc180 (checked credit score past 12 months)
In the past 12 months, have you checked your credit score?
1 Yes
2 No
3 Don't know
q004 (rate 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
q077 (debt payments manageable)
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
Group of questions presented on the same screen
qd076_intro
Do you or someone in your household have one or more of the following types of credit cards?
Subgroup of questions
qd076 (have general purpose credit card)
A general purpose credit card that has a Visa, MasterCard, American Express, or Discover logo and can be used at multiple merchants, not just a single store. These cards will always have a credit card company logo.
1 Yes
2 No
3 Don't know
qd077 (have store credit card)
A store credit card is a card without a Visa, MasterCard, American Express or Discover logo that can only be used at the store that issues them (for example, JCPenney or Target) or a related set of stores.
1 Yes
2 No
3 Don't know
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
q078_intro
Do you or anyone in your household currently have any of the following types of debt?
Subgroup of questions
qd078 (have debt--auto loans)
Auto loans
1 Yes
2 No
3 Don't know
qd079 (have debt--student loans)
Student loans
1 Yes
2 No
3 Don't know
qd080 (have debt--small business loans)
Small business loans
1 Yes
2 No
3 Don't know
qd081 (have debt--mortgages)
Mortgages
1 Yes
2 No
3 Don't know
qd175 (have debt--home equity line of credit with a balance)
Home equity line of credit with a balance
1 Yes
2 No
3 Don't know
qd082 (have debt--medical)
Past-due medical bills
1 Yes
2 No
3 Don't know
qd083 (have debt--credit cards)
Outstanding credit card balances carried over from previous months
1 Yes
2 No
3 Don't know
if qd048 = 1 OR qd049 = 1 then
qd83 (have debt--loan from a retirement plan)
Loan from a retirement plan
1 Yes
2 No
3 Don't know
End of if
qd084 (have debt--other debts)
Other debts or loans not listed (such as payday loans, auto title loans, personal loans, other past due bills, and money borrowed from family or friends), please specify:
Please write a brief description of the other debt(s) or loan(s).
Please select the Yes answer choice if you specified (an)other debt(s) or loan(s) in the text box.
1 Yes
2 No
3 Don't know
End of subgroup of questions
qd084_other (other debts--specify)
STRING
End of group of questions
if qd046 = 1 or qd076 = 1 or qd077 = 1 then
q189_intro
For the next few questions, please indicate how often, if ever, you have done each activity in the last 12 months.
if qd076 = 1 or qd077 = 1 then
qd189 (HOW OFTEN CARRY A CREDIT CARD BALANCE)
In the past 12 months, how often did you or someone in your household carry a balance on one or more of your credit cards and pay interest on that balance?
1 Always
2 Often
3 Sometimes
4 Rarely
5 Never - the balance is paid off every month
End of if
if qd046 = 1 then
qd190 (HOW OFTEN OVERDRAW CHECKING ACCT)
In the last 12 months, how often, if ever, did you or someone in your household overdraw your checking account?
1 Never
2 1 - 2 times
3 3 - 5 times
4 More than 5 times
5 Don't know
End of if
End of if
q106_intro
The next few questions ask about the different types of insurance that you and your household might have.
q106 (car insurance on all vehicles)
Do you or anyone in your household have car insurance on all your automobiles?
1 Yes
2 No
3 I don't know
4 Not applicable (we don't own a car)
if qb105 = 1 then
q107 (covered by homeowner's insurance)
Is your household currently covered by homeowner's insurance?
1 Yes
2 No
3 Don't know
elseif qb105 = 2 then
q108 (covered by renter's insurance)
Is your household currently covered by renter's insurance?
1 Yes
2 No
3 Don't know
End of if
q109 (have life insurance)
Do you currently have life insurance?
1 Yes
2 No
3 Don't know
qd111 (have health insurance)
Do you currently have health insurance?
1 Yes
2 No
3 Don't know
if qd111 = 1 then
Group of questions presented on the same screen
qd134 (main source of health insurance)
Which of the following is your main source of health insurance coverage?
1 A plan through your[ or your partner's] employer
3 A plan through your parent or guardian
4 Medicare
11 Medicaid
5 Through an insurance company or a state or federal marketplace that you purchased yourself (including Affordable Care Act (ACA) plans)
7 TRICARE or other military health benefits
9 Other, please specify:
10 Don't know
qd134_other (main source of health insurance--other)
STRING
End of group of questions
End of if
q112 (confidence 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?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
q113_intro
The next question asks about the extent to which your household plans ahead financially, that is, to cover upcoming expenses, or to save up for long-term goals or to cover emergencies.
q113 (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 or disagree
4 Disagree somewhat
5 Disagree strongly
qd113 (time period for planning or budgeting)
In planning or budgeting your household's saving and spending, which of the following time periods is most important to you and your household?
1 Next few months
2 Next year
3 Next few years
4 Next 5 to 10 years
5 Longer than 10 years
if sizeof(qd114_order) = 0 then
qd114_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6, 7 => 7, 8 => 8, 9 => 9, 10 => 10, 11 => 11))
End of if
Group of questions presented on the same screen
qd114 (most important financial goals)
Which of the following are your most important financial goals right now? Select up to three.
1 Saving for my own education or the education of someone in my household
2 Paying off student debt for myself or another person in my household
3 Purchasing a house
4 Paying off a mortgage on a house
5 Paying off other debt (credit card, car loan, etc.)
6 Saving for other large purchase (car, appliances, furnishings, wedding, or vacation )
7 Starting or growing a business
8 Saving for an emergency
9 Saving for retirement
10 Building or safeguarding an inheritance to pass on to my loved ones
11 Just getting by - covering basic living expenses
12 Other (please specify):
13 None of the above
qd114_other (other most important financial goals)
STRING
qd114_error
Please select up to three items at most.
End of group of questions
in_intro
The next set of questions will ask about your household income and whether anyone in your household received government benefits since [[]].
Group of questions presented on the same screen
q027_intro
In the last 12 months, did you or anyone in your household receive any of the following government benefits?
Subgroup of questions
qd027 (Medicaid or Children’s Health Insurance Program (CHIP))
Medicaid or Children’s Health Insurance Program (CHIP)
1 Yes
2 No
3 Don't know
qd029 (Temporary Assistance for Needy Families (TANF))
Temporary Assistance for Needy Families (TANF)
1 Yes
2 No
3 Don't know
qd028 (Programs that provide support based on a disability status or health condition)
Programs that provide support based on a disability status or health condition (such as Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI))
1 Yes
2 No
3 Don't know
qd030 (Women, Infants and Children (WIC))
Women, Infants and Children (WIC)
1 Yes
2 No
3 Don't know
qd032 (Supplemental Nutrition Assistance Program (SNAP or food stamps))
Supplemental Nutrition Assistance Program (SNAP or food stamps)
1 Yes
2 No
3 Don't know
qd031 (Section 8 or other housing programs)
Section 8 or other housing programs
1 Yes
2 No
3 Don't know
qd035 (Other public benefit)
Other government benefits not listed here, please specify:
Please write a brief description of the other benefit(s).
Please select the Yes answer choice if you specified (an)other government benefit(s) in the text box.
1 Yes
2 No
3 Don't know
End of subgroup of questions
qd035_other (other public benefit)
STRING
End of group of questions
qd034 (you or anyone in household receive any federal tax credits for working or supporting children)
In the most recent tax year (2022), did you or anyone in your household receive any federal tax credits for working or supporting children, such as the Earned Income Tax Credit (EITC) or Child Tax Credit (CTC)?
1 Yes
2 No
3 Don't know
if currentage > 61 then
qd036 (you or anyone in household receiving income from social security)
Are you or anyone in your household receiving income from social security?
1 Yes
2 No
3 Don't know
End of if
q025 (income varied month per month)
In the last 12 months, which of the following statements best describes how frequently 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
we_intro
The next set of questions will ask you to consider all of your major assets and investments together with your debts.
qd010 (household have money left after selling all)
Suppose you and your household were to sell all of your major possessions (your car, your home, etc.), turn all of your major investments and other assets into cash (including any financial assets such as your retirement accounts, savings and checking accounts, etc.) and pay all of your debts (including your mortgage, any other loans, medical debt, and credit cards). Would your household have money left over or be in debt?
1 Have money left over
2 Be in debt
3 Don't know
if qd010 = 1 then
qd011 (household how much money left after selling all)
You mentioned that you would have money left over - how much would you have?
1 $0 to $5,000
2 $5,001 to $10,000
3 $10,001 to $25,000
4 $25,001 to $50,000
5 $50,001 to $75,000
6 $75,001 to $100,000
7 $100,001 to $150,000
8 $150,001 to $250,000
9 $250,001 to $500,000
10 More than $500,000
elseif qd010 = 2 then
qd012 (household how much debt after selling all)
You mentioned that you would be in debt - how much debt would you have?
1 $0 to $2,500
2 $2,501 to $5,000
3 $5,001 to $10,000
4 $10,001 to $25,000
5 $25,001 to $50,000
6 More than $50,000
End of if
he_intro
The next two questions will ask about your health.
qc002 (overall health)
Would you say your health in general is...
1 Excellent
2 Very good
3 Good
4 Fair
5 Poor
qd202 (mental health)
Would you say your mental well-being in general is...
1 Excellent
2 Very good
3 Good
4 Fair
5 Poor
alt_intro
The next set of questions will ask about activities that you or someone in your household did at some place other than a bank or a credit union since [[]].
q070_questions := array(1 => "qd070",2 => "q071",3 => "q072",4 => "q073",5 => "q074",6 => "q075",7 => "q076")
if sizeof(q070_order) = 0 then
q070_order := shufflearray(array(1 => 1,2 => 2,3 => 3,4 => 4,5 => 5,6 => 6,7 => 7))
End of if
Group of questions presented on the same screen
q070_intro
In the past 12 months, did you or anyone in your household do any of the following activities at some place other than a bank or credit union?
Subgroup of questions
Loop from 1 to 7
Value of question 'q070_questions[q070_order[cnt]]' asked as question
End of loop
End of subgroup of questions
End of group of questions
q019_intro
For each of the next questions, please indicate whether the statements were often, sometimes, or never true for you or your household's financial situation, in the past 12 months.
qd019 (ever worried whether food would run out before got money to buy more.)
In the past 12 months, have you ever worried that your food would run out before you got money to buy more?
1 Yes
2 No
3 Don't know
qd020 (ever had trouble paying rent or mortgage)
In the past 12 months, have you ever had trouble paying your rent or mortgage?
1 Yes
2 No
3 Don't know
qd021 (did not get healthcare needed because couldn't afford it)
In the past 12 months, have you or someone in your household ever had to forgo healthcare because you couldn’t afford it?
1 Yes
2 No
3 Don't know
qd022 (stopped taking a medication or took less than directed due to the costs)
In the past 12 months, have you or someone in your household ever stopped taking a medication or took less than directed due to the costs?
1 Yes
2 No
3 Don't know
qd090 (how doing financially compared to a year ago)
We are interested in how people are getting along financially these days. Would you say that in comparison to a year ago, you and your family living in your household are financially...?
1 Better off now
2 About the same now
3 Worse off now
4 Don't know
qd091 (how doing financially one year from now)
Now looking ahead, do you think that a year from now you and your family living in your household will be financially...?
1 Better off now
2 About the same now
3 Worse off now
4 Don't know
qd092 (how business condition during next 12 months)
Now turning to business conditions in the country as a whole – do you think that during the next 12 months we will have...?
1 Good times financially
2 Neither good nor bad times financially
3 Bad times financially
4 Don't know
qd093 (how business condition during next 5 years)
Looking ahead, which would you say is more likely - that in the country as a whole during the next 5 years, we will have...
1 Continuous good times
2 Neither continuously good times nor widespread bad times
3 Widespread bad times
4 Don't know
qd094 (time to buy major household items)
About the big things people buy for their homes such as furniture, a refrigerator, a stove, television, and things like that. Generally speaking do you think...?
1 Now is a good time to buy major household items
2 Now is neither a good nor a bad time for people to buy major household items
3 Now is a bad time for people to buy major household items
4 Don't know
if wellbeing_randomizer = 2 then
q007_intro
The next questions ask you to read a statement and tell us how well that statement describes you or your situation.
qb01 (how well managing financially)
Overall, which one of the following best describes how well you are managing financially these days?
1 Finding it difficult to get by
2 Just getting by
3 Doing okay
4 Living comfortably
q007 (because of money situation, I feel like I will never have the things I want in life)
How well does this statement describe you or your situation? "Because of my money situation, I feel like I will never have the things I want in life."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
q008 (I am just getting by financially)
How well does this statement describe you or your situation? "I am just getting by financially."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
q009 (I am concerned that the money I have or will save won’t last)
How well does this statement describe you or your situation? "I am concerned that the money I have or will save won’t last."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
q010 (I have money left over at the end of the month)
How often does this statement apply to you? "I have money left over at the end of the month."
1 Always
2 Often
3 Sometimes
4 Rarely
5 Never
q011 (my finances control my life)
How often does this statement apply to you? "My finances control my life."
1 Always
2 Often
3 Sometimes
4 Rarely
5 Never
End of if
q013 (stress because of finances)
How much stress, if any, do your finances cause you?
1 High stress
2 Moderate stress
3 Some stress
4 No stress
em_intro
The following questions ask about your employment.
qd120 (current employment status)
Which of the following best describes your current employment status?
1 Working for pay
2 Not working for pay at all but looking for paid work
3 Not working for pay and NOT looking for paid work (e.g., retired, disabled, student, homemaker)
if qd120 = 1 then
Group of questions presented on the same screen
qd121_intro
Do the following specific employment situations apply to you? Think about all the income you have earned in the past year.
Subgroup of questions
qd121a (I earned income as an independent contractor or consultant or a freelance worker)
I earned income as an independent contractor or consultant or a freelance worker This includes 'gig' work where you receive a 1099 at tax time.
1 (YES) Yes
2 (NO) No
qd121b (I earned income from a business I fully or partially own)
I earned income from a business I fully or partially own
1 (YES) Yes
2 (NO) No
qd121c (I earned income from an ‘on-call’ position where I was only called in to work as-needed)
I earned income from an 'on-call' position where I was only called in to work as-needed
1 (YES) Yes
2 (NO) No
qd121d (I earned income from a limited time temporary job)
I earned income from a limited time temporary job
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
qd122 (currently have more than one job)
Do you currently have more than one job?
1 (YES) Yes
2 (NO) No
Fill code of question 'FLQD125' executed
if qd122 = 1 then
qd124b (full time job multiple jobs)
Are any of the jobs you work considered 'full-time'? Full-time means you routinely work at least 35 hours every week at that one job.
1 Yes, I have at least one job where I routinely work at least 35 hours or more each week
2 No, I work fewer than 35 hours a week at each of my jobs
qd125b (size of organization multiple jobs)
Thinking about the smallest company or organization where you work, how many employees other than yourself work for the business? Please consider all employees who may work remotely or in different office locations from yourself.
1 [No one else]
8 1 to 4 employees
2 5 to 19 employees
3 20 to 49 employees
4 50 to 99 employees
5 100 to 499 employees
6 500 or more employees
7 Don't know
Else
qd124a (full time job one job)
Is your job considered 'full-time'? Full-time means you routinely work at least 35 hours every week at that one job.
1 Yes, I routinely work at least 35 hours or more each week
2 No, I work fewer than 35 hours a week at my job
qd125a (size of organization one job)
Thinking about the company or organization where you work, how many employees other than yourself work for the business? Please consider all employees who may work remotely or in different office locations from yourself.
1 [No one else]
8 1 to 4 employees
2 5 to 19 employees
3 20 to 49 employees
4 50 to 99 employees
5 100 to 499 employees
6 500 or more employees
7 Don't know
End of if
if qd121b = 1 then
qd126 (how frequently mix personal finances with business finances)
How frequently do you mix your personal finances with business finances? For example, how frequently do you do things like use your personal credit to purchase things for the business, or use business funds to pay for something personal?
1 All the time
2 Very often
3 Sometimes
4 Rarely
5 Never
End of if
Fill code of question 'FLqa17a' executed
Group of questions presented on the same screen
qd17a (type of industry/industries)
In what type of industry are you employed?[ If your jobs are in different industries, please select all the industries in which you work.]
1 Accommodation and food services
2 Administrative support and waste management and remediation services
3 Agriculture, forestry, fishing, and hunting
4 Armed Forces
5 Arts, entertainment, and recreation
6 Construction
7 Educational services
8 Finance and insurance
9 Healthcare and social assistance
10 Information
11 Management of companies and enterprises
12 Manufacturing
13 Mining, quarrying, and oil and gas extraction
14 Professional, scientific, and technical services
15 Public administration
16 Real estate and rental and leasing
17 Retail
18 Telecom, information technology, broadcasting, or data services
19 Transportation and warehousing
20 Utilities
21 Wholesale trade
22 Other services, except public administration (please specify):
qd17a_other (other type of industry)
STRING
End of group of questions
if sizeof(qd123_order) = 0 then
qd123_order := shuffleArray(array(1 => 1, 3 => 3, 4 => 4, 5 => 5, 6 => 6, 7 => 7, 8 => 8, 9 => 9, 10 => 10, 11 => 11, 12 => 12))
End of if
if qd122 = 1 then
Group of questions presented on the same screen
qd123b (benefits have access to through employer multiple jobs)
Which of the following benefits do you have access to through any of your employers (even if you do not personally use the benefit)? Please select all that apply.
1 Paid sick leave or vacation/personal leave
2 Paid parental leave
3 Student loan repayment
4 Health insurance
5 Disability insurance
6 Life insurance
7 Retirement plans (such as a 401k, 403(b), or Thrift Savings Plan (TSP))
8 Pension or cash balance plan
9 Subsidies to pay for childcare
10 Ability to work from home
11 Access to earned wages in advance of payday (Employers typically partner with a provider like Even, Payactiv, Dailypay, Branch, or Instant Financial to offer such a service.)
12 Access to an emergency savings account or employer contributions toward emergency savings
13 Other (please specify):
14 None of these
qd123b_other (other benefits have access to through employer multiple jobs)
STRING
End of group of questions
qd123_other := qd123b_other
Else
Group of questions presented on the same screen
qd123a (benefits have access to through employer)
Which of the following benefits do you have access to through your employer (even if you do not personally use the benefit)? Please select all that apply.
1 Paid sick leave or vacation/personal leave
2 Paid parental leave
3 Student loan repayment
4 Health insurance
5 Disability insurance
6 Life insurance
7 Retirement plans (such as a 401k, 403(b), or Thrift Savings Plan (TSP))
8 Pension or cash balance plan
9 Subsidies to pay for childcare
10 Ability to work from home
11 Access to earned wages in advance of payday (Employers typically partner with a provider like Even, Payactiv, Dailypay, Branch, or Instant Financial to offer such a service.)
12 Access to an emergency savings account or employer contributions toward emergency savings
13 Other (please specify):
14 None of these
qd123a_other (other benefits have access to through employer one job)
STRING
End of group of questions
qd123_other := qd123a_other
End of if
End of if
qd127 (member of labor union)
Are you a member of a labor union or of an employee association similar to a union?
1 Yes
2 No
3 Don't know
qd128_intro
The next few questions ask about changes in your employment over the past 12 months.
Group of questions presented on the same screen
qd128_intro2
In the past 12 months, have you experienced the following changes?
Subgroup of questions
qd128a (I changed employers voluntarily)
I changed employers voluntarily
1 (YES) Yes
2 (NO) No
qd128b (I was permanently laid off or fired)
I was permanently laid off or fired
1 (YES) Yes
2 (NO) No
qd128c (I was furloughed or put on temporary leave)
I was furloughed or put on temporary leave
1 (YES) Yes
2 (NO) No
qd128d (My hours increased)
My hours increased
1 (YES) Yes
2 (NO) No
qd128e (My hours decreased)
My hours decreased
1 (YES) Yes
2 (NO) No
qd128f (My annual salary or hourly wage increased)
My annual salary or hourly wage increased
1 (YES) Yes
2 (NO) No
qd128g (My annual salary or hourly wage decreased)
My annual salary or hourly wage decreased
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
qd136 (ability to work been negatively affected by caregiving responsibilities)
In the past 12 months, has your ability to work been negatively affected by caregiving responsibilities?
1 Yes
2 No
3 Other, please specify:
qd136_other (other ability to work been negatively affected by caregiving responsibilities)
STRING
End of group of questions
if qd136 = 1 then
if sizeof(qd137_order) = 0 then
qd137_order := shuffleArray(array(1 => 1, 3 => 3, 4 => 4, 5 => 5, 6 => 6, 7 => 7, 8 => 8, 9 => 9))
End of if
Group of questions presented on the same screen
qd137 ( experiences as a result of your caregiving responsibilities)
In the past 12 months, did you experience any of the following as a result of your caregiving responsibilities? Please select all that apply.
1 Reduced hours at work
2 Used paid time off (vacation or sick time)
3 Took an extended paid leave of absence from my employer
4 Took an extended unpaid leave of absence from my employer
5 Switched to a less demanding job
6 Switched to a job that allowed remote work
7 Quit a job and left the workforce
8 Took on additional hours to pay for the cost of caregiving
9 Took a job with higher pay to cover the cost of caregiving
10 Other, please specify:
qd137_other (other experiences as a result of your caregiving responsibilities)
STRING
End of group of questions
End of if
inf_intro
The next section asks about the prices of goods and services that you purchase.
qd200 (how price increases over past 12 months impacted ability to maintain standard of living)
Please think about your ability to maintain your household's standard of living. How have price increases over the past 12 months impacted your ability to maintain your standard of living?
1 Price increases have had no impact
2 Price increases have had a minor impact
3 Price increases have had a moderate impact
4 Price increases have had a major impact
5 Don't know
qd171 (financial stress because of price increases)
How much financial stress, if any, have price increases over the past 12 months caused you and your household?
1 High financial stress
2 Moderate financial stress
3 Some financial stress
4 No financial stress
Group of questions presented on the same screen
qd172_intro
Have you or has anyone in your household taken any of the following actions in the last year to help you deal with the impact of these price increases? Please select all that apply.
Subgroup of questions
qd172a (Cut back on the amount that we buy)
Cut back on the amount that we buy
1 (YES) Yes
2 (NO) No
qd172b (Used savings to pay for everyday expenses)
Used savings to pay for everyday expenses
1 (YES) Yes
2 (NO) No
qd172c (Shopped more at discount retailers (for example, dollar stores, discount grocers) )
Shopped more at discount retailers (for example, dollar stores, discount grocers)
1 (YES) Yes
2 (NO) No
qd172d (Carried a balance on a credit card)
Carried a balance on a credit card
1 (YES) Yes
2 (NO) No
qd172e (Purchased items in bulk)
Purchased items in bulk
1 (YES) Yes
2 (NO) No
qd172f (Change what you buy (e.g., chicken or eggs rather than beef))
Change what you buy (e.g., chicken or eggs rather than beef)
1 (YES) Yes
2 (NO) No
qd172g (Delayed a planned purchase, for example, a car or vacation )
Delayed a planned purchase, for example, a car or vacation
1 (YES) Yes
2 (NO) No
qd172h (Moved to less expensive housing)
Moved to less expensive housing
1 (YES) Yes
2 (NO) No
qd172i (Drove less to save on gas)
Drove less to save on gas
1 (YES) Yes
2 (NO) No
qd172k (Gone to charities, food banks, etc. )
Gone to charities, food banks, etc.
1 (YES) Yes
2 (NO) No
qd172j (other measure taken to help cope price increases)
Other (please specify):
Please write a brief description of the other action(s).
Please select the Yes answer choice if you specified (an)other action(s) in the text box.
1 (YES) Yes
2 (NO) No
End of subgroup of questions
qd172j_other (specify other measure taken to help cope price increases)
STRING
End of group of questions
if qd079 = 1 then
qd215 (personally have student loan)
You indicated that someone in your household has student loans. Do you personally have a student loan?
1 Yes
2 No
3 Don't know
if qd215 = 1 then
qc210 (ever taken out federal or private student loan)
You indicated that you have student loans. There are two types of loans we are interested in:
Federal student loans are issued or guaranteed by the federal government. They can be subsidized or unsubsidized and never require a co-signer.
Private student loans are borrowed from a private lender, such as a bank, institution, credit union, or state, and usually require a co-signer.
Do you currently have a federal student loan, a private student loan, or both?
1 Federal student loan only
2 Private student loan only
3 Both federal and private student loans
4 Don't know
qc211 (temporary pause payments and interest apply to any loans)
In March 2020, the federal government temporarily paused payments and interest for most borrowers with federal student loans as part of its COVID-19 assistance efforts.
Does this temporary pause apply to any of the student loans that you are currently responsible for paying?
1 Yes
2 No
3 Don't know
qd214 (how difficult pay if student loan pause ended next month)
Suppose the federal student loan pause ended next month. How easy or difficult would it be for you to afford your monthly payments?
1 Very easy
2 Somewhat easy
3 Neither easy nor difficult
4 Somewhat difficult
5 Very difficult
qd216 (student loan on an income-driven repayment (IDR) plan)
Is your student loan on an income-driven repayment (IDR) plan?
With IDR plans your monthly payment is determined based on your annual income. They include Revised Pay As You Earn (REPAYE), Pay as You Earn (PAYE), Income-Based Repayment (IBR), and Income-Contingent Repayment (ICR).
1 Yes
2 No
3 Don't know
End of if
End of if
exd_intro
In this next section, we will ask questions about your personal financial experiences.
qd220 (personally trust financial institutions such as banks or credit unions)
In general, how much do you personally trust financial institutions such as banks or credit unions?
1 Completely trust
2 Mostly trust
3 Somewhat trust
4 Trust very little
5 Trust not at all
qd221 (how much financial help expect from family)
If you need it, how much financial help could you expect from your family?
1 All the help I need
2 Most of the help I need
3 Very little of the help I need
4 No help at all
qd222 (how much financial help expect from friends)
If you need it, how much financial help could you expect from your friends?
1 All the help I need
2 Most of the help I need
3 Very little of the help I need
4 No help at all
qd223 (already filed taxes for 2022)
Have you already filed taxes for 2022?
1 Yes
2 No
3 Don't know
if qd223 = 1 then
qd224 (expectation taxes for 2022)
After filing your 2022 taxes, did you or do you expect to...?
1 Receive a refund
2 Have to pay
4 Neither receive a refund nor have to pay
3 Don't know
End of if
Group of questions presented on the same screen
q043 (how pay emergency expense)
Suppose now 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, 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:
q043_other (other how pay emergency expense)
STRING
End of group of questions
q003 (satisfaction current financial situation)
Overall, how satisfied are you with your current financial situation?
1 Extremely satisfied
2 Very satisfied
3 Somewhat satisfied
4 Not very satisfied
5 Not at all satisfied
cond_intro
The next six questions ask more specifically about physical, mental, or emotional conditions that can cause serious difficulty with daily activities. You may have answered the following questions before recently, but we want to make sure we have the most up-to-date information.
qd138 (you or anyone in household deaf or anyone have serious difficulty hearing)
Are you or anyone in your household deaf or does anyone have serious difficulty hearing?
1 (YES) Yes
2 (NO) No
if qd138 = 1 then
qd138a (who deaf or anyone have serious difficulty hearing)
Who in your household is deaf or has serious difficulty hearing? Please select all that apply.
1 Myself
2 Another adult in my household age 18-65
3 Another adult in my household over the age of 65
4 A child under 18
End of if
qd139 (you or anyone in household blind or does anyone have serious difficulty seeing even when wearing glasses)
Are you or anyone in your household blind or does anyone have serious difficulty seeing even when wearing glasses?
1 (YES) Yes
2 (NO) No
if qd139 = 1 then
qd139a (who blind or does anyone have serious difficulty seeing even when wearing glasses)
Who in your household is blind or has serious difficulty seeing? Please select all that apply.
1 Myself
2 Another adult in my household age 18-65
3 Another adult in my household over the age of 65
4 A child under 18
End of if
qd140 (you or anyone in household have serious difficulty concentrating, remembering, or making decisions)
Because of a physical, mental, or emotional condition, do you or anyone in your household have serious difficulty concentrating, remembering, or making decisions?
1 (YES) Yes
2 (NO) No
if qd140 = 1 then
qd140a (who has serious difficulty concentrating, remembering, or making decisions)
Who in your household has serious difficulty concentrating, remembering, or making decisions? Please select all that apply.
1 Myself
2 Another adult in my household age 18-65
3 Another adult in my household over the age of 65
4 A child under 18
End of if
qd141 (you or anyone in household have serious difficulty walking or climbing stairs)
Do you or anyone in your household have serious difficulty walking or climbing stairs?
1 (YES) Yes
2 (NO) No
if qd141 = 1 then
qd141a (who has serious difficulty walking or climbing stairs)
Who in your household has serious difficulty walking or climbing stairs? Please select all that apply.
1 Myself
2 Another adult in my household age 18-65
3 Another adult in my household over the age of 65
4 A child under 18
End of if
qd142 (you or anyone in household have difficulty dressing or bathing)
Do you or anyone in your household have difficulty dressing or bathing?
1 (YES) Yes
2 (NO) No
if qd142 = 1 then
qd142a (who has serious difficulty dressing or bathing)
Who in your household has serious difficulty dressing or bathing? Please select all that apply.
1 Myself
2 Another adult in my household age 18-65
3 Another adult in my household over the age of 65
4 A child under 18
End of if
qd143 (you or anyone in household have difficulty doing errands alone)
Because of a physical, mental, or emotional condition, do you or anyone in your household have difficulty doing errands alone such as visiting a doctor's office or shopping?
1 (YES) Yes
2 (NO) No
if qd143 = 1 then
qd143a (who has serious difficulty doing errands alone)
Who in your household has serious difficulty doing errands alone such as visiting a doctor’s office or shopping? Please select all that apply.
1 Myself
2 Another adult in my household age 18-65
3 Another adult in my household over the age of 65
4 A child under 18
End of if
ed_intro
The next few questions are about you.
if sizeof(qb12_order) = 0 then
qb12_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6, 7 => 7))
End of if
Group of questions presented on the same screen
qb12 (race)
What is your race or ethnicity? Mark all that apply. Note, you may report more than one race or ethnicity.
1 White
2 Hispanic, Latino, Spanish, or Latinx
3 Black or African American
4 Asian or Asian American
5 American Indian or Alaska Native
6 Middle Eastern or North African
7 Native Hawaiian or other Pacific Islander
8 Some other race or ethnicity (please specify):
qb12_other (other race)
STRING
End of group of questions
Group of questions presented on the same screen
qb10 (gender identity)
How do you define your gender identity?
1 Man
2 Woman
3 Non-binary, gender non-conforming, or genderqueer
4 Other (please specify):
qb10_other (other gender identity)
STRING
End of group of questions
qb11 (identify as transgender)
Do you identify as transgender?
1 (YES) Yes
2 (NO) No
Group of questions presented on the same screen
qb09 (sexual orientation)
How would you describe your sexual orientation?
1 Homosexual, gay or lesbian
2 Bisexual, pansexual or queer
3 Heterosexual or straight
4 Asexual
5 Some other description (please specify):
qb09_other (other sexual orientation)
STRING
End of group of questions
qa48_intro
Thank you, that is nearly all of our questions. The next question asks about your willingness to share additional data with us to conduct valuable research about people’s financial health.
[
Last year, we asked for your permission to access information from your credit report. You kindly agreed, but the project was postponed for a year and we never accessed the information. If you agree again this year, we will access your data right away and will then credit your UAS account. Please review the information in the next question. Participation is voluntary, and we will only access your credit report information if you agree again this year.]
qa48 (consent credit report)
We would like your permission to match information from your credit report to your survey responses without linking to your name. We will use information such as credit score to help researchers understand your survey responses better, with the goal of more accurately measuring financial health in the current environment. Please read the information below before making a decision.
- You will be compensated $10 if we access your credit report.
- The process will not affect your credit or your credit score in any way.
- UAS will use your name and date of birth to match survey responses to credit information "behind the scenes" while protecting your privacy.
- As with all survey data, researchers who analyze the combined data will see only your survey answers and information from the credit report. They will not have access to your name or date of birth.
- There is a very small risk that your identity could be disclosed. We will protect against this risk by following the same security protocol that we use to protect your identity when taking surveys.
- Also, reports created from the data never includes any information that can identify individuals.
- Your credit information will be kept without any links to your personal information, just like your survey responses.
- No other action will be required on your part beyond providing permission below.
Do we have your permission to match your credit report to your survey responses?
1 (YES) Yes
2 (NO) No
CS_001 (HOW PLEASANT INTERVIEW)
Could you tell us how interesting or uninteresting you found the questions in this survey?
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
CS_003 (comments)
Do you have any other comments on the survey? Please type these in the box below. (If you have no comments, please click next to complete this survey.)
STRING