Routing for UAS704

year_ago := getDateNow()
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
surveyversion := '1'
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
qe003a (Spouse, partner, or significant other lives in household)
Spouse, partner, or significant other
1 (YES) Yes
2 (NO) No
qe003b (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
qe003e (Children or step-children (under 18))
Children or step-children (under 18)
1 (YES) Yes
2 (NO) No
qe003c (Parent(s) or parent(s)-in-law live in household)
Parent(s) or parent(s)-in-law
1 (YES) Yes
2 (NO) No
qe003d (Other relatives)
Other relatives (Please specify):
1 (YES) Yes
2 (NO) No
End of subgroup of questions
qe003d_other (specify other relatives)
STRING
fin_error
End of group of questions
Fill code of question 'FLPartner' executed
Fill code of question 'FLPartnerOR' executed
Fill code of question 'FLPartnerAnd' executed
if qe003c = 1 then
Group of questions presented on the same screen
qd001_intro
You indicated that you live with a 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):
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 qe003b = 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):
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
if qe003a = 1 OR qe003b = 1 OR qe003c = 1 OR qe003d = 1 then
qf022 (anyone living with you 62 years old or older)
Is anyone living with you 62 years old or older?
1 (YES) Yes
2 (NO) No
End of if
Fill code of question 'FLqe105' executed
qe105 (own where you live)
Do you[ or someone in your household] own the place where you live, either with or without a mortgage or loan?
1 Yes
2 No
3 Don't know
if qe105 != 1 then
qe105a (rent where you live)
Do you[ or someone in your household] rent the place where you live?
1 Yes
2 No
3 Don't know
End of if
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
if qd004 = 3 then
earlyexit
Thank you! We do not have any further questions for you. Click "Next" to return to your panel member pages.
Exit the survey
End of if
FLDate := getDateNow()
q150_intro
The next few questions ask about events that may have happened to your household in the last 12 months. For these questions, please think back to events that have occurred since [[]].
Group of questions presented on the same screen
events_intro
In the last 12 months (that is, since [[]]), have you or anyone in your household experienced any of the following events?

Subgroup of questions
qe151 (LIFE EVENT--DIVORCE OR SEPARATION)
Divorce or separation
1 (YES) Yes
2 (NO) No
qd152 (LIFE EVENT--DEATH OF SOMEONE IN THE HOUSEHOLD)
Death of someone in the household
1 (YES) Yes
2 (NO) No
qe153 (LIFE EVENT--BECAME PRIMARY CAREGIVER UNDER AGE OF 18)
Became the primary caregiver of a child under the age of 18 years old
1 (YES) Yes
2 (NO) No
qe154 (LIFE EVENT--BECAME PRIMARY CAREGIVER 18 YEARS OR OLDER)
Became the primary caregiver of someone 18 years old or older
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
events_intro
In the last 12 months (that is, since [[]]), have you or anyone in your household experienced any of the following events?

Subgroup of questions
qd160 (LIFE EVENT--PURCHASED A HOME)
Purchased a home
1 (YES) Yes
2 (NO) No
qd161 (LIFE EVENT--BEGAN PAYING EDUCATIONAL EXPENSES)
Began paying educational expenses for yourself or someone in your household
1 (YES) Yes
2 (NO) No
qd163 (LIFE EVENT--UNEXPECTED MAJOR REPAIR)
Made an unexpected major repair to their house, appliance, or car
1 (YES) Yes
2 (NO) No
qd164 (LIFE EVENT--UNEXPECTED OUT OF POCKET MEDICAL EXPENSE)
Had an unexpected out-of-pocket medical expense
1 (YES) Yes
2 (NO) No
qd165 (LIFE EVENT--HAD FINES, FEES OR COURT EXPENSES)
Had fines, fees, or court expenses related to legal proceedings other than a divorce
1 (YES) Yes
2 (NO) No
qa1 (LIFE EVENT--MOVED TO NEW HOME, APARTMENT, RESIDENCE)
Moved to a new home, apartment, or residence
1 (YES) Yes
2 (NO) No
qf001 (LIFE EVENT--LESS INCOME DUE TO UNEMPLOYMENT, PAY CUT, REDUCED HOURS)
Brought in less income than expected due to unemployment, a pay cut, or reduced hours
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
Group of questions presented on the same screen
events_intro
In the last 12 months (that is, since [[]]), have you or anyone in your household experienced any of the following 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) Yes
2 (NO) No
qf002 (LIFE EVENT--VICTIM OF FRAUD OR IDENTITY THEFT)
Were the victim of fraud or identity theft
1 (YES) Yes
2 (NO) No
qe163 (LIFE EVENT--LOST POWER, WATER OR HEAT)
Lost power, running water, or heat in your home for 6 hours or more
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
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
qf003 (how expenses changed last 12 months)
In the last 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
qf004 (how income changed last 12 months)
In the last 12 months, how much has your household income changed?
1 Income has increased a lot
2 Income has increased a little
3 Income has not changed
4 Income has decreased a little
5 Income has decreased a lot
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
Fill code of question 'FLqd046' executed
Fill code of question 'FLqd046_2' executed
Fill code of question 'FLqe51' executed
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 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
qe052 (Savings in cash not held in an account)
Savings in cash not held in an account
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 or Coverdell))
Educational savings plans (such as 529 or 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 anyone in your household] have any of the following financial assets or accounts?

Subgroup of questions
qe048 (Employer-provided retirement account (such as a 401k, 403(b) or Thrift Savings Plan (TSP)) or a pension)
Employer-provided retirement account (such as a 401k, 403(b), or Thrift Savings Plan (TSP)) or a pension
1 Yes
2 No
3 Don't know
qe049 (Individual retirement account not provided by an employer (such as a traditional IRA or Roth IRA))
Individual retirement account not provided by an employer (such as a traditional IRA or Roth IRA)
1 Yes
2 No
3 Don't know
qe052a (Other investment accounts that allow you to invest in the stock market)
Other investment accounts that allow you to invest in the stock market
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, or insurance policies:
1 Yes
2 No
3 Don't know
End of subgroup of questions
qd053_other (Other assets)
STRING
End of group of questions
if qd046 = 1 then
Fill code of question 'FLqf005' executed
qf005 (how many different institution checking or savings accounts)
At how many different banks, credit unions, or other financial institutions do you[ and the other members of your household] have checking or savings accounts?
1 1 institution
2 2 institutions
3 3 or more institutions
4 Don't know
qe54 (current value checking and savings accounts)
Please estimate the current value of all of your[ household's] checking and savings accounts. Just your best guess will do.
1 $0 - $300
2 $301 - $2,000
3 $2,001 - $8,000
4 $8,001 - $25,000
5 $25,001 or more
6 Don't know
Fill code of question 'FLqf006' executed
qf006 (how many different institution checking or savings accounts)
Do you[ or anyone in your household] use a system to automatically move money to a savings account on a regular basis? (Do not include retirement or investment accounts.)
1 Yes
2 No
3 Don't know
End of if
Fill code of question 'FLqf007' executed
qf007 (argest emergency expense household could handle with only savings)
What is the largest emergency expense that you[ and your household] could handle right now using only your savings?
1 Less than $200
2 $200 - $999
3 $1,000 - $2,499
4 $2,500 - $4,999
5 $5,000 or more
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
Fill code of question 'FLqe59' executed
Fill code of question 'FLqe59_2' executed
Fill code of question 'FLqe59_3' executed
Fill code of question 'FLqe59_4' executed
if qe052 = 1 then
qe59 (current value savings in cash not held in an account)
Please estimate the current value of all of your[ household's] savings in cash not held in an account. Just your best guess will do.
1 $0 - $100
2 $101 - $400
3 $401 - $1,000
4 $1,001 - 4,000
5 4,001 or more
6 Don't know
End of if
if qd054 = 1 then
qe55 (current value bonds or certificates of deposits (CDs))
Please estimate the current value of all of your[ household's] bonds or certificates of deposit (CDs). Just your best guess will do.
1 $0 - $200
2 $201 - $1,500
3 $1,501 - $6,000
4 $6,001 - $25,000
5 $25,001 or more
6 Don't know
End of if
if qe048 = 1 then
qe56 (current value bonds or certificates of deposits (CDs))
Please estimate the current value of all of your[ household's] employer-provided retirement accounts (such as a 401k, 403(b), or Thrift Savings Plan (TSP)). Just your best guess will do.
1 $0 - $2,000
2 $2,001 - $20,000
3 $20,001 - $60,000
4 $60,001 - $200,000
5 $200,001 or more
6 Don't know
End of if
if qe049 = 1 then
qe57 (current value individual retirement account not provided by an employer)
Please estimate the current value of all of your[ household's] individual retirement accounts not provided by an employer (such as a traditional IRA or Roth IRA). Just your best guess will do.
1 $0 - $3,000
2 $3,001 - $20,000
3 $20,001 - $60,000
4 $60,001 - $200,000
5 $200,001 or more
6 Don't know
End of if
if qe052a = 1 then
qe59a (current value other non-retirement investment accounts that allow you to invest in the stock market)
Please estimate the current value of all of your[ household's] other investment accounts that allow you to invest in the stock market (such as traditional or online brokerage accounts). Just your best guess will do.
1 $0 - $1,000
2 $1,001 - $10,000
3 $10,001 - $50,000
4 $50,001 - $200,000
5 $200,001 or more
6 Don't know
End of if
if qd056 = 1 then
qe58 (current value cryptocurrencies or other digital assets)
Please estimate the current value of all of your[ household's] cryptocurrencies or other digital assets. Just your best guess will do.
1 $0 - $1000
2 $1,001 - $10,000
3 $10,001 - $50,000
4 $50,001 - $100,000
5 $100,001 or more
6 Don't know
End of if
if qd055 = 1 then
qe52 (current value educational savings plans)
Please estimate the current value of all of your[ household's] educational savings plans (such as 529 or Coverdell). Just your best guess will do.
1 $0 - $1,000
2 $1,001 - $10,000
3 $10,001 - $50,000
4 $50,001 - $200,000
5 $200,001 or more
6 Don't know
End of if
if qd053 = 1 then
qe60 (current value other financial assets or accounts)
Please estimate the current value of all of your[ household's] other financial assets or accounts. Please do not include real estate or housing, or insurance policies. Just your best guess will do.
1 $0 - $1,000
2 $1,001 - $10,000
3 $10,001 - $50,000
4 $50,001 - $200,000
5 $200,001 or more
6 Don't know
End of if
if qd046 = 1 OR qe052 = 1 OR qd054 = 1 OR qe048 = 1 or qe049 = 1 or qe052a = 1 or qd056 = 1 or qd055 = 1 or qd053 = 1 then
Group of questions presented on the same screen
q062_intro
Please indicate if you have[ or someone in your household has] saved in any of your financial assets or accounts in the last 12 months. If so, did you save regularly (for example, monthly or from each paycheck) or irregularly (adding savings whenever you could), or not at all?

Please remember to include automatic savings, contributions that were taken out of your paycheck by your employer, and automatic transfers to investment accounts.

Subgroup of questions
if qd046 = 1 then
qe061 (Checking or savings save frequency)
Checking account or savings account
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qe052 = 1 then
q067 (Savings in cash not held in account frequency)
Savings in cash not held in an account
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qd054 = 1 then
q066 (Bonds or certificates of deposits (CDs) frequency saving)
Bonds or certificates of deposits (CDs)
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qe048 = 1 then
q063 (Employer-provided retirement account (such as a 401k, 403(b) or Thrift Savings Plan (TSP)) frequency)
Employer-provided retirement account (such as a 401k, 403(b) or Thrift Savings Plan (TSP))
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qe049 = 1 then
q064 (Retirement account (such as a traditional IRA or Roth IRA) frequency)
Individual retirement account not provided by an employer (such as a traditional IRA or Roth IRA)
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qe052a = 1 then
q067a (Other investment accounts allow invest in stock market frequency)
Other investment accounts that allow you to invest in the stock market
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qd056 = 1 then
qe056 (Cryptocurrencies or other digital assets save frequency)
Cryptocurrencies or other digital assets
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qd055 = 1 then
qe055 (Educational savings plans (such as 529 or Coverdell) save frequency)
Educational savings plans (such as 529 or Coverdell)
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
if qd053 = 1 then
q068 (Other save frequency)
Other financial assets or accounts. Please do not include real estate or housing, or insurance policies.
1 Saved regularly
2 Saved whenever possible
3 Did not save
End of if
End of subgroup of questions
End of group of questions
End of if
q077_intro
The next questions ask about you and your household's credit and debts.
qc180 (checked credit score past 12 months)
In the last 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
if sizeof(qf008a_order) = 0 then
qf008a_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6))
End of if
Group of questions presented on the same screen
qf008_intro
In the last 12 months, have you used any of the following services to help improve your credit?

Subgroup of questions
Loop from 1 to 6
if qf008a_order[cnt] = 1 then
qf008a (Secured credit card (a credit card backed by a security deposit))
Secured credit card (a credit card backed by a security deposit)
1 Yes
2 No
3 Don't know
elseif qf008a_order[cnt] = 2 then
qf008b (Credit builder loan)
Credit builder loan
1 Yes
2 No
3 Don't know
elseif qf008a_order[cnt] = 3 then
if qe105a = 1 then
qf008c (Reporting your rent payments to a credit bureau)
Reporting your rent payments to a credit bureau
1 Yes
2 No
3 Don't know
End of if
elseif qf008a_order[cnt] = 4 then
qf008d (Reporting the recurring bill payments in your bank account to a credit bureau)
Reporting the recurring bill payments in your bank account to a credit bureau
1 Yes
2 No
3 Don't know
elseif qf008a_order[cnt] = 5 then
qf008e (Credit repair service)
Credit repair service
1 Yes
2 No
3 Don't know
elseif qf008a_order[cnt] = 6 then
qf008f (Credit counseling service)
Credit counseling service
1 Yes
2 No
3 Don't know
End of if
End of loop
End of subgroup of questions
End of group of questions
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. (Do not include debit cards).
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
if qd076 = 1 or qd077 = 1 then
qf76 (how many active general purpose and store credit cards)
How many active general purpose and store credit cards do you[ and other members of your household] have all together? Only count cards that you still occasionally use.
1 1
2 2
3 3 or more
4 Don't know
End of if
Group of questions presented on the same screen
q078_intro
Do you[ or someone 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 qe048 = 1 OR qe049 = 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
qe094 (have debt--personal loans)
Personal loans
1 Yes
2 No
3 Don't know
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)
1 Yes
2 No
3 Don't know
End of subgroup of questions
End of group of questions
Fill code of question 'FLqe083' executed
if qd083 = 1 then
qe083 (how total outstanding balance on credit cards changed)
You mentioned you have[ or someone in your household has] an outstanding balance on one or more credit cards. Over the last 12 months, how has the total outstanding balance on those cards changed?
1 Increased a lot
2 Increased a little
3 No change
4 Decreased a little
5 Decreased a lot
End of if
if qd078 = 1 then
qe086 (currently owe in auto loans)
How much does your household currently owe in auto loans? Please provide the total amount currently owed across all auto loans.
1 $0 - $5,000
2 $5,001 - $10,000
3 $10,001 - $15,000
4 $15,001 - $30,000
5 $30,001 or more
6 Don't know
End of if
if qd079 = 1 then
qf79 (how many active general purpose and store credit cards)
There are two types of student loans:

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[ and the other members of your household] currently have federal student loans, private student loans, or both?
1 Federal student loans only
2 Private student loans only
3 Both federal and private student loans
4 Don't know
qe087 (currently owe in student loans)
How much does your household currently owe in student loans? Please provide the total amount currently owed across all student loans.
1 $0 - $5000
2 $5,001 - $15,000
3 $15,001 - $30,000
4 $30,001 - $75,000
5 $75,001 or more
6 Don't know
qf210 (how easy or difficult afford student loan payments past year)
How easy or difficult has it been for you[ and the other members of your household] to afford your monthly student loan payments over the past year?
1 Very difficult
2 Somewhat difficult
3 Neither difficult nor easy
4 Somewhat easy
5 Very easy
End of if
if qd080 = 1 then
qe088 (currently owe in small business loans)
How much does your household currently owe in small business loans? Please provide the total amount currently owed across all small business loans.
1 $0 - $2,000
2 $2,001 - $15,000
3 $15,001 - $30,000
4 $30,001 - $120,000
5 $120,000 or more
6 Don't know
End of if
if qd081 = 1 then
qe089 (currently owe on mortgage(s))
How much does your household currently owe on your mortgage(s)? Please provide the total amount currently owed across all mortgages.
1 $0 - $50,000
2 $50,001 - $100,000
3 $100,001 - $150,000
4 $150,001 - $300,000
5 $300,001 or more
6 Don't know
End of if
if qd175 = 1 then
qe177 (currently owe in home equity line(s) of credit)
How much does your household currently owe in home equity line(s) of credit? Please provide the total amount currently owed across all home equity lines of credit.
1 $0 - $3,000
2 $3,001 - $15,000
3 $15,001 - $30,000
4 $30,001 - $60,000
5 $60,000 or more
6 Don't know
End of if
if qd082 = 1 then
qe090 (currently owe in past-due medical bills)
How much does your household currently owe in past-due medical bills? Please provide the total amount currently owed across all past-due medical bills.
1 $0 - $500
2 $501 - $1,000
3 $1,001 - $3,000
4 $3,001 - $7,000
5 $7,000 or more
6 Don't know
End of if
if qd083 = 1 then
qe091 (currently owe in outstanding credit card balances carried over from previous months)
How much does your household currently owe in outstanding credit card balances carried over from previous months? Please provide the total amount currently owed across all outstanding credit card balances carried over from previous months.
1 $0 - $1,000
2 $1,001 - $3,000
3 $3,001 - $6,000
4 $6,001 - $12,000
5 $12,001 or more
6 Don't know
End of if
if qd83 = 1 then
qe93 (currently owe in loans from a retirement plan)
How much does your household currently owe in loans from a retirement plan? Please provide the total amount currently owed across all loans from a retirement plan.
1 $0 - $1,000
2 $1,001 - $4,000
3 $4,001 - $8,000
4 $8,001 - $15,000
5 $15,001 or more
6 Don't know
End of if
if qd084 = 1 then
qe093 (currently owe in other types of debt or loans not listed)
How much does your household currently owe in other types of debt 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 provide the total amount currently owed across all other types of debt.
1 $0 - $1,000
2 $1,001 - $3,000
3 $3,001 - $7,000
4 $7,001 - $15,000
5 $15,001 or more
6 Don't know
End of if
Fill code of question 'FLqf009' executed
qf009 ( made purchase with buy now pay later last 12 months)
In the last 12 months, have you[ or anyone else in your household] made a purchase with a service that allows you to break payments into four equal installments with no interest? These are sometimes called "buy-now-pay-later," BNPL, or "point-of-sale" loans.

Companies offering such a service include Affirm, Afterpay, Sezzle, PayPal Pay in 4, and Klarna. Please do not include plans used to finance purchases in more than four installments.
1 Yes
2 No
3 Don't know
if qf009 = 1 then
qf010 ( how many times purchase with buy now pay later last 12 months)
In the last 12 months, how many times have you[ or anyone else in your household] made a purchase using a buy-now-pay-later service? Please do not include plans used to finance purchases in more than four installments.
1 Once
2 Twice
3 3 - 5 times
4 6 - 10 times
5 11 or more times
6 Don't know
End of if
qf011 (applied for any type of loan or credit last 12 months)
In the last 12 months, have you[ or anyone else in your household] applied for any type of loan or credit? (For example, a personal loan, a new credit card, a mortgage, an auto loan, a student loan, or a credit limit increase.)
1 Yes
2 No
3 Don't know
if qf011 = 1 then
qf012 (turned down for loan or credit last 12 months)
In the last 12 months, were you[ or anyone else in your household] turned down for a loan or not given as much credit as you applied for?
1 Yes
2 No
3 Don't know
End of if
qf013 (turned down for loan or credit last 12 months)
In the last 12 months, did you[ or anyone else in your household] think of applying for credit or a loan but changed your mind because you thought you might be turned down?
1 Yes
2 No
3 Don't know
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 [[]].
Fill code of question 'FLq070' executed
q070_questions := array(1 => "qd070",2 => "q071",3 => "q072",4 => "q073",5 => "q074",6 => "q075",7 => "q076",8 => "qe076")
if sizeof(q070_order) = 0 then
q070_order := shufflearray(array(1 => 1,2 => 2,3 => 3,4 => 4,5 => 5,6 => 6,7 => 7,8 => 8))
End of if
Group of questions presented on the same screen
q070_intro
In the last 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 8
Value of question 'q070_questions[q070_order[cnt]]' asked as question
End of loop
End of subgroup of questions
End of group of questions
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[ and 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 qe105 = 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
End of if
if qe105 != 1 and qe105a = 1 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
if q107 = 1 then
Group of questions presented on the same screen
qf108_intro (experiences homeowners insurance policy)
In the last 12 months, did you experience any of the following related to your homeowner’s insurance policy?

Subgroup of questions
qf108a (Temporary loss of coverage )
Temporary loss of coverage
1 Yes
2 No
3 Don't know
qf108b (Reduction in coverage)
Reduction in coverage
1 Yes
2 No
3 Don't know
qf108c (Increase in the cost of coverage)
Increase in the cost of coverage
1 Yes
2 No
3 Don't know
End of subgroup of questions
End of group of questions
End of if
qe110 (have any natural disaster insurance)
Do you have any natural disaster insurance (such as flood insurance, earthquake insurance, or other types of insurance meant to protect against damages from a natural disaster)?
1 Yes
2 No
3 Don't know
q113_intro
The next set of questions ask 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
qe111 (have a will)
Do you have a will?
1 (YES) Yes
2 (NO) No
qd113 (time period for planning or budgeting)
In planning your household's saving and spending, which of the following time periods is most important?
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))
qd114_order[12] := 12
qd114_order[13] := 13
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? Please 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 home
4 Paying off a mortgage
5 Paying off other debt (credit card, car loan, etc.)
6 Saving for other large purchases (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
End of group of questions
we_intro
The next set of questions will ask you to consider all of your major assets and investments together with your debts.
Fill code of question 'FLqe10' executed
qe010 (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? If you are not sure, your best guess will do.
1 Have money left over
2 About break even
3 Be in debt
4 Don't know
if qe010 = 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? Your best guess will do.
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
11 Don't know
elseif qe010 = 3 then
qd012 (household how much debt after selling all)
You mentioned that you would be in debt - how much debt would you have? Your best guess will do.
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
7 Don't know
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
q019_intro
The next set of questions are about difficulties people sometimes have in meeting their essential household expenses. Please indicate whether or not the statements were true for your household's financial situation in the last 12 months.
qd019 (ever worried whether food would run out before got money to buy more.)
In the last 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
qe020 (ever skipped paying rent or mortgage or paid late because could not afford it)
In the last 12 months, have you ever skipped paying your rent or mortgage or paid late because you could not afford it?
1 Yes
2 No
3 Don't know
qe023 (ever skipped paying a utility bill or paid it late because you did not have enough money)
In the last 12 months, have you ever skipped paying a utility bill or paid it late because you did not have enough money?
1 Yes
2 No
3 Don't know
qd021 (did not get healthcare needed because couldn't afford it)
In the last 12 months, have you or someone in your household ever had to go without 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 last 12 months, have you or someone in your household ever stopped taking a medication or taken less than directed due to the costs?
1 Yes
2 No
3 Don't know
qe024 (ever had to go without dental care because couldnt afford it)
In the last 12 months, have you or someone in your household ever had to go without dental care because you couldn't afford it?
1 Yes
2 No
3 Don't know
in_intro
The next set of questions will ask about your household income and whether you[ or 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
qe031 (Unemployment insurance benefits)
Unemployment insurance benefits
1 Yes
2 No
3 Don't know
qf014 (A program that helps pay for heating or cooling (such as LIHEAP))
A program that helps pay for heating or cooling (such as LIHEAP)
1 Yes
2 No
3 Don't know
qd035 (Other public benefit)
Other government benefits not listed here, please specify:
1 Yes
2 No
3 Don't know
End of subgroup of questions
qd035_other (other public benefit)
STRING
End of group of questions
qf015 (receive Earned Income Tax Credit last 12 months)
In the last 12 months, did you[ or anyone in your household] receive the Earned Income Tax Credit (EITC)?
1 Yes
2 No
3 Don't know
qf016 (receive Child Tax Credit last 12 months)
In the last 12 months, did you[ or anyone in your household] receive the Child Tax Credit (CTC)?
1 Yes
2 No
3 Don't know
if currentage > 61 OR qf022 = 1 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
qe032 (best description income in household)
Which one of the following best describes the income in your household in the last 12 months? Please include retirement income when answering.
1 I have been the only contributor to the income in my household
2 Somebody else has been the only contributor to the income in my household
3 There has been more than one contributor to the income in my household
4 No household income in the last 12 months
5 Don't know
bu_intro
The next few questions ask about business ownership in your household.
Fill code of question 'FLqf009' executed
qf132 (own business)
Do you[ or anyone else in your household] own a business?
1 (YES) Yes
2 (NO) No
if qf132 = 1 then
Fill code of question 'FLqe133' executed
qe133 (percentage household total income comes from own businesses)
What percentage of your household's total income comes from the business(es) that you[ or someone in your household] [own/owns]?
1 Less than 25%
2 Between 26% and 50%
3 Between 51% and 75%
4 More than 75%
5 Don't know
Group of questions presented on the same screen
qf017_intro
In the last 12 months, have you or anyone in your household done any of the following to make a payment for a business you own?

Subgroup of questions
qf017a (Used a personal line of credit (for example, a personal credit card))
Used a personal line of credit (for example, a personal credit card)
1 Yes
2 No
3 Don't know
qf017b (Used money from a personal bank account)
Used money from a personal bank account
1 Yes
2 No
3 Don't know
qf017c (Took out a personal loan)
Took out a personal loan
1 Yes
2 No
3 Don't know
qf017d (Borrowed money from a friend or family member outside my household)
Borrowed money from a friend or family member outside my household
1 Yes
2 No
3 Don't know
End of subgroup of questions
End of group of questions
qf018 (how familiar with benefit plans let employees own part of business)
How familiar are you with benefit plans that let employees own a part of the business, sometimes called Employee Shared Ownership Plans (ESOPs)?
1 Not at all familiar
2 Somewhat familiar
3 Very familiar
if qf018 in [2,3] then
Fill code of question 'FLqf019' executed
qf019 (offer benefit plans let employees own part of business)
Through a business that you own[ or someone in your household owns], do you offer a benefit plan to your employees that lets them own a part of the business, sometimes called an Employee Shared Ownership Plan (ESOP)?
1 Yes
2 No
3 Don't know
End of if
Fill code of question 'FLqf020' executed
qf020 (how easy or difficult to access credit for business(es) owned)
How easy or difficult is it for you to access credit for the business(es) that you[ and others in your household] own?
1 Very easy
2 Somewhat easy
3 Neither easy nor difficult
4 Somewhat difficult
5 Very difficult
End of if
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
qd122 (currently have more than one job)
Do you currently have more than one job?
1 (YES) Yes
2 (NO) No
ownbusiness := 2
employeegig := 2
if qd122 = 2 then
qe121 (best description current job)
Which of the following best describes your current job?
1 I am an employee (I receive a W-2 at tax time)
2 I am an independent contractor, 'gig' worker, freelancer, consultant, work odd jobs or have a side hustle
3 I work for a business that I own
if qe121 != 3 then
if qe121 in [1,2] then
employeegig := 1
End of if
qe123 (job full-time)
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 at my job
2 No, I work fewer than 35 hours a week at my job
elseif qe121 = 3 then
ownbusiness := 1
End of if
qe125a (size of organization)
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
2 1 to 9 employees
3 10 to 24 employees
4 25 to 99 employees
5 100 to 499 employees
6 500 to 999 employees
7 1000 or more employees
8 Don't know
elseif qd122 = 1 then
qe126 (number of jobs)
How many jobs do you currently have?
2 2
3 3
4 4
5 5
6 6 or more
qe127 (best description primary job)
Which of the following best describes your current PRIMARY job? Your primary job is the one where you work the most hours.
1 I am an employee (I receive a W-2 at tax time)
2 I am an independent contractor, 'gig' worker, freelancer, consultant, work odd jobs or have a side hustle
3 I work for a business that I own
if qe127 != 3 then
if qe127 in [1,2] then
employeegig := 1
End of if
qe128 (primary job full-time)
Is your PRIMARY 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 at my job
2 No, I work fewer than 35 hours a week at my job
elseif qe127 = 3 then
ownbusiness := 1
End of if
qe125b (size of organization primary job)
Thinking about the company or organization where you work at your PRIMARY job, 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
2 1 to 9 employees
3 10 to 24 employees
4 25 to 99 employees
5 100 to 499 employees
6 500 to 999 employees
7 1000 or more employees
8 Don't know
Fill code of question 'FLqe129' executed
qe129 (best description secondary job)
Which of the following best describes your current SECONDARY job?[ Your secondary job is the one where you work the next most hours, after your primary job.]
1 I am an employee (I receive a W-2 at tax time)
2 I am an independent contractor, 'gig' worker, freelancer, consultant, work odd jobs or have a side hustle
3 I work for a business that I own
if qe129 != 3 then
if qe129 in [1,2] then
employeegig := 1
End of if
qe130 (secondary job full-time)
Is your SECONDARY 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 at my job
2 No, I work fewer than 35 hours a week at my job
elseif qe129 = 3 then
ownbusiness := 1
End of if
qe125c (size of organization secondary job)
Thinking about the company or organization where you work at your SECONDARY job, 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
2 1 to 9 employees
3 10 to 24 employees
4 25 to 99 employees
5 100 to 499 employees
6 500 to 999 employees
7 1000 or more employees
8 Don't know
End of if
Fill code of question 'FLEmployer' executed
if employeegig = 1 then
if sizeof(qf123_order) = 0 then
qf123_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
qf123_intro
Which of the following benefits do you have access to through [your employer/any of your employers] (even if you do not personally use the benefit)?
Subgroup of questions
Loop from 1 to 7
if qf123_order[cnt] = 1 then
qf123a (Paid sick leave or vacation/personal leave)
Paid sick leave or vacation/personal leave
1 Yes
2 No
3 Don't know
elseif qf123_order[cnt] = 2 then
qf123b (Paid maternity or paternity leave)
Paid maternity or paternity leave
1 Yes
2 No
3 Don't know
elseif qf123_order[cnt] = 3 then
qf123c (Health insurance)
Health insurance
1 Yes
2 No
3 Don't know
elseif qf123_order[cnt] = 4 then
qf123d (Disability insurance)
Disability insurance
1 Yes
2 No
3 Don't know
elseif qf123_order[cnt] = 5 then
qf123e (Life insurance)
Life insurance
1 Yes
2 No
3 Don't know
elseif qf123_order[cnt] = 6 then
qf123f (Retirement plan (such as a 401k, 403(b), or Thrift Savings Plan (TSP)))
Retirement plan (such as a 401k, 403(b), or Thrift Savings Plan (TSP))
1 Yes
2 No
3 Don't know
elseif qf123_order[cnt] = 7 then
qf123g (Pension or cash balance plan)
Pension or cash balance plan
1 Yes
2 No
3 Don't know
End of if
End of loop
End of subgroup of questions
End of group of questions
qe134 (have access to benefit plan lets employees own part of business)
Through [your employer/any of your employers], do you have access to a type of benefit plan that lets employees own a part of the business, sometimes called an Employee Shared Ownership Plan (ESOP)?
1 Yes
2 No
3 Don't know
qe135 (member of worker cooperative)
Through [your employer/any of your employers], are you a member of a worker cooperative, meaning that you own a portion of the company you work for and could participate in decision making about the company?
1 Yes
2 No
3 Don't know
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
End of if
End of if
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
qe190 (how doing financially compared to a year ago)
Would you say that in comparison to a year ago, your household is financially...?
1 A lot better off now
2 Slightly better off now
3 About the same now
4 Slightly worse off now
5 A lot worse off now
6 Don't know
qf133 (how doing financially over the next year)
Think about all the possible ways changes in the economy might impact your financial situation. This might include changes in international trade policy, unemployment, inflation, interest rates, or the stock market. How do you think these changes will affect your household’s financial situation over the next year?

As a result of these changes, my household will be financially...?
1 A lot better off now
2 Slightly better off now
3 About the same now
4 Slightly worse off now
5 A lot worse off now
6 Don't know
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
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
qf134 (expected inflation rate)
The current inflation rate is 2.4%. It means that, on average, prices are 2.4% higher than they were one year ago. Over the next 12 months, what do you expect the inflation rate to be? Please enter a negative number if you think prices will decrease over the next 12 months.

Over the next 12 months, I expect the inflation rate to be:
RANGE -100..500
di_intro
In this next section, we will ask questions about your experience with natural disasters.
qf021 ( experience natural disaster or severe weather event past 12 months)
In the past 12 months, did your household experience a natural disaster or severe weather event (for example, a wildfire, hurricane, flood, extreme temperatures, or other natural event)?
1 Yes
2 No
3 Don't know
qe301 (how likely natural disaster impact in next 12 months)
Thinking about the area you live in, how likely would it be for a natural disaster to impact you in the next 12 months?
1 Very likely
2 Likely
3 Unlikely
4 Don't know
exd_intro
In this next section, we will ask questions about your personal financial experiences.
qf220 (how much personally trust financial institutions)
In general, how much do you personally trust financial institutions such as banks or credit unions?
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
if sizeof(qf221_order) = 0 then
qf221_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4))
End of if
Group of questions presented on the same screen
qf221_intro
To what extent do you agree or disagree with each of the following statements about financial institutions, like banks and credit unions? Think about banks and credit unions in general, not just the ones you use.

Subgroup of questions
Loop from 1 to 4
if qf221_order[cnt] = 1 then
qf221a (Financial institutions can keep my deposits safe)
Financial institutions can keep my deposits safe
1 Disagree completely
2 Disagree somewhat
3 Neither agree nor disagree
4 Agree somewhat
5 Agree completely
elseif qf221_order[cnt] = 2 then
qf221b (Financial institutions give good financial advice)
Financial institutions give good financial advice
1 Disagree completely
2 Disagree somewhat
3 Neither agree nor disagree
4 Agree somewhat
5 Agree completely
elseif qf221_order[cnt] = 3 then
qf221c (Financial institutions are honest and transparent about costs and fees)
Financial institutions are honest and transparent about costs and fees
1 Disagree completely
2 Disagree somewhat
3 Neither agree nor disagree
4 Agree somewhat
5 Agree completely
elseif qf221_order[cnt] = 4 then
qf221d (Financial institutions want to help me improve my finances)
Financial institutions want to help me improve my finances
1 Disagree completely
2 Disagree somewhat
3 Neither agree nor disagree
4 Agree somewhat
5 Agree completely
End of if
End of loop
End of subgroup of questions
End of group of questions
qf222 ( received financial assistance from relative friend not in household past 12 months)
In the past 12 months, have you[ or anyone in your household] received any financial assistance from a relative or friend who does not live in your household?
1 Yes
2 No
3 Don't know
qf223 ( given financial assistance to relative friend not in household past 12 months)
In the past 12 months, have you[ or anyone in your household] given any financial assistance to a relative or friend who does not live in your household?
1 Yes
2 No
3 Don't know
qf224 ( donated money to charities, nonprofit organizations, foundations, religious organizations past 12 months)
In the past 12 months, have you[ or anyone in your household] donated money to any charities, nonprofit organizations, or foundations, or religious organizations?
1 Yes
2 No
3 Don't know
if qf224 = 1 then
Fill code of question 'FLqf225' executed
qf225 (how much donated money to charities, nonprofit organizations, foundations, religious organizations past 12 months)
About how much money did you[ and all members of your household] donate to charities, nonprofit organizations, foundations, or religious organizations in the past 12 months?
1 < $100
2 $100 - $999
3 $1,000 - $4,999
4 $5,000 or more
End of if
info_intro
The next questions ask about where you get information about personal finances.
if sizeof(qf401_order) = 0 then
qf401_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6, 7 => 7))
qf401_order[8] := 8
qf401_order[9] := 9
End of if
Group of questions presented on the same screen
qf401 (sources used get information about personal finances)
Which of the following have you used in the last 12 months to get advice about personal finances? Please select all that apply. (Options in parentheses are examples)
1 Social media (Reddit, YouTube, TikTok)
2 General chatbots (ChatGPT, Gemini)
3 Financial professionals (advisor, planner)
4 Personal finance websites or apps not affiliated with a bank (Credit Karma, Nerd Wallet)
5 An employee at my bank or other financial institution
6 A chatbot or virtual assistant at my bank or financial institution (Bank of America’s Erica, Capital One’s Eno)
7 Friends or family
8 Other (please specify):
9 None of these
qf401_other (other sources used get information about personal finances)
STRING
End of group of questions
if sizeof(qf404_order) = 0 then
qf404_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
qf404_intro
Whether you use them or not, how much do you trust or distrust the following sources for advice on personal finances?

Subgroup of questions
Loop from 1 to 3
if qf404_order[cnt] = 1 then
qf404a (Social media (Reddit, YouTube, TikTok))
Social media (Reddit, YouTube, TikTok)
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
elseif qf404_order[cnt] = 2 then
qf404b (General chatbots (ChatGPT, Gemini))
General chatbots (ChatGPT, Gemini)
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
elseif qf404_order[cnt] = 3 then
qf404c (Financial professionals (advisor, planner))
Financial professionals (advisor, planner)
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
elseif qf404_order[cnt] = 4 then
qf404d (Personal finance websites or apps not affiliated with a bank (Credit Karma, Nerd Wallet))
Personal finance websites or apps not affiliated with a bank (Credit Karma, Nerd Wallet)
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
elseif qf404_order[cnt] = 5 then
qf404e (An employee at my bank or other financial institution)
Un empleado de mi banco u otra institución financiera
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
elseif qf404_order[cnt] = 6 then
qf404f (A chatbot or virtual assistant at my bank or financial institution (Bank of America's Erica, Capital One's Eno))
A chatbot or virtual assistant at my bank or financial institution (Bank of America's Erica, Capital One's Eno)
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
elseif qf404_order[cnt] = 7 then
qf404g (Friends or family)
Friends or family
1 Trust completely
2 Trust somewhat
3 Neither trust nor distrust
4 Distrust somewhat
5 Distrust completely
End of if
End of loop
End of subgroup of questions
End of group of questions
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.
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 Latine
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
uas613_qb10 := getUAS613Preload("qb10")
uas613_qb10_other := getUAS613Preload("qb10_other")
if uas613_qb10 = response then
qb10 := uas613_qb10
qb10_other := uas613_qb10_other
Else
End of if
uas581_qb11 := getUAS581Preload("qb11")
uas615_qb11 := getUAS615Preload("qb11")
if uas615_qb11 = response then
qb11 := uas615_qb11
elseif uas581_qb11 = response then
qb11 := uas581_qb11
Else
End of if
uas581_qb09 := getUAS581Preload("qb09")
uas581_qb09_other := getUAS581Preload("qb09_other")
uas615_qb09 := getUAS615Preload("qb09")
uas615_qb09_other := getUAS615Preload("qb09_other")
if uas615_qb09 = response then
qb09 := uas615_qb09
qb09_other := uas615_qb09_other
elseif uas581_qb09 = response then
qb09 := uas581_qb09
qb09_other := uas581_qb09_other
Else
End of if
qe501 (anyone in household U.S. veteran)
Are you[ or anyone in your household] a U.S. veteran?
1 (YES) Yes
2 (NO) No
qe502 (anyone in household active duty member of the armed services or a member of the national guard or reserves)
Are you[ or anyone in your household] currently an active duty member of the armed services or a member of the national guard or reserves?
1 (YES) Yes
2 (NO) No
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.
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 include 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