Appendix B: Survey of Household Economics and Decisionmaking
Below is a reproduction of the survey instrument in its entirety. The bracketed text are programming instructions that indicate whether the respondent can select only a single response [S] or multiple responses [M]. Not all questions are shown to all respondents, and the skip patterns used to reach each question are listed as the "Base" above each question. The respondents only see the questions and response options; they do not see the program code. Question numbers are not always sequential in order to preserve continuity with question numbers from earlier surveys where possible. Questions are listed below in the order in which they are presented to respondents.
Introduction
[DISPLAY01]
OMB Control Number: 7100-0359
Expiration Date: 04/30/2017
Additional information is available here on the OMB public reporting requirements.
The Federal Reserve Board is interested in learning more about the financial wellbeing and economic perceptions of the American people. The data collected in this survey will be used for research, analysis, and policymaking on consumer finances and household financial stability. A dataset containing anonymized responses may also be released publicly on the Federal Reserve Board's website. We appreciate your participation in this survey. In appreciation for your completing this survey, you will be provided with the equivalent of [(if xsflag=2 and xIflag=2) INSERT: $10 / if (xsflag=1 or 3) or (xsflag=2 and xIflag=1) insert: $5 through the GfK rewards system.
[If "Here" clicked above, display this text in a new tab or window]
The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to, a collection of information unless it displays a currently valid OMB control number. Public reporting burden for this information collection is estimated to average 0.4 hours, including the time to gather data in the required form and to review instructions and complete the information collection. Send comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden to: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0359), Washington, DC 20503.
Living Arrangements Section
Base: All respondents
[SHOW DISPLAY1 AND L0 ON THE SAME PAGE]
[DISPLAY1]
First, tell us a little about yourself.
Base: All respondents
[GRID, S ACROSS]
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
L0. Do each of the following types of people currently live with you in your household?
DOWN:
a. My spouse or partner
b. My child or children who are under age 18
c. My adult child or children who are age 18 or older
d. My parents
e. My extended family such as brothers, sisters or cousins
f. Roommate(s) who are not related to me
g. Other individuals (please specify) [TEXTBOX]
ACROSS:
1=Yes
0=No
Base: L0_c = 1
[SP]
L0A. Which of the following best describes the adult children (who are age 18 or older) who live with you?
1. All of the adult children living with me are currently enrolled in school
2. One or more of the adult children who lives with me is not currently enrolled in school
Base: (L0=d, e, f, or g) or (L0=c and L0A=2)
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
L1. You indicated that you live with [IF L0_e=1, INSERT: your parents,] [IF L0_e=1, INSERT: extended family members,] [IF L0_F=1, INSERT: a roommate,] [IF L0A=2, INSERT: adult children who are not in school,] [IF L0 CHECKED d, e, or f or L0A=2, INSERT:or] someone outside of your immediate family.
Are each of the following reasons why you live with these individuals?
DOWN:
a. To save money
b. To provide financial assistance to those living with me
c. To care for sick, disabled, or elderly family member or friend
d. To receive assistance with child care
e. Companionship/prefer living with others
f. Other (Please specify): [TXT]________________________________
ACROSS:
1. Yes
0. No
Base: (L0=d, e, f, or g) or (L0=c and L0A=2)
L2. Could you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] afford to live on your own in your current neighborhood if you had to?
4. Definitely Yes
3. Probably Yes
2. Probably No
1. Definitely No
Base: L2 = 1 or 2
L3. Would you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] prefer to live on your own if you could afford to?
1. Yes
0. No
General Well-Being Section
Base: All respondents
[S]
B2. Overall, which one of the following best describes how well you are managing financially these days:
4. Living comfortably
3. Doing okay
2. Just getting by
1. Finding it difficult to get by
Base: All respondents
[S]
B3. Compared to 12 months ago, would you say that you (and your family living with you) are better off, the same, or worse off financially?
5. Much better off
4. Somewhat better off
3. About the same
2. Somewhat worse off
1. Much worse off
Base: All respondents
[S]
B6. Think of your parents when they were your age. Would you say you (and your family living with you) are better, the same, or worse off financially than they were?
5. Much better off
4. Somewhat better off
3. About the same
2. Somewhat worse off
1. Much worse off
Base: All respondents
[S]
B6A. Thinking about your family when you were growing up (under age 17), would you say your family during that time was generally pretty well off financially, about average, poor, or did it vary?
4. Pretty well off financially
3. About average
2. Poor
1. It varied
Employment Section
Base: All respondents
[SHOW DISPLAY2 AND D1 ON THE SAME PAGE]
[DISPLAY2]
This section will ask some questions about your recent employment.
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D1. Do each of the following describe your employment situation in the past month?
DOWN:
a. Employed for someone else
b. Self-employed
c. Temporarily laid off
d. Not employed, but looking for a job
e. Not employed, and not looking for a job
f. Homemaker
g. Student
h. Disabled and not working
i. Retired
ACROSS:
1. Yes
0. No
Base: All respondents
[IF NO OPTIONS SELECTED IN D1, SHOW ALL ANSWER CHOICES]
[IF ONE OPTION SELECTED IN D1, DO NO PRESENT QUESTIONS AND AUTO-PUNCH SELECTED]
[IF MULTIPLE OPTIONS SELECTED IN D1, ONLY SHOW OPTIONS SELECTED]
[S]
D2. In the past month, which one of the following do you consider to best describe your employment situation?
1. Employed for someone else
2. Self-employed
3. Temporarily laid off
4. Not employed, but looking for a job
5. Not employed, and not looking for a job
6. Homemaker
7. Student
8. Disabled and not working
9. Retired
Base: D1_a=1 or D1_b=1
[S]
D3. Think about the main job that you had in the past month. In this job, did you:
1. Work full-time for someone else [display if D1_a=1]
2. Work part-time for someone else [display if D1_a=1]
3. Work for yourself (self-employed) or as a sole-proprietor [display if D1_b=1]
4. Work as a partner in a partnership (e.g. partner in law firm, medical practice) [DISPLAY IF D1_b=1]
5. Work as a consultant/contractor [DISPLAY IF D1_a=1 or D1_b=1]
Base: D3 = 1, 2, or 5
[S]
D3A. Still thinking about your main job, do you normally start and end work around the same time each day that you work or does it vary from week-to-week?
1. Normally work the same hours
2. Schedule varies, primarily at my request
3. Schedule varies, primarily based on my employer's needs
Base: D3A=3
[S]
D3B. Approximately how far in advance does your employer usually tell you the hours that you will need to work on any given day?
1. One day in advance or less (including on call)
2. 2 to 3 days in advance
3. 4 to 6 days in advance
4. 1 to 2 weeks in advance
5. 2 to 4 weeks in advance
6. More than a month in advance
Base: D3 = 1, 2, or 5
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes, no, or don't know to each option ]
[GRID, S ACROSS]
D3C. Still thinking about your main job, does your employer offer you each of the following benefits (even if you do not personally use the benefit)?
DOWN:
a. Paid sick leave
b. Paid vacation/personal leave
c. Maternity or paternity leave
d. Health insurance
e. Disability insurance
f. Life insurance
g. Retirement benefits
h. Ability to work from home
ACROSS:
1. Yes
0. No
9. Don't know
Base: D3 = 1, 2, or 5
[S]
D3D. Still thinking about your main job, how does your employer normally pay you for your work?
1. Direct-deposit into your bank account or credit union account
2. Paper check
3. Deposit onto a reloadable prepaid card
4. Cash
5. Other (Please specify): [TEXTBOX] ________________
Base: D1_a=1 or D1_b=1
[GRID, S ACROSS]
D4. In addition to your main job, in the past month did you have any other paid jobs?
DOWN:
a. I had another full-time job
b. I had another part-time job
ACROSS:
1=Yes
0=No
Base: D1=a, b, c, d, e, f, g, or h
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D6. In the past 12 months, have you done each of the following:
DOWN:
a. Asked for a raise or a promotion at work [display if D1_a=1]
b. Received a raise or a promotion at work [ display if D1_a=1]
c. Applied for a new job
d. Started a new job
e. Voluntarily left a job
f. Gotten laid off or fired from a job
ACROSS:
1=Yes
0=No
Base: D6_b=1
[S]
D7. Thinking about the raise you received in the past 12 months, how did this raise compare to changes in your living expenses over that period?
1. It failed to keep up with changing living expenses
2. It was in line with changes in living expenses
3. It exceeded changes in living expenses
Base: D1=a, b, c, d, e, f, g, or h
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D8. How much do each of the following impact your ability to work for pay or work as much as you would like?
DOWN:
a. Child-care responsibilities
b. Caretaking responsibilities for someone other than a child (such as a parent)
c. Health problems of my own
d. Difficulty arranging transportation to or from work
e. (DISPLAY IF D1_a=1)Employer's restrictions for how many hours I work
f. (DISPLAY IF D1_a=1)Employer sets or schedules the times or shifts that I work
ACROSS:
0. No impact
1. Minor impact
2. Moderate impact
3. Severe impact
Base: PPMARIT = 1 or 6
[S]
D5. Which oneof the following best describes your [IF PPMARIT=1, INSERT: spouse's / IF PPMARIT=6, INSERT: partner's] current employment status?
1. Employed full-time
2. Employed part-time
3. Temporarily laid off
4. Not employed, but looking for a job
5. Not employed and not looking for a job
6. Homemaker
7. Student
8. Disabled and not working
9. Retired
Base: All respondents
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D9A. We are also interested in other activities that you may have done recently to earn money.
In the past month, have you been paid for each of the following occasional work activities or side jobs?
Please do not include activities that you only do as part of your main job
DOWN:
a. Babysitting, child care services, dog walking, and/or house sitting
b. Disabled adult and/or elder care services
c. House cleaning, house painting, yard work, landscaping, and/or other property maintenance work
d. Providing personal services to individuals, such as picking up their dry cleaning, helping people move, running errands, booking travel, etc.
ACROSS:
1=Yes
0=No
Base: All respondents
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D9B. In the past month, have you been paid for each of the following occasional work activities or side jobs?
Please do not include activities that you only do as part of your main job
DOWN:
a. Completing online tasks through websites, such as Amazon Services, Mechanical Turk, Fiverr, Task Rabbit, or YouTube. Such tasks might include editing documents, reviewing resumes, writing songs, creating graphic designs, rating pictures, posting videos, blog posts, etc.
b. Renting out property, such as your car, your place of residence, or other items you own, through websites, newspaper ads, flyers, etc.
c. Selling new/used goods, handcrafts, etc., on-line through eBay , Craigslist, or other websites
d. Other online paid activities (do notinclude taking GfK Surveys). Please Specify: [TEXTBOX]
ACROSS:
1=Yes
0=No
Base: All respondents
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D9C. In the past month, have you been paid for each of the following occasional work activities or side jobs?
Please do not include activities that you only do as part of your main job
DOWN:
a. Selling goods (such as food, handcrafts, etc.) or services at flea markets, swap meets, garage sales, mobile vans/trucks, stalls/kiosks or other temporary physical outlets/locations
b. Selling used goods (such as clothes, wedding dresses, handcrafts, etc.) at consignment shops or thrift stores
c. Any other paid activities that you have not yet mentioned (do not include taking GfK Surveys). Please specify: [TEXTBOX]
ACROSS:
1=Yes
0=No
Base: Any response in (D9A, D9B, or D9C = yes)
[M]
D10. In the past month, what are the reasons why you have engaged in occasional paid work activities or side jobs? Check all that apply
a. To earn money as a primary source of income
b. To earn extra money on top of pay from a current job, retirement, pension, disability, or other regular source of income
c. To earn extra money to help family members
d. To maintain existing job-related skills
e. To acquire new job-related skills
f. To network/meet people
g. Just for fun (as a hobby)
h. Other (please specify): [TEXT]
Base: At least one answer selected to D10
[IF RESPONDENT SELECTED MORE THAN 1 ANSWER IN D10, INSERT ANSWER OPTIONS SELECT IN D10 AS ANSWER OPTIONS FOR D11]
[IF RESPONDENT ONLY SELECTED ONE ANSWER OPTION IN D10, AUTO PUNCH THAT AS THE ANSWER FOR D11 AND DO NOT ASK D11]
[S]
D11. In the past month, what is the main reason why you have engaged in occasional paid work activities or side jobs?
1. To earn money as a primary source of income
2. To earn extra money on top of pay from a current job, retirement, pension, disability, or other regular source of income
3. To earn extra money to help family members
4. To maintain existing job-related skills
5. To acquire new job-related skills
6. To network/meet people
7. Just for fun (as a hobby)
8. [ IF TEXT ENTERED IN D10 THEN INSERT THAT AS THE ANSWER OPTION / IF D10_H=1 BUT NO TEXT INSERTED, THEN INSERT: Other ]
Base: Any response in (D9A, D9B, or D9C = yes)
[Q]
D12. Excluding GfK surveys, considering all occasional paid work activities or side jobs in which you participated in last month (those that are not part of your main paid job(s)):
a. How much time do you usually spend per month on occasional paid work activities or side jobs, other than your primary job?
_______________ hours per month [range: 0-720]
b. About how much of your monthly income do you [ IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner] usually get from occasional paid work activities or side jobs? For example, 10% of your income, or 60% of your income.
_________ % of overall income [range: 0-100]
Base: Any response in (D9A, D9B, or D9C = yes)
[S]
D13. Six months from now, do you expect to devote more, the same, or less time to occasional paid work activities or side jobs other than your main job compared to today?
1. More
2. Less
3. About the same
Base: Any response in (D9A, D9B, or D9C = yes)
[S]
D14. To what extent have occasional paid work activities or side jobs helped you to offset any negative effects of unemployment, loss of working hours, loss of benefits, or frozen wages in a formal job in the last year?
1. Very much
2. Somewhat
3. Not at all
4. Does not apply
Base: Any response in (D9A, D9B, or D9C = yes)
[S]
D15. In the past 12 months, to what extent has the money earned from occasional paid work activities or side jobs been a significant source of income for you [ IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner]?
1. Very much
2. Somewhat
3. Not at all
4. Does not apply
Base: Any response in (D9A, D9B, or D9C = yes)
[S]
D16. In the past 12 months, to what extent has the money earned from occasional paid work activities or side jobs been a regular/consistent source of income for you [ IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner]?
1. Very much
2. Somewhat
3. Not at all
4. Does not apply
Base: All respondents
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D17. In the past month, did you do each of the following types of unpaidwork for someone else?
DOWN:
a. Apprenticeship or internship
b. Volunteer work
c. Bartering (Work done in exchange for an item or service of similar value)
d. Other (Please Specify): [Text Box]
ACROSS:
1=Yes
0=No
Base: D17_a=1 or D17_b=1 or D17_d=1
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
D17B. Which of the following are reasons that you did unpaid work for someone else in the past month?
DOWN:
a. To improve the local community
b. To help others or give back to society
c. To maintain existing job-related skills
d. To acquire new job-related skills
e. To network/meet people
f. Just for fun (as a hobby)
g. Other (please specify): [Textbox]
ACROSS:
1. Yes
0. No
General Housing Section
Base: All respondents
[SHOW DISPLAY3 AND GH1 ON THE SAME PAGE]
[DISPLAY3]
This section will ask some questions about your housing situation.
[S]
GH1. Which one of the following best describes your housing arrangement where you currently live?
1. I [IF PPMARIT=1, INSERT: (and/or my spouse) / IF PPMARIT=6, INSERT: (and/or my partner)] own [IF PPMARIT=1 OR 6, INSERT: our, ELSE INSERT: my] home with a mortgage or loan.
2. I [IF PPMARIT=1, INSERT: (and/or my spouse) / IF PPMARIT=6, INSERT: (and/or my partner)] own [IF PPMARIT=1 OR 6, INSERT: our, ELSE INSERT: my] home free and clear (without a mortgage or loan).
3. I [IF PPMARIT=1, INSERT: (and/or my spouse) / IF PPMARIT=6, INSERT: (and/or my partner)] pay rent.
4. I [IF PPMARIT=1, INSERT: (and/or my spouse) / IF PPMARIT=6, INSERT: (and/or my partner)] don't own [IF PPMARIT=1 OR 6, INSERT: our, ELSE INSERT: my] home or pay rent.
Base: All respondents
[NUMBER BOX, RANGE 1900 TO 2016]
GH2. In what year did you [IF GH1=1 OR 2, INSERT: buy / IF GH1=3, INSERT:start renting / IF GH1=4, OR REFUSED, INSERT: move into] your current home?
[NUM BOX 1900-2015]
Rent Section
Base: GH1 = 3
[M]
[RANDOMIZE a-f]
R1. Please select all the reasons below for why you rent your home rather than own your home.
a. It's cheaper to rent than own a home
b. Owning a home is a bigger financial risk
c. It's more convenient to rent (for example you can move easily)
d. I plan on moving in the near future
e. I can't qualify for a mortgage to buy a home
f. I can't afford the down payment to buy a home
g. I simply prefer to rent
h. I'm currently looking to buy a home
i. Other (Please specify): [TXT]________________________________
Base: (GH1 = 3 or GH1 = 4) AND (GH2 >= 2015)
[S]
R4. Did you own your previous home that you moved from in [INSERT GH2 RESPONSE IN NORMAL FONT]?
0. No
1. Yes, and I still own that home
2. Yes, and I sold that home
Base: (GH2>=2015) AND (R4=0 or refused)
[M]
R5A. An eviction is when your landlord forces you to move when you don't want to. Were you, or a person you were staying with, evicted from the home you moved from in [INSERT GH2 RESPONSE IN NORMAL FONT]?
1. Yes
0. No
Base: (GH2>=2015) AND (R4=0 or refused) AND (R5A=0 or refused)
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
R5B. Did each of the following contribute to your moving from your previous home in [ INSERT GH2 RESPONSE]?
DOWN:
a. Received an eviction notice
b. Your landlord told you, or a person you were staying with, to leave
c. You, or a person you were staying with, missed a rent payment and thought that if you didn't move you would be evicted
d. The city condemned the property and forced you to leave
ACROSS:
1. Yes
0. No
Base: (GH2>=2015) AND (R4=1 or 2)
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
R5C. Did each of the following contribute to your moving from your previous home in [INSERT GH2 RESPONSE]?
DOWN:
a. Bank took possession of your home in foreclosure
b. Received a notice from the bank that they planned to foreclose
c. Missed mortgage payments and thought that if you didn't move, the bank would foreclose on your home
d. The city condemned the property and forced you to leave
ACROSS:
1. Yes
0. No
Base: (GH2>=2015) AND [(No or refused to all in R5B) OR (No or refused to all in R5C)]
[M]
R5D. Please select all of the reasons that you moved to your current home in [INSERT GH2 RESPONSE IN NORMAL FONT]?
a. Rent increased at previous home or apartment [DISPLAY IF R4=0 OR REFUSED]
b. Landlord would not fix things at previous home or apartment [DISPLAY IF R4=0 OR REFUSED]
c. To save money
d. Better quality or larger home
e. Closer to work or school
f. Better quality neighborhood or schools
g. Relocated to a new city
h. Change in family status (e.g. marriage, divorce, children)
i. Other (Please Specify): [TEXTBOX]
Base: (GH1 = 3) and (GH2>=2015)
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes, no, or don't know to each option ]
[GRID, S ACROSS]
R6. When you rented your current home, were each of the following part of the rental application process?
DOWN:
a. Documentation of employment or income
b. Payment of a security deposit
c. Payment of an application fee
d. Request for references
e. Request to run a credit check
f. Request to run a criminal background check
ACROSS:
1. Yes
0. No
9. Don't know
Base: (GH1 = 3)
[S]
R7. In the past 12 months, have you experienced any problems with your house or apartment that you felt needed to be fixed, such as a leak or a broken appliance?
1. Yes
0. No
Base: (GH1 = 3) and (R7=1)
[S]
R8. Did you contact your landlord about the problem with your house or apartment that that needed to be fixed?
1. Yes
0. No
Base: (GH1 = 3) and (R8=1)
[S]
R8A. After you contacted your landlord about the problem with your house or apartment, how much difficulty did you have getting them to fix the probem?
3. Substantial difficulty
2. Moderate difficulty
1. A little difficulty
0. None
Base: (GH1 = 3) and (R8=0)
[S]
R8B. What is the main reason that you did not contact your landlord about the problem with your house or apartment that needed to be fixed?
1. Expected that they would not be willing to fix
2. The problem didn't bother me that much
3. It was easier for me to fix without their assistance
4. I did not want to cause trouble with the landlord
5. Other (Please specify): [TXT]________________________________
Base: (GH1 = 3 or 4)
[S]
R9. Do you [IF PPMARIT=1, INSERT: (and/or your spouse) / IF PPMARIT=6, INSERT: (and/or your partner)] expect to purchase a home in the next 5 years?
4. Definitely Yes
3. Probably Yes
2. Probably No
1. Definitely No
8. Don't know
Base: (GH1 = 3 or 4) and (R9 = 3 or 4)
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
R10. Are each of the following reasons that you expect to buy a home in the next 5 years?
ACROSS:
a. Will have saved enough for a down-payment
b. Will be more certain about job
c. Will be more certain about location or where to live
d. Will have a higher income
e. Change in family circumstances (e.g. marriage, divorce, children)
f. Other (Please specify): [TXT]________________________________
DOWN:
1. Yes
0. No
Base: GH1 = 3
[NUMBER BOX WITH S]
[ALLOW RESPONDENT TO EITHER TYPE ANSWER IN NUMBER BOX OR CHECK DON'T KNOW, PROMPT WITH THE FOLLOWING IF BOTH: Please enter an answer in the number box OR check ‘Don't know'. ]
R3. About how much do you [IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner] pay for rent each month?
$ __________ [Num box 0-99999]
888888. Don't know [S]
Own Section
Base: (GH1 = 1 OR 2)
[M]
[RANDOMIZE a-f]
H0. Please select all the reasons below for why you own your home rather than rent.
a. It's cheaper to own than rent a home
b. Owning a home is a good financial investment
c. Certainty about monthly payments
d. Building equity with payments
e. Don't like to move
f. Less rules / able to customize house
g. Simply prefer to own
h. Other (Please specify): [TXT]________________________________
Base: (GH1 = 1 OR 2)
[S]
H6. Prior to purchasing your current home did you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] ever own another house?
1. Yes
0. No
Base: (GH1 = 1 OR 2) and (GH2>=2015)
[M]
H7. In addition to your mortgage, please select all the sources below that you used to fund the home purchase when you bought your current home:
a. Proceeds from sale of previous home
b. Personal savings
c. Loan or gift from family/friends
d. Second mortgage
e. Financial assistance from a government program or nonprofit organization
f. None [S]
g. Other (Please Specify): [ TEXTBOX]
Mortgage Section
Base: GH1 = 1
[S]
M2. In the past 12 months, have you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner] missed two or more payments on your mortgage?
1. Yes
0. No
Base: GH1 = 1
[NUMBER BOX WITH S]
[ALLOW RESPONDENT TO EITHER TYPE ANSWER IN NUMBER BOX OR CHECK DON'T KNOW, PROMPT WITH THE FOLLOWING IF BOTH: Please enter an answer in the number box OR check ‘Don't know'. ]
M4. About how much is your total monthly mortgage payment (i.e. the amount you send to the bank)?
$ ______ [NUM BOX $0-99999]
888888. Don't know [S]
Banking Section
Base: All respondents
[SHOW DISPLAY4 AND BK1 ON THE SAME PAGE]
[DISPLAY4]
This section will ask some questions about your experiences with banks and credit.
[S]
BK1. Do you [ IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner] currently have a checking, savings or money market account?
1. Yes
0. No
Base: All respondents
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
BK2. In the past 12 months, have you [ IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner]:
DOWN:
a. used a money order
b. used a check-cashing service
c. used a tax refund anticipation loan
d. used a pawn shop loan, a payday loan, an auto title loan, or a paycheck advance/deposit advance
e. sent money to a relative or friend (not a business) living outside of the U.S. using a service other than a bank (e.g. WesternUnion, USPS SureMoney, etc.)
ACROSS:
1. Yes
0. No
Base: all respondents
[S]
BK5. Suppose that you were making a $10 purchase at a local store. How would you most commonly expect to pay for this purchase?
a. Cash
b. Check
c. Credit card
d. Debit card
e. Prepaid card
f. Money order
g. Mobile app
h. Other [TEXTBOX]: _______________
Credit Application Section
Base: all respondents
[S]
A6. If you were to apply for a credit card today, how confident are you that your application would be approved?
3. Not confident
2. Somewhat confident
1. Very confident
8. Don't know
Base: all respondents
[S]
A0. In the last 12 months, have you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner] applied for any credit (such as a credit card, higher credit card limit, mortgage, refinance, student loan, personal loan, or other loan)?
1. Yes
0. No
Base: A0=1
[M]
A0A. Please select all of the types of credit below that you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] have applied for in the past 12 months.
a. Mortgage to buy a new home
b. Refinance of a home mortgage
c. Home-equity loan or line of credit
d. Credit card
e. Car/auto loan
f. Student loan
g. Personal general-purpose loan from a bank
h. Personal loan from friends or family
i. Other (Please Specify): [TEXTBOX]
Base: A0=0
[S]
A0B. Was there a time in the past 12 months that you [ IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] desired credit but chose not to submit a credit application?
1. Yes
0. No
Base: A0=1 OR -1 (Refused)
[GRID, S ACROSS]
A1. In the past 12 months, please tell us if each of the following has or has not happened to you [ IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner]:
DOWN:
a. You [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT:or your partner] were turned down for credit
b. You [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] were approved for credit, but were not given as much credit as you applied for
c. You [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] put off applying for credit because you thought you might be turned down
ACROSS:
1. Yes
0. No
Base: A0B=1
[S]
A2. You indicated that you [IF PPMARIT=1, INSERT: or your spouse / IF PPMARIT=6, INSERT: or your partner] desired credit in the past 12 months but did not submit a credit application. Was this because you thought that you might be turned down or denied credit?
1. Yes
0. No
Base: (A1_a=1 or A1_b=1) and at least two of (A0A_a - A0A_i) selected
[IF ONLY ONE OF A0A_A - A0A_I SELECTED, DO NOT ASK AND AUTO-PUNCH RESPONSE]
[M]
A3. In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested:
[ONLY SHOW OPTIONS SELECTED IN A0A AND ANSWER OPTION I. OTHER]
a. Mortgage to buy a new home
b. Refinance of a home mortgage
c. Home-equity loan or line of credit
d. Credit card
e. Car/auto loan
f. Student loan
g. Personal general-purpose loan from a bank
h. Personal loan from friends or family
i. Other [INSERT A0A RESPONSE]
Credit Condition Section
Base: all respondents
[S]
C1. If you had to guess, do you think your current credit score (such as a FICO score) is:
5. Excellent
4. Very good
3. Good
2. Fair
1. Poor
8. Don't know my score or how to rate it
Base: all respondents
[S]
C2A. Do you have at least one credit card?
1. Yes
0. No
Base: C2A=1 or refused
[S]
C3. Do you currently have any outstanding unpaid credit card debt?
1. Yes
0. No
Base: C3=1 or refused
[S]
C3A. Do you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] currently have more, less, or about the same amount of credit card debt than you had 12 months ago?
3. More debt now
2. About the same
1. Less debt now
Base: C3=0
[S]
C3B. 12 months ago, did you have any credit card debt that you have since paid off?
1. Yes
0. No
Base: C2A=1 or refused
[S]
C4A. In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?
0. Never carried an unpaid balance (always pay in full)
1. Once
2. Some of the time
3. Most or all of the time
Base: C4A=1, 2, 3 or refused
[S]
C4B. In the past 12 months, how frequently have you paid only the minimum payment on one or more of your credit cards?
0. Never
1. Once
2. Some of the time
3. Most or all of the time
Education Section
Base: all respondents
[SHOW DISPLAY5 AND ED0 ON THE SAME PAGE]
[DISPLAY5]
This section will ask some questions about your education and experiences with student loans.
[S]
ED0: What is the highest level of school you have completed or the highest degree you have received?
1. Less than High School degree
2. High school degree or GED
3. Some college but no degree (including currently enrolled in college)
4. Certificate or technical degree
5. Associate degree
6. Bachelor's degree
7. Master's degree
8. Professional degree (e.g. MBA, MD, JD)
9. Doctoral Degree
CREATE [DOV_ED]:
IF ED0 = 5 DOV_ED = "Associate Degree"
IF ED0 >= 6 DOV_ED = "Bachelor's Degree"
Base: IF ED0>1
[S]
ED0A: Are you currently enrolled in any school, college, or other post-high school educational program that will lead to a degree?
1. Yes
0. No
Base: ED0A=1
[S]
ED0B: What type of degree program are you currently enrolled in?
1. Certificate or technical degree
2. Associate degree
3. Bachelor's degree
4. Master's degree
5. Professional degree (e.g. MBA, MD, JD)
6. Doctoral Degree
Base: (XSFLAG=2) AND (ED0A=0 OR REFUSED)
[SAMPLE NOTE: Asking of re-respondents to know if last year's info is up to date]
[S]
ED0C: In the past 12 months, have you taken any classes towards a degree or completed any educational programs?
1. Yes
0. No
Base: (ED0 = (3, 4, 5, 6, 7, 8, OR 9) OR ED0A=1) AND ((xsflag=1 OR 3) OR (ED0A=1) OR (ED0C=1))
SAMPLE NOTE: Asking of all new respondents and only re-respondents whose education has changed in past year
[S]
ED1. Which one of the following broad categories best describes your [IF ED0A=1, INSERT: current / IF ED0A=0 OR ED0A=REFUSED, INSERT: most recent] educational program?
1. Humanities
2. Social/behavioral sciences
3. Life sciences
4. Physical sciences/math
5. Computer/information sciences
6. Engineering
7. Education
8. Business/management
9. Health
10. Law
11. Vocational/technical training
12. Undeclared
13. Other (Please specify): [ TEXTBOX]
Base: ((ED0=3 or 4) or (ED0=2 and ED0A=1)) AND ((xsflag=1 or 3) OR (ED0A=1) OR (ED0C=1))
SAMPLE NOTE: Asking of all new respondents and only re-respondents whose education has changed in past year
SHOW ED2A AND ED2B ON THE SAME SCREEN
[DROPDOWN]
ED2A. In what state is the school that you [IF ED0A=1, INSERT: currently attend / IF ED0A=0 OR ED0A=REFUSED, INSERT: attended for your most recent educational program] located? If the school is not located in the United States, please select "International" from the bottom of the list.
[DROPDOWN BOX with 50 states + DC + the term "international"]
ED2B. What is the name of the school you [IF ED0A=1, INSERT: currently attend / IF ED0A=0 OR ED0A=REFUSED, INSERT: attended for your most recent educational program]?
[DROPDOWN BOX with list of schools]
If you do not see the school you attended in the list above, please type it into the text box provided.
School name: [State-specific drop-down list]
Other school not listed: [TEXTBOX]
Base: (ED0 =3 or 4) and (ED0A=0 or refused) AND (xsflag=1 or 3)
SAMPLE NOTE: Asking of all new respondents who are not enrolled in school (re-respondents we either know from LY interview, are currently enrolled, or attended in past yr)
[NUMBER BOX]
ED4. In what year did you last attend this educational program?
_____ [NUM BOX, RANGE 1900 - 2016]
Base: (ED0 =3 or 4) OR (ED0=2 and ED0A=1)
[S]
ED5. Overall, how would you say the lifetime financial benefits of your [ IF ED0A=1, INSERT: current / IF ED0A=0 OR ED0A=REFUSED, INSERT: most recent] educational program compare to its financial costs?
1. Financial benefits are much larger
2. Financial benefits are somewhat larger
3. About the same financial benefits and financial costs
4. Financial costs are somewhat larger
5. Financial costs are much larger
Base: (ED0 =3 or 4) and (ED0A=0 or refused)
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
[GRID, S ACROSS]
ED6. Knowing what you know now about the benefits and costs of your education, if you could go back and make your education decisions again would you have done each of these things:
DOWN:
a. Chosen a different field of study
b. Attended a different school
c. Completed less education
d. Completed more education
e. Chosen not to attend college
ACROSS:
1=Yes
0=No
Base: [(ED0 = 5, 6, 7, 8, or 9)] AND [((xsflag=1 or 3) OR (ED0A=1) OR (ED0C=1))]
SAMPLE NOTE: Asking of all new respondents and only re-respondents whose education has changed in past year
SHOW ED7A AND ED7B ON THE SAME SCREEN
[DROPDOWN]
ED7A. In what state is the school that you received your [DOV_ED] located? If the school is not located in the United States, please select "International" from the bottom of the list.
[DROPDOWN BOX with 50 states + DC + the term "international"]
[DROPDOWN]
ED7B. What is the name of the school from which you received your [DOV_ED]?
School name: [State-specific drop-down list]
If you do not see the school you attended in the list above, please type it into the text box provided.
Other school not listed: [TEXTBOX]
Base: ED0 = 5, 6, 7, 8, or 9 AND [(xsflag=1 OR 3) OR (ED0A=1) OR (ED0C=1)]
[NUMBER BOX]
ED9. In what year did you receive your [DOV_ED]?
[NUM BOX, RANGE 1900 - 2016]
Base: ED0 = 5, 6, 7, 8, or 9
[S]
ED10. Overall, how would you say the lifetime financial benefits of your [DOV_ED] program compare to its financial costs?
1. Financial benefits are much larger
2. Financial benefits are somewhat larger
3. About the same financial benefits and financial costs
4. Financial costs are somewhat larger
5. Financial costs are much larger
Base: ED0 = 5, 6, 7, 8, or 9
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option]
[GRID, S ACROSS]
ED11. Knowing what you know now about the benefits and costs of your education, if you could go back and make decisions regarding your [DOV_ED] again, would you have done each of these things:
DOWN
a. Chosen a different field of study
b. Attended a different school
c. Completed less education
d. Completed more education
e. Chosen not to attend college
ACROSS
1=Yes
0=No
Base: (ED0>=2) AND (PPAGE<=30 or ED4>=2006 or ED9>=2006 or ED0A=1 or ED0C=1 )
[GRID, S ACROSS]
ED12. How important was the advice or opinion of each of the following types of people when you were deciding whether to attend college [IF ED0>=3 OR ED0A=1 OR ED0C=1 , INSERT: and what school to attend]?
DOWN:
a. Parents
b. Siblings, aunts, uncles, or other relatives
c. Friends
d. High school teachers or counselors
e. Faculty or representatives of a college
f. Employer
g. Religious leader
h. Other (Please Specify): [TEXTBOX]
ACROSS:
5. Very important
4. Moderately important
3. Slightly important.
2. Not important
1. No advice from person
Base: (ED0 = 2) and (ED0A = 0 or refused) and PPAGE<=30
[M, RANDOMIZE a-f]
ED13. Which of the following are reasons why you did not attend college?
a. Too expensive
b. Child care responsibilities
c. Supported or cared for parents or siblings
d. Needed to earn money
e. Wanted to work
f. Simply was not interested in college
g. Was not admitted
h. Did not think benefits of attending college were worth the cost
i. Other: [TEXTBOX]_____________________________
Base: (ED0 = 3) and (ED0A = 0 or refused) and (PPAGE<=30 or ED4>=2006)
[M, RANDOMIZE a-f]
ED14. Which of the following are reasons why you did not complete your college degree?
a. Too expensive
b. Child care responsibilities
c. Supported or cared for parents or siblings
d. Needed to earn money
e. Wanted to work
f. Simply not interested in continuing in college
g. Did not think the benefits of continuing college were worth the cost
h. Low grades
i. Other: [TEXTBOX]
Student Loans Section
Base: All respondents
[S]
SL1. Do you currently have student loan debt or owe any money used to pay for your own education?
Please include any loans on which you are a co-signer that were used to pay for your education beyond high school (including student loans, home-equity loans, or credit cards paid off over time).
1. Yes
0. No
Base: SL1 = 1
[GRID, S ACROSS]
SL2. Think about the money you currently owe for your own education. Is the money you owe for that education a student loan, a home-equity loan, a credit card debt, or some other type of loan? If you have multiple loans, please select all that apply.
DOWN:
a. Student Loan
b. Home-Equity Loan
c. Credit Card
d. Other Loan (Please specify): [TEXTBOX]
ACROSS:
1. Yes
0. No
Base: SL2_a=1 or SL2_b=1 or SL2_c=1 or SL2_d=1
[RANGE FOR ALL NUMBER BOXES: $0 to $999,999]
[SHOW IN A GRID FORMAT]
SL3. Thinking specifically about the money that you owe for your own education, please tell us the total amount that you currently owe on each of these loans. If you don't know an exact amount, an estimate is fine.
a. [IF SL2_A=1]Student Loan $____ [NUMBER BOX]
b. [IF SL2_B=1] Home-Equity Loan $____ [NUMBER BOX]
c. [IF SL2_C=1] Credit Card $____ [NUMBER BOX]
d. [IF SL2_D=1] Other Loan $ ____ [NUMBER BOX]
e. Total [SUM OF A-D]$____ [NUMBER BOX]
Base: SL1 = 1
[NUMBER BOX RANGE $0-$99,999]
SL4A. Does anyone else (such as a parent) help you pay these loans from your own education?
1. Yes
0. No
Base: SL1 = 1
[NUMBER BOX RANGE $0-$99,999]
SL4. Approximately how much is the total monthly payment that you make on the loans from your education?
$ ______ [NUM BOX $0-99999]
Base: SL1 = 1
[S]
SL5. Is one or more of the loans from your own education in deferment, forbearance, or being forgiven so you do not need to make payments right now?
1. Yes
0. No
Base: SL1 = 1
[S]
SL6. Are you behind on payments or in collections for one or more of the loans from your own education?
1. Yes
0. No
Base: SL1 = 0 or refused
[S]
SL7. Did you borrow money or take out any loans to pay for your own education that you have since repaid?
1. Yes
0. No
Base: SL1 = 1 or SL7=1
[GRID, S ACROSS]
SL8. Still thinking about the money you borrowed to pay for your own education, did you borrow money for each of the following educational programs (including any loans which you have completely repaid)?
DOWN:
a. Certificate or technical training
b. Associate degree
c. Bachelor's degree
d. Professional degree (e.g. MBA, MD, JD)
e. Master's degree or Doctoral Degree
ACROSS:
1=Yes
0=No
Base: SL1 = 1 OR SL7=1
[S]
SL9. Did you complete the most recent educational program for which you borrowed money?
1. Yes
0. No
2. Still enrolled in the program
Base: IF PPMARIT=1 OR 6
[S]
SL10. Do you currently owe any money used to pay for your [ IF PPMARIT=1, INSERT: spouse's / IF PPMARIT=6, INSERT: partner's] education? Please only include any loans on which you are a co-signer that were used to pay for their education beyond high school (including student loans, home-equity loans, or credit cards paid off over time).
1. Yes
0. No
Base: IF PPAGE GE 30
[S]
SL11. Do you currently owe any money used to pay for your child's or grandchild's education? Please only include any loans on which you are a co-signer that were used to pay for their education beyond high school (including student loans, home-equity loans, or credit cards paid off over time).
1. Yes
0. No
999. Do not have children or grandchildren
Base: IF SL11=1
[GRID, S ACROSS]
SL12. Is the money you owe for your child's or grandchild's education a student loans, home-equity loan, credit card debt, or some other type of loan? If you have multiple loans, please select all that apply.
DOWN:
A. Student Loan
B. Home-Equity Loan
C. Credit Card
D. Other Loan (Please specify): [TEXTBOX]
ACROSS:
1. Yes
0. No
Retirement Planning Section
Base: (D1_i = 0 or Refused) and (D2 =1-8 or refused)
[SHOW DISPLAY6 AND K2 ON THE SAME PAGE]
[FOR THOSE WHO ARE NOT DISPLAYED K2, SHOW DISPLAY6 AND K8A ON THE SAME PAGE]
[DISPLAY6]
This section will ask some questions about your planning and savings for retirement.
Base: (D1_i = 0 or Refused) and (D2 =1-8 or refused)
[GRID, S ACROSS]
K2. Do you currently have each of the following types of retirement savings or pension?
DOWN:
a. 401(k), 403(b), Keogh, or other defined contribution plan through an employer or former employer (i.e., a retirement plan through work, where you contribute a percent of your salary each pay-period to invest for retirement)
b. Pension with a defined benefit through an employer or former employer (i.e. a pension that will pay you a fixed amount each year during retirement based on a formula, your earnings, and years of service)
c. IRA or Roth IRA
d. Savings outside a retirement account (e.g. a brokerage account, savings account, or stock holdings)
e. Ownership of real estate or land that you plan to sell or rent to generate income in retirement
f. Ownership of my business
g. Other retirement savings (Please specify): [TEXTBOX]
ACROSS:
1=Yes
0=No
Base: (K2_a=0 or refused) AND (D1_a=1 or D2=1)
[S]
DC1. Does your employer offer a 401(k), 403(b), Thrift, or other defined contribution retirement plan?
1. Yes
0. No
8. Don't know
Base: DC1 = 0 or 8
[S]
DC3. If your employer did offer a 401(k), 403(b), Thrift, or other defined contribution retirement plan, would you contribute to the plan?
1. Definitely No
2. Probably No
3. Probably Yes
4. Definitely Yes
8. Don't know
Base: (K2_a, K2_c, or K2_d=1)
[S]
DC4: How comfortable are you with making your own investment decisions in your retirement accounts (including IRA, 401(k), 403(b), Thrift, or other retirement accounts where you choose the investments for yourself)?
1. Very comfortable
2. Mostly comfortable
3. Slightly comfortable
4. Not comfortable
Base: (D1_i = 0 or Refused) and (D2 =1-8 or refused)
[S]
K5A. In the past 12 months, have you borrowed money from or cashed out (permanently withdrawn) money from any of your retirement savings accounts?
1. Yes, borrowed money
2. Yes, cashed out
3. Yes, both
0. No
Base: (D1_i = 1 or D2=9)
[SHOW DISPLAY 6A AND K8A ON THE SAME SCREEN]
[DISPLAY6A]
This section will ask some questions about your planning and savings for retirement.
[NUM BOX WITH SP, RANGE 25 TO PPAGE]
[ALLOW RESPONDENT TO EITHER TYPE ANSWER IN NUMBER BOX OR CHECK DON'T KNOW, PROMPT WITH THE FOLLOWING IF BOTH: Please enter an answer in the number box OR check Not Sure.]
K8A. You indicated previously that you are retired. At what age did you retire?
[NUM BOX 17-PPAGE]
999 Not Sure [S]
Base: (D1_i = 1 or D2=9)
[GRID, S ACROSS]
K9. How important were each of the following in your decision to retire at the age that you did?
DOWN:
a. Poor health
b. Wanted to do other things
c. Didn't like the work
d. Wanted to spend more time with family
e. Forced to retire or lack of available work
ACROSS:
3. Very important
2. Somewhat important
1. Not important
Base: (D1_i = 1 or D2=9)
[GRID, S ACROSS]
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes or no to each option ]
K10. Are each of the following sources of funds for you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] in retirement?
DOWN:
a. Social Security
b. I have a job
c. My spouse/partner has a job [DISPLAY IF PPMARIT=1 OR PPMARIT=6]
d. Pension with a defined benefit from work (i.e. pension based on a formula, your earnings, and years of service)
e. 401(k), 403(b), Keogh, or other defined contribution plan from work (i.e., a retirement plan through work, where you contributed a percent of your salary each pay-period to invest for retirement)
f. IRA or Roth IRA
g. Savings outside a retirement account (e.g. a brokerage account, savings account)
h. Income from real estate or the sale of real estate
i. Income from a business or the sale of a business
j. Relying on children, grandchildren, or other family
k. Other retirement savings
ACROSS:
1. Yes
0. No
Income and Consumption Section
[SHOW DISPLAY7 AND I0 ON THE SAME PAGE]
[DISPLAY7]
This section will ask some questions about your savings, expenses, and sources of income.
Base: All respondents
[S]
I0. In the past 12 months, did you [IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT:and/or your partner] receive any income from the following sources:
DOWN:
a. Wages or salaries
b. Self-employment
c. Freelance work or hobbies (do not include income from GfK)
d. Interest, dividends, or rental income
e. Social Security
f. Supplemental Security (SSI)
g. Unemployment income
h. Pension income
i. Any other income
ACROSS:
1. Yes
0. No
Base: if ALL I0_a through I0_i =0 or refused
[S]
I0A. Did you [IF PPMARIT=1, INSERT: and/or your spouse / IF PPMARIT=6, INSERT: and/or your partner] receive any income from any source in the past 12 months?
1. Yes
0. No
Base: I0=1 for any response OR I0A=1 or refused
[S]
[IF REFUSED, PROMPT ONCE: "We ask for information about your income because it is extremely important for our understanding of household finances in the United States. We greatly appreciate your response and your answer will remain completely anonymous" ]
I4A. Which of the following categories best describes the total income that you [ IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT: and your partner] received from all sources, before taxes and deductions, in the past 12 months?
1. $0 to $4,999
2. $5,000 to $14,999
3. $15,000 to $24,999
4. $25,000 to $39,999
5. $40,000 to $49,999
6. $50,000 to $74,999
7. $75,000 to $99,999
8. $100,000 to $149,999
9. $150,000 to $199,999
10. $200,000 or higher
Base: I0=1 for any response OR I0A=1 or refused
[S]
I1. In the past 12 months, would you say that your [IF PPMARIT=1, INSERT: and your spouse's / IF PPMARIT=6, INSERT:and your partner's] total spending was:
3. More than your income
2. The same as your income
1. Less than your income
Base: I1 = 3
[GRID, S ACROSS]
I3. In the past 12 months, did you [IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner] do each of the following to cover spending that exceeded your income?
DOWN:
a. Spend out of your savings
b. Borrow / take-on debt
c. Rely on family or friends
d. Other (Please describe): [TEXTBOX] _____________
ACROSS:
1. Yes
0. No
Base: All respondents
[S]
I9. In the past 12 months, which one of the following best describes how your [ IF PPMARIT=1, INSERT: and your spouse's / IF PPMARIT=6, INSERT: and your partner's] income changes from month to month, if at all?
1. Roughly the same amount each month
2. Roughly the same most months, but some unusually high or low months during the year
3. Often varies quite a bit from one month to the next
Base: I9 = 2 OR 3
[M; RANDOMIZE; a-f]
I10. Please indicate whether each of the following is a reason that your [ IF PPMARIT=1, INSERT: and your spouse's / IF PPMARIT=6, INSERT: and your partner's] income changed from month to month in the past year:
a. Bonuses
b. Commissions
c. Seasonal employment
d. Irregular work schedule (i.e. your work hours change from week to week)
e. Periods of unemployment
f. Investment Income
g. Other (Please Specify): [ TEXTBOX]
Base: (I9 = 2 or 3)
[S]
I12. In the past 12 months, did you [ IF PPMARIT=1, INSERT: and your spouse / IF PPMARIT=6, INSERT:and your partner] have any months where you struggled to pay your bills because your income was lower than normal?
1. Yes
0. No
Online Consumer Activities Section
Base: all respondents
[GRID, S ACROSS]
OL1. In the past 12 months, have you purchased each of the following types of goods online:
DOWN:
a. Groceries or personal care items
b. Clothing
c. Furniture or household goods
d. Electronics or appliances
e. Books, music, or DVDs
f. Travel-related items (plane tickets, hotel rooms)
g. Tickets to live events, like sporting events, concerts, or movies
h. Food delivery or carryout
i. Other (Please describe): [TEXTBOX] ________________________________
ACROSS:
1. Yes
0. No
Base: Yes to any choices in OL1
[ONLY SHOW CHOICES SELECTED IN OL1]
[GRID, S ACROSS]
OL2. For each type of good that you purchased online in the past 12 months, what was the primary reason that you made these purchases online rather than in a local store?
DOWN:
a. Groceries or personal care items
b. Clothing
c. Furniture or household goods
d. Electronics or appliances
e. Books, music, or DVDs
f. Travel-related items (plane tickets, hotel rooms)
g. Tickets to live events, like sporting events, concerts, or movies
h. Food delivery or carryout
i. Other
ACROSS:
1. Convenience
2. Better price
3. Better quality
4. Not available in local stores
5. Other reason
Base: all respondents
[GRID, S ACROSS]
OL3. In the past 12 months have you done each of the following:
DOWN:
a. Bought used, second-hand, or handmade goods on websites like eBay, Craigslist, or Etsy?
b. Used a ride-hailing service like Uber or Lyft?
c. Stayed overnight in a private residence that you booked online using a service like Airbnb, VRBO, or HomeAway?
d. Hired someone online to do a task for you remotely through a service such as Mechanical Turk or Fiverr?
e. Hired someone online to to do an in-person task such as child-care or housecleaning through a service such as Handy, Care.com, or TaskRabbit?
f. Ordered delivery of prepared meals through services such as GrubHub, Caviar, Instacart or UberEats?
g. Bought streaming online media or entertainment content, through services such as Netflix or Amazon Prime?
ACROSS:
1. Yes
0. No
Base: all respondents
[GRID]
OL4. In the past 12 months, have you used the internet to do each of the following, even if you did not make the purchase online?
DOWN:
a. Read product reviews or get product information
b. Compare prices and the availability of products, either across online sites or listed for sale in brick-and-mortar stores
c. Interacted with a customer service representative for a product you purchased
d. Taken a class or educational program
e. Made reservations online, such as at a restaurant, salon, or doctor's office (including both from the business directly or through sites such as OpenTable)
ACROSS:
1. Yes
0. No
Emergency Fund Section
[SHOW DISPLAY8 AND EF1 ON THE SAME PAGE]
[DISPLAY8]
This section will ask some questions about your emergency savings, insurance, and economic hardships.
Base: All respondents
[S]
EF1. Have you set aside emergency or rainy day funds that would cover your expenses for 3 months in case of sickness, job loss, economic downturn, or other emergencies?
1. Yes
0. No
Base: EF1 = 0 or refused
[S]
EF2. If you were to lose your main source of income (e.g. job, government benefits), could you cover your expenses for 3 months by borrowing money, using savings, selling assets, or borrowing from friends/family?
1. Yes
0. No
Base: All respondents
[M]
EF3. Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense? If you would use more than one method to cover this expense, please select all that apply.
a. Put it on my credit card and pay it off in full at the next statement
b. Put it on my credit card and pay it off over time
c. With the money currently in my checking/savings account or with cash
d. Using money from a bank loan or line of credit
e. By borrowing from a friend or family member
f. Using a payday loan, deposit advance, or overdraft
g. By selling something
h. I wouldn't be able to pay for the expense right now
i. Other (Please specify): [TEXTBOX]
Base: All respondents
[S]
EF5A. Do you expect to be able to pay all of your bills in full this month?
1. I will be able to pay all of my bills in full
0. I cannot pay some bills or will only make a partial payment on some of them
Base: EF5A=1
[S]
EF5B. How would a $400 emergency expense that you had to pay impact your ability to pay your other bills this month?
1. I would still be able to pay all of my other bills in full
0. I could not pay some other bills or would only make a partial payment on some of them
Health and Insurance Section
Base: All respondents
[GRID, S ACROSS]
[SHOW THIS TEXT INSTEAD OF DEFAULT INSTRUCTIONS: Please answer yes or no to each option ]
E1. During the past 12 months, was there a time when you needed any of the following, but didn't get it because you couldn't afford it?
DOWN:
a. Prescription medicine (including taking less medication than prescribed)
b. To see a doctor
c. Mental health care or counseling
d. Dental care (including skipping check-ups or routine cleaning)
e. To see a specialist (such as an OB/GYN, dermatologist, orthopedic surgeon, etc.)
f. Follow-up care (e.g. skipping physical therapy sessions recommended by a doctor )
ACROSS:
1. Yes
0. No
Base: All respondents
[S]
E2. During the past 12 months, have you had any unexpected major medical expenses that you had to pay out of pocket (that were not completely paid for by insurance)?
1. Yes
0. No
Base: E2=1
[NUMBER BOX RANGE $0 to $9,999,999]
E2A. Approximately how much did you pay out of pocket for unexpected major medical expenses in the past 12 months?
$[NUM box 0-9999999]
Base: E2=1
[S]
E2B: Do you currently have an unpaid balance or owe any debt related to the unexpected major medical expenses that you had in the past 12 months?
1. Yes
0. No
Base: All respondents
[GRID]
[SUPPRESS DEFAULT INSTRUCTIONS, INSTEAD SHOW: Please answer yes, no, or don't know to each option ]
E4. Are you CURRENTLY covered by any of the following types of health insurance or health coverage plans?
PROGRAMMING NOTE: CODE "Yes" AS 1, "No" AS 0, AND REFUSED AS -1.
DOWN:
a. Insurance through a current or former employer or union (of yourself or a family member)
b. Insurance purchased directly from an insurance company (by yourself or a family member)
c. Medicare, for people 65 or older, or people with certain disabilities
d. Medicaid, Medical Assistance, or any kind of government-assistance plan for those with low incomes or disability
e. TRICARE or other military health care
f. VA (including those who have ever used or enrolled for VA health care)
g. Indian Health Service
h. Insurance purchased through a health insurance exchange
i. Any other type of health insurance or health coverage plan
ACROSS:
1. Yes
0. No
Base: All respondents
[GRID, S ACROSS]
[SUPPRESS DEFAULT INSTRUCTIONS]
E6. Do you currently have serious difficulty with any of the activities listed below due to a physical, mental, or emotional condition?
Please do not include difficulties resulting from a temporary condition such as pregnancy or a short-term injury.
DOWN:
a. Do you have serious difficulty hearing or serious difficulty seeing even with glasses (including being blind or deaf)?
b. Because of a physical, mental, or emotional condition, do you have serious difficulty concentrating, remembering, or making decisions?
c. Do you have serious difficulty walking or climbing stairs?
ACROSS:
1. Yes
0. No
Base: D1_h=0
[GRID]
[SUPPRESS DEFAULT INSTRUCTIONS]
E7. Do you currently have a health problem or disability which prevents you from working or which limits the kind or amount of work that you can do?
1. Yes
0. No
Financial Hardship Section
Base: All respondents
[GRID, S ACROSS]
X2. Have you and your family living with you experienced each of the following events in the past 12 months?
DOWN:
a. I lost a job
b. I had my work hours and/or pay reduced
c. My spouse/partner lost a job
d. My spouse/partner had their work hours and/or pay reduced
e. Told by landlord that I had to move out
f. Received a foreclosure or eviction notice
g. A business I owned had financial difficulty
h. I had a significant health problem
i. A family member had significant health problem
j. Divorce
k. Death of primary breadwinner
ACROSS:
1. Yes
0. No
Base: X2=1 for at least one answer
[ONLY SHOW CHOICES A-I WHERE RESPONDENT ANSWERED "YES" TO X2]
[GRID, S ACROSS]
X3. How much financial strain did each of the events that you experienced cause for you and your family?
DOWN:
a. I lost a job
b. I had my work hours and/or pay reduced
c. My spouse/partner lost a job
d. My spouse/partner had their work hours and/or pay reduced
e. Told by landlord that I had to move out
f. Received a foreclosure or eviction notice
g. A business I owned had financial difficulty
h. I had a significant health problem
i. A family member had significant health problem
j. Divorce
k. Death of primary breadwinner
ACROSS:
1. None
2. A little strain
3. Moderate strain
4. Substantial strain
Base: All respondents
[TEXTBOX, 300 CHARACTERS]
[PROGRAMMING NOTE: TEXTBOX IS INTENTIONALLY LARGER THAN THE STATED LIMIT SO THAT RESPONDENT IS NOT FORCED TO REDUCE TEXT IF THEY WRITE TOO MUCH.]
[O]
X11. In a couple of words (150 character max) please describe the main financial challenges or concerns facing you or your family? If none please click the "None" box.
[TEXTBOX, 300 CHARACTERS]
999 None [S]
Childhood Background Section
[SHOW DISPLAY9 AND CH0 ON THE SAME PAGE]
[DISPLAY9]
Finally, we are interested in a few characteristics of your neighborhood and family when you were growing up.
Base: all respondents
[NUMBER BOX]
CH0. Where did you live when you started high school?
a. City and State: [TEXTBOX]
b. Zip Code: [TEXTBOX]
Base: all respondents
[GRID, S ACROSS]
CH1. When you were growing up (under age 17), how frequently did you worry about each of the following?
DOWN:
a. Your family's finances
b. Having enough food to eat
c. Crime and personal safety
d. Having a stable caregiver
ACROSS:
1. Never worried
2. Rarely worried
3. Sometimes worried
4. Regularly worried
Base: xsflag=1 or 3
[S]
CH2. What is the highest level of education that your mother completed?
1. Less than High School degree
2. High school degree or GED
3. Some college but no degree
4. Certificate or technical degree
5. Associate degree
6. Bachelor's degree
7. Graduate degree
8. Don't know
Base: xsflag=1 or 3
[S]
CH3. What is the highest level of education that your father completed?
1. Less than High School degree
2. High school degree or GED
3. Some college but no degree
4. Certificate or technical degree
5. Associate degree
6. Bachelor's degree
7. Graduate degree
8. Don't know
[INSERT STANDARD CLOSE]
End of survey