Individual Identifier
Survey language
Gender - Male
Year of birth
Age
Age range for missing age
US citizen
Born in the US
State born - FIPS coding
Country born
Immigrant status
Marital status
Living with partner
Highest level of education
Spanish/Hispanic/Latino
Spanish/Hispanic/Latino group
White
Black
American Indian or Alaska Native
Asian
Hawaiian/Pacific Islander
Race
Currently working
On sick or other leave
Unemployed - on layoff
Unemployed - looking
Retired
Disabled
Other Labor Force Status
Labor Status
Employment type
Work full-time or part-time
Hours of work per week
Household income
Whether any other HH member
Number of household members besides R
HH member 1 age
HH member 2 age
HH member 3 age
HH member 4 age
HH member 5 age
HH member 6 age
HH member 7 age
HH member 8 age
HH member 9 age
HH member 10 age
HH member 11 age
HH member 12 age
HH member 13 age
HH member 14 age
HH member 15 age
HH member 16 age
HH member 17 age
HH member 1 gender - male
HH member 2 gender - male
HH member 3 gender - male
HH member 4 gender - male
HH member 5 gender - male
HH member 6 gender - male
HH member 7 gender - male
HH member 8 gender - male
HH member 9 gender - male
HH member 10 gender - male
HH member 11 gender - male
HH member 12 gender - male
HH member 13 gender - male
HH member 14 gender - male
HH member 15 gender - male
HH member 16 gender - male
HH member 17 gender - male
Whether HH member 1 is in the HH
Whether HH member 2 is in the HH
Whether HH member 3 is in the HH
Whether HH member 4 is in the HH
Whether HH member 5 is in the HH
Whether HH member 6 is in the HH
Whether HH member 7 is in the HH
Whether HH member 8 is in the HH
Whether HH member 9 is in the HH
Whether HH member 10 is in the HH
Whether HH member 11 is in the HH
Whether HH member 12 is in the HH
Whether HH member 13 is in the HH
Whether HH member 14 is in the HH
Whether HH member 15 is in the HH
Whether HH member 16 is in the HH
Whether HH member 17 is in the HH
HH member 1 relationship
HH member 2 relationship
HH member 3 relationship
HH member 4 relationship
HH member 5 relationship
HH member 6 relationship
HH member 7 relationship
HH member 8 relationship
HH member 9 relationship
HH member 10 relationship
HH member 11 relationship
HH member 12 relationship
HH member 13 relationship
HH member 14 relationship
HH member 15 relationship
HH member 16 relationship
HH member 17 relationship
currently in school
general health
satisfaction current financial situation
rate credit score
because of money situation, I feel like I will never have the things I want in l
I am just getting by financially
I am concerned that the money I have or will save wont last
I have money left over at the end of the month
my finances control my life
number of people help financially not living with you
stress because of finances
total household income over last 12 months
how easy to predict household income for following month
income varied month per month
reasons income varied
Variable income from bonuses
Variable income from commission, tips, consulting, gig work, side jobs, odd jobs
Seasonal employment that began or ended in the last 12 months
Seasonal variation in sales or contracts
Wages were garnished (i.e. withheld by your employer to pay some of your debts),
Irregular work schedule or overtime work
Periods where you or household members were unemployed or laid off or on unpaid
Payouts from investment income
Received a promotion or salary increase
Started a new job
Some other reason, please specify: q026_other
Medicaid
Medicare
social security
Supplemental Security Income (SSI) Benefits
Social Security Disability Insurance (SSDI)
Supplemental Nutrition Assistance Program (SNAP or food stamps)
Other public benefit
how compares total income to total spending
closest reason spending exceeded income
how paid bills over last 12 months
how pay emergency expense
Put it on my credit card and pay it off in full at the next statement
Put it on my credit card and pay it off over time
With the money currently in my checking/savings account or with cash
Using money from a bank loan or line of credit
By borrowing from a friend or family member
Using a payday loan, deposit advance, or overdraft
By selling something
I wouldnt be able to pay for the expense right now
Other, please specify: q043_other
how long could cover expenses
how confident doing what needed to meet long term goals
Checking account
Savings account
Employer-provided retirement account (e.g. 401k, 403(b) or Thrift Savings Plan (
Individual retirement account not provided by an employer (IRA, Keogh, SEP, or a
An employer-provided traditional pension or cash balance plan
Other personal savings or investments such as mutual funds, money market account
Savings in cash
Other assets
Checking account current value
Savings account current value
Savings in cash current value
Other current value
Checking save frequency
Savings account save frequency
Retirement account (IRA, Keogh, SEP, or any other retirement fund) frequency
Savings in cash frequency
Other save frequency
Cashed a check
Sent money to friends or family living outside the US
Borrowed a payday loan or received a payday advance
Used a pawn shop loan
Used rent-to-own services
Took out a tax refund anticipation loan
debt payments manageable
have debt--auto loans
have debt--student loans
have debt--small business loans
have debt--mortgages
have debt--medical
have debt--credit cards
have debt--other loans
amount of debt--auto loans
amount of debt--student loans
amount of debt--small business loans
amount of debt--mortgages
amount of debt--medical
amount of debt--credit cards
debt delayed/prevented starting a business
debt delayed/prevented moving
debt delayed/prevented school
debt delayed/prevented starting a family
debt delayed/prevented purchasing home
debt delayed/prevented purchasing car
debt delayed/prevented saving for retirement
debt delayed/prevented retirement
debt delayed/prevented changing jobs
debt delayed/prevented medical care
how long til all debt paid
living situation
car insurance on all vehicles
covered by homeowners insurance
covered by renters insurance
have life insurance
have short or long term disability insurance
have health insurance
confidence in insurance coverage
household plans ahead financially
main job
USED INTERNET BANKING
spent time in jail/prison
anyone in HH deaf - No
anyone in HH deaf - Yes, Myself
anyone in HH deaf - Yes, Other adult (age 18-65) in your household
anyone in HH deaf - Yes, Other adult (age 65 and over)
anyone in HH blind - anyone in HH deaf - Yes, Child (age 5 - 17)
anyone in HH deaf - Yes, Other (Please Specify): q138_other
anyone in HH deaf - I dont know
anyone in HH deaf
anyone in HH blind - No
anyone in HH blind - Yes, Myself
anyone in HH blind - Yes, Other adult (age 18-65) in your household
anyone in HH blind - Yes, Other adult (age 65 and over)
Yes, Child (age 5 - 17)
anyone in HH blind - Yes, Other (Please Specify): q139_other
anyone in HH blind - I dont know
anyone in HH blind
anyone in HH memory difficulty - No
anyone in HH memory difficulty - Yes, Myself
anyone in HH memory difficulty - Yes, Other adult (age 18-65) in your household
anyone in HH memory difficulty - Yes, Other adult (age 65 and over)
anyone in HH memory difficulty - Yes, Child (age 5 - 17)
anyone in HH memory difficulty - Yes, Other (Please Specify): q140_other
anyone in HH memory difficulty - I dont know
anyone in HH have memory/concentration difficulty because of a health condition
anyone in HH difficulty walking - No
anyone in HH difficulty walking - Yes, Myself
anyone in HH difficulty walking - Yes, Other adult (age 18-65) in your household
anyone in HH difficulty walking - Yes, Other adult (age 65 and over)
anyone in HH difficulty walking - Yes, Child (age 5 - 17)
anyone in HH difficulty walking - Yes, Other (Please Specify): q141_other
anyone in HH difficulty walking - I dont know
anyone in HH have difficulty walking/climbing stairs
anyone in HH difficulty dressing/bathing - No
anyone in HH difficulty dressing/bathing - Yes, Myself
anyone in HH difficulty dressing/bathing - Yes, Other adult (age 18-65) in your
anyone in HH difficulty dressing/bathing - Yes, Other adult (age 65 and over)
anyone in HH difficulty dressing/bathing - Yes, Child (age 5 - 17)
anyone in HH difficulty dressing/bathing - Yes, Other (Please Specify): q142_oth
anyone in HH difficulty dressing/bathing - I dont know
anyone in HH have difficulty dressing or bathing
anyone in HH difficulty with errands - No
anyone in HH difficulty with errands - Yes, Myself
anyone in HH difficulty with errands - Yes, Other adult (age 18-65) in your hous
anyone in HH difficulty with errands - Yes, Other adult (age 65 and over)
anyone in HH difficulty with errands - Yes, Child (age 5 - 17)
anyone in HH difficulty with errands - Yes, Other (Please Specify): q143_other
anyone in HH difficulty with errands - I dont know
anyone in HH have difficulty doing errands because of a health condition
TYPE OF SELF-EMPLOYMENT
TOTAL REVENUE OF BUSINESS IN 2018
AT END OF 2018 WAS BUSINESS PROFITABLE
HAVE SEPARATE BANK ACCOUNT FOR BUSINESS TRANSACTIONS
RECEIVE TREATMENT FOR EMOTIONAL ISSUE
NEIGHBORHOOD RATING--AVAILABILITY OF AFFORDABLE HOUSING
NEIGHBORHOOD RATING--AVAILABILITY OF PARKS/PLAYGROUNDS
NEIGHBORHOOD RATING--AVAILABILITY OF HIGH-QUALITY SCHOOLS
NEIGHBORHOOD RATING--AVAILABILITY OF CHILDCARE
I worried whether our food would run out before I got money to buy more.
we had trouble paying our rent or mortgage
did not get healthcare we needed because we couldnt afford it
stopped taking a medication or took less than directed due to the costs
RESPONSIBILITY PAYING BILLS
RESPONSIBILITY SHOPPING FOR HOUSEHOLD
RESPONSIBILITY MAKING SAVING/INVESTING DECISIONS
RESPONSIBILITY MAKING OTHER FINANCIAL DECISIONS
RECD FINANCIAL ASSISTANCE FROM FAMILY/FRIENDS
GAVE FINANCIAL ASSISTANCE FROM FAMILY/FRIENDS
LIFE EVENT--MARRIAGE
LIFE EVENT--DIVORCE OR SEPARATION
LIFE EVENT--DEATH OF A FAMILY MEMBER
LIFE EVENT--HAD CHILD/BECAME PRIMARY CAREGIVER
LIFE EVENT--BECAME CAREGIVER OF OLDER ADULT
LIFE EVENT--BEGAN COLLEGE OR GRAD SCHOOL
LIFE EVENT--GRADUATED COLLEGE OR GRAD SCHOOL
LIFE EVENT--STARTED NEW JOB
LIFE EVENT--RECEIVED SIGNIFICANT PROMOTION AND/OR RAISE
LIFE EVENT--LOST A JOB OR WORKED LESS THAN EXPECTED
LIFE EVENT--BOUGHT A NEW HOME
LIFE EVENT--HAD MAJOR MEDICAL EXPENSE
LIFE EVENT--OTHER SIGNIFICANT LIFE EVENT
Impact of life event - Lost a job
Impact of life event - Bought home
Impact of life event - Major medical expense
Impact of life event - Other
Impact of life event - Marriage
Impact of life event - Divorce/separation
Impact of life event - Death of family member
Impact of life event - Had a baby
Impact of life event - Caregiver of adult
Impact of life event - Began college
Impact of life event - Graduated from college
Impact of life event - Started new job
Impact of life event - Received promotion/raise
AMOUNT OF ASSISTANCE HOUSEHOLD PROVIDED
PORTION OF INCOME IN CASH
FOOD--DK
HOUSING--DK
UTILITIES--DK
TRANSPORTATION--DK
EDUCATION--DK
HEALTHCARE--DK
CHILDCARE--DK
AMT HOUSEHOLD SPENT LAST MONTH ON FOOD
AMT HOUSEHOLD SPENT LAST MONTH ON HOUSING
AMT HOUSEHOLD SPENT LAST MONTH ON UTILITIES
AMT HOUSEHOLD SPENT LAST MONTH ON TRANSPORTATION
AMT HOUSEHOLD SPENT LAST MONTH ON EDUCATION
AMT HOUSEHOLD SPENT LAST MONTH ON HEALTHCARE
AMT HOUSEHOLD SPENT LAST MONTH ON CHILDCARE
Purchased a money order
PREPAID CARD YES/NO/DK
prepaid card value
amount of other debt or loans
have debt--home equity line of credit
amount of debt--home equity line of credit
HAVE ONE OR MORE CREDIT CARDS
USED MOBILE BANKING
USED A PERSONAL FINANCIAL MANANGEMENT TOOL
USED AUTOMATIC TRANSFERS FROM CHECKING
TAKEN A LOAN FROM ANY RETIREMENT ACCOUNT
USED AUTOMATIC TRANSFER FROM A PAYCHECK TO RET ACCOUNT
CHECKED CREDIT SCORE OR REPORT
OPENED NEW CHECKING ACCOUNT
OPENED NEW SAVINGS ACCOUNT
OPENED NEW CREDIT CARD
OPENED NEW PERSONAL LOAN
HOW OFTEN OVERDRAW CHECKING ACCT
HOW OFTEN CARRY A CREDIT CARD BALANCE
EVER ATTEMPTED TO CALCULATE HOW MUCH NEEDED FOR RETIREMENT
EVER TALKED TO A PROFESSIONAL FINANCIAL EXPERT
CURRENTLY SETTING ASIDE MONEY FOR EMERGENCY
CURRENTLY SAVING IN AN HSA OR FSA
WORKED AS AN INDEPENDENT CONTRACTOR/CONSULTANT/FREELANCE
COMPLETED ONE-OFF TASKS ONLINE OR IN-PERSON
WORKED IN A JOB WHERE ONLY CALLED TO WORK AS NEEDED
WORKED UNDER SHORT-TERM CONTRACTS
WORKED A JOB THAT LASTED A LIMITED TIME
Main reason performed - Independent/freelance
Main reason performed - One-off task
Main reason performed - called to work as needed
Main reason performed - short-term contract
Main reason performed - limited time period
NEIGHBORHOOD RATING--AVAILABILITY OF PLACES TO BUY HEALTHY FOOD
NEIGHBORHOOD RATING--ACCESS TO PUBLIC TRANSIT
NEIGHBORHOOD RATING--ACCESS TO EMPLOYMENT OPPORTUNITIES
NEIGHBORHOOD RATING--ACCESS TO HIGH-QUALITY MEDICAL CARE
NEIGHBORHOOD RATING--SAFETY FROM CRIME AND VIOLENCE
NEIGHBORHOOD RATING--CLEAN AIR AND WATER
CPS-ASEC Year Used for Benchmark Distributions
Relative Post-Stratification Weight (2 waves)
Score - Spend (calculated)
Score - Save (calculated)
Score - Borrow (calculated)
Score - Plan (calculated)
Score - FinHealth (calculated)
Financial Health tier (calculated)
Base Weight
Relative Post-Stratification Weight
Whether any weighting variable is imputed