| TECHNICAL |
| CASEID |
Case ID (numeric) |
| WGT |
Sample weight |
| YEAR |
Survey Year |
| Y1 |
Case ID with implicate number |
| YY1 |
Case ID |
| X1 |
Case ID with implicate number |
| XX1 |
Case ID |
| CPI_DEFL |
Deflator Value |
| DEMOGRAPHICS |
| AGE |
Age of reference person |
| AGECL |
Age group of the reference person |
| HHSEX |
Gender of household reference person |
| EDCL |
Education category of reference person |
| EDUC |
Highest completed grade by reference person |
| FAMSTRUCT |
Family structure of household |
| HOUSECL |
Home-ownership category of household |
| KIDS |
Total number of children in household |
| MARRIED |
Marital status of reference person |
| NOCHK |
Household has no checking account |
| OCCAT1 |
Occupation categories for reference person |
| OCCAT2 |
Occupation classification for reference person |
| RACE |
Race/ethnicity of respondent |
| RACECL |
Class of race of respondent |
| RACECL4 |
Alternate class of race of respondent |
| RACECL5 |
Alternate class of race of respondent |
| LIFECL |
Life cycle of reference person |
| LF |
Labor force participation of reference person |
| INDCAT |
Industry classifications for reference person |
| EXPENSHILO |
Households overall expenses over last 12 months |
| TURNDOWN |
Household has been turned down for credit in the past 5 years |
| FEARDENIAL |
Household feared being denied credit in the past 5 years |
| TURNFEAR |
Household has been turned down for credit or feared being denied credit in the past 5 years |
| BNKRUPLAST5 |
Household has declared bankruptcy in the past 5 years |
| FORECLLAST5 |
Respondent had a foreclosure in the last five years |
| NOCCBAL |
Household does not carry a balance on credit cards |
| ASSETS |
| ASSET |
Total value of assets held by household, 2022 dollars |
| ASSETCAT |
Asset percentile groups |
| FIN |
Total value of financial assets held by household, 2022 dollars |
| HLIQ |
Household has any checking, savings, money market or call accounts |
| LIQ |
Total value of all types of transactions accounts, 2022 dollars |
| MMA |
Total value of money market deposit and money market mutual fund accounts, 2022 dollars |
| CHECKING |
Total value of checking accounts held by household, 2022 dollars |
| SAVING |
Total value of savings accounts held by household, 2022 dollars |
| CALL |
Total value of call accounts held by household, 2022 dollars |
| CDS |
Total value of certificates of deposit held by household, 2022 dollars |
| PREPAID |
Amount in prepaid card accounts, 2022 dollars |
| NMMF |
Total value of directly held pooled investment funds held by household, 2022 dollars |
| SAVBND |
Total value of savings bonds held by household, 2022 dollars |
| STOCKS |
Total value of directly held stocks held by household, 2022 dollars |
| BOND |
Total value of directly held bonds held by household, 2022 dollars |
| CASHLI |
Total cash value of whole life insurance held by household, 2022 dollars |
| OTHMA |
Total value of other managed assets held by household, 2022 dollars |
| RETQLIQ |
Total value of quasi-liquid held by household, 2022 dollars |
| RETEQ |
Total value of equity in quasi-liquid retirement assets, 2022 dollars |
| ANYPEN |
Pension exists for either reference person or spouse |
| OTHFIN |
Total value of other financial assets, 2022 dollars |
| NFIN |
Total value of nonfinancial assets held by household, 2022 dollars |
| VEHIC |
Total value of all vehicles held by household, 2022 dollars |
| HOUSES |
Total value of primary residence of household, 2022 dollars |
| ORESRE |
Total value of other residential real estate held by household, 2022 dollars |
| NNRESRE |
Total value of net equity in nonresidential real estate held by household, 2022 dollars |
| HBUS |
Have active or nonactively managed business(es) |
| BUS |
Total value of business(es) in which the household has either an active or nonactive interest, 2022 dollars |
| ACTBUS |
Total value of actively managed business(es), 2022 dollars |
| NONACTBUS |
Value of non-actively managed business(es), 2022 dollars |
| OTHNFIN |
Total value of other nonfinancial assets held by household, 2022 dollars |
| DEQ |
Total value of equity in directly held stocks, stock mutual funds, and combination mutual funds held by household, 2022 dollars |
| EQUITY |
Total value of financial assets held by household that are invested in stock, 2022 dollars |
| HOMEEQ |
Total value of equity in primary residence of household, 2022 dollars |
| BUSVEH |
Household has vehicle(s) owned by business |
| NBUSVEH |
Total number of business vehicles held by household |
| VLEASE |
Total value of leased vehicles held by household, 2022 dollars |
| PENACCTWD |
Withdrawals from IRAs and tax-deferred pension accounts, 2022 dollars |
| MMDA |
money maket deposit accounts, 2022 dollars |
| MMMF |
money market mutual funds, 2022 dollars |
| STMUTF |
amount in stock mutual funds, 2022 dollars |
| TFBMUTF |
amount in tax-free bond mutual funds, 2022 dollars |
| GBMUTF |
amount in government bond mutual funds, 2022 dollars |
| OBMUTF |
amount in other bond mutual funds, 2022 dollars |
| COMUTF |
amount in combination and other mutual funds, 2022 dollars |
| OMUTF |
amount in other mutual funds, 2022 dollars |
| HSTOCKS |
have stocks? |
| NSTOCKS |
number different companies in which hold stock |
| WILSH |
Wilshire index of stock prices |
| NOTXBND |
tax-exempt bonds (state and local bonds), 2022 dollars |
| MORTBND |
mortgage-backed bonds, 2022 dollars |
| GOVTBND |
US government and government agency bonds and bills, 2022 dollars |
| OBND |
corporate and foreign bonds, 2022 dollars |
| FUTPEN |
future pensions (accumulated in an account for the R/S), 2022 dollars |
| CURRPEN |
current value in pension, 2022 dollars |
| THRIFT |
Total value of account-type pension plans from R and spouse's current job, 2022 dollars |
| IRAKH |
Total value of IRA/Keogh accounts, 2022 dollars |
| DBPLANCJ |
Either reference person or spouse/partner has a defined benefit pension on a current job |
| DBPLANT |
Either reference person or spouse/partner has DB plan on current job or some type of pension from a past job to be received in the future |
| DCPLANCJ |
Either reference person or spouse/partner has any type of account-based plan on a current job |
| BPLANCJ |
Either reference person or spouse/partner has both types of pension plan on a current job |
| ANNUIT |
Amount R would receive if they cashed in annuities, 2022 dollars |
| TRUSTS |
Amount R would receive if they cashed in trusts, 2022 dollars |
| EQUITINC |
ratio of equity to normal income |
| HBROK |
have a brokerage account |
| HTRAD |
traded in the past year |
| NTRAD |
number of trades per year |
| OWN |
have an owned vehicle |
| NOWN |
number of owned vehicles |
| LEASE |
have leased vehicle |
| NLEASE |
number of leased vehicles |
| NVEHIC |
total number of vehicles (owned and leased) |
| NEWCAR1 |
number of car/truck/SUV with model year no older than two years before the survey |
| NEWCAR2 |
number of car/truck/SUV with model year no older than one year before the survey |
| FARMBUS |
compute value of business part of farm net of outstanding mortgages, 2022 dollars |
| NHNFIN |
total nonfinancial assets excluding principal residences, 2022 dollars |
| DEBTS |
| HDEBT |
Household has any debt |
| DEBT |
Total value of debt held by household, 2022 dollars |
| LATE |
Household had any late debt payments in last year |
| LATE60 |
Household had any debt payments more than 60 days past due in last year |
| HPAYDAY |
Household had a payday loan within the past year |
| MRTHEL |
Total value of debt seucred by the primary residence held by household, 2022 dollars |
| NH_MORT |
Total value of mortgages and home equity loans secured by the primary residence held by household, 2022 dollars |
| HMORT2 |
Have junior lien mortgage not used for purchase of primary residence |
| HPRIM_MORT |
Have first lien mortgage on primary residence |
| HSEC_MORT |
Have junior lien mortgage on primary residence |
| PURCH1 |
First lien on primary residence used for purchase of primary residence |
| PURCH2 |
Junior lien on primary residence used for purchase of primary residence |
| REFIN_EVER |
Refinanced first lien mortgage on primary residence |
| HELOC |
Total value of home equity lines of credit secured by the primary residence held by the household, 2022 dollars |
| HELOC_YN |
Currently borrowing on home equity line of credit |
| RESDBT |
Total value of debt for other residential property held by households, 2022 dollars |
| OTHLOC |
Total value of other lines of credit held by household, 2022 dollars |
| CCBAL |
Total value of credit card balances held by household, 2022 dollars |
| INSTALL |
Total value of installment loans held by household, 2022 dollars |
| EDN_INST |
Total value of education loans held by household, 2022 dollars |
| VEH_INST |
Total value of vehicle loans held by household, 2022 dollars |
| OTH_INST |
Total value of other installment loans held by household, 2022 dollars |
| ODEBT |
Total value of other debts held by household, 2022 dollars |
| LLOAN1 |
Total balance of household loans where the lender is a commercial bank, 2022 dollars |
| LLOAN2 |
Total balance of household loans where the lender is saving and loan, 2022 dollars |
| LLOAN3 |
Total balance of household loans where the lender is credit union, 2022 dollars |
| LLOAN4 |
Total balance of household loans where the lender is finance, loan or leasing company, or inc debt consolidator, 2022 dollars |
| LLOAN5 |
Total balance of household loans where the lender is a brokerage and/or life insurancer, 2022 dollars |
| LLOAN6 |
Total balance of household loans where the lender is a real estate company, 2022 dollars |
| LLOAN7 |
Total balance of household loans where the lender is an individual, 2022 dollars |
| LLOAN8 |
Total balance of household loans where the lender is an other nonfinancial, 2022 dollars |
| LLOAN9 |
Total balance of household loans where the lender is government, 2022 dollars |
| LLOAN10 |
Total balance of household loans where the lender is a store and/or a credit card, 2022 dollars |
| LLOAN11 |
Total balance of household loans where the lender is a pension, 2022 dollars |
| LLOAN12 |
Total balance of household loans where the lender is other, unclassifiable, or foreign, 2022 dollars |
| PLOAN1 |
Total value of aggregate loan balance by loan purpose: home purchase, cottage, vacation property, 2022 dollars |
| PLOAN2 |
Total value of aggregate loan balance by loan purpose: home improvement, 2022 dollars |
| PLOAN3 |
Total value of aggregate loan balance by loan purpose: vehicles, 2022 dollars |
| PLOAN4 |
Total value of aggregate loan balance by loan purpose: goods and services, 2022 dollars |
| PLOAN5 |
Total value of aggregate loan balance by loan purpose: investments and mortgage loans for other real estate, 2022 dollars |
| PLOAN6 |
Total value of aggregate loan balance by loan purpose: education and professional expenses, 2022 dollars |
| PLOAN7 |
Total value of aggregate loan balance by loan purpose: other unclassifiable loans, 2022 dollars |
| PLOAN8 |
Total value of aggregate loan balance by loan purpose: not used in public data, 2022 dollars |
| MORT1 |
Amount owed on mortgage 1, 2022 dollars |
| MORT2 |
Amount owed on mortgage 2, 2022 dollars |
| MORT3 |
Amount owed on mortgage 3, 2022 dollars |
| RENT |
Monthly rent, 2022 dollars |
| BNPL |
Amount owed for Buy Now, Pay Later programs, 2022 dollars |
| NOBNPL |
Respondent does not use Buy Now, Pay Later |
| RATIOS |
| PIRMORT |
ratio of monthly mortgage payments to monthly income |
| PIRCONS |
ratio of monthly non-mortgage non-revolving consumer debt payments to monthly income |
| PIRREV |
ratio of monthly revolving debt payments to monthly income |
| PIRTOTAL |
Ratio of monthly debt payments to monthly income |
| PIR40 |
Household has a PIR higher than 40% |
| DEBT2INC |
Ratio of total debt to total income |
| LEVRATIO |
Ratio of total debt to total assets |
| DEBT PAYMENTS |
| PAYMORT1 |
payments on first mortgage, 2022 dollars |
| PAYMORT2 |
payments on second mortgage, 2022 dollars |
| PAYMORT3 |
payments on third mortgage, 2022 dollars |
| PAYMORTO |
payments on other loans, 2022 dollars |
| PAYLOC1 |
payments on first line of credit, 2022 dollars |
| PAYLOC2 |
payments on second line of credit, 2022 dollars |
| PAYLOC3 |
payments on third line of credit, 2022 dollars |
| PAYLOCO |
payments on other lines of credit, 2022 dollars |
| PAYHI1 |
payments on first home improvement loan, 2022 dollars |
| PAYHI2 |
payments on second home improvement loan, 2022 dollars |
| PAYLC1 |
payments on first land contract, 2022 dollars |
| PAYLC2 |
payments on second land contract, 2022 dollars |
| PAYLCO |
payments on other land contracts, 2022 dollars |
| PAYORE1 |
payments on first other resdential property, 2022 dollars |
| PAYORE2 |
payments on second other resdential property, 2022 dollars |
| PAYORE3 |
payments on third other resdential property, 2022 dollars |
| PAYOREV |
payments on remaining other resdential properties, 2022 dollars |
| PAYVEH1 |
payments on first vehicle, 2022 dollars |
| PAYVEH2 |
payments on second vehicle, 2022 dollars |
| PAYVEH3 |
payments on third vehicle, 2022 dollars |
| PAYVEH4 |
payments on fourth vehicle, 2022 dollars |
| PAYVEHM |
payments on remaining vehicles, 2022 dollars |
| PAYVEO1 |
payment on first other vehicle, 2022 dollars |
| PAYVEO2 |
payment on second other vehicle, 2022 dollars |
| PAYVEOM |
payment on remaining other vehicles, 2022 dollars |
| PAYEDU1 |
payments on first education loan, 2022 dollars |
| PAYEDU2 |
payments on second education loan, 2022 dollars |
| PAYEDU3 |
payments on third education loan, 2022 dollars |
| PAYEDU4 |
payments on fourth education loan, 2022 dollars |
| PAYEDU5 |
payments on fifth education loan, 2022 dollars |
| PAYEDU6 |
payments on sixth education loan, 2022 dollars |
| PAYEDU7 |
payments on seventh education loan, 2022 dollars |
| PAYILN1 |
payments on first installment loan, 2022 dollars |
| PAYILN2 |
payments on second installment loan, 2022 dollars |
| PAYILN3 |
payments on third installment loan, 2022 dollars |
| PAYILN4 |
payments on fourth installment loan, 2022 dollars |
| PAYILN5 |
payments on fifth installment loan, 2022 dollars |
| PAYILN6 |
payments on sixth installment loan, 2022 dollars |
| PAYILN7 |
payments on seventh installment loan, 2022 dollars |
| PAYMARG |
payments on margin loans, 2022 dollars |
| PAYINS |
payments on loans against insurance policies, 2022 dollars |
| PAYPEN1 |
payments on loan against first pension plan not previously reported, 2022 dollars |
| PAYPEN2 |
payments on loan against second pension plan not previously reported, 2022 dollars |
| PAYPEN3 |
payments on loan against third pension plan not previously reported, 2022 dollars |
| PAYPEN4 |
payments on loan against fourth pension plan not previously reported, 2022 dollars |
| PAYPEN5 |
payments on loan against fifth pension plan not previously reported, 2022 dollars |
| PAYPEN6 |
payments on loan against sixth pension plan not previously reported, 2022 dollars |
| REVPAY |
total monthly revolving debt payments, 2022 dollars |
| MORTPAY |
total monthly mortgage payments, 2022 dollars |
| CONSPAY |
total monthly consumer debt payments, 2022 dollars |
| TPAY |
Total value of monthly debt payments, 2022 dollars |
| SHOPPING PATTERNS |
| BSHOPGRDL |
Shopping for borrowing and credit: great deal of shopping |
| BSHOPMODR |
Shopping for borrowing and credit: moderate shopping |
| BSHOPNONE |
Shopping for borrowing and credit: almost no shopping |
| ISHOPGRDL |
Shopping for saving and investments: great deal of shopping |
| ISHOPMODR |
Shopping for saving and investments: moderate shopping |
| ISHOPNONE |
Shopping for saving and investments: almost no shopping |
| BCALL |
Information used for borrowing decisions: call around |
| BDONT |
Information used for borrowing decisions: never borrow |
| BFINPLAN |
Information used for borrowing decisions: lawyer, accountant, financial planner |
| BFINPRO |
Information used for borrowing decisions: banker, broker, real estate broker, builder, dealer, insurance agent |
| BFRIENDWORK |
Information used for borrowing decisions: friends, material from work/business contacts |
| BINTERNET |
Information used for borrowing decisions: internet/online service |
| BMAGZNEWS |
Information used for borrowing decisions: magazines, newspapers, books |
| BMAILADTV |
Information used for borrowing decisions: material in mail, tv, radio, advertisements, telemarketer |
| BSELF |
Information used for borrowing decisions: self, shop around, other personal research |
| BOTHER |
Information used for borrowing decisions: other sources |
| ICALL |
Information used for investing decisions: call around |
| IDONT |
Information used for investing decisions: never borrow |
| IFINPLAN |
Information used for investing decisions: lawyer, accountant, financial planner |
| IFINPRO |
Information used for investing decisions: banker, broker, real estate broker, builder, dealer, insurance agent |
| IFRIENDWORK |
Information used for investing decisions: friends, material from work/business contacts |
| IINTERNET |
Information used for investing decisions: internet/online service |
| IMAGZNEWS |
Information used for investing decisions: magazines, newspapers, books |
| IMAILADTV |
Information used for investing decisions: material in mail, tv, radio, advertisements, telemarketer |
| ISELF |
Information used for investing decisions: self, shop around, other personal research |
| IOTHER |
Information used for investing decisions: other sources |
| INTERNET |
Do business with financial institution via the Internet |
| ATTITUDINAL |
| KNOWL |
Respondent's knowledge of personal finances |
| FINLIT |
Number of financial literacy questions answered correctly |
| YESFINRISK |
Respondent willing to take financial risk |
| NOFINRISK |
Respondent not willing to take financial risk |
| CKCONNECTN |
Why chose main checking account institution: connection through work/school |
| CKCONVPAYRL |
Why chose main checking account institution: other convenience, payroll deduction/direct deposit |
| CKLOCATION |
Why chose main checking account institution: location of their offices |
| CKLONGTIME |
Why chose main checking account institution: always done business there, banked there a long time |
| CKLOWFEEBAL |
Why chose main checking account institution: had the lowest fees/minimum balance requirement |
| CKMANYSVCS |
Why chose main checking account institution: able to obtain many services at one place |
| CKPERSONAL |
Why chose main checking account institution: personal relationship |
| CKRECOMFRND |
Why chose main checking account institution: recommended, friend/family has account there |
| CKSAFETY |
Why chose main checking account institution: offered safety and absence of risk |
| CKOTHCHOOSE |
Why chose main checking account institution: other reason |
| MINBAL |
Why no checking account: minimum balance is too high |
| CANTMANG |
Why no checking account: can't manage/balance a checking account |
| CREDIT |
Why no checking account: credit problems, bankruptcy, does not meet qualifications for an account |
| DONTLIKE |
Why no checking account: don't like dealing with banks |
| DONTWANT |
Why no checking account: does not want/need a checking account |
| DONTWRIT |
Why no checking account: don�t write enough checks to make it worthwhile |
| NOMONEY |
Why no checking account: don't have (enough) money |
| SVCCHG |
Why no checking account: service changes are too high |
| OTHER |
Why no checking account: other |
| WHYNOCKG |
Reason household does not have a checking account |
| SAVRES1 |
Reason for saving: can't save |
| SAVRES2 |
Reason for saving: education |
| SAVRES3 |
Reason for saving: family |
| SAVRES4 |
Reason for saving: home |
| SAVRES5 |
Reason for saving: purchases |
| SAVRES6 |
Reason for saving: retirement |
| SAVRES7 |
Reason for saving: liquidity/the future |
| SAVRES8 |
Reason for saving: investment |
| SAVRES9 |
Reason for saving: no particular reason |
| SAVED |
Indicator of whether the household saved over the past 12 months |
| WSAVED |
spent more/same/less than income in past year |
| SPENDMOR |
R would spend more if assets appreciated in value |
| SPENDLESS |
R would spend less if assets depreciated in value |
| EHCHKG |
people w/o checking accounts: ever had an account? |
| INCOME |
| INCOME |
Total amount of income of household, 2022 dollars |
| INCCAT |
Income percentile groups |
| INCPCTLECAT |
Alternate income percentile groups |
| INCQRTCAT |
Income quartile groups |
| NORMINC |
Household normal income, 2022 dollars |
| NINCCAT |
Normal income percentile groups |
| NINCPCTLECAT |
Alternate Normal income percentile groups |
| NINCQRTCAT |
Normal income quartile groups |
| BUSSEFARMINC |
Income from business, sole proprietorship, and farm, 2022 dollars |
| INTDIVINC |
Interest (taxable and nontaxable) and dividend income, 2022 dollars |
| SSRETINC |
Social security and pension income, 2022 dollars |
| TRANSFOTHINC |
Unemployment, alimony/child support, TANF/food stamps/SSI, and other income, 2022 dollars |
| WAGEINC |
Wage and salary income, 2022 dollars |
| KGINC |
Capital gain or loss income, 2022 dollars |
| CAPITAL GAINS |
| KGINC |
Capital gain or loss income, 2022 dollars |
| KGBUS |
Unrealized capital gains or losses on businesses, 2022 dollars |
| KGHOUSE |
Unrealized capital gains or losses on the primary residence, 2022 dollars |
| KGORE |
Unrealized capital gains or losses on other real estate, 2022 dollars |
| KGSTMF |
Unrealized capital gains or losses on stocks and mutual funds, 2022 dollars |
| KGTOTAL |
Total unrealized capital gains or losses for the household, 2022 dollars |
| FARMBUS_KG |
capital gains on farm businesses, 2022 dollars |
| NETWORTH |
| NETWORTH |
Total net worth of household, 2022 dollars |
| NWCAT |
Net worth percentile groups |
| NWPCTLECAT |
Alternate net worth percentile groups |
| EXPENDITURES |
| FOODHOME |
Total amount spent on food at home, annualized, 2022 dollars |
| FOODDELV |
Total amount spent on food delivered to home, annualized, 2022 dollars |
| FOODAWAY |
Total amount spent on food away from home, annualized, 2022 dollars |
| HYPOTHETICAL FINANCIAL EMERGENCY RESPONSES |
| EMERGBORR |
Respondent would borrow money in a hypothetical financial emergency |
| HBORRFF |
Respondent would borrow money from friends or family in a hypothetical financial emergency |
| HBORRCC |
Respondent would borrow money using a credit card in a hypothetical financial emergency |
| HBORRALT |
Respondent would borrow money from alternative sources in a hypothetical financial emergency |
| HBORRFIN |
Respondent would borrow money from financial services in a hypothetical financial emergency |
| EMERGSAV |
Respondent would spend out of savings in a hypothetical financial emergency |
| HSAVFIN |
Respondent would spend out of financial sources in a hypothetical financial emergency |
| HSAVNFIN |
Respondent would spend out of non-financial sources in a hypothetical financial emergency |
| EMERGPSTP |
Respondent would postpone payments in a hypothetical financial emergency |
| HPSTPPAY |
Respondent would postpone payments for purchases in a hypothetical financial emergency |
| HPSTPLN |
Respondent would postpone payments on loans in a hypothetical financial emergency |
| HPSTPOTH |
Respondent would postpone other payments in a hypothetical financial emergency |
| EMERGCUT |
Respondent would cut back spending in a hypothetical financial emergency |
| HCUTFOOD |
Respondent would cut back on food purchases in a hypothetical financial emergency |
| HCUTENT |
Respondent would postpone payments for entertainment in a hypothetical financial emergency |
| HCUTOTH |
Respondent would postpone other payments in a hypothetical financial emergency |
| EMERGWORK |
Respondent would work more in a hypothetical financial emergency |