| 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 head of household |
| AGECL | Age group of the head of household |
| HHSEX | Gender of household head |
| EDCL | Education category of head of household |
| EDUC | Highest completed grade by head of household |
| FAMSTRUCT | Family structure of household |
| HOUSECL | Home-ownership category of household |
| KIDS | Total number of children in household |
| MARRIED | Marital status of head of household |
| NOCHK | Household has no checking account |
| OCCAT1 | Occupation categories for head of household |
| OCCAT2 | Occupation classification for head of household |
| RACE | Race/ethnicity of respondent |
| RACECL | Class of race of respondent |
| RACECL4 | Alternate class of race of respondent |
| LIFECL | Life cycle of head of household |
| LF | Labor force participation of head of household |
| INDCAT | Industry classifications for head |
| 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, 2016 dollars |
| ASSETCAT | Asset percentile groups |
| FIN | Total value of financial assets held by household, 2016 dollars |
| HLIQ | Household has any checking, savings, money market or call accounts |
| LIQ | Total value of all types of transactions accounts, 2016 dollars |
| MMA | Total value of money market deposit and money market mutual fund accounts, 2016 dollars |
| CHECKING | Total value of checking accounts held by household, 2016 dollars |
| SAVING | Total value of savings accounts held by household, 2016 dollars |
| CALL | Total value of call accounts held by household, 2016 dollars |
| CDS | Total value of certificates of deposit held by household, 2016 dollars |
| PREPAID | Amount in prepaid card accounts, 2016 dollars |
| NMMF | Total value of directly held pooled investment funds held by household, 2016 dollars |
| SAVBND | Total value of savings bonds held by household, 2016 dollars |
| STOCKS | Total value of directly held stocks held by household, 2016 dollars |
| BOND | Total value of directly held bonds held by household, 2016 dollars |
| CASHLI | Total cash value of whole life insurance held by household, 2016 dollars |
| OTHMA | Total value of other managed assets held by household, 2016 dollars |
| RETQLIQ | Total value of quasi-liquid held by household, 2016 dollars |
| RETEQ | Total value of equity in quasi-liquid retirement assets, 2016 dollars |
| ANYPEN | Pension exists for either head of household or spouse |
| OTHFIN | Total value of other financial assets, 2016 dollars |
| NFIN | Total value of nonfinancial assets held by household, 2016 dollars |
| VEHIC | Total value of all vehicles held by household, 2016 dollars |
| HOUSES | Total value of primary residence of household, 2016 dollars |
| ORESRE | Total value of other residential real estate held by household, 2016 dollars |
| NNRESRE | Total value of net equity in nonresidential real estate held by household, 2016 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, 2016 dollars |
| ACTBUS | Total value of actively managed business(es), 2016 dollars |
| NONACTBUS | Value of non-actively managed business(es), 2016 dollars |
| OTHNFIN | Total value of other nonfinancial assets held by household, 2016 dollars |
| DEQ | Total value of equity in directly held stocks, stock mutual funds, and combination mutual funds held by household, 2016 dollars |
| EQUITY | Total value of financial assets held by household that are invested in stock, 2016 dollars |
| HOMEEQ | Total value of equity in primary residence of household, 2016 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, 2016 dollars |
| PENACCTWD | Withdrawals from IRAs and tax-deferred pension accounts, 2016 dollars |
| MMDA | money maket deposit accounts, 2016 dollars |
| MMMF | money market mutual funds, 2016 dollars |
| STMUTF | amount in stock mutual funds, 2016 dollars |
| TFBMUTF | amount in tax-free bond mutual funds, 2016 dollars |
| GBMUTF | amount in government bond mutual funds, 2016 dollars |
| OBMUTF | amount in other bond mutual funds, 2016 dollars |
| COMUTF | amount in combination and other mutual funds, 2016 dollars |
| OMUTF | amount in other mutual funds, 2016 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), 2016 dollars |
| MORTBND | mortgage-backed bonds, 2016 dollars |
| GOVTBND | US government and government agency bonds and bills, 2016 dollars |
| OBND | corporate and foreign bonds, 2016 dollars |
| FUTPEN | future pensions (accumulated in an account for the R/S), 2016 dollars |
| CURRPEN | current value in pension, 2016 dollars |
| THRIFT | Total value of account-type pension plans from R and spouse's current job, 2016 dollars |
| IRAKH | Total value of IRA/Keogh accounts, 2016 dollars |
| DBPLANCJ | Either head or spouse/partner has a defined benefit pension on a current job |
| DBPLANT | Either head 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 head or spouse/partner has any type of account-based plan on a current job |
| BPLANCJ | Either head or spouse/partner has both types of pension plan on a current job |
| ANNUIT | Amount R would receive if they cashed in annuities, 2016 dollars |
| TRUSTS | Amount R would receive if they cashed in trusts, 2016 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, 2016 dollars |
| NHNFIN | total nonfinancial assets excluding principal residences, 2016 dollars |
| DEBTS | |
| HDEBT | Household has any debt |
| DEBT | Total value of debt held by household, 2016 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, 2016 dollars |
| NH_MORT | Total value of mortgages and home equity loans secured by the primary residence held by household, 2016 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, 2016 dollars |
| HELOC_YN | Currently borrowing on home equity line of credit |
| RESDBT | Total value of debt for other residential property held by households, 2016 dollars |
| OTHLOC | Total value of other lines of credit held by household, 2016 dollars |
| CCBAL | Total value of credit card balances held by household, 2016 dollars |
| INSTALL | Total value of installment loans held by household, 2016 dollars |
| EDN_INST | Total value of education loans held by household, 2016 dollars |
| VEH_INST | Total value of vehicle loans held by household, 2016 dollars |
| OTH_INST | Total value of other installment loans held by household, 2016 dollars |
| ODEBT | Total value of other debts held by household, 2016 dollars |
| LLOAN1 | Total balance of household loans where the lender is a commercial bank, 2016 dollars |
| LLOAN2 | Total balance of household loans where the lender is saving and loan, 2016 dollars |
| LLOAN3 | Total balance of household loans where the lender is credit union, 2016 dollars |
| LLOAN4 | Total balance of household loans where the lender is finance, loan or leasing company, or inc debt consolidator, 2016 dollars |
| LLOAN5 | Total balance of household loans where the lender is a brokerage and/or life insurancer, 2016 dollars |
| LLOAN6 | Total balance of household loans where the lender is a real estate company, 2016 dollars |
| LLOAN7 | Total balance of household loans where the lender is an individual, 2016 dollars |
| LLOAN8 | Total balance of household loans where the lender is an other nonfinancial, 2016 dollars |
| LLOAN9 | Total balance of household loans where the lender is government, 2016 dollars |
| LLOAN10 | Total balance of household loans where the lender is a store and/or a credit card, 2016 dollars |
| LLOAN11 | Total balance of household loans where the lender is a pension, 2016 dollars |
| LLOAN12 | Total balance of household loans where the lender is other, unclassifiable, or foreign, 2016 dollars |
| PLOAN1 | Total value of aggregate loan balance by loan purpose: home purchase, cottage, vacation property, 2016 dollars |
| PLOAN2 | Total value of aggregate loan balance by loan purpose: home improvement, 2016 dollars |
| PLOAN3 | Total value of aggregate loan balance by loan purpose: vehicles, 2016 dollars |
| PLOAN4 | Total value of aggregate loan balance by loan purpose: goods and services, 2016 dollars |
| PLOAN5 | Total value of aggregate loan balance by loan purpose: investments and mortgage loans for other real estate, 2016 dollars |
| PLOAN6 | Total value of aggregate loan balance by loan purpose: education and professional expenses, 2016 dollars |
| PLOAN7 | Total value of aggregate loan balance by loan purpose: other unclassifiable loans, 2016 dollars |
| PLOAN8 | Total value of aggregate loan balance by loan purpose: not used in public data, 2016 dollars |
| MORT1 | Amount owed on mortgage 1, 2016 dollars |
| MORT2 | Amount owed on mortgage 2, 2016 dollars |
| MORT3 | Amount owed on mortgage 3, 2016 dollars |
| 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, 2016 dollars |
| PAYMORT2 | payments on second mortgage, 2016 dollars |
| PAYMORT3 | payments on third mortgage, 2016 dollars |
| PAYMORTO | payments on other loans, 2016 dollars |
| PAYLOC1 | payments on first line of credit, 2016 dollars |
| PAYLOC2 | payments on second line of credit, 2016 dollars |
| PAYLOC3 | payments on third line of credit, 2016 dollars |
| PAYLOCO | payments on other lines of credit, 2016 dollars |
| PAYHI1 | payments on first home improvement loan, 2016 dollars |
| PAYHI2 | payments on second home improvement loan, 2016 dollars |
| PAYLC1 | payments on first land contract, 2016 dollars |
| PAYLC2 | payments on second land contract, 2016 dollars |
| PAYLCO | payments on other land contracts, 2016 dollars |
| PAYORE1 | payments on first other resdential property, 2016 dollars |
| PAYORE2 | payments on second other resdential property, 2016 dollars |
| PAYORE3 | payments on third other resdential property, 2016 dollars |
| PAYOREV | payments on remaining other resdential properties, 2016 dollars |
| PAYVEH1 | payments on first vehicle, 2016 dollars |
| PAYVEH2 | payments on second vehicle, 2016 dollars |
| PAYVEH3 | payments on third vehicle, 2016 dollars |
| PAYVEH4 | payments on fourth vehicle, 2016 dollars |
| PAYVEHM | payments on remaining vehicles, 2016 dollars |
| PAYVEO1 | payment on first other vehicle, 2016 dollars |
| PAYVEO2 | payment on second other vehicle, 2016 dollars |
| PAYVEOM | payment on remaining other vehicles, 2016 dollars |
| PAYEDU1 | payments on first education loan, 2016 dollars |
| PAYEDU2 | payments on second education loan, 2016 dollars |
| PAYEDU3 | payments on third education loan, 2016 dollars |
| PAYEDU4 | payments on fourth education loan, 2016 dollars |
| PAYEDU5 | payments on fifth education loan, 2016 dollars |
| PAYEDU6 | payments on sixth education loan, 2016 dollars |
| PAYEDU7 | payments on seventh education loan, 2016 dollars |
| PAYILN1 | payments on first installment loan, 2016 dollars |
| PAYILN2 | payments on second installment loan, 2016 dollars |
| PAYILN3 | payments on third installment loan, 2016 dollars |
| PAYILN4 | payments on fourth installment loan, 2016 dollars |
| PAYILN5 | payments on fifth installment loan, 2016 dollars |
| PAYILN6 | payments on sixth installment loan, 2016 dollars |
| PAYILN7 | payments on seventh installment loan, 2016 dollars |
| PAYMARG | payments on margin loans, 2016 dollars |
| PAYINS | payments on loans against insurance policies, 2016 dollars |
| PAYPEN1 | payments on loan against first pension plan not previously reported, 2016 dollars |
| PAYPEN2 | payments on loan against second pension plan not previously reported, 2016 dollars |
| PAYPEN3 | payments on loan against third pension plan not previously reported, 2016 dollars |
| PAYPEN4 | payments on loan against fourth pension plan not previously reported, 2016 dollars |
| PAYPEN5 | payments on loan against fifth pension plan not previously reported, 2016 dollars |
| PAYPEN6 | payments on loan against sixth pension plan not previously reported, 2016 dollars |
| REVPAY | total monthly revolving debt payments, 2016 dollars |
| MORTPAY | total monthly mortgage payments, 2016 dollars |
| CONSPAY | total monthly consumer debt payments, 2016 dollars |
| TPAY | Total value of monthly debt payments, 2016 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, 2016 dollars |
| INCCAT | Income percentile groups |
| INCPCTLECAT | Alternate income percentile groups |
| NORMINC | Household normal income, 2016 dollars |
| NINCCAT | Normal income percentile groups |
| NINCPCTLECAT | Alternate Normal income percentile groups |
| BUSSEFARMINC | Income from business, sole proprietorship, and farm, 2016 dollars |
| INTDIVINC | Interest (taxable and nontaxable) and dividend income, 2016 dollars |
| SSRETINC | Social security and pension income, 2016 dollars |
| TRANSFOTHINC | Unemployment, alimony/child support, TANF/food stamps/SSI, and other income, 2016 dollars |
| WAGEINC | Wage and salary income, 2016 dollars |
| KGINC | Capital gain or loss income, 2016 dollars |
| CAPITAL GAINS | |
| KGINC | Capital gain or loss income, 2016 dollars |
| KGBUS | Unrealized capital gains or losses on businesses, 2016 dollars |
| KGHOUSE | Unrealized capital gains or losses on the primary residence, 2016 dollars |
| KGORE | Unrealized capital gains or losses on other real estate, 2016 dollars |
| KGSTMF | Unrealized capital gains or losses on stocks and mutual funds, 2016 dollars |
| KGTOTAL | Total unrealized capital gains or losses for the household, 2016 dollars |
| FARMBUS_KG | capital gains on farm businesses, 2016 dollars |
| NETWORTH | |
| NETWORTH | Total net worth of household, 2016 dollars |
| NWCAT | Net worth percentile groups |
| NWPCTLECAT | Alternate net worth percentile groups |
| EXPENDITURES | |
| FOODHOME | Total amount spent on food at home, annualized, 2016 dollars |
| FOODDELV | Total amount spent on food delivered to home, annualized, 2016 dollars |
| FOODAWAY | Total amount spent on food away from home, annualized, 2016 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 |