CaseID 2021
CaseID from 2020 SHED Survey
CaseID from 2019 SHED Survey
Duration (in seconds)
Post-stratification weight - Main qualified respondents scaled to sample size (n
Post-stratification weight - Main qualified respondents scaled to U.S. populatio
Post-stratification weight - Main recontact respondents scaled to sample size (n
Post-stratification weight - Main recontact respondents scaled to U.S. populatio
Is R a KP laptop user?
My spouse or partner - First, do each of the following people currently live wit
My child(ren) under age 18 - First, do each of the following people currently li
My adult child(ren) age 18 or older - First, do each of the following people cur
My parent(s) - First, do each of the following people currently live with you?
Other individuals - First, do each of the following people currently live with y
Are the adult children (who are age 18 or older) who live with you:
Your brother(s) or sister(s) - Are the people living with you:
Other relatives - Are the people living with you:
Other people not related to you - Are the people living with you:
How many children do you have who are under age 18 and currently live with you?
1st child - How old are your children under age 18 who currently live with you?
2nd child - How old are your children under age 18 who currently live with you?
3rd child - How old are your children under age 18 who currently live with you?
4th child - How old are your children under age 18 who currently live with you?
5th child - How old are your children under age 18 who currently live with you?
6th child - How old are your children under age 18 who currently live with you?
To save money - Are each of the following reasons why you live with these indivi
To help them financially - Are each of the following reasons why you live with t
To provide help with childcare or medical care - Are each of the following reaso
To receive help with childcare or medical care - Are each of the following reaso
Prefer living with others - Are each of the following reasons why you live with
Enrolled in a public school - Are any of your children currently enrolled in Kin
Enrolled in a private school - Are any of your children currently enrolled in Ki
Home schooled - Are any of your children currently enrolled in Kindergarten thro
The local school’s safety measures are too strict - Do each of the following rea
I’m concerned about my child getting COVID-19 at school - Do each of the followi
Of your children enrolled in kindergarten through 12th grade, how is the younges
How would you prefer for your youngest school-age child to receive their educati
Do you think the school is taking not enough, about the right amount of, or too
They are doing well academically - Do you agree or disagree with each statement
They are doing well socially and emotionally - Do you agree or disagree with eac
They like school - Do you agree or disagree with each statement about your child
They were prepared academically to start the school year - Do you agree or disag
Academically - Compared to a year ago, would you say your child is doing better,
Socially and emotionally - Compared to a year ago, would you say your child is d
At any point since the start of the school year, has your child/children been un
Take paid leave - As a result of your child being unable to attend school or chi
Take unpaid leave or work fewer hours - As a result of your child being unable t
Overall, which one of the following best describes how well you are managing fin
Compared to 12 months ago, would you say that you (and your family) are better o
Compared to two years ago (2019), would you say that you (and your family) are b
Think of your parents when they were your age. Would you say you (and your famil
In your community - How would you rate economic conditions today:
In this country - How would you rate economic conditions today:
Overall, on a scale from zero to ten, where zero is not at all satisfied and ten
Last month, did you do any work for either pay or profit?
At any time during the past month, did you want to work [more hours]?
Could not find work - Did each of the following contribute to you not working la
Childcare - Did each of the following contribute to you not working last month?
Other family or personal obligations - Did each of the following contribute to y
Would lose access to unemployment benefits or other government programs - Did ea
Concerned about getting COVID-19 - Did each of the following contribute to you n
Health limitations or disability - Did each of the following contribute to you n
In school or training - Did each of the following contribute to you not working
Retired - Did each of the following contribute to you not working last month?
Think about your main job (the job from which you earned the most income in the
Still thinking about your main job, do you usually work:
Still thinking about your main job, do you normally start and end work around th
Approximately how far in advance does your employer usually tell you the hours t
A temporary job lasts for a limited time or until the end of a project. Is your
Thinking about precautions that your employer is taking to prevent the spread of
Which of the following best describes the COVID-19 vaccine and testing requireme
Do you want your employer to require that workers get vaccinated against COVID-1
Thinking about the work you did last week, how much of it did you do by telecomm
Could your work be done by telecommuting or working from home at least some of t
Given a choice, how much of the time would you like to telecommute or work from
Less time commuting - Are each of the following a reason that you want to teleco
More productive working at home - Are each of the following a reason that you wa
Concerns about COVID-19 - Are each of the following a reason that you want to te
Work-life balance - Are each of the following a reason that you want to telecomm
Able to live in a different area - Are each of the following a reason that you w
How likely would you be to actively look for another job or leave your job if yo
Is your main job the same as it was a year ago?
Pay or benefits - Are each of the following better, the same, or worse at the ma
Opportunities for advancement - Are each of the following better, the same, or w
Your interest in the work - Are each of the following better, the same, or worse
Physical demands of the job - Are each of the following better, the same, or wor
COVID-19 policies and exposure - Are each of the following better, the same, or
Work-life balance - Are each of the following better, the same, or worse at the
Overall, is the main job you have now better, the same, or worse than the one yo
In addition to your main job, did you have any other jobs last month?
Asked for a raise or a promotion - [ins_D44] In the past 12 months, have you:
Received a raise or a promotion - [ins_D44] In the past 12 months, have you:
Applied for a new job - [ins_D44] In the past 12 months, have you:
Started a new job - [ins_D44] In the past 12 months, have you:
Voluntarily left a job - [ins_D44] In the past 12 months, have you:
[ins_D44] In the past 12 months, have you gotten laid off or lost a job (includi
Last month, did your [ins_D5] do any work for either pay or profit?
Some people earn money by selling items at places like flea markets and garage s
made or repurposed, such as handmade crafts - Are the items you sold ones that y
purchased to resell for a profit - Are the items you sold ones that you:
previously owned for personal use, such as old clothing - Are the items you sold
Some people earn money by offering short-term rentals of items or property they
In the past month, have you done any freelance or gig-work, either to supplement
Which of the following best describes why you are [DOV_Gig]?
Did you spend at least 20 hours in the past month [DOV_Gig]?
Do you spend more, about the same, or less time [DOV_Gig] than you did a year ag
Do you think that you generally make more, about the same, or less per hour doin
In the past month, how much of your income was from [DOV_Gig]?
This section will ask some questions about your housing situation. Do you:
When did you move into your current home?
Do you live in the same state that you lived in before your move?
Extended family - Compared with where you lived before your move, would you say
Friends - Compared with where you lived before your move, would you say that you
Usual workplace outside your home - Compared with where you lived before your mo
Before your most recent move, did you own your previous home?
Evicted or received an eviction notice - Did each of the following contribute to
Landlord told you, or a person you were staying with, to leave - Did each of the
You missed a rent payment and thought you would be evicted - Did each of the fol
City condemned the property and forced you to leave - Did each of the following
Bank took possession of your home in foreclosure - Did each of the following con
Received a notice from bank that they planned to foreclose - Did each of the fol
Missed mortgage payments and thought bank would foreclose - Did each of the foll
About how much do you [ins_GH1] pay for rent each month?
Have you been behind on your rent at any time in the past year?
Do you still owe money for any back rent or fees?
Approximately how much do you owe in back rent and fees?
Did you apply for emergency rental assistance from any state or local programs s
Didn’t know about rental assistance - Are each of the following reasons why you
Didn’t know how or where to apply - Are each of the following reasons why you ha
Application process was too difficult - Are each of the following reasons why yo
Didn’t have time to apply - Are each of the following reasons why you have not a
Didn’t want or need help - Are each of the following reasons why you have not ap
Landlord would not participate - Are each of the following reasons why you have
What was the outcome of your application for emergency rental assistance?
Thinking back before the pandemic, at any point in 2019 were you behind on rent?
About how much is your total monthly mortgage payment (i.e. the amount you send
Have you refinanced your mortgage in the past year?
Income loss or work disruption - In the past year, have natural disasters or sev
Property damage - In the past year, have natural disasters or severe weather eve
Needed to evacuate temporarily - In the past year, have natural disasters or sev
Longer-term displacement from home - In the past year, have natural disasters or
Injury or death of family member or close friend - In the past year, have natura
Five years from now, do you think that the chance that you will experience a nat
Have natural disasters or the threat of natural disasters affected your choice o
Investigated other places to live - In the past year, have you done each of the
Improved property to reduce risk - In the past year, have you done each of the f
Purchased additional insurance - In the past year, have you done each of the fol
Do you [ins_GH1] currently have a checking, savings or money market account?
Purchase a money order from a place other than a bank - In the past 12 months, d
Cash a check at a place other than a bank - In the past 12 months, did you [ins_
Take out a payday loan or payday advance - In the past 12 months, did you [ins_G
Take out a pawn shop loan or an auto title loan - In the past 12 months, did you
Obtain a tax refund advance to receive your refund faster - In the past 12 month
Pay an overdraft fee on a bank account - In the past 12 months, did you [ins_GH1
If you were to apply for a credit card today, how confident are you that your ap
In the past 12 months, have you applied for any credit (such as a credit card, h
Was there a time in the past 12 months that you desired credit but chose not to
Turned down for credit - In the past 12 months, has each of the following happen
Approved for credit, but were not given as much credit as you applied for - In t
Put off applying for credit because you thought you might be turned down - In th
You indicated that you desired credit in the past 12 months but did not submit a
Do you currently have at least one credit card?
Do you currently have any outstanding unpaid credit card debt?
Do you currently have more, less, or about the same amount of credit card debt t
12 months ago, did you have any credit card debt that you have since paid off?
In the past 12 months, how frequently have you carried an unpaid balance on one
In the past year, have you used a “Buy Now Pay Later” service to buy something?
Currently, how many different purchases using a Buy Now Pay Later service are yo
In the past year, have you ever been late making a payment for something you bou
Cheaper - Thinking about the most recent time you used a Buy Now Pay Later servi
More convenient - Thinking about the most recent time you used a Buy Now Pay Lat
Only way I could afford it - Thinking about the most recent time you used a Buy
Only accepted payment method I had - Thinking about the most recent time you use
Did not want to use a credit card - Thinking about the most recent time you used
Other (please specify) - Thinking about the most recent time you used a Buy Now
What is the highest level of school you have completed or the highest degree you
Are you currently enrolled as a student?
What type of program are you currently pursuing?
Over the current semester, how have you been taking classes?
How would you prefer to take classes, given the current situation with the pande
Thinking about the precautions your school is taking to prevent the spread of CO
Have you ever enrolled in an educational degree program beyond high school?
Which one of the following broad categories best describes your [ins_ED1] educat
Overall, how would you say the lifetime financial benefits of your [ins_ED1] edu
Chosen a different field of study - If you could go back and make your education
Attended a different school - If you could go back and make your education decis
Not attended college or completed less education - If you could go back and make
Completed more education - If you could go back and make your education decision
Overall, how would you say the lifetime financial benefits of your [ins_DOV_ED]
Chosen a different field of study - If you could go back and make decisions rega
Attended a different school - If you could go back and make decisions regarding
Not attended college or completed  less education - If you could go back and mak
Completed more education - If you could go back and make decisions regarding you
Too expensive - Are each of the following a reason why you did not attend colleg
Childcare responsibilities - Are each of the following a reason why you did not
Needed to earn money or support family - Are each of the following a reason why
Preferred to work - Are each of the following a reason why you did not attend co
Did not think benefits of college were worth the cost - Are each of the followin
Illness or health issues - Are each of the following a reason why you did not at
Too expensive - Are each of the following a reason why you did not complete your
Preferred to work - Are each of the following a reason why you did not complete
Did not think the benefits of college were worth the cost - Are each of the foll
Illness or health issues - Are each of the following a reason why you did not co
Low grades - Are each of the following a reason why you did not complete your co
Do you currently have student loan debt or owe any money used to pay for your ow
Student loan - Think about the money you currently owe for your own education. I
Home equity loan - Think about the money you currently owe for your own educatio
Credit card - Think about the money you currently owe for your own education. Is
Other loan - Think about the money you currently owe for your own education. Is
Thinking specifically about the money that you owe for your own education, pleas
Approximately how much is the total monthly payment that you are required to mak
Are you behind on payments or in collections for one or more of the loans from y
Did you borrow money or take out any loans to pay for your own education that yo
Certificate or technical training - Still thinking about your own education, did
Associate degree - Still thinking about your own education, did you borrow money
Bachelor’s degree - Still thinking about your own education, did you borrow mone
Professional degree (e.g. MBA, MD, JD) - Still thinking about your own education
Master’s degree or doctoral degree - Still thinking about your own education, di
Do you currently owe any money used to pay for your [ins_SL10] education?
Do you currently owe any money used to pay for your child's or grandchild’s educ
Student loan - Is the money you owe for your child's or grandchild’s education a
Home equity loan - Is the money you owe for your child's or grandchild’s educati
Credit card - Is the money you owe for your child's or grandchild’s education a
Other loan - Is the money you owe for your child's or grandchild’s education a s
Do you consider yourself to be retired?
Do you think that your retirement savings plan is currently on track?
401(k), 403(b), Keogh, or other defined contribution plan through an employer -
Pension with a defined benefit through an employer that will pay a fixed monthly
IRA or Roth IRA - Do you currently have each of the following types of retiremen
Savings outside a retirement account - Do you currently have each of the followi
Own a business or real estate that will provide income in retirement - Do you cu
Other retirement savings - Do you currently have each of the following types of
When did you retire?
Health problem - Were each of the following important to your decision to retire
Wanted to do other things or spend time with family - Were each of the following
Didn’t like the work - Were each of the following important to your decision to
Care for family members - Were each of the following important to your decision
Reached normal retirement age - Were each of the following important to your dec
Forced to retire or lack of available work - Were each of the following importan
Did factors related to COVID-19 contribute to you retiring when you did?
Approximately how much money do you currently have saved for retirement?
How comfortable are you with making your own investment decisions in your retire
In the past 12 months, have you borrowed money from or cashed out (permanently w
Wages, salaries, or self-employment income - In the past 12 months, did you [IF
Interest, dividends, or rental income - In the past 12 months, did you [IF L0_a=
Social Security (including old age and DI) - In the past 12 months, did you [IF
Supplemental Security Income (SSI), TANF, or cash assistance from a welfare prog
Unemployment income - In the past 12 months, did you [IF L0_a=1, INSERT: and/or
Pension - In the past 12 months, did you [IF L0_a=1, INSERT: and/or your spouse
Did you[ins_GH1] receive any income from any source in the past 12 months?
Which of the following categories best describes the total income that you [and
Earned Income Tax Credit (EITC) - In the past 12 months, have you[ins_GH1] recei
Supplemental Nutrition Assistance Program (SNAP or food stamps) - In the past 12
Women, Infants, and Children (WIC) nutrition program benefits - In the past 12 m
Housing assistance from government program - In the past 12 months, have you [in
Free or reduced price school lunches - In the past 12 months, have you [ins_GH1]
In the past 12 months, which one of the following best describes your [ins_I9] i
Because your income varies, have you [ins_C3A] struggled to pay your bills in th
In the past month, would you say that your [ins_I9] total spending was:
Total monthly income - Compared to a year ago, have each of the following for yo
Total monthly spending - Compared to a year ago, have each of the following for
Employer - You indicated that you received income from unemployment insurance in
Union - You indicated that you received income from unemployment insurance in th
Friends or family - You indicated that you received income from unemployment ins
Internet research - You indicated that you received income from unemployment ins
News stories - You indicated that you received income from unemployment insuranc
Government agency - You indicated that you received income from unemployment ins
Have you received any monthly Child Tax Credit payments this year?
Paid off debt - How have you used the monthly Child Tax Credit payments that you
Saved it - How have you used the monthly Child Tax Credit payments that you rece
Spent on food - How have you used the monthly Child Tax Credit payments that you
Spent on enrichment or education for child - How have you used the monthly Child
Spent on other things for child - How have you used the monthly Child Tax Credit
Spent on rent, mortgage, or utilities - How have you used the monthly Child Tax
Spent on other things - How have you used the monthly Child Tax Credit payments
How did you use the largest portion of the monthly Child Tax Credit payments tha
Free groceries or meals through a food pantry, religious, or community organizat
Financial assistance from a religious or community organization - In the past ye
Financial assistance from friends or family members not living with you - In the
Do you provide regular financial support to anyone living outside of your househ
Do you own any individual stock in publicly traded companies directly (i.e., not
When did you first own individual stock in a publicly traded company?
Bought or held as an investment - In the past year, have you done the following
Used to buy something or make a payment - In the past year, have you done the fo
Used to send money to friends or family - In the past year, have you done the fo
Spend any money on state lotteries, for example, buying Mega Millions, Powerball
Participate in online sports gambling or online casino games? - In the past year
Participate in gambling in person, such as at horse tracks, card rooms, bingo pa
Have you set aside emergency or rainy day funds that would cover your expenses f
If you were to lose your main source of income (for example job or government be
Put it on my credit card and pay it off in full at the next statement - Suppose
Put it on my credit card and pay it off over time - Suppose that you have an eme
With the money currently in my checking/savings account or with cash - Suppose t
Using money from a bank loan or line of credit - Suppose that you have an emerge
By borrowing from a friend or family member - Suppose that you have an emergency
Using a payday loan, deposit advance, or overdraft - Suppose that you have an em
By selling something - Suppose that you have an emergency expense that costs $40
I wouldn’t be able to pay for the expense right now - Suppose that you have an e
Which best describes your ability to pay all of your bills in full this month?
How would a $400 emergency expense that you had to pay impact your ability to pa
Rent or mortgage - Are you expecting to be unable to pay or only make a partial
Credit card - Are you expecting to be unable to pay or only make a partial payme
Water, gas, or electric bill - Are you expecting to be unable to pay or only mak
Phone or cable bill - Are you expecting to be unable to pay or only make a parti
Car payment - Are you expecting to be unable to pay or only make a partial payme
Student loan - Are you expecting to be unable to pay or only make a partial paym
Other bills - Are you expecting to be unable to pay or only make a partial payme
Rent or mortgage - Which of the following bills would you likely skip paying, or
Credit card - Which of the following bills would you likely skip paying, or make
Water, gas, or electric bill - Which of the following bills would you likely ski
Phone or cable bill - Which of the following bills would you likely skip paying,
Car payment - Which of the following bills would you likely skip paying, or make
Student loan - Which of the following bills would you likely skip paying, or mak
Other bills - Which of the following bills would you likely skip paying, or make
Have you received at least one dose of a COVID-19 vaccine?
I am completely confident that the COVID-19 vaccine is safe - Please indicate th
The COVID-19 vaccine is effective - Please indicate the extent to which you eith
The COVID-19 vaccine is unnecessary for me - Please indicate the extent to which
For me, it is inconvenient to get the COVID-19 vaccine - Please indicate the ext
When I think about getting vaccinated, I weigh the benefits and risks to make th
My getting vaccinated protects other people with a weaker immune system - Please
Prescription medicine - During the past 12 months, was there a time when you nee
Seeing a doctor or specialist - During the past 12 months, was there a time when
Mental health care or counseling - During the past 12 months, was there a time w
Dental care - During the past 12 months, was there a time when you needed each o
Follow-up care - During the past 12 months, was there a time when you needed eac
During the past 12 months, have you had any unexpected major medical expenses th
Approximately how much did you pay out of pocket for unexpected major medical ex
Do you currently have any debt from medical care you or your family members have
Insurance through an employer or union - Are you currently covered by any of the
Insurance purchased directly from an insurance company - Are you currently cover
Medicare or Medicaid - Are you currently covered by any of the following types o
TRICARE, VA, or other military or veteran’s health care - Are you currently cove
Insurance purchased through a health insurance exchange - Are you currently cove
Any other health insurance - Are you currently covered by any of the following t
Do you or someone in your immediate family currently have any unpaid legal expen
During the past 12 months, have you personally experienced discrimination or unf
Working or applying for a job - In the past 12 months, did you personally experi
Banking or applying for a loan - In the past 12 months, did you personally exper
Interacting with the police or a government official - In the past 12 months, di
Receiving or scheduling medical care - In the past 12 months, did you personally
Renting or buying a home - In the past 12 months, did you personally experience
Shopping for goods or services, including restaurants - In the past 12 months, d
Other activities not listed (please specify) - In the past 12 months, did you pe
Race or ethnicity - In the past 12 months, did you personally experience discrim
Age - In the past 12 months, did you personally experience discrimination due to
Religion - In the past 12 months, did you personally experience discrimination d
Disability status - In the past 12 months, did you personally experience discrim
Gender - In the past 12 months, did you personally experience discrimination due
Sexual orientation - In the past 12 months, did you personally experience discri
What is the highest level of education that your mother completed?
What is the highest level of education that your father completed?
On a scale from zero to ten, where zero is not at all willing to take risks and
Do you think the following statement is true or false? “Buying a single company’
Imagine that the interest rate on your savings account was 1% per year and infla
Suppose you had $100 in a savings account and the interest rate was 2% per year.
Flag - received financial literacy questions with 'don't know' response option
Age
Age - 7 Categories
Age - 4 Categories
Education (5 Categories)
Education (4 Categories)
Current Employment Status
Race / Ethnicity
Gender
Household Size
Housing Type
Household Income
Marital Status
MSA Status
Region 4 - Based on State of Residence
Region 9 - Based on State of Residence
Ownership Status of Living Quarters
State
Presence of Household Members - Children 0-17
Presence of Household Members - Adults 18+
DOV: Device Type - at the end of survey
Q26: Occupation (detailed) in current or main job
IND1: Industry (tight scale) in current or main job
GOVEMP1: Employer type
UNION100: Are you a member of a labor union or an employee association similar t
Date member completed Core survey
Armed Forces Status - Currently serving on Active Duty, currently in Reserves, c
Date member completed Health 1 survey
Q1: In general, would you say your physical health is. . .?
Q1: When it comes to decisions regarding your household's financial activities,
Q22: What is the approximate total amount of your household's savings and invest
Q108: Where do you think  your credit score falls
Date member completed Financial Services survey
Q0: What language do you usually speak at home?
Date member completed Hispanic survey
Race, Census categories
Are you Spanish, Hispanic, or Latino?
Gender identity
Q230: Which of the following best describes how you think of yourself?
QEG22: Are you a citizen of the United States?
Date member completed Public Affairs 2 survey
Date member completed Public Affairs 1 survey
Q5: In total, how many years have you lived in the United States?
Q190: Are you blind or do you have serious difficulty seeing even when wearing g
Q190: Are you deaf or do you have serious difficulty hearing?
Q190: Do you have serious difficulty walking or climbing stairs?
Q190: Because of a physical, mental, or emotional condition, do you having diffi
Q190: Do you having difficulty dressing or bathing?
Control of institution (IPEDS)
Level of institution
Selectivity: Final ACT category
Race/Ethnicity - 5 categories
Income (I40) - 4 cat - <25,25-49,50-99,100+
Education - 4 categories
Doing okay financially
Would handle $400 expense with cash or equivalent
Went without medical care
Alternative financial service use