Page 1
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S1
Are you the male/female head of this household?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Yes 870 495 338 557 305 441 111 629 230 226 173 207 317 362 171 152 72 125 129 76 160
87% 92%C 80% 90%E 81% 89% 95% 86%I 81% 89%I 89% 90%I 81% 95%MO 82% 82% 87% 91% 87% 87% 93%P
No 129 45 82 59 71 53 6 100 53 27 21 22 75 17 37 34 11 13 20 11 12
13% 8% 20%B 10% 19%D 11% 5% 14% 19%HJL 11% 11% 10% 19%N 4% 18%N 18%U 13% 9% 13% 13% 7%
Refused/No response 1 * 1 * 1 * 0 * 0 * 0 1 * 1 0 0 0 0 0 0 0
* * * * * * 0 * 0 * 0 * * * 0 0 0 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 2
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S1a
Are you currently . . .?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Employed full time 465 275 177 329 134 263 65 379 148 142 89 81 139 230 92 50 36 65 80 57 116
46% 51%C 42% 53%E 36% 53% 55% 52%L 52%L 56%L 46% 35% 35% 61%MO 44% 27% 44%P 47%P 54%P 65%PQ 68%PQRS
R
Employed part time 141 62 78 92 49 72 18 113 46 38 29 26 59 50 31 26 15 15 28 7 20
14% 11% 19%B 15% 13% 15% 15% 15% 16% 15% 15% 11% 15% 13% 15% 14% 19% 11% 19% 8% 12%
Retired 193 132 46 107 83 95 11 122 48 36 39 56 114 42 28 33 20 34 27 12 17
19% 24%C 11% 17% 22% 19%G 9% 17% 17% 14% 20% 24%H 29%NO 11% 13% 18% 24%U 24%U 18% 14% 10%
J
Not employed 196 69 119 88 106 64 24 112 39 37 36 67 80 54 57 75 11 25 14 12 19
20% 13% 28%B 14% 28%D 13% 21% 15% 14% 15% 19% 29%H 20% 14% 28%N 40%QR 14% 18% 10% 13% 11%
IJK STU
Not reported 4 3 1 1 4 1 0 3 2 1 1 1 1 3 0 2 0 0 0 0 *
* * * * 1% * 0 * 1% * * * * 1% 0 1% 0 0 0 0 *
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 3
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S2
What is your occupation?
(Asked only of those who are employed)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 606 337 255 420 184 335 82 492 195 180 118 107 198 280 123 76 52 79 108 64 136
61% 62% 61% 68%E 49% 68% 70% 67%L 69%L 71%L 61%L 46% 50% 74%MO 59% 41% 63%P 57%P 72%PR 73%PR 79%PQR
White collar - Prof/Mngrl/ 337 218 111 256 81 200 53 287 115 102 70 48 120 165 49 31 20 44 59 34 106
Ownr 34% 40%C 26% 42%E 21% 40% 46% 39%L 41%L 40%L 36%L 21% 31% 43%MO 24% 17% 24% 32%P 40%P 39%P 62%PQRS
T
White collar - Sales/Clrcl 101 46 53 62 39 50 11 78 37 30 12 19 28 43 30 13 5 10 15 16 21
10% 9% 13% 10% 10% 10% 9% 11%K 13%K 12% 6% 8% 7% 11% 14%M 7% 6% 7% 10% 19%PR 12%
Blue collar - Craftsmen/ 55 31 25 40 15 29 11 42 12 19 11 12 17 30 8 7 6 12 13 4 4
Foreman 6% 6% 6% 7% 4% 6% 10% 6% 4% 7% 6% 5% 4% 8% 4% 4% 7% 9%U 9%U 5% 2%
Blue collar - Semi/ 54 17 37 26 28 23 2 40 16 8 16 14 13 20 20 12 14 5 14 4 3
Unskilled 5% 3% 9%B 4% 7% 5% 2% 5% 6% 3% 8%J 6% 3% 5% 9%M 6% 16%PRT 4% 9%U 4% 2%
U
Service worker 50 19 27 31 18 27 4 39 10 21 8 11 16 19 15 13 7 6 6 5 2
5% 3% 6% 5% 5% 5% 4% 5% 4% 8% 4% 5% 4% 5% 7% 7%U 9%U 5% 4% 6% 1%
Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Not reported 8 6 2 5 3 5 * 6 4 1 1 2 4 3 1 1 0 2 1 0 0
1% 1% 1% 1% 1% 1% * 1% 1% * 1% 1% 1% 1% 1% * 0 1% 1% 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 4
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S3
What is your current marital status? Are you . . . ?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Married 546 331 194 381 161 306 70 426 155 156 114 100 190 245 100 48 32 79 96 58 131
55% 61%C 46% 62%E 43% 62% 59% 58%L 55%L 62%L 59%L 43% 48% 65%MO 48% 26% 39% 57%PQ 64%PQ 67%PQ 76%PQRS
Living as married 26 11 12 18 9 13 5 19 10 7 2 8 12 11 4 6 0 3 5 1 4
3% 2% 3% 3% 2% 3% 4% 3% 4% 3% 1% 3% 3% 3% 2% 3% 0 2% 4% 1% 2%
Single and never been 216 90 121 111 103 92 18 156 76 52 27 48 107 56 48 59 26 27 26 19 18
married 22% 17% 29%B 18% 28%D 19% 16% 21%K 27%HK 21% 14% 21% 27%N 15% 23%N 32%RS 32%SU 20%U 17% 22%U 10%
U
Divorced 99 52 45 55 43 41 14 65 21 23 21 31 39 34 26 32 12 15 9 6 13
10% 10% 11% 9% 11% 8% 12% 9% 7% 9% 11% 13% 10% 9% 12% 17%SU 15% 11% 6% 7% 8%
Separated 34 12 19 15 20 9 5 16 4 4 8 18 5 12 17 14 4 4 3 1 6
3% 2% 5% 2% 5%D 2% 4% 2% 1% 2% 4% 8%HI 1% 3% 8%MN 8% 4% 3% 2% 1% 3%
J
Widowed 74 43 28 35 38 31 4 48 16 11 20 22 39 20 12 27 9 9 10 1 1
7% 8% 7% 6% 10%D 6% 4% 7% 6% 4% 11%H 10% 10%N 5% 6% 15%TU 10%U 7%U 7%U 2% *
J
No response 5 1 2 2 2 1 1 1 1 0 0 3 1 2 1 0 0 1 0 0 0
* * * * 1% * 1% * * 0 0 2%H * * 1% 0 0 * 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 5
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S3a
Are you a dual-income household, where BOTH the male and female heads of the household work and contribute to total household income?
(Asked only of those who are married or living as married)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 572 342 206 398 170 319 75 444 166 163 116 107 202 256 104 54 32 83 101 59 135
57% 63%C 49% 65%E 45% 65% 64% 61%L 58%L 64%L 60%L 47% 51% 68%MO 50% 29% 39% 60%PQ 68%PQ 68%PQ 78%PQR
Yes 371 223 131 264 104 218 43 305 117 109 78 58 116 185 66 25 20 47 70 45 97
37% 41%C 31% 43%E 28% 44% 36% 42%L 41%L 43%L 40%L 25% 29% 49%MO 32% 13% 24% 34%P 47%PQ 52%PQ 56%PQR
R
No 186 112 68 124 63 96 26 127 44 52 32 48 80 70 32 28 12 36 30 14 37
19% 21% 16% 20% 17% 20% 23% 17% 15% 21% 16% 21% 20% 18% 15% 15% 15% 26%P 20% 16% 22%
Refused/No response 16 6 8 11 4 5 6 13 5 1 6 1 6 1 6 1 * * 1 1 1
2% 1% 2% 2% 1% 1% 5%F 2% 2% * 3% * 2% * 3%N 1% * * * 1% *
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 6
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S3b
Do you own or rent the dwelling in which you live?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Own 708 422 258 490 214 400 85 548 214 200 135 133 265 302 129 73 47 104 123 75 158
71% 78%C 61% 79%E 57% 81% 72% 75%L 75%L 79%L 70%L 58% 67% 80%MO 62% 39% 57%P 75%PQ 83%PQ 86%PQ 92%PQRS
Rent 254 105 141 110 141 87 24 151 59 50 42 93 112 69 66 106 30 32 23 12 11
25% 19% 33%B 18% 37%D 18% 20% 21% 21% 20% 22% 41%H 29%N 18% 32%N 57%QR 36%ST 23%U 15%U 14% 6%
IJK STU U
Not reported 38 14 23 16 22 7 9 30 10 4 16 3 16 8 13 7 5 2 3 0 3
4% 3% 5% 3% 6%D 1% 8%F 4%J 4% 2% 8%HJ 1% 4% 2% 6%N 4% 7% 2% 2% 0 2%
L
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 7
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S4
Altogether, including you and any others, how many people regularly live in this household?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
One 161 93 58 81 77 61 20 97 27 43 27 51 71 50 32 57 21 24 20 6 7
16% 17% 14% 13% 21%D 12% 17% 13% 10% 17%I 14% 22%H 18% 13% 16% 31%RS 25%TU 18%TU 13%U 7% 4%
I TU
Two 314 189 109 194 117 161 29 225 86 69 70 75 133 102 71 39 28 43 62 27 46
31% 35%C 26% 31% 31% 33% 24% 31% 30% 27% 36% 33% 34% 27% 34% 21% 34% 31% 41%PU 31% 27%
Three 208 111 95 143 65 120 22 170 76 59 35 31 82 90 33 35 7 18 27 28 49
21% 21% 23% 23% 17% 24% 19% 23%L 27%L 23%L 18% 14% 21% 24% 16% 19% 8% 13% 18% 33%PQ 29%QR
RS
Four 207 97 104 142 63 110 32 162 69 51 41 41 67 90 49 36 21 27 26 17 55
21% 18% 25%B 23% 17% 22% 27% 22% 24% 20% 21% 18% 17% 24% 24% 20% 26% 20% 17% 19% 32%PRS
Five 67 32 33 35 31 25 10 50 16 19 15 16 23 32 12 14 3 14 10 6 10
7% 6% 8% 6% 8% 5% 9% 7% 6% 7% 8% 7% 6% 9% 6% 8% 3% 10% 6% 7% 6%
Six 23 9 12 13 9 10 3 15 8 5 2 7 11 10 1 2 3 5 3 2 2
2% 2% 3% 2% 3% 2% 2% 2% 3% 2% 1% 3% 3% 3% 1% 1% 4% 3% 2% 3% 1%
Seven 8 5 3 4 4 3 1 5 0 3 2 3 2 2 4 0 0 3 2 1 1
1% 1% 1% 1% 1% 1% 1% 1% 0 1% 1% 1% * 1% 2% 0 0 2% 1% 1% 1%
Eight 3 1 3 1 2 1 0 3 0 3 0 0 2 1 * 0 0 1 0 0 1
* * 1% * 1% * 0 * 0 1% 0 0 * * * 0 0 1% 0 0 1%
Nine 1 1 0 0 1 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0
* * 0 0 * 0 0 0 0 0 0 * 0 * 0 0 0 1% 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 8
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S4
Altogether, including you and any others, how many people regularly live in this household?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Ten or more (10) 5 0 5 1 4 1 0 1 1 0 0 4 1 0 4 2 0 1 0 0 0
* 0 1%B * 1% * 0 * * 0 0 2%H * 0 2%N 1% 0 * 0 0 0
No response 3 2 1 3 1 2 1 2 1 1 1 1 1 1 0 1 0 1 0 0 1
* * * * * * 1% * * * * * * * 0 * 0 1% 0 0 1%
Mean 2.9 2.7 3.1B 2.9 2.9 2.9 3.0 2.9 3.0 2.9 2.8 2.8 2.7 3.0M 2.9 2.6 2.6 3.0 2.7 3.0 3.2PQS
Standard Deviation 1.5 1.3 1.6 1.3 1.7 1.3 1.4 1.3 1.2 1.5 1.3 1.8 1.4 1.4 1.7 1.6 1.4 1.7 1.3 1.2 1.2
Standard Error * 0.1 0.1 0.1 0.1 0.1 0.1 * 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.2 0.1 0.1 0.1 0.1
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 9
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S5a
Children under 6 years of age
(Asked only of those with two or more household members)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 836 446 363 532 298 431 97 631 256 209 166 177 320 329 176 128 62 113 129 81 164
84% 82% 86% 86%E 79% 87% 82% 86%L 90%HJL 83% 86% 77% 81% 87% 84% 69% 75% 82%P 87%P 93%PQ 95%PQRS
R
Yes 190 100 83 130 57 103 26 138 55 50 33 45 61 92 33 41 12 27 22 13 48
19% 18% 20% 21% 15% 21% 22% 19% 19% 20% 17% 20% 16% 24%M 16% 22% 14% 20% 15% 15% 28%S
No 644 344 280 401 241 326 71 491 199 159 133 132 257 237 142 88 50 85 107 68 116
64% 64% 66% 65% 64% 66% 60% 67%L 70%L 63% 69% 58% 65% 63% 68% 47% 61% 62%P 72%P 78%PR 68%P
Don't know/No response 2 2 0 2 0 2 0 2 2 0 0 0 2 0 0 0 0 0 0 0 0
* * 0 * 0 * 0 * 1% 0 0 0 * 0 0 0 0 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 10
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S5b
Children aged 6 through 11
(Asked only of those with two or more household members)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 836 446 363 532 298 431 97 631 256 209 166 177 320 329 176 128 62 113 129 81 164
84% 82% 86% 86%E 79% 87% 82% 86%L 90%HJL 83% 86% 77% 81% 87% 84% 69% 75% 82%P 87%P 93%PQ 95%PQRS
R
Yes 186 94 88 107 79 78 29 129 49 50 30 53 44 90 52 31 18 32 19 17 45
19% 17% 21% 17% 21% 16% 25% 18% 17% 20% 16% 23% 11% 24%M 25%M 17% 22% 23%S 13% 20% 26%S
No 648 350 275 424 220 351 68 500 205 159 136 124 275 239 124 97 44 81 110 64 119
65% 65% 65% 69%E 58% 71%G 58% 68%JL 72%L 63% 70%L 54% 70%O 63% 60% 52% 53% 58% 74%PQ 73%PQ 69%P
R
Don't know/No response 2 2 0 2 0 2 0 2 2 0 0 0 2 0 0 0 0 0 0 0 0
* * 0 * 0 * 0 * 1% 0 0 0 * 0 0 0 0 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 11
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S5a/S5b
Children under 12 years
(Asked only of those with two or more household members)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 836 446 363 532 298 431 97 631 256 209 166 177 320 329 176 128 62 113 129 81 164
84% 82% 86% 86%E 79% 87% 82% 86%L 90%HJL 83% 86% 77% 81% 87% 84% 69% 75% 82%P 87%P 93%PQ 95%PQRS
R
Yes 303 147 145 192 108 145 46 218 81 83 53 76 83 147 69 59 25 48 36 24 71
30% 27% 34% 31% 29% 29% 39% 30% 29% 33% 27% 33% 21% 39%M 33%M 32% 30% 35% 24% 28% 41%S
No 531 296 218 339 190 284 50 411 173 126 113 101 235 182 107 70 37 65 94 57 93
53% 55% 52% 55% 51% 58%G 43% 56%JL 61%JL 50% 58%L 44% 60%N 48% 51% 37% 45% 47% 63%PQ 65%PQ 54%P
R R
Don't know/No response 2 2 0 2 0 2 0 2 2 0 0 0 2 0 0 0 0 0 0 0 0
* * 0 * 0 * 0 * 1% 0 0 0 * 0 0 0 0 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 12
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S6
Children aged 12 through 17
(Asked only of those with two or more household members)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 836 446 363 532 298 431 97 631 256 209 166 177 320 329 176 128 62 113 129 81 164
84% 82% 86% 86%E 79% 87% 82% 86%L 90%HJL 83% 86% 77% 81% 87% 84% 69% 75% 82%P 87%P 93%PQ 95%PQRS
R
Yes 181 84 94 109 71 87 22 137 53 48 36 42 64 75 42 24 17 26 23 17 45
18% 15% 22%B 18% 19% 18% 19% 19% 19% 19% 19% 18% 16% 20% 20% 13% 21% 19% 15% 20% 26%PS
No 653 360 269 422 228 343 74 492 201 161 130 135 254 254 134 105 45 87 107 64 119
65% 67% 64% 68%E 61% 69% 63% 67%L 71%L 64% 67% 59% 65% 67% 64% 56% 54% 63% 71%PQ 73%PQ 69%P
Don't know/No response 2 2 0 2 0 2 0 2 2 0 0 0 2 0 0 0 0 0 0 0 0
* * 0 * 0 * 0 * 1% 0 0 0 * 0 0 0 0 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 13
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S5b/S6
Children aged 6 through 17
(Asked only of those with two or more household members)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 836 446 363 532 298 431 97 631 256 209 166 177 320 329 176 128 62 113 129 81 164
84% 82% 86% 86%E 79% 87% 82% 86%L 90%HJL 83% 86% 77% 81% 87% 84% 69% 75% 82%P 87%P 93%PQ 95%PQRS
R
Yes 295 144 145 181 112 143 39 214 84 80 50 77 89 137 69 52 24 44 37 26 71
30% 27% 35%B 29% 30% 29% 33% 29% 30% 32% 26% 34% 23% 36%M 33%M 28% 29% 32% 25% 29% 41%PS
No 539 300 217 349 186 286 58 415 170 129 116 100 229 192 107 77 38 69 93 55 93
54% 55% 52% 57% 49% 58% 49% 57%L 60%L 51% 60%L 44% 58% 51% 51% 41% 46% 50% 62%P 64%P 54%
Don't know/No response 2 2 0 2 0 2 0 2 2 0 0 0 2 0 0 0 0 0 0 0 0
* * 0 * 0 * 0 * 1% 0 0 0 * 0 0 0 0 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 14
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S5a/S5b/S6
Children under 18 years
(Asked only of those with two or more household members)
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Percent asked 836 446 363 532 298 431 97 631 256 209 166 177 320 329 176 128 62 113 129 81 164
84% 82% 86% 86%E 79% 87% 82% 86%L 90%HJL 83% 86% 77% 81% 87% 84% 69% 75% 82%P 87%P 93%PQ 95%PQRS
R
Yes 399 191 198 259 137 203 55 296 113 111 72 94 123 189 84 75 31 59 50 33 94
40% 35% 47%B 42% 36% 41% 47% 41% 40% 44% 37% 41% 31% 50%M 41% 41% 38% 43% 34% 38% 55%PQST
No 435 253 165 271 162 226 41 334 142 98 94 84 196 140 91 53 31 54 79 48 70
43% 47% 39% 44% 43% 46% 35% 46%JL 50%JL 39% 49%L 36% 50%N 37% 44% 28% 37% 39% 53%PR 55%PR 41%P
Don't know/No response 2 2 0 2 0 2 0 2 2 0 0 0 2 0 0 0 0 0 0 0 0
* * 0 * 0 * 0 * 1% 0 0 0 * 0 0 0 0 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 15
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S7
What was the last grade in school you completed?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
8th grade or less 10 3 6 2 8 1 1 4 1 1 1 5 1 1 7 5 1 2 1 0 0
1% 1% 1% * 2%D * 1% 1% * * 1% 2% * * 4%MN 3% 2% 2% * 0 0
High school incomplete 63 22 40 21 42 15 5 38 17 12 9 22 40 5 16 34 7 2 1 5 1
6% 4% 9%B 3% 11%D 3% 5% 5% 6% 5% 5% 9%H 10%N 1% 8%N 18%RST 9%RSU 1% 1% 6%SU 1%
U
High school complete 288 120 156 136 150 114 21 189 77 51 61 86 120 95 66 84 31 49 41 13 14
29% 22% 37%B 22% 40%D 23% 18% 26%J 27% 20% 31%J 38%H 30% 25% 32% 45%ST 37%TU 35%TU 27%U 15% 8%
IJ U
Some college, but no degree 184 101 75 115 67 87 27 129 40 54 36 43 58 81 41 33 13 29 38 13 29
18% 19% 18% 19% 18% 18% 23% 18% 14% 21% 19% 19% 15% 21%M 20% 18% 16% 21% 25% 15% 17%
Associates degree 64 30 34 43 21 33 11 49 14 17 17 16 13 34 16 8 7 10 11 8 12
6% 5% 8% 7% 6% 7% 9% 7% 5% 7% 9% 7% 3% 9%M 8% 5% 9% 7% 8% 9% 7%
College graduate/Bachelors 238 158 70 179 58 147 31 194 85 72 37 38 96 103 36 19 14 37 34 32 59
degree 24% 29%C 17% 29%E 15% 30% 26% 27%KL 30%KL 28%L 19% 16% 24% 27%O 17% 10% 17% 26%P 23%P 36%PQ 34%PQ
Postgraduate degree, such 140 105 32 114 26 96 16 118 49 43 25 16 63 57 18 2 8 9 20 16 57
as a Master's, PH.D., MD, 14% 19%C 8% 18%E 7% 19% 14% 16%L 17%L 17%L 13% 7% 16% 15% 9% 1% 10%P 7%P 14%P 18%PR 33%PQRS
JD T
Refused/No response 13 2 9 7 5 1 6 9 1 2 6 4 3 2 7 0 0 0 3 0 0
1% * 2%B 1% 1% * 5%F 1% * 1% 3%HI 2% 1% * 3%N 0 0 0 2% 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 16
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S8
What is your age?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
18 - 20 (19) 79 18 60 34 45 32 2 66 42 20 4 8 50 13 15 26 8 3 18 5 1
8% 3% 14%B 5% 12%D 6% 2% 9%KL 15%HKL 8%K 2% 3% 13%N 4% 7% 14%RU 10%RU 2% 12%RU 5%U 1%
21 - 24 (22.5) 49 21 27 28 20 19 9 36 15 12 9 9 28 19 2 9 6 17 2 4 8
5% 4% 7% 5% 5% 4% 8% 5% 5% 5% 5% 4% 7%O 5% 1% 5% 7% 12%PSU 2% 5% 5%
25 - 29 (27) 79 32 44 39 39 37 2 52 12 26 15 22 22 28 25 30 11 7 16 0 4
8% 6% 10%B 6% 11% 8% 2% 7%I 4% 10%I 8% 10%I 6% 7% 12%M 16%RT 13%TU 5% 11%TU 0 2%
U
30 - 34 (32) 100 60 40 78 23 63 15 75 31 16 28 26 22 48 30 17 5 12 16 8 27
10% 11% 10% 13%E 6% 13% 13% 10%J 11% 6% 14%J 11% 6% 13%M 14%M 9% 6% 9% 11% 10% 16%
35 - 39 (37) 85 43 38 54 30 35 19 63 17 23 22 20 23 39 22 13 8 15 10 11 20
8% 8% 9% 9% 8% 7% 16%F 9% 6% 9% 11% 9% 6% 10%M 10% 7% 9% 11% 7% 12% 12%
40 - 44 (42) 106 47 57 68 37 52 16 83 34 31 18 21 26 58 23 15 5 19 9 15 23
11% 9% 13% 11% 10% 11% 14% 11% 12% 12% 9% 9% 6% 15%M 11% 8% 6% 14% 6% 18%S 13%
45 - 49 (47) 87 55 26 58 28 49 9 74 23 28 23 13 26 39 22 7 6 14 17 11 19
9% 10% 6% 9% 7% 10% 7% 10% 8% 11% 12% 6% 7% 10% 11% 4% 7% 10%P 11%P 13%P 11%P
50 - 54 (52) 107 58 44 76 32 55 20 75 27 29 19 30 38 45 24 18 7 12 15 11 26
11% 11% 10% 12% 8% 11% 17% 10% 10% 11% 10% 13% 10% 12% 12% 9% 9% 9% 10% 13% 15%
55 - 59 (57) 74 45 26 44 29 34 9 53 22 18 13 18 33 30 9 13 7 9 12 6 18
7% 8% 6% 7% 8% 7% 7% 7% 8% 7% 7% 8% 8% 8% 4% 7% 9% 6% 8% 6% 10%
60 - 64 (62) 69 51 16 48 22 42 5 51 20 22 8 16 32 26 9 8 3 8 12 8 13
7% 9%C 4% 8% 6% 9% 5% 7% 7% 9% 4% 7% 8% 7% 4% 4% 4% 6% 8% 9% 7%
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 17
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S8
What is your age?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
65 - 69 (67) 54 37 13 32 21 27 5 35 14 7 14 14 25 13 13 8 4 6 8 3 6
5% 7%C 3% 5% 6% 5% 4% 5% 5% 3% 7% 6% 6% 3% 6% 5% 5% 4% 6% 4% 4%
70 - 74 (72) 45 30 8 27 16 25 2 25 12 5 8 15 21 13 7 7 5 6 8 2 4
4% 6%C 2% 4% 4% 5% 2% 3% 4% 2% 4% 7%J 5% 4% 3% 4% 6% 4% 5% 2% 2%
75 or older (75) 63 39 21 28 35 23 4 40 12 16 11 17 46 6 7 16 8 9 4 3 2
6% 7% 5% 5% 9%D 5% 3% 5% 4% 6% 6% 8% 12%NO 2% 3% 8%U 9%U 7%U 3% 4% 1%
Refused/No response 4 3 1 3 1 1 1 3 2 1 * 0 2 1 * 0 0 * 0 0 1
* 1% * 1% * * 1% * 1% * * 0 * * * 0 0 * 0 0 *
Mean 45.4 48.5C 40.4 45.6 44.8 45.8 44.4 44.5 43.4 44.5 46.0 47.6 47.3N 44.0 43.3 42.3 44.9 45.1 44.1 45.8 45.5
HI O
Standard Deviation 16.7 16.1 16.3 15.7 18.2 16.1 13.7 16.4 17.1 16.0 15.6 16.7 19.2 14.0 15.3 18.4 18.6 16.2 16.7 14.1 12.7
Standard Error 0.5 0.7 0.9 0.6 1.0 0.7 1.3 0.6 1.0 1.0 1.1 1.1 0.9 0.7 1.1 1.4 2.2 1.3 1.4 1.5 0.9
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 18
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S9a
Are you Spanish, Hispanic, or Latino?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Yes 128 48 77 64 64 43 20 84 37 24 22 41 56 35 37 33 18 14 23 6 16
13% 9% 18%B 10% 17%D 9% 17%F 11% 13% 10% 12% 18%H 14% 9% 18%N 18%T 22%TU 10% 16% 7% 9%
J
No 861 490 337 545 309 449 91 637 246 228 164 187 336 342 164 152 65 124 126 82 155
86% 91%C 80% 88%E 82% 91%G 78% 87% 87% 90%L 85% 81% 85% 90%O 79% 82% 78% 90% 84% 93%PQ 90%Q
Refused/No response 11 2 8 8 3 2 6 9 1 1 7 2 1 2 7 1 * * 0 0 *
1% * 2% 1% 1% * 5%F 1% * 1% 4%HI 1% * 1% 3%MN 1% * * 0 0 *
J
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 19
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S9
Which of the following describes your race? You can select as many as apply.
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
White/Caucasian 745 427 289 479 259 382 93 544 203 193 149 163 303 286 138 124 57 106 116 60 150
74% 79%C 69% 78%E 69% 77% 79% 75% 71% 76% 77% 71% 77%O 75% 66% 67% 69% 77% 78% 69% 87%PQRT
Black/African-American 113 53 54 67 46 57 9 80 27 34 19 31 26 51 35 32 11 12 14 14 12
11% 10% 13% 11% 12% 12% 7% 11% 10% 13% 10% 14% 7% 14%M 17%M 17%U 13% 8% 9% 16% 7%
Asian/Asian-American 23 12 10 9 13 9 * 16 5 6 5 7 14 4 4 6 1 4 3 5 1
2% 2% 2% 2% 4% 2% * 2% 2% 2% 2% 3% 4%N 1% 2% 3% 1% 3% 2% 6%U 1%
Some other race 112 40 71 52 60 41 10 76 48 16 13 34 50 34 27 33 17 15 12 8 8
11% 7% 17%B 8% 16%D 8% 9% 10%J 17%HJK 6% 7% 15%J 13% 9% 13% 18%SU 20%SU 11% 8% 9% 5%
K
Refused/No response 21 10 9 16 5 7 8 17 4 5 9 2 4 9 8 0 0 3 5 0 1
2% 2% 2% 3% 1% 2% 7%F 2% 1% 2% 5% 1% 1% 2% 4% 0 0 2% 3% 0 1%
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 20
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S10
Was your TOTAL household income BEFORE taxes for 2007 less than $40,000 or $40,000 or more?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Less than $40,000 323 133 179 122 198 93 29 175 51 56 68 131 126 103 86 186 83 47 0 0 0
32% 25% 42%B 20% 53%D 19% 24% 24%I 18% 22% 35%H 57%H 32% 27% 41%N 100%R 100%RS 34%STU 0 0 0
IJ IJK STU TU
Under $15,000 (15.0) 97 32 59 25 70 16 9 42 20 9 13 47 40 19 32 97 0 0 0 0 0
10% 6% 14%B 4% 19%D 3% 8% 6% 7% 4% 7% 20%H 10%N 5% 15%N 52%QRS 0 0 0 0 0
IJK TU
$15,000 - $24,999 (20.0) 89 45 44 39 50 35 5 46 9 17 20 42 28 39 20 89 0 0 0 0 0
9% 8% 10% 6% 13%D 7% 4% 6%I 3% 7% 10%H 18%HI 7% 10% 10% 48%QRS 0 0 0 0 0
I J TU
$25,000 - $29,999 (27.5) 49 17 30 16 32 15 1 32 12 9 11 12 24 11 13 0 49 0 0 0 0
5% 3% 7%B 3% 9%D 3% 1% 4% 4% 4% 6% 5% 6% 3% 6% 0 59%PRS 0 0 0 0
TU
$30,000 - $34,999 (32.5) 34 12 22 15 19 12 3 18 2 9 7 14 11 15 8 0 34 0 0 0 0
3% 2% 5%B 2% 5% 2% 2% 2%I 1% 4%I 3% 6%HI 3% 4% 4% 0 41%PRS 0 0 0 0
TU
$35,000 - $39,999 (37.5) 47 24 21 24 23 14 11 35 7 12 16 12 17 18 11 0 0 47 0 0 0
5% 5% 5% 4% 6% 3% 9%F 5% 3% 5% 8%HI 5% 4% 5% 5% 0 0 34%PQS 0 0 0
TU
Less than $40,000 7 3 3 3 4 2 * 2 1 0 2 5 5 1 1 0 0 0 0 0 0
(Unspecified)/No response 1% 1% 1% * 1% 1% * * * 0 1% 2%HJ 1% * * 0 0 0 0 0 0
$40,000 or more 546 354 178 411 133 337 72 457 197 163 98 76 209 241 92 0 0 91 149 87 172
55% 65%C 42% 67%E 35% 68% 61% 63%KL 70%HKL 64%KL 51%L 33% 53% 63%MO 44% 0 0 66%P 100%P 100%P 100%PQR
Q QR QR
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 21
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question S10
Was your TOTAL household income BEFORE taxes for 2007 less than $40,000 or $40,000 or more?
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
$40,000 - $49,999 (45.0) 91 52 38 49 42 36 12 65 23 24 18 24 35 34 22 0 0 91 0 0 0
9% 10% 9% 8% 11% 7% 10% 9% 8% 9% 9% 10% 9% 9% 11% 0 0 66%PQS 0 0 0
TU
$50,000 - $59,999 (55.0) 85 51 31 55 28 49 7 64 16 19 28 21 31 37 16 0 0 0 85 0 0
9% 9% 7% 9% 8% 10% 6% 9% 6% 8% 15%HI 9% 8% 10% 8% 0 0 0 57%PQR 0 0
J TU
$60,000 - $74,999 (67.5) 64 37 25 47 17 39 6 55 16 20 19 7 20 31 13 0 0 0 64 0 0
6% 7% 6% 8% 5% 8% 6% 8%L 6% 8% 10%L 3% 5% 8% 6% 0 0 0 43%PQR 0 0
TU
$75,000 - $99,999 (87.5) 87 66 20 71 16 55 15 77 37 31 9 6 27 46 14 0 0 0 0 87 0
9% 12%C 5% 12%E 4% 11% 13% 11%KL 13%KL 12%KL 5% 2% 7% 12%M 7% 0 0 0 0 100%PQR 0
SU
$100,000 or more (100.0) 172 121 48 150 22 132 18 160 87 57 17 11 76 76 19 0 0 0 0 0 172
17% 22%C 11% 24%E 6% 27%G 15% 22%KL 31%HKL 22%KL 9% 5% 19%O 20%O 9% 0 0 0 0 0 100%PQRS
T
$40,000 or more 46 29 16 38 7 25 13 36 18 11 6 8 20 16 9 0 0 0 0 0 0
(Unspecified)/No response 5% 5% 4% 6%E 2% 5% 11%F 5% 6% 5% 3% 3% 5% 4% 4% 0 0 0 0 0 0
Don't know/Refused/No 131 54 65 83 45 64 17 97 35 35 27 22 59 35 30 0 0 0 0 0 0
response 13% 10% 15%B 13% 12% 13% 14% 13% 12% 14% 14% 10% 15%N 9% 14% 0 0 0 0 0 0
Mean 55.7 62.7C 46.6 66.4E 39.5 67.7 60.2 62.7K 69.9HK 64.5KL 49.9 36.3 56.2O 60.6O 46.0 17.4 29.5P 42.5P 60.3P 87.5 100.0PQRS
L L L Q QR PQRS
Standard Deviation 31.2 30.8 29.4 30.0 25.4 29.9 30.2 30.6 31.3 29.9 26.0 23.7 32.0 30.4 28.6 2.5 2.5 3.6 6.2 0.0 0.0
Standard Error 1.1 1.4 1.7 1.3 1.5 1.5 3.3 1.3 2.1 2.1 2.1 1.8 1.8 1.7 2.4 0.2 0.3 0.3 0.5 0.0 0.0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 22
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question SB
I would like to ask where you, personally, USE the Internet. If YOU don't USE the Internet at all, please tell me.
Do you USE the Internet from...
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Unweighted Total 1007 603 357 628 368 513 109 730 282 251 197 231 434 363 183 164 74 145 147 91 181
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Any use (Net) 769 441 305 515 250 413 100 601 243 211 148 137 289 325 145 109 52 95 127 83 167
77% 82%C 72% 83%E 67% 83% 85% 82%KL 86%KL 83%L 76%L 60% 73% 86%MO 70% 58% 62% 69% 85%PQ 96%PQ 97%PQRS
R RS
Home/Work (Sub-net) 735 429 285 504 228 404 98 582 233 204 146 124 274 317 135 93 50 90 124 83 165
73% 79%C 68% 82%E 61% 82% 83% 80%L 82%L 81%L 75%L 54% 70% 84%MO 65% 50% 60% 65%P 83%PQ 95%PQ 96%PQRS
R RS
Home 703 414 271 479 221 390 86 558 227 191 140 117 264 300 131 89 43 86 120 80 164
70% 77%C 64% 78%E 59% 79% 74% 76%L 80%L 75%L 72%L 51% 67% 79%MO 63% 48% 52% 62%P 80%PQ 92%PQ 95%PQRS
R R
Work 386 243 130 284 103 226 57 322 126 133 63 56 120 194 69 29 22 40 63 56 114
39% 45%C 31% 46%E 27% 46% 48% 44%KL 44%KL 53%HKL 33% 25% 31% 51%MO 33% 16% 26% 29%P 43%PR 64%PQ 66%PQRS
RS
School 144 78 65 83 62 70 12 110 50 36 24 32 49 67 29 36 6 12 34 20 25
14% 15% 15% 13% 16% 14% 11% 15% 17% 14% 13% 14% 12% 18% 14% 20%QR 7% 9% 23%QR 23%QR 15%
Somewhere else 171 96 73 99 71 77 21 129 54 47 29 36 68 65 36 37 11 23 19 12 37
17% 18% 17% 16% 19% 16% 18% 18% 19% 18% 15% 16% 17% 17% 17% 20% 14% 16% 13% 14% 22%
Don't use the Internet 227 97 114 101 122 81 18 126 40 42 44 91 104 52 61 77 29 43 22 4 5
23% 18% 27%B 16% 33%D 16% 15% 17% 14% 16% 23%H 40%H 27%N 14% 29%N 42%ST 34%ST 31%ST 15%TU 4% 3%
I IJK U U U
Don't know/No response 4 2 2 1 3 1 0 3 1 1 1 1 0 2 2 0 3 0 0 0 0
* * 1% * 1% * 0 * * * 1% 1% 0 1% 1% 0 3% 0 0 0 0
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U
Overlap formulae used. * small base
Page 23
ORC STUDY #717069 CARAVAN FEBRUARY 8-11, 2008
SAVING FOR THE FUTURE
Question SB
I would like to ask where you, personally, USE the Internet. If YOU don't USE the Internet at all, please tell me.
Do you USE the Internet from...
Spend Less Than Income, Save Consumer Debt
Have Spen- Difference ------
ding Plan ------Debt Household Income
Know Net Have Savi- to Achieve No Rema------
Worth ngs Plan Goals Save Save Not Redu- in $25K- $35K- $50K- $75K- $100K
------Yes Save Bwtn Bwtn Sav- Debt cing Same/ LT LT LT LT LT or
Total Yes No Yes No Yes No Save 10%+ 5%-10% 1%-5% ing Free Debt Grwng $25K $35K $50K $75K $100K More
------
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U)
Weighted Total 1000 540 421 616 376 494 117* 730 283 253 193 229 393 379 208 186 83* 138 149 87* 172
Home, not work 349 186 155 221 125 178 41 260 107 71 82 68 153 123 66 64 28 50 60 27 51
35% 34% 37% 36% 33% 36% 35% 36%J 38% 28% 43%H 30% 39% 32% 32% 35% 34% 36% 41% 31% 30%
JL
Work, not home 32 15 14 25 7 14 12 25 6 13 6 7 10 17 4 5 6 4 4 3 2
3% 3% 3% 4% 2% 3% 10%F 3% 2% 5% 3% 3% 3% 5% 2% 2% 8%U 3% 3% 3% 1%
Both home and work 354 228 116 259 95 212 45 298 120 120 57 49 110 177 65 25 15 36 59 53 112
35% 42%C 28% 42%E 25% 43% 38% 41%KL 42%KL 48%HKL 30% 22% 28% 47%MO 31% 13% 19% 26%P 40%PQ 61%PQ 65%PQRS
R RS
______
Proportions/Means: Columns Tested (5% risk level) - B/C - D/E - F/G - H/I/J/K/L - M/N/O - P/Q/R/S/T/U