Version 2

Respondents included in both survey waves were selected from GfK's KnowledgePanel. The baseline survey in 2014 included 7,845 respondents, aged 18 and older, who identified themselves as being either the sole or one of the main financial decision-makers in their household. The survey included oversamples of black and Hispanic respondents, with 1,505 and 1,502 total cases for each of these groups, respectively. The survey was conducted in English and Spanish, with 6 percent of the interviews completed in Spanish. The re-interview survey in 2015 included a total sample of 5,661 respondents, ages 18 and older, who identified themselves as a financial decision-maker in their household and had completed the 2014 survey. In 2015, the sample included 1,043 Hispanic and 641 black respondents. 3.3 percent of the 2015 interviews were completed in Spanish. KnowledgePanel is a nationally representative online research sample in the United States, with members recruited using probability selection methods and contacted through a combination of random digit dialing and address-based sampling methodologies. Accordingly, the sample includes households with unlisted phone numbers, landlines, and cellphones, and well as those without phones. Some members had internet access, and KnowledgePanel provided those who did not with a device that made access possible. KnowledgePanel recruits new members throughout the year to offset attrition.