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Field
Secondary Outcomes (End Points)
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Before
From administrative records:
- Roth IRA contributions ($)
From credit report data:
- Credit score
- Credit limit ($)
- Total balances ($)
- Balances past due ($, 30+ days)
- Balances in default ($, 90+ days)
- Debt in collections ($)
- Number of credit cards (integer)
- Any auto loan (binary)
From follow-up surveys:
- Monthly savings ($)
- Monthly income ($)
- Monthly spending ($)
- Use of financial services
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After
From administrative records:
- Roth IRA contributions ($)
- Roth IRA withdrawals ($)
- Closing Roth IRA account
From credit report data:
- Credit score
- Credit limit ($)
- Total balances ($)
- Available credit, total and by type (e.g., installment, revolving)
- Balances past due ($, 30+ days)
- Balances in default ($, 90+ days)
- Debt in collections ($)
- Number of credit cards (integer)
- Any auto loan (binary)
- Any student loan (binary)
- Any mortgage loan (binary)
From monthly touchpoint surveys:
- Enrollment in college, technical or vocational school, or in career training program
- Working full- or part-time
- Monthly savings ($)
- Monthly income ($)
-Monthly spending ($)
- Use of financial services
From follow-up baseline survey:
- Savings behavior (amount of savings out of paycheck, whether they save)
- Whether they use a budget to manage their money
- Installment loan (any and amount)
- Financial assets or investment accounts (any and amount by type)
- Use of alternative financial products (e.g., buy-now-pay-later, payday loans)
- Financial hardships (any by type; e.g., paid late fee, contact by collections agency, utilities disconnect, car repossessed, eviction, bankruptcy)
- Trust in financial institutions
- Financial literacy (based on 3 of the Big 5 questions)
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