Secondary Outcomes (end points)
Secondary Outcomes (end points)
Income Domain
Outcome 1:
• Title: Typical two-week earnings
• Description: Response to “Including all of your jobs, what are your earnings in a typical two-week period?”
• Timeframe: Typical two-week lookback as collected in the biannual survey.
Outcome 2:
• Title: Hourly wage
• Description: Response to “What is your hourly wage at your main job?”
• Timeframe: Contemporaneous, as collected in biannual survey.
Labor Supply Domain
Outcome 1:
• Title: Hours worked per week
• Description: Response to “Including all of your jobs, how many hours do you usually work per week? As above, please include all sources of income, even jobs where you may only work for an hour or two per week.” (if multiple jobs) or “How many hours do you usually work per week at your main job?” (if one job).
• Timeframe: Contemporaneous, as collected in biannual survey.
Subjective Wellbeing Domain
Outcome 1:
• Title: Happiness
• Description: Response to “Taken all together, how would you say things are these days - would you say that you are Very Happy, Pretty Happy, or Not Too Happy?"
• Timeframe: Contemporaneous, as collected in biannual survey.
Mental Health Domain
Outcome 1:
• Title: 8-item Patient Health Questionnaire (PHQ-8) Depression Scale
• Description: Scores on the 8-item Patient Health Questionnaire depression scale range from 0 to 24, with higher scores indicating greater severity of depression.
• Timeframe: Two-week lookback reference period, as collected in biannual survey.
Outcome 2:
• Title: 7-item Generalized Anxiety Disorder (GAD7) Scale
• Description: Scores on the 7-item Generalized Anxiety Disorder Scale range from 0 to 21, with higher scores indicating greater severity of anxiety.
• Timeframe: Two-week lookback reference period, as collected in biannual survey.
Government Benefit Receipt
Outcomes 1-4:
• Title: Household government benefit receipt
• Description: Binary response to: “In the last 12 months, did you or anyone in your household receive any of the following government benefits?”
o Separate responses for: (a) Medicaid, Medicare, or other government health insurance benefits; (b) Social Security retirement benefits; (c) SSI, SSDI, or other monetary government assistance; (d) SNAP or food stamps
• Timeframe: 12-month lookback as collected in the biannual survey.
Financial Wellbeing
Outcome 1:
• Title: CFPB Financial Well-being Scale
• Description: Scores on the 5-item abbreviated CFPB Financial Well-being Scale range from 0 to 20, with higher scores indicating greater levels of financial well-being.
• Timeframe: Contemporaneous, as collected in the biannual survey.
Outcome 2:
• Title: Ability to pay bills
• Description: Response to: “Which best describes your ability to pay all of your bills in full this month?”
• Timeframe: Contemporaneous, as collected in the biannual survey.
Reliance on Alternative Banking Services
Outcome 1:
• Title: Reliance on alternative banking services
• Description: Binary response to any of the options provided in the question: “In the past 12 months, did you (and/or your spouse if applicable):”
o Responses including: (a) Purchase a money order from a place other than a bank; (b) Cash a check at a place other than a bank; (c) Take out a payday loan or payday advance; (d) Take out a pawn shop loan or an auto title loan; (e) Obtain a tax refund advance to receive your refund faster”
• Timeframe: 12-month lookback as collected in the biannual survey.
Emergency Savings
Outcome 1:
• Title: $400 expense
• Description: Response to “Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense? Please select all that apply.” Variable will be coded as requiring the respondent to borrow money, sell something, or report being unable to pay for the expense.
• Timeframe: Contemporaneous, as collected in the biannual survey.
Marginal Use of Money
Outcome 1:
• Title: Expected Use of Rent Rebate
• Description: Response to “When you receive a cash payment from Working to Opportunity, what do you expect to do: Mostly spend it; mostly save it; or, mostly use it to pay off debt?”
• Timeframe: Expectations will be asked in advance of receiving the rebate. Later iterations of the questions will ask the households how they used the money.
Credit Supply
Outcome 1:
• Title: Credit Score
• Description: Credit Score, as provided by credit bureau data
• Timeframe: Contemporaneous to credit pulls which will happen periodically during the post-period depending on data acquired by the implementing partner.
Access to Credit
Outcome 1:
• Title: Credit Limit
• Description: Sum of credit limits across credit cards
• Timeframe: Contemporaneous to credit pulls which will happen periodically during the post-period depending on data acquired by the implementing partner.
Debt in Collections
Outcome 1
• Title: Amount of debt in collections
• Description: Sum of debt in collections
• Timeframe: Contemporaneous to credit pulls which will happen periodically during the post-period depending on data acquired by the implementing partner.
Outcome 2
• Title: Account balances past due
• Description: Sum of account balances for (non-medical) tradelines with payments 30+ days past due
• Timeframe: Contemporaneous to credit pulls which will happen periodically during the post-period depending on data acquired by the implementing partner.