Featured below and available for download are reports, results tables, questionnaires, methodology and datasets for the 2012 and 2009 National Financial Capability Study.

2012 State-by-State Survey

The State-by-State survey was conducted online from July to October 2012 among a nationally-representative sample of 25,509 American Adults, reaching approximately 500 individuals per state, plus the District of Columbia.

2012 Military Survey

The Military Survey—the second of the two linked surveys that constitute the 2012 National Financial Capability Study—was conducted online in August and September 2012 among a sample of 1,000 military service members representing both active duty and reserve components.

2009 National Survey

The national survey randomly dialed nearly 1,500 respondents, with an over-sampling to enable segmentation by selected demographic variables (e.g., race, household income, education level) between May and July 2009.

2009 State-by-State Survey

The state-by-state online survey of more than 28,000 respondents was released on December 8, 2010, with the launch of USFinancialCapability.org. The website displays a clickable map of the United States and allows the public, policymakers and researchers to delve into and compare the financial capabilities of Americans in every state and across geographic regions.

2009 Military Survey

Released in October 2010, this online survey of 700 military service members and 100 military spouses provides an estimate of the financial capabilities of U.S. military personnel. Because the sample differs substantially from the 2012 Military Survey, direct tracking comparisons are not feasible.

Questions and Feedback

The FINRA Investor Education Foundation invites researchers, policy makers and all interested parties to share their feedback on the 2012 National Financial Capability Study.

Read the National and Military Reports from the 2012 NFCS

Download National Findings Download Military Findings