Benchmark Results Comments

Financial Behaviors AFA Families

June 2012 US Families

CASH FLOW MANAGEMENT

Have checking account 76% 89%

Pay all bills on time 62% 88%

Track expenses 76% 79%

Use a spending plan/budget 69% 46%

Learned about money mgmt 100% 20%

SAVINGS

Have savings account 66% 75%

Have emergency fund 21% 33%

Save money on a regular basis 41% 49%

Save for long-term goal (house, car, education)

21% 39%

CREDIT MANAGEMENT/INVESTMENTS

Have credit card 21% 79%

Review credit reports 100% 58%

Have any retirement account 14% 63%

Have any investment account --- 52%

OTHER FINANCIAL EXPERIENCE

Own home (1 family) 65%

Spend more than 30% of income on housing*

69%

38%

Spend more than 50% of income on housing

30%

14%

Own car (by household) 97% 91%

Benchmark Results Comments

Benchmark Results Comments