7TH ANNUAL PARENTS, KIDS & MONEY SURVEY: SUPPLEMENTAL DATA

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1 Detailed Results 7TH ANNUAL PARENTS, KIDS & MONEY SURVEY: SUPPLEMENTAL DATA T. Rowe Price August 2015

2 Contents Impact of Parent/Kid Discussions on Kids Impact of Parental Discussions on Kids Impact of Parental Arguments on Kids Impact of Parental Discussions on Parents Discussion Frequency Mom vs. Dad Experiential Learning Allowance Letting Kids Make Mistakes Student Loans Credit Cards Discussions Combined with Experiential Learning Money Where Mouth Is Men s Bad Behavior Respondent Profile Objective & Methodology 2

3 IMPACT OF PARENT/KID DISCUSSIONS ON KIDS

4 Impact of Parent/Kid Discussions On Kids HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (KIDS) (Five point scale Displaying very/extremely) Managing personal finances Credit Student loan debt Investing Taxes Social Security Mortgages Inflation 8% 8% 8% 9% 9% 9% 9% 14% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 29% 28% 28% 33% 32% 34% 39% 46% Parent & Kid Have Frequent Financial Discussions Yes (N=374) No (N=507) Kids who have financial discussions with their parents are more knowledgeable across all financial topics. N=794 (Married) 4

5 Impact of Parent/Kid Discussions On Kids PERCENT OF KIDS WHO: Say parents set a good financial example Understand the value of a dollar 79% 84% 94% 92% Think they will go to college 76% 84% Say parents do a good job teaching about money 32% 67% Know what type of job they want Think they are smart about money 26% 34% 50% 49% Parent & Kid Have Frequent Financial Discussions Yes (N=374) No (N=507) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Discussing finances with kids results in kids who feel smart about money, have direction and feel their parents are doing a good job teaching them about money. N=794 (Married) 5

6 IMPACT OF PARENTAL DISCUSSIONS ON KIDS

7 Impact of Parental Discussions On Kids HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (KIDS) (Five point scale Displaying very/extremely) Managing personal finances Credit 10% 16% 33% 39% Student loan debt Investing Taxes Social Security Mortgages Inflation 7% 7% 8% 6% 6% 6% 27% 26% 28% 28% 30% 32% Parents Have Frequent Financial Discussions With Each Other Yes (N=456) No (N=338) 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% Kids whose parents have financial discussions are more knowledgeable across all financial topics. N=794 (Married) 7

8 Impact of Parental Discussions On Kids PERCENT OF KIDS WHO: Say parents set a good financial example 79% 92% Think they will go to college 72% 86% Say parents do a good job teaching about money Know what type of job they want 32% 33% 49% 58% Parents Have Frequent Financial Discussions With Each Other Yes (N=456) Think they are smart about money 24% 45% No (N=338) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Parents who have financial discussions with their spouse have kids who have higher expectations and aptitude. N=794 (Married) 8

9 IMPACT OF PARENTAL ARGUMENTS ON KIDS

10 Impact of Parental Arguments On Kids HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (KIDS) (Five point scale Displaying very/extremely) Managing personal finances Credit Student loan debt Investing Taxes Social Security Mortgages Inflation 9% 9% 8% 8% 9% 9% 8% 14% 0% 10% 20% 30% 40% 50% Kids whose parents have financial arguments are more knowledgeable across all financial topics. 29% 28% 28% 33% 32% 34% 39% 46% Parents Have Frequent Financial Discussions With Each Other Yes (N=99) No (N=507) N=606 (Married and Child Respondent) 10

11 Impact of Parental Arguments On Kids PERCENT OF KIDS WHO: Say parents do a good job teaching about money Think they are smart about money 33% 44% 61% 67% Parents Have Frequent Financial Discussions With Each Other Yes (N=99) No (N=695) 0% 20% 40% 60% 80% Parents who argue frequently about money have kids who are more likely to feel smart about money and think their parents are doing a good job teaching them. N=794 (Married) 11

12 IMPACT OF PARENTAL DISCUSSIONS ON PARENTS

13 Impact of Parental Discussions On Parents HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (PARENTS) (Five point scale Displaying very/extremely) Managing personal finances 54% 75% Credit 51% 74% Taxes 46% 62% Mortgages 45% 62% Inflation Social Security Investing Student loan debt 35% 34% 28% 31% 56% 55% 53% 52% Parents Have Frequent Financial Discussions With Each Other Yes (N=456) No (N=338) 0% 10% 20% 30% 40% 50% 60% 70% 80% Parents who have financial discussions with their spouse are more knowledgeable across all financial topics. N=794 (Married) 13

14 Impact of Parental Discussions On Parents PERCENT OF PARENTS WHO: Contribute regularly to savings 82% 91% Have an emergency fund 75% 88% Follow a household budget 59% 79% Have money left after monthly expenses 64% 77% Save for kids' college education Regularly save for retirement 41% 39% 53% 65% Parents Have Frequent Financial Discussions With Each Other Yes (N=456) Set financial goals 29% 47% No (N=338) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Parents who have financial discussions with their spouse have better saving and financial habits. N=794 (Married) 14

15 DISCUSSION FREQUENCY: MOM VS. DAD

16 Frequency of Discussions by Parent Gender HOW OFTEN DO YOU DISCUSS EACH OF THE FOLLOWING WITH YOUR KIDS? (Five point scale Displaying very/extremely) Setting financial goals 65% 71% Saving for college 58% 68% Non-traditional post HS education options 47% 58% Investment vehicles 24% 46% Joining the military 21% 34% Men (N=500) Women (N=500) 0% 10% 20% 30% 40% 50% 60% 70% 80% Across all financial topics, dads are more likely than moms to be having discussions with their kids. N=881 (Kid completed survey) 16

17 ALLOWANCE

18 Impact of Allowance HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (KIDS) (Five point scale Displaying very/extremely) Managing personal finances 16% 32% Credit 9% 26% Student loan debt 8% 23% Taxes 8% 22% Investing 8% 22% Social Security Mortgages Inflation 7% 5% 6% 22% 21% 20% Parents Give Allowance Yes (N=645) No (N=236) 0% 5% 10% 15% 20% 25% 30% 35% Kids who get allowance are more knowledgeable across all financial topics. N=881 (Kid completed survey) 18

19 Impact of Allowance PERCENT OF KIDS WHO: Understand the value of a dollar 81% 90% Say parents set a good financial example 78% 88% Discuss saving for college 45% 62% Say parents do a good job teaching about money 31% 52% Parents Give Allowance Think they are smart about money 25% 40% Yes (N=645) No (N=236) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Kids who receive allowance are more likely to be financially savvy and discuss saving for college with their parents. N=881 (Kid completed survey) 19

20 LETTING KIDS MAKE MISTAKES WITH MONEY

21 Letting Kids Make Financial Mistakes HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (KIDS) (Five point scale Displaying very/extremely) Managing personal finances Credit Student loan debt Investing Social Security Taxes Mortgages Inflation 6% 7% 7% 7% 8% 8% 12% 16% 0% 5% 10% 15% 20% 25% 30% 35% 40% 24% 24% 26% 26% 26% 28% 30% 36% Allow Kids to Make Financial Mistakes Yes (N=506) No (N=375) Kids whose parents allow them to make financial mistakes are more knowledgeable across all financial topics. N=881 (Kid completed survey) 21

22 Letting Kids Make Financial Mistakes PERCENT OF KIDS WHO: Understand the value of a dollar 84% 90% Say parents set a good financial example 82% 87% Say parents do a good job teaching about money 40% 52% Allow Kids to Make Financial Mistakes Think they are smart about money 26% 44% Yes (N=506) No (N=375) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Kids whose parents are willing to let them make financial mistakes are more likely to be financially savvy and think their parents set a good example. N=881 (Kid completed survey) 22

23 LETTING KIDS LEARN THROUGH STUDENT LOANS

24 Student Loans to Learn About Debt HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (KIDS) (Five point scale Displaying very/extremely) Managing personal finances 16% 35% Credit 10% 29% Student loan debt 5% 28% Investing 7% 26% Taxes 6% 26% Social Security Mortgages 4% 4% 25% 26% Think Kids Should Take on Student Loans Yes (N=543) Inflation 4% 24% No (N=334) 0% 5% 10% 15% 20% 25% 30% 35% 40% Kids whose parents think that kids should take on student loans to learn about debt are more knowledgeable across all financial topics. N=881 (Kid completed survey) 24

25 Student Loans to Learn About Debt PERCENT OF KIDS WHO: Understand the value of a dollar 84% 90% Say parents set a good financial example 82% 88% Say parents do a good job teaching about money 38% 52% Think Kids Should Take on Student Loans Think they are smart about money 26% 42% Yes (N=543) No (N=334) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Kids whose parents think they should experience student loan debt are more likely to be financially savvy and think their parents are doing a good job teaching them. N=881 (Kid completed survey) 25

26 LETTING KIDS LEARN ABOUT MONEY WITH CREDIT CARDS

27 Credit Cards to Learn About Managing Money HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE FOLLOWING? (KIDS) (Five point scale Displaying very/extremely) Managing personal finances 14% 40% Credit 9% 33% Investing 5% 31% Student loan debt 7% 30% Taxes 7% 29% Social Security 5% 29% Think Kids Should Have Credit Cards Mortgages Inflation 6% 5% 27% 27% Yes (N=466) No (N=411) 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% Kids whose parents think that kids should have credit cards to learn about managing money are more knowledgeable across all financial topics. N=881 (Kid completed survey) 27

28 Credit Cards to Learn About Managing Money PERCENT OF KIDS WHO: Understand the value of a dollar 84% 91% Say parents set a good financial example 82% 89% Think they will go to college 76% 83% Say parents do a good job teaching about money Think they are smart about money 27% 37% 44% 55% Think Kids Should Have Credit Cards Yes (N=466) No (N=411) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Kids whose parents think they should have credit cards are more likely to be financially savvy and think they will go to college N=881 (Kid completed survey) 28

29 THE COMBINATION OF DISCUSSIONS AND EXPERIENTIAL LEARNING

30 % of kids knowledgeable about Managing Personal Finance Discussions and Experiential Learning Without Allowance 80% Parents & Kids Have Frequent Discussions Yes 70% 60% 50% No 67% 40% 30% 34% 36% 29% 20% 15% 12% 15% 10% 2% 0% Total money experiences parents are willing to allow (Allow mistakes, student loans, credit cards) There is a significant interaction between having discussions and the degree to which parents let kids experience money kids of parents who have frequent discussions and the most experiences with money are significantly more likely to have knowledge of managing personal finance (67% vs. 2%) N=881 (Kid completed survey) 30

31 % of kids knowledgeable about Managing Personal Finance Discussions and Experiential Learning Including Allowance 80% 70% Parents & Kids Have Frequent Discussions Yes No 68% 60% 50% 40% 30% 20% 10% 0% 7% 0% 24% 36% 12% 13% % 19% Total money experiences parents are willing to allow (Give allowance, allow mistakes, student loans, credit cards) 29% Allowance continues to bolster the importance having discussions and the degree to which parents let kids experience money kids of parents who have frequent discussions and the most experiences (allowance, and allowing mistakes, loans and credit cards) with money are even more likely to have knowledge of managing personal finance (68% vs. 0%) N=881 (Kid completed survey) 31

32 % of kids who think they are smart about money Discussions and Experiential Learning Including Allowance Parents & Kids Have Frequent Discussions 80% 70% Yes No 70% 60% 50% 40% 30% 21% 29% 44% 38% 28% 31% 37% 20% 15% 15% 10% 0% Total money experiences parents are willing to allow (Give allowance, allow mistakes, student loans, credit cards) There is a significant interaction between having discussions and the degree to which parents let kids experience money kids of parents who have frequent discussions and the most experiences with money are significantly more likely to think they are smart about money (70% vs. 15%) N=881 (Kid completed survey) 32

33 % of kids who say parents do a good job teaching about money Discussions and Experiential Learning Including Allowance 90% 80% Parents & Kids Have Frequent Discussions Yes No 82% 70% 60% 60% 59% 59% 50% 43% 40% 30% 29% 22% 26% 31% 33% 20% 10% 0% Total money experiences parents are willing to allow (Give allowance, allow mistakes, student loans, credit cards) There is a significant interaction between having discussions and the degree to which parents let kids experience money kids of parents who have frequent discussions and the most experiences with money are significantly more likely to think parents are doing a good job teaching them about money (82% vs. 22%) N=881 (Kid completed survey) 33

34 MONEY WHERE MOUTH IS

35 Saving for Emergencies OF THE 58% OF PARENTS WHO ARE VERY/EXTREMELY CONCERNED ABOUT SAVING FOR EMERGENCIES: 19% rank spending highest for what they are most likely to do with money that is left over after paying monthly bills 22% do not have an emergency fund 32% contribute regularly to an emergency fund N=1,000 (Total respondents) 35

36 Saving for Kids College Education OF THE 58% OF PARENTS WHO ARE VERY/EXTREMELY CONCERNED ABOUT SAVING FOR THEIR KIDS COLLEGE EDUCATION: 18% rank spending highest for what they are most likely to do with money that is left over after paying monthly bills 32% of married respondents have frequent discussions with their spouse about saving for kids college education 40% of those expecting an inheritance will use the money for kids college education 41% don t regularly save for their kids college education 52% would use an unexpected windfall of $1,000 to save for kids college education N=1,000 (Total respondents) 36

37 Paying Bills Month to Month OF THE 52% OF PARENTS WHO ARE VERY/EXTREMELY CONCERNED ABOUT BEING ABLE TO PAY BILLS MONTH TO MONTH: 17% rank spending highest for what they are most likely to do with money that is left over after paying monthly bills 26% don t have a household budget 51% make occasional/frequent impulse purchases 53% of married respondents have frequent discussions with their spouse about monthly spending/budgeting 62% say they spent more than they should have on holiday spending N=1,000 (Total respondents) 37

38 Taking on too Much Debt OF THE 51% OF PARENTS WHO ARE VERY/EXTREMELY CONCERNED ABOUT TAKING ON TOO MUCH DEBT: 28% pay their credit card bills in full each month 36% rank debt repayment highest for what they are most likely to do with money that is left over after paying monthly bills 48% of those expecting an inheritance will use the money to pay off debt 50% use credit cards to pay for holiday spending 53% make occasional/frequent impulse purchases N=1,000 (Total respondents) 38

39 Saving Enough for Retirement OF THE 62% OF PARENTS WHO ARE VERY/EXTREMELY CONCERNED ABOUT SAVING ENOUGH TO BE ABLE TO RETIRE: 24% of married respondents have frequent discussions with their spouse about retirement 31% save less than 5% of their annual income 38% rank saving highest for what they are most likely to do with money that is left over after paying monthly bills 38% of those expecting an inheritance will use the money to pay for retirement 41% regularly set financial goals 42% regularly save for retirement N=1,000 (Total respondents) 39

40 MEN S BAD BEHAVIOR

41 Men s Bad Behavior PERCENT OF PARENTS WHO: Men (N=500) Women (N=500) Tell kids they can't afford things when they really can 39% 54% Discuss family finances with friends 35% 55% Argue with their spouse about money 36% 46% Take money from their kid's piggy bank 24% 32% Lie to their kids about money 26% 38% Have a financial account their spouse is unaware of 25% 42% 0% 10% 20% 30% 40% 50% 60% Men are more likely than women to display various bad behaviors N=881 (Kid completed survey) 41

42 RESPONDENT PROFILE

43 Respondent Profile Q2. REGION Q1. AGE Q3. GENDER < 35 15% South 27% % Northeast West 25% 24% 50% Women Men 50% % Midwest 23% Q4. MARITAL STATUS Q5. HHI Q6. RACE/ETHNICITY Married 77% White/Caucasian 74% Separated/Divorced 11% < $50K 30% Black/African American 13% Single 9% $50K $99,999 44% Hispanic/Latino 13% Married (Same sex) 2% $100K + 26% Asian 5% Widow/Widower 1% Native American 1% T. Rowe Price Parents, Kids & Money Survey N=1,000 (Parents: Total respondents) 43

44 Respondent Profile Q7. EDUCATION LEVEL Q8. EMPLOYMENT STATUS Q9. # KIDS IN HH < HS graduate HS graduate 1% 15% Employed full-time Stay at home parent 16% 59% 1 31% Some college 19% Employed part-time 10% 2 44% Assoc. degree Bachelor's degree Graduate degree 16% 16% 33% Self-employed Unemployed Retired Student 5% 5% 3% 1% % 17% Q11. KID GENDER Q12. KID AGE 8 12% 9 14% 47% Girls Boys 53% % 14% 14% 13 15% 14 15% T. Rowe Price Parents, Kids & Money Survey N=1,000 (Parents: Total respondents); N=881 (Kids: Total respondents) 44

45 OBJECTIVE & METHODOLOGY

46 Objective & Methodology Objective To understand the basic financial knowledge, attitudes and behaviors of both parents of children ages 8-14 and their children ages Methodology T. Rowe Price commissioned an online survey of parents of children ages 8-14 and their children ages The survey was fielded from 1/20/15 to 1/27/15, with parent quotas of at least 50% men and 50% women. A total of 1,000 parents and 881 children ages 8-14 in the U.S. participated; the sampling error for a sample of 1,000 is +/- 3.1% at the 95% confidence interval. The survey was fielded through MarketTools, Inc. T. Rowe Price Parents, Kids & Money Survey 46

47 THANK YOU. CQPDJEJ5E

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