U.S. Financial Diaries

The U.S. Financial Diaries (USFD) research project tracked 235 low- and moderate-income households over the course of a year to collect highly detailed data on how families manage their finances on a day-to-day basis. This research reveals hard-to-see aspects of the financial lives of working Americans, providing new insight for the design of financial services policies, programs and products for a broad range of Americans.

USFD is a joint initiative of NYU Wagner’s Financial Access Initiative (FAI) and The Center for Financial Services Innovation (CFSI). Leadership support for USFD is provided by the Ford Foundation and the Citi Foundation, with additional support and guidance from the Omidyar Network.

The Financial Diaries

While much of the income and wealth inequality conversation focuses on what’s happening at the top, The Financial Diaries provides an unparalleled view of what life is like in the bottom half.
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The U.S. Financial Diaries (USFD) is a joint initiative of NYU Wagner’s Financial Access Initiative (FAI) and The Center for Financial Services Innovation (CFSI). Leadership support for USFD is provided by the Ford Foundation and the Citi Foundation, with additional support and guidance from the Omidyar Network.

Sponsorship of digital and event support for USFD is provided by Citi Foundation.

Explore Common Issues and Challenges

Read the U.S. Financial Diaries Issue Briefs to explore topics illuminated by detailed financial data as well as stories from household members.

Take a Deeper Look at the Financial Lives of American Families

Understand the financial lives of some of that families in the USFD study with Household Profiles.

Financial Diaries

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