Consumer Research

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 Financial Health Network. Leadership support for USFD is provided by the Ford Foundation and the Citi Foundation, with additional support and guidance from the Omidyar Network.

U.S. Financial Diaries

U.S. Financial Diaries

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 Financial Health Network. 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.

Citi foundation

U.S. Financial Diaries: Savings Horizons

U.S. Financial Diaries: Savings plays a central role in conversations about American household finance. Surveys suggest that few American households save enough for retirement, nor are Americans adequately prepared for emergencies

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