savings behaviour
10 = [10]does not save
11 = [11]does not save: expenses exceed income
12 = [12]does not save: expenses about the same as income
20 = [20]saves

savings purpose: home purchase
0 = [0]not saving for home purchase
1 = [1]saving for home purchase

savings purpose: other major purchases
0 = [0]not saving for other major purchases
1 = [1]saving for other major purchases

savings purpose: financial investments (including business)
0 = [0]not saving for financial investments (including business)
1 = [1]saving for financial investments (including business)

savings purpose: old-age provisions
0 = [0]not saving for old-age provisions
1 = [1]saving for old-age provisions

savings purpose: paying debts
0 = [0]not saving for paying debts
1 = [1]saving for paying debts

savings purpose: unexpected events
0 = [0]not saving for unexpected events
1 = [1]saving for unexpected events

savings purpose: recreation and travel
0 = [0]not saving for recreation and travel
1 = [1]saving for recreation and travel

savings purpose: education
0 = [0]not saving for education
1 = [1]saving for education

savings purpose: other
0 = [0]not saving for other purposes
1 = [1]saving for other purposes

Amount of financial risk willing to take when saving or making investments
1 = [1]take substantial financial risks expecting to earn substantial returns
2 = [2]take above average financial risks expecting to earn above average returns
3 = [3]take average financial risks expecting to earn average returns
4 = [4]not willing to take any financial risks

Financial risk taking: scale from zero to ten
0 = [0]0=not at all willing to take financial risks
1 = [1]1
2 = [2]2
3 = [3]3
4 = [4]4
5 = [5]5
6 = [6]6
7 = [7]7
8 = [8]8
9 = [9]9
10 = [10]10=very willing to take risks

Most important time-frame for financial planning
1 = [1]next few months
2 = [2]next year
3 = [3]next few years
4 = [4]next 5-10 years
5 = [5]longer than 10 years

financial literacy on stock risk: single company's stock vs. stock mutual fund
0 = [0]FALSE: buying a single company's stock usually provides a safer return than a stock mutual fund
1 = [1]TRUE: buying a single company's stock usually provides a safer return than a stock mutual fund
9 = [9]don't know / refused to answer

Financial literacy on interest rates
1 = [1]more than $102
2 = [2]exactly $102
3 = [3]less than $102
9 = [9]don't know / refused

financial literacy on inflation
1 = [1]more than today
2 = [2]exactly the same as today
3 = [3]less than today
9 = [9]don't know / refused to answer

Financial literacy: knowledgeable about personal finance
0 = [0]0=not at all knowledgeable about personal finance
1 = [1]1
2 = [2]2
3 = [3]3
4 = [4]4
5 = [5]5
6 = [6]6
7 = [7]7
8 = [8]8
9 = [9]9
10 = [10]10=very knowledgeable about personal finance

professional source of information used for investing and/or borrowing decisions
0 = [0]doesn't use professional sources of information for borrowing and investing decisions
1 = [1]for borrowing and investing decisions
2 = [2]only for investing decisions
3 = [3]only for borrowing decisions

mass media source of information used for investing and/or borrowing decisions
0 = [0]doesn't use mass media sources of information for borrowing and investing decisions
1 = [1]for borrowing and investing decisions
2 = [2]only for investing decisions
3 = [3]only for borrowing decisions

internet source of information used for investing and/or borrowing decisions
0 = [0]doesn't use internet sources of information for borrowing and investing decisions
1 = [1]for borrowing and investing decisions
2 = [2]only for investing decisions
3 = [3]only for borrowing decisions

advertisement source of information used for investing and/or borrowing decision
0 = [0]doesn't use advertisement sources of information for borrowing and investing decisions
1 = [1]for borrowing and investing decisions
2 = [2]only for investing decisions
3 = [3]only for borrowing decisions

friends/relative/work source of information used for investing and/or borrowing
0 = [0]doesn't use friends/relative/work sources of information for borrowing and investing decisions
1 = [1]for borrowing and investing decisions
2 = [2]only for investing decisions
3 = [3]only for borrowing decisions

labour force status
100 = [100]employed
200 = [200]unemployed
300 = [300]not in labour force
310 = [310]retired
320 = [320]in education
330 = [330]disabled
340 = [340]homemaker

employed (dummy)
0 = [0]not employed
1 = [1]employed

ILO employed (dummy)
0 = [0]not ILO employed
1 = [1]ILO employed

informal activity (dummy)
0 = [0]formal activity
1 = [1]informal activity

maternity/paternity/parental leave (dummy)
0 = [0]not on maternity/paternity/parental leave
1 = [1]on maternity/paternity/parental leave

multiple jobs holder (dummy)
0 = [0]one job
1 = [1]more than one job

part-time employment (dummy), main job
0 = [0]full-time
1 = [1]part-time

status in employment, main job
100 = [100]dependent employed
110 = [110]regular employee
120 = [120]non regular employee
200 = [200]self-employed
210 = [210]employer
220 = [220]own-account worker
230 = [230]member of producers co-operative
240 = [240]contributing family worker

temporary employment (dummy), main job
0 = [0]permanent employment
1 = [1]temporary employment

public sector (dummy), main job
0 = [0]private sector
1 = [1]public sector

industry, derived from Census 2007 code
1 = [1]agriculture, forestry and fisheries
2 = [2]mining and construction
3 = [3]manufacturing
4 = [4]wholesale and retail trade
5 = [5]finance, insurance and real estate, business and repair services
6 = [6]transport, communic. and other public utilities, entertainment, personal, professional & related services
7 = [7]public administration and defence

industry (21-category ISIC 4), main job
1 = [1]A-agriculture, forestry and fishing
2 = [2]B-mining and quarrying
3 = [3]C-manufacturing
4 = [4]D-electricity, gas, steam and air conditioning supply
5 = [5]E-water supply; sewerage, waste management and remediation activities
6 = [6]F-construction
7 = [7]G-wholesale and retail trade; repair of motor vehicles and motorcycles
8 = [8]H-transportation and storage
9 = [9]I-accommodation and food service activities
10 = [10]J-information and communication
11 = [11]K-financial and insurance activities
12 = [12]L-real estate activities
13 = [13]M-professional, scientific and technical activities
14 = [14]N-administrative and support service activities
15 = [15]O-public administration and defence; compulsory social security
16 = [16]P-education
17 = [17]Q-human health and social work activities
18 = [18]R-arts, entertainment and recreation
19 = [19]S-other service activities
20 = [20]T-activities of households as employers; producing activities of households
21 = [21]U-activities of extraterritorial organizations and bodies
90 = [90]indistinguishable

industry (17-category ISIC 3.1), main job
1 = [1]A-agriculture, hunting and forestry
2 = [2]B-fishing
3 = [3]C-mining and quarrying
4 = [4]D-manufacturing
5 = [5]E-electricity, gas and water supply
6 = [6]F-construction
7 = [7]G-wholesale and retail trade; repair
8 = [8]H-hotels and restaurants
9 = [9]I-transport, storage and communications
10 = [10]J-financial intermediation
11 = [11]K-real estate, renting and business activities
12 = [12]L-public administration and defence; compulsory social security
13 = [13]M-education
14 = [14]N-health and social work
15 = [15]O-other community, social and personal service activities
16 = [16]P-activities of private households as employers
17 = [17]Q-extra-territorial organizations and bodies
90 = [90]indistinguishable

industry (9-category recode), main job
1 = [1]agriculture, forestry and fishing
2 = [2]mining and quarrying; manufacturing; utilities
3 = [3]construction
4 = [4]wholesale and retail trade, repair; hotels and restaurants
5 = [5]transport, storage and communications
6 = [6]financial intermediation
7 = [7]real estate, renting and business activities
8 = [8]public administration; education; health and social work
9 = [9]other community, social/personal services; activities of households; extra-territorial
90 = [90]indistinguishable

industry (3-category recode), main job
1 = [1]agriculture
2 = [2]industry
3 = [3]services
9 = [9]indistinguishable

occupation, derived from 2013 Census code
1 = [1]managerial and professional occupations
2 = [2]technical, sales, and administrative support occupations
3 = [3]service occupations (including armed forces)
4 = [4]precision production, craft, and repair occupations
5 = [5]operators, fabricators, and laborers
6 = [6]farming, forestry, and fishing occupations

occupation (10-category ISCO), main job
1 = [1]managers
2 = [2]professionals
3 = [3]technicians and associate professionals
4 = [4]clerical support workers
5 = [5]services and sales workers
6 = [6]skilled agricultural, forestry and fishery workers
7 = [7]craft and related trades workers
8 = [8]plant and machine operators and assemblers
9 = [9]elementary occupations
10 = [10]armed forces occupations
90 = [90]indistinguishable

occupation (3-category recode), main job
1 = [1]managers and professionals (ISCO 1 & 2)
2 = [2]other skilled workers (ISCO 3-8, 10)
3 = [3]labourers/elementary (ISCO 9)
9 = [9]indistinguishable

full-year full-time (dummy)
0 = [0]not full-year, full-time worker
1 = [1]worked full-year, full-time last year

illiterate (dummy)
0 = [0]literate
1 = [1]illiterate

enrolled in education (dummy)
0 = [0]not enrolled
1 = [1]enrolled

highest grade/degree of education completed or attended
0 = [0]no education
1 = [1]1st, 2nd, 3rd, or 4th grade
2 = [2]5th or 6th grade
3 = [3]7th and 8th grade
4 = [4]9th grade
5 = [5]10th grade
6 = [6]11th grade
7 = [7]12th grade, no high school diploma
8 = [8]high school graduate - high school diploma or equivalent
9 = [9]less than 1 year of college, no degree
10 = [10]1 year, or Freshman year of college, no degree
11 = [11]2 years, or Sophomore year, no degree
12 = [12]3 years, or Junior year of college, no degree
13 = [13]4 or more years of college, no degree
14 = [14]Associate degree in college - occupation/vocation program
15 = [15]Associate degree in college - academic program
16 = [16]Bachelor's degree (BA, AB, BS)
17 = [17]Master's degree (MA, MS, MENG, MED, MSW, MBA)
18 = [18]professional school degree or doctorate or equivalent degree (MD, DDS, DVM, LLB, JD, PhD, EDD)

highest completed education level
100 = [100]low, less than upper secondary
110 = [110]less than primary
111 = [111]never attended
120 = [120]primary
130 = [130]lower secondary
200 = [200]medium, upper secondary and post-secondary non-tertiary
210 = [210]upper secondary
220 = [220]post-secondary non-tertiary
300 = [300]high, tertiary
310 = [310]BA, MA or equivalent, short-cycle tertiary
311 = [311]short-cycle tertiary
312 = [312]bachelor or equivalent
313 = [313]master or equivalent
320 = [320]doctorate or equivalent

education (3-category recode)
1 = [1]low
2 = [2]medium
3 = [3]high

highest grade/degree of education of mother completed and attended
0 = [0]no education
1 = [1]12th grade or less, no high school diploma
2 = [2]high school graduate - high school diploma or equivalent
3 = [3]some college (no degree) or associate degree in college
4 = [4]Bachelor's, Master's, or professional school degree (BA, AB, BS, MA, MS, MENG, MED, MSW, MBA,MD, DDS, DVM, LLB, JD, P

country of birth
2106 = [2106]Middle, Eastern and Southern Africa
2107 = [2107]Middle, Eastern, Western and Southern Africa
2146 = [2146]Democratic Republic of the Congo(formerly Zaire)
2167 = [2167]Western Sahara, Non-Self Gov. Territory
2197 = [2197]Saint Helena(U.K.), Non-Self Gov. Territory
2206 = [2206]Caribbean, Central and South America
2233 = [2233]Anguilla (U.K.), Non-Self Gov. Territory
2234 = [2234]British Virgin Islands (U.K.), Non-Self Gov. Territory
2235 = [2235]Cayman Islands (U.K.), Non-Self Gov. Territory
2236 = [2236]Montserrat (U.K.), Non-Self Gov. Territory
2237 = [2237]Turks and Caicos Islands (U.K.), Non-Self Gov. Territory
2238 = [2238]United States Virgin Islands (U.S.A.), Non-Self Gov. Territory
2275 = [2275]Falkland Islands (Malvinas) (U.K.), Non-Self Gov. Territory
2285 = [2285]Bermuda (U.K.), Non-Self Gov. Territory
2322 = [2322]Hong Kong, Special Admin. Region of China
2323 = [2323]Macao Special Admin. Region of China
2324 = [2324]Democratic People's Republic of Korea
2422 = [2422]Czechoslovakia (ceased to exist 1992)
2448 = [2448]United Kingdom of Great Britain and Northern Ireland
2468 = [2468]FRY/State Union of Serbia and Montenegro (ceased to exist in 2003/2006)
2469 = [2469]Federal People's Republic of Yugoslavia (ceased to exist 1992)
2525 = [2525]New Caledonia (France), Non-Self Gov. Territory
2537 = [2537]Guam (U.S.A.), Non-Self Gov. Territory
2548 = [2548]American Samoa (U.S.A.), Non-Self Gov. Territory
2549 = [2549]Pitcairn (U.K.), Non-Self Gov. Territory
2551 = [2551]Tokelau (New Zealand), Non-Self Gov. Territory

citizenship
1000 = [1000]citizen of the country of the survey
2106 = [2106]Middle, Eastern and Southern Africa
2107 = [2107]Middle, Eastern, Western and Southern Africa
2146 = [2146]Democratic Republic of the Congo(formerly Zaire)
2167 = [2167]Western Sahara, Non-Self Gov. Territory
2197 = [2197]Saint Helena(U.K.), Non-Self Gov. Territory
2206 = [2206]Caribbean, Central and South America
2233 = [2233]Anguilla (U.K.), Non-Self Gov. Territory
2234 = [2234]British Virgin Islands (U.K.), Non-Self Gov. Territory
2235 = [2235]Cayman Islands (U.K.), Non-Self Gov. Territory
2236 = [2236]Montserrat (U.K.), Non-Self Gov. Territory
2237 = [2237]Turks and Caicos Islands (U.K.), Non-Self Gov. Territory
2238 = [2238]United States Virgin Islands (U.S.A.), Non-Self Gov. Territory
2275 = [2275]Falkland Islands (Malvinas) (U.K.), Non-Self Gov. Territory
2285 = [2285]Bermuda (U.K.), Non-Self Gov. Territory
2322 = [2322]Hong Kong, Special Admin. Region of China
2323 = [2323]Macao Special Admin. Region of China
2324 = [2324]Democratic People's Republic of Korea
2422 = [2422]Czechoslovakia (ceased to exist 1992)
2448 = [2448]United Kingdom of Great Britain and Northern Ireland
2468 = [2468]FRY/State Union of Serbia and Montenegro (ceased to exist in 2003/2006)
2469 = [2469]Federal People's Republic of Yugoslavia (ceased to exist 1992)
2525 = [2525]New Caledonia (France), Non-Self Gov. Territory
2537 = [2537]Guam (U.S.A.), Non-Self Gov. Territory
2548 = [2548]American Samoa (U.S.A.), Non-Self Gov. Territory
2549 = [2549]Pitcairn (U.K.), Non-Self Gov. Territory
2551 = [2551]Tokelau (New Zealand), Non-Self Gov. Territory

race/ethnicity
1 = [1]white (including Middle Eastern native/arab)/ caucasian
2 = [2]black/ African-American
3 = [3]hispanic/latino
4 = [4]other: Asian, American Indian, Alaska native, native Hawaiian/ Pacific islander

immigrant (dummy)
0 = [0]not immigrant
1 = [1]immigrant

disabled (dummy)
0 = [0]not disabled
1 = [1]disabled

subjective health status
1 = [1]excellent
2 = [2]good
3 = [3]fair
4 = [4]poor

data wave
0 = [0]Historical Wave
1 = [1]Wave I
2 = [2]Wave II
3 = [3]Wave III
4 = [4]Wave IV
5 = [5]Wave V
6 = [6]Wave VI
7 = [7]Wave VII
8 = [8]Wave VIII
9 = [9]Wave IX
10 = [10]Wave X
11 = [11]Wave XI
12 = [12]Wave XII
13 = [13]Wave XIII

currency units
528 = [528]NLG - Netherlands Guilder (historic)

gross/net income information
100 = [100]gross, taxes and contributions fully captured
110 = [110]gross, taxes and contributions collected
120 = [120]gross, taxes and contributions imputed
200 = [200]net, taxes and contributions not captured
300 = [300]mixed, taxes and contributions insufficiently captured
310 = [310]mixed, total income account for full taxes and contributions, subcomponents do not
320 = [320]mixed, total income does not account for full taxes and contributions

individual income imputation (dummy)
0 = [0]no income imputation
1 = [1]income imputation

gender
1 = [1]male
2 = [2]female

marital status
100 = [100]married/in union
110 = [110]married
120 = [120]in consensual union
200 = [200]not married/not in union
210 = [210]never married/not in union
220 = [220]formerly married/in union
221 = [221]separated
222 = [222]divorced
223 = [223]widowed

relationship to household head
1000 = [1000]head
2000 = [2000]spouse/partner
2100 = [2100]spouse
2200 = [2200]cohabiting partner
3000 = [3000]child
3100 = [3100]own child (incl adopted)
3200 = [3200]step-child
3300 = [3300]foster child
4000 = [4000]other
4100 = [4100]other relative
4110 = [4110]spouse/partner of child
4120 = [4120]grandchild or greatgrandchild (incl in-laws)
4130 = [4130]parent/grandparent/ascendant (incl in-laws)
4131 = [4131]parent/grandparent/ascendant
4132 = [4132]parent/grandparent/ascendant-in-law
4140 = [4140]siblings (incl in-laws)
4150 = [4150]aunt/uncle
4160 = [4160]nephew/niece
4170 = [4170]cousin
4200 = [4200]other non-relative
4210 = [4210]housemate/roommate
4220 = [4220]domestic employee and his/her family
4230 = [4230]guest/visitor/boarder/lodger

living with partner (dummy)
0 = [0]not living with partner
1 = [1]living with partner

living with parents
100 = [100]living with parent(s)
110 = [110]living with one parent
120 = [120]living with two parents
200 = [200]not living with parent(s)