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D18. Relying On Aid: Retired Singles
Struggling retired singles. Barely getting by. Mostly Medicare/Medicaid dependent. No savings. Very low discretionary spending and income. High credit utilization; few lines of credit.
% of HHs: 0.22%
Income: $26.5K
Spending: $12K
Credit Use: Very High
D19. Rough Retirement: Small-Town and Rural Seniors
Small-town and rural retirees. Mixed married and single. Modest incomes and low discretionary spending. High credit utilization and high balances relative to income. Traditionalists. High-school educations.
% of HHs: 0.79%
Income: $42.2K
Spending: $18.2K
Credit Use: High
D20. Struggling Elders: Singles
Elderly retirees. Most are single/widowed. Few credit lines. Savers with low credit utilization. Sedentary lifestyles. Medicaid/Medicare dependent.
% of HHs: 3.87%
Income: $34.8K
Spending: $14.1K
Credit Use: High
D21. Modest Means: Urban Retirees
Big city retirees of modest means. Low credit activity. Savers rather than spenders. Bargain hunters. Medicare/Medicaid dependent. Religious with traditional values. Use credit judiciously.
% of HHs: 0.7%
Income: $44.1K
Spending: $28.1K
Credit Use: High
H39. Retired on Credit: City Singles and Couples
Seventy-something retired singles and couples, no kids. Average income and discretionary spending. High credit utilization. High school. Homeowners in mid-size cities and major metro areas. Use coupons. Not physically active.
% of HHs: 1.3%
Income: $61.4K
Spending: $26.9K
Credit Use: High
H40. Safety Net Seniors: Small-Town Retired Couples
Retirees with conservative views and finances. Small town and rural. Dislike risky investing. Average credit use. Average discretionary spending. Simple lives, few interests.
% of HHs: 1.51%
Income: $77.7K
Spending: $31.4K
Credit Use: Moderate
H41. Nest Egg Elders: Older Retirees
Elderly retirees with moderate savings. Homeowners. Most are single/widowed. Tight discretionary spending. Limited credit use. Sedentary lives. Health conscious.
% of HHs: 5.55%
Income: $68.8K
Spending: $31.2K
Credit Use: Moderate
H42. Comfortable Retirement: Suburban Couples
Older retired, suburban singles and couples. Creatures of habit. Spend within their means. Low credit reliance. Never or rarely carry a credit card balance. Prefer low risk investments. Savers.
% of HHs: 2.14%
Income: $88.8K
Spending: $43.6K
Credit Use: Low
L60. Comfortable with Credit: Upscale Retirees
Retired couples and singles in city areas. High income. Moderate discretionary spending. Credit active. Homeowners. Conservative investors. Slowing down.
% of HHs: 1.97%
Income: $114.9K
Spending: $39.9K
Credit Use: Moderate
L61. Rewarding Retirement: Affluent Suburbanites
Couples in upscale city neighborhoods, no kids. Healthy retirement incomes. Moderate discretionary spending. Very low credit utilization. Homeowners. College-educated. Very conservative. Follow current events.
% of HHs: 1.86%
Income: $130.6K
Spending: $45K
Credit Use: Moderate
L62. Affluent Elders: Older Upscale Suburbanites
Educated elderly retirees in upscale city neighborhoods. Significant retirement income, moderate discretionary spending. Low credit utilization. Generally financially conservative. Satisfied with lifestyles.
% of HHs: 2.36%
Income: $129.1K
Spending: $53.8K
Credit Use: Low
L63. Established Wealth: Suburban Retirees
Well-off couples in upscale city suburbs. Some credit use. High income and discretionary spending. Enjoy spending but seldom make impulse purchases. Weekend/vacation home.
% of HHs: 3.11%
Income: $165.6K
Spending: $96K
Credit Use: Very Low
P70. Flush Funds: Wealthy Urban Seniors
Very well-off retirees in upscale city neighborhoods. Financially conservative savers. High income from well-planned investments. Relatively low credit use. Enjoying retirement. Brands matter.
% of HHs: 0.54%
Income: $216.3K
Spending: $130.6K
Credit Use: Very Low
P71. Diamonds and Pearls: Wealthiest Retirees
Married seniors with high incomes. Best suburbs. Very high discretionary spenders, especially on travel. Very ample, diversified financial resources, professionally managed. Luxury retirement.
% of HHs: 0.67%
Income: $279.7K
Spending: $221.5K
Credit Use: Very Low