Working Years Age 35-54

B7. Mid-Life Strugglers: Families
Struggling families with kids. Mixed marital status. Income barely covers discretionary spending. Very high credit utilization. Renters with blue collar jobs.

B8. Mid-Life Strugglers: Singles
Struggling middle-aged singles. Blue collar jobs, high school educations. Very high utilization of few lines of credit. Unsophisticated finances. Enjoy solitary activities.

B9. Getting By: Small-Town Families
Blue-collar, dual-income families with kids. About half are married. Small town/rural. High-school educated, homeowners and renters. Expense conscious. High credit utilization. Simple finances.

B10. Getting By: Small-Town Singles and Couples
Blue collar, singles and couples, no kids. Small-town lifestyle. Financially uninvolved. High-school educated. Enjoy simple pleasures.

B11. Credit Crunched: City Families
Families with kids, living in downscale, big city neighborhoods. Blue collar occupations. High credit utilization on relatively small number of credit lines. Spenders rather than savers.

B12. Credit Crunched: City Singles
Mostly singles. No kids. Downscale, inner city neighborhoods. Credit poorly managed, high utilization. Spenders not savers. Impulse shoppers and lottery players. Approval seekers.

F28. Living Simply: Small-Town Families
Families with teens in small towns and rural areas. Average incomes and discretionary spending. Moderate credit utilization. Family-oriented and child-influenced.

F29. Living Simply: Small-Town Singles and Couples
Couples and singles in small towns and rural areas; no kids. Average incomes and discretionary spending. Moderate credit utilization. Middle-of-the-road politics. Not materially focused.

F30. Credit Rules: Urban Families
Families with teens in downscale city neighborhoods. Moderate income, average discretionary spending. High credit utilization. Desire higher social status. Child-influenced.

F31. Credit Rules: Urban Singles
Mostly singles in downscale city neighborhoods. Moderate incomes. High credit utilization. Carry a balance. Living for today. Not saving. Keep up with technology trends. No kids.

F32. Suburban Stability: Families
Mostly forty-somethings, married with kids. Suburbs of big cities. Somewhat higher than average income; moderate discretionary spending; use credit wisely. Dual-income professionals. Homeowners. Priority parents.

F33. Suburban Stability: Singles and Couples
Singles and couples; no kids. Financially balanced. Healthy income, moderate discretionary spending. Spend a little, save a little. Credit in check. Commuting professionals. Homeowners.

J49. House of Cards: Suburban Families
Family-oriented couples with kids. Use credit cards; many loans. Often carry credit card balances. High income, moderate discretionary spending levels. Limited investments. Spenders more than savers.

J50. House of Cards: Suburban Singles and Couples
Singles and couples; no kids. Reliant on a large number of credit cards and loans. Occasionally take financial risks. High income, moderate discretionary spending levels. Play the lottery.

J51. Prudent Professionals: Suburban Families
Economically prudent, highly-educated suburban homeowners. Low discretionary spending levels relative to their high income. Low credit utilization. Have life insurance.

J52. Prudent Professionals: Suburban Singles and Couples
Couples and singles in midscale and upscale city neighborhoods; no kids. High income, moderate discretionary spending habits. Careful money managers; low credit utilization. Homeowners. Educated professionals.

J53. Suburban Success: Upscale Families
Families with high incomes and discretionary spending. Low credit utilization. Rarely carry a balance. College educated. Well-insured homeowners. Bank online.

J54. Suburban Success: Upscale Singles and Couples
Singles and couples in or near cities, no kids. High incomes and discretionary spending. Low credit utilization. Homeowners. College educated.

N65. Careers First: Urbanites
Hardworking, very affluent professionals in upscale inner city districts. Some with kids. Homeowners. High discretionary spending compared to peers. Well-managed credit. Financially sophisticated.

N66. Executive Spenders: Suburban Families
Affluent, active families with kids. Upscale suburbs. High income and discretionary spending. Well-managed credit; many expenses. Highly-educated.

N67. Executive Spenders: Suburban Couples
Well-educated professionals in upscale suburbs. High discretionary spending. Materialistic. Well-planned investments. Credit active; credit well managed.