Consumer Expenditure Survey LABSTAT age tables
U.S. Bureau of Labor Statistics
Official annual expenditure-component benchmarks by reference-person age band.
Data sources
Source registry
The official surveys and economic series assigned to each part of the household-finance comparison.
Retroactive CPI-U-RS
U.S. Bureau of Labor Statistics
Historical inflation adjustment for cross-year cash-flow estimates.
New Residential Sales
U.S. Census Bureau and U.S. Department of Housing and Urban Development
New-home prices and sales used in housing-entry context.
Consumer Expenditure Survey
U.S. Bureau of Labor Statistics
Household income, recurring expenses, housing cash payments, and cash-flow measures.
CPS Annual Social and Economic Supplement
U.S. Census Bureau
Income validation, annual trends, and household-composition checks.
Household Debt Service Ratio
Federal Reserve Board
Aggregate validation context for required household debt payments.
Archived historical-method source used here; read the national comparison and methodology boundary.
Survey of Household Economics and Decisionmaking
Federal Reserve Board
Independent 2022 education-debt magnitude and cash-buffer/spending plausibility comparisons; adult self-reports are not equated with SCF family accounts or modeled CEX shortfalls.
See the numerical comparisons and their material differences. This is an independent plausibility check, not an input to the model.
FHFA House Price Index
Federal Housing Finance Agency
House-price change used in housing-entry comparisons.
Primary Mortgage Market Survey
Freddie Mac
Prevailing mortgage rates used in housing-entry scenarios.
AHS and ACS housing microdata
U.S. Census Bureau and U.S. Department of Housing and Urban Development
Direct rent, mortgage, property-tax, and homeowners-insurance cash costs.
TAXSIM 35
National Bureau of Economic Research
Consistent federal and state personal-income-tax estimates across CEX comparison vintages.
Survey of Consumer Finances
Federal Reserve Board
Net worth, liquid assets, home equity, debt, retirement accounts, and household balance sheets.