T. Rowe Price’s 2017 Parents, Kids & Money Survey analyzed parent attitudes and behaviors that were associated with kids’ financial habits. The survey found that positive money behaviors and expectations among kids are often associated with parents’ decision to let their kids decide how to save and spend their money on their own, as well as modeling good financial habits. Conversely, troubling financial habits among kids were more frequently seen when parents have a troubling history with money. Learn more in this deck.
T. Rowe Price’s 2020 Parents, Kids & Money Survey found that parents who try to keep up a financial façade are more reluctant to discuss money with their kids. To help parents discuss money with their kids, the firm created MoneyConfidentKids.com.
T. Rowe Price’s 14th annual Parents, Kids & Money Survey, which sampled more than 2,000 parents and their 8- to 14-year-old kids, reveals insights around parents’ and kids’ knowledge and interest in cryptocurrency. This year’s survey findings also underscore the ongoing impacts of the pandemic, notably how the economic fallout from the pandemic has disproportionately impacted women, referred to by some as a “She-cession.” To help parents discuss money matters with their kids, the firm created MoneyConfidentKids.com, which provides free online educational games, classroom lessons for educators, and tips for parents that are focused on financial concepts, such as goal-setting, spending versus saving, inflation, asset allocation, and investment diversification.
T. Rowe Price’s 2021 Parents, Kids & Money Survey found that the pandemic’s impact to families’ financial well-being has compelled more parents than ever to have money conversations with their kids. To help parents discuss money matters with their kids, the firm created MoneyConfidentKids.com.
Credit Suisse Group: A Brief PresentationCredit Suisse
Would you like a brief overview of Credit Suisse Group?
These presentation slides will give you the basic facts & figures about Credit Suisse Group.
Download (PDF): http://csg.com/OXVPUe
Summary: Even in a time of high biopharma valuations, adopting an activist mentality adds rigor to capital allocation and strategic decision-making, improving not just returns to shareholders but long-term value creation. Therefore, biopharma management teams and boards of directors should proactively assess the “fitness” of their capital allocation strategies and their alignment with operational performance goals by taking an outsider’s view of the business even when times are good — and before a material stumble provides a compelling reason for an outsider to act. For more on this topic, go to http://www.ey.com/GL/en/Industries/Life-Sciences/EY-vital-signs-how-fit-is-your-capital-allocation-strategy.
T. Rowe Price’s 2016 Parents, Kids & Money survey revealed that many parents are willingly overextending their finances to fulfill their kids’ holiday wish lists. 53% of parents agree with the statement, “I try to get everything on my kids’ lists, no matter how much it costs.” Additionally, 64% of parents agree with the statement, “I spent more over the holidays than I should have.” Parents spent an average of $422 on each child’s holiday presents.
On top of the financial cost, there is also an opportunity cost that comes with checking everything on kids wish lists. Prioritizing wants and making trade-offs teach kids valuable money lessons. T. Rowe Price encourages parents to invest in their kids’ futures by talking to them about money matters weekly. To help, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on financial concepts such as goal setting, spending versus saving, inflation, asset allocation, and investment
T. Rowe Price: Understanding Investor Attitudes Toward RetirementT. Rowe Price
A new T. Rowe Price study revealed that nearly half (47%) of baby boomers and Gen Xers believe their ideal retirement is very attainable and another 45% believe it is somewhat attainable. The study included a national sample of 2,000 individuals age 36 or older who are either retired or who have taken initial steps to prepare for retirement.
T. Rowe Price’s 2020 Parents, Kids & Money Survey found that parents who try to keep up a financial façade are more reluctant to discuss money with their kids. To help parents discuss money with their kids, the firm created MoneyConfidentKids.com.
T. Rowe Price’s 14th annual Parents, Kids & Money Survey, which sampled more than 2,000 parents and their 8- to 14-year-old kids, reveals insights around parents’ and kids’ knowledge and interest in cryptocurrency. This year’s survey findings also underscore the ongoing impacts of the pandemic, notably how the economic fallout from the pandemic has disproportionately impacted women, referred to by some as a “She-cession.” To help parents discuss money matters with their kids, the firm created MoneyConfidentKids.com, which provides free online educational games, classroom lessons for educators, and tips for parents that are focused on financial concepts, such as goal-setting, spending versus saving, inflation, asset allocation, and investment diversification.
T. Rowe Price’s 2021 Parents, Kids & Money Survey found that the pandemic’s impact to families’ financial well-being has compelled more parents than ever to have money conversations with their kids. To help parents discuss money matters with their kids, the firm created MoneyConfidentKids.com.
Credit Suisse Group: A Brief PresentationCredit Suisse
Would you like a brief overview of Credit Suisse Group?
These presentation slides will give you the basic facts & figures about Credit Suisse Group.
Download (PDF): http://csg.com/OXVPUe
Summary: Even in a time of high biopharma valuations, adopting an activist mentality adds rigor to capital allocation and strategic decision-making, improving not just returns to shareholders but long-term value creation. Therefore, biopharma management teams and boards of directors should proactively assess the “fitness” of their capital allocation strategies and their alignment with operational performance goals by taking an outsider’s view of the business even when times are good — and before a material stumble provides a compelling reason for an outsider to act. For more on this topic, go to http://www.ey.com/GL/en/Industries/Life-Sciences/EY-vital-signs-how-fit-is-your-capital-allocation-strategy.
T. Rowe Price’s 2016 Parents, Kids & Money survey revealed that many parents are willingly overextending their finances to fulfill their kids’ holiday wish lists. 53% of parents agree with the statement, “I try to get everything on my kids’ lists, no matter how much it costs.” Additionally, 64% of parents agree with the statement, “I spent more over the holidays than I should have.” Parents spent an average of $422 on each child’s holiday presents.
On top of the financial cost, there is also an opportunity cost that comes with checking everything on kids wish lists. Prioritizing wants and making trade-offs teach kids valuable money lessons. T. Rowe Price encourages parents to invest in their kids’ futures by talking to them about money matters weekly. To help, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on financial concepts such as goal setting, spending versus saving, inflation, asset allocation, and investment
T. Rowe Price: Understanding Investor Attitudes Toward RetirementT. Rowe Price
A new T. Rowe Price study revealed that nearly half (47%) of baby boomers and Gen Xers believe their ideal retirement is very attainable and another 45% believe it is somewhat attainable. The study included a national sample of 2,000 individuals age 36 or older who are either retired or who have taken initial steps to prepare for retirement.
2016 Parents, Kids and Money Survey ResultsT. Rowe Price
T. Rowe Price's 2016 Parents, Kids & Money Survey found that parents’ reluctance to discuss money with their kids has not yet translated to a reluctance to spend it on them. Nearly half of parents (46%) have gone into debt to cover something their kids want and most worry about spoiling their kids (58%). Yet less than half (44%) of parents take advantage of the opportunity to discuss money with their kids most of the time.
“Parents would be better served investing the time to discuss money matters with their kids rather than investing their money in more stuff,” says Stuart Ritter, CFP®, a senior financial planner at T. Rowe Price.
T. Rowe Price encourages parents to invest in their kids’ futures by talking with them about money matters weekly. The survey found that parents who discuss financial topics with their kids at least once a week are nearly twice as likely to have kids who say they are smart about money (68% vs. 36%). To help, T. Rowe Price created MoneyConfidentKids.com, which provides free online games for kids, tips for parents focused on financial concepts such as goal setting, spending versus saving, inflation, asset allocation, and investment diversification, as well as lessons for educators.
Finding efficient methods of deploying redundancy is paramount especially in multi-tenant and colocation data centers. Here we cover the importance of a design that allows for uptime and the ability to cost-effectively "grow as you go".
The Value Game-Changer: Digital Performance in The Post and Parcel Industryaccenture
Returns on digital investments are hard to quantify. To help companies better understand the interplay between digital and financial performance, Accenture created the Digital Performance Index, based on a study of more than 1,300 companies in eight industries.
2017 Market Outlook - Global Fixed IncomeT. Rowe Price
Portfolio Manager Quentin Fitzsimmons discusses his perspective on the current global fixed income environment and what investors could expect to see in 2017.
Our sixth annual Parents, Kids & Money Survey revealed that boys and girls are not equally prepared when it comes to learning about money matters at home. We also found a correlation between talking to kids of either gender about financial concepts and kids developing positive financial behaviors.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
Our seventh annual Parents, Kids & Money Survey revealed that parents are letting their kids, who are 8-14 years old, learn about money the hard way, but may not be having the appropriate financial conversations to help guide their decisions. Additionally, the survey found that a growing number of parents think that it is appropriate for schools to teach financial education, and 75% of parents think there should be a personal finance requirement to graduate high school.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
T. Rowe Price’s 2019 Parents, Kids & Money Survey found that stress among parents who are caring for both their kids and aging family members, commonly known as the sandwich generation, is negatively impacting their money habits and their kids’ money habits.
T. Rowe Price's 10th Annual Parents, Kids & Money Survey – Holiday Spending T. Rowe Price
The findings related to holiday saving and spending in T. Rowe Price’s 2018 Parents, Kids, & Money Survey found that parents who try to get everything on their kids’ holiday wish lists are more likely to report that they have gone into debt for their kids, worry that they’re spoiling their kids, and have kids who are less likely to save their own money. Additionally, parents who participate in promotional days, such as Black Friday and Cyber Monday, are more likely to splurge.
T. Rowe Price Parents, Kids & Money Survey- Holiday Saving and Spending FindingsT. Rowe Price
T. Rowe Price’s 2017 Parents, Kids & Money Survey found that parents who never stick to their holiday spending budget are more likely to shop exclusively in stores (36% vs. 18%). And parents who follow their budgets are more likely to shop mostly or exclusively online (39% vs. 23%). Learn more in this deck.
T. Rowe Price’s 2016 Parents, Kids & Money Survey T. Rowe Price
This year, T. Rowe Price's Parents, Kids & Money Survey revealed some interesting new data on the evolving perceptions money among today's children and their parents. We found that many kids (62%) expect their parents to cover the cost of “whatever college I want to go to.” Yet most parents (65%) will only be able to contribute some to the cost of college. And, the results suggest that student loans can lead to increased anxiety and financial stress. Parents with their own student loans are more likely to lose sleep over college costs (49% vs. 40%), and are significantly more likely to have credit card debt (67% vs. 54%) and payday loans (19% vs. 7%).
Judith Ward, CFP®, a senior financial planner at T. Rowe Price and mother of two college graduates, notes, “Preparing for college entails more than studying for the SATs and should begin before kids have even started Kindergarten. It starts with saving for college in accounts such as 529's and having regular money conversations at a young age, so later they’ll be able to understand the financial trade-offs involved in selecting a college.”
T. Rowe Price encourages parents to invest in their kids' futures by talking to them about money matters weekly, including how they are saving for their college. To help, the firm has created MoneyConfidentKids.com, which provides free, educational, online games for kids; tips for parents that are focused on financial concepts such as goal setting, spending versus saving, inflation, asset allocation, and investment diversification; as well as classroom lessons for educators.
Family Holiday Saving & Spending TrendsT. Rowe Price
Our Parents, Kids & Money Survey found most parents say that they overspend on their kids’ holiday gifts. While many parents use their current income and credit cards to cover holiday spending, a surprising percentage have also tapped into their retirement savings (7%) and their emergency fund (9%).
“Our long-term goals, such as saving for retirement and having an emergency fund, should arguably take priority over anything that is purchased during a Black Friday sale,” says Stuart Ritter, CFP®, a senior financial planner at T. Rowe Price. “Kids will always have long wish lists, and it’s good for them to know that there isn’t always enough money to cover everything. Challenging them to make trade-offs and prioritize their wants is essential to helping them develop financial capabilities.”
T. Rowe Price encourages parents to invest in their kids’ futures by talking with them about money matters weekly. To help with this goal, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on financial concepts such as goal setting, spending versus saving, inflation, and diversification.
T. Rowe Price Parents, Kids & Money Survey- College Related FindingsT. Rowe Price
T. Rowe Price’s 2017 Parents, Kids & Money Survey revealed some significant differences in parents’ inclination to save and pay for college based on the gender of their child. We found that parents who have all boys are going to greater lengths to support their kids’ college education than parents of all girls. Learn more in this deck.
T. Rowe Price's Parents, Kids & Money survey revealed that kids who get an allowance are more money savvy than those who do not. The single biggest factor associated with financially knowledgeable kids, however, is whether their parents talk to them about money matters. Money lessons can be most powerful when parents combine conversations with experiences.
"Conversations can guide experience, and experience can put those conversations into practice—the two work together," says Judith Ward, a senior financial planner at T. Rowe Price.
T. Rowe Price encourages parents to talk to their kids about money matters weekly. To help, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on the financial concepts.
Kicking off the world’s largest financial content expo, FinCon 2016, Experian — together with eight bloggers — announced the findings from a nationwide consumer survey that covers the gamut of personal finance topics. What did we learn?
• Respondents feel optimistic about their finances, but stress surrounding income expectations, debt reduction and retirement investments diminish their confidence in a strong financial future
• Lack of income and funds are considered the main reasons for financial woes, not respondents’ fiscal behavior
• Financial education is key to debt reduction and increased savings, according to respondents
2015 Family Financial Trade-offs Survey HighlightsT. Rowe Price
T. Rowe Price's 2015 Family Financial Trade-offs Survey revealed that parents are putting their own retirement security on the back-burner to support their kids’ education and cover their own personal student loans. In this survey, we examined how families are saving and paying for college, saving for retirement, and their current attitudes and feelings about their competing financial priorities. The survey is based on a national sample of 2,000 parents who have a retirement account, and have kids ages 15 and under.
2016 Parents, Kids and Money Survey ResultsT. Rowe Price
T. Rowe Price's 2016 Parents, Kids & Money Survey found that parents’ reluctance to discuss money with their kids has not yet translated to a reluctance to spend it on them. Nearly half of parents (46%) have gone into debt to cover something their kids want and most worry about spoiling their kids (58%). Yet less than half (44%) of parents take advantage of the opportunity to discuss money with their kids most of the time.
“Parents would be better served investing the time to discuss money matters with their kids rather than investing their money in more stuff,” says Stuart Ritter, CFP®, a senior financial planner at T. Rowe Price.
T. Rowe Price encourages parents to invest in their kids’ futures by talking with them about money matters weekly. The survey found that parents who discuss financial topics with their kids at least once a week are nearly twice as likely to have kids who say they are smart about money (68% vs. 36%). To help, T. Rowe Price created MoneyConfidentKids.com, which provides free online games for kids, tips for parents focused on financial concepts such as goal setting, spending versus saving, inflation, asset allocation, and investment diversification, as well as lessons for educators.
Finding efficient methods of deploying redundancy is paramount especially in multi-tenant and colocation data centers. Here we cover the importance of a design that allows for uptime and the ability to cost-effectively "grow as you go".
The Value Game-Changer: Digital Performance in The Post and Parcel Industryaccenture
Returns on digital investments are hard to quantify. To help companies better understand the interplay between digital and financial performance, Accenture created the Digital Performance Index, based on a study of more than 1,300 companies in eight industries.
2017 Market Outlook - Global Fixed IncomeT. Rowe Price
Portfolio Manager Quentin Fitzsimmons discusses his perspective on the current global fixed income environment and what investors could expect to see in 2017.
Our sixth annual Parents, Kids & Money Survey revealed that boys and girls are not equally prepared when it comes to learning about money matters at home. We also found a correlation between talking to kids of either gender about financial concepts and kids developing positive financial behaviors.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
Our seventh annual Parents, Kids & Money Survey revealed that parents are letting their kids, who are 8-14 years old, learn about money the hard way, but may not be having the appropriate financial conversations to help guide their decisions. Additionally, the survey found that a growing number of parents think that it is appropriate for schools to teach financial education, and 75% of parents think there should be a personal finance requirement to graduate high school.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
T. Rowe Price’s 2019 Parents, Kids & Money Survey found that stress among parents who are caring for both their kids and aging family members, commonly known as the sandwich generation, is negatively impacting their money habits and their kids’ money habits.
T. Rowe Price's 10th Annual Parents, Kids & Money Survey – Holiday Spending T. Rowe Price
The findings related to holiday saving and spending in T. Rowe Price’s 2018 Parents, Kids, & Money Survey found that parents who try to get everything on their kids’ holiday wish lists are more likely to report that they have gone into debt for their kids, worry that they’re spoiling their kids, and have kids who are less likely to save their own money. Additionally, parents who participate in promotional days, such as Black Friday and Cyber Monday, are more likely to splurge.
T. Rowe Price Parents, Kids & Money Survey- Holiday Saving and Spending FindingsT. Rowe Price
T. Rowe Price’s 2017 Parents, Kids & Money Survey found that parents who never stick to their holiday spending budget are more likely to shop exclusively in stores (36% vs. 18%). And parents who follow their budgets are more likely to shop mostly or exclusively online (39% vs. 23%). Learn more in this deck.
T. Rowe Price’s 2016 Parents, Kids & Money Survey T. Rowe Price
This year, T. Rowe Price's Parents, Kids & Money Survey revealed some interesting new data on the evolving perceptions money among today's children and their parents. We found that many kids (62%) expect their parents to cover the cost of “whatever college I want to go to.” Yet most parents (65%) will only be able to contribute some to the cost of college. And, the results suggest that student loans can lead to increased anxiety and financial stress. Parents with their own student loans are more likely to lose sleep over college costs (49% vs. 40%), and are significantly more likely to have credit card debt (67% vs. 54%) and payday loans (19% vs. 7%).
Judith Ward, CFP®, a senior financial planner at T. Rowe Price and mother of two college graduates, notes, “Preparing for college entails more than studying for the SATs and should begin before kids have even started Kindergarten. It starts with saving for college in accounts such as 529's and having regular money conversations at a young age, so later they’ll be able to understand the financial trade-offs involved in selecting a college.”
T. Rowe Price encourages parents to invest in their kids' futures by talking to them about money matters weekly, including how they are saving for their college. To help, the firm has created MoneyConfidentKids.com, which provides free, educational, online games for kids; tips for parents that are focused on financial concepts such as goal setting, spending versus saving, inflation, asset allocation, and investment diversification; as well as classroom lessons for educators.
Family Holiday Saving & Spending TrendsT. Rowe Price
Our Parents, Kids & Money Survey found most parents say that they overspend on their kids’ holiday gifts. While many parents use their current income and credit cards to cover holiday spending, a surprising percentage have also tapped into their retirement savings (7%) and their emergency fund (9%).
“Our long-term goals, such as saving for retirement and having an emergency fund, should arguably take priority over anything that is purchased during a Black Friday sale,” says Stuart Ritter, CFP®, a senior financial planner at T. Rowe Price. “Kids will always have long wish lists, and it’s good for them to know that there isn’t always enough money to cover everything. Challenging them to make trade-offs and prioritize their wants is essential to helping them develop financial capabilities.”
T. Rowe Price encourages parents to invest in their kids’ futures by talking with them about money matters weekly. To help with this goal, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on financial concepts such as goal setting, spending versus saving, inflation, and diversification.
T. Rowe Price Parents, Kids & Money Survey- College Related FindingsT. Rowe Price
T. Rowe Price’s 2017 Parents, Kids & Money Survey revealed some significant differences in parents’ inclination to save and pay for college based on the gender of their child. We found that parents who have all boys are going to greater lengths to support their kids’ college education than parents of all girls. Learn more in this deck.
T. Rowe Price's Parents, Kids & Money survey revealed that kids who get an allowance are more money savvy than those who do not. The single biggest factor associated with financially knowledgeable kids, however, is whether their parents talk to them about money matters. Money lessons can be most powerful when parents combine conversations with experiences.
"Conversations can guide experience, and experience can put those conversations into practice—the two work together," says Judith Ward, a senior financial planner at T. Rowe Price.
T. Rowe Price encourages parents to talk to their kids about money matters weekly. To help, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on the financial concepts.
Kicking off the world’s largest financial content expo, FinCon 2016, Experian — together with eight bloggers — announced the findings from a nationwide consumer survey that covers the gamut of personal finance topics. What did we learn?
• Respondents feel optimistic about their finances, but stress surrounding income expectations, debt reduction and retirement investments diminish their confidence in a strong financial future
• Lack of income and funds are considered the main reasons for financial woes, not respondents’ fiscal behavior
• Financial education is key to debt reduction and increased savings, according to respondents
2015 Family Financial Trade-offs Survey HighlightsT. Rowe Price
T. Rowe Price's 2015 Family Financial Trade-offs Survey revealed that parents are putting their own retirement security on the back-burner to support their kids’ education and cover their own personal student loans. In this survey, we examined how families are saving and paying for college, saving for retirement, and their current attitudes and feelings about their competing financial priorities. The survey is based on a national sample of 2,000 parents who have a retirement account, and have kids ages 15 and under.
T. Rowe Price’s 2019 Parents, Kids & Money Survey found that many parents say college costs aren’t their responsibility, but most kids expect their parents to cover college costs.
T. Rowe Price’s tenth annual Parents, Kids & Money Survey revealed that “adulting” is harder for young adults who did not receive any financial education. Those who did not receive any financial education are less likely to have a budget, an emergency fund, and retirement savings. Most young adults (64%) are surprised at how little they knew about managing money once they had to start dealing with real-world finances. Learn more in this deck.
’Tis the season to be jolly — but it’s not so jolly for many consumers, as the holidays can cause financial stress and often put consumers into debt. According to a nationwide survey from Experian, the primary reason is that most consumers don’t create budgets and are unprepared to cover added expenses beyond gifts, such as postage costs, hostess gifts, gift-wrapping supplies and greeting cards.
Human Resources Perspective: A Survey of Larger 401(k) PlansT. Rowe Price
The study reveals the views of human resources and benefits professionals administering 401(k) plans with assets of $100 million to over $1 billion. It took place in late 2016 and is based on telephone and online surveys of a nationally representative sample of 269 executives.
2017 Market Outlook - Emerging Markets DebtT. Rowe Price
Portfolio Manager Samy Muaddi, CFA, discusses his perspective on the current emerging markets debt environment and what investors could expect to see in 2017.
2017 Market Outlook - International Equity T. Rowe Price
Our Head of International Equity, Chris Alderson, discusses his perspective on the current global equity environment and what investors could expect to see in 2017.
2017 T. Rowe Price Global Economic OutlookT. Rowe Price
Our Chief U.S. Economist, Alan Levenson, discusses his perspective on the current global economic environment and what investors could expect to see in 2017.
Generational Retirement Trends Study - 2015T. Rowe Price
T. Rowe Price's recent Retirement Saving & Spending Study revealed that across groups of 401(k) savers, millennials are following better financial habits than those of baby boomers.
“We think it’s encouraging that millennials are so receptive to saving for retirement and that they are generally practicing good financial habits,” says Anne Coveney, senior manager of Retirement Thought Leadership at T. Rowe Price who led this research study. “When they have the means to do the right thing, it appears that they often do.’
Throughout this presentation, we uncover how different generational workers are saving and spending, and indentify the statistics that differentiate these populations.
Families with a household income of over $65,000 pay at least 90% of the sticker price for college, according to the U.S. Department of Education. To avoid the rising costs of debt, T. Rowe Price recommends that families save at least enough for a down payment on their kids' education. This chart offers guidance on how much that may be. Learn more about saving for college at http://www.collegesavingschillout.com/
T. Rowe Price – Survey Highlights: First Look Assessing the New Retiree Exper...T. Rowe Price
We surveyed recently retired 401(k) savers and workers approaching retirement age with 401(k)s to learn about their challenges and experiences. We learned that most are faring well, both financially and emotionally. In here we cover how they’re saving and spending, where they’re getting income, and how satisfied they are with their retirement experience.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
4. 4
43%
3%
54%
0% 10% 20% 30% 40% 50% 60%
No
Yes, I use a roboadvisor
Yes, I have an advisor or planner
Financial Advisor
Q12. DO YOU USE A PAID FINANCIAL ADVISOR OR PLANNER TO HELP
MANAGE YOUR INVESTMENTS AND/OR FINANCES?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
57% Have
an Advisor
§ Men are more likely than women to have a financial advisor (75% vs. 37%)
§ Millennials (65%) are more likely than both Gen Xers (52%) and baby boomers (39%) to have a
financial advisor
5. 5
19%
40%
41%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45%
Cash
Credit card
Debit card
Paying for Purchases
Q21. WHICH OF THE FOLLOWING DO YOU PRIMARILY USE TO PAY FOR
PURCHASES?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
6. 6
22%
33%
45%
16%
47%
38%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
Cash
Credit card
Debit card
Men
Women
Paying for Purchases by Gender
Q21. WHICH OF THE FOLLOWING DO YOU PRIMARILY USE TO PAY FOR
PURCHASES?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents) = Statistically significant - .05 level
§ Men are more likely than women to use a credit card, and less likely to use cash or a debit card
7. 7
20%
80%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
No
Yes
Household Budget
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents); N=810 (Have a budget)
Q23. DO YOU HAVE A HOUSEHOLD BUDGET?
45%
55%
0% 10% 20% 30% 40% 50% 60%
I budget for expenses only
I include savings as a line item in
my budget
Q24. WHICH OF THE FOLLOWING BEST DESCRIBES
HOW YOU APPROACH YOUR BUDGET?
§ Men are more likely than women to have a budget (88% vs. 71%) and more likely to include
savings as a line item (61% vs. 46%)
§ Millennials (84%) are more likely than both Gen Xers (77%) and baby boomers (68%) to have a
household budget
8. 8
4%
17%
79%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
Not sure
No
Yes
Budget Surplus
Q22. IS THERE TYPICALLY MONEY LEFT OVER AFTER PAYING ALL THE
MONTHLY EXPENSES?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
§ Men are more likely than women to have money left over after paying all the monthly expenses
(89% vs. 68%)
9. 9
69%
12%
19%
0% 10% 20% 30% 40% 50% 60% 70% 80%
No, I've never considered it
No, but I've considered it
Yes
Bankruptcy
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents); N=194 (Declared bankruptcy)
Q15. HAVE YOU EVER DECLARED PERSONAL
BANKRUPTCY?
31%
69%
0% 10% 20% 30% 40% 50% 60% 70% 80%
No
Yes
Q16. DO YOUR KID(S) KNOW THAT YOU ONCE
DECLARED BANKRUPTCY?
§ Men are more likely than women to have declared bankruptcy (22% vs. 16%)
§ Parents who have declared bankruptcy are more likely than those who haven’t to have kids who
don’t save any of the money they get (16% vs. 6%), spend money as soon as they get it (71%
vs. 42%), and expect parents to buy whatever they want (72% vs. 56%)
§ Kids who are aware their parents declared bankruptcy are more likely than those who are
unaware to say they are smart about money (68% vs. 30%)
10. 10
16%
24%
20%
40%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45%
Strongly agree
Somewhat agree
Somewhat disagree
Strongly disagree
Keeping Financial Secrets
Q64. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS: I KEEP FINANCIAL SECRETS FROM MY SPOUSE/PARTNER?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=858 (Married)
40% Agree
§ Men are more likely than women to say they keep financial secrets from their spouse/partner
(50% vs. 27%)
§ Keeping financial secrets decreases by generation (45% for millennials, 38% for Gen Xers, and
18% for baby boomers)
11. 11
36%
39%
39%
41%
44%
45%
63%
65%
75%
77%
0% 20% 40% 60% 80% 100%
I’ve lost track of how much I spend monthly on subscriptions like Netflix, Spotify, and
other subscription services
I don’t make enough money to cover what I spend
I hide purchases from my spouse so he/she doesn’t know how much I spend
Without credit cards I would not be able to cover my monthly expenses
My spouse and I don’t agree on how to budget for the household
I have a household budget, but I rarely look at it
I rarely carry cash anymore
When managing my finances, I always make sure that I pay myself first by including
savings in the budget
I have taken measures to cut back spending in the last year
Following a budget has helped my financial situation
Parental Attitudes and Behaviors
Q25. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
§ Men are more likely than women to not look at their budget (52% vs. 34%), need credit cards to
cover monthly expenses (49% vs. 32%), lose track of monthly expenses (47% vs. 22%), and hide
purchases from their spouse/partner (46% vs. 30%)
12. 12
29%
18%
21%
32%
0% 5% 10% 15% 20% 25% 30% 35%
$300 or more
$200 to $299
$100 to $199
Less than $100
Amount Spent on Kid—Birthday
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q73. THINKING ONLY ABOUT YOUR KID WHO WILL BE TAKING THE SURVEY, APPROXIMATELY
HOW MUCH DID YOU SPEND IN THE PAST 12 MONTHS ON BIRTHDAY PRESENTS AND PARTIES?
13. 13
28%
17%
25%
30%
0% 5% 10% 15% 20% 25% 30% 35%
$500 or more
$300 to $499
$100 to $299
Less than $100
Amount Spent on Kid—Holiday Presents
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q73. THINKING ONLY ABOUT YOUR KID WHO WILL BE TAKING THE SURVEY, APPROXIMATELY
HOW MUCH DID YOU SPEND IN THE PAST 12 MONTHS ON HOLIDAY PRESENTS?
14. 14
33%
17%
19%
31%
0% 5% 10% 15% 20% 25% 30% 35%
$300 or more
$200 to $299
$100 to $199
Less than $100
Amount Spent on Kid—Back to School
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q73. THINKING ONLY ABOUT YOUR KID WHO WILL BE TAKING THE SURVEY, APPROXIMATELY
HOW MUCH DID YOU SPEND IN THE PAST 12 MONTHS ON BACK TO SCHOOL?
15. 15
26%
28%
9%
38%
0% 5% 10% 15% 20% 25% 30% 35% 40%
$300 or more
$100 to $299
$50 to $99
Less than $50
Amount Spent on Kid—Extracurricular
Activities
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q73. THINKING ONLY ABOUT YOUR KID WHO WILL BE TAKING THE SURVEY, APPROXIMATELY
HOW MUCH DID YOU SPEND IN THE PAST 12 MONTHS ON EXTRACURRICULAR ACTIVITIES?
16. 16
32%
34%
34%
0% 5% 10% 15% 20% 25% 30% 35% 40%
$75 or more
$20 to $74
Less than $20
Amount Spent on Kid—Halloween
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q73. THINKING ONLY ABOUT YOUR KID WHO WILL BE TAKING THE SURVEY, APPROXIMATELY
HOW MUCH DID YOU SPEND IN THE PAST 12 MONTHS ON HALLOWEEN?
17. 17
27%
29%
44%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
$200 or more
Less than $200
Nothing
Amount Spent on Kid—Summer Camp
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q73. THINKING ONLY ABOUT YOUR KID WHO WILL BE TAKING THE SURVEY, APPROXIMATELY
HOW MUCH DID YOU SPEND IN THE PAST 12 MONTHS ON SUMMER CAMP?
18. 18
26%
26%
23%
25%
0% 5% 10% 15% 20% 25% 30%
More than $200
$51 to $200
$50 or less
Nothing
Amount Spent on Kid—Athletics
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q73. THINKING ONLY ABOUT YOUR KID WHO WILL BE TAKING THE SURVEY,
APPROXIMATELY HOW MUCH DID YOU SPEND IN THE PAST 12 MONTHS ON ATHLETICS?
20. 20
12%
25%
25%
14%
15%
10%
0% 5% 10% 15% 20% 25% 30%
I have carried credit card debt for as long as I can remember
I have used credit cards regularly to finance things I can’t
immediately afford
I have used credit cards occasionally to finance things I can’t
immediately afford
I rarely carry a balance on my credit cards
I never carry a balance on my credit cards
I don't have credit cards
Use of Credit Cards
Q13. WHICH STATEMENT BEST CHARACTERIZES YOUR USE OF CREDIT
CARD FINANCING?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
§ Women are more likely than men to not have credit cards (15% vs. 5%)
21. 21
14%
4%
11%
12%
12%
19%
23%
39%
41%
53%
0% 10% 20% 30% 40% 50% 60%
I don't have any debt
Other
Student loan (from kid's education)
Payday loan
Friend/relative debt
Medical debt
Student loan (from parent's education)
Car loan
Mortgage
Credit card debt
Types of Debt
Q14. WHICH OF FOLLOWING TYPES OF DEBT DO YOU HAVE?
(CHECK ALL THAT APPLY)
Mean Types of Debt: 2.14
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
§ 61% of parents have more than one type of debt, with a mean number of debt types at 2.14
§ 4% of parents have student loan debt for both their own and their kids’ educations
§ Parents who have declared bankruptcy are more likely than those who haven’t to have a
payday loan (22% vs. 10%)
22. 22
18%
39%
23%
20%
0% 10% 20% 30% 40% 50%
Strongly agree
Somewhat agree
Somewhat disagree
Strongly disagree
Perception of Credit Card Debt
Q64. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENT: EVERYBODY HAS CREDIT CARD DEBT?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
57% Agree
§ Men are more likely than women to say that everybody has credit card debt (64% vs. 48%)
23. 23
11%
20%
28%
41%
0% 10% 20% 30% 40% 50%
Strongly agree
Somewhat agree
Somewhat disagree
Strongly disagree
Perception of Personal Debt
Q25. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENT: I HAVE MORE DEBT THAN MOST PEOPLE?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
31% Agree
§ Men are more likely than women to say that they have more debt than most people (39% vs.
23%)
§ Millennials (37%) are more likely than both Gen Xers (29%) and baby boomers (18%) to say
that they have more debt than most people
24. 24
25%
21%
28%
26%
0% 5% 10% 15% 20% 25% 30%
More than 5 years
3-5 years
1-2 years
Less than a year
Carrying a Credit Card Balance
Q19. HOW LONG HAVE YOU BEEN CARRYING A BALANCE ON CREDIT
CARDS?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=541 (Have credit card debt)
§ Women are more likely than men to be carrying credit card debt for more than five years (29%
vs. 21%)
25. 25
6%
8%
14%
20%
32%
19%
0% 5% 10% 15% 20% 25% 30% 35% 40%
$20,000 or more
$15,000 to $19,999
$10,000 to $14,999
$5,000 to $9,999
$1,000 to $4,999
Less than $1,000
Amount of Debt—Credit Cards
T. Rowe Price 2017 Parents, Kids & Money Survey
N=541 (Have credit card debt)
Q20. WHAT IS THE APPROXIMATE BALANCE (I.E., THE AMOUNT YOU STILL
OWE) FOR YOUR CREDIT CARDS NOW?
§ A total of 53% of respondents have credit card debt, and of those, 48% have a balance of $5,000 or more
§ Parents who have $5,000 or more in credit card debt are more likely than those who don’t to have kids who
spend money as soon as they get it (58% vs. 44%), expect parents to buy them whatever they want (65% vs.
57%), say parents confuse them when talking about money (67% vs. 51%), and say what parents say about
money is different than what they hear at school (65% vs. 53%)
§ Parents who have declared bankruptcy are more likely than those who haven’t to have $5,000 or more in credit
card debt (68% vs. 42%)
26. 26
27%
8%
20%
22%
12%
10%
0% 5% 10% 15% 20% 25% 30% 35% 40%
$40,000 or more
$30,000 to $39,999
$20,000 to $29,999
$10,000 to $19,999
$5,000 to $9,999
Less than $5,000
Amount of Debt—Student Loans (Parents)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=233 (Have student loans for parents’ education)
Q17. WHAT IS THE APPROXIMATE BALANCE (I.E., THE AMOUNT YOU STILL OWE)
FOR YOUR STUDENT LOANS (FOR YOUR OR YOUR SPOUSE’S EDUCATION)?
27. 27
19%
13%
24%
19%
16%
8%
0% 5% 10% 15% 20% 25% 30% 35% 40%
$20,000 or more
$15,000 to $19,999
$10,000 to $14,999
$5,000 to $9,999
$1,000 to $4,999
Less than $1,000
Amount of Debt—Student Loans (Kids)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=110 (Have student loans for kids’ education)
Q18. WHAT IS THE APPROXIMATE BALANCE (I.E., THE AMOUNT YOU STILL
OWE) FOR YOUR STUDENT LOANS (FOR YOUR KIDS’ EDUCATION)?
29. 29
13%
49%
49%
52%
53%
0% 10% 20% 30% 40% 50% 60%
None of the above
Money saved for other goals
Money saved for retirement
An emergency fund to cover unexpected expenses
Money saved for kids’ college education
Savings Accounts
Q26. WHICH OF FOLLOWING DO YOU HAVE?
(CHECK ALL THAT APPLY)
Total Types of Savings
None: 13%
One: 26%
Two: 22%
Three: 23%
Four: 16%
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
§ A total of 39% of parents have three or more types of savings
§ Parents who have three or more types of savings are more likely to have kids who discuss
money with them (83% vs. 66%) and less likely to have kids who spend money as soon as they
get it (40% vs. 52%) or lie about their spending (34% vs. 43%)
30. 30
Savings Accounts—By Parent Gender and
Age
Q26. WHICH OF FOLLOWING DO YOU HAVE?
(CHECK ALL THAT APPLY)
Gender Age
Men Women
Millennial
(A)
Gen X
(B)
Boomer
(C)
Money saved for kids’ college education 65% 38% 57% 51% 43%
Money saved for retirement 50% 48% 42% 54% (A) 64% (A)
Emergency fund 56% 47% 52% 52% 54%
Money saved for other goals 54% 43% 50% 47% 45%
None of the above 5% 23% 14% 13% 14%
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Bold font signifies statistical significance
31. 31
32%
68%
0% 10% 20% 30% 40% 50% 60% 70% 80%
Saving for retirement
Saving for kids' college education
Family Saving Priority
Q28. WHICH OF THE FOLLOWING IS THE HIGHER PRIORITY FOR YOU AND YOUR
FAMILY?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Gender Age
Men Women
Millennial
(A)
Gen X
(B)
Boomer
(C)
Saving for kids’ college education 75% 60% 76% (B,C) 62% 61%
Saving for retirement 25% 40% 24% 38% (A) 39% (A)
33. 33
14%
9%
17%
6%
9%
20%
14%
10%
0% 5% 10% 15% 20% 25%
More than twelve months
Seven to 12 months
Six months
Five months
Four months
Three months
Two months
One month or less
Size of Emergency Fund
T. Rowe Price 2017 Parents, Kids & Money Survey
N=526 (Have emergency fund)
Q29. FOR HOW MANY MONTHS WOULD YOUR EMERGENCY FUND COVER
YOUR FAMILY’S EXPENSES?
34. 34
22%
78%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
No, I do not maintain a separate account for my emergency fund
Yes, I maintain a separate account for my emergency fund
Separate Emergency Fund Account
T. Rowe Price 2017 Parents, Kids & Money Survey
N=526 (Have emergency fund)
Q30. DO YOU MAINTAIN A SEPARATE ACCOUNT FOR YOUR EMERGENCY
FUND OR IS IT KEPT IN AN ACCOUNT WITH OTHER FUNDS?
35. 35
17%
1%
14%
20%
26%
27%
35%
5%
9%
21%
21%
22%
24%
28%
31%
0% 10% 20% 30% 40%
Nothing
Other
To cover expenses while unemployed
To pay taxes
Car purchase or repair
Health care costs
Home repair/renovation
Wedding
Down payment on a home
Childcare/daycare
Pay off debt
Day-to-day expenses
Holiday spending
Vacation
Kids' education
Using the Emergency Fund
T. Rowe Price 2017 Parents, Kids & Money Survey
N=526 (Have emergency fund)
Q31. WHAT TYPES OF THINGS HAVE YOU USED EMERGENCY FUND MONEY
FOR IN THE PAST TWO YEARS?
(CHECK ALL THAT APPLY)
67% have used emergency
funds for non-emergencies,
and 45% have used
emergency funds for more
than one non-emergency
Across categories, men are
more likely than women to
tap in to their emergency
fund
Emergencies
Non-emergencies
37. 37
2%
17%
23%
26%
29%
29%
50%
65%
0% 10% 20% 30% 40% 50% 60% 70%
Other
Taxable investment account
Roth IRA
Certificate of deposit (CD)
Annuity or life insurance policy
Traditional IRA
Regular savings account
401(k) plan
Retirement Accounts
T. Rowe Price 2017 Parents, Kids & Money Survey
N=495 (Have retirement savings)
Q32. WHAT TYPES OF ACCOUNTS DO YOU HAVE FOR YOUR RETIREMENT
SAVINGS?
(CHECK ALL THAT APPLY)
Total # of Accounts
One: 33%
Two: 26%
Three: 21%
Four+: 20%
Mean: 2.41
38. 38
28%
72%
0% 10% 20% 30% 40% 50% 60% 70% 80%
No
Yes
Mixed Retirement Accounts
T. Rowe Price 2016 Parents, Kids & Money Survey
N=276 (Have regular savings or taxable investment accounts for retirement savings)
Q33. DO THE REGULAR SAVINGS OR TAXABLE INVESTMENT ACCOUNTS
YOU USE FOR RETIREMENT SAVINGS ALSO HAVE MONEY THAT IS NOT
GOING TO BE USED FOR RETIREMENT?
§ Men are more likely than women to mingle money in their accounts (76% vs. 65%)
39. 39
4%
14%
26%
56%
0% 10% 20% 30% 40% 50% 60%
Five times or more
Two to four times
Once
Never
T. Rowe Price 2016 Parents, Kids & Money Survey
N=276 (Have regular savings or taxable investment accounts for retirement savings)
Q34. HOW MANY TIMES HAVE YOU TAKEN MONEY OUT OF YOUR
RETIREMENT SAVINGS IN THE PAST TWO YEARS?
Using Money From Retirement Accounts
§ Men are more likely than women to have taken money out of their retirement savings (49% vs. 38%)
§ Millennials (62%) are more likely than both Gen Xers (33%) and baby boomers (29%) to have taken
money out of their retirement savings
§ Those who have declared bankruptcy (74% vs. 37%) and those who have more than $5,000 in credit
card debt (62% vs. 37%) are more likely to have taken money out of retirement savings
40. 40
2%
18%
19%
22%
22%
26%
12%
13%
13%
17%
18%
21%
26%
33%
35%
0% 10% 20% 30% 40%
Other
To cover expenses while
To pay taxes
Car purchase or repair
Health care costs
Home repair/renovation
Wedding
Down payment on a home
Replenish emergency fund
Holiday spending
Childcare/daycare
Day-to-day expenses
Vacation
Kids' education
Pay off debt
Using Money From Retirement Accounts
T. Rowe Price 2016 Parents, Kids & Money Survey
N=216 (Have taken money out of retirement savings)
Q35. WHICH OF THE FOLLOWING THINGS HAVE YOU PAID FOR WITH
MONEY TAKEN FROM RETIREMENT SAVINGS IN THE PAST TWO YEARS?
(CHECK ALL THAT APPLY)
83% have used retirement
funds for non-emergencies,
and 47% for more than one
non-emergency
Emergencies
Non-emergencies
41. 41
20%
35%
26%
19%
0% 5% 10% 15% 20% 25% 30% 35% 40%
Strongly agree
Somewhat agree
Somewhat disagree
Strongly disagree
Anxiety About Saving for Retirement
Q45. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENT: CONVERSATIONS ABOUT SAVING FOR RETIREMENT USUALLY
FILL ME WITH A LOT OF ANXIETY?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
55% Agree
43. 43
49%
69%
70%
74%
0% 10% 20% 30% 40% 50% 60% 70% 80%
Investing
Managing expenses
Budgeting
Money
Parents’ Financial Knowledge
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q58. OVERALL, HOW KNOWLEDGEABLE ARE YOU ABOUT EACH OF THE
FOLLOWING?
(FIVE POINT SCALE – DISPLAYING VERY OR EXTREMELY)
§ For each topic, men are more likely than women to say they are knowledgeable
44. 44
39%
47%
50%
55%
59%
0% 10% 20% 30% 40% 50% 60% 70%
I have borrowed from my kids’ “piggy bank” without paying them back
I have gone into debt to pay for something my kids wanted
I sometimes feel ashamed that I’m not providing enough for my kids
I spend too much money on my kids for things they don’t really need
I worry that I spoil my kids
Parental Attitudes and Behaviors
Q62 AND Q64. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE
FOLLOWING STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
45. 45
28%
36%
45%
52%
53%
48%
56%
54%
58%
64%
0% 10% 20% 30% 40% 50% 60% 70%
I have borrowed from my kids’ “piggy bank” without paying them back
I have gone into debt to pay for something my kids wanted
I sometimes feel ashamed that I’m not providing enough for my kids
I spend too much money on my kids for things they don’t really need
I worry that I spoil my kids
Men Women
Parental Attitudes and Behaviors by Parent
Gender
Q62 AND Q64. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE
FOLLOWING STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
46. 46
15%
16%
16%
20%
26%
27%
54%
0% 10% 20% 30% 40% 50% 60%
None of the above
Told my kids we have more money than we really do
Used money my kids have received as gifts to buy something for myself
Showed financial statements to my kids
Told my kids we have less money than we really do
Told my kids we can’t afford things when we really can
Used money as incentive for good grades or good behavior
Parental Behaviors
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q52. WHICH OF THE FOLLOWING THINGS HAVE YOU DONE?
(CHECK ALL THAT APPLY)
§ 85% of parents have done at least one of the listed behaviors
§ Millennials are more likely than older generations to misrepresent the household financial status
47. 47
12%
10%
16%
20%
24%
28%
34%
37%
37%
40%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45%
None of the above
Roboadvisor
Books or other materials by celebrity spokespeople
Social media
Financial news channels
Parents
Friends
Traditional financial advisor
Financial websites or apps
Google/my own research
Financial Resources
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q59. WHEN IT COMES TO FINANCIAL MATTERS, WHICH OF THE FOLLOWING
DO YOU CONSULT?
(CHECK ALL THAT APPLY)
§ In general, men and millennials are more likely to consult sources when it comes to financial
matters
48. 48
Parents Knowledge of Saving and Investing
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
42%
43%
51%
55%
66%
0% 10% 20% 30% 40% 50% 60% 70%
Stocks are generally less risky investments than bonds
A 50 year old shouldn’t put any of their retirement money in stocks because stocks can
lose money
Having an emergency fund to cover one or two months' living expenses is sufficient
If I save 6% of my income toward retirement each year, I’ll have enough money to
comfortably retire at age 65
What investments you choose (e.g., what stock, bond, or mutual fund) matters more than
how much money you invest
Q46. PLEASE INDICATE WHETHER EACH OF THE FOLLOWING STATEMENTS
IS TRUE OR FALSE
(DISPLAYING PERCENT SAYING TRUE)
§ Men are more likely than women to say saving 6% a year is enough for retirement (62% vs.
47%), an emergency fund lasting one to two months is sufficient (55% vs. 46%), and stocks are
less risky than bonds (49% vs. 35%)
50. 50
3%
11%
9%
28%
31%
18%
0% 5% 10% 15% 20% 25% 30% 35%
Once a day or more
A few times a week
Once a week
A few times a month
Once a month or less
Never
Frequency of Financial Discussions
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q47. OVERALL, HOW OFTEN DO YOU DISCUSS ANY FINANCIAL TOPICS
(E.G., THE IMPORTANCE OF SAVING AND SPENDING WISELY, SETTING
FINANCIAL GOALS, BUDGETING, ETC.) WITH YOUR KIDS?
§ Parents who discuss financial topics with their kids at least once a week are more likely than
those that do not to have kids who say they are smart about money (64% vs. 41%)
§ Men are more likely than women to say more than once a week or more (26% vs. 19%)
51. 51
12%
35%
53%
0% 10% 20% 30% 40% 50% 60%
I set aside time to specifically discuss financial topics
The kids usually come to me with a question
I bring things up as they occur
Types of Financial Discussions
T. Rowe Price 2017 Parents, Kids & Money Survey
N=828 (Have financial discussions with kids)
Q48. WHICH OF THE FOLLOWING BEST DESCRIBES HOW YOU DISCUSS
FINANCIAL TOPICS WITH YOUR KIDS?
§ Women are more likely than men to bring things up as they occur (68% vs. 42%) and less likely
to have kids come to them with a question (21% vs. 46%)
§ Millennials (48%) are more likely than both Gen Xers (26%) and baby boomers (7%) to wait for
kids to come to them with questions
52. 52
42%
61%
0% 10% 20% 30% 40% 50% 60% 70%
My kids are too young to talk to about money and finances
I generally only talk to my kids about money when they ask about it
Financial Conversations
Q64. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
53. 53
10%
15%
24%
20%
31%
0% 5% 10% 15% 20% 25% 30% 35%
Extremely reluctant
Very reluctant
Somewhat reluctant
Not very reluctant
Not at all reluctant
Reluctance to Discuss Financial Matters
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q49. HOW RELUCTANT ARE YOU TO DISCUSS FINANCIAL MATTERS WITH
YOUR KIDS?
§ 69% of parents have some reluctance to discussing financial matters with their kids
§ Parents who have declared bankruptcy are more likely than those who haven’t to be reluctant to
talk to their kids about money (44% vs. 20%)
§ Parents who have more than $5,000 in credit card debt are more likely than those who don’t to
be reluctant to talk to their kids about money (35% vs. 21%)
54. 54
16%
20%
22%
24%
31%
34%
36%
41%
54%
28%
31%
34%
37%
43%
43%
41%
44%
34%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Market volatility
Digital payment methods like PayPal and Venmo
Not talking about money in public
The value of long-term investing
Giving to charity
Setting financial goals
Maintaining a budget
How to earn money
The importance of saving
Frequently
Occasionally
Importance of Financial Discussions
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q50. HOW OFTEN DO YOU DISCUSS EACH OF THE FOLLOWING WITH YOUR
KIDS?
(FOUR POINT SCALE – DISPLAYING FREQUENTLY OR OCCASIONALLY)
55. 55
32%
33%
35%
36%
38%
38%
40%
0% 10% 20% 30% 40% 50%
Politics
Terrorism
Family finances
Death
Drugs
Bullying
Sex
Uncomfortable Discussions
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q51. HOW UNCOMFORTABLE ARE YOU DISCUSSING EACH OF THE
FOLLOWING WITH YOUR KIDS?
(FIVE POINT SCALE – DISPLAYING VERY OR EXTREMELY)
§ Across all topics, millennials are more likely than Gen Xers and baby boomers to be
uncomfortable having discussions with their kids
56. 56
26%
28%
46%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
No difference
Girls
Boys
Kids Asking Questions
T. Rowe Price 2017 Parents, Kids & Money Survey
N=620 (Have boys and girls)
Q54. BASED ON YOUR EXPERIENCE, WHO ASKS ABOUT MONEY MORE?
§ Men are more likely than women to say boys ask more about money (57% vs. 28%)
57. 57
35%
25%
40%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45%
No difference
Girls
Boys
Talking to Boys and Girls
Q55. DO YOU FIND THAT YOU SPEND MORE TIME TALKING ABOUT MONEY
WITH YOUR BOY(S) OR GIRL(S)?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=620 (Have boys and girls)
§ Men are more likely than women to spend more time talking to boys about money (52% vs.
23%)
58. 58
Talking to Boys and Girls
T. Rowe Price 2017 Parents, Kids & Money Survey
N=404 (Talk more to boys or girls)
Q56. WHY DO YOU TALK MORE WITH YOUR [BOY(S) OR GIRL(S)]?
(CHECK ALL THAT APPLY)
32%
25%
38%
33%
57%
50%
16%
26%
45%
25%
57%
53%
0% 10% 20% 30% 40% 50% 60%
They play on financial games or apps more
They are more likely to have more money to manage
They are older
They need more help with money
They seem more interested
They ask more questions
Girls Boys
Talk More to:
= Statistically significant - .05 level
§ Parents who talk with boys about finances more than girls are more likely to say boys need help
with money and they play more financial games
59. 59
48%
51%
67%
83%
0% 20% 40% 60% 80% 100%
I often miss opportunities to talk to my kids about money and finances
I don’t always know the best way to talk to my kids about financial topics
Opportunities to talk to my kids about money and finances come up almost every
day
The conversations I have with my kids about finances make a difference
Attitudes About Financial Discussions
Q57. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
§ Men are more likely than women to say they don’t always know the best way to talk to kids
about financial topics (57% vs. 44%) and they often miss opportunities (54% vs. 41%)
§ Millennials are more likely than Gen Xers and baby boomers to say they don’t always know the
best way to talk to kids about financial topics (56% vs. 48% vs. 38%)
61. 61
10%
16%
18%
20%
31%
41%
55%
0% 10% 20% 30% 40% 50% 60%
None of the above
Investment account
Credit card
Checking account
Online/gaming account
Piggy bank
Savings account
Kids’ Finances
Q60. WHICH OF THE FOLLOWING DO YOUR KIDS HAVE?
(CHECK ALL THAT APPLY)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
62. 62
2%
41%
57%
0% 10% 20% 30% 40% 50% 60%
Other
My kid does
I do
Paying Kids’ Credit Card Bill
Q61. WHO PAYS YOUR KID’S CREDIT CARD BILL
T. Rowe Price 2017 Parents, Kids & Money Survey
N=180 (Kid has credit card)
63. 63
6%
2%
32%
34%
37%
41%
41%
45%
47%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
None of the above
Other
Figuring out the amount of sales tax you pay
Discussing why we can’t take a bigger vacation
Figuring out how much tip to leave at a restaurant
Discussing the cost of college
Going into a physical bank
Figuring out how much you get off on sales
Back-to-school shopping on a budget
Teaching Moments
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q53. WHICH OF THE FOLLOWING HAVE YOU USED AS AN OPPORTUNITY TO
TEACH YOUR KIDS ABOUT MONEY?
(CHECK ALL THAT APPLY)
§ Women are more likely than men to say figuring out how much to tip (41% vs. 35%), figuring out
how much you get off on sales (53% vs. 38%), and back-to-school shopping on a budget (54%
vs. 41%)
64. 64
6%
24%
33%
63%
65%
0% 10% 20% 30% 40% 50% 60% 70%
None of the above
Manage their own accounts
Decide what charities to donate to
Decide what they spend their own money on
Decide what to save their money for
Allowing Kids to Manage Their Own
Finances
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q63. WHICH OF THE FOLLOWING DO YOU ALLOW YOUR KIDS TO DO ON
THEIR OWN?
(CHECK ALL THAT APPLY)
§ A total of 44% of parents let their kids decide what to save their own money for AND what to
spend their own money on
65. 65
55%
69%
0% 20% 40% 60% 80%
I have a hard time making my kids understand the value of a dollar
I’ve tried various ways to get my kids to save their money instead of spending it all
right away to no avail
Teaching Kids About Money
Q57. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
66. 66
49%
54%
56%
68%
72%
76%
79%
0% 20% 40% 60% 80% 100%
When my kids receive money as a gift, I decide what to do with the money
The schools do a good job of teaching kids about money
I let my kids make bad financial decisions so they can learn from their mistakes
I let my kids manage their own money
I would be interested in taking a course that teaches financial basics
I would enroll my kids in a course about money and finances for kids
I keep a pretty close eye on my kids’ money and what they’re doing with it
Letting Kids Manage Their Own Money
Q62 & Q64. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE
FOLLOWING STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
68. 68
34%
11%
55%
0% 10% 20% 30% 40% 50% 60%
I don’t give allowance
I give allowance without any requirements
I give allowance, but kids have to earn it
Allowance Approach
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q74. WHICH OF THE FOLLOWING BEST DESCRIBES YOUR APPROACH TO
ALLOWANCE?
69. 69
11%
18%
17%
55%
0% 10% 20% 30% 40% 50% 60%
$51 or more
$21 to $50
$11 to $20
$10 or less
Amount of Allowance
Q76. REGARDLESS OF HOW OFTEN YOU GIVE ALLOWANCE, ON AVERAGE,
HOW MUCH DO YOU GIVE PER WEEK?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=669 (Give an allowance)
70. 70
8%
13%
8%
19%
19%
20%
14%
0% 5% 10% 15% 20% 25%
11 or older
10
9
8
7
6
5 or younger
Age Allowance Begins
Q77. HOW OLD WERE YOUR KIDS WHEN YOU STARTED GIVING
ALLOWANCE?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=669 (Give an allowance)
71. 71
56%
66%
0% 10% 20% 30% 40% 50% 60% 70%
My kids usually spend most of their allowance money right away
I often give my kids additional money outside their allowance
Allowance
Q78. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=669 (Give an allowance)
§ Men are more likely than women to give kids money outside their allowance (71% vs. 60%), and
their kids usually spend their allowance right away (64% vs. 46%)
72. 72
Allowance Trending
PERCENT OF PARENTS
WHO GIVE ALLOWANCE
55%
79%
70%
47%48%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
20172016201520132011
AVERAGE ALLOWANCE PER WEEK
55%
17%
18%
11%
61%
18%
16%
4%
50%
23%
18%
9%
68%
18%
12%
2%
$10 or less
$11–$20
$21–$50
$51 or more
2017
2016
2015
2013
T. Rowe Price 2017 Parents, Kids & Money Survey
2017 N=1,104 (Total respondents)
2016 N=1,086 (Total respondents)
2015 N=1,000 (Total respondents)
2013 N=1,014 (Total respondents)
2011 N=1,008(Total respondents)
2017 N=669 (Give an allowance)
2016 N=855 (Give an allowance)
2015 N=703 (Give an allowance)
2013 N=472 (Give an allowance)
74. 74
15%
32%
42%
10%
2%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45%
Extremely
Very
Somewhat
Not very
Not at all
Kids’ Knowledge of Money
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q83. OVERALL, HOW SMART ARE YOU ABOUT MONEY?
§ Boys are more likely than girls to say very/extremely (50% vs. 41%)
75. 75
10%
90%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
No
Yes
Kids’ Savings Habits
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q84. DO YOU HAVE ANY MONEY SAVED?
76. 76
29%
22%
21%
14%
14%
0% 5% 10% 15% 20% 25% 30% 35%
$500 or more
$200-$499
$100-$199
$50-$99
Less than $50
Kids’ Savings Habits
T. Rowe Price 2017 Parents, Kids & Money Survey
N=917 (Have money saved)
Q85. ABOUT HOW MUCH DO YOU HAVE SAVED?
77. 77
2%
12%
50%
63%
0% 10% 20% 30% 40% 50% 60% 70%
Other
My parents have it
In a bank
At my house
Kids’ Savings Habits
T. Rowe Price 2017 Parents, Kids & Money Survey
N=917 (Have money saved)
Q86. WHERE DO YOU KEEP THE MONEY YOU HAVE SAVED?
(CHECK ALL THAT APPLY)
78. 78
8%
46%
36%
11%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
I don't save anything
I save some of it
I save most of it
I save all of it
Kids’ Savings Habits
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q87. OF ALL THE MONEY YOU GET, HOW MUCH DO YOU SAVE?
79. 79
23%
50%
22%
5%
0% 10% 20% 30% 40% 50% 60%
Frequently
Occasionally
Rarely
Never
Frequency of Financial Conversations
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q90. HOW OFTEN DO YOU TALK WITH YOUR PARENTS ABOUT MONEY AND
FINANCES?
§ Kids whose parents let them decide how to manage their money are more likely than those
whose parents don’t let them decide to have occasional/frequent conversations with their
parents (76% vs. 70%)
80. 80
15%
17%
26%
26%
41%
49%
0% 10% 20% 30% 40% 50% 60%
None of the above
Friends/other kids
Aunts/uncles/cousins
Brothers and sisters
Teachers
Grandparents
Learning About Money From Others
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q91. WHO ELSE BESIDES YOUR PARENTS TALKS TO YOU OR TEACHES YOU
ABOUT MONEY AND FINANCES?
(CHECK ALL THAT APPLY)
§ Kids whose parents let them decide how to manage their money are more likely than those
whose parents don’t let them decide to learn from grandparents (55% vs. 44%), teachers (45%
vs. 37%), and other family members (32% vs. 22%)
81. 81
Kid Attitudes and Perceptions
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
35%
37%
51%
52%
88%
0% 20% 40% 60% 80% 100%
My parents are uncomfortable talking to me about money
My parents fight about money
I play a lot of games that have money involved
My friends and I talk about money a lot
My parents set a good example when it comes to how to save and spend money
Q92. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
82. 82
1%
22%
11%
66%
0% 10% 20% 30% 40% 50% 60% 70%
Not sure
No
Yes, and I don't have to earn it
Yes, but I have to earn it
Allowance
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q93. DO YOU GET AN ALLOWANCE?
83. 83
12%
19%
15%
53%
0% 10% 20% 30% 40% 50% 60%
$51 or more
$21 to $50
$11 to $20
$10 or less
Amount of Allowance
Q95. ON AVERAGE, HOW MUCH ALLOWANCE DO YOU GET PER WEEK?
T. Rowe Price 2017 Parents, Kids & Money Survey
N=782 (Receive an allowance)
84. 84
Money Management
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
36%
48%
54%
55%
77%
86%
89%
0% 20% 40% 60% 80% 100%
My parents have borrowed from my “piggy bank” without paying me back
I usually spend money as soon as I get it
Sometimes what my parents tell me about money is different than what I’ve heard
at school
My parents sometimes confuse me when they talk about money
My parents let me manage my own money
My parents are really good with money
It’s important to save money for emergencies
Q96. HOW MUCH DO YOU AGREE OR DISAGREE WITH THE FOLLOWING
STATEMENTS?
(DISPLAYING PERCENT THAT AGREE)
§ Kids whose parents let them decide how to manage their money are less likely than those whose parents don’t
let them decide to spend their money as soon as they get it (40% vs. 53%)
§ Parents who have declared bankruptcy are more likely than those who haven’t to have kids who say parents
confuse them when talking about money (76% vs. 51%) and that what their parents tell them about money is
sometimes different than what they hear at school (70% vs. 53%)
85. 85
29%
24%
47%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
Not sure
Their retirement
My college
Perceived Savings Priorities
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
Q100. DO YOU THINK IT’S MORE IMPORTANT FOR YOUR PARENTS TO SAVE
FOR THEIR RETIREMENT OR YOUR COLLEGE?
87. 87
50%50%
Respondent Profile
31%
20%
24%
25%
South
Northeast
West
Midwest
Q2. REGIONQ1. AGE Q3. GENDER
Men
Women
Q5. HOUSE HOLD
INCOME
82%
10%
5%
3%
1%
Married
Single
Separated/Divorced
Married (Same sex)
Widow/Widower
Q4. MARITAL STATUS
35%
55%
10%
<35
35–50
51+
23%
49%
28%
<$50K
$50K–$99,999
$100K+
71%
14%
13%
5%
2%
White/Caucasian
Hispanic/Latino
Black/African
American
Asian
Native American
Q6. RACE/ETHNICITY
(Check all that apply)
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
89. 89
Respondent Profile
24%
57%
15%
4%
1%
None
One
Two
Three
Four +
# BOYS IN HOUSEHOLD KID GENDER MIX
15%
24%
61%
Girls only
Boys only
Boys and girls
# GIRLS IN HOUSEHOLD
15%
60%
21%
3%
1%
None
One
Two
Three
Four +
T. Rowe Price 2017 Parents, Kids & Money Survey
N=1,014 (Total respondents)
81%
18%
1%
None
One
Two +
# KIDS 8-14 IN HH# KIDS < 8 IN HH
55%
33%
10%
2%
None
One
Two
Three+
# KIDS > 14 IN HH
68%
28%
4%
One
Two
Three+
91. 91
Objective and Methodology
Objective
§ To understand the basic financial knowledge, attitudes, and behaviors of both parents of
children ages 8-14 and their children ages 8-14.
Methodology
§ T. Rowe Price commissioned an online survey of parents of children ages 8-14 and their
children ages 8-14.
§ The survey was fielded from January 18, 2017, through January 26, 2017, with parent
quotas of approximately 50% men and 50% women.
§ A total of 1,014 parents and children ages 8-14 in the U.S. participated; the sampling error
for a sample of 1,014 is +/- 3.1% at the 95% confidence interval.
§ The survey was fielded through Research Now.
T. Rowe Price 2017 Parents, Kids & Money Survey