Endeuda2

Points and Miles

Finance

Products

Services

Tools

Members

APM™

Spanish

English

Points and Miles

Products

Services

Hispanic Finance Index

Tools

Calculators

Members

Spanish

English

Points and Miles

Products

Services

Hispanic Finance Index

Tools

Calculators

Members

Spanish

English

Índice

™

Finanzas Personales

Hispanas

Índice

™

Finanzas Personales

Hispanas

Índice

™

Finanzas Personales

Hispanas

Índice

™

Finanzas Personales

Hispanas

Survey

Late 2026

Profile

Country of residence

1/25

This list of countries includes those belonging to the Hispanosphere (excluding Cuba and Equatorial Guinea), and countries that are demographically relevant or have a higher density or absolute number of Spanish speakers outside the official Hispanic bloc.

Gender

2/25

I prefer not to answer

Male

Female

Age

3/25

18-24

25-34

35-44

45-54

55+

Number of household members

4/25

Includes all members, whether they contribute to the household income or not (dependents).

5 or more

Housing situation

5/25

I do not have housing expenses

I have a lease (I pay rent)

I have a mortgage loan

I own a mortgage-free home

Employment status

6/25

Unemployed/Se {

Employee (part-time)

Full-time employee

Freelancer/Self-employed

Business Owner (without employees)

Business Owner (with employees)

Retired

Profession or occupation

7/25

If you work in more than one sector, choose the one that represents your primary source of income.

Technology / IT / Software

Marketing / Advertising

Finance / Banking

Real Estate

Health

Education

Retail

Manufacturing

Construction

Hospitality / Restaurants / Tourism

Public Administration

Professional Services / Consulting

Art, Entertainment and Media

Transportation and Logistics

Energy and Utilities

Agriculture and Livestock

Accounting / Legal

Other

Currently not working / Retired

Annual household income

8/25

The combined gross income (before taxes) of all individuals living in the same home, regardless of the relationship between the occupants. This includes wages, salaries, pensions, and government benefits. Numbers in USD.

Less than $25,000

$25,000 - $49,999

$50,000 - $74,999

$75,000 - $99,999

$100,000 - $149,999

$150,000 - $199,999

$200,000 - $249,999

$250,000 - $300,000

Over $300,000

Liquidity

How much money do you save a month?

9/25

We understand "savings" as the act of setting aside a portion of current income that is not spent immediately, saving it to cover future needs, emergencies, short- or long-term goals, or to make investments. Figures in USD.

I am not saving at the moment

Under $250

$250 - $499

$500 - $999

$1,000 - $1,499

$1,500 - $1,999

$2,000 - $2,999

$3,000 - $4,999

$5,000 - $7,499

$7,500 - $10,000

Over $10,000

How many months of expenses can you cover with your emergency fund?

10/25

Take the amount of money you have set aside for emergencies and divide it by the sum of your essential expenses for one (1) month. For example, if the sum of all your essential monthly expenses is $1,000 and you have $3,500 in your safety fund, then you can cover 3.5 months (3,500 / 1,000 = 3.5).

I don't have an emergency fund

1 month

2 - 4 months

5 - 6 months

7 months - 1 year

More than 1 year

How much money do you have in liquid savings? (including your safety fund)

11/25

Refers to cash in bank accounts, cash in easily accessible investment accounts (excluding retirement accounts), and others. Figures in USD.

I have no savings

Less than $1,000

$1,000 - $4,999

$5,000 - $9,999

$10,000 - $19,999

$20,000 - $29,999

$30,000 - $49,999

$50,000 - $74,999

$75,000 - $99,999

$100,000 - $149,999

$150,000 - $200,000

Over $200,000

What products do you use to deposit your savings?

11/25

Select all that apply.

Traditional savings accounts

Certificates of deposit

High-yield savings accounts

Money Market Accounts

Others

I have my savings kept at home

Investments

How much money do you invest per month?

13/25

The amount of money allocated for investment. Includes brokerage accounts, retirement accounts, crowdfunding, or other assets. Do not include money that is simply kept in cash or bank accounts. Figures in USD.

I am not investing at this time

Under $250

$250 - $499

$500 - $999

$1,000 - $1,499

$1,500 - $1,999

$2,000 - $2,999

$3,000 - $4,999

$5,000 - $7,499

$7,500 - $10,000

Over $10,000

How much money do you invest per month specifically for your retirement?

14/25

The amount of money specifically destined for retirement. It is the money you invest with the intention of funding your life in the future, when you stop actively producing. It includes automatic and/or manual contributions. This amount cannot be greater than the previous answer. Numbers in USD.

I am not investing for my retirement at this time

Less than $250

$250 - $499

$500 - $999

$1,000 - $1,499

$1,500 - $1,999

$2,000 - $2,999

$3,000 - $4,999

$5,000 - $7,499

$7,500 - $10,000

More than $10,000

Which vehicle do you use to invest for your retirement?

15/25

Select all that apply.

I am not investing for my retirement

401(k) or similar (employer-sponsored)

401(k) or similar (sponsored by you)

Traditional IRA

Roth IRA

Other pension plans

Regular Investment Account (Brokerage Account)

Products offered by insurance companies (IUL, Whole Life, etc.)

What assets do you invest in?

16/25

Select all that apply. Include both assets within any type of investment account, as well as physical assets.

I am not investing at this time

Individual stocks

ETFs/Index Funds

Real estate (in my country of residence)

Real estate (outside my country of residence)

Bonds/Fixed Income

My own business

Gold/Metals

Bitcoin

Cryptocurrencies (excluding Bitcoin)

Alternative investments (private equity, venture capital, art, watches, etc.)

What is the total value of your investments?

17/25

The total amount of all your short-, medium-, and long-term investments, including retirement investments. Excludes liquid savings. Numbers in USD.

I do not have investments

Less than $5,000

$5,000 - $9,999

$10,000 - $24,999

$25,000 - $49,999

$50,000 - $99,999

$100,000 - $199,999

$200,000 - $299,999

$300,000 - $499,999

$500,000 - $749,999

$750,000 - $999,999

$1,000,000 - $1,499,999

$1,500,000 - $1,999,999

$2,000,000 - $3,000,000

Over $3,000,000

What is the household net worth?

18/25

Net worth is the difference between all your assets (everything you own) minus all your liabilities (everything you owe). Basically, it is the real value left over after paying everything owed. Numbers in USD.

Negative net worth (below $0)

$0 - $25,000

$25,000 - $49,999

$50,000 - $99,999

$100,000 - $249,999

$250,000 - $499,999

$500,000 - $749,999

$750,000 - $999,999

$1,000,000 - $1,499,999

$1,500,000 - $1,999,999

$2,000,000 - $2,999,999

$3,000,000 - $5,000,000

Over $5,000,000

Solvency

What type of consumer debt do you have?

19/25

Consumer debt is a type of personal loan that does not generate income, loses value over time, and usually carries an additional financing cost such as interest payments. It does not include mortgages. Select all that apply.

I have no consumer debt

Personal loan

Auto loan

Student loan

Credit card debt

What is the total balance across all of your consumer debts?

20/25

Does not include mortgage. Numbers in USD.

I have no consumer debt

Less than $1,000

$1,000 - $4,999

$5,000 - $9,999

$10,000 - $19,999

$20,000 - $29,999

$30,000 - $49,999

$50,000 - $74,999

$75,000 - $100,000

Over $100,000

How much do you pay monthly in consumer debt?

21/25

The final result of the sum of all your monthly payments to credit cards, personal loans, etc. Figures in USD.

I have no consumer debt

Less than $250

$250 - $499

$500 - $999

$1,000 - $1,499

$1,500 - $2,000

More than $2,000

Do you feel like you have control over getting out of your consumer debt in the next 12 months?

22/25

I have no consumer debt

Yes

Looking ahead

What is your main financial goal for the next 6 to 12 months?

23/25

You can only choose one goal.

Create my emergency fund

Get out of toxic debt

Start investing

Increase my income

Buy a property (to live in)

Buy a property (as an investment)

Increase translation savings and investment rate

Increase my financial knowledge

Pursue early retirement (F.I.R.E.)

What is preventing you the most from achieving that goal today?

24/25

I have no impediments

Lack of capital (I earn little)

Lack of capital (I spend a lot)

Lack of knowledge

Fear of losing money

Lack of discipline

Debts that are drowning me

Do you feel like you have control over achieving your goal in the next 6 to 12 months?

25/25

Yes

Best Cards

2 with Points (Blog)

Personal Finance (Blog)

Hispanic Finance Index

Members

Tools

Analysis

Products

Services

Cookie Policy