This report describes the responses to the fifth annual Survey of Household Economics and Decision making (SHED). The survey is designed to enhance our understanding of how adults in the United States are faring financially. The findings show many signs of growth and improvement along with remaining pockets of distress and fragility. They also reveal new insights into how households approach their financial lives and decisions. Wages and many other aspects of employment affect the economic well-being of workers and their families, including hours worked, employee benefits, and work scheduling. In 2017, most adults were optimistic about their future labor market opportunities. Three in 10 adults work in the “gig economy,” though generally as a supplemental source of income.

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