Overview

This file plots the relationship between HFRS_100 and the 8 core transformed indicators used in the HFRS framework.

The 8 indicators are:

  • Saving/spending behavior: BBDI_sl_w_z
  • Cashflow / emergency savings: FINAS_sl_w_z
  • Wealth management (knowledge): SHUSH_sl_w_z
  • Debt management: MDI_sl_w_z, ODDI_sl_w_z
  • Net worth: PWNETWPT_sl_w_z
  • Income expectations: PATTSTIN_z
  • # of earners: PNBEARG_z

Each figure is shown one by one, not as an 8-panel subplot.

Points show the raw observations and the smoother is fit using PWEIGHT as the weight.

To avoid a few extreme values dominating the x-axis, each indicator plot clips the x-axis to the weighted P1 to P99 range.

Variable List

## # A tibble: 8 × 3
##   variable        domain                        label   
##   <chr>           <chr>                         <chr>   
## 1 BBDI_sl_w_z     Saving/spending behavior      BBDI    
## 2 FINAS_sl_w_z    Cashflow / emergency savings  FINAS   
## 3 SHUSH_sl_w_z    Wealth management (knowledge) SHUSH   
## 4 MDI_sl_w_z      Debt management               MDI     
## 5 ODDI_sl_w_z     Debt management               ODDI    
## 6 PWNETWPT_sl_w_z Net worth                     PWNETWPT
## 7 PATTSTIN_z      Income expectations           PATTSTIN
## 8 PNBEARG_z       # of earners                  PNBEARG

1 Saving / Spending Behavior

2 Cashflow / Emergency Savings

3 Wealth Management (Knowledge)

4 Debt Management — MDI

5 Debt Management — ODDI

6 Net Worth

7 Income Expectations

8 Number of Earners

9 Overall Summary Plot

Session Info

## R version 4.3.2 (2023-10-31)
## Platform: aarch64-apple-darwin20 (64-bit)
## Running under: macOS 26.2
## 
## Matrix products: default
## BLAS:   /Library/Frameworks/R.framework/Versions/4.3-arm64/Resources/lib/libRblas.0.dylib 
## LAPACK: /Library/Frameworks/R.framework/Versions/4.3-arm64/Resources/lib/libRlapack.dylib;  LAPACK version 3.11.0
## 
## locale:
## [1] en_US.UTF-8/en_US.UTF-8/en_US.UTF-8/C/en_US.UTF-8/en_US.UTF-8
## 
## time zone: America/Toronto
## tzcode source: internal
## 
## attached base packages:
## [1] stats     graphics  grDevices utils     datasets  methods   base     
## 
## other attached packages:
##  [1] scales_1.4.0    lubridate_1.9.3 forcats_1.0.0   stringr_1.5.1  
##  [5] dplyr_1.1.4     purrr_1.0.4     readr_2.1.5     tidyr_1.3.1    
##  [9] tibble_3.2.1    ggplot2_3.5.2   tidyverse_2.0.0 here_1.0.1     
## 
## loaded via a namespace (and not attached):
##  [1] sass_0.4.10        utf8_1.2.4         generics_0.1.3     lattice_0.21-9    
##  [5] stringi_1.8.3      hms_1.1.3          digest_0.6.34      magrittr_2.0.3    
##  [9] evaluate_0.23      grid_4.3.2         timechange_0.3.0   RColorBrewer_1.1-3
## [13] fastmap_1.2.0      Matrix_1.6-1.1     rprojroot_2.0.4    jsonlite_1.8.8    
## [17] mgcv_1.9-0         fansi_1.0.6        jquerylib_0.1.4    cli_3.6.5         
## [21] rlang_1.1.6        crayon_1.5.2       splines_4.3.2      bit64_4.0.5       
## [25] withr_3.0.2        cachem_1.1.0       yaml_2.3.8         tools_4.3.2       
## [29] parallel_4.3.2     tzdb_0.5.0         vctrs_0.6.5        R6_2.5.1          
## [33] lifecycle_1.0.4    bit_4.0.5          vroom_1.6.5        pkgconfig_2.0.3   
## [37] pillar_1.9.0       bslib_0.6.1        gtable_0.3.6       glue_1.8.0        
## [41] highr_0.11         xfun_0.52          tidyselect_1.2.1   rstudioapi_0.15.0 
## [45] knitr_1.48         farver_2.1.1       nlme_3.1-163       htmltools_0.5.8.1 
## [49] labeling_0.4.3     rmarkdown_2.25     compiler_4.3.2