PF - Nancy
Age: 55
Gender: Female
Occupation: Nurse
Family Status: Divorced with three grown-up children
Location: Lives in an urban city on the East Coast, USA
Income: $75,000 per year
PF - Adam
Age: 48
Gender: Male
Occupation: High school physical education teacher
Family Status: Married with two children
Location: Lives in a suburban neighborhood in the Midwest, USA
Income: $60,000 per year
PF - Mike
Age: 44
Gender: Male
Occupation: Office job (IT Specialist)
Family Status: Single with no children
Location: Lives in a major city on the West Coast, USA
Income: $80,000 per year
ART - Angela
Age: 45
Gender: Female
Occupation: High school gym teacher
Family Status: Single with no children
Location: Lives in a suburban town in California, USA
Income: $60,000 per year
ART - Oliver
Age: 60
Gender: Male
Occupation: Software engineer
Family Status: Married with two grown-up children
Location: Lives in Austin, Texas, USA
Income: $95,000 per year
ART - Ruth
Age: 70
Gender: Female
Occupation: Retired school teacher
Family Status: Widowed with four grown-up children and several grandchildren
Location: Lives in a small town in the Midwest, USA
Income: Relies on her retirement funds and social security, earning around $45,000 per year