A central aspect of poverty measurement is identifying the people and places experiencing financial hardships. This paper explores this relationship using the Consumer Financial Protection Bureau's Financial Well‐Being Scale, which reflects individuals’ self‐assessments of financial challenges. Using this measure, for every 1 percentage point increase in a state's official poverty rate for working‐age adults, there is a 0.59 percentage point increase in the share with low financial well‐being. In contrast, the supplemental poverty rate is negatively correlated with the financial hardship using the CFPB measure. This reflects the supplemental poverty measure's geographic adjustment shifting poverty towards areas with lower rates of financial hardship.

中文翻译：

---

使用自我报告的财务状况评估地理调整对贫困措施的影响


贫困衡量的一个核心方面是确定遭受经济困难的人和地区。本文利用消费者金融保护局的财务健康量表探讨了这种关系，该量表反映了个人对财务挑战的自我评估。采用这一衡量标准，一个州的官方工作年龄成年人贫困率每增加 1 个百分点，低财务状况的比例就会增加 0.59 个百分点。相比之下，使用 CFPB 衡量标准，补充贫困率与经济困难呈负相关。这反映了补充贫困措施的地理调整，将贫困转移到经济困难率较低的地区。