Consumer Spending by Older Americans, 1985 to 2005

^Pr^ep^ar^{ed f}^o^r^M^e^m^b^ers^an^d^Com^mⁱ^t^t^ees^of^C^ong^r^e^ss

The population of the United States is growing older. Because of the aging of the population and
the decline in income that occurs when people retire, both the amount and the composition of
spending by American households could change substantially as the 76 million members of the
baby boom generation reach retirement age. This CRS report presents data on spending by
Americans aged 55 and older collected by the U.S. Department of Labor through its Consumer
Expenditure Survey (CES). From 1985 to 2005, the average annual expenditures of older
Americans rose along with their incomes, and the distribution of spending among expenditure
categories changed. These changes were the result of changing tastes and preferences among
consumers and differences in the rates of price increase among various classes of goods and
services.
Between 1985 and 2005, the average annual expenditures of families headed by persons between
the ages of 55 and 64, adjusted for inflation, rose by 7.5%. Spending on housing rose by 29.6%,
and expenditures on health care rose by 39%. The average annual expenditures of families headed
by persons between the ages of 65 and 74 rose by 15.7%. Their average housing expenditures
rose by 22.5%, while their spending on health care rose by 40%. The average annual expenditures
of families headed by persons aged 75 and over rose by 13.3%. Average housing expenditures
among this age group rose by 20.4%, while their spending on health care rose by 40%. As a
result, by 2005 housing and health care comprised a larger share of total expenditures among
Americans 55 and older than they did in 1985.
Much of the increase in health care spending was due to the rapid rise in the price of medical
goods and services. Between 1985 and 2005, the Consumer Price Index (CPI) for medical care
rose by 185%, while the CPI for all goods and services rose by 82%. Health care expenditures
rose not only because of inflation but also because of the introduction of new medicines, medical
equipment, and procedures that either replaced older treatments or that represented entirely new
forms of medical care. The increase in health care expenditures was concentrated in two
categories: health insurance premiums and out-of-pocket spending for prescription drugs, both of
which rose substantially between 1985 and 2005. Out-of-pocket spending for medical services
and supplies, on the other hand, fell during the period. The increase in housing expenditures
cannot be attributed to inflation, at least as it is measured by the Consumer Price Index. Between
1985 and 2005, both the CPI for housing and the CPI for all goods and services rose by 82%. The
CPI may understate the growth in the cost of housing because it includes rising rents but not
rising home prices.
If Americans merely choose to buy more health care and more housing, then there is no obvious
role for public policy to influence that choice. However, to the extent that other forms of spending
are “squeezed out” by increases in the cost of housing and health care that are caused by market
inefficiencies or the unintended consequences of federal tax laws, then intervention to correct the
market failures and a review of the incentives caused by these tax policies may be warranted.
This report will be updated as new data become available.

Background: America’s Aging Population......................................................................................1
Changes in Spending, by Expenditure Category, 1985 to 2005......................................................3
Families Headed by Persons Aged 55 to 64..............................................................................3
Families Headed by Persons Aged 65 to 74..............................................................................4
Families Headed by Persons Aged 75 and Older......................................................................4
Changes in Spending, by Share of Total Expenditures....................................................................9
Families Headed by Persons Aged 55 to 64..............................................................................9
Families Headed by Persons Aged 65 to 74..............................................................................9
Families Headed by Persons Aged 75 and Older......................................................................9
Cohort Analysis of Expenditures from 1985 to 2005....................................................................13
Expenditures in 2005 by Age, Marital Status, Employment, and Income.....................................16
Expenditures by Age: Married Couples..................................................................................16
Expenditures by Age: Unmarried Men and Women................................................................17
Expenditures by Employment Status: Married Couples.........................................................25
Expenditures by Employment Status: Unmarried Men and Women.......................................25
Expenditures by Income: Married Couples.............................................................................33
Expenditures by Income: Unmarried Men and Women..........................................................33
Conclusion and Policy Implications..............................................................................................47
Figure 1. Average Annual Total Expenditures, by Age of Family Head..........................................6
Figure 2. Average Annual Housing Expenditures by Age of Family Head.....................................6
Figure 3. Average Annual Health Care Expenditures, by Age of Family Head..............................7
Figure 4. Average Annual Food Expenditures, by Age of Family Head.........................................7
Figure 5. Average Annual Clothing Expenditures, by Age of Family Head....................................8
Figure 6. Average Annual Transportation Expenditures, by Age of Family Head..........................8
Figure 7. Expenditures in 1985, Family Head Aged 55 to 64.......................................................10
Figure 8. Expenditures in 2005, Family Head Aged 55 to 64.......................................................10
Figure 9. Expenditures in 1985, Family Head Aged 65 to 74........................................................11
Figure 10. Expenditures in 2005, Family Head aged 65 to 74.......................................................11
Figure 11. Expenditures in 1985, Family Head Aged 75 or Older................................................12
Figure 12. Expenditures in 2005, Family Head Aged 75 or Older................................................12
Figure 13. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples......................19
Figure 14. Share of Expenditures in 2005, by Percentile Rank: Married Couples........................20
Figure 15. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men.......................21
Figure 16. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men.........................22
Figure 17. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women..................23

Figure 18. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women....................24
Figure 19. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples, by
Employment ..................................................................................................................... .......... 27
Figure 20. Share of Expenditures in 2005, by Percentile Rank: Married Couples, by
Employment ..................................................................................................................... .......... 28
Figure 21. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men, by
Employment ..................................................................................................................... .......... 29
Figure 22. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men, by
Employment ..................................................................................................................... .......... 30
Figure 23. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women, by
Employment ..................................................................................................................... .......... 31
Figure 24. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women, by
Employment ..................................................................................................................... .......... 32
Figure 25. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples Aged
55-64, by Income........................................................................................................................35
Figure 26. Share of Expenditures in 2005, by Percentile Rank: Married Couples Aged 55-
64, by Income.............................................................................................................................36
Figure 27. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples Aged
65+, by Income...........................................................................................................................37
Figure 28. Share of Expenditures in 2005, by Percentile Rank: Married Couples Aged
65+, by Income...........................................................................................................................38
Figure 29. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men Aged 55-
64, by Income.............................................................................................................................39
Figure 30. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men Aged 55-
64, by Income.............................................................................................................................40
Figure 31. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men Aged
65+, by Income...........................................................................................................................41
Figure 32. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men Aged
65+, by Income...........................................................................................................................42
Figure 33. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women Aged
55-64, by Income........................................................................................................................43
Figure 34. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women Aged
55-64, by Income........................................................................................................................44
Figure 35. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women Aged
65+, by Income...........................................................................................................................45
Figure 36. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women Aged
65+, by Income...........................................................................................................................46
Table 1. Projections of the Resident U.S. Population, by Age........................................................1
Table 2. Average Expenditures, by Age of Family Head at 10-Year Intervals..............................14

Table A-1. Average Annual Expenditures, Family Head Aged 55 to 64.......................................50
Table A-2. Average Annual Expenditures, Family Head Aged 65 to 74.......................................51
Table A-3. Average Annual Expenditures, Family Head Aged 75 or Older..................................52
Table A-4. Average Quarterly Spending in 2005 by Marital Status and Age................................54
Table A-5. Share of Total Spending by Category in 2005 by Marital Status and Age..................55
Table A-6. Average Quarterly Expenditures in 2005 by Employment and Age: Married
Couples ........................................................................................................................ ............... 56
Table A-7. Average Quarterly Expenditures in 2005 by Employment and Age: Unmarried
Men ............................................................................................................................ ................ 57
Table A-8. Average Quarterly Expenditures in 2005 by Employment and Age: Unmarried
Wome n ....................................................................................................................................... 58
Table A-9. Average Share of Expenditures in 2005 by Employment and Age: Married
Couples ........................................................................................................................ ............... 59
Table A-10. Average Share of Expenditures in 2005 by Employment and Age: Unmarried
Men ............................................................................................................................ ................ 60
Table A-11. Average Share of Expenditures in 2005 by Employment and Age: Unmarried
Wome n ....................................................................................................................................... 61
Table A-12. Average Quarterly Expenditures in 2005 by Annual Income and Age:
Married Couples.........................................................................................................................62
Table A-13. Average Quarterly Expenditures in 2005 by Annual Income and Age:
Unmarried Men..........................................................................................................................63
Table A-14. Average Quarterly Expenditures in 2005 by Annual Income and Age:
Unmarried Women.....................................................................................................................64
Table A-15. Share of Total Expenditures by Category in 2005 by Income and Age:
Married Couples.........................................................................................................................65
Table A-16. Share of Total Expenditures by Category in 2005 by Income and Age:
Unmarried Men..........................................................................................................................66
Table A-17. Share of Total Expenditures by Category in 2005 by Income and Age:
Unmarried Women.....................................................................................................................67
Appendix. Data Tables..................................................................................................................50
Author Contact Information..........................................................................................................68

The population of the United States is growing older. Birth rates soared in the 20 years after
1945—creating the demographic phenomenon called the “baby boom”—and then fell to lower
levels. Now, the oldest of the 76 million Americans who were born between 1946 and 1964 are
nearing the ages of eligibility for Social Security (62) and Medicare (65). As the result of
increases in life expectancy, many of these individuals will live for 20 years or more after ^th
reaching their 65 birthdays. For example, in 1960 a 65 year-old man had a remaining life
expectancy of 13 years and a 65 year-old woman had a remaining life expectancy of 16 years. By

2004, a 65 year-old man had a remaining life expectancy of 17 years and a 65 year-old woman ¹

had a remaining life expectancy of 20 years.
As more people live into old age, the age profile of the U.S. population will change.² In 2005,

36.7 million Americans were aged 65 or older, representing 12.4% of the population. By 2025,

according to projections made by the Bureau of the Census, 63.5 million people will be 65 or
older, comprising 18.2% of the U.S. population. (See Table 1.)
Table 1. Projections of the Resident U.S. Population, by Age
^{(in thousands, as of July}^{1 eac}^h^year)
^Age²⁰⁰⁵²⁰¹^{5 202}⁵²⁰³^{5 204}^{5 205}⁰
^Under²⁰^81,9⁷²^85,2⁰⁸^92,0²⁶^98,1^{92 105,}³⁴^{4 109,}¹⁴⁷
²⁰^to⁶⁴^176,⁸³⁹^190,³⁶^{8 193,}⁸⁸⁸^203,⁰⁵^{2 217,}⁵⁵^{9 224,}⁰⁰¹
⁶⁵^to⁶⁹^10,1²³^15,6^{21 19,6}⁴⁷^18,6^{83 18,8}^{29 20,4}⁴⁴
⁷⁰^to⁷⁹^15,8⁷⁶^18,7^{48 28,3}⁰⁹^34,1^{14 32,1}^{83 32,5}⁶⁶
⁸⁰^a^nd^u^p^10,6⁹⁶^12,4^{22 15,5}⁶⁸^23,8^{44 31,9}^{47 33,6}⁹⁶
^Total^295,⁵⁰⁶^322,³⁶^{7 349,}⁴³⁸^377,⁸⁸^{5 405,}⁸⁶^{2 419,}⁸⁵⁴
⁶⁵^and^older^36,6⁹⁵^46,7^{91 63,5}²⁴^76,6^{41 82,9}^{59 86,7}⁰⁶
^%^of^Tota^l^12.4^{14.5 18.2}^{20.3 20.4 20.7}
^Source:^{U.S. Census Bu}^reau^htt^{p://www.census.gov/ipc/}^{www/usinterimproj/}^.
The aging of the population will have important implications for both the federal budget and the
economy. The labor force participation rate—the percentage of the population who are either ³
employed or looking for work—begins to fall after age 55 and drops sharply after age 65. In
retirement, individuals receive most of their income from pensions, savings, and Social Security
rather than from wages. Most people experience a decline in total income when they stop
working, in part because many of them either do not have a pension, have not saved for
retirement, or both. Data collected by the Federal Reserve Board indicate that just 50% of all U.S.
households owned either an individual retirement account (IRA) or an employer-sponsored

¹^{U.S. Na}^tio^na^{l Ce}^nte^r^f^o^{r He}^a^lth^Sta^tistic^s,^H^e^alth^,^Uⁿⁱ^t^e^d^State^s^{, 200}⁶^.
²^Se^e^C^R^S^R^e^por^{t R}^L³²⁷⁰¹^,^T^h^e^Chan^gi^{ng De}^mo^gra^phic^Pr^ofile^o^f^the^Un^ite^d^State^s^,^by^L^a^ur^a^B^.^Shr^e^s^t^ha^.
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^Purc^e^ll.

retirement savings plan (such as a 401(k) plan) in 2004.⁴ Only about half of all workers in the
United States participate in a pension or retirement savings plan where they work, and only 35% ⁵
percent of Americans aged 65 or older received income from a pension in 2005.
Because of the demographic trend toward an older population and the decline in income that
occurs as people leave the labor force for retirement, both the amount and the composition of
consumption spending by American households could change substantially as the 76 million
members of the baby boom reach retirement age. As Congress considers reforms to Social
Security, Medicare, Medicaid, tax-deferred retirement savings plans, and other programs that
provide income and benefits to older Americans, it may be helpful for policymakers to consider
how older individuals spend their income and how this spending has changed over time.
This report presents data on spending by Americans aged 55 and older collected by the U.S.
Department of Labor through its Consumer Expenditure Survey (CES). CES data are used by the
Bureau of Labor Statistics to develop the market basket of goods and services that are sampled to
measure the rate of price inflation, as reported in the Consumer Price Index (CPI). The CES is
also used by researchers in government, business, and academia to study the buying habits of
households. The survey is conducted by the Census Bureau on behalf of the Bureau of Labor ⁶
Statistics of the U.S. Department of Labor. It consists of both a diary survey that is completed by
participating households over a two-week period and an interview survey, in which expenditures
are measured in five interviews conducted at three-month intervals. For the diary survey, about
7,500 households are sampled each year. The sample for the interview surveys consists of about
7,500 households during each quarter of the year, with each household being interviewed a total
of five times. The BLS estimates that the interview survey captures about 95% of all consumer
spending, while the remainder is accounted for through the diary survey.
This report presents summary information on trends in spending by older Americans from 1985 to
2005 and a detailed analysis of spending in 2005. The data are presented mainly in charts in the
body of the report, but tables showing the data on which each of the charts is based are included
in an appendix. The CES describes spending by consumer units. A consumer unit can be either a
family, a single person living alone or sharing a household with others, but who is financially
independent, or it can be two or more persons living together who share expenses. In this report,
the terms “consumer unit” and “family” are used interchangeably, regardless of the number of
people who are members of the consumer unit. All of the CES expenditure categories are
included except contributions to pensions and Social Security, which economists generally agree
represent a form of saving rather than consumption expenditures. All expenditures are reported in
constant 2005 dollars.

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²⁰⁰⁴^{, by}^P^a^tric^k^P^u^rc^e^ll.
⁵^For^m^o^r^e^inf^o^r^m^a^{tion o}ⁿ^pe^ns^ion^pa^r^tic^ipa^tⁱ^on,^s^e^e^C^R^S^R^e^por^t^R^L³⁰¹²^2,^Pe^ns^io^{n S}^p^oⁿ^s^o^r^s^hⁱ^p^an^{d Par}^t^ic^ipa^tio^n:
^S^u^mma^{ry of}^R^ecen^t^T^r^end^s^,^by^P^a^tr^ic^k^Pur^c^e^{ll. F}^o^r^a^de^s^c^rⁱ^pt^io^{n of}^the^inc^o^m^e^am^ong^olde^r^A^m^e^rⁱ^c^ans^,^s^e^e^C^R^S
^R^e^por^{t R}^L³²⁶⁹^7,^Iⁿ^c^o^m^e^a^nd^Po^v^e^r^ty^Am^{ong O}^l^de^r^Am^e^r^ic^ansⁱⁿ²⁰⁰⁷^{, by}^P^a^tric^k^P^u^rc^e^ll.
⁶^For^a^m^o^r^e^de^ta^ile^d^de^s^c^rⁱ^ptioⁿ^o^f^the^C^ons^um^e^r^Ex^pe^nditu^r^e^Sur^v^ey^{, s}^e^e^C^ons^um^e^r^Ex^pe^ndit^u^r^e^sⁱⁿ²⁰⁰⁵^,^Bu^reau^o^f
^L^a^bor^Sta^tis^tic^s^,^U^.^S.^D^e^pa^r^t^m^e^{nt of}^L^a^bor^{, R}^e^por^t⁹^98,^Fe^br^ua^r^y²⁰⁰⁷^a^t^h^ttp:/^/w^w^w^.bls^.g^ov^/c^e^x^/^c^sx^a^nn05.^pdf^.

Over the twenty years from 1985 to 2005, the average annual expenditures of older Americans
rose along with their incomes, and the distribution of spending among expenditure categories
changed. These patterns reflected both changing tastes and preferences and differences in the ⁷
rates of price increase among various classes of goods and services. Figure 1 through Figure 6
show spending by type of expenditure by families headed by persons 55 or older in 1985, 1990, ⁸

1995, 2000, and 2005. As noted above, we refer here to all consumer units, including single ⁹

persons, as families throughout the report. Data are shown separately for three age groups: 55 to

64, 65 to 74, and 75 or older.

Among all three age groups, spending on housing and health care rose between 1985 and 2005.
Spending on housing represents the sum of expenditures for mortgage payments or rent plus
insurance, repairs, utilities, fuel, public services, and household operations and supplies. ¹⁰
Mortgage payments include payment of both principal and interest. Health care spending, as
measured by the Consumer Expenditure Survey, represents out-of-pocket spending for health
insurance premiums, deductibles, and copayments, and out-of-pocket spending for medical
services, supplies, and prescription drugs. It does not include spending paid for by private health
insurance, Medicare, or Medicaid. (See Table A-1 in the Appendix.)
Average spending on apparel and services fell throughout the period. Spending on food varied
slightly, but was lower in real terms in 2005 than in 1985 among all three age groups. Spending
on transportation fell from 1985 to 1995 and rose between 1995 and 2005 among all three age
groups.
Between 1985 and 2005, the average annual expenditures of families headed by persons between ¹¹
the ages of 55 and 64, adjusted for inflation, rose from $41,127 to $44,224, an increase of 7.5%.
(See Figure 1.) In both 1985 and 2005, the three largest categories of expenditure were housing,
transportation, and food. Together, average spending on these three categories totaled 67% of
total spending in 1985 and 70% of total spending in 2005. Spending on housing rose from
$12,165 in 1985 to $15,769 in 2005, an increase of 29.6%. (See Figure 2.) Real expenditures on ¹²
health care rose from $2,459 in 1985 to $3,410 in 2005, an increase of 39%. (See Figure 3.)

⁷^T^h^is^r^e^por^{t i}ⁿ^c^l^u^d^e^s^C^E^S^da^ta^c^o^v^e^rⁱ^ng^the^pe^rⁱ^o^d^f^r^om¹⁹⁸⁵^to²⁰^{05. B}^ecau^{se o}^f^ch^an^{ges i}ⁿ^t^h^{e su}^r^v^e^y^,^d^a^t^a
^c^o^lle^c^t^e^d^be^f^o^r^e¹⁹⁸⁴^a^r^e^not^dir^e^c^tly^c^o^m^p^a^r^a^b^le^{to da}^ta^c^o^lle^c^t^e^d^a^f^te^r^tha^t^da^te^{. A}^s^of^Se^ptem^be^r²⁰⁰⁷^{, t}^h^e^m^o^s^t
^recen^t^avai^l^a^b^l^{e CE}^S^d^a^t^a^w^e^{re c}^o^l^l^ect^edⁱⁿ²⁰⁰⁵^.
⁸^{In t}^h^e^CES,^m^a^rrie^d^c^ouple^s^de^cⁱ^de^w^h^ic^{h pe}^rs^on^w^{ill be}^re^f^e^rre^{d to a}^s^the^f^a^mⁱ^l^y^he^a^d^.
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^A3^.
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^hom^e^o^wⁿ^e^r^buildiⁿ^g^e^quity^{in t}^h^e^pr^o^p^e^r^ty^{, f}^o^r^pur^pos^e^s^of^th^{is a}ⁿ^a^l^y^s^{is, the}^f^a^mⁱ^l^y^{’s tota}^{l outla}^y^s^f^o^{r ho}^using^a^r^e^the
^m^o^{re rel}^e^van^t^measu^r^e.
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^by^the^c^ons^um^e^r^unit.
¹²^B^e^tw^ee^{n 19}^{85 a}^nd²⁰⁰⁵^{, the}^C^P^I^-^U^f^o^r^a^{ll g}^oods^aⁿ^{d s}^e^r^v^ic^e^s^r^o^s^e^f^r^o^m^107.^{6 t}^o¹⁹^5.3^,^aⁿⁱⁿ^c^r^e^a^s^e^of^81.^5%^{. T}^h^e
⁽^c^onti^nue^d.^..)

The increase in health care spending was accounted for entirely by higher spending for health
insurance and prescription drugs, which rose by 88%, from an average of $1,220 in 1985 to
$2,298 in 2005. Average out-of-pocket spending for medical services and supplies fell in real
terms from $1,242 in 1985 to $1,113 in 2005, a decline of 10%. (See Table A-1 in the
Appendix.)
Average spending on both food and transportation fell from 1985 to 1995 and then rose from
1995 to 2005. (See Figure 3 and Figure 6.) Average spending on clothing (including laundry
services) fell from $2,821 in 1985 to $1,784 in 2005, in part because of the slow rise in clothing ¹³
prices compared to the prices of other goods and services. (See Figure 5.)
Between 1985 and 2005, the average annual expenditures of families headed by persons between
the ages of 65 and 74, adjusted for inflation, rose from $31,491 to $36,442, an increase of 15.7%.
Average housing expenditures rose from $10,184 in 1985 to $12,474 in 2005, an increase of
22.5%. Average spending on health care rose from $2,993 in 1985 to $4,176 in 2005, an increase
of 40%. As was true among families in the 55 to 64 age group, the increase in health care
spending was accounted for entirely by increased spending for health insurance and prescription
drugs. Average spending on health insurance and prescription drugs rose from $1,783 in 2005 to
$3,308 in 2005, an increase of 86%. At the same time, average out-of-pocket spending on medical
services and supplies fell from $1,208 to $867, a decline of 28%. (See Table A-2 in the
Appendix.)
Average spending on food fell from $5,026 in 1985 to $4,899 in 2005, while spending on apparel
and services fell from $1,924 in 1985 to $1,313 in 2005. Average spending on transportation fell
from $5,928 in 1985 to $5,742 in 1995, before rising to $6,568 in 2005.
Between 1985 and 2005, the average annual expenditures of families headed by persons aged 75
and over, adjusted for inflation, rose from $23,314 to $26,417, an increase of 13.3%. Average
housing expenditures rose from $7,984 in 1985 to $9,612 in 2005, an increase of 20.4%. In this
age group, spending on health care rose from $3,006 in 1985 to $4,210 in 2005, an increase of
40%. As was the case among families in the two younger age groups, the increase in health care
spending was accounted for by increased spending for health insurance and prescription drugs,
which rose from $1,697 in 1985 to $3,258 in 2005, an increase of 92%. Average out-of-pocket
spending for medical services and supplies fell from $1,307 in 1985 to $951 in 2005, a 27%
decline. (See Table A-3 in the Appendix.)
Also in keeping with the pattern observed among the younger families, average spending on food
and spending on apparel and services fell among families headed by persons aged 75 or older.
Average spending on food fell from $3,701 in 1985 to $3,388 in 2005. Average spending on

^(...c^on^tin^ue^d)
^C^P^I^f^o^r^m^e^dic^a^l^c^a^r^e^r^o^s^e^f^r^o^m^113.^{5 t}^o³²³^.^2,^a¹^85%ⁱⁿ^c^r^e^a^s^e^.
¹³^B^e^tw^ee^{n 19}^{85 a}^nd²⁰⁰⁵^{, the}^C^P^I^-^U^f^o^r^a^{ll g}^oods^aⁿ^{d s}^e^r^v^ic^e^s^r^o^s^e^f^r^o^m^107.^{6 t}^o¹⁹^5.3^,^aⁿⁱⁿ^c^r^e^a^s^e^of^81.^5%^{. T}^h^e
^C^P^I^f^o^r^c^l^othⁱ^ng^r^o^s^e^f^r^om^105.^{0 t}^o¹^19.^{5, a}ⁿⁱⁿ^c^r^e^a^s^e^of^13.8%^.

apparel and services fell from $889 in 1985 to $584 in 2005. Spending on transportation rose
from $3,258 in 1985 to $3,754 in 2005.

Figure 1. Average Annual Total Expenditures, by Age of Family Head
^$4^5,00⁰
^$4^0,00⁰
^$3^5,00⁰
⁾
^$3^0,00⁰^l^l^a^r^s
^o
^$2^5,00⁰⁰⁵^D
²⁰
^$2^0,00⁰^t⁽ⁱⁿ
ⁿ
^$1^5,00⁰^m^o^u
^A
^$1^0,00⁰
^$5^,⁰⁰⁰
^$0
¹⁹⁸⁵¹⁹⁹⁰¹⁹⁹⁵²⁰⁰⁰²⁰⁰⁵
^Ag^e⁵⁵^-⁶⁴^Ag^e⁶⁵^-⁷⁴^Ag^e⁷⁵⁺
Figure 2. Average Annual Housing Expenditures by Age of Family Head
^$1^6,00⁰
^$1^4,00⁰
^$1^2,00⁰⁾
^s
^a^r
^$1^0,00⁰^o^l^l
^D
^$8^,⁰⁰⁰²⁰⁰⁵
ⁿ
⁽ⁱ
^$6^,⁰⁰⁰^o^uⁿ^t
^m
^$4^,⁰⁰⁰^A
^$2^,⁰⁰⁰
^$0
¹⁹⁸⁵¹⁹⁹⁰¹⁹⁹⁵²⁰⁰⁰²⁰⁰⁵
^Ag^e⁵⁵^-⁶⁴^Ag^e⁶⁵^-⁷⁴^A^g^e⁷⁵⁺
^Source:^{CRS analysis of the}¹⁹⁸⁵^and²⁰^{05 Cons}^umer^E^xpe^{nditure Surveys. Amou}^{nts in}²⁰⁰⁵^doll^ars.

Figure 3. Average Annual Health Care Expenditures, by Age of Family Head
^$16^,000
^$14^,000
^$12^,000
^s⁾
^$10^,000^o^llar
^{05 D}
^$8^,000²⁰
^t⁽ⁱⁿ
^$6^,000^o^uⁿ
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^$4^,000^Am
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^$2^,000
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^$0
¹⁹⁸⁵¹⁹⁹⁰¹⁹⁹⁵²⁰⁰⁰²⁰⁰⁵
^00000000^00000000^0000000^0000000^0000000^0000000
^Ag^e⁵⁵^-⁶⁴^Ag^e⁶⁵^-⁷⁴^Ag^{e 75}⁺
Figure 4. Average Annual Food Expenditures, by Age of Family Head
^$16^,000
^$14^,000
^$12^,000
^s⁾
^$10^,000^o^llar
^{05 D}
^$8^,000²⁰
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}ⁿ^t⁽ⁱⁿ
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^$6^,000^o^u
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^Am
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^$4^,000
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^$2^,000
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}
^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^{00000000000000000}^$0
¹⁹⁸⁵¹⁹⁹⁰¹⁹⁹⁵²⁰⁰⁰²⁰⁰⁵
^00000000^00000000^0000000^0000000^0000000^0000000
^Ag^e⁵⁵^-⁶⁴^Ag^e⁶⁵^-⁷⁴^Ag^{e 75}⁺
^Source:^{CRS analysis of the}¹⁹⁸⁵^and²⁰^{05 Cons}^umer^E^xpe^{nditure Surveys. Amou}^{nts in}²⁰⁰⁵^doll^ars.

Figure 5. Average Annual Clothing Expenditures, by Age of Family Head
^$1^6,00⁰
^$1^4,00⁰
^$1^2,00⁰⁾
^r^s
^$1^0,00⁰^o^l^l^a
^{5 D}
^$8^,⁰⁰⁰²⁰⁰
⁽ⁱⁿ
^$6^,⁰⁰⁰^ouⁿ^t
^m
^$4^,⁰⁰⁰^A
^$2^,⁰⁰⁰
^$0
¹⁹⁸⁵¹⁹⁹⁰¹⁹⁹⁵²⁰⁰⁰²⁰⁰⁵
^Ag^e⁵⁵^-⁶⁴^Ag^e⁶⁵^-⁷⁴^A^g^e⁷⁵⁺
Figure 6. Average Annual Transportation Expenditures, by Age of Family Head
^$^16,⁰⁰⁰
^$^14,⁰⁰⁰
^$^12,⁰⁰⁰
^$^10,⁰⁰⁰^l^l^ars)
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{5 Do}
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^$8,⁰⁰⁰
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}⁽ⁱ^{n 200}
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^$6,⁰⁰⁰^ount
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^A^m
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^$4,⁰⁰⁰
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^$2,⁰⁰⁰
^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}
^{00000000000000000}^{000000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{000000000000000000}^{000000000000000000}^{000000000000000000}^{00000000000000000}^{000000000000000000}^$0
¹⁹⁸⁵¹⁹⁹⁰¹⁹⁹⁵²⁰⁰⁰²⁰⁰⁵
^0000000^0000000Age 55-64^00000000^00000000Age 65-74^00000000^00000000Age 75+
^Source:^{CRS analysis of the}¹⁹⁸⁵^and²⁰^{05 Cons}^umer^E^xpe^{nditure Surveys. Amou}^{nts in}²⁰⁰⁵^doll^ars.

In both 1985 and 2005, the three largest categories of expenditure among families headed by
persons between the ages of 55 and 64 were housing, transportation, and food. Average spending
on these three categories accounted for 67.1% of total spending in 1985 and 69.7% of total
spending in 2005. (See Figure 7 and Figure 8.) Expenditures for housing, including mortgage or
rent, insurance, utilities, public services, taxes, and household operations and supplies, rose from
29.5% of average family expenditures in 1985 to 35.6% in 2005. Out-of-pocket spending on
health care rose from 6.0% of total spending in 1985 to 7.7% in 2005 among families headed by
persons aged 55 to 64. As was discussed in the previous section, the increase in health care
spending resulted entirely from higher spending on health insurance and prescription drugs.
Spending on medical services and supplies fell during the period. Spending on food fell from

16.1% to 14.0% of total expenditures, while transportation fell from 21.5% to 20.1% of spending.

Spending on apparel and services fell from 6.9% of total expenditures in 1985 to 4.0% in 2005.
As with families headed by persons aged 55 to 64, in both 1985 and 2005 the three largest
categories of expenditure among families headed by persons between the ages of 65 and 74 were
housing, transportation, and food. (See Figure 9 and Figure 10.) Together, average spending on
these three categories accounted for 67.2% of total spending in 1985 and 65.6% of total spending
in 2005. The share of spending accounted for by housing rose from 32.3% in 1985 to 34.2% in
2005. Spending on health care rose from 9.5% of spending in 1985 to 11.5% in 2005. Over this
period, average spending on food fell from 16.0% to 13.4% of total spending, and average
spending on transportation fell slightly from 18.8% to 18.0% of total expenditures. As a share of
total expenditures, spending on apparel and services fell from 6.1% in 1985 to 3.6% in 2005.
In 1985, the three largest categories of expenditure among families headed by persons aged 75
and over were housing, transportation, and food, which together accounted for 64.2% of total
spending. (See Figure 11.) By 2005, however, the share of average expenditures accounted for by
health care exceeded average expenditures on either food or transportation among families
headed by persons aged 75 and older. In 2005, housing, health care, and transportation together
accounted for 66.5% of average spending by families headed by persons aged 75 and older. (See
Figure 12.) As a share of total expenditures, housing rose from 34.2% in 1985 to 36.4% in 2005.
Out-of-pocket spending on health care rose from 12.9% of total expenditures in 1985 to 15.9% in
2005. Spending on transportation remained stable at 14% of total spending. As a share of total
expenditures, spending on apparel and services fell from 3.8% in 1985 to 2.2% in 2005. Average
spending on food fell from 15.9% to 12.8% of total spending between 1985 and 2005.

Figure 7. Expenditures in 1985, Family Head Aged 55 to 64
^Al^l^o^t^h^e^r^Fo^o^d
^e^x^p^e^ndⁱ^t^ur^e^s^16%
¹⁵^%
^En^t^e^r^t^aⁱⁿ^m^eⁿ^t
^5%
^He^a^l^t^h^ca^r^e
^6%
^Ho^u^sⁱⁿ^g
²⁹^%
^T^r^aⁿ^s^p^or^t^a^ti^on
²²^%
^C^l^othⁱⁿ^g^7%
Figure 8. Expenditures in 2005, Family Head Aged 55 to 64
^A^{ll o}^t^h^e^r
^Fo^o^d^e^x^p^e^ndⁱ^t^ur^e^s
¹⁴^%¹³^%
^En^t^e^r^t^aⁱⁿ^m^eⁿ^t
^5%
^H^e^a^l^t^h^ca^re
^8%
^Hou^sⁱⁿ^g
^T^r^an^s^p^o^r^tati^on³⁶^%
²⁰^%
^Cl^o^t^hⁱⁿ^g⁴^%
^Source:^{CRS analysis of the}¹⁹⁸⁵^and²⁰^{05 Cons}^umer^E^xpe^{nditure Surveys.}

Figure 9. Expenditures in 1985, Family Head Aged 65 to 74
^Al^l^ot^he^r
^Foo^d^e^x^pe^nd^it^ur^es
^16%¹³^%
^Eⁿ^t^ert^ai^nm^eⁿ^t
^4%
^H^e^a^l^t^h^ca^re
¹⁰^%
^Hou^sⁱⁿ^g
³²^%
^T^r^aⁿ^s^p^or^ta^ti^on
^19%
^C^l^ot^hi^ng⁶^%
Figure 10. Expenditures in 2005, Family Head aged 65 to 74
^Al^l^ot^he^r^Fo^od
^ex^pe^nd^it^ure^s¹³^%
¹³^%
^En^te^rt^aⁱⁿ^m^en^t
^6%
^He^a^l^t^h^c^a^r^e
¹¹^%
^Ho^usⁱⁿ^g
³⁵^%
^T^r^an^sp^or^ta^tioⁿ
¹⁸^%
^Cl^ot^hi^ng^4%
^Source:^{CRS analysis of the}¹⁹⁸⁵^and²⁰^{05 Cons}^umer^E^xpe^{nditure Surveys.}

Figure 11. Expenditures in 1985, Family Head Aged 75 or Older
^F^ood^A^{ll o}^t^h^e^r
¹⁶^%^e^x^p^e^ndⁱ^t^ur^e^s
¹⁶^%
^En^t^e^r^t^aⁱⁿ^m^eⁿ^t
^3%
^H^e^a^l^t^h^ca^re
¹³^%
^Hou^sⁱⁿ^g
³⁴^%
^T^r^an^s^p^o^r^tati^oⁿ
¹⁴^%
^Cl^o^t^hi^ng⁴^%
Figure 12. Expenditures in 2005, Family Head Aged 75 or Older
^A^{ll o}^t^h^e^r^Fo^o^d
^e^x^p^e^ndⁱ^t^ur^e^s^13%
¹⁵^%
^En^t^e^r^t^aⁱⁿ^m^eⁿ^t
^4%
^He^al^th^c^a^r^e
^16%
^Ho^u^sⁱⁿ^g
³⁶^%
^T^r^aⁿ^s^p^or^tati^on
¹⁴^%
^Cl^o^t^hiⁿ^g²^%
^Source:^{CRS analysis of the}¹⁹⁸⁵^and²⁰^{05 Cons}^umer^E^xpe^{nditure Surveys.}

The data presented in Figure 1 through Figure 12 illustrate how consumer expenditures changed
within each of three age categories between 1985 and 2005. However, an average family in which
the family head was aged 55 to 64 in 1985 would have experienced a different change in
expenditures, because over this period they would have moved from the youngest of these three
age groups to the oldest age group. A person who was 75 years old in 2005 and who was
considering how his or her expenditures had changed since the mid-1980s would not necessarily
compare them with the expenditures of an individual who had been 75 years old in 1985. A more
likely frame of reference for this person would be his or her own family’s past expenditures. The
change in expenditures that a family experiences is affected not only by changes in the prices and
availability of particular goods and services that occur over a given period of time, but also by the
changes in tastes, preferences, and family income that typically occur as the family ages.
The data displayed in Table 2 illustrate how average expenditures changed for families from
1985 to 2005 as they moved from one age group to another. The top panel of Table 2 shows that
average expenditures among families headed by persons between the ages of 55 and 64 in 1985
were $41,127, measured in 2005 dollars. Ten years later in 1995, an individual who had been 55
to 64 years old in 1985 would have been 65 to 74 years old. Average expenditures among families ¹⁴
headed by persons between the ages of 65 and 74 in 1995 were $31,347, almost $10,000 lower.
Part of this decline would have been attributable to a decline in family size and part due to lower ¹⁵
income among retired workers. Similarly, a family head who was 65 to 74 years old in 1995
would have been 75 or older in 2005. Measured in 2005 dollars, average total expenditures
among families headed by persons aged 75 and older in 2005 were $26,417, or almost $5,000 less
than the average total expenditures of families headed by persons aged 65 to 74 ten years earlier
in 1995.
Just as total spending changes over time as families age, so does the composition of spending. As
shown in the data presented in Figure 7 and Figure 8, among families headed by persons
between the ages of 55 and 64, the percentage of average expenditures attributable to housing
rose from 29% in 1985 to 36% in 2005. The data presented in Figure 11 and Figure 12 show that
among families headed by persons aged 75 and older, the percentage of average expenditures
attributable to housing rose from 34% in 1985 to 36% in 2005. Looking at the second row of
Table 2, we see that for an average family aging from the 55 to 64 age group in 1985 to the 75
and older age group in 2005, average housing expenditures would have risen from 29.6% of total
spending in 1985 to 32.4% of spending in 1995 and to 36.4% of total spending in 2005.
It may seem surprising that housing accounted for a greater share of expenditures in 2005 among
families headed by persons 75 and older than it did in 1985 among families headed by persons
aged 55 to 64. Because a majority of families are homeowners, we might expect the share of
expenditures accounted for by housing to decline as families grow older and pay off their home
mortgages. The percentage of families who own their homes outright with no mortgage does
indeed increase with age. Just 34% of families headed by persons aged 55 to 64 reported owning

¹⁴^T^h^e^da^taⁱⁿ^Ta^b^l^{e 2}^d^oⁿ^o^{t re}^pre^s^eⁿ^{t the}^s^p^e^ndi^ng^of^the^s^a^m^e^f^a^milie^sⁱⁿ^dif^f^e^r^e^{nt y}^e^a^r^s^,^T^h^ey^a^r^e^from^ra^ndom
^sa^m^p^{les o}^f^f^a^m^{ilies in}^each^y^ear,^classi^fⁱ^ed^b^y^a^g^{e o}^f^th^{e f}^a^mil^y^h^e^ad^.
¹⁵^In²⁰^05,^f^o^{r e}^x^a^m^ple^,^the^a^v^e^r^a^g^e^siz^e^of^f^a^m^ilie^{s he}^a^d^e^d^by^pe^{rsons a}^g^e^d⁵⁵^to⁶⁴^w^a^{s 2.1 pe}^rsoⁿ^s.^T^h^e^a^v^e^r^a^g^e^siz^e
^of^fa^m^ilie^{s he}^a^d^e^d^by^pe^{rsons a}^g^e^d⁶⁵^t^o⁷⁴^w^a^{s 1.9}^pe^rsons^,^aⁿ^d^th^e^a^v^e^r^a^g^e^siz^e^of^f^a^m^ilie^{s he}^a^d^e^d^by^pe^{rsons a}^g^e^d
^{75 a}ⁿ^d^olde^r^w^a^s^1.6^pe^r^s^ons^.

their homes outright in 2005, compared to 55% of families headed by persons aged 65 to 74, and
68% of families headed by persons aged 75 and older. Nevertheless, even after a mortgage is paid
off, expenses associated with home ownership include property taxes, utilities, maintenance,
repairs, and insurance. Moreover, family income usually drops when the family head and spouse
retire. Consequently, even though the dollar amount spent for housing in 2005 by families headed
by persons aged 75 and older was lower than the inflation-adjusted amount spent in 1985 by
families headed by persons aged 55 to 64, housing accounted for 36.4% of spending by families
headed by persons aged 75 or older in 2005, compared to 29.6% of spending among families ¹⁶
headed by persons aged 55 to 64 in 1985.
Health care spending is affected both by the greater incidence of illness that occurs as people age
and the more rapid increase in the price of medical care compared to other goods and service.
Because people are more prone to illness as they age, even if the price of medical care rose no
faster than the overall rate of inflation, the percentage of expenditures accounted for by health
care would be expected to rise as people age. However, the price of health care has risen faster
then the overall rate of inflation over a long period, and this has contributed to the rising share of
total family expenditures accounted for by health care since 1985.
Table 2 shows that for families headed by persons 55 to 64 years old in 1985, health care
accounted for 6.0% of total spending, on average. By 1995, health care accounted for 10.7% of
average expenditures among families headed by persons aged 65 to 74. By 2005, health care
accounted for 15.9% of average expenditures among families headed by persons aged 75 and
older. Thus, the average family head aging from 55 to 75 over the period from 1985 to 2005
would have experienced a near tripling of the share of total family expenditures accounted for by
out-of-pocket spending for health insurance, medical goods and services, and prescription drugs.
Each of the other expenditure categories—transportation, food, clothing, entertainment, and other
spending—was lower in both constant dollars and as a share of total spending in 2005 among
families headed by persons aged 75 and older than in 1985 among families headed by persons
aged 55 to 64. In part, this reflects changing preferences among families as they age and also
declining average family size. However, other spending may have been “squeezed out” by
increases in the cost of housing and health care.
Table 2. Average Expenditures, by Age of Family Head at 10-Year Intervals
^{(in 2005 dollars)}
^{Age Age}
^{55 to 64}^{65 to 74}^{75 and up}^{55 to 64}^{65 to 74}^{75 and up}
^{Total expenditures}^{Percentage of total}
¹⁹⁸^{5 $41,1}²⁷¹⁰⁰^%
¹⁹⁹⁵^$31,3⁴⁷¹⁰⁰^%
²⁰⁰⁵^$26,4¹⁷¹⁰⁰^%

¹⁶^A^m^ong^fam^ilie^s^he^a^d^e^d^by^pe^rs^ons^a^g^e^d⁶⁵^to⁷⁴ⁱⁿ²⁰⁰⁵^tha^t^ow^ne^{d a}^hom^e^w^{ith a}^m^o^rtga^g^e^{, hous}ⁱⁿ^g^a^c^c^ounte^d^f^o^r
^40%^of^e^x^pe^ndit^u^re^s^.^A^m^ong^f^a^milie^s^{in t}^h^is^a^g^e^g^r^oup^tha^t^ow^ne^d^a^hom^e^w^ithout^a^m^o^rtg^a^ge^{, hous}ⁱⁿ^g^a^c^c^ounte^d^f^o^r
^27%^of^e^x^pe^ndit^u^re^{s. Am}^ong^f^a^m^ilie^{s he}^a^d^e^d^by^pe^{rsons a}^g^e^d^{75 a}^nd^olde^rⁱⁿ²⁰⁰⁵^tha^t^ow^ne^{d a}^h^o^m^e^w^{ith a}
^m^o^r^t^g^a^g^e^{, hous}^ing^acco^uⁿ^ted^f^o^r⁴⁶^%^o^f^ex^p^eⁿ^dⁱ^t^u^{res. Am}^oⁿ^g^f^a^m^{ilies in}^t^h^{is ag}^{e g}^r^{oup tha}^t^ow^ne^{d a}^hom^e^w^ithout^a
^m^o^r^t^g^a^g^e^{, hous}^ing^c^o^s^t^s^acco^un^t^e^d^f^o^{r 31}^{% o}^f^t^o^t^a^l^exp^eⁿ^dⁱ^t^u^res.

^{Age Age}
^{55 to 64}^{65 to 74}^{75 and up}^{55 to 64}^{65 to 74}^{75 and up}
^{Housing ex}^penditu^res^{Percentage of total}
¹⁹⁸^{5 $12,1}⁶⁵^29.6%
¹⁹⁹⁵^$10,1⁴⁷^32.4%
²⁰⁰⁵^$9,61²^36.4%
^{Health care e}^xpe^nditures^{Percentage of total}
¹⁹⁸^{5 $2,45}⁹^6.0%
¹⁹⁹⁵^$3,35⁵^10.7%
²⁰⁰⁵^$4,21⁰^15.9%
^{Transportation ex}^pe^nditures^{Percentage of total}
¹⁹⁸^{5 $8,85}⁰^21.5%
¹⁹⁹⁵^$5,74²^18.3%
²⁰⁰⁵^$3,75⁴^14.2%
^{Food expenditures}^{Percentage of total}
¹⁹⁸⁵^$6,63⁰^16.1%
¹⁹⁹⁵^$4,99¹^15.9%
²⁰⁰⁵^$3,38⁸^12.8%
^{Clothing expenditu}^res^{Percentage of total}
¹⁹⁸^{5 $2,82}¹^6.9%
¹⁹⁹⁵^$1,42⁹^4.6%
²⁰⁰⁵^$58⁴^2.2%
^Entertain^{ment e}^x^p^enditures^{Percentage of total}
¹⁹⁸^{5 $2,07}¹^5.0%
¹⁹⁹⁵^$1,47⁸^4.7%
²⁰⁰⁵^$1,03²^3.9%
^{All other expe}^nditures^a^{Percentage of total}
¹⁹⁸^{5 $6,13}¹^14.9%
¹⁹⁹⁵^$4,20⁵^13.4%
²⁰⁰⁵^$3,83⁷^14.5%
^Source:^{CRS analysis of the Con}^sumer^Ex^penditu^{re Surve}^{y, various years.}
^Note:^Expenditure^{s were adjust}^{ed to 200}^{5 dollars based on th}^e^CPI-U.
^a.^{Other e}^xpe^{nditures i}^{nclude pe}^rs^{onal care products}^{and se}^{rvices, reading materials, education, alco}^{hol and}
^{tobacco products, cas}^{h contrib}^uti^{ons, life and other pe}^{rsonal insur}^{ance, and other}^{miscellaneous}
^expe^nditures.

The data displayed in Figure 1 through Figure 12 and in Table 2 illustrate the trends in
consumption expenditures between 1985 and 2005 among American families, classified
according to the age of the family head. Expenditures also vary with other characteristics, such as
marital status, employment, and income. This section of the report presents data from the 2005
Consumer Expenditure Survey that illustrate how family expenditures vary with each of these
characteristics.
Figures 13 through 18 show expenditures in 2005 by age and marital status at the 75^th, 50^th, and ^th

25 percentiles. For example, Figure 13 shows that among married couples in which the family ^th

head was 55 to 64 years old, quarterly expenditures for housing at the 75 percentile were ¹⁷
approximately $6,600. This means that 25% of families had quarterly housing expenditures of
more than this amount, and 75% had expenditures of this amount or less. Median quarterly
housing expenditures by married couples aged 55 to 64 were about $4,100: half spent more than ^th
this amount and half spent less. Quarterly expenditures for housing at the 25 percentile among
married-couple families headed by persons aged 55 to 64 were approximately $2,500 in 2005.
Seventy-five percent of families spent more than this amount and 25% spent this amount or less.
Thus, in 2005, 50% of all married-couple families headed by persons aged 55 to 64 spent between ^th^th
$2,500 (the 25 percentile) and $6,600 (the 75 percentile) on housing in any given calendar
quarter.
About the Data
^{The exp}^{enditure data a}^{nalyzed in this section of the}^report^{were t}^{aken from t}^he²⁰^{05 Cons}^umer^E^xpe^{nditure Sur}^vey
^{interview sur}^{vey. The Bur}^{eau of}^{Labor Statistics estimates that t}^h^e^{interview su}^{rvey ca}^ptu^{res u}^p^to^95%^{of all}
^{household spe}^{nding. With respec}^{t to age, we classified married co}^{uples according to the}^{age of bot}^{h pe}^{rsons. A}
^{couple was classified as aged 55}^t^o^{64 if either}^per^{son was}^{55 to}⁶⁴^{years old and n}^{either was}⁶⁵^{or older. A couple}
^{was classified as aged 65 to 7}⁴^if^{either pe}^{rson was}^{65 to}⁷⁴^years^{old and neither was aged}^{75 or}^{older. A couple was}
^{classified as aged 75 or older if either}^{person wa}^{s least 7}⁵^years^{old. We lim}^{ited the sample that}^we^{studied to}
^{families in which either or}^both^p^{ersons in a ma}^{rried couple we}^re^{working, retired, keeping house,}^{or going to school.}
^{We excluded couples in}^{which ei}^ther^person^{reported t}^{hat the}^{y did not work beca}^{use t}^{hey were}^{disabled or could}
^{not find work. Disability and une}^{mployment ca}^{n have}^effect^{s on fa}^{mily expenditure}^{s that a}^{re not fo}^{und in othe}^r
^{families. The same selection criteria were ap}^{plied to unmarried m}^{en and wome}^{n. In calc}^{ulating me}^{dian expe}^nditures
^{for each s}^{pecific category of s}^pen^{ding, we included only those families that reported e}^xpe^{nditures i}ⁿ^{that ca}^tegory.
^{Almost all fami}^{lies had expenditu}^{res for ho}^{using and}^{food. The lik}^elihood^{of a family having ex}^pend^{itures for}
^{transportation, clothing, and heal}^{th care va}^{ried by age a}^{nd income. The per}^centages^{of families with expe}^{nditures in}
^{each category a}^{re re}^{ported in th}^e^Appendix^{in Tables A}⁴^th^roug^{h A9.}
Figure 13 shows quarterly expenditures in 2005 among married-couple families in three age
groups: 55 to 64, 65 to 74, and 75 and older. In 2005:

¹⁷^Fig^u^r^e^s¹³^thr^oug^h³⁶^s^h^ow^qua^r^t^e^r^ly^r^a^the^r^thaⁿ^a^nnua^l^e^x^pe^ndit^u^r^e^s^.^T^h^is^is^how^the^e^x^pe^ndi^tur^e^s^a^r^e^r^e^por^te^d^on
^the^CES^da^ta^f^ile^s.

• Median quarterly housing expenditures among married couples aged 55 to 64
were $4,100. Half of all couples in this age group had quarterly housing
expenditures between $2,500 and $6,600.
• Median quarterly housing expenditures among married couples aged 65 to 74
were $3,100. Half of all couples in this age group had quarterly housing
expenditures between $1,700 and $4,800.
• Median quarterly housing expenditures among married couples aged 75 and older
were $2,100. Half of all couples in this age group had quarterly housing
expenditures between $1,200 and $3,400.
The patterns of expenditure were similar for transportation, food, clothing, entertainment, and the
residual category of “other” expenditures: median spending was lower among 65 to 74 year-old
couples than among those aged 55 to 64, and was lowest among couples aged 75 and older. The
only category of expenditure in which spending rose along with the age of the couple was health
care. Median quarterly spending for health care in 2005 was $722 for couples aged 55 to 64,
$1,050 for couples aged 65 to 74, and $1,232 for couples and aged 75 and older.
Figure 14 shows expenditures in the same categories as Figure 13, expressed as a percentage of
total quarterly spending. As a percentage of total spending, there was little difference in median
housing expenditures among married couples across the three age groups. Median expenditures
for housing were 32% of total spending for couples aged 55 to 64, 31% for couples aged 65 to 74,
and 30% for couples aged 75 and older. Although older couples had lower housing expenditures
in dollar terms than younger couples, because they had lower incomes housing still accounted for
nearly a third of median total expenditures among couples aged 75 and older. The range of ^th^th
spending between the 25 and 75 percentiles also was similar in each age group, accounting for
between 20% and 40% of spending for about half of all couples.
Health care expenditures increased both in dollar terms and as a percentage of expenditure as the
age of the couple increased. Median expenditures for health care were 5% of total spending for
couples aged 55 to 64, 10% for couples aged 65 to 74, and 17% for couples aged 75 and older.
Among couples aged 55 to 64, one-fourth spent 10% or more of total expenditures on health care.
Among couples aged 65 to 74, one-fourth spent 17% or more of total expenditures on health care.
Among couples aged 75 and older, one-fourth spent 27% or more of total expenditures on health
care.
Median expenditures for food increased with age when expressed as a percentage of total
spending, consuming 12% of total spending for couples aged 55 to 64, 14% for couples aged 65
to 74, and 16% for couples aged 75 and older. Median transportation expenditures were lower
among older married couples than among younger couples, accounting for 15% of total spending
for couples aged 55 to 64, 13% for couples aged 65 to 74, and 11% for couples aged 75 and older.
Expenditures on clothing and entertainment were small as a percentage of total spending in each
age group. At the median, clothing accounted for about 2% of spending by married couples, while
entertainment accounted for 3% or less of spending by half of married couples in all three age
categories.
Figure 15 and Figure 17 show expenditures for unmarried men and unmarried women in 2005
expressed in dollars, while Figure 16 and Figure 18 show spending in each category as a

percentage of total expenditures. Median quarterly total expenditures were lower for unmarried
men and unmarried women than for married couples and total expenditures were lower for
unmarried women than for unmarried men. As was the case with married couples, housing
expenditures declined with age among both unmarried men and unmarried women. (See Figure
15 and Figure 17). As a percentage of total spending, unmarried women had higher housing
expenditures than unmarried men or married couples. At the median, housing accounted for 36%
of total expenditures among unmarried men aged 55 to 64, 33% of spending by unmarried men
aged 65 to 74, and 36% of total expenditures among unmarried men aged 75 and older. (See
Figure 16.) Among unmarried women, median housing expenditures were 38% to 42% of
spending, depending on age. (See Figure 18.)
Unmarried men and women had roughly equal health care spending, both in dollar terms and as a
percentage of spending. Among both unmarried men and women, health care spending increased
with age, whether expressed in dollars or as a percentage of expenditures. Among unmarried men,
median health care expenditures were 5% of total spending for those aged 55 to 64, 10% for those
aged 65 to 74, and 12% for those aged 75 or older. Among unmarried women, median health care
expenditures were 6% of total spending for those aged 55 to 64, 11% for those aged 65 to 74, and
13% for those aged 75 or older. Among unmarried men and unmarried women, median health
care spending was higher for persons aged 65 to 74 than for those aged 55 to 64, but it was not
significantly higher for those aged 75 or older than for those aged 65 to 74. (See Figure 15 and
Figure 17.) It may be that unmarried men and women—who have lower incomes than married
couples—choose to spend less on health care. It also may be that without a spouse present to
encourage them to seek medical care, they are less likely to do so.
Median expenditures for food were very similar for men and women, accounting for 13% to 14%
of spending among those aged 55 to 64 and 15% to 16% of spending by those aged 65 and older.
Among both unmarried men and unmarried women, transportation spending declined as age
increased. Median transportation expenditures were 13% of spending among men aged 55 to 64
and those aged 65 to 74, and 11% among men aged 75 or older. Among unmarried women,
median transportation expenditures were 13% of total spending among those aged 55 to 64, 10%
among those aged 65 to 74, and 8% among those aged 75 or older. Spending on clothing and
entertainment was a small percentage of total expenditures for unmarried men and women,
accounting for about 2% of spending by unmarried men and unmarried women. Entertainment
accounted for about 4% of spending at the median among both unmarried men and unmarried
women.

Figure 13. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples
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^://wiki⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000
^h^ttp⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000
$0ttt
g o n o d r e n g e n e r n g o n o d r e n g e n e r n g o n o d r e n g e n e r
s i n a t i F o h c a t h i m th u s i a t i F o h c a t h i m t h u s i a t i F o h c a t h i m th
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H p e C r t H p e C r t H p e C r t
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TTT

55-6465-7475+

Expenditure Category and Age
^00000000^0000000075th percentile^000000000^00000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 14. Share of Expenditures in 2005, by Percentile Rank: Married Couples
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^000000045.0%
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰40.0%
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⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰35.0%
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⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^000000030.0%
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⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000ⁿ^d
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^000000025.0%^p^e
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^E^x
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰20.0%
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⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰15.0%^are
ⁱ^{ki/CRS-RL34185}⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰^Sh
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^s^.or⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
^le^ak⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^00000005.0%
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000
^://wiki⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000
^h^ttp0.0%^g^e^g^r^g^e^g^r^g^e^g^r
ⁿ^ent^eⁱⁿⁿ^ent^eⁱⁿⁿ^ent^e
^sⁱⁿ^tatio^Food^car^m^s^tatio^Food^car^m^s^tatio^Food^car^m
^othin^Oth^r^othin^Oth^r^othin^Oth
^Hou^spo^r^Cl^rtain^Hou^spo^Cl^rtain^Hou^spo^Cl^rtain
^Health^te^Health^te^Health^te
^Tran^En^Tran^En^Tran^En

55-6465-7475+

Expenditure Category and Age
^000000000^000000000^00000000^00000000^00000000^00000000
75th percentile50th percentile25th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 15. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$4,500
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$4,000
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000$3,500
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000r e s
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000$3,000i t u
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰n d
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$2,500p e
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰x
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰y E
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$2,000e r l
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000r t
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000$1,500ua
ⁱ^{ki/CRS-RL34185}⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000Q
^g/w⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$1,000
^s^.or⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
^le^ak⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000$500
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
^://wiki⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000
^h^ttp$0 g n d e g t r g n d e g t r g n d e g t r
n t i o o o a r i n e n h e i n t i o o o a r i n e n h e i n t i o o o a r i n e n h e
s i t a F h c t h m t u s ta F h c t h m t u s t a F h c t h m t
o u o r a lt l o a i n O o o r a l t l o a i n O o or a l t l o a i n O
H p e C r t H p e C r t H p e C r t
sHtensHtensHte
annranran
TrETETE

55-6465-7475+

Expenditure Category and Age
^00000000^00000000^00000000^00000000^00000000^00000000
^0000000075th percentile^0000000050th percentile^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 16. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men

55.0%

⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰50. 0%
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰45. 0%
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^000000040. 0%^e^s
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^000000035. 0%^ur
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^it
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^000000030. 0%^nd
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^x^pe
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰25.0%^f^E
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^o
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰20. 0%^r^e
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^a
ⁱ^{ki/CRS-RL34185}⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰15. 0%^Sh
^g/w⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
^s^.or⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰10. 0%
^le^ak⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000
⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰5. 0%
^://wiki⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
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^Trans^En^Trans^En^Trans^En

55-6465-7475+

Expenditure Category and Age
^00000000^00000000^00000000^00000000^00000000^00000000
75th percentile50th percentile25th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 17. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women
$4,500
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^0000000^0000000$4,000
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^0000000^0000000$3,500
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^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$2,000er l
^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰r t
^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$1,500u a
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^g/w^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$1,000
^s^.or^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰
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^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰$500
^://wiki^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰
^h^ttp^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^0000000⁰⁰⁰⁰⁰⁰$0
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55-6465-7475+

Figure 18. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women
^0000000^000000055. 0%
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^0000000^0000000^0000000^0000000^0000000^0000000^0000000^000000050. 0%
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^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰45. 0%
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^0000000^0000000^0000000^0000000^0000000^0000000⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰⁰^0000000^nd
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^ingⁱ^ng^eⁿ^ingⁱ^ng^e^ingⁱ^ng^e
^Food^m^Other^Food^m^Other^Food^m^Other
^Hous^sportation^Cloth^rtain^Hous^sportation^Cloth^rtain^Hous^sportation^Cloth^rtain
^Healthcare^te^Healthcare^te^Healthcare^te
ⁿ^Eⁿ^Eⁿ
^Tran^E^Tran^Tran

55-6465-7475+

Figures 19 through 24 illustrate how expenditures varied in 2005 by marital status and ¹⁸
employment among people 55 and older. Couples were classified as “working” if either member
reported having worked in the year prior to the date of the survey. Couples were classified as
“retired” if both members reported that they did not work in the last 12 months, and the reasons
given for each were that they were retired, keeping house, or going to school. Couples in which
either member reported that they did not work because they were disabled or could not find work
were excluded from the analysis. The same selection criteria were used for unmarried men and ¹⁹
unmarried women.
Among married couples, median housing expenditures were highest among those 55 to 64 years
old in which one or both members worked and were lowest among those 65 and older in which
neither person worked. (See Figure 19.) Health care expenditures were higher among couples in
which at least one person was aged 65 or older than among couples aged 55 to 64. Among
couples 65 and older, median quarterly health care expenditures were roughly equal, regardless of
whether either of them was employed.
Median housing expenditures were 32% of total spending for couples aged 55 to 64 in which one
or both worked and 34% among couples in this age group in which neither worked. Median
housing expenditures were 31% of total spending for couples aged 65 and older, regardless of
employment status. (See Figure 20.) Median health care expenditures varied significantly as a
percentage of spending among married couples, based on their age and employment status.
Median health care expenditures were just 5% of total spending among married couples aged 55
to 64 in which one or both worked, and 15% percent of total expenditures in couples aged 65 or
older in which neither worked. Twenty-five percent of couples aged 55 to 64 in which one or both
members worked spent 2% or less of total expenditures on health care, while 25% of couples
aged 65 or older in which neither person worked, spent 25% or more of total expenditures on
health care.
Median spending on food was 12% to 16% of total expenditures, depending on age and
employment status. Twenty-five percent of couples aged 55 to 64 spent 8% or less of
expenditures on food, regardless of employment status, while 25% of couples aged 65 and older
in which neither worked spent 23% or more of total expenditures on food. Transportation
accounted for 12% to 15% of the median spending of married couples, depending on age and
employment.
At the median, unmarried men and women in the same age and employment categories had very
similar quarterly housing expenditures, expressed in dollar terms. (See Figure 21 and Figure 23.)
As a percentage of total spending, median housing expenditures were higher for unmarried men
aged 55 to 64 who did not work (44%) than for unmarried working men in the same age group

¹⁸^Wⁱ^t^h^t^h^{e add}ⁱ^tⁱ^oⁿ^o^f^t^h^{e em}^p^l^o^y^men^t^vari^ab^l^eⁱⁿ^t^h^{ese f}ⁱ^gu^res,^t^h^{e n}^u^m^b^e^{r o}^f^{age cat}^e^g^o^rⁱ^e^{s h}^a^{s b}^een^red^u^{ced t}^o^t^w^o^:
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^w^o^rkiⁿ^{g an}^d^retⁱ^r^ed^po^pu^l^a^tⁱ^oⁿ^sⁱⁿ^{a si}ⁿ^g^l^e^ch^art^f^o^{r each}^cat^ego^r^y^o^f^m^a^ri^t^a^l^st^at^u^s^.
¹⁹^I^ndivⁱ^dua^ls^a^l^s^o^w^e^r^e^e^x^c^l^ude^{d if}^the^y^r^e^por^te^{d tha}^t^the^y^did^{not w}^o^r^k^but^g^a^v^e^{no r}^e^a^s^{on w}^h^y^.

(34%). (See Figure 22.) Retired unmarried men 65 and older spent 36% of total expenditures on
housing at the median, compared to 30% for unmarried men aged 65 and older who worked.
Median expenditures on housing by unmarried women aged 55 to 64 who worked were 38% of
total spending, compared to 40% for women aged 55 to 64 who did not work. (See Figure 24.)
Among unmarried women 65 and older, median housing expenditures were 41% of spending
among those who were not working and 35% among those who worked.
Among both unmarried men and unmarried women, health care expenditures were a greater
percentage of total spending for those who were not working than for those who were employed.
Among working unmarried men aged 55 to 64, median health care spending was 4% of total
spending, while among nonworking unmarried men aged 55 to 64, median health care spending
was 8% of total spending. Among working unmarried women aged 55 to 64, median health care
spending was 5% of total spending, while among nonworking unmarried women aged 55 to 64,
median health care spending was 7% of total spending. Health care accounted for 2% or less of
total spending for one-fourth of working unmarried men aged 55 to 64, but it accounted for 14%
or more of spending for one-fourth of unmarried men aged 55 to 64 who did not work. Among
working unmarried women aged 55 to 64, one-fourth spent 3% or less of total spending on health
care, while one-fourth of those who did not work spent 14% or more of expenditures on health
care. Among unmarried men aged 65 or older who worked, median health care spending was 9%
of total spending, compared to 12% among unmarried men 65 or older who did not work. Among
unmarried women aged 65 or older who worked, median health care spending was 10% of total
spending, compared to 13% among unmarried women 65 or older who did not work.
Expressed in dollars, unmarried men had significantly higher transportation expenditures and
slightly higher food expenditures than unmarried women, both among those who were working
and those who were not working. As a percentage of total expenditures, median spending for
transportation differed relatively little between employment categories among either unmarried
men or unmarried women. Median transportation expenditures ranged from 11% to 15% of total
spending by unmarried men, depending on age and employment status, and from 9% to 13% of
spending by unmarried women. Spending on food was similar among unmarried men and
unmarried women. At the median, among those aged 55 to 64 unmarried men and unmarried
women spent 12% to 15% of total expenditures on food. Among those aged 65 and older, median
expenditures on food accounted for 13% to 17% of total spending.

Figure 19. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples, by Employment
^000000000^000000000$7, 000
^000000000^000000000
^000000000^000000000
^000000000^000000000$6, 000
^000000000^000000000^000000000^000000000
^000000000^000000000^000000000^000000000^00000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000$5, 000
^000000000^000000000^000000000^000000000^00000000^00000000^itures
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000$4, 000^pend
^000000000^000000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^x
^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^l^y^E
^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000$3, 000
^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^ter
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$0
^gⁿ^gⁿ^gⁿ^g
ⁱⁿ^sⁱ^sⁱ^sⁱ
^u^s^Food^u^Food^u^Food^u^Food
^Ho^Ho^Ho^Ho
^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare
^Tran^Tran^Tran^Tran
Working, 55-64Not working, 55-64Working, 65+Not working, 65+
Expenditure Category, Employment, and Age
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 20. Share of Expenditures in 2005, by Percentile Rank: Married Couples, by Employment

50.0%

^000000000^000000000
^000000000^00000000045. 0%
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^0000000040. 0%
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^0000000035. 0%^e^s
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^ur
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^0000000030. 0%^it
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^nd
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^0000000025. 0%^x^pe
^000000000^000000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^f^E
^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000020.0%^o
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^s^.or^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^000000000^00000000010. 0%
^le^ak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^://wiki^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000
^h^ttp0. 0%^g^g^g^g
ⁱⁿ^sⁱⁿ^sⁱⁿ^sⁱⁿ
^u^s^Food^u^Food^u^Food^u^Food
^Ho^Ho^Ho^Ho
^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare
^Tran^Tran^Tran^Tran
Working, 55-64Not working, 55-64Working, 65+Not working, 65+
Expenditure Category, Employment, and Age
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 21. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men, by Employment
$5,000
^000000000^000000000$4, 500
^000000000^000000000^000000000^000000000
^000000000^000000000^000000000^000000000$4, 000
^000000000^000000000^000000000^000000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000$3, 500
^000000000^000000000^000000000^000000000^00000000^00000000^itures
^000000000^000000000^000000000^000000000^00000000^00000000$3, 000
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^x^pend
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000$2,500^E
^000000000^000000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^l^y
^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000$2, 000^ter
^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^ar
ⁱ^{ki/CRS-RL34185}^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^00000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000$1, 500^Qu
^g/w^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000
^s^.or^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000$1, 000
^le^ak^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000
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^://wiki^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000
^h^ttp$0^g^g^g^g
ⁱⁿ^sⁱⁿ^sⁱⁿ^sⁱⁿ
^u^s^Food^u^Food^u^Food^u^Food
^Ho^Ho^Ho^Ho
^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare
^Tran^Tran^Tran^Tran
Working, 55-64Not working, 55-64Working, 65+Not working, 65+
Expenditure Category, Employment, and Age
^00000000^0000000075th percentile^00000000^0000000050th percentile^000000000^00000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 22. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men, by Employment
^000000000^00000000060. 0%
^000000000^000000000
^000000000^000000000^00000000
^000000000^000000000^00000000^0000000050. 0%
^000000000^000000000^000000000^000000000^00000000^00000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^s
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^0000000040. 0%^e
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^it^ur
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^nd
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^pe
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^0000000030. 0%^E^x
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^f
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^000000000^r^e^o
^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000020. 0%^a
ⁱ^{ki/CRS-RL34185}^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^00000000^00000000^00000000^000000000^000000000^000000000^000000000^000000000^000000000^Sh
^g/w^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^000000000
^s^.or^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^000000000^000000000^000000000^00000000^000000000^000000000^00000000^0000000010. 0%
^le^ak^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^000000000^000000000
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^h^ttp0. 0%^g^g^g^g
ⁱⁿ^sⁱⁿ^sⁱⁿ^sⁱⁿ
^u^s^Food^u^Food^u^Food^u^Food
^Ho^Ho^Ho^Ho
^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare
^Tran^Tran^Tran^Tran
Working, 55-64Not working, 55-64Working, 65+Not working, 65+
Expenditure Category, Employment, and Age
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 23. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women, by Employment
$5,000
$4,500
^000000000^000000000
^000000000^000000000^000000000$4, 000
^000000000^000000000^000000000^000000000^s
^000000000^000000000^000000000^000000000^00000000^00000000$3, 500
^000000000^000000000^000000000^000000000^00000000^00000000^iture
^000000000^000000000^000000000^000000000^00000000^00000000$3, 000^nd
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^e
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000$2, 500
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000
^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000$2,000^{rly Exp}
^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^arte
^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000$1, 500^u
ⁱ^{ki/CRS-RL34185}^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^Q
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^s^.or^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000$1, 000
^le^ak^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000
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
^://wiki^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000
^h^ttp$0^g^g^g^g
ⁱⁿ^sⁱⁿ^sⁱⁿ^sⁱⁿ
^u^s^Food^u^Food^u^Food^u^Food
^Ho^Ho^Ho^Ho
^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare^sportation^Healthcare
^Tran^Tran^Tran^Tran
Working, 55-64Not working, 55-64Working, 65+Not working, 65+
Expenditure Category, Employment, and Age
^000000000^00000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 24. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women, by Employment

60.0%

^000000000^00000000055 .0 %
^000000000^000000000
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000050 .0 %
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000045 .0 %
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^0000000040 .0 %^res
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000ⁱ^t^u
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^0000000035 .0 %^nd
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^p^e
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000030 .0 %^x
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000025 .0 %
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000020.0%^a^{re of E}
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^S^h
ⁱ^{ki/CRS-RL34185}^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000015 .0 %
^g/w^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000
^s^.or^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^000000000^000000000^00000000010 .0 %
^le^ak^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^000000000^000000000^000000000^000000000
^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^00000000^000000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^000000000^00000000^00000000^000000000^000000000^000000000^0000000005.0%
^://wiki^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^000000000^00000000^000000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^00000000^000000000^00000000^000000000^0000000000.0%
^h^ttp^re^re^re^re
^ing^ti^on^od^ing^ti^on^od^ing^ti^on^od^ing^ti^on^od
^us^Fo^l^thca^us^Fo^l^thca^us^Fo^l^thca^us^Fo^l^thca
^Ho^orta^Ho^orta^Ho^orta^Ho^orta
^sp^Hea^sp^Hea^sp^Hea^sp^Hea
^an^r^an^r^an^r^an
^T^r^T^T^T
Working, 55-64Not working, 55-64Working, 65+Not working, 65+
Expenditure Category, Employment, and Age
^000000000^000000000^00000000^00000000^00000000^00000000
^00000000075th percentile^0000000050th percentile^0000000025th percentile
^*
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 25 through Figure 36 illustrate how expenditures varied in 2005 by marital status and
income among people aged 55 and older. Family income in the 12 months preceding the date of ²⁰
the survey is shown in three categories: under $30,000; $30,000 to $70,000; and above $70,000.
Among married couples, spending on housing was higher in all three income categories at the ^th^th^th
25, 50, and 75 percentiles for couples aged 55 to 64 than for couples aged 65 and older. In all
three income categories, spending on health care was higher among couples aged 65 and older
than among couples aged 55 to 64. (See Figure 25 and Figure 27.)
Among married couples aged 55 to 64, median expenditures for housing were 34% of total
spending for those with annual income under $30,000, 32% for those with income between
$30,000 and $70,000, and 31% for those with income over $70,000. (Figure 26.) One fourth of
couples aged 55 to 64 with incomes above $70,000 spent 23% or less of total expenditures on
housing, while one-fourth of those with incomes under $30,000 spent 47% or more of total
expenditures on housing. Among married couples 65 and older, median housing expenditures
were 31% of total spending in all three income categories. One-fourth of married couples 65 and
older with incomes above $70,000 spent 21% or less of total expenditures on housing, while 25%
of those with incomes under $30,000 spent 42% or more of their total expenditures on housing.
(See Figure 28.)
As a percentage of spending, health care accounted for a greater share of total expenditures ^th^th^th
among couples 65 and older than among those aged 55 to 64 at the 25, 50, and 75 expenditure
percentiles at all three income levels. Median health care spending ranged from a low of 4% of
total expenditures among couples aged 55 to 64 with income over $70,000 to a high of 17% of
spending among couples 65 and older with income under $30,000. Twenty-five percent of
couples aged 65 and older with income under $30,000 spent 27% or more of total expenditures on
health care. At the other extreme, one-fourth of couples aged 55 to 64 with income of $70,000 or
more spent 2% or less of their total expenditures on health care.
Median transportation spending ranged from 12% to 15% of total expenditures, and varied little
by income. Median spending on food was 16% to 18% of total expenditures among couples with
incomes under $30,000, compared to 11% among couples with incomes over $70,000. Twenty-
five percent of couples in both age groups with incomes over $70,000 spent 8% or less of
expenditures on food, while one-fourth of couples with incomes under $30,000 spent 23% or
more of their total expenditures on food.
Among both unmarried men and unmarried women, expenditures on housing rose with income,
and within income groups spending on housing was higher among those aged 55 to 64 than
among those aged 65 and older. (See Figures 29, 31, 33, and 35.) Health care spending also rose
with income, and spending on health care was higher among unmarried men and women aged 65
and older than among those aged 55 to 64.

²⁰^Iⁿ^t^h^e^C^o^ns^um^e^r^Ex^pe^nditur^e^Su^r^v^ey^{, a}^nnua^{l inc}^o^m^e^{in t}^h^e^y^e^a^r^pr^ecedⁱⁿ^{g t}^h^{e d}^a^t^e^o^f^t^h^{e s}^u^rve^yⁱ^s^rep^o^r^t^e^dⁱⁿ^b^r^o^a^d
^c^a^t^e^g^or^ie^s^.^T^h^e^low^e^s^t^c^a^t^eg^or^y^is^“^l^e^s^s^thaⁿ^$⁵^,⁰⁰⁰^”^a^nd^the^hig^h^e^s^{t c}^a^t^e^g^or^y^is^“^$70,⁰⁰^{0 or}^m^o^r^e^.”^B^e^gⁱ^nning^w^ith
^the²⁰⁰⁴^surv^e^y^{, inc}^o^m^e^{is i}^m^pute^d^f^o^{r f}^a^m^ilie^s^tha^t^did^{not re}^port^theⁱ^{r inc}^o^m^e^{on the}^surv^e^y^.

Although median housing expenditures rose with income when expressed in dollars, as a
percentage of total spending, housing expenditures declined as income rose among both
unmarried men and unmarried women. Housing also was a smaller percentage of expenditures
among unmarried men and women aged 65 and older than among those aged 55 to 64, except for
women with incomes under $30,000. (See Figures 30, 32, 34, and 36.) Among unmarried men,
median housing expenditures ranged from a low of 28% among those 65 and older with incomes
over $70,000 to a high of 41% among those aged 55 to 64 with incomes under $30,000. Among
unmarried women, median housing expenditures ranged from a low of 29% among those 65 and
older with incomes over $70,000 to a high of 42% among those aged 65 or older with incomes
under $30,000. One-fourth of unmarried men and unmarried women with incomes under $30,000
spent more than half of their total expenditures on housing.
Both unmarried men and unmarried women generally had higher spending for health care at age
65 and older than at ages 55 to 64. Among men, median health care spending was lowest for those
aged 55 to 64 with incomes above $70,000, accounting for just 4% of their total spending, and
was highest among men 65 and older with incomes under $30,000, accounting for 12% of
spending by this group. Twenty-five percent of unmarried men aged 65 and older with incomes
under $30,000 spent 18% or more of total expenditures on health care, while one-fourth of those
aged 55 to 64 with incomes over $70,000 spent just 2% of total expenditures on health care.
Among unmarried women, median health care spending ranged from a low of 5% among those
aged 55 to 64 with incomes above $70,000 to a high of 13% among those 65 and older with
incomes under $30,000. Twenty-five percent of unmarried women aged 65 and older with
incomes under $30,000 spent 22% or more of total expenditures on health care, while one-fourth
of those aged 55 to 64 with incomes over $70,000 spent just 2% of total expenditures on health
care.
Median transportation spending fell into fairly narrow ranges of 11% to 13% of total spending
among unmarried men and 9% to 13% of total spending among unmarried women across the age
and income categories. Median spending on food ranged from 10% to 18% among unmarried
men and 9% to 16% among unmarried women. One-fourth of unmarried men aged 55 or older
with incomes under $30,000 spent 23% or more of total expenditures on food, and one-fourth of
unmarried women aged 55 or older with incomes under $30,000 spent 21% or more of total
expenditures on food. For one-fourth of unmarried men and women with incomes of $70,000 or
more, food accounted for 7% or less of total spending.

Figure 25. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples Aged 55-64, by Income
^000000000000^000000000000$9,000
^000000000000^000000000000
^000000000000^000000000000$8,000
^000000000000^000000000000
^000000000000^000000000000
^000000000000^000000000000$7,000
^000000000000^000000000000^e^s
^000000000000^000000000000$6,000^ur
^000000000000^000000000000^00000000000^00000000000^it
^nd
^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000$5,000^x^pe
^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^E
^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000$4,000^e^r^l^y
^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^r^t
ⁱ^{ki/CRS-RL34185}^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000$3,000^u^a
^g/w^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^Q
^s^.or^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000$2,000
^le^ak^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000$1,000
^://wiki^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000
^h^ttp^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000
$0
^g^on^r^e^g^on^r^e^g^on^r^e
ⁱ^c^a^tⁱ^c^a^tⁱ^c^a
^usin^r^t^a^t^Food^l^t^h^usin^r^t^a^Food^l^t^h^usin^r^t^a^Food^l^t^h
^Ho^p^o^a^Ho^p^o^a^Ho^p^o^a
^s^He^s^He^s^He
^an^an^an
^Tr^Tr^Tr
55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 26. Share of Expenditures in 2005, by Percentile Rank: Married Couples Aged 55-64, by Income
^000000000000^00000000000050.0%
^000000000000^00000000000045.0%
^000000000000^000000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^0000000000040.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000035.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^itures
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^0000000000030.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^pend
^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000025.0%
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^Ex
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000020.0%^{e of}
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^ar
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000015.0%^Sh
^g/w^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000
^s^.or^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000010.0%
^le^ak^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^000000000005.0%
^://wiki^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^h^ttp0.0%^g^e^g^e^g^e
ⁱ^on^c^a^r^tⁱ^on^c^a^r^tⁱ^on^c^a^r
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^an^an^an
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55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 27. Quarterly Expenditures in 2005, by Percentile Rank: Married Couples Aged 65+, by Income
$9,000
^00000000000^00000000000$8,00 0
^00000000000^00000000000
^00000000000^00000000000$7,00 0
^00000000000^00000000000
^00000000000^00000000000^e^s
^00000000000^00000000000$6,00 0^it^ur
^00000000000^00000000000^nd
^00000000000^00000000000^00000000000$5,00 0^pe
^00000000000^00000000000^00000000000^00000000000^x
^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000$4,000^l^y^E
^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^e^r
^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^r^t
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000$3,00 0^u^a
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^Q
^g/w^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000$2,00 0
^s^.or^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000
^le^ak^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000$1,00 0
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000
^://wiki^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000
^h^ttp$0^g^e^g^e^g^e
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^s^He^s^He^s^He
^an^an^an
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65+, <$30,00065+, $30,000-$70,00065+, >$70,000
Expenditure Category and Annual Family Income
^00000000^00000000^00000000^00000000^000000000^000000000
75th percentile50th percentile25th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 28. Share of Expenditures in 2005, by Percentile Rank: Married Couples Aged 65+, by Income

50.0%

45.0%

^000000000000^000000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^0000000000040.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^0000000000035.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^0000000000030.0%^itures
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^pend
^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^0000000000025.0%^Ex
^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000020.0%^{e of}
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^ar
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000015.0%^Sh
^g/w^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000
^s^.or^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^000000000000^00000000000010.0%
^le^ak^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000005.0%
^://wiki^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^h^ttp0.0%
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^spo^Health^spo^Health^spo^Health
^Tran^Tran^Tran
65+, <$30,00065+, $30,000-$70,00065+, >$70,000
Expenditure Category and Annual Family Income
^0000000^0000000⁷⁵^t^{h pe}^r^c^eⁿ^tⁱ^le^0000000^0000000⁵⁰^t^h^p^erc^en^ti^l^e^0000000^0000000²⁵^t^h^p^erc^en^ti^l^e
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 29. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men Aged 55-64, by Income
$8,000
^00000000000^00000000000$7,00 0
^00000000000^00000000000
^00000000000^00000000000
^00000000000^00000000000$6,00 0^s
^00000000000^00000000000^r^e
^00000000000^00000000000^t^u
^00000000000^00000000000^00000000000^00000000000$5,00 0^ndi
^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^x^pe
^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000$4,000^E
^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^r^l^y
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000$3,00 0^a^r^t^e
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^u
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^Q
^g/w^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000$2,00 0
^s^.or^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000
^le^ak^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000$1,00 0
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000
^://wiki^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000
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55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 30. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men Aged 55-64, by Income
^000000000000^00000000000055.0%
^000000000000^000000000000
^000000000000^00000000000050.0%
^000000000000^000000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^0000000000045.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^0000000000040.0%^s
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^e
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^0000000000035.0%^it^ur
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^nd
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^0000000000030.0%^pe
^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^E^x
^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^0000000000025.0%^f
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^r^e^o
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000020.0%^a
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000015.0%^Sh
^g/w^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000
^s^.or^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000010.0%
^le^ak^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^0000000000005.0%
^://wiki^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^h^ttp0.0%^g^e^g^e^g^e
ⁱ^on^c^a^r^tⁱ^on^c^a^r^tⁱ^on^c^a^r
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^an^an^an
^Tr^Tr^Tr
55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 31. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Men Aged 65+, by Income
$8,000
$7,000
^00000000000^00000000000$6,00 0
^00000000000^00000000000^r^es
^00000000000^00000000000$5,00 0^itu
^00000000000^00000000000^d
^00000000000^00000000000^pen
^00000000000^00000000000^00000000000^00000000000$4,00 0^x
^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^l^{y E}
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^g/w^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^000000000000^000000000000
^s^.or^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000
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65+, <$30,00065+, $30,000-$70,00065+, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 32. Share of Expenditures in 2005, by Percentile Rank: Unmarried Men Aged 65+, by Income

55.0%

^000000000000^000000000000
^000000000000^00000000000050.0%
^000000000000^000000000000
^000000000000^000000000000^00000000000^0000000000045.0%
^000000000000^000000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^0000000000040.0%^s
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^u^r^e
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000035.0%^it
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^nd
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^0000000000030.0%^pe
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^E^x
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000025.0%^o^f
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000020.0%^r^e
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^a
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000015.0%^Sh
^g/w^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000
^s^.or^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000010.0%
^le^ak^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000005.0%
^://wiki^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
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55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 33. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women Aged 55-64, by Income
^00000000000^00000000000$8, 000
^00000000000^00000000000
^00000000000^00000000000$7, 000
^00000000000^00000000000
^00000000000^00000000000
^00000000000^00000000000$6, 000
^00000000000^00000000000
^00000000000^00000000000
^00000000000^00000000000^000000000000$5, 000^itures
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^e^nd
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000$4, 000
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^{rly Exp}
^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000$3, 000^arte
ⁱ^{ki/CRS-RL34185}^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^Q^u
^g/w^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000$2, 000
^s^.or^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000
^le^ak^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000$1, 000
^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000
^://wiki^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^h^ttp^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000$0
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55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 34. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women Aged 55-64, by Income
^000000000000^00000000000055.0%
^000000000000^000000000000
^000000000000^000000000000^00000000000^0000000000050.0%
^000000000000^000000000000^00000000000^00000000000^0000000000045.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000040.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^e^s
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^0000000000035.0%^ur
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^it
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^0000000000030.0%^nd
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^x^pe
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^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000020.0%^a^r
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^Sh
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000015.0%
^g/w^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000
^s^.or^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000010.0%
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^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^000000000005.0%
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55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^00000000^0000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 35. Quarterly Expenditures in 2005, by Percentile Rank: Unmarried Women Aged 65+, by Income
$8,000
$7,000
$6 ,000^s
^00000000000^00000000000^ur^e
^00000000000^00000000000$5 ,000ⁱ^t
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^g/w^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000$2 ,000
^s^.or^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^le^ak^000000000000^000000000000^00000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000$1 ,000
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^://wiki^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000
^h^ttp^000000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000^000000000000^00000000000^00000000000$0
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65+, <$30,00065+, $30,000-$70,00065+, >$70,000
Expenditure Category and Annual Family Income
^00000000^00000000^00000000^00000000^00000000^00000000
75th percentile50th percentile25th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Figure 36. Share of Expenditures in 2005, by Percentile Rank: Unmarried Women Aged 65+, by Income
^000000000000^00000000000055.0%
^000000000000^000000000000
^000000000000^000000000000^0000000000050.0%
^000000000000^000000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^0000000000045.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^0000000000040.0%
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000035.0%^itures
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^e^nd
^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^0000000000030.0%
^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^0000000000025.0%^Exp
^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^f
^000000000000^000000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^0000000000020.0%
^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^h^{are o}
ⁱ^{ki/CRS-RL34185}^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000015.0%^S
^g/w^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000
^s^.or^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^00000000000^00000000000^000000000000^000000000000^000000000000^00000000000010.0%
^le^ak^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000
^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^000000000005.0%
^://wiki^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000^000000000000^000000000000^00000000000^00000000000
^h^ttp0.0%^g^e^g^e^g^e
ⁱ^on^c^a^r^tⁱ^on^c^a^r^tⁱ^on^c^a^r
^usin^r^t^a^t^Food^l^t^h^usin^r^t^a^Food^l^t^h^usin^r^t^a^Food^l^t^h
^Ho^p^o^a^Ho^p^o^a^Ho^p^o^a
^s^He^s^He^s^He
^an^an^an
^Tr^Tr^Tr
55-64, <$30,00055-64, $30,000-$70,00055-64, >$70,000
Expenditure Category and Annual Family Income
^000000000^00000000075th percentile^00000000^0000000050th percentile^00000000^0000000025th percentile
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

The data presented in this report illustrate how the consumption expenditures of older Americans
changed between 1985 and 2005 and also how these expenditures varied with the age, marital
status, employment, and income of the family head. Over the period from 1985 to 2005,
expenditures for housing and health care grew faster than total expenditures. As a result, these
two categories have increased as a share of total family spending. Expenditures for food, clothing,
transportation, entertainment, and other spending either shrank or remained unchanged as a
percentage of total family expenditures. This pattern occurred among all three age groups that we
studied.
Much of the increase in health care expenditures can be attributed to the long-term rise in the
price of medical care relative to other goods and service. Between 1985 and 2005, the CPI for
medical care rose by 185% while the CPI for all goods and services rose by 82%. Health care
expenditures rose not only because of inflation, but also because of the introduction of new
medicines, medical equipment, and procedures that either replaced older treatments or that
represented entirely new forms of medical care. The increase in health care expenditures did not
occur across the board, but was instead concentrated in two categories: health insurance
premiums and out-of-pocket spending for prescription drugs, both of which rose substantially
between 1985 and 2005. Out-of-pocket spending for medical services and supplies, on the other
hand, fell during the period. Congress recognized the growing burden of prescription drug costs
on older Americans and in 2003 passed the Medicare Prescription Drug, Improvement and
Modernization Act (P.L. 108-173). As of January 2007, nearly 24 million Medicare beneficiaries ²¹
had enrolled in Medicare Part D, the program’s prescription drug plan.
Unlike the rise in health care spending, the increase in housing expenditures cannot be attributed
to inflation, at least as it is measured by the Consumer Price Index. Between 1985 and 2005, the
CPI for housing and the CPI for all goods and services both rose by 82%. In this case, however,
the CPI may understate the growth in the cost of housing because it includes rising rents, but not
rising home prices. Also, homes built today are generally larger than those that were built 20 or
more years ago and they come with more amenities, both of which contribute to higher prices.
Higher prices due to improvements in home quality—more efficient heating and cooling systems,
for example, or more bathrooms—are not inflationary. Other housing costs—property taxes,
insurance, maintenance, and utilities—are only indirectly captured by the CPI for housing and
may also have contributed to the rising share of total expenditures accounted for by the cost of
housing.
Some of the policy questions raised by the rise in housing expenditures among older Americans
are whether these costs present lower-income families with economic hardships that are not met
through programs such as rent subsidies and the Low Income Home Energy Assistance Program
(LIHEAP), and more broadly, how much of the rise is attributable to the increasing value of
income tax-deduction allowed for mortgage interest payments as home prices have risen.
Likewise, uneven coverage by health insurance, differences in rates of premium increase, covered
services, provider networks, deductibles and copayments mean that different segments of the
population are responding to different structural and financial incentives when purchasing health

²¹^Se^e^C^R^S^R^e^por^{t R}^L³³⁰⁴¹^,^M^e^di^c^a^re^{Drug Be}^ne^fit:^Re^tire^e^Prov^is^ions^,^by^Je^nnif^e^{r O’Sulliv}^aⁿ^.

care services. If Americans merely choose to buy more health care and housing, then there is no
obvious role for public policy to influence that choice. However, to the extent that other forms of
spending are “squeezed out” by increases in the cost of housing and health care that are caused by
market inefficiencies or the unintended consequences of federal tax laws, then intervention to
correct the market failures and a review of the incentives caused by these tax policies may be
warranted.
The relationships of characteristics such as age, marital status, employment, and income to
consumer spending are important to Congress because they indicate whether particularly
vulnerable segments of the population are facing financial hardships as they age. For instance,
data from the Consumer Expenditure Survey indicate that median housing expenditures among
married couples in all three age groups that we studied were 31% to 32% of total expenditures.
Housing consumed a much larger share of total spending by unmarried men and women,
especially among those 75 and older. Median housing expenditures were 36% of spending by
unmarried men 75 and older and 42% of expenditures by unmarried women 75 and older. This is
the result, at least in part, of the lower incomes of married men and women compared to married
couples, and it may have the consequence of forcing difficult choices on some individuals. It
raises the question, for instance, of why unmarried men and women aged 75 and older spend a
smaller percentage of total spending on health care—12% and 13%, respectively—than married
couples aged 75 and older, who spend 17% of expenditures on health care. To the extent their
lower health care spending represents a choice by low-income elderly singles to pay their rent and
utility bills rather purchasing necessary medical care services, their pattern of expenditures could
indicate something other than a mere difference in tastes and preferences between older
unmarried individuals and older married couples.
Health care also is an example of a category of expenditure that is strongly affected by
employment status. For example, among married couples aged 55 to 64 in which at least one
person worked, median health care spending was just 5% of total spending, while among couples
in this age group in which neither person worked, median health care spending was twice as great
relative to total spending, consuming 10% of total expenditures. Likewise, among married
couples aged 65 and older—a group in which most people are covered by Medicare—median
health care spending was 10% of total expenditures among couples with at least one worker and
15% of spending among couples in which neither worked. Because health insurance coverage of
people under age 65 is often linked to employment, public policies that promote continued
employment among Americans aged 55 to 64 could reduce the relative share of expenditures
accounted for by health care, boost their incomes, and perhaps delay the time at which families
begin to spend their retirement savings.
Two of the categories of expenditure on which this report has focused, housing and health care,
have very different relationships to family income. Among married couples, for example, median
housing expenditures are remarkably similar as a percentage of total spending across the three
income categories that we studied. Among couples aged 55 to 64, median housing expenditures
were 34% of total spending by those with income under $30,000, 32% of spending by those with
income between $30,000 and $70,000, and 31% of spending by those with income above
$70,000. Likewise, among couples aged 65 and older, median housing expenditures were 31% of
total spending among those with income under $30,000, 30% among those with income between
$30,000 and $70,000, and 31% among those with income above $70,000. This narrow range
suggests that families are able, over time, to adjust their housing expenditures to their income in
such a way that housing represents a relatively stable share of total spending.

Health care spending varies more with both age and income than does spending for housing.
Median spending for health care rises with age as a percentage of total spending and declines with
income. Among married couples aged 55 to 64 with income under $30,000, median health care
spending was 8% of total spending in 2005, compared to 6% of spending by couples with income
from $30,000 to $70,000, and 4% by couples with income over $70,000. Among married couples
aged 65 and older, median health care spending was 17% of total spending by couples with
income under $30,000, 13% of spending by couples with income from $30,000 to $70,000, and
8% of spending by couples with income over $70,000. Thus, in each age category, health care
spending as a percentage of total spending was highest in the lowest income category, and in each
income category, health care was higher as a percentage of total spending among couples aged 65
and older than among those aged 55 to 64. Moreover, the difference in health care spending
between the low end of the distribution and the high end was substantial. One-fourth of married
couples aged 55 to 64 with incomes over $70,000 spent 2% or less of total expenditures on health
care in 2005, while one-fourth of couples aged 65 and older with income under $30,000 spent

27% or more of total expenditures on health care.

Health care expenses can vary substantially from year to year and can present unexpected claims
on families’ financial resources, leaving them with little option but to borrow or dip into savings.
For example, based on the CES data from 2005, if a family aged 65 or older with income under ^th
$30,000 had health care expenditures at the 75 percentile, accounting for 27% of total spending,
and had expenditures for housing, food, and transportation that were at the median for its age and
income, these four categories would have consumed 87% of its spending. All other goods and
services would have totaled just 13% of spending. A family aged 55 to 64 with income under ^th
$30,000 that had health care expenditures at the 75 percentile, accounting for 17% of its
spending, and that had expenditures for housing, food, and transportation that were at the median
for its age and income, would have spent 80% of its total expenditures on these four categories
and only 20% on all other spending.
If the rising share of spending devoted to health care and housing is occurring in efficient
markets, it does not imply a need for policy intervention. Economists recognize, however, that the
market for health care does not function ideally, and that choices are influenced by the structure
of health insurance policies or by the absence of health insurance. Likewise, the recent crisis in
the market for “subprime” mortgages indicates that the housing market does not always function
in a way that leads to desirable results either for individuals or the economy. Although all
Americans must deal with the rapidly rising cost of health care and the effects that volatile credit
and financial markets may have on the broader economy, older Americans are especially
vulnerable due to their lower average incomes.

Table A-1. Average Annual Expenditures, Family Head Aged 55 to 64
¹⁹⁸⁵¹⁹⁹^{0 199}⁵²⁰⁰^{0 200}⁵
^{Number of}^{families (in thous}^ands)^13,0⁵⁶^12,1⁶²^12,6²⁴^14,1⁶¹^18,1⁰⁴
^{Average ann}^{ual expenditures (in 2005 $)}^$41,1²⁷^$40,0⁰⁶^$38,3⁹⁹^$40,9³⁰^$44,2²⁴
^Food^6,63⁰^6,62^{0 5,81}⁹^5,86^{1 6,20}²
^Housing^12,1⁶⁵^12,6^{40 13,1}⁹²^14,0^{20 15,7}⁶⁹
^{Mortgage, rent, insu}^{rance, a}^{nd re}^pairs^5,91⁷^6,30⁶^6,86⁸^7,47¹^8,68⁶
^Utilit^{ies, fuels, and public services}^3,43²^3,22⁸^3,13¹^3,12⁶^3,42⁷
^{Household operations and s}^u^p^plies^2,81⁷^3,10⁷^3,19⁵^3,42³^3,65⁶
^{Apparel a}^{nd services}^2,82¹^2,33¹^2,35²^1,92¹^1,78⁴
^{Transportation}^8,85⁰^7,91^{5 7,34}⁶^8,89^{4 8,90}⁸
^Health^care^2,45⁹^2,67^{6 2,44}⁹^2,84^{4 3,41}⁰
^Health^insu^rance⁸¹⁹^1,04^{6 1,15}⁰^1,28^{4 1,58}⁵
^Medical^services^1,14⁰^{977 752}^{818 979}
^Drugs⁴⁰¹^{508 441}^{610 713}
^Medical^supplies¹⁰²^{143 106}^{133 134}
^Entertain^ment^2,07¹^2,25^{2 2,02}²^2,21^{7 2,42}⁹
^{Personal care p}^{roducts and s}^ervi^ces⁵⁹²⁶¹⁶⁵²²⁶⁴⁵⁵⁵⁰
^{Reading and Education}⁶⁹⁷⁸⁰⁵⁷⁰⁶⁶³⁴⁹⁰⁰
^{Alcohol and tobacco products}⁹⁵⁷⁸⁶⁷⁷²⁷⁸¹⁷⁷⁹⁰
^{Life and other}^{personal ins}^ura^nce⁶⁷⁷⁶⁹⁸⁷¹³⁶⁶⁶⁵⁴¹
^{Miscellaneous 1,04}⁵^1,23⁷^1,21⁶⁹³⁵⁹⁸¹
^Cash^contrib^utions^2,16⁴^1,34^{9 1,33}⁷^1,47^{6 1,96}⁰
^{Percentage Distribution:}
^Food^16.1^{16.5 15.2}^{14.3 14.0}
^Housing^29.5^{31.6 34.4}^{34.3 35.6}
^{Mortgage, rent, insu}^{rance, a}^{nd re}^pairs^14.4^15.8^17.9^18.3^19.6
^Utilit^{ies, fuels, and public services}^8.3^8.1^8.2^7.6^7.7
^{Household operations and s}^u^p^plies^6.8^7.8^8.3^8.4^8.3
^{Apparel a}^{nd services}^6.9^5.8^6.1^4.7^4.0
^{Transportation}^21.5^{19.8 19.1}^{21.7 20.1}
^Health^care^6.0^{6.7 6.4}^{6.9 7.7}
^Health^insu^rance^2.0^{2.6 3.0}^{3.1 3.6}
^Medical^services^2.8^{2.4 2.0}^{2.0 2.2}
^Drugs^1.0^{1.3 1.1}^{1.5 1.6}
^Medical^supplies^0.2^{0.4 0.3}^{0.3 0.3}

¹⁹⁸⁵¹⁹⁹^{0 199}⁵²⁰⁰^{0 200}⁵
^Entertain^ment^5.0^{5.6 5.3}^{5.4 5.5}
^{Personal care p}^{roducts and s}^ervi^ces^1.4^1.5^1.4^1.6^1.2
^{Reading and Education}^1.7^2.0^1.8^1.5^2.0
^{Alcohol and tobacco products}^2.3^2.2^1.9^2.0^1.8
^{Life and other}^{personal ins}^ura^nce^1.6^1.7^1.9^1.6^1.2
^{Miscellaneous}^2.5^{3.1 3.2}^{2.3 2.2}
^Cash^contrib^utions^5.3^{3.4 3.5}^{3.6 4.4}
^Total¹⁰⁰^%¹⁰⁰^{% 100}^%¹⁰⁰^{% 100}^%
^Source:^{CRS analysis of the Con}^sumer^Ex^penditu^{re Surve}^{y, various years. All amounts}^{are in}²⁰⁰⁵^dollars.
Table A-2. Average Annual Expenditures, Family Head Aged 65 to 74
¹⁹⁸^{5 199}^{0 199}⁵²⁰⁰^{0 200}⁵
^{Number of}^{families (in thous}^ands)^11,3⁰²^11,3¹⁸^11,9³³^11,5³⁸^11,5⁰⁵
^{Average ann}^{ual expenditures (in 2005 $)}^$31,4⁹¹^$30,1³⁹^$31,3⁴⁷^$33,9³⁰^$36,4⁴²
^Food^5,02^{6 4,93}^{9 4,99}¹^4,73^{8 4,89}⁹
^Housing^10,1⁸⁴^9,63^{6 10,1}⁴⁷^10,9^{68 12,4}⁷⁴
^{Mortgage, rent, insu}^{rance, a}^{nd re}^pairs^4,78¹^4,76⁴^5,14⁰^5,80⁰^6,42³
^Utilit^{ies, fuels, and public services}^2,95⁷^2,74⁶^2,75⁶^2,76⁵^3,09¹
^{Household operations and s}^u^p^plies^2,44⁵^2,12⁵^2,25⁰^2,40³^2,96¹
^Apparel^a^nd^services^1,92^{4 1,45}^{2 1,42}⁹^1,28^{2 1,31}³
^{Transportation}^5,92^{8 5,17}^{5 5,74}²^6,57^{5 6,56}⁸
^Health^care^2,99^{3 3,28}^{3 3,35}⁵^3,58^{7 4,17}⁶
^Health^insu^rance^1,22^{2 1,51}^{5 1,95}⁷^1,82^{4 2,35}²
^Medical^services^1,04^{5 980 606}^{778 733}
^Drugs^{561 680 687}^{844 956}
^Medical^supplies^{163 109 105}^{143 134}
^Entertain^ment^1,30^{3 1,36}^{6 1,47}⁸^1,59^{1 2,14}³
^{Personal care p}^{roducts and s}^ervi^ces⁴⁶³⁴⁵⁶⁴⁸⁷⁵⁴³⁴⁹⁵
^Reading^and^Education^{412 305 533}^{357 410}
^{Alcohol and tobacco products}⁶³²⁵⁶⁰⁴⁹⁹⁵⁴⁹⁵⁵³
^{Life and other}^{personal ins}^ura^nce⁴²⁸⁵¹⁰³⁹⁰⁵⁸³⁴⁴⁹
^{Miscellaneous}^{672 1,05}⁸⁸⁰⁵^{863 1,03}⁷
^Cash^contrib^utions^1,52^{6 1,40}^{0 1,49}²^2,29^{3 1,92}⁵

¹⁹⁸^{5 199}^{0 199}⁵²⁰⁰^{0 200}⁵
^{Percentage Distribution:}
^Food^{16.0 16.4 15.9}^{14.0 13.4}
^Housing^{32.4 32.0 32.4}^{32.3 34.2}
^{Mortgage, rent, insu}^{rance, a}^{nd re}^pairs^15.2^15.8^16.4^17.1^17.6
^Utilit^{ies, fuels, and public services}^9.4^9.1^8.8^8.1^8.5
^{Household operations and s}^u^p^plies^7.8^7.1^7.2^7.1^8.1
^Apparel^a^nd^services^{6.1 4.8 4.6}^{3.8 3.6}
^{Transportation}^{18.8 17.2 18.3}^{19.4 18.0}
^Health^care^{9.5 10.9 10.7}^{10.6 11.5}
^Health^insu^rance^{3.9 5.0 6.2}^{5.4 6.5}
^Medical^services^{3.3 3.3 1.9}^{2.3 2.0}
^Drugs^{1.8 2.3 2.2}^{2.5 2.6}
^Medical^supplies^{0.5 0.4 0.3}^{0.4 0.4}
^Entertain^ment^{4.1 4.5 4.7}^{4.7 5.9}
^{Personal care p}^{roducts and s}^ervi^ces^1.5^1.5^1.6^1.6^1.4
^Reading^and^Education^{1.3 1.0 1.7}^{1.1 1.1}
^{Alcohol and tobacco products}^2.0^1.9^1.6^1.6^1.5
^{Life and other}^{personal ins}^ura^nce^1.4^1.7^1.2^1.7^1.2
^{Miscellaneous}^{2.1 3.5 2.6}^{2.5 2.8}
^Cash^contrib^utions^{4.8 4.6 4.8}^{6.8 5.3}
^Total¹⁰⁰^{% 100}^{% 100}^%¹⁰⁰^{% 100}^%
^Source:^{CRS analysis of the Con}^sumer^Ex^penditu^{re Surve}^{y, various years. All amounts}^{are in}²⁰⁰⁵^dollars.
Table A-3. Average Annual Expenditures, Family Head Aged 75 or Older
¹⁹⁸^{5 199}^{0 199}⁵²⁰⁰^{0 200}⁵
^{Number of}^{families (in thous}^ands)^7,34³^8,76¹^9,86⁰^10,6¹⁷^11,3⁴²
^{Average ann}^{ual expenditures (in 2005 $)}^$23,3¹⁴^$22,8⁹¹^$23,4⁹⁶^$24,5⁸⁶^$26,4¹⁷
^Food^3,70^{1 3,59}^{5 3,54}⁶^3,49^{0 3,38}⁸
^Housing^7,98^{4 8,17}^{2 9,20}⁸^8,80^{8 9,61}²
^{Mortgage, rent, insu}^{rance, a}^{nd re}^pairs^3,73²^4,17⁶^4,16¹^4,57⁵^5,24⁰
^Utilit^{ies, fuels, and public services}^2,44¹^2,26⁴^2,27⁵^2,19⁷^2,53¹
^{Household operations and s}^u^p^plies^1,81³^1,73⁰^2,77¹^2,03⁶^1,84¹
^Apparel^a^nd^services^{889 731 747}^{795 584}
^{Transportation}^3,25^{8 3,18}^{4 2,60}⁸^3,26^{1 3,75}⁴
^Health^care^3,00^{6 3,32}^{2 3,43}⁸^3,78^{6 4,21}⁰
^Health^insu^rance^1,10^{2 1,43}^{4 1,99}⁵^1,85^{0 2,26}⁰
^Medical^services^1,08⁹^1,00^{7 624}^{746 805}

¹⁹⁸^{5 199}^{0 199}⁵²⁰⁰^{0 200}⁵
^Drugs^{595 749 713}^1,03^{0 998}
^Medical^supplies^{218 131 106}^{160 146}
^Entertain^ment^{650 632 834}⁸⁰²^1,03²
^{Personal care p}^{roducts and s}^ervi^ces³⁵⁰³²⁶³³³⁴¹⁷⁴²⁷
^Reading^and^Education^{234 259 246}^{217 297}
^{Alcohol and tobacco products}³⁰¹²⁴²²⁷⁴²⁸⁸²⁶⁹
^{Life and other}^{personal ins}^ura^nce¹⁶⁵¹⁹⁶²²⁰²⁶¹³⁵⁷
^{Miscellaneous}^{385 527 733}^{627 635}
^Cash^contrib^utions^2,39^{0 1,70}^{5 1,30}⁸^1,83^{5 1,85}²
^{Percentage Distribution:}
^Food^{15.9 15.7 15.1}^{14.2 12.8}
^Housing^{34.3 35.7 39.2}^{35.8 36.4}
^{Mortgage, rent, insu}^{rance, a}^{nd re}^pairs^16.0^18.2^17.7^18.6^19.8
^Utilit^{ies, fuels, and public services}^10.5^9.9^9.7^8.9^9.6
^{Household operations and s}^u^p^plies^7.8^7.6^11.8^8.3^7.0
^Apparel^a^nd^services^{3.8 3.2 3.2}^{3.2 2.2}
^{Transportation}^{14.0 13.9 11.1}^{13.3 14.2}
^Health^care^{12.9 14.5 14.6}^{15.4 15.9}
^Health^insu^rance^{4.7 6.3 8.5}^{7.5 8.6}
^Medical^services^{4.7 4.4 2.7}^{3.0 3.0}
^Drugs^{2.6 3.3 3.0}^{4.2 3.8}
^Medical^supplies^{0.9 0.6 0.5}^{0.7 0.6}
^Entertain^ment^{2.8 2.8 3.6}^{3.3 3.9}
^{Personal care p}^{roducts and s}^ervi^ces^1.5^1.4^1.4^1.7^1.6
^Reading^and^Education^{1.0 1.1 1.0}^{0.9 1.1}
^{Alcohol and tobacco products}^1.3^1.1^1.2^1.2^1.0
^{Life and other}^{personal ins}^ura^nce^0.7^0.9^0.9^1.1^1.4
^{Miscellaneous}^{1.7 2.3 3.1}^{2.6 2.4}
^Cash^contrib^utions^{10.3 7.4 5.6}^{7.5 7.0}
^Total¹⁰⁰^{% 100}^{% 100}^%¹⁰⁰^{% 100}^%
^Source:^{CRS analysis of the Con}^sumer^Ex^penditu^{re Surve}^{y, various years. All amounts}^{in 2}⁰⁰⁵^dollars.

Table A-4. Average Quarterly Spending in 2005 by Marital Status and Age
^{Marital status:}^{Married co}^uples^Unmar^{ried men}^Unmar^{ried women}
^Age:^{55 to 64}^{65 to 74}⁷⁵⁺^{55 to 64}^{65 to 74}⁷⁵⁺^{55 to 64}^{65 to 74}⁷⁵⁺
^Families⁽ⁱⁿ^thousands)^9,66^{9 6,03}¹^4,35^{2 2,38}^{7 1,71}³^1,82^{1 4,21}^{8 3,38}⁴^5,67²
^{Total spending}
⁷⁵^th^per^centile^$19,5^{75 $14,9}³⁵^$10,7^{71 $11,8}¹¹^$9,06⁷^$6,70^{4 $10,5}⁸⁷^$8,01⁵^$6,10³
^Median^12,9^{55 9,85}⁵^7,34^{5 7,97}^{8 5,53}¹^4,58^{3 6,87}^{7 5,30}³^3,89⁵
²⁵^th^per^centile^8,89^{5 6,68}⁸^4,95^{4 5,28}^{0 3,65}⁶^3,04^{0 4,62}^{4 3,54}⁰^2,76⁶
^Housing
^Percent^with^s^p^e^nding¹⁰⁰^{% 100}^%¹⁰⁰^{% 100}^{% 100}^%¹⁰⁰^{% 100}^{% 100}^%¹⁰⁰^%
⁷⁵^th^per^centile^6,60^{8 4,79}⁹^3,44^{2 4,41}^{1 3,28}²^2,42^{6 4,08}^{4 3,05}²^2,53²
^Median^4,09^{4 3,08}⁸^2,08^{7 2,55}^{6 1,77}⁹^1,50^{0 2,55}^{7 1,96}²^1,60¹
²⁵^th^per^centile^2,46^{8 1,70}⁹^1,23^{7 1,57}^{2 1,09}⁸^{993 1,61}^{5 1,21}⁰⁹⁹⁸
^Transp^ortation
^Percent^with^s^p^e^nding^{99.1% 98.5%}^{96.9% 95.5% 96.2%}^{88.8% 95.6% 90.8%}^74.9%
⁷⁵^th^per^centile^3,25^{9 2,40}¹^1,47^{8 2,03}^{0 1,62}⁰^1,17^{0 1,75}^{4 1,13}⁹⁷⁵⁰
^Median^1,94⁰^1,38⁴⁷⁵⁹^1,12^{2 780}^{530 960 596}³⁴⁸
²⁵^th^per^centile^1,00^{5 720}^{365 510 305}^{214 450 291}¹⁵⁰
^Food
^Percent^with^s^p^e^nding¹⁰⁰^%¹⁰⁰^%^{99.8% 99.0% 99.5%}^{96.1% 99.9% 99.8%}^98.4%
⁷⁵^th^per^centile^2,20^{4 1,95}⁰^1,62^{0 1,55}^{0 1,26}¹^1,03^{5 1,29}^{6 1,16}⁵⁸⁸⁵
^Median^1,58⁵^1,39⁵^1,13³^1,03^{0 830}^{675 850 736}⁵⁹⁵
²⁵^th^per^centile^1,14^{2 987}^{788 695 565}^{475 551 520}⁴¹⁶
^{Health care}
^Percent^with^s^p^e^nding^{88.9% 96.2%}^{96.8% 70.9% 91.5%}^{93.0% 82.3% 92.9%}^93.5%
⁷⁵^th^per^centile^1,36⁸^1,65⁶^1,88^{5 947 879}^1,07^{0 853}^1,02⁶⁹⁴⁵
^Median⁷²²^1,05⁰^1,23^{2 430 508}^{513 433 590}⁵⁴⁵
²⁵^th^per^centile^{340 616}^{729 215 255}^{270 200 295}²⁸¹
^Clothing
^Percent^with^s^p^e^nding^{83.3% 77.7%}^{64.7% 72.3% 62.6%}^{52.2% 78.0% 72.7%}^55.8%
⁷⁵^th^per^centile^{600 424}^{305 320 220}^{150 400 269}¹⁹¹
^Median^{281 200}^{150 149 100}^{70 180 122}⁸²
²⁵^th^per^centile^{120 82}^{60 54 32}^{31 76 55}³²
^{Entertainment}
^Percent^with^s^p^e^nding^{95.8% 94.3%}^{89.5% 87.2% 84.7%}^{74.8% 88.2% 86.6%}^77.4%
⁷⁵^th^per^centile^{819 644}^{397 519 438}^{310 465 354}²²⁹
^Median^{401 310}^{207 270 219}^{169 253 196}¹⁵⁰
²⁵^th^per^centile^{212 171}^{141 150 129}^{120 144 137}¹⁰⁵

^{Marital status:}^{Married co}^uples^Unmar^{ried men}^Unmar^{ried women}
^Age:^{55 to 64}^{65 to 74}⁷⁵⁺^{55 to 64}^{65 to 74}⁷⁵⁺^{55 to 64}^{65 to 74}⁷⁵⁺
^{All other spending}
^Percent^with^s^p^e^nding^{99.6% 98.6%}^{96.8% 98.8% 97.5%}^{94.1% 98.9% 96.7%}^93.5%
⁷⁵^th^per^centile^4,76^{3 2,77}⁴^1,65^{0 2,68}^{5 1,46}³^{996 2,10}^{7 1,22}⁵⁷⁶⁰
^Median^2,75^{0 1,36}¹^{750 1,55}⁰⁶¹⁸^{395 1,05}³⁵⁶⁷³¹⁶
²⁵^th^per^centile^1,45^{0 669}^{278 749 261}^{118 545 243}¹²⁰
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
^Note:^{Married couples aged 55}^t^o^{64 include at least one}^pe^rson^{55 to 6}⁴^yea^{rs old and no one ov}^{er age 6}^4.
^{Married couples aged}^{65 to}^{74 in}^{clude at least one pe}^{rson 6}⁵^{to 7}⁴^{years old and no one}^{over age}^{74. Mar}^ried
^{couples aged 7}⁵^{and older includ}^{e at least one pe}^{rson older than}^{age 74.}
Table A-5. Share of Total Spending by Category in 2005 by Marital Status and Age
^{Marital status:}^{Married co}^uples^Unmar^{ried men}^Unmar^{ried women}
^Age:^{55 to 64}^{65 to 74}^{75 and up}^{55 to 64}^{65 to 74}^{75 and up}^{55 to 64}^{65 to 74}^{75 and up}
^Families⁽ⁱⁿ^thousands)^9,66^{9 6,03}¹^4,35^{2 2,38}^{7 1,71}³^1,82^{1 4,21}^{8 3,38}⁴^5,67²
^{Total spending}
⁷⁵^th^per^centile^$19,5^{75 $14,9}³⁵^$10,7^{71 $11,8}¹¹^$9,06⁷^$6,70^{4 $10,5}⁸⁷^$8,01⁵^$6,10³
^Median^12,9^{55 9,85}⁵^7,34^{5 7,97}^{8 5,53}¹^4,58^{3 6,87}^{7 5,30}³^3,89⁵
²⁵^th^per^centile^8,89^{5 6,68}⁸^4,95^{4 5,28}^{0 3,65}⁶^3,04^{0 4,62}^{4 3,54}⁰^2,76⁶
^Housing
^Percent^with^s^p^e^nding¹⁰⁰^{% 100}^%¹⁰⁰^{% 100}^{% 100}^%¹⁰⁰^{% 100}^{% 100}^%¹⁰⁰^%
⁷⁵^th^per^centile^{42.3 42.3}^{40.6 48.1 46.5}^{48.9 49.2 50.0}^55.2
^Median^{31.8 30.9}^{30.1 35.8 33.2}^{36.2 38.3 37.5}^42.1
²⁵^th^per^centile^{23.4 22.4}^{21.1 24.7 24.0}^{24.5 28.9 27.3}^30.2
^Transp^ortation
^Percent^with^s^p^e^nding^{99.1% 98.5%}^{96.9% 95.5% 96.2%}^{88.8% 95.6% 90.8%}^74.9%
⁷⁵^th^per^centile^{22.2 21.0}^{17.7 21.1 22.6}^{21.7 20.6 17.2}^14.9
^Median^{14.5 13.3}^{10.5 13.2 13.1}^{10.6 12.9 10.0}^8.4
²⁵^th^per^centile^{8.8 8.2}^{5.7 7.4 6.6}^{5.4 7.1 5.6}^3.9
^Food
^Percent^with^s^p^e^nding¹⁰⁰^%¹⁰⁰^%^{99.8% 99.0% 99.5%}^{96.1% 99.9% 99.8%}^98.4%
⁷⁵^th^per^centile^{16.8 19.4}^{22.1 19.2 22.1}^{21.8 18.1 21.5}^22.1
^Median^{12.2 14.1}^{15.7 12.8 15.8}^{15.9 12.4 15.0}^15.9
²⁵^th^per^centile^8.6^10.2^{10.5 8.7 9.7}^{9.8 8.2}^10.0^10.5
^Healthcare
^Percent^with^s^p^e^nding^{88.9% 96.2%}^{96.8% 70.9% 91.5%}^{93.0% 82.3% 92.9%}^93.5%
⁷⁵^th^per^centile^{10.2 17.2}^26.6^{9.8 14.7}^{19.6 11.3 17.5}^21.7

^{Marital status:}^{Married co}^uples^Unmar^{ried men}^Unmar^{ried women}
^Age:^{55 to 64}^{65 to 74}^{75 and up}^{55 to 64}^{65 to 74}^{75 and up}^{55 to 64}^{65 to 74}^{75 and up}
^Median^5.0^10.4^{17.0 5.0 9.5}^{12.2 5.7}^10.9^13.3
²⁵^th^per^centile^{2.4 5.8}^{10.2 2.2 5.2}^{7.3 2.7 6.2}^8.1
^Clothing
^Percent^with^s^p^e^nding^{83.3% 77.7%}^{64.7% 72.3% 62.6%}^{52.2% 78.0% 72.7%}^55.8%
⁷⁵^th^per^centile^{3.7 3.5}^{3.3 3.4 3.0}^{2.8 4.6 4.2}^4.0
^Median^{2.1 1.9}^{1.7 1.6 1.5}^{1.4 2.4 2.2}^1.8
²⁵^th^per^centile^{0.9 0.8}^{0.8 0.7 0.7}^{0.5 1.1 1.0}^0.8
^{Entertainment}
^Percent^with^s^p^e^nding^{95.8% 94.3%}^{89.5% 87.2% 84.7%}^{74.8% 88.2% 86.6%}^77.4%
⁷⁵^th^per^centile^{5.6 5.4}^{5.2 5.5 6.3}^{6.2 5.9 6.5}^5.9
^Median^{3.1 3.2}^{3.3 3.4 3.6}^{3.8 3.5 3.9}^3.7
²⁵^th^per^centile^{1.9 2.0}^{1.9 2.0 2.0}^{2.3 2.0 2.1}^2.2
^{All other spending}
^Percent^with^s^p^e^nding^{99.6% 98.6%}^{96.8% 98.8% 97.5%}^{94.1% 98.9% 96.7%}^93.5%
⁷⁵^th^per^centile^{29.9 22.3}^{19.0 30.3 21.0}^{17.3 23.8 18.5}^12.6
^Median^{21.6 14.0}^{9.8 19.1 11.9}^{8.8 16.2 11.3}^7.9
²⁵^th^per^centile^{14.2 7.7}^4.6^{11.5 5.0}^{3.3 9.9 5.6}^3.4
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
^Note:^{Married couples aged 55}^t^o^{64 include at least one}^pe^rson^{55 to 6}⁴^yea^{rs old and no one ov}^{er age 6}^4.
^{Married couples aged}^{65 to}^{74 in}^{clude at least one pe}^{rson 6}⁵^{to 7}⁴^{years old and no one}^{over age}^{74. Mar}^ried
^{couples aged 7}⁵^{and older includ}^{e at least one pe}^{rson older than}^{age 74.}
Table A-6. Average Quarterly Expenditures in 2005 by Employment and Age:
Married Couples
^{Employment status:}^{One or}^both^working^Neith^{er working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^Num^{ber (in t}^housands)^8,90³^4,48²⁷⁶⁷^5,90¹
^{Total spending}
⁷⁵^th^per^centile^$19,8⁴⁶^$16,0⁵⁴^$14,2⁷⁰^$10,2⁸⁹
^{Median 13,2}⁸⁹^10,9⁸³^9,59⁸^7,43²
²⁵^th^per^centile^9,19⁷^7,57⁷^6,60⁴^4,93⁹
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^6,73⁰^5,07⁹^5,39⁵^3,70⁵
^{Median 4,16}⁸^3,22²^3,24¹^2,01⁹
²⁵^th^per^centile^2,54³^1,91⁴^2,04⁰^1,26²

^{Employment status:}^{One or}^both^working^Neith^{er working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^Transp^ortation
^{Percent with s}^p^e^nding^99.0%^98.9%¹⁰⁰^%^97.0%
⁷⁵^th^per^centile^3,37⁰^2,54²^2,44⁷^1,68⁷
^{Median 1,98}²^1,43¹^1,65¹⁸⁷⁵
²⁵^th^per^centile^1,02²⁷⁷¹⁸⁰⁰³⁹⁸
^Food
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%^99.9%
⁷⁵^th^per^centile^2,22⁵^1,99⁰^2,06⁵^1,69⁰
^{Median 1,59}⁰^1,40⁶^1,50⁰^1,21⁵
²⁵^th^per^centile^1,14⁵⁹⁹⁵^1,06⁷⁸³²
^{Health care}
^{Percent with s}^p^e^nding^88.8%^96.6%^90.6%^96.4%
⁷⁵^th^per^centile^1,34⁵^1,77⁴^1,62⁰^1,76⁷
^{Median 705}^1,13³⁹⁶⁰^1,12⁵
²⁵^th^per^centile³³⁰⁶⁴²⁵⁰⁰⁶⁷⁹
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
^Note:^{Married couples aged 55}^t^o^{64 include at least one}^pe^rson^{55 to 6}⁴^yea^{rs old and no one ov}^{er age 6}^4.
^{Married couples aged}^{65 a}^{nd older include at least one}^person^old^{er tha}^{n age 6}^4.
Table A-7. Average Quarterly Expenditures in 2005 by Employment and Age:
Unmarried Men
^{Employment status:}^Working^{Not working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^Num^{ber (in t}^housands)^1,89⁶⁸¹⁶⁴⁹¹^2,71⁸
^{Total spending}
⁷⁵^th^per^centile^$12,2¹⁴^$11,6³³^$10,1³⁰^$6,83⁴
^{Median 8,28}⁴^6,82³^6,84³^4,59²
²⁵^th^per^centile^5,55⁰^4,61⁴^4,03⁰^3,11⁰
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%^100.^0%
⁷⁵^th^per^centile^4,53⁷^3,69²^4,30⁸^2,53³
^{Median 2,58}⁹^2,15⁷^2,24⁴^1,51²
²⁵^th^per^centile^1,64⁴^1,22⁸^1,34⁵^1,00²
^Transp^ortation
^{Percent with s}^p^e^nding^97.1%^96.7%^89.4%^91.2%
⁷⁵^th^per^centile^1,95⁰^1,80⁷^2,44⁹^1,22¹

^{Employment status:}^Working^{Not working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^{Median 1,12}⁴^1,02⁰^1,10⁵⁵²²
²⁵^th^per^centile⁵³⁰⁴⁵⁰³⁵⁹²³²
^Food
^{Percent with s}^p^e^nding^99.1%^99.6%^99.0%^97.2%
⁷⁵^th^per^centile^1,59⁵^1,46⁰^1,30³^1,07³
^{Median 1,06}⁰⁸⁷⁴⁸⁶⁰⁷⁰⁵
²⁵^th^per^centile⁷³⁶⁵⁷⁸⁵⁸⁰⁵¹⁵
^{Health care}
^{Percent with s}^p^e^nding^71.0%^92.8%^70.4%^92.1%
⁷⁵^th^per^centile⁹⁰³^1,17⁰^1,01⁴⁹⁴⁴
^{Median 390}⁶³⁹⁶⁶⁷⁴⁹⁰
²⁵^th^per^centile¹⁸⁰³¹⁰³⁴⁴²⁵⁵
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
Table A-8. Average Quarterly Expenditures in 2005 by Employment and Age:
Unmarried Women
^{Employment status:}^Working^{Not working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^Num^{ber (in t}^housands)^3,20⁵^1,47⁷^1,01⁴^7,58⁰
^{Total spending}
⁷⁵^th^per^centile^$10,9⁵⁵^$9,14⁴^$9,66⁶^$6,38⁹
^{Median 7,10}⁸^6,18⁷^5,96⁰^4,05⁶
²⁵^th^per^centile^4,88⁶^4,25³^3,89¹^2,81²
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^4,10³^3,35⁸^3,72⁶^2,61⁸
^{Median 2,72}⁴^2,10⁶^2,28⁵^1,61⁹
²⁵^th^per^centile^1,72³^1,32⁷^1,46⁴^1,01⁶
^Transp^ortation
^{Percent with s}^p^e^nding^96.9%^96.5%^91.3%^77.7%
⁷⁵^th^per^centile^1,79⁷^1,26⁷^1,60⁵⁸⁰⁴
^{Median 1,01}³⁶³³⁷⁶⁵³⁸⁸
²⁵^th^per^centile⁴⁷⁵³¹⁵³³⁴¹⁷⁹
^Food
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%^99.6%^98.7%
⁷⁵^th^per^centile^1,29⁵^1,16³^1,31⁵⁹⁴⁸

^{Employment status:}^Working^{Not working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^{Median 850}⁷²⁵⁸⁴⁰⁶⁴⁵
²⁵^th^per^centile⁵⁵⁹⁵²⁰⁵³⁵⁴⁵⁵
^{Health care}
^{Percent with s}^p^e^nding^81.7%^95.8%^84.1%^92.8%
⁷⁵^th^per^centile⁸³⁹^1,01³⁹⁰⁸⁹⁵⁵
^{Median 434}⁶¹⁵⁴²⁰⁵⁴⁷
²⁵^th^per^centile¹⁸⁶³⁴²²³⁵²⁸⁰
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
Table A-9. Average Share of Expenditures in 2005 by Employment and Age: Married
Couples
^{Employment status:}^{One or}^both^working^Neith^{er working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^Num^{ber (in t}^housands)^8,90³^4,48²⁷⁶⁷^5,90¹
^{Total spending}
⁷⁵^th^per^centile^$19,8⁴⁶^$16,0⁵⁴^$14,2⁷⁰^$10,8²⁹
^{Median 13,2}⁸⁹^10,9⁸³^9,59⁸^7,43²
²⁵^th^per^centile^9,19⁷^7,57⁷^6,60⁴^4,93⁹
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^41.9^41.2^46.7^41.8
^{Median 31.5}^30.5^34.3^30.5
²⁵^th^per^centile^23.2^21.9^26.9^21.8
^Transp^ortation
^{Percent with s}^p^e^nding^99.0%^98.9%¹⁰⁰^%^97.0%
⁷⁵^th^per^centile^22.0^20.4^25.3^19.7
^{Median 14.4}^13.0^15.2^11.6
²⁵^th^per^centile^8.7^7.9^9.1^6.5
^Food
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%^99.9%
⁷⁵^th^per^centile^16.6^17.1^21.4^22.7
^{Median 12.0}^12.9^14.4^16.4
²⁵^th^per^centile^8.4^9.3^8.1^11.6
^{Health care}
^{Percent with s}^p^e^nding^88.8%^96.6%^90.6%^96.4%
⁷⁵^th^per^centile^9.5^16.8^16.9^24.8

^{Employment status:}^{One or}^both^working^Neith^{er working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^{Median 4.7}^9.9^10.2^15.4
²⁵^th^per^centile^2.3^5.6^4.7^9.1
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
^Note:^{Married couples aged 55}^t^o^{64 include at least one}^pe^rson^{55 to 6}⁴^yea^{rs old and no one ov}^{er age 6}^4.
^{Married couples aged}^{65 a}^{nd older include at least one}^person^old^{er tha}^{n age 6}^4.
Table A-10. Average Share of Expenditures in 2005 by Employment and Age:
Unmarried Men
^{Employment status:}^Working^{Not working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^Num^{ber (in t}^housands)^1,89⁶⁸¹⁶⁴⁹¹^2,71⁸
^{Total spending}
⁷⁵^th^per^centile^$12,2¹⁴^$11,6³³^$10,1³⁰^$6,83⁴
^{Median 8,28}⁴^6,82³^6,84³^4,59²
²⁵^th^per^centile^5,55⁰^4,61⁴^4,03⁰^3,11⁰
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%^100.^0%
⁷⁵^th^per^centile^45.8^41.3^56.4^49.4
^{Median 34.4}^29.5^43.7^36.3
²⁵^th^per^centile^14.4^22.2^25.5^25.5
^Transp^ortation
^{Percent with s}^p^e^nding^97.1%^96.7%^89.4%^91.2%
⁷⁵^th^per^centile^20.0^22.3^25.7^21.7
^{Median 12.9}^13.1^14.7^11.4
²⁵^th^per^centile^7.5^6.4^7.1^5.8
^Food
^{Percent with s}^p^e^nding^99.1%^99.6%^99.0%^97.2%
⁷⁵^th^per^centile^19.1^19.4^19.2^22.9
^{Median 12.9}^12.8^12.6^16.6
²⁵^th^per^centile^8.7^8.4^8.7^10.5
^{Health care}
^{Percent with s}^p^e^nding^71.0%^92.8%^70.4%^92.1%
⁷⁵^th^per^centile^8.4^14.8^14.0^17.4
^{Median 4.4}^9.2^7.8^11.7
²⁵^th^per^centile^1.9^4.1^4.6^6.7
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Table A-11. Average Share of Expenditures in 2005 by Employment and Age:
Unmarried Women
^{Employment status:}^Working^{Not working}
^Age:^{55 to 64}^{65 and older}^{55 to 64}^{65 and older}
^Num^{ber (in t}^housands)^3,20⁵^1,47⁷^1,01⁴^7,58⁰
^{Total spending}
⁷⁵^th^per^centile^$10,9⁵⁵^$9,14⁴^$9,66⁶^$6,38⁹
^{Median 7,10}⁸^6,18⁷^5,96⁰^4,05⁶
²⁵^th^per^centile^4,88⁶^4,25³^3,89¹^2,81²
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^48.9^47.3^50.2^54.8
^{Median 38.0}^35.0^39.9^41.0
²⁵^th^per^centile^28.6^25.7^30.7^29.4
^Transp^ortation
^{Percent with s}^p^e^nding^96.9%^96.5%^91.3%^77.7%
⁷⁵^th^per^centile^20.2^16.8^22.5^15.6
^{Median 13.0}^9.8^12.5^9.0
²⁵^th^per^centile^7.1^5.9^6.6^4.3
^Food
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%^99.6%^98.7%
⁷⁵^th^per^centile^17.2^17.9^21.1^22.9
^{Median 11.6}^12.6^14.7^16.3
²⁵^th^per^centile^8.0^8.6^9.1^10.6
^{Health care}
^{Percent with s}^p^e^nding^81.7%^95.8%^84.1%^92.8%
⁷⁵^th^per^centile^10.1^16.4^13.5^20.8
^{Median 5.4}^10.2^6.6^12.6
²⁵^th^per^centile^2.5^6.1^3.3^7.7
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Table A-12. Average Quarterly Expenditures in 2005 by Annual Income and Age:
Married Couples
^{Annual I}^nco^me:^{Under $30,000}^$30,0^{00 to $70,}⁰⁰⁰^{Above $70,000}
^Age:^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}
^Num^ber^(tho^usands)^1,03^{1 3,64}⁰^3,62⁸^4,46¹^5,01^{0 2,28}²
^{Total spending}
⁷⁵^th^per^centile^$9,82¹^$8,35⁸^$13,2²⁶^$12,1⁹⁹^$25,5⁷¹^$22,6²⁷
^{Median 6,73}⁷^5,90⁴^9,84⁵^8,94⁶^17,7⁹³^16,0⁵⁴
²⁵^th^per^centile^5,15¹^4,16⁵^7,48⁷^6,56⁹^12,8²⁷^11,6⁵⁵
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%^99.9%^100.^0%¹⁰⁰^%^11.7%
⁷⁵^th^per^centile^3,69^{8 2,85}³^4,66⁹^4,13⁹^8,79^{5 7,78}⁹
^Median^2,34^{6 1,71}²^3,11⁴^2,69⁶^5,41^{6 4,72}⁷
²⁵^th^per^centile^1,40^{2 1,09}⁴^1,96⁰^1,60²^3,64^{4 2,88}³
^Transp^ortation
^{Percent with s}^p^e^nding^95.3%^95.1%^99.1%^99.2%^99.8%^99.6%
⁷⁵^th^per^centile^1,86^{6 1,32}⁰^2,45¹^2,00²^4,05^{0 3,33}⁷
^{Median 1,04}⁸⁷¹³^1,55⁸^1,14⁹^2,53²^1,88²
²⁵^th^per^centile⁵⁹²³³⁰⁸⁴⁵⁶⁰⁰^1,41⁵^1,03⁰
^Food
^{Percent with s}^p^e^nding¹⁰⁰^%^99.9%¹⁰⁰^%^99.9%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^1,71^{0 1,44}⁰^1,75⁰^1,76⁵^2,63^{0 2,45}⁰
^Median^1,15^{6 1,01}⁵^1,33⁸^1,33⁰^1,89^{5 1,77}⁵
²⁵^th^per^centile⁷⁸⁰⁷¹⁵⁹⁸⁰⁹⁵⁰^1,40⁴^1,27⁶
^{Health care}
^{Percent with s}^p^e^nding^80.6%^94.1%^85.7%^97.2%^93.0%^98.7%
⁷⁵^th^per^centile^1,27^{9 1,58}⁵^1,25⁶^1,79⁹^1,43^{7 2,04}⁰
^Median^{660 1,01}⁸⁶⁷³^1,14⁸^{760 1,24}⁴
²⁵^th^per^centile^{236 589}³¹¹⁶⁹⁹^{383 732}
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
^Note:^{Married couples aged 55}^t^o^{64 include at least one}^pe^rson^{55 to 6}⁴^yea^{rs old and no one ov}^{er age 6}^4.
^{Married couples aged}^{65 a}^{nd older include at least one}^person^old^{er tha}^{n age 6}^4.

Table A-13. Average Quarterly Expenditures in 2005 by Annual Income and Age:
Unmarried Men
^{Annual I}^nco^me:^{Under $30,000}^$30,0^{00 to $70,}⁰⁰⁰^{Above $70,000}
^Age:^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}
^Num^{ber (tho}^usands)⁷⁵¹^2,35¹^1,07⁶⁸⁵⁷⁵⁶⁰³²⁶
^{Total spending}
⁷⁵^th^per^centile^$7,56²^$6,05³^$10,3⁶³^$9,29⁴^$20,5⁶⁹^$19,2¹⁸
^{Median 4,90}^4,11²^7,99⁰^6,45¹^14,0¹⁹^12,5⁸⁶
²⁵^th^per^centile^3,57^{0 2,81}⁰^6,08⁷^4,81⁵^10,0^{70 9,53}⁹
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^2,85^{7 2,22}⁸^4,03⁹^3,28²^6,91^{1 5,79}⁵
^Median^1,73^{5 1,39}⁶^2,73⁹^2,06⁸^4,69^{6 3,84}⁰
²⁵^th^per^centile^1,17¹⁹²⁷^1,77⁰^1,22⁸^2,29³^2,33⁸
^Transp^ortation
^{Percent with s}^p^e^nding^90.8%^90.0%^97.1%^96.4%^98.8%¹⁰⁰^%
⁷⁵^th^per^centile^1,41^{5 1,12}³^1,87²^1,68⁶^2,96^{7 1,99}⁵
^{Median 649}⁴⁷⁷^1,17⁸²¹^1,72⁵^1,43⁹
²⁵^th^per^centile^{321 190}⁵²³⁴¹⁰^{920 725}
^Food
^{Percent with s}^p^e^nding^96.9%^96.9%¹⁰⁰^%^99.1%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^1,29⁷⁹²⁶^1,48⁵^1,28⁹^2,14⁵^1,96⁵
^{Median 860}⁶²⁴⁹⁸³⁸⁹⁵^1,37¹^1,45⁰
²⁵^th^per^centile⁵⁸⁰⁴⁶⁸⁶⁹⁵⁶⁵⁰⁹³⁰^1,04⁵
^{Health care}
^{Percent with s}^p^e^nding^61.9%^90.1%^74.0%^95.9%^77.0%^97.9%
⁷⁵^th^per^centile⁸¹³⁷⁹²⁸⁷³^1,24³^1,18⁵^1,51⁶
^Median^{434 444}⁴⁰²⁶⁷⁵^{500 914}
²⁵^th^per^centile^{200 245}¹⁶⁹³¹⁰^{270 559}
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Table A-14. Average Quarterly Expenditures in 2005 by Annual Income and Age:
Unmarried Women
^{Annual I}^nco^me:^{Under $30,000}^$30,0^{00 to $70,}⁰⁰⁰^{Above $70,000}
^Age:^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}
^Num^{ber (tho}^usands)^2,02⁰^7,05⁵^1,64⁶^1,58⁹⁵⁵³⁴¹²
^{Total spending}
⁷⁵^th^per^centile^$6,65⁹^$5,43⁸^$11,5⁰⁴^$9,83¹^$20,5²²^$17,9⁵¹
^{Median 4,82}⁵^3,77⁰^8,71⁹^7,22²^14,8¹⁵^12,5⁸³
²⁵^th^per^centile^3,45^{2 2,69}⁵^6,39⁰^5,31¹^10,2^{20 9,91}⁴
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%^99.9%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^2,67^{3 2,35}⁰^4,34¹^3,91⁶^7,75^{5 5,20}⁰
^Median^1,87^{0 1,52}²^3,25¹^2,38⁰^4,67^{9 3,98}⁶
²⁵^th^per^centile^1,22⁰⁹⁵⁹^2,17⁸^1,58³^2,88¹^2,36⁸
^Transp^ortation
^{Percent with s}^p^e^nding^92.5%^76.3%^97.9%^96.0%¹⁰⁰^%^99.1%
⁷⁵^th^per^centile^1,38⁷⁷⁰³^1,95⁶^1,30⁴^2,99⁸^2,87⁰
^{Median 600}³⁵⁹^1,17³⁶⁸⁵^1,77²^1,69⁴
²⁵^th^per^centile²⁸⁵¹⁵⁸⁶²⁴³²⁰⁸⁰¹^1,00⁰
^Food
^{Percent with s}^p^e^nding^99.7%^98.6%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%^99.1%
⁷⁵^th^per^centile⁹⁹³⁸⁴⁵^1,42⁵^1,36⁶^1,97⁵^2,21⁰
^{Median 715}⁵⁸⁵⁹⁶³⁹⁴⁰^1,35⁰^1,46⁹
²⁵^th^per^centile^{455 416}⁶⁰⁰⁶⁵⁰^{830 941}
^{Health care}
^{Percent with s}^p^e^nding^76.1%^92.3%^85.8%^96.0%^94.3%¹⁰⁰^%
⁷⁵^th^per^centile⁷³³⁸⁹³⁸⁷⁵^1,15⁵^1,87⁰^1,55⁰
^{Median 328}⁵²³⁴⁷⁰⁷²⁸⁶⁰⁸^1,05
²⁵^th^per^centile^{153 267}²³⁵⁴⁰⁰^{326 600}
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Table A-15. Share of Total Expenditures by Category in 2005 by Income and Age:
Married Couples
^{Annual I}^nco^me:^{Under $30,000}^$30,0^{00 to $70,}⁰⁰⁰^{Above $70,000}
^Age:^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}
^Num^ber^(tho^usands)^1,03^{1 3,64}⁰^3,62⁸^4,46¹^5,01^{0 2,28}²
^{Total spending}
⁷⁵^th^per^centile^$9,82¹^$8,35⁸^$13,2²⁶^$12,1⁹⁹^$25,5⁷¹^$22,6²⁷
^{Median 6,73}⁷^5,90⁴^9,84⁵^8,94⁶^17,7⁹³^16,0⁵⁴
²⁵^th^per^centile^5,15¹^4,16⁵^7,48⁷^6,56⁹^12,8²⁷^11,6⁵⁵
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%^99.9%^100.^0%¹⁰⁰^%^11.7%
⁷⁵^th^per^centile^{46.8 42.1}^41.9^41.1^{41.7 41.8}
^Median^{33.7 30.8}^32.4^30.1^{31.0 30.7}
²⁵^th^per^centile^{23.6 22.6}^23.7^21.6^{23.3 20.8}
^Transp^ortation
^{Percent with s}^p^e^nding^95.3%^95.1%^99.1%^99.2%^99.8%^99.6%
⁷⁵^th^per^centile^{23.4 20.2}^22.9^20.3^{21.4 18.7}
^Median^{14.1 11.7}^15.2^12.9^{14.1 11.9}
²⁵^th^per^centile^{8.3 6.5}^9.3^7.5^{8.3 7.0}
^Food
^{Percent with s}^p^e^nding¹⁰⁰^%^99.9%¹⁰⁰^%^99.9%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^{22.7 24.3}^18.5^19.9^{14.4 15.2}
^Median^{16.1 17.5}^13.6^14.5^{10.8 11.4}
²⁵^th^per^centile^11.4^12.6^9.8^10.4^7.9^8.1
^{Health care}
^{Percent with s}^p^e^nding^80.6%^94.1%^85.7%^97.2%^93.0%^98.7%
⁷⁵^th^per^centile^{16.6 27.3}^11.4^20.5^{7.9 13.7}
^{Median 7.9}^16.7^6.4^13.1^4.0^8.1
²⁵^th^per^centile^{3.5 9.9}^3.0^7.8^{2.0 4.5}
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.
^Note:^{Married couples aged 55}^t^o^{64 include at least one}^pe^rson^{55 to 6}⁴^yea^{rs old and no one ov}^{er age 6}^4.
^{Married couples aged}^{65 a}^{nd older include at least one}^person^old^{er tha}^{n age 6}^4.

Table A-16. Share of Total Expenditures by Category in 2005 by Income and Age:
Unmarried Men
^{Annual I}^nco^me:^{Under $30,000}^$30,0^{00 to $70,}⁰⁰⁰^{Above $70,000}
^Age:^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}
^Num^{ber (tho}^usands)⁷⁵¹^2,35¹^1,07⁶⁸⁵⁷⁵⁶⁰³²⁶
^{Total spending}
⁷⁵^th^per^centile^$7,56²^$6,05³^$10,3⁶³^$9,29⁴^$20,5⁶⁹^$19,2¹⁸
^{Median 4,90}^4,11²^7,99⁰^6,45¹^14,0¹⁹^12,5⁸⁶
²⁵^th^per^centile^3,57^{0 2,81}⁰^6,08⁷^4,81⁵^10,0^{70 9,53}⁹
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^{54.2 50.9}^44.8^43.5^{45.6 40.3}
^Median^{41.4 36.5}^33.5^31.5^{32.1 28.4}
²⁵^th^per^centile^{26.8 26.3}^25.4^21.8^{19.3 21.9}
^Transp^ortation
^{Percent with s}^p^e^nding^90.8%^90.0%^97.1%^96.4%^98.8%¹⁰⁰^%
⁷⁵^th^per^centile^{22.2 22.7}^21.3^21.9^{20.1 16.1}
^Median^{13.4 11.7}^13.1^12.7^{13.1 11.3}
²⁵^th^per^centile^{7.2 5.4}^8.4^7.3^{6.2 5.3}
^Food
^{Percent with s}^p^e^nding^96.9%^96.9%¹⁰⁰^%^99.1%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^{24.1 23.4}^17.4^20.5^{13.9 16.8}
^Median^{17.8 17.0}^12.8^14.8^{9.8 11.1}
²⁵^th^per^centile^11.3^10.8^9.2^9.3^6.8^7.5
^{Health care}
^{Percent with s}^p^e^nding^61.9%^90.1%^74.0%^95.9%^77.0%^97.9%
⁷⁵^th^per^centile^{12.5 17.6}^9.3^17.3^{7.6 13.7}
^{Median 6.8}^11.6^5.1^10.2^3.8^7.2
²⁵^th^per^centile^{3.4 7.1}^2.1^5.5^{1.7 3.9}
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

Table A-17. Share of Total Expenditures by Category in 2005 by Income and Age:
Unmarried Women
^{Annual I}^nco^me:^{Under $30,000}^$30,0^{00 to $70,}⁰⁰⁰^{Above $70,000}
^Age:^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}^{55 to 64}^{65 and up}
^Num^{ber (tho}^usands)^2,02⁰^7,05⁵^1,64⁶^1,58⁹⁵⁵³⁴¹²
^{Total spending}
⁷⁵^th^per^centile^$6,65⁹^$5,43⁸^$11,5⁰⁴^$9,83¹^$20,5²²^$17,9⁵¹
^{Median 4,82}⁵^3,77⁰^8,71⁹^7,22²^14,8¹⁵^12,5⁸³
²⁵^th^per^centile^3,45^{2 2,69}⁵^6,39⁰^5,31¹^10,2^{20 9,91}⁴
^Housing
^{Percent with s}^p^e^nding¹⁰⁰^%^99.9%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%
⁷⁵^th^per^centile^{52.9 54.9}^47.8^48.1^{44.2 42.7}
^Median^{40.8 41.6}^38.2^33.7^{35.0 28.9}
²⁵^th^per^centile^{29.5 30.3}^29.8^24.4^{25.2 17.7}
^Transp^ortation
^{Percent with s}^p^e^nding^92.5%^76.3%^97.9%^96.0%¹⁰⁰^%^99.1%
⁷⁵^th^per^centile^{22.3 15.5}^20.1^16.3^{18.4 18.1}
^{Median 12.8}^9.0^13.6^9.1^11.7^11.0
²⁵^th^per^centile^{6.7 4.5}^7.8^4.9^{7.0 6.3}
^Food
^{Percent with s}^p^e^nding^99.7%^98.6%¹⁰⁰^%¹⁰⁰^%¹⁰⁰^%^99.1%
⁷⁵^th^per^centile^{20.9 23.1}^15.9^18.8^{12.8 17.1}
^Median^{15.2 16.4}^11.0^13.3^{9.0 10.4}
²⁵^th^per^centile^9.6^10.9^7.7^8.9^6.4^6.8
^{Health care}
^{Percent with s}^p^e^nding^76.1%^92.3%^85.8%^96.0%^94.3%¹⁰⁰^%
⁷⁵^th^per^centile^{13.0 21.6}^9.5^15.9^{8.7 12.6}
^{Median 6.7}^13.3^5.2^9.8^4.7^7.4
²⁵^th^per^centile^{3.3 8.3}^2.6^5.5^{2.3 4.0}
^Source:^{Congressional Researc}^h^{Service analysis of the}²⁰^{05 Con}^sumer^Ex^penditu^{re Surve}^y.

^P^a^tr^ick^P^u^r^cell
^Specialis^{t i}ⁿ^In^co^m^e^Secu^rit^y
^ppu^rcel^l^@^crs^.^l^o^c.g^o^v^,⁷^-⁷⁵⁷¹