Well, it has the problem that people may answer surveys differently than the same question in real life. It looks like it tries to expose expected future earn

Well, it has the problem that people may answer surveys differently than the same question in real life. It looks like it tries to expose expected future earnings and risk (avoidance|tolerance). Did you mean that? If so, that relationship may show in asset allocation choices by people over their lifetime. Data from any tax firm would work.... Also, why focus on 20-year-olds with less than 250K? Have you already established that current net worth and/or age has a quantifiable impact on risk aversion? Patrick