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![Figure 1: A dot and whisker plot showing the unadjusted and income-age adjusted difference between small business owners and non-owners for seven metrics of income volatility. The y-axis is the seven metrics of income volatility: volatile income, any drop in income, difficulty paying bills, any unexpected expense, credit card late fees, more than 3 overdraft fees, and more than 3 NSF fees. The x-axis is the difference between small business owners and non-owners in percentage points. The line color is unadjusted or adjusted difference. The dot is the coefficient estimate and the whiskers are the confidence interval. The unadjusted difference in volatile income between small business owners and non-owners is 30.1 percentage points with a confidence interval of [22.9, 37.4], the adjusted difference is 32 with a confidence interval of [24.9, 39.1]. For any drop in income, the unadjusted difference is 20.6 with a confidence interval of [13.2, 28.1], and the adjusted difference is 23.1 with a confidence interval of [15.8, 30.5]. For difficulty paying bills, the unadjusted difference is -.5 with a confidence interval of [-7.9, 6.8], and the adjusted difference is 4.6 with a confidence interval of [-2.4, 11.6]. For any unexpected expense the unadjusted difference is 6.5 with a confidence interval of [0, 13.1], and the adjusted difference is 6.2 with a confidence interval of [-0.2, 12.7]. For credit card late fees, the unadjusted difference is 3.7 with a confidence interval of [-3.8, 11.3], and the adjusted difference is 3.5 with a confidence interval of [-3.4, 10.6]. For more than 3 overdraft fees, the unadjusted difference is 6.4 with a confidence interval of [0.1. 12.7], and the adjusted difference is 9 with a confidence interval of [2.3, 15.6]. For more than 3 NSF fees, the unadjusted difference is 4.8 with a confidence interval of [-0.4, 10.1], and the adjusted difference is 5.6 with a confidence interval of [0, 11.2].](https://hispanicbusinesstv.com/wp-content/uploads/2025/01/cfpb_the-financial-security-of-small-business-.width-800-330x220.png)
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