---
title: "MONEY TALKS: Understanding Finances in the Orthodox Jewish Culture | Mispar"
description: Explore the financial culture of the Orthodox Jewish population. Discover insights into their unique approach to managing and navigating their finances.
image: https://mispar.co/hubfs/money%20banner%20300x175%20(1)-1.png
---

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# MONEY TALKS: Understanding Finances in the Orthodox Jewish Culture

![Dina Goldman](https://mispar.co/hubfs/Imported%20images/leadership.png)

### Dina Goldman

 Research Analyst

September 8, 2023 

•

 min read

![MONEY TALKS: Understanding Finances in the Orthodox Jewish Culture](https://mispar.co/hubfs/money%20banner%20300x175%20(1)-1.png)

 

We tapped into the broader Orthodox Jewish population, men and women of different affiliations and communities, in an effort to understand their money language and how they manage their finances. We gathered responses from [Jewish people](https://www.britannica.com/topic/Jew-people) across the world, including the United States, Canada, Europe, Israel, and all the way to far off Australia.

![Mispar Money Talks Global Survey Data](https://mispar.co/hs-fs/hubfs/mispar-money-talks-survey-data.png?width=5000&height=1482&name=mispar-money-talks-survey-data.png)

 Figure 1: Mispar Money Talks — Global Survey Geographic & Demographic Scope

 

## Household Income & Demographics

Approaching household incomes from all sides of the coin helped us gain a thorough understanding of Jewish family dynamics across the world. Below we compare family size, orientation, occupation, financial standing, and income bracket to get the most accurate portrayal and learn how different factors impact financial outcomes.

![Mispar Money Talks Income Brackets](https://mispar.co/hs-fs/hubfs/mispar-money-talks-brackets.png?width=5006&height=4674&name=mispar-money-talks-brackets.png)

 Figure 2: Mispar Money Talks — Income Brackets, Family Size & Financial Standing Comparison

 

## Financial Literacy & Education

There’s lots of talk about Jewish [financial education](https://www.investopedia.com/guide-to-financial-literacy-4800530), but little data. The insights below help us understand the depth and quality with which Jewish young men and women start off their financial paths.

![Mispar Money Talks Financial Education Spread](https://mispar.co/hs-fs/hubfs/mispar-money-talks-spread-3-1.png?width=5006&height=4069&name=mispar-money-talks-spread-3-1.png)

 Figure 3: Mispar Money Talks — Financial Literacy & Early Path Assessment

 

## Division of Labor & Luxury Purchases

We also tackled the division of labor between men and women across Orthodox Jewish communities, and the habits and frequency demonstrated when it comes to luxury purchases.

![Mispar Money Talks Division of Labor](https://mispar.co/hs-fs/hubfs/mispar-money-talks-4.png?width=5006&height=3738&name=mispar-money-talks-4.png)

 Figure 4: Mispar Money Talks — Division of Labor & Luxury Spending Habits

 

## Jewish Home-Ownership

It was astounding to learn about Jewish Home-Ownership. Based on the responses, there seems to be a strong emphasis on owning homes across different communities, income brackets, and household sizes.

![Mispar Money Talks Home Ownership](https://mispar.co/hs-fs/hubfs/mispar-money-talks-spread-2.png?width=5006&height=2503&name=mispar-money-talks-spread-2.png)

 Figure 5: Mispar Money Talks — Home-Ownership Rates Across Income Brackets & Household Size

 

## Finances & Marital Dynamics

In an effort to understand the impact of finances on Jewish marriage, we asked couples to rate their communication and shared values around money. A close look at the responses points out an interesting correlation between income and relationship dynamics.

![Mispar Money Talks Marriage & Finances](https://mispar.co/hs-fs/hubfs/mispar-money-talks-5.png?width=5006&height=3410&name=mispar-money-talks-5.png)

 Figure 6: Mispar Money Talks — Financial Communication & Marital Values

 

## Major Financial Concerns

We asked respondents to rate the level of concern they carry about significant expenses prevalent in the Orthodox community. What stood out most were responses from heavily populated Jewish cities, within the Tri-State area and beyond. Their big concerns include rising expenses like housing costs, food prices, tuition, high living standards, community trends, insufficient earnings, and employment opportunities.

![Mispar Money Talks Major Expenses Concerns](https://mispar.co/hs-fs/hubfs/mispar-money-talks-spread-2.2.png?width=5006&height=3428&name=mispar-money-talks-spread-2.2.png)

 Figure 7: Mispar Money Talks — Major Community Expenses & Inflationary Worries

 

## Lifestyle Spending Values & Priorities

With the intention to understand individual spending values and priorities, we asked Jewish men and women to rate the importance of different lifestyle expenses including travel, luxury purchases, investments, cleaning help, and more. It's interesting to note the distinctions between the choices of men and women. The emphasis on Maaser/tuition speaks to a core common Jewish value across the board.

![Mispar Money Talks Lifestyle Spending Values](https://mispar.co/hs-fs/hubfs/mispar-money-talks-last-page-1.png?width=5000&height=6751&name=mispar-money-talks-last-page-1.png)

 Figure 8: Mispar Money Talks — Lifestyle Expenses & Gender Values Breakdown

 

## Credit Card Management & Attitudes

We touched on the big topic of credit cards to understand peoples' attitude and approach around it. The responses vary from savvy users to those who strictly avoid it, and quite a number for whom credit cards prove to be detrimental.

![Mispar Money Talks Credit Card Management](https://mispar.co/hs-fs/hubfs/mispar-money-talks-last-page1.3.png?width=5000&height=2380&name=mispar-money-talks-last-page1.3.png)

 Figure 9: Mispar Money Talks — Credit Card Attitudes & Utilization Patterns

 

## Conclusion & Continued Conversation

Thank you for taking the time to delve into the insights made possible by a group of brave and honest survey respondents. The [power of data](https://mispar.co) allows us to learn, grow, and feel through facts and numbers, to understand others and what is true for them. Perhaps reading this has challenged you to think differently, or helped you understand some truths about yourself as well.

We invite you to share your comments below and keep this conversation going!

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![Mispar Money Talks Study Footer](https://mispar.co/hs-fs/hubfs/mispar-money-talks-last-page1.2.png?width=5000&height=598&name=mispar-money-talks-last-page1.2.png)

 Figure 10: Mispar Money Talks — Study Footer & Credits

Topics: [Jewish People](https://mispar.co/insights/topic/jewish-people) [Money Talk](https://mispar.co/insights/topic/money-talk) [Managing Finances](https://mispar.co/insights/topic/managing-finances)

![Dina Goldman](https://mispar.co/hubfs/Imported%20images/leadership.png)

### Written by Dina Goldman

Research Analyst

 Industry research analyst and strategist at Mispar, specializing in compensation benchmarks and market intelligence.

#### Article Overview

 Explore the financial culture of the Orthodox Jewish population. Discover insights into their unique approach to managing and navigating their finances.

Published: Sep 8, 2023  min read

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