This study examines the lifestyle characteristics of on-line households. By means of a US national probability sample of on-line heads of households, this descriptive research is the first of its kind to provide a lifestyle perspective of who is using the Internet to shop, who does not shop, and why. It is hypothesized and shown that, compared with on-line nonshoppers, on-line shoppers are younger, wealthier, better educated, have higher computer literacy, spend more time on their computer, spend more time on the Internet, find on-line shopping to be easier and more entertaining, and are more fearful of financial loss from on-line shopping. The study further hypothesizes that on-line shoppers, and on-line nonshoppers, are heterogeneous groups comprised of particular market segments having unique Internet-related lifestyles. Four online shopper segments and four on-line nonshopper segments are identified. Each segment is profiled and its marketing implications discussed.