When you get unexpected extra money (a bonus, refund, or gift), your first instinct is to:
A. Spend it on something fun before it disappears
B. Ignore it and hope it sorts itself out
C. Use it for a spontaneous experience or trip
D. Carefully decide where every dollar should go
E. Assume it will cover something later and move on
F. Use it to help someone else or treat loved ones
G. Buy something comforting or rewarding “just for you”
Your credit card statement arrives. You:
A. Scroll quickly, mostly remembering the fun purchases
B. Leave it unopened for a few days (or weeks)
C. Laugh and think, “Well, at least I enjoyed myself”
D. Review every charge closely and feel tense
E. Forget to check it at all
F. Focus on the gifts or meals you covered for others
G. Feel surprised by how much you spent while emotional
A friend invites you to an expensive last-minute event. You:
A. Say yes immediately — you don’t want to miss out
B. Avoid responding until the last possible minute
C. Go, figuring money will work itself out
D. Say no because it wasn’t planned or budgeted
E. Say yes without thinking through the cost
F. Offer to pay or chip in more than expected
G. Go if you’ve been feeling stressed or down
When you think about budgeting, you feel:
A. Bored — life should be fun
B. Overwhelmed — it’s too much
C. Trapped — structure kills freedom
D. Relieved — rules feel safe
E. Confused — you’ll figure it out later
F. Guilty — money should help others first
G. Resistant — spending helps you cope
You’re stressed after a long day. Your most likely response is to:
A. Treat yourself to something exciting
B. Distract yourself and avoid thinking about money
C. Do something spontaneous to feel alive
D. Recheck your finances for reassurance
E. Daydream about a better future instead
F. Do something kind or generous for someone else
G. Shop online or browse for comfort
Your savings account looks lower than you expected. You:
A. Shrug it off — memories matter more
B. Avoid looking too closely
C. Assume it’ll bounce back somehow
D. Panic and tighten control immediately
E. Forget to address it
F. Feel bad spending money on yourself
G. Feel embarrassed and emotionally unsettled
When someone asks to borrow money, you usually:
A. Say yes if it keeps the vibe positive
B. Feel anxious and delay responding
C. Say yes — money comes and goes
D. Say no unless it’s perfectly planned
E. Agree without really thinking it through
F. Say yes even if it hurts you financially
G. Say yes to avoid uncomfortable feelings
Your relationship with money growing up was best described as:
A. Fun but inconsistent
B. Stressful or unspoken
C. Unstructured and spontaneous
D. Strict or tightly controlled
E. Disorganized or unclear
F. Centered on sacrifice and helping others
G. Emotional or tied to comfort
When a bill is due, you usually:
A. Pay it but don’t love thinking about it
B. Put it off as long as possible
C. Pay it when you remember
D. Pay it early and double-check it
E. Forget until there’s a reminder
F. Pay others’ bills before your own
G. Feel anxious while paying it
Spending money makes you feel:
A. Excited and energized
B. Nervous and avoidant
C. Free and alive
D. Tense and cautious
E. Detached or unconcerned
F. Loving and connected
G. Temporarily relieved
If you had to describe your financial style in one word, it would be:
A. Fun
B. Avoidant
C. Spontaneous
D. Controlled
E. Hopeful
F. Generous
G. Emotional
When you imagine your financial future, you mostly feel:
A. Excited about experiences
B. Anxious and unsure
C. Optimistic but unplanned
D. Concerned about safety and control
E. Dreamy and vague
F. Focused on supporting others
G. Up and down emotionally
When money problems arise, your instinct is to:
A. Distract yourself with fun
B. Pretend it’s not happening
C. Trust it’ll work out
D. Take tighter control
E. Push it to the future
F. Put others first anyway
G. Soothe yourself through spending
Deep down, your biggest fear about money is:
A. Missing out on life
B. Facing it at all
C. Losing freedom
D. Losing control
E. Having to deal with reality
F. Letting others down
G. Feeling uncomfortable emotions
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