The Rich Life Money Quiz

Everything I teach comes back to one thing: the 3M Wealth Formula. It's simple, but it only works if all three pieces move together: Motivation, your why. Mindset, your beliefs. Mechanics, your system.

This quiz measures exactly that: which of the three M's is your biggest growth opportunity right now. Not so I can tell you what you're doing wrong, but so I can show you exactly where to start.

It's not how much you make.

It's how much you're keeping, and I'm gonna teach you how to keep even more of it. Because here's what I don't want for you: sacrificing everything at 47 just to be rich and miserable at 67. Nobody wants that. You should be able to fund your retirement and still enjoy the life you're living right now. That's the whole formula. Fund all three. Max none.

Ready? Let's find out where you stand.

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Which of these thoughts have you actually had?

I'm afraid to ask questions about my accounts because I feel like it's going to be a dumb question.

I feel like my advisor talks above me, not to me.

I don't want to wait until I retire to enjoy my money.

I have a hard time believing money will really stick around once I have it.

Be honest, which one sounds like you?

I feel like I should understand this by now.

I have a 401(k), I just don't know what's in it.

I don't want to be rich at 67 and miserable at 47.

I don't have a real system for my money, I just react to whatever happens each month.

What's true for you right now?

What if I put my money in the wrong thing?

I've read so many articles, I just don't know where to actually start.

I'm doing everything I'm supposed to and my life keeps getting smaller.

I couldn't tell you the actual 'why' behind most of my financial choices.

Which feeling do you know the best?

I get this pit in my stomach every time I transfer money to invest.

I don't even know what questions I'm supposed to be asking.

I want to enjoy my money now, not just someday.

I still feel guilty every time I spend on myself, even when I've saved carefully.

Pick the one that hits closest to home.

I don't want people to think I'm bragging if I talk about what I have.

I log into my account and immediately close the tab, it's too much.

I want to be able to show up for the people I love without calculating if I can afford to.

I couldn't tell you the difference between what's operating money, profit, or set aside for taxes.

Which of these have you thought more than once?

It feels like a club I was never invited into.

I have accounts from three old jobs and I've never touched any of them.

I'm saving for a life I'm not sure I'm actually living.

I feel like I'm chasing the next number instead of building toward something specific.

Which one is the most you right now?

I'm too embarrassed to admit I don't know what a ticker symbol is.

Everyone says something different, so I just do nothing.

I resent saving for retirement because it feels too far away to be real.

I compare where I'm at financially to people who seem further ahead, and it never feels good.

What's the loudest thought when you think about money?

I feel embarrassed that I'm 45 and still confused about my 401(k)

I don't know what a good portfolio is even supposed to look like.

Financial freedom feels like a vacation I'll take someday, not something I'm building now.

I don't check my net worth or track my progress in any consistent way.

Last one, be honest: which is true for you?

I'd rather leave it alone than risk doing the wrong thing.

There's so many tabs and numbers, I don't know what I'm even looking at.

I want my money to fund my life now and later, not just later.

Insurance, wills, protecting what I've built... I haven't thought much about any of it.