Money Personality Test Step 1 of 12 8% Instructions: Please read each question carefully and select the answer that best represents your behavior, attitude, or preference in relation to money. At the end, tally your answers to determine which money type you are: Saver, Spender, Risk Taker, or Borrower. Question 1: When you receive a paycheck or unexpected money, what do you typically do with it?* A. Save or invest most or all of it B. Spend most or all of it on things I want or need C. Invest in high-risk, high-reward opportunities D. Use it to pay off debts or loans Question 2: How would you describe your attitude towards debt?* A. I avoid debt at all costs B. I don't mind having some debt as long as I can afford the monthly payments C. I'm willing to take on debt if it could potentially lead to greater wealth D. I often rely on debt to finance my lifestyle or investments Question 3: Which of the following best describes your approach to saving money?* A. I have a strict budget and save a portion of my income every month B. I save occasionally, but mostly spend my money on things I enjoy C. I prefer to put my money into high-growth investments rather than a savings account D. I find it difficult to save and usually spend more than I make Question 4: If you unexpectedly received $10,000, what would you do with the money?* A. Put it in a savings account or other low-risk investment B. Go on a shopping spree or take a luxurious vacation C. Invest in a high-risk, potentially high-return opportunity D. Pay off outstanding loans or credit card debt Question 5: How do you feel about budgeting?* A. I create and stick to a budget every month B. I have a loose idea of my budget, but I don't follow it strictly C. I don't budget – I prefer to focus on growing my income through investments D. I struggle to create and follow a budget Question 6: When faced with a financial decision, what is your primary concern?* A. Preserving and growing my wealth over the long term B. Maximizing my short-term enjoyment or comfort C. Pursuing opportunities with the potential for significant gains D. Meeting my immediate financial needs or obligations Question 7: How do you typically handle unexpected expenses?* A. Use my emergency savings fund B. Put it on a credit card and pay it off over time C. Look for a quick investment opportunity to cover the expense D. Take out a loan or borrow money from friends or family Question 8: What is your attitude towards investing in the stock market?* A. I prefer low-risk, conservative investments like bonds or index funds B. I don't invest much, as I would rather spend my money on things I enjoy C. I actively trade stocks and seek out high-growth opportunities D. I am not very familiar with investing and would rather focus on paying off my debts Question 9: How do you feel about sharing your financial situation with friends or family?* A. I'm comfortable discussing my finances and sharing tips on saving and investing B. I'm more likely to discuss my latest purchases or experiences than my savings habits C. I like talking about my investment wins and the potential for big returns D. I feel uneasy discussing my financial situation, especially if it involves debt Question 10: When planning for your financial future, what is your main focus?* A. Building a nest egg for retirement or other long-term goals B. Ensuring I have enough money to enjoy my desired lifestyle C. Pursuing aggressive investments with the potential for significant wealth D. Managing my debts and staying afloat financially Tally your answers, including the first six questions: Mostly A's: Saver – You prioritize long-term financial security and are disciplined in managing your money. Keep up the good work, but remember to occasionally enjoy the fruits of your labor. Mostly B's: Spender – You enjoy spending money on things that bring you happiness or comfort. Consider setting aside a portion of your income for saving and investing to secure your financial future. Mostly C's: Risk Taker – You are willing to take financial risks in pursuit of greater wealth. Be cautious not to overextend yourself, and make sure you have a safety net in case things don't go as planned. Mostly D's: Borrower – You often rely on debt to finance your lifestyle or investments. Focus on creating a budget, paying down your debts, and building healthy financial habits for a more secure future. Name* First Last Email* NameThis field is for validation purposes and should be left unchanged.