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How Money Smart are You?

Think you’ve got your money game together? Let’s find out.
This quick 15-question financial assessment will show you how well you really manage your cash, decisions, and emotional spending habits.

It’s not a test; it’s a mirror.
You’ll discover whether you’re budgeting like a boss, winging it, or one impulse buy away from chaos.

After the quiz, you’ll get a score and a short breakdown of your “Money Smart” style.

Ready? Let’s see if your money habits match your confidence.

Welcome to your Money Smart Check!
Now grab your coffee and let’s see what you’re really working with.

Click the button below to start.

Start

Question 1 of 15

When you get paid, what’s the first thing you do?

A

Review bills and set aside savings

B

Handle what’s due, then see what’s left

C

Celebrate with a little “treat yourself”

Question 2 of 15

How often do you check your bank or budget app?

A

Weekly or more

B

Every few weeks

C

When something bounces or feels off

Question 3 of 15

Do you know your average monthly expenses?

A

Yes, down to the category

B

Roughly

C

Not really, money goes where it goes

Question 4 of 15

What’s your relationship with cash flow?

A

I keep a mental note

B

I track every inflow and outflow

C

I avoid looking until I have to

Question 5 of 15

How do you manage your monthly spending?

A

I mostly know what I can spend

B

I spend, then figure it out later

C

I follow a written or digital budget

Question 6 of 15

If a $500 surprise expense hits tomorrow…

A

Covered—my emergency fund’s ready

B

I’d juggle things or use a credit card

C

I’d be stressed and short

Question 7 of 15

Do you pay yourself first?

A

Always, savings comes off the top

B

Sometimes, if there’s money left

C

No, I focus on bills and whatever’s left is fun money

Question 8 of 15

How do you handle your bills?

A

Usually on time, sometimes late

B

Automated and on schedule

C

Last minute or missed more than once

Question 9 of 15

Before a big purchase, you…

A

Research, compare, and budget for it

B

Think on it for a bit, then buy

C

Buy now, worry later

Question 10 of 15

What’s your approach to debt?

A

Pay it down strategically (snowball or avalanche)

B

Make minimum payments consistently

C

Avoid looking at balances

Question 11 of 15

How do you feel about credit cards?

A

Useful tools when managed right

B

Necessary evil

C

Free money until it’s not

Question 12 of 15

Do you save for retirement or long-term goals?

A

Yes - 401(k), IRA, or other investments

B

I’ve thought about it but haven’t started

C

That’s “future me’s” problem

Question 13 of 15

When you’re upset or celebrating, what happens with your spending?

A

Sometimes I splurge, but I recover fast

B

Retail therapy is real

C

I stay consistent, feelings don’t control my wallet

Question 14 of 15

How does financial stress affect you?

A

I stress, but eventually handle it

B

I shut down and avoid it

C

I stop, plan, and adjust

Question 15 of 15

What’s your biggest money motivator?

A

Freedom and stability

B

Comfort and experiences

C

Impressing others or escaping stress

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