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Last Name

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How do you feel about money? How do you feel about money? A. I don’t like thinking about or discussing the topic of money. It makes me uncomfortable. B. I constantly worry about money. C. I have control over my money. I feel confident about financial plan to achieve my goals.

How organized is your financial life? How organized is your financial life? A. It’s a source of anxiety for me. I don’t even know where all my financial documents are. B. I’ve thought about getting organized but haven’t had the time to do it. C. I know exactly where everything is. I regularly spend time organizing my financial life.

How much time do you spend each week taking care of your money? How much time do you spend each week taking care of your money? A. None. I don’t have time or interest to do so. B. I occasionally review my bank account and credit card statements. C. I dedicate at least 15 minutes each week to ensure I’m on track for my financial goals.

Do you think you can become an expert in taking care of your own money? Do you think you can become an expert in taking care of your own money? A. I don’t think so. Money is complicated and confusing. B. Maybe. But I’ve been told it’s best to leave it to professionals. C. Definitely. I’m already on my way. I know I can learn anything I put my mind to. Besides, no one is going to be as vigilant in taking care of my money than me.

How much of your income do you save every month? How much of your income do you save every month? A. I don’t have money left to save at the end of the month. B. I save some up to about 10% my income every month. C. I save well over 10% of income every month.

You get a surprise phone call. Your distant uncle left you $10,000 in his will. The money is being transferred into your account today. What do you do with the money? You get a surprise phone call. Your distant uncle left you $10,000 in his will. The money is being transferred into your account today. What do you do with the money? A. Woohoo! Shopping time!!! I finally get to buy me something nice. B. I would spend half the money and with use the other half to pay my bills or add to savings. C. Nice! I get to top up my retirement account with all that money.

What is your preferred shopping style? What is your preferred shopping style? A. Shopping gives me pleasure. I love going to the mall (or online) and buying whatever I want. B. I enjoy shopping but tend to shop occasionally. I like to buy nice things. C. I only shop with a purpose. First I decide what I need or want. I review my budget for it, and then I go shopping. I’m mindful with what I buy.

How is your personal credit rating? How is your personal credit rating? A. I don’t know. I’ve never checked. B. It’s not very good. I need to improve it but not sure how. C. I have excellent credit. I pay close attention it.

Which best describes your current monthly expenses? Which best describes your current monthly expenses? A. I have no idea what my monthly expenses are. I just try to pay the bills as they arrive. B. I know about what to expect with my bills. Some of my expense vary month to month quite a bit. If my income doesn’t cover the bills, I reduce my debt payments to make up the difference. C. I update my budget monthly. I know exactly what my monthly and occasional expenses are going to be in any given month. I set aside enough money each month to cover all my expense as well my savings plan.

Which of the following best describes the feelings you have about your current debt? Which of the following best describes the feelings you have about your current debt? A. I have more debt than I want. I make minimum payments on my credit cards. The debt causes me stress and anxiety about my finances. B. I don’t have a lot of debt but I do sometimes worry about my financial future. C. I do not have any debt and that’s the way I intend to keep it.

My most important financial goal for the next five years is best described as follows: My most important financial goal for the next five years is best described as follows: A. I will continue to have a steady income. I will be making more money in my job each year and will have a solid sanity (emergency fund) of at least 3-6 months’ worth of expenses. B. I will have my own home, or pay off my home, or start my own business. C. I will have a nice size nest egg for my retirement. I know exactly how much I need to retire and I’m actively working on saving it.

Your car suddenly broke down and you need $1000 in repairs today. How would you pay for the repairs? Your car suddenly broke down and you need $1000 in repairs today. How would you pay for the repairs? A. I will have to put it on my credit card or get financing/loan. B. I have enough money saved to cover the $1000 expense. C.I have a sanity fund which has 3-6 months’ worth of expenses for such situations. I would pay this with my credit card for convenience and points but would pay off the full balance immediately.

Do you have a retirement account of your own an/or other investments? Do you have a retirement account of your own an/or other investments? A. I do not have retirement or investment accounts. B. I have a retirement account. I make regular deposit but I don’t know if it’s enough. C. I have a retirement account which I maximize each month. I also have other investments to top up my savings.

How you picture your life when you retire? How you picture your life when you retire? A. I don’t know if I can afford to retire. B. I’m sure retirement will be fine. I don’t worry about it. I can always keep working part time. C. I’ll be absolutely fine financially. I will have enough money saved for my retirement. I may work to contribute but I won’t have to work to support myself in retirement.

Select the statement which best describes your retirement planning. Select the statement which best describes your retirement planning. A. I really don’t have a plan, but I assume government benefits will be there for me. B. My plan is to supplement government benefits by contributing to my employer retirement program. And maybe save a bit more on the side. C. I have calculated how much I will need for retirement and am working towards that number. I’m already pretty close to my savings goal.