Financial Assesment

How do you feel about managing your finances?

Confident: I enjoy budgeting and planning.

Comfortable: I do it because it’s necessary.

Neutral: I’m okay with it, but it’s not my favorite.

Anxious: It feels overwhelming.

When it comes to budgeting, you:

Follow a strict budget and track every dollar.

Set a budget but adjust as needed.

Keep a loose budget but don’t track closely.

Don’t really budget formally.

How do you prioritize saving money?

Very important: I save a set amount each month.

Important: I save when I can.

Somewhat important: I try to save but don’t focus on it.

Not a priority: I focus on spending for now.

When you have extra money, you’re most likely to:

Invest it in stocks, bonds, or other assets.

Add it to my savings or emergency fund.

Spend it on something I’ve wanted.

Treat myself and enjoy the moment.

How would you describe your spending habits?

Cautious: I try to avoid unnecessary expenses.

Moderate: I spend but stay within limits.

Impulsive: I buy things as they catch my interest.

Generous: I often spend on others more than myself.

When it comes to debt, you:

Avoid it as much as possible.

Use it cautiously and pay it off quickly.

Accept it as a part of life.

Don’t worry much about debt – it’s normal.

What’s your attitude toward credit cards?

A tool: I use them carefully and pay in full.

Handy: I use them but keep a close eye on the balance.

Useful: I carry some debt but manage it.

Unconcerned: I use them and pay when I can.

How often do you think about retirement savings?

Regularly: It’s a top priority for me.

Occasionally: I contribute but don’t focus on it.

Rarely: I have time to figure that out later.

Never: I haven’t thought about it much.

How on track do you feel when it comes to your retirement planning?

Very on track: I have a solid retirement plan and am confident in my progress.

Somewhat on track: I’m making progress but have some gaps to address.

Not very on track: I’ve started, but I feel behind or uncertain.

Not on track at all: I haven’t started planning for retirement yet.

How prepared are you for an unexpected expense, like a car repair or medical bill?

Very prepared: I have an emergency fund.

Somewhat prepared: I could cover it, but it’d be tight.

Not very prepared: I’d have to cut back elsewhere.

Unprepared: I’d need to rely on credit or loans.

How would you describe your approach to retirement planning?

Proactive: I have a detailed plan and regularly contribute.

Cautious: I’m saving but not very consistently.

Laid-back: I plan to figure it out as I go.

Minimal: I haven’t really started planning.

What’s your perspective on financial independence?

Essential: I work hard to be fully self-sufficient.

Important: I aim for it but feel okay with some help.

Flexible: I’m okay with support from others when needed.

Unnecessary: I’m comfortable with financial dependence.

How would you describe your level of stress when it comes to finances?

Very high: I feel stressed about finances most of the time.

Moderate: I feel stressed occasionally, but it’s manageable.

Low: I rarely feel stressed about finances.

Minimal to none: I feel very relaxed about my financial situation.

How much of a priority is working on getting your finances on track?

Top priority: It’s one of my main focuses right now.

Important: I’m actively working on it, but it’s balanced with other priorities.

Moderate: I think about it occasionally, but it’s not urgent.

Low priority: I rarely focus on it right now.