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Money personality test

Your habits with money say more about your financial future than luck does. Find your money type and the one habit that would help it most.

Your answers are scored in this tab. Nothing is uploaded, saved, or sent anywhere.

How well does each statement describe you? Answer as you usually are, not as you would like to be.

  1. I feel uneasy unless I have savings set aside.

  2. Buying something new gives me a real lift.

  3. I'm comfortable taking risks to grow my money.

  4. I rarely check my bank balance.

  5. I enjoy spending money on other people.

  6. I compare prices carefully before buying anything.

  7. I often buy things I don't really need.

  8. I read about investing, stocks or side businesses.

  9. Thinking about money stresses me, so I put it off.

  10. I find it hard to say no when friends or family need money.

  11. I track my spending regularly.

  12. I'd rather enjoy money now than worry about later.

  13. I see opportunities to make money that others miss.

  14. I don't really know where my money goes each month.

  15. I give to causes or people even when money is tight.

  16. Spending on luxuries makes me feel guilty.

  17. I sometimes shop to cheer myself up.

  18. I'd invest in a new idea if the upside looked big.

  19. I ignore bills until the last moment.

  20. Being generous matters more to me than being rich.

0 of 20 answered

About this test

Financial psychologists such as Brad Klontz describe money beliefs we absorb growing up, which quietly drive how we save, spend and invest. This quiz, written for cv.cm, sorts common habits into five money personalities.

No type is good or bad. Each has a strength to use and a blind spot to manage. This quiz cannot predict your fortune: it describes habits, and habits can change.

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FAQ

Can this test predict how rich I will be?

No. No test can predict fortune. It shows habits that tend to help or hurt your finances over time, which you can change.

What are the five money types here?

Saver, spender, investor (risk-taker), avoider, and giver.

Can I be more than one type?

Yes. The chart shows all five. Many people are, for example, a saver with a strong giver side.

What should couples do with their results?

Compare types. A saver and a spender together can balance each other if they agree on a shared budget.