How long does this quiz take?

It takes about five minutes to complete.

Are my responses private?

Yes, all answers are anonymized and confidential.

Can I take this test more than once?

Yes, you can retake the test any time to see how your results may have changed.

Will this quiz tell me if I'm bad with money?

It won't judge you, but it will highlight areas where your financial behaviors might be improved to increase your security and reduce stress.

Can my results help me save more money?

Yes, by identifying specific gaps in your financial management (like budgeting or tracking expenses), you can pinpoint exactly where to focus your efforts.

Assess your financial habits to improve your long-term security and mental well-being.

Financial Management Behavior Scale

Is your money management causing you stress?

By Mark Travers, Ph.D. | Last Updated: December 18, 2025

Reviewed by Jourdan Travers, LCSW

Financial independence is a major milestone, but the daily decisions required to maintain it can often feel overwhelming. From budgeting to investing, the choices we make with our money are inextricably linked to our mental health. This Financial Wellness Test is designed to give you a clear picture of your current financial behaviors and how they might be impacting your overall peace of mind.

Inspired by the scientific Financial Management Behavior Scale, this assessment covers key areas such as cash flow management, credit usage, savings, and insurance coverage. Unlike a simple math test, this quiz looks at the behavioral side of money—how often you actually perform the actions that lead to stability. It helps discern between healthy financial routines and behaviors that may be leaving you vulnerable to anxiety or self-doubt.

While this test provides valuable insights, it is not a substitute for professional financial planning. However, it is a great first step toward clarity. If you are interested in exploring how money intersects with your relationships and habits, you might also want to take our Financial Infidelity Scale or the Excessive Buying Scale to dig deeper into your financial psychology.

Frequently Asked Questions

How long does this quiz take?: It takes about five minutes to complete.
Are my responses private?: Yes, all Financial Management Behavior Scale answers are anonymized and confidential.
Can I take this test more than once?: Yes, you can retake the test any time to see how your Financial Management Behavior Scale results may have changed.
Will this quiz tell me if I'm bad with money?: It won't judge you, but it will highlight areas where your financial behaviors might be improved to increase your security and reduce stress.
Can my results help me save more money?: Yes, by identifying specific gaps in your financial management (like budgeting or tracking expenses), you can pinpoint exactly where to focus your efforts.

Financial Wellness Test: Take The Quiz

Step 1: Rate Your Financial Habits

For each statement, indicate how likely you are to engage in the behavior on a scale of 1 (Never) to 5 (Always). For best results, answer honestly and trust your first instinct.

1. Do you maintain adequate property insurance (e.g., auto or homeowners)?

2. Do you maintain adequate life insurance coverage?

3. Do you comparison shop before purchasing a product or service?

4. Do you pay all of your bills by their due date?

5. Do you keep a written or electronic record of your monthly expenses?

6. Do you stay within your established budget or spending plan?

7. Do you pay off your credit card balance in full every month?

8. Have you begun or maintained an emergency savings fund?

9. Do you save a portion of money from every paycheck?

10. Do you save for long-term goals such as a car, education, or home?

11. Do you contribute money to a retirement account?

12. Do you buy bonds, stocks, or mutual funds?

13. Do you maintain an adequate health insurance policy?

14. Do you review your bank or credit card statements for accuracy?

Step 2: Enter Your Demographics

Provide your age, gender, region, and first name for a detailed report comparing your results to others.

What is your age?

What is your gender?

What region of the world do you live in?

What is your first name?

Step 3: Submit Your Financial Management Behavior Scale Answers

After completing all questions, click below to send your responses to Mark Travers, Ph.D. All answers are anonymized and confidential.

References

Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43-59.

Disclaimer

This scale is designed for educational purposes and is not a substitute for professional diagnosis or treatment.