Your money archetype and behavioral tax

This is the short version of the Money Test: 33 questions about your context, income and financial habits. For a deep profile there is a full version of the test.

33 questions 1 report

Completed 0 of 33

Now: Block 1 of 3 · FA

FA0/10

PA0/8

FH0/15

Block 1 · Financial architecture of life

Context without which behavior cannot be read

Here we fix the basic configuration of your financial life: location, family system, reserve, debt, investments. This is not a “score” but a map of risks and supports.

FA1Living context

Where do you live now?

FA2System complexity

Your current family status:

FA3People you carry financially

Do you have children or people you support financially?

FA4Income stability

Your personal income is usually:

FA5Cushion / reserve

How would you best describe your financial reserve?

FA6Reserve structure

Where do you mainly keep your reserve / free money? (credit limits are not considered reserve)

FA7Debt picture

Do you currently have debts?

FA8Debt load

Approximately what share of your monthly income goes to debt payments?

FA9Investments / long term

Do you have investments or long‑term savings?

FA10Shock resistance

If tomorrow your income drops by 30%, how long can you live without new debt?

Block 2 · Professional architecture

How you earn and influence your income

Type of employment, number of income streams, hits to income and your sense of control over money.

PA1Employment format

Your main employment format:

PA2Number of sources

How many income sources do you have now?

PA3Income over the year

Your income over the last 12 months:

PA4Control over income

How much do you feel you can influence your income in the next 12 months?

PA5Reaction to a problem

When a financial problem appears, your typical reaction:

PA6Financial shocks

Have you had a major financial hit in the last 5 years?

(for example: relocation, war, job loss, loss of main breadwinner, expensive treatment, sharp income drop)

PA7Dependence on external factors

How much does your income depend on external factors you do not control?

PA8Overworking

How often do you have to work more than you can handle just to keep the financial situation afloat?

Block 3 · Everyday money habits

How you deal with money day to day

Tracking, impulsive spending, plan vs. reality, credit, avoiding numbers.

FH1Tracking expenses

I regularly track my expenses.

FH2Financial visibility

At the end of the month I usually clearly understand where the money went.

FH3Emotional spending

I buy small things to relieve stress or improve my mood.

FH4Postponing the cushion

I postpone building a cushion (reserve) because “now is not the time”.

FH5Credit card

I use a credit card for normal everyday expenses.

FH6Postponing decisions

I postpone big financial decisions even when I know the time has come.

FH7Financial self‑sacrifice

I give money to others even if it worsens my own situation.

FH8Plan without execution

I make a financial plan but do not follow it.

FH9Skipping savings

I postpone or skip regular investing / saving.

FH10Unexpected money

When “unexpected” money comes, I quickly spend it or scatter it without a plan.

FH11Reviewing small expenses

I review subscriptions and small recurring expenses.

FH12Rule for impulse spending

I have a rule how much I can spend impulsively without harming the plan.

FH13Other people’s money problems

I take on other people’s financial problems (for example, adult relatives, friends or close ones whom I am not obliged to support).

FH14Reading without implementing

I regularly study money topics but hardly change my financial behavior.

FH15Avoiding numbers

When things are bad with money, I avoid looking at the numbers.

You need to answer all 33 questions to get an accurate result.