FinLab by TELWHA

Your money archetype and behavioral tax

This is a short version of the Money Test: 33 questions about your context, income, and financial habits. A full version of the test is available for a deeper profile.

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
The context without which behavior cannot be read

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

FA1Living context
Where do you currently live?
FA2System complexity
Your current family status:
FA3People you support
Do you have children or people you financially support?
FA4Income stability
Your personal income is usually:
FA5Safety cushion / reserve
Which description best fits your financial reserve?
FA6Reserve structure
Where do you mostly keep your reserve / free money? (credit funds do not count as reserve)
FA7Debt picture
Do you currently have debts?
FA8Debt load
Approximately what share of your monthly income goes to debt payments?
FA9Investments / long-term savings
Do you have investments or long-term savings?
FA10Shock resilience
If your income dropped by 30% tomorrow, how long could you live without taking on new debt?
Block 2 · Professional architecture
How you earn and influence your income

Employment format, number of income sources, 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 currently have?
PA3Income over the year
Your income over the last 12 months:
PA4Control over income
How much do you feel you can influence your income over the next 12 months?
PA5Reaction to a problem
If a financial problem arises, your typical reaction is:
PA6Financial hits
Have you had a major financial hit in the last 5 years?

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

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 sustain in order to hold your financial situation together?
Block 3 · Everyday financial habits
How you deal with money day to day

Tracking, impulse spending, planning and breaking the plan, credit, avoidance of numbers.

FH1Expense tracking
I regularly track my expenses.
FH2Financial visibility
By the end of the month, I usually clearly understand where my money went.
FH3Emotional spending
I buy small things to relieve stress or improve my mood.
FH4Putting off the safety cushion
I postpone building a safety cushion (reserve) because “now is not the time.”
FH5Credit card use
I use a credit card for regular everyday expenses.
FH6Postponing decisions
I postpone major financial decisions even when I understand the time has come.
FH7Financial self-sacrifice
I give money to others even if it worsens my own situation.
FH8A plan without following it
I make a financial plan, but I do not stick to it.
FH9Skipping savings
I postpone or skip regular investing / saving.
FH10Unexpected money
If “unexpected” money comes in, I quickly spend it or scatter it without a plan.
FH11Reviewing small expenses
I review subscriptions / small recurring expenses.
FH12Impulse spending rule
I have a rule for how much I can spend impulsively without harming my plan.
FH13Financial tension
Money regularly creates tension or a background feeling of anxiety in me.
FH14Money and relationships
Money often becomes a tense topic in relationships or in the family.
FH15Wave-like discipline
I go through waves: at times I control money very tightly, and at other times I drop out of the process completely.
Complete all 33 questions to receive your full profile, archetype, and action path.