What's Your Money Personality? Take the Quiz

• By Fineducke Team

• 1721

• Last updated Nov 22, 2025

Your money habits say a lot about you. Answer a few simple questions and discover the money personality that fits you best.

What long-term financial goal excites you the most?

Achieving financial independence

Supporting an important cause

Moving to a better neighbourhood

Knowing you have enough for any situation

Traveling more

Having more time with people you care about

The bill arrives at a group lunch with friends. You're most likely to:

Wait to see who makes the first move

Ask for your own bill

Do nothing. (You've already cornered the server and settled up for your share)

Throw it all on your card

Suggest everyone splits it evenly

Pay for your order, and the meal of someone who just had a birthday

You get a new, better-paying job. What are you most likely to do when you first hear the news?

Spread the word on my social channels

Calculate what effect it has on my projected retirement date

Update my budget

Set myself a new goal

Call my best friend

Treat myself to dinner at my favourite restaurant

You feel most anxious when money conversations get into:

Practical necessities (like bills)

How you measure up to your peers

Issues of transparency

Keeping a budget

Factors beyond your control (like interest rates)

What you owe

You're looking for a new credit card. What matters most?

That two people can be on it

The interest rate

The loyalty program

The tier

The credit limit

The annual fees

6 You think of taking on a loan to make an important leap as:

Exciting

Strategic

Logical

Comforting

Scary

Suffocating

7 What scenario most closely represents your dream birthday dinner?

A low-key meal at your go-to neighbourhood cafe

Splurging on a meal at a hip new restaurant

A special meal cooked for you by your favourite person

A farm-to-table feast

Take-out from your favourite place

A large group dinner out

9 A friend asks you to sponsor their charity fun run, and you can't say no. How are you most likely to respond?

"Sure, do you have info on where the money goes?"

"Sure, and can I join you?"

"Sure, as long as I can do so anonymously"

"Sure, how can I see who else has donated?"

"Sure, and I'll see you at the finish line with ice packs!"

"Sure, will I get a tax receipt?"

10

The last thing you'd want to come across as in money conversations is:

Selfish

Unrealistic

Materialistic

Reckless

Cheap

Needy

11

After reaching a financial milestone, what would mean the most for you to hear?

"This is going to make a big difference"

"You've come so far"

"I'm really proud of you"

"You really covered all the bases"

"You made it"

"And you did it your way!"

12

You're shopping online for a new t-shirt. Beyond price, what clinches your decision to 'add to cart'?

Thinking of when and where you can wear it

It's from a sustainable brand

Lots of colours and cuts to choose from

The quality of the reviews

You know you'll feel great in it

Trust the brand

13

When you think about having extra money, you mostly feel:

Secure

Generous

Energized

Fulfilled

Motivated

Free

14

You learn a co-worker in a similar role earns more money than you. What do you do?

Try to act more like them

Take them for coffee and ask them to mentor you

Start advocating for pay transparency

Nothing. You only compete against yourself

Nothing. You don't want to rock the boat

Ask your boss for a raise

15

A cousin asks to borrow money from you. What's your first reaction?

"Sorry, I don't mix money and family"

"Are you in trouble?"

"When will you pay me back?"

"We're family, of course"

"What's it for?"

"Absolutely, and pay me back whenever"

16

Your top goal in saving money is to:

Help my friends and family

Feel peace of mind

'Level up' financially

Avoid owing anyone anything

Generally avoid it (You can't take it with you!)

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