What type of financial attitude do you have?

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What type of financial attitude do you have?

The following quiz is informed by your thoughts, feelings, behaviours and history with money to determine your current attitude towards finance. You can learn more about why your financial attitude is linked to your financial wellness by watching this video. The results are presented as sex working characters who embody a financial attitude.

Some experts have argued that your financial attitude is more of an indication of financial wellbeing than the actual size of your income.

The two axes upon which we can think, feel and act on finance can be simplified to 'good/bad' and 'safe/risky'. Understanding where you sit between these axes can help you identify the inherent strengths and weakness with your current mindset. With this insight, you are better equipped to play to your strength and cultivate a 'master' attitude. You can view this concept here.

Before you begin this exciting journey of self-discovery, please keep in mind that Bigger Sister Channel's goal is not to label people. Our financial attitudes are complex and dynamic, we are never only one type. This quiz just helps us make sense and frame our own understanding of ourselves.

Also, while this quiz was designed with great care and attention, it is not a professional assessment. So, have fun with it and don't take the results too seriously.

Your parents approach to money was...

Think of your primary caregiver when answering this question. If in doubt, go with the answer you felt first drawn towards.

Meticulous, calculated, strict, always looking for a better deal

Stressed, restrictive, worried, never enough money

Had debt, happy to spend money, not too serious

Love to spoil, gave me whatever I wanted, money didn't matter

Measured, fair, reasonable, regimented but not suffocating

Chaotic, hard to understand financial decisions, not consistent

What do you think about money?

You can choose more than one answer. If in doubt, go with the answer you felt first drawn towards.

Money is the root of all evil

Money can buy happiness

Money comes and goes

Money stresses me out

Money is a tool

I don't have any fundamental thoughts about money

How do you feel about your money?

You can choose more than one answer. If in doubt, go with the answer you felt first drawn towards.

Good, I like spending it

Suspicious, I don't like being jibbed

Indifferent, money doesn't matter

Stressful, I don't know how to spend it

Confident and in control

Uneasy, but I always land on my feet

Besides necessities like food, clothing and shelter, what do you spend most of your cash on?

If in doubt, go with the answer you felt first drawn towards.

Whatever I want in the moment

Taking care of myself or my friends/family

I couldn't confidently say, I just pay as I go

I try not to spend my money, I'd rather save

I'll distribute the money according to my financial/life goals

All of the above

Has your approach around personal finance changed over time?

If in doubt, go with the answer you felt first drawn towards.

Yes, I've improved over time and continue to learn

Yes, but only because my situation has changed and I've had to adjust

Not really, I stick to what I know

Not fundamentally, I still don't know how to approach my finances

Yes, I spend a lot of money because I can now

Yes, I try to use my money for good reasons

What are you more likely to do when it comes to your money?

If in doubt, go with the answer you felt first drawn towards.

What I think is right

What others thinks is right

What others need me to do

What I need to do

How do you usually make financial decisions?

If in doubt, go with the answer you felt first drawn towards.

I consider all options and make the sensible choice

I go with my gut

I ask for advice and/or avoid decision-making for myself

I research until I find the cheapest option

I just do what needs to be done there and then

I consider the impact my decisions have on other people

Have you experienced any trauma (that impacted your finance to some degree) that impacts your judgement to this day?

This can be trauma like a death, a health issue, financial abuse, domestic violence etc. If in doubt, go with the answer you felt first drawn towards.

Not really! I've dealt with it as best I can

Yes, I now feel stressed and unsure around money

Yes, but I refuse to care about money anymore

Yes, I'm very controlling now

How did/do you receive financial education?

If in doubt, go with the answer you felt first drawn towards.

Varying sources, but I now educate myself and update my knowledge

I'm subscribed to get deals, discount, and look out for specials

I follow the trends and what other people are doing

I don't have any financial education, I just do what my parents did mostly

I'm not invested in any financial education, I learn as I go

You are walking through a mall to go grocery shopping. You see a donation stand for a cause you care about, a sale at your favourite store, and a once-off competition at a store to win instant prizes. What do you do?

If in doubt, go with the answer you felt first drawn towards.

Make sure I give a donation along the way

Stick to my budget and only do grocery shopping

Test my luck, enter the draw at the store giving instant prizes

Feel very overwhelmed and confused by all the options

If my budget allows, I'll treat myself to one of the extra options

Depends on my mood

Go into my favourite store and check out the sale

How would your friends describe your spending habits?

If in doubt, go with the answer you felt first drawn towards.

Blase and simultaneously overwhelmed

Generous and giving

Impulsive and unconcerned

Frugal, sometimes stingy

Mature, considerate, stable and honest

Unpredictable and chaotic

Do you think your cultural background has impacted your perspective around money?

You can choose more than one answer. If in doubt, go with the answer you felt first drawn towards.

Yes, my culture encouraged personal responsibility with money

Yes, I'm aware of how my culture has impacted me and am actively working to update my perspective to align with the times

I don't feel I have a culture, so I'm not sure

Yes, but there was mixed messages that's confused me and makes me anxious thinking about money

Yes, my culture values money as a collective resource

No, I just do what I want

You Are {result #1 percent} Messy Jessie

You're a Messy Jessie and this means you have a 'Worriers' attitude towards finance. A worrier is someone who, regardless of how much money they have, are constantly worried about money and finances. The thought of money management induces stress and anxiety and often lack confidence in ability to achieve financial freedom. Generally speaking, a Messy Jessie thinks of money as 'bad' and their experience with money dictactes their feelings of safety.

A Messy Jessie may have already personally experienced hardship, or you may have witnessed your primary caregivers stressing about finances. Your lack of confidence means you might not know how to use specific financial skills and avoid taking authority over your own finances. As well as worry, anxiety and stress, financial worriers also experience heightened negative emotions such as fear, guilt, or shame relating to money. You can read more about your character here.

You are never just one character. You're also...

{result #2 percent} Risky Misty. Learn more about the strenghts and weaknesses of Risky Misty.
{result #3 percent} Prue the Shrewd. Learn more about the strenghts and weaknesses of Prue the Shrewd.
{result #4 percent} Good-Girl Pearl. Learn more about the strenghts and weaknesses of Good-Girl Pearl.
{result #5 percent} Queen Bae. Learn more about the strenghts and weaknesses of Queen Bae.
{result #6 percent} Chaotic Katie. Learn more about the strenghts and weaknesses of Chaotic Katie.

Our financial attitude changes over time, and we can consciously improve our perspective with intention and action, and you can learn more here. If you'd like to learn more about Messy Jessie, and what they needs to do to orient to be more like Queen Bae the 'Master-Minded' you can read about them here.

You Are {result #2 percent} Risky Misty

You're a Risky Misty, and that means you have the mindset of a 'Risk Taker'. A Risk Taker is someone who is more impulsive, and gets a thrill by jumping into financial challenges and taking big risks. Risky Misty's often excited by the possibilities of an idea rather than the idea itself, and rarely consider any risk too big. You approach finances with a more optimistic outlook and are willing to take big risks with the possibility of a big reward. You aren’t always motivated purely by money, your attitude can stem from your personality which seeks out excitement and adventure. You might be more comfortable with uncertainty, or even volatility.

There are some downfalls to a risk-taking attitude though. You might not know when enough is enough, or when you're in too deep. Taking big risks means there’s potential not just in big rewards but for big losses that you might not be able to financially recover from. You can learn more about your character here.

You are never just one character. You're also...

{result #1 percent} Messy Jessie. Learn more about the strenghts and weaknesses of Messy Jessie.
{result #3 percent} Prue the Shrewd. Learn more about the strenghts and weaknesses of Prue the Shrewd.
{result #4 percent} Good-Girl Pearl. Learn more about the strenghts and weaknesses of Good-Girl Pearl.
{result #5 percent} Queen Bae. Learn more about the strenghts and weaknesses of Queen Bae.
{result #6 percent} Chaotic Katie. Learn more about the strenghts and weaknesses of Chaotic Katie.

Our financial attitude changes over time, and we can consciously improve our perspective with intention and action, learn how here. If you'd like to learn more about Risky Misty, and what they needs to do to orient to be more like Queen Bae the 'Master-Minded' you can read about them here.

You Are {result #3 percent} Prue the Shrewd

You are Prue the Shrewd, and this means you have what is known as a frugal attitude towards money. You are the type of person who loves money and hates spending it. A Prue never passes up a good deal, you're thrifty and you know where to find the best deals and get pleasure from saving rather than spending.

Shrewdy prudes like you aren’t overly concerned with keeping up with current trends, and you are generally more conservative by nature, very rarely taking big risks with money, purchases or investments. However, a Prue can be quite creative in the ways we come up with making money and staying on budget. Prue the Shrewds have a natural disposition towards financial literacy and a good understanding of different financial products and services on the market. Prue the Shrewds rarely spend money impulsively, and you’re probably also more organised, responsible and trustworthy with finances and very seldom in debt. Shrewds prioritise long-term planning and financial security over impulse buying or immediate gratification. This is a strength for those with frugal mindsets, but there's more to money than just getting the best deal.

The downfall for Prue's is sometime you can focus too much time and energy on saving and forget to actually enjoy the benefits of your good management skills. You might lack spontaneity in your financial live, and resist spending money even if we can afford to. This can effect other areas in your life, like your friendships and romantic relationships.

The line between thrifty spending and being a financial worrier (like Messy Jessy) is fine and it could be very easy to slip into the attitude of a worrier if the financial pressure becomes too much. You can read more about your character here.

You are never just one character. You're also...

{result #2 percent} Risky Misty. Learn more about the strenghts and weaknesses of Risky Misty.
{result #1 percent} Messy Jessie. Learn more about the strenghts and weaknesses of Messy Jessie.
{result #4 percent} Good-Girl Pearl. Learn more about the strenghts and weaknesses of Good-Girl Pearl.
{result #5 percent} Learn more about the strenghts and weaknesses of Queen Bae.
{result #6 percent} Chaotic Katie. Learn more about the strenghts and weaknesses of Chaotic Katie.

Our financial attitude changes over time, and we can consciously improve our perspective with intention and action, you can learn how here. If you'd like to learn more about Prue the Shrewd, and what they needs to do to orient to be more like Queen Bae the 'Master-Minded' you can read about them here.

You Are {result #4 percent} Good-Girl Pearl

You are Good-Girl Pearl and have a 'Virtuous' financial attitude.

This means you're not afraid to spend money if it gets you what I want or value. People who are virtuous typically feel indifferent to money because they understand that money is inherently the root of all evil, and are therefore not overly driven by it. Because money is made up, Good-Girl Pearls understand that money shouldn’t influence important life decisions. This characteristic can be both healthy or detrimental, depending on your situation, which is why it is helpful to know what other financial attitudes there are.

Good-Girl Pearls rarely think of money, and when you do you see money as a means to an end. Because you believe money is inherently bad, you can be quite generous with your money if you have it, because you want to make everyone else happy. People like you have a good sense of justice and use money to further causes you believe in, whether that’s social issues, charity, friends or family. You don’t believe that large amounts of money will equate to personal happiness, which isn’t a bad trait to have, but it does mean there's a lack of motivation to proactively manage your finances. Because Pearl's are ideologically opposed to money, you're often limited in your desire to develop financial literacy and skills, and will only do so to serve others. Your belief isn’t necessarily wrong, but you can’t pretend that gaining further skills and tools to implement healthy financial changes is a bad thing, in fact it can be a very good thing because we lead by example. Good-Girl Pearl's have the capacity for strong financial literacy, you just need to learn how to treat yourselves, and your finances, the way you treat others.

Good-Girl Pearls like to prioritise personal experiences, relationships and pleasure over security, responsibility and stability and rarely allow finances to dictate your choices. The lack of concern means your spending is often more reactionary, because you generally don't have financial contingency plans for yourself.

It’s important to people like you that your financial choices are ethical and that’s exactly why you need to educate yourself with different financial services and products available, to better equip yourself with the tools to make smarter decisions. To learn more about your character, read this.

You are never just one character. You're also...

{result #2 percent} Risky Misty. Learn more about the strenghts and weaknesses of Risky Misty.
{result #3 percent} Prue the Shrewd. Learn more about the strenghts and weaknesses of Prue the Shrewd.
{result #1 percent} Messy Jessie. Learn more about the strenghts and weaknesses of Messy Jessie.
{result #5 percent} Learn more about the strenghts and weaknesses of Queen Bae.
{result #6 percent} Chaotic Katie. Learn more about the strenghts and weaknesses of Chaotic Katie.

Our financial attitude changes over time, and we can consciously improve our perspective with intention and action, learn how here. If you'd like to learn more about Good-Girl Pearl, and what they needs to do to orient to be more like Queen Bae the 'Master-Minded' you can read about them here.

You are {result #5 percent} Queen Bae

You are Queen Bae and you have a well-oriented financial attitude and are considered ‘Master-Minded’. But don’t let the name get to your head too much, Queen Bae's are not particularly special or exceptional, what makes you a Master-Mind is your flexibility.

Queen Bae's embody all financial attitudes (Worrier, Frugal, Thrifty, Risky and Virtuous), but the difference is that Queen's know when and why to tap into these attitudes. What makes you a master is that you know myself, you know what you don’t know and take action to mitigate the areas your lacking in. Similarly, you know what you're good at and you play to your strengths.

A master is someone who thinks about their future, knows where they want to be and has implemented a plan to get there. The master is someone with an attitude towards money that is positive and proactive, as you recognise the importance of personal responsibility and take appropriate steps to manage your money to align with not just your goals, but also your personal values.

The master attitude is what we all want to be working towards. Queen Bae is not necessarily the richest person in the room, that is not a measurement of your attitude, but your relationship with money and finances is healthy and positive. Just because you're a master doesn’t mean you're immune to mistakes or losses, but you have the skills and know-how to be resilient and adaptable regardless of what's thrown your way.

Queen's are rarely just born, most had to work for your crown and become a master. The aim for everyone is to improve their relationship with money and become a Queen Bae too.

You are never just one character. You're also...

{result #2 percent} Risky Misty. Learn more about the strenghts and weaknesses of Risky Misty.
{result #3 percent} Prue the Shrewd. Learn more about the strenghts and weaknesses of Prue the Shrewd.
{result #4 percent} Good-Girl Pearl. Learn more about the strenghts and weaknesses of Good-Girl Pearl.
{result #1 percent} Messy Jessie. Learn more about the strenghts and weaknesses of Messy Jessie
{result #6 percent} Chaotic Katie. Learn more about the strenghts and weaknesses of Chaotic Katie.

Our financial attitude changes over time, and we can consciously improve our perspective with intention and action, learn how here. Queen Bae's are also not the end-all solution, even you can improve your financial attitude if you improve on a few strengths, which you can read about here.

Chaotic Katie You Are {result #6 percent} Chaotic Katie

You are Chaotic Katie and you have a 'mixed' financial attitude. No single person fully embodies any one financial attitude, but you take this one step further and are a chameleon when it comes to your mindset. You change your mind depending on the the circumstance and have no fixed perspective about money.

Chaotic Katie's are reactionary, responsive people who usually engage in financial decisions, thoughts, feelings or behaviours when you are forced to. You are quick to think on your feet and don't necessarily respond to a financial situation in a 'bad' or 'wrong' way, you simply respond in the moment and as needed. This is a strong quality to have for a financial attitude, the ability to recognise and respond to financial factors is something each other attitude must incorperate, if they want to improve their financial attitude and be a 'Queen Bae' or 'Master-Minded'.

Chaotic Katie's have the greatest potential and flexibility to become 'Master-Minded', but because you are indifferent towards money, you don't have long-term financial goals (unless necessary), don't care to align your values to your financial development, are not motivated to improve your financial literacy and are generally 'winging it'. A Chaotic Katie is the inverse of Queen Bae, you both have the same strengths and skillsets that make you 'Master-Minded' the main difference is how you apply yourself.

Queen Bae's are proactive, know themselves, care about their financial future, want to improve themselves, understand the value of money, but most importantly, they recognise that their financial attitude must change depending on the circumstance or situation they are in. Chaotic Katie's have an even great disposition to understanding and recognising their enviroment and reacting in a timely manner, but you need to further this skill beyond the present moment. Should you apply yourself, you have the greatest prospects to improving your financial attitude.

You are never just one character. You're also...

{result #2 percent} Risky Misty. Learn more about the strenghts and weaknesses of Risky Misty.
{result #3 percent} Prue the Shrewd. Learn more about the strenghts and weaknesses of Prue the Shrewd.
{result #4 percent} Good-Girl Pearl. Learn more about the strenghts and weaknesses of Good-Girl Pearl.
{result #5 percent} Queen Bae. Learn more about the strenghts and weaknesses of Queen Bae.
{result #6 percent} Messy Jessie. Learn more about the strenghts and weaknesses of Messy Jessie.

Our financial attitude changes over time, and we can consciously improve our perspective with intention and action, you can learn how here. You can read more about how to improve your Chaotic Katie attitude here.