The Financial Agency Assessment

Two scores. The gap between them is the whole point.

Most money books hand you a quiz that scores what you know. This one scores something that actually predicts what you do. Take both halves, then look at the two numbers side by side.

Part 1

The test everyone gives

Three questions. The standard financial literacy check. Answer honestly.

1. You put $100 in an account that earns 2% a year and never touch it. After five years you have:

2. Your account earns 1% a year. Prices go up 2% a year. In a year, the money in that account buys:

3. Which is generally safer over time:

Part 2

The test almost nobody gives

Fifteen statements across the five shifts. There are no right answers here. Rate how true each one is of you right now.

Investor

The word "investor" feels like it describes someone like me.

When I hear about investing or the stock market, it feels like a room I'm allowed in.

I can start with a small amount and still count as a real investor.

Future self

I can picture a specific version of myself twenty years from now.

Putting away a little today feels worth it, even when the number looks tiny.

I trust that money left alone for a long time can grow into something that matters.

Good ancestor

What I do with money now is partly about the people who come after me.

I think about the example I'm setting for the kids in my life.

I want the next generation in my family to start further ahead than I did.

Generational wealth

The choices I make now can move my family's starting line, not just my own.

Wealth is something a family builds over time, not something you're born with or without.

I can name one financial move I could make this year that my grandchildren would feel.

Part of the economy

Programs and accounts like these are meant for families like mine.

When the government or a bank offers something, I assume I'm allowed to take part.

The economy is something I'm inside of, not something happening to me.

1 = Not at all like me5 = Exactly like me

Answer every question above to see your scores.