Discover Your Financial Scenario

Every financial journey starts with understanding your current situation. Most people fall into one of three financial scenarios. This quiz will help you identify your current scenario and take steps toward financial independence.

Understanding your financial starting point is key. Here are the three scenarios:

Dependency: Expenses often equal or exceed income, sometimes leading to debt.
Care: Income exceeds expenses, allowing for savings and financial stability.
Independence: Long-term planning and investments create wealth and financial security.

Take the quiz below to understand your scenario and learn how to improve your financial habits.

Do your expenses usually exceed your income?

Yes, often Sometimes No, I save regularly

Do you have any savings or investments?

None Some, small savings Yes, actively invested

How do you plan your finances?

I don’t plan I budget monthly I plan for long-term growth

Do you track your spending regularly?

Rarely or never Sometimes, for major expenses Always, monthly review

Do you use credit to cover everyday expenses?

Often Occasionally, for emergencies Rarely or never

Do you have a savings buffer for unexpected expenses?

No Yes, 1–3 months of expenses Yes, 6+ months and growing

How would you describe your current debt situation?

High debts, struggle to pay Manageable debt Little to no debt

Do you have a long-term financial plan?

No plan Basic plan Detailed plan with milestones

How confident are you about your financial future?

Not confident Somewhat confident Very confident

How often do you educate yourself about personal finance?

Rarely or never Occasionally read articles or books Regularly study finance

Remember: Your financial future depends on the choices you make today. Identifying your current scenario is the first step toward financial independence.