Money decisions are rarely just about numbers—they’re shaped by your needs, emotions, and values. This Financial Values Quiz is designed to help you understand why you spend the way you do and whether your financial habits truly support what matters most to you.
Inspired by Maslow’s Hierarchy of Needs and Scott Barry Kaufman’s modern framework of transcendence, this assessment views human needs not as a strict ladder, but as co-existing motivations that shape our daily choices. We may seek security, belonging, confidence, growth, emotional wellbeing, or purpose—often all at once—and our spending often reflects these needs, consciously or unconsciously.
This quiz explores three essential dimensions of your financial behavior:
1. What you believe you value.
2. How you actually spend your money
3. How you feel about past financial decision.
By examining these layers together, the assessment reveals areas of alignment—where your money supports your values—as well as gaps, where habits, pressure, or emotion may be pulling you away from what truly matters.
Understanding this alignment is a critical step in financial mindfulness. When your spending reflects your values, money becomes a tool for stability, connection, growth, and meaning. When it doesn’t, it can create stress, regret, or confusion.
This isn’t about judgment or perfection. It’s about awareness—so you can make more intentional, values-aligned financial choices moving forward.