Free Financial Decision-Making Assessment - Evaluate Your Risk of Exploitation

The Decision-Making Fitness Assessment identifies traits that place a person at risk for poor financial decision-making or abuse. It is based on a study conducted at Massachusetts General Hospital.

Financial decision-making public

Your responses to all questions are anonymous. We ask for age and gender data only to help us understand broader relationships among age, gender, and financial decision-making capacity. We do not collect any identifying data other than what you enter in the optional "Who completed..." field below.

Information entered here e.g., 'Fred' or 'Mom' or 'Dad', will appear on the report that is generated upon completion of the assessment, enabling you to associate the report with the right person.
When it comes to making important financial decisions, in general, I...
When hiring people to do work around my house, I…
How often do you gamble for money? This includes casino or on-line gambling, sports betting, or wagers with friends.
How often do you reply to emails from people whom you do not know?
How often do you answer the phone and speak with someone whom you do not know?
How often do you buy “As Seen On TV Products”, i.e., those that you see advertised on TV and available for only a limited time?
How often do you give money in excess of $1,000 to people whom you know, e.g., family members, friends, business associates? This can include lending them money, paying their bills or gambling debts, funding their education, or making investments in projects they are proposing.
How often do you give money in excess of $1,000 to people whom you DO NOT know? This can include lending them money or making investments in or contributions to projects they are proposing.
Assuming you have no urgent financial obligations and you were offered a choice between receiving $1,000 now and $2,000 at some future date, what is the longest time period you would be willing to wait for the $2,000?
In the past year, have you experienced a loss of a loved one, a serious illness, or a move to a new location?
How often do you get lost driving?
Which number comes next in the sequence: 100, 93, 86, 79, …
Which number comes next in the sequence: 3, 6, 12, 24, …
Fred gave 6 people 7 apples each. After giving away these apples, he had 9 apples left. How many apples did he start with?

Look at this picture... then choose the set of "blocks" that would enable you to build this picture. The color of the "block" matters, and you can rotate the blocks as needed.

How would you rate your overall financial knowledge, including your understanding of stock and bond markets, mutual funds, investment strategies, etc.?
It is easy to pick individual company stocks that will generate higher than average returns
What is the best way for an average 25 year old to accumulate a retirement nest egg of one-half million dollars or more?
The term "diversification" means to:
Which of these typically provides the best financial returns in the long run?
Assume you have $1,000 in a savings account and the interest rate is 2% per year. After 5 years, how much would you have in the account if you never took any money out?
If your savings account pays an interest rate of 2% per year and the inflation rate is 3% per year. After 1 year, how much would you be able to buy with the money in the account?
Would you rather have one million dollars now, or a penny that doubles in value every day for a month?
When you buy a company's bond, you...
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