Quantum Wealth

When you make a significant purchase, what is your dominant feeling?

A sense of empowerment and deliberate choice; I've planned for this

A fleeting thrill, often followed by a pang of guilt or anxiety.

A feeling of necessity or filling an emotional void; it feels like self-care.

Nervousness; I worry it's the "wrong" decision and often procrastinate.

Your bank statement is best described as:

A clear map of my priorities, with spending aligned to my values

A source of monthly surprise, with regular "Where did it all go?" moments

A reflection of my life's ups and downs; spending increases when I'm stressed

A document I avoid; opening it creates immediate feelings of overwhelm

The concept of a "budget" feels like:

A helpful tool for financial freedom and intention

A restrictive cage I repeatedly break out of

A necessary evil, but my emotions usually override it

A punishment or a reminder of my limitations

How do you primarily view debt?

A strategic tool for growth (e.g., a mortgage) to be used wisely

A normal, unavoidable part of modern life I've learned to accept

A heavy, shameful secret that weighs on me mentally

Something to be avoided at all costs, even if it limits my opportunities

Faced with an unexpected £500 expense, your first thought is to:

Pay for it from my emergency fund without stress

Put it on a credit card and worry about it late

Feel a surge of panic, as this would tip my fragile balance

Go without something else essential to cover it, avoiding debt

Your approach to existing debt is best described as:

I have a clear, active plan to manage and pay it down efficiently

I make minimum payments, but the total never seems to decrease

I feel so overwhelmed I sometimes ignore statements

I am debt-averse and have little to no personal debt

When considering asking for a raise or increasing your prices, you feel:

Confident; I know my value and can articulate it clearly

Anxious, but I'll push through it because I know I should

Deeply uncomfortable; I fear being seen as greedy or getting a "no."

Resigned; I don't believe there's much more money available for me

The statement that resonates most is:

I am fairly compensated for the value I provide

I probably could earn more, but it feels like a lot of effort

I often undervalue my work and end up feeling resentful

Wealth is for other people; I just need to get by

You see your "earning ceiling" as:

Something I can continuously raise through strategy and personal growth

A glass ceiling, limited by my employer or the market

A internal block, rooted in a feeling of not being "good enough"

A fixed reality based on my background or qualifications

The act of saving money regularly makes you feel:

Secure, powerful, and in control of my future

Responsible, but also like I'm missing out on life now

Anxious; it feels like I'm trapping money that could be used

It's a constant struggle; something always comes up.

Your savings are typically used for

Specific, long-term goals and a robust emergency fund

Short-term goals, but they often get dipped into for daily spending

Nothing in particular; it's hard to build them up enough to be useful

I don't have a savings buffer to speak of

You view money in a savings account as:

A dormant asset, part of a larger financial ecosystem

A safety net I hope I never have to use

A source of frustration, as it loses value to inflation

A distant dream given my current financial obligations

When you hear the word "investing," your immediate gut reaction is:

Opportunity and educated strategy

Confusion and a fear of making the wrong choice

Risk and the potential for devastating loss

Something for the already-wealthy, not for someone like me

If you received a £5,000 windfall, your first instinct would be to:

Research and allocate it across my investment portfolio

Put it in a high-interest savings account while I decide

Use it to pay off debts or for a necessary purchase

It feels too significant to risk; I'd keep it in cash

Your belief about building long-term wealth is:

It requires disciplined, strategic investment in assets

It's about slow and steady saving in the bank

It's a game rigged for City bankers; the little guy always loses

I've never truly believed it was a possibility for my future.