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Quizzes > Business & Finance

Am I Broke Quiz: Check Your Financial Health

Quick, free financial health quiz with instant results and practical tips.

Editorial: Review CompletedCreated By: Rohan TiwariUpdated Aug 23, 2025
2-5mins
Profiles
Layered paper cut icons of coins bills charts and quiz symbols on dark blue background

This Am I Broke quiz helps you see your financial health by looking at spending, bills, savings, and debt. You'll get fast results plus simple steps to cut costs and grow a safety net. Want a fuller picture? Compare your score with the am i rich quiz, explore where you fit with the am i middle class quiz, or check your habits with the am i materialistic quiz.

When an unexpected $200 bill shows up, what do you most likely do first?
Delay it, borrow, or juggle other bills to make space
Shift categories or dip into a tiny cushion to cover it
Use a small emergency fund and adjust next month's plan
Pay from a dedicated buffer with no disruption
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How would you describe your bill-paying system?
Mostly manual, sometimes late or pieced together
Some automation, but timing gaps still cause stress
Core bills automated, reviewed monthly
Fully automated with calendar checks and backups
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Your typical approach to credit cards is:
A lifeline to bridge essentials, balances often grow
Used for timing; sometimes carry a balance
Paid in full most months, tracked intentionally
Always paid in full; optimized for rewards and benefits
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How do you prepare for irregular costs like car registration or annual fees?
Hope timing works out and react when they hit
Cover them by trimming other areas that month
Maintain sinking funds for known irregulars
Sinking funds plus calendarized transfers months ahead
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What best describes your income vs. spending pattern?
Spending often exceeds income; catch-up happens later
Roughly even; a surprise can tip me negative
Consistent surplus most months
Clear, planned surplus directed to targets
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When you think about a starter emergency buffer, what is your mindset?
I can't spare anything; survival comes first
I try to build it, but it gets used often
I keep a modest, consistent buffer and refill as needed
I hold a robust cash reserve beyond basics
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How do you react to a smaller-than-expected paycheck?
Panic, then delay or borrow to cover essentials
Rearrange categories and pause non-essentials
Tap a mini-cushion and reschedule some goals
Use buffer/cash flow rules; long-term plan unaffected
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Your investment behavior right now looks like:
Not investing; cash flow is too tight
Occasional contributions, not always consistent
Regular contributions aligned to goals
Automated, tax-efficient investing with set targets
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How do you approach subscriptions and small recurring costs?
I avoid checking because cutting feels hard
I trim occasionally when money gets tight
I review and prune on a set schedule
I optimize usage, negotiate, and rotate by season
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Your debt payoff plan is best described as:
Make minimums and deal with interest later
Pay extra when possible, but not consistently
Structured plan (avalanche/snowball) in progress
Aggressive, automated, and integrated with investing
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I regularly skip reviewing my bank statements because it stresses me out.
True
False
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Automating key bills can reduce missed payments and late fees.
True
False
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Paying only the minimum on high-interest debt saves you money over time.
True
False
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Tracking irregular expenses helps prevent debt spikes when those bills arrive.
True
False
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Checking finances less often always improves spending control.
True
False
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Emergencies are so rare that it is wise to invest your entire safety net in volatile assets.
True
False
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High-interest debts generally deserve priority payoff compared to low-interest ones.
True
False
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Negotiating bills never works and is a waste of time.
True
False
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A small buffer (even $250-$500) can meaningfully reduce money stress.
True
False
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Sinking funds are just another name for retirement accounts.
True
False
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How do you handle overdrafts or near-zero balances?
They happen; I shuffle payments or borrow to reset
I pause spending and refill with next income
Rare; alerts and buffers help me course-correct early
Very rare; multiple safeguards prevent them
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When you get a small windfall, what is your default rule?
Use it to plug immediate holes
Split between needs and a small treat
Allocate by percentages to goals and debt
Predefined allocation across investments, funds, and fun
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Your budgeting style feels like:
Day-to-day decisions without a clear plan
A basic plan that I tweak when life happens
A structured budget aligned to values and goals
A streamlined system that mostly runs itself
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How often do you review insurance, beneficiaries, and protections?
Rarely, it feels overwhelming or not urgent
Occasionally, usually after a life event
Annually with a simple checklist
On a schedule with professional guidance as needed
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For big purchases, what is your typical funding approach?
Credit or payment plans to get it now
Delay some bills and catch up later
Save ahead in a dedicated sinking fund
Plan purchase timing around surplus and deals
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Which weekly money check-in sounds most like you?
I avoid it unless something urgent happens
I glance at balances and make quick fixes
I reconcile, review goals, and adjust categories
I run a dashboard and track net worth trends
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Your approach to income growth is:
Not a focus; survival mode takes priority
Take extra shifts or gigs when needed
Pursue targeted upskilling or certifications
Strategic career moves, leverage, or business building
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How do you treat non-essential spending when money feels tight?
I keep some to stay sane, even if bills slip
I reduce it temporarily to cover gaps
I pause and reallocate until stability returns
Non-essentials are pre-capped; easy to dial down
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How do you handle tax time?
Scramble and hope there is no surprise bill
Gather documents late; may owe or get a small refund
Plan with withholdings and set aside for known amounts
Optimize deductions, account placement, and timing
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Which statement best reflects your time horizon for money decisions?
Today to this week; next month is uncertain
This month to next; quarters are fuzzy
Quarterly to yearly with clear milestones
Multi-year strategy with periodic rebalancing
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Profiles

  1. Instant Noodler -

    You're surviving on instant noodles and coffee, with little to no savings buffer. The am I broke quiz shows it's time to map out a simple budget and cut one non-essential expense this week to kickstart your financial health.

  2. Coffee & Swipe -

    Your daily latte habit and spontaneous swipes at checkout are chipping away at your balance. According to this financial health quiz, setting a strict daily spending limit and tracking every purchase can help you regain control.

  3. Budget Buff -

    You've got a handle on essentials and stash a bit of savings each month, but splurges still sneak in. The how broke am I section suggests automating transfers to your emergency fund and rewarding yourself only when you hit new milestones.

  4. Cash Flow Captain -

    Your cash inflows and outflows are balanced, and you rarely dip into overdraft. The am I broke quiz outcome recommends exploring low-risk investments or side hustles to accelerate your wealth-building journey.

  5. Debt-Free Dreamer -

    You're crushing debt, padding your emergency fund, and feeling confident about future goals. This am I broke quiz result encourages you to challenge yourself with new financial targets - think long-term investments or charitable giving.

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