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Am I Rich Quiz: Find Your Wealth Level

Quick, free How Rich Are You quiz. Instant results.

Editorial: Review CompletedCreated By: Terry Henry Tsen MoeUpdated Aug 23, 2025
2-5mins
Profiles
Paper art illustration for Am I Rich Quiz revealing financial style based on spending and lifestyle on dark blue background

This Am I Rich Quiz helps you gauge your wealth level by looking at your spending, saving, and lifestyle choices. Get instant results with a simple snapshot of your money habits and practical next steps. For more context, see the am i middle class quiz, explore what class am i, or take the am i broke quiz.

When a surprise bonus hits your account, what feels most satisfying?
Automate a higher investment contribution
Book a premium getaway or upgrade an upcoming trip
Plan a skills workshop or immersive experience
Add to emergency savings or pay insurance ahead
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Your ideal money dashboard emphasizes which single metric most?
Net worth growth and asset allocation
Discretionary spend available for lifestyle upgrades
Time available for experiences funded this quarter
Months of expenses covered by safe reserves
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At a crossroads between buying a rental property or a luxury car, you choose:
The rental, because it can pay you back over time
The luxury car, because daily joy matters now
Neither; I fund a long trip and a course to enrich life
Neither; I bolster liquidity and reduce risk first
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You think of compounding as:
A design principle for building assets systematically
A way to justify premium tools that save time now
A reason to invest in learning that pays experiences forward
A quiet force that works best with strong safety buffers
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When your rent increases, your first move is to:
Run a long-term buy vs rent analysis and adjust investments
Negotiate perks or upgrade to a place that improves daily life
Downsize to free up cash for travel and learning
Lock in a fixed-cost arrangement and pad the emergency fund
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Your phone dies and you need a replacement today. You pick:
A reliable model and invest the price difference
The flagship phone with top-tier features
A midrange phone and a photography workshop
A durable, budget model and extended warranty
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You receive a credit card offer. What excites you most?
Automated cash-back funneled into index funds
Premium lounges, upgrades, and concierge benefits
High-value points for off-peak adventures
Strong protections: purchase, return, and travel insurance
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How do you treat a tax refund?
Adjust withholding and deploy refunds to assets
Upgrade home comforts or wardrobe staples
Prepay for a course and a trip with friends
Fund sinking funds and boost insurance coverage
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Your approach to career earnings is best described as:
Maximize savings rate and invest systematically
Negotiate pay to support a higher-quality lifestyle
Design work around time freedom and exploration
Choose stable roles and benefits that reduce volatility
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Faced with volatile markets, your instinct is to:
Stay the course and rebalance by plan
Find deals on quality-of-life tech while others panic
Pause big purchases to protect travel plans later
Increase cash reserves and review risk exposures
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Your home setup budget goes first to:
A functional workspace that boosts productivity and ROI
Design elements and smart devices that feel luxurious
Flexible space for gatherings, hobbies, and learning
Safety features, warranties, and essential repairs
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A friend pitches a high-risk startup investment. You:
Allocate a small, defined percentage of portfolio if any
Join if perks or status align with your lifestyle
Only if it connects to a cause or community experience
Pass until you have ample buffers and coverage
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When choosing housing, which tradeoff wins?
Lower cost per square foot to free cash for assets
Prime location and finishes that elevate daily living
Smaller place near culture, trails, and community
Predictable payments with strong reserves for repairs
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How do you treat subscriptions and recurring services?
Audit quarterly and redirect savings to investments
Keep premium tiers that save time or add comfort
Retain only those that unlock new experiences
Cut nonessential ones to lower baseline expenses
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Selecting a car primarily means optimizing for:
Total cost of ownership and resale value
Features, brand, and ride quality you love
Road-trip comfort and mileage for adventures
Reliability, safety ratings, and insurance costs
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Vacation planning begins with:
Staying within a travel budget so investments stay on track
Upgrading flights and stays for maximum comfort
Crafting an itinerary rich in learning and connection
Ensuring travel insurance and contingency funds are set
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How do you define feeling wealthy on a weekday?
Watching automated investments execute while you work
Enjoying premium coffee, a sleek space, and convenience
Having time for a class, a hike, or dinner with friends
Knowing an emergency would be a nuisance, not a crisis
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Faced with a limited budget, you cut first from:
Non-asset purchases that do not compound
Only items that do not impact comfort and quality
Material goods before experiences with loved ones
Anything discretionary to extend runway and safety
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Your budgeting style is closest to:
Pay yourself first, then optimize categories
Spend purposefully on what sparks daily joy
Keep it loose to stay open to spontaneous plans
Envelope or rule-based to minimize surprises
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When debt appears, your priority is:
Lower interest costs and protect investing cadence
Preserve room for lifestyle comforts while paying it down
Avoid debt on experiences by planning and saving ahead
Eliminate high-interest balances swiftly to restore safety
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Your view on warranties and insurance:
Self-insure when math and reserves justify it
Insure items that maintain your lifestyle quality
Cover trips and events that would be costly to redo
Insure essential risks broadly for peace of mind
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I would rather automate saving and investing than chase every sale or coupon.
True
False
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An emergency fund makes all other insurance unnecessary.
True
False
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Luxury goods always appreciate in value over time.
True
False
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I prefer to spend on experiences rather than things when budgets are tight.
True
False
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High returns are guaranteed if you hold long enough.
True
False
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Before taking on new risks, I ensure my base expenses are covered for months.
True
False
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Memories can be insured like property, so there is no need to save for the next trip.
True
False
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I track net worth to see assets working even when income is flat.
True
False
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Index funds usually charge higher fees than actively managed funds.
True
False
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Profiles

  1. The Free-Spirited Spender -

    You thrive on memorable experiences and spontaneous purchases, so on this am i rich quiz you score high in lifestyle indulgence but low in long-term savings. Quick tip: Challenge yourself to save 5% of each paycheck to build a financial cushion and balance fun with prudence.

  2. The Balanced Breadwinner -

    You've mastered the middle path: comfortable spending, steady saving, and mindful budgeting. In the are you rich quiz spectrum, you're neither skimping nor splurging - just striking financial harmony. Quick tip: Automate an extra 2% into your retirement fund to boost your future wealth effortlessly.

  3. The Savvy Saver -

    Frugality is your superpower. This how wealthy am i quiz outcome shows you prioritize long-term goals and emergency funds over instant gratification. Quick tip: Explore low-cost index funds or a high-yield savings account to see your wealth grow without lifting a finger.

  4. The Luxury Luminary -

    You live large and invest smart. On the am i rich quiz scale, your high-net-worth lifestyle pairs with strategic wealth management. Quick tip: Diversify with alternative assets - like real estate or art - to maintain your affluent status and stay ahead of inflation.

  5. The Hidden High-Roller -

    Appearances deceive: you spend modestly but your net worth is impressive. This am i rich quiz result reveals you value financial security over flashy displays. Quick tip: Treat yourself occasionally - rewarding yourself wisely can keep motivation high and spending balanced.

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