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This test consists of 5 multiple choice questions, 5 short answer questions, and 10 short essay questions.

Multiple Choice Questions

1. Most Americans divide their discretionary time equally between what two activities?
(a) Leisure and retirement.
(b) Working and spending.
(c) Family and friends.
(d) Eating and drinking.

2. Why should readers not use premade categories from other budget books?
(a) Other budget books are inferior.
(b) Everyone has different spending habits.
(c) Some categories are difficult to track.
(d) Some categories may be out of date.

3. What have many people been told by parents and guidance counselors?
(a) That the job market is tight.
(b) That they can be anything they want to be.
(c) Employment security is more important than happiness.
(d) Money is more important than happiness.

4. On average, what do Americans have less of than ever before?
(a) Debt.
(b) Children.
(c) Savings.
(d) Education.

5. What are "gazingus pins?"
(a) Any items the reader has an unreasonable amount of, due to habitual shopping.
(b) Pins to attach to a spending chart to indicate unnecessary expenses.
(c) Clips to attach spending charts to refrigerators or bulletin boards.
(d) Larger-than-standard pins.

Short Answer Questions

1. Under which category does money paid to employ servants and service workers fall?

2. What will eventually run out?

3. What allows people to enjoy their planet, community, and spirituality more than ever before?

4. What is the second half of Step 2?

5. What are comforts, as defined in Chapter 1?

Short Essay Questions

1. Why does the result from the first part of Step 2 sometimes prompt participants to seek a lower-paying job?

2. How does the protestant work ethic influence the behavior of many Americans?

3. What is the first part of Step 2? How is this accomplished?

4. Why do many people give up on their dreams early in life?

5. What should program participants do about their smaller, sometimes overlooked miscellaneous expenses?

6. What should program participants do, rather than create a budget?

7. What are people's dreams good clues to?

8. What perspective of money do the authors endorse? Why?

9. What is the first part of Step 3?

10. What do the two parts of Step 2 allow program participants to track?

(see the answer keys)

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