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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. What is the first half of Step 2?
(a) Determine real hourly wage.
(b) Determine net worth.
(c) Determine real hours worked.
(d) Not feeling shame or blame.

2. What are bare necessities, as defined in Chapter 1?
(a) All items needed to meet basic physical needs.
(b) A house and car.
(c) Food and water.
(d) Everything owned by an individual.

3. Why are small, specific categories recommended over traditional, broad categories?
(a) Specific categories are easier to place on a chart.
(b) Broad categories cost more life energy.
(c) Smaller categories allow people to determine which purchases bring only temporary happiness.
(d) Broad categories work only for high-income individuals.

4. What is Question 3?
(a) In how many years will I be able to retire?
(b) What are my dreams?
(c) How might this expenditure change if I did not have to work for a living?
(d) Is income greater than expenses for the month?

5. What might cause readers to feel guilty, after completing Step 1?
(a) Feeling less successful than their work colleagues.
(b) Seeing their credit score.
(c) Spending too much time with family.
(d) Seeing how much they owe or how little they have earned.

Short Answer Questions

1. What three columns should record-keeping include?

2. In Question 1, for each expense, participants must ask if they received fulfillment, satisfaction, and value in proportion to what?

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

4. According to many Americans, what is considered a sin?

5. What are piggy banks and cookie jars examples of?

Short Essay Questions

1. What is the first part of Step 1? What is its purpose?

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

3. What happens when businesses operate according to the theory that "growth is good?"

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

5. For Step 4, what is the second question program participants should ask, regarding every expense on their chart? What is required, before answering this question?

6. What is the first part of Step 3?

7. What is the second part of Step 1? What attitude should participants try to maintain when they see their result?

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

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

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

(see the answer keys)

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