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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. Question 1 is answered with a plus sign under what circumstance?
(a) If the purchase was work-related.
(b) If income is greater than expenses for the month.
(c) If the expenditure was worth the life energy spent.
(d) If the expenditure was a necessity.

2. Why are vacations considered to be a work expense?
(a) They are necessary to relieve work-related stress.
(b) Only employed individuals can afford vacations.
(c) Most employees take laptops or cell phones on vacation.
(d) They are required by law.

3. What does the physical perspective of money include?
(a) Using PIN numbers.
(b) Balancing a checkbook.
(c) Personal responsibility and transformation.
(d) Gold.

4. What must people do in order to make Step 3 work?
(a) Reduce spending.
(b) Be as truthful as possible.
(c) Work more hours.
(d) Work fewer hours.

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

Short Answer Questions

1. What must a person do to become financially independent?

2. What should the amount started with at the beginning of the month, plus total income, minus total expenses equal?

3. What is a possible advantage of switching to a lower-paying job?

4. How should people reduce spending?

5. Attitude toward buying groceries is part of which perspective of money?

Short Essay Questions

1. What are some of the not-so-obvious expenses related to a person's work?

2. What are some problems associated with "business as usual?"

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

4. What is the final part of Step 3? How is this accomplished?

5. What are the three perspectives of money the authors ask program participants to reject? Include brief descriptions.

6. How does our consumption hurt the environment?

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

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

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

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

(see the answer keys)

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