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

2. What is Step 1, Part 2 of the program?
(a) List everything owned.
(b) Declutter the garage and basement.
(c) Determine net worth.
(d) Determine how much money has been earned so far in a lifetime.

3. What is the second half of Step 2?
(a) Keeping meticulous track of every cent that comes in or goes out.
(b) Looking for a better job.
(c) Saving as much money as possible.
(d) Selling unnecessary luxuries.

4. Which perspective of money should readers embrace?
(a) Life energy.
(b) Personal responsibility and transformation.
(c) Hedges against inflation.
(d) A personal perspective.

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

Short Answer Questions

1. Some people reach the top of their profession and make good money, yet are still not what?

2. What is one of the main economic principles most businesses follow?

3. In Question 2, what must participants ask if each expenditure is in alignment with?

4. Why should readers not use premade categories from other budget books?

5. What does the amount spent divided by real hourly wage equal?

Short Essay Questions

1. Compare a person's typical response to a long-term threat with the typical response to an immediate threat.

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

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

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

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

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

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

8. Where does the "rat race" come from?

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

10. Why is Step 4 considered the heart of the program?

(see the answer keys)

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