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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. Which perspective is the notion of "keeping up with the neighbors" part of?
(a) Inflation.
(b) Step 2.
(c) Personal responsibility and transformation.
(d) Emotional and psychological.

2. How many perspectives of money are there?
(a) Six.
(b) One for each person.
(c) Four.
(d) An infinite number.

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

4. How often should people total their income and expenses?
(a) Once a month.
(b) Daily.
(c) Once a week.
(d) Whenever a paycheck is deposited.

5. Which of the following does the cultural perspective of money include?
(a) Fear of inflation.
(b) Buying insurance.
(c) Fear when investing.
(d) Life energy.

Short Answer Questions

1. Earning, saving, and spending money are part of which perspective?

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

3. What is the first half of Step 2?

4. What broad category are alcohol and tobacco subcategories of?

5. What is Step 1, Part 2 of the program?

Short Essay Questions

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

2. What is the second half of Step 2? What are the most important aspects of this exercise?

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

4. Why is it beneficial to be specific with categories, rather than more general?

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

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

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

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

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

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

(see the answer keys)

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