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1. When it comes to budgeting, you prefer to: 1. When it comes to budgeting, you prefer to: A.) A solid 3 months’ of expenses built up — anything more than that would be excessive at this point in your life. You’re more focused on investing any extra cash. B.) If you got in a bad accident and lost your income stream tomorrow, you would be set to survive an entire year or longer on your current budget. C.) Relatively nonexistent. You’ve always been able to cover “emergency” expenses with a credit card and pay it off eventually. D.) It may cover several months of expenses, but you haven’t checked it in a while. You’re so used to setting aside whatever’s leftover, and you avoid touching your savings at all costs.

2. What does your emergency fund look like? 2. What does your emergency fund look like? A.) A solid 3 months’ of expenses built up — anything more than that would be excessive at this point in your life. You’re more focused on investing any extra cash. B.) If you got in a bad accident and lost your income stream tomorrow, you would be set to survive an entire year or longer on your current budget. C.) Relatively nonexistent. You’ve always been able to cover “emergency” expenses with a credit card and pay it off eventually. D.) It may cover several months of expenses, but you haven’t checked it in a while. You’re so used to setting aside whatever’s leftover, and you avoid touching your savings at all costs.

3. Your credit score is: 3. Your credit score is: A.) Definitely good. You know what you have to do to keep it up, but don’t worry about it too much otherwise. B.) Freakin’ excellent. You’re super on top of payments and strategic about your credit usage, and you check your bank’s free monthly credit score update like clockwork. C.) Relatively nonexistent. You’ve always been able to cover “emergency” expenses with a credit card and pay it off eventually. D.) It may cover several months of expenses, but you haven’t checked it in a while. You’re so used to setting aside whatever’s leftover, and you avoid touching your savings at all costs.

4. Do you ever buy things on impulse? 4. Do you ever buy things on impulse? A.) Rarely — you’ve been burned too many times in the past, and you know yourself well enough to know there’s nothing you’d rather do less than going out of your way to return something. B.) Nope. Everything you buy has been meticulously thought out beforehand. In fact, it throws you off when you suddenly need to buy something you hadn’t planned ahead for in your budget. C.) Yes — you feel deprived if you don’t have the freedom to buy what you want in the moment. D.) Yes, but only small things — a super-discounted pair of earrings or a fun snack on a grocery trip.

5. What are your tactics for meal planning and grocery shopping? 5. What are your tactics for meal planning and grocery shopping? A.) You plan your meals ahead of time and keep plenty of snack staples in the kitchen. You’re willing to pay a little extra to go to the slightly-more-expensive store close to home, because it saves you easily 40 minutes per trip. B.) You are a meal prep pro. You spend your Sundays planning the week’s menu around your store’s available coupons, shopping, and prepping all your breakfasts and lunches for the week. C.) Even though you might love cooking, you don’t love planning ahead. You often buy ingredients for a certain recipe on a whim, but then you don’t end up using all the ingredients before they go bad. The Trader Joe’s frozen foods section is your best friend because you don’t have to worry about meals going bad before you get around to eating them. D.) You regularly stock up on inexpensive staples, and you have your favorite (and most cost-effective) takeout orders saved in your delivery app.

6. What kind of credit card(s) do you use? 6. What kind of credit card(s) do you use? A.) One solid credit card for pretty much everything — it may have a not-insignificant annual fee, but the benefits and points more than make up for it. You use the autopay option to pay it off in full before the due date every month. B.) Several to a dozen cards, each with their own rewards systems that you know by heart. You use different cards for different purposes to maximize the points you can earn. And you cover the costs you put on each card as soon as they hit — no use risking making a late payment. C.) Whichever one you got a pre-approval offer in the mail for first. D.) None, really — you’re relatively risk-averse and don’t see the point in swiping a credit card for purchases you can cover outright.