The surprise bill
A $1,200 car repair comes up. How do you pay?
You chose:
The wealthy: From my savings
Savings turn a surprise into an inconvenience, not months of 20%+ interest. Keep three to six months of essential bills set aside.
Your Wealth Habits Score
0out of 100
Old Money Instincts
Every answer was the one wealthy families would give.
The Quiet Builder
Your instincts are sound. One or two habits are quietly costing you.
The Late Bloomer
You have the drive. A few habits are working against you, and every one can change this month.
The Fresh Start
Nobody taught you these, and that is not your fault.
The habits costing you money
The raise
You get a $500 a month raise. What happens to it?
You chose:
The wealthy: I save or invest it
Spending rises to meet income, which is why so many high earners stay broke. A raise only becomes wealth if you save it before you get used to it.
The treat
You have $1,500 extra. What do you do with it?
You chose:
The wealthy: Invest it
The rich buy what pays them before what shows. Investments can grow for decades; a designer label loses value the day you buy it.
The hotel desk
Checking into a hotel. Which do you hand over?
You chose:
The wealthy: A credit card
Hotels put a hold on your card. On a debit card that freezes your real money for days. On a credit card you pay in full each month, it costs nothing and builds your credit.
The big decision
Who do you trust to invest $50,000?
You chose:
The wealthy: An independent advisor I pay directly
A bank advisor may be paid through the products they sell you. The rich hire an advisor they pay directly, who is legally required to put them first (a “fee-only fiduciary”).
Family and money
Your grown child asks to borrow $5,000. You:
You chose:
The wealthy: Give only what I can afford to lose
Unpaid family loans are a common cause of lasting resentment. Give what you can afford as a gift. If it is more than that, write the loan down.
The nosy question
A cousin asks what your house is worth. You:
You chose:
The wealthy: Stay vague and change the subject
Once relatives know the number, the requests start. “We’re comfortable” is warm, true, and ends it.
Habits you already have ()
A $1,200 car repair comes up. How do you pay: From my savings
You get a $500 a month raise. What happens to it: I save or invest it
You have $1,500 extra. What do you do with it: Invest it
Checking into a hotel. Which do you hand over: A credit card
Who do you trust to invest $50,000: An independent advisor I pay directly
Your grown child asks to borrow $5,000. You: Give only what I can afford to lose
A cousin asks what your house is worth. You: Stay vague and change the subject
Your next step
Fix the habits costing you money, for good.
Pass your habits on.
Your Rulebook opens with a plan for each habit your answers flagged:
- The surprise billBuild a cushion so the next surprise bill never turns into debt
- The raiseTurn your next raise into wealth, not a bigger lifestyle
- The treatBuy what pays you before what shows
- The hotel deskUse credit the way the wealthy do, so it works for you instead of costing you
- The big decisionFind an advisor who is legally required to put you first
- Family and moneyHelp family without losing the money or the relationship
- The nosy questionKeep your number private, warmly, so the requests stop
Your habits already match what wealthy families do. The Complete Rulebook puts every rule in one book your children and grandchildren can keep.
- Know exactly what to do this week, one habit at a time
- Never be caught without the right words when family asks for money
- Leave your family a binder, not a mess
Quiz-taker price · instant download · print at home
Or get all four books, the Rulebook plus three playbooks: The Complete Library, $168 $99
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Habits build wealth. Paperwork decides who keeps it.
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Check my paperworkGeneral education, not financial advice.