Lesson 1: Your Money Personality Quiz
Young Adult, Lesson 1
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Instructional Slides Pre-assessment (Google forms) Pre-assessment (Google Doc) Money Personality Quiz Mind Map of Your Money Personality Mind Map Example

Lesson 1: Your Money Personality Quiz

Learning Objective:

Students will be able to explore their dominant money personality through a quiz and create a mind map reflecting on the origins and potential risks of their money personality.


Print out or share the mind map example (included in the link and at the end of this document).

Introduction (5 min)

Take a moment and share why you have chosen to teach about financial literacy. Maybe include an anecdote about how you messed up with money and wish you had learned these concepts prior to getting your first paycheck. 

Example: My parents always fought about money, my brother filed for bankruptcy at 26, and I was always on my own trying to figure out money. I would take my credit card to the ATM in my early 20s and pull out cash, never knowing what a cash advance was and how I was being charged for borrowing the cash on my credit card. And I did this when I had money in my checking account and on my debit card. 

If you can take some time to learn about money before going into the world and making real money mistakes, you have a leg up compared to everyone else who has to learn as they go!

Pre-assessment (5 minutes) 

Slide: Pre-assessment

Say: Please take 5 minutes to take the pre-assessment. It’s not for a grade, and if you’re not sure of an answer, don’t guess—just select “Not sure.” This will help the people at Stash101 understand how much you know about money before and after taking this course, which will help them further refine the course for future participants.

Provide link to students: Pre-assessment

Take the Quiz (10 min)

Slide: What is financial literacy?
Ask: Does anyone know what financial literacy is? 

Have students share out.

Slide: Financial literacy is….
Say: Financial literacy is the ability to understand, manage, and invest money. 

Slide: Turn & talk
Ask: If I handed you a $100 bill, what would you do with it? 

Have students think, pair, and share a few responses.

Distribute the quiz to every student.

Slide: Your Money Personality: Take the quiz
Say: Let’s jump right in. We’re going to take a money personality quiz—and there are no right or wrong answers. 

Slides: Your Money Personality, Sections 1-5
Either read these slides aloud or allow students to go through the quiz and complete it on their own. 

Slide: Now what?
Say: To determine your money personality, look at the sections with the most checks. Look at the top one or two categories—or sections with the most checks—to figure out your main money personality or personalities.

Take a temperature of the types of money personalities you have in your room. 

Say: Raise your hand/stomp/clap/snap your fingers if your dominant money personality is … (go through each money personality: Safety, Image, Generosity, Goal-Oriented, FOMO).

Slide: Your results
Ask: So what do your results mean? Let’s have someone who scored high for Section 1 read the paragraph about Safety. (Repeat this for each section.)

Explain Mind Map (5 min)

Slide: Mind map and reflection questions
Pass out the mind map and reflection sheet. 

Say: Now we’re going to create a mind map. I want you to draw one central circle and write your strongest money personality inside it. Then answer the following questions around the map with words, pictures, or a combination of the two.

  1. What are the advantages of your money personality?
  2. What are the disadvantages of your money personality?
  3. What is a situation in which you have seen your money personality shine through?
  4. Were you modeled this personality? (by family members, friends, situations, etc.)
  5. What messages did you get as a kid about money? (spending, saving, giving, etc.)
  6. What is your worst fear regarding money?
  7. What gets you most excited about money? 
  8. What are three money goals that you have? 

Say: Keep in mind that your money personality can and probably will change throughout your life. You are not tied to one personality, and in fact, it’s good to have a balance of all of these personalities, just like multiple intelligences or strengths. You may have a dominant money personality, but that doesn’t mean you have to conform to it or blame it for the choices you make. This activity is meant to teach you a little more about yourself and help you catch yourself when you might go to one extreme or another in regard to money.

Create Mind Map (15 min)

Circulate and assist in helping students write or draw out their answers to the questions. Complete sentences are not necessary for the mind map—and I don’t recommend that students share their responses in a full group, because they can be very private.

Discussion/Reflection (10 min) 

Say: Look at your mind map, and let’s open it up to discussion. 

  • Do you agree or disagree with your money personality?
    (Have a few students share out their results, if they opt to.)
  • Why might it be helpful to know your money personality? When might it be detrimental?
  • What are the limitations in doing a quiz like this?
    (I highly recommend you talk about this last question and make sure students don’t wedge themselves into a box. Encourage them to think of this as more of an awakening than a permanent or official labeling. Ask students to chew on what they learned and take in the nutrients, but not take this as an end-all-be-all).

Slide: Why does this matter?
Say: So you might ask, why does this matter? Research shows that you start developing your relationship with money as early as 3 years old. And now, as young adults, you have the power to become more aware of your relationship with money and create positive money habits to set yourself up for success. What we’re going to focus on for 12 sessions is jump-starting a positive relationship with money—which goes hand-in-hand with building a better future for yourself, the things that matter to you, and the people you love.

Slide: Answer 3 of these questions…
Say: On your own time, answer three of these questions about your money personality. Use complete sentences and put some thought into it. You can turn this in during our next session for a sign-on bonus with your Stash101 accounts (which I’ll explain later).

  1. Do you agree or disagree with your money personality? Why?
  2. What did you learn about yourself in regard to money by doing this activity?
  3. Why might it be helpful to know your money personality? 
  4. What are the limitations to categorizing yourself in regard to a money personality?

Display Takeaway slide.