Klontz Money Attitudes Questionnaire Test

People comparing conflicting reactions to saving, spending, privacy, or status can use the Klontz Money Attitudes Questionnaire Test to examine which money themes stand out. A money attitudes assessment helps distinguish caution, avoidance, status concerns, and money-focused expectations across the results. This approach suits readers seeking a more specific interpretation of their financial assumptions.

What This Assessment Explores

Items examine beliefs about earning, spending, privacy, status, and money. This money beliefs questionnaire covers trust, morality, and wealth.

Four dimensions follow:

• Money Vigilance (1-6) measures secrecy, distrust, fear of loss, and caution; Low vigilance (1-2.86), Moderate vigilance (2.87-4.53), High vigilance (4.54-6).
• Money Worship (1-6) measures belief that money solves problems and possible hoarding; Low (1-2.89), Moderate (2.9-4.6), High (4.61-6).
• Money as Status (1-6) measures judging people by finances and possible status-driven risk or overspending; Low (1-1.58), Moderate (1.59-3.01), High (3.02-6).
• Money Avoidance (1-6) measures reluctance to manage money or buy necessities; Low avoidance (1-1.58), Moderate avoidance (1.59-2.85), High avoidance (2.86-6).

Bands show tendency strength, not a diagnosis.

Methodology and Scientific Basis

Each statement uses six ordered agreement choices, from Strongly disagree to Strongly agree. A few items use Completely disagree and Completely agree, but the format remains six-point.

Scoring yields four separate results rather than one overall label. However, item weights, reverse-scoring rules, and any total-score formula are not stated in the questionnaire, so they should not be inferred from the displayed ranges.

Conceptually, this online assessment is consistent with the Klontz Money Script Inventory (Klontz et al., 2011). Klontz, Klontz, and Kahler (2008) describe the wider money-script framework. This is not automatically the published inventory or a documented adaptation. Taylor, Klontz, and Britt (2016) reported reliability and convergent validity for the revised KMSI-R; Reiter et al. (2026) later examined it across a diverse sample. Those findings support related published instruments, not automatic validation of this online questionnaire.

Because these money-attitude items use self-report, a money attitude profile can reflect current circumstances, self-awareness, and response style. It has no stated population norms or diagnostic cutoffs, so interpret the profile as endorsed money patterns.