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Klontz Money Attitudes Questionnaire3

Klontz Money Attitudes Questionnaire Test

Understand the money beliefs driving your choices and emotions in about 6 minutes. Get a clear snapshot of spending and saving patterns to guide coaching, budgeting, and conflict resolution.

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Questions: 296 minutes

08:30

October 2, 2025

October 2, 2025
Material has been updated

October 2, 2025
Material has been published

31,665 views

2,257 completions

1,900 likes

Verified by Daniel Hall

Psychologist with 25 years of experience

Scale Explorer

How the Scales are Structured

example score

3/6

Money Vigilance (MV)

Measures how vigilant and cautious a person is about money, including privacy about finances and distrust of financial institutions.

Low vigilance

Moderate vigilance

High vigilance

1 – 2.86: Low vigilance | 2.87 – 4.53: Moderate vigilance | 4.54 – 6: High vigilance

A score of 3 falls in the moderate range, suggesting a balanced level of caution and privacy about money without strong fear-driven guarding of finances.

example score

4/6

Money Worship (MW)

Measures the extent to which a person believes money can solve problems and tends toward hoarding or money-centered thinking.

Low

Moderate

High

1 – 2.89: Low | 2.9 – 4.6: Moderate | 4.61 – 6: High

A score of 4 falls in the Moderate range, suggesting a noticeable but not dominant tendency to view money as a key solution and to hold onto it for security.

example score

4/6

Money as Status (MaS)

Measures the extent to which a person links money with social status and judges themselves or others based on financial standing.

Low

Moderate

High

1 – 1.58: Low | 1.59 – 3.01: Moderate | 3.02 – 6: High

A score of 4 falls in the High range, suggesting you relatively often view money as a marker of status and may place more importance on financial standing in evaluations and decisions.

example score

3/6

Money Avoidance (MA)

Measures the tendency to avoid dealing with money and to hesitate to spend even on necessary purchases.

Low avoidance

Moderate avoidance

High avoidance

1 – 1.58: Low avoidance | 1.59 – 2.85: Moderate avoidance | 2.86 – 6: High avoidance

A score of 3 falls in the High avoidance range, suggesting a stronger tendency to sidestep money-related decisions and feel reluctant to spend, even when spending may be necessary.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

Personal finance self-improvers

41%OF USERS

People who want to understand why they save, spend, or avoid money decisions and build healthier financial habits.

Couples with money tension

34%OF USERS

Partners who argue about budgeting, spending, or debts and want a clearer picture of each person’s money beliefs.

Coaches and therapists

25%OF USERS

Professionals who work with clients on stress, self-esteem, or behavior change and need a quick profile of money attitudes.

BASED ON AGGREGATED, ANONYMIZED DATA FROM TENS OF THOUSANDS OF FREUDLY USERS.

Benchmarking

See How You Compare

Once you complete the test, your results are compared with real-world data from people in your country.
Below is a preview of how scores are typically distributed across each scale.

Worrying About Money (WAM)

Average

3.2

Normal range

2.4 — 3.9

min.

max.

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

Worship of Money (WoM)

Average

3.5

Normal range

2.9 — 4.1

min.

max.

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

Money as Status (MaS)

Average

2.3

Normal range

1.3 — 3.2

min.

max.

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

Avoidance of Money (AoM)

Average

3.9

Normal range

3.2 — 4.7

min.

max.

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

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SAMPLE QUESTIONS

Example Questions From the Test

- Strongly disagree
- Disagree
- Somewhat disagree
- Somewhat agree
- Agree
- Strongly agree
- Strongly disagree
- Disagree
- Somewhat disagree
- Somewhat agree
- Agree
- Strongly agree
- Strongly disagree
- Disagree
- Somewhat disagree
- Somewhat agree
- Agree
- Strongly agree

These are 3 of the 29 real questions — the rest appear in the test. No sign-up needed to start.

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WHAT THE TEST MEASURES

About This Assessment

Klontz Money Attitudes Questionnaire Test - Symptoms and Signs

financial behavior

Financial attitudes and beliefs can shape decision-making and emotional responses related to spending, saving, and financial risk. The Klontz Money Attitudes Questionnaire is a brief self-report measure designed to help identify patterns in how an individual relates to money (Ted Klontz, Bradley T. Klontz, & Rick Kahler). It includes 29 items and typically takes about 6 minutes to complete.

Results are generally used to support clinical formulation and discussion of money-related cognitions and behaviors, such as avoidance, anxiety, restraint, or rigid rules about spending. The Klontz Money Attitudes Questionnaire can be considered as one component of a broader assessment and should be interpreted in the context of presenting concerns, clinical history, and other relevant measures.

Author: Bradley T. Klontz, Rick Kahler, Ted Klontz

Literature: Furnham, A. The psychology of money. Routledge. 1996.