New Monetary Behavior Scale Test

Understand what drives your money habits in just 3 minutes. Get a fast, clear snapshot of motives and worries that can guide coaching, counseling, or self-improvement.

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Questions: 123 minutes

08:30

October 2, 2025

October 2, 2025
Material has been updated

October 2, 2025
Material has been published

27,388 views

2,439 completions

2,167 likes

Verified by Daniel Hall

Psychologist with 25 years of experience

Scale Explorer

How the Scales are Structured

example score

3/7

Financial Anxiety (FA)

Measures the degree of worry about money and hesitation in making financial decisions.

Low anxiety

Moderate anxiety

High anxiety

1 – 3.4: Low anxiety | 3.5 – 5.6: Moderate anxiety | 5.7 – 7: High anxiety

A score of 3 falls in the Low anxiety range, suggesting relatively few worries about money and generally comfortable decision-making around finances.

example score

4/7

Money as a Tool of Influence (MaaToI)

This scale measures the extent to which a person uses money to influence, control, or steer others’ behavior and outcomes.

Low influence use

Situational influence

High influence use

1 – 1.5: Low influence use | 1.6 – 4.1: Situational influence | 4.2 – 7: High influence use

A score of 4 suggests you may sometimes use money as leverage in specific situations, but it is not a dominant strategy for influencing others.

example score

3/7

Importance for Social Respect (IfSR)

Measures how strongly a person believes money is important for gaining social respect, recognition, and acceptance.

Low

Moderate

High

1 – 2.9: Low | 3 – 5.3: Moderate | 5.4 – 7: High

A score of 3 indicates a moderate tendency to link money with social respect, suggesting status matters sometimes but is not a primary driver.

example score

6/7

Financial Obsession (FO)

Measures the tendency to frequently monitor finances and market conditions and to actively seek profitable money-related opportunities.

Low

Moderate

High

1 – 2.8: Low | 2.9 – 5: Moderate | 5.1 – 7: High

A score of 6 falls in the High range, suggesting a strong focus on tracking financial status and looking for advantageous deals.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

Money-anxious planners

41%OF USERS

People who worry about financial stability and want to understand what drives their stress and decisions about saving and spending.

Status and success seekers

34%OF USERS

Those who link money with respect, achievement, and recognition and want to see how strongly status motives shape their behavior.

Coaches and counselors

25%OF USERS

Psychologists, coaches, and financial educators who use a quick profile to discuss a client’s money motives, fears, and habits.

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.

Financial Anxiety (FA)

Average

Normal range

2.3 — 3.8

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.

Influence Tool (IT)

Average

4.7

Normal range

3.6 — 5.7

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.

Significance for Respect (SfR)

Average

4.8

Normal range

3.9 — 5.6

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.

Financial Obsession (FO)

Average

4.7

Normal range

3.6 — 5.8

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
- Neither agree nor disagree
- Somewhat agree
- Agree
- Strongly agree
- Strongly disagree
- Disagree
- Somewhat disagree
- Neither agree nor disagree
- Somewhat agree
- Agree
- Strongly agree
- Strongly disagree
- Disagree
- Somewhat disagree
- Not sure / neither agree nor disagree
- Somewhat agree
- Agree
- Strongly agree

These are 3 of the 12 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

New Monetary Behavior Scale Test - Symptoms and Signs

financial behavior

This measure assesses attitudes and behavioral tendencies related to money and everyday financial decision-making. The New Monetary Behavior Scale is a brief, self-report questionnaire designed to capture individual differences in money-related motivations and concerns.

It includes 12 items and typically requires about 3 minutes to complete. Content is commonly organized around domains such as preoccupation with money, perceived social status linked to money, use of money as a means of influence, and anxiety or worry about financial security. The scale may be used to support clinical interviewing, case formulation, or research on financial attitudes (Adrian Furnham; Thomas Li-Ping Tang).

Interpretation typically focuses on relative elevations across domains rather than any single item. Results from the New Monetary Behavior Scale should be considered alongside relevant contextual information, including socioeconomic factors, current stressors, and broader psychological functioning.

Author: Adrian Furnham, Thomas Li-Ping Tang

Literature: Tang, T. L.-P. The meaning of money revisited. Journal of Organizational Behavior. 1992.; Furnham, A., & Grover, S. A new money behavior quiz. Journal of Individual Differences. 2020.