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Adolescent Attitudes Toward Money Scales

Adolescent Attitudes Toward Money Scales Test

Understand how a teen views money rights and financial awareness in just 2 minutes. Ten quick items deliver clear, usable insights for school, counseling, or online support.

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Questions: 102 minutes

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08:30

October 2, 2025

October 2, 2025
Material has been updated

October 2, 2025
Material has been published

28647 views

3552 completions

2901 likes

Scale Explorer

How the Scales are Structured

example score

5/16

Financial Awareness (FA)

Measures a teenager’s self-discipline and thoughtfulness in managing and thinking about money.

Low awareness

Moderate awareness

High awareness

0 – 7: Low awareness | 8 – 14: Moderate awareness | 15 – 16: High awareness

A score of 5 falls in the Low awareness range, suggesting money-related decisions may be more impulsive or less consistently planned at this time.

example score

11/24

Financial Entitlement (FE)

Measures how strongly an adolescent believes parents are obligated to provide for their material needs and financial support.

Independent

Balanced expectations

Strong entitlement

6 – 9: Independent | 10 – 16: Balanced expectations | 17 – 24: Strong entitlement

A score of 11 falls in the Balanced expectations range, suggesting a moderate expectation of parental support alongside some sense of personal financial independence.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

School counselors and psychologists

41%OF USERS

They use it to quickly understand a teen’s beliefs about money, rights, and responsibility to guide support plans.

Teachers and youth educators

34%OF USERS

They include it in financial education or life-skills lessons to spot gaps in money attitudes and literacy.

Parents of teenagers

25%OF USERS

They take it to better grasp how their teen thinks about spending, saving, and independence so they can talk about money more effectively.

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

RESULTS YOU CAN ACTUALLY USE

What You’ll See After You Finish the Test

Scale Results
— Explained Clearly

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AI-Powered
Interpretation

A structured, clinically grounded explanation. Our AI analyzes patterns and relationships between scales to provide a coherent interpretation — without alarmist language.

Statistical
Comparison

See how you compare to others. Your scores are placed in a statistical context, showing percentiles and trends based on anonymized platform data to help you understand what`s typical.

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Recommendations

Actionable guidance tailored to your profile. Receive clear, realistic suggestions you can apply immediately — focused on coping, self-regulation, and realistic next steps.

AI-Detected
Insights

Key patterns you might not notice on your own. Surfacing subtle connections in your responses that help you better understand what may be driving your current results.

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Clarify, reflect, and explore right away. Talk through your outcomes, ask questions, and explore meanings in a calm, non-diagnostic dialogue environment.

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Used in 52+ countries

Benchmarking

See How You Compare

Once you finish the test, your results will be compared with real-world data from people in your country.
Below is a preview of the benchmarks we use to place your score in context.

Financial Awareness (FA)

Average

5.7

Normal range

3.2 — 8.2

min.

max.

majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear here so you can see where you land.

Financial rights (Fr)

Average

18.1

Normal range

15.7 — 20.5

min.

max.

majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear here so you can see where you land.

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CLEAR ANSWERS TO COMMON QUESTIONS

Frequently Asked Questions

Any questions left?

What does this questionnaire measure?

It measures attitudes toward money in adolescence, with focus on perceived financial rights and basic financial literacy.

Who can take the questionnaire?

It is intended for adolescents. It may be used in school, counseling, or research settings where adolescent self-report is appropriate.

How long does it take and how many items are included?

Completion typically takes about 2 minutes. The questionnaire includes 10 items.

How should responses be given?

Each item should be answered based on typical beliefs and behavior rather than an ideal response. All items should be answered without spending excessive time on any one question.

How should results be interpreted?

Results describe patterns of beliefs and understanding related to money and do not provide a diagnosis. Interpretation should consider age, context, and other available information.

WHAT THE TEST MEASURES

About This Assessment

Scales of Adolescents' Attitudes Towards Money Test

Adolescent Attitudes Toward Money Scales Test

financial behavior

This brief self-report measure assesses adolescents’ attitudes and beliefs about money and financial responsibility. The Adolescent Attitudes Toward Money Scales is designed to provide a rapid snapshot of how a youth conceptualizes financial rights and money-related understanding. It was developed by Bonnie L. Barber, Adrian Furnham, and Thomas J. Furnham.

The instrument includes 10 items and typically takes about 2 minutes to complete. It may be useful in educational or clinical contexts as a screening-oriented indicator of money-related attitudes that can inform further assessment, discussion, or targeted intervention. Interpretation should be integrated with developmental context and other sources of information.

The Adolescent Attitudes Toward Money Scales is not a standalone diagnostic tool; results are best considered alongside broader measures of functioning, family and cultural factors, and observed financial behaviors.

Author: Adrian Furnham, Bonnie L. Barber, Thomas J. Furnham

Literature: Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., Serido, J. Financial socialization of first-year college students: The roles of parents, work, and education. Journal of Youth and Adolescence. 2010.; Beutler, I. F., Gudmunson, C. G. New adolescent money attitude scales: Entitlement and conscientiousness. Journal of Financial Counseling and Planning. 2012.

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