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financial behavior

Adolescent Attitudes Toward Money Scales Test

Take the online Adolescent Attitudes Toward Money Scales Test - AI psychologist FreudlyYou can take Adolescent Attitudes Toward Money Scales Testhere. Online version of a simple and accurate psychological test with interpretation.en
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
08:30
October 2, 2025
October 2, 2025
Material has been updated
October 2, 2025
Material has been published
31,679 views
3,848 completions
3,144 likes
Verified by Daniel Hall
Psychologist with 25 years of experience
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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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just completed the test
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.
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 Awareness (FA)
Financial Awareness (FA)
Average
5.7
Normal range
3.2 — 8.2
min.
0
max.
16
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 rights (Fr)
Financial rights (Fr)
Average
18.1
Normal range
15.7 — 20.5
min.
6
max.
24
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
    • Agree
    • Strongly agree
    • Strongly disagree
    • Disagree
    • Agree
    • Strongly agree
    • Strongly disagree
    • Disagree
    • Agree
    • Strongly agree
These are 3 of the 10 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
Scales of Adolescents' Attitudes Towards Money Test

Adolescent Attitudes Toward Money Scales Test - Symptoms and Signs

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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