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Wealth-Building Habits Test

Predict your future net worth from your habits today!

18 questions · About 3 min · by Mirai
money management habits wealth

Result Types

Question preview · 18 questions

  1. It's payday! What's the first thing you do?

    • Spend it all right away! Life is now!
    • Pay the bills and maybe some shopping with what's left...
    • Set aside living expenses and move a set amount to savings.
    • Automate savings and investments first, then live on the rest.

  2. When choosing a drink at a convenience store, I...

    • Grab what I want without checking the price.
    • Try the new drink if it catches my eye.
    • First check for any 1+1 or discount offers.
    • Bring my own water and skip the store.

  3. If a friend says, 'I found a great stock! Let's invest together!' I...

    • Invest immediately, even if I don't know much about it.
    • It sounds fun, maybe I'll invest a small amount?
    • Research the stock first and then decide.
    • Analyze if it fits my investment principles before deciding.

  4. How often do you check your credit card statement?

    • Statement? Never seen one.
    • Check occasionally when I get payment alerts.
    • Make sure to check at least once a month.
    • Automatically manage it daily with a budgeting app.

  5. You suddenly got 2 million won! What will you do?

    • Buy everything I've ever wanted!
    • Spend half, figure out where to place the rest...
    • Put it in an emergency fund and plan slowly.
    • Spread it out in my investment portfolio.

  6. How many monthly subscription services do you have?

    • 5 or more, not even sure what I'm using.
    • 3-4, with some rarely used.
    • 1-2, only keep what's necessary.
    • Review quarterly and cancel unnecessary ones immediately.

  7. You saw a 'limited edition' item on sale!

    • If it's limited edition, I must have it!
    • Hesitate, but buy it fearing I might regret later.
    • Think for a day to see if it's truly necessary.
    • Probably a marketing ploy, don't buy if not needed.

  8. How interested are you in economic news or financial info?

    • Not interested, it's too complex for me.
    • Watch occasionally when it pops up on YouTube.
    • Regularly check the topics I'm interested in.
    • Subscribe and study economic news daily.

  9. Do you have an emergency fund account?

    • Emergency fund? I can't even handle next month's credit card bill...
    • I have one, but I sometimes dip into it for living expenses.
    • Have 3 months' worth of living expenses set aside.
    • Over 6 months' expenses saved, plus insurance sorted.

  10. When eating out with friends, do you split the bill or take turns paying?

    • I somehow always end up paying due to the vibe.
    • We take turns, but I don't keep track.
    • Split the bill but manage it naturally.
    • Set a budget for social expenses and manage within that.

  11. What do you do when you open a food delivery app?

    • Add everything I want to eat and order!
    • Order if there's a coupon, otherwise reconsider.
    • Try to limit to twice a week or less.
    • Order within my food budget; mostly cook at home.

  12. What's your plan for retirement?

    • I'll figure it out when the time comes~
    • I know I should start but haven't yet.
    • Already have a pension or IRP account.
    • Completed portfolio with pensions, investments, and insurance.

  13. What's your criteria when buying clothes?

    • Buy everything that's in trend.
    • Buy if it's pretty, but closet is overflowing.
    • Purchase only what I need each season, strategically.
    • Focus on basics with a good price-to-quality ratio.

  14. How do you manage your rent/living expense ratio?

    • Never thought about it in terms of income ratio.
    • Go with the flow... cut back if short.
    • Follow guidelines like 50-30-20 rule to some extent.
    • Make a monthly budget and manage by categories.

  15. What are your thoughts on side jobs or extra income?

    • My main job is hard enough, what side job...
    • Interested but haven't started yet.
    • Trying at least one skill-based side job.
    • Diversified income sources with main job, side jobs, and investments.

  16. Have you read any books or taken courses on financial management?

    • Not at all, not interested.
    • Watched a few YouTube videos?
    • Read 2-3 books and understand basic concepts.
    • Studying steadily and applying it in real life.

  17. Do you have a target asset amount?

    • No goals, just living life as it goes.
    • Somewhat want to save up to 100 million won?
    • Have a specific amount and timeline.
    • Have short-term, mid-term, and long-term asset targets and a roadmap.

  18. How do you evaluate your financial health?

    • No idea what my net worth is.
    • Have a rough idea but don't know exact numbers.
    • Roughly aware of my assets and liabilities.
    • Track monthly asset changes and manage my net worth.
Result types · 8

Empty Account! Extreme Spender

Money? Isn't it there to be spent?

You have a magical spending pattern where money disappears the moment it comes in! Impulse always beats planning, and living in the moment is your top priority. You're all-in on 'today's happiness' over saving or investing.

Laid-Back Spender

Managing money? I'll start tomorrow~

Not totally careless, but your spending control is still a bit weak. The 'this much is probably fine, right?' attitude adds up, and more money leaks out than you'd think. Small purchases are quietly making a big difference.

Income = Expenses! Zero Balance

Nothing left over, but no debt either!

You spend almost exactly what you earn — a 'balanced' act of sorts. Not in the red, but not in the black either. You're good at maintaining the present, but building wealth for the future hasn't quite started yet.

First-Time Saver

Started saving! Growing!

You've recognized the importance of saving and started putting it into practice! It's not fully systematic yet, but you've planted the seed of a saving habit. You're heading in the right direction — just keep the momentum going and you'll definitely grow.

Steady Saver

The bank balance keeps climbing!

You've built a stable habit of saving a consistent amount every month! You've got a reasonable emergency fund, and your spending is managed sensibly. The next step is making that money grow!

Careful First-Time Investor

Stepping beyond saving into the world of investing!

You've realized that saving alone isn't enough and taken your first steps into investing! You prioritize risk management, study before you act, and are carefully growing your assets. You're finding the right balance between safety and growth!

Active Asset Manager

Money-making-money system: complete!

You use a wide range of investment tools and actively manage your portfolio! You read economic trends, strategically allocate your assets, and are building a foundation for passive income.

Wealth Architect

Someone who has built a system for wealth!

You've gone beyond simple saving or investing and reached the stage of designing your assets and building systems! You've diversified your income streams and are growing your wealth with a long-term vision — a true wealth architect.