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The Money Harmony Quiz™
From the beginning, God planned for a man and a woman to live together as one person in marriage (Gen. 2:24). Achieving such harmony in your marriage is not always easy, especially when it comes to money. The Money Harmony Quiz™ helps identify problem areas for you and your spouse to pray about and discuss.

Learning how you and your spouse relate to money helps you take another step toward becoming financial soul mates. For each of the questions below, click the response that most strongly describes your view.
 
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1. Your spouse talks about taking a family vacation next summer. You . . .

a. Say yes but express some concern about spending too much money on the trip.
b. Say yes and can’t wait to tell your friends where you’re going next summer.
c. Like the idea but say yes only if your spouse agrees to another matter that’s important to you.
d. Suggest giving the money to a local food bank instead.

2. Your spouse wants to borrow money to buy a new car that costs $40,000. You . . .

a. Would rather buy a less expensive car for cash and put the rest of the money in savings.
b. View the car as a reward for all your hard work.
c. Believe it’s important to appear successful to your clients and the car helps you do that.
d. Agree because you believe it will make your spouse happy.

3. You and your spouse can’t agree about how or if to pay for your kid’s college education. You think . . .

a. You should set up college funds for the kids right away and begin contributing to them monthly.
b. Helping your kids attend the right school will open doors for them later in life.
c. The kids should pay for part if not all of their education.
d. A college education is something parents should give as a gift to their kids.

4. You and your spouse would like to remodel the kitchen in your house. Your spouse suggests using a home equity loan to pay for it. You . . .

a. Would rather save for another year and pay cash.
b. Remind your spouse that the neighbors just put granite countertops in their kitchen.
c. Are tempted to go into further debt just to prove to your family and friends you’re successful.
d. Don’t want to disappoint your spouse by saying no.

5. You recently inherited a large sum of money. You and your spouse are talking about what to do with your unexpected good fortune. You . . .

a. Would like to pay off debt as the first order of business.
b. Want to invest in a vacation home.
c. Believe you should have the final say because it came
from your side of the family.
d. Consider making a substantial gift to a charity.

6. When paying your household bills, you . . .

a. Pay them as soon as they arrive.
b. Wait to the last minute but always pay on time.
c. Manipulate various credit card balances to pay your
debts.
d. Hope your creditors will understand your situation if
you pay late.

7. Your aging parents move into an assisted living center. They need your financial help to make the monthly rent payments. You feel . . .

a. Scared because you can no longer make contributions
to your retirement plan and help your parents.
b. Selfish because this means you can’t buy the new
furniture you’ve been shopping for.
c. Angry because your parents didn’t mange their money
well and now you’re paying for it.
d. Glad for the opportunity to honor your parents.

8. Your church just announced a major capital campaign to build a new youth building. Leaders from the church asked you to make a significant contribution. You . . .

a. Tell them you can’t afford to contribute to the campaign
and need to focus on your own financial needs.
b. Feel honored that they would ask you to participate.
c. Have definite ideas about how they should use any gift
you give.
d. Participate with great joy and excitement!

9. You’re presented with an opportunity to go into business for yourself. It would require a step of faith and a significant investment of capital from your savings. You . . .

a. Prayerfully consider the idea but decide it’s too risky.
b. Believe this is the opportunity of a lifetime and want to
go for it!
c. Can’t stop envisioning yourself as the president of your
own company.
d. Want to do what’s best for your family.

10. When managing the family finances, you . . .

a. Prefer to hire expert help.
b. Do it yourself and rarely seek professional advice.
c. Believe it’s a man’s job.
d. Share the responsibilities as husband and wife.

11. Your spouse wants to plan a weekend getaway for the two of you. He/she suggests an elegant casino in Las Vegas as your destination. You . . .

a. Hesitate to say yes because it sounds like an expensive
trip and you don’t think gambling is good stewardship.
b. Imagine hitting the big jackpot and how the money might
change your life.
c. View gambling as a harmless form of entertainment and
start packing your bags with excitement.
d. Want to spend a romantic weekend with your spouse but
suggest an alternative destination.

12. Money makes you feel . . .

a. Secure
b. Significant
c. Powerful
d. Compassionate


Scoring the Results of Your

Money Harmony Quiz™

The Money Harmony Quiz™ reveals the various ways couples may relate to money. Depending on your family financial history, financial personality, worldview, and other factors, you view money as a security blanket, scorecard, power play, or valentine.

It’s now time to score your quiz. Tally the number of a, b, c, and d answers you gave in questions 1-12. Record your tally below.

“A” answers “C” answers

“B” answers “D” answers

Security Blanket – “A” answers suggest the more money you have the more secure you feel. The thought of a less than secure financial future sometimes disturbs your faith and replaces it with fear.

Scorecard – “B” answers suggest status symbols may be more important to you than you realize. Cash not Christ forms your identity. You feel successful or unsuccessful based on your level of income and the things you possess.

Power Play – “C” answers suggest you enjoy the powerful position money sometimes puts people in. At times you use money to control people and situations.

Valentine – “D” answers suggest you equate love with money and vice versa. Giving and receiving gifts is important to you. Because you try to earn people’s love with money, God’s grace may be difficult for you to accept.

Now that you better understand how you relate to money, share your results with your spouse. Talk about the answers you gave to specific questions and why.
Don’t be surprised if your answers are different. Use the results of this quiz as an opportunity to communicate about money, not change your spouse.

At the end of your discussion, pray together and ask God to change your marriage and help you become financial soul mates. Below is a suggested prayer:

Dear Heavenly Father, Thank you for the life partner you gave to me. Together we’re learning that we relate to money differently and we need your help to become financial soul mates. Please make us one financially as we grow in our relationship with you and each other. We ask this in the name of Jesus. Amen.