Take the Am I Broke Quiz and Reveal Your Financial Status!
Think you're broke? Try our financial health quiz and find out!
Editorial: Review CompletedCreated By: Rohan TiwariUpdated Aug 23, 2025
This Am I Broke quiz helps you check your real financial health by looking at spending, bills, savings, and debt. You'll spot weak spots, get quick tips you can use today, and, for a fuller view, compare with our net worth quiz .
How would you describe your monthly budgeting habits?
If an unexpected $500 expense arises, how confident are you covering it?
How do you manage your credit card balances each month?
What percentage of your income goes into savings or investments?
How many months of expenses could you cover with your emergency fund?
How often do you review your financial goals and progress?
Do you carry any high-interest debt (over 10% APR)?
How comfortable are you discussing finances with a professional advisor?
When a sale tempts you, how likely are you to impulse buy?
How well does your income cover your regular monthly expenses?
Do you review your bank and credit statements for errors?
How diversified are your investments?
What describes your retirement savings status?
How do you respond when bills exceed your available funds?
How do you feel about your overall financial future?
Financial Struggle
You often find it challenging to meet your regular obligations and lack sufficient savings for emergencies. High-interest debt or impulse spending may be intensifying your financial strain. Focusing on a strict budget and prioritizing debt repayment can relieve immediate pressure. You may also benefit from free or low-cost financial counseling to regain stability.
Rainy Day Ready
You've built a robust emergency fund and consistently meet your financial obligations on time. You track spending effectively and prioritize both savings and debt reduction. You review your budget and goals regularly to stay on course. Keep leveraging your strong habits to pursue even bigger financial milestones!
Caution Advised
You show awareness of basic financial principles but sometimes struggle to cover unexpected expenses. Your emergency fund and debt management need strengthening to avoid future stress. Building more consistent budgeting habits and trimming nonessential spending will improve your resilience. Start by setting small, achievable savings targets and reviewing your outflows weekly.
In Deep Waters
You're currently encountering significant financial hardships with minimal savings and growing obligations. Addressing urgent debt and adopting a basic budget plan are critical first steps. Seeking support from a financial counselor or community resources can help you find a path forward. Starting with a simple spending log and small savings goals will begin to restore your control.
On the Right Track
You manage your finances competently and maintain a working emergency buffer. You pay bills and make progress toward your goals, though occasional oversights occur. With a bit more consistency in budgeting and saving, you can elevate your financial stability. Consider tightening your expense tracking and automating more of your savings.
Profiles
- Instant Noodler -
You're surviving on instant noodles and coffee, with little to no savings buffer. The am I broke quiz shows it's time to map out a simple budget and cut one non-essential expense this week to kickstart your financial health.
- Coffee & Swipe -
Your daily latte habit and spontaneous swipes at checkout are chipping away at your balance. According to this financial health quiz, setting a strict daily spending limit and tracking every purchase can help you regain control.
- Budget Buff -
You've got a handle on essentials and stash a bit of savings each month, but splurges still sneak in. The how broke am I section suggests automating transfers to your emergency fund and rewarding yourself only when you hit new milestones.
- Cash Flow Captain -
Your cash inflows and outflows are balanced, and you rarely dip into overdraft. The am I broke quiz outcome recommends exploring low-risk investments or side hustles to accelerate your wealth-building journey.
- Debt-Free Dreamer -
You're crushing debt, padding your emergency fund, and feeling confident about future goals. This am I broke quiz result encourages you to challenge yourself with new financial targets - think long-term investments or charitable giving.
