What's your level of Financial Freedom?

For each statement below, ask yourself "How descriptive is this of me?" If the statement never describes your thinking and behaviors choose "1." Choose "5" if it always describes your thinking and behaviors.

The statements are phrased in both the positive and the negative. You can answer either side or both depending on how the statements apply to you.

1. I never worry about money problems. 1. I constantly worry about money problems.
2. My expenses never exceed my income. 2. My expenses often exceed my income.
3. I pay all my bills as they're due. 3. I'm often late in paying my monthly bills.
4. I pay off my credit cards each month. 4. I never pay my credit cards in full.
5. I carefully budget my income and expenses. 5. I never budget my income and expenses.
6. I think more of saving than spending. 6. I think more of spending than saving.
7. I have specific written financial goals. 7. I never write out specific goals.
8. I have complete control of my expenses. 8. I cannot seem to control my expenses.
9. I'm prepared to deal with any financial emergency. 9. Any financial emergency would wipe me out.
10. I believe the world is filled with opportunities for success. 10. I'm in a dead-end situation, and see little hope.
11. I focus on creating value for people believing I'll be compensated accordingly. 11. I focus mainly on my own financial survival.
12. I give 10% of my time and income to others. 12. I never have enough left over to give to others.
13. I see my job/life as serving and creating value for others. 13. I'm totally consumed with my own problems and limitations.
14. I'm willing to be compensated consistent with the value I create. 14. I expect to get as much as I can for as little effort as possible.
15. When I think about money, I feel confident and positive. 15. When I think about money, I feel anxious and uncomfortable.
16. I constantly challenge my current financial expectations and seek to expand them. 16. I accept life as it is and feel no need to improve it.
17. If I suddenly earned additional income I'd save or invest it. 17. If I suddenly earned additional income I'd probably spend it.
18. I have people who encourage me to be financially successful. 18. I have no one who encourages me to be financially successful.
19. I frequently seek financial advice from wise people. 19. I never seek financial advice from wise people.
20. I see vast opportunities for my personal financial success. 20. I see no opportunities for my financial success.