Financial Capacity Insight

2.I frequently explore new ways to increase my income, such as side jobs or investments.

Disagree

Agree

3.I believe financial stability is achievable with the right habits.

Disagree

Agree

4.I regularly evaluate my spending habits to identify areas for improvement.

Disagree

Agree

5.I make sure to set aside money for emergencies.

Disagree

Agree

6.I avoid investing because I think it’s too complicated or risky. (Reverse-scored)

Disagree

Agree

7.I often feel that I will never have enough money, no matter how much I earn. (Reverse-scored)

Disagree

Agree

8.I find it easy to stick to my budget each month.

Disagree

Agree

9.I frequently discuss financial planning with friends or family.

Disagree

Agree

10.I actively seek out information on how to grow my wealth.

Disagree

Agree

11.I feel secure in my ability to manage unexpected financial expenses.

Disagree

Agree

12.I take pride in my ability to save for future goals.

Disagree

Agree

13.I hesitate to check my bank account balance because I fear it will be lower than expected. (Reverse-scored)

Disagree

Agree

14.I often make impulse purchases that I later regret. (Reverse-scored)

Disagree

Agree

15.I have a clear plan for achieving my long-term financial goals.

Disagree

Agree

16.I often avoid thinking about money because it stresses me out. (Reverse-scored)

Disagree

Agree

17.I believe that making small changes to my spending can lead to significant savings.

Disagree

Agree

18.When making a purchase, I always consider its impact on my long-term savings.

Disagree

Agree

19.I take financial setbacks as learning opportunities and adjust my approach.

Disagree

Agree

20.I regularly set financial goals for myself and track my progress.

Disagree

Agree

1.I feel that my financial knowledge is sufficient to make informed decisions.

2.I frequently explore new ways to increase my income, such as side jobs or investments.

3.I believe financial stability is achievable with the right habits.

4.I regularly evaluate my spending habits to identify areas for improvement.

5.I make sure to set aside money for emergencies.

6.I avoid investing because I think it’s too complicated or risky. (Reverse-scored)

7.I often feel that I will never have enough money, no matter how much I earn. (Reverse-scored)

8.I find it easy to stick to my budget each month.

9.I frequently discuss financial planning with friends or family.

10.I actively seek out information on how to grow my wealth.

11.I feel secure in my ability to manage unexpected financial expenses.

12.I take pride in my ability to save for future goals.

13.I hesitate to check my bank account balance because I fear it will be lower than expected. (Reverse-scored)

14.I often make impulse purchases that I later regret. (Reverse-scored)

15.I have a clear plan for achieving my long-term financial goals.

16.I often avoid thinking about money because it stresses me out. (Reverse-scored)

17.I believe that making small changes to my spending can lead to significant savings.

18.When making a purchase, I always consider its impact on my long-term savings.

19.I take financial setbacks as learning opportunities and adjust my approach.

20.I regularly set financial goals for myself and track my progress.

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