1. When you receive unexpected cash, the first thing you do is...

2. How often do you encounter difficulty paying a bill?

3. How often do you incur non-sufficient funds (NSF) or overdraft fees from the bank?

4. Have you starting learning about retirement options?

5. When your budget fails, what do you do?

6. How would you rate your money smarts?

7. If you’re going to be late on a credit card payment, you...

8. Have you calculated the total amount you owe on student loan and credit card debt?

9. How often do you check your credit report?

10. Can you afford to pay more than the minimum on your credit cards (or other debt) each month?

11. Which of the following best describes your savings habits?

12. You’re a huge Golden State Warriors fan, and you have to choose between a meet-and-greet event with Steph Curry or a student loan payment. What do you do?