Will your emotions drive your financial decisions? Or do you keep calm and counting regardless of what’s going on in the market or bank account? According to personal finance experts Suze Ormanunderstanding the emotional aspects of money is one of the most powerful steps you can take to take for long-term financial security.

In an episode of the recent episode of the Women and Money podcast, Allman introduced the listener to “Emotional Money Score,” a self-assessment tool that helps people measure the extent to which their emotions affect their financial choices.

Oman has long emphasized that fear, shame and anger are internal barriers that can undermine financial success. These feelings can drive impulsive decisions—such as spending money or avoiding bills out of anxiety. Even the best financial plan can collapse if emotions take up the driver’s seat.

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She reminded the audience: "Money alone is not the key to true financial freedom...it is your mentality, emotion and willingness to face the truth."

To help listeners better address their emotional habits surrounding money, Allman asked a 20-question quiz. Each question gives you four options: A, B, C, or D - Each letter represents a different emotional response to a shared financial situation - such as facing unexpected expenses, setting goals, or talking about money with loved ones.

After answering all 20 questions, you assign the index to each answer:

A = 3 points

B = 1 point

C = 0 points

D = 2 points

Then total points to calculate your emotional currency score.

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Choose the answer that best reflects your current habits or feelings:

1. What emotions do you feel most often when you think about your financial situation?
   A. Calm and control
   B. Anxiety or fear
   C. Indifference or avoidance
   D. Excited but sometimes impulsive

2. How do you react if the stock market falls or the economy is about to explode?
   A: I stick to my plan and don't panic
   B. I worry and consider making rash changes
   C. I ignore it, hope it's best
   D. I feel anxious and want to act quickly

3. What is your process when you want to make a large purchase?
   A: I assess whether it is necessary or action is needed
   B. I often buy it just to feel better and then regret it
   C. I avoid thinking about the last minute
   D. I buy it first and figure out the consequences later

4. Do you have an emergency fund?
   A: Yes, I contribute to this regularly
   B. I want, but far from what I need
   C. No, I keep postponing
   D. I can only save it when I am afraid of financially

5. How do you discuss money with your loved ones?
   A. Comfortable and open
   B. Nervous or ashamed
   C. I avoid
   D. I lead the conversation or impress others with money

6. If you experience financial setbacks, what is your first response?
   A: I calmly evaluate the situation and make a plan
   B. I panic and felt at a loss
   C. I ignored it and hope it will solve it
   D. I blame myself or others and act impulsively

7. Do you believe there is more money to solve your problem?
   A: No, I know happiness and security come from within
   B. Yes, I often think more money can solve all problems
   C. I don't know. I'll avoid thinking
   D. Sometimes, but I also know that I need to change my habits

8. How do you feel when you see someone spending money on something you want but can’t afford?
   A: I am happy for them and satisfied with my own choices
   B. I'm jealous or dissatisfied
   C. I try not to think about it
   D. I sometimes overspending just to keep up

9. What is your first instinct when you receive unexpected funds like bonuses, gifts, or tax refunds?
   A: Save or invest
   B. Quick spending
   C. Let it sit, not sure what to do
   D. Treat yourself and worry about the rest

10. How do you achieve your financial goals?
    A: I set clear realistic goals and track my progress
    B. I set goals, but rarely follow
    C. I avoid setting goals because it feels overwhelming
    D. I set ambitious goals but distracted by new desires

11. If you make a financial mistake, what do you do?
    A: I learn from it and adjust my behavior
    B. I am addicted to this and feel inward
    C. I ignore it and hope it disappears
    D. I blame myself severely or repeat mistakes

12. What is your attitude towards debt?
    A: I avoid it or pay it off quickly
    B. I feel anxious or ashamed of this
    C. I ignored it, hoping it won't catch up with me
    D. I use debt to get what I want and worry later

13. How often do you check your bank account or credit union account or currency account balance?
    A: As part of my daily work, regularly
    B. Only when I worry
    C. Very little or never
    D. When I want to spend money or squander

14. What do you think about your current retirement savings?
    Answer: I have confidence and the right track
    B. I'm worried because I'm behind
    C. I don't know how many I have
    D. I always meant to start, but not

15. What are your reactions when you receive a bill or financial statement?
    A: I open it and review it immediately
    B. I felt anxious, but finally opened it
    C. I avoid as long as possible
    D. I ignore it until something goes wrong

16. How do you decide to make a loan or donate to friends or family?
    A: I set clear boundaries and stick to them
    B. I feel intimate
    C. I avoid talking
    D. I often say yes, even if I shouldn't

17. How do you feel about negotiating salary?
    A. Self-confidence and self-confidence
    B. Nervous, but try anyway
    C. I avoid
    D. I become positive or emotional

18. If you lose your job tomorrow, how will you deal with it financially and emotionally?
    A: I have a plan that will keep calm
    B. I will panic, but I need to figure it out
    C. I feel lost and overwhelmed
    D. I will blame myself or others and act impulsively

19. How do you react when someone gives you financial advice?
    A: Open, willing to learn
    B. Defensive or embarrassing
    C. I listen or avoid conversation
    D. I became controversial or dismissive

20. How do you feel about the financial future overall?
    A: Full of hope
    B. Worry but trying to improve
    C. Uncertainty and avoidance
    D. Optimistic but sometimes unrealistic