Purpose and limitations
For self-understanding and financial education. This is not a scientifically validated psychological test, an investment-suitability assessment, or a prediction of future finances. We do not infer income, assets, debt, occupation, family circumstances, or investment experience.
Four axes, five questions each
- When you spend：Value satisfaction today ↔ Prepare for the future
- How you choose purchases：Decide intuitively ↔ Compare before deciding
- How you enjoy money：Prioritize personal enjoyment ↔ Prioritize connection with others
- How you manage money：Adapt flexibly to circumstances ↔ Use plans and rules
Five options and scoring
The options are “Not at all like me」「Not much like me」「Neither / unsure」「Somewhat like me」「Very much like me”. Standard questions score −2, −1, 0, +1, +2 in order. Reversed questions score +2, +1, 0, −1, −2. Each axis totals five questions from −10 to +10.
Negative totals classify left and positive totals right, producing 16 combinations. Time, randomness, and advertising conditions are not used. Changing an answer recalculates all questions.
Ties and middle scores
Zero is displayed as both tendencies and assigned left only for classification. It does not imply left-side characteristics. Absolute scores 1–2 indicate both tendencies with a slight lean, 3–6 a lean, and 7–10 a relatively clear tendency. These are editorial boundaries, not validated standards.
An animal and type name are displayed even when every answer is neutral. When any axis is near the middle, its explanation describes both tendencies, and the main text uses prewritten explanations for mixed tendencies.
Scales sum answers. They are not probabilities, accuracy, scientific confidence, or grades of personal merit.
Questions and scoring directions
| No. | Question | Axis / direction |
|---|---|---|
| 1 | I prefer to keep discretionary money for future enjoyment rather than enjoyment now. | 1／Standard |
| 2 | When choosing what to buy, I like to compare the differences between options. | 2／Standard |
| 3 | Sharing experiences with others is what makes spending enjoyable for me. | 3／Standard |
| 4 | I like to set my own rules for discretionary spending in advance. | 4／Standard |
| 5 | I prefer spending on things I can enjoy now rather than saving it for later enjoyment. | 1／Reversed |
| 6 | When shopping, I value my initial feeling that something is right for me. | 2／Reversed |
| 7 | Making time for myself more fulfilling is what makes spending enjoyable for me. | 3／Reversed |
| 8 | I prefer deciding how to use money according to the situation at the time. | 4／Reversed |
| 9 | When considering discretionary spending, preparing for unexpected expenses matters to me. | 1／Standard |
| 10 | When a product catches my attention, I want to check alternatives before deciding. | 2／Standard |
| 11 | When choosing a purchase, I value opportunities to spend time with others. | 3／Standard |
| 12 | I like to prepare guidelines for spending decisions in advance. | 4／Standard |
| 13 | Making life enjoyable now is the first thing I think of when deciding how to use money. | 1／Reversed |
| 14 | When reading a product description, I rely mainly on my first impression of whether it suits me. | 2／Reversed |
| 15 | For enjoyable purchases, I am drawn to opportunities to explore my own interests. | 3／Reversed |
| 16 | When spending, I prefer a method that fits the situation to a standard set in advance. | 4／Reversed |
| 17 | I like to imagine future enjoyment when deciding how to use discretionary money. | 1／Standard |
| 18 | Before a final purchase decision, I like to organize each option's advantages and disadvantages. | 2／Standard |
| 19 | For enjoyable purchases, I am drawn to things I can enjoy with someone else. | 3／Standard |
| 20 | When managing money, I like to decide on a repeatable routine. | 4／Standard |
Results use pre-edited text
Results combine 16 prepared type descriptions with axis notes. Answers are not sent to AI to generate a result. Both sides have strengths; types do not recommend financial products, investment amounts, or trading times.
Prototype revision log
27 October 2026: question and scoring specification 1. All 16 draft types, tie handling, and middle-score displays implemented. Interpretation of similar questions and independent psychometric validation remain incomplete.