What Is Your Emotional Money Score?

What Is Your Emotional Money Score? Suze Orman's 20 Questions To Determine If You Are In Control Of Your Money Or If It's In Control Of You

Kaili Killpack  Mon, May 19, 2025  Benzinga

Do your emotions drive your financial decisions — or do you stay calm and calculated no matter what's happening in the market or your bank account? According to personal finance expert Suze Orman, understanding the emotional side of money is one of the most powerful steps you can take toward long-term financial security.

On a recent episode of her "Women & Money" podcast, Orman introduced listeners to the "Emotional Money Score," a self-assessment tool that helps people measure how much their emotions are influencing their financial choices.

Why Emotions Matter in Money Management

Orman has long emphasized that fear, shame, and anger are internal obstacles that can sabotage financial success. These feelings can prompt impulsive decisions — like spending money you don't have or avoiding bills out of anxiety. Even the best financial plan can fall apart if emotions take the driver's seat.

She reminds listeners: "Money alone isn't the key to true financial freedom...It’s your mindset, your emotions, and your willingness to face the truth."

How the Emotional Money Score Works

To help listeners get a better handle on their emotional habits around money, Orman presented a 20-question quiz. Each question gives you four choices – A, B, C or D – with each letter representing a different emotional response to a common financial situation — such as facing an unexpected expense, setting goals, or talking about money with loved ones.

Once you’ve answered all 20 questions, you assign points to each response:

A = 3 points

B = 1 point

C = 0 points

D = 2 points

Then total your points to calculate your Emotional Money Score.

Take the Emotional Money Score Quiz

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

1.   When you think about your finances, which emotion do you feel most often?
 A. Calm and in control
 B. Anxious or fearful
 C. Indifferent or avoidant
 D. Excited but sometimes impulsive

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