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Before you begin

Answer 20 official CFPB statements as honestly as you can. There are no math problems and no right or wrong answers.

Ask a teacher, parent, or trusted adult for reading help if you need it. Do not enter a name, class, date, or other identifier.

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Choose how much you agree or disagree with this statement.

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Middle school brings more chances to make independent choices about saving, spending, earning, and borrowing. Students may understand a rule in class yet find it harder to follow when friends, short-term wants, or an unfamiliar decision are involved. Financial capability joins knowledge with the habits and self-control needed to use it.

The Consumer Financial Protection Bureau (CFPB) middle-school Map your money journey survey gives students in grades 6–8 a structured way to reflect on that development. Its 20 statements are divided among planning and self-control, money habits and values, and money knowledge and choices. Together, these building blocks cover persistence, goal setting, saving, resisting social pressure, tracking money, comparing options, budgeting, safe money handling, and basic borrowing awareness.

Planning and self-control
Six statements about patience, focus, planning ahead, and following through.
Money habits and values
Eight statements about saving, spending plans, tracking money, goals, and values around possessions.
Money knowledge and choices
Six statements about researching purchases, protecting money, budgeting, saving, earning, and repaying borrowing.

The survey is developmental feedback rather than an exam. A result can help a student and trusted adult recognize something that is going well and choose a skill to practice. It does not measure family resources, opportunity, income, or every real-world financial behavior.

Answers describe the student's view at one point in time. They must not be used for grading, ranking, discipline, diagnosis, credit decisions, eligibility, selection, or prediction. Privacy and a nonjudgmental setting are important because pressure to look capable can change self-report answers.

How to Use This Tool:

The student should answer independently where possible, with an educator, parent, or trusted adult available to explain unfamiliar words without choosing a response.

  1. Select Start survey and respond to each statement with Agree, Mostly agree, Mostly disagree, Disagree, or I don't know.
  2. Answer from current habits and understanding. Do not collect a name, date, class, school, or other student identifier alongside the responses.
  3. Finish all 20 items. Use the review step to correct an accidental choice; changing Answer review order or showing Response value does not alter scoring.
  4. Compare the overall result with the three building-block results. Use a stronger area as encouragement and a lower area to select a realistic learning activity.

Interpreting Results:

Starting out, On the road, and Well on your way are official worksheet labels for score ranges. They describe progress in the surveyed skills and behaviors. They are not performance grades and should not be turned into labels for a student.

  • Start with the three building blocks. They show whether planning, habits, or knowledge is contributing most to the overall result.
  • Review individual answers before deciding what to practice. A part total can combine confident answers, uncertain answers, and genuine gaps in different ways.
  • Choose a concrete next activity, such as comparing purchase options or tracking spending, instead of trying to raise a number for its own sake.

For comparison over time, use the same grade-level form, similar adult support, and a similar setting. A later increase may reflect learning, greater confidence, or a different reading of the statements; the survey alone cannot separate those causes.

Technical Details:

Every statement uses the same official response-value key: Agree = 5, Mostly agree = 4, Mostly disagree = 3, Disagree = 2, and I don't know = 1. Higher totals therefore represent more endorsement of the financial-capability skills and behaviors described by the statements.

Formula Core:

The three part totals sum disjoint sets of items. The overall result is their sum, so each of the 20 responses contributes once and has equal weight.

P=∑i=16pi,6≤P≤30 H=∑i=18hi,8≤H≤40 K=∑i=16ki,6≤K≤30 O=P+H+K,20≤O≤100

P is planning and self-control, H is money habits and values, K is money knowledge and choices, and O is the overall money journey result. No average, weighting, or rounding step is applied.

Rule Core:

ResultStarting outOn the roadWell on your way
Overall money journey20–4748–9091–100
Planning and self-control6–1415–2728–30
Money habits and values8–1920–3637–40
Money knowledge and choices6–1415–2728–30

Privacy and Use Limits:

Responses remain only in the current browser tab. They are not transmitted, stored, or placed in a shareable URL. Restarting or reloading clears them. If a result is exported, store it according to the same privacy expectations used for other student work.

Use results to guide learning, not consequences. A lower result may show a topic that has not yet been taught, limited experience with a situation, uncertainty about wording, or a skill that needs practice. None of those possibilities can be resolved from the total alone.

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