When you take the LifeValues quiz, you will receive your individual scores for each of the four domains. Your individual scores are customized based on your responses to the quiz, and are the best scores to use when evaluating your personal financial values.

Use the general LifeValues interpretation framework below to familiarize yourself with the four domains and their implications in financial decision making.

LifeValues Scoring

The Four Domains

In general, scores can be interpreted in this way:

Inner LifeValues (the “I” score)

High I. If you scored very high here, you value identity, autonomy, safety and security. Taking charge of your finances can give you the peace of mind you require in a dynamic global village and a challenging economy. You prefer to make your own decisions as a means of self-expression. 

You have a clear sense of self. Whether you are yet a disciplined saver or not, you know that financial security can be a key to personal fulfillment. You “invest” in self-expression, seek your own sense of purpose and want an environment that reflects “who you really are.” You are concerned with doing whatever you can to achieve your goals and make your dreams come true. You are more concerned with your own future well-being with less regard for others’ needs or demands.

Low I. A very low “I” score suggests that you might see your financial decisions through the eyes of someone else, perhaps deferring to someone else's expectations about your earning, spending, saving and investment patterns. Consider whether that type of decision making is actually providing comfort for you.

You spend your money on other people or to achieve a particular lifestyle. You might enjoy finding a bargain, but you also might unwittingly be depriving yourself. Your plans for your future might be hard to finance and secure because they are not fully developed.

Social LifeValues (the “S” score)

High S. A high “S” score usually indicates that your chief concerns involve family needs or preferences of friends. Are you caring for an aging parent, saving for a child’s college fund, or trying to keep pace with an active social circle?  Individuals with high “S” scores generally live and finance interactive, perhaps supportive, lifestyles. 

You probably look after the needs of others as much or even more than your own. You seek to work and play with people you care about. You probably make financial decisions mostly to nurture relationships. You budget with the needs and well-being of loved ones in mind. You might make investment and other financial choices because trusted individuals advise you to do so. Your financial goals involve family and/or your community.

Low S. A very low “S” score, on the other hand, might indicate that you live alone, enjoy solitude, and really value financial independence.

You may be a loner and tend to make financial decisions - wise or not- in your own self interests. Your spending may be guided by lifestyle or the need for self-expression, but it is not related to the needs or wants of others. You save to honor personal goals rather than to ensure a certain type of family or community lifestyle in your retirement years.

Physical LifeValues (the “P” score)

High P. A high “P” score suggests concern with your health and physical surroundings, perhaps your home or the home you dream of owning. Wise financial planning will support your attempts to maintain a comfortable lifestyle, enjoying the tangible benefits you value. 

It also indicates an interest in comfort and beauty beyond mere functionality. You seek an income and cash flow that helps you achieve a certain lifestyle or standard of living. You value prosperity in order to enjoy material goods and comfort. Your main goal in earning and spending is to enjoy life in your home and surroundings. As you invest in your savings and retirement accounts, you are likely to be planning for a comfortable future with the time and place where you can enjoy your retirement lifestyle. If you’ve been spending too much, better start saving now.

Low P. A very low “P” score might indicate you are always on the go, more interested in experience than environment, one who tends not to collect “things.” Material pleasures and consumables have little interest for you.

Others might question your lifestyle, but you are more focused on people or job satisfaction than on keeping up with the Joneses. You are likely to spend on behalf of others or in order to ensure your safety or self-expression. Saving is, for you, a way to protect family needs or self-fulfillment. A modest retirement might work out just fine for you.

Financial LifeValues (the “F” score)

High F. If you scored high in this category, financial management is probably more important to you already, or you are strongly inclined to learn to handle your finances more effectively. Developing your financial skills will honor this value and maximize your knowledge and interest in things financial. 

You probably like your job mostly for its financial benefits. When you spend money or invest, knowing you are getting value gives you pleasure. You make financial plans for long-term security and short-term goals. Your financial decisions are “hands on.” You also value accuracy, organization, and discipline in the financial professionals and organizations that you deal with.

Low F. If you scored very low in the “F” category, you probably make your financial decisions impulsively or at least subjectively. You might be using money to satisfy your social or physical preferences, and that’s just fine al long as you can afford to do this. Consider as well that you might be neglecting your need to save, invest and spend wisely because these concerns are not of high enough value to you. Budgeting is annoying to you, and you have little interest in investing or in balancing your accounts. Your spending is aimed at rewarding relationships or a comfortable lifestyle; job satisfaction drives your work. You might be susceptible to impulsive buying. You probably are not a faithful saver unless you establish automatic systems to do this for you. Money topics are not likely to be enjoyable to read or discuss.  Remember, however, if your Financial LifeValue score is low, think carefully about whether the consequences of a spending decision will help you or hurt you. If the answer is that it will hurt you, make a different choice!

Interpreting a Balanced LifeValues Profile

Scoring fairly evenly across all categories suggests a balance among relationships and independence, community and privacy. It might mean that you value your job for everything it offers: great co-workers, good compensation, and pleasant working conditions. You probably are handling your earning, spending and saving habits well - or at least well enough to provide a sense of comfort. Each category impacts your capacity for decision making.

Interpreting Higher and Lower Scores

Domains with higher scores (10+) might drive your financial and other decisions. Domains with lower scores (0-4) may indicate that particular part of the decision-making process is playing a minor (but possibly important) role in your choices.