Financial sentiment measures were conducted to understand participants’ feelings/attitudes toward money,
and level of confidence when making financial decisions.

Participants add up their totals from each survey page and then calculate a grand total score. Based on this calculation,
they determine one of the following three levels into which they fall:
Zero to 11 points – these participants feel confident and secure about their ability to make financial decisions, and about
their current and future financial situations; financial matters cause them little stress. Their direction is to continue
monitoring a true picture of their finances and maintain good financial habits.
12 to 24 points – participants at this level are not completely confident about their ability to make financial decisions, or
about their current and future financial situations. However, they are not overly anxious about money. Financial matters
may cause them a modest amount of stress, but typically do not interfere with their ability to enjoy life. They may not
always feel that their finances are under their control, so the guidance is for them to identify exactly why they don’t feel
confident about managing their money, and address the systems they’re lacking.
25 to 37 points – these individuals lack confidence in their ability to make financial decisions and often feel anxious
about their current and future financial situations. Financial matters cause them a great deal of stress. They may feel out
of control because they don’t have a budget or because they don’t know where their money is going each month. These
participants would benefit from learning how to create a budget so every dollar they earn has a job to do, and committing
to a plan for achieving financial health.