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30 July 11 • 2013
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0
K. It is time to take a test
and learn how you shape up.
Are you ready? Here are the
questions. Answer the questions by
scoring in the range of 4 to 0 — giving
a 4 if you agree with the statement,
ranging down to a 0 if you totally
disagree. After you mark down the
numbers, I will tell you how to tabu-
late your score. Be sure not to peek at
the analysis before you do the
scoring!
❑ 1. I operate with a monthly
budget, so I know what my
monthly expenses are and
what my monthly income is.
❑ 2. A nice bar/bat mitzvah
party is a statement of love
for how proud I am of my
child.
❑ 3. I have a firm plan for
retirement.
❑ 4. I would send my child
to private school if it was
important to his or her education and
worry about how to pay for it later.
❑ 5. I'm concerned that I will not have
sufficient financial resources to retire.
❑ 6. I have children over 21 and still
provide them with support excluding
tuition.
❑ 7. I exercise daily.
❑ 8. I drive a car that is less than three
years old and the monthly payment is
more than $399.
❑ 9. When I get the Jewish News, the
first thing I look at is the obituaries.
❑ 10. I don't have any idea about ques-
tions 1, 3 and 5 because my spouse
takes care of that.
Scoring The Quiz
Now it is time to score. Total your score
for questions 1, 3, 5 and 7 and multiply
the total by 4 (maximum is 64).
Total your score for questions 2, 4,
6 and 8 and multiply the total by 3
(maximum is 48). Ignore numbers 9
and 10.
Subtract the even number tally from
the odd number tally. If the number is
negative, you're in big trouble finan-
cially. If the number is 36 or greater,
you have a good handle on your
finances and priorities from the stand-
point of financial stability — because
you are likely giving due consideration
to your future financial statement
when making current decisions. From
27 downward to negative numbers —
you need to focus more on your future.
So what about question 9? Well, if
you are a female older than 50, most
likely you answered "4"to
this question. It's just a
sign of the times. When
we were younger, we
looked to engagements,
then weddings, followed
by births and then bar/bat
mitzvahs. That's just how
it goes. If you are past 50,
you should be thinking
about your responses to
the other questions.
And that brings me
to question 10. If you
answered "4" to this, you need to
look in the mirror and ask yourself,
"What have I been thinking? I have to
look out for myself and make sure my
spouse has it together:'
Have you ever wondered how quiz-
zes are created? The psychological
foundation and underlying research
that supports the questions asked and
the conclusions drawn from the scor-
ing? I can speak to that issue, but only
for this quiz. The answer is nothing. I
made it up as I went, created the scor-
ing and the conclusions.
So was this a waste of your time? I
hope not. The questions are designed
to make you think about your life and
how you are going to proceed in the
future. Death may be a certainty, but if
we are fortunate and blessed with good
health and a long life, we need to make
sure we don't mess it up by failing to
plan for our later years.
❑
Ken Gross is an attorney with Thav Gross
and host of the Financial Crisis Talk Center
show that airs weekly at 9 a.m. Saturdays
on WDFN 1130 AM "The Fan" and 10:30
a.m. Sundays on MyTV20.