Money Bootcamp
Free budgeting test: check your money skills
A short test for every GetGuac Academy lesson, from your first budget to credit, debt, investing basics and taxes. Answer, see why, get your score, then fix the gaps with the lesson.
100 tests13 bootcamp exams900 questionsFree, no sign-up
Your bootcamp score--0 of 100 tests passed · 0 takenStart the first testScores stay in this browser. No sign-up needed.
Take a 9-question test
About 5 minutes per topic.
See why after each answer
Every question explains the right answer.
Score 70% to pass
Then take the track exam.
Start here
Where you stand, what you want and how GetGuac helps.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 1 | Know your money: a simple financial snapshot | 9 · 5 min | Not taken | Start |
| 2 | Turn a savings wish into a goal with a date | 9 · 5 min | Not taken | Start |
| 3 | Find everyday savings with GetGuac | 9 · 5 min | Not taken | Start |
| 4 | Small spending changes, more room for life | 9 · 5 min | Not taken | Start |
Budgeting and cash flow
A plan built from the month you actually had.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 5 | How to budget with the 50/30/20 rule | 9 · 5 min | Not taken | Start |
| 6 | How to build a zero-based budget in simple steps | 9 · 5 min | Not taken | Start |
| 7 | Sort your spending: fixed costs, flexible costs and choices | 9 · 5 min | Not taken | Start |
| 8 | Let your receipts reveal where your money goes | 9 · 5 min | Not taken | Start |
| 9 | Plan ahead with sinking funds | 9 · 5 min | Not taken | Start |
| 10 | Build a budget when your income changes | 9 · 5 min | Not taken | Start |
| 11 | Pause before you buy: manage impulse spending | 9 · 5 min | Not taken | Start |
| 12 | Keep more of your raise: avoid lifestyle inflation | 9 · 5 min | Not taken | Start |
| 13 | Make a monthly money check-in work for you | 9 · 5 min | Not taken | Start |
| 14 | Read your utility bill and find ways to use less | 9 · 5 min | Not taken | Start |
Emergency fund and savings
A cushion that stops surprises becoming debt.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 15 | Size your emergency fund for real life | 9 · 5 min | Not taken | Start |
| 16 | Is it an emergency? Decide before you spend | 9 · 5 min | Not taken | Start |
| 17 | Find room in your budget for an emergency fund | 9 · 5 min | Not taken | Start |
| 18 | Give your cash three jobs: spending, buffer and emergencies | 9 · 5 min | Not taken | Start |
| 19 | Compare high-yield savings beyond the headline rate | 9 · 5 min | Not taken | Start |
| 20 | Rebuild your emergency fund after a setback | 9 · 5 min | Not taken | Start |
| 21 | See what inflation does to your cash savings | 9 · 5 min | Not taken | Start |
Smart spending
Groceries, bills and subscriptions, line by line.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 22 | Build a grocery budget you can stick to | 9 · 5 min | Not taken | Start |
| 23 | Make a grocery list that saves effort and waste | 9 · 5 min | Not taken | Start |
| 24 | Read a grocery receipt and spot pricing mistakes | 9 · 5 min | Not taken | Start |
| 25 | Review your subscriptions and stop paying for the unused | 9 · 5 min | Not taken | Start |
| 26 | Compare bills with confidence: prices, terms and tradeoffs | 9 · 5 min | Not taken | Start |
Refunds and receipts
Money still owed to you, and the proof to claim it.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 27 | Claim a refund and follow it until it arrives | 9 · 5 min | Not taken | Start |
| 28 | Check return deadlines before you buy | 9 · 5 min | Not taken | Start |
| 29 | How long should you keep each receipt? | 9 · 5 min | Not taken | Start |
| 30 | Keep receipts searchable: paper, digital and backups | 9 · 5 min | Not taken | Start |
| 31 | Find the receipts hiding in your email | 9 · 5 min | Not taken | Start |
Debt and credit
Borrow well, pay down fast and protect your score.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 32 | Judge debt by its purpose, rate and total cost | 9 · 5 min | Not taken | Start |
| 33 | Choose a debt payoff plan: avalanche or snowball | 9 · 5 min | Not taken | Start |
| 34 | Compare debt consolidation without missing the fees | 9 · 5 min | Not taken | Start |
| 35 | Use credit cards without carrying interest | 9 · 5 min | Not taken | Start |
| 36 | Understand what moves your credit score | 9 · 5 min | Not taken | Start |
| 37 | Check your credit report and question errors | 9 · 5 min | Not taken | Start |
| 38 | Protect your identity and know the recovery steps | 9 · 5 min | Not taken | Start |
| 39 | Respond to debt collectors with records and confidence | 9 · 5 min | Not taken | Start |
| 40 | Understand your student loan repayment options | 9 · 5 min | Not taken | Start |
| 41 | Compare car loans beyond the monthly payment | 9 · 5 min | Not taken | Start |
| 42 | Decode your mortgage payment: principal, interest, taxes and insurance | 9 · 5 min | Not taken | Start |
Money mindset
The habits and biases behind every money decision.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 43 | Understand loss aversion before it drives a money decision | 9 · 5 min | Not taken | Start |
| 44 | Step back from financial FOMO | 9 · 5 min | Not taken | Start |
| 45 | Give every dollar the same value: mental accounting explained | 9 · 5 min | Not taken | Start |
| 46 | Make future savings easier than today’s impulse | 9 · 5 min | Not taken | Start |
| 47 | Define enough and give your money a purpose | 9 · 5 min | Not taken | Start |
Funds and portfolios
How growth works and how funds are built. Education only.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 48 | See how compound interest builds over time | 9 · 5 min | Not taken | Start |
| 49 | Understand index funds, diversification and fees | 9 · 5 min | Not taken | Start |
| 50 | What is an ETF? Understand the basket behind a share | 9 · 5 min | Not taken | Start |
| 51 | Compare ETFs and mutual funds without the jargon | 9 · 5 min | Not taken | Start |
| 52 | Understand the S&P 500 and what it leaves out | 9 · 5 min | Not taken | Start |
| 53 | Explore total market funds and check the overlap | 9 · 5 min | Not taken | Start |
| 54 | Understand international diversification and currency risk | 9 · 5 min | Not taken | Start |
| 55 | Look beyond the story of a sector or thematic fund | 9 · 5 min | Not taken | Start |
| 56 | Understand a three-fund portfolio and rebalancing | 9 · 5 min | Not taken | Start |
| 57 | Learn dollar-cost averaging: a schedule instead of market timing | 9 · 5 min | Not taken | Start |
Stocks and the market
How shares, prices and markets work. Never stock picks.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 58 | What is a stock? Understand ownership and risk | 9 · 5 min | Not taken | Start |
| 59 | Compare common and preferred shares | 9 · 5 min | Not taken | Start |
| 60 | Follow a stock trade from quote to exchange | 9 · 5 min | Not taken | Start |
| 61 | Measure company size with market capitalization | 9 · 5 min | Not taken | Start |
| 62 | Read dividend yield without mistaking it for a promise | 9 · 5 min | Not taken | Start |
| 63 | Decode the P/E ratio: price compared with profit | 9 · 5 min | Not taken | Start |
| 64 | Understand growth and value investing styles | 9 · 5 min | Not taken | Start |
| 65 | Follow an IPO from offer price to public trading | 9 · 5 min | Not taken | Start |
| 66 | Tell a stock split from share dilution | 9 · 5 min | Not taken | Start |
| 67 | Understand market rises, falls and recovery math | 9 · 5 min | Not taken | Start |
Retirement accounts
401(k), IRA, HSA, Social Security and withdrawals.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 68 | Understand your 401(k) and employer match | 9 · 5 min | Not taken | Start |
| 69 | Open the idea of an IRA: account first, investments inside | 9 · 5 min | Not taken | Start |
| 70 | Compare Roth and Traditional IRAs through the tax timing | 9 · 5 min | Not taken | Start |
| 71 | Understand the backdoor Roth IRA and its tax pitfalls | 9 · 5 min | Not taken | Start |
| 72 | Understand an HSA’s tax benefits and receipt records | 9 · 5 min | Not taken | Start |
| 73 | Explore how claiming age changes Social Security benefits | 9 · 5 min | Not taken | Start |
| 74 | Use the 4% rule as a starting point, with its limits | 9 · 5 min | Not taken | Start |
| 75 | Plan for required minimum distributions | 9 · 5 min | Not taken | Start |
| 76 | Check the costs and commitments of early retirement withdrawals | 9 · 5 min | Not taken | Start |
Taxes
Brackets, deductions, gains and records, explained plainly.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 77 | Read tax brackets one layer at a time | 9 · 5 min | Not taken | Start |
| 78 | Tell a tax credit from a tax deduction | 9 · 5 min | Not taken | Start |
| 79 | Compare the standard deduction with itemizing | 9 · 5 min | Not taken | Start |
| 80 | Check sales tax before the receipt surprises you | 9 · 5 min | Not taken | Start |
| 81 | Keep the receipt records that matter at tax time | 9 · 5 min | Not taken | Start |
| 82 | Understand why holding time changes capital gains taxes | 9 · 5 min | Not taken | Start |
| 83 | Understand tax-loss harvesting and the wash-sale rule | 9 · 5 min | Not taken | Start |
| 84 | Plan for taxes as a W-2 employee or 1099 contractor | 9 · 5 min | Not taken | Start |
| 85 | Keep charitable giving records and understand the tax rules | 9 · 5 min | Not taken | Start |
| 86 | Know when your taxes need a professional | 9 · 5 min | Not taken | Start |
Housing and real estate
Big decisions, run with the real numbers.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 87 | Compare renting and buying with the full costs | 9 · 5 min | Not taken | Start |
| 88 | Check home affordability with the 28/36 guideline | 9 · 5 min | Not taken | Start |
| 89 | Balance your down payment, PMI and cash cushion | 9 · 5 min | Not taken | Start |
| 90 | Count closing costs before you buy a home | 9 · 5 min | Not taken | Start |
| 91 | Build a home repair reserve before something breaks | 9 · 5 min | Not taken | Start |
| 92 | Explore shared housing costs and landlord responsibilities | 9 · 5 min | Not taken | Start |
| 93 | Understand REITs: property exposure through investments | 9 · 5 min | Not taken | Start |
Protection and estate planning
Insurance, wills and the people who depend on you.
| # | Test | Questions | Your best | Start |
|---|---|---|---|---|
| 94 | Compare term and whole life insurance by the need | 9 · 5 min | Not taken | Start |
| 95 | Understand how disability insurance protects income | 9 · 5 min | Not taken | Start |
| 96 | See where umbrella liability insurance fits | 9 · 5 min | Not taken | Start |
| 97 | Understand what a will and living trust each do | 9 · 5 min | Not taken | Start |
| 98 | Choose who can act with powers of attorney | 9 · 5 min | Not taken | Start |
| 99 | Plan college savings with a 529 account | 9 · 5 min | Not taken | Start |
| 100 | Teach money skills with small choices and visible goals | 9 · 5 min | Not taken | Start |
About the Money Bootcamp
Is the money bootcamp free?
Yes. Every test and exam is free, with no account or sign-up. Your scores are kept in this browser only.
How is each test scored?
Each lesson test has 9 multiple-choice questions. You see the right answer and an explanation as you go, then a percentage score at the end. 70% or more is a pass.
Where do the questions come from?
Each test checks one GetGuac Academy lesson: its practice questions, key ideas, action plan and the mistakes it warns against. Read the lesson first if a test feels hard.
Is this financial advice?
No. The bootcamp is general education. Investing, stock and retirement topics explain how things work and never recommend a product or a stock.