Your quick tour through what actually works

If you've ever wondered whether that little streaming app really costs "nothing," whether you need a pile of cash to start investing, or if closing an old credit card will magically boost your score -- you're in the right place. This short, friendly quiz is built to poke holes in the money myths we inherit from headlines, hearsay, and well-meaning but oversimplified advice. Expect clear takeaways, practical nudges you can use immediately, and a few "aha" moments that cut through the noise.

Why this quiz exists: personal finance advice is full of memorable one-liners ("save three months' expenses," "never pay interest," "Roth is always better") that work as quick rules of thumb -- until they don't. Our goal isn't to lecture or scare you; it's to help you spot the nuance behind those rules so you can make smarter choices that actually fit your life. Think of this as myth-busting with a purpose: learn the right question to ask next, not a complicated checklist to memorize.

What you'll get out of it

• Clear explanations that show why an idea is true or false, not just which it is.
• Tiny, doable tips you can act on right away (audit subscriptions, capture the employer match, pay more than the minimum).
• A sense of which topics deserve more attention in your budget or financial plan -- and which advice you can safely ignore.

Sneak-peek teasers (what we'll poke at)

• "You must have $5,000 to start investing." -- Spoiler: you don't. We'll explain the modern tools that let beginners start small.
• "A 0% balance transfer always saves money." -- Sounds great, but fees and promo limits matter. You'll learn the cost-benefit question to ask.
• "Keeping a small balance helps your credit score." -- Sometimes true, sometimes harmful -- it depends on utilization and payment timing.
• "Autopay fixes late fees forever." -- Autopay helps, but blind autopay can keep paying for services you don't use.
• "Roth is always better than Traditional." -- Not necessarily; it's about tax timing and your personal outlook.
• "No-fee checking is always the cheapest account." -- Often fine, but watch indirect costs like ATM fees and lost interest.
  

How the quiz works (quick)

Each question presents a common claim and multiple-choice options. For every item you'll get a short, plain-English explanation that clarifies the reasoning -- sometimes with a quick number line to make costs or benefits concrete. No legal or tax advice here: just general, practical education meant to help you think smarter, not replace a professional.

After the quiz

Take a moment to review any explanations that surprised you and decide on one small follow-up action (cancel one unused subscription, set up an extra payment toward a credit card, or start a tiny recurring investment). Small, repeated steps are what create real change.

Final note

Money myths are sticky because they simplify complexity. This quiz doesn't pretend life is simple -- it helps you spot when simple rules mislead and gives realistic alternatives you can actually use. Ready to bust some myths and keep more of your money working for you?

Let's go.