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What This Tool Does

The Conscious Spending Assessment reveals whether your spending actually aligns with your stated values. Most people believe they spend according to their priorities — this tool shows you whether that's true.

How It Works

You'll rank 8 life values, then answer behavioral questions about your spending patterns. The assessment compares your stated values against your revealed spending priorities to calculate an alignment score and identify specific gaps.

What Makes This Different

Unlike budgeting tools that track dollars, this assessment reveals the psychology of your spending. It answers the question: "Is my money going where I say it matters?"

Calculation Methodology

• Values are ranked 1-8 based on your input
• Spending signals are calculated from behavioral responses (funded, resisted, or neutral)
• Conflicts are identified when top values show resistance or bottom values show strong funding
• Alignment score starts at 100% and deducts for each conflict based on severity

What Happens Next

Based on your specific gaps, you'll receive personalized recommendations for which FMP tools to use next — whether that's the Pay Yourself First Calculator to realign allocation, the Emergency Fund Calculator to build security, or the Lifestyle Inflation Calculator to protect your alignment as income grows.

Important Disclosures

• This tool provides educational information and general guidance only. It does not constitute personalized financial advice.
• Your individual circumstances may require different strategies.
• Consult with a qualified financial advisor before making significant financial decisions.
• Raymond Sura is a licensed financial professional (CRPC®, EA) but this tool does not create an advisor-client relationship.

Why Values Matter

Your values are what you say matters most in life. Financial security. Family. Experiences. Health. Career. Growth. Giving. Freedom.

Most people can rank these in theory. But theory and reality often diverge.

What You'll Do

You'll rank 8 core life values from most to least important. This creates your "stated values" baseline — what you believe matters most.

This ranking becomes the standard against which your actual spending patterns are measured.

Beyond the Numbers

This isn't a budgeting exercise. You won't enter dollar amounts or connect bank accounts.

Instead, you'll answer behavioral questions that reveal where your money actually flows:

• What spending happens on autopilot?
• What do you resist spending on, even when you can afford it?
• What would you cut first if you had to?
• Where would extra money actually go?

The Insight

Your answers reveal your true spending priorities — which may differ significantly from what you think they are.

The Comparison That Matters

Your results show a side-by-side comparison: what you said matters most vs. where your spending patterns suggest your money actually goes.

You'll see:

• Alignment Score: 0-100% measure of values-spending correlation
• The Mirror Table: Value rank vs. spending rank for each category
• Gap Analysis: Where your money contradicts your stated values
• Your Fix: One specific action to close the biggest gap

Why This Matters

When spending contradicts values, it creates quiet stress. Alignment creates peace — even when resources are tight.