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{
  "slug": "uvilo360_09_money_004",
  "group": "uvilo360",
  "handle": "09_money",
  "version": 4,
  "date": "2026-02-09",
  "name": "Money (Financial Stability)",
  "icon": "piggy-bank",
  "image": "v1762648951/Illustrations/Ekaterina/money_domain",
  "description": "**Money** covers income generation, budgeting, savings, investments, financial literacy, and planning for long-term security. This dimension supports creating freedom, reducing stress, and building a solid foundation for future opportunities on a sound financial foundation.",
  "instructions": "This is not about polite budgeting tips—it is about exposing the truth of one’s financial literacy, discipline, mindset, and future resilience.",
  "analysisBotHandle": "analyze-life-domain-quiz",
  "sections": [
    {
      "name": "Foundations & Immediate Situation",
      "handle": "money_foundations",
      "questions": [
        {
          "handle": "satisfied_financial_situation",
          "type": "scale",
          "question": "How satisfied are you with your current financial situation?",
          "maxScore": 10,
          "weight": 5,
          "answers": [
            {
              "label": "Not satisfied at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely satisfied",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "reliable_source_of_income",
          "type": "boolean",
          "question": "Do you have a reliable, consistent source of income?",
          "maxScore": 7,
          "weight": 5,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 7
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 1
            }
          ]
        },
        {
          "handle": "describe_overall_one_sentence",
          "type": "freeform",
          "question": "How would you describe your overall relationship with money in one sentence?",
          "maxScore": 10,
          "weight": 5
        },
        {
          "handle": "maintain_monthly_actively_track",
          "type": "boolean",
          "question": "Do you maintain a monthly budget that you actively track?",
          "maxScore": 7,
          "weight": 5,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 7
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 1
            }
          ]
        },
        {
          "handle": "often_spend_beyond_means",
          "type": "multiple_choice",
          "question": "How often do you spend impulsively or beyond your means?",
          "maxScore": 10,
          "weight": 5,
          "answers": [
            {
              "label": "Almost never",
              "value": "A",
              "score": 10
            },
            {
              "label": "Occasionally",
              "value": "B",
              "score": 7
            },
            {
              "label": "Frequently",
              "value": "C",
              "score": 4
            },
            {
              "label": "Always",
              "value": "D",
              "score": 1
            }
          ]
        },
        {
          "handle": "confidence_tracking_expenses",
          "type": "scale",
          "question": "How confident are you in accurately tracking your expenses and cash flow?",
          "maxScore": 10,
          "weight": 2,
          "answers": [
            {
              "label": "Not confident at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely confident",
              "value": "10",
              "score": 10
            }
          ]
        }
      ]
    },
    {
      "name": "Savings, Investments & Security",
      "handle": "savings_investments",
      "questions": [
        {
          "handle": "emergency_fund_living_expenses",
          "type": "boolean",
          "question": "Do you have an emergency fund that could cover at least three months of living expenses?",
          "maxScore": 7,
          "weight": 2,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 7
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 1
            }
          ]
        },
        {
          "handle": "confident_ability_large_expenses",
          "type": "scale",
          "question": "How confident are you in your ability to handle unexpected large expenses?",
          "maxScore": 10,
          "weight": 3,
          "answers": [
            {
              "label": "Not confident at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely confident",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "contribute_to_investments",
          "type": "boolean",
          "question": "Do you consistently contribute to savings or investment accounts?",
          "maxScore": 7,
          "weight": 4,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 7
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 1
            }
          ]
        },
        {
          "handle": "what_strategies_guide_investing",
          "type": "freeform",
          "question": "What strategies or principles guide your saving and investing decisions?",
          "maxScore": 10,
          "weight": 3,
          "filterQuestion": "contribute_to_investments",
          "filterValues": [
            "N"
          ]
        },
        {
          "handle": "how_diversified_investments",
          "type": "scale",
          "question": "How diversified are your savings and investments?",
          "maxScore": 10,
          "weight": 3,
          "answers": [
            {
              "label": "Not diversified at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely diversified",
              "value": "10",
              "score": 10
            }
          ]
        }
      ]
    },
    {
      "name": "Debt & Obligations",
      "handle": "debt_obligations",
      "questions": [
        {
          "handle": "any_debts_that_cause_stress",
          "type": "boolean",
          "question": "Do you have any debts that cause you stress?",
          "maxScore": 7,
          "weight": 2,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 1
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 7
            }
          ],
          "filterQuestion": "describe_attitude_toward_debt",
          "filterValues": []
        },
        {
          "handle": "describe_attitude_toward_debt",
          "type": "freeform",
          "question": "How would you describe your attitude toward debt in general?",
          "maxScore": 10,
          "weight": 2,
          "filterQuestion": "any_debts_that_cause_stress",
          "filterValues": [
            "N"
          ],
          "autoFill": ""
        },
        {
          "handle": "effectively_managing_debt",
          "type": "scale",
          "question": "How effectively are you managing or reducing your debt?",
          "maxScore": 10,
          "weight": 3,
          "answers": [
            {
              "label": "Not effectively at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely effectively",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "actions_to_improve_debt",
          "type": "multiple_choice",
          "question": "Which best describes your current actions to improve your debt situation?",
          "maxScore": 10,
          "weight": 2,
          "answers": [
            {
              "label": "Aggressively paying down with a clear plan",
              "value": "A",
              "score": 10
            },
            {
              "label": "Steadily paying more than minimums",
              "value": "B",
              "score": 8
            },
            {
              "label": "Paying only minimums",
              "value": "C",
              "score": 4
            },
            {
              "label": "No consistent action",
              "value": "D",
              "score": 1
            }
          ]
        }
      ]
    },
    {
      "name": "Literacy & Planning",
      "handle": "financial_literacy_planning",
      "questions": [
        {
          "handle": "confident_in_financial_literacy",
          "type": "scale",
          "question": "How confident are you in your overall financial literacy?",
          "maxScore": 10,
          "weight": 3,
          "answers": [
            {
              "label": "Not confident at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely confident",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "review_financial_plan_annually",
          "type": "boolean",
          "question": "Do you actively review and adjust your financial plan at least once a year?",
          "maxScore": 7,
          "weight": 1,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 7
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 1
            }
          ]
        },
        {
          "handle": "how_prepared_for_life_milestones",
          "type": "scale",
          "question": "How prepared do you feel for major life milestones?",
          "maxScore": 10,
          "weight": 3,
          "answers": [
            {
              "label": "Not prepared at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely prepared",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "well_understand_financial_risks",
          "type": "scale",
          "question": "How well do you understand your insurance coverage and potential financial risks?",
          "maxScore": 10,
          "weight": 3,
          "answers": [
            {
              "label": "Do not understand at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Understand extremely well",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "sources_of_financial_education",
          "type": "freeform",
          "question": "What sources of financial advice or education do you rely on?",
          "maxScore": 10,
          "weight": 2
        }
      ]
    },
    {
      "name": "Long-Term Security & Freedom",
      "handle": "long_term_security",
      "questions": [
        {
          "handle": "have_retirement_savings_plan",
          "type": "boolean",
          "question": "Do you have a retirement savings or pension plan in place?",
          "maxScore": 7,
          "weight": 1,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 7
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 1
            }
          ]
        },
        {
          "handle": "confident_lifestyle_retirement",
          "type": "scale",
          "question": "How confident are you that you will maintain or improve your lifestyle in retirement?",
          "maxScore": 10,
          "weight": 3,
          "answers": [
            {
              "label": "Not confident at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Extremely confident",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "feel_financially_free",
          "type": "boolean",
          "question": "Do you feel financially free to make life changes without panic?",
          "maxScore": 7,
          "weight": 2,
          "answers": [
            {
              "label": "Yes, I do",
              "value": "Y",
              "score": 7
            },
            {
              "label": "No, I do not",
              "value": "N",
              "score": 1
            }
          ]
        },
        {
          "handle": "how_aligned_with_financial_goals",
          "type": "scale",
          "question": "How aligned are your current financial practices with your long-term goals?",
          "maxScore": 10,
          "weight": 4,
          "answers": [
            {
              "label": "Not aligned at all",
              "value": "0",
              "score": 0
            },
            {
              "label": "Perfectly aligned",
              "value": "10",
              "score": 10
            }
          ]
        },
        {
          "handle": "what_financial_freedom_look_like",
          "type": "freeform",
          "question": "What would financial freedom look like to you personally?",
          "maxScore": 10,
          "weight": 2
        }
      ]
    },
    {
      "name": "Psychological & Emotional Dimensions",
      "handle": "psychological_aspect_of_money",
      "questions": [
        {
          "handle": "how_often_finance_affects_health",
          "type": "multiple_choice",
          "question": "How often do financial worries affect your health?",
          "maxScore": 10,
          "weight": 3,
          "answers": [

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