Personal Finance – 5 min research survey

This anonymous survey looks at how people experience different areas of personal finance — saving, debt, investing, credit, and more. There is no product, signup, or follow-up unless you opt in at the end. It takes about 5–7 minutes.

Q1 - Which of the following areas, if any, are currently part of your financial life? Select all that apply.

Paying down existing debt

Building or maintaining an emergency fund

Improving or maintaining my credit score

Managing or growing existing investments

Q2 - Which one of these feels most top-of-mind for you right now?

Paying down existing debt

Building or maintaining an emergency fund

Improving or maintaining my credit score

Saving consistently

Starting to invest

Managing or growing existing investments

Q3 - When you think about this area, how does it typically make you feel?

Q4 - If nothing changed in this area over the next 12 months, how would that feel?

Q5 - Which statement best describes your situation in this area?

I haven't seriously tried to change this yet

I've tried a few times but didn't stick with it

I've tried multiple approaches and still struggle

I'm unsure what to try next

It's improving steadily

Q6 - What's the #1 thing you wish you had better clarity or help with when it comes to your finances?

Q7 - What do you currently use to manage your money? Select all that apply.

Spreadsheet

Budgeting or finance app (e.g. YNAB, Monzo, Emma, Mint, Copilot)

Q8 - If you've tried a budgeting or personal finance app before, what made you stop using it — or made it less useful over time? Select all that apply.

Too much setup / effort to maintain

Just showed me data — didn't tell me what to do with it

Felt generic — not relevant to my actual situation

Didn't trust it with my bank details

I'm still using one actively

I've never tried one

Last few questions — slightly broader now.

Q9 - Have you experienced any major life events in the last 12 months? Select all that apply.

New job or promotion

Got married / partnered

Had or expecting a child

Bought or moved home

Job loss or income drop

Divorce or separation

Q10 - If you found something that reliably helped you make progress in this area, which best describes your mindset?

I would use free tools only

I would pay if it clearly worked

I would invest seriously to resolve this

I wouldn't spend money on this

Background questions — these help us interpret the results.

Country of residence

What's your current life stage? Pick the one that fits your reality — not your age.

Launching — first job, student debt, figuring it out

Building — career growing, starting to save seriously

Nesting — home, partner, kids — peak complexity

Peak earner — max income, focused on building wealth

Pivoting — career change, reset, major life shift

Coasting — pre-retirement, shifting to preservation

Employment situation

How predictable is your monthly income?

Which best describes how your month typically ends financially?

Approximate annual household income

Approximate liquid savings (excluding pension / retirement accounts)

Number of people financially dependent on you

What are the biggest drivers of your monthly expenses? Select up to 2.

Housing (rent or mortgage)

Childcare or dependents

Do you currently carry any of the following? Select all that apply.

Credit card balances

How would you describe your financial knowledge?

Anything else you'd want the people building this to know?

Would you be open to a 20-minute conversation about your experience with money? We'd reach out by email — no obligation, fully anonymous until you agree.

Yes — happy to chat