Personal Resiliency Assessment Quiz

The word "resilience" has been used frequently since the events of September 11, 2001. Children, families, communities, and the nation as a whole have all been described as resilient, or having the ability to function well despite experiencing highly stressful events. In everyday language, resiliency is the ability to "roll with the punches" and cope with life events, both negative (e.g., health problems) and positive (e.g., birth of a child). Some stressful events, such as unemployment, divorce, widowhood, and disability, affect people individually. Others, such as layoffs, plant closings, and acts of terrorism, affect large groups of people or society as a whole.

Resiliency varies from person to person according to the situation at hand and personal resiliency resources. Two people can experience exactly the same situation but handle it very differently. How easily could you handle a health, financial, or other type of life crisis? Take the quiz below to find out.

Note: By taking this quiz you will be contributing to a study on resiliency resources. Your results will be recorded anonymously. We are not collecting any identifying information. You will need to complete each survey question and each demographic question in order to receive your score.

Financial Resources


I have an "emergency" fund of at least three months expenses set aside in a liquid account such as passbook savings or a money market mutual fund.


I have a low-interest home equity line of credit (or other low-cost source of funds) established that can be tapped in the event of an emergency.


My monthly consumer debt-to-income ratio (total of monthly consumer debt payments / monthly take-home pay) is less than 15%.


I have a long-term disability insurance policy that will replace at least half of my income if I am unable to work due to accident or illness.


I am covered by a health insurance policy with a high ($1 million or an unlimited amount) per person limit for major medical expenses.


I keep my job skills current through formal education, on-the-job training, professional meetings, and other methods.


I have recommended estate planning documents such as a will, living will, and durable power of attorney (answer "Sometimes" if you have some of these documents but not all of them).


I spend less than I earn and regularly make deposits into saving or investment accounts.


I am the beneficiary of a life insurance policy owned by another person (e.g., spouse) and/or I own a life insurance policy that protects my dependents.


I have a tax-deferred retirement savings plan (e.g., 401(k) or 403(b) or IRA) to which I make regular deposits and from which I could borrow or withdraw money if I had to.

Social/Community Resources


I have at least 5 close friends or family members that I could call to help me in the event of an emergency or a crisis.


I am aware of government and non-profit agencies in my community that could assist me if I was in need.


I have regular physical exams by my doctor and health screening tests at recommended intervals.

Personal Resources


I am able to easily search for needed information on the Internet or at the public library.


I would describe myself as a "positive" (optimistic) person and am often heard to say "it could have been a lot worse" when bad things happen.


I would describe myself as an "organized" person who can juggle many tasks and stay on top of everything. My household papers (e.g., health and financial records) are well organized and I can find specific pieces of information easily.


I would describe myself as a "focused" person. When I make up my mind to do something, I somehow figure out a way to get it done.


I would describe myself as being "in good health" with good nutrition, adequate exercise and sleep, and no major health problems. (answer "Sometimes" if you can answer yes to some of these things, but not all of them).


I would describe myself as having good stress management skills and an ability to handle crises and unexpected events.


I consider myself "literate" with a good ability to read and write and understand basic health and financial terminology.

Demographic Data


What is your gender?


What is your current age in years?




What is the highest level of education you have completed?


What is your income level?


What is your race/ethnicity?


What is your marital status?

(leave this field blank)

  1. Rutgers
  2. Executive Dean of Agriculture and Natural Resources
  3. School of Environmental and Biological Sciences