> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cfosilvia.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Financial literacy quiz experiment

# Financial Literacy Quiz SEO Experiment

## Delivery status

* Route: `/financial-literacy`
* Status: implemented on `seo-financial-literacy-test`; not published to production
* Published: no
* Sanity changes: none
* Existing published articles modified: none
* Quiz version: `2026-08-19`
* Author shown on page: Bilal Dhouib
* Review attribution shown on page: Silvia
* Primary conversion: create a free Silvia account after viewing an ungated result
* Outbound email, SMS, or notification behavior: none

The signup CTA uses Silvia's existing Clerk account flow. It captures an email as
part of account creation and adds quiz attribution to the URL and PostHog event.
This experiment does not create a newsletter list or send a nurture message.

## SEO strategy

### Search intent

The target query has mixed informational and interactive intent. A searcher may
want a definition of financial literacy, a test, an explanation of why the topic
matters, or resources for improving weak areas. The page therefore combines:

1. An indexable definition and educational guide.
2. An 18-question interactive test.
3. An immediate score and category breakdown.
4. A complete answer review with primary sources.
5. Internal links to relevant Silvia calculators.
6. A product CTA after value has been delivered.

### Target terms

| Role | Keyword |
| - | - |
| Primary | financial literacy |
| Secondary | financial literacy test |
| Secondary | financial literacy quiz |
| Secondary | financial IQ test |
| Secondary | personal finance quiz |
| Secondary | money knowledge test |

The supplied brief included the following estimated U.S. monthly search volumes:

| Keyword | Estimated monthly searches |
| - | -: |
| financial literacy | 33,100 |
| financial literacy test | 1,000 |
| financial literacy quiz | 480 |
| money personality quiz | 480 |
| financial stress test | 320 |
| risk tolerance quiz | 210 |
| personal finance quiz | 140 |

These are planning estimates from the brief, not measured traffic or a ranking
promise. The implementation validates the mixed search intent against current
pages and sources. Exact current volume should be rerun in SEOData.dev or Google
Ads Keyword Planner before a launch forecast is approved.

### Slug and metadata

* Canonical host: `www.cfosilvia.com`; route: `/financial-literacy`
* H1: `How Strong Is Your Financial Literacy?`
* Indexable article copy appears before and after the interactive client component.
* Structured data includes `Article`, `WebApplication`, `BreadcrumbList`, and
  `FAQPage`, with the FAQ schema generated from the same authored entries that
  are visibly rendered on the page.
* Education Q\&A quiz markup is intentionally omitted because Google's supported
  quiz treatment is for flashcards, not this multiple-choice assessment.

### Internal linking

The page links to the budget, compound interest, debt payoff, and net worth
calculators. This feature does not modify the calculator directory, sitemap, or
other pre-existing routes.

## Benchmark walkthroughs

### NerdWallet financial literacy quiz

Walkthrough date: August 19, 2026.

* Completed all 10 questions through the embedded single-question interface.
* Used the first listed answer for questions 2 through 10 and the correct answer
  for question 1, producing a 4 out of 10 result.
* The experience shows one question at a time with Back and Next controls.
* The result presents three score bands and a retake action.
* The result does not show a category breakdown or explain each answer.
* The surrounding page contains substantial editorial copy, author information,
  review signals, and related learning links.

Product implication: keep the focused step-by-step interaction and hybrid article
format, then improve the result with category diagnostics and sourced explanations.

### Consolidated Credit basic financial literacy test

Walkthrough date: August 19, 2026.

* Completed all 20 radio groups and submitted the form.
* Selected the first answer in every group, producing 4 out of 20, or 20%.
* All questions appear in one long form.
* Submitted answers are marked right or wrong and the correct choice is highlighted.
* Feedback relies heavily on color and does not provide an explanation per question.
* The learning CTA appears before the test and a counseling CTA appears after it.

Product implication: retain the complete answer visibility, but add text labels,
icons, explanations, source links, and a shorter one-question-at-a-time flow.

### Institutional references

* OECD PISA organizes financial literacy across money and transactions, planning
  and managing finances, risk and reward, and the financial landscape. Its items
  emphasize practical reasoning and interpreting financial information.
* CFPB distinguishes financial knowledge from the skill required to apply that
  knowledge. The public score is therefore described only as a knowledge score.
* The 2026 TIAA Institute and GFLEC P-Fin Index spans earning, consuming, saving,
  investing, borrowing, insuring, comprehending risk, and information sources.
  Its 2026 research found risk comprehension was the weakest area on average.

## Assessment design

### Format

* 18 multiple-choice questions
* Four options per question
* One best answer per question
* Approximately five minutes
* No sensitive financial data
* Seven category scores
* Full answer review
* Primary source attached to every explanation

### Question key

| # | Category | Question focus | Correct answer | Source |
| -: | - | - | - | - |
| 1 | Cash flow | Monthly cash flow math | \$650 left over | CFPB Budgeting |
| 2 | Cash flow | Irregular income | Conservative income estimate plus buffer | CFPB Your Money, Your Goals |
| 3 | Cash flow | Bill timing | Move eligible due dates closer to payday | CFPB due-date guidance |
| 4 | Credit and debt | Comparing loans | APR | CFPB APR guidance |
| 5 | Credit and debt | Carrying a card balance | Can create interest and is not required to build credit | CFPB credit card education |
| 6 | Credit and debt | Payoff order | Highest interest rate first after minimums | CFPB debt worksheet |
| 7 | Saving | Emergency fund location | Liquid, accessible, low-risk account | CFPB emergency fund guide |
| 8 | Saving | Compound interest | Interest can earn interest | Investor.gov |
| 9 | Investing | Diversification | Spread exposure and reduce concentration | Investor.gov |
| 10 | Investing | Risk and return | Higher potential return generally has higher risk | Investor.gov |
| 11 | Investing | Time horizon | Time until funds are needed affects tolerable volatility | Investor.gov |
| 12 | Taxes | Marginal tax brackets | Higher rate applies only to that income layer | IRS |
| 13 | Taxes | Credits and deductions | Credit reduces tax due, deduction reduces taxable income | IRS |
| 14 | Risk and protection | Insurance deductible | Policyholder amount before covered benefits apply | NAIC |
| 15 | Risk and protection | Phishing | Contact the bank through a known channel | FTC |
| 16 | Risk and protection | Expected return | 3% | TIAA Institute and GFLEC |
| 17 | Planning | Net worth | Assets minus liabilities | CFPB |
| 18 | Planning | Measurable goal | Save \$3,000 by December 31 | CFPB |

### Scoring

Every question has equal weight.

`score = round(correct answers / 18 * 100)`

| Score | Band |
| -: | - |
| 0 to 39 | Foundation builder |
| 40 to 59 | Developing knowledge |
| 60 to 79 | Financially informed |
| 80 to 100 | Strong financial literacy |

Category percentages are calculated independently as correct answers divided by
questions in that category. When every category has the same percentage, the UI
reports the tie instead of inventing a strongest or weakest topic, and attribution
uses `tie`. The page states that the score is proprietary, educational, and is not
a national percentile, financial health score, credit score, or advice.

## Funnel and attribution

1. Searcher lands on the indexable page.
2. Searcher starts without creating an account.
3. Searcher receives the complete result without a gate.
4. Searcher reviews explanations and learning links.
5. Searcher sees the bridge: knowledge is separate from actual financial data.
6. Searcher clicks `Create a free account`.
7. The CTA opens Clerk signup with `plan=free`, `ref=financial-literacy-quiz`,
   score band, strongest category, and weakest category in query parameters. A
   fully tied result records `tie` for both category parameters.
8. PostHog captures the same result attributes before navigation.
9. Existing signup and account-connection events can complete the funnel after
   PostHog merges the anonymous visitor into the identified account.

### Event catalog

| Event | Purpose |
| - | - |
| `financial_literacy_quiz_landing_viewed` | Eligible quiz landing session |
| `financial_literacy_quiz_started` | Quiz start |
| `financial_literacy_quiz_question_five_reached` | Early engagement checkpoint |
| `financial_literacy_quiz_completed` | Completion with score attributes |
| `financial_literacy_quiz_results_viewed` | Results exposure |
| `financial_literacy_quiz_signup_clicked` | Product CTA click |
| `financial_literacy_quiz_retake_clicked` | Repeat engagement |
| `financial_literacy_quiz_share_clicked` | Native share or clipboard share |

Primary business metric: first financial account connected by a quiz-originated
user. Supporting metrics include organic click-through rate, start rate,
completion rate, CTA click rate, signup rate, first account connection rate, and
seven-day and thirty-day return rate.

## Follow-on quiz roadmap

The original follow-on ideas are now implemented on the feature branch, along
with a retirement readiness assessment. They remain unpublished pending final
review and launch sequencing:

1. Retirement Readiness Quiz
2. Tax Intelligence Test
3. Investing IQ Test
4. Financial Planning Assessment
5. Debt Knowledge Quiz
6. Portfolio Knowledge Test

The full route map, question keys, conversion rules, retirement assumptions,
and skills-sync requirement are documented in
`docs/seo/financial-quiz-funnel.md`.

Later options include a money personality quiz and a financial well-being
assessment. A risk-tolerance quiz requires additional compliance review and must
not present its result as personalized investment advice.

## QA results

Completed August 21, 2026:

* Passed 17 focused Vitest assertions covering question integrity, category
  coverage, scoring boundaries, category diagnostics, malformed data, tied
  categories, signup attribution, and share copy.
* Passed targeted ESLint on every financial-literacy TypeScript and TSX file.
* Passed the full TypeScript compiler with no errors.
* The production build compiled successfully and completed lint and type
  validation. Page-data collection then stopped in the existing
  `/api/account/delete` route because local service credentials are absent. No
  quiz diagnostic was emitted.
* Removed the generated hero artwork and its metadata instead of shipping a
  visually unrelated 2 MB asset.
* Reduced the page coordinator from 520 to 142 lines and the quiz coordinator
  from 666 to 49 lines. State and side effects now live in focused hooks; intro,
  question, score, category, signup, and answer-review views are separate.
* Reduced page typography from five font families to Instrument Serif and DM Sans.
* Confirmed all feature UI colors use existing semantic theme tokens. No new
  theme variables or hardcoded color literals were added.
* Confirmed native button, link, radio, fieldset, table, progress, live-region,
  focus, and accordion semantics in the final source.
* Confirmed the signup URL carries score, band, category, and source attribution
  and routes only to the existing Clerk signup flow. No message is sent.
* Confirmed analytics event wiring remains in place for landing, start, question
  five, completion, result, signup, retake, and share. External event receipt was
  not tested because the local environment has no PostHog key.
* No companion Silvia skills update is needed for this reduction pass because the
  route, button names, and user workflow are unchanged.


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