MBTI 16-Type Money Personality Test

The Problem It Solves

Many users seek quantitative tools to understand their financial mindset and consumption patterns, such as distinguishing between a saver and a spender, or risk aversion versus investment preference. However, existing assessment tools often require backend services, account login, or may upload user data to servers, raising privacy concerns and failing in offline environments. This skill aims to solve the need for a localized, offline-capable, and privacy-preserving self-assessment of financial behavior.

How the Skill Works

This skill is a single-page application (assets/index.html) that runs entirely within the browser. Its core capabilities and workflow are as follows:

1. Local Scoring and Storage: The embedded references/questions.json file defines 36 test questions, each with A/B options and explicit scoring mappings (e.g., Option A adds +1 to Dimension 1). User responses are processed locally via JavaScript, and progress is saved using localStorage. There are zero network requests throughout the process.
2. Rule-Based Report Generation: Using the algorithm defined in references/scoring-rules.md, the skill locally calculates the proportional scores for four binary dimensions (e.g., Saving/Spending, Risk-averse/Risk-seeking), determines dominant tendencies, and matches one of the 16 personality types from references/personalities.json to generate a structured report in real-time.
3. Self-Contained Dependencies: All necessary files within the skill root directory (HTML, JSON data, rule specifications, validation scripts) form a complete package. For delivery, only the index.html file is required, allowing it to run independently of its original directory, with no need for npm install or starting a server.
4. Clear Functional Boundaries: The skill exclusively handles the "test-scoring-report" loop. The embedded "Bill Direct" button and local QR codes (within the assets/ directory) are fixed features and must not be modified or removed.

Applicability and Constraints

• Non-Official and Non-Diagnostic: This test is derived from publicly available MBTI behavioral dimensions and must not be described as an official MBTI certification, clinical psychological diagnostic tool, or any form of investment risk assessment.
• Privacy and Security: All data (answers, progress) is stored only in the user's current browser's localStorage and is never uploaded. The skill itself collects no personally identifiable or financial information.
• Environment Dependency: While it can run independently, the core artifact is the index.html file. In environments requiring delivery or preview (e.g., certain Agent runtimes), it is essential to ensure the file can be correctly opened or rendered.
• Integrity Requirement: The assets/index.html, question data, or scoring logic must not be regenerated, rewritten, or "optimized" in any way to ensure result consistency and reproducibility.