Wealth is relative. Like the economically challenged children in the famous Toni Cade Bambara short story “The Lesson,” many people don’t even know they’re “poor” until they’re confronted with the heretofore unimagined reality of riches other people enjoy. (In Bambara’s story, an ill-advised class trip to FAO Schwarz is what makes the scales fall from the kids’ eyes.)

Of course, the comparison thing goes both ways: Your normal just might be someone else’s idea of paradise. Wealth, like beauty, is all in the eye of the beholder.

The following quiz was adapted from Huff/Post50 senior editor Laura Rowley’s illuminating book, “Money & Happiness: A Guide to Living the Good Life.” Take it. You just might find that you’re more prosperous than you think.

The instructions are simple: Just give yourself one point for each “yes” response to the following yes or no questions, then compare your total with the answer key at the end.

What personal lessons have you learned about wealth and abundance? Comment below, or tweet us all about it @HealthyLiving using the hashtag #becomingfearless. If you tweet, you will automatically be entered into Toyota Corolla's Most Fearless Tweet Contest! (Click here for the Official Rules.)

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  • Basic Needs

    <strong>1.</strong> I have easy access to food and clean water. <br><strong>2. </strong>I live in a home that has heat and running water. <br><strong>3.</strong> I feel safe in my home and in my neighborhood. <br><strong>4.</strong> I can comfortably spend more than $2.50 a day. <br><strong>5. </strong>I am employed, or supported by someone who is.

  • Reality Check

    Current figures suggest that 925 million people in the world are <a href="http://www.worldhunger.org/articles/Learn/world hunger facts 2002.htm" target="_hplink">chronically undernourished</a>, meaning they consume too little food to maintain normal levels of activity. In 2010, 17.2 million American households were "<a href="http://www.fns.usda.gov/cga/pressreleases/2011/0391.htm" target="_hplink">food insecure</a>." Worldwide, nearly one billion people <a href="http://water.org/water-crisis/one-billion-affected/" target="_hplink">lack access to clean water</a>, and a billion <a href="http://www.citiesalliance.org/node/2195" target="_hplink">live in slums</a>. (An estimated 2.5 billion <a href="http://water.org/water-crisis/one-billion-affected/" target="_hplink">lack access to a toilet</a>.) In 2010, an estimated 43.7 million people were <a href="http://www.guardian.co.uk/world/2011/jun/20/unhcr-report-refugee-numbers-15-year-high" target="_hplink">refugees</a> from their home countries because of persecution related to race, religion, nationality, political opinion, or membership in a certain social group. Almost half the world's people -- about 2 billion -- live on <a href="http://www.globalissues.org/article/26/poverty-facts-and-stats" target="_hplink">less than $2.50</a> a day. Roughly eight percent of Americans -- 12.5 million -- were <a href="http://bls.gov/news.release/empsit.nr0.htm" target="_hplink">unemployed</a> in April 2012. Millions more are so discouraged they've simply stopped looking for work.

  • Your Health

    <strong>6.</strong> I exercise regularly. <br><strong>7.</strong> I get at least 8 hours of sleep at night. <br><strong>8. </strong>I have health insurance. <br><strong>9.</strong> My children have access to basic medical care. <br><strong>10.</strong> I fully expect to live until I'm 75 years old.

  • Reality Check

    More than 60 percent of American adults aren't regularly physically active; 25 percent <a href="http://www.cdc.gov/nccdphp/sgr/adults.htm" target="_hplink">aren't active at all</a>. Only 21 percent of Americans who work full-time report that they're getting the recommended <a href="http://www.sleepfoundation.org/sites/default/files/2008 POLL SOF.PDF" target="_hplink">eight hours of sleep</a> needed for good health, safety, and optimum performance. Nearly <a href="http://www.census.gov/newsroom/releases/archives/income_wealth/cb11-157.html" target="_hplink">50 million</a> Americans had no health insurance in 2010, the latest figures available -- up from 49 million the previous year. In the developing world, almost <a href="http://www.unicef.org/mdg/childmortality.html" target="_hplink">11 million children</a> die each year from causes that could be prevented by good care, nutrition, and medical treatment. Life expectancy in sub-Saharan Africa is 52 years for women; <a href="http://www.usaid.gov/our_work/global_health/aids/Countries/africa/hiv_summary_africa.pdf" target="_hplink">51 years</a> for men.

  • Education

    <strong>11.</strong> My children are enrolled in a decent school. <br><strong>12.</strong> I graduated from high school. <br><strong>13.</strong> I have an associate degree. <br><strong>14.</strong> I have a bachelor's degree. <br><strong>15. </strong>I have a master's degree. <br><strong>16.</strong> I have a PhD. <br><strong>17. </strong>I have a professional degree (law or medicine).

  • Reality Check

    Some 67 million children worldwide are <a href="http://www.huffingtonpost.com/2011/03/01/un-67-million-kids-not-in_n_829678.html" target="_hplink">not enrolled in school</a>, including 28 million caught in armed conflicts. In the U.S., someone with a bachelor's degree <a href="http://www.usnews.com/education/best-colleges/articles/2011/08/05/how-higher-education-affects-lifetime-salary" target="_hplink">earns $1.4 million more</a> over a lifetime than someone with a high school degree, yet <a href="http://www.census.gov/newsroom/releases/archives/education/cb12-33.html" target="_hplink">ONLY 30 PERCENT</a> of Americans aged 25 and older have bachelor's degrees.

  • Income

    <strong>18.</strong> My household income is at least $49,445. <br><strong>19.</strong> My household income is above $75,000. <br><strong>20.</strong> My household income is above $100,000. <br><strong>21.</strong> My household income is above $150,000.

  • Reality Check

    Real median household income in the United States in 2010 was $49,445, the latest figures available -- a <a href="http://www.census.gov/newsroom/releases/archives/income_wealth/cb11-157.html" target="_hplink">2.3 percent decline</a> from the 2009 median. Half of incomes are above the $49,445 mark, half below. Millions of Americans live in poverty. The nation's official poverty rate in 2010 -- the latest year for which figures are available -- was <a href="http://www.census.gov/newsroom/releases/archives/income_wealth/cb11-157.html" target="_hplink">15.1 percent</a>, up from 14.3 percent in 2009. This marks the third consecutive annual increase in the poverty rate. There were <a href="http://www.nytimes.com/2011/09/14/us/14census.html?_r=1&pagewanted=all" target="_hplink">46.2 million Americans</a> in poverty in 2010 -- the largest number in the 52 years for which poverty estimates have been published.

  • Assets And Liabilities

    <strong>22. </strong>I have a checking account. <br><strong>23.</strong> I put money into savings last year. <br><strong>24. </strong>I own stocks directly or through mutual funds. <br><strong>25.</strong> I pay off my credit cards in full every month (or don't use them at all). <br><strong>26. </strong>My credit card debt is less than $1,000.

  • Reality Check

    As of 2009, approximately 9 million American households were "<a href="http://www.fdic.gov/householdsurvey/full_report.pdf" target="_hplink">unbanked</a>," meaning they don't have a checking or savings account. Only <a href="http://www.gallup.com/poll/147206/stock-market-investments-lowest-1999.aspx" target="_hplink">54% of Americans</a> own stocks -- the lowest percentage since 1999. A <a href="http://www.nfcc.org/newsroom/FinancialLiteracy/files2012/FLS2012FINALREPORT0402late.pdf" target="_hplink">third of Americans</a> don't pay all their bills on time, 39 percent have zero non-retirement savings, and 39 percent have credit-card debt. About 15 percent have credit-card balances that <a href="http://www.cnbc.com/id/43753836/Got_Credit_Surprising_Credit_Card_Stats?slide=4" target="_hplink">exceed $10,000</a>.

  • Other Assets

    <strong>27.</strong> I own a car. <br><strong>28.</strong> I save money for retirement. <br><strong>29. </strong>I own my own home. <br><strong>30.</strong> My home is worth more than $212,300. <br><strong>31.</strong> I have no student loan debt.

  • Reality Check

    In the nation's largest metro areas, <a href="http://www.brookings.edu/~/media/Files/rc/papers/2011/0818_transportation_tomer/0818_transportation_tomer.pdf" target="_hplink">7.5 million households</a> don't have access to a private vehicle. Thirty-four percent of Americans have <a href="http://www.harrisinteractive.com/NewsRoom/HarrisPolls/tabid/447/mid/1508/articleId/684/ctl/ReadCustom Default/Default.aspx" target="_hplink">no retirement savings</a>; about 35 percent <a href="http://www.bloomberg.com/news/2012-04-30/homeownership-rate-in-u-s-falls-to-lowest-since-1997.html" target="_hplink">don't own</a> their homes. The median new-home price in the United States in 2011 was <a href="http://www.census.gov/const/uspricemon.pdf" target="_hplink">$212,300</a> -- half of homes cost more, half less. An estimated 37 million Americans have <a href="http://abcnews.go.com/US/wireStory/bankruptcy-trapped-student-debt-16210940?page=2#.T6mGW3hAsu8" target="_hplink">student loan debt</a>.

  • The Unquantifiables

    <strong>32.</strong> I have meaningful relationships. <br><strong>33.</strong> I have opportunities to express and develop my skills and talents. <br><strong>34.</strong> I have the ability to strive for my goals. <br><strong>35.</strong> I like my work. <br><strong>36. </strong>My day is filled with meaningful activity. <br><strong>37.</strong> I have enough time to enjoy my life outside of work.

  • Reality Check

    Many Americans are alone, lonely, isolated. They feel trapped in dead-end jobs that don't allow them to use their skills and gifts in meaningful ways. They feel beaten down, unappreciated. They have mean bosses who fill their days with drudge tasks. They work such long hours they don't have time for fun.

  • Your Inner Life

    <strong>38.</strong> I notice and appreciate small daily pleasures. <br><strong>39.</strong> I feel in control of my life. <br><strong>40.</strong> I have a strong sense of self-respect. <br><strong>41.</strong> I participate in the life of my community. <br><strong>42.</strong> My life has a spiritual dimension.

  • Reality Check

    You don't need a quiz to tell you that a lot of people in this world are depressed. Disconnected from their communities and their own sense of self-worth, they face their lives with grim resignation and a sense of hopelessness that their situation will ever change. Lacking a higher purpose, they can't rise above their emotional poverty.

  • Scoring

    <strong>0-4 points: </strong>Living in material poverty <br><strong>5-9 points: </strong>Living paycheck to paycheck <br><strong>10-19 points:</strong> Moderate wealth <br><strong>20-29 points: </strong>High wealth <br><strong>30+ points: </strong>Tremendous wealth

  • Reality Check

    "The purpose of this quiz is to assess your wealth in a holistic way," notes Rowley. "I have met people who are rich in monetary and material assets and genuinely miserable; and people who live paycheck to paycheck who lead truly joyful lives. The only way to benchmark your wealth is to create your own definition and judge how you're doing against your personal standards -- to identify and visualize what wealth means to you. When you know what you value and make money decisions that are value-driven, you can be true to yourself." So: How wealthy do you feel now?<br>