it depends on what you’re trying to discern with the question. If you want to know what people would do with a windfall in addition to their current allocation, ask that. but then you probably need to ask some intrusive quesitons about what they previously had.
You could state “X is all you have in the world, and you make enough to live on but not to save additional. which of the following would you choose to save for a vacation in 6 months” or “for retirement in 20 years” or “for emergencies”.
it depends on what you’re trying to discern with the question. If you want to know what people would do with a windfall in addition to their current allocation, ask that. but then you probably need to ask some intrusive quesitons about what they previously had.
You could state “X is all you have in the world, and you make enough to live on but not to save additional. which of the following would you choose to save for a vacation in 6 months” or “for retirement in 20 years” or “for emergencies”.