Do you have what it takes to be wealthy?

Smart saving and investing habits are a great way to amass real money. But studies show that lots of other things -- from your marital status to your looks -- can help or hurt too. To size up your odds, take this quiz.

Score so far: points
8. Are you married?
Married people are richer.
Ohio State's Zagorsky found that boomers who got and stayed married accumulated 93% more wealth per person than their unhitched counterparts, partly owing to economies of scale. Divorce reduces wealth by 77%.

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