Do you spend money more like a millennial or a boomer? Take this quiz to find out.

Are you pouring money into day care, car loans or a luxury vacation?

Your spending says a lot about your income bracket and whether you have kids. But there are also generational influences — and a growing gap between how older and younger generations spend money.

“How your generation is spending today comes from what you experienced yesterday,” said Eric Croak, a financial planner in Toledo. “Have you been through a stock market crash? Did you graduate during a recession? How much do you trust technology? All of those things go into how we make financial decisions, what we spend on and how much risk we’re willing to take.”

According to Bank of America research, older Americans are more likely to open their wallets for luxury purchases and health-care expenses, while younger Americans devote money to rising housing costs and tend to be more influenced by inflation.

Economic conditions and individual tastes and priorities also play a big role in our spending choices. Take this quiz to find out whether you spend money more like an 18-year-old or 78-year-old. The Post will not store your responses.