We conduct this experiment to observe the effect of prudence, cognitive ability, and personality correlating with risk-averse decision. In this experiment, we make binary choices between risky lotteries that distinguish prudent from imprudent individuals. We also gave them tasks to measure their cognitive ability and neuroticism personality. We find that a more positive neuroticism personality and lower cognitive ability correlate with greater risk-averse decision making while prudence has an insignificant effect on risk-averse.