I'm not 100% sure what is wrong, it just tells me that blue has not been initialized.
Millionaire m1 = new Millionaire(response);
//Q1
System.out.println("What color is blue?");
System.out.println("1. blue");
System.out.println("2. red");
System.out.println("3. turquoise");
System.out.println("4. What is 'color'?");
input.nextLine();
String ans = input.nextLine();
String blue;
if(ans == blue){
System.out.println("correct!");
m1.addMoney();
}else{
System.out.println("Lost on the first question??");
System.exit(0);
}