10 honest questions about your financial habits. Get your score, see where you stand, and get a personalized action plan — free, no sign-up.
Question 1 of 100%
Question 1 of 10
Do you have an emergency fund?
An emergency fund is 3-6 months of living expenses in a dedicated savings account — separate from your regular spending money.
A
Yes — 3+ months of expenses saved and growing
B
Partially — I have some savings but under 3 months
C
Just started — I have less than $1,000 set aside
D
No — I have no emergency savings right now
Question 2 of 10
Do you have a written budget or spending plan?
A budget is a plan that tells your money where to go — whether it's in a spreadsheet, an app, or just tracked consistently.
A
Yes — I track my spending and review it regularly
B
Loosely — I have a rough idea but don't formally track
C
I've tried but don't stick with it
D
No — I don't track spending at all
Question 3 of 10
Do you carry credit card debt month to month?
Carrying a balance means you're paying 18-29% interest — one of the most expensive financial habits that exists.
A
No — I pay my balance in full every month
B
Sometimes — I occasionally carry a small balance
C
Yes — I have a balance I'm working to pay off
D
Yes — and it's growing or I'm only paying minimums
Question 4 of 10
Are you contributing to a retirement account?
This includes 401k, Roth IRA, Traditional IRA, TSP, 403b, or any employer-sponsored retirement plan.
A
Yes — I'm maxing out or close to the annual limits
B
Yes — at least getting my full employer match
C
A little — I contribute but not consistently or not enough for the full match
D
No — I'm not currently contributing to any retirement account
Question 5 of 10
How often do you spend more than you earn in a month?
This means your expenses — including debt payments — exceed your take-home income, requiring you to use savings or credit to cover the gap.
A
Never — I consistently spend less than I earn
B
Rarely — maybe once or twice a year for unexpected costs
C
Sometimes — a few months per year I go over
D
Often — most months I spend more than I make
Question 6 of 10
Do you have adequate insurance coverage?
This includes health insurance, and if anyone depends on your income — term life insurance and disability coverage.
A
Yes — I have health, life, and disability coverage appropriate for my situation
B
Mostly — I have health insurance but my other coverage has gaps
C
Partially — I have some coverage but it's not adequate
D
No — I have little or no insurance coverage
Question 7 of 10
Do you have a plan to pay off all your debt?
A debt payoff plan means you know your total debt, have a specific strategy (avalanche or snowball), and are making progress toward being debt-free.
A
Yes — I'm debt-free or have a clear plan I'm actively executing
B
Sort of — I'm making more than minimums but no formal strategy
C
Not really — I'm paying minimums and hope to figure it out
D
No — my debt is growing and I have no plan
Question 8 of 10
Are you investing outside of retirement accounts?
This includes a taxable brokerage account, real estate investments, or other wealth-building vehicles beyond your 401k/IRA.
A
Yes — I regularly invest in a brokerage or other assets
B
Occasionally — I invest when I have extra money
C
Not yet — I plan to once I have more financial stability
D
No — all my money goes to expenses and debt
Question 9 of 10
Do you know your net worth?
Net worth = everything you own (assets) minus everything you owe (liabilities). It's the single most important number to track for long-term wealth building.
A
Yes — I track it monthly and it's growing
B
I've calculated it before but don't track regularly
C
I have a rough idea but haven't actually calculated it
D
No — I have no idea what my net worth is
Question 10 of 10
How would you rate your overall financial confidence?
This is your gut-level feeling about money — do you feel in control, or does thinking about finances cause stress and anxiety?
A
Very confident — I feel in control and have a clear plan
B
Somewhat confident — I'm making progress but still learning
C
Not very confident — money stresses me out regularly
D
No confidence — I avoid thinking about finances
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📋 Your Score Breakdown
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