ANNUAL REVIEW
The Money Report Card
Grade your finances across 12 categories โ just like school. Get your GPA, see where you're failing, and share your results. No signup. Completely honest.
0 of 12 graded
๐ฐ Emergency Fund
How many months of expenses do you have saved in an accessible emergency fund?
6+ months (A)
4-6 months (B)
1-3 months (D)
Under 1 month (F)
๐ Savings Rate
What percentage of your gross income do you save and invest each month?
20%+ (A)
15-20% (B)
10-15% (C)
Under 10% (F)
๐ณ Debt Management
How do you handle high-interest consumer debt (credit cards, personal loans)?
Debt-free (A)
Paying it down fast (B)
Paying minimums (C)
Debt growing (F)
๐ฆ Retirement Investing
Are you contributing to retirement accounts (401k, IRA) and capturing your full employer match?
Maxing accounts (A)
Full match + more (B)
Just the match (C)
Not contributing (F)
๐ Budgeting
How well do you know where your money goes each month?
Detailed budget (A)
Track spending (B)
Roughly aware (C)
No idea (F)
๐ก๏ธ Insurance Coverage
Do you have adequate health, life, disability, and renter/homeowner insurance?
All covered (A)
Most covered (B)
Partly covered (C)
Underinsured (F)
๐ Credit Health
What is your approximate credit score?
740+ Excellent (A)
670-739 Good (B)
580-669 Fair (C)
Below 580 (F)
๐ Net Worth Growth
Is your net worth growing year over year?
Growing fast (A)
Growing steadily (B)
Flat/slow (C)
Declining (F)
๐ Estate Planning
Do you have a will, updated beneficiaries, and basic estate planning documents?
Full estate plan (A)
Will + beneficiaries (B)
Beneficiaries only (D)
Nothing (F)
๐ฐ Tax Optimization
Are you actively optimizing your taxes (HSA, tax-loss harvesting, Roth conversions, deductions)?
Actively optimizing (A)
Basic optimization (B)
Minimal awareness (C)
Not thinking about it (F)
๐ง Financial Knowledge
How confident are you in financial decision-making (investing, insurance, taxes, real estate)?
Very confident (A)
Fairly confident (B)
Learning (C)
Lost (F)
๐ Income Growth
Is your income growing? Have you negotiated, upskilled, or built income streams this year?
Multiple streams (A)
Actively growing (B)
Stable, not growing (C)
Declining (F)
DigitalWealthSource.com ยท Financial Academy
Annual Money Report Card
Academic Year 2025โ2026
3.2
GPA (out of 4.0)
B
80%
Percentile vs. Peers
๐ Teacher Comments
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