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)
What percentage of your gross income do you save and invest each month?
20%+ (A)
15-20% (B)
10-15% (C)
Under 10% (F)
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)
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)
How well do you know where your money goes each month?
Detailed budget (A)
Track spending (B)
Roughly aware (C)
No idea (F)
Do you have adequate health, life, disability, and renter/homeowner insurance?
All covered (A)
Most covered (B)
Partly covered (C)
Underinsured (F)
What is your approximate credit score?
740+ Excellent (A)
670-739 Good (B)
580-669 Fair (C)
Below 580 (F)
Is your net worth growing year over year?
Growing fast (A)
Growing steadily (B)
Flat/slow (C)
Declining (F)
Do you have a will, updated beneficiaries, and basic estate planning documents?
Full estate plan (A)
Will + beneficiaries (B)
Beneficiaries only (D)
Nothing (F)
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)
How confident are you in financial decision-making (investing, insurance, taxes, real estate)?
Very confident (A)
Fairly confident (B)
Learning (C)
Lost (F)
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)