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Test the current state of your finances. Your score will tell you how well you are probably doing. Nobody is perfect so don’t feel bad but remember there’s always room for improvement.

Email *

10 points

Formal employment with annual salary

Formal employment with hourly wage

Self employed/Business owner

Unemployed

Military

Dependent

10 points

in 401k

I don't save or invest yet

I put money in a savings account when I have extra

I put cash in a box or a hidden place

Using a IRA or other brokerage account

I automate transfers from my checking account

Required

10 points

Emergencies or unexpected expenses

Vacations, experiences, fun, large purchase shopping

Investments

Retirement

Large once per year expenses

Required

10 points

High yield savings account

my checking account

under my mattress or another hiding spot

a savings account attached to my checking account

crypto currency

Whole life insurance

Other financial vehicles

Required

10 points

I don't have an emergency fund

1-2 months

3-6 months

7-11 months

1 year at least

10 points

To make ends meet

A mortgage

To start a business

Higher education

Investment

Medical expenses

Leisure

A vehicle

Required

10 points

To make ends meet

Build up an emergency fund

Pay off debt

Control my spending

Increase my net worth

Free up more time to do whatever I want

Invest more

Required

10 points

Nope!

I've tried but never stick to it

Somewhat, but not an official budget

Yes, a written out plan and I stick to it

10 points

Medical insurance

Homeowner's/renters insurance

Employee sponsored life insurance

Self purchased life insurance

Disability insurance

None of those

Required

10 points

None

Credit card debt

Auto loan debt

Student loan debt

Personal loan debt

Mortgage debt

Business loan debt

Medical debt

Other

Required

10 points

I didn't contribute to a retirement account

Up to the employer match

5% or less

6-10%

10-20%

21%+

5 points

No clue how I would know this

Too much, that’s all I know

Nothing because I can’t afford wants

I budget for this & know the exact amount

15 points

No clue how I would calculate this

Not sure, I just pay the suggested amounts

I know exactly how long I have left on my plan

I am already debt free

10 points

Never

Once

2-3 times

4+ times

10 points

Borrow money from someone

Use a credit card

Tap into savings

Reduce expenses

Delay payments

Borrow from bank/loan center

0 points

I need major help. Nothing works

I am content but could be doing better

Haven’t thought much about it.

I have a plan. It’s working. All is well

credit score *

5 points

Don’t have credit or know anything about it

I don’t check it and have no idea

I checked in the past year and its below 620

I checked in the past year and its above 720

I checked in the past year and its 620-720

10 points

I know it down to the dollar amount

I have a guess but haven’t calculated

I’m scared to going out honestly

What exactly is net worth

10 points

I can calculate expenses precisely

Not sure, but less than I make monthly

All that I know is I spend too much

Don’t think this matters

15 points

It has always been $0 because I don’t use it

All debts gets paid in full monthly

I have debt and I pay all minimums

I try to pay down more when I can

Debt is out of control. Where do I start

Less than10% utilized off my available credit

10 points

1-10%

11-25%

25-50%

50%+

I'm honestly not sure

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