Do you have an emergency fund covering at least 3–6 months of expenses?

Yes, I’m well-prepared.

I have some savings, but not enough.

I don’t have an emergency fund yet.

How often do you add to your emergency savings?

Monthly, without fail.

Occasionally.

Rarely or never.

What’s your debt-to-income ratio (monthly debt payments ÷ income)?

Less than 20%.

20–35%

Over 35%.

Do you pay off credit card balances in full each month?

Always.

Sometimes.

Rarely or never.

Are you contributing regularly to a retirement plan (e.g., 401(k), IRA, IUL)?

Yes, I have a clear plan.

I contribute, but not consistently.

No, I haven’t started yet.

Have you calculated how much you need to retire comfortably?

Yes, I have a specific number in mind.

I’ve thought about it, but it’s not clear.

No, I have no idea.

Do you have a life insurance policy that covers your family’s needs?

Yes, I’m confident it’s sufficient.

I have a policy, but I’m unsure if it’s enough

No, I don’t have coverage.

Have you reviewed or updated your life insurance policy in the last 2 years?

Yes, I keep it current

No, but I plan to review it soon

No, I haven’t looked at it since I got it.

Are your investments diversified to minimize risk?

Yes, I have a balanced portfolio

Somewhat, but it could improve.

No, my investments are concentrated or non-existent.

Do you have a plan to grow your wealth over time?

Yes, I have clear goals and strategies.

I have some ideas but no solid plan.

No, I’m unsure where to start.

25–30 points: You’re financially thriving! Keep up the great work and explore additional opportunities to maximize your wealth.
16–24 points: You’re on the right track but have room for improvement. Let’s chat about creating a strategy to strengthen your financial health.
10–15 points: You may be struggling with some areas of your finances. Don’t worry—I can help you get on the path to financial freedom.

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