Financial Health Score

Financial Health Score

Simply complete the 10 question survey to determine your health score!
Name*

First NameLast Name
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1. Let's start with your emergency fund! Describe the money you've set aside for unexpected life events:

I don't have oneI've got a little set aside, but not muchI've got $2,500 for a starter emergency fundI have a fully funded 3-6 months!

2. Let's think about your job situation. Describe your income situation:

My income is highly inconsistent, or my primary job security is low, with no backup plan.My income is from a single source and is somewhat inconsistent or project-based (e.g., commission, freelance, seasonal work).My income is steady from one reliable source, and I have clear career security or a strong demand for my skills.My income is highly stable, and I have multiple, consistent income streams (e.g., salary plus reliable side business/rental income/investments).

3. Now think about your credit card payments. Which statement best describes your situation?

I always carry a balance and only pay the minimum required amount each month.I always carry a balance, but I always pay more than the minimum required payment.I pay the full balance most months, but sometimes carry a small balance that's paid off quickly.I don't use credit cards, or I pay all my balances in full every month.

4. Tell me about the payments of your other debts, including student loans, cars, and other personal loans

I struggle every month to make the minimum paymentsI can cover the minimum payments, but it makes saving almost impossibleI have debt, but I can comfortably cover the payments and save for my goalsI have no other debts

5. Let's consider your housing situation. Select the statement that best matches your situation:

I am currently struggling to make my rent or mortgage paymentI rent, and I am unable to save for a down payment due to my monthly expenses.I rent, but I am actively and consistently saving for a down payment.I own my home, and am able to make my mortgage payment monthly

6. You're doing great! Next, let's think about your retirement savings. How would you describe your retirement savings?

I have no dedicated retirement savings at all.I have some retirement savings, but I haven't contributed this year.I contribute, but I don't receive a company match, or my contributions are inconsistent.I contribute to tax-advantaged accounts (e.g., 401(k), IRA) and receive a full company match (if available).

7. Do you have any non-retirement savings or investments? This would be savings in addition to your emergency fund, typically in a taxable brokerage account.

I have no other savings besides my emergency fundI have a small investment portfolio, but don't contribute regularlyYes, I have an investment account and consistently invest a portion of my income every month.

8. Almost finished! Let's assess the health of your monthly budget:

I don't budget, and I often run out of money before the end of the month.I rarely budget or track my spending, but I generally pay my bills on time.I have a general idea or a mental budget, and I usually stay within my spending limits.I have a written budget or system that I track and stick to consistently.

9. Your net worth is calculated by taking your assets (what you own) minus your liabilities (what you owe).

I have no idea what my net worth is, or I choose not to think about it.I have a general idea, but I suspect my net worth is negative (my debts are greater than my assets).I know my net worth is positive, but I don't track it regularly (e.g., I check every few years or only when buying a house).I track my net worth at least once a year and have seen it increase over the last two years.

10. Last question!! How would you describe your charitable giving?

I do not currently give to charity or feel unable to afford to do so.I rarely give to charity, or I only give when asked directly (e.g., at the checkout register).I give occasionally to causes I care about, but it is not formally budgeted or consistent.Giving is a planned line item in my budget, and I give a consistent amount monthly or annually.

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Financial Health Score
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To complete the survey, please click Submit below!