Are You Retirement Pirate Ready

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Question 1: The way I want to feel about my financial future is like…* This field is required.
🌊 A land-lover to scared to set sail even though I know I will probably be left behind (0)
⛵ A passenger on someone else’s ship hoping the captain you hired knows what they are doing because you don't. You are smart enough to know powerful financial storms could wipe you out. Still, you climb on board because it's what everyone else you know seems to be doing.(33)
🧭 A navigator who knows what you're doing. You watch financial programs, read financial papers, and listen to financial radio, so you can pick your own investments and chart your own path. (67)
🏴‍☠️ A captain at the helm—calm, confident, and ready for whatever the sea brings. You don't think too much about money because you know the strategies you use position you to maximize your gains, minimize your losses, and blossom into 100's of thousands of dollars more IF a financial storm enters your life. (100)
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Question 2: When I invest, I want to be…* This field is required.
🎲 A gambler Rolling dice at a casino, hoping luck favors me and I can beat the averages. (0)
🤞 Following the crowd, hoping the market gods stay kind. (33).
⚖️ Calculating odds and managing risk like a strategist. (67)
⚔️ The house itself—profiting while others gamble. (100)
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Question 3: I love deferring taxes in my IRA because…:* This field is required.
💸 I like seeing a bigger number on my statement—even if it’s not really all mine. (0)
🧾 I like knowing Wall Street can charge more fees on my inflated balance. (33)
🕰️ I believe taxes will somehow be lower when I retire. (67)
🏴‍☠️ I know tax deferral could benefit me. However, I am not naïve. The government places a lien on my account and they never told me how much they will take in the future when I make a withdrawal (100)
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Question 4: When I think about future health or long-term care costs…* This field is required.
🙈 I avoid thinking about it—it’s too uncomfortable. (0)
🤷 I’ll deal with it if it happens. (33)
🛡️ I’ve started to explore coverage options to protect what I’ve built. (67)
⚓ I’ve designed a plan that blossoms into the money I need to get the best care possible IF I ever need it. However, if I never do, it is money I can use to live my best life or give to my family or favorite charity when I inevitably pass. (100)
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Question 5: If the market crashes, I want to be the one who...* This field is required.
😨 Panics and sells before I lose everything. (0)
😬 Holds my breath and hopes it recovers so I can get the money I lost back. (33)
🧠 Waits patiently with a plan to rebalance when it’s over. (67)
⚔️ Smiles—because I’m positioned where my losses are capped while I am sitting on a pile of cash to profit from other peoples panic. (100)
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Question 6: When it comes to the financial system (“The Crown”)—Wall Street, banks, and government—I want to…* This field is required.
🧎 Trust them—they’ve always run the show. (0)
🤔 Complain, but still play by their rules. (33)
😏 Understand their game and beat the averages to live my best life (67)
⚔️ Exploit the averages—using their rules to my advantage to beat them at their own game. (100)
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Question 7: To me, Financial Freedom is:* This field is required.
💤 A finish line—finally escaping work and risk. (0)
😌 A long vacation—predictable, but a little dull. (33)
🌅 A new chapter—calm but with some adventure. (67)
🏴‍☠️ A voyage—freedom, purpose, and the thrill of possibility. (100)
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Question 8: When I hear a billionaire’s next big move on TV, I…* This field is required.
👑 Assume it’s time to follow the Crown’s lead. (0)
💰 Wish I had access to what they do. (33)
🤨 I question the motive — who benefits from this headline? (67)
🏴‍☠️ Do nothing - I know when they tell me what billionaires are doing, they are counting on people like me to do it to so they can make their money, bail, and leave me holding the bag... (100)
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Question 9: When it comes to "The Financial Media" (CNBC, Fox Business, The Wall Street Journal), I...* This field is required.
🥱 Don't care because I hired someone to think of that for me. (0)
🤓 Do my best to understand what they say because I want to learn. (33)
🌅 A new chapter—calm but with some adventure. (67)
😐 Don't care because I know it is all a big distraction to get me to do something that isn't in my best interest. (100)
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Question 10: I want my relationship with money to be…* This field is required.
😔 Stressful—constantly chasing or fearing it. (0)
😐 Stable—but uninspiring. (33)
🙂 Strategic—I feel organized and informed. (67)
🏴‍☠️ Liberating—my treasure fuels a life of purpose and adventure. (100)
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When I think of who I am, I want to be someone who…* This field is required.“Before you see your results, ask yourself this one thing…”
🧎 Follows the masses because I believe there’s safety in the herd.
💼 Does what makes me look important — even if it means leaving results on the table.
😒 Sees the problems but never searches for a better way — complaining has become part of my identity.
🏴‍☠️ Challenges the status quo in order to discover new ways to accomplish my objectives and will employ them when they are best regardless of what three types of people above say to me.
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Your Retirement Pirate Score
Lowest = "0" Max = "1,000"
13
Almost Stormeborne
14
Padawan Pirate
15
Your score
16
Brain-Washed by The Crown
17
Full-Blown Pirate
Should be Empty: