Rate yourself honestly in each category. Your results show where you're building wealth — and where it's quietly eroding.

First Name

Last Name

Email *

Phone *

Page 1 — Financial Health

What is your CREDIT score? *

A — 740+ (excellent, best rates)

B — 670–739 (good, most products accessible)

C — 580–669 (fair, limited options/higher rates)

D — Below 580 (poor, rebuilding needed)

Credit Score

Page 2 - Savings Rate

What is your percentage of pretax savings? *

A — 15%+ (rich-level habit)

B — 10–15% (upper-middle-class pace)

C — 5–10% (middle class, behind the curve)

D — 0–5% (spending it all, “someday” trap)

Page 3 - DEBT to income Ratio

What is your DEBT to income ratio? ( minimum monthly debt / gross monthly income * 100) *

A — 35% or less (low-risk, room to save)

B — 36–43% (acceptable, standard mortgage threshold)

C — 44–50% (borrowing options shrink)

Example 850 DEBT / 3000 gross monthly income * 100 = 28.33%

Page 4 - Home Equity

Equity (market value minus remaining mortgage balance) How much EQUITY do you have? *

A — 51% or more (equity-rich)

B — 31-50% (solid safety net)

C — 20 - 30% (PMI - free, HELOC access unlocked)

D - 0 - 19% (slowly building)

F - Renting (no equity built yet)

Example Appraised Value 125000 - 85000 mortgage = 40000. 40000/125000 = 32%

Page 5 - How much are you INVESTING as a percentage of income

% of income invested, after 3-6 month emergency fund is fully funded *

A — 30%+ (aggressive pace, includes any employer match)

B — 20-29% (strong ahead of most households)

C — 10-19% (solid foundation)

D - 1-9% (investing but no momentum)

F - 0% or NO emergency fund yet (build that first)

Page 6 - Life Insurance /Self Insurance

How much are your assets covering your costs for death *

A — Fully self-insured at 100% (assets can replace 100% of income)

B — 50% or more self-insured (assets can replace 50% of income)

C — Covered by a commercial term life insurance policy

F - No coverage, no self-insurance

Wellness Section

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Page 7 - Daily mental self-care

What is your daily mental self-care? *

A — Daily prayer/meditation practice

C — No regular scheduled practice (hit or miss when the mood comes)

D - Negative self-talk

F - Harmful behavior (including drugs, alcohol, smoking, sex without commitment)

Page 8 - Physical Exercise

How much physical activity do you get in a typical week? (standard per the American Heart Association) *

A — 300+ min/week (AHA optimal)

B — 150-299 min/week (AHA minimum)

C - 30-149 min/week (below guidelines)

D - 1 - 29 min/week (sporadically)

F - exercise not on your radar

Page 9 - Wealth Building Team

Who are you buiding wealth with *

Page 10 - Sadaqah/Charity

How are you giving? Giving is Gratitude (% given or volunteer hrs/week if not yet giving financially) *

A — 10% of time / income

B — 1-9% of time/income

C - 0% but grateful

Page 10 - Legacy/Estate Planning

Do you have an estate plan? *

A — Wealth-building Trust (grows/distributes across generations)

B — Trust and will

C - Will Only

F - Nothing in place