Any late payments in past 12 months?

None

1–2

3+

How many months of expenses do you have saved?

3+

1–2

None

Do you have active life insurance or emergency coverage?

Fully covered

Some

None

Do you get a large tax refund every year?

Break even

Small

Large

SECTION 2: FLOW

Do you follow a written monthly budget?

Always

Sometimes

Never

Do you have a structured debt payoff plan?

Yes

Somewhat

No

Do you regularly have money left after expenses?

Always

Sometimes

Rarely

Do you direct part of your paycheck toward growth (business, investments, etc.)?

Every paycheck

Occasionally

Never

SECTION 3: FREEDOM

Do you earn or plan to earn money outside your job?

Yes

Planning

No

Do you actively contribute to investments or retirement?

Yes

Sometimes

No

Do you invest in personal growth (books, courses, mentorship)?

Consistently

Occasionally

Never

Do you have a written wealth or legacy plan?

Yes

Working on it

No

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SECTION 1: FOUNDATION

SECTION 2: FLOW

SECTION 3: FREEDOM