How much of your living expenses are reliably covered by non-work income (dividends, rental, pensions, annuities, etc.)? *

100% or more

75–99%

50–74%

Less than 50%

If the market dropped 30% tomorrow, how would your plan hold up? *

No impact — I’d be fine long term

Manageable with small adjustments

Significant cuts would be needed

I’d be in serious trouble

Does your independence rely on strict spending cuts or “stretch” assumptions? *

No — I can live comfortably without compromise

Some — I’d trim in a downturn

Yes — only works if very frugal

Completely — only works on paper

How often do you check the market to reassure yourself? *

Rarely — I know my plan works

Sometimes — doesn’t control me

Often — I worry

Daily — mood depends on it

If an unexpected expense (e.g., $50,000 medical bill, helping family, or big repair) came up, how would you handle it? *

Easily covered without stress

Doable, with some adjustments

Difficult — need debt or sacrifices

Impossible without hardship

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Email Address *

Financial Independence Readiness Quiz