Financial Confidence Self-Assessment

1. I feel anxious when opening bills, and I often have bills scattered around my home, car, or email inbox.

2. I have received calls, texts, or letters from debt collectors within the past month.

3. I usually carry a credit card balance because I cannot pay it off in full each month.

4. I live paycheck to paycheck with little to no savings buffer.

5. If I lost my primary source of income, I would not be able to cover my basic expenses for three months.

6. I feel like everyone around me has their finances together, and I constantly feel like I’m falling behind.

7. I avoid signing up for my employer’s retirement plan (401k) or opening an IRA because it feels overwhelming and complicated.

8. I understand the concepts of dollar cost averaging and diversification.

9. I often invest in the "next big thing" hoping to make fast money.

10. I actively work on improving my professional skills and update my resume regularly.

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41–50 Financially Empowered

You have a strong foundation and healthy habits. Small tweaks could unlock even bigger results.

31–40 On the Right Path

You’re doing many things right but there are key gaps that, if addressed, could drastically increase your confidence and security.

21–30 At Risk

There are significant areas of financial stress and missed opportunities. Strategic guidance could change your entire trajectory.

Below 20 Financially Stuck

You’re carrying heavy financial burdens and feeling overwhelmed. You’re not alone — and you can build a fresh start with the right support.