Have you ever created a real budget plan before?
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Yes, I've attempted
No, I haven't (yet)
(Most people haven't... so no judgement here!)
Ok! Do you have any debt?
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Yes, I have some debt
Yes, but my only debt is a mortgage
No, I'm debt free
(No shame if you do! About 90.1% of Americans have some kind of debt.)
What type of debt do you have?
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I have 5% or higher rate or collections (not including a mortgage)
I have debt that is 4.9% interest or lower and no collections (not including a mortgage)
Approximately, what percent of your total monthly spending is going to paying off debt?
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90+%
70-89%
50-69%
30-49%
20-29%
Less than 20%
For example: credit cards, car loans, etc.
Roughly, what percentage of your paycheck goes into a retirement account? (not including employer match)
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20+%
16-19%
11-15%
6-10%
1-5%
0%
For example: Roth IRA, Brokerage Account, etc.
What percent of your spending is going to necessities?
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81+%
51-80%
Less than 50%
Example: food, clothing, healthcare, housing, etc.
After necessities, roughly what percent of what's left over do you put in an investment account?
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0%
1-5%
6-10%
11-15%
16-19%
20+%
Example: stocks, bonds, brokerage accounts, etc.
What percentage of your money is spent on things you WANT?
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50+%
41-50%
30-40%
Less than 30%
Example: entertainment, jewelry, experiences, eating out...
Do you have any of the following debts: Collections, Pawn Debt, IRS, Payday loans?
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Yes
No
Do you have a mortgage?
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Yes
No
Since you have no other debt, what % of your income goes to your mortgage(s)?
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70+%
50-69%
40-49%
34-39%
25-33%
Less than 25%
What % of your income goes to your mortgage(s)?
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70+%
50-69%
40-49%
34-39%
25-33%
Less than 25%
What is your highest interest rate debt?
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33+%
25-32%
20-24%
15-19%
10-14%
1-9%
I'm unsure
If you add up all of your non-mortgage debt, what percentage of your average yearly pre-tax income is that total debt?
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75+%
50-74%
40-49%
30-39%
20-29%
Less than 20%
I'm Unsure
What types of debt do you have? (Select all that apply to you)
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Federal Student Loans
Private Student Loans
Credit Cards 0% Interest
Credit Cards 1+% Interest
Buy Now/Pay Later Loan
Car Debt
401k loan or Life Insurance Loan
Personal Loan
Medical Debt
Business Debt
Utility Loan (Solar, Internet, Phone/Tablet)
Debt to friends or family
HELOC
Mortgage/Land
I have additional debt not listed in the options above
What is your age?
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18-24
25-34
35-44
45-54
55-64
65+
(18-24) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)
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Less than 10% of Annual Salary
10% of Annual Salary
20% of Annual Salary
30% of Annual Salary
40% of Annual Salary
50+% of Annual Salary
(25-34) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)
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Less than 20% of Annual Salary
20% of Annual Salary
40% of Annual Salary
60+ of Annual Salary
80% of Annual Salary
100% of Annual Salary
(35-44) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)
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Less than 30% of Annual Salary
30% of Annual Salary
40% of Annual Salary
60% of Annual Salary
80% of Annual Salary
100% of Annual Salary
(45-54) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)
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Less than 100% of Annual Salary
100% of Annual Salary
200% of Annual Salary
300% of Annual Salary
500% of Annual Salary
700+% of Annual Salary
(55-64) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)
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Less than 200% of Annual Salary
200% of Annual Salary
300% of Annual Salary
500% of Annual Salary
700% of Annual Salary
1,000+% of Annual Salary
(65+) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)
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Less than 300% of Annual Salary
300% of Annual Salary
500% of Annual Salary
1,000% of Annual Salary
1,200% of Annual Salary
1,500+% of Annual Salary
How much money do you have in an emergency fund?
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0 months of living expenses
1 month of living expenses
2 months of living expenses
3 months of living expenses
4 months of living expenses
6 months of living expenses
Do you own any real estate?
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Yes
No
How much real estate do you own?
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I own my primary residence with NO debt and one or more additional cash flowing properties with NO debt
I own my primary residence with NO debt and one or more additional cash flowing properties WITH debt
I own my primary residence WITH debt and one or more additional cash flowing properties WITH debt
I own my primary residence with NO debt
I own my primary residence WITH debt
🥳
ALL DONE!
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Spending Score
Debt Score
Emergency Funds Score
Retirement Score
Real Estate Score
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Score Final