Are You on Track for Financial Freedom?

You dream of money working for you—but are your current habits leading you there? Take this quiz to find out if you’re building a path to freedom or spinning your financial wheels.

Instructions: Choose the answer that best reflects your current financial habits. Tally your points and check your financial freedom score at the end!

1. Do you have a clear definition of what financial freedom looks like for you?

A. Yes—I've written it down and created a plan. (5 points)

B. Kind of—I’ve thought about it, but it’s not mapped out. (3 points)

C. I think it means not working and still having money? (1 point)

D. I’ve never really thought about it. (0 points)

2. How much of your income are you saving or investing each month?

A. At least 20% or more consistently. (5 points)

B. 10–20% most months. (3 points)

C. Less than 10%—when I can. (1 point)

D. I’m not saving or investing right now. (0 points)

3. Do you have multiple streams of income?

A. Yes—investments, business, side hustles, or passive income. (5 points)

B. I have my main job and a small side hustle. (3 points)

C. I’ve been meaning to start one, but haven’t yet. (1 point)

D. No, just one source of income. (0 points)

4. Are you debt-free or actively paying off debt with a plan?

A. Yes—I’m debt-free or have a clear payoff strategy. (5 points)

B. I’m making payments but don’t have a full strategy. (3 points)

C. I pay when I can but I’m behind on some things. (1 point)

D. I avoid my debt and feel overwhelmed by it. (0 points)

5. Do you invest for long-term growth (e.g., retirement, stocks, real estate)?

A. Yes—regularly and intentionally. (5 points)

B. Yes, but not consistently. (3 points)

C. No, but I want to learn how. (1 point

D. Nope—feels too complicated or risky. (0 points)

6. How often do you review your financial goals and progress?

A. Monthly or quarterly—I stay focused on my goals. (5 points)

B. Every now and then—when life slows down. (3 points)

C. Rarely—I feel like I’m winging it. (1 point)

D. Never—I’m just surviving. (0 points)

7. Do you feel confident about your financial future?

A. Absolutely—I have clarity, control, and a long-term plan. (5 points)

B. Somewhat—I'm working on it, but still unsure. (3 points)

C. Not really—I’m anxious about money all the time. (1 point)

D. No—I feel stuck and don't know where to start. (0 points)

SCORE BREAKDOWN

30–35 Points: Freedom Focused

You are well on your way to financial freedom! You’ve built a foundation of good habits, income streams, and long-term thinking. Stay consistent and keep building—it’s closer than you think!

22–29 Points: Getting There

You’ve started the journey and are building strong habits, but some gaps might be slowing your momentum. A few tweaks in saving, investing, or income diversification can help speed things up.

13–21 Points: Stuck in the Cycle

You want financial freedom, but your current habits may be keeping you in survival mode. This is your call to create a plan, set clear goals, and take small, consistent steps forward.

Below 13 Points: Time for a Reset

Right now, you’re likely living paycheck to paycheck with little progress toward long-term freedom. Don’t beat yourself up—this is your chance to take control, get support, and start fresh. You deserve wealth, peace, and options.