What’s Your Financial Freedom Score?

Everyone talks about financial freedom—but do your habits, mindset, and money moves actually support it? Take this quiz to calculate your Financial Freedom Score.

Instructions: Choose the answer that feels most like you. Tally your points and check your score at the end!

1. Do you currently have money working for you (investments, passive income, etc.)?

A. Yes—I have active investments or income streams outside of work. (5 points)

B. Kind of—I’ve started investing, but it’s not consistent yet. (3 points)

C. No, but I want to start. (1 point)

D. No, and I’m not sure where to begin. (0 points)

2. How much consumer debt do you carry (excluding a mortgage)?

A. None—I'm debt-free or nearly there. (5 points)

B. Some, but I have a structured payoff plan. (3 points)

C. A lot—it stresses me out, but I try to manage it. (1 point)

D. I avoid looking at it altogether. (0 points)

3. Do you have savings or an emergency fund?

A. Yes—3–6 months of expenses or more. (5 points)

B. Some savings, but not enough to cover emergencies. (3 points)

C. I save occasionally but often dip into it. (1 point)

D. No savings yet. (0 points)

4. How confident are you that you could stop working one day and still afford your lifestyle?

A. Very confident—I’ve built or am building systems for that. (5 points)

B. Somewhat confident—I’m working on it. (3 points)

C. Not very confident—I’ll probably need to work forever. (1 point)

D. No confidence at all. (0 points)

5. How often do you track and manage your money?

A. Weekly or monthly with a clear plan and tools. (5 points)

B. I check in occasionally, usually when something comes up. (3 points)

C. I only look when things feel tight. (1 point)

D. I don’t really manage my money actively. (0 points)

6. Do you have a plan for retirement (like a 401(k), IRA, IUL, or annuity)?

A. Yes—I contribute consistently and understand my options. (5 points)

B. I’ve started, but I don’t really know what’s in it. (3 points)

C. I know I need one, but haven’t started. (1 point)

D. Nope—no retirement plan at all. (0 points)

7. What’s your mindset when it comes to building wealth?

A. I believe wealth is possible for me and I’m actively pursuing it. (5 points)

B. I’m hopeful, but still overcoming fear or lack mindset. (3 points)

C. I want it, but it feels far out of reach. (1 point)

D. Wealth seems like a fantasy. (0 points)

SCORE BREAKDOWN

30–35 Points: Freedom Is Within Reach

Your mindset, money moves, and long-term planning are aligned. You’re not just surviving—you’re building a life where you call the shots. Keep going—you’re on your way to true financial freedom!

22–29 Points: On the Path to Freedom

You’ve made strong progress, but there are still a few areas to strengthen. With more consistency and planning, financial freedom won’t just be a dream—it’ll be your new reality.

13–21 Points: Stuck in Survival Mode

You're putting in the work, but something's keeping you stuck. It’s time to stop winging it and start building with intention. Let’s shift from “getting by” to “getting free.”

Below 13 Points: Financial Freedom? Not Yet

Right now, you're likely in hustle mode with little strategy or peace. That doesn’t mean you’re stuck forever. This is your turning point—get support, create a plan, and start with one small win today.