What’s Your Retirement Readiness Score?

Are you prepared to retire with confidence—or will you be scrambling at the finish line? Let’s find out.

Instructions: Choose the answer that sounds most like you. Tally your points and reveal your readiness score at the end!

1. Do you know how much money you’ll need to retire comfortably?

A. Yes, I’ve calculated it and have a plan in place. (5 points)

B. I have a rough idea, but it’s not written down. (4 points)

C. Not really—I’m just saving what I can. (2 points)

D. No clue—I’ve never thought about it. (0 points)

2. How consistently are you saving for retirement?

A. I contribute monthly without fail. (5 points)

B. I save most months, unless something comes up. (4 points)

C. Occasionally—I save when I get extra money. (2 points)

D. Not saving at all right now. (0 points)

3. Do you have a retirement account (401(k), IRA, Roth IRA, etc.)?

A. Yes, and I know exactly how it’s performing. (5 points)

B. Yes, but I don’t check it often. (4 points)

C. I had one through a previous job, but I’ve lost track of it. (2 points)

D. Nope, I haven’t started yet. (0 points)

4. Have you thought about how inflation will impact your retirement?

A. Yes—I’ve factored it into my long-term plan. (5 points)

B. A little, but I’m not sure how to plan for it. (3 points)

C. Not really—I didn’t know I should. (1 point)

D. What does inflation have to do with retirement? (0 points)

5. How diversified are your retirement savings?

A. Very diversified—stocks, annuities, real estate, and more. (5 points)

B. Somewhat—mostly through employer options. (4 points)

C. Not diversified—it’s all in one place. (2 points)

D. I’m not investing at all yet. (0 points)

6. Do you have a plan for income in retirement (pensions, annuities, Social Security, etc.)?

A. Yes, I’ve outlined every source and what it will pay. (5 points)

B. I have some idea, but it’s not all mapped out yet. (3 points)

C. I’m counting on Social Security and hoping it’ll be enough. (1 point)

D. I don’t know where my retirement income will come from. (0 points)

7. Do you have a plan for unexpected expenses in retirement (like healthcare or emergencies)?

A. Yes, I’ve built an emergency and healthcare fund. (5 points)

B. Somewhat—I’m aware but haven’t done much planning. (3 points)

C. No real plan—I’ll deal with it when it happens. (1 point)

D. I haven’t even considered this. (0 points)

SCORE BREAKDOWN

30–35 Points: Retirement Ready Rockstar

You’re on track to retire with confidence and freedom! You’ve thought through the details, made a plan, and are actively preparing for a future you control. Keep it up—you’re a model for retirement success.

21–29 Points: Almost Ready, Just Needs Fine-Tuning

You’ve made some smart moves and you’re heading in the right direction. Now it’s time to fine-tune your strategy and address the gaps—especially around income planning and risk protection.

10–20 Points: Caution Zone

Your retirement plan needs attention. You’ve likely started but may not have the clarity or consistency you need. Don’t worry—you can still shift gears and build a solid foundation. Start today!

Below 10 Points: Retirement at Risk

Right now, you’re not ready—but that can change. It’s time to get serious about creating a strategy, building savings, and learning how to make your money work for you. Your future self will thank you!