What This Assessment Actually Tells You

Most financial calculators give you a number and leave you more confused than when you started. This assessment is different. It tells you:

• Where you actually stand – Not a meaningless score, but your real position on the path from trapped to free
• What’s holding you back – The specific constraint that’s limiting your progress right now
• Your next unlock – The single most important action that will move you forward
• Your timeline – A realistic view of how far you are from making work optional

The Six Levels of Financial Freedom

Surviving – Living paycheck to paycheck. One emergency away from crisis. Every decision is about getting through this month.

Stable – Bills get paid, but there’s no margin. A job loss or major expense would send you backward fast.

Secure – You have a real emergency fund, you’re investing, and setbacks are annoying rather than catastrophic.

Flexible – You could take a pay cut, push back on your boss, or take a sabbatical without panic. You have leverage.

Independent – Your investments generate enough to cover your needs. Work is optional. Most people never reach this level.

Abundant – Money creates opportunities, not constraints. You work on what matters to you, not what pays the bills.

The Question Behind the Questions

Every question in this assessment is designed to answer one thing: How much control do you actually have over your life?

Financial freedom isn’t really about money. It’s about options. It’s about being able to say no. It’s about not having your stomach drop when you see an unexpected bill. It’s about choosing how you spend your time, not having it chosen for you.

The path is simple (not easy, but simple): spend less than you earn, invest the difference, and repeat until your investments can replace your paycheck.

This assessment shows you where you are on that path, what’s blocking you, and what to do next.