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Prosperity Assessment
Discover Your Financial Foundation
This assessment evaluates your current standing across the 8 Principles of Prosperity. Answer honestly—there are no right or wrong answers. Your results will reveal strengths to build on and opportunities for growth.
32 questions · about 8 minutes · answers stay on your device and are never sent anywhere.
Increase Income
"Improve your skills & resources and your income will follow."
1 I actively invest in developing new skills that increase my value in the marketplace.
2 My income has increased over the past 2-3 years (beyond cost of living adjustments).
3 I have multiple sources of income or am actively working to create them.
4 I know my market value and am compensated fairly for my skills and experience.
Please answer all four statements to continue.
Increase Savings
"Pay yourself first and become self-sufficient."
5 I consistently save a portion of my income before paying other expenses (pay yourself first).
6 I have an emergency fund that could cover 3-6 months of expenses.
7 My savings are automated (automatic transfers to savings/investment accounts).
8 I save at least 10-15% of my gross income for long-term goals.
Please answer all four statements to continue.
Account for Spending
"Be fully aware of your finances and you will control spending."
9 I know exactly where my money goes each month.
10 I follow a budget or spending plan that aligns with my priorities.
11 I rarely make impulsive purchases that I later regret.
12 My spending reflects my true values and what matters most to me.
Please answer all four statements to continue.
Account for Debt & Resources
"Free yourself from debt so you're earning, not paying."
13 I know exactly how much debt I have and to whom I owe it.
14 I have a clear plan to eliminate my debt (or I am already debt-free except for mortgage).
15 I pay my credit cards in full each month and avoid high-interest debt.
16 I maintain a good credit score (700+) and monitor my credit regularly.
Please answer all four statements to continue.
Manage Risk
"Organize & protect your assets so they're not at risk."
17 I have adequate insurance coverage (health, auto, home/renters, life if applicable).
18 I have disability insurance or could survive financially if I couldn't work for 6+ months.
19 I have a current will or estate plan that reflects my wishes.
20 My important documents are organized and accessible to family in an emergency.
Please answer all four statements to continue.
Manage Investments
"Understand how to invest and follow a plan."
21 I understand basic investment concepts (stocks, bonds, mutual funds, diversification).
22 I have a written investment strategy and follow it consistently.
23 I maximize tax-advantaged accounts (401k, IRA, HSA) before taxable investing.
24 I stay invested through market ups and downs without making emotional decisions.
Please answer all four statements to continue.
Prepare for Retirement
"Prepare for retirement and retain more of your money."
25 I have calculated how much I need for retirement and know if I'm on track.
26 I contribute enough to get my full employer match (if available) in retirement accounts.
27 I understand how Social Security works and have a claiming strategy.
28 I have a plan for healthcare costs in retirement (Medicare, supplemental insurance, HSA).
Please answer all four statements to continue.
Prepare to Give
"Give back and show gratitude, and blessings increase."
29 I give regularly to causes I care about (charitable giving, tithing, community support).
30 My giving is intentional and strategic, not just reactive to requests.
31 I use tax-smart giving strategies (donor-advised funds, appreciated stock, QCDs if applicable).
32 I have thought about my legacy and how I want to impact others beyond my lifetime.
Please answer all four statements to continue.
Your Prosperity Profile
Overall Prosperity Score
