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Take the Financial Readiness Quiz
I know my monthly household income, and I have a good handle on how money is spent each month.

If you struggled here, visit Create a Budget for more information.
I follow a spending plan (budget) for managing my income and expenses.

If you struggled here, visit Create a Budget for more information.
I save at least 10% to 15% of my gross pay for savings/investments each pay period.
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If you struggled here, visit Save and Invest for more information.
I have saved an emergency fund with at least three to six months of my basic living expenses.

If you struggled here, visit Save and Invest for more information.
I use credit wisely. I pay my balances in full each month. I limit my open lines of credit.

If you struggled here, visit Understand Credit for more information.
I know my credit score and the information contained within my credit report.

If you struggled here, visit Understand Credit for more information.
I make sure to check my credit report annually to ensure its accuracy.

If you struggled here, visit Understand Credit for more information.
I understand my consumer rights and take steps to ensure my credit rating is accurate.

If you struggled here, visit Understand Credit for more information.
I know how to calculate my debt-to-income ratio (DTI), and I am able to keep it below 36%-43%.

If you struggled here, visit Manage Debt for more information.
Our household is investing for retirement by contributing to tax-advantaged accounts such as an IRA, TSP, 401(k) or other employer-provided plan.

If you struggled here, visit Plan to Retire for more information.
I am familiar with the investing options that are available to help save for education.

If you struggled here, visit Plan to Retire for more information.
I am familiar with the investing options for education that benefit my family.

If you struggled here, visit Fund College for more information.
I am familiar with the basic investing implications of stocks, bonds, real estate and mutual funds.

If you struggled here, visit Save and Invest for more information.
Our household has purchased appropriate auto insurance coverage for our vehicles and review it during every permanent change of station.

If you struggled here, visit Insure Your Family for more information.
Our household has purchased renters insurance to protect our personal property (if you do not own a home).

If you struggled here, visit Insure Your Family for more information.
Our household has insured our home for its complete replacement value (if you own a home).

If you struggled here, visit Insure Your Family for more information.
My spouse and I have appropriate life insurance for our situation and review it often. If either one of us should die, it will not create a financial burden for our family.

If you struggled here, visit Insure Your Family for more information.
I understand our TRICARE health coverage and how to enroll my family.

If you struggled here, visit Insure Your Family for more information.
My spouse and I have prepared and executed a will, powers of attorney, and a letter of instruction as appropriate. We update them regularly to prevent court delays in our estate settlement and other important matters following a death.
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If you struggled here, visit Plan Your Estate for more information.
I understand and take precautions to protect myself from identity theft.

If you struggled here, visit Protect Your Identity for more information.
You've completed the "Financial Readiness Quiz!"
And Scored 1 POINT...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 2 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 3 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 4 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 5 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 6 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 7 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 8 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 9 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 10 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 11 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 12 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 13 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 14 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 15 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 16 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 17 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 18 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 19 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Achieved A PERFECT SCORE!
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
Share your Results:
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MilLife Milestones
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Our Blog
How to Be Financially Prepared for Unexpected Events
As a military spouse, you’ve learned to adapt to change. Still, the unexpected — whether a broken-down car, job loss, emergency travel or natural disaster — can cause stress and add pressure to your finances. Fortunately, you can take proactive…
Read More5 Ways to Save on Back-to-School Shopping
The cost of this season preparing kids for school can add up quickly. With higher inflation, money does not go as far as it used to. Families are feeling these impacts firsthand when buying their students new clothes, shoes, backpacks,…
Read MoreRenters Insurance – Protect the stuff you love and need
The phrase “home sweet home” takes on a different meaning when you’re a military spouse! Every move comes with decisions about living on-base or off-base, renting or owning, and choosing new schools. There is a lot to consider! One constant…
Read MoreWhat You Need to Know about Stock Market Volatility
We’re often told NOT to stick our heads in the sand when times get tough, right? Well, when it comes to market volatility, that might be one winning strategy! It’s possible to see a well-diversified portfolio recover if you exercise…
Read MoreSpring Clean to Earn Some Green
Ah, spring! Days are getting longer, temperatures are rising, and for many, it is a time to renew and refresh. It is also a time to focus on the home front, literally. Maybe your yard needs some attention after the…
Read MoreCelebrating MilSpouses and Community
Military spouses are the lifeblood of the military family. You wear many hats whether you’re home managing the household, pursuing your own career, or also serve in the military. For MilSpouse Appreciation 2022, we strive to praise and build this…
Read MoreInflation Hacks – Tips to Strengthen Your Budget
By now you’re likely feeling the impact of paying more at the grocery store and gas station. Are these increases starting to affect your daily decisions? If this is your experience, you are not alone. The force at work is…
Read MoreFrom Piggy Banks to Roth IRAs – A Phased Approach to Saving
Perhaps now more than ever it’s important to talk about smart money moves with your children. We’re all feeling the impact of the rising cost of goods and services – otherwise known as inflation. As families look to tighten the…
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Personality Quiz
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
Take the Financial Readiness Quiz
I know my monthly household income, and I have a good handle on how money is spent each month.

If you struggled here, visit Create a Budget for more information.
I follow a spending plan (budget) for managing my income and expenses.

If you struggled here, visit Create a Budget for more information.
I save at least 10% to 15% of my gross pay for savings/investments each pay period.

If you struggled here, visit Save and Invest for more information.
I have saved an emergency fund with at least three to six months of my basic living expenses.

If you struggled here, visit Save and Invest for more information.
I use credit wisely. I pay my balances in full each month. I limit my open lines of credit.

If you struggled here, visit Understand Credit for more information.
I know my credit score and the information contained within my credit report.

If you struggled here, visit Understand Credit for more information.
I make sure to check my credit report annually to ensure its accuracy.

If you struggled here, visit Understand Credit for more information.
I understand my consumer rights and take steps to ensure my credit rating is accurate.

If you struggled here, visit Understand Credit for more information.
I know how to calculate my debt-to-income ratio (DTI), and I am able to keep it below 36%-43%.

If you struggled here, visit Manage Debt for more information.
Our household is investing for retirement by contributing to tax-advantaged accounts such as an IRA, TSP, 401(k) or other employer-provided plan.

If you struggled here, visit Plan to Retire for more information.
I am familiar with the investing options that are available to help save for education.

If you struggled here, visit Plan to Retire for more information.
I am familiar with the investing options for education that benefit my family.

If you struggled here, visit Fund College for more information.
I am familiar with the basic investing implications of stocks, bonds, real estate and mutual funds.

If you struggled here, visit Save and Invest for more information.
Our household has purchased appropriate auto insurance coverage for our vehicles and review it during every permanent change of station.

If you struggled here, visit Insure Your Family for more information.
Our household has purchased renters insurance to protect our personal property (if you do not own a home).

If you struggled here, visit Insure Your Family for more information.
Our household has insured our home for its complete replacement value (if you own a home).

If you struggled here, visit Insure Your Family for more information.
My spouse and I have appropriate life insurance for our situation and review it often. If either one of us should die, it will not create a financial burden for our family.

If you struggled here, visit Insure Your Family for more information.
I understand our TRICARE health coverage and how to enroll my family.
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If you struggled here, visit Insure Your Family for more information.
My spouse and I have prepared and executed a will, powers of attorney, and a letter of instruction as appropriate. We update them regularly to prevent court delays in our estate settlement and other important matters following a death.
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If you struggled here, visit Plan Your Estate for more information.
I understand and take precautions to protect myself from identity theft.
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If you struggled here, visit Protect Your Identity for more information.
You've completed the "Financial Readiness Quiz!"
And Scored 1 POINT...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 2 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 3 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 4 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 5 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 6 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 7 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 8 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 9 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 10 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 11 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 12 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 13 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 14 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 15 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 16 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 17 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 18 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Scored 19 POINTS...
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
You've completed the "Financial Readiness Quiz!"
And Achieved A PERFECT SCORE!
The total possible number of points you could have scored is 20. Below is an explanation of your results:- A score between 15-20 is generally good!
- A score between 10-15 might mean you need some additional guidance.
- A score below 10 might mean you need some significant help.
For FREE, confidential financial counseling, meet with a personal financial counselor on your installation. In addition, you may reach out to the Non-Medical Counselors at Military OneSource 24/7/365.
Share your Results:
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MilLife Milestones
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Money Ready
Money Ready
Money Ready
Money Ready
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