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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.

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 Protect Your Personal Finances Now
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Read More2019 Tax Prep: Back to Basics
It’s tax time again. And while the federal income tax filing deadline for 2019 has been extended to July 15, 2020, that date will be here before you know it. Whether you’re preparing your own taxes or seeking professional assistance,…
Read MoreStaying on Track with Your Financial Goals
You Can Do It! Stay on Track with Your Financial Goals Did you set any financial goals or resolutions for the new year? If so, each month is the perfect time to see if you’re staying on track with your…
Read MoreStart the New Year Right, Set Financial Goals
As 2019 draws to a close, many of us are looking toward the new year with big plans and aspirations. Carry this excitement over to your finances, too! Set financial goals in the new year to build a stronger financial…
Read MoreTackle Unexpected Expenses with an Emergency Fund and Help from Relief Societies
One of life’s certainties is that it is uncertain, right? Life can throw a curveball in the form of a lost job, vehicle or home repair, health costs, or emergency travel, just to name a few. When these events occur,…
Read MoreReimbursement for Relicensing Fees Is Here, Milspouses!
Reimbursement for Relicensing & Certification Fees for Military Spouses The Department of Defense (DoD) recognizes the challenges many military spouses face maintaining a career while moving every few years. So, the DoD introduced the National Defense Authorization Acts of 2018…
Read More5 Steps for Sending Your Military Kid Back to School on a Budget
Back to School on a Budget It’s back to school time! And while parents may be breathing a collective sigh of relief, it might be a different story when it comes to their wallets. According to a recent survey, families…
Read MoreChanges to the Post-9/11 GI Bill’s Transferability Rules Coming January 2020
Post-9/11 GI Bill Transferability Rules Significant changes were made to the transferability rules for the Post-9/11 GI Bill, which were to become effective in July 2019. However, the Pentagon recently delayed these changes until Jan. 12, 2020. It is important…
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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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