A calm, practical self-assessment for couples and families who want clarity on their financial foundation — especially before life changes.
Before you begin
This checkup scores 5 areas of your financial life — income, debt, health, family, and estate. It takes about 3 minutes. At the end you'll see exactly where you stand and what to address first.
Area 1 of 5
Income continuity
If one income paused for 6–12 months, how stable is your household?
Emergency fund covers 3–6 months of expenses
Disability coverage is in place — group or personal
Critical illness coverage has been considered
Monthly expenses manageable if one income pauses
No single earner carrying all core bills alone
0 = high exposure5 = strong and coordinated
Area 2 of 5
Mortgage & debt resilience
Would your home and payments stay secure if life changed suddenly?
Mortgage protection is clear and documented
High-interest debt is controlled or actively being paid down
Home expenses manageable temporarily on one income
Beneficiaries align with your mortgage goals
No hidden liabilities — co-signed loans, unsecured lines
0 = high exposure5 = strong and coordinated
Area 3 of 5
Health event readiness
Could you manage a serious diagnosis without financial chaos?
You could cover deductibles, travel, and recovery costs
Time-off plan exists — sick leave, coverage, and savings
Coverage matches your real risks, not a generic plan
Family knows the plan if a diagnosis happens
A medical absence would not force you into major debt
0 = high exposure5 = strong and coordinated
Area 4 of 5
Kids & family continuity
Is there a clear, documented plan for your dependents if something happened today?
Guardianship plan is written — not just discussed
Immediate cash needs are covered if something happens
Childcare and schooling expenses have a contingency plan
Beneficiaries are correct and up to date
Both partners know where all documents are kept
0 = high exposure5 = strong and coordinated
Area 5 of 5
Estate & paperwork readiness
Are your wills, beneficiaries, and documents aligned — or is there a mess waiting?
Wills are in place and current
Power of attorney documents are set
Beneficiary designations match your actual intentions
Life insurance and accounts are coordinated — no contradictions
Key documents are organized and accessible to trusted people