โก Level Assessment โ 6 Questions
1. Emergency fund โ how many months of expenses do you have saved and accessible?
None
Under 1 month
1โ3 months
3โ6 months
6+ months
2. High-interest debt (credit cards, personal loans) โ what's your situation?
Significant & growing
Significant, paying minimums
Some, actively paying down
Almost eliminated
Completely debt-free
3. Retirement investing โ where are you?
Haven't started
Tiny contribution
Capturing employer match
Maxing Roth IRA too
Maxing all accounts
4. Net worth trajectory โ which best describes your financial momentum?
Negative net worth
Near zero, stagnant
Growing slowly
Growing steadily
Compounding fast
5. Monthly cash flow โ what happens at the end of each month?
Always in the red
Barely breaking even
Modest surplus
Strong surplus
Multiple income streams
6. Financial protection & planning โ how covered are you?
No insurance or plan
Basic health insurance only
Insurance + some planning
Full insurance + will
Complete financial plan