Will You Be Work-Free or Worry-Filled at 65?

Let’s see if your current habits are setting you up for chill vibes—or financial stress—in retirement.

Instructions: Choose the answer that feels most like you. Tally your points and check your result at the end!

1. How often do you think about retirement?

A. I already have a plan and check on it regularly. (5 points)

B. I’ve started thinking about it and saving a little. (4 points)

C. Only when someone brings it up. (2 points)

D. Not really—I’m focused on surviving today. (1 point)

2. Do you currently have any retirement savings? (401(k), IRA, Annuity, etc.)

A. Yes, I contribute consistently and know my options. (5 points)

B. Yes, but I’m not sure if I’m saving enough. (4 points)

C. I have something from an old job, but that’s about it. (2 points)

D. No, I haven’t started saving yet. (1 point)

3. If your paycheck stopped tomorrow, how long could you stay afloat?

A. More than 6 months—I’ve got savings and a plan. (5 points)

B. 1–3 months—things would get tight, but I’d survive. (3 points)

C. A few weeks—I’d need to find help quickly. (2 points)

D. Not even a week—I’m living check to check. (1 point)

4. When it comes to investing…

A. I actively invest and understand how to grow long-term wealth. (5 points)

B. I invest a little through my job or apps, but don’t know much. (3 points)

C. I’m not investing, but I’ve been meaning to. (2 points

)D. Investing sounds too risky and confusing. (1 point)

5. What’s your plan for healthcare in retirement?

A. I have a strategy that includes Medicare, supplemental insurance, or HSAs. (5 points)

B. I’ll rely on Medicare, but haven’t really looked into the costs. (3 points)

C. I haven’t thought about it at all. (1 point)

D. I didn’t even know healthcare costs so much after 65. (0 points)

6. What does your ideal retirement look like?

A. Traveling, relaxing, volunteering—living life on my terms. (5 points)

B. Maybe a part-time job or business, but mostly freedom. (4 points)

C. Working until I absolutely can’t anymore. (2 points)

D. I’m just hoping for the best, honestly. (1 point)

7. How confident are you that you'll be financially secure by age 65?

A. Very confident—I have multiple income streams planned. (5 points)

B. Somewhat confident—I’m on my way. (4 points)

C. Not sure—I’m playing catch-up. (2 points)

D. I don’t feel confident at all. (1 point)

SCORE BREAKDOWN

30–35 Points: Work-Free & Wealthy Vibes

You’re cruising toward retirement with confidence! You’ve got a plan, savings, and strategy. Whether you stop working at 55 or 65, you’re ready to enjoy the life you’ve built. Keep it going!

22–29 Points: Almost There, Keep Climbing

You’ve started the journey—and that’s huge! You’ve laid some groundwork, but there’s still room to tighten up your plan. A few strategic moves now can mean major freedom later.

13–21 Points: Financial Fog Ahead

You’re not completely lost, but the path is unclear. If you want to avoid working forever, it’s time to get serious about building savings, learning to invest, and creating long-term security.

Below 13 Points: Worry-Filled Wake-Up Call

No judgment—but let’s be real. If you keep going like this, retirement will be stressful. The good news? You can still rewrite the story. Start small, stay consistent, and ask for help if you need it.