27 to 39 points:
27-39 Points: The Comfort Zone
This is a great place to be but don't stop here. You are far ahead of many others and you should be proud. However, you’re going to need to make financial planning a top priority to make sure that complacency doesn’t keep you from achieving financial security. If you begin to work more toward mastering some of the skills and knowledge that are required for successful financial planning, you may find you actually enjoy it more.