If your income stopped tomorrow, how long could your household run without major changes?
A.
Less than 3 months
B.
3–6 months
C.
6–12 months
D.
1–2 years
E.
2+ years
2.
If the market dropped 20% next month, what would you actually do?
A.
Reduce exposure
B.
Wait and see
C.
Stay invested but question decisions
D.
Rebalance
E.
Add capital intentionally
3.
Do you have a clear system that connects your income, investments, taxes, insurance, and estate plan?
A.
No system
B.
Pieces exist but not connected
C.
Basic structure
D.
Mostly coordinated
E.
Fully coordinated
4.
How much of your net worth is tied to a single company (stock, RSUs, options, or your business)?
A.
Most of it
B.
A large portion
C.
Some concentration
D.
Limited concentration
E.
Intentionally diversified
5.
If something happened to you, how clear would your financial life be for your partner or family?
A.
Not clear at all
B.
Some accounts, no structure
C.
Basic visibility
D.
Mostly organized
E.
Fully documented and easy to follow
6.
How often do you revisit or question your financial decisions or your advisor’s?
A.
Frequently
B.
Every so often
C.
Occasionally
D.
Rarely
E.
Decisions feel settled and intentional
7.
When you step back, how would you describe your financial life today?
A.
I’m reacting as things come up
B.
I’m doing fine but not fully structured
C.
I have some systems in place
D.
I’m mostly intentional
E.
I have a clear, coordinated plan
Quiz Outcomes
1.
Reactive Setup
Your Sleep-at-Night Score™Right now, your financial life is likely being managed one decision at a time.You’re probably doing a lot right.But when something changes, you don’t feel immediately clear on what to do.You need time to think it through.That’s what this score is really measuring.Not how well you’re doing.But whether you’d feel clear… or uncertain… in the moments that matter.What this usually feels like:• Decisions feel heavier than they should • You revisit things more often than you’d like • There’s no single place everything connectsWhen something real happens:A market drop A large vest A major financial decisionYou’re relying on judgment in the moment instead of a plan you already trust.That’s when:• Confidence drops • Decisions get delayed • Sleep gets worseThe reality:This doesn’t mean you’re behind.It usually means things just haven’t been pulled together yet.
2.
Partially Coordinated
Your Sleep-at-Night Score™You’ve made strong financial decisions.But when something changes, you may not feel completely clear right away.You still need to think it through.That’s the difference this score is picking up.Not effort.Clarity.What this usually feels like:• Some areas are clear, others aren’t • Decisions don’t always build on each other • You still second guess certain movesWhen something real happens:You pause You weigh options You take longer than you’d like to feel confidentNot because you don’t know what you’re doing.Because everything isn’t fully connected yet.Over time:Nothing feels broken.But:• Progress slows • Complexity builds • Confidence never fully locks inThe reality:You’re closer than you think.This is where things start to feel simpler — not more complex.
3.
Coordinated System
Your Sleep-at-Night Score™You likely have a strong financial foundation in place.When something changes, you usually know what to do.That’s what “sleep at night” actually reflects.Not perfection.Confidence.What this usually looks like:• You have a framework behind decisions • You’re not reacting as often • You’ve thought through more than just investmentsBut even here:The question shifts.Not:“What should I do?”But:“Can I trust what I’ve built?”When something real happens:Decisions are clearer.But small gaps can still create doubt in bigger moments.At this level:• Concentration risk can build quietly • Tax inefficiencies can compound • Assumptions may not be fully pressure-testedThe reality:This is where refinement matters.Not more complexity.More precision — so decisions feel as clear in real life as they do in theory.
