Retirement Rot Scorecard

Quiz Questions

• 1.
  I see or talk with close friends or family in person most weeks.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 2.
  I have someone I could call tonight to talk through a problem.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 3.
  I am part of a community of people that I enjoy spending time with

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 4.
  I'm physically active most days.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 5.
  I am doing things every week that challenge me mentally and keep me growing.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 6.
  I spend time every week in a place that makes me feel spiritually connected. (Prayer, meditation, time in nature, etc.)

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 7.
  I have an activity I enjoy so much that I lose track of time.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 8.
  I do an activity that I am passionate about at least once a week.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 9.
  I'm still learning or improving at something I care about.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 10.
  I regularly use my skills or experience to help someone outside my family.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 11.
  I can name my unique strengths and experience.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 12.
  I feel needed, and I feel that my experience still matters.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 13.
  My spending reflects what matters most to me.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 14.
  I avoid spending money on things that I know will not add value to my life.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree
• 15.
  I can spend on what adds value without any guilt.

  • A.
    Strongly Agree
  • B.
    Somewhat Agree
  • C.
    Disagree

Quiz Outcomes

• 1.
  HIGH ROT RiSK

  HIGH ROT RISK Right now your retirement, or the one you're heading toward, is more likely to drift than to thrive. That's not a verdict. It means there's a lot of room to build, and it's much easier to fix early than late. Start with your lowest-scoring category below.
• 2.
  At Risk

  At Risk: Your circle is thin right now, and much of it may have come from work. Isolation is one of the biggest drivers of retirement rot, so this is a very important place to start.
• 3.
  At Risk

  At Risk: Low energy, mood, or sense of peace is holding back everything else. Small, regular changes to how you move, rest, and recharge will do more than big plans.
• 4.
  At Risk

  At Risk: You don't yet have an activity that pulls you in. Without one, free time turns into empty time, so finding it is worth real effort.
• 5.
  At Risk

  At Risk: After a career of being needed, it's easy to feel like nobody needs you now. Your experience still matters, and putting it to work for others is one of the best protections against rot.
• 6.
  At Risk

  At Risk: Your money isn't yet lined up with what matters to you. That can mean holding back on things that would add a lot to your life, or spending on things that add very little.
• 7.
  Drifting Along

  Drifting Along: You have some good connections, but they may depend on a few people or on routine. A little effort now can make your circle much stronger.
• 8.
  Thriving

  Thriving: You have close, chosen relationships and you keep adding to them. Protect that by making time for the people who matter most.
• 9.
  Drifting Along

  Drifting Along: You're doing some things right, but your body, mind, or spirit is getting less attention than the others. Look at which of the three is lagging.
• 10.
  Thriving

  Thriving: You have the energy and calm to do what you want with your days. Keep the habits that are working.
• 11.
  Drifting Along

  Drifting Along: You have an interest, but it isn't a regular part of your week. Scheduling it, and learning or improving at it, turns an interest into a passion.
• 12.
  Thriving

  Thriving: You have something you love and you make time for it. Keep stretching, and share it with other people.
• 13.
  Drifting Along

  Drifting Along: You help in some ways, but not yet in a way that fully uses your strengths. Getting clear on what you do best is the next step.
• 14.
  Thriving

  Thriving: You're using your experience to make a difference. Keep it up, and notice how much it gives back to you.
• 15.
  Drifting Along

  Drifting Along: Some of your spending reflects your priorities, and some is on autopilot. Looking at where the two don't match is a good next step.
• 16.
  Thriving

  Thriving: Your spending reflects what matters most to you. Keep checking it as your life changes.
• 17.
  DRIFTING ALONG

  DRIFTING ALONG: You have some of the pieces in place, but a few areas are thinner than they should be. Retirees at this level often feel fine until a big change, like losing a routine, a friend, or their health, shows how little cushion they have. Now is a good time to shore up your weakest area.
• 18.
  LIVING THE DREAM

  LIVING THE DREAM You're doing what most people don't: putting real thought into what your days are for. Keep it going, and look at your lowest category below, since even strong retirements have one area that's quietly slipping.