Where do you stand on the 7 Disciplines of wealth?
Twenty-one quick questions, a personalized score, and the two things to work on first. Add one specialty track if you want to go deeper.
The 7 Disciplines, explained
Why we score these seven, and why the weakest one usually matters more than the strongest.
The 7 Disciplines of wealth in four minutes
Coming soon: Garrett walks through each discipline and the one question to ask yourself about each.
See all videos →Seven habits, one plan
Most money problems trace back to one of these seven. Get all seven to "mostly" and the rest of planning gets a lot easier.
Take the 7 Disciplines Test
Answer honestly; nobody sees this but you unless you choose to share it. Nothing is saved.
Who is this for?
I know roughly what I spend each month.
I spend less than I earn most months.
I have a plan for where extra money goes.
I know the rate and payoff date on every debt I have.
I pay more than the minimum on at least one debt.
I haven't added new consumer debt in the last year.
I could cover a $1,000 surprise without borrowing.
I have 3 months of expenses set aside.
My emergency money is separate from my spending account.
My family would be okay financially if my income stopped.
I have health coverage that fits my situation.
I know what my life, disability and home or auto coverage actually pays.
I put money into retirement or investment accounts every month.
I get my full employer match, if one is offered.
I know roughly what my accounts are invested in and why.
I use tax-advantaged accounts (401(k), IRA, HSA, 529) on purpose.
Someone has reviewed my return for missed deductions or credits.
I know roughly how my retirement income will be taxed.
I have a current will or trust.
My beneficiaries on retirement accounts and insurance are up to date.
Someone I trust knows where my documents are and what I want.
Want to go deeper on one area? (optional)
Pick one specialty track for four more questions, or skip to your score.
I review my withholding or estimated payments at least once a year.
I know which of my accounts are taxed now, later or never.
I keep records for every deduction I take.
I've planned for taxes in retirement, not just this year.
My will or trust was reviewed in the last 5 years.
I have powers of attorney for finances and health care.
My business (if any) has an operating or buy-sell agreement.
I know whether my estate would go through probate.
I know how much life insurance I need, not just what I have.
I've compared my health coverage options in the last 2 years.
I have disability or income protection if my job stopped.
I've reviewed home, auto and umbrella limits with someone.
I know my mortgage payoff date and what extra payments would do.
I've compared paying extra on the house vs. investing the difference.
I have a plan for business or property debt (if any).
I've checked whether refinancing or restructuring makes sense recently.
I know how much I need saved to retire the way I want.
Part of my retirement income is guaranteed (pension, Social Security, annuity).
I know how much of my savings is protected from market losses.
I've mapped which accounts I'll draw from first in retirement.
Professional? Mike Wilson's study material, the reading list and videos are on the Reading List & Pro page.
Book your free score review
Bring your score. In 30 minutes Garrett walks through your two weakest disciplines and what to do about them first.
You'll meet with Garrett Alcorn · 30 min · Google Meet
Free 30-minute call. No cost, no pressure. Trouble seeing times? Open the booking page.
Need accounting or taxes first? Request a time with Nik. Wills or trusts? Send a request to Mike Nellinger.
For education only, not financial, tax, legal or insurance advice. Insurance products are offered through licensed professionals; tax and legal services are provided by independent professionals. See our full disclosures in the footer.