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The Wealth Engine™ assessment

The Fragility Test

How well would your money hold up if your income stopped? Answer ten quick questions, get a score out of 50, and see the steps to take next.

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Save a profile and this tool starts with your own numbers.

How it works

Pick the answer that fits you best. Answers run from weakest on the left to strongest on the right and are worth 1 to 5 points. Higher is better — a perfect score is 50.

1

Very weak

2

Weak

3

Okay

4

Strong

5

Very strong

Answered 0 of 10
Income dependency

1. Income dependency

How dependent is your lifestyle on your salary or bonus?

High dependence = high vulnerability.

Emergency runway

2. Emergency runway

If your income stopped today, how many months could you cover essential expenses?

Cash runway buys time and options.

Insurance & protection

3. Insurance & protection

Do you have adequate health, life, disability and property insurance?

Protection prevents a crisis from becoming a catastrophe.

Investment independence

4. Investment independence

What share of your investments pays you income (dividends, rent, business profit)?

Assets that pay you reduce dependence.

Essential expense flexibility

5. Essential expense flexibility

How much of your essential spending is fixed and hard to cut?

Flexibility gives you room to adapt.

Income replacement time

6. Income replacement time

How long would it realistically take to replace your income?

Longer replacement time = greater risk.

Skills & employability

7. Skills & employability

How easily could you find a similar job and income?

Marketability protects your earning power.

Family financial impact

8. Family financial impact

How hard would it hit your family if your income stopped?

Your plan should protect the people you love.

Debt exposure

9. Debt exposure

How large is your total debt compared with your yearly income?

Debt magnifies risk and limits options.

Ownership & optionality

10. Ownership & optionality

Do you own cash-flowing assets or a business?

Ownership creates options and freedom.

Answer all ten questions to see your score, your strongest and weakest areas, and your next steps.

What the scores mean

10 – 20 — Very fragile

Your financial foundation is weak. You are one event away from a crisis.

Focus on survival first: cash runway, insurance, debt, and essential expenses.

21 – 30 — Fragile

You are vulnerable. Build more savings, reduce debt, and create options.

Strengthen your foundation and start building income optionality.

31 – 40 — Moderate

You have some resilience, but you are still dependent on your income.

Start shifting from income dependency to asset ownership.

41 – 50 — Strong

You have a strong foundation and options. Now it is time to build ownership and wealth.

Deploy capital into ownership. Acquire. Operate. Compound.

A high income can create a good lifestyle. Ownership creates a secure future. The goal is not a perfect score — it is increasing your financial resilience every year. Acquire. Operate. Compound.

Ask Monet this

Tap a question to open Monet with it ready to edit. Educational guidance only — not tax, legal or investment advice.

Educational guidance, not personal advice. Outputs are illustrative, may contain errors, and should be independently verified before material decisions.