Financial Health Check: Score Your Money Habits
This comprehensive financial health assessment evaluates five key areas of your personal finances: Emergency Fund (your financial safety net), Debt Management (credit cards and debt-to-income ratio), Saving & Investing (savings rate and retirement contributions), Budgeting & Planning (budget tracking and financial goals), and Protection (insurance and estate planning). Get a letter grade (A+ to F) with specific recommendations for each area.
Try the Quiz
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
505
506
507
508
509
510
511
512
513
514
515
516
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
550
551
552
553
554
555
556
557
558
559
560
561
562
563
564
565
566
567
568
569
570
571
572
573
574
575
576
577
578
579
580
581
582
583
584
585
586
587
588
589
590
591
592
593
594
595
596
597
598
599
600
601
602
603
604
605
606
607
608
609
610
611
612
613
614
615
616
617
618
619
620
621
622
623
624
625
626
627
628
629
630
631
632
633
634
635
636
637
638
639
640
641
642
643
644
645
646
647
648
649
650
651
652
653
654
655
656
657
658
659
660
661
662
663
664
665
666
667
668
669
670
671
672
673
674
675
676
677
678
679
680
681
682
683
684
685
686
687
688
689
690
691
692
693
694
695
696
697
698
699
700
701
702
703
704
705
706
707
708
709
710
711
712
713
714
715
716
717
718
719
720
721
722
723
724
725
726
727
728
729
730
731
732
733
734
735
736
737
738
739
740
741
742
743
744
745
746
747
748
749
750
751
752
753
754
755
756
757
758
759
760
761
762
763
764
765
766
767
768
769
770
771
772
773
774
775
776
777
778
779
780
781
782
783
784
785
786
787
788
789
790
791
792
793
794
795
796
797
798
799
800
801
802
803
804
805
806
807
808
809
export function financialHealthCheckQuiz(form: FormTs) {
form.setTitle(() => '💰 Financial Health Check: Score Your Money Habits');
// ============ SCORING SYSTEM ============
const scores = form.state<Record<string, number>>({});
const updateScore = (category: string, points: number) => {
scores.update(current => ({ ...current, [category]: points }));
};
const getTotalScore = () => {
const s = scores();
return Object.values(s).reduce((sum, val) => sum + (val || 0), 0);
};
const getMaxScore = () => 100;
const getScorePercentage = () => Math.round((getTotalScore() / getMaxScore()) * 100);
const getHealthLevel = (): 'critical' | 'needs-work' | 'good' | 'excellent' => {
const pct = getScorePercentage();
if (pct >= 80) return 'excellent';
if (pct >= 60) return 'good';
if (pct >= 40) return 'needs-work';
return 'critical';
};
const getHealthLabel = () => {
const level = getHealthLevel();
const labels = {
critical: '🔴 Critical - Immediate Action Needed',
'needs-work': '🟡 Needs Work - Room for Improvement',
good: '🟢 Good - On the Right Track',
excellent: '⭐ Excellent - Financial Champion!'
};
return labels[level];
};
const getHealthColor = () => {
const level = getHealthLevel();
const colors = {
critical: '#dc2626',
'needs-work': '#ca8a04',
good: '#059669',
excellent: '#7c3aed'
};
return colors[level];
};
const getGrade = () => {
const pct = getScorePercentage();
if (pct >= 90) return 'A+';
if (pct >= 80) return 'A';
if (pct >= 70) return 'B';
if (pct >= 60) return 'C';
if (pct >= 50) return 'D';
return 'F';
};
// ============ COMPLETION SCREEN ============
form.configureCompletionScreen({
type: 'text',
title: () => `${getHealthLabel()} (Grade: ${getGrade()})`,
message: () => {
const pct = getScorePercentage();
const level = getHealthLevel();
const messages = {
critical: `Your financial health score is ${pct}%. Don't worry - every financial journey starts somewhere. Your personalized report includes specific steps to improve your situation.`,
'needs-work': `Your financial health score is ${pct}%. You've got a foundation, but there are important areas to address. Check your report for priority actions.`,
good: `Your financial health score is ${pct}%. You're making good financial decisions! Your report highlights areas to optimize further.`,
excellent: `Congratulations! Your financial health score is ${pct}%. You're a financial rockstar! Your report includes advanced strategies to maximize your wealth.`
};
return messages[level];
}
});
// ============ PAGES SETUP ============
const pages = form.addPages('quiz-pages', {
heightMode: 'current-page'
});
// ============ PAGE 1: Emergency Fund ============
const page1 = pages.addPage('emergency-fund', { mobileBreakpoint: 500 });
page1.addRow(row => {
row.addTextPanel('header1', {
label: 'Step 1 of 7: Emergency Fund',
computedValue: () => 'Your financial safety net',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280',
marginBottom: '1rem'
}
});
});
page1.addSpacer({ height: '24px' });
page1.addRow(row => {
row.addRadioButton('emergencyFund', {
label: 'How many months of expenses could you cover if you lost your income?',
tooltip: 'Financial experts recommend 3-6 months of expenses as an emergency fund',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'six-plus', name: '💪 6+ months - fully covered' },
{ id: 'three-six', name: '✅ 3-6 months - solid foundation' },
{ id: 'one-three', name: '⚠️ 1-3 months - getting there' },
{ id: 'under-one', name: '😰 Less than 1 month' },
{ id: 'none', name: '❌ No emergency savings' }
],
onValueChange: (val) => {
const points = { 'six-plus': 20, 'three-six': 15, 'one-three': 8, 'under-one': 3, none: 0 };
updateScore('emergency', points[val as keyof typeof points] || 0);
}
});
});
page1.addRow(row => {
row.addTextPanel('emergencyScore', {
computedValue: () => {
const s = scores();
return `🛡️ Emergency Fund Score: ${s['emergency'] || 0}/20`;
},
customStyles: () => {
const s = scores();
const score = s['emergency'] || 0;
const color = score >= 15 ? '#059669' : score >= 8 ? '#ca8a04' : '#dc2626';
return {
fontSize: '1rem',
fontWeight: '600',
color: color,
textAlign: 'center',
padding: '12px',
background: score >= 15 ? '#ecfdf5' : score >= 8 ? '#fefce8' : '#fef2f2',
borderRadius: '8px',
marginTop: '1rem',
border: `2px solid ${color}`
};
}
});
});
// ============ PAGE 2: Debt Management ============
const page2 = pages.addPage('debt', { mobileBreakpoint: 500 });
page2.addRow(row => {
row.addTextPanel('header2', {
label: 'Step 2 of 7: Debt Management',
computedValue: () => 'Understanding your debt situation',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280',
marginBottom: '1rem'
}
});
});
page2.addSpacer({ height: '24px' });
page2.addRow(row => {
row.addRadioButton('creditCardDebt', {
label: 'Do you carry credit card balances month to month?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'none', name: '✅ No - I pay in full every month' },
{ id: 'sometimes', name: '⚠️ Sometimes, but usually pay off quickly' },
{ id: 'regularly', name: '😰 Yes, I carry balances regularly' },
{ id: 'growing', name: '🚨 Yes, and the balance is growing' }
],
onValueChange: (val) => {
const points = { none: 10, sometimes: 6, regularly: 2, growing: 0 };
updateScore('creditCard', points[val as keyof typeof points] || 0);
}
});
});
page2.addRow(row => {
row.addRatingScale('debtIncome', {
label: 'What percentage of your income goes to debt payments (excluding mortgage)?',
tooltip: 'Debt-to-income ratio should ideally be under 20%',
isRequired: true,
preset: 'custom',
min: 0,
max: 4,
lowLabel: '0%',
highLabel: '50%+',
size: 'md',
alignment: 'center',
variant: 'segmented',
onValueChange: (val) => {
if (val == null) return;
// 0: 0%, 1: 1-10%, 2: 10-20%, 3: 20-35%, 4: 35%+
const points = [10, 8, 6, 3, 0];
updateScore('debtRatio', points[val] || 0);
}
});
});
page2.addRow(row => {
row.addTextPanel('debtHint', {
computedValue: () => {
const val = page2.ratingScale('debtIncome')?.value();
if (val === 0) return '0 = 0% - No debt payments (excellent!)';
if (val === 1) return '1 = 1-10% of income (healthy)';
if (val === 2) return '2 = 10-20% of income (manageable)';
if (val === 3) return '3 = 20-35% of income (concerning)';
if (val === 4) return '4 = 35%+ of income (critical)';
return 'Select your debt-to-income ratio';
},
customStyles: {
fontSize: '0.8rem',
color: '#6b7280',
textAlign: 'center',
marginTop: '0.25rem'
}
});
});
page2.addRow(row => {
row.addTextPanel('debtScore', {
computedValue: () => {
const s = scores();
const score = (s['creditCard'] || 0) + (s['debtRatio'] || 0);
return `💳 Debt Score: ${score}/20`;
},
customStyles: {
fontSize: '1rem',
fontWeight: '600',
color: '#1e40af',
textAlign: 'center',
padding: '12px',
background: '#dbeafe',
borderRadius: '8px',
marginTop: '1rem'
}
});
});
// ============ PAGE 3: Saving & Investing ============
const page3 = pages.addPage('saving', { mobileBreakpoint: 500 });
page3.addRow(row => {
row.addTextPanel('header3', {
label: 'Step 3 of 7: Saving & Investing',
computedValue: () => 'Building your wealth',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280',
marginBottom: '1rem'
}
});
});
page3.addSpacer({ height: '24px' });
page3.addRow(row => {
row.addRadioButton('savingsRate', {
label: 'What percentage of your income do you save/invest each month?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'twenty-plus', name: '🚀 20%+ - aggressive saver' },
{ id: 'fifteen-twenty', name: '💪 15-20% - on track for FIRE' },
{ id: 'ten-fifteen', name: '✅ 10-15% - solid foundation' },
{ id: 'five-ten', name: '⚠️ 5-10% - room to improve' },
{ id: 'under-five', name: '😰 Under 5%' },
{ id: 'none', name: '❌ I\'m not saving currently' }
],
onValueChange: (val) => {
const points = { 'twenty-plus': 15, 'fifteen-twenty': 12, 'ten-fifteen': 9, 'five-ten': 5, 'under-five': 2, none: 0 };
updateScore('savingsRate', points[val as keyof typeof points] || 0);
}
});
});
page3.addRow(row => {
row.addRadioButton('retirement', {
label: 'Are you contributing to retirement accounts (401k, IRA, etc.)?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'max', name: '🏆 Maxing out contributions' },
{ id: 'match', name: '✅ At least getting employer match' },
{ id: 'some', name: '⚠️ Contributing, but not to match' },
{ id: 'none', name: '❌ Not contributing to retirement' }
],
onValueChange: (val) => {
const points = { max: 10, match: 7, some: 4, none: 0 };
updateScore('retirement', points[val as keyof typeof points] || 0);
}
});
});
page3.addRow(row => {
row.addTextPanel('savingScore', {
computedValue: () => {
const s = scores();
const score = (s['savingsRate'] || 0) + (s['retirement'] || 0);
return `📈 Saving & Investing Score: ${score}/25`;
},
customStyles: {
fontSize: '1rem',
fontWeight: '600',
color: '#1e40af',
textAlign: 'center',
padding: '12px',
background: '#dbeafe',
borderRadius: '8px',
marginTop: '1rem'
}
});
});
// ============ PAGE 4: Budgeting & Planning ============
const page4 = pages.addPage('budgeting', { mobileBreakpoint: 500 });
page4.addRow(row => {
row.addTextPanel('header4', {
label: 'Step 4 of 7: Budgeting & Planning',
computedValue: () => 'Your financial awareness',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280',
marginBottom: '1rem'
}
});
});
page4.addSpacer({ height: '24px' });
page4.addRow(row => {
row.addRadioButton('budget', {
label: 'Do you follow a budget or spending plan?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'detailed', name: '📊 Yes, detailed budget tracked regularly' },
{ id: 'rough', name: '📝 Yes, rough tracking of major categories' },
{ id: 'mental', name: '🧠 Just mental awareness of spending' },
{ id: 'none', name: '❌ No budget or tracking' }
],
onValueChange: (val) => {
const points = { detailed: 10, rough: 7, mental: 3, none: 0 };
updateScore('budget', points[val as keyof typeof points] || 0);
}
});
});
page4.addRow(row => {
row.addRadioButton('goals', {
label: 'Do you have specific financial goals with target dates?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'written', name: '🎯 Yes, written goals with dates and amounts' },
{ id: 'mental', name: '💭 Yes, but mostly in my head' },
{ id: 'vague', name: '🤷 Just vague ideas about the future' },
{ id: 'none', name: '❌ No specific goals' }
],
onValueChange: (val) => {
const points = { written: 5, mental: 3, vague: 1, none: 0 };
updateScore('goals', points[val as keyof typeof points] || 0);
}
});
});
page4.addRow(row => {
row.addTextPanel('budgetScore', {
computedValue: () => {
const s = scores();
const score = (s['budget'] || 0) + (s['goals'] || 0);
return `📋 Budgeting Score: ${score}/15`;
},
customStyles: {
fontSize: '1rem',
fontWeight: '600',
color: '#1e40af',
textAlign: 'center',
padding: '12px',
background: '#dbeafe',
borderRadius: '8px',
marginTop: '1rem'
}
});
});
// ============ PAGE 5: Protection ============
const page5 = pages.addPage('protection', { mobileBreakpoint: 500 });
page5.addRow(row => {
row.addTextPanel('header5', {
label: 'Step 5 of 7: Financial Protection',
computedValue: () => 'Protecting what you\'ve built',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280',
marginBottom: '1rem'
}
});
});
page5.addSpacer({ height: '24px' });
page5.addRow(row => {
row.addSuggestionChips('insurance', {
label: 'Which types of insurance do you have?',
isRequired: true,
suggestions: [
{ id: 'health', name: '🏥 Health' },
{ id: 'life', name: '💀 Life' },
{ id: 'disability', name: '♿ Disability' },
{ id: 'auto', name: '🚗 Auto' },
{ id: 'home', name: '🏠 Home/Renters' }
],
min: 0,
alignment: 'center',
onValueChange: (val) => {
if (!val) return;
// Health and auto are essential (3 pts each), others 2 pts each
let points = 0;
if (val.includes('health')) points += 4;
if (val.includes('auto')) points += 2;
if (val.includes('life')) points += 2;
if (val.includes('disability')) points += 2;
if (val.includes('home')) points += 2;
updateScore('insurance', Math.min(points, 10));
}
});
});
page5.addRow(row => {
row.addRadioButton('will', {
label: 'Do you have a will and/or estate plan?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'complete', name: '✅ Yes, complete with all beneficiaries updated' },
{ id: 'partial', name: '⚠️ Partially - some documents but not complete' },
{ id: 'none', name: '❌ No will or estate plan' }
],
onValueChange: (val) => {
const points = { complete: 10, partial: 5, none: 0 };
updateScore('estate', points[val as keyof typeof points] || 0);
}
});
});
page5.addRow(row => {
row.addTextPanel('protectionScore', {
computedValue: () => {
const s = scores();
const score = (s['insurance'] || 0) + (s['estate'] || 0);
return `🛡️ Protection Score: ${score}/20`;
},
customStyles: {
fontSize: '1rem',
fontWeight: '600',
color: '#1e40af',
textAlign: 'center',
padding: '12px',
background: '#dbeafe',
borderRadius: '8px',
marginTop: '1rem'
}
});
});
// ============ PAGE 6: Results ============
const page6 = pages.addPage('results', { mobileBreakpoint: 500 });
page6.addRow(row => {
row.addTextPanel('header6', {
label: 'Step 6 of 7: Your Results',
computedValue: () => 'Your financial health assessment',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280',
marginBottom: '1rem'
}
});
});
page6.addSpacer({ height: '24px' });
page6.addRow(row => {
row.addTextPanel('gradeDisplay', {
computedValue: () => `Grade: ${getGrade()}`,
customStyles: {
fontSize: '2.5rem',
fontWeight: '800',
textAlign: 'center',
color: getHealthColor(),
padding: '20px',
background: '#f9fafb',
borderRadius: '12px',
border: `3px solid ${getHealthColor()}`
}
});
});
page6.addRow(row => {
row.addTextPanel('healthLevel', {
computedValue: () => getHealthLabel(),
customStyles: {
fontSize: '1.2rem',
fontWeight: '600',
color: getHealthColor(),
textAlign: 'center',
marginTop: '0.5rem'
}
});
});
page6.addRow(row => {
row.addTextPanel('scoreBreakdown', {
computedValue: () => {
const total = getTotalScore();
const pct = getScorePercentage();
return `Total Score: ${total}/${getMaxScore()} (${pct}%)`;
},
customStyles: {
fontSize: '1.1rem',
fontWeight: '600',
textAlign: 'center',
color: '#374151',
marginTop: '10px'
}
});
});
page6.addRow(row => {
row.addTextPanel('recommendation', {
computedValue: () => {
const level = getHealthLevel();
const recommendations = {
critical: '🔴 Focus first on building a small emergency fund ($1,000) and stopping credit card debt growth. Small steps lead to big changes!',
'needs-work': '🟡 You\'re building momentum! Prioritize paying off high-interest debt and growing your emergency fund to 3 months.',
good: '🟢 Great foundation! Focus on maximizing retirement contributions and diversifying investments.',
excellent: '⭐ You\'re crushing it! Consider tax optimization, backdoor Roth strategies, and estate planning.'
};
return recommendations[level];
},
customStyles: {
fontSize: '0.95rem',
color: '#4b5563',
textAlign: 'center',
padding: '15px',
background: '#f3f4f6',
borderRadius: '8px',
marginTop: '15px',
lineHeight: '1.5'
}
});
});
// Collapsible breakdown
const detailsSection = page6.addSubform('detailsBreakdown', {
title: '📊 Category Breakdown (click to expand)',
isCollapsible: true,
customStyles: {
marginTop: '1rem',
background: '#f9fafb',
borderRadius: '8px'
}
});
detailsSection.addRow(row => {
row.addTextPanel('emergencyDetail', {
label: '🛡️ Emergency Fund',
computedValue: () => `${scores()['emergency'] || 0}/20`,
customStyles: {
fontSize: '0.9rem',
padding: '8px 12px',
background: '#dbeafe',
borderRadius: '6px'
}
}, '1fr');
row.addTextPanel('debtDetail', {
label: '💳 Debt Management',
computedValue: () => {
const s = scores();
return `${(s['creditCard'] || 0) + (s['debtRatio'] || 0)}/20`;
},
customStyles: {
fontSize: '0.9rem',
padding: '8px 12px',
background: '#dbeafe',
borderRadius: '6px'
}
}, '1fr');
});
detailsSection.addRow(row => {
row.addTextPanel('savingDetail', {
label: '📈 Saving & Investing',
computedValue: () => {
const s = scores();
return `${(s['savingsRate'] || 0) + (s['retirement'] || 0)}/25`;
},
customStyles: {
fontSize: '0.9rem',
padding: '8px 12px',
background: '#dbeafe',
borderRadius: '6px'
}
}, '1fr');
row.addTextPanel('budgetDetail', {
label: '📋 Budgeting',
computedValue: () => {
const s = scores();
return `${(s['budget'] || 0) + (s['goals'] || 0)}/15`;
},
customStyles: {
fontSize: '0.9rem',
padding: '8px 12px',
background: '#dbeafe',
borderRadius: '6px'
}
}, '1fr');
});
detailsSection.addRow(row => {
row.addTextPanel('protectionDetail', {
label: '🛡️ Protection',
computedValue: () => {
const s = scores();
return `${(s['insurance'] || 0) + (s['estate'] || 0)}/20`;
},
customStyles: {
fontSize: '0.9rem',
padding: '8px 12px',
background: '#dbeafe',
borderRadius: '6px'
}
}, '1fr');
row.addEmpty('1fr');
});
// ============ PAGE 7: Lead Capture ============
const page7 = pages.addPage('lead-capture', { mobileBreakpoint: 500 });
page7.addRow(row => {
row.addTextPanel('header7', {
label: 'Step 7 of 7: Get Your Report',
computedValue: () => 'Receive your personalized financial action plan',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280',
marginBottom: '1rem'
}
});
});
page7.addSpacer({ height: '24px' });
page7.addRow(row => {
row.addTextPanel('leadCapture', {
label: '📧 Get Your Financial Health Report',
computedValue: () => 'Enter your details for a detailed PDF with personalized recommendations',
customStyles: {
fontSize: '0.9rem',
color: '#6b7280'
}
});
});
page7.addRow(row => {
row.addTextbox('name', {
label: 'Your Name',
isRequired: true,
placeholder: 'John Smith'
}, '1fr');
row.addEmail('email', {
label: 'Email',
isRequired: true,
placeholder: 'john@email.com'
}, '1fr');
});
page7.addRow(row => {
row.addDropdown('age', {
label: 'Age Range',
options: [
{ id: '18-25', name: '18-25 - Just starting out' },
{ id: '26-35', name: '26-35 - Building foundation' },
{ id: '36-45', name: '36-45 - Peak earning years' },
{ id: '46-55', name: '46-55 - Pre-retirement' },
{ id: '56+', name: '56+ - Approaching/in retirement' }
],
placeholder: 'Select age range'
}, '1fr');
row.addDropdown('income', {
label: 'Annual Income Range',
options: [
{ id: 'under50', name: 'Under $50K' },
{ id: '50-100', name: '$50K - $100K' },
{ id: '100-200', name: '$100K - $200K' },
{ id: '200+', name: '$200K+' }
],
placeholder: 'Select income range'
}, '1fr');
});
page7.addRow(row => {
row.addCheckboxList('consent', {
options: [
{ id: 'report', name: '📄 Send me my detailed financial health report', isRequired: true },
{ id: 'tips', name: '💡 Send me weekly money tips' },
{ id: 'advisor', name: '📞 Connect me with a financial advisor' }
],
defaultValue: ['report'],
orientation: 'vertical'
});
});
// ============ PDF REPORT ============
form.configurePdf('financial-report', pdf => {
pdf.configure({
filename: 'financial-health-report.pdf',
pageSize: 'A4',
allowUserDownload: true,
downloadButtonLabel: '📄 Download Your Report',
header: {
title: 'Financial Health Check Report',
subtitle: 'Your Personalized Money Assessment'
},
footer: {
text: 'Generated by FormTs Financial Health Quiz',
showPageNumbers: true
}
});
pdf.addSection('Executive Summary', section => {
section.addRow(row => {
row.addField('Overall Grade', getGrade());
row.addField('Health Score', `${getScorePercentage()}%`);
});
section.addRow(row => {
row.addField('Status', getHealthLabel());
row.addField('Total Points', `${getTotalScore()} / ${getMaxScore()}`);
});
});
pdf.addSection('Category Scores', section => {
const s = scores();
section.addTable(
['Category', 'Score', 'Max', 'Status'],
[
['Emergency Fund', `${s['emergency'] || 0}`, '20', (s['emergency'] || 0) >= 15 ? '✅ Strong' : '⚠️ Improve'],
['Debt Management', `${(s['creditCard'] || 0) + (s['debtRatio'] || 0)}`, '20', (s['creditCard'] || 0) + (s['debtRatio'] || 0) >= 15 ? '✅ Strong' : '⚠️ Improve'],
['Saving & Investing', `${(s['savingsRate'] || 0) + (s['retirement'] || 0)}`, '25', (s['savingsRate'] || 0) + (s['retirement'] || 0) >= 18 ? '✅ Strong' : '⚠️ Improve'],
['Budgeting', `${(s['budget'] || 0) + (s['goals'] || 0)}`, '15', (s['budget'] || 0) + (s['goals'] || 0) >= 10 ? '✅ Strong' : '⚠️ Improve'],
['Protection', `${(s['insurance'] || 0) + (s['estate'] || 0)}`, '20', (s['insurance'] || 0) + (s['estate'] || 0) >= 15 ? '✅ Strong' : '⚠️ Improve']
]
);
});
pdf.addPageBreak();
pdf.addSection('Personalized Action Plan', section => {
const level = getHealthLevel();
const s = scores();
if (level === 'critical' || level === 'needs-work') {
section.addText('Priority 1: Build Emergency Fund');
section.addText('• Start with a goal of $1,000, then build to 1 month of expenses');
section.addText('• Set up automatic transfers, even if just $25/week');
section.addSpacer(10);
if ((s['creditCard'] || 0) < 8) {
section.addText('Priority 2: Tackle Credit Card Debt');
section.addText('• Stop using credit cards for new purchases');
section.addText('• Use debt avalanche (highest interest first) or snowball (smallest balance first)');
}
} else {
section.addText('Optimize Your Finances:');
section.addText('• Max out retirement contributions if possible');
section.addText('• Consider a taxable investment account for additional savings');
section.addText('• Review and rebalance investments annually');
section.addText('• Consider working with a fee-only financial advisor');
}
});
pdf.addSection('Next Steps', section => {
section.addText('1. Review your weakest category and focus on one improvement');
section.addText('2. Set up automatic savings to pay yourself first');
section.addText('3. Review this assessment quarterly to track progress');
section.addText('4. Consider consulting a financial advisor for personalized guidance');
});
});
// ============ SUBMIT BUTTON ============
form.configureSubmitButton({
label: () => `💰 Get My Report (Grade: ${getGrade()})`
});
form.configureSubmitBehavior({
sendToServer: true
});
}
Frequently Asked Questions
What's a good financial health score?
Scores of 80%+ (Grade A) indicate excellent financial health. 60-79% (B-C) means you have a foundation but room for improvement. Below 60% suggests focusing on fundamentals like emergency fund and debt reduction.
How much should I have in an emergency fund?
Financial experts recommend 3-6 months of essential expenses. If you have variable income or work in an unstable industry, aim for 6-12 months. Start with $1,000 if you're just beginning.
What savings rate should I target?
The general recommendation is to save at least 15-20% of your income for retirement. For FIRE (Financial Independence, Retire Early), many aim for 25-50%. Start where you can and increase gradually.
How often should I retake this assessment?
We recommend retaking the quiz quarterly to track progress. Major life changes (new job, marriage, home purchase) are also good times to reassess your financial health.