Am I Ready to Retire? — Free Retirement Readiness Quiz

💰 Financial Question 1 of 10

How many years of living expenses do you have saved (retirement accounts + savings)?

Less than 10× 10–15× 15–20× 20–25× 25× or more

💰 Financial Question 2 of 10

What is your plan for healthcare coverage before Medicare kicks in (if applicable)?

No plan yet — haven't figured this out I'll pay out-of-pocket or find something COBRA or marketplace plan identified Covered by spouse's plan or retiree benefits Already on Medicare or fully covered

💰 Financial Question 3 of 10

How much consumer or mortgage debt will you carry into retirement?

Significant debt (>$100k) Some debt ($25–100k) Small mortgage or car loan (<$25k) Mortgage only — otherwise debt-free Completely debt-free

💰 Financial Question 4 of 10

How diversified are your income sources in retirement?

Just my savings — no other income Savings + Social Security Savings + Social Security + one pension or rental Three income sources (Social Security + pension + investments) Four or more stable income sources

🌿 Lifestyle Question 5 of 10

How much of your identity and sense of purpose comes from your career?

Almost all of it — I'm defined by my work A lot — I'm not sure who I am without it Somewhat — but I have other interests too My job is just my job — I have a full life outside work Very little — I'm ready to leave it behind

🌿 Lifestyle Question 6 of 10

How strong and active are your social connections outside of work?

Most of my socializing is work-related I have a few friends but don't see them much I have a solid friend group I stay in touch with Strong friendships + community or club involvement Rich social life — tight friendships and active community

🌿 Lifestyle Question 7 of 10

Have you mapped out what a typical week looks like in retirement?

No — I'm just looking forward to doing nothing Vaguely — travel and relaxation Yes — a few activities and hobbies planned Yes — structured mix of purpose, hobbies, and family time Yes — detailed and I've already started the transition

📋 Practical Question 8 of 10

What estate planning documents do you have in place?

Nothing — I've been meaning to do this Just a will, maybe outdated Will + basic beneficiary designations Will + power of attorney + healthcare directive Full estate plan with trust, reviewed in the last 3 years

📋 Practical Question 9 of 10

Have you reviewed and updated your insurance coverage for retirement?

No — haven't looked at this at all Thought about it, haven't acted Reviewed life insurance; haven't touched the rest Reviewed most policies — a few gaps remain Fully reviewed: life, LTC, umbrella, property all updated

📋 Practical Question 10 of 10

What is your housing plan for retirement?

No plan — I'll figure it out later Staying put but haven't thought about it much Plan to stay; home is paid off or nearly so Downsizing or relocating — researching options Housing plan finalized and executed

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