Hammer Financial Score - Caleb Hammer

Welcome to the Hammer Financial Score Quiz. As seen on Financial Audit, you can now get your own score! Finish this quick 5 minute quiz to see your results.

Similar to the score Caleb gives on YouTube, this quiz generates an overall score, as well as individual scores in the categories of spending, debt, retirement, emergency fund reserves and real estate.

Do you have debt? (Not including Mortgage)

Yes

What type of debt do you have?

I have 5% or higher rate or collections (Not including Mortgage)

I have debt that is 4.9% interest or lower and no collections (Not including Mortgage)

What percent of your total monthly spending is going to debt repayments and basic necessities?

90+%

70-89%

50-69%

30-49%

20-29%

Less than 20%

What percentage of your monthly income is going to retirement? (Not including employer match)

20+%

16-19%

11-15%

6-10%

1-5%

What percent of your spending is going to necessities?

81+%

51-80%

Less than 50%

What percentage of your spending is going to retirement/investments?

1-5%

6-10%

11-15%

16-19%

20+%

What percentage of your spending is going to wants?

This percentage is calculated by subtracting the percentage for necessities and percentage from retirement/investments from your total spending
Wants % = 100% - (Necessities % + Retirement/Investment Percentage)

50+%

41-50%

30-40%

Less than 30%

Do you have any debt?

Yes, I have a variety of debts

Yes, but my only debt is a mortgage

Do you have any of the following debts: Collections, Pawn Debt, IRS, Payday loans?

Yes

Since you have no other debt, what % of your income goes to your mortgage(s)?

70+%

50-69%

40-49%

34-39%

25-33%

Less than 25%

Do you have a mortgage?

Yes

What % of your income goes to your mortgage(s)?

70+%

50-69%

40-49%

34-39%

25-33%

Less than 25%

What is your highest interest rate debt?

33+%

25-32%

20-24%

15-19%

10-14%

1-9%

If you add up all of your non-mortgage debt, what percentage of your average yearly pre-tax income is that total debt?

75+%

50-74%

40-49%

30-39%

20-29%

Less than 20%

What types of debt do you have? Select all that apply

Federal Student Loans

Private Student Loans

Credit Cards 0% Interest

Credit Cards 1+% Interest

Buy Now/Pay Later Loan

Car Debt

401k loan or Life Insurance Loan

Personal Loan

Medical Debt

Business Debt

Utility Loan (Solar, Internet, Phone/Tablet)

Debt to friends or family

HELOC

Mortgage/Land

I have additional debt not listed in the options above

What is your age?

18-24

25-34

35-44

45-54

55-64

65+

(18-24) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)

Less than 10% of Annual Salary

10% of Annual Salary

20% of Annual Salary

30% of Annual Salary

40% of Annual Salary

50+% of Annual Salary

(25-34) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)

Less than 20% of Annual Salary

20% of Annual Salary

40% of Annual Salary

60+ of Annual Salary

80% of Annual Salary

100% of Annual Salary

(35-44) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)

Less than 30% of Annual Salary

30% of Annual Salary

40% of Annual Salary

60% of Annual Salary

80% of Annual Salary

100% of Annual Salary

(45-54) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)

Less than 100% of Annual Salary

100% of Annual Salary

200% of Annual Salary

300% of Annual Salary

500% of Annual Salary

700+% of Annual Salary

(55-64) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)

Less than 200% of Annual Salary

200% of Annual Salary

300% of Annual Salary

500% of Annual Salary

700% of Annual Salary

1,000+% of Annual Salary

(65+) What % of your current total annual salary is in your retirement savings? (Not your contribution %, but your total salary)

Less than 300% of Annual Salary

300% of Annual Salary

500% of Annual Salary

1,000% of Annual Salary

1,200% of Annual Salary

1,500+% of Annual Salary

How much money do you have in an emergency fund?

0 months of living expenses

1 month of living expenses

2 months of living expenses

3 months of living expenses

4 months of living expenses

6 months of living expenses

Do you own any real estate?

Yes

How much real estate do you own?

I own my primary residence with NO debt and one or more additional cash flowing properties with NO debt

I own my primary residence with NO debt and one or more additional cash flowing properties WITH debt

I own my primary residence WITH debt and one or more additional cash flowing properties WITH debt

I own my primary residence with NO debt

I own my primary residence WITH debt