See what your finances are actually carrying.
The Financial Load Audit is a free, private reading of your household finances across eight Financial Loads — from financial knowledge to giving. It doesn’t grade you. It shows where your financial structure is stable, where it’s under stress, and the one place to strengthen first.
Money is a load-bearing part of a household
Financial strain rarely comes from a single bad decision. It comes from weight landing unevenly — one part of your finances carrying more than it was built to hold while another sits idle. A structural inspection doesn’t condemn the structure; it shows where reinforcement is needed so it can keep carrying what matters. That is what the Financial Load Audit does: it asks not who failed, but what the structure failed to carry — then it names the weakest place and gives one concrete next build.
The eight Financial Loads
Each Load is six short statements, scored from life as it actually is. Every Load returns Well Distributed, Under Stress, or Overloaded, with a recommended first build — a single, concrete action to strengthen it.
| Load | Core question | First build |
|---|---|---|
| Knowledge | Do you understand how money behaves, or carry it blind? | A Money Vocabulary List — ten terms in plain language, with why each matters. |
| Protection | Is your income and family shielded from collapse? | A Protection Review Prep — list who depends on you, then review with a qualified professional. |
| Margin | Do you have reserve capacity to absorb shock? | An Emergency Reserve target — one, three, and six months of essentials; pick a starter. |
| Debt | How much borrowed weight are you carrying? | A Debt Inventory & Relief Plan — creditor, balance, rate, priority, target freedom date. |
| Flow | Is every dollar assigned a job, or drifting? | A Monthly Flow Map — assign every expected dollar a job before the month begins. |
| Multiplication | Is your money producing more, or only passing through? | One long-term goal + one monthly habit that moves you toward it. |
| Legacy | Will what you built pass cleanly? | A Legacy Folder — gather what exists, note what to update, schedule professional guidance. |
| Generosity | Is giving built into the system, or only when there's extra? | A Giving Plan — regular, spontaneous, compassion, and long-term giving. |
Sequencing rule. When several Loads need work, strengthen them in foundation order rather than all at once: Knowledge → Protection → Margin → Debt → Flow → Multiplication → Legacy → Generosity. An acute risk flag overrides the score and comes first — if the audit surfaces an urgent exposure, that becomes the priority regardless of the number.
How the reading works
Each Load scores out of 18. 14–18 is Well Distributed — stable and carrying its weight. 8–13 is Under Stress — functioning, but pressure is rising and it needs attention before it becomes overloaded. 0–7 is Overloaded — carrying more than it was designed to, and immediate structure is needed. The audit takes about 12–18 minutes, runs entirely on your device, and nothing is submitted anywhere. You can save or print a full report of every Load, your score and band, all forty-eight statements with your answers, and your recommended first build.
Safeguards, by design
- Not financial advice. The audit is an educational planning aid, not individualized financial, investment, insurance, tax, legal, or estate-planning advice. For those decisions, you’re pointed to a qualified professional.
- Self-assessment, not diagnosis. We describe the tool exactly that way — never as a validated or diagnostic instrument.
- Acute flags come first. If the audit surfaces an acute risk, that Load becomes the first priority and you’re encouraged to seek qualified help.
- Your data stays yours. Answers stay on your device; nothing is submitted, sold, or shared.
Start the reading
- Take the audit. Free, about 12–18 minutes, on your device. Begin the Financial Load Audit →
- Bring it to a group. Community organizations and workplaces can run the Financial Load Audit as a facilitated financial-wellness session. Write to us →
- Support access. Donor support helps keep this tool free and reaches households that need it. Support the fund →