Are You Ready to Discover Your Financial Wellness score?
Discover the six levels of the Financial Wellness Quest and what they mean for your money journey
Feeling Stuck with Money?
Unlock Confidence with Your Financial Wellness Score...
At Financial Wellness Quest, we believe financial wellbeing isn’t just about numbers — it’s about clarity, confidence, and control.
Financial wellness is a journey. And like any good quest, it unfolds in stages — each with its own challenges, breakthroughs, and lessons. Whether you’re just starting out or already making confident money moves, there’s always a clear next step forward.
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Three Pillars of Money Confidence
Through our Financial Wellness Quiz, we assess how you’re doing across these areas and give you a score that maps to one of six levels. But this isn’t a test. It’s a guide — designed to help you designed to help you recognise your strengths, spot opportunities for growth, and take the next step toward greater financial confidence.
Know Well
Financial progress starts with awareness. Knowing what you earn, spend, owe, and own lays the groundwork for change. This pillar helps you understand your current habits, beliefs, and behaviours around money.
Plan Well
With awareness comes the power to plan. This pillar is all about defining your financial goals — short-term and long-term — and creating a flexible, realistic roadmap to get there.
Manage Well
.Even the best plans need consistent action. Managing well means putting systems and habits in place that support your goals, help you adapt to life changes, and protect the progress you make.
The Six Levels of The Financial Wellness Quest
Click through to your score or explore the journey!
Curious Seeker
“Lighting the Spark”
You’re just beginning to explore the world of money. It might feel overwhelming, but the fact that you’re here shows you’re ready to take that first step.
Meet Emma: A junior designer has always found money a bit intimidating. She earns a decent salary but often avoids looking at her bank account. Recently, a conversation with a friend sparked her curiosity about saving and budgeting. Now she’s tuning into podcasts and imagining a different financial future. Does this resonate with you?
Common Challenges for Curious Seekers
- Feeling it's all too complicated and confusing
- Don't know where to start
- Not feeling very confident
Curious Seeker Superpowers
- Want to find a better way to manage money
- Ready to change habits and find a new path
- Looking for help and advice
Next Steps:
Learn the basics
Start by understanding how money flows in and out of your life — your income, spending, and savings. Tools like MoneyHelper or beginner podcasts can make this feel less intimidating.
Build money confidence
Log in to your bank account and take a gentle look — no judgement. Awareness is the first step to change, and tracking just a few days of spending can open your eyes.
Take the first step
Open a savings account, set a calendar reminder to check your balance, or talk to a friend about money. Small steps build momentum and signal to yourself that you’re ready.
Fresher
“Laying the Foundation”
At this level, you’ve started exploring. You’ve read a few articles, listened to podcasts, and are beginning to understand more about money. Now it’s time to move from curiosity to action
Ali, a nurse started reading a few books on personal finance during lockdown. He now tracks his spending and is trying out a budgeting app. He’s made some progress but still feels unsure about long-term goals like retirement or buying a home. He wants to build more confidence and consistency.
Common Challenges for Freshers
- Knowledge still feels a bit patchy
- No clear roadmap
- Sometimes it can feel like there is no progress
Fresher Superpowers
- Some habits are starting to stick
- Growing awareness of money management
- Confidence is building
Next Steps:
Create a simple, realistic spending plan
Set one short-term and one long-term spending plan
For example, save £200 for a buffer and explore options for retirement saving. Having a mix of goals helps you stay focused and inspired.
Start builing consistency with small routines
Try a weekly 10-minute “money check-in” — review your bank app, track a few expenses, and note any changes. Over time, this habit will help you feel more in control.
Climber
“Building the Climb”
If you’re actively working toward your financial goals — budgeting, saving, investing — you’re a Climber. This is where momentum builds, and consistency is key
Sophie, a marketing manager has set clear goals: she’s saving for her kids’ education and building an emergency fund. She automates her savings and reviews her budget monthly. But with busy family life and career demands, it’s hard to stay consistent and avoid slipping back into old habits.
Common Challenges for Climbers
- Staying consistent can be tough
- Handling setbacks is challenging
- Still gaps in understanding how to make money work for you
Climber Superpowers
- Lots of positive momentum
- Some money habits are just routine now
- Small success are spurring you on
Next Steps:
Strengthen your systems and habits.
Automate savings, direct your income into purpose-driven accounts, and use tools like Monzo Pots or Plum. The goal is to reduce friction and decision fatigue.
Build resilience by preparing for setbacks.
Set up or top up your emergency fund — even £500 can be a game-changer. Think of it as a cushion that protects the progress you’ve made.
Reinforce habits that support your goals.
Use a financial tracker, journal your money wins, or reward yourself when you hit a milestone. Celebrate progress to stay motivated for the long haul.
Where Are You On The Quest?
Take the Financial Wellness Quiz and Get Personalised Next Steps
Navigator
“Charting Your Course”
Navigators have a clear sense of direction. You’ve mapped out your goals and manage your money well. Now it’s about keeping your plan adaptable and optimised.
Mark, runs his own business and manages both personal and business finances. He has a clear financial plan and regularly checks in with an advisor. He’s comfortable managing debt, saving, and investing — but as his life evolves, he knows he needs to keep adjusting his plan
Common Challenges for Navigators
- You've come so far, it's easy to get complacent
- Lifes ups and downs can be challenging
- So much is automatic it can be easy to be too hands off
Navigator Superpowers
- Good financial control
- You've gained a solid understanding of how money works
- You're setting goals for the future
Next Steps:
Review and optimise your financial plan regularly.
Check in with your budget, investments, and goals monthly or quarterly. Use tools like a net worth tracker to keep the big picture in view.
Adapt your systems to reflect life’s changes.
Big events (job change, move, new child) are good prompts to reassess. Keep your plan flexible so it always supports your current reality.
Explore ways to grow your money intentionally.
Consider learning more about investing, pensions, or tax planning. Podcasts, financial educators, or a session with an advisor can deepen your intention
Sage
“Mastering the Craft”
At this level, financial wellness is part of who you are. You think long-term and use money intentionally. The next step? Align it even more closely with your values — and help others on their journey too
Priya, a senior executive has built substantial wealth over the years through careful planning and investing. She views money as a tool to create freedom and opportunities for herself and her family. Now she’s thinking about how her financial decisions align with her values — and how she can mentor younger colleagues on financial wellness
Common Challenges for Sages
- Aligning your money with your life purpose
- Learning to spend money with intention
- Staying agile with goals and planning
Sage Superpowers
- Good financial wisdom keeps you on course
- Money confidence gives you freedom
- You're a good sounding board for others
Next Steps:
Align your financial plan with your life purpose.
Ask: “Is my money supporting the life I want to live?” Review your spending and investing through the lens of your values.
Mentor others on their financial journey.
Share what you’ve learned — with colleagues, your children, or your community. Your story could inspire someone else to start their own quest.
Continue refining and simplifying.
Sages benefit from simplifying their systems — fewer accounts, clearer strategies. This frees up energy and keeps your money aligned with your intentions.
Luminary
“Inspiring with Purpose”
Luminaries use money as a tool for impact and legacy. At this level, financial wellness is seamlessly woven into a life of meaning — but the journey continues to evolve.
David and Sarah have reached a point where money works in service of their life goals. They’ve funded their retirement, supported their children, and contribute to causes they care about. They’re focused on giving back — through community work, philanthropy, and sharing their experience with the next generation.
Common Challenges for Luminaries
- Evolving goals can challenge established patterns
- Staying inspired and engaged
- Keeping aware of changing situations
Luminary Superpowers
- Living your values
- Using money to support your life plans
- Inspiring others
Next Steps:
Reflect on the legacy you want to leave.
This could be financial, emotional, or community-based. Consider writing a legacy letter or using tools like The Life You Can Save to explore giving.
Use your wealth to amplify your impact.
You might support causes, fund scholarships, or help a family member. Strategic giving can bring deep satisfaction — explore donor-advised funds or social investing if you’re curious.
Stay engaged and inspired.
Luminaries thrive when they continue learning, evolving, and sharing. You might join a values-based investing group, start a blog, or speak about your journey.
What's Your Journey?
And that completes our tour through the levels of the Financial Wellness Quest. If you haven’t already, take the Financial Wellness Quiz, it’s free and quick, and will show you where you are on the quest and what to focus on next.
I’d love to hear about your journey. Drop me a message and let me know which level you’re at right now.
And if you’re already at Sage or Luminary level — fantastic. I’d love to hear how you’ve approached your financial wellness journey, and what advice you’d share with others on the quest. Drop me a message — or share this episode with someone who’s just getting started. Together, we can help more people on the path to financial wellness
Just getting started? Reach out and let us know how we can help.
Final Thoughts...
This is your quest.
Your next step matters more than how far you’ve come.
Stay curious. Stay intentional. Keep moving forward