Free Assessment · UGro Wealth Legacy

Exercise Your Options™

Every decision you make today either creates more options for tomorrow — or takes them away. Answer 14 questions across 7 life categories to find out where you stand.

By Christyna Giles-Washington · UGro Wealth Legacy
O — Observe the Consequences

Are you seeing the long-term cost of your decisions?

The true cost of a decision is not what you pay today — it's what it prevents you from doing tomorrow.

Question 1 of 14
Before making a major financial decision, do you typically think through the 5–10 year consequences — not just the immediate impact?
Always — long-term thinking is central to how I make decisions
Usually — I try to think ahead but don't always follow through
Sometimes — I focus mostly on what I need right now
Rarely — I tend to make decisions based on immediate needs
Question 2 of 14
Can you name a decision you've made in the last 3 years that has limited your financial or lifestyle options today?
Yes — and I've used that awareness to make better decisions since
Yes — and I'm still dealing with the consequences
Maybe — I sense it but haven't fully examined it
No — I haven't reflected on how past decisions affect my current options
P — Protect Against Risk

Are you protected if something goes wrong?

One unprotected risk can undo years of good decisions. Insurance is not a cost — it's what keeps your options alive.

Question 3 of 14
Do you have adequate life insurance to protect your family if your income disappeared tomorrow?
Yes — reviewed within the last 2 years, coverage matches my current situation
I have some — but haven't reviewed it recently or it may be insufficient
Minimal — only what comes through my employer
No — I don't have life insurance or haven't addressed it
Question 4 of 14
Do you have disability insurance that would replace your income if you couldn't work for 3–6 months or longer?
Yes — I have personal disability coverage separate from any employer plan
Partially — I have some coverage but it wouldn't fully replace my income
Only through work — which I would lose if I couldn't work
No — I have no disability coverage
T — Think Long Term

Are your choices building your future or borrowing from it?

Short-term decisions have long-term costs. This section measures whether your lifestyle choices are creating or limiting your future options.

Question 5 of 14
Does your monthly housing cost (rent or mortgage) consume less than 30% of your take-home income?
Yes — well under 30%, giving me financial flexibility
About 30% — manageable but tight
30–40% — it limits other financial priorities
Over 40% — housing costs significantly limit my other options
Question 6 of 14
Are your current vehicle payments and transportation costs within a range that still allows you to save and invest?
Yes — transportation is a manageable line item in my budget
Mostly — it's a stretch but I'm managing
No — my vehicle costs are higher than they should be
No — my vehicle payments are a significant financial burden
I — Invest in Your Future

Is your money working as hard as you are?

Investing is not about picking stocks. It is about consistently choosing tomorrow over today — and doing it in a way that matches your goals.

Question 7 of 14
Do you consistently save and invest a portion of your income every month — regardless of what else is happening?
Yes — automated, consistent, happens every month without thinking
Usually — when I have something left over after expenses
Sometimes — I save when things are going well but it's inconsistent
No — I don't have a consistent savings or investment habit
Question 8 of 14
Do you have an emergency reserve of 3–6 months of living expenses in a liquid account?
Yes — 6+ months of expenses, fully liquid and untouched
Yes — about 3 months, working toward more
Partially — I have some savings but not enough for a real emergency
No — I live month to month with little or no reserve
O — Own Your Decisions

Are you making decisions — or letting them happen to you?

The most financially dangerous place to be is reactive. This section measures whether you are actively directing your financial life or responding to it.

Question 9 of 14
Do you have a written personal financial plan — with specific goals, timelines, and a strategy to achieve them?
Yes — written, reviewed annually, with specific numbers and timelines
Partially — I have goals but they're not written or fully planned
Not really — I have a general sense of what I want but no real plan
No — I'm figuring it out as I go
Question 10 of 14
When you face a major financial decision, do you consult a trusted advisor — or decide based primarily on what feels right or what others are doing?
I always consult an advisor and make informed, deliberate decisions
Usually — I try to research but don't always have an advisor to consult
Sometimes — I often decide based on what seems right in the moment
Rarely — most of my major decisions have been reactive or influenced by others
N — Never Stop Learning

Are you growing your financial knowledge?

Financial literacy is not a destination — it's a practice. What you don't know costs you more than what you do know saves you.

Question 11 of 14
In the last 12 months, have you actively learned something new about personal finance — a strategy, a product, or a concept — that changed how you manage your money?
Yes — multiple times, and I put the learning into action
Once or twice — I'm learning but not as consistently as I'd like
Not really — I've read things but haven't applied anything new
No — I haven't actively pursued financial education recently
Question 12 of 14
Do you understand the difference between term and whole life insurance — and how each affects your long-term financial options?
Yes — I understand both and have made a deliberate choice based on my goals
Generally — I have a basic understanding but not in depth
Not really — I have coverage but don't fully understand the difference
No — this is an area of significant uncertainty for me
S — Secure Your Legacy

What will you leave behind?

Legacy is not only about money — it's about the decisions you make today that give the people you love more options tomorrow.

Question 13 of 14
Do you have current estate planning documents — will, healthcare directive, power of attorney — that reflect your current wishes?
Yes — all three, reviewed within the last 3 years, updated for current life
Some — I have one or two but not all three, or they need updating
Old documents — I have them but they don't reflect my current situation
No — I don't have any estate planning documents in place
Question 14 of 14
Will the decisions you're making today — housing, insurance, investing, spending — give your family more choices in the future?
Yes — I'm confident my current path is building a strong legacy
Mostly — I'm on the right track but have gaps I know I need to close
Not sure — I'm doing my best but I don't have a clear picture
No — I'm worried that my current decisions are limiting, not expanding, options
Your Financial Freedom Score™
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out of 100

The OPTIONS Formula™ Breakdown

Where Your Decisions Are Limiting Your Options

Your Top Priorities

Ready to exercise your options?

Your Financial Freedom Score shows you where you stand. The Life Options Report™ shows you exactly what to do — a written plan across all seven decision categories with specific next steps.

Get Your Life Options Report™ →
Exercise Your Options™
By Christyna Giles-Washington · UGro Wealth Legacy · A member of the Options Series™