VERY CONFIDENT – I have a clear strategy and feel secure about my future income.

SOMEWHAT CONFIDENT – I have some plans in place, but I’m unsure if they’ll last.

UNCERTAIN – I’m not sure if I have the right strategy or enough savings.

CONCERED – I don’t have a clear plan and worry about running out of money.

NO PLAN AT ALL – I haven’t thought about it or don’t know where to start.