Quiz Results – You scored a 9️⃣ – You’re At-Risk

🔴 You’re on shaky ground — retirement may not be sustainable at this rate.

Your quiz score indicates you’re in a financially vulnerable position. You may be falling behind on essential expenses, struggling with debt, or unsure whether your money will last through retirement.

This is your wake-up call – Take action on these 5-steps NOW!

If you don’t take action now, you could be forced to un-retire, downsize drastically, or face long-term financial stress. But the good news? There are smart, immediate steps you can take — right now — to regain control and protect your future.

Below are powerful tools we trust to help you move fast. Don’t wait. The sooner you act, the more options you’ll have.

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1. Lower Your Monthly Payments Before Debt Buries You 💳

Carrying high-interest debt in retirement is one of the biggest threats to your stability. Don’t keep paying hundreds in unnecessary interest.

Use this tool to instantly compare personal loan options, consolidate what you owe, and cut your payments — fast.

👉 Compare personal loan offers now »

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2. Turn Home Equity Into Income Without Selling 🏠

If you’re 62+ and own your home, you could access thousands in cash without taking on new debt or leaving your home.

A reverse mortgage isn’t for everyone — but it could be the solution that keeps you in retirement, comfortably.

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3. Talk to a Fiduciary Advisor (It’s Free) 💼

You don’t have to figure this out alone. Get matched with a licensed fiduciary who can help you build a real recovery plan — without trying to sell you products you don’t need.

It takes 60 seconds to start.

👉 Talk to a retirement advisor through SmartAsset »

 

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4. See Exactly Where You Stand (and What to Fix) 📊

It’s hard to fix what you can’t see. Empower gives you a full financial dashboard to track your savings, income, and spending — and shows how long your money might last.

This is a must-have if you want to take your next steps confidently.

👉 Track your retirement readiness with Empower »

 

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5. Chapter – Medicare Gaps Could Be Costing You More Than You Think

When money’s already tight, overpaying for Medicare or missing critical coverage can make a bad situation worse. Many retirees in this risk range don’t realize how much they’re spending unnecessarily — or how exposed they are if health issues arise.

Chapter takes the confusion out of Medicare and helps you find the right plan for your needs — not just the default one you were placed into. Their licensed advisors will walk you through everything, with no pressure and no cost.

Here’s how they help:

• Identify if you’re missing essential coverage or paying more than you should

• Compare every Medicare plan in your area — not just a few — to find one that fits your budget and your health needs

• Help you enroll or switch plans with confidence, even if you’ve already started Medicare

If you’re already stretching every dollar in retirement, this is one of the easiest ways to reduce costs without sacrificing care.

Compare Medicare plans with Chapter and close any gaps in your coverage »

 

🚨 Don’t Wait Until It’s Too Late

Every month you delay makes it harder to fix. Take just 10 minutes now to use the tools above — your future self will thank you.

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