life. scored.

Not a verdict on your worth — a look at how existing systems would position you, every weight shown. The composite below is the least useful number here; the breakdown is the point.

COMPOSITE
172
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Start from — then change anything
Layers — opt-in, off by default
Income, assets & debt are household totals — you and your partner combined. Income is then sized to your household (partner + children).
net worth $6,000 = assets − debt · this is the figure scored against your age-band median
WHAT'S MOVING YOUR SCORE MOST
LIFTING IT Country of residence +20Debt load (DTI, not raw $) +14Housing stability +12
WEAKEST Net-worth position -7Parental education +2Homeownership +2
Your starting point mostly out of your hands — luck of where and to whom you were born
+46
Country of residence SOURCED
+20
position 8.2 × weight 2.4× = +20
high-income economy, weaker safety net
Generational support SPECULATIVE
+6
position 4.0 × weight 1.6× = +6
some family support
Parental education SOURCED
+2
position 3.0 × weight 0.8× = +2
first-generation territory — every form is unfamiliar the first time
Passport strength SOURCED
+6
position 10.0 × weight 0.6× = +6
strong passport — most borders open on arrival
Neighborhood opportunity SOURCED
+4
position 5.0 × weight 0.8× = +4
average-opportunity area
Age & sex vs. the life table SOURCED
+8
position 8.2 × weight 1.0× = +8
age 27, male — this is literally how a life insurer opens your file
Timing & luck (a recession at graduation, a boom, an illness) live here too — and we can't measure them, so they stay an unscored asterisk rather than a fake number.
Your moves things you've actually influenced — where motivation lives
+126
Nicotine use SOURCED
+10
position 10.0 × weight 1.0× = +10
never used nicotine — the cheapest points on the board
Physical activity SOURCED
+5
position 6.0 × weight 0.8× = +5
90 min/week — guideline is 150; the gap is the cheapest health points available
Alcohol use SOURCED
+4
position 7.0 × weight 0.6× = +4
moderate use — a small penalty current research no longer waves away
Sleep duration SOURCED
+3
position 10.0 × weight 0.3× = +3
7h — inside the guideline band
Health insurance coverage SOURCED
+8
position 10.0 × weight 0.8× = +8
covered — one uncapped downside risk removed
BMI band SOURCED
+6
position 10.0 × weight 0.6× = +6
the band underwriters price cheapest
Net-worth position SOURCED
-7
position -4.2 × weight 1.6× = -7
$6,000 net worth — $33,000 below your age-band median ($39,000)
Debt load (DTI, not raw $) SOURCED
+14
position 10.0 × weight 1.4× = +14
no debt — a quiet advantage that never shows up on a paycheck
Credit score SOURCED
+11
position 7.8 × weight 1.4× = +11
720 — good — close to prime, but not the cheapest credit
Emergency fund SOURCED
+3
position 3.3 × weight 1.0× = +3
1 month(s) covered — the 3-month line is the difference between a setback and a spiral
Income vs. median (household) SOURCED
+5
position 4.5 × weight 1.0× = +5
$46,000 household income vs. the ~$50,982 size-adjusted median
Homeownership SOURCED
+2
position 3.0 × weight 0.6× = +2
renting — the 40× median-wealth gap is the system, not a verdict
Banked status SOURCED
+6
position 10.0 × weight 0.6× = +6
banked — the free rail everyone above assumes
Education ladder SOURCED
+5
position 4.0 × weight 1.2× = +5
high-school diploma — the market floor, not a ceiling
Employment status SOURCED
+8
position 10.0 × weight 0.8× = +8
employed — steady income, the input every other system keys on
Occupation outlook SOURCED
+4
position 6.0 × weight 0.6× = +4
a stable field
Social connection SOURCED
+5
position 5.0 × weight 1.0× = +5
some regular contact
Partnership status SOURCED
+3
position 5.0 × weight 0.6× = +3
single — half credit, and the caveat on this rule matters
Children SOURCED
+3
position 5.0 × weight 0.6× = +3
no children — the modest old-age-support and longevity edge the data links to parenthood is not in play (heavy selection caveats apply)
Volunteering / community SOURCED
+2
position 4.0 × weight 0.4× = +2
no regular volunteering — partial credit, not a demerit
Driving record SOURCED
+6
position 10.0 × weight 0.6× = +6
clean record — the cheapest insurance tier
Housing stability SOURCED
+12
position 10.0 × weight 1.2× = +12
stably housed — the precondition the other rules quietly assume
Criminal record SOURCED
+8
position 10.0 × weight 0.8× = +8
no record — full marks on a gate most people never see
THE COMPARISON THAT ACTUALLY HELPS
Your starting point contributed 46 of these points before you made a single move. The 126 from your moves is the part that was ever up for grabs — measure yourself against that line, not against people running a different starting tier.
WHAT-IF · CONTROLLABLE LEVERS ONLY
→ free ways to actually move these (no affiliate links)
IN PLAIN LANGUAGE

A short narrative of what the numbers above are actually saying. Only rounded subtotals ever leave your device.

Deliberately left out: the traits that change how other people score you — race, identity, otherness. Real, but not something we put a number on. here's why →