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
184
Start from — then change anything
WHAT'S MOVING YOUR SCORE MOST
LIFTING IT Country of residence +18Debt load (DTI, not raw $) +14Payment history +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
+44
Country of residence SOURCED
+18
position 7.5 × weight 2.4× = +18
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
+140
Smoking status SOURCED
+10
position 10.0 × weight 1.0× = +10
never smoked — 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
+6
position 10.0 × weight 0.6× = +6
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 — $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
Payment history SOURCED
+12
position 10.0 × weight 1.2× = +12
clean 24 months — the heaviest FICO input, fully banked
Credit utilization SOURCED
+8
position 8.0 × weight 1.0× = +8
12% of available revolving credit in use — bureaus reprice this monthly
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 SOURCED
+4
position 3.8 × weight 1.0× = +4
$46,000/yr vs. the ~$60,000 full-time 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
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
Digital footprint SPECULATIVE
+2
position 6.0 × weight 0.4× = +2
an unremarkable public footprint
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
Voter registration SPECULATIVE
+4
position 10.0 × weight 0.4× = +4
registered — present in the civic ledger
THE COMPARISON THAT ACTUALLY HELPS
Your starting point contributed 44 of these points before you made a single move. The 140 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
IN PLAIN LANGUAGE

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

Deliberately left out: race and other protected characteristics. Once wealth, debt and neighborhood are measured directly, a race term adds no information — it just double-counts the real variables, which is exactly why lending law forbids it. We measure the targets, not the proxy.